Sunday, September 2, 2018

Vote Bank Strategy – 18

Continues from previous post –


I recommend some palpable business proposals. They are hospitality, health, manufacturing medicines, manufacturing of various sell-able products, real estate, small shops to sale consumables and warehousing. Actually almost any business activity that the concerned bank can visualize as profitable they can enter. This gives the banks strong and complete control on that business, thereby profitability will be more assured. Officers who will manage them with profit will be rewarded handsomely in addition to their regular salary. Incentives will help make such businesses feasible.
Bank will have their market research department to search out appropriate proposal to invest. Just the way they scrutinize project proposals of clients they will study their own businesses with equal care. Chances of failures will be minimized if bank appoints an honest officer to attain the business. Because, banks are equipped with better money backing they have better chances of survival in competitive market. I visualize, if no interference comes from stakeholders of politicians, this solution will bring banks in safe position. Important point is if banks can do well in self-businesses, they need not bother to search for borrowers. Business is an art and a part luck but modern commercial expertise has reduced chances of failures to a great extend. Therefore, I request you to consider my suggestion and give it a chance by consultation with some banks that are willing to try it. A serious effort required to make it feasible. Many bank officers have shown interest in it.

Continues in the next post –

You may contact me on my Email ID given below,
You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते  

Saturday, August 11, 2018

Vote Bank Strategy – 17

Continues from previous post –

My suggestion comes from this observation. If banks open and manage the business as their fully owned subsidiary and they appoint their able officers to manage the everyday business and all business decisions. There will be no difficulty in making that project feasible and profit making. When banks no more have to beg culpable or crony businesses to borrow, rest of the evil will be automatically avoided.

In view of this brief explanation, I have some suggestions to your honorable self; Sir, Reserve Bank will allow all desiring banks to open their own fully owned enterprises of various types of business activities as their fully owned subsidiaries. Banks will not take any partner in such business excepting for technical assistance.

I recommend some palpable business proposals. They are hospitality, health, manufacturing medicines, manufacturing of various sellable products, real estate, small shops to sale consumables and warehousing. Actually almost any business activity that the concerned bank can visualize as profitable they can enter. This gives the banks strong and complete control on that business, thereby profitability will be more assured. Officers who will manage them with profit will be rewarded handsomely in addition to their regular salary. Incentives will help make such businesses feasible.

Continues in the next post –

You may contact me on my Email ID given below,
You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते 

Tuesday, July 24, 2018

Vote Bank Strategy – 16

Continues from previous post –

I explain my observations here, to make my point clear. At present, banks are dependent for investment of their funds. They depend on somebody to borrow money from them and if that business works well, banks benefit and if things go wrong for whatever cause the bank suffers. We know our bank's have a well-developed technique to verify all such proposals and if bank finds that, the project is acceptable they give loan. However, there are certain aspects those the bank cannot control. They are,
1. Daily managements of the business and
2. Decisions in business
For that, helplessly the bank has to trust that client's working. We have noticed that all bank problems stem out of this one factor. I know of many cases where bank officer begs businesses to take loans from that bank because that officer is obliged to complete certain lending quota. Such helplessness is eventually, misused by some culpable businesses and finally as the business did not actually need that money that loan money is appropriated and this leads to many subsequent wrongs which as you are fully aware leads to bank declaring that loan as write off! A large number of such cases, I have noticed while studying this problem. Many officers have admitted of their helplessness in that matter. Criminal mentality is everywhere, if bank allows for some easy money to such immoral businesses we cannot complain against that business. Matters are hushed up and this leads to ever increasing non-recoverable credits. In addition to that, corruption grows!

Continues in the next post –

You may contact me on my Email ID given below,
You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते 

Monday, July 2, 2018

Vote Bank Strategy – 15

Continues from previous post –

Recently I have sent a letter to our honorable governor of Reserve Bank of India, Mr. Urjeet Patel. In that, I have suggested my idea about how we can save our banks from such predicaments. Below given is my original letter, first we shall read it and them I shall explain other details about my recommendation.

To, Mr. Urjit Patel, Governor,
Reserve Bank of India,
Reserve Bank of India, Head Office building,
Fort Mumbai 100001
April 2, 2018

Honorable Sir,
Subject: suggestion to save Banks from possible debacle

I am a senior citizen (76) depend on interests on my meager investments in FDs in my banks. You are aware that, due to cutthroat reduction in bank interest rates, on all FD A/c, it has become very difficult to end's meet, for retired persons like me. Therefore, I began to think on the problem of bank's survival. We know demonetization has put additional pressure on banks since they have to pay interests to all the money deposited with them. To reduce that pressure government cut interest rates, it is a fight for bank's survival and on other side fight for survival of citizens. There is no point in complaining about what has been done and so I began to study ways and means by which we shall resolve this issue so that both banks as well as depositors can survive without any new problem developing.
Sir, in this connection I want to ask your honorable self, one very pertinent question. This question if you can answer positively, we have the solution for this national problem. My question is, if private business can open a bank to garner funds for their businesses, why a bank cannot open business of its own to invest their funds. If your answer is YES, a bank can open a business to invest its funds appropriately so that the money will grow right under bank's supervision. Then Sir, our problem of Banks not earning enough to pay good interest will be resolved feasibly.
Continues in the next post –
You may contact me on my Email ID given below,
You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते  

