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    What is ACH?
    ACH stands for Automated Clearing House. Since it began operations in the early1970s the ACH Network has been an electronic payments network used by individuals, businesses, financial institutions and government organizations. The network is sometimes referred to as Electronic Funds Transfer (EFT).The ACH network is a batch-oriented electronic funds transfer system governed by the NACHA Operating Rules which provide for interbank clearing of electronic payments for participating depository financial institutions.The Federal Reserve and Electronic Payments Network Act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.The ACH Network functions from beginning to end through a series of implied or explicit agreements with all participating Depository Financial Institutions (DFI) which agree to comply with the NACHA Operating Rules. Inherent to this agreement is the DFI's responsibility to assure that its customers fo
    e organization’s goals. For goals to be wholly-embraced by employees, the CEO must show a strong interest and dedication throughout the goal implementation stage. He or she must show strong intent for carrying out goals. This can be done through talks and conversations with employees, through formal presentations and news releases, and, of course, through participation in and support of the other six steps of the goals adoption process.

    In addition to the strong show of support, the CEO will need to be constantly aware of how he or she is modeling “goals directedness.” As employees most often follow the behavioral examples they’re shown, they will become acutely aware of the CEO’s commitments, as portrayed by actions, not solely by words. Should these deviate or be in opposition to the originally-established goals and the CEO’s rhetoric, the CEO must be prepared to explain these actions and to provide comprehensible answers as to why a goal was skirted. And, certainly, if it becomes necessary to abandon a goal, that fact should be made clear to the company’s employees at once. In fact, should jettisoning a goal become necessary, a new, mini-version of the strategic planning process should be instituted.

    Nothing prevents chaos in the corporate structure quite as well as these seven steps, that focus on getting employees on board and formulating strong support of the organization’s goals, from the top down. Without employees’ endorsement of an effort of goals directedness, it will certainly fail

    Unlocking Hidden Profits in Your Business
    Copyright 2005 Wayne McDonaldPractically every business article I come across talks about number crunching. Everything is broken down into ROI (rate of return), the value of each customer and the number of customers per month.Unfortunately, the most important factor left out of all these formulas is you --- the business person. If you have a poverty mentality or a fear of not having enough, then you will restrict the flow of income.As my friend Ida says, "Money is Easy." Creating more income or abundance in our lives is that simple, but most of us try to make it harder or more complicated than it is.The hardest thing about our relationship with money is giving up our idea of what that income is or where it will come from. We must focus on what it CAN BE. For example, most business people see a limited market filled with a lot of competition. Another example, a business person might say he only earns five thousand dollars per month selling products.In the first exampl
    When you, as the CEO, have led your company through the careful process of crafting a strategic plan, the most important step in implementing the plan is to make sure that your employees will be moving in tandem with the intent of the plan and with its strategic goals. There are seven key steps to follow to get this accomplished.

    Step 1 – Know Your Employee “Audience” and Test the Water. You’ll need to do some basic fact-finding to understand how prepared and/or dedicated your employees are to goals endorsement. If this was not clear as a result of your strategic planning process, the best way to approach learning the needed information is through an all-inclusive electronic data gathering process known as the Delphi Process. This process is a relatively simple one, but will require that you hire a technological consultant to run the Delphi, unless you have such a person internal to your organization.

    Once the process has been structured and implemented, the data that you will receive will portray an in-depth picture of your employees and their motivation, relative to your organization’s strategic goals. The process will also provide you with insights into a collective intent to act to carry out goals directions. Barring an ability to conduct a Delphi Process, the second best way to gain insight about your employees’ interest in and dedication to your strategic goals is to use “focus groups” as a sampling process to discover that. The agendas for focus group meetings can be pre-cast to provide the answers you will need for later steps in the adoption process. Focus group discussion questions should be structured to accomplish two purposes: Gain information about employees’ dedication to the tasks ahead; while at the same time, to serve to “seed” information that will serve the organization well.

    Focus group questions should be structured so that no more than 20-30 minutes is needed for the facilitator of a focus group to gain needed information and to convey some “key ideas” to the employees in attendance.

    Step 2 – Discover Your Major Movers. During the focus group [or, other “testing the water”] process, you will discover your major movers, which constitutes the 2nd Key Step of realizing goals implementation. As you, or a trusted member of your leadership team, talk to your people in the focus groups and as you hear and see them interact with others, you will discern those who are the natural or assumed leaders and who demonstrate an interest and a talent for the tasks ahead. Tap into this latent leadership talent and use it to best advantage by selecting and forming these individuals into a cadre of Major Movers for your organization.

