Being overly clever is seen as arrogance

You’ve probably come across writers who try too hard to impress their audience. You will agree that they often seem condescending and annoying. The reader’s usual reaction is often, ‘What, does this writer think I’m dumb?’

By being too clever, you’ll alienate your audience, who won’t be too pleased at being subjected to a write-up that seems to insinuate that they are ignorant. Instead, speak to them the way you would to a respected colleague and don’t simply assume that you know better.

Being critical can ruffle the wrong feathers

There are writing styles and topics that call for a writer to use a critical tone. Satire, for example, is very often critical. However, really great writers still manage to inject good humor into the writing, which is actually a sign of genuine talent.

When writing reviews, for example, you also need to be critical in order to inform the reader the positive and negative points of the person, event or product being reviewed.  Being critical could be harsh but if you can phrase your sentences well, your write-up will be easier and more fun to read.

Be like Shakespeare

No, it’s not about iambic pentameters and rhymes but being able to state the obvious without doing so. Instead of confronting the issue upfront by being clever and critical, find ways to describe, illustrate, critique or opine. You can add words, omit some, use metaphors and other tricks of the language. The key here is to produce a well-written piece.  Just don’t overdo it, though or people will know you’re trying to be clever.

Avoid strong language

You don’t have to be offensive just so people will know that you have something to say. Sometimes, writers can’t help using strong language when trying to be critical about something.

Some writers may even use strong language in the hopes of preventing boredom in their readers. However, this trick often backfires since not everyone is appreciative of language used only in B action movies and street fights. If you use strong language out of context, your readers might think that you are either trying to be clever or being overly critical.

Instead of falling into this trap, turn to useful references such as a dictionary or a thesaurus for better alternatives.  You’d be surprised at how well you can write copy that expresses exactly what you want to say using well-chosen words. You’ll gain more respect for it.

Use humor instead

Instead of being clever and critical when writing copy, consider appealing to your readers’ funny side. Some of the best writing ever produced used humor to express opinions and ideas even about the most serious of topics. Doing so will allow you to explore a different aspect of your subject and to offer your readers a means to see things in a different light.

Know what you’ll be writing about.
There is nothing worse or even more pathetic than a writer who bluffs. True, many writers have written well-fabricated tales and passed them off as genuine but they were able to do so only because they backed up their writing with plenty of research.

If you were asked to write about cryptozoology right now, for example, how much would you be able to produce without using a single reference? Probably not a lot even to convince your 7-year-old niece.

To avoid groping blindly about regarding your subject and make your copy good, do research.  Use at least three good references for your write-up. If you have to interview someone for it or try something yourself, then do so. This will allow you to gather enough information to use with your write-up.

Think about your readers

Your readers or audience have different voices. To make your copy good, consider carefully what it is they like and are interested in and then zero in on those. Speak their language so they become much more comfortable with what you have to say.

If you’re writing for kids aged 9 to 12, for example, you wouldn’t use the kind of language you write with if your audience were men and women in their 20s and 40s, right?  Remember that you’re trying to sell an idea through your writing, so speak to your readers in a way they can easily relate to.

Watch your grammar

If you were a good listener during your grammar class, you might want to heave a sigh of relief. A high premium is placed on good grammar and if you want to make copy good, make sure you avoid hideous grammatical and spelling mistakes.

Be careful with subject-verb agreement, punctuation marks, tenses, sentence completion and clauses. Bad grammar is never viewed as good copy and is even dismissed as very amateurish and unreliable, even if it’s an expert talking.

Mind the headline

The headline serves as the introductory statement to your write-up. Without a good headline, there’s a good chance your target readers might ignore your article and look somewhere else. This is something you can’t allow to happen. Imagine having to miss 7 out of 10 readers just because your headline doesn’t work.

Make sure your headline is effective, clear and concise. It should interest the reader, make them wonder, raise their curiosity, even intrigue them so that they have enough reasons to want to read more.

Make copy easy to read

Finally, to make copy good, it has to be relatable and easy to read. If you’re writing about planting roses for beginner gardeners, for example, don’t make it sound like an instructional material for producing fossil fuel. Read your work out loud – if it sounds like normal speech, then you’re on the right track.

Mind your readers. They are, after all, the end users of your work and they should be able to like what you offer them.

Outline your article.
The headline and the article body feed off each other. One must reflect, promote and support the other in order to be effective. As such, it’s important that you build a relationship at the very beginning so your readers won’t be confused at the progression.

