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Wednesday, December 31, 2014

B&C Events: Muscat Property Fair - 27th & 28th Feb 2015..!

Stall Bookings Open.
Limited Stalls.
First cum first serve basic. 

B&C Events organised a property fair in at  February - 27th & 28th  2015

* Tamilnadu, Kerala, Karnataka & Andhrapradesh Properties are displayed

* 20 Leading Builders in one roof.

* Hassle free transactions

* Special Discounts

Al Falaj Hotel, Muscat, Sultanate of Oman.

Date: Feb - 27 and 28  2015

Time: 10 am - 8 pm

For More details
-Mr. Arasu Alagappan
Hand Phone : 098410 76576

Nanayam Vikatan, Birla Sunlife Mutual Fund : Investor Awareness programme at Trichy


Nanayam Vikatan and Birla Sun life Mutual Fund : Investor Awareness programme at Trichy

Chennai based leading personal finance magazine Nanayam Vikatan and India's fourth largest Mutual fund company under asset management, Birla Sun life Mutual Fund organising a mutual fund Investor Awareness programme at Trichy.

January 4 , 2015

Femina Hotel, Near Central Bus Stand, Trichy

Timing 10.00 am to 1.00 pm.,


Mr. V. Nagappan, Investment Advisor
(Ex - Director,
Madras Stock Exchange), Oriental Stocks, Chennai

V. Nagappan
Mr. A. Balasubramaniyan
Birla Sunlife Mutual Fund

A. Balasubramaniyan
Mr. K.S. Rao
VP and Head - Investor Education,
Birla Sunlife Mutual Fund

K.S. Rao
Entry Free

Prior registration is a must.

Type  NVMFTRY (space) Your Name  (space) Palace  send SMS to 562636

Tuesday, December 30, 2014

Victory Plots & Flats Pvt. Ltd: Plots at MELMARUVATHUR - ACHARAPAKKAM

Victory Plots & Flats Pvt. Ltd to launch new project at Melmaruvathur near Chennai.

Residential Plot for sale with PANCHAYAT APPROVAL.

Approved land price per Square Feet Rs.325.

The layout is located near Melmaruvathur Railway Station within 5 minutes reach site.

The layout nearby Holy Fathima Nursery & Primary School.

Canara Bank, Medical Shop, Bus Stop & Houses are located at opposite side layout.

Just 5 Minutes Distance from Chennai – Trichy NH – 45 Road to Site.

Just 15 Kilometers Distance from Site to New Cheyyur Power Plant.

For site visit and Plot Bookings

Cell : 95518  77720
         90924 36230
Victory Plots & Flats Pvt. Ltd.,
Chennai - 600 056.

Monday, December 29, 2014

MCX Trading Holidays 2015 List

MCX Exchange has issued a circular regarding “Trading Holidays 2015” – circular no. MCX/T&S/408/2014.

MCX Trading Holidays during the Calendar Year 2015

In terms of the provisions of Rules, Bye-Laws and Business Rules of the Exchange,
The  Members are notified as under:

FMC, vide its letter no. 6/2/2006/MKT-III(Vol-II) dated December 24, 2014, has approved the list of trading holidays to be observed by the Exchange during the calendar year 2015.

The list of Trading Holidays for the calendar year 2015 is as under:

No    Holidays  Date     Day of week   Normal  Session  (10 am to  5 pm) Evening Session (5pm to  11.30/11.55 pm)

