Democracy

Here's an idea inspired by President Bill Clinton. In 2005 President Clinton set up the Clinton Global Initiative (CGI) to "help turn good intentions into real actions and results." For as Caroline Myss said, "You cannot change anything in your life with intention alone, which can become a watered-down, occasional hope that you'll get to tomorrow. Intention without action is useless." The CGI focuses on four areas: 1. Education, 2. Energy and climate change, 3. Global health, and 4. Poverty alleviation At the CGI's Annual Meeting, each member makes a commitment to take action. What's more their commitments are declared publicly and each member's commitment is documented in the form of a...

Many of my 1-1 career coaching clients say they benefit the most from the weekly accountability personal coaching offers. They know the next week I will ask them about their progress in achieving their goals. Clients do not want to meet for our coaching call to tell me they did not take the necessary steps needed to get results they desire. They find having someone to be accountable to helps them keep focused on the most important steps they need to take. As a result, they are more productive in their job search. Are you using an accountability group in your job search? If not, you may consider joining one to help you stay on track. What is a job search accountability group? An accountability group...

Successful teams cannot exist without accountability--high performance and accountability go hand-in-hand. Accountability starts with understanding the truth and continues with the thoughts, words, and actions of everyone involved in your organization. In my book, Winning with Accountability: The Secret Language of High-Performing Organizations, I explain how accountability is the key to long-term, sustained organizational success. To create a high-accountability culture, an organization must be able to identify accountability gaps. Execution fails when accountability--the process and language of transferring strategies into reality--is missing. If you have ever experienced a failure in a...

I just heard of two cases that raised great alarm about our future. You see, I have always believed that we must invest in our children with education because will become our future leaders. Now, I am wondering about who will be our future leaders. A professor for a University in Canada ordered, 50 of my books on The Power of Personal Accountability. Normally, quantities of my books are sold to Managers or HR Directors. But, this was a professor in the Science Department. I called to find out how they were using my book. The professor said, "I am buying it for my students." As she further explained, "The students today seem to have an entitled view of life. For example, a student who flunked the...

One of the most elusive concepts in management is accountability. In leadership roles, accountability is the acknowledgment and assumption of responsibility for actions within the scope of a role or position, encompassing the obligation to report, and be answerable for resulting consequences. So what does this really mean? A senior manager cannot delegate responsibility, he can only delegate authority to a subordinate and then hold that subordinate accountable for due performance. One of the biggest mistakes managers can make is to continuously frustrate their employees by not holding them accountable. Believe it or not, it can frustrate your employees as much as it does you. Accountability is the...

As solicitors of public funds that are supposed to be used to accomplish great things in the community and the world, nonprofits must show they use donated funds for the purposes intended. They also need to show the sources of their funding and what portion goes directly to their mission versus toward administrative or fundraising expenses. Financial audits are one solid way to reassure the public and funding sources that you are financially accountable and responsible. Nonprofits are not legally bound to conduct audits. But in the interests of transparency and accountability and your ministry's long-term benefit, your bylaws should mandate them on an annual basis. The Evangelical Council on...

All business owners juggle numerous responsibilities over the course of a normal day. We process information from a wide variety of sources while wearing many hats. The volume of information that we process makes identifying, focusing on and measuring the really important data difficult. Many business functions appear to be critical and, therefore, worthy of our attention. The result, we spend too much time working inside the operation and not enough time working on the operation. At Four Point, we encounter many businesses in many industries. We find the companies that work the best are those that work simply. That is, the best businesses combine their people and processes to efficiently meet daily...

After hearing Coach Cerino from Limestone describe this lacrosse drill on our recent podcast (you can hear him describe this drill in his own words on the free sample) I just fell in love with the concept. As you know our criteria for great lacrosse drills is fast paced, involving a lot of players, and they must emulate lacrosse game situations. In this drill we hit all the criteria across the board. But most of us in a half field set seem to violate the last of these key criteria for drills. Often when we run our lacrosse drills and we are working on offense if they lose possession we just simply hand it back over to the offense to begin to play again. Or if they do not have a shot backed up, we...

We all "Talk the Talk". We understand that we must introduce accountability into the organization if we have any hope of achieving our objectives. Yet, many companies struggle, some unknowingly, with this concept for many different reasons. Long term employees can become complacent, competencies can be limited, a free pass is sometimes given for a variety of reasons and the "Peter Principle" is still alive and in existence today; Promoting people beyond their ability to perform. That's not to say that many employees, often the majority, understand the concept and want to be held accountable. But, what about those that don't? Here are some simple concepts that may help you "Walk the Walk". 1. Make...

