Thursday, December 27, 2012

Achieving Specific Voice Tone During Phone Call

In a business setting, the tone of your voice can come down to be the most essential factor that makes the entire process good or not.

Crucial Elements To An Efficient Telephone Conversation

When you are speaking to someone over the phone, they are forming their own conclusion about a individual on the other line, still when they have not even met before. According to research made by communicating experts, only seven percent of the spoken communication are understood. Meanwhile, another 38 percent of the total communication process weigh on the tone of voice or the personal manner in which the oral words are presented. And finally, the left over 55 percent is alloted to the body language and expression made on the person's face.

Since the latter does not apply during a telephone conversation, the second component tone of voice is more significant here than the real words being spoken. So, the caller has to rely on that factor to reinforce the verbal communication. The next time you talk to someone over the telephone, pay better attention to how you relay the spoken subject matters to guarantee that you are getting your point across.

Factors Affecting Tone of Voice

To best figure how you can attain the proper tone of voice during a telephone conversation, there are some elements that you need to study. This is extremely significant for a business organization as part of your business communication morals as it can also create an impact on your reputation when dealing with clients.

Here are numerous components you need to pay close attention to:

*The delivery of the phone callers voice impact the tone largely. For instance, a flat voice can raise lack of involvement in a conversation or unwillingness to pay attention to what is being said.

*The volume of one's voice over the telephone can send out different messages, whether it be of confidence, commitment to clients (for business organizations), and willingness to collaborate with the person on the other line.

*The way one person stresses certain words during a telephone conversation help to highlight particular areas of the conversation and makes one realize the importance of this communication process.

*The way a individual talks over the phone can suggest a lot about their exuberance with the individual on the other line, which can frequently be a result of the factors listed above.

Importance of Using Right Tone

As repeatedly pointed out above, using the proper tone of voice is a essential issue when undertaking right etiquette during phone communication. If you are establishing telephone calls for business reasons, then the least you'd want is to elicit a sense of indifference, annoyance, restlessness, and lack of involvement. Even the smallest inflection of your voice and injective you use can communicate different meanings to the individual on the other end of the telephone.

The absence of physical contact during this form of communicating will lead the individual to rely on tone of voice, in addition to actual spoken words, to find what is truly being communicated here. And for customers verbalizing to a business organization's representative, it could imply the organization's willingness to handle the needs of the consumer.

Tuesday, December 25, 2012

Pawnshop, Payday Loan, or Title Loan: What's Right For You?

In the current economy, many people are faced with low credit scores that inhibit their loan options. Without a strong FICO score, very few options are available for those in need of a loan or line of credit. This leads a lot of people to seek out the options that are available: namely, pawnshops, payday loans, and title loans. Although all of these options provide fast cash without a credit check, they are not the same. It is wise for consumers with low credit scores, who are already in a fiscal bind, to thoroughly research the limited options that they do have and to make an informed decision based on what is the best possible service available for them.

Pawnshops are an option often utilized by those with poor credit. At a pawnshop, an individual can obtain a loan for collateral, meaning that the individual provides the shop owner with a valuable item in exchange for money. The amount of the loan exchanged for the individual's item is usually only a portion of the item's monetary worth, not to mention any sentimental attachment associated with said item.

If the borrower cannot repay the loan, the pawnshop gains ownership of said item, potentially costing the borrower the actual value of the item. In such a case that the borrower cannot repay the debt, the loan is forgiven, but the item is also lost. Since the item is worth significantly more than the loan, the borrower can potentially lose a lot of money if a loan cannot be repaid. Thus, anyone utilizing this service should make sure that the loan can be repaid prior to pawning any item. Like all loan lenders, pawnshops charge high interest on their loans, making it a less appealing option for the frugal minded.

A payday loan is a solid option for people who don't have great credit but do have steady employment. Based upon one's income, payday loans are granted in small amounts for short periods of time. Because the loan amount is small, it is more manageable to pay off when the time comes. Like pawnshops, payday loans have high interest rates.

Unlike pawnshops, however, no collateral is required for this type of loan, so the borrower is not at risk of losing valuable items if unable to repay on time. Needless to say, a borrower should always repay on time, regardless. Additionally, reputable payday loan lenders are also government regulated, meaning that the borrower can be sure that contracts will be upheld to a higher set of standards. A borrower should always read reviews and research loan lenders prior to borrowing to confirm their reputations and terms.

Title loans are another option; yet, in order to obtain a title loan, a borrower must own their vehicle and be willing to offer said vehicle as collateral should the loan go into default. This means that one's car, which may be the source of one's livelihood, is potentially at risk if the loan isn't repaid. If a borrower needs a large loan, title loans may be the way to go, as they offer bigger loans than their payday loan or pawnshop counterparts. On the downside, a bigger loan means more to pay off and they do have extremely high interest rates, making them difficult to pay in full.

