The Difference Between “Need” and “Want”

Written by Craig Nathanson


Continued from page 1
• If you live in a “McMansion,” consider selling it. You could userepparttar proceeds to buy a smaller house in a less expensive neighborhood. That would leave you with no mortgage or a much smaller “nut” to make each month. Whateverrepparttar 107075 size of your home, you can go a step further and use 100% ofrepparttar 107076 proceeds of a home sale as working cash forrepparttar 107077 transition, then rent a house instead. Seekingrepparttar 107078 advice of a tax attorney or a financial planner may be wise, particularly when you are selling your home or using it as security on a loan. But, do not let these advisers sway you from your core decisions. They are there only to give you advice onrepparttar 107079 smartest way to pursuerepparttar 107080 path you have chosen. • Consider part-time or project-based work inrepparttar 107081 field you are moving out of to supplement your income duringrepparttar 107082 transition. Also, look generally to part-time work as a way to slow your burn rate. Ask each eligible member of your family to contribute toward supportingrepparttar 107083 household. • Evaluate your home, car, and health insurance costs. Are you over-insured? Can you raise your deductibles? This often can reduce premiums significantly. Also, health insurance rates for small businesses, even those with one or two employees, are often more favorable than individual policies. • Take a look at what you drive. Is it a “badge” brand imported car? Is it a “suburban assault vehicle?” There are many presentable, economical cars with good long-term reliability that can be purchased used. Sell your status symbol and buy one of these other cars instead. You will save on car payments, gas and insurance. You will be better offrepparttar 107084 minute you stop trying to impress people with what you drive. • Let your children fund a little more of their own college education. Student loans are not a lifelong burden, and in fact many successful people have paid for their education this way. So can your children. They will still love you. • Sweatrepparttar 107085 small stuff. Look at every element of your daily spending and ask whether it is necessary. Do you have features on your phone service that you never use? How many videos do you rent every week? (They are free atrepparttar 107086 local library, byrepparttar 107087 way.) How important are those premium cable channels? How many pizzas did you order last month? How much do you spend every day on designer coffee, soft drinks, and fast food? How much do you spend on dinners at nice restaurants? Take a look at what’s in your grocery cart. How much of it is snack food or impulse buys that are both bad for you and a waste of money? If you still need a reason to quit smoking,repparttar 107088 $5-plus per pack you are spending ought to finally get you to give up that habit. Is your home well insulated, or does money inrepparttar 107089 form of energy fly outrepparttar 107090 window? Do you turn outrepparttar 107091 lights when you leave a room? How much do you waste each year on late fees for credit cards or overdue videos? How necessary is each short trip you take inrepparttar 107092 car? Can you combine trips, or make small, local errands on foot or on your bike, (which saves money and burns calories)? Makerepparttar 107093 effort to evaluate everything you do. You’ll be amazed byrepparttar 107094 amount of money you can save.

Craig Nathanson, The Vocational Coach, is the author of “P Is For Perfect: Your Perfect Vocational Day,” by Book Coach Press. He publishes the free monthly e-zine, “Vocational Passion in Mid-life.” Craig believes the world works a little better when we do the work we love. He helps those in mid-life carry this out. Visit his online community at http://www.thevocationalcoach.com where you can sign up for his next Tele-class coming up January, 26th.


Success at Work : Techniques : Delegation

Written by Stephen Bucaro


Continued from page 1

Sometimes it's necessary to upwards delegate. But even though you delegatedrepparttar task to your boss, you remain responsible forrepparttar 107074 task. In other words, if your boss forgets to signrepparttar 107075 order, that's your fault. It's your responsibility to keep checking with your boss to make surerepparttar 107076 task is completed.

- Sometimes a task is upwards delegated even thoughrepparttar 107077 individual doingrepparttar 107078 delegation is completely capable of doingrepparttar 107079 task themself. This is called "puttingrepparttar 107080 monkey back onrepparttar 107081 bosses back". If you're a manager or supervisor, you need to know how to recognizerepparttar 107082 monkey and toss it back to whom it belongs.

