YOUR COMPENSATION PAYMENT CONTACT THE BANK FOR YOUR PAYMENT 15.pro.tok2

UNITED NATIONS PAYMENT OFFICE
COMPENSATION PAYMENT UNIT.
WEST AFRICAN REGION OFFICE
Our Ref: UNO /UN/CTB
RELEASE CODE No: 0763
mslinda@bigmir.net
Attention Fund Beneficiary;




YOUR COMPENSATION PAYMENT


Please be informed that your long awaited compensation funds payment
in the tune of $17.5M has finally been approved as your email ID is among the list of Beneficiaries that will receive their fund but it has also been brought to our notice that a gentle man by the name Micheal laton
has just forwarded a new banking details claiming he is your next of
kin and you are dead so here comes the big question:

Did you Authorize the above mentioned name to claim your funds?
Are you truly dead or alive?
Is Michael Laton your next of kin?if no kindly reconfirm this
information and get back to us with the below information for
verification as the wire will be done within 48hours from this notice:

Your name:
Current home address:
Country:
Occupation:
Telephone Number:
Age:
Gender:

We await your urgent response so that we can proceed with your
$17.5M payment. However as a matter of urgency you are advise to contact the paying bank
which is UNITED BANK FOR AFRICA {U B A} for your Fund Transfer Via KTT Wire transfer or ATM VISA CARD ,
Attention to MRS BOLA .K contact email: mrs_bola@citromail.hu
Contact her with all your contact information including copy of your Identification

Yours faithfully,
MRS LINDA DAVID
UN OFFICE
WEST AFRICA REGION HEAD OFFICE

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18 ways to improve your body language

by Henrik Edberg.

Continuing from the previous post 6 reasons to improve your body language, here is just a few of many pointers on how to improve your body language. Improving your body language can make a big difference in your people skills, attractiveness and general mood.

There is no specific advice on how to use your body language. What you do might be interpreted in several ways, depending on the setting and who you are talking to. You'll probably want to use your body language differently when talking to your boss compared to when you talk to a girl/guy you're interested in. These are some common interpretations of body language and often more effective ways to communicate with your body.

First, to change your body language you must be aware of your body language. Notice how you sit, how you stand, how you use you hands and legs, what you do while talking to someone.

You might want to practice in front of a mirror. Yeah, it might seem silly but no one is watching you. This will give you good feedback on how you look to other people and give you an opportunity to practise a bit before going out into the world.

Another tip is to close your eyes and visualize how you would stand and sit to feel confident, open and relaxed or whatever you want to communicate. See yourself move like that version of yourself. Then try it out.

You might also want observe friends, role models, movie stars or other people you think has good body language. Observe what they do and you don't. Take bits and pieces you like from different people. Try using what you can learn from them.

Some of these tips might seem like you are faking something. But fake it til you make it is a useful way to learn something new. And remember, feelings work backwards too. If you smile a bit more you will feel happier. If you sit up straight you will feel more energetic and in control. If you slow down your movements you'll feel calmer. Your feelings will actually reinforce your new behaviours and feelings of weirdness will dissipate.

In the beginning easy it's to exaggerate your body language. You might sit with your legs almost ridiculously far apart or sit up straight in a tense pose all the time. That's ok. And people aren't looking as much as you think, they are worrying about their own problems. Just play around a bit, practice and monitor yourself to find a comfortable balance.

1. Don't cross your arms or legs – You have probably already heard you shouldn't cross your arms as it might make you seem defensive or guarded. This goes for your legs too. Keep your arms and legs open.

2. Have eye contact, but don't stare – If there are several people you are talking to, give them all some eye contact to create a better connection and see if they are listening. Keeping too much eye-contact might creep people out. Giving no eye-contact might make you seem insecure. If you are not used to keeping eye-contact it might feel a little hard or scary in the beginning but keep working on it and you'll get used to it.

3. Don't be afraid to take up some space – Taking up space by for example sitting or standing with your legs apart a bit signals self-confidence and that you are comfortable in your own skin.

4. Relax your shoulders – When you feel tense it's easily winds up as tension in your shoulders. They might move up and forward a bit. Try to relax. Try to loosen up by shaking the shoulders a bit and move them back slightly.

5. Nod when they are talking – nod once in a while to signal that you are listening. But don't overdo it and peck like Woody Woodpecker.

