A Guide to Banking for Students

July 6th, 2008 by miscallaneousblog

A bank serves as a financial institution, providing complex financial services, right from the maintenance of deposits to extending credit. A little guidance and initiative help students to improve their personal credit record.

Banking offers the convenience of not having to handle large sums of money, thereby minimizing the chances of theft. Moreover, most of the financial institutions enable you to earn interest on your money deposited in a particular account.

There are a number of bank accounts and financial plans that are specifically designed for students. Today, students handle allowances that take care of all their financial requirements and if judiciously saved, could save them from debt in the future too. It is essential for students to select the right bank.

Tips to select the right bank for students:

The following tips would help students in selecting the best bank for themselves:

- Services offered: It is essential to opt for a bank that meets your specific requirements and serves you efficiently.
- Convenience: Before selecting a bank, you should check the location, working hours and your accessibility.
- Insured federally: Always look for a bank that is insured. The Federal Deposit Insurance Corporation or FDCI insures most banks. It indicates that even if the bank goes bankrupt, you would get your money back, up to $100,000.
- Bank fees: There are bank fees associated with the bank accounts. They charge fees on dropping below the minimum balance, overdraft protection, issue of checks and many more.

Requirements in setting up your banking services:

Financial institutions require you to submit certain important documents, for opening a bank account. They are as follows:

- Your social security number
- A photo ID, like a driver’s license, passport or student ID
- Proof of address
- Your signature on a card or form that is maintained by the bank

Essential banking services for students are as follows:

There are student and graduate accounts, with a number of attractive fringe benefits, designed especially for students. Students struggling to excel in their chosen fields usually cannot afford to pay back the money they borrow, within the expected time frame. Banks offer them the facility of special accounts, designed to increase their loyalty to the financial institution in good time.

Some of the essential considerations to be made, before opting for banking services are:

- Student accounts: A student account offers advantages like vouchers and discounts on branded articles and department stores.

- Overdrafts: Overdrafts enable you to pay your university fees without carrying liquid money. Therefore, it is essential to pick an account with an interest- free overdraft limit.

- Overall package: Though, the overdraft limit is necessary, you need to study the overall bank account package offered. You need to check the fees and charges applicable for certain services.

- Support: Before opening a student’s account, you need to ensure that your account provides you with dedicated support at time of crisis.

You should select a banking service only after conducting substantial research and analyzing the banks credentials.

Joe Kenny writes for the UK Loans Store visit for the best UK loans and offer more information on debt consolidation loans and other loan topics available on site.

An April 23, 1996, file photo of Clay Felker  New York Magazine founding editor, at a reception before the 1996 National Magazine Awards  in New York.   A magazine spokeswoman says he died Tuesday morning,July 1, 2008, at his New York City home after battling throat cancer. He was 82. (AP Photo/Todd Plitt)AP - Clay Felker, who revolutionized the magazine genre as founding editor of New York, bringing readers a smart, sassy mix of gossip and news that was replicated relentlessly across the country, died Tuesday. He was 82.

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Choose Your Own Reason To Get Personal Loans

July 6th, 2008 by miscallaneousblog

If you are looking for funds then personal loans may prove to be a good option. Personal loans are multiple purpose loans that can be used for various reasons. You may use personal loans for meeting your wedding expenses or for financing your home renovation or for any other expediency that may come your way.

Different people use personal loans for different reasons. You may have your own reason for taking personal loans. Personal loans are very easy to get these days as there are several lenders in the UK financial market who deal in personal loans and provide such loans at competitive rates. Depending upon your individual circumstances you can choose to have either secured personal loans or unsecured personal loans.

If you are a homeowner then it would be beneficial to opt for secured personal loans. By offering your home as collateral, you provide the lender an assurance regarding the repayment of the loan amount. In return, the lender provides you low rate of interest, big loan amount and extended repayment period.

On the other hand, if cannot provide collateral then you can opt for unsecured personal loans. Such loans attract higher rate of interest when compared to secured personal loans. It is entirely a matter of choice for a homeowner that whether he wants to go for secured personal loans or unsecured personal loans.

Online personal loans allow you in getting the requisite finance promptly and conveniently. You just to need to submit personal information online and the lenders will inform you about the status of your loan application within in a short period.

