Model Agency 411

There are not many of us who do not have a credit card these days. But, not all of us are as wise in the area of understanding how they work and how they make money. There are many types available to the young and old. Student credit cards even begin to get teenagers into the world of credit cards. Secured credit cards, cards that usually can’t be written off, are even misleading in their name. So, what does that discover credit card in your wallet actually do for you?

Even young adults are being lured into the world of credit cards. Student credit cards are widely available. Some link the parent to the card, others are geared towards college students who most of the time don’t even have jobs to pay for them. They seem like a great way to pay for college expenses, but the fees can be outrageous.

A big trap is secured credit cards. While there are always options out there that are legit, there are many others that are not. Often times, people with little or no credit or even bad credit can get a secured credit card. These are credit cards that are linked to savings accounts which require a minimum balance to be kept. While this seems easy enough, if you default on it, they can claim their money through that savings account. Another aspect of these types of credit cards are the fees associated with them. They often require set up fees, sometimes in the hundreds of dollars. They may have monthly and yearly fees as well. They may seem like a great way to establish or reestablish credit, but you will need to read the fine print for the secured credit card.

The goal of any credit card company is to make money. They do this by charging you an interest rate. The rate varies greatly from one company to the next depending on your credit status and credit history. But, your goal is to find the low interest credit cards. Many times, if you are in good standing with a credit card company, you can call them and request that they consider you for an interest rate cut.

Next to paying off your entire credit card bill each month, finding the lowest rates is often very important in order to save money. With the Internet as a tool, you can search for different types of credit cards and learn which companies offer the lowest rates. Many companies are equipped to take and accept credit card applications online within minutes. But, be wise and read the fine print to avoid falling into traps and outrageous fees.

About The Author

Mike Yeager, Publisher

http://www.a1-loans-4u.com/

mjy610@hotmail.com

Charles had a problem. He considered himself an entrepreneur. I could have helped. He might have broken even or seen a profit.

Charles had an industrial strength hand cleaner manufactured. The hand cleaner was in stock. It was stored in a truck outside his automobile body shop. He had no place for it. He needed to get rid of it. He thought the best way was to illustrate the effectiveness of his product on video and send a sales packet to other body shops. I agreed.

A friend of mine, a professional speaker, used to say, “The only thing worse than not having a video, is having a bad video.” Most people don’t understand that. Charles hadn’t a clue. He had horse traded for a computer that would video edit footage. He then found someone who said they could write and produce a sales video.

The reality of the situation was that he had an antiquated computer that did a decent job when it was newly on the market, but the high-tech world had passed it by. His writer/producer thought of himself as “talent.” He wanted to act in the video as well as write and produce. Charles came to me for advice. The footage I saw was awful.

Bad news never goes over well. Effective sales videos are produced by professionals. They know what they’re doing. They’ve done it before. They are experienced. They can be trusted. Charles didn’t want to spend the money. “Do you know anybody that’s still learning, that might want to produce a video to get some credit,” he asked.

We chatted for a while and I asked him about his eye. There was a bright, blood red spot on his right eye. Charles explained that he had been grinding metal in his shop and got a sliver in his eye. He went to the emergency room, where a doctor had carefully removed the piece of metal from his eye. The doctor saved his eye.

I nodded and asked, “You must have had a competent doctor, who was worth every penny. That’s good. But, did you stop and ask for someone who could remove the sliver cheaper? Say a medical student that wanted to try a small operation for some experience and credit?”

Charles looked at me and said, “Oh, you’re good.” He saw the implication and connection instantly.

Charles never bought the sales video. And for years I saw the truck parked in the same spot by his shop. The truck never moved and I’m willing to bet the hand-cleaner didn’t either. The product looked like it was worthwhile. A good sales video could have helped his marketing.

I thought my sales question was a great closer. I think about it and smile. Sometimes even the best closing arguments don’t work. Perhaps, he is keeping an eye out for a better deal.

Author Don Doman: Don is a published author of books for small business, corporate video producer, and owner of Ideas and Training (http://www.ideasandtraining.com), which provides business training products. Don also owns Human Resources Radio (http://www.humanresourcesradio.com), which provides business training programs and previews 24-hours a day.

Have you checked your credit card statement lately? No, have you really examined it, looked at the Annual Percentage Rate {APR} and read the fine print on the back of the statement? If you have not, do so today, but be prepared: you may be in for the shock of your life.

