Even Better India!

My previous blog was Better India! The blog got responses from people, and the subject has touched many hearts! My friend Ajit was very vocal and made strong pointsThese many comments induced me to write this blog, Even better India! 

https://panvalkarpramod.wordpress.com/2019/11/18/better-india/ 

Most have agreed about self-discipline, and road discipline and rule-breaking by ordinary people. But the comments also suggested that if specific actions are taken against a group of people, we can have “Even Better India”! Who are these people? Which is this group of people who need to be controlled? Politicians, Bankers, Rogue business persons? Or all these can be defined under one group, Goondas? Maybe this is too strong a word! People working in government have great opportunities to take bribes, but let me assure you it happens in the private sector too! Let me tell you that taking bribes has been happening even in my parent’s generation! I know it because my father was a police officer and retired as a DCP! Since he was an honest officer, after retirement, he did not have enough money to buy his own home too! Our family found a different solution for them. While I was in school, at some family friend’s house, I had accidentally seen a few bundles of hundred-rupee notes! He was a government official. So how do we start to make even a better India?  

Independent India started with people who had their needs barely covered, but there was only small higher middle class and wealthy class. Our country was in a euphoric mood, and the income tax slab at the top end was 97 %! We were in a socialist mood. There was general hate about wealthy people as if they were some aliens. Wealthy Kings and Royalty were expected, but there was dislike about rich people. At 97 % income tax rate tendency to hide profits and not showing correct income started becoming a norm. My personal view is that I would have also done the same thing had I been a taxpayer in those days. Over a period, the government understood the folly of such high taxation plus need to get linked with the global systemTax % over a period became more realistic and with global links business activity in India started increasing. IT industry suddenly put many Indians in the worldwide workforce. The number of people in the middle class and higher middle class started growing.  

Now we have millionaires and billionaires in the working class. Along with this change, businesspeople started becoming superrich. Income tax compliance increased, but people still started hiding their income, the most standard method was to create a group of shell companies, thanks to the creativity of chartered accountantsSome well-known global accounting firms also started helping businesspersons by suggesting the Swiss Banks and Cayman island routes. Some super-rich became roving Casanovas and had lifestyle which created many Nonperforming assets. Homes in London, Villas in Cannes, spending summer months in St Moritz became the lifestyle of these people.  

When there were so many super-rich people, politicians could not be far behind. The nexus became stronger. The lawmakers tweaked the laws for their friends, and the quid pro quo was not far awayWhen money levels reached thousands of crores, the need for bank loans increased, with this cheating the banks also increased. Over some time, friendly managers, general managers and directors of the banks started the quid pro quo acts with the rich! You help me; I will “help” you!  

Some of the super-rich entered the political arena, along with these people some harmful elements from the society also joined the bandwagon, including those with murder charges, started becoming netas and getting elected in Vidhan sabha and Lok SabhaWe all forget that theoretically, India is a great democracy with significant rules and laws to keep check on malpractices! The income tax departments, enforcement directorates, and other authorities were around but were kept dormant under pressure by politicians. These group of officials were “told” to ignore malpractices done by certain groups of businesses. Politicians thought that they were immune to such actions.  

But in recent years, the government is trying to ensure that the vigilance departments would start doing the job actively, without any influence from interested” people. The action created Mallyas, Modis and Kotharis. People who thought that they could never be caught have become official fugitives. Government has started action against shell companies, and three lac shell companies were forced to closeThe act of closing shell companies automatically brought out the trail of black money. Government has started acting against chartered accounting firms who were “guiding” people to hide the black money trail. A chartered accounting firm in Bangalore was guiding thousands of employees to “steal” money from Income Tax. All these people were made to pay correct tax, and it was easy for the department to locate who was guiding them. The authorities acted against this particular company too! 

The nexus between all these groups is so deep in the system that it is going to take time to bring them to books. Some political families, who were middle class twenty years back now have thousands of crores with them, without any specific known source of income. How is this happening? Will the government have the guts to act against such families? I think the government has shown courage already by taking action against individuals and families 

Supreme Court is also quite proactiveThey are actively pursuing cases like Sahara, DSK, Unitech, Amrapali and many others. The court has put many big shots in jail. They have been told, arrange to return people’s money if they wanted to come out of jail. Mallya, Modi, Kothari have been shamed as they are declared fugitives! They are living the life of fugitives in other countries. The courts, even in the UK, are making it very difficult for them to get bail. These folks ran away from India before they were declared offenders, so their exit from India and entry into the UK has been legal, so extradition has become a tough and longdrawn process.  Banks have also started correcting their errors. The NPA money to the tune of four lac crores has been recovered from defaulters 

One thing is sure that the system does not like non-corrupt officials and politicians. But some non-corrupt people have shown that one can work in the present corrupt environment. When the government started giving various subsidies based on Aadhar card links, many groups and individuals were upset. Some state governments are already acting on corrupt officials, but there is a long way to go!  

Making changes is not as easy as it looks, but again it is about the culture. The world over there is significant corruption in large business deals. But usually, it does not happen on day-to-day be basis like our policemen, anti-encroachment team taking hafta (speed money)! So, it comes back to the same issues what I wrote in the blog “Better India”! If the policeman on roads, clerks in the offices, peons sitting outside the boss’s cabin stop taking haftas, things will change.  

