Negotiating Credit Card Debt With the Creditors – Get the Professionals to Help You

One of the options in order to solve your credit card debt is by going through a credit consolidation company. They will help you pay your debt off but in return they will charge you with different terms of interest rates. Another option is by negotiating credit card debt with your creditors.

You can directly approach your creditors, get an appointment and get further to negotiate your debt situation. There is a great possibility that they will make a negotiation with you since you are calling on your own behalf and at least willing to pay the bill off. If you feel not capable enough to face the creditors, then you can get a service from professional who is well verse in dealing with debt settlement. Their specialties in debt negotiation will help you get the most in settlement of your debt.

Most of the time when people opt to use a professional credit card debt negotiation company, it is well known that these companies can get better “deals” for people than if the people tried to make the negotiations themselves! One of the reasons why these professionals are capable to get better deals is because they are strictly deal with making negotiations and also they know how to barter and negotiate with the creditors!

One of the best ways to get the help from a professional negotiator is by looking up and reading up on many of them on the internet. It is there; that you will be able to see which ones are really the good guys and which are not! So, don’t hesitate in going for negotiating credit card debt. It is surely an option available for all.

Never Allow The Past To Interfere With The Present

Don’t Allow The Past To Interfere With The Present

Researchers placed some fleas in a transparent canister and then put a lid to close the canister top. In a bid to escape from their prison the fleas would jump, because jumping is the only thing they know to do. Every time the fleas jumped they hit their heads against the lid of the canister. Every hit on the lid brought with it excruciating pain and possibly headaches. The fleas, being good learners soon adjusted their strategies. Instead of jumping high, they would jump in such a way that they would not hit their heads against the lid at the top. With this strategy they succeeded in avoiding the pain of crashing their heads against the lid, but they also forfeited the possibility of ever escaping out of the canister.

The researchers kept the fleas in the closed canister for many days. After a while they noticed that the fleas had adjusted their life styles and were not making any attempts to jump beyond a certain height. At this juncture the researchers removed the lid from the top of the canister. An amazing observation was made, instead of the fleas jumping to freedom, they just kept jumping to the heights they were used to. The headaches and the pains of bashing heads against the lid had taught the fleas to quit jumping so high, enjoy the comforts of jumping low and avoiding pain. Although the lid that once held them captive had now been removed, the mindset that said to them, “This high shall you jump and no higher” still imprisoned them.

This little experiment has very profound lessons for us all. Let us unpack them.

The Normalizing The Abnormal Syndrome

If perfectly normal human beings are put in abnormal situations, their survival instincts kick in immediately. They learn very quickly to adjust their behaviors in a way that minimizes pain and suffering. This is similar to the way the fleas learnt how to adjust their jumping habits. However, when this stay in abnormal conditions is prolonged the survival habits set in and the people become fossilized in those habits-what started as an abnormal response to an abnormal situation soon becomes the norm. People forget that they never used to do things that way, and soon begin to say “this is how things are done here.” We will call this tendency the tendency to “normalize the abnormal”. There are several everyday examples to illustrate the prevalence of this phenomenon. People who stay in problems for prolonged periods begin to see no problem with the problems. Most people born in poor families under very adverse conditions soon adjust and begin to feel very comfortable in their poverty. Most oppressed servants and spouses are inclined to acquiesce than to rebel. The above examples are extreme cases. However, there are numerous less graphic but equally tragic examples.

Here is the great catch! Survival is instinctual, a kind of reflexive response meant to minimize pain and make it from one day to the next without little regard to the quality of life. The key words here are, “little regard to the quality of life.” On the other hand winning in life is a productive of conscious endeavor, the product of deliberate consistent application of certain learned habits, attitudes and skills with deliberate regard to the quality of both life and results. The big question is-Are you living in a survival mode or a winning mode.

