One of my cousins has undergone credit card debt collection training recently and is working in card debt collecting, and it seems he is doing well. The credit card usage around the world is increasing every day. We are stopping taking lot of currency in our wallets anymore. People are using credit cards to purchase anything and everything right from filling gas to purchasing goods in the stores. They forget that what they are using is credit card and with every purchase they are taking loan from their banks and need to payback. As for most of the people shopping is an impulsive activity, then don't pay it back. When they don't pay back the banks give the responsibility of collecting the money back to the debt collector. To become a debt collector the bank or the finance company give credit card dept collection training.
Yes having credit card debt collection training is definitely going you help you if you are looking for better opportunities. Credit card debt collection is one of the most profitable businesses you can make if you are already in the financing industry. acquiring the debts which are written off by the lenders cheaply is one of the reasons why this business is very profitable.
My cousin says that my assumption that it is necessary getting trained in pressure tactics is wrong. He says most of it is developing communication and convincing people.
He says the credit card debt collection training makes you gain the ability to have a personal touch with the customers without putting unnecessary stress on the customers which the credit card companies are not able to do. He says they rarely harass customers and most of them are good with weak financial intelligence and lack of discipline. He says handling these people is easy as they respect their privacy and peace of mind and would like to repay the credit card debt as soon as possible. Essentially the situation is of win and win and win for all the three parties involved. The credit card company with the help of a dept collector could prevent expensive lawsuit, the debtor gets a adviser who can guide him to towards being debt free, and the debt collector has a successful career
Monday, May 12, 2008
Sunday, May 11, 2008
Traits Of Successful People
There are two types of successful people. The people who don't know anything about the science of success or law of attraction but are very successful because they are designed naturally for success and if you look closely you can find them having almost all of the traits you find written in the success literature. The second type of successful people are not designed for success naturally other than having only one trait which is called desire. If you are reading this, then you are the second type. The only thing you have to keep intact throughout you life is the desire of success,a burning desire.
They say that successful people have vision and focus. Vision is the ability to see the future and plan for the future, and focus is the ability to complete what they have started in spite of many disturbances, shortcomings, and failures. For many of the the football match on the TV is enough to lose our focus on that day's work. If that is what we do, there is no question of vision. So the second trait after burning desire is focus. To develop focus we need to develop discipline first. Discipline is the ability to control our impulses and being able to sacrifice small joys today for greater success tomorrow.
The second trait of successful people is known to be persistence and perseverance. Watching small kids playing games, I found out three different types in them. I called them the losers, the winners, and the lovers. The first type losers lose most of the games generally because of lack of skill, lose interests and either leave the game or convince others to play a different game or join the others when they are playing a different game or just go home and watch TV. The winners are those who win mostly because of their skill and ability to win. Sometimes they also like the game just for the game or because winning makes them like the game. The third type is lovers. No matter what happens these children continue to play the game and they just love the game. They don't abandon the game even they taste failure regularly. I have seen that these lovers eventually become winners. So you have to either develop a strong desire to win which makes you develop skills or just love the work you do soo much that eventually you life becomes a story of success. The successful singer today had same talent and beautiful voice yesterday when he was nobody before success. .
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I don't think other things like taking calculated risks, continuous learning, able to communicate well, networking etc are very important for success. These are abstract things for me. Burning desire, focus, persistence, and skills in your particular chosen field is enough to make you successful. I know many successful people who are not very good communicators and many of them shy. It is just the success coaches are increasing the list of to-do-things just to keep them busy and are very good in convincing you that you wont be successful unless you take up their $ 10,000 program which goes for 2-days in a five star hotel.
They say that successful people have vision and focus. Vision is the ability to see the future and plan for the future, and focus is the ability to complete what they have started in spite of many disturbances, shortcomings, and failures. For many of the the football match on the TV is enough to lose our focus on that day's work. If that is what we do, there is no question of vision. So the second trait after burning desire is focus. To develop focus we need to develop discipline first. Discipline is the ability to control our impulses and being able to sacrifice small joys today for greater success tomorrow.
