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Bi-Monthly Salora Newsletter
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December 2011 Volume 6 SIL Newsletter
EVERYDAY TIPS TO PROTECT YOUR ENVIRONMENTAt Home:
•Turn off the tap while you shave or brush your teeth•Replace tissues with towels•Switch off lights and appliances when not in use•Replace aluminum foil to pack lunch with cloth napkins•Take your bag to shop and don’t bring back plastic bags
Commuting to Work:•Try options like public transport, car pooling, biking, walking, work from home•If you must drive, go for fuel efficient vehicle and keep the tyres inflated•Turn off the engine if stuck in long traffic jams and red lights•Avoid sudden braking, high speeds and accelerate gradually to save on fuel
At Work:•Print only what you must •Keep your personal washable cup with you•Use one sided old print outs to make note pads•Keep an indoor plant at your desk•Turn off your computers, lights when not in use•Buy recycled office products and equipments and recycle office waste
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Our commitment to customer satisfaction and quality has helped us achieve the leadership position in the distribution segment.
We will strive harder and to the best of our capabilities to provide our customers with services, he has not experienced before and provides support in terms of quality in buying experience, which he would appreciate highly.
Over the years Salora International Ltd. has dedicated itself to improving the quality of life by introducing wide product range. Customer Satisfaction drives all our actions and we strive to establish Salora International Ltd. as a brand synonymous with trust
Salora International Ltd.has gained the trust of its valuable customers with innovative range of products and dedication towards quality. Over the past few years we have introduced many new product range in India including the revolutionary Salora Mobile.
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www.salora.com
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In a 4 season climate, its nice to know how to dress warmly enough to stay comfortable outdoors. Here are some tips for doing so.
Dress in layers
The more layers, the better. Dressing in layers of clothing does several things for you:
Layers fill up the space between you and your winter coat with insulation. An undershirt, a shirt, and a sweater each represent one layer. Your winter coat is yet another layer. The more layers of insulation, the better.
Layers tend to trap air better. If you have only an overcoat on, the warm air next to your body tends to leak out of the top and bottom of the overcoat as you make body movements. Layers help to hold this air in.
Layers allow you to regulate your body temperature more accurately. If you get too warm, you can always open up a layer -- starting with opening up the top of your overcoat and progressively opening up more and more layers as you get warmer and warmer.
Be aware that you lose more heat through your head than any other body part
This can be very deceptive. Your head never feels cold. Why? Because your body sends more heat to your head than any other body part to protect it.
Keeping your brain warm is so critical that your body will sacrifice any other body part before it will let the brain get cold.
Just because your head does not feel cold does not mean you are not losing heat off the top of your head. Remember this forever! You will not feel yourself losing heat off the top of your head, but you are!
The reason your feet and hands are cold is because you are losing heat in the head area. Why? Because hands and feet are low priority and your head is top priority.
If you will prioritize keeping your head warm, you will have won half the battle in keeping your body warm. 14
Shekar who had come from a smaller town was shocked that someone could pay so much as rent. He wondered aloud that Manish was doing a foolish thing to pay rent to someone else, why not pay the same amount as EMI and get a home loan. Over a period, the home would be yours- Shekar proclaimed. This got Manish thinking!
Why should I pay my landlord? Why not get a home loan, spend the same rent amount, and be the owner of the house?
However, Manish being the very mature person that he was, decided to test this with his mentors. He went to five of them and asked them to give one reason why he should not think of exchanging his monthly rental with an EMI? They said…
The “INTEREST”ing part
His father advised Manish that he personally had not taken a home- loan in lieu of staying on rent, as he could not digest giving his hard-earned money to a financial institution as interest. Manish countered this by saying that he was instead giving his hard-earned money to his landlord. To this, his father replied “true, but I have also simultaneously saved more money by staying on rent in a smaller house and will use that cash to buy a house outright” On buying a house worth 30 lakhs I would end up paying Rs 28 lakhs as interest to the bank over a period of 15 years (even at a low interest rate of 10% per annum), why should I do that? Manish now had one reason to rethink his idea.
What if you get posted to another city?
When he asked his colleague Angel the same question, she asked him what his career aspirations were. He said he wanted to be the Country Manager of his company in the next few years. Angel said that his aspirations itself were an answer to his question. If he got posted out of the city he will have to take a new house on rent in the new place and also pay the EMI for the old house. Although he could save some part of his EMI by renting out his “own” house, it was very rare that he would get the same or higher amount as rent. The risk of defacement, poor maintenance, irregular rent payments etc too was there to think of. Manish now had a second reason to rethink.
Continued on next page
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What happens when your family grows?
