3 Amazing Games You Can Use To Promote Public Speaking Skills

When it comes to surveys that identifies what our greatest fears are, public speaking frequently top these lists. According to an article published by The Washington Post, more than 25% of Americans surveyed fear public speaking, making it the number 1 fear of all Americans (see article titled America’s top fears: Public speaking, heights and bugs, published by the Washington Post on 30 October, 2014). Delivering a speech in public is more fearful than heights, bugs, snakes, and drowning!

One way to mitigate this fear of public speaking is to play public speaking games! These games encourage people to stand up and speak, without fear of embarrassment or judgement.

Here are 3 classic public speaking games that you can play with your family and friends.

Game #1: The Story Behind The Item

Prepare a starter list of events or things.

For example: a postage stamp, birthday cake, books, a zebra’s stripes, a chimney, the tooth fairy, common sayings like ‘a penny for your thoughts’, ‘a red rag to a bull’, ‘a pinch and a punch for the first of the month’,

April Fools Day, a wheel, a Christmas tree, ice cream, a ladder, Father Christmas, May Day, a siren, shaking hands on meeting someone…

Each speaker is to give an account of the story or history behind the thing or event. It needn’t be factual! The goal of this public speaking game is to cultivate credible fluency and impromptu speaking skills.

Game #2: Speak About This Phrase

Prepare a list of phrases.

For example: ‘Just do it’, ‘Diamonds are forever’, ‘He’s fallen in the water’, ‘Some like it hot’, ‘His bark is worse than his bite’, ‘Love makes the world go round’, ‘An apple a day keeps the doctor away’, ‘First up, best dressed’, ‘King for a day’, ‘Funny money’, ‘Laughter is the best medicine’…

Each speaker is to speak about the phrase they have been given. Set a time limit, e.g. 2 minutes per speech attempt. The purpose of this game is to cultivate creativity and impromptu speaking skills.

Game #3: Spot The Lie

This game fosters imagination, fluency and fun. In playing it your group will learn about body language too! How do you know when somebody is lying? How can you tell?

Each speaker is to share 3 things about themselves on a theme you set.

Examples of theme: holidays, the future, my favorite after school activities, when I was young, my beliefs, the best books I’ve read, the best adventures I’ve had… , my family…

Two of the things they say about themselves are to be true. The third is not.

When they’ve finished speaking, ask the class to identify the lie.

PS. This makes a great icebreaker for groups getting together for the first time.


There you go, three amazing games you can use right away during your next gathering with friends or family. If you are a teacher, you can use these games to promote new opportunities for your students to speak up in class or share a story. The bottom line is to create as many chances to speak, in as fun a manner as possible. Public speaking need not be fearful and intimidating!

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Is Export Trade Finance Important Today? Joss Finance

For businesses concentrating only on the domestic market, they may miss out on different opportunities the international market offers. If you make a foray into the international market, you may increase your profit as well as protect your business from the negative effects of slowed-down growth. Apart from that, this will allow you to diversify your portfolio.

Among the most crucial ingredients for success in the exportation business is export trade finance. Exporters want to get paid for their products as fast as possible. On the other hand, customers from foreign markets would want to delay payment until they’ve received the products or perhaps resold these. To become competitive, your company must be capable of offering payment terms which are very attractive to possible partners.

Important Factors To Consider When Selecting The Best Financing Option

The amount of time in which the product is financed – This is considered the most important factor to consider. Experts highly emphasized that your choice of financing will be greatly influenced by how long you’ll wait before receiving the payment.

The cost of financing options – If there are several financing options to choose from, you have to look into them meticulously, most especially the interest rates. Be reminded that these costs can greatly influence the products’ price along with your potential profit.

Risks – Transactions are not created equal. There are those that are riskier than others. Experts have emphasized that the riskier the transaction is, the more you’ll find it hard to finance. Economic and political stability can actually compound or increase these risks.

Amount of orders – If you are receiving plenty of orders, your working capital might not be sufficient to meet such increased demand.

Getting Expert Help

You can actually get help from commercial banks with an international department when it comes to dealing with the export trade finance needs of your company. Choose banks that are familiar with the export business. These banks will provide your firm with a wide range of international banking services.

