Communication Beat

Many times, consumers will have to select between filing bankruptcy or permitting their home loan lender to foreclose their house. If monthly or bi-weekly house payments are not received, the bank can file for a foreclosure on the home. Not anything shy of making payments for the mortgage on time is assured halt the foreclosure. Home loans are much like auto loans, if you do not pay your monthly payments you invariably will lose it. It is essentially the very same for everyone who has not paid his or her home loan, the mortgage holder will likely boot you out of the home and sell it to recoup their loses.

Bankruptcy is a legal act that is registered by somebody who is unable to pay his debts as agreed. If the debtor is in the middle of bankruptcy then all the civil legal proceedings associated with the mortgage will be stopped. Consequently, a mortgage bank has to interrupt all collection processes including, but not limited to, foreclosure. A mortgage loan company may be given a pass from the imposed stay, and once it is granted, can continue with the aforementioned process. Bankruptcy will not stop foreclosure and you must still repay your mortgage. Going into bankruptcy only makes the foreclosure process proceed slowly; it does not solve the original problem.

Even though bankruptcy is not going to obstruct a foreclosure permanently, it allows an individual enough time to repay the overdue portion or at a minimum it does make it little gentler to pay back a home loan. the insolvency process necessitates a home loan lender to suspend foreclosure actions, a debtor has a short time to produce the money necessary to pay back the creditor. Insolvency is the final option for all debtors. Eventually bankruptcy will happen when they are completely incapable of meeting their creditor’s minimum commitments. Under bankruptcy, some non-secured debts will in all likelihood be discharged but the home loan will not. The home loan borrower must be prepared to repay the home loan inside the required time frame as the debt is guaranteed by an asset. In addition, Chapter 13 bankruptcy has a pay schedule that is court ordered, that will permit the borrower make payments on her real estate loan to get caught up on their mortgage payments.

Before the borrower can file for bankruptcy, they must meet the conditions. If they do qualify, there will be legal fees. Possibly, it may cost more in legal fees than if they were to just pull the belt tighter and make up the past due financial commitments on the house loan. If you are thinking that declaring bankruptcy may be helpful for the situation, a good attorney will probably be capable of answering any questions you have. Because bankruptcy is very complicated, the home owner really should not attempt to do it without help from a a lawyer.

This is not legal advice. Contact a bankruptcy attorney in your particular state for bankruptcy advice advice.

Some six weeks ago, I began writing and submitting articles to free content sites in order to promote the six commercial Websites I own. The results have been both swift and dramatic, and the number of links from external Websites to my own Websites has increased from nearly nothing to more than 10,000 in a little more than a month. These results have inspired me to write more articles, and as I own six different Websites, I have six different topics to choose from. Still, my ideas occasionally run dry and that certainly happens to others who write articles for their own Websites. Writing and submitting articles on a regular basis does a lot for promoting your Websites, but where can you find more ideas for articles when you run out?

I have several sources that work for me. I subscribe to several newspapers as well as several newsmagazines. Most of my Websites are devoted to “topical” subjects, so the sorts of things I write about tend to be in the news. Sometimes, when reading an article about one of my topics, I find some angle or aspect of the topic I hadn’t previously considered. I read a lot of blogs devoted to my topics. All you need to do to find those is to type in “blog name-of-topic” into Google or any other search engine. You may find hundreds of blogs devoted to your topic of choice, and by reading them regularly, you may find some subject related to your topic that you hadn’t previously considered. You might also try looking for forums related to your topic of choice. Again, just type in “forum name-of-topic” into a search engine. You’d be surprised how many forums are out there. Each one is a potential source of ideas for articles on your topic.

A new tool that really helps is the new Google Alert feature. If you go to Google.com and find their Alert link, you can sign up to have Google send you e-mail once a day, once a week or once a month when a news article turns up relating to any topic you choose. With Google Alerts, sometimes ideas for articles just show up on your inbox!

