Some great sayings ...

"You cannot taste me, until you undress me?"

- Banana

“You cannot eat me unless you lick me"

- Ice cream

“You cannot play with me unless you blow me"

- Balloon

“You cannot enjoy me unless you suck me"

- Lollypop

"You make me wet & put me in your mouth everyday"

- Toothbrush

" You cannot eat me unless you spread me"

- Butter

…and the Most Killer One

"You cannot kiss me unless you praise me"

- Women.

No discount please.....

Selling tips...

A lady agent of 18 years in the business asked me this question. A client had bought a plan with her and insisted to be given a discount from the sales. She doesn't want to give discount and also afraid to loose the customer at the same time. How lah???

I have been in the business for 30 years, and I kept to my principle that no discount would be given. Commission is our blood line or income to keep us in the career. Without the income from the sales generated, I won't think it's possible for me to stay in this challenging business for this long. 

I gave up my job thirty years ago to venture into this noble profession, selling life insurance. A career without basic salary and other benefits. I had to learn and relearned all about this industry to update my progress as I work along. There is no boss to dictate my path, while I control and manage my destiny. I have to be brave and courageous to face the unknown. I have to take constant rejections and objections from the unfriendly  prospects and yet to remain in this tough selling. For those who became my clients, I promised to remain faithful and loyal to them. I promised to serve rather than to be served. I promised to be there whenever I'm needed in any eventualities happened. From the thousand of clients we grew together, when I offer them the peace of mind and in return they rewarded me well financially. Today, all my sons had completed their decent overseas studies and I had a chance to have travelled round the world. Though I'm not rich as some of my wealthy clients, I am contented because I have a comfortable house to call as a successful home. All these are made possible because all my existing clients are willing to pay their premium in full and hadn't asked for discount. 

Conclusion: A weak agent might consider to give discount in order to clinch a desperate sale, while a successful agent offers sincerity and seriousness to the satisfied clients.

Food for thought - "For every sale you miss because you're too enthusiastic, you will miss a hundred because you're not enthusiastic enough" - Zig Ziglar quotes

Selling with the heart or the mind is two different approaches..

Thirty years ago when I took up the challenge to sell life insurance was because I was highly inspired by the products. The products were mainly on protection, providing security to the individuals and the families. Should a father die on an untimely death, the benefits would immediately pay cash to the surviving family members. The family would have shelter and food, the children could continue their studies and the entire family could still live in dignity. Or if the individual fell severely sick, he needed not to worry about the high cost of medical bills to come. I was greatly motivated to sell that 'peace of mind' to everyone I encountered those days.

So sad of today! We no longer talked about protection or the sum insured, rather the companies are offering values to inspire agents to sell. The values come in the form of premium income, the more premium we bring in, the more commission would be paid. The premium could be high, and yet the protection could be lower. Those days, premium was much lower but the protection was much higher instead. All the seminars seldom mentioned saving and protecting lives, rather they created motivation with dreams and financial success. On top of it, they threw in expensive and tempting trips and holidays to excite more sales.

Conclusion: I think it's much easier to motivate the mind than the heart. Most younger agents could easily be inspired with dreams and thoughts but to sink into the heart one needs plenty of understanding of life. The mind could be corrupted but not the heart. 

Food for the thought - “When the heart speaks, the mind finds it indecent to object.” - Milan Kundera

Men like smart women.....

One undisclosed reader posted a comment on my previous title dated 24 Oct 2012, "Be Truly A lady". She ended with an interesting question.

Anonymous said... 

No place for smart women in this world :-(

Your conclusion is that she needs to stop being so smart and start playing dumb to be with a man?

That will be against her nature!

A better question is: why are men afraid of smart women?

My reply for her was:-

Men will not be afraid of smart women but rather we are more afraid of intelligent ladies.  Being smart and intelligent are two different things. 

Intelligent people, be they man or female, they are usually prideful, full of self esteem, egoistic, authority personality and difficult to be pleased. While a smart person could be just the opposite of being intelligent.

I believe all men like smart women. I love my little darling to be smart. She is smart to tickle my heart. She is smart to know what I want. She is smart to make me happy. She is smart to romance with me. When I'm sad she knows how to change my mood. When I'm down she is prepared to listen and to understand my thought. When I'm on the heat, she is willing to hug me tight. When I'm distressed, she gives me the tender kisses. When I'm hunger, she cooks the best meals to satisfy my stomach. When I'm tired and lazy, she motivates me with her inspiring words of love. She is not only intelligent but she is extremely smart to have caught my heart and soul. 

