The COVID-19 crisis highlights a golden rule of investing

first_imgThe COVID-19 crisis highlights a golden rule of investing  Michael Baxter | Wednesday, 4th March, 2020 I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Pity the individual who chose to begin their investment journey a few weeks ago. Especially pity them if they had a big lump sum and invested it all. Don’t get me wrong, I’m sure the markets will recover, eventually. But this situation does illustrate a golden rule of investing — never throw all your money at the stock market in one go.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Actually, on thinking about it, I would not pity an investor who has just begun their investment journey if they had followed this rule — I would envy them.  The markets have further to fallAlready we have seen a share rout, followed by a mini recovery, and then further falls. The mini recovery saw many conclude that shares had hit bottom, that ‘now was a time to buy.’Such false dawns are common occurrences during stock market crises. The infamous 1929 crash saw many short-lived recoveries which tempted shareholders back in.COVID-19 is spreading exponentially. It makes most of us nervous about our own health and the health of loved ones — is that a seasonal cold, or the dreaded virus? We wouldn’t be human if those thoughts didn’t cross our minds every time there’s a sneeze. I believe the markets are underestimating the likely spread of the virus and its economic impact. They always are lousy at judging something that changes exponentially. Maybe it’s in our genes — Ray Kurzweil, the famous futurologist and Google’s Director of Engineering has said that our evolutionary past means we have no instinctive understanding of exponential — we might get it intellectually, but not in our gut. As the virus spreads, we will change our behaviour, employers may eventually become more nervous about workers spreading the virus than about lost production, and markets will fall a lot further.As for predicting the recovery, getting the timing right is nigh on impossible.Diversify over timeThat is why diversification over time is so important. If you plough all your money into stocks in one go, you risk timing your investment with stock market falls. Sure, if you sit tight you will probably regain your money eventually, but you can do better.If, instead, you drip feed your money into the market — say once a month for three years, or once every three months, you are limiting the risk while increasing the chances that that you will benefit from a recovery.Three different situations, same responseLet’s say that you were savvy enough to have liquidated your portfolio at market peak, you have a lump sum for some other reason, or you invest a proportion of your income every month.I would say spread out your investment over three years. If you invest a proportion of your income every month, then relax, you are following that strategy by default.Follow that approach and just as investment losses occur on the falls, profits will accrue on the rises.  Image source: Getty Images. Views expressed in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Simply click below to discover how you can take advantage of this.center_img Our 6 ‘Best Buys Now’ Shares See all posts by Michael Baxter I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. “This Stock Could Be Like Buying Amazon in 1997” Enter Your Email Address Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee.last_img read more

Neil Woodford: 4 lessons for UK investors from his failed fund

first_imgNeil Woodford: 4 lessons for UK investors from his failed fund Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Cliff D’Arcy | Friday, 4th June, 2021 Image source: Getty Images See all posts by Cliff D’Arcy Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Learn how you can grab this ‘Top Income Stock’ Report now Simply click below to discover how you can take advantage of this.center_img Our 6 ‘Best Buys Now’ Shares We think that when a company’s CEO owns 12.1% of its stock, that’s usually a very good sign.But with this opportunity it could get even better.Still only 55 years old, he sees the chance for a new “Uber-style” technology.And this is not a tiny tech startup full of empty promises.This extraordinary company is already one of the largest in its industry.Last year, revenues hit a whopping £1.132 billion.The board recently announced a 10% dividend hike.And it has been a superb Motley Fool income pick for 9 years running!But even so, we believe there could still be huge upside ahead.Clearly, this company’s founder and CEO agrees. The Motley Fool UK’s Top Income Stock… Enter Your Email Address Seven years ago, in 2014, the UK investment world suffered a seismic shock. Star fund manager Neil Woodford was leaving Invesco Perpetual to branch out on his own. At that time, Woodford was the UK’s #1 fund manager, likened to famed US billionaire Warren Buffett for his stock-picking skills. But going it alone was Woodford’s worst mistake.Neil Woodford: star fund managerNeil Woodford joined investment manager Perpetual (later Invesco Perpetual) in early 1988. Over the next 26 years, he became the UK’s most successful money manager. At his peak, he controlled as much as £33bn across up to six different funds. During his reign, £1,000 invested in the Invesco Perpetual High Income fund skyrocketed to be worth around £25,000. Woodford’s success came from buying mostly FTSE 100 stocks — typically companies with solid balance sheets, rising earnings, and fat dividends.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…I will declare an interest here. From 1996/97 until around 2012/13, my wife was an investor in Neil Woodford’s flagship Invesco Perpetual High Income fund. Over this period, it was the best-performing UK equity fund by far. Thus, I was delighted with my advice to my wife to back Woodford.Woodford Investment Management: downfallIn May 2014, Neil Woodford launched Woodford Investment Management (WIM), his own fund manager. Eager investors rushed to invest in the Woodford Equity Income (WEI) fund. In its first year, WEI gained 19.6%, triple the UK market’s return. Within three years, Woodford was managing £18bn. But then his star came crashing back to earth. Over the next two years, WEI became the worst-performing fund in its sector. With money flooding out from WEI through hefty withdrawals, WIM ‘gated’ (suspended) the fund on 4 June 2019, exactly two years ago today. Here are four lessons for all investors from Neil Woodford’s downfall.Four lessons from Woodford’s failure1) Stick to your strategy: Woodford made his name buying established, high-yielding dividend shares, and ‘value’ stocks. At WIM, he plunged headlong into start-ups, smaller companies, unlisted stocks, and private companies. Few of these go-go growth stocks paid any income, so Woodford was well out of his depth. Big mistake. As Warren Buffet says, “Never invest in anything you don’t understand”.2) Higher returns mean higher risks: Woodford’s initial success at WIM came from buying big stakes in small companies. This juiced his returns in the early years. But these higher returns came with higher volatility and risk of loss. When these companies stumbled, so too did WEI. Thus, I avoid skewing my portfolio too much towards one company or sector. Instead, I spread my risk by diversifying widely.3) Don’t fall into a liquidity trap: With many billions to invest, Woodford ended up putting way too much money into ever-smaller companies. His stakes in unlisted, unquoted, and private companies were extremely difficult to sell because of their lack of liquidity. Faced with selling shares in a hurry at steep discounts, Woodford was caught in a liquidity trap. This eventually led to his WEI fund being suspended two years ago today. 4) Beware of concentration risk: Chasing market-beating returns, Woodford bought large stakes in a select few companies. Frighteningly, WEI often owned more than a quarter (25%+) of some companies. Highly concentrated portfolios can produce bumper gains, but may also blow up spectacularly. That’s why I keep my portfolio highly diversified by spreading my eggs globally. It easier to sleep at night! I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.last_img read more

