Ideal Rates and Fees for Merchant Account (part 2 of 2)

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Qualified rate

When a customer pays thru a regular customer credit card, it will be processed as “standard” by the merchant account provider. The applicable rate to be charged is called a qualified rate, the lowest rate a merchant will gain in accepting a credit card. This applies to both internet transactions and physical retail swiped through in an ordinary manner and used a regular customer credit card.

Mid-qualified rate

But what if a credit card is keyed into the terminal instead of being swiped? Or the customer used a rewards card or business card? What is the rate to be charged to you when you transact these payments?

When these happen, mid-qualified rate is the applicable rate for the transactions. This rate is also known as partially qualified rate. Merchant account providers gain a lot of profit from the transactions made under this rate. It is usually 1.50% - 2.50% higher than a qualified rate and only cost 0.30% - 0.50% more in interchange cost. Since reward cards are so common nowadays, it is probable that there is 15 – 40% transactions made everyday falls under the mid-qualified rate.

Non-qualified rate

The most wounding charged rate by the merchant account provider is the non-qualified rate. Transactions that did not fall as qualified and mid-qualified will be considered a non-qualified rate. It is the highest percentage rate with 2.00% - 2.50% qualified rate and costs only 0.50% - 1.50% higher in interchange costs. This rate is applied for special kind of credit card such as business card when all required fields are not entered. Or when the customer’s card is keyed into a credit card terminal than swiped and address verification is not performed.

In case of unsettled daily batch within the allotted time frame, transaction made thereafter are also charged with a non-qualified rate.

Ideal Rates and Fees for Merchant Account (part 1 of 2)

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If you are a business owner who wants to accept credit card, debit cards, gift cards and other forms of card payment for goods and services, you must apply for a merchant account or widely known as payment processing or credit card processing. This type of service is not provided free and offered only to business owners with outstanding credit history. To succeed in this mode of payment, you need to understand certain specifications regarding its applicable rates and fees. For starters, it may sound complicated but as you go through same transactions each day, things will get familiar to you. Here are few merchant account jargons you’ll encounter.

Monthly and Interchange fees

The merchant account provider has the discretion in applying the monthly fees. Visa and MasterCard set a schedule of rates called Interchange fees wherein greater part of the per-item and percentage fees passes through the provider to the issuing bank. All transactions occurred are categorized into an interchange category according to the kind of card used for each transaction and its circumstances. An example to this are the transactions made in the credit card terminal through swiping and the transactions made manually, these two are categorized differently.

A transaction made through a reward card is also different with the transaction made using a standard card. When this various customization sum up, there are 130 categories with different rate. Then, from the 130 categories, merchant account providers group these into 3 to 6 categories, each with a single rate. The rates are based on the average interchange rate expected for each category with an additional markup.

Knitting Looms (part 2 of 2)

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Rectangle knitting looms are useful in creating scarves, Afghans, and other large projects. This loom has a single rake, and hence it is easy to work with these looms. If you buy a set of rectangular knitting looms, you will get rectangular loom, pick and hook tool and the necessary instructions.

These knitting looms are a boon for every beginner, and amateur to the world of knitting. The knitters who are unable to knit using needles can surely use a knitting loom. By using various methods of wrapping the yarn on the pegs, you can create knit works of various stitches and patterns.

If you have left knitting because of arthritis, carpal tunnel syndrome, or other ailments, stop worrying and regain your talents. The knitting looms available, does not put any stress on your back hence providing you with utmost comfort.

The projects created using knitting looms are as good as the ones prepared using needles. Hence with out wasting any moment, get yourselves a knitting loom, with the help of which you can create exquisite knitted items at a much lesser effort.  

Knitting Looms (part 1 of 2)

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Knitting is an old art form which has regained popularity in recent times, so is the case with the knitting looms. Knitting on looms is much easier than knitting on needles. Various manufactures produce knitting looms that can be used by knitter at home. These are easy and convenient items that help to make knitting interesting. These knitting looms range from, plastic looms to the heavy duty wooden looms.

