Great Expectations

Deer In Headlines II

By Gery Deer

Everyone has expectations and they can have a profound effect on how we perceive reality. Unmet expectations can lead to disappointment, hurt feelings, and even anger. Conversely, those we achieve can leave us feeling fulfilled and successful.

Before I go on, it’s important to clarify that expectations are very different from “hopes.” Expectations depend on the actions or responses of others. Hope does not, it’s entirely internal. While they do often occur simultaneously, they are generated by very different aspects of our emotional state. And, since we are dealing with emotions here, there is no standard – expectations affect everyone differently.

Some lead us to create standards by which we expect ourselves and others to live, with the bar raised so high as to be completely unreachable. Sometimes our expectations are entangled with our personal aspirations, either of which can set us up for success, or crush us in the event of failure.

Expectations affect nearly every aspect of our lives, from our professional careers to personal relationships. What we want out of those experiences is often laid out in our minds well in advance. One of the big problems with expectations in any sort of relationship is that everyone has them, and most of the time they reside only in the mind, unshared.

When someone has unspoken expectations of you they set themselves up for disappointment. Not only is it unfair, but also unrealistic. That person is creating the potential for hurt feelings and will likely blame you, even if you did nothing to warrant the ill will. This can be observed when people have unrealistic expectations of how their life should be because they constantly compare it to something else, real or fictional. 

Take, for instance, someone who thinks the experience of dating or marriage should be like something they saw in a romantic comedy or novel. No question they’re in for one heck of a disappointment. But it happens, to men and women alike. Why? In this case, it’s unlikely any of those expectations are ever voiced because let’s face it, they would sound ridiculous.

Creating an environment for unrealized expectations is common in romantic relationships, but also among coworkers, and even between parents and children. Parents may very well inadvertently pass their own life expectations along to their kids. Those who have unfulfilled dreams could, and often do, however unknowingly, lay those expectations on their children.

Imagine a mother who had been a star athlete in high school and college but, for whatever reason, never made it to professional sports. She might, without meaning to, end up pushing her son or daughter into that same field, feeling as though she is simply sharing a positive experience, but instead harboring expectations of the child obtaining that which she failed to achieve. Living vicariously through them, she rediscovers her youth, hoping this time, for better success, even if it’s not hers. 

I was introduced to Charles Dickens’s classic novel, “Great Expectations,” in my sophomore year of high school (thank you Miss Fasbinder).  It is a compelling tale molded around the ambitions of a young orphan named, Philip Pirrip, otherwise known as, “Pip,” whose expectations robbed him of his ability to value much of the good in his life. 

The story follows the young man’s desire to use a chance inheritance to rise above his station and marry the girl of his dreams. No spoilers here, but I will tell you this. The assumptions Pip made early on turned out to be incorrect, not an uncommon mistake for anyone. As it turns out, expectations can be an incredibly powerful source of stress. Constantly trying to hit some arbitrary goal line can drive you crazy. So, how do we avoid all this disappointment? 

First, consider what really makes you happy and practice some gratitude for what you have. Don’t make comparisons and avoid the social media trap of trying to keep up with the perfect life of strangers. When your expectations far outrun your reality, you set yourself up for failure and unhappiness. Next, build up some emotional acceptance. If you’re regularly disappointed by others, it might very well be that your own undeclared expectations are what have let you down.

The Green Team BNI referral marketing group to hold visitor event April 13.

DAYTON, OH – The Green Team Chapter of Business Network International (BNI), will host a professional networking event and visitors’ day during their weekly meeting on Wednesday, April 13^th, from 7:30 to 9:30 AM at The Galleria, 4140 Linden Avenue in Dayton. The free, no-obligation session is open to all entrepreneurs, business managers, and salespeople in the Dayton/Miami Valley region.