Huge Wallaby defence vs France in 2004

first_imgTuesday Apr 1, 2008 Huge Wallaby defence vs France in 2004 Not too long ago we posted a clip of the huge All Blackdefence rocking the Wallabies from a few years back.This time, it’s the Wallabies doing the hard graft against France in Paris in 2004, showing us exactly how it’s done.In the early stages of the game, they manage to get a huge psychological edge over the opposition by putting in some huge, impenetrable offensive defence. Gang tackling, and pumping the legs to drive players back, this type of defence can be soul destroying, especially so early on in the game.Note how France actually go backwards, particularly after tigerish Phil Waugh’s big tackle. ADVERTISEMENT Posted By: rugbydump Share Send Thanks Sorry there has been an error Related Articles 81 WEEKS AGO scottish prop saves fire victim 84 WEEKS AGO New Rugby X tournament insane 112 WEEKS AGO Vunipola stands by his comments supporting… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedDoctors Stunned: She Removes Her Wrinkles With This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living10 Types of Women You Should Never MarryNueeyShe Was the Most Beautiful Girl in the World. What She Looks Like Now is InsaneNueey30+ Everyday Items with a Secret Hidden PurposeNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel ADVERTISEMENT Trending 6 DAYS AGO HUGE controversy sees Borthwick call Pat Lam a liar during heated Prem clash 5 DAYS AGO Melbourne Rebels do their best to wreck Bryn Gatland 4 DAYS AGO Lam’s explanation of bizarre situation that caused heated touchline argument 5 DAYS AGO François Steyn’s ridiculous 60-metre drop goal which left commentators in hysterics 5 DAYS AGO The time Waisale Serevi used his iconic hitch-kick to carve up Scotland in 2000 Great Tries 5 DAYS AGO Eye-opening compilation shows why Taulupe Faletau could harm Springboks this Summer 5 DAYS AGO The time Waisale Serevi used his iconic hitch-kick to carve up Scotland in 2000 1 WEEK AGO Veainu finishes superb try after octopus style offload from Waisea 2 WEEKS AGO FULL MATCH REPLAY: Huge stars on show when All Blacks host Pacific Island XV in 2004 2 WEEKS AGO WATCH: Hooker produces ridiculous speed to score 60-metre wonder try for Hurricanes View All Big Hits & Dirty Play 1 DAY AGO Awesome new Etzebeth montage will have Springboks fans psyched for Summer Lions tour 5 DAYS AGO Melbourne Rebels do their best to wreck Bryn Gatland 5 DAYS AGO Eye-opening compilation shows why Taulupe Faletau could harm Springboks this Summer 5 DAYS AGO Re-live O’Driscoll’s EPIC try-saving tackle in 2003 RWC quarter-final 1 WEEK AGO AWESOME video shows the very biggest and best tackles of the 2020/21 season View All See It To Believe It 4 DAYS AGO Cheetah racer Habana reveals what was actually going through his mind that day 4 DAYS AGO Lam’s explanation of bizarre situation that caused heated touchline argument 5 DAYS AGO François Steyn’s ridiculous 60-metre drop goal which left commentators in hysterics 5 DAYS AGO Re-live O’Driscoll’s EPIC try-saving tackle in 2003 RWC quarter-final 6 DAYS AGO HUGE controversy sees Borthwick call Pat Lam a liar during heated Prem clash View All Funnies 2 WEEKS AGO Joe Marler elated in special interview as fans return to The Stoop 2 WEEKS AGO WATCH: One of the luckiest and most bizarre tries you will EVER see 2 WEEKS AGO WATCH: Reds players caught out in hilarious celebration blooper vs Chiefs 2 WEEKS AGO WATCH: Faz, Piutau and Burns star in hilarious try fail compilation 4 WEEKS AGO MLR: Giltinis howler sees try overruled despite attempts to celebrate View All Amateur 32 WEEKS AGO Viral video of Scottish club brawl goes down a storm with rugby community 69 WEEKS AGO RUGBYDUMP BLITZ: This Best of the Week round up is sure to entertain you 69 WEEKS AGO RD BLITZ – Disaster, just when it looked so promising… 69 WEEKS AGO That glorious moment that will live on forever, like it or not 69 WEEKS AGO RD Blitz – PROP’S Lionel Messi wizardy creates incredible try View All Player Features 16 WEEKS AGO WATCH: Bumping off tacklers and taking high balls, Rob Kearney had an impressive Super Rugby debut 21 WEEKS AGO Brian Moore on money in modern rugby and how it should never be compared to ‘outlier’ football 22 WEEKS AGO Tuisova’s wrecking ball montage will make you grateful you never made it as a pro 28 WEEKS AGO New Zealand rugby pod admit Owen Farrell is world class 29 WEEKS AGO WATCH: Bath prop launches Amazon documentary focused on those from non-traditional backgrounds View All Related Content from the RugbyPass Network ‘What you do today is how you’re going to be remembered’: Spirit of Rugby – Ep 5 In Spirit of Rugby episode 5, Jim Hamilton talks Lions with Matt Dawson, Jeremy Guscott, Rob Kearney, Simon Shaw, Tom Croft and John Bentley. Watch: Reforging the Steelers | Episode 2 | RugbyPass Original Documentary In Episode 2 of Reforging the Steelers, we follow the team through rounds two to four as they try to get their season on track after an opening loss to competition powerhouses Tasman. ‘I’d pent-up frustration, a lot I probably didn’t realise’: Marcus Watson’s emotional Wasps return Set to turn 30 later this month, Marcus Watson had an early birthday present last weekend when he finally made it back into the Wasps XV. Gavin Coombes grabs four tries as Munster easy to victory over Zebre Gavin Coombes scored four tries at Zebre as Munster secured second place in the northern section of the Guinness PRO14 Rainbow Cup. Leinster finish with Rainbow flourish as fans attend RDS for first time in 16 months Retiring duo Scott Fardy and Michael Bent bowed out on a winning note as Leinster finished the Rainbow Cup with a victory over Dragons. Final round of the Gallagher Premiership hit by a second match cancellation The final round of the Premiership lost the Worcester-Gloucester match on Tuesday and now Bristol versus London Irish is off. Huge Wallaby defence vs France in 2004 | RugbyDump – Rugby News & Videos RugbyDump Home RugbyDump Academy Store About Contact Legal Privacy Policy Cookie Policy Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features RugbyDump Home RugbyDump Academy Store About Contact Sitemap Categories Latest Great Tries Big Hits & Dirty Play See It To Believe It Funnies Training Videos Player Features Legal Privacy Policy Cookie Policy Sign In Username or Email Password Stay logged in Forgot password Thank you for registering Click here to login Register Register now for RugbyDump commenting & enewsletter. * Required fields. Username * Password * Email * Password Repeat * Please send me news, information and special offers from RugbyDump By clicking register you agree to our Privacy Policylast_img read more

