Tenancy deposit protection is needed in India too

Most of the western countries provide legal requirement for a landlord to have Tenancy deposit protection agreement before he is renting any property..
This saves both landlord and tenant in case of disagreements and protect the property for landlord.How it works :
1. Before renting the property, Landlord and tenant both goes to bank and open a join rental account in bank which is jointly owned by landlord and tenant.
2. Rental agreement is documentary proof for this account.It says as well that When tenancy ends, deposit amount will be be returned to tenant's bank account automatically.
3. Tenant deposit the deposit money in this account from his/her bank.Tenant is also entitled for interest on the deposited money. 
4. Every month tenant deposit rent in landlord's account (NOT in rental account).

5. When tenancy ends both parties inform the bank and deposit are then released directly into the tenant’s bank account.Simple !

As of Now Indian banks do not provide such 'rental accounts ; instead in India we have following :
- lease agreements with a minimum of 12 months     
- lease and license agreements of up to 11 months  (Preferred)

Beautiful lines by Mr. Bachchan

Extra shadow in life to talk,share,care,enjoy,respect and have fun in the life..

Many times we read in Indian articles that patriarchal system is the main cause of increased divorce rate
in India and men alone for blamed for this.So I was thinking about it and so thought to list down the 'typical' reasons why a men wants to get out of marriage...

A modern educated man wants wife to :
1. Have a extra shadow in life to talk,share,care,enjoy,respect and have fun in the life. and/or
2. Have a extra earning partner so that life becomes more relax and luxurious. and/or
3. Take 'unquestioned' care of him and/or his parents. and/or
4. Take care of all the household chores(cooking,cleaning,planning...) that he doesn't wish to do by himself.

'typical' Indian       men :  gives priority to 2,3,4 in any order by 1 in in last.
( 'typical' European  men :  gives priority to 1 and rest 2,3,4 in any order.)

Based upon the above points, A modern men will go for divorce from his wife if she is unable to do point 2,3,4 or don't want to do them.
But what-if she does all 2,3,4 points well still husband wants divorce ? The reason is simple that either she is failed at point 1 or husband found another women who brings point.1 to husband's life....So in this case one thing is clear..Indian male who are highly educated or affluent or lives in non-Indian society tend to go for divorce for last reason because they acknowledge that earlier they selected the wife like a traditional Indian but now their modern instinct is prevailing and so wife 'obtained' with traditional Indian outlook does not suit them anymore.

One point which one can notice is that point 2,3,4 can be managed with time/money but point.1 is something that comes from upbringing and values that are developed over the years.So for a intelligent Indian women, it is extremely important to 'NOT TO IGNORE' the point.1.

Looking at my mom,grand-mom and grand-grand-mom ..... I analyzed that Indian women who are not very educated,beautiful and intelligent are managing their family without any hiccups are the one who knows how to support/encourage discussion,promote sharing , show caring nature , enhance enjoyment, give respect and bring fun in the family life in such a way that all the 3 points become less important.

Note : Incompatibility and infertility is not discussed.

Marriage - Personal Need or Social Desire ?

Sometimes we think about the our own life events and if something we can't understand then we ask questions from ourselves and expect that we get the answers for the same questions for which we don't have answers.... This happened with me when I read the following article on some website. I am copying it because I don't know how long they will keep in there :

If there is something Indian parents are more eager than getting their kids to clear IIT about, it is getting them married. The moment you enter your mid twenties, the whole world around you discovers a new found obsession to see you tying the knot. Why? Why is it that marriage has been made into the ultimate life goal? Here, we tell you why it’s perfectly fine if you never want to get married.

