GUARD YOUR LAPTOP AGAINST THIEVES

>> Sunday, August 31, 2008



by JLGerardo

Mobile computing allows you to work on your important files while on the road. With the use of a laptop while travelling, you remain connected to your office and to your peers. This makes the laptop a convenient storage place for important files and other confidential information. But what if your laptop gets stolen? You will lose hundred working hour spent on creating those crucial files, incur bad reputation, receive costly lawsuits, and too often, lose a lifetime of hard-earned savings.

Here's some tips to protect yourself from losing your laptop.
1.) Exercise vigilance at all times. Always set on your on your laptop and never leave it unattended for even one second.

2.) Your laptop fits snugly and looks great on a laptop bag. But sadly, this is the ultimate giveaway sign for thieves. As much as possible do not use a laptop bag. Instead place it into a plain looking, inconspicous bag.

3.) Hold on to your laptop bag strap when putting down your laptop bag on the floor.
If your hands are busy with other things and cannot hold on to the strap, at least stamp the laptop strap with your foot. In this way, you will be alerted when somebody tries to snatch the bag away from you.

4.) Oftentimes, you simply toss the laptop inside your car and leave the vehicle at the parkingn area. Thieves pass by at your car and see the laptop inside. This leads to a crime of opportunity. To prevent this, never leave your laptop inside your vehicle. Always carry it with you, regardless how inconvenient it maybe.

5.) When checking in at a hotel, always use the hotel's safe deposit box.

6.) When attending office meetings, conference, or unusually large gatherings, always bring along a laptop security cable to lock the laptop on a fixed object -- for example, around solid aluminum posts.

WAYS TO PREVENT SLACKENING WORK PERFORMANCE ON RAINY DAYS



by JLGerardo

Let's face it. Weather affects our moods and our work performance. On cold, rainy days, we don't feel like reporting for work. We just want to stay home and sleep. Other symptoms of slackening work performance due to rainy days are :

* your body feels heavy when the alarm goes off in the morning and you don't feel like going to the office
* your office desk has piles of unfinished paper work
* you arrive late in the office
* you cancel appointments for the day
* you feel like cuddling up on one corner of your house and read a book
* you feel sleepy

Rx for Slackening Work Performance On Rainy Days
You can get hold of yourself and combat sluggishness in the office.Jeff Earlywine, author of "How To Be Motivated Without A Motivator", Diane Domeyer, "How to Stay Motivated", and Peter Murphy, author of " 3 Great Ways To Stay Motivated At Work" offer the following strategies to prevent slackening work performance on rainy days.

1.) DECIDE WHAT YOU MUST ACHIEVE TODAY

It is easy to get caught up with non-urgent matters that you can either ignore completely or do at a later date.All that clutter leaves you confused about what to do so you end up procrastinating.

2.) GET MOVING
Exercise delivers mental and emotional as well as physical benefits. A brisk daily walk during your lunch hour will boost your energy level and allow you to organize your thoughts more clearly. A change of scenery can work wonders in enabling you to gain a fresh perspective on existing challenges.

3.) DISCOVER YOUR PASSION
What is your passion? A basic definition of passion is: A powerful or compelling emotion or feeling. To help you discover yours, ask yourself the following question, “What would I do if I could do anything at all, knowing I could not fail and personal abilities, time and money are not an issue?”

4.) DON'T LET THE RAIN AFFECT YOU
Never quit when you experience a setback or frustration. Success could be just around the corner.

5.) MAKE A SUBTLE CHANGE
If the job has become routine, look for ways to break up the monotony. For example, you can rearrange your workload so tasks you once handled in the morning are now completed in the afternoon. Overhaul your filing system, and try out new time-management software or look for more efficient ways to work.

6.) HAVE SOMEONE PRESSURE YOU TO KEEP ON
Pick someone at work to check in on your progress during the day. Make sure this person has a positive outlook and that he or she is fully supportive of your goal to achieve more. Choose someone you want to impress with your abilities and productivity.

7.) LEAVE YOUR COMFORT ZONE
Be willing to leave your comfort zone. The greatest barrier to achieving your potential is your comfort zone. Great things happen when you make friends with your discomfort zone.

8.) EXPAND YOUR SKILL SET
With ongoing education you will nurture your talents, remain intellectually challenged in your job and improve your compensation in the long term.