To make sure you don’t get lost, write a short outline of the article. This can be in the form of notes to help guide you on the topics you will be covering for the article and the succession of these topics. That way, you will have a reference on how the article will appear, something you can use for effective headline development.

Decide on the tone you will use

The tone of your article should be reflected by your headline. An optimistic, happy headline may not work with an article that is written in a serious, businesslike tone. Conversely, a formal headline may seem ill-conceived when used with an upbeat article.

Develop your headline based on the type of article you will be using

Ever read headlines developed by researchers for a certain scientific or medical study?  They’re not exactly the kind of headlines you’ll find in a write-up for topics such as sports, personal care or relationships. These headlines tend to be formal and technical and there are no colloquial or slang terms used with them.

When developing headlines for your article, make sure it’s a good match to the type of write-up you will be doing. If it’s more technical, consider using a more structured headline. If it’s more upbeat, then do the same with your title.

Offer an overview.
Your article has to compete with others in the market. This is especially true if you will be writing for the Web, where for a single topic alone, readers will find thousands of sources, all of them original.

For effective headline development, make sure to write a title that offers your readers a good idea of what the article contains – and then interest them enough so they read the rest of the article.

Headline too long? Consider a sub-headline

Sometimes in order to grab the attention of your readers, you will be stuck with a headline that’s too long to be effective. If this happens, consider cutting the headline into two: one as the main headline and the other as the sub-headline. Readers can easily focus on these headlines and find the most interesting, salient points of the article.

Or, you could cut a long headline, use a provocative or interesting word or phrase followed by a colon and then write the rest of the headline. Some examples are below:

Game Hacks: How to Be a Master of Every Video Game You Play

Earth Angel: One Woman’s Journey to Becoming a Celebrated Environmentalist

Birds of a Feather: How Your Friends Affect Your Luck in Life

Use intrigue

Notice how successful many of the marketing campaigns and promotions have been in the past? It’s because the copywriter was able to stir up intrigue and grab attention by using their headlines well.

An excellent method of headline development is using teasers that create intrigue. Words such as ’secret to’, ‘little known ways’ ‘lazy man’s guide to’, ‘beginner’s guide to’, ‘you don’t have to be ___ to be ___’ and ‘methods you never knew existed’ can be quite effective for making the readers wonder and want to read more.

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DMP is part of credit counseling service. This type of counseling is available to consumers who have trouble with payment of their debts, and include services such as:

• Money management classes
• Budget counseling
• Referrals to similar helpful services
• Housing counseling
• Debt counseling

When you ask for assistance using a DMP, a debt counselor will calculate a realistic amount of money that you can afford to pay monthly after paying off your priority debts. Priority debts are those debts where non-payment will give your creditors the right to sue you, or confiscate any of your properties.

Usually, when you go through a DMP, here is what you can expect:

• A credit counselor will make a full assessment of your financial situation. You will be asked to provide information such as your monthly income and expenditure, creditors, and other related things.

• Based on the information you gave, your credit counselor will come up with a financial statement, which will then determine how much money you can pay monthly to pay off your debts.

• Your counselor will then approach your creditor and negotiate for a reduced payment. Most of the time, creditors will be happy to agree to something that will help you pay off your debts to them, especially if the monthly figure you will be able to pay is a realistic figure for you. The more realistic it is, the more sustainable it will be.

• You make your monthly payments.

• Once in a while your credit counselor will assess your situation and check to see if your monthly payment is still applicable to your circumstances.

• You may continue paying through the DMP until you have cleared your debts, or you may also choose to voluntarily end it.

To make sure that you are getting the right kind of quality service from a credit counseling agency, check the following criteria:

• Is it an accredited and nonprofit agency? - The minimum requirement you should look for in a credit counseling agency is that it is a registered nonprofit agency.

• Do they employ certified counselors? – most credit counseling agencies have in-house training programs, but it’s best if their counselors also passed certification exams to test their knowledge in areas such as budgeting, bankruptcy, consumer law, and the likes.

• Do they provide a varied list of debt management options?

• Do they charge reasonable fees? – Most credit counseling agencies do not charge people for their services, and put 100% of their monthly payments towards their debts. Some would charge a minimal monthly fee for administering DMP. If you decide to go with an agency’s DMP, make sure that you have all the agreements regarding fees into writing.

• Are they transparent with their declaration of fees and services? – Determine if the company will give you the information you need without asking for financial information from you first. The agency must also be able to show you a record of all the payments you made and your remaining balances.