Government action on business people, politicians, and goondas is going to help create “Even better India”! But as Ajit had also mentioned in his comments that the general public is good; no, I don’t agree! All the big guns or goons whatever you want to call them, are being chased and are being taken to task; the same non-hafta culture and culture of self-discipline must filter down to the lowest common denominator!  

Actions need to be taken right across the board and not against only some groups! Combination of these two actions is going to make “Even Better India”!

 

What is democracy?

Last month’s election in Maharashtra was the first time Jaya, and I missed the voting as we were in Canada at that time. From the results point of view, it looked straight forward. There was an alliance between BJP and Shivsena. It was expected to win by a high margin, but though the win was comfortable, NCP and Congress won more number of seats than expected. There was a lot of horsetrading before the election, and many stalwarts switched over to BJP or Shivsena.  

The usual bickering of sharing the power was expected, but Shivsena wanted their 29-year-old, inexperienced prince to become the chief minister at least for half the period till next elections after five years. Some give and take was expected, but suddenly the alliance reached a stage where both sides became very rigid in their stand. The partnership at present looks as if it will take time to mend if at all, it restores.  

Many times we forget who these politicians are! We treat them as different species; it is mainly because of the methods they use and wealth amassed by the corrupt ones. But like any group of people, not all are the same. The percentage of dishonest people whom we don’t like in this group is more than any regular group. But lately, it has been observed a similar percentage of corrupt people is found in the business domain also. The methods of corruption in both groups are different, but at the end of the day, the corrupt practices are mainly about making money with fewer efforts. If possible, the politicians make money using their influence in the government to push the papers quickly, sometimes tweak the policies or help people to find loopholes so that people can perform illegal things. I am talking about the regular business, not the nasty business of drugs or psychotropic stuff.  

Till the BJP government came into power in 2014, all the illegal ways were taken for granted. Some smart investigative reporters would find a few scams that were taking place. Then these would all go to committees and courts! Things continued as usual. A few of these scams were investigated, but the majority remained in limbo. 

What is politics? I don’t know how to define politics. To me, it is an activity where people with different ideologies and thought processes come together, form a group which is called a party. Then they fight local elections, some graduate to state elections, and in 2019, 552 of these people fought national posts in Loksabha. So, it is a gradual process for most people, but some of these people come in a helicopter and directly get into national politics. These are special people from elite families who are “born” to work at the national level! The process of directly reaching the federal level causes significant issues at some stage. These parties remain democratic only by the constitution but are dynastically run organisations. Some of these people are wealthy people, and nobody knows how they make so much money. Looking at these leaders, other leaders also start looking at ways of making money without doing any work. They know that nobody is going to challenge their ways.  

Over a period, it has been observed that many politicians and business persons are hands in glove! So many times, the main work of politicians, of running the nation efficiently with the help of government servants, is forgotten. Some of the government servants join hands with this nexus. The classic method followed by business persons was to have a large number of shell companies to hide the trail of black money. The present government has made an exclusive drive and shut down three lacs shell companies. There were so many such companies, but no one was bothered. Everybody was busy in their own game of making money!  

With such corrupt ways, it was a real surprise that India grew very fast during the last twenty years. That means the Indian economy was large, but a sizable percentage of the money in the system was black money i.e. in the parallel economy. The black money is used for business within the country, but it also encourages nefarious practices! Black money cannot come into the formal banking system. Hence banking systems get stretched.  

Such things are difficult in non-democratic countries like China and Russia. In such countries, only a selected group of people can do whatever they want. Under such system, China has shown tremendous growth but without checks and balances. Now the effect of not having checks and balances are coming out, and the Chinese economy is also showing a tremendous downturn.  

Democracy is a sound system where people have freedom, but there are checks and balances too! India did not implement the checks and balances properly for many years, and that has caused the political system to become more corrupt.  

The logical conclusion of what is happening in Maharashtra should be re-elections! There should be some method of ensuring that alliances which are declared before elections, must form a government if they win the election. Trying to form a government with coming together of diametrically opposite parties is a mockery of the system. It is an insult to the voters who voted for the alliance and the candidate. A friend told me the other day that he voted for a candidate because he was representing the BJP-Shivsena alliance. In the ordinary course, he would have voted for a candidate from a different party who had proven a track record in social work. An average person like you and me feel cheated because of what is happening in Mumbai. Since the ideologies of the other parties are the opposite, they will make an alliance based on the common minimum program. Should the most advanced state in India, Maharashtra, be run on a common minimum program, just because in democracy, things are pretty loosely defined?  

Maharashtra deserves better than this so-called solution of the hotchpotch government. Maharashtra is paying a massive price due to the ego of certain individuals. But to me, it is not only the ego but arrogance. Most of us are hoping that the government will not be allowed to form. Is this the democracy we are looking for? Maharashtra elections for me are comparable with Brexit!

I sincerely hope that no government is formed with presently elected reprentatives. In the next election, those parties who have gone back on words would suffer as people will vote against them.  

