Saturday, June 30, 2012

Smart Targets Examples

This article will list some SMART target examples that can help you when you are setting your goals and then will provide some tips on how you can start reaching these targets.

Here are some examples of SMART goals:

Goal Setting

I will reduce my debt by 00 this year I will take my family on an overseas holiday in the next six months I will have doubled my income within four years I will lose 20 pounds this year I will exercise for one hour every day this week I will go on a blind date at least once a month while I am single I will take a cooking course this month and then cook one of the meals for my family.

Smart Targets Examples

What makes a target smart?

The goals that you set should meet the following SMART criteria:

Specific -- Write your goals in a clear concise manner without any ambiguity. It should be completely obvious through the wording whether the target has been reached or not. Measurable -- You should have a clear idea how close to your target you are. Measure your progress every day or week on a chart that depicts how close you are to reaching your target. The goals above could all easily be charted. Attainable -- Make sure your target isn't too hard to reach. Aim for one that you think you have about a 70% chance of reaching. Relevant -- Reaching your target should make a significant improvement in your life and should make you happier. Be selfish in setting goals that are relevant to your own life. Time-Bound -- Always put a deadline on when you want to reach your target by. This date should motivate you to keep working until you reach it.

Now that you know how to set goals with these smart targets examples here are some tips for following through and reaching them.

--Write your goal down and put it somewhere you will see it every day.

--Break your goals down into sub-goals that you can focus on.

--Measure your progress every day. Put a chart next to your written goal to demonstrate the progress you are making. Put your goal and sub-goals on the chart in the relevant places.

--Tell supportive family and friends about your goal so that they can keep you accountable and spur you forward.

Smart Targets Examples

--Do something every day. This is the most important part. Take an action every day that will take you closer towards your target. The momentum you build every day will significantly affect how quickly you reach your target. Today you should get more information and tools from [http://www.GoalSettingResults.com] and then start choosing your smart targets.

Good Luck

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Thursday, June 28, 2012

Leadership in Organization

Effective managers are not necessarily true leaders. Many administrators, supervisors, and even top executives execute their responsibilities successfully without being great leaders. But these positions afford opportunity for leadership. The ability to lead effectively, then, will set the excellent managers apart from the average ones.

Where as management must deal with the ongoing, day-to-day complexities of organizations, true leadership includes effectively orchestrating important change. While managing requires planning and budgeting routines, leading includes setting the direction (creating a vision) for the firm Management requires structuring the organization, staffing it with capable people, and monitoring activities; leadership goes beyond these functions by inspiring people to attain the vision. Great leaders keep people focused on moving the organization toward its ideal future, motivating them to over come whatever obstacles lie in the way.

Goal Setting

Organizations succeed or fail not only because of how well they are led but also because of how well followers follow. Just as managers are not necessarily good leaders, people are not always good followers. The most effective followers are capable of independent thinking and at the same time are actively committed to organizational goals. As a manager, you will be asked to play the roles of both leader and follower. As you lead the people who report to you, you will report to your boss. You will be a member of some teams and committees, and you may chair others. Effective followers are
distinguished from ineffective ones by their enthusiasm and commitment to the organization and to a person or purpose other than themselves or their own interests. They master skills that are useful to their organizations, and they hold to performance standards that are higher than required. To be a good leader you must become a good follower first.

Leadership in Organization
Leadership in Organization

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Sunday, June 24, 2012

Fail to Plan, Plan To Fail: The Importance of Goal Setting

Goal setting is a powerful tool, whether applied to one's professional life, personal aspirations or health objectives. In fact, goal setting can make the critical difference between success and failure.

One obvious goal of many may be to simply stick to your diet and/or exericse program in the context of a busy, overscheduled daily routine, but effective goal setting goes far beyond this fairly elementary ambition.

Goal Setting

While life may seem out of control at times and that you're a passenger in life rather than the driver, remind yourselg that YOU hold the greatest power of all - that is the ability to design your own life. You can wake up every morning and decide to exercise, lift your own spirit through positive affirmations, and eat a nutritious breakfast, or you can choose other options that may be detrimental to your emotional and/or physical health. Ultimately, the decision is yours and yours alone.

Fail to Plan, Plan To Fail: The Importance of Goal Setting

Here are a few tips to make lifetime commitments through goal setting:

1. Don't compare yourself with anyone except your self. This is not about winning or losing. This is about making your life better - whatever that means for YOU.

2. Focus on the present - How will you feel after your exercise session today? Will your ability to resist that danish fill you with a sense of accomplishment?

3. Imagine the results - literally. How you picture yourself is often a self fulfilling proficy. Day dream in detail about how you would like to look. Athletes picture themselves performing their event over and over again in ther minds until they finally perfect it. If you see your self as soft, sloppy, weak, tired, or stressed, this may very well become yoru reality for just thinking it. Picture yourself standing tall taking deep breaths, confidently striding forward as you approach life head on.

4. Take small steps - they DO count! It's impossible to stop smoking, start drinking 64 oz of water, and exerising 5 days a week. Start slowly, one attainable goal at a time. Begin with taking a short walk and slowly work your way up.

5. Be patient - it make take weeks before you start noticing you have more energy, your clothes are fitting more loosely and you aren't getting short of breath walking up a flight of steps. When you do recognize these signs of achievement, revel in the glory.

6. Put holes in your excuses. When you find your self coming up with an excuse not to exercise, go back to the reasons why you want to exericse in the first place. Put a stop to the negative self talk and obstacle formation. Grab that mental sledge hammer and break through!

7. Journal - If you do just one thing related to goal seetting, begin journaling. Tracking your progress can help you stay focused. Write down not only your goals, but what exercises you did, how you are feeling and what small changes you are noticing in your everyday life like, not being short of breath or lifting something with ease, or having less pain. Writing your goals in front of your journal would help you to review them daily.

Fail to Plan, Plan To Fail: The Importance of Goal Setting

Child health advocate, weight-loss industry veteran and former bodybuilding champion Merilee A. Kern is co-founder and CEO of Healthy Kids' Catalog ® - an online resource offering Solutions That Foster Healthy ChildrenT. She is also author of the fictional children's book, "It's Not Your Fault That You're Overweight - A Story of Enlightenment, Empowerment and Accomplishment for Overweight and Obese Kids". She can be reached through her Web sites at [http://www.HealthyKidsCatalog.com] and http://www.NotFault.com

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Saturday, June 23, 2012

Why is Goal Setting so Important?

Why is it important to set goals?

Having a goal enables you to focus your energies on devising ways to achieve it. When someone makes a decision and begins focusing on achieving a specific goal (and even better in a specific period of time), the powerful subconscious mind goes to work and begins playing with ideas and developing strategies of various ways to bring about the successful completion of the goal.

Goal Setting

When you set yourself a goal both your conscious and subconscious start working on it and begin to develop an action plan. You will find you begin asking yourself questions about what needs to be done to enable you to reach your goal. You may find yourselves coming up with amazing ideas and solutions to problems or obstacles that have been in the way of achieving your goal. Solutions and ideas that you are surprised you ever thought of may start popping into your mind.

Why is Goal Setting so Important?

Our subconscious is an extremely powerful tool. The more often you remind yourself of your goal, the more your mind will work on ways for you to achieve it. Some people find answers come to them when they are asleep and dreaming.

