Merchant Account and the Credit Card (part 2 of 2)

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The right credit card as a key to avoid financial troubles

Merchant account is an inevitable part of any credit card acquisition and transaction. This is because it enables the individual to create purchase and other transaction without having to worry too much about safety. However, the advantages and benefits of having the right merchant account provider come with the wise choosing of credit card itself.

To avoid financial and debt troubles, people who rely on credit cards must be very careful in acquiring one. Choosing the right credit card will not only pave the way to finding the right merchant account provider but can also veer you away from debt problems. People who are planning to apply for a credit card must pay attention to the merchant account provider to ensure that he or she will reap benefits in the long run. Here are some considerations before applying for a credit card:

- The Merchant account provider. This is very important because it will determine how smooth-sailing your transactions would be. Most credit card providers do not usually divulge the merchant account provider thinking that this is not something that would really concern the client. If you want to ensure that there will be no problems in your future transactions, take time to know the merchant account provider behind the credit card line that you are applying for.

- Pay attention to interest rates. This can be referred to as "fixed-rate" or "adjustable rate" in most credit cards. People who are not into low APR credit cards, they would want to avail of fixed rate credit cards because even if the rate is a point or two higher than the usual, this ensures that people can pay off their loan quickly without even noticing the big difference.

- Always be aware of the credit limit. This refers to the total amount of credit that a credit card holder is authorized to use in his or her transactions. Clearly identifying the credit line, the merchant account provider, and the size of the credit line, will help the holder to decide how reliable he/she can be when it comes to paying on time and keeping him/herself under the card's limit.

Merchant Account and the Credit Card (part 1 of 2)

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Merchant account plays a big role in the success of any credit card transaction. That is why it is very important for people—especially those who rely so much on the plastic card—to familiarize themselves about it so they will know what to expect from their credit card brands and they would know what to do when any problem arises.

Merchant account refers to a contract wherein the bank the bank that aims to acquire prolonged line of credit to a merchant that accepts payment transactions through card of a certain card association or brand. One of the things that credit card users must know about merchant accounts are the methods that involve the processing of credit cards. Nowadays, majority of the transactions that involves credit card concern electronics. These transactions are electronically-sent to the merchant processing bank subjected for authorization, deposit and card capture.

Methods of processing credit cards will mainly depend on the industry itself. Since it is already electronic, the means by which information is obtained is made possible by the magnetic strip. When this is swiped in the credit card terminal or reader—a "stand-alone" type of electronic equipment allowing an individual merchant to accept information needed to complete any credit card transaction—all the information about the credit card holder and transaction being made will automatically transferred and made available on computer and website for record purposes.

Merchant account providers advise credit card holders to swipe their cards whenever a transaction is being made to ensure that there will be reduced incidents of fraud when the card is stolen.

Knitting Stitches (part 2 of 2)

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The ‘Fair isle’ patterns of stitches take the process of knitting to an entirely different level. By means of this pattern of stitch, one can incorporate two colors in every row. These stitch patterns can be knitted on machines with patterning devices (electronics, punch cards etc.) or on older models of machine by hand-selection of needles. One can create appealing visual effects of cloth through the Fair Isle stitch.

The ‘tuck stitch’ is a textured pattern that can be created only with the use of a knitting machine. One cannot produce this stitch by means of hand knitting. Either side of the fabric can be used as the right side. This depends on the knitter’s preferences. One can incorporate two or three colors in a fabric with this type of stitch.

The ‘slip stitch’ is a variant of the tuck stitch. It is less textured than the tuck stitch. The slip stitch thus isn’t as appealing as the tuck stitch. One can incorporate one or more colors on a fabric that is knit using this type of stitch.

The ‘knit stitch’, a very common type of stitch is formed by making loops which interweave one another, alternately. When viewed from the knit side of the pattern, the knit stitch will resemble ‘v’ patterns. The ‘purl stitch’, another basic stitch resembles a ‘brick-face’.

The ‘Stockinette stitch’ is one of the most widely used knitting stitches. It consists of alternate rows of knit and purl stitches.

