Email OF The Day

Friday, 10 November 2017

[www.keralites.net] TARGET PRESSURE

TARGET PRESSURE
Management to Branch Manager :
The quarterly profit of Branch reduced. What the hell you are doing in the Branch ?
Branch Manager : Sir I am working hard for the Branch.

MGT: But you have not achieved any of your TargetsBM: Sir I was behind the Targets in the beginning of the quarter.
MGT : Then why you not achieved it.
BM: Some of my loan proposals were rejected for one reason or other.
Some customers dropped the proposal with us when we raised the query.
Still some idiots are waiting expecting that they may get loan from us.
MGT: If you concentrate on Targets you should have achieved it.
BM: Sir by the time got a call from ZO to concentrate on retail loan campaign to defeat another zone.
MGT : So you opened lot of retal loan accounts.
BM : No sir. Due to Maha login I was instructed to canvass life insurance policy.
MGT: Good . You might have canvassed good no of policies.
BM: No sir I got a mail to make all accounts KYC compliant.
I was behind it.
MGT: So all your accounts are KYC compliant.
BM : No sir, I was instructed to get Health / General insurance immediately.
MGT: So you made a good other income through Health/ General insurance.
BM : No sir by the time I got mail to clear verification of title deed, clear inspection comments, staff accountability, enroll all customers to Prime Minister Schemes etc.
MGT: And you have done all these.
BM : No sir , ZO/ RO instructed me to concentrate on Writeoff / NPA.
MGT: So you have made good recovery.
BM : No sir by the time Quarter is over .
--

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Thursday, 9 November 2017

[www.keralites.net] HEALTH BENEFITS OF FLAX SEEDS

Flax seeds have many health benefits
If you want to reduce your weight or get rid of the accumulated fat in your body, you'll inevitably hear Besihh seeds hacks such as quinoa and shea and linen.
Flax seeds are many health benefits including the prevention of heart disease, cholesterol and cancer, but its benefits on fitness is a treasure in itself.
Once you join this magical and delicious seeds to your diet , you'll be able to slimming your body without effort, through the following means:
A feeling of fullness:
Rich in fiber and contain a low percentage of carbohydrates or sugars, these seeds also contain a resin help you in the stomach feeling of fullness. Eat two tablespoons or 3 tablespoons of boiling water with these seeds half an hour before eating food meal, and you will feel fuller and therefore will not Taatmkny from excessive eating.
Lose weight:
Flax seeds contain a low - calorie, paid higher food and health where fat ratio. It is also rich in amino acids and omega - 3 as well as vitamins E and C, selenium, zinc and copper, which makes them fight fat accumulated in the lower abdomen, upper thighs, under the rear area and in the inner knee area.
Fight against cellulite:
Oil extracted from these seeds can resist cellulite and limit its spread so Odreign within your diet. You can add flaxseed flour and meal to your breakfast with milk or juice, because it helps your skin to produce collagen and thus fights the appearance of cellu lite.

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Wednesday, 8 November 2017

[www.keralites.net] GOLD JEWELLERY SCAM IN INDIA

Gold Jewelry Scam in India; Be Very Careful,

How Jewelers Cheat Customers
During my childhood days, one of my dad's friends was a Jeweler.
Whenever we used to go for Jewelry purchase, I used to pity on him as i used to think that how this poor chap earn his living. He used to sell gold at market rate i.e. same rate at which he has bought. Now I pity on my thought process as the same poor chap is now richest person of town.
In my opinion, Jewelry purchase is the only domain where females don't bargain at all and women can be cheated easily. I have closely
observed purchase cycle and found out many loopholes in entire chain.
It's very high margin business and customer can be easily fooled to the extent of 35%-40% of total sale value (Which is clean profit margin for jeweler). In my opinion, its not cheating but a fraud in broad daylight. Let's discuss these points in details.
1. Making Charges: The biggest culprit among all. Jewelers can charge making charges up to 40% of sale value. The sale and purchase of Jewelry is a mind game. The Jewelers play with the mind of the customers especially females. This is the smartest trick of any trade. If you have observed closely then most of the salesmen try to convince
accompanying female member specially in real estate and jewelry purchase. Once they gauge the mind then price is being quoted. You
will never find price mentioned on any of jewels unit. Instead of price, some code is being mentioned so jewelry price is not
standardized. Some time back, I visited one of the reputed Jewelers with pan India presence. He quoted price of necklace as 1 Lac Rs. when
I asked him price breakup, he became uncomfortable and told me that no
one ask for breakup. He was trying to show that as if I am some idiot who has come for jewelry purchase for the 1st time. When i insisted, he
gave break up as 70k is value of gold and 30k is making charges. He pitched that making charges are just 30% of this beautiful necklace
but way to look at it is that for 70k asset you are paying 30k making charges i.e. approx 43%. Now you can image the extent of cheating.
2. Gold Purity: The purity of Gold is measured in carat. 24 Carat is purest form of Gold available but you cannot make any jewelry from 24 Carat Gold. 24 Carat Gold can be held only in the form of gold coin or gold brick. 18 Carat Gold means that it contains 18 part of Gold and 6 part of another metal i.e. 75% purity. Purest form of jewellery
is 22 Carat. The Hallmark gold contain Gold Purity seal but to value conscious customers, Jeweler pitch low carat gold and charge high.
Reason for this is customer has particular budget in mind and jeweler try to fit customer's requirement in customers budget with low carat
gold. In this bargain, he cheat customer on Gold Purity. In small towns, still the Jeweler's word is final on Gold purity. They sell 18
Carat gold and charge for 22 carat gold. The oral guarantee of Jeweler in small towns is biggest guarantee for customer.
3. You are Paying Gold Rate for Ordinary Stones: Any piece of jewelry is incomplete without colorful stones. When you are buying
this jewelry piece then jeweler weigh the entire piece and charge @ Gold Price but have you thought that you are paying the price of Gold
for ordinary stones costing few hundred bucks embedded in jewelry.
If you go for exchange of same piece then jeweler will deduct the weight of stones as impurity from total value. Assuming these stones weigh 10% of total weight then at the time of purchase, you are paying 10% extra and at the time of sale, you will get 10% less value. It's a double loss for customer.
4. Wastage: Normally Jewelers charge 5%-7% of total gold weight as wastage during making. It is different from making charges and it implies the qty of gold wasted during making. Trust me not even a single gram gold is wasted during making as Gold can be melted and used again.
5. Jewelry Cleaning: This is complementary service from Jewelers and as customer we thank Jeweler that he is such a nice human being
that he is cleaning jewelry for FREE....Friends, there are no free lunches in this world. For cleaning gold jewelry, the jeweler put
the jewelry in one solution which is basically acid. Whenever gold is put in this acid then gold particles are dissolved in this acid. If you weigh the jewelry before and after cleaning then you will
observe the difference of a gram or few fraction of same. So if jeweler is cleaning 100 pieces in a month then he can easily extract 60-70 gram gold from acid solution which will cost approx 2 Lac today.
6. Converting Gold Coins to Jewelry: Many people invest in form of Gold Coins from bank or jeweler. If you are selling Gold Coins back to jeweler from whom you bought the same then you will get complete value. But if u are selling or converting Gold Coins purchased from bank to jeweler then no one will buy at market rate. Despite being of
24 carat purity gold coins of banks are accepted @ 20% to 25% discount by Jewelers. Gold coins of other Jeweller's are accepted at 5%-10%
discount. Its a heavy loss for customer and nothing less then cheating.
7. Under Valuation of Gold Jewelry: If you buy any gold jewelry worth 1 Lac today then i can bet and give it in writing that no other jeweler will value the same more then 95k at same gold rate same day.
Jewelers tend to undervalue the jewelry purchased from other Jeweler.
I hope that this article will be useful for readers to make informed and correct decision while buying Gold jewelry. You cannot avoid 100% cheating but can minimize the extent of loss by questioning the
jeweler regarding pricing.

