This is the 27th quarterly issue for the associates of Gopast. This issue contains Mind management, Wealth Management, Retirement planning and gallery of news and achievements

1. A MAGAZINE FROM THE GOPAST CENTRE FOR LEARNING
Inscriptions 27
PANNEL 4 WALL 7

2. TOPIC BY
PAGE
NO
INDEX 2
Sculptor Inscribes Mr R. GOPINATH 3
Gurus speak Mr R. GOPINATH 10
Caterpillars’ Space Mr and Mrs Vanamali 18
Proud to be
associated
26
News and Gallery 30

3. SCULPTOR INSCRIBES
R.GOPINATH

4. Habits: A blessing or A Curse?
Break old (bad) habits; Cultivate new (good) habits
R.Gopinath
gopinathr@go-past.com
A mighty big, hard rock, can be broken with consistent efforts. An old habit
ingrained in the human, can be broken with consistent efforts if he wants to.
He can cultivate new habits.
A farmer inherited a hillside rocky land. It was a
useless piece of land. Nothing grows on it. But he
worked on it. First he started breaking the rocks
and then threw the debris away, after a few
months he got to see the soil hitherto lying under
those rocks. He started tilling the soil and then
started farming on that land. Crops grew and his
life changed. It was hard work, but not painful
Earlier he had a poverty filled life. The society ignored him and many times
avoided him. His family was struggling to survive. Now he is earning, he has
eradicated the poverty from his life. He is now respected in the society. His
family is having a decent life.
No fairy tale, even though it seems to be so.
Breaking old (bad) habits and cultivating new (good) habits turn into
blessings
Good news: You were not born with the habit that you want to change now.
You developed it later on. So it is only logical to believe that you can drop it
or change it. If it is so, then why are some people not able to change their
habits even if they want to? They want to change but they are not able to
change. So there are two issues here; 1) How much deeply they want to
change and 2) Ability to change. It could be a Habit of coming late every day,
or a Habit of procrastination or the Habit of smoking/drinking/gambling or
the habit of watching movies (Many) or even a habit getting diverted after
beginning well, but before finishing.
There are 2 important components of our habits 1) Our Senses (Visual,
Audio, Kinaesthetic, Olfactory and Gustatory) and 2) Our brain. Our senses
keep feeding information to our brain and our brain starts working on it,

5. interprets it, assigning meaning to it and fires instructions to various organs
of our body.
Look at this vending machine.
In someways our brain works like this. When the brain releases the
chemicals (Hormones) into the organs of our body, it starts functioning in a
manner specific to that chemical. Even though the chemicals are stored in
various glands in our body, the release is made by the brain. In the vending
machine, pushing that lever releases that beverage. In brain thoughts does
that job. For example, in a running race with 50 meters left, an athlete surges
ahead pushing behind all those in the lead and clinch the Gold. He thought
about winning, he thought about speed, he got the speed. Adrenaline got
released into the body. A boy leaving for his exams was cautioned that this
time the paper is going to be tough. As he received the question paper, he
saw that the first question was tough, he thought he is going to fail today.

6. GABA (Gamma Amino Butyric Acid) got released and he went blank for a
while. His hands become heavy and he was not able to write even the known
answers well.
How do we create thoughts? Mostly in two ways. 1) By ordering the brain to
think and 2) By habit. Suppose i ask you to draw a butterfly now, you will be
able to draw it. I ask you to draw an elephant, you will be able to. What
happened here? you asked your brain to think of a butterfly, it did. You asked
to think of an elephant it did. When you are facing an issue to be solved, you
order your brain to find a solution for it. It starts thinking of it.
Just like we have developed physical habits like, somebody writing with left
hand and someone else in right hand we have also developed thinking
habits. While exercising this thinking habit, we are on autopilot. No analysis,
no decision making. it just thinks that way.
The brain is the machine and its functioning is called mind. Our mind’s
functions can be divided in two major areas. 1) Conscious and 2)
Subconscious. The conscious mind 1) Receives information through the 5
senses. 2) Analyses it and labels it like, good, bad, correct wrong and so on.
3) Stores the information in the respective regions of the brain and 4) When
the occasion demands, recall the stored information to make decisions and
issue instructions to the various organs of the body like, run now, sit down,
read, sleep, chose this, don’t chose that and so on. It will distinguish
between legal, illegal; good and bad; healthy and unhealthy.
After repeatedly deciding on a particular issue, this aspect is pushed into the
subconscious mind. Conscious mind consumes lot of energy. Like some
apps in our phone consume lot of battery. But subconscious mind is like an
dautopilot. No analysis or labelling like good, bad, healthy, unhealthy and all.
Moment any of the 5 senses sends the information to the brain, this
subconscious responds to it autopilot. For example the smell of baking of a
cake responds with hunger, or a craving to taste it. Subconscious mind
consumes less energy.

