IOB, Hubli Region

e-magazine for internal circulation only

Volume-III, Issue-1, Jan-2014

Regional Office Team wishes you a Happy New Year 2014:

N: New beginnings E: Eternal bliss W: Wallow in Wealth Y: Yields of magnitude E: Enormous happiness A: Amazing times R: Rendezvous at all times

Dear Friends, At the outset I wish all my colleagues & their family a Happy & Prosperous new year. The rollover of 2013 has left behind a reminder to us that we are left with just three months to show our performance. I have been calling each one of you to impress the urgent necessity to achieve greater heights in all the spheres of our activity. I am sure you all have taken serious note of the need of the hour & the hard reality of our Banks not very satisfactory performance. The reality, is my dear friends, that our Bank is in a very tight corner I have to re-iterate once again here that we have to sit up & take note of the urgent responsibility on all of us to put up a sterling show failing which our Bank may have to remain in shadow as against good performances by others in the sector. That is the very reason why our beloved CMD has announced the launching of TOUCHING HEARTS & SPREADING SMILES CAMPAIGN SEASON II. I am sure you are well aware of the urgent & time bound agenda of the campaign. Our region has been given ambitious targets to be achieved during the campaign period which is already in progress & our performance is regularly monitored. The need of the hour, my dear friends, is to increase CASA, recover NPA, arrest slippages & increase retail segment lending. Our regional NPA position was Rs.14.82 Crores as on 30.09.2013 which has risen to Rs.15.43 Crores as on 31.12.2013. This is despite recovery/upgradation of more than Rs.1.30 Crores. The reason for this is further slippages amounting to Rs.1.92 Crores which has eaten away our performance. This is certainly not acceptable. I have been calling upon all Branches to concentrate on the overdues in the accounts from the beginning itself and arrest the same. I am confident that you are all now geared up for this task and will act purposefully so that it will result in reduction in terminal NPA figure as on 31.03.2014 compared to 31.03.2013 of Rs.13 Crores. We have already advised you the targets to be achieved during the campaign period. Our Regions performance under CASA and Fixed Deposits needs immediate improvement as we are far behind terminal targets. The asking is formidable but certainly achievable. Time has come for each one of us to shoulder additional responsibilities to achieve the targets under all parameters by 31.03.2014. I am not having any doubt in your capabilities. I urge you all to take note of the urgency atleast now in true spirit of the game to attain the desired goals. Should you need any help in this regard, please feel free to call me. Your suggestions to improve is always welcome. Wishing all the Best & Godspeed in all your endeavors.

H.S.Gopalakrishna
Senior Regional Manager

OPENING OF LITTLE STAR ACCOUNTS

Opening of Little Star accounts at Kusugal Road Branch

Opening of Little Star accounts at Gokul Road Branch

Builders Meet held at RO on 08.01.2014

Walk-in Campaign by RO Staff on 05.01.2014

Congratulations to Mr. Pradip Nirhali & his team at CH Road, Belgaum Branch for their achievement of surpassing the Budget under CD, TD & Advances as on 31.12.2013

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 2013

, .., ,

, , , ,

, , , ,

HINDI COMPETITION PRIZE DISTRIBUTION

RANK FIRST SECOND THIRD

HINDI HAND WRITING

Anupama Honakhande, Belgaum Subrahmanyam SGS, RO Roopa Mardi, Garag

BANKING TERMINOLOGY
Ajit Gopalkrishna Hegde, Garag P Nagraju, Hospet Roopa Mardi, Garag Mahendra Kumar Verma Hospet Perumpral Leena Abraham, Hospet Pritam V Shivnayakar, Belgaum Hasina Begum, Hospet Vivekanand Singh, Davanagere

HINDI ESSAY COMPETITION

Mahendra Kumar Verma, Hospet Anupama Honakhande, Belgaum Santosh Kumar Meena, Gokul Road Perumpral Leena Abraham, Hospet Rakesh Thakura, Ro Anima Sahoo, Kusugal Road Ankush Gupta, Davanagere Nikita Nand Kumar Hegede, Ankali

