“The Point of Power Is Always in the Present Moment” – Louise Hay

Just recently I lost momentum for the life I usually proclaim to love. I stopped going to the gym as regularly as usual and was eating more sugar than was good for me. At first I thought I was just feeling a bit worn out; I’d been pushing myself pretty hard and it made sense. Then I started to find it a bit of an effort to get out of bed in the morning. That frightened me.

Having been a success coach for years, I know how to manage my state. I don’t always want to but it’s like going to the gym regularly, you develop the “muscle memory” that allows you to respond automatically, even when you don’t feel like it.
There was obviously something in my blind spot that was evading my attention, so I decided to phone a dear friend of mine, who is a phenomenal coach, and ask her to help me work through the problem.

It was uncomfortable, as growth often is. There was much wriggling on my part; my friend, thankfully, refused to let me off the hook and eventually, the truth came out.
“What was the point of making so much effort when the results I wanted weren’t showing up?” I had mumbled petulantly. As soon as the words were out of my mouth I realised exactly what was going on.

As much as I had faithfully promised to resign as general manager of the universe (Janet Attwood – The Passion Test) I had clearly assumed the role, again. Obviously, I knew better than anybody else when my plans should come to fruition, and by my calculations, they were behind schedule. As the ugly truth of my attitude became clear to me I realised that I had been living in direct conflict with one of my highest values: gratitude.

I was saying that what I had in my life, right now, wasn’t good enough. I wanted something bigger, better with more bells on before I would be satisfied. No wonder I was starting to feel so unhappy. And it wasn’t really a big surprise that the results I wanted weren’t showing up. If your partner brought you a present and you turned your nose up at it, he might not feel inclined to have his gesture dismissed again. I was shocked and ashamed but, thankfully, now that I had my attention on the blind spot I was already half way to seeing clearly.

Impatience had been a problem for me all my life, definitely an Achilles heel. I spent the next couple of hours reflecting on what that behaviour had cost me: when I had put strain the relationship with my boyfriend because of my unreasonable expectations or just missed the moment because of mentally rushing off into the future. There was a lot of apologising to be done but, thankfully, I am greatly loved and my friends and family were gracious.

During that period of time I felt a definite shift in my energy. I felt happier and lighter – more present in the moment than I had felt for ages. Finally, I understood the phrase, “enjoy the journey.” I had heard it countless times but it had never resonated at that level with me, before. It was important to me to really anchor my awareness I this new mindset, so I started to look for quotes that would help.

I was amazed by what I found. There were so many quotes by people who were at the top of their field, from all different backgrounds, that encouraged being in the moment: Sally Field, Marianne Williamson, Oliver Goldsmith, Voltaire, Einstein, Wordsworth and Henry David Thoreau. The most surprising one I came across was from Donald Trump, who said:

“I try to learn from the past but I plan for the future by focusing exclusively on the present. That’s where the fun is.”

“Well,” I thought, “If it’s the key to a multi-billionaire’s success, it’s good enough for me.”

And it has been. It’s incredible just how much happier and more productive I have been by focusing on the journey, instead of rushing towards the future. After all, the present is all that we really have. There are no guarantees how life will unfold but there is magic in every moment, if we just take the time to recognise it.

Negotiation With Debt Collectors – What You Must Know

Did you know that when debts owed go into collections, they do not expect to be paid in full. Debts owed that go into collections can often be negotiated to a fraction of what was actually owed. In order to negotiate the best deal you must understand how the collection system works, the debt collectors mindset, know your rights and how to start off the negotiations.

Debt Collection System Explained

When debts go unpaid for several months that company normally negotiates with another company in order to get you to pay. This third party either purchases your debt for a fraction of what is actually owed, or they work for the creditor for a fee or a percentage of any money that they collect. The debt collector is in the sole business of collecting debts and they have many methods they use in oder to make individuals pay.

Debt Collectors Mindset

It is important to understand that it is the debt collectors job to make you pay. They get paid when you pay. Debt collectors deal with unpaid debts on a daily basis and they do not have the emotions that you may have about your debts. Debt collectors, from the nature of their business are most of the time aggressive and have no problem putting stress on you and pressuring you to pay.

