Bio Vs Resume - What's the Difference?

What's the difference between a bio and a resume (and when do you use each one)? If you're confused about bio versus resume and when to use which, this article will help. A bio is a short summary of the most impressive highlights of your background, whereas a resume gives a comprehensive picture of your education and work experience year by year. Both describe your background but the intended purpose, level of detail and presentation are different.

When to use a bio versus resume

Bios are basically used as promotional material. A bio or career biography tells a short story about you in a couple of paragraphs. It's a summarized version of who you are and what you're all about.

Bio Vs Resume - What's the Difference?

A bio is normally found in a business owner's profile or about the author in the flap jacket of a book. It's intended to be a succinct, compelling overview of the person. In a paragraph or two, the most impressive facts are provided to give a picture to the reader. The description is written in the third person and may include years of experience, some well-known companies, recognized commercial awards, marital status, number of children, place of dwelling, and other pertinent details.

One way to think about it is that a bio is a little advertisement for you and your business. It summarizes just the most impressive highlights of your background. In contrast, a resume gives a complete summary of your experience, education, and skills - normally in chronological order.

When to use a resume instead of a bio

A resume is normally required when applying for a job. A resume shows past history and provides in detail, the working experience, job positions and responsibilities, education with colleges attended, skill certificates achieved and trainings completed.

Whereas a bio is usually formatted in paragraphs, resumes are normally formatted in bullet form and chronological order. You need to account for any missing years that may have occurred due to sickness, travelling, family responsibilities or time out of the workforce. In a pinch, you can omit certain areas in your resume if you wish and only reveal them in person when you have an interview.

To sum up, a bio or biography tells a story about you, whereas a resume gives "just the facts". A bio is a promotional document; a resume is used when applying for a job. Both describe your background but purpose, level of detail and presentation are different. Between the two, the bio is less formal and more interesting to read than the resume.

Bio Vs Resume - What's the Difference?
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The Importance of Good Negotiation Skills to Your Business Success

Having good negotiation skills can be the difference between success and failure in the business world. Those that know how to negotiate tend to rise to the top of whatever industry they are in. At the same time, those that do not know how to negotiate tend to stay where they are or fall backwards.

If you want to be successful in the industry, a study of developing negotiation skills should be at the forefront of your mind. Here are a few things to consider about the importance of good negotiation skills to your business success.

One of the primary benefits of having good negotiation skills is that you will be able to save money. If you represent your business or if you are negotiating for yourself, you will be able to negotiate a cheaper price when buying something. When making large purchases, you need to be able to negotiate with the sales representative and get a better price. If you simply take the price that is being offered to you, it is very possible that will get taken advantage of. Learning how to negotiate will allow you to save substantial amounts of money over a period of time.

The Importance of Good Negotiation Skills to Your Business Success

Another important reason for developing good negotiation skills is that you will be able to make more money for your business as well. If you are trying to sell a product or secure a contract, you need to be able to negotiate in order to make it happen. By doing this, you will be able to secure a larger selling price and increase your profit margins. Increasing profit margins is one of the biggest objectives for most businesses. If you can learn how to do this, you will be invaluable to your employer and this will be directly related to your business success.

In addition to being a better negotiator, you will also develop several other traits that are essential in business. Many of the same skills that you use in negotiation will translate over to other areas of the business.

For example, when learning good negotiation skills, you will learn how to be an effective listener. In order to be successful in negotiation, you have to be able to listen to the other person to see what they want. This skill will be very valuable to you in other areas of the business. If you are a manager, you will need to be able to listen to your employees to see what motivates them. If you are dealing with customers, you need to be able to listen to what they are telling you so that you can find a product or service that matches their needs.

When you are aiming to achieve business success, developing good negotiation skills should be at the top of your priority list. This is by far one of the most important skills that you can develop as a businessperson. It can easily take you from where you currently are to where you eventually want to be.

The Importance of Good Negotiation Skills to Your Business Success
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Cultural Differences Between East and West in the Cross-Cultural Business Negotiations

Culture mainly includes four aspects which greatly influence the cross-cultural business negotiation, they are: language and non-language behaviors, customs, way of thinking and values.

First of all is the difference in language and non-language behaviors. Chinese people are particular about etiquette since the ancient times. Take Chinese and Americans for example, when hearing about others' praise, Chinese people usually use self-depreciatory expression to show their modest. Chinese people are sure to use appellations in conversations. Americans stress equality. The younger generation can call the elder or boss directly by his or her name. To others' praise, Americans will be grateful and accept it. There is also a big difference in non-language behaviors. For example, the behavior of gazing at someone, Chinese people use it to show curiosity or surprise while Americans think it is impolite.

Second is the difference in the customs. Customs mainly include some social activities. Chinese people care much of their face in daily life and work, they care much about their images in other people' eyes and are afraid of being laughed at, discussed and misunderstood. Americans are much more practical, they don't care much about what others think about them, they don't ask about others' age, earnings, marriage which they think is invading others' privacy when they are associating with others. Americans like to express their idea directly while Chinese people choose a more tactful way and so on.

Cultural Differences Between East and West in the Cross-Cultural Business Negotiations

The third difference is in the way of thinking. The difference was embodied in the opposite of the overall thinking and individual thinking. Chinese culture lays particular emphasis on overall thinking which is to observe and think about things on the earth in an overall view, to analyze problems from the whole part, to attach importance on the overall function, complicated relationship and operating process of things, not the internal structure of things. Americans lay particular emphasis on individual thinking which split a complex thing into simple essential factors, then study one by one.

Forth, they work differently in values. The differences in values between east and west lie in the opposite of collectivism and individualism. The core of Chinese people' value is collectivism which thinks that harmonious relationship between people is the foundation of the society. So, Chinese people constantly hold the view of peacefulness is prized and pay special attention to some specially designated group's interests or value. The core of western culture values is individualism, which is the philosophy of individual is most important. The main content of individualism is to believe in the value of individuals, pay much importance to self-freedom and emphasize individual self-control and self-development.

Cultural Differences Between East and West in the Cross-Cultural Business Negotiations
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What Causes Anger?

Anger is a strong emotion of displeasure caused by some type of grievance that is either real or perceived to be real by a person. The cognitive behavior theory attributes anger to several factors such as past experiences, behavior learned from others, genetic predispositions, and a lack of problem-solving ability. To put it more simply, anger is caused by a combination of two factors: an irrational perception of reality ("It has to be done my way") and a low frustration point ("It's my way or no way"). Anger is an internal reaction that is perceived to have a external cause. Angry people almost always blame their reactions on some person or some event, but rarely do they realize that the reason they are angry is because of their irrational perception of the world. Angry people have a certain perception and expectation of the world that they live in and when that reality does not meet their expectation of it, then they become angry.

It is important to understand that not all anger is unhealthy. Anger is one of our most primitive defense mechanisms that protects and motivates us from being dominated or manipulated by others. It gives us the added strength, courage, and motivation needed to combat injustice done against us or to others that we love. However, if anger is left uncontrolled and free to take over the mind and body at any time, then anger becomes destructive.

Why We Need to Control Anger

What Causes Anger?

Just like a person who is under the control of a street drug---a person under the influence of anger cannot rationalize, comprehend, or make good decisions because anger distorts logical reasoning into blind emotion. You become unable to think clearly and your emotions take control of your actions. Physiologically speaking, anger enacts the fight or flight response in our brain, which increases our blood pressure and releases adrenaline into our bloodstream, thereby increasing our strength and pain threshold. Anger makes us think of only two things: (1) Defend, or (2) Attack. Neither of these options facilitates a good negotiation.

Internal Sources of Anger

Our internal sources of anger come from our irrational perceptions of reality. Psychologists have identified four types of thinking that contribute to anger.

1. Emotional reasoning. People who reason emotionally misinterpret normal events and things that other people say as being directly threatening to their needs and goals. People who use emotional reasoning tend to become irritated at something innocent that other people tell them because they perceive it as an attack on themselves. Emotional reasoning can lead to dysfunctional anger in the long run.

2. Low frustration tolerance. All of us at some point have experienced a time where our tolerance for frustration was low. Often stress-related anxiety lowers our tolerance for frustration and we begin to perceive normal things as threats to our well-being or threats to our ego.

3. Unreasonable expectations. When people make demands, they see things as how they should be and not as they really are. This lowers their frustration tolerance because people who have unreasonable expectations expect others to act a certain way, or for uncontrollable events to behave in a predictable manner. When these things do not go their way, then anger, frustration, and eventually depression set in.

4. People-rating. People-rating is an anger-causing type of thinking where the person applies a derogatory label on someone else. By rating someone as a "bitch" or a "bastard," it dehumanizes them and makes it easier for them to become angry at the person.

External Sources Of Anger

There are a hundreds of internal and external events that can make us angry, but given the parameters of a negotiating situation, we can narrow these factors down to four general events.

1. The person makes personal attacks against us. The other side attacks you along with the problem in the form of verbal abuse.

2. The person attacks our ideas. The other side chops down our ideas, opinions, and options.

3. The person threatens our needs. The person threatens to take away a basic need of ours if they do not get their way i.e. "I'll make sure you'll never work in this city again."

4. We get frustrated. Our tolerance level for getting things done might be low or affected by any number of environmental factors in our lives.

Factors That Lower Our Frustration Tolerance

1. Stress / Anxiety. When our stress-level increases, our tolerance for frustration decreases. This is why there are so many domestic disputes and divorces over financial problems.

2. Pain. Physical and emotional pain lowers our frustration tolerance. This is because we are so focused on taking care of our survival needs, that we do not have time for anything or anyone else.

3. Drugs / Alcohol. Drugs and alcohol affect how our brain processes information and can make a person more irritable or bring forward repressed emotions or memories that can trigger anger.

4. Recent irritations. Recent irritations can also be called "having a bad day." It's the little irritations that add up during the course of the day that lower our tolerance for frustration. Recent irritations can be: stepping in a puddle, spilling coffee on your shirt, being late for work, being stuck in a traffic jam, having a flat tire.

Recognizing the Physiological Signs of Anger

By recognizing the physiological signs of anger, we can attune ourselves to know when it is time to take measures to make sure that our level of anger does not get out of control. Here are some symptoms of anger:

1. Unconscious tensing of muscles, especially in the face and neck.

2. Teeth grinding

3. Breathing rate increases dramatically

4. Face turns red and veins start to become visible due to an increase in blood pressure

5. Face turns pale

6. Sweating

7. Feeling hot or cold

8. Shaking in the hands

9. Goosebumps

10. Heart rate increases

11. Adrenaline is released into your system creating a surge of power.

Am I Right to be Angry?

Damn right you are. You have your own perception and expectation of the world that you live in and when the reality that you live in fails to meet your expectations, then yes you have the right to be angry. Afterall, if everyone thought alike, then the world would be a pretty dull place to live. You are going to run into situations that you don't enjoy. You are going to run into people who don't respect your views and ideas. The feeling of anger is totally justified according to your beliefs and so don't repress or deny those feelings.

Having to right to feel angry does not mean that you have the right to lash out in anger by attacking the other person. You can't change the views of other people to conform to your own because, like you, they have their own right to uphold their view of the world. The best thing you can do is recognize your anger and focus it on the problem instead of your counterpart.

Key Points

Being angry or frustrated is just like being under the influence of a drug. It prevents you from rationalizing and thinking logically.

Anger is caused by a combination of an irrational perception of reality and a low frustration point.

Anger is a natural response and you have every right to be angry, but you must learn to keep that anger in check during a negotiation because once you react in any negotiation, then you lose the agreement.

What Causes Anger?
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Tristan J. Loo is an experienced negotiator and an expert in conflict resolution. He uses his law enforcement experience to train others in the prinicples of defusing conflict and reaching agreements. Visit the Street Negotiation website at http://www.streetnegotiation.com or contact tristan at: tristan@streetnegotiation.com

How to Buy and Sell Things For Profit - Seven Ways

There are basically seven ways to buy and sell things for profit.

If you make a living you already buy and sell things. You can buy and sell services which is called work, or you can buy and sell property. Most of us are better at buying than we are selling. By that I mean we manage to buy more in dollars than we make. It doesn't have to be that way.

If we learn to buy well, then we can not only get more with the money we have, but we can make a very good living buying and selling. If we buy right, the property will almost sell itself. We intuitively know the seven ways to buy and sell things, but it helps to have a clear vision in your mind in order to develop the skill to buy better and sell better.

How to Buy and Sell Things For Profit - Seven Ways

Many people made fortunes in the last decade buying and selling real estate. These seven ways to buy and sell property are very familiar to the real estate flippers, but the same basic ways can be used for buying and selling any type of property. eBay is bigger than Donald Trump.

1. Buy Low, Sell High

The first and simplest way to make money buying and selling is to find an item in demand, negotiate a low price, buy it, and then sell it for a higher price. In addition to good negotiation skills, you have to develop a good eye to make this work. You also have to be careful your expenses during the acquisition process don't eat up any potential profit.

With this method, you want to buy only excellent quality items that are ready to sell as is. You'll want to find a motivated seller-one who wants to get rid of the property more than he wants to make money. It is also necessary to acquire the property at a significantly low price to be able to add your expenses in and still sell below market. Selling below market is the best way to sell quickly. If you depend on your selling skills to make the deals, you don't need to bother with the investment. You can just get a job as a salesman-work.

2. Buy it, Fix it, Sell it

The second way to make money buying and selling is to look for property that is broken, dirty, ugly, or in need of a missing part or repair. This is a great way to find a motivated seller and a good price. The owners of this kind of property would rather have a new one. If they were inclined to fix it, they'd have done so already. Know your market; know your costs. Allow a generous profit to cover your repairs, acquisition expenses, and potential selling expenses. Negotiate hard and don't be afraid of deadlock. It's your money, so be prepared to walk away from an offer if they won't meet the price you need. Sometimes all you need to do to get a property in pristine condition is to clean it.

3. Buy it, Rent it

A third way to make money over a longer period of time it is to buy and rent it out. Just about anything can be rented to others-tools, cars, camping equipment, boats, motorhomes, and of course, residential homes. An alternate to this same method is to invest in special equipment, use it and then sell the service the equipment provides. All of these ways are good ways to make money, but though they are buy and sell strategies beginning to end, in the interim, they are ongoing businesses-more work.

4. Buy for cash, sell on time

A fourth method is not so effective for inexpensive items, but boats, cars, trucks, and even big screen televisions can be bought at bargains with cash and then resold on terms with interest. People are often willing to pay very high prices if they can get it now and pay later.

Some people make unbelievable profits buying mobile homes for a few thousand and financing over time for tens of thousands. Often before the buyers have finished paying the notes, their financial status has improved enough that they can buy higher end property with conventional finance. When this happens, it is common to get the item back after it has nearly been paid for. Some mobile home resellers have sold and resold certain properties four or five times. Each time they nearly double their investment with the original down payment then collect the payments over time plus interest.

5. Buy and sell wholesale

If you have the ability to purchase in quantity and move quickly, you can locate sources that will bring you deals in bulk at prices so low you can sell wholesale and still make money. You can even buy homes in quantity and sell them to others for resale. Once you spread your name around, this can be very lucrative and happen very quickly.

6. Buy on speculation and sell on demand

When the market is hot, it is possible to buy when the item is first introduced at a lower price than what will be charged later. If you can spot these trends, you can make good money buying when first offered and selling after the item is sold out. In certain real estate markets you can order a new home before it is built and count on the price to go up after the neighborhood fills in. This is dangerous, but some people have made really good money doing just this.

7. Buy for others, sell back with fee added

Sometimes people do not want to do their own bargaining. Celebrities or people known to be very wealthy often allow scouts to buy for them. Sometimes the price goes up when the buyer is well known or very wealthy. The difference in price can be so great that it becomes profitable for a middle person to buy and resell to his principal for a fee.

There are millions of ways to buy and sell, but these are the basic seven ways to buy and sell. Everything else is some variation or combination of these seven. Buying and selling can be done in rising and falling markets. When the market is deteriorating the buyer has to buy drastically below market and move very rapidly to turn his investments. There is always a risk of losing money in any market. A person engaged in these tactics must be good negotiators on both the buy and the sell, and they must be flexible enough to take the losses quickly when they are inevitable to prevent even larger losses later.

How to Buy and Sell Things For Profit - Seven Ways
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Randy R Cox

If you have buying and selling skills, you can do well in good economies or bad. If you'd like to sharpen your buying and selling skills or share your ideas with us drop by for a visit.

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Procurement Process

Procurement is the acquisition of goods or commodities by a company, organization, institution, or a person. This simply means the purchase of goods from suppliers at the lowest possible cost. The best way to do this is to let the suppliers compete with each other so that the expenses of the buyer are kept at a minimum.

Procurement usually involves a bidding process in which the bidders or sellers quote their prices and the buyer accepts the lowest possible bid. This is the most efficient and cost effective method of procuring goods or services if the quality of the goods meets the buyers' requirement.

The process of procurement usually begins when the procurer starts to search the market for bidders. After identifying the suppliers, a request for bids, proposals, quotes, and information can be made. However, direct contact with bidders can also be made instead of advertising the above requests.

Procurement Process

After selecting the suitable bidders, a quality check is essential in order to confirm the suitability of the goods in question. The next step would be negotiation of the terms, conditions, quality, and delivery schedules. Logistics and payment are the next two important processes that determine the safe delivery and the payoff of goods.

If this whole process is carried out on the Internet, then it can be called "e-procurement." The huge market that is accessible on the Internet provides numerous and unprecedented opportunities for sellers and buyers alike. This makes it a very popular tool for researching and consulting for the procurement of goods or services.

The whole process of procurement should be carried out in compliance with the existing laws in order to avoid any legal hassles. There are many consultants on the Internet who provide education and advice regarding the procurement process.

The process of procurement may differ slightly from one company to another, but the process is usually symbiotic in nature. It benefits both the buyer and the seller.

Procurement Process
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Consumer Credit Card Debt Relief Scams! Are They Real?

