231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Why Miscommunication Creates Personal Conflict

If you were to ask me to pick one factor that was responsible for conflict–I’d have to choose miscommunication, hands-down, as the primary factor. Why? Because miscommunication opens up the triangle of other factors that inevitably leads to conflict.

Let us discuss this miscommunication conflict triangle. Picture a triangle with miscommunication taking one side, fear taking another, and assumption taking the third side.

Miscommunication

How does miscommunication happen? It happens when one side doesn’t communicate enough information to us, or we misinterpret the real meaning of their words. In either case, we get a different meaning of their words than they intended. With the advent of e-mail and IM chat, this is a becoming a common problem now-a-days because type-based communication is asynchronous communication, meaning that people do not communicate in real time–its essentially a telegram. Asynchronous communication does not allow for immediate feedback response, so our minds have to interpret what the other person is saying based upon their typed words alone. Although most common in typed-based communication, miscommunication can also occur in any type of communication setting. Another common type of miscommunication is no communication or a lack of communication.

Fear

People always fear the worst outcome. In miscommunication, the mind will fill in the missing information with their own creative insight, which is often fear-based. Think of the husband who is out late and forgets to call his wife. Because there is a lack of communication there, she begins to worry and her mind immediately switches to fear mode. Self-talk occurs and it takes the form of her own fears. Did something happen to him? Is he cheating on me? Our minds will always think of the worst possible outcomes based on our fears and insecurities.

Assumption Believed As Truth

Our minds need logical explanations to events. One of our most basic needs is the need to have answers and the need for reasons and explanations. Absent those needs, our minds switch to a fear-based mode where we have to satisfy our need for answers with that of assumption. Assumption is a derivative of fear because we always assume the worst based on our fears and insecurities. Assumption therefore fulfills our need for a logical explanation for the unexplainable event and we tend to become locked into that assumption, believing it as truth. The wife, who might be insecure about their relationship, might remember the time when she caught her husband flirting with the secretary, and her fears will drive her to make the assumption that her husband must have gone out to meet her.

What To Do?

When we are faced with miscommunication, we must keep our minds open to additional possibilities without adopting a certain truth about the other person until we know exactly from them what they are thinking. How can this be accomplished? Well, your fears and assumptions will automatically kick in. There is no way to fend against that because that is how our minds are wired. Instead of adopting those assumptions …

Minnesota Claims Adjuster Licensing – 3 Steps to Become a Licensed MN Insurance Adjuster

Minnesota residents interested in becoming an insurance claims adjuster will first need to obtain the Minnesota adjuster license. Non-residents interested in working claims in Minnesota may also be required to obtain this license before obtaining an assignment. This is a state that typically yields a high number of residential, commercial, and auto lines claims due to wind, hail, and ice. Cat adjusters are well served by holding this license. Follow these 3 steps to obtain and maintain your claims adjuster license in Minnesota:

Step 1) Observe the Licensing Requirements

Residents of Minnesota must be 18 years of age. No experience, sponsorship, or bonding is required. Residents must take and pass the Minnesota adjuster exam. The most comprehensive Minnesota adjuster license, the Fire, Allied Lines, and Casualty Adjuster, can only be obtained by taking the Fire, Allied Lines and Casualty exam administered by Promissor. State exams can be difficult but exam study packages are available that greatly increase the passing ratio among testers.

Reciprocity: Non-residents who hold a license in their home state can obtain the Minnesota license reciprocally. Non-residents who do not hold or cannot obtain a license in their state of residence must pass the Minnesota adjuster exam given by Promissor. Once again, exam study packages greatly assist in ensuring you pass the test the first time.

Step 2) Obtain the Adjuster License

To become a licensed Minnesota claims adjuster, you will need to complete and submit the Minnesota online adjuster application through Sircon and pay the $50 licensing fee. Certification that the Promissor exam has been passed must be submitted electronically by the License Exam Administrator. In place of passing results from the Minnesota Adjuster examination, applicant must submit via fax, documentation of passing results for an equivalent adjuster examination taken in another state, in order for their application to be processed.

