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Why is behavioral assessment necessary?
A real case study performed by consulting firm KPMG International on 700 most expensive international mergers and acquisitions between 1996 and 1998 reflected that only 17% of the deals actually added value to the combined company. While 30% of the mergers and acquisitions had no impact on the new entity, the remaining 53% actually destroyed shareholder value. Similar results were found by Harvard Business School, in a survey conducted during 1995-1996. The following charts reveal studies done by CGE&Y and Merrill Lynch, which convey very low success rate of mergers and acquisitions. The studies also showed that larger deals tended to underperform smaller ones in terms of share price after the announcement of mergers and acquisitions.

Among the various causes of the failed M&A is the failure of employees at the merged company to perform to the expected level. The primary reason for this disappointing employee performance in the new company is the cultural mismatch and differences in behavior and values of the employees of both the companies.

An organization benefits from implementing behavioral assessment and values assessments, since these tools allow an in-depth study of the employees. They also help assess the various factors that affect the employees' ability to work towards the new firm's goals.

How does value and behavioral assessment assist a merged entity?

It would appear that there are many unhappy ex-distributors of this established MLM company's products, and there are a lot of them online in blogs and forums bemoaning the fact that their home business did not make money with the company. Possibly if they had joined this long established MLM business 30 years ago, they would be singing a different song, as today 85% of this company's $3.5 billion dollar annual earnings is shared between their top earners, and those top earners were probably wise enough to jump into this opportunity a long time ago.

The vast percentage of their distributors are doing very nicely thank you. They are reaping the rewards, while it would seem that any new recruit into the business has a considerable, if not impossible, amount of work to do to earn any substantial amounts of money. Nevertheless, that can be true with any network marketing business, unless you roll your dice right and get in on a solid new MLM company's pre-launch, or join up right at the beginning.

Signs on poles around towns and cities offer their Opportunities, and I often wonder if the company condones this tactic. The ads are up there with Yard Sale signs and lost dog posters - not very impressive or enticing, despite saying you can make $5500 full time. Sure, perhaps your home business could achieve that amount, but you would have to be an exceptional salesperson and prepare to wait for a few years to build a solid downline.

Looking at the figures, it appears that many people do make money with this company; the other 15% of their multi-billion dollar earnings goes to a network of two million distributors across 70 countries worldwide. You do the math - it averages out to a whole lot of nothing if you take your time, gas and everything else into consideration. The people shouting Herbalife scam were at some time part of that 15% no doubt.

Something that new distributors are told is that they "don't even have to know how to sell". Sorry, that just isn't true. The whole premise of a home business involved with network marketing is that you are looking to make commissions from sales, and that involved selling. If you have no idea how to sell, sorry, you will be fighting an uphill battle.

Recently, I attended a lecture by Anthony Grasst, a very astute MBA who runs a mortgage division of MetLife. It was gratifying to hear words of wisdom that offered another view of our economy besides the doom and gloom one hears on the radio waves or sees on the tube.

Graast explained that the job losses after the dot.com boom/bust and 9/11 was, if not worse than we are having now, at least comparable.

According to E-commerce News, 2001 went into the record books as the most devastating year in terms of Internet jobs lost.

In an article released in 2002, "For the year (2001), 100,925 positions were cut -- about 250 percent higher than the 41,515 cut during all of 2000, when the dot-com shakeout began in earnest."

Figures were much higher than that according to ComputerWorld.com, spanning many sectors and totaling over 2 million job cuts for 2001.

STORY LINK Foreign Exchange Rates : Currency Predictions - GBP, USD, EUR, ZAR

POUND STERLING

Poor UK housing data and moves in favour of other currencies have added up to a poor day for the Pound. Tomorrow could see some improvement with the Chancellor of the Exchequer announcing expansionary policies and a credit easing scheme for the UK economy. NEAR -TERM OUTLOOK - NEUTRAL.

