Golf Apparel

When it comes to golf apparel, you really have many choices available.  What to wear isn’t always first on the golfer’s mind, but choosing the right golf apparel can make a difference in playing well and playing not so well.  It’s true!

Many golf clubs have rules as to what golf apparel is acceptable on their course.  This usually means no tank tops or short shorts, all players must wear shirts with collars, and no jeans are allowed.  Other courses are less restrictive in their clothing and you can choose what you want to wear as long as it is tasteful.

Generally male golfers will wear khaki pants and a collared polo shirt.  In warm weather, fitted shorts are generally permitted as part of the golf apparel.  Most men will also opt for a hat to keep the sun out of their eyes.

Golf apparel for women, however, can run the gamut.  Golf skirts are very popular for female golfers because they are less restrictive, but others opt for shorts or loose pants.  Polo shirts are also worn by women – some sleeveless polos are also allowed on upscale courses.  Women tend to opt for visors to keep the sun away although hats are another option.

When choosing your golf apparel, you should take care that the clothing is not too restrictive.  You will want plenty of room to move around because your golf swing depends on your body moving in a fluid, smooth motion.  There’s nothing worse than clothing that is too tight – especially on the golf course.

When choosing pants or shorts, it’s convenient to have pockets.  Many golfers like to have pockets so they can carry golf tees, divot fixers, ball markers, and even extra balls, although we don’t recommend the latter as it can throw off your swing quite a bit.

You will want to choose clothes that are made of lightweight, breathable fabrics – especially if you golf primarily in cold weather.  Many manufacturers of golf apparel know this and keep it mind during production, so it shouldn’t be difficult to find clothing like this.

You can find adequate golf apparel in many places.  Golf course pro shops will carry specific lines of golf clothing that will conform to their dress code, but they will be a bit more expensive than buying them in a store.  Find a golf store and you will find a great selection of golf apparel to choose from.  Finally, you can get some great deal on golf apparel on the Internet in many, many places, often at discount prices.

Written by lanzezekiel
Thinking.

Swagbucks……earn Gift Cards, Apparel, Music, Electronics Just For Search The Web!

WHAT IS SWAGBUCKS, Well here you go! (Explanation & Pictures)

I’ve been asked this question by several people,
I will try and explain it to you and if you have any questions, please feel free to ask.

A Swag Buck is a “digital dollar.”

When you search through Swagbucks, http://www.swagbucks.com/refer/LRBlock Its like using google only they reward you with digital dollars for searching with them and the results come from both google and ask.com.You will usually win around 1-5 times a day and they appear with your search on your screen. You save them up until you have enough to cash out for a prize. They have just about everything you can imagine….books, gift cards, toys, apparel, electronics, music (just to name a few)

It takes no extra time because your already searching the web, it cost nothing, there is no spam, no emails, there is no shipping fee’s and its extremely easy to win them! Even after you sign up, you are under no obligation to continue using it! I’ve been using it for over just over 9 months now and have received over 0 in Amazon gift cards, nearly 0 in Paypal gift cards , 6 new Wii games, (2) crazy dog tshirts and have been able to buy a few gifts this year for the kids by using them! Here is the link to sign up today and get 60 swagbucks for signing up! http://www.swagbucks.com/refer/LRBlock Your already searching the web, might as well get paid for it!

I PREFER TO SEARCH SWAGBUCKS USING THE TOOLBAR BECAUSE IT IS ALWAYS VISIBLE (you can do that by going to swagbucks homepage and at the top says TOOLBARS) Then you will see where it says SWAGBUCKS and a search box, search anything!! Facebook, myspace, yahoo, google earth, homework, frogs, mapquest, twitter ANYTHING and 1-5 times a day you will win swagbucks in different increments! You can also just use the homepage where it says “search and win” and there is also a search box there. Have a look at the pictures to see some of what we have received FREE thanks to Swagbucks!!

Written by LRBlock

Must have motorcycle Apparel

If you just have bought a motorcycle for yourself, then you need to focus on buying yourself a motorcycle apparel to ensure your safety and comfort on the road. The word apparel usually brings the image of a helmet, boots and pants, but it has more accessories than that. So below here are some accessories, you should consider and make sure you are not missing anything.

Here are some accessories, which manage to keeps you either cool on hot day or warm on a cold day. Usually these accessories are neck wraps, jackets, water bottles, thumb warmers and the list goes on.

You have to keep your body temperature consistent, when you are riding your bike. Your vision, judgment, reactions and balance all depend upon your body temperature. These accessories help you to maintain this temperature.

In cold days, plug in items providing heat become hugely popular. These items make your ride safer and make you cover your distance much easily. These are easily manageable but sometimes overflow motorcycle’s battery power.

On the contrary, cooling vest provides you coolness, which make you feel as if you are sitting in an air-conditioned atmosphere. These make a hot day ride bearable. However, no matter what, try to hydrate your body by drinking a lot of water.

Neck wraps usually keep the temperature constant to regulate the blood flow to the brain. These items also give body protection against cold and hot winds, which can cause hypothermia or heat stroke, by making your blood either too hot or too cold. In winter, try to use neck wraps made of fleece and those also, which can hold water during the summer time.

Want to have a good attention, try to get reflective strips, which because of their bright colors would bring you in focus in no time. Usually 3M is a nice choice. You can place these strips on your helmet, jacket, and bike and even on your pants.

Never underestimate the advantages of buying a rain suite. These rain suites are available in both one and two-piece suits and you can put them under your seat as these can be wrapped up in a small heap. Rain suits are much more appropriate than getting wet in rain or trying to put shopper bag on you.

If you do not want to spend a lot of money to buy expensive suites then there are many cheap items worth consideration, which would give your ride a boost. Surely, you will not like to feel yucky by getting yourself too cold or too hot.

In addition, it would be good to have tools like zip ties, electrical tape or even a tie gauge. These tools of course cannot be worn but are handy and worth consideration.

So if you want to enjoy your ride then motorcycle apparel is would really help you in enjoying. Now finally if you are not much cold and not much warm and relaxed as well, then you’ll have a very nice time and will enjoy your ride. Cheers!

Written by fahadali

More Apparel Articles

Finest And Worst Baby Automotive Seats

style=”text-align:justify;”>
With so many child car seat models being offered, many new dad and mom really feel overwhelmed and stressed about which one is the best choice.  It’s such an necessary decision!  The last thing you’d want is to have your child in a child automotive seat that does not present the utmost quantity of protection in your child in the event that you’ve a automobile crash.

One of many great issues concerning the Web is that you may analysis just about anything within the comfort of your own home.  Certain, there’s a lot of trivial, ineffective stuff on the market, but there’s also plenty of sensible data we will use in our everyday lives.  Relating to researching one thing like a baby car seat, consumer protection organizations typically have elaborate websites that are the proper locations to get what you need.

Shopper Reviews is a well-known organization devoted to giving customers detailed information about products of all kinds – including your subsequent child automotive seat.  In Might, 2005, the great people at Client Stories performed a detailed check of a number of brands of automotive seats.  They wanted to seek out the perfect (and worst) child car seat being offered, based mostly on crash safety, ease of use, and proper car fit.  Listed below are the results for each toddler automobile seats and convertible automobile seats.

Greatest & Worst Infant Baby Car Seat

An infant child automobile seat is made for babies up to about 20 lbs. (start to 9 months).  In this category, the very best child car seat was the Britax Companion.  It rated ‘Very Good to Excellent’ on crash protection, ‘Very Good’ on ease of use, and ‘Glorious’ on automobile fit.  The only downside with this mannequin of baby car seat was price.  At 0, it was among the highest priced seats on the market.

The child automotive seat that scored lowest (of those tested) was the Evenflo PortAbout 5 (Premier Consolation Touch).  It rated only ‘Honest to Good’ on crash safety, ‘Very Good’ on ease of use, and ‘Wonderful’ on car fit.  Whereas it scored among the highest within the latter two categories, the first concern with any baby automotive seat is safety, and this one simply doesn’t go muster.

Best & Worst Convertible Child Automotive Seat

A convertible child automobile seat is designed for youngsters as much as about 35 lbs. in rear-dealing with fashions and as much as forty lbs. for entrance-going through seats.  Among these child seats, the Evenflo Titan 5 scored a formidable ‘Glorious’ ranking in both crash safety and automobile fit.  It rated ‘Very Good’ on ease of use.  Total, this is a superb baby automotive seat!

The worst score on this category was given to the Britax Marathon child car seat.  The one real downside with this model is the latch, which had some issues and drove the scores down for crash protection and automobile fit.  It’s still rated ‘Glorious’ in a number of categories, so even this baby automotive seat isn’t a nasty buy.  You just need to ensure that the latch works properly in your particular vehicle.

Written by Mukhtarifin Mukhtarifin
I love writing and online business : http://www.myxenia.com/ and http://www.artist.web.id.com/

Baby Car Seat Covers – Your Quick Review

With business world today, manufacturers are making diverse products to vend in the market. They are in hunt of things that would be practical as well as profitable to the customers. Building and evaluating the company’s various kinds of goods is part of the work. The products they have tailored are the baby car seat covers which are essential for the babies’ protection and console. Manufacturers have well thought-out the idea that each day a baby is born and they would surely make it an outlook that the parents of those babies they will buy their products.

More often than not, seat covers have designs that must be striking enough to let somebody see that the product is fine-looking, adorable and could give a dramatic look to babies. What are usual with the baby car seat covers are the colors which are animated in nature such as the colors blue, green and pink. The colors of the textile are much loved colors of a tot having the apt age. The designs that are generally made with these baby car seat covers are noticeable. That’s why, cartoon characters are considered to be the unparalleled favorites of babies.

From time to time, you can’t easily acquire the baby car seat covers you are searching for which has the similar trademark or form of your car seat. There are car seats which are produced and designed in a fashioned way where it typically fits on any car seat. But these seat covers are of modified fit and designed for your specific car seat. They are nicely fitted and would work as what the item is intended to do. Its work is to retain the car seat’s beauty even with the spit ups, spills or other usual occurrences that happen as the baby develops and grows. These seat covers are abundant in the market where unique manufacturers are the source.

But what matters most with car seat covers are not about the look and the adorable, delightful colors. Baby car seat covers are meant to defend your child from danger due to any loose accessories or items that can be the source of harm to the child. Loose fitting covers, can slip and pull on the infant or worse, make the child’s alignment off-center and injure the baby rather than for protecting it. The stitching is also significant, for durability of the baby car seat covers are unquestionable. The stitching is doubly essential if the parent along with their children stay in areas with ruthless winters, or rainy climates. Seat covers are significantly prepared to tolerate moisture.