Have you ever noticed that there is no correlation between being wealthy and having a high IQ or a university degree? If there were, every doctor and university graduate would be wealthy, and as statistics show, most of them end up in the same situation as 95% of the population.
The main thing that the majority of independently wealthy people have in common is that they have set goals for themselves and achieved them. They invest time in reading and learning about wealth creation and are happy to learn from other people's mistakes and experiences, as well as their own. They set goals, and realise that they will be far better able to achieve them if they familiarise themselves with the ways in which other people acted and the things that others have done to succeed. Wealthy people create wealth by carefully utilising the income that they have available to them to their best advantage. They know that working harder and longer hours is not the way to achieve financial freedom, instead they have to utilise what they have, and make it grow.

Setting Goals.

When you begin to work out your goals you need to make them as specific as possible. A vague idea or generalization like "I want to buy investment properties and become wealthy" is not enough. You need to be much more detailed. "I want to own my first investment property within six months. I will save for the legal and bank fees, and borrow 100% of the value of the property. I will find an extremely well priced, three bedroom brick veneer house that is close to schools and shopping centres. It will be either brand new or less than ten years old. It will be structurally sound, and require a minimal amount of maintenance. I will find a good agent to manage it, who has a lot of experience and will find me a good tenant."

This is a specific goal, and you could add a lot more to it. Because your goal is specific your mind immediately begins to ask questions such as "How much money will I need for the fees and charges? How much does that relate to if I break it down on a weekly basis? Will I have to look at my current expenses to see where I need to cut back so as to make up the difference for the amount I need to save?" Specific goals help you to create specific, realistic action plans and as the old saying goes, "If you fail to plan, you plan to fail".

You will find that if you write down your goals on a piece of paper, and put it in a prominent position, so that you will read it often, your subconscious as well as your conscious mind will start asking questions and coming up with answers, and you will find that you have already begun to take the necessary steps to achieving your goal.

It is helpful to have a series of goals, ranging from daily, weekly, monthly, yearly, ten yearly and thirty to forty yearly. You can always refine and change your goals as time goes on and situations change.
You may find that it is easier to start at the 40-year mark, and then work backwards. Try to work out what steps would be needed to achieve your 40-year goal, and spread them out over the different time spans, to what you would need to achieve to end up with the final result.

Try to make your goals realistic and achievable. Do not set a goal that is too hard. Set lots of small, easily achievable goals and work step by step to achieve your road to success. Stay positive. Believe in yourself and your abilities to succeed, even if other people patronise you or try to put you off, or tell you there is no point.

Setting and achieving goals help you to create a stronger character. It is always helpful to remember that our brain cannot entertain both positive and negative thoughts at the same time. If you stay positive you will dispel negative thought patterns. Even if you come across little obstacles that get in the way of your goals, don't give up. Focus on finding a solution, rather than focussing on the problem - utilise a positive response. Focussing on finding solutions enables you to put your brain to work, to find ways around things. If you just see an obstacle as a problem and just accept that life has dealt you a blow, and let it stop you in your tracks, then you will never learn and grow. Remember that children learn to walk by falling over. Focus on the long-term achievements that you want to fulfil, and it will be easier to overcome your problems.

Why is Goal Setting so Important?

Debra Lohrere works as a Commodity Trading Logistics Administration Officer. She previously spent over ten years working in an Accounts Administration position with her primary roles being collections and financial forecasting. She also ran her own computer retailing business for many years.rnKnowing the vital importance of cash flow in business led her to begin investigating the benefits of personal investments and the value of setting and achieving goals.rn

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Friday, June 22, 2012

Therapeutic Communication in the Nursing Profession

Nursing is a caring profession. It is also a profession that is more and more evidenced based in practice. In as much as the scientific aspects of nursing is increasing due to the complex technological advancement of medicine and the machinery that is used at the patients bedside, the fact remains that the nurse is the first person that the client usually comes in contact with in any emergency or hospital setting.

Having said this, the term, "caring" is an essential emotion that all nurses, for that matter, all individuals in the health profession must possess. With caring comes the trained ability of the nurse to facilitate therapeutic communication. One might ask, what is therapeutic communication? To better answer this question, the term communication should first be defined.

Goal Setting

Communication can be defined as "The Process of transmitting messages and interpreting meaning." (Wilson and others, 1995) With therapeutic communication, the sender, or nurse seeks to illicit a response from the receiver, the patient that is beneficial to the patients mental and physical health. Just as stress has been proven to adversely affect the health of individuals, the therapeutic approach to communication can actually help. In any given situation everyone uses communication.

Therapeutic Communication in the Nursing Profession

Everyone has seen the individual that looks like they are either angry, stressed, feeling ill or maybe sad. These emotions are communicated to others not always by words, but by gestures and facial expressions. A nurse must always be aware of these expressions in clients, for these expressions may be the only way that the nurse can tell if there is something else going on that needs their attention. The term given to this type of non-verbal communication is called, meta-communication. In meta-communication, the client may look at their amputated stump and say that it doesn't really look that bad, while at the same time tears are rolling down from their eyes.

In a case such as this the nurse should stay and further explore how the person actually feels. There are many factors associated with the healing and comforting aspects of therapeutic communication. Circumstances, surroundings, and timing all play a role in the effect of therapeutic communication. If a client is being rushed down for an emergency surgery there might not be time for a bedside conversation, but the holding of a hand could convey much more than words to the client at such a moment.

Ideally, for therapeutic communication to be effective the nurse must be aware of how they appear to the client. If a nurse appears rushed, for example, they are speaking quickly, their countenance looks harried, and they are breathing heavily, their eyes not on the client but perhaps on an intravenous bag on the client in the next bed. In a case like this, there is nothing that this nurse could say to the client in a therapeutic manner that the client would believe. The helping relationship has not been established and therefore therapeutic communication cannot be facilitated. Some of the emotions associated with therapeutic communication include but are not limited to the following: Professionalism, Confidentiality, Courtesy, Trust, Availability, Empathy, and Sympathy. (Potter, Patricia A., Perry, Anne G., Co. 2003, Basic Nursing Essentials for Practice, pg. 123, Mosby)

All of these emotions go into the client nurse relationship, which must be established by the nurse as soon as possible upon first meeting the client. To begin to establish this nurse client relationship, the nurse must assess the overall message that the client is communicating to the nurse, such as fear, pain, sadness, anxiety or apathy. The nurse should be trained in keying into the message that the client is sending. Only then can the nurse determine the best therapeutic approach. Anyone that has to be thrust in to a hospital or emergency room environment has level of anxiety.

This level can go up considerably when the client feels that they have been abandoned or that there is no one there that really cares about how they feel. When a client is the recipient of therapeutic communication from a caring individual, a level of trust is achieved and more than, that the clients entire countenance can change for the better. Their blood pressure, respirations and levels of stress can simultaneously decrease. When this takes place, the management of pain, if any is involved, can be resolved more quickly. The goal for a nurse is to become proficient in the medical

Learn more about nursing education at The NET Study Guide.

Therapeutic Communication in the Nursing Profession

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Wednesday, June 20, 2012

Motivation Theory

The word motivation is coined from the Latin word "movere", which means to move. Motivation is defined as an internal drive that activates behavior and gives it direction. The term motivation theory is concerned with the processes that describe why and how human behavior is activated and directed. It is regarded as one of the most important areas of study in the field of organizational behavior. There are two different categories of motivation theories such as content theories, and process theories. Even though there are different motivation theories, none of them are universally accepted.

Also known as need theory, the content theory of motivation mainly focuses on the internal factors that energize and direct human behavior. Maslow's hierarchy of needs, Alderfer's ERG theory, Herzeberg's motivator-hygiene theory (Herzeberg's dual factors theory), and McClelland's learned needs or three-needs theory are some of the major content theories.

