A Comment on increasing trend of gold imports by India which is not good for our economy

My comment on an article "Gold imports likely to touch 1000 tonne this year, up 11%" published in the economictimes.com Dated 22/12/2015 at 11 pm.


"This is horrible. So much of gold imports means so much of funds outgoing from our country. 

If 1 kg. of gold is supposed to worth Rs.25 lacs, then imagine how much of money is going out. Hundreds of billions. What a horrible picture. 

There should be some measures to curb this. Running behind gold for all occasions should be restrained by people and use the money instead to invest in better options of income generating investments."

A Comment on the need to design buildings to facilitate easy accessibility for disabled persons

	Your comment on the article ''Revision of building code for the disabled to focus on accessibility'' is now displayed on timesofindia.com Dated 20/12/2015 at 12:20 pm.
	''It is a good thing to discuss all the circumstances that contribute to the safety and protection of disabled people. Buildings should be constructed in such a manner that they cater to the minutest needs of disabled person. All facilities should accommodate to their needs without risking their life. Suggestions should be sought from all experienced people who are suffering disability and find problems in their day-to-day life.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A comment on Paris climate talks and draft agreement

	Your comment on the article ''Five things you need to know about the Paris climate change draft agreement'' is now displayed on timesofindia.com Dated 13/12/2015 at 1:15 pm.
	''The climate deal is only to limit further temperature rises to well below 2C. It means the temperature levels already there will remain as they are and only further rises will be monitored for control. Even for this agreement, it is reported that a last minute telephonic call by Obama to Xi Jinping made it possible to reach at this agreement of bringing down further rises.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A Comment on Chennai rains and floods

My Comment on an article "Chennai rains: City turns island; road, rail, airlinks disrupted" published in the economictimes.com Dated 02/12/2015 at 10:45 pm. 


"Too much frightening atmosphere in Chennai. Rains have created a scary situation disturbing the lives of people. 

This kind of worst situation has never been witnessed since many decades in Chennai. It has become an island completely cut off from approach by even rescue providers. 

It has been more than one week since the Tamilians Diwali festival (Karthika pournami day) it is continuing like this. Added to that the devastating severe floods caused by the release of waters from canals and reservoirs due to incessant heavy rain on 01/12/2015 flooding the city completely.

Very sorry situation for the people of Chennai city and other neighbourhood places. May God help them in their distress. All those helping them either through social media or personally need to be appreciated and blessed with good wishes."

A Comment on Google spreadsheet and good samaritans helping Chennai flood victims

My Comment on an article "Chennai floods: Google spreadsheet comes to city's rescue" published in the economictimes.com Dated 02/12/2015 at 10:30 pm. 


"Very nice efforts are being done by these techies and good samaritans of Chennai in providing help to the flood victims. 

The rains are too severe this time flooding many places and rendering people homeless. Especially the continuous downpour on Tuesday and release of waters from all barrages has severed the conditions even more. Many localities have been flooded. Relief measures provided are not sufficient to meet their immediate requirements. 

So, the online crowd sourcing information and help offered would be of much help to those helpless victims in finding some refuge."

A Comment on Rains creating havoc in Chennai and MNCs accommodating their staff

	Your comment on the article ''Chennai rains leave Tech Inc marooned; firms like IBM, Cognizant, Infosys enforce contingency plans, relocate key staff'' is now displayed on timesofindia.com dated 25/11/2015 at 3:30 pm.
	''Very much alarming situation in Chennai and Tamil Nadu. Rains have created much havoc, unexpected and inexperienced previously. So, it is a good gesture of these MNCs to accommodate their staff in safer places along with their families. Companies should think of the welfare of their staff who render their services honestly for the benefit of their Company.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A Comment on How to plan and meet your financial goals and retire happily

My Comment on an article "How to meet your life's financial goals & retire happily" published in the economictimes.com Dated 25/11/2015 at 10:40 am.


"Very useful article. It deals with many financial goals of life like marriage, having children, buying a house,retirement plans, starting a business and many related issues. 

