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ALL INDIA BHARAT SANCHAR NIGAM LTD. EXECUTIVES' ASSOCIATION

  Central Headquarters, New Delhi (India) 

 (E-Mail to GS :prahladrai@bsnl.co.in & gsaibsnlea@gmail.com)

Last updated:- Tuesday, July 12, 2011 09:58:37 PM                                                     

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31-01-2008:-  General Body Meeting of Kalyan District Branch GS, President & Org. Secretary (W) attended & addressed the General Body Meeting of Kalyan District Branch (Maharashtra Circle) on 31.01.2008. Com. Ramamurti, President, Kalyan Branch welcomed the CHQ Office Bearers & other guests  in the meeting. Com. A.Z. Sayyed, Branch Secretary, Kalyan apprised the activities of the Branch. Com. C.M. Saste, Circle Secretary, Maharashtra Circle discussed the Circle activities. Com. GS & President (CHQ) in their address apprised the status of the All India issues in detail & discussed the viability of BSNL. They call upon the members to participate in the indefinite strike call given by Joint Forum. Com. GS also appraised the discussions taking place in the joint Committee constituted to discuss the effect of MT RR induction at STS level.

Com. Rajapure, Secy. TEAM, MTNL Mumbai, Com. V.P. Kulkani, Branch Secy., Nasik, Com. Bhonsle, Branch Secy. & Branch President, Pune, Com. Siddique from Telecom Factory, Branch President & Branch Secy. Rajgarh  were also attended the meeting. The elections of the Branch were also conducted in the meeting. In the interactive session Com. GS replied all the queries made by the members. A Large number of members attended the meeting.

31-01-2008:- We deeply regret and condole the death of Sri S S Das ACS, AIBSNLEA Assam Circle and SDE Phones Silchar (Assam) due to Bus accident on 29/01/2008 at 3.00 AM . We pray in god to rest his soul in peace and strength to bereaved family to overcome the grief.
30-01-2007:- CONGRATULATIONS COMRADES ! CABINET HAS APPROVED-  merging a portion of IDA equal to 50% of the existing basic pay in respect of employees in CPSEs following IDA pattern of pay scales at 1997 levels in case of Board level/below board level executives and non-unionized supervisors, with the basic pay of the employees w.e.from 1.1.2007..... Click Here for Cabinet Decision
30-01-2007:- DPC for regularisation of 67 adhoc SDE(C) and promotion of 70 JTO(C) to regular SDE(C) was done on 29.01.2008 & DPC for promotion from SDE(C) to EE(C) is under process.
29-01-2007:- GS & GS SNEA met Shri R Bandhopadhyay Spl. Secy (Telecom) and requested him to give clearance to BSNL to operate TES Group 'B' officers seniority lists no. 4 & 5 to fill up about 3000 vacant DEs posts by promoting eligible SDEs (Telecom). SST assured to discuss the matter with DDG (Estt) & DDG (LA) at the earliest.
29-01-2008:- GS & GS SNEA met Shri Gopal Das, Director (HRD) & discussed:-

(a) Filling up of the vacant DEs posts:- We expressed our serious concern against non filling of about 3000 vacant DEs posts. Dir (HRD) informed that he has already taken up the matter with DOT for clearance to operate TES Group 'B' officers seniority lists no. 4 & 5 to fill up the vacant DEs posts & assured that he will again talk to the concern officers in DOT.

(b) Review of transfer policy issued recently:- We informed that United Forum has already submitted its suggestions to review the BSNL Executives transfer Policy issued recently & requested to make necessary modifications at the earliest. Dir (HRD) immediately directed to DDG (Restructuring) to hold a meeting with the representatives of UF on Monday 4th Feb 2008 and thereafter matter can be discussed with him for modifications, if needed.

29-01-2008:- CMD BSNL invited GS AIBSNLEA to discuss the issues raised in notice served by Joint Forum for indefinite strike w.e.f. 26th Feb 2008 i.e.

(a) VRS in BSNL:- CMD informed that we have already clarified that presently there is no proposal to bring VRS in BSNL. We asked for the reason the issue is raised that till date Govt. has not clarified the position in this matter.

