imageWhat a blessed country USA is ? I could visit only four states Newyork, New Jerssey, Pennsylvania and Philldelphia during the eight weeks holidaying with my family based in Piscataway, New Jerssey but the picturseque locations , vibrant culture ,carefree mood, disciplined driving, Hello Hi How are you wishes by the smiling strangers, visibility of Police personnel only in case of emergency for helping the administration and relaxed attitude of the people  will be long remembered . The nature has been very kind with bounty of greenery, natural lakes, water falls and what not— for the citizens to enjoy. Yes the summers are very pleasant as compared to our country where sun shines brightly during the summers and the scorching sunlight keeps us indoors sweating in humid conditions.

Chipotla, the maxican food seems very close to our own food and can be savoured easily like “CHAWAL-RAJ MAAH” but the Bhutta (Chhalli) ==Corn Cob at Time Square was absolutely yummy and out of the world. While visiting the big stores, Malls or public places,the counter staff looked very professional but cooperative seeking so much information while taking your orders for meals. Yes the scenes picturised in New York for the film ENGLISH VINGLISH where Sri Devi, the Heroine gets upset with such situations came suddenly to my mind while confronting the sales girl seeking my order for Chipotala and water in New York. I had to answer about ten questions for getting my order in hand, thanks to intervention by my daughter. Trains and local taxis supplement the transport requirement of the commuters but most of the people have their own cars plying on very smooth roads. The local bus, auto rickshaw, kali pili taxi were of course missed .

The stage is getting set for the Presidential elections in 2016 but while travelling no passenger seemed interested  and discussing politics unlike our country where  even the state elections will generate tremendous anxiety and herds of people can be found discussing all finer points of elections even in the offices, buses, trains and of course at Pan wala Shops. The feared winter has started knocking with autumn setting in and  most of the trees have started bearing leafs from green, yellow to red.  Those red leafs of Maple trees have started falling down creating beautiful scene of Amitabh Bachhan block buster starrer Mohabbaten .The temperature is going to fall to sub zero levels soon saying good bye to summer season of about four months but I am proceeding to Sydney to enjoy one more summer of the season next month


Banking Transformation

Digital Stock exchange panel

Banking is defined as the accepting purpose of lending or investment of deposits, money from the public, repayable on demand or otherwise and withdrawable by cheque, draft, order or otherwise. This definition is given in Indian Banking Regulation Act (1949) and from this definition, we can say that a bank has two main features: (1) the bank accepts deposits of money which are withdrawable by cheques, (2) the bank uses the deposits for lending.

Having seen the Banking operations from very close quarters, I can easily vouch that the definition has not only changed its contents but the application part too. Its not only the Loans but the banks have been forced to sell various other products to keep afloat due to the shrinking margins over the years. Increasing NPAs have also played its role in shortening the bottom line of most of the Banks.Bank Assurance term has been added to sell Insurance policies of the Insurance Companies, Distributor for selling Mutual Funds of the AMC

issuance of Drafts, Telegraphic Transfers, Bankers Cheque and Internal Transfer of funds has been replaced by NEFT/RTGS and Online banking . Advent of private banking has transformed the concept and role of Banks altogether as the mass  banking has been replaced by personal and class banking by the Private/Foreign Banks in India. Gone are the days when the customers had to wait for disposal of their credit requirement requests for months altogether. Rather, its the customer who has the customised sanctions/approvals on his platter before submitting the Loan proposal. The Bank officer feels privileged on

In view of several developments in the 1990s, the entire banking products structure has undergone a major change. As part of the economic reforms, banking industry has been deregulated and made competitive. New players have added to the competition. IT revolution has made it possible to provide ease and flexibility in operations to customers. Rapid strides in information technology have, in fact, redefined the role and structure of banking in India. Further, due to exposure to global trends after Information explosion led by Internet, customers – both Individuals and Corporates – are now demanding better services with more products from their banks. Financial market has turned into a buyer’s market. Banks are also changing with time and are trying to become one-stop financial supermarkets. Market focus is shifting from mass banking products to class banking with introduction of value added and customised products.



FEELING A PROUD INDIAN IN USA:-News Item as appeared in Rediffmail

5 Indians among Fortune’s influential young people in business

Fortune’s 40 under 40 list for this year was topped by Adam Neuman.

Dhivya Suryadevara, CEO, GM Asset Management. Dhivya Surayadevera was ranked 4th among most influential people in business. Photograph, courtesy: General Motors

 Vas Narasimhan, ‎Global Head, Development at Novartis Pharmaceuticals. Photograph, courtesy: Novartis

Anand Swaminathan, ranked 18th, is Accenture’s youngest-ever global leadership council member and runs its fastest-growing business.

Apoorva Mehta, ranked 23rd, is the Founder and CEO of Instacart that operates in 17 cities, partners with Whole Foods and Costco, and holds a USD 2 billion valuation.

Reshma Saujani, was ranked 39, is the founder of the tech organization Girls Who Code, to help under-served girls gain the skills to pursue careers in technology and engineering.

Philanthropy– A Cause

Mother Teresa

( THE FACE SAYS IT ALL–A Picture of Love,Care, Compassion and eternal peace)

# 10 “If you judge people, you have no time to love them.”

Wow. This one hits home. We  all too often (me included) would prefer to pick apart why we can’t help someone rather than treat them with unconditional love and kindness.

#9  “Life is an opportunity, benefit from it.
Life is beauty, admire it.
Life is a dream, realize it.
Life is a challenge, meet it.
Life is a duty, complete it.
Life is a game, play it.
Life is a promise, fulfill it.
Life is sorrow, overcome it.
Life is a song, sing it.
Life is a struggle, accept it.
Life is a tragedy, confront it.
Life is an adventure, dare it.
Life is luck, make it.
Life is too precious, do not destroy it.
Life is life, fight for it.”