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News is around that Debt Settlement is one of the most popular debt relief; but before actually contacting your creditors you need to at least be aware of the settlement process. Here are some important debt negotiation tips.

1. Either you’re doing the negotiation yourself or if you are hiring arbitrators in your stead, you need to be fully aware of your financial status. You should be aware of what to prioritize from your bills. If it’s the best time to consider debt settlement itself and hand over money to your creditors when you can hardly make it through with your daily needs. Always consider the basics and fundamentals.
2. Calculate your bills; compare it with your income. Approximate how much you can manage to pay and offer a lower amount to start with. These is where the challenge of negotiation comes in.
3. To make yourself believable to your creditors, you might want to skip some of your dues to convince them you are financially incapacitated. As you seek for settlement, your debt collectors will have no other means but to oblige rather than see you go for bankruptcy. This will also save you money with your negotiations with them.
4. Given you totally have no idea how all the mumbo jumbo of negotiation works and if you have a little extra to spare, perhaps it is wise to hire negotiators. This usually works for most since these are professionals, skilled and experienced. Be wary enough to choose legitimate services though, since a lot of opportunistic companies who promises you the best but never really getting it done.
5. There really is nothing that beats a person with patience and tact at the most trying and challenging times. So even how irritating your debt collectors get with the threats and perhaps harassment, and how disagreeable your creditors can be when you settle your debts with them keeping that professionalism. Calmness is contagious like anxiety is, so keeping your cool with the negotiations will most likely get you things the way you want.

Being aware of your rights will always give you edge and more control over the matter. Not being ignorant of these will help you better make arrangements with your settlement companies and protect your money down to making negotiations with your creditors. Being informed of your Rights is the best negotiation tip you should tuck under your belt securely.

I have some exciting news for you: after reading this article you will know how to select a great present for your boyfriend this Christmas. Interested?

Picture this, it’s the end of August, and some women (young and old) are already thinking about Christmas and all the shopping woes that come with it. You will need to buy presents for your families, your friends, your co-workers (yes, and your boss), and even the hairdresser.

… Oops, what about the boyfriend? Have you decided what you will get him in 2013?

As I’m sure you know, it’s never too early to start shopping… and stressing. Let me provide you with some tips that I think will help. And the best part, these tips come from someone who knows… yes, a guy. Here are my ideas to narrow down your search so you can actually create a list of things you think your boyfriend will want.

Imagine if you even came up with one idea under each of the following:

Hobbies

What have you seen your guy do to relax? What does he talk about (doesn’t include work or even you) that gets him all excited? He’s giving you tips into that male brain of his and very likely giving you hints about those things he likes to do and therefore would like to get.

Guys like to relax and have fun (I know, it’s childish sometimes) but why not help him enjoy his down time? The ideas are many: sports accessories, video games.

Toys

Sometimes jokingly used, it’s still worth noting that anything goofy or unusual is still a safe bet. I’m sure you’ve heard the expression “small things amuse small minds”? Well, it’s true, and sometimes we all need those things just to relax and take our minds off this complex world we live in.

What I really like about the variety of “toys” out there is that these make great stocking stuffers and therefore easy to hide from prying eyes. They’re also great if you’ve only been dating for a short time and are looking for something that says “fun but not overly committed but would like to be”.

Work or School

Depending on what your guy does for work, or even if he’s in school, there are tons of options available to you to find something that makes these more manageable for your boyfriend. Trust me, guys think in terms of efficiencies and if you’ve helped him with this then it will be appreciated (meaning more time for you, too).

Electronics

Here’s an easy one that gives you a gazillion options; from laptops to game players to phones and even… ready, I’m going to use two words in the same sentence about guys… buy your boyfriend accessories!

That’s right, there are so many gadgets and things as well as covers and cables that your choices here are almost endless. This is extremely beneficial to you if you’ve bought him the “big-ticket item” previously and now you want to jazz it up or even make it better.

Sports

I wanted to list this one separately even though it’s touched on above. What else do guys talk about, cheer about, and even place wagers on? Sports, of course! If they have a favorite local team you could look at purchasing a one-game or a seasons-pass for him. Whether you include one for you or one of his buddies is up to you.

If there is not a local team then perhaps you can buy him a pay-per-view event and either you two can snuggle up close to watch it or he could invite his buddies over (I recommend the latter). It should be easy finding out which he prefers, just listen the next time you’re out with him and his friends.

Because you’ve heard this directly from the horse’s mouth, a guy, you know that these suggestions are legitimate. If you’re still not sure, ask other male acquaintances or male family members; they will agree with me.

By following these time-proven suggestions you will narrow down your search for that perfect Christmas present for your boyfriend this year. And what a relief going into the holiday season to be ahead of your girlfriends-with-boyfriends. Happy shopping!