Thursday 29 June 2017

नावात सगळं आलं

http://www.economist.com/news/briefing/21723815-tax-reform-does-not-go-far-enough-land-and-labour-reforms-have-barely-been-tried-narendra-modi

Economist वृत्तपत्राने अलिकडे भारतात येऊ घातलेल्या GST करप्रणालीवर (माझ्या मते संतुलित) टीका केली. यावर माझ्या मित्रवर्तुळातून अशी टीका आली की "ह्या स्तंभाच्या लेखकाचे नाव वृत्तपत्राने प्रसिध्द केले नाही त्यामुळे लेखास credibility नाही."

तेव्हा मी म्हणालो की 2013 साली Economistने याबद्दल स्पष्टीकरण दिले आहे:
http://www.economist.com/blogs/economist-explains/2013/09/economist-explains-itself-1

"Why are The Economist’s writers anonymous?
Because it allows many writers to speak with a collective voice
LEADERS are discussed and debated each week in meetings that are open to all members of the editorial staff."

परंतु मंडळींचे समाधान झाले नाही.

आता पाहा...काय लिहिले आहे यापेक्षा कोणी लिहिले आहे यावर आपण चर्चा करत आहोत. हे आम्हा भारतीयांचे वैशिष्ठ्य आहे.

Economist मध्ये जे लिहून आले आहे त्यावर मतभेद असू शकतात परंतु मूळ हेतूबद्दल आपण साशंक असावे असे काही मला स्तंभात दिसले नाही.

GSTचे उदाहरण घेऊ. चला, सरकारी तज्ञ म्हणतात GSTने करोत्पन्नात वृध्दी होईल, आम्ही म्हणतो बरं आणा GST. परंतु प्रश्न असा पडतो की करोत्पन्न वाढवायच्या guaranteed व ज्यांनी जनतेला बिल्कुल तोशिष पडणार नाही अशा साधनांचा आधी अवलंब का केला जात नाही? उदाहरणार्थ Hindu Undivided Family नावाची tax entity. बरखास्त करा. त्याचा वापर करून करोडो रुपये कर बुडवला जातो. पण ते करायचे नाही. हितसंबंध आहेत.  GST, demonetization यासाखी धेंडं नाचवायची. ज्यांचा चांगला वाईट असर अनेक वर्षांनी जाणवेल.

"FEW countries would see a tax requiring some businesses to file over 1,000 returns a year as an improvement. But India might. A nationwide Goods and Services Tax (GST) is set to come into force on July 1st.

The GST, although welcome, is unnecessarily complicated and bureaucratic, greatly reducing its efficiency."

यात आक्षेपार्ह काय आहे? मग ते नोबेल विजेत्याने लिहिलं काय किंवा एखाद्या सोम्यागोम्याने लिहिलं काय.

तथ्य असलेलं पण आपल्याला खुपणारं लिखाण आढळल्यावर थेट लेखकाच्या किंवा प्रकाशनाच्या हेतूबद्दल शंका प्रकट करण्याच्या आपल्या (including me) प्रतिक्षिप्त क्रियेस आळा घातला पाहिजे. हा स्वभाव भारतीयांच्यात इतका भिनलेला आहे की जागतिक पातळीवर गेल्यावर सुरुवातीला बहुतेक भारतीय यामुळे गटांगळ्या खातात. काही नंतर भानावर येतात, बरेच तिथेच अडकून पडतात.

Anyways हा "Credibility by name" प्रकार विचित्र आहे.
नाना पाटेकर शेती संकाटाबद्दल काहीही बोलतो पण खपतं.
पण "मिलिंद मुरुगकर" ह्या नावाखाली आलेल्या मतांना लोक महत्त्व देत नाहीत.

Tuesday 27 June 2017

RUPESH GESOTA

Today I visited a Municipal School (मुनशिपाल्टी शाळा) in Airoli, Navi Mumbai. I went to meet Rupesh Gesota, who calls himself an "engineer-turned-math-teacher". Among other things, he works with a set of slum kids in Airoli, coaching them in Math using what he calls his "Inquiry & Discovery" techniques. Basically, these kids think and teach themselves.

Among the kids I met was Rohit. Read here what this 12 year old kid stumbled upon recently:
http://rupeshgesota.blogspot.in/2017/06/discovering-formula-for-area-of.html?m=1

A French teacher took note of this and published a video which you can find embedded at the above link.

PS: Rohit has just passed his class-7 from the  Marathi medium municipal school and lives in the slums surrounding his school, with his parents and younger brother.

