Inscriptions 25

A MAGAZINE FROM THE GOPAST CENTRE FOR LEARNING

 Inscriptions 25 25 TRUTH STA STAYS YS FOREVER

PANNEL 2 WALL 7

TOPIC

CATEGORY  

 AUTHOR MR/MS

PAGE NO:

1

EMOTIONS MOTIVATION MOTIVATION

SCULPTOR INSCRIBES

R.GOPINATH

4

2

ESSENTIALS MUST BE INSULATED FROM RISK 

GURUS SPEAK

R.GOPINATH

17

3

NEED FOR ADEQUATE LIFE INSURANCE

CATERPILLAR SPACE

CHINTAN BHATT

22

4

FUTURE EVENTS

CATERPILLAR SPACE

 V RAMALINGAM

26

5

CYCLIST MS PRIYA DHABALIA 

PROUD OF BEING  ASSOCIATED  ASSOCIATED

31

 A MODEL TEACHER TEACHER MRS  VIJAY  VIJAYALAKSHMI

PROUD OF BEING  ASSOCIATED  ASSOCIATED

33

MR KABILAN THE YOGA EXPERT

PROUD OF BEING  ASSOCIATED  ASSOCIATED

35

GALLERY AND NEWS

38

SCULPTOR INSCRIBES 

R.GOPINATH

R.GOPINATH [email protected] www.go-past.com

Who is the master of your destiny?

When I raise this t his question in seminars, I get an overwhelmingly overwhelmingly loud answer: We, Ourselves. So let’s try answering this question once again, but in the correct order. Q. Who is the master of your destiny?  A. Your Your Actions Q. Who is the master of your actions?  A. Your Your emotions. Q. Who is the master of your emotions?  A. You. You. In that sense, you are the master of your destiny. destiny.

If you can understand this sequence well, then you will be able to create a future that you would like, or else you will live the life that was handed to you. Have you ever postponed a job, which you decided to do right then? I always get a loud response from the audience, “Many times”; some even say, say, “Most of the times”; I even hear voices that say “Every time” When you know that you need to do a job, why would you postpone it?

If your emotions are against you in doing that job, you will postpone it. For example:  A sales man has to make calls calls in order to get appointments, appointments, to meet his prospects. prospects. If he is afraid of calling people or its consequences, he would postpone calling the prospects and instead engage himself in other tasks to prove to others/himself that he is busy so he doesn’t waste time In a department, one employee is causing a rift in the team. He utters hurtful words and insults his colleagues often.The manager of the department makes a note to speak to him in the o "ce about improving his behaviour one day. But after reaching the o "ce, he got busy with some calls, a few letters and some meetings. By late evening, when it was time to leave, he thinks that he will have the “talk” with the employee “tomorrow”  A father thinks that he would would talk to his son today to advise advise him about improving improving his behaviour behaviour.. The boy comes home late at night and wakes up in the afternoon most days. He needs to get serious about his studies and his career ahead; but he doesn’t talk to him that day, day, and this has been the case for many days. Why are they not doing what they need to do? Don’t they KNOW it is important to do it? More than knowledge, their emotions are playing a key role here. Have you ever done something which others are hesitant to do?

Yes. When your emotions support your actions, you will do it instantly. instantly. Emotions, it’s an endless list. But there are some primary emotions which play a significant role in our lives. 1. Happiness

2. Sadness

3. Fear

4. Courage

5. Surprise

6. Disgust

Where do these emotions come from?  Are they present present in the atmosphere atmosphere and suddenly engulf engulf us? Or are they present inside us and suddenly spring out? We will find answers to these questions shortly. shortly. But before that let us find out some uses of these t hese emotions. We cannot imagine imagine a life without emotions. It’ll be dull and frustrating. “Oh my God even that is an emotion!” Emotions can move mountains; in fact most of our potentials are leveraged or contained because of our emotions.

Let me give you an example. A girl 12 with her brother 7 were collecting twigs in the woods, suddenly, she saw a leopard spring at her brother; she screamed and she hit the animal with a stick she had in her hand. The movement was so sudden and and visibly violent that the animal ran away into the bushes. By then people had come around and they brought the children back to the village. The girl doesn’t even remember how she reacted. It was her brother that told the villagers what happened. In a corporate world, a young CEO had earned the name of a good negotiator. negotiator. During a crucial deal discussion with a foreign vendor, he lost his cool. The vendor had mentioned something about the quality of the product and the young CEO felt it was a snide comment. He yelled at the foreign vendor and the deal did not materialise. The CEO used words that were much below his standards and his own team members were shocked; few were even scared. Both the above incidents prove the statement, “Emotions can move mountains; in fact, most of our potentials are leveraged or contained based on our emotions.” What is the starting point of these emotions? One of the major functions of the human mind is “prediction”. “prediction”. It looks for the “next scene”. This process is extremely fast. Look at this picture and write a few lines about what you see here.