My hope is that we have re-elections in April 2020, where we the people will show to these politicians who are the real kingmakers!  

Win-Win situation!

In life, there are many things which need a bit of tweaking or thinking out of the box. By doing so, the situation sometimes improves by some percentage and sometimes drastically. Businesses or offices want their efficiency and profits to go up. Humans wish to have a better work-life balance. Many times, these things do not happen because organisations don’t want to experiment. Status Quo is always good!

Recently I came across a couple of articles. One of them is about a  proven system, and the other one has been tried only for one month.

Around 1995, in the state of Quebec in Canada, the state government started implementing a scheme. In Quebec, French is the first language. Like all other states in Canada, there are a lot of migrants in Quebec too.

But because of French being the primary language, many ladies remained unemployable. In addition to that, there was a problem with looking after the children. Quebec is the only state who came up with a great solution. Till 1995, about 15% of  Quebec ladies used to work.

The solution was interesting. The government started offering French tuition to people either a part-time course or a full-time course. Those attending the full-time course and who were required to keep their child in a creche were paid up to CAN $1100/ per month. The payment made to these ladies encouraged the ladies to attend courses. The number of ladies attending classes increased very fast. As they learnt French, they started becoming employable. But where is the win-win situation?

As the ladies started working, many of them got jobs; they started earning salaries. In Canada, there is a high income tax, and it starts from the base level; unlike in India, where the certain initial amount can be earned tax-free. With the French education scheme, now the % of ladies working has gone up to 80%. It indicates that including men and women, the number of people employed has gone up substantially. It also shows the business activity, and the economy size has also increased. Now the Win-Win situation. All this larger working population started paying income tax. What the government did was to spend money on people to make them employable, and the people are paying the money back to the government by way of income tax. It is now well documented that French tuition scheme has become a great success wherein both the government and people both are benefitted.  The government gets back the money Canada spent by way of taxes, so almost nothing goes out of their pocket.

Microsoft1

Another similar story I read recently about Microsoft, Japan. They wanted to implement a four-day week work for one month, and they declared that all employees would have five Friday’s off during that month with full pay. There were 2300 employees involved in this experiment under the name of “Work-Life Choice Challenge Summer 2019”.

The shortened week led to more efficient meetings, happier workers and boosted productivity by a staggering 40%, the company concluded at the end of the trial. As part of the program, the company had also planned to subsidise family vacations for employees up to ¥100,000 or the US $920.

In addition to the increased productivity, employees took 25% less time off during the trial and electricity use was down 23% in the office with the additional day off per week. Employees printed 59% fewer pages of paper during the trial. The vast majority of employees – 92% – said they liked the shorter week.

In 2018, New Zealand trust management company Perpetual Guardian trialled a four-day workweek over two months for its 240 staff members. Employees reported experiencing better work–life balance and improved focus in the office. Staff stress levels decreased by 7%.

During the last 15 to 20 years, with the advent of computers and cell phone, the culture of “always-connected” started. Blackberry made it even more complicated by bringing the corporate email on their devices. During the night, it was essential to embrace Blackberry rather than your spouse! The global companies operated 24/7 and night time washroom break turned into one-hour email exchange session. In short, the work-life balance went for a toss. The importance of the person in the organisation was based on whether he or she had a Blackberry! The situation worsened when all smartphones could easily do what Blackberry did and more! Blackberry has now become history, but it established the culture of 24/7 into 365 days!

Are humans physically and mentally designed to work in such a culture? The answer is plain, no! Medical science says that humans need to sleep eight hours every day to work efficiently. But with global companies typically having offices in the US, in Europe, in India and China/Japan/Hongkong area, interdependent work is being done 24 hrs a day. So, on a conference call, people would be talking at 8 am, 5 pm or 1 am from different time zones.  Such calls were routine during 2-3 days in a week. On weekends along with picnic hamper, battery-pack became an essential item!

Thank god the people have started understanding the effects of imbalance, though the progress in the right direction is slow. The result of such endless working, round the clock, throughout the year brought out a lot of family issues plus health issues. Sudden heart failures, stroke or nervous breakdowns were classic symptoms. Business and offices are to be run efficiently and for better profits. But was working 24/7, 365 days the solution?

The answer is no because the human body and mind cannot sustain such situations. The new life-style added travel requirements to increase. Now, people have the internet available on flights. Before this availability, people had at least some time to themselves away from the Internet!

The experiment in Microsoft Japan is a life-changing attempt to make life easy and less stressful for everybody. Every family has its things like quick picnics, getting repairs done at home, going to attend PTA’s (Parent-Teacher Association) in their children’s school. Maybe they want to go and see a game in which the child is taking part. Once a week you may wish to take your child for music class. Over the weekend you would like to meet your parents.

Living life is a mix of work, making money and many many other things. But if you do not get the time for anything else other than work, it is not worth it. Organisations have started realising this critical aspect of life. But global organisations have offices in all continents. So, there will be issues of synchronisation. But if there is a will, it is doable. Bajaj Auto has managed to do this synchronisation in their plants. All their plants are shut on Sundays!

Microsoft, Japan’s one-month experiment, has shown very encouraging results. If it is done in the long term across the company world over, the results may not be as good as they seem at one location. There could be contradictions; there could be difficulties!