6. Don't slouch, sit up straight – but in a relaxed way, not in a too tense manner.

7. Lean, but not too much – If you want to show that you are interested in what someone is saying, lean toward the person talking. If you want to show that you're confident in yourself and relaxed lean back a bit. But don't lean in too much or you might seem needy and desperate for some approval. Or lean back too much or you might seem arrogant and distant.

8. Smile and laugh – lighten up, don't take yourself too seriously. Relax a bit, smile and laugh when someone says something funny. People will be a lot more inclined to listen to you if you seem to be a positive person. But don't be the first to laugh at your own jokes, it makes you seem nervous and needy. Smile when you are introduced to someone but don't keep a smile plastered on your face, you'll seem insincere.

9. Don't touch your face – it might make you seem nervous and can be distracting for the listeners or the people in the conversation.

10. Keep you head up – Don't keep your eyes on the ground, it might make you seem insecure and a bit lost. Keep your head up straight and your eyes towards the horizon.

11. Slow down a bit – this goes for many things. Walking slower not only makes you seem more calm and confident, it will also make you feel less stressed. If someone addresses you, don't snap you're neck in their direction, turn it a bit more slowly instead.

12. Don't fidget – try to avoid, phase out or transform fidgety movement and nervous ticks such as shaking your leg or tapping your fingers against the table rapidly. You'll seem nervous and fidgeting can be a distracting when you try to get something across. Declutter your movements if you are all over the place. Try to relax, slow down and focus your movements.

13. Use your hands more confidently – instead of fidgeting with your hands and scratching your face use them to communicate what you are trying to say. Use your hands to describe something or to add weight to a point you are trying to make. But don't use them to much or it might become distracting. And don't let your hands flail around, use them with some control.

14. Lower your drink – don't hold your drink in front of your chest. In fact, don't hold anything in front of your heart as it will make you seem guarded and distant. Lower it and hold it beside your leg instead.

15. Realise where you spine ends – many people (including me until recently) might sit or stand with a straight back in a good posture. However, they might think that the spine ends where the neck begins and therefore crane the neck forward in a Montgomery Burns-pose. Your spine ends in the back of your head. Keep you whole spine straight and aligned for better posture.

16. Don't stand too close –one of the things we learned from Seinfeld is that everybody gets weirded out by a close-talker. Let people have their personal space, don't invade it.

17. Mirror – Often when you get along with a person, when the two of you get a good connection, you will start to mirror each other unconsciously. That means that you mirror the other person's body language a bit. To make the connection better you can try a bit of proactive mirroring. If he leans forward, you might lean forward. If he puts hands in pocket, you might do the same. But don't react instantly and don't mirror every change in body language. Then weirdness will ensue.

18. Keep a good attitude – last but not least, keep a positive, open and relaxed attitude. How you feel will come through in your body language and can make a major difference. For information on how make yourself feel better read 10 ways to change how you feel and for relaxation try A very simple way to feel relaxed for 24 hours.

You can change your body language but as all new habits it takes a while. Especially things like keeping you head up might take time to correct if you have spent thousands of days looking at your feet. And if you try and change to many things at once it might become confusing and feel overwhelming.

Take a couple of these body language bits to work on every day for three to four weeks. By then they should have developed into new habits and something you'll do without even thinking about it. If not, keep on until it sticks. Then take another couple of things you'd like to change and work on them.

 

Best Regards,

Hemal Kansara

Types of Wealth

Have you heard about rich people who are not happy at times?

 

Do you know about those people who have a very good job, they are earning well but complaining that they are not happy?

 

Who is a wealthy person? Do you think that a person is wealthy when he or she has lots and lots of money?

 

I think there is more to wealth than money only.

 

We all are wealthy in one way or the other. Really  Believe me!

 

In my view, a wealthy person is always happy. Why?

 

Because there are seven types of wealth:

 

1. Inner wealth:

 

Having a positive mental attitude is a type of wealth. Positive people with positive outlook of the world can be happy – Always.

 

Try this: Have a positive mental attitude and try to be sad at the same time. I don't think its possible. With positive attitude, life appears to be positive. Inner wealth really helps.

 

2. Physical wealth:

 

Health is wealth! A person who is not healthy cannot enjoy life. If you want to learn importance of wealth, ask some one who is not feeling well.

 

3. Family wealth:

 

Do you have loving parents or a caring brother or sister or friends who can come to your help at any time you want? Family and friends are another form of wealth.

 

4. Career wealth:

 

When we reach at the top of our career, we feel a sense of fulfillment. This is another type of wealth.