Recently I was interacting with a group of medical medical professionals. professionals. The group doctors, nurses, counsellors, para medics and a few assistants. II presented them with the above picture and asked them to pen down a few lines. Take a look at some of the lines written by the participants: $ The apple looks fleshy and juicy. $ The apple will be cut using the knife kept by its side $ The pieces will be kept in the dish and served. $ I wish I had this apple with me apple $ It looks to be a very sweet apple $ should be careful with the knife, seems to be very sharp $ Somebody, please bring tissues. $ One participant drew this picture in her paper The mind races, creating scene after scene. Prediction is a source of emotions.

Look at the picture below:

The boy takes one look at the Dog and his mind starts predicting. Based on his predictions, predictions, he generates di%erent emotions from within. The dog might bark »»»» Fear Barking might be terrifying »»»» Fear The dog is going to pounce on me »»»»» Fear The dog has a leash which is being held by its owner, owner, it might be a good pet»»»»»»» Happy Let us get back to t o the incident “B” The moment the manager decides to call that employee for discussions he starts “Predicting”. If his predictions imply imply that the discussion is going to be di"cult, it leads to an emotional state of disgust. If his predictions imply that the employee might shout or create a scene, which he may not be able to handle it, it leads to an emotional state of Fear. There is another function of the mind, it is called “Projection”. This is something akin to filling in the blanks. And the mind does it at supersonic speed. Let me share another exercise I get people to participate in: I show them this picture and ask them what they think? Most of them reply it is an elephant.

Only 1% of the picture was visible and yet, t he mind filled the remaining picture. picture.

This how our mind fills in the blanks, based on t he information stored within. A person would have started saying something, the listener would have constructed the whole conversation in his/her mind, even before the speaker finishes uttering it. Projections also act as an emotional trigger, trigger, since projection is done at supersonic speed, the trigger is almost instant.

There is another function of the mind that needs to be mentioned here, in order to understand the e%ect and significance of emotions in our lives. This is the aspect called “Magnification”. Look at this picture:

Our mind does this quite often. The issue being faced could be small, but the mind magnifies it into a big issue. Look at how the escalation takes place: My manager has given me this list of prospects for our product. I have to call these people and see if they’d be interested in meeting me in person to explain the features and benefits of our product. Will they be nice to me? Will they are harsh? Will they are rude? Will I be insulted in the presence of others? What if I get thrown out of their house? Oh my God! What did I get myself into? On top of the insult, rejections and ridicule; I may not get paid this month!  All those mortgages that I need to pay on a monthly basis basis will start compounding compounding their rate of interest, due to default. The little I do have will be taken away from me. I may end up in a worse position than where I began. Prediction, Projection and Magnification are natural functions of our human mind. Information reaches our brains through our 5 senses. There are specialised areas in the brain specifically to process this information (for example; Visual cortex, to process the information received through our eyes). 5 senses send information to their special areas and simultaneously to another area in the brain which quickly activates the security system and damage control system to save the human being, even before the visual cortex and others areas react to the same information to send the correct instruction for the body to follow The security system needs more energy to face big situations when compared to other systems. So, activate the emotion to rope in that extra physical energy, energy, extra intelligence, extra talent, extra muscular flexibility, extra vocabulary.

Such extra energy is required: 1) 2) 3) 4)

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Information reaches our brains through our 5 senses. There are specialised areas in the brain specifically to process this information (for example; Visual cortex, to process the information received through our eyes). 5 senses send information to their special areas and simultaneously to another area in the brain which quickly activates the security system and damage control system to save the human being, even before the visual cortex and others areas react to the same information to send the correct instruction for the body to follow. follow. From the point of information hitting our senses, our mind starts predicting/projecting/magnifying. predicting/projecting/magnifying. You can see in this picture, “Amygdala”. The amygdala (Latin, corpus amygdaloideum) is an almond-shape set of neurons located deep in the brain's medial temporal lobe.

