State Bank Sanchar Nigam Limited (what an idea sirji)

For the last decade or so the corridors of policy making are frequently visited by the white walkers of FINANCIAL INCLUSION, even the so much hallabolla of “Hindutva” new ideology and god knows what not is also going along the same ideology of the previous government. RBI is going full guns blazing and came up with “new” and “innovative” means, such as white label ATM( which ironically is much like the white elephants, too costly to maintain) and Payment/Small banks( which is a cheap rip-off of methods already utilized world over like “M-Pesa”. The stark irony is that the concept was copied without any payment to those who developed it and then named payment bank)

I am not a holy cow either what I am trying to propose is just a step ahead of the work already done by others. The beast if financial non-inclusion can be tamed to a certain extent with the help of telecom revolution.

The idea is very simple yet powerful, what if instead of going to the bank I could check my bank balance and other bank related things right here in my humble abode with my simpleton cell phone without any internet connection?? wait a minute walk a step further what if the balance of my cell phone is actually my bank account balance and instead of going to the bank /ATM to get cash how about if I only some of my balance to others. No going to the bank, no cash in the pocket and not contingent risk of cash transactions plus added interest on the bank balance as I have the flexibility of taking money out of the account at the very moment when I have to make the payment.

What??? Risk !!! financial illetracy bla-bla wait !! don’t jump the gun, let us see a case at hand. I am a poor MGNREGA worker, my bank account hardly touches 10,000 rupees and on a daily basis I usually spend maximum 300 rupees. What will this scheme has done for me?

1.      I have a flexi account, apart from 500rs that is the balance of my cell phone (aka-wallet) the rest is treated like a fixed deposit as soon as the balance becomes low in my cell phone some money flows from that fixed deposit and makes my cell phone balance again 500.
2.      I don’t have to carry cash, I can even transfer any petty amount to anyone’s cell phone as a means of payment and as soon as their cell phones balance crosses their specified limit the rest goes into their flexi account. So even they don’t have to go to the bank. However if they want they can get cash from the bank or ATM anytime they want.
3.      As I don’t keep much cash( usually people keep safe cash so that in case of ATM malfunction they can use it---it happens a lot) I acquire more interest
4.      I need only a basic phone no internet, no smartphone and no data charges.  Transactions are via USSD(Unstructured Supplementary Service Data) and to maintain it the provider might use the interest on the mobile balance( as it will be specified by customers)
5.      I can also be targeted with better financial products etc. and my transactional data which was never recorded gets organized and the so called Big Data firms can use it to sell me stuff.

What is in it for the implementing agencies?

1.     Major part of infrastructure already there

2.     Can even give social security benefits via this scheme

3.     Can work for rejuvenating “Sarkari companies” eg: while State Bank of India has one of the largest NON PERFORMING ASSETS, BSNL is a loss making PSU. If they both join hands and use their reach among the masses to to do this type of business both can become profitable and that too helping “Me”-A MGNREGA worker in the process.

4.     Finance minister himself reiterated that poor are more dependable and bankable, I believe him—any day better then believing than Vijay Malaya and getting drunk.

Bottom-line is makers of our constitution trusted in the uneducated voters and made the most amazing document; we must also trust the financially illiterate population to turn around the world’s biggest democracy to the most financially connected country.

Science Vs Religion

Ever since I can remember I have heard, seen and imagined science being kicked in the guts by Religion (no offence to science). Sir Isaac newton defying the trinity (God, Son and the Holy spirit), Rise of “The Vatican” subsequent messengers of science being killed, buried, hanged are pretty common in history. lol not like the “common sense” in people today, but what if Religion and Science are the same what if this whole conflict is like a Hindi movie where in Ram keeps on fighting with Sham until in the end their mom comes crying and tells them about their common origin :P

That is what I believe science and Religion are the same. In the next few minutes I will try to bore you with this Hindi movie. It all started millions of years ago, people knew all about Science. They became intelligent and wanted to keep things safe from wrong kind of people (sounds like a movie!!! Wait it gets better) so they created a façade called Religion. Just take a moment and think about it, with Religion if I could take Science entirely and ever one is Religious that means no crimes, unity in people, you can control them the way you want either by fear or devotion. So Religion actually is Magic that can actually take care of everything the only concern is with so many Religions people are not intelligent enough to interpret them correctly. I will give few examples that will also prove Science and Religion are same as well as all Religions are good. Every Religion says that people are equal; one should care for ones kith and kin. God is watching you that means so that we won’t need all those CCTV cameras and its innate for every human to be an anarchist if you tell them it’s a rule they will break it but with Religion they don’t feel it like a rule set up by other humans, also the concept of hell and heaven based on your deeds is unique so here goes Religions are good. Just need to read the instructions correctly whatever has been said and told in history of Religions is true. I will show you some examples, men can fly, we use telephones for telepathy, we can dry oceans in one go like “Rama”. Skeptics can ask me anything and I will try to prove it to them.

