Volume 15 Issue 07 | October 2015 · Volume 15 Issue 07 | October 2015 ... Editorial Office 2nd Floor, ... national Products Head “W hat you have learned is mere handful,

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Volume 15 Issue 07 | October 2015

3Xpressions - October 2015

OCTOBER 2015 Volume 15

Issue 07

INSIDE

08 News Excerpts 09 Media

10 HR Faccia

12 Customer Interviews

13 V G Nair Writes

14 Economic News

18 She

19 My Scribbles

22 Expedition

25 Around Us

26 Health

27 Cook’s Arena

28 Matrimonio

30 Special Days

31 Fun Side

16

26 HEALTH CORNER

IN EVERY ISSUE

04 Editorial

05 MD’s Message

06 Responsium

07 Global Glimpses

FEATURE

20 INSIGHTS

BhimBetka Rock ShelteRS

Cover photo by Anil MC, Kottakkal Branch

WILDLIFE IN INDIA

Have green for a HealtHy life

Procrastination literally means “put off until tomorrow”. Some popular sayings can be considered at this juncture – “a stitch in time saves nine”; “don’t put off until tomorrow what you can do today”; “one of these days is none of these days”.

Edward Young’s colourful expression that procrastination is the thief of time is very meaningful and thoughtful. It is related to time management, and effective time management is possible through will power and good decision-making.

Procrastination occurs when a goal is delayed for no necessary reason, which will definitely lead to discomfort. Often, most people try to put off something when it affects their comfort level in life. While some others make excuses which otherwise serve as self-protection. It includes bad weather, distraction from a noise, broken equipment, etc.

All poor performers are not poor; it is their habit of procrastination that results in poor performance. This is applicable to people of all ages irrespective of sex.

Procrastination leads to performance anxiety that often starts from the fear of rejection and criticism. For instance, students become anxious and feel they are at the mercy of the faculty standards.

There are several changes that can be made part of your routine to stop procrastination from becoming a habit. Start with a planning calendar and set deadlines for each task that you want to complete. Breaking down your work load into smaller tasks so that it is easier to accomplish. Self-monitoring and rescheduling wherever you have missed a deadline can help you not lose the track. If such minor things are taken care of, you can avoid procrastination.

People often complain about lack of time, but lack of direction is the real problem.

Editor’s Deskebby abrahameditor-in-Chief

Procrastination is the foundation of all disasters

Editorial TeamSheeba Johnson Ann Susan Paul

Feba Jacob

CorrespondentsRatheesh VR

Vishnu MBenny Joseph TX

October 2015 Volume 15

Issue 07Editorial Office

2nd Floor, Krishna Hospital Building, MG Road, Kochi - 682 011

Tel. No: 0484 3047092Email: [email protected]

Visit uswww.uaeexchangeindia.com

4 Xpressions - October 2015

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MD’s Messagev george antonyManaging Director

Dear Colleagues,

Xpressions magazine is a

platform to exchange our blissful moments of happiness and

joy with our customers, colleagues and families experienced through our personal and day to day lives. Xpressions is not

Chief’s Message

Prabhakaran Knational Products Head

“What you have learned is mere handful, what you haven’t

learned is the size of the world” - quote of an ancient Tamil poet, Avyaair, as exhibited at NASA (National Aeronautics and Space Administration), USA. Learning should be a continuous process in life. When you work for an organisation, you have to continuously learn in order to grow along with the organisation. Otherwise, you will have to depend on someone’s compassion, which will not last for a long term. It is not restricted to our organisation, but applies to our personal and social life as well.

DigitalThe global economy is gradually

shifting to a virtual phase effecting almost all the precepts of the society. “Learn or become extinct” is the order of the day. Emergency telegram services or pagers clipped to the belt-loops are episodes of the bygone era. Technology is taking fast strides in its run for excellence and one has to learn, change, and adapt to survive the gravity of its impact.

Customer Delight Being in the service industry, customer preference is the final word. To meet the ever-changing customer expectation and market trends, a consistent study, analysis, and implementation of the current market trends could only catch up with the industry. Every business accounts the income, but can hardly afford to treat

the integral part of income ‘customer’ with prime importance. In fact, it is the customer satisfaction that can drive the show both for income and branding, which are the essential players for business.

As the world perspective changes, customers’ needs too take their turn and we have to evolve ahead of them. We need to prioritise our learning by focusing on the needs of our customers. All our learning should be focused on product, process, and service at the backdrop of enough planning, research, study, and analysis aiming at the perfect end result to harvest rich business and also to stand ahead in quality and efficiency.

Learning

just a forum for sharing our business success alone but also to share the tender moments of happiness and furthermore.

I feel extremely happy and truly honoured to observe the commitment and sincerity of the team of employees striving hard to bring success for the company through happiness and smiles of the customers. The most effectual and cheapest advertisement for business growth is the satisfaction and happiness of our customers.

Personally I obtain relaxation during my early morning or late night walks over the synthetic tracks breathing fresh air. I feel delighted to talk or spend some time with the invalid and aged who have very little expectations at the fag end of their life. Some kind words of hope and aspirations may help them to an extent. I do love

nature and its greenery in all forms. I wish I could plant and enjoy the beauty of growth of plants and fruits. Life near a riverside or lake with fresh breeze and the aroma of unpolluted air are all gifts of nature at its best.

In business, I get really excited and overwhelmed when I get to read positive feedback from customers where they appreciate our employees for their outstanding services. Such motivating messages give me the energy and confidence to work enthusiastically and take courageous decisions for our company.

I request everyone to share your happy moments, achievements, talents and customer feedback to be printed in the magazine. Let the vibrations of happiness touch the hearts and spread through this magazine.


RESPONSIUM

The ManagerUAE ExchangeKVR Tower, Kannur

Sir,

I just wanted to express my great appreciation for an excellent customer service provided by Mr Nivin TM at the branch. My son study in China and he is holding Axis Travel Currency Card, which was issued from your branch and I have been approaching him (Mr Nivin) for reloading this card every month since April 2015.

Mr Nivin has been providing his consistent, prompt, and courteous service whenever I visit your branch for this transaction. Mr Nivin’s calm and patient manner has been a great

ApprEcIAtIoN lEttEr from mr SadaShivan P for Kannur Kvr Tower Team

help and he has always been really quick in helping me get my work done.

I also appreciate Ms Meera who has been doing the same smoothly, completing the transactions as per my expectations in Mr Nivin’s absence.

In your ticketing area Mr Umesh, who is calm and patient, has been a great help to me in understanding, studying, and answering all my questions.

During my visits I was welcomed very politely by all your staff at your branch. I appreciate the standard of service provided to me and look forward to a long lasting relationship.

Thanks and Regards,

Sadashivan P

During my each visit I am welcomed very politely by all your staff at your branch.

Note: The transcripts of these letters are slightly edited.

ApprEcIAtIoN lEttEr froM mr vilaS reddy for mr malleSh, adilabad branch

Greetings,

I would like to place on record the wonderful services provided by UAE Exchange for my son’ s education fees payment made to an overseas university and for card loading.

I would like to appreciate Mr Mallesh and your team for giving wonderful support to my son’s programme in the USA.

I will definitely recommend for UAE Exchange’s services like forex and travel.

Thank you

Regards,

Vilas Reddy BadalaManager - Deccan Gramin Bank

Collectorate Branch – Adilabad

ApprEcIAtIoN lEttEr froM mr narayan reddy for mr malleSham Koderi

Dear Mr Mallesham Koderi

I wish to thank you and your organisation UAE Exchange & FS Ltd

for the services rendered during the planning and execution of our family trip to Ooty, Coorg, and Mysore.

