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

Friday, 29 January 2016

GLOBAL CORRUPTION INDEX



Global Corruption watchdog , Transparency  International , just released its report for year 2015

Out of 168 countries surveyed , India ranked at position 76

That was an improvement from position 85 in year 2014

Jose Ugaz , Chair , Transparency International , made following remarks ,

"  Corruption can be beaten if we work together to stamp out the abuse of power bribery and shed light on secret deals .

Citizens must together tell their governments , they have had enough !

Leaders in India and Sri Lanka had fallen short of the bold promises they made to combat corruption "

QUESTION

Can India leapfrog 75 positions to rank # 1 in 2016  ?

ANSWER

Yes , it can - and with very little Judicial / Administrative / Legislative effort  !

HOW  ?

By implementing following suggestion which I have been making for past one year :

#   INTERNET  OF  THINGS ( IoT )

     As each currency note of Rs 500 / 1000 , is getting printed , embed it with microscopic RFID chips
    ( with this , current cost of a RFID chip will fall from 50 paise to 5 paise )


     Besides communicating with each other , these chips will also transmit their existence location , through internet 
    ( to cloud-based servers of Income Tax Department )


     This will form a " NETWORK  OF  CURRENCY  NOTES ( NoC ) "


     You may like to call this Internet of Currency ( IoC ) , a sub-set of IoT  !



#   IP ADDRESS  SYSTEM ( IP V 6.0 )

     Each Rs 500 / 1000 currency note must be assigned(at the time of printing ) , its own unique Internet Address , using IP V 6.0
     


     This IP address should be linked with the unique Serial Number printed on each note.

     Since IP V 6.0 , will be capable of assigning   " 2 * 10 to the power of 128 ", no of  IP addresses , there is no danger of running out of addresses , even if we decide to extend this idea to Rs 100 currency notes !
   
     
Here are the most important BYE - PRODUCT :

*   No more possibility of  FAKE / FORGED / COUNTERFEIT , currency notes ( currently estimated @Rs 2500 Cr )

*   No thief would ever want to steal such currency notes which continuously announce their location

      
*   No one would want to make any " Cash Deal " . All payments will become official only !

*   Plastic currency notes will last 10 times longer !

*   Who will buy GOLD biscuits , using RFID embedded notes ? No need for PAN card  !

*   No giving / No receiving of bribes ! No disproportionate assets  ! THE END  of  CORRUPTION  !
   
    
This reform will enable the Central Government / Income Tax Department , to :


*    Continuously trace the movement of each of these higher denomination currency notes


*    Instantly locate any place ( using Google Map based GPS ) , where there is an accumulation of more than Rs 1 Crore worth of currency notes

      
     Such accumulation will be made to appear as a TAG CLOUD on the web site of IT Dept,

     like thousands of balloons floating on a map of India , capable of being drilled down to within 1 Sq Meter

      Of course , visible only to IT officers ; not to general public !

     On each balloon , will appear a number announcing , " Amount of Cash here - Rs " !

     This will vastly simplify the task of Anti Corruption Dept / Enforcement Dept etc
Of course , RBI will need to allow 6 month's time to the owners of current paper currency notes of Rs 500 / 1000 , to get these exchanged with new plastic notes before withdrawal of the old notes from circulation

Implementation of this suggestion , does NOT require passing of any BILL in Lok Sabha or being held to ransom in Rajya Sabha !

And it can be implemented in India , within ONE YEAR

But if Chinese President Xi Jinping comes to know about the practicality of this suggestion , he might implement it in 6 months , to enable China to jump 82 positions and get rank # 1  !

How come ?

Simple !  Xi Jinping has the political will to take such bold decisions

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

30  Jan  2016

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

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Saturday, 23 January 2016

GOING CASHLESS ?



