Just Because A Man-Woman Says They Need Space Doesn't Always Mean The Relationship Is Over

One day you meet this really fantastic person. There is strong chemistry there and so you think this is it. You immediately put yourself out there and instantly go "overboard" doing too many things to show the object of your interest and attention that you are very much in love. And when you thought it couldn't get any better, he/she says those dreaded words, "I need some space." You lose control of your thoughts and emotionally collapse and lash out. This eventually leads to an ending that is deeply disappointing.

Many men and women miss out on relationships with great potential simply because they assume "I need some space" always means the relationship is over.

"I need some space" is especially very confusing for men and women who grew up in an environment which was unstable. They easily get bothered by sudden changes and the "not knowing" what's going to happen next overwhelms, frustrates and depresses them.

Just Because A Man-Woman Says They Need Space Doesn't Always Mean The Relationship Is Over

The real tragedy here is that when you overwhelm a man or woman with your desperation, neediness and anger, you force him/her to actually think about ending the relationship. Your strong drive and determination to get attention and love is likely to get you into difficult situations because you want things going faster -- your pace, your call. What you get is men and women literally running for their lives, "It's best if we had no contact", or "Just leave me alone," or "You are too much for me".

This is why it's crucial that you understand that "I need some space" doesn't always mean I am no longer attracted to you or the relationship is over. Sometimes when a person says "I need some space" all they are saying to you is that, at this time, the value of what you are offering does not justify me taking a risk or investing more than I already have. Many men and women hesitate because they fear that they might be making the wrong decision and will regret it later.

If he/she asks for his/her "own space" don't automatically assume this is a pre-breakup situation.

1. Give him/her the "space" he he/she needs. This is his/her opportunity to come face to face with his/her feelings for you, don't get in his/her way. This may even be a chance for both of you to reassess what you have and work on what you might have in the future.

2. Ask him/her what possible compromises he/she is willing to make (may be meet once a week, weekends only, every other week? etc.) then give him/her the space he/she needs. If he/she refuses to compromise, then you know for certain that they're looking for ways to end the relationship. A person's body language will tell you more about their particular state of mind.

3. If he/she is willing to make some compromises don't force him or her to pay more attention to you than he/she is willing to. Repeated attempts to get back a man or woman who is "scared" for his/her life is completely useless. Only a significant space of time and a new type of approach will have any effect on someone whose guard is already up and whose sensitivity is razor-sharp.

4. It is important that you understand that giving him/her space does not mean you don't have anything to do with him/her. On the contrary, maintain your contact with him/her, but make the "contact moments" work to your advantage.

The most effective way to do this is employ a little playful resistance or what we commonly know as playing hard-to-get. Keep in mind that not all playing hard-to-get rules and actions are designed to make someone fall in love with you. Many of the popularly promoted playing hard-to-get "techniques" out there actually drive someone away instead of make them want you more.

The best kind of playing hard-to-get is one that creates more love than resistance. Using a little bit of playful resistance, you can create a "FRIENDLY SPACE" for fair negotiation, easily eliminate a man or woman's reservations about the relationship and concerns about making a long-term commitment and motivate him/her to take the action of risk and to want to invest more in you and the relationship.

When you understand this very engaging and bonding game, you can turn the "I need some space" into a "Let's try it again" or even "This is what I want!" Simply saying it to them is not enough, they need to SEE by your actions that you really understand what they want in a relationship.

Just Because A Man-Woman Says They Need Space Doesn't Always Mean The Relationship Is Over
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Christine Akiteng is an internationally renowned Sexual Confidence/Dating Coach and author of e-Books: The Art Of Seducing Out Of Fullness, Breaking A Bad Relationships Pattern, and Playing Hard-To-Get The Love Way.

http://www.torontosnumber1datedoctor.com

http://www.theartofseducingoutoffullness.com

http://www.playinghardtogettheloveway.com

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Credit Card Charge-Off - What Does It Mean and What Should You Do About It?

Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or later you will hear a creditor representative threaten you with the dreaded "charge-off." So what is a charge-off anyway? Should you be worried? What are the consequences of this mysterious event?

I'll start by explaining what a charge-off is NOT. Because the term includes the word "charge," many people mistakenly think it has to do with cancellation of the account by the creditor. In other words, you can't "charge" anything on your credit card anymore. But it's not the same thing at all, and most banks will revoke charging privileges around 2-3 months before the deadline we're talking about here.

What banks and bill collectors call a "charge-off" is the point at which the creditor writes off the account balance as a "bad debt." It usually happens after six months of non-payment. After that, they no longer count it on their books as an asset. You still owe the money, of course. And they will certainly make continued attempts to collect it from you. But the creditor has been forced by the rules of accounting to zero out the debt on their financial ledgers. For causing this loss, they will punish you by placing a derogatory mark on your credit report. A "charge-off" is a serious negative mark, to be sure, but it is not the financial ruination that debt collectors would like to have you believe it is.

Credit Card Charge-Off - What Does It Mean and What Should You Do About It?

Should charge-offs be avoided if possible? Certainly. Does the prospect of a charge-off mean you should panic if you have no way to pay the bill? No! Is it the end of the world if the account has already charged off? No! Too often, bill collectors make a charge-off sound so bad, and they apply so much pressure, that people cave in and make payment commitments they cannot keep. Collectors usually demand payment via post-dated checks, and this frequently leads to bounced checks and even worse financial problems. Most of us are brainwashed by the banks and media on the subject of credit. Sure, good credit is important. But committing to payments you really can't afford just to preserve your credit is like watering the lawn while your house is burning down.

Here are a few simple rules to follow when trying to avoid a charge-off that hasn't happened yet:

* Don't be intimidated or threatened by pre-charge-off collection tactics. Keep a cool head and don't take it personally when collectors try to get under your skin.

* Call your creditor to find out the minimum payment necessary to avoid the charge-off, and subsequent payments to keep the account current going forward. Don't commit to this payment (or series of payments) unless you're sure you can follow through.

* Negotiate a lump-sum settlement at 50% or less if you have the resources, or a workout plan for monthly payments that you can live with.

* Do not allow bill collectors to talk you into using post-dated checks, or providing your checking account details over the telephone. Instead, make payments via cashier's check or money order.

* Do not make payments based on a verbal arrangement. Get the deal in writing and signed by a creditor representative who has authority to approve the workout plan.

What should you do if you simply don't have the money to rescue the account from charge-off, or if the account has already been charged off by the creditor?

* Take a deep breath and relax; the sky won't fall on your head just because you had a charge-off.

* Realize that you still have an opportunity to resolve the matter by dealing with the original creditor or the collection agency assigned to the account.

* Negotiate a lump-sum settlement with the creditor or collection agency. Again, aim for 50% or less, and ask for the charge-off to be deleted from your credit report as a condition of the settlement. (Most creditors will not agree to this, but it's worth asking anyway. Do be sure that they will update your credit report to show that the matter has been resolved and the account has been satisfied.)

* If you can't work out a deal with the collection agency assigned to your account, then wait until it goes to another agency! Eventually, it will either be assigned or sold to an outfit that you can deal with to get the matter cleared up.

To sum up, a charge-off is not the end of the world. It should certainly be avoided if possible, but not at the risk of making things worse by committing to payments you're not sure you can keep up with. Just remember that the creditor doesn't want to see a charge-off any more than you do, so use that knowledge to your advantage in working out a mutually acceptable arrangement. Get everything in writing, don't disclose your checking account details, and follow up to make sure the creditor reports the matter correctly on your credit report. You'll find that it's easier than you think to resolve a charge-off situation before it happens, or clean it up if it's already taken place.