Part of the problem Americans are having with debt is that many people are relying on credit cards to purchase every day items. This includes food, clothes, household items, etc. Some consumers — in hopes of advancing their lifestyle — purchase furniture, jewelry, artwork, and more with their cards. This reliance on credit cards to “raise their standard of living” is what causes problems for many.

Beyond that, there are insidious methods used by credit card companies that effectively keeps millions of consumers in debt for years. Let’s examine these methods and how you can avoid them.

Late Payment Fees. Fees for a late payment are surging. What was once a $10 or $15 fee is now often a $29 or even a $39 charge. Add that to your balance! Always pay your bill as soon as it arrives. If you wait until a few days before the due date, you must take into consideration that the transit time between when your bill leaves your home and arrives at the credit card payment address [and, with the person who inputs your information as having been paid], can be longer than you expected. Do you pay your bills online? If so, it can still take several days for your account to be credited. If you know you are cutting it short, it would be better for you to call the credit card company directly and make your next payment over the phone. A “small” fee of $5 to $15 is typically charged.

Bumped up APR. Even one late payment can result in your APR being bumped up. Way up in some cases. That special 4.9% fixed rate you secured can soon be history. Check the provisions in your member agreement and you may learn that your new rate is suddenly 18.9% or more. Worse, if you are late 2 or 3 times in a year, your rate could jump to 29%, 35%, or higher! Yikes.

Other cards jump in. You may be late with only one card and pay your remaining creditors on time. However, if you are late with your payments to just one provider, this one creditor will notify the credit bureaus that you made a late payment. All of your other credit providers have access to your credit information and they may jack up their APRs even though you pay each of them on time. Sounds like they are piling it on, right? Yes, and it is perfectly legal too!

Always pay your creditors on time and examine your statements closely every month to make sure that no erroneous charges appear. Contact your creditors in writing if you suspect an error.

One misstep can cost you and it will have a ripple affect across your entire debt picture. All of these tactics employed by credit card companies are absolutely legal. Whether they are ethical or not is another matter, but the law is the law.

Work within the paramaters of the law and take charge of your finances before unreasonable fees and penalties are assessed against you.

Copyright 2005 — Matthew Keegan is The Article Writer who writes on a variety of topics including: advocacy, automobiles, aviation, business, Christian themes, family, news, product reviews, travel, writing, and more. Samples from his portfolio are available right online.

You probably know how necessary circulating your company’s professional video is. For a businesses CEO, Web video is a helpful medium that can easily capture your potential audiences’ attention and substantially improve the overall number of visits to your site. Video commercials are very good in attaining the target customers’ reasonably short attention span. Furthermore, if codes are used & online video sharing is encouraged, short format professional videos can be a splendid way to get one-way links & thus positively affect your businesses position on the search engines.

In reality, videos have turned out to be a significant source for business or self-promotion. The following are some tips to circulating your own professional videos.

Firstly, you can post your short format professional videos on your own company website; although this would involve you to make your own video hosting arrangements. Ask your online hosting solutions provider if video downloading or video streaming services are supported.

Video downloading is where your business viewers have to download your Internet video to their computer hard disk. They need to save the professional video to their own personal computer before they can play it using their personal computers video player or a downloadable video player device. There are hundreds video downloading service companies that are reasonably inexpensive. There is also a progressive downloading mechanism where your viewers can play the short format promotional videos whilst downloading them.

Video sharing streaming on the other hand entirely does away with the need to download the Web video clips & lets immediate playback so it presents the most use to your users. Naturally, getting a video hosting company that supports video streaming can cost you a pretty penny.

And finally, the more fashionable way to circulate short format videos is posting your sites to video distribution web sites which have their own video hosting platform. These web sites cost you nothing to log on and will sometimes give you money upload video clips. They also have a huge market base & grasp; for example, YouTube receives in the region of nineteen million users each month. Visit Vidify.co.uk for cost-effective video production and distribution services.

On the J-O-B. That’s where I met him. Quentin Cole was his name. Everyone called him Q for short. Q was an extremely attractive man. He was 6′2″, had the waviest-curliest-jet-black hair that you ever saw. This man had the deepest dimples, hazeliest of green eyes, and a physique to die for. He always dressed well and smelled so, so g-o-o-d. WOW!

Eventually Q and I somehow connected, and as time went on we began a dating relationship that lasted for several years. Ultimately Q ended up living with my children and me. They were about 6 and 7, I think. Q, my son and daughter would often engage in wrestling and play time. They all enjoyed this time spent together.

