Monday, October 29, 2018

Population Explosion - 1

Managing problem of population explosion in our country?

It is noted by all economists that grow of our country is tarnished due to ever increasing population in the country. One economist told me that the rate of growth does not match the rate of population growth. He further told me that, if population of India had become stagnant at year 1974 that means no further increase in population while economic growth continued at the same pace by 2013 India would have become one developed country.

During Congress raj several measures were tried to stop this dangerous growth in population however, not with much success. A study shows that there are several causes for that increase in population. However, as the educational level is improving we note that in some groups of communities having educated the population explosion is controlled. We notice that size of family and economic condition of that family are interrelated. When they control size of the family whatever income of the family, is good enough to feed and upkeep their family.

From this observation, we concluded that there are two types of men. Those who are aware of the fact, that they have to control his family to the size so that he can feed them. These men I call responsible citizens and those who go on adding to population without consideration of whether he can feed them or not, are called irresponsible citizens.

There are several reasons why they continue to add children whom they cannot feed. One is the age old concept of continuation of family line. There are those who go on trying to produce daughters until they get male child. Most people in this irresponsible category are from illiterate and extremely poor class. They produce children and put them on street so that these innocent children are beggars. Moreover, their irresponsible father is ever ready to produce next baby. In this case, we notice that mothers have no role to play since these irresponsible men actually rape their women to produce children whom they cannot look after. Women are actually other victims along with their children. Some irresponsible religious groups instigate these irresponsible men to continue to produce children as that increases the count of that religion population in the country. At the same time, these so-called religious groups do not want to feed those innocent children. Therefore, I consider these religious groups as irresponsible groups. Therefore, here we notice that we have irresponsible men and religious groups who cause increase in population of our country.

Our present day government is making plans to feed these innocent children out of tax money they forcibly collect from responsible citizens as mentioned in earlier part of this article. More and more taxes we have to pay out of our meager personal incomes. Since they are taxes, we have to pay them. In a way, responsible citizens are being exploited to feed unwanted progeny of these irresponsible citizens.

Erstwhile congress government had taken many measures to introduce various ways to control population but they could not become successful since the very aim of these irresponsible men is to produce children. I have noticed that in most cases they proudly tell that they have produced so many children.

This subject shall continue in the next post. Continue to read and if possible give you feedbacks so I may improve in this attempt to bring awareness in our people. This I say, because after careful study I found that most of our country's problems are related to this population explosion.

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, October 1, 2018

Vote Bank Strategy – 19

Continues from previous post –

We know general profit margins are of the order of 15% to 30% on most items. This assures the bank a handsome earning. When this can be achieved, the bank can afford-ably offer 12% interest on its term and fix deposits to small depositors like me.

Sir, to conclude I say you are under duress because of present bank position. Recently, I read that big businesses are trying to help RBI in these matters. However, I can say with confidence that this situation would not arise had banks accepted the suggestion I have visualized. After thorough study of this suggestion with my bank officer friends, I am writing this letter with many hopes. Please, give my suggestion attention that it merits and salvage our banks from present predicament. Hope to get your reply, God Bless.

Yours truly,




Ashok S. Kothare 

From next post experiments in banking reforms will be discussed.

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