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Dealing with creditors can be a hassle, which is why people often choose to enlist the help of a third party debt negotiator. While working with a third party may be helpful, there are some things to consider. First, are they legitimate? Can they really maximize your chances at successful negotiation? and What type of negotiation will they provide you? It is important to know the answers to these questions before signing up for services. Protect your debt negotiation by asking the following questions:

What services do you provide?

Not all debt relief companies are the same and some tend to advocate or sell one particular type of service, like a debt settlement. You want to choose a company that offers a wide variety of services and doesn’t try to treat your financial situation the same as the next customer. A reputable debt negotiation company will offer services in debt management solutions, budgeting and saving, smart money management and investing advice.

Are your staff trained and licensed?

There are a multitude of negotiation companies in operation, which makes it difficult to know which ones are legitimate and which ones should be avoided. A reputable agency will staff licensed and credentialed employees who have extensive training the field of finance. A company that only staffs employees who were trained “in house” should be pursued with caution, as these employees may not be adequately trained or knowledgeable.

How does your company make money?

The debt negotiation business can be broken into two types of companies: for profit and non-profit agencies. Credit counseling companies are an example of non-profit agencies that charge minimal fees for services and are accredited by the government. While there isn’t anything inherently wrong with using a for profit business, be aware that you are likely to be charged much larger fees for services and may even be required to pay upfront.

What is required of me in the process?

Using a third party debt negotiator does not mean that you are free from responsibility in your debt resolution. In fact, you should remain an active participant in the process throughout the negotiation. It is important that you stay in contact with your lender and obtain a signed letter of approval for whatever deal is arranged by the debt negotiation company. You may be required to make payments or provide additional information throughout the process. Always keep an eye on the debt negotiator and ask questions any time you are unsure of something.

It is a huge milestone in every pupil’s life. This is the special day when we celebrate for the achievement that we want our loved ones to recall for a lifetime. It is a celebration of the end and the start of something better. This is the big day when mommies smile with pride and pops get their position with their cameras to take the perfect shot while their offsprings walk with pride and take center stage – Graduation Day.

On this unforgettable occasion one would be wise to give gifts that will be recalled. It is best that we present jewellery as Graduation gift. These are prestigious items and are ideal for the event. They are given to wish the pupil success and to let them know how proud we are of them. Let’s make our little achievers feel special with personalized graduation gifts. Graduation jewellery provides your pupil with something lovely to wear on her special day as well as a lasting keepsake for the years to come.

Jewellery comes in attractive and unique designs that will cheer every graduate. With this precious gift, a graduate can be more than happy to have successfully achieved something in her life. She will feel more appreciated; more loved and will become more confident and courageous in the journey of his or her life.

For little offsprings graduating from Kindergarten class, you can make their very first graduation a memorable one. Jewellery as graduation gifts will remind little gals of this crucial day in the years to come. Present your precious ones with handmade bracelets creatively adorned with Swarovski crystals or pearls with a charm of a sterling graduation cap.

For our offsprings, ideal gifts are lockets engraved with personalized inspirational messages to always remind her of her place in your heart, and that you’re the person most proud of her achievement. This can come handcrafted in solid sterling silver and can be embossed with diamonds or birthstones.

You can give these gifts before the crucial day itself. Let them use it on that crucial day. They will surely wear this with pride! We may spend extra for jewellery gifts but it will pay off as this is something your recipient will enjoy even for years to come.

Celebrate graduation as a time of new beginnings. Let your graduating son or daughter celebrate this crucial day with a gift so unique and that will last a lifetime.

Reading body language when you negotiate can be very insightful and very beneficial. It gives the negotiator that can interpret the thoughts and gestures of his negotiation opponent an additional advantage. Once you’re able to read body language, with a high degree of accuracy, you’ll be on your way to achieving more favorable negotiation outcomes.

In my writings I’ve outlined the value of observing non verbal signals, also called body language, when negotiating. Many have asked, what does it really take to become keen at reading body language? To which I’ve responded, it takes practice, good observation skills, the ability to listen more than you speak, and a willingness and desire to really get good at reading body language.

I’m sure you’ve experienced situations when you knew what someone was going to say, before they said it. How did that occur? How were you able to tap into their mental state of mind and extract the thought they were about to pronounce, before they spoke? It occurred as the result of you being mentally synchronized with that individual. I’m sure you’ve also heard someone say to you, I had a feeling you were going to say that. A feeling … what aura were you generating to allow someone to hear your unspoken thought, to see into the hidden chambers of your mind, to experience that kinesthetic connection, before your announcement?

As we think about what we’re in the process of conveying to someone else, our bodies prepare to deliver that message by going through and evaluation of how that message will be delivered. At that point, in a nanosecond, our bodies go through the process of mentally delivering the message and imagining the response. All of this happens, literally, at the speed of thought. I’m sure at times in your life you’ve been told to hide your feelings and at other times, don’t hide your feelings. Your feelings about a subject convey emotions and your emotions can be read when you negotiate.

Years ago, I participated in a study that pointed out the ease with which you can tap into someone’s thoughts and emotions by observing their body language. In that study, two individuals sat straight up facing one another, with their knees approximately a few inches from each other. The first subject was instructed to close her eyes and mentally enact a situation, with the degree of realism as though that situation was really occurring. The second subject was instructed to mimic the actions of the first person, which included breathing to the same rhythm of the first person. After a short period of time, in most cases, the second subject was able to feel and announce with a high degree of accuracy, what the first subject was experiencing. I walked out of that study thinking, ‘Wow that was mind expanding.’

Below are two exercises you can practice to enhance your ability to become more perceptive and enhance your ability to read body language …

· Sit in a quiet environment and listen to the sounds around you. Take note of what you hear and see. You may be thinking if the environment is quiet, I’m not going to hear anything. That’s not true. Even though there’s quietness in the environment, there are still sounds to be heard. Can you hear them? Once you begin to hear the sounds of quietness, your listening skills will become sharper and your negotiation skills will become keener.

· In a very noisy and active environment, focus on one conversation or activity that is slightly out of your hearing range, but close enough that you can make out some of the conversation that’s occurring between the participants. See how well you can focus on that situation while blocking out other activities and noises going on around you. Once you’re able to mentally hone your observation skills, to the degree that you can block out all of the external noises around you, your observation skills will begin to become more impeccable.

Once you become good at deciphering the unspoken word that conveys a hidden meaning, you’ll be on your way to getting more out of every negotiation session. You’ll also notice that your negotiation outcomes will become more favorable to all parties involved … and everything will be right with the world.

The negotiation lessons are …

• Before your very next big negotiation session, take the time to learn how to read body language more accurately. The benefit of doing so lies in the outcome.
• When you negotiate allow your negotiation partner the opportunity to look inside your mind by showing him your mental makeup. If you show your state of mind through your body language and he observes it accurately, he’ll think he’s uncovering an advantage. The thought then becomes who’s really at an advantage. The answer is, you are, because you know the purpose of your thought and in which direction you wish the negotiation to travel.
• Make reading body language a game. Play it often and you’ll be amazed at how quickly your abilities will be enhanced and the benefits you’ll reap at the negotiation table.