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I.  Take control of your career      1.  Research and development      2.  Marketing and public relations      3.  Strategic planning      4.  Finance      5.  Sales         (1)  communication skills II.  Foundations of success      1.  Transferable skills and professional values Transferable skills 1.  Technical 2.  Critical thinking 3.  Communication 4.  Multitasking 5.  Creativity 6.  Teamwork 7.  Leadership Professional values 1.  Motivation and energy 2.  Commitment and reliability 3.  Determination 4.  Pride and integrity 5.  Productivity 6.  Systems and procedures Transferable skills 1.  Technical skills Social networking skills Selling skills Project management skills Six Sigma skills Lean...

If you love the idea of being a landlord, and don't mind being on duty around the clock, buying an investment property may be the wealth-building option for you. Property values have enjoyed a steady increase over the decades.  That's why real estate has earned its reputation as a sound investment that builds wealth and credit. Most people,. however, don't have the quantity of cash on hand to purchase a house or apartment building outright.  Still, if becoming a landlord means taking out a 30-year mortgage, the monthly payments from the tenants should be enough to service the loan and build equity for you, while leaving some cash flow so you can maintain the property. If buying investment property sounds like a step you'd like to take, here are some credit considerations every investor needs to know. Be mindful of the inquiry stage:   Once you decide to purchase an investment property, it's important to do everything you can to make sure your credit sc...

Some question his ability to manage a massive bureaucracy WASHINGTON - President Donald Trump's selection off his White House doctor to run the massive Department of Veterans Affairs triggered concern Thursday among veterans groups about whether he has the experience to manage an agency paralyzed over Trump's push to expand private care. Ronny Jackson, a Navy rear admiral entrusted with the health of the past three presidents, is a lifelong physician whose positions on privatizing operations in the second largest federal department and addressing ballooning health care costs are unknown. First named to the top White House post by President Barack Obama, he would be new to running a big bureaucracy if given leadership over a department of 360,000 employees serving 9 million veterans. In a statement, Trump praised Jackson as "highly trained and qualified."  But representatives of veterans aren't sold on the choice, or on Trump's decision a day ea...

Report:  Patients were put at risk Watchdog blames 'failed leadership' for hospital problems WASHINGTON - "Failed leadership" at the Department of Veterans Affairs during the Obama years put patients at a major hospital at risk, an internal probe finds - another blow to Secretary David Shulkin, who served at the VA then and is fighting to keep his job. The 150-page report released Wednesday by the VA internal watchdog offers new details to its preliminary finding last April of patient safety issues at the Washington, DC ., medical center. Shulkin acknowledged to reporters that the problems were "systemic," but said he was not aware of issues at the Washington hospital.  He pledged wide-scale change across the VA. Painting a grim picture of communications breakdowns, chaos and spending waste at the government's second largest department, the report found that at least three VA program offices directly under Shulkin's watch knew o...

Q:  We've owned our home for several years.  We're in our 40s and do not look forward to making mortgage payments for the next three decades.  Is now the right time to refinance and switch to a 15-year-mortgage? A:  Going from a 30-year mortgage to a 15-year term has some attractions.  For one thing the potential interest cost for the loan is significantly lower.  As a example, imagine you borrow $200,000 at 4 percent over 30 years.  The potential interest cost is $143,739 versus $66,288 for 15-years mortgage with the same initial balance at the same rate. The lower potential interest cost associated with a 15-year mortgage is not free.  It's achieved by having a higher monthly payment.  For example, the 30-year note will have a much smaller monthly payment for principle and interest:  $954.83 vs. $1,479.38 for the shorter loan. In practice, one would expect the rate of a 15-year mortgage to be roughly .75 percent lower than the ...

Leaders without vision are caretakers.  Leaders with vision are movers and shakers. 1.  Yea, and ... vs.  Yes, but... Using and in your response creates a how-and-why dialogue.  It opens the door to ideas.  But means no and blocks the conversation from becoming all it could be. 2.  Break the pattern. Everyone has a daily routine that engages autopilot thinking .  Changing that routine will make you uncomfortable , but it can also help you see and react to things differently .  As you become comfortable with the new routine, change it , you need to stay uncomfortable . 3.  Powerful questions. There are pointed questions and leading questions.  Pointed ones get people thinking; leading ones generate the responses you expect . 4.  Appreciative inquiry. By discovering what's going well and the why behind it, you can share the information with others who may be able to use it to produce better outcomes and ...

Email addresses and tax ID, phone numbers also exposed, firm says The Equifax data breach exposed more of consumers' personal information than the company first disclosed last year, according to documents given to lawmakers. The credit reporting company announced in September that the personal information of 145.5 million consumers had been compromised in a data breach.  It originally said that the information accessed included names, Social Security numbers, birth dates, addresses and - in some cases - driver's license and credit card numbers.  It also said the personal information from thousands of dispute documents was exposed. However, Atlanta-based Equifax Inc. recently disclosed in a document submitted to the Senate Banking Committee, which was shared with The Associated Press, that a forensic investigation found criminals accessed other information from company records.  That included tax identification numbers, email addresses and phone numbers. Finer ...