The purpose of BNI is to help members create a wide-reaching, reciprocally profitable referral system free of internal competition, something unavailable from other professional networking options. Founded in 1985 by Dr. Ivan Misner, BNI now has more than 10,600 chapters worldwide that have earned its nearly 300,000 members more than $19 billion in revenue. The Green Team BNI Chapter is one of 17 in the Dayton, Ohio region.

The Green Team BNI is one of 17 chapters in the Dayton/Miami Valley region – and they’re growing!

Gery Deer is the founder and creative director of GLD Enterprises Communications, Ltd., a public relations and media firm in Jamestown, Ohio, and president of The Green Team BNI chapter. “In April of this year, my business celebrates 25 years, largely due to the professional connections and financial benefits of my BNI membership,” Deer said. “Our visitors day offers the opportunity to make new contacts and experience, first-hand, what profitable networking looks like.”

Along with a global networking opportunity, BNI members have access to regular webinars and support material to help sharpen their skills in everything from sales to public speaking. During each weekly meeting, members and visitors follow a specific agenda and are offered the opportunity to introduce themselves to the group and give a one-minute sales presentation. At this special visitor event, there will also be a special discussion about referral marketing in general and detailed information on the value of BNI.

Using the organizational philosophy called, “Givers Gain,” members exchange qualified, referrals rather than cold leads. “When members exchanged referrals in BNI, the giver has already communicated with the subject beforehand,” Deer explained. “Qualifying the referral before passing it, rather than giving a cold lead, nearly assures a closed sale.”

At present, the Green Team BNI Chapter is looking for applicants to fill a host of classifications including landscaper, home inspector, health insurance provider, property title agency, massage therapist, and more. Visitors are encouraged to bring plenty of business cards and invite others as well.

A brief visitor orientation will be held immediately following the business meeting. For more information visit the chapter’s website www.thegreenteambni.com or contact chapter Visitor Host, Mark Myers, at (937) 545-8587 or by email, mmyers@usavingsbank.com.

GLD Enterprises Communications, Ltd. signs an industry-diverse list of new Dayton area clients.

December 27, 2021 – Jamestown, Ohio -GLD Enterprises Communications, Ltd. (GLD (http://gldcommunications.com)), founder, and creative director, Gery Deer (https://www.linkedin.com/in/gerydeer/), has announced his firm has signed several new, high-profile local clients to kick-off an aggressive start to 2022. The new clientele adds to an already industry-diverse book of business that serves non-profits to mortgage lenders and launches an anniversary first quarter for the privately-held, Greene County, Ohio-based public relations and media communications firm.

http://www.gldcommunications.com

“We’re excited to be working with local organizations, which are mostly underserved by regional agencies who are often too busy trying to make a name with big, out-of-state clients,” Deer said. “Our PR and media services have a national reach, but I prefer to focus our work here at home, to maintain low overhead low and put our resources into serving the clients. I think clients deserve effective work, at a competitive cost, from a hometown agency that understands both their mission and their audience.”

As a result, GLD has turned its attention to the Dayton region, with work that varies both in industry and scope. In mid-December, the company became the public relations (PR) agency of record for the Beaver Creek Wetlands Association. The non-profit organization helps to preserve and protect the wetlands and in Greene County, Ohio region through conservation, education, recreational opportunities, and stewardship. 

Additionally, the Beavercreek Chamber of Commerce has also been signed as a technology and media communications consulting client. The agency assists with media production and technology issues and will play a role in the development and production of the chamber’s annual meeting in March.

Lastly, Young’s Jersey Dairy will be a featured title sponsor on the agency’s house production, “3-2-1 PROFITS – THE PODCAST (http://321profitspodcast.com).” Dan Young and his son John will be featured as part of a 2-part premiere of the program’s second season, dropping January 15th. As part of this project, GLD will serve as a media consultant for a proposed podcast from Young’s covering agricultural and related industry topics.

