Thursday, March 4, 2010

How To Negotiate a Person-to-Person Loan Interest Rate

How To Negotiate a Person-to-Person Loan Interest Rate

How To Negotiate a Person-to-Person Loan Interest Rate

Posted: 04 Mar 2010 05:40 PM PST

You need to borrow a certain amount of money but you can't pay the large interest rate offered by traditional banks. A person-to-person or peer-to-peer loan can help you.

Unlike in banks, a person-to-person loan is a direct communication between you and the lender. Banks use an intermediary to process the agreement, thus the higher interest rate. With a person-to-person loan, you can enjoy a lower interest rate.

Don't think, however, that this type of loan is like your friends or family handing you money for no interest at all. Even though it's a person-to-person communication, this kind of loan is still processed under certain legal terms. What's more is that you can still negotiate with the lender for a lower interest rate. But how will you convince the lender to offer you a lower interest rate?

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How To Choose the Best Headset for Skype

Posted: 04 Mar 2010 05:34 PM PST

Skype revolutionized Internet messaging when it offered easy-to-use, high-quality, and free computer-to-computer calls over the Internet. Using your own computer, an Internet connection, audio speakers, and a microphone, you can make calls to other people who are hooked to the Internet. The software to use is Skype, and it can be downloaded at no cost. With Skype, you can make free calls to other Skype users. Or, you can call landline phones and mobile phones at very low prices.

If you recently bought a laptop, it is most likely ready for Skype calls. Most laptops these days already come with a built-in microphone and speaker system. These two are required for making Skype calls. Or, if you have a desktop computer, you probably already have speakers and a microphone attached to your audio input jacks in front or at the back of your computer's casing.

Why then, would you ever need a headset for use with Skype? Only two reasons: convenience and comfort.

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How To Negotiate a Win-Win Conflict Resolution

Posted: 04 Mar 2010 05:33 PM PST

Do you feel good when you have taken advantage of other people? What if you have been taken advantage of by other people? The former will develop pride while the latter will develop lower self-esteem. Both will degrade either your value or your self-worth. So in the end, the losing-winning situation doesn't make everybody happy. You can turn that into something acceptable for both conflicting parties by aiming a win-win situation on a negotiation.

Negotiating for a win-win resolution can be difficult if the two parties are not willing to talk civilly. Once the willingness to negotiate is achieved, it's time that both parties prepare for the negotiation.

There are certain factors you have to think over when preparing. These are:

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How To Choose the Best Foundation for Your Skin Type

Posted: 04 Mar 2010 05:31 PM PST

You put on makeup to make your skin, particularly your face, look prettier. However, if you mismatch your makeup, your face could end up looking awkward or unsightly rather than pretty. One of the most important cosmetics that you need to put on your face is foundation. The purpose of putting on foundation is to make your skin look evenly colored, as foundation is usually the color of skin or flesh. Sometimes, you would want to put on foundation to temporarily alter your natural skin tone. This article will discuss some tips that will help you find the best foundation that will match your skin type.

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How To Negotiate a Tenant Renewal Lease

Posted: 04 Mar 2010 05:28 PM PST

For years, you have been paying high rental fees to your landlord. Now, it's almost time to renew your tenant lease. You should take this opportunity to negotiate a deal that will work to your advantage as a tenant. But how will you convince the landlord that you deserve a better deal? It should start with some good reasons.

Before you start negotiating for better deals, you should first have a good reason why the landlord will agree to your request. Here are some of the good reasons you can use for negotiating:

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How To Choose the Best Electric Space Heater

Posted: 04 Mar 2010 05:27 PM PST

When spending a very cold winter night at home, the best companions that you could possibly ever have are a partner that you can cuddle with and an electric space heater. Some people are lucky to have both. If you're one of those who only have a human partner, or who doesn't have either one at all, you better get the best electric heater for your comfort needs during the cold winter months. This article explains some of the factors that you need to consider when looking for an electric space heater.

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How To Negotiate a Talent Agency Contract

Posted: 04 Mar 2010 05:26 PM PST

Signing a talent agency contract can open a lot of doors for you. It's like you have entered a room full of opportunities. This can be a dream for most talents, but it's nearly a dream-come-true for you. But before you get too excited and sign the contract, read this guide first. There's always a possibility that the talent agency will fool you and entice you into signing a contract that will only be beneficial for them. Worse, this contract can be harmful for you. Knowing how to negotiate a fair deal is necessary, especially for beginners.

Here are the things you should put importance when negotiating a contract in a talent agency:

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How To Choose the Best Corporate Gifts

Posted: 04 Mar 2010 05:24 PM PST

The best investment that you can pour into your business is not cash - it's the goodwill that your employees, customers, and business clients have towards your company. Without a positive feeling or a favorable impression towards your company, your customers and clients will be less inclined to do business with you. Thus, everything must be done to preserve goodwill so that your employees will feel more motivated to work hard for you, and your customers and clients will continue to rely on you and trust you for business. Among others, one effective way to create or maintain goodwill is to give corporate gifts.