After finding this kind of bank, consider scheduling a visit with the international department for you to know and be aware of the different matters like your export plan, banking facilities, services, and the applicable charges. In case your partner importer fails to pay for the transaction, your business will bear the responsibility of paying for the loan. With the use of instruments like letters of credit as well as credit insurance, you and your chosen bank can greatly benefit from the improvement of the export receivables’ quality.

On Becoming a Trusted Financial Advisor Joss Finance

“You can get everything in life you want if you just help enough people get what they want” – Zig Ziglar, “Secrets of Closing the Sale”, 1984

What type of trusted financial advisor should you be? There is a lot of discussion in our industry around this topic. Russ Allan Prince an expert on the private wealth industry, president of the market research and consulting firm, Prince & Associates, has conducted a considerable amount of research on this topic. Among other things he found that most people want their broker to be a “wealth advisor”.

One of his studies found that investors will give more of their assets and will refer four times more people to the advisor who takes a more holistic approach to his/her practice versus the “product peddler” who takes a more narrow view of a client’s financial picture. The advisor who asks about the client’s hopes and dreams for the future and develops a strong working relationship with that client will reap the rewards on a number of fronts. The Prince survey showed that once you make this holistic connection with your member/clients and prospective member/clients you will discover member assets that you did not know existed. As a result, your member becomes more successful in their financial life, you reap the financial and psychic rewards and the credit union retains a happy member who brings in additional assets, takes advantage of other credit union products and services and refers friends and acquaintances to you and the credit union. Sound far fetched? Read the quote above again.

Let’s look more closely at the Prince survey. 4,106 brokers participated in the survey. The brokers fell into three distinct styles of managing their practice:

Wealth Manager – comprehensive holistic approach to managing their clients’ financial lives including the assets as well as the liabilities of their clients; a planning orientation to solving financial problems.

Product Specialist – in this model the broker focuses on a product niche i.e. managed accounts, fixed income, etc.

Investment Generalist – brokers provide a wide range of products to solve client financial problems. They do not use a comprehensive financial planning approach.

65.5% of the brokers surveyed fell into the investment generalist category. The next largest segment is the product specialist, 22%. The smallest group was the wealth manager (12.3%). The survey found that the brokers who took a more holistic approach to their business enjoyed the greatest increase in year over year revenue for their financial planning practice. Why? The “wealth manager” takes a comprehensive planning approach to their financial proactive and creates integrated, customized solutions for their clients. They leverage client relationships, cross-selling and providing products and services not tied to the markets. The more products and services you can offer, the less affected you will be when there is a market downturn because you will have an array of products to offer such as insurance or estate planning. In addition, the deeper your relationship with your clients, the more opportunities will develop to help those clients.

By comparison, the investment generalist and the product specialist typically do not fare as well as the wealth manager year in and year out. Typically a product they specialize in will fall out of favor due to market or regulatory conditions and their production revenue falls accordingly. In addition, they have not deepened their client relationships so consequently they do not uncover the opportunities to help their clients in other ways as does the wealth manager.

How do we become a wealth manager? Certainly having the resources necessary to help your clients is critical whether it is financial planning software, estate planning resources, or a CFP designation (or other education opportunities), it takes a commitment to expand your comfort zone and your practice. It also takes a commitment to get to know your clients. Are you asking the right questions? When was the last time you asked your clients or prospective clients the following questions?

  1. If you could relive one vacation, which one would it be? Why?
  2. Who influenced you most about your views on money?
  3. What are three checks you would like to write in retirement?
  4. On a scale of 0 to 10 how much confidence do you have in your investment plan?
  5. What’s going on in your life right now that could impact your financial future?

Our members typically will not volunteer the answers to these questions unless we become a trusted financial advisor and deepen our relationships by asking the right questions and getting the answers that will allow us to solve our members’ financial problems. Only then will we become true “wealth managers” to our member clients.

5 Reasons to Change Your Spark Plugs Before They Fail

Car engines never cease to be a mystery for most population, and we can only identify there’s a problem by the time the lights in our dashboard go insane and start beeping all over the place.

What most people don’t know is that spark plugs are the key when it comes to starting your car, and are the reason why sometimes, in those cold mornings, your car might not start. What these little things do is, they produce the spark your car needs to start circulating.

But, like most things, they deteriorate over time and the electrodes that are part of the system do to, making if harder for the spark to jumpstart your car.