1 New Year’s Day    1-Jan-15  Thursday  Open  Closed
2 Republic Day      26-Jan-15  Monday  Closed  Closed
3 Mahashivratri     17-Feb-15  Tuesday  Closed  Open
4 Holi                       6-Mar-15  Friday Closed  Open
5 Mahavir Jayanti   2-Apr-15  Thursday Closed  Open
6 Good Friday      3-Apr-15  Friday Closed  Closed
7 Dr. Ambedkar Jayanti   14-Apr-15  Tuesday  Closed  Open
8 Maharashtra Day    1-May-15  Friday  Closed  Open
9 Buddha  Purnima     4-May-15  Monday  Closed  Open
10 Independence Day   15-Aug-15  Saturday  Closed  Closed
11 Ganesh Chaturthi   17-Sep-15  Thursday  Closed  Open
12 Bakri ID (Idu’L Zuha)  25-Sep-15  Friday  Closed  Open
13 Gandhi Jayanti          2-Oct-15  Friday  Closed  Closed
14 Dassera                      22-Oct-15  Thursday  Closed  Open
15 Diwali - Laxmi Puja    11-Nov-15  Wednesday  Closed  Open from 6 pm
16 Diwali – Balipratipada  12-Nov-15  Thursday  Closed  Open
17 Guru Nanak Jayanti    25-Nov-15  Wednesday  Closed   Open
18 Id-E-Milad (Prophet  Mohammad’s) 24-Dec-15  Thursday  Closed  Open
19 Christmas   25-Dec-15   Friday Closed  Closed

Members are requested to take note of the same.
Kindly contact Customer Support on 022 - 6649 4040 or send an email at for further clarification.

----------------------------------------------- Corporate office -----------------------------------------------
Exchange Square, CTS No. 255, Suren Road, Chakala, Andheri (East), Mumbai – 400 093
Multi Commodity Exchange of India Limited
Tel.: 022 – 6649 4000 Fax: 022 – 6649 4151


For More Details 
Mr. Rajeesh.R, Business Development | 
MCX ( | Gr.Floor, Omega Wing, 
(Annexe Building) Raheja Towers, 
177 General Patters Road, Anna Salai, Chennai - 600 002 , 
 Phone: +91 - 44- 2860 1682 



ARE Ghee AND vegetable Ghee the same?


Seminar on 3rd January 2015  
Time:  10 a.m. to 01.00 p.m

Venue: Youth Hostel, Indira Nagar, Adyar, Chennai - 600 020     

Where we will present the findings of our Comparative Testing of Chili Powder and Ghee

Comparative Testing is a formal process by which products & services of different brands are tested for Quality, Health & Safety and the results against the major criteria are presented fairly without any subjective element.

CONCERT has been conducting comparative tests of various products and services that are commonly consumed / used by the consumers in 5 States of  South India.

At this seminar on 3rd January, the CONCERT Team shall present their findings based on the tests conducted by them.  We would deeply appreciate your participation or deputing your Correspondent to cover the program and disseminate the information amongst your vast readership base.

Some important points to note:  ChilLli Powder

·      What gives  the red COLOUR to chilli powder – is it  due to a synthetic dye or any other additive?

·         How does the pungency of chili powder vary from region to region?

·         India is world’s largest producer and exporter of Chilli.

·         Chili is adulterated with synthetic oil soluble colours like Sudan I, II, III & IV.

·         75% of people purchase chili powder by brand name only.

·         40% have said that they have come across synthetic colour

·         Ghee is a class of clarified butter obtained from the milk of cows & buffaloes.

·         Vegetable Ghee is hydrogenated vegetable oil also known as vanaspathy.

·         Vegetable ghee contains trans fat.

·         It is proven that Transfat increases the risk of coronary heart disease.

·         Consumption of ghee is recommended if you are free from cardiovascular diseases.

·         Recommended intake of ghee for a day is 10 to 15 grams per person.

Do participate in this seminar, gather valuable information and join us for refreshments thereafter.

Please contact for Regn & other details: Mr.M.Somasundaram- 094442 53739

Email :,

Adequate Life Cover : Home Loan Insurance..!

Anyone has adequate life cover (Nearly 150 times of his monthly income.(example).
If any monthly salary is Rs.20,000 , life cover should be for Rs. 30 lakhs) then he/she can take a separate housing loan insurance.

In case, he/she already has adequate life cover then he/she can take a housing loan insurance with the Sum Assured depreciating in line with the outstanding loan amount.
This means, in this case the initial Sum Assured will be Rs. 25 lakhs, but as the loan outstanding decreases the Sum Assured in the policy also gets reduced accordingly.
In the event of uncertainty, an amount equal to the outstanding home loan amount will be paid by the policy to settle the loan.

