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No matter how wretched your financial situation is, no matter how inescapable you feel your debts are and no matter how deep of a debt puddle you’re currently standing in, there is a financial solution as well as a means to get your feet dry and back on solid ground. There are plenty of answers, various sure-fire ways for you to get out of your current financial mess and become a financial success. And of the most common ameliorative financial options to choose from, here are two prime choices – Debt Consolidation and Debt Negotiation.

Both solutions are quite similar in that they heal deep debt wounds and bring individuals back to a stabilized financial position, but both tailor to two different types of indebted individuals. Debt Consolidation plans assist those in need with sufficient means. On the other hand, Debt Negotiation assists those in dire need, in situations where money is too tight to apportion.

First, let’s take a look at the debt consolidation option, and secondly the Debt Negotiation vein, each outlining specifics as to allow you more information to better decide which is best.

The Debt Consolidation Option

Debt Consolidation is accommodating specifically to standard indebted individuals, one’s who need actual consolidating to better organize themselves financially and stabilize a plan to finally pay off accrued due debt. Debt consolidation is primarily best suited for individuals who are financially able to, in the least, provide the minimum payments required through a debt consolidation motion.

In practice and structure, Debt Consolidation is a process where an action combining or “consolidating” one’s debts -whether they be personal loans, home equity loans, mortgage debt, car loans, credit card debt, or other financial liabilities- into a single loan occurs. Simply enough, the individual in debt is in essence, and through assistance of a debt consolidation company, accumulating all of his or her debt together to deal with it in one sum. This is done by taking out a single loan to pay off all spread out debts collectively, as one large whole.

The aforementioned process is usually done with intent to achieve a lower monthly payment, one that can be extended over time simply to pay off debt through one primary vein and in one go, gradually over time. And if carried out properly, debt consolidation can and most certainly will lower one’s annual interest rate and/or monthly payments, hence providing more available funds to save month to month.

The Debt Negotiation Option

Sometimes referred to as Debt Settlement, Debt Negotiation is often a financial option for indebted individuals who cannot handle going through a standard debt consolidation motion. Reason here is simply due to lack of funds; if said individuals cannot provide funds for the minimum monthly payments usually attached to a well-structured debt consolidation repayment plan then a debt negotiation program is the most realistic next step to take toward solving outstanding debt and credit problems.

What happens here, and to a hassled indebted individual’s benefit, payments to creditors are halted, put on ice. The selected debt negotiation company pulls payments from you monthly, safeguarding those funds in a specific account, either the company’s or your designated personal one. Through this period of monthly pulling the debt negotiation company is working for you, negotiating with involved creditors for lower payoff amounts, usually up to 50 % off your bulky debt total. And upon successful negotiation, a one time payment is provided to applicable creditors from your debt negotiation company.

You might think that this has a negative effect on your credit score and you’d be correct. Your credit score is lowered, yet, this lower score is only applicable for the length you’re in the negotiation program. And even after the program is complete, creditors are required to place a ‘paid in full’ note as to avoid putting a permanent negative mark on your credit score. Overall, credit furbishing is provided through the aforementioned or through a provided credit repair service to remove all negative traces.

Which To Choose?

To choice is up to you. One thing must be kept in mind; choices should be made based on your financial capacity and overall ability. Know which financial program is best for you. If you’re in a standard debt situation and need some organizing to pay off all your debt, seek debt consolidation to do so. Yet, if you’re in a thick financial mess and have minimal, almost non-existent funds to allocate through a normal consolidation program, request a debt negotiation option to fix you up.

Few people know the real origins of Valentine’s Day and it always amazes me how quickly celebrations of any kind become so very commercialised. Whose idea was Mother’s Day, Father’s Day and more recently Grandparent’s Day. Is it because we are so busy with our lives that we need a ‘special’ day to be reminded to think about and be grateful for our families and loved ones and all they do in our lives? What about a son’s day or a twin sisters day? We should be able to express our emotions and show how we feel about the people we care for any day of the year. That aside it is nice to have an excuse and in the case of Valentine’s Day can be a good way to let someone know how you feel who you may not have had the courage to approach otherwise.