Step 3) Maintain the License

Licensed Minnesota claims adjusters must renew their license every two years. The initial Continuing Education requirement is 15 hours for the first two years. Thereafter, 30 hours are required to maintain compliance for each two year reporting period.

Summary: Residents of Minnesota who plan to adjust in Minnesota must first obtain the Minnesota adjuster license. The Fire, Allied Lines, and Casualty Adjuster license is this state’s most comprehensive license and requires an examination through Promissor. Exam study packages can provide very helpful prep assistance and drastically increase test success percentages. This busy claims state’s license can also offer an attractive license for non-resident independent adjusters. For additional licensing information, refer to the complete online guide to become a licensed Minnesota claims adjuster.…

Steel Detailing – Are You Interested in Starting Your Own Business?

Steel Detailing for me is my life. If you had to ask the question, if I chose it for my life I would say “Deep down YES”. I just fell into it.

It all started when I was 18 looking for work straight out of High School. I was accepted into an apprenticeship as a Structural Designer for a company in Newcastle, NSW, Australia, working on mining designs. Back then the office was decked out with drawing boards, smoking was permitted and an ammonia copier.

The job involved standing behind the ammonia copier copying drawings onto CPR’s, Penmanship, small drafting jobs, the coffee run and the food run for the first 6 months. This was my introduction into detailing steelwork for mining jobs throughout The Hunter Region and it was all coal process and handling.

Little did I know, the owner of company had a habit of starting and closing companies on a regular basis and my job only lasted just over 6 months. This was just enough for me to continue into this career with just a small taste.

Since then I have worked for many prominent design companies and have gained extensive experience. It wasn’t until I was given the opportunity start my own company with the backing of a building company in Thornton, NSW, Australia before I really began to learn fast.

The company went from just me to 6 people in a small 2 year period and was working really hard. I cannot emphasize the Really Hard part enough as the hours were long. The reason for this is that I was working in the business and not on the business and because I was the business owner, it had to run smoothly in order for it to grow.

For those that have not had experience with steel detailing there is a process you must follow.

Firstly, you are asked to provide a quote. If the quote is accepted, you are presented with a set of Structural Engineering drawings and a set of Architectural drawings depending on the project category. There are 3 main categories – Mining, Industrial and commercial. Mining has no architectural requirement.

Secondly, you go through the drawings and work out areas that maybe of concern and require more information and request the information. Usually at this stage because the information is going to change the amount of work you have to do, so you would ask for a variation if the work is allot more than you originally estimated.

Thirdly, the client accepts the variation and you begin the project. As the company owner I usually started the project layout for the rest of the team to detail the steelwork. The layout was completed in AutoCAD and consisted of the plan view with all of the elevations projected surrounding the Plan.

At the end of the day I was the checker also. “Why” did I check the drawings you may ask. It’s plainly obvious, the buck stopped with me. If there was …

ATV Financing 4 Popular Options

With the purchase price of an ATV being much less than the average street motorcycle there are more options for financing your ATV than when purchasing a motorcycle.

The goal of this article is to provide you a view of four popular types of ATV financing. Your success with each method will depend on if you have good or bad credit.

1. Manufacturer ATV Financing

It is likely that if you have spent any time looking at ATV magazines you have seen an advertisement or two highlighting atv financing from top brands like Honda, Kawasaki, Suzuki and Yamaha. Usually these advertisements have a very low minimum payment like $49. While the payment may look attractive you should consider if this is the best ATV loan for you.

In deciding if a manufacturer loan is best, you need to consider the terms. For instance, look at how long the promotional term lasts. If it is 24 months will you have enough to payoff your outstanding loan on the 25th month because making the $49 payment does not pay off the loan? If not your interest rate will increase to the standard rate of 17{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-22{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and your minimum payment will also increase.

If you have the cash to pay off your loan at the end of 24 months than the promotion may be a good thing for you, if not then you should probably opt for a fixed rate installment loan that is offered by most online lenders and has a fixed rate for a long term.

Manufacturer ATV financing is typically more suitable for those with good credit rather than bad credit applicants.

