We live only once

We save lot many things in our life many things of elite brands and display it in living room without knowing for what purpose it was purchased. Can you recall one day that you have used the same in your life.

As one of my friends has rightly pointed out in a WhatsApp message whom are you expecting to come to your house so dear to you calling your name to whom you take out your priceless things to be shared.

Whenever the children ask that today is their birthday or grandparents have come, we will use those branded bed sheets or plates etc then we will say why we will take it when some guests come. But can you ever recall a day when somebody has come and we have taken those branded things for use.

We live for tomorrow without living for today. We slog ourselves forgetting to think about ourselves and to be happy also. Daily we read hundreds of quotations but none of them make any impact to us so that we live for the present. We forget our obligations towards our parents which is the happiness of today instead we save for our children (without spending for the parents) who will for sure will be more informative than ourselves and go behind their happiness they understood from their peers.

Facts last forever unlike truths which nobody likes. We all know that we do not live a life which we wanted to. There is no charm with no interactions among the dear and near ones leading oneself to depression. We never understand that our surroundings are changing for the better or for the worse, future prove it. Mechanical we are …that a slightest change in the routine upsets everything.

As somebody said life is , how you design it. If you have choices choose the best and if don’t do the best. So take a decision to live for today, live the day in happiness and decide that today is the day that you were saving for. Forget everything, your illness, stress, strain etc and decide that you will choose the best and do the best to live this day with full of happiness…

There is nothing bigger than our life and live happily for we must believe that we live only once. 

Bank unions reject IBA's 8% wage hike offer

Unions have also rejected the proposal to introduce variable pay, which would be linked to return on assets and operating profit and would be part of the overall wage hike.

The Indian Banks' Association has raised its wage hike offer to 8% from 6% but failed to make bank employees unions happy.The unions have rejected the offer and threatened to go on strike on December 26.

"It is far below our expectation. We have urged upon them to improve their offer," said Rajen Nagar, president at All Indian Bank Employees Association.

Banks saddled with high level of non performing assets and successive quarterly losses would be looking to restrict the rise salaries and remunerations while unions are demanding at least 15% hike like they get under 10th bipartite settlement.

The wage revision by way of 11th bipartite settlement is due from November 1, 2017. Wage revision in public sector banks take place every five years.

Nine unions, under the banner of the United Forum of Bank Unions (UFBU), also demanded wage negotiation for bank employees under scale 1 to 7 while IBA's wage hike offer pertains to employees under scale 1 to 3. The bank lobby group favours bank wise wage settlement for senior employees of scale 4 and above.

Unions have also rejected the proposal to introduce variable pay, which would be linked to return on assets and operating profit and would be part of the overall wage hike.

The unions said the all India bank strike would also highlight their opposition against bank mergers.

(coutesy; economic times)  

IDEAS CHANGE DRIVEN BY PASSION

Driven by passion many many students are making entry into activities different from their graduation and post graduation qualifications.

We know that children select their line of studies by selecting the subject in which they score high, join colleges due to satisfy the interest of parents, my close friends are going to a particular college for a particular subject so I will also join there attitude etc.

Only very few students got the choice in the earlier decades to choose their interest. But now it is different. Academic qualification is only a base,  since in most of the cases the students or persons who follow their drives are least bothered about finance in the initial stages. They are always having at their background the academic qualifications which will help them to earn for livelihood when needed.

Here I feel , backed by drive of passion and one's own interest students can achieve success in their chosen activities. Support by way of finance, opportunities etc to be given at home, society and Government will definitely help the growth of the country.  Many innovative ideas which can change the life has to emerge.

Why the change is not comming in the majority? Only very few think different and act different for a change. a mighty fear is upon them. We are all victims of inferiority complex. We are afraid of being ourselves. we have to be proud of ourselves and there should be freedom from complexes and fear. Thinking in this line only brings changes in us which leads to innovative ideas beyond our academic qualifications.

The world still need a lot both material and spirituyal which are legitimate. The world is still entitled for better life , food, shelter, infrastructure for better comforts, happiness etc. So only new thinking and ideas can only change the world which can bring developments and thus the development of the country.

Ideas change driven by ones passion which will lead to new ideas and so on emerges a nation of strength and power.

Ego... without which life will be monotonous.

Ego is a coherent organisation of mental life, derived from the more primal structure,the Id, by modifications imposed on it by the external world.

Id is not very distinctively differentiated from Ego. It has two parts ...one is conscious and the other unconscious.

Instincts play a big role in Id and therefore perceptions too.

Three masters who need services of Ego are the three dangers: the external world,the libido of the Id and the severity of Super- ego. The driving power is produced by Id and and the Ego steers to reach the desired goal.

In a normal person there is no distinction between Id and Ego ,no inherent opposition too . When Ego takes control over Id an Ego-Id conflict is often the result. There will be some crippling of Ego. The warfare of Id and Ego is incessant,without it life will be monotonous. The components of behaviour will be more biologically expressed by evolution and integration.

Professor Jastrow has given us a logical and careful study in this regard. Id and Ego forms part of Freudian doctrines and one can conclude that without the warfare life will be boring and monotonous. 