The author clearly detailed all possibilities and risks involved in each case with examples. It is a good guidance for all "

To buy a house, one should first save at least 20% for making down payment. So, save that much money in 2 or 3 years and then consider purchasing house. EMI should be not more than 50% of income. You should plan accordingly.

Possessing family requires similar planning. Your expenses will double or triple. So, you should be well prepared for it by increasing income and keeping an emergency fund in stock for meeting at least 6 months expenses and delivery expenses and you have to bear the expenses for child education for 21 years. All these require attention. 

China's economic slowdown and effects on India.

My Comment on an article "China's economic slowdown adversely affected India: Raghuram Rajan" published on economictimes.com Dated 21/11/2015 at 5:50 pm.


"True. China has been always our trade partner and any economic slowdown in China will definitely affect our economy also. 

We import so many goods from China which are sold in China Bazaars all over the country, mostly cheap electronic goods and other commodities. 

Saying that their economy does not affect us is absurd. We partner in science and technology also and all these areas get affected."

A Comment on 23.55% increase of pay to central government employees as per 7th Pay Commission

	Your comment on the article ''7th Pay Commission recommends 23.55% hike; OROP for civilians too'' is now displayed on timesofindia.com Dated 19/11/2015 at 11 pm.
	''Happy news for all central government employees. 23.55% increase in pay and accordingly corresponding increases in pension amounts are great welcome news. The link insurance contribution ranges and minimum contribution amounts have also been substantially increased now to cater to their retirement benefits and social security plans.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A Comment on Eating out and Telephony gets costlier from 16th November, 2015

My Comment on an article "Swachh Bharat Cess: Eating out, telephony gets costlier from today" published in the economictimes.com Dated 16/11/2015 at 1 pm.


"I think people can afford this much tax from their pockets. 

If you eat food for Rs.1,000 at any restaurant, the new service tax payable will be Rs.58 instead of Rs.56 previously charged till 14th November. So,you are paying only two rupees extra now on a Rs.1,000 bill. 

So, there should not be any grievance at all at this new Swachh Bharat tax."

A Comment on PAN card cost increased by Re.1 due to Swachh Bharat cess

My Comment on an article "Swachh Bharat Cess: PAN card gets costlier by Re.1" published in the economictimes.com Dated 16/11/2015 at 12:40 pm.


"It is a good step taken by the government to introduce Swachh Bharat cess @.50% on all services with effect from 15th November, 2015. 

But, the money so collected should be strictly supervised by administration and used only for maintaining a Clean India and for any other related welfare projects that may aid the poor and common man."

Great success for Bihar CM, Nitish Kumar

My Comment on an article  "Bihar election results: 10 reasons for Nitish Kumar's win" published in the timesof india.com Dated 08/11/2015 at 1 pm.


'''It is a Great Reward for Nitish Kumar's image. Winning the Bihar elections with nearly 2/3 majority is a great achievement.

He has been a great performer in developing Bihar both technologically and economically taking the inspirations from other developed and developing states of neighbourhood. 

Even though it requires much more labour and initiative from the CM and his team of performers, the present state of affairs in Bihar are much better than 10 years ago and it is all due to Nitish Kumar's vision.''

A Comment on Railways making tougher rules for cancellation and refund of tickets

My Comment on an article "Cancellation of rail tickets gets tougher" published in the economictimes.com Dated 07/11/2015 at 10 pm.


"The move being taken by Railways may be aimed with some good intention to curb malpractices and black marketeering. 

But, the real sufferers can be genuine passengers who might miss the train due to some unavoidable circumstances. Most of the train passengers belong to middle class and poor income category. So, if they miss the train and have to forego all the money, it will be a severe blow to their economic position. 

Government should adopt some other ways of curbing malpractices instead of introducing these new rules regarding cancellation and refund fees of tickets."

A Comment on Kishore Biyani's next-gen Big Bazaar

My comment on an article "Kishore Biyani introduces next generation Big Bazaar, predicts death for online grocery players" published on Retail.economictimes.com on Dated 7/11/2015


"It's a good vision being foreseen by Biyani for his Next Gen Big Bazar. 

