The Vicious Cycles

1. The results of having debts/liabilities beyond the capacity to repay.
2. The result of forceful and unmatched marriages.
3. The Poor genetic attributes.
4. The result of untimely/ imprudent / harsh speaking /writing/communication 
5. Heritable Diseases
6. Addiction to intoxicants (Drugs, Alcohol, Tobacco products, Opium, Marijuana, etc.).
7. Results of Rape/Molestation and other crimes towards the females and children.
8. Results of Murder
9. Results of other forms of Violence and Crimes.
10. The Poverty. (The Poverty and Misery are expert in breeding themselves!)
11. The results of Criminals becoming the law makers.
12. The weak and idle government.
13. Unemployment and the results of getting into the unsuitable jobs.
14. The results of not getting proper education and employment at proper stage of life.
15. The results of not getting suitable life partner at the proper stage of the life.
16. The results of reproducing a child with poor character and/or poor Health and/or poor intelligence.
17. The results of not getting the parental love and care.
18. The increasing gap between the Rich and the Poor; Successful and the Failures; Educated and the Uneducated.
19. The poor judicial system.
20. The result of disturbing the ecological balance and biodiversity. 
21. The result of neglecting the environmental issues.
22. The results of fanaticism, mass madness and maniacism
23. The result of not having proper investment at proper time.
24. The result of some of the lies and communication gaps. 
25. The result of undisciplined sexual relationships (multi relation, polygamy, etc.) or no ethical sexual relationship.
26. The result of being unable to serve the parents/guardians, especially when they near their death (unable to become Suputra). 
27. Being unable to get out of your probation period in the organisation, before being fired, and landing in another job-again in probation period!

Money: Convenience and Risks

Cash	ATM Debit Card
1.      Most liquid under the economic regime in which it has been issued.	1.      Liquidity in the presence and easy access of ATM Machine (filled with money, working in good condition) and your remembrance of the PIN number and being of the Debit card in good condition.
2.      Risks in carrying is (1) Loosing due to absent mindedness, torn pocket, etc.(2) Theft and looting (3)Spoilage of the cash	2.      Risks in carrying is (1) Loosing due to absent mindedness, torn pocket, etc. (2) Forgetting the PIN number. (3)Damage of the card. (4) Lost of the card in the ATM machine. (4) Some one else getting access of the card and the PIN
3.      Risk is limited to the amount present in the pocket/purse/bag etc.	3.      If some one else gets access of the Card and the PIN, the risk involves the emptying of the whole money in the account.
4.      Uneducated person can carry it.	4.      Using it requires some basic education
5.      Physically challenged persons can carry it.	5.      Physically challenged persons like blind cannot personally use it.
6.      Changes of small amounts have many applications.	6.      Getting changes of small amounts is not possible.
7.      It does not provides convenience in carrying, especially the larger amount.	7.      It provides more convenience in carrying.

What should be done to enhance the security in using the ATM Machines (Apart from the secret PIN number)?

1.      Security and Convenience are indirectly related to each other.

2.      It is important to Personalize the Security associated with the use of the ATM cards. Security should be optional as per the user’s need.

3.      Use of computerized and networked Biometric checks at the ATM machine can be thought of.

4.      Restrictions in one time withdrawal of amount, as in the case of amount transfer in internet banking. 

5.      Before drawing the money, especially larger amount, sending of Voice message+/Text SMS to the bank, communicating the purpose of withdrawing the money. The Voice ID of the customer should be maintained at the centralized server of the bank.

6.      Compulsorily having hidden video cameras at the ATM, and at the request of the customer, based on the requirement, the video clip of the transaction from his/her account should be provided along with the time of the transaction.

7.      Unauthorized ATM transaction from the other person’s account should be made a strong criminal offence, with severe punishment.