US DOLLAR - The Pound Dollar exchange rate (GBP USD) is 1.5535

The market has turned against the safe-haven Greenback on the day, as panic levels receded in global markets. This saw the GBP USD exchange rate jump by over 0.50% on the day, with the potential for further gains tomorrow if Asian share markets follow the lead set by their European counterparts during today's session, in making significant advances. NEAR-TERM OUTLOOK - NEUTRAL TO NEGATIVE.

Not long ago, I was on a road trip and it was late at night in the middle of nowhere, 200 miles from anywhere, or at least any city whose name you'd recognize, and it was 2 AM in the morning on a Weekend. That song by Katy Perry kept coming on the radio. I guess people kept requesting it, you know the one: "Last Friday Night!"

Anyway for some reason this silly song got stuck in my head, you know how songs do that. If you don't know the song, go to YouTube and watch the video so you understand what I am talking about.

So, I got to thinking about the whole idea of the song; "next Friday night, we are going to do it all again," and then considered Billy Joel's song "We Didn't Start the Fire" and then I thought, maybe I should put some lyrics about Wall Street to the Katy Perry Song, who knows maybe I'll do a viral video of it once I am completed. Below are some lyrics I came up with - see what you think of it?

Last Week's Stock Market

Should Have Bought American Fund
Should Have Known the Market Would Run

It's more difficult than a sitdown with the President, and you may lose extra sleep over it than you will before your first community reside shot. Touchdown that first TV job. It's kind of like touchdown the house shuttle: experts make it look straightforward, but deep down you already know it is not. Getting that first job is far and away probably the most troublesome process you will face in the TV news business. Let's face it: it's not simple, it's not fun, and it isn't imagined to be this troublesome! In any case, in Up Shut & Personal, Michelle Pfeiffer bought her first on-air job in massive-city Miami right? So why should not you a minimum of be capable of get a job in small-city Wyoming? The reply is "Yes!" Listed here are five tools of the commerce for getting your microphone within the door of TV information departments without having to sell your soul to get on air:

Know the market measurement for your talent and experience. For those who're just out of school with a couple of years of college TV expertise, you need not apply to NBC or CNN. You could find a TV newsroom for y-o-u. I meet an amazing many faculty graduates who say, "I'd like to start out in Cleveland or Detroit or perhaps even Pittsburgh." Few if any of them ever research these stations to gauge the years of expertise in the on-air folks and even to see if the stations in these markets are hiring. Extra vital, they don't compare their own on-air work with the day by day information tales they see on the station's websites. For those who're 22 making use of to a newsroom consumed by reporters in their 30's with 10+ years experience, all you are really doing is giving that station a blank tape to use for his or her blooper reels. For those who're attempting to get a job with no college degree, which a fantastic many on-air of us have mastered, it's essential to real looking about your job possibilities. Can you write successfully? Are you comfy in entrance of a digicam? Do you actually suppose you'll be able to earn a dwelling on this business? If yes, then create a demo on your home PC and give it a whirl.

Expand the skills you deliver to the newsroom. For those who'd actually like to be an leisure reporter for E!, that is nice, however as you apply to your first job, you need to be multi-talented. Study to shoot, edit, and write for behind the scenes and you will stand a greater likelihood of getting a j-o-b. A great many young reporter-wanna-bees make the mistake limiting their abilities to their particular space of interest. TV news centers are about using people in multiple rolls. In case you wish to report on information occasions however you can do sports and even climate too in a pinch, you are more beneficial to a small station seeking to offer you that first job. When you're in the door, you may target the job you truly desire. Remember, even Al Roker was once a weatherman. And before long you also may just be close to a hot anchors on TV like Erica Hill

