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 01.FACULTYSHIPS
      ASSOCIATION
      COLLEGE
      CORPORATE
      GOVERNMENT
      INSTITUTIONS
      PRECAUTIONS
      SCHOOLS
      SOCIETIES
      UNIVERSITIES    
      VIEWER'S VIEWS
      WISDOM  
 02. INNOVATION
     
A. BIO-CHEMISTRY
      B. ENMALISP
      C. EXAMPLES
      D. MAIN CONCEPTS
      E. MATHEMATICS
      F.  CATALYST
     
G. MUSIC
      H. COLOUR DISC
       I. ORGANIC
      J.  INORGANIC
      K. PHYSICS

      L. STUDIOUS
      M. VIEWER'S VIEWS

 03. MANAGEMENT 
      
A. ARTILECT  
       B
. BE HAPPY
       C.
CONCEPTS
       D. DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
 
      I. SUMMARY    
      J. SUPPORTS
      K. VIEWER'S VIEWS  
          MANAGEMENT
          PRODUCTIVITY

 04. MOTIVATION
     
A. ARITHMETIC
      B. BESTPEDAL
      C. EPOCH MAKERS
      D. HANDICAPPED
      E. LEADS FOR

          SELF 
          SOCIAL
      F. SELF
MOTIVATION
          EXAMPLES
          DESTRUCTIVE
      G. SOCIAL MOTIVATN
          EXAMPLES
          DESTRUCIVE
  
  H. VIEWER'S VIEWS

 05.   MUSIC 
        
A. ARABIAN
         B. COLOUR CDs
         C. DIATONIC

        
D. EASTERN
        
E. INNOVATION
        
F. RAGAMS
         G. TEMPERED
        
H. VIEWER'S VIEWS
         I.  WESTERN
    -------------------------- 
 
05A. HEXOCTAL
        
A. ADMIRATION
         B. ARABIC
         C. CODE SET
         D. DIATONIC
         E. ENGLISH
         F. GERMAN
         G. HINDI
         H. KARNATAK
         I . KARNATAK KB
        J. MELODY
        K. PRIMARY RAGAM
        L. PUSHTU
        M. SCOTTISH          
        N.  TEMPERED
        O. URUDU    
    
   P. VIEWER'S VIEWS

 06. NEW-CONCEPTS 
     
A. DEVELOPMENT
      B. PHYSICS
 07. PUBLICATIONS    
     
A. ARTICLES
          ECONOMICS
          PRODUCTIVITY
          MANPOWER
          MATERIALS
          RESOURCE
          R & D
          TRAINING
      B. BOOKS
      C. REPEC
      D. SSRN  
 08. QUOTATIONS
       A. WORDS
       B. PICTURES  
           ANIMALS
           BIOLOGY
           BIRDS
           BOTANICAL
           BUILDINGS
           FLOWERS
           FRUITS
           HISTORICAL
           INSTITUTIONS
           LANDSCAPES
           MONUMENTS 
           NATURE
           PLANTS
           TRANSPORT
           TREES
            SPORTS
            STARS 
      
C. VIEWER'S VIEWS 
 09. SMART-THOUGHTS 
      
A. ALEXANDER
       B. ACHIEVEMENT
       C. ECONOMICS
       D. LION
       E. PHILOSOPHY
       F. SCIENCE
       G. TSUMANI
       H. UNIVERSE

       I. VIEWER'S VIEWS
 10. SOCIO-ECONOMIC
       A. ARTILECT        
       B. BUSH

      
C. CONCEPTS
       D DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
       
I. SUMMARY          
      J. SUPPORTS
      K. VIEWER'S VIEW   
 11. SOFTWARE (SW)
       A. APPLICATION
      
B. ARTILECT 
       C. BOOTING       
    
  D. CORPORATE
       E. DESIGNS
       F. HARDARE
       G. JOB SW
       H. OP.SYSTEM
       I. ORGANISATION SW
      J. SW QUALITY
      K. SW UTILITY
      L. UTILITY SW
      M
. VIEWER'S VIEW      
 12.  STARS & SKY     
      
A. ASTRONOMY
       B. CONSTELLATIONS
           INDIAN
           WESTERN
       C. ENMALISP
       D. GREEK ALFA
       E. MID NORTH
       F. NORTH NORTH
       G. STARS
            INDIAN
            WESTERN 
       H. SUN
       I. VIEWER'S VIEW
      J. ZODIAC
 13. VIEWR'S VIEWS
       ABOUT DRVSRS     
       DEVELOPMENT   
       COUNTRY
       FACULTY
       FEED BACK
       INNOVATION
       MANAGEMENT
       MOTIVATION
       MUSIC
       NAMES
       PRODUCTIVITY
       PROFESSION
       QUOTATIONS
       SOFTWARE
       STARS
       TOPICS 
       VIEWER'S VIEWS
       WEB CLASSES
 14. KEY-WORDS
        FAQ   A TO Z
       ANIMATIONS
       FLAGS
       HAPPY
       JOKES
       MELODIES
       QUOTATIONS
 15. DR.VSRS
       A. ABOUT 
       B. ACADEMIC
       C. ACHIEVEMENT
       D. ASSIGNMENTS
       E. ASSISTANCE
       F.
BOOKS
       G CDB, BARBADOS
       H. CFTC, LONDON
       I.  CONTACT          
       J.  FAMILY TREE
       K  HOME  
       L. INNOVATIONS
       M. ISO 90001:2000
       N. NOBEL 
       O. PRIME PAPERS
       P. QUALITY AUDITOR
       Q. SITE MAP
       R. SOCIAL WORK
       S. VIEWER'S VIEWS
       T. WORLD TRAVEL      
 16.  CLOSE  

SPECIALITY

Contact :  Dr.VSRS  

GO TO HOME PAGE

 ANIMATION OF HAPPINESS - CLICK
 JOKES MENU - CLICK    LAUGH
 MATTER  SMART - CLICK
 MELODY MENU - CLICK
 PICTURE MENU - CLICK
 QUOTATIONS - CLICK
RECIPES

FEATURES

Contact :  Dr.VSRS  

GO TO HOME PAGE

 A.  ASSISTANCE
 B BOOKS
 F.   
 H.  HELP (FAQ)
  L.    LATEST SITE
  S.  SITE MAP

 ENTERTAINERS

Contact : Dr.VSRS  

GO TO HOME PAGE

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®.PERSONAL 
Web-Site DESIGNED & MAINTAINED BY
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.®

ON THE WEB FROM AUGUST 01, 2001

LAST UPDATE

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CIRCLES MENU CIRCLES

 01.FACULTYSHIPS
      ASSOCIATION
      COLLEGE
      CORPORATE
      GOVERNMENT
      INSTITUTIONS
      PRECAUTIONS
      SCHOOLS
      SOCIETIES
      UNIVERSITIES    
      VIEWER'S VIEWS
      WISDOM  
 02. INNOVATION
     
A. BIO-CHEMISTRY
      B. ENMALISP
      C. EXAMPLES
      D. MAIN CONCEPTS
      E. MATHEMATICS
      F.  CATALYST
     
G. MUSIC
      H. COLOUR DISC
       I. ORGANIC
      J.  INORGANIC
      K. PHYSICS

      L. STUDIOUS
      M. VIEWER'S VIEWS

 03. MANAGEMENT 
      
A. ARTILECT  
       B
. BE HAPPY
       C.
CONCEPTS
       D. DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
 
      I. SUMMARY    
      J. SUPPORTS
      K. VIEWER'S VIEWS  
          MANAGEMENT
          PRODUCTIVITY

 04. MOTIVATION
     
A. ARITHMETIC
      B. BESTPEDAL
      C. EPOCH MAKERS
      D. HANDICAPPED
      E. LEADS FOR

          SELF 
          SOCIAL
      F. SELF
MOTIVATION
          EXAMPLES
          DESTRUCTIVE
      G. SOCIAL MOTIVATN
          EXAMPLES
          DESTRUCIVE
  
  H. VIEWER'S VIEWS

 05.   MUSIC 
        
A. ARABIAN
         B. COLOUR CDs
         C. DIATONIC

        
D. EASTERN
        
E. INNOVATION
        
F. RAGAMS
         G. TEMPERED
        
H. VIEWER'S VIEWS
         I.  WESTERN
    -------------------------- 
 
05A. HEXOCTAL
        
A. ADMIRATION
         B. ARABIC
         C. CODE SET
         D. DIATONIC
         E. ENGLISH
         F. GERMAN
         G. HINDI
         H. KARNATAK
         I . KARNATAK KB
        J. MELODY
        K. PRIMARY RAGAM
        L. PUSHTU
        M. SCOTTISH          
        N.  TEMPERED
        O. URUDU    
    
