Archive for: May, 2023

Seven Secrets To Delivering A Presentation Without Stress Or Anxiety

May 30 2023 Published by admin under Uncategorized

Few things are more likely to induce butterflies in the stomach than the thought of public speaking.

If you have an impending presentation to make and are wondering how you will get through it, here are seven tips a seasoned workshop trainer shared with me.

Physical Preparation

Get enough rest the night before the presentation.

Pick out your outfit in advance, so that you won’t be stressing at the last minute over how you look or what to wear.

Rehearse your presentation several times – practise speaking to the walls at home or to friends – so you get used to hearing yourself speak. Notice how you articulate, work out how long your presentation takes and make adjustments until you can speak confidently without looking at your notes.

Before you go on stage, take a few deep breaths and think calming, positive thoughts.

See yourself as the confident, empowered and effective speaker that you aspire to be, and act as if you are already that person.


Speak slowly and clearly.

Logistical Preparation

If your venue is a place that is unfamiliar, make sure you have an up-to-date copy of the street directory or a GPS in your car.

Give yourself plenty of time to get there, in case of emergencies or a change in the traffic situation.

Find out the layout of the room, the number of attendees expected, what technical support is available. If bringing your own equipment, make sure you know how to use them properly.

Have a Plan B in case of technical challenges. For instance, if your PowerPoint presentation fails to load for any reason, have cue cards ready that you can speak from. Better yet, memorize your presentation and carry on as if nothing untoward has happened.


Being passionate and enthusiastic about your subject adds a persuasive force to your presentation that can be very attractive for your listeners.

Who would you rather listen to, someone who drones on and on or someone who is clearly loves the subject matter they are sharing with you and is excited just talking about it?


Here’s a great tip. For every hour that you speak on a subject, make sure you back it up with 5 hours’ worth of knowledge.

If you try to get by with the minimum amount of work, you may find yourself running out of things to say during the presentation, and adding very little real value to your listeners. Do them and yourself a service by reading widely and deeply so that you have something engaging, profound, funny or useful to contribute. No listener wants to go away feeling that they have wasted their time attending your presentation.

Manage Negative Self-Talk

It is normal and human to feel an attack of anxiety before delivering a presentation, especially in front of strangers. You may even wonder why anyone would want to come and hear you speak.

A good way to overcome this is to take the focus off yourself. Get out of your own way. Put yourself in the shoes of the listeners who have invested an hour of their time to hear you speak.

How can you make their experience positive and worthwhile?

What insights and sharing would add the most value to them and reward them for their confidence in you?

Get Feedback

Feedback is undeniably useful if you desire excellence, because it gives you immediate and concrete information on how and where you can improve.

For instance, you could rehearse your presentation in front of a group of trusted friends, ask for feedback, and integrate the comments and suggestions into your next presentation. Because you have had the benefit of going through the presentation in front of others and your delivery and content are much better than they were, you may find the actual presentation much more relaxing and enjoyable.

It’s okay to admit you don’t know

One of the commonest fears of public speakers is being asked questions they can’t answer.

If a listener asks a question that you don’t know the answer to, what should you do?

It may surprise you to know that most people are understanding and generous and will accept an “I don’t know”. After all, no one can be expected to know everything.

However, if you want to be remembered as the speaker who did more than others, consider how you can turn an “I don’t know” to your advantage.

Can you offer to find out the solution and let your audience know what you discovered? For instance, you might post the answer to your website or to a forum that your listeners frequent. Or you might ask for your attendees’ details and send out an email.

Little details like this are what make you memorable and outstanding as a public speaker and differentiate you from someone else who does only the minimum.

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Beautiful Presentations, the Golden Rules

May 29 2023 Published by admin under Uncategorized

Everything and everyone is going digital. There is no denying it. The speed, the outreach potential, and the relative low cost of the digital medium is absolutely unparalleled compared to print. However, there are certain aspects of print presentation that just can not be replicated with digital, not just yet anyways. Let me count the ways. A well-designed print presentation is physically pleasurable. The print piece may contain beautiful textures and smells that allows for sensual engagement with the presentation. A well-designed print presentation allows for easy portability, navigation, marking, and book marking. Those ease-of-use qualities when translated to the digital realm still don’t have the fluidity of movement afforded by its print counterpart. Now that I have listed a few advantages of print over digital, here are a few tips I have gathered over the years to make successful print presentations.

