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Wednesday 4 December 2013

Happiness

Fisherman Village




Rich Businessman   :  Mr Peter George
Fisherman                :  Mr Mike DeSilva
City                          :  Toledo Bend Lake Texas in USA




At Fisherman's Village is at the Heart of Toledo Bend, Just West of Carrice Creek Bridge and only a mile West of Pendleton Bridge you'll find yourself at the heart of all that's going on at Toledo Bend Lake. Located on Texas Highway 21/103 (Highway 6 on the Louisiana side) Fisherman's Village is at the only point to cross Toledo Bend Lake between Texas and Louisiana in USA, easy access to all that's going on around the lake in 2 states !

There was once a Businessman who was sitting by the Beach in a small Village Toledo Bend Lake. As he sat, he saw a Fisherman Mike rowing a small Boat towards the Shore having caught quite few big Fish.

The Businessman was impressed and asked Mike, 




Mr Peter George : How long does it take you to catch so many Fish ?

Mike replied : Oh, just a short while 

Then why don’t you stay longer at Sea and catch even more?” The Mr Peter George was astonished.

This is enough to feed my whole Family,  Mike  said.

The Mr Peter George then asked, “So, what do you do for the rest of the Day ?

Mike  replied,  Well, I usually wake up early in the Morning, go out to Sea and catch a few Fish, then go back and play with my Kids. 

In the Afternoon, I take a nap with my Wife, and evening comes, I join my buddies in the Village for a Drink — we play Guitar, sing and Dance throughout the Night.

Mr Peter George offered a suggestion to Mike


I am Mr Peter George PhD in Business Management. 

I could help you to become  More Successful Person. From now on, you should spend more time at Sea and try to catch as many Fish as possible. 

Lets Make a Big Business Plan. 

Buy a Lap Top, Get Net Connection, Open Facebook and Linkedin Accounts Dont Worry Mike I would help you :-)

When you have saved enough Money,  you could buy a Bigger Boat and catch even more Fish. Soon you will be able to afford to buy more Boats, set up your own Company Mike Fish Co, your own Production Plant for Canned Food and Distribution Network. By then, you will have moved out of this Village and to Sao Paulo, where you can set up Headquarters to manage your other Branches.”

The Fisherman Mike continues, “And after that?”

Mr Peter George laughs heartily, 

After that, you can live like a King in your own House, and when the Time is right, you can go Public and float your Shares in the Stock Exchange, and you will be Rich like Mr Peter George [ Me ] 

Mike asks, “And after that?”

Mr Peter George says, 

“After that, you can finally retire, you can move to a House by the Fishing Village, wake up early in the Morning, catch a few Fish, then return home to Play with Kids, have a nice Afternoon Nap with your Wife, and when Evening comes, you can join your buddies for a Drink, play the Guitar, sing and Dance throughout the Night!”

Mike was puzzled,  ? ? 

Isn’t that what I am Doing Now  ?






Happiness has very Different Meanings for Different People

Happiness has different meanings for different People. For some, Happiness means Money, for some it means playing with Children; for some it means expansion of Business, for some it means planting a Tree. 

Happiness is defined as a Mental or Emotional State of well-being characterized by Positive or pleasant Emotions ranging from Contentment to intense Joy. Some also define it in terms of living a Good Life or flourishing, rather than just an Emotion.

In the present World, the Happiness Quotient is getting measured in materialistic terms. As people are becoming more-and-more Rich, they are automatically being rated as Happy. But is it really the fact ? Are the Richest people the Happiest ? Lets find out.

Money can make you able to Feed, Clothe and House yourself. But, once you are able to do it, each extra Rupee does not make much of a difference. As-soon-as these basic needs are met, Money only boosts Happiness if we have more than our Friends, Colleagues and Neighbours. So, there is a limit to which Money can make us Happy.



There is something called as ‘Aspiration Gap’. It means the Gap between what people already have and what they aspire to have. Amazingly, Studies have found out this Gap to be inversely Proportional to Happiness. It has shown that the larger the Gap, the less happier people are and vice versa. This explains why we are never satisfied with our Salary increases. This explains why our List keeps on becoming longer, when we acquire the Goods we desire. This explains why we are never satisfied and why the Good Life always remains out of reach.