8.      The ATM facility should reach the nook and corner of the country and its numbers should be adequate.

9.      It should be compulsory for all banks to send the details of all transactions through email, and mobile SMS.

10.  A cheap and easy partial alternative of the ATM cards is Multi city cheque books, payable at par at all the branches of the bank. Like ATMs, i.e. a person can withdraw money from the ATMs of another banks, it should be possible to withdraw money by submission of cheques of any nationalized bank in any of the Core banked branch of the any nationalized bank (i.e. I can withdraw money from say State bank of India’s branch, by submitting the cheque of Yes bank, without having account in SBI and having account in the Yes bank. SBI has largest number of branches and Yes bank has very few branches!).   

      A “Payable at Par at any Bank and any Branch” Cheque should be launched by the banks.              

Importance of Chinese Economy

1. The low cost Chinese mobile phones made even the poorest Indian to enjoy the benefits of the phone.


2. Chinese manufacturers understand the needs of the Indian consumer in a better way. The four SIM and dual SIM Chinese mobile phones allow the Indians to cut their Roaming costs and simultaneously enjoy the service of more mobile networks.

3. Chinese mobile phones are also coming with the facility to see Television programs.

4. The cheaper laptops and other computer hardware produced by the Chinese have helped the middle class Indians to own the Computers and Laptops.

5. The Chinese Radios have very low cost and more applications. It has helped in better penetration and utilization of the Radio networks in the country.

6. The poor Indian children can get the Chinese toys at very low cost.

7. The Chinese Solar Lanterns and Cycles are also helping the Indians to cut their Energy costs.

8. The Chinese have positively revolutionized the Bamboo Industry.

9. Many Indians and Nepalese earn their livelihood by selling the Chinese products at fairly good margin and at the satisfaction of the Customers.

10. The Chinese have better penetration in the affairs of the South Asian counties and can influence the policies of these countries to its own benefits.

11. Chinese are better traders (High Volume Low Cost) and good competitors in the International Trade.

12. China keeps on embarrassing the Indian policy makers, and sometimes also gives pleasant surprises to them.

13. China has an important role in promoting the Internal and External threats of India.

Also See My earlier view on China-Tibet

What I hate most in India

1. Many Indians don’t have habit of sanitizing their hand (with soap) after using it for cleaning the buttock and nearby regions, after defecation. Most of the Indians are resistant to Euscherichia coli! 
2. Don’t have the habit to sanitize their hand in general.
3. Habit of using dirty/filthy words related to mother, sister and daughter during the communication.
4. Not cutting and cleaning the nails of the fingers.
5. Biting the nail, cleaning the teeth with nail and then smelling the finger.
6. The caste and latest religion based reservation system in government jobs and education systems, then that based on the Socio economic factors.
7. No proper policy for the “Migrating Citizen of India”, especially in relation to their voting rights. (My previous view on Migrating Citizen of India) 
8. Many voters vote on the basis of symbols of the party, but donot know about the person for whom they are voting.
9. No direct participation of people in selecting their President.