Accountability is one of those principles of business that is an important foundation of organizational culture but is easily shrugged off as a buzz-word. Ask someone in your organization to define accountability, and you may hear any number of answers, from "I don't know" to "following the rules." You might even see some eyes roll. Accountability is rarely explicitly defined, whether for the organization as a whole, or for the departments and teams that work within them. While a well-designed performance management system may hint at the underlying accountability philosophy, rarely does an organization define the daily act of accountability, even for its leadership team for whom it is most...

When I am asked by coaching clients about how to instill a culture of accountability, questions pop into my mind related to the kind of culture that exists without it. When accountability is at issue, it almost always suggests that the culture is not committed to high performance. Commitment and alignment around shared beliefs is critical to success and sustainability in an organization. When Managers are not accountable by their senior leaders, it sends a message down the org chart, either directly or indirectly, that a lack of accountability is acceptable. Employees perceive this and mirror what they see. It's one of the reasons why senior leaders need to not only be aligned themselves, but need...

The tide's coming in, fast. Your kayak is there on the sand, starting to get gently nudged. Meanwhile you're flat out on a beach towel. Hot sun. Cool breeze. Iced tea. Are you going to get up in time to save your kayak from floating out to sea? Your business may be calling, all kinds of important things to get done. But who can lift a finger when the sun is so bright? Sipping iced tea is just like checking email. If you checked email 1000 times yesterday, you're just as likely to check email 1000 times today. And not get to that really important project that's going to really help your business set sail. What's going to make you get to it? Well, if sand blew in your face and your bills weren't going...

"We are accountable for our decisions in our personal life so why shouldn't we be just as accountable in our work life." - Catherine Pulsifer One of the greatest killers of successful ecommerce is a lack of accountability. When these individuals worked for someone else they were held accountable and were kept 'on task'. As a home-based business owner it can be very difficult to stay the course. Beyond the discovery of your priorities it might make sense to identify an accountability partner to help you reach your goals. The ideal candidate for the position could be a business associate that's a little further down the trail of business experience. It could also be a friend or family member. The...

All Barack Obama had to do was challenge Justice Clarence Thomas in public once, just once, and you had to know he would get a legal challenge out of it. "I don't think that he was a strong enough jurist or legal thinker at the time, for that elevation, setting aside the fact that I profoundly disagree with his interpretations of a lot of the constitution." As you can probably imagine, that really infuriated Uncle T(h)om(as) who has spent his entire life ingratiating himself to the powers that be to get to his Supreme Court decision. Most people think of Barack Obama as a community organizer because that was a very large part of his campaign. Most even know that he was also a professor at the...

The Companies Act 2006 was given royal ascent in November 2006. The latest act updates the previous Companies Act 1989 and has introduced significant changes to the way limited companies operate. The changes have been implemented on over a staged period to allow companies time to update their constitutional documents to reflect the changes. The constitutional documents for UK companies are called the memorandum of association and the articles of association. These should clearly define the activities of the company, and set out the structure of the company. The memorandum of association typically states the company name, the objects which define what the company will do, the extent of the members...

Imagine taking a child to a medical doctor with rheumatic fever and juvenile arthritis so severe that the crippled nails on his fingers lacerated the palms of his hands. That was the case of Otis G. Carroll (1879-1962). Luckily he found an MD who studied with Sebastian Kneipp who cured him. Later Carroll studied herbs. Then off to Chicago where he trained in chiropractic and with naturopath Henry Lindlair. Carroll went to Spokane, Washington to introduce nature cure there. He stayed there until he died in 1962. His approach was:o Health must at all times come from and maintained by digested foodso Assimilation converts it to nutritiono Failed digestion creates tendency to disease Carroll is...

Most people do not realize the significance of their rights and privileges under the United States Constitution, as well as under the Constitution of the State in which they reside or happen to be in at the time of being stopped by police. State Constitutions often provide greater personal protection than the Federal Constitution, but are required by law to provide, at minimum, the rights guaranteed under the Federal Constitution. Most importantly, we are all obligated to stop and comply with police requests for identification, or risk arrest for resisting arrest or interfering with a police officer's duty. However, beyond that, the Constitution protects our right to remain silent and not be...

