Archive for January 25th, 2008
The importance of understanding organizational culture
As an employee in any type of organization can attest, organizational culture is as prevalent and as varied as individuals themselves. Organizational culture is enduring and complex, and may have both a positive and a negative effect on the staff and the workplace. In many ways culture will determine the survival of an organization over the long term, especially in volatile industries.
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in Reference
The importance of …Credit card attitudes …What factors attract …Libraries Need …How to set …
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Credit card attitudes and behaviors of college students
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College students’ use of credit cards has recently received increased visibility throughout the media (Hayhoe, 2002). Henry, Weber, and Yarbrough (2001), writing in this Journal, concluded that in addition to credit problems many students do not have a written budget, and of those who do have a budget few young people actually use it. They determined that university students “are vulnerable to financial crisis” (p. 246).
The staggering number of credit cards in circulation exemplifies this crisis, as does the number of cards carried by the average student. Currently, there are 1.3 billion credit cards in circulation, which, when averaged, equals about 12 cards per household (Sullivan, Warren, & Westbrook, 2000). The growth of credit cards on college campuses has tended to minor the credit saturation found in the general public (Xiao, Noring, & Anderson, 1995). More than a decade ago Churaman (1988) reported on college students’ use of consumer credit. It was during this period that the banking industry began permeating the student credit card market in the late 1980’s (Manning, 2000). Churaman reported that in 1985-86 over half of all college students had bank credit cards. This figure has been on the rise as some 70% of all undergraduates at four-year colleges have at least one credit card today.
The increased number and type of credit cards on university campuses has seen an explosive level of growth in the past decade, with most credit card companies targeting college students. What remains still unanswered is what effect credit card circulation among college students has had on the financial attitudes, behaviors, and outcomes of young Americans.
The purpose of this paper is to extend the research originally reported by Henry et al. (2001) by reporting findings from a study that was designed to examine college students’ credit card use behavior and identify the factors associated with credit attitudes. This research also identifies the factors related to college students’ attitudes toward credit cards. Attitude toward credit was assumed to be explained with demographic characteristics, socioeconomic characteristics, background factors, and psychological factors.
Methodology
What makes a successful business person? Business people who are tops in their field have a lot in common, and art professionals can learn a lot from their successes and strategies - advice
First of all, you need confidence in yourself and your merchandise with clear goals and knowledge of the products you are selling. Only then can you inspire dedication from your staff and a willingness to buy from customers.
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in Arts
Art since 1900: …Free-standing …What makes a …Take advantage of …Tino Sehgal at the ICA
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Successful business people, no matter what their industry, have been found to share similar traits. Today’s world is no longer satisfied with simply success–we want to know how the successful get to the top. The Russians developed a concept called “anthropomaximology,” in which they try to answer the question of why some individuals outperform others. Through the years I’ve done some anthropomaximology of my own and found there are certain qualities that describe successful business people. Here are a few:
1 They constantly set higher goals Successful business people are mountain climbers who, having climbed one peak, look beyond to the next highest. They are the retailers who send 1,500 mailers to their customers and yield a good turnout of 100. But instead of being satisfied with 100, they ask how they can increase that number to 150 the next time.
For example, Donald Kelley of Kelley Frame and Art Galleries, with locations in Minnesota and Wisconsin, continually tries to improve his e-mail list. “My goal is to collect 150 new e-mail names every month and send out a new e-mail message to this list every two weeks.”
2 They avoid “comfort zones” To a successful person, standing still feels like going backwards. People who stay in their comfort zones do what they did before because it’s “the way we’ve always done it:” They run the same ads, buy the same merchandise in the same way and avoid anything new, different or unusual because they feel they might do something wrong. They blame any lack of business on the weather, the time of the year, the economy–anything except for themselves.
Successful gallery owners attend art shows, read catalogs and visit other galleries in their travels. They are always searching to find unique art exclusive to their galleries. They take control of their own destiny and market their businesses as exciting destinations.
3 They are driven by accomplishments, not money
UPDATE: GM Forms Hybrid, Electric Vehicle Engineering Group - CNNMoney.com
Soothe a dry, itchy scalp: 5 easy expert solutions
The basic facts
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Which pistol caliber for self defense? Four different people come to four defensible conclusions
District Attorney Matt Bingham was wearing Springfield Armory’s neat little EMP, in a Fobus paddle holster he could easily slip off his belt and lock in his desk. EMP stands for Enhanced Micro Pistol, a scientifically size-reduced 1911 from the fertile mind of Springfield’s chief gun designer, Dave Williams. It’s a sweet-shooting little thing, holds 10 rounds of 9mm Parabellum, and conceals remarkably well. That last element is important to someone like Matt, who has to keep his weapon discreetly concealed under a business suit. While most prosecutors around the country are authorized to carry guns, this fact is not widely known and armed prosecutors sometimes “frighten the horses.”
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A gun-wise guy who has studied many shootings coming across his desk, Bingham appreciates a large-caliber handgun, but is also convinced a 9mm pistol with the right ammunition can be perfectly adequate for defensive needs. After all, 35,000 or so NYPD officers carry 9mm autos, and complaints are rarely heard about the caliber there since the department switched to 124-grain Speer Gold Dot +P Hollowpoints.

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