How to Achieve Your Future by Focusing on the Present

We all have goals & dreams that we are moving towards & striving to achieve. This is a good thing, or can it be bad also? How many of us never reach our dreams & goals & yet we have tried so hard & really thought about nothing else? I believe the mistake most of us make is that we do not focus on our present situation near enough.

Let me explain. Most of us see our present situation as simply marking time as we move towards our future goals & dreams, like a stepping stone that we use simply as a means to reaching our final destination. I truly believe herein lies our problem! We do not take the time to genuinely appreciate where we are today & all the great things we already have in our lives. As the old saying says, we should be focused on the journey & not on the destination, or we will miss all the beautiful scenery along the way.

Let’s use our job as an example. Now most of us want a promotion of some description. We have plans to become the supervisor or manager or general manager in our companies. But alas, most of us will never reach this goal, but will watch others achieve our goal instead. We will make many excuses as to why this happened, & in the end we will feel comforted in knowing that it was unfair, we were robbed, the other guy was the boss’s favorite, & whatever else makes us feel better.

What we should be doing, is focusing on the job we are currently in now. Forget where we want to get to & just focus on the present. You see, what we can control is our performance in our current job. We can decide to be the best we can possibly be in our current job. Now this may mean further education to have the skills we currently do not have to do our job better. It may mean working harder to produce better results than our peers. It could simply be a change of attitude to stop complaining & become a more loyal & supportive employee. By doing our current job to the very best of our abilities, we in fact give ourselves the very best chance of promotion, even though we have not been focusing on the promotion.

We can use this same example for any aspect of our lives. We all want a bigger, better home. But we should be appreciating the one we already have & making it the best it can possibly be. This will make us happier now, & will increase the value in the future when the time is right to sell & move up.

So the best thing for all of us to do to achieve our dreams & goals is to just focus on what we have & where we are now. Do the best & be the best we possibly can in our current situations, & we will give ourselves the very best chance of reaching our goals & dreams in the future. We have heard all the old sayings & they are all true: ‘Rome wasn’t built in a day’, ‘patience is a virtue’, ‘every great journey begins with the first step’, & so on.

Have patience, have appreciation for what we already have, & take the time to help others be the very best they can. Do these things & we will all reach our goals & dreams, but more importantly, we will enjoy every day of the journey in getting there.

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.

Business Presentation Courses – Helping You Succeed As a Project Manager

You might wonder why you need to enroll for business presentation courses if you are well versed in the technicalities of your job as a project manager. As a project manager you should have the ability to motivate a group of people to complete a set of tasks, and making business presentations is a great part of this. Unfortunately most people are dumb struck at the prospect of addressing a group of people, and that to in a clear and concise manner. If this is your situation then you will find it very difficult to get people to understand what you expect of them. In addition, you will also find it hard to convince bosses and clients about the progress of the project as well as your expectations unless you can develop your presentation skills.

There are business presentation courses that will enhance your skills regarding how to effectively lead a project. You will learn how to structure your presentations in the correct manner so that they convey all the information that is necessary. There is a correct format to a presentation that includes all information in a structured manner. In addition, you should also learn how to make presentations in a really good manner. You should be able to grab the attention of your audience right at the beginning and retain it till the time you sit down. You will also know how to deal with all sorts of questions from the audience without worrying about making a bad impression about yourself.

You will also gain a lot of confidence in your public speaking abilities once you get the correct input from the best presentation courses. You will no longer be afraid of standing in front of a crowd no matter how senior the audience members are to you. This will help you immensely at your work because you will be able to make teams of very different people work together to achieve a common objective by having the right communication skills.

The other advantage of attending business presentation courses is that your increased confidence will help you grab a variety of business opportunities that come your way. Your personal life will also benefit from this since you will be able to communicate better with all the people in your life. Identify the best possible courses you could attend because they will help you get rid of your fear of making presentations.