Manish asked his wife the same question. She replied saying that they were now only 3 of them (Manish, his wife and 2 year old kid). But they were planning to have one more kid. With four of them and regular visitors they would need a 3 or 4 bedroom house. But, if he takes a 2 BHK on loan, then he would be stuck with it for at least 15 years. With a rented home he could always move to a bigger house when needed!
It does not always end at the same rental amount
Manish decided to ask someone who had done the same thing (shifting rent to EMI). He spoke to Ajay, his boss. Ajay said that when he was on rent he used to pay 12000. But when he took a house he took it on an EMI of 22000 as the houses available at 12000 EMI were small and his wife kept saying that “it’s a onetime investment so let’s go for the biggest house possible”. This thought made them buy a house with a loan EMI that was almost twice the rent! From that day on Ajay had to be very frugal with his life style.
What if you lose your job/get a salary cut due to recession
Manish still thought he needed a strong reason. He went to his financial planner and told him all the reasons given by his advisors. His planner added to the list asking “what if you lost your source of income- how would you repay your EMI?”
Manish countered saying why should he worry about things like extra rooms, losing income or being posted out of town, as he could always sell his “asset” – the house! To this, his planner replied that Manish would have to understand that the house will not be his until the end of the last EMI and hence it was a myth to think of it as an asset.
Also, if he had to sell the house under urgency he would not get a good rate. His asset appreciation would be comparatively lesser as his principal would have reduced by minimal amounts in the first 5-6 years. To this he would have to add the broker charges, registration fees, pre-closure charges etc. Thus gaining very less for all the trouble.
Oh my god! I pay so much and yet I do not own the house! Manish now had very strong second thoughts of replacing his rent with a home loan EMI. Rather he decided to move to a cheaper rental home and invest the surplus in a “buy a house on a high down-payment fund” to raise at least 50% of the loan amount before going for a house.
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DecemberName Designation Department DOBMohit Gupta Executive F & A - Commericial 2-DecAjeet Jain Executive F & A - Commericial 3-DecDeepak Baptist Co-Ordinator Sales Support 4-DecSuraj Chauhan Executive F & A - Commericial 4-DecPankaj Kumar Sinha Executive F&A 5-DecAnkur Kashyap Executive Sales-Salora 6-DecMukesh Kumar Khanna General Manger Operation - CED 6-DecC. Shyam Sunder Engineer Service 7-DecSrilakshmi Team Leader Service 8-DecSaramma Alexander Steno F&A 9-DecKapil Sharma Manager Sales-Imaging 10-DecDhiraj Kumar Singh Executive F & A - Commericial 10-DecNishant Apratim Manager Lfr - Telecom 12-DecDevasish Das Manager Telecom Sales 13-DecMithlesh Nawani Co-Ordinator Service 14-DecT. Naveen Raj Manager Telecom Sales 15-DecT.K. Patel Peon F & A - Commericial 21-DecAnkur Bhatt Web Designer Sales & Marketing 24-DecGopal Jee Gupta Manager Telecom Sales 24-DecLaxman Singh Team Leader Service 24-DecManoj Ambikan Manager Telecom Sales 27-Dec
Bill Gates decided not to invest further in Punjab after receiving a letter from Mr Banta
To: Bill Gates, Microsoft
Subject: Problems with my new computer
Dear Mr. Bill Gates,We have bought a computer for our home and we have found some problems, which I want to bring to your notice...1. There is a button 'start' but there is no 'stop' button. We request you to check this.2. One doubt is whether any 're-scooter' is available in system? I find only 're-cycle', but I own a scooter at my home.3. There is 'Find' button but it is not working. My wife lost the door key and we tried a lot to trace the key with this 'find 'button, but was unable to trace. Please rectify this problem.4. My child learnt 'Microsoft word' now he wants to learn 'Microsoft sentence', so when you will provide that?5. I bought computer, CPU, mouse and keyboard, but there is only one icon which shows 'My Computer': when you will provide the remaining items?6. It is surprising that windows says 'MY Pictures' but there is not even a single photo of mine. So when will you keep my photo in that.7. There is 'MICROSOFT OFFICE' what about 'MICROSOFT HOME' since I use the PC at home only.8. You provided 'My Recent Documents'. When you will provide 'My Past Documents'?9. You provide 'My Network Places'. For God sake please do not provide 'My Secret Places'. I do not want to let my wife know where I go after my office hours.Last one Mr. Bill GatesP.S: "Sir, how is it that your name is Gates but you are selling WINDOWS ?”
