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    How to Gain Respect and Support for Yourself and Your Business
    "He that respects himself is safe from others; he wears a coat of mail that none can pierce" - Henry Wadsworth Longfellow.To gain respect from others, you have to respect yourself first. People will give you their undying respect as long as they recognise that you portray these 3 key attrib-utes: trustworthiness, integrity and mindfulness. Because having these qualities demonstrates your level of consciousness and maturity.When people respect you, it is easier to get their support. Getting people to give you continuous support, also requires you to apply yourself. Here are ways to help you make an impact on people whom you want respect and support from.1. Be exuberant and passionate about what you do and your life People love those who exude vibrancy and passion about their life, particularly about what they do. Think of this: how stimulating do you find people who are forever talking about their "big ideas" and what they want to do and yet, never starting anything? Now that's a damper!2. Be unique and individualistic in your views and opinions Are you unique and stand out with your own style and personality? If you are afraid to voice your opinion, and would rather fit in, I can assure you that it will be difficult to command respect from others. And without respect, no support. This doesn't mean that you have to constantly come up with new innovations. It simply implies that you don't suck up to people, just because you want validation. The best validation is to be true to yourself.3. Be a great listener. All great listeners are magnetic and charismatic. There is no charm that equals that of a good listener. Here is an experience I had in a restaurant with my husband not too long ago. I noticed that my husband was fascinated by a woman sitting a few tables way from us.When I asked him what got him so fascinated about her. He replied that the woman was just fascinating to watch, because she was listening so intently to her partner. Her eyes were on him, as she leaned forward, giving him her feedback, and at the same time not interrupting him. While she let him know that she was hearing him, she also held up her end of the conversation.Then my husband said something remarkable: "She's the kind of woman I normally wouldn't pay attention to on the street, but while sitting there, listening and being interested the way she's doing now, makes her attractive." True listening embodies careful attention, patience and honestly wanting to understand what the other person is saying. It also fosters good relationship.4. Be a life long student. Let people know that you're willing to learn from them and be genuine about it. Learning is growing, and growing is learning. You cannot learn all by yourself. To truly grow, you need others along the way. And when you show people your willingness and enthusiasm to learn from them, you'll be amazed how he
    ollect, charges forward or charges collect also have the same meaning.

    Collect on Delivery - (C.O.D.):
    A transportation service under which the purchase price of the goods is collected by the carrier from the receiver at the time of delivery, and subsequently, payment is transmitted by the carrier to the shipper. Carriers charge a nominal fee for this service. As the term COD implies, payment is due upon delivery. There are no credit provisions in COD service.

    Commercial Invoice:
    Shipper's documentation describing the goods and their value which must accompany all international and transborder shipments

    Commodity Code:
    A system for identifying a given commodity by a number as a means of facilitating, for example, the application of computerization to freight transportation.

    Conditions of Contract:
    The terms and conditions established by the air carriers for the carriage of goods. These conditions are printed on the Air Waybill and include such items as limits of liability, claims limitations, indemnity and dimensional weight rules.

    Connection Time:
    Allowable published time to connect cargo from one flight to another

    Consignee:
    The receiver of a shipment, or to whom the shipment is consigned

    Consignment:
    Shipment of one or more pieces of property, accepted by the carrier from one shipper, receipted for in one lot, and moved on one Air Waybill, to one consignee at one destination.

    Consular Invoice:
    A document required by some foreign countries, describing a shipme

    Micro Business and Banking
    Micro businesses with no employees, or between one and nine employees, accounted for 94.6% of all UK businesses in 2001, 29% of employment and 21.2% of turnover. Approximately 3.1 million people were self-employed in 2002, according to Social Trends 33, 2003. An additional 1.35 million people have some income, or losses, from self-employment. Self-employed men outnumber women by nearly three to one. The proportion of self-employed in the working population has fallen since 1987.Around 20% of the UK’s self-employed work in the construction industry. Between 13% and 14% are involved in diverse business activities, around 7% work in recreation, culture and sport, and a further 7% in health and social work.Nearly three-quarters of the self-employed had a self-employment income of less than ?15,000 in 2000/2001. NatWest is fully aware of the problem of low income in self-employment and hopes its business managers will help customers to develop their businesses and increase their profits. In December 2001, the Competition Commission reported on banking services for business and accused the banks of failing to offer good value competitive services to small businesses. The banks have responded with improvements to their services for business and now cater much better for micro businesses.KEY FINANCIAL SERVICES Approximately 1.5 million people use personal bank accounts for their business activities, and fewer than half of new entrepreneurs open a business account for their start-up enterprise. 52% of self-employed men and 70% of self-employed women were not in a pension scheme in 2000/2001.Self-certified and flexible mortgages and offset accounts have revolutionised the capacity of the self-employed to borrow for their home and business. Designated business loans and grants are hard to obtain, especially for new small businesses. Government support is targeted on disadvantaged geographical areas.Employer’s liability, professional liability and other protection insurances are high-cost because of rising litigation costs. Liability cover is often prohibitively expensive for the self-employed in risky occupations such as roofing and scaffolding. Critical illness cover is costly because of medical advances resulting in rising longevity. Lack of affordable insurance is a significant barrier to the creation and expansion of micro businesses. Invoice finance, which involves factoring or invoice discounting, has few customers among micro businesses but offers good potential for improving cash flow for businesses turning over at least ?50,000.COMPANY DEVELOPMENTS Abbey National offers free banking for small businesses. Alliance & Leicester’s Commercial Bank also offers a free banking account. Barclays Clearlybusiness service offers useful information and support to new businesses. Bank of Scotland’s Smartfinance is a relevant offset product that cuts the costs of borrowing. HSBC relies o
    AWB:
    Air Waybill

