Debt Negotiation – Should You Rather Go For Professional Negotiation Or Self Negotiation

The recent events in the US economy have opened up many new avenues to manage finances, such as debt negotiation. Debt negotiation is one way of getting rid of accumulated arrears. By adopting a proper course of action a person with unpaid bills can easily manage to reduce a major chunk of his or her unpaid bills so that they can get a fresh start and move on with their lives without much worry about paying a colossal pending interest from their previous transactions.

Why Would Anyone Need To Negotiate a Debt Reduction?

The answer is simply the fact that people have recently faced much mayhem in their lives owing to the current economic recession. Many lost jobs and many watched their businesses go down as unprecedented events in global and local economy took place. Many hardworking people lost their jobs and were left without much hope for an early revival. The only way they had was to continue spending on their credit cards just to survive. Such people now require a fresh start so that they can again get back on their feet without a lurking bill collector in the shadows.

Why Would Banks Agree To Negotiate?

Considering the fact that people owe to the banks and other financial companies, it would be legal for them to force an individual to pay back and chances are that the law will also side with them. But the other side of the coin shows that people aren’t in a position to pay back. This puts everyone in an awkward situation, especially the financiers as without cash they are bound to collapse. Banks need cash flow to continue business as usual, so they find this as a better option to reduce the payable amount so that people pay something instead of nothing.

Will The Banks Negotiate With Everyone?

The answer is simply “NO.” They will attempt to get the maximum out of their clients and as long as the client is under legal pressure of some sort they will give in at some point. So they will try their best to deny a reduction by all legal means. To manage a reduction a person has to know all the legal rules and regulations so that they can handle their case in a manner that the creditor is unable to deny their demand.

What Makes Professional Settlement Companies Better Choice than Self Negotiation

The fact that financial cases, especially bankruptcy are dealt under federal law amply highlights the importance of the matter. When we prefer to employ professional legal aid to resolve any legal matter then this makes a professional settlement company the first choice to handle a negotiation on your behalf. Professional negotiation is conducted by qualified attorneys who know the ins and outs of financial laws and offer anyone a better chance of striking a great deal which self negotiation can never get.

Considering all the above facts it is up to you to decide what is best for you!

Are You Living In the Present?

When you saw this article title, did you relate to it? I’ll be honest; I sure did. That might seem strange considering I wrote the article, but when I reread the title a couple times, I realized it was an eye-opener for me and it made me really stop and think. Maybe it’s an eye-opener for you, too, so I’ll give you an idea of what got me out of living in the present and what I do to focus on staying in it. Maybe it’ll help you change course if you need to.

What I’ve really noticed is lately I’ve been getting way ahead of myself. In other words, I haven’t been taking time to really connect with what’s right in front of me in my life right now. I’ve inadvertently missed important things that I should be aware of, appreciating, perhaps taking action on, and definitely expressing gratitude for, including the little things, all because I was not living in the present. I also noticed that not only was I causing unnecessary stress for myself by focusing on things that haven’t even happened yet and may not happen at all, but I had also overlooked something that was very important to me that was right in front of me right now. Clearly I would’ve noticed this if I were living in the present.

I had had several intuitive nudges about something I’ve been considering for a long time, and I had set those nudges aside because I was busy ruminating about the future and what it will bring. More importantly, there were things that I had overlooked or dismissed because of being caught up in not only looking too far ahead but also questioning whether or not there is something missing and what I should (the dreaded “should” word) be doing. And with the moment of awareness this article title brought me, I realized I had missed some opportunities with family and also my business that I had been taking for granted, not to mention the intuitive nudges that led me to taking positive action once I returned my focus to living in the present.

“The trick is to enjoy life. Don’t wish away your days waiting for better ones ahead. ~ Marjorie Hinckley

So along with the rumination about the future and potential results came stress because I was concerning myself with things that hadn’t even happened yet or may never happen. And, I know for sure that doing this is just a colossal waste of time and energy. Putting all this together brought me back to the present and was a direct lesson for me to get back into and stay in it. Sure it’s important to plan for the future and keep an eye on the horizon. But, stay aware of living in the present so you recognize and appreciate everything that’s here for you right now– today. Life goes by way too quickly to miss any of it.

I don’t think there’s anyone who can say they haven’t gotten caught up in the future or perhaps even stuck in the past at some point or another. Even the best of the experts find themselves looking outside the present moment now and again. It’s human nature, especially in the West where society has historically been less connected to this holistic mind/body/spirit mentality. I’m happy to say that’s changing dramatically now. What a blessing this is, not only for us but for our children, grandchildren, and future generations, too.

So if you’re reading this, you’re likely already at some stage of awareness and consciousness. And if so, you understand that consciously redirecting yourself to living in the present has enormous lasting value. One of the things I like to do to keep myself more grounded in the present is to do a simple meditation for a few minutes each morning and/or evening, whichever works best for any given day. Doing both is even more beneficial but it doesn’t always fit the schedule.

Meditation is very helpful because it not only allows you to stay in the present, it also allows you to step away from the noise of life to connect or reconnect with your inner wisdom. Don’t let the term “meditation” scare you if you’ve not yet experienced it. There are very simple forms of meditation you can do. I’ll share a simple one with you here that you may want to try if you don’t have a meditative practice of your own. The important thing about any meditation or any inner or outer work you do for yourself is to be sure it feels good to you and you resonate with it.

