efulngcua.info

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.

But seriously, I was talking to an ex World Rally Championship (WRC) mechanic or 2 the other week and they were saying how expensive rally is. The top names in rally – i.e. the WRC – and Wales rally NEVER make any money at it! If it’s a big team like Ford, Subaru or Citroen etc. then they will lose money every time without question, because it’s virtually impossible to make money at it.

For example the car giants company Subaru (who pulled out of the WRC recently), it’s kind of a “loss leader” because they pay all the drivers, mechanics and technicians big, big money sometimes, but Subaru loses money every rally. However the point is that they can get really good advertising and research for their road going cars like the Impreza WRX to sell in masses (which they actually have done) and probably make millions that way selling the road going cars (some of which group N level rallying) to the masses preferably. It’s also a fun way to get “tax relief”!

So then, even a basic new Mitsubishi Evo would for example cost £25,000, but that’s just the start because to rally spec it up it would cost at least £15,000! It would be the same for a car that cost £7,000 brand new as well! Shock absorbers could be £1,000 x 4 quite often, engine rebuilds costing several thousand pounds every 1,000 KM’s and a set of a £1,000 brakes 2 x a rally as well! The costs are out of reach for many so a rally driving present truly represents big value for money and 1 of the only ways to experience the shear thrills of driving the way it feels should be that the car was built to do!

So I got my point across that rally is expensive / time consuming to maintain the cars, as well as a big chance of severely damaging them. The costs just to have one go in the forest / off road would be 10′s of thousands of pounds! Although you could dome a few more rallies for a few thousand pounds once you actually had the car.

But my point is that from around £100 up to £300 pounds plus for a full days rallying like a Wales rally spec Subaru Impreza does represent serious value for money.

You don’t have to worry about anything at all. No need to worry about insurance, rally prepping the car, checking it over for repairs or transporting it to the rally track. Now all you, your friends or family have to do is to turn up and be instructed the steps to take before getting in the car and when driving round the rally course. All you have to worry about is doing what the instructor tells you and trying to get a quick time for the course.

For more tips and how to choose that perfect driving present please click on this link: rally driving present thanks very much.

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.