About Me

My photo


Saturday, June 22, 2013


Once I read one eye-catching article in the City Page of 'Hindustan' newspaper," Seven Bikes Stolen In Two Days." The newspaper claimed," On an average two bikes are stolen from our town. The Police are just a silent spectator." The town DSP claimed," The Police is doing patrolling in sensitive areas to curb the thefts." He also advised bike owners to use another lock, also, to handle lock, to double secure their motorcycles.

 The Banking system is one of the most reliable and trustworthy systems of the world. Why?
 We have maker & checker concept in banking to become double sure that all the transactions are entered correctly and hard earned money of our esteemed customers is not credited into the account of someone else by mistake.
When we use two mechanisms to secure our assets/actions, we become double sure. When one device fails or is broken, the other tool takes care.
Aways be double sure in all our actions and transactions. Even when one contemplates some action in future, it is always better to share it with close friends who will remind us even when we forget our contemplation.
The famous televangelist, pastor & motivational speaker Reverend Robert.H.Schuller went one more step ahead and talked about triple checking our position in his motivational book, “Tough Minded Faith For Tender Hearted People."

Sunday, June 16, 2013


You must be thinking DELEGATION involves only serious professionals.
But every person manages problems and needs to delegate some job to others e.g. a homemaker delegates household chores to a maidservant.

 Now the crucial question is," Who is a joker & why should he never be delegated?"

A joker in a playing card is a man without loyalty or commitment to anyone. It mixes with two aces and becomes a trail. It combines with two running cards to become a sequence of 3. Trusting a joker with any task is futile.
Delegation is a delicate art. By delegating responsibility to a person, we make him our agent and give him controls, but the responsibility lies with us.
  Suppose we want to go to Delhi from Mumbai in 2 hours. We will buy an air ticket from an airline. The concerned airline takes responsibility to receive us safely at Mumbai and leave us safely at Delhi. It delegates this job to the Pilot of the Aeroplane, although responsibility for our safe travel lies with the Airline, the pilot takes controls to execute the job.
 However, a professional airline draws the detailed map on which the pilot will fly the plane and also gives detailed instructions in writing.
Will the Airline delegate the job to an inexperienced pilot?
Will the Airline delegate the task to a skilled but unwilling pilot?
Will the Airline delegate the job to a drunk pilot?
Will the Airline delegate the task to a pilot whose skin is not involved?
Will any professional airline entrust the job to even an expert pilot without giving him detailed instructions in black and white?
The airline does not delegate its responsibility to any Tom Dick & Harry but to the most suitable person after doing due diligence.
When a sick man decides to consult a doctor, he chooses the most appropriate doctor to treat his disease. Neither he will choose a heart surgeon for treatment of cold & cough nor will he select a simple MBBS to operate upon a malignant tumor. 
So when one has a choice to delegate someone, one needs to make it after doing due diligence. But the real challenge lies when one has no choice. One has the least choice as the head of a family. Whatever one wants to achieve, one has to achieve with the same family members. Brothers/sisters & sons/daughters can't be sacked and replaced. So one needs to remember the famous devotional song," Meera ne piya vish ka pyala, vish ko amrit kar dala".(Meera, the devotee of Lord Krishna, drank poison and turned it into nectar). The importance of proper training and motivational skills comes into the picture here.
I have explained my method of motivation & training in my article, "CHANGE THE ENVIRONMENT & MAKE DYNASAURS EXTINCT SPECIES." 
I learned much about training & motivation from "Situational Leadership" theory developed jointly by Mr. Paul Hersey, Professor & Author of the book, “Situational Leadership" and Keneth Blanchard, the Management Guru.
The crux of "Situational Leadership" theory is that while engaging a person for some work, please judge his knowledge and willingness to do the delegated job. Please give the concerned person detailed instructions and also make close supervision with lots of motivation in the beginning if the individual is new to the assigned job. Please recall how parents teach writing alphabets to their children. The level of instructions, supervision & motivation may be adjusted as the concerned person becomes more experienced & willing. 
Many Managers/Parents commit the blunder of adopting "Leave Alone & Rebuke Approach." They assume that their subordinates/children are magicians and know by magic what they are supposed to do. So after delegating the job they just forget about it, then on one day they call their subordinates/children and find that the poor fellows have not performed as per their expectations. The Managers/parents start yelling, the subordinates/children start sulking & cursing.
So before delegating any job, please make a list of things you want to get done & draw action plan how you want them to be done. Please discuss the action plan in detail with your subordinates and ensure that they understand it so that there remains no room for communication gap at all. Please judge their maturity level (their knowledge & willingness level) to decide the standard of supervision and motivation to be done and set the ball rolling for the spectacular performance by your able team.

Saturday, June 8, 2013


Enjoy the serenity of Mother Nature. Refresh yourselves by listening to the soothing sounds of flowing water from famous Kempty Falls, Massurie (India).

Sunday, June 2, 2013


 The theory of "UTMOST GOOD FAITH" is vital in the insurance business.
 Under this theory, it is the duty of the customer to make disclosures about his health and his family member's health, etc. It is utmost important for you to reveal the diseases from which you are suffering or from which your family members suffered. There is one crucial question in the questionnaire of some insurance companies asking the details of sick leave availed by you. Please always give correct information. One of our colleagues posted at Motihari was sick. However, her agent informed the insurance company that she did not avail any sick leave. Agents often take your signature on the blank form and fill later on what suits them. After her unfortunate death, the insurance company asked the bank about sick leave availed by her, obtained necessary information and rejected the death claim on the ground of concealment of the fact and also forfeited the premium amount deposited by her.
Please note the travesty. The Insurance Company is not supposed to check any information supplied by you while selling insurance. They will happily accept the premium amount. But their surveyors will examine the information provided by you in the application form with the highest power microscope to find any small anomaly with sole motive to reject the death claim and  forfeit the premium deposited by you.
To make the matter worse, some insurance agents will advise you to hide that information which will hinder underwriters of the insurance companies to accept your proposal. The sole motto of such agents is to earn big commission paid by the insurance companies during first few years. If later on your family members are bereaved from the claim amount, it will not bother them at all.
 There are rumors that some insurance agents change the application form submitted by you to get the insurance proposal accepted by the underwriters. Please don't forget to check the photocopy of the application form annexed with the policy bond as soon as you receive it.  If you find any foul play,  please immediately take up the matter with the insurance company and with appropriate authorities.
 I myself became a victim of such malpracticeBut I could not complain since I had not taken receipt while submitting the application form. Therefore I was not having sufficient proof. The travesty was that the concerned agent was son of  my good colleague. I simply didn't pay any further premium.
 Since paying any further premium was of no use. The policy bond was issued on the basis of false information. My  family members would not get even a single penny in  case some untowards had happened to me.

However insurance is the need of hour. Everybody must be insured sufficiently after giving full disclosures . One may also consider to buy a term insurance policy of a big amount at an early age when genral health of a person is  robust.  Thus there will not be any need to conceal diseases.The premium amount is also very small .
A good number of  Insurance Companies believe in giving a fair deal to their customers. You may compare claim settlement ratios of the different insurance companies. If claim settlement ratio of a company is high, it indicates its surveyors are not rejecting  claims on  filmsy grounds.