pofaxefn.info

To negotiate with credit card companies about your ever increasing debt, you must make sure that you are prepared to have some patience when dealing with them, especially when it comes to preparing all the required documents. It would also be very helpful to be flexible because it is not uncommon for the creditors who would be handling your credit card debt negotiation to suddenly change their minds about just anything. Here are some tips to help you understand better the concept of debt negotiation, as well as get the best deal for a debt negotiation.

Proper Documentation

The ultimate objective of a negotiation should be that of having everything properly documented. Remember that anything said or discussed between you and your creditor or credit card company, is not final. There are times when these creditors or credit card companies will just change their minds. At times, they also forget or misconstrue some parts of their verbal talk with the cardholders. And since the creditors have such reputation, it would be best to clarify and confirm with them in writing; that way, everything will be properly documented and you will be able to track all contracts, pacts and other important documents.

Records Maintained And Allowed In A Systematic Way

And while the credit card debt negotiation that would take place between you and your creditor would usually happen through a phone call, it would definitely be impossible to document any agreements. So, the best thing to do would be to record all the calls by simply asking for the name of the person you have spoken to; while jotting down the important points in the conversation. After that, make it a point to follow up on the phone discussions you have had by writing a specialized letter. In that case, even if the person you have talked to has forgotten any of your discussions or pleasantries, then you would be able to refresh their minds about the agreements and discussions you had between the two of you.

Time Factor

Remember that time is essential in getting a fine settlement. As time goes on, the creditors are usually thinking about new cases and they try to once more get what they can get out of their clients. And they are most satisfied if they are able to get the original amount once again, which on one hand, can be beneficial for the clients as well.

One more thing, it would be wise to follow through and fix anything you might have agreed on during the first or second sessions of the settlement plan. Also, it would be a good idea to remind the creditors of the expiration time of any stage in the negotiations in order for them to take care of everything so everything is ship-shape.

Bankruptcy

Last of all; let your creditor be aware that you have definitely filed for bankruptcy since you truly do not have any money to pay for your debts. There are times when you can be assured that the debt negotiation will really work out well; however, there are also times when they will not. Therefore, it would be best if you could just make yourself aware at all times that there are certain legal limitations that go with bankruptcy. Really, such debt settlement programs as well as tips will surely help you bring the creditors up on their toes as far as getting a good debt negotiation is concerned.

Credit card debt negotiation is actually an easy and significant way of helping cardholders get out of their financial troubles once and for all and get a good credit standing once again.

Are you frightened of speaking in public? You’re not alone. Being nervous isn’t necessarily a bad thing. If you harness it, you can have access to a pool of energy to help you perform at your best. The problem arises when you are so nervous that it inhibits your ability to function and remember what you were going to say.

In this article we look at tips for overcoming your fear of public speaking being (1) smile (2) learn from your mistakes and (3) use a visual memory technique.

Tip 1: Smile

Pull your shoulders back, breathe deeply, hold your chin up and paste a huge smile on your face. Try it now. It is impossible to feel either down or nervous while you are doing this. Hold that pose when you walk up to the podium to begin your presentation and you will feel much better. You will find that the bigger and the sillier the grin that you paste on your face, the more difficult it is to feel any negative emotion.

One of the secrets presenters learn early on is that the audience ends up in exactly the same emotional state as the presenter. So if you look like you are happy and having a good time, that is how the audience will feel too.

Tip 2: There Is No Such Thing As Failure, Just Feedback

Every presenter has made mistakes. The key is to learn from them and not repeat them in future presentations. I have:

• Been told I speak too fast – so I slowed down the speed of my delivery.
• Told a joke that has fallen flat. It was a joke about lawyers to an audience of lawyers – so I no longer tell jokes about a profession to the profession I am talking to.
• Been disrespectful about someone and not realised they were in the audience – so I don’t do that anymore.
• Been flippant and had my comment taken seriously – so I don’t do that anymore.

From each of these mistakes, I have learned and changed the way I do things to ultimately become the presenter that I am today. Some of these mistakes are things that I look back on and I feel appalled that I made them, but in my inexperience I knew no better. The whole aim of gaining experience is to make mistakes and improve.

It is unrealistic to think you can start presenting and not make mistakes. Even today after 20 years of presenting I still sometimes make a mistake. The difference now is that I can recover from them more quickly than I used to.

Tip 3: Use A Visual Memory Technique

There are visual memory techniques you can use to remember presentations. I have used them myself for presentations running as long as 3 days. When you forget where you are up to, you quickly close your eyes (to the audience it looks like a long blink), look at your visual memory stack and remember where you are up to. There are people who will teach you how to do these.

In effect it is as simple as making up a story book picture in your head about your presentation and then remembering where in the story you are up to.

I have successfully used each of these tips to help me while giving presentations. I trust they will help you too.