But, predicting death for other online grocery shops is unwelcome. It is something like establishing monopoly over the entire market. 

Hope that other business investors will also modernise their techniques and keep competing in the race to maintain fair play."

PM Narendra Modi's Gold monetisation schemes and release of Ashok Chakra gold coins

My Comment on an article "Gold monetisation scheme & gold coins with Ashok Chakra to be launched on the eve of Diwali: PM Narendra Modi" published in economictimes.com Dated 25/10/2015 at 10:20 pm. 


"Very much pleasing and welcome schemes are being launched by our PM before Dhanteras festival which falls two days prior to Diwali. It is an hectic festival of Gold and Silver purchases.

Gold monetisation is a great scheme for common man who can now deposit his gold articles in banks and earn some income. 

Similarly, Gold bonds are also safer instruments for investment. You need not keep physical gold, but only Gold papers. And earn interest too. 

Regarding printing of gold coins with Ashok chakra, the quantity being considered for bringing into market presently seems inadequate as there can be more prospective buyers of coins on Dhanteras day for using in Lakshmi puja. 
Besides, the denominations of 5 gram and 10 gram coins can not be in the reach of common man. So, government should consider bringing out 1 gram gold coins with Ashok chakra in huge quantities to meet common man's interests." 

A Comment on spiralling prices of yellow pigeon peas and other lentils (toor dal, urad dal)

My Comment on an article "Tur dal touches Rs 200/kg in wholesale; may stay pricey till Diwali" published in the economictimes.com Dated 15/10/2015 at 10:50 pm. 


"Instead of spending so much money on imports, our government should offer the money as incentives to farmers growing pulses. 

We have so much large areas of land fit for cultivation and if we utilise most of it efficiently through proper planning, we can be self sufficient in all food grains and pulses. 

Presently, the production of pulses is a meagre 17 million tonnes whereas the demand is 27 million tonnes. So this gap is utilised as an advantage by hoarders and black marketeers. Naturally, the people will be willing to part more money to buy these essential commodities and prices will keep going up. 

Our governments should do something to keep the production enough by offering incentives to farmers, instead of looking for imports as an option, so that the farmers feel satisfied that their efforts will give fruitful results.

A Comment on Rahul Gandhi's jibe at PM Modi for changing clothes 16 times in US

	Your comment on the article ''He changed clothes 16 times in the US: Rahul's jibe at PM Modi'' is now displayed on timesofindia.com Dated 07/10/2015 at 5:15 pm.
	''So what? He changed clothes to be more smart and attract top leaders as his purpose was to attract them to make in India by elevating the image of our country. It depends upon person to person approach. You should deal with them in their own style to attract and convince them that you are something of worthy to be taken interest. He has been trying to get India noticed by the top countries of world.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A Comment on making PAN must for cash transaction above certain limit

My Comment on an article "Government to soon make PAN must for cash spending beyond a limit" published in the economictimes.com Dated 07/10/2015 at 4:50 pm.


"I hope this will be a better way for tracking transactions more accurately. 

Making PAN mandatory for all cash withdrawals exceeding Rs.20,000 and for each purchase above Rs.50,000 can be a good measurement of authenticity of transactions. 

This will help in preventing unauthorised transactions and use of black money in most cases. Even though, it may not curb all transactions where the hoarders have already much unaccounted cash with them and thereby do not use banks or any registered / recognisable means of trading."

A Comment on rate cuts and economy

My Comment on an article " Market indecisive? Top eight sectors where you can scour for value bets" published in the economictimes.com Dated 01/10/2015


"To speak the truth, there is really no honey in this money play. 

Rate cuts are only elusive when think about the way inflation has been growing each year. The real inflation pictures are not depicted in the charts. 

Our common man can know better what all this means. The growth in income by way of returns for produce or through salaries or wages is nominal when compared to real inflation in cost of living. So the consumer actually receives no benefit as he has to pay always extra from his pockets."

