Dear Kalpeshbhai,
This is with much regret that my own relative and esteemed client has chosen to renew the chola car policy thru broker 2005141878160002 of Mulund . This same party was a client of other insurer but I coxed and convineced him to come to chola fold. However as a reward Chola has snatched the client from me and thus kicked on my bread and business.
I m told there is a nexus between this broker and some one in chola. This broker gets the data of other agents of Chola and then undercuts by giving 50% discount ( where as we as dealer/ agent r getting only 40%) .
As u r aware I had done hectic follow up with u to keep this client with me but I lost him because Chola is offering higher discounts to agents/ brokers related with or having connections with Chola sr. execs. I m told.
Pl. clarify why this dual policy and boost confidence of ur agents.
Thanks and Regards,
Alok Tholiya (S.E.O.),
Friday, November 27, 2009
Sunday, November 15, 2009
Marriage: Finding a match:
Marriage: Finding a match:
Basically every community had brahmin (family priest) to nai ( barber) who was a link between others . They knew inside outside of each family and would play a crucial roll in match making.
Then every joint family wud have a enthusiastic senior citizen who wud go places & find match for eligible bachelors of his family.
Now neither such dedicated institutions exists nor the youth r willing to abide by their decisions/ recommendations.
Then what? ( Exceptions r always there:)
If u r rich and handsome/ beautiful then u get chased .
If u r not having money nor looks then u r willing to compromise and adjust and get match soon.
The problem comes when u r middle class ( and they are in large number) , having good looks and r well educated and live in metros.
To get similar match becomes difficult.
So then u shud be prepared to adjust and compromise.
Here r some more tips :
1. Follow up matches/ prospects every saturday: subscribe to authentic matrimonial web site. But that is no help if u just wait apple to fall on ur lap. Every week u have to sit down and search the site and send ur interest. Follow up with the profiles u r interested in. Find the background of profiles u r interested in. Then find their close relatives and friend and take their help in the matter. This is to be done religiously every saturday and sunday. Just posting ur profile will hardly help.
2. Attend marriages: Youngsters are in best mood and looks when they r attending marriages. That is the occasion u get ready to ur best , best of make up, best of dresses, best of style etc. etc.. U really can win hearts of prince or princess while in a marriage of ur friend, community, siblings, cousins. But many youth keep away and only send parents to such occasions. While in marriage u r ready to ur best but u can't /won't get ready the same way when individually u have to for visiting family of match. Never ever miss the wadding ceremonies / similar functions if u r of marriageable age.
3. Join student/ youth wing: This is another good exposure to marriageable age youth. Most communities have their youth wing / student wing. If u r active in such group and r dynamic, impressive and talented then u will be soon apple of eye of some one. Never loose opportunity to work shoulder to shoulder with others in social -religious events .
Alok Tholiya
Relationship Consultant
Doing honorary match making work for last 10 year and has made free matrimonial web site for his community spending about a Rs 1lac. www.digambarjains.com
Basically every community had brahmin (family priest) to nai ( barber) who was a link between others . They knew inside outside of each family and would play a crucial roll in match making.
Then every joint family wud have a enthusiastic senior citizen who wud go places & find match for eligible bachelors of his family.
Now neither such dedicated institutions exists nor the youth r willing to abide by their decisions/ recommendations.
Then what? ( Exceptions r always there:)
If u r rich and handsome/ beautiful then u get chased .
If u r not having money nor looks then u r willing to compromise and adjust and get match soon.
The problem comes when u r middle class ( and they are in large number) , having good looks and r well educated and live in metros.
To get similar match becomes difficult.
So then u shud be prepared to adjust and compromise.
Here r some more tips :
1. Follow up matches/ prospects every saturday: subscribe to authentic matrimonial web site. But that is no help if u just wait apple to fall on ur lap. Every week u have to sit down and search the site and send ur interest. Follow up with the profiles u r interested in. Find the background of profiles u r interested in. Then find their close relatives and friend and take their help in the matter. This is to be done religiously every saturday and sunday. Just posting ur profile will hardly help.