7. With this introduction now let us discuss about changing habits. Habits have
already been ingrained in our subconscious mind. We don’t apply our mind
on such actions, like we (our brain) do not question as is this good or bad, Is
this correct? or is it wrong? is it legal or illegal, is this healthy or unhealthy,
We just auto respond to our senses of smell, taste, vision, audio and
kinaesthetic.
We get drawn into an action. we may regret later on but at that moment the
pull is so heavy. The brain factory works full capacity to release chemicals
that will make us firmly act, because of the thoughts that got in like this is
tasty, this gives pleasure or this gives me status and so on. In our
environment there are some elements who would have justified these actions
with their logic.
“Why worry about anyone else, it is your life and you live it the way you want”
We get to live once, therefore “ENJOY” it fully
Girls are equal to boys, therefore you are also entitled to all those which they are
“Enjoying”.
After all your grandfather had no bad habits, but he died at 50, whereas my grandfather
used to smoke a lot but he lived 80+
So one method of checking our habits or changing them is to pay attention
to your environment and identify such negative elements in our environment
that will send info to our brain through the five senses on receiving this
information the mind goes into an auto pilot response. (Please read
inscriptions 26, the previous issue, for your ready reference it is also
appended at the end of this article)
The second method is to pay attention to the inside of you. The autopilot
response to a stimulus (A tempting attraction) is not instant. There is a
buildup stage and then the compulsion to act peaks. See the picture here. If
we pay attention to what is happening inside us at that stage, we can
recover from the urge to continue. The changes in our body and mind, like
change in muscle tension, breathing, skin colour, voice, tone, stammering,
feeling gloomy, body temperature, shivering, goosebumps, hair-raising. By
paying attention we will be able to see the pattern in which this happens for
a particular habit, before the urge takes over the reins of the mind.
Just like we sense fall in temperature, gusty winds, dragonflies flying, earthy
smell and we know it is going to rain now, and we take shelter or prepare to
avoid getting wet, we can do such observation on self and avoid getting into
trouble.

8. There are 3 major interventions that can change the track of being pushed
into an autopilot state of mind.
Let us say by paying attention i now sensed that i am shivering slightly, and/
or steadiness in hands have reduced, and/or the muscles in the shoulder and
near collar bone have become tight, and/or my mouth is going dry, this is the
pattern i get before i pickup a cigarette. At this stage of movement towards
the peak i can change track to another response.
1) Immediate rewards.
Our mind is very much attracted to rewards, and that too immediate. The
mind may not be so wary of warnings or punishments as much as it is
attracted to immediate rewards. (Repeatedly warning a boy that if he does
not concentrate on studies he will have a very bad future, is less effective
than a reward of a dance show today evening if he can focus on study for
one hour now.)
Suppose i by paying attention to myself i sense that i am moving towards
that autopilot response to the information sent by my senses and the urge
will takeover the reigns of my mind, I say if I postpone smoking now, I will
reward myself for every hour of postponement
1000 points the moment I touch 5000 point I buy
a dress for my child. For every 10,000 points I will
spend 2000 on buying somethings which my
family likes. Or for every 1,00,000 points I will
take them out for a dinner or somewhere. Or I will
do something which excites me but that is a
lesser evil, for example buying a caramel choco
bar of candy.
The reward can also be like contributing money for a cause that is so dear to
my heart, like Helpage India a NGO which serves the elderly destitute. Or
Cattle care based on the points that i earn this week.
We can be very innovative with self in rewarding ourselves. The same is
applicable if i want to change any habit in my friend/brother/sister/son/
daughter Rewarding them instantly.
We would have seen some apps on phones which give us brownie points for
walking or exercising. When we are close to that 10000 points, we somehow
push ourselves into earning the points.

