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Question 1: How do you recover deleted sms messages from iPhone once deleted?
My God! I don’t know what happen!!! I was told that I have lost my text message forever when I synced my iPhone. Is there any way or anything that can retrieve deleted text messages iPhone 4S? What if I did not sync the damn iPhone, nothing was wrong. Please help as soon as possible!

Question 2: I deleted my iPhone sms and how to retrieve iPhone SMS if possible?
I received a sms this morning from an important client. However, I deleted it accidently before I could read it. Im wondering if there is any way I can restore iPhone sms messages. PLEASEE HELPPP!

I read such questions about iPhone sms recovery every day. It is not strange that iPhone users deleted their sms by mistake. Today, in this article I’d like to share some valid and simple methods to retrieve iPhone sms. These methods could be used for all iPhone versions as iPhone 5, iPhone 4S, iPhone 4, iPhone 3GS etc.)

Safe and efficient ways to recover text messages iPhone
SMS recovery software is the most efficient way for iPhone text message recovery. There are so many sms recovery software nowadays, for most people, what we need to do is choose a valid but inexpensive one. Tenorshare iPhone Data Recovery is the one as more people have had success with it. Not only is this program able to recover  text message but also other files like photos, contacts, videos, audio, calendar, call history, bookmarks, etc. You can get it from http://www.any-data-recovery.com/product/iphone-data-recovery.html

Follow the below ways, you will be guaranteed to get back all the deleted sms without any loss!

Method 1: Recover iPhone SMS without Backup
Never backup iPhone sms with iTunes or iCloud before? It doesn’t matter, deleted sms can be quickly and easily recovered by iPhone Data Recovery program. Below are the simple steps:
1. Download Tenorshare iPhone Data Recovery and install it on your PC. Launch it and you will get the interface below:


Note: Except iPhone 5 and iPhone 4S, other iPhone versions need to enter DFU mode to scan lost files. Click How to enter iPhone DFU mode to learn details.

2. Choose “Recover Data from iOS Device” option, and click “Star Scan” to scan for lost data. After the scanning is completed, you can preview the deleted sms before recovery.

3. Choose “Messages” category, select the messages you need to recover, and click “Recover” to save the text message on your computer.

Method 2: Recover deleted text messages iPhone from Backup
However, you may ask: “What if I have a backup before?” Well, take it easy, you can resort to other ways. Here is a note: sync iPhone with iTunes will covered the old backup files, so please don’t do that before retrieve the lost data.

Select “Recover Data from iTunes Backup Files” option. iPhone Data Recovery program will identify all the backup files in this computer automatically. Then choose the backup file which needs to recover sms, click “Start Scan”. The last steps are preview and recovery.

Source: http://www.any-data-recovery.com/topics/mobile-devices/recover-deleted-text-messages-iphone.html

Update (September 27, 2013)
The methods above also help to recover text messages on iPhone 5S/5C. Besides, I have got several responses that this article have been helped people restore lost text messages after iOS 7 update successfully.

HBL

HBL was the first commercial bank to be established in Pakistan in 1947 founded by Habib group. In 1973 it was nationalized with other banks of the country. The Government of Pakistan privatized HBL in 2004. HBLs majority shares are owned (51%) by the Aga Khan Fund for Economic Development, 42.5% of the shareholding is retained by the Government of Pakistan (GOP), whilst 7.5% is owned by the general public.

Half yearly closing

At the end of second quarter i.e. on 30th June, banks close their books for calculation f profit, preparation of returns for SBP and Taxation authorities

Hard currency

Money that is backed by gold reserves and is readily convertible into foreign currencies. These are the currencies, usually from a highly industrialized country, that is widely accepted around the world The U.S. Dollar and the British Pound are good examples of a hard currency.