Besides, the aforementioned knitting stitches, there are many and other knitting stitches that add several dimensions to the activity of knitting. In fact, more and more knitting stitches are being incorporated by the day in the world of knitting.

We have beautiful patterns and designs on our sweatshirts, pullovers, shawls, scarves, socks etc, courtesy the enchanting knitting stitches.

Knitting Stitches (part 1 of 2)

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They play a vital role in any knitted fabric. The shape, type and pattern of these stitches add to or take away from the appeal of the finished product. They also determine the quality of the fabric. The stitches produced using knitting machines are generally more even-textured than the ones produced by hand/manually. Some are easier to produce with hand knitting, while the others are easier to produce with knitting machines.

Hundreds of beautiful patterns can designs can be created on cloth with the aid of knitting stitches. These stitches combined with purls can literally create visual effects on cloth. Permutations and combinations in these stitches and purls create fabulous effects on cloth. Purls, stitches and wales combined together, literally create the most interesting patterns and designs ever.

The easiest form of knitting stitches is the stocking stitch. It is used for creating stable fabrics that curl up when one is done with knitting. This type of stitch is usually used in making pullovers, single-colored sweaters, shawls etc.

The striped stocking stitch is a type of stitch whereby a new color can be incorporated in every stitch row. But on a machine, an even number of rows should be knitted before making color changes in the succeeding rows. If a person is hand-knitting, then he/she can create several interesting designs with a ‘striped stock stitch’.

Landscape Architect Recruitment Yorkshire, UK (part 2 of 2)

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Landscape architects and urban designers at all levels are required for a reputed firm in United Kingdom. They need innovative landscape architect to wok in various projects. There is a separate company that offers Landscape architect recruitment service to firms in Yorkshire. They help the firms appointing temporary as well as permanent staffs. The eligible candidates can send their resume along with the proof of their educational qualification to the website of the recruitment company. Salary is negotiable for eligible candidates.

Specialist landscape architect recruitment service is offered by a recruitment service company operating throughout UK. The candidates can send their resume to the company through online and can get appointment either in UK or abroad. The company focuses mainly on recruiting landscape architect and urban designer and so the candidates having such qualification can send their resumes in order to get a change in their career.

The landscape architect recruitment Yorkshire is 100% confidential and the eligible candidates are guaranteed to get a suitable job. The salary varies from company to company depending upon the post. Most of the jobs require experience along with the educational qualifications. However, some firms can recruit fresher also.

Excellent communication skill both oral and written is a must of any level of landscape architect job. The right candidates can get suitable jobs in various works setting either in UK itself or in any other countries. The willingness to work anywhere is therefore preferable.

Landscape Architect Recruitment Yorkshire, UK (part 1 of 2)

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Various levels of Landscape architecture recruitment Yorkshire is required for some of the architecture firms in UK. Some of the job descriptions are given below:

Planning and green infrastructure advisers are required for landscape architecture firms in Yorkshire. The job requires enhancing the biodiversity and wildlife in marine, rural, coastal and urban areas. The adviser needs to provide multifunctional green infrastructure, landscape access and recreation. Good working knowledge of natural conservation and planning sustainable projects are essential for this job.

Project landscape architect is yet another job requirement available in Yorkshire. The main qualifications required are excellent communication skill, a degree or diploma in landscape architecture with some experience and the knowledge of Computer aided graphic design. The project landscape architect requires taking genuine responsibility within the team and should also be responsible for regeneration of landscape projects.

Qualified landscape architects recruitment Yorkshire architecture firms hire in order to involve in wide variety of landscape projects in both urban and rural areas. The landscape architect requires doing various works ranging from strategic master planning to create parks and recreation designs. These jobs are generally recruited on a full time basis. However, right candidates can be allowed part time facility also.

Senior landscape architect recruitment is going on in various architecture firms in Yorkshire, UK. The candidate should have excellent design and communication skill and should have 5 or more years of experience in landscape design and planning. The senior landscape architect requires working with the team on local or national projects including schools, hospitals, leisure facilities and recreational places. Knowledge in Auto CAD is highly desirable for the candidate.