Q was originally from Pennsylvania so he only lived with me during the week. On weekends, he packed up what little belongings he had at my apartment and went to Pennsylvania to visit his parents and children.

My children used to visit their dad every other weekend. During one of their visits, and also this being one of the last two years of my relationship with Q, was when I had my first insight to his darker side.

Q loved to frequent bars and I guess because he was a DJ part-time he kinda-sorta got used to that environment. I was never a heavy drinker so I did not particularly care for that set. I had grown to care for Q, more than I wanted to admit so I would just go just to appease him. Besides I actually loved and respected this man. Did I say respected? Besides, if I told him that I did not want to go, he would complain so much that I would eventually give in and go anyway.

I lost so much of myself being in a relationship with Q. One evening after leaving a bar, we came home to my apartment. It must have been after 2 or 3 a.m. because the bar was closing as we were leaving. I was tired and a little tipsy also. Q always encouraged me to drink whenever we went out. If I did not he would get extremely wound up. I remember one night after coming home, Q was in the living room watching the television. I had taken off my clothes, showered, went back into the bedroom, closed the door but for a tiny crack, turned off the lights and climbed into bed and began to drift off to sleep.

Because I was not a heavy drinker, it only took a couple of drinks and I was off to la-la land. I do not recall how long I had been asleep before Q came in. He forced the door open with such power that he put a hole through the wall directly behind the doorknob. I awoke startled. I did not know what time it was but from the stinging feeling in my eyes I knew it had to be very early in the morning. I turned my back to him and attempted and go back to sleep. Q became really infuriated. He began yanking the covers off of me; he then forced me to lie on my back and straddled me. During this time, I must have been about 5′5″ and 115 lbs. Q weighed about 190 lbs. As I mentioned previously, he was a little-over 6 feet.

“What are you doing?” I shrieked. I learned early in the relationship to speak calmly when addressing him, even if I was extremely angry. As I said before, he was usually a pretty nice guy but when he was angered, he turned into Mr. Hyde himself. He kept ranting about wanting me to get up and cook. I took a quick glance at the clock on the dresser and informed him that it was 4 a.m. That didn’t matter to Q. He wanted what he wanted when he wanted it. Me being the rational one was not getting up at 4 a.m. to cook for ANYONE, and I told him so. Why did I ever say that? That remark warranted a swift punch in my upper thigh. The moment that I was struck began my cataclysmic plunge into the treacherous world of abuse. I was stunned and shocked. Q’s behavior was not conducive to the actions of a man that loved and adored his woman as he repeatedly told me. Q didn’t love me or anyone else. Q didn’t love Q. I came to realize this later.

Whenever I would rewind that night inside my head I would ask myself one question. Why me?

Q was still straddled over me and now he was reaching toward my eyes. I didn’t know what or why he was reaching at them so I started smacking his hand away. We began to tussle. Q was a third degree black belt and he was as strong as an ox. Eventually he over powered me, (which was easy to do considering how tiny I was); he pinned my arms behind my back (mind you he still straddled me), and to my surprise he held my eyelids open so that I could not blink. THIS MAN ACTUALLY SQUEEZED MY EYELIDS AND HELD THEM OPEN SO THAT I COULD NOT BLINK!! (Can you imagine being awakened at 4 a.m., having someone straddle your body, and have your eyelids forced to remain open?). How is one NOT to blink??? Truth really IS stranger than fiction. This was pure psychodrama in the raw. While he held my eyelids open he kept asking me “are you gonna get up and cook me something to eat now? I could not believe this was happening to ME. He kept going on and on about how he wanted me to cook for him and since I continued to refuse, he was not going to allow me to sleep. Think it stops here? It doesn’t.

Finally, after what seemed like forever, he got off of me. I said nothing to him hoping that this devastating scenario had ended. I was focusing on the throbbing sensation that was coming from my thigh.

I eyed Q as he went to the closet, neatly hung up his clothes and changed into a sweat suit and sneakers. He lunged towards the bed and pounced on it. He pulled me off of the bed dragging me to the floor feet first. The back of my head hit the floor with a thud. At this point I was dumbfounded and truly petrified. Being abused was foreign to me. I was never abused before in my LIFE. This was something new to me. This type of stuff you only read or saw in the movies right? I concluded if I was quiet and did not resist him, he would get discouraged and leave me alone. Fat chance, who was I kidding?