So far so good but you must be thinking I am believer but wait, no I am an Agnostic. This is where I tell you about the grandness of the God. What is god??? Well it will not be so difficult. To me God is energy. If all the matter combines to a single point, we reach prior to Big-Bang. That thing will be highly shining and nothing can withstand the radiations coming out of it.(the aura of god is not possible to withstand). That thing will still be of a point size. How does this explanation helps??? Well Einstein said matter is nothing but highly dense compressed energy. Religious books say God is everywhere and is in everything so by both explanations “God is indeed energy”.  Just different names. Let me present a few analogies stars : Angles, Blackholes (formed after the death of Angles):devil. If we combine everything to one point that will be God. For energy it always was after the destruction. It can change from one form to other. Anything and everything is plausible with this simple idea. God sacrificed himself for this world this after Big-Bang the unity dispersed to give life. Intelligent people who created Religions always knew this and beyond, they just created a façade because it was easily perceivable and people can be manipulated based on it. So just think about it but the truth. We need only the right way to interpret it.   

vegan bodybuilding recipes

Hey, it seems like you are looking for some vegan bodybuilding recipes. Well, you have arrived at the right place. Here, you will find a collection of various vegan bodybuilding recipes that are easy to prepare, taste great and will also help to build huge muscles. Keep reading to find out more about these various vegan bodybuilding recipes that you really need to know for vegan bodybuilding.

Peanut protein bars

What you need?
1 cup natural peanut butter (or alternative butter)

1 cup honey

3 cups oatmeal

2 cups of whey protein (optional)

5 drops of vanilla essence

Sprinkling of raisins, sesame seeds, flax seeds, goji berries, dried cranberries or choc chips

What to do?

Start by heating the peanut butter and honey in a large non-stick saucepan at a low heat until both the butter and honey become runny. Now, add the protein powder and oatmeal followed by a sprinkling of raisins, choc chips or whatever you find suitable from the above-mentioned suggestions. Next, add the vanilla essence and stir the mixture properly. After mixing, pour the mixture into a tray and let it set for at least 20 minutes. Slice into 10-12 equal bars and wrap in a greaseproof paper and store in a fridge.

Tofu spread

What you need?
100 gram tofu

3 teaspoon sunflower seeds

1 teaspoon sesame seeds

Juice squeezed from half lemon (if desired, you can add more)

Salt (according to taste)

2 teaspoon extra virgin olive oil

1 to 2 teaspoon of nutritional yeast

Little amount of water

What to do?

First, crush the seeds in a grinder, and then blend all ingredients in a blender. Blend the mixture until it gets creamy. However, it you find the mixture too dense then add some olive oil or water to it and blend for some more time.

Tofu and spinach soup

What you need?
3 inch long chunk of fresh tofu

2 bunches of fresh spinach

3 cups of vegetable stock

1 tablespoon of light soy sauce

Ground black pepper and salt to taste

What to do?

Divide the tofu into 12 small sections. Rinse the spinach leaves well and cut them into small sections. Boil the vegetable stock in a wok until it comes to a rolling boil state. Add both the tofu and soy sauce to the boiling stock and simmer for about 2 minutes. Now, add the spinach leaves and simmer for some time. In order to make the soup clear, skim the surface. Then, add the seasonings and serve immediately.

Nut drink

What you need?
8 almonds

2 dates

1 banana

1 teaspoon of sesame seeds

1 teaspoon of alfalfa seeds

1 teaspoon of kelp powder

¼ teaspoon of spirulina

¾ pint water

Mix all the above-mentioned ingredients in a mixer.

Banana and sunflower smoothie

What you need?
3 bananas

2 tablespoons of sunflower seeds

1 desiccated fig

1 cup of water

Blend all these ingredients in a blender properly until it gets smooth.

So now you know about various vegan bodybuilding recipes. As you see, all these recipes are very easy to prepare and also take little preparation time. So you can prepare them whenever you want. This is what makes these vegan bodybuilding recipes a good choice for every vegan bodybuilder. If you are also looking for some easy-to-make, nutritious and of course delicious vegan bodybuilding recipes, then the recipes given here could be the right choice for you to help with your journey of vegan bodyilding

Vegan Bodybuilding possible?

