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Running in a race can be a lot of fun. Much of this fun comes from being surrounded by all the other racers. Some races even have tens of thousands of participants. So, unless you are an introvert (and some runners truly are), a race like this can be like fun to the tenth power.

But a race, especially a larger race, presents certain hazards. And some of those hazards come from your fellow runners. Consider the following hazards before your next race, so you that you may avoid more of them and get to enjoy the race instead of later regretting it.

Hazard: Stopping to tie a shoelace

This is a classic hazard that tends to happen toward the start of a race, when a runner’s first response is to take care of the loose shoelace instead of to consider where he or she is and that stopping in a crowd of runners could cause a lot of falls. It usually occurs with a new runner, but it can happen with a veteran runner, too.

Avoid this hazard by being very observant for the first mile of the race and by every so often listening for flopping laces and glancing at other racers’ shoes.

Hazard: Tossing a cup

This hazard most often occurs in the water-stop areas of races. A runner grabs a cup of water, pours some of it over his or her head or sips some of it, and then carelessly tosses the half-full cup to the ground, leaving you to possibly slip on it.

Avoid this hazard by running far around water stops where you need not get hydration and by watching other runners carefully when you join them to get your own cup.

Hazard: Spitting phlegm

This hazard is more psychological than physical. Running a race requires good breathing, so running will often quickly reveal to a runner that his or her airway is partially blocked. Getting spit upon by a runner who has just cleared a throat that has filled with phlegm likely will not affect you physically during the race, although you could eventually develop a cold from that spit, if it lands in the wrong place. But getting spit upon can ruin your attitude, if you let it, which can hurt your performance as well as your enjoyment of the race.

Avoid this hazard by listening for nose sniffles and throat clearing from fellow runners.

Many people who get into serious debt appear to do nothing about it, which can just makes matters worse. This inactivity is usually just to do with a lack of understanding about the best ways to deal with debt, though with some people there is also an element of hoping that if you ignore it long enough it might go away. The one thing you can be sure of is that it will not go away, but once you understand what you need to do, you can take steps yourself to become debt free once more.

If you ignore creditors and do not communicate with them, they will fill that vacuum with their own assumptions. In the absence of other information or any kind of relationship, it will be easy for them to assume that you could pay them back if you really wanted to, but are simply choosing to keep the money you owe. So the first thing you need to do is to acknowledge that you have a problem, be up front about the reasons that you are unable to pay, and assure them that you are serious about finding a way to resolve the situation.

When your financial situation gets beyond a certain point, it becomes pretty much impossible to find a way to pay back everything that you owe in full. If your debts are huge and your income small, this equation is unlikely to ever balance out. If you did have a steady income and a reasonable amount of money spare each month to put towards your debts, then you could look at a debt management plan. For many people, however, this is not an option because they cannot afford to keep up the required payments.

In such situations the only option other than bankruptcy is to negotiate settlements with your creditors. Rather than trying to find ways to pay back your debt in full, when you negotiate debt settlements you are trying to get your creditors to agree to write off a large part of what you owe them. Someone who knows how to negotiate debt effectively will normally manage to get well over half your debt wiped out. The flip side is that the remaining amount needs to be paid back relatively quickly, usually in one lump sum or a series of fairly quick payments. The fact that you do not have a large lump sum of cash sitting around for this purpose is not necessarily a problem, as this is usually the situation.

When thinking about how to negotiate debt you essentially have two options for how you move forward. You can either try to undertake the negotiations yourself or use a specialist debt settlement company to do it on your behalf. For UK residents it is worth mentioning that debt settlement companies do not really exist as they do in the US, because there is a formal scheme called an IVA, which is widely used to deal with the same situation. At the end of an IVA your remaining debts are written off, so the end result is the same as debt settlement.

By undertaking the negotiation yourself you save on having to pay any fees to a debt settlement or IVA company, but that is only worthwhile if you manage to get as much written off as they would have. You need to understand that simply trying to persuade a credit card company, for example, to let you off with 60% of what you owe them is not going to work unless you understand the details of how and why they might be prepared to do that.

Understanding how to negotiate debt settlements is about understanding how your creditors treat bad debts. Each company will have a slightly different policy on how they deal with such things, and knowing this is essential to being able to time your negotiations for maximum effect. There are times to ignore calls and offers from creditors and other times when your proposal is most likely to succeed.

It is certainly possible to negotiate deals that are as good as those achieved by the professional debt negotiators once you have a thorough understanding of how to negotiate debt properly. In order to achieve this you need to have a reliable source of information and advice on the debt negotiation process. There are various guides and learning sources available, but not all are of much real use. What you need is detailed advice from someone who understands the process inside out. A good guide should tell you when to call, what to say, when to write, what to write, and give you full step by step instructions. The best guides on how to negotiate debt are proper learning tools that even include one to one advice and ongoing support throughout your settlement process.

