Friday, August 3, 2012

Raving Violet: M'ama, Non-M'ama

???? M?ama, non m?ama.? Why do I know this phrase?? Because it is the stupid name
of a fancy schmancy Italian jewelry line, whose other line I covet. And what does it mean?? It sure sounds like the ?To be or not to be? of mothering, but in fact, ?m?ama non m?ama means ?she loves me, she loves me not.?? In Italian. ???? To be or not to be a mother.? That is the question.? ?I always assumed I would be a mother. ?I was married for a while in my late 20?s early 30?s and while I wanted a kid, not with the kid I was married to.? I kept waiting for him to grow up.? Didn?t happen.? He?s now fathered some other broad?s kid, but that?s her business.? He was baby enough for me.? ???? I bought baby clothes when I was married because I just knew I?d be having kids.? I hated that other, actually pregnant people got to buy stuff for their babies.? So, I wasn?t pregnant yet.? That would change. ?Frustrated, I put a onesie on my fat cat, Chrissie.? She sat there like a stuffed potato propped up on the couch, holding for the camera.? I now use flannel baby blankets to line my dog?s carrier.? ???? My collection of baby clothes grew as my marriage disintegrated.? Since the guests of honor were dear friends I chose to host both a bridal shower and a baby shower in my home as my relationship imploded.? This was profoundly difficult.? After my separation, I pulled away from the married folk I?d hung out with during my marriage.? It?s not so fun to be in a group of couples when you?re a single (and your ex was immediately re-coupled).? I dropped off the face of the earth and made new friends, or hung out with other disenfranchised folk who were single and non-mommied.? My mother felt the same damn thing when my dad died; she was brutally booted out of her marital social circle. This time, I outed myself.? ???? My parents had an ideal marriage in that not only did they love each other, but they liked and respected each other.? They were partners. ?Dad went to work every day, mom ran the home and took great care of my sister and I.? She saw to it that we got the best academic and arts education New York City had to offer.? Dad often told Mom that she should do more for herself, not just for us.? He was probably right.? After he died the same was true.? She focused on us, putting an incredible amount of pressure on me (I can?t speak for my sister).? ???? My heart went out to my mom, having to raise two kids by herself.? She neither remarried nor dated again.? ?No man can hold a candle to him,? she always said.? Even under the best of circumstances, you can?t guarantee there?ll be two parents around to follow through with raising your tiny humans. ?Both of mine ended up dead.? Happens. ?I had more time with Mom than Dad, and even with a nine year spread between me and my big sister (effectively making us both only children) my mom had a hell of a hard time being a single parent.? Parenting is challenging when you have two devoted parents and the luxury of two extended families.? I had neither. ?I never wanted to be a single parent.? And because Mom was 42 when she gave birth to me, I vowed to be a young mom. ??Not that there was anything wrong with my mom, except that she ended up dead.? There seemed to be some correlation between old and dead.? On the other hand, my father died in a non-age related accident at 47.? Life.? ???? Now I know my parents were great in part because they were older.? There?s much to recommend the more seasoned adult as a parent.? To generalize, they are calmer.? Wiser.? On the other hand, well, they?re just not as young.?? Can?t get around that one. ??But is young so great? ???? Having lost my dad at five I wanted to get married at 18 and start reproducing in my 20?s.? That couldn?t have been farther from my life?s actual trajectory than ice from the sun.? Having been foiled with a crappy first marriage, then saddled with extra helpings of? ?life lessons? as I toiled along my path with various and sundry ?dating experiments? the years marched by.? My childhood dream of a happy home, marriage and family life was drifting farther and farther away.? ???? I was frustrated.? Angry.? How do you fight your own karma?? Could I yell at god?? What good would that do?? I was off to a slow start as it was.? I such a late bloomer sexually that I even had a spirit guide actually tell me to get laid, and by any means necessary.?? It?s not often that the heavens open up and tell you to ?get busy?. ?I was a tough nut to crack.?? But here I am now. Cracked.? ???? When I tell people that I believe I will have kids naturally, some of them say, ?Well, what are you waiting for??? I reply calmly, ?The father of the children.?? ?You don?t need a man for that.?? ?Oh yes, I do.? ?A good marriage means more to me than having kids, but I?ve always trusted they would both ?just come.?? I?m in my forties now and neither is here.?? Forget the clock.? I?m only glad I didn?t know this is how things would pan out when I was younger.? Would have put me in a bad mood. ?? ???? My parents raised me a Theosophist and I am firmly entrenched in metaphysics, spirituality, reincarnation, karma, you name it, I?m on it.? Having lost my parents before the age of 22, I sought out psychic, channeled and mediumistic readings for spiritual guidance and to re-establish