Wednesday, December 31, 2008

Negotiating Tips: Happy 2009

Happy New Year!

As we look forward to the great opportunities of 2009 in the Negotiating For A Living industry I want to share with you an e-mail that was sent to me; it said …

94% of people dwell on the negative, and 6% see an opportunity in nearly everything that comes their way.

I'm looking forward to 2009. I'm convinced it will be a year of great opportunity, as it will also be a year of great change and paradigm shifts!

The best advice I can give is to "prepare for change". Keep a level head, work-out what is working and what is NOT working, mix this with an opportunity, and change accordingly. If your horse is dead, get off it and find another (I'm into riding several horses at a time). If your horse is wounded, then decide if you are going to fix it or shoot it. BUT whatever you do – DO SOMETHING - take action.

Good business is a combination of hard work, commonsense, grit determination, and gut feeling!
In the coming weeks I will be giving you my take on what I see happening in the 2009 negotiating industry and how you and I can profit from it. To follow my insight and strategies, please visit my blog on a regular basis :

To a prosperous 2009,

James A. Gage

www.NegotiatingForALiving.com

Wednesday, December 24, 2008

Merry Christmas & Happy Hanukkah

On behalf of everyone at Negotiating For A Living, we wish you and yours a Merry Christmas. May the coming weeks entering the New Year be a time of refreshening and redefined goals and business plans for a prosperous 2009.

To your ongoing success,

James Gage

www.NegotiatingForALiving.com

PS: Don’t forget our annual 50% Holiday Sale ends tomorrow, Christmas Day!!! So before you start your holiday festivities why not stop by our web store and get a jump start on your 2009 negotiating business : http://negotiatingforaliving.com/negotiating-tools.html

Wednesday, December 3, 2008

Negotiating Tips: Negotiating & The Stock Market

Hello All:

Many of you know that I have an ongoing challenge to the world at large, that is, I have challenged anyone to prove me wrong concerning:” There is nothing in finance, business or relationships that can not be Negotiated !”

One of my faithful newsletter subscribers Bob has poised the challenge! He thinks that there is no negotiating when it comes to buying stocks, bonds, Forex or options in the financial/stock market.

I’m sorry Bob, but my undefeated record stands ! Yes, it’s true that the market makers set the buy and sell prices; however, there is nothing engraved in stone that says you can’t throw an offer out to see if they will take it – let me give you an example.

If you were to trade stock options you might see the following:

Bid 1.20 Ask 1.35 ( we buy at the ask, and sell at the bid )

In this example if we were buying the option the Ask is 1.35, but we could place an order for 1.25 and there is about a 60% chance the market makers will fill that order !

Remember, everything is negotiable even in the trading markets !

So with that, I’m sorry Bob as you can see it is possible to negotiate your price/terms in the stock market – I hope this opens a new avenue of negotiating for you.

Until next time, be well.


James Gage

www.NegotiatingForALiving.com

PS: Don’t forget my 50% off Holiday Sale on my Independent Arbitration Home Study Course, and 20% off of my One-0n-One Mentoring Programs !

http://negotiatingforaliving.com/negotiating-tools.html

Thursday, November 27, 2008

Negotiating : Happy Thanksgiving

On behalf of myself and everyone at Negotiating For A Living http://www.NegotiatingForALiving.com , we wish you a Happy Thanksgiving to you and yours.

James Gage

Wednesday, November 26, 2008

Negotiating: The Economy & Leveraged Real Estate Investing

National Radio Debut

"The Economy & Leveraged Real Estate Investing"

Event Info
Host:
Brian Higgins & James Gage
Type:
Network:
Global

Time and Place

Date:
Saturday, November 29, 2008
Time:
9:00am - 10:00am
Location:
XM Satellite Radio Channel 169

Description

Hello All:
James Gage here, with a quick note to invite you my national radio debut on " The Economy & Leveraged Real Estate Investing" - the details are below...

See ya there.

Saturday, November 29, 2008

XM Satellite Radio Channel 169

"Mind Yo Business Radio Program. AKA MYB Talk w/ Brian Higgins"

Time : 9 AM, EST

Topic : " The Economy & Leveraged Real Estate Investing

Friday, November 7, 2008

Negotiating: Negotiating Your Salary in a Troubled Economy

It's time for your annual review with the boss, which means talking with your boss about a possible raise, a conversation that's rarely easy. A skittish economy doesn't make it any easier, with companies scaling back on hiring and spending. But take heart, salary negotiations should be handled with care and skill, but they don't have to be a burden.

Here are a few steps to make you successful in your salary negotiations…

1. Create a "mission and purpose" before entering the conversation. Your mission and purpose shouldn't be focused on more money; instead, concentrate on how you can benefit your employer, says Jim Camp, negotiation coach and author of "No: The Only Negotiating System You Need for Work and Home." "When they [employees] are really driven by their mission and purpose for their employer, their value will be so great, the employer will promote them and give them pay raises without them asking," Camp explains. He says it's easier than ever to get a raise by defining a mission and purpose, because it's what employers want, but very few workers do it.

2. Track your success. Employees should keep careful records of their accomplishments throughout the year, including paper files and emails that clearly show how they performed in relation to their goals..

3. Know your market value. Research what others in your position earn, and find out if you're up against any obstacles, Camp says. "Has the company just laid off employees? Is there new management in the wings? Know all issues that might keep your boss from giving you a raise. State each problem clearly and ask your boss how these problems might be solved," he explains.

4. Consider where you stand with your manager. "If the average raises are 2 percent and you are asking for 4 [percent], you better know that your manager really loves you," Rosenberg says.

5. Show respect. This means respect for yourself, your boss, and the negotiation! Go into the conversation accepting you can't guarantee an outcome, but knowing you can control your approach. If you exercise respect, the negotiation at least won't tarnish your reputation or make things worse.

How you handle yourself in a difficult conversation is where people really measure what they think of you -- your character is formed there!

6. Leave the script at home. While it's smart to prepare, sounding rehearsed can be a turnoff to your boss, so I suggest people go in assuming a lot of uncertainty, and have tactics to deal with uncertainty, rather than trying to guarantee how a situation will go. Scripting what you say will make the counterpart feel like [he or she isn't] supposed to be a party to the conversation," she says.

7. Think long-term. Canter says the savviest employees focus on opportunities, not just money. Think carefully about what you want besides more money. Troubled economies provide opportunities for employees to take on new work and potentially develop new skills and visibility. Think about what kinds of skill and experience you need to make yourself more marketable at this job or another and be prepared to suggest new or additional assignments in lieu of, or in addition to, more money."