1. Marriage is just a label. If you want to be committed to someone, you don’t need a piece of paper telling you that. You can be as dedicated, committed and loving a partner as anyone else without getting married.
2. Contrary to what parents think, a marriage cannot guarantee a secure, lifelong relationship. What has to go wrong will go wrong. People who don’t want to stick around, won’t, either way.  And people who truly love you will stay by your side without any declaration. You don’t need to get married to be sure your partner is never going to leave you.
3. It’s strange how some people will spend the rest of their lives with people they don’t even love, suffering every day, just because their parents got them married. It’s funny how a life of compromise is what they see as a solution to a failed marriage. It’s much better to be in a relationship that you can break out of if things don’t go well than hanging on to the wrong person.
4. We weren’t born to get married. It’s not as necessary as the Indian society makes it to be. Life is still going to be as good, even if you’re unmarried. Marriage is just an institution and you can choose not believe in it, like religion. There’s nothing wrong with not conforming to the idea of marriage if you don’t believe in it. As simple as that.
5. Not all relationships pass the test of time. If break ups weren’t hard enough already, things get unmanageably rough if the two partners are married! Divorces are messy. Always. Whether or not the separation is out of mutual consent. When two people decide to end a long term relationship that they’ve invested their soul and heart into, getting into legal hassles is the last thing they want to be involved in. And don’t even get us started on the alimony laws in the country!
6. Your twenties are the time when you finally get out of your shell and explore the many possibilities of life. It is perfectly normal to not want to get tied down by marriage. There is nothing more fulfilling than living life on your own terms and you shouldn’t exchange that for anything in the world!
7. An average Indian lives for 70 years. He is still not an adult till the age of 18. And, gets married by the age of 25. All he gets is 7 years, 7 out of 70 years of his life, to find a woman he loves. Most people never find ‘the one’ because they get married before they can even try! There’s no acceptable age to fall in love. Why can’t we be dating till we actually find someone worth settling down with?
8. Some people want a happily ‘married’ life, some have different priorities. It is perfectly okay to never want to have a wife back home, a house with kids. Some of us just want to be independent all our lives, living by ourselves, doing what we love, doing what we want.
9. We grow up seeing everyone getting married around us and assume it is a stage every man has to go through. But how many people who get married do so because they really want to? It just doesn’t make sense to rush into marrying just because everyone else is.
10. In India, you don’t just marry your partner, you marry their whole family. And truth be told, families are the reason why a married couple is always fighting. If one pair of parents isn’t enough, you get another one that loves getting involved in everything you do. It’s fair to not want so much baggage in a relationship. A relationship is always happier till there aren’t more people involved other than the two partners. And sadly, that’s just not possible in marriages.
11. There’s a lot that is terribly wrong with Indian marriages. The society won’t let you live in peace till you get married. Giving in looks like the solution, but it only makes things worse. Getting married is only the beginning. Once you’re married, a dozen more expectations will be set on you – to have children, to buy a bigger house, an even bigger car. The society will lay down all the rules for you on what is the purpose of a marriage, how an Indian couple behaves and what a successful marriage should mean. It’s really not worth it.

My Kashmir Trip....Unforgettable experience

Agar zameen pe kahi jannat hai to yahi hai, yahi hai, yahin hai.....emperor JAHANGIR used these words to describe his feelings about Kashmir. I myself had the same feelings when I visited Kashmir for 5 days with my father from 30th August to 3rd September.Before I go further let me share my itinerary : 

Preparation :

- Booked air tickets via yatra.com( they don't accept foreign cards)

- Booked the houseboat Young Bombay via booking.com 

Day1 : Boarded Indigo morning flight from Delhi and arrived at Sheikh-ul-Aalam airport,Srinagar. Well received by the  houseboat owner mr. Noor mohammad and directly driven to gate no. 9,Dal lake. There Mr. mohammad dropped the luggage and himself and asked us to continue for local sight seeing trip.He took our luggage to houseboat.We saw the 
- Sankrasharya mandir ( Lord Shiva mandir , 300 mt above sea level )
- Pari Mahal ( laid out by Dara Shiko)

- Shalimar Gardens( laid out by Jehangir )

- Nishat Bagh 

- Chashma Shah ( laid out by Shah Jehan)

and finished the day by evening tea at Zabarvan park(where we saw the hot air balloon) and live kashmiri music. Music was so enchanting that it captivated our heart for the whole life.

In evening taxi dropped us at the gate no. 9 , from there we took free shikara service to go to our houseboat -Young Bombay. At the houseboat we were formally welcomed by the house boat owner and his son and staff of houseboat.We tasted welcome drink- Kahwa(first time in life) and had general chit-chat about kashmir and houseboat life.

We ordered the Non-veg dinner and took some rest in the meantime in our room. Room was well maintained. Cleanness of bathroom took our attention as well.Bathroom had warm water facility,towels,toilet paper etc 

After Dinner we stayed on outside terrace for a while to enjoy the night at dal lake. In the meantime we saw a barbecue shikara coming to our houseboat. Though we were full but just for taste, we ordered mutton and chicken kababs, It was delicious and unique experience in itself and stylist way to say - Good Night.

