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Election Resultz..click on diagram

Election Resultz..click on diagram
ruralmama

ADVISOR'S JUNCTION

Relaxing Weekends
Getting away from their high-stress jobs, a couple spends relaxing weekends in their motor home. When they found their peace and quiet disturbed by well-meaning, but unwelcome, visits from other campers, they devised a plan to assure themselves some privacy.
Now, when they set up camp, they place this sign on the door of their RV:
"Insurance agent. Ask about our term-life package."

Military Life Insurance

Airman Jones was assigned to the induction center, where he advised new recruits about their government benefits, especially their GI insurance. It wasn't long before Captain Smith noticed that Airman Jones was having a staggeringly high success-rate, sellinginsurance to nearly 100% of the recruits he advised. Rather than ask about this, the Captain stood in the back of the room and listened to Jones' sales pitch.
Jones explained the basics of the GI Insurance to the new recruits, and then said: "If you have GI Insurance and go into battle and are killed, the government hasto pay $200,000 to your beneficiaries. If you don't have GI insurance, and you go into battle and get killed, the government only has to pay a maximum of $6000.
Now," he concluded, "which group do you think they are going to send into battle first?"

Insurance Claim

A Charlotte, North Carolina man, having purchased a case of rare, very expensive cigars, insured them against .... get this .... fire.
Within a month, having smoked his entire stockpile of fabulous cigars, and having yet to make a single premium payment on the policy, the man filed a claim against the insurance company.
In his claim, the man stated that he had lost the cigars in "a series of small fires."
The insurance company refused to pay, citing the obvious reason that the man had consumed the cigars in a normal fashion.
The man sued ... and won!!
In delivering his ruling, the judge stated that since the man held a policy from the company in which it had warranted that the cigars were insurable, and also guaranteed that it would insure the cigars against fire, without defining what it considered to be "unacceptable fire," it was obligated to compensate the insured for his loss.
Rather than endure a lengthy and costly appeal process, the insurance company accepted the judge's ruling and paid the man $15,000 for the rare cigars he lost in "the fires."
After the man cashed his check, however, the insurance company had him arrested... on 24 counts of arson!
With his own insurance claim and testimony from the previous case being used as evidence against him, the man was convicted of intentionally burning the rare cigars and sentenced to 24 consecutive one year terms.

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Crazy Man

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CHAIRMAN'S COLUMN

The RBI announced its much awaited monetary policy today and as expected, has left the key rates unchanged. While this should have brought some cheer to the markets, they plunged deeper into the red not only because the RBI looks set to raise interest rates going forward, but also because the central bank has upwardly revised its target inflation by March 2010 end to 6.5% from 5% earlier. The upward bias in interest rates was apparent from the RBI's move to hike the statutory liquidity ratio (SLR) to 25% from 24%. Having said that, whether interest rates in the future rise or not will depend on whether the inflation continues to rise the way it is doing now, and the economic momentum continues to pick up pace.

Meanwhile, real estate companies are set to face some challenging times ahead. This is because the RBI has indicated its worry about rising property prices by increasing the provisioning requirement for advances to the commercial real estate sector from 0.4% to 1%. This is surely going to hit realty companies that are looking to borrow from the banks to fund their commercial real estate development plans. Not only will the RBI's SLR move action make it difficult for realty companies to get sufficient loans, the higher provisioning norms will also likely raise their interest costs on such loans.

engineering companies in India constantly win large orders and build up large order backlogs thus assuring them of revenues for anywhere between 1-3 years, or even more in some cases. What's more, they never miss a single opportunity to boast of the above fact. Consequently, the valuations that many such companies have been enjoying have been nothing short of amazing. However, even though order backlogs mean that orders have already been placed and there is a high amount of revenue visibility, what those high valuations arrogantly overlook are the inherent execution risk in a project based business.