The knitting looms available in the market, belong to the various shapes and sizes, including round, oval and rectangular. You can also buy looms in shapes like butterfly, which are helpful in creating knots and crochets. Various brands have launched fun filled looms which glow in the dark. These knitting looms are helpful when you want to work while watching TV or in a dimly lit room.

Parents can gift child knitting loom sets to their children on birthdays. The child set includes a set of four plastic looms, with all the instructions, all the possible steps are taken for the safety of the children. But it is advised that these looms are not for the children below 5 years of age.

By gifting your toddlers a set of knitting looms you can inculcate and develop this art at an early age. It is also said that knitting is a very good recreational activity. These looms can also be used for worsted and bulky yarns.

A round knitting loom can be used to create tubular objects like hats, wrist warmers and so on. The round knitting looms come in single rake or double rake, i.e. it has a single row of pegs or a double row. A single row loom can be used to create objects with one right side and a wrong side. While the double peg loom is used to create a garment that can be used both the ways. You can easily make tube scarves, golf covers, stockings and much more using these looms.

Rapair to Landscape Architect (part 2 of 2)

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Landscape architect repairs not only to improve the value of any property but to provide an opportunity for us to be connected with nature. Repairing the local park can even help us visiting it often rather than planning for far flung exotic places. Nowadays it is rather important to restore the landscapes in order to preserve the natural resources.

Landscape architect repair can help in ecological restoration which ranges from small scale urban park to huge wetland improvement. In any cases, the landscape architect requires to repair the ecosystem which has been lost or damaged. Though repairing ecology by a landscape architect requires lot of work and time as well as dollars, the process surely benefits to preserve our valuable natural resources. Hence restoration ecology is given higher priority in most of the States in US.

Planning the ecological restoration is however difficult and requires high amount of expertise in the field. Therefore landscape architecture firms specializing in repairing work would be carefully scrutinized and then the project would be given to the best firm. Designing the repair of landscapes involves more complexity and it is the heart of the restoration process. Hence, care and attention is given by the landscape architect in the repairing design work.

This is important because sometimes ecological restoration may even harm natural resources and such cases would be considered for legal action. Therefore, landscape architect who specializes in planning repair works can be allotted this type of project.

Rapair to Landscape Architect (part 1 of 2)

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Landscape architect repair involve numerous projects like improving landscapes of parks, recreation, hospitals and residential areas. Their work includes designing, planning and repairing extensive landscapes. A professional landscape architect is one who not only specializes in designing innovative landscape designs but also provides some repairing services to the client with less or no damage to the surroundings.

Home, landscape architect repair and renovation process is becoming famous among people all over the world in order to increase the appeal of the home as well as the value of the property. Landscape architect helps in home repairs. He would work with you in your home and garden repairing works. In fact the eyes of landscape architect are powerful in detecting even minor repair requirements in home or garden landscapes than that of civil engineers.

The environmental changes all over the world call for repairing sites as they are highly disturbed by such changes. A landscape architect who has the basic knowledge of the terrain, water system, drainage channels and so on is capable of detecting the repairs and therefore he\she is more helpful in any renovation process. But most people may tend to repair the problem without understanding the underlying cause and this in turn may lead to severe ecological loss. Therefore a landscape architect is essential for repairing work.

It is believed that humans are disconnected with nature. However it becomes possible nowadays to get close to nature through environmental management and landscape repairing plans. For instance, if we give an opportunity to a landscape architect to repair a local park, then he would help restore or repair a stream in the park and thereby helps us to get connected to the nature around us.

Living Wills And The Terry Schiavo Case (part 2 of 2)

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In essence, it is a form of advanced directive that is written down on paper for the health care team to follow once the creator becomes too sick or incapacitated to communicate his or her decisions about treatment. In this way, the attending physicians and the immediate family would know whether the patient would like to receive "heroic measures" or to discontinue all types of life-support measures completely.

A living will may be viewed as a legal expression of your desires with regard to medical treatment. You may also appoint someone to be in-charge of deciding on your behalf in case the need arises. That person is usually called a "health care surrogate" or a "patient advocate".