    Step 3 – Train Them Well. As you discover and identify these major movers you will want to prepare to train them well. By immediately setting up a training program for these leaders and drawing them together, at once, into a cadre for further training and support, you are instituting the next critical step. This training should have two thrusts: 1) to prepare the “M&M” cadre with a common body of knowledge so that everyone is singing from the same hymnal; and 2) to set up the “corporate creep process” -- that is, to ensure that the notion of “how to’s” for employees to work within the organization’s goal framework is embedded in the thinking/processing mechanisms of this group of employees.

    The common body of knowledge that is presented to the company’s “major mover” (M&M) group will be talking points that have been carefully refined and “test-driven” as those that most closely depict the “message” of the organization’s goals development function. It is this M&M cadre who will become your knowledge dissemination process within the organization.

    Step 4 -- Arrange for a Rewards Structure. The rewards structure should be set up as part of your CCP, or, “corporate creep process.” A structure of rewards, or incentives, should be designed to promote the effective attention to goals by your employees. Incentives programs especially selected as appropriate rewards for employees who promote the organization’s goals should be created [for more information, see Dr. Blair’s article, “Why Does an Incentive Structure Work in Corporations?”].

    Step 5 – Test The Thoroughness of Coverage. Once Steps 1-4 have been covered and there has been time for the information to be disseminated, or “to percolate” through the company, you will want to set up Step 5, which is a process to test the thoroughness of coverage. That is, you’ll want to determine, through informal sources, surveys, and other means, how well the information is flowing through the organization; how widespread the coverage has been; how well-received it has been; and how adequate you would judge the results of the overall effort to be.

    Step 6 – Look for the Gaps and Close Them. Armed with data and other information from Step 5, the next step is to look for the gaps and close them. In looking at the success evidence at hand, you and/or other experts, will be able to identify employee groupings (work groups, matrix teams, departments, divisions, and so on) where the employees seem to have little knowledge of the goals determination and the effort that surrounds goal implementation. Once these pockets have been discovered then additional, educative measures will need to be undertaken with targeted groups of individuals, essentially repeating the work done in Step 3, but on a grander scale and with larger numbers of employees.

    Conversely, if the spread of coverage can be seen to be satisfactory, then congratulate yourself that the process is going well!

    It is important that one not consider the processes of Step Six as finalized until substantial increases in attitude and behavior changes can be seen through the use of “testing the water,” (TTW) measures such as those described in Step 1.

    Step 7 – Maintain Consistent Demeanor in Support of Goals. Throughout the process of cultural change, from Steps 1-6, the executive must maintain consistent demeanor in support of the organization’s goals. For goals to be wholly-embraced by employees, the CEO must show a strong interest and dedication throughout the goal implementation stage. He or she must show strong intent for carrying out goals. This can be done through talks and conversations with employees, through formal presentations and news releases, and, of course, through participation in and support of the other six steps of the goals adoption process.

    In addition to the strong show of support, the CEO will need to be constantly aware of how he or she is modeling “goals directedness.” As employees most often follow the behavioral examples they’re shown, they will become acutely aware of the CEO’s commitments, as portrayed by actions, not solely by words. Should these deviate or be in opposition to the originally-established goals and the CEO’s rhetoric, the CEO must be prepared to explain these actions and to provide comprehensible answers as to why a goal was skirted. And, certainly, if it becomes necessary to abandon a goal, that fact should be made clear to the company’s employees at once. In fact, should jettisoning a goal become necessary, a new, mini-version of the strategic planning process should be instituted.

    Nothing prevents chaos in the corporate structure quite as well as these seven steps, that focus on getting employees on board and formulating strong support of the organization’s goals, from the top down. Without employees’ endorsement of an effort of goals directedness, it will certainly fail.

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    he answers you will need for later steps in the adoption process. Focus group discussion questions should be structured to accomplish two purposes: Gain information about employees’ dedication to the tasks ahead; while at the same time, to serve to “seed” information that will serve the organization well.

    Focus group questions should be structured so that no more than 20-30 minutes is needed for the facilitator of a focus group to gain needed information and to convey some “key ideas” to the employees in attendance.

    Step 2 – Discover Your Major Movers. During the focus group [or, other “testing the water”] process, you will discover your major movers, which constitutes the 2nd Key Step of realizing goals implementation. As you, or a trusted member of your leadership team, talk to your people in the focus groups and as you hear and see them interact with others, you will discern those who are the natural or assumed leaders and who demonstrate an interest and a talent for the tasks ahead. Tap into this latent leadership talent and use it to best advantage by selecting and forming these individuals into a cadre of Major Movers for your organization.

