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    Hard Money Business Loan - The Facts About a Hard Money Business Loan
    The cost of starting up an enterprise is high; most advisers recommend that you have at least $50,000 capital on hand "just in case" when you begin your own venture. This is meant to be for unknown problems and glitches, not the actual equipment and running costs. You really need that buffer to create a comfort zone to allow your venture to operate until it takes off on its own. But cheer up. If starting an enterprise is costly, you can usually get all the advice you will ever need or want for free.But when this nest egg begins to decrease and your venture just hasn't taken off, how do you remain current on all of the financial obligations? Do you consider obtaining additional financing or is debt relief counseling a better solution?First of all, it is time to review what types of loans are being offered and which type you may already have. Every bank, savings and loan and credit union has a somewhat bewildering package of small business loans. Most of the loans offered are straightforward, unsecured loans that are based upon the overall credit picture of all of the partners, the overall plan, and the determination of the lender that you prospectus is sound. This sounds as though you will be facing quite a bit of scrutiny. Is there an alternative is you don’t get the money you need in this way? There are always alternatives, but it is important to determine if they are valid for your purpose.One alternative that may be offered is a hard money business loan. In opposition to an unsecured small business loan, a hard money business loan is secured against collateral that you put up. It is usually in the form of real property, such as an apartment building or office space that you already own. Some people offer their homes as collateral, a very bad idea since it mixes business and personal finances and it opens the door to real problems on all levels if the enterprise does not do well and prosper as planned.
    res of the company and about the industry. Most of the time…most of the HR professionals…don’t have this. Proper Communication also includes “Proper Listening” and that is also lacking in some of the HR-Professionals. “Understanding Human Behaviour” is another trait, which can help in addressing many problems.

    Why employees hate HR?

    Employees hate HR, when

    They don’t get solution for their problems.

    They don’t get proper information.

    There is communication gap.

    You fail to keep your words…your commitment.

    (Is there anything else that they expect from you?)

    Solution

    Of Course, “Proper Communicatio

    Vision, Mission & Purpose - Are you Guilty of Driving your Business without a Roadmap?
    Are you Guilty of Driving your Business without a Roadmap?For any business to succeed it must know what it is about. It must be able to explain what it is there to achieve, and where it ultimately wants to end up. Unfortunately the majority of businesses can’t describe, or don’t have a picture of what they are trying to become. Either it’s just not considered important enough, or people get so caught up in the daily running of the business that there’s no time for thinking beyond the next cycle.Having a vision and long term goals is essential. After all, if you don’t know where you are going, you’ll never know when you get there.Think of it this way. When you get into a car, turn on the engine and roll out of the driveway, 99.9% of the time you always have a destination in mind. Whether it’s the office, the fast food drive through or a town that is miles away, you know exactly where you are going. And because you know where you are going, you can choose from several routes to get there.Each route will take you where you want to go, but there may be pros and cons associated with choosing one over the other (traffic considerations, length of the trip and so on). Still, you can consciously choose a specific path, to meet your needs on that particular day.Now imagine getting into your car with no destination in mind. You wouldn’t know when to turn right or left, or when to stop altogether. You could go forwards or in reverse – depending on your mood. You could keep driving around aimlessly forever - until you run out of petrol or the car breaks down.Not having a long term destination for your business puts many business owners in the “aimless driving” category. If you don’t know where you are heading, then you can make any choice and go in any direction (including backwards). Plans are made based only on the current situation and short term goals. Decisions are taken without having a
    Background

    Recently in one of the HR-group…someone shared one statement, which was “All employees in all organizations hate HR. This is the statement of a high profile professional (other than HR) employee. So what is your experience?”

    No more information was provided by this person and if not less, we all exchanged close to 100 e-mails, discussing about the topic and throughout the discussion the originator of the debate, kept mum. Some people said few things in favour of HR and few people said against HR. At the end, we ended up by making few statements…having just difference of opinion. Few people went on to share one of the article, titled “Why we hate HR” written by Keith H Hammonds of FastCompany and posted on December 09, 2005.

    I interrogated the person who originated this debate in its current form and he shared two things, “This statement made in private and I didn’t react on it. For few days this statement haunted me and to know the experience from all HR professionals about this I circulated the mail” and “Even many HR professionals say HR is thankless job. Therefore I plainly put up the mail to get the experiences of all you”. After reading this, I didn’t know if I should laugh on the immaturity of this person and should get angry on his attitude.

    I have few questions for my fellow HR professionals and Business Managers, they are:

    1) Everyday as a person or professional you meet so many people; do all of them love you?

