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Are you stuck for good birthday present ideas? This happens all the time because we never know what the person has or hasn’t got already. Here are seven (7) great birthday present ideas that you can be pretty sure they probably don’t have:

1. Digital picture frames. These have only been recently been introduced in the last year or so and are starting to gain in popularity. You can download the pictures for them and all of their family and friends so they are on it already when you give. If you are at a party, take some pictures then and put them on. Great way to personalize them.
2. Personalized plates. This one is more for the younger person (or older person). Your own one of a kind present with your choice of background, font, font colour & symbol in the middle if one is desired. Kids seem to really appreciate this one as it gives them a sense of ownership.
3. Custom jigsaw puzzles. They are made from your own snapshots, personalized holiday greetings, children’s name puzzles and more! As one of our birthday gift ideas, this one is interactive and keep the gift receiver busy for a while.
4. Name a star. Have you ever heard of anyone getting a star named after them? There are Star Registries that sells gift packages that sell certificates for the person you are dedicating them to by date and telescopic coordinates of the star. One of the more romantic birthday present ideas.
5. Customised toys – this is the way of the future in toys. Toys like; Styled by Me Barbie, Create Your Own Steiff Bear, Elmo Knows Your Name and Make Your Own Maclaren stroller. For all these toys you can personalize just the way you like.
6. Personalised sneakers – you can design and personalize more than 100 shoes by choosing from hundreds of colours and styles for laces, soles, thread and shoe fabric combinations. You can even put your own name or saying on the back of the shoe. One of the most popular sites to do this on is Nike.
7. Custom Figurines – as birthday present ideas these are great. Using your photo for reference, a professional sculpture will create a custom caricature figurine in your likeness. The figurines are about 5 inches tall and are made of a fine polymer clay resin that are sculpted with tiny tools. They are then hand painted with expert finesse to make them look like you. One of the really fun birthday present ideas.

Hopefully one of these birthday present ideas will inspire you to find something that’s suited to the person you’re buying for. If not, you can always resort to a cheesy gift voucher – oh wait, you can get those customised too!

Choosing the best debt negotiation Companies

The best debt negotiation companies offer service via local offices or telephone, however; the most effective way that these companies operate is usually by the Internet. Many negotiation and credit counseling services are nonprofit, but take CAUTION: Just because the organization is non-profit does not mean that its services are free or even affordable!

The best debt negotiation company should have standards. These standard include:

1. Demonstrate reputable services- the company is able to advise you on managing your money and debts, the company can help you to implement a budget based on your PERSONAL financial needs and obligations, these companies should also offer free workshops and information. (NOTE: This is a red flag in the reputability of the company! They should be interested in helping you to negotiate your debts and counsel… NOT just make a dollar!)

2. They should give you free information about itself and its services.

There is nothing wrong with asking for information on services, and the company should be willing and able to assist you with information on these services. If the company does not want to release information, this is often a red flag! As well, this information should be free! Hey, you are in debt! Why in the world would you PAY for free information?!

AUTHORS NOTE: Avoid companies that push a DMP, or a Debt Management Plan, before they spend a significant amount of time evaluating your financial situation.

Do your homework!

Finding out information from the debt negotiation company or credit counseling organization is essential in choosing the best debt negotiation company. Find out if the company offers other services. A company that offers a range of services is best. Especially those that offer budget counseling and classes.

Also, let me emphasize the importance of those debt negotiation sources, that offer free information and educational material. This is a good way to tell what kind of company you are working with.

Another sign of a quality company is if the company offers you ways to avoid becoming in debt in the future. You do not want the company to just solve your immediate problem, but you want to stay clear of any possibilities that you may acquire this situation again in the future.

In your search for the best debt negotiation company, make sure that you ask questions. As many questions as you’d like! Ask the company up front, what their fees are. You need to know, and if you can get those fees in writing even better!

Is the company licensed to work in your state?

This is an important question to ask. You want to make sure that the company you are dealing with is even licensed to work in your state. Because there are at times issues with scams within the debt counseling services industry, some states do not allow certain companies to operate in their state. Make sure you ask this very important question. A good company, once they receive your application, will tell you up front.

