Is the way the world functions really fair?

Over a year, a thought has been banging inside my head. The last time I wanted to buy a home for myself and my loan was rejected. The reason, my profile was 'too risky'. When i asked for an explanation, the banker said i needed to put collatrel to back up my loan. What type of collatrel was my next question. Pat came the answer 'Like a piece of land'. Then why the fuck would i need the money to buy a loan you moron, was my reply. That sealed my chance of getting the loan from the bank. And i really dont regret the fact that i said that. This is the theory that goes behind banking in India and probably the entire world.

The bank offers loans and earns on the interests. They are so scared that the money wont come back and hence demand a 'collatrel'. Now, this brings us to a point where-in the people who have a collatrel can take a loan and with those who do not have it can't. So, the bank, by choice eliminates the poor from its customers.

Once, i needed money to start my business. There was some money i had saved from the last job that could pay off the rent and bills for 6 months. I needed a business loan to mobilize and expand. I went to the bank. The question was 'Do I own the premises?' I said 'No'. You need to put up a collatrel for the loan. I had frowned in disgust. The message they passed was - Our bank only allows the rich to do business.

I bumped into a long lost school friend one day, and came to know he was a banker. So, over a cup of tea we began discussing about banks. He was talking about recovery of the loans from banks. From him I came to know that the recovery percentage was an issue with the bank. There were defaulters profound. And many of the rich dont repay it and know how to wrestle the legal system to escape payment.

Which means, If i am rich, i can get a loan, i dont payback the loan and i can get away with it. Which again means, the bank needs to recover the money and they hike the interest rates, whch actually means, the people who need the money it becomes a costly affair and further deepns the gap between the rich and the poor. The poor get poorer and the rich gets richer.

By this time, i started believing that everything done in this world is to please the rich. Technology, for instance, the immediate improvement it makes is to ease out the problems of the rich. The technological advances are redundant in third world countries, where the battle is still on for food clothing and shelter. The day technolgy will be meant for everyone is the day when a young boy in the remote village of Assam, can attend a lecture in IIT through the internet. That is when we know that technology has been put to good use. But in a Capitalist driven society, why would anyone do that? Where will the profits be?

I also think the rich love the existence of poverty. If not in their immediate neighbourhood, it might be the neighboring country. It allows philanthropy. But isnt philanthropy another tool to feed the ego?

Based on some of the radical ideas, i did go with a business plan to some investors for an idea to help in improving agriculture and slowly over a period of time to build agri into a very lucrative culture. The questions i got were pretty vague. We are not sure if it will work! was the answer. Well, we have to try and unless we try how will it work? I am pretty sure, if i was rich and if the business proposal i had made was of an IT company, I would have been sitting in a swanky office at Nariman Point and partying on Saturday Night.

Twenty20 - A marketing Bonanza

India is a crazy nation. The craziness makes us tick. Imagine this - India out of the world cup - viewership goes down - cricketers home are pelted - twenty20 announced - india wins world cup - crores showered on the cricketers.

Thus goes the ups and downs of India's cricketing world. I love Twenty20. It gets over in three- four hours, the game is fast paced. It ensures a nail-biting finish. Amazing alderaine rush. Every minute worth it.

Twenty20 is a fantastic marketing concept. It has bought a new leash of life into the world of cricket. Whoever thought of it is a marketing genius. So i thought of a concept that can beat this and make even more revenue and we can ensure India wins and make money in the bargain.

The match will be a five day match. The cricketers shall play on the ground. Whenever a batsman is batting, send an SMS. After the first innings, the scores earned by each batsman is counted + sms votes which are equated to the runs which make the final total. The match continues and the next team batting the same rules follow. Finally it is not just the scores that will matter, but also supporters.

And we, being die-hard fans of Indian cricket and idiots who dont mind sms'ng in the name of patriotism for cricket, will make India the world cup favorites over Australia!

Game anyone!!!

Finally back to work!

After a gruelling week, i am back to work!
So boring, sitting at home, watching the ceiling, meeting the doc's... the smell of the spirits in the hospital are so sickening. Nyways, its over and that is what counts.
And guess what, I finished three books in the last week and saw 6 movies back to back yesterday. Which ones? Here goes:
Cars (Animation), The Condemned (Action Thriller), Incredibles (Animation), Stranger than Fiction (Romantic Comedy), Pulp Fiction (Drama) and Good Will Hunting (Redemptive) Phew!!! I loved good Will Hunting. Matt Damon and Robin Williams are so good in the film. At a point when Matt is about to cry and Robin says 'Its not your fault', i think the scene was so moving i almost cried before i realised my sister was staring at my expressions...