(b) IPO of BSNL:- CMD BSNL clarified that Hon'ble MOC&IT has already told that at present there is no proposal to bring IPO of BSNL. We reacted even after the clarification given by Hon'ble MOC&IT your good self has told to media during your Kolkata visit that BSNL may require IPO in future has caused panic. CMD further clarified that in response to the media he clearly told that at present there is no proposal of BSNL IPO but in future it may require as per need. We categorically told that since BSNL has more than 40,000 crores reserve fund, where is the need of IPO of BSNL. We clearly told that BSNL Executives cannot be the silent spectators against the wrong policies of the Govt. which are adversely affecting the viability of BSNL.

(c) GSM Lines 2G & 3G:-  We expressed our serious concern against non availability of GSM lines equipment in most of the circles of Southern/ Eastern/ Northern Regions e.g. in Southern region M/s Nortel & M/s Motorala has not accepted APO to supply 5 millions GSM Line equipments, alternative arrangement is immediately required. CMD informed that M/s ITI vender in Eastern Region is being asked to supply GSM equipment to Southern regions also.

In all above issues CMD appealed to reconsider the decision of indefinite strike call given by Joint Forum. We clarified that till the time Govt. do not give proper assurances decision cannot be reviewed.

29-01-2008:- BSNL issued list of Five SDEs for Deputation to TCIL Click Here for List

29-01-2008:- GS writes to Sh. Kuldeep Goyal, Chairman-Cum-Managing Director,  3rd Floor, Bharat Sanchar Bhawan, New Delhi regarding Valuation of Perquisites of Accommodation in respect of BSNL Employees- Deduction of Income Tax for the F.Y. 2001-02 to F.Y.2007-08 vide letter No. AIBSNLEA/CHQ/CMD/2007-08 dated: 29th January, 2007 Click Here for Letter

28-01-2008:- West Bengal circle hold its CEC on 19 & 20/01/2008 at community hall, Bhudha P&T Colony Asansol (WB). Glimpses of CEC:  Photo1, ,Photo2, ,Photo3

28-01-2008:- Tamilnadu Circle hold its CEC on 25.1.08 at Chennai. Comrade P. Venugopal AGS (Fin & Accts) and Shri R B Athani Org Secy (South) attended & addressed the meeting. CEC has decided to hold Circle Conference at Chennai on 8th and 9th March 2008.
28-01-2008:- GS, CS UP(East) met Dir (Fin) & discussed:

(a) GSM handset to all executives:- We expressed our resentment against the Dir (Fin) opinion to defer the decision of providing GSM Handset to all Executives who have been sanctioned GSM Telephone Connection. Dir (Fin) assured to look into.

(b) Deduction of Income Tax of Perquisites on BSNL/ Govt. accommodation:- We expressed our serious concern against deduction of Income Tax of perquisites on BSNL/ Govt. accommodation against the current year recovery. We requested to take up the matter with the concern ministry for not treating BSNL/Govt. accommodation rent free & furnished. Also requested to stop the current year recovery with immediate effect. Dir (Fin) assured to look into.

(C) AAO pay fixation case:- We requested for early settlement of AAO pay fixation case. Dir (Fin) informed that the case is being sent to DoT for approval to grant the upgraded pay scale shortly.

(d) Consideration of request transfers of CAOs/ AOs:- We requested to consider all pending request transfers of CAOs/ AOs. Dir (Fin) informed that the matter is under consideration & the request transfers will be issued soon.

