Saturday 31 December 2016

United We Stand !!

Dr Mohammad Manzoor Alam

I am returning to this column after a long while, in circumstances that are far from pleasant. Today, the Islamic world is a sad picture of disarray, anarchy and violence–internal as well as with others. From Afghanistan to Iraq, Saudi Arabia to Syria and Somalia, Turkey to Yemen, it is a story of violence all the way.

Everywhere, both sites of the conflict are Muslim and the victims are almost always innocent non-combatants, quite often women, children and the old. People have been forced to flee their homes, crossing borders in desperation with little food and water and insufficient clothing in severely cold climates. Till they get recognised as refugees in their new land they have to sleep in the open icy climes.

The refugees flooding Christian Europe are Muslims. Another, and possibly the most significant haven for these refugees, is Turkey, a preponderantly Muslim country. All the victims and perpetrators are Muslims. The shared values of Islam should have glued them together, but the differences of ethnicity, religious sect and subsect, differences over national claims and other variables are tearing Muslim societies apart. Islam was meant to unite Muslims as well as the entire humanity.

Every day we read reports of violence, see on our TV screens, busy cities in Pakistan, Afghanistan, Turkey, Syria, Iraq, Somalia and Yemen bombed with huge casualties. Both sides are Muslim. Only a few hours before writing this piece the media were flush with graphic reports of the destruction of the historic heritage city of Aleppo in Syria, one of the oldest and most developed centres of culture.

President Bashar Asad’s forces, supported by Iran and Russia, have leveled the city and conducted a massacre barely seen outside Hitler’s Germany. The massacre has been so huge that Paris switched off the lights of the great Eifel Tower in protest and mourning. The UN Security Council, Europe and the US took note, but did nothing to save Muslims from other Muslims. This is a great moment for Muslims of all kinds, sects, ethnicities, nationalities and races to deeply think over what is going on, where does Islam stand, and where have the Muslim failed. This is not merely a political failure, but a civilisational one also.

To begin with, Muslims have miserably failed to evolve a political system which offers everyone some space, freedom of opinion and choice and a system that happily welcomes and accommodates difference. There is rarely any organised system of peaceful transfer of power in the Muslim world. One of the many examples is the blood-soaked Syria where Hafez al-Asad ruled for decades and passed the reins to his son Bashar before dying. The son is there to rule for as long as the father did, even if Syria is destroyed in the process.

What the Muslim states as well as Muslim societies are suffering from comes from a lack of appreciation and tolerance of diversity. This is largely a political failure because the system of governance in Muslim world (ranging from monarchy to various degrees of dictatorship) has failed to ensure democratic respect for difference: difference of race, ethnicity, tribal affiliation, religions and religious sect. To avoid a complete civilisational breakdown the Muslim world must debate on and evolve a proper political system for those countries and societies and must come to terms with modern ideas of state and nationhood. Civilisation must be anchored in Islam. Yet, as Akbar S. Ahmed wisely points out Muslims have got to come to terms with the post-colonial paradigm, of democracy, state and nationhood. Ahmed notes that because Muslims have failed to come to terms with the post-colonial paradigm we see people like Saddam in Iraq and Asad in Syria who destroyed millions of their own countryman. There are others like them waiting for their turn to devastate their own lands and people.

Unity is not possible without a certain liberal stance, tolerance and willing acceptance of diversity. We have to remember that God made a diverse world, and diversity is the essential feature of existence in the world. God says in the Quran that if He so desired He would have made everyone a Muslim, but He made it a diverse world, so that different races, tribes and clans could distinguish and identify each other.

Both for the unity of the Ummah and for peace within it as well as peace with other faiths a liberal and tolerant attitude is essential. For unity in the Ummah one has to recognise (as does the post-modernist literary theory) that there can be several different readings of a single text (including the text of scripture) and all of them could be equally valid.

This explains why there are so many sects, sub-sects and sub-sub-sects within Islam. It is largely because of different interpretations (readings) of the Quran and the Prophet’s (PBUH) traditions. Hence, it is not desirable to insist that only one of them is right and all other interpretations and sects/sub-sects based on them are dubious. Such a rejectionist view can easily destroy unity. It is also against the Islamic credo that plurality of opinion in the Ummah is a blessing from God and worthy of cherishing.

The emphasis on an acceptance of diversity is finely exemplified in an incident in the life of the 13th century Muslim sufi poet Mewlana Jalaluddin Rumi. It was said that he did not believe in sectarian differences, to the extent that he accepted all the putative 72 sects of Islam as valid and equal to each other. There is the common belief in parts of the Muslim world that there will come a time when Muslims will be divided in 72 sects and only one of them will be right. Followers of all others will be consigned to hell.

When a hot-headed Muslim (there has never been a shortage of such fellows) came to learn of the sufi’s belief he confronted him: “Mewlana Jalauddin, I have heard that you tell people you accept all 72 sects as valid?” Mewlana Jalauddin Rumi said, “Yes, I do.” At that the man flew into a rage and began a flurry of expletives and choice abuses. The sufi listened to the abuses calmly. When the hot-headed man got tired and fell silent, Mewlana Rumi announced quietly: “And I accept fully this 73rd sect of yours.” Only such great men with their generous acceptance promote unity and avoid division in the Ummah and the world at large.

As long as we insist that our sect, sub-sect or sub-sub-sect is right and all others are doomed to hell, we will be promoting division and mutual hatred. An example from the subcontinent is illustrative. The Hanafi sub-sect of the Sunni sect is divided further into sub-sub-sects - Deobandis and Barelvis. Instead of cherishing their shared Hanafi doctrine they are at each other’s throats. Even within these two there are internal differences of emphasis. Differences can be ok, but hatred, division and violence are not. Both within Shia and Sunni sects there are sub-sects that are violently opposed to each other. There is a history of massive violence within sects and a long record of mutual suspicion and animosity.

India’s Muslim community is divided both vertically and horizontally. There is a distinct horizontal division in the name of masaalik, and there is a vertical division in the name of castes. Put together, they generate such animosity that their mutual ill-will transcends the capability of Islam to unite and heal.

The poet Iqbal wrote a hundred years ago which, in translation is “Divided you (Muslims) are in sects and castes/ Is it how people flourish in the world?” It is quite apparent that such mutual antagonism runs against the grain of Islam and brings disgrace to the Ummah. Enough is enough. Now let us close our ranks and follow God’s command: “Hold together (all of you) the rope of Allah and don’t create dissension in your ranks.” Muslims must pay heed to it.