At the municipal school I also met a gentleman by the name Sudhakar Sonawane. Mr. Sonawane has no qualms admitting that he is illiterate but says that he is determined he will educate as many poor kids as he can.

An introduction to Mr. Sonawane and you need to sit down on this one...he is the *MAYOR OF NAVI MUMBAI*, one of the richest municipalities in India. I found him loitering around the school yard on a Sunday feeding chicken strutting around the school compound. He told me kids need to be around animals hence he raised chicken around the school yard. Adjoining the school is a huge garden patch where Mr. Sonawane raises vegetables. He pointed out to a  structure which houses a makeshift swimming pool and asked me, "What?! Can't poor kids have a pool of their own? ".

Mr. Sonawane is Rupesh's supporter-in-chief.

Accompanying me were my son who is entering his second year of Math undergrad, a friend who I call "an amazing Math missionary teacher" and my daughter. My friend was bowled over. He is going back to teach those kids Combinatorics & Calculus - he feels they are ready. My son says the kids are miles ahead of where he was at their age.

Rupesh and his prodigies work daily out of a terrace loft in the school building. The entire school staff "studiously" ignore them.

On the wall we saw a chart in which the kids had constructed numbers 1-100 using digits of the current year 2017 in sequence and basic mathematical operators - try that for size.

Rupesh Gesota's YouTube channel has around 30 videos of his under-privileged (read " slum resident") students solving Math problems  independently and even in groups.
https://m.youtube.com/channel/UCWxFLepEX2rJnuIJSfyIUkA

All in all a very different Sunday.

Wednesday 22 February 2017

THE INK-SMEARED FOREFINGER

On 21st of February 2017 the city of Mumbai went to the polls to elect its 227 corporators who would represent the city's population in the Municipal Corporation of Mumbai.

By 9 AM on that day the following rich and famous celebrities had appeared on TV, displaying their ink-smeared forefingers as proud testimony of purportedly the holiest of civic duties that a citizen of the city can perform viz. voting in elections to elect public representatives: Sachin Tendulkar, Rekha, Zoya Akhtar, Ranveer Singh, John Abraham, Raj Thakeray, Sharad Pawar, Devendra Fadnavis, Kiran Rao et al.

On the same day the following routines also played out across the city.

Somewhere in the northern suburb of Kandivili a man woke up at 5 AM. He had to travel to Panvel to get to his job as an electrician. A 2.5 hour commute awaited him. He left home at 6 AM to reach work at 8:30 AM. The polling booths would open at 7:30. By the time he would get off work it would be 5:30 PM, exactly the time when the booths would close. As per the law his employers had to give him a 2 hour break to be able to vote. It was not enough time to make the 2.5 hour journey back to Panvel to vote. Meanwhile it is possible that Mr. Tendulkar probably rose at 6 AM, did the treadmill in his personal gym, had a hot shower and presented himself at the breakfast table while Mrs. Tendulkar instructed the bawarchi of Sir's gastronomical desire of the morning.

Somewhere in the North-eastern suburb of Mumbra a streetside hawker  woke up at 4  AM in his 10x15ft slum tenement to line up to fill water at a common community tap. The water supply  would start at 5 AM and last until 6 AM. After lugging back 5 buckets filled with water to his shanty, the man had to queue at the community toilet 200m away to relieve himself. He had to  reach Fashion Street in Churchgate at 8 AM to open his stall as early as possible, so that he could return to Mumbra by 9 PM with the princely sum of approximately Rs. 400 which was his earning for the day - if it had been one of his good days. The election booth where he is  registered would open at 7:30 AM and close at 5:30 PM.  While the man was queueing up for water, Mr. Thackeray was presumably still asleep, having been certified by Mr. Pawar as a late riser.  And why not! - his back-to-back meetings with his party lieutenants the previous night, predicting his party's seat projections in the elections must have sapped his strength.

At Prabhadevi a mother was woken up at 4:30 AM with the sound of her 5 year old son crying. The kid had a touch of fever. As the lady woke up, the rest of her day flashed across her mind's eye. She had to cook for  her husband's lunch dabba, then take her son to the doctor 2 km away after which she would drop him at her mother-in-law's place. The doctor, the mother-in-law and the voting booth were in three different directions from her home. She needed to join all three dots and then rush to Dadar station so that she could reach her work place by 9:30, 30 minutes late. She works as a clerk in a bank.  I leave it to your imagination as to what Kiran Rao was doing while this mother was walking the tightrope of a daily routine.

There is reason to believe that a large number of Mumbaikars do not vote because one or more parameters of the calisthenics of their daily routine went awry on election day.  When required to choose between wages  and an exalted civic duty, they choose the former.

