Most Common Questions Asked By Aspiring Mortgage BrokersI wanted to take a few minutes to address some of the most common questions asked by individuals looking to start a new career in the mortgage industry. These are some of the same questions that I asked myself when I was curious about obtaining a position as a Mortgage Broker. Although I had many questions here were the top ones.Do I Need A License?One of the most frequently asked questions by individuals interested in a career in the mortgage industry is if they need a license. Most people think that a license is required because you are dealing with real estate, and since real-estate agents have to have them, then Mortgage Brokers and Loan Officers probably need to have them as well. Surprisingly, in most States, a license is not required to become a mortgage broker/loan officer. However, the rules and regulations are different for those who own or are interested in starting up their own mortgage company. In this case, those individuals would need a business license and other things specified by their particular State. However, if you are working for someone more than likely you won't need a license.How Much Do Mortgage Brokers Earn?This is another question generally asked by those seeking a new car
ever possible and appropriate.)
• Use real work in the training when possible.
The Sleepwear Syndrome - “One-Size-Fits-All”
Often times a T-shirt or sleepwear is designed to be “one size-fits-all” and serves its purpose. Training isn’t sleepwear and probably won’t be effective that way. Look at it this way: though all the teen-age kids might wear one size of sweatshirt to school, would people wear the same size suit or skirt to work? If they did, would they look as good or perform well? In other words, one-size-fits-all garments aren’t all that versatile for different situations. The basic goal of clothing - to cover our body and provide warmth - would be achieved, but many other reasons why we wear clothing would not be satisfied. The same is true for training in the workplace. Too often, generic, across-the-board training is administered. The basic premise with this syndrome is that “We’ll give it to everyone - to be fair - maybe everyone doesn't need this information or lack the skills, but at least we will make sure we don’t leave anyone out.” In reality often management doesn’t really know who needs the new skills and knowledge.
What You Can Do
• Base training and participation decisions on skills needed to be effective in the workplace.
The Lone Ranger Situation
Often people are sent to training as a perk, a reward, or as a way to get them in a new surrounding for awhile. In most cases, people in a team or work group may never all see the same training, except for th
The Key Reasons Why Cios Get Fired And What To Do About Them - Part 1You're now CIO - welcome to the hot seat!The CIO is probably the hottest seat on the "C" suite in terms of pressure and demands and that gets reflected in terms of a short tenure in the job. As individuals, they are typically bright, intelligent, hard-working and committed - and yet when you visit the offices of their colleagues frequently they are demanding that their CIO needs to go and go soon.How long does a CIO last?In the bad old days around the turn of the millennium - in the times of the dot-com crazy years of explosion growth and sudden collapse the accepted wisdom (or should I say urban myth) a typical CIO could expect to last 18-24 months in the job. These days, they get a while longer at the helm some say around 3-4 years (Forrester poll) and others 4-5 years (Gartner poll).You've got to keep the lights on!The most obvious requirement for any CIO is to keep the core IT systems and basic infrastructure working. If they stop and the organisation ceases to function properly, then they are not going to stay around long. I guess in over 25 years of business experience, I've only seen these catastrophic failures happen 2 or 3 times and the CIO incumbent pay the price of failure. Business users and customers expect IT to work and by and
Seven Reasons Why Training Doesn’t Produce the Desired Results and What You Can Do To Improve Your Results
Overview
Abraham Maslow said, “If the only tool you have is a hammer, every problem looks like a nail.” As managers, leaders and change agents, we want to improve our organizational performance. Often training is seen as an important tool in this pursuit. Training is a fabulous tool! It can provide awareness, knowledge, skills and maybe even a chance to practice. However, all of our change efforts aren’t nails, so training isn’t our only tool. This special report identifies seven common reasons why training doesn’t meet it's goals - even when it is the right tool - and more importantly - gives you some action steps to avoid these pitfalls.
The “Who’s Accountable?” Game
People rarely are held accountable for using what they learned in a course or workshop when they get back to the workplace. So some people recognize going to training as a game. That’s why training is seldom seen (by anyone in the organization) as what it could and should be - a strategic part of the business, with responsibility for performance enhancement. Regardless of how training is viewed, if people aren’t held accountable, how likely is it that real performance change will occur? All of the actions below will make accountability clear.