Keep in touch together with your internship contacts. Internships should not only great alternatives to learn the enterprise, but they're additionally your finest early contacts in your career. An awesome many interns say goodbye to the newsroom staffers they met throughout their semester of training and by no means contact base again. Who else can give you higher guidance on getting a real job in the business than those that've finished it? This is not to say that they can get you a job at their station, but a lot of this business relies on relationships and who you know. The professionals you met during your internship know folks in the TV business. You must know who they know! I just lately came upon that one in all our former interns right here at TV3 bought a job at a small station out of state. She left right here greater than a yr in the past and that is her first job. While I used to be glad to see her success, I shook my head that she hadn't saved involved with me to inform me she was searching for a job in that city as a result of I know the assistant news director there and I may have smoothed the waters for her there a lot sooner. You should preserve in common contact with the professionals with whom you developed your best working relationships during your internships. You may wish to use them as references in your resume anyway, so there is no motive to surprise them a full yr after your internship while you instantly reappear asking for advice.

Be keen to relocate. An awesome lots of the college college students I meet at school inform me they're willing to go anywhere, however I can inform that just a few actually mean it. You'll have desires of being a CNN war correspondent or even the top anchor at your native station so that you might be the local-boy-who-grew-up-and-made-us-all-proud however the actuality is you will most likely have to develop your expertise in a small -- make that tiny -- market first before you'll get consideration at a venue that leads to your dream job. Places like Tyler, TX (market 114) or Albany, GA (market 145) and even Dothan, AL (market 179) may not sound intriguing at first, however they could be the very best place so that you can learn your craft without the pressure of a big market information director respiratory down your neck. Ask these in the business about the job where they learned the most they usually'll inform you it was their first job at a small station. For on-air of us, you'll find out for those who can really beat-the-clock and get your tales on the air whereas also producing creative dwell pictures to go together with those stories. While your lead story might not be the sexiest thing you've got ever heard (suppose "new sewer line that county leaders are hoping to put by means of State Route ninety four"), but the expertise will pay huge dividends. You may in all probability should room with one of the other station staffers and perhaps work at Office Depot at night to make ends meet. Nonetheless, whether or not your spend six months or a 12 months-plus in a tiny newsroom, the abilities you hone will make you more engaging for the subsequent job.

There are several reasons why a person would want to obtain a copy of his or her credit or debt report. One reason for a copy of one's credit or debt report is to save a potential lender trouble. If an applicant walks into a mortgage company or car dealership prepared with his or her credit report in hand, the application process will be shorter.

An individual may also want to retrieve his or her credit report for the purpose of managing debt. It is much easier for a person to come up with solutions or negotiate with creditors if he or she has the report. Credit or Debt reports may also come in handy for filing for bankruptcy. The individual will have a list of all his or her lenders available for easy access. Whoever may needs to utilize their credit history can easily obtain a free credit report.

How to get a Free Credit and Debt Report
Not many people know this, but a free copy of a consumer credit report is available to anyone who has been denied credit within the past sixty days. If a debtor is turned down for any type of credit, he or she is automatically eligible for this report. The consumer has a right to look over the report and investigate why the lender has turned him or her down. In order to receive a free credit report, the debtor must apply for such on the website of the credit bureau.

There is a section on the website that says "Denied Credit?" The debtor would simply click on this link with the mouse. Next, he or she will be given options on what to do next. He or she would select "Request my credit report." The consumer will then be asked if he or she has received an adverse decision in the past sixty days. The answer is yes. Next, the consumer will be prompted to fill out personal information and answer questions regarding his or her identity. If the customer answers the questions correctly, he or she will be given instant access to the credit report free.

Therefore to come across one such specialized website it is essential to make your normal search. Getting your start wit ha well recognized search engine is always considered as best choice. Whilst searching Google, try to include a well searched as well as related keyword or expression like debt advice, debt consolidation, debt settlement or even credit counseling. Follwed by performing your search attempt to assess each of your results. In most cases it generally is fairly easy to separate expert ones from internet scams.

