Category: Financial Planners

By Akhil Shahani

A small group of employees who come together to discuss with the management issues related to either quality control or improvement in production methods form a Quality Control Circle (QCC). These employees usually work in the same areas, and voluntarily meet on a regular basis to identify, analyze and solve their problems.

It is said that 95% of the problems in workshops can be solved through quality control tools. The Japanese have experienced this! The quality control tools useful for QCCs are Pareto Diagrams, Cause-and-Effect Diagrams, Stratification, Check Sheets, Histograms, Scatter Diagrams, Graphs and Control Charts. Also, logical thinking and experience are a must for solving problems.

The benefits of introducing a quality control circle program in the work place are many.

— Heightened quality awareness reveals faults in the system that might obstruct good practices.

— It improves the quality of your firm’s products and services, thereby increasing the value of your brand, and securing your customers’ confidence. The quality of customer relationship management can be further enhanced by using help desk software from the likes of auratech.com.au.

— The people who are part of the quality control circle will feel a sense of ownership for the project. Higher yields and lower rejection rates also result in enhanced job satisfaction for workers, which in turn drives them to contribute more.

— A quality control circle program also brings about improved two-way communication between the staff and the management.

— Finally, the financial benefits will certainly exceed the costs of implementing the program. A study revealed that some companies improved their savings ten fold!

Implementation involves the following broad steps:

— Firstly, the management is informed about the quality control circle process that is being planned.

— A committee is formed, and key persons such as a coordinator and in-house coach are selected.

— The scope is defined, and areas of application identified.

— First-line supervisors in the identified areas are given QCC presentations. It is important to make these impressive, and valuable tips on the subject are available at perspector.com.

— This is followed up with extensive training for coordinators and middle management on the process and their roles.

— Employees are invited to become members of a circle, and trained suitably once they sign up. Thus, a circle is formed and begins work. These may give rise to other circles.

— Problems are discussed and solved in a systematic manner in the QCCs. It is very important that solutions are implemented as quickly as possible, to maintain the momentum.

Usually QCC programs must operate in all sections of the company i.e., in the offices, service operations and manufacturing. But remember, while the size of the company is not important to a program’s success, the following factors certainly are:

— Voluntary participation.

— Management support.

— Employee empowerment.

— Training programs.

— Team work.

— Problem solving skills.

Generally, a quality control circle program requires the same framework as an ISO 9000 quality standard with regard to the management structure and training. Hence, QCCs should be part and parcel of your company’s Total Quality Management (TQM) initiative. For further information on QCCs, you could go through ‘Cases on Quality Control Circles’ available at amazon.com.

About the Author: Hi, I’m Akhil Shahani a serial entrepreneur who wants to help you succeed. If you like to work smart, check out

SmartEntrepreneur.net

. It’s full of articles and resources to help you start and grow your business successfully. Please visit us & download our special “Freebie of The Month”.

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Both forms of payment of pensions have their strengths and adapt to different people in different situations. Pensions can be a very complex issue to understand, so it is always advisable to seek expert advice before deciding to take a pension lump sum.

Retirement can be one of the most anticipated phases of his life only if treated with relaxation and sufficient funds to help you live a dignified life. To have a good post-retirement service time, there are some major decisions that you should think while you’re still young. A very important question that arises is – do you not want to receive pension at once, when you retire or would like a monthly fixed rate?

Taking the amount of the full pension right away can be very tempting, but in this case you have to Pensions Plans the management of money received. If you will not, will be at risk of losing all the money. Even if you hire someone to manage your money, there will be absolutely free of cost. The best option is to not worry so much about receiving money, but to set the amount to cover their basic needs. Taking the total amount of maintenance can lead to risky investments and money management fateful. Thus, taking the total amount, are always at risk.

Many people prefer the option of monthly income, as it guarantees a set amount on a monthly basis for life. The monthly payments are not infected by market value, the rate of inflation and other events around. A major drawback to the option monthly and carries with him is that rising inflation is that fixed sum may not be enough for the future.

A few pension payments will let you to have a Pension Lump Sum, if yours does than keep in mind that by accepting a pension lump sum shrinks the money in your pension fund. A financial advisor can weigh the pros and cons to. If you have any debt you need to pay the lump sum pension payment option may seem attractive, but this reduction is an important factor to consider.

So when talking to a financial advisor about lump sum pension payment choices you need to consider:

•Are you planning to settle existing debts?

•Would you like to pay off your mortgage with your lump sum pension payment?

•Are you looking to invest the cash elsewhere for even further in the future or to leave to your kids?

•Did you want to just place the money into savings?

Should you be considering taking a lump sum the main aspect to consider is:

•Will it benefit me and my family in the long run financially?

Follow the above given guidelines from financial advisor and get best pension lump sum advice from the expert.

Article Source: sooperarticles.com/finance-articles/investing-articles/seek-expert-advice-before-take-pension-lump-sum-623621.html

About Author:

Linda John-I am the director of mypensionscentre.co.uk running an International Cash in Pension Campaign. I am trying to discuss about Pension Lump Sum for all defined by tax rules.Author: John Linda

Submitted by: Jenni12 Powell

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