What You Can Do
• Give people a clear message before participating in training what the expectations of them will be when they return.
• Plan some time with the participant both before and after the training session.
• Let participants know before they attend that an action plan is expected as a result of the training session. (Then be interested in the outcome.)
• Ask participants how you can help them reach their new performance goals.
The Cafeteria Cause - “Course du Jour”
Often training has no connection to the strategic objectives of the organization. Whether true or not, the prevalent perception in the organization is that there is no rhyme or reason to the latest training course. This cause is called “Course du Jour” because often organizations offer new training just like some people try new diets. New business books (and accompanying “hot” new training topics) are published with the frequency of new diet plans - and the similarities continue! With the fad popular diets, people hear about the new approach, buy the book, get excited, try the diet, and soon leave it - usually before they received any real benefit. The same thing happens in an organization. The new training topic, approach, idea or craze is tried and dropped before results can occur.. There’s usually nothing wrong with the training introduced, but usually it isn’t supported in the organization - or given the time to work. In these instances, the company is wasting time and money and confusing the majority of the employees. Maybe most costly however is the risk of fostering cynicism and reducing the credibility of leadership.
What You Can Do
• Make training decisions based on strategic direction and real performance gaps. Once those training priorities have been set, stick to them.
• Make a commitment to get a return on that training investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• When a new “hot topic” training course is proposed, ask, “How does this fit with what we’ve been doing? Is this just our next diet?”
• Use real work in the training when possible.
The Piling on the Work Paradigm
Many times managers and leaders see training as an expensive waste of time. When they attend classes, they continually think about all the work that is piling up “back in the office”. Their employees see this attitude through their leader’s actions. This thinking grows because leaders don’t explain the reasons for the course and don’t help people deal with the workload while they are gone. Since you can’t make people learn, these situations can be disastrous in the training session itself. People may resent having to be in the training because they don’t understand why they’re there, and they know they’ll have to work harder when they get back to the job to catch up. In this situation the participants may leave more cynical than when they arrived, with few if any new skills to counteract that possible effect.
What You Can Do
• Do everything possible to make sure all of management is on-board with the training and its purpose.
• Make a commitment to get a return on that training investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• Set up a plan to handle the work while the participant is learning. This action speaks volumes about the importance of the training. It will also improve their ability to focus on the session (e.g. “My critical work is being handled”, and “ Whew, I’m sure glad that most of my mail will have been handled when I get back!”)
The January Third Application Assignment
Well designed training with motivated learners will result in people leaving training with some clear ideas about how they plan to apply what they’ve learned back on the job. But well intentioned as those plans might be, they may be no more effective than most New Year’s Resolutions. Old habits are hard to break! Habits are especially hard to break when there is no support for the new skills and behaviors back in the workplace.
What You Can Do
• Give people a clear message before participating in training what the expectations of them will be when they return.
• Plan some time with the participant both before and after the training session.
• Let them know before they attend, that an action plan is expected as a result of the training session. (Then be interested in the outcome.)
• Ask them how you can help them reach their new performance goals. All of these actions will make accountability clear.
• Give an entire work group training in new information and skills at the same time. (Whenever possible and appropriate.)
• Use real work in the training when possible.
The Sleepwear Syndrome - “One-Size-Fits-All”
Often times a T-shirt or sleepwear is designed to be “one size-fits-all” and serves its purpose. Training isn’t sleepwear and probably won’t be effective that way. Look at it this way: though all the teen-age kids might wear one size of sweatshirt to school, would people wear the same size suit or skirt to work? If they did, would they look as good or perform well? In other words, one-size-fits-all garments aren’t all that versatile for different situations. The basic goal of clothing - to cover our body and provide warmth - would be achieved, but many other reasons why we wear clothing would not be satisfied. The same is true for training in the workplace. Too often, generic, across-the-board training is administered. The basic premise with this syndrome is that “We’ll give it to everyone - to be fair - maybe everyone doesn't need this information or lack the skills, but at least we will make sure we don’t leave anyone out.” In reality often management doesn’t really know who needs the new skills and knowledge.