It goes without saying, but I should mention it just the same. Plagiarizing articles is a crime. Most articles that are published on the Web are subject to copyright. Copying, rewriting or quoting from copyrighted articles without permission is illegal. There is nothing, however, that prevents you from using such articles or the subjects of such articles as inspiration for your own, unique writing. If you are willing to do a lot of searching, there are many great sources of ideas for articles. Just make sure that the articles you write contain content that is your own. The rewards are great, and it’s worth the effort.

©Copyright 2005 by Retro Marketing.

Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including Bextra-Info.net, a site devoted to the withdrawn drug Bextra and StructuredSettlementHelp.com, a site devoted to structured settlements.

Not too long ago, I walked into a room where some of the country’s top oncologists were preparing to launch a new cancer-fighting drug. The occasion was the group’s rehearsal before a big presentation to the Federal Drug Administration. Given that these men and women are some of the best and brightest in their field, I thought the rehearsal would be a breeze. So, I sat down, pen poised to make a few notes so I could help them fine-tune their presentations and be ready for the onslaught of media that was sure to follow.

What a letdown. Five articulate, highly educated, well-dressed presenters, armed with shiny animated slideshows, droned on and on and on and on. It didn’t matter what they were saying because the audience wouldn’t really hear any of it anyway. Around me, eyes closed, and others pretended to take notes while playing solitaire on their laptops. I wondered how in the world I could help these presenters. I also thought about tripling my consultation fee on the spot.

All presenters believe their words are important, and they are. But if you don’t give an audience a good reason to listen, they will quickly tune you out. In an age where sound bite is king, cutting through the clutter is more important now than ever.

Consider the following 7 points before stepping into the limelight:

The Take-Home

No matter how many years and dollars you’ve spent on research and development, no matter the technical complexity of your subject matter, when speaking to a group your entire presentation must boil down to one key point. If you had to sum up your talk in 10 seconds, what would you want your audience to know?

Ask Yourself the Right Questions
What you think a listener needs to know is not always what that listener wants to know. Put yourself in your listener’s seat and ask the following questions: So what? Who cares? What does this mean to the listener, reader or viewer and me? Until you frame your messages from your audience’s perspective, they won’t care. If they don’t care, you’ll never receive their full attention.

Talk in nuggets

Powerful communicators who can hold attention have something in common with each other. They’ve learned that speaking is for the ear, not for the eye. Instead of preparing a presentation as a research paper jammed with minutiae, condense complicated information into bite-sized nuggets and present only the information needed to move an audience toward the desired outcome.

Present, Don’t Read

Is your presentation written like a term paper? Is it written in sentences? Do you allow room for pauses so the listener can participate? People don’t converse in long-winded sentences. We speak in short phrases. So write in phrases or bullet points. You will then find yourself talking more and reading less. Also, take time to pause between key thoughts so your listeners can digest what you’re saying.

Paint the Picture

Explaining the features of your product may be important, but explanation without example has no meaning. People can’t remember all of the facts, but they do remember impressions. By comparing and contrasting, providing analogies and visual images, your presentation will come to life.

Slideshow or Presentation?

No one comes to a presentation to see a slideshow. They come to hear a knowledgeable person share ideas and talk. Visuals should reinforce what you’re saying, not serve as your script. Instead of preparing the slides first, prepare your remarks then create appropriate supporting visuals. Let your words drive the visuals instead of the other way around.

Nix the Jargon

Just because your audience is packed with colleagues or you’re providing information for an industry trade publication doesn’t mean you should talk jargon. Get rid of the buzzwords and throw away phrases. Rather, look for opportunities to put your words in context by humanizing your material and telling stories or anecdotes.

As I worked with the oncologist presenters and brought many of these points to their attention, they worried that simplifying the information would harm their credibility. Quite the opposite. By making an effort to connect with their audience rather than throw too much information at them, they created a focused, central theme with real-life examples that excited and inspired listeners. And in the end, the cancer drug they believed in made it to market and received a lot of good press!