    Accessorial Services/Fees:
    Services provided by an airline in addition to the normal transportation service. These charges are not included in the basic weight rate charge.

    Common accessorial services include:
    advancement of charges, pick-up, delivery, C.O.D. service, signature service, storage, demurrage, and loading/unloading.

    Account Number:
    A specific number assigned by any airline, to an approved customer, used for billing and other computerized functions.

    Actual Weight:
    What the shipment actually weighs on a scale.

    Advance Arrangements:
    The shipper must make arrangements with the carrier prior to the intended date of shipping. See Booking.

    Advancement of Charges:
    A service under which airlines, in some instances, pay incidental charges arising before or after airhaul. Examples would include cartage and warehousing costs. These charges can be paid in advance for the convenience of either the Shipper or Consignee.

    Agent (IATA):
    A forwarder, agent or broker who is recognized and approved by IATA, appointed by a carrier and authorized by the respective carrier to receive and prepare shipments and to collect charges. See Cargo Sales Agent.

    Air Freight:
    The goods for transport in any volume, and the type of service airlines provide to transport the goods. The term most commonly used is Cargo.

    Air Freight Forwarder:
    See Freight Forwarder

    Air Waybill:
    Shipping document used by the airlines for air freight. It is a contract for carriage between shipper and carrier covering Intra-US and international transportation of cargo to a specified destination. It includes carrier conditions of carriage highlighting such items as limits of liability and claims procedures. The Air Waybill also contains specific shipping instructions to airlines, a description of the commodity, and applicable transportation charges. Air Waybills are not negotiable.

    Airbill:
    See Air Waybill

    Aircraft:
    Most commonly used term for airplane. See Equipment.

    Airport-to-Airport:
    From one airport facility to another airport facility. (No pick-up/delivery service applies.)

    Allotment:
    A blocked space by airlines, on behalf of forwarders / shippers.

    Articles of Extraordinary Value - (AEV):
    Commodities identified as high-value items that require advance arrangements and special handling.

    Assembly Service:
    A service by which an airline assembles shipments from one or many shippers and transports them as one shipment (not necessarily at one time or flight) to one Consignee.

    Astray:
    Cargo that is traveling without paperwork or on paperwork in place of the original

    ATA:
    Actual Time of Arrival, or Airport-To-Airport Attractive Merchandise:
    Commodities such as cameras, radios, electronic equipment, etc., that are handled as high-value shipments but not rated the same.

    Backhaul:
    To move a shipment back over part of a route already traveled.

    Banded/Banding:
    Cargo wrapped and/or secured with metal or plastic strips

    Bank Release:
    An import shipment requiring notification and release from a bank or in care of a bank. The release must be on the bank's stationary and must be an original copy. Photocopies, fax, and phone calls are not acceptable. Also see Letter Of Credit

    Belly or Belly Pits:
    Compartments located beneath the passenger deck used for cargo, baggage storage and mail.

    Bill of Lading:
    A document by which a carrier acknowledges receipts of goods and contracts to move them. The Air Waybill is a form of bill of lading. See Air Waybill.

    Bonded Carrier/Trucker:
    A firm that has posted bond with the government and is licensed to carry and hold in their facilities' goods that have not been granted a clearance by countries' Customs Authorities.

    Booking:
    A shipper has prearranged cargo space on a specific flight(s) creating a booking, or reservation. See Advanced Arrangements.

    Broker (Customs):
    A person or firm licensed by the Customs Authorities to transact business with customs on behalf of importers for a fee. See Customshouse Brokers

    C.O.D.:
    Collect on Delivery

    C.O.D. Fee:
    The fee charged for collecting the COD amount for the shipper.

    CWT:
    Hundred weight

    Cargo:
    The goods for transport in any volume, and the type of service airlines provide to transport the goods. Exceptions:
    (a) Mail or other property under the terms of an international postal convention. (b) Baggage carried under a passenger ticket and baggage check. Unaccompanied baggage moving under an Air Waybill is cargo. See Air Freight.