Head office

Office that execute controls and coordination functions of the bank

Health certificate

Certificate issued by the health and sanitation authorities of an airport or seaport to the captain of a visiting vessel (aircraft or ship). A clean certifies that, no contagious disease was known to exist at the air/sea port when the certificate was issued, the vessel is free from all such diseases and, thus safe for carrying people and/or edible cargo. 

Hedging

This is a strategy used in limiting or offsetting probability of loss from fluctuations in the prices of commodities, currencies, or  shares/securities 

Heir

Who by law succeed other, a person who inherits property of a deceased person, as by relationship, will, or legal process.

Heir ship certificate

A Heirship Certificate is issued by a Tahsildar/ Asst. commissioner or a magistrate. This certificate is useful for, very limited purposes, such as mutation of revenue records and release of very limited amount from the banks Heirship Certificate can be used only where there is no dispute regarding the persons entitled to succeed to the estate of a deceased person, wherever there is a dispute, a Succession Certificate shall be required. 

Hire purchase

This is a system of payment for goods in regular installments while using it. This is very common in Islamic mode o financing

Hire purchase agreement

This , is a contract, of sale of  goods, on credit in regular installments while purchaser using it. The duration of the contract can be for considerably for longer time. Under the agreement the seller may be able to recover the goods at any time on non-payment of number of installments mentioned in the contract. 

Holder

The “Holder” of a promissory note bill of exchange or a cheque means the payee or the endorsee that is in possession of it or a bearer of the instrument. If an instrument is lost and not found again, or is destroyed, the person in possession of it, at the time of loss or destruction shall be treated to continue to be its holder.

Holder for value

A holder to whom a negotiable instrument is issued or transferred in exchange for something of value. If bank is holder for value, it can not claim protection available to the collecting banker under section 131 of the Negotiable instrument Act 1881.

Holder in due course

Holder in due course means the claimer of a cheque / negotiable instrument, who has lawful title free from any defect. Title shall be treated as defective, if possession of the instrument / cheque has been taken by means of any offence, fraud or any unlawful consideration.

The conditions of holder in due course are:-

The holder has taken the instrument before it became overdue, without notice that it was previously dishonored, Instrument was taken in good faith against value, without knowledge that the person who has given the instrument (Negotiated) was having a defective title.Negotiable instruments Act 1881 section (9) defines holder in due course

as under:

“Holder in due course” means any person who for consideration becomes the possessor of a promissory note, bill of exchange or a cheque, if payable to bearer, or payee or endorsee thereof if payable to order, before it became overdue, without notice that the title of the person from  whom he derived, his own title was defective.

Holding company

Holding company is that which controls other companies through stock ownership but that usually does not involve directly in their operations. Since it holds controlling shares, it can effect into management and policy making of the other company.

Honorarium

A payment given to a person for rendering services for which fees or salary is not traditionally paid.

Hot card

Bank card that cannot be honored for payment, due to the card has been reported lost or stolen, or has been cancelled by the issuer. Hot cards are listed in the combined Visa and MasterCard hot cards list

Hot money

It is the money that is moved quickly from one form of investment to another by its owner/investor, just to take advantage of exchange rates or gain high short-term returns on investment.

House bill of lading

Bill of lading issued by a freight forwarder as a receipt for the goods being shipped with other cargo as one consignment. It is not a complete document of title, a forwarders B/L has a legal standing similar to that of a normal B/L. If not specifically prohibited under the terms of the L/C, it is capable of being negotiated and of acceptance by the importers bank for payment under a letter of credit

Hypothecation

It is a kind of security where lender only possesses equitable charge on the goods. It is a kind of security  arrangement in which neither the possession nor the title but only the right to sell an asset passes on to the banker or lender. to

Key

This is a device used to open a lock, a piece of information that controls the operation.

Key currency

One of the strong currencies (dollar, euro, yen, etc.) or IMFs special drawing rights (SDR) used by a country to hold its foreign currency reserves and gold for settling international trade transactions and other obligations. 