They do not pay heed to the Prophet’s [PBUH] warning to Muslims not to unsheathe their swords against each other. Otherwise, the sword will never go back to the sheath. The sword that was unsheathed in the civil war between Sahabah (the Prophet’s (PBUH) companions has not gone back into the sheath. It must be sheathed now if our civilisation has to survive.

United we stand - 2

I am returning to this column within a week. The usual periodicity of this is once every month or so. The reason for this is the wide response to the last column under this title. The enthusiastic response to the article shows that Muslims are bothered about the widespread disunity in their ranks and they want to know the issues that divide us. This is also a good sign as knowing a problem brings us half way to resolving it.

By the way, understanding an issue requires clarity, which does not come easy to many of us. An example of this was a mail from one of our readers who suggested that the destruction of Aleppo (and much of Syria) is the handiwork of the French. This is not the case. The destruction has been wrought by Bashar Assad with the help of Iran and Russia, not France.

He wrote, rather unintelligibly, “The French general put his foot on Saladin’s grave and proclaimed”. It seems as if the French general did it during the destruction of Aleppo earlier this week, and hence France was responsible for the humiliation of the Muslim hero (Salahuddin Ayubi) and France was behind the destruction of Syria during nearly half a century of the illegal rule of the Asads (Bashar and Hafez). This understanding of a major tragedy in the Muslim world is not correct.

What this writer is referring to is an incident that is now almost a century old (the end of World War-I). After defeating the Ottoman caliphate (under which much of the Arab world, including today’s Saudi Arabia, Iraq, Syria and Palestine came), the French general marched in pomp to the grave of Salahuddin (Saladin) and proclaimed, “Saladin, we are here”. What the French general in his hubris did was motivated by racial memory and historical animosity. Saladin had driven European crusaders out of most of the Kingdom of Jerusalem nearly seven and a half century before the end of the World War-I, and the French general’s impudent behavior. Racial memory and historical antagonism are part of human life, but this does not have to determine all of our actions. We cannot live in the past, and cannot attribute all of today’s developments to the past.

As we said earlier, what is happening in Syria and most of the Muslim world indicates our inability to deal with our own affairs in a politically appropriate way. Coming back to Syria again (even though there are several like it) we have to remember that it was a certain kind of political environment that fostered the growth of the Asads, who destroyed their country. Even without the Asads and their partners in their crimes (Russia and Iran now) there has been sufficient internal hostility between tribes, ethnicities, sects and sub-sects to tear the country apart. Islam alone has not always been able to keep them united, because here we are not having a generic, undifferentiated, unified Islam, but several versions of it, practised by different sects, sub-sects, ethnicities and tribal groups.

In many cases, it is not the unified Ummah that is visible, but a constant fragmentation that is at work. It would be desirable for different kinds of Muslim communities worldwide to agree on a loose Ummatic consensus that accepts that across races, climates, continents and countries, ethnicities and tribes, political ideologies and cultural preferences Prophet Muhammad’s community is united in its amazing diversity as Allah wishes and in the love of the Prophet (PBUH).

This is the ideal (what should be), but not the real (what is). The effort has to continue through local, regional, national and international fora. However, to avoid a complete civilisational breakdown (towards which we are headed), we must never insist on a single, one size fits all Islam and try to enforce it across all cultures and climes. Cultural, ethnic and sectarian forces have frequently overwhelmed Islam’s capability to keep the Ummah united throughout Muslim history. Elaboration of this might need more space than this column provides. Suffice it to say that we must never try to enforce uniformity across the Ummah. Only diversity can keep it together in a symbolic bond. We must learn to live together separately, allowing everybody his or her space. In its great wisdom the holy Qur’an declares: “No compulsion in faith”.

To elaborate it further, nobody has the moral or legal right to eliminate all difference. No black person’s skin can be peeled like a banana to make him look like a white man (Salman Rushdie’s Moor’s musing), nor can a white man or woman’s skin be painted black. Likewise, the difference within and without Islam cannot be eliminated without permanently destroying peace. If we cannot accept the diversity within Islam, how can we live in peace with Jews, Christians, Hindus, Buddhists, Sikhs, and others?

We have examples from other religions, societies and countries where people have accepted difference willingly and have agreed to live together separately in peace. An example from Germany is worth citing here. In the 19th century some leaders of the Christian church met Jewish leaders and told them, “We think you are in error and you think we are in error”. Then the Christian leaders said something to the effect: “We are free to have our ideas of each other. But, now onwards, let us decide to live with each other in peace”. That understanding led to the German Jews’ rise as equal citizens and the end of ghettos and everything they stood for. That understanding was destroyed by Hitler’s rise in the 30s of the 20th century.

However, after the defeat of Nazis and end of World War II, many Jews returned to live as equal citizens in Germany as they were living before Hitler. This is not an unblemished happy-ending story, but it shows people can (and should) try to live happily with others despite differences of faith, sect, race and ethnicity.

A more enduring and successful story comes from the secularisation of Europe, which was more fissiparous and driven by hatred between different Christian sects. The violence of Londonderry and Belfast which we read about in newspapers in our college days paled in significance compared to the violence and madness of 19th century Europe. Incidentally, the last viceroy of India, Lord Louis Mountbatten, was assassinated by the Irish Republican Army (IRA) that was behind much of the violence of Londonderry and Belfast of those days. Even that violence has simmered down.

Much of Europe deflated religious antagonism and sectarian violence among Christians by delinking state from church. That means no sect had the patronage of the state and all citizens were equal as the state had no religion of its own. This arrangement has held strongly for more than a century. It is interesting to note that Europe was secularised not to protect Muslims, Jews or Buddhists, but to protect Christians from Christians. The same arrangement has held the United States together from the beginning. Right from the coming of Pilgrims (the first European settlers in America) Christian sects came to America because there was no religious preference there, and hence no persecution. Can we devise some innovative schemes like that to save Muslims from Muslims and accommodate our diversity happily?

Saturday 17 December 2016

Lighten the people’s burden

Dr Mohammad Manzoor Alam

At the outset, it must be asserted that monetary and financial policies are made for the people, and people are not made for such policies. This basic principle seems to have been stood on its head in the present conundrum of ill-considered and ill-advised demonitisation of Rs. 1,000 and Rs 500 currency notes.