2. Attend marriages: Youngsters are in best mood and looks when they r attending marriages. That is the occasion u get ready to ur best , best of make up, best of dresses, best of style etc. etc.. U really can win hearts of prince or princess while in a marriage of ur friend, community, siblings, cousins. But many youth keep away and only send parents to such occasions. While in marriage u r ready to ur best but u can't /won't get ready the same way when individually u have to for visiting family of match. Never ever miss the wadding ceremonies / similar functions if u r of marriageable age.
3. Join student/ youth wing: This is another good exposure to marriageable age youth. Most communities have their youth wing / student wing. If u r active in such group and r dynamic, impressive and talented then u will be soon apple of eye of some one. Never loose opportunity to work shoulder to shoulder with others in social -religious events .
Alok Tholiya
Relationship Consultant
Doing honorary match making work for last 10 year and has made free matrimonial web site for his community spending about a Rs 1lac. www.digambarjains.com
Friday, November 13, 2009
Check out my long cherished business plan ....Alok Tholiya
Title: Alok Tholiya Pl. vote for me.
Link: http://gotaf.socialtwist.com/redirect?l=-55640206812575969711
Link: http://gotaf.socialtwist.com/redirect?l=-55640206812575969711
Tuesday, November 10, 2009
alert for Sr. Executives, corporates
Very important article....
Are you sleeping enough?
What killed Ranjan Das and Lessons for Corporate India
A month ago, many of us heard about the sad demise of Ranjan Das from Bandra, Mumbai. Ranjan, just 42 years of age, was the CEO of SAP-Indian Subcontinent, the youngest CEO of an MNC in India. He was very active in sports, was a fitness freak and a marathon runner. It was common to see him run on Bandra's Carter Road. Just after Diwali, on 21st Oct, he returned home from his gym after a workout, collapsed with a massive heart attack and died. He is survived by his wife and two very young kids.
It was certainly a wake-up call for corporate India. However, it was even more disastrous for runners amongst us. Since Ranjan was an avid marathoner (in Feb 09, he ran Chennai Marathon at the same time some of us were running Pondicherry Marathon 180 km away), the question came as to why an exceptionally active, athletic person succumb to heart attack at 42 years of age.
Was it the stress?
A couple of you called me asking about the reasons. While Ranjan had mentioned that he faced a lot of stress, that is a common element in most of our lives. We used to think that by being fit, one can conquer the bad effects of stress. So I doubted if the cause was stress.
The Real Reason
However, everyone missed out a small line in the reports that Ranjan used to make do with 4-5 hours of sleep. This is an earlier interview of Ranjan on NDTV in the program 'Boss' Day Out':
http://connect. in.com/ranjan- das/play- video-boss- day-out-ranjan- das-of-sap- india-229111- 807ecfcf1ad96603 6c289b3ba6c376f2 530d7484. html
Here he himself admits that he would love to get more sleep (and that he was not proud of his ability to manage without sleep, contrary to what others extolled).
The Evidence
Last week, I was working with a well-known cardiologist on the subject of ‘Heart Disease caused by Lack of Sleep’. While I cannot share the video nor the slides because of confidentiality reasons, I have distilled the key points below in the hope it will save some of our lives.
Some Excerpts:
· Short sleep duration (<5 or 5-6 hours) increased risk for high BP by 350% to 500% compared to those who slept longer than 6 hours per night. Paper published in 2009.
As you know, high BP kills.
· Young people (25-49 years of age) are twice as likely to get high BP if they sleep less. Paper published in 2006.
· Individuals who slept less than 5 hours a night had a 3-fold increased risk of heart attacks. Paper published in 1999.
· Complete and partial lack of sleep increased the blood concentrations of High sensitivity C-Reactive Protein (hs-cRP), the strongest predictor of heart attacks. Even after getting adequate sleep later, the levels stayed high!!