    2) Talking about profession, which is the profession, which is liked by all and sundry? Do you like lawyers…police personal…politicians? Why only to point at HR-Professional?

    3) How many of you Love George W. Bush and how many have you hate Osama Bin Ladin? How many of you love Tony Blair and hate Saddam Hussain?

    Challenges for HR Professionals

    Human Resource Professionals deals with the most difficult part of any organization – “Human Beings”. They are not machines. They have emotions, sentiments, different behaviour, different beliefs and culture. A part from that, we have Government, labour laws, and law enforcement body. Over and above that we have investors, management and board of directors. I don’t know, how you are expected to keep all these people happy?

    Competencies in HR Professionals

    Certainly, even HR professionals need to change the way they work. “Proper Communication”, I repeat, “Proper Communication” can solve most of your problems and issues. To have proper communication, one should have proper information about the labour laws, about business, about policies and procedures of the company and about the industry. Most of the time…most of the HR professionals…don’t have this. Proper Communication also includes “Proper Listening” and that is also lacking in some of the HR-Professionals. “Understanding Human Behaviour” is another trait, which can help in addressing many problems.

    Why employees hate HR?

    Employees hate HR, when

    They don’t get solution for their problems.

    They don’t get proper information.

    There is communication gap.

    You fail to keep your words…your commitment.

    (Is there anything else that they expect from you?)

    Solution

    Of Course, “Proper Communication

    Market Research - What's That Then?
    A definition first: A market is a group of customers (people or businesses) who may be interested in buying your product (goods or services.)People research for the following reasons: 1. Researching a market in order to produce a product to meet a perceived need. 2. Discovering the size of the potential market for a product. 3. Discovering what people want. 4. Deciding how much people would be willing to pay. 5. Understanding what encourages people to buy. 6. Understanding why a product you have is not selling. 7. Discovering who your potential competitors are. 8. Understanding what your competitors are doing in the market. 9. Deciding the best way to launch your product on the market. 10. Finding a niche – or hole in the market – that you can satisfy with one of your products.Once you have decided on what questions you want answering – there are two main market research methods – the direct and the indirect methods.• Direct: You go directly to your potential customers and ask them a series of questions. This is expensive and you need a standard set of questions plus some work afterwards in order to review the results. Usually potential customers are contacted via questionnaires or surveys. This can be done face to face, by telephone or via your web site. This kind of research is better for qualitative research such as what reactions to a product are, would you buy if…. etc? • Indirect: This is research on a topic – or question via the internet or via researching a particular database – such as the National Statistics etc. This kind of research is best for quantitative research – such as how many? Where they are? Etc.
    , titled “Why we hate HR” written by Keith H Hammonds of FastCompany and posted on December 09, 2005.

    I interrogated the person who originated this debate in its current form and he shared two things, “This statement made in private and I didn’t react on it. For few days this statement haunted me and to know the experience from all HR professionals about this I circulated the mail” and “Even many HR professionals say HR is thankless job. Therefore I plainly put up the mail to get the experiences of all you”. After reading this, I didn’t know if I should laugh on the immaturity of this person and should get angry on his attitude.

    I have few questions for my fellow HR professionals and Business Managers, they are:

    1) Everyday as a person or professional you meet so many people; do all of them love you?

    2) Talking about profession, which is the profession, which is liked by all and sundry? Do you like lawyers…police personal…politicians? Why only to point at HR-Professional?

    3) How many of you Love George W. Bush and how many have you hate Osama Bin Ladin? How many of you love Tony Blair and hate Saddam Hussain?

    Challenges for HR Professionals

    Human Resource Professionals deals with the most difficult part of any organization – “Human Beings”. They are not machines. They have emotions, sentiments, different behaviour, different beliefs and culture. A part from that, we have Government, labour laws, and law enforcement body. Over and above that we have investors, management and board of directors. I don’t know, how you are expected to keep all these people happy?

    Competencies in HR Professionals

    Certainly, even HR professionals need to change the way they work. “Proper Communication”, I repeat, “Proper Communication” can solve most of your problems and issues. To have proper communication, one should have proper information about the labour laws, about business, about policies and procedures of the company and about the industry. Most of the time…most of the HR professionals…don’t have this. Proper Communication also includes “Proper Listening” and that is also lacking in some of the HR-Professionals. “Understanding Human Behaviour” is another trait, which can help in addressing many problems.

    Why employees hate HR?

    Employees hate HR, when

    They don’t get solution for their problems.

    They don’t get proper information.

    There is communication gap.

    You fail to keep your words…your commitment.

    (Is there anything else that they expect from you?)

