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MD’s Message Pg 3

Birthday Babies Pg 5

New Faces & Exits Pg 7

Industry News Pg 8

Personal Finance Pg 10

Know your English Pg 13

Fun & Humour Pg 17

Notice Pg 22

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Dear Worldwideans, As we celebrate our 70th Independence Day this month, I wish to pay tributes and remember all the freedom fighters who had fought for our Independence. I wish to extend my best wishes to all fellow citizens and pray that India makes rapid progress in all the areas & surge ahead. Earlier this month, Gopan's team had received a glowing appreciation from Mahindra for our excellent service and "putting extra effort & arranging clearance of all piled up shipment under MNRE". I am proud of the great work done by Gopan & team and wish them all the best. Keep it up! Hope we will receive more of such testimonials in future. Gujarat, Mumbai and some parts of the northern India are having a tough time due to the heavy rains. Hope our business and operations are not affected due to this. If there are any issues, I request the HODs to send us a message on this. Of late, I see our official WhatsApp with full of unwanted forwards and political messages. I request all concerned to post only useful info which should be business related only. It’s reported in the media that GST implementation is still underway with many confusions in its application and rules & regulations. I am sure the businesses will soon come back to normal, with Govt’s efforts. At WWL Group, we have successfully transitioned to the new system with full involvement of our employees at all levels.

1) We have been successful in not only migrating our existing registration but also to obtain fresh registration for most of our branches.

2) The taxation team of Srinivasan & Praveen under the able guidance of Venkat

have burnt a lot of midnight oil and worked on holidays to complete the task and ensure that there were no major hiccups.

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3) Along with the taxation team, the rest of the accounts team and IT team have been working hard to cater to the new GST regime and we are 75% through with our systems. Rest will also be completed within this month.

I wish to place on record my sincere appreciation and thanks to our entire team of Worldwideans concerned. Last but not the least, it has been brought to my notice that the monthly magazine is not read by our employees. It’s hardly read by 3-4 persons. This is disappointing to me especially since this magazine is my brainchild and I have been hopeful of getting everyone’s contribution on this. I request everyone to send in their articles / tid-bits, etc to make this an interesting read. It’s also the HOD’s duty to display / circular the magazine so that it reaches all the employees. Please understand that the magazine is “for the employees, by the employees & of the employees”! I wish you all good times ahead & stay perfect! Regards, Bala

Feedback

What do you expect from the WWL Employees’ Monthly Magazine? We want to hear your

views. Please do send us your comments & suggestions for the magazine to:

info@go2wwl.com.

- Management

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Birthday Babies

Employee Name Date Of Birth Curr.Location

Tejal Nainish Pathare 01 AUG 1985 Mumbai

Gowda T 02 AUG 1962 Bangalore

Karthik K 02 AUG 1991 Port Office

Varun Kumar Mishra 02 AUG 1987 New Delhi

Ramesh Kumar Andela 03 AUG 1977 Hyderabad

Mithilesh Kumar Jha 04 AUG 1969 CHENNAI - CORPORATE

Aloke Kumar Sinha 06 AUG 1948 Kolkata

Amaresh Nagurao Kamji 07 AUG 1988 Gurgoan

Muthuraj P 07 AUG 1983 Tuticorin

Sumathi S 09 AUG 1993 CHENNAI - CORPORATE

Vigneshwaran K 10 AUG 1989 CHENNAI - CORPORATE

Sasidaran R 11 AUG 1983 CHENNAI - CORPORATE

Kannan C T 12 AUG 1973 CHENNAI - CORPORATE

Rajakumar T P 12 AUG 1966 CHENNAI - CORPORATE

Tushar Jayantibhai

Visawadiya 14 AUG 1983 Mumbai

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Employee Name Date Of Birth Curr.Location