In such a policy the premium payable is calculated based on the Sum Assured which keeps reducing and this premium will be lower than the premium of a term plan in which Rs.25 lacs will be the Sum Assured all along the tenure of the policy.

In case he does not have adequate life insurance cover, he / she can take a term plan for 

Rs. 25 lacs or if possible even more, as at the event of uncertainty , the nominee would get the entire Sum Assured, which the applicant opted for initially.

So, in this case the nominee would have an amount which the difference of the Sum Assured & outstanding loan amount left with him/her after settling the loan which the nominee can keep for the future financial needs.

In short, one should not think about Life Insurance (life cover) only when he / she takes a housing loan / car loan, instead one should have adequate life cover to protect his/her family in the event of uncertainty, regardless of he/she having or / not having a loan.

The above example Monthly salary Rs. 20,000. Life insurance coverage should be for Rs. 30 lakhs. The personal taken a home loan about Rs. 25 lakhs. Then the person will take a total life cover Rs. 55 lakh. The policy would be term plan is better. 

Agricultural Land in Certain Areas is Not Capital Asset..!

by Ms. Parizad Sirwalla, Partner (Tax), KPMG

For capital gain purposes, an agricultural land situated in specified areas is not considered as capital asset. If you are planning to sell such land, there will not be any capital gain tax implications on sale.

In other cases, depending on the period of holding, there would be tax implications on sale of agricultural land. We have assumed that the said agricultural land is not situated in a specified area and therefore, the gains, if any, resulting from sale of land shall be taxable.

You may confirm the specified area as referred in section 2(1A) of the Income tax Act, 1961. In case of inheritance, the period of holding of house shall be reckoned from the acquisition date of land by the owner who has actually acquired the said land other than by inheritance, gift, and so on.
Parizad Sirwalla,
Partner (Tax), KPMG
As the land has been held for more than 36 months from acquisition date, the same shall be termed as long-term capital asset. If the net sale proceeds exceeds the cost of acquisition, then resulting gains shall be taxable as long-term capital gains (LTCG) in your and your daughters’ hands in the respective proportion of the share.

The cost of acquisition shall be the cost at which the previous owner, who has actually acquired the house other than by inheritance, gift, and so on, bought it.

Further, since the land had been acquired prior to 1 April 1981, you have an option of taking the actual cost of acquisition or fair market value (FMV) of the property as on 1 April 1981.

Accordingly, while calculating the LTCG, the cost of acquisition shall be the price at which the original owner had acquired the house or FMV as on 1 April 1981, according to your choice.

The cost of acquisition will have to be indexed by multiplying the original cost of acquisition or FMV if any, by the notified Cost Inflation Index (CII) for the year of sale and dividing by the CII of the year of purchase of the house by the original owner or during the financial year (FY) 1981-82 if FMV has been considered.

The cost of improvement, if any, has to be indexed as well. With respect to the portion (proportionate to your share in the inherited land) of LTCG taxable in your hands, an exemption from LTCG tax can be claimed by re-investing the net sale proceeds in one residential house located in India as per section 54F, subject to specified conditions. The aforesaid investment must be made within the specified time frames (that is, within one year prior to sale date or two years from the sale date or within three years for an under-construction property).

One of the specified condition categorically requires that while claiming LTCG exemption, you should not own more than one house (other than the new house), on the date of sale of the old land. For your share of LTCG, you can claim an exemption in the ratio of your share of net sale proceeds resulting from sale of old land re-invested into new house. Where the cost of new house exceeds proportionate net sale proceeds resulting from sale of old plot, entire LTCG should be exempt from tax.

However, where the cost of new house is lower than the proportionate net sale proceeds, LTCG is exempt from tax in proportion of cost of new house to the net sale proceeds.

Accordingly, the balance LTCG shall be taxed at 20.6% (inclusive of education cess). Additionally, if total taxable income during FY2014-15 exceeds Rs.1 crore, surcharge at 10% on basic rate (i.e. 20%) should be applied. If you are unable to re-invest the net sale proceeds into new house before filing the tax return for the FY of sale of house, then said unutilized balance sale proceeds should be deposited into the Capital Gains Account Scheme (CGAS) before the due date of filing the personal tax return.

