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Sep 01 2018
People vs A.I. - Why You Should Embrace Life Long Learning

Recently, I was catching up on some reading I had set aside and found an article about machines and computers artificial intelligence (A.I.) replacing people in the July 2017 Entrepreneur Magazine. The article was not trying to use scare tactics like a horror movie but was putting workers and executives on notice. The message was "People need to adapt faster than ever." My first thought on reading the first paragraph of the article was this people vs. A.I. thing has been going on a long time. One of my favorite old movies stars Katharine Hepburn and Spencer Tracy; Desk Set from 1957. It is about this very topic - a computer moving into the research department of a network TV Station. Who knew that when I first saw this movie on the afternoon movie show after school decades ago
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Sep 01 2018
Dealing with Difficult People

As credit managers we all have marginal accounts that are higher risk. These accounts take extra monitoring, time and care, to be able to protect the balance due to your company. As you know, any account can become past due. In your attempts to collect that past due balance, your customer may give you various reasons for non-payment, broken promises etc. At that point, decisions must be made that the customer, as well as the sales department, are not happy with.
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Sep 01 2018
What's in Your Tool Bag?

It is impossible to ignore that the internet, electronic devises, and social media have an overshadowing presence in our personal and professional lives - and it is still growing. Can you recall the last time you saw a student consulting an encyclopedia? Today there is such a wealth of information stored electronically that it would exceed 4,500 stacks of books from the earth to the sun, which is 93 million miles away! In the summer of 1995 Amazon sold its 1st book in the garage of Jeff Bezos. Today Amazon has more warehouse
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Aug 01 2018
Myth or Fact - The Truth About Multitasking

I attended Credit Congress in Phoenix in June and had the opportunity to go to several amazing classes. One of the most interesting things I heard during this week was just a side note in a larger presentation. It was a statement about multitasking. In this day and age, we hear the term all the time. I have even seen it in job descriptions: Must be able to multitask. The interesting piece of information that I heard is that multitasking is a myth. I have thought myself to be a very effective multitasker, so this idea was confusing to me. I decided to do some research.
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Aug 01 2018
Networking - Yeah! or No Way?

Networking - a word that has some of you are saying YEAH! Others NO WAY! I am here to advise you on the importance of making it a "Yeah" in your life. Networking is underrated in its value. In my experience and a little bit of study on the subject proves that networking is an essential part of career advancement and achievement. As parents we know this because when our children are in school and preparing for college and adult life we encourage networking (only we don't call it networking). Some scholarships weight the "networking" part of a student's life as important as the grades.
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Aug 01 2018
Connie Steed, CCE Retires

After working 40 years in credit, Connie Steed, CCE decided it was time to retire. Many credit professionals in our affiliate have been influenced and educated by Connie as she has been an example of what it means to give back to her profession. Connie's career in credit did not start out as many would expect. Upon graduating from high school, she moved to Southeastern Idaho to work in a potato processing plant near Aberdeen. Work in Salt Lake was scarce due to an extended strike at the Kennecott Copper Mine.
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Jul 01 2018
An Educational What If?

I stumbled into credit management as a fluke. Truly. It is hard to believe that when I was a kid I didn't dream of being a credit manager when I grew up. I wanted to be a lawyer, actually, but then I learned how much schooling was involved. 10 years ago, when my boss asked me to transfer into the position of Director of Accounting, I had very little knowledge of how the accounting department functioned. I knew nothing about collections or credit management.
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Jul 01 2018
A Little Quiz About Money . . . .

Our founding fathers valued life, liberty and the pursuit of happiness. They also thought about the processes our Republic would need to obtain and keep the values our county has now and currently represents. Every day we as credit professionals work in a field valued by our founding fathers - Credit. In the Revolutionary War our Colonies borrowed money
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Jul 01 2018
Fast, Service-Oriented Follow-up Critical When Handling Deductions

Deductions, also known as "short payments," typically happen when a customer has quality problems, returns goods, experiences discount problems, billing errors or encounters other issues, according to Charles Gahala, Ph.D., CCE, CICP, author of Credit Management, Principles and Practices.
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Jun 01 2018
8 Tips for Networking Like a Pro

Admittedly, I've never felt very comfortable networking. It can feel awkward, daunting and forced. But networking is a great way to achieve a myriad of goals. It can help provide new ideas and insights. It can lead to new customers, mentors and friends. It's a great way to find potential job opportunities. It can result in increased job performance as you learn from others and their experiences. And networking can help build confidence as you leave your comfort zone and form new relationships. Looking ahead to this year's NACM
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Jun 01 2018
Reasons to Attend a Professional Conference