Accept my sincere, personal appreciation for the personal attention and patient support for the entire programme.

Mallesh, I thank you and your Adilabad team for the help. I will recommend UAE Exchange for the services in future.

Thank you.

Regards,

Narayan Reddy

MEDIA clIpS


uae exchange launcheS SMArt pAy pErSoNAl AccIDENt INSUrANcE SchEME

uae exchange TeamS uP wIth NIcE ActIMIzE to chEck crIME

UAE Exchange has joined hands with financial crime solutions provider NICE Actimize to

strengthen its compliance architecture. NICE Actimize will design a portfolio of financial crime solutions, including Actimize Anti-Money Laundering and Actimize Integrated

Fraud Management (IFM) solutions for UAE Exchange. “At UAE Exchange, our objective has always been to strengthen our ability to fight financial crime by investing in proven compliance and monitoring systems,” UAE Exchange CEO Promoth Manghat said. These systems, coupled with the Actimize Integrated Fraud Management Platform, will also provide UAE Exchange real-time alerts for money laundering and fraud scenarios.

“These solutions are being customised and integrated with our own technology architecture, transaction systems and fraud management so as to reduce monitoring

costs, improve investigative efficiency and provide comprehensive regulatory coverage. We are glad to associate with NICE Actimize and further augment our compliance programme,” Mr Manghat said. “We believe that the mission of UAE Exchange and NICE Actimize are perfectly aligned in their common objective to protect financial institutions and their customers in emerging markets from a range of financial crimes, including money laundering schemes and similar concerns,” NICE Actimize Global V-P and General Manager, Anti-Money Laundering, Ed Sander said.

GLOBAL GlIMpSES

UAE Exchange, in association with The New India Assurance Company Limited announced

the launch of Smart Pay Personal Accident Insurance scheme. Designed specifically for the UAE market, the insurance scheme is free and can be availed by all customers who receive their salaries through UAE Exchange’s WPS compliant payroll service – Smart Pay.

Speaking on the occasion, Varghese Mathew, Country Head - UAE Exchange, UAE said, “Loss of health, loss of income, and loss of asset are three major risks an individual might confront in case of an

accident. Smart Pay Personal Accident Insurance scheme covers the policy holder against death or disability due to an accident. We are glad to associate with New India Assurance Company who is supporting us in creating awareness among

the employees on the necessity of having an accidental insurance policy.”

Commenting on the tie-up, C.S Ayyappan, COO- Dubai Operations, The New India Assurance Company Limited said, “We are pleased to be part of this strategic partnership with one of the world’s leading remittance, foreign exchange and payment solutions brand. The free, customised and superior value insurance solution to the employees is in line with the unique requirements of the various individuals and will benefit the employees if met with any casualties.”

MEDIA clIpS

UAE Exchange India to lend against property, Business Line

UAE Exchange India ties up with State Bank of Travancore, The Hindu

UAE Exchange India to push digital growth, The New Indian Express


NEWS EXcErptS

Arantangi branch conducts customer meet

Arantangi branch of UAE Exchange India conducted customer meet programme at the branch in the presence of special guests Mr Ganesh, leader of local primary

school association, UAE Exchange India Regional Head Mr Balakrishnan, Branch Head Ms V Annakavitha, and other officials of the company.

UAE Exchange gifts it customer

Anchal branch of UAE Exchange India distributed the gift prize of a smartphone

to its customer Mr Mathai Yohannan who was selected as one of the lucky winners of Customer Loyalty Month lucky draw. The prize was distributed at a special function by UAE Exchange India Regional Head Mr Bibimon in the presence of branch head, invited customers, and other staff of the company. Customer Loyalty Month was celebrated to express the company’s gratitude towards its customers who have bestowed their trust on the brand. As part of the campaign special offers and gifts were arranged for customers who did any business transactionwith the company during the month. Mega prizes of iPhone 6 and daily smartphones were given to winners during the month.

Customer Meets are conducted by the branches of UAE Exchange India to create a healthy bonding with its customers. These are also carefully planned and executed to encourage customer loyalty and interaction. During customer meets, local personalities are often invited and special classes or interactive session are arranged for the customers. Entertainment programmes, such as dances by customers’ kids, are held to help the customers constantly engage with the company, thereby building a long-lasting relationship with the staff. Lucky draw contests are often conducted for the customers and special guests and the winners are given special gifts by the high officials of the company.

Mannargudi branch conducts customer meet

Mannargudi branch of UAE Exchange India conducted customer meet on 23rd September 2015 and about 50 customers

participated in the meeting in the presence of special guests, including local LIC Manager Mr Murugan, Lions Club Head Mr Rajakumaran, and Mannargudi Axis Bank Manager Mr Prabhakaran. UAE Exchange India Regional Head Mr Rajesh, Branch Head Mr B Raja, and other staff were also present at the meeting.

Chittur branch conducts customer meetChittur branch of UAE Exchange India conducted customer meet on 23rd September 2015 and about 26 customers attended the meeting.

UAE Exchange India ties up with Videocon

UAE Exchange India has tied up with Vide-ocon Industries Ltd. Videocon officials Mr TV Rudran and Mr Anirudh Dhoot and UAE

Exchange India Regional Head Mr Darayus M Bhoja handed over the documents, declaring the tie-up. Videocon Group was founded by Shri. Nandlal Mad-havlal Dhoot. In collaboration with Toshiba Corpora-tion of Japan, he launched India’s first world-class colour television: Videocon. Today, Videocon is a household name across the nation. Videocon is one of the leading brands in consumer electronics and home appliances in India and is trusted and chosen by over 50 million people for a better lifestyle. UAE Ex-change India’s tie up with the great brand is expected to enhance the company’s goodwill, providing better and quality service for its customers.

Awareness programme at Bar Association

UAE Exchange India Regional Head Mr T Rajendrakumar conducted awareness programme at BAR Association of

Rangareddy district. Special section on stress management was also conducted for the advocates of the association. About 70 advocates participated in the campaign session. As part of connecting HNI segment programme, Ms Vara, Dilsukhnagar branch head, staffs – Ms Deepthi and Mr Shakil, also participated in the programme.

Customer Meets

New branch at CherpulaserryUAE Exchange India has inaugurated its new branch at Cherpulasserry. The new branch was inaugurated by Mr Suresh K, gramapanchayat president, Cherpulassery.

Branch Blossoms

Ajmer branch gets a new locationAjmer branch of UAE Exchange India was shifted to a new location on 22nd September 2015.

EMPLOYEE ENGAGEMENt

Uae exchange india’s Customer Care Unit in Hyderabad had a wonderful day of colours and flowers. they conducted rangoli Competition with 7 participants. the best rangoli was selected by a panel of judges, which included Zonal Head Mr n gopi, Mr Shahul, Ms Deepika, and Ms Parineeta. the winner, Ms Divya, was awarded.

Divya Rangoli

By Ms Jeevitha

By Ms Jyothsna By Ms Lavanya

By Ms Priyanka

By Ms Riya

By Ms Rajini

Xpressions - October 2015 9

Other entries of the competition


HR fAccIA

How far will you go for something you are passionate about? How

far will you drive to watch your favourite sports team playing? How about a piece of nice jewellery for your wife or a nice watch for your husband? How much cash will you be ready to spend to make sure your family lives with utmost luxury and comfort?

