Grivances 9

Indira Mishra:

The system of government should be changed

Once the system of government is changed, we can get our success over monopoly corruption despotic rule of bureaucracy which dominates over mass media, journalism and innocent public lives. It is not the sentiment of party feelings like Hinduism or non-hinduism.

It is not based on parliamentary discussion or procedure or laws makings, so many policies like anti-corruption policies or demonetization policies, beti Bachao policies, it is one awareness within the mass or voice of the public, the voice of India which can bring a tremendous change in administration as well as a system of government. Though many innocent guys have sacrificed their lives, it will not go in vain. In the real bureaucrat system of government, laws in parliament are manipulated or governed by a handful of politicians in the centre, they legislate all laws which are favourable to their political system to get votes or public faith, the riddle is complicated to be solved.

They work according to the sentiment of the public, they manipulate the sentiment, emotion of public making certain projects or awareness like beti bachhao, beti padhao, kissan yojna LPG gas connection, dhana jana bima yojana , Ayushman yojana in real those are weapons to play with the sentiments of lower-middle-class society

Who are biased or manipulated easily. It does not make any difference in higher or middle-class families because they know how to use their source of money. They can maintain smartphones or laptops with broadband recharge.

They can upload so many apps internet banking systems, UPI transfer of money from one bank to another bank easily in the internet banking system of mobile or laptops.

They can make so many transactions in credit, debit google pe, pay tm, phone pe so many online payments through internet banking from wallets to various apps. It is the time of digital transactions, shopping with various advantages and discounts, various mobile recharge options by mobile internet broad brand services with the advantages of multiple payments, shopping options of commercial apps as well as banks which are linked with various commercial apps with their online shopping platforms like amazon Flipkart Paytm myntra and snapdeal.

Even these apps are promoting to various brands like Trendz reliance, ajio, serusti, max fashion, fab collection viva in one online marketing platform. Eventually, the middle-class market is dominating over the so-called real shopping centres or virtual physical market, we can observe the time is changing so fast, highest competition in the field of digital e_commerce, electronic marketing. The physical concept of marketing is going to be abolished, it is going to be converted into internet online marketing.

Henceforth it is not at all a difficult task for the middle class or rich class people whereas, in the case of daily labourer class, they cannot manipulate their bank accounts using internet banking system remembering their logging passwords, so many codes IFSC codes bank accounts no to transfer their money in any commercial merchants accounts so easily.

They need to be trained for that finance-related education, basic networking digital knowledge which is not so easy for workers who are not so educated.

Government can assure them of so many insurances, so many health schemes as well as agricultural yojanas but they feel comfortable dealing with cash payments, direct dealings of money in the giving and take process. They do saving in more trustworthy banks with direct process of saving in passbooks but they do not depend on google pe, Paytm, airtel, free charge, phone pe and amazon pe procedures of payments through the digital transfer of business.

They do not want third party systems in their business like farming or consumer's deal. Government should think of the majority population, their facilities instead of focusing more on the middle class or higher rich class facilities, their advantages of commercial business dealings. The poor or lower class groups under the poverty line, are the

real strugglers in our social

economic changes of Indian lifestyle. Our pattern of lifestyle should not be changed so rapidly. This group falls in the majority below 60% of the population who strive or struggle hard to survive. They do not rely more on digital modes of payment or transactions.

The poor section is not poor in reality. Obviously, they are more secure, more mentally stronger, they are both physically and mentally stronger enough than rich class people who always depend on security, advantages, bank balance, medical facilities, comforts in private hospitals etc. They depend more on daily workers, more security, more drivers, more maids etc. Even physically the immunity system of the poor class is much better than rich class society. They do not go for bodybuilding or gyms rather they work hard in the agricultural fields for harvesting and farming. They work as daily labourers in construction sites carrying bricks, mud and cement in such pandemic corona time to give us secured shelter. They used to live in thatched sheets or tin slums houses. They harvest crops, corns pulses, seeds grains, wheat, onions, potatoes in plenty to suffice the demand of hunger in us, the most available goods or needs in emergency time of pandemic corona. India never faced the crisis of food or essential food materials in food stock markets during corona time. The credit never goes to the political parties or ministers in the centre. The credit goes to the Indian farmers only.

Many ministers, government officials easily were affected by corona were as very few farmers and daily workers rarely fell in clutches of corona except those who drink alcohol drugs regularly. Anyway, their immunity system is quite stronger than our delicate system They know where government works, they have seen poverty, they know where development exists, which private companies or corporate organization gives them jobs. They are not worried about rapid changes in social or political or economic changes of lives. They struggle hard to earn their earnings, daily wages hard earnings of rice and bread.

