Kind attention: Respected HRD Minister (S/s Prakash Javadekar), CBSE Chairman (S/s Rakesh Kumar Chaturvedi), Collectors, Media & all those who are interested in making Education meaningful and educational institutes accountable.
Sub: Urgent need of your kind attention and immediate necessary action to stop we don’t care attitude of many CBSE schools. Schools with this attitude are the cause of students with same attitude.
Many CBSE schools are turning nelson’s eye to the directive of teaching only NCERT textbooks from std 1st onwards.
Sad state of affair: They are going ahead with the usual practice of forcing parents to buy Unscientifically designed expensive private publishers text books which are making child’s brain as a dump of information and not as a bank of knowledge that can be put to use for problem solving – regarding.
- Ref: Only NCERT books at all CBSE schools. details at: http://timesofindia.indiatimes.com/city/delhi/only-ncert-books-at-all-cbse-schools/articleshow/57174456.cms
- CBSE asks schools to follow NCERT books details at:
- An example of knowledge dump text books & exercise books that parents are forced to buy eg. 3rd std students books: In total they weigh 12 kgs (bag+books+water bottle ext & student has to carry them to class in a mule’s back-pack!). An example of knowledge dump text books & exercise books that parents are forced to buy for a 3rd std students
Tot Text Books 18
Ex Books 4
Draing+ craft 3
Maths 3 Bks Hindi 3 Bks EVS 2 Bks ENGLISH 5 Bks Expected Number ofPages covered in1 Year 1500 ORIYA 2 Bks ITeh 1 Bk Drawing + craft 3 Bks.
- Most important CBSE receives request for 5 million only, shows the magnitude of we don’t care attitude of many CBSE schools: details at: http://www.india.com/education/ncert-books-for-cbse-schools-cbse-receives-request-for-5-million-1903476/
Following steps can reduce NAPs of Banks? will they consider?
Present financing pattern of Banks are:
a. Industry approaches D banks for finance
b. when D loan amount is very large a consortium of banks approach IDBI for refinancing.
IDBI is supposed to be an expert with knowledge of how industries work and their financial needs (unfortunately IDBI works as another financial institute with no knowledge about industries – with a little financial risk – it only refinances D loans given by banks & risk of recovery lies with banks (methodology is – refinancing is done with EMIs which banks are supposed to pay back as per schedule).
1. IDBI carries out project appraisal (Note: NAPs are the projects which are financed with a preset idea of financing the project at any cost) –IDBI thinks its sole objective is to fiance a project when it comes with a political clout – what may come – even when the project analysis shows it is nonviable & sure loss making unit.
2. no doubt IDBI have certain set norms to analyze a project before financing a project – they use computers to analyze the viability of the project – unfortunately they manipulate the parameters given by entrepreneur to make project viable to meet the financing norms – when it isn’t (an undesirable approach).
3. this manipulation of norms like i) implementation time ii) preproject expenditure iii) advertisement expenditure iv) product quality evaluation expenditure v) marketing expenses vi) gestation period v) pre production product wastage etc are very vital parameters which are provided by the entrepreneur with his project background – will no doubt make a project nonviable – yet financed.
It makes no sense to tamper with them by people (IDBI employees) who lack knowledge about them just to meet their financing norms – a sure recipes for NPAs.
4. Refinancing is a sure NPA & restructuring the loan to same management – when they fail to make it a profitable venture (a sure menu for NPAs) – they are re-financed by IDBI as it thinks it is their sacred duty to finance industries with political clout?
Findings: IDBI should come out of this culture to reduce NAPs just like Japan by learning a few methodologies followed by them to bring their country from shambles – after world war ii – to an undisputed industry & finance leader.
More details at how to manage failing ventures: https://sofjustice.wordpress.com/2012/10/05/we-can-find-solutions-for-many-failing-ventures-in-india/
The article is based on the experience of the author with IDBI, IPICOl & OSEDC.
He was associated with them in appraising some projects (analyzed with soft wares called bottom line analyzer & Microsoft 123). D analysis showed the projects are to be sure losers – unfortunately they are financed by manipulating the parameters – and indeed they all became NPAs – Electronics development corporation of Orissa is one along with many industries it financed. Many industries financed by IPICOL are no exception.
VINOD KUMAR BINNY sud play a key role with his unique experience; may be as vice-Prez of AAP or an equivalent post with responsibilities of “24×7 coordination” of all AAP limbs. Binny is uniquely experienced to play such a role! Post of a minister is too small for Binny’s abilities and hope he will understand this & work to strengthen AAP to expand its activities to national level
AAP’s unique experiment with SWARAJ (bottom up management with “many cross links” unlike conventional management structure) is a challenging task with many surprises & experiences to be accumulated to make it a successful productive management structure & needs a person with required experience in both the structures!