contact with my folks. ?If I didn?t, I would have no semblance of family life at all. ???? Back in the days when I was beyond massively-profoundly-depressed I received the most beautiful channeled readings from the spirit of Milarepa, a Tibetan poet and saint who meant nothing to me at the time.? He was only as good as the info he coughed up.? The info was solid gold (and poetic, to boot).? I still refer back to those readings as events continue to unfold decades later that he hinted at.? He knew me and my family inside and out.? The person who ?hosted? Milarepa did not know me, so you can?t pin a conspiracy on the accuracy.? Now I know Milarepa was a way cool Tibetan poet and saint (the facts remain the same, only now, I care).? ???? My almost dead grandmother came through the ethers in one of my readings (sort of like making a call from the airport while you?re waiting for your flight).? She told me to ?Stay put!? ?Milarepa warned me that I had a strong death wish and that I was passively suicidal.? This depressed me even more than I was already depressed.? It was true, though I hadn?t seen it.? I just thought I was gloomy, unmotivated, and fucked. ?Nana promised me that I would be a mother some day. ?Big frickin? deal.? I was 23, single, and the most important person in my life, my mother, had died a year prior, the day before Mother?s Day (digging the knife in just a little deeper).? My father died near Father?s day.? They knew how to go out with a bang. ?? ???? I couldn?t care less about being a parent at that time and certainly didn?t need reassurance.? Eons later I?m tapping my fingers and wondering when, exactly, this dog and pony show is gonna get going.? Now I know why Nana promised. ?Bitch owes me a baby. ????? I envied my married-with-kids friends.? I perceived them as ?normal?, having security, warmth and company. ?It never occurred to me that some of my friends might have been jealous of me (either consciously or unconsciously) over the years because I am unencumbered, untethered, foot loose and fancy free.? My time is my own, to write, tap dance, play with my pets, read a book, write a book, drink, listen to loud music and nap.? When I have the occasional cigarette I sit in my stairwell and blow smoke at the ?No Smoking? sign.? I am a free agent.? ???? Years ago I got a mysterious letter in the mail.? It was from Massachusetts.? I didn?t know anyone from the town and was perplexed.? ?Who the hell lives there?? What is this??? ?I tried to fathom the secret to this mystery, scrutinizing the handwriting, the date stamp, the address.?? When I turned the letter over I exclaimed, ?Oh, for fuck?s sake.?? Hand printed on the back it said, ?The mother to be is registered at Buy Buy Baby.?? ?Goddamit!?? I said out loud, at work, ?this is not an invitation, THIS IS A BILL!??? I didn?t even know who was pregnant and I had to buy her a present??? The mother to be turned out to be one of the cadre of friends from my married days that I was no longer in touch with.? She met her husband in my living room.? ?They had a big beautiful wedding.? Somewhere. ?After my divorce. ?I didn?t go. ???? I had spoken to this gal at Christmas; she had invited me (and my ex, thanks a lot) to their Christmas party.? I did not attend, for obvious reasons, but she had ample opportunity to tell me about her five months pregnancy at that time.? She refrained.? I was outraged at being informed of her pregnancy by a stranger from Massachusetts.? If I?m not a close enough friend to tell me that you?re pregnant, then why are you inviting me to your shower? ?I let her know how hurt I was and asked her why she didn?t tell me at Christmas.? She said, ?I didn?t want to hurt your feelings.?? First of all, she?s assuming it would have hurt my feelings.? Second, she?s inviting me to the frickin? baby shower.? At what point is it less ?painful? for me to know about her impending motherhood, when they invite me for dinner?? ?Oh, by the way, can you pick up wine and?some?diapers??
???? I did not attend the shower and I did not send a gift.? I did visit the couple and their kid when he was around a year old.? Mom was wary about who and what I was, the lurking divorc?e with a low social profile.? Would I hate her kid?? Would her kid hate me? I was relaxed and didn?t pounce, so he came to me.? We got along great.? The mother said, ?I can?t believe how good you are with him.?? Shocking, I know, that someone who has a few social skills might know how to apply them to a small person. ??Animals like me.? Kids like me.? Whether or not I like them is another matter.? It all depends on the upbringing.? ?When I meet a well-behaved dog, cat or child, the heavens open up and the angels sing. ?How many well-behaved adults do you know, for that matter? ???? I also find the mommy (I?m sorry, the nanny) culture fairly nauseating in this city (Nueva York). ??Nannies nannies nannies and nary a mommy in sight.? Often mommy is clad in Prada, jewels, and fuck-me shoes to prove she?s still fuckable.? Jackie O. did it well and yet she was a class act.? She didn?t walk around trying to catch the attention of film crews, in fact, as we well know, her behavior was in direct opposition to that cause.? ?Everyone is so busy trying to ?look good? and ?do it all.?? I wonder if they do anything well.? Do they spend time with their kid?? I witness