9.) STRIVE FOR YOUR PERSONAL BEST
Try to excel at whatever you're doing. Being confident in your abilities will increase your motivation as well as raise your employer's and coworkers' confidence in your abilities.

10.) REVIEW YOUR WORK PERFORMANCE
Review your goals, and celebrate accomplishments.

Trash Benefits : Reuse , Recycle, Remove


by JLGerardo

It’s an established fact. Global warming now threatens us and the whole human society. It is changing the global climate by raising up to higher than normal atmospheric temperatures. As a result, polar ice melt and swells sea levels. This mean undue flooding that could immerse islands in water on some parts. While the rising atmospheric temperature will cause widespread drought to once fertile land areas. And scientists realized it’s human doing and negligence, especially burning fossil fuels, that causes global warming. Unless we act quickly, we could be facing the worst man-made catastrophes in the whole history of our existence.
The good news is, we can prevent or prolong the ill effects of global warming through our concerted individual actions. We must always remember these three : Recycle, reuse and remove.

RECYCLE
1.) Empty bottles and Cans. Instead of disposing empty cans and bottles into the garbage, use your creativity to turn them into something useful around the house. For example, empty infant milk tin cans can be made into exciting piggy banks for each member of the family. Kids save their coins in the piggy bank and learn the value of money. At the same time, you save valuable landfill space. Empty bottles could be sold into the junk shops for extra money.
2.) Water. According to research, 97% of the world’s water is salty. The remaining 3% is freshwater and potable. But 2% of the total drinkable water remains in as solid ice. That leaves a measly 1% for us to drink. So conserve water. Don’t throw away rice washings when you cook food. Instead, use the rice washings to water your potted plants or flush the toilet. This will conserve water and ease up your water bill, too.
3.) Aluminum foil and tetra packs. Those juice drink tetra packs for your kids need not go to the garbage. Instead, you can clean them and then sew them into all-purpose bags for every day needs.

4.) Buy and use recycled products.

REUSE
1.) Don’t throw your old clothes, especially jeans. Accessories them with the latest fashion fads so you can wear them again like new.
2.) If you a landline phone, you could collect a tall stack of phone directories. Don’t dispose these into the garbage or burn them. Instead, turn them into creavite works of art. One enterprising mother makes beautiful rugs out of these phone directories.
3.) Don’t throw away your children’s toys just because they are broken. Have them repaired or repair them yourself so they could still be presentable. If your children no longer wants them, donate them to your less fortunate neighbors or to orphan houses.
4.) Reuse refrigerants from your air-conditioners equipments.
5.) As much as possible, don’t buy new products. Think of ways to reuse the old ones so you save money at the same time help the environment.

REMOVE
1.) Replace all regular light bulbs from your rooms into fluorescent lamps. Light bulbs emit more heat and contribute to global warming.
2.) Remove all plugged electrical equipments from the outlet when not in use.
3.) Check and remove defective equipments from your home and have them repaired. Also check for leaking faucets, leaking gas, plumbing lines

Other Ways You Can Help Prevent Global Warming
1.) Plant a tree. It will help cool your house during summer at the same time help your community remain environment-friendly.
2.) Repaint your homes using latex paints instead of oil –based paints.
3.) Walk, use a bike or carpool. Use your car sparingly. In this way you minimize smoke emissions.
4.) If ever you use a car, check the tires and make sure these are inflated properly, and its engine is well-maintained.
5.) Buy energy-efficient appliances.
6.) Avoid buying items with excessive or bulky packaging.
7.) Turn off lights when not in use.
8.) Own or using a computer. Don’t shut it down during coffee breaks and then restart it. Instead, switch it to standby mode. You will be using less energy this way.
9.) Choose local produce in the vegetable section of the grocery instead of buying exotic imported items which require more packaging, and therefore, result in more garbage.
10.) Use biodiesel products instead of pure fuel for your car.

HOW TO MAKE AN ELEGANT DOORMAT FROM OLD PHONE DIRECTORIES

1.) Cut each pages from the directory.
2.) Tightly roll the individual page so it would resemble a rolled cigarette. Secure the end with a glue to prevent it from unfolding. Allow it to dry thoroughly.
3.) When dry, roll again the “ rolled-cigarette appearance’ page into circle a circle so it would look now like a doughnut. Again, secure the end using a glue gun .
4.) Gather all these “ rolled doughnuts” and then arrange them on top of a 1’x1’ thick cardboard. Make your preferred arrangement. Then use glue gun to stick these rolled “doughnut –shaped” phone directory pages into the cardboard box.
5.) Using watercolor or any coloring medium of your choice, color each individual “ doughnut-shaped” circles.
6.) Afterwards, apply varnish to the whole project and let it dry.
7.) You now have a beautifully crafted, colored doormat ready for use.