Q grabbed the extension cord that just happened to conveniently be on top of the dresser. I could have punched MYSELF for having left it on the dresser in the first place. I bought it earlier in the week to extend a cord to an outlet for SOMETHING SOMEWHERE in the house. A plain old everyday extension cord. How could something so insignificant now carry so much weight? I never looked at extension cords in the regular way for quite some time.

Q dragged my anchored body to the corner just behind my bedroom door. He turned the lights off seemingly without doubt or hesitation, and as naturally as one would breath, he walked out. He closed the door behind him consciously, as though he was exiting the bedroom of a colicky baby who had finally quieted down and fallen asleep. Q closed that door s-l-o-w-l-y and released the doorknob even slower. Not only did he leave the room, he left the apartment!

I don’t remember how long I was left on the floor in the darkness that night. I do remember thinking how grateful I was that my children were visiting their dad. I knew that I was too terrified to say anything or move. I was cold and confused. I was too afraid to utter a sound. Eventually, somehow I drifted off to sleep. I awoke to snippets of daylight appearing from behind the curtains. My back felt numb from being tied up for I don’t know how long. To my chagrin the rudest awakening for me was when I looked up and saw Q lying comfortably, serenely, in MY bed. Whereas I remained on the floor behind MY door in captivity.

Once he awoke and saw me lying on the floor tied up (I was now in tears), he jumped up and ran over and began to untie me. He hugged and kissed me and whispered apologies in my ear. He reminded me how much he loved me. “You know this is your fault”, he whispered. Whenever he violated me, he never failed to tell me that it happened because it-was-my-fault. No matter what I did or did not do, it was ALWAYS MY FAULT. If you hear negativism all the time you tend to believe it. Subsequently, and from the benefit of counseling, I realized that none of it was my fault. None of it! EVER!!!!

Once when my children were home, I believe we were all in the living room watching television or playing video games. Q got angry about something. I can’t remember exactly what it was that set him off THIS time. Maybe it was because the sun went down or the wind blew or something, I can’t recall. He and I were seated together on the couch. Out of nowhere, without rhyme or reason, he cupped the back of my head (I thought he was going to rub the back of my neck or something), and rammed it into the wall. Out of the clear freaking blue he did this! As I fell to the floor I heard my daughter cry out “MOMMY”, and my son made a hissing sound. At this time, they knew all too well how erratic Q’s temper was. Although I am sure that they wanted to run to my rescue, their intellect told them to stay put. Thank God for that. I didn’t want them to see me cry so I sat there holding my head. I felt like such a fool.

I remembered feeling dim-witted coupled with dishonor because my children witnessed what was happening to me. I felt blameworthy. Witnessing the maltreatment that was being inflicted upon me was stripping them of their innocence. Miracuously, this was the “hub” that launched the indestructible bond between my children and me.

We grew to hate Q based upon the way that he controlled each of us, chiefly me. Although he never hit my children, he sometimes disregarded them. In my opinion that was just a speckled form of abuse.

After he left, I would go to my two and together we would laugh and talk about how silly Q’s behavior was. I would always remind them that Q was the one with the problem, not us. I insured them that soon we would rid ourselves of him. I always meant what I said, and always said what I meant. This time was no different. They were reassured and entrusted that we would one day be free from the fury of Q.

My primary concern was ALWAYS to protect my children and their emotional esteem, so I adhered to what ever he did to me in silent seclusion.

During this period I endured Q’s abuse. Which now escalated to getting punched harder in the thigh or having my arm-twisted until I heard the joint crack. Once when I was walking away from him he actually kicked me in my butt. My coccyx bone throbbed for months afterward. Another time I was choked to the point of passing out, only to awaken to his voice telling me that I had “faked” being unconscious in the first place. As a result, I was promptly whacked in the head with his shoe. What a jerk he was!!

Getting socked in the breast or any place where a bruise could be hidden with clothes was a mere formality to me. Yes I was a battered woman. Even though I didn’t have the black eyes, or the busted lips, I was weather-beaten still. I was humiliated to tell the few friends I had and I never thought about telling my family back home in Chicago. NEVER! For two years I never spoke about this to anyone. Being assaulted was second nature in my world. Through it all, my spirit was never broken. I knew the determination that I harbored inside of my soul. I held onto the thought of one-day escaping Q.