Leo V 15 AUG 1974 New Delhi

Yaseen Khan 15 AUG 1974 Bangalore

Surender 15 AUG 1990 Bangalore

Mahaboob Subhani S K 15 AUG 1974 Tuticorin

Gopalakrishna Gowda A N 16 AUG 1984 Bangalore

Dipesh Yogendra Tahiliani 16 AUG 1992 Gandhidham

Suresh A 19 AUG 1993 CHENNAI - CORPORATE

Naresh Kumar M 20 AUG 1985 Hyderabad

Vishal Yadav 20 AUG 1991 New Delhi

Jeevanandan S 24 AUG 1988 CHENNAI - CORPORATE

Sharma O R K 24 AUG 1964 Hyderabad

Priyanka Babu Mogaveera 25 AUG 1992 Mumbai

Raj Veljibhai Manglia 26 AUG 1990 Gandhidham

Ratnesh Singh 25 AUG 1982 New Delhi

Mohanraj D 28 AUG 1992 CHENNAI - CORPORATE

Monish J 28 AUG 1992 Chennai - Port Office

Ravishankar G M 29 AUG 1965 Bangalore

Happy Birthday & many more happy returns of the day!! to all the above

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NAME BRANCH DEPARTMENT

Jayesh Prajapati Gandhidham Operations

Deepak R P Bangalore Operations

Asha Limbu New Delhi Operations

Balaji M Chennai Corporate Marketing & Sales

Mohsin Zuber Suratwala Gandhidham Operations

NAME BRANCH DEPARTMENT

Kalaivanan K Chennai - Port Office Operations

Mathavan M Chennai - Port Office Accounts

Vikram Gadhvi Gandhidham Operations

Lavanya S Chennai Corporate HR & Admin

Senthil Kumaran S Chennai Corporate HR & Admin

Arunkumar A Chennai Corporate Operations

Vaibhav Sureshbhai Ahir Gandhidham Operations

Sruthi S Chennai – Port Office Operations

Dipak Shamrao Waychal Mumbai Operations

Satish Kishan Chake Mumbai Operations

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From The Hindu Business Line:

GST, a big boost for the logistics industry

For most people, warehouses and transportation represent the boring end of the business spectrum. Countless cartons of everything from tomato ketchup to auto parts aren’t calculated to grab interest. But it’s time to listen up. While the sector’s already been on a growth spree, driven by a burgeoning consumer market, GST’s advent is about to kick the business onto a new growth trajectory with the abolition of inter-State checkpoints and the creation of regional logistics hubs and economies-of-scale.

Anshuman Singh is one logistics player eyeing what he sees as rich prospects from India’s big tax revamp. Singh was the CEO who built up Future Supply Chain Solutions, the logistics arm of retail giant Future Group (he also had a stake in the company). Singh figured he wanted to run his own show and launched Stellar Value Chain Solutions 11 months ago. By September, he’ll have 2 million sq ft of warehousing space and he aims to double that by next March to four million. That’s for starters. Singh intends to have 40 million sq ft of warehouses in the next 4-5 years, spread across 28 logistics parks in 21 cities. In addition, he has 400 trucks on the road and aims to make that 40,000. Private-equity investor Warburg Pincus has backed Stellar to the tune of $125 million.

“Everything related to consumers — lifestyle, durables, food, beverages, pharmacy and FMCG (fast-moving consumer goods) — that’s where we intend to bring change,” Singh says, noting India hasn’t too many good warehouses. “Ten years ago, we had only godowns. I want to build the supply chain in this country,” he says.

A game-changer

Ironically, when Singh helped launch Future Logistics a decade ago, he did so believing GST was just around the corner. Now it’s finally arrived, it’s undoubtedly a game-changer for the logistics sector which kicks in 13 per cent to GDP despite being underdeveloped and highly fragmented. (Bear in mind China, during its rapid growth phase, saw its logistics sector account for 18-20 per cent of GDP). Pre-GST, “companies were used to locating and operating

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warehouses keeping in view the Central Sales Tax structure, irrespective of their end-customer base. Now emphasis will be on operational efficiencies”, says Shyam Arumugam, who’s office services associate director at commercial real-estate company Colliers International India.

