INSURANC SECTOR REFORMS

INSURANCE SECTOR needs
a STRUCTURAL REFORMS

1> Why Can not Insurance Companies operate as
Banks do in simple way....

2> Why there should be insurance agents at all -
They must be employed as bank employees and should
have offices exactly like that of banks.

3>  Why PSU Bank insurances which are very efficient insurance tools
are not marketed well? Is Government trying to kill Public Sector ?

4> STANDARDIZED and SIMPLIFIED Few models/Plans  of  Life
insurance / Medi-claim / Accident Benefits /Motor insurance /travel
insurance etc should be launched

5>  There should not be virtually any unnecessary competition in Insurance - Private
or Public companies. Only Zones should be divided geographically.
It should  just become like how Reilance Energy Ltd and Tata power
provide electricity to Mumbai.

6> This will make each one happy (except corrupt people in Insurance industry and
IRDA ) This will make everything speedy. Speedy marketing, speedy operations,
speedy claim disbursal. Efficient and cost effective and time effective systems.

Many more poor and middle class people will be served and there will not
be any confusions in people's mind. All Marketing cheating and multiplicities
of complex Plans will be eradicated

Warm Regards
Mr. Bankim Shah

Why There is so much False propaganda by corporate sector to reduce fiscal deficit and its target etc.

CII , ASSOCHEM - all these associations of private businesses;
have no business but to misguide the nation about so called
bad state of Government spending etc. whereas it is corporate which needs
to reforms itself and contribute something positive to nation and not become
beneficiary of privatization and looting natural resources and land in Free.
According to  Karma's theory , these  are the next batch of people who will
soon be dethroned and will be living ordinary lives like how descendants
of princely states are living in India.

Below are data of Fiscal deficit 4.12 Lakh Crore which is just
2.5 imes of Scam by A. Raja.

India's External debt is also only 10 Lakh Crore which is
67 times less than US external debt which is 671 Lakh Crore

Why do our politicians and Corporate hide all these glory
of Indians from India ?

Why do our politicians and corporate India try to make simple facts
so difficult so far  ??

Whom they are feared of  ?  - Are they feared of confidence
and awakening of common man?

Whom they are saving? Which countries they are saving?
Which countries  these people have their stakes in?

It is so easy for us to repay our external debt and take care
of our fiscal deficit even RIGHT NOW , even before
we have not received all the Indian black money abroad and in India.

So why our Politicians and our corporate don't speak out and
deprive a common Indian of his glory, status, money, facilities
which he deserves??
=================================IMF data 2010

    US GDP  = 674 Lakh Crore INR
    India's GDP  = 71 Lakh Crore INR

=================================================
External Debt of USA

4,590,000,000,000 US $  = 14.59 trillion US $ =  671 trillion INR
                        = 671 Lakh Crore INR  (99% of GDP)
         
                         ( 67 times that of India)
                        = 22,36,666  INR  per capita   
        approx                = 22 Lakh INR per capita   
                           
================================================
External Debt of India

237,100,000,000  US $  = 237 Billion Us $ = 10902 Billion INR 
                                                                          = 10,90,200 Crore INR
                                                                          = 10 Lack Crore   INR (15% of GDP)

                                                                          =  8,264 INR per capita
================================================
Budgeted fiscal  deficit  of India in Financial Year 2011-12
is 4.12 Lakh Crores  which can be recovered by avoiding 2-3 scams like that of 2-G
==========================================

Warm Regards
Mr. Bankim Shah

World Corruption is 1.3 % of Word GDP

According to transparency International ,

Internationally worldwide Corruption is 45 Lakh Crore INR  per annum

( 1 Trillion $) per annum

India's corruption is 4 lakh Crore INR   per annum

World GDP (oct 2010, IMF data) = 74,264,080 Million  US $ = 74.26 Trillion $
                                                     = 3416.14 trillion INR
                                                     =  3416.14 Lakh Crore INR


World corruption = 45 Lakh Crore INR 
World GDP  =  3416 Lakh Crore INR

So world corruption  comes out to be 1.31 %  of World GDP


I don't want to undermine the injustice caused by social, economical,political injustice
The only thing I want to stress is the Demon of
corruption is not as we imagine

So now we can fight it with full confidence.

Corruption per capita for global citizen =
45 Lakh Crore INR / 700 Crore = 6428.57 INR

Corruption per capita for Indian Citizen
= 4 Lakh Crore /120 Crore  = 3333.33 INR
Easy to solve and fight now ????

This is only economical  data  ----
When it gets converted into social, military, political insults, damage, hazards to life styles and lives it becomes horrible...

(Other Facts : 1  trillion = 1 Lakh Crore
                        Indian GDP futuristic 2012 = 90 Lakh Crore  (270 Lakh Crore with PPP)                    
                        US GDP      = 810 Lakh Crore
                        World GDP = 5 times of USA GDP = 3416 Lakh Crore
     )

Warm Regds
Mr. Bankim Shah

Movement widespread

What ingredients Anna's or any mass
movement should have in present or
next time...( i just thought about it)

Trade Unions striking /supporting,
Government  Unions,
Student Unions,
Professional Unions

Non Co operation Movement
*  People should stop buying /consuming alcohol etc.
* Stop buying "Imported " goods
* Stop buying coke/pepsi/Mcdonald
* crackdown corruption of single corrupt people like corrupt police officer, one by one
etc..................