Alexa Wilsoon is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his master in Business Administration and is currently assisting loansbazaar as a finance specialist.

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The Importance of Using Student Credit Cards Wisely

July 6th, 2008 by miscallaneousblog

Are you familiar with student credit cards? These credit cards are meant for college students, and are easier to get than regular credit cards. They can help a student establish credit, but they can also bring credit problems to careless students.

Student credit cards can be a source of temptation for college students. Young adults can be easily tempted to buy unnecessary things with their credit card, even if they do not have the money to pay for it. Eventually the balance they charged for their shopping sprees must be paid back.

If a college student is unable to pay the full amount within a certain period of time, interest will be charged. Credit card companies charge interest at a percentage of the over due balance. For instance, if a student has a $100 balance and the credit card company charges a 15% interest rate, the student now owes $115 to the credit card company.

The interest keeps adding up and eventually the student may end up paying only the interest, and their credit card balance is never going to be paid off. That is why the parents of college students should first explain the proper use of student credit cards to their children, before they allow them to get credit cards.

There are also a few things that should be examined before students choose a particular credit card. It is important to check the annual fee of student credit cards. An annual fee is a lump sum that some credit card companies charge to their credit card every year.

It would also be wise to look at the interest rate and other fees of student credit cards. There are cases where the interest charges can send a credit card over the limit. This will cause extra fees, and the student will be unable to use the credit card. Students should pay attention to the different terms and conditions of student credit cards, so that they can determine the particular credit card that is best for them.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting www.findqualitycreditcards.com/categories/student_credit_cards http://www.findqualitycreditcards.com/categories/student_credit_cards

In this Jan. 28, 2008 file photo, President Bush delivers his State of the Union address before a joint session of Congress on Capitol Hill in Washington as Vice President Dick Cheney and House Speaker Nancy Pelosi listen. The nation's psyche is battered and bruised, the sense of pessimism palpable. The Independence Day holiday is typically a time to honor all that we are as a nation, but the feeling is there's less to celebrate on this our 232nd birthday. Happy? It would seem not. (AP Photo/Ron Edmonds, file)AP - Democrats bent on showing they can govern and Republicans anxious about a sour re-election climate are pushing a pared-down summer agenda in Congress. Lawmakers want to try to save homeowners from foreclosure, avert Medicare cuts and give the government power to spy on suspected terrorists.

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Brussels Tourist Information

July 6th, 2008 by miscallaneousblog

General summary of city:

The city of Brussels is the capital city of Belgium and is a modern city that is rich in medieval and art-nouveau buildings. Brussels is steeped in rich history with plenty of museums and galleries and a pulsating cultural life.

Brussels is also the administrative center of the European Union, which has earned the city the title ‘the capital of Europe’. The business sector in Brussels is booming with international agencies taking root in the city, however not at the expense of the rich cultural history. The juxtaposition of past and present is evident in Brussels with blocks lined with international businesses and their advanced steel and glass high rises which are only a few steps away from cobbled streets and medieval architecture that speaks of the city’s flavourful past.

With a mixture of French and Flemish culture and language, Brussels is steeped in history and culture, with something for everyone to enjoy. The nightlife culture of Brussels, complete with clubs and pubs to enjoy add to the eclectic ambience of this fair city in Belgium. During the day, as business booms throughout the week, there is a wide variety of attractions for visitors and locals to enjoy, regardless of age. Families enjoy Belgium for its unique atmosphere which embraces every aspect of family life and socialization for adults.

Places of interest:

Brussels boasts over a century of history which lends too many intriguing sights to visit and see in the city and immediate area. Brussels possesses the most fabulous market square and the highest concentration of restaurants in the entire world.

The Petite Rue des Bouchers, which translates to street of the butchers is located in the medieval center of Brussels and is most famous for the simple fact that every building on the street is a restaurant. The roadway is very narrow and is closed to automobile traffic, which allows for the restaurants to boast their wares in spectacular fashion, while on wider parts of the road, restaurants feature outdoor eating areas.

The central market square in Brussels is known as the Grand’ Place, which is notably the most beautiful in the world. A 15th century Town Hall dominates the Grand’ Place with hundreds of small statues and an elegant tower is surrounded by 17th century buildings with golden inlays which surround the entire square. Other places of interest to visit is the Manneken Pis, the Saint Michael cathedral, the Atomium, the Palais de Justice as well as a plethora of parks including the impressive Bois de la Cambre and the forest to which it once belonged, the Foret de Soignes which features birch trees that are hundreds of years old.