Choosing a Delegatee

You would assume that it would always be advantageous to delegate a task torepparttar 107083 individual most qualified to performrepparttar 107084 task. That is not always possible becauserepparttar 107085 most qualified individual may already be carrying a full load of assignments. There are several reasons why it may be advantageous to delegate a task to an individual who is notrepparttar 107086 most qualified to performrepparttar 107087 task.

- Growth Delegation. If you always delegate a task torepparttar 107088 individual most qualified to performrepparttar 107089 task, you will not be expandingrepparttar 107090 competencies of your department. It's better to delegate a task to an individual that will be required to "stretch" a little to completerepparttar 107091 task. If all tasks are delegated to individuals who are required to "stretch" a little to completerepparttar 107092 task,repparttar 107093 competency ofrepparttar 107094 department will always be increasing.

- Fairness Delegation. Some tasks are boring and tedious, while others are interesting and challenging. If you always delegaterepparttar 107095 boring tasks torepparttar 107096 same individuals andrepparttar 107097 interesting tasks torepparttar 107098 same individuals,repparttar 107099 moral and performance ofrepparttar 107100 individuals always gettingrepparttar 107101 boring tasks will decline. Tasks should be assigned so everyone gets a little good withrepparttar 107102 bad.

How to Delegate

- Make surerepparttar 107103 delegatee hasrepparttar 107104 resources to completerepparttar 107105 task;repparttar 107106 tools,repparttar 107107 time, andrepparttar 107108 authority.

- Make surerepparttar 107109 delegatee knowsrepparttar 107110 task deadline. Make occasional checks to be surerepparttar 107111 task is progressing. It's not uncommon for a delegatee to receive a higher priority assignment and not mention that they have stopped working on your task.

- Describe in detail whatrepparttar 107112 final result ofrepparttar 107113 task should be.

- It's not uncommon for an individual to accept a task withoutrepparttar 107114 faintest clue how to get started. Askrepparttar 107115 delegatee what their first step will be to beginrepparttar 107116 task.

- Leave as many ofrepparttar 107117 details as to how to accomplishrepparttar 107118 task torepparttar 107119 delegatee. Not everyone appliesrepparttar 107120 same skills and methods to accomplishing a task. Letrepparttar 107121 delegatee take ownership and you may be pleasantly surprised withrepparttar 107122 results.

Multitasking

Some people can work onrepparttar 107123 same thing for hours or days without getting bored. Other people will show a productivity drop after working on something for only a short time. The secret to keeping easily bored people productive is to let them multi-task. When they get bored working on one project they can jump to something different, eventually getting bored withrepparttar 107124 second task and returning torepparttar 107125 first task. Being able to jump from one task to another keeps their overall productivity up.

To make this work, you have to letrepparttar 107126 worker in onrepparttar 107127 plan; otherwise, they will think you are loading them up with too many tasks. You must explainrepparttar 107128 relative priority of each task so they understand which task should getrepparttar 107129 most attention.

Many people don't understand delegation. Proper delegation can make your team into a high performance machine. Poor delegation can result in mistakes, poor quality, and missed schedules. Userepparttar 107130 delegation techniques described in this article and watch your department's productivity soar.

---------------------------------------------------------- Resource Box: Copyright(C) Bucaro TecHelp. To learn how to maintain your computer and use it more effectively to design a Web site and make money onrepparttar 107131 Web visit bucarotechelp.com To subscribe to Bucaro TecHelp Newsletter visit http://bucarotechelp.com/search/000800.asp ----------------------------------------------------------

To learn how to maintain your computer and use it more effectively to design a Web site and make money on the Web visit bucarotechelp.com To subscribe to Bucaro TecHelp Newsletter visit http://bucarotechelp.com/search/000800.asp


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