So, one of the most traditional Valentine’s gifts are red roses. Have you ever noticed how some retailers double or even treble the price of red roses around Valentine’s Day? Extortion is the word that comes to mind – although they are under great pressure to deliver vast quantities in a short period of time. Why not consider for a refreshing change sending someone flowers other than red roses? Perhaps choose a bouquet in their favourite colour or an arrangement featuring their favourite flower – orchids are a popular choice and they are grown in a huge variety of colours. Even more thoughtful would be a rose-bush for their garden or a miniature one for indoors – that way they can have roses every year and for more than a week!

As popular as red roses for a Valentine’s present is chocolates! Instead of just buying commercially available boxes of chocolates with foil wrapped hearts in a red-heart shaped box, ‘nice but not very personal’, try instead making your own sweet treats. Strawberries dipped in chocolate, heart-shaped biscuits or a heart-shaped cake, or even buy some chocolate moulds, melt their favourite chocolate and make your own – you will be pleasantly surprised how easy it is.

How many ways can you say I Love You? Nine if you choose this really great gift idea of nine stones carved with “I love you… ” on the front, and a different “reason” on the back:
… for always getting my jokes
… because you’re an inspiration
… because you are so much fun
… because of your great smile
… for being so giving
… because I just do!
… because you love me
… because you rock
… for your honesty

The stones are presented beautifully in a red faux-suede drawstring pouch – why not give your sweetheart one each day leading up to Valentine’s. These stones actually make a great gift for any friend or family member you feel strongly about and should not be reserved just for Valentine’s Day.

Presentations are the way many products and services are sold. The effectiveness of your presentation determines your success. Yes, you also need to find a lead, set an appointment and follow-up, but the presentation is key.

Below are some thoughts about the components of a successful sales presentation:

You have the solution to your potential customer’s problem. If you can’t meet your potential customer’s need, you can give the greatest presentation, but you probably won’t get the sale. Of course, it isn’t ethical to con him/her into thinking you have a solution when you don’t. You clearly explain how your offering can solve the problem of your potential customer If you don’t explain clearly, you may have a solution, but you won’t get far. This is why presentation preparation is so important. When you prepare, check that your message is organized and clear. State the problem simply and completely, based on questions you asked earlier or o questions you ask during the presentation. Then show how your product or service can solve your potential customer’s needs.

Be sure to provide supporting data to validate your solution. Even with a great solution, how do you ensure that people believe you? This is the important art of persuasion. As you show your solution, you must connect all that you say to their problem and back it up with both hard — facts and figures – and soft data — testimonials, your experience, and current customer names they might know., Be sure to convey how your solution will make them feel. Relieved? Less stressed out? Happy to reduce costs or increase profit? A positive emotion is a requirement for making a decision.

Your visuals are clear. Your slides must be crystal clear. Did you know that people can’t read and listen at the same time? So, if you use slides full of text, they’ll read them while you’re talking and won’t hear what you’re saying-that isn’t clear communication! Diagrams and charts should be easy to understand and not contain irrelevant content. If you have to provide highly detailed data in a spreadsheet, have a handout so your audience can follow along easily. Don’t provide unnecessary data during the presentation. Instead, leave supplemental content as a handout, if your potential client wants to review it before making a decision. Make sure that all text is legible and use animation only if shows a process. Use only high-quality photos and. avoid loud backgrounds. Put one point on a slide and backs up that point with a photo, diagram, or chart-this is called the Tell ‘n’ Show Method.

You connect with your audience. Think of your presentation as a two-way conversation, especially if you are speaking to a small group. Meet their eyes, ask and answer questions, be friendly and natural-think of it as an interactive presentation. Your potential customer will buy from you as a person not a presenter.