My Dear Anonymous.... No man on earth is afraid of smart woman.

Specially for my little darling - “A woman has got to love a bad man once or twice in her life, to be thankful for a good one”

Taiwanese prefers jail to a nagging wife .....

WHY MARRY?
You have two choices in life:
You can stay single and be miserable,
or get married and wish you were dead.
----------
At a cocktail party, one woman said to another,
'Aren't you wearing your wedding ring on the wrong finger?'
'Yes, I am.. I married the wrong man.' 
_______
When a woman steals your husband,
there is no better revenge than to let her keep him.
______
A woman is incomplete until she is married. Then she is finished
---------
A little boy asked his father,
'Daddy, how much does it cost to get married?'
Father replied, 'I don't know son, I'm still paying.'
--------
A young son asked,
'Is it true Dad, that in some parts of Africa
a man doesn't know his wife until he marries her?'
Dad replied, 'That happens in every country, son.'
---------
Marriage is the triumph of imagination over intelligence. 
---------
If you want your spouse to listen and pay strict attention to every word you say -- talk in your sleep.
---------
Just think, if it weren't for marriage, men would go through life
thinking they had no faults at all. 
---------
First guy says, 'My wife's an angel!' 
Second guy remarks, 'You're lucky, mine's still alive.' 
---------
'A Woman's Prayer: 
Dear Lord, I pray for: Wisdom, To understand a man ,
to Love and to forgive him , and for patience, for his moods.
Because Lord, if I pray for Strength I'll just beat him to death'
xxxxxxxxxx

The above jokes were all collected through the years from my friends. I taught they were just for laugh, until I read the newspaper today. Please continue to read the real facts of life.....

A TAIWANESE man who found his nagging wife unbearable decided to stage a robbery so that he could go to jail to avoid her, Nanyang Siang Pau reported.

The 36-year-old restaurant owner, identified only as Bai, entered a convenience store in Taichung city, Taiwan, recently and shouted at the workers: “I am here to rob. Call the police!”

Bai kept insisting that they call the police.

Then he bought a packet of cigarettes and smoked outside the store, while waiting for the police to arrive.

He was released by the police later when they found out that he had no intention to commit a crime.

This article is from The Star Online (http://thestar.com.my)
URL: http://thestar.com.my/news/story.asp?file=/2012/11/22/nation/12352619&sec=

Late night call to the Vet .....

Sunday laugh.... See whether it works for you.....

A dog lover, whose dog was a female and "on heat', agreed to look

after her neighbour's male dog while the neighbours were on vacation.

She had a large house and believed that she could keep the two dogs

apart. However, as she was drifting off to sleep she heard awful howling and moaning sounds, rushed downstairs and found the dogs

locked together, in obvious pain and unable to disengage, as so frequently happens when dogs mate.

Unable to separate them and perplexed as to what to do next, although it was late, she called the vet, who answered in a very grumpy voice.

Having explained the problem to him, the vet said, "Hang up the phone and place it down alongside the dogs. I will then call you back and the noise of the ringing will make the male lose his erection and he will be able to withdraw."

"Do you think that will work?" she asked.

"It just worked for me," he replied.

Not afraid to grow old....

Are you afraid to live too long in life? I used to ask many old age friends, around the sixties and above this scary question, and their answers are... "Yes!" Meaning, they wished not to live too long because they are afraid to be a nuisance to their family, when their health might be a big problem. 

I have two distanced relatives, I so called them as uncle. Both passed their age of 90 and above. Their wives had passed away few years ago. When they were around, husband and wife would quarrel all the time but now that the wives had gone, they wish the women could still be around. Reason... They have no one to talk to. Though both men are healthy and have no serious illness, they are lonesome in mind and soul. At their age, all their good friends had left this world. Those days, these senior citizens might group together to chat or to play mahjong to pass time happily. As time passed, these old folks got sick and unable to move. Later they just disappeared, leaving this single old man alone. Each day these two uncles have to wait for their sons to come home to accompany them. Otherwise without their sons, they practically have no one to talk to. The grand children are afraid of them, the daughter in laws do not know how to communicate with these stubborn old men and the sons are busy with their businesses. So at the end, they live in a lonely world without friend or families. They wish to die sooner and yet they can't. So to live too long in life could be a suffering!

