Payday loans offer great options to responsible borrowers. They are normally short-term loans that are not costly. A payday loan can save you money as opposed to getting expensive overdrafts. Getting a payday loan can be performed hassle-free and quickly. After making your applications online, you will not need to wait for many days to get the cash that you need. A payday loan can offer a simple remedy for many financial dilemmas that require a quick solution.Benefits of these loansThere are several benefits derived from applying for these short-term loans. First, the process for applying is easy. The application can be performed from the safe confines of your home or during your lunch break. The process of applying is simpler compared with the process of applying for loans from the traditional banks.The information that is submitted during the application is processed fast. The credit reports that affect the credit history are not demanded. Furthermore, repaying the loan is easy because the applicant has the option of prolonging the time required for making the loan repayment. The best companies offer these short-term loans online at competitive rates. This gives you the opportunity of resolving urgent financial problems quickly.When making your applications online, you will not be required to send your information by fax. The loan provider then assesses the information saving you the time that would be required in making an application. The loan that is issued is based on the information that you have submitted during the application. The best loan providers guarantee privacy of your information. The companies undertake several measures that ensure third parties have no access to your private information including details of your bank account.Why this short term loans are recommendedA payday loan is recommended because it is easy to apply and quick to receive. The requirements for applying a payday loan are simple. Therefore, it is possible for anyone with a form of income and a bank account to apply for this type of loan. The loans are designed to be taken for short periods. Most of these loans are borrowed for approximately one month or less, although the term can be extended depending on the borrowers needs.The loans can be received without strict requirements. This makes them ideal for borrowers who are not eligible for other types of credit. To access a payday loan, you need to provide your identification, prove you have a steady income and a bank account. Therefore, the loan is recommended for persons who lack enough savings to cater for immediate needs. Without a payday loan, you may not be in a position to cater for certain necessary expenses. The alternative to a payday loan is missing to pay your bills within the stipulated period, which could result in extra fees or charges. Furthermore, this could lead to disconnection of utilities.Overcoming financial setbacksMany people have stopped worrying about experiencing financial setbacks because they can access payday short-term loans. Although taking up the loan means that you will need to repay the loan plus interest, these types of loans have been designed for the short-term, therefore the interest is relatively low. Normally, the loan is usually smaller the first time but with subsequent applications, you will be able to receive more money.With loans falling between £50 and £1250, you will be in a position to cover for many costs. You will be able to cater for utility, medical or vet bills. The cash can also be used to cater for other emergencies such as a broken washing machine and a leaking pipe.
3 Mistakes Coaches Make When Designing Their Signature Coaching Programs
Having a signature program doesn’t mean you’ll build a successful coaching business. But not having one means you don’t have something to sell and when you don’t have something to sell, you don’t have a business.If you’re ready to have a coaching business that is fulfilling and satisfying, you’d probably want to have a signature program that’s a reflection of who you are, encompassing your value, conviction and superpowers.You want a program you can call your own, and can be proud of.You want a program that allows you to put all your experience, knowledge and talent under one roof – without cutting off an arm and a leg to fit into a box, or looking like a jack-of-all-trades.Taking some 3- or 6-months “off the shelf” generic program designed by someone else and jamming yourself into it no longer works.It no longer brings satisfaction. It doesn’t resonate. It feels like going through the motion without fully living their message.If you’ve been struggling to create your signature program – not a flash in the pan offering, but something that sticks and makes you excited about selling (!) every single day – you may be making these mistakes:1. Using Generic, “Off the Shelf” ProgramMany coach-training programs provide students with a 3- or 6-month program they can use right away to get clients.Or you might have purchased some other pre-written programs that claim to solve all your pain and suffering.It may work for a little while to help you get your feet wet, but often times regurgitation is not a long-term solution.When you take an “off the shelf” program, stick it into your business and call it a day, you are stuffing yourself into a box made by others.These programs are generic. The flip side of “yeah I can probably sell this to anyone” is that they make you sound like everyone else.They often don’t give you the space to express your value, conviction and opinion. And there is little opportunity for individual expression of your superpowers.I don’t know about you, but for my peeps and myself, that’s stifling. Suppressing our voice is downright criminal.It’s like letting someone else speak for you for the rest of your life. Would you allow that?It’s one thing to use these programs as a stopgap move to get things going, but another to be married to it and treat it as a be-all-end-all solution.I’m not saying you’ve to reinvent the wheel… but you gotta be in the driver’s seat before the wheel can take you anywhere.2. Where are YOU in the program?It’s not hard to write a program. Seriously. Especially if you’re the “hunker down and I can do anything Type A” kind of person.I work with a lot of these go-getter clients. They take action. They follow directions they’ve learned in trainings and programs. They do the work. They didn’t write one program, they wrote three.But still, nothing clicked.Their motivation died when they realized the program they spent so much time and effort to develop didn’t resonate with them.The reason? They’ve forgotten about the most important thing – themselves! They neglected the WHY that drives the program.Most people focus on the “what” and the “how” of a program: the information, modality, delivery and execution.They got hastily pushed down a particular direction during those 5-minutes-of-fame group coaching calls, before they uncover what really, truly motivates them.They were missing the driving force that goes beyond a target market, a set of tools, or a topic of expertise.Jumping both feet