3 Presentation Peeves: Add Them to Your Resolution List

Pet peeves. Those mundane (yet infuriating) habits that get under your skin and drive you crazy! We all have them. Perhaps your pet peeve is drivers who don’t use turn signals. No? How about someone cracking their knuckles… or noisy eaters? Admit it, you’ve got at least one.

As 2012 comes to a close, I’d like to share three of my pet peeves — presentation peeves, of course! Each is remarkably easy to fix and each an ideal resolution for sharpening your skills in the coming year – transforming a presentation peeve into presentation presence.

#1. Avoid the weak “thank you” opener.

Picture a speaker being introduced. She walks on stage, shakes hands with the emcee, turns and faces the audience, and the first words she utters are, “Thank you, John, for that gracious introduction.”

There’s no need to express thanks to the audience before you begin. They want – and deserve – a much stronger opening, one that grabs their attention and sets the expectation that you are a speaker worth listening to.

Offer sincere thanks to the emcee when you shake hands, and you’re ready to start off on a powerful note.

#2. Button up.

Men, want to know the secret to looking trim, confident and well dressed? Simple: button your jacket! Whether you’re wearing a suit and tie or a sport coat with a collared shirt, button up before you hit the stage. Though no one may criticize your open jacket, buttoning up enhances your credibility and presence. Just look at Jay Leno, David Letterman or Tom Bergeron – they are all buttoned up.

Because women’s fashions vary so widely, buttoning up is optional for female speakers. It really depends on the cut of your jacket and the image it will project. Some fashion-forward blazers or suit jackets were not designed to be worn buttoned up, but if you’re wearing a traditionally cut pantsuit or skirted suit, you will look more polished if you do.

Hint for both genders: Make sure your jacket fits properly when buttoned. If you can’t button it, don’t buy it or eliminate it from your on-stage wardrobe. The Susan Bixler and Nancy Nix-Rice, book The New Professional Image is a good resource for questions about appearance in the workplace. Although published in 1997, it is still relevant today.

#3. Wait till you see the white of their eyes.

Here’s a real pet peeve of mine. Have you ever noticed a presenter approach the front of the room and begin speaking before they even turn to face the audience? This seems to have become the norm rather than the exception.

Want to set yourself apart from the crowd? Whether a conference room, board room or main stage, turn and face your audience, greet them with a smile, and take a moment to breathe before saying a word. In Speak Like Churchill, Stand Like Lincoln, author James Humes refers to this as a power pause. Your power pause will establish your presence and give you the confidence of a leader.

There you have them… three ridiculously easy ways to increase your confidence and enhance your presentation presence. High-stakes speaking success in 2013 and beyond doesn’t get any easier than that.

What Are The Different Factors That Affect The Personal Loan Interest Rates

They are multi-purpose loans, and the process of repayment is swift. It is an unsecured loan, which means you need not keep any collateral or security.

They are famous for covering unexpected expenses. However, since there is no security requirement, the interest rates are higher than secured loans such as home and vehicle loans. As a result, before applying for a Personal Loan, you should be aware of the different factors influencing its interest rates.

Income

If you show your financial stability, you get better interest rates on a Personal Loan. The less likely you fail to repay the loan, the higher your income. The loan provider considers you reliable if your income is higher.

Credit history

Any default on your existing loans gets reported to the credit bureau by the lender. Every timely payment, on the other hand, impacts the credit report beneficially. Your credit history remains good if you are consistent with your payments. This way, your benefit from a cheaper Personal Loan rate of interest.

Employer’s reputation

When you work for a reputable company, you are considered a safe employee with a stable job and a stronger ability to repay the obligations. The loan interest rates lower if your employer has a good reputation and is stable.

Employment nature

Your job type has a massive impact on the Personal Loan rate of interest. The rates for salaried employees and self-employed business owners are vastly different.

Debt-to-income ratio

If you already have many outstanding loans and credit cards, the Equated Monthly Instalments (EMIs) you pay to settle these debts consumes a significant percentage of your income. You get classified as a high-risk individual in such circumstances. It affects not only the interest rate you pay but also your Personal Loan eligibility.

Relationship with the lender

Existing Savings Accounts, Credit Cards, other loan accounts, Fixed Deposits, and other forms of loyalty to lenders increases your chances of receiving more bonuses and incentives. Use this existing relationship to persuade the lending firm not to lose you to a competitor. When you apply Personal Loans, it assists you to get competitive interest rates.

Best Presents

Regardless of the occasion, men usually find it hard to know what to buy the women in their lives during Christmas, Valentine’s Day, anniversaries and birthdays; men always struggle on the idea of gift-giving, especially for their significant others. But on the contrary, women are typically easy to please and easy to buy for. Here are a few of the best presents and gift ideas for women that can never go wrong.

Cashmere is Always Nice

Giving anything cashmere is like walking on safe ground. Although it can be a little expensive to buy her a cashmere sweater, there are smaller articles from cashmere that are less expensive but are just as luxurious. Small things such as a cashmere scarf, gloves, shawl, a wrap, socks or slippers will be very much appreciated. But be careful that you get 100 percent cashmere and not a fake, wool blend.

Bath and Body Stuff

Majority of women adore both and body products that make them feel or smell good. If you have no idea about such products, the best presents almost always sound or like something you would like to put in your mouth – gingerbread, candy, vanilla, and chocolate. All you need to do is to read the labels.

A Watch

Giving a woman a watch is always a good gesture. Even if she already has one, keep in mind that all women need more than one, in almost anything. If the watch that she is currently using is a bit sporty or is really intended for a day to day, rugged use, you can buy her a dressy watch to wear for special occasions and for formal dates. If she already has a fancy watch, go for something more “fun”.

Cosmetics and Fragrance

One of the best presents that you can give a woman is something that will make her feel and look beautiful. There are a lot of cosmetic and fragrance gift sets available and women love getting these. Even if they do not wear that much make up, there is always that one product that they fancy – a moisturizer or a bottle of perfume, perhaps.

Jewelry or Pearl

Another member of the best presents that you can give a woman is a set of elegant pearls. Pearls, such as earrings, necklaces or bracelets are a timeless gift that would make any woman happy to receive. But be careful in giving away jewelry and pearls, they should be of good quality. Pearls should be cultured, and not just a cheap imitation and preferably a graded AA quality, at the least. Any piece of jewelry or pearls is a classic gift that all women can wear in a formal function.