· Just one night of sleep loss increases very toxic substances in body such as Interleukin- 6 (IL-6), Tumour Necrosis Factor-Alpha (TNF-alpha) and C-reactive protein (cRP). They increase risks of many medical conditions, including cancer, arthritis and heart disease. Paper published in 2004.
· Sleeping for <=5 hours per night leads to 39% increase in heart disease. Sleeping for <=6 hours per night leads to 18% increase in heart disease. Paper published in 2006.
Ideal Sleep
For lack of space, I cannot explain here the ideal sleep architecture. But in brief, sleep is composed of two stages: REM (Rapid Eye Movement) and non-REM. The former helps in mental consolidation while the latter helps in physical repair and rebuilding. During the night, you alternate between REM and non-REM stages 4-5 times.
The earlier part of sleep is mostly non-REM. During that period, your pituitary gland releases growth hormones that repair your body. The latter part of sleep is more and more REM type.
For you to be mentally alert during the day, the latter part of sleep is more important. No wonder when you wake up with an alarm clock after 5-6 hours of sleep, you are mentally irritable throughout the day (lack of REM sleep). And if you have slept for less than 5 hours, your body is in a complete physical mess (lack of non-REM sleep), you are tired throughout the day, moving like a zombie and your immunity is way down (I’ve been there, done that L)
Finally, as long-distance runners, you need an hour of extra sleep to repair the running related damage.
If you want to know if you are getting adequate sleep, take Epworth Sleepiness Test below.
Interpretation: Score of 0-9 is considered normal while 10 and above abnormal. Many a times, I have clocked 21 out the maximum possible 24, the only saving grace being the last situation, since I don’t like to drive (maybe, I should ask my driver to answer that line J)
In conclusion:
Barring stress control, Ranjan Das did everything right: eating proper food, exercising (marathoning!), maintaining proper weight. But he missed getting proper and adequate sleep, minimum 7 hours. In my opinion, that killed him.
If you are not getting enough sleep (7 hours), you are playing with fire, even if you have low stress.
I always took pride in my ability to work 50 hours at a stretch whenever the situation warranted. But I was so spooked after seeing the scientific evidence last week that since Saturday night, I ensure I do not even set the alarm clock under 7 hours. Now, that is a nice excuse to get some more sleep. J
Unfortunately, Ranjan Das is not alone when it comes to missing sleep. Many of us are doing exactly the same, perhaps out of ignorance. Please forward this mail to as many of your colleagues as possible, especially those who might be short-changing their sleep. If we can save even one young life because of this email, I would be the happiest person on earth.
Madhur Kotharay
madhur@alumni. princeton. edu
98200-30778
ps: Incidentally, just as human beings need 7 hours of sleep, you should know that cats need 15 hours of sleep and horses need 3 hours of it. So are you planning to be a cool cat or a dumb horse? J
Are you sleeping enough?
What killed Ranjan Das and Lessons for Corporate India
A month ago, many of us heard about the sad demise of Ranjan Das from Bandra, Mumbai. Ranjan, just 42 years of age, was the CEO of SAP-Indian Subcontinent, the youngest CEO of an MNC in India. He was very active in sports, was a fitness freak and a marathon runner. It was common to see him run on Bandra's Carter Road. Just after Diwali, on 21st Oct, he returned home from his gym after a workout, collapsed with a massive heart attack and died. He is survived by his wife and two very young kids.
It was certainly a wake-up call for corporate India. However, it was even more disastrous for runners amongst us. Since Ranjan was an avid marathoner (in Feb 09, he ran Chennai Marathon at the same time some of us were running Pondicherry Marathon 180 km away), the question came as to why an exceptionally active, athletic person succumb to heart attack at 42 years of age.
Was it the stress?
A couple of you called me asking about the reasons. While Ranjan had mentioned that he faced a lot of stress, that is a common element in most of our lives. We used to think that by being fit, one can conquer the bad effects of stress. So I doubted if the cause was stress.
