Well-Orchestrated Christmas Presents For Your Boyfriend

Each year, boys are thinking over what types of Christmas presents to send to their girlfriends. On the other hand, what presents that girls should give to their boyfriends? Regrettably, Girls seldom think of it. But love is a mutual relationship, and in addition to receive love, girls should also think of showing love to their boyfriends. So it is time to pick out one memorable Christmas gift for your boyfriends.

Third:Links of London

Today, jewels are not only the best friends for girls, but the boys are also fond of Links of London. The glamour of Links of London is so hard to resist. A pair of lovers’ necklaces, mobile ornaments or rings is an excellent idea on Christmas day. The boy wearing a necklace of the same style with the girl’s is the best declaration of the two persons’ intimate relation. The delicate and unique design of Links of London jewelry makes Christmas gifts more memorable. I’m afraid that your boyfriend will surely cherish it.

Second: NBA jersey

As we know, the majority of boys are infatuated with NBA. They further own their favourite team. So it is wonderful to present him a personalized NBA jersey especially with the autographs of their favourite NBA player, isn’t it?

First: iPhone

Boys are never tired of electronic products. With the fast speed of upgrading of electronic products, they always have a desire for the latest ones. iPhone is a good choice. And you can also share it with your boyfriend to use the same style of iPhone. Such a behavior will greatly increase the closeness between lovers.

Debt Negotiations

Are you worried as to how you’re ever going to pay off your credit card debt? Well stay with me, were going to do some scenarios showing you the problems with credit card debt and the solutions that you have available to you. We’re also going to talk about how you can possibly negotiate your own credit card debt, saving yourself thousands and thousands of dollars. First of all, let’s talk about the problem itself. Let’s suppose you owe $30K in credit card debt. If you owe $30K and your average interest rate is 18%, according to bankrate.com, your minimum payment would be $750, and it would take you 37.5 years to pay this back. You would be charged $44,416.00 in interest and that’s on top of the 30K that you borrowed. Your grand total would add up to $74,416.00. You can see why so many Americans are in financial trouble.

Now let’s talk about your options. With debt negotiations you may be able to save yourself thousands of dollars of interest and payments. Let’s assume that you are current. Debt negotiations don’t necessarily mean that you will always settle the debt. The first debt negotiations would be getting your creditors to lower your interest rates with more favorable terms. Again this could possibly cut your payment in half and if you’re able to add additional monies to the payment you could be paying the debt off a lot sooner. However, if you are having a hard time paying your debt, or you’re behind with your credit cards, it is possible that you can have the debt compromised altogether. Let’s assume that you have that $30K in credit card debt again. It is very possible that you can negotiate with your creditors and get them to settle for 25 cents on the dollar. That would mean that you would be paying off $30K in credit card debt for $7500. 00! Now again let’s go back to the original 18% rate. Remember, you were going to be paying $44,416 in just interest. Now, using the power of negotiation, you’re actually paying the debt of at $7500.00. Now, keep in mind that there is a drawback to this which is, it will impair your credit. But if you’re already behind on your credit cards, chances are your credit is already impaired. Not to mention, you can see what kind of problems there are when you are in debt.

It’s a lot better to live within your means and keep yourself out of debt altogether. Think about America right now. The United States may not be able to pay its own debt. That is not good. But let’s go back to the scenarios of what you can do for yourself. Let’s suppose that you hire a debt negotiator. A debt negotiator typically charges 15% of the total debt owed. So going back to the $30K of debt owed, @ 15% their fee would be $4,500.00. The $7500.00 that they would settle the debt for, along with the fee, would have you paying $12,000.00 to pay the debt and the negotiator. That is certainly better than paying $44,416.00 in interest or $74, 416.00 over time. It’s also better than simply paying off the $30K. But, what if you were able to do this yourself? What if you were able to negotiate with your creditors and get them to reduce?

Credit counseling centers only reduce interest rates and late and/or over limit fees. They also charge anywhere between $35 to $45, sometimes even $50 per month. This could add up to over $500.00 per year. Remember they can’t reduce the balances, only interest and fees.

How would you negotiate the debt yourself? After all debt negotiators are trained professionals who know what to say, and when to say it. They are also trained to know the other side, the creditor’s side. But, what if you were trained? What if you were trained to be a debt negotiator yourself… able to handle your own situation, no longer in fear of creditors? What if you were taught techniques where you could actually settle your debt through the mail? All of these techniques are taught through The Debt Negotiating Academy.

Negotiation: Agreement

If you are negotiating a buyer/vendor agreement with a familiar partner, business can still be concluded with a handshake. Most likely, however, a contract or written agreement is the gold standard, because finances, deposits, guarantees, etc. are involved. The path to an agreement requires preparation, a top-notch presentation and discussion of the details.

The other side may request certain revisions and/or concessions. Evaluate the net effect of such changes: What real impact will they have? Are they asking too much? Is the request feasible? All too often we take a dissenting response in negotiations too personally. Depersonalize it. Look at the proposal in a purely objective manner and accept it, re-submit it, or refuse it. Consider your next step, and be prepared to proceed accordingly if you are unable to modify your stance.

The vendor may also totally refuse your proposal or requests. A good negotiating partner with an opposing view should simultaneously offer an alternative, but this does not always happen. Your next step should be somewhat strong, but well prepared. Ask why your request is being denied. If that answer is reasonable, sit down and discuss the process that led to the decision. Look for key elements that you can work with that might open doors to a positive conclusion.

If the response to your “why?” is close-ended, sometimes it is best not to waste any more time on further discussion. If other sources are available, move on. Be sure the other party is made aware that these actions will cause you to reassess your long-term relationship, but be professional and don’t dwell on it.

If this happened to be the sole supplier of what you require (which is somewhat rare), and you can’t do business on your terms, you may have to do business on their terms. This is usually workable, although not always desirable.

It is possible that the negative decision was made by someone higher in the organization than your negotiating partner. If it has been effective in the past to talk directly with the decision maker in this organization, suggest that diplomatically.

When negotiating for anything, whether you are looking for seats, fares, rooms or override, always remember to keep in mind the needs of the other party. This will show in your presentation and will be acknowledged and appreciated, thus producing a more desirable result. Develop a rapport with your negotiating partner, but never try to leverage a “favor owed.”

Do not undersell the value of your service. Offering large scale rebates in preliminary and secondary negotiations can, in fact, reduce the credibility of your offering, raising questions in the prospect’s mind about your ability to work on such a small margin. Carefully analyze your financial capabilities. Do not make unrealistic commitments. Negotiate in good faith. Keep mutual goals, mutual successes, and economics in mind both in your written and verbal negotiation presentations. Your ability to negotiate well and fairly should become as developed as the other principles of success that have enabled you to be where you are – and grow where you want to go.