Government is encouraging use of Credit / Debit cards , in order to reduce cash payments , which , currently account for nearly 80 % of all payments

Measures ( Positive and Negative ), being considered / announced , include :

*  Elimination of transaction charges on purchases of Petrol , using Credit Cards

*  Income Tax benefits for individuals making payments thru Debit / Credit Cards

*  Disclosure of PAN for

   #   cash transactions above Rs 2 Lakhs

   #   settling hotel bills that exceed Rs 50,000

   #   booking air tickets  / tour packages , exceeding Rs 50,000

   #   opening a bank account ( except for Jan Dhan Yojana a/c )

*  Incentives to shop keepers and traders to accept electronic payments


While announcing these measures , revenue secretary , Shri Hasmukh Adhia said :

"   ...to collect information on certain types of transactions from third parties in a non-intrusive manner , the income-tax rules require quoting of PAN where the transactions exceed a specified limit "


Are we missing the woods for the tree ?


What can be more " non-intrusive " than embedding Rs 500 / 1,000 currency notes with RFID micro-chips , thinner than a hair ? Each sensor, continuously broadcasting its location to the Income Tax Authorities , even as it moves from one hand to another ?

And " shouting from the rooftop " each physical location, where there is an accumulation of Rs ONE CRORE worth of such notes !

And assigning a  UNIQUE  Internet Protocol ( IP V 6.0 ) Address to each and every such high denomination currency notes ? - which could , even be its Currency Note Number  ?

Why bother to " incentivize " citizens to use electronic payments  ?

Why bother to introduce rules / regulations and make life difficult for everyone - including for those officers responsible for enforcement ?

Just implement this and watch 90 % payments being made thru electronic means / devices , within 6 months !

I had sent my above mentioned suggestion to Shri Arun Jaitleyji , when Govt had put out a paper ,

" Draft Proposals For Facilitating Electronic Transactions " ,

and sought public comments

Implementing this does not require passing any bill in Rajya Sabha !

If you have a better idea to dramatically reduce the menace of BLACK MONEY and CORRUPTION , in a single stroke , I request you to rush it to Shri Jaitley-ji , before 29 Feb 2016 ( Budget date ) at...

'ajaitley@del5.vsnl.net.in'  /  'ajaitley@sansad.nic.in'

Or , just forward this to him



A recent news report spoke of printing of 30 Crore notes of Rs 1,000 denomination , WITHOUT that identifying silver thread

Some of these defective notes even went into circulation !  Rest had to be destroyed

This would never happen if a RFID micro-chip ( much thinner than that Silver thread ) were to be embedded in each note

A Inspection device , costing no more than a few thousands of rupees and  sitting on the Printing Line would immediately detect any note WITHOUT the RFID

A bell will ring and a robotic arm would pick up and set aside such a defective note

And if this was to happen to 10 notes in a row , the printing press will automatically shut down  !

This technology is already working in hundreds of factories around the World

And embedding a RFID chip is much simpler than inserting that Silver thread  !






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

hemen  parekh

24  Jan  2016

www.hemenparekh.in

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

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Friday, 22 January 2016

HAVE A DEGREE : WILL SWEEP



Some 19,000 graduates / post graduates who have applied for the job of sweepers in Amroha Nagar Palika , seem to be saying just that  !

But only 114 of these BA / B Sc / MA / MBA / M Tech  grads will get those jobs !

Rest will join the rank of 3.5 million graduates who join our work force each year - to remain jobless

Now , I am not saying that the job of sweeping streets is " below the dignity " of anyone

Why , even our Netas do it , if there is a TV camera around  !

But take a look at the following news ( DNA / 11 Sept 2015 ) :


Against 368 vacancies of " Peons " advertized by UP Govt , applications received were as follows :


*  Total Number of applicants.............. 20 lakh

    {  5,435 applicants for each post  ! }

*  No of PhDs....................................  201

*  No of Master Degree holders............ 20,056

*  No of Bachelor Degree holders.......... 1,23,000

*  No of 12th Standard pass................. 6,00,000

*  No of 10th Standard pass................. 8,20,000

   { Minimum prescribed Edu Qualification = 10th Standard }


This scenario repeats , month after month , year after year  !


