The Learner 016

December 2008/ 016

Editorial Another year is poised to enter our lives... another set of moments that we call time is poised to reach out and make us stronger! For obvious reasons, this issue of ‘The Learner’ is bubbling with new year messages for all of us... and the best part is that these messages come from the heart of BIFM. Each message will give a different and relevant perspective to the year about to dawn. Each message carries with it a concern of people for people!

Message from the CEO, BIFM BIFM stands strong and successful on the young team that it has today. The energy, commitment and dynamism of team BIFM is the greatest strength for us in times to come. Our business is powered by the faith of the industry expressed for relevant education which makes it recession-proof. We need to harness this faith through a strategic commitment and cater to industry demand for market-ready professionals. My focus shall thus be in the creation and retention of a powerful talented team that can survive under any pressure and shall be a force to reckon with in times to come. I wish to nurture and grow this talent. I want and demand every single individual's effort towards higher revenue generation and cost minimisation. The industry is waiting to be tapped and we shall do it well. Trust God and yourself and work with a laser sharp focus on leading and dominating the market. Unleash your potential here at BIFM. - Siddharth Bagri.

This issue also has a small story that I read on the net... do read it and send me your comments. Someone once asked me: ‘How many people read ‘The Learner’?’ Well, this ‘pdf effort’ is aimed at evolving into a viable tool for internal communication... and a source for learning. In its small way, it has succeeded. The number of people sending new year messages to their colleagues is an example that is undeniable. Wishing you all a great time ahead in the coming year... enjoy what you do and remember that what you do now will stay with you for ‘lives’ to come. Do write back.

Arvind Passey Corporate Communications BIFM | 4th Floor, Gulab Bhavan, 6, Bahadur Shah Zafar Marg, New Delhi – 110 002 | Phone: (011) 23705854/ 855 Extn: 247 | Mobile: 09871139992 | www.blblimited.com, www.bifm.edu.in [ Truth needs words just as much as it needs silence ] [ Communication is the death of distance! ]

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Perceptions 2009! What does a new year really mean? Well, there is no single meaning of the dawn of a new year... but there can be many perceptions of what it will be like, what it must be like and what it had better be! Sharing some of these perceptions with you all...

It is aptly remarked that 'no man is rich enough to buy his a l l th i n g s i th m a k e s Fa ll past.' So i am not going to crib about the past year and will e m ake a os si b le , H op p ll a s e think only about 2009. In 2008 i have learnt many things and ove mak ings work, L th l al e v a h u lost many things. I thank God for giving me such a wonderful l. May thing beautifu . r year so full of great experiences. I wish you all readers of 'The ea his y the three of t Learner' a very happy new year!! EAR 2009 Y EW N Y P HAP Work hard! Party hard! Say no to terrorism! - Anna Lungany (Corporate Relations) arat (BDE) - Bindiya Kay During my tw o years here, I have seen BIFM grow expo nentially and ca e v h a W e rve a niche for itself in the financial comm unity. Crests experienced and troughs ar e a part and pa bad days in rcel of an individual's as well as an or ganisation's 2008 all over existence. At t he dawn of 200 9, I wish to the world and get "strength" to make the jo to d a h e hav urney from darkness to light, lighting t h e f a c e up all the members and community as ion' in a whole. My warm wishes to draconian word 'recess all. May succe w slo s, ent chm ss and happin ren f ret or to t n e o in the upcom additi ess be your ing year of A so on. It Fibres. Happy Ne stronomy and down, fall of sensex, and Natural w Ye ar! to work - Kunal Choud is time now to unite ha ry (F ac ul as ty) work against all this. Let us all -- and M BIF for There is a great treasure always in our mind... utilize this power to its -m tea a world fullest strength and definitely it will take off. All your worries and rediscover success! The slow tensions provide power to achieve success at any cost. One more thing today is facing financial re mo ing eth som I would like to add that twenty years from now you will be more as l l we down as a crime rism o r disappointed by the things that you didn’t do than by the ones you did. ter – ous ger dan . Let us Catch the trade winds in your sails, and set off to explore, dream, and against society or humans all those discover new things this coming NEW YEAR 2009. IF YOU WANT TO LIVE all get together and fight ! ror ter h oug thr WITH PEACE BE READY TO FIGHT! rule to nt who wa - Chandrashekhar Azad (Accounts) - Ravindra (Marketing) 2008 is co ming to New year always comes ting space an end an a e r c is 8 0 20 ar d this Ye ly di with a feeling of novelty & ea st to year too has are ready Slowly and ep-in. People given st o t gives a ray of hope to all. r 09 ei 20 th r me many le for yea , learn from 08 20 f o ar s ie ning or People try to mend their not from our cherish the mem resolutions of e d o ak in m g's way of living. The festive d ginning and expe mistakes an coming year. Be ri e e th n n c i e. mood is switched on as m he t ew This must repeating e to send N be the case with yo he perfect tim t is soon as the calendar ar Ye ith w ew N u all too. I as of the d bless them retain those k u all to one and all an indicates the arrival of santa's learnings an . Year wishes to ity er p s ro r p d e d p e an never at h t l ea w month... the carols, the Christmas w h at has end a year of good health, ed up as blunder. So e beginning of th k r a m a tree, the colorful stockings and over r y a da ye l e t us make a ay each May this new year resolution very for you. M o sc i crowded market place. The cold d d d n o an a f l e u r n f u ever repea pleas is wonder ting our g special, that weather and warm feelings at heart mistakes and he everything, f hold somethin artily welc o t s be e 2 th 0 0 ve 9 ome er w es d i are the irresistible combination for t u h o y good luck Year! new... for and lots o prosperity i g. Happy New in r b er one to be happy. f v e n an o c ur life. that life - Amit Agar a (IT) m r Srishti Chauhan (BDE) a h w S al od (C m a orp Relation - Pr s)