24/01/2008:- Joint Forum of BSNL Unions/Associations of Non-Executives and Executives Serves Trade Union notice. The Non-Executives and Executives of BSNL will go on an indefinite strike from 0600 hrs on 26.02.2008. CLICK HERE
24/01/2008:- Scheme and Syllabus for Limited Departmental Comparative Examination for the promotion from JTO (Electrical) to SDE (Electrical) CLICK HERE
24/01/2008:- Limited Departmental Comparative Examination for the promotion from JTO (Civil/Electrical) to SDE (Civil/Electrical) will be held on 27/04/2008. CLICK HERE
22-01-2008:- CMD BSNL invited the representatives of Joint Forum of BSNL Unions/Associations of Non-Executives and Executives to discuss the issues related to viability of BSNL. Director (Finance) ,Director (Operations), DDG (SR) and other senior officers of BSNL were also present in the meeting. Com GS and President represented our Association.
22-01-2008:- BSNL CO issued  orders   for  payment of  revised IDA  rate      78.6 % with effect from 01-01-2008. Click here for order
21-01-2008:-United Forum of BSNL Executives' Associations   writes to  DDG (SR) regarding BSNL Executives’ transfer policy–suggestions for review. Click here for letter
AIBSNLEA served notice to observe PROTEST DAY  on 21st January,2008 by wearing the BLACK BADGES and organizing demonstrations in front of CGMs/GMs/TDMs offices through out the country as per the decision of Joint Forum of BSNL Unions/ Associations of Non-Executives and Executives. To register protest against  the proposed disinvestments of BSNL and on other issues adversely affecting the viability of BSNL. All the Circle/Branch Secretaries and office Bearers are requested to ensure active participation to make the programme successful. Click here for notice
19-01-2008:- CWC AT BANGALORE ON 12 & 13/03/2008:- AIBSNLEA will hold its CENTRAL WORKING COMMITTEE (CHQ) MEETING AND OPEN SESSION at HEBBAR SREE VAISHNAVA SABHA (Sudarshan Kalyan Mantap), ANANDA RAO CIRCLE , MEJASTIC , BANGALORE (0. 5 - 1 KM FROM CITY RAILWAY STATION & BUS STAND) ON 12 & 13th March, 2008.
17-01-2008:-Brief report of United Forum Circle Secretaries/ CHQ Office Bearers meeting held on 7th & 8th Jan, 2008 at Hyderabad (AP). Click here for report
17-01-2008:- Supply of BSNL Executives' Diary 2008:- Few BSNL Executives' Diaries  are available at CHQ. All Circle/ Branch Secretaries are requested to place order at the earliest for procurement.

16-01-2008:-Brief report of the General Secretary placed in the circle secretaries meeting of AIBSNLEA held from 7th to 8th  january,2008 at Hyderabad. Click here for report

16-01-2008:- GS, FS met CMD BSNL and discussed:-

(a) Filling up of vacant STS Group 'A' posts in BSNL:- We extended our thanks for issuing  promotion order of 621 DEs, 363  CAOs promotion orders and starting the process for filling up of vacant EEs (Civil/Elect.) posts  and CAOs posts. We  further requested  to  initiate the DPC process to fill up about 3000 vacant DEs posts. CMD informed that the 621 DEs from  TES Group 'B' seniority  list No. III have been promoted as per the clearance given by DoT. We clarified that since list No. III can be operated for promotions, similarly the list No. IV and V can also be operated to fill up all vacant STS posts. CMD  BSNL assured to look into.  

(b) GSM Handset to all BSNL Executives:- We requested to provide  GSM hand sets to all BSNL Executives who have been sanctioned  GSM service connections as assured earlier  to this Association. We expressed our serious resentment against the  opinion  of Director( F ) to defer the decision in view of financial position of the BSNL.   CMD assured to look into.

(c) Viability of BSNL:-

( I ) Broad band connections- CMD informed that the Broad Band equipment has been received by the Circles and during last two months the target set by the BSNL CO has been achieved. He also assured  that now there will not be scarcity of Broad Band equipment.

(II) GSM Lines:- CMD informed that M/s Erricson has started supplying (13.5 million)  GSM lines  equipment to the Northern and Eastern Region Telecom Circles.  PO for Southern Region for procurement of  5 million GSM lines has been placed to M/s  NORTEL  and fresh tender  is being finalised shortly at Chennai for procurement of    15 million GSM lines. Western Region ITI has been asked to supply the required equipment .  In case  ITI fails to supply, alternative arrangement  will be made.

 (III) IPTV :- We requested  for engaging more pay channels to make BSNL IPTV popular. CMD informed that action is being taken to engage more popular pay channels.

(IV) Insurance scheme on  Land line/GSM/WLL post paid  connections:- We expressed our concern that media/news papers has not given coverage to the insurance scheme on Land LIne/GSM/WLL Post paid connections announced by BSNL  but the BSNL IPO has been given wide coverage. CMD appreciated our fillings  and immediately directed over phone to DDG (Mktg) to gave wide publicity to BSNL insurance scheme and asked our opinion about BSNL IPO. We strongly opposed the decision of IPO and  disinvestment of BSNL. CMD informed that the matter will be discussed in detail in the Joint Forum representatives meeting being arranged on 21-01-2008 at 16.00 hrs.

