Archive forApril, 2010

Home Insurance Tips to Help You Make Savings

There are many ways that you are able to save money on home insurance. One of the many home insurance tips for getting the best deals is to allow a specialist broker to search around on your behalf. You can then go through the key facts of each policy they find and compare to get the most suitable insurance policy for your needs.

Another of many great home insurance tips when wanting to save money on insurance is to offer to pay more out in excess on the policy. The excess is the amount the provider would ask you to pay towards an insurance claim before they will payout. For example if you have to make a claim for £250 of damage or loss and you were paying an excess of £100 the insurance company would then payout for the remainder which would be £150.

The more secure your home is the less chance of you being a victim of theft so the cheaper the insurance premiums might be. You could install a good quality alarm on the property; fix deadbolts on the doors and window alarms on the windows. Good high fencing around the property can also help towards keeping down the cost of the insurance. Installing such as fire alarms could also help to keep down the cost of insurance as with alarms fitted there would be less chance of fire destroying your home.

When taking out home insurance the premiums are worked out on how much you choose to insure. Therefore you do not want to take out insurance that is grossly over estimated. To get an accurate idea of how much to insure against you would have to go around your home and jot down the cost of items. Do not forget to look in cupboards, wardrobes and your loft and count all items however small as they all add up.

Home insurance can be taken out as home contents insurance and buildings insurance. While contents insurance protects your belongings in the home, buildings insurance would protect the shell of the home. Mortgage lenders will usually insist that you take out buildings insurance to cover the shell when they provide you with the mortgage. Often if you take out both forms of home insurance together you can make huge savings as opposed to searching around and taking out cover with different providers.

Look into whether your neighbourhood has a neighbourhood watch scheme. If it has then it can be worthwhile becoming a member. If not then you could look into starting such as scheme. If there is a scheme in place this can deter thieves and as you would be seen to be living in a safer neighbourhood this could help to keep the cost of the premiums down.

Finally another of the valuable home insurance tips to consider is to check the policy over with a fine tooth comb. There will be limits and exclusions in all home insurance offered by all providers. It is essential that you know what is and is not covered in your home insurance to avoid any nasty surprises if you should have to make a claim.

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A Present for Your Children

Avoid your children from being snared by their friends at school because of their eyeglasses.

Find the Lowest Price Progressive Glasses at The #1 online Rx glasses store, Zennioptical.com.

Eric’s Review of Zenni Optical also gives you a chance for you to make your happy and proud at their school.

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Clearance Area Rugs

Get some warm atmosphere to your living room and family room with the rug products that can complete the design of your classy and elegant house. You may have got those classy furniture and products of accessories but you may need something more for your floor. For your lovely house, make sure that you have the products with the best quality so that they are long lasting and not causing you further long term expense.

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EBay Business Tips – Becoming An Excellent Time Manager!

I am about to give you some eBay business tips that anyone who starts their own eBay business should be without. Are you ready to get going?

The place to start is by asking yourself a few very important questions. I designed these questions so that you can examine yourself in such a way that you will be enabled to make the very best decisions about managing your time and running your own successful eBay business. After all you will be working on your own and will have no one else to be accountable to. If you are unsuccessful at time management, you will be unsuccessful with your eBay business…it’s that simple. So make sure you don’t cheat, and be sure to be ruthlessly honest with yourself when you answer these questions.

These questions assume that you have a great desire to create a successful eBay business and that you have already decided on what your working hours will be (probably one of the most important eBay business tips you can receive).

Okay let’s get to them:

**Time Management Questions**

What will you do when it’s time to put in some work in at your computer and it is a beautiful day outside? You know the kind of day I mean. The sun is shining, the birds are chirping, it’s not too hot and not too cold…and it’s an absolutely beautiful day to be outside and maybe to do a little gardening or whatever other activity you love to do. Will you be tempted to slip on your gardening clothes and leave you business for another time?

And what will you do when the kids are playing outside and you can hear them laughing. Will you be tempted to get out there and play a little catch with your kids instead of working on your business?

Or how about when your dog starts wining at your office door, wanting you to take a walk, or when your best friend drops by and wants to go out for a cup of coffee…and the list goes on and on.

If you let things such as these distract you from your set hour to work, you will never make in any self-run business.

**Work As Though You Are Working For Someone Else!**

My top eBay business tip on time management is for you to work for yourself as though you were working for someone else.

When working for someone else you don’t take breaks at just any time you feel like it. You have a job to do, so you do it. This must be your attitude while being your own boss.

You must set up your own work schedule and then work it. However, you must be careful to avoid the other extreme, which is to overwork with outrageous long hours and cause your family and health to suffer as a result.

The reason for this eBay business tip is that you will be able to do what it takes to make a great living on eBay without destroying your relationships.

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Brief Summary on Work and Motivation

As well as setting & communicating objectives, developing strategies, & allocating resources, managers have to motivate the staff who report to them. These will often include people with interesting, responsible & fulfilling jobs, as well as others with less interesting & highly repetitive tasks. The work of managers is to ensure that staff work efficiently in an organization. To achieve this, it is clear that managers must know what motivates people. Because a good salary is not the only thing people look for a job. The accompanying fringe benefits are also important. By understanding the factors influencing motivation, they can create the conditions in which employees will perform to their maximum potential.

Numerous definitions are given for the word motivation.

Motivation comes from the Latin word movere, which means “to move”. Two formal definitions of motivation are:

-       all those inner striving conditions described as wishes, desires, drives, etc. It is an inner state that activates or moves.

-       the combination of forces which initially direct and sustain behavior toward a goal.

In the motivation process, needs produce motives that lead to the accomplishment of objectives. A motive is a stimulus leading to an action that satisfies a need; in other words, motives produce action.  In the motivation process, achievement of the objective satisfies the need and reduces the motive. When an objective is reached, balance is restored. However, other needs arise that can be satisfied through the same sequence of events.