When Love Turns Sour


by JLGerardo

Workplace romance blooms not only in the corporate offices but also within hospital corridors. The love bug strikes doctors and nurses, too. With their prim, white uniforms, nurses attract doctors and form romantic relationships with them. It’s normal. And usually, the result is a happy satisfying marriage.
“ My husband is a doctor, “ says Pam McDowell, an RN from Delaware. “ We met while I was doing the duty rounds. I often assisted him when he performed surgical operations. Eventually, we got married and I never regretted my decision. And the good thing is, we go to work together at the same hospital. We now have two kids.”
“ I have a doctor as my boyfriend, “ says Belinda, another hospital nurse on a night shift. “ I love him and he loves me. We get on along fine. We plan to settle down as soon as he finishes his internship. I am so excited with our marriage.”
Several nurses echo Belinda’s sentiments. These RNs are either dating doctors , currently engaged with their MD boyfriends, or married to doctors.
However, not all doctor-nurse romantic relationship have happy endings. One particular case even ended up in tragedy. The doctor stabbed his nurse girlfriend and then committed suicide afterwards.
Dr. Marc Daniel, 50, who worked at Windsor’s Hôtel-Dieu Grace Hospital, attacked and stabbled to death his long time beau Lori Dupont, 37, in the surgery recovery room. Three days later, Daniel died to apparent self-administered medicine overdose.
As with any other love affiliations, doctor-nurse romantic relationship pose some risks. To protect yourself,, experts give the following tips:

1.)TAKE YOUR TIME
Don’t rush into a relationship with a doctor suitor. Take your time. There are other matters that may need your immediate attention. Have wholesome fun and enjoy hospital work with your friends.

2.)KNOW HIM WELL
Remember the doctor mentioned above who figured in the stabbing incident? He were already going steady with Lori, his nurse girlfriend, when he was diagnosed with polar disorder. It’s always a good idea to know a person well before committing yourself in any romantic relationship.

3.)GET A PERSONAL LIFE
To prevent you from being emotionally dependent on your doctor boyfriend, find something worth doing in your spare time. Get into an enjoyable hobby. It could be gardening, crochetting, sewing, painting, or ballroom dancing. You should have a life away from your boyfriend.

4.)BE WARY ON TELLTALE SIGNS OF YOUR BF DOCTOR’S VIOLENT BEHAVIOR
Raising his voice against you in angry tone, pushing, slapping, and any other signs of physical and verbal attack against you are telltale symptoms of violent behaviors. Be prepared and deal with it. Break off the relationship, even if it entail transferring to another place to secure your safety.

5.)EXERCISE CAUTION AND DISCRETION
Set some personal limits on how far you will go with your romantic relationships. Many dating nurses set curfew time. They make sure they are home before 10PM on every dates. Others avoid going to wild parties on their dates. Some RNs refuse to engage in sex on their dates. These may appear prudish but it’s better to err in the side of caution than live a life of sorrow and regret.

Places To Find Bargain Gifts For Your Man

>> Saturday, August 30, 2008


by JLGerardo

Your guy has brought you happiness since he came into your life. In times you’re down, he’s there to comfort you. He makes you laugh and forget about your troubles. He’s always ready to protect you from the bad guys, not to mention that he carries your groceries to your home, water your lawns, and empty your trash bin.
Now you want to return the favor. You want to give him a token of your appreciation for all he has done for you. A gift maybe or something of that sort. You’d wish that if you only own Manhattan Avenue, you’d surely buy your man a brand new car, or a condo unit of his own complete with all amenities that can make his life easy and convenient. But since you’re just an ordinary girl down the block, you’d buy him the gifts your meager income can afford. And what better way than to buy bargain gifts for your guy!
Here are some suggested gifts for guys:
a.) video games
b.) Exercise sports items geared to their interests like dumb bells, soft and squeezable anti-stress handballs, etc…
c.) MP3s or video music paraphernalia
d.) Personalized or brand name wristwatch
e.) Writing pens
f.) Lighters
g.) Wallets
h.) After-Shave lotions
i.) Miniaturized electronic gadgets like an electronic shaver, a battery-operated toothbrush, etc...
j.) Key chains
k.) A new pair of walking shorts

As we’ve mentioned earlier, these gifts can make your guy smiling throughout the day. Here are the following places where to buy these gifts at bargain prices.