GLD Enterprises Communications, Ltd., was founded in 1997 by Gery L. Deer of Jamestown, Ohio, as part-time information technology and public relations firm. Less than a year later, the company had a full-time volume of sales and annual revenue that far outstripped Deer’s previous day job. Media Director Julie Barth joined the firm in 2019 to head up the audio-video department and helped to expand the firm’s capacity for full media production, including the development of several in-house productions, such as, “3-2-1 PROFITS – THE PODCAST.”

GLD Enterprises Communications, Ltd.
Creative Director, Gery Deer

Thanks to its creative structure and fully-remote staff, the agency was already positioned to thrive during the pandemic and continued throughout to service and onboard new work. Deer announced this latest list of work as the company prepares to launch its 25th-anniversary celebration that will run through Q1 of 2022. The commemoration will include a series of specially-themed public relations and audio-video production packages leading up to an exclusive live event in March and the relaunch of one of the company’s original services (TBA), and a few other surprises.

For more information or to learn more about GLD Enterprises Communications, Ltd., please call 937-675-6169 or visit gldcommunications.com (http://gldcommunications.com). Full details on services and promotions through the Beavercreek Chamber of Commerce here – https://www.youtube.com/watch?v=yw7_eJBwiE8&t=36s

Jamestown Advertising & PR Firm To Discontinue IT Support Services June 1

JAMESTOWN, OH – May 21, 2020 – GLD Enterprises Communications, Ltd., a 22-year-old advertising and public relations agency, based in Jamestown, Ohio, has announced it will discontinue the IT and technical support arm of the business as of June 1st of this year. Existing clients will be referred to local resources for continued service or provided with appropriate instructions for in-house technical staff to take over.

GLD Enterprises Communications, Ltd. merged with its sister company, Deer Computer Consulting, Ltd., in 2015 and continued to service existing tech support clients. Started in London, Ohio, in 1997, Deer Computer offered on-site support for computers and related technology, throughout southwest Ohio. Services ranged from hardware upgrades and software installations to tech consulting and networking support for small businesses. 

Once merged, GLD Enterprises Communications, Ltd. continued to offer a limited technology service under the parent flag but has moved further away from that to focus more on content marketing, video and audio production, and public relations.

“Deer Computer started as one of the first on-site, in-home technology support firms in this part of Ohio and it’s been a difficult choice to completely phase out that end of the business,” said the founder of both companies and CEO of GLD Enterprises Communications, Ltd., Gery L. Deer. 

“We have had some clients who were with us for nearly 20 years and we have always been grateful for their loyalty and confidence. It is our hope this move will allow us to continue to grow the creative production and content marketing side of our company in-part because of our deep technical experience.”

GLD Enterprises Communications, Ltd. technology clients can get more information on the change, by contacting their representative. Contact information is available on the company’s official website, http://www.gldenterprises.net.

Yellow Springs company, DMS ink, elevates inkjet capabilities

 

One-stop print shop opens the doors to new business opportunities

MELVILLE, N.Y., June 15, 2016 – Canon Solutions America, Inc., a wholly owned subsidiary of Canon U.S.A., Inc., today announced an advancement in its ongoing strategic relationship with DMS ink, a full-service direct mail marketing company located in Yellow Springs, Ohio. The installation of the Océ VarioPrint i300 and Océ ColorStream 3900 color digital presses in the DMS ink facility serves to expand their services to their customer base, and illustrates Canon Solutions America’s ongoing commitment to advancing customers’ print output through cutting-edge inkjet technologies.

DMS ink, formerly Dayton Mailing Services, recently moved its headquarters and most of its production to Yellow Springs, Ohio from Dayton.

DMS ink, originally known as Dayton Mailing Services, was founded in 1983. The company has thrived in the direct mail space for more than 30 years through its ability to adapt, staying at the forefront of the industry with cutting-edge concepts and solutions while serving a dynamic customer-base. Since its inception, DMS ink has been known throughout the region for providing best-in-class mailing services and handling its customer projects from design to distribution. With a team of dedicated professionals, the direct mail marketing leader helps a wide range of businesses including healthcare, financial, retail, insurance, and many others, to reduce their costs by offering unique capabilities that go beyond industry benchmarks.

