Agricultural activities are no more attractive to the labor force and they are not interested in continuing their life in the rural side.
They migrate to nearby bigger cities and live in the open on platforms or any place available and indulge in daily contract work as workers in road laying or in large construction projects.
They are always on the move and hence their children of all ages or both the sexes accompany them and hence are deprived of schooling.
All these children do not attend any schools as they cannot attend.
This illiterate group is slowly growing
What is the solution to this problem ?
A large number of boys from Bihar have come to Chennai and other Southern States to work as painters and workers in large construction sites and there is great demand for them as the wages paid to them or less than that demanded by the local people.
Monday, March 28, 2011
Monday, March 7, 2011
Credit Cards
Letter dated 9 March 2006 addressed to
Mr. A.K. Purwar, The Chairman, State Bank of India, Corporate Centre, State Bank Bhavan, Madame Cama Road, Mumbai 400 021, Maharashtra.
I enclose my observations on the present day functioning of the Credit Cards in our Country especially by the SBI Card vis a vis Insurance companies for your kind information and necessary amendments may be made based on the following facts.
Credit Cards
Credit Cards are designed
First – to promote plastic money thereby reducing dependence on paper money –
A Savings to the Ex-Chequer.
Second - to provide easy and flexible line of Credit to deserving people.
Third - to popularize the plastic money its credibility has been ensured.
Hence if accepted by a vendor for goods sold and or services rendered the vendor is assured of reimbursement without any delay or demur under all circumstances.
Insurance and similar services.
Insurance and similar such services are designed
First – to provide solace to the dependents of the Insured in case of calamities.
Second - to provide an avenue to save for the future.
Third - to avail the benefits offered by the Income Tax Authorities for such
Savings.
Hence when a person go in for such Insurance and similar schemes his interest is the foremost and has to be protected first as the Insurance Companies are already protected well by various legislations.
SBI Card Vs Insurance
The Insurance service provider is well protected in case of non payment of premium, by the Policy Holder.
The Insured, the individual only has to pay his premium in time to protect his interests by keeping the policy in force.
Hence only the Insured is at the receiving end and when the Insured opts for the payment of any premium through any Credit Card only the Insured’s Mandate is Supreme and the Credit Card Service provider has an obligation only to the Insured and not to the Insurance Company as the Interest of the Insured is only at jeopardy in case of disputes and in no way the Insurance Company is put to any loss by non payment of premium. The Credit Card Service provider is to safeguard the Stake of the Insured only in such cases and not vice versa.
Now the rules governing the Credit Cards take care of the Insurance Companies only and do not accept the instructions of the Insured which is not fair as explained in the above paragraphs .
I request you, Sir to reconsider the present stand of the Credit Card Organisations and please reverse the situation to protect the interests of the Insured and not vice versa.
Thanking you, Sir,
I remain,
Yours truly,
E.V.S. Aranganathan.
Mr. A.K. Purwar, The Chairman, State Bank of India, Corporate Centre, State Bank Bhavan, Madame Cama Road, Mumbai 400 021, Maharashtra.
I enclose my observations on the present day functioning of the Credit Cards in our Country especially by the SBI Card vis a vis Insurance companies for your kind information and necessary amendments may be made based on the following facts.
Credit Cards
Credit Cards are designed
First – to promote plastic money thereby reducing dependence on paper money –
A Savings to the Ex-Chequer.
Second - to provide easy and flexible line of Credit to deserving people.
Third - to popularize the plastic money its credibility has been ensured.
Hence if accepted by a vendor for goods sold and or services rendered the vendor is assured of reimbursement without any delay or demur under all circumstances.
Insurance and similar services.
Insurance and similar such services are designed
First – to provide solace to the dependents of the Insured in case of calamities.
Second - to provide an avenue to save for the future.
Third - to avail the benefits offered by the Income Tax Authorities for such
Savings.
Hence when a person go in for such Insurance and similar schemes his interest is the foremost and has to be protected first as the Insurance Companies are already protected well by various legislations.
SBI Card Vs Insurance
The Insurance service provider is well protected in case of non payment of premium, by the Policy Holder.
The Insured, the individual only has to pay his premium in time to protect his interests by keeping the policy in force.