It’s been the e-commerce industry which has been the fuel for the sector’s rocket-propelled growth as it replaced shoppers tramping around stores with doorstep parcel service. Take a squint at Ecom Express, started in 2012 by four employees of courier company DHL. During the last financial year, Ecom Express delivered 50 million parcels, up from 19 million two years earlier. Ecom Express’s proud boast is it can reach every pincode in 12 states and its next goal is to do the same in another 12 states. It reckons 25 per cent of the logistics industry comes from e-commerce. “We’re practically like the post office,” says K Satyanarayana, a company co-founder. “We deliver to furthermost rural areas and create lots of rural employment,” he adds. Ecom Express has 16,000 people on its rolls. The company has also taken a sideways step and opened five warehouses near major metros.

Bright picture

The logistics firms were already in the fast lane but the big time looms with GST, the biggest upheaval, which consultancy KPMG says will provide a chance to “rationalise and re-engineer transportation and logistics networks”. Logistics firms will be able to follow hub-and-spoke models for freight movement as they set up large warehouses. “We expect 80 warehouses to become 20 much bigger ones,” says one executive. Stellar’s Singh says his warehouses will be sited near 17 big metros and four production centres like Ludhiana.

Certainly, the new warehouses will be state-of-the-art and many will be super-sized and specialised. Stellar aims to have four warehouse types, including some handling only cold-chain items and others e-commerce products. He expects his warehouses to match highly automated ones abroad.

Entering the logistics business at a different level are firms like IndoSpace and Bangalore-based real-estate giant the Embassy Group. They’re building logistics parks with warehouses that will be rented by firms like Stellar Value. IndoSpace hit headlines recently when it won $1.2-billion backing from the Canadian Pension Plan Investment Board.

Similarly, Embassy Industrial Parks has sprawling logistics parks in Sriperumbudur, Chakan near Pune and also Gurgaon. Anshul Singhal, CEO, Embassy Industrial Parks, says the company already has 4 million sq ft of space and plans to hike that to around 20-25 million sq ft in the next five years. The Embassy Group is also getting funding from Warburg. Incidentally, Warburg’s logistic investments include Embassy, Stellar, Ecom Express and Rivigo, a trucking firm. Warburg has invested $75 million in Rivigo.

As efficiencies take effect, logistics costs will fall, as is the case with the US where logistics now represents just 8.5 per cent of GDP. When that happens, it will be a clear sign India’s logistics industry has come of age.

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Personal Finance

Article from www.moneycontrol.com

9 thumb rules that can help you invest better and achieve financial freedom

Every individual is unique and has different financial goals, risk taking appetite and attitude towards saving/investing. However, there are certain fundamental principles of investing which are universally applicable to “one and all”. These principles are also referred as “Thumb Rules” in general parlance.

We are sharing below certain thumb rules which must be kept in mind before making investment / financial decisions.

1. How much should one save?

Your monthly savings must be at least 30% of your take home salary / income. Take home salary is computed as net salary after statutory deductions like provident fund and TDS etc. For example, if your gross monthly income is Rs.1 lakh and your take home salary after tax / PF is Rs.70,000 then you must save at least Rs.21,000 every month for investing in your medium to long term goals.

2. How much balance should be maintained in savings bank account?

Not more than two times of your monthly household budget expenses. If your household expenses budget is Rs.50,000 per month, you should not keep more than Rs.1 lakh balance in your savings account. Please remember that generally savings bank accounts earn interest @ 4% per year and that is not enough even to beat inflation.

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3. How much should be invested in gold?

Ideal allocation to gold is around 10% of your financial portfolio. Financial portfolio includes, bank balance, fixed deposits, post office schemes, mutual funds, bonds, shares and stocks etc. Accordingly, if your financial portfolio (without adding the value of house) is Rs.1 crore, maximum exposure to gold including gold mutual fund or gold ETF should be Rs.10 lakh. If your investment in gold is less than 10% of your financial portfolio, you may invest in gold ETF or gold mutual funds rather than buying physical gold which carries risk of being stolen. On the other hand, if your current investment is higher than 10% of your financial portfolio, then at least do not make any fresh investment in gold until your financial portfolio grows and exposure to gold comes down to around 10%.