Monday, October 20, 2008

Negotiating: Negotiating For Profit & Fishing

I have received a lot of phone calls over the past 2 weeks asking me how I could have possibly foreseen the financial down turn that we are currently experiencing. Rather then getting into a 50 page e-mail, I will be commenting on this very topic in my up coming newsletter. However, I would like to briefly comment on the turmoil in our world
right now and how I have learned to profit from it!

Today's a great day. Frankly, I was standing out side my house watching the leaves drop from the trees, while remembering my recent annual Snook fishing tip to Northeast Fla - a couple of weeks ago. I remember standing in the surf one morning with the bathtub warm Atlantic Ocean water lapping around my thighs as I was casting my fishing lure into the water.
I didn't care if I caught any fish or not. (But I caught two red fish - and released them.) Just standing there, feeling the ocean breeze and the sunrise on my face, I was very happy.

One reason was that I wasn't worried about anything, because as I was fishing I was making money! Other people were doing things for me that I used to do myself. For example, while I was standing in the ocean, my home back in the Northeast was being stained to give it a fresh look, my bird dogs were looking for deals for me, my option trades in the stock market were continuing to increase in value, and a lease option I had put together up the street from the beach was ready to close.

My only goal in life now is simple: Have no worries.

I can do that in a couple of ways:

a) Become a master negotiator so whether the market is up, down or going side ways I can profit in real estate or any business venture I decide to venture into (that's my chosen route)...or...

b) Ignore my troubles and let 'em slap me up side the head when I'm not looking. (Been there, done that...)

The thing I've learned in my 45 years - finally - is that faith in your negotiating skills is the key to happiness and financial security.
That's tough today when you look at the stock market, the banks collapsing, the government pumping $700 billion (more like 3-5 trillion when all is said and done) into the economy to "save" us.

I was a stock broker for a few years. And here's a little piece of advice: ignore the news media. Period ! They are the last people to state the obvious.

They love it when you're scared because you tune in more and they make more money. And the more you tune in, the more scared you'll become. Don't buy into that. Just remember my wife's mantra:

ALL IS WELL, IF YOU CAN PERCEIVE THE SEASON!

So, what does my wife mean by the season? I'm not getting into this very deep now. I'll save that for a future newsletter. But just suffice to say, that it means being aware of what environment or cycle the business and or real estate market is in, so you can fine tune your negotiating skills for maximum profit and success.

Unfortunately, you can't do that if you're scared, or have no confidence in your negotiating skills.

That being said, I have compiled my 22 years of negotiating skills as a Federal Arbitrator and real estate investor, and taken the very tips and strategies that I have used to be successful in business and real estate investing, and placed it into a compact, no non-sense, straight to the point, easy to follow “Negotiating For Profit System”.

http://jgage.com/negotiating-for-profit-system.htm

It has been said, that you can have the best product, the most capable service, the best real estate strategy or technique, but without a negotiating system and the determination to make it work you won't be able to give money away in the middle of Las Vegas. Negotiating is a “million dollar skill” that is necessary for anyone who wants to attract financial success in their life. It doesn't matter what your product or services are or who your potential clients are, the only thing you need is to have a negotiating system where you work smart and go to the bank.

Before I let you go to read over my exactly what this timely system contains, many individuals have called me and ask if I would put together a step-by- step “ Negotiating System" well your wish is my command.

Normally priced at less then a few trips to Starbucks at $97.00, it is a great value if I do say so myself. But for the next 4 days (Oct 19 - Oct 22 ) I am extending to you, my faithful newsletter subscribers the astonishing price of only $33.00! That's a whooping 66% off my normal website store price!

Enter promo Code 555 on you order/check out page to receive your discount.

After Oct 23 it will return to the normal price of $97.00.

You maybe asking, why am I doing this? Simple, I am committed to getting this information into as many investors hands as possible, thereby you the best deals through negotiating in these challenging times.

So please visit the link provided for more information on this jam packed “Negotiating For Profit System” :

http://jgage.com/negotiating-for-profit-system.htm

Also, as a thank you bonus I am including: A Newly Released CD entitled “ Unlimited Cash Flow” !

Don't forget to place promo Code 555 on your order page

To your negotiating success,

James Gage

http://jgage.com/negotiating-for-profit-system.htm

Here is what this recession proofing package will do for you :

  • Never make a cold call again.
  • Qualify any prospect within 5 minutes.
  • Learn to set an agenda up front.
  • Never make a formal presentation until you have qualified and closed the prospect upfront.
  • Why you should forget about the word Yes and always go for the No's.
  • Never ask for the deal, make the prospect give it to you.
  • How to avoid buyer’s remorse during the negotiations!
  • Learn six figure income thinking by working smart and getting paid.
  • Fear of rejection will no longer be an issue.
  • Learn what works and what doesn’t work in negotiating and why.

and much, much more…

With this Negotiating For Profit package, which is jam packed full of one of a kind negotiating information, you will never have to worry about ending up on the short end of the stick or leaving to much money on the table ever again.

What you will receive :

  • 1 Manual : You’re A-Z resource on Negotiating For Profit
  • 1 CD Introduction to Negotiating For Profit
  • 1 CD Negotiating For Profit: Discover How To Apply NEW brain research to catapult yourself to success;
  • 1 CD Tutorial to bring all that you have learned – together.

Bonus: Newly Released CD entitled “ Unlimited Cash Flow” ! Take your financial life to the next level.

So don’t wait another minute, click on the link below and start Negotiating For Profit.

Again, here's the places you should visit now: http://www.jgage.com/

Have a great rest of the weekend.

Peace & Prosperity to you and yours!

Wednesday, October 15, 2008

Negotiating: Tips on Negotiating Leases

Ask for a copy of the lease before the lease signing, so you have time to review it. If you're reading this tip right before the lease signing and have yet to see the lease, don't worry. Just read over the lease carefully at the signing. If you feel uncomfortable with the lease or want someone to review it, ask to reschedule the lease signing appointment – have all legal contracts and documents reviewed by an attorney.