Hence only the Insured is at the receiving end and when the Insured opts for the payment of any premium through any Credit Card only the Insured’s Mandate is Supreme and the Credit Card Service provider has an obligation only to the Insured and not to the Insurance Company as the Interest of the Insured is only at jeopardy in case of disputes and in no way the Insurance Company is put to any loss by non payment of premium. The Credit Card Service provider is to safeguard the Stake of the Insured only in such cases and not vice versa.
Now the rules governing the Credit Cards take care of the Insurance Companies only and do not accept the instructions of the Insured which is not fair as explained in the above paragraphs .
I request you, Sir to reconsider the present stand of the Credit Card Organisations and please reverse the situation to protect the interests of the Insured and not vice versa.
Thanking you, Sir,
I remain,
Yours truly,
E.V.S. Aranganathan.
Getting Connected
Dear Ones
I love meeting people
Getting connected helps one to learn and make life more rewarding
Linked In provides that opportunity
I make use of that
Wishing YOU All the Best in Life
With Best Wishes
Aranganathan EVS
I love meeting people
Getting connected helps one to learn and make life more rewarding
Linked In provides that opportunity
I make use of that
Wishing YOU All the Best in Life
With Best Wishes
Aranganathan EVS
About Everything
1.Enjoy doing things
Many people get tired after a day's hard work.
They feel tired and looks haggard wishing to relax & rest
I was a Branch Manager in State Bank of India and that too in a difficult branch - termed difficult because the staff are not willing workers and there were too many hurdles both internally and externally in running the branch smoothly.
But every evening people used to wonder when they looked at me.
After full day's demanding work I used to be fresh, beaming and very happy.
Because I enjoyed my work.
I saw satisfied customers leaving the branch happily and thanking me for the service.
I was happy with the turnover of the work that was completed that day successfully
Thus if you enjoy doing certain things even though it may be difficult and demanding after completing it you will remain happy, relaxed and filled with joy.
Enjoy doing your work and make it easier and enjoyable using your efficiency and imagination
Wish YOU a Happy Work Life
2.Accidents - Automobiles
Apart from mechanical failures accidents occur due to human behaviours.
When two fools meet on the road often accident occurs.
At times when one fellow is OK if the other fellow happens to be big fool then also at times accidents occur.
Accident is caused due to the following constraints also
a) Space Constraint
b) Time Constraint etc.,
Driving is anticipation
Anticipate things and concentrate on driving and keep your mind off to other things
Otherwise engage a good driver
One should anticipate that the other person may go wrong and take precautions while driving to avoid accidents
Always increase speed only up to the level which you can control i.e., everyone is capable of having control over the vehicle he/she drives only up to certain speed level. That one should find our oneself and restraint oneself without exceeding that level always.
Wish YOU a Happy Driving
3.Enjoy Travel
After a travel whether it is short or long many people become bored and tired and are happy to get down from the vehicle they are travelling in.
It is because they don't how to enjoy a travel
I thoroughly enjoy every travel and find enough time to think about everything on the earth.
Here are the tips:
A vehicle is a moving body and is not a chair, stable and fixed.
Here Newton's theory of motion has to be learn t and remembered.
This will help one to sit as if one is sitting on a horseback and adjust oneself to that requirement
This attitude will help you relax and will not result in back ache and strained spine and neck pain after a travel
More over while you travel learn to think - think of at least good & happy event in your life so that you will enjoy the travel and not get bored.
Watching the landscape, the natural beauty, the buildings the people inside & outside the vehicle with a curiosity will make you more knowledgeable and also relaxed making the journey happy, relaxed and enjoyable.
Wish YOU a Happy Journey Always
Many people get tired after a day's hard work.
They feel tired and looks haggard wishing to relax & rest
I was a Branch Manager in State Bank of India and that too in a difficult branch - termed difficult because the staff are not willing workers and there were too many hurdles both internally and externally in running the branch smoothly.
But every evening people used to wonder when they looked at me.
After full day's demanding work I used to be fresh, beaming and very happy.
Because I enjoyed my work.
I saw satisfied customers leaving the branch happily and thanking me for the service.
I was happy with the turnover of the work that was completed that day successfully
Thus if you enjoy doing certain things even though it may be difficult and demanding after completing it you will remain happy, relaxed and filled with joy.
Enjoy doing your work and make it easier and enjoyable using your efficiency and imagination
Wish YOU a Happy Work Life
2.Accidents - Automobiles
Apart from mechanical failures accidents occur due to human behaviours.