Two Golden Rules to Live By

1. When you are designing for print, make sure you are designing for print. This is the single biggest mistake I have seen people make time after time again that really ruins the quality of their print presentation. How many times have I seen people make presentations that attempts to fulfill projector needs as well as print needs, and in the end make monstrous amalgamates that have either too many bullet points when projected, or screaming texts when printed? Realize that when you are designing for print, you are designing for a document to be read approximately within 18 inches away from your eyes. Thus the scale has to be appropriate for close reading.

2. As is true for everything else in life, simplicity is the key to success, especially when applied to making captivating presentations. It’s often the subtle details that lend itself to cohesiveness, that ultimately wins people over with its unified vision.

Essential Guidelines to Follow

Font: Choosing a font family can drastically influence the look and feel of your entire piece. Realize that when choosing type, listen to the inner content, and the subject matter of the content will help you in choosing a speaking voice.

Layout: Choose a grid, and stick to a grid. Realize that the grid is what gives your document structure, both visually as well as content wise. A grid is what allows readers to quickly understand the relevance and the importance of information. However at the same time, know how to, and when to break the grid, in order to incite excitement, build drama, and create rhythm throughout the print piece.

Binding: The binding is what gives the printed piece functionality. It’s what allows the book to become an interactive object. Can you imagine the embarrassment and the annoyance of flipping through a presentation that won’t hold together, or won’t stay put? Nothing turns your reader away from a presentation faster than the inability to operate the mechanism. I personally love wire bindings, because they are very inexpensive, durable, non-intrusive, allow pages to turn smoothly, and very fast to produce.

Cover: A book, sometimes is just as good as its cover. People do indeed, judge a book by its cover. Thus my advice for making a great print presentation would be to make such a spectacular cover, people will stay impressed throughout the rest. A great cover needs protection most of all. Imagine how disappointing it would be to have your cover ruined by unsightly stains? I recommend laminating the presentation cover with thin protective sheets in order to preserve the presentation.

Image: A good image is worth 1,000 words, and a few good ones are hard to come by. Understand that sometimes consistent imageries, both in terms of look & feel as well as content-wise, are hard to obtain. Use images sparingly, and strategically. Too many images of diverseness is easy to be an over-kill, and can ruin the coherence of the print piece.

Paper: The weight, texture, sheen, and slight gradation is what gives the presentation class, or crass. It may not seem much, but appropriately chosen paper can really add personality to the presentation. I recommend going to your local papery to get a sense of all the available options.

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Sales Training: Three Principles for Giving Effective Presentations

May 28 2023 Published by admin under Uncategorized

Do your presentations at sales training events engage, inspire and inform or just put the audience asleep?

Presentations during sales training events are usually designed to educate or inform salespeople. Although the content is important it’s your delivery that makes the difference. If you want your presentations to enhance the content and not detract from it , keep them clear, concise, and geared to two-way communication. Your presentations will be more effective if you keep in mind the following principles:

Principle #1: Effective presentations motivate people to listen.

Every speaker has to overcome barriers to listening that are due to the following:

  • People think about four times faster than they speak
  • Attention spans are relatively short when people are only listening
  • People are more attentive to emotion than to logic
  • People listen to what they like or want to hear
  • Dull presentations are easily ignored
  • People often have difficulty discriminating between essential and nonessential information

If people aren’t motivated to listen they won’t learn. The listening and therefore learn happens when people believe what’s presented will benefit them in some way. A presentation that focuses on understanding through participation, relevancy and mutual respect usually provides the most successful atmosphere for learning. For example, if you can show your salespeople how to apply what you present on the job, they will be more interested in learning.

Principle #2: Effective presentations consist of proper language delivered clearly. Just as punctuation modifies the written word, the use of inflection modifies the spoken word. The rate and intensity with which you speak and your variations in pitch give much meaning to what you say.


  • Consistently audible tone of voice
  • Energy and enthusiasm
  • Simple, unpretentious language
  • Language right for the occasion and to salespeople
  • A variety of words to describe ideal and concepts that occur frequently


  • Inadequate or excessive volume
  • An unenthusiastic style
  • Buzz word, jargon, and overly formal terms
  • The same terms and words all the time, or a monotonous pattern of speech
  • Very slow or very fast rates of speech

Principle #3: Effective presentations use good platform skills. The following delivery techniques will increase the effectiveness of your presentation:

  • Facial Expressions. You can communicate enthusiasm and interest in your subject by using facial expressions to show your own interest and to emphasize points.
  • Posture. You convey your attitude toward your message through your posture as well as your facial expressions. Poor posture, such as slouching over a flip chart, detract from your professional appearance and imply a lack of interest on your part.
  • Movement. Some movement in front of your listeners is desirable; it keeps their attention on you and helps pace the presentation. However, too much movement or movement at to brisk a pace is distracting and makes you seem hurried. A way to compromise is to walk among the group as you speak so that you keep them involved and add your personal contact.
  • Hand Gestures. Hand gestures, like facial expressions, punctuate a message and add interest. However, if your hands are in continuous motion, they will detract from the message. Try placing your hands in your pockets, gesturing to make a point, and standing with your hands in front or back of you can all be used effectively when making your presentation.
  • Eye Contact. Eye contact is a powerful tool for focusing your message and encouraging involvement from the group. If people ask you a question, focus on the person as you begin to respond, then turn your glance to the entire group or begin focusing on other people to bring them into the discussion and show you want to include them. A common mistake is to look at only a few salespeople during a presentation. Doing this for long periods of time excludes others and may make you seem less interested in them.
  • Confidence. People are more likely to believe a speaker who is forceful or confident in delivering his or her message than one who stammers or hesitate when speaking. You show confidence when your delivery is smooth, poised and evenly paced.

Keep these three principles in mind when preparing your next presentation. Using what we covered will make your presentations more engaging, relevant and well received.

For more information on how to improve your sales training skills go to:

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5 Reasons To Use PowerPoint Templates For Corporate Presentations

May 27 2023 Published by admin under Uncategorized

How will using templates help you in your corporate presentations?


PowerPoint Presentations have permeated the business world so much that we equate any presentation to a PowerPoint Presentation. It has become an essential skill. Not knowing how to work with PowerPoint cripples you. In fact, it is like being considered the illiterate in the corporate circle. Its popularity has also ensured that resources are readily available – be it in terms of templates or professional offering services for it.


Most templates provide preconfigured slides for charts, diagrams, and display of other raw data or even video and audio content. Plain text may not hold so much of an appeal for your audience. At the same time, using excess of animation and graphics can take the focus away from your actual content. This is a common pitfall of many presenters – that in their bid to showcase their skills, they overdo it. Engage the audience but don’t let the focus slip.

Visual and animated representations provide more clarity to the concept you’re discussing. For example: If you have a schematic diagram of some process, there will lots of arrows pointing everywhere. Unless you incorporate texts to describe the flow, it can become confusing for the audience. So, why not use animation to clearly depict the follow. You can use a combination of motion path animation and custom shows to do this.

Again, when you deal with report, there are many complex data analysis that may not fit in its entirety on a slide. Their representation can be shown by linking it through MS Excel, MS Word, etc.


Simplify your work. With preconfigured templates, adding graphics and charts becomes much simpler. Just point, click and edit the data. Chart representation format and style using the “Design” tab.

For example:

Let’s suppose you have conducted a survey on how comfortable professionals are using PowerPoint Presentations. Out of the total respondents, 10% didn’t know how to work with PowerPoint Presentations, 35% were still learning to use it, 25% could work with it and 20% were proficient while the remaining 10% were experts working with PowerPoint Presentations.

You could display this information as bullets points too. But using graphical representation as shown in the figure creates better impact and lends more clarity to your data. Moreover, it’s preconfigured into the template making it just a matter of entering the data. 


The attention span of a person is very short. You can hold someone attention without lapse for a maximum of 15 – 20 minutes. You’ve got to capture the attention of your audience and then keep them on track and focussed. Now, a whole lot of text or description isn’t going to hold their interest.

People like to know, “What’s the point you’re getting at?”

Presentation of information needs to be succinct and cater to their interest. So, how does using templates help you? The templates, especially those available at our online store, have been designed to address this need. Text block and image placers have been placed with a view to optimizing space usage and avoid information cramming. 


 ”Great Presentation!” A “Pat on the back” or clinching a “good business deal”. That’s what carefully planned presentations can do for you.

Some people believe PowerPoint Presentations are overrated. But the fact is, in today’s business world you just can’t do without them. With hordes of bad presentations that leave the audience confused and jumping from slide to slide for information, you can be different. Remember also to back up your presentation with hard facts and knowledge of what you’re presenting to your audience.

Good presentations speak of your professional caliber and skills. Make your mark; make your presentation stand out. Once your PowerPoint skills are proven and delivered, you will be in high demand among your colleagues and business circle.

Work smart; use PowerPoint templates for your corporate presentations.

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Investor Presentation

May 27 2023 Published by admin under Uncategorized

Key topics to cover in an investor presentation:

1. Company introduction: Venture Capital and Private Equity funds don’t invest in companies or technologies – they invest in people. That means you! Therefore the initial section of the investment presentation must present to the prospective investors that you and your team can execute the plan – present your experience and expertise and what makes you a great team.