Constitutional rights are in place to help protect you from different things. If there is improper police conduct or you have been wrongly charged you have rights. Most of the constitutional rights have to be observed at the state level also. There are a few though that the states do not have to observe when prosecuting you. The particular ones that are being referred to are the Right to Bear Arms, Right to Indictment by Grand Jury and Excessive Bail. If you are charged with a crime you will need to know which rights will help to protect you and how. Article 1, Section 10 protects you from the ex post facto laws. This means if you are charged with a crime and the laws have changed you can only be...

Type 2 diabetes is a serious condition that affects many millions of people Worldwide. For every two people that have the condition, another five are at risk of developing it. Moreover, the onset of type 2 diabetes usually comes later in life so senior citizens are particularly at risk of developing the condition. One in five of the population of the United States that are aged over 60 has the condition. What is Diabetes? Diabetes is a condition in which your body does not properly control the amount of glucose in your blood stream, which results in you having elevated blood sugar levels. This is because your body is not producing enough insulin on its own, or if your body is not properly using the...

Grief and anger often becomes a heavy burden for people as they age. Throughout life, people experience grief over many things. They grieve if there home burns down, lose a job or a pet. However, an area of loss that is not usually considered with grief is the physical decline during the aging process. Grief can be detected, in seniors, by the comments they make about losing their youth. Many times, they speak with remorse at lost youth, decreased functionality, and body strength. When a senior citizen notices they are losing muscle strength, or begin experiencing arthritis, stiffness, and joint pain, it's not unusual to notice anger. They become upset and wish to escape the betrayals of their...

Are you prepared for the changes in homeowners insurance? Here is how the new Florida law describes your options: Effective January 1, 2009, any home being insured with Citizens with a value greater than $750,000 located in the "wind-borne debris region" must have opening protection (such as storm shutters or impact resistant windows and doors) that complies with the Florida Building Code. The wind-borne debris region consists of an area where the maximum wind speeds during a hurricane could exceed 120 mph. This includes most of the coastal counties like Collier, Lee, Sarasota, Monroe, Dade, Broward, Palm Beach, etc. - Do the changes in homeowners insurance present you with more questions than...

Many senior citizens singles today want to get back into dating. They love the feeling of dating when they were younger. Perhaps now they feel that dating is for the kids and not themselves anymore. As a senior citizen, one should have more reason to date. At this time of someone's life, the most important thing is to enjoy life as it comes to you. This is the reason why it is better for single senior citizens to date once again. There are many ways to find a date. You can join local seniors clubs and meet people there. The advantage here is you get to see and get to know that person. Another advantage is you know they live your area, making dating that much easier to coordinate. You can also try a...

As the senior citizens age get more they try to avoid every kind of exercise that would make them fall. But a very important fact is to keep the muscles strong even if the individual cannot walk or move freely for a period of time. That is the area where stretching for these person's are very critical, because the method of stretching improves your joints and helps to strengthen the muscles. These types of stretches are very important for the senior citizens, for a start try to walk for five to ten minutes to get your muscles warmed up. Warming up is a very important part of it as without this you will damage your muscles very easily. For each particular stretch hold it for about 10-20 seconds and...

Senior citizens face a lot of difficulties lifting themselves up and sitting down. Little do they know about the recliner chairs available to add mobility to the physical disability. These are perfect device for those wanting to move around freely inside or outside home. May be you want to walk around the campus or your lawn without making use of any room mate or family member's support. Transport wheelchairs are specially designed for your comfort. They are narrowed down to make you move comfortably even in a narrow passage, tight hallways, narrow door etc. These are foldable and can be carried easily to be stored anywhere with comfort. You now enjoy the new found freedom and carry out your daily...

Falling is an important health issue among senior citizens. Statistics from various studies have indicated that each year falls occur in 35 to 40 percent of people 65 years of age and older who are otherwise healthy and probably living independently. Half of these falls may result in injury to the senior citizen, and about 18 percent require medical care. Health and wellness may dictate more care to prevent falls. Diminished and poor balance puts older people at risk for falls which may cause injury. Exercise can help a person with balance which will help to prevent a fall, and it is never too late to exercise. Walking may seem difficult but is beneficial to build strength and improve balance...