Credit Card Charge-Off - What Does It Mean and What Should You Do About It?
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Charles J. Phelan has been helping consumers become debt-free without bankruptcy since 1997. A former senior executive with one of the nation's largest debt settlement firms, he is the author of the Debt Elimination Success Seminar™, a five-hour audio-CD course that teaches consumers how to choose between debt program options based on their financial situation. The course focuses on comprehensive instruction in do-it-yourself debt negotiation & settlement designed to save ,000s. Personal coaching and follow-up support is included. Achieves the same results as professional firms for a tiny fraction of the cost. http://www.zipdebt.com

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Negotiation - Setting the Scene

Just imagine if, after all your personal preparations, rehearsals and visualisations, you meet up with the problem person in a parking lot, in the hallway, on the factory floor, in their office, or even in the kitchen.

How would you feel?

Have you practised for such an eventuality? This can very easily happen.

Negotiation - Setting the Scene

You need to be prepared and in control of everything.

Again, imagine, just as you are about to execute your well-rehearsed script for the negotiation, the phone rings, someone unexpectedly comes along, a dog barks, or their other distractions.

Would you feel like you have lost control of the situation?

The more you are involved in choosing the time and location for the negotiation, the more you are in control, and are perceived to be in control.

That is, you decide the following:

The venue where the encounter will occur

o Ideally, a negotiation encounter should take place on neutral territory.   This gives both parties the feeling that they are starting out on equal footing, and will do great things for rapport building

o If it is not possible to find a neutral setting, then make sure that if you use one where you feel comfortable, for example in your office building, and not in the office building of your counterpart.  That person should not have a psychological advantage over you

o Always in ensure that other people at the venue know that a negotiation procedure is occurring, so that you will not be interrupted.  Specify that you will not take phone calls, accept any visitors or tolerate any other interruptions.  You, of course, need to make sure that your mobile phone (cell phone) is switched off, not on silent (stun), but switched off

o If you need to consult with someone, you would request a break in the proceedings

Arrangement of the physical layout

o You will have all agreed on where the encounter should take place, so you would know about the physical layout including how and where the refreshments will be served

o It is an advantage if you are ask your counterpart if s/he would like a cup of tea or coffee or a cold drink, and serve her or him. This will take any hostility out to be air, as you are placing yourself in a more subservient position

o Couple this with pleasant small-talk and the rapport building process commences

o Make sure that you are in a sitting position that is beneficial to you in the encounter, and that includes that your counterpart is also sitting and not standing.  Preferably you should be facing the door

Controlling the date and time

o Again it is important for you to take charge of the date that the encounter will occur, and the time all day.  This ensures that you feel confident as you will be properly prepared, and you choose the time of day when you operate best, morning or afternoon

Who will be present?

o To not get any unpleasant surprises on the day, you need to have agreed upon who else will be present, if anyone

o If it is a particularly unpleasant negotiation topic, and a mediator is required, you both need to agree on this person

o Both parties need to justify if a third party is requested, such as for moral support, a witness to the proceedings, someone who is respected by both parties, or someone from human resources

o If someone unexpectedly appears, you are within your rights to postpone and reschedule  the negotiation process

This is part of the pre-planning that is so important if both parties, at the end, will feel a win-win situation has occurred.

And, of course, smile and be pleasant.  This also shows you are confident.

Negotiation - Setting the Scene
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Gloria M Hamilten is a recognized authority in disciplines within Personal Development and People Skills for Business Professionals, such as Time Management, Negotiation Skills, Developing High-Performance Teams, Assertion Skills, Building International Rapport, Conflict Management and Resolution, Presentation and Platform Skills.

Her studies in Neuro-Linguistic Programming and Psychology have lead to her researching brain disorders such as AD-HD and its relations.

She has her own training business, and conducts courses for Corporate Organizations, Sporting groups and Tertiary Educational Institutions in Australia.

Her professional experience covers over 30 years of study, research, one-on-one coaching, group coaching, presentations and workshops. Her clientele includes children as well as adults.

Gloria Hamilten has authored the eBook: "Practical Self-Hypnosis for Success" and many Reports and online articles.

Her websites provide a wealth of informative articles and resources on everything within these genres.