“For last year's words belong to last year's language and next T.S. Eliot year's words await another voice.”

The Learner

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A new year has the term "new" in it. So, I will be looking to have a completely new perspective both in professional and personal life. I would rather extend this to each one of us, so that we could find out what has exactly gone wrong and look at the things from a new perspective and start afresh to get things going. Financial markets are in a tough situation, and we need to replan our strategies and work-vigour as well. Wishing everybody a "new" year in true sense, so that we discover a hidden force in us and aim to achieve what we haven't been in the past year. Happy new year! - Amit Agarwal (Faculty)

Year 2008 has bro ught more sorrow than happiness... from global financia l turmoil to bomb bl asts in many cities. But it has given us the opportunity to stop and analyze our own position as to wh ere we are heading. The passing year has highlighted the major issues the developed and developing countrie s are facing. The ev ils of terrorism, naxalism has once again raised their heads and challenged the pillar s of our society. It h as raised several questions on the ef ficiency of our dem government in their ocratically chosen ability to tackle the scourge of terrorism economy has result . Growing ed in degeneration of value system in our in a way totally erode society, and d all moral bindings. The development pa th now must be able to synchronize the va and economic grow lue system th... at all levels... individual, organisati National. onal, and I hope that the comi ng year will wash all the evils of the mind people to collective and unite ly contribute in grow th. I hope the frag New Year will wipe o rance of the ut sorrow that we fel t in year 2008. - Nidhi (Corporate Re lations)

May god shower his load s of blessings on u so dat sky becmz your lim it and u reach all heights of su ccess. May dis new year b d luc kiest one. Wishing every one happ y new year 2009 with loads of luck n - Sonal Sharma (BDE) Tough times never last but tough people do. The year gone has imparted a very rich experience for people associated with various fields of economy specially finance; like never before. I wish everyone to make a solid base on it and fight back with indomitable resilience. May you all enjoy better Health, Wealth and well being in this new year and ever after. Keep growing with a mission. - Jaswant Aditya Singh (Faculty - TA)

An year gone... another to dawn . What is a NEW Year? A new year comes a s a bunch of new opportunities. But it will not be easy for terror victims. They lost all hope to live their life. Therefore, as a responsible citizen of this country most effected by ter rorism in 2008, we should do something for the m. Lets make a resolution for this new year to help them....!!!! "Everyone thinks of changing the world, but no one thinks of changing himself."