   P. VIEWER'S VIEWS

 06. NEW-CONCEPTS 
     
A. DEVELOPMENT
      B. PHYSICS
 07. PUBLICATIONS    
     
A. ARTICLES
          ECONOMICS
          PRODUCTIVITY
          MANPOWER
          MATERIALS
          RESOURCE
          R & D
          TRAINING
      B. BOOKS
      C. REPEC
      D. SSRN  
 08. QUOTATIONS
       A. WORDS
       B. PICTURES  
           ANIMALS
           BIOLOGY
           BIRDS
           BOTANICAL
           BUILDINGS
           FLOWERS
           FRUITS
           HISTORICAL
           INSTITUTIONS
           LANDSCAPES
           MONUMENTS 
           NATURE
           PLANTS
           TRANSPORT
           TREES
            SPORTS
            STARS 
      
C. VIEWER'S VIEWS 
 09. SMART-THOUGHTS 
      
A. ALEXANDER
       B. ACHIEVEMENT
       C. ECONOMICS
       D. LION
       E. PHILOSOPHY
       F. SCIENCE
       G. TSUMANI
       H. UNIVERSE

       I. VIEWER'S VIEWS
 10. SOCIO-ECONOMIC
       A. ARTILECT        
       B. BUSH

      
C. CONCEPTS
       D DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
       
I. SUMMARY          
      J. SUPPORTS
      K. VIEWER'S VIEW   
 11. SOFTWARE (SW)
       A. APPLICATION
      
B. ARTILECT 
       C. BOOTING       
    
  D. CORPORATE
       E. DESIGNS
       F. HARDARE
       G. JOB SW
       H. OP.SYSTEM
       I. ORGANISATION SW
      J. SW QUALITY
      K. SW UTILITY
      L. UTILITY SW
      M
. VIEWER'S VIEW      
 12.  STARS & SKY     
      
A. ASTRONOMY
       B. CONSTELLATIONS
           INDIAN
           WESTERN
       C. ENMALISP
       D. GREEK ALFA
       E. MID NORTH
       F. NORTH NORTH
       G. STARS
            INDIAN
            WESTERN 
       H. SUN
       I. VIEWER'S VIEW
      J. ZODIAC
 13. VIEWR'S VIEWS
       ABOUT DRVSRS     
       DEVELOPMENT   
       COUNTRY
       FACULTY
       FEED BACK
       INNOVATION
       MANAGEMENT
       MOTIVATION
       MUSIC
       NAMES
       PRODUCTIVITY
       PROFESSION
       QUOTATIONS
       SOFTWARE
       STARS
       TOPICS 
       VIEWER'S VIEWS
       WEB CLASSES
 14. KEY-WORDS
        FAQ   A TO Z
       ANIMATIONS
       FLAGS
       HAPPY
       JOKES
       MELODIES
       QUOTATIONS
 15. DR.VSRS
       A. ABOUT 
       B. ACADEMIC
       C. ACHIEVEMENT
       D. ASSIGNMENTS
       E. ASSISTANCE
       F.
BOOKS
       G. CDB, BARBADOS
       H. CFTC, LONDON
       I.  CONTACT          
       J.  FAMILY TREE
       K  HOME  
       L. INNOVATIONS
       M. ISO 90001:2000
       N NOBEL 
       O. PRIME PAPERS
       P. QUALITY AUDITOR
       Q. SITE MAP
       R. SOCIAL WORK
       S. VIEWER'S VIEWS
       T. WORLD TRAVEL       
 16.  CLOSE  

SPECIALITY

Contact :  Dr.VSRS  

GO TO HOME PAGE

 ANIMATION OF HAPPINESS - CLICK
 JOKES MENU - CLICK    LAUGH
 MATTER  SMART - CLICK
 MELODY MENU - CLICK
 PICTURE MENU - CLICK
 QUOTATIONS - CLICK
RECIPES

FEATURES

Contact :  Dr.VSRS  

GO TO HOME PAGE

 A.  ASSISTANCE
 B.  BOOKS
 F.   
 H.  HELP (FAQ)
  L.    LATEST SITE
  S.  SITE MAP

 ENTERTAINERS

Contact : Dr.VSRS  

GO TO HOME PAGE

WORLD WIDE WEB IN MOTION

WINK ON SITE

LOVE AT SITE

SING WITH SITE

DANCE OVER SITE

Contact :  Dr.VSRS  

GO TO HOME PAGE

WEB DETAILS

Contact : Dr.VSRS  

GO TO HOME PAGE

®.PERSONAL 
Web-Site DESIGNED & MAINTAINED BY
Intellectual Consultants
.®

ON THE WEB FROM AUGUST 01, 2001

LAST UPDATE

RESEARCH &
DEVELOPMENT
CENTRE
RePEc   SSRN

Expert

3

Contact :   Dr.VSRS

 GET 
CLICK & GET DRVSRS TOOL BAR
 TOOL BAR

GO TO HOME PAGE

CIRCLES MENU CIRCLES

 01.FACULTYSHIPS
      ASSOCIATION
      COLLEGE
      CORPORATE
      GOVERNMENT
      INSTITUTIONS
      PRECAUTIONS
      SCHOOLS
      SOCIETIES
      UNIVERSITIES    
      VIEWER'S VIEWS
      WISDOM  
 02. INNOVATION
     
A. BIO-CHEMISTRY
      B. ENMALISP
      C. EXAMPLES
      D. MAIN CONCEPTS
      E. MATHEMATICS
      F.  CATALYST
     
G. MUSIC
      H. COLOUR DISC
       I. ORGANIC
      J.  INORGANIC
      K. PHYSICS

      L. STUDIOUS
      M. VIEWER'S VIEWS

 03. MANAGEMENT 
      
A. ARTILECT  
       B
. BE HAPPY
       C.
CONCEPTS
       D. DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
 
      I. SUMMARY    
      J. SUPPORTS
      K. VIEWER'S VIEWS  
          MANAGEMENT
          PRODUCTIVITY

 04. MOTIVATION
     
A. ARITHMETIC
      B. BESTPEDAL
      C. EPOCH MAKERS
      D. HANDICAPPED
      E. LEADS FOR

          SELF 
          SOCIAL
      F. SELF
MOTIVATION
          EXAMPLES
          DESTRUCTIVE
      G. SOCIAL MOTIVATN
          EXAMPLES
          DESTRUCIVE
  
  H. VIEWER'S VIEWS

 05.   MUSIC 
        
A. ARABIAN
         B. COLOUR CDs
         C. DIATONIC

        
D. EASTERN
        
E. INNOVATION
        
F. RAGAMS
         G. TEMPERED
        
H. VIEWER'S VIEWS
         I.  WESTERN
    -------------------------- 
 
05A. HEXOCTAL
        
A. ADMIRATION
         B. ARABIC
         C. CODE SET
         D. DIATONIC
         E. ENGLISH
         F. GERMAN
         G. HINDI
         H. KARNATAK
         I . KARNATAK KB
        J. MELODY
        K. PRIMARY RAGAM
        L. PUSHTU
        M. SCOTTISH          
        N.  TEMPERED
        O. URUDU    
    
   P. VIEWER'S VIEWS

 06. NEW-CONCEPTS 
     
A. DEVELOPMENT
      B. PHYSICS
 07. PUBLICATIONS    
     
A. ARTICLES
          ECONOMICS
          PRODUCTIVITY
          MANPOWER
          MATERIALS
          RESOURCE
          R & D
          TRAINING
      B. BOOKS
      C. REPEC
      D. SSRN  
 08. QUOTATIONS
       A. WORDS
       B. PICTURES  
           ANIMALS
           BIOLOGY
           BIRDS
           BOTANICAL
           BUILDINGS
           FLOWERS
           FRUITS
           HISTORICAL
           INSTITUTIONS
           LANDSCAPES
           MONUMENTS 
           NATURE
           PLANTS
           TRANSPORT
           TREES
            SPORTS
            STARS 
      
C. VIEWER'S VIEWS 
 09. SMART-THOUGHTS 
      
A. ALEXANDER
       B. ACHIEVEMENT
       C. ECONOMICS
       D. LION
       E. PHILOSOPHY
       F. SCIENCE
       G. TSUMANI
       H. UNIVERSE