I surmised people would think that I was too intelligent to allow myself to be/remain in a situation such as this. Fear and doubt are very powerful, powerful emotions. I have experienced first hand just how debilitating they can be. TRUST ME!! I had to teach myself the meaning of courage during that time in order to free myself from that cataclysmic circumstance. Which is exactly what I ultimately did. I began to develop a plan for my eventual escape.

In the long run, I sought help from a therapist for myself and for my little ones. Due to the fact that I immediately came to my children to explain away what they saw in terms of how Q abused me, luckily they did not internalize on a detrimental level, what they saw.

I later learned that I was defined as a co-dependant. The therapist classified co-dependants as “some of the most loving, caring people in the entire world”. As I said before, I lost myself in loving Q. Loving Q was as toxic as drinking acid.

Two women were instrumental in getting me to a safe retreat enabling me to re-establish my life. One remains a very dear friend and the other is her mother. Every time I think of these women, my heart continues to overflow. (Thank you Carolyn and Karen. I know that I have offered thanks time and time again, but I can never say it enough. You two really were my saving grace. I was reborn the moment you reached out to me.)

I moved out of my apartment during one of Q’s weekend visits to Pennsylvania. I left no note, no forwarding address, nothing. I just disappeared. I heard from a mutual friend of ours when he came back from Pennsylvania the weekend that I moved away, he cried like a baby. PICTURE THAT!!! How uncanny and PARADOXICALLY UNBELIEVABLE is that?

Today, I no longer loose myself in ANYTHING, relationships, or otherwise. I used to think for years before I sought help that I was somehow damaged because I was a battered woman. So abashed was I that it took YEARS before I would share my experience with my extended family.

It took a couple of years before I finally stopped blaming myself for what happened to me. (I mastered feeling “guilt ridden” countless times in my life). In due time I was able to get past my condemnation. My self-esteem began to skyrocket to a healthy level.

Now if I see a man who stands about 6′2″, has the waviest-curliest-jet-black hair, deepest dimples, hazeliest-green eyes, physique to die for, is immaculately dressed, AND smells good, sure I’m reminded of Q. For a microsecond.

Today I know that I was never the one damaged. Deplorably I cannot say the same for Q.

(C) 2005 by C.V. Harris. All rights reserved.

C.V. Harris pens with ease about the topics most would rather forget. She is a writer living in New Jersey who’s passion for expressing the sentiments of love, grief and triumph can be both entertaining as well as motivating. Ms. Harris is currently working on her Memoir. Visit her Blog at http://www.onewriterwriting.blogspot.com, or e-mail her at onewriterwriting@hotmail.com.

Texas Hold’Em poker tournaments with re-buy structures differ during the early stage from fixed fee tournaments. Some poker players make a big re-buy right away and start the tournament with a monster stack, while others start with a much smaller chip stack that is the standard starter for the tournament. The big stacks can start off bullying small stacks, even wiping out all a player’s chips within the first few hands.

It’s good to plan ahead before you sit down at a re-buy tournament. If you are unsure, ask the floor manager how the re-buy options work. Is there a limit to how many chips any one player can buy? Once you understand how the re-buy works, then decide how much you are willing to risk. Generally, the more re-buys that take place, the higher the prize money. The prize pool is not determined until the re-buy period is finished. Once you have decided how much you are will to re-buy, then you must consider two factors: Do you re-buy from the start and try to bully the other players with a big stack right away? The one danger is that another big re-buy stack will challenge you, take your chips and end your tournament early - unless of course, you keep re-buying, making your tournament fee costly.

Another tactic is to wait as long as possible for the re-buy period to end, and replenish your chips then. This allows you to get a feel for the other players while you only have a small stake at risk. If a big stack attacks your small stack, you can only lose a few poker chips. At this point, you can decide if it the table is worth a re-buy, or if you’re better off choosing another game.

There are a lot of logical reasons why you might want a shed and fortunately there are cheap garden sheds to fit just about every last requirement. Cheap sheds can be purchased just about all over but what you will find is the price will vary hugely. You shouldn’t have to give up the shed you desire because it is too overpriced though. A garden shed is something you purchase once and use for years and if you take a look on the net you can obtain Cheap garden sheds at some pretty silly prices. I do not mean cheap and silly as in quality but as in price. You’ll find you can have the shed you want for the cost of the one you were close to settle for very much less and if you have a garden that you tend to each day you will most in all likelihood need to look into a wooden shed as a place to place the fertilizer, water hose and tools and so on.