The only hope for these millions of Graduates / Post Graduates,  is to apply for admission to some 15,000 Industrial Training Institutes ( ITIs ) for getting " trained " as Electricians / Plumbers  / Carpenters / Masons etc ,in order to acquire " skills " which will enable them to get " Self Employed "

But the problem is :

*   None of these " re-skilled " jobless will qualify as a " START UP ", under Start Up Action
     Plan announced on 16 Jan 2016

      
*   To start  " Self Employment " , no bank will give them a loan  of Rs 1 Million, with ZERO
     interest for first 10 years , and without requiring any securities


For turning 10 million jobless into 10 million " Self Employed "(@ loan of Rs 10 lakh each ) , would require  EACH  YEAR ,  disbursement of :


Rs  10 LAKH*CRORES  !


Government just does not have that kind of money

But  BLACK MONEY  hoarders have  !

All we need to do is to " INCENTIVIZE " them to help start a " NEW ECONOMIC ORDER " , where Self Employment is not merely encouraged but it is CELEBRATED  !

It does not require passing of any bill in Rajya Sabha to declare :

*  No questions asked , as to the source , for any CASH deposited in Jan Dhan Bank A/C ,
   provided that account holder , first registers on Income Tax Department web site as a "
   Self Employed " person

*  All payments made out from such " Self Employed " accounts , must be by Cheques /
   Credit - Debit Cards / RuPay Cards / Mobile Wallets / Electronic Transfers etc

*  Levy of a 2% Bank Transaction Tax ( BTT ) on all such payments

*  Total abolition of Personal Income Tax for these " Self Employed "

*  Self Employed barred from any loans from banking system

*  Self Employed not eligible for any incentive / subsidy from Center / States


If it does not sound politically correct to call this initiative an " AMNESTY  SCHEME ",

then call it , " SELF  CAPITAL  SCHEME " / " ECONOMY KICK-START SCHEME "


When ,

*  The entire World is set to lose 11 million jobs in next 5 years

*  World Economy is in a downward spiral

*  International Trade is shrinking

*  Jobless / Economic migrants are marching onto Europe / Australia

*  Resentment / Intolerance are mere manifestation of jobless poverty ,


This is the  ONLY WAY , India can make 21st Century , an Indian Century  !

I hope Shri Narendra Modiji - and his colleagues in Cabinet - has the political will  to introduce this in the forthcoming budget on 29 Feb 2016 !

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

hemen  parekh

23  Jan  2016

www.hemenparekh.in / blogs

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

Make    Yourself    Heard

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Thursday, 21 January 2016

TRACK THE BLACK



After staying in a US prison for 18 months, Rajat Gupta , former MD of McKinsey , is at home

Confined to his apartment and required to wear an ankle bracelet that monitors his movements

Some years back , a few Indian students studying in US , were also forced to wear such bracelets - ostensibly for tracking their movements

Last week , there was a news report that all foreigners entering India , will be given special SIM cards that they must install in their smart phones - enabling Indian Authorities to track their movements and to quickly locate a foreigner who overstays his stay

GPS satellites of USA / Russia / China enable their militaries to locate objects on earth , just ONE CENTIMETER apart  !

Medical technology will soon enable doctors to insert into brain , dissolvable sensors , which broadcast the firing of the neurons

But , it seems , Economists / Bankers / Politicians are slow to accept my suggestion to embed all Rs 500 / 1000 currency notes with RFID micro-chips which constantly broadcast those locations to Income Tax Authorities , wherever there is an accumulation of such currency notes , exceeding an aggregate of Rs ONE CRORE ( or whatever )

This is the ONLY / PRACTICAL / SIMPLE  answer to kill two birds with one stone

The bird of BLACK MONEY

And the bird of CORRUPTION


Read my full suggestion at :

www.hemenparekh.in / Blogs 

*   How to Conquer Corruption 

*   A Network of Currency Notes


And let no one doubt the capability of  Indian Technologists to implement this in 6 months , if Shri Narendra Modi-ji was to mandate it

And this does NOT require begging the opposition to help pass any bill in Rajya Sabha !

Will any political party dare to oppose it , even outside the Parliament  ?



