Berpikir Positif

Terbit pada Rabu, 14 Januari 2015

Berpikir positif adalah salah satu cara untuk mengatasi stres Anda dalam menjalani kehidupan ini, termasuk pekerjaan. Berpikiran positif membawa diri kita menjadi yang baik, energi positif mengalir di dalam tubuh kita, mulai dari ujung kepala hingga ujung kaki.

 

Pikiran positif mengarahkan seseorang untuk selalu berprasangka baik dengan apa yang terjadi di kehidupannya. Mengarahkan seseorang untuk berpikiran jernih, tenang, dan nyaman dalam menjalani kehidupannya.

 

Pikiran positif juga ada manfaatnya di lingkungan kerja. Setidaknya ada lima manfaat berpikiran positif sebagai berikut:

  1. Meningkatkan Motivasi

Dalam lingkungan kerja, pikiran positif sangat membantu sekali dalam meningkatkan gairahnya seseorang karena dirinya selalu beranggap bahwa apa yang dikerjakan saat ini pasti ada manfaatnya di kemudian hari. Bila dirinya sudah beranggapan demikian, tanpa disadari ada gairah yang memotivasi dirinya untuk menyelesaikan tugasnya meskipun dalam pelaksanaannya tidak mudah. Bila sudah ada motivasi, dirinya akan terus bergerak untuk tidak berhenti mengembangkan dirinya ke arah yang lebih baik (move on). Hari ke hari, bulan ke bulan, tahun ke tahun, dirinya tidak akan sama. Motivasi yang ada pada dirinyalah yang terus membuat maju ke depan.

  1. Menumbuhkan Inovasi

Pikiran positif dapat membantu menumbuhkan inovasi. Dirinya akan meyakini bahwa kinerjanya saat ini, pasti akan berdampak kepada kelangsungan perusahaan baik langsung ataupun tidak langsung. Kerja cerdas akan menghasilkan output yang bernas dan sebaliknya. Hal ini yang mendorong dirinya untuk selalu berusaha mencari apa yang bisa dia lakukan yang lebih baik sehingga membawa perubahan positif di lingkungan kerjanya.

  1. Meningkatkan Loyalitas

Pikiran positif memacu diri untuk selalu merespon yang baik terhadap apa yang dialami, dan secara tidak sadar pun akan mendorong untuk melaksanakan sesuatu dengan cinta, bukan paksaan. Bila seseorang sudah melaksanakan sesuatu dengan cinta, dirinya terus mengerjakan apa yang dicintainya. Dirinya akan bekerja dengan memberikan layanan yang terbaik di lingkungan kerjanya. Dan ketika dirinya dipromosikan di posisi yang baru, beranggapan bahwa itu adalah suatu ujian baginya apakah dirinya akan lulus menjalankan tugas dan tanggung jawab barunya, sehingga memacu dirinya untuk selalu memberikan yang terbaik bagi perusahaannya.

  1. Hubungan Harmonis

Pikiran positif membiasakan diri seseorang untuk berprasangka baik kepada sekitarnya. Pepatah mengatakan apa yang kita tanam, itu yang kita tuai. Berbuat baik kepada orang lain, belum tentu orang lain tersebut akan berbuat baik kembali. Pikiran positif memaksa seseorang untuk terus meyakini apa yang diyakininya, memaksa seseorang untuk terus berbuat baik kepada orang lain meskipun orang lain tersebut tidak berbuat baik kembali, karena dirinya yakin suatu saat orang tersebut akan luluh dengan kebaikan yang diberikan. Bila satu orang berpikiran positif seperti itu dan ditularkan ke lingkungannya, sungguh menakjubkan dampak yang muncul.