The types of rewards that an organization offers its employees play a crucial role in determining their level of motivation.

So it is obvious that, from an employer’s point of view, knowledge about how to motivate employees in their daily work would be invaluable. Indeed the concern of haw to motivate the workers was studied by management efficiently experts long before psychologists began to take an interest in the subject, & possibly the crudeness of this earlier theorizing was one reason why this interest arose.

So there are can be a lot of different theories of motivation. & the main known are:

Traditional theory.

The traditional theory of motivation evolved from the work of Frederick W. Taylor and others in the scientific management movement, which was active at the beginning of this century. Taylor’s ideas were based on his belief that existing reward systems had not been designed to compensate a person for high production.

The traditional motivation theory is based on the assumption that money is the primary motivator. On the basis of this assumption, financial rewards are related directly to performance in the belief that, if the reward is great enough, workers will produce more.

In the need hierarchy theory, it is assumed that workers are motivated to satisfy a number of needs and that money can satisfy, directly or indirectly, only some of these. The need hierarchy theory is based largely on the work of Abraham Maslow.

Hierarchical theory of Maslow.

Maslow thought that several different types of needs exist within individuals and that these relate to each other in the form of a hierarchy. Maslow’s hierarchy consists of the five levels of needs. The physiological needs are shown as being strongest; they tend to dominate all others until they are substantially satisfied. Once the physiological needs have been met, safety needs become dominant.

Physiological needs are basically bodily needs that must be satisfied to sustain life; food, sleep, water, exercise, clothing, and shelter. Safety needs are concerned with protection against imminent or threatened danger, or deprivation. Since all employees, to some degree, depend on the organization, safety needs can be critically important.

The physiological and the safety needs, the so-called lower-order needs, are more easily and therefore more generally satisfied than the others.

The third level of the hierarchy is the social needs. This level and the next two are higher-order needs. Generally placed in the third level are needs for love, affection, belonging. Developing a sense of belonging to a corporate entity and identifying with work groups are means of  satisfying these needs in organizations.

The esteem needs compose the fourth level; they involve the drive to value oneself and to inspire the esteem of others. Maslow contended that all people wont a stable, firmly based, high evaluation of themselves – that is, self-respect and self-esteem.

The next level in Maslow’s need hierarchy, self-actualization or self-fulfillment, is attained through use of the person’s abilities and interests to the fullest in functioning in his or her environment. As Maslow puts it, “What a man can be, he must be”. The need for self-actualization or self-fulfillment is never completely satisfied; one can always reach one step higher.

The most important contention of need hierarchy theory is that a satisfied need is not a motivator.

Motivation-maintenance theory of Herzberg.

Frederick Herzberg has developed a theory of work motivation that has been widely accepted in management circles. His hypothesis is referred to by several names: motivation-maintenance, dual factor, or the motivation-hygiene theory.

The formulation of this theory involved extensive interviews  with approximately 200 engineers and accountants from 11 industries in the Pittsburg area. In conducting the interviews, Herzberg used what is called the critical incident method. He requested employees to recall work situations in which they had experienced periods of high and low motivation.

Through analysis of the interviewees’ statements, it was found that different factors were associated with good and bad feelings. These conditions were classified into two major categories. Factors most frequently mentioned in: achievement, recognition, responsibility, advancement, and the characteristics of the job. But when subjects felt negatively about a work incident, they were more likely to mention factors associated with the work environment. Examples of these included status; relations with supervisors, peers, and subordinates; technical aspects of  supervision; company policy and administration; job  security; working conditions; salary; aspects of personal life that were as hygiene or maintenance factors. The researchers believed that they will not motivate, but can prevent motivation from occurring. Proper attention to hygiene factors is a necessary but not sufficient condition for motivation.

The first set of factors are called motivators. Herzberg maintains that motivation comes from within the individual, not from the manager.

Herzberg’s motivation-maintenance theory is closely related to the need hierarchy theory of motivation; thus, it is subjects to many of the same criticisms.

Theory X & Theory Y.

In The Human Side of Enterprise, Douglas McGregor outlined two opposing theories of work & motivation. What he calls Theory X is the traditional approach to workers & working which assumes that people are lazy & dislike work, & that they have to be both threatened (for example, with losing their job) & rewarded. It assumes that most people are incapable of taking responsibility for themselves. Theory Y, on the contrary, assumes that people have a psychological need to work & want responsibility & achievement.

Theory Y makes much greater demands on both workers & managers than McGregor realized. Bur managers shouldn’t forget that there are always week & vulnerable people, with little self-discipline, who need protection against the burden of responsibility. Even strong & healthy people need the security in order & direction. Managers can’t simply substitute Theory Y for Theory X. They have to replace the security provided by Theory X with a different structure of security & certainty.

Reinforcement theory.

The work of B.F.Skinner forms the primary basis for the reinforcement theory. The general idea behind this theory is  that reinforced behavior will be repeated and behavior that  is not reinforced is less likely to be repeated. If an  employee is given an increase in wages when performance is high, the employee is likely to continue to strive for high  performance.

Equity theory

Equity theory is based on the belief that employees will take whatever actions are necessary to produce feelings of equity with respect to their jobs.

An important point regarding equity theory is that an individual’s  feelings of equity are based on his or her perceptions of inputs versus outcomes.

Because human resource managers often serve as intermediaries between employees and management in conflicts, they are concerned with job satisfaction or general job attitudes of the employees.

Attitude toward work group; general working conditions; attitude toward company; monetary benefits; attitude toward  supervision.

The motivation process centers on needs, which produce motives, that lead to the accomplishment of objectives.

More Articles on this topic see HERE

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