Letter to a bank requesting a loan of 25 lakhs to buy a piece of property

30^th September, 2012

From

            Dinesh A.L

            Managing Director

            162, SKL Enterprises Ltd.

            Vellore- 632503 

To       

 Mr. Vasu Devan

 Branch Manager

 Indian Bank

 Vellore- 632503

Re: Loan Request of Rs.2500000 by A/C: 42011468

Dear Mr. Vasu Devan:

I have been a patron of your bank with a savings account for the last 12 years. I own SKL Enterprises Ltd. in Vellore. Since my business is involving more in transportation of goods, I need some extra vehicles. I would be glad if you give me a loan of Rs.2500000 for a period of 5 years against the house property document attached.

I have attached my bank statement, you can see that there is no overdraft against my account. I assure you that I will return the loan within the period mentioned above. If you need further information regarding the approval of my loan, I am ready to come and meet you at any time.

I hope for your positive response.

Yours faithfully,

              Dinesh A.L

   

       

Letter of apology to the customer who received a badly damaged consignment fom my company

30^th September 2012

Mr. Prabu

132 Anna Nagar

Chennai 600 008

Dear Mr. Prabu:

            In response to your letter on September 28, we regret for your inconvenience caused due to the purchase of damaged washing machine from our SKL Enterprises Ltd. We always give good quality products and satisfy the customer at best level. But unexpectedly, it happened to you. I apology you for the delivery of damaged product.

We assure you that your washing machine will be replaced within 3 business days and also we give you an offer of additional 1 year warranty.

Please call my office number - 044 287456 if you have any further questions about this problem.

Yours Sincerely,

Dinesh A.L

Customer service manager

SKL Enterprises Ltd.

                                                                  

A Day in life of women coconut vendor

     We met a woman who was selling tender coconuts. When we said that we want to interview her, she said ok but at the same time she feared that it might cause trouble to her. It took me some time to convince her that this will not create any problems for her. Finally she told us that her name is vasantha. She has a son and her husband is not with her. I ask you my readers how is it possible to leave behind a son and wife and run away for another woman. Now her aim is to give good education to her son. She has been in the coconut selling business for the past three months. Before that she worked only as a maid in some houses. But that money was not enough to give good education for her son. So, she started to sell tender coconuts additionally.

     Talking about her day to day life, she wakes up early in morning and prepares food for her son and then she goes to work as a maid in some houses. From afternoon to evening she sells coconuts. She is earning only Rs.8000 per month and is able to managing her family in a proper way.  She is dedicating her life for her son.

     It takes a lot of courage to live without a husband, taking care of her kid and doing business. She could have run away from all of this but instead she chose to stay and take care of her son and try to rise him with good education so that some day he can take care of himself and be able to stand tall in society.

    I hope my readers can see the care, the courage and the moral tenacity of the woman who sells coconut to us. She is an inspiration for us all to stand tall even in the face of despair, to have a goal even when all seems lost.   

The Yellow Metal

Rise in Gold Price   Gold prices continued their upward journey on Tuesday, rising 0.27 per cent to Rs 32,720 per 10 grams in futures trade, as speculators indulged in creating positions driven by firming trend overseas.   At the Multi Commodity Exchange, gold for delivery in february shot up by Rs 88, or 0.27 per cent, to trade at Rs 32,720 per 10 grams, with a turnover of three lots. In 33 years, gold rose 32 times to reach Rs 32,000   Interestingly, what took the first three decades (1979-2009) to achieve in terms of rise in gold prices, the last three years (Sept 2009 to Sept 2012) matched it. Between 1979 and 2009, gold prices increased 16 times and reached Rs16,000 per 10 gram. In last three years, gold prices have doubled from Rs16,000 in September 2009 to Rs32,000 in September 2012.   Market men said rally in gold futures was mostly driven by a firming trend overseas on speculation central banks from the US to China will increase stimulus as economic data disappoints, raising demand for the precious metal.   On Thursday, gold price increased by Rs325 and closed at an all-time new high of Rs32,250 per 10 gram in Ahmedabad. In last two weeks, gold prices rose by Rs1,000 as it crossed the Rs31,000 mark in city.

   Experts believe that price will continue to rise in India. “In last 33 years, gold shot up by 32 times. In last 12 years, gold shot up by more than six times and in last three years its prices have doubled. In history, the gold prices have stabled but have never seen huge correction. In coming years, price will touch level of Rs 35,000 and Rs 40,000, and soon,” said bullion trader and analyst Girish Choksi. He said that looking at the history of gold prices, investors should continue to put money in gold. Market men said rally in gold futures was mostly driven by a firming trend overseas on speculation central banks from the US to China will increase stimulus as economic data disappoints, raising demand for the precious metal gold.