subscriptions thoughts

Strike Back

When someone provokes you,

Strike back.

When someone humiliates you,

Strike back.

When someone mocks at you ,

Strike back.

When someone scorns at you,

Strike back.

When someone cheats you,

Strike back.

When someone lets you down,

Strike back.

When someone speaks ill of you,

Strike back.

When someone talks at the back of you,

Strike back.

When someone bullies you,

Strike back.

When someone belies you,

Strike back.

When someone oppresses you,

Strike back.

When someone throws at you in rage,

Strike back.

If not , you will end up ,

In a tight spot.


In Digression

Digression  is turning aside,  is a diversion from the main highway,and  deflection from the goal.

The world is in digression. It is clueless. It is unaware of where it is heading too. The dilemma is a  specific issue ,which is depressing the community at large.

The politicians speak emphatically but deviate from the prescribed path. Their harangue is dubious. Apparent relevance is something that deluges the mind , but in depth confirmation is practically nil.

The bureaucrats eloquence is highly impressive , but virtually lead us nowhere.Their policies seem to be informative externally but carry no sense when read deep through.

The education imparted looks to be of high calibre , and extremely knowledgeable,The prescribed syllabus feign favourable quality , but in real it is  worthless symptom of renewed stimulus., most unwarranted for employment.

The industry professes exceptional growth and valued provisions. The charged progress is but a pretension of the manifested promotion. The fraudulent and greed find an enviable stature in the world of commerce.

The professional set up , comprising of auditors, doctors, solicitors, engineers and teachers are placed in top slot by the society. The decorum they profess, and the registry they maintain talk  ill  of their guarantees.

The family background , the nerve centre of the society looks solemn and sober. The protagonists of the martial made up ,distract their partners, by belittling the proposed norms and disallowing tolerance.

The adult stage ,the most vulnerable formation of life,sounds agog with enjoyment and vigour. The assailable age undergoes a shocking severity and a jolting composure by its extra exposure to the much available addictions.

The wandering from the approved suggestions, and addressed refinements push the global reflections into a detested , demeaning reservoir.

subscriptions thoughts

Story of Raju -A Fairy Tale

A few months back there was a man  who lived like a  Maharajah?  His  style of living excelled the designation of the Emperor of all Emperors.

He  still owns 66 palatial bungalows all over the world. – short of 34 to make a hundred..

He has 1000 suits in his wardrobe—What for?

He has 321 pairs of shoes——-  but has  only two feet.

He has a retinue of cars  ————-may be uncountable.

He has donated 2 tonnes of gold to various temples—-2000 kilograms , a meagre weight for His Excellency Ramalinga Raju , Maharaja of  Satyam.

Rewinding the scene , back to the 1980’s Ramalinga Raju was a man with  very limited means. He was just another Indian , whom you meet across the street, whom you encounter in the cross roads, and whom you ignore as a passerby.

Raju become a Raja  overnight.He took grounds and built an outsourcing company with shareholder’s money. He made geometric progressions . He  worked out stupendous  business. He kept  the stake holders in the best of humour. He paid them well. They put in their hard earned money into his Satyam computer. They were bewitched by his charm. They were happy with his performance. They further invested in his company. His company grew, so did his personality. His company flourished, so did his wealth. His company spread its wings, so did his rapport. His company rose to the top slot, so did he. He became an Emperor of  the empire built with ordinary people’s funds. 

His rise is amazing. His wealth is alarming. His wardrobe is stunning. His collection of shoes is amusing. His donation to temples is stupefying.His manipulation is extremely disturbing.

His manoeuvre of accounts, his fudging  of details, his rigging of documents, and his sudden disclosure of his misappropriation ,all baffle us and make us gape with an unbelievable stigma.

They lived happily everafter is the normal ending of every faiiry tale.But this particular fairy tale has a different conclusion. Raju and his brother are  behind the bars and will live happily hereafter there.




Economy subscriptions thoughts

Transfer of Debts.

Banking regulations did not allow for trading in debt. This is the Gujarat High court  judgement.

Banks cannot  trade transfer or purchase a pool of non performing asset or bad debt.Thus securitisation loses its meaning. Debt cannot be transferred without the borrower  being  party of the transaction.The court has researched in depth and found out that under section 6 trading in debt is not within the purview of banking company.  The impact is wholesome . The banks cannot ,hereafter simply shed their debt box as dry leaves fall from the tree. They have to carry the bag with them.

Is a loan item of the borrower an asset of a bank or debt of a bank?This has to be studied carefully. From a layman’s point of view the loan of a borrower is a debt not an asset. But the bank’s term the faltering companies as Non performing asset. The situation is little peculiar . How can the banks address a loan as an asset?. So far we have blindly followed the bank’s regulations, The judgement of the Gujarat High court is an eye opener. This will have a retrospective effect too.

Selling a debt to Asset Reconstruction Company will also have a similar reference . The ARCIL is a company formemed by different banks, Its regulations and rules ,as found in their Memorandum ,will also definitely reflect the distinctions as found in Bank’s strictures.

