Debt Negotiation – Basic facts you should know!

Debt is something each one of us has to deal with. With the current tools we have in our hands for spending, there is not dearth of instances which will land us in debt. Debt can be comfortable to pay off, so far as it is manageable, otherwise it might turn out to be quite a nightmare. Paying off debt is another part and paying off the interest on the debt is a different matter all together. The more you are unable to pay, more you will keep going down in the debt bog. But this is not the end, you can solve all your debt problems if you can approach the perfect help in time.

So what is the solution you have to pay off the debt like an honest person? You have several solutions, but if you are currently facing bankruptcy, you can try debt negotiation, with the help of debt negotiation you can pay off at least the loan amount without the interest.

Whom do I approach of debt negotiation and how will they begin? There are debt negotiation services to do this job for you. It is their regular work, they regularly and successfully help out a lot of people who are in a financial mess like you. They cannot promise you instant respite, debt negotiation takes some time, since they have to study your case and negotiate the final debt amount with the credit companies, but they will surely help you out.

What is the immediate benefit of going through the debt negotiation process? The immediate benefit is that you stop receiving phone calls for payment of your debts. You also stop making payments to the creditors, and instead you start making payments to the negotiation services. The amount to be paid generally is decided by the debt negotiation services.

What will be the next step in debt negotiation? The next step in debt negotiation is that the creditors will make a study of all your financial reports, the debt negotiation services will show them enough proof that you do not have enough assets or no assets to cover up your debt amount, neither do you earn so much that you would be able to repay the debt. Any further pressure on your financial state would mean bankruptcy for you.

How do the creditors react to these reports? debt negotiation means negotiating the final debt amount with the creditors, this is the reason why debt negotiation brings you respite. Creditors agree to forego more than 40% to 50% of the total amount because they feel that they should get back at least some part of money, since they would not get any repayment if you went bankrupt. So all in all it is extremely profitable for you and you will be able to repay the loan a lot faster than you were paying before.

I was paying the debt negotiation services some amount each month, what is to be done with that money? debt negotiation services are the ones who will play middleman to reduce your total debt amount, the money you have been paying in the account of the debt negotiation services will be used by these services towards paying off the debt. It the loan amount is more than what has been collected so far, then you might be require to pay off the creditors for some more months, but it should not be a hassle for you anymore since the debt amount has been reasonably reduced.

Check these links to learn more:


http://www.commercialdebtcounseling.com

http://www.commercialdebtcounseling.com/business/business-y/business-index.shtml

Who’s Afraid of the Big, Bad Presentation? – How the Pros Make Nervousness Their Friend

“There are two types of speakers. Those who get nervous and those who are liars.”

-Mark Twain

Everyone is afraid of a presentation, physiologically. Toastmasters International reports that the following professionals have admitted to feeling nervous when speaking in public: Mark Twain, Ronald Reagan, Carroll O’Connor, Barbara Streisand, Anthony Quinn, Garrison Keillor, Sally Struthers, George Burns, James Taylor, Liza Minelli, Joan Rivers, and… Mary Sandro. I couldn’t resist adding my name to such a star-studded list!

Many presenters fight their nervousness. They deny it or use it as an excuse for not presenting. The first step to making nervousness our friend is to accept that it is normal. I dare say, the more nervous we are, the better a presenter we can be. The rationale for this seemingly ludicrous claim lies in the physiological understanding of nervousness.

Making a presentation is an opportunity and a challenge. Any time we are faced with a challenge, our bodies produce adrenaline. Psychologists refer to this as the “Fight or Flight” response and there is no way to stop it. It is wired into our genetic makeup and our bodies have been producing adrenaline for thousands of years.

Adrenaline is a fancy word for energy. When we are faced with a challenge, like making a presentation, our bodies produce energy. That almost sounds helpful, doesn’t it? In fact, from this point forward we will never call it nervousness again. We don’t get nervous; we have excess energy! All of those nervous symptoms we experience like dry mouth, shaky knees, hyperventilation, and butterflies are nothing more than excess energy getting the best of us. Now, what if we could take that energy and get the best of it?

Energy is a necessary ingredient for a successful presentation. Nervous presenters have a lot of raw energy available to them, which is why I claim they can become great presenters. This is also why I disagree with the advice most often given to nervous presenters, “Just relax.” This advice is counterproductive and almost physically impossible to execute.

When was the last time you went into a performance or a competition relaxed? Maybe the last time you didn’t perform very well. We need energy. Some call this energy the competitive edge. Some call it inevitable. It’s very difficult to fight thousands of years of evolution. If we think a presentation is a challenge, which it is, our bodies are programmed to produce adrenaline or energy. Instead of trying to fight this natural, helpful phenomenon, why not use it?