for INDIA, teresting year Its being an In Medal @ of First GOLD from the highs st lunar fir cs and India's Beijing Olympi ai terror b m u M the lows of expeditions to circle. I ll fu a n has take attacks; India or m e joys t year brings hope that nex edge that pl nd we should than sorrows, a ened on pp ha et what we won't forg e should stand election year w is th s g rin u d d for our country' 26/11! An d bring a change an ni p ce t ' an n st ca a e ke up, ta n't then w cause if we do s. So betterment, be tion-less politic ac r ei th r fo be ns ia n p and for o ce point politic you all to get u sk a I s, ul so sleeping accounted for. tions) (Corporate Rela - Jasjeet Singh

This alone is so much to be thankful of. Despite what's happening to the world, waking up each morning is such a blessing and a gift from above. It always reminds us that we can always look forward to a new morning, a new beginning. There are still a thousand and one reasons why we should be thankful for 2008, we don't need to elaborate and/or write everything, it's enough that we accepted what was given us and thankful for every lesson learned. As we leap to the New Year, let's bring with us all the positive things we learned from 2008 and transform to a better us. Wishing every one HAPPY NEW YEAR 2009!

r obstacles face 2009. Stay alert and jump ove to d nee we now nd a d, n e to nd g 2008 is goin do for a living but how we do it a we at wh not it's er, mb me Re ... erence. Good with care & caution ng in our work that makes the diff ani me d n fi and ful use l fee we workplace her whet good people make for a good ; ple peo d goo ke a m 't don t s circumstance al at work, opportunities will presen idu div n i ary l mp e ex an be to g you should also atmosphere. By learnin your next phase of life during which to g din lea h pat a ng eni p o s e v e become themsel you will see how all your efforts hav k, bac k loo you en h w er, Lat d. t. continue doing your bes and hardship have not been waste s rt effo r you t a th ze i l rea will You . precious assets in your ideal field ions) - Sapna Pandey (Corporate Relat

The Learner

A small newsletter that reads big!

Let recessio n not slow us down, Let blazes o f valour hit terror down, May New Ye ... ar write a br and new sto With the he ry... adlines sayi ng .. “ BIFM BAC K TO ITS OLD . GLORY " To all the on es who are near and de wishing you ar, a rocking new year! - Abir Mukh erjee (Mark eting)

new, d, ring in the Ring out the ol snow: e lls, across th Ring, happy be ; go m r has ing, let hi e. The Old Yea The year is go ring in the tru , se New al e f h e T h t d. t Ring ou own dea d past bury its ll ea A d . e e h t tim t of Le . k gone n of the cloc io ss e s s o lve e p n tw coming New Year begins, let us pray, that it Year has take sibilities of the os p d n a s ie t will be a year with new Peace, new hail the du e world and the lights in th ll Happiness, and abundance of new a h it months! w nd a ams come se's perfume hat your all dre t friends. God bless you through out the U h With all the ro is W I . s ildren smile new Year in BIFM. with all the ch BIFM ROCKSSSSSSSSSSSS!! true. YEAR 2009* - Ruchi Gupta (BDE) *HAPPY NEW There is an old saying l (BDE) - Srishti Sehga that goes: "Don't cry because it is over, smile We will open the book. Its pages are blank. We are going to put because it happened". words on them ourselves. The book is called Opportunity and its You cannot turn back first chapter is New Year's Day. A new year is unfolding—like a time and redo things in blossom with petals curled tightly concealing the beauty within. any other way. Accept that some days Let this year be filled with the things that are truly good—with the you are the pigeon and some days comfort of warmth in our relationships, with the strength to help you are the statue. New year is the those who need our help and the humility and openness to others. time of new beginnings. It is time to As we make our resolutions for the year ahead, let us go forward with great hope start afresh and do things that would that all things can be possible. make someone else smile. Make a Wish you a world of happiness, prosperity & joy on this coming year !!!!!!!!!!!!! pledge to make at least one person HAPPY NEW YEAR! happy. You will see the difference it - Mansi Rathore (BDE) can make in both your lives. The essential message of New Year is let winning warrior. he a t ll If ri . e go off the past and embrace life as it s u g ge a an ly to ch Trade like party and to adapt quick w to comes to you. You will be happier and ne rn e th ea l t in tal, You mus sitate to jo apital, men merrier that way. (c ng, don't he gi de an si ch is is side to t h 't get - Ajay Sharma (Corp Commn) change. Don your forces t conditions commit all ke ar m he t l i t t un . no .. s l) oe emotiona it. A trade d rades. then stick to r having an fo pl s n e o married to t m as ga re tion + . Create a ists of a posi Be disciplined sition. It cons po vels. a le g of t in k is rough. + profit ta l simply cons e v le ss lo markets get + a stop ve you when sa l l i w the position e in l n your discip i team) In the long ru hetty (Mumba s n ya al K B r - Shivakuma , ill infuse funds Governments w t a o th t ng ns i p io st ho e while me sugg inancial crisis, er demand. So Winning Doesn't In this global f ry with consum or w or j a m a ll be Always Mean Being liquidity will sti nal efficiency prove operatio in a downturn: Im n . e e ev bl i g ss in po go First, Winning Means s t ge much a uisitions unless ash on hand as on any large acq d ol h be t Pu You're Doing Better . re Conserve the C nditu framework to perational expe cost structure t al os rn C te r T h a n Yo u ' ve D o n e o f In with reduced o k or . l W nditure. ically critica g pe e x t e ra l a st t i d ap & e r C w de Before... I really wish sh flo consi ference of view of the ca orked out. - De Have a critical that all of us work towards becoming a the same aggressively w f s. o et e rg ur a l i t Fa ve . s & achie ming period o hc rt fo s better person than before. We have to i th effective result in ts ed for the targe be in competition with ourselves only strategies plann so says the tions. i os p e l b a v F ATTRACTION rie O et r r W i LA in e lt h t su re by d and soon we’ll find that we have coul e achieve and visualize w achieved what we were yearning for. What we think s. - Shegorika R Lalchandani (Faculty) BOOK of Secret r all of us. strong future fo a ild bu s So let u ) am ra (Mumbai te - Gita Balachand is purse into his "If a man empties h it away from him. A special and warm wishes to all the team members of head, no one can take wledge always no k BIFM that coming year 2009 brings success, revolution, An investment in t." Lets begin this happiness, enthusiasm & motivation to work hard & pays the best interes investment in the harder and provides lots of growth opportunities to year with the right e BIFM, the best achieve the mission of organization and BIFM create right direction. Choos . new milestone in the financial world with the support of all team in Financial Education (Mumbai team) a t eh M i members. - Priyadarshin - Vivek Agarwal (GM - Operations)