Day2 : In Morning , we had light breakfast-milk,omlate,toasts and poha( which was part of our houseboat package) and started for the Pahalgaon with our Taxi. On the way we saw Saffron fields and Avantipur Bat factory. I stopped at one point and enjoyed the white water rafting in Lidder river. Once w e reached the Pahalgam, we had to drop our taxi there and took another taxi for Betab valley and Aru Valley trip.

Day3 : After breakfast we again departed for full day excursion to the Sonmarg via Leh road Journey was beautiful as we enjoyed dense woodlands of firs and silver birches. Same as other parts our Taxi was allowed/(kindly forced) to drop at main Sonamarg and  from there onwards we had 3 options :
- Walk up to Thajiwass 
- Hire another taxi for 2-3 local places
- Hire ponies
I could have taken ponies but as my dad was bit reluctant to try it so we hired the taxi again. Here I want to say that local taxi guys have a syndicate and always try to exploit the tourists.Government rates are so different then waht they charge for.We hired the taxi in 3000 INR for 2-3 places( places were located in area of 15-km). 
Thajiwass Glacier is the biggest attraction ( for somebody who has not seen it earlier) but fact is thatreal glacier is too far to go by taxis or ponies( forget walking to it) so these guys just fool you around.

Day4 : Gulmarg trip

Day5 : Local sightseeing and shopping

Hero Honda ...breaks tie :)

Apni bhasha apne log aur apna radio....kya baat hai :) ...anand lijiye

https://soundcloud.com/anuragvidyarthi/dc9277a22a3caf1b4c7bb51e4bc91e?utm_source=soundcloud&utm_campaign=share&utm_medium=facebook

Words are difficult to express sometimes....so a picture can :)

Collaboration can make one successful..

Father : Auto-rikshaw driver
Father's Income : 15000 INR / month
House : 300 sq. ft
Name : Prema Jayakumar(age 24 )
Achievement :Topper in CA exam conducted by the institute of Chartered Accountants of India,2012.


Some key statements :

• "..We always studied together as that helped us to discuss our problems with each other. My sister is my inspiration and it is she who helped me to clear the exam. Our neighbors were very supportive and maintained peace when we studied...”
•  “My parents earned well as they both use to work...."
•  "... My parents didn’t study beyond school, so they are very proud that both their children have opted for higher education.”
•   “..Fees were never an issue in school or college. In my school days I used to get a scholarship, and the college fees were nominal...."
•  “..The day I start working, I will ensure that my father can rest at home. He has always toiled for my welfare...”

Sum : Collaboration can be very crucial in competitive exams as it can inspire and guide us towards excellence.

 

A coincidence :)

There are 2 people A and B ....
A lives in Australia.........................................................B lives in Norway
A is passionate about India ............................................B is also.
A understands that political solution can revive India....B believes the same
A wants to go back to India to do something..................B wants the same.
A is looking for $$ security before he goes to India.......B is in same same.
A waits for Aus. citizenship............................................B might get Nor. one.
A is an retired IAS officer and now workinf in Aus.......B is soft. prof. in Norway.
A has a future plan here .................................................B has future plan here

I always thought there might be few people like me (B) but recently , I got the e-mail from Raghavendra Prasad,member of FTN who requested me to join FTN and referred to the blog of Sanjeev Sabhlook(A) where I read about his plan and compared it with mine.What a co-incidence ....... I noticed that he has same fear and insecurity and waiting for 'mera wala green' opportunity.

As humans, we look forward to our leaders (dead or alive) and think what they have done when they were in our situation.......I did the same and compared myself to our great leader of all time MK Gandhi and found that he could have been in the same state of mind .........Now questions are ...

• Why he did not wait for best time to return to India ?
• Why did not he waited for financial security before he came back to India ?
• Why he did not think about his primary responsibility in his all life ?
• Why he consider his 'second responsibility' as 'primary responsibility' ?

Answer to these make him GREAT and us 'Common' and so rightly he was father of nation and what we could just be a 'father'(If lucky :) ).

Quote for the context ...