into the nitty-gritty has caused them to bypass the foundation – the PERSON behind the program.The PERSON who puts her name and reputation on the program. The PERSON delivering the program. The PERSON who has to live and breathe that program. (YOU!)The most successful program stems from a set of core value and conviction that transcends modality, delivery format and pieces of information.There is a golden thread behind the content that ties everything together and give it a unique positioning that makes the “same information” different.It embodies your WHY so you can stand by it with the utmost conviction.It takes into account your superpowers so you can deliver it in the most effective way possible. It fuels you, not drains you.3. It’s an Exercise in Navel-GazingOn the other hand, your signature system is not all about you.You can’t be of service if you’re not relevant to the people you serve.I’ve seen many practitioners who make their signature programs all about them, their skills, modality and whatever tools du jour.The disconnect happens when a program becomes a list of stuff you do, and you fail to relate it to your niche.Niche is how you anchor yourself in the community you serve. It’s not a bunch of demographic data. It’s about being relevant.You’re going to hear crickets when your signature program fails to connect your skills, expertise and tools with the needs of those you’re marketing to.When you can articular why you’re relevant to the people that matter to you (your market), you’ll feel excited about what you do.You’ll take on an identity that you matter and you’re creating value.When you can articulate how your expertise applies to your peeps, you gain the confidence to actually get out there and talk about it.It’s not just about selling stuff. It’s about you anchoring into a community that matters to you. It’s about creating an identity of you being valuable and confident.You know, the stuff that makes you excited to get up every morning
CMM and Project Management – Tracking and Oversight
The goal of the Software Project Tracking and Oversight Key Process Area (KPA) is to provide sufficient insight into project performance so that the project manager can detect variances between performance and the plan and take preventive or corrective action. This KPA influences all PMBOK knowledge areas and is most closely associated with the Monitoring and Controlling group of processes. As with the other KPAs Software Project Tracking and Oversight is organized into goals, commitments, abilities, activities, measurements, and verifications.Goals
The goals of this KPA relate to and support project oversight and corrective actions. The goals are that results are tracked against project plans, that corrective actions are taken when there is a variance between planned results and actual results, and that corrective actions that change the project plan are agreed to by the affected groups. The abilities and activities all support the achievement of these goals.Commitment to Perform
Commitments to this KPA are required at the executive level. The first commitment is that a software project manager be assigned to the project. This commitment will be made by default for most IT projects. The project manager responsible for the entire project is likely to be someone who is considered a “software project manager”, or at least has experience managing software projects. When larger projects require a sub-project for the creation of a software system or application to be defined, this commitment requires a project manager to be assigned to manage the sub-project. This is an organizational commitment, but might require you to identify and assign a project manager to manage the software sub-project if you are the overall project manager.The second commitment is also at the organizational level and it is that project management follows a written organizational policy for managing software projects. PMs working out of a PMO or PMC should have such a policy to follow. If you are a project manager leading the charge for CMM/CMMI certification you should undertake the writing of this policy to govern your project and future projects for your organization.Ability to Perform
There are 5 abilities required to meet CMM/CMMI level 2 criteria. The first ability is that software project has a project plan. The second is that the software project manager assigns work to the project team. This means not only that the project manager defines, organizes, and schedules the work in their plan, but that they direct individual team members to do the work. I believe that meeting the criteria for this ability requires the software project manager to be given the authority to direct the project resources work for the duration of the project. The best way for this authority to be officially granted is through the Project Charter which governs the project.The third ability calls for adequate resources to be provided for tracking and oversight activities. Planning of the activities will be supported by the project’s plans and schedule. Adequate funding will be demonstrated by the budget for resources to perform oversight and tracking activities being part of the approved project budget. Ability 4 requires the software project manager to be trained in managing the “technical and personnel aspects” of the software project. I would argue that there is no better way of demonstrating this ability than by the certification of the software project manager as a Project Management Professional (PMP®). The Project Management Institute oversee this certification and are recognized globally as the leaders in the area of project management certification and project management best practices. Certification of your software project manager is straight forward, providing PMI’s criteria for project management experience are met. Providing they are, the project manager can choose from a host of quality PMP® courses or PMP® exam preparation training products to prepare them for the certification exam. These courses will train project managers in Project Management best practices and their implementation, as well as helping the project manager pass their exam.The final ability calls for first-line software managers to receive “orientation in the technical aspects of the software project”. CMMI defines a first-line software manager as someone who has direct management responsibility, including responsibility for providing technical direction, for staffing and activities of a single organizational unit. This definition matches the PMBOK®’s definition of a functional manager. The first-line manager should be educated in the tools, processes, procedures, and standards used for the project.Activities
Activities called for by CMM include:Use the project plan for tracking activities and communicating project status. The plan should be updated with information for work completed and made available to project stakeholders. Your MS Project file will satisfy this criterion and will convert your WBS/schedule to several formats that can be accessed by stakeholders who do not have MS Project on their desktop.