The important role of baby car seat covers is guarding your child from any harm or grievance that may come to pass anytime. These car seats along with the covers make sure the child is in place and won’t get the baby into any problem. It is the dispute then for the manufacturers to generate new model of car seats as well as seat covers that is not detrimental for the babies.

Therefore, parents should choose which baby car seat covers are best for their babies that could serve it purpose. It must be reliable of its quality over its design or style. Safety and comfort of the child has to be considered and must be made as a top priority.

Written by JanelleB76

A Few Pointers to Ensure Your Child’s Safety in a Child Car Seat

The holiday is a perfect scene in which we see families visit relatives and friends, exchange gifts, and have dinner together.  Packed in their car and in full force, from the parents to the youngest child, they drive across cities, towns and states to share every happy moment of the occasion with their loved ones.  This is perhaps an equally perfect time to remind all that as with any type of travel – whether by air, sea, or land – the safety of everyone should be of prime importance, especially to the most responsible persons in the traveling group.

It isn’t enough that a child is placed in a child car seat when traveling in a car.  There are certain measures or steps parents must take to ensure that their young child traveling with them in a car is secured in the child safety seat.  To start with, there are certain rules to follow when buying a child car safety seat.  The child’s weight, height, and age should be considered, along with the compatibility of the child car seat with the seat-belt system of the car.

For example, until babies weigh about twenty pounds (or about nine kilograms) and are able to sit up (usually between the ages ten and twelve months), parents must make them ride in the car facing rearward.  A child, who is not developmentally ready, though weighing twenty pounds, should be shifted to a rear-facing convertible child car seat.  As the child grows, the convertible child car seat may be adjusted to forward-facing (from rearward-facing).

There are basically two types of this seat which you can purchase:  the harness-and-shield combination type and the type with just a harness.  Most parents, however, prefer to use the latter for their babies.  This is because the shield in the other type tends to come up too high, usually above the baby’s chest.  Other parents also think the harness-only type is much better for their toddlers since the straps are able to hold the hips and thighs more securely than shields can.  One drawback of the harness-only type is that its straps may become coiled, which isn’t the case for the shields.

For children weighing forty to sixty pounds (about eighteen to twenty-seven kilograms), a booster seat is highly recommended.  This is because at this weight range, the child may already be too big for a convertible child car seat, yet still too small to use the regular car seat belt.  Booster seats come in different styles, and each one must conform to the seat-belt system of the car.  Among the various styles, the one that affords the best protection is the high-back, belt-positioning type used in conjunction with the lap and shoulder belts of the car.

As with buying the right type of child car seat, installing and using it properly is equally important.  Be sure to follow every instruction indicated in both the child car seat manufacturer’s manual and the car owner’s manual.  The harness of the child car seat should first be tested to ensure that it fits closely and comfortably.  A good way to do this is to make sure that you are able to fit only a finger between your child and the straps.  The car’s seat belt should likewise be checked to ensure that the child car seat is strongly fixed in place.  A tightly-held seat must not move from side to side for more than a fourth of an inch (about one-half centimeter).  Also be sure to use a locking clip if your car’s seat belt requires the use of one.

Written by Patricia Hannah

Design Guidelines Create an Online Community

Communities, unlike teams and other structures, need to invite the interaction that makes them alive. Even though communities are voluntary and organic, good community design can invite, even evoke, aliveness.

Designing for aliveness requires a different set of design principles. The goal of community design is to bring out the community’s own internal direction, character, and energy. The principles we developed to do this focus on the dilemmas at the heart of designing communities of practice.

Design for evolution.

Because communities of practice are organic, designing them is more a matter of shepherding their evolution than creating them from scratch. Design elements should be catalysts for a community’s natural evolution. As they develop, communities usually build on preexisting personal networks.

The dynamic nature of communities is vital to their evolution. As the community grows, new members bring new interests and may pull the focus of the community in different directions. Changes in the organization influence the relative importance of the community and place new demands on it. Changes in the core science or technology of a community constantly reshape it, often bringing in professionals from neighboring disciplines, or introducing technological advances that change their way of working. Communities are built on existing networks.  They evolve beyond any particular design. The purpose of a design is not to impose a structure but to help the community develop.

Community design is much more like life-long learning than traditional organization design. “Alive” communities reflect on and redesign elements of themselves throughout their existence. Community design often involves fewer elements at the beginning than does a traditional organization design. The first goal was to draw potential members to the community. Once people were engaged in the topic and had begun to build relationships, the core members began introducing other elements of community structure—such as a Web site, links to other communities, projects to define key practices—one at a time. 

The key to designing for evolution is to combine design elements in a way that catalyzes community development. However, evolution is common to all communities, and the primary role of design is to catalyze that evolution.

Open a dialogue between inside and outside perspectives.

Good community design requires an insider’s perspective to lead the discovery of details of the community. However, effective community design is built on the collective experience of community members. Only an insider can appreciate the issues at the heart of the domain, the knowledge that is important to share, the challenges their field faces, and the latent potential in emerging ideas and techniques. Good community design requires an understanding of the community’s potential to develop and steward knowledge, but it often takes an outside perspective to help members see the possibilities. . Good community design brings information from outside the community into the dialogue about what the community could achieve.

Invite different levels of participation.

Good community architecture invites many different levels of participation. Alive communities, whether planned or spontaneous, have a coordinator who organizes events and connects community. However, others in the community also take on leadership roles. We commonly see three main levels of community participation. The first is a small core group of people who actively participate in discussions, even debates, in the public community forum. . As the community matures, this core group takes on much of the community’s leadership, its members becoming auxiliaries to the community coordinator. However, this group is usually rather small, only 10 to 15 percent of the whole community. At the next level outside this core is the active group. A large portion of community members are peripheral and rarely participate. Instead, they keep to the sidelines, watching the interaction of the core and active members. Finally, outside these three main levels are people surrounding the community who are not members but who have an interest in the community, including customers, suppliers, and intellectual neighbors. Community members move through these levels. Because the boundaries of a community are fluid, even those outside the community can become quite involved for a time, as the focus of the community shifts to their areas of interest and expertise. The key to good community participation and a healthy degree of movement between levels is to design community activities that allow participants at all levels to feel like full members. Rather than force participation, successful communities “build benches” for those on the sidelines. They make opportunities for semiprivate interaction, whether through private discussion rooms on the community’s Web site, at a community event, or in a one-on-one conversation. This keeps the peripheral members connected. At the same time, communities create opportunities for active members to take limited leadership roles, such as leading a development project that requires a minimal time commitment. In order to draw members into active participation, successful communities build a fire in the center of the community that will draw people to its heat.

Develop both public and private community spaces.

 A community coordinator needs to work the private space between meetings, dropping in on community members to discuss their current technical problems and linking them with helpful resources, inside or outside the community. These informal, back channel discussions actually help orchestrate the public space and are required to successful meetings. They ensure that the spontaneous topics raised at the meetings are valuable to the whole and that the people attending will have something useful to add. The one-on-one networking creates a conduit for sharing information with a more limited number of people, using the coordinator’s discretion as a gate. Every phone call, e-mail exchange, or problem-solving conversation strengthens the relationships within the community. The public and private dimensions of a community are interrelated. The key to designing community spaces is to orchestrate activities in both public and private spaces that use the strength of individual relationships to enrich events and use events to strengthen individual relationships.

Focus on value.

Communities thrive because they deliver value to the organization, to the teams on which community members serve, and to the community members themselves. Value is key to community life, because participation in most communities is voluntary. the community grows, developing a systematic body of knowledge that can be easily accessed becomes more important.

Rather than attempting to determine their expected value in advance, communities need to create events, activities, and relationships that help their potential value emerge and enable them to discover new ways to harvest it. In fact, a key element of designing for value is to encourage community members to be explicit about the value of the community throughout its lifetime.

Combine familiarity and excitement.

Communities of practice are what Ray Oldenberg calls “neutral places,” separate from the everyday work pressures of people’s jobs. Unlike team members, community members can offer advice on a project with no risk of being entangled in it; they can listen to advice with no obligation to take it. Like a well-planned, challenging conference, vibrant communities also supply divergent thinking and activity.  Conferences, fairs, and workshops such as these bring the community together in a special way and thus facilitate a different kind of spontaneous contact between people. They can provide novelty and excitement that complements the familiarity of everyday activities.

Lively communities combine both familiar and exciting events so community members can develop the relationships they need to be well connected as well as generate the excitement they need to be fully engaged. Routine activities provide the stability for relationship-building connections; exciting events provide a sense of common adventure.

Create a rhythm for the community.Vibrant communities of practice also have a rhythm. At the heart of a community is a web of enduring relationships among members, but the tempo of their interactions is greatly influenced by the rhythm of community events. Regular meetings, teleconferences, Web site activity, and informal lunches ebb and flow along with the heartbeat of the community. When that beat is strong and rhythmic, the community has a sense of movement and liveliness. If the beat is too fast, the community feels breathless; people stop participating because they are overwhelmed. When the beat is too slow, the community feels sluggish. Sometimes key projects and special events create milestones for the community, breaking up the regular rhythm. The rhythm of the community is the strongest indicator of its aliveness. There are many rhythms in a community—the syncopation of familiar and exciting events, the frequency of private interactions, the ebb and flow of people from the sidelines into active participation, and the pace of the community’s overall evolution. A combination of whole-community and small-group gatherings creates a balance between the thrill of exposure to many different ideas and the comfort of more intimate relationships. A mix of idea-sharing forums and tool-building projects fosters both casual connections and directed community action. There is no right beat for all communities, and the beat is likely to change as the community evolves. However, finding the right rhythm at each stage is required for community’s development.

Written by jagadesh

More Communicators Articles

The Community Reinvestment Act : Impact on Lending Function

The Community Reinvestment Act Impact on the Lending Function

Go check out my blog at: www.blogspot.com for more articles and commentary. The Community Reinvestment Act (CRA) was established by Congress in 1977. The Act stipulates that financial institutions offer equal access to lending, investment and services to all those in an institution’s geographic assessment area. In the case of large banks with many branches, the geographic area may encompass an entire county or even a state.

Before the CRA, many bankers excluded low-income neighborhoods and people of color from their lending products, investments, and financial services – a practice known as “redlining”. Community activists coined the term when they discovered that the failure of banks to make loans in some low-income neighborhoods was so geographically distinct, that it was easy to draw red lines on maps to delineate the practices.

