Another free release

By Kenneth Robert

Whenever an individual is searching for good financial options, he should always look out for those plans that not only offer a handsome amount of funds but also give the benefit of several concessions on the scheme. One such amazing financial aid that fulfills both these clauses in an efficient manner is available in the market in the form of secured personal loans. These loans are specifically created to meet the huge monetary requirements of the borrowers. Moreover, as these loans are categorized under the heading of personal loans, borrowers can opt for such loans for any scores of reasons. You can these loans for a variety of purposes like buying a new vehicle, going on a much awaited family vacation, revamping your house, consolidating your debts, funding your child’s higher education, and etc.

The entire range of secured personal loans is intelligently designed with easy and manageable terms and conditions. In order to avail this loan, you just have to submit decent collateral to the lender that can stand as equity against your high loan demand. Ideally, assets like home, property, and jewelry, automobile are considered as apt collateral options. Hence, if you are also a homeowner and are looking for a huge financial help to settle your unplanned requirement then immediately consider the lucrative option of secured personal loans. Nowadays, many borrowers are opting for this loan because of its hassle free nature and convenient repayment module. All borrowers can have the advantage of opting for quarterly, monthly or annual repayment installments, according to their suitability. Moreover, the rate of interest levied on this loan plan is also very low and affordable.

Nowadays, every financial institution including bank and money lending agencies are actively dealing in the option of secured personal loans and thus, getting one suitable deal is not much of a hassle for any borrower. Any interested applicant can easily get the list of lenders, offering this loan through the very resourceful options of loan directories and finance consultancies. Make sure that you approach to a certified finance consultancy that can provide you with the list of reliable finance companies. While taking this financial assistance, it is important for the borrower, to check the creditability and reliability of the lender as your property or offered asset is at stake. In addition to this, also ensure to read all terms and conditions of the deal very carefully, so that you can avoid the chances of getting duped.

Finally, when it comes to placing your application for secured personal loans, it is best to go for the online services. In this procedure, you have to fill up an online application form that is available on the website of your preferred lender. The short application form may ask for the details on your employment and personal status. In addition to this, you are also expected to send important certification documents of your offered collateral to the lender. Once, this completely filled form is posted on the site, the executives from the concerned finance company will revert back to you, to carry out the mandatory procedure of verifying the offered details and collateral and crafting the deal documents.

About the Author: Kenneth Robert is an expert financial advisor therefore he can tell you how to look better.To know more about Secured loans,secured business loans,secured personal loans, bad credit secured loans, and secured homeowner loans visit

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By Wade Robins

Due to the fast-paced world we live in, people need to access information in compact modules in order to save precious time. Most of us cannot afford to read voluminous materials simply because it eats up too much of our time which could otherwise be spent on more important matters.

This is precisely the reason why new technologies are being adopted by almost all industries in order to disseminate valuable information to the public. One good example of using technology to inform and educate the general public is using a stop smoking PowerPoint presentation.

The advantages of using a modern presentation instead of merely conducting lectures and traditional seminars about smoking cessation is that a PowerPoint presentation utilizes both the power of the word and the power of visuals – a highly effective combination for people who have hectic schedules and those who cannot fully take in mere spoken words.

If you’re planning on presenting a stop smoking PowerPoint presentation to a targeted audience, you should take pains in planning it and using the best visuals to make it more engaging. Below are a few simple tips to follow when putting together a stop smoking PowerPoint presentation:

Make it simple but engaging

It’s very likely that if you’re to teach a group of people about the hazards of smoking, you’ll need to present a lot of researched facts. However, you also have to squeeze your stop smoking PowerPoint presentation into just a few minutes in order to keep your audience from getting bored.

Thus, you should find a way to summarize your data and include only the most attention-grabbing facts.

Use visuals that complement rather than distract

Nothing could be more irritating than presentations replete with nonsensical ClipArt. To have an effective stop smoking PowerPoint presentation, make use of visuals that are relevant to the topic at hand. ClipArt does nothing by way of making your audience remember the facts that you are presenting.

The better thing to do is to make use of beautifully constructed charts and graphs that would support your numerical data. Doing so would enhance your script and would make a mark in the minds of your audience.

You can also try looking for copyright-free photos that could affect the emotions of your audience in a manner that you desire. For instance, if you want to shock or jolt them into action, using photos of damaged organs could be a great idea, and these could conveniently be incorporated into your stop smoking PowerPoint presentation.

Practice before presenting

To ensure the success of your lecture, devote some time to giving the slideshow a dry run. Make sure that when doing so, you will be using the same equipment that you will have at hand during the actual presentation.

It’s tough working on borrowed equipment because technological tools depend on the settings that the users establish. If you fail to test the equipment, your entire stop smoking PowerPoint presentation might just go to waste.

Create slides with templates that complement rather than distract. Moreover, they should be relevant to your topic. Otherwise, it would be better to use a plain background for your slides.

Use text sparingly and never overwhelm the audience with too much text. If you want them to read loads of information, then you might as well give them handouts and brochures to read at home.