Visit her websites:

[http://www.connect4results.com]

http://neuro-linguistic-pro-site.com

This article may be freely reprinted or distributed in its entirety in any ezine, newsletter, or website. The author's name, bio and website links must remain intact and be included with every reproduction.

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Negotiation - Tactics, Tricks And Threats

Most successful negotiators recognise that the way people involved in negotiations behave does not always reflect their true feelings or intentions. We are going to look at negotiating tactics that may be used by you or on you. Whether or not you choose to use these tactics, it is vital to understand:

o Tactics work

o They can be being used on you, and can be used by you

Negotiation - Tactics, Tricks And Threats

o Once they are recognised as tactics, their effects are reduced, or eliminated

You may feel that there is no need in your particular case to negotiate or resort to tactics. in negotiation. This is a matter of personal choice.

In general, tactics are used to gain a short-term advantage during the negotiation and are designed to lower your expectations of reaching a successful conclusion.

There are many tactics available to negotiators. Here are some you may recognise.

Pre-Conditioning:

This can begin before you even get together, or start your negotiations with the other party. Let us take a sales example:

You telephone for the appointment and the other side says, aggressively:

"Don't bother coming if you are going to tell me about price increases. You'll be wasting your time and I will be forced to speak to your competitors".

When you do arrive you are kept waiting in reception for half an hour, without being told why. As you walk through the door into the other person's office they indicate for you to sit down, but they don't look up. Instead, they sit leafing through your competitor's brochure, in silence, ignoring your efforts to make conversation.

You are given an uncomfortable low chair to sit in that happens to be directly in line with the sun shining into the office. At this stage, how confident do you feel?

The Monkey On The Back:

Some negotiators have the irritating habit of handing their problems to you so that they become your problems. This is the "monkey on their back" that they want you to carry around for them.

A classic example is the person who says, "I have only got £10,000 in my budget".

This is often used tactically to force a price reduction. Here is what you can do.

When one side says "I have only £10,000 in budget", look concerned and say something like:

"That is a problem. As you are no doubt aware, the cost of our systems can be anything up to £20,000 and I really want to help you choose the best system that meets your needs. Does that mean that if one of our systems has everything you are looking for, but costs £20,000, you would rather I didn't show it to you?"

The "monkey" has been returned and they have to make a choice. If the objection is genuine and the budget figure is correct, you must try to look for an alternative that meets your needs as well as theirs.

If they genuinely can only spend £10,000 that is not a tactic but the truth. In dealing with tactics the first decision you must make is whether it is a tactic or a genuine situation. If it is genuine, you have a problem to solve, rather than a tactic to overcome.

The Use Of Higher Authority:

This can be a most effective way to reduce pressure in the negotiation by introducing an unseen third party and can also be effective in bringing the negotiation to a close.

"I need to have this agreed by my Board of Directors." "If they agree to the terms we have discussed, do we have a deal?"

However, be careful to use this device sparingly so that the other side does not begin to feel you have no decision making authority yourself.

One way of countering this tactic is to say before the bargaining begins: "If this proposal meets your needs, is there any reason you would not give me your decision today?"

If the other side still wishes to resort to higher authority, appeal to their ego by saying: "Of course, they will go along with your recommendations, won't they? Will you be recommending this proposal?"

Nibbling:

Negotiations can be a tiring process. As the point draws near when an agreement is likely, both sides exhibit a psychological need to reach agreement and get on with something else.

You are very vulnerable as the other side reaches for their pen to sign the order form or contract, to concede items that don't significantly affect the final outcome. "Oh, by the way, this does include free delivery, doesn't it?" or "Oh, by the way, the price of the car does include a full tank of petrol?"

Nibbles work best when they are small and asked for at the right psychological moment. Like peanuts, eat enough of them and they get fattening.

Good negotiators will often keep back certain items on their want list until the very last minute when the other party is vulnerable. Watch out for this.

