BE HUNGRY AFTER TARGETS

Where there's a will, there's a way.

My one bosom friend Shri Shankar Pandey was Senior Manager at Punjab National Bank, Gopalganj in 2009. I was then Senior Manager of BO Pankaj Market, Muzaffarpur. We were expecting Rs 5 Crores from a Government Department.The BO Gopalganj was to get around 1.5 Crore out of that fund. Shri Pandey was lagging behind Rs. 1 Crore from his annual deposit target. He almost twice telephoned me to know about the fund. He also used to discuss his efforts to garner Rs. One crore from other sources also.

 I admonished him caringly,” Why are you contacting various departments restlessly to garner one crore when I shall surely remit you Rs. One crore fifty lacs." He immediately retorted," Uttam Babu, I have never missed my deposit target. So I am working on plan 'B' too." 

I was very much impressed by his hunger after targets. Once he managed to get one cheque of Rs. 107 Crores from the education department Siwan. He was also joint secretary of our officers' association AIPNBOA. He made our organization robust during his tenure. He is also a human man and helps his friends and neighbors in need. 

 His better half Dr. Sushila Pandey, the ex-principal of an Inter College, received prestigious President Award in 2010. Both are very hard working, and the whole family is addicted to success.

Heather Bresch rightly said," There is no substitute for hard work when it comes to achieving success."

USE FRACTIONS OF TIME

Don't wait. The time will never be just right.
Napoleon Hill.

Recently I attended a marriage ceremony. The wedding party was late. So I invested the waiting time in reading a few chapters of" Alice in the Wonderland." 
'The Mad Tea Party' was entertaining as well as instructive. This chapter highlights the importance of time.

You might be cursing me because without doing any great deed, I often quote myself in my motivational blogs.

 Great people are too busy to write motivational articles. So this work is left for those who write motivational articles by observing them. Some motivational writers are great by deeds also. Others achieve greatness by writing motivational articles. 
 I, too, have a modest target of becoming nationally and internationally known figure from my writings and deeds.

I was brought up in a family of six brothers and one sister. My father suffered from throat cancer. So you may well guess how things might have been moving in my big family. I tutored some children to support ourselves.

Fortunately, my one student, Shri Sant Sharan was awarded a national scholarship. Therefore, I was in massive demand to teach children. Most of my prime time was consumed in tutoring. So I tore off the pages of a grammar book "How to Write Correct English." I carried a few pages with me and crammed rules of grammar while commuting. I used to commute 40 KMs to attend college. I used commuting time also to remember molecular formulae of chemistry etc.
 Once I saw a group of my friends talking, I approached them; one of them exclaimed," Look, the half mind is coming." I gave them a puzzled looked. They asked me," Why I look time and again at my register while walking." I showed them one torn page of the grammar book.

I used fractions of time in getting through many examinations with flying colors including all India Probationary Officers' recruitment test.

Nelson Mandela rightly said," We must use time wisely and forever realize that time is always ripe to do right."

WHAT AFTER " WELL BEGUN HALF DONE"?

EXCELLENCE IS A CONTINUOUS PROCESS AND NOT AN ACCIDENT. A.P.J.ABDUL KALAM.

 If we start our project in a well-planned way with cent percent enthusiasm, we remain well ahead of our competitors, but please recall the traditional Rabbit-Tortoise fable; the rabbit started well and was much ahead of the tortoise, but became complacent enough to take a nap. Slowly but steadily marching turtle ultimately won the race.
 The life must have been going at a slow pace when this fable was told, but now the need of the hour is, be fast and steady both.

The smart and fast rabbit began well but later on became complacent and faced the ignominious defeat in the hands of the slow but steady turtle. So beginning well is not enough.

 A famous architect once claimed," We are not at all complacent after beginning well but diligently ensure keeping every brick correctly to give the building the most fantastic look."

Therefore we must work diligently through thick and thin on the pathway from "Well begun is half done" to "All is well that ends well."

WHAT DOES A BANKER LOOK IN A BORROWER?

Presanction appraisal is a vast and delicate subject, but all the bankers invariably assess one crucial thing i.e. the man behind the project.

A prospective borrower said,"He has an ultra modern house worth Rs. One crore to offer as a mortgage for Rs. 80 lac loan." I visited his home. It was centrally air conditioned, and many modern amenities were installed there. He told me that he would soon make a private movie theater in the house, but I was not impressed at all since he was a bachelor and had spent a huge amount to live alone. It showed his tendency of extravagance.

