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Sep 01 2016
Emailing? Texting? You Are Being Judged!

As much as we hate to admit it, judgments are made about an individual simply by looking at how they present themselves. Those who acknowledge this fact of life usually confirm they try to make a favorable impression.
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Sep 01 2016
ICEL Recap: Understanding Gender Differences When Negotiating

Professor James Holbrook and Adjunct Professor Stacy Roberts, instructors of negotiation at the University Of Utah S.J. Quinney Law School, drew our attention to the difference between how the male and female brains are hardwired to
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Aug 01 2016
A Newbie's Look into Commercial Credit

During my 15 year accounting career, I've been tasked with collecting accounts receivable. It wasn't until last year that I gained a broader understanding of how that task can affect the entire company as a whole. During the last year, while
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Aug 01 2016
Best Practices of Great Leaders

NACM Credit Congress 2016 was filled with conversation, food, fun and great educational classes. As the credit management field continues to change, it is necessary that we stay up to date with what is new and what will help us build a
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Aug 01 2016
We're OK, We Have Their Check

Let's face it! . . . Bounced checks that are COD counter checks or taken on site are tough collections. Customer applies for credit ... we decline open credit and offer cash terms (CIA - COD) - so - we're OK, we have the check . . . OR . . .
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Jul 01 2016
Always Learning in Credit

Everyone has different ways to remember the five C's, but for me, the easiest way was as a stick figure. Each of his points (head, arms and legs) represent one of the five C's. First the head is
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Jul 01 2016
The Awful Six Letter Word

Change. No one lives for it yet, without it, we are progress is impossible. Quite the contradiction. The mere mention of the word can send shudders up our spine. Few individuals enjoy change yet, the reality of today's world, both business and
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Jul 01 2016
Breaking News: Education and Networking . . .

Breaking News: Education and Networking a huge value at the 120th Credit Congress. Where - Las Vegas, Nevada, Caesar's Palace Convention Center - a fabulous venue for the expansion of our minds and bellies (or maybe that was just this reporter.) Next year
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Jun 01 2016
Extending Credit - Art or Science?

By working in a credit department, decisions are made every day that impact the profitability of your business and could create a loss for your business. The basic function of the credit department is to maximize profits while mitigating risks. This is established through the company's credit policy. The policy can be administered in a variety of ways by establishing a
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Jun 01 2016
Want Your Company to Succeed? Invest in Millennials!

The millennial generation is now the nation's largest living population group. The millennials where born between approximately 1980 and 2000 and are also known as generation Y. Millennials will make up 50 percent of the workforce by 2020 and 75 percent of the workforce by 2030. Nearly 60 percent of millennials have already switched careers at least once, and most say they're
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Jun 01 2016
Good Guy - Great Company Syndrome

Oftentimes, I am in a situation where my credit fundamentals are being stretched with the Good Guy-Great Company Syndrome. By this statement I mean, "He is a good guy and he will pay us back, we just need to give him a line of credit, an increase, more time etc." And, they are a great company so why wouldn't we extend them additional credit or increase their terms, everyone else
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May 01 2016
Just Do It!

Just like the rest of you, I grew up aspiring to be a credit professional, so you can just imagine the level of excitement when I was offered a job in credit! Let's back up . . . I moved here 4 1/2 years ago and was offered a job with a great company with great benefits, fabulous work environment etc . . . the only catch was it was for a "credit clerk." My background was primarily accounting and office management but what the heck, I needed a job!
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May 01 2016
Credit Travel Made Easier

I have been associated with NACM for over 20 years. Quite honestly, it is hard to believe that so many years have passed. It seems like yesterday I was directed by a past manager to attend an industry trade group meeting. I was a young and very inexperienced credit manager who was reliant upon receiving direction from my boss.
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May 01 2016
Here's Your Sign . . .

Years ago, I was in Vegas for work and one of the evenings I attended an event where Bill Engvall performed. One of the lines he is famous for is "Here's your sign!" Recently, I noticed some "signs" but failed to heed the warnings and the situation came back to bite me. Here are some signs of a customer who may be going down in flames:
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Apr 01 2016
Hard Jobs Made Easier

In the twenty plus years that I have been in credit one thing has remained constant. Our jobs are hard! No matter the industry, no matter how seasoned or new we are to credit, our jobs are hard. Sure, some of us have the benefit of great owners, bosses and coworkers but at the end of the day no one can understand us better than our peers, which is why we are so lucky
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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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