Debt Negotiation or Debt Consolidation? - Business Negotiation

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Debt negotiation and consolidation are choices available to anyone who requires debt assistance. If your bills have grown out of your control, should you utilize debt consolidation? Debt negotiation? One of these may abolish your debt and credit problems if chosen carefully.

Debt Negotiation

Debt negotiation is often called debt settlement. This is given to those who can't keep up with a debt consolidation program. In the event that you don't feel you can meet the minimum payments of a consolidation plan, a debt negotiation program is the best alternative to reducing debt and credit problems.

One appeal of debt negotiation programs is that you'll be able to stop making payments to your creditors. The debt negotiation company will take monthly payments from you and store them in an account.

While you're making monthly payments to the debt negotiation company, they negotiate with the creditors for a lower pay rate of as little as 40% of the total debt. When the settlement is reached with your creditors, the company makes a one-time payment.

The drawback here is that debt negotiation programs will lower your credit score for as long as you're enrolled in the program. Most negotiation companies obligate the creditor to compile a credit report noting that the debt was fully paid so as not to appear as a negative credit mark after the account is settled.

Certain debt negotiation companies even include a credit repair service that will remove the harmful marks left by the program. This is a service which is usually included.

Debt Consolidation

Debt consolidation grants custom debt repayment plans with most credit card and collection companies. When applying to a debt consolidation company, you're proposed a lower average monthly payment, and this is built on an even lower interest rate accepted by the creditor.

Your new payment will be better than what your credit card companies allow, saving you money every month. This is usually the ideal way to consolidate debt.

An obvious attraction of a debt consolidation payment plan is that it'll prevent you from being harassed by creditors as long as you continue to make the new payments on schedule.

However, the drawback of the plan is cancelling all credit cards included in the plan.

Also, you'll be charged your first payment for the program and an extra monthly administration fee. Fees vary between flat rates of ten to fifty dollars, while others will charge a simple five dollar fee for each creditor. This amounts to about thirty dollars a month that isn't going directly to paying off debt.

A debt consolidation program will aid you if you suffer from lofty interest rates or loftier credit card bills than you can overcome. It's usually more convenient for everyone to make a single payment for all bills.

Hopefully the differences between debt consolidation and debt negotiation are a little clearer and will aid you in your journey to become debt free. For even further in-depth strategies, visit The Only Way Out of Debt [http://www.vsfights.com].

Article Source: http://EzineArticles.com/?expert=Shane_Taylor

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Red Cross chief exits after taking on Bush, Bashar

GENEVA (Reuters) - He struck a unique deal with Syrian President Bashar al-Assad, fought what he viewed as excesses in the U.S. "war on terror", compiled reports that exposed U.S. mistreatment of detainees in Iraq, and fought for inmates' rights at Guantanamo.

Jakob Kellenberger, who describes himself as "the negotiator of last resort", steps down on Friday after 12 years as president of the International Committee of the Red Cross (ICRC).

The independent aid agency's 12,500 staff perform frontline humanitarian operations, delivering food and medical care in war zones from Syria to Somalia.

Kellenberger's tenure was marked by conflicts triggered by the Sept 11, 2001 attacks and U.S. efforts to capture or kill al Qaeda militants abroad, including by drone attacks. It ends with the prospect of Syria descending into full-blown civil war.

"When I look back, it was a very central issue, the whole issue of what the (President George) Bush administration called the global war on terror," Kellenberger, 67, said in an interview in his office in the ICRC's Geneva headquarters.

"The basic balance between military necessity and humanity and respect for human dignity was broken in some places and in other places it was in serious danger. I had really the feeling that you had to fight against this from the start," he said.

Noting that many of his files relate to fighting in Afghanistan and the Middle East, he added: "It's almost a bit symbolic that it ends with this region, with Syria, but before it was Lebanon, Israel, the (Palestinian) territories."

The Bush administration, which invaded Afghanistan in late 2001 and Iraq in March 2003, openly questioned the relevance of the Geneva Conventions to al Qaeda and Taliban fighters, a challenge to the ICRC which is the guardian of the 1949 rules of war that aim to protect civilians and prisoners of war.

In Afghanistan, the ICRC quickly gained access to visit U.S.-held detainees in Kandahar and Bagram, and to those sent to the U.S. naval base in Guantanamo, Cuba, without being charged.

Its confidential reports on U.S. mistreatment of detainees in Iraq, including at Abu Ghraib, appeared in the Wall Street Journal in 2004, sparking an international outcry.

"It was very difficult for us, it was a typical dilemma of confidential issues. What came out after in photos, what became public, was in fact already part of the ICRC reports from visits to Abu Ghraib to the end of 2003 but were confidential reports, for U.S. authorities and nobody else," he said.