The Good Guy And The Bad Guy:

You may have come across this tactic before or else seen it used in films or on television. This is a tactic designed to soften you up in the negotiation.

For example, you are negotiating the renewal of your service contract with the Buying Director and his Finance Director. You present your proposal and the Buying Director suddenly gets angry and walks out in disgust muttering to himself about how unfair you have been and how the relationship is well and truly over.

You pick up your briefcase and are being shown the door when the Finance Director smiles at you sympathetically and says:

"I'm terribly sorry about that. He is under a lot of pressure. I would like to help you renew your contract, but he really will not consider the price you have suggested. Why don't I go and talk to him for you and see if we can agree a compromise? What is the bottom line on the contract? If you give me your very best price, I will see what I can do".

The best way of dealing with this tactic is to recognise the game that is being played and assess exactly what the quality of the relationship is. You may be able to say something like:

"Come off it, you are using good guy, bad guy. You are a superb negotiator, but let's sit down and discuss the proposal realistically".

If you don't have this kind of relationship, stand firm and insist on dealing with the bad guy, or else bluff yourself and give a figure that is within your acceptable range of alternatives.

One way of combining good guy, bad guy. with higher authority is by saying things like:

"Well, I'd love to do a deal with you on that basis, but my manager refuses to let me agree terms of this nature without referring back and he refuses to talk to salespeople. Give me your best price and I will see what I can do"

Body Language:

It is important in negotiation to react verbally and visually when offers are made. You may have seen the more theatrical negotiators hang their heads in despair or accuse you of being unfair and souring a perfectly good relationship when you present your proposal. Human nature is such that we can believe and accept these outbursts against us and our negotiating position becomes weaker as a result.

Ensure the next time you are in a negotiation that you react to the other party's offer. If you show no reaction, they may be tempted to ask for more and more and you will lose the initiative in the negotiation. Also, it is almost certain that their opening offer is higher than the figure for which they are prepared to settle, so it is important that you clearly signal your unwillingness to accept the opening position.

If you reach the point below which you will not go, it is important that you show this with your body language. News readers, when they have finished reading the news, have a habit of picking up their script and tidying up their papers. This tells the world that they have finished their task and are preparing to leave.

Similarly, when you make your final offer, it can be very powerful to collect your papers together and indicate with your body that it really is your final offer. Put your pen away, sit back in your chair and remain silent. Look concerned and keep quiet.

If your voice says final offer but your body is saying let's keep talking, the other party will disregard what you say and keep negotiating.

The Use Of Silence:

During the negotiation, you may make a proposal and find the other party remains silent. This can be very difficult to handle and often signals disapproval to the inexperienced negotiator. Just as nature abhors a vacuum, so silence induces the need in people to talk.

If you have a proposal to make, make it and ask the other side how he or she feels about it. Having asked the question, sit back and wait for the answer. Whatever you do; don't change your offer as this could seriously weaken your position.

The Vice:

A common technique used by negotiators when presented with a proposal is to say:

"You'll have to do better than that."

The most powerful way of dealing with this is to ask them to be more specific. Whatever you do, don't weaken your negotiating position in response to the vice by giving anything away, too easily. This will only encourage repeat behaviour.

The Power Of Legitimacy:

People believe what they see in writing. We all assume that if a thing is printed or written down, it is non-negotiable. This is what can make price lists so powerful. If you have to present a customer with a price increase or you wish to encourage an early order to beat a price increase, show something in writing such as an office memo from your boss announcing the increase. This will have a far greater impact than just saying your prices are about to go up.

When presented with a price tag in a shop, ask to speak to the manager and make him an offer. You could be surprised at the results.

And Finally -The Low Key Approach:

Don't appear too enthusiastic during negotiations. Over-enthusiasm can encourage skilled negotiators to review their strategy and demand more.

If you are in a negotiation and the other side is not responding to your proposal, recognise this could be a tactic and avoid giving concessions just to cheer them up. Salespeople like to be liked and will often give money away in a negotiation, if the other side appears unhappy.