I have been in the credit card debt relief industry for just about 10 years now and have been in the financial industry for over 20 years. The point of this article is to give people a heads up on debt relief companies also known as debt settlement or debt negotiation companies. I will give you the pro's and con's of this process and what to watch out for when interviewing a company to help you get out of debt. Before I go on I want to let you know that this will be a rather long article and by the end of it my goal is to have you understand how the debt negotiation/settlement process works in case you don't already know and I would like you to understand the tactics of companies out there that do not truly have your best interest at heart.

First I would like to state that the process of debt negotiation as your means of consumer debt relief is not for everyone, some people are better suited for bankruptcy and others do not have the correct mindset to go through this process.

I would like you to first understand what debt negotiation is and how it works. The goal of a debt negotiator is to obtain a debt settlement for you on the current debt amount you owe your creditor. So for example you may owe one particular creditor ,000 so the goal of the negotiator would be to have you end up paying back say ,000. The two main benefits of going through this process are to save money on what you currently owe your creditors and to save time. By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation.

Consumer Credit Card Debt Relief Scams! Are They Real?

Now you must understand these are great benefits but as with anything in life there are drawbacks, nothing is perfect and this consumer debt relief procedure is no different. For starters your creditors will not be willing to negotiate a debt settlement at all if you are current with your monthly minimum payments. They would prefer you to stay on their credit treadmill for the next thirty years and pay them back over four times the balance in interest alone. So you must fall behind on your payments to put the creditors into a position where they will be willing to settle. Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement.

So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt.

Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying.

As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".

We here in America over the past couple of years have been experiencing a very negative downturn in our economy. Thus putting many consumers in a compromising position financially, leaving boat loads of people stuck in credit card debt. So naturally this opened up a much larger market for debt negotiation. Many fly by night companies have been popping up all over the country, many of which are ex mortgage brokers who sold people bad loans and helped them get into this sticky position in the first place. Now I use the word scam which can take on a few meanings, while yes there are some companies out there that are flat out scams and have no intent on doing any work for you at all, most of the times that is not the case. Instead many companies simply do not give people all the facts on how debt negotiation works nor do they truly put them on a plan for success, which I will explain in a minute.

One common issue that most consumers have with debt settlement companies is they do not fully tell them about how the process works, instead they sugar coat things and just preach about the great benefits. I have spoken to countless amounts of people who have signed up with companies and were under the impression that they were going to stay current with their creditors and will never receive any calls. So needless to say this became a huge problem once they began.

Another major problem a lot of these companies have is deceiving people into the kind of savings they will be getting on their debts. Some companies will say they will save you 70% of what you owe. Now while they may get settlements that low what their opting not to tell you is how much you will be saving after you have A) paid them their fees, and B) paid back the creditors. Honest companies will tell you what your true savings will be. If you will save somewhere between 40-50% of what you owe including their fees and paying the creditors than that is pretty darn good. Plus many of these companies will try and guarantee a certain amount of savings, if you hear this run for the hills. NO one in this industry can guarantee a certain amount that is why it is called DEBT NEGOTIATION! They are negotiating to get a settlement for as low as they can get.

Then there are the companies who will let you pay whatever you can to get on their program. These are the worst because they do not truly have your interest at heart and know they are setting you up to fail and not succeed. You must understand to achieve the type of savings I stated above this process should take no more than three years, preferably two or less. And the bottom line is some people simply cannot get it done in that time frame and should realistically be looking into bankruptcy. What these unscrupulous consumer debt relief companies will do is put you on a program for 4 or more years and basically accepts whatever payment you can afford. Knowing full well you are not going to be saving much of anything and will more than likely fail off the program, all they care about is getting the fees and that is it. An honest company will diligently review your budget with you and make sure this is something that you can manage, as well as fully explain to you both the benefits and drawbacks of doing this. And let you make the conscience decision as to whether this is the best consumer debt relief method for your situation.

Another very good way to evaluate a company is to make sure they are registered with the BBB (Better Business Bureau) and that they are in good standings with very few complaints. And if there are complaints make sure they were resolved to the clients liking.

Consumer Credit Card Debt Relief Scams! Are They Real?
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Like I said I have been in this business for almost 10 years now and currently I work for an outstanding company with a great track record and an amazing record with the BBB, the FSLC. If you want an honest evaluation of your situation to see if this is the right method of consumer debt relief for you than follow the link below in the signature file and fill out an application. I will go over in great detail how this process works and whether you are a good candidate. I hope after reading this article you feel more educated as to how this process works and what to look out for when you are interviewing companies to potentially help you out.

Steve Bis is a senior debt analyst and research assistant with the FSLC which deals primarily in consumer credit card debt relief