2. Robin Sharma: Robin Sharma is the hugely popular author of books including “Monk who sold his Ferrari” and the “Greatness Guide”. Robin is well known as one of the premier experts on change management, leadership and personal mastery. Apart from being a top notch motivational speaker who conducts several seminars each year, he is also the CEO of Sharma Leadership International Inc., a well known and respected leadership development establishment that has held seminars in 50 countries with an astounding 4 million participants.

3. Marc Hogan: Marc has a growing reputation as one of the top motivational speakers in the areas of communication and sales which has made him one of the most sought after speakers in the world today. With a solid background of almost a decade in sales and marketing, Marc offers inspirational communication programs with his SALES technique which is known to produce rave results in participants. He has conducted workshops all over the UK and the world on improving communication and influencing skills.

4. Zig Ziglar: The author of a dozen well known books that deal with every aspect of selling and the sales process, Zig Ziglar is almost a celebrity of sorts in the world of marketing. With a few decades worth of strong marketing background where he sold everything from crockery to high end products, Zig is known to elucidate his point with inspiring and often hilarious anecdotes. Most sales teams have achieved remarkable results after attending one of his seminars.

5. Jim Lawless: One of the most sought after and well regarded motivational speakers in Europe, Jim has his own success story to tell in which he went from being a 36 years old, smoking, drinking, 12 stone man to a jockey weighing 9 stone, competing in a televised race in just 12 short months to prove his theories.

6. Robin Sieger: After his battle with cancer at the young age of 29, Robin knew that his vocabulary of success had been dramatically changed. A very popular, bestselling author and broadcaster on both sides of the Atlantic, Robin is a performance management expert and success strategist

7. Frank Maguire: He is a leading expert on management and communication. An ex senior vice president at FedEx, Frank was instrumental in making the company one of the most profitable business establishments for nearly two decades. Frank conducts seminars on communications, team building and leadership.

8. Susan Annunzio: Susan is a best selling author and is a sought after advisor to corporate leaders across the world. She is an expert in fashioning programs that help to increase profitability and maximize success. She offers insight on eliminating the traditional structure and managerial barriers which often prove detrimental to the success of an organization.

9. Devon Harris: Part of the Jamaican bobsled team whose story was turned into the movie “Cool Runnings”. Devon conducts seminars on overcoming adversity and cultivating dedication to goal achievement.

10. Rene Jaggi: The former CEO of Adidas International and former Chairman of H.T.M., Jaggi is well known for his seminars on success strategies and performance management.

Most of these speakers cater to a wide variety of subjects so you should not have a problem finding top motivational speakers who can do wonders for the employee performance in your organization. __._,_.___
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The List of phobias and their meanings