2. Online Atv Financing

With online ATV financing you will get fixed rate ATV financing for a specific term. These loans are normally called personal loans meaning that they can be used for a variety of personal reasons such as buying an ATV, furniture, home improvements and a variety of other things. Terms on ATV personal loans will normally be up to 60 months and for excellent credit rates can be as low as the 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} – 8{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} range. Bad credit applicants can also get approved for online personal ATV loans, but the interest rate may be a bit higher.

3. Credit Card ATV Financing

If you are looking for a short term loan for your ATV purchase, a credit card may be a good option if it has a good promotion. For instance some Visa, Mastercard and discover cards offer 12 months no interest for new accounts. If you can afford to pay off your ATV purchase at the end of 12 months this could be a great option for you to use.

4. Hybrid Atv Financing

The hybrid Atv financing method typically uses a combination of financing options. One popular method is to use a short term manufacturer financing promotion and then when the promotion period ends you transfer your loan to another promotion on a Visa, Mastercard or Discover card.

For instance, you could get …

Facial Tattoo Meanings

Tattoos have always had symbolic meaning both to the the wearer and to the society they live in. As tattooing has exploded in popularity much of the original tattoo symbolism has fallen by the way side.While many tattoo designs have completely lost there original meanings, facial tattooing has remained taboo. This has allowed its symbolism to remain mostly intact.

The tattooed tear drop under the eye dates back to at least the 1960’s and it symbolism varies depending on the placement on the face and if the tear drop is filled in or empty. An empty tear drop most often symbolizes that the wearer has lost a loved one and they are permanently crying, but the empty tear drop can also symbolize a longing for revenge. If this revenge is carried out in the form of murder the tear drop tattoo is then filled in.

Also placed under the eye but with a less cryptic meaning is a dollar sign. The dollar sign symbolizes that money is all the wearer can see. The symbol began popping up around the early 1990’s and is most often seen on southern gang members, though the tattoo has crossed over and several entertainers now wear it.

A little known use for a cross tattoo design is to place it directly between the eyebrows on the bridge of the nose. This symbol,which started in New Orleans, symbolizes the wearer has committed at least five murders. Only worn by seasoned killers this tattoo design has not made the cross over into mainstream tattooing.…

The Quickest Way to Make Money – Earning $5000 Dollars a Day

Humans have a natural, inbred desire to hunt and gather. We are just built that way and 100 million years of evolution created the way we are. In today’s civilized society, money has become the representational value of our hunt and gather lust.

Consumerism itself is just a modern day version of hunting down a Sabertooth tiger and proudly presenting its skin on the cave walls or home so all who come can see how well you hunt. Gathering or collecting, especially money, appeals to our sense of security and power.

The quickest way to make money is to gather it, that would equate to saving it. But the even quicker way to make money is to have it tumble in all by itself, on auto pilot. This is a new phenomenon and is an extension of our wish to gather what we value in abundance.

In the 1500’s banking was invented and the idea of interest and compound interest was created to satisfy one of the humans most basic urges. To gather what we value without having to constantly go out and get it. This is what interest and compound interest is. Even the bible talks about compound interest (I believe) when it states, “to he who has much even more will be given unto him, while he who has little will lose even the little he has”

Earning $5000 dollars a day is a simple matter if you are prepared to do the work. If your mind is stuck in the wage slave mentality, you may find it hard to imagine how this sort of wealth could be achieved. However, if you understand how time leverage works and can develop a system or a concept that can make you even a few dollars a day without you having to go out and gather it every day, but instead it comes to you on it’s own, then in that creative act you have the seed to manufacture a $5000 dollar a day income.…

What is the Difference Between the Strength Coach (CSCS) and the Certified Personal Trainer (CPT)?

A panel of five fitness experts gathered their opinions and thoughts on a specific question for the standAPARTfitness.com Round Table Discussion. The panel was asked the following: “Aside from the prominent letters after a strength coachs’s name, where does the line cross between CSCS and Personal Trainers (CPT)? What are the major differences between the two professional roles?”