Living Will Forms And How They Work (part 2 of 2)

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By nature, a living will form is filled out ahead of the precise time it will be needed by its creator. Preparing in advance, however, can lead to two possible problems: looking for a safe but accessible storage space for the document, and making certain that it still mirrors your wishes even if it has been stored for 15 years or so.

The possible problems indicate the necessity for a central storage area that can provide fast and easy access to living wills. Needless to say, it has to maintain both confidentiality and privacy.

Common Sources of Living Will Forms

The most obvious place to look for living will forms would be at your local hospital. The United States federal law commands all health care facilities to provide advance directives information to residents in their communities – including information regarding state-specific statutes. You may get hold of a living will form by getting in touch with the Social Service Department or Patient Representative of the hospital.

If you prefer to conduct your search online, then try visiting the web site of the American Bar Association. The site can provide you with much-needed information about living wills and a long list of excellent resources.

You may also go traditional by seeking advice from an attorney. Private legal firms that deal with advance directives can usually furnish you the proper living will forms.

Then again, doing so would require you to shell out some cash. If you don’t that at all, then this would be an excellent way to make a living will.

Living Will Forms And How They Work (part 1 of 2)

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Making an advance directive should be viewed as more than just filling out the correct living will forms. The amount of time you spend mulling over the type of care you want – or do not want – and talking about your wishes with your family and friends is definitely more important than merely writing check marks on appropriate boxes.

The written document is without a doubt an excellent way to remember and keep a note of your health care preferences. However, on no account can it substitute for the time spent in discussing those choices with your immediate family members and loved ones.

When you are mentally and emotionally ready to make a living will, keep in mind that every state has a different law – and at times, a unique form – with regard to this type of advance directive.

Although it is typically not obligatory to seek for the help of a lawyer when preparing such legal document, you may want to consider consulting one if you have any particular concerns about the matter. You may also confer with an attorney in case the various living will forms you have procured do not suit your needs.

The contents of the living will form is also as important as procuring the proper form. So give your health care decisions a considerable amount of thought before putting them on paper. Nonetheless, you can always change or add more specific instructions anytime you want to.

After the completion of a duly signed and dated living will form, think about enlisting it with the U.S. Living Will Registry. In this way, your medical treatment choices will be accessible to your family and your health care provider whenever and wherever considered necessary.

Things You Need to Know about Magazine Publishing (part 2 of 2)

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Second, you'll need an appropriate publishing schedule, depending on the content of the magazine. For continuously changing content such as news and current events, they could come by weekly or twice in a week. More specific content could be published within a longer time period since it takes more time to gather up special topics and relevant material.

You'll find on most magazines that there's a specified date by which they assume the magazine was published. In truth, magazines are prepared for many weeks in advance and are published before the indicated date. This is to anticipate for any delays from the many writers that contribute to the content.

Third, you'll need to be aware of the availability of the magazine. Are they available on newsstands or bookstores? Will they be sold in specialty stores and vintage bookstores or just the main multinational bookstores? Will there be the option of subscribing to the mailing list? Usually this gives the readers the incentive of not having to line up for a copy and just getting the issues in the mail every time they are distributed.

Sometimes readers even get special offers and early published issues. As for those who have missed out on important issues, there may also be the option of ordering back issues. These are issues published in the past that were returned to the publishers, usually because they were not completely sold before the next issues arrived.

Magazine publishing is a process with undoubtedly complicated shoes to fill. So many elements go into the publishing of a magazine that sometimes we may even wonder how so many of them are offered and distributed all around the world.

Things You Need to Know about Magazine Publishing (part 1 of 2)

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So you're browsing through the shelves of your local bookstore and after the rows of Gaiman, McNaught and the Bronte sisters, you glance upon the magazine section. Rows upon rows of magazines hit the stands and they sell like hotcakes. Why does this phenomenon happen in the magazine publishing industry? What exactly is the selling point of magazines as compared to a genuine curl-up-in-bed book? If these questions got you thinking, then read on.

What is a Magazine and How Different is it from a Book?

The most obvious difference between a magazine and a book is that magazines are changed. They have schedules by which issues are published and distributed to the different bookstores -- weekly, bi-weekly, or monthly. This gives the magazine publishing industry the edge of being constantly renewable. They have the chance to constantly adjust to their readers' demands such that they will be able to encompass a larger audience and keep the interest up.