Goal Setting

Of the different types of content theories, the most famous content theory is Abraham Maslow's hierarchy of human needs. Maslow introduced five levels of basic needs through his theory. Basic needs are categorized as physiological needs, safety and security needs, needs of love, needs for self esteem and needs for self-actualization.

Motivation Theory

Just like Maslow's hierarchy of needs, ERG theory explains existence, relatedness, and growth needs. Through dual factors theory, Herzeberg describes certain factors in the workplace which result in job satisfaction. McClelland's learned needs or three-needs theory uses a projective technique called the Thematic Aptitude Test (TAT) so as to evaluate people based on three needs: power, achievement, and affiliation. People with high need of power take action in a way that influences the other's behavior.

Another type of motivation theory is process theory. Process theories of motivation provide an opportunity to understand thought processes that influence behavior. The major process theories of motivation include Adams' equity theory, Vroom's expectancy theory, goal-setting theory, and reinforcement theory. Expectancy, instrumentality, and valence are the key concepts explained in the expectancy theory. Goal setting theory suggests that the individuals are motivated to reach set goals. It also requires that the set goals should be specific. Reinforcement theory is concerned with controlling behavior by manipulating its consequences.

Motivation Theory

Motivation provides detailed information on Motivation, Daily Motivation, Employee Motivation, Motivation Posters and more. Motivation is affiliated with Christian Motivational Speakers.

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Tuesday, June 19, 2012

What Are Your Long Term Career Goals - Job Interview Question

This open-ended question, and others like; "Where do you see yourself in five years?" throw most candidates off balance. The object of the question is to check for your self-awareness and communication skills.

Dan Harrison is the staffing manager for Wesco Corporation and is about to interview three candidates for a project manager position. He is looking for someone with planning and long-range vision skills.

Goal Setting

Phil Holmes describes his goal - "To be a Marketing Manager within five years, and have a hand picked team reporting to him."

What Are Your Long Term Career Goals - Job Interview Question

This is a very specific and narrow goal, which may not be an option at this company. The "hand picked" team demonstrates a lack of flexibility. Best to stay away from too specific a goal.

Shawna Green answers - "I have been so busy with my responsibilities and achieving company goals, that I have not focused on personal long-term goals.

While a strong work ethic is certainly desirable, this answer does not demonstrate vision or planning.

Marsha Severson states- "I plan to return to school to earn my MBA, and have my own consulting business one day.

While it pays to be honest, this answer could turn the interview in the wrong direction very quickly. The employer is looking for someone to stick around for the long run, not to stop over on the way to a new career.

Focus - Exercise

If you are the type of person who prefers an organized way of life, you may find this question a "piece of cake". But, if you are among the majority of persons who let life happen as it comes along, you will probably not have a smooth answer without some forethought.

* What are your goals? - The best answers will come from you thinking about what you want. Most successful business people will tell you that a key success factor is the ability to set and achieve goals.

Begin by setting short-term goals. Right now your goal may be "to get a job". But, what kind of job? And, where do you go from there?

* Be employer-centered - The employer is looking for someone to come in and solve problems. Since planning is a key factor in this job, think of examples where your planning has made a difference in results.

Scripting

After giving some thought to where you want to go and how you can help the employer achieve results, try scripting your answer to focus.

I have learned that long-term goals are best achieved when I break them into shorter goals. My short-term goal is to find a position that will place me in a forward-moving company with solid performance and future projections. As part of a team, I want to add value and continue to grow the company. My long-term goal will depend on where the company goes. My plan is to move into a position of responsibility where I can lead a team.

No one can tell you exactly how to answer this question - it will come from what is important to you. However, the more and focused and employer centered you can be about your goal, the better your chances will be of steering the interview in the right direction.

What Are Your Long Term Career Goals - Job Interview Question

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Sunday, June 17, 2012

How Setting A Timeline For Goals Can Make You More Successful

One of the best ways to plan for your future is to create a goal timeline. What is a goal timeline? It is a chronological mapping of your goals. It is best to start at the end (the goal) and then work back. Prepare smaller "mini goals" along the way.

Try to be as specific as possible when defining your goals. This will make it much easier to accomplish them. Instead of saying you want to be financially secure or that you want to make more money, be specific. Start by determining how much money you need to make every month.

Goal Setting

After tallying your living expenses, if you have determined you need ,000 per month, you may wish you create a goal a bit higher. Plan to cover yourself for unexpected things that come up. So, specifically, you will want to say something like "I want to earn ,000 a month".

How Setting A Timeline For Goals Can Make You More Successful

The other great thing about giving your goals deadlines is that it will help measure your progress and success. You should give your goals timeline dates. Instead, try saying "I want to earn ,000 a month by January 1st". When that date comes close, look at whether you have to start working harder, or if you are on track. When your magical date happens, you should know whether or not you've reached your goal.

For a double whammy, create goals that will not only help you grow your business, but also help you grow as a person. Growing as a person is just as important as growing your business- it will also help you get farther in growing your business, if you have personal growth as well.

The benefit of reaching goals is that you are more empowered. You are ready to take on more challenges. You will keep creating new goals and get stronger. If you get in a rut, take out your timeline and see where you've come in 6 months or a year.

Reviewing your goals timeline can help you realize how far you've come in achieving success. It will help you focus on the positive, rather than the negative. Try to focus on the positive by giving yourself credit for the good that you've accomplished.

By complimenting yourself and telling yourself daily that you're doing a great job, you will start to believe it and live up to it.

How Setting A Timeline For Goals Can Make You More Successful

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Saturday, June 16, 2012

What Are SMART Goals?

Each year many work teams set goals for the coming year and leadership teams determine their objectives for their organizations. During the goal and objective setting process, the term SMART goal is often used without much thought as to what it may mean as an overall working plan. SMART goals are a way to not only decide what to do, but how to do it in a way that can easily be tracked to determine whether or not progress is made and know when the goals are met. In this type of goal, the acronym in SMART stands for: Specific, Measurable, Attainable, Relevant, and Time-based.

Specific describes the details of what is to be accomplished in a clear and simple way. The goal must be easy to understand and well defined in order to make achieving it possible. Unclear goals are easily misunderstood and therefore typically do not accomplish the desired results. Being specific answers the question of what has to be done so that appropriate actions can be taken.

Goal Setting

Measurable uses quantifiable terms in order to compare where the goal is in reaching the desired target. Establishing performance criteria for measuring the goal will allow for changes during the goal period in order to manage the process and stay on track to meeting the target. Utilizing a definite tracking method shows how much will be gained by accomplishing the goal and encourages continued improvement.

What Are SMART Goals?

Attainable means the goal is within the ability and capability of those involved while stretching their collective talents to reach the most desirable target. It means that the defined goal is both possible and realistic while still being challenging for the organization and its people. Having a goal that stretches people and allows for growth opportunity often leads to very worthwhile business results.

Relevant indicates the goal is not only within reach of skill levels but also has meaning and relates directly to the purpose or vision of those who are responsible for meeting the goal. Relevancy means everyone involved can understand how they influence the goal and how it affects them. When a goal is relevant to those involved it increases commitment and makes meeting the goal a highly motivational tool.

Time-based defines a period for meeting the measurements in the goal or a deadline date for accomplishing the overall target goal. Having a time frame established allows a frequency for monitoring progress, staying on track, making adjustments to meet the overall goal, and gaining momentum with each accomplishment along the goal path. Without a time-based element to the goal, it will be impossible to make a targeted plan.

