Kariagandam Chitra's son Ganesh & Kavitha Marriage

Vanakkam! Vaazhga VaLamudan!

Our relative and my cousin D. JaiGanesh S/O Mr.Dhanapal & Mrs.Chitra, Karaigandam, Mayiladuthurai

Married R.Kavitha today @ Mayiladuthurai.

Ganesh mobile no – 9444483807

Email id -jaiganeshd@yahoo.com

Smartest Salesman

A keen immigrant Indian Marwadi lad applied for a salesman’s job at London ‘s premier downtown department store. In fact, it was the biggest store in the world – you could get anything there.

The boss asked him, “Have you ever been a salesman before?” “Yes sir, I was a salesman in India “, replied the lad. The boss liked the cut of him and said, “You can start tomorrow and I’ll come and see you.”

The day was long and arduous for the young man, but he got through it. And finally 6:00 PM came around. The boss duly fronted up and asked, “How many sales did you make today?” “Sir, Just ONE sale.” said the young salesman. “Only one sale?” blurted the boss. “No! No! You see here, most of my staff make 20 or 30 sales a day. “If you want to keep this job, you’d better be doing better than just one sale. By the way “How much was the sale worth?”

93300534.00 pounds” said the young Marwadi. “What”,” How did you manage that?” asked the flabbergasted boss.

“Well”, said the salesman, “This man came in and I sold him a small fish hook, then a medium hook and finally a really large hook. Then I sell him new fishing rod and some fishing gear. Then I asked him where he was going fishing and he said down the coast. So I told him he’d be needing a boat, so I took him down to the boat department and sold him that twenty-foot schooner with the twin engines. Then he said his Volkswagen probably wouldn’t be able to pull it, so I took him to our automotive department and sold him that new Deluxe 4X4 Blazer.

I then asked him where he’ll be staying, and since he had no accommodation, I took him to camping department and sold him one of those new igloo 6-sleeper camper tents. Then the guy said, while we’re at it, I should throw in about $100 worth of groceries and two cases of beer.

The boss took two steps back and asked in astonishment, “You sold all that to a guy who came in for a fish hook!!”

“No” answered the salesman, “he came in to buy a headache relief tablet and I said to him, “Sir, fishing is best headache removal”

Boss – “You sit in my chair…….

Power of Compounding

NanbargaLey,

Vaazhga VaLamudan! UngaL Anaivarukkum Iniya Deepa OLi Thirunaal Nal VaazhththukkaL ! This DIWALI, may the SCRIP called life pay you DIVIDENDS of joy, issue a liberal BONUS of good fortune, you get all the RIGHTS to enjoy Life Your Success reaches ALL TIME HIGHS, let there be no CORRECTION in your happiness & let the SUPPORT of our good wishes, help you cross the RESISTANCE of prosperity Let us appreciate the 8th Wonder of the World - "Power of Compounding" and use it to the best of our efforts for each of our "FAMILY". Rather than timing the market, time in the market is what needed to make money in equity investing through Mutual Fund mode

Income Tax Calculator

Income Tax Calculator for salaried individuals for the Financial Year (FY) 2010-11--Assessment Year (AY) 2011-12 is available in Nithyanand Yeswant's website.

It is very useful for calculating Income Tax, Interest (u/s 234 A,B,C) to be paid if the tax amount for a FY is not paid before Mar 31 of that FY. I have been using his calculator for 4 years. You can fill in the maximum amount you can invest and find out how much tax you can save and what is the net tax liability. In most of the companies the last date for submitting proof of investment is Jan 31 or at most Feb 15. Consult with your financial planner / tax consultant and plan your investments.

You can invest upto Rs.20,000 in "Notified Infrastructure Bonds" and claim tax benefit u/s Sec 80 CCF. It is advisable NOT to invest more than Rs.20,000 in these bonds because there is no tax benefit for any amount beyond that. There are better investment options available for any amount over and above Rs.20,000.

After investing Rs.1,00,000 u/s 80C, Rs.20,000 u/s 80CCF, availing tax exemption for home loan interest upto Rs.1,50,000, mediclaim premium u/s 80D, interest for higher education loan u/s 80E, donations u/s 80G and u/s 80DD, 80DDB, 80U and you still want to invest and save tax, call me for an interesting opportunity given by Income Tax Dept to reduce the tax burden but mostly neglected by people due to lack of awareness.

Please do feel free to call / sms me @ 9840846029 for making a financial plan for your family, Human Life Value calculation, Need Analysis, Net Worth calculation, protecting your family through Insurance, services related to Insurance(any company), Mutual Fund investments, servicing & portfolio review / rebalancing, Home/Fire/Motor Vehicle/Personal Accident/Mediclaim Insurance, Tax calculation, IT return filing and IT refund processing.

Our initiative to reduce global warming

Vaazhga VaLamudan!
I hope you would be aware of Exnora India's latest initiative on global warming.They have asked us to do an important task today. Let us continue it further also.

Let us take it little further and from today onwards (08.08.08) from time 08 hrs 08 mins 08 sec in the night,let us swtich off all the electric lights, elelctrical & electronic devices including tv, ac, computers, laptops, kitchen related consumer appliances and most of all our mobiles also for minimum 8 minutes.

We can continue to do this for as many days as we can. Please change the timings in the night to suit your convenience in case you are not in home @ that time.My family has already pledged their support to do this for atleast 1 month.