The alternative is to use a specialist company to negotiate debt settlements for you, for which they will take a percentage of what they manage to save. Going down this route is obviously much easier, though you will pocket a bit less of the savings achieved. Do exercise some caution over which company you use, as not all will deliver what they promise. It is best to follow recommendations for settlement companies that are known to be reliable and reputable, then approach at least three different ones.

When You Solve Their Problems – Only Then Do You Get Their Listing!

That’s all consumers want – as all of us buy products and services that resolve our problems. For example, you buy a lawn mower to solve your problem called ‘long grass’.

Well the same applies to sellers. They have 12 problems they want resolved before they’ll agree to list with you. By showing them the solution to these 12 problems, you’ll get their listing. And isn’t that the reason why you go on listing appointments in the first place!

1. First Impressions Do Count!

Let’s face it, first impressions do count. Would you take a buyer out to view homes driving a rusted out 1974 Buick? Would you attend a listing appointment wearing a tee shirt and shorts? Or how about giving a prospect a handwritten business card? Of course not, for you know image is critical for success. This is why it is essential for you to use only high quality, impressive and effective marketing materials to guarantee your success.

2. You May Not Like It, But Homeowners Do Judge A Book By Its Cover!

Image and impression are as equally important when it comes to the listing presentation itself. Just think of all the prospecting time and effort you’ve invested to book the listing appointment.

* Are you going to blow it all away by using a non-personalized, ineffective, company standard listing presentation?

* After all, you only have one chance at making a good impression!

And you need to invest only a few dollars to achieve exceptional ‘first impression’ results.

3. What Is The Homeowner Hearing From Other Agents?

Do you know that the average homeowner interviews 2 to 7 real estate agents before selecting one to list his home? This presents us with a question that is extremely important to success. What are these other agents telling the homeowner about the marketing strategies for his home?

* Public Open House

* Newspaper ads

* Local TV & radio ads

* Internet Exposure

* MLS Open House

* Office Open House

4. With Every Realtor Telling The Homeowner The Same Thing… Which Agent Do You Think The Homeowner Decides To Select As The Listing Agent?

The answer is… The one agent the homeowner is most impressed with when it comes to the content and appearance of the listing presentation itself.

5. What Do We Mean By Content & Appearance?

Perhaps this example will help us to effectively explain the issue. When you go to a grocery store and walk down the cereal aisle you’ll find manufacturers competing with each other for your business via professionally designed boxes that are exceptional in content and appearance. (Content means the words on the box and not the the cereal in the box.)

Why?

Well, corn flakes are corn flakes and they know it. So in efforts to make a distinction in the eyes of consumers over their competition, they invest literally tens of thousands of dollars in designing just the right looking box.

6. Therefore, Your Extra Advantage Over The Other Agents Is Found By…

Having a listing presentation that not only is great in content but is also visually impressive!

7. The Vast Majority of Homeowners Want To Be Educated Instead Of Sold By A Realtor!

Just put yourself into the back into the shoes of a homeowner for a moment! Would you want your Realtor using a ‘sales’ approach while on the listing presentation or would you rather prefer your Realtor to ‘fully explain’ every detail of the marketing process?

* The obvious answer is education.

And top listing agents understand this point and have designed their listing presentations to be educational instead of sales oriented. The end result are more listings with fewer problems!

8. And This Is What The ’12 Reasons Why To List With Me!’ Presentation Is All About!

It is for those agents who do not want to use sales tricks and gimmicks in an effort to get a listing. In plain language, they want to teach rather then sell homeowners into their services.

9. Why Do ‘Top Producers’ Use The ’12 Reasons Why To List With Me!’ Format?

There are two reasons why 83.7% of top producers choose this listing presentation format over all others available within the industry.

Reason #1: To Create Problems!

* Top producers value the power of problems. They understand problems, and their solutions, are the reasons why homeowners make the decision to list a home. However top producers approach these problems and solutions in an unique way.

* They do not wait for the homeowner to present a problem. Rather top producers ‘seed’ their listing presentation with specific problems. They then outline the solutions to these problems to the homeowner throughout the presentation. This strategy translates into more listings, more often than any other listing presentation style.

Reason #2: To Create Division!

* Top producers understand their listing presentations must cause the seller to agree to list before they discuss home pricing. This division between service and price is essential in terms of securing a listing.

* In fact, failure to separate service from price within a presentation is the #1 reason why average Realtors lose listings.

10. But That Does Not Need To Happen To You Anymore!

The “12 Reasons Why To List With Me!” listing solution will show you how to divide the listing presentation from the pricing presentation, allowing you to gain the commitment to list from the seller before you discuss price.

This results in an incredible explosion in listing success. And listings are the name of the game for any Realtor who wants to earn $150,000 + per year!