The amount deposited into the CGAS should be utilized for purchase of a new house within aforesaid deadlines. If you are unable to utilize the amount deposited into CGAS within the aforesaid timeframe, then the unutilized amounts shall be taxable as LTCG in the FY in which three years from sale of old land has lapsed. If your total income for the FY as reduced by said LTCG is below the basic income exemption threshold for the said FY, then such LTCG shall be reduced by the amount by which the total income so reduced falls short of the basic income exemption limit.

The balance LTCG shall be taxed at flat rate of 20.6%. Alternatively, you can invest LTCG in specified bonds issued by the National Highways Authority of India or Rural Electric Corp. Ltd under section 54EC. The investment should be made within six months from sale date of old land subject to threshold of Rs.50 lakh and fulfilment of specified conditions. Please note that the investment in new house or specified bonds has a lock in period of three years.

Accordingly, if the new house is sold or the bonds are converted into cash within a period of three years, the exemption claimed from LTCG in respect of old land shall be revoked. If you take any loan or advance against the security of the said bonds, the same shall be deemed to be converted into cash. It would be advisable to consult a lawyer for documentation.

Investors & Overheated Market by Mr. Warren Buffett

Investing Mantra's - Share Investing

"Investors making purchases in an overheated market need to
recognize that it may often take an extended period for
the value of even an outstanding company to
catch up with the price they paid."

- Mr. Warren Buffett 

Terminology - Financial Planning - Account

Terminology - Account - Financial Planning, Economic

A record of financial transactions for an asset or / individual, like at a bank, brokerage, credit card firm, or retail store.

More generally, an arrangement between a buyer & a seller in which payments are to be made in the future.

Life Insurance Cover: With Guarantee or Bonus

by Nirjhar Majumdar, ZTC

Going by returns, life insurance products fall under various categories.

With-profit products give returns in the form of various bonuses at the time of claim payments while there are products that give loyalty additions if the policy runs for a minimum number of years.

Some products give returns in the form of guaranteed additions.

Let’s see what these guaranteed-return products are and whether they are superior to with-profit products.

What guaranteed-return products are..!

In these products, a certain amount per thousand of sum assured is added every year. If the sum assured is Rs. 1 lakh and the insurer offers a guaranteed return of Rs. 40 per thousand, at the end of 3 years, the total guaranteed amount accrued is Rs. 12,000.

If a death claim occurs at this point, the claimant gets Rs. 1.12 lakh. If the policy matures after 20 years, the life assured gets Rs. 1.8 lakh.
Many people think these products are great since they know the exact amount they will get at the end of the term.

They thank the insurers for the ‘certainty’ factor — there is no such surety in endowment or whole life products.

The question is, does the insurer give any return for such products? The insurer collects a premium that enables him to pay the guaranteed sums at various points during the term.

The insurer is not doing the life assured a favour with the guaranteed additions. Again, the insurer
rarely guarantees a high return for such products.

Do they score over with-profit products?

With-profit products work under a completely different mechanism. They declare bonuses based on the valuations of the insurer’s assets and liabilities. The contribution made by the policyholder, who has purchased a specific product, is taken into consideration while declaring the bonus. This is scientific and, at the same time, transparent for all. Insurers all over the world declare bonuses on the basis of annual valuations.

What fits your bill?

It depends on the valuations of a particular class of product. In guaranteed-return products, the life assured knows what he will get. He pays the requisite money for that guarantee. In a with-profit plan, that’s not the case. According to the Insurance Regulatory and Development Authority’s (Irda) regulations, each insurer has to declare bonus product-wise. The favourable performance of one product line can not subsidise the poor performance of others.

Insurers have prudent underwriting procedures. They know how to select and classify risk. They charge extra premium from those with a greater mortality risk.

The management expenses of such insurers are not very high. They are disciplined while investing the policyholder’s money, making desired changes in the premium structure. They advise field officials to select lives carefully. They also take action against agents who bring bad lives repeatedly.

