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Contract Management Software: the Solution to the Problem of Coordination
Charles Petrie, from Stanford, released a short article entitled “The Problem of Coordination,” which highlights 4 categories in which businesses find it difficult to connect: Interoperability Agent Communication Semantic Unification Coordination...
Debt Management in the UK
Debt management, as defined in the UK, is a course of action
where a reduction in repayment amount and/ or interest charges
is negotiated with unsecured creditors, when you are no longer
able to meet your repayment requirements.
For some...
How To Deal With A Difficult Boss
How To Deal With A Difficult Boss By Tristan Loo Most people at some point in their lives have to deal with a difficult boss. Difficult supervisors vary in personality from being a little pushy or rude, all the way to being downright abusive. Many...
How to Qualify For 90% plus Commercial Financing!!!
There are three important questions that you must understand and answer correctly in order to achieve 90% plus commercial financing! Where to go to locate it? What type of project will qualify? And last, how to negotiate for it?
To start, you must...
What the bank won't tell you about your home mortgage quote
Shopping for a house is probably the most significant financial
decision that you will make in your life. When you shop for your
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Like It Or Not, You Have A Score To Settle! (Part 1 Of 2 On Credit Scoring)
Just when most people finish with school and can stop worrying about test scores, there’s a new kind of scoring that enters the picture. It’s called credit scoring. And, its impact on your financial future can mean more to you than a college degree. Why It’s So Important: Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards and auto loans. More recently, scoring has been used to help creditors evaluate your ability to repay home mortgage loans.
Precisely what is credit scoring?
Credit scoring is a system creditors use to help determine whether to give you credit. Information about you and your credit experiences, such as bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and age of your accounts is collected from credit applications and your credit report.
Using a statistical program, creditors compare this information to the credit performance of consumers with similar profiles. A scoring system awards points for each factor that helps predict who is most likely to repay a debt. Total number of points helps predict how creditworthy you are; how likely it is that you will repay a loan and make payments when due.
Why is credit scoring used?
Credit scoring is based on real data and statistics, so it usually is more reliable than subjective or judgmental methods. It treats all applications objectively. Judgmental methods typically rely on criteria that are not systematically tested and can vary when applied by different individuals. To develop a model, a creditor selects a random sample
of its customers (or a sample of similar customers if their sample is not large enough), and analyzes it statistically to identify characteristics that relate to creditworthiness. Then, each of these factors is assigned a weight based on how strong a predictor it is of who would be a good credit risk.
Each creditor may use its own scoring model, different scoring models for different types of credit, or a generic model developed by a credit scoring company. How reliable is the credit scoring system?
Credit scoring systems enable creditors to evaluate millions of applicants consistently and impartially on many different characteristics. But to be statistically valid, scoring systems must be based on a big enough sample. Remember that these systems generally very from creditor to creditor. Although you may think such a system is arbitrary or impersonal, it can help make decisions faster, more accurately, and more impartially than individuals when it is properly designed.
In fact, many creditors design their systems so that, in marginal cases, applicants whose scores are not high enough to pass easily, or are low enough to fail absolutely are referred to a credit manager who decides whether the company or lender will extend credit. This may allow for discussion and negotiation between the credit manager and the consumer. What happens if you are denied credit or don’t get the terms you want?
About the Author
For the answer to that crucial question and how to improve your credit score, be sure to read Part II of “Like It Or Not, You Have A Score To Settle.” At http://www.creditandyou.com/creditscoreexplained.html
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Negotiation - Wikipedia, the free encyclopedia |
The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
en.wikipedia.org |
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Negotiation Seminars Negotiation Training Negotiations Consultants ... |
Negotiation and alternative dispute resolution seminars, negotiation training and video presentations with available keynote speakers. |
www.negotiation.com |
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Program on Negotiation at Harvard Law School |
Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution. |
www.pon.harvard.edu |
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PON: Harvard Negotiations Project |
Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ... |
www.pon.harvard.edu |
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The Negotiation Skills Company, Inc. |
www.negotiationskills.com/ - 3k - Cached - Similar pages |
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Global Trade Negotiations Home Page |
The Global Trade Negotiations Home Page at the Center for International Development at Harvard University - a centralized information resource on global ... |
www.cid.harvard.edu |
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Principled Negotiation |
Principled negotiation is the name given to the interest-based approach to negotiation set out in the best-known conflict resolution book, Getting to Yes, ... |
www.colorado.edu |
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Salary Negotiation and Job Offer Tutorial |
Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
www.quintcareers.com |
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Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
www.quintcareers.com |
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Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
www.mindtools.com |
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negotiation journal |
www.springerlink.com/link.asp?id=102591 - Similar pages |
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Apache Content Negotiation |
Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
httpd.apache.org |
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JobStar--Salary Negotiation Strategies |
JobStar is a public library sponsored guide to information for the job search. Sections useful for California are: 1500 job hotlines, calendar of job and ... |
jobstar.org |
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Eric C. Gould's Negotiation Site |
Subscribe to newsletter with negotiating tips and techniques. |
www.batna.com |
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free negotiation training for sales, debt, contract, salary ... |
Free negotiation skills training for sales, contracts, debt, salary and contracts, negotiating with creditors, negotiation skills and techniques, ... |
www.businessballs.com |
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Monster.com: The Negotiation Coach |
Salary Negotiation Advice from HR Managers · Negotiating Your Future Salary Today · Overlooking Their Interests -- A Big Mistake in Salary Negotiations ... |
midcareer.monster.com |
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Negotiation Articles |
Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
www.pertinent.com |
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CareerJournal | Negotiating Tips - Salary Negotiation Tips ... |
Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
www.careerjournal.com |
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PON Clearinghouse |
Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
www.pon.org |
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:: Negotiations Affairs Department :: |
Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
www.nad-plo.org |
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