  1. Negotiate only with the landlord or someone who has the authority to make decisions. The broker cannot make any decisions, unless they have “Power of Attorney”, or are the “Trustee” of the Land or Realty Trust that the property may be in.
  2. Choose one person to be the negotiator, if you're signing the lease with your roommate or spouse. You don't want multiple people chiming in with points that contradict each other.
  3. Know basic information about the landlord and try to understand the landlord's position. Is your apartment owned by real estate management company with thousands of units or a family renting out a room or their second home? Will a $25 reduction in rent be a big deal to them? Knowing the landlord's concerns will help you tailor your arguments in the lease negotiation.
  4. The best negotiation time is during the signing of the lease when the landlord has approved you for the apartment and is ready to close the deal. You only have negotiation power when you have something the landlord wants.
  5. Ask questions before you begin the lease negotiation. It's good to demonstrate your reliability as a good tenant. This is the one thing you can offer the landlord that will make him or her more open to negotiation. Asking questions is one way to show the landlord that you want to follow the rules.
  6. Begin the lease negotiation after you've read the lease and asked all your questions. First identify what you want to change and why. Maybe you want a lower rent because it's higher than all the other apartments you've looked at and you see no reason for the higher rent. Or the ceiling is leaking and you want a guarantee that it will be fixed within a week, because you've had bad experiences with neglectful landlords.
  7. If the landlord resists putting any changes in writing or seems offended or hurt by your negotiation, be ready to reassure him or her that you trust him, but you are a person who likes to play it safe.
  8. If the landlord argues with you or puts you on the defensive, acknowledge the landlord's points by explaining why these concerns don't apply to you and remind him or her of your qualifications (good credit, timely rent payments, no disturbances, no damage).
  9. Always ask twice, followed by the reason. Giving more than one argument during the lease negotiation lends further support to your request.
  10. Write down all agreements on a piece of paper that is signed by all the tenants and the landlord. If it's a change to the lease, correct it on the actual lease, or write a lease rider that specifies it is overriding the lease. If any of the agreements are promised actions--such as repairs--write down a deadline (the water pressure must be fixed by this date).
  11. Know what your expectations are beforehand. Will you sign the lease if the landlord refuses? How flexible will you be if the landlord agrees to part of your suggestions?
  12. Be polite. Don't get angry or hostile, even if the landlord does. Take the higher ground and the landlord may respect your professionalism and believe you to be a good tenant.
  13. Do not make ultimatums--change this or I won't sign the lease--unless, of course, you mean it. If you don't mean it, this will only backfire and prove to the landlord that you're being manipulative, and therefore untrustworthy.
  14. Only negotiate items that are most important to you. Decide which issues are too small to argue over. The landlord is unlikely to concede to every issue, so pick your battles.

Wednesday, October 8, 2008

Negotiating: My New Investment Strategy

Hello All:

With all the bad news in the market place, the pain that real estate investors are experiencing, and the individuals that are not getting involved in our independent arbitration business opportunity, here is something to laugh at...

My New Investment Strategy-Take up drinking

If you had purchased $1,000 of Lehman Bros. stock one year ago, you would
have $49 left.
With Wachovia, you would have $16.50 left.
With AIG, you would have less than $5 left.

But if you had purchased $1,000 worth of beer one year ago, drank all of the
beer, then turned in the cans for the aluminum recycling REFUND, you would
have had $214.

Based on the above, the best current investment advice is to drink heavily
and recycle.

It's called the 401-Keg plan.

Tuesday, October 7, 2008

Negotiating Article of The Month

Negotiation Techniques That Make You A Better Negotiator


Prepare for battle. Enter a negotiation without proper preparation and you've already lost. Start with yourself. Make sure you are clear on what you really want out of the arrangement. Research the other side to better understand their needs as well as their strengths and weaknesses. Enlist help from experts, such as an accountant, attorney or tech guru.

Timing is everything. Timing is important in any negotiation. Sure, you must know what to ask for. But be sensitive to when you ask for it. There are times to press ahead, and times to wait. When you are looking your best is the time to press for what you want. But beware of pushing too hard and poisoning any long-term relationship.

Leave behind your ego. The best negotiators either don't care or don't show they care about who gets credit for a successful deal. Their talent is in making the other side feel like the final agreement was all their idea.
Fine tune your listening skills. The best negotiators are often quiet listeners who patiently let others have the floor while they make their case. They never interrupt. Encourage the other side to talk first. That helps set up one of negotiation's oldest maxims: Whoever mentions numbers first, loses. While that's not always true, it's generally better to sit tight and let the other side go first. Even if they don't mention numbers, it gives you a chance to ask what they are thinking.

You have not, because you ask not ! Another tenet of negotiating is "Go high, or go home." As part of your preparation, define your highest justifiable price. As long as you can argue convincingly, don't be afraid to aim high. But no ultimatums, please. Take-it-or-leave-it offers are usually out of place.

Anticipate compromise. You should expect to make concessions and plan what they might be. Of course, the other side is thinking the same, so never take their first offer. Even if it's better than you'd hoped for, practice your best look of disappointment and politely decline. You never know what else you can get.
Offer and expect commitment. The glue that keeps deals from unraveling is an unshakable commitment to deliver. You should offer this comfort level to others. Likewise, avoid deals where the other side does not demonstrate commitment.

Don't take on their problems. In most negotiations, you will hear all of the other side's problems and reasons they can't give you what you want. They want their problems to become yours, but don't let them. Instead, deal with each as they come up and try to solve them. If their "budget" is too low, for example, maybe there are other places that money could come from.

Stick to your guns. As an individual and a business owner, you likely have a set of guiding principles — values that you just won't compromise. If you find negotiations crossing those boundaries, it might be a deal you can live without.

Close with confirmation. At the close of any meeting even if no final deal is struck recap the points covered and any areas of agreement. Make sure everyone confirms. Follow-up with appropriate letters or emails; do not leave behind loose ends.

For more informative resources visit : http://www.NegotiatingForALiving.com

Wednesday, September 24, 2008

Negotiating Tip

Don't Argue

Negotiating is about finding solutions...Arguing is about trying to prove the other person wrong. We know that when negotiating turns into each party trying to prove the other one wrong, no progress gets made. Don't waste time arguing. If you disagree with something state your disagreement in a calm ,but assertive way. Don't demean the other person or get into a power struggle.

Be well,

James A. Gage

Tuesday, September 23, 2008

Negotiating: The Golden Rule of Negotiating

Hello All:

I am asked almost on a daily basis if I could sum up in one rule the key to successful negotiating. Believe it or not it isn't some sort of code or algebra equation that you must figure out, or something that will take you years of negotiating experience to access.

Here it is: Rule 1
" Ask for everything, expect nothing, and you will be surprised what you will get!"

What's the worse they can say "No" right? Many people miss out on great deals because they are somehow afraid to ask for concessions or things.
I'll give you an example. When I was on a vacation with my family at Universal Studios, I went to guest services and asked if they would comp my family with "Fast Passes" for the rides at their theme park- guess what? They said YES!
You see, fast passes are used to get you past all the people waiting in line and automatically gets you to the front of the line without the wait. Universal not only charges you for admittance into the park, but if you want those valuable "Fast Passes" you have to pay another $20.00 per person! That would have translated to $120.00 extra for my family of 6 ! But since I was willing to ask for the comp, I got it for FREE!

So go out there and start asking! You will be surprised what you will receive.

