I need to understand the difference between indicative and subjunctive moods...in speech writing
Indicative :
The indicative mood, or evidential mood, is used for factual statements and positive beliefs. All intentions that a particular language does not categorize as another mood are classified as indicative. In English, questions are considered indicative. It is the most commonly used mood and is found in all languages. Example: "Paul is eating an apple" or "John eats apples".

The subjunctive mood, sometimes called conjunctive mood, has several uses in dependent clauses. Examples include discussing imaginary or hypothetical events and situations, expressing opinions or emotions, or making polite requests (the exact scope is language-specific).

An example of the subjunctive mood is "I suggest that Paul eat an apple". In this instance, Paul is not in fact eating an apple; the sentence merely presents the hypothetical (but unfulfilled) actions of Paul according to the speaker's suggestion. Contrast this with the indicative verb of the sentence "Paul eats an apple", in which the verb "to eat" is in the present tense and employs a mood that states an unambiguous fact. Another way of expressing the request is "I suggest that Paul should eat an apple", derived from "Paul should eat an apple."