1.) LOCAL CONSIGNMENT STORES --- Surely, there’s one in your neighborhood. You can buy items at a much reduced price. If you’re lucky, you can even get it on an installment basis.
2.) ONLINE AUCTION STORE LIKE eBay --- Many shoppers register satisfaction buying on online auction stores like eBay. It’s fast, convenient, and stress-free, not to mention items come at cheap costs.
3.) RESALE STORES—Rich people regularly clean their closet with items they do not use anymore. Resale stores are excellent places to buy designer items at fraction of their costs. Check the newspapers for ads.
4.) GARAGE SALES – There are times when a family moves or cleans their garage for junks. So they resort to impromptu garage sales. Garage sales are novel ways to dispose items fast. And since these are already use items the price are way, way down low.
5.) THRIFT SHOPS ---- There’s always some form of thrift shops among malls and chain stores. These thrift shops sell quality items at reduced prices.
6.) SECOND HAND SHOPS -- |These stores sells second-hand items which ranges from used clothing to toys to household appliances. Just be sure to carefully check the item before making the purchase.
7.) FACTORY OUTLETS—In Metro Manila, there’s MACRO, for one. There are still many other factory outlets which sell items at a much reduced price. Check your local Yellow Pages for a listing of these shops. If you have the time, you can call the Department of Trade and Industry office (DTI) and inquire for a list of these factory outlets.
8.) DISCOUNT CATALOGS—These catalogs specialize on quality items at discounted price using mail-order system. Ask your well-heeled friends or inquire around.
9.) DISCOUNT CHAIN STORES – They abound, especially in populated areas. Check your local directory for a complete listing.
10.) TELEVISION SHOPPING --- You simply skip these television channels for your afternoon soap opera shows, right? Then you’re probably missing a fortune, Television shopping channels offer brand new items at great discounts. Check them out once in a while.

Build Positive Teamwork In The Workplace


by JLGerardo

We don’t need tons of surveys in order to observe the declining morale in the workplace. Mean, hot-tempered bosses, at their own selfish whims and pleasure, indiscriminately fire employees. On the other hand, there are some employees who refuse sovereignty and who thinks the supervisor is a fool and quickly rise up to the occasion of challenging management decisions. This situation creates an atmosphere of hostility, distrust, and negativism. Left unchecked, the workplace will deteriorate to passivity, dismal work performance, and even bankruptcy.
The antidote against this perennial office problem is called positive team work. Susan M. Heathfield, author of “Tips for Team Building” and Gil Weinreich, author of “Three-Part Harmony” offer the following effective strategies in fostering positive team work in the workplace.

1.) BE COOL
While this approach applies to everybody, this is particularly useful to managers and supervisors. Remember that a management style that fosters trust, caring and respect in the office is essential to fostering positive team work. Just because you are the boss doesn’t give you the right to blow your top at the slightest infraction of the employees. If you are angry, take a break to cool off before summoning the employee in question. When you're angry about your employee or about anything, you are not in the best state of mind to solve a problem rationally. You are apt to be influenced by your emotional state. It is best to stay calm and say as little as possible. One wise way to do this is simply to ask the employee how she would go about fixing the problem. You can calmly listen and decide if the solution makes sense. This also initiates a virtuous cycle in the offending employee. Instead of feeling shame, an unproductive emotion, she instead feels.
2.) SCHEDULE REGULAR DEPARTMENT MEETINGS
Hold department meetings to review projects and progress, to obtain broad input, and to coordinate shared work processes. If group members are not getting along, examine the work processes they mutually own. The problem is not usually the personalities of the people. It’s the fact that they often haven’t agreed on how they will deliver a product or a service or the steps required to get something done.

3.) EMPLOYEES, RESPECT THE MAN WHO HOLDS THE POSITION
Just as we should rise in the presence of the President out of respect for the office even if we didn't vote for him, so too should we show a greater deference to supervisors. More often than not, one quickly learns on assuming higher career positions that the guy who was calling the shots wasn't a fool but was faced with very difficult decisions. Don’t challenge his decision, or talk against his back. If you have some concerns, schedule a time to discuss the issues one-on-one with him.

4.) FORM TEAMS
Form teams to solve real work issues and to improve real work processes. Provide training in systematic methods so the team expends its energy on the project, not on figuring out how to work together to approach it.

5.) GIVE EMPLOYEE A CHANCE TO EXPLAIN ANY LAPSE OF JUDGMENT
Bearing down on erring employee, cursing or humiliating him are methods employed by pea-sized brain managers. This approach is never productive and will not do any good to the company. But allowing employees to explain themselves shows respect and enables them to maintain their dignity. Equally important, employees allowed to tell their side of the story are more likely to admit their mistakes, accept responsibility and be forthcoming about any problems that may occur in the future.

6.) INCORPORATE FUN
Build fun and shared occasions into the organization’s agenda. Hold pot luck lunches; take the organization to a sporting event. Sponsor dinners at a local restaurant. Go hiking or to an amusement park.

7.) MAKE EMPLOYEES FEEL VALUED
To ingrain a sense of mutual benefit, the key is to show employees that they are valued
The most obvious way to do this is through salary increases or bonuses. But in the absence of financial incentives, routine respect, courtesy, praise and a sense of latitude to get the job done according to the worker's best professional judgment will militate against the propensity of workers to feel taken for granted. If employees feel they are not just helping the company make money but also bettering themselves and helping others, the manager is doing an effective job of inculcating a sense of mutual benefit.

8.) CELEBRATE GROUP SUCCESSES
Celebrate group successes publicly. Buy everyone the same t-shirt or hat. Put team member names in a drawing for company merchandise and gift certificates. You are limited only by your imagination.




IN A NUTSHELL
Here are additional ideas from Susan M. Heathfield, author of “Twelve Tips for Team Building: How to Build Successful Work Teams”, on fostering positive team work at the office.
1.) Clear Expectations---management should lay down in clear-cut terms what they expect from employees.
2.) Context---- employees must understand why they are on a team and how they should go about in accomplishing the company’s goals.
3.) Commitment –each employee must be committed to give his or her very best efforts in the fulfillment of team’s assigned tasks.
4.) Competence -- employees should feel that its team members have the knowledge, skill and capability to address the issues for which the team was formed.
5.) Charter--- employees should take its assigned area of responsibility and designed its own mission, vision and strategies to accomplish the missions of the company.
6.) Control—employees must feel they have some form of control or latitude by making individual decisions in accomplishing its assigned goals, without losing sight of certain boundaries and limits.
7.) Collaboration---employees should understand that they should work collectively and harmoniously together as a team in order to accomplish the company’s objectives.
8.) Communications—employees should have access to honest feedbacks and support
9.) Creative Innovation—employees should be given a chance to show their creativity, practice creative thinking, come up with unique solutions, and new ideas. Management, for its part, should reward people who take reasonable risks to make improvements.
10.) Consequences ---employees should feel responsible and accountable for team achievements.
11.) Coordination --- the employees’ efforts should be coordinated by a central leadership team that assists the groups to obtain what they need for success. Management should make sure that priorities and resource allocation have been planned across departments.
12.) Cultural Change—management and staff should recognize that the team-based, collaborative, empowering, enabling organization of the future is different than the traditional, hierarchical organization of the present setup.

Easy Ways To Cope Up With Stress In The Workplace


by JLGerardo

You have been hoping to transact a decisive and high-stake business deal when, at the last minute, your client backs down from the transaction. You feel as if the world suddenly comes tumbling down. Feelings of anger, bitterness, and resentment rages up on you. Familiar, huh? These awry feelings are called stress. And women corporate executives particulary all experience this at some time or another.
What is stress? In simple terms, stress is a product of physical, mental and emotional feelings as a result of worry, anxiety, pressure or any other forms of stressful situation.

Symptoms of Stress

According to the book, Diagnostic and Statistical Manual of Mental Disorders (DSM-IV), Fourth Edition, copyright 1994, American Psychiatric Association, the symptoms of stress shows itself in three areas.

