Author Archives: Susan M. Ayers

About Susan M. Ayers

I am the Owner/Writer at Susan M. Ayers/Creative Writer With Flair. My business is based in Roanoke, VA. My main interest is to partner with you to meet your writing needs. Your satisfaction is 100 percent guaranteed! The services that I offer include writing articles and blogs on a wide array of topics and business writing including press releases and white papers. Contact me today to discuss your writing needs. You will be glad that you did!

Ladies and Gentlemen – Raise Your Wine Glasses

Posted on June 4, 2011 by Susan M. Ayers

Ladies and Gentlemen – It’s time to raise your wine glasses. Virginia is home to more than 190 wineries and ranks as the number five state in wine production in the United States. I knew that wineries were on the … Continue reading →

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Casting for Recovery – Mid-Atlantic Chapter

Posted on May 27, 2011 by Susan M. Ayers

Casting for Recovery (CFR) is a wonderful support and educational program for breast cancer survivors. I had not heard of the program prior to attending the annual Virginia Fly Fishing & Wine Festival in Waynesboro. It was in the exhibitors’ … Continue reading →

Posted in Casting for Recovery, Casting for Recovery - Mid-Atlantic Chapter, Virginia Fly Fishing & Wine Festival, Virginia Fly Fishing & Winery Festival | Leave a comment

If Natural Disaster Strikes, Are You Adequately Insured?

Posted on April 18, 2011 by Susan M. Ayers

According to the Insurance Information Institute (I.I.I.), few homes have insurance coverage for earthquake or tsunami. And while standard homeowners and business insurance policies cover wind damage, including that covered by tornadoes, to the structure of the building and its … Continue reading →

Posted in Earthquakes, Homeowners and Business Owner's Insurance Coverage, Natural Disaster, Tornadoes, Tsunami | Leave a comment

Starved for Sleep? You’re Not Alone.

Posted on April 5, 2011 by Susan M. Ayers

Two out of three Americans are overweight and almost one out of five are obese according to the U.S. Centers for Disease Control and Prevention. And while most people understand the relationship between diet and exercise, few realize the relationship … Continue reading →

Posted in Obesity, weight gain | Tagged | Leave a comment

Five Essential Components of Telephone Communication

Posted on April 3, 2011 by Susan M. Ayers

There are five essential components for effective communication by phone. 1.  Listening is the most important component of communication. 2.  Silence can be a very powerful tool.  You are not learning anything when you are talking.  Depending on the situation, silence … Continue reading →

Posted in Customer Service, Telephone Communication | Leave a comment

Home-Loan Balances Reduced for More than 100,000 Mortgagors

Posted on March 31, 2011 by Susan M. Ayers

According to the American Bankruptcy Institute, U. S. banks are resisting efforts by state attorneys general to force them to reduce the amounts owed by some mortgagors facing foreclosure.  But several mortgage companies have already reduced home-loan balances for more … Continue reading →

Posted in Loan Modifications, Mortgages in Foreclosure | Leave a comment

Decline in Bankruptcy Filings May Not Be the Rosy Picture One May Think

Posted on March 12, 2011 by Susan M. Ayers

The number bankruptcies in the Western District of Virginia (including Roanoke, Lynchburg and Harrisonburg areas) decreased from 9,595 filings in CY 2009 to 8,900 filings in CY 2010. If we take a closer look, that 7 percent drop in total … Continue reading →

Posted in Bankruptcy Filings | Tagged | 1 Comment

Bankruptcy Filings Remain at a Five-Year High

Posted on March 3, 2011 by Susan M. Ayers

According to the Administrative Office of the U.S. Courts, bankruptcy filings in the federal courts rose 8 percent in calendar year 2010. The number of bankruptcies filed in the twelve-month period ending December 31, 2010, totaled 1,593,081, up from 1,473,675 … Continue reading →

Posted in Bankruptcy Filings | Tagged | Leave a comment

Is Your Doc on the Cutting Edge?

Posted on February 23, 2011 by Susan M. Ayers

I don’t know about you, but I like for my doctors to be on the cutting edge of what they do. As to “cutting edge,” errrr…pardon the pun. I had cataracts for years and over the course of the last … Continue reading →

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Goodwill Bridal Extravaganza in Roanoke and Lynchburg Tomorrow

Posted on February 11, 2011 by Susan M. Ayers

Getting married and haven’t found that special gown? Tomorrow may be the perfect time to begin searching for the wedding dress of your dreams without breaking the bank. And yes, tomorrow just happens to be the beginning of Valentine’s Day … Continue reading →

Posted in Customer Service, Goodwill Bridal Extravaganza | Leave a comment