All in all, payday loans are generally the best bet for small loans, but, depending on one's situation, another option may work if treated responsibly and paid off in full.

Thursday, December 20, 2012

Bank Fixed Deposits Are More Attractive Than You Believe

Fixed deposit (FDs) being the flavour of the season with their attractive interest rates and terms, I will discuss how you can get maximum benefit out of this instrument with esteem to tax as well as returns.

By investing in FDs with banks you can avail tax benefit under Section 80C. Moreover, you need not commit your funds for a very long time.

There is an declaration in advance about the returns, which is fixed for entire tenure of the investment, implying your investment is risk-free. This new product of investment i.e. term deposit scheme popularly known as fixed deposit scheme offered by banks was introduced in the budget of 2006 with effect from April 1, 2007.

Features of investment: Any entity or an HUF can invest up to Rs1 lakh under this scheme. The investment has to be made in the form of a FD with any scheduled bank for a minimum period of five years.

The maximum amount up to which a person can invest under this scheme is capped at Rs1 lakh. The minimum amount is also capped at Rs100. You can invest further money in multiple of Rs100.

The FD under this scheme can either be opened in single name or in joint names of not more than two persons one of whom can even be a minor. But the deduction available for investment under Section 80C can only be claimed by the first holder.
Hence, you should ensure that the person contributing the money is named as the first holder of such FDRs (Fixed Deposit Receipts).

Restrictions on pledge and early encashment: In my article on February 15 on National Savings Certificates (NSCs), I had mentioned that the NSCs can be pledged with government, banks including co-operative banks or cooperative credit societies for taking a loan.

But this facility of pledging and taking loan against these bank FDs is not available. Even you cannot go for premature encashment of these deposits before completion of the period of five years. So, it is important that you plan in such a manner that you do not need this money for next five years.

However, the deposit can be transferred from one branch of the same bank to another branch of the same bank (and not other bank). So if you are moving from one city to another, your fixed deposit can move with you.

Though the FD has a lock-in period of five years but in case the first holder or the sole holder dies during the term of the deposit, the second holder or the legal delegate or nominee of the deposit can request for premature withdrawals of deposit under this scheme.

Rate of interest: These FD schemes fare better than NSCs where the rate of interest is only 8% whereas these FDs presently offeryou interest up to 9.25% and that, too, for shorter term of five years against six years for NSC.

These FDs are even better than deposits under senior citizen scheme where the highest interest being offered is 9% whereas FDs offer 9.75%.

You should know that the interest earned on such fixed deposits is taxable that on interest earned on NSCs and under Senior Citizen Scheme.

The bank will deduct tax at source on the amount of interest given to the investor.

One more attractive feature of these fixed deposits as an investment avenue is that the rate of interest is fixed at the time of making the investment and is not subject to any change in the future.

Therefore, it helps you in planning your future cash flows more accurately to meet your future cash requirements.

The other beneficial feature is its term of five years. This is helpful in case you do not want to block your money for longer time like in PPF account where the money remains normally blocked for 15 years.

This is particularly important for you in case you need to have access to your money for any short-term goal in the near future like buying a house or providing for children's education or marriage expenses.

Other features: For making investment in FDs you need to have PAN which shall be mentioned on the FDR with other details like name and address of the person making the deposit. You should be careful about preserving these FDRs because in case you drop it or it is destroyed, you will have to follow an elaborate procedure for issue of spare FDRs. This involves furnishing indemnity bonds and getting either sureties or bank guarantee.

Nominations: One can appoint one or more persons as nominee to receive the money in the case of death.The nomination form can be filled either at the time of making the deposit or any time thereafter. However, in case the deposit is made for and on behalf of a minor, no nomination can be made in respect of such deposits.

In case of death of the deposit holder, the nominee can claim the money from the bank on the basis of death certificate of the unusual holder.

In case the nomination is made in favour of more than one person, all nominees will have to sign the necessary documents in order to claim the money from the bank in respect of the deposits held in the name of the deceased.

Source: [dnaindia]

Wednesday, December 19, 2012

Animal Wall Murals Can Add a Touch of Whimsy to Any Room

Every child loves animals. Stuffed animals, cartoon animals, animals at the zoo, they all have an appeal that children can't resist. Animal wall murals offer a quick and easy way to incorporate your child's love of the animal kingdom into any room in your home. Easy to put up and just as easy to take down, they can take a room from plain to kid-level wow in no time.

Animal wall murals make a great addition to your child's bedroom. But there are other places in your home where you can add them to create a welcoming and fun space for your child. Playrooms and children's bathrooms are great places to add animal murals. A breakfast nook or even a corner of your family room can be turned into an imaginative and fun area for your children.

