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Saturday, October 31, 2015



 Kindly watch S.RAJASEGARANE’s Live Program (8th) " ENI ELLAM VALAME" in DEEPAM TV on 01/11/2015 (SUNDAY), between  8 p.m to 9 p.m.


.You can participate in the program & clarify your doubts regarding Housing Loan and can get ideas for pre-closing the Housing Loan.
              Don't miss to watch the Program

The Team
S.RAJASEGARANE - 9894318881
Chartered Financial Planner
Financial planning specialist

Puducherry – 605013

Friday, October 30, 2015

German Federal Ministry of Education and Research celebrates 'Green Visionaries' from around the world in Berlin

German Federal Ministry of Education and Research celebrates 'Green Visionaries' from around the world in Berlin..!

German Federal Ministry of Education and Research celebrates ‘Green Visionaries’ from around the world in Berlin

Arun Prasad Kumar, an Indian awarded in Berlin among 27 winners of Green Talents 2015
The 7th"Green Talents –International Forum for High Potentials in Sustainable Development” culminated in a festive awards ceremony today. Mr. Wilfried Kraus, Head of the BMBF Directorate "Sustainability, Climate, Energy", honored 27 young scientists from 20 countries, among them also India. The 27 year old Arun Prasad Kumar, PhD student in Earth Remote Sensing and Geo-Information Technology from India got the opportunity to tour in Berlin and the eminent leaders from this Industry. This year's competition attracted over 550 applicants from more than 90 countries. The jury of experts selected 27 winners from this pool of talented researchers. From urban planning, biodiversity, renewable energy and resource management to the socio-political implications of new technologies, the winners covered an impressively broad range of academic research with diverse achievements.

This year's awardees were invited to participate in the two-week Science Forum during which they visited top locations for sustainability researchin Germany. Against the background of the current Year of Science “City of theFuture”,urbanissues in particular were brought into focus. The Green Talents gained a deeper insight into the country’s innovation system, learned about state-of-the-art approaches and technologies, and exchanged ideas with the country’s leading experts in individual meetings.
In his laudation, Mr Kraus emphasized the relevance of the Green Talents Programme for future international science cooperation: “We need international collaboration to tackle the challenges of our times. The Green Talents belong to a network consisting of 158 young researchers from all over the world striving for sustainability who are passionate about the work of science in Germany. Such international networks are essential for us to see the bigger picture, to develop new ideas and strong partnerships, and to enhance the transfer of technology from research into practical application.”

Please visit for more information about the background of the programme as well as this year’s competition and awardees.

Ajuba Celebrates An Unconventional Joy of Giving Week at AKDR Tower premises (OMR) of Ajuba


Spreading smiles, Ajuba Observes Joy of Giving

The love and joy of giving filled the air at Ajuba Solutions yesterday, as the country’s leading healthcare revenue cycle management service provider in Chennai observed the ‘Joy of Giving Week’ across its six facilities in the city. A thought that sprung from the old Adage ‘Charity begins at home’ was taken to a whole new level as; Ajuba’s employees came forth to fulfill wishes of its non-administrative employees.

The week-long event was themed ‘Heaven on Earth’ and it all began with building a wish-list of things that the non-administrative staff needed but could not afford. A bowl containing chits of these items were placed at different common points of access to the employees. Any employee passing by could pick up a chit and either individually or collectively organize to purchase the item and give it as a gift to these employees. The essence is that the whole activity was conducted in anonymity.
Ajuba Employees and Dhanalakshmi
from the Housekeeping staff who received
a wheelchair from Ajuba.

“I am emotionally moved by the efforts taken by my Ajubans to organize this activity. Very often we tend look beyond our boundaries to engage with the underprivileged and neglect the fact that we are surrounded by many close to us. This year’s joy of giving week celebration at Ajuba will indeed be an event to remember and as a family we will ensure to keep alive our spirits of sharing what we have with the ones in need. I highly appreciate and thank the team for organizing this activity and encourage many more such initiatives that will light up the lives of people in need. Ajuba will go a long way to ensure its commitment to its people and society at large” said Mr. Tony Mira, Founder & CEO, Ajuba Solutions India 

Sharing her experience in organizing the initiative, Hema Parikh, Director, HR at Ajuba Solutions India said, “Every year we reach out to the society in view of celebrating joy of giving. This year we realized we were going too far in search of communities to lend support while we had many within our reach. We decided to engage with our own non administrative staff who belonged to those communities and hence came up with this idea. Our core values are clear in terms of keeping our employees contented and motivated. These initiatives are indeed a reiteration of our efforts in keeping our core values alive”
Hema Parikh, Director HR at Ajuba gifting the Security Guard.