Budding New TV Channels

TV channels must be able to reach the people by by going to them and must bring the truth to the public. Don't sensationalist and come out with mega serials which always create a negative energy in the minds of viewers and in the area too. 

TV channels must be the place for concrete and constructive discussions on political, social  economical educational areas which can improve the thought process and thereby can lead changes. 

Now a days it is painful to see certain discussions. The so called anchors leading the debate the way they want to and thereby satisfying the objectives of the management. Then in some channels it is like 🐠🐋🐟 vending in markets. Too many vendors calling upon very few buyers and thus confusing them. 

TV Channels must think about their approach to the society and must work for building a great country for which everything must start from the root level instead of flaring up and sensationalising trifle issues many a times. 

Let the channels utilise themselves by not allowing to propagate hate speech,  flare up issues etc and thus bring harmony in the society. It should be like that always. 

We can salute before the channels too for bringing out truth in certain issues to the public which had benefited them. 

Remembering 100 days after Floods in Kerala.

Kerala had suffered due to the greatest ever floods it has ever faced.It suffered loses which cannot be equalled in its history. Many people lost their lives,many their houses and dwelling places and through that their hard earned savings and many more including their confidence.

The Government machinery along with NGOs and volunteers from all sectors of life (the services of fishermen,army,navy,airforce and our police force to be seperately mentioned and remembered) helped to reduce the impact of the loss.

The initiatives by IAS Officers K Vasuki and T V Anupama made a big impact and must be remembered today.Many I AS Officers were also involved and went above duty during the floods.

Everyone ensured a safe,healthy epedimic free environment in their respective districts.

I take this opportunity to remember them through this.

Rebuilding Kerala which had fallen behind atleast by Ten years in certain sectors of development has to be brought back.But the unfortunate things happening in the State now must end.During floods Kerala saw the face of unity which was unseen even in our State before. Now also the same unity should continue.All sectors of the population must stand together for this God's Own Country which have in her the unique harmony, equality etc etc

Long live the unity and brotherhood in Kerala and thus rebuild a vibrant State.

Views on Share Market by Spandanangal

If we analyze the market we can understand that due to many domestic and international factors it is sluggish. The trade wars,, fall in value of rupee, oil prices, elections, sell off by institutions etc are some illustrative reasons only.  I feel that this sluggishness is for a big leap.
Many of the factors that are affecting the market negatively can or bound to improve later through negotiations etc
Small investors if they see the history one can understand that after every sluggish trend there was improvement and big leap in the market.
Only advice is that study the past before taking decision to invest in a particular shares. Market will definitely bounce back. One cannot prediction how much time it takes for recovery.
So be patient don't withdraw but invest hold it returns will come. Happy investing. 

Slow food,no rush...post from WhatsApp

This is worth a read for everyone who feels their lives are one big RUSH.
Stop and smell the roses....

"It's been 18 years since he joined  Volvo, a Swedish company. Working for them has proven to be an interesting experience. Any project here takes 2 years to be finalized, even if the idea is simple and brilliant. It's a rule."

Globalized processes have caused in us (all over the world) a general sense of searching for immediate  results. Therefore, we have come to possess a need to see immediate results. This contrasts greatly with the slow movements of the Swedish. They, on the other hand, debate, debate, debate, hold x quantity of meetings and work with a slowdown scheme. At the end, this always yields better results.

1. Sweden has 2 million inhabitants..
2. Stockholm has 500,000 people.
3. Volvo, Escania, Ericsson, Electrolux, are some of its renowned companies. Volvo even supplies NASA.

The first time hehe w in Sweden , one of his colleagues picked him up at the hotel every morning. It was September,bit cold and snowy. They would arrive early at the company and  would park far away from the entrance (2000 employees drive their car to work). The first day, he didn't say anything, neither the second or third days. One morning he asked him, "Do you have a fixed parking space? I've noticed we park far from the entrance even when there are no other cars in the lot." To which he replied, "Since we're here early we'll have time to walk, don't you think that whoever gets in late will need a place closer to the door?" Imagine his face.

Nowadays, there's a movement in Europe named Slow Food. This movement establishes that people should eat and drink slowly, with enough time to taste their food, spend time with the family, friends, without rushing. Slow Food is against its counterpart, Fast Food and what it stands for as a lifestyle. Slow Food is the basis for a bigger movement called Slow Europe, as mentioned by Business Week.

Basically, the movement questions the sense of "hurry" and "craziness" generated by globalization, fuelled by the desire of "having in quantity" (life status) versus "having with quality", "life quality" or the "quality of being".

French people, even though they work 35 hours per week, are more productive than Americans or British. Germans have established 28.8 hour workweeks and have seen their productivity driven up by 20%. This slow attitude has come to the notice of USA , the pupils of the fast and "do it now" brigade.

This no-rush attitude doesn't represent doing less or having a lower productivity. It means working and doing things with greater quality, productivity, perfection, with attention to detail and less stress.

It means re-establishing family values, friends, free and leisure time. Taking the "now", present and concrete, versus the "global", undefined and anonymous. It means taking humans' essential values, the simplicity of living. It stands for a less coercive work environment, more happy, lighter and more productive work place where humans enjoy doing what they know best how to do.