Use the acronym SMART to establish goals that are: Specific, Measurable, Attainable, Relevant, and Time-based. SMART goals may be used as an effective way to decide what to do in the coming year and where to make changes if the tracked goals are not progressing as desired. During the yearly goal or objective setting process, be sure to use the SMART goal definition when working on a plan for the future of a team or organization.

What Are SMART Goals?

Shirley Fine Lee, author of "R.A!R.A! A Meeting Wizard's Approach", has worked as a training and development specialist since 1986, and an independent consultant since 2000. She has extensive experience, helping organizations with their team building, training development, meeting facilitation, presentation delivery, and other communication needs. This work involves developing productivity tools, presenting workshops, and writing. For instance, she has authored numerous training manuals and guides, on a wide variety of topics. Her programs include time management, getting organized, problem solving, and team building. Sign up for Shirley's free productivity newsletter on her website or visit her leadership blog. Find out more about her and options she provides on her website at http://www.shirleyfinelee.com.

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Wednesday, June 13, 2012

7 Tips to Real Estate Agents' Success

With over 2 million real estate agents according to the National Association of Realtors (NAR), becoming a successful real estate agent takes more than just a license and a knowledge of current laws and regulations.The first year drop out range estimated to be from 40% to 80% demonstrates that many real estate agents are not as successful as they could be and research suggests that 90% give up after 3 years. The following 7 tips may help you avoid becoming one of these statistics.

First and Foremost YOU are a business. Real estate agents work for a broker, but are independent, commissioned sales people. This means that you are a small business and must run your practice as a business. Again, remember you are a small business owner. Embrace a Planning Attitude. If you don't have a plan, then you are on some else's plan - usually the successful real estate agent's. During the last 10 years, what I have learned as a performance improvement consultant or coach is that most people place more value in planning a trip to the grocery store or a vacation than planning their lives either professionally or personally. Research Your Market Plan. Since you, as the real estate agent, are responsible for your own expenses, do your research specific to your marketing plan within your strategic plan. Time spent in constructing your marketing plan is definitely well spent. NOTE: Remember a business plan usually is data driven, while a strategic plan identifies who does what by when. Establish Sales Goals. Using your strategic action plan, establish sales goals. If you are new to this industry, it may take 6 months before the first sale. HINT: Use the W.H.Y. S.M.A.R.T. criteria for goal setting. Create a Financial Budget. Budgeting is critical given the up and down of this volatile market place. Your financial budget should plan for your marketing costs, any additional costs such as education and your forecasted income. Make Managing Yourself a Priority. Building a business is not easy. You must learn how to manage yourself especially in the area of time management, ongoing real estate business training coaching continuing education units, and personal life balance. Real estate is said to be a 24/7 business much like any small business. However, it is important not to lose sight of your personal life including family, friends, physical health, etc. Find a Mentor or a Real Estate Coach. Going it alone is not easy. Take the time to find a mentor who can help you steer through some of the known obstacles and help you during the "peaks and valleys." If you have the resources, you may wish to hire a real estate coach or an executive coach who specializes in small business help and sales.

Goal Setting

Being an incredible sales person and entering the real estate market does not guarantee similar sales success. However, these 7 tips may help you avoid many of the pitfalls by not being one of the four real estate agents who quit within one year or one of the nine who give up after 3 years.

7 Tips to Real Estate Agents' Success
7 Tips to Real Estate Agents' Success

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Examples of Goals for Leadership

Do you want to develop the skills of a leader? This article will list some goals for leadership that you can set to help you.

I will inspire through example

Goal Setting

Leadership is defined by action. As a leader you must take charge and do what is best for you and for those around you. Leadership is not about what you can gain personally as much as it is how proper leadership can benefit others. Always be aware of the impression you make when you take action.

Examples of Goals for Leadership

I will take always initiative rather than wait for an opportunity

A leader should act first to seize opportunities. Always think about the future and what you can do right now to make it better. While others wait, leaders are always looking for opportunities. Set a proactive example for everybody else.

I will act with integrity

Good leaders are proud of what they believe in and stand up for their values. They will not pretend to be different from their true self in order to impress others. Work out what you value most and be proud of it.

I will always favor optimism to pessimism

A great leader must see the opportunities that are available even in times of crisis. When people are worried they will be looking to you for inspiration. You must see the glass as half full to get the best out of yourself and the people you lead. This might be the most important example of these goals for leadership.

I will create a 5 year plan

As a leader you should be trying to shape your own future and identify potential problems/opportunities before they occur. Having a plan that you follow can add to your confidence and leadership ability. Goal setting is mandatory.

Examples of Goals for Leadership

There is a lot more information on goal setting at [http://www.GoalSettingResults.com] to get you started if you need it.

Good luck

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Tuesday, June 12, 2012

Consumer Credit Card Debt Relief Scams! Are They Real?

I have been in the credit card debt relief industry for just about 10 years now and have been in the financial industry for over 20 years. The point of this article is to give people a heads up on debt relief companies also known as debt settlement or debt negotiation companies. I will give you the pro's and con's of this process and what to watch out for when interviewing a company to help you get out of debt. Before I go on I want to let you know that this will be a rather long article and by the end of it my goal is to have you understand how the debt negotiation/settlement process works in case you don't already know and I would like you to understand the tactics of companies out there that do not truly have your best interest at heart.

First I would like to state that the process of debt negotiation as your means of consumer debt relief is not for everyone, some people are better suited for bankruptcy and others do not have the correct mindset to go through this process.

Goal Setting

I would like you to first understand what debt negotiation is and how it works. The goal of a debt negotiator is to obtain a debt settlement for you on the current debt amount you owe your creditor. So for example you may owe one particular creditor ,000 so the goal of the negotiator would be to have you end up paying back say ,000. The two main benefits of going through this process are to save money on what you currently owe your creditors and to save time. By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation.

Consumer Credit Card Debt Relief Scams! Are They Real?

Now you must understand these are great benefits but as with anything in life there are drawbacks, nothing is perfect and this consumer debt relief procedure is no different. For starters your creditors will not be willing to negotiate a debt settlement at all if you are current with your monthly minimum payments. They would prefer you to stay on their credit treadmill for the next thirty years and pay them back over four times the balance in interest alone. So you must fall behind on your payments to put the creditors into a position where they will be willing to settle. Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement.

So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt.

Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying.

As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".

We here in America over the past couple of years have been experiencing a very negative downturn in our economy. Thus putting many consumers in a compromising position financially, leaving boat loads of people stuck in credit card debt. So naturally this opened up a much larger market for debt negotiation. Many fly by night companies have been popping up all over the country, many of which are ex mortgage brokers who sold people bad loans and helped them get into this sticky position in the first place. Now I use the word scam which can take on a few meanings, while yes there are some companies out there that are flat out scams and have no intent on doing any work for you at all, most of the times that is not the case. Instead many companies simply do not give people all the facts on how debt negotiation works nor do they truly put them on a plan for success, which I will explain in a minute.

One common issue that most consumers have with debt settlement companies is they do not fully tell them about how the process works, instead they sugar coat things and just preach about the great benefits. I have spoken to countless amounts of people who have signed up with companies and were under the impression that they were going to stay current with their creditors and will never receive any calls. So needless to say this became a huge problem once they began.