Cost overruns, delay in financial closures, cash flow problems with customers, time overruns, problems with sub contractors, delays in getting approvals etc are just some of the potential problems that can always turn out to be just around the corner. You wouldn't have to look any further than engineering major Punj Lloyd's September 2009 quarterly results to get a taste of what we are talking about. Or even L&T's for that matter. Moral of the story? There's more to engineering companies than just large order backlogs. --

Thanks & Regards,

Ajit.N,
Area Manager, ICICI Prudential
Kothamangalam
09947060460

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Ruralmama_gladiators

HEARD MELODIES ARE SWEET THOSE
UNHEARD ARE SWEETEST

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Ruralmama Titans

NOSTALGIA

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The Incredible

The Incredible

--
Pleasy Philip
Branch Manager
Birla Sun Life Insurance, Mavelikara
Mob-9847755111

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THRIDEEP THE HALLMARK OF SUCCESS


Antony : Dear Thrideep, In the previous Financial year you were rated as one of the best AM in Pan India. What is the secret behind ur success?

Thrideep:- 100% Integrity towards Team,organisation and my Bosses.

100 % Interaction with Team,Organisation and Bosses

100% Involvement with Team,Organisation and Bosses.

I I I with 100% can bring success to all of us.

Antony : - Haripad,Thiruvalla and Attingal...How was the transition?

Thrideep: - Before I complete 2 years with I Pru,I have got the opportunity to work with 3 locations.

1st location was at Haripad-A brilliant 5 member team could manage to make max noise in the organisation and learned many good things...very importantly,”Possible is everything”.Team started firing from all cylinders since inception with the rare breed of Passionate managers ever I seen . As a result the branch was rated as No.1 SM Rural Spoke and got promoted as Area Manager.


2nd Location was at Thiruvalla and challenges were different. We do Benchmark with Tied location and proved in every business efficiencies with best knowledgeable sales force in I pru. The most importantly,all good managers were promoted and Team became consistent. Location was outstanding in all parameters even in recession period and team managed to do well. This helped us to bag the title of No.1 Area Manager branch.

3rd location ,my current assignment is at Attingal. A terrain is full of potential,once harvested well. Its my commitment to seed it again and reap well before I leave. Talented team joined in Recession period and could put lots of efforts during that period,but ended in vein. Confidence is back and started creating momentum to live up to all your expectations.

Antony :-Challenges you faced and How u overcome?

Thrideep: -My first challenge was to adapt to the culture of I Pru after spending 7 years in Cement industry and 9 months with metlife.

My urgency in career advancement made me to fit into the bill very easily.

When we drive ourselves to excel and to be the topnotcher,everyday is a challenge. The kind of passion and ownership we undertake on every action we do will help us to rule out these routine challenges.

My biggest challenge I faced was how to reach No.1....Mumbai,Delhi,Bangalore and all other metros will have more potential and then how???

I learned that,99% people believe this way and not in themselves. Only 1% believe that I can... and the competition to become No.1 is just between this 1%.

Antony: -From Together to Acme which team has come upto ur expectation level?

Thrideep: -My all 3 teams viz. Team Together-Always winning together, Team Incredible-Always setting benchmarks and Team Acme-Always believe in 99+1.

I have given 3 team names and their vision. In absolute terms all these 3 teams are very well upto my expectation level towards their vision.

Antony: - Biggest Achievement?

Thrideep: -Yet to come!

I consider all my achievements are the biggest especially, Best Madras Cements employee(2001-06), Best SM in Metlife(2006-07) Rising Star Award, Mega star award, No.1 SM-(2007-08),No.1 AM, Star Club, Super Achiever Award(2008-09),Talent Award etc(2009).

Antony: - Unforgettable event?

Thrideep: - After rated as best employee for 5 years, I could not get promotion in cement industry but once.

Antony: - Who is your strength & inspiration in life?

Thrideep: - My team and my bosses are always my strength and my father, wife and children are my inspiration.

Antony: -About your family?

Thrideep: My family consist of my father who is a Life member in Chairman's club with LIC for last 42 years -My mentor ,Dr.Uma, homeopathic physician-my better half and my dear daughter Uthra lakshmi,6 year old and dear son-Deep Narayan, one year old.

Antony: - Your dream?

Thrideep: I believe in career. I look forward myself reaching to the highest responsible level of a corporate when I turn 45 years.

Once I retire from services at 50 years,I will be helping India to grow further by developing my own idea into services and revenue.

Antony: - Something about Rural Mama?

Thrideep: - I thank Rural mama and its soul, Antony Rebeiro to establish this as a medium to exchange our ideas, share our feelings and value our relationships.

This will definitely become a sure bet in the category of its own in the days to come.

I assure you the best support of mine to Rural mama and keen to watch each lively columns.

