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	<title>Raymond Garraud</title>
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	<link>http://raymondgarraud.com</link>
	<description>Business - Technology - Culture</description>
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		<title>Raymond Garraud</title>
		<link>http://raymondgarraud.com</link>
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		<item>
		<title>10 Must-Have Tools for Time Management</title>
		<link>http://raymondgarraud.com/2012/04/11/10-must-have-tools-for-time-management/</link>
		<comments>http://raymondgarraud.com/2012/04/11/10-must-have-tools-for-time-management/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 07:38:05 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>

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		<description><![CDATA[10 Must-Have Tools for Time Management http://money.usnews.com/money/blogs/outside-voices-careers/2012/04/10/10-must-have-tools-for-time-management- &#8212;<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=588&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><strong>10 Must-Have Tools for Time Management</strong><br />
<a href="http://money.usnews.com/money/blogs/outside-voices-careers/2012/04/10/10-must-have-tools-for-time-management-">http://money.usnews.com/money/blogs/outside-voices-careers/2012/04/10/10-must-have-tools-for-time-management-</a></p>
<p>&#8212;</p>
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		<title>22 Executives Share The Best Advice They Ever Got</title>
		<link>http://raymondgarraud.com/2012/03/15/22-executives-share-the-best-advice-they-ever-got/</link>
		<comments>http://raymondgarraud.com/2012/03/15/22-executives-share-the-best-advice-they-ever-got/#comments</comments>
		<pubDate>Thu, 15 Mar 2012 07:32:06 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>

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		<description><![CDATA[22 Executives Share The Best Advice They Ever Got http://www.businessinsider.com/executives-share-the-best-advice-they-ever-got-2012-3<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=587&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><strong>22 Executives Share The Best Advice They Ever Got</strong><br />
<a href="http://www.businessinsider.com/executives-share-the-best-advice-they-ever-got-2012-3">http://www.businessinsider.com/executives-share-the-best-advice-they-ever-got-2012-3</a></p>
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			<media:title type="html">Ray</media:title>
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		<title>Whispers from Nature</title>
		<link>http://raymondgarraud.com/2012/02/25/whispers-from-nature/</link>
		<comments>http://raymondgarraud.com/2012/02/25/whispers-from-nature/#comments</comments>
		<pubDate>Sat, 25 Feb 2012 06:38:15 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Writing]]></category>

		<guid isPermaLink="false">http://raymondgarraud.com/?p=574</guid>
		<description><![CDATA[My book, Whispers From Nature &#8211; An Inspiring collection of haiku poems &#8211;  is a collection of 132 haiku poems inspired by the change of seasons and casual observations of the unity and harmony of all things.  An expression of my love of nature, the linking of opposite and complementary qualities, the simplicity that inspires joy [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=574&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://garraud.files.wordpress.com/2012/02/img_5262_23.jpg"><img class="aligncenter size-medium wp-image-577" title="IMG_5262_23" src="http://garraud.files.wordpress.com/2012/02/img_5262_23.jpg?w=300&#038;h=285" alt="" width="300" height="285" /></a></p>
<p>My book, <a href="http://www.amazon.com/dp/B004W3FYCK">Whispers From Nature</a> &#8211; An Inspiring collection of haiku poems &#8211;  is a collection of 132 haiku poems inspired by the change of seasons and casual observations of the unity and harmony of all things.  An expression of my love of nature, the linking of opposite and complementary qualities, the simplicity that inspires joy and the ordinary events we sometimes take for granted.</p>
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		<title>Small Business Outlook</title>
		<link>http://raymondgarraud.com/2012/02/15/small-business-outlook/</link>
		<comments>http://raymondgarraud.com/2012/02/15/small-business-outlook/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 06:15:45 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>