Vegan bodybuilding is is becoming more of a popular trend where a bodybuilder builds strong and powerful muscles by refraining from animal products. They derive nutrition required for muscle recovery and formation from plant food sources. However, many people may ask, “Is bodybuilding possible by abstaining from a meat diet?” Well, the answer is “Yes”.

If you are excluding animal products from your diet, then there are chances that your body may be deficient of these vital nutrients required for muscle building. Careful planning and wise choices are required to become a healthy vegan bodybuilder. Proper planning and food choices are required to make a vegan bodybuilder meal plan healthy and well-balanced.

Include certain foods in your diet that replaces animal protein and other nutrients. The following vegan bodybuilding meal plan can provide you with complete nutrition to build an impressive physique.

1. Get the best Vegan Dietary Sources for Bodybuilding:
Proteins:

Protein is the key element for muscle growth and recovery. Both essential and non-essential amino acids help to provide basic ingredients that help in the repair of wear and tear to damaged muscle tissues after rigorous workouts. Vegan bodybuilders should include plant proteins that comprise of 8 amino acids. Some of the plant sources that offer complete proteins are legumes, soy, hemp seeds, corn, nuts, grains and beans. Some of the best sources that can substitute dairy products are almonds, beans, sunflower seeds and sesame seeds.

Carbohydrates and Fats:

Include enough amounts of carbs in your vegan bodybuilding meal plan as they are crucial for growth of muscles. Include organic foods that provide you sufficient fiber and low glycemic carbs to keep your blood sugar levels normal. Fat should comprise around 30% of the total calories. Nuts are the best plant sources of omega 3 fatty acids (fats).

2. Meal timings:

Eat 6 to 8 small frequent meals to keep a constant influx of all the vital nutrients. The sufficient supply of nutrients act as fuel for muscle growth and recovery so you can workout harder the next time you hit the gym.

3. Enough Calories:

Vegan diet is high in fiber but less in calories due to large quantities of fruits and vegetables. Take 15-20 calories per pound of your body-weight to meet the minimum calorie requirements of bodybuilding diet.

4. Fortified foods and Protein supplements:

Include fortified rich foods such as fortified cereals, bran, dried peas and beans and other protein supplements.

Sample Vegan Bodybuilding Meal Plan:

Breakfast:

This should include vegan protein source such as rice, pea or hemp. You can include granula, soy milk or bananas.

Pre-lunch snack:

Take a handful of nuts such as pistachios or cashews or 2 slices of soy cheese with 2 slices of whole grain wheat bread. You can also take 2 tbs peanut butter with one whole wheat bagel.

Lunch:

Lunch should comprise of proteins and carbs. You can include soy protein powder or bar, organic brown rice or quinoa. Take beans and other green leafy veggies with 2 slices of whole wheat bread.

Snack:

This should include organic protein bars and variety of nuts.

Dinner:

A high protein stew is best for a vegan bodybuilding diet. You can include large bowl of vegetable salad or veggie soy cheese burger patties.

Post-dinner:

This should include any protein food such as granula bar, natural peanut butter with bread or soy milk.
A typical vegan bodybuilding meal plan is all about making wise food choices that provide you complete nutrition to get a well-toned body.

Happiness Unfolded

I have got to admit I don’t write, rather it is my subject that writes for itself I am just a medium. Lately my activity has seen a decline on my blog just like the decline in the US economy unlike it I am joining the Indian economy and trying to regain the lost charm in writing.

As I said I don’t write it is my subject that writes for itself, so I finally got a subject which is a buzz world among the people around me even getting more famous than “Porn”. If you been through this time of your life you might have guessed what I am talking about. It is future more like the “fatureee” in our case. People around me have just got a bump in their ambitions and trust me this bump is more than the jump in the sensex. Though as we all know sensex is really volatile so looks the “bump”. Everyone is trying to make the most of their time, though they don’t even know what the value of their time is. It has been wisely said the best way of using your time is to “do what you love to do” so that at the end of the day you don’t consider your time as a waste.
Try to be like a child. We all say that we miss our childhood days. What was so great about those days?
Let me remind a few things about yourself back in those days:
You never thought of failure even before attempting any feat be it catching a snake. Now you don’t do things you just keep hold of your snake and leave everything behind. We have become so scared of failure.
Earlier we used to question everything and now we simply don’t care. Oh come on don’t give me this shit that you don’t care. The truth is you can’t even if you want to. We used to learn so much in those days and now we don’t even bother to learn.