Consolation Prize

Shilila Y Shingari, Tumarikoppa

: 29.11.2013

: 14 + RO : 41

As on 31.12.2013
# Code Branch 1 2407 BAGALKOTE 2 126 HUBLI 3 907 BELGAUM 4 1053 DHARWAD 5 2295 MUDHOL 6 1244 GULBARGA 7 308 GARAG 8 1065 BELLARY 9 1611 C.H ROAD 10 743 DAVANGERE 11 1771 JUBILEE CIRCLE 12 329 RAMPURA 13 311 KONDLAHALLI 14 2648 GOKUL ROAD 15 2159 RAICHUR 16 2521 BOODANUR 17 877 TUMARIKOP 18 2653 TORANAGALLU 19 2850 CHIKKODI 20 3018 CHITRADURGA 21 2654 KALGHATAGI 22 2649 KUSUGAL ROAD 23 2855 GANGAVATHI 24 2292 LINGASUGUR 25 2857 HARIHARA 26 2890 SINDHANUR 27 2652 MUMMIGATTI 28 2854 GADAG 29 3053 MAHALINGPUR 30 2650 GAJENDRAGAD 31 2889 HAVERI 32 2856 CHELLAKERE 33 3054 KOWTAL 34 2994 BIDAR 35 2294 DEVADURGA 36 3019 HOSPET 37 3020 RANIBENNUR 38 2651 MANVI 39 3052 ANKALI 40 3226 MUNAVALLI 41 3200 BHALKI 42 3138 HARUGERI 43 3330 NARGUND 44 3231 THIMMAPUR 45 3329 KADAMPUR 46 3299 CHINCHINI 47 3413 KOPPAL Grand Total SB CA TD Tot. Dep ADV 1,170.02 17.47 4,198.77 5,386.26 7,686.04 5,990.52 250.46 2,704.27 8,945.25 3,741.88 771.48 2,925.91 6,009.04 9,706.43 2,107.25 1,601.62 279.27 5,095.97 6,976.86 2,660.42 320.49 109.86 1,058.67 1,489.02 7,836.71 1,311.04 150.01 1,654.94 3,115.99 4,777.07 871.29 42.35 1,851.67 2,765.31 2,290.80 719.89 156.55 1,035.54 1,911.98 3,098.98 1,292.17 249.74 2,434.55 3,976.46 757.62 562.14 222.54 1,651.75 2,436.43 2,098.94 855.08 69.26 2,159.78 3,084.12 723.29 783.06 65.53 1,414.49 2,263.08 1,445.37 490.57 56.78 676.08 1,223.43 2,432.39 137.31 23.00 497.86 658.17 2,754.01 393.75 133.15 645.96 1,172.86 1,641.00 132.57 109.82 65.88 308.27 2,350.98 283.14 13.12 870.17 1,166.43 1,079.81 69.25 8.79 41.48 119.52 1,770.08 66.56 12.31 69.13 148.00 1,290.77 99.31 18.88 106.72 224.91 850.78 188.92 21.51 210.96 421.39 602.31 108.94 16.77 322.36 448.07 365.44 53.45 38.17 181.04 272.66 531.44 161.64 32.33 132.50 326.47 458.85 144.53 23.90 273.52 441.95 270.83 96.79 62.96 56.55 216.30 355.24 60.25 4.55 378.92 443.72 116.08 81.98 8.27 191.98 282.23 246.18 80.63 0.24 24.85 105.72 420.65 116.65 7.28 66.38 190.31 312.48 84.53 10.99 187.05 282.57 208.73 72.28 1.71 49.75 123.74 262.07 21.23 1.39 17.51 40.13 338.70 35.12 1.71 62.99 99.82 266.03 128.00 23.60 47.33 198.93 165.09 93.74 10.01 121.33 225.08 133.52 40.94 17.94 60.39 119.27 141.16 48.05 13.96 32.13 94.14 105.94 39.23 0.49 40.19 79.91 103.85 11.02 0.09 5.83 16.94 100.62 6.50 20.10 3.76 30.36 84.57 5.10 6.71 11.81 62.01 8.09 0.95 27.24 36.28 0.86 8.14 2.48 2.73 13.35 19.98 18.52 8.45 26.97 3.78 2.83 6.61 0.52 0.02 3.15 3.69 19,640 5,236 36,761 61,637 59,067 Bus. Mix 13,072.30 12,687.13 11,813.68 9,637.28 9,325.73 7,893.06 5,056.11 5,010.96 4,734.08 4,535.37 3,807.41 3,708.45 3,655.82 3,412.18 2,813.86 2,659.25 2,246.24 1,889.60 1,438.77 1,075.69 1,023.70 813.51 804.10 785.32 712.78 571.54 559.80 528.41 526.37 502.79 491.30 385.81 378.83 365.85 364.02 358.60 260.43 200.08 183.76 117.56 114.93 73.82 37.14 33.33 26.97 6.61 3.69 1,20,704