Have you ever had chickenpox? After exposure to chickenpox, the virus that caused it (varicella-zoster virus) remains in the body, residing in some nerve cells. This virus can become active again in the form of a disease called shingles which results in pain and blisters. Senior citizens are at especially high risk for developing shingles. It is important that seniors and those involved in caring for senior citizens know about shingles. The onset of shingles is similar to chickenpox in that it produces feelings of being sick and rashes on the body or face. The main difference is when these diseases develop - that is, chickenpox mostly affects children while shingles will always occur in adults...

Once upon a time, senior citizens were old people. They were assumed to be suffering from ill health and in need of care. They sold their homes so they could move in with children or move to a care facility. Not any more. Now senior citizens exhibit the same variety of health and fitness as people much younger. In fact, those who have actively taken care of themselves are probably more fit than those in their teens and 20's who shun exercise and live on junk food. So, assume nothing, because senior citizens come in many varieties, with many different goals. Many choose to remain in their homes, while others want a change of scenery. But even those want to sell have different reasons. Some want to...

Seeing the Light: Why Lighting Is Important for Senior Citizens As people age, they consider home improvements that will make their living spaces both safer and more enjoyable. Some senior citizens choose to downgrade to a smaller and easy-to-manage home, while others improve the safety of their current household by making sure railings are tightly installed, rugs are put on slippery floors and stairs are covered in soft carpet. One factor that is often overlooked is the lighting throughout the home. While it may seem simple, lighting is one of the most important features of the home, especially as people get older. According to SeniorJournal.com, senior citizens need three times the amount of light...

There was a time when senior citizens who lived alone in their homes had a lot more worries when it came to being safe and secure, but new technology for elderly alarm systems has changed all of that for the better. Today, it is very inexpensive to install an alert system in the home of a senior that will help them notify emergency services if there is ever a problem in the home. When elderly alarm systems first hit the market a few decades ago, they were bulkier, more difficult to install and usually required the help of a trained company technician in order to set them up. Today, however, these alert systems can usually be installed by the purchaser, and it's as simple as hooking it up to the...

Are There Really Senior Citizens Job Opportunities Out There? Are you a senior, and have you convinced yourself that there aren't any more senior citizens job opportunities lurking in the underbrush these days, let alone walking down main street U.S.A.? Do you subscribe to the notion that all senior citizens job opportunities are now being grabbed up by smooth complexioned youngsters that don't remember a world with Ted Williams and Frank Sinatra in it doing their thing? Wake up! Look around you. Sure the economy is in some pretty sorry straits, but this kind of down turn has happened numerous times throughout history and men and women have all survived it. There are real, honest to goodness senior...

Overwhelmed with a challenge of epic proportions, BP makes both a smart PR move, and also an earnest plea for assistance. The company asked all citizens for innovative ideas to help in cleaning up the oil spill and stopping the leaks. Interestingly enough, 3700 tips immediately appeared within the first few days of their announcement that they wanted help, ideas, and innovative solutions. Even Russian Scientists called in, they of course are into "Going Big" - and one of their scientists suggested Nuking the bottom of the ocean in that region and that would collapse and cave in the hole, plugging it up forever. Would it work? Yes, actually it would and the Russians volunteered to come and set off...

Walt Disney World Resort is a great place to go if you want to feel like a kid again. And with such a variety of attractions, entertainment, shopping and dining, Disney offers plenty of options for senior citizens. Whether you are staying at a Disney resort or just going to the theme parks, you will find many places that cater to seniors. Resort accommodations Disney offers plenty of accommodations at their resorts and you can always ask which options are available. From wheelchair-accessible bathrooms to roll-in showers and tub handrails, accommodations vary depending on special needs of guests. Similarly, there are plenty of wheelchair-friendly attractions at Disney parks. And whether or not...

The majestic River Nile, considered by many to be the lifeblood of Egypt and the Middle East, offers the ultimate in luxury river cruising. Temples, sacred valleys and amphitheatres abound on a cruise between riverside destinations. Few places on earth continue to captivate from one century to the next. All luxury river cruises in this region feature Cairo as a top sightseeing destination. Cairo is the capital and largest city of Egypt and aptly translates to "the triumphant." Cairo is located on the banks and islands of the Nile River in the north of Egypt. Cairo is a fascinating juxtaposition of ancient and modern architecture, citing such monuments as the Pyramids, the Hanging Church, the Sphinx...