4. How much should be investment in equity?

Thumb rule for investing in equity is “100 minus your age” should be the allocation to equity. For example, if your age is 30 years, you may invest up to 70% (100 – 30) of your savings into equity through equity mutual fund schemes of reputed asset management companies. Similarly, if your current age is 60 years, you should not invest more than 40% (100 – 60) of your savings in equity oriented schemes. As your age continues to grow, you should reduce your exposure to equity.

5. How much should be allocated to debt?

As already mentioned, around 10% should be invested in gold, 100 minus your age should be invested in equity and balance should be invested in debt schemes like PPF, debt mutual funds, FMP, bonds, bank deposits etc. For example, if your current age is 50 years then you should invest 50% in equity, (100 – 50), 10% in gold and balance 40% in various debt instruments.

6. How much should be the life insurance coverage?

The thumb rule for life insurance coverage amount is at least seven times of your annual income. If your annual salary package is Rs.15 lakh, you must have “Sum Assured” of at least Rs.1 crore in one or more life insurance plans including term Plan, ULIPs and traditional plans.

7. What is thumb rule for health insurance coverage?

For single individual, with no dependents, health insurance coverage of Rs.2 lakh is enough. However, for any couple with or without kids, health insurance coverage should be for minimum Rs.5 lakh and if your old parents are also alive and dependent on you then you must take a family floater plan of Rs.10 lakh.

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8. What is the ideal number of mutual fund SIPs?

If your monthly savings is Rs.10,000, you must have minimum 2 SIPs of Rs.5,000 each - one in large cap and another in mid cap. If your monthly savings is Rs.25,000, you should have 5 SIPs of Rs.5,000 each out of which two should be large cap, one mid cap, one flexi cap and the last one can be in sectoral SIP like banking or infrastructure.

9. How often should one review his portfolio?

Thumb rule for reviewing the portfolio is once every three months if your portfolio is larger than Rs.50 lakh and at least twice a year if your portfolio is less than Rs.50 lakh.

Above thumb rules are shared for reference purpose only and to ensure that you should not go “off course” in your journey of wealth creation and achievement of your financial goals.

You must consult a certified financial planner or a subject matter expert for taking important financial decisions.

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Happy Independence Day wishes to all Worldwideans!!

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Vocabulary

Commonly confused words

Are you uncertain at times about the spellings of similar sounding words - which one is right? There are a lot of words in English that look or sound alike but have very different meanings, such as pore and pour or flaunt and flout. It’s easy to get them confused and most electronic spellcheckers won’t be much help in this type of situation: they can tell you if a word has been spelled wrongly but they can’t generally flag up the misuse of a correctly spelled word.

Here’s a quick-reference list of pairs of words that regularly cause people problems. The words follow the accepted British English spelling. Some of them do have alternative American spellings.

Confusables Meanings

accept except

to agree to receive or do not including

adverse averse

unfavourable, harmful strongly disliking; opposed

advice advise

recommendations about what to do to recommend something

affect effect

to change or make a difference to a result; to bring about a result

aisle isle

a passage between rows of seats an island

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all together altogether

all in one place, all at once completely; on the whole

aloud allowed

out loud permitted

altar alter

a sacred table in a church to change

appraise apprise

to assess to inform someone

assent ascent

agreement, approval the action of rising or climbing up

aural oral

relating to the ears or hearing relating to the mouth; spoken

bare bear

naked; to uncover to carry; to put up with

berth birth

a bunk in a ship, train, etc. the emergence of a baby from the womb

born borne

having started life carried

bough bow

a branch of a tree to bend the head; the front of a ship

brake break

a device for stopping a vehicle; to stop a vehicle to separate into pieces; a pause

breach breech

to break through, or break a rule; a gap the back part of a gun barrel

canvas canvass

a type of strong cloth to seek people’s votes

cereal serial

a grass producing an edible grain; a breakfast food made from grains happening in a series