Kumara Gandharva
Kumar Gandharva or Shivaputra Siddharamayya Komkalimath

(Kannada: ) (8 Apr 1924 - 12 Jan 1992)

born in Sulebhavi, Belgaum District,Karnataka was a Hindustani classical singer, well known for his unique vocal style and his refusal to be bound by the tradition of any gharana. The name Kumar Gandharva is a title given to him when he was a child prodigy; a Gandharva is a musical spirit in Hindu mythology.

Early life and education Gandharva was born in Sulebhavi near Belgaum, Karnataka, India. He studied music under the well-known Prof B. R. Deodhar. He married Bhanumati Kans in April 1947 and moved to Dewas, Madhya Pradesh. Soon after moving there, he was stricken with tuberculosis. Luckily, the wonder drugs which cure TB had only recently been discovered. Gradually, helped by excellent medical support and care from wife Bhanumati, Kumar Gandharva recovered and began singing again. However, his voice and singing style would always bear the scars of his surgery, which are evident to any person who listens to his songs such as 'Runanubandhachya" from the drama "Dev Dina Ghari Dhavla". Career Bhanumati Kans, who was learning music first under Deodhar and later under Kumar Gandharva himself, nursed him through his illness. His first mehfil after recovery from illness took place in 1953. The illness greatly affected Kumar's singing in later years he was to be known for powerful short phrases and his very high voice.
Kumarji also experimented with other forms of singing such as Nirguni bhajans (Devotional songs), folk songs, and with both ragas and presentation, often going from fast to slow compositions in the same raga. He is remembered for his great legacy of innovation, questioning tradition without rejecting it wholesale, resulting in music in touch with the roots of Indian culture, especially the folk music of Madhya Pradesh. His innovative approach towards music led to the creation of new ragas from combinations of older ragas. His style of singing attracted considerable controversy. Veteran singer Mogubai Kurdikar did not consider his vilambit (slow tempo) singing interesting and his own teacher Deodhar criticised some aspects of Kumar's singing but their relationship was strained from 1940s when Kumar Gandharva married Bhanumati. According to Pandharinath Kolhapure's book on Kumar Gandharva, Deodhar was against the match. But the criticism mostly centred around his vilambit gayaki. His singing in faster tempos, particularly his mastery over madhya-laya, was widely revered. Kumar Gandharva's first son, Mukul Shivputra, was born around 1955. After Bhanumati's death in 1961 during childbirth, Kumar married Vasundhara Shrikhande, another of his fellow-students at Deodhar School. Vasundhara Komkalimath formed a memorable duo with him in bhajan singing. She also provided vocal support to his classical renditions quite often. Their daughter Kalapini Komkalimath would later accompany both her parents on tanpura. Some of Kumar Gandharva's ideology is carried forward by his son and daughter, as well as students such as Madhup Mudgal, Shubha Mudgal, Vijay Sardeshmukh and Satyasheel Deshpande. Kumarji's grandson Bhuvanesh (Mukul Shivaputra's son) has also made a name for himself as classical singer. For a long spell, Kumar Gandharva's activities as a musician were managed by his friend and tabla accompanist Vasant Acharekar. Acharekar was Vasant Desai's assistant in the 1950s but later devoted himself fully to his role as an accompanist to classical singing until his death in late 1970s. His son Suresh Acharekar is also a tabla player, and has accompanied Kumar Gandharva and other artists. Kumarji had friendly relations with noted Marathi literary couple Pu La Deshpande and Sunita Deshpande. Kumar Gandharva was awarded the Padma Vibhushan award in 1990. The 4th movie in the series of 4 movies in the Kabir Project by Shabnam Virmani features the life of Kumar Gandharva and his disciples, his career and his journey into "Nirgun" singing. His song 'Sunta Hai' actually forms the title of the movie 'Koi Sunta Hai'. 'Hans Akela' is a 1 hour 18 minute documentary on Pandit Kumar Gandharva made by Films Division Govt. of India with interviews with various people - wife, friends, students. 'Mukkam Vashi'is a book made on notes collected during a 2 day workshop of the same name. It collected together the thoughts of Pandit Kumar Gandharva on the nature of music at a fundamental level. Raghav R. Menon has written a document on the quest of Pandit Kumar Gandharva for the meaning behind Swara as told in Marga Sangeet