15-01-2007:- JOINT FORUM MEETING:- The meeting of Joint Forum of BSNL Unions/Associations of Non-Executives and Executives held today to discuss the grave situation due to lack of expansion, development of Telecom services and disinvestment of BSNL etc. The Joint Forum representatives seriously viewed the on going situation and decided to protest strongly against the wrong policies of Govt. which are adversely affecting the viability of BSNL. Joint Forum identified the  following demands i.e. 1. No disinvestment of BSNL  2. No VRS in BSNL  3. Immediate withdrawal of DoT order issued on 16-06-2006 regarding payment of Pension (ensure unconditional payment of Pension)  4. Immediate procurement of GSM lines (2G+3G) equipment , additional  spectrum allocation of  2G and new spectrum allocation of  3G to BSNL 5. Financial Viability of BSNL i.e.(a) Restore ADC (b) Ensure major portion of the USO fund to BSNL (c) Re-imbursement of license Fee  6. Grant of NAVRATNA status to BSNL  and 7. Immediate absorption of ITS Officers in BSNL. Joint Forum has decided to serve a notice of Trade Union Action Programmes in support of the above demands (I) on 24th January, 2008 and holding of Press Conferences at Circle/Branch  levels   (II) PROTEST DAY on 21st January,2008 by wearing Black Badges and holding Demonstration during lunch/closing hours at all Circles/Branches level (III) Indefinite strike with effect from 26-02-2008. Further strategies  will be decided shortly. All the CHQ/Circles/ Branches Office Bearers are requested to ensure successful implementation of the Joint Forum agitational Programmes.
14-01-2008:- Joint Forum of BSNL Unions/Associations of Non-Executives and Executives writes to Shri Kuldeep Goyal  CMD BSNL regarding the grave situations due to lack of expansion and development of BSNL services. Click on-   Page-1  Page-2  Page-3
14-01-2008:- DoT vide No 16-1/2001-STG.II (Part File) dated 03-01-2008 issued  revision of seniority list of TES Group 'B' Officers in compliance of Hon'ble Supreme court judgment dated 26/04/2000 in C.A. No.4339 of 1995-correction in final seniority list. Click here for list-  Page-1  Page-2
12-01-2008:- BSNL Corporate Office Circulated  syllabus/scheme of  Departmental qualifying  for promotion of JTO (Arch) to the grade of SDE (Arch)/AE (Arch) through LDCE. Click here for syllabus/scheme
11.1.2008:- 50% IDA MERGER WITH BASIC:-GS contacted officer in DPE regarding 50% IDA merger with Basic. It is understood that the proposal of 50% IDA merger with Basic recommended by Pay Revision Committee and DPE sent to Ministry of Finance has been cleared. Now the matter will be placed before Cabinet for its approval.
10.1.2008:- Departmental qualifying Examination for promotion of JTO (Arch) to SDE(Arch)- Circulation of Syllabus and Scheme-Click here 
10.1.2008:- EXEMPTION OF MANDATORY TRAINING :- Executive retaining old time bound promotion (Ex. Sr SDE) prior to 1.10.2004 will be exempted from the two weeks training .-Click here
10-01-2008:-GS, President, Vice President-II, AGS (C/E/Arch./TF), AFS,CS Raj and CS Delhi Circle met Sr. DDG (BW) and discussed:-

(a) Mid-session Inter Circle Transfers:-We strongly protested against the transfer orders of SDE (Civil) issued recently in mid-academic session. Sr DDG (BW) assured to look in to.

(b) Filling up of EE (Civil) and SDE (Civil) vacant posts:- Sr. DDG (BW) informed that the DPCs to fill up about 40 vacant  EE (CIvil)  and about 137 (67 Adhoc to  regular+70 Regular) SDE (Civil) posts is under process. Some missing ACRs and vigilance clearance are awaited.  He also provided the list of missing ACRs and vigilance clearance of eligible SDEs (Civil).

(c) Recruitment of JTO (Civil):- Sr. DDG (BW) informed that the justification /proposal for recruitment of executives i.e. JTO and above has been sent to BSNL CO for approval.

10-01-2008:-GS, President, Vice President-II, AGS (C/E/Arch./TF), AFS,CS Raj and CS Delhi Circle met Sr. DDG (E) and discussed:-

(a) Filling up of EE (El) and SDE (E) vacant posts:-Sr. DDG (Elect) informed that the DPC process to fill up vacant EE(E) and SDE (E) posts have been started.