For example, if you are buying a car avoid saying to the seller things like:

"This is exactly what I'm looking for. I really like the alloy wheels".

Develop a low-key approach. Say things like:

"Well, it may not be exactly what I'm looking for but I might be interested if the price is right".

Copyright © 2008 Jonathan Farrington. All rights reserved

Negotiation - Tactics, Tricks And Threats
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Jonathan Farrington is the CEO of Top Sales Associates and Chairman of The Sales Corporation - based in London and Paris. Jonathan's personal site The JF Consultancy, - www.jonathanfarrington.com - offers a superb range of unique and innovative sales solutions and you can also catch his daily blog at The JF Blogit - www.thejfblogit.co.uk

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Apartment Lease Negotiation Tips for Lower Rent and Cheaper Renewals!

Imagine this typical scenario:

You return to your apartment after a long day and find in your mailbox or under your door an official letter from your landlord. It says that your current lease will be ending in a few months and that you have two alternatives: (1) receive a "one time special" if you quickly renew your lease for another year, or (2) pay a higher rate if you instead go month-to-month. To your dismay, the new rent amount for both alternatives is significantly higher than what you are currently paying to this landlord. What will you do?

Step 1 is to stay calm. Your landlord's strategy is to play on natural fears of further rent increases as it gets closer to renewal time. They know this, and you should too. They are writing this way because landlords have learned that most people will rush to judgment and thus quickly agree to their initial terms and rent increases. However, understand that much of what's in this initial letter are just dream amounts and dream terms for your landlord. Especially, if there are currently any "for lease" signs or similar promotional materials on the grounds of your complex. So remember, stay calm. You can usually ignore this initial letter and wait to respond after receiving their follow-up note a few weeks later, which will often include better terms and conditions. In the meantime...

Apartment Lease Negotiation Tips for Lower Rent and Cheaper Renewals!

Step 2 is to understand. If you can think like your landlord, you will be able to write a simple, but effective, letter to your landlord that has proven to get results. What to include? Keep reading and you will learn how some creativity, a little research, and reasonable confidence can help you to reduce their asking amount even further. And, from this base you will understand how to ask for the lease duration that best meets your needs, and how (depending on market conditions) you can even have a new lease where you pay less rent than your current lease.

First, an example of what NOT to do: Many people mistakenly think that they should tell their landlord they are prepared to move, but that they would really like to stay so they can save on paying moving expenses. In this case, you are not negotiating from a power perspective. Your landlord knows that moving costs (e.g., truck, supplies, labor, etc.) represent money from your pocket, so they will almost always say, "no, do what you have to do, and move." They know from experience that most people want to avoid moving hassles so they figure in this example that tenants will eventually take any "found money" that would have been spent on moving expenses and instead "give it" to their landlord via compliance with their initial rent increase letter.

Alternatively, by using the techniques that follow, we are going to turn this above situation around and show you how to convince your landlord to willingly take money that they would have otherwise spent on re-rental activities and instead "give it" to you in the form of a direct rent reduction or indirect rent concession to the original terms. To better see why this works, understand that your apartment's leasing manager (the person who can approve rent discounts) most likely reports to someone at a larger corporation. And, that someone wants a signed lease -- no matter the term -- to limit their uncertainty and risk exposure, and to help with corporate planning. You must use this to your advantage. Thus...

Step 3 is to do your research. Check online websites for any rent specials. This includes mass-market sites such as Apartments.com and Rent.com, plus the website of your apartment complex and management firm. What specials are they offering to new renters? Print these out. Also, check the web for similar complexes that are near your current apartment and those that are known competition to your current landlord. Especially interesting are those places that are brand new and those that are charging comparable amounts to your older rental unit. You will use these numbers to determine a reasonable counteroffer for your proposed new lease.

Step 4 is to write. You will send to your leasing manager (i.e., landlord representative) a polite, but direct, one-page letter that initially:

(A) "Thanks them for their letter of ____ (fill-in date) regarding their desire to have you continue as a high quality resident of ____ (fill-in name of apartment complex) after your current lease concludes on ____ (fill-in date)."