chord cord

a group of musical notes a length of string; a cord-like body part

coarse course

rough a direction; a school subject; part of a meal

complement compliment

to add to so as to improve; an addition that improves something to praise or express approval; an admiring remark

council counsel

a group of people who manage or advise advice; to advise

cue queue

a signal for action; a wooden rod a line of people or vehicles

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curb kerb

to keep something in check; a control or limit (in British English) the stone edge of a pavement

currant current

a dried grape happening now; a flow of water, air, or electricity

defuse diffuse

to make a situation less tense to spread over a wide area

desert dessert

a waterless, empty area; to abandon someone the sweet course of a meal

discreet discrete

careful not to attract attention separate and distinct

disinterested uninterested

impartial not interested

dual duel

having two parts a fight or contest between two people

elicit illicit

to draw out a reply or reaction not allowed by law or rules

ensure insure

to make certain that something will happen to provide compensation if a person dies or property is damaged

envelop envelope

to cover or surround a paper container for a letter

flaunt flout

to display ostentatiously to disregard a rule

foreword forward

an introduction to a book onwards, ahead

freeze frieze

to turn to ice a decoration along a wall

hoard horde

a store a large crowd of people

imply infer

to suggest indirectly to draw a conclusion

loose lose

to unfasten; to set free to be deprived of; to be unable to find

meter metre

a measuring device a metric unit; rhythm in verse

palate palette

the roof of the mouth a board for mixing colours

pedal peddle

a foot-operated lever to sell goods

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pole poll

a long, slender piece of wood voting in an election

pour pore

to flow or cause to flow a tiny opening; to study something closely

practice practise

the use of an idea or method; the work or business of a doctor, dentist, etc. to do something repeatedly to gain skill; to do something regularly

principal principle

most important; the head of a school a fundamental rule or belief

sceptic septic

a person inclined to doubt infected with bacteria

sight site

the ability to see a location

stationary stationery

not moving writing materials

storey story

a level of a building a tale or account

yoke yolk

a wooden crosspiece for harnessing a pair of oxen the yellow center of an egg

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FUN & HUMOUR

Advertisement For A Wife

FISHERMAN Wife wanted, must be able to dig, clean, cook worms and clean fish. Must have own boat with motor. Please send photograph of motorboat. SALESMAN Once in a lifetime offer, to get yourself the original, genuine article. One of the most handsome and smartest bachelor's around is now looking for a wife. And you could be the lucky one he chooses! Has own house, car and successful career! ECONOMIST in demand of a wife. Supply is great though my requirements are high. However the Elasticity of my demands should not bear too heavy a burden upon the national interest. MATHEMATICIAN Wife required to complete the formula of my life. Must be numerate and understand complex algebraic logarithms. Needed to help further my family unit. IT CONSULTANT Well there is definite room for improvement in my life. The speed of my current flows of information and processes is slowing down and the injection of a wife into my life is bound to improve efficiency. Compatibility could be an issue. BUSINESS MAN Wife wanted for company. POLITICIAN I feel there is a need in this world, to improve the ways we live, to harmonize the processes of life and to build upon past differences and short comings. I believe that we the people need someone to share our lives. To feel the joys of parent hood, and bear the social responsibilities, as we should in a civilized society..... ......... ... (etc etc and never getting to the point) " "