A Comment on RBI cutting the repo rate by 50 base points

MY Comment on an article "RBI provides booster shot to economy, cuts repo rate by 50 basis points" published in the economictimes.com Dated 01/10/2015 at 4:48 pm. 

"The benefits of this rate cut should be passed on to the customers by the intermediary banks and institutions that get facilitated in their transactions from the Central Bank (RBI). 

Then only can there be any of that positive influence on economy."

A Comment on introducing pre-filling of tax forms by Central Board of Direct Taxes

My Comment on an article "Now, your income-tax forms will be pre-filled to ease e-filing" published in the economictimes.com Dated 24/09/2015 at 10:20 pm.


"Good move being taken by our government. The department of Central Board of Direct Taxes (CBDT) is taking many customer friendly steps recently, like implementation of e-filing of returns and automated processing of refunds. Now, this one more step of pre-filling of forms for the benefit of taxpayers.

The forms of taxpayers will get automatic feeds by relying upon previous year's data and also by taking into account the increased incomes that are known through records updated by customers periodically. 

So, at the end of the period, the taxpayer only needs to verify the figures and submit the return. It will ease the work of both the taxpayer and the I.T. departments also."

A Comment on Research about Netaji's mystery

	Your comment on the article ''Netaji mystery: More research needed on Faizabad saint'' is now displayed on timesofindia.com Dated 20/09/2015 at 11:20 am.
	''This mystery is taking very interesting turns and twists. Too much secrecy and precautions are being maintained by the governments and people involved in it. But how far? The truth must come forward one day or another. None of the Indians believe that his death was due to plane crash. They are simply silent as they can not trace out the exact cause of his disappearance. But truth must be known.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A Comment on US Fed keeping rates unchanged

My Comment on an article "US Fed keeping rates unchanged may be helpful for emerging markets: Wilbur Ross, WL Ross & Co" published in the economictimes.com Dated 18/09/2015 at 10:15 pm. 


"May be good for our Indian economy and other developing / economically weaker countries. 

And, as per the observations of Wilbur Ross stated above, the rate increase could have ended up with a much more impact than the actual rate increase that might have initiated by Fed, due to volatile market speculations and expectations of further increases. 

So, it is overall, a good decision taken by the members to not to increase it."

A Comment on recent improvements in Ease of doing Business in India

My Comment on an article "Ease of doing business: Gujarat bags top slot; AP, Jharkhand, Chhattisgarh, MP among first Five" published in the economictimes.com Dated 14/09/2015 at 10 pm.


"Seems there has been much development in easing of doing business now. 

Provisions and facilities for filing all bills, payments and taxes online has eased much tensions of the public. Now, there is no need for waiting in long queues. Every kind of business can be done at the press of keyboard at one's own convenience.

It is glad to see that many states have emerged with more or less better facilities for doing business. Gujarat has developed a lot within a shorter span of time. Andhra Pradesh has also been business friendly since many years."

A Comment on Uber and Ola posing challenge to auto makers

My Comment on an article "Taxi-hailing apps like Uber, Ola could eat into auto sales: Anand Mahindra " published in the economictimes.com Dated 12/09/2015 at 2:30 pm.


"Competition is always good. There should be some competition or threat always, so that people does not indulge in taking undue advantages of the others. 

Now, car makers should come down with their prices, besides improving quality of features and providing technologically advanced equipments and tools in the vehicles. 

This is for the benefit of the consumers that Ola and Uber have emerged with their challenges."

A Comment on Sensex hitting 14 month low in the first week of September, 2015

	Dear Reader,
	Your comment on the article ''Sensex hits nearly 14-month low ahead of US jobs report'' is now displayed on timesofindia.com Dated 04/09/2015 at  4:50 pm.
	''I hope it is not due to our non-performance. It is the result of European economy slowing down and the massive Chinese jolt. The Greece breakdown and China slump has triggered all these fears and added to it is those of US speculations causing fears if Fed contemplates on hiking the rates in the nearby future.''
	Thanks for sharing your thoughts.
	Regards,
	Team TOI

A Comment on Raghuram Rajan being praised by Global economists

My Comment on an article "Global fund managers hail Raghuram Rajan for good work" published in the economictimes.com Dated 28/08/2015 at 11:30 pm. 


