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Imagine reaching the climax of your presentation, only to have it disrupted by a live iguana falling off of a cupboard! This actually happened to a friend of mine, and illustrates the importance of carefully selecting your public speaking venues.

Luckily, the iguana’s owner was in the audience and my friend salvaged her presentation. While most mishaps won’t be quite so large, you can avoid both small and large problems by checking out your venue beforehand. Here’s a couple of things to take into account.

1. Acoustics: Will each member of the audience be able to hear you? Oddly shaped rooms may have dead spots. Some rooms may echo. The more “live” your room is, the slower you’ll need to speak and the better you’ll need to articulate.
2. View: Will everybody be able to see you? If you’re in a large auditorium or other spacious venue, are there projector screens? What will your lighting be like? Watch for columns, poles, and other obstructions.
3. Equipment: Does it have the technological equipment and access that you need? Does that equipment work? (Think of how many times have you been at a presentation with projector troubles!) If you have visual aids, is there a place you can set them up?
4. Size: How big is the room? Do you want a larger audience, or a more intimate setting?
5. Comfort: How comfortable will the audience be? You don’t want them to be distracted by poor seating. At the same time, if the room is hot and the chairs are plush, you may have a hard time keeping people awake.

If you don’t have a chance to visit your room beforehand, there are a couple of tricks you can use to get a lot of information very quickly.

• Pay attention to your footsteps as you walk across the stage. You’ll be able to tell how much the room echos. Listen well, and you’ll be able to find the dead spots on the stage.
• Notice where most people are looking when you walk in. If they’re looking at you, they’re already focused. If not, you’ll have some work to do to get their attention. Watch how quickly their eyes follow you. If there’s a bit of a lag, they’re tired.

In the final analysis, however, your success still comes down to your skill and your passion. Luckily, unlike your public speaking venue, these things you have complete control over.

For more tips on preparing for presentations, visit Presentation Tips. Devin R. Bean is a freelance writer and edits Speech-Time.com Public Speaking.

I read a lot of financial blogs and websites, and I’ve found a theme repeated over and over again.

Allegedly, there is only one sure fire way to accumulate wealth: “pay yourself first”.

It sounds “too simple” doesn’t it? I think it is. But, it happens to be popular advice.

But, the first question one must ask one’s self is “how much?” How much should I pay myself? Paying yourself first easily becomes a subjective pursuit as you search for the “right” amount. Is $50 enough? $25? $100? Presumably, it doesn’t matter. But, it does matter. It does matter because one must ask one’s self, “why am I saving this money?”, which necessitates a discussion of goals and goal setting which necessitates a plan which necessitates a budget.

So, before you can find the “right” amount, you need a budget

By creating a budget, you have the ability to control your financial life. Assuming of course that you adopt a rational approach to budgeting. Paying yourself first is an attempt to bypass budgeting for the idea that any dollar amount will do. But, does this take into account one’s goals? Unfortunately, no, not in and of itself. While it is necessary to set aside money for your future financial goals, it is wise to start at the beginning.

Only then can you start putting some of your money away on a consistent monthly basis and then leaving it there. All the hype about finding a good investment advisor and investing in…. bonds, mutual funds, Roth or regular IRAs, 401ks or any of the other investment vehicles doesn’t matter unless you have a good budget plan first.

David C Lewis, FMM, RFA is the founder of Twin Tier Financial – a financial services company based in upstate NY which specializes in helping individuals find the fastest way to get out of debt. Visit: http://www.twintierfinancial.com for more information.

In Canada, self-employed people do have a little bit longer to file a tax return – until June 15. However, if you owe the government money and file after April 30th, they will start adding on the interest. As you prepare your paperwork for your tax return, here are some deductions to keep in mind:

Working from home is an easy commute in the morning and since it is your principal place of business, you may be able to claim some of your home expenses. Depending on the amount of space you use for business and/or client meetings, you can claim a prorated portion of your utility payments, property taxes, mortgage interest and maintenance costs. It is important to remember, only mortgage interest is deductible – not your mortgage principal.

Office supplies like paper and staples are fully deductible. Bigger items such as computers and office furniture must be depreciated over a number of years according to the Capital Cost Allowance (CCA) rules. CCA rate for computers and computer equipment was increased to 55% effective March 19, 2007. Don’t forget you can only deduct half the annual rate in the first year. So if you purchased a computer for $1,000, you would only be able to deduct $275 against your business income in the first year. In the second, you can deduct 55 per cent of the balance remaining, or $398.75 (calculated as $725 x 55 per cent).

You are allowed to claim a portion of your auto expenses that relate to the business. This includes gas, maintenance, auto club membership, license fees and insurance. It is important to document vehicle use for both personal and business travel so invest in a log book or record system to keep track. The rules may change for 2008 based on the last Federal Budget. There are limitations on how much you can claim for luxury vehicles. The ceiling on CCA claims for 2007 is $30,000 plus GST and PST. And if you want to lease, the ceiling is $800 per month plus GST and PST.

Insurance and health benefits are another concern for self-employed people. If you opt to pay for a private health service plan, you may be able to deduct the premiums as a business expense. To qualify, either your self-employment income must be 50 per cent of your total income or your income from other sources must be $10,000 or less. The maximum deduction is $1,500 for yourself, $1,500 for your spouse or common-law partner, and $750 for each or your children under 18.

Remember to keep all your receipts, just in case you are ever audited. Some sort of accounting software is highly recommended to help you to keep track of your revenue and expenses in an orderly manner.

