As featured in The Wall Street Journal, Money Magazine, and more!

Search: organizing

Your personal human capital is an essential part of evaluating your overall worth. Human capital has a number of definitions, but in this case, it refers to a measurement of who you are, particularly in relation to how you might be seen as valuable to an employer or a client. This isn’t the only way to define a person, but since it ties directly into your future earnings and your potential net worth, it is related to finance and shouldn’t be ignored. It’s as important, or even more important, than your net worth measurement.

Consider two job applicants with identical technical skills and education, both pertaining to the job description, and a similar personality that could result in either choice being a good fit for the company. One of the applicants has indicated that he has often been called upon to present information about hie field to the public. Having presentation skills can make a prospective employee more attractive to the employer. The ability to eloquently, entertainingly, and comfortably lead a discussion or present information in front of an audience can open opportunities.

Anyone can throw together a Powerpoint presentation together, but delivering that presentation isn’t as easy as reading the bullet points. Anyone can write a speech, but elocution is a skill that requires careful honing.

Most people in “business” head directly to Toastmasters. Toastmasters uses a standardized curriculum and a safe practice environment that allows people to receive the education and experience they need to take their presenting skills to the next level. My former company, at the satellite location where I worked, had an internal Toastmasters group. We met once every two weeks to critique each other’s speeches or presentations and gain experience speaking extemporaneously about random topics assigned in the moment.

Outside of Toastmasters, you can gain experience speaking and presenting by organizing an event in your community. Libraries offer these opportunities as do community centers and religious organizations. If your field of interest holds conferences, try to get on the schedule of speakers.

Public speaking is acting and performing

Stage fright is a common barrier to increasing public speaking experience. There are two keys to overcoming stage fright or performance anxiety: being overly prepared and breathing properly. Even though the solution is simple, it isn’t always easy. Even veteran actors deal with stage fright, so it isn’t something that is easily cured even it can be managed. Acting experience can be beneficial for public speaking, as many of the skills are similar. In addition to acting, any kind of performance experience — music, dance, etc. — can have positive effects on confidence and the ability to successfully deliver a speech.

Acting also helps develop a performer’s presence. If you’re speaking publicly, you’ll need to have a presence that’s informative and trusted. The best speakers are sometimes described as “larger than life.” You know when they walk into a room that whatever they have to say will be worth hearing.

Actors develop emotional communication skills. Without saying a word, an actor can convey an emotion. The audience will be able to understand what the actor is thinking or feeling. Skilled actors can transmit those emotions to the audience, so the spectators can sympathetically feel what the actor is feeling. This is an invaluable skill for speakers. It could mean the difference between a good presentation and a speech that has the audience on the edge of their seats.

How do you suggest gaining public speaking experience?

{ 14 comments }

Some small business owners find that they can more easily organize their accounting if they have a credit card dedicated to business purchases. For business owners who haven’t established credit in the business’s name, credit card issuers generally rely on the owner’s credit history. So even without a business credit history, it’s possible to be approved. Many small business cards are offering up-front rewards for signing up. The newest offer on the market is the CitiBusiness® World Card, offering new account holders a $100 bonus in the form of points.

New customers must spend $300 on the card during the first three months to qualify for this sin-up bonus. When a new cardholder satisfies this requirement, Citi will add 10,000 ThankYou points to his or her account immediately. Customers can redeem these points for cash, travel, or $100 in gift cards. The Citi Business World Card also offers points for every purchase using the following schedule.

  • Three ThankYou Points for every dollar spent on purchases at certain office supply merchants and on professional services.
  • One ThankYou Point per dollar spent on other purchases.

Also, business owners who order additional cards for employees will earn ThankYou Points for the employees’ purchases.

Unfortunately, the conversion between ThankYou Points and cash back is not the standard consumers have come to expect. Normally, card issuers allow a conversion of 100 points to one dollar in cash back. The ThankYou Points convert at that rate when redeeming gift cards, and most customers will find this to be the best use of the points. ThankYou points never expire. Unlike most Citi consumer (non-business) cards, there is no limit to the amount of points a business owner can earn each year.

One of the strongest benefits of the CitiBusiness® World Card is that it functions similarly to a charge card while still maintaining the features of a credit card. The card has no pre-set spending limit, so if a customer completes a purchase that causes the account to exceed the stated credit limit, Citi may still approve the transaction, without assessing a penalty or fee. If Citi does approve a purchase that sends a cardholder over the limit, the issuer allows a full statement cycle to pass to pay the over-limit amount before charging interest and fees. It’s the only card I know of that offers this feature, which could come in handy in some situations.

Citi also provides a 0% introductory APR on purchases for six months, and after this introductory period, the rate reverts to the standard of 13.24% variable, which is considered low in today’s market. With no annual fee, the CitiBusiness® World Card is a great option for any business owner looking to make organizing finances a little easier.

{ 0 comments }

Don’t fret if you didn’t win yesterday’s giveaway. This is Giveaway May at Consumerism Commentary, so every weekday this month, I will have something new to giveaway. Yesterday, I selected a winner randomly from among those who properly entered by leaving a comment answering the question within the allotted time frame. Today’s challenge will be slightly different.

Like yesterday, I have a $50 Amazon.com gift card to give to a reader. Again, the rules for qualifying are simple.

