Debt Negotiation Services – A Practical Option If You Can’t Pay Back Credit Card Bills

Living has never been that difficult after the economic crisis hit the world as many areas were affected and many people got under the stress and pressure that how would they payback their debts. We are living in a credit based economy where everything is purchased on the basis of plastic money. In the past, it was not an issue until the dilemma took us over and people were not aware that they would stick into such a viscous circle of debts that getting out would not be possible for them. In this regard, Debt Negotiation Services were introduced which gave hope that there are certain ways to get over this situation rather than getting bankrupt and rupture the financial image with bad credit score and no loan sanction for the upcoming 8-10 years. All this was not possible before as it is now.

High level of debt has led people to find ways to settle these debts and the ways are there in terms of bankruptcy, debt settlement and credit consolidation. We have seen that the most recommendable of all the programs is debt settlement as it has chances of reducing half of the total payables while half can be paid in easy installments. In debt settlement, you have to go through the process of negotiations and convince the creditor to agree on your terms of payments. These negotiations can either be done personally or you can hire a Debt Settlement company that can give you appropriate Debt Negotiation Services and guide you through the pros and cons of the debt settlement procedure.

Basically in the debt negotiation services, there are certain meetings of people of high expertise and experience who represent the debtor and negotiate on his behalf by telling him the situation of the debtor including his financial status and negotiate for the payments. It is a practical option to cut off half of the payables in this term as the debtors are not eligible to pay such huge amounts. Moreover, the threat of bankruptcy works as a tool in this negotiation as once a person is declared insolvent, not a single penny is given back to the creditor and he cannot pressurize the debtor as the debtor is protected by the Government.

Hence Debt Negotiation Services should be a wise decision to adopt them and have a healthy reduction of about 50% in the total payables. If you have unsecured debts worth $ 10,000 then go for debt settlement and settle your bills at half payments and live a peaceful life.

The Benefits of Having Good Negotiation Skills

If you’re interested in the benefits of possessing good negotiation skills chances are you are a business person, seeking to improve your skills, a timid person, fed up with being at the bottom of the food chain, or the type of person who just likes learning new things.

Few people actually realize negotiating is nearly an every day part of life, the only thing which defines negotiation from “cutting a deal” is the perceived importance to the affected parties.

What exactly are good negotiation skills? We’ll explore this question in a manner a little more serious than negotiating “You can go out Friday night if you mow the yard”.

A good negotiator must be intelligent, which doesn’t mean you’re of Einstein IQ, sometimes just the opposite is true. A person must be intelligent enough to realize they are either ignorant of the subject, which is nothing to be ashamed about, nobody knows it all except a fool, or their knowledge is dwarfed by their opponent. One must be willing to research and perform his due diligence in order to understand the subject and be able to intelligently understand and converse about opponent’s proposals.

In order to become a good negotiator one must not only understand human emotions and behavior, but be able to perceive what emotion the opponent is experiencing, when they’re experiencing it and why. In theory negotiations should always be void of emotions, the “can’t take it personal” attitude, should always rule. However, who is negotiating; humans and humans have emotions, which some can control or hide better than others, but still experience. By analyzing your opponent, which a sharp negoiator will have a plan in place to extract reactions to certain questions or situations, you will be able to put yourself in your opponent’s place which could grant you insight to his motives and how to address them.

A great negotiator will maintain a reputation of being honest and fair, which doesn’t mean weak. Many inexperienced or arrogant people placed in the position of negotiating a matter or contract will maintain a staunch position of wanting everything their way, from all their demands to the temperature the air conditioner is set, which only creates an adversarial and confrontational atmosphere. Simple issues will become mammoth obstacles and it quickly becomes a “I’ll take my ball and go home” situation where everyone digs their heels in and refuses to bend.

The great negotiator will understand to arrive at a position both parties can live with, he must ultimately present a win – win situation and he’ll do everything in his power to prevent a confrontational atmosphere from being created.

I was once involved in a set of contract talks where the situation had become stalemated. The ground rules were any request for a recess had to be made onan alternating basis, in other words if the company was granted a recess they could not request another one until the union had used one.

I was taken off guard when the union chief negotiator suddenly requested an unexpected recess, then we just sat at the table doing nothing. When the company human resource manager returned to the table the union spokesman asked if he was alright. The man looked surprised and nodded his head yes. The union spokesman replied “Good, I could tell you weren’t feeling well so I called a recess.”

“I ate something bad at lunch,” the man replied. From that point on, because one negotiator displayed a human concern for the others well being over the importance of the contract talks, the logger head was broken and negotiations were quickly resolved.

Traditional Anniversary Presents for Your Parents

Parents are two of the dearest people in our hearts and yet finding the perfect modern or traditional anniversary presents can be so stressful! Do not fret for we have prepared a list of traditional anniversary gifts for their 20th to 50th wedding anniversaries that you can’t go wrong with.

20th – China
Usually, an antique china dinnerware set is the perfect gift for this occasion. However, if your mom already has a beautiful set, you may want to find a pretty china spoonrest that matches the design of her china plates. Or you can find picture frames in fine china with love quotations painted on them. You can place a beautiful picture of your parents together in the frame.

25th – Silver
The 25th anniversary is a milestone wedding anniversary. Therefore, the 25th wedding anniversary presents to parents must be extra special. A thoughtful gift could be a personalized silver plate wherein you can engrave the names of your parents, their wedding date and a romantic quotation that describes the kind of love and relationship that they share. You also can’t go wrong with silver jewelry, a classic his and hers bracelet or wristwatch for each of them.

30th – Pearl
Pearls are the traditional anniversary presents for 30th wedding anniversaries. As your parents celebrate their 30th anniversary, you could choose to give them a beautiful Mother of Pearl bowl, figurine, or vase. Even better, if you can find a specialty store that sells capiz wind chimes, this would surely add more beauty to your parents’ already lovely home.

35th – Coral
Since coral is the customary theme for the 35th wedding anniversaries, here are some traditional anniversary gift list suggestions. If your parents like reading and cherish their book collection, you can give them a coral bookend set. You may also opt to buy them a beautiful figurine or chess set made out of coral stone. If your mom is into colorful jewelry, you can buy her a beautiful coral necklace, chances are she won’t have that in her jewelry collection already since coral isn’t really very common. And for your dad, you can buy him coral cufflinks. The playful color will surely standout from his collection of neutral colored shirts.

40th – Ruby
The 40th wedding anniversary has the ruby gemstone associated to it. A lovely vase or paperweight in a ruby red shade would be classic option. On the other hand, you may also give them a set of monogrammed towels or pillowcases with their initials in red. Observing the red scheme will show you are thoughtful in celebrating the event.

45th – Sapphire
Sapphire jewelry is the traditional gift being given on a 45th wedding anniversary, as the beautiful blue of the sapphire is attractive on most people. Thus, you can hardly go wrong. However, if you don’t want to give another piece of jewelry again but want to stick to the theme, you may want to check out sapphire toned stained glass arts or even deep blue candles. These would be very nice decorative pieces for your parents’ living room.

50th – Gold
This certainly is the most celebrated among wedding anniversaries. Loving the same person for half a century is beyond doubt, a testament of true love. Gold is the appropriate gift for this moment as not only is gold beautiful but it is also strong and resistant to corrosion. A very thoughtful present to give to your parents is a personalized golden anniversary book, which showcases a collection of their most memorable pictures, quotations, poems, love letters, love songs, movies and other memorabilia. Of course, it would be much nicer if it was elegantly designed and wrapped in gold.