infants staring at iPhones, the new de facto babysitter at restaurants.? I observe grandparents with their spawn?s spawn on the bus.? The kid stares at video games and Grandma stares straight ahead.? Does anyone talk to each other?? Folk don?t even know how to maintain eye contact. ???? Parenting is undeniably hard work.? The only way I will consider it is if I am with a fit partner, by which I mean someone who takes incredibly good care of me.? Having been the ?nice one? in all my relationships, I look forward to the day when I can reliably and happily count on a man?s love and loyalty.? My father was one of those men, true blue, loving, gentle, sweet and strong.? I?ve never heard a bad thing about him from anyone.? The only crappy thing he ever did was die when I was five.? I can?t even hold that against him.? He was special.? Special men may be rare, but I only need one more. ???? I always promised myself when I had kids there would be no ?Barney? in my home, and that I would blast Prodigy on the sound system.? I?m not giving in to baby crap.? The fact that my home is filled with dog and cat toys is a totally separate issue.? ?In my parent?s day the home was not filled with toys.? The home was filled with grownups and grownup stuff.? If you had a toy, it was in your room, and it stayed there.? My cat and dog do not have their own room. ??They also don?t have hands.? ???? If I were to talk about my frustration at not having kids I would also have to include my frustration at not having a mate, something I never thought I wouldn?t have.? I believe he?s out there but I cannot make him simply ?materialize?, can I?? ?Pour reconstituted husband in jar, add wine, swirl and sip.?? I?ve done online dating (blcch) and all I can say is that I am intermittently a slut and a nun.? I?m in a nun phase right now.? ???? I?d like to prove them wrong, all the naysayers that say ?you have to do this? (go online to meet someone) and ?you can?t do that? (have a baby naturally after 50).? I say I can and I will.? First of all, it ain?t over till it?s over.? I?ve survived so well and so long that some of my friends are now getting divorced (this includes the ?buy buy baby? couple).? ?I?m ahead of the game here.? My wounds are healed.? I don?t have kids (a dating complication to be sure).? Also, people do have babies later in life.? They always have.? They used to be called ?change of life babies?.? Just when you thought you were done reproducing, there you are reproducing.? I, in fact, was just such a surprise.? ?My parents had my sister when they were 33 and while they wanted more kids, none came.? They gave up hoping.?? Nine years later I appeared at the front door. ???? A friend?s mom was 44 at her birth, another friend got pregnant at 47 (and miscarried, thank god, her boyfriend was a Godzilla scale nightmare) my chiropractor?s patient gave birth at 48?.and Sarah from the bible, how old was she, 100, 200?? Don?t tell me it can?t happen.? ???? The fact of the matter is I don?t want kids.? I want a family.? And a family starts with a solid, loving and secure relationship with my partner.?? If I had to choose I?d pick a partner over a kid.? I want that relationship.? The one I?ve never had.? Oh, I?ve dabbled with some doozies over the decades.?? I don?t want to be too mean, so I?ll just say I got ?the experience I needed?.? ?But I want a partner, best friend, a guy I?m comfortable with and who?s relaxed with me. ?Someone I can build a life with.? With this person I would consider having a child. ?If it?s in the cards, as I believe it is, you better believe I?ll be writing about the immaculate conception and miraculous birth.?? I?m not interested in test tube babies, hormones, shots, and petri dish progeny.? I believe in making babies the good old-fashioned way, and if me and my mystery partner can?t make that work, then so be it.? I eat well, look young, exercise and am in great shape.? I also believe in miracles and acts of god, so what?s the problem? ???? Some years ago I was asked in a channeling session if I was being the kind of parent I wanted to be to myself.? I thought long and hard about that.? Our parents set patterns in motion but it is we who maintain and prolong them.?? How was I parenting myself?? My mother was fairly intense and critical.? She loved me to pieces but the stress of losing both her parents early and her husband, well, I sympathize, but she took it out on me.? I?ve learned over the years to be kinder and gentler to myself, more loving, patient and nurturing. ?For this mother?s day, I bought my self stuff that one typically buys one?s mother, a lovely plush robe and pretty slippers.? ???? I?ve mothered myself for years, nurturing the lonely child.? Now I honor my Mother Self.? I am a ?hole in one? and whole in one, both Madonna and Child. ???? The process of turning my life around has been long and arduous.? But I have results to show.? I?m fabulous now.? I?m happy, complete, and still want a mate, a new home, and maybe a kid or two.? Though at times I think about the amount of work involved in having a baby?and I?m plain grateful to have only me, my dog and cat to take care of.? ?It took an annoying husband to bring me to this level of appreciation of solitude and self.? My home is my castle and I bask in its peace.?? I like me.? There?s no better place to start. ??2012