  1. Berbagi Pengetahuan

Pikiran positif membuat seorang karyawan lebih terbuka kepada rekan kerjanya. Dirinya akan menularkan ilmu (sharing knowledge) yang dimilikinya kepada rekan kerja. Bila rekan kerjanya dapat melakukan apa yang dilakukannya, akan mempercepat penyelesaian pekerjaan. Bila dirinya sakit, pekerjaannya pun tetap terlaksanakan dikarenakan rekan kerjanya mampu untuk itu. Dan ketika dirinya dipromosikan ke jenjang yang lebih tinggi, dirinya sudah tidak perlu lagi mencari calon yang akan menggantikan posisi dirinya, banyak rekan kerjanya yang dapat menggantikan dirinya. Hal ini lazim disebut dengan hand over atau pelimpahan tugas kepada rekan kerja yang lain.

 

Ada pepatah yang mengatakan “Ubahlah cara berpikir Anda, maka Anda akan dapat mengubah kehidupan Anda”. Apakah kita sudah berpikiran positif hari ini? (Ikhwan Krisnadi_IT, OPI_Corcom)

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Terdapat 15 komentar

Widya Okta said on Nov 30, 2015
Saya sangat senang dan memutuskan untuk berbagi kebahagiaan saya dengan Anda semua, saya dan keluarga saya telah diberkati oleh Tuhan menggunakan Sandra Ovia Loan Firm, saya mengajukan pinjaman satu minggu lalu dan saya mendapat pinjaman disetujui Jumat lalu dan hari ini saya punya saya pinjaman senilai Rp900,000,000.00 ditransfer ke rekening bank saya, saya sarankan Sandra Ovia Pinjaman Firm sebagai yang terbaik dan saya berdoa Tuhan akan memberkati mereka dan menjaga bisnis mereka ke depan, Amin
Jika Anda membutuhkan saran tentang bagaimana saya pergi melalui dengan itu, saya wil senang untuk menempatkan Anda melalui, Anda dapat menghubungi saya melalui
Anda dapat menghubungi firm pinjaman langsung pada mereka

Terima kasih
Widya Okta
solusi cepat kaya said on Feb 18, 2017
,,.,KISAH NYATA ,,,,,,,
Aslamu alaikum wr wb..Allahu Akbar, Allahu akbar, Allahu akbar
Bismillahirrahamaninrahim,,senang sekali saya bisa menulis dan berbagi kepada teman2 melalui room ini, sebelumnya dulu saya adalah seorang pengusaha dibidang property rumah tangga dan mencapai kesuksesan yang luar biasa, mobil rumah dan fasilitas lain sudah saya miliki, namun namanya cobaan saya sangat percaya kepada semua orang, hingga suaatu saat saya ditipu dengan teman saya sendiri dan membawa semua yng saya punya, akhirnya saya menaggung utang ke pelanggan saya totalnya 470 juta dan di bank totalnya 800 juta , saya stress dan hamper bunuh diri anak saya 2 orng masih sekolah di smp dan sma, istri saya pergi entah kemana dan meninggalkan saya dan anakanaknya ditengah tagihan utang yg menumpuk, demi makan sehari hari saya terpaksa jual nasi bungkus keliling dan kue, ditengah himpitan ekonomi seperti ini saya bertemu dengan seorang teman dan bercerita kepadanya, Alhamdulilah beliau memberikan saran kepada saya, dulu katanya dia juga seperti saya stelah bergabung dengan KI JAMBRONG hidupnya kembali sukses, awalnya saya ragu dan tidak percaya tapi selama satu minggu saya berpikir dan melihat langsung hasilnya, saya akhirnya bergabung dan menghubungi KI JAMBRONG di No 0853-1712-1219. Semua petunjuk AKI saya ikuti dan hanya 3 hari Astagfirullahallazim, Alhamdulilah Demi AllAH dan anak saya, akhirnya 5M yang saya minta benar benar ada di tangan saya, semua utang saya lunas dan sisanya buat modal usaha, kini saya kembali sukses terimaksih KI JAMBRONG saya tidak akan melupakan jasa AKI. JIKA TEMAN TEMAN BERMINAT, YAKIN DAN PERCAYA INSYA ALLAH, SAYA SUDAH BUKTIKAN DEMI ALLAH SILAHKAN HUB KI JAMBRONG DI 0853-1712-1219. (TANPA TUMBAL/AMAN).
Richardson McAnthony said on Jun 22, 2017

We are a Finance Industry Company professionals with over 15 Years Experience and a focus on providing Bank Guarantee and Standby Letter of Credit from some of the World Top 25 Prime Banks primarily from Barclays, Deutsche Bank, HSBC,Credit Suisse e.t.c.