What You Can Do
• Base training and participation decisions on skills needed to be effective in the workplace.
The Lone Ranger Situation
Often people are sent to training as a perk, a reward, or as a way to get them in a new surrounding for awhile. In most cases, people in a team or work group may never all see the same training, except for the
10 Power-Packed Ways To Spark Your Sales1. Spend money on targeted advertising instead of
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This will grab peoples attention quickly.6. Keep your web site consistent. You don't want
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giving them free bonuses like e-books, software,
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web site. This will create an extra income stream
for your business.9. Make your web site ready for the public. Have
an "About Us" page and clear descriptions
articipant both before and after the training session.
• Let participants know before they attend that an action plan is expected as a result of the training session. (Then be interested in the outcome.)
• Ask participants how you can help them reach their new performance goals.
The Cafeteria Cause - “Course du Jour”
Often training has no connection to the strategic objectives of the organization. Whether true or not, the prevalent perception in the organization is that there is no rhyme or reason to the latest training course. This cause is called “Course du Jour” because often organizations offer new training just like some people try new diets. New business books (and accompanying “hot” new training topics) are published with the frequency of new diet plans - and the similarities continue! With the fad popular diets, people hear about the new approach, buy the book, get excited, try the diet, and soon leave it - usually before they received any real benefit. The same thing happens in an organization. The new training topic, approach, idea or craze is tried and dropped before results can occur.. There’s usually nothing wrong with the training introduced, but usually it isn’t supported in the organization - or given the time to work. In these instances, the company is wasting time and money and confusing the majority of the employees. Maybe most costly however is the risk of fostering cynicism and reducing the credibility of leadership.
What You Can Do
• Make training decisions based on strategic direction and real performance gaps. Once those training priorities have been set, stick to them.
• Make a commitment to get a return on that training investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• When a new “hot topic” training course is proposed, ask, “How does this fit with what we’ve been doing? Is this just our next diet?”
• Use real work in the training when possible.
The Piling on the Work Paradigm
Many times managers and leaders see training as an expensive waste of time. When they attend classes, they continually think about all the work that is piling up “back in the office”. Their employees see this attitude through their leader’s actions. This thinking grows because leaders don’t explain the reasons for the course and don’t help people deal with the workload while they are gone. Since you can’t make people learn, these situations can be disastrous in the training session itself. People may resent having to be in the training because they don’t understand why they’re there, and they know they’ll have to work harder when they get back to the job to catch up. In this situation the participants may leave more cynical than when they arrived, with few if any new skills to counteract that possible effect.
What You Can Do
• Do everything possible to make sure all of management is on-board with the training and its purpose.
• Make a commitment to get a return on that training investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• Set up a plan to handle the work while the participant is learning. This action speaks volumes about the importance of the training. It will also improve their ability to focus on the session (e.g. “My critical work is being handled”, and “ Whew, I’m sure glad that most of my mail will have been handled when I get back!”)
The January Third Application Assignment
Well designed training with motivated learners will result in people leaving training with some clear ideas about how they plan to apply what they’ve learned back on the job. But well intentioned as those plans might be, they may be no more effective than most New Year’s Resolutions. Old habits are hard to break! Habits are especially hard to break when there is no support for the new skills and behaviors back in the workplace.
What You Can Do
• Give people a clear message before participating in training what the expectations of them will be when they return.
• Plan some time with the participant both before and after the training session.
• Let them know before they attend, that an action plan is expected as a result of the training session. (Then be interested in the outcome.)
• Ask them how you can help them reach their new performance goals. All of these actions will make accountability clear.
• Give an entire work group training in new information and skills at the same time. (Whenever possible and appropriate.)
• Use real work in the training when possible.