The second trait of successful people is known to be persistence and perseverance. Watching small kids playing games, I found out three different types in them. I called them the losers, the winners, and the lovers. The first type losers lose most of the games generally because of lack of skill, lose interests and either leave the game or convince others to play a different game or join the others when they are playing a different game or just go home and watch TV. The winners are those who win mostly because of their skill and ability to win. Sometimes they also like the game just for the game or because winning makes them like the game. The third type is lovers. No matter what happens these children continue to play the game and they just love the game. They don't abandon the game even they taste failure regularly. I have seen that these lovers eventually become winners. So you have to either develop a strong desire to win which makes you develop skills or just love the work you do soo much that eventually you life becomes a story of success. The successful singer today had same talent and beautiful voice yesterday when he was nobody before success. .
.
I don't think other things like taking calculated risks, continuous learning, able to communicate well, networking etc are very important for success. These are abstract things for me. Burning desire, focus, persistence, and skills in your particular chosen field is enough to make you successful. I know many successful people who are not very good communicators and many of them shy. It is just the success coaches are increasing the list of to-do-things just to keep them busy and are very good in convincing you that you wont be successful unless you take up their $ 10,000 program which goes for 2-days in a five star hotel.
Saturday, May 10, 2008
Free Transcendental Meditation Technique
When I started seeking meditation and joined a yoga and meditation class, my teacher encouraged me to read books on meditation. It is in one of the books by Deepak Chopra I learned about transcendental meditation. Reading more about meditation, I came to know that this is most popular method of meditations. I naturally wanted to practice this. When I met the qualified and official teacher of this meditation, I came to know that I need to pay for learning it. Not having money I could not learn transcendental at that time but I continued my interest in it and started reading more about it. To my surprise, there is no book which actually teaches the steps of that kind of meditation. What I was looking for was to learn free transcendental meditation and there was no free course anywhere, If at all I wanted to learn then I had to pay thousands of dollars.
I continued to search for a way to learn the transcendental meditation freely as I did not like the teacher whom I met years back. He has not looked like a person who meditates daily. During my search, I came to know that transcendental meditation is just mantra meditation which many people in India practice without knowing that it is called Transcendental Meditation in the West. Mantra is just a sound. Mantra meditation technique involves chanting a mantra. The official transcendental meditation people claims it to be scientific, but for me meditation should be more of spiritual and mental.
Fortunately enough I visited a website on meditation where I could download meditation CDs and came to know that the type of meditation taught in that CDs are very similar to transcendental meditation. The lessons also gives you the mantra. Only thing you have to do is try all the mantras to see which takes you to a state of concentration fast and stick to it. Yes the effect of mantra is indeed different to different people. Oh yes, you can download the meditation course and try a free transcendental meditation type of course from (url removed on Oct 12, 2008 by Soham).
Update
I have removed the url (which someone thinks a link) to the website which offers course of meditation to be downloaded freely. Meditating always benefits you. If you cannot afford official transcendental meditation,
go for any type of meditation taught freely. My personal opinion is meditation should be free of cost. I am an Indian and meditation is spiritual for me and I never paid for learning either meditation or yoga. Fee structure for both meditation and yoga is a "Western concept." I will write about the meditation which you can freely download in some other post where I will leave a link to the website.
I continued to search for a way to learn the transcendental meditation freely as I did not like the teacher whom I met years back. He has not looked like a person who meditates daily. During my search, I came to know that transcendental meditation is just mantra meditation which many people in India practice without knowing that it is called Transcendental Meditation in the West. Mantra is just a sound. Mantra meditation technique involves chanting a mantra. The official transcendental meditation people claims it to be scientific, but for me meditation should be more of spiritual and mental.
Fortunately enough I visited a website on meditation where I could download meditation CDs and came to know that the type of meditation taught in that CDs are very similar to transcendental meditation. The lessons also gives you the mantra. Only thing you have to do is try all the mantras to see which takes you to a state of concentration fast and stick to it. Yes the effect of mantra is indeed different to different people. Oh yes, you can download the meditation course and try a free transcendental meditation type of course from (url removed on Oct 12, 2008 by Soham).
