Debt Negotiation Services: a New Way of Dealing With Your Debts

Many people in the United States of America have found themselves in debt problems and only few can say they have handled the situation successfully. Many of these people have lost control of their monthly bills and credit card debts. And it is at that moment when the debt negotiation services are needed. Unfortunately, there is a lot of misinformation on the Internet, radio and several other publications regarding debt negotiation services.

Alexander Sands is a current client of My Debt Remedy, and he got into our Debt Negotiation Services program looking for debt relief. Thanks to our team of professional counselors and experts on debt negotiation services, Alexander managed to stabilize his financial life and set up a plan to arrange repaying his debts off.

Alexander Sands:

What are Debt negotiation Services?

Amanda Williams:

Debt Negotiation Services has become a very popular solution to financial hardship that many people go through. Negotiation companies exist to help people on debt matters and assist them to become debt free. What these companies do is negotiate with the debtor’s creditors and get a reduction on the pay-off balance they owe. Sometimes creditors agree to accept 50% or less of what is owed. Balance is “zeroed out” after the creditor has received the checks. These companies, as part of their debt negotiation program, offer different kinds of services such as credit repair, but there is an additional fee for this service.

Alexander Sands:

How do Debt Negotiation Companies provide this service?

Amanda Williams:

These companies have an established process to follow in order to help their clients become debt free as fast as possible. Here are some steps the debt negotiation services process follows:

- First, the Debt Negotiation Services firm will talk directly to their clients’ creditors about lowering the monthly payments to help lighten the load.

- Once deals with the creditors have taken place, Debt Negotiation Services pass along to their client the new terms the creditors have agreed upon.

- The debtor will make a single payment to the Debt Negotiation Services firm, and they, in turn, will pay the creditors.

It is important to know that after the Debt Negotiation Services makes a deal with the creditors, they become responsible for any communication between the creditors and the debtor, and all the information the creditors require from the debtors will always go through the debt negotiation services first. It is a way for them to keep track of the debt negotiation process.

Alexander Sands:

Applying for debt negotiation services will lower my credit score?

Amanda Williams:

Yes it will. If you have paid your bills on time, and you do not have any delinquencies on your credit record, this service will likely lower your credit score. Applying for debt consolidation services will surely have a negative impact on your record, but when you apply for this kind of services it means that your accounts are already delinquent. Otherwise creditors would not accept any type of negotiation and would demand full payment be made.

After you complete the Debt Negotiation Services program, your credit score will level; that is if you continue to be organized, and pay your bills on time.

Alexander Sands:

Do you think Debt Negotiation Services can help my current financial situation?

Amanda Williams:

Debt negotiation Services has a main goal, and that is to help those who no longer have the financial capacity to make a monthly payment on a regular basis. It also intends to help those people who are considering filing for bankruptcy as an immediate solution for their many financial problems.

Debt Negotiation Services gives back the debtor control of his/her life. It helps people regain stability and also gives them the tools to avoid bankruptcy and free him/herself from debt, once and for all.

We have different articles on interesting topics and current and former clients’ experiences with our programs. Take a look at the different situations on debt related topics that people can fall into and how to keep yourself a debt free person.

Presentation of Geographical Data Online Using an Interactive Flash Map

A clickable interactive map enables website visitors to get related information about a particular geographical location visually.

Flash interactive maps are replacing conventional image maps due to the fact that they not only offer more information, but also are highly interactive with the user.

Traditional image maps often only use static images and HTML code, are very basic and offer simple point and click function only. With flash interactive maps, users can get instantly relevant information about any part of a map he desires to see, with mouseover tooltip boxes, clickable points, regions, and also zooming functions which enable users to zoom in and out of the map to pinpoint a specific location or get further data on it.

There are various applications for flash interactive maps on the web, such as showing maps of a country, city or particular location, displaying demographic data, census data, branch office interactive maps, street maps, pretty much anything that can be mapped out.

As Flash is getting more and more popular and supported by most browsers on different OS platforms, webmasters have started embracing this technology more often, particularly due to the highly interactive nature and its ease of use.

For webmasters who do not have Adobe Flash programming, there are also interactive map software and creation tools available, for generating and presenting data graphically using interactive maps, with extremely simple learning curve.

Before you start creating an interactive map, you should firstly decide what kind of maps you want to create.

Many map making software come with pre-designed map templates for major countries of the world, as well as states maps (e.g. the 50 states in the US), postcode maps and county maps. If the map you are going to create is very geographically specific (e.g. your local town, suburb, floor plan of a local hospital, or shopping mall), it is unlikely to find a pre-designed template. In such case you could import a standard image file (in jpg/png or gif format) of your custom map, and convert it into your very own customized interactive flash map.

As most websites attract visitors globally and might have geographical specific information for different parts of the world, flash maps are truly a helpful navigation and data presentation tool not to be missed or disregarded.

Having such a flash map on a website is modern and presents a professional image to the visitor. Imagine that a visitor from Europe is landing to your website and is interested in getting additional information about your location in the United States. He will not only be able to see the state you are in, but also the city, within the city he can pinpoint with accuracy your exact location, and if you have created maps of your actual office with hotspots around interesting places, he will have a truly unique online virtual experience that will ensure his return over and over again!

How To Engage A Presentation Audience – Use A Theme To Your Presentation

When we think about about a presentation we typically consider the presentation itself, its preparation, planning and rehearsal. But it’s also critical to consider how we engage our audience — how we actively encourage their listening, understanding and belief in us. Just standing on the podium and speaking won’t do the trick.

Fortunately there are some techniques that we can use. And a major technique is the presentation theme. There are 5 things to bear in mind, though, when we use a theme in our presentation.

  1. Make it memorable. Themes help our audience to remember our presentation. And when our audience only retains some 10% of our speech that’s important. Themes are remembered by an audience because they can be. They work in much the same way as logos, slogans or catch phrases. They are typically creative, clever and appropriate for the task.
  2. Keep it simple. Our theme should be both simple and consistent. The simplicity is critical for memory — we don’t want our audience struggling with complexity at this stage of the event. Consistency is all important. We should neither deviate from the theme during the presentation nor be tempted to make adjustments as we go along.
  3. Be practical. Our theme should evoke practicality and purpose. If it has these qualities it will be familiar to our audience and prove more meaningful. Practicality suggests utility and benefit — both are of interest to our audience. When our audience can sense practical benefits attributed to listening and engaging their engagement increases.
  4. Be thorough. There is no need to struggle for ideas when thinking of a theme for our presentation. There are many workable approaches to getting it right. We can talk to the conference organizers. We can establish whether the conference itself has a theme. Or we could identify if our particular day has a theme to it. In either case we should aim to use this theme — or tweak it slightly to our own purpose. Using something that has resonance elsewhere will be productive. As an alternative we can look at all the other presentations on the agenda and establish whether there is a theme that runs through all of them. If there is, then use it. We could also think about some of the pressing issues that our audience will recognize from their work or professional interests. Issues such as: competition, globalization, outsourcing, innovation or quality. Such issues might be both relevant and familiar. Therefore, they could prove useful in building a theme that is practical, consistent and simple.
  5. Consider the objective. As we finalize our theme we should recall the purpose or mission for our presentation. We are looking to achieve something with our audience. Change their ideas. Change their opinions. Or, change something that they do. Our theme should help us in this mission. Both our purpose and our theme should be aligned.

Our audience will only recall some 10% of our presentation. Our task as speakers is to increase that percentage or, at least, ensure the right 10% is retained. A practical and memorable theme will boost an audience’s memory retention and assist their engagement.