The Supreme court can set aside the judgement, but the ruling of the Gujarat High court is an evolution of a thorough analysis of the laws and formulas that govern the financial institutions.

If the judgement is upheld by the Supreme Court of India, then the entire scenario of Non performing Assets under the DRT, under Securitisation (SARFESI ACT)  wil produce a remarkable challenge to the banks autocratic behaviour. It will a stimulate the depressed industrial dogma , and rejuvenate the dishevelled manufacturing premium .

Times change.  Rules get modified. Profiles undergo moderation. Perceptions get altered. But  true Judgements provide a certainity and a memorable requisite and a required respite.

subscriptions thoughts

The Spiteful Entities

The world has become so small.  The mind of man has also shrunk to a nominal  clature. This syndrome is fortunately unfortunate.

 The modes of travel, the methodsof  of communication, the  symptoms of outsourcing, the opportunities  of business, and the endeavours of education have grown abnormally predicting a close network capable of proximity and progress.. But all these prerogatives, have explicitly unravelled  the narrow perception of man.

The growth external has not shown an inner strength,  has halted an internal spectrum of promotion  and has curtailed the affable outlook.

The basic quality of feigning malice has taken firm roots.It is an extraneous task to kill this instinct.

There are a handful of people ,who show extreme compassion , who  act with sincere ideals, who shun ostentation, who help others, who  talk gently, who help liberally and who do not expect any reciprocals. These few ,are termed as fools  by the majority, called as ignorant imbeciles by the faddish, and innocent souls by the milder retinue.

The most celebrated  refuse to accept  the prosperity of others. They wish to remain the masters,and dictate terms to the modest . The most influential abhor to deal with  the pragmatic and harm the humble if they come out successful. The most powerful discard the fellow humans as non entities and cause destruction by annihilating their competitors.

The mind spites every deed of the fellow human , as though he is an arch rival. A simple promotion  evokes  ill feeling. A trivial matter , like a hike in pay emulates envy. A purchase of a car or a jewellery or a property  for that matter,ignites the mind. A marriage alliance is enough to set fire. A peaceful existence is sufficient to provoke antagonism. An ordinary settlement kindles the spirit . The gossip , the introspection , the back talk and the frenzy  make the scenario unpleasant and unfit to coexist.

As the world moves, man has to keep pace with it .If he falters ,the orbit will shove him down disgracefully .

subscriptions thoughts turmoil

Divorces So Quick.

I happen to be in my native place for a couple of days , last week.It was a pleasant get together, meeting young and old, exchanging niceties and enquiring about their health.

It was a hectic schedule  dotted by interesting  information. One peculiar thing , I found during this sojourn was cases of divorce. My place is  known for its conservative ideologies and is steeped in traditional customs. In this modern age , a place like my own ,will stand out for its regulations and discipline. To hear about divorce ,in such a place sounded sacrilegious to me. Yet ,there were many incidents of the legal separation.

Dissolving the marriage , once regarded as a transgression, has become an accepted form now. The reasons for severance, looked appaling  in certain cases, appeared deep in others, but most exhibited flimsy and frivolous sentiments ,that could have been well avoided , if little measure of endurance was pushed in.

Th firm attributes for dissolution is impotency and behavioural tendency. The impotency factor  if found true, the marriage will not be able to go further. But , if it is listed falsely ,then strong counselling has to be activated and unity should be advised. The behavioural factor of excessive smoking, consuming spurious drinks, and addiction to drugs are also cited as causes for separation. The excess could be minimised by tending the eccentricity in a plausible manner and exploring possible ways to stop the practice.

Other minor  evidences of coming late after work, looking after parents, living in a joint family, spending time with friends and taking life easily are simple disturbance ,which should be discussed by the concerned . A way out , or a remedy could be easily tracked and adjustments can be accommodated suitably.

I came home with the usual well being , which I develop when I visit my people, but this time , I felt , the pride ,of my homeland ,as a class apart from the rest of the world,  has been lost. It has also got diffused with the multitude,totally vanished in the fumes.

I feel sad , and am extremely pained to be a silent spectator in this narrow world od envy, deceit ,self conceit, greed and prejudice.

reverberation subscriptions thoughts

Divine Float.

The celestial couple Lord Subramania and his escort Deivanai had an outing in the Theppam of Thiruparangkundram.

The couple were decked in glittering jewellery,and clothed in colourful Kanchipuram silk.The water body or Theppam was lit with diyas. There was a display of fireworks,which added charm to the float.

The Nagarathar community of Tamilnadu hosted this divine festival. Prasadams were distributed to the devotees from the Nagarathar choultry.Nattukottai Chettiars ,otherwise called as Nagarathars,are known for their generous contribution to the temples.

The float was a beautiful event. The Divine consorts were kept in the float,with the Nagarathar community heads ,the chair person of the temple and the archakas,all getting into the make shift float.The temporary structure of the float looked  archaic , uneven and appeared little risky. The authorities of the temple have to get into the details and modify the float ,to suit the modern times . The risk factor should be eliminated. If any untoward incident  happens , it will  not augur well.