Update
I have removed the url (which someone thinks a link) to the website which offers course of meditation to be downloaded freely. Meditating always benefits you. If you cannot afford official transcendental meditation,
go for any type of meditation taught freely. My personal opinion is meditation should be free of cost. I am an Indian and meditation is spiritual for me and I never paid for learning either meditation or yoga. Fee structure for both meditation and yoga is a "Western concept." I will write about the meditation which you can freely download in some other post where I will leave a link to the website.
Monday, May 5, 2008
How to Overcome Inferiority Complex
Inferior complex is one of the psychological diseases and limits mental, spiritual, and financial success. When it is severe, feeling inferior to someone richer, smarter, skillful, taller, shorter, healthy, beautiful, hardworking..........absolutely anyone is the symptom of the people suffering from this disease. Inferiority complex as an emotion is experienced by the body. It gives a very severe unpleasant sensation limiting the experience of joy and beauty in life. It is chronic and when it becomes severe it turns into a conditioned reflex..
People with bigger cars, better clothes, bigger house, even people with the latest mobile set mays you feel inferior. Once this is severe, you will be successful in finding something in every one and feel inferior. This inferiority complex makes you completely blind to anything good in you. It is very rare that you become aware of your plus points and your abilities, knowledge, and intelligence but this insight in you good qualities will be rare as you will be busy looking for reasons to feel inferior, remember it is now a conditioned reflex for you.
Living with inferiority complex is the worst way of living. To make yourself free from feeling inferior, you start trying to achieve big things in life and many times you may succeed also but this will not be useful because you will be ignoring your achievements.
How to get rid of Inferiority Complex?
All diseases which are psychological are ego caused and dealing with your ego is the best possible way to cure inferiority complex also. If you look back you will find that the only situations where you were not suffering from inferiority complex was when you were feeling egoless....when you were playing a game and immersed in it, when you are with your loved ones.....or when you are working with a flow.
In the days of your first love you can remember a sense of egolessness being neither inferior nor superior to anyone......feeling just like love...an emotion that can only felt by your soul. Yes that is the way to live optimally. The inferiority and superiority complexes are just conditioned reflexes, conditioned and impressed on your ego. Love is your true nature, and you don't have to learn or unlearn anything....you just have to realize your true nature of love.
Meditate on the days of your first love....re-live those feeling.....experience those sensations.............say and continue to say "I am love" till your mind accepts and continue this affirmation.....this truth. It may take days and months to succeed and live optimally and have to continue lifelong. This may look simple but it works......Remember love is part of wealth.
Have a look at this wonderful course called fabulous self confidence which has helped a few of my readers.
People with bigger cars, better clothes, bigger house, even people with the latest mobile set mays you feel inferior. Once this is severe, you will be successful in finding something in every one and feel inferior. This inferiority complex makes you completely blind to anything good in you. It is very rare that you become aware of your plus points and your abilities, knowledge, and intelligence but this insight in you good qualities will be rare as you will be busy looking for reasons to feel inferior, remember it is now a conditioned reflex for you.
Living with inferiority complex is the worst way of living. To make yourself free from feeling inferior, you start trying to achieve big things in life and many times you may succeed also but this will not be useful because you will be ignoring your achievements.
How to get rid of Inferiority Complex?
All diseases which are psychological are ego caused and dealing with your ego is the best possible way to cure inferiority complex also. If you look back you will find that the only situations where you were not suffering from inferiority complex was when you were feeling egoless....when you were playing a game and immersed in it, when you are with your loved ones.....or when you are working with a flow.
In the days of your first love you can remember a sense of egolessness being neither inferior nor superior to anyone......feeling just like love...an emotion that can only felt by your soul. Yes that is the way to live optimally. The inferiority and superiority complexes are just conditioned reflexes, conditioned and impressed on your ego. Love is your true nature, and you don't have to learn or unlearn anything....you just have to realize your true nature of love.
Meditate on the days of your first love....re-live those feeling.....experience those sensations.............say and continue to say "I am love" till your mind accepts and continue this affirmation.....this truth. It may take days and months to succeed and live optimally and have to continue lifelong. This may look simple but it works......Remember love is part of wealth.
Have a look at this wonderful course called fabulous self confidence which has helped a few of my readers.
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