here is the list frm wiki– In many cases specialists prefer to avoid the suffix -phobia and use more descriptive terms, see, e.g., personality disorders, anxiety disorders, avoidant personality disorder, love-shyness.
Ablutophobia – fear of bathing, washing, or cleaning.
Acrophobia, Altophobia – fear of heights.
Agoraphobia, Agoraphobia Without History of Panic Disorder – fear of places or events where escape is impossible or when help is unavailable.
Agraphobia – fear of sexual abuse.
Aichmophobia – fear of sharp or pointed objects (as a needle, knife or a pointing finger).
Algophobia – fear of pain.
Agyrophobia – fear of crossing roads.
Androphobia – fear of men.
Anthropophobia – fear of people or being in a company, a form of social phobia.
Anthophobia – fear of flowers.
Aquaphobia – fear of water.
Astraphobia, Astrapophobia,
Brontophobia,
Keraunophobia – fear of thunder, lightning and storms; especially common in young children.
Aviophobia, Aviatophobia – fear of flying.
Bacillophobia, Bacteriophobia, Microbiophobia – fear of microbes and bacteria. Blood-injection- injury type phobia – a DSM-IV subtype of specific phobias
Chorophobia – fear of dancing.
Cibophobia, Sitophobia – aversion to food, synonymous to Anorexia nervosa.
Claustrophobia – fear of confined spaces.
Coulrophobia – fear of clowns (not restricted to evil clowns). Decidophobia – fear of making decisions. Dental phobia, Dentophobia, Odontophobia – fear of dentists and dental procedures
Dysmorphophobia, or body dysmorphic disorder – a phobic obsession with a real or imaginary body defect.
Emetophobia – fear of vomiting.
Ergasiophobia, Ergophobia – fear of work or functioning, or a surgeon’s fear of operating. Ergophobia – fear of work or functioning.
Erotophobia – fear of sexual love or sexual questions. Erythrophobia – pathological blushing.
Gelotophobia – fear of being laughed at.
Gephyrophobia – fear of bridges.
Genophobia, Coitophobia – fear of sexual intercourse. Gerascophobia – fear of growing old or aging.
Gerontophobia – fear of growing old, or a hatred or fear of the elderly.
Glossophobia – fear of speaking in public or of trying to speak. Gymnophobia – fear of nudity.
Gynophobia – fear of women.
Halitophobia – fear of bad breath.
Haptephobia – fear of being touched.
Heliophobia – fear of sunlight.
Hemophobia, Haemophobia – fear of blood.
Hexakosioihexekonta hexaphobia – fear of the number 666. Hoplophobia – fear of weapons, specifically firearms (Generally a political term but the clinical phobia is also documented). Ligyrophobia – fear of loud noises.
Lipophobia – fear/avoidance of fats in food.
Medication phobia – fear of medications.
Megalophobia – fear of large/oversized objects.
Mysophobia – fear of germs, contamination or dirt.
Necrophobia – fear of death and/or the dead.
Neophobia, Cainophobia, Cainotophobia, Cenophobia, Centophobia, Kainolophobia, Kainophobia – fear of newness, novelty.
Nomophobia – fear of being out of mobile phone contact. Nosophobia – fear of contracting a disease.
Nosocomephobia – fear of hospitals.
Nyctophobia, Achluophobia, Lygophobia, Scotophobia – fear of darkness.
Osmophobia, Olfactophobia – fear of smells.
Paraskavedekatriaph obia, Paraskevidekatriaph obia, Friggatriskaidekaph obia – fear of Friday the 13th.
Panphobia – fear of everything or constant fear of an unknown cause.
Phasmophobia – fear of ghosts, spectres or phantasms. Phagophobia – fear of swallowing.
Pharmacophobia – same as medication phobia. Phobophobia – fear of having a phobia.
Phonophobia – fear of loud sounds.
Pyrophobia – fear of fire.
Radiophobia – fear of radioactivity or X-rays.
Sociophobia – fear of people or social situations.
Scopophobia – fear of being looked at or stared at.
Somniphobia – fear of sleep. Spectrophobia – fear of mirrors and one’s own reflections.
Tapho
phobia – fear of the grave, or fear of being placed in a grave while still alive.
Technophobia – fear of technology (see also Luddite).
Telephone phobia, fear or reluctance of making or taking phone calls.
Tetraphobia – fear of the number 4.
Thanatophobia – fear of death.
Tokophobia – fear of childbirth.
Tomophobia – fear or anxiety of surgeries/surgical operations. Traumatophobia – a synonym for injury phobia: fear of having an injury.
Triskaidekaphobia, Terdekaphobia – fear of the number 13. Trypanophobia, Belonephobia, Enetophobia – fear of needles or injections.
Trypophobia, fear or anxiety from the sight of certain regular patterns or clusters of holes and other geometrical objects like lotus seed pods, honeycombs, scales, etc.
Workplace phobia – fear of the workplace.
Xenophobia – fear of strangers, foreigners, or aliens.

“I always knew I was going to be rich. I don’t think I ever doubted it for a minute”  Warren Buffett

20) How can I intimate this to my most intimate friend?

And why is it that writers write but fingers don’t fing, grocers don’t groce and hammers don’t ham? If the plural of tooth is teeth, why isn’t the plural of booth, beeth? One goose, 2 geese. So one moose, 2 meese? One index, 2 indices? Doesn’t it seem crazy that you can make amends but not one amend? If you have a bunch of odds and ends and get rid of all but one of them, what do you call it?
If teachers taught, why didn’t preachers praught? If a vegetarian eats vegetables, what does a humanitarian eat? Sometimes I think all the English speakers should be committed to an asylum for the verbally insane. In what language do people recite at a play and play at a recital? Ship by truck and send cargo by ship? Have noses that run and feet that smell?

When you are in light, everything will follow you !! But when you enter dark, even your own shadow will leave you …… This is LIFE…..

 
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Confidence with correct BODY LANGUAGE.

