Rich and Poor

1. ॐ पूर्णमदः पूर्णमिदं पूर्णात्पूर्णमुदच्यते । पूर्णस्य पूर्णमादाय पूर्णमेवावशिष्यते ॥ ॐ शान्तिः शान्तिः शान्तिः ॥ 
2. Rich and Poor are Relative Terms. Forbes may list some top rich people on there website/magzine, but they may not be a Functional Rich for me or some one else in the poor world. 
3. A beggar on road, if becomes customer of a tea vendor, hotel, then he/she will be the functional rich for the Vendor, then the person with fat salary and bank balance. 
4. In a family the earning incomer who bears the day to day costs, is the Functional Rich man, while not some one else. 
5. In same way, a business has investors and customers that become part of the Revenue Centre and they gets the Commanding position. While the Cost Centres works as supportive team of the Revenue Centre and they are on the risks to get Fired or act as a slave. 
6. In a healthy society, gaps between rich and poor is very narrow while in a Greedy and unhealthy society the gaps are wide. 
7. Money alone cannot make some one Rich. Good wisdom is also very important. 
8. Cash in hand is easily deliverble then the cash in bank. Many times when the debit or credit card of a person with good bank balance, doesn't works, he/she has to act like a beggar. 
9. Tax payers and Domestic-International customers and Investors, Farm and Factory producers are the Revenue centre of a Country.
10. Country is like a Bus and the Administrator like the Driver. A good skilled driver and the bus in the proper working condition with enough fuel, makes the purposeful journey. 
11. Elections may change the Driver, but the Bus remains the same. So elections often act as the Cost Centre. 
12. Clever and Intelligent people lived good life even during the Mughal and British period of India's administration. Size of the Independent India, got reduced from what it was under the British rule. Then War with Pakistan and China further reduced its Size. India has progressed a lot under different political regimes. The current administration is driving the train, built by the britishers, but with reduced bogie and increased passengers. Costly elections changes the drivers, but not the condition of the train. 
13. Holistic economic policies, easy financial inclusions and cutting the Costs in administrations and bureaucracy will help every one. 

Traps of Life

1. The Lives on Earth are in different traps.  Examples are, Economic traps, Social positional traps, Gravitational traps-or the traps of physical forces!, Body (Species, genetic makeup, Health & Nutrition) based traps, Place/Location based traps, Administrative legal traps, Income-expenses and debt traps, magician's illusionary trick trap, War traps, Addiction traps, etc.
2. Some traps are very pleasant/high fortune while some are very unpleasant/low fortune. 
3. Humans with there power of intelligence are able to build a favourable traps for themselves. 
4. With varying levels of intelligence in the Humans, some create selfish favourable traps, while some remains in the unfavourable traps for a long time. 
5. With proper healthy life & nutrition, knowledge and intelligence, purchasing powers, proper accounting & budgeting, Plannings and executings the plans at the proper times, helps people to move towards the pleasant traps. 
6. Divine and the Administrative legal supports, too helps to enjoy a better fortune. 
7. Death helps to get out of the trap of Life! People in dirty/torturous life, desires death! While those in the traps of happiness, desires prolonged life (महामृत्युंजयमंत्र)!
8. Positive contacts and environments helps to get out of the Negative ones. (ॐ असतो मा सद्गमय । तमसो मा ज्योतिर्गमय।मृत्योर्मा अमृतं गमय।ॐ शान्तिः शान्तिः शान्तिः॥)
9. The Theories of Karma is also based on it. 
10. In traps like prisons/hijacks, bail-out money & army intervention, helps to get "freedom".
11. In traps like diseases, better nutrition and medication along with necessary surgeries, helps to get out of it. 
12. In traps like poverty, financial inclusions, better liquidity supports, and necessary skill-upgrade (entrepreneurship development) trainings, helps. 
13. Traps of मोह (attachment) and माया (illusion) can be cut by the sword of Wisdom and Knowledge. Lord Krishna in Gita, talks about it.

