Credit Card Debt Relief – Can an Expert Negotiator Win You a 60% Reduction?

In the current recession debts are growing by leaps and bounds. Instead of filing for bankruptcy one should first attempt the other debt relief options like debt settlement program, which has become the most popular. Even if you have multiple creditors pressuring you to make payments or if you have medical expenses, high limit credit cards or business loans or if your debts are due to taxes you should first consider going for debt settlement programs and if you hire a professional negotiator, the chances increases for you of having a better reduction.

A professional negotiator can reduce your debts to up to 60% making it easier for you to pay off your debts faster. The reason behind this is that when an individual negotiates with the creditors himself, they, considering individual naïve, do not listen to him. They use their terminologies which an unprofessional person do not understands thus creditors defeat him making him pay to them by any means. In contrast with that, a debt negotiator or a debt settlement firm knows very well how to arbitrate with the creditors. They are professional people who are well educated or trained to perform this service. Creditors are likely to hear them because it becomes very difficult to defeat them. Moreover many debt negotiators have established relations with creditors so that they can easily convince the creditors to reduce the debts.

Professional debt negotiator sketches a realistic payment plan making it affordable for you to pay. In addition to that all the calls, letters and discussion are handled by the debt negotiator. He also help in freezing the payments made to the creditors by the borrower and starts it again after settling the deal. The best negotiators do no impose personal bias in conversations. They allow documentation to carry the load and speak for itself. Creditors generally agree to negotiators because they know that if they do not agree then they would also face the consequences of bankruptcy, so creditors evaluate the documentations prepared by negotiators carefully, and determine the maximum recovery available.

Now days, it is quite difficult to distinguish between a real debt settlement company and a counterfeit. There are many fraud companies in the market from which the consumers need to stay away. So before you join any settlement firm, do a thorough research. It is important that you do not fall into a trap and keep spending instead of meeting the desired output.

Make Your House Presentable With Cost-Effective Home Staging

The main objective behind the home staging process is to actually make your house presentable to the buyers, so that it eventually gets sold as quickly as possible. Many people think that staging a house would cost them an arm and a leg, and thus prefer to keep away from it. However, the fact of the matter is that even by keeping your expenses down, you can impressively beautify your home, as home staging does not require major reconstruction. Listed below are some of the ways in which you can successfully stage your house without spending a fortune.

Generally, a house is divided into different parts namely the living room, bedrooms, kitchen and bathroom. Now let us see how each of these parts can be managed up so that the buyers fall in love with your house at the very first sight.

* Living room – To make sure that the buyers see themselves settle in your house with their family, remove the family portraits or similar items, which can give the living room a personal touch. Besides, also remove the items, which you think are making the room appear crowded. It is also a great idea to repaint the room using neutral colors. It would give new and fresh look to your house. Give your furniture a slightly different arrangement. If you have old furniture, then you can make use of new slip-covers. However, it is still does not look presentable, then you can consider renting some new furniture pieces.

* Bedrooms – Again you can repaint the rooms using soft neutral colors for a brighter look. To make the rooms look more spacious and open, limit the furniture. Too many chairs, couches and dressers would make them look crammed. Besides, to make your closets look bigger, you can store most of your clothes somewhere else. Also, personal articles should be removed as the buyers then may not be able to see it as their own new home. It is also a great idea to purchase new bed sheets, pillows and comforters to create a clean and bright look.

* Kitchen – Well, this part of the house is expected to be the messiest of all. Therefore, cleaning it calls for more attention. Especially, if the cabinets and counter-tops have turned slightly unattractive with age, then you would be required to perform a thorough cleaning. Besides, it is also advisable to repaint your kitchen using colors, which can make it look more spacious. Besides, get the defective fixtures and leaky faucets replaced.

* Bathroom – Put as much effort and time in cleaning the bathroom, as you did while cleaning the kitchen. If you can afford, then get old bathroom fittings replaced with the new ones. Also, purchase new towels and place them on towel racks. To enhance your bathroom’s appearance, you can even put an attractive vase of fresh flowers at a suitable place.

Completing the home staging process is a walk in the park for those who have some artistic or creative flair. Even if you are not one of those, the process can still be quite easy if you take into account all the suggestions stated above.

The Presenter’s Guide to Web-casting

Useful hints and tips about preparing to present a web-cast presentation.