9. 2) Making a buddy.
Deeply ingrained in humans is the social needs. Of being liked, belonged,
Gregarious. Now we will get into a pact with a few people and we work like a
syndicate wherein we will share our progress mutually of changing our habit.
When we see our buddies are progressing it becomes a pull on us that we
should not lag behind or not becoming a reason of letting the group down. I
see one of my buddies is close to achieving 100000 points (as mentioned
above) so that he can take his family out this weekend, Now i feel that i am
just at 70000 points i can follow suit soon.
3) Positive information about the self
During the stage of moving towards the peak, any positive information about
self helps a lot. It reinforces the belief that i can produce the results that i
want. This rises our beliefs about self. Sometimes because of fighting with
the bad habit, and losing often, we could have developed a feeling of being
hopeless, useless and irresponsible. Such feelings only worsen the situation.
Such feelings hit my will power to change. But when i intervene the journey
of moving towards the peak with a positive information, then my confidence
is restored. For example my achievements in other areas of my career or
sports or arts. Or how beautiful i appear to be, or how much i am in control
of my weight. Or how intelligent i have been in handling a recent crisis. It
works because of the Truth it contains. It is not deniable that we did those
achievements. We also know how much struggle it had involved. For
example all the assignments that i had submitted for my PG. The HR issues
that were effectively handled earning praises of many.
When all the three strategies are adopted regularly and consistently, we can
change habits and create new ones.
But one word of caution here: Please don’t make the mistake of
underestimating the effectiveness of the above 3 methods just because they
appear to be too simple to solve a complicated issue.
Believe me it works and you can help your dear ones also to change using
the above.

10. But one word of caution here: Please don’t make the mistake of
underestimating the effectiveness of the above 3 methods just because they
appear to be too simple to solve a complicated issue.
Believe me it works and you can help your dear ones also to change using the
above.

11.
GURUS SPEAK
R.GOPINATH

12. OUTGO MANAGEMENT
Mr Cautious and Mr Casual
R.Gopinath
gopinathr@go-past.com
Even before I continue my discussions on the 8 principles of Financial
planning and wealth management, let me in this issue clarify some of the
basic/primary aspects of creating wealth.
Please see this picture:
What do you see in this? This is one reason why some people become
poorer and why some become richer? The green line in the chart above
shows a person who starts savings for a goal of his sons Higher Education
of ₹10,00,000 which is due in 20 years from now. If his savings instrument is
giving an yield of 8% pa, then he has to contribute ₹20,234 yearly. This will
fetch him ₹10,00,000 at the end of 20th year. In the gross amount invested is
₹4,04,680, showing that he became richer by ₹5,95,320.
Now look at the red line in the chart above. This person had not started his
savings, and decides to borrow ₹10,00,000 when he requires that money for
his son’s higher education. He avails the loan of ₹10,00,000 @ interest rate of
12%. For this transaction he keeps paying ₹1,33,879 every year for 20 years.
By his gross outgo is ₹26,77,580. That is to say he is poorer by ₹16,77,580.

13. Some of the wisdom sayings on wealth management can be dated back to
1st Century. There lived a divine poet Saint Thiruvalluvar. In his composition
named Thirukural containing 1330 couplets covering all worldly topics has
dwelled extensively in aspects related to wealth, governance, accounting
and budgeting.
Many a times we hear this dialogue in the market that “Once my income
goes up all my problems will be solved” People tend to believe that the key
to wealth creation/management is income management, but the Truth is that
key to Wealth creation is outgo management.
In 17th Century emerged a great economist Adam Smith. He is now
considered as the father of Modern economics. In his book he mentions as
under:

14. Almost the same in essence of what Thiruvalluvar said. Parsimony means
spending with care, not being extravagant.
How to manage our outgo?
In a family the outgo can be classified into 3 major headings
1) Past commitments,
2) Present commitments and
3) Future aspirations.
Past commitments relate to such outgo for which have committed
ourselves in the past. The monies that we have borrowed from others has to
be repaid according to the agreed schedule. For example - EMIs.
The present commitments relate to the present life style expenses. Like the
house rent, lease fees, Maintenance fees to the society, motorcar
expenses, travel expenses, cost of education, Food, clothes, Transport,
entertainment and health
The future aspirations relate to such monies set aside for future. Like the
Life Insurance premiums, Contributions to PPF, NPS, RDs, SIPs, etc.
What should be the order in which this should happen?
1,2 and 3 or 1,3 and 2, or 2,1, and 3 or 2,3 and 1 or 3,1 and 2 or 3, 2 and 1.
The correct order should be Future aspirations, Present commitments and
Past commitments ideally in the following proportions:

15. The first in the sequence in outgo should be towards Future aspirations. The
minimum contribution should be between 20% to 25%. It can be more also.
This has to be done with a belief that 20% of what we are earning today
does not belong to us, but it belongs to the Future us. He has given us this
money in Trust. One day he will come and claim his money. If we had already
spent it, then how to give him his money. It belongs to the future us and not
the present us.
The second in the sequence in outgo should be towards our present
commitments. That is as we had mentioned all the day to day expenses, life
style related will have to be contained within 50% to 60% of our income. The
maximum is 60%
The third in the sequence will be past commitments. Whatever if left in
balance of the first and the second alone can be used for this. For example if
we have set aside 20% for Future aspirations and the Present commitments
is consuming 60% The balance 20% alone will be the budget available for
past commitments. That is to say even before signing the application form
for the loan, we must check the amount available in this method and agree
to avail only to the extent of the allowable level. Once we have availed the
loan, then we can not escape the commitment of the repayment schedule.
By default it becomes the first in the sequence always.
The core issue here will be the difference in the interest rates between future
aspirations and the past commitments. If we are likely to earn in between
6% to 10% on our contributions to future aspirations the interest we pay on
past commitments will range from 8% to 12%. This 4% or 6% differential
over a period of 20 years or 30 years could have an astronomically negative
effect on our funds.
Let me explain this with an example of two friends Mr Cautious and Mr
Casual. Both of them are 30 years of age. Both of them can spare ₹1,00,000
per month from their income, being young and not much commitments from
the family side.
Mr Cautious bought a car by availing a loan from his bank for ₹20,00,000
repayable in 8 years. For this he got to pay ₹32,506 every month as EMI.
That means after paying this amount from the ₹1,00,000 available, he can
invest the balance of ₹67,494 towards his future aspirations. If he continues
this regularly every month till his age 60, and if he gets 6% interest on his
savings, he will be having a corpus of ₹6,81,38,052.00.
Let us now look at Mr Casual. Mr Casual bought a car by availing a loan from
his bank for ₹60,00,000 repayable in 8 years. For this he got to pay ₹97,517
every month as EMI. That means after paying this amount from the
₹1,00,000 available, he can invest the balance of just ₹2,482 towards his

16. future aspirations. If he continues this regularly every month till his age 60,
and if he gets 6% interest on his savings, he will be having a corpus of just
₹25,06,633.00.
If the loan was to be for 10% then the results will be like Mr Cautious will end
up with ₹7,03,15,983 and Mr Casual with ₹90,40,425.
In these cases we are assuming that both will continue to invest the same
amount every month, even after the loan is repaid. It is likely that they may
go for another loan after this.
Let us look at the figures to realise the astronomical effect of the decision to
buy a ₹60L car. We must also notice that Mr Cautious was not misery. He
bought a decent car for ₹20L. That is Parsimony. This goes to support the

17. principle that Outgo management is the key to Wealth Creation/
management.
In summation, Outgo management to be designed as under:
Mr Cautious retires with a corpus of ₹6.81C
Mr Casual retires with a corpus of ₹25L

18. While rise in income gives chances to become wealthy, it becomes possible
only when a person can do effective outgo management.