If not, you’ll not experience the full benefit. Here are the steps to this simple meditation. Step 5 allows you a couple variations, and you can choose either or come up with your own. Both variations work well for me, but it’s all about what works for you-what you resonate with. Just relax and do what feels right. You may wish to start with this meditation and as you gain more experience and are more comfortable, create your own. Here we go:

1) Choose the time of day that works best for you to meditate and allow about 15 to 20 minutes for your meditation. If you wish, you can surely go longer, but sometimes when learning to meditate you may find yourself being bored or unable to focus, so shorter sessions are a good way to get started.

2) Wear loose, comfortable clothing. Be sure to wear clothing that is loose and very comfortable so your body and mind can relax and let go. This also better allows energy to flow through your system.

3) Choose a place where it’s quiet, you can get comfortable, and you won’t be interrupted. It’s very important to choose a location that’s very quiet and where you can sit or lie down comfortably. It’s also very important that you not be interrupted. Meditation is a time for quieting the mind and releasing life’s noise.

4) Once sitting or lying down comfortably, close your eyes and take 3 or 4 good, deep, slow breaths. With each breath, inhale fully through your nose, hold it for a second, and then exhale from your mouth with a quick “pahhhhh” sound until all the air is exhaled. I’ve experimented with the brief hold of the breath and a couple different ways to exhale, and the method above really relaxes me more than any other. I invite you to try different methods and see what feels best to you, too, but this is a good one and it’s easy.

5) Two simple variations to Step #5:

a) How to enter your meditative session and ask for general guidance: After you complete the few deep breaths, keeping your eyes closed simply greet your inner wisdom with a hello and speak your intention to connect with it. Then, simply ask, “What do I need to know today?” With eyes still closed, be quiet, be still, and listen and observe the stillness for that guidance.

b) How to enter your meditative session and ask for guidance on something specific: You may also ask for guidance on something more specific. In this case, after you complete the few deep breaths, keeping your eyes closed simply greet your inner wisdom with a hello and speak your intention to connect with it. Then simply say, “I ask for your guidance on __________,” (fill this in with a short description of what you need guidance on). Then with eyes still closed, be quiet, be still, and listen and observe the stillness for that more specific guidance.

That’s it for this simple meditation. Simple is always better because it doesn’t cause confusion. Keep your question simple and to the point for best results. There is no way of knowing when the guidance you request will come. It could be almost immediately or within hours or even days. Just know it will come. Do your best to be patient and pay attention to ideas, visuals, auditory messages, circumstances, people, opportunities, and anything else that comes to you that seems to have “come out of the blue.” That’s your inner wisdom, intuition, or higher self responding with the guidance you requested.

The beauty of meditation in terms of staying present and not getting stuck in the past or reaching too far into the future is that while in your meditative state, you are in the now-you are present. And, when performed daily or consistently at some level, you easily stay in touch with the present and connected to your higher self. This brings calm, clarity, and confidence, and keeps you open to your highest (soul) perspective.

“Accept what is, let go of what was, and have faith in what will be.” ~ Sonia Ricotti

The USDA Home Loan Process Is So Much Simpler Than Other Home Loan Processes

most of them have very stringent requirements that make it impossible for many prospective home buyers to get a loan. Even if a potential borrower meets the eligibility requirements, the process can be tedious and time-consuming. If you’ve tried getting a home loan before, you know how extremely frustrating and stressful the process can be. The good news is, there is an easier way to get USDA Home Loans Florida near me.

The USDA home loan process is surprisingly simple. It is designed to make it easy for people with tight budgets to be able to get the money they need to buy their own home.

A look at the USDA home loan process

Here’s a look at the USDA home loan process:

First you will need to get a pre-approval letter. This will be issued from a USDA loan specialist. Once you’ve obtained this pre-approval letter, you will need to get a Sales Contract on the home that you’ve chosen. It is important that the home is located in a USDA-eligible area and that the property complies with the requirements set by the USDA.

After you’ve got these documents, you will need to fill in and sign the loan application documents and sent them along with all the required supporting documentation to the loan representative. Your income documents must be submitted along with this application.

The next step involves the appraisal and inspection of your application and documents by the underwriter. After going through all the paperwork and the application, the underwriter will advise you if you need to submit any other documentation in order to get the final approval for the loan. If you receive any such notification from the loan company, make sure to submit the required documentation as soon as possible in order to speed up the process. Once the underwriter has received all the documentation, they will sent the file to central USDA for the final seal of approval and commitment.

When this final process is completed and your loan approval is finalized, the underwriter will get in touch with you and ask you to come to the office to sign the papers. There is no down payment required, which is a huge advantage over other lenders who require you to make a down payment before signing the documents.

With USA Home Loans all you need to take along are your state issued photo ID card to the title company and a pen to sign the documents. That’s it! Once you’ve signed the documents, you will get the keys to your very own home.

How to find USDA home loans Florida near me

The state of Florida has a lot of good things going for it, from fantastic weather all year round and friendly people to a great education system and good job opportunities. It’s no wonder that more and more people are looking to buy a home in this state. What’s more, you can find USDA Home Loans Florida near me without actually traveling to the state. You can find several lenders that offer home loan financing for anyone wanting to buy a home in Florida. The key is to do your homework and find a lender that offers hassle-free loans.