Warm  Regards
Mr. Bankim Shah

EXPOSE NRIs (Non Resident Indians) - Especially American Indians

Yes when they were doing good and sending US $s back in India;
They were appreciated ;
Now when they are taking all their savings back to run their
spendings over there because of their unemployment etc.
Let even Layman and common person in India know about them
This information (genuine one) should come in all News papers........
There are many articles which already come in English papers like
Times of India.

However Parents of NRIs, becoming desperate to save their skin,
are trying to do all kind of misstatement, all kind of money transfers,
Criminal and corrupt things......

Some Facts about NRIs : This is all in Internet.
There are many surveys done on NRIs

1> Since 2008, These people have taken so much of money
abroad from their Indian accounts to spend their living abroadin rough times like unemployment.

2> they have also sold their properties , assets in India to
pay their mortgages / loans taken for homes, cars, education.

3> Most of the people who are so called in Information technology and
IT enabled services are working with Call Centers and BPOs in reality;
the sophisticated names are IT/ ITES

4> Today, Top salaries in USA are of the tune of 85 lacs INR p.a  for few
faculty like Surgery etc. Else the general salaries have come down to
around 45 lacs INR p.a. for computer related jobs and even less in deed.

5> Not only the scales of salaries ( What i have mentioned above is
very much on higher  side) have gone down but Mass retrenchment
has started.. Some 4 Crore US citizens sleep hungry and about 1.5 Crore
are Unemployed since 2008. This number must have shoot up
in last few weeks

6> around 82 % of NRIs want to come back but they are scared of facing
Indians whom they used to treat like animals or used to laugh at them.
Even those who work in fortune 500 companies wish to come back.
This is because life in India for rich and "HAVES" is quite comfortable than
their  lives in USA.  Overall employment/ business/ money making  opportunities
are also much much more in growing economy.

7> Only very poor people, who don't have any savings or property
 think that after coming here they will not get any level playing field just like
Indian poor or commoner does not have.

This is just a first hand information, If i will get more detailed information
I will write more in other write ups
Warm Regards
Mr. Bankim Shah

FOOD PRICE HIKE : CITY FARMING IS THE SOLUTION

Yes. If  Mumbai, Pune, Benglore , Delhi - all Cities and
all rural areas are made self  sufficient with respect to  their  own city
or village,  Food price will come down. Nobody will remain hungry.

Like USA and Russia (and many more countries) which have
extensive city farming;

Imagine the  terraces of all buildings in Mumbai are having farming
done by agricultural workers. (In Mumbai Port Trust, very successfully
farming is done. There are many competent  Activists who create Free guidance
workshops  in Pune, Mumbai, Banglore)

Advantages :
1> Self sufficient cities and villages
2> Employment to many - agricultural labor
3> Unnecessary and corrupt Transportation and intermediaries are removed.
4> Total Food Kitty of the Country is increased.
5> Cities are bestowed with Greenery, Nature which are  anti dot to pollution.
6> Organic farming can be  promoted. more cows can be used.
7> Different crops like grains , pulses, vegetables, fruits , flowers (in the same order of urgency which is the basis for food security) can be grown.
8> This would add tremendously to total farm produce and already booming agricultural GDP of the country.
9> New power equations.
10> Pollution free Cities by creating green cover.
11> There are 10 Crore domestic labor and other Crores of agricultural labor who will get better job and lifestyles - so BIG BLUE COLLAR EMPLOYMENT


Warm Regards
Mr. Bankim Shah

CARS ON BOTH THE SIDES OF SMALL STREETS ARE BLOCKING THE ROADS OF MUMBAI

CARS ON BOTH THE SIDES OF SMALL STREETS ARE BLOCKING THE ROADS OF MUMBAI

CAR OWNERS BULLYING MUMBAI - AUTOS , PEDESTRIANS

CARS ARE STANDING  ON BOTH THE SIDES  OF  MUMBAI  ROADS , ESPECIALLY   the small lanes  are  reduced totally  in size by  BIG  Cars

First of all these Cars are taken on lonas  by corporate/MNC employees. It is public Money and Corrupt Corporate want to  empower their  Chamcha
employees to  own BIG Cars.

These Cars are normally lying unused in small
Streets and are occupied by their drivers who are
sleeping all the time.

These Big Cars regularly beat up Auto Rickshaw
driver if they are little slow , especially these Rickshaw
drivers are taking in senior citizen passangers in and taking little time.

The biggest cause of death in India is by Road Accidents - around 34 % ; so very few are dying
naturally may be less than 10 % ; other causes are
infection, diseases etc.

WHY ROAD TRAFFIC AUTHORITY
IS SLEEPING AND NOT TAKING ACTION ON
THOSE WHO PARK ON WRONG SIDES
THOSE WHO HAVE FAKE LISCENCES
THOSE WHO ARE BAD AND ARROGANT DRIVERS

HOW MUCH REVENUE IS LOST BY GOVERNMENT
IN NOT FINING AND LETTING GO THE CULPRITS???

A RULE SHOULD BE FOLLOWED
NO PARKING PLACE = NOT OWNING CAR

(THIS IS FOLLOWED IN GUJARAT)

THOSE CARS WHICH ARE REGULARLY PARK ON THE STREET SHOULD BE CRUSHED TO DUST BINS


Warm Regards
Mr. Bankim Shah