Brussels features many interesting sights for the whole family - business people, families, nature lovers, culture devotees and historians alike.

Things to do:

There is a wide variety of things to do in Brussels, regardless of your age or fancies. For those who love to dine, you could spend an eternity sampling all the wonderful restaurants and eateries in Brussels, which boasts itself as having the highest concentration of restaurants in the world. The restaurants in Brussels feature a wide variety of food types and styles for anyone’s palate.

For those who want to take in the rich history of Brussels, there is a surplus of museums that boast the wonderful and flavourful richness of a millennium in Brussels.

Sightseeing is plentiful in Brussels with many 15th and 17th century buildings around the city. Declaring a beautiful surrounding with intricately designed buildings from these centuries, the city of Brussels promises a wonderful view in any direction. With beautiful boulevards, picturesque squares, parks and a very active cultural life in every sense of the word, there is something for everyone in Brussels. You can take in a movie or a play at a theatre, enjoy dinner in one of the many restaurants, and visit the monuments and places of great interest that abound in this beautiful city.

Brussels is steeped in over 1000 years of history and beauty for each individual to unfold whether visiting or moving to the city.

Food & Drink:

Brussels is all about the food. Because Brussels has the highest concentration of restaurants in all the world, the dining industry is literally one of the most prolific in the city. The Petite Rue des Bouchers (the street of butchers) is literally lined with restaurants. Every single building on the street is a restaurant that caters to a variety of flavours and tastes.

Throughout this beautiful historical city, restaurants, eateries and quaint cafes abound, offering up a dish of enlightening flavor to satisfy any palate. There is, of course, plenty of French food and Flemish food, but with the coming of immigrants to Brussels, there is an increasing variety of foods from other cultures and countries throughout the world. Within the streets of Brussels, you can find Western cooking, Lebanese flavourings, Greek, Mexican - really any ethnic food flavouring that your heart could desire.

To go to Brussels means to enjoy good food in a beautiful atmosphere. Brussels is known world wide for its upper class restaurants and small, cozy eateries that are both quaint and classy.

Hotels & Accommodation:

Silken Residence
Le Châtelain All Suites Hotel
Hilton Brussels
Minotel Chambord
Le Méridien Bruxelles
Eazires Europarthotel Avenue Louise
Hotel Villa Royale
Hotel le Dixseptieme
Sun Hotel
New Hotel Charlemagne
Hotel L’auberge Du Souverain
Aristote
Hotel Continental
Hotel le Chantecler
Hotel De Fierlant
Hotel Erasme
Rijckendael Hotel
Eurostars Royal Embassy Grand Place

Entertainment:

Brussels is very much a city of the night. There is a bustling nightlife in Brussels in the many clubs, discotheques, bars and restaurants. There is always something to do in Brussels.

During the day, the museums offer a great deal of entertainment for the entire family. With the wealth of history and past culture in Brussels, everyone in the family will find the museums, galleries and culture centers interesting and intriguing.

There are a wide variety of cultural festivals that are also offered throughout the city at various times of the year ranging in depth from family fun to adult entertainment.

Fun for the whole family is offered in the heart of Belgium in the capital city of Brussels. Movie theatres, shopping centers, parks, forests, museums, cultural centers and places of interest abound in this gorgeous city. Boredom is nearly impossible in Brussels - there is always something to do or see in this fair city. A rich social life is just around the corner in Brussels, all you have to do is see what they have to offer during your visit.

Meredith Booney

AP - Thich Huyen Quang, the patriarch of an outlawed Buddhist church in Vietnam who spent more than two decades in and out of house arrest, died Saturday after months of ailing health. He was 87.

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Choose The Right Website Copywriter To Boost Your Website’s Profits

July 6th, 2008 by miscallaneousblog

Running a website is not an easy job; it takes some effort to make money online. There must be hundreds of millions of webpages out there struggling to be noticed by search engines and by their target audiences. If you are a website publisher who’s eager to get your brand or service in front of the right readers, it would take more than just a good logo or business concept to get them flocking to and trusting your site. To grab people’s attention and increase website traffic, you must provide something extra, something unique, something they may not find elsewhere. But the problem is, you may have so much on your plate as it is that you can’t possibly provide grade-A content 100% of the time. Even great webmasters and website publishers need a little help sometimes.