Act like a spong, and grasp all the knowledge you can from Karen Friedman, a leading communications coach in today’s business world. With her experience as an award winning television news anchor and reporter, Karen has helped thousands of spokespeople around the globe make the most out of every interview, appearance and presentation. She has authored 5 communication survival guides which can be found at www.karenfriedman.com along with several popular audio programs. And don’t forget to sign up for a FREE newsletter and receive a FREE BONUS TIP SHEET.

casino gambling online

Assuming you don’t understand gaming establishment games of chance, then feel free to read on —

Typically, a gambling house is a construction that organizes friendly gambling. At such a place, clients may test their luck by having a bash at the coin-operated machines or trying out different gambling games. Betting hall games more often than not include logically determined likelihoods constituting them that ensure the gambling saloon holds on to dominion against the gambling aficionados.

Very many casino games can instigate you to get obsessed rapidly. For example the good old one-armed-bandit, a coin operated gadget with 3, sometimes more drums which swivel once a bar on the side is pulled. The contraption more often than not will compensate punters referring to predefined patterns of designs shown on the front panel of the appliance. Lamentably, gambling house pastimes allow an illusion of power, thus hoodwinking the betting devotee: the addressee is confronted with decisions, but in reality these will never really compensate for the player’s longterm odds. That is induced by the gambling saloongambling house never paying out the full stake as expected. This systematic method is often seen at work in acclaimed casino games like seven-card stud, dice, roulette or blackjack.

Five card stud is really a highly popular casino pastime. The gaming aficionados, closely guarding their either fully or partially screened cards, bet into a principal pot which is awarded to the winning gamer bearing the winning hand. (Obviously, the shameless bluff may well prevail)

Quite like five-card stud poker, blackjack is likewise a very trendy casino game. A generous portion of its appeal is thanks to the mix of luck and skilfulness and choice making, not to mention a practise called “counting”. It is a craft through which gamers will bend the winning odds of the game for their own ends both by betting and fundamental actions according to the hands shown.

Craps is a well known gambling hall wagering game involving the roll of 2 dice. Clients bet on the end result of 1 spin, or on a sequence of spins of 2 dice. Quite unlike blackjack, there’s absolutely no available long term winner strategy people can use to improve the odds.

Roulette is an extremely popular casino gambling pastime – a croupier rotates a roulette wheel that contains a set of exactly thirty-seven (applies to classical roulette) or thirty eight (as in American roulette) distinctively marked pockets in which a ball will eventually settle, thereby revealing the winner and the accompanying odds. If our gamester bets on a particular number which wins i.e. she’s actually enjoying a lucky hand, the disimbursement is 35:1, the original bet will be returned. Hence in total it’s multiplied by thirty-six.

Please make sure to be emphatically vigilant nonetheless for the majority of of these gambling house games of luck are undoubtedly habit forming. Countless lives have been wasted thru uncontrolled gambling and while it feels like fun, do please attempt to balance yourself.

In the present day, as a lot of firms & entrepreneurs are looking towards online video sites as a good place to distribute content to grab the notice of their potential customers, it’s fundamental to know the basic values of using online video marketing portals.

Here are some required bits and pieces you should understand before you start to distribute corporate videos on internet video channels.

Constantly endeavour to use promotional videos that give value added info to your consumers – Lots of business people erroneously assume you can merely put any brand of advertisement on a video website, but nothing could be further from reality. Every single video ought to deliver some meaningful information to the desired market, or start topic of talk.

Conduct some degree of market research on the video websites before posting your 1st video – It’s a terrific suggestion to give some considerable time typing your market’s essential keywords into Google, in an endeavour to realise what comparable promotional videos are presently on the World Wide Web. Then make sure you have written down the profile names of the most prominent users in your market. Maybe down the line you can participate in a joint venture or have some sort of cooperation with these businesses.