Sometimes some quotes suite the context so well that we just say (or think in ourselves :) ) - PERFECT. Same is happening with me now these days and I found following FB quote. It suites the time but lets see if essence of the words come out to be the truth .......

Scènes à faire

According to the scènes à faire (stages to make) legal doctrine, if we give two reasonable authors the same idea, they will write the same novel. I guess this doctrine applies to following as well :

1. IT Developers
2. Indian Women
3. Opposition party leaders

Indian entrepreneurship example in healthcare sector

Recently I read about this new venture started by a software engineer in India.
Location :  Devanahalli, on the outskirts of Bangalore,Karnataka
Area        :  Healthcare
Est. Year : 2011

Project Objective :Setup a system (Drishti) to provide primary and secondary eye care services for people living in underserved areas.
Mission :
1.  Have social impact 
2.  Be Sustainable
3.  Be scalable 
Seed Capital : 50 lakhs
People :
1.  40 year old software engineer and
2.  His wife(Anjali Joshi)
3.  Ophthalmologist Rajesh Babu, 34
Industry Analysis :
The healthcare space is one of the most attractive bets by risk capital in India.In the first half of 2012, the healthcare sector in the country recorded equity investments of $749 M across 25 deals, bypassing the long-dominant favourite - IT sector says a report by PWC."It (eye care) is a $5-billion industry, which is extremely unorganised with a large gap when it comes to empirical data. However, investors know that an entrepreneur will have to identify the right market," says AM Arun,Vasan Eye Care, India's leading chain of eye care hospitals. He believes the rising demand for healthcare allows for better valuations of new ventures in the sector.It is a philosophy that industry experts tracking the sector are also beginning to subscribe to.According to PWC' Sanjeev Krishan, the industry's increasing attractiveness for private equity is driven by the premise that healthcare combines elements of retail, consumer products and infrastructure - areas private capital has traditionally invested in."Healthcare has elements of all these industries with less accompanying risk," Krishan, leader,PwC, said.

Business Model :
Drishti operates on a simple model. The 2 vision(Bagepalli , Vijaypura) centres screen patients and reports are sent to the ophthalmologist in the secondary care centre. Within 15 minutes of receiving the data, the doctor responds with his assessment. Additionally, it also hosts 10 eye camps a month in semi-urban and rural areas.

"For cases that require more detailed treatment, an appointment with the ophthalmologist is booked, and the patient is brought from the centre and then dropped back," says Joshi.

The co-founders expect to have their hospital to be fully equipped with operating theatres by January 2013. 
Anandampillai and Drishti's co-founders are currently in talks to raise Rs 2.5 crore from institutional investors, and expect to have a deal closed later this month.

"Our belief is that prospective investors expect returns equivalent to 15-20%, and I think we should be able to meet that," Anandampillai said. "We won't be giving them a return right now. We must first turn cash-flow positive and the target for that is 18 to 24 months".

To turn profitable, Drishti will first have to scale operations by ensuring that individual units are first profitable and can generate enough surplus to fund future expansion. Anandampillai expects to have at least 10 operational centres by the end of 2013. "We should be cash-flow positive within 18 months of receiving the investment. At that point, we should be clocking revenue of about Rs 1 crore," he said.

Plan the learning = Learning to plan

Another things in 2012

Making mistakes in life ...

A life spent making mistakes is not only more honorable, but more useful than a life spent doing nothing.
- George Bernard Shaw

 

Greatness of human being lies in simplicity...

A man will be known by his words and works ......................RIP YP

"Pehli bhaisaab ko dijiye. Only then will I accept it," 

"Yaar Chintu I can't believe that I have come this far and that I have a studio in my name.''

'Do it the way Adi says'."

'Amit respects everybody and is the most civilised and cultured person. He is the first exemplary son I have seen in my life. He never talks about his achievement and status. I love Amit.'


 

Culture always unites

As a regular habit , I was standing on monster.no when I saw en event 'Oslo Global Mobility Forum 2012' and my click on it drifted me to its website. To understand the event , I browsed through the pages and suddenly my eyes got stuck on the name 'Pooja Sinha Skogstad' - one of the speakers at the event. Name* looked familiar and so sparked my curiosity to know her more and I just pasted her name from there to google and as always - Google satisfied me.