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		<description><![CDATA[Two surveys released last week say that small-business owners are feeling better than they’ve felt in more than three years and most have a positive outlook for growth and hiring. The skeptical speculator says the global economy gives no hint of recession in 2012.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=559&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Two surveys released last week say that small-business owners are <a href="http://www.washingtonpost.com/business/on-small-business/why-are-small-business-owners-feeling-so-good/2012/02/07/gIQAVsx4wQ_story.html">feeling better than</a> they’ve felt in more than three years and most have a <a href="http://www.marketwatch.com/story/citibank-survey-finds-us-small-businesses-have-greater-confidence-in-jobs-and-consumer-spending-2012-02-08">positive outlook</a> for growth and hiring. The skeptical speculator says the global economy gives <a href="http://skepticalspeculator.blogspot.com/2012/02/global-economy-gives-no-hint-of.html">no hint of recession</a> in 2012.</p>
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		<title>Speaking at the Long Island NY 140 Character Conference 5/26/11</title>
		<link>http://raymondgarraud.com/2012/02/14/speaking-at-the-long-island-ny-140-character-conference-52611/</link>
		<comments>http://raymondgarraud.com/2012/02/14/speaking-at-the-long-island-ny-140-character-conference-52611/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 08:09:58 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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			<content:encoded><![CDATA[<span style="text-align:center; display: block;"><a href="http://raymondgarraud.com/2012/02/14/speaking-at-the-long-island-ny-140-character-conference-52611/"><img src="http://img.youtube.com/vi/kxjZ1m4o4D0/2.jpg" alt="" /></a></span>
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		<title>Your iPad as a Teleprompter</title>
		<link>http://raymondgarraud.com/2012/02/01/your-ipad-as-a-teleprompter/</link>
		<comments>http://raymondgarraud.com/2012/02/01/your-ipad-as-a-teleprompter/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 05:18:32 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Apps]]></category>

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		<description><![CDATA[The last time I gave a speech, I only had one week to prepare. Although I felt confident and passionate about the subject, I still felt the need to have some key points organized on a few index cards just in case I needed to jog my memory while on stage. Today, I came across [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=498&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>The last time I gave a speech, I only had one week to prepare. Although I felt confident and passionate about the subject, I still felt the need to have some key points organized on a few index cards just in case I needed to jog my memory while on stage. </p>
<p>Today, I came across Smartphoneware&#8217;s <a href="http://itunes.apple.com/us/app/best-prompter-pro/id418419206?mt=8" target="_blank">Best Prompter Pro</a> which turns your iPad into a professional teleprompter. This app allows you to create and scroll speeches, as well as record your oratory skills for personal critiques. You can edit your speeches within the app which also estimates the length of scripts based on scrolling speed. At $3.99, this app is worth the price and is quite a useful and productive tool.</p>
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		<title>P&amp;C Insurance News and Info</title>
		<link>http://raymondgarraud.com/2012/01/31/pc-insurance-news-and-info/</link>
		<comments>http://raymondgarraud.com/2012/01/31/pc-insurance-news-and-info/#comments</comments>
		<pubDate>Tue, 31 Jan 2012 05:53:40 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Business]]></category>

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		<description><![CDATA[The information Professionals at all levels of the P&#38;C Insurance industry need to understand and stay apprised of unique market challenges, changes and opportunities can be found at Property and Casualty 360.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=490&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>The information Professionals at all levels of the P&amp;C Insurance industry need to understand and stay apprised of unique market challenges, changes and opportunities can be found at <a href="http://www.propertycasualty360.com/" target="_blank">Property and Casualty 360</a>. </p>
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		<title>The Difference Between Affect and Effect</title>
		<link>http://raymondgarraud.com/2010/10/08/the-difference-between-affect-and-effect/</link>
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		<pubDate>Fri, 08 Oct 2010 00:51:04 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Writing]]></category>