When two fools meet on the road often accident occurs.
At times when one fellow is OK if the other fellow happens to be big fool then also at times accidents occur.
Accident is caused due to the following constraints also
a) Space Constraint
b) Time Constraint etc.,
Driving is anticipation
Anticipate things and concentrate on driving and keep your mind off to other things
Otherwise engage a good driver
One should anticipate that the other person may go wrong and take precautions while driving to avoid accidents
Always increase speed only up to the level which you can control i.e., everyone is capable of having control over the vehicle he/she drives only up to certain speed level. That one should find our oneself and restraint oneself without exceeding that level always.
Wish YOU a Happy Driving
3.Enjoy Travel
After a travel whether it is short or long many people become bored and tired and are happy to get down from the vehicle they are travelling in.
It is because they don't how to enjoy a travel
I thoroughly enjoy every travel and find enough time to think about everything on the earth.
Here are the tips:
A vehicle is a moving body and is not a chair, stable and fixed.
Here Newton's theory of motion has to be learn t and remembered.
This will help one to sit as if one is sitting on a horseback and adjust oneself to that requirement
This attitude will help you relax and will not result in back ache and strained spine and neck pain after a travel
More over while you travel learn to think - think of at least good & happy event in your life so that you will enjoy the travel and not get bored.
Watching the landscape, the natural beauty, the buildings the people inside & outside the vehicle with a curiosity will make you more knowledgeable and also relaxed making the journey happy, relaxed and enjoyable.
Wish YOU a Happy Journey Always
My Hobby
My hobby is Thinking
Whenever I get spare time and mostly whenever I travel I used to think on some thing or other
And discussions on the various groups in Linked In kindle my thought process and I indulge in thinking
Thank YOU Linked In
Whenever I get spare time and mostly whenever I travel I used to think on some thing or other
And discussions on the various groups in Linked In kindle my thought process and I indulge in thinking
Thank YOU Linked In
Mini Profile
Name: E.V.S.Aranganathan
Email: saran_deck@yahoo.co.in
I work as : A Freelance Management Consultant
Services that I can offer: Teach Man Management techniques , Provide tips on how to make one self happy
Goal in life: Until death learn, learn and share knowledge with others
Help to other Members: Willing to network and share knowledge and answer any queries for which I may have an answer
I welcome everyone to get connected with me
With Best Wishes
Aranganathan EVS
Email: saran_deck@yahoo.co.in
I work as : A Freelance Management Consultant
Services that I can offer: Teach Man Management techniques , Provide tips on how to make one self happy
Goal in life: Until death learn, learn and share knowledge with others
Help to other Members: Willing to network and share knowledge and answer any queries for which I may have an answer
I welcome everyone to get connected with me
With Best Wishes
Aranganathan EVS
Crime Prevention
The mod us operand i of persons who wish to loot careless householders is given below
Sometime back two young persons carrying 2 or 3 costly carpets on a tricycle went around streets where only middle class people lived and under the guise of selling visited every house and flats checking the security measures available there so that they can plan their operations
Even when many told that they do not want any carpet they were forcibly requested to at least see the carpet and were told that they need not buy.
Thus they gain entry into various houses to inspect the contents and study the behavioral patterns of the inmates to improve their operational skills and to select their victims
A strict refusal to entertain such culprits and also warning the nearest police station about their loitering aimlessly in the area will deter them from conducting their study of possible locations for theft
Sometime back two young persons carrying 2 or 3 costly carpets on a tricycle went around streets where only middle class people lived and under the guise of selling visited every house and flats checking the security measures available there so that they can plan their operations
Even when many told that they do not want any carpet they were forcibly requested to at least see the carpet and were told that they need not buy.
Thus they gain entry into various houses to inspect the contents and study the behavioral patterns of the inmates to improve their operational skills and to select their victims
A strict refusal to entertain such culprits and also warning the nearest police station about their loitering aimlessly in the area will deter them from conducting their study of possible locations for theft
• Handling Complaints
Whenever a mistake happens
First acknowledge it
Hear with patience and empathy
Study remedies and make relevant compensation
Make efforts to avoid recurrence of the same in future
That is good marketing
First acknowledge it
Hear with patience and empathy
Study remedies and make relevant compensation
Make efforts to avoid recurrence of the same in future
That is good marketing
The use of Notes
Taking notes - the habit of writing down details
When one writes, it adds value to the information and helps as a record for implementation, follow up and for future authentic ready reference also.