As successful and reliable as DMS ink is within the mail marketing business landscape, to put an emphasis solely on those capabilities would be a disservice to a company that has recently expanded its operations to include leading data services and digital print offerings. Over the last five years, the Ohio-based full printing and fulfillment center has grown into a prosperous digital print provider that now boasts some of the most game-changing technologies that are redefining the industry. This transition began in early 2005 when DMS ink began its shift from a traditional letter shop to a variable data printing provider, and is most recently represented by the company’s acquisition of the Océ VarioPrint i300 sheet-fed inkjet press and the Océ ColorStream 3900 inkjet press. Since the arrival of these advanced presses, the early adopter of inkjet has opened the doors to even broader business opportunities.

“I cannot stress enough the level of activity and excitement within DMS ink as we continue our migration to a critical document company with state-of-the-art digital print capabilities,” said Christine Soward, president and owner of DMS ink, whose commitment to innovation and emerging technologies has grown the company’s revenue by double digits over the last several years. “The enthusiasm around our company is perhaps best highlighted by our purchase of what we feel is the product that will lead the charge in the industry-wide inkjet movement, the Océ VarioPrint i300.”

When DMS ink went to market for an answer to its crucial digital print needs, it specifically searched for improvements in print quality and a press that could provide commercial-type color at transactional-type costs. With a commitment to innovation, Soward and her team put an equal focus on finding a digital press that could help diversify their client roster and overall offerings while handling new and more diverse applications with an eye toward profitability. Additionally, DMS ink knew that with the emergence of new inkjet technologies, there was an answer to its ongoing quest to break down the barriers it was finding that pertained to offset printing, short-run jobs, postal optimization, one-on-one personalized communications, and the ability to maximize uptime.

“The new Océ products have allowed us to run jobs at an unbelievable rate and with incredible quality,” added Jim Hoffman, vice president of Business Development at DMS ink. “Of course you always want to get the most out of your investment, and with the Océ VarioPrint i300 and Océ ColorStream 3900 we can now fully leverage our finishing capabilities, which has resulted in heightened efficiency and automated workflows. Our core goal of becoming less of a mail house and more of a strategic partner has been greatly enhanced with the print functionality we now have with our newest acquisitions.”

Built to allow its users the ability to grow within a market that is evolving rapidly, the Océ VarioPrint i300 bridges the gap between the application flexibility and efficiency of sheet-fed presses and the economy and productivity of web-fed systems, without compromising quality. As witnessed by DMS ink, the digital press was designed to offer premium quality output with proven inkjet productivity and flexibility. Operating as the ideal complement to this leading press is the Océ ColorStream 3900 full color inkjet printer. Recognized as one of the fastest growing inkjet presses in the industry, its production and media flexibility enables a simplified transition of applications and business models to more sophisticated documents with variable personalization and smarter communication in color.

“With the confluence of new technologies and the ever-apparent shift to inkjet, we have dedicated ourselves to finding the best way for our customers to accelerate the offset-to-digital print migration with products that will set the bar for the inkjet movement,” said Francis A. McMahon, senior vice president, Marketing, Production Print Solutions, Canon Solutions America. “However, none of that is possible without feedback from our valued customers like DMS ink, which allows us to modify the technology to best fit their business goals and prepare them for expansive growth.”

The collaboration between Canon Solutions America and DMS ink did not end with the installation of the Océ VarioPrint. With the intention to migrate the rest of its inkjet products and to further enhance its workflow, DMS ink additionally implemented the Océ PRISMAproduction print workflow and output management system. This addition is set to provide DMS ink with the ability to create a unified platform for mid to high volume, high speed printing for its entire production print fleet.

“This is very much a time of change and growth here at DMS ink, and we could not be more excited to experience that growth alongside Canon Solutions America,” added Soward. “The future looks bright for DMS ink and our customers!”

