INFORMATION IS WEALTH

Professional Management FUNDAS

Today's Professional Management FUNDAS


1."We will do it" means "You will do it"


2."You have done a great job" means "More work to be given to you"


3."We are working on it" means "We have not yet started working on the same"


4."Tomorrow first thing in the morning" means "Its not getting done "At least not tomorrow!"


5."After discussion we will decide-I am very open to views" means "I have already decided, I will tell you what to do"


6."There was a slight intercommunication" means "We had actually lied"


7."Lets call a meeting and discuss" means "I have no time now, will talk later"


8."We can always do it" means "We actually cannot do the same on time"


9."We are on the right track but there needs to be a slight extension of the deadline" means "The project is screwed up, we cannot deliver on time."


10."We had slight differences of opinion "means "We had actually fought"


11."Make a list of the work that you do and let's see how I can help you" means "Anyway you have to find a way out no help from me"


12."You should have told me earlier" means "Well even if you told me earlier that would have made hardly any difference!"


13."We need to find out the real reason" means "Well I will tell you where your fault is"


14."Well Family is important; your leave is always granted. Just ensure that the work is not affected," means, "Well you know..."


15."We are a team," means, "I am not the only one to be blamed"


16."That's actually a good question" means "I do not know anything about it"


17."All the Best" means "You are in trouble"

Intresting one

A mechanic was removing the cylinder heads from the motor of a car when he spotted the famous heart surgeon in his shop, which was standing off to the side, waiting for the service manager to come to take a look at his car.


The mechanic shouted across the garage,” Hello Doctor!! Please come over here for a minute."


The famous surgeon, a bit surprised, walked over to the mechanic.




The mechanic straightened up, wiped his hands on a rag and asked argumentatively, "So doctor, look at this. I also open hearts, take valves out, grind 'em, put in new parts, and when I finish this will work as a new one. So how come you get the big money, when you and me is doing basically the same work? "


The doctor leaned over and whispered to the mechanic.....

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He said: "Try to do it when the engine is running".

Joke & Quotes

This is a very funny joke I received some time ago from a friend. I believe it’s worth sharing… hope it will make your weekend a much better one. Enjoy… make sure you read till the end.

One politician, one thief and an INTEL Manager died. They went straight to hell. Don’t ask me why hell, but not heaven.

The politician said “I miss my country. I want to call my country and see how everybody is doing there.” She called and talked for about 5 minutes, then she asked “Well, devil how much do I need to pay for the call?”.

The devil said “Five million dollars”.

The politician wrote him a check immediately and went to sit back on her chair.

The thief saw all these and was so jealous, he started screaming, “My turn! I want to call my group members, I want to see how everybody is doing there too!”

He called and talked for about 2 minutes, then he asked “Well, devil, how much do I need to pay for the call? Make sure it’s cheap enough.”

The devil said “Ten million dollars”.

He smashed his forehead. But he still made a check and went to sit back on his chair.

The INTEL Manager was even more jealous and started screaming, “I want to call my office friends and managers too.”

He called other INTEL employees and he talked for twenty hours about cost cutting measures, stock gains, market segments, improvising, automation,… he talked and talked and talked. Finally, when he’s done he asked “Well, devil how much do I need to pay for the call?”

The devil answered “Twenty dollars”.

The INTEL Manager was stunned and asked for confirmation, “Twenty dollars? Only??”

Devil said…






Calling from Hell to INTEL is a local call!


"Ability may get you to top, but it takes character to keep you there!"

No one is born happy ..
But all of us are born with the ability to create happiness ..
So today, make others happy ..
Flash your sweetest Smile..

Smart Ways to tackle INCOME TAX

Submitting proof of investments is an extremely traumatizing affair for all salaried individuals. First, you have to deal with the painful task of collecting and organizing hordes of receipts. To top it off are the anxiety levels of not knowing if you’ve invested enough and worrying about how much money you’ll lose to tax in the following couple of months.

Naturally, we all have tax consultants, who will tell us what we need to do to ensure the least possible impact of tax, but it’s even more helpful if we, ourselves are very clear on exactly how much of our salary can we claim as exempted from tax. This way, we know exactly how much we must invest to minimize tax liability. Make no mistake, investing in order to save tax is absolutely necessary, but knowing deductibles on your salary ensures you don’t overdo your tax saving investments.

Basic salary: high or low?
If you earn a salary of Rs 1,00,000 per month, you are definitely aware that the basic amount in your salary is taxable. A high basic salary will come in good stead when you retire, but the flip side, as mentioned above is the tax liability of the same. Let’s say your basic is Rs 40,000. That would make your HRA as 20,000, which can only be claimed as tax deductible if you submit proof of rent to your employer.

Allowances: Double edged sword
Take note that any allowances included as a fixed component in your salary, like petrol, mobile phone bills, etc will be tax deductible. However, if the same were being given to you separately as reimbursement, these aren’t deductible for tax. So, if your pay package has reimbursements as opposed to allowances and that too separate from your monthly package these can be claimed as exempt from tax.

