Will You Add? - Writing and Speaking

Adjustable Mortgage Rates - What Are They And Why You Should Know
Nothing to stress over. Adjustable mortgage just means you've negotiated an adjustable rate or ARM, with your lender. These loan programs allow for a change of interest rates throughout the life of the loan adjusted by the terms agreed to between the lender and borrower - usually once or twice per year.There are four basics for adjustable mortgage rates (ARMs):1. The Index 2. The Margin 3. The Adjustment Period 4. Rate CapsThe index is what your interest rate is tied to. In other words, your index can actually be anything you agree upon, but most ARMs are indexed to a 1-year treasury, or something called LIBOR (London Inter-Bank Offered Rate). The

also help your audience remember what you talked about. For example, one speaker, whose topic was compulsive shopping, delivered her handouts to her audience in mini shopping bags.

Instead of a pie chart, how about cutting up a real pie? Or put on several hats to signify different sections of your presentation. Props don’t have to be complicated. Any prop used well can add a special touch to your presentation. Make sure the prop can be seen by everyone in the room, and don’t bring it out until you’re ready to use it.

Demonstration
Is there something related to your topic that you can demonstrate as part of your presentation? Can you make an origami crane, or do a short craft project, or demonstrate how to re-pot a plant?

Demonstration is a great teaching tool if you are clear, concise, and give well-organized instructions.

Handouts, part 2
Save handouts till the e

Refinancing Your Home With a Low Credit Score
Before you seek out a lender to refinance your home, find out what your FICO score is. Ideally, it should be above 600, but you are still able to find some decent deals with a FICO score in the 500s. If your score is even lower, there may be some lenders that will deal with you, but your interest rates won’t be optimum. No, if your credit is that low, it may be best to try to raise it a bit before the refinancing. Knowing what a FICO score is and how it is calculated is crucial to a homeowner.Use a Home Equity Loan to Pay off Debt and Raise Your FICO ScoreIf you have a low credit score, don’t let that scare you away from refinancing your home. Many people use bad credit

Before speakers used PowerPoint, there were overhead projectors, flip charts, handouts and white boards. Before that, there were slide projectors and movie projectors. Sometimes people used props.

Before that, there were chalkboards and before that, well, there were just speakers! And believe it or not, speakers were plenty effective, even without visuals.

There’s no doubt that visuals provide additional benefits to a presentation. According to “Public Speaking: An Audience-Centered Approach” by Steven A. Beebe and Susan J. Beebe, presentation aids “enhance understanding,” “enhance memory,” “help listeners organize ideas,” “help gain and maintain attention,” and “help illustrate a sequence of events or procedures.”

Read on for tips on effective and creative visual aids the low-tech, old-fashioned way.

1. Before the presentation

Flip charts
Write out your flip charts in advance (unless you’ll be writing down comments or questions from the audience). Leave one or two blank pages in between your prepared pages, in case you want to add something during the presentation. This also keeps your following pages from showing through.

Make sure your text is big enough for everyone in the room to see – letters should be 2-3” tall, depending on how big the room is. Text should be in dark colors so your audience doesn’t have to strain to see it. Using a pad with a grid and perforations ensures neat writing and tearing. And double-check your spelling before putting away your flip chart!

I like using the sticky flip chart paper; it’s like a giant Post-it® note that I can tear off and adhere to the wall. The page can be repositioned as necessary, and the chart can stand by itself on a tabletop. No need for tape or an easel.

See Garr Reynolds’ resource list of flip chart tips: http://www.presentationzen.com/presentationzen/2007/04/presentations_e.html

Handouts, part 1
Prepare only what is necessary to recap your main points or give additional resources, such as a copy of a magazine article or a list of websites or books to use for further research on your topic.

You may want to include a simple marketing document, such as a brochure, but don’t go overboard with marketing materials – including your name and contact information at the bottom of your handouts should be enough. And keep your documents simple and easy to read; don’t overwhelm your audience with too much reading material.

Print handouts on colored papers to differentiate each one for your audience and to eliminate the monotony of all-white handouts.

Signs, posters or large images
You may want to give your audience something to look at as they are entering the room and taking their seats. A poster-size photograph or other striking image that relates to your topic is a great visual to get everyone on the same page. Just make sure to cover it or take it down before you start speaking, so the audience isn’t distracted by it.

2. During the presentation

Props
Props can add interest and humor to your presentation, and help illustrate your points, as long as you don’t overuse them and you practice before your presentation.

Props can be items put around the room for audience members to use or enjoy before or during the presentation, such as candy, snacks, puzzles, or toys. These work best in interactive workshop settings, where you are expecting your audience to be active.

Props can help you remember certain parts of your presentation without using notes, such as an item you pick up to demonstrate a particular point. Props, as a visual cue, also help your audience remember what you talked about. For example, one speaker, whose topic was compulsive shopping, delivered her handouts to her audience in mini shopping bags.

Demonstration is a great teaching tool if you are clear, concise, and give well-organized instructions.