Moving House / Architects EAT

first_img Australia Moving House / Architects EAT 2016 Year:  ArchDaily Moving House / Architects EATSave this projectSaveMoving House / Architects EAT Products used in this ProjectAluminium CompositesSculptformAluminium Click-on BattensSave this picture!© Derek SwallwellText description provided by the architects. Moving House is a new residence in Kew, Victoria. The external white aluminium screen forms a singular mass in the outline of a suburban gable roof, subtly referencing the immediate neighbours in both form and colour, while the internal spatial volume is defined by the 3 repetitive in-situ concrete vaults.Save this picture!SectionThe external screen holds in suspension the visitors’ first experience of the house – as one passes along the façade towards the entry, it deconstructs to reveal the concrete bodies in a journey of discovery and surprise. The entry sequence finishes in a recess, with raw concrete beams cantilevering out to provide partial shades and refuge, hanging plants from the gutter and grasscrete paving below – all in an Arcadian setting before reaching the Corbusian green door and a finely turned timber handle.Save this picture!© Derek SwallwellThere is no interior narrative sequence but rather a cavernous volume that receives direct northern daylight that changes by the hour and season, or nuanced indirect ambience light on the curve of the textured north facing vaults. These repetitive roof geometries are supported by in-situ off form blade columns, articulating structural clarity and compositional method.Save this picture!Ground Floor PlanThe interior is fully glazed to the east with bi-fold doors and windows with in-situ concrete seats, so that in fine weather it can be fully opened up to the garden, allowing exposure and interaction with the outdoor space. Cross ventilation is also aided by these openings together with the glass louvres at the height of clerestory in the vaults.Save this picture!© Derek SwallwellThis project further represents our continuous interest in phenomenology and experiential journey in architecture and design.Don Norman talks about design experiences: Visceral experience stands for immediate experience, rather than use or consideration; Behavioural experience stands for experience of the product’s functionality based on use; Reflective experience stands for experience based on close consideration.Save this picture!ModelIn this project, we’ve orchestrated the above 3 experiences from the very moment one first take notice by their eyes of the blue front gate, treading through grasscrete with morning dews wetting their shoes, touching the smooth timber entry handle by their hands, bathing in light shafts from the vault windows on their skin, and gentle breezes from the cross ventilation through their hair…Save this picture!© Derek SwallwellThis project exemplifies what can be achieved by careful orchestration of spaces, manipulation of lights, choreography of materials and tactility.Save this picture!First Floor PlanIf the white metal grille defines the visual character of the house from the outside, inside it is the tone and texture of concrete that captures the imagination. On the ceiling, the concrete has been left raw and unpolished, inviting the eye to explore its variations in pattern and colour; on the floor, it is polished and sealed. The effect of so much concrete is anything but heavy or oppressive – the way it has been shaped is delicate, nonlinear and playful; it all adds up to a structure that appears sculptural and light.Save this picture!© Derek SwallwellProject gallerySee allShow lessSchool + Hospital Bucharest 2017: Building Education and Building Health ForumsConferenceAtelier Global Wins Competition to Design ‘Book City’ in ShenzhenArchitecture News Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/877531/moving-house-architects-eat Clipboard Photographs Photographs:  Derek Swallwell Manufacturers Brands with products used in this architecture project Manufacturers: Sculptform, Breezway Products translation missing: en-US.post.svg.material_descriptioncenter_img Save this picture!© Derek Swallwell+ 14 Share “COPY” Architects: Architects EAT Year Completion year of this architecture project Houses CopyAbout this officeArchitects EATOfficeFollowProductsSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesKewMelbourneSkylightAustraliaPublished on August 14, 2017Cite: “Moving House / Architects EAT” 14 Aug 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogSinkshansgroheBathroom Mixers – FocusGlass3MGlass Finish – FASARA™ Fabric/WashiPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WoodParklex International S.L.Wood Finishes in Landaburu BordaSinksBradley Corporation USASinks – Frequency® FL-SeriesMetallicsTrimoFire Resistant Panel – Trimoterm FTVSkylightsVELUX CommercialModular Skylights – Northlight 40-90°SinksAcquabellaSink – LeviCurtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalWoodBlumer LehmannData Processing for Wood ProjectsPorcelain StonewareCeramiche KeopeCeramic Tiles – EvokeChairs / StoolsBassamFellowsSpindle Chair and StoolMore products »Save想阅读文章的中文版本吗?光墙是空间最好的分割:Moving House / Architects EAT是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream CopyHouses•Kew, Australia ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/877531/moving-house-architects-eat Clipboard “COPY” Projectslast_img read more