Source: http://ravingvioletvalerie.blogspot.com/2012/08/mama-non-mama.html

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Thursday, August 2, 2012

China's Yu quits badminton after scandal

One of the star Chinese badminton players disqualified from the Olympics for throwing a match has announced she is quitting the sport, saying her dreams had been "heartlessly shattered".

Yu Yang, who won a gold medal in the 2008 Beijing Olympics, and her partner Wang Xiaoli were disqualified by the Badminton World Federation on Wednesday for "not using one's best efforts to win a match".

"This is my last time competing. Goodbye Badminton World Federation, goodbye my beloved badminton," Yu Yang said on her Weibo, or microblog, late Wednesday. "You have heartlessly shattered our dreams."

Interviewed before the latest announcement Yu and Wang, who were among China's star players, winning the world championship in women's pairs badminton last year, both apologised to fans and pledged to play their best in future matches.

The scandal has been one of the most talked-about subjects on China's Twitter-like microblogs this week, with many fans calling it a "humiliation" for the national team.

Many responded to Yu's shock announcement with support and sympathy, although some remained critical.

"Go Yu Yang, never give up!" wrote a user called Zhao Yin.

"This is not your fault, we all understand," said another using the handle "Water World".

But another disagreed: "Yu Yang, this is what you deserve, please do not insult the Badminton World Federation or the noble sport of badminton."

The Olympic match-throwing scandal also saw the Badminton World Federation disqualify two South Korean pairs and one Indonesian duo for trying to lose their first-round games.

The players involved were charged with "not using one's best efforts to win a match" and "conducting oneself in a manner that is clearly abusive or detrimental to the sport".

The country's head badminton coach Li Yongbo said he should take the blame for the incident, which Chinese state media said "violates the Olympic spirit of fair competition."

"As head coach, I owe the supporters of Chinese badminton and the Chinese TV audiences an apology," the Xinhua news agency quoted him as saying in London Wednesday.

"Chinese players failed to demonstrate the fine tradition and fighting spirit of the national team. It's me to blame."

Yu's announcement came after the Badminton World Federation announced that the disqualified athletes could continue to compete in future tournaments.

London Olympics chairman Sebastian Coe described the scandal as "unacceptable".

Source: http://news.yahoo.com/chinas-yu-quits-badminton-scandal-050203581.html

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Buddhist Ceremonial Release of Captive Birds May Harm Wildlife [Slide Show]

Features | Evolution

Buddhists across Asia release wildlife as a show of compassion, but conservationists find that the practice tortures the animals and may impact threatened species


buddhist, captive bird ceremony, wild life, bird release View the Slide Show
Freshly captured from the peat swamp forests of southern Vietnam, this greater coucal will likely wind up on a dinner plate, as a caged pet or as a merit release offering.
Image: Courtesy of Rachel Nuwer

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A young Vietnamese woman?s husband fell ill. Desperate for a cure, she later recounted, she visited the local Buddhist temple. A monk there instructed her to ?release 40 birds, one for every year of your husband?s life.? So she did, purchasing and releasing 40 birds at the temple grounds. The woman soon rejoiced; her husband made a full recovery.