We talk about passion all the time, but very few of us apply it to our job. We spend almost as much of time with our colleagues at work as we do with our families. Many of us make a definite distinction between home and work.

We all would die to protect our family. We feel this passion

Johnee Praveen RChief People Officer

KNOW THE CONCEPT

SlanderFalse defamation expressed as spoken words, signs or gestures, which cause damage to character or reputation of the individual being defamed.

Spot RewardsCash or non-cash awards given to employees for ideas submitted or accomplishments benefitting the organisation.

SWOT AnalysisA strategic planning tool used to collect and evaluate information on an organisation’s current strengths, weaknesses, opportunities, and threats involved in a specific project or business venture.

Dear Colleagues,

Work with Passion

without even questioning its depth. But the other part of our lives, the working part, can be something else altogether. We want to do well because it means promotion and a raise, but many of us are not really passionate about it or about the colleagues with whom we spend so much of our days.

Here is why passion at workplace is so important:

1. Passion intensifies our focus.2. Passion enables innovation and creativity.3. Passion creates energy among colleagues that allows work to be completed more quickly.4. Passion helps people deal

with fear.5. Passion makes employees want to stay in their jobs and contribute, even when they are not feeling their best.Most of us feel stressed out

when there is an overload of work. This is because working hard for something we don’t care about is always stressful. If we try doing the same overload which is something we love, it would be because of passion.

As our organisation hit its 35th milestone on October 23rd, I would like to remind you all by an important rule “Be a NOVEL, not a NEWSPAPER”. Newspapers are usually thrown away the next day. Novels may be reread and cherished for years.


• Get into the habit of taking mental vacations throughout the day. Visit Bermuda for five minutes in the morning. Visualize a swim in the Mediterranean in the afternoon and skiing down the slopes of the Alps just before you head for home at the end of your busy and productive day. Try this for two months and schedule these rest periods into your agenda just as you would your essential meetings or tasks. The rewards will be significant.

• A change is as good as a rest. Whether this change is as major as a change of employment or as minor as a leisure pursuit which occupies your entire attention for an hour three times a week, these changes in routine, and mindset are entirely beneficial. In selecting the activity, try to find something totally engaging which requires deep concentration so that your mind is free from the mundane but seemingly important aspects of your day. Many executives are becoming involved in the martial arts for just this reason. If your mind wanders for even a split second, a harsh lesson is soon learned. Pain is a great motivator and always will be.

• Study these 10 fundamentals of happiness:

•Pursueaproductive,excitingandactivelife

•Engageinmeaningfulactivitieseveryminuteof every day

•Developanorganized,plannedlifestylewithlittle chaos

•Setrealisticgoalsyetkeepyourmarkhigh

•Thinkpositively-youcannotaffordtheluxuryofa negative thought

•Avoidneedlessworryovertriflingmatters

•Devotetimetofun

•Developawarm,outgoingpersonalitywitha sincere love of people

•etinthehabitofgivingmorethanreceiving

•Learntoliveinthepresent.Thepastiswater under the bridge of life.

• Strive to be humble and live a simple life.

• Read “A History of Knowledge” by Charles Van Doren which chronicles the history of the world’s ideas. In this one book is an absolute wealth of knowledge. Get it, read it and enjoy it.

• Read “The Art of the Leader” by William A. Cohen. It is both inspirational and practical.

• Develop that elusive quality known as charisma.

The following are ten qualities of a charismatic leader:

•Be committed to what you are doing •Looklikeawinnerandactlikeone•Havebigdreams,avisionandreachforthesky•Steadilyadvanceinthedirectionofyourgoals•Prepareandworkhardateverytaskyoudo•Build a mystique around yourself •Beinterestedinothersandshowkindness•Have a strong sense of humour •Beknownforthestrengthofyourcharacter •Have grace under pressure. (John F. Kennedy saidthat“theelusivehalf-stepbetweenmiddle management and true leadership is grace under pressure.”)

• In work, love and life, play hard and play fair.

hR Puzzle 32

The Top 200 Secrets of Success and the Pillars of Self-MasteryBy Robin S. Sharma (Author of “The Monk Who Sold His Ferrari”)

(cont.)

Please send in your answers to [email protected] with HRPZL 32 as subject line mentioning your employee code. From the first 50 answers, one lucky employee will get a surprise gift from HR. Hurry Up!

7 6

3

5

7

4 9

1

9

8 5

7 4 3 5

6 7

2

9

6

8 2

7

1 9

3 6

8

SUDOKU

ECP – 6

Continued on page 29, HR Faccia


CUSTOMER INtErVIEwS

Mr Mathew Jacob, General Manager, Nucleus Properties

Region: ErnakulamBranch: EdappallyStaff: Mr Abhilash

Q: How did you reach this level?A: I reached this level through my hard work and sincerity in work. Nucleus properties is an MNC and I joined this company 1.5 years back. Now, there are about 10 ongoing projects and the company has spread its reach to Kottayam, Trivandrum, and Calicut. Previously, I was general manager of National Builders. It is only through my hard work that I achieved this level. Q: What is your success mantra?A: My success mantra is dedication in my work and sincerity towards my profession. Thirty five years of my ex-perience is the boost to my next level. I have 8 years of experience in National Builders, through which I have made my new venture in the next level. Q: What is your advice for our new generation?A: Nowadays, their work lacks con-centration and sincerity. Majority of new-generation people are smart workers, but they should be loyal to their profession and they should also develop a habit of learning new technologies and implementing theme in their profession. A lot of students pass out with good marks, but fail to perform well in their profession. They should be loyal to their profession and work with sincerity.....................................................................................................................

Dr Nilesh Despande, Growing Smile Multispecialty Dental Clinic

Branch: NagpurRegion: GoaStaff: Ms Mithali Q: How did you reach this level?A: I reached this level through hard work, self-belief, and consistent efforts. Q: What is your success mantra?A: My success mantra is planning and developing short term goals to reach bigger goals.

Q: What is your advice for our new generation?A: Life is full of opportunities. Think rationally and grab them. ....................................................................................................................

Mr Maheshwaram Upender, NRI businessman

Region: VijayawadaBranch: WarangalStaff: Mr Raju

Q: How did you reach this level?A: I reached this level through sheer hard work, by building good relation-

ship with people, keeping a systematic life, thinking positively, and by gener-ating my own frames.Q: What is your success mantra?A: My success mantra is meeting the target fixed by myself, keeping an eye on physical fitness, and keeping day to day update about everything happen-ing around me.

Q: What is your advice for our new generation?A: Focus on national and international activities. The new generation has to be updated with the current market trends and other world-wide updates. ....................................................................................................................

Dr Johnson C I, Neurologist, Ernakulam Medical Centre

Region: ErnakulamBranch: EdappallyStaff: Mr Abhilash

Q: How did you reach this level?A: Basically, I am from a middleclass family. My parents were teachers and we are eight members in our family. My father motivated and gave us more care. My parents gave us much aware-ness about our studies and guided us very well. Through their guidance and care I built a vision to become a doctor and through my hard work and com-mitment, I could reach this level.

Q: What is your success mantra?A: At the time of my school studies I made a thorough knowledge about the subject. I got 14th rank in MBBS exam in state level. I referred a lot of books and atlases and also spent quality time in the library. I would not waste time


VG NAIR wrItES

Because none of us have many more years to live, optimistically those who

are in midlife or in the second half of life… and we can’t take along anything when we go.