In complex vertebrates, including humans, the amygdalae perform primary roles in the formation and storage of memories associated with emotional events. Research indicates that, during fear conditioning, conditioning, sensory stimuli reach the basolateral complexes of t he amygdalae, particularly the lateral nuclei, where they form associations with memories of the stimuli. The association between stimuli and the aversive events they predict may be mediated by long-term potentiation, potentiation,[23][24] [23][24] a  a sustained enhancement of signaling between a %ected neurons. There have been studies that show th at damage to the amygdala can interfere with memory that is strengthened by emotion. One study examined a patient with bilateral degeneration of the amygdala. He was told a violent story accompanied by matching pictures and was observed based on how much he could recall from the story. The patient had less recollection of the story than patients with functional amygdala, showing that the amygdala has a strong connection with emotional learning.

Paying attention to our emotions and how they have a!ected our actions and using this information to make smarter decisions in our lives, can provide us with a road map to fulfilment and happiness.

MOTIVATION:

To achieve big dreams we need big motivation. Motivation is required: required: 1) To ini initi tiat ate e any any e%orts 2) To int inten ensi sify fy that that e%orts 3) To per persi sist st in that that e%orts Motivation stems from our emotional connections. For example; we would be motivated to do what gives us happiness whilst doing it (or likely to give us happiness on finishing). We We may not have the motivation to do something which pains us, or puts us to shame, or makes us feel bored.  Achieving a big goal demands demands a series of small small jobs and tasks, to be executed executed perfectly. perfectly. Even if one of these actions are not fulfilled in time, with the required intensity, intensity, or seen through to the end; the big goal will be delayed or even denied. All the small tasks and jobs must fall in place like the hundreds of instruments that play in sync to create a symphony. Look at the way our emotions disturb this orchestra. Some tasks we like and some we don’t. We like things that give us pleasure. For example; social media involvement vs revising the subjects taught in the school that day, day, watching TV vs preparing an assignment due next week, cozy warm bed vs morning walk, tasty food vs healthy food, etc. The higher the position one holds in a hierarchy, hierarchy, more the responsibilities responsibilities there will be. Those responsibilities responsibilities will demand the whole of yourself. Are you prepared to give it all? It is not limited to just one’s career, but to the families and the society as well. If that symphony has to play well, then the emotional connect with the big goal should be so big and deep, that the smaller likes and dislikes get submerged in the big flood of emotions, attached to the big goal. All diversions from the main track get blocked and we stay on the track at all times. Many times, we tell to ourselves “su%er now, so that you can enjoy later” “work hard now, so you can relax later”; this doesn’t go well with our emotions, our systems would try to avoid the su%ering. Because emotions are relative in nature, we can reorient these emotions. For example; more pain, less pain; more joy, less joy. Let’s Let’s go back to the incident above, about calling the clients for a sales meeting. While the pain of rejections is lurking in the mind, we will instead, focus on how the sales would benefit the family that we love so dearly. dearly. So making those calls becomes about ensuring the happiness and well being of one’s family. It becomes about the visible glee in a kid’s face when he/she opens a gift you purchased with the sales commission. In the context of the kid’s kid’s happiness, the pain appears to be small. He can also decide on a reward for himself for doing the action of calling the prospects, irrespective of whether the sales happens or not (result). In absence of this, the fear of rejection is very painful on its own. If the emotional connect with the goal is very deep, then the motivation to start immediately is high, the intensity in actions are also high because of the motivation. Even if there are obstacles along the way or things do not go according to plan, the motivation to preserver is high.

Taking a clue from Maslow’s need hierarchy theory, we can understand that higher order needs, like ‘the need of belongingness, the need to feel acknowledged, the need to feel honoured, the need to repay in measure for the good things blessed with, the need to stand for a cause’ trigger emotions like courage, happiness, and pride.  A sportsperson who connects connects his/her victory to the nation’ nation’s s pride will perceive perceive his/her strict, tough physical regime with pride. He/she does not get tempted by the luxury of waking up late in the morning, that his/her friends may enjoy. He/She may even pity them. He/She does not feel self pity in missing those first-day-first-shows first-day-first-shows that his/her friends get to experience.  An army man/woman man/woman takes his/her daily daily drill on the parade parade ground very seriously seriously,, for he/she is able to connect fitness and agility that will help him/her save oneself during an attack and also that he/she can thwart the enemies from causing pain to his motherland. In my profession as a trainer, trainer, motivator and management consultant, I have to travel a lot. Sometimes my preparations for the sessions following will go well beyond midnight. I get up at 4 am everyday, everyday, so that I can complete my hygiene routine and then my prayers in time, before 6 am. Being a self owned institution (Partnering with my wife), I am aware of having the option to reschedule the appointments, appointments, to make it possible for me to watch a movie of my favourite hero, or for a get-together with friends and relatives; but I’m never t empted to do it. For before me, I have the picture of my team. This is a team that has joined me, hoping that our association will bring about changes in their lives. They have dedicated almost a decade and more of their valuable lives to our institution. So in making them happier, happier, I derive my happiness. Our team has to become prosperous prosperous in their personal lives, whatever I can do to make that happen gives me immense happiness.