What about me? No! I am not afraid at all, I am looking forward to reach 85 and see the glamour out of me then. To overcome boredom and lonesome, one must have a lot of good friends besides his family members. Today I have friends ranging from 85 years old to 15 years young. In fact I have more younger friends below my age, rather than those older than me. In 20 years time, all my friends would also be older by 20 years. The one who is 15 today will be 35 then, and I would make sure he or she would still be my good friends. So! If non of my sons are interested to talk to me in twenty years later, I rest assure there are enough younger people to stay around with me at that time. The secret of mixing with younger people is to lower my pride and self esteem. Speak to them like a brother if they are male and talk to the girls like they are all your dears, honeys or darlings. With all these younger people, how could I be getting old. No way! Thus, I am not the least be scared to live up to 100. 

So true - "Beautiful young people are accidents of nature, but beautiful old people are works of art" 

-- Eleanor Roosevelt

Lower our expectation....

I love eating Wan Tan Mee, Chinese noodle. However the original taste of this noodle food is no longer available in our township. All the stores or food courts selling them are tasteless. There is one typical Chinese restaurant in Kuala Lumpur, specialising in wan tan mee is still operating. It's a family business brought down by the grand father, and currently is run by the third generation. Yesterday I purposely drove down to this shop for my lunch and I hadn't been there for quite awhile.

When I was at their place, I was shocked to see only foreign employees working. Except the cashier, I believe could be the boss himself and two Chinese local supervisors who only took orders from the customers. The entire restaurant was practically managed by foreign workers. I saw three Indonesian women  preparing drinks, and three Bangladeshi Cooks preparing the food. I couldn't imagine Chinese food, especially wan tan mee was prepared by foreigners. How could these workers understand the process of the noodle's preparation, and know the taste buds of our locals! My plate was served with the right setting, noodle, meat and soup. BUT! When I started to eat, I realised the taste and the quality was totally different. There you are, gone are the best wan tan mee of Kuala Lumpur. Looking around, I could see people were still pouring in to order this noodle. Perhaps the younger people of today had not ever tasted the original taste of the yesteryear noodle, while I was lucky when I had tasted it 50 years ago. To them this shop is still the best for this type of noodle. High time that I should lower my expectation in life.

Sylvia Plath proverb said - “If you expect nothing from anybody, you’re never disappointed.”  BUT! Can this include food??? You tell me please?

You are important to me......

Selling tips..

Never never pick up a coming calls when you are facing and talking with your customers. It might be urgent, is still practical to avoid them. Whenever calls are ringing over my hand phone, I will tell the person in front of me this... "The call might be from the PM, he has to wait because you are more important to me at the moment." Believe me, that statement really helped me to close many unexpected sales. 

The right way to give your name cards.

Selling tips,

Name cards are important, especially when you are in business or in sales. The name card is your identity, representing your company and yourself. Now! When you are out doing business, where do you keep those cards. For the ladies, they normally would be keeping them in their handbags. And for the gentlemen, do you keep few of these name cards inside your wallet? From my observation, most salesmen would handover their cards from the wallets which are always kept at their back pockets. Right? Men have their pants which are tailored with two handy pockets at their back. On the right is where they put their wallets, and on the left we normally have a handkerchief. 

To me, I never keep my name cards inside the wallet. Personally I feel is not a proper manner to give out name cards from your backside. It's rude and doesn't look appealing to the one who receives your identity. I always keep my name cards inside a small folder or pocket diary which I put inside my front shirt pocket. My cards would be given out from the front, almost like from the heart I give them out. Is more sincere and polite to give them from the heart. Plus give them out with a smile with two hands together. This gesture is the most effective way of giving out your identity, especially to those who might be meeting you the first time. I have been doing it ever since I was a salesman forty five years ago. I really works. Please try.

Roses have thorns

A true story of my childhood friend, from rag to riches.