       I. VIEWER'S VIEWS
 10. SOCIO-ECONOMIC
       A. ARTILECT        
       B. BUSH

      
C. CONCEPTS
       D DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
       
I. SUMMARY          
      J. SUPPORTS
      K. VIEWER'S VIEW   
 11. SOFTWARE (SW)
       A. APPLICATION
      
B. ARTILECT 
       C. BOOTING       
    
  D. CORPORATE
       E. DESIGNS
       F. HARDARE
       G. JOB SW
       H. OP.SYSTEM
       I. ORGANISATION SW
      J. SW QUALITY
      K. SW UTILITY
      L. UTILITY SW
      M
. VIEWER'S VIEW      
 12.  STARS & SKY     
      
A. ASTRONOMY
       B. CONSTELLATIONS
           INDIAN
           WESTERN
       C. ENMALISP
       D. GREEK ALFA
       E. MID NORTH
       F. NORTH NORTH
       G. STARS
            INDIAN
            WESTERN 
       H. SUN
       I. VIEWER'S VIEW
      J. ZODIAC
 13. VIEWR'S VIEWS
       ABOUT DRVSRS     
       DEVELOPMENT   
       COUNTRY
       FACULTY
       FEED BACK
       INNOVATION
       MANAGEMENT
       MOTIVATION
       MUSIC
       NAMES
       PRODUCTIVITY
       PROFESSION
       QUOTATIONS
       SOFTWARE
       STARS
       TOPICS 
       VIEWER'S VIEWS
       WEB CLASSES
 14. KEY-WORDS
        FAQ   A TO Z
       ANIMATIONS
       FLAGS
       HAPPY
       JOKES
       MELODIES
       QUOTATIONS
 15. DR.VSRS
       A. ABOUT 
       B. ACADEMIC
       C. ACHIEVEMENT
       D. ASSIGNMENTS
       E. ASSISTANCE
       F.
BOOKS
       G. CDB, BARBADOS
       H. CFTC, LONDON
       I.  CONTACT          
       J.  FAMILY TREE
       K.  HOME  
       L. INNOVATIONS
       M. ISO 90001:2000
       N. NOBEL 
       O. PRIME PAPERS
       P. QUALITY AUDITOR
       Q. SITE MAP
       R. SOCIAL WORK
       S. VIEWER'S VIEWS
       T. WORLD TRAVEL       
 16.  CLOSE  

SPECIALITY

Contact :  Dr.VSRS  

GO TO HOME PAGE

 ANIMATION OF HAPPINESS - CLICK
 JOKES MENU - CLICK    LAUGH
 MATTER  SMART - CLICK
 MELODY MENU - CLICK
 PICTURE MENU - CLICK
 QUOTATIONS - CLICK
RECIPES

FEATURES

Contact :  Dr.VSRS  

GO TO HOME PAGE

 A.  ASSISTANCE
 B.  BOOKS
 F.   
 H.  HELP (FAQ)
  L.    LATEST SITE
  S.  SITE MAP

 ENTERTAINERS

Contact : Dr.VSRS  

GO TO HOME PAGE

WORLD WIDE WEB IN MOTION

WINK ON SITE

LOVE AT SITE

SING WITH SITE

DANCE OVER SITE

Contact :  Dr.VSRS  

GO TO HOME PAGE

WEB DETAILS

Contact : Dr.VSRS  

GO TO HOME PAGE

®.PERSONAL 
Web-Site DESIGNED & MAINTAINED BY
Intellectual Consultants
.®

ON THE WEB FROM AUGUST 01, 2001

LAST UPDATE

RESEARCH &
DEVELOPMENT
CENTRE
RePEc   SSRN

Expert

3

Contact :   Dr.VSRS

 GET 
CLICK & GET DRVSRS TOOL BAR
 TOOL BAR

GO TO HOME PAGE

CIRCLES MENU CIRCLES

 01.FACULTYSHIPS
      ASSOCIATION
      COLLEGE
      CORPORATE
      GOVERNMENT
      INSTITUTIONS
      PRECAUTIONS
      SCHOOLS
      SOCIETIES
      UNIVERSITIES    
      VIEWER'S VIEWS
      WISDOM  
 02. INNOVATION
     
A. BIO-CHEMISTRY
      B. ENMALISP
      C. EXAMPLES
      D. MAIN CONCEPTS
      E. MATHEMATICS
      F.  CATALYST
     
G. MUSIC
      H. COLOUR DISC
       I. ORGANIC
      J.  INORGANIC
      K. PHYSICS

      L. STUDIOUS
      M. VIEWER'S VIEWS

 03. MANAGEMENT 
      
A. ARTILECT  
       B
. BE HAPPY
       C.
CONCEPTS
       D. DETAILS
       E. INDIRA GANDHI
       F. NOBEL
       G. POLI-FINANCE
       H. SLIDE SHOW
 
      I. SUMMARY    
      J. SUPPORTS
      K. VIEWER'S VIEWS  
          MANAGEMENT
          PRODUCTIVITY

 04. MOTIVATION
     
A. ARITHMETIC
      B. BESTPEDAL
      C. EPOCH MAKERS
      D. HANDICAPPED
      E. LEADS FOR

          SELF 
          SOCIAL
      F. SELF
MOTIVATION
          EXAMPLES
          DESTRUCTIVE
      G. SOCIAL MOTIVATN
          EXAMPLES
          DESTRUCIVE
  
  H. VIEWER'S VIEWS

 05.   MUSIC 
        
A. ARABIAN
         B. COLOUR CDs
         C. DIATONIC

        
D. EASTERN
        
E. INNOVATION
        
F. RAGAMS
         G. TEMPERED
        
H. VIEWER'S VIEWS
         I.  WESTERN
    -------------------------- 
 
05A. HEXOCTAL
        
A. ADMIRATION
         B. ARABIC
         C. CODE SET
         D. DIATONIC
         E. ENGLISH
         F. GERMAN
         G. HINDI
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  • The first to set up a standard and publish the guidelines towards the Corporate Infrastructure for effective utilisation of the 5th Generation Computers.
  • Develop and Publish  an Algebraic Model to Accelerate the Socio-Economic development of  Under - Developed /   Developing Nations and sustain the developed status of Developed Nations.
  • Develop and Publish a Geometric Model based Productivity Redefinition and Socio-Economic Development oriented Management Decision Methodology.

  • Published over 60 practical application papers of multi-various interest, related to Socio-Economic Development  Management and Computer Systems applications.

The Knowledge sacrifice is superior to any material sacrifice. Because, all Actions in their entirety culminates in Knowledge.
From : Chapter 4 - Verse 33 - Path of Renunciation with Knowledge, The Hindu Tradition : The Bagavat Gita. A Cherag's Library - Translated by Ramanand Prasad. Source : http://cheragslibrary.hypermart.net/gita04.htm   

A Gentleman maintained that the art of printing has hurt the real learning, by disseminating idle writing. Johnson : "Sir, If it had not been for the art of printing, we should have now no learning at all; for books would have perished faster than they could have been transcribed" Boswell : Life. 209 - Learning, Publishing.
One of the amusements of idleness is reading without the fatigue of close attention; and that world therefore swarm with writers whose wish is not to be studied, but to be read. Johnson : Idler # 30, 948 - Publishing, Reading and Writing,  (November 11, 1758).  
Quotes on Publishing, The Samuel Johnson Sound Bite Page. Samuel Johnson (1709 - 1758), England,  was a well known 18th Century English essayist.
Source : http://www.samueljohnson.com/index.html

ARTICLES
Alphabets in bracket after the source Journal relates to the Alphabetic Journal References at the bottom. 

GO TO
1 Economic Science & Management.  READING PRACTICAL PUBLICATIONS
2 Productivity.
3 Materials management.
4 Resource Optimisation.
5 Research and Development.
6 Training.
7 Millennium Publications.
    Alphabetical Journal Reference.
    ISSN International Standard Serial Number.

01.  ECONOMIC SCIENCE & MANAGEMENT.  SHOPPING

  • 01.01. A Solution Model for Intangible Components in Landed Costing Techniques - A Middle East Experience. Institute of Cost and Works Accountants of India ( N ). Course material for Southern India, Regional Cost Conference, April 21-22, 1979.

  • 01.02. A Solution Model for Intangible Components in Stock Reduction Process - A Middle East Experience. Indian Buyer
    ( F )
    . March-may 1979. Pages 23-37. 
    ( Presented in the Management Development Programme of the Indian Institute of Management, Bangalore, India, on December 28, 1978.)

  • 01.03. A Solution Model for Intangible Components in Foundry Management Information System. Indian Foundry Journal ( G ). March 1979. Pages 1-9.

  • 01.04. Management Information System for Foundries. Souvenir of the Modern Foundry Management Seminar, Institute of Indian Foundry men, Bangalore Chapter. Indian Foundry Journal 
    ( G ). August 7, 1978. Pages 1-8

  • 01.05. Procurement Budgeting. National Association of Purchasing Executives Bulletin ( S ). October 1970, Pages 2-7. November 1970, Pages 1-3. December 1970, Pages 7-9. January 1971, Pages 25-27. February 1972, Pages 4-5.

