With Christmas Decorations in Place, We Think of the Presents!

With Christmas decorations in place we turn our thoughts to presents to give to others. If someone has a fancy for cooking a wheel of cheese will be a thoughtful gift. We can give cheese of many flavors to them before the Christmas celebrations and it can be used to cut up with fruit to make a nice appetizer platter.

There are many kinds of cheeses with specialties made worldwide. One cheese is made with buffalo milk to give it a different flavor. The base for other cheeses can be found to be made with goat and sheep milk. For a special someone there are cheeses shaped like pears and dipped in wax to keep it pretty. Some are made with portabella mushrooms and some mellow with wine, this would be special for Christmas. If the cheese you give them is from another country make sure you give the companies time to receive it for your holiday giving.

There is the traditional colby or cheddar cheese that you can use in your recipe for cheese balls. Cheese balls are easy to make using cream cheese with onions and spices of your preference. Mixing them up together to let all the flavors meld together.

You can place your homemade cheese balls in a wooden bowl, or wrap it up and set it on a cutting board. When you get someone a cheese block you can include a cutting board made out of marble keeping the cheese cool til you have the job complete.

This is a perfect Christmas present for anyone that loves to eat. They can use it to make their own grilled cheese or nachos. They will remember you long after the holidays. Most of the cheeses included are easy to keep and some will freeze.

Negotiation is not a Destination

You’ve heard about negotiation before, perhaps you agree that it’s needed. But how will a negotiation process that’s specific to sales enhance your strategy and help you win deals?

If there’s one thing everybody knows about sales, it’s that serious negotiation starts when you and your customer or prospect sit down together to close a deal. Right? When people hear the word ‘negotiation,’ they think, “Oh, that happens at the end of the sales process”. The best salespeople start thinking about negotiation much earlier — sometimes even before they’ve made the first contact.

Negotiation is not a destination that you reach at the end of a sale, nor is negotiation about one party winning and the other losing. Negotiation is part of each step of the sales process, not a one-time event. It begins prior to the first sales call and ends with customer recognition of the value your product or service brought to his business.

Interests, options and deal-breakers
Too often, salespeople don’t dig enough to find the customer’s real interests. They need to find out whether the client’s focus is around price, or around the terms and conditions or around something else.

In general the goal is to satisfy clients and provide them with service they consider valuable. When you negotiate from the very beginning of the sales process, you uncover the buying organization’s interests and can therefore generate more creative options. You learn the criteria on which their interests are based, and you discover deal-breakers. You explore how both parties can win. Perhaps even more
importantly, you discover if both parties can win; after all, it’s far better to lose quickly and exit the situation, thereby wasting fewer resources, than to lose slowly.

Achieving the end goal
Additionally, since the end goal is repeating customers, there’s no advantage in creating a situation where you win and your client loses. If your negotiation leaves a bad taste in your customer’s mouth, it’s less likely that they’ll come back to you for more products or services. Conversely, by negotiating in a way that allows both parties to win, you set up an environment that is conducive to a long-term
relationship.

Incorporating negotiation into the early stages of a working sales process leads to deals–and client relationships–that are more mutually beneficial.

Negotiate a Home Loan Modification – Here Are Your Options

When the homeowner deals directly with the lender, there shouldn’t be any fees associated with the modifying your mortgage. When you negotiate with your lender, it is important to be prepared. Have a complete financial analysis – this includes all sources of income and all expenses. It is important to have all documents prepared to negotiate with your lender, a complete loan modification kit can help with this. Also keep in mind that lenders negotiate with the following guidelines:

o Maximizing returns on mortgages
o Minimizing losses on mortgages
o The best interest of the stockholders and the bottom line

If you don’t feel that you can successfully negotiate for yourself, there are other options. Using a home loan modification company is one such option. If you choose to use a professional like a home loan modification company, there will be fees paid for services rendered. A company that specifically deals with modifying home loans will have a diverse staff with the experience needed to successfully negotiate with your lender. The combined experiences and backgrounds of the company’s employees can be a powerful force in your favor when negotiating a home loan modification. When choosing a company, make sure they are able to deliver what they promise. Never work with a company that asks for an upfront fee and always check with references.

Another option is housing counseling agencies that have been approved by HUD. These agencies are funded by tax dollars and perform home loan modifications at no cost to the consumer. With the current economic down turn and the rise in the number of homeowners needing assistance, these agencies have become overwhelmed with cases and are forced to turn people away.

If you do not feel comfortable negotiating for yourself, you may feel that hiring an attorney is right for you. Make sure to find one that will fight for your best interest. A good attorney with ample experience negotiating modifications to mortgages can be a good way to get yourself a modification that will get you back on track and keep you there. Many home loan modification companies have attorneys on staff, which is something else to consider.

Remember, that while lenders are going to negotiate for terms that are in their best interest, an attorney or home loan modification company will fight for yours. If you are going to hire either a company or attorney, it is a good idea to conduct an interviews. If possible, conduct the interview in person and at their office in order to get the most accurate impression.

Questions to ask:
o What are all the costs associated with getting you a home loan modification?
o Are the fees flat or hourly?
o How many modifications have you successfully completed?
o Are there any customers you can speak with to get a recommendation?

If you find yourself falling behind on your mortgage, there are remedies available. Calling your lender and opening the lines of communication is the first step in solving your mortgage problem. When entering into negotiations with your lender, remember that they will have their best interests in mind, it is your job to fight for your best interests. If you feel that you will not be able to successfully negotiate for yourself, there are agencies, companies, and professionals available to assist you. Using one of these options may cost more than negotiating for yourself, but they be better able to get you a modification that will be a long term solution.