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		<description><![CDATA[As a verb, to affect means &#8216;to act upon or have an influence on&#8217;, as in &#8220;Sunless days affect my mood.&#8221; It can also mean &#8216;to make a show of; to put on a pretense of; to feign; to assume&#8217; as &#8220;to affect ignorance.&#8221;To effect means &#8216;to bring about or create&#8217; as in &#8220;to effect [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=446&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>As a verb, to <strong>affect</strong> means &#8216;to act upon or have an influence on&#8217;,  as in &#8220;Sunless days affect my mood.&#8221; It can also mean &#8216;to make a show  of; to put on a pretense of; to feign; to assume&#8217; as &#8220;to <strong>affect</strong> ignorance.&#8221;To <strong>effect</strong> means &#8216;to bring about or create&#8217; as in &#8220;to <strong>effect</strong> a change.&#8221; If you <strong>affect</strong> something, you do to it. If you <strong>effect</strong> something, you cause it to be.</p>
<p>Advertising might <strong>affect</strong> the sales of widgets (by causing them to increase), or it can <strong>effect</strong> sales (bring them about) if, for example, there were no sales at all to begin with.</p>
<p>As a noun, <strong>effect</strong> means &#8216;result, consequence, outcome&#8217;. An <strong>effect</strong> is that which is produced when you <strong>affect</strong> something: &#8220;The poem <strong>affected</strong> me deeply; it really had an <strong>effect</strong> on me.&#8221; <strong>Affect</strong> as a noun is a term from the field of psychotherapy meaning &#8216;the  emotional complex associated with an idea or mental state&#8217;. Keep in mind  that <em>usually</em> if you want a noun, the word you want is <strong>effect</strong>, but if you want a verb, the word you want is <strong>affect</strong>.﻿</p>
<p>Via <a href="http://dictionary.com" target="_blank">Dictionary.com</a></p>
<p>&nbsp;</p>
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		<title>The Difference Between Might and May</title>
		<link>http://raymondgarraud.com/2010/10/07/the-difference-between-might-and-may/</link>
		<comments>http://raymondgarraud.com/2010/10/07/the-difference-between-might-and-may/#comments</comments>
		<pubDate>Thu, 07 Oct 2010 00:59:24 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Writing]]></category>

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		<description><![CDATA[May expresses likelihood while might expresses a stronger sense of doubt or a contrary-to-fact hypothetical. The difference in degree between &#8220;You may be right&#8221; and &#8220;You might be right&#8221; is slight but not insignificant: if I say you may be right about something, there is a higher degree of probability that you are right about [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=443&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><strong>May</strong> expresses likelihood while <strong>might</strong> expresses a stronger sense of doubt or a contrary-to-fact hypothetical. The difference in degree between &#8220;You <strong>may</strong> be right&#8221; and &#8220;You <strong>might</strong> be right&#8221; is slight but not insignificant: if I say you <strong>may</strong> be right about something, there is a higher degree of probability that you are right about it than if I say you <strong>might</strong> be right about something. Example: You think Einstein is the most brilliant physicist who ever lived? You <strong>may</strong> be right. / You think it&#8217;s going to rain this afternoon even though the sun is shining this morning? Well, you <strong>might</strong> be right. <strong>May</strong> expresses likelihood while <strong>might</strong> expresses a stronger sense of doubt or a contrary-to-fact hypothetical: We <strong>might</strong> have been able to go if Keir had not been so slow to get ready.</p>
<p>Via <a href="http://dictionary.com" target="_blank">Dictionary.com</a></p>
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		<title>Miles Davis and John Coltrane</title>
		<link>http://raymondgarraud.com/2010/09/20/miles-davis-and-john-coltrane/</link>
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		<pubDate>Mon, 20 Sep 2010 04:49:06 +0000</pubDate>
		<dc:creator>Ray</dc:creator>
				<category><![CDATA[Jazz]]></category>
		<category><![CDATA[Music]]></category>

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		<description><![CDATA[One of the most important jazz albums from what many consider to be the finest period of modern jazz. The song is &#8220;So What&#8221; from the album &#8220;Kind of Blue&#8221;, one of the finest Jazz albums I own.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=raymondgarraud.com&amp;blog=1493076&amp;post=430&amp;subd=garraud&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<span style="text-align:center; display: block;"><a href="http://raymondgarraud.com/2010/09/20/miles-davis-and-john-coltrane/"><img src="http://img.youtube.com/vi/P4TbrgIdm0E/2.jpg" alt="" /></a></span>
<p>One of the most important jazz albums from what many consider to be the finest period of modern jazz. The song is &#8220;So What&#8221; from the album &#8220;Kind of Blue&#8221;, one of the finest Jazz albums I own.</p>
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