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!

This issue also has a small story that I read

Message from the CEO, BIFM on the net... do read it and send me your
comments.
BIFM stands strong and successful on the young team that it has today.
The energy, commitment and dynamism of team BIFM is the greatest Someone once asked me: ‘How many
strength for us in times to come. Our business is powered by the faith of people read ‘The Learner’?’ Well, this ‘pdf
the industry expressed for relevant education which makes it effort’ is aimed at evolving into a viable
recession-proof. We need to harness this faith through a strategic tool for internal communication... and a
commitment and cater to industry demand for market-ready
source for learning. In its small way, it has
professionals.
succeeded. The number of people sending
My focus shall thus be in the creation and retention of a powerful new year messages to their colleagues is
talented team that can survive under any pressure and shall be a force
an example that is undeniable.
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 Wishing you all a great time ahead in the
tapped and we shall do it well. coming year... enjoy what you do and
Trust God and yourself and work with a laser sharp focus on leading remember that what you do now will stay
and dominating the market. Unleash your potential here at BIFM. with you for ‘lives’ to come.
- Siddharth Bagri.
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! ]
 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

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

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

The Learner A small newsletter that reads big!

 Year 2008 has bro
ught more sorrow
from global financia than happiness...
l turmoil to bomb bl
A new year has the term But it has given us the asts in many cities.
opportunity to stop
"new" in it. So, I will be own position as to wh and analyze our
ere we are heading.
looking to have a has highlighted the The passing year
major issues the
completely new developing countrie developed and
s are facing. The ev
perspective both in naxalism has once ils of terrorism,
professional and personal again raised their
challenged the pillar heads and
s of our society. It h
life. I would rather extend questions on the ef as raised several
government in their ficiency of our dem
this to each one of us, so ability to tackle the ocratically chosen
that we could find out what has exactly economy has result scourge of terrorism
ed in degeneration of . Growing
gone wrong and look at the things from a in a way totally erode value system in our
d all moral bindings. society, and
new perspective and start afresh to get The development pa
th now must be able
things going. Financial markets are in a and economic grow to synchronize the va
th... at all levels... lue system
tough situation, and we need to replan our National. individual, organisati
onal, and
strategies and work-vigour as well. Wishing I hope that the comi
ng year will wash all
everybody a "new" year in true sense, so people to collective the evils of the mind
ly contribute in grow and unite
that we discover a hidden force in us and New Year will wipe o th. I hope the frag
ut sorrow that we fel rance of the
aim to achieve what we haven't been in the - Nidhi (Corporate Re t in year 2008.
lations)
past year. Happy new year!
- Amit Agarwal (Faculty)
for INDIA,
teresting year
Its being an In Medal @
of First GOLD
from the highs fir st lunar
cs and India's
May god shower his load
s of Beijing Olympi M u m b ai terror
the lows of
blessings on u expeditions to n a fu ll circle. I
has take
so dat sky becmz your lim
it and attacks; India m e joys
or
t year brings
u reach all heights of su
ccess. hope that nex pl edge that
nd we should
May dis new year b d luc
kiest one. than sorrows, a ha pp ened on
et what
Wishing every one happ
y new we won't forg e should stand
year 2009 with loads of g th is election year w s
luck n 26/11! An d d u rin for our country'
- Sonal Sharma (BDE)
ke a st an ce an d bring a change e ca n 't p i n-
up, ta n't then w
cause if we do s. So
Tough times never last but tough people do. The betterment, be th eir ac tion-less politic
fo r be
year gone has imparted a very rich experience for point politic ia ns p and for o ce n
so ul s, I a sk you all to get u
people associated with various fields of economy sleeping
specially finance; like never before. I wish accounted for. tions)
(Corporate Rela
everyone to make a solid base on it and fight back - Jasjeet Singh
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. This alone is so much to be thankful
- Jaswant Aditya Singh (Faculty - TA) 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
An year gone... another to dawn
. What is a NEW we can always look forward to a
Year? A new year comes a
s a bunch of new new morning, a new beginning.
opportunities. But it will not
be easy for terror There are still a thousand and one reasons why we
victims. They lost all hope should be thankful for 2008, we don't need to
to live their life.
Therefore, as a responsible citizen of this elaborate and/or write everything, it's enough that we
country most effected by ter accepted what was given us and thankful for every
rorism in 2008, we
should do something for the lesson learned. As we leap to the New Year, let's bring
resolution for this new year to m. Lets make a
help them....!!!! with us all the positive things we learned from 2008
"Everyone thinks of changing
the world, but no one thinks and transform to a better us. Wishing every one
changing himself." of
HAPPY NEW YEAR 2009!