Books don't have this advantage because once the story is out, it's out. The only chance authors have at change is through different editions which don't really alter the story drastically. Magazines, on the other hand, are capable of providing a wide variety of articles suitable to the majority of their readers' interests, and thus, the industry continues to thrive.

Magazines as a Major Production on Paper

There are so many ingredients before you are able to publish a legit and official magazine. First, and obviously, you won't expect to just write a few articles, paste some pictures and voila, a magazine is born. This is not how it happens in the magazine publishing industry. Aside from consumer profit, the industry lives on because of the advertisements that fill the pages with new product lines, promos and simple attention-getters.

Free iPhone Wallpaper (part 2 of 2)

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Small and big companies provide wallpaper downloads. Some downloads cost a bit but you can stick with the free ones so that you don’t spend any cent on the iPhone wallpaper. These companies run their business online through advertisers, donations, photography, and artwork. Thanks to the many gifted designers, iPhone wallpapers are all over the web. In picking the wallpaper site, you can already tell if it’s a free or paid site. Some customer prefer the paid sites because they claim that the wallpapers there are cooler and among the latest or hottest in the market. There are also those who prefer free sites and with diligent search, you may be able to find the perfect wallpaper for the iPhone.

The internet may be full of helpful resources but you should also be extra careful in downloading anything for your iPhone. You see, some downloads can harm your iPhone and your computer because the files have some sort of adware or spyware. When visiting websites, it is highly advised that you stick with highly reputable websites to avoid any problems. If you encounter any suspicious site, stay away from it even if what they offer is quite tempting.

iPhone and cellular phones are extremely competing against each other. Cell phones usually have wallpapers and so Apple also decided to include this feature in the iPhone. One way to stay competitive in the market is to meet the various needs of the customer. Apple is able to realize the need of the people for continuous entertainment and communication. Now, you can communicate with your family and friends through the iPhone; and not only that, you can also listen to your favorite tracks anywhere you go.

Get yourself a new iPhone now and be one of the hip and cool youngsters out there. Listening to music is very relaxing and if you’re too busy at work, just put on your headphones and try to unwind.

Free iPhone Wallpaper (part 1 of 2)

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After the iPod, Apple released the iPhone which hit the market like a storm. What is an iPhone? You can simply define an iPhone as an entertainment center and a phone in one. One of the many features of the iPhone is the wallpaper. You can get wallpaper for your iPhone online and you can even get them for free. The iPhone itself is already cool but if you can get wallpaper, your iPhone becomes cooler.

Putting some accents on your iPhone makes it more personalized. There are lots of websites that you can find which offers iPhone wallpapers. With so many links to choose from, it will be a difficult task to pick the appropriate wallpaper.

Firstly, you need to decide on what you want your wallpaper to look like. Do you want to have a wallpaper of your favorite artist, music group, actress, or actor? The decision is yours; just pick one category and then conduct a basic search online. You will get more specific results and it’ll be easier to choose the wallpaper for your iPhone. You can use any of the major search engines that you can find on the net. Simply type the keyword like ‘artist wallpaper’ or to be more specific, type the name of the artist followed by the word ‘wallpaper’. The results are already narrowed down and so it will be very simple to pick one.

Small and big companies provide wallpaper downloads. Some downloads cost a bit but you can stick with the free ones so that you don’t spend any cent on the iPhone wallpaper. These companies run their business online through advertisers, donations, photography, and artwork. Thanks to the many gifted designers, iPhone wallpapers are all over the web. In picking the wallpaper site, you can already tell if it’s a free or paid site. Some customer prefer the paid sites because they claim that the wallpapers there are cooler and among the latest or hottest in the market. There are also those who prefer free sites and with diligent search, you may be able to find the perfect wallpaper for the iPhone. 

Increased Brand Credibility Means Increased Sales (part 2 of 2)

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To produce brand credibility, you need to meet the following categories:

• Non-verbal such as your logo or image,

• Verbal efforts through marketing or advertising,

• Mission and Vision of the business to exemplify your organization's values,

• and, Internal operations that is crucial in delivering your promises to the customer.