“It is touching to see that Ajuba cares for each and every employee’s needs and I would like to thank the organisation for this kind act”, said Dhanalakshmi, one of the Housekeeping staff who received a wheelchair for her sister.

About Ajuba:

Ajuba Solutions is a premier provider of revenue cycle outsourcing services to healthcare systems, hospitals, Physician practice groups, academic medical centers, medical equipment suppliers, and billing and receivables management companies in the US. The company partners with clients to provide a broad portfolio of customizable solutions, uncover and capitalize on hidden financial opportunities, improve productivity and ultimately increase their profits.

 Ajuba is part of the Miramed Global Services group which is headquartered in Jackson Michigan, USA. Miramed is a Leading global provider of revenue cycle management solutions to healthcare organizations in the US. Ajuba is part of the Miramed Global Services group which is headquartered in Jackson Michigan, USA. Miramed is a Leading global provider of revenue cycle management solutions to healthcare organizations in the US.  

Media Contact : Vishnuram | +91 98 41 255885 |

OPPO launches 4G Neo7 Smartphone in Tamil Nadu

OPPO launches 4G Neo7 Smartphone in Tamil Nadu

Now OPPO Enters fully to 4G time

OPPO, the global electronics and technology service provider that delivers the latest and most exquisite mobile electronic devices in over 20 countries, today launched the high speed and advanced technology “4G Neo7 Smartphone” in Tamil Nadu. The price is Rs. 9,990. The favourable 4G market is also playing a key role in the sale OPPO mobile phones.

Addressing the Media, Mr. Kai Feng, Vice General Manager, OPPO said, “India is a huge market with lot of diversity and our ability to offer a wide range of different devices drives our growth. The company aims to supply more quality 4G smart phones. Currently we have 4G in Find 7a, Find 7, R5, R7lite, R7 plus and Neo 7. Our ultimate aim is to focus more on solving the pain-points of customers. We aim to capture a decent market share and expect more than 200 per cent sales growth and 1.5 million unit sales by the end of fiscal 2015 in India. We aim to be among the Top three brands in Tamil Nadu by the end of 2016.

OPPO smart phones will be assembled in India in association with Foxconn, which are expected to hit the shelves shortly. The company is in talks with electronics assembly manufacturer Foxconn to start an assembly line for its smartphones in the Sri City plant special economic zone in Andhra Pradesh.

Kai Feng, Vice General Manager,
OPPO with the newly launched 4G Neo7
 Smartphone in Tamil Nadu.

OPPO has earmarked Rs. 25 crore for Branding in India for the current fiscal. The company is also working on expanding its retail presence in the country from 4,600 points of sale to 8,000-10,000 by the end of this year. OPPO is currently focusing on strengthening the offline channel. 1,000 engineers in research and development team and 50 percent of this workforce is working to understand and deliver the needs of Indian consumers.

Talking about the strategy and focus of the company in India, Mr. Kai said, “India is a very interesting market with significant growth still to be found in the sector.  The way consumers choose and buy smartphones is continuously evolving and you need to have a diverse portfolio of products and price points to appeal to a wide range of consumers. We are focusing only on retail Market, Right now we are retailing in over 20 major cities and regions across the nation, mainly through multi-brand stores. We are looking at more nation-wide channel partners so that we can satisfy the huge customer need at the earliest.

 “We are developing products domestically in China for the Indian market. We have a full fledged team working in China for Made for India products. We are also considering Make In India as well for the best interest of our consumers. For, Make In India- we are considering the assembly unit soon but our own factory will be planned by next year.”