The couple were taken to the central mandapam. They went through three pradishnams . Then they were placed in the oonjal or swing.

 The temple singer or odhuvar sang hymns in praise of Lord ,followed by the recital of the temple Nadashwara vidwans. The singing and the music played by the vidwans were so enchanting and a treat to the ears and a solace to the mind. Aarathis were taken and the final poornaathi was performed amidst the chanting of Murga, Murga, Murga . The crowd  became ecstatic . The devotees were enthralled.  Sublimity took control of the scenario. After going through the Theppam thrice, the float came to  a grand halt.

It was an austere celebration devoid of ostentation. It was a grandeur  without artificial distinction. It was  celestial denouement filled with purity and devotion.

Economy subscriptions thoughts

Admire The Taxpayer

Bankers are the heroes of capitalism.Taxpayers are the saviours of the same concept.

The banks collapse has become a weekly event. Every Friday ,we hear about a failure. Fridays can be termed as Collapse Friday ,similar to Ash Wednesday.

This trend of failures and gloom have haunted the world for a period of  a year and a half.To supplement the immense losses made by the Banking geniuses, the taxpayers are entrapped..The government is pushing out a bail out plan to rescue the privately run financial institutions. So public money goes into private equities but without any ownership, without any control, without any regulation.

Does it not sound odd? Does it not appear ridiculous? Does it not look out of context?Does it not indirectly hint that the administration is favouring the private bosses?

Well, we have to as a  tax payer, put up with all these irregularities, endure the seemingly fair proposition which is virtually a drab on our finance.The subsidy, as shown,  by the government in the form of  valuation models,not as market price will fetch the stockholder and the tax payer  virtusllynothing, exactly a zero in value.

Obama’s outrage over the subject of bonus, also is  an apparent mis guided tempo. His stern voice is taken as  whimper by the Wall Street bourgeoise.It  is not a serious call, but a pretentious announcement.A suuccessful banker wants to share the profits,  likes to get a percentage for his hard work. It is a valid desire.The same banker, when his institution makes loss, does not want to accept the failure. If he volunteers to share in the loss and gives back a percentage for non performance, he should be sanctified.Will any of the high ranked officials offer to do so? The burden falls on the tax payer’s shoulder.

The Tax payer’s tolerance ,stoicism. and mental maturity has to be eulogised

subscriptions thoughts

Rate Cuts

The economic slowdown has forced all the financial institutions to realise the status of  business.

It has reopened the Pandora’s Box. Out emerge the frauds, cheats, misappropriation, rigging, fudging and collapse.

The lobbyists, the politicians,and the chief executives have gained in the process , by looting the nation.

The banks have been advised to cut the interest rates to promote business.To make the nation prosperous ,we need steps severe. Rate cut is a welcome sign.Industries and business have to come out of the blue. Diminishing the interest rate will help the manufacturing projects . Banks should also extend facilities to them. At present banks have restricted their sanctions, as they fear the competitiveness of industries.

Easy finance with facile rates will give a jump to business. The sanctions should be planned according to the merit of the case.Scrutinising the projections,developing a rapport with the promoters,investigating the background of the people behind,are all necessary etiquettes that the bankers should take care off. Once they are satisfied with these formalities ,the loans should be advanced at the earliest, with comfortable progressions and schedule.

Regulations should be switched on, but the supervision should be subtle ,not stifling and suffocating.A regular flow of funds ,with nominal interest will enthuse the indusries. They will repay the loan with interest in appointed hour .

We look forward for similar outright remittance and free business not limited by deceit and control.

reverberation subscriptions thoughts

A Little More Magnanimity.

The best in us can be transcribed in many noble deeds and helpful indications.Being good at heart  is a loving  edict. But extending the generosity is a beautiful event.

Many of us are kind . Many of us are compassionate. Many of us are liberal. Many of us are large hearted. These are all but abstract condiments. Feeling is different from doing. Experiencing is alien from performing.

How many of us involve  ourselves in social emancipation?How many of us take up to help the needy? How many of us organise rehabilitation centre for the victims of natural fury?

Well, to engage in such humanitarian consideration, we do need a big background and loads of money.The minimum requirements  are a thought and the impulse to help others. The initiative dwindles , if we do not swing into immediate action. As the desire to help others crystallises  in our mind ,we must jump into it and   execute it. Deliberation leads to procrastination ,which in turn proceeds to denial.

A kind word to a child, a pep talk to an invalid,a caressing touch to a  bruised person, a gentle lead to the  visually challenged, an impressionistic sign language to the  hearing impaired, a writing module for the taciturn, and an allowance to the mentally retarded, will go a long way to create a congenial .carousing environment.

A gentle direction to the physically handicapped, a fresh attestation to the downtrodden, a multiple mandatory affirmation for the depressed ,will evoke a magnificent marvel and an extraordinary exhilaration .

Shall  we all try to effuse a little more magnanimity ,when occasions compel us?