If you're drowning in debt, you are already well aware that it can really make life difficult. This is simply because these debt collection companies hunt you down like a pack of hyenas. No one likes to talk to these skunks but sometimes doing so can be beneficial. Because...

First, avoid credit counsellors, stay away from credit counselling agencies, some of which are being investigated for fraud or have ties to credit-card companies.

I don't usually recommend refinancing to pay off credit cards, unless you've got the sense not to throw your money away again. Because...

You might think that a bill is a bill and you owe the full amount but sometimes you can talk your way into a discount.

The reality of any negotiation is that it is an exercise in psychology. Realistic market factors play their role, but final decisions are usually made based on perception. How the seller perceives you, the investor, will influence the deal. Here are some tactics to tip the scales in your favor.

All inventors have, at one time or another, pined for "the right people." Be they investors, programmers, distributors, writers, architects, butchers, bakers, or candlestick makers, personnel is a crucial ingredient to the success of any invention.

If you are the kind of person with a million ideas and not enough time to pursue them, you might want to consider "fast tracking" your invention to market.

Do you get annoyed when you have an urgent or important message to convey to someone? Hello! Is anyone getting any work done?

Whenever you work with people, conflict is inevitable. The tension created by daily conflict either results in wasted time, decreased productivity, and poor decisions or the sort of internal competition that pushes each individual to do their best, if for no other reason that convince their coworkers that they can do it.

Effective conflict intervention can help transform a conflict situation into an opportunity for change, growth and development of creative solutions to an organization's most difficult problems.