They say a picture is worth a thousand words; now picture yourself, approaching a woman or a prospective client, walking into a board meeting or a party. How do you look? What message do you communicate the moment you walk into a room? What are your eyes, hands and shoulders saying? What information can people gather about you before you ever say a word? Never thought about it? You should. And you can start by perusing our top 10 tips to show confidence with body language. People read your body language, often via instinct and without thinking. It’s because our poses and postures are a great source of information. They reflect our mood and our confidence level. We stand and walk a certain way when we’re confident and another way when we’re nervous. In a glance, most people can discern if we’re apprehensive or outgoing, relaxed or aggressive. With a little practice, we can learn the tips to show confidence through body language so that we always appear confident, capable and ready.

1: Avoid your pockets

The first tip on our list of the top 10 tips to show confidence with body language is to keep your hands out of your pockets. We put our hands in our pockets when we’re uncomfortable or unsure of ourselves. And as long as you have your hands stuffed down your pants, that’s how other people will view you.

Instinctually we tend to hide our hands when we’re nervous; keeping your hands out in the open indicates confidence and shows people you have nothing to hide. Also, recognize that putting your hands in your pockets encourages slouching, which isn’t good. As an alternative, try putting your hands on your hips; it’s a far more confident posture.

2: Don’t fidget

Fidgeting is a clear sign of nervousness. A man who can’t keep still, is a man who is worried, tense and certainly not confident. Your hands can be your worst enemies — fight to keep them still and steady. You can definitely talk with your hands, but keep your gesticulations calm and under control. Also, when seated, avoid that rapid leg-vibration thing that some guys do (you don’t want to look like a dog getting his belly rubbed).

3: Keep your eyes forward

Keeping your eyes level might be one of the trickiest ways to show confidence in body language. When you’re walking anywhere by yourself, it often feels natural to lower your head slightly and watch your step, but this posture communicates to others that you don’t want to engage in conversation or interact. And if you’re not careful, you might get into the habit of doing it all the time. Keep your chin up and your eyes forward, even when you’re walking down the street by yourself.

4: Stand up straight with your shoulders back

Standing up straight is one of the most important of our top 10 tips to project confidence through body language. It can be a challenge especially if you’ve been a sloucher all your life, but get over it. Standing up straight is perhaps the most important means of communicating confidence. Concentrate on pushing your shoulders back slightly when standing and walking. Nothing major, just a little. That one simple motion does wonders for your posture. Try it in front of the mirror — you’ll be surprised how much more confident it makes you look.

5: Take wide steps

A confident man will never be described as “scurrying,” “creeping” or “sneaking,” so pay attention to the way you walk. If you want to show confidence with body language you want to take large steps. Wide steps make you seem purposeful and suggest a personal tranquility, which denotes confidence in men.

6: Firm handshakes

Another of our top 10 tips for showing confidence with body language has to do with the firm handshake. There are few things worse than reaching out your hand during an introduction and getting a palm full of dead fish. Don’t be that guy. Instead, grip the other person’s hand firmly and confidently. If shaking hands with someone you’ve already met, you might even consider the two-hand grab: placing your free hand on the other person’s elbow adds warmth and enthusiasm to the handshake. Just don’t get carried away. A handshake is not a contest. Don’t try to crush the other person’s hand and don’t hold on too long.

7: Proper grooming

Imagine yourself walking into a room, maybe there are lots of beautiful women there or maybe the room is filled with respected colleagues. Now consider your appearance: four days’ worth of scruff, bad skin, hair crispy and pointy like a Backstreet Boy’s. The point we’re trying to make is that grooming is an essential component of communicating confidence through body language. You want your hair, face and even your smell to work for you, not against you. Don’t be afraid to experiment with new products to find the ones that work for you.

8: Smile

Confident people smile because they have nothing to worry about. Try this as an experiment: smile at someone as you pass them on the street or walking around the office. Chances are good that they’ll smile back. Now wouldn’t you like to have that effect on people all the time?

9: Don’t cross your arms when socializing

Crossing your arms is a protective posture. We do it when we’re cold, nervous or on guard. Think of those big, burly nightclub bouncers, crossing their 26-inch pythons while standing guard at the door to a club. Do they look like guys you want to talk to, joke with or work with? No, right? Their job is to look intimidating. Your job is to look likeable, open and confident. So relax a little and keep your arms uncrossed.

