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If you are currently struggling with a large amount of debt, you likely feel overwhelmed by your financial burdens. Perhaps you are considering filing for bankruptcy because you don’t believe that you have any better options. Before making your decision, you may want to consider debt negotiation as an alternative to bankruptcy. In some cases, negotiating the amount of money you owe is a faster way to absolve your debt than declaring bankruptcy.

What is Debt Negotiation?

Negotiating debt involves an agreement between you and the creditor to lower the total amount of money you owe, thereby reducing your payments to the creditor. This allows you to pay back a portion of what you owed before so that the creditor receives some of their money, which creditors often see as a better alternative to not getting any of the money back at all.

When you decide to begin negotiating your debt, consider hiring a professional debt negotiation firm. Trying to absolve your debt on your own can be time consuming to the point of interfering with work and other essential activities you have to do. A professional will take over your case and can fight for your interests in an efficient and timely manner.

Steps to Negotiating Your Debt

A typical debt negotiation follows the steps listed below:

• Sign a power of attorney. If you decide to hire a professional, first he or she will have you sign a power of attorney. This allows the negotiator to make financial agreements and negotiate on your behalf.
• Start saving for your settlement. This money will be used to make an offer to the creditor and shows that you are willing to work with them to get out of debt.
• Pay your negotiated debt. Once an amount is agreed upon, you pay the creditor your settlement.
• Begin saving for the next settlement. You can continue to save and negotiate repeatedly until your debts are paid off at the new negotiated amounts.

Negotiating your debt can save you hundreds or thousands of dollars in the long term and can get you out of debt more quickly. If you owe creditors a large sum of money, debt negotiation may be your best option.

For More Information

To learn more about negotiating your debt, please see the website of experienced Milwaukee debt negotiation lawyers at the DeLadurantey Law Office, LLC here.

First dates are exciting. The mystery of how your date is going to be like is sending butterflies into your stomach. At the same time, you are probably also wondering, ‘how should I present myself on the first date?’ Well the fact that you’re going out with this guy shows that you are attracted to him – so I guess you probably won’t want to mess this up right? You will do just fine by following these tips I’m about to share with you.

Having dated several times before I got engaged, I’ve been to quite a number of ‘first dates’. Needless to say, there were good and bad experiences and along the way, I took note of what kind of behaviour is attractive to a man and what is not. The key is to So let me share them with you.

Attractive Behaviour of Women on A First Date:

1. Participate in the conversation. What a man likes is to be heard. He will feel that what he is saying isn’t boring you and it gives him a HUGE confidence boost. So, respond to his comments and or questions about the topic the both of you are on and if you are not familiar with the topic, ask him about it! It will give him more things to talk about and you won’t have to be afraid of the situation where there are awkward silences.
2. Be enthusiastic but not overly enthusiastic. Being enthusiastic during first dates is always a plus point. For example, if the man suggests catching a movie after the meal, go ahead with it. And since he’s decided the program, you have the choice of movie. However, if you’re really tired after a long day provide him with an alternative and let him know that you’re tired – being honest about what you want and feel is essential for a healthy relationship.
3. Dress up according to the occasion. This is one of the most crucial tip on how you should present yourself on the first date. You see, men are visual beings. The first thing he will take note when you arrive at the date is your physical appearance. It will indicate to him how much you want to have this date with him and if he sense that you aren’t, there is a very high chance that this date may not work out. So, dress according to the occasion and if you aren’t sure what to wear, ask your girlfriends to help you.

Most of us would agree that having humor in our lives increases rapport, strengthens our relationships and overcomes communication barriers. People who work in a positive, often playful environment are more likely to stay. Productivity and creativity increase while stress is reduced. We just feel better after a good laugh. Think funny!

1. Open with a humorous story.. I remember the time the lights when out and I fell off the stage. I wasn’t hurt and quickly said, Now I will take questions from the floor. I’m at my best when taking questions in the dark. Before you can be funny, you must learn to see funny. Find the humor around you, in your life every day. The lady who takes an aisle seat rather tan sit next to the window… doesn’t want to mess up her hair. Practice telling the story out loud, and cut out any parts that aren’t crucial. As Shakespeare so wisely said, “Brevity is the soul of wit.”

2. Use props (candy bars, hats, funny faces, etc.) Props can be used as a metaphor or an analogy for a point you are introducing. They get your creative juices working while providing an anchor for your audience to focus on.

3. Cartoons use your own or others a picture saves a 1000 words. Put cartoons on an overhead or use as part of a PowerPoint presentation.

4. Humor – should be relevant to your topic. Tom Peters said, I deeply believe in humor; not in jokes. Humor is spectacular. Humor relieves anxiety and tension, serves as outlet for hostility and anger, and provides a healthy escape from reality. It lightens heaviness related to critical illness, trauma, disfigurement, and death. It comes as no surprise that many people are utilizing humor to deal with the trying times. But is the humor timely? Is it appropriate?

Do not use ethnic, racist, political or religious jokes. Include a joke that helps bring back the attention of the audience or as a way to lighten up your remarks. We all can use a good laugh from a well timed, funny joke.

5. Self effacing humor- it is better to admit you made a mistake than to admit that you are one. One of my lines as a mother of five is: For someone who isn’t Catholic, I sure did my share for the pope! Phyllis Diller is in the Guinness Book of World Records as having the most laughs per minute. A laugh is measured by:

5 points if everyone is laughing and applauding
-4 points if everyone is laughing and there’s a smattering of applause
-3 points if everyone laughs but there’s no applause
-2 points if some people are laughing
-1 point for a titter or giggle

6. Mime- Marcel Marceau makes us laugh and moves us. Charlie Chaplin was an all time great without using the spoken word.

7. Move Your Body -Try lifting your nose, look off to the side, jut out the bottom of your jaw, and notice how you become arrogant or aloof, Take a wide stance, shift your hips forward, and now you’ve just gained 50 pounds. The use of body movements will help to visually enhance your remarks.

8. Repetitive oral recitation- (repeat after me, Remember, if you can see funny, you can be funny. Repeat a particular sentence throughout your presentation to encourage audience retention.

9. Use taped music for a stretch break. Get the audience to sing a funny song. Pass out words to a song. Lighten up your attendees have some fun and your audience retention will increase. Don’t be afraid to be theatrical or silly. It’s why we pay actors the big bucks; and your audiences won’t forget you. Be outrageous. It’s the only place that isn’t crowded.

10. Group exercise a fun way to conclude your presentation is to use a group exercise. Use the football huddle to get the group to repeat a cheer or an affirmation to take some action.