CONFIDENTIAL ACCESS

Worldwide, the ICRC visited more than 540,000 detainees last year in 75 countries.

They included Saif al-Islam Gaddafi, son of the late Libyan leader Muammar Gaddafi who was captured on the run in the desert, and former Ivory Coast President Laurent Gbagbo.

The only international agency to deliver assistance in Syria, the ICRC has visited prisons in Damascus and Aleppo. It is still seeking access to all detainees held by both sides.

Kellenberger has gone to Syria three times in the past nine months to negotiate better access, and has held two meetings with Assad. The ICRC has said that local civil wars have raged in Hama, Homs and Idlib, but that there is not yet an overall civil war, a view some politicians feel is too qualified.

"I'm really afraid that political efforts will be too slow ... I am afraid that we go down the way to a country-wide internal armed conflict," he said.

On Tuesday, aid workers from the ICRC and Syrian Red Crescent were on their way to Homs to evacuate trapped civilians and wounded from the old city, but negotiations were still under way to secure safe access.

That task now falls to Kellenberger's successor, Peter Maurer, another senior Swiss diplomat, who takes over on July 1.

The ICRC's internal rules stipulate that its interviews with inmates - meant to evaluate their treatment and conditions of detention in a bid to prevent torture - are private. In exchange, the agency only shares its findings with the detaining authorities.

"I do continue to strongly believe that in the long-run confidentiality as a tool remains extremely important to have access to detainees but also to have access to certain regions," Kellenberger said.

"But I have also to admit it is clear that the publication of what happened in Abu Ghraib had large effects, in the good sense. Because I mean in some quarters of the American authorities they became very much aware that there were things to be changed."

Kellenberger, who held talks with George W. Bush and Donald Rumsfeld on Guantanamo and other issues, said that Washington had been open to discussions, even to "very critical dialogue".

Despite "deep divergences of view on legal and protection matters" the United States never threatened to pull the plug on the ICRC, to which it is a major donor, he said.

Two months ago, Kellenberger held talks with President Barack Obama about concerns over U.S. detainees and other issues.

"That was a very positive meeting. In fact I said to him that I felt very grateful that they were always so supportive even if I was aware that I was a very difficult guy.

"Then he told me, 'Please remain difficult'," he recalled with a laugh. (Editing by Andrew Osborn)

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Israel and Russia: Trade and restive Arab world outweigh differences on Iran

Russian President Vladimir Putin arrived in Israel today for a two-day visit that publicly emphasizes the dramatic reconciliation and galloping economic cooperation between Moscow and Jerusalem. In private, it likely featured some harsh words between Mr. Putin and Israeli Prime Minister Benjamin Netanyahu over the Kremlin's political support for Syria and Iran.

Experts say that the geopolitical differences between Russia and Israel are not as deep as many people believe. With the exception of sharp disagreement over what to do about Iran's alleged drive for nuclear weapons, differences are greatly overshadowed by a growing array of commonalities.

Topping that list is a shared sense that Russia and Israel alone fully understand the menace of Islamist extremism. Israel believes it confronts extremism on a daily basis, and Putin sees it as a serious threat to Russia's territorial integrity emanating from the restive northern Caucasus region, whose population is mainly Sunni Muslim. Both feel increasingly isolated in the Middle East, with Egypt's new Muslim Brotherhood president hinting that he might revise his country's treaty with Israel, and Russia facing unprecedented hostility from Turkey and the Arab world over its continued support of Syria's strongman Bashar al-Assad.

QUIZ ? Vladimir Putin 101: How much do you know about Russia's president?

"The worse Russia's relations with the Arab world, the better they will be with Israel," says Fyodor Lukyanov, editor of Russia in Global Affairs, a leading Moscow-based foreign policy journal.

"Russia now finds itself at odds with almost all the Arab countries over Syria, and this could be a long-term trend. Syria is the last Russian client state inherited from the Soviet Union, and it's probably not going to last. New rulers will be far more mistrustful of Russia, and if they are Islamists the feelings will be mutual. At least when they're talking about the threat of radical Islam, Putin will feel mentally very close with Netanyahu," he says.

TOURISM, TRADE BOOST RELATIONSHIP

Putin's first stop after arriving in Israel today was the dedication of a monument to Soviet Red Army forces killed in World War II in Netanya. Putin told a crowd of about 600 people that the double-winged white dove erected by Israel "symbolizes the triumph of good and peace. May these values always serve as the basis for friendship between our nations."