BASAVAKALYAN

Pt

Basavakalyan is a town in Bidar District of the state of Karnataka, India, and was historically known as Kalyan.

History
Basavakalyan's history dates back to 3000 years with its name being mentioned in Guru Charitra]. Before India's independence, Basavakalyan was called Kalyani. After independence and division of states on linguistic basis in 1956, Kalyana was renamed as BasavaKalyana in memory of Vishwaguru Basavanna, a great revolutionary who established Anubhava Mantapa (spiritual democracy) in 12th century India. Basavakalyana was ruled by Western Chalukyas, Kalachuris, Yadavas of Devagiri, Bahamani Sultanate (Bidar, Gulbarga), Bijapur Sultanate, Mughals, Hyderabad Nizams.

Western Chalukyas
It was the royal capital of the Western Chalukya (Kalyani Chalukyas) dynasty from 1050 to 1195. Somesvara I (1041-1068) made Kalyana as his capital, recognised as Kalyani Chalukyas to differentiate with Badami Chalukyas. Later ruled by Somesvara II, Vikramaditya VI, Somesvara III,Jagadhekamalla III and Tailapa III. Before this Manyakheta was their capital. During the 10th-12th centuries ruled nearly half of India,[1][2] most of the western Deccan and South India. King Vikramaditya VI had scholars in his court such as Someshwara, Bilhana (poet of Kashmir) and Vigyaneshwara (legal expert).

Kalyani Chalukya architecture

The earliest examples of the Kalyani Chalukya style are found at Kuknur. The Kalleshvara and Navalinga temples here bear resemblances to early Chalukya group of Aihole and Pattadkal. The Jaina temple at Lakkundi near Gadag forms the nest step in the improvement of this style introducing a greater ornamental effec in the treatment of the surface. The Kalyani style of architecture reached its maturity and culmination in the 12th century. Kasi Vishveshvara at Lakkundi, Mallikarjuna at Kuruvatti and Mahadeva Temple (Itagi) are the finest examples produced by the later Chalukya architects. The Saraswathi and Someshwara temples atGadag are in a mutilated condition. There are nearly one hundred monuments of the period, scattered all over the Deccan, giving us information about the artistic excellence attained by the later Chalukyas of Kalyani.

Kalachuris
Kalachuris succeeded Kalyani Chalukyas continued Kalyani as there capital. During the 12th century the Kalachuri King Bijjala (1156-1167) assumed the throne, and Basaveshwara was appointed as his prime minister. Basaveshwara led a social movement to stop untouchability and gender discrimination, Shivasharana revolution took place. Basaveshwara motivated many with the Vachana sahitya, and more than 600 people became writers called Vachanakaras.