But now its good to be back at work... So let the magic begin... again....

What hppens when you are back from the dead? Let me tell you how it feels. It is like you thank your heavens what a wonderful life it is. At the crossroads of death, you dont think about your telephone bills, fuel costs, global warming, unrecquitted love, uncertain future, all you think is 'I want to live'. Surprising, for when i was living, i always used to think, when will my misery end, and when the end came near, you were ready to face anything. Put out your hands on to anything to come out of the dark hole you are in. Now, I really appreciate life. Thanks... no tension of loans, no fussiness over credit card telemarketing guys, big sharks out to swollow you... nothin... this is life... enjoy to the fullest, for a few days back i saw what could have been and realised, what i can make of today and tomorrow is much better than 'The End'.

A birthday story for S

In a little nest on a tree, lived a little sparrow.
The sparrow hopped from branch to branch,
searching for food, to feed herself and her chicks...
Once the little sparrow stepped on a thorn,
She hurt herself, and from that day she limped...
Poor sparrow, everytime she hopped,
she would whimper in pain.
she hopped and hopped and hopped
when she finally came to face an owl.
The owl was old, he was wise.
She said to him about her pain
that she so fully agonized.
The old wise owl said to her.
Why do you need to hop, while all you need is to fly!

a dream....

As I drove by the river,
The rusty wild was passing by,
The road gave away suddenly,
Falling to a place I have never seen.

I ask the dusky maiden,
How this place could find me.
She said it was destiny.
That bought you back to me.

I saw little kids run to me,
They were wanting to hug me.
I started running away,
But they just kept following me.

An old man smiled seeing me,
A smile that could almost kill me
He said
Don’t run away from happiness,
Or happiness will run away..
??????

60 years of Freedom

A wonderful forward commemorating 60 years of Independence

Be sure to read all the way to the end!

Tax his land,
Tax his bed,
Tax the table
At which he's fed.

Tax his tractor,
Tax his mule,
Teach him taxes
Are the rule.

Tax his cow,
Tax his goat,
Tax his pants,
Tax his coat.

Tax his ties,
Tax his shirt,
Tax his work, Tax his dirt.

Tax his tobacco,
Tax his drink,
Tax him if he
Tries to think.

Tax his cigars,
Tax his beers,
If he cries, then
Tax his tears .

Tax his car,
Tax his gas,
Find other ways
To tax his a**

Tax all he has
Then let him know
That you won't be done
Till he has no dough.

When he screams and hollers,
Then tax him more,
Tax him till
He's good and sore.

Then tax his coffin ,
Tax his grave,
Tax the sod in
Which he's laid.

Put these words
upon his tomb,
"Taxes drove me to my doom".
When he's gone,
Do not relax,
Its time to apply
The inheritance tax.
LOOK HERE:


Accounts Receivable Tax
Building Permit Tax
CDL license Tax
Cigarette Tax
Corporate Income Tax
Dog License Tax
Excise Taxes
Federal Income Tax
Federal Unemployment Tax (FUTA)
Fishing License Tax
Food License Tax
Fuel Permit Tax
Gasoline Tax (42 cents per gallon)
Gross Receipts Tax
Hunting License Tax
Inheritance Tax
Inventory Tax
IRS Interest Charges IRS Penalties (tax on top of tax)
Liquor Tax
Luxury Taxes
Marriage License Tax
Medicare Tax
Personal Property Tax
Property Tax
Real Estate Tax
Service Charge Tax
Social Security Tax
Roa d Usage Tax
Sales Tax
Recreational Vehicle Tax
School Tax
State Inco me Tax
State Unemployment Tax (SUTA)
Telephone Federal Excise Tax
Telephone Federal Universal Service Fee Tax
Telephone Federal, State and Local Surcharge Taxes
Telephone Minimum Usage Surcharge Tax
Telephone Recurring and Non-recurring Charges Tax
Telephone State and Local Tax
Telephone Usage Charge Tax
Ut i lity Taxes
Vehicle License Registration Tax
Vehicle Sales Tax
Water craft Registration Tax
Well Permit Tax
Workers Compensation Tax
(This is just a partial listing!)

STILL THINK THIS IS FUNNY?

Not one of these taxes existed 100 years ago,
and our nation was the most prosperous in the world.

We had absolutely no national debt,
had the largest middle class in the world,
and Mom stayed home to raise the kids.

What happened?

Can you spell

"politicians!"


REMEMBER THIS:


A GOVERNMENT BIG ENOUGH TO GIVE YOU EVERYTHING YOU NEED - -

IS BIG ENOUGH TO TAKE AWAY EVERYTHING YOU HAVE !

I hope this goes around the USA at least 100 times