How to be a leader:
1. Principle 3: Talk about your own mistakes first:
The first of the principles I applied was with a new co-worker. At the store I work at, we buy sporting equipment from people. Over this past weekend, a new employee, who’s only been with us for a few weeks, tried to buy some old lacrosse gloves from a neighbor of his. After the buy was complete, I was helping my co-worker hang up the equipment when I noticed a large hole in the palm of the glove, which meant we couldn’t buy the glove. To be honest, I wanted to directly draw attention to his mistake because this was an easy thing to avoid if he had been more careful. Instead I decided to use the principle from HTMFAIP and talked with my co-worker about a similar mistake I made when I was new. I used myself as an example to show him that it’s okay to be wrong sometimes. As embarrassing as it was to call myself out like that, it was worth it because it created a learning opportunity for my co-worker. I could tell he appreciated that I took the time to talk with him calmly, rather than harshly scolding him.
2. Principle 1: If you must find fault, this is the way to begin:
The second principle I applied was a few days ago at a local convenient store. I often go to a 7-11 on my way to work to get a bottle of water. I usually go to the same store, which has allowed me to become acquaintances with the cashier. Well, on this particular day, I noticed the water I usually got was on sale; buy 2 for $5. I picked up two bottles and got in line to check out. When I got to the front, the cashier charged me the regular price, which was more expensive than the special. Immediately, I wanted to give him attitude for the mistake, partially because I was already having a bad day, but instead I consciously applied the principles. I started by using his name and saying how polite he is and that I know customers appreciate small gestures like that. After I gave him the compliment, I corrected him on his mistake. To my delight, he didn’t get an attitude with me for correcting him, but instead thanked me for pointing it out and that he didn’t realize the water was on sale. This interaction is clear evidence that the principles from HTWFAIP are working.
Sunday, April 5, 2009
Revised Financing Options as of 4/5/09
1. Local Bank:
My first source of financing for my daycare center was my local bank, Tower Federal Credit Union. My bank offers an “EZ loan.” Using this type of loan you can request up to $20,000. According to TFCU. Org, “A personal line of credit, EZLine lets you borrow money for any purpose. With low, variable rates, credit limits range from $1,000 to $20,000. Interest is only charged on the funds you use and as you repay the principal, that money becomes available to you again.”
I viewed the application for the EZ loan and learned that it was a few pages in length and made up of simple to answer questions, like date of birth, insurance questions, etc. Also, I found the contact information of the Columbia Bank Manager; the Columbia branch is one of the main locations in Maryland.
Columbia Location:
Andrew Fitzgerald
Branch Manager
Mailing Address
Snowden Square
9021 Snowden Square Drive
Columbia, MD 21046
Phone 301-497-700
Fax 410-872-04670
2. Small Business Administration:
My second source of financing will come from the SBA. The SBA offers a type of loan called a Micro-Loan. The Microloan Program provides very small loans to start-up, newly established, or growing small business concerns. With this loan, you can barrow a maximum of $35,000. The applications for the Micro-loans are submitted to the intermediary lender and all credit decisions are made on the local level. The intermediary lender closest to my desired location is:
Maryland Capital Enterprises, Inc.
P.O. Box 1844
Salisbury, MD 21802
Executive Director: Hayley Gallagher
Microlending:
Phone: 410-546-1900
Fax: 410-546-9718
Phone:
Email:hgallagher@marylandcapital.org
My first source of financing for my daycare center was my local bank, Tower Federal Credit Union. My bank offers an “EZ loan.” Using this type of loan you can request up to $20,000. According to TFCU. Org, “A personal line of credit, EZLine lets you borrow money for any purpose. With low, variable rates, credit limits range from $1,000 to $20,000. Interest is only charged on the funds you use and as you repay the principal, that money becomes available to you again.”
I viewed the application for the EZ loan and learned that it was a few pages in length and made up of simple to answer questions, like date of birth, insurance questions, etc. Also, I found the contact information of the Columbia Bank Manager; the Columbia branch is one of the main locations in Maryland.
Columbia Location:
Andrew Fitzgerald
Branch Manager
Mailing Address
Snowden Square
9021 Snowden Square Drive
Columbia, MD 21046
Phone 301-497-700
Fax 410-872-04670
2. Small Business Administration:
My second source of financing will come from the SBA. The SBA offers a type of loan called a Micro-Loan. The Microloan Program provides very small loans to start-up, newly established, or growing small business concerns. With this loan, you can barrow a maximum of $35,000. The applications for the Micro-loans are submitted to the intermediary lender and all credit decisions are made on the local level. The intermediary lender closest to my desired location is:
Maryland Capital Enterprises, Inc.
P.O. Box 1844
Salisbury, MD 21802
Executive Director: Hayley Gallagher
Microlending:
Phone: 410-546-1900
Fax: 410-546-9718
Phone:
Email:hgallagher@marylandcapital.org
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