The survival mode is designed to minimize pain, failure and inconvenience. Often, but not always, it begins as a response to adverse circumstances which is so prolonged that it soon sets in as a habit. At the beginning it serves a useful purpose because it grants survival, but because it is now a habit it becomes the way of doing things even in the absence of threatening circumstances. It becomes a prison where people and their potentials are imprisoned. The most tragic part is that, like the fleas in the experiment, people are not even aware that the real prison is the mindset and not the initial limitation. Well after the lid had been removed, the fleas were still not jumping to freedom. The fleas were living in the past.

It is very tempting and easy to dismiss this flea behavior as irrational and nonsensical, yet the truth is that most of us are trapped in the past just like the fleas were. Like us examine the evidence.

There is a strong positive correlation between success and the tendency to engage in adventurous efforts. This is a proven truth. The other proven truth is that children tend to be more adventurous and more successful at what they do than adults. The reason is that most adults become less and less adventurous as they grow old because of the painful experiences that they experience while attempting to achieve something. People fall in love and sometimes get heartbreaks and in response they become less inclined to fully commit themselves in future relationships. People attempt some business ventures and most of those that fail become too cautious and less inclined to try again in future. Their past failures follow them and in a way influence their current behaviors.

The biggest casualty in all this is human potential. When the fleas learnt to jump to only the comfortable heights, they learnt to do less than their best and consequently never fully realized their potential. The same is true of you and me. Our current heights in life are not indicative of our potential but of our past conditioning. Each one of us can do better that we are currently doing, but we are stuck in the flea syndrome. Some of us are stuck in a strategy that served us well in the past but is now outdated. Some are stuck in a heartbreak that occurred in the past but is now over. To some the prison is the fear and caution carried over from a long gone and forgotten event. Together we are driving with our hand breaks on.

Opportunity to Telecommute Using Remote Presentation Software

The idea of telecommuting is a highly attractive one to many people. The attraction arises out of the fact that through it, people can get to work from the comfort of their homes. This would translate to many benefits. For starters, it would translate to savings on travel costs, to and from work. Secondly, it translates to greater convenience. Nothing, in terms of convenience, beats the opportunity to work right from your bed, in your pajamas! And thirdly, it translates to less work stress: starting with that which one would be very likely to encounter on the roads on their way to work, to that which tends to come up as tensions build up in offices.

Unfortunately, in its earliest days, telecommuting was seen as something that was only possible for certain jobs and not for others. People whose work did not involve a lot of personal interactions, the likes of accountants and computer programmers, were seen as the only people who could telecommute. On the other hand, people whose work revolved around a lot of personal interactions and the making of various presentations like managers were told that they couldn’t telecommute.

Thankfully though, through tools like the increasingly popular remote presentation software, it is becoming possible for people whose work previously made it possible for them to telecommute to do so nowadays. That is especially the case for managers whose day to day work, for the most part, revolves around preparing and making various presentations.

It is because of that nature of their work (which involves making and attending presentations), that managers were previously seen as the sorts of people who couldn’t work from home. After all, in the absence of a mechanism through which they could make presentations from home, how would they be able to go about their work?

Remote presentation software changes the dynamics of the issue radically.

Through the remote presentation software, it becomes possible for people to make presentations from wherever they happen to be, in real time, and in a professional platform. And thanks to that, the argument that managers couldn’t telecommute ‘because their work involved making presentations’ doesn’t hold water any more. Through remote presentations software, it becomes possible for managers, from the comfort of their homes, to make presentations to colleagues (or other business stakeholders) who may be thousands of miles away. That means that through this software, the business managers not only get the opportunity to work from their homes, but they could even work from their hotel rooms while on vacation.

To be sure, not all managers will still be able to telecommute even with the emergence of remote presentation software. There are elements of management work that require real person interaction, and which simply can’t be done remotely. What is for sure though, is the fact that on the days when all that the manager is schedule to do happens to be a series of internal presentations, they can manage to work from home, through the use of the remote presentation software. And that opportunity to work from home, even if it is just occasional, would be a great relief to many driven managers who, as things stand, hardly ever get any opportunity even to breathe.