10: Use contact to show appreciation

The pat on the back is a lost art. Don’t be afraid to pat a buddy or a colleague on the back when he or she delivers a perfectly timed punch line or nails the big presentation. Most people aren’t freaked out by a hand on the shoulder and they’ll likely be appreciative of your sign of affection and respect.

contributed by: RAJENDRA DESHPANDE.
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 By SRI SWAMI SIVANANDA

-Founder of The Divine Life Society

Thoughts Cause Physiological Disorders

Every change in thought makes a vibration in your mental body and this when transmittedto the physical body causes activity in the nervous matter of your brain. This activity in thenervous cells causes many electrical and chemical changes in them. It is thought-activity whichcauses these changes.Intense passion, hatred, long-standing bitter jealousy, corroding anxiety, fits of hot temperactually destroy the cells of the body and induce diseases of the heart, liver, kidneys, spleen andstomach. It is a point worthy to note with care that every cell in the body suffers or grows, receivesa life  impulse or a death impulse, from every thought that enters the mind, for you tend to growinto the image of that which you think about most.When the mind is turned to a particular thought and dwells on it, a definite vibration ofmatter is set up and often, more of this vibration is caused, the more does it tend to repeat itselfto become a habit, to become automatic. The body follows the mind and imitates its changes. Ifyou concentrate your thought the eyes become fixed.

Thought Power Creates Environments

It is often said that man is the result of his environmental forces. This is not true. Wecannot believe this, because the facts always prove the contrary. Many of the world’s greatestmen have been born in poverty and in adverse circumstances.Many who have been born in the slums and filthy surroundings have risen to the higheststatus in the world. They have won laurels of fame and distinguished themselves in politics,literature and poetry. They have become brilliant geniuses and beacon-lights of the world. Howdo you account for this?Sri T. Mutthuswamy Aiyar, the first Indian High Court Judge in Madras was born inabsolute poverty. He had to study at night under municipal lanterns. He had not sufficient food.He was clad in rags. He struggled hard and achieved greatness. He rose above the environmentalforces by his strong will-power and iron-determination.In the West, sons of cobblers and fishermen have risen to very high position. Boys whodid polishing of boots in the streets and who were selling beer in bars and were cooking in hotelshave become famous poets and able journalists.Johnson was placed in quite adverse environments. Goldsmith was “passing rich with 40pounds a year.” Sir Walter Scott was very poor. He had no place to live in. The life of JamesRamsay Macdonald is worth mentioning. He was a man of great Purushartha. He rose frompoverty to power—from the field of labour to the status of Prime Minister of Britain. His first jobwas addressing envelopes for 10 Shillings a week.He was too poor to buy tea; so he drank water instead. His main meal every day formonths was a three-penny beef-steak pudding. He was a pupil-teacher. He took great interest inPolitics and Science. He was a journalist. He gradually through right exertion (Purushartha) roseto the position of a Prime Minister.Sri Sankaracharya, the exponent of Advaita philosophy, a spiritual giant and a brilliantgenius was born in poor, unfavourable environments and circumstances. There are thousand andone instances like these. It is quite obvious, therefore, that unfavourable environments cannotannihilate the potential greatness and excellence of the future geniuses and that one can outgrow

environments by diligent application, patience, perseverance, truthfulness, honesty, integrity,sincerity of purpose, iron-will and strong determination.

Every man is born with his Samskaras. The mind is not a tabula rasa or a blank sheet ofpaper. It contains the impressions of thoughts and actions of the previous births. Samskaras arethe latent potentialities. These good  Samskaras are valuable assets for man. Even though he isplaced in unfavourable environments, these Samskaras give him protection from extraneous,undesirable, hostile influences. They help his growth and evolution.Miss not any opportunity. Avail yourself of all opportunities. Every opportunity is meantfor your uplift and development. If you see a sick man lying down on the roadside in a helplesscondition, take him on your shoulders or vehicle to the nearest hospital. Nurse him. Give him hotmilk or tea or coffee. Shampoo his legs with Divine Bhava.Feel the all-pervading, all-permeating, interpenetrating indwelling God in him. Seedivinity in the glow in his eyes, in his cry, in his breath, in his pulsation and motion of his lungs.God has given this opportunity for you to develop mercy and love, to purify your heartand to remove Ghrina, hatred and jealousy. Sometimes if you are very timid, God will place youin such circumstances wherein you will be forced to exhibit courage and presence of mind byrisking your life. These world figures who have risen to eminence have utilized all opportunitiesto the best advantage. God shapes the minds of human beings by giving them opportunities.Remember that in your weakness lies the strength, because you will be always on youralert to safeguard yourself. Poverty has got its own virtues. Poverty infuses humility, strength,power of endurance and luxury begets laziness, pride, weakness, inertia and all sorts of evilhabits.Do not grumble, therefore, of bad environments. Create your own mental world andenvironments. That man who tries to evolve or grow in adverse environments will be a verystrong man indeed. Nothing can shake him. He will be of a sterner stuff. He will have strongnerves.