The Sleepwear Syndrome - “One-Size-Fits-All”
Often times a T-shirt or sleepwear is designed to be “one size-fits-all” and serves its purpose. Training isn’t sleepwear and probably won’t be effective that way. Look at it this way: though all the teen-age kids might wear one size of sweatshirt to school, would people wear the same size suit or skirt to work? If they did, would they look as good or perform well? In other words, one-size-fits-all garments aren’t all that versatile for different situations. The basic goal of clothing - to cover our body and provide warmth - would be achieved, but many other reasons why we wear clothing would not be satisfied. The same is true for training in the workplace. Too often, generic, across-the-board training is administered. The basic premise with this syndrome is that “We’ll give it to everyone - to be fair - maybe everyone doesn't need this information or lack the skills, but at least we will make sure we don’t leave anyone out.” In reality often management doesn’t really know who needs the new skills and knowledge.
What You Can Do
• Base training and participation decisions on skills needed to be effective in the workplace.
The Lone Ranger Situation
Often people are sent to training as a perk, a reward, or as a way to get them in a new surrounding for awhile. In most cases, people in a team or work group may never all see the same training, except for th
Building Your Price Discount Strategies and Authentic ProsperityShould You Discount or Give Your Work AwayAs a business owner you may be surprised to discover how often you are asked to donate your services. This may delight or disconcert you depending on who asks, how often, and how your practice is doing.In addition to responding to requests for donated or reduced fee services, you may be wondering how to build your practice by giving work away. Both situations raise important questions on building your price discount strategies, and answering these questions is an exercise in authentic prosperity.-- What do you want to give?
-- What results do you want from giving?
-- When has giving been effortless?
-- What has giving been a problem for you?Giving in accordance with your deepest desires and in accordance with your resources and needs is energizing, motivating, inspiring. It is relatively easy to make a sustained contribution when you truly care about a cause. It is relatively easy to complete a project when you have the resources to do so. It is relatively easy to stay committed when you experience benefits from doing so.However, if your donations and reduced-fee work feel like demands that distract from your core purpose, you are almost certain to feel resentful about offerin
based on strategic direction and real performance gaps. Once those training priorities have been set, stick to them.
• Make a commitment to get a return on that training investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• When a new “hot topic” training course is proposed, ask, “How does this fit with what we’ve been doing? Is this just our next diet?”
• Use real work in the training when possible.
The Piling on the Work Paradigm
Many times managers and leaders see training as an expensive waste of time. When they attend classes, they continually think about all the work that is piling up “back in the office”. Their employees see this attitude through their leader’s actions. This thinking grows because leaders don’t explain the reasons for the course and don’t help people deal with the workload while they are gone. Since you can’t make people learn, these situations can be disastrous in the training session itself. People may resent having to be in the training because they don’t understand why they’re there, and they know they’ll have to work harder when they get back to the job to catch up. In this situation the participants may leave more cynical than when they arrived, with few if any new skills to counteract that possible effect.
What You Can Do
• Do everything possible to make sure all of management is on-board with the training and its purpose.
• Make a commitment to get a return on that training investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• Set up a plan to handle the work while the participant is learning. This action speaks volumes about the importance of the training. It will also improve their ability to focus on the session (e.g. “My critical work is being handled”, and “ Whew, I’m sure glad that most of my mail will have been handled when I get back!”)
The January Third Application Assignment
Well designed training with motivated learners will result in people leaving training with some clear ideas about how they plan to apply what they’ve learned back on the job. But well intentioned as those plans might be, they may be no more effective than most New Year’s Resolutions. Old habits are hard to break! Habits are especially hard to break when there is no support for the new skills and behaviors back in the workplace.
What You Can Do
• Give people a clear message before participating in training what the expectations of them will be when they return.
• Plan some time with the participant both before and after the training session.
• Let them know before they attend, that an action plan is expected as a result of the training session. (Then be interested in the outcome.)
• Ask them how you can help them reach their new performance goals. All of these actions will make accountability clear.
• Give an entire work group training in new information and skills at the same time. (Whenever possible and appropriate.)
• Use real work in the training when possible.