(b) Consideration of pending request Transfers of SDEs/EEs (Elect):- Sr. DDG (Elect) assured that all pending request transfer will be considered in the month of March,2008 along with the promotion order.

09-01-2008:-GS, President, AGS (Engg.), Auditor (CHQ) attended and addressed the  General Body meeting at Hyderabad on 09-01-2008.Com. J. Saibaba CS and Com. M. Narasaiah  President, AP Circle in their  welcome address apprised the organizational activities of AP Circle and discussed the  All India issues. Com. GS, President in their address discussed in  details the status of the All India issues, viability of BSNL  & the resolutions passed in the United Forum of BSNL Executives' Associations meeting. They  called upon to keep ready organizationally for struggle, if the issues  are not settled by the BSNL Management. Com. GS replied  all the queries made by the members in the  interactive  session to their satisfaction. Com. Rajendra Prasad Branch Secretary Hyderabad Telecom District Branch extended vote of thanks. The conference hall of Hotel OM International was Jam-Pack. Click Here for Glimpses=> PHOTO1 PHOTO2 PHOTO3  
08-01-2008:- The United Forum of  BSNL Executives' Associations  in its meet of  Circle Secretaries and CHQ office Bearers  held on 7th & 8th January,2008 at Hyderabad unanimously adopted the resolutions in support of the demands i.e.  immediate Withdrawal of MT RRs and functional promotions on time Bound basis upto SG/JAG as envisaged in terms and conditions of absorption of Group 'B' officers, immediate review of  Executive Transfer Policy, immediate absorption of ITS officers in BSNL and Non filling up of BSNL posts by deputationists on adhoc/Regular basis and settlement of pending issues related to the Executive Promotion Policy etc. Further delay  in settlement of the issues will force United Forum to start Organizational Actions Programmes. Click Here for Glimpses => PHOTO1 PHOTO2 PHOTO3 PHOTO4 PHOTO5
07-01-2008:- THE CHQ OFFICE BEARERS AND CIRCLE SECRETARY MEET AT HYDERBAD:- CHQ OFFICE BEARERS AND CSs OF AIBSNLEA MEET WAS HELD ON 7/1/2008 AT OM INTERNATIONAL HOTEL, HYDERABAD. COM SATHYANARAYANA PRESIDENT PRESIDED OVER THE MEET AND CONDUCTED PROCEEDINGS. COM PRAHLAD RAI GS BRIEFED ABOUT DISCUSSION TOOK PLACE WITH JOINT COMMITTEE. ALL CHQ OFFICE BEARERS AND CSs TOOK PART IN DISCUSSION. COM SAIBABA CS AP CIRCLE WELCOMED THE DELEGATES FOR THE MEETING. Click Here for Glimpses => PHOTO1; PHOTO1 
06-01-2008:- MEETING WITH MOC:- Our Chennai TD Comrades P Udhaysurian CS, met the Hon'ble Minister for Communication and IT Shri A Raja at chennai on 6/1/2008 along with P Santhakumar CP,Com B S Sanjeevan CVP,Com L Sundaraman CWC Member, Com B Ganesan ACS and COM S Madhusudanan ACS and submitted memorandum.He apprised him about the latest developments in BSNL,Absorption of Group 'A' officers and removal of Adhoc etc.  Click here  for memorandum. Glimpses on the occassion : Click here : photo 1; photo 2; photo 3 .
04-01-2008:- MOST URGENT:- BSNL CO has published list of missing ACRs and list of officers untraceable for holding the DPC for the promotion of SDEs to DET(STS) on adhoc basis.  Click here  Note : Concerned CSs are requested to pursue with Circle Administration.
04-01-2008:- The meeting of the Joint Committee of BSNL officers & representatives of United Forum of BSNL Executives Associations continued today. The issues of MT RRs, immediate filling up of vacant STS Group 'A' and 'B' posts, CPSU cadre hierarchy, Executive Transfer Policy  and issues related to improvement in the Executive Promotion Policy etc were discussed in details. BSNL officers  after internal discussions will further held meeting with the representatives of United Forum on 10th January,2008.