(B) Asserts that "You are unable to sign a new twelve-month lease agreement with their firm and that the terms and conditions provided by their firm for month-to-month leasing are unacceptable."

(C) Mentions that "However, understanding your desire to maintain positive cash flow and occupancy of my unit via multi-month commitments in these economic times, I respectfully offer the following modified terms:"

It is here that your research can pay big dividends. You must now state that "I am willing to sign, immediately, a ____ (fill-in desired rental duration) months lease for my current unit with the following modified provisions: ____ (state how much you are willing to pay and specifically what discounts and/or other benefits such as free parking, storage, and competitor or management-advertised rebates for which you are asking as per your research)." If appropriate, attach a copy or short summary of any relevant pricing or specific promotional printout.

To strengthen your claim, state that "This arrangement is a 'win-win' and provides a solid basis by which both you, ____ (fill-in the name of your apartment's management company), and myself can mutually meet our individual, corporate, and personal needs." Next, if there are any special circumstances that help your case (see below), you would include them here. For example, "The above is consistent with comparable properties in the area and is asking for nothing more than what is currently being offered to your new ____ (fill-in name of apartment complex) tenants." Or, if you were a mid-year renter in a college town and wanted to stay shorter than an additional full lease term you would write, "The proposed arrangement enables you to put my unit back on cycle so that you can receive premium student rents next year since this proposal makes my unit available in August / September of next year rather than after the prime student rush."

Conclude this letter with a paragraph that further reinforces your position by communicating the following facts to your leasing manager / landlord representative:

"Immediately, this proposal enables you to have my unit generating income -- not vacant -- for an additional ____ (fill-in duration) months from today. Not only is this positive considering the current rental market, but you eliminate cleaning fees, searching/agency fees, and income loss; and are ensured by having a quality tenant who has consistently paid on time, is not a 'hell raiser' with neighbors, and who keeps the unit in as high a clean and quality condition that is possible as per normal living conditions." Your last sentence should always be a call to action. For example, "Please call me upon receipt of this letter so that we can setup a time to sign all forms that will complete this proposed renewal. I look forward to our mutual agreement. This is a 'win-win' for all involved!"

Step 5 is to enjoy. Congratulate yourself for a job well done. You've earned your discount and can now celebrate the fruits of your labor for the rest of your new lease. And, remember, you can do this all over again next year! You have shown loyalty by staying, and they will still make more money by giving you the discount rather than getting a new person because the unit will not be vacant for an unknown length of time. Nor, will they have exceptional cleaning fees or new painting expenses between tenants.

Finally, keep in mind that your lease benefits might be written in the form of a rent concession instead of as a rent reduction. What this means is that if you break your lease and leave early, you might be responsible for paying back to your landlord the difference between the negotiated concession and their original offer. If it's a straight reduction, this might not be an issue. Though, standard liquidated damages clauses in your lease might still be there and require you to pay a "break the lease" penalty. Either way, current market conditions, the quality of your tenancy, and how long you intend to stay will influence the amount that you will eventually pay for rent. Good luck, and happy living!

© Copyright 2007, James G. Kavalaris. Licensed under the Creative Commons Attribution License. Reprints must include all text and links; including those from the resource section, below.

Apartment Lease Negotiation Tips for Lower Rent and Cheaper Renewals!
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--- ABOUT THE AUTHOR ---

Jim Kavalaris is the Senior Contributing Advisor to www.Grad-Schools.Info [http://grad-schools.info] and www.Discount-Broker.Info [http://discount-broker.info], a website dedicated to real estate answers. Whether you're a first time home buyer or trying to save your home and prevent foreclosure, spending 4 minutes on this site can empower you with the helpful information you've been looking for to better take the next steps towards solutions to your home mortgage and credit refinancing [http://www.discount-broker.info/site-map.cfm] challenges.