    Solution

    Of Course, “Proper Communicatio

    Conducting Pre-employment Background Checks
    With the infinite amounts of information being passed on the internet today, credit card frauds are happening in the information superhighway at an alarming rate. Though a lot of financial information attained for the use of credit card fraud are from the internet through means of phishing, a common and overlooked area of obtaining critical financial information is from within a company. Most businesses handle sensitive information. This may range from social security numbers, credit card information, drivers license information and other types of personal information. In order to safeguard and assure clients and customers that their information is being handled properly, it is the responsibility of the business owner to take the necessary steps in getting a thorough background checks on all their employees. Obtaining personal or professional references alone is not to be depended on solely.It is only obvious that the prospective candidate for employment to only give references to which they will be given positive feedbacks. Conducting a background check or an FCRA credited employee check will find things about the employee where the reference check cannot. Background checks will give you accurate and in-depth information regarding the candidate.Background checks cover a wide variety of information regarding your candidate. It encompasses, drivers license, character reference, personal acquaintances, criminal records, education records, court records, credit records and many more.Under the Fair Credit Reporting Act (FCRA), some background check information after a certain length of time cannot be used against the candidate. This includes but not limited bankruptcy, and other consumer information records. Criminal background checks, credit reporting, worker’s compensation claims and personal character reference are just a few available reports amongst the long list of types of background checks that are available. It
    ew questions for my fellow HR professionals and Business Managers, they are:

    1) Everyday as a person or professional you meet so many people; do all of them love you?

    2) Talking about profession, which is the profession, which is liked by all and sundry? Do you like lawyers…police personal…politicians? Why only to point at HR-Professional?

    3) How many of you Love George W. Bush and how many have you hate Osama Bin Ladin? How many of you love Tony Blair and hate Saddam Hussain?

    Challenges for HR Professionals

    Human Resource Professionals deals with the most difficult part of any organization – “Human Beings”. They are not machines. They have emotions, sentiments, different behaviour, different beliefs and culture. A part from that, we have Government, labour laws, and law enforcement body. Over and above that we have investors, management and board of directors. I don’t know, how you are expected to keep all these people happy?

    Competencies in HR Professionals

    Certainly, even HR professionals need to change the way they work. “Proper Communication”, I repeat, “Proper Communication” can solve most of your problems and issues. To have proper communication, one should have proper information about the labour laws, about business, about policies and procedures of the company and about the industry. Most of the time…most of the HR professionals…don’t have this. Proper Communication also includes “Proper Listening” and that is also lacking in some of the HR-Professionals. “Understanding Human Behaviour” is another trait, which can help in addressing many problems.

    Why employees hate HR?

    Employees hate HR, when

    They don’t get solution for their problems.

    They don’t get proper information.

    There is communication gap.

    You fail to keep your words…your commitment.

    (Is there anything else that they expect from you?)

    Solution

    Of Course, “Proper Communicatio

    The Top Nine Things A Doctor Needs To Know When Negotiating His Employment Contract
    The 9 Biggest Employment Concerns For A New Doctor1. Have they had associates before? How many? How long did they stay? Why did they leave?2. Were they forced to leave? Was it voluntary? Was it mutually agreeable? Was there any bad blood?3. Do they have a restrictive covenant for the physician employees? (A restrictive covenant is simply a promise from you that if you leave the Group for any reason, then you will not be able to practice medicine for a specific time within a specific location.)4. Has the Group ever had to go to Court to litigate a restrictive covenant? Why? This is a touchy question. By raising it, the Group might construe such a question as a feeler for whether they would ever go after you if you violated your restrictive covenant."Why would you raise the issue if you never intend to violate our restriction?" "Just curious, I guess," may not pass muster. Instead, simply tell them that you want to know if there have been any employment issues that have arisen in the Group that ended up in litigation. This way your question stays under the radar and nobody gets the wrong idea about your question.5. Is anyone in the Group currently involved in a malpractice case?6. Was anyone in the Group previously involved in a case?Was there a settlement or verdict against the group?7. Do these guys (or girls) testify as experts in malpractice or accident cases?8. Have any disputes with partners ever resulted in litigation?9. Has your Group ever dissolved and re-formed with new partners?The answers to these questions will help you analyze whether this is the right medical group for you to join. Remember, the more information you have before you sign, the better off you'll be during your negotiations and after you sign on the dotted line.
    t machines. They have emotions, sentiments, different behaviour, different beliefs and culture. A part from that, we have Government, labour laws, and law enforcement body. Over and above that we have investors, management and board of directors. I don’t know, how you are expected to keep all these people happy?