 

About DMS ink
DMS ink (formerly Dayton Mailing Services) has thrived in the direct mail, digital print, and data management industries for more than 30 years. Their goal is to become a true partner to their customers and an extension of their business through trust and dedication. DMS ink provides innovative, cutting edge solutions using the latest technology to increase capabilities, improve efficiency and reduce costs, while maximizing consumer response and meeting the needs of the client. DMS is a minority and woman owned certified business serving clients nationally. Their unique capabilities are sought by a wide range of businesses from healthcare, financial, retail, political, energy, automotive, non-profits, and many others that require full project management of design, material acquisitions, complex data programming, variable content, printing, fulfillment and mailing services.

About Canon Solutions America, Inc.

Canon Solutions America provides industry leading enterprise, production, and large format printing solutions, supported by exceptional professional service offerings. With the technology offerings of the Canon and Océ brands, Canon Solutions America helps companies of all sizes improve sustainability, increase efficiency, and control costs through high volume, continuous feed, digital and traditional printing, and document management solutions. A wholly owned subsidiary of Canon U.S.A., Inc., Canon Solutions America is headquartered in Melville, N.Y. and has sales and service locations across the U.S. For more information on Canon Solutions America, please visit csa.canon.com.

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Canon is a registered trademark of Canon Inc. in the United States and elsewhere. Océ is a registered trademark of Océ-Technologies B.V. in the United States and elsewhere. All other referenced product names and marks are trademarks of their respective owners and are hereby acknowledged.

© 2016 Canon Solutions America, Inc. All rights reserved.

Jamestown communications firm adds IT services

JAMESTOWN, OH – Jamestown-based marketing and PR firm GLD Enterprises Commercial Writing has announced it has merged services with its sister company, Deer Computer Consulting, Ltd., as of January 1, 2015 under the new name, GLD Enterprises Communications. The move combines on-site IT and computer support with the firm’s current line of business communications services.

Deer Computer Consulting, Ltd. was founded in March of 1998 by Jamestown, Ohio entrepreneur and author, Gery L. Deer. The company provides a wide range of technology support for home and small business users including computer repair, mobile device service, anti-virus and Internet security, document management and digital integration.

Shortly after the IT support business proved to be successful, Deer created a second start-up focused on entertainment and marketing that eventually became, “GLD Enterprises.” Both companies have operated simultaneously, but separately, until some market research indicated how much clients would benefit by the unique blend of services.

Writer, Entrepreneur Gery L. Deer, owner of GLD Enterprises Communications.

“Without our technology to provide us with a means of exchanging information, the rest of our communications material is pretty useless,” said Deer about the pairing of seemingly very different businesses. “We already provide both levels of service to many of our clients. Now it will be more convenient for customers to take advantage of everything we offer.”

Deer noted that his company was one of the first in the area to offer on-site computer service and has never been a marketing arm for a retail company like many of its competitors.  “My goal has always been to make the technology suit the user, not the other way around,” Deer explained. “Most tech support people have stuff to sell and do their best to shoe-horn hardware and software into a user’s life without much regard for how it is used or the needs of the customer.”

Until now, GLD Enterprises has primarily serviced the commercial communications market. But Deer explained that, “By adding the Deer Computer Consulting line of services, we are able to expand into the residential base as well. This adds another revenue stream to our business and allows us to better support our customers, all under one roof.”

According to Julie Hicks, GLD Enterprises business development manager, “Current customers of Deer Computer Consulting, Ltd. will remain so with no changes in service or rates. And, as always, we will still come to you.”

GLD Enterprises Communications updated logo. The red circle signifies the addition of “technology support” to the company’s offerings.

GLD Enterprises Communications has no store front but operates only as an on-site support service and there are no plans for a change. “Excessive, unnecessary overhead kills small business and the consumer shouldn’t have to pay for the business owner’s extravagance,” said Deer, who is also a prolific business writer and the resident consumer expert for the WDTN-TV2 daytime television program, “Living Dayton.”