Guild Mortgage Names David Battany as EVP of Capital Markets

first_img Community News Top of the News Guild Mortgage Co., one of the fastest-growing independent mortgage banking companies in the U.S., has named David Battany as its new executive vice president of capital markets.Battany has more than 30 years of experience in the mortgage industry. He was executive vice president of product strategy for PennyMac (NYSE: PFSI) for the past three years and previously served in leadership positions with Fannie Mae for 12 years.Mary Ann McGarry, Guild president and CEO, said the addition of Battany fits with Guild’s long-term growth strategy to develop new products and expand in existing markets as well as new markets across the nation. He joins Guild on May 15.“David’s long experience with strategic product development, with trading and hedging, combined with his intelligence, thoughtful approach to strategy, and strong ethics all make him right for Guild,” said McGarry. “We are excited that he has decided to join us in this new position as EVP of capital markets and lead Guild into new areas of growth.”At PennyMac, the largest non-bank correspondent lender in the country, Battany was responsible for relationships with Fannie Mae, Freddie Mac and other government agencies, mortgage insurance companies and trade associations. He led new product strategies and successfully implemented 12 major new products to support company retail and corporate business objectives.At Fannie Mae, Battany was most recently its director of single-family business and managed lender relationships. He has been active in industry organizations, including serving on the boards of the Mortgage Bankers Association and the California Mortgage Bankers Association.“In addition to being impressed with their rapid growth the past few years, I was attracted to the quality of the people and culture at Guild,” said Battany. “They have a customer service culture that resonates throughout the organization. This has helped them grow, even during a year when the industry declined by some 40 percent. Their focus on purchase mortgages is also a key to their success and stability.”Guild closed $1.27 billion in mortgages for March 2015, the first time it has closed more than $1 billion in mortgages in any single month. Its 2015 first quarter total of $2.85 billion was the highest quarter in its history, up 132 percent from the $1.28 billion recorded in the first quarter of 2014.The strong quarter follows record results for Guild in 2014. Volume reached $7.4 billion, up from $7.0 billion in 2013. Servicing reached $17 billion in 2014, up 30.1 percent from $13 billion in 2013. Guild was also stronger in purchase loans, with 83 percent of loans originated, versus 57 percent for the industry.Guild offers a traditional range of residential mortgage products and funds most of its loans, which provides consistency and also speeds approvals. Its loan professionals can serve the needs of any homebuyer, from helping first-time homebuyers achieve their dreams of home ownership, often through government loan programs, to providing jumbo loans and construction loans to permanent loans through its relationship with Mutual of Omaha Bank.About Guild MortgageGuild Mortgage Co. was founded in 1960 as a home financing company for American Housing Guild in San Diego, California. Guild broadened its range of services in 1972 by including resale mortgage financing. After decades of successful innovation and growth, Guild Mortgage Co. is now one of the fastest growing independent mortgage banking companies in the U.S. with more than 250 branch and satellite offices in 26 states and is licensed and approved to do business in 36 states. Guild generated loan volume of $7.4 billion and servicing volume of $17 billion in 2014 (Equal Housing Lender- Company NMLS #3274). More Cool Stuff Subscribe EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Make a comment Name (required)  Mail (required) (not be published)  Website  Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Your email address will not be published. Required fields are marked * Community Newscenter_img Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Business News HerbeautyTiger Woods’ Ex Wife Found A New Love PartnerHerbeautyHerbeautyHerbeautyShort On Time? 10-Minute Workouts Are Just What You NeedHerbeautyHerbeautyHerbeautyWeird Types Of Massage Not Everyone Dares To TryHerbeautyHerbeautyHerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeauty7 Most Startling Movie Moments We Didn’t Realize Were InsensitiveHerbeautyHerbeautyHerbeauty’First Daughters’: From Cute Little Kids To Beautiful Young WomenHerbeautyHerbeauty 11 recommended0 commentsShareShareTweetSharePin it First Heatwave Expected Next Week Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Business: Retail News Guild Mortgage Names David Battany as EVP of Capital Markets Former PennyMac and Fannie Mae Executive Joins May 15 From STAFF REPORTS Published on Thursday, April 16, 2015 | 2:20 pmlast_img read more