2. Mission statement: Start-up’s should use one sentence to state their goal. Don’t be afraid to be bold – you are expected to, but keep it short and avoid generalized statements. More mature companies, company presentations to private equity funds, should include a short description of the company’s business and positioning.

3. Pain and value proposition: whether it is a technological edge, a strong client base or amazing manufacturing power – both start-ups and mature companies should state their value proposition in a clear (preferably visual) manner. Very often (particularly in the event of a startup) it is recommended to introduce the value proposition slide with a preliminary slide describing the specific market failure you address.

4. The product/solution/service: investor presentations should include 2-3 slides describing your specific offering. When presenting technological solutions, it is important to consider the technical aptitude of the audience ahead of time – investment presentation delivered to financial oriented audience should cover your relative advantages, but shouldn’t be too specific on technical subjects

5. The market and competition: describe your market and competitors honestly in 2-5 slides. Do not try to underplay your competition, investors see many venture capital presentations and may have met with your competition… In mature companies, investment presentations may contain references to the company’s status in the form of a Porter 5 forces model analysis.

6. Business Model: a venture capital presentation delivered by a start up company needs to convince that the company has a solid business model that will empower actual gains.

7. Case study/Client base: a VC presentation can be empowered by actual proof of concept in a form of an actual client or (preferably in many cases) a canned demo. In an investor presentation aimed at raising funds from private equity, a description of current client base is important, as it is typically the major asset the company holds.

8. SWAT analysis (Strength, Weaknesses, Opportunities and Threats): this slide is important in mature company’s analysis. Nevertheless, it can also be useful in certain VC presentation cases

9. Financials: the message delivered in this section changes from private equity and venture capital presentation. In the case of a start-up, the company should prove that it can gain significant cash flow from its activity. Mature companies need to provide further information beyond future cash flow analysis, as this information is needed for the company valuation. This additional information can include balance analysis, changes in working capital etc.

10. Summary: provide one slide describing your offering. Remember to emphasize the top key issues you want investors to remember from your venture capital presentation

10 Top Rules to Simplify Your Message to Investment Firms

1. Do your homework – Need to prepare ahead of time and learn as much as you can about the prospective investors, their background, focus areas any particular interest areas, etc’ Any such information could come in handy during the investment presentation

2. Less is more I – limit the number of slides in your investor presentation. 12 is the “golden number”, but certain venture capital presentations may be as long as 20 slides (depending on the length of time available and content in each slide). This number doesn’t include a full set of alternative backup slides that you would use to address any specific Q&A during your investment presentation.

3. Less is more II – Each slide should contain one, clear point

4. Start with the big picture – Avoid being bogged down in details at the beginning of your investor presentation.

5. Avoid jargon and technical terminology that might not be clear to your entire audience

6. Use graphics – A picture is worth a thousand words. Graphics are especially important in conveying new ideas and concepts

7. Make sure your graphics are clear and relevant. Overwhelming graphics may distract the listener from the main idea and unclear graphics with long learning curve may leave your investor baffled.

8. Less is more III – Avoid wordy slides and small fonts. Initial investor presentations should deliver a clear and simplified message. Say what you came to say, don’t make your investor read it.

9. Spare them the details – it is a venture capital presentation, not a white paper!

10. Use “bottom line” conclusions on your slides

11. Make a clear distinction between investor presentation to be delivered to an audience and handouts. The handout can be longer and contain more details in each slide but the venture capital presentation should focus on your bottom line only.

Key Guidelines for the Successful Delivery of an Investment Presentation BE YOURSELF! The key to delivering your message effectively is being as open and natural as you can be. Your message will be assimilated best if you fill free. So don’t have to bother worrying about how representative you are.

Having said that, here are some useful tips that might help your oral investor presentation but remember – use them wisely! Don’t impose gestures on yourself if you feel it is unnatural for you!