Monday, June 11, 2018

Vote Bank Strategy – 14

Continues from previous post –
What proof is to say that fingerprints are not changed? Conditions under what this change is possible are given. I wish to share my personal experience here, a few years back I was suffering from eczema on my fingers. Due to that, blisters would develop on my fingers and the skin become thick. After some time the skin would peel out and new skin appear. On that new skin, there were no fingerprints! Recently a case was spotted in Pune; there an old man of about 80 years was rejected Adhar Card because he did not have fingerprints! Persons in following professions are likely losing fingerprints due to their work, blacksmiths, masons, pot makers (Kumbhar), home servants who clean utensils with brick powder and such abrasives, farmers etc. due to their demanding profession fingerprints are worn out and reappear and again wear out. Supposing the person has to go to give his identity while the fingerprints have worn out, Sir he/she will be denied identity!

All these defects we do not see in face identity. Moreover, there is no possibility that any international monster corporation is interested in them because they are not "linked" with their data cloud. Sir this linking need be studied to get to its roots. It is noticed that even if a person tries to hide his/her identity by facials, our brain computer can detect the face from out of that facial treatment. This unique nature's gift we should use for this purpose and not to indulge in this artificial method that need lot of equipments, up grading of these equipments and much more. We have many cases where police personnel have identified a person from under any facial treatment. Thanks to nature's computer Brain! We can train concerned personnel in this art of detection, which is common practice in police work. One recent inspection has shown that, instrument used to detect fingerprints out of them 35% are defective! Using our brain and with its sixth sense intuition to detect a fraud is more reliable than this mess of electronic gadgetry. This also needs a lot of foreign exchange, which is short with us.

Sir, I have completed my easy and hope that this vital effort will help you get to the nerve of this business of selling identities of Indians to USA corporations. I hope your honorable self has understood the fallibility of this high-tech method.
Continues in the next post –
You may contact me on my Email ID given below,
You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते 

Monday, May 21, 2018

Vote Bank Strategy – 13

Continues from previous post –
To compare conventional photo method to identify a person and this complicated method we observe that this method can make an individual incompetent in living because he/she will be denied his identity due to faulty equipment and other involved factors. Under such eventuality, he/she as well as the intermediate agency (bank, government department, municipality etc.) that does the checking is not able to remedy it. Concerned person is totally divested for no fault of his/her. This is the most important defect in this seemingly perfect method. Whereas, in simple photo method things are very clear, right there the identity is proved without any hurdles. Let me point out to your honorable self that nature has provided one Super powerful computer called our brain, that can do the required identification of the person under study. There is no computer as perfect and as non-fallible as our brain. So far, we depended on this nature's gift for such tests. Moreover, it does not need any particular skill or equipment required to identify that person from the photo provided. However, I admit that the size of photo presently kept on Pan Cards is too small; at least Passport size is provided so that details of the features are clear. They should also use high-resolution camera to take that photo. These are not difficult things and with these small adjustments, we shall have a most infallible tool to identify the person. Government may have to; in place of Adhar Card issue new PanCards on same terms (free) to its citizens with bigger photo. That will replace the old Pan Card with small photo. That shall do the needful for identification however; we see government insists for this half-baked technique. The time has come to ask this government why it so vehemently demands to impose this biometric method and linking everywhere. Following questions arise and government has to explain the need for this high tech method. Why USA has not adopted it for its citizens? It adopts it for foreign nationals

In the list of countries, we see most are poor countries, why so. Nationals from these countries generally migrate to developed countries for jobs. Why USA insists to introduce this biometric to other countries?

Continues in the next post –
You may contact me on my Email ID given below,
You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते 

Monday, April 30, 2018

Vote Bank Strategy – 12

Continues from previous post –

Only an honest inquiry by authentic investigating agency such as CID or CBI or such can show how business of selling this personal data to foreign research labs interests many third world countries such as ours, in promoting this half baked technique. Since the method depends on comparison with many data stored in the database, such agencies often need more such data from other places. This is the reason why many foreign labs who do this test need buy data from other countries. USA needs Indian data to compare foreign entrants in USA. This had developed big business in selling personal data to foreign countries. We already know how personal information from Face Book and Google is sold. Similarly, this data is also sold. Nandan Nilakeni who introduced this method in India, is believed to have earned much money by selling Indian data to such USA labs. Therefore, this business angle must be ascertained before giving this half-baked method permission in our country. The claim that this data is preserved and not available to other countries cannot be proved under this information. India has to share it with other countries such as USA because our nationals are visiting that country. Other countries such as Arabic sheikhdom need our data to ascertain existence of Indians in that country. All this clearly show that this data of personal importance is shared with many countries. Under this situation, how government assures the people that this data is preserved and not given out? To put it straight, Sir, I may say with confidence our government is fooling us by giving that false promise. Therefore, Sir, I do not want your august office to be a part in this crime.


Continues in the next post –
You may contact me on my Email ID given below,

You are invited to visit my other blogs
Ashok Kothare, http://ashokkotharesblog.blogspot.com/ for stories
I reckon, http://kotharesviews.blogspot.com/ for philosophy
You may visit blog, Ideas and tips on any subject, http://kotharay.blogspot.in/ for intelligent discussions.

My Marathi Blog, http://kothare-marathi.blogspot.in/ मला असे वाटते