Another major problem a lot of these companies have is deceiving people into the kind of savings they will be getting on their debts. Some companies will say they will save you 70% of what you owe. Now while they may get settlements that low what their opting not to tell you is how much you will be saving after you have A) paid them their fees, and B) paid back the creditors. Honest companies will tell you what your true savings will be. If you will save somewhere between 40-50% of what you owe including their fees and paying the creditors than that is pretty darn good. Plus many of these companies will try and guarantee a certain amount of savings, if you hear this run for the hills. NO one in this industry can guarantee a certain amount that is why it is called DEBT NEGOTIATION! They are negotiating to get a settlement for as low as they can get.

Then there are the companies who will let you pay whatever you can to get on their program. These are the worst because they do not truly have your interest at heart and know they are setting you up to fail and not succeed. You must understand to achieve the type of savings I stated above this process should take no more than three years, preferably two or less. And the bottom line is some people simply cannot get it done in that time frame and should realistically be looking into bankruptcy. What these unscrupulous consumer debt relief companies will do is put you on a program for 4 or more years and basically accepts whatever payment you can afford. Knowing full well you are not going to be saving much of anything and will more than likely fail off the program, all they care about is getting the fees and that is it. An honest company will diligently review your budget with you and make sure this is something that you can manage, as well as fully explain to you both the benefits and drawbacks of doing this. And let you make the conscience decision as to whether this is the best consumer debt relief method for your situation.

Another very good way to evaluate a company is to make sure they are registered with the BBB (Better Business Bureau) and that they are in good standings with very few complaints. And if there are complaints make sure they were resolved to the clients liking.

Consumer Credit Card Debt Relief Scams! Are They Real?

Like I said I have been in this business for almost 10 years now and currently I work for an outstanding company with a great track record and an amazing record with the BBB, the FSLC. If you want an honest evaluation of your situation to see if this is the right method of consumer debt relief for you than follow the link below in the signature file and fill out an application. I will go over in great detail how this process works and whether you are a good candidate. I hope after reading this article you feel more educated as to how this process works and what to look out for when you are interviewing companies to potentially help you out.

Steve Bis is a senior debt analyst and research assistant with the FSLC which deals primarily in consumer credit card debt relief

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Monday, June 11, 2012

Origin And Development Of Guidance And Counseling Practice In Tanzanian Schools

1.0. Overview

1.1. Background and History of Guidance and Counseling in General in School Practice and other setting

Goal Setting

The history of school counseling formally started at the turn of the twentieth century, although a case can be made for tracing the foundations of counseling and guidance principles to ancient Greece and Rome with the philosophical teachings of Plato and Aristotle. There is also evidence to argue that some of the techniques and skills of modern-day guidance counselors were practiced by Catholic priests in the middle ages, as can be seen by the dedication to the concept of confidentiality within the confessional. Near the end of the sixteenth century, one of the first texts about career options appeared: The Universal Plaza of All the Professions of the World, (1626) written by Tomaso Garzoni quoted in Guez, W. & Allen, J. (2000). Nevertheless, formal guidance programs using specialized textbooks did not start until the turn of the twentieth century.

Origin And Development Of Guidance And Counseling Practice In Tanzanian Schools

Counseling is a concept that has existed for a long time in Tanzania. We have sought through the ages to understand ourselves, offer counsel and develop our potential, become aware of opportunities and, in general, help ourselves in ways associated with formal guidance practice. In most communities, there has been, and there still is, a deeply embedded conviction that, under proper conditions, people can help others with their problems. Some people help others find ways of dealing with, solving, or transcending problems as Nwoye, (2009) prescribed in his writings. In schools, presently if the collaboration between teachers and students is good, students learn in a practical way. Young people develop degrees of freedom in their lives as they become aware of options and take advantage of them. At its best, helping should enable people to throw off chains and manage life situations effectively. Unprecedented economic and social changes have, over the years, changed the ways in which we manage our lives. Consequently, not all the lessons of the past can effectively deal with the challenges of modern times. Effective counseling, especially in institutions of learning has now become important. Boys and girls, and young men and women, need to be guided in the relationships between health and the environment, earning skills, knowledge, and attitudes that lead to success and failure in life. The need for counseling has become paramount in order to promote the well-being of the child. Effective guidance and counseling should help to improve the self-image of young people and facilitate achievement in life tasks. Counseling should empower girls and boys to participate fully in, and benefit from, the economic and social development of the nation.

2.0. Definitions of Concepts

2.1. Guidance

Guidance is an act of showing the way for some people, like adolescents, who cannot find the right path. It is directing, pointing, leading and accompanying. Guidance is saying "Yes" to someone who is asking for help. It is saying "Yes" to an invitation of someone who wants a temporary companion along life's way.

Guidance is giving directions to the lonely, confused, unloved, the suffering, the sick and the lost. It is pointing to some possibilities of thinking, feeling and acting. It is leading the person psychologically, emotionally and even spiritually to some newer ways of meaningful living. It is accompanying those who are fearful and uncertain, those who need someone along the rugged path of life's journey.

From an objective point of view, guidance is part and parcel of the counseling profession. It is called directive counseling. High school and even college students need guidance when they are unsure of what choices to make or what directions to take. The guidance counselor "opens up" a world of choices for these persons for them to choose from. It is like presenting the universe when all that a person sees is the lonely planet earth. The guidance counselor enlarges and widens the horizon of people who sees only a narrow path or a concealed view of that path. Thus, the focus is on possibilities and choices.

Usually, guidance occurs in schools. High school and college students avail of guidance and counseling services in their school. More often, young people are unsure of what to do, how to react or respond, and how to act in certain choices. When this occurs, they need someone older, wiser and more experienced to show them the way, to guide them. This is the role of the guidance counselor to extend assistance when necessary to those who are confused, uncertain, and needing advice. However, some adults may need guidance too.

2.2. Counseling:

Counseling is guiding and more. It is a way of healing hurts. It is both a science and an art. It is a science because to offer counsel, advice or assistance, the counselor must have the knowledge of the basic principles and techniques of counseling. The counselor must be able to use any of these basic principles and techniques as paradigms in order for him to counsel well. However, it is not enough to use know these basic principles and techniques. The other important aspect is for the counselor to know how to counsel-the art of counseling. This aspect considers counseling as a relationship, as a sharing of life, in the hope that the person who is hurting will be healed. As a relationship, counseling involves the physical, emotional, and psychical or spiritual dimensions. The counselor must have the ability to relate to the counselee in an appropriate physical manner without being too intimate or too close for comfort or being too distant or aloof. The emotional dimension in counseling includes empathy, sensitivity and the ability to interpret non-verbal clues of the counselee in order to understand unresolved complexes or pent-up feelings. The psychical or spiritual dimension embraces the counselee's "soul-content"---what lies inside. This is what is called the interiority of the person. The counselor must have the gift or grace of catching a glimpse of the interior world of the person, particularly his spiritual condition, for this is very important in healing the person's hurts.

2.3. Other Definitions of the Concepts

Biswalo (1996) defines guidance as a term used to denote the process of helping an individual to gain self understanding and self direction (self decision-making) so that he can adjust maximally to his home, school or community environment. This process, however, depends on counseling. He also defines counseling as a process of helping an individual to accept and use information and advice so that he can either solve his present problem or cope with it successfully. He goes further remarking that sometimes the process helps the individual to accept unchangeable situation for example, loss of dearly loved ones and to some extent change it in its favour rather than letting himself be overcome by the situation. Guez and Allen (2000) remarked that it is difficult to think of a single definition of counseling. This is because definitions of counseling depend on theoretical orientation. Counseling is a learning-oriented process, which occurs usually in an interactive relationship, with the aim of helping a person learn more about the self, and to use such understanding to enable the person to become an effective member of society. Counseling is a process by means of which the helper expresses care and concern towards the person with a problem, and facilitates that person's personal growth and brings about change through self-knowledge. Counseling is a relationship between a concerned person and a person with a need. This relationship is usually person-to-person, although sometimes it may involve more than two people. It is designed to help people to understand and clarify their views, and learn how to reach their self-determined goals through meaningful, well-informed choices, and through the resolution of emotional or interpersonal problems. It can be seen from these definitions that counseling can have different meanings.

