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Public speaking can increase anxiety and nervousness. Most of this stress caused over a presentation can be avoided if we are prepared ahead of time. What are some points you need to keep in mind before you can give an effective public presentation? Some main points we should be aware of are, our appearance, the audience, the place of the presentation and visual aids we use.

Appearance: You are the first thing your audience will see, even before you start speaking. Always remember that 90% of your message is non-verbal. Watch your body language, avoid distracting dressing style, bright gaudy colours or heavy jewellery. In short, look professional. Your head should be neatly pinned up or styled in such a way that you don not need to run your hands through it frequently. Avoid too much make up. If it is possible, always check your appearance in a mirror just before you start the presentation.

Audience: Collect background information about the group you will be talking to – such as what is the age group of the audience, gender whether all are males, all are females or a mix of the two. What is the knowledge, educational level and understanding level of the group. What is the objective of your talk and what does the audience want to know. Always keep in mind that your presentation should not make either the audience or yourself appear small or you try to display favoritism by making some members feel superior or others inferior.

If you are creating information products then you need more than one. In order to make a full income online you need multiple products. In this article I am going to discuss how to create your own product line.

Having just one product to promote to your prospects severely limits the amount of money that you can make. If you create multiple products and have a line of products that people can purchase then you build up your credibility and also the potential to generate more income.

The first product you create is probably the hardest but once you have done that then creating your own product line becomes much easier.

Whatever niche you are in there will be specific things that people will need help with. Being able to provide that help in the form of a product is the way that you can easily create your own product line.

The best way to find out what types of products will sell is to communicate with people who are most likely to want your help. Therefore you should target your marketing efforts towards people who have an interest in your particular niche.

Find out where those particular people are congregating online and then get involved yourself. One of the best ways to begin an ongoing relationship with potential customers is to create an email campaign and encourage them to sign up to your list.

You can then begin to build up your relationship and communicate with them through emails. If you develop an interactive email campaign then you have a great opportunity to find out and discover exactly what the needs are of people on your list.

This is really important as it enables you to find out exactly the kind of products that you can create in the future. When someone purchases your first product then again nurture that relationship and find out what other things that customer is finding difficult and what help they would benefit from having. This again will give you another idea of products to create that will be suitable for your existing customers.

If you use your subscribers and your existing customers as a source of product ideas then it becomes far easier to develop your own product line and to encourage repeat buyers.

Once you have multiple products you can test to find out which ones convert the best and which products are purchased in which order. This will enable you to set up a product funnel that you can put into your auto responder email campaign so that you can promote your funnel on autopilot.

When you are swamped with debt finding the right tool to get relief isn’t always easy. Once you do find an option you feel suits your financial needs, executing it can be even more stressful. One common debt management path people choose is debt negotiation. Negotiating with creditors is no easy task and many people find the process to be frustrating. However, there are a few ways to ensure you approach debt negotiations the right way and hopefully maximize your chances of successfully obtaining a deal.

Communication

Whether negotiating with the IRS or a credit card company, it is important to remember that they hold most of the power to negotiate. After all, your debts are your responsibility and a creditor is not legally obligated to negotiate with you. This is not to say that you have little power of influence. The most important aspect of debt negotiation is open communication. You need to maintain a consistent line of communication throughout the process in order to better navigate a deal. It is best to try and work with one person directly during the process, which means that you need to get their name and direct contact phone number. You have a far better chance of success when letting only one person handle your account.

Another important aspect of communication is your tone. Never be abusive or threatening with a creditor when trying to negotiate. Even if the creditor appears stubborn or unwilling to help, it is important that you keep your cool. It isn’t uncommon for one person to write a note in your account stating the nature of a conversation for other people within the company to see. If you attempt to speak with someone higher up after you have lost your temper, you may find just as much resistance as before. Remember that staying calm and offering a pleasant tone of voice is your best ally.

When attempting to negotiate a repayment plan with your creditor it is important that you are honest about your situation. You need to paint a picture of your financial situation to demonstrate your need for assistance with your debts. There is no need for extremely personal information or explanations, but it is important to explain why you cannot meet your debt payments as expected. If you have lost your job or suffered a medical illness, offer to provide documentation to the creditor to demonstrate your unexpected circumstances.

Proposal

A great tool that many people forget about in debt negotiations is to prepare a proposal before you talk with the creditor. Organize your finances and determine how much you can realistically pay each creditor per month. Write a letter explaining your financial situation and the proposed payment plan that suits your budget. You may also find better success if you offer to have your payments automatically drafted out of your account each month. Creditors appreciate such organization and dedication to debt payments, which will win you favor in their eyes.