I also have before me, the pictures of my trainees, who have reposed their trust in me despite having other options in the market to choose from. Some of them have invested in my training courses, even going to the extent of borrowing money on interest, to fund their tuition fees.

I also have before me a picture of my wife and daughters. They are my life.

I often look at my big family picture.

I also have a picture of my great country India. This country gave me its precious soil, its rich culture, security, security, opportunities, respect and freedom. Seeing the picture often makes me patriotic. Paying taxes is not a pain for me and my team. In fact, we are happy that we are able to share a (very small) part of our income to the maintenance and the development of the societies of our motherland. So whatever I do to prepare for a session, or to present my concepts before an audience, or advice the institutions on whose’s whose’s board I sit as a director, director, or in writing articles both technical and psychological; I do it happily. happily. I am not su%ering to enjoy later. In fact, I enjoy to enjoy later. Working hard is not a punishment meted to me by the society, but it is a selection made by my society based on my competence, to present me with this honour of contributing. I’m not sacrificing my joy for the sake of my family; I’m gaining the happiness of being a part of my beloved one’s one’s lives and contribute. Every opportunity to improve upon my contribution will be a blessing showered upon me by God Almighty. In fact, great leaders like Mahatma Gandhi, Dr A P J Abdul Kalam, Perunthalaivar Kamarajar, Mahakavi Bharatiyar were happy doing what they were doing, because they could link their actions to the bigger causes for which they lived. General public might feel that these people missed out on all those entertaining aspects the world had to o!er. This is incorrect, for they were ecstatic in working towards their causes; while the others in the world were temporarily happy or mostly unhappy.

Paying attention to our emotions and how they have a%ected our actions and using this information to make smarter decisions in our lives, can provide us with a road map to fulfilment and happiness. You You can now start observing your emotional states; in doing something, or in not doing something and memorise it. You can now change these states by focusing your higher order needs of humans, and prepare props that can remind you of such needs. You can then link your ‘doings’ and ‘not doings’ to the big goals. Now, You You can happily delink your doings that take you o% your track often.  As we now know that our our mind predicts, predicts, projects and magnifies magnifies information information and how this process process triggers emotions. We can now use our power of creative imagination to predict, project and magnify in order to trigger the sort of emotion we want; emotions that will help us break our inertia and initiate great e%orts; emotions that will help us intensify our actions; and emotions that will help us persevere all the way through. Who is the master of your destiny? Your actions. Who is the master of your actions? Your emotions. Who is the master of your emotions? You.  Are you sure that that you are the master of your your emotions? Or have we allowed the information that flows into us, play with our minds? Which would make us too occupied with the small little pleasures & pains and rob us of the real happiness and fulfilment in our lives.

GURUS GURU S SPEAK  SPEAK 

R.GOPINATH

ESSENTIALS MUST BE INSULATED FROM RISK R.Gopinath [email protected]

Stephen Covey a renowned author says, “People are busy climbing ladders. Wait for a minute and see if the ladder is leaning on the right wall.” For example in a corporate world, there is a competition on who gets promoted or elevated. Colleagues work at breakneck speed to impress upon their bosses, clients and investors about how sincere and competent they are. And when they finally climb the ladder and reach to the top, they feel that this is not what they really wanted to end up with. Broken families, Bruised relationships, relationships, Big cars, Big houses, Big work cabins, Big teams but feeling lonely up there.  Almost a similar scene scene exists in the investment investment world also. People want want to become richer, richer, and make it happen fast. When they hear about somebody else making big money from an investment opportunity, opportunity, they would like to copy paste the same into their life. They read news and start following trends, throwing away philosophies to the wind. There is almost a compulsion felt nowadays to take such decisions. The reason is that people earn well from their professions, but to image match with their richer counterparts in the society they spend like them. Savings ratios come down, leaving the only option of earning more through investment returns. We We must also understand in this situation, if we have to earn more returns on our investments, much more than the treasury rates, then we will have to understand minimum minimum 3 possible scenarios can emerge: 1) We may beat beat the treasur treasury y returns returns and end end up with with more more money money 2) We may may end end up with a dimini diminished shed capital capital 3) We might have have saved the the capital capital but earned earned less returns returns than than the treasur treasury y yield. yield. Let us not now debate on the probability rates between the above 3 possibilities. Let us for now learn that we should understand all the 3 scenarios are possible. But one question that arise again and again is: How are 2nd and 3rd scenarios possible, when historically that class of asset has given more returns than the treasury rates? This happens because of the behaviour of two parties involved in this transaction. The first party is the investor and the second party is the market (Asset class). Investors behaviour is influenced by aspects like 1) Media Media news/ news/ analys analysis/ is/pr predi edicti ctions ons 2) Investors Investors limited limited knowle knowledge dge of the scientific scientific aspects aspects like like ratios, ratios, risk managem management, ent, 3) Changes Changes in the the personal/ personal/fami family ly life, life, planned/ planned/unpl unplanne anned d 4) Emotio Emotions ns that that obscu obscure re rati rationa onalit lity y Nobody can buy a stock unless someone is selling it. This includes not just the individuals but also fund managers as well. When someone is selling his stocks at a price, there is another person who buys it. Both of them have almost the same knowledge or information about the stock. One feels that this price is the best to sell and the other feels it the best to buy. Both of them feel that the current price will change, one feels it will go down and the other feels it will go up. Then tell me who is correct and who is wrong? Many individual investors lose consistently by trading, an achievement that a dart-throwing chimp could not  match. The first demonstration demonstration of this this startling conclusion conclusion was put forward forward by Terry Terry Odean, a former student student of mine who is now a finance professor at the University of California, Berkeley. Berkeley. Mutual funds are run by highly experienced and hard-working hard-working professionals who buy and sell stocks to  achieve the best possible possible results for for their clients. Nevertheless, Nevertheless, the evidence evidence from more than than 50 years of  research is conclusive: for a large majority of of fund managers, managers, the selection of of stocks is more more like rolling dice than like playing poker. poker. At least two out of every three mutual funds underperform the overall market in any  given year. year. (Exctrated from “The hazards of confidence by Daniel Kahneman”)

Let us go back to Mr Covey’s Covey’s question. On which wall your ladder is leaning?

When we ask our investors what do they expect on their investments? The normal reply is, “Good returns” Meaning ROI Why would you need “Good returns”? The normal reply is, “So that I can have more money” Now I give them the choice between the above two “Good returns” and “Having more money” which is more important to you. After much pondering the answer is “Having more money” But the answer doesn’t come so easily because people feel good returns alone can give more money and the worst is that people also believe that more returns will result in more money always. Now comes the next question, “Why do you want more money at the end of the period?” The normal reply is so that i can use that money and be happy, happy, feel secure, have independence. Now the choice between 1) More returns, 2) More money and 3) Be happy, happy, feel secure or enjoy independence. People mostly select the 3rd one that is be happy, happy, feel secure and have independence. Let us now consider where a 30 year old person Mr Citizen planning to invest money with a purpose of funding his Son’s overseas education which is likely to commence 20 years from now. He calls an investment advisor and asks for high yielding investments, which are safe. The advisor says investing in equities is a good choice. Even though it is risky, it is still safe. Because in the long term equities never fail an investor. investor. It may go up and down and in the end it is always up. Mr Citizen agrees and starts investing in equities. Let us say the fund he was advised mirrors Sensex. To To understand the impact of the statement of the advisor that it may go up and down we will have to fall back on scientific measurements. In statistics we have in our school days studies Standard Deviation.

Look at the following table:

This shows that Sensex in the last 21 years has moved up and down with a standard deviation of 34.50%. In simple terms the movement deviated away from a non-risk path to the extent of 34.5%. Now let us look at what Mr Citizen achieved in this bargain.

He has scored on the “More returns” aspect (10.96% compared to 6.22%) based on the case studied in the last issue. Please see the insert. But is he left with more money? No. Let us now answer the question of would he have been happy traveling this volatile curve? that too given the background that the objective of this investment was to fund a not negotiable goal of son’s overseas education. Since Std Deviation only is an average, researchers researchers have developed one more tool to understand the scenario more that is called MAR. In the whole period of volatility what was the maximum draw down. 52.45% in 2008. If the yield is adjusted by this figure it gives the MAR. If in India Mr Citizen could have earned a Risk Free Return of 7% the extra that he had achieved in the above example is 3.96% divided by the Std Dev is equal to 0.11%. That means for every unit of risk he took, he gained a meagre 0.11% return. The comparative volatility of an investment is measured by ß. Sensex represents ß=1. So if ß=1 has a std deviation of 34.50% then please estimate what would be the Std Deviation of a MF that shows ß=1.4. It should exhibit a Std Deviation of 48.3%. How can you ever presume that a person who is funding a very important goal will stay calm when he sees is investment deviate from the mean to the extent of 48.3% Therefore we must understand that the funding for our essential goals should be devoid of risk. We will be continuing our discussion on this t opic of how emotions obscure rationality in the coming issues.

