**Requirement**: we need the central control over settings.xml for some portion of it for example mirror configuration 

and some of the sections needs to be user specific [for example: credentials]

So the idea is to put the common settings.xml under source control (for example: svn) and configure parent pom so that it can take the common settings.xml at location (for example `${user.home}/abc/def/settings.xml`)

and we need to include user specific settings.xml for some of the user specific things