Relationships

 

Cooperation ←----------Tug of war-----------→ Competition
Love	Hatreds
Attachments	Detachments
Understandings Faith-often blind!	Misunderstandings Doubts
Mutual Respect	Conflicts
Symbiosis	Parasitism & Predations
Compromises	Negotiations
Transparency	Secrecy
Selflessness	Selfishness
Fair/Neutral/Impartial Humbleness	Partial/Divide & Rule/ Pride & Prejudice
Truth	Lie
Peace Harmony	Discord Anger & Violence

Faith & Philosophies

 

Markets

"कबीरा खड़ा बाजार में, मांगत सब की खैर। न काहु से दोस्ती, न काहु से बैर ।।"

Kabira Das says that we all stands in a Market and should want welfare of everyone. We should avoid friendship or enmity with anyone.  

Few Markets that I have seen and experienced are:

1. Highly organized markets:

• Modern Retail shops in which corporate are involved. They are highly competitive and well equipped with all modern facilities. They are fast in adopting new technologies.
• Stock and equity markets: Helpful in developing the equity funded business. Very fast in adopting new technologies. Have started including the low incomer intellectuals.
  Innovation: Easy merger and acquisition laws to facilitate the flow of capital between High capital and very low capital and debt-trapped business.
• Organized agricultural market: The market is owned by a benevolent Government Farmers and traders get registration numbers and a stall. There are officials and security guard to monitor the trade and price. Farmers and traders get free transport facility in Government transport system.
• Government supply of Ration and kerosene at subsidized rate.
• Small/Monopolistic shops and general stores. 

2. Unorganized squatting markets with poor infrastructures: The market is owned by private land lords. Farmers and traders occupy there place on chance and opportunity grasping basis. A person is allotted for revenue collection.
   Innovation: Here I feel that the ticketing system like that in Indian railway will be good. Government and corporate may try to take these business.

2. Moving Markets:

• Organized: Business in airplane, ships, train and bus.
• Semi organized: Business through vehicles like cycle, 4 wheeled carts, tempo, bus and general and sleeper compartments of Indian railway.  
  
  
• Human Walking and/or with Horse, Bull, Cycle/Motorcycle/2&4 wheelers, boat Market
• Sales man+/Delivery man: Items like grocery, Jewelery, fashion items, cloth, toy, tea, snacks (biscuit, samosa, chops), egg, Pani Puri (Gup-chup), ice cream, chana chur, fruits, sprouts, milk, curd, fried items, idli,vada, date palms, noodles, sugarcane juice, lemon water, litti, etc., animals like goat and chicken, “Bageri” (a wild bird, considered as agricultural pest, caught and killed for meat), dove, fish, Medicines, animal fodder, LPG cylinders, courier, parcel, passengers, bills, water, financial services, news papers and magazines, etc.
• Service man: Hair cut and shaving, body massaging, head massaging, ear cleaning, labor, job hunters, sales man repair works, pest control and insecticide spray,,mantra-tantra, entertainment (artist, jokers, snake charmer, monkey dancers, orators, singers, magic), scavenging, cleaning, putting wax/grease in vehicle, astrology, compounder, nursing, beggars and begging, pick pocketing, rat catcher, moving honey bee farming, detective works, security guards, drivers, cooks, tourist guide, Astrologers, Physicians, Campaigners for a politician and a party, missionaries, teachers, tent/stage makers, buyers (of scraps, old newspapers and magazines), photographer, video recorder, Artificial insemination, electrical service. etc.   
• Innovation: Better organization based on bio-metric registration.