CATERPILLAR SPACE 

MR CHINTAN BHATT

WHY HNI, ULTRA HNI PEOPLE IGNORE THE LIFE INSURANCE? I NSURANCE? WHAT IS ADEQUATE LIFE INSURANCE? WHY NEEDED?

In India, normally it is seen that HNI, ULTRA HNI people ignore the life Insurance they feel that insurance is not giving handsome returns or does not create wealth. They invest their money in Real estates, Gold, Equity markets based on assumption that these investments will give handsome returns but it does not happen so all the time. In these assets, to create wealth, “Time is important”! It means that only time will say in individual case to case whether, it was a right decision for investments in these assets or not. If person will live healthy till his / her death with continuous earning, then investment in above assets are to be proven true. But, “Life is full of risks. For, property, there are fire risks. For Gold, there are theft risks. For Shipment of goods, there are perils of sea. For human Life, there is the risk of death or disability and so on and so forth”. Do not forget that “Life that “Life Insurance is an investment as certain sum is returnable to the insured / legal heir at the expiry of a period or at the time of death”. It is observed that, many HNI, ULTRA HNI people, who have a luxurious car of Rs. 50 Lakhs. For car insurance, they pay the premium every year regularly without fail where, the value of car (50 Lakhs) is decreasing year by year. But they do not pay the premium for their self / their life insurance where, they are earning Rs. 50 Lakhs per annum regularly and their income increases gradually till retirement.  As far as possible, keep insurance and other investments separate. Don’t compare each other because, it is not proper comparison. Insurance is not comparable with any other investments. For the reason that, “Life Insurance is Income Protection as well as Income Replacement product”.

In addition to that,

“Life Insurance is a husband’s privilege, wife’s right and child’s claim”.

NEED OF ADEQUATE LIFE INSURANCE

It is proven that, once you are married, you should ensure that you have adequate Life Insurance. An individual, is inherent to differ. Each individual insurance needs and requirements are different from that of the others.

What would happen to your family’s financial health, if you and your income were gone? Could they maintain their standard of living?

Having adequate life insurance coverage should be an essential part of your overall financial plan – at every age or every stage of life. And the sooner you buy the better. With a life insurance policy, you protect all your assets in absence of yourself or in your disability time. You protect a home, business, outstanding loans, any other property / assets. This prevents to sell the above assets by your family and it is not so easy for them. When your family members or dependents depend on you financially, you need to secure their future. Having your life insured is asking to promise your family that they won’t ever tackle a financial problem, whether you are there or not. Your responsibilities will not end with you. It means “Buying Life Insurance is like buying peace of mind for whole family for life time”.

Adequate Life Insurance means how much?

One thumb rule is to multiply your yearly income by 19. It considers into account of many factors such as Inflation, rising income, rising expenses, outstanding loans, rising liabilities, Children Education as well as marriage funds, etc. THANKING YOU FOR READING REGARDS CHINTAN BHA B HATT TT SBA – DEVELOPMENT OFFICER LIC OF INDIA VADODARA DIVISIO D IVISION N GUJARAT G UJARAT.. MOBILE NO . 9909017587 EMAIL: chintanbhatt871@gm [email protected] ail.com

CATERPILLAR SPACE 

 V RAMALINGAM

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 PROU ! TO BE  ASSOCIATE  !

MISS PRIYA DHABALIA; THE CYCLIST PROSPECTIVE OLYMPIAN D/O MR DEEPAK DHABALIA MUMBAI

 PROU ! TO BE  ASSOCIATE  !

MRS R VIJAYALAKSHMI BEST TEACHER AWARDEE, KARUR W/O MR ARJUNA.

 PROU ! TO BE  ASSOCIATE  !

MR KABILAN THE YOUNG YOGI S/O R SUBRAMANIAN KARUR

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NEWS AN ! GALLERY 

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CREATOR PROTECTOR GROWER SEMINAR AT CHENNAI

MISSION COT TOT AT BANGALORE

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