Spend the money that should be spent,

Enjoy what should be enjoyed, Donate what you are able to

donate…but don’t make your children

and grandchildren become parasites who may be waiting for the day you will die!

Don’t worry about what will happen after we are gone, because when we return to dust, we will feel nothing about praises or criticisms. The time to enjoy the worldly life and your hard-earned wealth will be over!

Don’t worry too much about your children, for children will have their own destiny and should find their own way.

Don’t be your children’s slave.Care for them, love them, give them gifts,

but also enjoy your moments. Enjoy your money while you can.

Life should have more to it than working from cradle to grave.

One day passes without happiness, you will lose one day.One day passes with happiness, then you gain one day.

In good spirit, sickness will cure.In a happy spirit, sickness will cure faster.In high and happy spirits, sickness will never come.

Above all, learn to cherish the goodness around and FRIENDS. They all make you feel young and wanted.Without them, you are sure to feel lost!

Stress means the gap between expectations and reality.More the gap, more the stress.Expect nothing

and accept everything.

Don’t believe in tit-for-tat rule,because we can’t bite a dog who

has bitten us, so don’t spoil your level just to teach others.

Moral:

“Think twice.Act wise.”Learn to “LET GO”.Because you cannot have the next breath until you let go the existing one.

for anything. I used to keep doing anything that was good for my life. I also used to refer books and update by knowledge for my profession. I am an ordinary man. I have just put 100 per cent commitment into my work.

Q: Do you have any advice for our new generation?

Where your life stands here on earth…it is like noon in your life…

A: Have a basic knowledge in what-ever you do. And also have utmost confidence. In my profession also I have taken things from its basic level. Think what to do first and if you need help, refer with your superior. Do everything with perfection and do our best in our own profession to achieve the next level. Polish and better our

techniques. We should also be a good human being. In my profession, I don’t consider my patients as means of my salary, but I consider each and every patient as a VIP.


ECONOMIC NEwS‘Sin tax’ for alcohol, tobacco industries in GST regime

Alcohol and tobacco industries will have to pay more taxes towards an additional ‘sin

tax’ under the proposed Goods and Services Tax (GST) structure that seeks to bring in a uniform indirect tax regime across the country. Typically, ‘sin tax’ is an excise tax that is levied on products and services considered to be bad for health or society such as alcohol, tobacco, and gambling. These additional taxes are also seen as efforts to discourage people from use of such products or services. Besides, such taxes are often the most common measures by the governments to shore up their tax revenues as people generally refrain from opposition to such levies as they are indirect in nature and affect only their end users.

Finance Minister Arun Jaitley has said that the ministry is waiting for comments and suggestions and will be going through all suggestions from the industry. After making necessary changes based on those suggestions, a final report would be placed before the GST council before the final GST law is framed. GST is being seen as one of the biggest tax reforms in the country. While the Constitution Amendment Bill to roll out the law has been passed in Lok Sabha, it is awaiting clearance from the Rajya Sabha where the ruling NDA lacks a majority. The government is meanwhile undertaking the preparatory work necessary for GST implementation, which will subsume various taxes like excise, service tax, sales tax, octroi, etc., and will ensure a single indirect tax regime.

Indian e-commerce business to hit $35 bn by 2019: Nomura

According to a recent report, Indian e-commerce sector’s growth looks strong and is

expected to reach USD 35 billion by 2019. The report, however, noted that the focus needs to move towards the roadmap to profitability, where “some progress is visible but a lot is still in the works”. It further said that there are areas where significant progress needs to be made and that include diversification of categories, less discounting, improved logistics and benign legislation like GST. On these fronts, there are “still works in progress and remain big areas of investment”.

According to the report, festive sale season kicked off with a bang for Indian e-commerce players, but still is lower in comparison with China and the US. In China, Alibaba during its ‘Singles Day’ on November 11, 2014 sold goods worth USD 9 billion, while in the US, during Cyber Monday (Monday after Thanksgiving) and Black Friday, sales of around USD 3 billion each were recorded in 2014. In comparison, the quarterly expectations for India’s holiday sales are closer to USD 4 billion. Typically the festive season (October to December) accounts for about 35-40 per cent of annual sales for the e-commerce firms. According to Technopak, e-commerce in India recorded around USD 7 billion in annual sales in FY15, and is expected to generate about USD 10 billion in FY16, leading to sales expectations of around USD 4 billion for the ecommerce firms this festive season.

Indians remain top investors in Dubai realty industry

Indians were the most prolific foreign investors in Dubai real estate during the first half of 2015,

with a total of 3,017 transactions worth over $2 billion, figures released by the Dubai land department showed. Burj Khalifa, Business Bay, Palm Jumeirah, and Dubai Marina were the most preferred locations for Indian buyers. “The characteristic Indian mindset of solidifying assets in multiple arenas complements the dynamics of Dubai real estate which offers a number of options to buyers to accommodate their budget and preferences. Recent trends of purchasing properties also suggest that the buyers are looking at profitable dividends in the form of rents and resale value,” said Sunil Jaiswal, President of Sumansa Exhibitions.

Amongst the factors responsible for the trend are relatively low property prices. The average ticket size for prime locations is around 2-4 million UAE Dirhams which ranges from ₹3.35 crore to ₹6.69 crore. The ticket size in prime location in India would cost around ₹5-10 crore. In addition, it is considered as an opportunity to garner greater returns on investments. Other factors that have boosted sentiment include the recent move by the RBI to allow investors to send up to $250,000 freely overseas to buy property, Dubai’s proximity to India, rental yield of 4-7 per cent a year, and better transparency in deals. According to the Dubai land department, residential apartments account for 60 per cent of Indian buyers’ investments.


PRODUCT INfo

GoCash Prepaid Travel Card, with multicurrency facility, could be easily used at ATMs for withdrawal at any location across the globe with

a few exceptions. UAE Exchange India always makes innovative endeavours best suited for the satisfaction and convenience of the customers, for which GoCash is yet another illustration. The much facilitated card enables Exchange Rate Lock Facility, Security, and Accessibility at minimum time with worldwide acceptance for purchases across millions of Master Card-approved merchant locations. Travel card acts as a safety machine and customers can be free from the fear of cash carrying enigma.

GoCash Card is a Prepaid Multi Currency Travel Card which runs on MasterCard platform. The Card can be loaded in Six Currencies, which includes all the Major currencies namely US Dollars, British Pound, Australian Dollars, Euro, Singapore Dollars and UAE Dirham’s. The maximum loading limit of the card is USD 1 lakh, so the customer needn’t run around to get currencies which can at times be a hassle. One of the major USP’s of GoCash Card is the Mobile App. We are the only market player to have a Mobile App for the Travel Card Platform. Customers can do all major transactions like PIN reset, Balance Enquiry, Report Lost or Stolen Card and Wallet Transfers through the Mobile App. GoCash Card also comes with a validity of 5 Years which enables the customer to use the card for multiple travels and a longer period.

Customer Support➢ Online application is available in www.gocashindia.com ➢ Mobile app can be downloaded only on Android and Iphone. Downloading the mobile app is free and easy all customers have to do is visit iTunes / Play app store and find the app “Go cash” and follow the download steps.➢ The online account center and mobile app offer the following self serve options:➢ Customer can send their quires and compliant through mobile app & internet app. To support@

GocaSh

516126

multicurrency

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PRePaid tRavel caRd

Ramesh R, Head – Forex, India

FEATURE

WILDLIFE IN INDIA

16 Xpressions -October 2015


well known for its endangered and rare wildlife in all over the world, boasts of its wildlife that is unique in their richness and

diversity. According to various surveys, about 4%

of Indian land is covered with forests. India’s rich and abundant

animal life is attributed to the diverse climate and geography of the Indian subcontinent.

