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Participating in a race is the reward to many runners for weeks or months of training. But races present certain hazards. Here are five hazards that your fellow racers can present.

Hazard: Talking on a cellphone

“Distracted driving” is now appreciated by most motorists as a description of how dangerous it can be to talk on a cellphone while driving. Unfortunately, “distracted running” is not as well appreciated by many runners. And some of those runners create a hazard by talking on cellphones during races. While this is safe to do when such a runner has cautiously stopped on the side of the road or trail before making or taking a call, this is not safe for a runner to do while running.

Avoid this hazard by looking for runners with hands to heads and by runners who are running more slowly than those around them (because wireless headsets may be involved!).

Hazard: Listening to music with earphones

This hazard has become so common that some racing authorities ban earphones on the race course. If a runner is listening to music through earphones, then he or she is unlikely to hear emergency-responders, as well as fellow runners, as quickly as he or she should. And this failure to hear the sounds of the racing environment can lead to all sorts of accidents.

Avoid this hazard by looking for tell-tale cords hanging from other runners’ ears.

Hazard: Running backward

You may occasionally see a runner who is running backward along part of a race course — perhaps to work out some stiff muscles or joints or perhaps while calling out motivational messages to the runner whom he or she is facing. But runners do not have rear-view mirrors, and hazards abound in races, so someone who is running backward during a race can cause many problems.

Avoid this hazard by simply noticing when you see faces — instead of the backs of heads — in the racing crowd ahead of you.

Hazard: Wearing a bulky costume

Some races seem to attract runners wearing wacky costumes. While a costume can make the spectators laugh, it also can obscure the costume-wearer’s vision, which can lead to him or her running into others or more easily tripping on hazards that most runners will see and avoid.

Avoid this hazard by staying away from runners with costumes, especially ones that obscure their vision or can interfere with the movement of their feet.

Hazard: Running two or three abreast

This is a special kind of hazard. Some people have trained all season together for your race, so they want to complete the race together. Unfortunately, they can obscure your vision of what lies ahead, and they can abruptly move “in bulk” across a road or trail when one of them decides to stop for water or a toilet break.

Avoid this hazard by being extra cautious when passing a “wall” of runners.

A common misconception amongst many consumers is that the only way to get rid of credit card debt is by either paying it off or by filing for bankruptcy. Many times paying it off just isn’t possible due to financial constraints and declaring bankruptcy can hurt an individual many more ways than just financially so that should be avoided at all costs.

Another alternative that makes sense for a great many people is credit card debt negotiation. This is accomplished by working with a well-trained representative of a reputable debt settlement company who will work directly with the credit card companies that are owed money in order to reach a viable solution that is agreeable to both the creditor and debtor.

How It Works

When dealing with debt it’s all about the numbers. What happens in credit debt negotiation is the debt negotiator or debt arbitrator will work out a financial settlement price as a percentage of the whole. For example; if the cardholder is $25,000 in debt the negotiator works with the bank or financial institution to reduce it to $12,000 and the remaining $13,000 is then written off or forgiven.

That is of course a simplified explanation of how it works but I believe it conveys the general idea behind credit card debt negotiation. Another positive is that it will stop the collectors from contacting the debtor at home or at work through phone calls and threatening letters. All correspondence automatically goes through the debt settlement company.

Finding a Reputable Company

It is absolutely imperative that any individual interested in working with an organization to negotiate their credit card debt does their homework in advance to make sure that that company is in fact reputable. The very first thing to do is to contact the Better Business Bureau to make sure that there are no outstanding complaints.

The next thing you want to do is go online and do thorough research. I’m talking about spending hours and doing it right. Search consumer watchdog sites, forums and any and all other information sources that you can find. Don’t be afraid to use the search box on Google. That’s what it’s there for.

Questions to Ask

Asking questions is a big deal when it comes to finding the right debt negotiation company. You’re going to want to know what the training and credentials of the negotiator that will be assigned to you are. You’re also going to want to get a guarantee that they will do exactly what they claim they will do.

Because this is new to you you will no doubt have a great many questions to ask about how the program works. Write them down in advance so you do not forget them. If you feel as though the representative is evasive or does not answer your questions to your satisfaction then move on to another company.

It is your financial future that is at stake so take the time to educate yourself as much as you possibly can about how the credit card debt negotiation process works. The more you know the better off you’ll be and the quicker you will become debt free.

Beginners always need to be guided in order for them to understand what they have to do. This is true even for businessmen since they have to learn everything about the company that they are going to run as well as the job that they have to perform. For those who are operating or managing businesses, you might have heard about the balanced scorecard and its abilities. This is a business tool that enables one get the overall performance of the company based upon the following perspectives: customer, financial, learning and growth and internal operations. Now, you have to understand that the BSC will only work if all of the employees within the organization now about it. Most company owners neglect this responsibility and only let those at the top level of the organization comprehend what the scorecard is all about. In this case, what you need are BSC presentation templates.

The BSC presentation templates can easily be obtained today from the web. You can download them either for free or there are others that might cost you a few dollars. Once you have acquired the template, it is easy for you to come up with a presentation so that those who are working in your company can appreciate and be enlightened on the topic of the balanced scorecard. Before you download scorecard templates however, you should make sure that you can use the content that is provided by the template that you have chosen. It should provide you help on the introduction up to the conclusion of the whole presentation.

You can look for free BSC templates that you can utilize during meetings, conferences or seminars. This is the right opportunity towards promoting the awareness of your staff towards the whole concept of the balanced scorecard. There are really useful BSC presentation templates which you can download and use in order for you to present to your employees the importance of the scorecard to the processes in the company. The templates will guide you on how you can create the entire presentation but of course, you also need to research on a few things which are connected to the company’s position

Implementing the balanced scorecard will become easier with the help of the BSC presentation templates. This is because all the people who are working in the organization that you are running can define what the BSC really is. Aside from that, they can provide other people with information about how the BSC is being utilized in the company. This is particularly useful for the new employees. It is not required to make a presentation every now and then especially when there are newly hired applicants in the business. You can simply ask the older employees to guide the newbies. This is an effective method and can save time, money and effort on your part. Nevertheless, you need to give updates and even provide new presentations to your employees when there are changes within the scorecard that has been implemented. This way, everything will be clearly defined for them and confusion is avoided.