FEATURES:
Amounts from $1 million to 5 Billion+
Euro’s or US Dollars
Great Attorney Trust Account Protection
Delivered via MT760, MT799 and MT103 Swift with Full Bank Responsibility
Brokers Always Protected

Purchase Instrument of BG/SBLC : 32%+2% Min Face Value cut = EUR/USD 1M-5B
Lease Instrument of BG/SBLC : 4%+2% Min Face Value cut = EUR/USD 1M-5B

Interested Agents/Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.


We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

DESCRIPTION OF INSTRUMENTS

1. Instrument: Funds backed Bank Guarantee(BG) ICC-600
2. Currency : USD/EURO
3. Age of Issue: Fresh Cut
4. Term: One year and One day
5. Contract Amount: United State Dollars/Euros (Buyers Face Value)
6. Price : Buy:32%+1, Lease: 4%+2
7. Subsequent tranches: To be mutually agreed between both parties
8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c
9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760
10. Payment Term: MT799 & Settlement via MT103
11. Hard Copy: By Bank Bonded Courier


Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



Name:Richardson McAnthony
Contact Mail :
Ardan Clooney said on Jun 22, 2017

We offer fresh cut bank instrument for lease, such as BG, SBLC,Lease and Purchase Instruments can be obtained at minimal expense to the borrower compared to other banking options. This offer is opened to both individuals and corporate bodies.

DESCRIPTION OF INSTRUMENTS

1. Instrument: Funds backed Bank Guarantee(BG) ICC-600
2. Currency : USD/EURO
3. Age of Issue: Fresh Cut
4. Term: One year and One day
5. Contract Amount: United State Dollars/Euros (Buyers Face Value)
6. Price : Buy:32%+1, Lease: 4%+2
7. Subsequent tranches: To be mutually agreed between both parties
8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c
9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760
10. Payment Term: MT799 & Settlement via MT103
11. Hard Copy: By Bank Bonded Courier


Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request

Name:Ardan Clooney
Email:[email protected]
Mochamad Wildan said on Jul 10, 2017
Aslamu alaikum wr wb..Allahu Akbar, Allahu akbar, Allahu akbar
Bismillahirrahamaninrahim,,senang sekali saya bisa menulis dan berbagi kepada teman2 melalui room ini, sebelumnya dulu saya adalah seorang pengusaha dibidang property rumah tangga dan mencapai kesuksesan yang luar biasa, mobil rumah dan fasilitas lain sudah saya miliki, namun namanya cobaan saya sangat percaya kepada semua orang, hingga suaatu saat saya ditipu dengan teman saya sendiri dan membawa semua yng saya punya, akhirnya saya menaggung utang ke pelanggan saya totalnya 470 juta dan di bank totalnya 800 juta , saya stress dan hamper bunuh diri anak saya 2 orng masih sekolah di smp dan sma, istri saya pergi entah kemana dan meninggalkan saya dan anakanaknya ditengah tagihan utang yg menumpuk, demi makan sehari hari saya terpaksa jual nasi bungkus keliling dan kue, ditengah himpitan ekonomi seperti ini saya bertemu dengan seorang teman dan bercerita kepadanya, Alhamdulilah beliau memberikan saran kepada saya, dulu katanya dia juga seperti saya stelah bergabung dengan KI.Ageng hidupnya kembali sukses, awalnya saya ragu dan tidak percaya tapi selama satu minggu saya berpikir dan melihat langsung hasilnya, saya akhirnya bergabung dan menghubungi KI.Ageng di No 0823-4576-7849. Semua petunjuk AKI saya ikuti dan hanya 3 hari Alhamdulilah Demi Allah, akhirnya yang saya minta benar benar ada di tangan saya, semua utang saya lunas dan sisanya buat modal usaha, kini saya kembali merintis usaha saya.terimaksih KI.Ageng saya tidak akan melupakan jasa AKI. JIKA TEMAN TEMAN BERMINAT, YAKIN DAN PERCAYA INSYA ALLAH, SAYA SUDAH BUKTIKAN DEMI ALLAH SILAHKAN HUB KI.Ageng DI 0812-4576 7849. (TANPA TUMBAL/AMAN).
Hugh mckeon said on Nov 06, 2017
Finding a genuine provider of financial instrument is very challenging but
we are certified Financial Instrument providers in Ireland. Presently, we
only focus on BG/SBLC for Lease and Sale transactions. However, our Lease
BG/SBLC is 4+2% and Sale at 32+2%.