Be well,

James A. Gage

Tuesday, September 9, 2008

Negotiating: The Economy and Independent Arbitration

Hello All:

I thought I would post this article on my observations on the economy and how it pertains to our profession.

“With all the recent problems in the financial sector (especially in the banking sector), it’s getting easier to settle with the banks?” I’ve been hearing this type of question a lot lately. The past year or so has seen an avalanche of economic problems, beginning with the financial tsunami in the real estate market, the sub prime mortgage fiasco, the banking credit crunch, liquidity problems, the Fed shoring up the economy with multiple interest rate reductions, the bailout of Bear-Stearns (the fifth-largest investment banking firm on Wall Street), bailing out Fannie Mae & Freddie Mac and so on.
It’s logical for consumers/businesses considering independent arbitration to wonder if all this grim news is “softening up” the credit card banks for better settlement deals. The answer is, well, “no and yes.” No, because overall, it’s really just “business-as-usual” in the settlement industry. I personally have seen no drastic changes in settlement practices as a consequence of recent economic problems faced by the banks. You have to remember that we’re talking about huge companies, and they do not change direction quickly or easily.

On the other hand, some creditors have softened up a little, so that’s the “yes” part of the answer. But it’s important to understand that the banking industry is not one big monolithic enterprise. Different creditors behave differently. So while some of the banks seem to be slightly easier to settle with lately, others have gone in the other direction and stiffened their resistance to losses. Generally, this all translates to somewhat lower settlement percentages with some banks, and somewhat higher percentages with others. So overall, nothing much has changed from my own perspective, where I deal day-in and day-out with a wide range of consumer debt obligations.

Bottom line: It’s still the same game as it ever was, and consumers should not count on “extra” help from the banks they’re trying to settle debts with. As time goes by, current economic conditions may yet have a deeper effect on settlement practices, but so far there has not been much of a noticeable difference

Saturday, September 6, 2008

Negotiating: Getting to Yes in Record Time; 4 Time Saving Tips in Negotiations

1. Separate the Relationship with the People from the Substance of the Deal
Be hard on the deal, soft on the people. See the deal from inside their shoes and
make your proposal consistent with their values.

2. Focus on shared values and interests, but not on the positions each side takes;
values define the deal!
Each side has multiple interests – be clear on yours, discover theirs

3. Are you stuck on an issue? Then brainstorm multiple options for mutual benefit.
Be creative, think outside the box, and identify shared interest and objectives.

4. Use objective criteria for decision making, strike a deal based on principle, not pressure, agree on fair standards and procedures, and frame issues as a collaborative quest.

Saturday, August 30, 2008

Negotiating: Negotiating for Profit Articles

Hello All:

I hope this post finds you and yours in good health. On behalf of myself and everyone here at Negotiating For A Living, we wish you a restful and enjoyable Labor Day.

While you're enjoying your holiday please take a few minutes and visit my web site article section on the very latest tips, strategies, and what's happening in the negotiating for a living industry:

http://negotiatingforaliving.com/Free-Negotiating-Articles.html

http://negotiatingforaliving.com/negotiating-articles.htm

Until next time, be well.

James A. Gage

Tuesday, August 26, 2008

Why Do 90% of Home Based Businesses Fail?

Everyone has dreamed about starting a business and being their own boss at one time or another in their life. Most who pursue that dream find only frustration and failure.

Since the mid 80s, as many as 90% of new businesses have closed in their first year. According to a recent survey of failed business owners, "lack of planning" was the number one reason listed for new business failure. Other reasons included were: lack of experience, money, and low sales.

It may be that most people just get tired of feeling used and unappreciated at their jobs. They get their inspiration for entrepreneurship out of frustration. They see a company that they feel could be operated better, and they make the decision to go out and try it themselves. They are sometimes shocked at the overwhelming task of operating and growing a successful business. From lack of planning, and out of total frustration, they close their business and return to their employee status.

It's really a shame; there are numerous talented people out there who could possibly build a better company. But their lack of planning from the start closes the door on their odds of success, sometimes before they even open the doors of their new business.

To read the rest of this article please visit:
http://negotiatingforaliving.com/home-based-business-failure.htm


Thursday, August 21, 2008

4 Types of Arbitration

When we think about arbitration, we think of a neutral third party who is empowered by 3 individual parties to decide the outcome of a dispute, but that is just scratching the surface as we will soon see.

There are 4 types of Arbitration: Binding, non-binding, court appointed and what I invented and advocate “Independent Arbitration”.

Binding Arbitration: The parties agree to waive their right to go to court for a judicial decision which is binding by the arbitrators ruling.

Non-Binding Arbitration: The parties have the discretion to abide by the arbitrator's decision or seek other venues. In my 20 plus years of arbitration experience this is the least appealing and successful form of arbitration; only the attorneys and arbitrator make money, and the parties rack up the venue bills.

Court Appointed Arbitration: Is just that ordered by the court. The judge elects an arbitrator of their choice to hear and render a ruling – which by the way is binding.

And finally, we come to what I invented - Independent Arbitration. Some have connected this form of arbitration with names like dispute resolution, ADR, debt settlement, debt arbitration and debt negotiating to name a few. However, with this type of arbitration you will notice vast differences. With this type of arbitration we represent only one party (usually the defendant if it happens to be a litigation case). We do not stay neutral in the dispute, but rather work as a fiduciary, representing our client to achieve out of court settlement, IRS tax issues and delinquent accounts payable.

We set our own fees based on what we achieve for settlement for our clients, not an hourly rate like attorneys. And since we are not employed by agencies like the above 3 forms of arbitration, we are free to work as much or as little, increase or modify our fee structure, and work as much or as little as we desire.

Why Would A Business Choose To Use An Arbitrator Instead of An Attorney?

Few businesses elect the expense of litigation if arbitration is available. Put simply, arbitration is a business like forum for resolution of business disputes and while the elaborate safeguards of the legal system are often not available, the need for prompt and private resolution of disputes seems to convince most of our business clients to use independent arbitration. For those clients used to non American systems of law, arbitration seems a welcome and familiar way to resolve disputes and protect the rights of all concerned.

Besides attorneys work a principle called billable hours, we work on results! If we do not settle the case we don’t get paid, whereas, attorneys get paid whether they settle the case or not; you can see why this would be a motivating factor when a business owner is deciding who to engage to represent them.

Be well,

James A. Gage

http://www.NegotiatingForAliving.com

Tuesday, August 19, 2008

Negotiating Penalties & Interest with The IRS

Negotiating with the IRS is not as hard as one would imagine when it comes to penalties and interest! Let me qualify that statement before I get a flood of e-mails telling me I don’t know what I’m talking about.

First, interest is statutory, meaning its federal law, that under no circumstances and or situations can this interest be waived! However, interest can be deferred if you enter your client into an installment agreement or if you obtain a moratorium.