 

5. Economic wealth:

 

Money is not the only important thing in life but it is one of the important things and hence, it is needed. Some one said: The more I have, the more I can give. So, earn more to give more.

 

6. Adventure wealth:

 

We feel happy when we visit new place or meet new exciting people. We feel happy when we are able to take a challenge and deliver more than expectation. Adventure is another form of wealth

 

7. Impact wealth:

 

What is our mission in life?

 

What is the impact we can make on our environment? Can we do some thing to improve life of people who need our support or help? Think about it. People who have impact around their environment show that they have impact wealth.

 

So, next time, think that you are wealthy when you have inner wealth. When you have a caring family or caring friends or when you are healthy or when you progress in your career you are wealthy! Think and thank!

 

Life depends on this ?

Look for 1 3 and 6 and ignore use of that........

--
Regards,
Hemal Kansara

http://hemal.mp

http://snipr.com/valuereadings

--
Regards,
Hemal Kansara

http://hemal.mp

Fourteen Strategies to make better decision

1. Involve colleagues who see the world differently from you.
2. Fight the temptation to solve today's problem with yesterdays solution
3. Solve problems with a win-win orientation
4. Solicit information from individuals affected by the decision
5. Make sure you are solving the right problem
6. Consider as many solution as possible.
7. Realize that even the best solution may open the door to new problems.
8. If you are using hard data as the basis of your decision, verify the numbers.
9. When you make a decision affecting others, share the reason behind the decision.
10. Think in terms of satisfying, not optimization.
11. Ask a lot of questions.
12. Learn from prior decisions
13. Ask for criticism.
14. Recognize your personal decision making biases

 

 

 

7 Income Tax saving tips you might not know

http://www.jagoinvestor.com 7 Income Tax saving tips you might not know : [with Video] : Jagoinvestor

