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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?

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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.

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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 from our list of credit card offers for 2012.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.

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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. Customers can visit the website to customize their experience as they pay back what they have spent, and possibly avoid paying interest at the same time.

Here are some of the configurable options in the Blueprint program. If you’re interested in Chase Freedom, see this comparison and review of Chase Freedom offers.

  • You can choose categories, like gasoline or groceries, and Chase will separate those items from the rest of the statement. The payment you send will go to these expenses first, so as long as you pay more than you spend each month, you will not pay any interest in the categories you choose.
  • For larger purchases, you can decide how may monthly payments you’d like to make. Chase will calculate the portion of the monthly payment.
  • If you want to pay your credit card off in full — and everyone should — you can set the target date and Chase’s statements will tell you how much you need to pay each month in order to make your goal.
  • Your expenses are categorized immediately, and you have access to view your data at any time. Many other cards, if they share your categorized data at all, send a summary only at the end of the year.

Chase Freedom® Visa

Chase Freedom® Mastercard - $100 Bonus Cash BackA consumer credit card, the Chase Freedom® Visa offers cardholders a $100 statement credit if $500 is spent during the first three months of card ownership. The Chase Freedom® Visa also offers a 0% Intro APR for 15 months on purchases and balance transfers. Also, you receive 1% cash back on all purchases and 5% cash back on rotating categories throughout the year. The Chase Freedom® Visa does not have an annual fee and includes a variable purchase APR of between 12.99% and 22.99%.

Chase Sapphire℠ Card

Chase Sapphire CardThe points you earn by using a Chase Sapphire℠ Card have many uses, including travel (any airline, hotels, and cruises), rewards available through Chase’s website, and cash back. According to the current program rules, the points you earn never expire. If you apply for the Chase Sapphire℠ today, they have an introductory offer where you can earn 10,000 points after you make $500 in purchases with the card during the first three months. These bonus points are worth $100 in rewards and will be credited to your account after six to eight weeks, a typical bonus delay across the industry. For all purchases including that first purchase, you will earn 1 point for ever dollar you spend. For restaurant purchases with the card, you will earn twice as many points. The Chase Sapphire℠ Card does not offer the Blueprint service.

Chase Sapphire℠ Preferred Card

Chase Sapphire Preferred CardThe Chase Sapphire℠ Preferred Card is one step up from the Chase Sapphire℠ you see above, the introductory offer is 40,000 bonus points for spending $3,000 in the first three months of card ownership. These points can be redeemed for travel worth up to $500 when booked through Ultimate Rewards. And at the end of the year, all Chase Sapphire℠ Preferred cardholders will earn a 7% points dividend on all new points earned, meaning you’ll receive even more points. Each cardholder will receive a dedicated phone number where live agents are available. The $95 annual fee is waived for the first year.

Ink Cash℠ Business

Ink Cash(SM) BusinessThe first of three business cards, the Ink Cash℠ Business has an introductory bonus of up to $250 cash back bonus earned as follows $100 cash back after your first purchase, plus an additional $150 after you spend $5,000 within the first three months of card ownership. This card offers all small business owners the opportunity to earn 5% cash back on the first $25,000 spent annually on office supply store purchases, cellular/landline phone service, internet and cable TV services.* In addition 2% cash back on the first $25,000 spent annually at gas stations and restaurants*, and earning 1% cash back on everything else. The Ink Cash℠ Business does not have an annual fee, so as a small business owner, there is no cost for making fast secure purchases using your credit card.

Ink℠ Bold with Ultimate Rewards

Ink(SM) Bold with Ultimate RewardsThe Ink℠ Bold with Ultimate Rewards has the potential to earn you thousands of points every year on eligible business purchases. It’s important to recognize that the Ink℠ Bold with Ultimate Rewards is a charge card, not a credit card. The balance is due in full each and every month. With this card you will earn 25,000 bonus points after your first purchase plus an additional 25,000 bonus points after you spend $10,000 in the first three months of card ownership – that’s earnings that can total up to 50,000 bonus points which can be redeemed for $500 in rewards, or towards airfare when you redeem online through their Ultimate Rewards booking tool. You’ll earn 5X points per dollar on the first $50,000 spent annually on eligible business purchases. There is an annual fee of $95 to hold Ink℠ Bold with Ultimate Rewards but that is waived during the first year. Points can be redeemed for unrestricted travel on any flight, anywhere without blackout dates when booked through their Ultimate Rewards program. In addition each cardholder will receive complimentary access to airport lounges worldwide.

Ink℠ Classic

Ink(SM) ClassicYou’ll earn up to 25,000 bonus points – 10,000 bonus points after your first purchase, plus an additional 15,000 bonus points after you spend $5,000 in the first 3 months of card membership Ink℠ Classic Business, worth $250 redeemable towards travel, gift cards, merchandise and more. This card comes with a 0% introductory APR on purchases and balance transfers for twelve months. One reward point is earned on every dollar spent, two reward points per dollar are earned on the first $25,000 spent annually at gas stations and on hotel accommodations* and 5X points per dollar on the first $25,000 spent annually at office supply stores, and on cellular phone, landline, internet, and cable TV services*. The Ink℠ Classic small business card does not carry an annual fee and employees needing additional cards are free of charge.

United MileagePlus Explorer Card

United MileagePlus® Explorer CardWith the United MileagePlus® Explorer Card, cardholder can earn up to 40,000 bonus points by making one purchase, adding a second authorized user, and spending $25,000 over the course of a year. If you fly United, you can avoid fees for checked luggage and experience priority boarding. There is a $95 annual fee, waived for the first year. I own this card and use it as my primary credit card, as I fly United several times each year.

With or without Blueprint, these Chase cards are among the best deals out there for those who use credit cards responsibly. Have you had any experiences with these credit cards from Chase? Whether good or bad, please share your thoughts.

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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…

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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…

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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…

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Podcast 32: Gift Cards and Financial Reform

by Flexo

The first guest on today’s Consumerism Commentary Podcast is Jim Sharvin, a Certified Public Accountant affiliated with the California Society of CPAs. Tom Dziubek and Jim discuss how consumers can protect themselves when buying and using one of the most popular holiday gifts, gift cards. After the break Tom speaks with Heather Booth, Executive Director ... Continue reading this article…

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