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Methods of debt repayment contractual This path is applicable mainly to a bona fide borrower. Their number is about 70%. Most do not return the debt – because, quite simply, forgotten, not calculated, etc. In this case, the Claims the order of "refreshing" the obligation of the borrower to pay principal and interest thereon. Meaning of claim correspondence is reduced to achieve a settlement agreement between the parties. Often in the claim letter debtor appeals emotional component, and the facts of violation of the treaty.

In fact, the debtor in this sense must be made to understand not only the fact of delay in payment as a "burden" of sanctions in case of further delaying the payment of contract. To a greater extent the debtor responds to the claims of creditors, if any, come from third parties – companies that the Inland contract with the creditor, fulfill the obligations of debt demand. For some dishonest defaulters the negotiation stage of the dispute – it is just a cover for release time to slip out of the assets under a foreclosure. It is important to remember the lender about the possibility of debt restructuring provide the borrower a grace period of repayment, etc. It is necessary to compromise, and in that case, if the borrower defaults on objective reasons is not ready to back all day, but be sure tomorrow. Because "Defaulter-day" can turn into a "hopeless" debtor tomorrow, when the charge has nothing. Formally assume power, all negotiations with the borrower to repay debts amicably have failed.

Although anything can happen Choose what you can afford and see what it represents itself coach. Working meetings with the coach (coaching sessions) can be conducted both at his office, on neutral territory or you have. In addition, the session may be absentee: by phone or icq. This version, incidentally, is often the most convenient. Determine which version of the communication is better suited to you, and when choosing a coach, consider how this option suit him.

For example, you are more comfortable to hold coaching sessions at your office – just do not have time to travel to the coach, and communicate over the phone you do not like. However, not every coach is working on the road, and if it works, then it will services increases significantly. This is also a need to consider when choosing a coach. Other aspects of choice, such as age coach, gender and so on – it is a matter of personal preference. And the focus is again on empathy.

You Coach inspires more confidence in the aged? Look among the coaches in age. Will be pleased to communicate with the young? Look for young people. You will be more comfortable talking with a woman? Choose among coaches of women. You think that communication with a male coach would be more productive? Considered as the main version of the male coaches. And so on. In terms of coaching, no gender and age preferences here. The main thing – to make you comfortable. And the last. Choosing a coach – it is certainly an important and responsible. Because of his professional success depends on your performance on the task. Therefore, I recommend to take this matter seriously and. But even the most highly qualified coach can not help you if you do not want real change in their lives. If you are not actively working on the coaching sessions, then even the best coach you can not do anything. Therefore, choosing a coach do not forget to adjust itself to the active and fruitful interaction. And then your coach will work with the maximum effect that you're happy. And your coach too.

But even in total darkness, most people retain a sense of space. Being in the lighting, but a closed room, you are just a few hours will no longer feel the movement of time. And if you want to calculate how long you are in this room, you are very mistaken in their calculations. Therefore, if we rely on our memory, we do not notice what is spent our time 'Working with the list of planned Affairs on the first day increases productivity by 25%. C in the evening to cook a list of tasks that have to do tomorrow. Arriving at work, you'll always know where to start your day. Continue to work by making a list of During the day: when a new case make it to the list, with priority with respect to the previously scheduled tasks.

After completing the next task from the list, be sure to cross out her. This will give you a sense of satisfaction with their work, will add enthusiasm and energy charge. Plan from large to small, from long to short, from the life goals to plan for the day. Each task, put a fixed period of time. Complex the problem always divide into smaller subtasks. Here well to the decision tree, where the key task – the tree, and subtasks to accomplish it – the branch. Continue to 'fork' as long as the process of implementing the entire problem becomes simple and transparent. Before you start to do something, think about the rule of 10/90: 10% of the time spent on planning before the start of the task, save 90% time in its solution.

Comes the long winter nights, thinking about the lived days of the year How to prepare for another winter of life? How to analyze lived through a year and smotivirovat themselves to achieve higher goals next year? I want to to share with you some thoughts about self-motivation. I think many want to be successful. I hope that the thoughts expressed to help you with this and advise where to start wanting to be successful should be ashamed science of psychology has identified nine major driving forces that make people charged desire to live, create, improve. All of them are in the most simple human needs: to be recognized in society, to become free and realize their goals, engage in charity, love and be loved, to have a family, to contemplate the spectacle, to win, to have power and money. Long gone are the days when the desire to be rich and beautiful life condemned others and was considered almost Fall.

Today it is normal and natural as sleeping and breathing. So use fully their needs, dream and build the most incredible plans. And in any case, do not let your dream until sproetsiruesh it to your notebook. From that moment on, as soon as the idea materialized on a piece of paper, it appears a thousand times more likely to translate into reality. Good motivation – the key to success in any case Psychologists lead such a case. One worker for many years, returning from a night shift home, enjoyed the same way.