The difference between a polished presenter and one who seems to be having a nervous breakdown is not that one is nervous and the other is not. Physiologically they both are producing excess energy. The difference is how they use the energy. Polished presenters use the energy positively. Historically nervous presenters can too.

In general, things exist in pairs, on a pole as opposites. For example, there is hot and cold, light and dark. Things on the same pole can be changed into one another. Light can be changed into dark and hot can be changed into cold, but cold cannot be changed into light. The same is true with emotions.

Emotions exist in pairs, on a pole as opposites. For example, there is happy and sad, love and hate, anxiety and anticipation. Happy and sad are of the same pole and can be changed from one to the other. The same is true with anxiety and anticipation. Nervous presenters allow their energy to manifest as anxiety, while polished presenters channel that energy into anticipation.

The same energy that creates nervousness or anxiety can create anticipation or excitement. There are many strategies for shifting the energy to the higher end of the pole. The most helpful are mental strategies. To keep the energy anticipatory and exciting, focus thoughts on positive aspects of presenting. Visualize only success. Imagine the benefits of presenting and focus on the opportunity rather than the challenge.

Another strategy for shifting the energy is to get in touch with the physical feeling of anxiety in our body. Where is the feeling centered? Is it in the gut, throat, or somewhere else? Once located, move it up one inch higher and notice how the emotion changes. This mental and physical relocation will shift the emotion to the higher, more positive pole of anticipation or excitement. Do this exercise anytime nervousness strikes, even just before the presentation.

To summarize, everyone gets nervous when they present, even the pros. Nervousness is nothing but excess energy that we can use to generate an emotional state of anxiety or anticipation. Be gentle with yourself and make friends with the energy by focusing on the positive aspects of presenting. Know that the energy can propel you to great presentations by giving you the necessary competitive edge.

What Negotiators Need The Most Begins With A “T”

At the end of the day, all negotiators want to achieve the same thing: a good deal. The question that we all face is just exactly how go about making this happen in our next negotiation. No matter what negotiation styles or negotiating techniques are being used in a negotiation, there is one skill that we all need in order to be able to make that good deal happen: tenacity.

What Is Tenacity In A Negotiation?

If we take a look in the dictionary in order to find out what tenacity is, they will tell us that its:

te•nac•i•ty noun
the quality or fact of being able to grip something firmly; grip.

So what we’re really talking about here is your ability to hold on to something. In the case of a negotiation, that means that you want to hold on to the successful deal that you know that you can get.

The reason that you’re going to want to be tenacious in a negotiation is because you are in the process of trying to sell something to the other side of the table. You want to sell them on both yourself and your ideas. They may not initially accept either of these items. When that happens, it’s going to be your tenacity that will see you though.

Every negotiation has its own set of difficult circumstances. This can actually work to your benefit. When everyone else views a negotiation as containing insurmountable challenges, they won’t show up to participate in the negotiations. This can open the door for you. If you show up with determination and tenacity then you’ll be able to make your way through the difficult issues and will be able to make the deal successful.

How Can You Use Tenacity In A Negotiation?

Just deciding to be tenacious is a good first step. However, it’s not enough. The real trick to being tenacious is knowing when and how to use this skill. If you can master both of these aspects of tenacity, then you will have developed a skill that you can use in every negotiation.

Tenacity should be used in a negotiation when one or more of the parties involved starts to doubt that a deal can be reached. The reasons for this can be many – all of a sudden the open issues will just start to appear as though they are unsolvable. When this happens, many negotiators will just give up and call it quits. If you have tenacity, then you’ll be willing to make the investment that it’s going to require to move through these issues and reach a deal with the other side.

How to use tenacity is something that often is unclear to negotiators. What has to be done is that the negotiations have to be expanded. This includes expanding both the amount of time and the amount of effort that you are willing to invest into the negotiations. What you always need to keep in mind is that in order to make this deal happen, you always need to be selling both yourself and your ideas.

What Does All Of This Mean For You?

All negotiators want the same thing – a good deal to be the result of any principled negotiation. In order to make this happen, we need to have the ability to stick with a negotiation no matter how difficult it may appear. What we need is tenacity.

Tenacity is the ability to hold on to the deal that you want to achieve no matter what else is going on in the negotiations. We need to realize that in every negotiation there will be a set of circumstances that show up that can make reaching a deal look impossible. Using your tenacity you’ll be able to stay with it and keep working towards the deal that you know is possible.

In order to use tenacity in a negotiation you need to understand where it is best used and how to use it. The best place to use tenacity is when things look the darkest. Tenacity is best used when it looks like there is no way that both parties are going to be able to bridge the divide that exists between them. In order to use tenacity you need to be willing to expand the negotiations to include more time and effort.