India has some of the most biodiverse regions of the world and hosts three of the world’s 35 biodiversity hotspots – that is the Western Ghats, the Eastern Himalayas, and Indo-Burma. India is one of the seventeen megadiverse countries. According to one study, India along with other 16 mega diverse countries is home to about 60-70 % of the world’s biodiversity. India, comparing to other countries, has rare species in its jungles, wildlife national parks, and sanctuaries. India contains approximately 92 wildlife national parks and 480 wildlife sanctuaries.

The wildlife in India comprises a mix of species of different types of organisms. Apart from a handful of the major farm animals such as cows, buffaloes, goats, poultry, and camels, India has an amazingly wide variety of animals native to the country. It is home to Bengal tigers, Indian lions, deer, pythons, wolves, foxes, bears, crocodiles, wild dogs, monkeys, snakes, antelope species, varieties of bison, and the Asian elephant.

Other popular animals found in India are Apes, Asiatic Lions, Buffaloes, Spotted Deer, Sambar Deer, Hog Deer, Barking Deer, Swamp Deer, One-Horned Rhinoceros, Sloth Bears, Blue Bull (Neelgai), Indian Gazelle (Chinkara), Goats and Tigers.

The region’s rich and diverse wildlife is preserved in 120+ national parks, 18 bio-reserves and 500+ wildlife sanctuaries across the country. Since India is home to a number of rare and threatened animal species, wildlife management in the country is essential to preserve these species. In recent decades, human encroachment has posed a threat to India’s wildlife; in response, the system of national parks and protected areas, first established in 1935, was substantially expanded. In 1972, India enacted the Wildlife Protection Act and Project Tiger to safeguard crucial habitat; further federal protections were promulgated in the 1980s. Along with its wildlife sanctuaries, India now hosts 18 biosphere reserves, 9 of which are part of the World Network of Biosphere Reserves; 26 wetlands are registered under the Ramsar Convention.

The natural wealth of the Indian subcontinent has remained unique, mysterious and fascinating for nature lovers. In Indian philosophy, life in any form is deemed sacred and it is advocated that compassion for all living creatures is essential. The worship of nature in all its different forms is an essential part of our cultural legacy.

India,

the natural wealth of the Indian subcontinent has remained unique, mysterious and fascinating for nature lovers. In Indian philosophy, life in any form is deemed sacred and it is advocated that compassion for all living creatures is essential”


SHE

Alright, this is not cool at all. A recent survey by Nielsen has revealed that Indian women

are the most stressed out in the world: 87% of our women feel stressed out most of the time. This statistic alone has caused me to stress out. Even in workaholic America, only 53% women feel stressed.

What are we doing to our women? I’m biased, but Indian women are the most beautiful in the world. As mothers, sisters, daughters, colleagues, wives and girlfriends - we love them. Can you imagine life without the ladies?

For now, I want to give Indian women five suggestions to reduce their stress levels.

One, don’t ever think you are without power. Give it back to that mother-in-law. Be who you are, not someone she wished you would be. She doesn’t like you? That’s her problem.

Two, if you are doing a good job at work and your boss doesn’t value you - tell him that, or quit. Talented, hard-working people are much in demand.

Three, educate yourself, learn skills, network - figure out ways to be economically independent. So next time your husband tells you that you are not a good enough wife, mother or daughter-in-law, you can tell him to take a hike.

Four, do not ever feel stressed about having a dual responsibility of family and work. It is difficult, but not impossible. The trick is not to expect an A+ in every aspect of your

life. You are not taking an exam, and you frankly can’t score cent per cent (unless you are in SRCC, of course). It is okay if you don’t make four dishes for lunch, one can fill their stomach with one. It is okay if you don’t work until midnight and don’t get a promotion. Nobody remembers their job designation on their dying day.

Five, most important, don’t get competitive with other women. Someone will make a better scrapbook for her school project than you. Another will lose more weight with a better diet. Your neighbour may make six-dabba tiffin for her husband, you don’t - big deal. Do your best, but don’t keep looking out for the report card, and definitely don’t expect to top the class. There is no ideal woman in this world, and if you strive to become one, there will be only one thing you will achieve for certain - stress.

So breathe, chill, relax. Tell yourself you are beautiful, do your best and deserve a peaceful life. Anybody trying to take that away from you is making a mistake, not you. Your purpose of coming to this earth is not to please everyone. Your purpose is to offer what you have to the world, and have a good life in return. The next time this survey comes, I don’t want to see Indian women on top of the list. I want them to be the happiest women in the world.

Article by Chetan Bhagat published in the Times of India

Don’t worry, be happy


MY ScrIBBlES

Hemalatha MKPayyanur branch

Vinod KumarBranch Head – Wadakkancherry


INSIGHT

The Bhimbetka rock shelters are an archaeological site, located in the Raisen District in the

state of Madhya Pradesh, inside the Ratapani Wildlife Sanctuary and at the southern edge of Vindhya hills. They were declared a World Heritage Site in 2003.The name Bhimbetka is associated with Bhima a hero-deity of the epic Mahabharata. The caves also deliver early evidence of dance.

Bhimbetka was first mentioned in Indian archeological records in 1888 as a Buddhist site, based on information gathered from local adivasis. Later V. S. Wakankar, while traveling by train to Bhopal, saw some rock formations similar to those he had seen in Spain and France. He visited the area with a team of archaeologists and discovered several prehistoric rock shelters in 1957

The entire area is covered by thick vegetation, has abundant natural resources in its perennial water supplies, natural shelters, rich forest flora and fauna, and bears a striking resemblance to similar rock art sites such as Kakadu National Park in Australia and the cave paintings of the Bushmen in Kalahari Desert.

Since 1957 more than 750 such shelters have been identified, of which 243 are in the Bhimbetka group and 178 in the Lakha Juar group

The rock shelters and caves of Bhimbetka have a large number of paintings. The oldest paintings are considered to be 30,000 years old, but some of the geometric figures date to as recently as the medieval period. The

colors used are vegetable colors which have endured through time because the drawings were generally made deep inside a niche. The drawings and paintings can be classified under seven different periods.

Period I - (Upper Paleolithic): These are linear representations, in green and dark red, of huge figures of animals such as bison, tigers and rhinoceroses.

Period II - (Mesolithic): Comparatively small in size the stylised figures in this group show linear decorations on the body. In addition to animals there are human figures and hunting scenes, giving a clear picture of the weapons they used: barbed spears, pointed sticks, bows. The depiction of communal dances, birds, musical instruments, mothers and children, pregnant women, men carrying dead animals, drinking and burials appear in rhythmic movement.

Period III - (Chalcolithic) Similar to the paintings of the Chalcolithic, these drawings reveal that during this period the cave dwellers of this area were in contact with the agricultural communities of the Malwa plains, exchanging goods with them.

Period IV & V - (Early historic): The figures of this group have a schematic and decorative style and are painted mainly in red, white and yellow. The association is of riders, depiction of religious symbols, tunic-like dresses and the existence of scripts of different periods. The religious beliefs are represented by figures of yakshas, tree gods and magical sky chariots.