One reason you would want to give away corporate gifts is to show your appreciation and gratitude. For employees, it's to show that you appreciate their loyalty and dedication. For customers and clients, it's to show your gratitude for the trust and respect - and the profit, of course.

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How To Negotiate a Postnuptial Agreement

Posted: 04 Mar 2010 05:22 PM PST

The law considers two persons who marry each other, as one. Therefore, when you get marry, all the assets and debts of each other are shared. But this would not be the case if you had a prenuptial agreement. With a prenuptial agreement, you can state the separation of your financial properties from your spouse. But what if you can't have a prenuptial agreement anymore? You can still enjoy the benefits of this agreement with a postnuptial agreement.

Postnuptial agreement, as its name implies, is an agreement signed when you are already married. This agreement serves the same function as the prenuptial agreement. But unlike the prenuptial, the postnuptial agreement can be more emotionally challenging. Negotiating the right way for a postnuptial agreement will help you get a yes.

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How To Choose the Best Class, Race: World of Warcraft

Posted: 04 Mar 2010 05:20 PM PST

World of Warcraft (also fondly called WoW) is a very challenging MMORPG (massively multiplayer role-playing game). In this game, you get to play with numerous other players within a virtual universe. Since this is a role-playing game, you need to know what role you want to act out in the game. The role that you choose can be expressed in terms of your game character's race and class. This article discusses some tips that will help you choose the best race and class for your game character in World of Warcraft.

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How To Negotiate a Literary Property Acquisition

Posted: 04 Mar 2010 05:15 PM PST

You may not instantly be the author of a literary piece but at least you can be its copyright owner. This is possible if your negotiation for a literary property acquisition is successful. Good thing, it's very rare that this kind of acquisition fails. As long as both you and the literary property owner agree on terms and conditions, there will be no stopping you from getting the right to use the literary piece.

For now, you should learn what to do. Below is the step-by-step guide to negotiating for a literary property:

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How To Choose the Right Decorations for Your Wedding

Posted: 04 Mar 2010 05:14 PM PST

Planning and organizing a wedding is a symphonic undertaking. Everything must be in sync for it to come out beautifully with nary a petal out of place. Nothing should look overdone, overboard, and tacky but everything should be over-planned. Yes, over-planned down to the littlest detail. Think of this as akin to a symphony where rehearsals are done until the time the curtains go up. In your case, before you walk down the aisle. Nothing should be overlooked including your decorations.

Here's how to choose the right decorations for your wedding.

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How To Naturally Treat Abscesses

Posted: 04 Mar 2010 05:12 PM PST

An abscess is a collection of pus that can form anywhere within the body. They may appear anywhere in the body, and are caused by the pooling of the pus formed when our immune system fights off infections from bacteria. When they occur on the skin, they are known as boils, furuncles or carbuncles. They can be caused by a weakened immune system: when the body is unable to fight off infections on its own, the pus gathers into an abscess, which causes pain. They are not a purely aesthetic problem, if left untreated, these abscesses may seed to other parts of the body and cause systemic shock. For minor abscesses, here are some home remedies you can try before going to a doctor.

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How To Choose the Best Shampoo and Conditioner for Hair

Posted: 04 Mar 2010 05:10 PM PST

Your hair is one of the first few things that other people will look at in order to evaluate or assess your attractiveness. As far as hair is concerned, many people look not just at your haircut or style, but also the health and quality of your hair. Unhealthy hair, of course, is dry, dirty, and difficult to manage. It can also lead to hair and scalp problems (e.g., scalp itchiness). So that you can keep you hair healthy and shiny, you need to wash it with the shampoo and conditioner that is right for your hair. This article discusses the most important factors that you need to consider when shopping for the best shampoo and conditioner for your hair.

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How To Naturally Relieve Eczema

Posted: 04 Mar 2010 05:09 PM PST

Eczema is inflammation of the skin that is triggered by substances called allergens, or even changes in the environment. While not overtly life threatening, the aggravating sensation of the itch and the unsightly red blotches may be a cause of worry and concern for you. While there has never been a definitive cure for eczema, there are a lot of available treatments, both pharmacological and natural, which are available for you to choose from. If you want to take the natural route and avoid those medications, here are some tips you have to keep in mind when naturally relieving your eczema.

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How To Choose the Best Radar Detector for Speeders

Posted: 04 Mar 2010 05:07 PM PST

Radar detectors are gadgets that detect radar signals from equipment used by law enforcement agents who monitor roads and highways for speeders. Such detectors also warn drivers of the presence of a highway patrol officer lurking up ahead, waiting for speeders to pass by. Provided you are law-abiding and keep within the speed limit, you won't ever need such warning devices. However, there are times when you unknowingly go beyond the speed limit. The over-acceleration is not necessarily intentional. Sometimes it just happens, especially if you are driving on a very long highway. In this case, you might want to install a radar detector in your vehicle. This article will offer you tips and advice on how to choose the best radar detector.