Following are tips on how you can build credibility towards success.

Customer Perceptions

You establish this initially by doing business that satisfies your customer. When you make advertisement claims about your product or service, you need to meet or exceed their expectation standards to be able to build that positive perception about your company. First impressions always last, so you need to make a good first impression if you want to increase market share.

Highlight Business Competence

Regardless of what product or service you are offering, you must demonstrate your expertise in that given field. Show data and statistics that serve as proof to what your company is capable of delivering. That is why most companies or websites advertise with testimonials to prove the results of using their product. When consumers see actual results, it extends from your products to your overall company image.

Consistency

As already mentioned above, establishing credibility is not a one-time process. Instead, you must also work on maintaining and enhancing it. After all, one mistake could easily trump the reputation you have built. Consistency then becomes of utmost importance in your business. It must be aligned with all processes involved in your business operations, from advertising, to the marketing, and production.

If you want to attain a certain level of standard, it must be true for all levels of business operation since this will serve to back up your integrity. Learn to follow the essentials of building and establishing brand credibility for it is one important aspect in achieving longevity.

Increased Brand Credibility Means Increased Sales (part 1 of 2)

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What is Brand Credibility?

Brand credibility is often pointed out by marketing experts as one psychological factor that could trigger the buying impulse of consumers. However, just like with any type of triggers, it can produce a positive or negative effect. In this case, it refers to your brand's reputation and its ability (or inability) to convert that into sales.

As a business owner, you must try to change your perspective into that of the consumers. Try to understand how you would perceive various companies and how it affects your buying decisions. Most often, consumers would opt for those companies that are deemed to be experts in their respective industries.

Other factors that affect your buying patterns would include longevity, which covers the years that a company has been in existence. This reflects their mass appeal and quality of their service or product given that it has been patronized by a certain demographic and for that given period. This is what credibility in branding is about: the perception that people have of your business or company.

Establishing Credibility

Now that you understand what brand credibility is, you must face the harder question: how do you establish it? This is even more difficult for business newcomers or business startups because there is a lot of work to be done. Aside from that, you need to continually nourish it so as to be able to maintain that credibility that you have built up for your business.

Credibility is the heart of every business. Even though you offer quality products or services, if your customers perceive your company as incapable of delivering such level of quality, then it would be of no use. It would not be able to confirm your business as a reliable choice among several possible competing choices in the market.

Dress-Making And Tomorrow’s Clothes (part 2 of 2)

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One future idea 

There are several proposals regarding future clothes on the drawing board. Some had been in development for years. All of them, however, are still waiting for the manufacturing economics to be resolved (lower cost of materials and labor, some technicalities, etc.) before they can be implemented. 

One example is the talk of a prototype of new clothes that are touted to be disposable. After use, these worn clothes will then be sent to the recycling plant to be processed into some other new products or into new clothes again. 

The main idea is to bring the manufacturing costs of these clothes lower than the costs of laundry, repair and storage. Ideally, it should be cheaper to buy new clothes compared against the sum spent on laundry, repair, ironing and storage of traditionally-made clothes.  

Our future clothes, scientists say, shall have automatic temperature control (special fabrics), sweat and odor disposal systems embedded into the material, as well as some kind of anti-bacterial additives incorporated in their manufacture. And these are just for starters.

Some questions remain, however. 

What happens to that wedding dress you kept for sentimental reasons?   

What about that dowdy-looking but lucky tennis shirt you hate to throw out?

Will you get rid of that favorite sweater someone special gave you on your birthday? 

Will all of these be made of disposable materials, too, to be discarded right after use?

Stay tuned for more of tomorrow’s news on dress-making.

Dress-Making And Tomorrow’s Clothes (part 1 of 2)

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How does one dress up in the future? Will dress-making still be around? What will our clothes be made of? What will be the look of clothes in the future?

Given the dizzying pace of technological innovations all around, it is not easy to get the right answers to our questions. However, the future looks pretty exciting in every sense of the word. At the very least, in the sartorial sense, there is promise that we shall all be comfortable, that we will all look good, and that we will all be happy with our choices.  

Or, at least on paper.