About their sales strategy and market, Mr. Kai added “In India, we have sold around 400,000 devices and are targeting 1.5 million smartphones by end of financial year In Tamilnadu, we have sold about 40,000 devices and we are targeting for 1,50,000 smartphones by end of March 2016.  With new products launching in the Indian market, we aim to achieve this target. Based on the local insight, we will focus more on product planning in the year ahead and based on the consumer research, we will invest more in branding construction. Lastly, we plan to build a strong local team to deliver the best.”
“We are focusing on giving our consumer best of services in terms of quality, technology and features which can be very well seen in our current range of models. E-commerce channels are growing fast, but also the general trade/retail market is also huge and growing. We are mainly focussing on offline sales model, in tier 1 and tier 2 cities and plan to expand into tier 3 soon. We will build more exclusive OPPO shops and aim to bring more consumer satisfaction. By end of this year, we plan to produce new products that range between Rs. 8000 to Rs. 20, 000.”
Towards strengthening the distribution network and motivating and educating dealers and retailers, a meet is planned for them on Sunday and also to introduce OPPO’s 4G Time to all on 1st November 2015 at Leela Palace, Chennai.

About OPPO:
Oppo is a leading technology brand dedicated to providing consumers across the world. Oppo has more than 140,000 global point of sales across international market like South East Asia, South Asia, Africa, North America, Australia and the Middle East. At OPPO, we design, amnufacture and promote our own products, combining innovative technology with unique design, to ensure our customers always receive the best.
For further information, please contact: Mr. Satyan Bhatt, MD, Prism PR: 98400 85411,


Launches its first restaurant in Forum Sujana Mall, Kukatpally

BURGER KING®, the American burger chain is all set to launch its first store in Hyderabad on 1st November 2015 at Forum Sujana Mall, Kukatpally. 

With the opening of this store, BURGER KING® will now have 32 outlets across Delhi NCR, Mumbai and Navi Mumbai, Pune, Bengaluru, Chandigarh, Ludhiana, and Jalandhar since its launch in November 2014. With robust expansion plans, the brand now plans to expand its footprint across the southern region of India.

Commenting on the launch, Mr Rajeev Varman, CEO, BURGER KING® India said, “We are excited to open our first restaurant in Hyderabad and look forward to serving our much loved burgers, especially the WHOPPER®, to our guests here”.

Mr Varman added“India is a unique market. The taste palates though is experimental, mostly people like to savour the taste they are brought up with. That is why we have created an entirely new menu for India backed by extensive research and understanding of the local consumer preferences.  We did not carry products from abroad but carried concepts and the cooking platform and ethos that BURGER KING® is known for. BURGER KING® India’s menu is quite innovative and we wish to offer our customers a whole new experience in burgers. We wish to create a distinct identity and taste that our consumers with resonate with.”

The menu for India was tested through consumer research with 3000 consumers prior to the launch. The diverse menu was accordingly created to ensure quality offerings across price-points. Special emphasis was given to setting up an extensive vegetarian menu for India. Apart from the flagship WHOPPER®, which is available for Indian consumers in Veg, Chicken and Mutton, the brand has on offer a very unique and tasty Chicken Tandoor Grill burger and Chicken Keema burger which are a favourites across markets. 
Mr Rajeev Varman, CEO,

In its endeavour to offer innovative and great tasting products to customers, the brand has recently introduced Hi-Fries in three variants – Cheesy, Italian and Chicken. There is an easy upgrade to combo pricing where guests can upgrade any burger to a combo including fries and fountain drink at just Rs. 50/- across the menu.

The unique appeal for BURGER KING®lies in the quality and taste where the brand is conscious of its standards and uses 100 percent protein like chicken and mutton to form the patties and uses pulp of real fruit in its shakes. The quality is reflected clearly in the superior taste and helps the brand live up to its promise of 'Taste is King’.

In a constant endeavour to improve guest experience, Burger King has recently launched its delivery services in India. Capitalizing on online apps which are finding a huge appetite among urban customer, BURGER KING® has developed a single user-friendly tech enabled platform, to provide current and potential customers faster access to the much loved burgers at the click of a button. This speed of delivery has been centered around ensuring no compromise on product quality and is focused on enhancing overall customer experience.

BURGER KING® is a global chain of hamburger fast food restaurants headquartered in Miami, Florida, United States. Founded in 1954, Burger King® is one of the largest fast food hamburger chains in the world. Every day, more than 11 million guests visit Burger King® restaurants across 13,000 restaurants around the world.