Who am I fooling you won’t change now. We never respect what we have, and it’s not just males even no one respects present. As we miss our school days and keep maledicting our present days. A time will sure come when we all will be working or studying for alien aims. We will all remember these days. our time now when we have so much leisure time to full fill all our desires but we don’t do anything but just lamenting on the past, keep apprehending about the future and never respect our present.

Ice Age Possible?

Ah!! What a fine morning , I am in what might appear to be my next life, probably a rodent(I am a survivor ) and I don’t know what you might be, but you and me share a very strong bond and I am not yet ready to let you go we are still friends. We walk out of our skyscrapers (dry trunks of trees) time for our morning fun but there is nothing around but snow, where are we? Are we in heaven? Because of our “good deeds”, well this place is freakishly cold to be a desirous heaven, how can Urwashi and Rambha dance with their voluptuous bodies in this pee-freezing cold. Well it’s not heaven it’s our earth the year is 130012(quite ironic huh!! how could a rodent keep track of time? Well there is nothing much to do.) Despite our various “efforts” the CO₂ emissions just couldn’t stop. Life started to merge into the place from where it once originated the oceans. But this is not the reason why you and previous me vanished, we did lived in Venice for a change for a while, cultivated land gone …we ate lobsters only for a while …so what did actually happen??

Our carbon footprint diminished …..Sounds like Galileo saying earth is round to the church huh!! But that’s what happened. Don’t believe me? Ok let me explain it a bit. With all polar ice melting all the permafrost was released and there was a sudden rise in CO₂ levels and the temperature. The ocean level rose and no much ground left to live on. Well nothing much was left. Most of the vegetation grew up in ocean beds we(whatever was left of us) survived on fish and other aquatic animals but we couldn’t stop the vegetation from blooming. It even ate away the entire CO₂ that we released it kept on growing. It started taking big chunks of CO₂ never touched before on the other hand we because of lack of food and fresh water diminished and our CO₂ emissions were like clothes on an Indian beggar. With oceans eating away CO₂ like a diesel guzzling SUV and our emissions like a hybrid soon greenhouse effect started reducing and temperature began sinking to new lows. Suddenly earth turned on its orbit(happens every 26,000 years Milankovitch cycles ) and the entire northern hemisphere became dead frozen, most of the CO₂ producing animals including me( humans) were dead, well but would you like to take revenge from the plants that killed us all?? Well you can’t because of low amount of CO₂ levels and entire frozen surface the flora also became dead under heaps of ice (which later decomposed to give permafrost) suddenly earth was an Italian stripper mostly while(because of ice) with little patches of colored spots(where there was still life and people like me). My ancestors the rodents are the survivors along with you my friend(probably an insect).

Sounds like a Sifi movie, but no that is what will happen and has always happened after every 80,000 years (ice age) or so, we can all yell for reduction in GHGs or whatever, we can never change earth. What am I doing now? Well I am writing a paper on theory of relativity because when the earth will turn again and bring life back on earth, when monkeys will walk out of woods they will need my paper to make them feel like an intelligent species thinking they actually can control everything. Till I talk to you next time about the next ice age. Is it how this cycle has been going on forever?  Is it how the earth will be till the Sun is not dead? Are we humans are definite to extinct no matter what we do? 

RISING UP WITHOUT BURNING DOWN

 When we talk about the globalization of our economy and then start boasting of our redundant growth in spite of the financial turmoil entrapping the world, there is a cabal of skewed eyes to our opinions. These are the people who call themselves environmental fighters. This gives us a society divided into two factions:

The optimists of globalization who embrace free trade, free markets, liberalization and privatization,

Anchor to the impressive growth rates of GDP, total trade, foreign direct investment and institutional

Investments and foreign reserve reflect optimum. At the other extreme are the pessimist who detest

Multinational and globalization and believe free trade favors developed nations and will lead to

Western cultural and economic invasion, slowly tearing apart the cultural fabric and national identity.

They refer to visible poverty, farmer suicides, abysmal infrastructure and low spending on health care

And education to discount progress. Rural India remains impoverished and urban India finds itself

Polluted, chaotic and deteriorating. In this context this paper analyses the impact of globalization on

The environment of Indian economy.