Age of agriculture

It took thousands of years for our past civilization to be able to make threads and weaving these materials into cloth. Around that time, our ancestors also discovered needles to do the stitching. They had been wearing animal furs and skins and plant parts as clothes for a much longer time than needed. Maybe, it was because hunting and food gathering took up much of their time and effort.

The Renaissance brought some sophistication to making clothes because artisans began to specialize in the craft. Still, everything was done manually. These were not only error-prone but also excruciatingly slow.

When the Industrial Revolution came, there were some surprising technological leaps and advances. Modernization machines like the cotton gin introduced by Whitney to cotton farming, the sewing machine needle by Otis, the zipper, the snap-on buttons --- these and more made the manufacturing process faster and better than before.

Computerization

 The advent of the Digital Age or the coming of computers in the 20th century revolutionized everything on the planet. These included all kinds of industries, production processes, manufacturing, education, science, technology, medicine, and many others. From then on, progress and new things happened fast.

One of the biggest beneficiaries to this technological revolution is the dress-making industry. Just like all the other industries that had long been dormant for years in terms of innovations and discoveries, the clothing industry never had it so good since then.  

The computer age ushered in some technological advances that were unthinkable before. These are all in the areas critical to mass production’s goal of less manual handling, better percentage in accuracy, and faster speed. All of these are geared towards the ultimate goal of lower manufacturing cost possible.

Body Language At Work (part 2 of 2)

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Gestures And Movements To Avoid

The wrong gestures, done consciously or unconsciously, could give the wrong impression to your boss, co-workers, and clients. These may be the reason of you getting fired. Therefore, you must avoid the following acts of body language.

Avoid pointing a finger at somebody, especially your boss. Even when you are angry or trying to emphasize a detail, it is regarded as a rude gesture. In meetings, refrain from showing signs of boredom and lack of interest. These signs include arms crossed over the chest, eyes on objects other than the person talking or the presentation itself, yawning, signing, drumming the fingers on the table, or tapping your foot.

Signs That You Are Not Doing A Good Job

If you are the presenter in a meeting or an applicant in a job interview, you must observe the body language of your audience as well. Reading their actions and movements could aid you to be aware of their reactions and if you are doing well.

You would detect if the other party is getting bored if their focus of attention is not on you. This is evident by the absence of eye contact. Observe their hands as well. Even if their eyes are on you, but if their hand are busy, it may mean they are thinking of something else. See if their fingers are playing with their pen or drumming on the surface of the table. Boredom is also indicated when the person in front of you begin to slouch back into their chair.

Signs of opposition to your ideas and opinions are also determined when the other party crosses their arms, wrinkle their forehead, and tilt their head.

However, the signs above sometimes do not reflect how someone really feels. What is important is that you know how to prepare yourself in critical times at the workplace.

Body Language At Work (part 1 of 2)

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You can always use body language as a key to success in your work. You could give a good impression, convince clients, and please your boss. In communication, only 7% are the words and rest of the 93% is accounted for the nonverbal cues, which includes the aspects of speech and body language.

Appropriate Body Language During An Interview, Meeting Or Presentation

A job interview is usually nerve-wracking. But in order not to be included in the list of rejected applicants, you have to impress your interviewer by being confident. Here are the gestures and body movements you must observe during a job interview.

A firm handshake indicates confidence. Relax on the chair provided for you, but do not slouch. Slouching reflects laziness. Keep your heap up, and lean slightly forward. Place your hands on your lap, and never in your pocket. The hands-in-pocket gesture signifies nervousness, boredom, and dishonesty. As much as possible, do not cross your legs. But if crossing your legs would help calm your nerves, you may do so but point your body towards the direction of the interviewer. During the conversation, make sure you maintain eye contact to show your interest and eagerness to listen.

Art of Animation

Make use of your hands to punctuate or emphasize what you are saying. You will appear stiff if your hands will stay on your lap during the entire period of the interview. Hand gestures also signifies that you are honest and indeed knowledgeable of what you are talking about. You can do this while sitting or standing. During a presentation, move around, but walk slowly. The greatest presenters are those who can speak confidently with the right timing of body movements and gestures.