    Cargo Sales Agent:
    An agent appointed by IATA to solicit and process international cargo for shippers. IATA Cargo Sales Agents are paid commissions by the airlines without added cost to the shipper or consignee. See Agent IATA

    Cargo Transfer:
    Cargo arriving at a point by one carrier and continuing its journey through another carrier. See Interline.

    Carnet (ATA Carnet):
    A document issued by Chambers of Commerce, permitting the holder to carry or send merchandise temporarily into certain foreign countries (for display, demonstration, or similar purposes) without paying duties or posting bonds.

    Carrier:
    A term synonymous with airline. Each airline is a carrier of passengers and cargo.

    Carrier Certificate:
    A document prepared by the Carrier containing the master Air Waybill number, house Air Waybill number, flight number and date the shipment arrived and the storage date. The consignee/broker needs this information in order to clear customs.

    Certificate of Origin:
    A document to prove the place of origin for specified goods, required by certain foreign countries for tariff purposes.

    CNEE:
    Consignee

    Co-Loader:
    The participants in a consolidation other than the master loader. Each provides all the documentation required for their shipment to the master loader. See Consolidation, MAWB, HAWB, Master Loader.

    Collect Charges:
    Charges entered on the Air Waybill for collection from the consignee. Freight collect, charges forward or charges collect also have the same meaning.

    Collect on Delivery - (C.O.D.):
    A transportation service under which the purchase price of the goods is collected by the carrier from the receiver at the time of delivery, and subsequently, payment is transmitted by the carrier to the shipper. Carriers charge a nominal fee for this service. As the term COD implies, payment is due upon delivery. There are no credit provisions in COD service.

    Commercial Invoice:
    Shipper's documentation describing the goods and their value which must accompany all international and transborder shipments

    Commodity Code:
    A system for identifying a given commodity by a number as a means of facilitating, for example, the application of computerization to freight transportation.

    Conditions of Contract:
    The terms and conditions established by the air carriers for the carriage of goods. These conditions are printed on the Air Waybill and include such items as limits of liability, claims limitations, indemnity and dimensional weight rules.

    Connection Time:
    Allowable published time to connect cargo from one flight to another

    Consignee:
    The receiver of a shipment, or to whom the shipment is consigned

    Consignment:
    Shipment of one or more pieces of property, accepted by the carrier from one shipper, receipted for in one lot, and moved on one Air Waybill, to one consignee at one destination.

    Consular Invoice:
    A document required by some foreign countries, describing a shipmen

    How To Start Up And Operate Your Own Home Typing Service
    A home typing service is an ideal venture to get into on a part-time basis. While it won’t make you a millionaire, you can expect a few hundred dollars per month. I’m sure you could use that. However, if you are fast and good at it, you will find plenty of business coming your way from referrals and recommendations and your monthly income could very well skyrocket, making it a great home business idea.There are thousands of typing possibilities and even more people looking for the services of a typing agency. Typing requests will come from business people, doctors, lawyers, authors, students and even job seekers. Some possible typing jobs may include resumes, sales letters, flyers, lawyers letters, student assignments, announcements, manuscripts, newsletters, etc.What’s RequiredIn order to be successful in this home business concept, you need to obviously be able to type quite well. You don’t have to be a fast typist but rather a meticulous and professional one. You need to be dependable and finish typing assignments on time.You obviously need to have a reliable computer and printer. An excellent word processing program like Word or similar is required. As the output quality of your finished assignment is crucial to your success, you might want to ensure that you have a printer that is capable of high-quality printing.Demarcate a section in your home as your “office”. You might consider keeping your clients’ documents to be typed in a secure, preferably lock-up drawer or cupboard. This will ensure that it is out of reach from kids, your pets, prying visitors or your cleaning lady who might accidentally mistake it for garbage and discard it.Depending on where you live, you might need to get a business license to operate from home. This requirement will vary from state to state, town to town, country to country. As this article will probably be read by people from all over the world, I would not be able to advise here except to say that you should consult your nearest trade office for direction.Getting StartedOnce your home office is ready, it is time to spread the word around about your new typing service. You should start with having business cards made and pass around to places like doctors’ rooms, libraries, hospitals, etc. A great idea is to make up small posters and pin them up on bulletin boards in shopping centers, community centers, message boards on campuses and colleges nearby. Any high foot traffic area is also recommended.You may consider placing a few classified ads in your local papers. One such ad may look like this:Ally’s Typing Service. All kinds of typing done professionally at reasonable rates. Quick and reliable. Tel: xxxxxxxxxYou may also consider advertising in the Yellow Pages. This is an advertising opportunity that works very well in this type of field.PricingYour rates will normally be based on a per hou
    t for carriage between shipper and carrier covering Intra-US and international transportation of cargo to a specified destination. It includes carrier conditions of carriage highlighting such items as limits of liability and claims procedures. The Air Waybill also contains specific shipping instructions to airlines, a description of the commodity, and applicable transportation charges. Air Waybills are not negotiable.