People should not buy a product just on the basis of a company’s advertisements and the agent’s assurances. They must research about the product.

According to Irda’s instructions, each insurer has to disclose information on the bonus declared, persistency ratio and incidence of early claims, among other things. A lot of valuable information is available on the regulator’s website, which customers must go through to take an informed decision.

Cover all bases

* Don’t buy a product based just on the company’s advertisements and the agent’s assurances. Research the product

* Insurer need to disclose information on the bonus declared, persistency ratio and incidence of early claims, among other things. A lot of valuable information is available on the regulator’s website, which customers must go through

 About the author..

The writer Nirjhar Majumdar is research associate, ZTC, Kolkata.The views are personal

Sunday, December 28, 2014

Postal Life Insurance from Rs. 20 lakh to Rs. 50 lakh..!

To mark the Good Governance Day (December 25), Telecom Minister Mr. Ravi Shankar Prasad on recently announced that the limit of postal life insurance has been raised from Rs. 20 lakh to Rs. 50 lakh.

 Besides launching one-month rental free MTNL broadband and landline combo plans on new bookings.

The 21 schemes he announced also included support for international patent protection in electronics and an Internet based real time system to provide eServices in rural India.

December 25 - Good Governance Day..!

Good Governance Day - December 25

December 25 is being celebrated across India as Good Governance Day, which Prime Minister Mr. Narendra Modi has said was ushered in by the previous NDA regime led by Mr. Atal Bihar Vajpayee and is being carried out in this government. It also coincides with Vajpayee's birthday.

"Good Governance can be effectively achieved through the vision of Digital India of digital infrastructure as a utility to every citizen, governance & services on demand and digital empowerment of citizens" Telecom Minister Mr. Ravi Shankar Prasad.

Home Loan: Partial Prepayments The Best way to Go..!

By Mr.Adhil Shetty,

A financial necessity in today’s world, loans are a double-edged sword.

If managed well, they are a boon, but if handled recklessly, they can easily drain your savings. Borrowers often find it difficult to handle their loans due to various reasons. Let’s look at some simple and effective tips to manage your loans effectively.

Partial Prepayments: The best way to go..!

Getting rid of debt is great for financial health, but you may not always be in a position to repay the loan fully. Using your savings to close a loan will dent your pocket.

In case of a home loan, it is always better to make part payments rather than close it to enjoy tax rebates.

By increasing your equated monthly instalments (EMIs), you can repay the loan much earlier than its full tenure. This will help you save on interest and, at the same time, bring you tax rebates. Any one-time income or windfalls, such as bonuses and gains from real estate or markets, can be used to prepay home loans.

Close the costlier one first..!

Sometimes, you might be in a situation where you cannot help but go with a personal loan or a credit card cash advance. If the EMI is something you can afford, it is natural for you think: “let it go”.

But, remember, the decision to stay with expensive loans till the tenure gets over could prove costly.

Balance transfer..!

If you have taken a home loan at a high rate of interest and your bank is not cutting rates (in line with lower rates being offered by other lenders and better market dynamics), it is a good idea to consider switching the loan to another bank. Banks are always keen on retaining good customers.

As a first step, do discuss your concerns with the existing bank to see if you can bargain for a lower rate. This will help you avoid the paperwork for switching to another lender.

Adhil Shetty,
Increase the EMI..!

Do you think you can afford a higher EMI? Ideally, your EMIs should not exceed 40-50% of your monthly income. If your EMI is much lower, increasing it could be an effective way to make sure the loan is repaid early. An increase in EMI can be requested for at any point during the tenure and, usually, there are no charges for it.

A Rs. 30 - lakh, 20 - year housing loan that comes at an interest rate of 10.5 % can be repaid in 15 years if the EMI is increased by an extra Rs. 3,200.

Step-up loans..!

Are you finding it difficult to manage your finances with the current debts? You can consult your banker for the step-up option, which allows you to pay a lower EMI initially. The EMI gradually rises over the tenure of the loan. With a step-wise increase in EMIs, the loan does not pinch the pocket as much.