Tracking Hurricane Laura’s Impact on Homeowners

first_img Hurricane Laura made landfall near Cameron, Louisiana, in the early hours of Thursday, buffeting the coastline with winds estimated at 150 mph. Colorado State University hurricane expert Phil Klotzbach noted on Twitter that Laura tied for fifth place in terms of the 10 “strongest continental U.S. #hurricane landfalls on record (since 1851).” The storm has thus far killed seven people, including, as reported by CBS News, a 14-year-old girl and a 68-year-old man, and it left a path of damage and ruin across parts of Louisiana and Texas. As with so many disasters before, once the immediate danger of the storm itself is past, it will fall to many in its path to rebuild—including homeowners who have lost or seen their homes severely damaged.And in a year still reeling from the ongoing health and economic impacts of COVID-19, the road the recovery could be even more difficult.”I will tell you the damage was extensive,” Louisiana Gov. John Bel Edwards told CNN. “The wind speed was as promised. Right now I believe we got a break on the storm surge—about half of what was projected.”However, USA Today reported that National Hurricane Center storm surge specialist Jamie Rhome said that the center’s “initial analysis indicate it was as bad as feared in Cameron Parish.”According to the National Oceanic and Atmospheric Administration’s forecasts conducted last May, the 2020 hurricane season could produce 16 to 18 storms nationwide this year. That’s all the more troubling when you consider a recent survey finding that, while 86% of homeowners in high-risk states say they feel prepared for this year’s hurricane season, one-third haven’t taken any steps to actually prepare against storm damage.“While more than half of respondents say their homes could experience flood damage from a storm, 34% inaccurately believe that the damage would be covered by their home or renters insurance policy,” the report from ValuePenguin noted. It added that “over one-third were unaware that they would need flood insurance to protect their homes and possessions from a storm surge or heavy rains.”Many homeowners in high-risk areas also weren’t sure how much insurance they would need to be fully protected against hurricanes. More than 37% didn’t know if they had enough coverage. Moreover, 42% incorrectly estimated the average cost of repairing hurricane damage to be under $10,000 — significantly lower than the $42,000 average flood claim, according to the Federal Emergency Management Agency (FEMA).On the side of industry impact, servicers will be implementing industry playbooks established by previous storms in order to communicate with and assist impacted homeowners, as well as monitoring and dealing with damages to any REO properties. A CoreLogic forecast earlier this week, housing damage from Hurricane Laura could total more than $88 billion.“The coincidence of two catastrophes—a damaging hurricane season and the ongoing global pandemic—underscores the importance of the correct valuation of reconstruction cost, one of the core tenets of property insurance,” said Tom Larsen, Principal for Insurance Solutions at CoreLogic. “Homeowners, mortgage lenders, and insurers need to work together to ensure properties are fully protected and insured. CoreLogic data has found a correlation in mortgage delinquencies and catastrophes, which could point to a serious issue of underinsurance trends.”A.M. Best also emphasized the likely impacted on insurance companies’ balance sheets, with a Business Wire report on a new A.M Best commentary explaining that “reinsurance may help mitigate losses, but will challenge future risk management strategies, as loss-affected areas will see increases in reinsurance rates that are already hardening.” Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Share Save Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Tracking Hurricane Laura’s Impact on Homeowners About Author: David Wharton Servicers Navigate the Post-Pandemic World 2 days ago David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] Related Articles Servicers Navigate the Post-Pandemic World 2 days agocenter_img Tracking Hurricane Laura’s Impact on Homeowners Subscribe August 27, 2020 1,352 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Hurricane Laura hurricanes 2020-08-27 David Wharton Tagged with: Hurricane Laura hurricanes in Daily Dose, Featured, Foreclosure, Journal, Loss Mitigation, News The Best Markets For Residential Property Investors 2 days ago Previous: Competition Heats Up Amid Diminishing Inventory Next: Hurricane Laura Damage Estimates in the Billionslast_img read more

Main Evening News, Sport and Obituaries Wednesday December 2nd

first_img Facebook FT Report: Derry City 2 St Pats 2 Facebook RELATED ARTICLESMORE FROM AUTHOR DL Debate – 24/05/21 Main Evening News, Sport and Obituaries Wednesday December 2nd:Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/12/02newsweds.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Pinterest Previous articlePreparations proceeding for rollout of Covid vaccine in IrelandNext articleNew Deputy Principal appointed to Deele College, Raphoe News Highland Pinterest AudioHomepage BannerNewsPlayback Derry draw with Pats: Higgins & Thomson Reaction Twittercenter_img WhatsApp Twitter WhatsApp Journey home will be easier – Paul Hegarty Google+ By News Highland – December 2, 2020 Harps come back to win in Waterford Main Evening News, Sport and Obituaries Wednesday December 2nd Google+ News, Sport and Obituaries on Monday May 24thlast_img read more

