Delivering an effective presentation to 20 or to 200 people is difficult. Because listeners have better access to information since the internet became commonplace, audiences expect more content from speakers today. In addition, because of the entertainment slant of most media today, audiences want a presentation delivered with animation, humor, and pizzazz.If you would rather spend your time preparing your content than reading a book on public...more
Centuries ago great speakers often spoke two hours and more. But today when sound bytes on television news are the norm and serious problems are solved in an hour on a television drama, audiences are most interested in speakers that get their points across in a short period of time. In a speech delivered to a Women in Communication audience, Patricia Ward Brash said, "Television has helped create an impatient society, where audiences expect us...more
Let's start by taking a look at 7 key elements of an adjustable rate mortgage:1) ARM defined: While a fixed rate loan is constant and never changes throughout the life of the loan, an adjustable rate mortgage changes periodically. The interest rate of an ARM goes up and down based on whatever external index it is tied to. Add the lender's "margin" to that, and you've got the rate. Add costs to that, and you've got the APR. Other considerations include the fixed period, the adjustment date, and the adjustment interval. There are built in risk management devices such as caps, conversion clauses, rate ceilings, rate floors, periodic payment caps, and periodic rate caps. So, while fixed rate loans stay constant and are fairly straightforward, future payments on ARMS is an unknown, and they go up and down depending on a variety of variables.2) Index: An adjustable rate mortgage is tied to an external index. If you look in the financial section of the paper today, you might see a chart posted for the 1 year constant maturity treasury index, also called the CMT, otherwise known as the 1-year "T-bills". You might see a graph, showing the T-Bills rising and falling in value over...more
If that sounds like you, here's what you may be missing once the new enterprise is launched Public relations that really does something about the behaviors of those key outside audiences that most affect your new enterprise. PR that uses a fundamental blueprint to deliver external stakeholder behavior change - the kind that leads directly to...more
On Jan 1st 2005 a new online payment processor and wealth-building system will be arriving on the Internet. PayAce's CEO Pedro Dispenza kindly took time out to answer some questions about this new service. Interviewed by Bryan Small 2004 [Bryan] Pedro, PayAce - ANOTHER online payment processor? Does the online community need another electronic...more
Cell phone accessories would include antennas, batteries, cases, faceplates, holsters, holders, hands free kits and a few others. Antennas are to boost your signal and an additional battery may be a good precaution. A car charger could be a good alternative to an additional battery. With the convenience and pricing of cellular phones and the new long life batteries, many people are choosing to eliminate the use for a home phone altogether. There is no reason to pay for one phone, when you already have one in your pocket that has the same purpose. Although some cell phone accessories are trends, most are very beneficial to the cell phone user. Consider what and when you use the cellular and how cell phone accessories would be a convenience to you.Cell phone accessories need to be charged all the time. When your cellular phone batteries aren't kept fully charged, it will die in the middle of conversations. If your cell phone batteries haven't been adequately charged over time, you will have to spend more money and time replacing themCell phone accessories include different parts. Of all these, the hands free kits are the most important. In some states, it is illegal to drive while...more
Cellular phones are used by millions of people in the United States and around the world. They are such a great device! With a cell phone, you can talk to anyone on the planet from just about anywhere! These days, cell phones provide an incredible...more
Last week, I cheated on my long-time lover Google, with my old boyfriend Yahoo. And ever since that day, I have considered becoming a bigamist.(To full understand what that crazy drivel was about read my last article about how to get your RSS feed...more
With all the excitement regarding high protein diets, one area that is often not talked about is a diet rich in protein can be a major contributor to bad breath. Actually, there are several causes of bad breath, many of which most people have given...more
Here are 8 things to consider, when evaluating lenders online: Website Design Privacy Policy About Us Popularity Reputation Short Form Points, Fees, Terms and Rates Communication1. Website Design: The webpage is, in fact, the storefront of the...more
Dear Reader,These articles will provide a step by step guide on how to start and run a home based business based on my experiences and other home business owners. This is part 1 in a series of 5 articles. They are written in a basic format and...more
Ask this question to 100 people and you will receive 100 very different answers. The fact of the matter is there is no right age to start. But don't fret (did I just say fret?) knowledge is power! To borrow a line from Star Wars, "Use the force...more