DR. NIMAIN CHARAN BISWAL

  SWAMI VIVEKANANDA A LIBERAL SOCIAL REFORMER       Swami Vivekananda was an extraordinary luminary with gifted wisdom. Although survived only about 40years of life time, born on 12th January 1863 (as Narendranath Datta, in West Bengal, India) and died on 4th July 1902, he is recognized at world level as an unparalleled intellectual and social reformer. He was a perfect liberal socialist, primarily followed (and though belonged to Hindu faith) having been guided by his guru Rama Krushna Paramhans, a Saint widely respected, relying on Vedanta and Yoga, he declared unambiguously that all religions and faiths have equal rights to coexist respecting each other, that was reaffirmed by his famous Chicago speech in 1893. He believed in non-violence, but at the same time, had advocated vehemently that violence has no place in society. He was far ahead of his time and his postulations on life and society remain relevant perennially undisputed. Although some, from time to time, make efforts to d

  INTEREST OR NO-INTEREST OR HOW MUCH INTEREST TO CHARGE DURING MORATORIUM            There is great confusion about charging interest, not charging interest or how much interest to charge during moratorium allowed as a relief measure provided to suffering borrowers as public in general as immense hardship had to be faced by public at large  (borrowers included) due to prolonged lock downs and other containment measures were imposed by the governments without choice to check the spread as well as damages to lives owing to the Covid-19 pandemic and the economic activities were entirely in seize. In India, the moratorium has been allowed in two 3-months terms (total six months period) from March to August 2020, by RBI (Reserve Bank of India) the Regulator of Banks and Financial Institutions (the lenders). As of to-day there is no more extension announced of moratorium beyond August’2020 and the worsening ground situation, while the virus has in fact has found in-road even to rural In

                                         FROM DURBAN TO “HEY RAM “     Mr. Mohan Das Karamchand Gandhi, the Porbandar boy (of India) wanted to be a prominent jurist of the world and went to London to study Bar-at-Law, but the destiny made him Mahatma Gandhi. Britishers threw him out of the First Class Railway Compartment at Durban (in South Africa where he was practicing as a Barrister) in spite of having a valid ticket, as he was an Indian not entitled to travel in a first class railway compartment. That triggered the mind and heart of Mohandas and made his barrister-ship bitter as he could realize the life his countrymen would be leading back home in India and he decided to come back. That incident of being thrown out of train had it not happened, possibly Mohandas would have had different position in life and India’s independence would possibly have been delayed for some more years beyond 1947. He came back, adopted the path of nonviolence uniquely, led India to independence in 19

  COMMITMENT TO PERFORMANCE AT HIGHEST OFFICES   The news that PM Shinzo Abe of Japan has announced to resign due to poor health conditions saying “I cannot be prime minister if I cannot make the best decisions for the people. I have decided to step down from my post” is a bright example of commitment to performance at highest offices in the contemporary times. Upholding this commitment is not easy, as lot of greed for power and position has to be shed with large generosity and with a Statesman’s mind and Heart. PM Shinzo Abe could retain office up to September 2021 as per Japanese system, however he is leaving the chair citing his health reasons a little year before. It is reported that PM Shinzo Abe was suffering from ulcerative colitis for some years.  PM Shinzo Abe had his shares of criticism also, in Japanese tradition, however he had got prominence for his "Abenomics " ( his policies of dragging out Japanese economy from the slugging pit ). The step taken by PM Shinzo

  WHY STOCK MARKETS HAVE BOOMED IN SPITE OF COVID-19 LOCK DOWNS AND ECONOMIES HAVE DOOMED     The lock downs and stoppage of almost all economic activity except some Pharmaceuticals, Disinfectants and Hospital facilities, had to draw attention significantly towards the speculative trade such as stock markets globally, as people thought they could do it sitting at home as it operates in digital and virtual mode. Individuals and Institutions both were attracted towards the stock markets. Reports say in India 2.8 million retail trade accounts were opened in between the lock down period from March 25 to August 25, 2020. The funds and financial institutions have been focused largely in stock markets as their core activities in physical lending and investment got serious beating. Even news of heavy weight investments whether it is Amazon, Facebook or Google who invested giant amounts in equity of some sectors and companies, pushed the stock market upward significantly. Although it is

  CLASS MATE IS A UNIQUE RELATIONSHIP   A class mate is a unique relationship in life, it can’t be compared or equated with any other relationship including spouse, parents, children, blood relatives and other friends. In fact, this relationship is superlative and far apart, different and has more longevity. The other relationships have their own place in life, but a class mate has his/her unique position in life. A class mate is a friend, but every friend is not a class mate. A class mate is a nerve center of unique liberty and tolerance which no other relationship provides in its unique form. One can share anything with a class mate, dirty, funny, fishy and messy which possibly cannot be shared with any other relationship in life time irrespective of age. A class mate is highly empathetic and sympathetic, that no other relationship can provide at all times in its own form. The amount of tolerance a class mate whether same gender or opposite gender can exhibit can’t be shown by any

  SCIENCE, CIVILIZATION AND ENVIRONMENTAL MUTATION   From ancient times or time immemorial, the Science, Civilization and Environment have continuously evolved or mutated in parallel, in interdependence and in inter exploitation. As Human Civilization has progressed, the Science has evolved and the environment has changed. Anyone of the three takes a step ahead and the rest follow the suit or readjust to cope with it. Hence it is an evolution process that get converged and balanced over a period of time and at a specific point of time. Hence each time has a particular balance that was suitable at that point of time reference. It would be unwise and illogical to compare a reference point of time with another reference point of time, comparing there with Science, Civilization and Environment balance existed at each point of time. Also, mindsets of humans operate at different levels with respect to particular reference of time. Therefore, the old mindsets do not be able to cope with new