Those days it wasn't easy to be promoted to the form six (Pre U standard). We had to pass well in our Form Five Senior Cambridge before we could get a seat in form six. I just barely passed with a grade three result as I was never good in studying. What do you expect from me! After all by nature I was naughty till today. Right? Not my friend Chan who was poor and yet he scored excellent results, and the next year he went over to sit for his form six. After our form five, most of our classmates were already working but Chan was still pursuing his education. Two years later after Chan took his examination, while waiting for his result, the parents were unhappy that he had wasted too much time studying. They wanted him to work, so that he could support the brothers and sisters. Those days there was no part-time job, and getting an office job wasn't easy either. One day while he was walking home, he saw a big poster seeking for general workers. Out of desperation he walked over to the construction site, spoke to the site supervisor who immediately gave him a job as a casual worker. Though the work was tough, he was happy because he could bring home some money for his family.

Within weeks Chan became popular among his fellow workers. He was the most educated man there, who spoke many languages and dialects, especially English and he could read and write Chinese as well. Soon he was spotted by the big boss too. The boss himself was not an educated person, was amazed with Chan's academic qualities. Knowing his good command of English, the boss had to borrow his translation whenever he needed to see high ranking people. From a casual worker,  he rose to be the site supervisor. Later he became a sub contractor and less than two years he became a main contractor himself. He could rise so fast and rapid because he understood the entire construction industry. He could feel for the workers because he started right from the bottom like them. He could think like an engineer or an architect because he spoke their language. He was humble and prepared to work hard. Ten years later he migrated to America as a Millionaire. From reliable sources Chan is a multi billionaire now.

"Some people are always grumbling because roses have thorns: I am thankful that thorns have roses" - Alphonse Karr. Not Chan. Right?

Gardening with Grandma ............................

A good Sunday chuckle....

A teenage granddaughter comes downstairs for her date with this see-through blouse on and no bra.Her grandmother just pitched a fit, telling her not to dare go out like that!
The teenager tells her 'Loosen up Grams.

These are modern times.

You gotta let your rose buds show!' And out she goes.
The next day the teenager comes down stairs, and the grandmother is sitting there with no top on.
The teenager wants to die.

She explains to her grandmother That she has friends coming over and that it is just not appropriate...
The grandmother says, 'Loosen up, Sweetie.

If you can show off your rose buds, then I can display my hanging baskets.

Happy Gardening.

Don't mess with a Senior Citizen

Signature reveals your personality....

Few days ago was Deepavali when I visited Balan who insisted that I must turned up with my little darling. The last we met him with his family was last year for the same celebration. They had prepared food and drinks for us. Upon reaching his house, we saw a Mercedes parked right in front of the courtyard. Wow! Balan has changed his car. Upon seeing him face to face, shaking his hand, I could see the grow in his eyes.  His eyes was sparkling with love and he spoke so confidently with happiness. Tell me friend! What is happening to you.

While eating those delicious food and drinking the hot tea specially prepared by his dear wife, Balan related this story to us. 

Last year when we came, I talked about Graphology, a study and analysis on handwriting and signature. This is one interest I had picked up 30 years ago. During the discussion Balan and his family got attracted to this subject, and the entire family of four wrote and signed their names on paper for me to access and analyze. They were amazed I could tell them their strength and weaknesses. Correcting their weaknesses, I suggested to them to improve on their signing. Signature of oneself is important. An upward signing is always better than a downward stroke. Upward is positive and downward indicates negative. Is like when you feel great, "Hooray or Yahoo" is an upward movement, while an angry thought like "Shit or Damn" is always a downward movement. I highly recommended them to change their signatures by moving upward with force. Balan and the two daughters took my advices. The father being a soft lighted person gradually turned aggressive in personality and his mind is charged with positiveness. Within this year, his business grows by leap and bound. The eldest daughter had passed with flying colour in her medicine degree and the second girl is so fully confidence in taking her SPM examination at the moment. All these happened because they had changed their signature. Today they are strong believers in Graphology. 

Believe it or not - your signature reveals your inner thought. 

Have you ever wonder who loves you most?

This article was sent to me from my eldest son. Very meaningful......

Have you ever wonder who loves you most?

Let me share a story:

A professor gave his class (50% male and 50% female) two questions.

Question 1:

There is a man who loved this beautiful woman. But one day, she was

disfigured in a freak accident, will he still love her?