Real Estate Boom in the Middle East will continue for at least another 10 years. Experts view is that if there is no natural calamities this trend will remain buoyant for the next decade and it will be difficult to get hotel rooms to residence to live in next five years. As we saw in the last 4 to 5 years the real estate market in the Middle East, specially in Dubai, Abu Dhabi, or adjacent areas have been booming. There is no end of construction. Due to over construction the supply of building materials becomes even scarce. The prices of such commodities have gone up. Example cements are not found, still price is sky rocketing. Builders face difficulties to hand over their buildings on time and the...

The Center East is really an area dominated by arid and semi-arid lands, with substantial places of extreme aridity. In the northern section of the area, a steppe climate prevails, with cold winters and warm summers. A narrow zone contiguous to the Mediterranean Sea is classified like a Mediterranean zone, with wet and moderately comfortable winters and dry summers, whereas the central and southern component using the core of the Arabian peninsula is very dried out with very warm summers and moderate temperatures in winter. Water is a very restricted resource. Droughts, desertification, and drinking water shortages are permanent features of life in most of the countries within the area. Their native...

It can be marked as the best occasion for Ayman Adel Kamal who is presently the Vice President of the real estate and investment division of the Dubai Islamic bank, when his bank won the best investment bank award for their achievement over the past 12 months. This would not only increase the reputation and market credibility of the "Dubai Islamic bank", but also boost the moral real estate investors and builders who seek capital investment through the bank. Incidentally the Dubai Islamic Bank which has funded many real estate investment propositions and neighboring areas is led deeply by the principles of Islam contributing another factor to being labeled as the "best real estate investment...

It is one thing to create a flourishing economic state. But it is quite another daunting task to keep the flag high in spirits years later. As the current rulers in UAE are basking in the glory of oil rich reserves, the same may not be the case for ever. Like every other natural reserve, even oil will vanish. Then what? Will the economic dream run end? Will the riches become obsolete? Will the expatriates look for more lucrative pastures? There are too many questions to be answered if Dubai has to remain a leader for long in the Middle East. Administrative capabilities, leadership qualities have to be nurtured in the next generation to carry forward the legacy. Is Dubai equipped to face realties of...

The trouble in the Middle East is in the news again and with it all the fresh speculation and rhetoric about why it is happening. Some say it is over the land, others say it is the oil, others say it is religion. The fact of the matter is that the entire situation in the Middle East and the differences between Israel and the Muslim nations goes back thousands of years to two brothers, one names Isaac and one named Ishmael. The story goes like this, Abraham and his wife Sarah wanted a child all their lives and as they were getting very old with he being 86 and Sarah at 76 and felt God wasn't going to keep the promise to them, Abraham slept with Sarah's servant Hagar by arrangement from Sarah and a...

I am well aware that teenagers often think that people over thirty don't know anything. They are partially right---many of us don't know much about things that interest teenagers, and don't really want to. But that's not what I meant by the title of this article. When a group is formed at church or in some other organization, a Senior Citizen is seldom asked to lead it. It is just assumed that they aren't capable of thinking clearly enough for such an important job. If a senior citizen applies for a regular 9-5 job, he or she is not likely to get it if there are other equally qualified applicants, or often some not as qualified applicants. Should a Senior Citizen choose to run for President, a major...

Are you in the hate-to-admit-to-aging Baby Boomers Generation caring for elderly parents? Me, too! And, like me, I'll bet you are also always on the look out for creative ways to multiply your time, easily multi-task, and find helpful tips to be able to get more accomplished with less time. One thing that has helped my senor mom and myself is when she finally agreed to try out one of the Jitterbug cell phones for senior citizens. These large and simple cell phones for seniors are truly easier for them to use and even include the option to just dial O for the Operator who will then make the phone calls for our senior parents. She is actually quite proud of herself that she hasn't had to resort to...

As people get older, they look forward to more freedom than ever, as can be seen in senior citizens. Elderly people want independence in the way that they live, eat, work, and carry out other everyday activities. For these aged people, senior independent living is an ideal choice because they can be on their own. As human beings we will always have the desire to live independently, and this desire stays with us for our entire lives. With the increasing demand for these homes, there are a number of retirement apartments that offer complete freedom to their senior residents. They have their own space to enjoy their lives the way they want. So whether you are looking for the best retirement communities...