Secondly, penalties can be waived – finally some good news! However, they can only be waived after the initial principle, interest and penalties have been paid in full. Then you may apply for “Abatement”, AKA waiver of all penalties; of course this is not a guaranteed approval, but is based on the circumstances behind the delinquency ( this is where you negotiating skills on paper will serve you well ).

This is one of the many factors you must keep in mind when negotiating an IRS tax situation for your client as an Independent Arbitrator. Stay tuned for more helpful tips and strategies…

James A. Gage

Friday, August 8, 2008

Negotiation Techniques That Make You A Better Negotiator

Prepare for battle. Enter a negotiation without proper preparation and you've already lost. Start with yourself. Make sure you are clear on what you really want out of the arrangement. Research the other side to better understand their needs as well as their strengths and weaknesses. Enlist help from experts, such as an accountant, attorney or tech guru.

Timing is everything. Timing is important in any negotiation. Sure, you must know what to ask for. But be sensitive to when you ask for it. There are times to press ahead, and times to wait. When you are looking your best is the time to press for what you want. But beware of pushing too hard and poisoning any long-term relationship.

Leave behind your ego. The best negotiators either don't care or don't show they care about who gets credit for a successful deal. Their talent is in making the other side feel like the final agreement was all their idea.

Fine tune your listening skills. The best negotiators are often quiet listeners who patiently let others have the floor while they make their case. They never interrupt. Encourage the other side to talk first. That helps set up one of negotiation's oldest maxims: Whoever mentions numbers first, loses. While that's not always true, it's generally better to sit tight and let the other side go first. Even if they don't mention numbers, it gives you a chance to ask what they are thinking.

You have not, because you ask not ! Another tenet of negotiating is "Go high, or go home." As part of your preparation, define your highest justifiable price. As long as you can argue convincingly, don't be afraid to aim high. But no ultimatums, please. Take-it-or-leave-it offers are usually out of place.

Anticipate compromise. You should expect to make concessions and plan what they might be. Of course, the other side is thinking the same, so never take their first offer. Even if it's better than you'd hoped for, practice your best look of disappointment and politely decline. You never know what else you can get.

Offer and expect commitment. The glue that keeps deals from unraveling is an unshakable commitment to deliver. You should offer this comfort level to others. Likewise, avoid deals where the other side does not demonstrate commitment.

Don't take on their problems. In most negotiations, you will hear all of the other side's problems and reasons they can't give you what you want. They want their problems to become yours, but don't let them. Instead, deal with each as they come up and try to solve them. If their "budget" is too low, for example, maybe there are other places that money could come from.

Stick to your guns. As an individual and a business owner, you likely have a set of guiding principles — values that you just won't compromise. If you find negotiations crossing those boundaries, it might be a deal you can live without.

Close with confirmation. At the close of any meeting — even if no final deal is struck — recap the points covered and any areas of agreement. Make sure everyone confirms. Follow-up with appropriate letters or emails. Do not leave behind loose ends.

Tuesday, August 5, 2008

What is Debt Arbitration?

By James A. Gage

Debt Arbitration is the industry created around the practice of debt settlement. Debt arbitrators are third-party institutions or individuals that work on behalf of their clients to negotiate out-of-court settlements for old bills, invoices, lawsuits, liens, medical bills, utility bills, judgments, and other types of significant debt. Typically, debt arbitrators are in lieu of credit counseling as a way to avoid bankruptcy. Due to the 2005 bankruptcy law changes, it is almost impossible for businesses to file bankruptcy and walk away from their delinquent debt. As you can see there is an unbelievable opportunity available for someone who is looking for a career change, mother(s) hours, small business or home based opportunity.

Some other names people referrer to Debt Arbitration are: debt settlement, dispute resolution, civil arbitration, and what we at Negotiating For A Living have created “Independent Arbitration”.

Debt Arbitration Process

The major difference between debt arbitration and credit counseling is the fact that debt arbitrators work independently on behalf of their clients, while credit counselors work on behalf of credit card companies. Debt arbitration itself is conducted through something known as debt negotiation. During this process, arbitrators negotiate a lump sum settlement for amounts owed to credit card companies, creditors, IRS/DOR tax obligations and pending litigations - typically, at a significant discount to the actual amount owed. Clients then make more affordable payments to the debt arbitrators to pay off the remaining balance.

Industry Regulation

In the US no states currently require any form of licensing for debt arbitrators; the industry relies on Negotiating For A Living. Com to certify and provide ethical standards to those who train and practice debt arbitration.

For more detailed information on this industry opportunity, click on the link : “ Video Negotiating For A Living” on the left hand side bar.

Sunday, August 3, 2008

Want A Recession Proof Business?

Are you worried about the economy? Nervous about your job security? Wondering how you will manage to pay your bills or mortgage in the credit crunch? Recession always puts a lot of people on edge - but not everyone. It depends on the business you’re in. There are such things as recession proof business opportunities and right now I know I’m in the right business!

If you think about a recession in a positive way, you can choose to see it as an opportunity for change. So, you might lose your job or have less to spend. But what if you didn’t really like your job in the first place or you were looking for a career change- where would you turn?

In today’s world more and more people are beginning to recognize that a traditional job is not the only way to earn money - and in fact the way we have been taught (get a good job, earn a regular income, retire in your sixties) is not as secure as it once was, and that is only too apparent every time there is a recession, just ask the people at Enron!

Setting up a home business may not be an immediate answer to today’s pressing bills - it will take time to grow -but it is certainly an investment against future economic downturns. And if your job is currently threatened, it would do no harm to start off a home business now as a commitment to a more secure future; remember the old saying “prepare for a rainy day”.

Many people are put off starting up on their own because of the costs involved. But in my business the start-up costs are minimal. Even if your budget is less than $100.00 you have the chance to create a business that will grow into something big, as long as you implement my leveraged strategies.
Running an independent arbitration home business is fun and exciting. It is also takes some work and minimal time. But compared to an ordinary job, for me the rewards far outweigh the daily grind of working for someone else in a job that might not last anyway. I know that my financial future is secure. Is yours?

Recession proof business opportunities come in many shapes and forms. Why not have a look at http://www.NegotiatingForALiving.com and see if you can find something that suits you? At the worst, you will discover a new world of opportunity for the cost of a few dollars. At the best, you will provide yourself with future financial freedom.

Friday, August 1, 2008

Looking For A Career Choice or Change? Why Not Consider Independent Arbitration?


Are you wondering how to choose the right occupation whether you're doing it for the first time or changing careers? Well you came to the right place! Choosing a career can be confusing at best.

