Can a Debt Settlement Letter Help You With Debt Negotiation?

Before you spend any time looking for a sample credit card debt settlement letter, know that they may not be necessary for you to get debt relief. You can achieve your goals, get your debts reduced and significantly reduce your stress and anxiety levels with debt negotiation. But you may not need outdated methods to achieve those goals.

Many people still believe that they can send a debt settlement letter to their creditors and get a timely response to their offer that agrees to all their demands. This is not the case anymore. The major credit card banks like Bank of America, Chase, Citibank, and Discover card receives millions of pieces of mail every month. You cannot expect them to read your letter and provide a quick response if at all to your offer.

If you do happen to receive a response, it will probably say that they do not offer debt negotiation programs or that you have to call in to their call center to discuss your account.

A letter through the mail cannot “negotiate” for you. A negotiation is something that is dynamic and can change in a few minutes. The only way to do this is over the phone. In order for do-it-yourself debt negotiation to work, you have to get comfortable with calling up your creditors and negotiating a reduction on your balances. It works the same just as if you were buying a used car.

It is actually easier to do over the phone because you cannot see the other person and they cannot see you so that makes it easier to play hardball and negotiate for a larger reduction than if you had to see them face-to-face.

Once you fall 120 to 150 days behind on your credit card payments you may start to receive debt settlement offers from your creditors which give you a starting point on the negotiations. Since they have shown they are willing to negotiate, you can call them up and see if they will accept a smaller lump-sum payment that you actually have. You may not have the amount they are asking for in the letter.

Then once you have reached an agreement on an offer that you can afford, ask your credit card bank to fax or mail you the details of the settlement with the payment amounts and due dates. This is the only “debt settlement letter” that you must have before you make your first payment on your settlement. You can negotiate without using any other debt settlement letters.

Do Your Presentation Work With A Laser Pointer

It’s downright incredible how cheap laser pointers are these days. Lit up 30 years, ago the laser diode is the basis of all of the world’s cheap lasers. You can get a decent one on eBay for less than 10$. A laser pointer is very useful, and one of its most popular usages nowadays is wireless laser presenter.

At some point or another in everybody’s working life, a presentation in front of one’s peers, colleagues, or customers is inevitable. Laser presenter offers a very nice alternative to remaining tethered to a PC while cranking through the PowerPoint presentation. In fact, as the product name so ably illustrates, the wireless laser Presenter not only gives presenters the ability to walk away from the PC showing their slides, it lets them highlight key information items on their foils with an intense spot of bright light.

Most wireless laser presenter combines office help functions to simplify the process. Functions like advance or reverse the slide deck, scroll page up, down and more. There are two kinds of technology – FR and Bluetooth wireless technology both enables 10 meters effective range. To handle it, simply plug in the USB dongle to the PC, then pairing the laser presenter with dongle, OK well done. Due to high efficiency, though powered by two or more battery cells, it can last for days to use.

Green laser pointers are nothing special these days, either. People think green laser is more visible because humans eyes are somehow 10 times more sensitive to green light than red light. Even the green beam can be seen at some high power green lasers, and the dot is clearly visible on bright surface even sunlit surface. Choose a green laser will helps your audience easily catching the dot and thereby, your points in presentation.

Fear of Speaking – Public Presentation Anxiety? Panic No More!

Is it really possible to overcome the fear of speaking, public presentation anxiety and learn to panic no more when in front of an audience?

Let’s admit it: Most of us dread the thought of speaking before others. Some people have even ranked their fear of speaking, public presentation anxiety and the very thought of being in front of others above their fear of death! However you might feel about it yourself, there are good reasons why you should be interested in public speaking.

It is pretty safe to say that public speaking is a skill that everyone needs. Yes, sooner or later, you may have to face an audience. You may be called on to teach a class of co-workers, pitch a proposal to a client, or explain a financial report to managers.

Actually, speaking skills are essential in a wide range of jobs, including journalism, management, public relations, sales and marketing.

What, though, if your fear of speaking, public presentations etc is so intense and relentless, that you choose your career so that you can eliminate all the chances of you having to step in front of an audience? Well, what about a job interview? Being able to speak well on a job interview may mean the difference between getting hired or not. On the job itself, your ability to express yourself can work in your favour. It may even mean a better job, higher pay, or at least more respect.

Learning good speaking skills can thus benefit you in a variety of ways. Even so, you may still feel anxious at the thought of getting up before an audience. Is there something you can do to overcome your anxiety? Yes, there is.

Tips for anxiety free public speaking:

Don’t be brilliant:

You don’t have to be brilliant or perfect to succeed! The essence of public speaking is this: give your audience something of value. In other words, concentrate on the message, not on yourself or your own anxieties.

Talk, don’t perform:

Your speech should not be a performance. Rather, it should be a conversation. The more conversational your approach, the more relaxed you will be. Try to connect with your audience, not as a mass, but as individuals. Show a real “personal interest” in your audience, and speak the way you normally talk. The way to do this is not to speak to the audience! Instead; talk some time to a single person in the audience. Choose someone who looks friendly. Then, turn to another person and tell another thought to this person.

They don’t want you to fail:

A common reason for anxiety is fear of embarrassment or of being judged by your audience. Luckily the fact is that audiences tend to want you to succeed, not fail! They are on your side!

Nervousness is not all bad:

Contrary to popular belief nervousness is good for you and your presentation. Why is that? Because a measure of nervousness reflects modesty, which will help keep you from becoming overconfident. Many feel that a little nervous energy actually makes them perform better.

Talk, don’t read:

Use outline instead of written talk. That way it’s easier to maintain eye contact, and we speak more naturally and sound more conversational when we use an outline instead of writing things out word for word.

Be human:

Don’t be afraid to laugh at yourself. Everyone makes mistakes. You just have to try your best and if, or rather when, the mistake happens -take it easy; it can even work for your benefit: audience likes you even more after you have shown this human side and made that mistake. For sure a mistake or two does not make you less likable.

Practise man practise:

Of course, there is no substitute for experience and lots of practice. Prepare your speech far enough in advance so that you have enough time to practice. Talk it to someone. Not just to yourself, but to a friend, spouse, and a colleague.

Apply these skills. At least try them, and you will see that you can beat that fear of speaking, public presentation anxiety and possibly any social anxiety. And you will panic no more!