DISCLAIMER: This article is for educational purposes only and does not purport to constitute any legal, medical, or financial advice. It contains general information only and should not be exclusively relied upon for reaching any conclusions regarding any specific circumstances. The author is not your attorney, physician, or financial advisor.

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Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation

A personal injury insurance claim can be settle without an
attorney. Make no mistake. In fact, the great majority of personal injury claims
do not involve attorneys. The reason for this is the high legal fees and cost
that will be tackled to your settlement. So learning the process and handling
your claim can save you a bundle and increase your injury compensation.

The personal injury insurance claim process starts when you
go to the doctor. As soon as a medical professional treats you, you will be
considered "injured". When people claim headaches or similar injuries, the
adjuster will not allow payments for pain and suffering unless they think they
can settle the day you filed the claim. Most of the time, however, there will
want to see some objective evidence of the injury.

Most insurance companies will try to settle the person
injury insurance claim (as oppose of your personal injury "legal" claim) as soon
as they think they can get a settlement and release form from you. This document
will be an agreement between you and the insurance company in which you agree
that you will not present a legal claim against the liable party in exchange of
a certain amount of money. This agreement will be honored (most of the time as
it can be disputed) in a court of law.

Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation

It is not unusual to find insurance adjusters trying to
settle in your first conversation. They can have a recorded agreement on the
phone that could have the effect of an agreement and release.

If you do not settle, then the personal injury insurance
claim will continue. You will follow a treatment schedule and your medical bills
will be paid by your insurance company by your
Personal Injury Protection Coverage.
Both insurance companies will send you a Medical
Authorization From. This form entitles them to ask for your medical bills and
records. You insurance company will not pay the medical bills until you give
them the form. This is perfectly legal. Courts have ruled that if the insurance
company is required to pay the medical bill, they are entitled to see the
reports. However, you do not have to give this Medical Authorization form to the
insurance company of the person that hit you. You can withhold the records until
you are ready to settle.

After you insurance company pays, they will be reimbursed
by the responsible party's insurance company but only when you settle. This can
take up to three years, depending on your state's bodily injury statute of
limitations. However, your insurance company will not pay for you pain and
suffering and general damages. You have to settle those by yourself.

The personal injury insurance claim process will focus in
your medical treatment. The insurance carrier will be sending you letter and
asking you to report your medical condition. If they believe that you are over
treating, they will send a letter to your own insurance company telling them
that if they pay for your medical bills, they will not reimburse them. This is a
technique to put pressure on your own insurance company to review the medical
records and decline payment in anything that does not appear to be accident
related.

Once you feel better, you are back to "pre accident
condition", or you are release from treatment, the other person's insurance
company will be asking you for the medical authorization form again. You can
declined to turn it in, but you can collect the medical records yourself, review
them, exclude whichever ones you believe do not help your case, and submit the
rest (just like a lawyer would do). Most people will just sign the medical
authorization from, giving the insurance company the right to see every record
in your medical history.

The next step in a personal injury insurance claim is the
evaluation process. Once the insurance company receives all medical records and
reports, they will "compare" your injuries and treatment to similar cases in
your area and find the average jury award. Their first offer is the lowest
amount they believe a jury would award you. You can negotiate that amount to
what you believe a jury would award you.

Once there is an agreement, the insurance company will send
you a settlement of any and all claims form. Once you returned signed, they will
issue you payment and the claim will be settled. At that point, your insurance
company will be reimbursed for your medical bills.

Click here for more information about your personal injury insurance claim.

Personal Injury Insurance Claim - The Insurance Process, Strategy And Negotiation
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Check For 100 New Release & BestSeller Books For Your Collection

All the best,
Hector Quiroga
www.auto-insurance-claim-advice.com

Hector Quiroga has a high interest in helping consumers gain knowledge of the auto insurance claim process for both property damage and bodily injury claims. He covers in great detail what a car accident investigation entails and share many helpful tips for dealing with insurance companies and adjusters.

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