There are hundreds of career options out there. How do you make a career choice when you don't really know what you want to do? Does it seem like an insurmountable task? It's not. Yes, you will have to put some time and energy into making your decision, but your effort will be well worth it in the end.

How Do You Choose the Right Career?

Choosing a career is an involved process that is based on a number of things, including your interests, skills, work-related values, and personality.

Whether your goal is a full-time business or a steady, part-time income stream, Negotiating For A Living (NLFL) will show you innovative and proven ways to profit and work from your home with a career in the lucrative independent arbitration industry. Explore the pages of my web site http://www.NegotiatingForALiving.com and discover which avenues are right for you!

That being said, browsing the internet there are literally thousands of business opportunity resources and a person often gets overwhelmed by the sheer choice of programs, and services.

When looking for a business opportunity you should look for 7 primary qualities:

1. Integrity : Does the company have a reliable track record/history?

2. Value : Is the company providing a valuable service/product?

3. Training : Do they provide you with quality one-on-one training and materials?

4. Support : Is it easy to contact them and do they reply in a timely fashion?

5. Compensation : Is your effort rewarded in a timely manner (Return On Investment)?

6. Investment : Does the opportunity require tens of thousands of dollars to get started, and years for you to recoup your initial investment?

7. Recession Proof : Can it be profitable in an up, down or side ways economic market?

All these qualities are important when choosing a business opportunity.

Too many people jump in to an opportunity such as MLM ( Multi Level Marketing) that promises them mountains of gold, only to find that they have been ripped off after the opportunity seems to have disappeared into thin air or has gone bust.

Another opportunity being marketed is that of the franchise. A franchise business is a method a company uses to distribute its products or services through retail outlets owned by independent, third party operators. The independent operator does business using the marketing methods, trademarked goods and services and the "goodwill" and name recognition developed by the company. In exchange, the independent operator pays an initial fee and royalties to the owner of the franchise.

The company that grants the independent operator the right to distribute its trademarks, products, or techniques is known as the franchiser. The independent, third party business person distributing the franchiser's products or services through retail or service outlets is called the franchisee. The franchiser charges hundreds of thousands of dollars for a license, and in addition may require annual payments to continue using their name and trade marks.

What ever business you choose to get involved with make sure it meets your budget and expectations! There is nothing worse then starting a business that becomes un-enjoyable, unprofitable, and finally becomes a 80 hour torture chamber

Thursday, July 31, 2008

When Negotiating a Real Estate Purchase Use These Red Hot Tips

Negotiating may be the most critical part of the real estate purchase process. Being able to strike an advantageous deal with the seller virtually guarantees your profit. Negotiating is both an art and a skill that you will master with time and practice; I call it the “Million Dollar Skill”. Here are six tips to get you on your way to profitable transactions.

Know the Property

You should know as much as possible about the real estate purchase you’re about to make. This knowledge comes from researching the neighborhood and knowing how the property compares to others around it along with the cost of potential repair items you may find.

Know the Seller

The best way to learn more about the seller is to listen; use the 75/20 rule, listen 75% of the time and speak 25% of the time! People will be more likely to volunteer information if you give them a chance to talk. But if you aren’t finding out what you need to know, ask questions. Understanding the seller’s situation and their possible flexibility will help you negotiate financing options as well as price.

You also need to find out what the seller’s motivations are. Why are they selling? Or in the case of foreclosure what circumstances brought them to this unfortunate situation. Understanding the reasons behind the sale can help you structure a deal that meets their needs and yours.

Think Win-Win

The best real estate purchase deals result from negotiations that seek to provide something to both parties. There are certain things you want out of the deal and certain things the seller wants in order to sell. Every real estate purchase has several facets. If you can give the seller something they want, that will increase your chance of getting something you want.

Negotiate Terms, Not Just Price

Price is not your only negotiating point. Sometimes the terms of the deal are more important to the seller than the price. Once again, if you can address the seller’s needs in a real estate purchase, your offer will be more persuasive.

Maintain Control

If the seller counters your offer with an offer of his own, don’t let things spiral out of control. Prepare for counter offers by starting your negotiations low and have plenty of concession points. Don’t focus on price, but use other aspects of the deal in your negotiations. Don’t re-negotiate things that have already been decided.

Be Prepared to Move On

Don’t walk away from an attractive real estate purchase without offering your best deal, but know when it’s time to walk away. There will always be another property.

As you can see from these tips, negotiating a real estate purchase is more than two people in a room. Negotiations are won or lost in the preparation. Achieving the outcome you desire depends on your research and mental preparation.

Until next time – be well.
James Gage

Monday, July 28, 2008

Mondays & The Negotiating Business Opportunity

Hello All:

Monday afternoon...whew! These are rough.

Just after lunch, we're a little sleepy, maybe regretting having too much fun over the weekend. But really, by now we're probably looking at that to-do list from Friday that
didn't miraculously disappear over the weekend.

Just makes you want to lay your head on your desk, doesn't
it?

But it's time to gear up for another few days of hard labor...unless you've plugged into the Independent Arbitration opportunity I keep telling you about.

No, I'm not talking about fly-by-night business opportunities that promise
no work and all the money. I run away from those as fast as possible! But more realistic goals for real business people who want to work smarter...and do the work once and get paid extremely well. That's where's it at.

Nobody has done more than I, James Gage to simplify this opportunity and make it achievable for all.

<- Please follow the link over here on the left hand margin, entitled “Video” and see how you can become recession proof.

If you need any motivation to take a look at this opportunity, just watch the evening news: stock market plunges again, jog loss claims up, 2 more banking institutions fail, dollar weak, food prices escalate, small businesses filing bankruptcy at record numbers etc…

My business opportunity model shows you where to find negotiating niches, how to do the research, what tools to use and how to plan a productive, profitable, leveraged business that you actually care about, and can sell a few years down the line for hundreds of thousands of dollars if you choose.

So, for less than lunch for you and your friend or loved one over the course of month’s time frame, you can be fulfilling your own dreams today.

I can guarantee you won't be putting your head back on your desk after you start reading this report.

Peace & Prosperity!

James A. Gage

Thursday, July 24, 2008

Ten Tips for Successful Negotiating

by James A. Gage

The ability to negotiate successfully is crucial for survival in today's changing business world. Negotiation is fun if you know what you're doing. So for all you busy executives, here are James Gage's Tips for Successful Negotiating:

1. Develop "negotiation awareness" Successful negotiators are assertive and challenge everything. They know that everything is negotiable.

"Challenge" means not taking things at face value. It means thinking for yourself. You must be able to make up your own mind; as opposed to believing everything you are told. On a practical level, this means you have the right to question the asking price of that new car. It also means you have an obligation to question everything you read in the newspaper or hear on television. You cannot negotiate unless you are willing to challenge the validity of the opposing position.

