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If you thought that debt consolidation is the only way to settle your debts, think again. There is another effective method by which you can pay off your creditors and it is debt settlement. Debt settlement, otherwise known as debt negotiation is a process where you or a qualified professional contacts your creditors and negotiates your debts to a subsidized affordable amount.

Negotiating debt settlement can be a very economical option to pay off your debts. You can hire the services of a professional debt arbitrator to handle the negotiating process on your behalf or you can even consider doing it yourself with the help of expert advice and tips. Usually debt settlement services offer resources that can help get the best settlement but it is crucial that you find an ethical agency to get the best quality services.

Debt settlement can effectively help save you money, but you need enough finances to make a lump sum payoff to your creditors. Before going for debt settlement, you need to determine your affordability to arrange for the money to pay off your debts. The most common ways to arrange the required money is through tax refunds, second mortgage, home equity loan and savings. If you are planning to apply for a loan, ensure you review your repayment abilities carefully or you may end up with more overwhelming debt.

If you have several debts to pay, it would be wise to pay off ones with the highest interest rates before the rest. Also when negotiating debt settlement, remember to arrange a deal where your creditors would not report the deficiency balance as this could impact your credit scores and your credit rating could suffer for several years.

Although most people hire professional help to negotiate debt settlement, it is possible to do it yourself. Here are some things to keep in mind if you decide to negotiate debt settlement yourself:

ASK FOR A CUTBACK: It is always wise to ask for a cutback on your debts even though your creditors may try to pressure you for the full amount.

DO NOT BE HASTY – Never rush through the negotiation or you may end up making a pricy mistake. It is crucial that you remain calm, thorough and focused throughout the meeting.

NEGOTIATE ON TERMS – It is very important that you negotiate on terms to settle the debt. It is not as difficult as it may look and is pretty simple to master the terms and conditions. There are several programs that can guide you in negotiating debt settlement to help reach your desired outcome.

Business presentations can make or break a business proposition. Understanding key design elements and setting up your presentation can go far to assure success. There are specific items techniques that will assure a quality product. While there many other approaches, permutations, sources, and skills, these will produce a very high quality product.

The first item we want to consider is the presentation theme. Microsoft PowerPoint is probably the most readily available product. Because of this, we will focus on a presentation using this product. First, Microsoft PowerPoint offers a variety of themes as part of the package. These are not very imaginative, but in general they are conservative and will not make a bad impression. Moreover, you can tailor the color pallet, font selection, and font size on the master for each of these themes. Don’t stray too far from what is expected, but keep in mind that a good impression is the objective. Since this is the case, you probably should perform a search for free downloadable PowerPoint themes from the Internet. This will expand the possibilities, increase the impact, and improve the professional feel of your presentation.

Next, ensure the text in your presentation offers correct grammar and spelling. Nothing destroys the impact of a presentation like the immediate sense that the product is sloppily prepared.

If you are making a presentation, you are selling something. You may be selling your expertise. You may be selling the conclusions you reached from research. You may be trying to close a contract or win an investor. While you may not be a sales person, you need to expect that by definition a presentation means you are selling. Therefore, you need to decide what conclusion you expect your audience to reach. Then you need to set up your presentation to deliver that conclusion. This means that your charts need to tell them what you want them to understand, explain why this is important to them, and emotionally involves them in reaching your intended conclusion.

Now for the individual charts of your presentation. Keep your audience focused. This implies that every chart should be animated. This feature will take a few minutes to master, but choose appropriate animations that bring the audience’s focus to the charts with each main bullet. Follow the main bullets with animations bringing in subsequent bullets one at a time or in groups as the presentation objectives support. Changing it up can be valuable. A single very consistent display of items may not be the best choice. Instead use a variety of animations considering what is appropriate given the intended message and the audience.

Next, apply transitions between the slides. Transitions again help bring your audience back in focus as the motion of the change helps regain their attention.

Finally, apply graphics that support emotionally the conclusions your presentation intends.

As a presenter, these hints for visual appeal, quality appearance, solid fundamental form, and impactful display go far to assure the desired presentation result.

There are so many things we have to… and need to do… and want to do… that it is easy to jam pack our to-do list, our schedule and our life with busy-work. BUT it is necessary to do so? You may be saying “Yes, of course it is. How else am I going to get things done?” Well, that depends on what you have to get done.

If you are a do-er and an action-taker-and dare I say ‘perfectionist’-it is very easy to get caught up in the doing of it all. But where does living your life like you want it fit in? It really doesn’t because you are so busy being in the future about what you have to get done and feel you should be doing that you forget to live in the here and now.

My dad had a saying, well he actually had two that are relevant to share with you: “One day at a time” and “One thing at a time“. He was good at saying “I’ll be with you in a moment, right now I’m finishing this.” Meanwhile my mother and I are racing around doing (and not finishing) ten things to his finished one. I know for sure, by my own experience and those of my friends and clients, that when your attention is not in one place, neither are you. You simply cannot give whatever you are doing justice if you are not fully present.

Have you ever spilled a beverage, dropped something, banged into the corner of your desk, or stubbed your toe while you were trying to do something else? That’s being in the future (or the past). And oh yes, the spilled beverage on your carpet, the shattered screen on your dropped smart phone or the stubbed toe absolutely brings you into the present in a very fast way! It’s a rude reminder that you need to slow down, take a breath and maybe take a break.

I had a client who woke up one morning, got out her cereal bowl and her juice glass, and before she realized what she was doing the bowl was full of cider. She was upset and beating herself up over this. It actually threw off her entire day and when I asked her what was going on the moment before she poured the cider, she said she was thinking about her day and all that she had to do and what she wasn’t going to finish. And so there you have it: when we are not present, we can’t fully be mindful of what we are doing.

Would you like to experience fewer mishaps and mistakes throughout your day? Do you want to accomplish things and have them done right the first time? Be with yourself and not 10 steps ahead.

Here are three quick and easy ways for you to check in with how you feel and be more mindful and present in the moment:

• Take a breath. Do you feel frazzled? Simply stop moving. Sit or stand still and breathe in to the count of 5 (slowly), then hold for a count of 2 and let your breath out for a count of 5, pausing for another count of 2. Try it right now – don’t you feel better?
• Look around you. Are you jumpy and anxious? Look at where you are and what’s near you. Name what comes into your vision and give it a moment’s thought. The dog, “Oh, he’s actually snoring in his sleep”; the knickknack you picked up on vacation and what a fun time you had; the clouds in the sky and the shape they appear to you. Small distractions will settle your thoughts.
• Change your view. Do you need to get out of your office? Do you need to go outside? Sometimes stopping what you are doing and taking a break is essential to help you be more mindful. Whatever it is, do it. Just five minutes can do wonders for your focus.

Follow the above tips and you’ll be mindful and in the present moment in no time (without stubbing your toe). You’ll be happier, more productive and relaxed too