Starters can constantly look in more information for consumer debt advice and stay away from going through blogs, mainly the one who is existing as free blogger. Be more specific by searching for a program name or even a company name. There are also a number of specialists who might in fact place a number of hints on debt advice. So if you come upon one these kinds of debt advice then you can always be sure that you are dealing with a name that is a specialized. Whilst talking on debt advice it is always highly recommended to attempt and stick to websites or services that are paid. In case you are still thinking of appointing any professional services on-line then you may also have to give for their services.

Before you can pay for the services it is advisable to seek and pull together all related information that is available for free like tips of advice. In case you are having a little unsecured debts, then it is always advisable to search for the assist of such expert services so you can clear all your debts. Always remember that in case the market turns around, after that it may never be probable for you to clear your debts. There are a number of people who feel that most professional services are always available for free. You have to keep in mind that such debt advice services, if they are expert then they certainly may not be available for free. By the introduction of internet you may also find such services that may offer you with few tips and advices for free, but in instance you feel like to seek their help for eliminating your debts then you shall be charged with little amount of bill. There are also a number of such companies that work in groups and may suggest you with professional help of a number of professionals. Generally people depend on these online services nowadays because you acquire to clear all your debts without stepping out of your residence.

本文出自 Mr.J ....

An initial analysis by the state Legislative Analyst's Office ofthe California High-Speed Rail Authority's draft business plancalls its potential funding sources "speculative," and says it isunclear if aspects of the plan satisfy the legal requirements ofProposition 1A, which voters approved in 2008 to build theproject.

The LAO also raised concerns about the lack of details about theinitial 130-mile-long construction segment that would run throughKings County and said the plan, released Nov. 1, contains aneconomic impact analysis that "potentially portrays the projectmore favorably than it may warrant."

The LAO, a nonpartisan office that provides fiscal and policyinformation and advice to the state Legislature, prepared aninitial report for a hearing of the Assembly Budget Subcommitteehosted Tuesday in Palo Alto by Assemblyman Rich Gordon, D-MenloPark. Farra Bracht, managing principal analyst for the LAO, alsoraised similar issues at Tuesday's hearing.

The eight-page report, entitled "Strategy for Reviewing the Draft2012 High-Speed Rail Authority Business Plan," noted thatProposition 1A requires proceeds from bond sales authorized by themeasure to be spent only on a system that meets certain conditions,including the submission of a detailed funding plan for "an entireusable segment" to the state Legislature.

Another concern is the Authority's comparison of the almost $99billion revised cost of building the system to what it says will bea $170 billion price tag to instead build highways and airportswith same amount of capacity. The report notes "the comparison isproblematic because it is based on a theoretical maximum capacityof high-speed rail ... [which] ignores existing capacity, futuredemands for regional travel throughout the state and the potentialbenefits from using tools to manage congestion."

(2011-11-19) Getting bad credit personal loan has become simpler and easier

In a recent survey done by leading financial institutions of the country availing of bad credit personal loan is getting simpler and easier, More financial institutions are coming forward to help the

Stafford, QLD - November 19, 2011. In a recent survey done by leading financial institutions of the country availing of bad credit personal loan is getting simpler and easier, More financial institutions are coming forward to help the person in need of personal loans with bad credit. According to the survey the prime reason behind such changes can be attributed to the growing awareness and willingness of people affecting from bad credit to get back to a healthy financial position.

There can be many reasons behind any person's need for a bad credit personal loan. But of them it's the need of the person to get back to his old healthy financial and economical situation that makes him/her ask for that particular loan. These low interest personal loans have also been designed and developed in such a way that any person facing bad credit, no credit, or any other kind of difficult financial circumstances such as bankruptcy can easily avail them.

Many people who search for such loans hesitate to approach larger financial institutions. These people directly deal with creditors and lenders who offer them such loans at a very high interest rate. Such lenders and creditors should always be avoided. There are many respected and reputed financial institutions who offer personal loans for people with bad credit. The paper work in such institutions is minimal. So any person in need of personal loans with bad credit can get loan approval in a few minutes.