In most tea services today, a tea box or menu is used for presenting tea, but the consumer’s tea selection is often made by name recognition only. With the wide range of whole-leaf teas available today, the Tea Butler Presentation Chest makes it possible for individuals to examine and select teas based on color, texture, and aroma. The hardwood chests are simple, yet elegant, and the presentation process dignifies the traditions of the tea ceremony that have evolved throughout history.

Tea Butler Presentation Chest: The Tea Butler presentation chest is made of beautiful hardwood and has a series of see-through sparkling clear octagonal acrylic tea jars. Each chest contains one set of loose-leaf tea selections. The chest has an attractive velour faced foam insert with octagonal cutouts that hold the tea jars, while allowing them to be easily removed for closer viewing. This allows the patron or guest to easily open the tea jar to examine the tea’s texture, color, make-up, and scent.

A tea plaque, located in the tea chest cover, has a detailed description of each tea, and each block is aligned with its corresponding tea jar. The teas are organized by tea type to simplify the presentation. For example, herbal caffeine-free teas are located on the left, black and flavored black teas are in the middle, and green and flavored green teas are located on the right. The plaque can easily be customized for each tea blend selection and can include individual or organization names and/or logos.

Tea Butler Presentation Process: In a restaurant table service, for example, the server brings the Tea Butler to the table, describes how the teas are organized on the tea plaque, and then goes about other tasks while the patron takes a few minutes to read the descriptions, examine the teas, and make their choice. There is no need for extensive training about the individual teas.

Tea Butler Benefits: The Tea Butler offers patrons an opportunity to explore new teas and make an informed decision about their tea selection. Past experience has shown that patrons like it because it is interesting and informative, and adds a pleasurable dimension to their dining experience. Servers like it because it’s simple to use and their patrons enjoy it. Restaurant owners like it because the Tea Butler can be brought to the table with the dessert menu, thus encouraging patrons to have dessert, after dinner beverages, or both. The added benefit for owners is that their sales
generally double or triple in a product where gross margins are high.

Tea Butler Series Presentation Chests and Trays: The Tea Butler chests and trays come in a variety of sizes in either maple or cherry. The beautiful hardwood products are stained mahogany and varnished to produce an attractive display product. The presentation chests are available in 6 or 8 count maple; and 9 or 12 count cherry. The presentation tray is available in 6 or 8 count maple. There are 12 standard plaques and tea sets for the maple and cherry chests, and 3 standard plaques and tea sets for the tea trays. Custom plaques and tea sets versions can be implemented. Each of these products can be viewed with graphic detail on our website.

Specialty Teas and the Silken Tea Sachet: As interest in tea has grown, consumers are looking for even more variety. Specialty teas are now the most interesting and fastest growing sector of tea, and its growth is poised to continue over the next decade, according to the Tea Association of the USA. A fitting definition of specialty tea is tea that has been specially cared for in ways that allow the teas to achieve their highest level of quality. This care starts with the planting, cultivating, and careful timing of when and how the tea is harvested, processed, packaged, and shipped. This produces teas which are wonderful to taste, have great sensory appeal, are interesting to the eye, and are soothing and relaxing to drink. This tea deserves a presentation that is as carefully prepared as the tea it presents.

In the presence of such fine specialty teas, it became apparent that the ordinary tea bag, because of its limited space for steeping, would not allow the full-leaf tea to brew to its full potential. To meet this need, tea vendors began looking for alternative ways to package these full-leaf teas that would be easy to use and attractive to consumers. Harney & Sons, one of the finest tea companies in the world, offers a broad range of silken tea sachets that contains a generous amount of pre-portioned loose leaf tea that provides a full two-cup teapot with a single sachet, taking the guesswork out of brewing a wonderful pot of tea. The Tea Butler has partnered with Harney & Sons to offer their fine teas to restaurants, resorts, and hotels, as well as for retail customers at its online store.

Tea Butler Trays in Coffee Shops and Retail Locations: Traditionally, coffee shops have had a captive audience, with little interest in serving any but the most basic teas. In recent years, however, there has been a growing demand for healthier beverages and the interest in tea, especially high-end specialty teas, has caught the interest of well known coffee chains such as the West Coast chain, formerly known as the Coffee Bean, now renamed the Coffee Bean and Tea Leaf.

Coffee shops of all sizes have a common problem: lack of display counter space. The Tea Butler tray was designed specifically to meet this need. The trays are made of hardwood maple, and are stained mahogany and varnished. They are longer and narrower than the tea chests, containing one row of 8 sparkling clear octagonal acrylic tea jars and are uncovered. The tea description plaque is placed on a beveled surface on the tray, in front of the tea jars, with each tea description aligned with its tea sample. The trays are attractive, draw attention, and encourage patrons to order specialty teas. Some shops are also selling Harney & Sons colorful retail 20-count tea sachet tins as well. A stepped 8-tin rack fits nicely behind the tray, encouraging patrons to purchase their favorite teas.

Conclusion: The presentation of tea doesn’t need to be a blind, uninteresting process. With Tea Butlers, it can be simple, yet elegant and informative, where both the presenter and their guests can enjoy the process!