Key man

The Person vital for the organization that runs the show, the major player in your sales team

Key man insurance

This is a insurance policy taken by an employer on the life or health of any employee whose knowledge, work, or overall contribution is considered very valuable to the company. The purpose is to compensate that business for financial losses that would arise from the death or extended incapacity of the member of the business specified on the policy.

Key money

It refers to the amount paid by a lessee as deposit on a leased property.

Key performance indicator

It refers to the key business statistics such as number of new orders, cash collection efficiency, and return on investment , which measure a companys performance in different areas.

Key tasted telex

This refers to old form of wire transfer of funds which used telex machine and telex messages were authenticated by the use of code (key) numbers

Kiting

Issuance of a cheque that will overdraw the account but making up the deficiency by depositing another cheque drown on another bank, to cover the cheque.

Kitty

A pool or reserve of money collected from a number of persons or sources and designated for a particular purpose specified by the contributors. For example money collected by the government through different tax channels (kitty) and distributed between different departments of central government and Provinces. 

                                                                                                                                 And the bad thing is this limit can also slow down P2P applications like "uTorrent, BitTorrent, Vuzu, BitComet, eMule". Because they need to connect to several peers for better Download Speed.When the half open connections limited by windows it can connect to few  peers.Thats why we need patch "tcpip.sys" file to expand the limitation and get better Torrent download speed.OK friends lets remove the limitation for forever!!!!

Windows XP Sp2/Vista/Windows 7, 32bit(x86)/64bit

Meaning of the numbers

1 - Original file, without any modification.

3 - The file has been modified, but with a test certificate.

9 - The file has been modified, but not repair signing. (Windows XP does not compare the signing)

Important:

* In Vista / Windows 7, testsigning must set to on," Test mode " watermark may appear in Desktop.

* If " Test Mode " watermark exists on the desktop, apply the patch once again.

* If  it still exists dont try to disable it. let it be there, it wont bite you...

More Info....

Vacant possession
Property not occupied, or with no tenant in possession.

Valid
An agreement, document authorized by law or otherwise having legal effect or force.

Validate
To make any document, instrument, legally effective. In banking a cheque becomes state after six months of its issuance, after that it requires validation.

Validity
The period for which an agreement, negotiable instrument, bid, offer ,claim, document, letter of credit, guarantee etc remains in force.

Value
It refers to the monetary worth of an asset, business entity, goods sold or service rendered, or liability or obligation acquired.

Value added cost
It refers to the resources consumed in enhancing the value of a goods or services.

Value added tax (VAT)
This is a consumption tax which is levied at each stage of production based on the value added to the product at that stage.

Value date
The date on which an account holder can use the funds from deposited cheques that have passed through the banks clearing cycle, the date on which a deposit starts to earn profit.

Variable cost
This is the cost which varies, more or less, with the increase/ decrease in production or the sales revenue of a company, e.g.  raw material, energy usage, labor (wages), distribution costs, etc.

Variable rate
Any interest/ profit  rate or dividend that changes on a periodic basis.

Variance
Difference between an expected and actual result, such as between a budget and actual expenditure.

Vault
An area, in a bank or  financial institution, which is a safe and secure place for storing items of value. Bank vaults must meet a series of safety regulations, required under their own policy as well as regulators. Vaults are generally used to keep cash, as well as customers safe deposit lockers.

Vendor
This refers to the manufacturer, producer, or seller who are in the approved list of a company to provide certain items.

Vested
This refers to any thing guaranteed as a benefit, privilege, or right, immediately or in future.

Vested interest
It refers to the personal stake, or expectation of personal gain, that underlies a strong commitment to maintain or influence an action

Veterinary certificate
A certificate issued by competent authority, which is required to indicate that livestock is free from specified diseases

Viable
This refer to any thing according to the requirement, or practical, For example, a company is looking for a substitute of a manufacturing item, it will consider viable alternative that would provide a similar benefit at a reasonable cost.