Should you find this interesting and acceptable? Kindly, contact us and we
shall review and respond with draft Contract/MOU within 48hrs maximum.

Please request for full procedure details if interested.

For further inquiry contact:
Name : Hugh mckeon
E-mail :
Skype id :


fred said on Dec 18, 2017
We can help facilitate the financial service bank instrument SBLC /BG, We remain the best financial consulting company with years of experience in the international and local finance market.

We have become the hallmark of excellent service in this industry with trusted and genuine FCA registered SBLC Providers who have truly succeeded in creating significant value for all clients and brokers involved in leasing or purchasing sblc .

We issue from Top rated world Banks and also work with brokers and agents with 100% healthy commissions paid on every deal.

Leasing SBLC : 4% +2%

Purchasing SBLC : 32% +2%

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC)

2. Total Face Value : Please inform us

3. Issuing Bank: HSBC, Barclays London or Deutsche Bank Frankfurt or any Top 25 WEB

4. Age: One Year, One Day

5. Leasing / Selling SBLC / BG

6. Delivery: SWIFT MT799/MT760.

7. Payment: MT-103.

8. Hard Copy: Bonded Courier within 7 banking days.

All relevant business information will be provided upon request and we are ready to forward to you the DOA/CONTRACT of work once you inform us if you will be Leasing or Purchasing.

Best Regards

NAME;Fred Stones
E MAIL; .skype:fredforrealasurance403
Muhammed Emir Harun said on Jan 09, 2018

We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

We help you secure and issue sblc and bank guarantee for your trade, projects and investment from top AA rated world Banks like HSBC, Barclays, Dutch Ing Bank, Llyods e.t.c because that’s the best and safest strategy for our clients.e.t.c

DESCRIPTION OF INSTRUMENTS

1. Instrument: Funds backed Bank Guarantee(BG) ICC-600

2. Currency : USD/EURO

3. Age of Issue: Fresh Cut

4. Term: One year and One day

5. Contract Amount: United State Dollars/Euros (Buyers Face Value)

6. Price : Buy:32%+1, Lease: 4%+2

7. Subsequent tranches: To be mutually agreed between both parties

8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c

9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760

10. Payment Term: MT799 & Settlement via MT103

11. Hard Copy: By Bank Bonded Courier


Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



Name: Muhammed Emir Harun

Contact Mail :[email protected]
[email protected] said on Jan 31, 2018
Attention! Attention!! Attention!!!,

What is your situation? *Need 100% financing *Can't verify income *Can't verify employment *Recently self employed *Bankruptcy Collections *Credit issues *Accumulated Bills Settlement * Personal Investment Project or Company Investment Projects e.t.c. Apply for a quick and convenient loan to pay off bills and debts, start a new business or refinance your projects and expand your business in this year 2017 at the cheapest interest rate of %. For more details email
us today via email:()

Email :
Emaill:
Best Regards.
Mrs.Carol Anderson

Attention! Attention!! Attention!!!,

What is your situation? *Need 100% financing *Can't verify income *Can't verify employment *Recently self employed *Bankruptcy Collections *Credit issues *Accumulated Bills Settlement * Personal Investment Project or Company Investment Projects e.t.c. Apply for a quick and convenient loan to pay off bills and debts, start a new business or refinance your projects and expand your business in this year 2017 at the cheapest interest rate of %. For more details email
us today via email:()

Email :
Emaill:
Best Regards.
Mrs.Carol Anderson
Yusuf Adams said on Mar 05, 2018
Dear Sir

We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees,Confirmable Bank Drafts, Standby Letters of Credit (SBLC) medium term note (MTN) and Third Party Guarantees. which are specifically for sell/lease at leasing price of 4+1% /32+2% for selling price.
If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.

Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments.


DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 10M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: Barcley's Bank , HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking day.


BELOW IS OUR FCO PROCEDURE

WE will arrange for a fresh cut BG/SBLC EURO/USD $10million to 100billion in favor of your company with Euro clear access code and block code as well as the ISIN and CUSIP numbers and Common Code of the SBLC from Barclay's Bank to enable you verify it at a lease cost of 4+1% After which you will transfer Euro cost fee to validate the instrument before it is delivered by swift MT199/MT799 pre-advice and finally via MT760 and the beneficiary is expected to pay 4% lease cost via MT103 to providers funding bank after verifying and authenticating the swift MT760 from issuing bank Barclay's, hsbc, and deucthe bank etc.
Contact us for outstanding service, competence & professionalism;

For all inquires Contact:

Name: Yusuf Adams
Email:[email protected] ,[email protected]
Skype:[email protected]
WARREN GARY said on Mar 11, 2018
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact: Name: WARREN GARY

Email:

Skype:
Leon Tourish said on Mar 13, 2018
We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA.

Contact : Mr. Leon Tourish
Email:[email protected]
Skype ID:

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All inquires to Mr. Leon Tourish should include the following minimum information so I can quickly address your needs:

Complete contact information:
What exactly do you need?
How long do you need it for?
Are you a principal borrower or a broker?

Contact me for more details.

Leon Tourish
[email protected] said on Mar 28, 2018
Do You Seek Funds To Pay Off Credits and Debts? { } Is Here To Put A Stop To Your Financial Problems. We Offer All Kinds Of Loan (Personal Loan, Commercial Loan, etc.) We Give Out Loan With An Interest Rate Of 1.00%. Interested Applicants Should Contact Us Via Email:

Please Fill the Application Form Below:
- Complete Name:
- Loan Amount Needed:
- Loan Duration:
- Purpose Of Loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

If You Are Interested To Get A Loan Then Kindly Write Us With The Loan Requirement. Please, Contact Us via email:
Mr John Paul Nowacki said on Apr 02, 2018
We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication,construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable. below is our instrument description.

The procedure is very simple; the instrument will be reserved on Euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of MT760.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Purchasing Price: 32% of Face Value plus 2% commission fees to brokers.
6. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
7. Delivery: Bank to Bank swift.
8. Payment: MT-103 or MT760
9. Hard Copy: Bonded Courier within 7 banking days.

We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

Email:

Skype: Johnpaulnowacki

Regards,

Mr John Paul Nowacki
_100% Financial and investment BGs / SBLCs / LCs said on Apr 12, 2018

Dear Sir/Ma

We have direct providers of Fresh Cut BG, SBLC and MTN which arespecifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams,
Bridges , Real Estate and all kind of projects.

If you have need for corporate loans, International project funding, etc. or if you have a client that requires funding for his project or
business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN,
we fund 100% of the face value of the financial instrument.

DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 1 MIN and Eur 5B MAX (Five Billion USD).
3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
4. Age: One Year, One Day
5. Leasing Fee: Based on the Face Value of BG/SBLC Plus (0.5% + X %) Commission.
1M ? 50M: 3.0% + (0.5% + X%) = 3.5% + X%
51M ? 100M: 2.5% + (0.5% + X%) = 3.0% + X%
101M ? 500M: 2.0% + (0.5% + X%) = 2.5% + X%
6. Delivery: Bank to Bank Swift MT799 and/or MT760
7. Payment: MT103

8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.
Martin Steffens
Email:
Skype: