I’ll Never use FedEx again

This is my second bad experience with FedEx ground and I will never use FedEx again. The first time, I sent a $600 La Pavoni Espresso machine to my in-laws. FedEx lost the package and it took way too long to process the claim.

This time, I had to ship my 15″ Apple Laptop. I used the identical packaging that it came in, so I figured it would be safe. The box went through hell and back and thankfully I wrote the AWB number on the side of the package or it would have been lost too. The original label had been ripped off and the box must have been dropped on end repetitively. The foam packing actually separated and was ripped off at the glue seem.

The worse damage was the crease on the end of my laptop. Fortunately it’s still working, but Apple said the minimum cost to fix the case is about $600 and it’s not covered under Applecare. See photos below.

FedEx denied my claim and blamed the problem on the packaging and packing. This was the original, non-retail, packing and packaging that Apple sent the computer in. I think it was adequate. Like I said, I’ll never use FedEx again. But, I guess shame on me for trying to save a little in shipping and using ground service instead of air!

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Building a Database, a Case Study

Follow along as I help Donna Long from Nebraska build a FileMaker Pro database system to run her small organic farm operation. I thought this project would be a great case study on what’s involved in developing software using FileMaker Pro.

I plan to provide guidance and help Donna get started building her database. Together we are going to follow the steps necessary to build a database system. The case study, Getting Down and Dirty – Part 1, is published on my Everything FileMaker site, FMPRO Database under Case Studies. Make sure to subscribe to the site in order to be notified of new posts as the journey progresses.

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Be a Polished Professional

By Tina Arnold, M.A.

Melinda, my former college roommate, came to visit last week. To celebrate, we spent a full day shopping, browsing and, truth be told, enjoying forbidden foods. We had pastries for breakfast, we ordered nachos for lunch, and we capped the afternoon with the ultimate treat: hot fudge sundaes. For eight hours, we blissfully ignored the healthful eating habits we’d worked so hard to develop after we graduated from college.

At the frozen yogurt counter, it was I who took the initiative. Without even looking at the menu, I ordered a hot fudge sundae with vanilla frozen yogurt and lots of nuts. Melinda hesitated ever so slightly, then followed my lead. “Make mine with chocolate yogurt, please,” she said. “And make mine with less nuts.”

Ah, Melinda.  Why is it that so many business people (Melinda is a nurse in a trauma center) struggle with the word pair less/fewer (and, for that matter, the word pair amount/ number)? I didn’t want to spoil Melinda’s hot fudge sundae, nor did I want to be an off-duty grammar vigilante, so I just smiled conspiratorially as the two of us took delight in our decadent desserts.

As a person who instructs groups and individuals on ways to improve their professional communication skills, however, I can’t stress enough the importance of correct grammar. Poor grammar leads to skeptical customers, lost sales, and stalled careers. People notice poor grammar, and they instantly evaluate our professional abilities based on our use or misuse of grammar.

Unfortunately, many people find grammar intimidating. It needn’t be. The key is to focus on the areas of grammar and usage that really matter for professionals (e.g., pronouns, possessives, and puzzling word pairs). To be a polished professional, identify those grammatical pitfalls that typically plague business people, and learn to correct them.

Like the less/fewer and amount/number dilemmas, word pairs can be confusing and can wreak havoc with one’s professional image. When I review and edit writing samples from Fortune 1000 companies, I’m amazed at how frequently business people misuse the word pairs your/you’re, their/they’re, its/it’s, and to/too. These seemingly minor errors jump off the page and instantly diminish the writer’s credibility (and the credibility of the organization the writer represents).

So when do we use fewer and when do we use less? Here’s an easy guideline: When items are countable, use fewer (when they’re not, use less). Had we had the time and desire, we could have counted the nuts on Melinda’s hot fudge sundae; therefore, she should have asked for fewer nuts. Similarly, we would refer to fewer mistakes, fewer customers, and fewer application forms (all of which are countable). But we would refer to less space, less time, and less aggravation (these are not countable).

When do we use number and when do we use amount? Fortunately, the same guideline applies: When items are countable, use number (when they’re not, use amount). Therefore, we would refer to the number of mistakes, the number of customers, and the number of application forms. But we would refer to the amount of space, the amount of time, and the amount of aggravation.

So, to speak and write like a polished professional, remember: When things are countable, use fewer or number; when they’re not countable, use less or amount. To be more successful in business, learn to communicate like a polished professional. And, to make the learning process more fun, treat yourself to some frozen yogurt each time you learn a new grammar guideline!

Tina Arnold is president of Verbal Advance LLC, a training company dedicated to helping business people communicate clearly, confidently, and effectively.