When talking about living wills, the question of timing usually comes up. People normally want to know when it would be best to make a living will. The answer is pretty simple. Since state laws govern the making of living wills, the policies in one state may differ in another. Nevertheless, the standard rules involve the following qualifications: legal age and sound mind.

In most states in the U.S., the legal age is 18 years old and above. Then again, some states have set the benchmark a year older – at 19 years old, so be sure to determine these technicalities before deciding to write your own living will. Aside from the age, certain measures must be done as well.

In order for the living wills to be valid, the appropriate form must be filled out and the procedure must conform to the laws of the particular state you live in.

Some states necessitate the attendance of two qualified witnesses during the signing of the living will. The law may also require the presence of a Notary Public, together with the two onlookers.

Living Wills And The Terry Schiavo Case (part 1 of 2)

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The story about Terry Schiavo and the court battles that her family and husband had to endure spread all over the country. Its exposure on the news had opened people's minds about living wills and how these documents could save them from a great deal of suffering and difficulties. On top of that, it changed the perceptions of Americans about death in general.

If the patient – Terry Schiavo – had drawn up a living will prior to her ill-fated collapse that led to severe brain damage, the expensive and highly publicized court hearings would have been avoided.

The painful question of whether to continue the provision of life-sustaining measures, in the form of tube feeding, should have been immediately answered by none other than Terry herself.

When a judge reached a decision to remove the feeding tube, the patient's husband – Michael Schiavo – made it a point to publicly endorse the importance of making a living will. This written, legally binding document would have saved him and his wife's family from all the trouble and painful struggles of deciding for the patient – based on their individual points of view about the situation.

After the case had closed, numerous Americans began to accept the harsh and inevitable reality of illness to the point of powerlessness – and consequently death. For this reason, more and more eligible folks had decided to draw up their own living wills and put their health care preferences down on paper. Basically, people had become more informed with regard to the issue and what they can do to avoid falling into the same difficult spot.

What is a living all about?

If you're still not well-versed about how living wills work, then you better expand your knowledge about these legal documents as early as possible.

Readership Interests Covered by Magazine Publishing (part 2 of 2)

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Scholarly or academic magazines

- Present information focusing on the educational, investigative and scientific.

- Articles are written by professors, scholars, and specialists or researchers in different fields of learning.

- They are often issued less frequently than any other kinds of publications.

- There is little or no advertising present at all.

- Format used in disseminating information is in a serious fashion, bordering on the textbook form.


Trade or professional magazines

- Published for a specific readership such as company managers, businessmen and others in the field of trade and industry.

- Usually not available to the general reader; distribution for some publications is strictly through subscription.

- Most articles are written by specialists or consultants.

- Mostly issued weekly or monthly to enable the readership to catch up with the fast changes in their field.


News magazines

- Commonly distributed on a weekly basis to keep the readers abreast with news and current events.

- Provide the readership with a singular source of news and other topics that are in demand for the time being.

- Articles they carry are written by editors, journalists and other subject experts.

Give more in-depth and detailed information regarding the context surrounding the significant events in the society, as contrasted to a newspaper.


Sensational magazines

- Inclined to creating a stir or controversy.

- Designed for attracting the attention of readership; brandishing flashy and intriguing headlines.

- Often carrying stories about celebrities and other articles that stir the curiosity of the readers.

- There are usually more pictures in them than written stories.

Magazine publishing still remains as one of the most effective means of distributing information. With varied readership, it comes as no surprise that almost every possible human interest is covered.

Readership Interests Covered by Magazine Publishing (part 1 of 2)

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Magazine publishing is one of the popular means of distributing literature and various forms information for public viewing. Everyone has a stack of old magazine issues lying somewhere in the house.

Since the very first periodical that bore the word “magazine” on the cover came out in London in 1731, magazines have gone through a complex evolution throughout the years – from their printing process to the range of topics that they cover.

Magazine publication schedules vary depending on the type of information or issues they cover. For instance, a publication that focuses on news and current events come out weekly or biweekly. Others that focus on specific concerns may come out monthly, bimonthly or even quarterly.