Period VI & VII - (Medieval): These paintings are geometric linear and more schematic, but they show degeneration and crudeness in their artistic style. The colors used by the cave dwellers were prepared by combining manganese, hematite and wooden coal.

One rock, popularly referred to as “Zoo Rock”, depicts elephants, sambar, bison and deer. Paintings on another rock show a peacock, a snake, a deer and the sun. On another rock, two elephants with tusks are painted. Hunting scenes with hunters carrying bows, arrows, swords and shields also find their place in the community of these pre-historic paintings. In one of the caves, a bison is shown in pursuit of a hunter while his two companions appear to stand helplessly nearby; in another, some horsemen are seen, along with archers.

In one painting, a large wild boar is seen. It is not known whether such large boars existed that time (note that, according to the skeletons found, those humans were about 7 feet tall) or the humans drew it with enlarged scale.

Bhimbetka reflects a long interaction between people and the landscape. It is closely associated with a hunting and gathering economy, as demonstrated in the rock art

The area has abundant natural resources - perennial water supplies, natural shelter, rich forest flora and fauna, and these conditions of plenty seem to have been conducive to the development of sustainable and

BhimBetka Rock ShelteRS


persistent societies and the creation of notable rock art.

The site includes five clusters of rock shelters, with one large complex in the buffer zone. The rock shelters display persistent traditions of rock painting, spanning periods from the Mesolithic to the Historic. They also display a profusion, richness and variety of mural subjects and, as a collection, form one of the densest known concentrations of rock art. Many of the rock shelters within the area are set within fairly dense forest, which displays a high diversity of flora and fauna, still harvested by the local people. Overall the landscape has a strong appealing aesthetic quality, derived from the beauty of the naturally sculpted rock formations and the contrasting lush, densely wooded vegetation, which together give the place a ‘timeless’ quality.

Bernard Gagnon

Tanujdeshmukh

Tanujdeshmukh Wikimedia Commons


To start with, let me thank our MD Mr V George Antony and the management for giving me

a wonderful opportunity to visit Dubai along with a 650-pax group. It was a great learning experience for me.

I would like to brief my tour experience with all of you.

The group belonged to QNET, a multi-level marketing company like Amway. The group of QNET members was attending their annual V-Convention UAE 2015 held at Hamdan Sports Complex, Dubai. The V-Convention is a grand annual gathering hosted by The V, open to all members of QNET, for personality development and marketing skills improvement. About 10,000 persons from all over India participated in the grand event. These are professionals and HNI customers. The event also marked the official announcement of Martina Hingis as the new Brand

Ambassador of the company. Etihad Airways was the Official sponsor for this conference.

14th September 2015On 14th September 2015, afternoon, Mr Mahesh and I reached Dubai and checked into Hotel Dream Palace. After refreshment, we met the hotel’s CEO, Mr Nishar, and the sales manager, Mr Satish, for making check-in arrangements for 150 pax who would be arriving the next day. As per our suggestion, they arranged a separate counter displaying the logo of UAE Exchange for our customers to check in so as to avoid delay.

After this, we visited one of our suppliers, M/s Royal Gulf, and met CEO Mr Rimmy, Sales Manager Mr Vivek, and Mr Devender. We had a discussion about the separate check-in counter at the hotel and about other

plans to make necessary arrangements, which they followed-up with the hotel.

Then we met the five group leaders who were entrusted with the pax and provided all needed information and discussed the arrangements after taking suggestions from them.

That night, we met Mr Rajesh and Mr Prnu, sales managers of our main supplier M/s Royal Arabian Tours, and made arrangements for the check-in. Then I met Mr Mahesh and discussed about all things that were decided that day and re-verified all the arrangements. We decided to complete this task with cent per cent success, taking all challenges as positive.

15th September 2015On 15th September 2015, early morning, Mr Mahesh went to Auris First Central Hotel and I went to Imperial Suites Hotel to follow-up

Visit to Dubai

EXPEDITION


with them regarding separate counters for smooth check-in process of our customers. On the first day, about 400 customers checked in smoothly through our separate counters.

16th September 2015In the morning, the group leaders called me to inform that we needed to arrange two buses in each hotel to transport the group leaders and the main person to Hamdan Sports Complex where the conference was to be held from the 17th to the 21st of the month. This was a difficult task. As per our request, our supplier arranged the buses. After 9.00 am I received another call from the main person. He wanted 14 busses from Hotel Crowne Plaza at 11.00 pm.

It was a tough task to arrange 14 busses. But we took the challenge positively and convinced our transporters to arrange the same. We

went to Hotel Crowne Plaza with 14 busses. But the meeting was over only by 1.30 am and the group leaders were in a hurry to manage all the 600 people. As per our plans, we had provided one logo board each to the group leaders, which had our logo and the serial number of bus from each hotel (Eg: UAE Exchange First Central Hotel Bus No. 1). This was already communicated to the group leaders. Even though proper arrangements were made, most customers were not able to find their respective buses. We helped all customers find their bus. Though it was late night and all were very tired, we could manage the situation smoothly with the help of managers from Royal Arabian.

17th – 21st September 2015From 17th morning to 21st evening, all customers woke up early morning, were ready before 7.00 am, had breakfast on time, and took their respective buses to the complex. The conference began in the morning and lasted till late night every day. As per our plans, we had informed our transporters to pick up the group from Hamdan Sports Complex at 11.00 pm. But on the first day, the meeting was over only by 12.30 am. When we entered to stadium, 250 busses are waiting for pick-up. We were shocked to see about 10,000 people ready by the time to start their journey. We managed to pick up all the customers somehow and they were dropped at their hotels by 2.30 am. Again, they woke up early next morning to head to the stadium.

On the second day, Mr Mahesh suggested our drives to assemble their buses at one place (about 800 metres away from the stadium). All the buses

were to have their respective boards and placards for the customers to identify their respective buses. This way, the customers reached their hotels at around 2.30 am and went back to the stadium at 7.30 am the next day. All customers were well-disciplined and punctual according to the timings.

Our buses were waiting from 11.00 pm to 2.00 am in the night, which was very difficult, and our transporters were not supporting us initially. As per our booking, we were required to pick our customers from the stadium at 11.00 pm, but since the meetings were over only by 12.30 am to 2.00 am, our transporters were not ready to wait. On the second day, Mr Mahesh and I visited suppliers’ offices and met the CEOs, requesting to wait until the meeting was over. They considered our request and waited every day will the meeting was over to pick up our customers.

On the fourth day, one bus met with a minor accident, but with God’s grace, all the customers were safe. Immediately, we arranged another vehicle and shifted all the customers to it and they were taken to the stadium on time with the transporters’ support. On the last day also we had a small difficulty with a bus, which was also solved.

From the 3rd day to the 5th day, we had an unfortunate situation at Hotel Dream Palace wherein there was water shortage in the morning and all our

“I am happy that on a whole it was a beautiful experience handling such a big number of customers. The result was fruitful with the appreciations from our customers”


EXPEDITION

customers were complaining about it. On the first day, I met the hotel’s manager and solved the problem within 30 minutes, but the same problem hit us on the second day also. Again, Mr Mahesh, manager of Royal Arabian, and I had a meeting with the hotel’s CEO and manager, and solved the problem after a discussion. But the problem hit us again on the 3rd day. Again we had a meeting and warned the CEO and manager and also instructed them to get the problem repaired in front of us. The problem was solved.