It's time to stop and think on how companies need to develop serious quality with no-rush that will increase productivity and the quality of products and services, without losing the essence.

In the movie, 'Scent of a Woman', there's a scene where Al Pacino asks a girl to dance and she replies, "I can't, my boyfriend will be here any minute now". To which Al Pacino responds, "A life is lived in an instant". Then they dance the tango!

Many of us live our lives running behind time, but we only reach it when we die of a heart attack or in a car accident rushing to be on time. Others are so anxious to live for the future that they forget to live the present, which is the only time that truly exists.

We all have equal time throughout the world. No one has more or less. The difference lies in how each one of us does with our time. We need to live each moment. As John Lennon said, "Life is what happens to you while you're busy making other plans".
🎀Worth reading.. In this age of quick fixes
 sharing to understand that the world is everyone's. Received in social media
Think big aim gihi otherwise it's a crime.

Performance of Public Sector Banks

*Financial Performance of Public Sector Banks for July - September 2018 (Q2 2018 - 19)*

*NET PROFIT*

1) State Bank of India - Rs. 944.87 Crores
2) Bank of Baroda - Rs. 425.38 Crores
3) Canara Bank - Rs. 299.54 Crores
4) Indian Bank - Rs. 150.14 Crores
5) Vijaya Bank - Rs. 139.94 Crores
6) Union Bank of India - Rs. 139.03 Crores
7) Corporation Bank - Rs. 103.01 Crores
8) Oriental Bank of Commerce - Rs. 101.74
9) Bank of Maharashtra - Rs. 27 Crores

*NET LOSS*

1) Punjab & Sind Bank - Loss of Rs. 109.23 Crores
2) Dena Bank - Loss of Rs. 416.70 Crores
3) Andhra Bank - Loss of 434.10 Crores
4) Indian Overseas Bank - Loss of Rs. 487.26 Crores
5) United Bank of India - Loss of Rs. 883.17 Crores
6) Central Bank of India - Loss of Rs. 923.60 Crores
7) UCO Bank - Loss of Rs. 1136.44 Crores
8) Bank of India - Loss of Rs. 1156.25 Crores
9) Syndicate Bank - Loss of Rs. 1542.54 Crores
10) Allahabad Bank - Loss of Rs. 1822.71 Crores
11) IDBI Bank - Loss of Rs. 3602.49 Crores
12) Punjab National Bank - Loss of Rs. 4532.35 Crores

Kerala floods--Water level recedes in Idukki. heavy rains in Wayanad is reported

Idukki: Water level in Idukki dam is receding from Sunday morning. According to Kerala State Disaster Management Authority, water level in Idukki dam is 2399.38 ft on Sunday morning.  Shutters of Cheruthoni dam was opened on Friday afternoon following the heavy rain in the catchment area. Full reservoir limit of the dam is 2403 feet.Five shutters of Cheruthoni dam was opened in order to control the water level here. These shutters have not been closed yet.Union Home Minister Rajnath Singh will arrive in Kochi on Sunday around 12.30 in the afternoon. He will undertake an aerial survey of flood-hit areas n Idukki and Cheruthoni.In the evening he will hold discussions with the Chief Minister and people’s representatives. Meanwhile, water level in Periyar river is also dropping.It is reported that the water level has fallen below 10 feet than the previous day. Though the water level receded, people are still in relief camps....Houses in Aluva, Paravur and Eloor were submerged after the heavy rain on Saturday. However, water level in Idamalyar dam is rising. Hence, one more shutter of the dam was opened. Maximum capacity of the river is 169 metres..Meanwhile, heavy rain is reported in Wayanad. As shutters of Banasura dam were opened without notice, many areas reeled under flood. Minister TP Ramakrishnan will visit relief camps on Sunday.......

courtesy mthrubhumi online.Read more at: https://english.mathrubhumi.com
https://english.mathrubhumi.com/news/kerala/flood-havoc-let-s-lend-a-helping-hand--1.3052219

Forget cash or card, soon your thumb would be enough to pay at petrol pumps

Soon, you won't have to carry any cash, card or mobile phone to pay for fuel at petrol pumps. Your thumb would be enough for payment at the petrol pump. According to a Dainik Jagran report, Indian Oil Corporation (IOCLNSE -0.09 %) has tied up with Oxigen Micro Agency and IDFC bank to roll out the facility at its fuel stations. 

Under Digital India programme, IOCL has already installed two Micro ATM machines in Bhopal and plans to expand the facility to other places across the country in the next couple of months. 

How the payment is done: 

Oxigen Micro ATM machine is a point of sale machine that allows the owner to accept the payments from several modes other than cash. The machine allows payment made through credit card, debit card, UPI, BHIM Aadhaar pay Bharat QR code and UPI. 

Besides, IOCL is also planning to import self-service petrol pump machine ins India. Soon, Bhopal will have the self-service fuel pump which the motorist can use to fill the vehicle tank after making payment through card. 

courtsey

economictimes.indiatimes.com