Bankruptcy And Debt Settlement – The Best Method In The Present Market

When it comes to different kinds of debt relief options available in the market, bankruptcy and debt settlement appear as two main methods through which the people are trying to get rid of massive debts. Even though some people have a misconception that both of these methods are carrying the same results, in reality, it is completely different.

In fact, if you are trying to eliminating massive unsecured debts through one of these methods, it is essential to know what the best method in the present market is. As a matter of fact, if we take bankruptcy, it is evident that many people are trying to eliminate debts through it as they think that it is one of the easiest methods they can use to get away from debts. But, in practical situations, bankruptcy is creating a lot of problems.

Even though a person could reduce his/ her liabilities through bankruptcy, it will have bad outcomes on his/ her future. For instance, a person who files bankruptcy might get rejected from future bank loans, face difficulties in finding new jobs, apartments, etc. So, filing bankruptcy should be the last option of a person who tries to get away from credit.

But, in the present, debt settlement has become much safer than filing bankruptcy. Especially, with the introduction of new laws by the Federal Trade Commission, there is no space for fraudulent settlement companies anymore. In fact, only the most legitimate companies will be able to survive in the financial field. Moreover, as people can eliminate their debts even up to 60% through settlement, it has become very popular among citizens.

In addition, the people who use settlement as their credit elimination method will not face bad outcomes like in bankruptcy. Actually, when bankruptcy and debt settlement are considered, settlement undoubtedly becomes the best option in the present market especially due to the attractive way it guides its consumers.

Shark Deterrents – Past & Present

Since humans have gone into the water with sharks the desire to be able to repel sharks has always been ever-present. The natives in the Amazon used red peppers dragged behind a boat to stop bull sharks and many other ancient cultures used many other methods with little or no definitive success.

Until the 1900′s no real effort was pursued and the pivotal moment was the USS Indianapolis which was sunk in World War II. Once the sailors went into the water the ocean white tips and other open ocean sharks picked off those who survived in great numbers.

This prompted the US navy to develop a shark repellent that would give sailors a sense of comfort and safety if they found themselves in the water with sharks. The packet was composed of a dye and copper acetate as the main ingredients which in some cases deterred sharks. There was also a bag that the sailor or airman got into which masked his scent and hopefully prevented a shark attack.

Under optimal conditions these deterrents and protective measure worked but the shark being one of the ultimate predators of the oceans was not always prevented from attacking the person in the water. So many conditions need to be perfect for these deterrents to be effective such as the type of shark, the water conditions, salinity, current, proximity to the shark and how hungry the shark is.

In recent years technology has improved and so have innovations in shark defense. Magnets, electro-magnetic fields and chemicals have been developed with varying claims of success.

Some of the products on the market today are the shark banz, shark shield, shark replusion, shark chaser, electronic shark defense system, shark defense and a new entry being, shark bio barrier. Well, the shark may or may not be affected by any or all these systems at any given time, place or condition. That’s a fact!

The prices range from $25 to $499 and everything in between. One thing to consider if the shark deterrent is an electronic device then the salt water will eventually render it useless. If it is a passive magnet device then it won’t break but the science is still uncertain as to its effectiveness. And if it depends on a dead shark chemical then it still is affected by currents, the type of shark, water conditions and other variables. In other words nothing works all the time every time, period!

The thing about sharks is they are smarter than we realize and will sense that the particular deterrent they are dealing with has its limitations and will exploit the limitations by testing what it can or can not do. Remember that all the testing in the world will not prevent an ambush attack or an aggressive shark such as a large bull or tiger shark.

The shark deterrent, shark bio barrier is based on the shark’s smell and electric sensing system and it is a passive system which can’t break or fail due to a malfunction. The bio available essential oils with the natural magnetic mineral, magnetite work in combination to mask your odor, make your presence unpleasant and disrupt their electric sensing system. Priced at $29.95 for the recreational size it is very affordable and comes in a canister with a built in brush so you can lightly coat different objects on your person prior to entering the water. Very easy to apply and remove.

Is it perfect? No, nothing is and may never be! There are so many different species of dangerous sharks that under various conditions will attack out of curiosity, hunger or outright aggression. There are too many variables in play to guarantee total shark deterrence but if you are able to deter many of them then you are much safer than the people who choose to use nothing at all. Peace of mind is priceless and anything that can provide it is also priceless.

Do your own research and make an educated decision on what shark deterrent you want to depend on. Something to consider is that the US Navy has not officially endorsed any shark repellent on the market today and they have the most stringent testing requirements in the world today!

Want to Have a Great Presentation? Tell a Story!

In the business world, so many of us are required to give presentations and engage our audiences. There is usually a lot of information to present, and we are left wondering how we can connect with our audience and leave a lasting impression. How do we make our presentations memorable? After all, there is nothing more boring than someone showing us charts and spitting out numbers and percentages.

While there are obviously important facts that are mandatory, remember that a presentation is really a way to “talk” to your audience and let them become a part of your message. What better way to do that than to tell a story?

So, how do you do create a story that makes your audience truly interested in what you have to say and want to hear more?

Your story must be relevant and fit your audience.
Telling just any story won’t make a great presentation. You need to make sure that your story is relevant to your topic and fits your audience. You want to the audience to respond with an “oh!” or “ahhh”, or be surprised in a way that really gets their attention.

Your story must have a point.
You want to build the story right into our presentation framework so that it is something they can relate to and makes practical sense. The point of the story must be clear. Rather than just spitting out numbers and charts, make it realistic and fun. The story puts everything together so that all of those numbers and all of the information make sense.

Make your audience laugh.
If your story is funny, that’s even better. Sometimes, you might want to relate something that actually happened to you that was funny and relevant to your project. Let them see the human side of you. This keeps the audience engaged and interested.

Always tell a story about a person and an experience they had.
Your story can be a success story, a failure, a humorous story, or something personal. You may even want your story to have a lesson for others to learn. If your story doesn’t have a personal message, then it won’t hit home with your audience. They should reflect on how the story affected someone and how it relates to the topic.

It’s not enough just to present information in a presentation, as it tends to make it dry and dull. Spicing it up with a story or two that are relevant to your topic, teaching a lesson and saying something funny all help to engage your audience and keep them asking for more. Your presentation is a way to deliver a message in the most interesting way possible so that your audience walks away with a smile on their face, actually remembering what you said and the important information and practical ways to apply it.