Hi Friends,

Even as I launch this today ( my 80th Birthday ), I realize that there is yet so much to say and do. There is just no time to look back, no time to wonder,"Will anyone read these pages?"

With regards,
Hemen Parekh
27 June 2013

Now as I approach my 90th birthday ( 27 June 2023 ) , I invite you to visit my Digital Avatar ( www.hemenparekh.ai ) – and continue chatting with me , even when I am no more here physically

Tuesday, 1 September 2015

DREAM HOUSE BY 2020 ?



Shri Ravindra Waikar , Minister for Housing , Maharashtra Government , says ( DNA / 16 Aug 2015 ) :

"  We want to provide a dream house to everyone by 2020 . We won't compromise on the quality of construction . It will be at par with that of private builders . We are working on a mission mode "

He is referring to planned construction of 5 lakh " affordable " houses ( flats ? ) , by 2020

No doubt , this is a very daunting task but it is possible if there is " Political Will " - which is evident from above statement of Shri Waikar


Here are my few suggestions that Shri Waikar may want to consider :


#   SPECIFICATIONS

     *  Carpet Area = 400 sq ft
     *  Selling Price = Rs 10 lakhs ( Rs 2,500 / sq ft )


#   LOCATIONS

     *  Building Clusters to be located on the outskirts of cities ( important )
     *  100 Clusters of 50 buildings ( each with 10 floors*10 flats/floor )


#   LEGAL FRAME-WORK

     *  A Special Purpose Vehicle ( SPV ) , named,
        Dream House Private Limited ( DHPL )


#   INDUSTRY STATUS

     *  Infrastructure Industry with 100 % FDI thru automatic route


#   SPV OWNERSHIP

      *   10 % equity by Maha Govt ( in lieu of land )
           Maha Govt to pass on this equity to land-owners
      *   90 % equity by WinSun Decoration Design Engineering Co ( China )


#   SHARE  CAPITAL

      *   Rs 10,000 Crores


#    ROLE OF MAHARASHTRA GOVERNMENT

      *  Acquire land ( under modified Land Acquisition Act )/hand over to SPV
      *  Comprehensive Town Planning of each Cluster like a Smart City
      *  Building Design / Drawings / Material Specs
      *  Quality Control / Material Testing Lab at each site
      *  A Project Monitoring Team at each site / Use of PERT
      *  Site surveillance using CCTV cameras
      *  Make available land for setting up 3D House Printing factories
      *  Interconnection of site offices with HQ , thru VPN
      *  Blanket permissions ( IOD / NOC etc ) issued in advance
      *  OC based on certification from Site Project Manager
      *  Maintenance of flats thru Coop Societies of each cluster


#   COMMERCIALS

     *   Neither SPV , nor Maha Govt to pay any royalty to WinSun for
          transfer of technology

     *   Maha Govt to act as the agency for allotment of flats to eligible public
          in Maharashtra thru a " Lottery System "
  
     *   Selling Price of flats will be fixed by the Maharashtra Government
         once a year , based on a pre-agreed cost - escalation formula, which
         will be explained in detail on SPV web site
          Calculation of each upward revision shall be made public
        
     *   SPV to hand over possession of flat to the allotee upon receipt of
         full payment

     *   SPV shall not be permitted direct selling of any flat in Maharashtra

     *   SPV would be free to set up factories in other States and be free to
          sell flats built there, thru Open Market Sale



#   ROLE  OF  WinSun


     *  Setting up of 20 factories for 3D Printing of flats
     *  Assembling of 3D printed flats at sites
     *  Transfer of 3D house printing technology to Indian project managers /
         site engineers / construction workers


#   TECHNOLOGY

     *  3D ( house ) Printing Technology developed / patented by WinSun


>    WHY  WinSun  ?

     #   On 29 March 2014 , WinSun constructed TEN , 3D printed houses ( 200 sq meter each ) in Shanghai, each costing $ 4,800 ( approx Rs 3 lakh ! )


#    On 17 July 2015 , using its 3D printing technology , WinSun built a 2 storey villa , in just 3 HOURS  !


#    WinSun holds 98 patents for construction materials


#    For 3D printing of houses , WinSun , mostly uses recycled construction materials


#    3D house-printing technology saves,

      *  30% -60 % of building materials

      *  70 % of production time

      *  80 %  of construction cost


#   Egypt Government has placed on WinSun , an order for supplying 20,000 pre-fabricated , 3D printed houses

#   In Egypt , WinSun will establish 12 Dream Factories ( to build pre-fabricated houses ) , within 2 years

     These factories will mostly use desert sand as its main construction material , which was found ideal for 3D printing of houses !