In the 1970s, activists in Chicago and across the country brought strong pressure on banks to lend equitably to all those in their communities. Since its passage, the CRA has been used across the United States to win tens of billions of dollars in new lending, investments, and services for communities. As a result of the CRA the National Community Reinvestment Coalition tracks more than trillion dollars in community reinvestment pledges nationally.

The CRA is directed primarily at four federal supervisory agencies– the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision. The Act calls upon these agencies to (1) use their supervisory authority to encourage each financial institution to help meet local credit needs in a manner consistent with safe and sound operation, (2) assess an institution’s record of meeting the credit needs of its entire community, including low- and moderate- income neighborhoods, and (3)consider the institution’s CRA performance when assessing an application for a charter, deposit insurance, branch or other deposit facility, office relocation, merger, or acquisition.

Access to Credit

Access to credit and financial services is critical to all communities. The CRA allows organizations to secure loans for home construction, purchase and improvement, for establishing neighborhood businesses, and for supporting community institutions. Access to banking services allows residents to be connected to the financial mainstream through checking accounts, investment vehicles and advice. The importance of CRA lies in the fact that regulators do two sets of bank examinations: one for financial safety and soundness, and the other for community reinvestment. The biannual bank CRA examination by federal regulators allows citizens to comment on the bank’s performance to the regulatorsand open a dialogue with the bank about neighborhood access to capital and financial services or lack thereof.

CRA negotiations are most powerful during a bank acquisition or merger, when the regulators are carefully scrutinizing the bank’s activities. The regulators look at CRA, among other issues, in deciding whether to approve a bank application to purchase another financial institution. It is also possible, however, to negotiate CRA commitments when there is no acquisition pending. When well prepared with data, the community can use public pressure to convince banks that they can gain financially with a commitment to the financial well-being of the community.

CRA has helped community organizations win increased investments, charitable contributions, branches, and access to loans and financial services. More than trillion dollars has been committed to community investments; the polices and practices of financial services have significantly changed; and the public’s and media’s views have shifted to support the need for equal access to capital and financial services-largely as a result of CRA advocacy.

Local Accountability

In 1999, the U.S. Congress passed the Gramm-Leach-Bliley legislation, allowing banks direct ownership of insurance companies, mutual funds, and other financial companies. This resulted in some enormous institutions growing even larger, and raised the question of how to ensure that banking access expands for low-income neighborhoods and people of color. Over the next few years, communities will undergo great changes as their local banks are purchased by outside financial institutions.

The more banking becomes national, rather than local, and contains multiple business ventures, the more difficult it is for local communities to persuade financial institutions to focus on neighborhood needs.

The more bank corporations expand to include other financial sectors, the more investors they have to answer to, and typically, deliver high profits to, as quickly as possible. This keeps lending focused on the short-term bottom line and not on long-term community needs.

CRA activism is needed in the community so that institutions from local savings and loans to mega-banks fully serve the community’s needs. Local organizations are in the best position to promote local investment needs and there are state and national advocacy organizations and resources to assist them. When a community develops specific development goals, they can be negotiated into specific CRA criteria with this spectrum of investors.

It is possible for a bank or a financial institution to be denied when applying for an acquisition based on its CRA score. For example, in 1989, the Federal Reserve Board issued its first denial of a bank acquisition based on CRA, an application made by Continental Bank Corporation and Continental Illinois Bancorp, Inc. to acquire 100 percent of the voting shares of Grand Canyon State Bank in Scottsdale, Arizona. The Fed claimed that Continental did not have a plan to meet its responsibilities under CRA, and that it made no effort to ascertain the credit needs of its community. The denial was issued despite the fact that between 1986 and 1989 the Federal Reserve had allowed Continental to acquire three banks in the Chicago area.

Building on Success

Community use of the CRA began as soon as the Act was passed in 1977. Groups such as National People’s Action and the Center for Community Change became important sources of knowledge and technical assistance about strategies to convince financial institutions to comply with the Act’s provisions. By the mid-1980s, community groups had successfully negotiated CRA lending, investment, and service commitments that focused on the needs of low-income and communities of color from banks and savings and loan institutions. These early agreements signaled the possibilities for success to other groups across the country.

CRA advocacy intensified in the 1990s with major CRA commitments. In 1992, the Bank of America made a billion commitment associated with its acquisition of Security Pacific Bank. The funds were committed for increased lending in affordable housing and economic development and for increased services for low-income consumers. Specific dollar and targeting goals were made for housing, small business, and consumer lending. New products were developed to serve the needs of low-wealth communities. Services were made easier to access by requiring only one form of identification and a small deposit to open a low-cost checking account.

Delivering Significant Capital

The growth of CRA commitments can be attributed to three facts:

CRA lending has been profitable for financial institutions. This was a lesson for all the major banks: expanding products and marketing to previously ignored communities and people increases profits. In addition, studies by diverse groups such as the Bank of America and the Woodstock Institute, a community research institute based in Chicago, have shown that mortgage loans to low-income single families are less risky than those to wealthy borrowers.
Banks have seen CRA commitments as an opportunity to distinguish themselves from their competitors. A public CRA commitment is one way for a bank to show that it recognizes, cares about, and meets the needs of its neighbors. CRA commitments have provided positive public relations and media coverage. The fear of negative publicity from failing to make a community commitment continues to motivate financial institutions to negotiate and sign these agreements.
The numerous mega mergers of banks and financial institutions in recent years have delivered leverage to CRA agreements to prevent delays in completing the deals that can cost bank shareholders significant amounts of money.

CONSOLIDATION AND LENDING IN LOWER-INCOME NEIGHBORHOODS

Access to home mortgage credit among lower income and minority borrowers and borrowers in lower-income and minority neighborhoods may be sensitive to changes caused by consolidation in the banking industry. This view derives from two sets of arguments, which have potentially different implications. On the one hand, decentralized (local) decision making may be especially important to a successful lower-income lending program, and consolidation may potentially reduce the role of local decision making. On the other hand, because lending to lower income and minority borrowers and neighborhoods sometimes involves special considerations of credit risk and often requires increased resources for risk-management activities, such lending may increase when consolidation improves the ability of institutions to efficiently evaluate, monitor, and manage credit risk.

These potential effects can vary, depending on a number of factors, such as whether the institutions to be combined operate within the same local communities. Other factors include competitive interactions among institutions, regulatory considerations, and the diminished role of savings associations. Ultimately, the effects of any given consolidation will depend on how it is implemented and on the commitment and ability of the management of the surviving institution to helping meet the credit needs of all segments of its community.

Analyzing Data

Analyzing Home Mortgage Disclosure Act (HMDA) data and comparing it to the local community data can be helpful in revealing trends or discrepancies among several populations. For example, data derived from HMDA charts illustrates home purchase lending for Oakland, California in 1998.

Reviewing this information reveals inequities:

African American households received a proportion of home loans representing less than half their portion of the city population. They were denied loans more than twice as often as whites.

Latinos and Asian Americans got loans proportionally less than their share of the population and were denied more often than whites.

Applications taken from all people of color were significantly below their representation in Oakland. This means that the results of outreach efforts to potential homeowners of color were not proportionately adequate.

African Americans were denied 2.3 times as often and Asian-Americans, and Latinos were denied 1.3 times as often as white applicants. This indicates that the bank underwriting process may unfairly judge applicants of color.

As a further example of lending bias the most far-reaching and often-cited analysis of mortgage lending bias is an October1992 study by the Federal Reserve Bank of Boston. The Boston Fed Study sought to discover whether differences in mortgage loan denial rates could be explained, controlling for factors such as financial, employment, and neighborhood characteristics. The study concluded that overt discrimination, whereby minorities with unblemished records are denied credit, is not pervasive-97 percent of such applicants are approved. However, the study concluded that even controlling for these other factors, there remained a “statistically significant” gap associated with race.

Challenges

Many politicians believe that the CRA encourages strong-arm tactics in its attempt toward equity distribution in lower-income neighborhoods. The Australian is quoted here: It is revealing, therefore, to re-read an article from the conservative City Journal in 2000 predicting problems for the banking sector from the Clinton administration’s resurrection of Jimmy Carter’s 1977 Community Reinvestment Act, which appears to have been the major single factor in the origins of American high-risk sub-prime loans. Under Bill Clinton: banks were required to provide loans on an affirmative action basis to poor inner-urban ghettoes; the scheme’s intentions were to help low-income earners buy homes and revive decaying neighbourhoods; much of the money was funneled through a nationwide network of left-wing community activist groups; government regulators were appointed to measure banks’ performance and ensure they reversed their previous racially discriminatory policies of declining to lend money to high-risk clients; by 2000, banks had committed nearly trillion for loans to low-income ethnic and inner-urban groups; at the time, the chairman of the US Senate banking committee, Republican senator Phil Gramm, denounced the program as a vast extortion scheme against the nation’s banks.

Another criticism of the CRA is that it compels banks to extend loans to individuals who would otherwise be unqualified borrowers and therefore present an unusually high risk. The Boston Globe is quoted here: Despite its good intentions, the Community Reinvestment Act may have had unintended negative consequences for the very people it was designed to help, according to Federal Reserve Chairman Ben S. Bernanke, who recently questioned the soundness of a policy that expanded lending to new groups of sub-par borrowers, observing “that an underlying assumption of the CRA – that more lending equals better outcomes for local communities may not always hold.”

Evolution of the Industry

Recent conservative federal provisions have increased the consolidation of financial institutions, which has allowed insurance companies and securities institutions to acquire banks without the restrictions of CRA. These provisions have also encouraged the formation of mega-banks, which simply have less local connection and allegiance. The size, distance, and company diversity inherent in these larger institutions may require more investment by CRA advocates in local communities in putting together a coalition with sufficient strength to capture the institution’s attention. It may force a coalition to target local banks instead.

Conclusion

Clearly the Community Reinvestment Act has proven highly effective at revitalizing lower-income neighborhoods throughout America. A byproduct of this success is that banks have established relationships with clients in previously neglected markets. Some have criticized the CRA as being a factor in the sub-prime mortgage crisis but a counter-argument is also being offered. The Washington Post is quoted here: Sen. Jake Garn of Utah argued that the CRA would “destroy the housing industry in this country.” In fact, the opposite happened. In a nationwide survey conducted by the Federal Reserve, 98 percent of large residential lenders re-ported that their CRA loans were profitable. Within that group, 24 percent found them as profitable as or more profit-able than conventional loans. Unexpectedly, banks came to see CRA communities as emerging markets. The CRA has convinced us that when businesses invest in distressed communities, they are much more likely to return to health.

