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Have you realize that most people hate their 9-to-5 jobs? I’m sure you have and this is a common trait with most individuals who get up, and decide to go to work in the morning to pay their bills and make a living. Look there is nothing wrong with this… having a job is a part of life. But also understand that one of your main goals should be to work for yourself and create your own income and not have to depend on the power of a boss.

When you begin starting a business online you put yourself in the position to make this all happen. A reason why people fail at this is because they are not self-motivated. They do not get up in the morning and put the work that needs to be done to make their computer business run. This business is not going to just run on autopilot… it may when you get the hang of it but at first you’re going to have to build a foundation in order to see everything come together.

I find it very amusing when people complain about their jobs but then do nothing to solve the problem. They just work longer hours and demand more pay. That is not going to solve the problems at all and you must understand that as well. What you are going to have to do is take a stand right now and make a decision. After you make that decision you must stick behind it.

There are no secrets and no special strings here… all it takes is action. If you can do this then you can take your first steps to starting a real business on the Internet. It’s going to be a fun journey as long as you make it that way.

When it comes to public speaking, the 3 P’s are the essentials: prepare, practice and present. Many will say that your delivery is the most important aspect of your presentation; and, admittedly, the most creative, the most inspiring, and/or the most exciting words will fall short of your goal if your delivery skills are weak. To say that one aspect of public speaking is more important than another, however, would be wrong.

Good public speaking skills include a strong preparation, your 1st step of which is to define your purpose. What is your reason for speaking? Are you there to inform or to persuade? Whatever your purpose, build your presentation or your speech around your goal.

Research and outline your text by breaking it down into major points or, as I refer to them, blocks of information. This is more important than you may think. If you can learn to focus your material within large blocks of information, it will be easier for you to plan your material, practice it, and later deliver it.

Once you have your outline, begin practicing out loud. Even if you are not finished creating your entire piece, start saying your words out loud and listen to how it flows. In doing so, you will possibly change some of the material you have already thought of and discover other material or anecdotes that you want to include.

Do not underestimate the value of rehearsing your outline even before it is done. Practicing your material is one the most overlooked and undervalued aspect of public speaking and yet, without practice, your chances of success are less likely. Your audience is not interested in listening to you ‘practice’ on stage. Just as athletes, actors, musicians, and singers rehearse daily, so too should the public speaker.

When you practice, don’t just go over your words. Imagine you are talking to an audience as you speak. When I work with clients privately, I fill the room with large stuffed animals so that my clients have an audience to acknowledge, as they scan the room from one side to the other.

Your final step is to present your speech or your presentation to your ‘live’ audience. If you have done your homework and created a strong informative or persuasive talk, if you have faithfully gone over your material so that you know it ‘inside and out,’ your delivery will be much easier and the likelihood of your success much greater. Talk to your audience with passion and enthusiasm just as if you were having a conversation in your living room and your audience will thank you.

The fear of public speaking makes the task of public speaking so much more difficult than it needs to be. You will find that solid preparation and serious practice will make your presentation that much better, that much easier and that much more dynamic.

Today millions of people throughout the world are dealing with the overwhelming challenge of credit card debt. While debt consolidation loans and balance transfer are strategies utilized by many people to deal with the immediate cash flow issues, these strategies do nothing to reduce the total amount of outstanding consumer debt. In reality, more consumers should consider credit card debt negotiation as a tool for improving monthly cash flow and reducing the overall amount of carried debt.

The negotiation process begins by communicating with your current creditors. These communications need to clearly articulate no only your current financial situation and inability to repay at the current terms, but also a clear request of how you need your debts to be restructured. The most common form of credit card debt negotiation involves negotiating a lowered APR to reduce the amount of monthly interest accrual. At the heart of this process, the creditor and the debtor work together to formulate a plan that allows the debtor to fully repay their debt, while still protecting the interests of the lending institution. Successful negotiations will not only eliminate issues of delinquency on the part of the borrower, but it will also save the borrower a substantial amount of accrued interest.

If you are unable to negotiate an acceptable settlement on your own, it may become necessary to bring a third party to assist in this process. The two most common resources for credit card debt negotiation are consumer credit counseling organizations and professionals who specialize in consumer law. The expertise and experience that these outside parties bring to the table can be beneficial in creating a settlement that is equitable for all parties involved. In many cases the use of an outside third party can greatly reduce the total amount of outstanding debt that is required to be repaid.

Consumer counseling services will typically work directly with lending institutions, acting as a mediator between the debtor and the lender. The counseling service will typically work to establish a monthly budget with the borrower and will then negotiate a reduced principal and interest payment with the creditors. In this form of credit card negotiation, the borrow will make a monthly payment to the counseling service. The counseling service will then divide that payment between the creditors. When the balance is paid off on one account that amount is rolled over to another account each month, generally determined by the highest rate of APR.

The second method of third party negotiation is often referred to as credit card litigation. In this type of debt negotiation strategy, the debtor seeks legal remedies to relieve their debt obligations. Even though most people would assume this means bankruptcy filings, that is a common misconception. In reality, this type of negotiation uses legal filings and at times the court system to create a remedy to the unresolved debt liability.

Whether you handle the process yourself or utilize the services of a third party, don’t overlook the opportunity that credit card negotiation presents for reducing your overall debt and increasing your monthly cash flow.