Different kinds of magazines cater to different readers. What makes a successful magazine publishing is how its publication catches the targeted readership. Fresh ideas, layouts and the writing contents are some of the important factors that can make a magazine appealing.

No matter what your interest is, there sure is a magazine that specifically highlights your needs. Lifestyle, travel, automotive, music, celebrities, current events, sports, health – the categories of publications these days are practically boundless. However, they usually fall under the following classifications.


General interest magazines

- Tailored to embrace topics which a common man would actually like to read.

- Often easy to read, and deal with light and interesting subject matters.

- May focus on a particular theme throughout, or cover many different ones.

- Usually a lot of pictures and images to accompany the articles.

- Include among its goals: entertainment, product endorsement and promote readership viewpoints.

iPhone Fit for Business Transactions (part 2 of 2)

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Calendar up-to-dates

Multi-touch interface creates a simple yet more intuitive pace of the phone. No other calendar phone can top to that kind of achievement made by Apple. Through tapping, you can monitor who’s on the list, check conflicts in the schedule, review important agendas and even add common alerts to remind you of something really vital. Schemes of color coding make it easier for the user to check for the organization of events at a glance. Integrated support and push calendar made for time zones only means that owners of the phone can be updated anywhere they go.

Easy contact search

This one’s the easiest part of dealing with your phone. It’s as simple as scrolling through and fro from your list. You can choose to change or add a certain contact number and automatically updates different data. What makes contacts ideal for businessmen and women is that it has integrations which are seamless like Safari, SMS and Maps. Using Maps, you can find a certain business establishment or customer for that matter through GPS. You can get specific directions on from the listings on the map in order to confirm your queries. Using GAL or Global Address Lists you can search for contacts in a faster mode companywide. You can bet that with push contacts, listings are always updated.

Get smart with phone features

To top it all, iPhone has given business icons a way to manage their work easier. Voicemails are automatically prioritized in order to know the messages that should be listened to or not. Indeed, the smart features of an iPhone has astonished and impressed the likes of people who have engaged in trusting the phone do tedious tasks.

iPhone Fit for Business Transactions (part 1 of 2)

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There are a lot of specifications about iPhone being one of the most effective devices ever made to handle the hassles of business. What makes the phone extraordinarily perfect for business icons? It shows evidently in the features on how its simplicity can be the sole and effective buddy for businessmen and women.

What makes the device great?
Simple – a 2.0 software system, supports ActiveSync for Microsoft Exchange, calendar for important meetings and events, quick email delivery system, and organizes your contacts. It is a phone that does more that what one can expert to an enterprise. It can also give the users access of security to resources with different wireless services. It addresses different issues of manageability, integration and security. With these important features that an entrepreneur needs, it is expected that the demand for the device’s significance will be at its peak.

E-mail at its best

This is innovation at its finest degree. Email in this phone is definitely one of the best features Apple has reinvented. It is not like any other mobile phones. With its HTML that is rich in outlines and formats, the email will look and act according to the emails from your computer. Supported by Excel, JPEG, PowerPoint, Word, and iWork, the phone attachments can now be viewed in the expected format as they are needed to be. Owners can even have the opportunity to zoom in and zoom out on different important maters just with the tap of the icons. And because of support coming from Microsoft Exchange ActiveSync, owners can now have the benefit of having push email.

Effect of Word-of-Mouth Marketing on Your Branding Strategy (part 2 of 2)

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Bigger Customer Voice

It has been highly emphasized by marketing experts that if you want to maintain or increase your market share, you need to work on providing excellent customer service. This will ensure that you get a share of loyal customers who believe and trust in your brand. If you're able to successfully enhance that trust, then you are able to produce a good customer voice. Therefore, when these individuals are asked to say something about your company, they only have positive views to say.

Hence, several companies are now devising methods to improve their “listening” ability when it comes to customer voice. Indeed, improving customer communications will produce satisfied customers and consequently increase the potential of producing more positive word of mouth marketing.