Written by harkonnen

Creating a Customized Training Module:Communication with Customers

INTRODUCTION

The topic is self-explanatory in many ways- “Creating a Customized Training Module: Communication with customers in the retail sector (apparel)”

Communication governs all aspects of one’s life. Irrespective of the area of work interest it is a compulsory tool that must be honed and used as asset in one’s professional life.

Communication becomes of utmost importance in the case of a job profile that implies selling. To talk and convince a customer into buying a product is both a skill and an art that can be learnt and sharpened.

All of us sell things all the time. From a child asking Mom for a cookie to the CEO of a major corporation trying to ink a million dollar order, each of us sells. We sell our ideas and beliefs to co-workers, bosses and family. We sell products, services, and concepts.

Effective communication is an essential component of organizational success whether it is at the interpersonal, intergroup, intragroup, organizational, or external levels.

Studies have shown us that over 80% of products and services sold are so because of the relationship created, not the product or service. With proper training skills, the staff will quickly gain the trust or (Rapport) of virtually everyone they choose to influence. 93% of communication is created at a non-verbal, subconscious level.

A Basic understanding of the processes of communication and an introspection of one’s communication style can go a long way into a salesperson’s career. A proper understanding of one’s own strengths and weaknesses in terms of communication needs to be identified in order to correct or enhance those very characteristics.

Training and development go together in any industry. It is evolutionary in order. Training the sales force must be viewed as an investment that would reap benefits in the future. Learning from experiential training modules is beneficial in terms of longer retention capacity of the participants.

Hence, a two day module on communication is created for the growth and development of the sales people working in the apparel sector. This workshop has been customized to suit their needs and meet their specific requirements.

What would happen if you could obtain rapport with anyone in minutes?
Imagine putting yourself into a resourceful state of mind at anytime.
Imagine being able to listen to what others are unconsciously telling you.

This is the magic and the level of empowerment that this 2 day training module promises to deliver to all its participants.

SESSION

TOPIC

MODE OF INSTRUCTION

TIME

DURATION

 

1

Introduction

Presentation

9:30-9:45

15 minutes

 

 

 

Ice- Breaker

Game

9:45-10:00

15 minutes

 

 

 

Diverse perspectives to communication

Case Study

10:00-11:00

60 minutes

 

Break

11:00-11:15

15 minutes

 

 

 

2

Inter-personal communication

Game 1 / discussion

11:15-12:45

90 minutes

 

Lunch Break

12:45-1:45

60 minutes

 

3

Body language and barriers to communication

Lecture

1:45-3:15

90 minutes

 

 

Break

3:15-3:30

15 minutes

 

 

4

Self-Analysis

Quiz

3:30-4:30

60 minutes

 

Feedback

Discussion

4:30-5:00

30 minutes

 

 

 

 

INTRODUCTION

OBJECTIVE:

Effective communication is all about conveying your messages to other people clearly and unambiguously. It’s also about receiving information that others are sending to you, with as little distortion as possible.

Doing this involves effort from both the sender of the message and the receiver. And it’s a process that can be fraught with error, with messages muddled by the sender, or misinterpreted by the recipient. When this isn’t detected, it can cause tremendous confusion, wasted effort and missed opportunity.

In fact, communication is only successful when both the sender and the receiver understand the same information as a result of the communication.

By successfully getting your message across, you convey your thoughts and ideas effectively. When not successful, the thoughts and ideas that you actually send do not necessarily reflect what you think, causing a communications breakdown and creating roadblocks that stand in the way of your goals – both personally and professionally.

Being able to communicate effectively is therefore essential if you want to build a successful career as a salesperson. To do this, you must understand what your message is, what audience you are sending it to, and how it will be perceived.

CONTENT & METHODOLOGY:

Problems with communication can pop-up at every stage of the communication process (which consists of the sender, encoding, the channel, decoding, the receiver, feedback and the context – see the diagram below). At each stage, there is the potential for misunderstanding and confusion.

To be an effective communicator and to get your point across without misunderstanding and confusion, your goal should be to lessen the frequency of problems at each stage of this process, with clear, concise, accurate, well-planned communications. We follow the process as given below:

Source: As the source of the message, you need to be clear about why you’re communicating, and what you want to communicate. You also need to be confident that the information you’re communicating is useful and accurate.

Message: The message is the information that you want to communicate.

Encoding: This is the process of transferring the information you want to communicate into a form that can be sent and correctly decoded at the other end. Your success in encoding depends partly on your ability to convey information clearly and simply, but also on your ability to anticipate and eliminate sources of confusion (for example, cultural issues, mistaken assumptions, and missing information.) A key part of this is knowing your audience: Failure to understand who you are communicating with will result in delivering messages that are misunderstood.

Channel: Messages are conveyed through channels, with verbal channels including face-to-face meetings, telephone and videoconferencing; and written channels including letters, emails, memos and reports. Different channels have different strengths and weaknesses.

Decoding: Just as successful encoding is a skill, so is successful decoding (involving, for example, taking the time to read a message carefully, or listen actively to it.) Just as confusion can arise from errors in encoding, it can also arise from decoding errors. This is particularly the case if the decoder doesn’t have enough knowledge to understand the message.

Receiver: Your message is delivered to individual members of your audience. No doubt, you have in mind the actions or reactions you hope your message will get from this audience. Keep in mind, though, that each of these individuals enters into the communication process with ideas and feelings that will undoubtedly influence their understanding of your message, and their response. To be a successful communicator, you should consider these before delivering your message, and act appropriately

ICE BREAKER: HUMAN KNOTS

·        An ideal game for when you want a quick energy boost.

·        Get your group to make a circle, and face center. Have group shuffle up close, shoulder to shoulder and close their eyes. When all ready, ask them to carefully reach out and clasp hands, any hands, with people in the circle.

·        As facilitator, open your eyes and check that each hand is joined to only one other hand, and that there is a healthy amount of intermingling.

·        When you’re satisfied they’re ready, ask the group to open their eyes and start un-tangling the knot without letting go hands.

·        Eventually the group will untangle into a perfect circle, maybe with a breakaway smaller circle. Get everyone to clap and congratulate themselves for a job well done.

·        Caution – this is a physical activity so ensure that people are suitably dressed, physically able and willing to take part.

INTERPERSONAL COMMUNICATION: GAME 1

Goals

To examine language barriers, which contribute to the breakdowns in communication.
To demonstrate the anxieties and frustrations that may be felt when communicating under difficult circumstances.
To illustrate the impact of non-verbal communication when verbal communication is ineffective.

Group Size

            An unlimited number of equal size groups of four ,six or eight members each.

Time Required

            Approximately one hour

Physical training

            A large room enough for the groups to meet comfortably.

Materials

A pencil and the paper for each participant.
A blindfold for each group member.

Process

The facilitator divides the large group in to subgroups
When the groups have assembled, the facilitator announces that each group is to create a language of its own. this language must be significantly different from English and must include the following:
a greeting
a description of some object, person, event
an evaluative statement about an object or a person
a farewell

       

Group members must be able to “speak” their groups’ language at the end of this step (thirty minutes)

Within each language group, members number themselves sequentially , i.e. , 1, 2, etc. the facilitator announces the location of new group to be composed of all participants numbered 1.he likewise forms new groups of participants numbered 2, 3, 4, and so on.
The facilitator directs members to pair off in the new groups. Each member must teach his new language to his partner without using English or any other recognized language(fifteen minutes)
The facilitator distributes a blindfold to each group. A blindfolded volunteer from each group teaches his language to the group. A second volunteer repeats this task (fifteen minutes.)
The facilitator distributes blindfolds to all remaining participants. Participants are told to stand in their second groups and all chairs are moved aside. Participants blindfold themselves and are instructed to find their original groups without the use of any conventional language or people’s name.
When the original groups have been reformed, the facilitator instructs them to discuss the activity and to answer the following questions:

Ø      What did this experience illustrate about communication?

Ø      How did you feel during the experience?

Ø      What did you learn about yourself from it.

The facilitator leads a general discussion on the problems faced by people who do not understand a language and on the difficulties that blind people may have in communicating.

LECTURE ON COMMUNICATION
 

OBJECTIVE:

Tips on how to improve communication skills.
The importance of non verbal communication is taught with special relevance to body language.
Barriers to communication is discussed
Tips for confident communication
Quotes to ponder over

METHODOLOGY:

A lecture would be delivered by a speaker. It would be a two way process with special emphasis on the above given objectives. Participants could ask questions at the end of the lecture.

CONTENT:

 

LECTURE ON COMMUNICATION

(Body language and barriers to communication)

Communication is essential for normal relationship, meaningful interaction and successful dealings among people of the world. So important is the ability to communicate that the man who is a master over the art of effective communication enjoys a great advantage in the competitive world over the other man who has not learnt to communicate effectively.

Communication as a human activity dates as far back as the time when the first two human beings appeared on earth.

Speech, signs, body gestures and facial expressions have been used as means of communications from the beginning. As the human society progresses up the ladder of modernization, the volume of communicated messages grow in complexity and the means or channels of communication grow in sophistication.

Communication is, today, a very important field of the social sciences. The processes, tools and media of communication are as vast as there are human actions. Communication skills are some of the most highly prized and sought-after skills in business. And they are equally essential at home.  Without communication skills we are unable to let others know what we think, feel, or want to accomplish. We are unable to build partnerships, motivate others, or resolve conflict. 

Studies show that as professionals rise higher in an organization, communication skills become more important, not less. 