3. A property market: 

• Currently it is highly formality based, taking good time.
• In a rural/semi rural property market, Mohri (Registrar) is the key official involved in transfer of property title from one person to another. He may demand Rs.30,000 to 40,000 for his work. Other officials are Ameen (Land mapper), Land revenue collector, etc. Ameen may demand Rs.800-1000 for his one day work.
• The property trade occurs at the district office.
• Official costs in a Property trade is not based on the size of the land but on the piece of work in a given date. In general, official and other costs in land transfer on per meter square basis is 18 %. While the rest 82 % is what the seller gets from the buyer. Price of my property sold in year 2014-15 was at a price of Rs.1,300/square meter.
• Few (3-5) people are required to be present with there voter ID, Aadhaar card, etc. to become witness of the trade. Bio-metric procedures are also involved.
• At final stage an official asks about the settled land price, reason for the property sale and whether the seller has received the money or not. After he/she gets satisfied, the trade is recorded in a computer.
• The procedures take around one full day. 3 months time period is given for confirming the trade and after that the final land documents are prepared. After that the land buyer has to go for getting the “Dakhil Kharij” papers, after which he/she becomes eligible for paying the land revenue for his/her purchased land, which is around Rs.50/year. 
• Innovation: On line property trade, like that of a shares, or like a on line-birth reservation in railway, will provide liquidity and convenience to the traders.  
• What if more than one inheritor claims right on an ancestral (dead/old/diseased relative's) property? Since money is important, all those who wants to get fresh land tax receipt, should be allowed to get it and should also be allowed to sell that property. But information about all those individually paying tax for a property, desiring to sell and getting first hand on selling, should be mentioned in the website. Why the Government should be worried about the problems in a family and among the inheritors? They should work on problems which is reported to them and not worry about the anticipated problems. In Ramayan, Ravan could govern Lanka, as his brother Kumbhkaron use to sleep for most of the time.

Land transgression and 2-3 lines of control

This is highly complicated and stressful issue. Involving severe violence, police and court cases. Indian philosophers have said about " वीर भोग्य वसुंधरा " strong people enjoy the taste of this life on earth. Local proverbs says-जड़, जोड़ू, जमीन (Assets, Wife, Land) etc. requires proper single control (Lord Ram is preferred over Lord Krishna).

Let us see the example of Indian railway- Often we book ticket but when we travel on our seat with a confirmed ticket, many people tries to capture/share our seat/birth. Some times we tolerate and sometimes express unhappiness and call TTE (Train ticket collector) and railway police. The situation is very bad when we have a wait-listed ticket or general or no ticket. 

Same thing happens with a property, especially when the property owner dies without properly making a Legal Will.  In this, if the local governments doesn't support you, you may loose your inherited property. Land Inheritance laws depends on region and religion. 

Getting fresh land tax receipt on regular basis shows your claim on inheritance, but if some of your property is in other's control and or in the control of another relatives, or if your faith, profession, etc. deviates, your claim will weaken.  

If you have money, you can take support of Ameen, police or a lawyer, but if you are a pauper and in some debt traps, only God can save you. 

4. Print and Electronic Markets:

• Here Print media like newspapers,magazines and electronic media like radio and Television are used. Simple and smart phones are used for communications. Proper power and electricity supply are required.
• Smart phones and computer with Internet, speakers, camera, microphone and other accessories are required. Comfort and convenience are high but initial fixed and later recurring costs are also high. Few people have the required knowledge and facility. Though they are good source for knowledge transfer and entertainments. But use of digital wold merely for entertainment and senseless debates will kill its importance. Chances of cheating and dragging into traps are also very high. Competition is fierce and those with poor infrastructure cannot survive.
  Abhorrence towards people in struggling phase for loan and job, no financial support to people with poor credit score, financial and time based targets by telecommunication company, Banks levying fees for its financial services and fine for not maintaining proper bank balance, high targets by Google ad sense for its publishers, etc. are current challenges.
  Innovation: Easy financial support, technical supports, proper consultancy, e-governance for problem solving and trade facilitation should be there. Cases of cheating, trapping, luring, should be noticed and solved. 

Fire and Digestion

Religion says that Fire is a God that eats many thing. Science considers it a form of heat+/light energy.