PHYSICAL SYMPTOMS
heart pounding
headaches
sweaty palms
indigestion
skin breaks out
shortness of breath
holding breath
cold hands
sleeplessness
sleep too much
fatigue
nausea
diarrhea
tight stomach
tight muscles
pain

EMOTIONAL SYMPTOMS
moody
irritability
depressed anxious
lack of sense of humor
abrasive
hostile
nervous
emotional

MENTAL
forgetfullness
loss of concentration
poor judgment
disorganized
fuzzy perception
confused
lack of interest
math errors
stop thinking
diminished fantasy life
negative self-talk

When adapted to the corporate setting, stress manifest itself in the following manner:
a.) You take more risks than is called for in your line of work
b.) A wave of helplessless and dark forebodings engulf you
c.) You feel lonely and depressed, and you have a hard time sleeping at night
d.) Suddenly, you lose weight. In some cases, you start binge eating and puts on weight
e.) You suffer from severe headache and stomach maladies
f.) You easily lose control of your temper at snap back at colleagues over trivial matters
g.) You become visibly irritable
h.) You feel exhausted and tired, and suffer from lack of energy
i.) You adopt a confrontational attitude against your supervisors
j.) You frequently criticize yourself for perceived mistakes, errors or wrongdoing

STEPS TO PREVENT STRESS FROM RUINING YOUR CAREER

1.) Identify stressful situations and how you react to it.
2.) Adopt positive reactions.
3.) Control down the intensity of your emotional reaction to stress.
4.) Look for ways to level up your physical reactions to disturbing situations.
5.) Live active healthy lifestyle.
6.) Develop mutually satisfying relationships.
7.) Work on a hobby.
8.) Concentrate on the bigger picture of events.
9.) Form good habits.
10.) Engross yourself on spiritual matters.

IMPORTANT POINTS TO CONSIDER WHEN HIRING A CREDIT COUNSELOR

>> Thursday, August 28, 2008

by JLGerardo

Heavy in debt? You are not alone. A number of Americans are in the same dire predicament you are experiencing right now. When you can no longer pay your financial obligations, you resort to the last legal option available to financially troubled American businesses.

You file for bankruptcy.

In the past, this process was fairly easy. But with the passing of Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, anyone who intends to file for bankruptcy is first required to seek the services of a credit counselor for counseling sessions. As mandated by law, credit counselors assist financially distressed individuals by drawing out a sound personalized repayment scheme to manage finances.

To reap maximum benefits, here are ten important points to consider when hiring a credit counselor:

1.) DO SOME BACKGROUND CHECKS ON THE REPUTATION OF CREDIT COUNSELING AGENCIES
Credit counselors are employed by counseling agencies. It is therefore important to check the reputation of prospective counseling agencies before hiring their credit counselors. One way to do this is to check the Better Business Bureau. If the company has been operating for some time without any glitch, then go for it. It’s a good choice. On the other hand, if the counseling agency has any pending complaints, then that should alert you to look for a credit counselor somewhere else. Ask your friends and acquaintances for feedbacks on a reputable credit counseling agencies, if possible.

2.) COMPARE COSTS
Let’s face it. Credit counseling services cost you money. Whether you like it or not, a credit counselor charges his services to your credit card. Some unscrupulous credit counselors demand exorbitant fees for their advice. Others maintain competitive pricing. When you are heavily in debt, you don’t want to incur additional burdens by hiring expensive counseling services. Why go for higher-priced service when you can have one at a much lower cost? It is just reasonably fair that you want to get your money’s worth by comparing credit counselors’ fees and determine who charges the least for the same type of counseling service.

3.) INQUIRE COUNSELING AGENCIES IF YOU WILL BE WORKING WITH THE SAME PERSON ALL THROUGHOUT THE PRESCRIBED REPAYMENT PERIOD
You hire a credit counselor not only to comply with the law but also for support during the difficult debt repayment period. You want someone to understand your financial situation, and build rapport with. However, there are credit counseling agencies which give you different individuals each time you call the company. One person answers the phone for you on Monday. Another one receives the call on Tuesday, and still another credit counselor talks to you on Wednesday. Stay away from counseling agencies which gives you the nearest person on the phone at the time of your call. It’s generally unnerving. As much as possible, insist on only one credit counselor and stick with him.

4.) ASK REGARDING THE EXTENT OF THEIR SERVICES
While credit counselors generally offer advice to get you out of financial rut, there are a few who take the extra mile and offer you related financial management services like online education services, for free. Take time to ask around and settle for these types of individuals.

5.) MODE OF MEETING
In general, credit counselors offer services through a one-on-one meeting on their offices. Others offer services through phones. If talking by phone to a remote individual hundred of miles away doesn’t bug you a bit, then go ahead. It really doesn’t matter in the long run. However, there are consumers who prefer to discuss their financial burdens face-to-face with a credit counselor. If you like this mode of meeting, make sure you convey this preference beforehand.

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