Make the slideshow easy on the eyes and insert graphics and photos where appropriate. A perfectly laid out stop smoking PowerPoint presentation will definitely help your audience remember what you want them to.

About the Author: You can also find more info on

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By Gregory Frost

Playing leadership games is a popular technique that has been used in many leadership training camp or courses. These games are usually more interactive, as compared to other mind teaser games like chess or solitaire. To some, these leadership games might seem nothing more like a kiddy’s playground, but in actual fact, these leadership games are a good estimation of how good a leader you will be or how compatible you are as a leader. These are definitely necessary, and it is not a wonder that more and more successful businessmen are participating in leadership training courses. Check out how these leadership games will get to improve your management style and improve the quality of your leadership.

Most leadership games would involve role-playing games (RPG) whereby the player is a head of pack or platoon. With that in mind, the player is suppose to the ultimate leader in ensuring that the objectives of the games are met by making use of several sacrifices, strategy planning and sleek tactics.

It might sound ridiculously simple here, but the role-playing games are actually harder than most people think. Popular game role-playing game would be ones like World Of Warcraft and Medal of Honor. These games focus a lot on planning and sacrifices in order to determine the winner. Despite the blood and gore can be found embedded in the midst of game playing, these kind of games enables the person to think for himself and provide quick and reliable solution to overcome all obstacles. It might get a bit tiring and stressful half way through the game, but if the player is able to survive the hardships, then it just shows that he has a very high determination level, which is definitely useful in any form of real-life management.

The reason why these role-playing games are highly anticipated is because it encourages integrated thinking and quick action plans. This enables to player to be a quick and effective leader. Furthermore, most of these role playing games are played such that the player wins only when all the other members of the player’s platoon or pack makes it through together with the player. This aspect of the game encourages the player to be a leader who is capable is leading a big pack, confidently.

Many people might sneer at the ability of these games to bring out the leadership qualities within the player itself because these leadership qualities that are developed in the virtual worlds are not exactly applicable in real life context. This is when many of them are wrong. According to Einstein, we humans only use 10% of our brain, as such to make use of the other 90%; we have to work it out through the use of other techniques such as mind teaser games and role playing games.

It is always easier to be a follower than a leader. As such, in order to be an outstanding leader, one will definitely have to put in the extra effort and only when he does so, he is able to push his leadership capabilities to the maximum.

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By Lisa Merritt

All non-profits face the same pressure when it comes to raising money, so why do some succeed while others fail? Why do some organizations get funded year after year, while others submit over and over without any funding? Why do some organizations never even start submitting grants, keeping them selves from receiving potentially thousands of dollars?

The biggest reason most non-profits don’t get funded is because they never submit! Starting the process of grant writing can seem daunting, but if you just take it in small increments, setting small goals, before you know it, your organization will be on the road to successfully submitting award winning grant applications.

1.First, you must have your 501(c)3 designation from the IRS. While some funders allow for fiscal agency (meaning, another organization that does have a 501(c)3 can submit on your behalf, and keep a percentage of the award to administer the grant funds), you really need to obtain your own designation to qualify for the most grant opportunities.

2.Second, gather your essential documents. While these vary from grant to grant, funders usually ask for enough information to make sure that your organization is legitimate and that it fits in with the area that they fund. These documents usually include your articles of incorporation; past, current, and projected organizational budget; list of Board of Directors; one-page history of organization; media reviews, programs, any other publicity you may have; audited financial statement or most recent tax filing; and resumes or bios of key staff.

3.Third, find a funder. With the internet, it is simple to search for funders who make grants to your type of organization, in your state or region. The application is usually straightforward (although it might be lengthy) and accompanied by a set of guidelines that explain step by step exactly how to fill out the application, what documents to attach, how many copies to make, where to send, and the all-important deadline. Do not miss the deadline.

That’s it. Keep your writing to-the-point and simple, and if you have any questions at all, call the person listed in the guidelines as the grants administrator. Just be polite and introduce yourself, admit that this is your first application, and ask for any advice she may be able to offer. Often, funders offer a workshop or may even have samples of funded grants available.

Remember, if you don’t submit, you won’t get funded. So give it a try. You have nothing to lose, and thousands of dollars to gain.

About the Author: Lisa Merritt is president of Pegasus Consulting Group, Inc., a full-service grant writing and grant search company, and author of Simply: Grant Writing. Please visit her website,

pegasuswriter.com

, for more information or to purchase Simply: Grant Writing in electronic format to get started grant writing today.

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Submitted by: Matt Bacak

Let’s say you have more than 20 years experience in your chosen field. For the sake of this article, let’s say you have been in the nonprofit field for 25 years and are at the very top of your game. And let’s say you’re a bit bored with the hum-drum day-to-day routine of being an executive director. You love nonprofit sector, but you need more of a challenge and you yearn to help people grow and achieve success in their nonprofit careers. Plus, you’d like to earn a little bit more money and are a bit tired of the board of directors overseeing everything you do.