On the last day, a group leader called us to Hamadan Complex and discussed about the water issue at the hotel. He also asked us to arrange good dinner for all the 150 customers who were staying at Hotel Dream Palace. We discussed this with the hotel authorities, but they were not willing for the same. We discussed the matter with our supplier and asked them to make our customers happy with a special dinner hosted at the hotel because no complaints were reported from the other hotels. They agreed with our suggestion and arranged a dinner at Hotel Dream Palace. On the last day of the conference, the customers at the hotel had a good dinner and they were happy with our prompt service.

On the last day, all the group leaders came to us and our suppliers and appreciated our service. And the main person of the meeting has informed that they will be having their next conference at Penang, Malaysia, from 16th May 2016, and has also promised that they will give the maximum number of customers to UAE Exchange.

I have requested them to give us written feedback, which they will provide once they reach India.

I am happy that on a whole it was a beautiful experience handling such a big number of customers. The result was fruitful with the appreciations from our customers.

Again, let me thank our MD George sir for giving me this opportunity by considering our request to allow us to serve this group although there was big risk involved in it.

I am very much thankful to Mr Mahesh who helped me a lot and supported for the grand successes of the event and our Travel Head Mr Shijith for his timely support.

I appreciate Mr Amith, brach head of Mira Road branch, and Ms Heena, travel staff of the branch, for her excellent follow-up with the customers for closing the deal and collecting payment.

Mr T Srinivas ReddyRegional Head- Hyderabad

Last, but not the least, I am very much thankful to our Zonal Head Mr Gopi who encouraged me and supported me to close the tour with all required approvals from the top management. Although there was risk involved in completing this task as initially we were not aware of KYC, Gopi sir still gave me the confidence to go ahead and get involved in materialising this deal. Without Gopi sir, it would have been impossible for me to close this deal successfully.

For Mumbai, this group and the connections we got from it are gateways to achieve bigger numbers in Travel & Tours business.


AROUND US

I had seen a couple of illustrations of the proposed Amaravati capital city by the Capital Region

Development Authority of Andhra Pradesh. But I had no idea of the My Brick, My Amaravati project initiated by the state government until recently. Considering the novelty behind the programme and the amount involved, I immediately made a tiny donation of Rs.30 (for three bricks). More than the excitement of making a donation to this first-of-its-kind initiative, I was more attracted to the government’s offer of a digital online certificate signed by Andhra Pradesh Chief Minister Shri N. Chandrababu Naidu.

My Brick, My Amaravati project, it is a novel initiative by Andhra Pradesh for building its new capital in Amaravati. It has attracted people from all over the world to contribute their little share to building the dream city. The foundation stone for Amaravati was laid by Prime Minister Narendra Modi on 22nd October 2015 in Guntur district. Though the people of Andhra Pradesh have already made their share for city-building through various taxes, it is commendable that the state

My Brick, My Amaravati – A NoVEl INItIAtIVE IN INDIA

government has gone a step further to create history in India through digitalisation. Each e-brick costs only Rs. 10, which makes it all the more affordable. Not only the natives of Andhra Pradesh, but NRIs and people of other states have also made contributions of as much as Rs. 10,000 each. It was reported that the state received a contribution of more than Rs.1 crore within about 48 hours of the announcement of the initiative.

This is a quote from the state’s chief minister about the project:

“We have created history as we laid the foundation for our ‘Amaravati’, the Peoples Capital on 22nd October’2015. We aspire to make Amaravati a true people’s capital, a destination of opportunities and a city of the future. Amaravati beckons us to rededicate ourselves in this mission. I invite you to join me in building our Praja Rajadhani “Amaravati” brick by brick”.

Amaravati has a rich cultural and historical background. Historically, Amaravati is a temple town. Located in the banks of River Krishna, it is was an important centre of administration, just two kilometres away from the

imperial capital of Dharanikota of the great Stavahana rulers, under whom Hinduism and Buddhism flourished in the area. It was also a major part of the Delhi Sultanate and the Mughal Empire. During the British colonial period, Amaravati was also part of their Madras Presidency.

Although Hyderabad will continue to be Andhra Pradesh’s joint capital for the next 10 years until the works of the new city are complete, the new designs of the proposed capital is really impressive. Most of these artists’ illustrations were already shared in popular social media like Facebook. It is indeed commendable that at a time when almost everything is becoming digital, the Government of Andhra Pradesh has gone a step further by innovating e-bricks for the construction of its new capital at Amarvati.

Ann Susan PaulAO Digital Marketing


HEALTH corNEr

Are you familiar with (drumstick leaves)? Most probably, the young generation will be unaware of the features of this medicinal plant. When KFC

and Dominos water the hunger of youth, leafy vegetables are replaced with artificial food stuffs. By the time we realise the importance of leafy vegetables, we will be in the clumps of diseases that may eat up our healthy young time. Scientific studies state that drumstick leaves are rich in Vitamin A, Vitamin C, and has rich content of Amino acid and Calcium.

Drumstick leaves are considered as a natural healing agent and it’s said that Drumstick leaves are like doctors at our homes. All the parts of the plant are used as a natural healer. Try to include more leafy vegetables in your diet for a balanced nutrition. Scientific studies reveal that leafy vegetables make your body healthy. Moringa or Drumstick leaves is one of the most nutritious leaves that has been used for curing various diseases.

Know more about Drumstick leaves •Ithelpsreducebloodpressureandisanaidforheartdiseases.•Diabeticpatientsshouldconsumedrumstickleavesforcontrolling glucose level.•Leafjuiceisusedasanantiseptic.•Purifiesbloodandisusedasaremedyforanemia•Ithasbeenusedasaremedyforcancer,constipation,asthma, diarrhea, headache, and kidney problems. •Itcatalysesdefensemechanismandincreasesbodyimmunity.•Itisrecommendedthatwomenshouldeatdrumsticksduring pregnancy as it helps in delivery and also eases pre and post-delivery complications. Realise the real treasures of nature and develop the habit of balanced and nutritious diet. Avoid preserved and decorated food stuffs to stay healthy and smarter. Teach the values of natural herbs to the coming generation to bring out a healthy generation.

Have green for a HealtHy life

Feba Jacob, AO – Corporate Communication


Nowadays oats has become a part of our food. Many people with lifestyle diseases and beauty-conscious ladies have adapted this grain in their

daily menu. Fifty per cent of people above the age of 40 in cities have already turned their way towards oats as it prevents cholesterol due to the presence of high fibre, it reduces hypertension due to low sodium, and it reduces blood sugar as of low glycaemic index. It’s also soothing to the digestive system. But many people don’t like its taste when consumed with milk or soaked in hot water. So, to make oats tastier, the following recipe can be tried. The taste would be better than the recently banned noodles of a reputed company. Your health can be protected from such poisons too.

Ingredients (serves two) White Oats : 5 to 10 table spoon 1 Small onion : Finely choppedTomato : Cut into very tiny pieces (one medium size)Red chilly : Cut into small pieces (2 numbers)Mustard: Two pinches (10 to 15)Oil : 2 tea spoon onlyTurmeric powder : 1/4 th of a tea spoonSalt : To tasteWater : 300 to 500 ml

Method Take a pan and pour 2 tea spoon oil and heat it till it is very hot. Add some mustard seeds to the boiling oil. Once the mustard seeds crack, add chopped onion and red chillies and stir well till the onion becomes

Kallada VinodHead - Investment Advisory Services

THE COOK’S ArENA

light brown. Add chopped tomato and stir well. Adjust the flames as it shouldn’t burn away the contents. Add a pinch of turmeric powder and salt to taste. Stir till everything is mixed up and well cooked. Pour water and allow the contents to cook for 2 to 3 minutes in low flame. Once the contents mix well with water, add white oats (5 to 10 table spoon) and boil till the oats get cooked. Remove the pan from stove once the oats comes to a good texture. If someone prefers to have it as a soup, they can add little more water in the beginning. If thick consistency is required, it can be cooked till required. As oats has starchy fibre, consuming it warm gives a better taste. It’s very good for heart and other vital organs. The entire process takes 5 to 8 minutes. It is an ideal meal for breakfast or dinner. A flexible and healthy body is assured with a habitual healthy diet.