In the Indian context globalization plays a gargantuan role, because of the economic slowdown in the western world, most of the MNCs are looking towards India. The huge jump in the automobile sector is a clear indication of that. It is supporting our economy to keep up the GDP growth rate afloat. The automobile sector is just the tip of the iceberg because of cheap labor, lack of judicial accountability, proper environmental protection laws and easy availability of land among others any company gets a fillip to invest in the Indian market, be it through institutional investors on direct investors. So in lieu of the facts any one can say that our growth story looks robust and even though the western crises may continue but the domestic demands will prevent out growth rate from nose diving. 

But now look at the other picture, in a energy deficient country like ours, for the industry to grow at this pace we will need brobdingnagian proportions of energy. Where will that energy come from? Nuclear!!! With the accountability laws available, I don’t think so. Oil!!! Seems unlikely we can hardly manage oil the oil for our transport sector. The only option left for us now is coal. That means we are going to invest heavily in the mining industry, subsequently burning it in the power plant to get the energy. Seems fair enough. STOP ! . there are 2 fundamental flaws with this line of thinking until recently no one cared much about the mining licenses but after the 2-G scam now the allocation of coal blocks through competitive bidding. The greater setback is in the environmental field where now GO and NO-GO areas have been defined. Though the ministry of mines is still pushing for clearances but the environment ministry under the leadership of shri. Jai Ram Ramesh was reluctant for it. Even though it is evidently clear that outrageous mining has disastrous impact on the environment still we want to go for it, the big question is WHY?

Here is the crux of all this argument, somehow a faction of people think that economic growth is much more important, even at the cost of environment. These people are the ones at the top of the food chain. It is said that in the fight between money and environment, money always wins. Some of us immediately pop up the question money or air is necessary for our survival? A wise economist will answer “I will pack clean air in packets and then sell them to earn profits.” The triumph of money over environment was recently re-established in the US when because of the slowdown the prices of solar cells fell drastically and thus making them economically viable but still the federal government couldn’t invest in them. Why?? Because the fossil fuel junkie companies having being invested a lot in the politics couldn’t see It happen. The other aspect is that every nation is supposed to cut their emissions, with this strategy I don’t see it happen. The main point that emerges at this point is the most important thing is to have a lot of money and if you have money you can even have considerable influence over the words strongest democracies. Some of you might disagree but the wars in Middle East?? Did it bring anything to your recollection?? Where are the weapons of mass destructions??

Greendex overall scores

Who is to blame for this sorry state of environment? Most of us in the developing world will point fingers towards the developed world. This to a certain extent is correct they have burned a lot of fossil fuels. So should we blame the entire massacre of environment on them?? It may be interesting to see things from the other perspective, we in the developing world have a huge population, 36% of the world’s population lives in India and China so our per capita emissions will definitely be low, on the other hand with developed world with a lesser population is bound to have higher per capita emissions. Is this the correct logic? Well the debate is still on. That’s the basic reason the US is always neglecting any legal binding agreement. So does this mean Indian government should stop its industrialization let its people be poor and thus let millions die of starvation?? I don’t agree with that. I don’t know still why Indian government is so willingly taking on the cuts. Who am I to judge? How fare is that the rich countries can buy carbon credits of the poor countries and then they don’t have to go for any cuts all they have to do is practically pay some amount for it. Well I am not a judge but a noble prize was given just for this concept. Doesn’t it look like a western controversy?? Here is another fact when rich guys want to pay with the poor all they do is give useless incentives to the other nations. Assume an American policy maker say “ok these are the developing countries they are shouting foul about my emissions why don’t I make a comment and make a the chairman from these countries so that he will definitely work hard for getting commitments from his country”. I am not judging anyone all I am saying is it is a possibility at least the data shows it.

CONCLUSION: Globalization in India has not led to a uniform consensus on ways of achieving

Sustainable development methods. Globalization measures are only end of the pipeline clean ups and there is no more to have a quantum shift towards green, sustainable and environmentally friendly methods of production and to phase out the environmentally destructive mod of development. Globalization could have been the key element in the introduction of sustainable practices everywhere but short term and vested interests of powerful TNCs and industrial countries have made certain that there is no digression to a sustainable path: which would affect their own profits. Since sustainable technology and commodities are not available in all sectors and need to be evolved both economic and environmental policies should unite to encourage the growth of and research in alternative methods of production and consumption that are environmentally safe. If the same amount of subsides, incentives, coercion research as well as free trade that is directed at present to unsustainable development, is instead directed to green industries and products, then there is hope that the environmentally destructive path of the present globalization regime will be averted and sustainable development will become a reality. The tragic result of globalization in India is increase of human misery and ecological degradation.