Being assertive means asking for what you want and refusing to take "no" for an answer. Practice expressing your feelings without anxiety or anger. Let people know what you want in a non-threatening way. Practice 'I' statements. For example, instead of saying, "You shouldn't do that," try substituting, "I don't feel comfortable when you do that."

It should be noted that there is a difference between being assertive and being aggressive. You are assertive when you take care of your own interests while maintaining respect for the interests of others. When you see to your own interests with a lack of regard for other people's interests, you are aggressive. Being assertive is part of negotiation awareness.

2. You must become a good listener. Negotiators are detectives. They ask probing questions and then shut up. The other negotiator will tell you everything you need to know - all you have to do is listen.

Many conflicts can be resolved easily if we learn how to listen. The catch is that listening is the forgotten art. We are so busy making sure that people hear what we have to say that we forget to listen.

You can become an effective listener by allowing the other person to do most of the talking. Follow the 75/25 Rule -- listen 75 percent of the time, and talk only 25 percent of the time. Encourage the other negotiator to talk by asking lots of open-ended questions -- questions that can't be answered with a simple "yes" or "no."

3. Be prepared. Gather as much pertinent information prior to the negotiation. What are their needs? What pressures do they feel? What options do they have? Doing your homework is vital to successful negotiation.

4. Have high expectations. People who aim higher do better. If you expect more, you'll get more. Successful negotiators are optimists. A proven strategy for achieving higher results is opening with an extreme position. Sellers should ask for more than they expect to receive, and buyers should offer less than they are prepared to pay.

5. Be patient. This is very difficult for Americans. We want to get it over with. Whoever is more flexible about time has the advantage. Your patience can be devastating to the other negotiator if they are in a hurry.

click here to read the rest of
the article


Wednesday, July 23, 2008

Negotiating Business Question of the Week

Hello All:

As you can imagine, I receive a number of e-mail questions per day. That being said, I thought I would post 1 e-mail question a week for the benefit of you, my faithful blog readers!

This week our question comes from Rob Johnson from Cooper City, Fl :

"James, is the Negotiating business opportunity you advocate going to be impacted by the

Uniform Debt-Management Services Act ?"

Thanks Rob for the great question. The act you are referring to is just a proposal that will only pertain to individual consumer debt! There have been wide spread abuses in the consumer counseling arena for a number of years, and hundreds of thousands of complaints lodged against the industry as a whole. This is one of the reasons we do not handle individual debt, just business debt.

In addition to being an extremely regulated industry, individuals don't have money to pay you for your negotiating expertise. As I always say " if they can't pay a $20.00 credit card bill, what make you think they will be able to pay you for your professional services rendered?"

I hope this answered your question.

Be well,

James A. Gage

Sunday, July 20, 2008

How To Pick The Best Business Opportunity For You !

By James A. Gage

Browsing the internet there are literally thousands of business opportunity resources and a person often gets overwhelmed by the sheer choice of programs, and services.

When looking for a business opportunity you should look for 7 primary qualities:

1. Integrity : Does the company have a reliable track record/history?

2. Value : Is the company providing a valuable service/product?

3. Training : Do they provide you with quality one-on-one training and materials?

4. Support : Is it easy to contact them and do they reply in a timely fashion?

5. Compensation :Is your effort rewarded in a timely manner (Return On Investment)?

6. Investment : Does the opportunity require tens of thousands of dollars to get started, and years for you to recoup your initial investment?

7. Recession Proof : Can it be profitable in an up, down or side ways economic market?

All these qualities are important when choosing a business opportunity.

Too many people jump in to an opportunity such as MLM ( Multi Level Marketing) that promises them mountains of gold, only to find that they have been ripped off after the opportunity seems to have disappeared into thin air or has gone bust.

Another opportunity being marketed is that of the franchise. A franchise business is a method a company uses to distribute its products or services through retail outlets owned by independent, third party operators. The independent operator does business using the marketing methods, trademarked goods and services and the "goodwill" and name recognition developed by the company. In exchange, the independent operator pays an initial fee and royalties to the owner of the franchise.

The company that grants the independent operator the right to distribute its trademarks, products, or techniques is known as the franchiser. The independent, third party business person distributing the franchiser's products or services through retail or service outlets is called the franchisee. The franchiser charges hundreds of thousands of dollars for a license, and in addition may require annual payments to continue using their name and trade marks.

What ever business you choose to get involved with make sure it meets your budget and expectations! There is nothing worse then starting a business that becomes un-enjoyable, unprofitable, and finally becomes a 80 hour torture chamber.

Wednesday, July 16, 2008

The Economy & Arbitration

Hello All:

You've heard the news...

Banks are going out of business.
Fuel prices are at an all-time high.
Real estate is in the tank.

So why the heck would I tell you NOW is the best time to finally get off
your duff and start making money with Independent Arbitration?

Well, two reasons:

Reason #1: It's the only business you can start without needing to invest a
small fortune to get off the ground! (I will show you how within 14 days).

And...

Reason #2: Business debts are at all time highs, and with the bankruptcy law revisions there are only a few options for business owners

Makes sense right?

Now what if I told you I was going to show you how to...

  • Find a unlimited number of clients
  • Negotiate like a seasoned pro
  • Setup your business for under $100.00
  • Make a 6 figure income on a part time basis

Would that get your attention?

If the answer is yes, then go to http://www.negotiatingforaliving.com
and find out how you can start your own "recession proof" Arbitration business
with no risk TODAY.

And if you ever have any questions never hesitate to give me a call at 508-595-9567.

All the best...

James A. Gage

PS: Don't forget to watch our video.

Monday, July 14, 2008

Debt Arbitration: A Business Whose Time Has Truly Come!

by James A. Gage

Imagine for a moment that there was a business that produced a wonderful income with virtually no competition, while helping people resolve business debt, IRS obligations and litigation out of court, along with knowing that you have made a business avoid filing bankruptcy, thus becoming viable again. Best of all you do not need a business or legal degree or background! What would you say?

Most people are tired of commuting to work every day and are frustrated that they are not able to earn the type of income to get the extras out of life. The advantages of your own Independent Arbitration business are endless, but most of all, you will have a feeling of accomplishment and fulfillment as you help people resolve their problems.

With Independent Arbitration you can have a successful and profitable business working from home. All you need to insure that success is a professional marketing plan, specialized training and a Niche. I would like to introduce to you Independent Arbitration.

Let me reassure you, first of all, the profession is a very simple business not requiring the normal start-up capital, employees, selling expenses, inventory, financing, office space or advertising one would engage in starting a new enterprise. You don’t need a specialized business education, law background, law degree or any special training other than our program. You don’t even have to contend with any governmental regulations, inspections, permits, bonds or licensing. In fact, the very plain truth is that Independent Arbitration is like nothing ever seen or offered before.

