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9 Tips for Handling Public Speaking Questions
How you handle questions from an audience can often be the
deciding factor as to how your presentation is received. If
you're pitching for business, then it's absolutely vital to
handle questions well.
1. Be prepared for questions - When...
Learn the Art of Dynamic Leadership
Leadership is art of leading a group of people to attain a certain goal. Without leadership qualities it is very difficult to write a big success story either in business or in politics. Progress of a country or success of a business depends on its...
Must-Knows for Marketing on the Internet
If you market exclusively through the Internet, or mainly through the Internet, you need to work on your communication style and develop one compatible with the Internet. Here are some tips: 1.WHO OWNS THE INTERNET? We the people. What does that...
Public Speaking For “Scaredy Cats”
Business communications researchers have studied the phenomenon of stage fright experienced by would-be public speakers. Let me summarize most of the findings in very down-to-earth terms: Most people would rather die than stand up before an audience...
Universal Success Secrets
Are there any universal laws that most successful people seem to follow? Great question, huh? With that in mind, I began listing some common denominators in order to share them with others. I’ve been very fortunate to have had some success in my...
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A CPA Talks About Buying Life Insurance
Not everyone needs life insurance. The first thing to do is make sure you need it. Life insurance is really meant for your family members or other dependents who rely on your earnings.
Why You Buy Life Insurance
You buy life insurance so that, if you die, your dependents can live the same kind of life they live now. Strictly speaking, then, life insurance is only a means of replacing your earnings in your absence. If you don’t have dependents (say, because you’re single) or you don’t have earnings (say, because you’re retired), you don’t need life insurance. Note that children rarely need life insurance because they almost never have dependents and other people don’t rely on their earnings.
Life Insurance Comes in Two Flavors
If you do need life insurance, you should know that it comes in two basic flavors: term insurance and cash-value insurance (also called “whole life” insurance). Ninety-nine times out of 100, what you want is term insurance.
Term Life is Simple to Buy and Understand
Term life insurance is simple, straightforward life insurance. You pay an annual premium, and if you die, a lump sum is paid to your beneficiaries. Term life insurance gets its name because you buy the insurance for a specific term, such as 5, 10, or 15 years (and sometimes longer). At the end of the term, you can renew your policy or get a different one. The big benefits of term insurance are that it’s cheap and it’s simple.
Cash Value is Trickier
The other flavor of life insurance is cash-value insurance. Many people are attracted to cash-value insurance because it supposedly lets them keep some of the premiums they pay over the years. After all, the reasoning goes, you pay for life insurance for 20, 30, or 40 years, so you might as well get some of the money back.
With cash-value insurance, some of the premium money is kept in an account that is yours to keep or borrow against. This sounds great. The only problem is that cash-value insurance usually isn’t a very good investment, even if you hold the policy for years and years. And it’s a terrible
investment if you keep the policy for only a year or two. What’s more, to really analyze a cash-value insurance policy, you need to perform a very sophisticated financial analysis. And this is, in fact, the major problem with cash-value life insurance.
While perhaps a handful of good cash-value insurance policies are available, many— perhaps most—are terrible investments. And to tell the good from the bad, you need a computer and the financial skills to perform something called discounted cash-flow analysis. If you do think you need cash-value insurance, it probably makes sense to have a financial planner perform this analysis for you. Obviously, this financial planner should be a different person from the insurance agent selling you the policy.
What’s the bottom line? Cash-value insurance is much too complex a financial product for most people to deal with. Note, too, that any investment option that’s tax-deductible—such as a 401(k), a 401(b), a deductible IRA, a SEP/IRA, or a Keogh plan—is always a better investment than the investment portion of a cash-value policy. For these two reasons, I strongly encourage you to simplify your financial affairs and increase your net worth by sticking with tax-deductible investments.
If you do decide to follow my advice and choose a term life insurance policy, be sure that your policy is non-cancelable and renewable. You want a policy that cannot be canceled under any circumstances, including poor health. (You have no way of knowing what your health will be like ten years from now.) And you want to be able to renew the policy even if your health deteriorates. (You don’t want to go through a medical review each time a term is up and you need to renew.)
About the Author: Seattle certified public accountant & author Stephen L. Nelson CPA has written more than 150 books. His web site is http://www.stephenlnelson.com
Source: www.isnare.com
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| How To Conquer Public Speaking Fear |
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| Allyn and Bacon Public Speaking Website |
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| 10 Tips for Successful Public Speaking - Toastmasters International |
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| www.toastmasters.org |
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| Welcome to Toastmasters International where we are"Making ... |
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| www.toastmasters.org |
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| Contents of online lessons to succeed in public speaking from the School for Champions. |
| www.school-for-champions.com |
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| Public Speaking Home Page |
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| www.mhhe.com |
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| Public speaking - Wikipedia, the free encyclopedia |
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| en.wikipedia.org |
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| UNIVERSITY OF TENNESSEE AT MARTIN COUNSELING AND CAREER SERVICES |
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| www.utm.edu |
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| Painless Public Speaking |
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| www.publicspeaking.com.au |
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| Public Speaking from Uncommon Knowledge |
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| www.uncommon-knowledge.co.uk |
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| Public Speaking Tips by Uncommon Knowledge |
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| www.uncommon-knowledge.co.uk |
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| www.mindtools.com |
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| Public Speaking Information |
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| Basic Public Speaking, 2nd Edition - The Teachers and Students ... |
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| public speaking tips - presentation skills tips, public speaking tips |
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| www.ljlseminars.com |
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| Public Speaking - The Art of Speech Making |
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| www.impactfactory.com |
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| Advanced Public Speaking Institute |
| Public speaking articles, seminars, and educational materials. |
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| Public Speaking Training-Presentation Skills & Public Speaking courses |
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