    Airbill:
    See Air Waybill

    Aircraft:
    Most commonly used term for airplane. See Equipment.

    Airport-to-Airport:
    From one airport facility to another airport facility. (No pick-up/delivery service applies.)

    Allotment:
    A blocked space by airlines, on behalf of forwarders / shippers.

    Articles of Extraordinary Value - (AEV):
    Commodities identified as high-value items that require advance arrangements and special handling.

    Assembly Service:
    A service by which an airline assembles shipments from one or many shippers and transports them as one shipment (not necessarily at one time or flight) to one Consignee.

    Astray:
    Cargo that is traveling without paperwork or on paperwork in place of the original

    ATA:
    Actual Time of Arrival, or Airport-To-Airport Attractive Merchandise:
    Commodities such as cameras, radios, electronic equipment, etc., that are handled as high-value shipments but not rated the same.

    Backhaul:
    To move a shipment back over part of a route already traveled.

    Banded/Banding:
    Cargo wrapped and/or secured with metal or plastic strips

    Bank Release:
    An import shipment requiring notification and release from a bank or in care of a bank. The release must be on the bank's stationary and must be an original copy. Photocopies, fax, and phone calls are not acceptable. Also see Letter Of Credit

    Belly or Belly Pits:
    Compartments located beneath the passenger deck used for cargo, baggage storage and mail.

    Bill of Lading:
    A document by which a carrier acknowledges receipts of goods and contracts to move them. The Air Waybill is a form of bill of lading. See Air Waybill.

    Bonded Carrier/Trucker:
    A firm that has posted bond with the government and is licensed to carry and hold in their facilities' goods that have not been granted a clearance by countries' Customs Authorities.

    Booking:
    A shipper has prearranged cargo space on a specific flight(s) creating a booking, or reservation. See Advanced Arrangements.

    Broker (Customs):
    A person or firm licensed by the Customs Authorities to transact business with customs on behalf of importers for a fee. See Customshouse Brokers

    C.O.D.:
    Collect on Delivery

    C.O.D. Fee:
    The fee charged for collecting the COD amount for the shipper.

    CWT:
    Hundred weight

    Cargo:
    The goods for transport in any volume, and the type of service airlines provide to transport the goods. Exceptions:
    (a) Mail or other property under the terms of an international postal convention. (b) Baggage carried under a passenger ticket and baggage check. Unaccompanied baggage moving under an Air Waybill is cargo. See Air Freight.

    Cargo Sales Agent:
    An agent appointed by IATA to solicit and process international cargo for shippers. IATA Cargo Sales Agents are paid commissions by the airlines without added cost to the shipper or consignee. See Agent IATA

    Cargo Transfer:
    Cargo arriving at a point by one carrier and continuing its journey through another carrier. See Interline.

    Carnet (ATA Carnet):
    A document issued by Chambers of Commerce, permitting the holder to carry or send merchandise temporarily into certain foreign countries (for display, demonstration, or similar purposes) without paying duties or posting bonds.

    Carrier:
    A term synonymous with airline. Each airline is a carrier of passengers and cargo.

    Carrier Certificate:
    A document prepared by the Carrier containing the master Air Waybill number, house Air Waybill number, flight number and date the shipment arrived and the storage date. The consignee/broker needs this information in order to clear customs.

    Certificate of Origin:
    A document to prove the place of origin for specified goods, required by certain foreign countries for tariff purposes.

    CNEE:
    Consignee

    Co-Loader:
    The participants in a consolidation other than the master loader. Each provides all the documentation required for their shipment to the master loader. See Consolidation, MAWB, HAWB, Master Loader.

    Collect Charges:
    Charges entered on the Air Waybill for collection from the consignee. Freight collect, charges forward or charges collect also have the same meaning.

    Collect on Delivery - (C.O.D.):
    A transportation service under which the purchase price of the goods is collected by the carrier from the receiver at the time of delivery, and subsequently, payment is transmitted by the carrier to the shipper. Carriers charge a nominal fee for this service. As the term COD implies, payment is due upon delivery. There are no credit provisions in COD service.

    Commercial Invoice:
    Shipper's documentation describing the goods and their value which must accompany all international and transborder shipments

    Commodity Code:
    A system for identifying a given commodity by a number as a means of facilitating, for example, the application of computerization to freight transportation.

    Conditions of Contract:
    The terms and conditions established by the air carriers for the carriage of goods. These conditions are printed on the Air Waybill and include such items as limits of liability, claims limitations, indemnity and dimensional weight rules.