 Moreover, the modern amenities will depreciate to zero in a few years. We only value those assets which go on appreciating. Therefore, modern amenities costing Rs. Twenty Lacs were worthless from a banker's point of view.

We prefer a person with a tight fist, so that any money going into his fist, finds it tough in getting out.

 Bankers also ask many documents such as the balance sheet, PL account, title deed's photocopy, etc. I value that person who submits necessary papers promptly since an energetic person will complete his projects in time also with same promptness.  
The moral character of a person also carries heavy weight before us.

WORK DILIGENTLY WITH IRON WILL POWER

The powerful word 'Diligent'  means hardworking as well as careful. Working hard like laborers is not enough. One is supposed to work hard carefully as well as intelligently.

Dr. Pandit Palande, the Vice Chancellor, Bhimrao Ambedkar Bihar University

Working diligently with an iron willpower appears to be a sole motto of  Dr. Pandit Palande, the vice chancellor of Bhim Rao Ambedkar Bihar University. 

He took charge of the university a few months ago. He starts working in the morning and works till late night. He works on Sundays and holidays also.

During his short tenure, he made surprise visits to many colleges and PG departments to improve education culture. He got vacated all the university hostels after receiving complaints about unsocial elements residing there clandestinely and allotted rooms to genuine and bonafide students.
 He is also very thorough in details. We, on behalf of our esteemed Punjab National Bank, were installing water coolers in 7 hostels under corporate social responsibility. Despite his busy schedule, he asked for the catalog of water coolers and discussed different models threadbare. 

Theories remain theories, as long as we don't put them in practice. The leaders of society are practicing them and reaping stupendous results in different fields.
Jeromy Shingongo rightly said," When you diligently do what you are good at, success will always come your way."

BECOME A MULTIBILLIONARE IN EMOTIONAL CURRENCY

I had a fad for opening bank accounts in my student life. The minimum amount required for opening a saving account was just five bucks. I opened accounts in all two banks and the post office in Mehsi. I kept all my passbooks together and showed them with pride.
 When I got a job in Punjab National Bank, I got out of touch with banks and the post office in Mehsi. Slowly my accounts became inoperative, and the amount lying in them was forfeited.

Even now I have a hobby of opening emotional accounts with the persons I meet. 

 These heart-warming accounts are like overdrafts of banks. They can be either in debit balance or in credit balance.
 When I appreciate my friend and support him in his excellent works or sympathize with him in his hardships, a good number of emotional currency got credited to his heart's account for me. When I criticize someone, ask a favor or give some burden on my friend, my account balance of emotional currency in his heart account got debited. 

The formula of becoming rich is same in all endeavors- Accumulate and preserve as much as possible. So admire superior virtues of your friends, support them in their noble causes, and always appear first to wipe their tears away. Never forget to ask about their welfare off and on.
 You will be amassing huge emotional currency in their heart's accounts. The great leaders like Mr. Narendra Modi, Barack Obama, and Vladimir Putin know the art of depositing a large number of emotional currencies in the hearts of masses.

The good news is that we don't need any capital to start becoming a multi billionaire in emotional currency.  We neither need to pay any tax on it. We may start just now and start amassing an enormous wealth of emotional currency.
 A multi-billionaire in emotional currency may start getting other things like real money, a grand success, etc. effortlessly.

GIVE CREDIT TO OTHERS, BUT?

The strong leaders give credit to others for successes and take responsibility themselves for failures. After 1977 debacle in general elections, Mrs. Indira Gandhi herself took all the responsibility for the massive defeat of the Congress party. Her action was widely appreciated. 
The influential leaders also have the amazing quality of giving credit of achievements to their team members.

I learned this trait very early. But, once I found myself in a very bizarre situation.

The great leader sipped all the venom of the ocean churning and gave the nectar to Gods

I was newly married and was going to my inlaw's home first time.  Since I was a novice in purchasing cloth, I took help of a married friend in buying a lovely yellow Saree for my wife; she was delighted. I gave credit to my friend,” Actually this Saree has been selected by Arun Jee.”
 My wife got very upset and complained bitterly, "You delegated purchase of my Saree also." I had no option but to clarify that actually, I did the purchasing myself, my friend just accompanied me.

So when your position is not vulnerable as a strong leader, you may give credit to your team members for achievements and discredit yourself for lapses. Your team members need your emotional support and backing. They always tend to flock around strong leaders.

But when emotions are involved, kindly desist from this good habit.