In the scheme of things of AAP Binny is an unique person with experience of both top-to-bottom & bottom-to-top management structures with many cross links? As such his experience sud be utilized in SWARAJ experiment by keeping him out of conventional management structure (a minister with limited responsibilities and structured reporting is not what is expected from him)?
He sud hold a position; created; which will be more flexible & interactive (like SUB-BRAIN in a human body) with PM; all MLAs & reps of mohalla-sabhas!
Don’t you think food security bill hyped as biggest welfare scheme is illogical/cheating people (420) for the following reasons?
Don’t you think it is illogical or cheating; make people believe that one time waver of farm loans and sustaining food security bill for ever are similar and they are welfare activities? – Debates on TV’s!
The debates give us a feeling that; they are meant to fool the people to generate vote banks or people have lost ability to understand the difference between bad money which has gone down the drain and money to be earned to spend it?
Farm loan waiver is a one time activity; bad debts accumulated over a period; and acknowledged by banks as not recoverable? It is; mustering courage to forget bad money (memories)?
No funds were needed to implement this scheme as funds are already consumed by borrowers; existed in books of lenders as non-performing assets?
No cash was needed to implement; farm loan waivers; as they are only book adjustments and at the best affected balance sheets of banks? It was one time activity to accept bad money; boldness/accept as bad loans or inability to recover them and write them off? Yet lot of corruption took place as many; who are not eligible and capable of bribing were the beneficiaries?
Food security bill hyped as biggest welfare scheme is illogical/cheating people (420); a few reasons and you can contribute a few more reasons?
1, a. Government has to find real cash year after year to dole out subsidies to support 67% of population on sustainable basis.
Everyone with basic economic knowledge of state economics; know; funds cannot be generate on sustainable basis to support 67% of population?
Possible options available to generate funds: Like diesel and petrol subsidies; (a joke) of taxing the products heavily and transferring the taxes as subsidies to consumers; shifting money of consumers’ right pocket to left pocket in the guise of subsidies?
Don’t you think this process of collecting taxing and transferring them back in another form of subsidies is an inefficient way? taxing the product low; to mach the end subsidized cost will be more effective; scope for less corruption etc. and may be a sensible way to keep prices low and worth considering?
b. earn money from natural resources to spend – not available as they are not sufficient for greedy to loot ( through scams).
c. foreign debt can’t be a solution as it leads to debt trap.
d. tax 33% heavily; to generate funds to sustain subsidy bill – not possible as present rate of taxes and fiscal policies has driven the country into the clutches of black economy.
The only alternative left is to tax majority of the beneficiaries of food security bill heavily in one form or other; make them paupers; build vote banks; to accept; food subsidy doles with gratitude – 420 and deception to lure the people to believe that they live in a welfare state; when it is not.
2. Food security bill and lack of infrastructure only leads to more corruption and loot as our experience of over 50 years of cong rule shows; help rich become richer and poor poorer and looters more bold?
Don’t you think; the bill makes one wonder; how India survived so long with such poor economists who don’t know the difference between bad money and real income generation?
vote bank politics is encouraging looters and driving Indian economy to shambles?
Sonia EICo – Scam in brewing?
Sonia Gandhi: Annexation through Technicalities- Arun Shourie
it sheds light on how Sonia Gandhi has lied, broken laws and looted the country? – Moderator
Don’t you think all people can be fooled for some time; and some for all the time and not all for all the time?
It is a wakeup-call to all nation loving MPs belonging to all parties? For once they should come together; think logically; and help Indians to be proud of them!
Accountability at all levels makes a nation safe and prosperous.
We should instill fear in the minds of those who commit crimes against women?
In the event Govt fails to call for an special parliamentary session for 3 days; on an issue which concerns 50% of population (females); and the whole country is agitated; President can use his powers to summon the session? He may not act as he is obliged to Cong and keep quite as in the case of his sons comment on women?
Instill fear in the minds of those who commit crimes against women?
Top brass of Cong and MMSg are confused under mounting pressure of harsh punishments to rapists?
They want public to give suggestions; writes letters to CMs of states to give suggestions to commissions and thinks parliament debate and necessary suggestions emerging from the debate in dedicated special session of parliament for 2 to 3 days are useless? Parliament also sud discusses the punishment of surgically removing testicles and let the culprits live like vegetables for rest of their life apart from harsh prison punishments?
Cong and govt under pressure are confused and taking illogical decisions and mishandling an issue which is agitating the whole nation? http://zeenews.india.com/news/delhi/delhi-gang-rape-sonia-gandhi-makes-suggestions-to-govt-for-stricter-laws_819998.html
Police used excessive force on protesters: VK Singh Jan 01, 2013.