"True that Reserve Bank of India is gifted with such a good visionary and most capable man. 

His perception and predictions of ever changing economy are much reliable and based on deep analysis of facts and calculations. So he deserves all applaud in his own style of tackling the situations."

A Comment on the trend of markets as of now at the behest of China's bearish economy

My Comment on an article "Sensex may fall by another 1,000 points, Nifty by 300; Go short on rallies: Experts" published in the economictimes.com Dated 26/08/2015 at 10:30 pm. 


"The present trend may not be too much alarming. It is only a temporary fall which should last for very brief time. 

Already some crucial decisions have been taken by the Chinese banks to control the recession and the downfall of markets. 

The immediate activity in markets should be beneficial for selling and earning whatever margins possible. 

Investors should stop in fresh investments or they should proceed very cautiously if taking risks. Watching the trends for 2, 3 days would be more advisable now."

A Comment on China adopting to cut in interest and repo rates.

My Comment on an article "China cuts interest rates by 0.25 percentage points" published in the economictimes.com Dated 26/08/2015 at 10.15 pm.

"It is a very smart and intelligent decision. 

On one hand, the RRR has been reduced by 0.25 percent and at the other end, they are reducing the lending rates also so that as much of funds can flow into the markets. 

This should aid in controlling the dwindling economy of China to some extent. And exports on the other hand, if boosted, should bring in the foreign exchange which also is an important element for the stability of any economy."

A Comment on an accusation of RBI governor Raghuram Rajan's policy by critics

My Comment on an article "Biggest threat to Modi govt's "achche din" is RBI governor Raghuram Rajan" published in the economictimes.com Dated 21/08/2015 at 10:40 pm.  


"I do not agree with this author's endorsement for a 50bps rate cut nor accept the charges levelled by him on Raghuram Rajan. 

Just like he is terming Rajan as hawkish and ill informed about realities, we can term this writer also as partial in his outlook and biased in his views. 

I don't think, a rate cut will solve the problem. Rate cut can, on the other hand, lead to more funds in the hands of public and thereby inflation also. Simply implementing rate cut can't lower the burden on housing sector. Construction material should also be available at lower prices. 

Governments should impose more strict adherence for passing on of benefits of all social reforms to the common man instead of getting stuck up in the hands of middlemen." 

A comment related to disclosure of investments and interests in your Income Tax Returns

My Comment on an article "You could be filing a faulty tax return; here's how to avoid getting it rejected"  published in the economictimes.com dated 20/08/2015 at 5 pm. 


"Very useful article for taxpayers regarding filing of their tax returns correctly and accurately. They can check all the points raised by this author and see whether they are fulfilling these things before filing the return."

The main points to note are that one should declare his assets and investments and the rent or interest received from those items. while filing the returns. Otherwise, they could be liable for default and fined for willful non-disclosure. 

One should bear in mind that only interest received on savings accounts are exempt from tax, not others.

A comment on an article dealing with Freedom from Financial worries

My Comment on an article "Five steps towards freedom from financial worries" published in the economictimes.com Dated 11/08/2015 at 4 pm.


"Very useful article giving guidance on securing your life with smart financial planning and investment policies. 

This article stresses on the need for differentiating your needs and wants as the basic principle for financial planning. 

I also support this view that one should try to avoid some unnecessary desires and wants in order to save funds for future and be happy on a long run instead of looking at present enjoyment."

A Comment on Changes in Rules for Tatkal Booking with regard to identity proof

My Comment on an article titled "Railways modifies identity proof rules for Tatkal travellers" published in the economictimes.com Dated 28/07/2015 at 10 pm.  


"This is a very  good amendment in the rules for Tatkal bookings. 

Now bookings can be done very easily and quickly on net as you need not provide id proof while booking. 

Only you need to keep any one of the identity proofs with you in original while travelling. 

And when you are in a group of passengers, then, only one person of that group is required to produce the proof of identity which is truly a very great relief to the travellers."

