Severe stutter

Stutter or stuttering can have a dramatic effect on somebodys confidence.

Fluent people really can not comprehend how hard it is to live your life with a speech impediment or stutter.

I run one to one speech courses in Birmingham and one of my clients once told me about a situation he was involved in. He and his friends went to a bar one Saturday afternoon to have a few drinks. After a couple of pints he went up to the bar to order himself a drink. Unfortunately he could not speak all of the words fluently and the bar man accused him of being drunk and refused to serve him. He tried to explain that he was not drunk but had a stutter but the bar man said "That's what they all say"

He returned to his friends who asked him where his drink was. He told them what had happened, this itself was very embarressing.

This is a typical situation people who have a stutter find themselves in.

Stuttering can affect many aspects of a persons life including:

confidence

friendships

careers

relationships

school

Now that I have overcome a stutter it is like a weight has been lifted from my shoulders and life is so much easier.

Article writing can it help me get more newsletter subscribers

Question: I’ve got a newsletter that just isn’t growing. I’m posting my site on free classified ads and I’m paying for advertising, but I’m just not seeing results. What can I do?

Signed, Nobody Loves Me

Dear Nobody Loves Me,

Let me start by saying you are not alone. I believe you are working hard. Unfortunately, just because you are working hard doesn’t mean you’ll have success. You need to also work smart and invest in long-term ways to grow your list.

Let me tell you about my favorite way to grow your list – giving away articles.

If you’re not familiar with using articles as a marketing method, then you’re in for a big treat. Website owners and blog owners are always looking for content to share with their web visitors. So, there are places called Article Directories (basically a library of free articles) where they can go to find articles that they can use – free.

All of these articles have an Author bio at the end. (See the end of this article for an example.). The author bio is the primo space where the authors get to talk about their business. Their brag space, so to speak.

What does any of this have to do with you? You can write and distribute articles to these article directories, too. And, in your author bio, instead of linking directly to your main page of your site, you can link to a page where you have a signup box for your newsletter. Voila. Everyone who clicks through that link will be taken to the page where you can offer them your wonderful newsletter (with a great incentive they can’t pass up.) Of course your page will lure them into signing up and your newsletter list will grow.

Are long term mortgages for you

The various ways of getting a house these days has definitely become easier, along with the way that it can be paid back. Traditionally, a mortgage on a house meant a maximum of 25 or 30 years before amortization. New mortgages, however, are going way beyond the more traditional limits and are pushing it back to 40 and 50 years. Here are some things you need to know about long term mortgages.

Reduced Payments

Because the payments are now stretched out over a much longer period of time, this means that the monthly payment is also greatly reduced. This point is usually the main selling argument - and it is a good one. If you are looking to reduce your monthly payments for some reason or other, then this may help you.

The Overall Costs Are Greater

Reducing monthly payments, however, are only half of the story. While it does free up some cash on a month by month basis, it also adds longevity to the loan. Longevity always means more interest - much more interest.

Calculate Total Costs

When you actually are ready to consider what such a mortgage will cost you, you need to sit down with the details of a 25 or 30-year mortgage, and compare it with the results. This would be even more important if you are considering refinancing an existing mortgage.

Advantages

A long term mortgage can be very handy under some circumstances. For instance, if you are planning on buying property with the intent to renovate it and then resell it, this type of loan would actually allow you to minimize your own expenses and monthly payments while you are fixing it up. Another situation would be when buying a rental property. While you have renters in, you pay extra on your monthly payments, and in those in-between renters’ occasions, you just make the low regular payment. This type of loan also could allow you to get a larger house than you could otherwise afford.

Disadvantages

A long term mortgage can work against you, too. The added interest has already been mentioned. Another major consideration, though, should be the value of the house itself. Forty or fifty years down the road, what will the house be worth? Or, what will the economy be like - or your health? While these are some "ifs", and unknowable, it still should take up a moment or two or your thinking process. A short term mortgage lessens the risks simply because it is shorter. It also could free up money at the end of the mortgage term to use in more creative - or needed ways when you reach that stage of life.

If you should decide to go with a long term mortgage, be sure to compare it to several other offers. This gives you a degree of flexibility as well as the opportunity to choose the best offer. Also, be sure that there are no early payment penalties so that you could pay it off early if you are able.