You might have heard the news - Western Region area has hosted this conference and we are quite excited. If you have not already registered and taken advantage of some early registration savings, I thought I would give you a few reasons you should attend. This conference draws credit professionals from many states: Arizona, California, Colorado, Idaho, Montana, Oregon, Utah and Wyoming. If you live along the Wasatch Front, Southern Idaho Credit Conference is in Salt Lake City this October.
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Jun 01 2018
Quality Education in Credit Management is a Must

Credit management is so much more than credit limits and collections! For some individuals it is a chosen profession, for others they have kind of just fallen into it. Let's face it, even if someone fell into credit, it has been a choice to stay. I personally fell into credit and would not change one moment about it. I have a fantastic network of credit and career minded individuals that I have served on committees and the local NACM board with, they are my peers and I would consider some of them very good friends.
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May 01 2018
Want Better Cash Flow? Listen to your Credit Team.

I ran across an article in CFO Magazine written by Eric Dowdell, titled Want Better Cash Flow? Listen to your Credit Team. Eric states that no CFO worth his or her salt would pursue a "sales at all costs" strategy. So, why are so many corporate balance sheets littered with predictably late-paying accounts? The sales-hungry climate built by these pressures is a double-edge sword. The good news is that many companies are starting to book more sales. The not-so-good news? Comparatively few companies are collecting efficiently on those sales.
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May 01 2018
Challenge to Change Your Thinking

Several years ago, after attending a class, I decided to change my thinking/my mindset about interruptions. Instead of thinking of the calls and emails from customers, finance companies and salesman as interruptions, I changed my thoughts and count them as part of my job - they became much less frustrating. Changing my thinking did not stop the inflow of emails, calls, requests and desk visits (what many call interruptions) but freed my mind from thinking I was not doing my job. These were in fact a vital part of my job and handling them quickly and efficiently was achieving both my goals and my employer's goals
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May 01 2018
Is Social Media Influencing Your Interactions?

How are your interpersonal skills as you meet others face-to-face? Are you engaging? Do you develop a rapport with the other individual? Do you show a genuine interest in the person you are conversing with? Social media has become the new frontier for making connections and staying in touch with what is going on in the world. Social media outlets allow for users' experiences to be customized to share and receive information from specific individuals, businesses and organizations. Once connections are made, depending upon the source, volumes of useful information can be shared.
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Apr 01 2018
Leadership Development

In the book The Leadership Challenge, the authors, Kouzes and Posner present the idea that leadership development is self-development. They write: "Wanting to lead and believing that you can lead are the departure points on the path to leadership. Leadership is an art - a performing art - and the instrument is the self." They go on to say that exemplary leaders tend to adhere to the following best practices. Leaders:
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Apr 01 2018
Creditor-Customer Collaboration Crucial in Small Business Cash Flow Management

Starting and maintaining a small business is no easy feat. Roughly half of all start-ups fail within the first five years with only one-third of them surpassing a decade, according to 2017 data released by the U.S. Small Business Administration's Office of Advocacy. Once the doors open, the mindset of owners and operators may shift to sales and marketing, leaving cash flow management on the back-burner.
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Apr 01 2018
What is Best for the Customer is ALWAYS what is best for your Company!

Is our customer's best interest always aligned with our company's best interest? In a mutually beneficial business relationship serving your customer well will almost always yield outstanding results for your company. But what happens when the credit department is asked to ship on open terms to a customer who doesn't qualify under the credit policy for anything better than prepay terms? What happens when a customer is increasing orders at a high rate while slowing payments to vendors?
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Mar 01 2018
Strengthening the Credit and Sales Partnership

To me, the credit department and sales department have always seemed to have a love-hate relationship. I have seen the conflict that can arise between the two departments. Both departments have different jobs, functions, agendas and goals. People understand what their responsibilities and job duties are and are protective of it. This is where the conflict comes in. The sales department is willing to do whatever it takes to make the sale, all while the credit department is doing everything that it can do to protect the company from credit issues. Both departments are necessary to a company, but they do not always agree on what needs to be done.
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Mar 01 2018
Don't Sweat the Small Stuff (and it's all Small Stuff) Book Review

I have been reading the book, Don't Sweat the Small Stuff, (and it's all Small Stuff), by Richard Carson. We are reading this book as a credit department team, and I have found some extremely helpful information for both my personal and professional life contained in the pages. I have enjoyed it so much, that I have essentially read the book twice and have purchased it as an audiobook as well. In a nutshell, you have to learn to put your little struggles into perspective, and by doing so, you gain more enjoyment and appreciation of other people and life in general. The book is set up by giving the reader 100 strategies to avoid struggles. These strategies are elaborated in short essays, which makes the book an easy read.
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