But the feeling of having correct work-life is on the increase. I have been reading about millennials negotiate work from home facility, work hours to be put in weekly is also being discussed.

We can see that the Quebec system has helped people and state both in improving people’s life. New ways of doing work in businesses and offices are also being discussed. Such actions will lead to more happy people and happier world.

What will be the perfect method? There is nothing perfect in the world, but it is good that the discussions have started in the right directions. Let us hope that people and systems will begin thinking out of the box.

It is itself Win-Win situation as far as I am concerned.

Cheats, Frauds or Failed Businesses!

Last few years have seen unprecedented situations in the construction business where tens of thousands of customers like you and me have been cheated by non-completion of the projects en mass and people are left in limbo. For many, their life’s savings have gone, on top of that, they have to pay the instalments against the loans taken by them.

Unitech, HDIL, DSK, Sahara, Amrapali group, Jaypee group are some of the companies who have cheated approximately 575000 flat owners all over India. Many cases may not have been reported for various reasons. But it is not only the builders who have done cheating. In other cases, the government and banks are cheated, the prime examples being Nirav Modi and Mallya. Recently it is found that in education “industry” too, this trend has started with staff not being paid their salaries for months together.

What is common in all these companies and individuals behind these affairs? After they started business initially, during rising markets, profits were enormous, and probably all of them felt that they had become Gods. Profits are never very high in the industry except in some IT and software related business and Narcotics! I know of an IT/Software global company who are absolute leaders in what they are doing. Even Intel is doing catchup game with them for the last 20 years. Their gross margins are 53%. So yes, the core group of people do buy Ferraris and have huge mansions. But they keep on working 24/7, 365 days. They also invest 30% of their profits every year in R & D. Recently one of their senior executives donated close to 40 million US dollars to start a Computer centre for teaching modern software technologies, at his alma mater. It was from his personal wealth.

All the cheats I am mentioning never bothered about such things and went beyond this, and started treating the companies as their private fiefdom. They diverted funds to personal accounts in hundreds of crores; additionally, they diverted money to different personally owned companies. So everything used at home, including their toilet papers, was spent by some company or the other.

The question that comes to mind is like the title of Count Leo Tolstoy story. “How much land  does a man need?” On the same lines, how much money does a family need? One crore, ten crores, hundred crores, a thousand crores? Maybe my assets are so small that I don’t understand what thousands of crores can do?

One thing is for sure, all of them become very arrogant and think that doors anywhere will open to them by saying “Open Sesame”! Probably they did open in specific corridors but current government in India, since 2014, is closing doors of their cells in jails. Or they have formally been declared fugitives. If this were to happen to me for such reasons, I would not be able to look at myself in the mirror! But not these people.

How do they operate? How did they manage to cheat? In many cases, with the help of someone in the banks, in some cases by defrauding the bank. First major cheat located was Harshad Mehta, 25 years back. In connivance with officers in Bank of Karad, he magically created FD of Rs. 200/ crores and rest we know what happened.  In some instances, senior bank management may have no business sense, or they were bought with some quid pro quo deals! Chanda Kochar of ICICI appears to be the case of quid pro deal where her husbands business was helped against sanctioning of massive loans in Videocon case. In the case of Neerav Modi, there was one middle-level officer who knew the systems well. He helped Modi by doing paperwork outside the computer system. Modi would take every time even higher loans to return previous loans and balance money for himself. I had read the news that he was also in the business of fake diamonds! So maybe his working capital requirement was not high!

In the recent classic case, owners of HDIL in Mumbai joined hands with Bank Management of PM Coop Bank. The bank management ended up giving HDIL loans which were 73% of total loans sanctioned by the bank to all customers. Luckily sleuths have located 1100 acres of land purchased in last few years which is now attached. If there is a delay from the government side to find out the misdeeds, the money trail becomes very weak, and it becomes hard to track assets that can be attached. On Rs.600/ crores turnover, the family had bought two small aeroplanes, a yacht, and huge bungalow in Alibag which was used to invite makers and shakers of Mumbai and Bollywood for parties; also maybe there were collateral benefits (not damages 🙂🙂)

It also appears that these “business people” forget the basic principles once they become big. DSK is one such case from Pune. He came up with the really hard way of doing business. From small projects, he graduated to create a big condo project of about six thousand condos. He handed over the homes in time and had become famous in Pune. After this, he wanted to make a township which was worth more than Rs. Ten thousand crores (the US $ 1.6 billion). He realised that he would fall short of funds big time. Hence, he started raising money. Because of his excellent track record, people in Maharashtra gave him the money, but many internal issues were going on, which came out too late. He used the caste card and convinced Maharashtrian brahmins to keep fixed deposits with him. The deposits were serviced well initially, but later it almost looked like a Ponzi scheme. He forgot the main principle that FD’s are to be returned back to people. Interests need to be paid regularly. He started treating FD’s like equity. I have been told by a friend, one of DSK’s vendor, that vendors were treated shabbily. Kulkarni’s wife would treat vendor’s like beggars. Financially, they were already in doldrums and rumours started spreading; these were not rumours, things had gone out of control. Thousands of customers were cheated; hundreds of fixed depositors were cheated. But obviously, there was no change in his and his family’s lifestyle, they had 46 high-end cars. Their almost ready condos were also found to be under lien! The whole family went into jail. But there is no relief as most of his assets are already under some claim or the other. With all this, there was hardly any progress in the 1.6 billion dollar project!