Question 2:

There is a woman who loved this wealthy man. But one day, he lost all

his money due to financial crisis. Will she still love him?

The answers by the class:

1. 30% Yes 40% May be 30% No

2. 20% Yes 30% May be 50% No

The professor commented that the answers suggest man is at a higher

risk of losing his love when he loses his money, compared to women

losing their love when they lose their beauty.

Then he asked, "Have you all thought about the relationship the man

and woman had in the two questions?

Did you all assume it was a romantic relationship between a man and a woman?"

"Yes....are they not?" the class replied.

The professor said, "Answer the questions again - this time, assuming

the relationship is between a father and a daughter for question 1 and

for question 2, a relationship between a mother and a son."

This time, the answers were:

1. 100% Yes

2. 100% Yes

So now you know - who love you most. :-)

PARENTAL LOVE IS UNCONDITIONAL & EVERLASTING .

Perhaps now my son knows what parental love is, because he is a father of three growing children now. Son, thank you for sending such wonderful sharing.

The left and right brain....

Wan, one of my readers sent over an interesting statement, which he gathered from the funny articles in Facebook worth pondering...

The left brain and right brain.

The left brain has nothing right, while the right brain has nothing left.

Instead! To counter that statement, Dan Castellaneta quoted- "All right, brain, I don't like you and you don't like me - so let's just do this and I'll get back to killing you with beer."

The young handsome men of 1983 .....

Something interesting I found...

Hi Boss,

Thirty years ago, I called you as Philip, when we were celebrating the Star Club at P. Dickson between Singapore and Malaysia then. Today with due respect, I have to address you as my boss. Congratulation for coming a long way.

By chances last night while going through the old files, I found something interesting... "Prudential Bulletin February 1983." There I saw three handsome young agents, Francis Lim, Robert Foo and Philip Seah. They really touched my soul and heart. Out of the three there, only two still remain with this Number One company, Prudential. The last agent was the greatest, because from a humble agent he rises to be the Boss in Malaysia today. I salute him with joy!

Specially I scanned these pages from the bulletin for you to admire and see to believe how time flies. Thanks God, you and me are still loyal with our faithful company, Prudential.

Warmest Regards,

Robert Foo

T2600001

Damansara Intan Branch

8th November 2012

From Little darling.....

wahhhh....my baby very handsome la....I am sure our boss would be very touched....well done love..

From Philip Seah...

Robert

I couldn't recognise myself :-)

Thanks. Will catch up when I'm next at your branch

Philip Seah

Dy Chief Executive Officer

Prudential Assurance Malaysia Berhad

Level 17 Menara Prudential. 10 Jalan Sultan Ismail

Kuala Lumpur 50250

........................................................................................

Loyalty needs patience, hard work, determination, persistence and plenty of passion. When the two photos of myself and Philip Seah were posted on our monthly bulletin 30 years ago, we didn't know what would be our outcome in life and destiny, but loyalty proves to be a meaningful and fruitful conclusion. I love my career as a hobby and Philip with his experiences and dynamism manage our company as the CEO two months ago. Time really flies!!!!

Man of the Millennium.....

Too good a touching story and to be shared.... Mr. Kalayanasundaram worked as a Librarian for 30 years. Every month in his 30 year experience(service), he donated his entire salary to help the needy. He worked as a server in a hotel to meet his needs. He donated even his pension amount of about ten lakh rupees to the needy. He is the first person in the world to spend the entire earnings for a social cause. In recognition to his service, the American government honoured him with the ‘Man of the Millennium’ award. He received a sum of Rs 30 crores as part of this award which he distributed entirely for the needy as usual. Moved by his passion to help others, Super Star Rajinikanth adopted him as his father. He still stays as a bachelor and dedicated his entire life for serving the society. You can read more about him here. See the attachment also. All our Politicians, Film stars, Business magnets, cricketers Press and we all Indians should be PROUD and also should be ashamed of ourselves. American Government has honored him but we Indians even don't know that such a personality exist amongst us. At least have the courtesy to pass this on and on till the whole world comes to know about this Great Good Samaritan. Hat's off Kalayanasundaram.. We Indians are extremely proud of you and proudly say "THIS HAPPENS ONLY IN INDIA"

"Life without God is like an unsharpened pencil - it has no point."

Two old Legion guys .....