Provident Fund contribution
The Provident Fund contribution from your salary is deductible. You don’t really need to specify this in your declaration. This is something your employers factor in when deducting tax. If you have switched jobs and requested for withdrawal of PF, then the number of years of service will determine whether that withdrawn PF amount is taxable or not. According to the law, PF withdrawal after continuous service of 5 years (with single or multiple employers) is exempt from tax. So, if you’ve worked for less than 5 years, then the interest component on PF is treated as ‘income from other sources’ and is hence taxable. Also, the employer’s contribution is considered as income and is therefore taxable.

Home loans: boon and bane
There is one oft-used and essential tax-saver – home loans. What is commonly done (if both partners are working) is that one partner shoulders the EMI responsibility while the other handles the household expenses. Instead what can be done is that both the partners become co-applicants to the loan. This mean each can claim the rebate individually. Let’s say, the rebate to the loan is Rs 1,00,000 plus another lakh on principal amount, if you have a co-applicant to the loan, then each of you can individually claim Rs200,000 (that’s Rs400,000 in total). Use the rest of your taxable income for some sensible investment then. Note though, home loan tax benefits will come to both the co-applicants only if each has a source of steady income (and proof of payment made is submitted by both). Dependent partners can be co-applicants but won’t avail tax benefits if they aren’t earning.

And, finally education
Another expenditure to take note of, is the amount you spend on your child’s education. In your child’s school fees, there is the tuition fee component, which is entirely tax deductible (under Section 80 C). So keep those receipts handy.
These are some basic deductions, applicable to salaried individuals that need to be factored in before you invest (last-minute) for ‘tax purposes’.

Have a wonderful Day

Anger is a condition in which
the tongue works faster than the mind.

You can't change the past,
but you can ruin the present
by worrying over the future.

God always gives His best to those
who leave the choice with Him.

All people smile in the same language.

A hug is a great gift... one size fits all.
It can be given for any occasion
and it's easy to exchange.

Everyone needs to be loved...
especially when they do not deserve it.

The real measure of a man's wealth
is what he has invested in eternity.

Laughter is God's sunshine.

Everyone has beauty
but not everyone sees it.

It's important for parents to live
the same things they teach.

Thank God for what you have,
TRUST GOD for what you need.

If you fill your heart with regrets of yesterday
and the worries of tomorrow,
you have no today to be thankful for.

Man looks at outward appearance
but the Lord looks within.

The choice you make today
will usually affect tomorrow.

Take time to laugh, for it is
the music of the soul.

If anyone speaks badly of you,
live so none will believe it.

Patience is the ability to idle your motor
when you feel like stripping your gears.

Love is strengthened by working
through conflicts together.

The best thing parents can do
for their children is to love each other.

Harsh words break no bones
but they do break hearts.

To get out of a difficulty,
one usually must go through it.

We take for granted the things
that we should be giving thanks for.

Love is the only thing that can be
divided without being diminished.

Happiness is enhanced by others
but does not depend upon others.

For every minute you are angry with someone,
you lose 60 seconds of happiness
that you can never get back.

Do what you can, for who you can,
with what you have, and where you are.

CONFIDENCE:
Once all village people decided to pray for rain. On the day of prayer all people gathered and only one boy came with an umbrella....
That's Confidence..

TRUST:
Trust should be like the feeling of a one year old baby when you throw him in the air; he laughs.....because he knows you will catch him....
That's Trust..

HOPE:
Every night we go to bed, we have no assurance to get up alive in the next morning but still we have plans for the coming day....
HAVE CONFIDENCE…!! TRUST OTHERS…….!!!NEVER LOSE HOPE……!!

Steps For Healthier Life

In the late 20th century, along came aerobics, isometrics, Richard Simmons, Dr. Atkins, and a nonstop barrage of exercise gadgets, all of which have left the average person dazed, confused, and in worse shape then ever! So what really works? Here are some helpful tips for getting in shape.

1. Follow a balanced exercise program.

A brisk 30-minute walk while enjoying the sunset will burn 1,500 calories per week that's 78,000 calories a year! Cardio is great for your heart and lungs, but add a couple sessions of weight training to tone or build muscle.

2. Schedule family fitness time.
Play basketball, chase a Frisbee, or hike the hills together. You'll be getting closer to each other as you shape up.

3. Invest in a jump rope.

It's a great workout anytime. Set a goal of skipping rope for ten minutes per day and watch those love handles melt away.

4. Get a training partner.
Knowing that someone is waiting is great motivation to get on with it. You'll also have a ready-made spotter.

5. Exercise in water to relieve stress on the joints and back.

Check out the aerobics programs at your local pool and go aqua -- the wave of the future.

6. Get active at work.
Walk around outside on your breaks. When in front of a computer, sit up and pull in your abs.

7. Eat more frequent, smaller meals.

It is better to eat six small meals a day than three large meals. The smaller the meal, the less your stomach will stretch.