  LAY OFFS IN SOFTWARE INDUSTRY CAN CREATE SYSTEMIC IMBALANCE IN SOCIETY   There are news reports that a Major Software Company  will do layoffs about 5% of its employee strength in India and that number will be thousands and precisely 10000 as reported. Though the reports are about one company Accenture right now, there are other majors who may follow suit.   The Software industry can give biggest back slash in India over time as it had given a forward slash. When thousands get ejected from the stream it will cause systemic instability. The news reports say the it is routine for the company to lay off about 5% and replace it by new hiring. Laying off and replacing by hiring is no logic and no good a HR (Human Resources) policy and no relief to society. When people are shunted out at mid-career, when the laid offs would have created families, have children and liabilities, dependent parents and family members, shunting one at mid-career level amounts to shunting minimum-5 in equi

  PRINTING CURRENCY IS GOING TO BE THE WAY OUT TO REVIVE ECONOMIES POST COVID-19    It is expected that all kinds of Nations across the world will be compelled and will find the only way out to print currencies to revive their economies. Every Nation globally is announcing or has already announced without having a choice, huge amounts of stimulus packages to bring the derailed economies back to tracks after Covid-19 episode and measures like lock down to contain it at the cost of jeopardizing the economies. It would be futile to expect that such huge funding globally would in any way be possible to be met by IMF (International Monetary Fund) or World Bank or other such multilateral funding/development organizations by loan route as normally done when the Nations come under any crisis situation under normal circumstances in the world. The massive fund outlays announced can only be backed by printing lot of currency at every central bank (RBI, the Reserve Bank of India is the central

  WHAT MAJOR CHANGES COVID -19 HAS DONE TO THE WORLD From Globalization to Localization - There was a time about 2-decades ago, every country looked for integrating globally, now everyone looks the other way, to sustain locally. From Socialization to Individualization - It has forced people to alienate from friends, relatives and social engagements largely. From extravagance to austerity - everyone thinks of saving a unit of money for future contingency, superfluous spending being postponed. From Physical to Digital - everyone thinks if everything can be digital instead of physical. From “Home to Work” to “Work from Home “. Now everybody wants to work from home, without going to Work/Office. From Chinese attraction to Chinese dissociation - Previously everyone was falling for China, now everyone wants to distance from China. From Religious bondage to Religious Freedom - Visits to Places of Gods and

  RULING BY DEFECTION IS BECOMING THE NEW NORM INFECTION IN DEMOCRACY NEEDS CHECK    I n a democracy ruling by election ( by elected majority ) is the norm. Unfortunately in contemporary times, ruling by defection ( pulling elected representatives from rival parties by hook or by crook outside of election ) is becoming the new norm and it is becoming a great infection ( disease ) in the democracy. It was seen in Karnataka State in India, it was seen in MP   ( Madhya Pradesh State in India ) by something called as heavy-weight defection saga, and it had been budding in Rajasthan Sate of India by Revolt of a Prominent Ruling Leader, however it got clipped due to greater resolve of the relevant party, by observed tenacity of local leadership and the inclination of its high command to not let go . Everywhere there will be a soft target, somebody having an ambition (any man / any woman in a rival party ruling by elected majority ) that is not most of the times in concurrence with the le

  GENERAL MYTHS ABOUT WOMEN AFTER MENOPAUSE     Women after “ Menopause “... ( At the outset it is clarified that this note consists of general comments and is addressed towards the friends who have reached the age where they are expected to deal with well respected post-menopause women as spouses or friends and/or they themselves are also respected women having gone through menopause, for their well being. It is not addressed or targeted towards any specific individual in any way, situations in specific cases may be quite different, a disclaimer to that extent is offered for this note). There are lot of myths about anything and everything on human biology. Over the ages, the Science and Society have tried to remove many of the myths and social taboo, still there are a lot of myths to go, over time, depending on the culture, geographical and demographic location of the society in the world.  It is the “ Menopause “ in women, about which myths are very strongly persisting in the w

  SOCIAL MEDIA IS JUST WARM WATER     Now a days it is becoming very difficult to make friends or retain friends, as the social media is becoming a flowing dirty water day by day. On very mundane, trivial and ignorable dialogue the possibility of losing a friend is very high, as the social media tools make everyone a hero practically and face value is gone off the days. If ladies, just saying good morning or good evening can cost you a ( lady friend ) friend/class mate of long time past. I am really surprised at the age of sixty what harm one can do to anyone even by just a message on phone? People are becoming too serious and bad tempered in general. Doubt and mistrust is becoming the norm of the day. The 60 year old husbands/wives are also behaving too possessive on the other side as if some one can snatch their ladies/men from them easily by just some messages the spouses may be making to their friends. Can a house be burnt with Warm Water ? At the age of 60, while the ladies/

  PHILOSOPHY OF LORD GANESH IS NOT JUST A STORY OR LEGEND, IS A RESPECTABLE WAY OF LIFE   Lord Ganesh ( or Lord Ganapati as otherwise called )  philosophy is not only a story or legend but a way of life, very respectable. In other parts of the world and outside India, as I have heard in first mouth Lord Ganesh is popularly called as “ Elephant God “ as pictorially He carries the head of an elephant and body of human. In a number of countries I have experienced people knowing Lord Ganesh ( as Elephant God ) and asking curious questions during my visits in the past. As per the mythological story, the elephant head was transplanted in the body of Lord Ganesh when he was a child because, while Child Ganesh was guarding at the entrance of her residential abode, on her instructions, when Goddess Parvati ( mother of Lord Ganesh and wife of Lord Shiva ) had gone to take bath, Lord Shiva tried to enter the residential abode and Lord Ganesh as a child did not allow him entry without permissi