Some say that Intelligent people are happier. But, it has been found that brighter people have high Expectations from themselves and are thus dissatisfied with anything less than the Best. So, True Happiness has nothing to do with Intelligence also.





Now,   Just Sit Back and Analyze  YourSelf. 


a) Were you not Happy when you saw a small cute Child talk in his cutish  Language? 

b) Were you not Happy when you saw a Sparrow hopped on your Window and was trying to get inside? 

c) Were you not Happy when you saw your Nation’s Flag fly high?

d) Were you not Happy when you heard your favourite Song running on the Radio and started humming it? 

e) Were you not Happy when your Dog started wagging its Tail when it saw you at a Distance?

f) Were you not Happy when you saw a Youth helped an Old Woman cross the Road?

g) Were you not Happy when your Mother cooked your favourite Food after you went to your Hometown after a long time or when your Kid ran to you lovingly after you came home after a hard Day of Work?

h) Were you not Happy when you saw Droplets of Rain falling on Dry Earth?

i) Were you not Happy when you saw a Flock of Birds fly high on the Sky freely?

Of course, you were.

It has been discovered by many that Happiness is neither a Place you visit nor a Dream you achieve. Happiness is just Happiness. It comes from small things. We can feel it in our surroundings.

I am not saying we should not desire for Good Things in Life or aspire for more. In fact we must. That is the Mantra for progress. But, we should not attach ourselves to it emotionally. We should not find solace in our Successes or get distressed in Failures. 

Our innate feeling of ‘Happiness’ is much bigger than this and we should not let these outer Things and outside World dictate our Lives.

Real Happiness is within you and if you keep your Hearts open, you will find it everywhere around you too.

“Happiest people don’t necessarily have the Best of everything; they just make the Best of everything they have.”

“Being Happy doesn’t mean that everything is Perfect. It means that you have decided to look beyond the imperfections.” 
Finally, Happiness is just a state of mind.

Courtesy Blogger : 

Mrs Pragya Banerjee MBA (Finance); 7+ years of work experience
email: pragyablogger@gmail.com
pragyasonal@gmail.com
https://www.facebook.com/pragya.srivastavabanerjee 
https://twitter.com/pragyasonal 
http://www.linkedin.com/pub/pragya-banerjee/15/311/aa9 


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Saturday 30 November 2013

Great Recession in Global IT Industry



Most Recession Hit IT Industry

Accenture
Adaequare Inc
Alliance Global 
Amadeus Software 
Amdocs Development
American Megatrends 
AT & T Global Business Services 
Barclays Technology Centre Blackapple Solutions LLC
Blue star Infotech Limited
BMC Software India Private Limited
Boeing
Broadcom 
CA  Technologies 
Capgemini
Cisco Systems India 
CMC Limited
Cognizant Technology Solution
Deloitte Consulting India 
eBay, Inc
Franklin Templeton International 
GENPACT
HCL Infosystems Ltd
HCL Technologies Limited
IBM 
Info Logitech Inc
Mastek Limited
Meridium, Inc.
Microchip Technology, Inc.
Microland Limited
Oracle 
Red Hat
Sapient
Tech Mahindra Limited
Wipro BPO
Wipro Infotech
Wipro Ltd
Yahoo
Zensar Technologies

Less  Recession Affected IT Industry

Atos Origin
Blue star Infotech Limited
Bureau Veritas India Private Limited
CSC India
CSR
Fidelity Business services
Hewlett Packard
iGATE
Intel Corporation
Kenexa
Microchip Technology, Inc.
Microland Limited
NetApp
NIIT Limited
S2 infotech
TATA Consultancy Services Ltd.
Tata Technologies Limited 
Thomson Reuters 
Xilinx India Technology Services Pvt Ltd





In our earlier Post ‘The Reason for Recession,  We have referred to the Industries worst affected by this phenomenon in Asia as-well-as Globally. These Industries are Aviation, Banking, Hospitality, Real Estate, Banking along with IT (Information Technology). In the subsequent Posts, we will be taking these Industries one-by-one and explain what has been the deep impact of Recession on the Industry and its people.