I got to read , she is daughter of NY based Indian doctor couple and she got married to Nils Ansgar Skogstad- a Norwegian.I chained myself to NYtimes' wedding section and read her story. It was interesting to know that even after living so many years in states, her family has not only maintained the Indian tradition but also embedded it in her daughter as well.After living abroad for few years, my ears heard this kind of story few times ( in fact All NRIs/OCIs want this - I guess :) ). But what was more surprising that a norwegian who lived 5 years in Pakistan( so called political arch rival of India) was mesmerized enough by Indian culture that he waited years to marry an Indian girl.If the article is to believe then it was heartening to know that their relationship was not started because of his love to Indian cuisine ( or bollywood ) but Indian culture(and it's ambassador Pooja).After living in Norway for few years I can say for sure that his statement “I’m sure I’ve visited India more times than you have” says he understood something special about India.

I would give credit of this 'Sangam' to Indian culture,Indian parenting and NORWEGIAN UNDERSTANDING and of course to Pooja Sinha Skogstad - God bless them :) .

* In Todays world where few second generation kids change their name to suit the culture they live in making it difficult to know about their roots ( may be that is the intention as well ).

Lucky Indians at Olympics 2012 .....Heart Winners

Like many other fellow Indians I expected India to win at least 3 more medals and at least one Gold. But this was our love for country and driven by past performances of some of our sportsman. We forgot that Olympics in not CWG. It is event where we compete with just the best of world.....but in the end , we realized that we got what we deserved after competing at world level.

We all know that somehow Indians-most of us do not treat sports as career. But this is changing and change is visible not only in terms of performances but also in terms of variety of sports disciplines , where Indians are shining( eg Amit kumar was, youngest Indian wrestler to qualify for Olympics)

Now we can boast of having double Olympic medalist - Sushil Kumar.

Though , many of us disappointed by medals India has won in Olympics but considering our preparation and mentality, we performed well. The expectation of people shows that now we believe in abilities of our own sportsman. Before this Olympics we fetched just 15 medals ( after 1948) but just in this Olympics we won 7 alone. To me this is big achievement. It is a big change that will provide the platform to more and more Indians to come forward and be part of sports new India.

One thing which is very remarkable this time is - support from professional bodies like OGQ and MCT apart from GOI. Of the 6 medalists, 4 were funded by Olympic Gold Quest (OGQ), a foundation supporting India’s top athletes; a fifth, bronze medal wrestler Yogeshwar Dutt, received similar support from Mittal Champions Trust (MCT).Both OCQ and MCT design customized programs for their athletes, providing everything from the best training and coaching facilities in India and abroad to sports medicine and nutrition to travel expenses. This is something which GOI could not provide (considering their style of working and lack of interest ). So support from corporate sector is somthing which happened first time in Indian sports history - and result is visible.

Hopefully these 6 Indians will ignite rest of millions to bring more medals in 2016 and during these years we will have more world record beaters,world number 1 from India....

What is Boson in 'Higgs boson' ?

In the whole world, physicists are celebrating the GREAT discovery of 'Higgs Boson' - God particle.It will guide us to convert our cosmos theoretical knowledge to practical base. But what is this Higgs Boson ?

Higgs boson is one of the six elementary bosons that were discovered by an Indian physicist Satyendra Nath Bose.These are :

• The four gauge bosons (γ · g · W± · Z)
• The Higgs boson (H0)    
• The graviton (G).

All these bosons are particles which obey Bose–Einstein statistics.

Now Higgs Boson importance ... As the Universe cooled and the temperature fell below a critical value, an invisible force field called the ‘Higgs field*’ was formed together with the associated ‘Higgs boson’. The field prevails throughout the cosmos: any particles that interact with it are given a mass via the Higgs boson. The more they interact, the heavier they become, whereas particles that never interact are left with no mass at all. The problem is that before this july,no one has ever observed the Higgs boson in an experiment to confirm the theory. Finding this particle would give an insight into why particles have certain mass, and help to develop subsequent physics.

So when we raise a toast for people involved with discovery of 'Higgs boson',do remember our own Mr. Bose(Another Indian like Gandhi who deserved the Nobel for his work but but but....).

* a hypothetical, ubiquitous quantum field supposedly responsible for giving elementary particles their masses.

Kind of satisfied..