#   In next 3 years , WinSun will set up ( in JV with local parties ) , similar factories in 20 countries , including Saudi Arabia , UAE , Qatar , Mexico , S. Korea , Russia , Morocco , Tunisia , and USA

      
As someone has said :

" It is OK to build castles in the air , as long as you know how to put foundation underneath , later on "

Even if you are dreaming of building 5 lakh castles !

-----------------------------------------------------------------------------------
hemen  parekh

02  Sept  2015


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Monday, 31 August 2015

Jan Dhan Sarjan Yojana



You have heard that the :

>  Jan Dhan Yojana completed one year on 28 Aug 2015

>  By creating some 17.5 crore accounts during this period , it became ,
    "  World's largest financial inclusion "  scheme

>  There was no need to have a minimum " Bank Balance " to open account

>  Zero bank balance accounts declined from 76% to 45% in last year

>  Bank Overdraft of Rs 5000 allowed after 6 months

>  Of 10 lakhs a/c qualifying for overdraft , 1.65 lakh have used it


By all accounts , this Yojana ( Scheme ) is all set to bring about a revolution in the matter of financial transactions of the poor people of India

Especially thru the use of RuPay Debit cards , every time these poor buy any goods or services from a local " Kirana " shop ( except that 99.99 % of these small local shops don't have card-readers ! )


In the meantime , there are a few other " Game Changing " revolutions
shaping up


These are :

>  RBI permissions to some 20 Organizations to start " Payment Banks "
    ( Including Mobile Service Providers / India Post / PayTM etc )

>  Launch of a large number of " Hyper Local " e-commerce firms which
    deliver goods / services to local residents, placing orders thru mobile apps

>  Launch of quite a few " Mobile Wallet " apps, tied up with no of banks
    and millions of small shop-keepers , all over the country

>  Last - and most important - expected launch of  GST  in April 2016


Can we seize this opportunity to " Synergize " these parallel changes ?


It seems , not only possible , but outright essential  !


By launching ,  Jan Dhan Sarjan Yojana 

 ( People's Wealth Creation Scheme )


As follows :

>   If GST is going to be ( say ) 20 % , Government will transfer from this ,
     2 % ( ie 10 % of that 20 % ) , to the PPF account of the Consumer /
     Buyer , who pays for the Goods / Services purchased , using a RuPay
     Card or a " Mobile Wallet " app


     This will motivate millions of self - employed to open  PPF  accounts !


>   Since interest from a PPF account is tax-free , every citizen would , now
     want to make all payments thru RuPay card or a Mobile Wallet App


>   RuPay cards are already tied up with accounts opened under Jan Dhan
     Yojana


>   Mobile Wallets Apps will also get tied-up with thousands of branches of
     Payment Banks , which will open in next 18 months


     Just imagine the number of new accounts that will get opened in the
     1,55,000 + post offices of India Post  !


>   In this way , Social Security will become " Self Financing " !


>   Currently , in India , some 97 % of all payments are " Cash Payments ".
     With introduction of this proposal , these will drastically decline


>   Any payment made , using RuPay card or a Mobile Wallet App , will make
     available to the Income Tax Department , full digitized record of each
     such transaction , including :

     *  Who  made the payment

     *  To whom was that payment made

     *  When was that payment made

     *  For what purchase , was that payment made

     *  What was the amount paid


>   One , very desirable consequence of  Jan Dhan Sarjan Yojana
     will be that our " Domestic Savings Rate " will climb back to 30 % !

      In turn , this will help us wither global economic crisis , much better  !


I have a feeling that my proposal will be welcomed by all sections of our Society and find overwhelming support for the passing of the GST bill by all political parties

-------------------------------------------------------------------------------------

hemen  parekh

31  August  2015

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Friday, 28 August 2015

Time to Re-Think ?

Time  to  Re-Think  ?


