Negotiate Credit Card Debt – When it Makes Sense to Use a Professional

People negotiate with credit card issuers with great enthusiasm and confidence without having any reason to be enthusiastic and confident. This combination of enthusiasm without knowledge complicates matters even further. There are many professional negotiators who find that they have to repair the damage done by the individual before commencing actual negotiations with the lender for debt settlement.

The first and most important factor that you should consider is NOT your negotiation skills. Whether you can negotiate or not is not the question. Even the best doctor will never operate on his own body. In the same way, even the best negotiator may find his skills and experience useless when his personal finance is at stake.

The most important factor is your financial condition. Can you afford to fail? If not, then it makes sense to utilize the services of a professional. Seeking debt consolidation loan and requesting a ten percent discount on the amount owed can be done on your own. However, approaching your credit card issuer for 70 % waiver is a different matter altogether. One must have knowledge about how credit card issuers work. You should know the right points to use and the right arguments to make. You should know how to subtly hint about the prospect of bankruptcy without explicitly using it as a tactic to scare your credit card issuer.

A professional negotiator will have detailed knowledge of
- the current state of the economy
- the policies of the government and its impact
- the position of the card issuers, and
- the income that card issuers have earned from borrowers

Choose a professional if you anticipate that all these arguments will have to be put forth in a convincing manner. To boldly claim that you can negotiate all these issues with your lender is one thing. However to actually do so and successfully get a high waiver is a completely different thing.

Further, one must also consider the time and effort required to complete the negotiations. Most of us cannot spare time, effort or money required to negotiate personally. Consider all these factors before taking your decision.

21st Birthday Presents on a Budget

Anyone’s twenty first birth day is a big deal. This particular event is also known as the “key to the door” or the age when one becomes a full pledged adult. This particular event is considered a milestone and this is the day when you will be able to drive large passenger vehicles, HGVs, legally adopt a child, and if you are particularly ambitious, be a Member of the Parliament, local councillor or maybe, a mayor.

Needless to say, reaching the 21 threshold simply represents absolute freedom and endless opportunities, therefore, 21st birthdays should always be celebrated appropriately. Since it is a special occasion, it also warrants that birthday presents be special as well. Now, this can be something very tricky. For a gift to be considered special and valued, it should be something that is appropriate to the recipient. This may sound really hard especially if you are working on a tight budget.

Don’t fret. I have a couple of suggestions that will help you choose the perfect 21st birthday present for your budget. Remember, your budget should not hinder you from giving out quality gifts.

1. Photo frames. This may sound as very ordinary gifts but they can be perfects gifts too, that can be surely treasured for a lifetime. For instance, you can opt for personalized picture frames and have the words, “happy 21st birthday” inscribed on it. Then since it’s your friends 21st birthday, you will be free to choose any picture that you want displayed. Try to choose pictures that triggers a very special memory to the birthday person. This will surely create a present that will be cherished and remembered for years to come. The best thing about it is that your gift will always be displayed for everyone to see.

2. Personalizes stuffs. Personalized things are always meaningful gifts. Whether you want to commemorate birthdays, weddings or any special occasions, these are always the best ways to go. Nowadays, you can have anything engraved from stainless steel flasks, cufflinks, money boxes, and even London Underground maps. If your friend loves football, why not buy a new football and have the rest of your friends sign it with permanent markers? Everyone can state a message and have it wrapped in a clear plastic and given out as a gift.

3. A book. There is a book entitled The Little Book of Turning 21 that contains words of wisdom from prominent people like Albert Einstein and George Harrison. This little book is jam packed with tips and quotes that covers almost every possible situation that any 21-year olds can possibly experience. This book is available for a very low price of less than five dollars.

What you should remember about giving gifts for 21st birthdays is that your gift should be something quirky and memorable. Try to spell out a little of your personality as well while taking into consideration your friend’s passion, likes and dislikes.

After Cancer Treatment and Being in the Present Moment Right Now

The day I got the breast cancer diagnosis call on the telephone, it seemed that time stood still. My mind wasn’t wandering; it was specifically locked on to the subject of cancer, treatment and potential bilateral mastectomy. Ugh.

More than ten years later, I am happy to say that there have been many other moments when time seemingly stood still and many of them delicious, positive and uplifting. That’s what I want you to read now; the reminder about the awesome one at a time moments you can experience when you are willing to pay attention to one moment at a time. (For me, this very morning, it was a tiny bird gently lighting upon the branch touching my bedroom window and providing me a gentile wake up tweet.)

The gift of medical treatment is that it provides many moments of opportunities to be in the now. Initially it’s waiting rooms, doctor’s offices, and hospital sitting areas. After treatment, the spectrum is wider and filled with beautiful ‘back to normal’ moments. That’s where we’re going with this.

One of the best post-treatment, creative habits I suggest is pausing or slowing down the rhythm of life long enough to experience, really experience one moment at a time. There’s healing in experiencing the wonder that is all around. I even enjoy my walks more now that I’ve made it a habit to stop each time I cross paths with a dog. Making contact with those brown eyes and the experience of that wagging tail are uplifting components of my day and assets to being in the moment.

One of the best bonuses of this behavior is it gets me out of my ever productive thinking space into the realness of right now. Enough of that thinking, wandering mind and into the moment. I recommend present moment awareness highly. There is so much to be appreciated when we’re just in the moment.

A caution here about dwelling on cancer or the negative ramifications of ‘if only’ thinking. Using thoughts to scare myself is no longer so common as it used to be (although now and then I catch myself in this old, bad habit). Now that I know I can shift the focus to what’s in front of me right now, my life is more peace-filled and that’s what I want for you. Post treatment life can be filled with real delights (as opposed to the imagined fears/thoughts/feelings when thinking takes me or you out of the moment).

The best ticket into the present moment is your conscious breath. It’s easy to do. Just go where you won’t hear the telephone and take 3 deep, conscious breaths. After that, observe what is right there in front of you and appreciate what is right. It’s that simple! (If you notice something that needs cleaning, or tidying or changing, postpone that til later; this is for focus on what’s right.) And, the truth is, the after treatment possibilities are endless one moment at a time.