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I'm not sure where it originated Wholesale Jerseys Free Shipping , but I've heard it repeated time and time again: Insanity is doing the same thing over and over and expecting different results. As much sense as that statement makes, we often find ourselves addressing the same issue with solutions that are little more than rearranged expressions of previously failed solutions. Why can't we develop new solutions to persistent problems? Because we refuse to think!

Chris Argyris first articulated the concept of double-loop learning. Stop; don't close the window... this is easier than it sounds. Once you get a handle on it, you will be better prepared to address the problems you face with solutions that might actually work!

Let's back into the idea. Let's say you have a persistent problem in one area of your life--for instance, finances. You always seem to come up short in your cash flow. That is a consequence of a strategy based on assumptions. There are the three parts to the process.

Many times Wholesale Jerseys China , people experience negative consequences so they develop new strategies. After a while, they discover that the new strategies produced the same results as the old strategies. So, they lapse into an endless cycle of strategizing to overcome failed efforts.

In personal finance, people find themselves in debt Wholesale Jerseys , so they borrow money to get out of debt. Note: the strategy that caused the problem won't often be the solution to that problem!

The real solution to the problem requires a careful evaluation of the assumptions upon which the failed strategies are based. This is tough because it requires people to change their minds and their actions. Yet, real solutions can't be developed apart from this process.

In personal finance, an individual must determine that personal debt is not the solution to the problems encountered at the end of the month. Granted most people carry huge loads of debt; but most people are broke! It's not working for them, why will it work for you?

The consequences you face are a result of the strategies you develop. The strategies are rooted in your assumptions about the way things really are. If you want to solve problems and stop pretending to be a victim of your circumstances Cheap NCAA College Jerseys , you'll embrace a new way of thinking. Otherwise, you're doomed to repeat encounters with the same negative consequences.

Get control of your thinking or someone will be glad to think for you!

Dr. Terry Hadaway is author of 30 Seconds to Chaos: Mastering the Art of "What If" Thinking and numerous articles. Visit for more information on Dr. Hadaway and his straightforward approach to winning at life!
Bank of America: Banking on Small Business with Business Credit Cards Finance Articles | May 21, 2007

The Bank of America has been building on its existing small business lending portfolio over the past years. Three years ago, it was already one of the top small business lenders in Florida with over $1.5 billion in small business loans and over half that amount being micro-loans under $100 Cheap College Jerseys Wholesale ,000.



With its recent acquisition of credit card issuer, MBNA, the bank has moved into the growing small business credit card market.


Business caution about the economy has not managed to dampen the dynamic growth in the small business credit card market. Having banked on small business for some time now and having a big credit card operation under its wing, Bank of America is looking up their activities through small business credit cards.


Their business credit card package affords small businesses the opportunity to schedule electronic payments ahead of time Cheap College Jerseys Online , thereby freeing up a time consuming administrative task on the part of the business owner. Business credit card holders also get purchase protection, which doubles the manufacturer?s warranty period on purchases made by up to an additional year.


Credit lines for business credit card holders are flexible, and can go up to $25,000. The business? everyday business purchases earn discounts and cash backs too.


The bank has taken line of credit for business credit cards one step further. The small business credit card holders can now link their checking accounts in the bank with their business credit card. In the event that your checking account suffers an overdraft Cheap College Jerseys Free Shipping , the bank automatically extends its overdraft protection benefit. This means they will transfer funds, in multiples of $100, from your business credit card account to cover the overdraft.


This automatic loan against the business credit cards? line of credit should save small business owners a lot of embarrassment. The bank will extend this protection provided that there is sufficient credit remaining in the business credit card account and if the account is not in default under the Business Credit Card Agreement.


If your business credit card account cannot cover the overdraft, you may still have a problem though. To address that possibility Cheap College Jerseys From China , the bank will release sufficient funds even if it will cause your business credit card account to breach the pre-set credit limit. The business will be expected to settle this loan during the next payment period, but this facility can lift a heavy load from the business owner?s shoulders.


You may be concerned about financial charges. First of all, after the zero percent APR during the 9-month introductory period, your business credit card will be imposed a regular rate of prime rate plus either 6.99% or 9.99% APR (some other versions of the Bank of America business credit cards impose variable APR of either 15.24% or 18.24%).


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