A hundred people have died, their deaths directly attributed to this sudden denial of access to their hard-earned money. For most Indians it has been like a bolt from the blue. The wholesale markets are virtually closed as most of the transactions are made in cash, which is scarce. In turn, it has led to the termination of hundreds of thousands of daily wage earners’ jobs.

The same holds good for huge armies of workers at construction sites where the workers are paid in cash on a daily basis. Markets across different trades have come to a standstill. People suddenly are forced to deposit their hard-earned life savings in banks under the orders of the government that they do not trust with their money. Because of the unpredictability of the government, over the last one year people had withdrawn a sizeable part of their deposits from banks, thus hugely increasing the volume of money in circulation, that is, money that is in people’s pockets. Theoretically, such a situation fuels inflation.

One of the rather obvious “reasons” behind the government’s rash and unprecedented step could have been to force people to deposit their money in banks. However, it was a legally questionable and morally indefensible act on the part of the government. Nobody has the right to confiscate people’s wealth in the name of “black money”. People’s hard-earned and saved (saving involves great sacrifice and deferment of immediate needs) money is not black money.

The people had taken part of their money out of banks exactly for the same reasons as the sudden demonetisation. People did not trust the government because it had suddenly introduced and enforced rules like the registration of PAN on purchases of jewellery, gold and withdrawal of cash above a certain limit. People feared a corrupt tax bureaucracy and tax laws that are manipulated by the rich, but hurt the average person.

Citizens are forced to stand in long serpentine queues outside banks and ATMs. After hours of standing in queue they are curtly told that there is no money left to give them and they have to return home empty handed. Several have dropped dead in the queue. Many have committed suicide. Often respectable citizens have been mercilessly beaten up and humiliated while trying to get a small part of their savings out of the bank. A soldier of the Indian army was beaten up so severely that the sturdy lathi of the policeman broke. This for the lip service of RSS-BJP to India’s armed forces.

It is important to remember that out of the Rs. 18 lakh crore in circulation, 85 percent were in Rs 1,000 and Rs 500 denomination. With the withdrawal of these notes only 15 percent of the money was left in circulation, this causing unprecedented hardships to people. Most of the informal sector jobs have been wiped out and the rest are threatened. Up to 40 percent of the salaried jobs in the formal sector can be eliminated.

In demonitisation, currency notes are not suddenly cancelled but new currency notes are gradually introduced in the system, and as gradually, older notes are withheld by the Reserve Bank. This is an unprecedented move that has dented India’s financial credibility in the world markets and deterred investment. Rahul Gandhi has said this could be a great scandal.

Manmohan Singh, an economist of world class, an economist whose opinion President Obama said publicly, he sought and valued. Dr Singh told Parliament that this move of the government was an “organised loot”. He warned that it could cut economic growth by as much as two percent, a prospect that is no less than a calamity.

There was little money in the system except the Rs 1,000 and Rs 500 notes that the people have been unfairly forced to deposit in banks. As currency notes are printed with imported technology and material there is no hope for relief for people for months. Until the money supply is normalised, there is going to be no respite.

It is by now clear that the announcement made by the Prime Minister about this move was falsely claimed to be made in the TV studio. It was a pre-recorded announcement sent to the Doordarshan which telecast it after editing. As the DD knew in advance, BJP-RSS too knew it much before the public did. Accordingly, they acted in advance to protect themselves from its effect.

In a transparently dishonest bid the BJP government has tried to put Samajwadi Party, Bahujan Samaj Party and Congress Party at an economic disadvantage in coming UP elections. In Punjab also, it has put Akali Dal and Congress at a disadvantage in terms of depleted election funds. By wiping out 85 percent of the money it has tried to starve these parties of election funds, while it has dishonestly used its power to whitewash its own funds. However, ultimately this cheating may not work as the people know about it.

There is a general sense of helplessness, betrayal and humiliation among the people, not only among those who have been turned back from banks after hours of standing in a queue or those who are beaten up by the police for no fault of their own, but among all sections of people because every Union minister, right from the PM downwards, has repeatedly called their years of earning with the sweat of their brow, “black money.” It is people’s own money, not black money, that the government has virtually confiscated.

The government has repeatedly lied to the nation. It announced that the Reserve Bank had enough money to pay everyone, while the fact is that the Reserve Bank is not going to have enough money for months. When parents of young girls preparing to get married in weeks and months began to break down, the government falsely announced that parents of girls who had fixed their marriages could withdraw Rs 5 lakh from their bank accounts. The next day it was cut down to half, i.e., Rs 2.5 lakh. After that, when the parents went to bank to withdraw Rs 2.5 lakh from their accounts they were flatly told that the banks had not been notified and they could not get more than normal withdrawal, which for cooperative banks, had been reduced from Rs 10,000 to Rs 2,000. The same limit was set for ATMs. Only the major banks had an Rs 24,000 limit.

This led to more deaths from sudden heart failures and suicides. Instead of words of sympathy a Union minister said there was nothing unusual in such deaths as 25,000 people died everyday in India.

Enough is enough. As with imported material and technology the government cannot hope to restore money supply in less than several months it has no way of restoring the country’s economic health without rolling back its ill-thought out policy. It must act now and ease the common Indian citizen’s unnecessary harassment and humiliation

Friday 16 December 2016

12 Rabiul Awwal

Ki Muhammad ﷺ Sey wafa Tu ne To Hum Tere Hain / 
Ye Jahan Cheez Hai Kiya Loh o Qalam Tere Hain.

What a Great Moment it would have been when World welcomed the one for whom Allah Created the Universe.

Always a blissful moment it is,when we hear the beautiful name Muhammad ﷺ

Let us Honour the PROPHET ﷺ Every Day ! and Not Just One day

RBI imposes restrictions on withdrawal from certain bank accounts



Tightening the noose around people who misused banking channels to park unaccounted money, the Reserve Bank today imposed certain restrictions on withdrawal if more than Rs 2 lakh has been deposited after November 9 in an account which has a balance of over Rs 5 lakh.
As per a RBI notification, withdrawal or transfer of funds will not be permitted in accounts without quoting of PAN or submission of Form 60 (persons who do not have PAN).