If you think about it, no amount of black hat SEO or link wizardry will get you the long-term results you are really shooting for. High-quality content is what your target customers want. Skillful linkbuilding may build a lot of short- to mid-term traffic but classic content lasts a long long time. To make serious money online, you have to give your clients this content. Many website owners invest their time and money in web design and online promotions without even considering the importance of original content. Do you really want to look just like your direct competitor — providing a mirror-image of their services to your readers and potential clients? High-quality content, as opposed to knock-off imitations and readily available templates, is crucial to a website’s success. What you need are highly capable content producers who will drive qualified traffic to your website and give it some distinction. This is what competent and effective website copywriters are all about — producing quality content for your website and help you make money online.

But before you hire, you must ask yourself what exactly you are looking for in a website copywriter. The following guidelines will certainly help you pick the best website copywriter to help you increase your online profits:

1. Can they produce quantity as well as quality?

This is extremely important; high quality content is imperative, and so is quantity. A constant and steady amount of high-quality material is an essential ingredient for a successful online business. A website copywriter has to be able to deliver both quantity and quality to make you money. With this in mind, you must ask them for a guaranteed daily quota. You would want a lot of work done in a short span of time, but you can’t possibly expect high quality with that mindset. When you ask for too high a quota you will probably be sacrificing quality. Somewhere around 2000 words a day is average.

2. Will they be able to produce original content?

There are a lot of ways to ensure that your content is purely original. Ask the website copywriter for a guarantee that all written materials will be checked explicitly for duplicate content. To avoid plagiarism and other copyright issues, they must run their work through originality checkers such as webmasterlabor.com/tools/checker http://webmasterlabor.com/tools/checker and copyscape.com http://copyscape.com , or other reliable duplicate content checkers available to them. Your content plays a very important role in search engine optimization. Passing off content that you can easily find in thousands of other sites won’t help your PageRank or traffic at all. Original high-quality content is indeed the best way to optimize search engine results — and a website copywriter producing original material makes it all happen.

3. Does the website copywriter have a back-up?

When you retain the services of a ghost writer for a long period of time (to produce blocks of content, for example), you must make sure that there are contingencies in place — just in case they become unavailable all of a sudden. Having a back-up will ensure your deliverables. Moreover, you have to ask if the back-up is just as, if not more, capable than the original writer. You wouldn’t want your content quality to nosedive whenever your leased writer is temporarily unavailable. Using a copywriting company, as opposed to a single freelancer, is your best choice if delivery and quality consistency are important to you.

4. Does the website copywriter have an editor?

Some website copywriters for hire could very well be their own editors. But wouldn’t it be better if they had someone to help them with errors they could overlook themselves? Editors play a key role in this process because they make sure that the writer’s work is delivered on time, every time. They check for grammatical errors, inconsistencies in flow, compliance with your instructions, and overall quality of the writer’s work. Also, they function as project managers; they inform the writer of the topical and stylistic guidelines that the client requires.

5. Do they follow a quality-assurance process?

How can you be sure that you are getting materials that live up to your own standards? Would it cost you extra to send some back to the writer for revisions? Website copywriters should follow protocol as far as quality-assurance is concerned. First, they must submit a block sample of their work to the client. Second, they make necessary revisions after receiving client feedback. This process continues until the client gets what they want. Meanwhile, the website copywriter shoulders all costs incurred during these revisions. Quality-assurance like this will only guarantee the best results in output and client satisfaction.

6. Will the writer surrender full rights of the materials produced to the client?

All materials produced by a website copywriter must be on a purely work-for-hire basis. Ideally, the client assumes all rights to the materials obtained from the writers during the length of their employment or contract. Under the work-for-hire system, copyright ownership falls on the client and not the writer.

7. Can you, as the client, set the tone or style for the articles?

You can, as the hiring party, ask the website copywriter to follow certain parameters — specifying demographics, for instance. As the client, you must also welcome the writer’s preferences in tone and style for the job. To be able to work efficiently, you must allow them to make any suggestion that they think would cater to your audience better.

