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Credit card debt negotiation can be a very tough task. If not done carefully it will clearly not lead to the desired result. To pay off a huge debt is a hard job to accomplish, and who would not want a negotiation on the debt that has to be paid? But there are a few rules which one must keep in mind while doing the credit card debt negotiation.

There could always be chances that one might get their interests negotiated unlike what many people think. Always remember that some people have the ball in their court and not the company. They want money back from you at any cost and that is their primary motive which is also their weak point that one must target. Another factor that could help you, the customer, is that there is a lot of competition in market. Some companies want you at any cost as the money they make from the interest that you pay is tremendous. The company wants to make as much money as possible and would want as many customers as possible. They would have to maintain a good reputation in the market and this is how the competitiveness can work in the favour for your credit card debt negotiation.

If one has being paying off credit card debts for some installments, there could be chance for the credit card debt negotiation, the bank might give you lower interest rates. These can range from 1-2% less than the average interest rate of the country. Also one can negotiate for better repayment plans than the existing ones. Obviously the bank would prefer that their money comes back to them slowly rather than money not coming back at all. However, this credit card debt negotiation works only if one has not been paying the previous installments. If one is good at negotiation then one could get rid of the late payment fee, using ATM fee etc. But there are of course a few companies which will not budge on the ground rules they have. One should always keep their eyes open for various offers like zero interest rates, lowering of interest rates on existing loans or on balance transfers. Never get onto these offers directly as they can be used as a weapon at a later stage. Always first ask for lower interest rate and then slowly jump onto these plans. This could definitely be one of the ways to get out of credit card debts.

If none of the above works then one can lure the bank that you can take another card and get your balance transferred to another card with a lower interest. The best way to get away with this one is to keep an alternate card offer with you. If one does not have any, then you could research on them and then go for the negotiation. Credit card debt negotiation is a very tricky work. But keeping in mind some of the tips mentioned you can definitely pay off credit card debt more easily and quickly.

In a conference setting, nothing annoys audiences more than talks that go overtime. It shows a lack of consideration for the audience, and to be frank, there is absolutely no excuse for it if the speaker has prepared well.

Many seminars and conferences are run on a tight schedule with multiple rooms running multiple talks at the same time. If one speaker carelessly goes overtime, it means the delegates might miss a portion of the next talk in another room. Even if you are the only speaker scheduled, it still shows a lack of consideration to go over time. Some in the audience may have scheduled transport at a specific time, others might have appointments planned. Never assume that just because you don’t have anywhere else to be, that it is okay to go overtime.

Something else happens when a talk goes overtime. As the allotted time draws to a close, many in the audience will start to look at their watches and fidget, and the speaker will lose their attention. The longer this goes on for, the worse it gets and more and more in the audience will join in this practice. Ultimately when the speaker does conclude, the audience will be so annoyed at how much he has gone overtime that the value of the message will be lost.

Even the speaker himself will suffer by going overtime. As he comes to the realisation of how little time is left, as well as knowing he is losing the attention of the audience, he will tend to panic and rush through the final section, trying to cram it all in. The problem with doing that is the talk will cease to be effective. If a conclusion is rushed, it is pointless. A conclusion needs the proper amount of time to be effective.

The best thing to do if you are running out of time is to skip a sub-point or two so that you can still present a powerful conclusion. Depending on the circumstances you may still be able to briefly state the point(s) that you don’t have time to fully cover, and then move on. Again, preparation means knowing what points are key to your talk, and what secondary points could be missed out if necessary.

If you track your time in each section of your talk, you should not have this problem at all, because you will never get too far behind. Of course, this means having a watch or clock easily visible. Don’t continually glance at your watch as this is distracting, it is far better to hide a clock somewhere on the stage so that you can easily glance at it when required. Alternatively, a small digital clock could be placed on the podium, near your notes.

At the other end of the scale, occasionally some speakers find that they have prepared too little material, and they have lots more time available to them. Rather than attempting to fill the time by waffling and padding out the material, it is better to finish early. By all means slow the pace a little, and make use of the extra time that way, but don’t feel that you have to fill every last second, because your talk will lose its effectiveness. It should be noted that the problem of being under time is very unusual. In most cases, if there is a problem with timing it will be that you are running out of it!

As a guide, bear in mind that your talk will ALWAYS take considerably more time when presenting it live, as opposed to when you time your rehearsals. Allow for this, and if anything, err on the side of caution by preparing less material than you think you need. This requires discipline because the natural tendency is to cram as much information as possible into a presentation.

Proper timing also includes allocating appropriate portions of time to each section of your talk, so that it is balanced. Each point should have the right amount of time apportioned to it in order to develop it and make it clear. Key sections of your material will obviously need more time to develop than the minor points.