Wishing all rural mamas fabulous days ahead!
Thanks a lot Thrideep for your most valuable time and for sharing the secrets of success to Rural Mama. May God Bless you and your Family tremendously.
For Rural Mama
Antony Rebeiro.






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Congrats Sreekandan

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Team Phoenix



--
Pleasy Philip
Mob-9847755111

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COFFEE WITH BEJOY























Padmanand:You are the most energetic, lovable & jovial person I have ever met in ICICI. U are always there in the midst of all fun happening in and around. What makes you so? Is it just BE
JOY?
Bejoy: Life is how you take it .... U decide how to live your life ....I Enjoy
my Life so Iam BE JOY !!!!
Padmanand: Heard that from underwriting (bachelor) u are changing into overwriting (Marriage) ? What are your expectations?
Bejoy: Never set expectation , as you will be sad if expectations are not
met. For me there is a very small diffrance between Marriage and Mirage !!!
Padmanand: What could be the logic behind a drunkard deciding the life coverage of a person who drink just 2 pegs daily?
Bejoy: Simple : Domain Knowledge
Padmanand: If ur would be demands STOP DRINKING, which brand will u choose to have the last peg?
Bejoy: Till now she has not asked !!! But If ..... Might me a " MALIBU "
Padmanand: As a dedidated ICICI Employee, Where are you going to invest your Dowry ?
Bejoy: Sorry dude No Dowry !!! Iam still Bank rupt !!!!and will remain so
Padmanand: What could be the first LIE, you will tell your wife on your first night?
Bejoy: I will tell you the truth !!!!
Padmanand: Any Unforgettable events in ur life?
Bejoy:Lotz and Lotz ...My 1st Date .....My First day in College, Ipru
everything is a memorable 1 ...... In future it can even be my marriage date
Padmanand: If not Insurance what would be ur next option of Job?
Bejoy: Financial Industry - Bank , BPO etc
Padmanand: Something about ur Personal Life?
Bejoy: Bacardi, Romino, JDF, 8 pm, Jawan, Mansion House, Honey Bee,
etc
Padmanand: Ur Message for Rural Mama?
Bejoy: Keep up the TEAM SPIRIT !!!!

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Team Nurture - Thiruvalla


--
Pleasy Philip
Branch Manager
Birla Sun Life Insurance, Mavelikara
Mob-9847755111

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Team Thiruvalla


--
Pleasy Philip
Branch Manager
Birla Sun Life Insurance, Mavelikara
Mob-9847755111

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Pleasant Pleasy


Antony: Dear Pleasy your name sounds very interesting, any significant reason for this name?
Pleasy: I was named on the pleasant nature that is me. One of the most beautiful names people comes across. I owe it to my mother... and the name has taken shape in me.

I was named well before I was born, when my parents attended a Christian Charity Convention in Calcutta on the way from Nagaland when my mother was deeply moved by the preaching of a certain Russian Christian Missionary whose name she understood as Pleasy... so she thought... boy or girl the name is Pleasy... and here I am.


Antony: How about your new role as Branch Manager?
Pleasy: 'When a man opens the door of his car for a woman, you can be sure of one thing: either the car is new or the woman is.'

It is a welcome change for me, which I had wanted. A great level of learning I had from my experience as a member of the Rural Team - Team Nurture where I got nurtured as a team player and as at Team Thiruvalla we basically adopted the strategy of the Musketeers - 'One for All... All for One'.

The metamorphosis comes naturally to those who were part of Team Nurture... coz we were nurtured to rival the war veterans. There are misgivings here and there though, I love this game and we will emerge triumphant as the Leading Team. We have a wonderful team in, Mavelikara.

Antony: From Front Line to Middle Management, what difference you feel in terms of work pressure, job satisfaction, monetary benefits and status?
Pleasy: Work pressure is more. 'Mumpu swanthamayittu theri kettu, ippo ellavarkkum vendi theri kelkunnu...' that’s the difference. Job satisfaction is more when your team achieves together. I am in the learning state though, newly married to middle management has to go a long way and understand, accept and move with the challenges of the new role.

Monetary benefits are like the 'Economics of Marriage... you get paid big time for a life time of...’ Just joking... It is good and steady.

Status... I look at the change as a further step towards a long career. I love the job and enjoy it. There is dignity in every role you play when you play it ethically keeping faith in the core values you are nurtured in.