The killing daily schedules that a majority of working Mumbaikars keep, are tenuous threads by which their existences hang. Every day several of these threads snap. Some are restored after a lot of pain and regression. Others are not, sending those hanging by them hurtling into an abyss of penury. Is it these precariously hanging lives that our celebrities pontificate to, when they appear on TV, immaculately dressed, well barbered, perfumed, brandishing their inked forefingers?  Should we also expect them to point their inked fingers at their politician friends and tell them that maybe the voting percentage might be higher if those wretched souls had decent, free neighbourhood schools to send their children to, if they had a mass transit system which ferried them to their place of work within 45 minutes at no more than Rs. 5 a trip?

The more I think about it, the more it amazes me that 45% of Mumbaikars always find time to stand in queues to cast their vote on election day.  It also puzzles me to no end when we call 45% a "low voter turnout" in a city where at times it takes 45 minutes to make the trip from home to the nearest train station. And what awaits them as a result of having discharged this most sacred of democratic responsibilities? A grotesque status quo carefully constructed out of perpetually dug up roads, a bus service which is as fickle as the English weather, and traffic snarls which render "rush" hours static.

So have a heart and applaud the citizens for not turning into Maoists. After you are done having a heart, pick your brain and think of the following.


Why do we assume that a 45% voter turnout is so low that it cannot reliably represent the collective wish of the people?  So here's a statistical ponderable...

If 45% of voters register their votes in Mumbai Municipal Corporation elections then what is the probability that the same party would come in first position as would have come had 100% of voters registered their votes?

I am convinced that the probability would be very high.  Good opinion polls get it right and their sample sizes are miniscule, maybe 0.001%. 45% voting is a sample of massive size. The result yielded by an election with 45% voting percentage is highly likely to be the same as with say a voting percentage of 70%.

Further, the voting percentage might be directly proportional to the unemployment rate.  If one does not have a job, one will definitely go and vote to vent out one's frustration and also to feel important.  Thus, a higher voting percentage in Mumbai may not necessarily be good news in all respects.

All in all, the voting percentage is in all likelihood a statistic which we don't really comprehend.

The undue importance accorded to the voting percentage manifests in bizarre ways.  The Chief Justice of the Supreme Court recently commented thus in court - “One can’t blame the government for everything. If a person does not cast his vote, then he has no right to question the government.” (http://www.hindustantimes.com/india-news/if-you-don-t-vote-you-have-no-right-to-blame-government-says-sc/story-1x94nFr2CwUFjUiclIhLcM.html)
I agree with the part that says "One can't blame the government for everything".
But I am stupefied with the statement "If a person does not cast his vote, then he has no right to question the government.”

I thought every citizen of this country has the right to question/blame the government.  So are we now seeing a redefinition of the "citizen" entity?  The laws of the land are very explicit about who is a citizen and who isn't.  But the honourable judge's proclamation leans towards hinting that anybody who does not vote does not qualify to be a citizen.  I hope the learned judge said this in a fit of angst and did not really mean it.  But behind his statement might be lurking a dangerous twist to the definition of citizenship.  As it is the prevalent expectations out of all of us regarding patriotism make a lot of us uncomfortable.  In that backdrop the judge's statement should worry us all.  If people can get thrashed for not standing up for the national anthem, who knows what punishment might be meted out hereafter for not voting?

The huge focus on the "voting percentage" may not be as innocuous as it seems. To me it seems to be part of a larger and deliberate mindgame, a series of psychological tactics employed to perpetuate the oligarchy in our country.

For at least the past decade I have noticed that the administrators and elected representatives have been singing a new song which I call the "Not us, but the apathy of the citizenry is responsible for the state of affairs"  tune.  While they sing this tune, celebrities pirouette around them like cheerleaders, sticking their forefingers smeared with ballot ink in the cameras.  I wonder whether citizens understand that this is a deceitful pantomime act.  I have my doubts because, after watching this show on TV, ordinary citizens themselves post images of their own ink-smeared forefingers on Whatsapp and Facebook.  This year the carnival was draped in the Chief Minister's grandiose tweet - "Thank you Mumbai for the record voting percentage and ... for participating in festival of democracy!"  In this melee, it is very difficult to distinguish between cop and thief, predator and victim, guilty and guileless, wily and naive.

