Top 10 Phrases to Avoid.                      

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The Top 10 Phrases You Should Avoid

As Financial professionals we should do our best to avoid these trite phrases that distract our audience and dilute the impact of our message. Oxford's Top-Ten Most Irritating Expressions:

1. At the end of the day
This over used cliché usually works its way into the conversation just before the speaker makes their most important point. It noses out "basically," which didn't make this year's top 10 list.

2. Fairly unique
You don't have to speak the King's English to understand that something is either unique or it is not. Something can't be "fairly unique" any more than one can be "fairly pregnant."

3. I personally
When speaking, we assume that you are representing yourself and not channeling Harry Houdini. Like another classic "to tell you the truth," we should be able to believe what you say rather than rely on you to delineate which parts are truthful.

4. At this moment in time
If you happen to be speaking to us from any other time period, your name is probably Einstein and we should all dust off our books on quantum mechanics and time relativity.

5. With all due respect
Not only trite, but can be especially irritating when used to set up a diatribe against the last speaker. It also provides a clue that the speaker has no respect for opposing viewpoints.

6. Absolutely
Alone it can't be considered a phrase, but this adverb is certainly worth including on the list. Typically used to ad emphasis or denote complete agreement; however, unless you're starring in one of the vodka maker's ultra-hip commercials, leave this one for the teenage Val-gals.

7. It's a nightmare
Yes, for those of us listening it certainly is.

8. Shouldn't of
This grammatically incorrect expression underscores the speaker's lack of education. Proper usage would be "shouldn't have." By the way, bread is done and people are finished.

9. 24/7
An abbreviation indicating something is always available, 24 hours each day, seven days a week. While it was handy and efficient at first, we should all agree to let this tired acronym retire and take its place in the Cliché Hall of Fame.

10. It's not rocket science
Wow, and so many of us thought you were a cosmonaut. First cousin to "it doesn't take a brain surgeon," this cliché is almost as insulting as it is irritating.