Centre of social and religious movement

The centre of a great social and religious movement. In the 12th century, because of the social reformer Basava, it became a seat of learning. Basava, Akka Mahadevi, Channabasavanna, Siddarama and other Sharanas are associated with Basavakalyana. Basava, who fought against castism and orthodoxy in Hinduism. Vishwaguru Basavanna was a great revolutionary who established spiritual democracy called "Anubhava Mantapa" in 12th Century in India(Anubhava Mantapa - which is also called as the "FIRST PARLIAMENT OF THE WORLD". Its lead by Saint Allamprabhu), and gave practical solutions to all kind of problems mankind was suffering at that time. His teachings are time tested, scientific and proven. Basava-Tatva is never ending inspiration to achieve the welfare of mankind.

Tourism Basavakalyan Temple: At Jalasangvi, Narayanapura and Shivapura there are temples of the Chalukya dynasty.
Basaveshvara temple is at the centre of Basavakalyana. There are some Islamic monuments Moti Mahal, Hydari Mahal, Peeran Durga. And other religious places such asGachchina Matha, Kambali Matha and Sadananda Matha. Basavakalyana Fort: Basavakalyana Fort was constructed by Chalukyas. It includes Jain images on its walls. There is museum in a side fort and there are Jain idols of the 10th-11th century. Shiva Temple at Narayanpura: There is a Shiva Temple at Narayanpura which dating back to Chalukya times (11th century), 4 km from Basavakalyana. Basaveshwara Temple and Anubhav mantap, There is a statue of Allamaprabhu, as the guru of the Basavanna and the related photos of Basavanna which he has worked for the people. There is lake beside it and full of trees surrounding its Temple. Basava Dharma Peetha Charitable Trust with the intension of reviving Sharana cultural heritage purchased a land of 3 acres on 21-12-2001 by the side of main road nearby the entrance of Basava Kalyana town. Later on the Trust purchased 17.5 acres just adjacent to the previous land and has built a prayer hall and living rooms. Haralayya Tirtha - an attractive water reservoir is formed. Sri Basaveswara cave and Akkamahadevi cave have been chiselled and carved beautifully in laterite rock-soil. Sharana village formed pictures the concept of 12th century Sharanas engaged actively in their kayakas (occupations). The Trust is running an orphanage. There is a beautiful Hillock which is named as Sharana Shaila. Beautiful rolling land scape is the high light of the place. On Sharana Shaila is erected Lord Basavannas statue of 108 height. It is structured on a pedestal of 24 feet height, 60 x 80 size. ruins of lord shiva temple of great architectural styles and written scripts can be found in a village soldapka, which is situated 20km away from Basavakalyan.

10 Common Leadership and Management Mistakes

Avoid common leadership and management mistakes.

(Part-1)