When adding these murals, you will have your choice between friendly and domestic animals, like cats, dogs and bunnies, and animals found in the wild, like tigers and lions. There are also a slew of different dinosaur murals that you can get.

If your child is young, you may not want to put a life-like lion mural up on the wall of his or her room. A realistic mural of a wild animal can be a bit scary for younger kids. It's best to stick with either friendly animals or more cartoon-like murals so that they don't find them intimidating.

For older children, the choice is up to you. Let them go as bold and wild as they want! Although if your child is timid, you may not want to put up a mural of a tiger with teeth bared. Once again, it could be scary, especially at night. The last thing you want to do is have your child be scared of their room. But for a play area or bathroom, go as realistic as you want.

If your child is older and loves animals but doesn't want to have an animal mural up on his or her wall, then you can opt to use an animal print mural. They come in a variety of colors and sizes so your child can go as wild as he or she wants. Pink cheetah print or natural leopard print, your child will be able to create a cool and unique look for his or her bedroom.

Does your child have a photo of a favorite animal or pet? If so, you may be able to use it to create your own animal wall murals, depending on what the company offers. Some online companies allow you to personalize the mural, giving you the chance to make the space as unique as possible.

If your child is totally into the whole animal thing, then you can always order animal print bedding to go with the wall mural. Creating a whole look around the mural will make any animal lover happy with their bedroom. Getting the bedding in complementary colors and patterns will also help to pull the look of the room together.

Animal wall murals come in all shapes and sizes. You can get them as cartoony or realistic as you want. They make any kid friendly space fun and unusual and can help a child relax and have fun. Whether your child loves dogs or is fascinated with dinosaurs, you'll be able to find a wall mural that makes them happy and livens up his or her space.

Monday, December 17, 2012

Clason's "The Richest Man in Babylon" Reveals the Fastest Way to Become Financially Savvy - Part 1

Copyright 2007 Ed Bagley

George Clason's book "The Richest Man in Babylon" reveals the fastest way to become financially savvy. It works today because money is governed today by the same laws that controlled it when prosperous men thronged the streets of Babylon 6,000 years ago.

Here is a synopsis of The Richest Man in Babylon and the important financial lessons it teaches:

A self-employed chariot builder becomes discouraged when, after years of hard work, he realizes that he will never become rich. He labors hard to build the finest chariots in the land, soft-heartedly hoping that some day the Gods will recognize his worthy deeds, and bestow upon him great prosperity.

He now realizes that the Gods could give a care about the work on his excellent chariots. He longs to be a man of means, and have the lifestyle of the richest man in Babylon, who was a childhood friend.

He confers with his best friend, a musician, who reminds him that it is not enough to have a fat wallet, as a man's wealth is not in the wallet he carries, because a fat wallet quickly empties if there be no golden stream to refill it.

The chariot builder decides to confront the richest man in Babylon, who he knew in his youth, and learn how he became so rich.

The chariot builder shares his lament with the richest man in Babylon, knowing that both he and the richest man in Babylon were once equal, played the same games in childhood, studied under the same masters, had equal talent and ability, and worked just as hard; now he works just as hard but his childhood companion has become the richest man in Babylon, while he still struggles.

The rich man replies, "If you have not acquired more than a bare existence in the years since we were youths, it is because you either have failed to learn the laws that govern the building of wealth, or else you do not observe them."

The richest man then explains that he had learned how to become rich from a moneylender, for whom he had provided a service in exchange for the moneylender's secret to success.

The moneylender said, "I found the road to wealth when I decided that a part of all I earned was mine to keep, and so will you."

The money lender tells the rich man, who was then a scribe in the hall of records, to set aside one-tenth of all he earns as his portion to keep.

A year later the young scribe comes back to the moneylender, who asks him if he has kept a tenth of all he earned.

When the scribe replies yes, the moneylender asks him what he has done with it.

The scribe says he has given it to a bricklayer who was going to foreign lands to buy jewels, which he and the bricklayer would sell for profit when he returned. The scribe ends up with nothing, as the bricklayer is sold worthless glass rather than fine jewels.

"Every fool must learn", says the money lender, "but why trust the knowledge of a bricklayer about jewels? Your savings are gone," continues the moneylender, "you have jerked up your wealth-tree by the roots. But plant another. Try again. And, this time, if you would have advice about jewels, go to the jewel merchant."

Another year passes, and again the scribe goes to the money lender, to tell him that he had saved one-tenth and given it to a shield maker to buy bronze, and each fourth month the shield maker pays him rental.

"That is good," says the moneylender, "And what did you do with the rental?" "I had a great feast and bought a beautiful scarlet tunic," replies the scribe.