  • 01.06. Effective Materials Audit with Computer. National Association of Purchasing Executives Bulletin
    ( S ). July 1969. Pages 8-12. Reproduced in the Chartered Accountant ( B ), April 1970, Pages 649-653.
  • 01.07. In-Process Stock Control, Appraisal, and Valuation with Computer. Souvenir of the 4th Annual Convention of the National Association of Purchasing Executives
    (
    S ). March 14, 1970. Pages 11-20.
  • 01.08. Evolution of Management thoughts in the world. Indian Management ( H ). May 1978, pages 6-13.
  • 01.09. Essentials of Marketing Leadership in India. Business Management  ( A ). April-June 1969, Page 18-22.  ( Won a special award in the Sikandar Mallik memorial prize competition of the Hyderabad Management Association, India)
  • 01.10. Mrs Gandhi gave New Economic Approaches. Barbados Advocate   ( V ) Barbados. West Indies. January 8, 1985. Page 4
    (Centre Page Article ).
  • See 0801 & 0802  Millennium Publications also.
              (GO TOP)

02. PRODUCTIVITY.     SHOPPING

  • 02.01. A Solution Model for Intangible Components in Management Decision Process 
    ( A World Econometric Model ). Integrated Management (
    P ). March 1978, Pages 45-48. April 1978, Pages 43-48.

  • 02.02. An Econometric Solution to the Problem of Productivity Optimisation in India. Indian Management  ( H ). March 1972, Pages 1-6. April 1972, Pages 1-5.

  • See 0802 Millennium Publications also.
              
         (GO TOP)

03.  MANPOWER MANAGEMENT.      SHOPPING

  • 03.01. Behavioural Implications of Manpower Performance Appraisal System : A Macro level Analysis. Industrial India ( K ). October 1974, pages 31-35. November 1974, Pages 33-35. December 1974, Pages 47-51. January 1975, Pages 41-44.

  • 03.02. Managers Beware : Mind your Manpower first, the Rest Next. National Association of Materials Management Journal (S ) June 1974, Pages 9-12. August 1974, Pages 12-18.

  • 03.03. Behavioural Implication of Employees Performance Appraisal System in Materials Intensive Industry. Indian Management ( H ). November 1972, Pages 13-28.

  • 03.04. Operations Research for Optimal Manpower Utilisation. Course Material for Railway Staff College ( U ). Management Development Programme. December 9, 1971.

  • 03.05. Economic Appraisal of Manpower in India. Economic Times
    ( D ). Daily News Paper. October 16, 1971, Page 5. Centre Page Article.

  • 03.06. Buyers -Storekeepers Interaction System : A Sociological Approach to Effective Materials Management. National Association of Purchasing Executives Bulletin ( S ). July 1970, Pages 1-5.

  • 03.07. Technique for Labour Motivation. Productivity  ( T ), Winter 1969-1970, pages 524-533.

  • 03.08. A Mathematical Approach to Manpower Planning: A Case Study. Indian Management  
    ( H ). November-December 1968. Pages 42-51. Won the
    Shriram Award of the All India Management Association for the best Management paper of the year 1968.

                               (GO TOP)     SHOPPING

04.  MATERIALS MANAGEMENT

  • 04.01. Importance of Materials in the International Economic Cycle. National Association of Materials Management Journal ( S ). March 1974, Pages 10-15 Presented in the "World Congress in Productivity Sciences for the Progress of Mankind", Bombay, India, December 11, 1973.

  • 04.02. Managing Time : A New Dimension in Materials Management. National Association of Materials Management Journal ( S ).
    May 1971, Pages 18-19. June 1971,
    Pages 7-11. July 1971, Pages 21-22.

  • 04.03. Value Analysis : Its Management Dimensions. National Association of Materials Management Journal  ( S ). November 1968, Pages 3-7. December 1968, Pages 8-11.
    January 1969, Pages 10-13.                         
                 
    (GO TOP)

05.  RESOURCE OPTIMISATION.   SHOPPING

  • 05.01. Productivity Implications of Employee Performance Appraisal System in Indian Industries - A Critical Survey. Indian Buyer ( F ). July 1976, pages 31-37 ( Summary of the Author's Ph.D. Research hypotheses and inferences )

  • 05.02. Production Analysis for Optimising the Public Service Goals of Government Undertakings. Indian Management
    ( H ). February 1970, Pages 7-17.

  • 05.03. Probability Model for a Small-Scale Job Shop. Industrial Engineering and Management ( J ). January-March 1968, Pages 3-5.

  • 05.04. Linear Programming for Make or Buy Decisions. Materials Management Journal of India ( R ). October 1967, Pages 169-175.

  • 05.05. Optimal Purchase Strategy through Linear Programming. National Association of Purchasing Executives Bulletin ( S ). September 1967, Pages 2-7

  • 05.06. PERT System for Efficient Accounting Function in India. Indian Management
    ( H ), June 1971, Pages 3-8.

  • 05.07. Queuing Theory Applied to an Engineering stores. Indian Management
    (
    H ). November-December 1967,
    Pages 38-40.  { Reproduced in the National Association of Purchasing Executives Bulletin 
    ( S ). March 1968, Pages 1-2. }

  • 05.08. Work Simplification Applied to an Accounts Office. Productivity 
    ( T ), Winter 1967, Pages 355-362.
                       
    (GO TOP)

06.  RESEARCH AND DEVELOPMENT     SHOPPING

  • 06.01. A Mass-Communication Model for optimal World Socio-Economic Progress. Indian Manager
    ( I ). July-September 1978, Pages 287-297

  • 06.02 Management and Mass Communication Research as Media for optimal Socio-Economic Progress in Developing Countries. Industrial India
    ( K ). July 1976, Pages 21-25. August 1976, Pages 63-66. December 1976, Pages 89-91. October 1977, Pages 29-31. January 1978, Pages 33-36. March 1978, Pages 31-33.

  • 06.03. Pronounced Apathy towards Research. Industrial Times ( L ). November 10, 1975, Pages 17-20.

  • 06.04. Corporate Infrastructure for Fifth Generation Computers.
    ( Based upon a survey of Computer Hardware / Software Developments in USA and Japan ) Indian Management ( H ). June 1985. Page 19 - 28.

    See the Publication                          
    (GO TOP)

07.  TRAINING

  • 07.01. Computerised Information System-A Comparative Review between India and Abroad. Computer Society of India ( C ). Presentation Material to the Poona Branch. March 27, 1982.

  • 07.02. User Oriented Commercial Systems Education for Developing Countries. Indian Management ( H ). August 1976, Pages 23-26.                       
     
    (GO TOP)

08.  MILLENNIUM (Y2K) PUBLICATIONS    SHOPPING

  • 08.01. Accelerate Your Socio-Economic Development : An Eccentric Bicircilar Model and Solution. ( SEE CONCEPT / PAPER )

  • ALTIJARAH, Monthly Economic Journal of the Sharjah Chamber of Commerce and Industry, UAE. April 2000 - Pages 36 to 38
    ( Part 1 ). May 2000 - Pages 44 to 48
    ( Part - 2 ). June 2000 - Pages 43 to 44 
    ( Support Diagrams ) . July 2000 - Pages 42 to 44  ( Geometric Solution and About the Author ).
    Available on-line in the Internet Site : www.sharjah.gov.ae
    View in Social Science Research Net Work (SSRN)
     http://www.ssrn.com/author=360079
    View in Research Papers in Economics Net Work (RePEc)
     http://ideas.repec.org/e/psu50.html

  • 08.02. A Redefined Productivity Model and Socio-Economic Development Oriented Management Decisions.
    ( SEE CONCEPT / PAPER )

  • ALTIJARAH, Monthly Economic Journal of the Sharjah Chamber of Commerce and Industry, UAE. May 2001 - Pages 26 to 28 
    ( Part 1 ). September 2001 - Pages 20 to 23
    ( Part - 2 ). March  2002 - Pages 32 to 35
    (Part -3 ). Available on-line in the Internet Site www.sharjah.gov.ae
    View in Social Science Research Net Work (SSRN)
     http://www.ssrn.com/author=360079
     
    View in Research Papers in Economics Net Work (RePEc)
     http://ideas.repec.org/e/psu50.html
                                          
    (GO TOP)

    =============================================================

  ALPHABETIC JOURNAL REFERENCES     SHOPPING

  1. BUSINESS MANAGEMENT. Journal of the Efficiency Aids Private Limited, 17, Gulam Mohammad Mohideen Street, Madras 600 006. India.