When it is conveyed to some other person for implementation, follow up then also writing helps clarity of information and ensures that correct message is passed on
Even when one has a lot of work to do then reducing them in writing relieves that person mentally and ensures completion of the whole task
It is a form of relaxation as well to the busy mind
All the Best
When one writes, it adds value to the information and helps as a record for implementation, follow up and for future authentic ready reference also.
When it is conveyed to some other person for implementation, follow up then also writing helps clarity of information and ensures that correct message is passed on
Even when one has a lot of work to do then reducing them in writing relieves that person mentally and ensures completion of the whole task
It is a form of relaxation as well to the busy mind
All the Best
Spam
Learn about spam
Beware of spam mails which are at times sent in the names of your close and near ones
Some spams are generated using the e mail ids of your friends and relatives
Consult, discuss and discard invitations sent through spams
All the best
Beware of spam mails which are at times sent in the names of your close and near ones
Some spams are generated using the e mail ids of your friends and relatives
Consult, discuss and discard invitations sent through spams
All the best
Thursday, March 3, 2011
The Trickster - I am duped to day Thank God but with no Loss
All those who go against the laid down rules and laws are rebels
Only those with Knowledge, Strength, Efficiency and Guts can become rebels
Because their talents were not properly utilized by the society they use them against the society with ease
I visited my Bank Branch ATM today
There were two ATMs in the room
The one on the extreme right is usually preferred by me as it is fast and is a new one
Both became empty one by one
A well dressed decent looking medium aged man who was in the queue in front of me entered the ATM room first and went to the extreme right placed ATM
Then I entered the room
And eyed the machine - my favorite one at the extreme right before which he was standing
He immediately offered that machine and requested me to use that machine
I swiped my card and before proceeding further he in a voice that mesmerized me asked to used the other machine as this one has no print out paper
And under the influence of his speech without thinking I moved to the second machine and started transacting
And that person continued in that machine
Later I found that he has used my log in operation and was trying to operate my account by stealthily trying to find out my secret number
Luckily he could not decipher it as I have been quick with my fingers and after failing with three trials he left dissappointed
My card was blocked for 24 hours
Hence hereafter do not hear others' words when you operate ATM or move away from that machine without canceling your earlier operations
Once you swipe your card you can operate simultaneously from any number of ATM s
Even though I am a trained Banker and my instinct was warning me that something is wrong somewhere I could not prevent the incident
But I could after sometime find out the whole execution of the master plan by the trickster
He also blocked the ATM camera with a paper
Hence do not accept such benevolent offers from strangers and ask them to finish their transaction first and then only go in for your transactions
Constant alertness awareness and cautious vigil always is required nowadays when you are dealing with money daily
All the Best
Only those with Knowledge, Strength, Efficiency and Guts can become rebels
Because their talents were not properly utilized by the society they use them against the society with ease
I visited my Bank Branch ATM today
There were two ATMs in the room
The one on the extreme right is usually preferred by me as it is fast and is a new one
Both became empty one by one
A well dressed decent looking medium aged man who was in the queue in front of me entered the ATM room first and went to the extreme right placed ATM
Then I entered the room
And eyed the machine - my favorite one at the extreme right before which he was standing
He immediately offered that machine and requested me to use that machine
I swiped my card and before proceeding further he in a voice that mesmerized me asked to used the other machine as this one has no print out paper
And under the influence of his speech without thinking I moved to the second machine and started transacting
And that person continued in that machine
Later I found that he has used my log in operation and was trying to operate my account by stealthily trying to find out my secret number
Luckily he could not decipher it as I have been quick with my fingers and after failing with three trials he left dissappointed
My card was blocked for 24 hours
Hence hereafter do not hear others' words when you operate ATM or move away from that machine without canceling your earlier operations
Once you swipe your card you can operate simultaneously from any number of ATM s
Even though I am a trained Banker and my instinct was warning me that something is wrong somewhere I could not prevent the incident
But I could after sometime find out the whole execution of the master plan by the trickster
He also blocked the ATM camera with a paper
Hence do not accept such benevolent offers from strangers and ask them to finish their transaction first and then only go in for your transactions
Constant alertness awareness and cautious vigil always is required nowadays when you are dealing with money daily
All the Best
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