The Sleepwear Syndrome - “One-Size-Fits-All”
Often times a T-shirt or sleepwear is designed to be “one size-fits-all” and serves its purpose. Training isn’t sleepwear and probably won’t be effective that way. Look at it this way: though all the teen-age kids might wear one size of sweatshirt to school, would people wear the same size suit or skirt to work? If they did, would they look as good or perform well? In other words, one-size-fits-all garments aren’t all that versatile for different situations. The basic goal of clothing - to cover our body and provide warmth - would be achieved, but many other reasons why we wear clothing would not be satisfied. The same is true for training in the workplace. Too often, generic, across-the-board training is administered. The basic premise with this syndrome is that “We’ll give it to everyone - to be fair - maybe everyone doesn't need this information or lack the skills, but at least we will make sure we don’t leave anyone out.” In reality often management doesn’t really know who needs the new skills and knowledge.
What You Can Do
• Base training and participation decisions on skills needed to be effective in the workplace.
The Lone Ranger Situation
Often people are sent to training as a perk, a reward, or as a way to get them in a new surrounding for awhile. In most cases, people in a team or work group may never all see the same training, except for th
Quiz: Where is Your Marketing Message?Wondering if your marketing message is dancing in the
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B. Getting better. You're seeing some positive results, but
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D. A waste of good money.
E. You can't remember your last campaign. In fact, you don't
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into a woman who you felt would be your ideal customer.
Her response after you introduce yourself is:A. "I'm so glad I ran into you. I've been meaning to talk to you
in more detail about how yo
ning investment.
• Resolve to give the training time and support to work.
• Determine clear performance outcomes for the effort up front.
• Set up a plan to handle the work while the participant is learning. This action speaks volumes about the importance of the training. It will also improve their ability to focus on the session (e.g. “My critical work is being handled”, and “ Whew, I’m sure glad that most of my mail will have been handled when I get back!”)
The January Third Application Assignment
Well designed training with motivated learners will result in people leaving training with some clear ideas about how they plan to apply what they’ve learned back on the job. But well intentioned as those plans might be, they may be no more effective than most New Year’s Resolutions. Old habits are hard to break! Habits are especially hard to break when there is no support for the new skills and behaviors back in the workplace.
What You Can Do
• Give people a clear message before participating in training what the expectations of them will be when they return.
• Plan some time with the participant both before and after the training session.
• Let them know before they attend, that an action plan is expected as a result of the training session. (Then be interested in the outcome.)
• Ask them how you can help them reach their new performance goals. All of these actions will make accountability clear.
• Give an entire work group training in new information and skills at the same time. (Whenever possible and appropriate.)
• Use real work in the training when possible.
The Sleepwear Syndrome - “One-Size-Fits-All”
Often times a T-shirt or sleepwear is designed to be “one size-fits-all” and serves its purpose. Training isn’t sleepwear and probably won’t be effective that way. Look at it this way: though all the teen-age kids might wear one size of sweatshirt to school, would people wear the same size suit or skirt to work? If they did, would they look as good or perform well? In other words, one-size-fits-all garments aren’t all that versatile for different situations. The basic goal of clothing - to cover our body and provide warmth - would be achieved, but many other reasons why we wear clothing would not be satisfied. The same is true for training in the workplace. Too often, generic, across-the-board training is administered. The basic premise with this syndrome is that “We’ll give it to everyone - to be fair - maybe everyone doesn't need this information or lack the skills, but at least we will make sure we don’t leave anyone out.” In reality often management doesn’t really know who needs the new skills and knowledge.
What You Can Do
• Base training and participation decisions on skills needed to be effective in the workplace.
The Lone Ranger Situation
Often people are sent to training as a perk, a reward, or as a way to get them in a new surrounding for awhile. In most cases, people in a team or work group may never all see the same training, except for th
Get Discovered Through Press ReleasesDo you have a service or product that you want to get in front of the masses? Maybe you have reached a new milestone in your existing business that you want to shout out to the world. Well, the easiest way to get the message out is through the power of a press release.Press releases have been around for awhile and can be a powerful tool in your marketing arsenal. If you have a little experience writing, you can create one on your own. If not, you can hire a professional to write one for you. It is well worth the money to get a professional job done.There are several elements that comprise a press release.1. The contact information, this allows the press to contact you for a possible story or for potential customers to come to your site to see your offerings.CONTACT: www.ABCcompany.com
Joe Schmoe, President
Phone: (123) 456-7890
Boston, MA. 00000
Email: schmoe@email.com2. The Headline, this is possibly the most important element of the press release because it must be "newsworthy." It can't be a sales pitch but must be crafted as though you are announcing a news item. For example:WHERE WILL YOU GO?Local Online Job Network Shows You the Path to Job Search Success.Not something like, ABC Company Is Offering
ever possible and appropriate.)