  2. CHARTERED ACCOUNTANT. 
    ISSN : 0009 - 188X  Journal of the Institute of Chartered Accountants of India , Indraprasha Marg, Post Box 268, New Delhi 110 001, India.

  3. COMPUTER SOCIETY OF INDIA.
    ( ISSN : 0045 - 7892 ) Poona Chapter, C/O Sandvik Asia Limited, Pune-Bombay Road, Pune 411 012. India.

  4. ECONOMIC TIMES.
    ( ISSN : 0013 - 0389 ) Daily News Paper. Times India Group, D.Naoroji Road, Bombay 400 001. India.

  5. INDIAN ASSOCIATION OF MATERIALS MANAGEMENT (IAMM) JOURNAL. Cecil Court, Lansdowne Road, Bombay 400 001. India.

  6. INDIAN BUYER. Journal of the Indian Association of Materials Management, 8B Short Street, Calcutta 700 017. India.

  7. INDIAN FOUNDRY JOURNAL Journal of the Institute of Indian Foundrymen, Middleton Court, First Floor, 4/2 Middleton Street, Calcutta700 071. India.

  8. INDIAN MANAGEMENT.
    ( ISSN : 0019 - 5812 ) Journal of the All India Management Association, Deepak, 13, Nehru Place, Flats 51-53, New Delhi, 110 024. India.

  9. INDIAN MANAGER
    ( ISSN : 0046 - 9025) Journal of the Foundation for Management Education, School of Management, University of Cochin, Cochin 22, India.

  10. INDUSTRIAL ENGINEERING AND MANAGEMENT.  
    ( ISSN : 0019 - 8242 ) Journal of the National Institute for Industrial Engineering, NITIE Campus, Vihar Lake Road, Powai, Bombay 400 087. India.

  11. INDUSTRIAL INDIA.
    ( ISSN : 0019 - 8412 ) Journal of the All India Manufacturer's Organisation, Yashwant Chambers, 2nd Floor, 18B Barucha Marg, Bombay 400 023. India.

  12. INDUSTRIAL TIMES. Professional Journal of the Eve's Weekly Group, Bombay 400 023. India.

  13. INSTITUTE FOR INDIAN FOUNDRYMEN. Bangalore Chapter, C/O Kirloskar Electric Company, Post Box No 5555, Bangalore 560 055. India.

  14. JOURNAL OF THE INSTITUTE OF COST AND WORKS ACCOUNTANTS OF INDIA.
    ( ISSN : 0025 - 1674 ) Bangalore Chapter, 81/1 Mallikarjuna Swamy Temple Road, Basavangudi, Bangalore 560 004, India.

  15. Not Used

  16. INTEGRATED MANAGEMENT.
    ( ISSN : 0020 - 4870 ) A Research and Development Journal, 51 / 11th Main Street, Bangalore 560 005, India.

  17. Not Used.

  18. MATERIALS MANAGEMENT JOURNAL OF INDIA
    ( ISSN : 0543 - 0313 ) D 409, Defence Colony, New Delhi 110 003. India.

  19. NATIONAL ASSOCIATION OF MATERIAL MANAGEMENT (NAMM) JOURNAL. NATIONAL ASSOCIATION OF PURCHASING EXECUTIVES (NAPE) BULLETIN. Cecil Court, Lansdowne Road, Bombay 400 001. India.

  20. PRODUCTIVITY. ( ISSN : 0032 - 9924 ) Journal of the National Productivity Council, Lodi Road, New Delhi 110003. India.

  21. RAILWAY STAFF COLLEGE. Training Centre for Senior Officers of the Indian Railways, Government of India, Vadodara 390 004. India.

  22. BARBADOS ADVOCATE. Daily News Paper. The Advocate Company Limited, Fontabelle, P.O.Box 230, Bridgetown, Barbados. West Indies. Member of ABC, CPU, IAPA, CPBA and BPBA                                      
                                                
    (GO TOP)

    ===============================================================

              ISSN : International Standard Serial Number     SHOPPING

(Bibliographic Index ).

  • Librarian's Guide to Serials 1984. Richard.R.Rowe, Alan.T.Conlan, Dan Tonkery and Kevin.P.Sheen. The Foxen Company, Foxen Building, 15 South West Park, Foxen, West Wood, Massuchusetts 02090. U.S.A.
  • Ulrich's International Periodicals Directory, 22nd Edition 1983, P.R.Bowler and Company, A Xerox Information Company, Newyork / London.
  • Articles listed under H and P are available from the University Microfilms, Xerox University Microfilms Inc,300, N Zeeb Road, Ann Arbor, Michigan 48103, USA.

                          (GO TOP)


  • The first to set up a standard and publish the guidelines towards the Corporate Infrastructure for effective utilisation of the 5th Generation Computers.

  • Develop and Publish  an Algebraic Model to Accelerate the Socio-Economic development of Under - Developed / Developing Nations and sustain the developed status of Developed Nations.

  • Develop and Publish a Geometric Model based Productivity Redefinition and Socio-Economic Development oriented Management Decision Methodology.

  • Published over 60 practical application papers of multi-various interest, related to Socio-Economic Development  Management and Computer Systems applications.
                                      (GO TOP)     SHOPPING

*******************************************************************
Books (German & US Publishers)

01.  Accelerate Your Socio-Economic Development : A Geometric
 Model -
ISBN : 978-3838357614 See : store/page1.html#18
 

02. Be Smart to be Secularly Sharp : Improve your Smartness &
 Brain Power : A Philoso Scientific Approach.
 ISBN : 978-1484977576  
See : store/page1.html#7
 

03. Cyber Crime control Techno Legal Network : Cyber law shell
 ISBN : 978-3845438412   See : store/page1.html#23
 

04. Essential Economic Enquiries & Innovative Inter-Operable Answers. 
ISBN : 978-1497411678   See : store/page1.html#26
 

05. Multiply Your Motivation for Your Leadership.
ISBN : 978-1484830895  
See : store/page1.html#6
 

06. Poverty : A Corporate Creation & Ratio Controls For
 Eradication
ISBN : 978-1484087442  See : store/page1.html#25 
 

07. Productivity Redefinition for Socio-Economic Development   oriented Management   Decisions : An Algebraic Model.   ISBN : 978-3838364503.   See : store/page1.html#19
 

08. Productivity Implications of Employee Performance Appraisal System. 
ISBN : 978-3838374369.  
See : store/page1.html#20
 

09. Professional Quotes. ISBN : 978-1505928037  See : store/page1.html#2
 

10. Sectorism – Country Management for Global Leadership
 ISBN : 978-3843389167  See : store/page1.html#22
 

11.  War for Welfare Management ISBN : 978-3838390796 
 See : store/page1.html#21
 

12. World of Hard & Soft.   ISBN : 978-1477509845  See : store/page1.html#8

THEME PICTURE & QUOTATION - FACULTY

CROW

23. CAW BIRD

   PUBLICATION : THEME JOKE - PUBLISHED BOOMERANGS  

  01. BE OPEN - FOR GOOD HOSPITALITY RATING

OPEN HOSPITALITY FOR PRODUCTIVITYI was the  Information Systems consultant during late 1980s to the Holiday Inn, India  (Place hidden for security reasons), a 5 Star hotel. One day the Dynamic General Manager Kumar said “Don’t Hide. Be Open”. He had recently returned after a comprehensive training from Holiday Inn, Memphis, USA. I asked him “What that means ?”. He said “It is my latest concept to be published as posters and put everywhere in this hotel, for optimising the inter human relationship, and work coordination for creative hospitality”. I asked “Who is hiding What in this hotel ?”. Annoyed Kumar said “It is not for the employees, but for our valued guests, understand ? More they are free  to expose their needs, better we could serve to their satisfaction, and go up in the grading and rating by the Holiday Inn East and Far-East  control office in Hong Kong”. Accordingly the posters were erected and hanged in all the restaurants, pools, parks, saloons, gymnasium etc….  
The action and reaction to this piece of non–hiding exposure was dramatically effective, within a week.

  1. The tour group members from Toronto, Canada were seen walking all around the hotel, with bare body and in an under wear.

  2. The guest relations executive "Sarah" in the Swimming Pool Restaurant was  lying in partially hidden dress,  with American guests around, watching keenly.

  3. "Oneel" a server in the 24 hours restaurant, was explaining in detail to an Italian guest, about how the Chef  in the Kitchen, turns the left over food into new recipes on the next day morning.

