rUrAlMaMa

In 2002-03 the Per Capita Income in India was Rs 19040.
In2003-04 the Per Capita Income in India was Rs 20989.
In2004-05 the Per Capita Income in India was Rs 23241.
In2008-2009 the Per Capita Income in India was37490.
GDP at factor cost at constant (1999-2000) prices in the year 2008-2009 is likely to attain a level of Rs 3351653.India achieved a growth rate of 7.1 per cent in 2008-2009.
Agriculture, forestry and fishing had a combined growth rate of 2.6 per cent during 2008-2009
Industry had growth rate of 3.4 per cent during 2008-2009
Service sector had a growth rate of 10.3 per cent during 2008-2009
Inspite of the global meltdown, India has performed well in comparison to the rest of the world.

India is the world's largest, oldest, continuous civilization.
India never invaded any country in her last 10000 years of history.
India is the world's largest democracy.
Varanasi, also known as Benares, was called "the ancient city" when Lord Buddha visited it in 500 B.C.E, and is the oldest, continuously inhabited city in the world today.
India invented the Number System. Zero was invented by Aryabhatta.
The World's first university was established in Takshashila in 700BC. More than 10,500 students from all over the world studied more than 60 subjects. The University of Nalanda built in the 4th century BC was one of the greatest achievements of ancient India in the field of education.
Sanskrit is the mother of all the European languages. Sanskrit is the most suitable language for computer software - a report in Forbes magazine, July 1987.
Ayurveda is the earliest school of medicine known to humans. Charaka, the father of medicine consolidated Ayurveda 2500 years ago. Today Ayurveda is fast regaining its rightful place in our civilization.
Although modern images of India often show poverty and lack of development, India was the richest country on earth until the time of British invasion in the early 17th Century. Christopher Columbus was attracted by India's wealth.
The art of Navigation was bornin the river Sindhu 6000 years ago. The very word Navigation is derived from the Sanskrit word NAVGATIH. The word navy is also derived from Sanskrit 'Nou'.
Bhaskaracharya calculated the time taken by the earth to orbit the sun hundreds of years before the astronomer Smart. Time taken by earth to orbit the sun: (5th century) 365.258756484 days.
The value of pi was first calculated by Budhayana, and he explained the concept of what is known as the Pythagorean Theorem. He discovered this in the 6th century long before the European mathematicians.
Algebra, trigonometry and calculus came from India. Quadratic equations were by Sridharacharya in the 11th century. The largest numbers the Greeks and the Romans used were 106 whereas Hindus used numbers as big as 10**53(10 to the power of 53) with specific names as early as 5000 BCE during the Vedic period. Even today, the largest used number is Tera 10**12(10 to the power of 12).
IEEE has proved what has been a century old suspicion in the world scientific community that the pioneer of wireless communication was Prof. Jagdish Bose and not Marconi.
The earliest reservoir and dam for irrigation was built in Saurashtra.
According to Saka King Rudradaman I of 150 CE a beautiful lake called Sudarshana was constructed on the hills of Raivataka during Chandragupta Maurya's time.
Chess (Shataranja or AshtaPada) was invented in India.
Sushruta is the father of surgery. 2600 years ago he and health scientists of his time conducted complicated surgeries like cesareans, cataract, artificial limbs, fractures, urinary stones and even plastic surgery and brain surgery. Usage of anesthesia was well known in ancient India. Over 125 surgical equipment were used. Deep knowledge of anatomy, physiology, etiology, embryology, digestion, metabolism, genetics and immunity is also found in many texts.
When many cultures were only nomadic forest dwellers over 5000 years ago, Indians established Harappan culture in Sindhu Valley (Indus Valley Civilization).
The four religions born in India, Hinduism, Buddhism, Jainism, and Sikhism, are followed by 25% of the world's population.
The place value system, the decimal system was developed in India in 100 BC.
India is one of the few countries in the World, which gained independence without violence.
India has the second largest pool of Scientists and Engineers in the World.
India is the largest English speaking nation in the world.
India is the only country other than US and Japan, to have built a super computer indigenously.
Famous Quotes on India (by non-Indians)
Albert Einstein said: We owe a lot to the Indians, who taught us how to count, without which no worthwhile scientific discovery could have been made.
Mark Twain said: India is, the cradle of the human race, the birthplace of human speech, the mother of history, the grandmother of legend, and the great grand mother of tradition. Our most valuable and most instructive materials in the history of man are treasured up in India only.
French scholar Romain Rolland said: If there is one place on the face of earth where all the dreams of living men have found a home from the very earliest days when man began the dream of existence, it is India.
Hu Shih, former Ambassador of China to USA said: India conquered and dominated China culturally for 20 centuries without ever having to send a single soldier across her border.
Facts to make every Indian proud
Q. Who is the co-founder of Sun Microsystems?A. Vinod Khosla
Q. Who is the creator of Pentium chip (needs no introduction as 90% of thetoday's computers run on it)?A. Vinod Dahm
Q. Who is the third richest man on the world?A. According to the latest report on Fortune Magazine, it is Aziz Premji,who is the CEO of Wipro Industries. The Sultan of Brunei is at 6thposition now.
Q. Who is the founder and creator of Hotmail (Hotmail is world's No.1 webbased email program)?A. Sabeer Bhatia
Q. Who is the president of AT & T-Bell Labs (AT & T-Bell Labs is the creatorof program languages such as C, C++, Unix to name a few)?A. Arun Netravalli
Q. Who is the GM of Hewlett Packard?A. Rajiv Gupta
Q. Who is the new MTD (Microsoft Testing Director) of Windows 2000,responsible to iron out all initial problems?A. Sanjay Tejwrika
Q. Who are the Chief Executives of CitiBank, Mckensey & Stanchart?A. Victor Menezes, Rajat Gupta, and Rana Talwar.We Indians are the wealthiest among all ethnic groups in America, evenfaring better than the whites and the natives.
There are 3.22 millions of Indians in USA (1.5% of population). ,

