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Public speaking can increase anxiety and nervousness. Most of this stress caused over a presentation can be avoided if we are prepared ahead of time. What are some points you need to keep in mind before you can give an effective public presentation? Some main points we should be aware of are, our appearance, the audience, the place of the presentation and visual aids we use.

Appearance: You are the first thing your audience will see, even before you start speaking. Always remember that 90% of your message is non-verbal. Watch your body language, avoid distracting dressing style, bright gaudy colours or heavy jewellery. In short, look professional. Your head should be neatly pinned up or styled in such a way that you don not need to run your hands through it frequently. Avoid too much make up. If it is possible, always check your appearance in a mirror just before you start the presentation.

Audience: Collect background information about the group you will be talking to – such as what is the age group of the audience, gender whether all are males, all are females or a mix of the two. What is the knowledge, educational level and understanding level of the group. What is the objective of your talk and what does the audience want to know. Always keep in mind that your presentation should not make either the audience or yourself appear small or you try to display favoritism by making some members feel superior or others inferior.

Problem solving is not for the weak or the faint of heart. Problem solving is not for the pessimist or negative person. Problem solving takes one with strength of character, a touch of brilliance and a can do attitude, it takes an optimist with brains. Beware the self-proclaimed problem solver who thinks problems are only solved through nicely formatted committees, with all sorts of positive comments and accolades, it simply is not so.

In fact studies have shown that committees generally cannot solve problems as fast as individuals with vision and genius can. You should beware of the self-proclaimed positive Problem Solving Guru who knows it all and you should run if this so-called guru presents Negative Remarks in order to get all the members in the group on the same page. Sometimes problem solving requires information that crosses domains and folks of a wide variety of thought.

If the groups are too congenial they miss the opportunities before them. This is why an individual can often out smart a committee, if they have an open mind and draw from a wide variety of experiences and observations in life. If the group leader cannot handle complex thought or a divergence in thinking in the group, you have the wrong moderator, group leader or guru psychologist. Dump them quick.

The goal of coming up with solutions to problems is not getting everyone to think the same. If that were the goal you do not need the group just find the person who thinks the way you do and ask them to make the decision and stop wasting everyone’s time and save the money on the self-proclaimed “uniter” consultant for hire. Think on this.

When you are swamped with debt finding the right tool to get relief isn’t always easy. Once you do find an option you feel suits your financial needs, executing it can be even more stressful. One common debt management path people choose is debt negotiation. Negotiating with creditors is no easy task and many people find the process to be frustrating. However, there are a few ways to ensure you approach debt negotiations the right way and hopefully maximize your chances of successfully obtaining a deal.

Communication

Whether negotiating with the IRS or a credit card company, it is important to remember that they hold most of the power to negotiate. After all, your debts are your responsibility and a creditor is not legally obligated to negotiate with you. This is not to say that you have little power of influence. The most important aspect of debt negotiation is open communication. You need to maintain a consistent line of communication throughout the process in order to better navigate a deal. It is best to try and work with one person directly during the process, which means that you need to get their name and direct contact phone number. You have a far better chance of success when letting only one person handle your account.

Another important aspect of communication is your tone. Never be abusive or threatening with a creditor when trying to negotiate. Even if the creditor appears stubborn or unwilling to help, it is important that you keep your cool. It isn’t uncommon for one person to write a note in your account stating the nature of a conversation for other people within the company to see. If you attempt to speak with someone higher up after you have lost your temper, you may find just as much resistance as before. Remember that staying calm and offering a pleasant tone of voice is your best ally.

When attempting to negotiate a repayment plan with your creditor it is important that you are honest about your situation. You need to paint a picture of your financial situation to demonstrate your need for assistance with your debts. There is no need for extremely personal information or explanations, but it is important to explain why you cannot meet your debt payments as expected. If you have lost your job or suffered a medical illness, offer to provide documentation to the creditor to demonstrate your unexpected circumstances.

Proposal

A great tool that many people forget about in debt negotiations is to prepare a proposal before you talk with the creditor. Organize your finances and determine how much you can realistically pay each creditor per month. Write a letter explaining your financial situation and the proposed payment plan that suits your budget. You may also find better success if you offer to have your payments automatically drafted out of your account each month. Creditors appreciate such organization and dedication to debt payments, which will win you favor in their eyes.