    Connection Time:
    Allowable published time to connect cargo from one flight to another

    Consignee:
    The receiver of a shipment, or to whom the shipment is consigned

    Consignment:
    Shipment of one or more pieces of property, accepted by the carrier from one shipper, receipted for in one lot, and moved on one Air Waybill, to one consignee at one destination.

    Consular Invoice:
    A document required by some foreign countries, describing a shipme

    Medical Billing - Data Problems
    About 98% of all the work done inside of a medical billing program involves data entry. Medical billing databases can reach massive proportions. A company with thousands of clients can have databases that are tens of gigabytes in size. Unfortunately, as databases grow, so do the problems. We'll discuss some of the more common data entry and database problems and how to fix them or even avoid them, when possible.One of the main causes of database problems is with the data entry personnel themselves. Each database program has a certain level of tolerance. Some are more tolerant than others. Those that are less forgiving can come to an abrupt halt when a data entry person types in data that is invalid. We're not talking about typing in a wrong address. We're talking about typing in alphanumeric characters in a numeric field. Most well made programs won't allow this to happen. But the ones that do invite serious trouble because this invalid data can corrupt a database, especially if it happens often. At the very least, the program reading the data will get so confused that it will cease to operate correctly.The best way to avoid this problem is to train data entry personnel properly. Of course, it helps to spend the few extra bucks to get a program that is more forgiving of invalid data or, better yet, a program that won't allow it to happen.Another common and more serious problem is the size of the database. As was mentioned above, large companies can have databases that are very large, especially if they are dealing with thousands of patients. Most programs will have a separate database for patient files, doctor files and so on. So getting a good program is the first step to avoid problems. The reason a large database becomes a problem is because as data increases, along the way, data is also deleted and modified. This constant process causes the database to become unstable. Compressing it often, if the software has that option, is one way to prevent this from happening. Another thing you can do is break up your patient and other files. Maybe have all patients A to M in one database and all N to Z patients in another. Most software programs will give you a way to do this.Another cause of data problems is the hard drive itself. As this drive is constantly being written to, over time, it will begin to wear down. Eventually it will start to lose data. When this happens, the integrity of your database will begin to deteriorate. Bad network connections will also cause data to be written poorly. This will also cause the data to corrupt.By running regular backups, doing maintenance on your equipment, keeping the data entry process simple and by doing what you can to lighten the load on each database, you'll be doing all that you can to prevent your database from turning into dust. The extra work, in the long run, will be more than worth it.
    stic strips

    Bank Release:
    An import shipment requiring notification and release from a bank or in care of a bank. The release must be on the bank's stationary and must be an original copy. Photocopies, fax, and phone calls are not acceptable. Also see Letter Of Credit

    Belly or Belly Pits:
    Compartments located beneath the passenger deck used for cargo, baggage storage and mail.

    Bill of Lading:
    A document by which a carrier acknowledges receipts of goods and contracts to move them. The Air Waybill is a form of bill of lading. See Air Waybill.

    Bonded Carrier/Trucker:
    A firm that has posted bond with the government and is licensed to carry and hold in their facilities' goods that have not been granted a clearance by countries' Customs Authorities.

    Booking:
    A shipper has prearranged cargo space on a specific flight(s) creating a booking, or reservation. See Advanced Arrangements.

    Broker (Customs):
    A person or firm licensed by the Customs Authorities to transact business with customs on behalf of importers for a fee. See Customshouse Brokers

    C.O.D.:
    Collect on Delivery

    C.O.D. Fee:
    The fee charged for collecting the COD amount for the shipper.

    CWT:
    Hundred weight

    Cargo:
    The goods for transport in any volume, and the type of service airlines provide to transport the goods. Exceptions:
    (a) Mail or other property under the terms of an international postal convention. (b) Baggage carried under a passenger ticket and baggage check. Unaccompanied baggage moving under an Air Waybill is cargo. See Air Freight.

    Cargo Sales Agent:
    An agent appointed by IATA to solicit and process international cargo for shippers. IATA Cargo Sales Agents are paid commissions by the airlines without added cost to the shipper or consignee. See Agent IATA

    Cargo Transfer:
    Cargo arriving at a point by one carrier and continuing its journey through another carrier. See Interline.

    Carnet (ATA Carnet):
    A document issued by Chambers of Commerce, permitting the holder to carry or send merchandise temporarily into certain foreign countries (for display, demonstration, or similar purposes) without paying duties or posting bonds.

    Carrier:
    A term synonymous with airline. Each airline is a carrier of passengers and cargo.

    Carrier Certificate:
    A document prepared by the Carrier containing the master Air Waybill number, house Air Waybill number, flight number and date the shipment arrived and the storage date. The consignee/broker needs this information in order to clear customs.