Since the collapse of the USSR, the Russian narrative about World War II ? that the Red Army liberated eastern Europe from Naziism ? has been painfully challenged by many former allies whose new version of history sees the arrival of Soviet forces as the beginning of a new occupation.

"Israel is one of the few countries in the world that fully backs the Russian view on World War II, so for Putin the symbolism here is very important," says Dmitry Maryasis, an expert with the Israeli Studies Department of the official Institute of Oriental Studies in Moscow. "The role of the Red Army in liberating Europe is not often celebrated these days, so Russians will receive this signal very warmly."

During the cold war, the USSR supported rejectionist Arab states and the Palestinians against Israel, a position that had ideological roots in the competition between Zionism and Communism in 20th century Europe. But the ideological dimension disappeared with the collapse of the Soviet Union and the emigration of more than 1 million Russian speakers to Israel in the 1990s, even before Russia's ties with authoritarian Arab states were moderated by improving economic and political ties with Israel and the West.

"Everything has changed since the end of the USSR, and the relationship with Israel is totally transformed," says Yevgeny Satanovsky, president of the independent Institute for Middle Eastern Studies in Moscow. "In Israel, one in seven citizens is Russian-speaking. There are now many prominent Russian-speakers, even at high levels of power, who have feelings of closeness toward Russia. In Moscow, there is no more official anti-Semitism and leaders are pragmatic. In some ways, such as the attitude toward the threat from radical Islamism, we are even closer in our views than Israel is with the US."

Trade has burgeoned; Israeli exports to Russia grew almost fourfold between 2003 and 2008, reaching $3 billion. That may not sound like much, but the areas of economic cooperation under consideration include nanotechnology, energy, and joint military projects, including the production of unmanned drone warplanes. Russia's natural gas monopoly Gazprom is eyeing offshore gas deposits in Israel, while the state-owned Russian Railroads is hoping to participate in a new Tel Aviv-Eilat high speed rail link.

SUPPORTING THE 'DEVIL THEY KNOW'

Putin later met with Netanyahu for a full discussion about Syria and Iran that both leaders characterized as detailed and friendly. Experts say that on Syria, at least, the two sides may not be all that far apart.

"Israel supports the Western position that Assad must go, while Russia has been backing Assad," says Mr. Maryasis. "But they're probably much closer than you would think. Israel is not keen to see a big mess break out on its border with Syria ? along the Golan Heights ? which has been relatively stable for years. Israel might actually prefer the devil it knows, Assad, to what might follow him. There is a very palpable fear in Israel that radical Islamists might follow Assad, and everything will get worse."

Likewise, experts say, Russia's occasional contacts with Islamist groups Hamas and Hezbollah, as well as its efforts to advocate for the Palestinian cause, are no longer viewed in Jerusalem as Soviet-style mischief, but merely the same sort of pragmatism practiced by other powers.

"Russia has always said that its participation is central to any future Middle East settlement, but in reality there's not much Moscow can do," says Georgy Mirsky, an expert at the Institute for World Economy and International relations, Moscow's most important official research center. "At the same time, relations with Israel are moving forward, powered by growing numbers of Russian businessmen and a flow of tourists ? Russia is the second biggest source of tourists to Israel these days ? and much improved dialogue on the official level."

Iran remains the single major sticking point. Experts say that Netanyahu will probably have given Putin an earful on the need for tougher sanctions and perhaps military measures to stop Iran's nuclear program, while Putin will have urged caution.

"Russia is deeply skeptical that military measures against Iran can have any lasting effect, and is very worried that a war could spread into Russia's own northern Caucasus," says Mr. Satanovsky. "Russia worries that it will cause regional disruption, refugee flows, and no one knows what else might come in the wake of an attack on Iran. This is the one big point on which Russia and Israel are doomed to disagree, and go on disagreeing."

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Google I/O 2012 kicks off tomorrow, get your liveblog right here!

Hey, remember that keynote last year where Google unveiled Ice Cream Sandwich before showing off Google Music and the Open Android Accessory standard and Android@Home before giving away 5,000 Galaxy Tab 10.1 tablets? Yeah, it was quite a rush. This year we're expecting another new flavor of Android and maybe even a new Nexus tablet to boot. You won't want to miss it and, as always, we'll be there.

We'll be liveblogging every detail of the event straight to your browser courtesy of our exclusive liveblog viewer. Set your bookmarks right here for all the action then set those alarms for the time below.

June 27, 2012 12:30 PM EDT

Google I/O 2012 kicks off tomorrow, get your liveblog right here! originally appeared on Engadget on Tue, 26 Jun 2012 16:00:00 EDT. Please see our terms for use of feeds.

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