8. Hydrate with water.

Drink at least eight glasses of water every day. This does not include coffee, soda, or fruit-flavored drinks, which have extra calories.

9. Don't pollute your body.
Avoid tobacco, excess alcohol, and illegal drugs. These are bad for health and can also inhibit weight loss.

10. Always eat a good breakfast.
Skipping breakfast is a method of dieting for many people. But studies have found that people who eat breakfast are actually less likely to be obese.

11. Start cooking healthy.
Stop frying your food and opt for roasting or grilling instead. Frying only adds unnecessary calories to food.

12. Enjoy every morsel of food.

When eating, chew food slowly. Relish it and pay attention to flavors and taste. The longer you chew, the fuller you'll feel!

13. Be an early riser.

Start your day early. Rising with the sun helps reset your body's clock. This builds better sleep patterns so you're energized all day.

14. Be sun smart.

Skin cancer is the most common type of cancer. Sun exposure increases your risk, so when you're in the heat of it, either cover up or slip, slap, slop on a high SPF sunscreen!

15. Stay emotionally in shape.
Poor emotional health can weaken your body's immune system. Don't ignore what's going on in your heart and mind. It is healthy to acknowledge your emotions.

16. Keep your teeth healthy.

A common cause of tooth loss after age 35 is gum disease. Keep your teeth and gums healthy and free of plaque by brushing and flossing every day.

17. Eat five or more servings of fruits and veggies per day.
Keep fruits and vegetables on the front shelves of your refrigerator so they are easy to get to when you reach for a snack!

18. De-stress your life.

Stress can cause or aggravate many health conditions. So, don't sweat the small stuff!


19. Know thyself.
Knowing your family's health history can help you stay healthy. Many diseases are hereditary and preventable with early screening.
20. Look after your mental health. Depression is a serious illness that needs to be treated. It's not your fault, so you shouldn't be afraid to talk to a doctor for help.

21. Get a good night's sleep.

Lack of sleep causes stress on the body. It increases cortical and insulin, promoting fat storage and making weight loss difficult.

22. Ladies, perform regular breast examinations.

The best time to perform breast self-examination is the week after your menstrual period, when breast tissue is less tender and swollen.

23. Take a nap.
Many have commended the benefits of a good 30- to 45-minute nap a day to keep refreshed and lower stress. Try it -- it doesn't mean you've passed your use-by date!

24. Open your lungs.

Sing your heart out! It doesn't matter what you sound like! In the shower, in the car, or wherever you are, sing out loud. It's a great stress reliever.

25. Take time to enjoy your life.

While it's important to do a good job and take care of responsibilities, life is also meant to be enjoyed. Loosen up! Laugh at yourself, and play as hard as you work!

Source: From NET

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Happiness

Good Morning

Don't ever give up
Failure and Success is in everyone's cup

Rain becomes more enjoyable if it follows a sunny day
Food become more relishing if for days Hungary you stay

So, don't ever give up
Failure and Success is in everyone's cup

Gold becomes beautiful ornament by molding and heating
Marble becomes beautiful status by carving and beating

So, don't ever give up
Failure and Success is in everyone's cup

Pebble becomes smooth by constant rolling
Pencil becomes usable by sharpening

So, don't ever give up
Failure and Success is in everyone's cup

Importance of Breakfast


Breakfast can help prevent strokes, heart attack and sudden death. Advice on not to skip breakfast!

Healthy living. For those who always skip breakfast, you should stop that habit now! You've heard many times that 'Breakfast is the most important meal of the day.' Now, recent research confirms that one of the worst practices you can develop may be avoiding breakfast. Why?

Because the frequency of heart attack, sudden death, and stroke peaks between 6: 00a.m. and noon, with the highest incidence being between 8: 00a.m. and 10:00a.m.What mechanism within the body could account for this significant jump in sudden death in the early morning hours? We may have an Answer. Platelet, tiny elements in the blood that keep us from bleeding to Death if we get a cut, can clump together inside our arteries due to Cholesterol or plaque buildup in the artery lining. It is in the morning hours that platelets become the most activated and tend to form these internal blood clots at the greatest frequency.

However, eating even a very light breakfast prevents the morning platelet activation that is associated with heart attacks and strokes. Studies performed at Memorial University in St.Johns, Newfoundland found that eating a light, very low-fat breakfast was critical in modifying the morning platelet activation. Subjects in the study consumed either low-fat or fat-free yogurt, orange juice, fruit, and a source of protein coming from yogurt or fat-free milk. So if you skip breakfast, it's important that you change this practice immediately in light of this research. Develop a simple plan to eat cereal, such as oatmeal or Bran Flakes, along with six ounces of grape juice or orange juice, and perhaps a piece of fruit. This simple plan will keep your platelets from sticking together, keep blood clots from forming, and perhaps head off a potential Heart Attack or stroke.

Friends never ever skip breakfast!