Debt Negotiation and Settlement – How Stimulus Money Aids Consumers With Debt Settlement

USA is facing dark times with the economic crisis and other economic issues. Obama is trying to fix the problems by supporting the stimulus money plan. Stimulus money come from government founds and are used to provide help to consumers in debt which for various reasons can’t afford to pay their loan back alone. Before the economic crisis hit, a lot of consumers needed loans and so they took loans in the hope that they will be able to pay them back. The large number of loans given by the banks caused major problems when there weren’t enough real money. This caused for a mass increase in interest rates and penalties and the consumers were forced to pay back more than what they borrowed. Most of them couldn’t afford to do so and so they filled for bankruptcy which only made the situation even worse for the rest of the citizens. With a large number of consumers still in debt and bankruptcy not being a real option any more, the government was forced to provide help and so stimulus money was introduced. Stimulus money is given to the major credit card companies to cover any losses that might appear when they accept to reduce the debt of their clients which use debt settlement.

Debt settlement or debt negotiation will reduce your unsecured debt by a large percentage after talking with the creditor and making them see that you are unable to afford the whole amount. Rather than letting you file for bankruptcy, a creditor is more likely to accept the negotiations and reduce your debt by 50-60%. It is better to get some money back from consumers and some from stimulus money rather than letting the consumers file for bankruptcy and not get anything from the loan.

Not only does stimulus funds help consumers in the battle with debt by making the creditors more likely to accept negotiations but also you don’t have to pay taxes for the reduced amount even if it counts as an income.

Debt negotiation is the best use of stimulus money and can aid consumers in their problem with debt.

Public Speaking & Business Presentations – Feel and Share Your Passion For Self, Subject & Audience

Among the qualities great communicators personify, whether in public speaking or in business presentations, are passion, sincerity, confidence, humility and credibility. Your ability to effectively persuade an audience, will directly correspond with the level to which you personify these qualities.

Of course, great presentation skills require that you first are knowledgeable about your subject of discussion as well as articulate in your presentation of this subject.

To be a great public speaker, first inhabit and own knowledge and passion about yourself. I don’t mean this in a vain or narcissistic way, but in an organic, appreciative way. We are most taken and moved by people who truly know themselves, believe in themselves and have a passionate position about an important subject that they need to share with us.

But as a great public speaker or business presentations expert, your self-appreciation should be balanced with an even greater dose of humility and appreciation for others, your audience in particular.

Next, as a great public speaker, be passionate and knowledgeable about your message. Not just the subject of your message, but your personal perspective on your message. Audiences don’t want overly opinionated speakers, but they do want to hear your perspective, expertise and passion.

Once you begin your speech, your passion, focus and intent is on the audience and your need to reach and move them with your important message. This is the most important of public speaking and presentation skills. The ability to connect with your audience visually, intellectually and emotionally.

It’s important to reiterate that kind of self-knowledge and self-enthusiasm that you, as a great public speaker, want to personify is not the egotistic, self-centeredness we find in self-absorbed people. The effective public speaking pro wants humanistic self-awareness, as well as other-people awareness.

In public speaking and in business presentations, inhabit and express enthusiasm and joy to be alive and part of the interconnected whole of being in general, and a part of this group you speak with in particular. This includes an awareness and appreciation that the people you seek to motivate are an equal part of this greater beingness of humanity and that everyone benefits from your message.

In public speaking, business presentations or any other kind of presentation, your audience will buy your message based on emotion. We are all persuaded most by our feelings, not by our intellect.

You want to reach into people’s lives and minds, but most of all, their hearts and souls, and let them know that you understand their pain, their joy, their fear, their needs; that you too have been or are there or at least you understand and that you have knowledge, tools, information and inspiration that can support them in their mission to emerge victorious. You have the genuine concern, understanding and sympathy regarding their needs and life experience and you have tools that will fill the gap between where they are now and where they want to be in life.

To gain the confidence of your audience and their commitment to act on your message, you must inhabit passion (for your subject of discussion in particular), sincerity, confidence, humility and credibility.

Presentation skills can be learned. Few of us are born speakers. With commitment and practice, you can become a brilliant public speaker or presentation expert and rock your business and income.

Quieting the Mind and Being Present

Intuition is the language of the Heart. The Self speaks to us primarily through our intuition. It uses other methods of communication as well, but intuition is to the Heart, what thoughts are to the mind. Intuitions flow nearly constantly, like thoughts, but becoming aware of intuitions takes some practice because they are much subtler than thoughts. For that reason, thoughts usually win our attention over intuitions.

One of the benefits of meditation and other spiritual practices that quiet the egoic mind is that these practices make intuition more accessible. Most people need meditation or some other spiritual practice to subdue the dominance of the egoic mind. Once some mastery of the egoic mind is achieved, real progress can be made toward following our intuition.