The Reserve Bank also said monthly withdrawal limit of Rs 10,000 will be maintained even if a 'small account' has witnessed increase in annual permissible deposit of Rs 1 lakh.

The notification follows after it was brought to the notice of the RBI that "strict compliance" with KYC (Know Your Customer) provisions is not being ensured in some cases.

In respect of KYC compliant accounts where the required Customer Due Diligence (CDD) procedure has been complied with, RBI said banks and NBFCs should ensure compliance regarding quoting of PAN/obtaining of Form 60 for all transactions.

"No debit transaction, transfer or otherwise shall be allowed in accounts which do not comply with the above mentioned requirements.

"To begin with, this rule shall be strictly applied in accounts where both the thresholds listed -- (i) balance of rupees five lakh or more; and (ii) the total deposits (including credits by electronic or other means) made after November 9, 2016, exceed rupees two lakh," RBI said.

RBI further said if any account is rendered ineligible for being classified as a small account due to credits/balance in the account exceeding the permissible limits, withdrawals may be allowed within the limit prescribed for small accounts.

The monthly limit for withdrawal and transfer from a small account is Rs 10,000. Also, aggregate of all credits in a financial year cannot exceed Rs 1 lakh.

Basic Savings Bank Deposit Accounts (Jan Dhan accounts are akin to BSBDAs), which are not KYC compliant accounts are to be treated as 'small accounts', the RBI added.

Government demonetised old Rs 500/1000 from November 9.

Earlier, RBI had asked banks to strictly follow norms while allowing deposits in dormant accounts.

There have been reports some people misused Jan Dhan and dormant accounts to deposit unaccounted money following demonetisation.

Monday 12 December 2016

1. I got a dig bick (PRANK)

1. I got a dig bick
2. You that read wrong
3. You read that wrong too
4. You checked
5. You smiled
7. You are wondering why you're still this reading this
8. You saw that mistake... right? (On 7)
10. But did you see that I skipped 6?
10. You checked
11. And saw you that I doubled 10 and skipped 9
12. I said saw you, not you saw
13. I also skipped 2
14. You got tricked
15. I'm just wasting your time go back to reading the comments

Tuesday 6 December 2016

Jayalalithaa Jayaraman

The hospital finally officially announced the death of the chief minister on 5 December 2016 at 11:30 PM.Deeply Mourn Jayalalithaa Jayaraman, commonly referred to as Amma and Puratchi Thalaivi , 11th, 14th, 16th, 18th, 19th Chief Minister of Tamil Nadu. INDIA will miss one of the most influential and powerful leader ever, Jayalalithaa was a visionary & able administrator Her indomitable spirit & an infinite capacity for goodness were always an inspiration. She was the perfect definition of Bold and Beautiful, When brave Jayalalithaa put Shankaracharya in jail for murder! It has happened only once in India! in her own words she was self-made. She fought patriarchy. Relentlessly and Constantly. 
The end of inspirational era of Tamilnadu Politics. Jayalalithaa leave behind a vast vacuum. But her majestic charisma and determination will continue to live and inspire many women in our country, I wish tamilnadu to have stable government after this ,Dear Tamilnadu beware of Hindian parties, The "JI" gumbal is coming

Friday 2 December 2016

So what is Demonetisation really all about?

So what is #Demonetisation really all about?
# We were told it’s to stop terror attacks.
But now the attacks have increased.
# Then we were told it will cut supply of Indian notes across the border.
But terrorists had new notes before most of us did :)
# Then we were told it’s actually about wiping out #BlackMoney.
But even Banks’ own estimates say that very little has come in.
# Then we're told it’s to take #BlackMoney out of politics.
But 1st person caught with unaccounted cash in new notes was… a BJP guy
#Further when a blogger said the car of MP’s Chief Minister, a @BJP4India man, was stopped with 30 crores cash, he was arrested.
# We’re told #Demonetisation hurts criminals & not common man.
But no tax criminals have died but 70 common folks have, waiting in line.
# We must tolerate for patriotism.
But govt ensures political parties above law & can have unaccounted cash. BJP declares 505 cr in 2016
# We’re told operation is meticulously planned.
But RBI announces new rule & regulation every day, each more confusing than the other.
# We’re told planning started long ago.
But Rs. 2000 notes are not even in same size, and their colour washes off.
# We’re told RBI is on top of it.
But then no one knew each ATM across India has to be recalibrated to accept new notes.
# Sep #BlackMoney sweep picked up 65,000 cr at a 45% penalty with no pain to common man.
This time all this pain is for a 50% penalty.
# Now we’re told it’s not abt #BlackMoney or #Terror but #Digital #Cashlesssociety.
But India is long way from that. Tho we're cashless.
# So what is #Demonetisation really all about?
We are told, wait and see how India will become great. Only then we’ll realise. Wow.
# Can we accept that nothing was planned or executed well?
Rather than owning up faults, pride of govt & PM doesn’t acknowledge failure.
# We hv an unplanned, badly executed, lethal & likely ineffective country-wide change & we hv to wait with faith because well, #AccheDin.

12 Things You Should Know About Real Estate

http://lightersideofrealestate.com/education/things-you-should-know-about-real-estate?utm_campaign=sniply&utm_medium=sniply&utm_source=sniply


1. A home is worth what a buyer is willing to pay.

You may think all the time and effort you have put into your home before listing it, even what you paid for it previously, makes it worth a certain price. Even an appraiser may come in before you list and say it’s worth close to a price you like. But at the end of the day, it is only worth what a buyer is willing to pay for it. They may think your upgrades don’t match up with the asking price. It may be that the home does need renovations and the asking price is too much to justify buying it and immediately pouring more money into it. A buyer would rather purchase a home at $125k, put $25k into it, and have it be worth $180k instead of buying a home at $180k that needs the same work of the $125k home.

2. Upgrades may not increase the value, but they’ll increase the chances of getting it sold.

It’s normal to think or hope that you’ll get back every penny spent on a home renovation. Unfortunately, in most cases you really only receive back a percentage of what you spent (or sometimes no hike in value at all). Different home improvements generally offer different returns, and that amount can vary depending on the area that you live in. Other factors include quality of craftsmanship and the personal taste of buyers.

