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Ppovident fund

Dear All,

Can any body guide me that how to implement provident fund policy in an organisation who earlier did not have provident fund facility, i have in my mind following queries which need clarification?
1) How should be the …

First what good old Ted is up to:

Yesterday we kept hearing something falling and scrapping, but no matter where the guys looked they found nothing. We finally decided it must be ice falling off the trees. Wrong!
This morning dh and I were up at 4:00 am …