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People often associate gift giving with time, stress, and money, but this does not necessarily have to be the case. By using a little creativity and considering the needs, desires, and preferences of the recipient, finding the perfect personalised present can be simple.

The first thing to consider are the hobbies, interests, and activities of the person receiving the gift. What their favorite color is, what they like to do in their spare time, and what kinds of activities they participate in can all lead to gift ideas that, otherwise, might not be considered. The old adage “It’s not the gift that counts, it’s the thought” is only partially true. If the recipient likes to knit, but receives a golf club as a gift, although appreciated it will probably never be used which makes it less memorable.

Just by knowing what type of activity the participant likes best can lead to many options. This is because most pastimes require many accessories. Those who actively participate in favorite forms of entertainment regularly probably already have the needed items associated with that activity. However, frequently they fail to purchase the “luxury” items that can make it that much more fun. This can lead to great gift-giving ideas.

Most activities have luxury items and some of the best accessories can even be homemade. For instance, if you knit and are giving a gift to a golfer, knitting club covers with golf balls sewn onto the front that have funny faces can not only liven up a game, they can also become the talk of the course.

Although you may know of the interests of your friends and family, you may not be familiar enough with the activities to know what accessories would be most appropriate. By searching the Internet, everything you’ve ever wanted to know about any pastime can be easily found. In many cases shopping sites specialize in accessories and, once known, many can even be made by hand making the gift all that much more special.

For baby showers any gift can be personalized. Embroidering the baby’s name or initials onto quilts, blankets, shirts, or jackets can add an extra special touch. The same can be said for wedding gifts. Adding the wedding date and names of the young couple often serves as a trophy in the new home as well as serving as a great reminder of how special their big day was.

A personalised present is a great way to ensure recipients know how much you really care about them. By understanding the interests and preferences of those you are giving a gift to it is much easier, and much less stressful, to find the perfect gift. Better yet, for those who have skills in sewing, carpentry, or any other artistic areas, the joy of giving something homemade that didn’t break the bank often makes the effort well worthwhile.

If you’re going through foreclosure and you haven’t spoken with your current lender, you’re not alone. In fact, most people who go through the foreclosure process never even pick up the phone to negotiate with their lender to try and stop foreclosure.

I’ve been a real estate agent a long time, and most of the clients that call me to try and save their home, have never picked up the phone, called their current lender and tried to negotiate and stop foreclosure. Most of the time, it’s a combination of embarrassment and lack of knowledge that makes people reluctant. But if you know just a few simple secrets, you can negotiate with your lender and stop foreclosure. Let me tell you how.

First a Couple of facts About Lenders and Foreclosure:

1.) Lenders hate foreclosures: It costs them money, it costs them time and they will never recoup their losses if your home goes into foreclosure and they have to sell it. The lender will incur attorney fees, Realtor fees, property maintenance fees and a host of other expenses that make the foreclosure process a last resort for them.

2.) Lenders Employ Real, Live People: I understand you are reluctant to negotiate with your lender and stop foreclosure on your home. Many people think of their lender or bank as a large, unemotional institution. But the truth is, the people you will talk to our just that: people. They’ll listen to you situation and will genuinely try to work out a situation that can help them and you. Don’t be afraid.

How to Negotiate with Your Lender and Stop Foreclosure

Hopefully you’re a little less afraid to pick up the phone to negotiate and stop foreclosure . Now you need to know what to say and how to approach the bank when you do call to negotiate:

1. Don’t wait until the last minute: If possible, talk to your bank before you go into foreclosure. If you already are in foreclosure, don’t wait until the last month of the process – call them now.

2. Tell them the truth: If you lost a job, tell them. Medical bills? Tell them. Many times a hardship can help you renegotiate, avoid foreclosure and start getting back on track with the lender.

3. Don’t be afraid to Haggle: Banks hate having one of their properties go into foreclosure. It costs them large amounts of money both in lost income and expenses for attorneys and real estate agents. Use this to your advantage and don’t be afraid to ask for a rate reduction, payment deferments, etc.

If you take anything away from this article, please understand that you can negotiate with the bank to stop foreclosure. In fact, the lenders would rather have you call them than have your home get foreclosed on!

in the rare instance where your lender won’t work with you, you can use one of the systems we’ve reviewed to help you out. See the about me / resource box for a link to our review page.

Good luck and don’t be afraid to negotiate with your bank to stop foreclosure!