3. Cleanliness is godliness.

No house is ever going to be perfect, especially with a dog in the summer, but it is important to make an effort to keep your home as clean as possible during listing photos and showings. You want potential buyers to remember what they love about the home after they leave, not talking about how much of a mess your home was instead.

4. Curb appeal is the first (and strongest) impression.

We all know what they say about first impressions. It’s hard for someone to change their mind after a bad first impression. Take a look at the front of your home. As a stranger, would you buy it? Just in case you’re biased, look next door. What about your neighbor’s home? Would you buy theirs? If no, imagine if they made it more presentable. Then would you buy it? Yes? Remove the kids’ toys from the front yard. Hide the trash cans and recycling bin. Mow the lawn and trim the bushes, especially before your professional pictures are taken! But continue to maintain the lawn for showings, and for the chance that someone might just drive by and notice the for sale sign in your yard. If you have shutters, make sure they’re all still attached and if needed, slap a fresh coat of paint on them. And don’t forget to pressure wash!

5. Pet odor and clutter leave the longest lasting impressions.

Just because we love our furry friends, doesn’t mean that everyone does. It’s hard to erase every piece of evidence that they exist in your home. No matter how many times you vacuum, there will be pet hair that you miss. Just make an effort. And if you can, hide their bedding and food bowls. Pet odor is extremely hard to hide, especially if you have a puppy learning how to be potty trained or a senile dog with a bladder problem. It might be worth your while to replace your flooring, or offer a flooring allowance in the deal. For now, stick a few air wicks in each room.

6. Neutral paint and decor will always appeal to the masses.

Get rid of those dark colors and bright purple accent walls now! That will stick out like a sore thumb in your listing photos before a potential buyer even schedules a showing of your home. The first thought going through their mind is, “How many coats of paint is it going to take to cover up that hideous color?!” Neutral is in. Neutral is always in. As for decor, minimal is best. Go ahead and pack any extra decor that is unnecessary while you’re trying to sell.

7. Cheap fixes or updates will result in cheap (low) offers.

If you can’t afford to update the whole house, don’t. Trying to cover everything will result in cheap updates that the potential buyer will most likely want to have redone. If nothing else, as stated above, at least paint. A fresh coat of paint in the whole house, as long it’s a natural color, is never wasted money.

8. Everything is negotiable.

Seriously. Everything is negotiable. While the refrigerator seems to be the biggest thing that buyers want or sellers note that it can convey with an acceptable offer, many other items have been negotiated. Blinds, curtain rods, curtains, furniture, even tractors. However, it is very important to make sure negotiations are done right and documented correctly in the contract.

9. Time is of the essence.

Because we’re in a seller’s market, it is the perfect time for you to list your home if you’ve been considering it. Homes can barely be put on the market before there is a contract put on them. This being said, time is of the essence for buyers. If you fall in love with a house, you need to put an offer in now, and a good one at that. There’s no time to waste going home and talking about it or sleeping on it. That home might not still be on the market tomorrow.

10. Location! Location! Location!

Why does location matter so much? For starters, you can’t move a home — at least not easily or inexpensively. When you buy a home in a good location, it’s usually a solid long-term investment. It’s often wise to buy the worst house — a property that could use some TLC — on the best block. Why? Because fixing up a home in a great neighborhood will give you the best return on your investment. Quite simply, it will be easier to sell later on. Conversely, you can buy a beautiful home that doesn’t need any work. But if the block is sketchy or just plain bad, you could have a hard time selling the property at a decent price.

11. Buyers notice things they want to change before noticing any updates.

Like previously said, it’s hard to please everyone. Even though you just spent $30,000 on an upgraded kitchen and $10,000 on a remodeled master bathroom, a buyer may be groaning because they’re not looking forward to having the carpets ripped up and hardwoods laid. Or, they just might not like the choices you made during the renovation process. One fail-safe move you can make is to allow a flooring allowance or paint allowance, therefore you’re not wasting the money while getting the home ready to sell and they can pick out the details they like.

12. When priced right, it will sell.

Even if you’re in a hurry to sell and price isn’t your main concern, you still need a baseline to start marketing your home. One thing’s for certain: Pricing is one of the biggest decisions in the selling process. Set too high a price and you run the risk of turning off potential buyers. It also means your house will not compare favorably with other similarly priced homes. Even worse, buyers may not even see your listing when they search online since they will be using lower price points.

Thursday 24 November 2016

Manmohanisation of Demonetisation

"These measures convince me that the way this scheme has been implemented, it’s a monumental management failure, and in fact is a case of organised loot and plunder."
Manmohan Singh, Former Prime Minister And Congress Party Member

Two-time PM, Finance Minister, RBI Governor, Economics from Cambridge that is Dr. Manmohan Singh. Knows more economics than BJP all together! India's reform architect Ex-Prime Minister Dr Manmohan Singh trashed PM Modi's cash crackdown and rightly called Demonetisation as'organised "Loot & Legalised Plunder", Ringing words from an economist and a wise man, delivered in his usual low key style.An eye opener on failed Modi Govt. The Econimist demanded basic answers to basic questions, spoke for common man's suffering and tyranny of demonetisation.


when Dr Manmohan Singh was speaking in the Parliament, Modi & Co., looks like thinking about their Poor Education

Singh ended his speech urging Modi to find "practical and pragmatic" ways to relieve the people in distress.
I conclude that it is not my goal to pick holes in what one side does or another side does but I sincerely hope that the Prime Minister will view at this late hour, will help us to find practical pragmatic ways and means to provide relief to the suffering people of this country.
Manmohan Singh, Former Prime Minister and Congress Party Member
http://www.tehelka.com/2016/11/rss-bjp-tear-into-manmohan-singh-oppn-demands-pm-to-apologise/

Monday 21 November 2016

Kanpur Train Tragedy - Tragic reminder of inapt priorities in India

Deeply pained and saddened to hear about the derailment of the Patna Indore express that has claimed so many lives. My condolences to the bereaved families. I pray for speedy recovery of those injured in the accident of Patna-Indore express.


While i was waking up to enjoy a beautiful sunday with my loved ones , Many Families were destroyed Many people were dead ,( As I am writing this, the Number had reached 140) and some taking their last breath. Their last journey....

The disaster took place just a little after 0300 hrs when the passengers were jolted out of their sleep as the Patna-bound train jumped the tracks, badly damaging four ordinary sleeper coaches in which hundreds were trapped. 