Sunday joke..... Two old Legion guys, one 80 and one 87, were sitting on a park bench one morning. The 87-year-old had just finished his morning jog and wasn't even short of breath.  The 80-year-old was amazed at the guy's stamina and asked him what he did to have so much energy. The 87-year-old said, "Well, I eat rye bread every day. It keeps your energy level high and you'll have Great stamina with the ladies." So, on the way home the 80-year-old stopped at the bakery.  As he was looking around, the saleslady asked if he needed any help. He said, "Do you have any rye bread?" She said, "Yes, there's a whole shelf of it. Would you like some?" He said, "I want five loaves." She said, "My goodness, five loaves! By the time you get to the 3rd loaf, it'll be hard." He replied, "I can't believe everybody knows about this shit but me."

How to speak effectively on phone....

Selling tips..

Most sales begin with a phone call. To be effective on phone, a salesperson has to be speak well with confidence. Otherwise no prospect or even customers might be interested to entertain these unattractive calls.

The most ideal way to start an introduction over the telephone is to speak with a high pitched voice. The voice has to be cheerful, friendly, exciting and confidence. The receivers must be able to feel all these qualities, though they could only hear the voice. Eyes have strong senses but the ear is equally powerful to listen and to determine the strength of the callers. No one likes to befriend a caller who shows a weak personality. 

Thirty years ago when I first started to be a life insurance agent, I had to train myself to speak effectively right. Each morning when I made those cold calls on the phone, I spoke in front of a small mirror placed on top of my working desk. And whenever I spoke with anyone, I made sure my face was smiling on the mirror in front all the time. I believe a smiling self speaks better with cheers all round and a happy person always attracts energy. At the same times, I recorded all those tele-conversations and to be listened again while driving to work. The looking at the mirror while speaking, and correcting the mistakes through the recordings really helped me to be excellent caller on phone. Today! All my clients love to hear my telephone's voice 

Food for thought - "If your own mind is muddled, much more will the minds of your hearers be confused" ~ Dale Carnegie

Bald head man is intelligent......

Having a coffee chat with Professor Harcharan Singh, he enlightened me with his humorous wisdom.

Though Harcharan is a Sikh, he doesn't wear turban. His head is bald and his beard is mushy all over his face. Yes! He is a young man of 70 years. I asked him, "Professor, you do have a lot of hair on your face but why your upper top is hairless. And I'm pretty sure, your bottom has even more hair."

Professor replied, "Gravity is the reason!"

Sitting across our table was Tham, another young man of 77 who still works as a contractor. Looking at Tham I said, "Professor! Tham has hair on his head but no beard like you. What is the logic then?"

Intelligently Professor replied, "When you don't think much, you would have more hair on your head!!!"

Pondering over his statement I laughed. I still have a lot of hair on my head. What about you?

Do you know - "Anyone can be confident with a full head of hair. But a confident bald man - there's your diamond in the rough" - Larry David.

Today is my 2000th Post......

Hooray! Today is my 2000th posts, since I started to blog in 2007. Time really flies! When I first began to write here, I thought it was merely a short period of time before I might call it off. BUT! I got addicted to it because I didn't know my mind had so much to share, not only talking but by writing as well. On top of it, blogging allows me to gather so many friends and readers from all over the globe. 

Talking is my hobby. One can talk well, might not write well. That applies in me too absolutely. However while having this interest to blog, I had the opportunity to learn to express myself in writing. Today! Writing no longer is a difficult task for me. With more support and guidance from my International Readers, I'm sure I could even improve further. 

To all my regular and supportive readers, I say... "Thank you so much for reading my blog." 

Buy when you don't need it!!!!

Life is really so fun....

Thirty years ago when I first started to sell life insurance, most of my young prospects were unwilling to buy this unheard products from me. Either they didn't have the extra cash to buy or they thought the needs were not there. I had to see twenty or more prospects to close one case. Sometimes even the one case I closed could be terminated after effecting within a month because the client had so much of negative thinking in holding the insurance then. Selling those days were really very tough and difficult. 

What about today? Is definitely much easier. No need to prospect or cold call. Potential customers were introduced and they are willing to sign up immediately. They certainly know the needs and benefits of life insurance. But!!!! I could not sign them up because either they are too old to be insured or they are not healthy and have medical problems. No life insurance company would accept unhealthy customers. They want to buy and yet I could not sell to them. 