Know Your Rights

When dealing with debt collectors you need to know your rights. Debt collectors normally will not tell you your rights and possibly will break the law when trying to recover debts. There are many rights you have, but a few of the most important ones are the following:

  1. Fair Debt Collection Practices Act (FDCPA) – This is a federal law that requires debt collectors to treat you fairly. This law places limitations on the way they can collect. This act places limitations on when the collector can call, who they can contact, obscenities, amounts they are entitled to collect, suing in locations far from residence, threatening remarks, and many more. The following website gives great details on the FDCPA: Fair Debt Collection Practices Act Details. If you feel a collector has violated one of your rights, you should contact either an attorney or a credit company that can help with this.
  2. Statue of Limitations – With all debts there is a time limit to how long creditors or collections agencies can sue in order to collect debts. Depending on what state you live in this time frame varies from 4 to 25 years. A creditor may be contacting you about a debt that is outside of these limitations and you may not be entitled to pay. This is important to find out before paying anything to a creditor because if the statue of limitations has expired and if you make even a tiny payment, this will restart the statue of limitations and you will now legally owe this debt. It is important to get detailed information about your debts owed with dates and amounts from the creditor.
  3. Privacy – A debt collector is not suppose to tell anyone about the debts that you owe other than a co-signer or a spouse. They can call neighbors and employers, but only to obtain contact information and that is it. If they cross that line, you may be able to take legal action against them.
  4. Harassment, False Statements, and Unfair Practices – This may be very common among debt collectors. They will almost say anything they can in order to make you pay. They are not allowed to make false statements or harass you in illegal ways. It is smart to keep records of what was said and if you believe something may be illegal, contact an attorney.

Debt Collection Negotiation

Once you have followed through on the debts and made sure they are all legitimate debts that you owe you can begin negotiations. The collector will of course demand full payment but in they know they will not actually receive this. They will negotiate as hard as they can and that is why you have to negotiate hard as well. A good starting place is offering about 20%-30% of the total amount owed. The easiest way to settle your debts is if you have some money and offer them a lump sum payment right away, still only for a fraction of what is actually owed. Be careful not to give in and agree to pay for anything you cannot afford. Most of the time, you will end up meeting in the middle. Before you are done negotiating it is important to try to get them to remove any negative items on your credit report that may be bringing your credit score down. This will help you save on future debts by allowing you to obtain a lower interest rate.

If you feel you cannot negotiate on your own there are professional companies out there that can help you. Most of the time these companies will give you a free consultation and let you know what they can do for you before you decide to use their service. What is good about these companies is that they won’t have the emotions you would have when trying to negotiate your own debts. Even after paying the fee, you will most likely still be better off than if you were to do it yourself.

Grow Your Business Online – Find Out More

Money and relaxation is what everyone would love having in life. But very seldom do they come together. If you want to earn something you will have to work rigorously which would deprive you of the much wanted relaxation. This has made many people start thinking of taking up their own business plans that would help them earn good and live good with a relaxed life. Home based business ideas are meant for people who are on the lookout for such ventures. There are a number of such opportunities knocking your doors right when you are at home!

Home based business plans are a recent trend in running business that could be handled with resources easily available at our home. Most of these ideas started emerging with the growth of internet technology. This occurred simultaneously because internet is a platform that many of the businessmen and their business ideas were waiting for a long time to hit the markets. Internet offers a greater number of advantages than any other social media as it is far reaching across the boundaries if nations and continents. This would help you promote your business to anywhere across the globe and earn good at a faster rate.

Online transfer of money and transaction of good have landed upon us adding to the facilities offered to ease and elevate our living standards. There are very few people who still remain uneducated in using the technology in an age when almost anything and everything in service are getting computerized.

The affordability and the user friendliness of internet services and service providers respectively have allowed more people to subscribe to the technology and enjoy all the advantages it offers. Also the service offered through the internet is present on it for almost 24 hours of the day and for all days of the week. Thus internet services are 24/7 available throughout the year unless it is disturbed by some technical problems or issues.

Home based business plans would include attracting the online society towards your web portal that would be promoting products that you have built on your own or with the help of some other production units. All the basics of business remain true for online business also. That is the product or the services you are trying to promote or sell should be of good quality and must meet the customer’s requirements and those assurances you state through the advertisements.

These business plans could be of varied sorts like selling homemade cookies or snacks to retailing handicrafts of artistic values through a website to show case your products. Selling electronic versions of books called as eBooks, forex trading, blogging for money, content writing, online video tutorials etc are all small home based business plans that are being carried out by many people across the globe.

The ability to handle e-cash through online transactions have helped the businessmen and the easy ordering and delivery of ordered products at their doorsteps have let more customers to come back to online trading and business in large numbers. Home based online business scheme although being a relatively a younger idea has started to come up as a major pursuit that many are into seriously.