Looking after your tools and having them easily obtainable is a very good idea. You can find cheap sheds online that are the very same sheds you’d purchase in the store. In fact, you can go to the store and shop even touch them to find if it is what you need then go online and purchase it for a lot lower price. The difference in cost is remarkable!

Want to make your New Year’s resolutions actually happen next year? This article will show you how to turn your New Year’s resolutions into goals and achieve them.

New Year’s resolutions are a great way to move your life ahead. They give you hope for the New Year plus direction for your life. New Year’s resolutions seem to bring out more creative, adventurous ideas, than if we told ourselves to make a list of goals for next year. In fact many more people make New Year’s resolutions than set goals. 32% of people 54 years old and up make New Year’s resolutions, and for the 18 to 34 year old group the figure is 57%. Whereas only about 5% of the population regularly set goals. Unfortunately, most New Year’s resolutions fall by the wayside within a week.

You had some great ideas for New Year’s resolutions, so how do you stop them from falling by the wayside?

The first step is to write all of the New Year’s resolutions down and analyze them. Are any of them conflicting, such as making more money versus taking more time off? Next look at them and ask if they are really achievable. Do they call for physical feats you can never match? Do they seem silly now that you see them written out? So cull out the resolutions don’t past muster so far. Now you have a list that you can work with.

Next make sure you don’t have more than five resolutions on your list, as more than that will probably dilute you efforts. Concentrate only on the highest priority items.

The next step is to rewrite the resolutions into goals, as be as specific as possible. It is safe to call them goals now, as the part where we need to be the most creative in generating ideas for objectives is past. You had a resolution to make more money next year, so exactly how much do you want to earn next year, when will you earn it, how will you earn it, where will you earn it and so on. Make sure every goal is totally clear and it gives you some stretch, yet is still achievable. .

Once the goal is clear, look at the goal and make sure it is measurable, so you can track your progress, through feedback and then adjust accordingly.

Next you need a plan for each of the goals. Break down the steps needed to be done, in the order they are to be done. Once again, be specific, list who will do what and when. It also helps to assign a dollar and time budget to the steps so you understand what is involved.

Here is the biggest step. Take Action. Start to work you plan.

Once the plan is underway, start to measure your progress and correct what you need to as you move along.

As you move along on your plan, use affirmations as visualization to help you keep motivated. Affirmations are positive statements, starting with “I am” that describe you achieving your goal. For instance if your goal is to make $100, 000 next year, each day, say out loud “I am a person who is earning $100,000 this year. Visualizations are guided daydreams showing you actually attaining your goal and should also be done daily.

Take setbacks in stride; turn them into comebacks by learning what went wrong, making adjustments and moving on. Don’t give up on a goal, if your timetable is thrown off. It the goal is still something you want, just believe it is better to achieve success late, than never at all.

While having New Year’s resolutions and goals are great, and achieving them is even better, there is an even better reason for setting them. The major reason for setting a goal is for you to become the person that can accomplish it. How you become a better person will always be of far greater value than what you get. The ultimate reason for setting goals is to become the person that will achieve them.

So start listing your New Year’s resolutions right now, regardless if you have been naughty or nice this year. You are on your way to making next year, your dream year. Happy New Year.

I like to be around positive people, people who tend to be happy, who look on the bright side of life. Far too many people walk around in what seems like a depressed state. Come on people, it costs nothing to smile.

I must admit, I used to be one of the ones who walked around in a depressed state. I had many things on my mind, many things I was not happy with, I used to feel so sorry for myself. Even when I write about it now, I laugh about how pathetic I used to be.

Things were about to change however. At the time a new employee joined the company where I worked, his name was Stuart. Now this may seem cruel but Stuart did not have a lot going for him. I won’t go into details but lets just say I did not feel jealous of his life. I became quite good friends with Stuart and we would go to lunch together. I would meet him in the canteen at 1pm and would be waiting in my gloomy state of mind for him to arrive. Arrive he certianly did, always with a beaming smile on his face. We would sit down and talk whilst eating our lunch and he never had a negative word to say. When he talked, he talked with passion, about sports and films. One day it dawned on me, if Stuart (who from what I know of him, seemingly has nothing) can always be positive, happy and smiling, why can’t I?

This was the beginning of a new era in my life. An era of being positive, appreciating what I have got and more than anything else, plenty of smiles.

Stephen Hill has a number of websites including:

stuttering disability

stammering help

stuttering advice

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