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CAR DEALER Wanted a sturdy, reliable, low depreciating wife. Should be in excellent working condition. FARMER Wanted a wife for from good stock. Required for breading. LAWYER hereby propose to solicit myself as an eligible candidate for the post of wife after marriage. The person whom I'm looking for should be strictly -a girl. The girl should be strictly a girl, with evidence to support this view that she is a girl. The girl should be willing to surrender to the service and jurisdiction of My Lord i.e. Myself. Any objections would be overruled a! nd will not be sustained. Apply in limited confidence as all liabilities are null and void in the event of failure on our part of any kind whatsoever. PILOT Wife required for to complete my life. Please only level headed applicants. She must not have her heads in the clouds, but have her feet firmly on the ground. Her heart must be in it for the long haul. And she absolutely must also be aerodynamically sound!!! BANKER Wanted wife who takes interest in me and credits me with her service. SHAAYAR Burri muddat keh baad eik arazoo jaagi hai, Key hum bee shaadi shooda ho jaayeh, Kya bahaana shaadi karaney ka.......... ..... joh kurrey sarey sarey, Yeah mai butaatah hoon ....... Kyoon key yaroo ub khud ghur keh kaam hotah nahee sarey sarey. ACCOUNTANT Required a girl for - 5'8' & 36' 24' 36' with a good head for figures. She must be averse to making unnecessary expenditure and her very nature should be one of generating as few expenses in my life as possible. She should profit from a nice personality and be a credit to her family. SHARABI Wanted a girl. Girl's father should preferably have a drinks factory. I am an occasional alcoholic who drinks only when friends come round. Friends come round only seven times a week. Girl preferred who can carry me from bar to ghar-bar. Meet personally in a bar or send drinks for trial. Sample should be ample. "" MINICAB DRIVER Hello! Hello! number 9 calling. This is number 9 I'm calling from x-ud,erm a wife is needed for pick me up. Driving license not necessary, but map reading skills are a bonus. BEGGAR Allah kay naam peh koi eik biwi dey dey, Doosrey kee nahi to upni hee dey dey, Allah terah bullah kurrey, Tujhey eik key balley doh dey dey, Hillery hogi toh Monika bhi dey dey!

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BUILDER Wanted a wife for to help build upon the foundations of my life. Must be homely and willing to build relationship from the ground up. DOCTOR looking for a wife to cure the emptiness in my life. However if you feel the need for a second opinion then it's fine by me. ARMY COMMANDO My mission in life is to find myself the perfect wife for me. Successful applicants must be able to use a penknife and a compass. She who dares wins. Camouflage provided. " RACE CAR DRIVER A model wife required for to fit in with my fast track life. Must be able to keep pace! ASTRONAUT searching for a wife to fill the space in my life. Someone to share my universe. Must have looks that are out of this world!

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Best of WhatsApp forwards:

An Engineering student attended a Medical exam by mistake. See his answers...

The last one is ultimate

1. Antibody - One who hates his body .

2. Artery - Study of Fine Paintings or military, not sure.

3. Bacteria - Back door of a Cafeteria .

4. Coma - Punctuation Mark .

5. Gall Bladder - Bladder of a Girl .

6. Genes - Blue Denim.

7. Labour Pain - Hurt at Work .

8. Liposuction - A French Kiss .

9. Ultrasound - Radical Sound that is above human hearing capacity, such as wife's talk.

10. Cardiology - Advanced Study of Playing Cards .....

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11. dyspepsia : difficulty in drinking pepsi.

12. Chicken Pox- A Non-Veg. continental dish.

13. CT Scan: Test for identifying person's city

14. Radiology- the study of how Radio works

15. Parotitis : information about the parrots

ULTIMATE-------!!!!!!

16. Urology: the study of european people

I died laughing!

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We need more contributions from the Worldwideans for our monthly magazine, to make it interesting. We don’t want to fill the magazine with excerpted articles or info which is available everywhere in the media. So we need your involvement in the same to make it interesting. For example, it could be any of the following:

1) It happened to me – any real life experience (could be funny or inspirational or eye-opener to others)

2) Drawings / paintings from employee or children 3) Cooking recipies from Mrs WWians (why, it could be from Mr WWian also) 4) Jokes or humorous articles 5) Handy tips for everyday

These could be in English, Tamil or Hindi. Please try to provide typed version if possible. We wish to announce a small competition on any of the following topics.

1) My favourite film song – why? (Tamil or Hindi) 2) My favourite Top 10 films of all times – with a small write up (Tamil or Hindi) 3) My favourite tourist spot (English)

Please send your contributions before 20th of August, to info@go2wwl.com We will select the best entries and each would be rewarded suitably.

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