Man is certainly not a creature of environments or circumstances. He can control andmodify them by his capacities, character, thoughts, good actions and right exertion (Purushartha).Tivra (intense) Purushartha can change the destiny. That is the reason why Vasishtha andBhishma have placed Purushartha above destiny. Therefore, dear brothers! Exert. Conquer natureand rejoice in the eternal Satchidananda Atman.

Last month, the Insurance Regulatory and Development Authority (Irda) announced a slew of measures to make unit-linked insurance plans (Ulips) more attractive for policyholders from October 1.

These included capping the difference between net and gross yields at 3 per cent, limiting fund management charges at 1.35 per cent and withdrawing the surrender charge for exits after four years.

“Earlier, in the absence of any guidelines on the illustration shown at the point of sale, insurers used to charge according to their expenses. As a result, policyholders were unaware of the different costs,” said a senior executive of Life Insurance Corporation (LIC) of India. With these changes, the regulator has made Ulips more attractive.

However, policyholders will have to stay invested for the entire period of the scheme to get these benefits.

Let’s see how the changes will work. From October 1, insurers will give a benefit illustration of net and gross yields at 7 per cent and 10 per cent, respectively, as against an illustration of 6 per cent and 10 per cent, respectively, at present.

Therefore, the yield for policyholders has risen 1 per cent. To manage this, insurers will have to control their distributor/agent costs and fund management fees.

Further, by withdrawing surrender charges from fifth year onwards, Irda has given policyholders an option to exit if they are unhappy with the insurer or need funds.

If a policyholder wants to exit in the interim period of the policy term, he should remember that he will not be able to take advantage of the new guidelines.

“If an investor withdraws partially, does not pay the premium on time or switches funds frequently, he will not get good returns.” said GLN Sarma, chief actuary, Bharti Axa Life Insurance Company.

According to him, Ulips do not come with guarantees. Also, returns are totally dependent on the performance of the fund. And while policyholders are allowed three to four free switches between various fund options (which include various combinations of debt and equity), moving your money too often can hit returns. And while 10 per cent of the gross yield has to give net returns of 7 per cent, according to the new guidelines, any improvement in performance may not lead to an exact 3 per cent differential. This is because the fund management fees may go up in case the scheme performs better. So, a 15 per cent gross yield could mean 10-11 per cent returns.

The main benefit will be an increase in corpus. “While the new guidelines may not guarantee any substantial hike in returns, they will definitely increase the investible amount and possibly the returns as well,” said the LIC executive.

But remember, it will be over a long period. This is because of the high costs involved in the initial years. And there are good chances that many of these, like distributor/agent cost, will continue to remain high.

But after third or fourth year, these costs will fall substantially, leading to a higher investible corpus. This, in turn, will lead to increase in returns. That is, what an investor loses out in the initial years will be made up to ensure that the difference between gross and net yields is 3 per cent.

A person who wishes to exit after the initial four years stands to lose. This is because most of the premium in these years will go towards premium allocation charges and other costs.

SOURCE:BUSINESS STANDERED

A. Inflation 

The insurer must be aware of the changing value of the money. Claims will be met tomorrow from the premium received today. The implication of this is that cost of settling a claim may rise, not due to any increase in the magnitude of the claim itself. 

B. Interest Rates 

Insurers are major investors of funds. These funds generate substantial investment income upon which insurers depend. 

C. Exchange Rates 

Reinsurance is an international business or in the case of NRI investors opting for insurance. Whenever there is movement of money across the national borders, there is the added problem of the exchange rate risk. The insurer has to take account of this risk and the cost of managing it has to be added with the premium.