Email OF The Day: 06/04/12

Monday, 4 June 2012

ദമ്മാം: അവധിക്ക് നാട്ടിലേക്ക് പോകാനിറങ്ങിയ തമിഴ്കുടുംബത്തെ ആക്രമിച്ച് പണവും ടിക്കറ്റും കവര്‍ന്നു. കഴിഞ്ഞ ദിവസം ദമ്മാമില്‍ അദാമ ഏരിയയിലാണ് സംഭവം. 25 വര്‍ഷമായി അല്‍ ജുമൈഅ കമ്പനിയില്‍ ജോലിചെയ്യുന്ന കന്യാകുമാരി സ്വദേശി ഖാലിദും കുടുംബവും ആണ് ആക്രമണത്തിനിരയായത്.
അവധിക്ക് നാട്ടില്‍ പോകാനായി ഫ്ളാറ്റിനു താഴെ കാറില്‍ ലഗേജുകള്‍ വെച്ച ശേഷം കുടുംബത്തെ കൂട്ടാന്‍ വീണ്ടും മുകളിലേക്ക് കയറാനൊരുങ്ങുമ്പോഴാണ് സ്വദേശികളെന്ന് കരുതുന്ന അഞ്ചോളം യുവാക്കള്‍ തടഞ്ഞു നിര്‍ത്തി കഴുത്തില്‍ കത്തിവെച്ച് കൊള്ളയടിച്ചത്. പോക്കറ്റിലുണ്ടയിരുന്ന പണവും ടിക്കറ്റുകളും അക്രമി സംഘം തട്ടിയെടുത്തു. എതിര്‍ക്കാനുള്ള ശ്രമത്തില്‍ കത്തികൊണ്ട് നെറ്റിയില്‍ മുറിവേല്‍ക്കുകയും ചെയ്തു. ഭര്‍ത്താവിനെ കാണാതെ കുഞ്ഞുമായി താഴേക്ക് വന്ന ഭാര്യ നിലവിളിച്ചതോടെ അക്രമികള്‍ ഓടി മറഞ്ഞു. ഉടന്‍ പൊലീസെത്തി തെളിവുകള്‍ ശേഖരിച്ചു അന്വേഷണം നടത്തിയെങ്കിലും ആരെയും പിടികൂടാനായില്ല. ആംബുലന്‍സ് എത്തിയെങ്കിലും എയര്‍പോര്‍ട്ടിലേക്ക് പോകേണ്ടതിനാല്‍ ഇദ്ദേഹത്തിന് പ്രാഥമിക ശുശ്രുഷകള്‍ നല്‍കി വിട്ടയച്ചു.പാസ്പോര്‍ട്ടും മറ്റും ഭാര്യയുടെ ബാഗിലായിരുന്നതിനാല്‍ നഷ്ടമായില്ല. ഇ ടിക്കറ്റായതിനാല്‍ തടസ്സം കൂടാതെ യാത്ര ചെയ്യാനുമായി. ഇതിനു തൊട്ടടുത്ത് തന്നെയുള്ള ഫ്ളാറ്റില്‍ ദിവസങ്ങള്‍ക്ക് മുമ്പ് പൂട്ടുപൊളിച്ച് അകത്ത് കടന്ന സംഘം ലാപ്ടോപ്പും പണവും കവര്‍ന്നിരുന്നു.

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[www.keralites.net] CRAZY GIFT IDEAS

1. Squirrel Feet Earrings

2. Einstein Watch

3. Fetus Shaped Cookie Cutters

4. Instakilt

5. Mirror Wiper

6. Gun Alarm Clock

7. Underwear for Two

8. Knitted Frog Dissection

9. Dead Rat Thong

10. Minor Miracle Mug

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MUST READ -- HOW BANKS CHEAT!

Mis-selling: Banker's dozen
Moneylife Digital Team

Mis-selling by banks is sparing no one

There was a time when, a banker's word was a banker's bond. Bankers were modest, careful and decent people and customers could entrust their savings to them. A fiduciary relationship was strictly followed and the clients' best interests were safeguarded. However, things have changed rapidly over the years, especially after liberalisation of the Indian economy which ushered in more private banks with a sharp focus on the bottomline, many new products (some harmful, some irrelevant), accompanied by a host of shady practices. With strong emphasis on the commission-model for generating revenues, there is now pressure among bankers to meet stiff targets. Banks moved from a simple client-centric model to a more product-centric model. By concealing the fine print which contain the most important details of a product, bankers were able to cheat and fleece customers. Bankers were able to leverage the so called 'trust' to resort to blatant mis-selling, nothing more.