It has become more and more common for conference presentations to be web-cast. This increase in popularity is due to a number of factors. For example:

o The demands on people’s time, or the reality of financial constraints, can result in many people being unable to attend conferences, especially if there’s a need to travel any distance.

o Most organisations are fully aware of the environmental issues involved when their staff have to travel distances, especially by car.

o Social factors, such as young families or caring considerations, can often influence people’s decision to attend a conference or seminar.

With these in mind, web-casting is a growing option for those who can’t attend an event but who are interested in the topics being covered. However, web-casting your presentation can be quite different from presenting to your live conference audience.

So, if your conference presentation is likely to be web-cast (and the likelihood is increasing) it might be helpful to understand what factors you should consider.

Most of the hints and tips contained in this bulletin are really just common sense and, dare I say it, plain good manners.

Consider the Remote Viewer as Part of the Live Audience

It’s very easy when you are in full flow to forget that you have people joining in via your web-cast. So, when you’re developing your presentation cues and reminders, make a note about acknowledging your remote viewers, both at the beginning of your presentation and frequently during it. It is equally important to build a rapport with your external audience as it is with the live audience in the auditorium.

A Different Perspective

When your presentation is being viewed by a remote viewer their perspective is different from that of a live audience.

On the following page is a typical layout of what a viewer would see during a live or archived web-cast.

You’ll notice from this graphic that the screen is divided up into different sections and that the video of the presenter appears at the top left of the screen.

To the presenter’s left is the area showing the presenter’s PowerPoint slides. It is therefore important for continuity and clarity that you always have your PowerPoint screen to your left when delivering your presentation to your live audience. This allows the remote viewer to follow your eyes or hands when you refer directly to the PowerPoint information. There’s nothing more distracting than a presenter referring to something to their right when you are seeing it positioned to their left on the web-cast screen.

A word about PowerPoint slides.

We’ve all suffered “death by PowerPoint” at some time or another. Why? Because too many PowerPoint users forget that their audience can read and they make the classic error of displaying long pieces of text on all but a few of their slides. Don’t do it.

The other common error in presentation is to read out what is up on the screen for all to see. Don’t do this either.

If you do decide to make these types of errors, we can just about guarantee that your audiences (live and web-cast) will lose interest. And that means your presentation will lose impact and the messages you’ve prepared may be lost.

Wherever possible, try to use graphics instead of text – but avoid the mistake of using Clip Art – if only because everyone else has already used it over the past 20 years and audiences have already seen all the clip art they can be expected to cope with in a life time. It’s also very unoriginal.

Probably the best book on creating PowerPoint presentations is Nick Oulton’s Killer Presentations. If you follow his basic rules you’ll be able to create truly memorable presentations to engage your audience and significantly enhance your presentation.

Incidentally, from a technical point of view, it’s always best to use a font size that’s no smaller than 12 points (bigger if you can) and try not to make the slide too busy.

Preparation

If your conference organizer asks you for your PowerPoint slides 48 hours before the event they are doing this for a very good reason. It’s because they need to get your presentation over to the web-cast company so they can upload it to their server and, if necessary, make any changes to the format if it’s not compatible with the web-cast.

If the organizers can’t access your slides until the morning of the conference, or you decide to make last minute changes, you create huge problems for the web-caster, the possibility of additional charges to the organizers and the potential for disaster when the cameras roll and 5000 people tune in to see your performance.

Again, it’s simply good manners, not to mention professionalism, to have everything prepared prior to the actual event.

Another little technical point is a microphone. If your conference organizer can provide a tie-clip microphone you’ll be in a much stronger position, since your audience will hear you clearly, especially those who are viewing via web-cast. And remember, unless the lectern has two microphones, one on either side, you run the risk of losing volume when you turn to address the screen.

Finally, a word about presentation style. Some people love to wander all over the stage. Because of lighting conditions and light-spill from the screen, this can cause headaches for the web-cast camera operator and, during your presentation, you may suddenly disappear into silhouette. If you must go for a walk, do it an hour or so before going on stage.

Questions from the Audience

If you are taking questions from the audience, it’s always helpful if you can either repeat them or rephrase them for the remote audience, especially if the organizer did not provide remote microphones for audience questions. Also make sure that you look over to the web-cast moderator who’ll indicate if there are any questions from the remote audience. The moderator will tell you who is asking the question and what the question is. When you reply, it’s nice to repeat the questioner’s name in your response.

If you stick to these simple suggestions it will help your organizer deliver a more effective and engaging conference to their remote viewers.