Little Watts Saved by us make Mega Watts ( MW )
(Let us all do this in addition to the government's forced power cut thats in vogue already)

As mankind we have to failed to harness and utilise the SOLAR power that is available abundantly. It is the only perennial source available but sadly we have not utilised it properly. Let us try to use it atleast from now on.

Please see "Naanayam Vikatan" issue dated July 16 - 31 2008, pages 20-24 for an article on Financial Planning & my photograph on page 23. Will upload a soft copy of the image soon.

When do we need to MOVE?

Dr. Gopalakrishnan succeeds Mr. Ratan Tata as Chairman of Tata Sons Ltd.,the holding company for many of the Tata blue chips like Tata Steel,TataMotors, Tata Power, Tata Chemicals, Voltas etc.

Possibly he is the firstNon - Tata person to head the Tata Empire. Read this article by Dr. G- it is really interesting.

The grass isn't always greener on the other side!! Move from one job to another, but only for the right reasons. It's yet another day at office. As I logged on to the marketing and
advertising sites for the latest updates,as usual, I found the headlines dominated by "who's"
moving from one company to another after a short stint, and I wondered, why are so many people leaving one job for another? Is it passé now to work with just one company for a sufficiently long period? Whenever I ask this question to people who leave a company, the answers I get are:

"Oh, I am getting a 200% hike in salary"; "Well I am jumping three levels in my designation";
"Well they are going to send me abroad in six months".

Then, I look around at all the people who are considered successful today and who have reached
the top - be it a media agency, an advertising agency or a company. I find that most of these
people are the ones who stuck to the company, ground their heels and worked their way to the top. And, as I look around for people who change their jobs constantly, I find they have stagnated at some level, in obscurity. In this absolute ruthless, dynamic and competitive environment, there are still no - short cuts to success or to making money. The only thing that continues to pay, as earlier is loyalty and hard work. Yes, it pays!

Sometimes, immediately, sometimes after a lot of time. But, it does pay. Does this mean that
one should stick to an organization and wait for the golden moment? Of course not. After, a long
stint, there always comes a time for moving in most organisations, but it is important to move
for the right reasons, rather than the superficial ones, like money, designation or oversees
trip. Remember, no company recruits for charity. More often than not, when you are offered an
unseemly hike in salary or designation that is disproportionate to what the company offers it
current employees, there is always an unseemly bait attached. The result? You will, in the long
term have reached the same level or may be lower levels than what you would have in your current company.

A lot of people leave their organisations because they are "unhappy". What is this so called
unhappiness? I have been working for donkey years and there has never been a day when I am not unhappy about something in my work environment - boss, rude colleagues, fussy clients etc.
Unhappiness in a work place, to a large extent, is transient. If you look hard enough, there is
always something to be unhappy about. But, more importantly, do I come to work to be "happy" in the truest sense? If I think hard, the answer is "No". Happiness is something you find with
family, friends, may be a close circle of colleagues who have become friends.

What you come to work for is to earn, build a reputation, satisfy your ambitions, be appreciated
for your work ethics, face challenges and get the job done. So, the next time you are tempeted to move on, as yourself why are you moving and what are you moving into? Some questions are:

• Am I ready and capable of handling the new responsibility? If yes, whatcould be the possible reasons my current company has not offered me thesame responsibility?
• Who are the people who currently handle this responsibility in the current and new company? Am I good as the best among them?
• As the new job offer has a different profile, why have I not given the current company, the option to offer me this profile?
• Why is the new company offering the new job? Do they want me for myskills, or is that ulterior motive?

An honest answer to these willeventually decide whether you go in your career to the top of the pile in the long term (at the cost of short - term blips) or to become another average employee who gets lost with the time in wilderness.

"DESERVE BEFORE YOU DESIRE"- Dr. Gopalakrishnan, Chairman TATA Sons.

The Power of Positive Thinking

From 2007

Let us Achieve

Good Health

Long Life

Enough Wealth

Harmony

Happiness

Bliss

Individual Peace

Peace in the Family

And World Peace

vaazhga vaLamudan!

Let us Think Globally and Act Locally

Let us Achieve World Peace Through Individual Peace

Call me / 04253 - 288733,288755 / 044-24411692 practical solutions to achieve all the above

The power of positive thinking

Today I met one person as part of my routine business activity. When he was in his mother's womb as a foetus, she contracted a special type of measles. This affected the foetus also and so he was born deaf. Both the ears were affected to about 80%. As a baby he did not turn his head when any sound was created around him. Crying was the only mode of communication. All the people around him lost their hope except his mom. She believed very strongly that one day her son would be able to hear the words spoken by her.

She continued to speak to him just as how a mother would speak to a normal baby. She made him to observe her lip movements and slowly and steadily he started speaking some of the words. At the age of six he started listening and speaking. Then he was given a hearing aid machine and he started going to school.

He used to sit in the first row and started listening to sound more so by observing the mouth of the teacher and the hearing aid also helped him to improve his listening skill.He completed his post graduation in Bio Tech and is now a Manager in a very reputed pharma company. He still wears a small hearing aid in his ear which has got no wires.

The way he speaks today and the way he listens to what others speak is really great. He is now a very good listener and speaker in the true sense. He is more abled then the average people like us.Had his mother lost hope in him and stopped speaking to him then he would not have become what he is now. It is her sincere, firm and positive belief that has brought him all the success he achieved in his life. This is the power of positive thinking.

One question which came to my mind after speaking to him was ----

• Am I a good listener ?
• Is Veera really a good listener ?