Antony: What is the most important thing you learned as a Unit Manager, now effectively practicing as a Branch Manager?
Pleasy: It’s Team Work - A successful team beats with one heart. Teamwork divides the task and doubles the success. Coming together is a beginning. Keeping together is progress. Working together is success.

We in Team Rural Thiruvalla understood the importance of sticking together and patting each other’s back on achievement, supporting when there is trouble, helping out in times of need. Partying it out when we together achieve. Everything we stood up as One was for the Togetherness... Oneness. We were One for All... All for one.

That’s the one thing I am whole heartedly practicing in my new role. We need to preach and practice that dividing is easy but Teaming Up is time enduring - but lasts a life time.

Antony: What future do you see in Insurance?
Pleasy: Insurance in India has a greater future. It’s just the beginning. With only 0.2% of the population is covered under Mediclaim and just about 24% of the insurable population is insured so far, there is a long way to go. Insurance has not yet reached the rural population in realistic terms. Need specific insurance in a broader spectrum is yet to happen. There is a huge need and potential for Wage Insurance in India where lots of job displacements happen often. The industry is yet to mature and grow. With FDI being raised to 49% in Indian Insurance, lots are yet to happen.

Antony: What was your biggest achievement in life?
Pleasy: My friends - my biggest assets. Friends who stands by in happiness and sorrows alike. They are the ones who will let you be yourselves; they stand up to your anger, your shortcomings and still love you.

Antony: Something about your family?
Pleasy: My parents are both retired Govt. Servants from Nagaland Civil Secretariat. After retirement they are running a School and a Goat Farm in Thiruvalla. Father was also adjourned ‘Mikacha Karshakan in Pathanamthitta District' for his mixed crop farming in Pathanamthitta Dist this year.

My wife is a Math teacher with BCRS, Thiruvalla, we have two wonderful kids. Son is 3 and daughter is 2yrs old.

Antony: Your biggest dream in life?
Pleasy : I have many dreams and most of them are big…
To see our grandchildren being successfully nurtured and raised by our kids.
To travel across all the continents with my family.
To maximize my share holdings to reach the target set by me.
To expand and continue my father’s school and farm in Kerala as well as in Tamil Nadu which will keep me busy post retirement... and many many more...

Antony: Your role model?
Pleasy : Warren Buffet, who says -
Only buy something that you'd be perfectly happy to hold if the market shut down for 10 years;
The business schools reward difficult complex behavior more than simple behavior, but simple behavior is more effective;
Wide diversification is only required when investors do not understand what they are doing;
You only have to do a very few things right in your life so long as you don't do too many things wrong.

Antony : Your message to Rural Mama?
Pleasy : It’s a great initiative. Special thanks to Antony for considering me for this piece of interview. Let’s be together as One forever. Let’s think about getting together as well. Let’s bring in more and more ideas and power to Rural Mama. I'll be there with you always. All for trust and friendship. ‘The beats of friendship.’

Pleasy Philip
Mob-9847755111
Thankyou very much Pleasy for sharing your valuable time with RURAL MAMA. May God Bless you and your family with Peace and Happiness.

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ART OF SUMESH

Antony: After the merging of Rural & Tied, what are the advantages & disadvantages in your Official life?
Sumesh: Was able to understand more about them and also able to maintain a good relationship with them and as disadvantage Several good personals were lost.

Antony: Heard that you are involved in Aerobics & Art Living. What Changes do you expect in life?
Sumesh: From the outside vision, it would look like a dance with girls, but personally speaking it gives more energy which makes our body fit, which attracted more people from IPRU to join it.
Art of living gives tension free and peace of mind which I expect to make my life more enjoyable.

Antony: What about your resemblance with Atlas Ramachandran?
Sumesh: I became more famous as knowing as Atlas which I feel is a good reputation to make him my role model, when compared to others nicknames.

Antony: Great answer Sumesh, to the people who make fun of you….really I like it.

Antony: Ok. Can I know your biggest Dream in Life?
Sumesh: To build my dream house and a trip to Singapore with my family and friends.

Antony: Any Unforgettable Events in Life:
Sumesh: My marriage, My son's first Birthday.

Antony: What is your Greatest Achievement in life?
Sumesh: I started earning money without depending others from my 21st age.