Ranbaxy is a classic case of cheats. The promoters sold their company to Dai Itchi of Japan. But Ranbaxy concealed and misrepresented many things and finally lost their case with due arbitration in Singapore. But biggest fraud was that one of the brothers could not pay his dues to Dai Itchi as he had diverted Rs. 6700/ crores (the US $1 billion) to a Guru! It is honestly beyond my understanding what these people are trying to do and why they do it!

So it brings me back to the same question? How much money does one need? All these so-called big shots are in jail. There are huge problems faced by courts and the government as the assets of most of them cannot be sold for one reason or the other. So who will complete these stalled projects? How will the people at least get their money back?

I must share one story I was told by someone about a well-known industrialist. He had bought a Rolls Royce; after a few months, he ordered another one. When the industrialist was asked, “Why the need for the second car so soon?” The industrialist replied, ” We had dinner at my home yesterday. A well-known politician said that the car looked superb. I jokingly said, take it if you want. The person drove away in my car at night”! Quid pro quo?

Can one really spend the amount of money that is diverted in such projects? So-called fame, bungalows, homes in foreign countries, planes, yachts, but finally jail! Is the urge to mingle with movers and shakers so strong that they want to “arrive” by any means? I presume that all these are not bad people, but they lost control over their thinking. They all started thinking that the setbacks can be overcome by borrowing more, most of the time, fraudulently! Some of them have fled from India, but the government is making strong efforts to bring them back to India.

The main reason for this situation is that they all started thinking that they had become Gods; all doors to where ever they went would open with their money and fame. But only doors that finally opened for them were jail doors.

Aarey, Quo Vadis?

Quo Vadis?  It is a Latin phrase meaning “Where are you going?”, or more precisely, “Whither goest thou?” First, let me get the facts aside, then we will discuss it. Every metro system needs a yard to keep the trains, do repairs and maintenance, and to clean, etc. It is a technical requirement of the system. Currently, there is a significant dispute created by the so-called environmentalists! Aarey Colony has 450 thousand trees in the overall area, out of which the 2600 trees need to be cut for constructing the facility. I am not an expert in this field, but it is elementary maths that a minuscule number of trees are required to be chopped. Let the experts claim whatever they want to say, but it is no disaster.

If we consider the experts first, there will be some who are really knowledgeable persons; some have pseudo-knowledge. When there is chaos, politicians and celebrities are bound to jump in, especially as the Maharashtra state elections are only two weeks away. Politicians are supposed to be experts in every field anyway! Out of this group of people, some stay in new condos, and others live in older condos. My question to those living new condos is, was no tree cut to build the new condos? Did you complain to authorities and go to the courts to stop such projects? I am confident that in all new condos built surrounding the area of Aarey, more than 2600 trees must have been cut! Where were you, sir, at that time?

When a project of the importance like Metro, where costs are very high, every delay increases the cost of the project. All such projects are conceptualised by a large team of experts from every field, including environment experts. I am aware of the concept as it has been explained to me by my classmate Shashikant Limaye, who is a Mentor for the Pune Metro project. Then there are the green tribunal and the forest department. Permissions of all concerned departments are taken before environmental actions are taken! The beauty of the democracy (or the worst part?) is that in spite of following all the procedures, protestors can still go to court. These people went to various courts, and Mumbai high court finally gave a blanket clearance for cutting the trees.

https://www.indiatoday.in/india/story/aarey-forest-tree-cut-felling-metro-bombay-high-court-pils-protest-1606393-2019-10-04

While providing this verdict, Bombay High Court also imposed a fine of Rs 50,000/ on Shiv Sena Corporator Yashwant Jadhav, who had filed a plea against the tree authority’s approval to cut over 2,500 trees for the Metro project. Jadhav was a member of the tree authority.

Various questions came to my mind while reading about this episode! Do these “knowledgeable” people collectively understand the whole affair better? Some of them are experts in environmental aspects, but do they have the grasp of the overall project? The question is not only about the grasping, but there are many other aspects which you should know. I am giving the information provided by the BMC in the court about Carbon footprint.

Terracon aims to be India’s leading ecological solutions & natural resource management strategic consultancy firm. Its strengths include its technical knowledge and capabilities in the domain of ecology, botany, agriculture, and environmental science, as well as its deep understanding of today’s sustainability issues and the ability to design forward-thinking sustainability strategies.

http://www.terraconindia.com/

The Terracon report was submitted to the BMC recently. It says, “Each metro trip will result in a reduction of 324 kg of carbon dioxide.

One hundred ninety-seven fully loaded metro trips will suffice to offset the annual increase in carbon emission of 63,953 kg from the removal of 2185 trees, which are proposed to be cut.”

It further states, “The Metro III operations would cover the annual carbon sequestration by 2702 trees within four days of operations and the lifetime carbon sequestration of 2702 trees in 80 days of operations.”