1. Delivering the message: a. Use your own words to give relevance to the content on each slide. Don’t read from the slides – it will bore your audience and they can read for themselves. b. Graphics will only last you that long – don’t overuse it and avoid staying on a graphical slide for too long. c. Do not move forward in your slides if you are still discussing the previous one. Doing so will distract your listeners. d. Know the message you intend to deliver in each slide – don’t drift off the subject e. Avoid telling jokes unless they are completely tied to the subject area

2. Eye contact: a. Individualization: create a personal atmosphere by personally approaching each attendee b. Avoid talking to one person most of the time. This frequent mistake may cause you to lose your audience! Make sure you connect to the audience c. Avoid looking at the screen for more than a quick glance d. Establish eye contact with each attendee before you approach him/her e. Pause after you deliver your idea. Use silence as a tool to create confidence and credibility. Pausing will also allow your listeners time to digest the data you’ve just delivered f. Observe your audience reaction at all time – use it to detect and avoid confusion

3. Posture and Gesturing: a. Let your arms fall naturally to your sides and avoid bent elbows b. Balance your weight on both legs and avoid shifting from side to side c. Don’t hide your hands – use them to assist in delivering your ideas d. Avoid clasped hands

4. Movement: a. Keep your movement random, but remember to use it for a purpose (to illustrate an idea on the screen, to a person etc.) b. As you walk avoid looking at the floor c. In you move towards someone, make sure that you created eye contact before you start moving.

5. Vocal Power: a. Vary your rate of speech and alternate between fast and slow pace b. Don’t speak to yourself – make sure you are loud enough to be heard by the entire room c. Try not to mumble during your venture capital presentation.

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Debt Negotiation – Tips For Negotiating A Better Deal On Debt Reduction

May 23 2023 Published by admin under Uncategorized

Debt negotiation can be conducted in two ways. Debt negotiation can be conducted by yourself or you can hire a professional and legitimate liability negotiation firm. These tips will aid you in negotiating on your own:

Firstly you have to make sure that the creditors are completely aware of your intensions. Go to your lender and talk to him and tell him that if you weren’t allowed use liability settlement method then you will file insolvency and you have no other option available. If your creditor knows of your intention; he will never discourage you from practicing this technique because if you file for insolvency the lending firm will face a huge loss. Secondly you should have the ability to negotiate and gain a huge discount on the total amount of money you originally accrue. You skills of bargaining should be comparable with a lawyer’s skills of bargaining.

One should be aware of the fact that one can easily earn a huge discount without the aid of a settlement and bargaining service offering company. This is because the lenders do not suffer losses by allowing their clients to practice this technique. Half of the amount is compensated to them by the public and the remaining half is rewarded to them by the government as the government has announced in the plan of bailout.

If you believe that your techniques of tackling your lender and gaining a huge amount of discount are not enough then you should provide full consideration to hiring a professional and legitimate debt negotiation service provider. The advantage of hiring this firm is that; the firm has the right amount of skills and knowledge to tackle the creditors. The firm hires good lawyers who conduct the bargaining process. These lawyers are well aware about the issues with the laws of finance and they exploit these laws to provide advantage to their clients. They can not only get you a discount on the money you are responsible to pay back; they will even get you discounts on the rate of interest charged on the remaining liability total and they will even get you as much extension in time period for repayment as possible.

Locating and then purchasing services from a legitimate liability negotiation service provider has become very easy due to the changes in the rules of liability negotiation industry. A consumer should now concentrate on hiring the best firm in the business.

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Learn How Your Ego Will Make You Fail When Negotiating Your Salary

May 22 2023 Published by admin under Uncategorized

The employee or job seeker negotiating his salary often makes the most basic mistakes that almost all inexperienced negotiators make: they think only about themselves and their own interests when negotiating the salary. This strategy is a certain route to failure. The employee or job seeker must do the opposite, i.e. focus more on the employer than on himself.

The employee or job seeker must look upon himself as the president of his own corporation, where the service sold is the labor of the salary negotiator. Adopting this view means to force oneself to apply the commercial thinking of any commercial leader.

What is a company doing? What is the main business of any company? Many would answer: a company is selling a product or a service. This is wrong! The company is satisfying the needs of the customers. It is because there are needs – and not products – that there are markets. The product is of secondary importance. The product only serves to satisfy the identified needs. It is when the company is good at satisfying needs that it can charge a high price for the product.

Let’s translate this basic commercial thinking to the “corporation” of the salary negotiator. What this corporation is doing is to satisfy the needs of the employer. The solution or product offered to satisfy this need is the labor of the salary negotiator.

In order to make the solution – i.e. the labor – as attractive as possible, the salary negotiator must seriously analyze the interests of the employer. The salary negotiator must all the time – both during the preparations and during the salary negotiation – take the perspective of the employer and look upon himself from the employer’s point of view. It is when the salary negotiator can present himself as the answer to the needs of the employer that he can start claiming a really high salary.

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Are You Losing Money Because You Make These Negotiating Mistakes?

