The Difference Between Debt Consolidation and Debt Negotiation

Debt negotiation is a process of negotiating with your creditors to bring down your total amount of debt. A good debt negotiation company can help bring down your total debts by as much as 50 to 70 percent. A word of caution, though. Debt negotiation may sound great, but it can adversely affect your credit report.

The Pros And Cons Of Debt Negotiation

A debt negotiation company discusses your financial status with your creditors, and offers to pay off all your debts in one go. The catch is that they offer to pay, say, $4,000 cash now against the total debts of, say, $12,000. The very fact that you have appointed a debt negotiator on your behalf is a sign that you are a bad risk, and most creditors will settle for cash now, as against the balance over the next 10 years or so.

The flip side to debt negotiation is that it affects your credit rating in a negative way. The commission to your debt negotiator is usually between 14 and 25 percent of the total settlement.

What Debt Consolidation Experts Do

Debt consolidation experts negotiate on your behalf to arrange to reduce the rates of interest, and to reduce or eliminate the late fees and other charges and penalties. They help consolidate all your outstanding debts into a single debt, and arrange a monthly payment schedule consisting of reduced amount, by as much as 20 to 40 percent.

They usually charge a monthly service fee of around 10 percent, and your payments are referred to credit bureaus. They advise you to close all your credit card accounts, and may allow you to keep one active for emergency uses.

It is for you to decide which course of action you wish to take.

All Presentations Should Tell Good Stories

When you think about it, the end goal of most presentations is to convince, whether that means convincing your audience to agree with your point of view, or convincing them to take the action you want them to take. Professional presenters with vast amounts of public speaking experience are usually great story tellers. In order for your presentations to come across convincingly to your audiences, they require the focus, logic and sequence of any engaging story.

You might or might not be aware of falling victim to some or all of the common mistakes that initially trip up novice presenters. Most of these learners’ mistakes relate directly back to the ethos of story telling in presentations – or lack of it. When preparing for forthcoming presentations, or looking back retrospectively at old ones, you might give yourself a confidence boost by answering a few hypothetical questions honestly.

Are you prepared to offer appropriate answers to the broad range of questions that might be posed by your audience?

If not, might your inability to appropriately answer audience questions be due to a lack of flow in your presentation?

Are your slides truly sequentially ordered?

Are you sometimes guilty of randomly leaping from one aspect of your subject matter to another without any logical connection between the two?

Do you put yourself in danger of leaving gaping holes in your presentations by trying to sound too clever, for example, by presenting answers and conclusions that lack supporting evidence?

Do you try too hard to amplify your knowledge of your subject matter by including information that is indirectly related but not directly relevant to your presentations?

Searching questions indeed and you might be wondering how they relate to the harnessing of your story telling skills to enhance your public speaking effectiveness. They do, as they are all about focus, logic and sequence:-

Focus – keep to the point. Identify information that seem interesting and smart, but realistically bears little relevance to the core messages you aim to send. Once you have identified these curve balls, eradicate them, even if you desperately want to include them because you think they sound good.

Logic – tempting as it is to provide answers and conclusions first, followed by rhyme and reason afterwards, it is illogical. Notice how the stories contained in your presentations flow so much more smoothly when you simply reverse the order of certain slides. Questions first, arguments and evidence in the middle, answers and solutions last but not least.

Sequence – stories lacking in sequential orderliness are confusing, often to the degree that they might initially capture attention, but ultimately fail to retain it. It is impossible for you to over check that your presentations are sequentially correct. When going to the time and trouble that preparation for successful presentations demands, it is a crying shame if your subject matter is right, but the sequence in which you present it is erratic and disjointed.

Your ability to recognise the mistakes you are prone to making, coupled with your willingness to improve your public speaking performances, equates to half your battle being won. So sit tight with a copy of your presentation in front of you and see how you can make instantaneously dramatic differences.

Create Sound and Video Presentation For Your Website

The concept of web video production offers the business community an exciting opportunity to expand their reach. The technological advances in the speeds of internet transmission now make it possible to take the concept of marketing to another level. The availability of high quality video provides an efficient tool for business to reach an expanding customer base. This article will briefly discuss web video production.

Web video production involves the coordination of the efforts of the various team members who will ultimately be responsible for the production of the final video. While it is commonly believed that the production of web videos is a quick and in expensive process this is not always the case. In this regards it is important to have clear idea of the content of the video before the shooting actually begins.

It is important for the video production team to be on the same page concerning the objective of the video. The concept or key idea to be expressed in the video must be communicated to the team members. Once the team shares a shared vision for the content and purpose for the video the production can proceed on an orderly basis.

It should be pointed out that coming up with a concept that will be accepted by each team member can be a difficult task.

It this regards, it is very important to have some input from the marketing department since these are the people in the organization that have their ears to the ground. It is usually helpful to have one person in charge of coming up with the concepts so that the buck can stop with this person. This is also an excellent way to avoid senseless arguments and debates. This will enhance your web video production.

The rule of thumb for selecting concepts for the video is to keep it short and simple. In other words try to steer clear of concepts that have too many twist and turns. Your objective is to present a very well thought out concise message to your target market. The best way to accomplish this is by keeping it short and simple.

You should also avoid the temptation of making the video too long. In this regards you should always remember that people have a great many things that are competing for their attention. If your video is too long there is a good chance that your target market will not even watch the video.