"You squander your savings," admonishes the moneylender. "How do you expect your savings to work for you, and generate more savings to work for you? Get yourself an army of golden slaves to work for you, then many a rich banquet you may enjoy without regret."

Two years later the scribe again goes to the money lender, to tell him that he still saves one-tenth, invests it more wisely and now continues to do so. "Each time I loaned money to the shield maker, I loaned back also the rental he had paid me. Therefore not only did my capital increase, but its earnings likewise increased."

"You have learned your lessons well," says the moneylender.

"You first learned to live upon less than you could earn. Next you learned to seek advice from those who were competent through their own experience to give it. And, lastly, you have learned how to put money to work for you.

"You have taught yourself how to acquire money, how to keep it, and how to use your money to prosper. You are now competent for a responsible position."

The scribe goes on to become the richest man in Babylon.

It was apparent that no one could do for the scribe what the scribe had done for himself. Each man has to work out his own understanding of what needs to be done, and then prepare himself to take advantage of the opportunity to succeed in a big way.

The moral to the story The Richest Man in Babylon teaches this lesson: Proper preparation is the key to our success.

Thursday, November 29, 2012


As such, more and more people are looking for an opportunity to have one. But some do not have enough cash to buy a brand new Audi. For others, they do not intend to purchase a new car to own for a long duration. If you are planning to get an Audi, would you want to buy brand new or simply lease the Audi that you are dreaming of?

The most sensible move would be to lease an Audi. Leasing is definitely a practical and economical way to get the Audi model that you want to buy. It costs less to lease the car than purchasing a brand new one. For example, the prices of brand new Audi range from around ,000 (Audi TT) to over 0,000 (2009 Audi R8). The monthly payments could be a real headache. If you lease, however, the monthly rate will be at a considerably lower level. You may also be offered an option to buy or re-lease the car after the lease duration or return it and lease another, newer model.

For people who do not intend to own an Audi for too long, leasing is the most valuable choice. They can choose the duration of the lease. There are Audi leasing companies that offer choices for the length of the plan aside from having an option which unit you would want to lease, depending on its availability. The payment terms are also flexible, so you can select a plan that fits your budget.

Leasing also saves you from the trouble of the depreciating value of the car. Today, the value of cars decline rapidly, as more models and versions with better qualities are being produced almost every year. Because of that, the prices of used cars become significantly lower. With just one or two years from purchasing the brand new unit, its price shrinks below 50% from its original cost. So if you have purchased a brand new Audi car, and you plan to sell it after some time, you will surely be on the losing end. The car that you bought at a high cost will have a drastically low rate when you sell it so consider contract hire instead.

Tuesday, November 27, 2012

Meet British Singles At Free Uk Dating Sites

Online dating is quiet popular nowadays and making buzz all over the world. Mostly the web sites are free of charges at the time of registration. Earlier online dating was most popular in the US but now it is emerging in UK too. Therefore, meet British singles at free UK dating sites. The registration and sign up is free but various sites cost you when you start communicating. You will have to fill in your credit card details if you have to read your messages or chat with other singles online. You will have to pay for the membership fees.

Dating is a cool word in UK too. This is because the popularity about free online dating sites is increasing day by day. People do not have time to go out and meet singles in bars and clubs. Life is hectic and busy. Online dating has altered the lives of various people all over the Britain. There is no other better choice than going for free UK dating sites in order to find British singles for you.

Online free dating site is now flowing into the main stream. Earlier dating agencies, and classified were used to match singles and partners. These modes were not really helpful and boastful. There are hundreds of couples who have married through online dating sites in UK and are having a great relationship together. They do not have any doubts for any thing and understand each other very well. Happy married is what they have.

Mostly the high end dating web sites include profiles of singles from around the world. You just have to join the free online dating web site and search out for singles of your interest. The choice is yours whether you wish to go for other British singles or singles out of Britain. Therefore, online dating is the best route for the UK singles to find their soul mates. If you wish to go a little higher n your search, you can go for online dating sites that are joined or connected to the bigger dating companies where in many sites cater to find locales for their respective companies. For an instance, Glad Eye is a UK based website which is a part of international dating companies.

Try it your self and you will definitely get what you want. Personal experience has different fun and feel. Nowadays, even newspapers have started up their own dating sites in UK. The services provided by these dating sites are commendable. They offer live chat, instant messages, teleconferencing and so on. This way the UK singles get enough help to get familiar with one another prior meting up personally. Free online dating services are convenient to use and follow.

You will also receive dating tips, newsletters and reviews once you have registered with the specific site. Till now, you must have understood the benefits of meeting British singles at free UK dating sites. You simply have a wide choice to choose from. It is recommended to try online dating once.