    Certificate of Origin:
    A document to prove the place of origin for specified goods, required by certain foreign countries for tariff purposes.

    CNEE:
    Consignee

    Co-Loader:
    The participants in a consolidation other than the master loader. Each provides all the documentation required for their shipment to the master loader. See Consolidation, MAWB, HAWB, Master Loader.

    Collect Charges:
    Charges entered on the Air Waybill for collection from the consignee. Freight collect, charges forward or charges collect also have the same meaning.

    Collect on Delivery - (C.O.D.):
    A transportation service under which the purchase price of the goods is collected by the carrier from the receiver at the time of delivery, and subsequently, payment is transmitted by the carrier to the shipper. Carriers charge a nominal fee for this service. As the term COD implies, payment is due upon delivery. There are no credit provisions in COD service.

    Commercial Invoice:
    Shipper's documentation describing the goods and their value which must accompany all international and transborder shipments

    Commodity Code:
    A system for identifying a given commodity by a number as a means of facilitating, for example, the application of computerization to freight transportation.

    Conditions of Contract:
    The terms and conditions established by the air carriers for the carriage of goods. These conditions are printed on the Air Waybill and include such items as limits of liability, claims limitations, indemnity and dimensional weight rules.

    Connection Time:
    Allowable published time to connect cargo from one flight to another

    Consignee:
    The receiver of a shipment, or to whom the shipment is consigned

    Consignment:
    Shipment of one or more pieces of property, accepted by the carrier from one shipper, receipted for in one lot, and moved on one Air Waybill, to one consignee at one destination.

    Consular Invoice:
    A document required by some foreign countries, describing a shipme

    Living Proof of The Joint Venture Mindset
    Frank Schroeder was one of the most successful insurance salesmen I ever met. He owned two Porches and two sets of electric drums and lived like a king. We did some business together and I asked him what the secret to his success was. And at this point I must digress. I have sold insurance very successfully in Canada and in South Africa. I no longer sell insurance; I specialize in Joint Ventures. But I have found very few insurance salespeople who share Frank’s philosophy or his success. Many of them have very strange labels and titles that they have concocted for themselves in order to disguise the fact that they sell insurance, yet they should be proud of their important work. And they are so focused on selling that they are proof of the self-fulfilling prophecy syndrome. But let us not waste time discussing what we should not do.Frank was living proof of the power of what I call “The Joint Venture Mindset”. As far as I can recall, I will try to put his approach in his own words: “Robin, I always tell people right up front that I sell insurance. That builds trust and credibility right away. And I NEVER try to sell anything on the first visit, or even the second visit. In fact, I often don’t ever try to sell insurance – they ASK to buy! Why? Well, I focus on finding out all about my prospect. I ask many questions, make copious notes and make it my business to try and help them in any way I can, either by giving them referrals, advice or contacts, but this has nothing to do with insurance.The more I work on building value and helping them, the more interest I show, the more they open up and share. I find out all about their hopes, dreams fears, failures, successes, beliefs and hobbies. I share things about myself. I build relationship. I help. I care. And you know what, Robin? THEY bring up the insurance subject and they buy. I never have to sell. I never have to close. I give them information and solve their problems. I don’t use jargon and I don’t play games. You know me – what you see is what you get. If I don’t feel comfortable with the prospect, I leave and I won’t sell them insurance. If they don’t need insurance, I won’t sell them any. And I have more referrals than I can handle. I forget about what I want and myself and I prove myself a friend.”That’s why we started the Joint Venture Forum – our members share this mindset and work on relationships and problem solving. They don’t focus on selling and they know that they can do business outside of their chosen field. And they are very selective whom they choose to work with. Together, we can do amazing things!
    gage moving under an Air Waybill is cargo. See Air Freight.

    Cargo Sales Agent:
    An agent appointed by IATA to solicit and process international cargo for shippers. IATA Cargo Sales Agents are paid commissions by the airlines without added cost to the shipper or consignee. See Agent IATA

    Cargo Transfer:
    Cargo arriving at a point by one carrier and continuing its journey through another carrier. See Interline.

    Carnet (ATA Carnet):
    A document issued by Chambers of Commerce, permitting the holder to carry or send merchandise temporarily into certain foreign countries (for display, demonstration, or similar purposes) without paying duties or posting bonds.

    Carrier:
    A term synonymous with airline. Each airline is a carrier of passengers and cargo.

    Carrier Certificate:
    A document prepared by the Carrier containing the master Air Waybill number, house Air Waybill number, flight number and date the shipment arrived and the storage date. The consignee/broker needs this information in order to clear customs.

    Certificate of Origin:
    A document to prove the place of origin for specified goods, required by certain foreign countries for tariff purposes.

    CNEE:
    Consignee

    Co-Loader:
    The participants in a consolidation other than the master loader. Each provides all the documentation required for their shipment to the master loader. See Consolidation, MAWB, HAWB, Master Loader.