Funny isn't it? When they were young they refused to accept my offer, and when they realised what I said were true, it's always too late to be accepted. 

Conclusion: Buy Life Insurance when you don't need it because when you need it, you can't buy!!!

Super Storm Sandy is a woman....

Last week the Super Storm Sandy caused havoc over the east coast of America. Many lives were killed and the damages exceeded billions. Never in their history that such storm could be so devastating.

In our male sauna room while relaxing ourselves, I threw the subject over with the members.Why Super storm has to be named with a woman's name? Why not a man's name? Can't it be called Robert or Randy? Sandy is a woman! Everyone was laughing. Perhaps man is no longer as wild as woman now. Woman is super great, they are more intelligence, they are more fearful and they can tear a house down if they want to. Even a great advance nation like America respects woman, they rather post the Super storm with a woman's name. Haha!!

Someone said why don't we asked our pastor who happened to be with us in the sauna. Pastor put his view. There are more Goddess than God's name. Most Goddesses are great and powerful, and naming the Super Storm with a woman's name is appropriate. Sorry gentleman, we have to give way to woman who has changed the entire world of today.

Food of thought - “A woman is like a tea bag; you never know how strong it is until it's in hot water.” - Eleanor Roosevelt.

INDIAN EXPLAINS DAYLIGHT SAVINGS TIME

If you are one who finds that there isn't sufficient time a day for you to be fruitful, I have found a solution for you....

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The Samosa Vendor - Rags to Riches.

Certainly an eye opener! Unbelievable!!!

A short, but, a real story. shared to me by an Indian friend....

Today in India it's unbelievable .......the numbers are a little difficult to swallow, but interesting nevertheless.

It was my regular train journey home from work.I boarded the 18:50 pm train from Paranur. When the train was about to leave Guduvanchery, a samosa vendor with an empty basket got on and took the seat next to me. As the compartment was sparsely occupied and my destination was still far away, I got into a conversation with him. 

Me: "Seems like you've sold all your samosas today." 

Vendor (smiling): "Yes. By God's grace, full sales today." 

Me: "I really feel sorry for you people. Don't you get tired doing this tiresome job the whole day?"

Vendor: "What to do, sir? Only by selling samosas like this every day do we get a commission of 75 paise for each samosa that we sell."

Me: "Oh, is that so? How many samosas do you sell on an average each day?"

Vendor: "On peak days, we sell 3,000 to 3,500 samosas per person. On dull days, we can't even move 1,000 samosas a day. On an average, we sell about 2,000 samosas a day."

I was speechless.....for a few seconds. The guy says he sells 2,000 samosas a day; at 75 paise each, he makes about 1,500 rupees daily, or 45,000 rupees a month. That's Rs 45,000 a month. OMG. I intensified my questioning and this time it was not for time passing.

Me: "Do you make the samosas yourself?"

Vendor: "No Sir. Our proprietor gets the samosas through a samosa manufacturer and we just sell them. After selling we give him the money and he gives us 75 paise for each samosa that we sell."

I was unable to speak a single word more but the vendor continued..."but one thing for sure...most of our earnings are spent on living expenses. Only with the remaining money are we able to take care of other business."

Me: "Other business? What is that?"

Vendor: "It is a land business. In 2007 I bought 1.5 acres in Urupakkam for 3 lakh rupees and I sold it a few months back for 15 lakhs. Now I have bought land in Uthiramerur for 5 lakh rupees."

Me: "What did you do with the remaining amount?"

Vendor: "Of the remaining amount, I have set aside 6 lakhs for my daughter's wedding. I have deposited the other 4 lakhs in the bank."

Me: "How much schooling have you had?"

Vendor: "I studied up to third standard; I stopped my studies when I was in the 4th standard. But I know how to read and write. Sir, there are many people like yourself, who dress well, wear a tie, wear shoes, speak English fluently and work in air-conditioned rooms. But I don't think you guys earn as much as we do wearing dirty clothes and selling samosas."

At this point, what could I reply. After all, I was talking to a millionaire! The train chugged into Chromepet station and the samosa vendor got up from his seat.

Vendor: "Sir, this is my station...have a good day."

Me: "Take care." 

What more is there to say..