Burning of different things/ materials produce different forms of heat, light, ash and smell.

From our common days experience, we find that Shisham (Dalbergia sisoo), Mango, Bamboo, Cow dung cake, leaf litter, coal, Petroleum and Bio Gas, etc. to be a good source of fire.

We also burn Dhoop, Agarbatti, Camphor, etc. that produce good pleasing fragrance. While burning of plastic, tyre, flesh, Chili, tobacco, Chemical based mosquito coils, etc. produce unpleasant experience.

There are some religious place and Samadhi of some deceased leaders, martyrs, etc. where fire is lit continuously for all days and years.

Like our burning experience, eating/consumption of different type of foods, produce different moods, thoughts, emotions, actions, disease, etc. in our body. So there are emphasis on different forms of Yoga, exercise, breathing practices (Pranayaam), Singing, chanting God's name, Reading, writing, brain storming, shopping, works of philanthropy, etc. to get better fate, feelings and health.

रीगा चीनी मिल

रीगा चीनी मिल के प्रबंधन की समस्या है कि, चीनी का बाजार भाव, लागत के दाम से कम है। गन्ना और मजदुरी का मुल्य बढ़ा है, पर उस अनुपात में चीनी का मुल्य नहीं! रीगा चीनी मिल के शेयर (हिस्सेदारी) का दाम भी बहुत कम है। कंपनी पर कर्ज बोझ भी काफी अधीक है। शेयर का वर्तमान दाम, मूल दाम से कम होना, दर्शाति है कि कंपनी निवेशकों का मन/भरोसा नहीं जीत पा रही है। पर मेरी जानकारी में, सीतामढ़ी का यह एक मात्र कंपनी है, जिसका शेयर बाॅम्बे स्टौक एक्सचेंज पर है। और यह किसान, मजदुर से जुड़ी कंपनी है, इस लिये मुझे इस से काफी उम्मीद है।

सुना था कि, कंपनी किसान को गन्ने का मुल्य में, पैसे के बदले, चीनी दे रही है । इसका एक और समाधान है कि कंपनी किसान को गन्ने का मुल्य और मजदुर को मजदुरी के कुछ पैसे के साथ, कुछ शेयर दे । शेयर का अंकित मूल्य (Face value) और वर्तमान दाम (Market value) में जो ज्यादा हो, वही खर्चे का निपटारा में लागु हो । डीमैट खाता का प्रबंध बैंक या कंपनी स्वयं कर सकती है।

वैसे तो शेयर बाजार में बुद्धी के प्रयोग की प्रबलता है, पर मेरा यह भी मानना है कि भावनात्मक रूप से हर व्यक्ति को अपने क्षेत्र की कंपनी का कुछ शेयर लेना चाहिये।

चीनी का दाम, लागत से कम क्यों है ?

• चीनी का मुल्य, सरकार द्वारा नियंत्रित है।
• कुछ कंपनी, कम लागत में चीनी बना कर, सीतामढ़ी के बाजार में बेच पा रही है।
• दुसरे देशों से/में भी चीनी का आयात/निर्यात होता है।
• किसान को गन्ने का सही मुल्य नहीं मिलने पर वें दुसरे फसल, जैसे कि धान, सब्जी, की खेती करेंगे। गन्ने को मिल को न देकर वे गुड़ उत्पादन या शर्बत बनाने -बेचने में लगा सकती है।
• मजदुर को अच्छी मजदुरी न मिलने पर पलायण बढ़ेगा, और सरकार को समर्थन/वोट घटेगा और कलह/अराजकता बढ़ेगा।
  
  

सरकार के समर्थन के कारण, कंपनी को काफी ऋण मिली है, और मिल रही है। इस लिये इस कंपनी को निवेशकों का मन जीतने की इच्छा भी नहीं है। सरकार या तो इसका ऋण माफ कर देगी, या इसे ऋण चुकाने के लायक बना देगी!