In no specific order, their answers are as follows:

Rick Karboviak, CSCS: “In today’s realm, and with respect to CPT’s of all organizations, there are some that try to do sports performance programs with their general fitness knowledge. Some of these trainers know how to step things up to a sport’s higher demands and more specific demands, while others merely copy or mimic what other, more highly educated and experienced strength coaches do. It’s these ones who merely try to copy what the CSCS knows and applies daily, and the trainer tries to do it haphazardly, just to make a sale of packaged sessions in the end. Other trainers do study the sports performance methods, maybe obtain other sport-related certifications in the field (there are Speed/Agility/Quickness Trainer certs, Specialist in Strength & Conditioning certs, among others). They then apply their new knowledge they have, after having obtained it through quality education (study, workshops, internships or mentorships), and observation, before they apply anything to their clients.”

Chris Blake, MA, ATC, CSCS: “As far as where does the line crosses between the CSCS and CPT certifications; there are distinct and equally respectable qualities with each certification. I can’t speak for the CPT group as I am not certified as a personal trainer. But the scope of practice states:

Personal trainers are health/fitness professionals who, using an individualized approach, assess, motivate, educate and train clients regarding their health and fitness needs. They design safe and effective exercise programs provide the guidance to help clients achieve their personal health/fitness goals and respond appropriately in emergency situations. Recognizing their own area of expertise, personal trainers refer clients to other health care professionals when appropriate. In order to challenge the exam you must have CPR certification as well as a high school diploma/GED.”

Certified Strength and Conditioning Specialists (CSCS) are professionals who apply scientific knowledge to train athletes for the primary goal of improving athletic performance. They conduct sport-specific testing sessions, design and implement safe and effective strength training and conditioning programs and provide guidance regarding nutrition and injury prevention. Recognizing that their area of expertise is separate and distinct, CSCS consult with and refer athletes to other professionals when appropriate. A bachelor’s degree (BS/BA) or chiropractic medicine degree granted by an accredited institution and current CPR certifications are prerequisites to challenge the exam.”

Dr. Kwame Brown, PhD., CSCS: “As I understand it, the major difference between the CSCS and the CPT certifications is that the CPT spends more time on addressing those with health issues in a training environment, and is more geared toward personal training at a health club. The CSCS is geared toward those who …

Is Export Trade Finance Important Today?

For businesses concentrating only on the domestic market, they may miss out on different opportunities the international market offers. If you make a foray into the international market, you may increase your profit as well as protect your business from the negative effects of slowed-down growth. Apart from that, this will allow you to diversify your portfolio.

Among the most crucial ingredients for success in the exportation business is export trade finance. Exporters want to get paid for their products as fast as possible. On the other hand, customers from foreign markets would want to delay payment until they’ve received the products or perhaps resold these. To become competitive, your company must be capable of offering payment terms which are very attractive to possible partners.

Important Factors To Consider When Selecting The Best Financing Option

The amount of time in which the product is financed – This is considered the most important factor to consider. Experts highly emphasized that your choice of financing will be greatly influenced by how long you’ll wait before receiving the payment.

The cost of financing options – If there are several financing options to choose from, you have to look into them meticulously, most especially the interest rates. Be reminded that these costs can greatly influence the products’ price along with your potential profit.

Risks – Transactions are not created equal. There are those that are riskier than others. Experts have emphasized that the riskier the transaction is, the more you’ll find it hard to finance. Economic and political stability can actually compound or increase these risks.

Amount of orders – If you are receiving plenty of orders, your working capital might not be sufficient to meet such increased demand.

Getting Expert Help

You can actually get help from commercial banks with an international department when it comes to dealing with the export trade finance needs of your company. Choose banks that are familiar with the export business. These banks will provide your firm with a wide range of international banking services.

After finding this kind of bank, consider scheduling a visit with the international department for you to know and be aware of the different matters like your export plan, banking facilities, services, and the applicable charges. In case your partner importer fails to pay for the transaction, your business will bear the responsibility of paying for the loan. With the use of instruments like letters of credit as well as credit insurance, you and your chosen bank can greatly benefit from the improvement of the export receivables’ quality.…

Introduction to the Restaurant Business

Starting a restaurant will require a lot of effort. Also, the rate of failure can be very high. But success is also very possible.