May 21 2023 Published by admin under Uncategorized

Most sales people are required to negotiate with their prospects and customers. But let’s face it, today’s consumer and corporate buyer is much more aggressive when negotiating the terms of a sale. Unfortunately, many sales people lack the same level of sophistication when negotiating with savvy purchasers. Here are sixteen fatal mistakes that many sales people make when they negotiate.

1. Believing that price is the primary reason why people make a buying decision. Although price is a factor in every sale, it is seldom the motivating factor behind a person’s final decision.

2. Not asking enough high-value questions. I’m still amazed how few sales people take the time to ask great questions during the sales process. This makes it more difficult for them to effectively position their offering.

3. Not gathering the RIGHT information. While it is essential to ask questions, it is equally important to ask the right questions so you can negotiate more effectively.

4. Trying to rush the negotiating process. Effective negotiators have the patience of Job. They can wait out delays and they never show anxiety when the process doesn’t move as quickly as they would like it to.

5. Failing to establish the value of their product, service or solution. Value is in the eyes of the beholder so determine what is important to each buyer or customer and position your product or service accordingly.

6. Allowing their ego to get in the way. Negotiating is part of business but I have seen people walk away from a good deal because their ego got in the way and clouded their judgment.

7. Fear of losing the sale. Remember, there will always be someone else to sell to. This fear is more prominent when a sales person’s pipeline is running on empty so avoid it by constantly adding new prospects to your pipeline.

8. Immediately offering a discount to close the deal. Remember, price is seldom the primary reason people make buying decision. Avoid the temptation to drop your price unless you have first considered other options.

9. Neglecting to negotiate with limited authority. Don’t hesitate to tell a prospect that you need to check with your boss before you agree to a concession. This gives you wiggle room and allows you to appear that you are working on behalf of your customer.

10. Lack of confidence. This is usually a result of lack of negotiating skills which is why it is important to practise negotiating as often as possible. It can also be caused when negotiating with someone who is perceived to have more power than you.

11. Believing that the buyer or customer has all the power. While I accept the fact that buyers have more leverage in today’s business climate, it is essential to realize that you can walk away from a deal if the other person get too aggressive or makes unrealistic demands.

12. Unable to walk away. Too many sales people find themselves in the position of accepting an offer only to discover later that the deal actually cost them money. If the sale doesn’t make good business sense be prepared to walk away from it, regardless of the time you have invested.

13. Making concessions too quickly. When you make people wait before you concede to something, you increase the value of that concession and you subconsciously tell them that if they keep asking for concessions, the negotiating process will take longer.

14. Failing to get a different perspective. I often talk to my business partner before making a final negotiating decision. This gives me a different perspective, and often, new ideas and strategies. Use your time out to review the deal with someone who is not attached to the outcome.

15. Negotiating with the wrong person or people. If you’re not talking to someone who can make a final buying decision then you are dealing with the wrong person.

16. Talking too much. I have watched dozens of sales people negotiate with themselves because they talked too much. The best negotiators listen more than they talk.

There you have it. Sixteen fatal mistakes, blunders and gaffes that sales people make when they negotiate. Avoid these errors and you will improve your results, increase your top line sales and your bottom line profits.

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Debt Negotiation Settlement

May 20 2023 Published by admin under Uncategorized

When you realize that you have a debt issue, you have several options: do nothing and wait for the debts to take over, create a personal budget to try and reorganize your finances, seek professional credit counseling, get professional debt consolidation help, go for debt negotiation settlement help from a specialized company and receive the best deals from your creditors thanks to the negotiation process from the professional team of counselors or file for bankruptcy. The latter should always be considered as the last alternative because of the consequences it brings.

- Is debt negotiation settlement the best option? -

Debt negotiation settlement has its advantages and disadvantages. Nevertheless, debt negotiation settlement has one main goal in common with the other debt processes: free the consumer from debt.
Remember, it is very important to understand completely how every step of the process works in order to know which one to apply to.

In debt negotiation settlement, negotiations take place with the creditors. A debt negotiation settlement company’s main goal is to convince the creditors to give up a share of the money owed by the consumer and reduce the total amount of debt in order to lighten up the client’s current situation.

- How does the debt negotiation settlement process work? -

After a client applies for the debt negotiation settlement program, the counselors gather up all the information from the current debts, such as creditors names, balance owed from each account, secured and unsecured debts, along with other private information. Then, a counselor from the debt negotiation settlement team contacts each creditor to request a reduction. Occasionally, creditors take these types of offers into consideration because sometimes it is more expensive and time consuming to recover the rest of the money than settle. It is worth it to stick to what the consumer offers in order to settle the account.