The people protesting against the chopping of trees are aware of these studies as these reports were submitted in the court! That is why my title, “Quo Vadis?” What do you want to achieve by the adamance? As soon as the Mumbai court gave the clearance, within a couple of days, trees must have been cut by the Metro team. Still, the protestors have now gone back to appeal to the Supreme Court. The court case is about the felling of trees not stopping the shed work. Now that most of the trees are chopped, why do you want to continue the fight? The usual issues of, we know the best and the Ego come into play. All government authorities, agencies, Environmental Companies and the whole list of experts are ignorant according to these people.

We are not even discussing the convenience of Mumbai’s travelling people, who have currently no choice but to be in the current train compartments as if they are packed Sardines. There is a proven statistic over the years that ten people die every day in railway accidents due to ever so increasing crowding in Mumbai trains. Three thousand six hundred fifty people dying every year are less important than the twenty-six hundred trees.

Years back, there was a similar issue in Pune about road widening. The Industry doyen S L Kirloskar had asked a simple question, “Are trees for us or we are for trees?”

NalStop1

Pune traffic during rush hours.

A similar problem is lingering Pune about a road on a hill, which will cause a tremendous change in pollution, for 20 years. Environmentalists are creating difficulties one after another. The courts have been very stringent about tree felling activity in general. They ensure that if ten trees are felled, anywhere between 60 to a hundred new ones are planted. Courts also make sure that these agencies ensure and report that at least 90% of the newly planted trees are surviving.  Pune Corporation agreed to plant ten times the number of trees chopped; the “anti-development” people make use of the slow court system to ensure that the project will get delayed as much as is possible. Hundreds of thousands of vehicles that need not come to an area called Nal Stop are forced to come there, causing traffic snarls, jams and massive pollution in that particular area. Only God knows what their agenda is! There are many cities or towns on and in the hills. San Fransisco is the prime example of a major city on the hills.

Such groups exist all over the world. Some are really doing good work but most cause nuisance and create trouble for projects like Metros, which are Carbon “positive.” The human race has created many systems during the last hundred years that have made our lives much more comfortable. But later on, humans understood that during this development phase, some significant mistakes had been made, for example, global warming, plastics, and so on. Governments of the world (except it seems the US Govt) have accepted that there is a problem. Nations are correcting these errors, but the process has just started.

In many cases, solutions are also known. For example, in one-time-use plastic items, large investments have been made; so these investors are naturally going to resist. Even they want to go away from such products; but it will take some time to achieve the goals. Human race especially should know! A human takes nine months to grow in the mother’s womb before it is born. Once the corrective action process takes momentum things will move fast.

These anti-development groups are doing one vital work. They ensure that others do not forget that ecological mistakes need to be corrected as fast as possible. But they should choose the right causes. Mumbai Metro is a Carbon positive project and is going to help millions of people like you and me due to reduced pollution, and ease of travel. Most important is that people in Mumbai can travel in Metro like humans and not cattle!

A few friends were having a cup of tea in Mumbai near Aarey! All were smoking! One of them says while releasing the smoke, “This tree felling is bad, it will add to CO2 in Mumbai!”

Friends, please protest, reminding everybody of the ecological devastation of the earth is definitely essential; but be practical and become “a support group for Ecologically friendly and positive projects”! Get blessings of Mumbai train travellers and not their curses!

ERP- Enterprise Resource planning!

I felt that some complex subjects also should be known to more people; hence, I have tried to use the least possible technical language while explaining ERP. 

In my software business, we had developed an ERP called DMS, Dealership Management Systems. It was specially designed for vehicle manufacturers’ dealers. I am sure many of you may have used similar software, and a few of you may have taken part in developing such systems. Many of you may have taken part in implementing such systems. World leaders in this field are SAP. After SAP are Microsoft Dynamics, Oracle et al.  

Enterprise resource planning (ERP) is the integrated management of core business processes, often in real-time and made easier by software and technology. ERP is usually referred to as a sub set of business-management software — typically a suite of integrated applications—that an organisation can use to collect, store, manage and interpret data from many business activities. 

ERP

You must be wondering how come I have switched from blogging to share information about a technical subject. But remember that all the grocers, chemists, restaurants, cigarette vendors almost everybody needs ERP. This ERP that I am talking about is not a software. But people track things manually, or they have information in their mind. Every business must know about stock, consumption, money receivable and money payable and many such things.  

When I go to my chemist, he still does not use an ERP, anything that is sold by him is noted down in a notebook. I am sure he must be maintaining his daily stock in some chopdi. Every day morning, he must be balancing his stock book, ordering the items. He must be aware of the delivery time and consumption pattern of various items. With this data, at least with my chemists, it is very rare that he does not have required medicines in stock. Or else he must be overstocking it! It will create a problem for him because he may not have money available to pay to his vendors on time. To avoid such situations, these folks are busy from morning 9 am to 11 pm, with a quick lunch break in between. They keep on tallying figures manually what an ERP does automatically.  

When I go to grocers, again, it is the same situation. Their shop and Warehouse, I am sure, is always wellstocked. Still, the same story will be repeated with him. One thing is sure you need to do is to keep track of these things either formally or informally. Formal tracking is done by ERP’s. 