In any business endeavor, success is relative. For you to ensure that you are on the right path towards success, you need to do things correctly. In starting a restaurant business, here are a few of the correct things that you can do:

Begin with a concept. This is one of the most important stages in your business planning. The type of your restaurant can be the reason it will succeed or fail. You can choose the one that is close to your heart, or to your stomach. The type of food, ambiance, and experience that you enjoy very much from other restaurants can be incorporated in your own.

You need to make sure that your preferences are also the preferences of the general public. Also, avoid going for themes that are the themes of several other restaurants in your area. Chances are, you will have so many competitors and there will not be enough customers to help your business survive.

Look into trends and market studies and decide which restaurant concept you will be willing to gamble with.

Survey the location. When going a location for your business, there are a few vital factors that the place should have. First, it should be accessible to potential customers. A more populated area is your best choice. It should be near residences, schools, or business establishments.

The surroundings should also be clean. Since you are to enter a food business, your customers will always look into the cleanliness of the place. And when your surrounding buildings and structures look presentable enough, it will positively affect the image of your business.

Another aspect will be the safety of the place. You would want to entice people to come to your restaurant. And there is a greater possibility that they will come if the place is safe than when it is potentially perilous.

Check requirements. There are local and national requirements that you might need to comply with. These may include health certificates, license to operate, environmental permits, and many more. To be sure about which papers you need to have when you apply for your business permit, you need to check with the local government of the location of your restaurant.

Do not be disheartened when you are tasked to come up with lots of papers. This can be the standard of most cities and as long as you are doing the right thing, your business will be at the right direction.

Gather funds. Of course, you need to have enough money in order to move on with your plans. You will need money in order to process your permits. You will also need a lot when you need to purchase or rent the building or land area where you are planning to put up your business.

If you do not have enough funds coming from your own …

Judicious Use of Finance Assignment Assistance

Financial Accounting is one of the most popular and sought after courses. At the same time, it is quite difficult to study and master. The subject has a lot of elements that may leave a student perplexed and bewildered when writing statements and solving financial cases. Most of the times, the students are hard pressed for time and grapple with a lot of academic assignments simultaneously.

Online Help and Its Significance

When facing such an issue, the students can make use of online homework assignment help websites. Seeking help and guidance from these websites assist the students in submitting their work on time. They are saved from being penalized when there is a delay in submitting the assigned tasks.

Help Available for a Variety of Subjects

The online academic help websites offer expert assistance and guidance in a variety of subjects. Students pursuing subjects like Finance, Engineering, Accounting and more may need this help from time to time. The students can also enlist this help to write dissertations, thesis, and essays. The professional academic experts can guide the students in solving complicated case studies. Thus, this is a remarkable support system available for the students.

Judicious Use of Finance Homework Help

Having decided to seek finance academic help from a reliable and reputed academic portal, the students must keep below factors in mind-

1. Seek help only on a selected topic in which the students is facing a lot of difficulties. This way, they will not have to shell out more money. This help is beneficial only when a student is unable to complete an academic task due to lack of knowledge or time. Moreover, the students must try to finish the task themselves and only if they are not able to, they must approach a professional academic help website.

2. Look for a reliable and reputed academic help site. There is no dearth of academic portals making tall claims of offering high-quality services. It is always better to seek services from a portal that is known for providing quality assignment work completed well within pre-decided time. They must adhere to the quality and timely delivery commitments.

3. Check if the website allows the students to speak with the experts directly. Direct communication with the experts helps in minimizing the chances of any confusion or misunderstanding. This way, the task is completed as per the expectation of the client.

4. See if the online academic website also offers live tutoring option. The availability of this option is a further benefit to the student. They can reach out to the experts at any time of the day whenever faced with a complicated topic. The experts can tutor the students and help the students in getting an in-depth understanding of the topic.

It is vital that these online websites are chosen only to get an in-depth and a clear understanding of complicated concepts.…