Curry leaves can be used for garnishing. For those who prefer, curd can be mixed after removing from the flame.

HealtHy anD taSty oat Meal

MATrIMONIO BEllS

Mr Dhanesh and Ms Ayana Krishna, Aluva branch

Mr Abhilash R and Ms Shreelakshmi, IATA Mumbai

EMPLOYEE ENGAGEMENtlet tHe StarS SPeaK

Mr Amit R Kamble and Mrs Heena Khan Mumbai Mira Road branch

Ms Shalini Singh Gorakhpur Branch

Ms Swati Malani and Mr Himadri Sekhar Pal Kalikapur Branch

toP aCHieverS!


HR fAccIA

Congratulations to those who joined in the month of September and have completed 10 and more years with UAE Exchange family!

Continued from page 11, HR Faccia

Answers to HR Puzzle 31

1. What loses its head in the morning and gets it back at night?

Answer: A pillow

2. What is so delicate that even mentioning it breaks it?

Answer: Silence

3. I have eighty eight keys, yet cannot open a single door, why?

Answer: I am a piano

Winner: Mahammad Masood, New Bel Road branch

Branch Name Date of JoiningCHENGANNUR (CHN) S KRISHNA KUMAR 01-09-1999

AO - CCTV MONITORING VARUGHESE KURIAN 03-09-1999

RO - CALICUT SANTHOSH KUMAR . C. 06-09-1999

UPPALA(UPP) VASANTHA SHETTY.K 05-09-2000

SB - BANGALORE - THIPPASANDRA (TRA) NEVEDITHA RAO 01-09-2001

TANJORE (TAN) A. BALRAJ 01-09-2001

AO - BUSINESS DEVELOPMENT R SUDHAKAR 03-09-2001

AO-EXPORT(KOCHI) K T SARAT KUMAR 03-09-2001

AO - RETAIL BUSINESS S.SWAMINATHAN 03-09-2001

RO - TRICHY S. KARTHIKEYAN 03-09-2001

PAYYANNUR (PAY) P V. SATHI DEVI 18-09-2001

CALICUT - TRAVEL DIVISION LINEESH B T 16-09-2002

KANNUR - CITY CENTRE (KNN) JYOTHISH KUMAR M V 16-09-2002

MANIPAL (MAI) BHASKAR A 16-09-2002

KARAIKUDI (KAI) M KEERTHIVASAN 01-09-2004

AO - AUDIT & COMPLIANCE RAJESH M C 01-09-2005

AO - FINANCE SANOJ K GEORGE 05-09-2005

CHENNAI - ADAYAR (CHV) S MURUGAN 05-09-2005

HYDERABAD - CHARMINAR (HYF) DHEERAJ KUMAR BHATNAGAR

05-09-2005

HYDERABAD - CHARMINAR (HYF) OBAIDULLAH SHARIEF 05-09-2005HYDERABAD - TOLICHOWKI (HYT) N MALLESH 05-09-2005GORAKHPUR (GOR) GUROO PRASAD 19-09-2005ARMUR (ARM) M SAI PRASAD 19-09-2005RO - PUNJAB II DEEPAK ANAND 19-09-2005AO - ACCOUNTS MANOJ V MATHEW 26-09-2005

Xpressions - October 2015 29


SPECIAL DAyS

INTERNATIONAL DAY OF OLDER PERSONSOn 14th December 1990, the United Nations General Assembly voted to establish October 1 as the International Day of Older Persons. The day was observed for the first time on 1st October 1991. The day is celebrated by raising awareness about issues affecting the elderly, such as senescence and elder abuse. It is also a day to appreciate the contributions that older people make to the society. This day is similar to National Grandparents’ Day in the United States and Canada as well as Double Ninth Festival in China and Respect for the Aged Day in Japan. The observance is a focus of ageing organisations and the United Nations Programme on Ageing.

“Making cities inclusive of older persons means generating opportunities for their economic and social participation in accessible and safe environments. It also means providing affordable housing as well as the health and social services needed to support ageing in place”- Secretary-General Ban Ki-moon. Living up to the Secretary-General’s guiding principle of “Leaving No-One Behind” necessitates the understanding that demography matters for sustainable development and that population dynamics will shape the key developmental challenges that the world in confronting in the 21st century. If our ambition is to “Build the Future We Want”, we must address the population over 60 which is expected to reach 1.4 billion by 2030. The theme of the 2015 commemoration is “Sustainability and Age Inclusiveness in the Urban Environment”.

WoRLD SMILe DAy World Smile Day is celebrated on the first Friday in the month of October every year. As is well known by now throughout the world Harvey Ball, a commercial artist from Worcester, Massachusetts created the smiley face in 1963. That image went on to become the most recognizable symbol of good will and good cheer on the planet. As the years passed Harvey Ball became concerned about the over-commercialisation of his symbol, and how its original meaning and intent had become lost in the constant repetition of the marketplace. Out of that concern came his idea for World Smile Day.

He thought that we, all of us, should devote one day each year to smiles and kind acts throughout the world. The smiley face knows no politics, no geography, and no religion. Harvey’s idea was that for at least one day each year, neither should we. He declared that the first Friday in October each year would henceforth be World Smile Day. The world’s first World Smile Day was observed in the year 1999. Since then, it has continued every year in Smiley’s hometown of Worcester, MA, and around the world. After Harvey died in 2001, the Harvey Ball World Smile Foundation was created to honour his name and memory. The Foundation continues as the official sponsor of World Smile Day each year.

THE INDIAN AIR FORCE DAYThe Indian Air Force (IAF) is the air arm of the Indian armed forces. It’s the World’s 4th largest air force. Its primary responsibility is to secure Indian airspace and to conduct aerial warfare during a conflict. It was officially established on 8 October 1932 as an auxiliary air force of the British Empire and the prefix Royal was added in 1945 in recognition of its services during World War II. After India became independent from the United Kingdom in 1947, the Royal Indian Air Force served the Dominion of India, with the prefix being dropped when India became a republic in 1950. The President of India Pranab Mukherjee serves as the ex-officio Commander-in-Chief of the IAF. Indian Air Force celebrated the 83rd Indian Air Force Day anniversary at the Hindon air base in Ghaziabad on October 8th.The air show, which left the spectators spell bound, involved different formations and display of flares by the aircraft.

THE FUN SIDE

Employee: “Sir tomorrow is my marriage. Pleas grant me one week’s leave”.

Boss : “Ok. Congrats, go ahead

Employee: “Sir, you know i got married and expenses have doubled. Please increase my salary”.

Boss : “Sorry, the company cannot compensate for accidents happened outside the company.”

Serene Abraham

AfTeR one WeeK

Documents

Volume 15 Issue 07 | October 2015 · Volume 15 Issue 07 | October 2015 ... Editorial Office 2nd Floor, ... national Products Head “W hat you have learned is mere handful,