8. Will they accommodate your format requirements?

Ask for an OS platform-neutral delivery format so your text can be published correctly. These are usually in the form of .txt or .html files.

Website copywriters who offer these services and more will promote a business relationship that is result-oriented, stable, and consistent. With the best copywriter working for you, you can sit back, relax, and leave the arduous content work to them for a change.

Fritz Dorado is a website consultant. For more information on website copywriters or ghost writers, visit www.webmasterlabor.com http://www.webmasterlabor.com

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Why a Literary Agent is So Important to Your Success

July 6th, 2008 by miscallaneousblog

Ask any literary agent what they’re interested in and they’ll tell you, without a doubt, literary quality. That’s what they want. They’re looking for high-quality writing. That’s their story and they’re sticking with it.

But if you catch them in an unguarded moment, the truth might just slip out. Oh, they’re still looking for literary quality, and if that’s part of the package so much the better, but that’s not really the determining factor.

The big issue, the one that can really turn it to your advantage, is a lot simpler and, we should have guessed, a lot more predictable. The real question is, will this manuscript sell? Will it sell first to a publisher, and, then, will it sell to the general public.

The answer to the first question is why you’ve got a literary agent in the first place. Will it sell to a publisher? Well, you as an author have no idea. You can hope, you can suggest, you can rationalize and you can predict, you can see no possible alternative. Of course a publisher will want to write your manuscript. But you don’t really know.

Literary agents, the good ones, do. That’s why they’re constantly talking to trade editors at publishing houses, and publishing executives as well. They want to have their ears to the ground to scout out any trends that are developing, or, more profitably, any needs that publishers have.

“What we’re really looking for now, Sam, is a children’s chapter book that touches, gently, on the issue of terrorism and homeland security.”

“What we need is a series of gothic horrors.”

“The guys upstairs want to take a look at a new genre of romance…”

A lot of authors think that publishers make their decisions based on the manuscripts that come their way. That’s not always the case. Publishers often have their own agenda. They see the needs developing and they want to have books ready to go when the demand is right. Often they’re looking for specific kinds of books and they’re letting literary agents know about their needs so the best manuscripts can be brought to them.

And that’s good news for you. Okay, maybe you’ve spent a lot of time writing that book on science fiction trivia. The agent you’re working with says it’s a great book, but they’ve just been talking with an editor and they’re looking for a trivia book for science. Would you be up to writing it.

Yes, I can just hear all the author’s saying, “just a minute, I’ll check my schedule to see if I can fit that in.”

Agents also know, generally, which publishers are looking for which books. True, the information you have may say the publisher publishes horror stories. But you won’t know they’ve got a back log of these manuscripts and aren’t looking for any more. A good literary agent will not only know this, they’ll also know which publishers are looking precisely for the book you’ve got to offer. Getting your manuscript before the right set of eyes is half the battle when it comes to getting your book published.

Agents will also know what’s selling now, and whether this is the beginning of a new wave, or the end of an old one. They make their reputation and their relationships by helping publishers pick winners for the upcoming season. That’s why they’re so important. They have the knowledge and the contacts that you just don’t have.

They know what will sell, why, when and where. And if you hook up with an agent who is committed to their own success, you’ve just formed a partnership with an agent who is also committed to your success.

Steve Manning is a master writer showing thousands of people how they can write their book faster than they ever thought possible. Here’s your free Special Report, www.WriteABookNow.com/main.html http://www.WriteABookNow.com/main.html .

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Let Your Cat Destroy Her Own Furniture

July 6th, 2008 by miscallaneousblog

Your cat has a love-hate relationship with your furniture. She loves to scratch the furniture, but it looks like hate to you. You can end this cycle of abuse with just a little bit of understanding.

Scratching comes naturally to your cat as a way to exercise, mark territory, and sharpen her claws. She only picks the couch because it’s perfect for her; it’s tall enough to give her a good stretch, sturdy enough to get a vigorous workout, and covered in claw-catching fabric.

In other words, the couch takes the abuse that should be given to furniture that the cat owns.

Plunking a scratching post in the middle of the room isn’t enough to take the heat off the couch, however. The cat needs to know that she owns the scratching post and that she pleases you when she uses it. It also needs to be acceptable to her as a scratching surface.

As far as your cat is concerned, any scratching post should let her stretch to reach the top and take her most vigorous abuse without moving. She likes them tall and sturdy!