Many drivers never remember this, but you can replace( and should) replace your spark plugs before they start acting up.

  • Your car will perform better: Every time you try to start your car, and it doesn’t, you’re wasting precious fuel. Also, you release more carbon emissions that are bad for your health and are creating some nasty climate changes. With worn out spark plugs, your car will lose performance, and become sluggish and slow starter. If you replace those plugs from time to time, it will instantly stop misfiring.
  • No more cold starts!: If you’re living in an area that is very cold, you have surely faced the problem of the cold start – in the morning, the car just coughs up a bit, and refuses to start moving.

This problem has everything to do with the spark plugs, and can be avoided by a simple exchange. By changing them, the ignition system won’t have to create as much voltage for the spark to make contact.

  • It protects the catalytic converter: Everytime your car misfire, a bit of fuel gets into the exaust system. This makes the catalytic converter to overheat, because temperatures at which they have to operate become too high.

If this converter fails, your engine can block and choke your engine this causes your fuel economy to go awry, and will also downsize your engines power.

  • They won’t contaminate the engine: When your spark plugs wear out, they leak voltage to the engine parts that are close by, creating performance problems and deteriorating the engine faster.
  • It costs you less: Weather it’s time or moneywise, you can be sure you’ll save up some dollars by beating those spark plugs to the punch. By keeping a good maintenance of the spark plugs, you won’t need to worry about your car dying on you – and you going through all the trouble of calling a toe truck, all because of a tiny spark plug.

To avoid all these dire situations, you just need to do one thing: replace those spark plugs before it happens!

The 84 Month Car Loan – Pros and Cons For the Smart Buyer Joss Finance

As time goes on, the average length of American auto loans has steadily increased. Today, it’s not uncommon for lenders and automaker finance companies to offer car loans as long as 84 months…that’s a whopping 7 years of financing! Before entering into any loan agreement that spans such a length of time, you need to be doubly sure that you’re making the right decision for you and your financial future. Let’s look at the pros and cons of 7 year car loans.

84 Month Auto Loans: The Cons

Obviously, when you spread out your payments over a longer period of time, each payment itself becomes smaller. In this way, 7 year auto financing allows for lower per-monthly payments than a shorter loan. Unfortunately, most buyers are tempted to parlay these mathematics into buying a more expensive car than they otherwise would. or could But this begs the question: can you really afford a car this expensive?

The issue is depreciation. Most cars depreciate at a rate of about 15% per year. When you take 7 years to pay off your auto loan, you will find yourself owing more on the vehicle than it’s worth for more than half of the loan term. Basically, you are prolonging the amount of time you spend in a state of negative equity — otherwise referred to as an “upside down auto loan.” What if you need to sell the car for any reason or trade it in? If so, you will have to pay back your bank or lender all of the proceeds from the sale price, only to find yourself still owing them money. That’s not a happy place to be.

Another issue with 84 month auto loans is the finance fees. Basically, there is a longer period of time for finance charges to accrue, making the vehicle in question cost significantly more than it probably would from a 36, 48, 60, or even 72 month auto loan. You should also think about the wear and tear on the vehicle over this extensive period of time. The average American drives his or her car about 15,000 miles per year. That means that, near the end of your 84 month financing term, your vehicle will have accrued around 100,000 miles. Vehicles with this amount of mileage may cost more in maintenance and repairs than a newer vehicle. For this reason, evaluating the warranty of any vehicle subject to a long term auto loan is doubly important.

84 Month Auto Financing: The Pros

The most obvious advantage of long-term financing is lower payments. As we’ve said, however, interest rates and the cost of a higher-dollar vehicle can more than compensate for this advantage. That said, an 84 month auto loan may fit you if you have stellar credit, excellent income, and can negotiate a very low rate APR on your loan. It may allow you to afford the car you want without cutting as much into your monthly budget. Also, if you are a total car nut and absolutely must have a certain vehicle that you cannot afford any other way, 7 year financing may allow you to have what you want; just be prepared to sacrifice some money in the process.

Another scenario where an 84 month car loan might not be such a bad idea is when you a car as an investment. If you are in the market for a vintage or classic machine — one which does not depreciate due to its age, condition, or heritage — then an 84 month car loan might be the right option.