  4.  In the  check-in counter, receptionist "Thelma" was explaining to a guest, about all the super services in the hotel with a end note that “Room services may not be that good and  sometimes our early morning wake up service person may over-sleep and you may miss your flight”

It was going on for 2 months. In this period, the Hong Kong’s Guest rating of this Holiday Inn moved up by 36%.  Kumar was very happy. I appreciated his "idea" publishing concept, and he took me to their Garden Restaurant, and offered me a "Banana Bread with Banana Jam" (See Recipe below), their hot-selling delicacy. This lasted till the NRI (Non Resident Indian) Promoter Chairman "Garamnani" returned from Dubai.  He was annoyed on these new posters and the changed hotel environment. “Am I in my Holiday Inn or in Honolulu ?”, he shouted. Kumar statistically proved that the hotel rating has moved up by 36%. Garamnani said “I do not want this hotel to be statistically great and be scenically slim”. From the next day I was not able to see any poster anywhere in the hotel. I congratulated he Chairman for his cleaning service, and he took me to their Garden Restaurant, and offered me a "Banana Bread with Banana Jam" (See Recipe below), a  duplicated complement for a reverse appreciation.

CHAIN HOTELS :  There are many International chin hotels in the world like5 STAR HOTEL Hilton, Holiday Inn, Hyatt, Le Mreidien, Radisson SAS, Ramada Inn, Riviera, Ritz, Rotana, Sheraton etc… The famous chains are either American or European. The Inn hotels are considered as an overnight lodging places with lower rates, than other prestigious chains. It is natural for anybody to think that these hotels at different locations are branches of one big head quarter hotel, at some place in the world. It is not true !! These are only names created after a long period of hospitality services in the hotel industry. Each hotel is run by separate owners and they use the international chain name. For this, they pay a quarterly royalty of  2% to 5% of their occupancy income or Room tariff collection = Sum of (Each room X the individual rate X 90 Days), irrespective of whether they are occupied or not ). By doing this,

  • The investor gets the advantage of the brand and service image of that name from the day they start. It provides a solid foundation for their sales promotion, from day 1.

  • The travel agents all over the world make package tours by getting a discounted rate to book a large group of people to the selected chain all over the world.

  • The tourists also know the services and facilities offered by the very name of the chain, and prefer to stay there, without any hesitation.

  • But the name lending franchise holders set certain standards and disciplines, and inspect every quarter (3 Months) to ensure that they are maintained, and their chain name is not tarnished.

HOSPITALITY RATING : Hotels are classified as a “Hospitality Industry” (Probably because the guests spend more time on the beds than on the hotel surface). Each 5 star graded hotels (24 hour restaurant service, Attached Golf course, Gymnasium, Membership to local prestigious clubs, Room level Internet facility, Swimming pool, etc…).
Each hotel is rated and compared with others in the same chain by the unit called “Guest dis-satisfaction per 1000 Room-nights”. It was assumed that the "satisfaction" is a mandatory commitment, but dis-satisfaction should be considerably reduced, to a possible minimum towards a Zero level !
1 Room night (RN) = 1 Guest staying for 1 night (or day, however hotels prefers to call it a night, as it is more  attractive to be in a 5 Star hotel during the night than the day !!). It is the period from the check-in to check-out for every 24 hours or less (Today 12 Noon to Next day 12 Noon is considered as 1 RN and charged for it, irrespective of the actual stay duration). Single rooms earn 1 RN per day. In double rooms 2 guests stay and it earns 2 RN per day, in Executive suits 4 stay and it earns 4 RN per day and so on…
It is mandatory that a “Guest Questionnaire” be made available either on-line through the in-house computer net-work or printed document  It is a must, and utility should be proved for continual improvement, if the hotel is ISO 9001:2000 certified. The questionnaire should be simple and cover all the prime aspects of the services provided by the hotel. The guest shall be able to tick each of them from Minus 5 = Very poor to 0 = Normal and Plus 5 = Very good.  A hotel with 50 Rooms (50X30 nights = 1500 RN  Minimum capacity per month), should target to gather at least 750 (50%) of them in each month. From each questionnaire, the mark value for the answers, and RN  are added, and tabulated.

  • Hotel Grading. Total minus scores  
    (-5 X 20 in 40 RN)+(-4 X 15 in 55 RN)+(-3 X 5 in 57 RN)+
    (-2 X 15 in 78 RN)+(-1 X 35 in 37 RN) =
    (-100)+(-60)+(-15)+(-30)+(-35) = -240 in 267 RN
    Dis-satisfaction per 1,000 RN = (240 X 1,000) / 267 =
     898.88. This dis-satisaction over 750 (50%) is considered bad.
     

  • Zero score is ignored (152 RN).
     

  • ISO 9001:2000 Quality Rating. Total Plus Scores
    (+1 X 84 in 35 RN)+(+2 X 75 in 70 RN)+
    (+3 X 95 in 60 RN)+(+4 X 75 in 80 RN)+(+5 X 37 in 35 RN) = 84+150+285+300+185 = 1,004 in 280 RN.
    Satisfaction per 1,000 RN = (1,004 X 1,000) / 280 = 3,585.71. This satisfaction score over a period of the last 6 months are  tabulated. If there is an upward trend, it is considered good. If it is static or the trend is downward, a non-conformity report is raised. The hotel management committee has to call for a meeting to discuss the reasons and make changes in the Quality Objectives / Policy / Procedures and organise Employee training programs.
     

  • Answered Occupancy for the month 
    267 + 152 + 280 = 699. (699 / 1500) X 100 = 46.60 %. The hotel grading team may recommend to increase this to at least 60% level, by collecting more answered questionnaires.

Both the Hotel Chain evaluators as well as ISO 9000 auditors, will provide 90 days to correct the situation, and again review the position. If there is no improvement, the hotel chain will cancel the use of their Franchise name, and the ISO 9000 certification body will de-list them from their certification.

 02. APPLIED COMMERCE TO GET  LOAN  &  ABSCOND

 "ApplyCALCLATE CAREFULLY the Knowledge of Commerce for Success"   was displayed everywhere in the Kurichi Co-operative Bank. I was designing an “Inter Branch & Bank Reconciliation Software” for them, during late 1990s. I asked the manager to explain the meaning of these complex worded posters.
He said "In any job, there is a commercial reason to do the same. For example, in a double entry book-kDOUBLE ENTY BOOK KEEPINGeeping system, the use of the amount is Debited (Added. If Stationery is bought, then 175/= Dr to Stationery account). The source of the amount is Cash. It is credited (Subtracted. Cash account 175/= Cr). If you commercially understand the use and the source of funds, calculate carefully, and post in the ledgers,  your job is easy and correct". 

When this discussion was going on, a leading "Edible oil wholesaSESAME STREET WIZARDler" who had come to deposit cash in his account, was   watching our discussion keenly, completed his work and went off. After 3 days the Edible oil merchant came to the bank to get a loan, by hypothecating  his go-down with 250  tins of Sesame oil stored. (Sesame is botanically Sesamum Indicum. It is  Thal in Gujerati, Thil in Hindi and Ellu in Tamizh. It is also called Gingili  in India). Each tin was  25 Litres capacity. During 1990's the price of 1 tin (of 25 Litres), in the wholesale market was 225 Rupees (Rs). Hence the value of the go-down stock was 250 Nos X Rs 225  = Rs 56,250 As per the Bank rules, a maximum loan of 28,000 (about 50%) at an interest rate of 12.5% per annum  (payable in advance in every quarter) can be sanctioned by the branch manager, subject to the inspection of the quality, quantity, pack, safety and  insurance details. The merchant however applied only for Rs 25,000, with the required supporting documents. 

The Manager personally visited the go-down, with his bank Accountant, as a witness support. The tins were counted, capacity tag and leak proof  package in each was verified, go-down safety arrangements were checked and insurance against fire, theft etc.. were verified. 10 random samples of the oil was collected by piercing the tin from the top by a special syringe, which draws about 1/8 litre of oil.  The sample oil was sent to the bank's approved oil tester and found to be of "A" grade quality. In about 10 days, after the approval of the loan application with the inspection report, by the Zonal office, a loan of Rs 25,000  with a quarterly interest of Rs 781.25 (25,000 X 12.5/100)/4) was sanctioned.  An amount of Rs 23,468.75 was credited to the merchant's account in the same bank (25,000 - 781.25 interest - 750 inspection charges). A board saying "This Go-down is Hypothecated to Kurichi Co-operative Bank" was hanged in all the 4 sides of the go-down. The  interest for the next quarter was paid promptly by the merchant and then stopped, even after  reminders !!

The manager was worried and rushed to the go-down. The stocks were intact, but the merchant has packed off and absconding !! As per the bank's authority, the manager seized the stock, and sealed the go-down.  A closer inspection of the stock revealed that bottom of all the tins were rusted !! Then 2 tins were opened and found that the oil is only 1/4 tin on the top, and the bottom 3/4 was filled with water.