Perhaps it’s time to go into business for yourself. Perhaps it’s time to become a consultant, a coach, a speaker and trainer. The thought is exciting, albeit a little frightening. You’re current salary is certainly respectable for a person with your skills and experience, and the health insurance and retirement plan are comforting benefits that you don’t want to relinquish. But none of these factors have been able to sufficiently scratch that darned itch that keeps telling you it’s time to start your own nonprofit consulting business.

Going into business for yourself as a consultant, coach, or speaker (or all of the above) requires determination, a little self-sacrifice (in the beginning), and a lot of experience. People hire consultants because they need the expertise of someone who has been there and done thathundreds of times. There are consultants in literally every career field, and once they become accustomed to the process of generating clientele, they can make over double what they were earning as employees. In fact, recent statistics show that successful and established consultants can make anywhere from $1,200 to $5,000 per day.

There is power and prestige in consulting that can rarely be found in management positions, even executive positions. The power comes from calling the shots as a business owner and making sure people know they need you; the prestige comes from being the very best in your fieldand making sure people know it.

But there’s a not so subtle difference in owning your own business and owning your own consulting firm. Lots of people own businesses. My fianc owns a deli, my father owns a small publishing business, and my mother owns a bakery. But owning your own consulting firm lets people know that you’re the crme de la crme in your field – and if they want to rise to the top like you have, they’ll hire you to help them.

Consulting firms, like the one you will soon own, can be anything from a one man show to a large agency boasting senior and junior associates. Most consultants make their day to day income from coaching and mentoring individuals in the field – charging anywhere from $300 (for junior level staffers) to $500 (for senior executives) per hour. They also assist clients with organizational development, strategic and financial planning, and a host of other services including workshop facilitation and board and staff retreats. And if they like to speak in front of audiences, many consultants make thousands of dollars simply talking to a crowd for a few hours about their experiences and knowledge.

While it’s not as easy as 1-2-3 to quite your job and start making $5,000 a day as a consultant, it’s certainly not as difficult as it looks – especially if you’re very very good at what you do and have expertise that few can match. Start off as a moonlighter, which is the term used when someone has a day job but works on their own business in the evenings. Make a simple business card for yourself and during your lunch hour at work, go to chamber of commerce or rotary meetings where you can network and talk to people about your new consulting practice.

It’s not too difficult to pick up a small client or two this way, and once you do a good job for them and build confidence in yourself you’ll begin to branch out and up. People will hear about you, your phone will start ringing, those simple business cards you handed out at the rotary meetings will change hands and generate bigger clients, and you’ll begin to realize that maybe you really can quit that hum-drum job and make it big on your very own.

About the Author: Matt Bacak became “#1 Best Selling Author” in just a few short hours. Recent Entrepreneur Magazines e-Biz radio show host is turning Authors, Speakers, and Experts into Overnight Success Stories. Discover The Secrets

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Tips For Career Planning

by

Broderick Bell

It is never too early to consider a career and the things you can do before college to help keep your career options open. Career counsellors assist people to explore, pursue and attain their career goals. Counselling is actively listening to an individual’s story and communicating understanding, respect and empathy; clarifying goals and assisting individuals with the decision-making process.

Employers do not want to hire an absentee person. Believe it or not, the employer will invest a lot of money to hire the person they feel will be the best asset to them. They want someone that will be on the job and able to complete the assigned tasks. One way to determine this is to check your high school or college attendance record.

Let’s take these further. To enhance your career, hardworking, humility and honesty is essential. Hardworking is fairly straightforward. It just means nothing comes easy. There are no rewards in the working world that comes without hard work. In fact, there is nothing in life that comes without hard work.

There are many networking events in November and December – in your social life, in your community, and in your professional circles. Think of all the companies having holiday parties. Many charities have their last fundraisers of the tax year in November and December. Book sales, holiday fairs and other celebrations make this the best time of year for productive networking!

Evaluate your progress after last career planning: it is not about dwelling in your past, rather understanding the direction of your career since the last time you planned it- whether you followed what you planned, how much you deviated, whether you progress is significant or have you become stagnant or even treading a regressing path.

Building a network of contacts and maintaining constant touch with them in one of the surefire method of effective career building. Today many organizations resort to getting reference from its own employees rather than going through the advertisement or job consultancy route while hiring. This not only saves some time and money for them but they know that the minimum job quality is assured through reference.

Write down your plan to achieve those small goals. Here comes the real planning step. Know your outcome. Know your situation. Know your competency. Know you competitor. You should write down all the analysis so that you know what you can do and what you can not. If not, how you are going to acquire those skills. Write down all the activities you need to do in days, weeks and months.

Career goals need to be manageable. If you are working as an executive and your goal is to become CEO in the next two years, wake up my friend and smell the coffee. This is not going to be possible unless you are related to the CEO of the company, and even then it is not going to be easy. Set small and manageable goals where your career plans are concerned.

Controlling your life, career and future is no easy task. Once you make the decision to start, work through one thing at a time. Keep it up and before you know it you will put together a record of personal achievements and career advancement. The time to start is now.

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