A recent study on seniors has shown that independent senior citizens assisted living is the #1 choice for them versus living with a loved one. Most people feel that living with others would cause them to be a burden on them. As an individual grows older, they begin to need the assistance of others more and more. Unlike a decade ago, seniors have become a part of the information age by learning about computers and the latest gadgets. Due to this fact, there has be a flux of new state-of-the-art senior facilities catering to computer savvy seniors. Many of the senior citizens that have just retired from jobs that required them to work with computers prefer to continue to be around computers as they...

As the United States slips into a mild recession in 2008, which will last well into 2009, we see a huge problem with job losses and lay-offs. But there is even a harsher challenge on the horizon - Small Business Failures. Typically, small businesses employ two-thirds of the US workforce and when they have severe financial stress there is not a whole lot left to hold up the economy. You can see how the spiral can spin out of control; but what can we do? We must start forming "Red Magic Marker Committees" to reduce the over burdensome bureaucracy that embattles small businesses. By stopping the insane over regulations that needlessly put small business owners in the poor house and open them up to...

How do you eat an elephant then? (The whole ELEPHANT?!?) The correct answer is, "You eat it one bite at a time for a long time!" The way to complete any large task has basically the same answer, "One step at a time." Taken all together, it really is formidable. Chunk it down into parts, steps or sub-tasks, and each one of these is much less formidable. Your specific steps can each be not at all hard, something that's no problem, which can be done. And when you have completed all the steps, you suddenly realize that you have come all the way up from the beginning to the end of completing the whole, huge project! That's just precisely how it really is with how to beat Spanish bureaucracy. Here then is...

LIKE RUNNING WHILE WEARING COMBAT BOOTS: Bureaucracy-Officialism, Red Tape, and Proliferation Organizations usually see themselves as smoothly coordinated operations, even when they are not. A baseball analogy can help us see the point. Early in the 20th century, the Chicago Cubs team members Joe Tinkers, Johnny Evers, and Frank Chance were baseball's most celebrated double-play combination. Joe Tinkers would scoop up the ball at shortstop and wing it to Evers covering second base. Evers would touch the bag or tag the runner sliding towards him, then snap the ball to Frank Chance on first before the batter arrived at the bag. "Tinkers to Evers to Chance" became part of American folk idiom. I Like...

ign="center"> Corporate life can take a serious toll on the mind, particularly if you happen to be the one caught amidst the company's hustle and bustle. There are a thousand things that need to be done any given shift, and you'd need at least a shift just to get one of those tasks to be done properly. There are also the occasional added duties of the typical employee, such as the meeting with the boss, rant sessions with fellow employees, and the pressures and responsibilities that the typical worker adds to his already overwhelming set of problems. The need for stress relief is most commonly seen among people who are doing the dry grunt-work of a company, the ones working the trenches at the...

A parasite is medically defined as an organism that lives on within another organism atthe expense of the host. Bureaucracy is an administrative system, which places undueemphasis on adherence to complex procedures and inflexible rules of operation. It is anadministration characterised by excessive red tape and routine. This impedes effectiveaction, slows down decision-making and adds unnecessary layers of costs. Bureaucracyis sometimes described as the tail wagging the dog and is a parasite to productivity. It isalso like the millstone around one's neck, limiting mobility. Most of the large organisations have some form of bureaucracy. It is a given, inherentstructure created largely by Alfred P...

p>In a world of increasing stakeholder expectations and decreasing resources, aggressive cost cutting programs have run their course. Where do you turn next? Increasing a company's revenues and gross margins, and knowing where (and how) to reduce costs without negatively impacting customer satisfaction, employee productivity and morale, or business processes that are working effectively requires a precise and systematic understanding of exactly what organizational culture is and how it works in organizations. Most managers struggle against the flow of overly complex structures and systems and are often frustrated by an invisible force that undermines their attempts to affect positive change. Their...

The financial jugglery of the credit card companies have become town talk for all the people. It is because these companies are proved not for the benefits of the consumer but only to maximize their own resources by decreasing the resources of the consumer. Their dual behavior regarding charging the customers is completely weird. They impose hidden charges and variable interest rates without any prior notice to their consumers. Their charging is unfair and legally not allowed. There is a huge difference in the consumer's own credit detail and the company's credit statement that is sent to the card holder. But the situation is changed and all the tables are turned towards these companies. All this is...