The bank accountant said that our suggestion to "Apply the Knowledge of Commerce for Success" seems to have worked practically !! The manager angrily asked "Are you joking without realising the tense situation ?". The Accountant said "No, Sir"
 A) The merchant has applied the commercially fact that oil of low density (0.97)
       floats on the top of water of density 1.00.
 B) Then he applied the commercial concept of samples drawing from the tins.
       It can be drawn only from the top, as piecing in the bottom is irrelevant and
       foolish.
 C) So, the total value of the floating oil stock is only Rs 56,250/4 = Rs 14,062.50.
 D) Against this, he got a net amount of Rs 23,468.75 - 781.25  additional interest
       for 1 more quarter = Rs 22.687.50.
 E) He has already made a net profit of Rs 8,625. (22,687.50 - 14,062.50)
      by hypothecating this to our bank.
The manager asked " How dare you explain all these, without realising the expected action against us by the Zonal office ?". The Accountant calmly replied "It is because I commercially understand the concept of our bank's double entry accounting system.

A/C Head Dr Cr
Loan Account Rs 25,000.00             ---
Oil Account   Rs 14,062.50
Water Account         10,937.50
Total Rs 25,000.00 Rs 25,000.00

Commercially Total Dr = Total Cr

He further said to the manager "You used to say that we should retain and encourage intelligent and dynamic customers.  This oil merchant is one in that category. But he has run away. How to find him back ?". The manager said "You need not find him. The police will find him".

Then the manager asked me "As a consultant, can you suggest a way to protect the bank against such planned cheaters ?"I said "You publish ideas to sharpen the brains of your employees and the customers. But the bank procedures are not commercial and protective". In such cases, the procedure should be :-

 01. Number the tins from 1 to 250.
 02. Take the nearest 5% or 13 whole tins for testing.
 03. Take a 3 digits random number table.
 04. Select the first 2 digits  from the top.
 05. Take the Tin number pointed by these 2 digits. Then go down in the table
       serially.
 06. If the first 2 digits of the random number repeats (by chance), go down in the
       table and continue. 
 07. Follow steps 05 an0d 6,  till you get 13 tins.
 08. Completely open the top of all these random tins and check the contents
        inside.
 09. You will know the exact contents provided for hypothecation, by the loan
        seeker. 
 10. Re-seal the tins and store back, if all are good.

 The manager asked "How will this protect the bank ?". I said "Of course ! The cheater will runaway before taking the loan, than after, as happened now !!!"

  03. DO & DOCUMENT : TO SAVE YOU AND THE COMPANY

Esso Standard Eastern Inc, in Bombay, India, is an Eastern affiliate of the International oil giant EXXON, Newyork, USA. (In 1974 it was nationalised by the Indian Government and renamed). I was heading the Computer Information Department, from 1968 to 1974, controlling the Far East region {Burma (now Myanmar), Ceylon (nowSTANDARD OIL - DOUBLE HOLIDAY MASTER Srilanka), East Pakitan (Now Bangladesh), India, Nepal and West Pakistan (now Pakistan) (6 nations)}.   Oil companies in all over the world make huge profits due to their “Creative Culture” management and Productive  environments.

One of the important efficiency-optimisation methodology of Esso was providing rest, relaxation and peace to the employees, wherever possible. Accordingly the working days per week was made as 5 (Monday to Friday), a feature, not practised anywhere in the nation during 1960’s and 70s.  Hence, It became popular that ESSO (Shortened form for Standard Oil – SO), was interpreted as “Every Saturday and Sunday Off”.

Mr. Hari Rao, a short, bald man with an always smiling face was the Newyork auditor. He was  placed as the "Comptroller", the top position in Accounts and Finance. He was  controlling the 6 nations in the Far East Region, from the Head quarters at Bombay, India.

In 1960s and 1970s, the previous month's accounting entries were closed on 2nd of the next month. A first "Trial Balance" was  published on 5th. Correction and reconciliation entries are posted by 7th. By 10th the final Trial Balance is published. By 12th of the next month,  Profit and Loss, Balance Sheet and Budget versus Actual analysis  by Accounting heads were published and  made available to Mr.Rao, for his review and approval. Then by 15th of each month, the previous month's position is summarised in a one-page Report Control format called RC-1620. By 16th of each month, It is telexed through a dedicated line through Hongkong, to directly write on a computer disc in  Houston, USA.  The Esso head quarters in US summarise the RC-1620s from  the affiliates all over the world, and by 20th, they know the complete financial performance of the entire Esso global operation, for the last month.      

Esso marketing division, a fully owned American corporate unit, was a leader in oil products and  dynamic in customer relations., They are famous in publishing banners with short and smart ideas, to slide smoothly like a lubricating oil into the minds of the people. Mr Rao was also very particular in propagating productive themes among  all the divisions in his control. 

03.01.  GOOD WORK IS FASTER ACTIONS.
ACTIVE RAO
Any time you enter Rao's office, you will find the in-tray and out tray for the corporate documents are empty. Because he believed in completing the work, taking decisions and provide the next course of action, immediately and then and there. He was keen to propagate and promote this habit among all employees under him. He published a number of table boards with  Do it Now. Don't Delay. These were placed on all supervisory tables, clearly visible to all staff working under, all over Indian operations, as a trial.  The results were immediate and drastic.

  • The cashier in Mazagaon Oil Terminal ran away with 20,000 local currencies in the next 2 days.

  • The 4 clerical vacancies in the Lucknow district office was filled immediately, about which Rao was asking for a justification report, supporting the  work load increase. 

  • Rao's secretary "Dorathy" registered her marriage with Rao's beloved nephew "Gopi" within a week. The couple came with attractively smiling faces to Rao and said they are going to "Malayasia" for a honey moon.

  • The computer operators "Cyril Fernandez" and "Ganpath More" jointly resigned with hi-fi reasons on 28th of the month when the payroll processing was due for all the 6 nations, refineries, district offices, terminals etc.. covering nearly 65,000 employees.  

However, Rao said that he was happy to find his published idea has started motivating people in the right direction and it will soon work in the corporate side too, within the infrastructure !!!

03.02.  DOCUMENT FOR CORRECT RESULTS.
Rao always looked for correct "Profit number" and "Payable and Receivable position". In  financial management, the following are important :-

  • Monthly profit (Income - Expenses) indicates how good the company is performing to get surplus money for investments,  incentives and continued support to the shareholders. Loss reflects  a disincentive for continued operation and progress.

  • Receivables from credit customers is a current asset, and it indicates how good is the collection and cash in-flow. Smaller the number, stronger the company.

  • Payables to suppliers is a current liability and Smaller the number, stronger the company.

  • However corporate wizards play between Receivables and Payables, by making both equal, even though they are high. This means the customer will pay to the suppliers, through the company. This reflects the company's liquidity position in the "Balance Sheet".

Rao was finding that these numbers are not that accurate, because the documents like Invoices, Goods receipt notes and major Payment / Receipt vouchers are not prepared in time and processed through the computer (Old IBM-1401 main frame system with punch cards  of the 1960s and 70s). As a result, the figures spill over to subsequent months, and indicate lob-sided picture of the corporate position. So, he made a sizeable stickers with the words "Document - To save You and the Company". It was pasted in all divisions and departments of the Head Office (HO), to start with. 

DOCUMENTING NIGHT ROBBERThe Cash department and the Staff canteen of the HO were located in the ground floor for easy and direct access for the customers, employees and the visitors. "Ashok", a server in the staff canteen used to take special pride in extending personal tea and snack delivery service to the staff in cash department. As a side observation, he was amazed to see the volume of cash receipts, and and also oriented himself to their storage method in the vault. He saw this newly published sermon, and it seeded an idea in his inventive and innovative brain. During 1978 yearly closing, there was surplus work in the cash department and the evening shift clerks requested Ashok to be present, prepare tea and serve them till late night. After the closure of their over-time work, the locker was closed, lights were switched off and the cash clerks went away around 1'o clock in the night.   Ashok said "I will sleep in the canteen and go in the morning".

Arond 2.30 in the night Ashok got up. Opened the locker. He found a cash balance of 27,400. The he found the Cash Book showing the same amount. He took 27,350 and made an entry in the cash book to  Night Robber  as To :  N.Robber  - 27,350.00 Cr. Balance 50.00.