04-01-2008:- GS, FS met Director (HRD) ,BSNL  and discussed :-

(a) Joint Committee meeting:- We strongly protested against calling of  the stay particulars of SDEs (Telecom) in the order of their longer stay from all Telecom Circles based on the BSNL Executives’ Transfer Policy issued unilaterally vide letter no. 6-01/2007-Restg. Dated 6th September 2007.This association vide letter no. AIBSNLEA/CHQ/2007-08 dated 24th September 2007 strongly protested & demanded immediate modifications as the BSNL Executives Transfer Policy has been issued ignoring the instructions of DoP&T as well as DOT. The Govt. of India instructions on transfer policy are scientific & logical. Director  (HRD) assured that before issuance of the transfer orders matter will be discussed with the Association.

(b) Consideration of pending request transfers of SDEs/DEs:- We requested for consideration of pending Inter-Circle Transfers  of SDEs/DEs. Director (HRD) assured to look in to.

(c) Withdrawal of ACP benefit given after  01-10-2004:- We requested to withdraw the order issued in this connection. Director (HRD) assured to hold a separate meeting  to discuss the matter at the earliest.

04-01-2008:- We congratulate, our Gujarat Circle organization for the  formal meeting had  with CGMT Gujarat Circle on 2nd January,2008 to discuss the agenda items  and  settlement of the long pending issues. Click her for details
03-01-2008:-The Circle Secretaries & CHQ Office Bearers Meeting notified on 30th Nov,2007 is being held on 7th & 8th Jan,2008 at the same venue (Om International Hotel, Beside Maruti Gardens, Lakdi Ka  Pul, Hyderabad-4 (AP). The agenda will remain the same as notified earlier Click Here for Notice of Postponement & other details
03-01-2008:- The meeting of the Joint Committee of BSNL officers & representatives of United Forum of BSNL Executives Associations held today & discussed the issues of MT RRs, improvement in the Executive Promotion Policy etc. The discussions will continue tomorrow also.
03-01-2008:- GS, President, FS, CS & President Delhi Circle attended & addressed the New Year 2008 Get-To-Gather programme arranged by BSNL CO Circle Branch. Shri Gopal Das, Director (HRD) was the Chief Guest, other senior officers of BSNL CO were also present. AGS SNEA also attended the programme. Com. Circle President welcomed the guests. Com. GS & President greeted all the members on the occasion and expressed their serious concern about viability of BSNL specially delay in procurement of GSM & Broadband equipment and requested to take more important TV Channels for making BSNL IP TV popular. GS also impressed upon for early settlement of the pending important issues. Dir (HRD) in his address assured to look into the matter. Com CS gave vote of thanks. A large number of members attended the programme.
01-01-2008:- GS, President, FS and AFS  greeted Shri Siddhartha Behura on assuming the high office of Chairman TC & Secy DOT. In the informal meeting Secy DOT mentioned that he has told to CMD BSNL to take initiative for  5 to 10 % disinvestment in BSNL to have public share. He also tried to convince the need of disinvestment for better functioning  of BSNL. We strongly opposed the move. In the informal meeting we impressed upon for regularization of Adhoc STS Group 'A' officers in BSNL and to fill up about 3500 vacant STS Group 'A' posts of various disciplines in BSNL. Secy. DoT assured to look in to.

We also met Member (Finance), Member (Technology), AST, JST and other senior officers of DoT on courtesy call. It is understood that the  cabinet memo prepared in DoT regarding absorption of ITS Group 'A' officers in BSNL / MTNL has been sent to Hon'ble MoC for approval, thereafter getting clearance from other concerned Ministries will be sent to cabinet.

01- 01-2008:-   RETIREMENT ON SUPERANNUATIONS IN THE CADRE OF AOs/CAOs/JAG W.E.F 31/12/2007 A/N. WE WISH THEM VERY HAPPY PROSPEROUS RETIRED LIFE- Click here  
01- 01--2008:-   RETIREMENT ON SUPERANNUATIONS IN THE CADRE OF SDE(TELECOM) W.E.F 31/12/2007 A/N. WE WISH THEM VERY HAPPY PROSPEROUS RETIRED LIFE- Click here  
01--01-2008:-   RETIREMENT ON SUPERANNUATIONS IN THE CADRE OF DE (TELECOM) W.E.F 31/12/2007 A/N. WE WISH THEM VERY HAPPY PROSPEROUS RETIRED LIFE- Click here