3.0. Origin of Guidance and Counseling Practice in Pre-Colonial Era

Counseling in Tanzania in different forms and with different interpretations, has existed in societies for a long time before colonial era. The differences and contradictions in present-day, have their origin in the social and historical forces that have shaped modern culture. In Tanzania people in all societies, and at all times, have experienced emotional or psychological distress and behavioural problems. In each culture, there have been well established ways and methods of helping individuals with their problems. However, there are no sufficient written sources about the origin of guidance and counseling practice in Tanzanian schools. But like other places before colonial era there were outstanding unique elements which held the societies together in their livelihood. The elements include the extended family system, including the clan and the tribe, chieftaincy, taboos, various forms of initiation and close links with ancestors and elders.

The village is the focal point of society. While each one of these elements is important, only a few are used to illustrate the role of guidance and counseling in present-day Tanzanian societies. Basically, traditional chiefs had multiple roles which included serving as a symbol of authority and as a regulator. Since these roles were accepted and respected by all, there was a clear direction in the day-to-day affairs of society. The elders, the chief included, were a valuable source of guidance and counseling for boys and girls. In most cases, the chiefs were regarded as a vital link between ancestors and the present generation. This link was strengthened by the rituals, ceremonies and taboos attached to them. It was easy to guide and counsel the young, since the rituals or ceremonies were also aimed at preparation for adult roles in society. The extended family, the clan, and the village, made society supportive. No individual regarded him/herself as alien. Counseling was readily sought and provided. The forms of guidance and counseling involved were given advice and sharing wisdom.

4.0. The Developments of Guidance and Counseling Practices in Tanzanian Schools

4.1. Guidance and Counseling Practices in Tanzanian Schools Trends

In realizing this perhaps, since we are thinking of the concepts in school setting, we should think the meaning of counseling in education discipline. One could think that the definitions given above on the term guidance and counseling, their meaning can be directed to education grounds and now give the meaning correctly. Guez and Allen (2000) pointed out that a term educational counseling was first coined by Truman Kelley in 1914 in Makinde, (1988), educational counseling is a process of rendering services to pupils who need assistance in making decisions about important aspects of their education, such as the choice of courses and studies, decisions regarding interests and ability, and choices of college and high school. Educational counseling increases a pupil's knowledge of educational opportunities.

The ever growing complexity of society in Tanzania, coupled with social problems like HIV/AIDS and the rapid development of science and technology, place heavy demands on education. The school, as an important social institution, was required to adapt quickly to changing patterns, and help prepare citizens for tomorrow's challenges. That is where guidance and counseling in the educational system should help boys and girls alike, to develop their capacities to the full. These include intellectual, social, physical and moral capacities. This help is of the most important in Tanzania as long as the history and age of education provision and in its systems found today.

Guidance and counseling practices development in Tanzanian schools can be traced back from the time when vocational education was emerging right at the colonial period. In the process of establishing counseling services in Tanzania, there was a need to first understand the underlying factors that influence people's beliefs and perceptions about such practices. However, this is thought that was not taken in to consideration at the time and it may be up to recent time. It is especially important to understand the economic, socio-political, religious beliefs, customs and traditions, and cultural changes that are present in different regions of the country. Young people should be understood within this context, but also within the paradoxical situation of having to face the traditional and the modern world, but this is a big challenge to Tanzania and many developing African countries. During colonial period there were some form of vocational guidance under the career guidance and it was administered by career masters. But the career masters who were selected by the head of schools had no professional training in vocational guidance. In fact the duty was limited to helping students fill out employment forms and writing letters of application. In the missionary schools vocational guidance was confined to religious services. The teachers who were usually 'fathers', pastors, or reverends guided and trained spiritually inclined youths to become sisters, brothers, fathers and pastors upon their completion of formal education.

Apart of what could be done in schools in Tanzania, guidance and counseling was more or less a private family affair. Parents and relatives counseled their children on all matters of life management and problem solving. It is true that in many families the duty of general guidance was the traditional duty of senior members of the family, father, mother, uncle, aunt, and grandparents. In case of serious personal or family problems, counseling was done by a specially organized by the community as a competent in handling that specific problem. This is done without any knowledge obtained from formal or informal school system but rather through experience and age wise through collected wisdom. This kind of early form of counseling from school setting and community helped the young to be brought into the bright image of living in the future to the society.

4.2. Guidance and Counseling Practices in Tanzanian Schools in Post-colonial era

In several literatures and sources, guidance and counseling in education sector in Tanzania and some other African countries is regarded as the youngest discipline. This is evidenced by First International Conference on Guidance, Counseling and Youth Development in Africa held in Nairobi, Kenya from 22nd to 26th April, 2002 which pointed out that the Guidance, Counseling and Youth Development Programme was initiated in Africa in April 1994, following the First Pan African Conference on the Education of Girls that was held in Ouagadougou in 1993. It is designed to introduce or strengthen guidance and counseling in African countries. It focuses on capacity building in the countries involved and provides training at both regional and national levels on issues of guidance and counseling of schools and colleges.

What we can call professional guidance and counseling in Tanzania schools begin in the year 1984 following the National October 1984 Arusha Conference, where guidance and counseling services were endorsed by the government as and integral part of the country's education system (Biswalo, 1996). The aim of the conference is to establish systematic criteria for secondary schools students' guidance and counseling. Students were then advised, guided and counseled on matters concerning their job selection and student placement for further education. This job was assigned to career masters and mistresses as explained below, however, there were no sufficient guidance and counseling personnel not only in the responsible ministry but also in the schools.

Guidance and Counseling is now becoming slowly institutionalized and spread in educational institutions. Schools, for example, have to a large extent taken over the task of providing psychological support to boys and girls. However Biswalo (1996) comments that in Tanzania policies pertinent to guidance and counseling is still lacking. The Ministry of Education, however, has somehow tried to institutionalize the services within the education system by appointing career masters and mistresses. He continued saying that the personnel are charged with the responsibility of advising heads of secondary schools concerning students job selection and student placement for further education; to try and help students understands and develop interest in appropriate jobs or further education or training; to asses the students talents and capabilities and to encourage them to pursue careers or further education best suited to them and to help students solve their personal problems which may affect their general progress in school.

This is an impossible and realistic burden on these untrained personnel. It reflects the apathy of policy and decision makers regarding the new field of guidance and counseling in schools; the strength of the myth of planned manpower in which career guidance is erroneously regarded as redundant and the gross lack of trained personnel who would provide effective guidance and counseling services in schools. It is unfortunate that even after the National October 1984 Arusha Conference on the strengthening of education in Tanzania, where guidance and counseling services were endorsed by the government as and integral part of the country's education system, the services are to-date still patchy and ineffective in Tanzania's educational institutions. Guidance and counseling in this manner is discussed by different scholars in primary, secondary and tertiary education levels together.