Next morning the day clerks came and they found that the  opening balance cash of 50 was tallying perfectly with the previous night's closing balance in the Cash book. They found the last entry was to N.Robber and added a "t" at the end, and made it as  N.Robbert .  That was the exact name (Note the 2 Bs coincidence) of the Bhusaval district manager, who was in the HO, on the previous day, prior to proceeding  on vacation to London for a month.

Ashok came as usual to the cash department around 11 AM, to serve the  tea, and found to his surprise, that every thing was smooth and happy!!! Days, weeks, months and years passed. The robbery was not detected, because the Documentation was correct, To the good luck of Ashok, N.Robbert resigned from London, as he got an opportunity to make a good fortune in Sterling Pounds as a NRI (Non Resident Indian). His account in Bombay was  closed in absentia, and he accepted the full and final settlement, as presented by the company.

Documentation saved Ashok as well as the Company. Was not Rao a great and profitable sermon publisher ??? 

For more Oil Corporate and  Refinery Management with Details / Jokes in this Website click » STANDARD OIL, USA                

PUBLICATION THEME RECIPE  : BANANA BREAD WITH BANANA JAM
SOURCE : Arun Meagan, Chef, Holiday Inn, India.
A. Banana Bread
INGREDIENTS
01 Baking Soda 3/4 Tea Spoon
(Sodium Bi-carbonate)
02 Banana (Ripe Robusta Variety is preferred) Mashed 3/4 Tea Cups (Smashed thoroughly into a pulp)
03 Butter
1/2 Tea Cup
 
04 Chickpea flour 1¼ Tea Cups
(
Besan- Seived and nice)

05

Eggs   2 Nos
06 Fresh Flavour Ghee 1 Table Spoon
07 Salt    1/2 Tea Spoon
08 Sugar       1 Tea Cup
09 Vanilla Essence 1 Tea Spoon

     PREPARATION
     1. Mix, Churn  the Butter and sugar thoroughly, until fluffy in  a bottom
         concaved  Vessel# 1 (Fairly Large sized).
     2. Beat and Churn the the white and yellow eggs contents  thoroughly, in
         another bottom concaved  Vessel# 2.
     3. Beat and Churn the the pulped Banana and the Vanilla essence in another
         bottom concaved  Vessel# 3.
     4. Add the contents of Vessel# 2 and #3 into Vessel# 1.
     5. Add Baking Soda, Butter, Fresh flavour ghee, Salt and Sugar to Vessel# 1.
     6. Beat, Churn and thoroughly mix all the contents of Vessel# 1.
     7. Pour all the contents of Vessel# 1 into a greased loaf pan and bake at
         75°C  (350°F) for  30 minutes.
      8. Keep the baked Banana bread in a medium hot environment. 

B. Banana Jam
INGREDIENTS
01 Bananas (Peeled) Ripe Robusta Variety is preferred 1 Kg
02 Sugar 1Kg
03 Pine Apple Juice 1/4 Kg
04 Lemon Juice 2 Big Lemons

        PREPARATION
        1. Divide the Peeled Bananas into half (1/2 Kg + 1/2 Kg).              

        2.
Place half (1/2 Kg ) of the peeled bananas in a large  saucepan and mash
            with a potato masher.
        3. Cut the other half of bananas into to thin slices, and add them to the
            pan.              
        4. Add the juices of lemons and  pineapple.
        5. Heat on a low setting,  slowly stir add the sugar slowly, until all the
            sugar is dissolved.
        6. Boil the contents for  3 minutes and  then allow to cool.
        7. Pour into a jam jar or other suitable container.
        8. Cover and seal.
       (Note : Heating any juice on direct fire will make it bitter).
       
*****************************************************
        HOSPITALITY
        
A. Slice the Banana Bread.
         B. Take 2 slices. Apply the Banana jam to one side of both the slices.
         C. Put the slices together with the jam side of both inside.
         D. Make 3 cuts across (Set# 1).
         E. Take 2 more slices of Banana Bread and prepare as in  A to D above
              (Set# 2).
         F. Serve both the above Sets 1 and 2 in a half plate, with a fork.
         G. Serve 1 Glass of Coldl Fruit juice OR 1 Cup of Hot Tea, as
              per the choice of the guest, to quench / wet the throat, for relaxed
             eating.
      ***************************************************
********    
                                         ABOUT  BANANA  FRUIT                                            
BANANA  FRUITHistorical evidences from Papua New Guinea an OceanicTREE STRUCTURE OF THE HERB - BANANA island (Pacific) indicates that Banana is known to human generations as back as 8000 to 5000 BC. The Banana is mentioned for the first time in written history in Buddhist texts of 600 BC. Alexander the Great discovered the taste of the banana in the valleys of India in 327 BC. The existence of an organised banana plantation could be found in China in 200 AD. In 650 AD, Islamic conquerors brought the banana to Palestine. Arab merchants eventually spread bananas to Africa. The word Banana has its root in West Africa and passed into English through Spanish or Portuguese.

In 1502, Portuguese colonists started the first banana plantations in the Caribbean and in Central America. As late as the Victorian Era (1837 to 1901), Bananas were not widely known in Europe, although they were available via the merchant trade. Jules Verne (French author 1828 t0 1905) refers to Banana with detailed descriptions  in his "Around the World in Eighty Days (1872)", a scientific fiction book, which was released by the US motion pictures in 2004.

A banana is a herb,  because of its size and structure. It is often mistaken for a tree. Bananas belong to the family of Musaceae (Herb looking like a tree), and closely related to the  Plantains. Globally, banana ranks 4th after Rice, Wheat and Maize in human food production. They are grown in 130 countries worldwide, more than any other fruit crop. Bananas are native to tropical south-eastern Asia. About 81 varieties of Bananas are identified, and their taste range from Sour to Sweet, depending on the type and ripeness.

Nutritional value per 100 gram of the edible parts of Banana is Energy 90 K.Calories ( 370 K.Joules). Carbohydrates 23 gms. Sugars 12 gms.   Dietary fibres 2.6 gms. Fat 0.3 gms. Iron - 0.287 gms, Protein - 1 gm. Vitamin C - 0.009 gms, Potassium - 0.358 gm.

Banana is good for Anemia (Iron), Blood pressure (Low salt), Brain power (Potassium), Constipation (High fibre), Depression (Lack of motivation -Tryptophan), Hangover (Discomfort due to alcohol - Glucose), Heartburn (Gastric trobles - Antacid), Morning sickness (Vomiting - Sugar), Nervous system (Vitamin B), Stress (Body pain - Potassium).

                                 BANANA & CHEMISTRY OF DIET                                       
                                                                                                                                      
                  CONVERSION OF STARCH TO SUGAR-FRUCTOSE-GLUCOSE


There is a difference between Banana and Plantain fruits. Plantain is starchy and not easily digestible. They are hard in structure, and fruits have yellow or red skins. Banana is soft and tasty. Robusta  is the most popular variety, the processed and powdered pulp of which is an essential ingredient in any Baby or Health food. The chemistry of diet starts with Starch (Barley, Maize, Rice, Wheat etc..). These are made up of Carbon, Hydrogen and Oxygen (C6H10O5), and chemically called "Carbo Hydrates".   The starch is fibre in nature, with long Carbohydrate chains, not suitable for digestion. This has to be broken and converted into  Sucrose first (Sugar - C12H22O11). Even Sugar cannot be absorbed directly by the digestive system of the body. It has to be further broken into Glucose (C6H12O6 : Acidic Aldo-hexose) and Fructose (C6H12O6 : Hydrogen accepting Keto-hexose). Banana performs this chemical breaking, and directly provides the Hexose components. Plantains retain a large quantum of starch and warrant comprehensive and scientific cooking to do the same conversion. (Otherwise the eating will end in indigestion and stomach pain !!).
*****************************************************
***** 
NOTE : Animal, Diary and Edible oil fats are also complex Carbo Hydrates with composition like C45H86O6 . It is difficult to break and convert them to Fructose or Glucose as the Hydrogen to Oxygen ratio is not  2 : 1  as in  Starch and Sucrose. Hence  Non-vegetarian & oil carbohydrates are not that easy to digest as a Vegetarian carbohydrate, unless it is cooked scientifically and comprehensively.  Eating this will also end in  indigestion and stomach pain !!
TIP : Hydrogen to Oxygen ratio   2 : 1  is nothing but water (H2O) !!
 

SOURCE :  www.scentificpsychic.com/fitness/carbohydrates1.html  +
                     www.visionlearning.com/library/ + www.finetuneyou.com/Banana.html
                     www.en.wikipedia.org/wiki/Banana + Many books and literatures  in 
                     Banana, Bio-Chemistry + Home collections + Library references +   
                     Personal/Ancestral knowhow + Discussions with many intuitive Rural
                     people having large Banana and Plantain farms.

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