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When you are trying to get out of credit card debt, there a few options that can be considered. Although bankruptcy is one of the options, it should only be taken as a last measure when there is no other way out. This is due to the fact that a bankruptcy filing will damage your credit report and the filing would stay in your credit report for 10 years. This would certainly affect your loan applications that you might want to apply in the future. Debt negotiation is another option that you could consider as this would result in a lower debt amount to be settled.

If you choose to negotiate your credit card debt, you can either hire a debt settlement company or you can do it yourself. Hiring a debt settlement company would certainly save you the hassle of negotiating with the credit card company, but be prepared to fork out some money for the fees. If you are willing to do some research and spend some time for the negotiation, you can certainly do it on your own.

The first step is to determine the amount that you owe. This would help to estimate the amount that you would negotiate with the debt company. Then, familiarize yourself with the negotiation process. You need to call the debt company and explain your situation to them. Tell them that you would like to repay your debt but unable to pay the full amount. Negotiate with a lower amount first so that you would be able to raise the amount if they ask to. The debt company might turn down your offer on your first attempt. Do not be discouraged. Instead, call them up the next day and try to negotiate again. Do this until you reach an agreement with the debt company.

Once you have reached an agreed settlement amount, put it in writing and send it to the debt company. If the company needs to come up with an agreement, follow up with the company on the status.

Although the steps above seem tedious and take a lot of time, just remember that it would be worth it in the end, when you succeed in lowering your debt amount. So, go ahead and get your debt negotiated yourself. You have nothing to lose, except part of your debt.

People complain about all the time wasted in meetings. Just add up all the time you spend in various meetings, then think about how much time others spend in YOUR meetings. Knowing how to run a meeting is an important part of leadership, and a skill that can be learned. Here are my five tips for improving your meetings.

Improve your Planning. This is the first and most important skill in conducting a meeting, because if you don’t get this one right, following the other four tips can still produce a time-guzzling, snore-filled meeting. Planning covers a lot of areas. What is the purpose of the meeting? (To inform? To persuade? To gather information? To decide on a policy?) The purpose will determine a lot of your subsequent activities.

Another bit of planning involves deciding who should attend: only those who really need to be there, and leave out those you just want to impress. Also, you need to figure out if participants need to do some homework (bring sales figures, budget reports, etc.) before attending.

Communicate these decisions in advance, particularly if attendees have homework to do.

Prepare an Agenda. This creates a record, and lets people know what to expect in advance and during the meeting. You can use it to get the meeting back on track if it goes off the rails, as meetings sometimes do.

Some think it’s good enough to just distribute it as people arrive. I suggest sending it out in advance with your notice of the meeting. This gives participants a chance to suggest other topics you might have forgotten. (Like stuff that’s important to them!)

Keep track of Timing. People should know when the meeting is going to start, when it’s going to end, and when breaks will be. You shouldn’t go any longer than 90 minutes without some sort of break, even if it’s just taking a minute or two (5 at the most) to get up and stretch. People start to drift off mentally (and sometimes physically!) after about 90 minutes.

Timing also involves starting on time and ending on time. Waiting for latecomers annoys the people who arrived on time, and sends the message that your meetings never start on time. All this does is encourage tardiness. Ending on time is just as important.

So is the timing of your activities. If the meeting consists of two presentations and a Q&A session, consider having a brief Q&A after each session to break the monotony. (And, now that I think of it, do we really need both presentations?)

Develop the art of Facilitation, a skill that is essential for anyone leading a meeting. This means making people feel welcome, encouraging participation, making sure all functions (information gathering or dissemination, brainstorming, etc.) of the meeting are met.

It also requires the abilities to move the meeting along, bring discussions to closure, and deal with the ever-present obnoxious, know-it-all, love-to-hear-themselves-talk, difficult participants. (When the latter include your bosses, you’d better know facilitation.)

Facilitation isn’t as easy as you think, and yet it’s critical to the meeting’s success.

Follow-up. Lack of this causes lots of problems for leaders. Follow-up includes making sure that assignments (if any) are made, and that you hold people responsible for completing their assignments.

It also means sending out a meeting summary that captures what was agreed upon at the meeting. This eliminates any confusion, such as, did we really agree to fire Joe? Or was it Tom? If your summary is wrong, people will let you know.

There you have it – 5 tips to avoid snore-filled meetings.

Meetings may not be the most glamorous topic in the world of public speaking, but it’s a darned important one. After all, you don’t want people complaining about YOUR meetings. And what if you agree with everything I’ve said, but someone else is running the meeting in question? Send a copy of this article, and simply suggest that these are ideas that might improve that person’s meetings.