• Do they have a clean business record? – You may check this information with the Better Business Bureau (or similar government agencies in your country) to find out if there has ever been any complaint filed against the agency.

There are many resources available online to help you with finding the right Debt Management Plan that will work for you.

PowerPoint is such a powerful software which is now being used in many daily activities.  It is not only a tool that is used for presentations but it can also be a teaching aid for professors and teachers; a tool for making lectures and influential speeches.  The good news is, PowerPoint can be found on the web and most of us can now access it for free.  Yes, for free!

Since presentations are good means of reaching out to a large number of people all at the same time, it is good news that most programs can now be downloaded for free.  Visual presentations have never been better now that there are prepared templates to use—and they’ve never been easier to use.

Ease and PowerPoint programs are now synonymous.  The templates on the internet include fonts, colors and formatting parameters that cooperate in the creation of a first rate presentation.  This not only saves time but is also easy to manipulate.

Some of the program that are found on the net are Powerpoint programs with grid.  These grids are useful to teachers who needs a graph to explain a certain lesson to her class.  There are also programs that provide thought for the day—this could prove useful to the hopeless romantic who would try to woo someone by sending quotes daily.  There are also downloadable programs such as the periodic table which can be a teaching aid to a chemistry teacher.  Usually, a periodic table comes with buttons which when clicked would show the corresponding elements.

Most known schools and universities own a PowerPoint presentation.  These presentations are available for public perusal through the internet.  Some of examples of presentations from schools are: guides to writing or grammar; programs on branches of mathematics; introduction to classroom subjects such as science, grammar, math, writing, and the like.  Again, the teachers would benefit from these as they could easily download programs from the internet.

Some programs can be used as interactive writing labs that can readily be used in workshops.  Some lessons can be downloaded in the form of games so that younger generations would have more ‘fun’ learning.

Another line of work that uses PowerPoint presentation programs is the field of medicine. The drugs template shows a single syringe which is filled with a drug ready to be injected.  This program is best for teaching facts about morphine, illegal substances, narcotics, any drug, drug tests, etc.  clicking on thumbnails would show pricings and other options.

People who are not so familiar with PowerPoint would still find the free presentations online to be user-friendly.  Those who need advice in presentations can access information and use templates easily.  The sites that usually offer free presentations often have links to reference tools or online references.

Presentations are also not limited to text or graphical formats.  There are now templates that showcase pictures that would coincide with the topic that you are going to present.  Videos could also be shown in full screen which would make any presentation livelier and would mesmerize the audience.

With all these wonderful things for free, what more could a presenter or a professional want?  Expertise could now be downloaded for free…

But although it is hard, it is not impossible. And you don’t really need an expert to do that. You can always practice practical saving and debt management work that can save you at least some money for the rainy day. Below are some of the simple ways that you can manage your debt without really having to pay for an expert’s advice.

1. Prioritize debt payments.

Remember that you are not only paying for the money that you have loaned, you are also paying for the interest that you have incurred. This can be an additional burden for you and the hard part is, you did not even got to use those interest payments. They are just add ons to the debt that you have.
If you have extra money, pay for your debts. Look at the debts that you have and pay for the ones with the highest interest rates. Some experts suggest that you set aside a percentage of your salary to debt payment to ensure that you will be slowly chipping away the debts.

2. Save on utilities and other expenses
Cut down on the things that you can cut down. This includes utilities such as electricity, gas, water, services like plumbing and gardening and other household expenses. You may not realize it but you are actually paying for more than the average family size usually need because of wastage. Turn off the lights and the TV if you are not using them. The same goes with the water. If you can walk, don’t take the car. These simple areas can help you save a lot, which you can use to pay for your debts.

3. Cut the credit
Don’t get a loan anymore. If you don’t have money, then practice saving and not spending! Don’t borrow from other people. And if you have to borrow because of emergency expenses, make sure that you negotiate for lower interest rates or no interest rates at all.

If you have a credit card, dispose them or leave it at home and only use it for emergency situations like when you need to pay for medical bills or medicines. Otherwise, leave it at home. That way, you will no be tempted to spend more than you should.

4. Make a grocery list
Going to the grocery or to any store with a set of products that you will need to buy is a proven effective way to cut spending. With an already set items to buy, you will not be tempted to get things that you do not really need. This is especially true if you are one of those people who have the habit of unconsciously spending money on products that are not necessary. And even if you get them, the item not being in your list will make you stop and think about the purchase before you make them.

These may be simple ways towards debt management and you can sure that they are effective!