Other tips and advice for finding the best debt negotiation company.

1. Formal agreements- DO NOT SIGN ANYTHING without reading it first! Make sure that you look over all of the details of your contract.

2. Qualifications of the Counselor- Find out what the qualifications of that counselor are. Were they trained under an accredited or certified organization?

3. How employees are paid- Looking at the way the employees are paid is HUGE! Are they paid on commissions? Note: Just because a counselor is paid on commission does not necessarily mean that it is not a reputable organization. This is just a flag that you want to be aware of when signing up for services.

HOW DO I SIGN UP FOR DEBT NEGOTIATION SERVICES?

REMEMBER do your homework! Using articles, or a lens, blog, and other sources of information (Sources such as this one) will help you to find debt negotiation and credit counseling services.

The best thing to do is go online and APPLY!

Applying at various sites for debt negotiation services is the FREE and quite simple. This is the FIRST STEP in finding out about the various companies!

Apply at multiple sites, then do a compare and contrast of the services and offers.

Make sure that when the counselors calls, that you use the information provided above to find out about the company!

It is a far too common procedure for lecturers to prepare presentations with a few pages of notes made up of linear sentences. They stand up behind the podium and start to read, expecting their diligent audience to take ‘proper notes’. They drone on monotonously at a pace enabling their audience to copy their words. Drooping shoulders and heavy heads become more and more visible. Is this method actually doing any good? No, Words alone are worthless in helping in understanding and remembering. Not only are they boring but they do not represent the brains naturally fluid nature. Presentations need to impart information in a form that is easily digested by the brain. The most effective presentation will include key words, images, colours, visual rhythms, connections and associations. These are main aspects in triggering imagination, a key process in learning. But how do you achieve these in a presentation?

Mind Maps are perfect for structuring and organising:

It is important that you Mind Map the basic facts of your presentation before you even begin to concentrate on the subject matter. Mind Maps are perfect for structuring and organising current ideas and plans in a memorable way for presenting to others. Firstly, you need to know who your audience is and what they stand to benefit from your presentation. Your Mind Map may include branches such as ‘case studies’, ‘analysis’, ‘inspiration’, ‘understanding’ etc. with the aid of this mind map you will be able to turn the key words and ideas into a coherent order ensuring that you use hard data to back up any views or ideas that you may use in the presentation. Ensure your central image incorporates the subject while the branches must represent the subjects for discussion. By using a Mind Map, you will find your role in a wider context will be clearer, and will find it easier to stick to your subject as your thoughts will be less likely to wander off on a tangent.

Be Bold – use images and colours:

In your presentation you should use images, colours, symbols etc this is one of the most effective ways of getting your point across. The visual stimuli will make the presentation more dynamic and interesting. A long list of boring information can be transformed into colourful, memorable, highly organized diagrams that reflect your brains natural way of thinking and encourage synergetic thinking. Therefore in your Mind Map include a branch of thoughts and ideas to make you presentation more fun, interactive and memorable for your audience.

Practice makes perfect:

It is important that one of the branches on your Mind Map should focus on the practice you feel is necessary to ensure that you do not over run your allocated time. You may also use the Mind Map to allocate how much time you would like to spend on each topic.

How can computer software help you?:

Thanks to computers, presentations have become even easier with the aid of state of the art Visuals. With Mind Mapping software available such as Tony Buzan’s iMindMap, computerised Mind Maps can be transferred to Power Point. Do not fall into the trap of believing that using Power Point means simply making a linear list of sentences and phrases, this will fail to keep your audience interested and able to learn. Interaction with your audience is another key aspect to a successful presentation. This can be achieved by building up the mind map as you share your information with your audience and asking them to contribute any ideas or thoughts to the Map. Alternatively, encourage your participants to take notes in the form of their own individual Mind Maps on your presentation. This will require the audience to think for themselves and encourage active participation; consequently the audience are more likely to get the most out of your presentation. Mind Maps allow participants to break the linear tradition of note-taking and helps them to make appropriate associations and absorb more information effectively.

You should now be ready to start planning a great presentation, so good luck.