Golden Tips to Negotiate Debt Settlement – Read & Learn Right Now!

Many consumers who fall into deep financial destitution are not prepared to make some important sacrifices to get out of debt. They require debt settlement to get rid of tension full life. If you as a consumer come to the conclusion that trying to pay your payments off month by month will take to long and you need a faster solution, then that is when you need tips to negotiate debt settlement for your debts.

When negotiating, be cool, as your creditors can sense urgency. Try to find out if the statute of limitations has passed on your debt. It means that lenders or collection agencies have only a limited amount of time to collect a debt. If that time passes, then they can no longer make attempts to secure payment and you are no longer under any obligation to pay it.

The most important thing in tips to negotiate debt settlement is that you should negotiate about your total amount of money which you have to pay. Try to insist that you will not pay any late fees and penalties on the debt you owe. It is helpful in extracting the original debt amount.

The next tip in tips to negotiate debt settlement is negotiation about original debt. Negotiate in a way that it can reduce to as much as possible.

Going further in negotiation it is one of the important tips to negotiate debt settlement that you negotiate about your credit rating. Make it very clear that if they won’t negotiate with you on this part of the settlement, you will use the money you have to negotiate with another creditor, who will place a good mark on your credit report. Sometimes there is a lender who can refuse but mostly they try to reach on some agreement.

Remember always be cool and confident when negotiating, as your creditors can sense urgency. It will help you to get the lender to change your negative credit mark to a positive on your report.

Advice For VoIP Businesses – Watch Over Your Presented Image

Image can make or break a business. Just imagine Tiger Woods then and now. He’s a big brand, one of the best (if not THE BEST) in golf. But back then, he was marketed as this never-do-wrong nice guy, one you’d be happy to root for even when you don’t really follow the sport. When reality stepped forward, it was a mess. His PR staff members are still picking up the pieces. This brings us to how important the presented image is for VoIP businesses. You’d want your presented image to be as close to the real one, as much as possible, especially in the still volatile VoIP industry.

VoIP businesses walk a tightrope when it comes to image. Telephone companies have traditionally been regarded as detached and impersonal, while many VoIP businesses come off as nothing different. “Just like my old phone company!” some would say. Now, coming off as such may be alright but, people need convincing when it comes to switching to digital, there’s room for some personal touch – but not too much. The danger with too much personal approach when it comes to the image of VoIP businesses is that this can veer towards appealing to a person’s emotions. Some marketers have packaged their branded reseller VoIP company as the “well-meaning” and “nicer” company. This isn’t a good idea.

Why the Well-Meaning Branded Reseller VoIP Schtick Will Not Work For Long

Everyone has a soft spot for a “nice” guy – or, in this case, a “nice” branded reseller VoIP company. The problem is that this can only last for so long. Soon enough, you and your customers will need to deal with what’s really important, that is; your service quality; your real image; and the other cornerstones for VoIP businesses. A promise of better service is a good thing as long as you can live up to that promise. Even so, you need to sell this promise with the right perspective.

If you promise better service and only do so using appeals to the emotion, the consumer’s decision is tacked on that emotion. When things change – perhaps he/she talks to a representative and gets irritated – emotions change. The better approach is to promise better service while convincing the customer that your branded reseller VoIP is the smart and practical choice. Now, once you’ve done that, all you need to do is follow through on that promise. You may not play nice all the time with this customer but you are likely to keep their business.

Other Cornerstones for VoIP Businesses

Of course, your presented image isn’t the only thing that matters when it comes to building VoIP businesses.

Is It A Speech or A Presentation? – Part 3

In Part 1, I talked about the differences between those two formats whereas in Part 2, I discussed speechwriting and how the format is identical for both. While there are many similarities in the delivery of both the speech and the presentation, there is one important difference:

oSpeeches are read; presentations are spoken; and, neither should be memorized.

Those who are good at reading a speech don’t sound like they are reading a speech. They sound like they are talking to their audience which is only possible if the speaker has practiced the material out loud many times. Reading it over in your mind is not practice because you will discover, in some cases, that while the flow of words to the eye may work, those same words to the mouth do not.

If you know your material, you will then be able to acknowledge your audience as you speak, looking up and making eye contact with your listeners throughout your delivery. Knowing your material also allows for more expression in your delivery because it will allow you to talk to your audience and not at them. If your eyes are glued to your script, there is little likelihood of a dynamic delivery.

oAlways practice your material out loud, be it for the speech or the presentation. It is the only way to truly know your material.

When it comes to the presentation, learn to ‘talk it through.’ A presentation should be very conversational: it should not be rote nor sing-song. Remember those major points from Part 2? A good presenter speaks ‘around’ each of those points and subpoints. In that sense, I have never written out a presentation word for word. My presentations are always in outline form except for my openings and my closings, both of which I will memorize. [I know, I told you earlier that memorization is a no-no. And it is, except for your openings and closings! An occasional mistake in a presentation is not a problem; however, you don't want to make a mistake in your opening statement nor in your closing. Your sense of well-being - your confidence - will be greater if you can get through them both flawlessly.]

Because my presentations are in outline form, I list a few words on 5 x 8 note cards and speak ‘around’ those subpoints or sub-subpoints. For example, if I’m talking about voice improvement, my one note card will have on it two words: Jack Burghardt. Former Canadian television anchorman and Member of Parliament, the late Jack Burghardt was blessed with a wonderfully resonant speaking voice. When I later met his son, I immediately recognized the young man as a Burghardt because he sounded so much like his father which leads me then to talk about why we sound the way we do. So those two words give me a good 4-5 minutes of material.

From presentation to presentation, no matter how many times I talk about Jack, it never sounds exactly the same and the words are never the same because I’m talking ‘around’ Jack and not reading about Jack; however, as with the speech, I’m making eye contact with my audience and again I’m talking to them, not at them.

o The value of the speech lies in its exactness of its words; the value of the presentation lies in its inexactness of its words.

Whether you’re giving a speech or a presentation, talk to your audience just as if you were having a conversation in your living room. The best in the business do this and much of their success is built on a powerful, dynamic delivery in which they acknowledge their audience, they speak with expression, and they know their material.