TEN WAYS TO IMPROVE YOUR COMMUNICATION SKILLS

We all have people with whom we have to work to get things done.  Our ability to communicate with clients, customers, subordinates, peers, and superiors can enhance our effectiveness or sabotage us.  Many times, our verbal skills make the difference.  Here are 10 ways to increase your verbal efficacy at work:

Develop your voice – A high whiney voice is not perceived to be one of authority.  In fact, a high soft voice can make you sound like prey to an aggressive co-worker who is out to make his/her career at the expense of anyone else.   Begin doing exercises to lower the pitch of your voice.  Here is one to start:  Sing — but do it an octave lower on all your favorite songs.  Practice this and, after a period of time, your voice will begin to lower.
Slow down – People will perceive you as nervous and unsure of yourself if you talk fast.  However, be careful not to slow down to the point where people begin to finish your sentences just to help you finish.
Animate your voice – Avoid a monotone.  Use dynamics.  Your pitch should raise and lower.  Your volume should be soft and loud.  Listen to your local TV news anchor; take notes.
Enunciate your words – Speak clearly.  Don’t mumble.  If people are always saying, “huh,” to you, you are mumbling.
Use appropriate volume – Use a volume that is appropriate for the setting.  Speak more softly when you are alone and close.  Speak louder when you are speaking to larger groups or across larger spaces.
Pronounce your words correctly – People will judge your competency through your vocabulary.  If you aren’t sure how to say a word, don’t use it.
Use the right words – If you’re not sure of the meaning of a word, don’t use it.  Start a program of learning a new word a day.  Use it sometime in your conversations during the day.
Make eye contact – I know a person who is very competent in her job.  However, when she speaks to individuals or groups, she does so with her eyes shut.  When she opens them periodically, she stares off in a direction away from the listener.  She is perceived as incompetent by those with whom she consults.  One technique to help with this is to consciously look into one of the listener’s eyes and then move to the other.  Going back and forth between the two (and I hope they only have two) makes your eyes appear to sparkle.  Another trick is to imagine a letter “T” on the listener’s face with the cross bar being an imaginary line across the eye brows and the vertical line coming down the center of the nose.  Keep your eyes scanning that “T” zone.
Use gestures – Make your whole body talk.  Use smaller gestures for individuals and small groups.  The gestures should get larger as the group that one is addressing increases in size.
Don’t send mixed messages – Make your words, gestures, facial expressions, tone, and message match.  Disciplining an employee while smiling sends a mixed message and, therefore, is ineffective.  If you have to deliver a negative message, make your words, facial expressions, and tone match the message.

Improving your communication skills will improve your productivity.

TOP 10 NON VERBAL COMMUNICATIONS

Good communication skills can help you in both your personal and professional life. While verbal and written communication skills are important, research has shown that nonverbal behaviors make up a large percentage of our daily interpersonal communication. How can you improve your nonverbal communication skills? The following top ten tips for nonverbal communication can help you learn to read the nonverbal signals of other people and enhance your own ability to communicate effectively.

·        Pay Attention to Nonverbal Signals

v     People can communicate information in numerous ways; so pay attention to things like eye contact, gestures, posture, body movements, and tone of voice. All of these signals can convey important information that isn’t put into words. By paying closer attention to other people’s nonverbal behaviors, you will improve your own ability to communicate nonverbally.

·        Look for Incongruent Behaviors

v     If someone’s words do not match their nonverbal behaviors, you should pay careful attention. For example, someone might tell you they are happy while frowning and staring at the ground. Research has shown that when words fail to match up with nonverbal signals, people tend to ignore what has been said and focus instead on nonverbal expressions of moods, thoughts, and emotions.

·        Concentrate on Your Tone of Voice When Speaking

v     Your tone of voice can convey a wealth of information, ranging from enthusiasm to disinterest to anger. Start noticing how your tone of voice affects how others respond to you and try using tone of voice to emphasize ideas that you want to communicate. For example, if you want to show genuine interest in something, express your enthusiasm by using an animated tone of voice.

·        Use Good Eye Contact

v     When people fail to look others in the eye, it can seem as if they are evading or trying to hide something. On the other hand, too much eye contact can seem confrontational or intimidating. While eye contact is an important part of communication, it’s important to remember that good eye contact does not mean staring fixedly into someone’s eyes. How can you tell how much eye contact is correct? Some communication experts recommend intervals of eye contact lasting four to five seconds.

·        Ask Questions About Nonverbal Signals

v     If you are confused about another person’s nonverbal signals, don’t be afraid to ask questions. A good idea is to repeat back your interpretation of what has been said and ask for clarification. An example of this might be, “So what you are saying is that…”

·        Use Signals to Make Communication More Effective and Meaningful

v     Remember that verbal and nonverbal communication work together to convey a message. You can improve your spoken communication by using nonverbal signals and gestures that reinforce and support what you are saying. This can be especially useful when making presentations or when speaking to a large group of people.

·        Look at Signals as a Group

v     A single gesture can mean any number of things, or maybe even nothing at all. The key to accurately reading nonverbal behavior is to look for groups of signals that reinforce a common point. If you place too much emphasis on just one signal out of many, you might come to an inaccurate conclusion about what a person is trying to communicate.

·        Consider Context

v     When you are communicating with others, always consider the situation and the context in which the communication occurs. Some situations require more formal behaviors that might be interpreted very differently in any other setting. Consider whether or not nonverbal behaviors are appropriate for the context. If you are trying to improve your own nonverbal communication, concentrate on ways to make your signals match the level of formality necessitated by the situation.

·        Be Aware That Signals Can be Misread

v     According to some, a firm handshake indicates a strong personality while a weak handshake is taken as a lack of fortitude. This example illustrates an important point about the possibility of misreading nonverbal signals. A limp handshake might actually indicate something else entirely, such as arthritis. Always remember to look for groups of behavior. A person’s overall demeanor is far more telling than a single gesture viewed in isolation.

·        Practice, Practice, Practice

v     Some people just seem to have a knack for using nonverbal communication effectively and correctly interpreting signals from others. These people are often described as being able to “read people.” In reality, you can build this skill by paying careful attention to nonverbal behavior and practicing different types of nonverbal communication with others. By noticing nonverbal behavior and practicing your own skills, you can dramatically improve your communication abilities.

BODY LANGUAGE

Communicating effectively means more than knowing what to say and when to say it. Communication involves the subtle signals your body language sends to those listening. Here are some common body actions and the impressions they create:

Fiddling – Playing with your watch or a pen looks like you’re bored or impatient
Clock watching – It looks like you’re anxious to move on to something else.
Tapping – Tapping your foot or fingers suggests you are impatient or nervous.
Staring – An unblinking stare conveys aggression
Legs crossed or body hunched – Closing up your body profile —becoming smaller— looks like you lack confidence.
Arms crossed – If you keep your arms folded during communication, you appear to be defending yourself against the others.
Touching your face - When you have your hand in front of your mouth, you appear timid.
Rubbing your nose, looking away - People who are lying often rub their nose or look away when speaking.
No eye contact – If you won’t look the other speaker in the eye, you seem to have low interest or a lack of confidence. (Don’t forget staring. above.)

How you say things in communication is just as important as what you say. Watch your body language and control the unconscious message you might be sending.

SEVEN BARRIERS TO GREAT COMMUNICATION

 

It’s not always easy and often takes a lot of determination. But making an effort to remove the obstacles – tangible and intangible – that stand in our way, can be the key to building relationships that really work                                       

By Eric Garner

Many people think that communicating is easy. It is after all something we’ve done all our lives. There is some truth in this simplistic view. Communicating is straightforward. What makes it complex, difficult, and frustrating are the barriers we put in the way.

Here are the 7 top barriers.

1. PHYSICAL BARRIERS

Physical barriers in the workplace include: marked out territories, empires and fiefdoms into which strangers are not allowed closed office doors, barrier screens, separate areas for people of different status large working areas or working in one unit that is physically separate from others. Research shows that one of the most important factors in building cohesive teams is proximity. As long as people still have a personal space that they can call their own, nearness to others aids communication because it helps us get to know one another.

2. PERCEPTUAL BARRIERS

The problem with communicating with others is that we all see the world differently. If we didn’t, we would have no need to communicate: something like extrasensory perception would take its place. The following anecdote is a reminder of how our thoughts, assumptions and perceptions shape our own realities: A traveller was walking down a road when he met a man from the next town. “Excuse me,” he said. “I am hoping to stay in the next town tonight. Can you tell me what the townspeople are like?” “Well,” said the townsman, “how did you find the people in the last town you visited?” “Oh, they were an irascible bunch. Kept to themselves. Took me for a fool. Over-charged me for what I got. Gave me very poor service.” “Well, then,” said the townsman, “you’ll find them pretty much the same here.”

3. EMOTIONAL BARRIERS

One of the chief barriers to open and free communications is the emotional barrier. It is comprised mainly of fear, mistrust and suspicion. The roots of our emotional mistrust of others lie in our childhood and infancy when we were taught to be careful what we said to others.

“Mind your P’s and Q’s”; “Don’t speak until you’re spoken to”; “Children should be seen and not heard”. As a result many people hold back from communicating their thoughts and feelings to others. They feel vulnerable. While some caution may be wise in certain relationships, excessive fear of what others might think of us can stunt our development as effective communicators and our ability to form meaningful relationships.

4. CULTURAL BARRIERS:

When we join a group and wish to remain in it, sooner or later we need to adopt the behaviour patterns of the group. These are the behaviours that the group accept as signs of belonging. The group rewards such behaviour through acts of recognition, approval and inclusion. In groups which are happy to accept you, and where you are happy to conform, there is a mutuality of interest and a high level of win-win contact.

Where, however, there are barriers to your membership of a group, a high level of game-playing replaces good communication.

5. LANGUAGE BARRIERS:

Language that describes what we want to say in our terms may present barriers to others who are not familiar with our expressions, buzz-words and jargon. When we couch our communication in such language, it is a way of excluding others. In a global market place the greatest compliment we can pay another person is to talk in their language. One of the more chilling memories of the Cold War was the threat by the Soviet leader Nikita Khruschev saying to the Americans at the United Nations: “We will bury you!” This was taken to mean a threat of nuclear annihilation. However, a more accurate reading of Khruschev’s words would have been: “We will overtake you!” meaning economic superiority. It was not just the language, but the fear and suspicion that the West had of the Soviet Union that led to the more alarmist and sinister interpretation.

6. GENDER BARRIERS:

There are distinct differences between the speech patterns in a man and those in a woman. A woman speaks between 22,000 and 25,000 words a day whereas a man speaks between 7,000 and 10,000. In childhood, girls speak earlier than boys and at the age of three, have a vocabulary twice that of boys. The reason for this lies in the wiring of a man’s and woman’s brains. When a man talks, his speech is located in the left side of the brain but in no specific area. When a woman talks, the speech is located in both hemispheres and in two specific locations.

This means that a man talks in a linear, logical and compartmentalised way, features of left-brain thinking; whereas a woman talks more freely mixing logic and emotion, features of both sides of the brain. It also explains why women talk for much longer than men each day.

7. INTER-PERSONAL BARRIERS:

There are six levels at which people can distance themselves from one another:

Withdrawal is an absence of interpersonal contact. It is both refusal to be in touch and time alone.

Rituals are meaningless, repetitive routines devoid of real contact.

Pastimes fill up time with others in social but superficial activities.

Working activities are those tasks which follow the rules and procedures of contact but no more.

Games are subtle, manipulative interactions which are about winning and losing. They include “rackets” and “stamps”.