• Use real work in the training when possible.
The Sleepwear Syndrome - “One-Size-Fits-All”
Often times a T-shirt or sleepwear is designed to be “one size-fits-all” and serves its purpose. Training isn’t sleepwear and probably won’t be effective that way. Look at it this way: though all the teen-age kids might wear one size of sweatshirt to school, would people wear the same size suit or skirt to work? If they did, would they look as good or perform well? In other words, one-size-fits-all garments aren’t all that versatile for different situations. The basic goal of clothing - to cover our body and provide warmth - would be achieved, but many other reasons why we wear clothing would not be satisfied. The same is true for training in the workplace. Too often, generic, across-the-board training is administered. The basic premise with this syndrome is that “We’ll give it to everyone - to be fair - maybe everyone doesn't need this information or lack the skills, but at least we will make sure we don’t leave anyone out.” In reality often management doesn’t really know who needs the new skills and knowledge.
What You Can Do
• Base training and participation decisions on skills needed to be effective in the workplace.
The Lone Ranger Situation
Often people are sent to training as a perk, a reward, or as a way to get them in a new surrounding for awhile. In most cases, people in a team or work group may never all see the same training, except for the “Course du Jour” or “One-Size-Fits-All” variety. Some times people need specific skills to perform a specific part of their work. Often though, the “perk” training workshops are for skills many people in the group could use (or maybe they’ll all be sent over-time; after all, everyone can’t be gone at once.) The result? People come back to work in a vacuum. Not only are they not accountable (Reason Number One above), but no one they work with has the same new skills and knowledge that they do. Without support, as a Lone Ranger, the new ideas they bring back may not get implemented due to peer resistance or ignorance.
What You Can Do
• Give an entire work group training in new information and skills at the same time. (Whenever possible and appropriate.)
• Build training that is linked to the problems at work as well.
• Use real work in the training when possible.
The “Name That Tune” Game
This problem arises when, in the name of expediency or efficiency, training time is compacted. Trainers are asked to “Name That Tune” (or complete the training) in shorter and shorter time blocks. This show starts with “The Management Team only needs an overview”, and ends with training being designed to fit a time slot, as opposed to being designed to build specific skills. The typical result of the “Name That Tune - shorten the session for my people Game”, is training that is little more that exposure to a topic area - not training which can transfer real skills, with real practice time in the classroom.
What You Can Do
• Give the training staff some muscle - let them be strong advocates for training that is skill based, and not just meant to fill the ever-shortening time slot.
• Determine clear performance outcomes for the effort up front.
Final Thoughts
Training can be expensive, often time consuming, and disappointing - both to the individuals and to the organization. Training and learning is also vitally important to the success of organizations. These Seven Reasons are often why training is so disappointing and time consuming. Taking the actions listed will help reduce the cost, lower the frustration and disappointment and drastically increase the effectiveness of the training in your organization.
Almost all calibration laboratories’ quality systems fulfill the standards set by ISO/IEC 17025:1999, and include all functions that have an impact on the attribute of the 17025 calibration service, like equipment, personnel, calibration procedures and reporting.
Many of our clients have a hard time finding and retaining top sales talent. So we’re focusing on helping them through that process as an engine for growth of their companies. On the other hand we also have found that lots of top candidates are having a difficult time finding great job opportunities, and so the mission of helping people to find great work is one that’s important to us – we like helping people find great jobs.
Why are you losing customers? Why are they leaving you and how do you get them back? What can you do about it? I'll tell you. visit my website for more information.