10. Dipping hand and dirty glass or jugs in water containers to serve water. 
11. Competitive exams: Many appearing for very few posts: People wasting their academic/ professional years and money in preparing for some prestigious competitive exams, just on hope but not strong in surety. 
12. Eve teasing, Molestation, rape of females and minors.
13. People associating sexual intercourse for fun and not associating responsibilities with it. Reproducing without having enough capability to nurture and take care of the child.
14. Extravagant parties of rich, in which Alcohol, Meat and Smoke are served and erotic songs/videos are played and dances are performed.
15. Putting sandals/shoes on seats of train, fans of train in fear that it will get thefted/misplaced.
16. No tongue cleaning after brushing the teeth and not at all brushing the teeth.
17. Selling of porn books in open market along with the text books and religious books. Similarly the selling up of the porn CDs/DVDs in the open market.
18. Marketing of condoms/sex related products with porn pictures in open market and public places.
19. Seeing the thrown (no proper disposal) used condoms at public places like bus stand, railway stations, parks, children’s playground, offices, etc. Similarly, no proper disposal of women’s sanitation’s used products.
20. Habit of smoking at public places and chewing gutkha.
21. Not cleaning the hands after using it for cleaning the nose.
22. Lighting the bulbs during the day time, not switching off the Air Conditioner/Cooler, Fan etc. while leaving the room. Thefting of electricity.
23. Many people without proper food supply, clothing and accommodation.
24. Loosing the love towards animals and plants.
25. People living in hype and hypocrisy, taking decisions to impress or demoralize others.
26. The habit of washing hand in plate after eating.
27. Washing dirty plates by dipping them in a container with limited and almost dirty water and then wiping them with a cloth (dirty in most cases!). Here the chances of eating dirt and filth are very common.       [It is important to teach and demonstrate people how to maintain health, hygiene and sanitation with limited quantity/supply of water. It is very difficult to get water at many places.]
28. Sleeping on bed without removing the shoes.
29.  The habit of asking ,"What is your salary?", then "What is your educational qualification?" and at some places, "What is your caste?"
30. Many milkmen inject Oxytocin to their milch cow and buffalo before milking. They don’t bother about the suffering of the animal but bothers about the yield and profit. (In one programme of India TV, it was shown that the Oxytocin is even being injected in the fruits and vegetables to increase its size, but on the cost of the health of the consumers!)
31. Drinking water by putting the brim of tumbler/glass in the mouth or putting the neck of water bottle inside the mouth. This restricts the other people from sharing the same glass or bottle. 
32. Throwing of food in dustbin: Many people, especially those staying in upper portions of the flat, finds it convenient in throwing the remaining food material in the dustbin/wash basin than giving it to the hungry animals (dogs, cattle, cat, birds, squirrel, etc.) 
33. Ministry of information technology is helpless in controlling the internet from being flooded with the porn and erotic contents (Videos, Audios, writings, expressions, icons, etc.)
34. Ministry of communication and broadcasting is helpless in controlling the expression of erotic contents in the foreign TV channels like Fashion TV and promotion of smoking in some channels (I recently show a boy playing with cigarette in the AXN channel.) 
35. Commoditization of females. Masked Advertisements of prostitution in name of Making Friends, Chatting and Massage parlour, etc. in the regional and national newspapers. Many Mobile service providers are also sending such advertisements and web links. 
36. Many newspapers contain semi nude and erotic pictures of the so called “celebrities”. 
37. Corruption from top to bottom in the government organizations. 
38. Many people don’t know how to urinate! While urinating, the urine sprinkles on their legs/shoes and the pant. Many of them do not wash their hand after urinating. The urinals at the public paces and many offices are very dirty and stinking. There is very limited toilet facility for the women at the public places. 
39. The first citizen of the country (President of India) gets good percentage of the shares of the Navratna companies, but the poor citizen of the country has many barriers to get the shares of the profitable companies. 
40. The habit of spitting, especially after eating tobacco and chewing betel leaf at the public places, in the room, and at other unexpected places.
41. There is no law and order at many remote and rural places of the country. 
42. Many food vendors adds prohibited artificial/chemical colors to the food items (Ready to eat, ready to cook, etc.)
43. Some people have the habit to seek debt by telling lie and creating moral pressure and enjoy lavishly with the owed money. 
44. Compromising behavior and negligence of Censor Board of India, as many films which are released for the cinema hall and Indian television are full of indecent scenes, dialogues and scenes. For example the films like Omkara and Ganga Jal contains the plenty of filthy words. 
45. Societies having more concrete buildings and cars than the Trees.
46. Open violation of Animal rights and Wild life Acts: Selling of birds in the cage (e.g., Love birds, Parrot, etc.). The butcher killing the animals, one by one for meat and/or skin, near the fellow animals. The butcher and the meat eaters may not realize that the animals too have feelings and emotions, and they too can curse! But they will have to bear the impact of the negative thoughts/helplessness/pain of the animals being killed or standing in the row to be killed.