BURGER KING® in India operates 32 restaurants across Mumbai and Navi Mumbai, Delhi NCR, Bengaluru, Pune, Chandigarh, Ludhiana, Jalandhar and now Hyderabad.

Media Contact:

Sudharshan Dundigal
Mobile: +91.81250 71566/ +91.92463 71566

Make this Diwali special with The Chennai Silks

Make this Diwali special with The Chennai Silks, Chennai

The Chennai Silks has brought in new and colorful range of garments for this year’s Diwali. 

Customers picking up sarees for Diwali at The Chennai Silks
The new range of dresses for the entire family include Kanji semi-transparent silk sarees, linen silk sarees, Gagri Long Netted Churidhar, Benares pattern Churidhar, Lehenga Sarees, Slim fit shirts and cotton pants, Indo-western suits, Velcro Veshti and Sherwani, sprill frock, pattu pavadai, enchanting Half saree, Men’s festive fashion, bridal collections, kids fashion, pretty salwar collections etc.
Kanchipuram Pure Silk
The Chennai Silks’ Gift Card, ranging from Rs. 500 upto Rs.10,000 gets you special discounts. 

For happy shopping experience, the management has put into place exclusive parking lots, where 200 cars and 500 two-wheelers can be parked!  
Payal Cotton Salwar Kameez

Piping hot food anytime at the ATM style “Food Box”, HDFC ATM for cash withdrawal and of course the unmistakable Chennai Silks staff courtesy and expertise will go a long way in making your visit a memorable one.
Gajiwala Half Saree
Customers can also shop online at contact: 044 2431 0888

Professionalize or Perish

Vinod Thakkar, a very successful Realtor from Mumbai, who started from scratch and now has over 20 offices in western India addressed the Realtors of Chennai on what are the factors that make for success in this challenging profession.

Regaling the audience with various anecdotes from his personal life and explaining how he overcame the negatives kept everyone in good humor throughout the presentation. He explained in detail about the nuances which attracts the customers and paves the way for success.
Vinod Thakkar, Square Feet Property, Mumbai
For example, he stressed the importance of small things like the way we present ourselves, friendliness during conversation with the customer, the neatness of office etc. While many focus on getting customers, they ignore these vital aspects which make the real difference in the long run.

Amit Damodar, President of NAR India CREAA, said that the Chennai chapter initiated quite a few new ideas which will benefit everyone concerned: the public, the buyer and the seller. This talk is the first of the series of professional interaction whereby members could learn from other successful realtors. The success of this initiative is measured by the result - 15 new members joining the professional body. We are going to make sure that each member is well qualified and does his/her work with ethics and reliability.

Realtors are here to stay as the purchase of a home is an emotional decision, a family decision & the biggest decision of most Indians & it is only a realtor who can give genuine advice & confidence & hand hold a buyer through every stage of a transaction. A CREAA member is not just an agent, broker or consultant, he is an advisor; he understands his client’s requirement & advises him on what is the best for him from the several options available. Real Estate is about collaborating with each other to better knowledge & practices & use technology to save time.

Gangavaram Port contributes Rs. 15 lakhs for maintenance of Sulabh Complexes in Vizag

Gangavaram Port contributes Rs. 15 lakhs 
for maintenance of Sulabh Complexes in Vizag

Pledges its support for the Swatch Bharat Campaign

Gangavaram Port today pledged its support to the Swatch Bharat campaign by contributing Rs. 15 lakhs for the maintenance of Sulabh Complexes at Gangavaram Village.  Sri Palla Srinivas, MLA, Gajuwaka Assembly Constituency has been instrumental in helping Gangavaram Port Management promote this cause.  The initiative which is a part of Gangavaram Corporate Social Responsibility program is aimed at developing a collectively behaviour in making the country clean and develop a hygienic sanitation network in Vizag city.