The Real Reason
However, everyone missed out a small line in the reports that Ranjan used to make do with 4-5 hours of sleep. This is an earlier interview of Ranjan on NDTV in the program 'Boss' Day Out':
http://connect. in.com/ranjan- das/play- video-boss- day-out-ranjan- das-of-sap- india-229111- 807ecfcf1ad96603 6c289b3ba6c376f2 530d7484. html
Here he himself admits that he would love to get more sleep (and that he was not proud of his ability to manage without sleep, contrary to what others extolled).
The Evidence
Last week, I was working with a well-known cardiologist on the subject of ‘Heart Disease caused by Lack of Sleep’. While I cannot share the video nor the slides because of confidentiality reasons, I have distilled the key points below in the hope it will save some of our lives.
Some Excerpts:
· Short sleep duration (<5 or 5-6 hours) increased risk for high BP by 350% to 500% compared to those who slept longer than 6 hours per night. Paper published in 2009.
As you know, high BP kills.
· Young people (25-49 years of age) are twice as likely to get high BP if they sleep less. Paper published in 2006.
· Individuals who slept less than 5 hours a night had a 3-fold increased risk of heart attacks. Paper published in 1999.
· Complete and partial lack of sleep increased the blood concentrations of High sensitivity C-Reactive Protein (hs-cRP), the strongest predictor of heart attacks. Even after getting adequate sleep later, the levels stayed high!!
· Just one night of sleep loss increases very toxic substances in body such as Interleukin- 6 (IL-6), Tumour Necrosis Factor-Alpha (TNF-alpha) and C-reactive protein (cRP). They increase risks of many medical conditions, including cancer, arthritis and heart disease. Paper published in 2004.
· Sleeping for <=5 hours per night leads to 39% increase in heart disease. Sleeping for <=6 hours per night leads to 18% increase in heart disease. Paper published in 2006.
Ideal Sleep
For lack of space, I cannot explain here the ideal sleep architecture. But in brief, sleep is composed of two stages: REM (Rapid Eye Movement) and non-REM. The former helps in mental consolidation while the latter helps in physical repair and rebuilding. During the night, you alternate between REM and non-REM stages 4-5 times.
The earlier part of sleep is mostly non-REM. During that period, your pituitary gland releases growth hormones that repair your body. The latter part of sleep is more and more REM type.
For you to be mentally alert during the day, the latter part of sleep is more important. No wonder when you wake up with an alarm clock after 5-6 hours of sleep, you are mentally irritable throughout the day (lack of REM sleep). And if you have slept for less than 5 hours, your body is in a complete physical mess (lack of non-REM sleep), you are tired throughout the day, moving like a zombie and your immunity is way down (I’ve been there, done that L)
Finally, as long-distance runners, you need an hour of extra sleep to repair the running related damage.
If you want to know if you are getting adequate sleep, take Epworth Sleepiness Test below.
Interpretation: Score of 0-9 is considered normal while 10 and above abnormal. Many a times, I have clocked 21 out the maximum possible 24, the only saving grace being the last situation, since I don’t like to drive (maybe, I should ask my driver to answer that line J)
In conclusion:
Barring stress control, Ranjan Das did everything right: eating proper food, exercising (marathoning!), maintaining proper weight. But he missed getting proper and adequate sleep, minimum 7 hours. In my opinion, that killed him.
If you are not getting enough sleep (7 hours), you are playing with fire, even if you have low stress.
I always took pride in my ability to work 50 hours at a stretch whenever the situation warranted. But I was so spooked after seeing the scientific evidence last week that since Saturday night, I ensure I do not even set the alarm clock under 7 hours. Now, that is a nice excuse to get some more sleep. J
Unfortunately, Ranjan Das is not alone when it comes to missing sleep. Many of us are doing exactly the same, perhaps out of ignorance. Please forward this mail to as many of your colleagues as possible, especially those who might be short-changing their sleep. If we can save even one young life because of this email, I would be the happiest person on earth.