Somehow they arrange for their basic needs, they never believe in racism nasty politics of religious roit. They fight strongly or boldly for a change seriously either against corruption or reforms or racism or rape or murder injustice in social-political as well as government fields. They protest very strongly. They give votes against racism or corruption. They know better about the functions of government. They know where government organisations work seriously. They are not against Chinese or American companies like Swiggy or Zomato or Ola or uber or big baskets or snap deals or grofers or Amazon. They know these companies give us jobs, people get jobs easily. They are beyond all racial feelings. They are more broadminded. Conflicts riots racism is done in more intellectual political rich unethical selfish groups. They are highlighting or spreading these nasty notes or articles or thoughts more in social media like WhatsApp, Facebook websites journalism through various videos.

Ministers, political parties, rich society of people try to manipulate mass media wasting both time and money lavishly on FB, WhatsApp and tweeter for political motives only. It does not make any change over all sections of life.

Facts of demonetization

PM took a drastic decision in an emergency situation it is called to get back or control black money which I feel is one serious attempt to prove his decision and policy forcibly to be accepted by the people of India at any cost. He enforced the bank systems to follow demonetization, unnecessary work pressure on the employees. He is trying to prove himself as the correct destiny maker of future India. With the advice of the RBI chief Mr Patel, PM took such a decision. He declared arbitrary or emergency decisions to the cabinet ministers in the parliament suddenly without taking their opinion or votes. It is interrogated that the whole financial system he made so complicated that lower-class and the middle-class public are standing on the rows for hours and hours to convert their old money to new money. It is nothing to get back black money to white money. The big industrialists were alert of such a project. So they have done their essential arrangements. Now 50 lakhs of money has been on transaction unnecessary burden for all. He is declaring proudly that he will collect all black money from frauds people. It is like playing whimsically with the sentiment of common lower-class and middle-class Indians. Politicians, industrialists live safe peacefully always.

The corrupted will reach to main Bank authority in converting their black money easily through the third party, they will deal through corrupted banks employees easily. Modiji cannot get back black money. He will not be frustrated as he knows before as 1.3trillion money scams could not be traced out or returned back to our banks. SBI, RBI, ICICI HDFC and Axis banks are running after the corrupted men to get back the loans they had taken from our Banks. How could they be able to do so? Who supported them? They are our bank's people in collaboration with corrupted ministers only. That all know to invest in foreign equity first of all you need an FPI account and the limit is 2.5lacs per year.

The market growth is better, stable and high ranking in the USA compare to India, hence you get more returns.

On the contrary, Foreign companies use the FDI route to invest in Indian companies and most of them invest large sums hence generating larger profit with a small increase in stock price. Indian companies DII, retail customers don't invest much in the Indian equity market till now. But the scenario is changing with better education on the financial inclusion movement.

E.g. in USA retail investors are more than ~60-70% of the total market compared to below ~5-10% in India informative note was sent by Smruti Kanta Mohanty my ops group friend.

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Currently, money has no physical shape or appearance. We cannot deal with money or currencies as more cash payments. The time is changing with the changes of social needs. people go for a cashless economy. Network banking system where we opt for internet online banking only. Demonetization could not bring great revolutionary changes. It could not eradicate corruption or black money. Financial affair is rather more controlled by the government and private banks who used to handle all transactions of the monetary system of our country along with all national, international fund a big circle which goes in a chain or a circle just banks to banks with such tremendous changes in our digital banking system, internet banking online credit payments, the cashless monetary system brings the world into the cashless economy.

All commercial business centres, companies, trade centres, various organizations, institutions will just go for the digital banking system, their own cashless economy with transactions internet banking and online transactions dealing with customers and various business entrepreneurs or organizations. One time will come when we may feel crazy to see physical currencies of rs10, rs20, rs50 and rs100. We will like to preserve 5rupees coins as our precious memorable collection. We cannot assure where the black money goes because, we cannot go for demonetization, already we are proceeding with Paytm and other digital credit payments.

We cannot assume who is controlling our monetization. It cannot be assured by banks or share markets or trade markets or forex currency market or bitcoins market or global financial banks. Our money or currencies just go cashless in digital or internet transaction systems. One thing is sure that electronic appliances, technology or devices are used to control our national economy. The browsers, internet INR the software which is provided by Microsoft, ultimately control our economy. Our Indian economy along with other countries are is controlled by digital banking system through credit card and debit cards, silver and gold international visa cards, UPI transfer of money if KYC is verified, everything is done automatically so smoothly through OTP verification method but identification of your own profile password or login password, which is safe in microchips of your visa card as unique identification number with CVV, simple method of payment in a global transaction.

So money rotates all over the world in the net banking system so easily from national beneficiary accounts to international beneficiary accounts, from one bank to another bank through National electronics transfer of the fund to international electronic transfer of fund through Android, mac, ques, Microsoft company software. So we cannot say who is controlling money, where is going money in a chain.