Of the four coaches, the S1 and S2 had telescoped into each other, I am Yet to Understand who excactly responsible for more than 100 innocents who got killed in this tragic incident even after i have heard many such incidents in past years, when we rightfully react when any Indian soldier is killed. But, are Only soldiers are humans and those people were not?

Patna Indore Express Tragedy serves as a tragic reminder of inapt priorities before we look out for Bullet Trains, when some people are Dreaming of bullet train, here people die while they are asleep.


Even this Terrible news and incident  had a chance for politicians to politicise the incident and they will do so always. Blaming every thing under sun but they themselves. There was also Appalling and Horrifying news of Victims / survivors getting old currency notes of Rs 500/1000 as 'immediate Relief". Why not deposit compensation amount directly in their bank or Jan Dhan A/cs? Why pay cash, old or new notes?


After every train accident Rail minister or PM announce 2 or 3 lacs as compensation, when a bread winner of family member dies 2 or 3 lacs will never solve the financial problem of the remaining. Apart from compensation Railway Ministry shall give job to a direct relative of the victims family,or  monthly fund shall be granted.



May the Almighty Bless us All.

















https://www.youtube.com/watch?v=nwyFVwVTBkA

Read My Blog - Kanpur Train Tragedy - Tragic reminder of inapt priorities in India - http://jameelblr.blogspot.in/2016/11/kanpur-train-tragedy-patna-indore.html 

Friday 18 November 2016

Preventing and management is the key to tackle Diabetes

Since 2006 the World Health Organisation and United Nations together worked to pass a resolution to celebrate World Diabetes Day. The main objective is to create awareness on diabetes and to take action to tackle this global health issue. India being home to 60 million diabetic patients, the largest country to have highest number of patients has launched many programmes to address this non-communicable disease.

Diabetes occurs when the pancreas does not produce enough insulin (type 1 diabetes), or when the body cannot effectively use the insulin it produces (type 2 diabetes). This leads to raised blood glucose (sugar) level and over time, serious damage to many of the body's systems, especially the nerves and blood vessels. In India, the type 2 diabetes is on the increase among the younger age group due to intake of high calorie diet and sedentary lifestyle.

In our country, diabetes is not restricted to affluent class of people. Even the lower middle class and poor sections of the society are also victims of this disease in large number.

Diabetes becomes more complicated as the health care systems are unable to diagnose the presence of the disease at early stage. Almost fifty per cent of the people suffering from diabetes are unaware of the presence of disease. Early identification of the person suffering from this disease is the key to effective management of the disease.

Recognising this fact, the union health and family welfare minister Shri J.P. Nadda has called for implementing the programme to screen the mass population to identify the onset of disease. He has also recently launched the M-Diabetes initiative, which aims at harnessing the mobile network to tackle the disease. With a missed call to 011-22901701 the caller can get basic information about the disease and how to manage it.

Why there is such large number of people suffering from diabetes in our country? In addition to life style causes, Indians have high genetic susceptibility towards this disease. It is estimated that between 12 to 18 per cent of adult population living in urban areas are suffering from diabetes. More young people will be joining the ranks in the coming years with high levels of obesity being reported among the children.

Diabetes also leads to complications leading to kidney failure, requiring huge dialysis costs. It also causes retinopathy leading to vision loss in adult working population. It may also increase the chances of cardiovascular disease and heart attacks.

According to World Economic Forum, the economic burden of the diabetes alone will be USD 0.15 trillion per year. As the average health costs of diabetes patient is three times higher than a normal person, with an estimated cost of Rs 10000 per annum required for treatment. As poorer patients cannot afford the high costs, non compliance leads to severe complications, adversely affecting the working life of those suffering from diabetes.

The National Health Missions launched by Government of India has established special cells at state and district levels to tackle the disease. Early detection using inexpensive technologies and through affordable medications the government is trying to implement programme to prevent and manage the disease.

Adopting a healthy diet comprising of balanced portion of carbohydrates, protein and fats is essential to prevent the onset of the disease. Physical activity, body weight exercise and a regular practice of yoga regime has to become part of everyday life so that the disease is kept away. This will help to keep the blood sugar under control and a diabetic can lead a normal healthy life. There is possibility of reducing 80 percent of type 2 diabetes through preventive measures.

Keeping in view the enormity of situation, Government of India has adopted multi-pronged strategy to combat the menace of diabetes. While celebrating National Ayurveda Day on October 28, 2016 the theme was ‘prevention and control of diabetes through ayurveda’. Shri Shripad Naik, Minister of state for AYUSH said “Ayureveda touches the entire way of life and therefore, we should look towards it not only for the treatment but also for the promotion of healthy life”.

The National Research Development Corporation, a wing of Ministry of Science and Technology is propagating commercialisation of Ayush -82, an ayurvedic formulation for prevention and management of diabetes at affordable price. They are popularising this medicine through giving advisements in national newspapers to reach maximum number of people.

Thus the Government of India has launched integrated approach to prevent and control the diabetes. However, in order to succeed there is need for many sectors in the society, employers, civil society and private sector to play active role towards achieving this objective.

Thursday 17 November 2016

No, the poor arent sleeping peacefully:

The rich and the middle class have their digital wallets and credit cards; they can afford to wait two weeks, even 50 days, for their money to be exchanged

One has to be astonishingly callous or exceptionally removed from reality to think that the poor are sleeping peacefully and only the rich are frightened, needing sleeping pills in the wake of the great currency-exchange drama playing out in India. For that’s what it is; old notes are being replaced with new, and a new note of even higher value is being added.

But the fantasy description of blissfully asleep poor and terrified rich is just that—a fantasy. Even a quick look at the videos being circulated of the people queueing up to change their money shows their frustration and anxiety; and even if they aren’t below poverty line, they aren’t rich.

Indeed, the rich and the middle class have their digital wallets and credit cards; they can afford to wait two weeks, even 50 days, for their money to be exchanged. It is the day-wage labourers who suffer—three of whom are given a Rs1,000 note to cover their wages; the security guard who needs smaller bills with which to pay a hospital which would otherwise not do an MRI scan of his seven-year-old son who has a lung disease, and who breaks down; the children on the street who sell toys and flowers and pirated books but no longer earn enough to eat because nobody has the small change to buy their meagre offerings; they bear the burden of the sloppy planning.