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The Importance of Good Credit

by Kimberly Lebron

When an individual applies for credit, either personally or to guarantee a loan, the lending institution will evaluate that person’s credit history.  This is done by pulling a credit bureau report.  A credit report is a snapshot of your credit history and will determine if a lender will extend credit based on your past performance.  The credit reports also calculates a credit score using factors such as promptness in paying bills, total available credit, amount owed on loans and number of credit inquiries in the past 6 months.  These scores range from 500 to 800.  Anything over 700 is considered a good credit risk.

Lending Institutions or creditors will run a report from one or all three of the national reporting agencies ? Equifax, Experian (formerly TRW) and Trans Union.  You should always review your credit report for errors at least every 2 to 3 years and prior to any major purchase.  You can do this by obtaining your credit report through the national agencies at the following locations:

If you know you have had problems in the past obtaining credit begin rectifying it now by requesting a copy of your report, review it for errors and try to resolve any outstanding items.  Good credit will be one less thing to worry about when you go to purchase a home or car, plan for your child’s college education or apply for the job you always wanted.

Commercial Banking at the Savings Bank of Danbury can be reached at (203) 731-5446.

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Businesses need to get the word out

By Betty vonLiebermann

It has always been important for business owners, large and small, to get the word out about their business. The importance of visibility is crucial for the success of any profit or non-profit organization.

One of my mentors once said to me, “You can provide the most wonderful service and you can do great things, but if nobody knows about it, it’s a moot point.” Those words have stayed with me over the years, and those very words were my introduction to “The Importance of Visibility.”

More and more business owners are realizing the importance to networking. Affiliations with professional organizations are always helpful and open a whole realm of possibilities. Appearances at meetings of professional organizations can open the door for speaking engagements, invitations to exhibit and other avenues, which can turn out to be quite profitable in the long run.

I am a member of the Connecticut Federation of Business and Professional Women, Inc. I became a member in the 1990’s and the opportunities I have had due to my affiliation with this organization have been amazing.

The Women’s Business Development Center in Stamford also has been a great help to me. Once people know who you are, and once you set yourself up as an “expert in the field,” the opportunities are endless.

I have more than 15 years experience in the communications field, and one thing I have learned is that exposure makes a difference.

It is important that the media knows about your business. A press release to a local newspaper can result in a full-page article with a color photo that will not only enhance your credibility as a business owner, but can also help you to get more clients.

A free listing in the community calendar in your local paper also can give you great results. When an article appears about your business, make sure to make copies of it and save the original for future use.

These copies will come in handy for years to come, particularly when exhibiting at a trade show or expo. Be sure to call the newspapers and gain permission from the editor to distribute the copies at the event – this creates a win-win situation – publicity for your business and publicity for the newspaper.

Never underestimate the power of the business card and a handshake. Some may think this is old fashioned, but it still works. Each time you leave your home or office, make sure you have plenty of business cards with you. One of my best networking experiences took place while standing in line at my local grocery store.

Last but not least, ask for referrals and always thank those who refer others to you. You can thank them in writing or you can simply pick up the phone, but always thank the person for the referral. This will help your business grow

Betty vonLiebermann is a member of the Public Relations Society of American and serves as the public relations chairwoman for the Connecticut Federation of Business and Professional Women.

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TOP TEN Proven Ways To Promote Your Small Business

By Betty vonLiebermann

  1. Believe in Yourself & Remember you are Always On Duty
  2. Be prepared with 30 second commercial
  3. Take advantage of Print & Broadcast Media Opportunities
  4. Network: Attend Networking Functions as Often As Possible
  5. Speaking Engagements
  6. Press Release: Who? What? Where? When? Why? & How?
  7. Have Pet Organizations & Chair Events
  8. Write Articles: Set Yourself Up As The Expert In Your Field
  9. Ask For Referrals: Word of Mouth Is The Best Form of Advertising
  10. Develop Your Overall Marketing Plan: WBDC Can Help You

“Believe in yourself, follow your dream and with diligence and dedication your business will grow.”

Betty vonLiebermann
BVL Public Relations
Phone/Fax: 203-869-5465

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Learn to Write Clearly and Concisely for Business

By Tina Arnold, M.A.

Do you remember having to write 3-5-page papers when you were in junior high? When you became a high school student, your teachers probably asked you to write 10-15-page papers. By the time you were in college, your professors required 20-page, 30-page, or even 100-page papers! If you were like most academic writers, you learned to write long, elaborate sentences as you struggled to meet minimum page requirements. The more words you could string together, the better your chances were of receiving a good grade.