The loan checklist..!

Pre- paying a home loan is better than foreclosing it. If you are finding it difficult to repay the loan, request for the step-down facility (as described above).

A car loan helps you buy a depreciating asset — the sooner you close it, the less costly the vehicle is. Since most car loans come with a prepayment penalty, clearing the balance in the middle of the tenure is better than closing it very early, when the pre-closure penalty will apply for a huge amount. In case of personal loans, get rid of the costlier ones as fast as you can. Convert them to top-up loans, loans against fixed deposits or loans against insurance, which are offered for interest rates of 10% to 14%.

Borrow only when there is no other option for you — too many loans not only wreck your finances but your credit score as well.
Coming up trumps

* By increasing your home loan EMI, you can repay the loan earlier, saving on interest and enjoying tax rebates

* If your home loan is expensive compared to current rates and the existing lender is not lowering rates, consider switching the loan to another
bank. First, discuss your concerns with the existing bank to see if you can bargain

* If your EMIs are a lot less than 40-50% of your monthly income, increase them to repay the loan early

* If you are finding it difficult to manage your finances with the current debts, consult your banker for the step-up
option, which allows you to pay lower EMIs initially. The EMIs rise gradually over the tenure of the loan

* Since most car loans come with a prepayment penalty, clearing the balance in the middle of the tenure is better than closing it very early, when the pre-closure penalty will apply for a huge amount

About the author

The writer Mr. Adhil Shetty is CEO at

India Building Construction Permit Time Taken is 222 Days..!

A construction permit requires, among others, mining licence, tree cutting approval, borewell registration certificate, no-objection certificate to operate a genset, change of land use approval & a microwave licence.

Then there are approvals required from Airports Authority of India, railways ministry, National Highways Authority of India, environment ministry, ministry of defence, Pollution Control Board and Coastal Zone Management Authority.

Incidentally, some developers this reporter spoke to had no clue about what a microwave licence stood for.

There are, on an average, 35 permissions required only to obtain a construction permit (in some cases more than 50), which takes at least 227 days, according to the 2013 World Bank report on ease of doing business.

No wonder the report puts India at 182nd position among 185 countries on the ease of issuing construction permits.

In comparison, it takes all of 26 days in Singapore, 67 days in Hong Kong and 69 days in Mexico to obtain such a permit.

Mr. Anshuman Magazine, CMD(India), CB Richard Ellis said, "It is not that clearances are not required in other countries. But elsewhere the onus is on government officials to give time-bound permission"

Mr. Navin M Raheja, chairman, National Real Estate Development Council, "We remain so preoccupied with obtaining multiple clearances and paying multiple taxes that there is very little time left for focusing on improving quality of construction, timely delivery and research and development"

According to a KPMG report, the lengthy process of obtaining permits leads to cost escalation of 20% to 30%. And, multiplicity of taxes account for 30% to 35%of total housing cost.

"In Noida or /  Ghaziabad, you can get a mining licence only if you approach authorities through a syndicate. The deal is to forego your rights over sand that comes out of digging. Deal makers make crores of rupees by selling that sand. But, that is a small price you will have to pay to cross the first hurdle," a senior official of a Ghaziabad-based developer told BS reporter. He and scores of other officials who gave inputs for this story refused to be identified, fearing also the wrath of officials working for development authorities. "The officers who give clearances are the ones who do inspection also. We can not afford to annoy them in any way," he added.

Obtaining a construction permit is just the beginning of the story. Much bigger hurdles, requiring constant "dealing" with officials of development authorities follow, say officials associated with private developers.

"The toughest challenge for all developers is to follow building bylaws. They were written some 30 to 40 years ago. If they are followed in letter and spirit now, all developers will lose money. So, they look for entering into some kind of a deal with officials. Bigger the size of the deal, the greater the flexibility of builders to vary from bye-laws," said a builder who has projects in Ghaziabad and Greater Noida. He requested not to be identified.

