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Debt settlement is the most fruitful way of gaining rebate in the total amount of the debt. This makes the debtor very comfortable to cope up with the remaining amount of the debt. In debt settlement, a negotiation is done with the creditor. He is made to understand the various reasons why the debtor is unable to pay the amount on time. A successful debt negotiation provides rebate of a good level.

A negotiator must be confident about the content which he is going to present in front of the creditor. He must be aware of all the terminologies used in financial industry. Although, this thing can be done by the debtors himself but there are various parameters which a negotiator must have with him. In the absence of these parameters one can miss a great chance of gaining rebate in the amount.

The DIY Debt Negotiation is a very good thing because it makes the debtor self dependent. For this purpose, the debtor should be aware of all the things which are taking place in the case, and then only he can negotiate with the creditor for debt settlement. He debtor must try to build up strong communication skills, effective negotiation skills, impressive descriptive skills, good grasping power of the matter and the most important part is to develop soft skills.

It always recommended that the debt settlement process must be carried on in a very polite manner. For a successful DIY debt negotiation, one should not lose his heart if doesn’t get success as expected rather he should try at some higher level. Doing it, definitely it will make the debtor successful in the debt negotiation.
Although, there are various institutions available in the market, they provide a very supportive hand to the debtor for gaining maximum benefit from debt negotiation.

As the debtor he may not be that much experienced and skilled. So for a debtor it always more of a risky task to carry on the entire process himself. That is only the reason; most of the debtors tend to take help from such kind of professionals. But before making any decision for the organization, its credibility should be checked out.

As a human beings we have to communicate our thoughts and share them with others. Sometimes it has to be public statement. And probably each of us had to do at least one public presentation in his life. For some it was easier and for some harder. Especially those who had problems with doing it right think that it is something hard to learn or a kind of gift that you born with. But being a good speaker is a kind of skill that you can learn and practise. Just few tips will help you!

Know what you are speaking about.

This is very important to have wide knowledge about the subject you are suppose to speak about. Read books and search information on the internet. Prepare yourself a short notes about most important issues and than read them free or four times. Well prepared notes are the key to organized knowledge. It’s obvious that you can’t remember all the facts that you want to talk about (and it is even not recommended to learn them by heart). But when you have good notes they will be a sort of network that will show connection of one item with another. In case of problems with remembering something you can always take a quick look and get back immediately on track.

Prepare some unusual facts.

From my practise from university I have learned that there is nothing less interesting than boring lecture. I was a listeners of many lectures and presentations but only some of them left in my mind. I probably remember only those one which made my eyes open wider, made me wonder about the world and wanted to learn something more about the subject. Usually the most interesting were not facts that can be easily read in books but those that aren’t widely known. So make your listeners wonder about the subject. Surprise them and left with a little bit of unsureness.

Be confident.

I am sure that this point might be hardest of all. But don’t worry: if you are well prepared and have something interesting to say you’ll be all right. Remember that no one is really 100% confident while speaking in public. And even if you made a mistake think that it happens to all of us. Even the professional speakers, managers and businessmen who ended up courses named ‘ management training UK ‘ or ‘be the best leader’ have sometimes doubts if they are correct or have something interesting to say. Bare this in mind and it will help you stay calm. And what can you do to be more confident?

Have a nice look.

Wearing clothes in which we look and feel good makes us more comfortable and of course confident. Especially it is very important when it comes to women. When we are certain that our hair looks good, make up isn’t to expressive, shoes are clean and clothes are elegant, smart, classy and fits us we can pay all the attention on the subject of presentation, not wondering ‘Am I look good? Do they listen to me or look on the stain on my skirt?’.

Smile and be funny.

If it’s possible and it is not very formal meeting try to interest your audience with a joke. If your presentation is first in a block of lectures your listeners might be a little bit sleepy. Few interesting and funny facts will totally wake them up and leave a good impression after you speech. And while listening many lectures before your audience might be a little bit tired and not willing to hear what you want to tell them. Opening joke will gain you their attention and make you more likable. If you aren’t sure about the level of jokes you’ve prepared practise your speech with a friend – it will show you someone else reaction.

Take a course.

If the theory is not enough for you sign up for a practical course. Such presentation skills training might have a wonderful impact on you. It provides participants with the skills required to present effectively and most importantly to develop confidence which makes presenting so much easier and therefore more successful. When you combine this course with a sort of a communication training that will help you use the body language and control your gestures effects might be really amazing!

Good luck!

After three years based in England, Kwame Mainu was looking forward to returning to Ghana and settling with his wife, Comfort, in her house in Nhyiasu, the old colonial quarter of Kumasi. While working on a programme linking Kumasi University with Warwick University in England, Kwame had been forced to become involved in helping to prevent a Kumasi-based drugs cartel recruiting couriers from Ghanaian academics visiting Warwick. International collaboration in fighting the drugs trade had been thwarted by the Rawlings government’s apparent involvement. However, with the approach of the new millennium, and the completion of his two terms as president, there were good prospects of J J Rawlings standing down and a democratic election bringing to power the party once led by Kwame’s father’s hero Kofi Busia.

The new millennium offered hope of a new start in national governance which could include a radical change in attitude towards drugs trading. Kwame expected that a reformed administration would present an opportunity for negotiating an international treaty between Ghana and the UK in line with Leon’s ideas. While he supported such a move in principle, Kwame had no interest in any direct involvement and had made it clear to Leon that his aim was total retirement from the service. He had no intention of remaining a sleeping agent, or serving in any other reserve capacity. Kwame realised that he had many blessings to count and his outlook appeared rosier than at any time in the past. Wherever his mind turned he could discern only one dark menace: Peter Sarpong.

After Peter Sarpong’s early release from prison in the UK and repatriation to Ghana, Kwame had hoped that finding no compatriots left in the Kumasi cartel, Peter would settle for a quiet life in retirement, as Bra Yaw and Kofi Boateng had done. He had hoped that like Kofi Adjare, Peter would have no interest in working with the camel herders, Adjare’s name for the Lebanese directors of the Hanabis company. However, much to Kwame’s horror, Peter seemed intent on reviving the old cartel and rebuilding the Ghanaian involvement in the courier and distributive functions. He showed no aversion to continuing to work with the Hanabis directors. Even more sinister was Peter’s lust for revenge as visited upon Akos Mary for her involvement in his conviction and imprisonment. By this action Peter had shown himself to be a real and present danger.

Kwame suspected that he and his family might be in danger of violent retribution if Peter ever became aware of Kwame’s own involvement in his detection and arrest, or the imprisonment of his Uncle George, which led to Uncle George’s death in Nsawam Prison. While Kwame’s future prospects of a comfortable and fulfilling life in Ghana looked secure in almost every way, he knew that his mind could never be fully at rest as long as Peter Sarpong remained at liberty.