Mark Styranka is the owner of Exciting Destiny.com. He writes on a variety of topics but primarily relating to money making secrets for the stay at home business. To learn more about how you can work & stay at home, Mark recommends that you visit:

http://www.ExcitingDestiny.com

http://www.SuccessUniversity.com

If you happen to be a tenant with bad credit, you must be feeling that it is not easy to secure finance so easily. But you need not do so anymore as you can easily avail a bad credit tenant loan.

Bad credit tenant loans are unsecured loans approved in spite of bad credit. There is no need to provide collateral for these loans and that is why tenants, who are non-homeowners, find it to their advantage. Any kind of tenant can avail them- council tenants, PG tenants or MOD tenants. Even non-homeowners living with their family can avail these loans. As credit is not an issue here, all of the following bad credit cases are accepted without exceptions:

• Arrears
• Defaults
• Late payments
• County Court Judgments
• Individual Voluntary Arrangement
• Low credit score (below 580 for FICO)
• Unpaid huge credit card bills or store card bills or utility bills
• Bankruptcy.

Any kind of personal plan- whether it is weddings, debt consolidation, car purchase, college education, medical expenses or renovation of apartments, can be carried out with the help of these loans.

Bad credit tenant can be availed when you meet the following eligibility criteria:

• You should be fully employed and earning regular income
• You should have a valid bank account
• You should have proof that you have lived at the current address for the past twelve months.

You can avail financial help in the range of £1000-£25000 if you are eligible. The repayment term can last for a period of time between 1 and 10 years.

Bad credit tenant loans are indeed the loan option that suits the situation of non-homeowners with bad credit. However, they can be a little expensive owing to the high interest rates. So, you must always compare as many loan quotes as you can in order to fish out deals which carry lower rates. Take the help of online lenders for this purpose. They provide free loan quotes very fast so you can shop easily and swiftly.

Peter Taylor is a senior financial at Fast Cash Loan Tenant with an acumen for finance. In recent years he has taken up to provide financial advice through his informative articles. His articles are widely read because of the lucid manner of writing. To find Bad credit tenant loans, tenant loans, that best suits your need visit http://www.fastcashloantenant.co.uk/

titleHow NOT to Get an Interview – Writing a Resume That Keeps Employers Away/titlepEveryone talks about GETTING an interview, about GETTING a job. Have you ever wondered how to avoid generating any interest from employers? This article will give you some tried and true ways to keep hiring managers away from you./ppOf course, if you actually want to GET interviews, youll avoid doing everything listed here, despite what you may hear from other job searchers. Be aware though, that as outrageous as some of these scenarios sound, job hunters use them every day in their resumes. So, youll be in good company. However, if you want to stand out from the crowd (in a positive way!), avoid at all costs!/pp1) Make your resume as general as possible./ppIf you want a sure-fire way to get your resume into the slush pile, this is it. When youll take anything, it appears that you fit nothing. Employers dont want to spend precious time trying to figure out what position youre applying for. If you really want to get their attention, decide what position youd like to apply for, and write your resume with that in mind. Start by providing a strong summary, making mention (preferably in the first line) of the job title youd like to have. Then, think through each duty and job youll be listing, and make sure its targeted toward the position (and industry), youre seeking./pp2) List every volunteer and extra-curricular activity that youve ever done./ppThis seems to be one of the most pervasive myths when it comes to resume writing-more is better. Listing everything youve ever done can only help, right? Wrong. You only have a few pages at the most to let an employer know why youre the perfect candidate for their position. One way to do this is to focus on the activities that would help you on the job. For example, lets say youve spent years volunteering with children. While a worthwhile endeavor, it does not make sense to include on the resume of someone applying for a job as an accounting manager./ppHowever, if the volunteer work involved budgeting for a childrens program, that would be a great addition to your volunteer/additional activities section./pp3) Write your resume in whichever order you feel like./ppDoes it really matter which heading goes first-education, experience, or volunteer work? Yes. Its important to highlight your most relevant activities by keeping them higher up on your resume. If youre a recent college graduate hoping to get a job as an accountant, you should start with education and list your accounting degree. Your work experience as a waiter and cashier are still valuable, though not as relevant, and should be further down. On the other hand, if youve progressively moved up in the same field for the past 20 years, your education, though still important, takes a backseat to your work experience. This should therefore be listed farther down. The same system applies to volunteer work. If youre switching careers and you only have volunteer experience in your new field, that should be near the top of your resume./pp4) Write your responsibilities in whichever order you feel like./ppThis is similar to the point listed above. If youre applying for a managerial position, list those duties that can help you in that job. Even if youve never been a manager, think back to responsibilities that would apply. For example, list in charge of department in supervisors absence, toward the top, and keep assisted farther down. Of course, not everything will be a skill directly used in the position youre applying for. However, those that are should be the most obvious, and this means listing them higher up./pp5) Dont waste your time quantifying results./ppNot quantifying wont necessarily get your resume thrown out, but it wont make it stand out either. Quantifying adds an extra spark. Whats more interesting to read: Managed sales staff, or Managed sales staff of 50, at a Fortune 500 Company? As you list each duty, be sure to ask yourself how can I quantify this? Some obvious ways are through number of people, time saved, and increased efficiency./ppThere you have it…ways to avoid getting an interview based on your resume. However, if a new job is your goal, be sure NOT to do these things, and youll soon be on your way to a new position!/ppCharlotte Weeks is a professional resume writer. She has a background in human resources and is active in two professional resume writing associations (PARW NRWA). Services include resumes, cover letters, and salary histories. For more information, go to: a target=_new href=http://www.weeksresumeservice.comhttp://www.weeksresumeservice.com/a/pbrbr