Nearly 300 priests and clergy in Texas accused of sex abuse over decades

first_imgABC News(LAREDO, Texas) — Nearly 300 priests and clergy members of the Catholic dioceses in Texas were identified for alleged sexual abuse of minors.In total, 14 archdioceses and dioceses in Texas released their lists on Tuesday, making them the latest in a string of disclosures by Catholic Church bodies across the country. The Diocese of Laredo announced that there were no credible accusations in its region.All of the lists name the accused priests and clergy members as well as their assignments, but they differed in the amount details they disclosed about the alleged abuses, the timing of the abuse and whether they resulted in any disciplinary action.For example, The Diocese of Amarillo, which detailed the accusations against its priests, noted that one priest was the subject of 16 allegations.Gustavo Garcia-Siller, the archbishop of San Antonio, said that the “allegations of clerical sexual misconduct and mishandling of some of these cases by bishops are tearing the Church apart.”An official from the Archdiocese of Galveston-Houston noted that there were a total of 278 individuals with credible accusations included on the lists, but that it might seem like more because some names were included twice as those people moved between dioceses.Cardinal Daniel DiNardo, who leads the Archdiocese of Galveston-Houston and serves as the president of the U.S. Conference of Catholic Bishops, released a lengthy statement calling the release of the names “right and just.”“Our Church has been lacerated by this wound and we must take action to heal it,” DiNardo wrote in the letter.“These sins have done great harm to the victims of the abuse and have deeply wounded the body of Christ, the Church. Those victimized by clergy over the years need and deserve our prayers, outreach, and support,” DiNardo wrote.The Survivors Network of those Abused by Priests (SNAP) released a statement in which it said that naming the priests and clergy members was “at least one small step.” However, it also said it was “concerned that these lists might not be as transparent as promised.”The lists included all accused officials whose allegations were found to be credible but did not name others who had been accused. Here is a breakdown of the 14 regions that reported credible cases of abuse:-The Archdiocese of Galveston-Houston listed 42 priests credibly accused since 1950, including one whose recent allegations are currently under investigation. Its list did not include dates of the alleged abuses or when they were reported.-The Archdiocese of San Antonio named 57 priests whose alleged abuses dated back to 1941. Two priests — one alive and one deceased — who are the subject of active investigations were not included on its list.-The Diocese of Austin listed 22 priests credibly accused of sexual abuse. The list did not include dates of the alleged abuses or when they were reported.-The Diocese of Amarillo listed 30 priests credibly accused since 1950. The list did not include dates of the alleged abuses or when they were reported.-The Diocese of Beaumont listed 13 priests. The list did not include dates of alleged abuses or when they were reported.-The Diocese of Brownsville listed 14 individuals credibly accused since 1965. The list did not include dates of alleged abuses or when they were reported.-The Diocese of Corpus Christi listed 26 priests. The list did not include dates for the alleged abuses or when they were reported.-The Diocese of Dallas listed 31 priests since 1950. The list did not include dates of the alleged abuses or when they were reported.-The Diocese of El Paso listed 30 priests credibly accused since 1950. The list did not include dates of the alleged abuses or when they were reported.-The Diocese of Fort Worth listed 17 priests accused of wrongdoing since 1969. The list did not include dates of the alleged abuse or when they were reported.-The Diocese of Lubbock listed five priests credibly accused since it was created in 1983. The list did not include dates of the alleged abuse or when they were reported.-The Diocese of Tyler listed one priest credibly accused since 1987. The list did not include dates of the alleged abuse or when it was reported.-The Diocese of Victoria listed three priests credibly accused of sexual abuse. The list did not include dates of the alleged abuses or when they were reported.-The Diocese of San Angelo listed 13 priests credibly accused of sexual abuse since it was created in 1961. The list did not include dates of the alleged abuses or when they were reported.There are now at least 16 jurisdictions across the country that have launched investigations into clerical sex abuse following the release of a Pennsylvania grand jury report detailing the alleged cover-up of decades of abuse by hundreds of Catholic priests. There is no active investigation in Texas and the state’s Attorney General told ABC News that it stands ready to assist local prosecutors if any requests are made.There are ongoing investigations in Arkansas, Delaware, Florida, Illinois, Maryland, Michigan, Missouri, Nebraska, New Jersey, New Mexico, New York, Pennsylvania, Vermont, Virginia and the District of Columbia, as well as with the Archdiocese of Anchorage in Alaska. Spokespeople for several other attorneys general offices told ABC News that their offices were reviewing options and considering taking similar actions.Copyright © 2019, ABC Radio. All rights reserved.last_img read more

On-line shopping trend

first_img Previous Article Next Article On-line shopping trendOn 8 Aug 2000 in Personnel Today Comments are closed. Related posts:No related photos. At present only 2.8 per cent of shoppers buy their records on-line with 2.5 per cent buying books this way. But within five years increases to 13.9 per cent and 13.5 per cent respectively are predicted, according to Skills for Tomorrow’s High Street.The report, commissioned from the Henley Centre by London Skills Forecasting Unit, also found that 12.6 per cent of people booking a holiday will do so on-line by 2005, compared with 2.3 per cent now.The report urges retailers to train staff in IT literacy and numeracy in order to compete.• 020-7648 4650, www.skills-unit.comlast_img

