Thursday, March 27, 2008

my " love -visual DNA "

http://youniverse.com/love/results/bcb80da3539cfae1f0a3bdd349cff742#

Saturday, March 22, 2008

The Seven Words on the Cross- Eagle christians :sermons

1stly : “Father forgive them; for they know not what they do.” In other words forgiveness is the hallmark of a Christian.
2ndly : “Verily I say unto thee, Today thou shalt be with me in Paradise.” -> repentant sinner .A Christian will never exclude a sinner from the possibility of being integrated into the society of God if he or she truly repents..
3rdly : “Woman behold thy son.” Jesus showed that the Christian’s core concern should be the welfare of others as illustrated in the Parable of the Good Samaritan...
4thly : “My God, my God, why hast thou forsaken me?” -human cry of despair from the downtrodden and oppressed for god's recognition ....
5thly : “I thirst.”-a christian should be ready for any kind of physical suffering symbolised by the crucification of Jesus as part of the redemptive plan of God .....
6thly : “at-one-ment” (atonement)-God accomplishes his task by ending all suffering of humankind ......
7thly : “Father, into thy hands I commend my spirit.” -implicit obedience and surrender to the will of God.......

And hence The Seven Words on the Cross are a condensation of the Sermons .......

Saturday, March 8, 2008

water crisis :dry delhi summers

This is one interesting incident that i have gone through in recent times . It is a generally accepted fact that the harbinger of delhi summers brings with it an acute water crisis.This past week was almost desert-like in my house with not a drop of water to drink or bathe.Due to the same old prejudice in my mind - i said to myself -sid guy , the days have begun where you have to dig deep for each drop of water .So for drinking i had water cans or the community water outlet and each time i had to go down 3 floors and get some water and for bathing i had to go to a friend's house nearby - now u could imagine how irritating it was .

But then i was a fool to not take any cue from nature and the surroundings .Realisation should have dawned that it was a bit too early for such acute water shortage and i should have asked my neighbours at the same floor ( floor matters because my motor is placed on the 2nd floor and it could be that the natural flow did not get the water to this height for the motor to pump and maybe the guys having a motor placed on the ground floor would be having water just because the pump was accessing it), but i never did any of this and just assumed that because it was summer on our heads that there was not water and was complying with it . On top of that the newspapers continually said that the whole of delhi was facing the water crisis, so everything just seemed to be even more normal and expected.

Then one fine day , my motor co-sharer came by as a godsend and stimulated my biased brain .Let me just explain to you the whole situation: we have a common overhead tank which is on my terrace and both off us share that tank , and the motor has 2 energisation points : one with him and the other with me , so on manual changeover we can control the running of the motor. It so happens that the chap has such job timings that at both times of the day he cannot somehow get the supply water for his use and so has to bear with the tank stored water .At my place i run the motor at both times , but these days since my conductor going in to the motor was open i was not being able to access the motor and about which i did not come to know because the motor was in his house , and hence i concluded that there was no water inflow from the water board's side , but i was grossly wrong .Today i happened to go to his house and serendpitously discover that the motor was not running through my switch , so i came home straightaway and checked the continuity of my conductor and saw that either both wires ( P and N ) were glowing on a line tester or both were not glowing ,the other chap said that " bhai there is a short circuit" , i said cmon how can it be a short circuit , if it is a short circuit both would glow on any combination you apply .Is is a open on the N wire and i was exactly right - for an open circuit if the open N is connected to the supply side P both would not glow and if open N was connected to supply N both would glow : because the whole of the P voltage would come over to the N wire because of no voltage drop.So after about 15 mts of haggling with the wires we discovered that there was an open right next to the plug point in my house and we then cleard that fault .

And AHOY!!!! we could get abundant water from tomorrow onwards.

MORAL : MURPHY'S law is ubiquitous and is always working , here in india systems are always on the verge of instabilty and hence there are many possible ways of it going wrong , though for it to be all picture perfect there is only one way , so rather than thinking and assuming too much , it is always better to start checking your immediate surroundings for the looming MURPHY resultant .

Thursday, March 6, 2008

FARM LOAN WAIVER -A SHALLOW RESPONSE , A CRITICAL ANALYSIS :


STATEMENT : All agricultural loans disbursed by scheduled [commercial banks, regional rural banks and cooperative credit institutions] (A) up to March 31, 2007 and overdue as on December 31, 2007 will be covered under the scheme

For marginal farmers (i.e., holding upto 1 hectare) and small farmers (1-2 hectare),
there will be a complete waiver of all loans that were overdue(A) on December 31, 2007 and which remained unpaid(A) until February 29, 2008. In respect of other farmers, there will be a one time settlement (OTS) scheme for all loans that were overdue on December 31, 2007 and which remained unpaid until February 29, 2008. Under the OTS, a rebate of 25 per cent will be given against payment of the balance of 75 %.

Government estimates that about three crore small(B) and marginal farmers (B)and about one crore other farmers will benefit from the scheme. The total value of overdue loans being waived is estimated at Rs.50,000(C) crore and the OTS relief on the overdue loans is estimated at Rs.10,000 crore.(C)

ANALYSIS:
-> which institutions, loan categories, and class of borrowers will be covered by the scheme -far from clear ..
-> (A)-Scheme applies to only those farmers who have outstanding loans .Majority of rural and farm households declare they have no outstanding loans or debt.And those who admit they have debt may not have instituional debt at all .Thus majority of the farmer community not applicable .
->(B)-Access to institutional debt and proportion of outstanding debts are skewed to larger farms ie. >> 2 hectares of arable land.
-> (A)WITHIN : What constitutes institutional loans : they include both direct(production and consumption needs) and indirect (trading,transport,distribution,processing of farm produce) lending .These indirct loans acoount for half of all loans on an average.Any justification on waiver of indirect loans ??
-> (C)-INR 60,000 Cr, thats bizarre and hideous , this estimate is far from clear and very very vague to say the least. There is good reason to believe that a generalised waiver of all overdues will benefit non-rural borrowers to a considerable extent; that the large majority of rural households, including those in the below 2 hectares(small and marginal) category will not benefit; and that the magnitude of benefit accruing to them will be considerably less than INR 60,000 Cr.

REPERCUSSIONS:This scheme would not address the current agrarian crisis in the way it is intended to .It would create a huge backlash in terms of attitude shifts in the farming community.Waivers would encourage borrowers to presume that they can sooner or later get away without repaying loans as corroborated by history.The culture of default by default would make a home in the farmer mindspace.There is statewide massive rural reform process going on and this waiver comes right at the wrong time : an irony of sorts.

WHAT HAD TO BE DONE INSTEAD:Faster pace of growth in the rural economy and an improved quality of education and health services was rather the call of the hour .Addressing deeper problems rooted in the overexploitation and degradation of land and water; government policies that encourage wasteful use of resources; the inefficiency of public systems responsible for implementing programmes, regulating the use of common service facilities, and ensuring quality infrastructural and support services would have done the job.