According to Gangavaram Port Management, “Proper public sanitation is a potential tool for social change and is integral for improving people’s lives and developing a clean society.  Open defecation is a concern in India and we are supporting the Swatch Bharat campaign to solve this problem. It’s our endevour to create a sterile society and facilitate proper sanitation for all  ”
 Mr.  K Raja Ratnam Naidu, Senior Vice President and LPS Ramu Naidu (Vice President ) of Gangavaram port handing over the cheque to Mr. Satya Sai Srinivas, Project Director , DRDA

For more information please contact

Sarodhya Yadav / Sunil Kumar : 8686080577 / 9866520337

FAIFA Demand Action Against Unfriendly Cash Crop Policies to Safeguard Farmer Livelihoods

Federation of All India Farmer Associations(FAIFA) Demand Action Against Unfriendly Cash Crop Policies to Safeguard Farmer Livelihoods.. 
Federation of All India Farmer Associations(FAIFA)
Demand Action Against Unfriendly Cash Crop Policies
to Safeguard Farmer Livelihoods

·        Explosive growth of illicit and smuggled tobacco at 31% annually directly taking away farmer livelihoods in India

·       Challenges Government decision to cut tobacco cultivation without providing viable alternative livelihood solutions
Demand CBI enquiry against foreign health activists and their money trail whose hidden agenda is to benefit foreign growers and business syndicates
·        Made representations to Ministers of Commerce, Agriculture and Labour. Delegations planned to Ministers of Finance, Health and the Prime Minister.


As per Ministry of Finance data, custom seizure of smuggled foreign cigarettes has exploded in the last 2 years in India.

Seizures in the first 4 months of 2015-16 are double the quantity seized in full 2013-14. At this rate, 50% is the projected growth in smuggling of foreign cigarettes over previous year. 

Quantity of Cigarettes of foreign brands seized
(in Thousands)
2015-16 (Apr to July)
Source: Ministry of Finance, Government of India (through question no 779 in Lok Sabha)

Extra ordinary high taxes andrules like pictorial warnings, against reality of ill-equipped ground enforcement machinery and corruption makes India the most attractive tobacco market for smugglers in the world.  

Representatives of Federation of All India Farmer Associations (FAIFA), a body of farmers associations from South, West and North India engaged in cultivation of cash crops, today congregated in Delhi to demand immediate Government intervention and action against lopsided tobacco control policies blinded by anti-farmer activists and urged an immediate correction.

This is in the wake of extreme self created stress which has been caused to farmers engaged in tobacco cultivation besides the adverse climatic debacle which crops like cotton are witnessing.

Tobacco is a specific case in point as it is immune from climatic variations, still a number of farmershave committed suicides in Andhra Pradesh and Karnataka, something which never happened before.

FAIFA members have already met Ministers Commerce, Agriculture and Labourto demand immediate correction in unfriendly policies, and are planning delegations to Ministers of Finance, Health and finally the Prime Minister.

Government instead of providing solutions, have issued orders to tobacco farmers in Andhra Pradesh to cut tobacco cultivation by 52 million kgs next year. A sudden call for cutting production is going to be difficult to absorb for farmers already under debt, as consumption for FCV tobacco has already been going down over the years.

Issues needing immediate attention

·        FCV Tobacco is a 100 year old crop in India. It provides livelihood to 45.7 million people comprising farmers, farm labour, workers, retailers etc in India
·        There is no viable and sustainable alternative to tobacco crop for farmers. While crop rotation is done, ultimately farmers are totally dependent on tobaccofor making a living, as it is the most sturdy and dependable crop which can be grown without irrigation support and in tough climatic conditions.


There is a direct correlation between the introduction of pictorial warnings and growth of illicit tobacco.

In 2007, when pictorial warnings were first introduced, illicit and contraband cigarettes were 1% of the market.  According to a FICCI Study today the Illicit & contraband cigarettes occupy 21% of the market share, and result in a revenue loss of more than Rs. 9,000 croreper annum to the exchequer.

Also, this illicit market is growing at a rate of 31% every year. It is a matter of time, that half of the cigarette market in India would be illicit, hurting prospects for local growers.

Illicit cigarettes are cheap, and mostly do not carry pictorial warnings, making them more attractive. Many large tobacco growing countries do not have India like stringent pictorial warnings regime, making their products more attractive for smugglers.

In recent years, foreign tobacco has been capturing the Indian market, coming in through the smuggled route in the form of illicit and contraband cigarettes. Last year 21 million kgs of smuggled tobacco was consumed in India through this route. Illicit cigarettes are growing at 31% in India every year, directly taking away the market from Indian tobacco farmers. The very high taxes on legal cigarettes and regulatory practices like pictorial warnings on domestic packs make these illicit cigarettes popular – as they do not have to comply with both these aspects of regulation. This is making the smuggled cigarettes grow exponentially.