In my opinion, Debt Arbitration (which it's sometimes referred to) is better than any franchise, business opportunity, mail order or multi-level scheme. It’s significantly better than working 8-5 job. Independent Arbitration is a simple concept that literally thousands of businesses need year in and year out. You can have the prestige of a professional, the income of a lawyer, leisure time like a dentist and a business you can sell for significant money a few years down the road. No nights. No weekends. No stress.

Ok, now for the million dollar question how much money can you make with this business? The average case generates about $2,500 to $3,000, but higher cases abound. You can set your own fee schedule and your own hours of operation - it’s your business.

Whether you're looking for a career change or the ultimate home-based business, the Independent Arbitration field is for you! They say all journeys begin with a first step, why not call us today at 508-595-9567, and see how a career in Arbitration can and will change your life!

Thursday, July 10, 2008

Home To Pick A Home Based Business

By James A. Gage

Browsing the internet there are literally thousands of business opportunity resources and a person often gets overwhelmed by the sheer choice of programs, and services.

When looking for a business opportunity you should look for 7 primary qualities:

1. Integrity : Does the company have a reliable track record/history?

2. Value : Is the company providing a valuable service/product?

3. Training : Do they provide you with quality one-on-one training and materials?

4. Support : Is it easy to contact them and do they reply in a timely fashion?

5. Compensation :Is your effort rewarded in a timely manner (Return On Investment)?

6. Investment : Does the opportunity require tens of thousands of dollars to get started, and years for you to recoup your initial investment?

7. Recession Proof : Can it be profitable in an up, down or side ways economic market?

All these qualities are important when choosing a business opportunity.

Too many people jump in to an opportunity such as MLM ( Multi Level Marketing) that promises them mountains of gold, only to find that they have been ripped off after the opportunity seems to have disappeared into thin air or has gone bust.

Another opportunity being marketed is that of the franchise. A franchise business is a method a company uses to distribute its products or services through retail outlets owned by independent, third party operators. The independent operator does business using the marketing methods, trademarked goods and services and the "goodwill" and name recognition developed by the company. In exchange, the independent operator pays an initial fee and royalties to the owner of the franchise.

The company that grants the independent operator the right to distribute its trademarks, products, or techniques is known as the franchiser. The independent, third party business person distributing the franchiser's products or services through retail or service outlets is called the franchisee. The franchiser charges hundreds of thousands of dollars for a license, and in addition may require annual payments to continue using their name and trade marks.

What ever business you choose to get involved with make sure it meets your budget and expectations! There is nothing worse then starting a business that becomes un-enjoyable, unprofitable, and finally becomes a 80 hour torture chamber.

That being said, why not look into the ultimate home based business opportunity -Independent Arbitration? Click on the link on the left side of this page labeled video, and see why you should get involved with this lucrative home based opportunity.

Wednesday, July 9, 2008

Is The Independent Arbitration Field Poised For A Growth Explosion?

by James A. Gage

With the recent bankruptcy changes signed into law by the President, how does this change the Independent Arbitration Profession? I believe this is exciting news for our profession- let me explain. Whether you are already in the profession or looking to get involved with this “Business whose Time Has Come" let me remind you why this is such a lucrative business and why it still is in it’s infancy.

The Demand for Professional Arbitration Services is Extremely High and Growing !

Professional Arbitration is a multibillion dollar industry. There are literally tens of thousands of unresolved Debt disputes. Until now, the parties involved had no option, other than to be dragged into the process of litigation (court) to try and salvage whatever possible. Independent Arbitration is the alternative.

You can earn income on a par with any Professional ! (Income potential is $7,000 - $35,000 or more per month full time)

The time for entering the Independent Arbitration Profession is now. Law suits and bankruptcies are at record levels. Until now consumers and business owners had no alternative but to use legal methods to resolve debt problems.

Litigation and Attorney costs are at a all time high.

Everybody involved is desperate for a viable alternative. The Arbitration and debt Arbitration Industry is experiencing very high growth in North America and across the globe.

Okay, with that being said how do the new bankruptcy laws play into this scenario? Prior to these changes in the bankruptcy laws all you would have to do is breath on a mirror in order to walk away from your personal and business debts- that has changed!

The laws in respect to Chapter 7 bankruptcy have changed drastically and now provide for repayment of debts if your income is above the poverty guidelines set in each state for example the poverty guideline in Massachusetts for a family of 6 is $56,000.00. If your business or personal income is above that guideline, you can file for bankruptcy protection, but you must make arrangements to pay back your creditors through a trustee of the bankruptcy court.

Here’s the good part for our profession: We as Independent Arbitrators can provide many other options to our clients then the legal system can in addition we can obtain better payment agreements and lump sum settlements for our clients.

In conclusion, you can see that there are going to be more litigations filed in the United States for delinquent accounts both on the personal and business venues then we have ever experienced before - this translates to more clients for our profession. It has been said we live in a very lawsuit crazy society, guess what? You haven’t seen anything yet.

Monday, July 7, 2008

Just How Bad is the Economy?

by James A. Gage

The total consumer debt reached $2.46 Trillion as of June 2007. In 1929 only 2% of homes were mortgaged. Now it’s nearly 99% ! Every year we set a new record for the number of people who file for bankruptcy - currently it’s nearly one million people per year throwing their financial future down the drain. The average debt per American household with at least one credit card is $8,940. Foreclosures are at epidemic levels across the country, coupled with soaring food, oil and gas prices.

Now let’s talk about small to mid cap businesses. The numbers cited above can be doubled or tripled for the small business or mid sized corporation! USA Today stated in a recent article that 2 out of 3 businesses are under financial attack and facing closure without any end in the trend!

It has been my experience that most businesses feel their only way of escape is bankruptcy; can you now see how important the independent arbitration profession is in these uncertain times?

Imagine helping a business stay viable through your negotiating skills, and getting paid handsomely for it.

By now, it should be clear to you just how large this problem is. And it will only get worse because the people in trouble don’t know how to get out of financial peril. They don’t know that there is an easy way to put an end to their problem; that is hiring a Professional Independent Arbitrator.

Negotiating For A Living

Hello All:

James Gage here; and I want to take this opportunity to thank you for stopping by my blog. Within the confines of this blog, not only will you find out how to become a world class negotiator but you will learn how to take these specialized tips and strategies and use them in a unique 5 figure income business opportunity – Independent Arbitration !

Please sign up for our Free Negotiating For Profit Newsletter, and don’t forget to view our video, which explains this unbelievable business opportunity.

Until next time, be well.


James A. Gage