r obstacles
g to en d, a nd now we nee d to face 2009. Stay alert and jump ove nd
2008 is goin
Re me mb er, it's not wh at we do for a living but how we do it a
with care & caution ... erence. Good
l use ful and fin d me ani ng in our work that makes the diff
whet her we fee workplace
s don 't m a ke goo d peo ple ; good people make for a good t
circumstance
g to be an ex e mp l ary i n div idu al at work, opportunities will presen
atmosphere. By learnin you should also
v e s o p eni ng a pat h lea din g to your next phase of life during which e become
themsel k, you will see how all your efforts hav
t. Lat er, w h en you loo k bac d.
continue doing your bes
. You will rea l i ze th a t you r effo rts and hardship have not been waste
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
Let blazes o down,
f valour hit
May New Ye terror down,
ar write a br ...
With the he and new sto
adlines sayi ry...
“ BIFM BAC ng ..
K TO ITS OLD .
To all the on GLORY " new,
es who are d, ring in the
wishing you near and de Ring out the ol e snow:
a rocking new ar, lls, across th
- Abir Mukh year! Ring, happy be m go ;
erjee (Mark ing, let hi r has
eting) The year is go e. The Old Yea
t t h e fal se , ring in the tru d. T h e New
Ring ou own dea
. Le t th e d ea d past bury its k of tim e. All
gone e ss io n of the cloc
n p o s s tw e lve
New Year begins, let us pray, that it Year has take p os sibilities of the
coming
tie s a n d
will be a year with new Peace, new hail the du e world and
Happiness, and abundance of new months! w ith a ll the lights in th
se's perfume
a nd ams come
friends. God bless you through out the With all the ro s . I W is h U t hat your all dre
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
a g u eri ll a warrior. ge s . If t he winning go off the past and embrace life as it
Trade like ly to ch an
t l ea rn to adapt quick in th e ne w party and to comes to you. You will be happier and
You mus sitate to jo apital, men
tal,
is ch an gi ng, don't he is si de (c merrier that way.
side to t h 't get
your forces change. Don - Ajay Sharma (Corp Commn)
commit all i l the m ar ke t conditions
l) .. . un t oe s no t
emotiona it. A trade d
married to t
rades.
m e pl an then stick to as o n s fo r having
. Create a ga tion + re
Be disciplined ists of a posi
is t of a po sition. It cons k in g le vels.
simply cons + profit ta rough.
lo ss le ve l markets get
the position
+ a stop
l in e w i l l sa ve you when
n your discip i team)
In the long ru al yan shetty (Mumba
r B K
- Shivakuma ,
ill infuse funds
ho p ing th a t Governments w e st io ns to
inancial crisis,
while me sugg
In this global f er demand. So
Winning Doesn't
a m a jor w or ry with consum
ll be
Always Mean Being liquidity will sti nal efficiency
ev e n in a downturn: bl e . - Im prove operatio
First, Winning Means ge t go in g much a s po ss i uisitions unless
ash on hand as on any large acq
You're Doing Better Conserve the C nditu re. - Pu t h ol d
framework to
be
perational expe cost structure
T h a n Yo u ' ve D o n e with reduced o l . - In te rn al W or k fo r C os t
de r e d st ra te g ically critica C ap i ta l e x pe nditure. - w &
Before... I really wish consi ference of sh flo
orked out. - De view of the ca
that all of us work towards becoming a aggressively w ve t arg et s. - Have a critical - Fa i lur e o f the same
s & achie ming period .
better person than before. We have to effective result ts in th is fo rt hc o
ed for the targe
be in competition with ourselves only strategies plann tions. so says the
re su lt in i rr et rie v a b l e p os i
by t h e LA W OF ATTRACTION
and soon we’ll find that we have coul d 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.
s bu ild a strong future fo
So let u am )
ra (Mumbai te
- Gita Balachand
is purse into his
"If a man empties h
it away from him.
head, no one can take A special and warm wishes to all the team members of
k no wledge always
An investment in BIFM that coming year 2009 brings success, revolution,
t." Lets begin this
pays the best interes happiness, enthusiasm & motivation to work hard &
investment in the
year with the right harder and provides lots of growth opportunities to
e BIFM, the best
right direction. Choos achieve the mission of organization and BIFM create
.
in Financial Education new milestone in the financial world with the support of all team
i M eh t a (Mumbai team)
- Priyadarshin members.
- Vivek Agarwal (GM - Operations)

The Learner A small newsletter that reads big!


PUT
A To solve this problem, fish companies installed freezers on their
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!
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.”
The Learner
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.
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!
Bill Vaughn
A small newsletter that reads big!