5.0. Guidance and Counseling Practices in Primary and Secondary Schools

In primary school levels in Tanzania in actual fact there were and are no specified pupils' teacher-counselors. However, the activity is left to teachers themselves to decide what is to be done since there is no programmed or time-tabled activity concerning guidance and counseling. Teachers are left to use part of the teaching to practice guidance and counseling in and outside the classroom although not all teachers have gone teacher-counselor training. As children enter school they need orientation on school itself, its environment, school community and the curriculum to motivate and develop positive attitude toward learning and school community as well (Biswalo, 1996). As the pupils grow older and pass through different grades they need to be directed in studying skills, overcome learning difficulties and other school related problems. But this activity is not performed systematically in primary schools in Tanzania.

In the case of secondary schools till to-date there is also insufficient programmed or time-tabled system of guiding and counseling students. In some cases this duty is left to discipline masters and sometimes to class masters and head of schools. At secondary school level, students would seek educational opportunities, information of all kinds and any other help pertinent to educational pursuits. These needs are catered to by educational guidance and counseling (ibid). At this level students are helped with subject choice, study techniques and tests and examination. Biswalo (1996) pointed out that sometimes during subject choice, pride of placing as many students as possible in prestigious streams, such as science, takes precedence over actual abilities, interests and aptitudes of students. He said this unfortunate situation has been born out of the lack of genuine educational guidance and counseling services in secondary schools.

The school has an important role to play in preparing pupils for continued secondary education, paid employment, self-employment and life in the community, as clearly set out by the Ministry of Education in the objectives for its secondary curriculum. Perhaps uniquely, there would be total agreement among pupils, teachers and parents over the relative emphasis a certain schools placed on the preparation for further education, with its focus on academic knowledge and the pursuit of success in the national examinations. That is, the secondary schools where counseling is not well performed placed little emphasis on citizenship and the development of a responsible attitude to life in the community at the local, regional or national level and employment opportunities. However, what is de-emphasized is the informal sector including self-employment but the emphasized is employment in the formal sector with its implied emphasis on white collar jobs.

5.1. Vocational, Career Guidance and Counseling

In Tanzania teachers have the capacity to directly influence their pupils' choice of careers. The achievements and attitudes of pupils have been shown to be related to the characteristics and achievements of their teachers (World Bank, 1995; quoted in Nyutu, P.N. & Norman C.G. 2008). However, the influence of the school depends on the formal interactions and communication which take place between teachers and pupils in the classroom whereas television and radio, act through the informal interactions pupils have with these media. The influence of parents and siblings is through both formal and informal means.

That is in most cases in Tanzania and may be other states where guidance and counseling is rarely done in schools; parents play the big role to influence on their children's choice of careers. Others who have lower level careers i.e. teachers, clerks, drivers, personal secretaries, soldiers etc. do not anticipate their children 'following in their footsteps' because for the children who are able to study to higher level sometimes saw these jobs as narrow and lacking in interest. However it is suggested that parents' occupation might have influenced their children's choice of careers, but this happened to children who have generic skills useful in such jobs, and a few may have job skills relevant to those jobs. Access to information through the media and other forms of technology is giving young people aspirations that, for the most part, cannot be satisfied in their own environment. Choices have to be made and young people must acquire the skills to assess situations and make informed decisions. There is no longer a natural, understandable order from birth to adulthood for the Tanzanian young.

Vocational guidance at secondary school levels is provided but in very few among others because of shortages of school or vocational trained counselors. For those lucky schools with these kinds of counselors, students are helped but vocational counseling is not emphasized because most pupils, teachers and of course parents push students to make long range plans of study so that to prepare well for the envisaged careers. These counselors plan with school administrators and teachers to provide appropriate class placement for students with special abilities or disabilities for course selection by students.

5.2. Tertiary Level

The tertiary level students are provided with orientation and other educational guidance and counseling. In Tanzania tertiary level have at least fulfilled the need of having qualified students' counselors for both psychological and academics, though they are few in number. Here counselors play a big role in compiling comprehensive information on all aspects of the careers related to the training offered in the institution. Counselors sometimes integrate with administration or practicum department to organize field practices for students and even more rarely might contacts with relevant employing agencies (Biswalo, 1996).
6.0. Notion on Guidance and Counseling in Tanzania

According to the research by Sima (2004), professional counseling is yet to be recognized as a stand-alone profession in Tanzania and in many African countries. Nevertheless, the coming and setting of HIV/Aids in the country has strengthened the base for counseling. This is particularly because of the multifaceted nature of the HIV/Aids pandemic whose attention, unlike other human diseases, goes beyond the prerogatives of the medical profession. Thus, counseling is perceived as a crucial avenue for prevention of HIV infection through provision of adequate and relevant information, and for social and psychological support of people infected and affected by the pandemic. Ibid continued saying that since the emergence of the pandemic in the country, a number of non-governmental organizations have been offering counseling services however, there is lack of clarity on the type and nature of counseling services offered by these organization. The nature and characteristics of counseling clients also remain fuzzy.

In Tanzania the professional counseling as aforesaid is relatively a new phenomenon. Outwater (1995) quoted in Sima (2004) comments that before HIV/Aids epidemic, there was no formal counseling service in Tanzanian hospitals, no professional counselors and no formal system for training counselors. There was a need to fill this gap by training as many counselors as possible to provide optimal care for AIDS patients and their relatives (NACP, 1989; quoted in ibid). Since then many para-professional counselors have been trained in basic knowledge and skills of counseling. Currently there are many counseling centers working not only on HIV/Aids related problems but also different problems affecting Tanzanians. However, as counseling became popular with the advent of HIV/Aids, many people assume that it is only meant for people infected and affected by HIV/Aids and shy away from it for fear of being labeled (Sima, 2002; quoted in Sima 2004).

7.0. Problems and Challenges

The Tanzanian government have not yet formulated in the education policy issues pertaining guidance and counseling in spite of the crucially and necessity in schools. Biswalo (1996) pointed out that in Tanzania policies pertinent to guidance and counseling is still lacking. He continued saying that efforts directed towards fulfilling guidance and counseling needs are apparently thwarted by several difficulties including financial resources to support the even established tiny counseling activities in several schools.

In Tanzania till today counseling is relatively new phenomenon. There are no enough qualified counselors in schools and other education institutions. However, there are limited number of qualified counselors, they are either not utilized well in schools or they are engaged in other activities rather than what they are trained for. Some of school counselors are also teachers and they are fully occupied with teaching responsibilities. More surprisingly counseling is perceived as a crucial avenue for only prevention of HIV infection through provision of adequate and relevant information, and for social and psychological support of people infected and affected by the HIV/Aids (Sima, 2004).

There is slow growth of guidance and counseling in educational systems attributed to lack of funds, training facilities, and high turnover of guidance counselors to green pastures and in adequately trained counselors. For instance in many schools they lack counseling offices, trained teacher-counselors and counseling equipments. In terms of funds there are various options that can be explored to alleviate financial constraints. Special schools on behalf of parents in need can approach non-governmental organizations.

The absence of solid professional counseling association in Tanzania to set standards for the appropriate practice is another challenge (Nwoye, 2008). Also insufficient availability of professional counselor training programs in Tanzanian colleges and universities is another contributing challenge.

There are no efforts to establish counseling curriculum in secondary schools and colleges and guidance and counseling courses in the universities. Guidance curriculum and responsive services can then be structured to address the five content areas, namely human relationships, career development, social values, self development, and learning skills. A guidance curriculum could be taught to students at different levels or in small groups to address issues that are similar to them. For guidance and counseling programs to be effective in Tanzania, trained professionals should be employed to manage and offer services in schools. Such professionals should also be provided with relevant facilities and structural support. At the same time, universities and teacher training institutions will have to establish and develop programs that train professional school counselors and other guidance personnel.