Tips for Increasing Word of Mouth Marketing

A recent study conducted to determine the most influential marketing methods, word of mouth marketing came out on top. Hence, it has raised awareness on the important role that consumers play in influencing other's buying options. Therefore, you can utilize a positive word of mouth marketing to create your own sound branding strategy. Here's how you can do it:

• Create a branding strategy that will get people interested and have them talk about it. Unless you can arouse their curiosity and attention, you will not succeed in this.

• See to it that you satisfy customer needs. When people are happy about your product, they will joyfully and willingly recommend it to others.

• Respond to feedbacks, whether positive or negative. Aside from promoting your business, you can utilize word of mouth marketing as a means to gather essential information on how you can improve your service and branding strategy.

Effect of Word-of-Mouth Marketing on Your Branding Strategy (part 1 of 2)

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Word of Mouth Marketing

There's probably no more effective branding strategy in existence than word of mouth marketing. However, only few realize its actual potential in helping you build a successful business and branding system. What could be better than having actual people talk others into doing business with your company? It is a common thing for people to do, which is talk about something a recent product that they were satisfied or had good experiences with.

And yet, word of mouth marketing does not cost you anything. It is just as effective as other methods of advertising or increasing awareness about your company's products or services but without the entailing costs and investments. Even marketing experts profess word of mouth marketing to be the most potent means of communicating a company's marketing message.

Effects of Word of Mouth Marketing

If you have seen various TV commercials or websites that sell products, then you might already be familiar with testimonials. This is a marketing ploy utilized by most business owners in order to provide a valid proof with regards to the benefits and claims made by the company, which is in the form of actual users of the product.

However, there is a discrepancy here: if business owners were to tap people to provide a testimony about a product and the results experienced, then it is most likely a biased demographic. The business owner will pick only users who have something positive to say about the product, since their main intent is to influence the buying choices of the consumers.

This is when the power of word of mouth marketing becomes evident. Using this method to communicate the potentials of a given brand creates a personal connection between the consumers and the product in question. Previous users to the product who attained satisfaction from it can recommend the product to their friends or family members. Therefore, business owners can get free advertisement out of that, which is probably as effective (or more) than a TV ad but without the costs.

Word of mouth marketing can work to a company's disadvantage as well. It happens when people who have tried the product have certain complaints about bad service, or bad quality products, and unsatisfactory customer relations. Research reveals that word of mouth marketing essentially has a bigger impact on the buying decisions of people aged between 18 to 34 and 35-54.

Guidelines for Choosing Fabrics When Dressmaking (part 2 of 2)

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Wool is naturally warm, wrinkle resistant, and absorbent. That is because the fabric is made from hair fibers of animals like sheep (the most common source of wool fabric in the industry). Wool is best for making winter dresses and coats. You can also impart additional knowledge about wool, especially to the one wearing the outfit. Wool fabric should never be ironed, but it can be steam pressed. Most wools should only be dry cleaned.

Cotton is perhaps the most popular and commonly used fabric for dressmaking because it can be used when making just about any dress. Cotton is made from a plant also called cotton. It is characterized by its durability, making it long wearing and extra strong. The fabric can come with different textures, finishes, and weight. It can also be knitted or woven. Many people prefer to wear cotton clothes because it is comfortable to the skin and is ideal for all climates.

The abovementioned fabrics are made from natural materials. You can also choose from among several fabrics that are synthetically manufactured. Some of the synthetic fabrics are nylon, acrylic, and polyester. Nylon is highly elastic, tough, and moth resistant. Acrylics are light weight and are warm. On the other hand, polyester is light weight and is quickly drying, making it ideal for making athletic clothes. Polyester also exhibits wash and wear features.

Know the characteristics of fabrics you are considering using before finally making a dress. Natural and synthetic fabrics are equally recommendable, though synthetic types are more advisable for heavy duty purposes.

Now, you can proceed to make the dress.