Let us recite some of the verses of the song referred to above.  An Assistant Commissioner Of Police (ACP) was posted at the police station in my locality a few years ago.  Nice person - articulate, amiable  and engaging. He once took the initiative and held a citizens' meeting.  The folks gathered there started complaining - "You need to get rid of the drug dealers and addicts in this locality.  Vehicles travel in both directions on our one-way street." etc.  The ACP was an astute man.  While replying, he waved his burly arms in the manner of a person warmly embracing another and said, "We need your cooperation.  Citizens and police should work together.  You should provide us with information.  If we work together, we can solve all your problems."  Our ward officer of the Municipal Corporation advised us on similar lines - "You should form an Area Locality Management Committee.  We should meet at the municipal ward office on every Saturday."

I have always grappled to come to terms with such exhortations.  Are we supposed to work with public officials in addition to doing our jobs or running our businesses?  As a measure of reciprocation, will government employees come and help us with our duties in our places of work?

The fact is that our administrators and elected representatives have graduated to a new level of audacious cunning.  They have figured out the key to their survival.  If I were in the business of selling alcohol, I would hope for 100% alcoholism in society.  If I were in the business of selling smart phones, I would want to see 100% smart phone ownership within the population.  Naturally, those whose prosperity is inextricably linked with the electoral process would aspire for 100% participation in it.  If the voting percentage were to regularly drop, the country would be quick to question the relevance of the same.  What would follow is replacement of the current process by an alternative, thereby leading to unemployment for the oligarchy that is currently firmly entrenched in the current system.

Put simply, Indian politics is a business in which the sellers sell their product and collect their payment once every five years.  The product is never delivered.  Little wonder that the salesmen and their propagandists put in a herculean effort to increase the participation of the guileless consumers in this business wherein the seller is designed to win at all times and the buyer is set up to lose at all times.

Sunday 19 February 2017

गणपत गोविंद तेलप

मराठी व्यक्तिचित्र "गणपत गोविंद तेलप"



Please click the link below
https://drive.google.com/open?id=0B3Lr8h4I9j1wT2VqeVlteEg0aUU




Saturday 21 January 2017

Demat

I was fortunate to be invited to attend a function held recently to celebrate the 20th anniversary of the birth of NSDL - National Securities Depository Ltd. (NSDL).

Earlier in the day I was even more fortunate to have spent an hour with an outstanding, dynamic and young executive of NSDL. On my request he patiently explained to me how online trading in India works - NSE, BSE, NSDL, CSDL, brokers, depository participants,  electronic settlement, demat accounts, trading accounts etc. The young man drew neat diagrams on my whiteboard for me. He wasn't even obligated to - they are esteemed customers of the organization I work for. Only passion could have made him educate me thus.

 At the end of the most invaluable and educative session I felt overwhelmed. In spite of my 30 years of work in banking technology, I found the enormity of the system daunting - just thinking of it. Those of us who use online trading and demat accounts are used to buying and selling shares with a few mouse clicks. What those clicks unleash is mammoth. Awestruck, I said to him, "Isn't this the real economic reform story of India?". He smiled and nodded. The conversation then turned to the economic and administrative doyens who made it happen, the doughty folks who started it all 25 years ago. I was in any case looking forward to hearing the speech of the honorable Mr. UK Sinha, the current chairman of SEBI who is one of those visionaries.

The one name which kept on popping up in the conversation that afternoon and later in speeches at the ceremony in the evening was of a gentleman, who people at NSDL affectionately call "CBB".  Mr. CB Bhave, an IAS officer who led SEBI in its formative days.  Mr. Bhave's name is etched in history as one of the most outstanding regulators India has seen.

Mr. UK Sinha in his address said, "Dematerialization is the single biggest economic reform that India has seen".  That is a million dollar statement for multiple reasons.  Firstly I believe it to be true.  As more and more Indians look at securing their fiscal futures by building their corpuses, they will turn to the capital markets, be it stocks or mutual funds.  The risks of capital markets and the management of that risk apart, dematerialization has ensured that a graceful and efficient platform for these investments is in place.  My generation (1960s born) is yet converting from bank deposits to securities.  However it is very obvious to me that for the next generation (nephews, nieces, offspring), capital markets is the starting point. Secondly, it is an example of economic reform that can be carried out without a politicized, vitriolic, divisive debate involving the entire citizenry.

The story of SEBI and NSDL should serve as an inspiration to bright young minds to work for the state, who would otherwise succumb to the popular notion that public sector jobs are inherently unenterprising and hence best avoided.  In fact in a country like India where the public sector addresses problems involving millions of people, it affords opportunities for excellence that have few substitutes in the world.  That is the learning for me from this recent experience.  It is good advice to give to youth if and when they seek it.