There is still insufficient assistance in higher education institutions to enable students achieves their career aspirations. However, students today indicate a higher need for career guidance than students in the past decade. Students may therefore be encountering an increased need to acquire relevant career information that will enable them seek better paid jobs. Many schools have in the past appointed some teachers as career masters without providing them with the necessary training and facilities for career guidance. Such career masters usually assume that all students will end up in universities and only focus on helping students complete university application forms and no more. It is the high time for the government to set and implement the policy that will enhance guidance and counseling from primary schools to the tertiary level and in turn will develop programs that train professional school counselors and other guidance personnel.

8.0. Conclusion

Guidance and counseling sought to prepare pupils in their schooling program to enter into the world of appropriate work by linking the school curriculum to employment. For the school to be successful in this endeavor, subjects should be taught at a pleasant and convenient environment and should be made relevant and interesting to the pupils. Another factor that needs to be considered is the recruitment of competent teachers capable of guiding and counseling learners in relating what they teach to the job market. What is taught and how it is taught can have great influence on the interest and perception of learners. In Tanzania the spirit to plan and use guidance and counseling services in the effective development and utilization of their respective young human resources is evidently strong. However, as Biswalo (1996) said the efforts directed towards fulfilling this need are apparently thwarted by several difficulties. It appears total and enlightened commitment on the part of policy and decision makers is necessary and should be definitely surmount the problems.

The emergence of career development in western countries as a construct suggests that it may be an essential area in developing country like Tanzania where students need assistance; students particularly need assistance in selecting colleges and courses. To this end, the schools should offer a career guidance and counseling programme under the able leadership of qualified school counselors.

Origin And Development Of Guidance And Counseling Practice In Tanzanian Schools

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Saturday, June 9, 2012

Pay Off Debt the Smart Way

Feeling the crunch? Dread opening the mail? Want a better life with less stress? Lets get started.

First order of business, define your debt. A typical middle income family will have a car payment, mortgage, credit cards, student loans, and miscellaneous debts. There are a few ways that the debt should be categorized.

Goal Setting

1.Revolving/Reoccurring: These debts are often set to be paid on a monthly basis. Bills such as cell phone, credit cards, and utilities fall into this category.
2.Termed: Car loans and home mortgages fall into this category. These loans have an agreed upon balance and a set term for repayment.

Pay Off Debt the Smart Way

I believe that splitting the bills into two categories will help to determine what is going to be a priority for repayment. Now, don't let the last statement mislead you. It is imperative that you must remain or become current on all payments. If there are any debts that are delinquent, you must first assess your budget to find the reason why they are not being paid on time and make whatever sacrifices necessary to bring them current. That being said, we will continue with the assumption that all payments are on time at this moment.

Now that you have two categories, arrange the debts by balance in their respective categories. Are there any that could be eliminated in a short period of time? Department Store cards often have a lower balance than national cards and a higher interest rate. Focus on eliminating one bill that carries a higher interest rate and a reasonable balance. By plugging one of the leaks in your financial bucket you will not only free up a sum of money that can now be focused on the next target but also support a sense of accomplishment. Once that balance is gone, cut up the card, close the account and eliminate the temptation of adding more debt. You can then take the amount of money you were applying to that balance and forward it on to the next victim. Attacking the higher interest rate debt first will lessen the leaks happening in your bucket, eliminating the smaller balances will free up more working cash and we all know how important it is to have every one of our dollars working the hardest for us. Pick your targets wisely.

I am a firm believer that we can find 20% more available cash by assessing our spending habits. Make the decision to eliminate debt followed up with some easy changes and you are there! The focus of this article is to convince you to begin paying the debt in a rational, systematic, and productive manner. Freeing up every available dollar to apply toward your goals will speed the process.

Avoid the debt traps. Debt consolidation loans, second mortgages, and zero percent transfers, can generate a sense of progress toward debt management when it actually is creating opportunity to slide further into trouble. These offers, and yes they are attractive, free up available credit by moving the balances around, not eliminating them. The resolve to pay the balances off during a certain time-frame often wanes as the desire to acquire more goods and services preys on our impressionable minds. Marketing, a multi-billion dollar business, continues to focus on the needs and wants of us, the consumer, by working smarter every day to convince us that we need to buy their product. As the memory of the debt begins to fade away, make sure you close the account and cut up the card to ensure you are sticking to your plan.

Debt management programs and bankruptcy should be the last choice. The long term negative impact of the credit damage will far outweigh the hits your credit is taking with a higher debt to income ratio and some late payments. As a current payment history is established and balances are reduced, I am confident you will see a dramatic increase in your credit score and credit worthiness. Stay focused, remain positive, and congratulate yourself on your steps toward a stress free lifestyle. You deserve to celebrate the milestones that you achieve........just make sure you do it with cash!

Pay Off Debt the Smart Way

The author Erine Adams is excited to bring trusted information, product reviews, and anything relevant to credit repair, building wealth, and the goal of living debt free. Visit http://www.debtisatrap.com and [http://www.creditsecretsbible2008.com] for the best, current, straight up information available regarding personal finance.

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Tuesday, June 5, 2012

The Power of Process Goals Vs Outcome Goals

How do you feel about goal setting? Is it an enjoyable experience, or an activity you avoid? Most of us have heard about the "power" of having clear goals, yet how many of us actually set clear goals and use them? If you are like me, the reason you may avoid the whole goal setting scene is because goals can actually lead to discouragement and even despair. Being reminded of unfulfilled outcomes can produce questions like "Am I just kidding myself?" and "Will I really ever get there?"

So what's the answer? Steve Chandler, in his new book, Shift Your Mind, has a short chapter that distinguishes Process Goals from Outcome Goals. Outcome Goals are those big dreams; descriptions of the ultimate outcomes from years of discipline and pursuit. For this kind of goal to be useful and effective, we need to use it properly. This type of goal is great for setting our direction. It is also essential for planning and prioritizing. Goals that fall into this category will stretch us and cause us to think bigger and more creative thoughts. They can break us out of our comfort zones, and force us to ask bigger and better questions.

Goal Setting

Where Outcome Goals can become our enemy is when we try to derive all our daily motivation and satisfaction from them. They can taunt us and make us feel like failures. If we have really set some big goals, they can sometimes seem overwhelming and impossible to achieve. I would even say that if your outcome goal doesn't challenge your current ability and creativity, it isn't big enough!

The Power of Process Goals Vs Outcome Goals

Outcome Goals need a great partner to make them effective; Process Goals. A process goal is a specific, achievable short term outcome (usually daily). "What can I accomplish TODAY?" is the question answered by a process goal. Process goals move us immediately into action. They give us clear achievable outcomes for today. They remove all procrastination and excuse.

For example, you might have an outcome goal to increase your sales ,000,000 over the next three years. That may be a great OUTCOME goal that inspires you to plan and change your direction. Now what you need to add to that wonderful goal is a great PROCESS goal like "Set one appointment with a new prospective customer today". Let your long term OUTCOME goal create daily achievable PROCESS goals. PROCESS goals turn you into a winner every day. They build a daily sense of accomplishment and satisfaction, and should occupy most of our attention. So set three goals for every day that will take you a few steps closer toward your dreams, and DO IT.

The Power of Process Goals Vs Outcome Goals

Dave Beam
ActionCOACH Business Coach
Phone: 740-444-4164
Email: davebeam@actioncoach.com
Blog: http://actioncoachohio.blogspot.com

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