Experience is the name every one gives to their mistakes. Oscar Wilde
It's often said that mistakes provide great learning opportunities. However, it's much better not to make mistakes in the first place! In this article, we're looking at 10 of the most common leadership and management errors, and highlighting what you can do to avoid them. If you can learn about these here, rather than through experience, you'll save yourself a lot of trouble! 1. Lack of Feedback Sarah is a talented sales representative, but she has a habit of answering the phone in an unprofessional manner. Her boss is aware of this, but he's waiting for her performance review to tell her where she's going wrong. Unfortunately, until she's been alerted to the problem, she'll continue putting off potential customers. According to 1,400 executives polled by The Ken Blanchard Companies, failing to provide feedback is the most common mistake that leaders make. When you don't provide prompt feedback to your people, you're depriving them of the opportunity to improve their performance. To avoid this mistake, learn how to provide regular feedback to your team. (You can use our Bite-Sized Training session on Giving Feedback to gain an in-depth understanding of feedback, and to learn how to provide it effectively.) 2. Not Making Time for Your Team When you're a manager or leader, it's easy to get so wrapped up in your own workload that you don't make yourself available to your team. Yes, you have projects that you need to deliver. But your people must come first without you being available when they need you, your people won't know what to do, and they won't have the support and guidance that they need to meet their objectives. Avoid this mistake by blocking out time in your schedule specifically for your people, and by learning how to listen actively to your team. Develop your emotional intelligence so that you can be more aware of your team and their needs, and have a regular time when "your door is always open", so that your people know when they can get your help. You can also use Management By Walking Around , which is an effective way to stay in touch with your team. Once you're in a leadership or management role, your team should always come first - this is, at heart, what good leadership is all about! 3. Being Too "Hands-Off" One of your team has just completed an important project. The problem is that he misunderstood the project's specification, and you didn't stay in touch with him as he was working on it. Now, he's completed the project in the wrong way, and you're faced with explaining this to an angry client. Many leaders want to avoid micromanagement . But going to the opposite extreme (with a hand-offs management style) isn't a good idea either you need to get the balance right. Our article, Laissez Faire versus Micromanagement will help you find the right balance for your own situation. 4. Being Too Friendly Most of us want to be seen as friendly and approachable to people in our team. After all, people are happier working for a manager that they get on with. However, you'll sometimes have to make tough decisions regarding people in your team, and some people will be tempted to take advantage of your relationship if you're too friendly with them. This doesn't mean that you can't socialize with your people. But, you do need to get the balance right between being a friend and being the boss. Learn how to do avoid this mistake with our article, Now You're the Boss . Also, make sure that you set clear boundaries , so that team members aren't tempted to take advantage of you. 5. Failing to Define Goals When your people don't have clear goals, they muddle through their day. They can't be productive if they have no idea what they're working for, or what their work means. They also can't prioritize their workload effectively, meaning that projects and tasks get completed in the wrong order. Avoid this mistake by learning how to set SMART goals for your team. Use a Team Charter to specify where your team is going, and detail the resources it can draw upon. Also, use principles from Management by Objectives to align your team's goals to the mission of the organization.
- See more at: http://www.mindtools.com/pages/article/leadership-mistakes.htm#sthash.2uUdlI5f.dpuf

Health Benefits Of PINEAPPLE

Pineapple save many health benefits for the body. The fruit is rich in vitamins A and C as antioxidants. It also contains calcium, phosphorus, magnesium, iron, sodium, potassium, dextrose, sucrose, and the enzyme bromelain. Fresh pineapple is the main source of bromelain, a combination of digestive enzymes and proteins that will fight inflammation in the body. Bromelain is also associated with the prevention of infection and injury. Research shows, bromelain helps accelerate the healing of wounds, sinus inflammation, digestive disorders, arthritis, and asthma. But of course required bromelain should be in large numbers, therefore today widely available supplement containing bromelain.

Pineapple Nutrition Fact

Pineapple chunks about one cup contains 78.9 mg of vitamin C, a little below the citrus fruit about 87.7 mg. In equal portions, pineapple also contains 180 mg of potassium which is helpful to keep regularity of heart rate and blood pressure. Furthermore this fruit also contains manganese. Fresh pineapple contains bromelain, a combination of digestive enzymes and proteins that will fight inflammation in the body.

Pineapple Health Benefits

Here are some benefits of pineapple for our bodies: 1. Weight loss: Pineapple fruit proved to be very good in one's diet program petrified. Content in it to reduce weight naturally. 2. Maintaining healthy teeth Efficacy of pineapple fruit can maintain the health of your teeth, it's because pineapple contains vitamin C which can help prevent dental plaque also gum disease. 3. Helps soften the food in the stomach Pineapple contains the enzyme bromelain which can be useful to help soften the food in the stomach. This enzyme also functions as an anti-inflammatory and inhibiting the growth of cancer cells. 4. Overcoming skin inflammation Pineapple fruit can be used to overcome the problem of skin inflammation. Way, take half of the pineapple is ripe. Peel the skin and scar. Use proceeds to rub the grated pineapple peeling and scaly skin. Perform this activity at night before bed. The next day, freshly laundered. 5. Increase blood sugar Pineapple has a fairly high sugar content. For patients with low blood sugar, pineapple can be taken to help improve blood sugar levels. 6. Overcoming constipation Constipation can be caused by a lack of fiber. Fiber-containing foods can be fruits, one of which is the pineapple. The trick, drink pineapple juice. Choose a pineapple that is not too ripe. Choose a pineapple that are still acidic. 7. Overcoming bloating Other benefits of pineapple fruit is overcome interference bloating in the stomach. Drinking pure pineapple juice at least 30 minutes before you eating. Do this 3 times a day with a dose of 150 cc at a time. 8. Strengthens the immune system. The benefits of pineapple which is sourced from the essential amino acids and non-essential which is in pineapple fruit. Both of these compounds has long been known to strengthen the immune system and help the body overcome fatigue.