Indeed, black money is a real problem. But statistics show that only a small part of it is kept in cash—by some accounts, 6%. Black money resides abroad too, but a large amount of it sits in India, as gold deposits, as land banks, as benami assets. Focusing on cash is like trying to catch the tiger by his tail.

There is also the question of what constitutes high-value currency. Indeed, currency notes of Rs500 and Rs1,000 are of the highest value in India, but they constitute more than 80% of the value of currency in circulation. When the Janata Party demonetized notes valued at Rs5,000 and Rs10,000, the amounts were worth about $640 and $1,280, respectively, at approximately Rs7.8 a dollar. Today’s “high” value notes are worth $7.38 (Rs500) and $14.75 (Rs1,000), respectively. That is still a lot of money for those who are absolutely poor, but those amounts aren’t high value for what they can buy.

And despite the efforts of banks and successive governments, a large part of India is still unbanked; an overwhelmingly large proportion of transactions—by some accounts, 90%—takes place in cash; smart technology notwithstanding, Internet connectivity in rural India (even parts of urban India) remains spotty, and there are too few automated teller machines for a country of India’s size and a very small proportion can be found in rural India. And the ones that exist aren’t designed to handle such intense use, most of them aren’t configured to slot the new Rs2,000 notes—which do not have microchips.

The government has sucked in liquidity from the country for the ostensibly laudable—but apparent—aim of eradicating black money, which has unnerved the poor who simply do not have the “working capital”—cash reserves—to tide over what is uncaringly referred to as “temporary inconvenience”. Yes, people are looking after each other and using barter, trusting customers and neighbours, and living on credit. But that’s relying on the kindness of strangers. Indians do it all the time. When there is a cyclone, neighbours look after each other because the State hasn’t reached the remote areas. But this is a cyclone caused by the State, whose responsibility is to protect the people, not to place them at a greater risk.

The prime minister feels the pain, but it is his own pain. His voice breaks and he says dramatically that the forces he has taken on may not let him live. Meanwhile, by one estimate, 33 Indians have died due to stress, heart attack, or anxiety; there is a report of at least one suicide. Each of those deaths was avoidable.

We don’t know what the economic consequences of this exercise will be. But if liquidity is drained off temporarily as a shock measure and then re-injected, there is no guarantee that the small businesses which have collapsed will be the ones which will get revived. Economic experiments are fine in safe lab conditions, on spreadsheets, in classroom simulations. But in the real world, ceteris isn’t paribus; other things don’t remain equal. To fault the poor for not having an Aadhaar card or a Jan Dhan account only adds insult to their injury.

Callousness abounds: the Maharashtra chief minister decides that old notes can be spent on seeing theatre even as the poor go hungry because those notes are worthless to buy food. Juvenal admonished ancient Romans for caring only about panem et circenses (bread and circuses). The Maharashtra leader reaches lower depths, ignoring the bread, offering circus. “People die in ration lines too,” say Bharatiya Janata Party leaders, failing to note the irony of having rationed people’s own hard-earned savings.

It is trite to quote M.K. Gandhi, but in the days before he died, he wrote a talisman for spiritual freedom of the vulnerable. What would he have said today? Perhaps this: “Whenever you are in doubt, apply the following test. Recall the face of the poorest and the weakest Indian whom you may have seen, and ask yourself, if the step you contemplate is going to be of any use to him or her. Will he or she gain anything by it? Will it restore to him or her a control over his or her own life and destiny? Then you will find your doubts and your self melt away.”





Source : http://www.livemint.com/Opinion/u5tLpMWLTyhqjQ590pqG5L/No-the-poor-arent-sleeping-peacefully.html

Wednesday 9 November 2016

Rs 500 and Rs 1000 notes banned: Your questions answered by the RBI

Why this scheme? 

The incidence of fake Indian currency notes in higher denomination has increased. For ordinary persons, the fake notes look similar to genuine notes, even though no security feature has been copied. The fake notes are used for anti-national and illegal activities. High denomination notes have been misused by terrorists and for hoarding black money. India remains a cash based economy hence the circulation of Fake Indian Currency Notes continues to be .. 


read more here
http://economictimes.indiatimes.com/news/politics-and-nation/rs-500-and-rs-1000-notes-banned-your-questions-answered-by-the-rbi/articleshow/55320904.cms

#Rs500andRs1000

PM scraps Rs 500, Rs 1000 notes from midnight tonight: Rs 1000 rupee and Rs 500 rupee notes will no longer be a legal tender starting midnight tonight, says PM Modi.


"You have 50 days (From 10 Nov to 30 Dec) to deposit notes of Rs 500 & Rs 1000 in any Bank or Post office," said Modi.


"Those who can't sumbit the notes within the deadline, can exchange it at Reserve Bank of India by providing a declaration," the PM added.

20:16 PM's address to the nation:
- Our enemies from across the border run their business with counterfeit notes and it has been going on for years


- Black money and corruption has taken roots in the country, these are the biggest obstacles in eradicating poverty


- Our motto has been 'Sabka Saath, Sabka Vikas'. We will continue to fight poverty


- Every country's history has seen a phase where a strong measure was called for In all our policies, we are dedicated for the upliftment of entire society


Finance Ministry says: With a view to curbing financing of terrorism through the proceeds of Fake Indian Currency Notes and use of such funds for subversive activities such as espionage, smuggling of arms, drugs and other contrabands into India, and for eliminating black money which casts a long shadow of parallel economy on our real economy, it has been decided to cancel the legal tender character of the high denomination bank notes of Rs 500 and Rs 1000 denominations issued by RBI till now.This will take effect from the expiry of November 8, 2016. FICN in circulation in these denominations are comparatively larger as compared to those in other denominations. For a common person, the fake notes look similar to genuine notes.Use of FICN facilitates financing of terrorism and drug trafficking. Use of high denomination notes for storage of unaccounted wealth has been evident from cash recoveries made by law enforcement agencies from time to time.
High denomination notes are known to facilitate generation of black money. In this connection, it may be noted that while the total number of bank notes in circulation rose by 40% between 2011 and 2016, the increase in number of notes of Rs 500/- denomination was 76% andfor Rs 1,000/- denomination was 109% during this period. New Series bank notes of Rs 500/- and Rs 2,000/- denominations will be introduced for circulation from November 10, 2016.Infusion of Rs 2,000/- bank notes will be monitored and regulated by RBI. Introduction of new series of banknotes which will be distinctly different from the current ones in terms of look, design, size and colour has been planned.