A 2013 report of the committee on streamlining approval procedures for real estate projects constituted by the ministry of housing & urban poverty alleviation says: "Some stipulations (of bylaws) are so complex that even experienced technical person or architect find them hard to understand and in the process, tend to violate the laws. Some areas of building bye-laws provide scope for ambiguity, which brings in lot of discretion power vested to the authority/officer, who can play with the applicants by rejecting without proper reason or / cause delays. This paves way for collusion and corruption."

"You can get a floor added to the approved plan, floor area ratio (FAR / Floor Space Index - FSI) wrongly calculated, the leeway to convert parking slots into store rooms or converting green spaces into parking slots-officials either have the power to approve them or just overlook them if you keep them happy. All this happens because our bye-laws have become archaic," added the developer quoted earlier. He pointed out that obtaining occupancy and completion certificates is another area where officials of development authorities have chance to cut "deals".

It is not that authorities are unaware of all these flaws in the regulatory regime. The committee had observed that "most of the sanction and certification processes in building permission lack transparency & are ridden with systemic corruption at various levels.

The decision-making process of sanction / rejection is not transparent and can be arbitrary. The deficiencies in the system give enough room for foul play by fraudulent persons operating within the system, harassing applicants/ builders for 'payments'. Deficiencies in inspection and certification of building completion (compulsory signing by official concerned) also promote corruption and /  or collusion."

Src: BS

Workshop on REAL SECRET TO BECOMING RICH : 29 December 2014 at Chennai ..!


MMA Complimentary Public Workshop on the topic
Monday, 29 December 2014

By Mr. Ganesh Kumar S, Founder and Director, Giant Leap

Ganesh Kumar S, Founder
 and Director, Giant Leap

Time: 6.00 pm to 7 30 pm

MMA, Opp S.I.E.T College, Teynampet, Chennai - 600 018

MMA is organising Complimentary Public Workshop on the theme “REAL SECRET TO BECOMING RICH” A COMPLIMENTARY WORKSHOP on Monday, 29 December  2014 at 6.00 pm at

21 / 11, 3rd Cross Street,
Seethammal Extension,
Teynampet, Chennai – 600018 for the benefit of MMA members and invitees.

Route Map to MMA is attached for your perusal and ready reference.

In the event of any difficulty in reaching the location, please feel free to call 044 - 2433 3757,  2431 3757.

Kindly reach the venue 15 meters earlier.

Route Map

You are cordially invited to join for light refreshments at 5.30 pm and attend the Complimentary Public Workshop thereafter.

A brief note on the topic “REAL SECRET TO BECOMING RICH”:


Most of our time is spent in generating income to manage our everyday life.
What if money was not a constraint?
How differently will you be living your life today?
What if, you could create a system that will ensure your income keeps flowing for the rest of your life?
That too without you having to put any or / very less effort towards it?

Yes, it is possible. People around the world are already doing it …

Spend time in living your dreams and goals instead of just hopping through life.  Learn the real secret to becoming rich and staying rich.

 About the Facilitator

Ganesh Kumar S, Founder
 and Director, Giant Leap
Mr. Ganesh is an Entrepreneur, Author, Certified Master NLP Practitioner and a Life Coach. He is the Founder and Director of Giant Leap, a transformation company that is into training, coaching & counselling.

He has his Masters in Business Administration from BIM (Bharathidasan Institute of Management), majoring in Marketing and Human Resources. He has an experience of 9+ years in the banking and training industry. 

He is a NLP (Neuro Linguistic Programming) Practitioner Certified by American Board of NLP, NLP Master Practitioner Certified by NFNLP (National Federation of NLP) and TA 101 (Transactional Analysis) certified by ITAA (The International Transactional Analysis Association).

Corporate Office - 
Arulvel, Second Floor, No.32,33,34, 
Vellalar Street, 
Chennai- 600024

Contact No : 044 - 42305053

For Training Requirements 9884071133

For Coaching & Counselling Appointments : 044 - 42305053

Email id 

Web Site:

For more details 

Gp Capt R Vijayakumar, VSM    
Executive Director    
Madras Management Association     
21/11 3rd Cross Street   
Seethammal Extension   
Chennai – 600 018.   
Tel : 24333757/24313757/42074220    

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