Closeness is the aim of interpersonal contact where there is a high level of honesty and acceptance of yourself and others.

Working on improving your communications is a broad-brush activity. You have to change your thoughts, your feelings, and your physical connections.

That way, you can break down the barriers that get in your way and start building relationships that really work.

RESPONDING TO PROBLEMS

This section is devoted to ideas of how one might deal with the various problems associated with the volatile situations.

·        If a participant strays from the agenda item, call him/her back: “we should deal with that separately, but what do you feel about the issue X?”

·        If there is confusion, you might ask: “do I understand correctly that …?”

·        If the speaker begins to ramble, wait until an inhalation of breath and jump in: “yes I understand that such and such, does any one disagree?”

·        If a point is too woolly or too vague ask for greater clarity: “what exactly do you have in mind?”

·        If someone interrupts (someone other than a rambler), you should suggest that: “we hear your contribution after Gretchen has finished.”

·        If people chat, you might either simply state your difficulty in hearing/concentrating on the real speaker. or ask them a direct question: “what do you think about that point.”

·        If someone gestures disagreement with the speaker (e.g. by a grimace), then make sure they are brought into the discussion next: “what do you think Gretchen?”

·        If you do not understand, say so: “I do not understand that, would you explain it a little more; or do you mean X or Y?”

·        If there is an error, look for a good point first: “I see how that would work if X Y Z, but what would happen if A B C?”

·        If you disagree, be very specific: “I disagree because …”

FACILITATING COMMUNICATION

In addition to removal of specific barriers to communication, the following general

guidelines may also facilitate communication.

1. Have a positive attitude about communication. Defensiveness interferes with

communication.

2. Work at improving communication skills. It takes knowledge and work. The

communication model and discussion of barriers to communication provide the

necessary knowledge. This increased awareness of the potential for improving

communication is the first step to better communication.

3. Include communication as a skill to be evaluated along with all the other skills in each person’s job description. Help other people improve their communication skills by helping them understand their communication problems.

4. Make communication goal oriented. Relational goals come first and pave the way for other goals. When the sender and receiver have a good relationship, they are much more likely to accomplish their communication goals.

5. Approach communication as a creative process rather than simply part of the chore of working with people. Experiment with communication alternatives. What works with one person may not work well with another person. Vary channels, listening techniques, and feedback techniques.

6. Accept the reality of miscommunication. The best communicators fail to have perfect communication. They accept miscommunication and work to minimize its negative impacts.

4 TIPS FOR CONFIDENT COMMUNICATION

The four examples of body language that is counter-productive in developing confidence and how to solve them are:

1. Moving eye contact - people with low confidence levels rarely make eye contact and when they do, as soon as the other person returns that eye contact the person looks away. You do not look silly looking the other person in the eyes. In fact, not making eye contact makes you look weirder and is more annoying to the other person.

Good eye contact will show the person you are listening and that you are interested in what they have to say. However, you can have too much of a good thing. Excessive eye contact is non-verbal aggression. Dr. Peter Andersen, author of The Complete Idiot’s Guide to Body Language, says you will make the other person feel comfortable with about 60% eye contact. With practice I found that you will develop an intuition or ‘gut-feeling’ when you make the other person uncomfortable. As an example when you make to much eye contact, they will begin to not make eye contact with you or maybe fidget. At the moment, too much eye contact probably is not your concern as you are trying to develop confident body language but you still should be aware of the problems with excessive eye contact.

2. Weak touch - otherwise known as haptics, touch involves bodily contact. What area of haptics we are interested in for developing confident non-verbal communication is mostly the handshake. You will rarely use any other haptics other then a handshake in a normal social situation. It is not as if you normally go around patting people on the back or stroking their arm… I hope. That’s just strange!

What did you feel when someone shook your hand with a soft handshake? I bet you wondered if they cared about you at all or if they lacked confidence to show this concern. This is a ‘girly touch’. A good handshake depends on the receiving person. Most of the time you want a firm handshake, but occasionally with say the elderly you don’t want to be crushing their hand! For guys, when greeting ladies be aware that they do not have gigantic hard hands like you so be a little less firm. A firm handshake shows you care and is an initial way of communicating confidence when meeting someone.

3. Stay away – proxemics is body positions relative to one another. What I mean by “relative to one another” is the distance between you and the other person. You are most comfortable with an intimate or well known person being close to you as opposed to someone you just met. People with low confidence will have a much wider radius of comfort. A more confident person will not show fear when someone “breaks” their comfortable proxemics. This does not mean they are comfortable with the closeness, it just means they do not show their discomfort. They desire the other person to stay away but they cope with the situation. Guys, if a lady gets close to you, it is okay to feel uncomfortable. Just do not show discomfort. This will communicate that she does not intimidate you and will increase her level of attraction towards you. An excellent example of proxemics that I can remember is two Australian Politicians on October 8 the eve of the 2004 federal election. John Howard was greeted by opposition leader Mark Latham aggressively. While Mark Latham did pull John Howard towards him when shaking hands (aggressive haptics), Latham made his body position aggressive by being extremely close and towering over the shorter John Howard. Despite this, Mr. Howard non-verbally stood his ground in confidence by continuing the handshake and smiling towards the cameras. I’m sure John Howard

would have felt uncomfortable but he still communicated signs of confidence. It was said Latham attempted to get revenge for Howard squeezing his wife’s hand too hard at a press function which I found to be funny! If only they were both able to read this!

4. Carry yourself - the last non-verbal communication technique I feel is valuable in developing confidence is kinesics. It involves body movement. Possibly the most important kinesics in confidence is posture. A slouched posture not only screams an unconfident person, but it has a physical and psychological effect on the person with the poor posture. The physical effect of slouching your shoulders forward is it causes your chest to compress inwards. Your chest compressing simulates expelling air causing you to breathe shallowly. This means if you have poor posture you will have poor breathing. The psychological effect of poor posture is poorer confidence. I’ll use arguably the world’s best golfer, Tiger Woods, as an example. Tiger is taught to maintain good posture as he approaches each shot. By having good posture he is able to breathe correctly and physically get his body into the right state of confidence. From this his mind is able to focus on the shot ahead. It is a trigger-fire action where one causes the other.

I know once golfer’s lose this state of confidence through poor posture, the affects are surprisingly strong. The golfer’s chest begins to tighten and everything heightens. They then lose their state of control, calmness, and confidence causing poor performance. The same relates to everyday life. We experience poor performance when our breathing becomes shallow. Our level of stress and anxiety begin to increase. To practice a confident posture, roll your shoulders forward, upwards, and then back down to almost complete a circle. Watch your shoulders as you rotate them and if they are behind to what they were prior to doing the activity and you are comfortable, you have done the activity correctly.

SELF ANALYSIS- QUIZ

Communication, which occupies approximately 70% of our waking hours, is what many leaders find the most frustrating. The fact is most of us were never taught how to communicate in a way that produces desired results, so we continue to experience frustration, resistance, conflicts, or breakdowns. Think of a recent important conversation. How many of these questions can you answer YES to?

Did I take full responsibility for the message being heard by the other person? (Remember, it doesn’t matter what you say, it only matters what the other person hears.)
Did I respect the other person’s point of view? (Did I have a reaction to what they were saying that prevented me from listening to their full message?)
Did the other person feel heard and understood? (Did I acknowledge them?)
If I was asking someone to take a specific action, did I make my request clear?
Was I speaking in a way the other person can understand? (Speaking in their communication style.)
Was I communicating openly, without prejudices, expectations and judgment? (Was I focused on having to be right or hearing their point of view?)
Did the other person leave the conversation feeling good – with some value?
Did I leave the conversation feeling good – with some value?
Did I follow-up to see if the conversation was successful – it led to the desired results?
If the outcome of the conversation did not meet my expectations, did I learn what I could improve upon to better communicate with that particular person?

So how did you score?

8-10 Yeses indicate you’re the tops. Keep up the good work.

4-7 Yeses is OK. Brush up in certain areas.

0-3 means you have work to do.

Here are four ways to be a better communicator and leader:

Talk less and hear more.

We want to be heard and listened to but we don’t always concentrate on listening to others. We focus more on our agenda than on the other person’s thoughts, concerns or issues.

Don’t assume others are mind readers.

We want some kind of action or response from another person. However, we don’t let them know what we really want or how to achieve it. Before assuming the other knows what you want, first inform and then ask for feedback. Take the time upfront to get better mileage later on.

Don’t shot the messenger.

We want to understand but our ability to understand is tainted by our perceptions of the person speaking or the outcome we are looking to achieve. So, we often pass judgment on the speaker and disregard the message. Concentrate on the message not the messenger.

Join forces.

We want acceptance and agreement from others, so much so, that we often become consumed with having to be right or proving our point. We push and push our agenda. Rather, stop, look and listen for areas of mutual agreement. Then work from there to co-create a greater outcome together.

The next time you are involved in an important conversation pause your mental and verbal tape player for a moment. Then start really listening. It’s amazing what you will discover. Perhaps information that can lead to your leadership and business success.

DAILY AGENDA DAY 2

SESSION

TOPIC

MODE OF INSTRUCTION

TIME

DURATION

1

Basic Communication Skills

Presentation and discussion

9:30-11:00

90 minutes

Break

11:00-11:15

15 minutes

2

Interacting with difficult customers

Brain- storming

11:15-12:00

45 minutes

Dominant Communication Style

Quiz

12:00-12:45

45 minutes

Lunch Break

12:45-1:45

60 minutes

3

Practically handling Difficult Situations

Role Play

1:45-3:15

90 minutes

Break

3:15-3:30

15 minutes

4

Develop listening skills

Game 2 /

Discussion

3:30-4:45

75 minutes

Feedback

Discussion

4:45-5:00

15 minutes

BRAINSTORMING

Brainstorming can be an effective way to generate lots of ideas on a specific issue and then determine which idea – or ideas – is the best solution. Brainstorming is most effective with groups of 8-12 people and should be performed in a relaxed environment. If participants feel free to relax and joke around, they’ll stretch their minds further and therefore produce more creative ideas.

A brainstorming session requires a facilitator, a brainstorming space and something on which to write ideas, such as a white-board a flip chart or software tool. The facilitator’s responsibilities include guiding the session, encouraging participation and writing ideas down.

Brainstorming works best with a varied group of people. Participants should come from various departments across the organisation and have different backgrounds. Even in specialist areas, outsiders can bring fresh ideas that can inspire the experts.

