Credit Card Debt Bankruptcy Alternatives

Credit card debt is one of the main forms of debt that individuals have. They are easy to obtain, but hard to get rid of. Credit cards have high interest rates and in order to get rid of them fast is to file bankruptcy. Now, there is a way for you to get out of debt without bankruptcy and losing your assets. In order to get out of debt, you can try a program like debt consolidation.

Debt consolidation is when you make one low monthly payment minus all of the high interest. You will pay either a lower rate or none at all. In order to get started with the process of consolidating your bills, you will need to contact a company that handles debt consolidation. When looking for a company, you'll need to make sure that the company does not offer any hidden fees. There should not be a fee to get started. The only thing you should be paying the company is your monthly payment. You want to get out of debt and live a stress free life.

Debt consolidation can come in two forms. One way that companies consolidate debt is to offer you a loan where they will pay off all of your credit card debt. In return, you'll end up paying the consolidation company each month. The second one is when the consolidation company helps you to manage your debt. They will combine all of your bills and you will give the company a certain amount of money each month, so that they can distribute it out to all of your bill collectors.

Consolidating debt is a life saver for anyone with multiple cards that have high interest rates. When you have credit card debt, you're making your minimum payment each month, but the amount that you owe remains the same. In order for you to be able to see the debt amount getting lower is by paying more than the minimum each month. It's hard to pay more than the minimum because you have other bills to pay. Some people get so stressed out about their debt, that they're stop making payments completely. The only other option for you is to consolidate your debt. You will wonder why you did not do this a long time ago. In a couple of years, you will be debt free and be able to live your life normally again.

Therapy Marketing – Marketing Your Therapy Practice

In this article, I want to talk about how to create a compelling reason for your prospect clients to contact you. I've found that one of the best ways to do this is to take away the risk element for them. You've got to remember that people finding you on the internet have never met you and may be linked to pay for your services until you have built up some trust with them. One of the best ways to do this is to offer a free consultation or a free taster session, whichhever is more appropriate.

I offered a free consultation on my website and the number of inquiries tripled overnight. At another clinic, we bought in free telephone consultations and again the number of inquiries skyrocketed. I have also found that 90% of people who come for a free half hour consultation in my clinic sign up for a course of at least 5 treatments. Now you may think that offering something for nothing is a waste of time and money but I guarantee you that people will be much more willing to make a financial commitment, once they have met you and sampled what you have to offer. In the therapy world, more than anywhere else the rapport and trust between the practitioner and the client is vital, and people know this. You can even be very upfront about this in your website or brochure and say that this is a chance "to find out if I am the right practitioner for you".

The key is to offer something of real value such as taste of what you normally offer, so that the person can get an idea of ​​what they can expect. When I give a free consultation I simply give a shortened version of my diagnosis session. I ask the person about how they would like the acupuncture to help them and give a realistic evaluation of the benefits they can expect. I also offer any advice that that they can implement straight away. By asking questions and really hearing the person, I am almost always able to gain rapport and trust. At this point, the person will be more than happy to book a full session. Do not attempt to push your services, instead focus on giving and listening. You will immediately set yourself apart from the crowd.

Offering a free consultation or taster session is so simple yet extremely effective. You do not even have to have a website yet. Try it out by printing a simple leaflet and distributing it in the neighborhood. Either post is through letterboxes or put a stack of leaflets in local shops. You will find that by giving something for free, you will get back many times more than you give.

4 Methods For Closing Your Speech That Will Make a Lasting Impression

The last thing you want in public speaking is to leave your audience abruptly hanging without the knowledge that you have concluded. In my previous article, I discussed the need for signaling the end of your talk. The 2nd criterion, however, involves reinforcing your central idea.

The most common closings are:

1. Briefly Summarizing Your Development.

If you have a few subtopics, then you could end your speech or presentation by briefly listing those subtopics which all serve to reinvigorate your main topic. While the most common means to conclude, the summary is a safe method even if it is the least interesting and the least compelling. However, many speakers on the public speaking end in this fashion and they are quite successful.

2. Referencing Your Opening.

If you have a dynamic beginning, by all means use it in your closing. One of the benefits of returning back to your opening is that it gives unity to your message, psychologically. One of the ways I open my presentation on voice improvement is by asking the audience a question about the sound of their speaking voice. By asking that same question in my closing, I reinforce the central idea – the fact that most people do not like hearing themselves on recording equipment and that everyone has a better voice inside which they are unaware of. My final question gives them pause for thought as well as signaling the end.

3. Using a Quotation.

In researching your topic, you should discover a very good quote relevant to your speech, consider using it as your closing statement. In doing so, be sure to give credit to the writer. [Incidentally, quotes are wonderful to use through your presentation because they lend credibility to you, the speaker. They show that you are well-researched and know what you are talking about.]

4. Making a Dramatic Statement.

Being able to give a dramatic closing is the most novel method of the four. It takes a great deal of originality on your part but it is well worth the effort because it gives your audience a dynamic and vital ending with a lasting impression.

When devising your concluding thoughts, do not whimper out. Go out with a bang if at possible. Practice your material so that you know in advance exactly how you will end. While I do not advocate memorization in public speaking, I strongly urge aspiring speakers to memorize their opening 3 or 4 lines. By the same token, having your conclusion in memory might be a good idea as well. Do not leave your final words to chance.

Basic Photography Tips for Beginners

So, you’ve bought a camera. But there’s this teeny little problem about the whole thing: you don’t know the first thing about cameras or the principles it functions on! Not to worry though, this article is here precisely for that purpose. To guide you through the basics of photography without sounding like a lecture in Physics. First things first, the camera is basically a device that captures the scene in front of you, using the same principle that applies to your eyes. Light enters your eyes, passes through the lens and forms a image on the retina.

Now, just hold that thought and think about the following points:

• Aperture: This is nothing but the function of the camera that regulates the amount of light coming in the camera. Think of it as your iris which adjusts according to the light outside. Don’t you experience a blackout of sorts when you enter a dark room from a brightly lit area? That’s what happens when the aperture of the camera is inappropriately set. So, lower the light, higher the aperture.

• Exposure: This is the amount of light that is allowed to fall on the film/sensor. Not much to explain here, but the correct manipulation of exposure can do aesthetic wonders for your photographs. Exposing your sensor for a long period, results in, more light falling on your sensor, making your picture brighter.

• Shutter-Speed: Simple. The camera is your eye. The shutter is your eyelid. It’s that easy. How to adjust shutter speeds to get awesome effects? Keep it fast if you want stop-motion photos. For example, sweat jerking off a footballer’s forehead as he kicks the ball. Or, keep it slow if you want a blurry effect.

• Lens: Every camera has a lens. Digital, SLR, mobile phone, you name it. They are the basic components of the camera and can be very helpful in defining your particular style of photograph. If you’re a sports photographer, use a telephoto; for landscape, use wide angle and so on.

• Depth of field – could be used to describe sharp focused area in a photograph. We can shoot either way area focused is sharp focused and foreground and or background are blurred While we also choose to take a photo where every element is sharp and crystal clean

These were just the basics of photography. Though reading it doesn’t make you an expert, it sure will help you in understanding what those buttons on your DSLR are used for!