The project plans are revised according to a documented procedure. This procedure will be your Change Management plan, or Integrated Change Control System (ICCS). The various components of the project plan specify how changes approved by the ICCS/Change Management plan are to be implemented. The activity also calls for a review of the revised project plan.
Commitments made to external groups, and any changes to those commitments, are reviewed with senior management according to a documented procedure. In the context of tracking and oversight this activity will be described in the project’s Change Management plan.
Approved changes to the software project are communicated to the members of the software engineering group and other software-related groups. Your Change Management plan, or Communications Management plan, should describe this.
The sizes of work products, or changes to the work products are tracked and corrective actions taken as necessary. CMM uses the word “size” to refer to the number of lines of code,.html pages, or pages of documentation produced. The idea is to compare the actual size with the estimates for the purpose of identifying actions required to correct the estimation procedure and future estimates.
Effort and costs are tracked and corrective actions taken when necessary. The cost management portion of the project plan will govern monitoring and controlling expenditures and identify how corrective actions are to be identified. The Change Management plan governs how changes to the cost estimates are to be made. Since software development projects frequently aren’t governed directly by budgets, this may be accomplished in the Time Management plan for the project.
Critical computer resources are tracked and corrective actions taken when necessary. These will be tracked, along with other project resources, in the resource management plan.
The schedule is tracked and corrective actions taken when necessary. The Time Management portion of the project plan will describe how this happens, including the analysis of late and early delivery dates on the plan.
Technical activities are tracked and corrective action taken when necessary. Technical activities refer to the methods, procedures, and processes used to develop and test the software. Testing activities will be described in the Quality Management plan. Most of the methods, procedures, and processes associated with development of the software should be captured in the Configuration Management plan. Activities not covered by the Configuration Management or Quality Management plans should be described in a separate plan.
Project risks are tracked. This is accomplished by the Risk Management plan
Measurement data and re-planning data are recorded. This includes estimates and data associated with the estimates, plus data measuring completed work. Estimates will be captured in the WBS and schedule. Estimating tools and methods such as Function Point Analysis (FPA) will be described elsewhere.
The software engineering group conducts periodic internal reviews to track technical progress, plans, performance, and issues against the plan. The software engineering group includes the first-line managers and software project manager. This activity is covered by your weekly status review meetings.
Formal reviews to address accomplishments and results are conducted at selected project milestones. These formal reviews will correspond to your Gate Reviews.Measurement and Analysis
The effort required to perform the tracking activities is measuredVerification
Verification is performed by senior management who review the tracking and oversight activities periodically. This will be satisfied with the Gate Reviews planned for the project and by any Steering Committee or Project Sponsor reviews scheduled. Verification is also done by the project manager. This requirement can be satisfied with regular status review meetings in addition to the Gate Meetings. These two verifications also require you to produce a status report after each meeting.The 3rd verification calls for reviews or audits of the project by a Quality Assurance group. Since CMM regards the Quality Assurance group as an entity outside of the control of the project, the senior management of your organization should be responsible for this verification. If you are assigned to manage the project by a PMO or PMC this group may provide the audits or reviews required by CMM.The tips and tricks described in this article implement some of the best practices promoted by the PMI (Project Management Institute). These are taught in most PMP® courses and other PMP® exam preparation training products. Visit the three O web site for a sampling of some of the products available in this area, including AceIt©, our downloadable software training tool: http://threeo.ca/featuress8.php