There are numerous approaches to brainstorming, but the traditional approach is generally the most effective because it is the most energetic and openly collaborative, allowing participants to build on each others’ ideas.

Creativity exercises, relaxation exercises or other fun activities before the session can help participants relax their minds so that they will be more creative during the brainstorming session.

CONTENT

Give your opinion and creative solutions as to what communication tips and tricks to apply when dealing with the following situations?

An irate customer
A person who does not have knowledge about the product
A price sensitive customer

OBJECTIVE:

Is to challenge the mental faculty of the participants to come up with creative communication solutions for common situations in everyday work life of a salesperson

METHODOLOGY:

·        Define your problem or issue as a creative challenge. This is extremely important. A badly designed challenge could lead to lots of ideas which fail to solve your problem. A well designed creative challenge generates the best ideas to solve your problem. Give yourselves a time limit. We recommend around 45 minutes, but experience will show how much time is required. Larger groups may need more time to get everyone’s ideas out. Alternatively, give yourself an idea limit. At minimum, push for 50 ideas. But 100 ideas is even better.

·        Once the brainstorming starts, participants shout out solutions to the problem while the facilitator writes them down – usually on a white board or flip-chart for all to see. There must be absolutely no criticizing of ideas. No matter how daft, how impossible or how silly an idea is, it must be written down. Laughing is to be encouraged. Criticism is not.

·        Once your time is up, select the five ideas which you like best. Make sure everyone involved in the brainstorming session is in agreement.

·        Write down about five criteria for judging which ideas best solve your problem.

·        Give each idea a score of 0 to 5 points depending on how well it meets each criterion. Once all of the ideas have been scored for each criterion, add up the scores.

The idea with the highest score will best solve your problem. But you should keep a record of all of your best ideas and their scores in case your best idea turns out not to be workable.
DOMINANT COMMUNICATION STYLE: QUIZ

Try this fun self-quiz to find out your dominant Communication Style. Afterwards read about the different styles and reflect on how you can work with others of a different style. Choose the number of the statement that most closely resembles you:

1. At a large social gathering, you are most likely to:

a. interact with many different people, strangers included.

b. talk one-on-one mostly with people you already know.

c. use the opportunity to make important contacts.

d. leave as soon as it is polite to do so.

2. When you first arrive at a meeting you are usually…

a. …a bit late, and try to sneak in the back without being noticed.

b. …purposely a bit late, you like to get there when things have started happening already.

c. …arrive right on time and feel impatient if the meeting starts late.

d. …arrive early so that you can be ready and organized when the meeting starts.

3. If you were famous in your field, which career would most suit you?

a. Movie star

b. Head of a company

c. Inventor

d. Humanitarian

4. What style of entertainment do you most enjoy watching?

a. Something warm and friendly.

b. Something quirky and intellectual.

c. Something political or satirical.

d. Something wild, outrageous and/or fun.

5. Of these four personality traits, you consider your strongest to be:

a. Compassion

b. Assertiveness

c. Imagination

d. Persistence

6. The statement that most closely describes you is:

a. Sensible and frugal.

b. Rational and quick-witted.

c. Sensitive and reliable.

d. Creative and fiery.

7. Which appeals to you the most?

a. Taking action on a calculated risk.

b. Creating harmonious human relationships.

c. Discovering the secret behind a complex mystery.

d. Going to an exciting social event.

8. Which rules you more?

a. Your heart

b. Your head

c. Your wallet

d. Your libido

9. New and non-routine interaction with others:

a. …usually stimulates and energize you.

b. …revitalizes you, if you have a special connection with someone in the process.

c. …taxes your reserves, and you aren’t afraid to let people know it.

d. …taxes your reserves, so you quietly slip away when no one is watching.

10. When doing group projects, which part of the process is most important to you?

a. Creating relationships with people.

b. Sorting out who is playing what role in the project.

c. Organizing the way the project is done.

d. Making sure the process of doing it is fun and exciting.

11. If you suddenly have some spare time on a weekend, what you usually most WANT to do is:

a. …contact several friends and see if there is something fun going on.

b. …have some quality time with one or a just a few people.

c. …get a number of important things done on your TO DO list.

d. …focus your energy on one specific hobby or project.

12. You want to buy a special gift for a new friend that you don’t know very well. You are most likely to:

a. Buy the first thing you see that you intuitively think they would like.

b. Carefully find just the right thing, after much comparison-shopping.

c. Buy the same special gift you always buy for special people.

d. Get someone else to buy the gift, or just give your friend some money.

13. Which description most fits you?

a. Hard working and ambitious

b. Animated and gregarious

c. Focused and efficient

d. Cooperative and gentle

14. Most of the time, when working, you prefer:

a. To do your job quietly on your own.

b. To be an integral part of a team working together.

c. To influence the team in new and creative directions

d. To be the leader and structure-maker for the team

15. When the phone rings do you

a. …answer it immediately and talk at length.

b. …look forward to the call, but wait a few rings before answering.

c. …deal with whoever it is quickly and efficiently.

d. …hope someone else will answer it.

16. Your favorite type of clothing to wear:

a Something comfortable, practical and low key.

b. A unique ensemble that makes a statement.

c. An expensive-looking power outfit.

d. Something easy-going and nice.

17. Which genre of fiction to you most prefer:

a. Mystery, documentary or science fiction

b. Feel-good story or romance

c. Epic, historical or action

d. Comedy, psychological thriller, glitzy

18. Which is more admirable:

a. The ability to organize and be methodical.

b. The ability to take charge in a chaotic situation.

c. The ability to motivate others to succeed.

d. The ability to make people feel comfortable and included.

19. In terms of comedy, I most closely identify with people who can:

a. …tell a heartwarming, funny story.

b. …tell a good joke.

c. …create great characters through movement, voice, costume, etc.

d. …tell a witty one-liner, pun, or wordplay.

20. If a conflict arises between a friend and I, my first reaction is to:

a. …make sure they understand my position on things.

b. …make sure the relationship doesn’t get damaged.

c. …avoid that person for a while.

d. …find a compromise, where we both get at least part of what we want.

Communication Style Quiz – Answers

Circle the answers you chose. Then, count the number of A’s, D’s, N’s, and C’s you have at the bottom

1.             a. D           b. N           c. A           d. C
2.             a. N           b. D           c. A           d. C
3.             a. D           b. A           c. C           d. N
4.             a. N           b. C           c. A           d. D
5.              a. N           b. A           c. D           d. C
6.             a. C           b. A           c. N           d. D
7.             a. A           b. N           c. C           d. D
8.             a. N           b. C           c. A           d. D
9.             a. D           b. N           c. A           d. C
10.            a. N           b. A           c. C           d. N
11.            a. D           b. N           c. D           d. C
12.            a. D           b. N           c. C           d. A
13.            a. A           b. D           c. C           d. N
14.            a. C           b. N           c. D           d. A
15.            a. D           b. N           c. A           d. C
16.            a. C           b. D           c. A           d. N
17.            a. C           b. N           c. A           d. D
18.            a. C           b. A           c. D           d. N
19.            a. N           b. A           c. D           d. C
20.            a. A           b. N           c. C           d. D

Total A’s _____

Total D’s ______

Total N’s ______

Total C’s ______

Total should come to 20

Read on about the various Communication styles. Keep in mind, the descriptions that follow are extreme examples to illustrate how they differ. Most people are a combination of the four styles, and some people are so unique, they don’t fit into any quadrant. Use the descriptions simply as a guideline to help you see how workplace communications can be greatly affected by an individual’s style

Demonstrators

Demonstrators are people-oriented, fast-paced and enthusiastic. They usually have more open and casual body language. They tend to be animated and outgoing, and prefer an informal atmosphere. Demonstrators can be outrageous, spontaneous, excitable and sociable. They ideas people who like to be in the limelight. If over-balanced in this style some weaknesses may show up such as being unreliable, self-centered, overly optimistic and indiscriminate.

How to recognize Demonstrators

They tend to:

• be somewhat disorganized

• have trouble being on time and keeping track of details

• wear bright colors

• sit in an open posture

• take the initiative in the conversation

• laugh easily and loudly

• are fun-loving

• like to talk about themselves

Types of professions where you find many Demonstrators

• Salesperson

• Trial Lawyer

• Entertainer

• Public Relations Officer

• Advertising Executive

• Social director

Famous people who are predominantly Demonstrators

Steve Martin

Carol Burnett

Robin Williams

Jim Carey

Lucille Ball

Jerry Lewis

Elvis Presley

Zig Ziglar

Pierre Trudeau

Marilyn Monroe

Charlie Chaplin

Assertors

Assertors are fast-paced and direct, like Demonstrators, but are more task-oriented, than people-oriented. They tend to be hard working, ambitious, leader types. They are good at making decisions quickly and efficiently. They are goal-oriented, assertive and confident. Assertors are the take-charge people who let nothing stop them. If over-balanced in this style some weaknesses may show up such as being too impatient, competitive and judgmental.

How to recognize Assertors

They tend to:

• like timeliness and efficiency

• look and appear powerful and formal

• sit in an erect posture

• be highly discriminating in many areas (people, opportunities, food, etc.)

• laugh less frequently than demonstrators, maintain a more serious demeanor

• take a leadership role in most situations

• ask pointed or challenging questions

• have strong opinions and creative ideas to share

Types of professions where you find many Assertors

• Corporate CEO

• Politician

• Stockbroker

• Lawyer

• Hard-driving newspaper reporter

• Independent consultant

• Drill sergeant

• Film/TV Director

• Entrepreneur

Famous people who are predominantly Assertors

Jonathan Winters

Bea Arthur

Joan Rivers

John Cleese

Muhammed Ali

Carroll O’Connor

Ed Asner

Clint Eastwood

Candace Bergen

George C. Scott

David Letterman

Margaret Thatcher

Contemplators

Contemplators are task-oriented like Assertors. However they are more indirect and slow-paced. Contemplators tend to be analytical, detail-oriented, thinker types. They are persistent, good problem solvers, and pride themselves on their orderliness and accuracy. Often seen alone, they tend to have quiet, low-key personalities. If over-balanced in this style some weaknesses may show up such as being too withdrawn, rigid, closed-minded, and overly pessimistic.