Covering and placement of the scratching post are important, too. Carpet is OK, but sisal rope is better and she’s a sociable animal so put it in a place where the whole family congregates and she can maneuver all around it.

Cats are very adept at learning through imitation. The easiest way to teach your cat to use her scratching post is to use it yourself. Whenever you catch her investigating her post, scratch it a few times with your own claws. She’ll get the idea very quickly.

If your cat doesn’t pay any attention to the scratching post, you can always attract her with a little catnip. Get a cardboard scratching post and set it up next to the permanent post. Cardboard posts are infused with catnip, so it will draw her attention. Also rub some catnip on the sisal rope. It’ll drive her nuts!

As aloof as they may sometimes seem, the greatest joy in your cat’s life is pleasing you. Praise her when she uses the scratching post. Give her a simple, sharp “No!” when she scratches the furniture. As she craves attention and praise, she will use her scratching post just to show off!

The very instant your cat shows any interest in using her scratching post, block her access to the old scratching areas. Acrylic shields work perfectly, but anything your cat can’t scratch will do. With her access blocked, she’ll go looking for another favorite spot and her own scratching post will be the logical choice. Within a few days, she’ll forget about her old scratching spots altogether.

Your cat only wants to abuse nice furniture. The key is, make sure it’s her nice furniture and not yours.

Brock Lorber provides cat and dog health advice. You can find more advice and great pet products at:

Nissan Motor Co and Renault SA's Chief Executive Carlos Ghosn listens to a question during a news conference in Yokohama, south of Tokyo June 25, 2008. (Yuriko Nakao/Reuters)Reuters - A current slump in the global automotive sector could give fresh impetus to plans for consolidation within the industry, the head of French carmaker Renault said on Saturday.

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Do You Have Two Heads and a Tail?

July 6th, 2008 by miscallaneousblog

One day you are your child’s best friend and the next day they would rather eat lima beans and spinach than be seen with you in public. If they’re with their friends at the mall and they see you coming, they run in the other direction. If you go to the same movie, they insist on sitting ten rows behind you. What’s the matter? Did you suddenly grow two heads and a tail?

Every parent experiences it - the time in their child’s life when it’s no longer cool to be seen with their parents. We enter into this bittersweet experience with mixed emotions. Our child is growing up and becoming independent and that’s something we’re proud of, but we also feel just a tad bit remorseful and maybe even hurt. After all, just a few short years ago public hugs and kisses were no big deal. Now they’re cause for public humiliation and teenage angst.

So how are parents supposed to handle the heartache? There are a few different ways to approach this time in your child’s life.

Bribery Will Get You Everywhere

If you really can’t bear to go to the mall without your teenager, this is the perfect time to get them the necessary clothes they need. The only way most teenagers will even consider going to the mall with mom or dad is if there’s something in it for them - and that means spending money. Is little Ms. Thing too cool to head to the plaza with you? Promise a brand new pair of jeans and things may change. Is Mr. Cool just too fabulous to be seen at the store with good old dad? The promise of a pair of sneakers may put a different spin on things.

The Waiting Game

If bribery seems abhorrent to you and there’s absolutely no way you’re going to pay your child to go out in public in your presence, then you just may have to play the waiting game. It may take a few years before you’re cool enough to go out with your son or daughter again, but it will be well worth the wait when your child grows up into an adult and realizes how cool you always were.

Enjoy It While It Lasts

You know that freedom you had before you became a parent? Well, right about now you’re getting some of it back. Instead of mourning the loss of your child’s affections and attention, relish it. Go to the movies you want to see and read the book you’ve been meaning to get to. Before you know it, your child is going to outgrow this phase and a few short years after that you may have your hands tied as a grandparent!

So rest assured, you definitely haven’t sprouted another head or a tail. Your child is just spreading their wings and exploring independence. It’s natural and it’s good for them - and though you may not realize it, it’s probably good for you too.

Copyright (c) 2006 Pat Brill

Pat Brill is co-founder of www.SilkBow.com http://www.SilkBow.com which supports Busy Moms with free gift ideas and helpful tips to meet the challenges of motherhood. SilkBow is the perfect place for the perfect gift. To contact Pat, email her at pat@silkbow.com pat@silkbow.com .

