MY PHOTO IN 2013 P O SUBASH

Devabhushan my Kannada tutor in 1975

The Schooling process tossed many challenges, fears and uncertainties to cope up with. One was to pick up reading and writing the Kannada language and at the same time gaining some mastery over it.

I think I fared very badly once in my 5th standard and was appalled and upset. Thankfully help was near as my Father identified a tutor near my house who though being of a telugu origin was conversant with Kannada and there I went for a fairly long period of time to be tutored in the evenings every other day an the results were truly magnificent as my scores improved significantly in the ensuing exam at the school.

The name of this person was DevaBhusan a sturdy and joyful man and his wife. I would be failing in my mannerisms if I do not thank this man and his service he did to me in acting as a prop during this phase. He was more than a teacher and we met often at many places but gradually loosing touch later.

Thank you Mr. DevaBhushan...later on I used to score fairly high at Kannada exams doing very well in the tenth standard exam of the Karnataka board.

Concepts of Insurance

Insurance is a vital sector of any Economy ..without insurance no one will venture into many forms of commercial activities as risks and resulting hazards can create economic havoc. Insurance is defined by many people in many different ways but is a mutual fund entered into by a group of people who share the same risk and risk probability and upon occurrence of the risk damages would be borne by the mutual fund which means that utmost good faith must exist among the constituents of the fund. Utmost good faith is called Uberremei Fedei. Insurance companies act as an agent in organizing the insurance activity.

There are two kinds of insurance contracts. Contracts of Benefit and Contracts of indemnity. Life Insurance policies are contracts of Benefit and General insurance policies are contracts of Indemnity. Indemnity is simply restoration of loss in the event of contingency. There are many kinds of life-insurance policies including pensions and annuities.

Re-insurance , Co-insurance, Subrogation are all certain concepts of insurance. Subrogation prevents unjust enrichment which means the insured can only get one set of claim for damage. Simply said if A and B meet with an accident and the fault is that of B and A gets reimbursement from the Insurance company the right of A to claim for damages ends. He cannot sue B and avail additional damages though the insurance company can sue A. In the event B getting any settlement from A the insurance company can take back the amount paid by the company .

Any general insurance involves covering huge possibility of losses and Co-insurance is some kind of joint insurance between the insured and the insurer. In Re-Insurance it is Insuring the insured..the insurance organization insures itself for some premium with another agency.

Two of my visiting cards

Two of  my visiting cards fished out from some brief case..they were some happiest times of my life somewhere

VIJAYANAGAR....The Temple Town of Bangalore

There are many places to reckon with in Bangalore...Indiranagar...Rajajinagar...Jayanagar  etc  and each of these places have their own unique traits or parameters or features whatever one may call it. Some are known more as residential layouts,,some are fast becoming commercial hot-spots and many of these clusters compose what Bangalore is today and the growth of these places have been sporadic and unplanned.

I have been to all these places mentioned above and if one were to ask me which of these places or for that matter that place that I like the most..somewhere the answer would be Vijayanagar..I enjoy driving through this place.

Vijayanagar is one of the places in Bangalore where Kannada is spoken by the entire populace..it has a vast cluster of temples and more than anything else it is sylvan  and driving through this place one is largely shielded by the many trees that skirt the roads.

One of the key features is the many temples around and also the business that happens at this place during festive seasons..more so the Hindu festivals. Flower markets..vegetable markets...fruit vendors .....textiles..all come alive here in unison during Hindu festivals. Not to forget that Vijayanagar  is a residential locality in its own right. Every 50 meters one sees a temple in this area starting with the Iskcon temple atop the hilly slope and as one moves downwards a host of small and big temples and note that some or the event pre-occupies these  temples  almost every other day.

Anyone who wishes to visit Vijayanagar can approach it from Majestic through the Magadi road or the Mysore road or even from the Tumkur road.