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[www.keralites.net] SUGAR CAN DO LOT MORE THAN JUST SWEETEN!

Sugar Can Do a Lot More than Just Sweeten!

Besides been the material we love to taste the most, sugar can help out with plenty of other things, and is always worth having around the house. We've collected a few of these uses for you to learn about - you'll never think of sugar as just a sweetener again!

uses for sugar
1. Calming babies:

Studies in Pediatrics show that babies who have been given a solution containing one spoon of sugar and four glasses of water before being vaccinated reacted more calmly to shots than those who didn't.

2. Treating wounds:

A pinch of sugar may help heal many types of wounds. Among them: Pressure wounds, ulcers and cuts. All you need to do is pour a little sugar on the wound and it will kill all the bacteria in the area and even relieve local chronic pain.

3. Treating a burnt tongue:

Sipping too quickly from a scolding coffee cup, biting into a steaming pizza, it's easy to burn your tongue, and that feeling isn't very pleasant. In order to alleviate this uncomfortable feeling, put a little sugar on the burnt area.

4. Body peeling:

Due to its rough texture, sugar can be used as a perfect peeling agent and offer great aid in your grooming routine. A simple peel can be made by mixing sugar with different kinds of oil (Canola, almond, jojoba or olive), as well as add essential oils to the mix or some vanilla abstract to upgrade the scent. An addition of vitamins in the form of a banana will help, and you can mash it and combine with three spoons of sugar and one of olive oil to create the peeling.

uses for sugar

5. Cleaning dirty hands:

When the hands are very dirty (from color or grease, for instance), you can use sugar to remove the hard stains. The sugar will be added to soap foam and give it a good rub.

6. Nourishing the lips:

Mixing a little jojoba oil with olive oil with a drop of sugar powder and the mint or vanilla extract can create a natural moisturizing cream that's both intensive and extremely efficient at nourishing your lips. Smear some of it on your lips and gently rub.

lips

Also, if you want your lips to look better with lipstick on, just put a nice amount of sugar on the lips and allow it to absorb for several minutes.

7. Terminating pests:

If the roots of your garden plants are full of worms, you'll probably be happy to find out they can be killed using sugar. Bury 5 kilos of sugar for each 250 meter square of land, and wait patiently - the sugar will naturally kill all the worms.

Sugar can also be used to capture and kill other pests. To catch annoying flies, create a mixture of equal amounts of honey, sugar and water and boil it in a pot while stirring. Then take a square of sticky paper and create a hole on one end. Pour the mixture, after it cools, on the sticky side of the square and hang it on the wall with a string. The flies will go for the honey and stick to your smart trap.

To get rid of cockroaches, put equal amounts of sugar and baking powder near their hideouts. The sugar will draw them in while the baking powder will kill them.

8. Nourishing the roots of your flowers:

To give a better look to your home flower patch, you can use three teaspoons of sugar with two tablespoons of white vinegar for each liter of water we give them. The sugar will help nourish the stems while the vinegar will prevent bacteria from growing.

9. Cleaning grass stains:

Make a mixture from hot water and sugar and smear on clothes with grass stains. Allow it to soak into the clothes for about an hour or a bit more (depending on how covered it is in the stains), and then put in the laundry as usual.

10. Keeping food fresh:

If you put a cake or cookies in a sealed container in which a few sugar cubes are places, they will keep fresh for longer. Same goes for cheese.