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Deer-in-the-Headlights

Written by admin on Jan 12th, 2010 | Filed under: online-business

Deer in the Headlights

People who make their living researching what frightens people the most have made a pretty amazing discovery. Consistently when people list the top five things they are afraid of in life, they have are some pretty intimidating terrors. But you would think that death would rank number one on that list. But death doesn’t take number one, it has to settle for number two. Amazingly, the number one thing that terrifies most people is not death, it is public speaking. A popular comedian once said that this means that people would rather be the guy in the casket at a funeral than the guy giving the eulogy.

If you have ever been in a meeting listening to a speaker, you can usually tell if they are terrified. They will get up there and you will see that “deer in the headlights” look. You know that look. It is one of extreme fear, panic, and terror so profound that the person is frozen in place unable to speak of move. And if you have ever been that guy or gal in front of a group giving the “deer in the headlights” look, you know the feeling of terror that happens in front of a group of people can be pretty awful.

So if you know that public speaking is going to be part of your job or something you have to regularly, you have to find a way to neutralize that fear and be able to relax in front of a crowd when you speak. How often have you sat and listened to a speaker who was relaxed, funny, bright and even able to field questions with no difficulty at all? It’s easy to admire that kind of public speaker and think that he or she has some magical powers that you will never get. But they don’t have magic. That speaker has just learned some techniques for neutralizing those fears so he or she can appear relaxed and as though he or she is having fun up there. It’s not an inborn talent. It’s a skill which can be learned.

Of course a lot of the ability to look out at a sea of faces who want to hear what you want to say and not feel sick comes from experience. But experience teaches you things that you can at least understand before you become an old pro at public speaking. One of those things is that the crowd out there doesn’t know what to expect. If you broke down why you feel terrified in front of people, it’s that you think that they think they know what they want and that you are being judged.

But to understand what people really expect when they are looking at you at the podium on stage, just remember the last time you heard someone speak. You had no predefined idea what was about to be said and you probably had no outline or any frame of reference what that speaker was going to say. That means that even if you don’t deliver your speech perfectly, they will never know that! As long as you don’t let on that you are nervous or not sure about your material, they won’t know if you got it wrong. If you forget an entire segment of your speech, as long as what you do say flows nicely and they never know you forgot it, the people listening will think your speech was just fine and will probably applaud.

Also remember that you are not really speaking to a group. The group has no ears. You are speaking to several individuals. When you are listening to a speaker, you are one person listening to one person. That is how each person in that audience is receiving you, as individuals. So if you speak to them as though they are one person, not a crowd, your presentation will be warm and personal and very successful. And the crowd will like you to which helps a lot.

Just remember that their expectations of you are fairly low and for the most part, people hearing you speak want you to succeed. So smile at them, use a bit of humor and use that little insider tip to relax up there. And when you can relax, you can actually have fun at public speaking rather than wishing you were the guy in the casket instead.

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Student-Loans-Should-be-Last-Resort

Written by admin on Jan 9th, 2010 | Filed under: online-business

Student Loans Should be Last Resort

Student loans are both a blessing and a curse to college students all across the country. On one hand, student loans allow you to have the money you need in many cases to attend college at all. On the other hand, most college students, particularly those entering college for the first time have inflated opinions of their starting salaries upon graduation and the bills they will face while living in the real world. In fact, most freshmen college students have no real concept of the limits of money in which to base their decisions as to whether or not they can realistically expect to repay those funds once they’ve graduated college.

The sad truth is that many college graduates find that for the first 10-15 years after they have graduated college, they are essentially indentured servants to their student loan debts. There are many reasons for this and different college graduates will find different things about their student loans when the appropriate time comes. First of all, those taking out student loans need to understand that a college degree does not guarantee a high starting salary. Beyond that, a college degree is no guarantee that there will be employers lining up to take your name and number upon graduation. The truth is that most college grads take anywhere from 6 months to a year to find a job in their fields and even then the starting salaries are often far less than anticipated.

Part of the blame for over-inflated expectations is the fault of universities attempting to validate their high tuition rates by displaying average starting salaries of only those that have successful offers in the field of study immediately upon graduation (which usually indicates a history of working with the company or another company as an intern prior to being hired) and not those students who have no prior work experience in their chosen fields. Part of the expectations is students reading job advertisements for experienced workers in a field and assuming that an education will provide the experience that employers require. Regardless of the reason, most starting salary expectations are not realistic in light of the current market.

The problem is that for many students a student loan is the difference in receiving a college education or not receiving one. For these students, there is no option. The price they will pay (with interest) for having student loans in order to get through the educational process will repay itself over the course of a lifetime if they are wise about making the necessary payments and stay on top of things such as consolidation loans and making payments on time.

Student loans are a great tool for those who have no other options when it comes to attending and affording to attend a university. On the other hand, for those who do not have an absolute need for the funds a student loan can provide they can prove to be problematic when trying to establish your career and your lifestyle upon graduation. This is a tool for education that should be used sparingly at best.

Whether or not you choose to take out student loans in order to fund your college education it is a good idea if you exhaust all other available resources first. Check out your options for grants, scholarships, and work-study programs before leaping into student loans to pay for your education.

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