Madhur Kotharay
madhur@alumni. princeton. edu
98200-30778
ps: Incidentally, just as human beings need 7 hours of sleep, you should know that cats need 15 hours of sleep and horses need 3 hours of it. So are you planning to be a cool cat or a dumb horse? J
Thursday, November 5, 2009
Cant we Indians fill potholes ...
when others can build bridge in 7 days we Indians can not fill potholes
Accidents can happen ( but can be terror act/ sabotage/ land grab act etc. too).
But failure to contain the losses is unpardonable. Worst is/ inhuman failure to provide other emergency relief / services. Yesterday I was on way to Kota from Jaipur. The site / Oil depot which is still live and burning ( though not very aggressively and is nearing end) was close to Highway leading to Kota. Govt has diverted traffic from that route and rightly though. But the diversion has no markings, not even lanterns in night, no sign boards with arrows to give proper direction.Every junctions we had to ask for correct route as v has started at pre dawn when there was no noticeable traffic to follow. Several patches in between have big pot holes.By spending some paltry amount govt could have made this diversion too safe and motorable. But who cares . V read newly elected MP's r fighting 4 bigger and prominent bungalow allotment at Delhi.
Is there any human touch/ caring/ preparedness/ vision in politics and bureaucracy??
Has any one from media raised this issue? or they r busy attending cocktail dinners?
Is there a NGO who can take some initiative and show down callous administration by being alert and active?
Accidents can happen ( but can be terror act/ sabotage/ land grab act etc. too).
But failure to contain the losses is unpardonable. Worst is/ inhuman failure to provide other emergency relief / services. Yesterday I was on way to Kota from Jaipur. The site / Oil depot which is still live and burning ( though not very aggressively and is nearing end) was close to Highway leading to Kota. Govt has diverted traffic from that route and rightly though. But the diversion has no markings, not even lanterns in night, no sign boards with arrows to give proper direction.Every junctions we had to ask for correct route as v has started at pre dawn when there was no noticeable traffic to follow. Several patches in between have big pot holes.By spending some paltry amount govt could have made this diversion too safe and motorable. But who cares . V read newly elected MP's r fighting 4 bigger and prominent bungalow allotment at Delhi.
Is there any human touch/ caring/ preparedness/ vision in politics and bureaucracy??
Has any one from media raised this issue? or they r busy attending cocktail dinners?
Is there a NGO who can take some initiative and show down callous administration by being alert and active?
Tuesday, October 20, 2009
My expenses are minimum,,,,,,,,,,,,,,mail 2 to family and other youngsters .....Alok
My expenses r minimum. I have no desire for luxury.
Dadaji remained in Rs. 5 chappel, 1 jodi choti kurta etc, but was happiest man.And left us with property of crores which he bought with his hard saved money which he never let squandered.
Or atleast never showed any frustration by seeing others luxury. he always/ and only wanted high quality and tasty food.
He always declared that I am merely ur munim / trustee and securing ur money/ future. He would be scolding if he sees any wastage like water, electricity, etc etc..
Same is done by Daddy. But no one became offended. Nor they had to bear the brunt of retaliation from their children for reminder of leaving lights fans on or on some wasteful ( as they thought) expenses.
But I feel when I remind on such issues then all of u feel hurt. feel taking retaliation.
May be u r more beautiful/ handsome . May be u r more intelligent. May be u r earning more then me. May be u r more educated.May be u r more pampered , liked, chased or have more options but I will remain what I am a husband for wife and father for children.
Yet If I have no right to say / suggest, pin point , improve, advise then what m I doing here?
Any how to begin with I have stopped ( attempting) bothering about wastage's, losses, misuse under use / over use. Now if water heater blasts, PC burns, ac conks off, or fat bills come I am least bothered. I too m just munim but of modern times ( unlike Dadaji who had right to screen, audit, budget) , and keep paying for any amount of bills happily and cheerfully. I thought my savings are for ur security, and security of old age and for making ur habits good. But that is affecting my image and relation and if my not nagging gives u all peace then let us have it that way.