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How To Naturally Reduce Lower Back Pain

Posted: 04 Mar 2010 05:05 PM PST

A lot of people suffer from chronic back pain. While some resort to the use of medications, you may not want to grow dependent on painkillers for such a chronic problem. The reason to choose natural and non-pharmacological methods of treatment may vary from the fear of side effects, to the individual preference for natural things. If you are one of those people who suffer from lower back pain and want to avoid taking medicines, here are some possible solutions that you may want to consider for reducing your chronic back pain.

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How To Choose the Best Photography School

Posted: 04 Mar 2010 05:04 PM PST

If you want to be very good at photography, you might want to study in a good photography school. The best photography schools will not only give you theoretical and practical training but will also equip you with the proper mindset and attitude to succeed as a professional photographer. In this article, you will read about some tips and advice that can help you find the best photography school for you.

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How To Naturally Reduce Anxiety

Posted: 04 Mar 2010 05:02 PM PST

Anxiety affects a lot of people, and not only just those with personality problems. The stress and exhaustion of the daily work grind can take its toll on your mental health and well-being. People who suffer from anxiety will have sleeping problems, difficulty working and may even become ill because their immune systems are compromised. Instead of wasting your time worrying about your job, your family, and your health, try to reduce your stress levels by pursuing the natural methods of reducing anxiety. Here are some easy to follow tips to lower your stress levels and reduce anxiety.

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How To Choose the Best Organic Mattress

Posted: 04 Mar 2010 05:00 PM PST

Many people these days have learned to opt for organic mattresses not just because organic mattresses have become fashionable again but also because organic mattresses have health advantages that synthetic mattresses can't provide. For example, natural wool used in organic mattresses is ideal for those with chronic allergies because it repels dust mites. Moreover, organic mattresses are also more durable than mattresses made of synthetic polyurethane. This article offers you tips and some pieces of advice for you to remember when shopping for the best organic mattress for you and your family.

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How To Naturally Lighten Hair at Home

Posted: 04 Mar 2010 04:59 PM PST

If you want that sun-kissed beach bunny look, nothing complements a great tan better than getting your hair lightened. While you can go to a beauty salon and pay for hair treatment, there are also a lot of home remedies available to lighten hair color. You don't have to put your health and the environment at risk by using chemicals and other potentially toxic substances: here are some easy to follow techniques to get naturally lighter hair at home.

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How To Clean a Hardwood Floor After Taking Off Carpet

Posted: 03 Mar 2010 10:43 PM PST

When your carpet gets old and ugly, your hardwood floor could bestow your house a completely new look. There are a number of ways on how you could make the natural beauty of your hardwood floor stand out again. And here's the good news, you could do it on your own. Here are your guidelines:

1.    Protect your hardwood floor by removing your old carpet carefully. Check how your old carpet was attached to your hardwood floor. You should have the right tools to be able to accomplish the task effortlessly and quickly. Anyway, your old carpet may have been attached to the hardwood floor using either an adhesive or nails/tacks.

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How To Choose Wedding Shower Games

Posted: 03 Mar 2010 10:41 PM PST

Wedding preparations can be very nerve-racking so that at times the bride and groom-to-be are filled with anxiety all throughout the preparation stage up to the big day. That said, what the couple especially the bride needs is an occasion to ease the stress away. This is where wedding or bridal showers come into the picture. While wedding showers are said to have originated from dowry practices, today's wedding showers are intended to help the couple establish their future home together, and give them a relaxed, entertaining, and memorable time with people they hold dear prior to the big wedding day. If you are hosting a wedding shower, you should know that it is not complete minus interesting games. To help you choose what kind of games to play, consider the following points.

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How To Clean a Granite Countertop

Posted: 03 Mar 2010 10:40 PM PST

Formed by volcanic magma, granite is definitely a unique stone. It resists heat and it is very sturdy. It comes in varied exquisite colors. Over the years, it has been the principal choice for households that need a superior countertop. However, a granite countertop demands continuous maintenance. Cleaning it should also be done carefully and cautiously.

Well, stop figuring things out now. Here are some tried and tested techniques to make cleaning your granite countertop uncomplicated:

1.    Clean it thoroughly, daily. Your routine should include dusting off the granite countertop with a microfiber cloth. Whenever necessary, sprinkle it with water and then, wipe it down, again, with a microfiber cloth.

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How To Choose Wedding Announcement Stationery

Posted: 03 Mar 2010 10:36 PM PST

Wedding announcements are the initial impressions your guests will have of your wedding. The simple detail such as the type of material you choose for an announcement stationery can give people an idea how formal the occasion will be not to mention how expensive. Like any part of the wedding preparation that requires a budget, you will find choosing wedding announcement stationery is no easy task. You need ample time to decide what fits your personality, the tone you wish to project on the occasion, and find the affordability as well as the availability of your choice. Consider the following tips to help you get that wedding announcement stationery that is within your means.

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