Antony: Who is your Role Model in Life?
Sumesh : My father and my Bosses.

Antony : Something about your Family?
Sumesh: I am happily married to Sullu and have one child Omkar and I wish I could lead a happy life with them.

Antony: Are you successful in Life?
Sumesh: Ofcourse I am.

Antony: Your Opinion and Message for Rural Mama?
Sumesh: I wish this site to be an icon which could attract more people and to maintain good relationship amongst its members. I would also like to specially congratulate Manjith and Tony for taking initiative in creating this valuable blogsite. Always keep in touch with every members. ..............Thanks............

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HOw To Tie a Tie

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Modern Maths Of Life


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Disco Biker

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SLAM DUNK

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Funny Clips

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New Car

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Pappettanodu Chodikkam


Antony: Dear Pappetta, You are the favourite of all rural mama members? Why?
Anand: May be my straight forwardness. (Areyum pattikkan thalparyam illatha manassu)

Antony: You are famous in controversial mails to bosses. Why is it so?
Anand: I never feel I have done something like that. It is all your misunderstanding.

Antony: Are you sometimes notorious?
Anand: Whoever knows me well will not say that and if said, he doesn’t know the meaning of NOTORIOUS.

Antony: What is your biggest aim?
Anand: grow in my career. Live a long happy life. Be a GOOD husband to my loving wife & THE BEST Father to my son.

Antony: Your greatest achievement?
Anand: To be a member of RURAL MAMA team. The never ending journey of friendship.

Antony: Your knowledge is always rated high. How do you differentiate yourself from others regarding this?
Anand: I never felt that. I like to learn everything. I am not somebody great to differentiate myself with others.

Antony: Where do you see yourself after 5 years?
Anand: Living happily with my family & having fun like this with rural mama friends.

Antony: Your role model in life and profession.
Anand: of course my family and my bosses with whom I have worked so long in various industries.

Antony: In your opinion who is an ideal unit manager?
Anand: on who works with passion & dedication towards himself, his family & his company & not having a cheating mentality.

Antony: Your message to rural mama members.
Anand: Always keep in touch with everybody to share the views and suggestions from everybody.

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Focusing your life solely on making a buck shows a poverty of ambition. It asks too little of yourself. And it will leave you unfulfilled.
- Barack Obama

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Tony as Tony
in
VILAPANGALKKU SESHAM
(2006)

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Here watch this…. am sure it will hurt u somewhere…..

Mother is Great




































God cannot reach everywhere...So he created Mothers on the Earth!!!



A simple, yet very expressive snap!!!!!!!!



MOTHER IS GOD'S BEST GIFT…






“”














luv luv & luv thatzzz the only thing in the world that will not perish---Padmanand P

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AJIT NALINAKSHAN SPEAKING











Boss, something about ur Childhood....
Childhood times are always the best to cherish. Being born and brought in Paradip Port Trust, Cuttack my childhood times were spent with my
oriya friends. Its was really special something which you cannot describe rather experience it. Didn't get much attention and focus from Parents
during childhood days as my one and only brother was suffering from Kidney failure which took almost 8 years of treatment to recover. Life is more
important than anything else.
How was ur School Days?
Studied at Kendriya Vidhayalaya, was not at all a bright student. Never focussed on studies was an average student, didn't like to study at all more
focus was on playgrounds but never specialised in any game.

And College Life?
Realised that Studies are more important than anything else. Concentrated more on studies but was naughty during stay at hostel. Did lot of unwanted
and unwaranted activities, but end result became a very bright student had the distinction of becoming 4th rankholder in Post Graduation (Management) at
Utkal University.

Any Unforgettable Events?
Unforgettable events are many - My PG results day, My first job with Essar Shipping, My Marriage, My first Son birth, My First Car M-800, Getting award from SBI Chairman, Getting award from Rishi Srivastava.
What were your greatest achievements?
Achv - Getting a Rank in P.G. Achieving UM-AM goal sheet in 4 months, 1.03 crore premium in June 2006 (SBI Life). Receiving Rs. 4,00,000 one cheque incentive from
SBI life, Highest rating of 5 from ICICI Pru, Best SM award from Rishi Srivastava.