REMAIN VIGILANT, KEEP SAFE

Once I visited station master's cabin at Mehsi Railway Station where a big poster was exhorting," Satarkta gayee, durghatna huyee. (Accident happens as soon as the vVigilance departs),"

 I always advise my office colleagues to keep a close watch on me since  I may commit a fraud if my mind goes awry. I also tell them that often frauds are perpetrated by innocent looking unsuspecting fellows, so we must watch each other carefully and discreetly.

Track record of a man is also deceptive. Many honest looking persons with an excellent family background have committed frauds.The fraudsters first earn the confidence of their victim then dupe them.

Andrew Davidson in the Gargoyle said, “Accidents ambush the unsuspecting, often violently."

   We must realize," Accidents may come, uninvited, from any corner." and remain always vigilant to keep ourselves safe.

THE DREADED DIABETES FOOT

 A tiny piece of stone hit the right toe of my barefooted diabetic friend while visiting a prominent enormous temple in Ahmadabad. He got first aid and decided to get proper treatment in Muzaffarpur. Unfortunately his leg became infected in the mean time, and finally, he succumbed to the terrible infection after suffering for five months in a costly nursing home at Patna.

I am also a diabetic. My doctor Mr. Suman Kumar advised me always to wear good quality cotton socks and shoes, and he also warned that diabetics are prone to diabetes foot which is incurable till now.
 I also searched the internet and read innumerable articles about diabetes foot. I put some important points below for ready reference.

1. Don't walk barefooted, even in your home.

2. Wear good quality comfortable socks and shoes in outings.

3. Wash your foot daily with warm water and dry them well.

4. Apply good quality foot cream.

4. Last but not the least; keep your blood sugar level in the normal range with doctor's prescribed medicines, proper diet, and active exercises. 

EXPLORE ALL THE POSSIBILITIES.

Try again; you have millions of alternatives.
--- Israelmore Ayivor, Dream Big!
 Our mind incessantly produces ideas based on our experience, attitude, and learning; many persons embrace even the silliest ones, first crossing their minds, but if we refuse to hug the first ones and seek more alternatives, our subconscious mind happily gives more and more.

Whenever I decide to solve a problem, I always brainstorm for more and more solutions.
 I always ask," Can there be another solution?"  I also urge my colleagues to suggest suitable alternatives and discuss all feasible solutions with them. Then we select the best one.
 For example, I and my friend Mr. N.K.Mehta wanted to purchase a plot of land. We visited many plots in Muzaffarpur but did not find them worth buying. We asked many friends and acquaintances for help.  Finally, our senior Mr. B.K.Srivastav informed that PNB staff members were purchasing a big piece of land near Patna to develop a PNB housing colony. We finally decided to ride the bandwagon.

However, allot time to explore alternatives according to the importance of a problem. If you wish to have a dinner in a good restaurant, apparently you will spend less time in exploring options than a person who is searching a suitable bride for his smart son.

IS DELIVERY OF JUSTICE PEOPLE FRIENDLY?

In 2004, a magistrate in Gujarat issued bailable warrants against then Chief Justice of India Mr. V.N. Khare and then President of India, Mr. A.P.J. Abul Kalam. These bailable warrants were issued in a false and fabricated case. As per processes, the court sends summons first, if the summoned person doesn't present himself in the court, then bailable warrants are to be issued. In some cases, summons doesn't reach the summoned. They know when a Police Officer knocks their door with the arrest warrant.

My one friend N.K.Mehta was a Government Witness in a criminal case. He didn't receive any summons. On a beautiful morning, a Police Officer knocked his doors with a nonbailable warrant. You may just imagine how a law abiding citizen would feel when he will face the nonbailable arrest warrant for helping the law and order machinery by being a witness in a criminal case against hardened criminals. You may also guess how he might have saved himself from being arrested.

Sources say that in the lower courts some court, clerks demand and accept money openly as PESHI for taking attendance and informing next date. My friend's father was fighting a false criminal case, years ago. He allegedly gave PESHI and received date. Later on, he was arrested by the Police on a nonbailable warrant. He was produced in the court in handcuffs and rope like a thief and came to know that the date given to him by the clerk was one week after the actual date fixed by the court. The court issued the nonbailable warrant for not appearing on the date. The opposite party was very active in getting a nonbailable arrest warrant issued and getting him arrested. 

The Honorable Chief Justice of Patna High Court has sacked some judicial officers for wrong behavior. It is high time that erring employees acting in lower posts are also taken to the task and CCTVs are installed in courts to discourage unethical practices. Dates should be posted in internet site of the court. No nonbailable warrants should be issued for accidental or unintentional absence.