It is important to take into account that each & every video site has a society built into it – With this in mind you ought to respect the other members and it is recommended that you post positive annotations to your rivals’ videos. Essentially you must be a member of the community, offering feedback, ideas etc. And only then should you think of yourself as being a video marketer & start to promote your very own videos and services.

Commit yourself to producing numerous promotional videos – You ought to have a clear strategy for developing & posting several promotional videos. Otherwise, your video company’s page on the video portals will appear blank if it simply has one solitary video to see. So, assign extra time planning the creation of a sequence of short format promotional videos, instead of one long video.

Internet video marketing is one of the most efficient and quickest methods of advertising at the present time. Get the most value from your online video content through Vidify’s quality video distribution partnerships.

As the presidential elections in the U.S. are merely days away one issue the candidates have talked very little about is their stance on online poker. And online gambling in general whether it be poker or other casino games.

However, a U.S. minor political party, the Libertarian Party, appears to be the most supportive of online gambling and poker. The national ticket is comprised of former Republican Congressman Bob Barr and former Republican Wayne Root, a Las Vegas resident and former sports handicapper. The Libertarian Party has since its inception been opposed to extensive government regulation and strongly supportive of civil liberties and free trade. A major plank in its party platform is the call to redirect the criminal justice system’s focus on victimless crimes, such as gambling. A major plank in its party platform is the call to redirect the criminal justice system’s focus on victimless crimes, such as gambling.

The party’s communication director, Stephen Gordon, is on record as having objected to the various anti-online gambling bills proposed in Congress, which ultimately resulted in the UIGEA (Unlawful Internet Gambling Enforcement Act). Regardless, though, of whether Barack Obama or John McCain win the election, I hope that they both see the financial and cultural benfits of legalizing online poker.

Obama’s impending visit to Iraq, Afghanistan, Israel and the Palestinian territories in the West Bank has generated a lot of interesting buzz. Democratic Presidential nominee Barack Obama will be in the Middle East beginning July 22. While in the Middle East, the Democratic nominee will meet with Israeli President Shimon Peres and other prominent Israeli political personalities. Obama will also meet with Mahmoud Abbas, the Palestinian Authority President. Earlier in the campaign, Senator John McCain criticized Obama for his failure to visit Iraq in a long time. Now, it seems like McCain has changed his mind as he and the Republicans, are calling the trip a political stunt and a major media event. Obama’s trip will certainly be a media circus as it has been reported that at least 3 major broadcast reporters will be joining him. However, his arrival in Iraq might be met with conflicting emotions due to his support for the withdrawal of U.S. troops. Though many Iraqis share his dream of the pulling out of American forces in the country, many are also confused because it might lead to chaos. Others are more concerned about the possible loss of security gains once the troops pull out. Whether Obama’s visit will be met with praise or conflict, at the end of the day, what will matter most will be its impact on American voters.

The over riding advantage of Chamonix Haute Savoie France is its closeness to Geneva airport. You can leave England in the a.m. and be snowboarding by the afternoon. The achievement of Flybe and reasonably priced flight services has resulted in much cheaper fares and with only a one hour ski transfer duration between the airport and Chamonix a skiing weekend is today within the range of all skiers; and our skiing chalet is free from Weds/Thurs until the Sunday which enables one to benefit from cheaper travel costs and quiet slopes. On disembarking the plane at the airport right up until collecting the group’s ski passes awaiting for you on arrival; every detail is organised to ensure that everyone spends the least amount of time travelling and the max. of the trip snowboarding.

A weekend skiing in Chamonix Haute Savoie is an enjoyable trip only if you arrange the details correctly so you can revel in your precious vacation. Of course this means getting the travel airport transfer and chalet just right and chauffeuring the group to the slopes as quickly as humanly possible. Our aim is to provide you the most amount of mountain time and the min. hassle including the normal impeccable levels of cosines meals and concierge service. To this end we lay on swift transfers supreme chalets supreme meals and we will advise and book guides and snowboarding instructors.

Or do you?