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Great Technical Writing: The Two-edged Sword Of Reader Experience

July 6th, 2008 by miscallaneousblog

Overview

When we write User Documents we rely on our Reader’s/User’s experience to simplify our work. This can cause problems for the Reader. This article will discuss the effects of Reader experience and how to minimize the negative effects of incompatible experience, and how to handle the writer’s assumptions about the Reader.

Writer’s Benefits: Relying on Reader Experience

When we write, we rely on our Reader’s experience to give us a starting point for our User Document. Often we make hidden assumptions about our Reader’s experience.

Here are some examples where relying on our Reader’s experience makes things easy (and causes problems) for us as writers:

Example: Using a Computer’s Mouse

In writing User Documentation for Graphical User Interface-based computer products (such as the Windows or Mac User interface), we assume that the the Reader knows how to use a mouse to click on items, drag, etc. This saves much background writing.

Example: Cooking: How to Measure Ingredients; Terms

Cook books save space by (usually correctly) assuming that a Reader can perform basic cooking operations (such as measuring ingredients), and terms (such as puree or slice).

Example: Common Acronyms

We rely on common acronyms such as AM and PM to simplify our writing lives. However, many Readers use a 24 hour clock, and thus AM and PM are meaningless to them.

Beware of any acronyms that you assume that your Reader knows. It is best to define acronyms in line (perhaps in parentheses) when they are first presented in that part of the User Document.

You cannot define them only the first time they appear in the User Document. This assumes — incorrectly — that Users read your User Document from start to finish.

Problems Writers Cause When Assuming User Experience

Our assumptions as writers can get us into trouble.

Example: Unfamiliar Words

Here’s a gardening example: Acme’s (a fictitious company) Illustrated Guide to Gardening in Canada (1979) makes an incorrect assumption about its Readers:

In one of their definitions they use a term, the axil of a leaf to define another term. Axil of a leaf is not listed in the book’s index, and there is no glossary in the book. Clearly this book assumes that the Reader understands the term the axil of a leaf. I don’t, and am therefore unhappy with the presentation.

Solution: Provide a glossary of gardening terms or a reference to a page in the book where the term is defined.

Example: Assuming Students’ Experience

Here is an example where an (unstated) assumption by a training company rendered one of their courses useless.

In order to do the exercises in a computer programming course, students had to be able to use an editor (a simple word processor) to program the system. The only editor available on the course machines was a UNIX editor known as vi.

Unfortunately, the students were not told that they needed to use the vi editor. The course presenters assumed that the students knew vi. The students did not, and they spent half the course time trying to learn and deal with vi.

The hidden assumption by the training company resulted in a failed learning experience (the students never needed to use vi again). It wasted two days of the four-day course time.

Don’t Present Assumptions in a Sneaky Way

If the training company had said that, We train on UNIX systems, then they leave a way out for themselves when they disappoint students who do not know the vi editor. When confronted, the company could respond with, We told you it was a UNIX system. You should know that vi is the editor available on that system.

This sneaky statement of the assumption is foolish. It will result in a lose-lose situation.

The Bottom Line

As writers, we to make assumptions about our Reader’s experience. However, if you make assumptions, then make sure that you tell the Reader what you assume about him/her.

Think about the assumptions that you make about your Reader. Are these assumptions valid (that is, can you really expect your Readers to meet your assumptions)? If there is any doubt in your mind, include information explaining the terms and procedures that you assume.

Make sure that when you state assumptions, that you present them in a way that the Reader (student) can understand what the assumption means to them. Don’t be sneaky about presenting the assumptions.

User Experience Can Cause Trouble for Writers

Your Reader’s experience can cause confusion. Here are some examples:

Example: Shampoo/Conditioner Product

One of my favorite examples is a combined hair shampoo and conditioner product. If a User has experience with the separate products, then their experience is to:

* Shampoo: Wet thenhair. Massage shampoo into the hair, then rinse it out.
* Conditioner: Wash the hair. Massage conditioner into the wet hair, leave in the hair for two or three minutes, then rinse it out.

The problem arises with the combined product. Should the User leave the product in the hair for two or three minutes (as done with the conditioner), or rinse it immediately (as done with the shampoo)?

The User Document (product label) for a combined shampoo-conditioner should tell the User how to use the two-in-one product. Most such labels do not.

