Debt consolidation is the name given to a very popular process of debt settlement in the UK. Debtors didn't have lesser choices before the conception of debt consolidation techniques, for settling their debt load. Debt consolidation however allowed them to settle debts under the guidance of experts- that is what the debt settlement agencies refer themselves to. Several years of experience has made them adept at designing debt solutions for the...more
As long as the credit report is free of any discrepancies and presents a perfect credit history, you are a favourite with the loan providers. Loans are approved within no time. Loan providers are ready to provide more than what is desired. The picture changes as soon as the first default is reported. The treatment meted out changes. The first symptom of this is visible through a delay in approval. Subsequently, the amount desired is cut. Terms,...more
Six Sigma is about numbers. Six Sigma produces a flood of data about your process that are critical to your success. If you don't measure it and understand what you are measuring, you can't manage it. Six Sigma's clear strength is a data-driven analysis and decision-making process not someone's opinion or gut feeling. The value of statistical analysis cannot be underestimated. Through an analysis of all of that data, you begin to understand your process and develop methodologies to identify and implement the right solutions to improve your process. Statistical evaluation of the data identifies key areas which can have an adverse effect on product quality if not controlled. Once you have identified these key areas you can focus your process improvement efforts Given the importance of intelligently handling all of this data, you need to find an efficient and powerful method of crunching the numbers. Naturally, you want to avoid the drudgery of manual calculations and save a whole lot of time by using a statistical software application. You may be tempted to use Excel or another spreadsheet application as a calculator and database to store your statistical process control data....more
It is one of the most frustrating feelings in the world. You're trying to rid yourself of your debts. You're putting more and more of your paycheck towards your credit cards. You're gradually paying them off. Finally, the day arrives when you clear the entire outstanding balance. The card is finally cleared. A huge weight has been lifted from your...more
The mortgage industry is a very competitive one, so if you are on the market for a mortgage, or refinancing your existing one, you may want to consider getting a few quotes on line.By obtaining a few quotes on line, you are in no way committing yourself to anything.Due to the competitive nature of the mortgage industry, it really wouldn't hurt to...more
Is formal training important? After all we can all learn fromother employees or from outside consultants we bring in can't we?Well, in my previous life as a consultant IT project director Inoticed people would often be too busy doing their own jobto learn the skills of an outside consultant too.That's despite massive efforts made to train people.But unless skills are used regularly after training they fadeaway.Learning from others in your own organisation can also befraught.Learning by "sitting next to Nellie" as it's known can work. Butit means that any weak custom and practise procedures are copied.These weak procedures may actually be the direct oppositeof the company strategy.Also if you're learning from someone because they're just aboutto leave the company. For whatever reason.You don't get theirtotal focus on teaching you their job.So ways of doing things can become less and less effective astime goes on.That means that service to your customers becomes worse. Simplybecause the people serving them don't know the best way ofworking.Research shows that over 60% of customers leave a businessbecause of poor, ineffective or indifferent service.The Story Of Two Wood CuttersLet's...more
Most people have taken out plenty of loans and other forms of credit, from various sources over the years. These could include student loans, credit cards, store cards, a bank overdraft, car loan, goods bought on a buy now pay later basis. All of...more
One of the valuable tools in the Six Sigma toolbox is Design of Experiments. Design of Experiment (DOE) is a structured technique that helps to uncover relationships often hidden inside mountains of data. Within the structure of a Six Sigma project,...more
If you have good credit, a homeowner, your mortgage is paid on time every month and you are thinking about borrowing money, the home equity route may be the way to go. What this allows is suppose your home is worth substantially more than your...more
The most popular method of financing a home purchase is with a mortgage. This is a loan that is secured over the home.There are a number of different mortgage suppliers and you will have to shop around in order to get the best deal. Given that your...more
Statistics are at the heart of Six Sigma's powerful methodology for quality improvement. It pays to get to know some of the most important of the Six Sigma statistical tools.Control ChartsThe control chart is the fundamental tool of statistical...more
Switching credit cards is an everyday part of life now whether it is taking advantage of the introductory offers or simply deciding that your existing credit card account is old hand and you are looking for a newer better credit card deal than you...more