Among many problems being faced by India these days ,are :


>  World - wide slowing down of economy

>  Rapidly rising workforce / unemployed

>  Resistance to Labour Reforms by Unions

>  Chinese currency devaluation

>  Rapid decline in our Exports



Even as Central Government Ministers sit down today, to listen to ,and address the Charter of Demands of Labour Unions , may be they need to articulate , in no uncertain terms , what the Unions must " Give " , in return for what they expect to " Take "


At this stage , the only thing that can save our country going the way of Greece , is :

Make India , a " Low Cost Economy "

I hope what I wrote to 7,500 employees of L&T Powai Works , some 31 years back , provides some clues


with regards,

hemen  parekh

27  Aug  2015

hcp@RecruitGuru.com

----------------------------------------------------------------------



16 AUG 1984


To: All Employees at Powai Works
-------------------------------------

Dear Friends :
                
SCALA - MOBILE  ESCALATOR

In Brazil they call it......    Indexation

In America they call it...... COLA  ( Cost of Living Adjustment )

In Italy they call it ......... Scala - Mobile  Escalator.
 In India we call it..........  D.A.  ( Dearness Allowance )


But everywhere,  it means  the same  thing to  the employees.
Whenever  inflation pushes  up  prices  in  the  market,  some index  published  by  the  Government  will  also  rise. 
In India, we call it   Consumer Price Index  (  CPI  )
Whenever C.P.I, goes up, D.A.  goes up, putting more money in the hands of an employee.

The  idea is that  even though  the prices may  have gone  up , with  the  extra  D.A.  in  his  hands,  he  can  continue  to purchase the same quantity  of articles as before.

Rising prices raise the " Cost of Living " .

So the experts  thought :


"Let us put  more money in the  hands of  an employee - to   take care  of  the  rising  prices  -  to neutralize the rise in the ," Cost of Living "


Fine idea ! 

In fact, originally this is an Indian idea 

We, in India, introduced it  40  years ago. 

Americans and Italians introduced it only a few years ago.

Italians call  it " Scala - Mobile  Escalator ".  

Seems like  they borrowed the  idea  from our own " Escalator-culture " !

Except that they  seem to have discovered  something within 5 years  (1979-1984) which we have  still not  discovered after 40 years .  Or do not wish to discover !


And that is :

Every time D.A. goes up, " Cost of Production" also goes up !


And if  " Cost of Production "  goes up, " Selling Prices " must also go up. 


( We were forced to  raise the selling  prices of our Switchgear  Standard products a few days ago )


If we do  not raise our selling prices,  our profits will  go down


But  nobody   likes  profits   to  go  down   -  neither   the shareholders nor the employees.


So  what is  the problem ?  Just keep  raising  the selling prices, whenever costs go up.


But the Italians are thinking :

"No that won't  work. 
If we  wish to  sell fertilizer plants in India, our  selling prices must be  lower than the selling prices of the  Japanese manufacturers  ( who last month gave a YEN 6 billion  loan to India, to buy  a fertilizer plant from Japan )
And our  selling prices  must be lower than those of an Indian company  called L&T
But we cannot force L&T to raise its selling  prices. 
All that  we can do  is  to reduce  our costs, by slowing  down the " Scala Mobile Escalator  "— Down with D.A. ! "

If our Mr. V.G.Desai (Divisional Manager -Chemical Division ) could hear the  Italians thinking, he would  jump-up and say:
 " Very dangerous thinking ! "
He means  dangerous  for us - for  L&T

Let me  assure you, VGD  has  no love  lost for  the Italian   workmen !

And  with all  the  affection he  has  for our  own employees  he  keeps gazing at the following chart.

  
      

And he wonders :


How  the Italians  ( even Japanese ) would  love to  get a copy of this chart  !


Does  Indian  Industry  have  the  "Italian Option"   ( of stopping or slowing down the D.A.) ?
 



If not , can   people   of   Powai,   possibly   increase   their productivity quickly enough  to neutralize the following increases in the wages ?


Increase/ Employee
Rs / Month
A.
Jan. 1979 Settlement   (Average)
200
B
D.A.Increase (Jan1979 -July 1984)
475 to 1114
C
April 1984 Settlement (Average)
550
TOTAL
1225 to 1864


How shall we respond to these questions ?

h c parekh

----------------------------------------------------------------------------------------

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