Example: Words Used in Unexpected Ways

Your writing can set the expectations of the Reader, resulting in confusion when words are used unexpectedly.

An article in the Technology Section (of a newspaper on June 10, 2004, page B14) described, How the little guy can back up computer data . The article was about computers. When I came to the sentence: Let’s face it: backups are boring and a hassle to boot. I wondered about the phrase to boot.

In computer jargon, boot is the process where the computer starts up ( lifts itself by its bootstraps …by a program originally called a bootstrap loader ). Does the author’s quote about hassle to boot mean that if I do backups, then my computer will be slower ( boring ) and require more work from me to start up ( hassle to boot )?

The use of the phrase to boot is inappropriate in this article, given that to boot has multiple meanings. The author used it as slang for in addition to. Since the article was about computers, I thought of the computer meaning of to boot. The sentence would be less confusing if the author left out to boot, as: Let’s face it: backups are boring and a hassle. We’ll return to this example shortly.

Example: Functional Fixedness

An object’s function is fixed in a person’s mind. For example, a hammer’s function is to pound things. Experiments have demonstrated that people have a hard time using a hammer for an unusual function, such as a paperweight, a prop, or a lever. This is called functional fixedness.

Functional fixedness can limit the usefulness of your product. Your User Document should attempt to overcome functional fixedness. Perhaps this example will show how critical I am of User Documents.

I have a wrist global positioning satellite (GPS) device that keeps track of my long walks. Sweaters and heavy coats, needed for walking in the winter, make it difficult to wear the GPS device on the wrist. But it is a WRIST device. Functional fixedness arises, causing me struggle to use the GPS on my wrist. But it turns out that the GPS works well when used in a pocket.

The GPS User Document should mention this (obvious?) capability, thus reducing the functional fixedness associated with the WRIST GPS. In my defense: I am not sure that putting the wrist GPS in a pocket is more obvious than using a hammer as a paperweight.

Example: Humor

Humor relies on:

. a subtle knowledge of the language (for example a pun)
. or a knowledge of an event (perhaps a current event or entertainment event)

on which the humor is based. Here’s an example, from an old joke:

You’re so funny, you should be on a stage. There’s one leaving in 15 minutes.

This joke relies on the Reader’s knowing the two meanings of stage : (1) a place for performing, and (2) transportation used in the western United States in the 1800’s. Most Readers might not know the second meaning, rendering the humor a confusing waste of words.

Earlier we examined the sentence: Let’s face it: backups are boring and a hassle to boot. The author used the phrase to boot as some form of folksy talk or humor. It confused the Reader.

Eliminate Humor from Your User Document

. Humor will only confuse Users who do not understand it.
. Humor is difficult, if not impossible, to translate into other languages.

I suggest that you use a writing style that is informal and conversational, but with no attempts at humor. Remove attempts at humor when you review and revise your writing.

If you want to write humor, do it elsewhere (you should be on a stage). User Documents are no place to practice your humor.

The Bottom Line

Assumptions

Be careful about what you assume about your Reader. When in doubt whether or not a Reader knows something:

. State your assumptions about your Reader
State the assumptions in a way that the Reader can relate to
. When in doubt, add the information that you assume, or
. Tell your Reader where to find the assumed information
By providing or pointing to this assumed information, you increase your audience

Readers’ Experience

Be aware of how your Reader’s experience influences how he/she interprets your User Document or uses your product. If necessary add material to your User Document to counter your Reader’s incompatible experience.

Barry Millman, Ph.D., has a Bachelor of Science in Electrical Engineering (1966, Carnegie Institute of Technology) and a M.Sc. and Ph.D. in Psychology (Human Information Processing, University of Calgary). For more details visit: www.greatuserdocs.com http://www.greatuserdocs.com .

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Watch Movies, Music, Sports All4Free On Your PC

July 6th, 2008 by miscallaneousblog

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Watch Movies, Music, Sports All4Free On Your PC

Tony Pescatore finds and writes helpful information on topics he believes in. To check out how you can watch hundreds of LIVE worldwide channels on your PC, with no subscription payments or any other recurring payments. EVER!go to www.tpescatoreproducts.com/Recommends/SatelliteTVForPC/ http://www.tpescatoreproducts.com/Recommends/SatelliteTVForPC/

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