19.
CATERPILLAR SPACE
Mr and Mrs Vanamali Srinivasan

20. Current and Emerging stressors among Financial Service Professionals: an
Exploratory Survey
Vanamali Srinivasan , FchFP. Financial Consultant, insurance@svanamali.com
Dr.Subareee Vanamali, Prof, Department of Counselling Psychology, Madras School of Social Work.
Stress is inevitable and it becomes almost a way of life for all professionals and that too for
financial service providers and financial planners, they need extra mileage to meet their demands and
challenges. Keeping the ongoing constant changing Econo-political scenario the financial planners are
at risk for burnout, which can lead to lower job satisfaction and lower occupational commitment for
financial planners Koesten (2005). The Techno advancement, up and downs in inflation in labour
markets leads to invariable changes in the society. In this state it becomes essential to draw
individualistic strategies for managing stress and burnout which includes understanding once own
personality, developing new coping skills, and learning to manage emotional communication. In this
juncture the following issues need to be handled well before deciding about the suitable strategies.
Innovation and commercial efficiency need to be upgraded as financial services professionals
must pursue all potential sources of revenue. Product innovation has to be accompanied with faster
time to market. Improved commercial efficiency leads continually evolving distribution models and
more qualified as well as professional staffs. The encroachment of new markets requires a responsive
and realistic policy of partnerships, joint ventures or acquisitions in an innovative methodology.
Quality in services and exceptional in operational modalities, triggering developments have
brought about the need for high quality services and operational excellence. Financial services
organizations must modify processes, raise computer operations, share assets between business lines,
and espouse more subcontracting or resettlement. Success will often rely on a wider vision and a focal
direction on performance.
Managing performance and controlling risk while handling compliance, financial services
providers need to gear up technical and financial performance while managing risk in a very tangled
regulatory environment. They are in want of updated information from reliable source for that they
have to develop resourcefulness with the current market relevance.
The another issue faced by financial service providers is to be prepared for techno- friendly
business. The World Bank, October 2001 reported on UNCTAD Expert Meeting: Improving
Competitiveness of SMEs in Developing Countries: Role of Finance Including E-finance to Enhance

21. Enterprise Development, Geneva, October 22-24. The executive summary states that, interpretations,
and conclusions expressed are Electronic financial services, whether delivered online or through other
remote mechanisms, have spread quickly in recent years. The spread of online banking services has
been more varied across countries. Motivated by the entry of new providers from outside the financial
sector, however, many financial service providers are now offering e-finance services. E-finance
penetration varies by type of service. Most affected have been brokerage markets, where online trading
is becoming the norm. Increased connectivity has also accelerated the migration of securities trading
and capital raising by emerging markets to a few global financial centers, with capital raised offshore
by emerging markets increasing dramatically since the early 1990s. Source: Geneva, Palais des
Nations, 22-24 October 2001 ,UNCTAD Expert Meeting. The aforesaid issues are in front of the
financial service professionals before making any progressive move in their profession.
In this connection the present study seem to be significant to understand the current level of
stress and to explore, what all are their future threats? Further the financial planner’s require novel
strategies to anticipate their future challenges and take-up calculated risks for a sustainable growth in
their field. In this genesis the following objectives are framed for the research study.
The questionnaires were analyzed with the focus of each question in the tool to drive a clear
idea of the state of the financial service professionals. The following tables will indicate the results of
each question with the percentage of respondents in each category.
Table 1 indicates the current issues faced by financial service professionals:
List of Current Issues Yes response No Response
Financial insecurity 53% 47%
Competitive market 78% 22%
Updating education 77% 33%
Changing trend 86% 14%
Professionalism 78% 22%

22. The above table exhibits the issues related to financial service professionals (FSP). In the
interview schedule the current stressors were listed and they were asked to express their opinion and
what they experience the most at present in the financial service market? The respondents were
encouraged to state if any other reason they feel to include has important stressors. Very few responses
were given by the FSP like, lack of training for FSP, lack of knowledge about the new products as well
as product promotion, lack of skill training especially effective communication to market the products.
From the above table it is clearly indicates the changing trends were felt by 86% of the FSP. Next
professionalism and competitive market were felt 78% and 77% of the respondents were felt there is a
need for updating education. 68% of them felt it is difficult to deal with qualified and knowledgeable
clients then multiple distribution channels were felt as stressors. The open market was also indicated as
56%. Based on the results the current stress level may be treated as high as mostly all reasons indicates
more than 50% hence it can be stated as the current stress level among financial service professionals.
Table 2 The issues Financial Service professionals face with their clients.
The answers of the respondents are given below.
Qualified costumers 68% 32%
Open market 56.00% 44%
Multiple Distribution Channels 67% 33%
1. Seeking for very short term plans but expectations are more from customers.
2. Time consuming
3. Clients are knowledgeable.
4. Client expects financial miracles to happen within a day.
5. Client’s preferences are different and they give least importance to Insurance and
Financial Security Plan.
6. Tough to make them understand within the stipulated time.
7. High expectation from Financial Planners.
8. Client’s delay in decision making and procrastinations in executing.
9. Expecting benefits/discount for the clients’ financial investments.