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7 Income Tax saving tips you might not know : Posted: 10 Jan 2011 12:18 PM PST Haven't you gotten bored of regular tax saving tips? Are you looking for some tips which are different, kinda unique and not very well known? If yes, then you're reading the right article, mate! I will share some tips which would help you in area of tax saving. Some of these tips will help you in this, current year and some, at some later point. But helpful at some level, they will be  . Below is a video on this topic where I explain those 7 tips. Incase you dont want to watch the video , you can just skip it and move forward to read the tips in text . Let's look at them. If you are reading this article on email, you can watch the video on youtubehere 1. Gift money to your major children and Save tax on Future Income Imagine this, you have Rs 25 lacs. Logically you put this in a fixed deposit or invest in some other financial product through which you get an interest at 8%. You will get Rs 2  lacs as interest which will be added to your income and you pay tax on this income. Not good! Now what? How do we save tax on these 2 lacs? As per income-tax laws you can gift any amount of money to your major children without attracting gift-tax and as their money will become theirs any income arising out of it would be treated as their income, not yours. In case their income is below the limits, there won't be any tax. However there can be times, where you might not feel too comfortable gifting away large amounts of money to your major children, in which case, there is another option of giving them loans. And guess what? you can make interest-free loans to your major children as per the law  . Please note that doing exactly the same thing with your spouse is not possible. Any income you transfer to your spouse which generates any income will be treated as your income only. However, if you are going to be married in some months and you have some big amount of cash, you can gift her right away, as gift given to prospective wife would become hers lawfully! 2. Claim stamp duty and registration fees in 80C Many people dont know this, but the Stamp duty and the registrationfees of the documents for the house can be claimed as deduction under section 80C in the year of purchase of the house. An important point to note here is that you should be in possession of the house if you want to claim these deductions. So in case of under-construction properties, you lose out on claiming this deduction. As per the income tax The stamp duty, registration fee and other expenses incurred for the purpose of transfer shall also be covered. Payment towards the cost of house property, however, will not include, admission fee or cost of share or initial deposit or the cost of any addition or alteration to, or, renovation or repair of the house property which is carried out after the issue of the completion certificate by competent authority, or after the occupation of the house by the assessee or after it has been let out. Payments towards any expenditure in respect of which the deduction is allowable under the provisions of section 24 of the Income-tax Act will also not be included in payments towards the cost of purchase or construction of a house property. 3. Get deduction for rent even without HRA All the salaries class people get HRA from their companies, and hence they claim deductions on that. However, what if you are self-employed professional or working for a company who does not provide you HRA benefit? Can you still claim HRA? Yes! But with some caveats. Under Section 80GG, you can claim deduction of the rent paid even if you don't get HRA. However not many people are aware of this deduction. If you are not being paid any HRA or don't have any housing benefit from employer. You can claim least of following 3 things as HRA a) Rent paid less 10% of total income b) or Rs 2,000 a month; c) or 25% of total income. Note that your spouse or minor child should not own any house with the city limit if you want to claim this benefit , You will have to submit a form called 10-BA that you are paying rent and not receiving HRA. Bonus tip : If you are staying with your parents, you can pay them rent. If they don't have significant income, it would mean you save tax on rent paid and even your parents income does not cross the tax limits, which is a win-win situation. 4. Declare your losses in tax return to save tax in future A lot of people do not show their losses in shares, mutual funds, gold ETFs, real-estate in their tax returns. This is a big mistake, as you lose an opportunity to save tax in future years. You can set-off your losses against profits in current year as well as in the future too. For example : Assume you had sold your real-estate property and made a profit of 10 lacs after indexation. You will have to pay a tax of Rs 2 lacs @20%. However suppose in the same year you have also made a loss of Rs 4 lacs in stocks , you can set-off this loss with your 10 lacs profit and just pay tax on Rs 6 lacs , which comes at 1.2 lacs only. That's a cool 80k in savings! Also if you have only losses this year and no profits, you can show this loss in your tax returns and carry forward and set-off this loss against any future profits for next 8 yrs. For more details read this article. 5. Buy House with Parent or Siblings as joint-owners Yes, if you thought only spouse can be co-owner in the real-estate property to claim the tax deductions, you don't know the whole story. You can have your spouse/parent/siblings as co-owner and all the co-owners can claims the tax deductions of 1 lacs for principal and 1.5 lacs for interest part . So if you take a housing loan with your siblings as co-owner of property and co-Borrower of loan, the loan amount interest and principle paid will be available for tax exemption in ratio of your loan amount. So if you are still a bachelor or a single who wants to buy a house, consider asking your brother, sister or parents to become the co-owner so that both of you can get tax benefits and reduce your tax-outgo. The only problem in this case is that loan-sanctioning companies are very stringent in giving loans to siblings, as their are higher chances of you parting your ways with them later in case of any family issues, however in case of spouse it happens lesser. Bonus Tip : The co-owner who falls in the higher tax bracket should hold a higher proportion of home loan to make sure that the tax benefits are maximised. 6. Use education loan to lower tax for your Children in Future So what, if you have all the money to pay for your children's education fees? It would be wise to opt for an education loan in name of your children's name as you can claim the full interest paid on education loan under section 80E. Note that its only available if you are a parent or a legal guardian . You can't claim deduction for your spouse education loan  The other thing is that you can take education loan on your children name so that after some years when they pay off their loans, they can claim the deductions themselves. Apart from this, they'd be more responsible and this education loan payment from their pocket will make sure that they don't spend to much money in wrong places and you can use your money today some where else! 7. Take unlimited deductions for your second home loan interest payment If you have already bought first home where you are living right now and want to buy another house, the good news is that you can claim full interest paid for the EMIs of second house. As per tax laws, you can claim full deductions for the amount paid as interest on loan for second house. For the first house you can claim up to 1.5 lacs in interest, however for your second house you can claim full amount of interest without any upper limit! . Read some tips on buying real-estate Share your views on which one of these tips is applicable for you ? Also do you know any other tip which you want to share ? So what, if you have all the money to pay for your children's education fees? It would be wise to opt for an education loan in name of your children's name as you can claim the full interest paid on education loan under section 80E. Note that its only available if you are a parent or a legal guardian . You can't claim deduction for your spouse education loan  The other thing is that you can take education loan on your children name so that after some years when they pay off their loans, they can claim the deductions themselves. Apart from this, they'd be more responsible and this education loan payment from their pocket will make sure that they don't spend to much money in wrong places and you can use your money today some where else! 7. Take unlimited deductions for your second home loan interest payment If you have already bought first home where you are living right now and want to buy another house, the good news is that you can claim full interest paid for the EMIs of second house. As per tax laws, you can claim full deductions for the amount paid as interest on loan for second house. For the first house you can claim up to 1.5 lacs in interest, however for your second house you can claim full amount of interest without any upper limit! Which of the above tips were new for you ? Can you share any tip which you know but its not covered here ? Please comment .