In the spotlight

first_img Whether it be pitching an idea to your team or giving a speech to a few thousand people, good presentation and public speaking skills are essential. Here we explain the techniques for winning hearts and mindsThe human brain is a wonderful thing,” remarked the industrialist Sir George Jessel. “It starts working the moment you are born and goes on working until the day you are asked to stand up and speak.”Anyone who has ever made a speech at a friend’s wedding, let alone in an aggressive commercial context, can testify to the truth of this. Indeed, recent research conducted by Aziz Corporation demonstrates just how vulnerable many senior executives feel when asked to get up on their hind-legs. Seventy-four per cent of the directors canvassed in the survey claimed that the prospect of presenting to a large business audience was more daunting than any other business activity. Yet almost all recognised the importance of mastering the necessary attributes. Over half of those who took part rated good presentation/public speaking skills more highly than either intelligence or getting on with their manager.The survey shows there is a yawning gap between the silver-tongued advocates we would like to be and the present reality. In fact, most of those canvassed claimed that despite the clear need for such skills, there has been no obvious improvement in the standards of verbal communication in recent years.This is, of course, is music to the ears of the growing number of professional public speaking coaches and presentation experts targeting the business community. And the message they are trumpeting is that effective public speaking is a skill that even the most diffident and withdrawn characters can master. “If we can’t get people stratospherically better at public speaking, then we know we’ve failed,” says Aziz Corporation’s CEO Khalid Aziz, who claims to have made great speakers from the most unlikely raw material.“There are a few people who are just a joy – they are natural performers,” adds Bob Carson, creative director of Head to Head Communication. “But the behaviour required for public speaking doesn’t come naturally to most of us.” Perhaps the greatest block preventing most people from making a fluid and effective performance is fear itself. The prospect of suddenly drying up mid-flow, of losing the plot in front of a critical audience can take on a nightmarish quality, extending even beyond the discovery that your flies are undone or that your shirt is tucked into your pants.But according to the experts, even these most primitive of human anxieties can be overcome – as long you take the time to do the homework. “Very often people are under-rehearsed and under-prepared, and the presentation is therefore not as powerful as it might be,” says Carson. “That’s why people feel terrified.”Presentations• Here we look at three very different presentation scenarios, all of which require a different set of communication skills. Yet, as Carson points out, there are broad guidelines common to all three. Much of the preparation work for any presentation is commonsensical, although often skimped: research your audience, define what you want to say, encapsulate it into a set of easily digested points, and anticipate the likely reaction. Remember there are only a certain number of messages you can hope to get across in a given timeframe. “If you’re making a 20-minute speech at a conference, and you can get the audience to remember three points, you’re doing well,” he says. Many people also lose track of time and consequently have to curtail the presentation. “You need discipline. Write out what you need to say, then time it. As a rule of thumb it’s something like 140 words to the minute.”The most critical parts of any presentation are the beginning, when you need to make an impact, and the last 30 seconds which will determine the impression the audience takes away. Carson likens the process to an airline flight. “The take-off is a bit tricky, the cruising phase in the middle is much easier, and then it gets tricky again when you land.” In many ways, he adds, the adages continue to offer the best advice: tell them what you’re going to say, tell them it, and finally tell them what you’ve just told them.But really memorable and effective presentations extend much further than these rules of thumb – important as they are. The most common pitfall, Carson says, is that people don’t focus on their delivery. “Invariably that’s the bit that lets people down. The preparation for the speech has been done, but people haven’t thought about their actual performance. At the end of the day, you want people to buy into you.”Board presentations• In many ways the most daunting speaking experiences are also the most intimate – and presenting to your own board of directors is a classic example of this. On the one hand, you have a clear advantage: you will at least have an inkling of the personalities involved and probably a clear idea of the accepted format of your presentation.But this familiarity can also work against you. It might, for example, be hard to reconcile the persona you present after-hours in the pub with the consummate professional you wish to portray now. You might also be concerned about the impact of your presentation on your chances of progression in the company. Moreover, as Mary Spillane, founder of Image Works consultancy points out, boardrooms are effectively clubs – and consequently all the more nerve-wracking to tackle as an outsider. The danger is that in your concern not to put a foot wrong you’ll come across, at best, as wooden and at worst very unconfident.“The boardroom is an inner circle so try to make sure you’re standing on solid ground before you tackle it,” she advises. “If you’re trying to win support for an idea, the smart thing to do is a little warm-up in advance. Ascertain the politics. Go to one or two board members with whom you feel comfortable and give them a thumbnail sketch. “People react away from fear. If you behave like a deer caught in the headlights you’ll make them uncomfortable.” If you show a confident exterior, on the other hand, “they’ll welcome you back.” One way of doing this is to get your body language right. A useful exercise some trainers use is to video people while in meeting scenarios. You can learn a lot about habits you never knew you had by watching yourself perform on-screen. “People undermine themselves by shifting in their seat, and avoiding eye-contact,” Spillane says. “And watch what you’re doing with your hands.”The most common mistake is to try to disguise personal shortcomings by hiding behind props, most notably of the technological variety. “Most people play it safe. Everyone does a Power- Point presentation, and everyone else is lulled into not listening,” she adds. “The challenge in board meetings is that there is a set format that people get used to. You have to use yourself as the main presentation aid, so you become the message. The priority is to be memorable.” Indeed Spillane’s main message is that presenters should seek to establish a particular “brand” for themselves.“Humour goes a long way in the boardroom. Junior managers are often so rigid with fear that there is no humour. It shows huge confidence to use wit to lighten the situation – so stick your neck out. It’s important to have some composure, but there’s a lot to be said for passion.”But however passionate you might wish to appear, it’s important not to lose sight of some of the fundamental disciplines needed to address the board. Top of the list, says Aziz, is brevity. “The attention span of the average board director is pretty short so you’ve got to be able to grip them.” He relates how one satisfied customer, a hard-bitten US chief executive, remarked: “It’s great what you do. It gets the bastards to tell me in two minutes what it used to take them 20.”The worst thing to be, adds Aziz, is a “micromaniac” – someone unable to get beyond the minutiae of their topic to deal with the broad issues. It might be natural to want to back up your argument with data, particularly if you’re nervous about presenting. “But it’s important to remember that people in positions of responsibility don’t want too much data. Senior managers want information; more important, they want insight because that is what decisions are based on.A frequent mistake, he adds, is that presenters forget the issue most critical to the board. “There are only two great motivators in life – sex and money. The first is unlikely to figure but you’ve got to show them the money – say how much something will cost and then spell out the benefit. Do that when presenting and the board will be eating out of your hand.”A good piece of advice says Aziz is to avoid giving out advanced details of your presentation wherever possible. “What typically happens is that the chief executive skips to page 10 where the financial implications are outlined while you’re still introducing the subject.” If you do fall victim to an over-impatient boardroom, make sure you have a contingency plan in place. “There’s nothing worse than not getting to the end of what you want to say,” concludes