“We need to respect women and if we can’t do that, we shouldn’t consider ourselves humans. There is a need to instill fear in the minds of those who commit crimes against women,” “I completely support the youths and their anger is justified. If people want laws to protect their mothers and sisters, then the government and opposition should work on it, I completely support the youths and their anger is justified. If people want laws to protect their mothers and sisters, then the government and opposition should work on it,” Singh said.
He added that a special session of parliament should be called to frame laws that ensure safety of women. http://ibnlive.in.com/news/police-used-excessive-force-on-protesters-vk-singh/313287-3-244.html
Indians should demand a National monument and resolve not to let Nirbhaya fire die! https://sofjustice.wordpress.com/2012/12/31/dont-let-nirbhayas-fire-die-present-india-is-not-what-freedom-fighters-wanted-we-are-ashamed-of-it/
India Awake “Don’t look back—forward, infinite energy, infinite enthusiasm, infinite daring, and infinite patience—then alone can great deeds be accomplished” – Swami Vivekananda.
Don’t let Nirbhaya’s fire die – Present India is not what freedom fighters wanted – We are ashamed of itPosted: December 31, 2012
Nation sudn’t let Nirbhaya’s fire die?
Indians sud demand a National monument? Women sud get equal rights and full protection? More..
Government sleeps on police reforms, keeps burdening men in khakis with more and more work 31 DEC, 2012
Only crying baby gets milk; cops sud demand their rights? Govts sleep on police reforms? Cops are not 3rd rate citizens? Govts protect who are looting country but no funds for police reforms and to protect aam admi? More..
Police action on protestors marks failure of govt’s outreach
When it comes to reaching out to the Aam Admi, ‘sab theek nahi hai’! December 28, 2012 http://ibnlive.in.com/blogs/rajdeepsardesai/1/64178/rajdeep-sardesai-police-action-on-protestors-marks-failure-of-governments-outreach.html
The unexpected National force; came out of nowhere and knocked the most powerful off their perch?
Kejriwal, his tactics, has a much bigger impact on us, the hitherto slumbering middle-classes than anyone in recent times? It tapped into a deep, deep core of discontent?
Many villages, towns and cities across the country — are rape capitals in their own right where the only law is the law of the jungle?
Almost all political parties and many corporate houses are stake holders in ‘operation loot India’?
People of India have shown; through the force of numbers and their grit and quiet courage as the police wielded their lathis and the government deployed unprecedented force that they were no longer willing to accept the lassiez fair attitude of the political class that has passed for governance these past years? Amanat’s rape was the last straw!
The politician, sees his job as no more than any other business enterprise, seeking to make a living the only way he knows how?
Great power does come with great responsibility and most of India has abused that power?
Unexpected national force (Nirbhaya – fearlessness) sud not die – present India is not what freedom fighters wanted – We are ashamed of it?
We have to cleanse our political system; then only we can think of real democracy?
Accountability at all levels makes a state prosperous and safe.
Awake India: “Don’t look back—forward, infinite energy, infinite enthusiasm, infinite daring, and infinite patience—then alone can great deeds be accomplished” – Swami Vivekananda.
PM should #ACT fast? More https://www.facebook.com/photo.php?pid=1705601&l=30b8b846bc&id=424429107582290
Sweeping all committee reports pointing to the corrupt;l under carpet by mobocracy; not giving sanctions to investigate the corrupt and take action till SC raps; eye wash GoM’s or EGoM’s recommendations; with an intention; not to implement them etc., are the causes; eroding the image of India? More https://sofjustice.wordpress.com/2012/09/24/game-plans-of-loot-and-scams-judicial-remedies/
Sooner our elected representative realize, that “they can fool all for some time; some (who follow them blindly) for all the time; but not all for all the time”, the better? More understand freedom + democracy https://sofjustice.wordpress.com/2012/07/21/awake-understand-freedom-democracy-message-to-all/
PM should not allow any one to call India as a banana republic and Indians as mango people? If he refuses to take action on such comments; he should know the reaction of the world communities? It is a direct comment on his abilities to handle the affairs of India? More http://www.facebook.com/mulakalachandrasekhar/posts/366255263452167
Some corrupt politicians can’t treat investigating agencies as 3rd rate citizens and expect all of them to accept such treatment for long? More http://www.facebook.com/mulakalachandrasekhar/posts/491422480877653
PM is left with two options only? Act fast and accept for SIT’s to investigate serious corruption charges against mighty in high places or live and die with the image given by media all over the world and people of India to him? CHOICE IS HIS?
All are remembered for their deeds after death; as Ram or Ravana and public image never fades?
PMs speech: ” The mindless atmosphere of negativity and pessimism …….” http://pmindia.nic.in/speech-details.php?nodeid=1233
Awake India: Accountability at all levels makes a nation prosperous and safe.