    Collect Charges:
    Charges entered on the Air Waybill for collection from the consignee. Freight collect, charges forward or charges collect also have the same meaning.

    Collect on Delivery - (C.O.D.):
    A transportation service under which the purchase price of the goods is collected by the carrier from the receiver at the time of delivery, and subsequently, payment is transmitted by the carrier to the shipper. Carriers charge a nominal fee for this service. As the term COD implies, payment is due upon delivery. There are no credit provisions in COD service.

    Commercial Invoice:
    Shipper's documentation describing the goods and their value which must accompany all international and transborder shipments

    Commodity Code:
    A system for identifying a given commodity by a number as a means of facilitating, for example, the application of computerization to freight transportation.

    Conditions of Contract:
    The terms and conditions established by the air carriers for the carriage of goods. These conditions are printed on the Air Waybill and include such items as limits of liability, claims limitations, indemnity and dimensional weight rules.

    Connection Time:
    Allowable published time to connect cargo from one flight to another

    Consignee:
    The receiver of a shipment, or to whom the shipment is consigned

    Consignment:
    Shipment of one or more pieces of property, accepted by the carrier from one shipper, receipted for in one lot, and moved on one Air Waybill, to one consignee at one destination.

    Consular Invoice:
    A document required by some foreign countries, describing a shipme

    5 Steps to Preventing Workplace Violence
    According to the Bureau of Labor Statistics 95% of the 7.1 million U.S. employers reported at least one act of some type of workplace violence in 2006. These acts may include anything from assault, armed robbery to even homicide. With the recent bloodbath at Virginia Tech, where two professors died, and another homicide at Delphi in Michigan many managers and business owners wonder what they can do to reduce the chance of violence in their workplace.The reasons why a business owner or manager may desire to change their business strategy to protect their employees is many. These reasons range from the obvious to such as protecting human life to the not so obvious such as protecting your business assets. One fatal death that could have been prevented by an employer could bankrupt your company. Prevention is the biggest deterrent.1.) Take as much cash out of the process as possible: Robbery is one type of workplace violence. By regularly removing cash and depositing it in a safe location there is less attractiveness in robbery. Debit card and credit card use could be implemented instead of cash.2.) Physical Separation from the Public: In high risk areas such as urban ghettos and the desolate countryside it may be necessary to separate workers from the public. This can be done through bulletproof glass, security systems that slam up a protective barrier and locking of backdoors.3.) Make it likely they will get caught: By installing lights, noise & light alarm systems, instant notification to authorities and cameras you are increasing both the chances that the perpetrator will get caught and that he/she will not engage in a violent act. A perpetrator knowing that he/she will become responsible for their actions is a deterrent.4.) Background checks: In many positions violence may come from other co-workers. In such cases many times a violent criminal is unknowingly hired because a background check has not been conducted. The typical cost of such a check is anywhere from $25 to $75 and is well worth its price in terms of asset and employee protection.5.) Workplace Policy: One of the best ways to protect your business from the aftermath of violence is to write a policy that has a 0 tolerance for “violent acts, suicide, threats, weapons, etc.). Terminate anyone who violates this policy. These policies will work in conjunction with sexual harassment, workplace harassment, equal opportunity, etc. policies. Many “would be” perpetrators will break these policies long before they resort to violence.
    ollect, charges forward or charges collect also have the same meaning.

    Collect on Delivery - (C.O.D.):
    A transportation service under which the purchase price of the goods is collected by the carrier from the receiver at the time of delivery, and subsequently, payment is transmitted by the carrier to the shipper. Carriers charge a nominal fee for this service. As the term COD implies, payment is due upon delivery. There are no credit provisions in COD service.

    Commercial Invoice:
    Shipper's documentation describing the goods and their value which must accompany all international and transborder shipments

    Commodity Code:
    A system for identifying a given commodity by a number as a means of facilitating, for example, the application of computerization to freight transportation.

    Conditions of Contract:
    The terms and conditions established by the air carriers for the carriage of goods. These conditions are printed on the Air Waybill and include such items as limits of liability, claims limitations, indemnity and dimensional weight rules.

    Connection Time:
    Allowable published time to connect cargo from one flight to another

    Consignee:
    The receiver of a shipment, or to whom the shipment is consigned

    Consignment:
    Shipment of one or more pieces of property, accepted by the carrier from one shipper, receipted for in one lot, and moved on one Air Waybill, to one consignee at one destination.

    Consular Invoice:
    A document required by some foreign countries, describing a shipment of goods and showing information of the shipment. It is certified by a consular official of the foreign country. It is used by the country's customs officials to verify the value, quantity and nature of the shipment.