Guidelines for Choosing Fabrics When Dressmaking (part 1 of 2)

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Dressmaking can never be possible without fabrics. A fabric is a basic material dressmakers use when designing and making any dress. There are many types of fabrics available in the market. Professional dressmakers very well know about the nature and appropriate use of every fabric. However, if you are still a beginner in making dresses, you should learn more about the different types of fabrics, and which one you should use for particular purposes.

There are specific factors you need to consider when creating and implementing certain dressmaking ideas. Before you start making any dress, you need to know where the outfit will be worn, what occasion, and some other specifications and requirements of the person who will wear the dress. Such factors will provide you useful and appropriate ideas when finding and choosing fabrics that are right for your project. After you have taken body measurements and decided on the design to use, it is time you pick out the correct fabrics to use.

Silk is a natural fiber taken from silk worms’ unwound cocoon. In general, silk is known for its absorbency features. The fabric is very comfortable to wear in tropical to warn climates. Dressmakers should know that silk has low conductivity. Thus, it can keep warm air close enough to skin specifically during winter or cold weather. Silk is most commonly used when making blouses, lingerie, shirts, robes, pajamas, skirt suits, and sun dresses.

Linen is another popular fabric used when making dresses. Linen is also a natural fabric because it is manufactured from natural fibers of a plant called fax. The fabric is characterized by its coolness and absorbency. It is popularly used when making dresses, skirts, and suits.

Know How To Speak Through Body Language (part 2 of 2)

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You can still give a good impression even in the most tense situations, like in a job interview. You simply have to avoid gestures that are giving signals that you are nervous, uncomfortable, or anxious. Never slouch, fidget, drum your fingers, shuffle your feet, or tremble. These actions takes the word “confidence” away from you.

You can also speak through handshakes. A firm one with the palm pointing downwards and arm slightly extended indicates confidence or power. Meanwhile, a weak handshake pointing upward is an indication of tension or shyness.

You must also be aware of the message you are trying to convey whenever you cross your arms. This is one of the actions that you must avoid. This will tell another person that you might be hiding something, lying, or being impatient.

Make Your Eyes Talk

Your eyes can clearly express what you feel or desire. Eye contact is the most important eye body language since it could mean interest, confidence, eagerness to listen, and sincerity. The inability to hold long eye contact indicates dishonesty or discomfort.

Culture: A Very Important Consideration

In conversing with another person, it is a great advantage that you know their culture. Prolonged eye contact, act of raising voice volume, and touching may be rude to other countries, especially in Asia. Also, there are a number of gestures that mean differently in other cultures.

Learn how to speak using your body. Body language is indeed much more convincing than words and is very useful in giving impressions in certain situations. But the only trick in learning how to speak and understand body language is that what books or research say may not necessarily be the intentions or real message of one person.

Know How To Speak Through Body Language (part 1 of 2)

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Body language is a form of nonverbal communication wherein one can send or receive messages through body movements, gestures, facial expression, and the like. There are general acts of body language that almost everyone does in his or her daily life. However, do you know how to speak this language? Can you understand other people by just reading their body language? The importance of knowing how to speak through body language is that you can have the ability to control any situation with anybody in any place and time.

Personal Space

Everyone of us has his own personal space. It is somewhat like a comfort zone. It is an invisible region that surrounds you, and if someone tries to invade it, you will feel uncomfortable or threatened. But one's personal space is dependent on certain situations. A person who grew up in the city with crowded streets has a smaller personal space compared to one who lives in the rural area. Learning how to respect one's personal space is one method to make communication through body language more effective between two or more people. There are body movements and gestures better appreciated and understood when there is an appropriate distance.

Body Gestures And Movements

Various body parts are used in the body language – the hands, arms, legs, head, and body posture. Hands can make several gestures, each with a difference in meaning; and you can express well through them. If you want to let another person know you are interested in him or in the conversation, the hands can emphasize it for you. Do not try to hide your hands from him, like putting them into your pockets. This gesture means that you are hiding something from him or you are already getting bored. Showing your palm upward or outward shows that you are comfortable and interested in your situation. Leaning your body or directing it towards that person is also a signal that you are indeed listening to him.