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Apr 01 2016
Back Up Your KIGS

Some things never change. Since the beginning of time, credit people have suffered from what is commonly known as KIGS or KNOT IN THE GUT SYNDROME. We all know the routine. We approve an order and hold our breath
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Apr 01 2016
To Meet, or Not to Meet

That is the question! Outside a colleague's office inconspicuously taped to the wall, there is a tattered photocopied sign that reads: "Are you lonely? - Tired of working on your own? - Do you hate making decisions?" then in bold letters underneath says: "HOLD A MEETING!"
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Mar 01 2016
Every Vote Counts

As with the November elections and the value of our vote meaning something important . . . your vote this April is also very powerful. "What" you say . . . "vote this April" - what is she talking about? Just this, every member of NACM has a vote and your vote is valuable
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Mar 01 2016
12 Tips for Using Text Messaging in Business

The instant communication that text messaging provides is extremely alluring and satisfying, and texting is already becoming a standard method of communication, even in the business world. However, just as with any other form of communication, texting brings its own set of challenges.
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Mar 01 2016
Lessons Learned in Negotiations, Part 2

You may recall that last month I began to recount an instance of 'principled' negotiations that occurred between me and my tenacious, stubborn, and capricious teenage daughter. I use this illustration in part because it is still fresh in my mind but mainly due to the fact that when it comes to working out a favorable deal, she is perhaps the most difficult person to negotiate an agreement without giving in second only to Donald Trump.
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Feb 01 2016
The Battle of the Forms

Ideally, buyers and sellers will conduct transactions via signed contracts in which each agree to all relevant contract terms. In the actual course of daily business, however, the parties involved often exchange conflicting documents. Buyers issue
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Feb 01 2016
Mother Hubbard's Cupboard

In the old children's rhyme, Old Mother Hubbard couldn't find a bone for her poor starving dog because her cupboard was bare. Have you ever felt that way with old accounts that were too small to turn over to a collection agency, so you've written
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Feb 01 2016
NACM Board Election Candidate Information

Each year, three members of the NACM Board of Directors retire and three new board members are elected . . . the annual spring banquet and stockholders meeting will be held at Gardner Village the evening of April 22, 2016.
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Jan 01 2016
Observing a Customer's Facilities

Below are some suggested checklist items to use when visiting a customer's facility: 1. Prioritize. Visit the most important sites first but not necessarily the site the customer seems most inclined to have you visit. 2. Observe the impact of competition in terms of product use, amount on hand, etc. Try to ensure that you are not misled
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Jan 01 2016
Accomplishing New Year Goals

We all want to become better people. We would like to be stronger and healthier, more skilled and creative. We would like to become a better friend or family member. New Year's resolutions mean trying to do something new on a regular basis, and, if you are like me, it usually doesn't even last a month. One of the main reasons that it does not work is because
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Jan 01 2016
Fraud Prevention Seminar

IDENTITY THEFT AND PREVENTION OF TERRORISM Bunny Gooch, Intelligence Analyst/Task Force Officer, U.S. Department of Justice, Federal Bureau of Investigation was the opening speaker. Agent Gooch reported that Identity theft is the fastest growing crime in the U.S. Identity theft has surpassed narcotics in crime. It is currently estimated that meth users
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Dec 01 2015
Consider Your Credit Legacy

How are you going to go down in history? I recently had a conversation with a mentor of mine and he made the comment, "I will know I have truly done a good job, when someone I trained is one day my boss." This got me thinking about the next group of credit managers who will be or who are now entering the work force. Probably like many of us, I didn't set out with a career goal to be a Credit Manager. The reason that I have been able to be successful is due in large part to the help of good managers and mentors, along with organizations like NACM and, of course, a little bit of hard work.
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Dec 01 2015
ICEL Recap: Culture Clash - How We Win the Battle for Better Health

In our ICEL meeting for November, we were honored to hear from Dr. Steven Aldana, the author of the book Culture Clash: How We Win the Battle for Better Health. Dr. Aldana is one of the nation's foremost experts on healthy living and wellness. He spoke to us about the true cause of our poor health, which is our unhealthy culture. Our unhealthy behaviors and poor health are caused by the culture we have created and the only realistic solution to better health is to change our culture.
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Dec 01 2015
Rise in Orders Could Mean Fraud

Certainly, the primary goal in any business endeavor is to get customers to increase their orders. But this increase can also be a warning sign and another technique for spotting business credit fraud. In most credit fraud situations, the operator ultimately wants to order as much as possible. The window of opportunity for heavy ordering is often just a few months. Thus, there comes a time in almost every credit fraud when ordering increases drastically. It is simply greed. If they're going to take the business down, they can't resist doing it on a big scale. The results are orders that are out of proportion to the size of the business.
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Nov 01 2015
What Are You Doing . . . In June?

As credit professionals, we should be looking well beyond New Year's Eve. We should be asking the question, "What will I be doing June 13th to the 15th?" Yes, this is a long way out but now is the time to be asking this question to help increase the odds of participating in an important and highly informative yearly opportunity.
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Nov 01 2015
Christmas Planning

Candy Cane Corner was established to provide the less fortunate with the opportunity of selecting new toys and new clothing items for loved ones in their family. Candy Cane Corner provides a store-like environment for its "shoppers" to select "purchases" that meet the needs and interests of the recipient. Last year, Candy Cane Corner providee holiday assistance to 369 families. Plan to bring your donations on December 10th to our monthly ICEL meeting that will be held at the Red Lion Hotel.
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Nov 01 2015
Record Retention

As we approach year end, many of us start the arduous process of cleaning out files and drawers to make way for the upcoming year. The question is, what do you keep and what do you toss? While each company may/should have its own criterion for record retention, here are some general guidelines on a few of the areas that your company may need to look at.
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Oct 01 2015
Credit Managers Can Help Spot Terrorism

If a potential customer asks a lot questions or doesn't know much about the product they want to purchase, be suspicious! If it doesn't seem to be the a logical purchase for this type customer, or if they want a large quantity of product that may be used in illicit and terrorist purposes, BE CONCERNED and report it. Know your products. Be Aware. Your effort makes a difference.
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Oct 01 2015
It's How You Say It and What Is Said!

I have always enjoyed going to Credit Congress. The classes I have attended, for the most part, have always been beneficial to me and my job. One class I attended was on communications and getting results. Here are a few pointers from the class that you may enjoy and may be helpful to you every day, as they have been to me. The 3 keys to being a great leader are . . .
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Oct 01 2015
Know When to Hold 'em and Know When to Fold 'em

When making difficult credit decisions the lyrics to a famous song come to mind sung by Kenny Rogers . . . He said, "If you're gonna play the game, boy You gotta learn to play it right You've got to know when to hold 'em Know when to fold 'em Know when to walk away And know when to run
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