Writers write. You shouldn’t wait around for inspiration to come. But sometimes, there are days you can’t get anything written down. Or you’re at a loss for words. You can’t think of anything to write. You don’t have any idea what to write about.

And then you end up believing you’re having writer’s block.

You end up believing it too much, you stop writing altogether. You might even think of yourself as not a real writer.

And all because of what? You think your muse deserted you? You think you have writer’s block?

Think again! You don’t need inspiration to write! What you do need are prompts to help get your writer’s mind working and your hands writing or typing.

These prompts are your beginnings; the glimmer; the little sparks that you can shape and fashion into stories, articles, essays and features.

You don’t need inspiration. All you need is an idea.

And here are a dozen seeds you can try out for yourself:

1. The first typewriter was patented on July 23, 1829. Interview some of the writers in your group and find out how they write. You can develop this into a light-hearted articles about writers.

2. Many fictional characters are not fictional at all. Write about one real person who has been fictionalized.

3. Electricity is a recent discovery. Think of 10 things to do when there’s no power.

4. Pirates no longer just refer to the highwaymen of the seas. There are different breeds of pirates today. Write about today’s pirates and what they’re pirating.

5. Many words in the English language come from the names of people — such as mesmerize (from Mesmer, a hypnotist). Find out more words from people’s names and write the story behind the words.

6. The US Declaration of Independence begins with this line: “We hold these truths to be self-evident, that all men are created equal…” Write you own Declaration of Independence by using the same line as your starting point.

7. How do you start a fan club? Write a how-to on organizing a fan club for a favorite author, singer, actor or sports figure.

8. How do planets die?

9. Expound or dispute this: “Where science ends, religion begins.”

10. Take a look at your bookshelf. Pick one book and write a review of it.

11. How is privacy invaded on the Internet?

12. Write an article on how to choose a pet. Target your piece for kids aged 7-10

About The Author

Copyright © 2003-2004 Shery Ma Belle Arrieta-Russ

Shery is the creator of Ebook Pizzazz(tm). Create eye-catching PDF ebooks with Ebook Pizzazz(tm) templates. Over 100 MS Word(tm) templates will give your ebooks and other documents the Ooomph! they deserve. Download complimentary templates at http://ebookpizzazz.com

Is it possible to improve your writing instantly? The answer, happily, is “yes.”

While researching a book on famous speeches and essays, I found eight easily correctable mistakes writers often make. Here they are…and how to correct them instantly.

1. UNFOCUSED SUBJECT – Focus on a single theme only. Every sentence and paragraph should reinforce that topic.

2. TOO LONG – Abraham Lincoln crafted his Gettysburg Address in less than 300 words. Unless I’m specifically asked to do otherwise, I try to condense my work to one double-spaced single page (about 250 words).

3. WEAK PREMISE – Can you state the major focus of your message in 20 words or less?

4. NO ATTENTION-GRABBER – The first sentence or two must quickly attract the reader. Two ways to do this: (a) ask a question or (b) reveal a discovery.

5. UNLINKED PARAGRAPHS – Each paragraph should logically lead to the next. One way some writers do this: (a) quickly write several paragraphs on a subject; ((b) prioritize them; (c) present them in descending order from most important to least important; (d) conclude by restating the two or three most important points.

6. PASSIVE VERBS – Passive verbs like is, am, was, and were simply exist. Action verbs run, jump, excite, and motivate.

7. BORE FACTOR – Some research says the average adult attention span is only eight seconds. So it’s important to make your points convincingly, and end your paper powerfully.

8. WEAK ENDING – Exit your report like an experienced stage performer…leave your audience wanting more. Two ways to do this: (a) use a famous quote to reinforce your conclusion, or (b) give details showing the reader where to get more information on the subject. (Examples: your phone, fax, e-mail, etc.)

Rix Quinn writes the nationally syndicated weekly newspaper humor feature “Poor Rix’s Almanac” for DBR Media.

His new book “Words That Stick” is available from your local bookstore, or from Amazon.com. He can be reached by phone at 817-920-7999.