The Dentition - Affinity Bank Dental Newsletter

It's the new year – just following the holiday season which was a time for family, fun and lots of presents. And for many Americans, it was also a time for major spending, leaving them with big credit card bills come New Year's. But what's a person to do when there's a big expense coming up and no savings to cover it? Ideally, you'd de- lay the expenditure until you had the cash. But who was going to tell your kids that Santa needed them to wait until Easter? It's no wonder that many of us opted to whip out the plastic. However, after asking the right questions, you might find a personal loan is a better option for future big spending. • How much time do you have? • What's your credit score? • What's your credit card interest rate? • How much money do you need? • How long will you need to carry this debt? For the answers to these questions visit our website for the full article. https://www.myaffinitybank.com/dentition.aspx Source: Judy McGuire, NerdWallet © Copyright 2015 NerdWallet, Inc. All Rights Reserved Want to $ave Money on Merchant Services? A complimentary rate review and savings analysis of your current merchant statement offers a simple and effective way to reduce your processing expenses. For more information, contact Tara Buddin at (770) 548-8029 or tbuddin@myaffinitybank.com! *Affinity Bank accounts and services are subject to approval. Loan approvals are subject to normal credit qualifications. **Merchant services provided by Vantage Card Services, Inc. Credit Cards Vs. Personal Loans In 2014, Affinity Bank saved their clients over $75,000! •No application fee •No long term contract •Personal Service •Reward Points •Low Rates •Low Cost 4 Simple Steps to Better Your Own Business with "A" Method Hiring Today! 1. SCORECARD. Create an overiew document for every role in the company, listing a set of outcomes that the person in that role must accomplish and a set of competencies they must display in order to deliver an "A" performance. 2. SOURCE. Finding "A" players is challenging. That's why you should always have a pipeline of A Players waiting when a position becomes available. Re- ferrals that come from your personal and professional networks are typically the best sources for new hires. 3. SELECT. Conduct a series of four structured interviews, in which you gather all the relevant facts about a candidate necessary to complete the scorecard. • The Screening Interview is meant to eliminate most "B" and "C" players. If the candi- date's answers to your key questions are satisfactory, you can advance them to the next stage. • The Topgrading Interview is the most important step in the interview process. This interview serves to find out the history of the candidate's career and asks: what they were hired to do, what the high and low points were, how their bosses would rate their performances and why they left. This interview provides insight into who the candidate is, what's important to them and how they operate which is crucial to understand. • The Focused Interview involves interviewing successful topgraded candidates with other members. This interview should involve asking any additional questions and gather follow-up information about specific outcomes and competencies of the scorecard. • The Reference Interview is the final interview and involves checking references against what the candidate provided and gathering supplemental information from bosses, coworkers and (for management positions) subordinates. 4. SELL. When you find the "A" Players you want to have on your team, you must convince them to join you. Source: Fornes, Don. "Put "The A Method for Hiring" to Work." New Talent Times Blog. 25 Oct. 2013. Web. 15 Jan. 2015. .

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