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Debt Negotiation Vs. Debt Management
Debt negotiation and debt management/consolidation both help
consumers pay off their debts through two different approaches.
Each affects your credit score, payoff period, and taxes
differently. Before choosing either options, be sure...
Debts Negotiations
If you're in a really bad situation, and you just can't even
make your minimum payments this month, don't worry. You can
negotiate your debts, and pay back much less than you owe - as
long as they get their debt plus interest in the end, no-one...
How to Quickly Improve Your Credit Score by Adding Positive Payment History to Your Credit Report
Most consumers are aware that negative items on a credit report
can be disputed with the three major credit reporting bureaus.
Often, this process can lead to a significant improvement in
credit score through deletion of the derogatory items that...
Negotiating Rates with Your Credit Card Company
Ok, let’s face it, everybody hates high credit card rates, and they drain hard earned money out of your wallet. As a valued consumer, it is apparent that you learn how to negotiate to get the absolute best rate that you possibly can. The good...
Risk Identification, Assessment and Allocation in Buying a Business
The processes and considerations involved in buying a business
are more involved than merely identifying the business that
meets the potential buyer's financial criterion, making sure
that the buyer can make money from it and then determining...
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Setting Boundaries: Business Clients and Boyfriends
by Ellen Zucker
Setting boundaries is necessary in any human relationship.
Whether you’re dealing with an overly demanding business client or a boyfriend with wandering hands, sometimes you just have to say “No!”
In fact, there are many parallels creating successful relationships with business clients and boyfriends.
For both, most problems can be avoided by laying down clear, straightforward boundaries.
In the business arena setting boundaries is done by negotiations, written materials such as rate sheets and brochures, and most important, contracts.
Good relationships enjoy a certain amount of give-and-take and compromise. But when demands become unreasonable, it is time to say put your foot down.
That is because human relationships work best when they are conducted with mutual understanding and respect. Intelligent boundary setting goes a long way to set up a structure where mutual respect can flourish.
Good relationships are based on an even exchange. Generally, the exchange is money for goods or services on the part of you and your business client. For the boy and girlfriends it will be a mutual emotional commitment.
A girl who gives her heart and soul to a boy who is looking for a ‘one-night stand’ is an example of someone who enters into an unequal exchange.
Is that situation really so different from a small business trying to break in with a large, high profile client who can pick and choose among many small vendors? It is not uncommon for some less than scrupulous large clients to seek out small hungry suppliers, give them orders large enough to monopolize their capacity, and demand all manner of concessions.
In both cases, the small partner, like the besotted young girl, wants the partner too much.
Ideally both partners in a business transaction want something
the other has to offer, but not too much. If you are the small business drooling at the prospect of the large order from an attractive client at a time when your sales are down, be careful. You are likely to have difficulty setting boundaries and give away too much.
In order to stand firm in your negotiation, you have to have a firm sense of your worth. Fake it if you must. Refuse to make any decisions on the spot if you don’t feel that you can trust your judgment under pressure.
Some clients, like some boy (and girlfriends) turn out to become demanding or difficult.
A designer is asked to perform a small, routine job. The client is not satisfied and asks for modifications. The designer complies. The client asks for more modifications. The designer complies. The designer complies. The client asks for more modifications. The client asks for more modifications …
This seemingly small job is quickly becoming costly. It is eating up the designer’s time and preventing him from working on other business.
Like a woman strung along forever by a partner unwilling to commit, this designer has to set boundaries with his client.
At this point, he can try to renegotiate the terms of his transaction to get additional money for his time. But if the client is unwilling, the designer has to decide between expending more time and effort into satisfying a difficult-to-satisfy client, or walk away from the job.
By setting boundaries, the designer can limit his losses in this not-uncommon situation.
About the Author
Self-Employment 101: It's about making a living and creating a life! ... Observations, information and resources for those of us who are self employed or just thinking about it.
Ellen Zucker is owner of http://www.selfemployment101.com and has been successfully self-employed for more than 10 years.
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| Negotiation - Wikipedia, the free encyclopedia |
| The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
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