Meditation, or any other activity that focuses the mind, causes the egoic mind to become quiet because it keeps the mind busy with a task. Actually, any activity we are fully engaged in can serve as a meditation. When we focus all of our attention on something, the mind becomes quiet and serves us only when needed.

We tend to skim by on the surface of life, instead of diving into the moment and really experiencing it. The egoic mind keeps us at a distance from the real experience and, instead, substitutes thoughts about the experience. It distances us from the present moment, where life is rich and alive. We can learn to be more present to the moment by just noticing what is going on. Being more present is usually accomplished by taking our attention off of thoughts and feelings and putting it on whatever else is happening in the moment.

Exercise: Being Present

Being present means giving your attention to everything that is happening in the moment, not just to your thoughts or feelings. If a thought arises, notice it, and then continue to notice everything else that is present. When you are engaged in a task and your mind wanders off of it, bring your attention back to the task, to the sensations that are present, and to the entire experience of that moment. With practice, being present to everything that’s going on in the moment will become more natural.

Doing a more formal kind of meditation is another very helpful practice. When done on a regular basis, meditation helps establish a calm mental state, which makes the intuition and consequently the Self’s guidance more accessible. Meditation is the most effective spiritual technique available for shifting out of the egoic state of consciousness and into the experience of our true nature. It is also no more complicated or difficult than being present to an activity.

Exercise: Sitting in Meditation

Make a commitment to meditate daily, even if you only do it for a few minutes a day. Start by meditating for ten minutes a day. Increase the amount of time you meditate as your enjoyment of it increases. Be sure to make your experience of meditation as comfortable, enjoyable, and pleasant as possible so that you look forward to meditating.

Retreat to a quiet place. Choose something to focus on that you enjoy so that your meditation will be pleasurable. If you are auditory, you would probably enjoy listening to music or to the sounds in the room. If you are more kinesthetic, you would probably enjoy focusing on any physical sensations and on any subtle energetic sensations that are present. If you are more visual, you might enjoy gazing at a picture of a saint, a work of art, colors, flowers, or something in nature.

Whenever your mind wanders, gently bring it back to what you are focusing on. Also notice what you are experiencing as you sit in meditation. While the mind is busy with what it’s focusing on, experience is still happening. That experience is who you are! As you practice meditation more, your mind will wander less and for shorter periods of time, and you will spend increasing amounts of time in the Now.

Once you begin spending more time in the Now, meditation becomes very pleasurable. The now is intensely pleasurable. It has everything: joy, bliss, peace, contentment, fulfillment, love, clarity, acceptance, and wisdom. You will wonder why you ever wandered from the Now, but then you will catch yourself doing it again. The egoic mind is very seductive, even though the Now is so joyous and full. Even those who live mostly in the Now find themselves wandering through the corridors of the egoic mind from time to time.

We can learn to be present to the thoughts in our egoic mind just as we are present to whatever else might be arising in any moment. Thinking can be like any other activity we are present to. When we are present to our thoughts, we don’t feel like we are thinking them, but more like we are noticing them being thought, which is very different from the usual way of thinking. Here is an exercise that will help you learn to be present to your thoughts:

Exercise: Being Present to Thoughts

Practicing being present to your thoughts will change your relationship to thought. Practice this as much as possible whenever thoughts arise.

Notice whatever thought is arising right now. Observe it as if you were standing at a distance from it. What is the experience of thinking? Notice that thinking seems to be contained in your head. What is aware of thinking? Is that Awareness contained by anything, even your body? How big is it? Does it have a boundary? What is the experience of this Awareness? That is who you are. You are the Awareness that is aware of thoughts coming and going.

The thoughts that arise in your egoic mind have nothing to do with who you really are. What arises in your egoic mind is not up to you. It is just the conditioning you were given. Without following a thought, commenting on a thought, or holding an opinion about a thought, simply observe how your thoughts come and go: One thought replaces another. Where do they come from? Where do they go? Notice how little coherence there is between thoughts and how they jump from subject to subject. At times, it seems they are designed solely to get your attention. What else do you notice about them? Are there different voices attached to them? Do you notice certain themes? How true are they? Do they have an impact on Awareness?

Being present to thoughts this way allows us to be objective about them. With objectivity, we can examine our thoughts in a way that wasn’t possible when we were identified with them. Through such an examination, a great deal can be learned about the nature of our conditioning, and what we learn about our conditioning can free us from it.

This new relationship to the egoic mind is very freeing. It not only can free us from our conditioning, but also free us to be aware of the fullness of the moment. Because the egoic mind no longer has the power to draw us into identification, we are free to give our attention to the whole of life, instead of to only our thoughts. What we discover is that part of what is happening in the whole of life is that the Self is speaking to us in its own way, through intuition.

From Radical Happiness: A Guide to Awakening by Gina Lake Copyright © 2008 Gina Lake