Visa
This is a certificate issued or a stamp marked on the applicants passport by the immigration authorities of a country to indicate that the applicants credentials have been verified and he or she has been granted permission to enter the country for a temporary stay within a specified period. This permission, however, is provisional and subject to the approval of the immigration officer at the entry point

Void
Agreement which is absolutely null, without legal force and legal effect, such as an agreement for an immoral consideration.

Voidable
This is the agreement which is capable of being set aside by a court or rescinded at the option of one of the involved parties. For example agreement caused by coercion, undue influence, misrepresentation

Vostro accounts
This is a local currency account maintained by a local bank for a foreign (correspondent) bank. For the foreign bank it is a nostro account.

Voucher
This is a written instrument that confirm for some fact such as a transaction. It indicates that goods have been bought or services have been rendered, authorizes payment, and indicates the ledger account(s) in which these transactions have to be recorded.

9 ? WiFi Analyzer

Job

The tasks allocated and performed by an employee in an exchange for pay, a job consists of duties, responsibilities, and tasks that are defined and specific, can be, quantified, measured, and rated. 

Job analysis

The examination of the tasks and employee role, conditions under which they are performed, what the job requires in terms of achievement, behavior, knowledge, skills, and the physical condition of the employee. Job analysis begins with the study of the organization e.g. its purpose, design and structure, and resource constraints.

Job card

This is a card in which details of the task to be undertaken and of the  details of the time spent in performing the job are recorded. 

Joint account

Account in the name of two or more individuals who jointly share its rights and liabilities and regarded as joint owner. Any action against them pertaining to that account is made against jointly and not individually /severally. Two types of joint accounts are 1) account jointly operated  whose operation is stopped on the death of any joint owner and 2) Either or survivor,  in which either owner may individually exercise full rights to make deposits or withdrawals on his or her signatures. In case of either owners death, the survivor automatically takes the sole control of account assets without probate

Joint and several liability

This term is used in loan agreements involving two or more borrowers. In joint and several agreements, the liability in case of default is enforceable against all of the signatories as a group or against any one of them as an individual at the choice of the enforcing party. The claimant may recover all the damages from any of the defendants regardless of their individual share of the liability

Joint liability

Joint liability is that Where two or more persons are liable in respect of the same liability. Partnership agreement is the best example of joint liability. In a partnership agreement, all partners are jointly liable. One partner can bind other partner and any action pertaining to the partnership is taken jointly against all partners, and not against one or two. 

Joint stock company

It is a type of association of individuals in a business enterprise. Certificates of ownership are called share certificates, which are issued by the company in return for each financial contribution routed through an account. The shareholders are free to transfer their shares at any time by selling their stockholding to others. A shareholder is not liable for any of the companys debt beyond the face value of their shareholding

Joint venture

It is a business enterprise in which two or more companies enter a temporary partnership Businesses of any size can use joint ventures to strengthen long-term relationships or to collaborate on short-term projects.  It is a good way to access to new markets and distribution networks, increased capacity, sharing of risks and costs with a partner, including specialised staff, technology and finance.

Judgment by default

This is a binding judgment in favor of the plaintiff when the defendant does not respond to summons or has failed to appear before a court of law, and if opponent admits the entire claim. A defendant can have a default judgment, vacated, or set aside by filing a motion, after the judgment is entered, by showing of a proper excuse.

Judgment creditor

The winning plaintiff in a lawsuit to whom the court decides that the defendant have to pay money is known as a judgment creditor until the award is paid. A judgment creditor is legally entitled to enforce the debt with the assistance of the court.

Judgment debtor

The term describes a party against which a court has made a monetary award (the losing part). This is just reverse of judgment creditor.  The losing party must satisfy the amount of the award, which is called the judgment debt.

Jurisdiction

The power or authority to interpret and apply the law, the right to exercise authority, the limits or territory within which authority may be exercised.