    Step 3 – Train Them Well. As you discover and identify these major movers you will want to prepare to train them well. By immediately setting up a training program for these leaders and drawing them together, at once, into a cadre for further training and support, you are instituting the next critical step. This training should have two thrusts: 1) to prepare the “M&M” cadre with a common body of knowledge so that everyone is singing from the same hymnal; and 2) to set up the “corporate creep process” -- that is, to ensure that the notion of “how to’s” for employees to work within the organization’s goal framework is embedded in the thinking/processing mechanisms of this group of employees.

    The common body of knowledge that is presented to the company’s “major mover” (M&M) group will be talking points that have been carefully refined and “test-driven” as those that most closely depict the “message” of the organization’s goals development function. It is this M&M cadre who will become your knowledge dissemination process within the organization.

    Step 4 -- Arrange for a Rewards Structure. The rewards structure should be set up as part of your CCP, or, “corporate creep process.” A structure of rewards, or incentives, should be designed to promote the effective attention to goals by your employees. Incentives programs especially selected as appropriate rewards for employees who promote the organization’s goals should be created [for more information, see Dr. Blair’s article, “Why Does an Incentive Structure Work in Corporations?”].

    Step 5 – Test The Thoroughness of Coverage. Once Steps 1-4 have been covered and there has been time for the information to be disseminated, or “to percolate” through the company, you will want to set up Step 5, which is a process to test the thoroughness of coverage. That is, you’ll want to determine, through informal sources, surveys, and other means, how well the information is flowing through the organization; how widespread the coverage has been; how well-received it has been; and how adequate you would judge the results of the overall effort to be.

    Step 6 – Look for the Gaps and Close Them. Armed with data and other information from Step 5, the next step is to look for the gaps and close them. In looking at the success evidence at hand, you and/or other experts, will be able to identify employee groupings (work groups, matrix teams, departments, divisions, and so on) where the employees seem to have little knowledge of the goals determination and the effort that surrounds goal implementation. Once these pockets have been discovered then additional, educative measures will need to be undertaken with targeted groups of individuals, essentially repeating the work done in Step 3, but on a grander scale and with larger numbers of employees.

    Conversely, if the spread of coverage can be seen to be satisfactory, then congratulate yourself that the process is going well!

    It is important that one not consider the processes of Step Six as finalized until substantial increases in attitude and behavior changes can be seen through the use of “testing the water,” (TTW) measures such as those described in Step 1.

    Step 7 – Maintain Consistent Demeanor in Support of Goals. Throughout the process of cultural change, from Steps 1-6, the executive must maintain consistent demeanor in support of the organization’s goals. For goals to be wholly-embraced by employees, the CEO must show a strong interest and dedication throughout the goal implementation stage. He or she must show strong intent for carrying out goals. This can be done through talks and conversations with employees, through formal presentations and news releases, and, of course, through participation in and support of the other six steps of the goals adoption process.

    In addition to the strong show of support, the CEO will need to be constantly aware of how he or she is modeling “goals directedness.” As employees most often follow the behavioral examples they’re shown, they will become acutely aware of the CEO’s commitments, as portrayed by actions, not solely by words. Should these deviate or be in opposition to the originally-established goals and the CEO’s rhetoric, the CEO must be prepared to explain these actions and to provide comprehensible answers as to why a goal was skirted. And, certainly, if it becomes necessary to abandon a goal, that fact should be made clear to the company’s employees at once. In fact, should jettisoning a goal become necessary, a new, mini-version of the strategic planning process should be instituted.

    Nothing prevents chaos in the corporate structure quite as well as these seven steps, that focus on getting employees on board and formulating strong support of the organization’s goals, from the top down. Without employees’ endorsement of an effort of goals directedness, it will certainly fail

    Business Secrets Revealed : 3. Business is Concept Based
    Product and Service: Production of commodities for the humanity is the prime thing. To maintain them in good condition, we need service oriented businesses. Both production and service stand as chief business activities by importance and size also. Concept: The third order business is concept based. This is low by volume and significance, as this does not meet the immediate need of the customers. Let us go into some details and examples to understand them in a better way. Concept is Plan: Here, we wish to work on a plan emanated by some pioneer business designer and accepted by the beneficiary. The plan tries to attract the customers by smallness and easiness of the investments. The concept tells about the futuristic returns in a big and convenient manner. Pay Less Get More From God: It is like this. We go to temple, church or mosque as the case may be. We worship the god and offer a contribution.Do not mistake
    : 1) to prepare the “M&M” cadre with a common body of knowledge so that everyone is singing from the same hymnal; and 2) to set up the “corporate creep process” -- that is, to ensure that the notion of “how to’s” for employees to work within the organization’s goal framework is embedded in the thinking/processing mechanisms of this group of employees.