ERP’s are used by large, medium and small-scale organisations. When the business software started evolving, initially there were separate software modules for Purchase, Sales, Stores, Production, Accounting, HR departments, and so on. In such cases, tracking and interlinking of everything must have been onerous and cumbersome.

IN DMS, when a vehicle is sold by the dealer, its inquiry is the beginning of the process of sell. When the Invoice is created by the vehicle manufacturer, the vehicle is born outside the dealer system. But for vehicle manufacturer’s internal system, it is born when the vehicle is produced, and the unique chassis number is allocated to it. The beauty of the ERP is that once the vehicle is born and dealers use ERP, the unique chassis number is never required to be entered in the system. It is always retrieved from the data available. This number is used to create an invoice on the dealer (Through SAP), to create an invoice on the customer, to create job card in the workshop, to create warranty claim, to create coupon claim. It is also required to process parts orders for accidental vehicles. Any error in punching chassis number would have created linking issue; followed by emails and phone calls and so on! ERP has solved such problems permanently.                   

We developed the ERP for dealers of vehicle manufacturers. We always got our software approved by the vehicle manufacturers, so that all the business and statutory rules were followed by dealers. I am not going to write about technology or technical aspects or complexities of coding etc.

Our ERP had CRM for basic inquiry management for the vehicles, Sales module for Vehicles and Spares, Workshop management, Accounting, small HR module. For exporting vehicles out of India, the system could handle complete inquiry and Sales aspect. A customer suggested that local dealers should not be allowed access to Export chassis and parts. Export vehicles were sent to the Docks by road. On the way to the docks, sometimes there was a need for workshop support. We had to design a system by which dealers were given access to specific export chassis, based on an incident. It was under the control of vehicle manufacturers.  

For a vehicle to be repaired under warranty, it had to be under specific km or engine hours. But in real life, this never happens. Hence, we suggested that there should be tolerance provided for distance travelled or hours of engine usage. There was one more issue in this. Sometimes odometer (it displays the total distance travelled in its lifetime ) was required to be changed in between, during the warranty period. It worked usually, but for the warranty system, we had to store and add old odometer reading plus current odometer reading. 

There was one situation which we named a Mudflap incident. After the work was performed in the workshop, invoice created and paid for; the person would say, “Oh! I forgot to tell you about Mudflap change”. Such an issue or something similar was a very common issue, but we always found a solution by tweaking the design!  

Following two examples are from the system sold to private workshops. One tricky but the real-life problem had to be handled, especially in the car segment. Many a time the car was sent by the owners with the drivers for repair. These drivers would demand some cash from garages. Now, this is a tricky situation. We created a procedure. If the driver required Rs.1000/, then the system would issue parts worth Rs.1000/ in the Job card. However, the system only included those parts for the billing purpose. But it was never considered in the inventory.  

One thing we learned from this system. Users know the use of the system better than people like us who develop the system. One day one of our customers called to thank me. I said that it was our job to provide excellent software. He told me that your new procedure could be used beneficially in engine overhauling procedure. He said, “What we do is when we overhaul an engine, at least 50% parts are reused. We show that these parts are also as “issued” for billing purpose only, though they were reused!” We never knew that we had created this procedure for the engine overhauling purpose — this facility we never provided in the “official” software of vehicle manufacturers for obvious reasons.  

There was a misconception about vehicle history. History is for the chassis number and NOT for the customer. Vehicles do get resold, but their history does not change. Many parts get changed during repairs, but chassis number is never replaced. 

In the DMS for vehicle manufacturers, we had done a lot of automation. Dealers created purchase orders, warranty claims from DMS to send to SAP. We had created a system by which this processing followed a workflow and was approved by vehicle manufacturers engineers. At this stage, these documents were called SAP ready. SAP ready documents would go to SAP at pre-scheduled intervals and would be updated in SAP. It reduced the workload on the vehicle manufacturer’s staff of punching the data in SAP. 

Similarly, a lot of data like Master data, Invoices, credit notes was sent from SAP to DMS. This data was DMS ready at the SAP side and would be pushed into DMS at prescheduled intervals. This data also got updated in ERP on dealer side saving a lot of time in punching the data.  

I think I am going a little too much into details but what I want to say is that the software like ERP makes life easy for users, creates a lot of information from the data in the form of reports, minimises errors, makes everything available live! It helps everybody to take decisions on time, thereby providing proper service to customers and helps improve profitability as correct up to date information is always available. 

Now in the last ten years or so, EV’s, driverless car systems collect massive data from the vehicles. The voluminous data has given birth to a new field  called data science! This is a totally different field as it captures the vehicle data directly. ERP is about the commercial side of the vehicles, whereas data science will purely handle the technical side of vehicles. 

To conlude, I only hope that I have tried to explain the process in as simple language as possible. My friends from technical background will of course ask questions but my non-technical friends, feel free to ask me more details.

 

Millennial Work-Life balance!

 

Workfromhome2

The above image is eutopian image of working from home!

In the last thirty years, Work-Life balance has gone for a toss! But there are new generation Millennials who are changing the thinking — a millennial is a person reaching young adulthood in the early 21st century.