Pineapple Side Effect Although the pineapple fruit has many benefits, there are also side effects if consumed in excess, such as: Some research says young pineapple potentially abort the womb. Therefore, it is recommended to pregnant women
not to consume young pineapple.

Increase blood sugar levels. Ripe pineapple fruit in fact contain high levels of sugar. The diabetics should not consume excessive pineapple.

Cause rheumatism. According to some studies, in the process of digestion, pineapple fruit fermented into alcohol
that can lead to arthritis. For rheumatism and arthritis sufferers should limit consumption of pineapple.

For some people, eating too much pineapple can cause headaches. Pineapple fruit can cause allergic reactions in
some people. Some people may experience allergic symptoms such as skin becomes red and itchy after eating pineapple. To avoid this, dip pineapple in salt water before consumption. In case of serious allergies, lips and mouth can become swollen after eating pineapple.

- See more at: http://letsgohealthy.blogspot.in/2013/05/pineapple-health-benefits-nutrition.html#sthash.iyo9uaFh.dpuf

Message of the year 2014: Women live a better, longer & peaceful life..!! Why? Very simple A woman does not have a wife..!!! Husband: Today is Sunday & I have to enjoy it. So I bought 3 movie tickets. Wife: Why three? Husband: 1 for you & 2 for your parents. Man: My wife is too good, She can talk on any subject for hours Friend : Ahh!!! my wife is better, she does not even need a subject to talk about! Two married men talking: 10 yrs ago, whenever I returned home, My dog used to greet me by barking & my Wife by kissing. now they both exactly do the opposite Wife: Yesterday night I saw a dream, that u were sending me Jewelry and clothes! Husband: yeah, I saw your dad paying the bill !!! Wife- Beggar who came yesterday is very bad Husband Why ? Wife- I gave him food yesterday & today he gifted me a book How to cook Wife : Look a thief has entered our kitchen and he is eating the cake prepared by me. Husband: Whom should I call now Police or Ambulance Question: What is the most effective way to remember your wifes birthday? Answer : Just forget it once and you will never forget it again. It is said that Husband is the head of the family, But remember that wife is the neck of the family, & the neck can turn the Head exactly the way she wants. Wife: Our new neighbour always kisses his wife when he goes to work, why don't you do that? Husband: How can I? I don't even know her. Wife to Husband: Did you Have any Girl Friend before marriage ? Husband remains silent ? Wife: what is the meaning of silence? Husband: Wait let me count. Possible Reasons When A Man Opens a car door for wife 1) The Car Is New. 2) The Wife Is New 3) (Most Imp) She Is Not His Wife A very old man lay dying in his bed, when he smelt the aroma of favorite food. Gathering all his strength, he slowly walked and reached the kitchen to see so many varieties of his favorite food kept on table. Was it heaven? Or was it his beloved wifes effort to see that he left this world a happy man? Mustering one final effort, his withered hand made its way to a cookie, when he was smacked with a spatula by his wife. Stay out of those, she said.Theyre for your funeral. Chess is the only game in the world which reflects the status of the husband The poor king can take only 1 step at a time whereas while the mighty queen can do whatever she likes. All men are brave, horror movies dont scare them, but 5 missed calls from wife. Surely does. What is checkmate: You tell your wife I saw a lady, looked exactly like you & wife asks was she beautiful, You cant say no, You cant say yes, & that is checkmate

DISCLAIMER: The views expressed in this magazine by members are individual views and do not necessarily reect the views of t he Editors of the Magazine or Indian Overseas Bank.

Indian Overseas Bank, Regional Office, Hubli

1st Floor, Madhav Arcade, Nehru Nagar, Gokul Road, Hubli-580030. Ph. No: 0836-2307030