Regards,Banta
19Contributed By : Ms. Harpreet Walia- Markering
Once there was a lark singing in the forest. The lark saw a farmer, stopped him and asked, "What do you have in the box and where are you going?" The farmer replied that he had worms and that he was going to the market to trade them for some feathers.
The lark said, "I have many feathers. I will pluck one and give it to you and that will save me looking for worms."
The farmer gave the worms to the lark and the lark plucked a feather and gave it in return.
The next day the same thing happened and the day after and on and on until a day came that the lark had no more feathers.
Now it couldn't fly and hunt for worms. It started looking ugly and stopped singing and very soon it died.
Moral of the story?The moral is quite clear what the lark thought was an easy way to get food turned out to be the tougher way after all. Isn't the same thing true in our lives?
Many times we look for the easier way, which really ends up being the tougher way.
20Contributed By : Anju Pruthi
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Mr. S.C. Gupta is working with us as officer in Personnel Department. He joined Salora pariwar on April 25th 1994. He is widely known as “Gupta ji”. Prior to joining Salora he has worked for more than ten years in different companies. Currently he is handling complete payroll of CED & SAVS.
As far as his personnel life is concerned he is blessed with two sons. Both the sons are independently doing their own business. He is having his own house in Noida, sector -34. Basically he belongs from Hathras. His hobbies are watching movie & reading magazines. His favorite sport is Volley ball. On holiday he used to spend much time with his friends & family members.
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Manager - LFR
Name : Mr. Love MishraDesignation : Manager - LFROffice Address : D-13/4, Okhla Industrial Area,
Phase-2, New Delhi-110020Contact No. : 9716000268Direct No. : 011-29207137Reporting To : Mr. Gopal Sitaram Jiwarajka
Responsibility : Driving modern trade operations nationally
Area Sales Manager
Name : Mr. Dinesh ChaudharyDesignation : Area Sales ManagerBranch : AhmedabadContact No. : 9687677990Reporting To : Mr. Love Mishra
Responsibility : Managing modern trade operations for Ahmedabad
Name : Mr. Nishant ApratimDesignation : Area Sales ManagerBranch : PuneContact No. : 7798886280Reporting To : Mr. Love Mishra
Responsibility : Managing modern trade operations for Rest of Maharashtra
Area Sales ManagerArea Sales Manager
Name : Mr. Parashurama BDesignation : Area Sales ManagerBranch : BangaloreContact No. : 9844417586Reporting To : Mr. Love Mishra
Responsibility : Managing modern trade operations for Bangalore
Name : Mr. Mehul B. PatelDesignation : Retail Relationship ManagerBranch : Mumbai Contact No. : 9004059001Reporting To : Mr. Sarvesh Dubey
Responsibility : Responsible for modern trade sales of some parts of Mumbai & also look after sales at store level
Area Sales Manager
Name : Mr. Sarvesh DubeyDesignation : Area Sales ManagerBranch : MumbaiContact No. : 9930135285Reporting To : Mr. Love Mishra
Responsibility : Responsible for key account management for all modern trade chains based out at Mumbai
Retail Relationship Manager
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Name : Mr. Dhananjay KumarDesignation : Retail Relationship ManagerBranch : Head Office- DelhiContact No. : 9582893923Reporting To : Mr. Love Mishra
Responsibility : Responsible for modern trade sales of Delhi & also look after sales at store level
Retail Relationship Manager Retail Relationship Manager
Name : Mr. Syed AhmedDesignation : Retail Relationship ManagerBranch : HyderabadContact No. : 9703374111Reporting To : Mr. Love Mishra
Responsibility : Responsible for modern trade operations for Hyderabad
Retail Relationship Manager
Name : Mr. Yogesh Kumar PokhriyalDesignation : Retail Relationship ManagerBranch : MumbaiContact No. : 9967538342Reporting To : Mr. Sarvesh Dubey
Responsibility : Responsible for modern trade sales of some parts of Mumbai & also look after sales at store level
Retail Relationship Manager
Name : Mr. Kumar AjayDesignation : Retail Relationship ManagerBranch : Head Office - DelhiContact No. : 9582893922Reporting To : Mr. Love Mishra
Responsibility : Responsible for modern trade sales of Delhi & also look after sales at store level
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This section has been introduced to let you guys use some of your grey cells and spot 13 difference in 30 second
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With this newsletter we are providing an opportunity to all employees to share there thoughts, motivational or moral stories, an incidence worth sharing e.g. an unique achievement by your kid in school or sports, self written poem, share information about your regional dealers meet, a self clicked photograph, an unique regional recipe, want to sell something, etc. ……..
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You can send your entries for upcoming newsletter at [email protected]