A full list of the company’s services is available online at http://www.gldenterprises.net or by calling (937) 902-4857.

 

 

 

 

Back to school open house focuses on computer security

BEAVERCREEK, OH – On Saturday, July 26, Computer Troubleshooters of Beavercreek (CTB), located at 3792 Dayton-Xenia Rd. Beavercreek, Ohio 45432, will host a free open house from 10 a.m. until 3 p.m. to promote student computer security. The event is free, open to the public and will include refreshments, door prize drawings and special deals and information related to keeping student computers secure on campus this school year.

As part of an international network of independently owned franchises, Computer Troubleshooters provides complete information technology (IT) support for residential and commercial clients. Services range from basic, home computer repair and managed business services to cloud computing for advanced medical documentation.

Cliff Brust, president of Computer Troubleshooters in Beavercreek suggests that students are at some of the highest risk of technology theft and data loss. “We’ll be providing information and some free offers with purchase of new hardware,” Brust says. “But most importantly, we want to help parents and students understand how vulnerable their data is to loss and hardware to theft.” Brust offers a few tips in the meantime.

“First, lock up your laptops and smart phones, and don’t leave them unattended – anywhere.” he says. “Many laptops include a slot designed to accept a special cable lock. Wrap the cable around something big and hard to move, insert the lock into the laptop and turn the key or combination. A determined thief could still get the device loose but only by damaging the unit and diminishing its value. Remember, it’s generally the cash from resale of the unit that the thief is interested in, not the data.”

“Next, always use password protection,” Brust advises. “Yes, it is fast and convenient to turn on your computer and have it go right to the desktop, but it’s not safe. You have to password-protect your user account and disable the guest account. When you step away from your computer a quick press of the Windows Key and L will lock your user account. Be sure to manage your passwords also, and keep track of them. Don’t use the same one for everything.”

Brust also reminds students, “Protect your email, don’t share sensitive log-in information with anyone and always keep antivirus and anti-malware software up to date and running.” His final suggestion relates to the use of public wireless Internet hot spots.

“Whether you’re using the school’s network or a free Wi-Fi in a coffee shop your connection could be snooped. Using a VPN (Virtual Private Network) will protect your connection and let you surf anonymously. There are plenty of good free VPN clients to choose from so use one and protect yourself.”

Brust hopes the open house will give visitors the opportunity to learn more about keeping computers and smart phones safe and secure, on and off campus. “Planning and prevention are the keys to protecting your devices and your data,” he says. “Protection plans and keeping security software up to date can go a long way towards keeping important files from being lost. We can help people with the right solution for their needs.”

Computer Troubleshooters is located just west of N. Fairfield Rd., situated between Knollwood Garden Center and Capitol Dry Cleaners. For more information about computer security, call (937) 458-2000 or visit them online at http://www.ctbeavercreek.com.

 

All In One from CMG Financial pays off mortage faster, builds equity

By Gery L. Deer

Business Editor

With interest rates at historic lows, American homeowners are constantly on the lookout for the best way to pay off a mortgage loan at the lowest cost and in the shortest time. CMG Financial has a loan solution, just made available in Ohio, specifically designed to help borrowers put idle money to work reducing mortgage debt.

CMG Financial was established in 1993 as a privately held, mortgage-banking firm based in San Ramon, California. The company is widely known for responsible lending practices, industry and consumer advocacy, operational efficiency and market innovation.  Among those innovations is what the company refers to as the All in One mortgage.

Joseph P. Beach is the Ohio Operations manager at the firm’s Dayton area office, opened in 2011, and a thirteen-year veteran of the mortgage industry. “The All in One mortgage has been offered in California since 2005, but is now available in Ohio and seven other Midwest states exclusively from CMG,” Beach says. “It’s designed to benefit the disciplined borrower who is interested in paying off their mortgage and growing the equity funds available as fast as possible.