    Competencies in HR Professionals

    Certainly, even HR professionals need to change the way they work. “Proper Communication”, I repeat, “Proper Communication” can solve most of your problems and issues. To have proper communication, one should have proper information about the labour laws, about business, about policies and procedures of the company and about the industry. Most of the time…most of the HR professionals…don’t have this. Proper Communication also includes “Proper Listening” and that is also lacking in some of the HR-Professionals. “Understanding Human Behaviour” is another trait, which can help in addressing many problems.

    Why employees hate HR?

    Employees hate HR, when

    They don’t get solution for their problems.

    They don’t get proper information.

    There is communication gap.

    You fail to keep your words…your commitment.

    (Is there anything else that they expect from you?)

    Solution

    Of Course, “Proper Communicatio

    Eleven Solid Ways to Optimize Press Release
    It is an amazing thing that you find a press release for a particular product posted at a site that doesn’t meant for such commodity. Despite the fact, the press release drags you to the company's website that has no existence in any search engine listings.From this one can easily come to know about the influence of well optimized press release. How those press releases were able to get in search engines? Certainly, they were well crafted and efficiently optimized.On the other hand, you might have come across poorly written press releases that does not even augur keyword based ranking in news and search engines. Stuffing keywords in press releases would lead to spam subject, which are being distributed with a bare minimum.So, what we supposed to do? Write a simple release that does not contain keywords or key phrase? Here, a talented writer is required, who has the art of optimizing press releases with keywords. The well optimized and written press release will automatically haul reader’s interest to read it.Here are the eleven concrete guidelines to optimize the press release.1. Select proper Keywords: Selecting key word is the salient part of press release optimization. Be very careful while deciding on a keyword phrase that is relevant to the product or service you are offering. The best recommended tool to search keywords is wordtracker.com.2. Keyword or phrase placement: Be sure to place key phrase into the headline and the title of your press release. Try to repeat it nearly 2-3 times in the content of the release. You can put two links in your content. But, write “http://www.yoursite.com” instead of “yoursite.com”.3. Use product name repeatedly: Place repeated name of your service or product to make it eminent, stress on its common portrayal rather than its name. For example, write “Microsoft Word” instead of writing “MSWord”. This would result making your product’s name better and p
    res of the company and about the industry. Most of the time…most of the HR professionals…don’t have this. Proper Communication also includes “Proper Listening” and that is also lacking in some of the HR-Professionals. “Understanding Human Behaviour” is another trait, which can help in addressing many problems.

    Why employees hate HR?

    Employees hate HR, when

    They don’t get solution for their problems.

    They don’t get proper information.

    There is communication gap.

    You fail to keep your words…your commitment.

    (Is there anything else that they expect from you?)

    Solution

    Of Course, “Proper Communication” can solve many issues. If there is any query, give “legally supported” and “logically correct” solution. I also feel that as we are growing...as there are more and more mediums of communications...we are not communicating properly and I tell you...proper communication can solve many problems both at personal and professional front. Those people, your employees are not duffers or dumb…don’t try to be over-smart. Don’t lie to them. The day they come to know that the information provided by you is false or fake…they will start hating you.

    Customer Centric Approach

    This is the best way to know…where you are wrong? Why they hate you? And what are the areas of improvement? Treat them as your Customers and let the part of HR department behave as “Customer Service Centre”. Treat them the way you like to be treated when you are “Customer” and at the service centre of another service providers. As they say, “Don’t do what you don’t want other to do to you”…”Don’t serve the food that you don’t like to eat”.

    Conclusion and Love-Hate Equation

    I feel that it is one love-hate equation, where some people love you and some hates you. In a crowd of more than two people you cannot expect everyone to love you…everyone to agree with you. That has never happened and will never happen. There will always be few people who will love you and few to hate you. Only thing that you can do is that by your work…by your behaviour…by your attitude…you can have more people to love you…to love your profession and hate you and your profession. To tilt this equation, entirely depends on an individual, his style of working and his approach. Love-hate equation can be different in different company. No degree and no education can give you an assurance that all people will “Just” love you. You are MBA from Harvard, Oxford, London School of Business or IIM; you are certified by SHRM or CIPD; no institute can give you an assurance that your employee will always agree with you and will always love your work.

    As I said in one of my previous write-up…few people…just few people by their behaviour, work and attitude brings bad name for the organization, for the profession, for the community and for the country.

    ___________________________________________________________________________________

    Analysis of the Article by Rey Misoles is CEO and Managing Director of MaP Consulting Group, a consulting and training outfit for developing managerial competence. He is author of "Self Improvement & Success: Your 7-Day Self-Improvement and Success Program" – a `How to do it'

    Several weeks

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