Besides, creditors take into consideration that the debtor has applied for a debt negotiation settlement program, and that means that a settlement will be reached no matter what. Creditors prefer to work out with professional counselors than deal with clients.

- Negative effects of debt negotiation settlement programs -

Credit score: It will be reduced during the process of the debt negotiation settlement program. Creditors only deal with delinquent accounts, so reducing your credit score is almost a needed status in order to start renegotiating with creditors. After you stop making your payments to the creditors, you will be rated delinquent; then, creditors will look your case over when you apply for debt negotiation settlement.

Tax liability: debt negotiation settlement can result in a tax liability when the time to file your incoming taxes comes. Creditors by law have to report all forgiven debts that exceed $600 to the IRS. You will need to speak with a tax expert because sometimes you get rated as “insolvent” after applying for debt negotiation settlement. If that was the case, you will not be liable for anything.

Enough funds: people need to make sure to have enough funds to complete the debt negotiation settlement program in the scheduled time. Otherwise the agreement will be nulled.

- Positive effects of debt negotiation settlement programs -

Debt free in a short period of time: unlike debt consolidation, debt negotiation settlement can be successfully achieved in a matter of months. One of the most important things about debt negotiation settlement is that the monthly installments are set up in a way that can be accomplished without choking the debtor. The person will be able to keep a constant payment throughout the whole process.

Developed credit score: once you finish the debt negotiation settlement program, your credit score will automatically pick up and you will appear with zero delinquent accounts, and that will rate you pretty well, even better than before.

Avoiding debt: thanks to the debt negotiation settlement program, people also learn how to avoid future debt occurrence. They will never go through this again. People have told us that the program has improved their way of using their credit cards and taking on loans.

Just as with most decisions you are faced with, the solution to your financial problems has many factors to be addressed and considered – both positive and negative. In the end, it is important to base your decision on your own personal needs and abilities.

We have different articles on interesting topics and current and former clients’ experiences with our programs. Take a look at the different situations on Debt Negotiation Settlement and debt related topics that people can fall into and how to keep yourself a debt free person.

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Everything is Negotiable – Including Sex – Learn to Do it Well

May 19 2023 Published by admin under Uncategorized

It is usually assumed that those who possess the greatest talent, dedication and education are the ones who achieve the rewards in life. Life can disillusion those who hold that belief. The ‘winners’ are usually people who are not only competent, but also are willing to negotiate what they want. Negotiation, however, is not theirs alone. An increased awareness of what negotiation is and how to use it to get what you want will help put you in the ‘winner’ category.

Negotiation is an integral part of our lives. It occurs between neighbors, associates, friends, in-laws, and lovers. You probably have negotiated for such items as an increase in salary, more office space, time off work, transfer, time alone, or the price of your home and car. You negotiate nearly everything you do in life. Therefore, learn to do it well. Learn to be an effective negotiator and enhance the quality of your life and relationships–on and off the job.

In the broadest sense, we all want the same things (albeit in different degrees): prestige, freedom, money, justice, status, love, security, and recognition. Identifying or knowing what one wants is critical. Identifying what the other person wants allows for the beginning of a successful negotiation.

Negotiation can be considered a science in that it is a field of knowledge and endeavor. It focuses on the reconciliation of two or more sets of individual needs to the mutual benefit of the collaborators. Negotiation in the simplest form is the use of information (knowledge) and power (endeavor) to affect behavior within a certain framework.

When we engage in negotiation, two things are being bargained for: the issues and demands which we state openly; and our real needs, which are rarely verbalized. If you establish a reasonable guess about what the other person’s needs are, you can predict, with remarkable certainty, what will transpire in any interaction.

Negotiation focuses on the reconciliation of two or more sets of individual needs to the mutual benefit of the collaborators. Three crucial elements are present in negotiation: information (knowledge), power (endeavor), and time. Misconceptions about the balance of ownership of these elements are, often the reason people fail either to initiate or conclude a negotiation. The misconceptions are manifested as perceptions of an imbalance of the elements. For example:

Information: It is perceived that the other side knows more about you and your needs than you know about them and their needs. The questions which need to be resolved are: What do they need? What am I willing to give to get what I need?

Power: It is perceived that the other side has more power and authority than you have. The questions which need to be resolved are: Do I have the skills to negotiate successfully? (In other words, can I get what I want from others?) Do I deserve to get what I want?

Time: It is perceived that the other side is not under the same kind of organizational pressure, time constraints and restrictive deadline you perceive you are under. Avoid setting up your request with the approach, “I want what I want when I want it.” This instills a desire on your part to push for agreement prematurely, thus alienating the other person.