    The common body of knowledge that is presented to the company’s “major mover” (M&M) group will be talking points that have been carefully refined and “test-driven” as those that most closely depict the “message” of the organization’s goals development function. It is this M&M cadre who will become your knowledge dissemination process within the organization.

    Step 4 -- Arrange for a Rewards Structure. The rewards structure should be set up as part of your CCP, or, “corporate creep process.” A structure of rewards, or incentives, should be designed to promote the effective attention to goals by your employees. Incentives programs especially selected as appropriate rewards for employees who promote the organization’s goals should be created [for more information, see Dr. Blair’s article, “Why Does an Incentive Structure Work in Corporations?”].

    Step 5 – Test The Thoroughness of Coverage. Once Steps 1-4 have been covered and there has been time for the information to be disseminated, or “to percolate” through the company, you will want to set up Step 5, which is a process to test the thoroughness of coverage. That is, you’ll want to determine, through informal sources, surveys, and other means, how well the information is flowing through the organization; how widespread the coverage has been; how well-received it has been; and how adequate you would judge the results of the overall effort to be.

    Step 6 – Look for the Gaps and Close Them. Armed with data and other information from Step 5, the next step is to look for the gaps and close them. In looking at the success evidence at hand, you and/or other experts, will be able to identify employee groupings (work groups, matrix teams, departments, divisions, and so on) where the employees seem to have little knowledge of the goals determination and the effort that surrounds goal implementation. Once these pockets have been discovered then additional, educative measures will need to be undertaken with targeted groups of individuals, essentially repeating the work done in Step 3, but on a grander scale and with larger numbers of employees.

    Conversely, if the spread of coverage can be seen to be satisfactory, then congratulate yourself that the process is going well!

    It is important that one not consider the processes of Step Six as finalized until substantial increases in attitude and behavior changes can be seen through the use of “testing the water,” (TTW) measures such as those described in Step 1.

    Step 7 – Maintain Consistent Demeanor in Support of Goals. Throughout the process of cultural change, from Steps 1-6, the executive must maintain consistent demeanor in support of the organization’s goals. For goals to be wholly-embraced by employees, the CEO must show a strong interest and dedication throughout the goal implementation stage. He or she must show strong intent for carrying out goals. This can be done through talks and conversations with employees, through formal presentations and news releases, and, of course, through participation in and support of the other six steps of the goals adoption process.

    In addition to the strong show of support, the CEO will need to be constantly aware of how he or she is modeling “goals directedness.” As employees most often follow the behavioral examples they’re shown, they will become acutely aware of the CEO’s commitments, as portrayed by actions, not solely by words. Should these deviate or be in opposition to the originally-established goals and the CEO’s rhetoric, the CEO must be prepared to explain these actions and to provide comprehensible answers as to why a goal was skirted. And, certainly, if it becomes necessary to abandon a goal, that fact should be made clear to the company’s employees at once. In fact, should jettisoning a goal become necessary, a new, mini-version of the strategic planning process should be instituted.

    Nothing prevents chaos in the corporate structure quite as well as these seven steps, that focus on getting employees on board and formulating strong support of the organization’s goals, from the top down. Without employees’ endorsement of an effort of goals directedness, it will certainly fail

    5 Best Practices for Retaining Your Best Talent
    Companies have a tradition of luring away top executive talent from the competition. In sports free agency has changed the entire landscape of professional athletics as teams constantly fight for talent. The talent wars are now reaching the trenches and companies are taking off the gloves and aggressively going after top talent at all levels regardless of who they are currently employed by.Because employees now know they are potential free agents, they are looking for the best package, not just more money. Who are the people you would hate to lose? It's time to use these five best practices for retaining your top talent so they aren't as eager to see if the money is greener on the other side of the fence.1. Give them a quality teamTop talent wants to work with other top talent. Most sports are set up where the worst team gets the top talent in the next draft. No longer do players willingly accept this. Some ask to be traded; others refuse to go to the team that wanted to draft the
    through informal sources, surveys, and other means, how well the information is flowing through the organization; how widespread the coverage has been; how well-received it has been; and how adequate you would judge the results of the overall effort to be.

    Step 6 – Look for the Gaps and Close Them. Armed with data and other information from Step 5, the next step is to look for the gaps and close them. In looking at the success evidence at hand, you and/or other experts, will be able to identify employee groupings (work groups, matrix teams, departments, divisions, and so on) where the employees seem to have little knowledge of the goals determination and the effort that surrounds goal implementation. Once these pockets have been discovered then additional, educative measures will need to be undertaken with targeted groups of individuals, essentially repeating the work done in Step 3, but on a grander scale and with larger numbers of employees.

    Conversely, if the spread of coverage can be seen to be satisfactory, then congratulate yourself that the process is going well!

    It is important that one not consider the processes of Step Six as finalized until substantial increases in attitude and behavior changes can be seen through the use of “testing the water,” (TTW) measures such as those described in Step 1.

    Step 7 – Maintain Consistent Demeanor in Support of Goals. Throughout the process of cultural change, from Steps 1-6, the executive must maintain consistent demeanor in support of the organization’s goals. For goals to be wholly-embraced by employees, the CEO must show a strong interest and dedication throughout the goal implementation stage. He or she must show strong intent for carrying out goals. This can be done through talks and conversations with employees, through formal presentations and news releases, and, of course, through participation in and support of the other six steps of the goals adoption process.

    In addition to the strong show of support, the CEO will need to be constantly aware of how he or she is modeling “goals directedness.” As employees most often follow the behavioral examples they’re shown, they will become acutely aware of the CEO’s commitments, as portrayed by actions, not solely by words. Should these deviate or be in opposition to the originally-established goals and the CEO’s rhetoric, the CEO must be prepared to explain these actions and to provide comprehensible answers as to why a goal was skirted. And, certainly, if it becomes necessary to abandon a goal, that fact should be made clear to the company’s employees at once. In fact, should jettisoning a goal become necessary, a new, mini-version of the strategic planning process should be instituted.

    Nothing prevents chaos in the corporate structure quite as well as these seven steps, that focus on getting employees on board and formulating strong support of the organization’s goals, from the top down. Without employees’ endorsement of an effort of goals directedness, it will certainly fail

    Franchising a Nation is Impossible, it Will Never Work Say Critics
    There are many people in the world and the funniest ones out there are the non-believers is the reality of how things in the World really work. Sometimes you find hard-core liberals living in a false reality. Sometimes you find actual intelligent people out there who are overwhelmed with details and therefore believe because of the perceived complexity of a situation or solution, they throw up their hands and say it cannot work.This is interesting and I have found critics condemning a brilliant plan to franchise the World to help third world nations come up in the World. For instance a naysayer critic might say; "I do not hate the concept of franchising the World, But being as smart as I am and since I did not think of it or recognize this plan myself, it cannot work in any nation.”Well, that is nice that someone thinks franchising the World will not work, if you can call such thought actual thinking and of course I respectfully disagree and sure it will work, how can it not? Piece of ca
    e organization’s goals. For goals to be wholly-embraced by employees, the CEO must show a strong interest and dedication throughout the goal implementation stage. He or she must show strong intent for carrying out goals. This can be done through talks and conversations with employees, through formal presentations and news releases, and, of course, through participation in and support of the other six steps of the goals adoption process.

    In addition to the strong show of support, the CEO will need to be constantly aware of how he or she is modeling “goals directedness.” As employees most often follow the behavioral examples they’re shown, they will become acutely aware of the CEO’s commitments, as portrayed by actions, not solely by words. Should these deviate or be in opposition to the originally-established goals and the CEO’s rhetoric, the CEO must be prepared to explain these actions and to provide comprehensible answers as to why a goal was skirted. And, certainly, if it becomes necessary to abandon a goal, that fact should be made clear to the company’s employees at once. In fact, should jettisoning a goal become necessary, a new, mini-version of the strategic planning process should be instituted.

    Nothing prevents chaos in the corporate structure quite as well as these seven steps, that focus on getting employees on board and formulating strong support of the organization’s goals, from the top down. Without employees’ endorsement of an effort of goals directedness, it will certainly fail. Rosabeth Moss Canter has said that, “employees can be energized – engaged in problem solving and mobilized for change – by their involvement in a participative structure that permits them to venture beyond their normal work roles to tackle meaningful issues.” And, Peter Drucker recommends strategies such as those described in this article, to avoid the management pitfalls of “intellectual arrogance [that cause] disabling ignorance.”

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