We will start with the Industry which was the starting Point of this Disease. The IT and ITES (Information Technology Enabled Services) Industry. 

Our World Economy is hugely impacted by whatever happens in the United States. The reason being that around 20% of it is represented by America. That means the rest of the World combined Economy is 80%. Hence, the World Economy gets affected by the Events happening in US’ Economy. Needless to say, the problems in IT Industry and others too started in US and later engulfed the whole World.


Earlier in 2008, when Recession had its first say in India, many Industries were getting affected by the Financial Crunch. But still, the IT Industry was immune to its effect and the general feeling was that people will cut on other general Expenses but will still buy Mobile Phones, Laptops, and other Gadgets. It was assumed that the Credit Crunch will not affect the Spending habits on Technology Products.

However, the IT Industry began to take a hit by the end of 2008. By then, Recession had enveloped almost everybody and the assumptions of people about the immunity of IT Industry to it were also proved wrong. The Technology Industry was not Recession-proof. Many big Names in the Technology space started losing a major Percentage of their Net Worth. The Shares were taking a 10-Year to 13-Year low hit and Companies began laying off thousands of Workers.



Though some Firms who were good on Cash remained unaffected initially, but by the middle of 2009, the situation was the same for everyone. Funnies thing even most of the Employees working for these IT companies were not aware about Great Recession in Global IT Industry till they got Fired :(




One major challenge for the IT Industry was the lack of available Funding. Since the Banking Sector also came under the effect of Recession, the Funding of various Innovative ideas was halted. The Demand for basic IT Services was intact, but that for more developed Applications came down. IT and related Companies came under great Pressure to cut Costs, which they did by reducing Headcounts and by Infrastructure-sharing.



Many Clients began shelving many long-term Projects. More-and-more Employees were on-desk which affected their monthly Wages. The Supply of IT Professionals was more in comparison to the Work available. In simple Words, the Demand was less than the Supply which resulted in huge Job cuts. Many Employees too started leaving the Companies and switched to Industries which were better Recession-resistant.


8,000 People On The Bench At MicroSoft

16,000 People On The Bench At Infosys

Infosys offered Jobs to 16,000 college graduates last year and plans to hire more this year. But with scant work to give them, the company is doubling the length of their training to six months and assigning them mock projects to hone their skills. Though that’s not cheap, Infosys says it’s worth the investment.”

18,000 People On The Bench At TCS

Teak Bench Company
The Garden Bench Company
Garden Bench with Table
Name Bench
Oak Benches Outdoor
Oak Benches UK
CPA Workbench

This situation was rampant in the IT Industry worldwide and was visible till the start of 2011 when things again started looking up. But, as of now, after two years, as 2013 is coming to an end, Recession is again raising its Head.

We have a very good Example before us of the happenings in 2008 & thereafter. The Industry must learn through that and should build up ways to fight this Season of Recession in a better way. Hope this time when Recession comes, We will not see many IT Professionals Jobless. 




Blog By  :

Pragya Banerjee
MBA (Finance); 7+ years of work experience
email: pragyablogger@gmail.com
 pragyasonal@gmail.com
https://www.facebook.com/pragya.srivastavabanerjee https://twitter.com/pragyasonal http://www.linkedin.com/pub/pragya-banerjee/15/311/aa9




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Tuesday 26 November 2013

A TRIBUTE TO MY CEO Captain Shekhar Gupta

A TRIBUTE TO MY CEO Captain Shekhar Gupta



On a fine evening, I met a person on Chat by accident,
Now turned to be cherished and unforgettable incident,
 Though he was judgmental in character, to say
But he proved to serve the best in his way
The day, we started up with discussion of working together
With never ending ideas that made our team Progress together
He, the person with crazy thoughts made me to think lot,
With initial step of thinking out of box, credits I got,
Very soon, I came out with ideas that was little  effective,
Later, those ideas were converted to thoughts of successive,
Certainly, I got a habit of Bring up creative thoughts day by day
 Finally the habit converted into a character which I am happy to say,
I still wonder how his small head could hold so many things ever
On the way to be implemented, this is going to reach people all over.