Your Biggest Dream in Life?
Biggest Dream is to become like Capt B S Kumar MD Essar Shipping with an annual income of 5 crore. 5 crore possible yes it is but not with any Insurance
company. Its not a joke, I am the witness, I saw it in1999. Salary plus 2.5% net profit of the company (Net Profit of Essar Shipping was 575 cr) as per CLB.

Any Hobbies ?
Visiting holy places, doesn't sound good but for me it is.

Your Greatest Inspirations?
I get Inspiration from my bosses. To have great personality like Capt B S Kumar when I b'com 50yrs , Command like Saju Boss, Behave like Sujesh Boss,knowledge like Nazeer Boss, friendly like Rajeev Gupta (Sales Country Head, SBI Life) and My Father the Greatest Engineer.
Your Role Models ?
Capt B S Kumar, Mr P Mohan (Head-Essar) and Mr. Ravi Ruia (Chairman, ESSAR)
Your Message to Rural Mama Members
Hard work with Knowledge ways pays. Always aspire and Dream big and it becomes a reality in a funny manner

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WATCH THIS PAINTER

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COST OF A MIRACLE

A little girl went to her bedroom and pulled a glass jelly jar from its hiding place in the closet. She poured the change out on the floor and counted it carefully. Three times, even The total had to be exactly perfect. No chance here for mistakes. Carefully placing the coins back in the jar and twisting on the cap, she slipped out the back door and made her way 6 blocks to Rexall's Drug Store with the big red Indian Chief sign above the door. She waited patiently for the pharmacist to give her some attention, but he was too busy at this moment. Tess twisted her feet to make a scuffing noise. Nothing. She cleared her throat with the most disgusting sound she could muster. No good Finally she took a quarter from her jar and banged it on the glass counter. That did it! 'And what do you want?' the pharmacist asked in an annoyed tone of voice. I'm talking to my brother from Chicago whom I haven't seen in ages,' he said without waiting for a reply to his question. 'Well, I want to talk to you about my brother,' Tess answered back in the same annoyed tone. 'He's really, really sick...and I want to buy a miracle.' 'I beg your pardon?' said the pharmacist. 'His name is Andrew and he has something bad growing inside his head and my Daddy says only a miracle can save him now So how much does a miracle cost?' 'We don't sell miracles here, little girl. I'm sorry but I can't help you,' the pharmacist said, softening a little. 'Listen, I have the money to pay for it. If it isn't enough, I will get the rest. Just tell me how much it costs.' The pharmacist's brother was a well dressed man He stooped down and asked the little girl, 'What kind of a miracle does your brother need?' ' I don't know,' Tess replied with her eyes welling up. I just know he's really sick and Mommy says he needs an operation. But my Daddy can't pay for it, so I want to use my money.' 'How much do you have?' asked the man from Chicago 'One dollar and eleven cents,' Tess answered barely audibly. 'And it's all the money I have, but I can get some more if I need to.' 'Well, what a coincidence, ' smiled the man. 'A dollar and eleven cents---the exact price of a miracle for little brothers. ' He took her money in one hand and with the other hand he grasped her mitten and said 'Take me to where you live. I want to see your brother and meet your parents. Let's see if I have the miracle you need.' That well dressed man was Dr. Carlton Armstrong, a surgeon, specializing in neuro-surgery. The operation was completed free of charge and it wasn't long until Andrew was home again and doing well. Mom and Dad were happily talking about the chain of events that had led them to this place. 'That surgery,' her Mom whispered. 'was a real miracle. I wonder how much it would have cost?' Tess smiled. She knew exactly how much a miracle cost..one dollar and eleven cents....plus the faith of a little child. In our lives, we never know how many miracles we will need. A miracle is not the suspension of natural law, but the operation of a higher law. I know you'll keep the ball moving! Here it goes. Throw it back to someone who means something to you!A ball is a circle, no beginning, no end. It keeps us together like our Circle of Friends. But the treasure inside for you to see is the treasure of friendship you've granted to me. Today I pass the friendship ball to you. Pass it on to someone who is a friend to you.MY OATH TO YOU... When you are sad.....I will dry your tears. When you are scared.....I will comfort your fears. When you are worried..... I will give you hope. When you are confused.... ..I will help you cope. And when you are lost...And can't see the light, I shall be your beacon....Shining ever so bright. This is my oath.....I pledge till the end. Why you may ask?....Because you're my friend. Signed: GOD

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Ormayundo EE Mukham







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