23. The aforesaid reasons are stated by the FSP’s and they feel it is very difficult to convince, draw
a clear formula to sell their products. Inconsistent market trends are real threat for the professionals to
make the client understand convince about the product. The general stress scale also indicates that
career related stressors are reflected high in percentage viz. Career pressure 86%, Lack of job
satisfaction 76%, Lack of understanding between staff in work place 80%, Lack of promotion of
incentives66%, Heavy responsibility in work situation 73%, Too much time pressure 88% . During the
focus group discussion the respondents have really felt that there is need for intervention to handle their
work pressure.
Table 3: The issues makes FSP’s to feel stressed in the current business situation.
The above mentioned table explains the various stressors expressed by financial service
professionals. Most of them felt one or two reasons of the above given that was reflected in the FGD
too.
Table 4: The future stressors and threats in business expansion:
10. Conventional clients, not able to accept modern changes in the business.
1. Too many quack agents without knowledge
2. Staffing issues, Staffs are very costly.
3. Earning is not at par with knowledge level.
4. Personal Development and talents have to be fully utilized
5. Too much to do for satisfying the expectations of the clients
6. Need to update current market trends and about the new products.
7. Lack of training for the management staffs and new service providers.
1. Challenging market trends.
2. Updating market information.
3. Inconsistent and unethical sales method
4. Lack of professional training for financial service providers.

24. The above mentioned statements are felt by the financial service professionals as a threat and
anticipated stressors for expanding their business. In the FGD they were very much bothered about the
uncertain market trend. Direct marketing and constantly cropping competitions are the immediate
threat to look out. The general stress scale also indicated the future stress as uncertainty of life, price
raise, and lack of support from policy makers.
Table 5: Strategies to manage current and future stressors:
5. Lack of orientation about new products.
6. Short term goals for fulfilling current targets
7. Lack of proper vision from management part.
8. Adaptability and cost of technology, staffing issues ,Staff support at work place
9. Lack of training in technology for product discussion
10. Understanding fast changing buying decisions of clients and staying financially solvent in
business.
11. Cost of Business continuity in Agency levels
1. Be updated with knowledge through continues Education
2. Adapting positive attitude in general.
3. Always prefer to be Proactive , anticipate pros and corns to drive decision.
4. Be ethical and be sincere to professionalism.
5. Training of financial service professionals and supportive Staffs.
6. Updating Information to utilize technology.
7. Innovativeness in product and service.
8. Skill training, new product orientation.

25. The above mentioned strategies are drawn by respondents in the interview and during the FGD
also. Consolidation, technology advances, and global commerce have intensified the competition for
profit and market share in the financial services industry. As the demand for innovative products and
services continues to increase, time-to-market and brand differentiation become key factors for success.
Business activity is being conducted through online banking and transactions. E-business capability is
quickly becoming a requirement to compete in the marketplace. So clients need to be encouraged to use
technology for transactions. Business strategy and office functions must be altered to suit the new
dynamics of today’s market. Knowing multiple channels and products become inevitable to reach
clients in today’s ever changing market. Professional training becomes imperative to match with the
knowledgeable clients.
In general stress level the family related stressors like family support and pressure in
relationships were not reflected more. Whereas the work related stressors are prominent. The analysis
of results formulates the following conclusions.
Conclusions and recommendations
1. The work related stresses among financial service professionals are higher than personal and
family related issues.
2. The 67% of financial service professionals are aware of current and future stressors which seem
to be a threat for their successful service market.
3. The strategic plan to promote sales and recommendations for business expansion:
• Competitions, innovative marketing strategies and updating professional knowledge was been
the felt need of the today’s financial service professionals.
• Promoting superior customer service and innovative products, and the ability to adapt for shifts
in the market
• Getting the product to market faster, utilizing techonology to reduce time consumption.
• Recruitting reliable and effecient Staff, building greater employee satisfaction
• Creating ease and convenience of business transactions (e-business)
• Financial service professionals must also focus on retaining and building long- lasting and
sustainable relationships by adapting a customer-centric approach.
• Adapting condusive method for reducing stress and plan a clear strategy based on the objective
experiences.
• Fincial service providers need a major shift has financial service professionals and learning to
9. Clients require reliable service professionals
10. Knowledge about the financial products, purpose, comparison, advantages, disadvantages.
11. Maintaining interpersonal relationships