Carson. “But if you’re terribly clever, you’ll have a summary to fall back on.”Meetings• Research shows that most meetings conducted in this country are unnecessary – and when they aren’t, they are poorly structured and lack a proper agenda. This, of course, leads to a significant waste of corporate money – a recent study from PricewaterhouseCoopers indicated that an organisation of 100 people could save £250,000 a year by cutting down the time spent in meetings to one hour per person per week.Clearly, therefore, the main presentational skill to get right in this context is the content itself. As a first step it’s important to assure yourself that what you need to convey is best imparted in a meeting environment. Some things might be better disseminated by e-mail, for example. But once you’ve decided on a meeting, prioritise what needs to be covered during that time – and set an end time for the session. If meetings are to be properly effective, you should also include precise action minutes: this was discussed, this is the action required, and this is the person who will take the action.When researching your presentation, ask the usual questions about what you want to achieve from the session, who will be attending, and so on. This is particularly pertinent to meetings because they are held for so many different reasons. You might want to motivate people, you might want to impart knowledge; you might be dealing with a prospective or disgruntled customer. “If you know in advance that someone has a particular problem with something you’re covering, don’t ignore it but work to improve it,” says Carson at Head to Head Communication.Aziz agrees that a critical skill when addressing any meeting – although potentially divisive – is to ascertain the common ground between you and the other participants. “Always start the presentation on this point. That way you’ll get everyone on side and attentive from the outset.” In many ways, adds Spillane, the most effective meeting presenters are also those with the best manners. “When you come to sell an idea, remember what’s in it for other people as well. Too often you’ll find someone who has a passion about some side of the business that no one else shares. Whatever the meeting’s about, always remember you’re selling – whether it’s ideas, yourself or a strategy.”In the context of an informal meeting environment, the experts agree it’s critical to pause for feedback – you don’t want to leave people frustrated before you go onto your next point. Similarly, if you disagree with something someone else is saying, voice your doubts there and then – and say why you disagree. “It’s very important for you to be seen as someone flexible, although you can stand your own ground too,” says Spillane.Nonetheless, it’s important to understand which individuals in the meeting are likely to have the most influence over outcomes and aim the main thrust of what you have to say directly at them. Similarly, although joint or team presentations can be an excellent, and often less monotonous, means of getting a complicated set of points across, always ensure that a team leader has been nominated. “The client needs to know who’s in charge so they can focus their remarks on the right person,” says Aziz. And it goes without saying that any group efforts, however informal, need to be rehearsed before the presentation. “There’s always a danger when you are drawing on staff from all over the place that they won’t sing from the same hymn sheet.”Finally, prepare yourself for the worst eventuality and practice recovery techniques. “There’s often a bully in meeting rooms,” contends Spillane. “If you give into it, you’re vulnerable. Even if you’re shot down in a meeting, try to find a way to show you’ve come back. Even if you’re dying inside, it’s important to show you can recover – that you’re not brooding. That shows tremendous confidence and guts. And people warm to that.”Public speaking• Of all the forms of business presentation, public speaking is the one most likely to strike dread into the heart of the average executive – primarily because so many of us are unused to declaiming in front of a large audience. On this level, at least, there’s something to be said for the idea of reinstating poetry reciting and elocution back into the school curriculum.Carson contends that the first mistake people make when contemplating a public speech is to make the wrong assumption about how their efforts are likely to be received. There’s a danger of going in on the defensive. “They go out there thinking the audience is waiting for them to get it wrong. Actually, the reverse is true, they’re with you all the way.”Experts differ on the correct approach to take to public speaking. On the one hand there are those like Aziz and Spillane who insist that a good speech is nothing more than a smaller presentation writ large. “When people go into performance-mode, you can see the audience’s eyes begin to glaze over,” says Spillane. “A good public presentation is conversational, even if that means using rhetorical questions. The more human you are, the more effective you’ll be.”“Wherever possible we prefer people not to read scripts – work from prompt cards instead,” adds Aziz. “Once you try to write a speech, your natural ‘speak-speak’ is subsumed by ‘print-speak’ – and that makes the speech wooden.”Carson agrees that many of the techniques that work on a smaller scale can be upgraded for a larger audience. “If your presentation is to six people, a raised eyebrow or smile can be an emphatic gesture. But for 2,000 people that gesture needs to be exaggerated.” But he insists that all presentations are to some extent performances and will thus benefit from certain stage techniques such as learning how to breathe, how to get the most out of pauses, and practising inflections and emphasis. There are, however, caveats. “I’m sometimes worried about people who claim to have done a lot of drama. They can get too big and too measured, and can come across as false and contrived.”As a first step, he encourages clients to prepare the speech as they would any other presentation, fitting the content to the audience, anticipating the likely reaction, and so on. “I won’t allow anyone to start any speaking coaching until we agree absolutely that the script is right. Then you can concentrate on your performance.” Although a growing number of senior executives are following the example of politicians and hiring graduate speech writers to frame their remarks for them, all agree that this is a practice best avoided, because the results are often lacklustre and lacking in conviction. Moreover, if you’ve written a speech yourself, you’re much better able to defend your opinions if you’re subsequently challenged on them. As general rules of thumb, avoid jargon and resist the temptation to think out loud.Once the content has been decided upon, Carson gets his clients to sit down and put in breaks, commas, pauses and conjunctions so that paragraphs naturally flow into each other. To avoid sounding monotonous – or reverting to “read-speak” – he advises reading the speech out loud. “If you read it out and something’s wrong, you’ll hear it.” A useful tip when preparing speeches, he adds, is to forget the visual aspects of your performance until you’ve got the words sorted out – imagine you’re preparing a radio broadcast. If you are confident about what you’re saying, the physical techniques of how you present the speech will come much easier. “People need to look up, they need to smile, and they need to get their stance right.” Once you believe you’ve got your speech just right, leave it alone. “You can over-rehearse,” Carson warns. “You can get it so off-pat that you lose the impact.”Although there’s a certain snob value in declaiming a speech without the obvious benefit of notes, this is clearly a high risk strategy which the experts warn against. “Don’t leave yourself without some means of support, even if it’s just a series of cards with the main points on them in your pocket.”As with other forms of presentation, the experts warn against over-relying on visuals. “The more impressive your visuals, the more they take away from you,” claims Spillane. “You shouldn’t start with any and you shouldn’t finish with any – and if you use anything in the middle, it has to give the audience an element of surprise.”But by putting yourself centre stage, you clearly raise the ante in terms of your own physical presentation. “Regrettably personal image is very important. If you’re trying to convey authority and influence you don’t want to turn up in a pink suit or cardi,” Spillane says. “And when speaking in public, you also need to consider the setting. You don’t want to disappear into the backdrop.” Similarly, work on your voice if necessary. Image Works estimates that the quality of your voice accounts for 38 per cent of your impact on others – so ensure it’s an asset. “The dreaded voicemail message that you insist ‘sounds nothing like me’ is a good indicator of what might need work when it comes to improving the quality of your speech.” In the spotlightOn 26 Sep 2000 in Personnel Todaylast_img read more