Several times in many issues he stood as my support    
Success is the one thing which I will bring with my effort
On the whole, he always plays the role of leader and leads us
And not as Boss in company to get work done by directing us
Thanks, Thanks, Thanks, Thanks Thanks, Thanks, Thanks,
Thanks a ton, for guiding us and leading us towards successful path
Finally we found our “ motivational  CEO”- you “Captain”
And you deserve it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

“Crazy guru” has the power to change an unknown person to be a well known person in the world.


                                                                                                     Vidhya Ethiraj







Saturday 23 November 2013

The Reason for the Great Global Recession





Global Recession Affected Industries

Airline Industry
Automobile Industry
Banking Industry
Education Industry
Hotel Industry
Real Estate Industry
Software Industry
Tourism Industry



Global Recession Affected Professions

Aviators
Bankers
Contractors
Engineers
IT Professionals
Managers [ MBAs ] 



What is Great Global Recession ? – Great Global Recession is defined as a significant Decline in Activity across the Economy, lasting longer than a few Months. It is mainly visible in Industrial Production, general Employment, Per-capita Income and Wholesale & Retail Trade. 

A normal Indicator of Great Global Recession is Two consecutive Quarters of negative Economic Growth which is measured by a Country’s Gross Domestic Product (GDP). 



Recession is a Global phenomena. About 90% of the working Population has been directly affected by it worldwide. The People indirectly affected by Recession are the Families of Workers. We will go into more depth of this Global crisis in detail in this as-well-as following Chapters.

1981 – 1990: It all started way back in 1980s when the transition from Papers to Digital form was just beginning and the Boom which we witnessed 20 years back, was in its initial phase. This was a Time when even Television was seen as a Luxury. Lifestyle and Infrastructure was very basic and Education till Graduation was appreciated a lot. Letters which were typed using Typewriters instead of hand-written ones, were considered more important. People were aware about the presence of Computers somewhere on Earth but seeing one and working on it was still a far-fetched Dream. Even imagining one was impossible for many upper-Middle class individuals. The Terms ‘Information Technology (IT)’ and ‘Information Technology Enabled Services (ITES)’, which are commonly used now, were not even coined.

By the end of 80s, various Typewriting Courses were on its peak and Typewriting Speed was a main criteria of Selection for various positions in Offices. It opened a lot of Job opportunities for People especially Middle-class Girls, who became employable after basic Education and doing a course in Typewriting which was also out-of-reach for many Households. 



1991 – 2000: End of 1980s and beginning of 1990s saw the introduction of Computers in India by our former Prime Minister, Late Captain Rajiv Gandhi. It was a Revolution in Indian Industry and we are still grateful to Capt Gandhi for the same. By the middle of the Decade, the basic Infrastructure was completed.

Computerisation of various Government Offices was rampant as a much-required drive. Demand for Typewriting Courses started slowing down and its place was taken up by Computer Courses. Various big and small Computer Training Institutes mushroomed like NIIT, APTECH, UPTECH etc, besides several others throughout the Country. Demand by Students to learn operating a Computer was extreme and supply was low. 

Demand for Computer-literate Professionals for various Government and Private Jobs also flourished and a better Future was welcoming everybody. Even little Knowledge of Computers was enough. The Per-capita Income increased with the opening up of various Entrepreneurial Ventures wholly based on Computers. Many new Courses on Software and Hardware Engineering in Colleges came up which witnessed a heavy interest by Students. Also, the Fees for such Courses was sky-high but yet the Demand was at its peak too. Thus, by the end of this Decade, we saw the dawn of Information Technology in India which was set to position India firmly on the Global Map of Technical expertise.