RSS feeds help you read full articles from websites that publish frequently, like Consumerism Commentary. You can use web-based, desktop-based, and mobile software to subscribe. My favorite software for organizing RSS feeds online is Google Reader, but Bloglines is another popular choice. On my iPad, I use Flipboard, but this generally ties into other RSS readers like Google Reader.

Here is how to enter today’s giveaway for the $50 Amazon.com gift card.

  1. Subscribe to the Consumerism Commentary RSS feed using your favorite RSS reader. You can use these buttons to add Consumerism Commentary directly into your favorite software, and if you’re already a subscriber, you can skip this step.
  2. Look for the phrase of the day at the end of the latest articles in your RSS reader.
  3. Email the phrase of the day to may3@consumerismcommentary.com by 10:00 PM Eastern Time tonight, May 3, 2011.

I will select the winner randomly from among the emails I receive with the correct phrase of the day, and I’ll contact the winner by email within the next few days. You must meet the eligibility requirements outlined in the Giveaway May introduction in order to win. If you haven’t emailed the correct answer by 10:00 PM Eastern Time, look forward to the next giveaway.

{ 2 comments }

Even though credit card companies make money on consumers who use them poorly, a consumer with poor credit will have a very hard time getting approved for an unsecured line of credit. One of the few ways someone with a bad credit history can improve their credit score is by signing up for a secured credit card. A secured credit card is similar to an unsecured credit card except for one key fact. Secured cards require an initial deposit. If a cardholder doesn’t make payments, the credit card issuer can simply draw from the deposit.

Unfortunately, many secured credit card include high fees and unfavorable card terms. As a result, finding a quality secured card can be difficult. This is a short list of the best secured credit cards available for consumers today. Fees, rewards and overall usability were taken into account when organizing this list. All of the cards listed here report to the three major credit bureaus, so if used wisely they will be helpful in building or repairing your credit.

Editor’s choice

Platinum Zero® Secured Visa® Credit Card from Applied Bank®. One of the best benefits of this card is that card holders can make all purchases without paying interest. In exchange for this benefit, Applied Bank makes up for the 0% APR with a $9.95 monthly maintenance fee. The credit line on the Platinum Zero® Secured Visa® Credit Card from Applied Bank® can be anywhere between $500 and $5,000. If you need to make a cash advance, which should be avoided if at all possible with any secured credit card, the cash advance APR is 9.99% variable.

Citi® Secured MasterCard®. The Citi® Secured MasterCard® holds more brand power than any other card on this list. The card carries a low annual fee of $29. The purchase APR is high at 18.24%. For those looking for convenience, there is a snag with this card. The application cannot be completed online. It must be mailed to the company. If that doesn’t stop you from applying, the Citi® Secured MasterCard® offers the option to upgrade to an unsecured line of credit after you have established a good history with Citi’s secured credit card.

Applied Bank® Secured Visa® Gold Credit Card Applied Bank® Secured Visa® Gold Credit Card. The Applied Bank® Secured Visa® Gold Credit Card does not change an account set up fee or a monthly maintenance fee however they charge consumers a $50 annual fee. There is no grace period for purchases, so the interest rate will be charged the day following all purchases. This card comes with a fixed 9.99% APR and the credit limit can be between $200 and $5,000.

Capital One® Secured MasterCard® Credit Card. Similar in structure to the Citi Secured MasterCard, the Capital One® Secured MasterCard® Credit Card offers a low annual fee of $29 and a high purchase APR of 22.9% annually. Also similar is the opportunity to convert this secured card to an unsecured card after a long history of good standing with Capital One. The card allows customers to change the deposit amount or credit limit regularly.

For someone building or fixing their credit — an important factor when you need to acquire a loan or mortgage within a year or two — secured credit cards are good options when unsecured cards are unavailable for any number of reasons. The fees or high interest rates, as listed above, do not make these cards great options for everyday spending. Those who do need a secured credit cards should think about moving to unsecured credit as soon as possible, and as listed above, some of these cards make that transition process simple.

{ 16 comments }

Chase Credit Cards and Blueprint Review

by Flexo

Chase is offering a number of popular credit cards, notably the Chase Freedom® MasterCard, Chase Sapphire and Slate from Chase, which now include a set of features the company calls “Blueprint.” The Blueprint features give the credit cardholder some flexibility in organizing and paying off the various expenses he or she charges to the card. ... Continue reading this article…

9 comments Read the full article →

Weekend Reading: Education Budgets, Organization, and Happiness

by Flexo

This weekend, I attended Communiversity 2010 in Princeton, New Jersey, an annual arts festival in town and on campus organized by the Arts Council of Princeton. The highlights included several collegiate a cappella performances and a Beatles tribute band. Look for a photograph of the Deaftones of Westminster Choir College, one of the a cappella ... Continue reading this article…

18 comments Read the full article →

Quicken Essentials for Mac Released Today

by Flexo

Today, Intuit officially launched the first new version of Quicken for Mac in years. I do not own an Apple computer, so I have not seen this software for myself. I do know from reading many reviews that the Mac versions of Quicken in the past have lagged in quality behind the equivalent Windows-based software. ... Continue reading this article…

6 comments Read the full article →

Time Management: Outsource to Save Money and Time

by Kelly Whalen

This article is presented by Kelly Whalen, Consumerism Commentary staff writer who bought a second car with her husband last weekend. As a busy mom of four and work-from-home parent, I often get told people don’t know how I do it all. It’s simple, I don’t. These are some of my techniques to save time, ... Continue reading this article…

20 comments Read the full article →
Page 1 of 3123