26. be multi tasking professional as they have to market different products.
• Financial service professionals must be properly trained and hold the proper licenses for the
products and services they offer to their clients.
• The basic fact is that financial services professionals are becoming a more important resource
for individuals and businesses looking to guard and manage their wealth.
• Financial services professionals help individual clients’ and businesses to manage the intricacy
of their financial needs and use refined products and services to meet their distinctive financial
goals.
• The special skills required are the ability to listen, the ability to build strong sustainable
relationships and the ability to draw energy as well as excitement from meeting new people and
working in an ever-changing dynamic work environment.
Note: This article is part of the research survey conducted, presented in National Conference on
challenges, opportunities and emerging trends in Marketing at Periyar Maniammai University,Tamil
nadu, India and published by Excellent Publication House, New Delhi-70.

27.
PROUD TO BE
ASSOCIATED
Ms Suganya B
Research Scholar

28. I am Ms B Suganya, doing Ph.D in the field of Bio- Nano science at H H The Rajah’s College (Auto),
PudukkoGai. My mother Mrs Vijayalakshmi Baskar and my father Mr Baskar, my aunt Mrs
SelvaBharathi Sundarajan and Mrs Aiswarya Narayanan, who give me a great support and
encouraging me to do research. Recently, I aGended a NaMonal conference which was held at J J.
College of Arts and Science, PudukkoGai. I also Presented a paper, enMtled “Green Synthasis of Metal
Oxide nanoparMcles using Medicinal Plants”. From this presentaMon I got second prize for this
Research work. By the above research, I ensure that my research will provide great development to
our environment and society because I am planning to do further research to find AnM-Cancer
Medicines through this iniMaMve work.-Ms Suganya

29. PROUD TO BE
ASSOCIATED
Dr Subasree MA. Phd.,
Professor Madras School of Social Work

30. We are proud of you mam:
Dr. Subasree MA,PhD Now working as a Professor at Madras School of Social work, she
is doing Teaching,Training and conducting work shop for Post Graduate students, Five
members are doing PhD under the guidance of Dr.Subasree....one person affected by
cerebral palsy...She is doing Question papers settings for 6 colleges at chennai. She is
official Psychologist for Agaram foundation....She was a Master trainer for Commonwealth
Asian Countries....She was a life member at International Psychology Association....She
will be receiving an award for her contribution and yeoman service towards School of
Counseling Psychology on 14/11/2019 at 9th International Psychology Association
conference at Dheenadhayal petroleum University Gandhinagar Gujarat.
She is the wife of our agent Mr Vanamali from Chennai.

31.
NEWS AND GALLERY
EVENTS AT GOPAST

32. Partnering the cause of Insurance Education of Global standards, in India
CII and Gopast signed an agreement recently, by which Gopast will act
as an Educational Partner of CII in India.
Gopast will be shortly commencing the registration for the CII exams
and also train the candidates in preparing for the exams

33. Award for the Foundation Insurance Test
Certificate in Insurance
Diploma in Insurance
Advanced Diploma in Insurance
Fellowship
An introductory-level qualification, developing fundamental knowledge on key topics
This the ‘core’ level qualification, suitable for those entering the industry and
seeking to gain sessional basic knowledge of the market. key disciplines and products.
Thus qualification recognises ‘technical’ development
achieved by those with a growing understanding of the industry
This is the ;professional’ qualification awarded
to experienced and expert market practitioners
The highest qualification
on offer from the CII
CII insurance qualifications
A Preview

34. From: https://www.cii-india.com/qualifications/

35. Gallery
Participants of Building Business Enterprise course playing Snake and Ladder a game to
understand Risk management strategies.
Navaratri and PUJA Celebrations at Gopast

36. Final evaluation Exam for participants of leading lights course at Thane

37. Sixer course for Development officers/SBAs, Unit mangers and Agency
leaders 9th batch at Chennai