According to CMG Financial, this type of mortgage option has been available in England, Canada and Australia, where interest regulations are different. Essentially, the All in One mortgage, “Puts lazy money to work.” That is, money that would normally just sit in a checking account doing nothing is used to lower the balance of the mortgage loan until the cash is needed elsewhere.  The idea is to lower the total interest expense over the term of the loan by paying down the balance right from the beginning using the idle cash in checking, certificates of deposit and other low interest-earning accounts.

Beach notes that there are some specific advantages to the All in One mortgage, unavailable under other products. “A borrower can significantly cut the total interest expense over the life of the loan, pay off your mortgage in as little as seven years with no change to your spending habits, and still be able to access home equity 24 hours a day, seven days a week, without refinancing.

Popular economist and author Ben Stein has personally endorsed the CMG loan stating in a promotional video now available on YouTube, “I think it’s the greatest invention in personal finance in my lifetime.”

Of course, the All in One is not for everyone and certainly not a product for those in an upside down or problematic financial situation. Beach’s description of a “disciplined borrower” is very accurate. To qualify, borrowers require a credit score exceeding 700, are active savers and use funds that would normally be sitting in a checking account earning minimal interest.

For more information, contact Joe Beach at CMG Financial’s Dayton office by calling, (937) 937-723-8095 or email jbeach@cmgfi.com. The All in One was patent protected in 2009 and is a trademarked mortgage product of CMG Financial. Catch Joe Beach on WDTN-TV2’s “Living Dayton” program, 12-Noon, Thursday July 10.

Too much rides on a credit score

For all the important numbers in the life of the average American, the credit score seems to wield the most power. It’s hard to imagine how three little digits could determine how an individual will live his or her life, regardless of the circumstances that created it and with the average person having virtually no understanding of what it is or how it’s calculated.

Credit scores determine how much a consumer will have to pay for credit (as interest rates), insurance, and other necessities. For many years, the credit score was a value hidden from the consumer because Fair Isaac and Company, the firm which created the process, decided it would just be too confusing to the general public. (Of course, that’s the usual excuse offered up by big business and government agencies trying to dupe the general public.)

That’s little comfort, however, to those who have been held hostage by the credit reporting companies for decades. Almost since inception, credit data has been full of inaccuracies and misinformation, a problem to which consumers have had little (practical) recourse other than the slow, usually pointless, process required to amend a report.

As of 2012, the Consumer Financial Protection Bureau was charged with the oversight of personal credit rating companies. With countless rule changes over the years, the Fair Credit Reporting Act finally forced at least some restrictions on the credit rating companies. The FCRA is the legislation that required companies like TransUnion, Experian and Equifax to provide free credit report, limit outside access to personal credit files, initiate identity theft protections and other consumer defense measures. Click here for a downloadable version of the Fair Credit Reporting Act is available.

Regardless of the current legislation, however, credit monitoring and reporting services still have entirely too much power and control over the general lives of consumers. A credit report (and score) whether accurate or not, can limit access to vital, day-to-day needs like transportation and employment.

Considering how much inaccuracy can exist or the irrelevancy of the information to the situation, it’s bewildering how it is legal for employers to reject applicants based on a credit score. In another example, how is it permitted that credit score can determine whether someone should be provided with car insurance, particularly when coverage is mandated by the government?

Whatever more ignorant people choose to believe a low credit score doesn’t always mean a person is unwilling to pay their bills or is inept at handling money. Sometimes circumstances change, as with the predatory lending practices that contributed to the housing market crash of 2008.

Likewise, although there is a higher risk in lending to people with a sorted credit history, almost no one takes into account how the score got so tarnished. On the heels of the worst recession in U.S. history, the credit rating process seems almost backwards to the average consumer.

If you can afford a higher rate and larger payment, you get a lower one, and vice versa. A person may be in desperate need of a car or renters insurance but, because of a lower credit score, they are charged significantly higher rates and payments. Wouldn’t it make more sense to offer those people lower rates and payments, making it more likely they can pay on time and help shore up the economy in the process?