Fast forward to the world of business. After we finished school and went to work, the rules of the game changed. Why? In the business world, wordy documents (including e-mails, letters, reports, and proposals) work against us. Business readers prefer clear, concise documents. They simply don’t have time to read the kinds of documents we wrote for our English teachers and college professors. To be effective business writers, we have to unlearn the style of writing we learned in school, and that can be difficult.

Don’t worry?I’m going to share a simple writing tip that will help you write more concisely for business. Here’s my tip: Change wordy noun phrases to simple action verbs. To illustrate this technique, I’ve provided a few examples.

Original: We made a decision to bring about a cancellation of the national recruitment campaign.

Revision: We decided to cancel the national recruitment campaign.

See the difference? In the revised version, I changed the wordy noun phrase “made a decision” to the concise verb “decided.” I also changed the wordy noun phrase “to bring about a cancellation of” to the concise verb “to cancel.” In so doing, I reduced the number of words in the sentence from 14 to 8. I can convey the same message using about half the words. The original version shows the kind of writing that worked well in school. The revision shows the kind of writing that works well in business: clear, concise, and to the point.

Here’s another example:

Original: Her preference was for the lower-priced model.

Revision: She preferred the lower-priced model.

In this example, I changed the wordy noun phrase “preference was for” to the concise verb “preferred.” If your business writing is too wordy, can you see how this writing technique will help you write more concisely? Here’s one more example:

Original: Carol was in agreement with John’s comment.

Revision: Carol agreed with John’s comment.

In this example, I changed the wordy noun phrase “was in agreement” to the concise verb “agreed.”

By changing wordy noun phrases to simple action verbs, you’ll shorten your business documents, which will make them more effective. Today’s business readers are overloaded with work; as a result, they’re more willing to read short, concise documents than long, wordy ones. Begin using this writing technique to produce clear, concise business documents, because e-mails, letters, reports, and proposals are only effective if people take the time to read them.

Of course, if you decide to go back to school, be prepared to use those noun phrases when your professor asks you to turn in a 30-page paper!

Tina Arnold is president of Verbal Advance LLC, a training company dedicated to helping business people communicate clearly, confidently, and effectively.

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Coaching Works!

by Carole Jacoby, M.Ed., M.S.

Give up the struggle!

Imagine a relationship where the total focus is on you, on what you want in your life and work, and on what will help you achieve it.  The coaching relationship is like that.  It’s unique.  Coaching is like having your own personal navigator for the journey you are on; someone who will help you find your way as well as stay on course.

Imagine someone listening, not only to your words, but also to the tone, the nuances of your voice, your emotions and  your energy.  This is your coach; someone who wants to receive all that you want to communicate. He/ she listens without judgement and allow you to show emotion.  He/she will accept you without analyzing you.    In essence a coach will hear the very best in you, even when you can’t hear it in yourself.

Imagine someone who will hold you accountable to keep you moving forward toward your visions, dreams and goals.  Coaching helps individuals focus on specific outcomes and stay motivated and on track.

Imagine a relationship with a person who is sometimes even more committed to what you want in your life and work than you are!  A coach knows your values and life purpose and makes certain you pay attention to that every day.  Your relationship with your coach invites you to break free of self-limiting conversations that you may have had over the years.  In turn, the voices of defeat are simply noticed while the  powerful part of you becomes encouraged.  He/she is the person who holds the flag at the top of the hill, encouraging you to press on. A coach will celebrate your success and help you learn from your setbacks.   Your coach is the one you turn to when you are looking for the courage to take the  next risk in your life; one that you already know you are ready to take.

Imagine a relationship with someone who will absolutely tell you the truth.  A coach will tell you where you are great, as well as where you sell yourself short.  He/ she knows you can handle hearing the truth and will offer it in order to keep you moving towards what’s really important to you.  A well-trained coach  makes maximum use of listening and other communication skills to help you  live a full live and achieve extraordinary results at work.

Coaching is a partnership! The process is easy for clients, in fact a great deal of coaching takes place over the phone.  Regardless of whether you’ve just made a mess of things or have accomplished a great success, your coach is there for you every single week.   Many businesses are hiring coaches because they value the perspective of someone outside their company and appreciate receiving the honest and truthful advice untainted by corporate politics or hidden agendas.

In professional sports, athletes have coaches to keep them motivated,  on track, guide their progress, support their success, and improve upon any identifiable weaknesses.   Today, individuals, executives and managers, as well as business owners are hiring coaches to keep their winning edge. Most winning sports teams say they could not have been the best, without the support, strategic assistance, encouragement, insights, focus, accountability and, yes, the “push” they received from their coach. Individuals and businesses are now saying the same.