These misconceptions become obstacles to productive negotiation. You need to fully understand these three elements and analyze the impact they will have on each negotiation prior to beginning the process.
There are three approaches to a negotiation:

METHOD I – I Win, You Lose (Win/Lose)

Advantages to this method are:

I get what I want when I want it

I experience a sense of power and control

I avoid making compromises

I get immediate gratification

Disadvantages to this method are:

Social isolation (alienating others)

A decreased tolerance for frustration

I get what I want at the expense of others

Individuals learn to use abusive behavior to get what they want

There is no guarantee individuals will follow through

METHOD II – I Lose, You Win (Lose/Win)

Advantages of this method are:

You get what you want when you want it

You experience a sense of power and control

You avoid making compromises

You get immediate gratification

Disadvantages of this method are:

Social isolation (alienating others)

A decreased tolerance for frustration

You get what you want at the expense of others

Individuals learn to use abusive behavior to get what they want

There is no guarantee individuals will follow through

METHOD III – I Win, You Win (Win/Win)

Advantages of this method are:

You get what you want

I get what I want

The solution is a collaborative effort

I maintain respect and integrity – You maintain respect and integrity

We both save time

We keep lines of communication open

We each know the needs of the other

Appropriate behavior is demonstrated and reinforced

Disadvantages of this method are:

I seem weak

It takes time to work through the process when someone is not accustomed to win/win negotiating

The individuals may agree to a proposed solution, but not follow through

Despite these disadvantages, Method III provides an avenue for a collaborative conclusion and therefore is the method recommended for all your negotiations.

There are six steps to win/win negotiation:

1. Identifying and Defining What is Wanted
This is the critical phase when the person initiating the negotiation needs to get the other person(s) involved. Get their attention and then secure their willingness to enter into problem solving.

2. Generating Possible Solutions
In this phase, the key is to generate a variety of solutions. Encourage each individual to generate at least one solution.

3. Evaluating the Alternative Solutions
Now it is time to evaluate the various solutions. Generally the solutions are narrowed to two or three that seem best by eliminating those that are not acceptable to either the initiator of the negotiation or the other person(s).

4. Agree on the Best Solution
Once the solutions have been narrowed down to two, the step of finding a final solution will be easier than most people think. When Steps 1 through 3 have been followed and the exchange of ideas and reactions have been open, honest and direct, most people will be willing to accept either solution. Pros and cons can be listed for each solution and the solution with the least cons accepted.

5. Implementing the Decision
After a decision is reached, there is frequently a need to spell out in some detail exactly how the decision will be implemented. All participants need to address themselves to ‘Who will do what, by when? In a business environment, it is also suggested that notes be kept about commitments to insure adherence, particularly if implementation is delayed.

6. Following Up With an Evaluation
Not all initial decisions in the win/win method turn out to be good ones. Consequently, the initiator of the negotiation needs to check back with the others to ask them if they are still happy with the decision.

If you have something difficult to negotiate–an emotional issue or a concrete item that can be stated numerically, such as price, interest rate, or salary–deal with it at the end of a negotiation, after the other person has made a substantial expenditure of energy and time. There is a direct ratio between the extent of investment and one’s willingness to create a win/win negotiation.

People are usually most eager to negotiate when they perceive that you can help them or when they want to avoid something undesirable. In an adversary relationship (seller and buyer, interviewer and interviewee, contractual negotiation, etc.) if you think I might help or hurt you, it is important that your perception remains until I get something, such as a concession on your part that truly benefits the negotiation or our relationship.

In an adversarial relationship, Steps 2 and 3 are done prior to the initiation of the negotiation. It is important to take into consideration the possible needs of the other(s) so as to generate as many acceptable alternatives as possible. In an adversarial relationship, once the negotiation is ended, Step 6 is seldom needed because the conclusion is usually acted on by immediate transaction or contractual commitment.

As in learning any new skill, you need to develop the self-assurance that you are capable of performing the task. Since negotiation is a complex and highly skilled endeavor, it is suggested that you begin by practicing a segment until you feel comfortable. Begin by eliminating your misconceptions and replacing them with the concepts of a win/win negotiation. Then practice the steps of negotiation on a simple issue with someone you respect. The more you practice, the easier it will become. Soon you can begin negotiating more complex issues and then move on to negotiating with adversaries.

Remember, negotiation is an art; therefore, it is achievable through practice and endeavor. Once you learn it, you too will be a winner.

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