Note ban to hit resale property market, small builders: Unorganised builders and secondary (resale) property market would be adversely impacted following the government's decision to demonetise Rs 1,000 and Rs 500 notes with effect from midnight, according to real estate developers and consultants.
Housing prices could witness downward pressure, helping revive demand in the sluggish housing segment, they added.


"We are moving toward the cashless economy which is a sign of maturing economy. It's a step in the right direction," DLF CEO Rajeev Talwar said.





"The blackmoney was mostly in land purchase. But in last 6-7 years, there has been no major land buying in this sector.Big builders and organised players are already using bank channel and they would gain from this decision. Unorganised players and the secondary market would be impacted," he said.




Asked about impact on real estate sector especially housing, Talwar said: "There could be downward pressure on prices, which will boost demand".





Sunday 6 November 2016

A Step towards Healthy Ageing

Santosh Jain Passi*, 
Akanksha Jain**

The ageing of populations is rapidly accelerating with increasing life expectancy worldwide. Ageing involves changes in physiological, pathological, social, and psychological conditions of the individuals; however, the resultant capacities and health needs of the elderly are not random. These are rooted throughout the life-course and can often be modified, highlighting the importance of a life-cycle approach. The aim of health care has changed enormously; joint family system has largely been replaced by independent living. This shift in family system can mainly be attributed to greater life expectancy, independence and self-esteem of the elderly on one hand, and on the other hand is the freedom of living/non-interference cherished by the younger generations. However, increasing life span is often accompanied by diseases, disorders and disabilities with their consequent loss of independence.

During the last few decades, major chunk of the disease burden has shifted to non-communicable diseases and resultant disabilities rather than pre-mature deaths caused by infectious diseases. Increasing life span and poor health care compound the degree of disability among the elderly and pose problems for the care givers. Meeting the specialised health care needs of the elderly with multi-morbidity is a great challenge being faced by the health-care systems across the globe. For the first time in history, majority of the individuals can expect to live beyond 60 years. Ageing population has, therefore, been a matter of great concern for the policy makers all over.

In the year 1901, India’s elderly population was just 12 million which rose to 19 million (1951), 77 million (2001), 104 million (2011) and it is anticipated to touch 137 million mark by 2021. Our country which houses the 2nd largest number of aged people in the world, has taken merely 25 years to double its elderly population.
Population (in millions)
Male
Female
Total
India’s Total Population
623.3
587.6
1210.9
Population aged 60+
51.1
52.8
103.9
              Rural
36.0
37.3
73.3
              Urban
15.1
15.5
30.6
Elderly as % of Total Population
8.2
9.0
8.6
                                                         (Source: Population Census 2011, SRS Report 2013)

Largely, the problems of elderly arise from inadequate income, lack of suitable employment opportunities, poor housing conditions, physical and psychosocial health issues, absence of social safety-nets, stresses and strains associated with changing family patterns and lack of appropriate post-retirement activities. Changes in socio-economic status adversely affect the elderly’s way of life. Therefore, appropriate ways and means of stress management need to be explored and implemented.

Age related physiological decline comprises changes in the normal body functions leading to poor mobility, failing vision, impaired hearing, eating/digestion problems, loss of memory coupled with inability to control certain physiological functions (particularly urinary- incontinence) and various chronic diseases/disorders. Rapid urbanisation and unhealthy lifestyle are the root cause of escalating incidence of age related chronic disease such as heart disease, cancer, diabetes etc. Economic dependency on children/relatives, loss of authority and lack of social recognition result in poor self-esteem of the elderly; and this situation is expected to worsen in the coming years.

For the elderly, appropriate nutrition is imperative for good health as it can affect the entire ageing process. Compared to the youngsters, elderly are more vulnerable since ageing is accompanied by diminished functional status including impaired muscle function, loss of bone mass, immune dysfunction, anaemia, reduced cognition, poor wound healing recovery and frequent morbidity/hospitalisation/surgery which can often result in mortality. With the changing scenario, elderly are usually left to fend for themselves which invariably affects their health and nutritional status. Due to reduced food intake and lack of dietary diversity, they commonly suffer from micronutrient deficiencies.

Despite multiple health problems, old-age should not imply dependence. Appropriate interventions including health promotion, disease prevention and primary to palliative care need to target the elderly so as to add healthy years to their lives! In 2002, WHO released a policy framework – Active Ageing which emphasizes the need for multi-sectoral actions to ensure that “older persons remain a resource to their families, communities and economies”.

The  increasing  proportion  of  elderly subject the welfare schemes and  health-care  systems  as  well  as  their families  under  pressure. The fact that more and more people will live longer, it will add to the existing burden of chronic diseases and disabilities – putting additional strain on the society. Therefore, the welfare policies/schemes and the health care systems need to be designed appropriately.

In India, Ministry of Social Justice  and  Empowerment in  close  collaboration  with  State  Governments,  Non-Governmental  Organisations  and  civil  societies develops  and  implements  various programmes for  the senior  citizens. Under the Scheme Integrated Programme  for  Older  Persons (IPOP), the Ministry runs several projects Maintenance of Old Age Homes and Respite Care Homes which include running of Multi Service Centres for Older Persons;
Maintenance of Mobile Medicare Units; running of Day Care Centres for Old Persons with Alzheimer's/Dementia; multi facility care centre for older widows; physiotherapy clinics; Regional Resource and Training Centres and several other programmes to benefit the elderly.

“Ageing well” must be a global priority!!

The concept of Active and Healthy Ageing needs to be promoted, which includes preventive, promotive, curative and rehabilitative aspects of the elderly’s health!!

To quote Dr Chatterji (WHO)“Collectively, we need to look beyond the costs commonly associated with ageing to think about the benefits that an older, healthier, happier, and more productive older population can bring to society as a whole.”

Our elders are the treasure house of unbeatable experience…we should respect them and care for them!! As there is a saying, “The best classroom in the world is at the feet of an elderly person”.

****

*Dr Santosh Jain Passi - Public Health Nutrition Consultant; Former Director, Institute of Home Economics, University of Delhi
** Ms Akanksha Jain - Ph D Scholar, - works in the field of Public Health and Nutrition.