Work-life balance is the lack of opposition between work and other life roles. It is the state of equilibrium in which demands of personal life, professional life, and family life are equal. Work–life balance consists of, but it is not limited to, flexible work arrangements that allow employees to carry out other life programs and practices.

The term ‘work–life balance’ is recent in origin, as it was first used in the UK and US in the late 1970s and 1980s, respectively. Work–life balance is a term commonly used to describe the balance that an individual working needs between time allocated for work and other aspects of life. Areas of life other than work–life can include personal interests, family and social or leisure activities. Technological advances have made it possible for work tasks to be accomplished faster due to the use of smartphones, email, video chat, and other technical software. These technology advances facilitate individuals to work without having a typical ‘9 to 5’ workday.

People who began working until the late 1980s were docile people and would accept all the rules and regulations of their workplace. Over a period of time, the demand for work and the employee time started going up and up. Through the 90s, the work graph started going up exponentially. Over a period, it became fashionable to be in office for ten to twelve hours a day, and later it became routine. Slowly the long working hours became the norm; going home at the regular time was jokingly called “half-day” leave.

These changes, plus long travel times, made work-life balance totally imbalanced. Competition in business and rat race amongst employees gave a different meaning to this imbalance. People were getting scared to take a couple of weeks of holiday with the fear that if work moved smoothly in their absence, they could become redundant. Such situations made life even more stressful.

I will share a couple of stories, which I may have shared in some other blogs before. A friend came to my house one evening and asked me if I could spend a couple of hrs with him. It was an emergency. We went out, and he said he was doing very well in his job, but his work-life balance was so disturbed that he did not feel like to going office even for one day. I suggested that he should resign. He did resign his job in a week and got an even better job but with better work-life balance.

Another friend went to the US for work for a couple of months. His daughter was unwell, and there was a significant repair work pending at home. One day we had gone to meet his wife. At that time, our friend called and told his wife that now he had to travel to Germany and he would be in Germany for three months for work. We did not know how to console his wife!

In the first story, the friend did not have a choice, but in the second story the friend was senior enough, and he could have decided to travel back home for a couple of weeks before going back again. Workaholic? Or Who cares?

But I am pleasantly surprised to read about the way millennials are looking at the situation these days. When they look for a job, they look for prospects, salary, benefits and flexible working hours. Flexible working hours are now becoming as important or even more important than the salary. Millennials look at the job as a part of life and not the central part of life.

Workfromhome1

Each human has the responsibilities of the family. It could be some repairs at home, Parents-teacher association meeting, helping ailing parents, supporting the spouse when the spouse has temporary additional work pressure. I also agree that these are also equally important aspects of life. Human should continue to enjoy professional work, but if the work is going to prevent the person from fulfilling other responsibilities or having a yearly holiday, something needs to be done.

We read of many examples where people accept a significant pay-cut to achieve work-life balance. If the money you are earning can never be used for enjoyment or support family responsibilities, what is the point in making that money? For many people, work has become an obsession, long hours and endless struggle to aspire to do better in job. It has caused burnout, unhappiness and gender inequity, as people struggle to find time for children or passions or  any sort of life besides what they do for a paycheck.

But increasingly, younger workers are pushing back. More of them expect and demand flexibility — paid leave for a new baby, generous vacation time, along with daily things, like the ability to work remotely, come in late or leave early, or make time for exercise or meditation. The rest of their lives happens on their phones, not tied to a specific place or time — why should work be any different?

Today’s young workers have been called lazy and entitled. Could they, instead, be among the first to understand the proper role of work in life — and end up redefining work for everyone else?

It’s still rare for companies to operate this way, and the obstacles are more significant than any company’s H.R. policies. Some older employees may think that new hires should suffer the way they did, and employers benefit from having always-on workers. Even those that are offering more flexibility might be doing it because current unemployment is so low in certain parts of the world, and they’re competing for workers, which could change if there is an economic downturn.

But such luxury is not possible for many people. People working on the shop-floor of the manufacturing industry, the police, the doctors and nurses, and many such workers cannot work from home whatever modern technology we invent. But the effect of millennials working for better and more flexibility will affect other sectors. Such cascading effect could make the life of workers better than what it is today.

Jack Maa of Alibaba had suggested to his workers to work 996. Nine to nine every day for six days a week. You may get a very high salary but when will you spend it? When will you rest? When will you have quality time with your family?

But the same Jack Maa has now suddenly changed his advice to work three hours a day four days a week.

https://tech.economictimes.indiatimes.com/news/corporate/jack-ma-says-12-hour-work-week-could-be-the-norm/70892513

With technological advances, this is possible in specific industries. Probably people are thinking in the right direction. I am quite sure that once people get real flexibility in work, they won’t mind working a few times even while they are on a holiday. It is going to be possible because your work tools are available to you, 24/7 at the tip of your fingers.

Imagine you are lying on a seashore surfing both on the sea waves and on the net! A vital customer calls you and requests you to resolve his critical issue. Maybe you will do it because your company is taking care of your flexibility needs. So why not go out of the way and help the client?

That day hopefully is not far and it will be Win-Win situation for everybody!