Handouts, part 2
Save handouts till the en

What Homeowners Should Know to Stop Foreclosure- Speaking Your Lender's Language
Financial literacy is the means of empowering consumers to make informed financial decisions through exposure to accurate and timely information. In no other area is the void of accurate information more evident that in the area of foreclosure.The national foreclosure rate is at the highest level since the Great Depression. Families fall behind on the mortgage payments because of illness, job layoffs, business failure, divorce and marital problems, and bad money management decisions. Foreclosure and the loss of the home is the usual result. Foreclosure is financially and psychologically devastating to the stability of the household.This article provides information to expo

ts in advance (unless you’ll be writing down comments or questions from the audience). Leave one or two blank pages in between your prepared pages, in case you want to add something during the presentation. This also keeps your following pages from showing through.

See Garr Reynolds’ resource list of flip chart tips: http://www.presentationzen.com/presentationzen/2007/04/presentations_e.html

Print handouts on colored papers to differentiate each one for your audience and to eliminate the monotony of all-white handouts.

2. During the presentation

Props
Props can add interest and humor to your presentation, and help illustrate your points, as long as you don’t overuse them and you practice before your presentation.

Demonstration is a great teaching tool if you are clear, concise, and give well-organized instructions.

Handouts, part 2
Save handouts till the e

Copywriting Tips - 5 Words You Should Never Use
In the world of copywriting, there are words that you should never use. Not because somebody said so, but because studies have been made to determine what words set people off in the wrong way. These are words that will drastically kill your sales. In this article we're going to examine five of these words and explain why you shouldn't use them, as well as give you some substitutes for them.The first, and probably most deadliest word you should never use in your copywriting is the word "buy." The reason for this is because when people hear the word buy they immediately think of spending money, and people don't like spending money. So this word will immediately turn them off on your s

rt tips: http://www.presentationzen.com/presentationzen/2007/04/presentations_e.html

Print handouts on colored papers to differentiate each one for your audience and to eliminate the monotony of all-white handouts.

2. During the presentation

Props
Props can add interest and humor to your presentation, and help illustrate your points, as long as you don’t overuse them and you practice before your presentation.

Demonstration is a great teaching tool if you are clear, concise, and give well-organized instructions.

Handouts, part 2
Save handouts till the e

9 Ways to Increase Business Profits Quickly and Easily
Many business owners who operate a business want as many clients as possible, both those who have just started their business and those who have owned one for a long time. They are, however, not fully utilizing all of their assets as they could be in order to achieve their desired results.The objective of increasing business profits isn’t only met by attracting more clients. There are several other reasons why a business doesn't make as much money as it should besides not having enough clients.Here are a few simple, yet effective business coaching ideas that will help you unlock the hidden profits in business and also some reasons why things aren't operating at full potential

taking their seats. A poster-size photograph or other striking image that relates to your topic is a great visual to get everyone on the same page. Just make sure to cover it or take it down before you start speaking, so the audience isn’t distracted by it.

2. During the presentation

Props
Props can add interest and humor to your presentation, and help illustrate your points, as long as you don’t overuse them and you practice before your presentation.

Demonstration is a great teaching tool if you are clear, concise, and give well-organized instructions.

Handouts, part 2
Save handouts till the e

Debt Consolidation: Second Mortgage or Unsecured Loan?
If you are like most Americans you’ve probably racked up considerable debt trying to keep up with the Smith and Jones families down the street. According to Cardweb.com, the leading online publisher of information pertaining to credit and other payment cards, you are not alone. In 2004, individuals who earned between $75,000 and $100,000 per year, and had at least one credit card, carried an average revolving balance of nearly $8,000. This does not even include other personal debts such as car loans, which can total in the tens of thousands.If credit card debt is keeping you up at night, you’re probably wondering what you can or should do about it. File for bankruptcy? Refinance? If

also help your audience remember what you talked about. For example, one speaker, whose topic was compulsive shopping, delivered her handouts to her audience in mini shopping bags.

Demonstration is a great teaching tool if you are clear, concise, and give well-organized instructions.

Handouts, part 2
Save handouts till the end or, if you need your audience to follow along on a document, only hand out the one they need at the time they need it. Handouts are distracting and take the focus off of the speaker, so plan carefully when you’re going to give them out.

3. After the presentation

Ideally, you have a table at the back of the room where you can display additional handouts, books, brochures, business cards, and other resources for your audience. Make a vertical display board for this table that includes photos, maps, graphs, charts, text, and other visuals to grab your audience as they walk in and as they are leaving the room. This is a good way to display complex information that wasn’t appropriate to go over in detail during the presentation.

Using a variety of visual techniques helps you grab and keep your audience’s attention, and it helps them retain what they learn. Try something new: visuals don’t have to be high-tech to be high-impact.

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Positioning is not about exaggeration or any type of misrepresentation, but about taking the opportunity to accentuate and leverage the positives in language that is clear and persuasive to the audience.

How to do research for your own website, web pages and blogs. Using three or four versions of the keywords you think your potential clients would use, find out where you are coming up in the results.

I look at mortgage files every day and often find myself shaking my head at the mortgage payment I see that borrowers are about to take on. These are borrowers that think that as long as they are officially 'approved'for a mortgage they can afford the payment. This is often not the case.

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Will You Add? - Public Speaking - Creative Visuals the Old-School Way

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