Insurable Interest: Life Insurance

1. Each individual has an unlimited insurable interest in his or her own life, and therefore can select anyone as a beneficiary.

2. Parent and child, husband and wife, brother and sister have an insurable interest in each other because of blood or marriage.

3. Creditor-debtor relationships give rise to an insurable interest. The creditor can be the beneficiary for the amount of the outstanding loan, with the face value decreasing in proportion to the decline in the outstanding loan amount.

4. Business relationships give rise to an insurable interest. An employee may insure the life of an employer, and an employer may insure the life of an employee.

Insurable interest must exist at the inception of the contract, not necessarily at the time of loss. For example, because a woman has an insurable interest in the life of her fiance, she purchases an insurance policy on his life. Even if the relationship is terminated, as long as she continues to pay the premiums she will be able to collect the death benefit under the policy.

BY mannjit

Usually feared, sometimes ignored, objections are going to come your way. If you’re properly trained on handling objections the RIGHT way, you’ll know longer have an issue with them.
The Two Ways to Beat Objections!
There are two fundamental strategies to deal with or ‘beat’ objections: 1) “Pre-beating” the objection(s) or 2) “Post-beating” the objection(s)
Pre-Beating Objections
Without a doubt, the BEST way to handle objections any EVERY CASE is to bring the potential or ‘most likely’ objections up FIRST in your presentation. Most sales people will tell you that they normally receive the same types of objections, and our sales cycle automatically is built to deal with the Qualifying and Procrastination which will usually surface in EVERY sales presentation.
The psychology of bringing up the objection first is that through my experience, WHOEVER BRINGS UP THE OBJECTION FIRST USUALLY WINS! I can’t honestly say why this is true, but IT WORKS time and time again. Let’s use a non-sales related example. If you’re on a trip with your spouse or a friend, and you know he or she doesn’t necessarily like talk shows on the radio, then you can handle this two ways. First, you can go ahead and dial the Rush Limbaugh show and watch as your partner starts to exhibit disgruntlement, or two, you can ‘pre-beat’ this disgruntlement or objection by bringing it up first by saying, “I know you might be in the mood for music, but if you don’t mind, I’d really appreciate it if you could find it in your heart of hearts to let me listen to Rush for a little while. It will help keep me awake. You could even take a nap if you want, then I PROMISE, later, you can have complete control of the dial!” Now, by bringing it up first, what’s your partner going to say! Unless his or her ‘will’ is so great that they steam-roll you, you have a GREAT chance of proceeding to listen to Rush without meeting much or any resistance!
This is EXACTLY how it works in sales too!
If your product is high-priced, BRING IT UP FIRST! “Joe, I know we’re not the cheapest out there! But like Terry was telling me at ABC company, you know there are obvious reasons why you wouldn’t want to settle on the cheapest thing in the world! You get what you pay for!”
If the economy is bad, “You know Joe, I was talking to Terry about how the economy’s been sluggish, which is why she chose to move forward with this now, since interest rates are flexible and she thought that having the XYZ product would give her a competitive edge while all her competitors have slithered into their ‘safety cave.’!
Whatever the common objections you normally receive, don’t be hesitate to BRING THEM UP FIRST! In fact, at our company, we even built a ‘mini-sales talk’ to handle about 10 of the most common objections within a 45 to 60 second timeinterval- for example:
“You know Joe, there are probably five or six reasons Terry, Bob, and Mike all went forward with our XYZ product. First of all, they all wanted to invest in a product that would last, and that was backed up with by a great company! So sure, we’re not the cheapest, but hey, you get what you pay for! Especially in these tougher economic times- Terry was telling me how now was probably the best time to move forward while rates are low. And she felt now was the time to move forward while all her competitors were living in fear! Another reason I’m doing well is that the XYZ is built for small to medium sized companies! I guess the larger company’s sometime miss out on great products like this! Then there’s always the fact that companies like Terry’s really enjoy investing in products now to save them a ton of time later, even though it might mean an investment in time and training. And finally, everyone’s telling me that their customers will really enjoy having the benefit of utilizing a product like XYZ, especially in smaller communities like yours!
In the above example, I just ‘pre-beat 4 or 5 major objections!
The two biggest objections that our sales cycle automatically attempts to pre-beat are the two BIGGEST SALES KILLERS OF ALL TIME: 1) Qualifying your decision maker, and 2) pre-beating the procrastination objection or ‘de-procrastinating your decision maker.’ If you don’t MAKE SURE you deal with these upfront, they almost ALWAYS come back to get you! (see Presentation- Qualifying and Procrastination.)
You can even ‘pre-beat’ small objections on the fly like, “I know your busy Ted, but…” or “I know you just purchased a similar item like this last year but…” or to the secretary, “I know Mr. Smith never sees sales people, but….”
Now everyone gets ‘burnt’ by objections brought up ‘after the fact,’ and nobody’s perfect enough to ‘pre-beat’ EVERY objection in EVERY presentation. So when someone brings up an objection that you weren’t expecting, you still have a shot!
Post-Beating Objections
When someone brings up an objection that you hadn’t previously covered, all you have to do is use ‘Feel, Felt, Found’ to give you a shot at ‘post-beating the objection
Feel, Felt, Found
Here’s how it works. Once someone brings up the objection, use third-person selling to ‘post-beat’ it! Using our radio example from earlier, say you go ahead and put Rush Limbaugh on the radio and your friend says, “Come on, you know I don’t like talk radio.” Instead of saying, “O.K.,” try this: “Well Mike, I know how you FEEL, another friend of mine, Terry, doesn’t really like talk radio either. But what Terry found was by letting me listen to my show, it really helped me stay awake, and besides- she actually started to not mind the talk show stuff so much!”
Another example. Say your prospect brings up the price objection after the fact and says, “Bill, I really like the XYZ, but it seems to be a pretty expensive item.” You can then say, “ Mike, I know how you feel. Terry over at ABC FELT the same way. But when she really started thinking about it, she FOUND that in the long run, it more than paid for itself when you consider ‘down-time,’ replacement parts for CHEAP units, and the possibility of working with a company that sells cheaper stuff- ARE THEY REALLY GOING TO BACK UP THEIR PRODUCTS? Like Terry said, I guess you get what you pay for!”
Now, obviously the feel, felt, found method is not as strong as pre-beating the objections to begin with, and you have to make certain that you have name-based rapport that makes sense to your prospect. And NEVER mislead or lie to your prospect. (We also discuss in other parts of this manual the issue of confidentiality- use your head!)
But at least now you know about the two standard ways to handle objections, all you have to do is give them a try. YOU’LL DEFINITELY LIKE THE RESULTS!

*CONGRATULATIONS SUMESH CHANDRAN