This is a common story in Asia, where ?merit releases? of captive wild animals are performed in Buddhist rituals. But the practice raises concern amongst the conservation community for its potential to impact threatened species. Before a bird can be freed, it has to be captured?often just after having been released by someone else. The result is the denuding of wild populations and a vast recycling of mistreated animals, most of which are likely die on one of their ersatz flights to freedom. As if that were not bad enough, the dead, disease-ridden animals are then sold in food markets.

? View Photos of Merit Releases in Asia

?We were staggered by the number of birds moving through this trade,? says Martin Gilbert, a veterinarian at the Wildlife Conservation Society who recently co-authored a study in Biological Conservation on merit releases. ?It?s a very good rational and understandable thing to do, to let captive animals go free,? he says. ?But in certain situations, it creates a trade purely for demand for animals in cages.?

Gilbert and his colleagues monitored daily sales of merit release birds in Phnom Penh, Cambodia, over a period of 13 months. From their findings, they estimated nearly 700,000 animals pass through the local trade annually. They recorded a total of 57 bird species in the cages, including globally near-threatened Asian golden weavers and vulnerable yellow-breasted buntings.?

?This paper highlights the potentially huge impact merit releases have on a few birds that are easily caught and are already of conservation concern,? says John Pilgrim, a conservation consultant who specializes in Southeast Asia and Melanesia and who was not involved in the study.

Gilbert says he knows of only one other study, conducted in Hong Kong, which attempted to estimate merit release figures. The numbers were comparable, reporting that Hong Kong Buddhist temples released up to 580,000 birds per year.

?It?s pretty scary that this [new] paper estimates just a dozen families in two small markets sold more than 630,000 birds per year,? Pilgrim says.

Conservationists do not know how the merit release market figures into Asia?s overall wildlife trade, which also exploits wild birds for pets, food, passerine fights and song contests. Globally, trade in wild birds impacts about 400 species that are listed on the International Union for Conservation of Nature?s Red List, or one third of all threatened bird species. No one know how many birds succumb each year to the wildlife trade since much of the trafficking is illegal, but within Southeast Asia alone, it is likely ?in the order of tens of millions,? says Kelly Edmunds, a researcher at the University of East Anglia in England who investigates the emerging infectious diseases amongst bird sellers in Asia and was not involved in the study.

Buddhists free captive animals in order to accumulate health and longevity merits for themselves and loved ones. The exact origins of the practice are unclear, though it was mentioned in fifth-century Chinese Buddhist texts that instructed followers to ?practice the act of releasing animals due to the mind of compassion.?

Source: http://rss.sciam.com/click.phdo?i=6634e5bfaf8d29dc8bc7842894793486

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Sara's House: Must Love Dogs


Isnt she cute? Lexi is our two year old german shephard and I adore her. She is a great addition to our family, along with the other three dogs we have. I love them. I have always been a dog lover, never fond of cats. We have four dogs because we have four children. One dog per child. Lol it makes perfect sense for us, maybe not so much for everyone else.
Michael Jackson has been with our family the longest, he is a three year old rotweiler/doberman mix. He is a biggggggggggg dog, but he thinks he is a yorkie. He will literally crawl into your lap or jump on you to give you a hug. He and I are kindred spirits. You can see his soul when you look into his eyes. I love him. He is the best dog anyone could ever ask for. I think large breeds get a bad rep, I have always been partial to them. Lexi and Michael are amazing with my kids. When they are playing in the back yard you will find these two right behind them. I never imagined myself owning a small dog, especially a daschund, but then I found Buddy. Buddy is my buddy. He is the most loyal dog. I like coming home to his little wagging tail greeting me at the door. Buddy is so smart and inquisitive. He thinks he is a great dane. ? If you are looking for your first dog, I would recommend a daschund. They do well in large homes and small dwellings. The interaction between him and the large dogs is surprisingly good. They all play very well together.
Last but not least, we have Abby, our 9 month old daschund. She is my baby girl. Abby can eat as much or more than any of the other dogs, but she only weighs 10 lbs. I love that she can hold her own with all the other dogs, and she definitely gives Buddy a run for his money. I am hoping to breed her in a couple of years. The puppies will be so cute. I love my dogs and feel like they are part of the family. Are you a cat or a dog person? What kind of pets do you have? Two totally different breeds, yet they look so much alike?