·        After the Modi Government came to power, a sharp increase in the seizures of foreign cigarettes smuggled into India, suggests a 50% growth in smuggling this year, and enough proof that India has emerged the world’s most lucrative tobacco market for smugglers.

·        The state of Andhra Pradesh has produced 172 million kg of authorized FCV crop in the year 2014-15. In view of a sluggish demand this year, the Tobacco Board has reduced the FCV crop size for Andhra Pradesh for the year 2015-16, restricting the total authorized crop size for the next season to 120 Million Kgs compared with 172 Million Kgs this year.
  This fall in the authorized crop size will affect the farmers adversely since they have already made huge investments in tobacco curing barns and other infrastructure keeping in mind the usual crop size. With the tobacco board reducing the FCV crop size by 25 -30 % for the next season the farmers will have a difficult time in sustaining their livelihoods. This will hugely impact at least 25% of the tobacco farmers and this might lead to more suicides next season.

·        Given that the Government is mulling the option of increasing pictorial warning from 40% to 85% without any consultation with farmers groups, along with increased taxes, will further led to growth of illegal and contraband tobacco in India. The day is not far when the legal tobacco industry will cease to exist in India.

ShriChangal Reddy, Chairman, Consortium of Indian Farmer Association, said, “In view of the above facts, we urge the Government to first conduct research and provide alternative solutions to tobacco farmers before promoting illicit and foreign tobacco in India, which they do by de-promoting legal tobacco, and therefore forcing a cut in production for legal and legitimate farmers.”

ShriGaddeSeshagiriRao, Adarsha Sugarcane Producers Welfare Association, Andhra Pradesh, said, “Tobacco is a very important cash crop in India. India is the 2nd largest exporter of quality tobacco earning Rs. 6000 crore in forex every year. The cut in production of legal tobacco imposed in Andhra Pradesh is only going to make farmers lose livelihoods while destroying our export opportunity. We really want to understand who gains from these measures other than foreign growers and syndicates”

Shri B V JavareGowda, Federation of Karnataka Virginia Tobacco Growers Association, Mysore, added, “We urge that the claims of anti-tobacco lobby should not be blindly followed, as most of the anti-tobacco lobby is funded by foreign sources. Even those who are not directly funded, their motives need to be investigated. Foreign powers would like to see India converting from a tobacco exporter to a net tobacco importer, as India is the 2nd largest tobacco consuming country in the world after China. We demand CBI enquiry into the funding trails of these activists”

ShriMuraliBabu, Kondapi Tobacco Growers Association, AP added, “Despite all the tobacco control measures all these years, consumption of tobacco has not gone down in Indiaeven slightly. Instead, only the business of Indian farmer has got destroyed with all gains going to foreign tobacco producers.We urge Government to save the Indian farmers from further hardship. We request that farmers should be consulted before framing policies on tobacco.”

Farmers Appeal & Demands

·        Protect our livelihood till such time sustainable viable alternatives are provided

·        Policy framework should be equitable, rational, reasonable and balanced based on scientific data and evidence

·        Consult all stakeholders, particularly  us the farmers to frame a well-balanced tobacco control regulation

·        Investigate the hidden agenda of the activists. Their source of funds, purpose, utilisation, individual/ institutional wealth prior and post tobacco activism

·        Investigate all the beneficiaries and the linkages of such individuals and institutions

·        Independently validate all the data, statistics, studies, claims and assertions

·        A detailed study to be carried out of the socio-economic impact of the anti-tobacco measures so that a balanced well calibrated framework can be developed to address our concerns. 

The study may entail the following:

o   Identify alternative, equally remunerative, sustainable means of livelihood

o   New skill requirement for smooth transition to such alternatives

o   Time-frame and capital required for such transition

o   Risk analysis and amelioration in the event of failure of the alternative measures should be done

·        Conduct a CBI enquiry against anti-tobacco activists, their hidden agenda, their money trails and why their campaigns are only benefiting foreign tobacco growers and business syndicates.

For further information, please contact:


Mobile: 8897019097

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