But if fans keep burning, or such things keep happening then dont eat my head. Simply pay and get it repaired. And submit the voucher and collect the payment from my office .
But if there is fire due to over heating of appliances/ cable then?? God knows and knows well wait will it happen?
Till then have happy time...
( This is written seeing that present generation is failing to understand nagging parents and give them no right to intervene and advise)
( They do not worry about unforeseen developments which can happen in life and want just to compete in others in living in style or callously)
Dadaji remained in Rs. 5 chappel, 1 jodi choti kurta etc, but was happiest man.And left us with property of crores which he bought with his hard saved money which he never let squandered.
Or atleast never showed any frustration by seeing others luxury. he always/ and only wanted high quality and tasty food.
He always declared that I am merely ur munim / trustee and securing ur money/ future. He would be scolding if he sees any wastage like water, electricity, etc etc..
Same is done by Daddy. But no one became offended. Nor they had to bear the brunt of retaliation from their children for reminder of leaving lights fans on or on some wasteful ( as they thought) expenses.
But I feel when I remind on such issues then all of u feel hurt. feel taking retaliation.
May be u r more beautiful/ handsome . May be u r more intelligent. May be u r earning more then me. May be u r more educated.May be u r more pampered , liked, chased or have more options but I will remain what I am a husband for wife and father for children.
Yet If I have no right to say / suggest, pin point , improve, advise then what m I doing here?
Any how to begin with I have stopped ( attempting) bothering about wastage's, losses, misuse under use / over use. Now if water heater blasts, PC burns, ac conks off, or fat bills come I am least bothered. I too m just munim but of modern times ( unlike Dadaji who had right to screen, audit, budget) , and keep paying for any amount of bills happily and cheerfully. I thought my savings are for ur security, and security of old age and for making ur habits good. But that is affecting my image and relation and if my not nagging gives u all peace then let us have it that way.
But if fans keep burning, or such things keep happening then dont eat my head. Simply pay and get it repaired. And submit the voucher and collect the payment from my office .
But if there is fire due to over heating of appliances/ cable then?? God knows and knows well wait will it happen?
Till then have happy time...
( This is written seeing that present generation is failing to understand nagging parents and give them no right to intervene and advise)
( They do not worry about unforeseen developments which can happen in life and want just to compete in others in living in style or callously)
Thursday, October 15, 2009
Diwali Prayer
This year, Goddess Lakshmi, please pass by my door
There are others in need, and they deserve you more.
Take my earnings, my wealth and my pride, I pray
Let shared wealth – not my own -- glow radiant today.
Am I falsely proud, Mother? Is this illusion and lie?
Take me down, Maha Kali. Make me stand small and shy.
Come with your sword, like a sheep shear me naked
And then hold my hand, help me hold my head high.
My countrymen stand small, how can I stand tall?
Cast their fate upon me, in their midst let me fall.
And then, Mother Shakti, give me love, strength and grace
To be a guide they can trust, and a true friend to all.
Happy Diwali, my friends. I am praying for an end to our collective mania for endless economic growth, and our addiction to the rat race. I’m praying for peace, contentment and a healthy dose of reality. I humbly ask you all to join me in this prayer.
Warm Regards,
Alok Tholiya
There are others in need, and they deserve you more.
Take my earnings, my wealth and my pride, I pray
Let shared wealth – not my own -- glow radiant today.
Am I falsely proud, Mother? Is this illusion and lie?
Take me down, Maha Kali. Make me stand small and shy.
Come with your sword, like a sheep shear me naked
And then hold my hand, help me hold my head high.
My countrymen stand small, how can I stand tall?
Cast their fate upon me, in their midst let me fall.
And then, Mother Shakti, give me love, strength and grace
To be a guide they can trust, and a true friend to all.
Happy Diwali, my friends. I am praying for an end to our collective mania for endless economic growth, and our addiction to the rat race. I’m praying for peace, contentment and a healthy dose of reality. I humbly ask you all to join me in this prayer.
Warm Regards,
Alok Tholiya
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