2001 – 2010: The advent of 21st Century was special. Computers had established themselves in India and Supply of IT Education was equal to the Demand. Lots of Management Colleges also mushroomed and were in high Demand. MBA, MCA and related Courses were given umpteen Value and MBAs of 25-26 years of Age, were recruited with high starting Pay-packages. There was a sea-gap between the Youths of the same Age who used to get Rs 10,000 – 15,000/- with the same Years of quality Education and the Youths of 21st Century who started getting Rs 40,000 – Rs 50,000/- after doing MBAs or MCAs. Per-Capita Incomes boomed further with many Students getting recruited to IT Companies and other flourishing Industries at various levels with ever increasing Salaries.


The main Industries which were directly affected by this Boom were Aviation, Hospitality, Real Estate and Banking.

More-and-more people, at this time, started travelling by Flights instead of Trains, even for short Distances. They started opting to stay at a 5-Star Hotel on Vacations in place of 2 or 3-Star, which their Parents preferred. This happened due to the extra Disposable Incomes within Families. So, in short, the Graph was going higher-and-higher in consonance with the Stock Exchange and India’s GDP, which was nearing 9% by the end of the last Decade.

2011 – Present: Whatever goes up has to come down. Everything in the World is Cyclical in Nature and situations repeat themselves. Similarly, with every Boom comes a blast too. Too much of anything is dangerous and this is what is happening since the end of the last Decade. Because of so much Demand, lots of IT and Management Institutes came up in every nook-and-corner and were charging heavy Fees. But, Jobs were limited and Supply of Job-seekers was high. The result was that even highly-qualified MBAs, MCAs and Engineers were not getting the Jobs they deserved and they started opting for low-paying Jobs which were nowhere related to their Qualifications. 

As in the time of Boom, the Industries worst affected during this low-Phase were Aviation, Hospitality, Real Estate and Banking along with IT. The GDP currently is trailing at the levels of around 5% which is very very low when compared to that of last decade. 

The Professionals directly affected were Software Engineers and Management people. Those who were indirectly affected were Bankers and Aviation Professionals. There was a lot of Competition within the Industries as many big and small Businesses came up and it affected the Financial Health of these Corporations. The Times were very different than those from 1995 – 2000 when only a few Companies enjoyed Monopolies. Many Corporations started filing for Bankruptcies now and were Firing their Staffs. Highly Qualified people were now becoming Jobless and were settling for low-paying Jobs. 

As a result, people have started downgrading their Lifestyle now. They are again opting for Trains than Flights. This has been proved by the dismal Performances of all the Airlines in India since last few Years. They are again settling for 2-3 Star Hotels. So, overall they are again downgrading their Life which is very very difficult as they are used to a flamboyant Lifestyle. 

This is what has been termed as Recession which was witnessed in 2008 and is again raising its Hood. There are a lot of Lessons to be learnt both by our Governments and Industry Intelligentsia otherwise situation can go out of control.

The above was a Synopsis of the Reason for the Crisis which has affected all of us in some way or the other. In the following Chapters, we will discuss the Subject in more detail. 

1) Economic boompreceding the crash.

2) A Recession going on for a while. Mostly top gurus and players in business and government were aware of it. General public did not realize it for a while and remained in the mood of boom. By the time the Recession and economic slow down becomes known in general public it is too late. Large proportion of small investors and general public looses every thing they had and owned.

3) During the boom, before crash, under the influence of corporations and their lobbies, government ventures out in the world, mostly in the form of war or wars, to claim more influence and control in international affairs and in the national affairs of other countries, resulting into huge debts and deficits.

4) Bad business practices getting more and more common in corporations and banks, right before crash. 

5) Growing unemployment, under-employment, and seriously compromised buying power of average consumer.


Objectives

We will be reviewing two major causes of Recession of 2008, the preexisting low interest rate and high risk investments made due to low government regulations especially in the housing market. It was observed that around 2001, the government to boost the economic growth lowered the interest rate and for the most of the boom period of 2001-2007 it remained under 1%. It gave business and people access to abundance in easy credit which resulted in economic growth. As we will review, it is usually a short term measure and the adverse effects of such growth rise up sooner or later. The second area of focus will be high risk investment. The low interest rate persuaded investors to seek an alternative of secure government investments with low returns to more profitable avenues with high risk. One of the chief areas was the sub-prime markets as the investors had already utilized the credit-worthy borrowers and now they moved to riskier investments with high returns. The subprime mortgage became the favorite for investment as the regulations were relaxed to allow disadvantage people to obtain homes.