Carole Jacoby is a Personal and Business Coach and President of LifeVisions, an achievement- oriented coaching company that empowers people to fulfill their potential.  A composite trainer, motivator, facilitator and partner, Carole creates strong connections and relationships that move you and/or your company forward to achieve solid, sustainable goals. She can be reached at 203-878-4191, carole@lifevisionscoach.com or visit her web site at www.lifevisionscoach.com.

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Changing Direction

by Carole Jacoby, M.Ed., M.S. (originally written in late 2001)

“Only one thing has to change for us to know happiness in our lives: where we focus our attention.” Greg Anderson

As a result of the events of September 11 as well as the current uncertainly of our world situation, many of my clients have been expressing their feelings of anxiety and loss of control. Several individuals have voiced their inability to stay focused on important work projects as well as feeling unmotivated and a general lack of well being.

Even every day events, such as an upsetting phone call or an e-mail that “pushes your buttons” can result in a mood shift and put you in a downward spiral. Although the external life events may be out of your control, your mental attitude and where you choose to put your focus is within your control.  It may not be easy, but there are strategies that can be practiced in order to change your mental direction and head toward a better state of mind.

The following are a few simple ways to shift your mood so you can reverse a downward trend.  When you find yourself feeling out of sorts, unsettled, frustrated or overwhelmed, anxious or just plain old stuck, consider taking one of the following actions:

1.  Get into motion. To change your mood, get up and move your body.  Take a brisk walk, move around your office or home, jump rope or just get out and take a ride in your car.

2.  Clear the air. Imagine yourself actually clearing away any “energy blocks” that are influencing your negative mood. Do something to change this energy.  You might call a good friend, tidy up your office, or just open a window.

3.  Shift your thinking.  If it’s true that our thoughts create our circumstances and actions, then you’ll want to shift your negative thoughts to positive ones as quickly as you can.  There are many ways to do this.  You might remember a favorite childhood song and start singing it out loud.  Or you could pick up an inspirational book, open to any page and start reading.  You can even close your eyes for 3 to 5 minutes and just focus on your breathing. The trick here is to NOTICE your thoughts and know you have a choice to place your attention elsewhere.

4.  Take charge! When something happens that causes you to get upset, simply repeat the following statement out loud: “I will not allow this to control me.”  Then go about your business. Your mind is a powerful instructor.  When you direct it or self-coach it to stop, it pays attention.  Try it and see what happens.

Try monitoring your mood each day this week.  When you are feeling low, frustrated or overwhelmed, choose one of the items above and give it a try.  Try a different one each day.

Remember:  YOU GET TO CHOOSE YOUR ATTITUDE!  YOU ARE IN CHARGE OF KEEPING YOURSELF ON THE RIGHT TRACK. YOU CAN CHANGE YOUR DIRECTION ANY TIME YOU WANT!

Carole Jacoby is a Personal and Business Coach and President of LifeVisions, an achievement- oriented coaching company that empowers people to fulfill their potential.  A composite trainer, motivator, facilitator and partner, Carole creates strong connections and relationships that move you and/or your company forward to achieve solid, sustainable goals. She can be reached at 203-878-4191, carole@lifevisionscoach.com or visit her web site at www.lifevisionscoach.com.

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Business Banking

by Kimberly Lebron

The Commercial Banking Department at the Savings Bank of Danbury is contacted regularly from prospective customers looking for information.  Some frequently asked questions include “What do I need to apply for a commercial loan?”, “How do I go about applying for a commercial loan?”, and “What are your rates for a commercial loan/mortgage?”

If it is your first time applying for a business loan, you should contact a couple of commercial lenders from different banks.  Find someone you are comfortable with.  If you have a relationship with a bank, ask to speak with someone from its commercial loan department.  The lender you choose will inform you as to what they will need to start the application process.  Standard requirements include a Personal Financial Statement on everyone having ownership in the business, 2-3 years of personal tax returns on those same individuals, 2-3 years of business tax returns if an existing business and a business plan for a start-up business.  The lender will also schedule a time to meet with you to gather information and to discuss your needs.  If there is anything you are unsure of, ASK!  It is better to start the business banking relationship being fully informed.

Rates are very important to consumers, but commercial loans are unlike retail products in that they do not have standard rates.

These loans are rated based upon the risk surrounding a loan request and the mitigating factors supporting it.  Once a commercial lender has reviewed all pertinent information, he or she can provide a proposal outlining the terms of the transaction including rate, collateral, payment, etc.

The Commercial Banking department at the Savings Bank of Danbury can be reached at (203) 731-5446.

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