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

hemen  parekh

22  Jan  2016

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

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Wednesday, 20 January 2016

START UP RE-DEFINED



No doubt , you have read the definition of a Start Up in the Start Up Action Plan document

I have tried to envisage below, how that might look on that Mobile App for Registration :


*   Is yours a Private Ltd Co / LLP / Partnership  ?...........................................  Yes  /  No


*   Is your Company more than 5 years old ?....................................................Yes  /  No


*   Is your Start Up formed by splitting an existing business ?............................ Yes  /  No


*   In last 5 yrs, has your turnover exceeded Rs 25 Crores ?.............................  Yes  /  No


*   Is your product/service " DIFFERENTIATED "  ?............................................ Yes  /  No


*   Is your product / service " COMMERCIAL "  ?............................................... Yes  /  No


*  Is your product / service " INNOVATIVE "  ?................................................  Yes  /  No


*  Is your product / service driven by ,
    " TECHNOLOGY  / INTELLECTUAL PROPERTY "  ? ............................................Yes /  No


*  Is your product/service ,
   " NEW / SIGNIFICANTLY IMPROVED "  version "  ?.................... ...................... Yes / No

  
*  Does your product/service add " VALUE " to customers  ?................................ Yes / No


*  Does your product/service add " VALUE " to " WORKFLOW " ?.........................   Yes / No


*  Have you got certification  from Inter-Ministerial Board ?................................ Yes /  No


*  Have you got recommendation from Incubator in Post Grad Indian College ?.......Yes / No



MY  TAKE :

#  Each year 12 million persons join India's work force

#  Of these , 3.5 million are Graduates

#  Rest ( 8.5 million ) are 10th / 12th Standard pass or less

#  No more than 1,000 persons will fulfill above mentioned " Eligibility Criteria " for Start Up

#  There will be endless debates on the correct meaning of words in CAPITAL letters above !


WHY  SUCH  STRINGENT  " ELIGIBILITY  CRITERIA "  ?

#  At Rs 2.5 cr loan per Start Up, Govt Fund of Rs 2500 Cr can help only 1,000 Start Ups !

#  Any relaxation in " eligibility criteria " , may result in MILLIONs of persons queue-up !


WHAT  IS  THE  IMPLICATION  ?

#  Funds are just insufficient to help 12 million persons to become " Self Employed "


MY  SUGGESTION :

In India , we are talking of getting " Unemployed " to launch " Start Ups "

Anywhere between 100 million to 400 million " Unemployed " for whom neither Public Sector nor Private Sector , is in any position to create jobs

We want them to become " Self Employed " - what Shri Narendra Modi described in USA , as our " PERSONAL  SECTOR "

They are unlikely to launch technology driven , Web-based businesses , even if their businesses require them to have a Smart phone , on which , their customers can reach them

They aspire to become ( list can run into 200 trades ! ) :

*  Street-side Vendors ( Vegetables / Shoes / Purses / Fruits / Trinkets )

*  Craftsmen ( Plumber / Electrician / Carpenter / Repairer  )

*  Dhobi / Barber / Pan Beedi shop-owner / Tailor / Mochi

*  Doodh-wala / Ruddi Paper-wala / Gajra-wala / Delivery Boy

*  Cook / Maid / Courier / Tuition Teacher / Beautician / Taxi Driver

*  Home-cooked Tiffin Service /  Car wash  /  Gardening ......



How can we help millions of  JOBLESS  to set up such  MICRO - BUSINESSES  ?

By Government ( Central / State / Municipal ) getting out of their way !

HOW  ?

*  No licenses / permits / approvals / conditions / criteria

*  Simple online registration on proposed Web site of DIPP for Start Ups

*  No personal Income tax for individuals

*  No Corporate Income tax for Start Ups for 10 years ( no chance of profit in first 3 years )

*  Amnesty Scheme for enabling Rs 10 million*crores of BLACK MONEY to flow into such
   Self Employment


It is still not too late for our  Policy Makers will think " Out of Box " and implement :

www.hemenparekh.in > Blogs > A New Economic Order - Start Up Act - 2015

Anything less just won't make much of a difference !

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

hemen  parekh

21  Jan  2016

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

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