    Container:
    A shipping device, airline provided or shipper provided, allowing a convenient and lower cost method of shipping. See ULD - Unit Load Device.

    Containerization:
    The use of box-like or other unit load devices (ULD) in which a number of packages are stored, protected, and handled as a unit in transit. See Container and ULD.

    Conversion Rate:
    The rate used to convert one currency to another. See Exchange Rate and Rate of Exchange. Customs:
    A government authority designated to regulate flow of goods to and from a country and to collect duties levied by a country on imports and exports. The term also applies to the procedures involved in such collections.

    Customs Airport:
    Designated airports in each country which have customs facilities.

    Customs Clearance:
    A shipment must clear customs when it enters any country from another.

    Customs Declaration:
    A statement, oral or written, attesting to the correctness of description, quantity, value, etc., of merchandise offered for importation into the U.S.

    Customhouse Broker:
    A broker who is licensed by the Customs Authorities to act for importers and other businessmen in handling the sequence of customs formalities and other details attendant to the legal and expeditious importing of goods.

    Dangerous Goods:
    Articles or substances which are capable of posting a significant risk to health, safety, or property when transported by air if not packaged according to federal regulations.

    Declared Value for Carriage:
    The value of goods declared to the carrier by the shipper for the purposes of determining charges or establishing the limit of the carrier's liability for loss, damage, or delay.

    Declared Value for Customs:
    The selling price of the contents or the replacement cost if the contents are not for resale. The amount must be equal to or greater than the declared value.

    Delivery Authorization Document - (DAD):
    A customs term for a 7512 (I.T.) or a 3461 (Clearance) or a straight Air Waybill stamped by customs.

    Department of Transportation - (DOT):
    An executive department of the U.S. Government established by the Department of Transportation Act of 1966 for the purpose of developing national transportation policies.

    Destination:
    The final stop of cargo that is being transported. Sometimes referred to as the final destination. exists.

    Diversion:
    Landing at a location other than the planned destination

    Documentation:
    The required paperwork accompanying a shipment such as an Air Waybill, a health certificate, invoices, shipper's export declaration, etc. Dolly:
    A piece of equipment with wheels, used to move containers and pallets to/from the aircraft

    Door-To-Door:
    Used when pick-up and delivery service applies.

    Drop-Off:
    Shipper delivers shipment(s) to the Air carrier for transportation. See Tender

    Drop Time:
    A published time frame at each airport city when the shipper must drop off cargo prior to flight departure

    Duty:
    A tax imposed on imports by the customs authority of a country. Duties are generally based on the value of goods, other factors such as weight or quantity limits, or a combination of value and other factors

    ETA:
    Estimated Time of Arrival

    ETD:
    Estimated Time of Departure

    Embargo:
    Temporary refusal to accept cargo for transportation at certain points or in certain routes due to the type or class of cargo, limitations of facilities, emergencies, or other abnormal circumstances.

    Equipment:
    Used in the airline industry referring to aircraft or aircraft type, i.e., DC-10, B-727, etc.

    Escorts:
    People accompanying shipments on the same aircraft

    Estimated Time of Arrival - (ETA):
    The time at which a flight is expected to arrive as determined by operating conditions. It can differ from the scheduled time of arrival.

    Estimate Time of Departure - (ETD):
    The time at which a flight is expected to depart as determined by operating conditions. It can differ from the scheduled time of departure.

    Exception Ratings:
    Rates set at a certain percentage above the general commodity rates because they apply to commodities that require special handling, such as live animals and human remains. See Class Rate and Premium Rate

    Excess Value:
    The amount of declared value on a shipment that is over the carrier's liability

    Exchange Rate:
    The price of one currency in terms of another

    Exclusive Truck:
    A shuttle truck that operates exclusively for an airline

    Export:
    To send or transport shipments out of a country for sale or use in another country or for personal purposes.

    Export Broker:
    An individual or firm that brings together buyers and sellers for a fee, but does not take part in actual sales transactions.

    Export License:
    A government document that permits the licensee (holder of license) to engage in the export of designated goods to specific destinations.

    Firms Code:
    A customs location code issued for each bonded warehouse or facility.

    Flatbed Truck:
    A shuttle truck that does not have an enclosed trailer

    Forwarder:
    See Freight Forwarder. Free domicile:
    A term used in international transportation where the shipper pays all transportation charges and any applicable duties and/or taxes.

    Freight Forwarder:
    Serves a dual role. To the airlines, the freight forwarder is a shipper. To their customers, the freight forwarder is an indirect carrier or agent. The freight forwarder receives freight from customers under his own tariff, usually consolidating it into larger shipments, prepares necessary documents and makes arrangements for moving freight.

    Freighter:
    An aircraft that carries cargo only, rather than the combination of passengers and cargo

    GBL:
    Government Bill of Lading

    GCR/GEN:
    General Commodi

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