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No not necessary but extremely helpful for sure!
Here is a very helpful video showing how a teleprompter works.
I find it extremely helpful.
http://www.gowallaby.com/how-does-a-teleprompter-work
body language is helpful
WikiAnswers and Wikipeidia are both extremely helpful when you need to ask a question.
Yes, they can be extremely helpful if you owe a lot of debt to many different sources. They allow you to pay everything in one bill.