Literature Review

We will be reviewing the literature on the two causes of the Recession. First we will be reviewing the interest rate will be going through the studies which recommends that its effects on economic growth. We will be also looking at the effect of interest rate other decisions which caused the investors to opt for high risk investments and sub-prime investments...

4 years The bursting of the speculative bubble in shares led to further selling as people who had borrowed money to buy shares had to cash them in, when their loans were called in. Also called the Great Crash or the Wall Street Crash, leading to the Great Depression. Recession of 1937–1938 (U.S.) mid-1937 to mid-1938 1 year This share price fall was triggered by an economic Recession within the Great Depression and doubts about the effectiveness of Franklin D. Roosevelt's New Deal policy.

In our Next Blogs will Cover Following Topics 

Great Global Recession
Global Recession Causes 
Global Recession in Asia
Global Recession in USA
Recession in UK
What Is Recession
Economic Recession 
UK Recession Timeline
UK Recession Recovery
UK Recession Causes
UK Recession Facts
Double-Dip Recession UK
Recent Recession in the UK
Global Recession Causes and Consequences
Top 10 Us Industries
Top 10 Largest Industries
Top United States Industries
U.S. Growth Industries
Top  Recession Hit Industries in America

Blog By  

Pragya Banerjee MBA (Finance); 7+ years of work experience
email: pragyablogger@gmail.com
pragyasonal@gmail.com
https://www.facebook.com/pragya.srivastavabanerjee
https://twitter.com/pragyasonal
http://www.linkedin.com/pub/pragya-banerjee/15/311/aa9


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Monday 11 November 2013

My Friend Dr Er Prof Sanjay Fuloria [ BE, MBA, PhD ]


The friends we make during our Childhood are the friends for a lifetime. We all agree with that, don’t we ? I will talk here about one such Exceptional Friend of mine…. Sanjay Fuloria.

Sanjay is indeed an Exceptional Human being. He is an Engineer, Marketer, Sales Person, Researcher and Professor. How many people do we come across in our lives who bring together so many roles with them? 


He was born in 1974 and hails from the ‘City of Nawabs’ Lucknow. His father Mr SK Fuloria . was an IFS officer in Madhya Pradesh. We have done our Schooling together from Little Flower School Betul.  He was a very Good Student in School and was loved by all the teachers. 

He is an Excellent Cricket and Badminton Player in our School. But I was better in Table Tennis  
:-)  lolz. 

He has done his Bachelors in Engineering (B.E.) from Bhilai Institute of Technology (BITS), Bhilai in 1996. He then completed his Masters in Management Studies (MMS) from Malaviya National Institute of Technology (MNIT) in 1999. He is also a done his doctrate from ICFAI University, Hyderabad and was a professor there simultaneously from 2002-2007. He taught subjects like Research Methodology, Business Research Methods, Business Modelling & Simulation etc.  

Sanjay has worked in organizations like PCL Access, Interactive Multimedia Technologies, HCL Infinet Ltd. He also worked as Lecturer/Professor roles in IBS Hyderabad from 2002-2011. He has the credit of launching a new course 'Business Intelligence' at IBS, Hyderabad. Currently, he is working as Deputy General Manager for Cognizant Technology Solutions and is based in Hyderabad with his family. He has published several white papers on various topics related to his field. He is very popular among his students and colleagues. He also has a Rich Experience of Staying in various Cities of India.
  

Sanjay & I share a very strong personal relationship. We have been best buddies since long and sanjay has helped me immensely emotionally. He has been a support system for me whenever I was down or needed advice.


Sanjay is Basically a bit shy but a Fun-Loving person. He doesn’t want to gain limelight too much and prefers to do extraordinary work but from the background. His objective in life to be known as a contributor to all the assignments/projects that he undertakes. He is also a keen follower of sports and loves all forms of it.





In the end, I just want to say that I am fortunate that a multi-faceted personality like Sanjay is my close friend.  



Post Courtesy: http://shekharaerosoft.blogspot.com