The consumer should always keep in mind that the credit reporting organizations are private sector businesses, not government agencies. They are not affiliated with the Federal Trade Commission in any way nor any other government office. Credit scores are big business for those companies that calculate and report them.

In the first quarter of 2014, TransUnion, one of the three largest firms, reported earnings just over $303 million. That’s just for one credit reporting company over three months! So, with billions of dollars in revenue at stake, there is little to no motivation for limiting the power of these companies. It’s a sure bet that lobbyists for the credit reporting companies are well-entrenched in Washington, greasing all of the appropriate palms to make sure that the “have nots” never catch up to the 1-percent.

 

The Jamestown Comet.com editor / publisher Gery L. Deer is an independent columnist and business contributor to WDTN-TV2’s Living Dayton program. More at http://www.gerydeer.com.

 

 

 

Reward yourself for a job well done.

Do you hate your job? You might be surprised how many people despise their work. Even those making upwards of six figures can find the grind most tedious and would do nearly anything to change it. So why don’t they? Chances are, especially at the high end, people have locked themselves into a lifestyle that requires a certain level of money and position that becomes inescapable, or so they think.

If you were one of the millions of folks displaced from a job during the recession, you’re just counting your blessings and dealing with whatever unpleasantness comes along at work. Whatever the reason for staying, there are many reasons why people hate their jobs.

Much of what causes people to dislike their jobs has to do with a lack of obvious appreciation or recognition for your efforts. It takes more than a paycheck to feel fulfilled in your profession and most people don’t get the recognition they feel they deserve for hard work and dedicated service.

Recognition can also come from promotion and a change in responsibilities which can offer more challenges to your day, as well as a better paycheck. If you don’t have opportunities to grow within an organization, you’re likely to feel stifled and unproductive. That will eat away at you over time.

Another reason for someone might feel badly in their job is when they feel they’re meant to do something else or went to school for something entirely different. We all have had moments when we thought we should be something else. I grew up thinking I was going to be a doctor. When I finally enrolled in a pre-med program, I found I really didn’t like it and transferred into an engineering track.

Despite what the academics would like us to believe, very few people really know what they want to do at the age of 18 when society is telling us to choose a lifelong career. The fact is we’re just not that grown up yet and, if we think we are and choose a direction, it often change with age and experience.

So what do you do if you are one of those who is just plain unhappy at work? First, it might be a good idea to try to find another job. Don’t wait until you lose the one you have to be looking for something better. Knee-jerk reactions to an employment crisis rarely bring about good change in life, instead just leading to more of the same mediocrity. Get out there and start looking and interviewing for the kind of work you really feel like you want to do, provided it meets your financial and professional qualifications.

Secondly, if changing jobs isn’t a practical option right now, try to provide yourself with some self-rewards and do things throughout the week to make your situation more enjoyable. As an independent worker and small business owner, I don’t get “rewards” for what I do all day. There is no employee of the month or chance for promotion. I’m as high up as I get and, unless the cat learns to use the printer, it’s doubtful I’m going to receive a certificate for outstanding performance anytime soon.

I still need to stay motivated, though, and so do you. So set up rewards for yourself throughout the week. For example, say you have a big project coming up that may test your patience and tolerance of others. Instead of going home stressed every night, establish yourself some rewards for hanging in there. Schedule a special lunch with a friend or ice cream after work. Go to a movie with your significant other in the middle of the week or even plan for a day off if possible.

These observations merely brush the surface of why people might hate their job, but it’s a start. Having a plan to help yourself better enjoy your work will reduce your stress level and increase your productivity. It will also make you less dependent on others for personal growth and self-worth. More importantly, developing a system of self-reward is something you can take with you.

Gery L. Deer is an independent columnist and business writer based in Jamestown, OH. More at http://www.gerydeer.com.