What Every Manager Should Know About How to Think Creatively ...

You may have heard of Roger von Oech?s book, A Whack on the Side of the Head: How to Unlock Your Mind for Innovation. It?s as much fun to read as its title suggests. It covers the ten common obstacles to creative thinking. It?s about ways in which you can unlock your mind for innovation, for change, for more interest, or even for a career change.

Mr. Von Oech writes about the time when his English teacher in high school put a small chalk dot on the blackboard and asked the class to tell him what it was. A few seconds passed, and then someone said, ?It?s a chalk dot on the board.? The rest of the class seemed relieved that the obvious had been stated, and no one else had anything more to say.

?I?m surprised at you,? replied the teacher, ?Yesterday I did the same exercise with a group of kindergartners, and they thought of fifty different things the chalk mark could be:

* a cat?s eye,

* a cigar butt,

* a star,

* a pebble,

* a squashed bug,

* a rotten egg,

* a head,

* and so on.

The lesson that I wish to share with you is the importance of looking for more than one right answer. When you look, you will be surprised to learn how many answers are available.

We have been trained in school to look only for the first right answer to every problem. The average person does this; the creative person looks for many.

Looking beyond the first solution to a problem can result in a whole new set of serendipitous solutions ? solutions that can be a hundred times better than the first one.

Remember: When you maximize your potential, everyone wins. When you don?t, we all lose.

? Etienne A. Gibbs, MSW

PERMISSION TO REPUBLISH: This article may be republished in ezines, newsletters, and on web sites provided attribution is provided to the author, and it appears with the included copyright, resource box and live web site link. Email notice of intent to publish is appreciated but not required. Contact him at: executiveandgroup-consulting@yahoo.com when you use this article.

Etienne A. Gibbs, MSW, Management Consultant and Trainer, conducts lectures, seminars, webinars, and writes articles on his theme: ?? helping you maximize your potential.? He offers management, marketing, and parenting resources at hisMaximizing Y our Potential blog.

Source: http://www.moonsbeing.com/2012/03/10/What-Every-Manager-Should-Know-About-How-to-Think-Creatively/

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Diving Back To The Bottom Of The Mariana Trench

Robert Siegel talks to retired Navy Captain Don Walsh about the attempt by movie director James Cameron to take a submersible capsule to the bottom of the Mariana Trench ? the deepest spot on Earth. Walsh says the National Geographic and James Cameron expedition will be a combination of science and adventure, because Cameron is a storyteller and dedicated amateur explorer. Walsh made a 1960 dive to the same trench.

Source: http://www.npr.org/2012/03/09/148317355/film-director-to-travel-to-bottom-of-mariana-trench?ft=1&f=1007

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Source: http://asics.lateststyle.org/2012/03/08/karen-millen-trench-coat-finance-taxes-income-arti/

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Mortgage Securing To Get Finance With Bad Credit | Bad Credit Loans

Those who have bad credit, no credit at all or even those who have gone through a bankruptcy process will find that homeownership can assure them approval for the money they need. The security that mortgages provide to the lender reduces the risk involved in lending to those with bad credit.

A mortgage loan consistently reduces the risk involved in a lending transaction for the lender by securing the loan with a property. The property used as collateral guarantees repayment of the loan in case the borrower fails to meet the monthly payments. Bad credit mortgage loans have been designed in the late years to meet the needs and the budgets of those who have a less than perfect credit but still need finance for purchasing a property.

Sub-Prime Lending

Since most of the applicants do not fit the low-risk borrower profile that lenders prefer, most traditional lenders decline loans and bad credit, high risk borrowers have to resort to sub-prime lenders that are prepared to offer mortgage loans to those with a less than perfect credit score. In fact, bad credit, no credit and even past bankruptcies are not an obstacle for this kind of lenders.

There are a lot of different bad credit mortgage loans available to choose from and which is best for you will depend on your particular needs. Among others you can find: risk based pricing mortgages, 125 percent LTV mortgages and home equity loans. In the past no lender would approve a loan for those with bad credit and thus, applicants in such a situation had to go to sub prime lenders that charged exorbitant interest rates.

However, nowadays there are reputable lenders too willing to lend to those with bad credit that used to contact abusive sub-prime lenders. But as opposed to them, they charge only slightly higher interest rates and offer a lot of flexibility in terms of loan length and amount of the monthly installments.

Loan To Value

Loan to value (LTV) is the ratio between the loan amount and the value of the property used as collateral for the loan. When the LTV is higher than 100% it means that the lender is actually lending more money than the value of the property, thus incurring in a higher risk. There are loans with a LTV as high as 125% which offers an additional 25% over the value of the house. The exceeding amount is usually used for home improvements, paying for the legal expenses related to the home purchase, etc.

Homeowners paying high interest rates on credit card balances can sometimes reduce the amount of money they spend on interests by applying for a bad credit mortgage loan. Even those with a mortgage due on their home already can use the equity on their property to obtain a home equity loan with a low rate of interest and use the money to pay and cancel more expensive debt such as credit card balances, pay day loans, etc.

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You will find more useful tips and interesting articles by clicking Here

Source: http://badcredit.valuegov.com/mortgage-securing-to-get-finance-with-bad-credit/

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Mitt Romney piles on Obama at AIPAC, Obama campaign hits back with fact checker (Washington Bureau)

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Valentine's day Not Just for the Young ? Baby Boomers are Looking ...

Valentine?s Day is just around the corner and plenty of people in their fifties and sixties are gearing up to share it with someone special, according to Jo Dinnison, Community Manager of 50and.com ? an online dating and networking site for Baby Boomers. -?Celebrating Valentine?s Day has traditionally been seen as the domain of the young: just look at the advertising images we?re bombarded with this time of year. Anyone would think you have to be under 30 to romance a loved one! Feedback from our members suggests otherwise, with plenty of them joining the site to meet someone special. They want to romance and to be romanced,-? Dinnison says. -?With 50 being the new 40 and so on, people around this age are still active and are not content to spend their late working years and retirement on their own. They still have a lot to give to a partner and are seeking new ways to find someone with whom they can share this time of their life, as we have seen with them joining 50and.com. Many of our members are interested in travelling both home and overseas; they?re financially secure and seeking someone to share life?s adventures with.-?

-?Having said that, Baby Boomers re-entering the dating scene can be plagued by a lack of confidence ? many coming out of a long term relationship may be unsure of the dating -?rules-? and are also subject to different pressures, such as still having children at home as well as caring for their ageing parents,-? according to Dinnison. With that in mind, 50and.com offers potential Baby Boomer daters some tips to help get back out there: 1. Decide exactly what it is you are seeking ? a friend to accompany you on dinner dates or a full time relationship? Being clear about what you desire is more likely to attract the right person for you. 2. Don?t expect too much of yourself. If it?s been a while since you?ve dated it will take some time to feel comfortable. 3. Think about past relationships and what has/hasn?t worked ? what have you learnt? Don?t repeat past mistakes. 4. Online dating is a great way to meet people you otherwise wouldn?t. Contrary to popular misconception, online dating is not a -?free for all-? ? you can be very discerning and learn a lot about the other person before you meet up. 5. When online dating, don?t wait for others to make contact first ? if everyone did this then there would be no contact at all. Go for it!

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Sportswear NSW | Pattaya today newspaper

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Source: http://pattayatoday.net/business-features/sportswear-nsw/

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