How to recognize Contemplators

They tend to:

• wear conservative, simple, functional clothing

• sit in a closed posture

• keep to themselves

• not initiate conversations, wait for you to do that

• take copious notes

• maintain meticulous organization

• stay serious, rarely laugh

• like to hear facts, figures, statistics and proof

Types of professions where you find many Contemplators

• Accountant

• Secretary

• Bookkeeper

• Repair person

• Engineer

• Draughtperson

• Electrician

• Plumber

• Jeweller

• Scientist

Famous people who are predominantly Contemplators

Albert Einstein

Rick Moranis

Steven Wright

Woody Allen

Leonard Nimoy

Paula Poundstone

Deepak Chopra

Victor Borge

Carl Sagan

Al Gore

Angela Lansbury

Narrators

Narrators are slow-paced and indirect like Contemplators, but they are more people-oriented like Demonstrators. They are warm, friendly, gentle and cooperative. They highly value relationships over goals. They are good at listening, have a sweet temperament, and tend to be open-minded. Most people find them to be loving, and emotionally intuitive. If over-balanced in this style it can show up as overly meek and easily sidetracked.

How to recognize Narrators

They tend to:

• come across as very accommodating and helpful

• wear casual, simple clothing, nothing too loud

• take the initiative to create relationships, like to both talk and listen

• have pictures of family on their desk

• laugh quietly and often (but sometimes they’re laughing just to be polite)

• show gratitude easily

Types of professions where you find many Narrators

• Counselor

• Teacher

• Minister

• Human Resources Manager

• Nurse

• Social Worker

Famous people who are predominantly Narrators

Mary Tyler Moore

Bill Cosby

Jean Stapleton

Written by mayur

E-Bikes in China: The Way of The Future

E-bikes are now confirmed to be a transportation phenomenon that has captivated riders in the Asian subcontinent for the last decade. Yearly sales of e-bikes in China alone have risen from 40,000 (1998) to over 10 million (2005). The category of e-bikes include both bicycles that need to be pedaled and are supplemented by electric power and scooters that use electricity as the sole basis of its motion.

Nevertheless, why exactly has this occurred? And why is it so specific to the Asian subcontinent? In North America, e-bikes are now looked on as a fad that only dedicated environmentalists from San Francisco tend to ride. But the differences between the transportation geography in America is vastly different than that of India or China.

In America, the infrastructure in place favours public transportation over personal transportation (in places such as New York, not in places such as Los Angeles, where personal transportation is the mode of choice). And the e-bike is a form of personal transportation. Therefore, for e-bikes to catch on in places such as the U.S., the public transportation option would have to degrade to such a degree that users would be compelled to find an alternative mode of transportation such as an e-bike. This drastic change, however, is highly unlikely to occur.

Why are people in China flocking towards e-bikes though? What exactly are the benefits of such a product?

Speed

When a sample study was conducted in the cities of Kunming, Shijazhuang and Shanghai, over 80% of the people surveyed responded by saying that they chose an e-bike because it was “fast”.  Speed in those cities seem to be paramount as people want an efficient way of traveling so as to spent more time doing what it is they need to do as opposed to spending time getting to where they need to be.

This is especially true for the large amounts of private couriers that do the majority of their business on e-bikes. Faced with enormous pressure from global express companies (such as UPS and FedEx) and an incessant rise in both fuel costs and consumption, companies such as ZTO Express based in the Shanghai region are now solely using e-bikes to conduct their operations.

Another company, SF Express had to tell their customers that they could no longer get discounts because fuel costs jumped 16% over a period of just a few months. Global express companies like FedEx are aggressive – they made sure their prices for delivery were lower than the local option. This kind of practise is equivalent to what manufacturers called “dumping”, a method of competing in a foreign market by reducing prices, even if it means going lower than costs. Faced with this kind of competition, courier companies found the e-bike to be the perfect solution and have now effectively begun to compete successfully.

Cost

Although respondents in the survey previously mentioned preferred speed, the primary reason overall for choosing an e-bike is cost. An E2V electric bike manufactured by Hero Electric in India costs about 0-0. In comparison, a petrol fuelled bike would cost about 0-00. With a price difference this significant, many households buy up multiple e-bikes and use the family car only on special outings. In addition, petrol fuelled bikes cost about – a month to maintain (in terms of fuel costs). The users of these bikes in India come from lower-income families, therefore, saving an average of /month is very significant.

E-bikes such as the E2V requires no kick-starting, and only requires a rudimentary car wash (around ) in order to maintain it. This is because e-bikes do not come with the problems that plague normal combustion bikes. The E2V requires no lubricants, does not have spark plugs and most importantly, it does not have any moving parts that would normally require maintenance.

Pollution

E-bikes do not produce any emission whatsoever. Gas-driven bikes emit a lot of tailpipe emissions, but this is not a concern on an e-bike, because the vehicle does not even have a tailpipe. This is a boon for residents in urbanized areas such as a major city like Shanghai or New Delhi where pollution is a major problem.

Cars, trucks and buses contribute over 50% of all air pollution in a city (the other half coming from industrialization). Therefore, the introduction of a vehicle that emits no emission is a major priority for health officials who want to curb pollution and eventually eradicate it (a lofty goal, but one that is not without merit). In fact, many health laws which have been passed in countries such as China have prompted users to buy and use e-bikes.

All this sounds excellent and any reasonable person will approve of e-bikes. But what are the disadvantages?

Safety

The disadvantages of e-bikes are few and far between, but one of them is a major deal breaker for anyone looking to get an e-bike – Safety.

In November of 2006, the city of Guangzhou banned the use of e-bikes. Before then, the cities of Fuzhou and Zhuhai also banned e-bikes. These actions came after the recommendations of the traffic management bureaus in the individual cities citing concerns for traffic safety. The reason is quite odd – e-bikes are very quiet.

Due to their low decibel level, e-bikes are nearly inaudible to the human ear and when they share the road with other vehicles, they can cause fatal accidents. This danger is heightened when you add pedestrians into the equation. Traffic fatalities are very high in urban cities in China and pedestrians more often than not, are the victims.

Another safety issue is related to pollution. Now, while e-bikes emit zero emissions, they still run on electricity. In China, 75% of plants are powered by coal. Therefore, by using e-bikes, users are contributing to pollution nonetheless because of increased electricity consumption. In countries like Canada, say, in Southern Ontario, where 50% of power comes from Hydro, the use of e-bikes would be less polluting. Unfortunately, China has a far road ahead if they intend to use clean technology to power their plants.

There is also a minor issue regarding road space. E-bikes generally move more people per lane than automobiles, but buses (such as a transit bus) move more people per lane than e-bikes. The only advantage of riding an e-bike over a bus is cost, speed and relative clean emissions.

E-bikes are clearly in demand, but which companies are producing them? We have already mentioned the E2V made by Hero Electric in India, but what other companies around the world are manufacturing e-bikes to satisfy burgeoning demand?

Let us first examine the various technological innovations that are facilitating the rise of e-bikes around the world.

Toshiba, the popular electronics giant came up with the SCiB technology that allows e-bike users to charge their vehicles in 30 minutes rather than the 4 hours it typically took to charge an e-bike. On a commercial charging station, that time can be cut down to minutes (5-7 according to Toshiba). The major benefit other than the time efficiency is that riders will now be able to use the battery for a minimum of 2000 cycles, rather than the industry average of 600-1000 cycles. This means that users can use their batteries more than twice as long before they would have to change the battery on their e-bike.

It is also important to note that certain companies are now developing aesthetic styles for e-bike users in order to customize their look. This is an important development, because it signifies that e-bikes are reaching that phase akin to popular electronics such as the iPhone, where user-driven customization contributes significantly to the growth and popularity of the product. For example, Tai-Her Yang of Taipei, Taiwan developed an ornamental design for an electric bike and has even patented the unique style.

Other major players in the e-bike manufacturing business include Ultra Motors, Electrotherm and Eko Vehicles. These companies now comprise of over 80% of India’s marketplace. One of them, Ultra Motors, is a multinational manufacturer and recently introduced a new model of bikes called “A2B”.

It is clear that companies around the world are realizing the potential growth in e-bikes. But what are the long term changes needed to sustain that growth? The answer is infrastructure.

As of now, there is a lack of adequate infrastructure in place in markets that e-bikes have a stake in (such as China). This poses a huge problem from both manufacturers and the respective governments. The major obstacle is the implementation of charging stations throughout the city. These stations would function very similarly to gas stations. With recent innovations to technology (such as Toshiba’s SCiB), riders can essentially be able to go into a charging station and then proceed to recharge their batteries in a matter of minutes.

The catch of course, is that there seems to be a lack of political will in order to justify the inordinate cost of implementing such infrastructure.

Nevertheless, this does not reduce the significance of e-bikes. There are many indicators of growth in the e-bike industry. These include technological innovations, demographic changes and socio-economic tendencies. We wish to highlight them with details:

Batteries: When e-bikes first emerged, they used liquid acid electrolyte in the battery. Now, however, e-bikes are operated by batteries that use valve-regulated Pb-acid that solved the problem of previous liquid batteries from spilling (say, from an accident or a fall) and causing environmental damage.
Motors: There have been two main innovations. First, is the advent of brushless motors. Before 2000, most e-bikes used brush motors, which had a rotating speed of only 300 rpm. With brushless motors, that speed jumped to 2000 rpm. Brushless motors have a longer life, require lower maintenance and perform better when climbing hills or rough terrain.

The second advantage is that the efficiency of the motor used in e-bikes jumped       from 50% in 1995 to 85% in 2005; a significant increase. The main benefit of this was that the range of e-bikes rose by 60%, therefore users could ride longer and farther than ever before.

Income: China has had a well-documented rise in income level over the past decade. This has had a direct impact in the growth of e-bikes as households look to take advantage of the vehicles’ high efficiency and relatively inexpensive cost of both purchasing and operating. Average disposable income rose by 82% in the years between 1997 and 2004 (from 5/year to 80/year).
E-bike prices: When e-bikes first appeared on the market, the average cost was around 0 (in China). Now, potential buyers can purchase an e-bike for less than 0 with improved quality and performance from the initial selection.
Energy costs: In Shanghai, gas prices average .39/liter. 6 years later, prices had ballooned by over 45% and average prices hovered around .60/liter. In addition, the Chinese government invested heavily into electricity infrastructure (especially in rural areas), so electricity prices fell while gas prices rose. This double effect effectively provoked people to purchase e-bikes which took care of the cost of gas consumption and took advantage of lower electricity costs.

There are also other minor contributing factors to growth. One of them is demographics. As more and more women enter the workforce, their use of transportation rises. As of 2008, women were one of the primary drivers of growth in e-bikes. Reasons being that e-bikes are very easy to use, require almost no maintenance and are affordable (many households have multiple bikes).

Written by akamble
Young, ambitious film and music video director. Love to share knowledge and help people achieve goals.

More Bikes Articles