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PUT A SHARK IN YOUR TANK! This story has been circulating on the internet at this time of the year and I thought it has the right message for a lot of us. This new year, let us all resolve to be unafraid of challenges and learn to come face-to-face with them and be triumphant... everytime. These sharks can come in any form... from economic slowdown to big and small situations that have the power to unnerve anyone... unless we decide to get up and devise a strategy to win!

The Japanese have always loved fresh fish. But the water close to Japan has not held many fish for decades. So to feed the Japanese population, fishing boats got bigger and went farther than ever. The farther the fishermen went, the longer it took to bring the fish. If the return trip took more time, the fish were not fresh. To solve this problem, fish companies installed freezers on their boats. They would catch the fish and freeze them at sea. Freezers allowed the boats to go farther and stay longer. However, the Japanese could taste the difference between fresh and frozen fish. And they did not like the taste of frozen fish. The frozen fish brought a lower price. So, fishing companies installed fish tanks. They would catch the fish and stuff them in the tanks, fin to fin. After a little thrashing around, they were tired, dull, and lost their fresh-fish taste. The fishing industry faced an impending crisis! But today, they get fresh-tasting fish to Japan. How did they manage? To keep the fish tasting fresh, the Japanese fishing companies still put the fish in the tanks but with a small shark. The fish are challenged and hence are constantly on the move. The challenge they face keeps them alive and fresh! Have you realized that some of us are also living in a pond but most of the time tired and dull? Basically in our lives, sharks are new challenges to keep us active. If you are steadily conquering challenges, you are happy. Your challenges keep you energized. Don't create success and revel in it in a state of inertia. You have the resources, skills and abilities to make a difference. Put a shark in your tank and see how far you can really go! "Weakness of attitude becomes weakness of character!" - Albert Einstein Always be positive... No Matter What!

And if there are no sharks around... go ahead and get one for yourself... for that is the only way to learn to be victorious! -Editor

“An optimist stays up until midnight to see the new year in. A pessimist stays up to make sure the old year leaves.” Bill Vaughn

The Learner

A small newsletter that reads big!