Take a recent example where HSBC Bank looted even a celebrity like Suchitra Krishnamoorthi. The Bank used confidential information about the Rs3.6 crore deposits in her savings account and began to market its toxic services to her. HSBC force fed her a combination of toxic churning of the portfolio management system (PMS), insurance products 'promising' 24% returns, and pushed her into getting loans instead of withdrawing funds, without even disclosing that she was entitled to a smart loan. The end result: a direct loss of Rs83 lakh from investment, Rs29 lakh in commission to HSBC, Rs8 lakh (50% of investment) lost from an insurance policy, Rs10 lakh (again, 50% of investment) valuation decline in insurance policy still in force, Rs4.5 lakh tax paid on redemption of short-term mutual funds (including Rs1.85 lakh penalty to the income-tax department due to non-disclosure of gain by HSBC to the client) and Rs58 lakh interest on home loan earned by the bank."

Another striking example comes from the well-known HDFC Bank, where a 71 year-old customer, went to withdraw money. A mere act of just withdrawing money culminated, through hard sales pitch, into the sale of a ULIP (unit-linked insurance plan), that too issued in his wife's name, requiring a whopping Rs50,000 per year as insurance, with a minimum investment period of five years. The Bank's teller, doubling up as a hustling salesman, managed to seal the deal while concealing the finedetails.

The horror stories don't stop. A 74-year old man was sold an ICICI Prudential LifeStage Pension policy, without life insurance, by his bank relationship manager. Firstly, why would banks sell an annuity policy to a man who is already over 70 years old? Secondly, he suffered an 8% loss while surrendering the policy, and another 8% that would have accrued in a fixed deposit with compounded returns.

Bob Hope, the famous American comedian, once remarked, A bank is a place that will lend you money if you can prove you don't need it." It is sad to see that our private banks have become not just unsafe but are full of charlatans peddling dangerous products and forcing them down the customers' throats.

In the light of the financial crisis in America and the rampant mis-selling by banks in India, a new term called 'banker's dozen' was coined. A baker's dozen is when the customer receives 13 loaves of bread for the price of 12. However, a banker's dozen means that the customer receives 11 products for the price of 12. Maybe not even 11, just one! From being noble and trustworthy people, bankers have become bhayankar, as banker and author Ravi Subramanian says.

V.ANANTTHARAMAKRISHNAN
FINANCIAL PLANNER

(EX-STATE BANK OF INDIA)

PHONE:044-22246187
CELL:9381064887

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[www.keralites.net] Navy vs Marines

A Marine and a sailor were in the bar arguing over which was the superior service.

After a swig of beer, the Marine said, "We had Iwo Jima."

Arching his eyebrows, the sailor said, "We had the Battle of Midway."

"Not entirely true," the Marine said. "Some of those pilots were Marines. Henderson Field on Guadalcanal was named after a Marine pilot killed at the Battle of Midway."

Taken aback, the sailor said, "Point taken."

Then the Marine added, "We were born at Tun Tavern."

The sailor replied, "We had John Paul Jones."

The argument continued until the sailor came up with what he thought was the topper: "The Navy invented sex."

The Marine didn't blink.

"Well, that may be true," he said, "but the Marines introduced it to women."

ANYONE NOTICE THE SHOOTING BADGES ARE REVERSED? PROBABLY NOT

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[www.keralites.net] SPEED

Jennifer, a manager at a local Aldi store, had the task of hiring someone to fill a job opening.

After sorting through a stack of resumes she found four people who were equally qualified.

Jennifer decided to call the four in and ask them only one question.

Their answer would determine which of them would get the job.

The day came and as the four sat around the conference room table, Jennifer asked,
'What is the fastest thing you know of?

'The first man replied, 'A THOUGHT.' It just pops into your head. There's no warning.

'That's very good!' replied Jennifer. 'And, now you sir?', she asked the second man.

'Hmmm...let me see 'A blink! It comes and goes and you don't know that it ever happened.

A BLINK is the fastest thing I know of.

''Excellent!' said Jennifer. 'The blink of an eye, that's a very popular cliché for speed.
'She then turned to the third man, who was contemplating his reply.

'Well, out at my dad's property, you step out of the house and on the wall there's a light switch.
When you flip that switch, way out across the pasture the light on the barn comes on in less than
an instant. 'Yep, TURNING ON A LIGHT is the fastest thing I can think of'

Jennifer was very impressed with the third answer and thought she had found her man.
'It 's hard to beat the speed of light,'she said.
Turning to Wally, the fourth and final man, Jennifer posed the same question.

Old Wally replied, 'After hearing the previous three answers, it's obvious to me that the fastest thing
known is DIARRHOEA.

''WHAT !?' said Jennifer, stunned by the response.

'Oh sure', said Wally. 'You see, the other day I wasn't feeling so good, and I ran for the bathroom,
but before I could THINK, BLINK, or TURN ON THE LIGHT, I had already shit myself.

'Wally is now working at a Aldi near you!

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