Source: http://sarashome-sarak83.blogspot.com/2012/07/must-love-dogs.html

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Wednesday, August 1, 2012

ShowBed.com ? Blog Archive ? Get Graphics Training to Utilize ...

31 July

Author: RiberdyCumba ?/ ?Category: Uncategorized

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Source: http://showbed.com/uncategorized/2012/07/31/get-graphics-training-to-utilize-your-own-innovative-skills/

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$126900 :: 510 S State ST, Lake Oswego OR, 97034 ? Lake ...

Property Photo

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1 bed, 1 full bath
Home size: 829 sq ft
Lot Size: 0 sq ft
Property Type: CONDO
MLS Number: 12590066
Community: Lake Oswego Village

Beautifully designed Zen-like condo remodeled to perfection. Smart design maximizes space & efficiency to make home live large. Other details incl oak floors, slab granite, SS appliances, office nook, reading room, covered deck & more. Relaxing lakefront common space & courtyard. Beautiful setting close to public trans, shops,cafes. Option to purchase home furnished exists.

Listed with Meadows Group Inc., Realtors


Brought to you by Chris Larsson, Coldwell Banker Seal. Call me today at 503-683-2897!

The content relating to real estate for sale on this web site comes in part from the IDX program of the RMLS? of Portland, Oregon. All real estate listings are marked with the RMLS? logo, and detailed information about these properties includes the names of the listing brokers. Listing content is ? 2009 RMLS?, Portland, Oregon.


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Tags: Chris Larsson, Sale, Coldwell Banker Seal, $126900, 97034

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Chris Larsson- Lake Oswego Real Estate Agent

Let me help you find everything you need to know about buying or selling real estate in Lake Oswego, OR! I have been a top-producing Coldwell Banker real estate professional for over 8 years in LO. I am 120% dedicated to providing world-class concierge level service to my clientele.


SEARCH THE LAKE OSWEGO MLS AND REAL ESTATE LISTING HERE...

Source: http://www.97034realestate.com/blog/126900-510-s-state-st-lake-oswego-or-97034-lake-oswego-homes-for-sale-lake-oswego-real-estate-97034-lake-oswego-real-estate-agent/

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Effective Ways Of Debt Negotiation - Business Negotiation

12:00 AM By Article Directory

'; div.innerHTML = summary; } //]]> Effective Ways Of Debt Negotiation Effective Ways Of Debt Negotiation

If you are planning to go for debt negotiation with assistance of a financial firm, then you must follow certain debt negotiation tips that can surely fetch you maximum reductions on your debts. Some of the financial companies offer various schemes to the defaulters so that they can recover some amount of money with their aid. In order to take maximum advantage of these schemes debt settlement should be done in an ideal manner. Here is a guide that will allow the defaulters to plan their debt negotiation in a perfect method.

• Negotiate on the Rate of Interest:

It is advised to the debtors that they should ask for lower rate of interest from their creditors, because it becomes increasingly difficult to pay the interest along with the actual amount. When, you fail to make the payments of your credit cards, or other installments, then the rate of interest increases greatly. Hence, in case the rate of interest is negotiable, you can manage to get a reduction of about 2% as compared to the average interest rate.

• Exemption on Processing Charges:

You should always check if there are any charges for the ATM processing or any fees for the late payment. In case, there are these additional charges, you should ask your creditor to lower them. There are various companies who offer a concession on these charges while some companies do not. This should be confirmed before hiring any financial firm.

• Preparation of Payment Plan:

Before approaching a financial firm for debt negotiation, you should be ready with a payment plan and the statement of previously made payments. If you have been regular in making the previous payments, there are chances that the creditors will reduce the debt or offer a more convenient payment plan.

• Lump sum Payment:

By the means of debt settlement program, try to find out whether the companies that have issued the card accept the lump sum payment or not. If they do, than the chances of getting a reduction on your debt amount increases greatly.

• Consult a Good Debt Negotiation Counselor:

Always try to seek professional help by approaching a debt negotiation counselor who can guide you throughout the process of debt negotiation.

Source: http://business-negotiation.blogspot.com/2012/08/effective-ways-of-debt-negotiation.html

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