A Comment on the demise of our "missile man" APJ Abdul Kalam Azad

My Comment on an article "The assignment which Dr A P J Abdul Kalam could not give to IIM Shillong students" published in the economictimes.com Dated 28/07/2015 at 9:50 pm.  


"He has been a great visionary always with great ideas for well being of people and improvement of their life. 

His contributions to the space technology as well as the health of the people in our country and the whole world are greatly appreciable. 

He will ever remain in the hearts of people. May his soul rest in peace."

A Comment on Greece and European economy

My Comment on an article "Why rich European nations want the Euro to work" published in the economictimes.com Dated 11/07/2015 at 10 pm. 


"Very intelligent and interesting article about need for finding a solution to the crisis struck Eurozone economy. 

The author compares here with US economy and argues for following a similar policy to strengthen the Euro currency and thereby the Eurozone economy. 

Very deep analysis of the vital points and possibilities available have been discussed by him. Policy makers can think over these matters and find some tangible solution to the crises."

A Comment on capping withdrawals from PF money for social security

My Comment on an article "Government plans to cap premature withdrawal of PF money at 75% of total amount" published in the economictimes.com Dated 11/07/2015 at 3 pm.


"Good decision by government to cap the withdrawals from Provident Fund deposits. 

People should learn to save something for future, either voluntarily or by compulsion. 

Spending out all earnings for present needs only is not a good habit. If you get habitual at spending now for satisfying all present needs, then from where will you get money in the future after your retirement or at any other occurrences? 

Practice austerity from now itself to be happy throughout your entire life."

A Comment on PM Modi's question: Why can't Google be made in India?

My Comment on an article "PM Modi launches Digital India campaign; asks why can't Google be made in India" published in economictimes.com Dated 04/07/2015 at 2:40 pm.


"One may be thinking talking and dreaming is easy. 

But you should accept it will lead to action. Dreams make us think and thinking leads to talking and discussing things. Unless you discuss, you can't get clear ideas. And clear ideas combined with some determination to achieve something will definitely lead to action. 

So it is good to see our PM is thinking about all these things and prompting public discussions. So, our brain power can be invested in realising these dreams successfully when all of us contribute to it."

A Comment on running of families with less than Rs.10,000 per month income

My Comments on an article "92% rural homes run on less than Rs.10,000 per month" published in timesofindia.com Dated 04/07/2015 at 12:15 pm.


"Very discouraging figures. 
People are still far below the minimum standard of living. Even now, so many of the families are earning less than Rs.5,000 per month. 

How can they eat full diet required for their health. And how can they work and earn, if not able to live sufficient food? 

All the government schemes and projects are unable to provide any relief to these people. They prevail only on paper and does not reach the real victims."

A Comment on EPFO making Universal Account Number mandatory for all employers

My Comment on an article "EPFO makes UAN mandatory for all employers under its purview" published in the economictimes.com Dated 22/06/2015 at 10 pm.


"Very good initiative taken by EPFO. Universal Account Numbers (UAN) provide great relief to workers who frequently shift jobs or get transferred to various places in same company. They need not apply for transfer of their account or funds to new place. They will be holding a single account number universally applicable throughout their life even after changing jobs. This is the great advantage in this scheme. 

Members need to provide bank account details for proper and prompt action of activities into their accounts. As mentioned, the deadline for this has been fixed as 25th August, 2015."

A Comment on last date is nearing for exchanging old currency notes.

 My Comment on an article "Only 10 days left to exchange your pre-2005 currency notes" published in the economictimes.com Dated 22/06/2015 at 1:30 pm.

"So, anybody having stocks of pre-2005 currency notes need to present the same immediately at banks or deposit into their accounts within the period in order to get them exchanged for new notes. 

The last date to do so is 30/06/2015."

A Comment on news about Greece facing Bankruptcy

My comment on an article "Greece faces bankruptcy, Banks may not open on Monday" published in the economictimes.com Dated 20/06/2015 at 3 pm.


"Very alarming situation. The developments and deadlock in Greece are too much signs of crashing economy. 

If investors become doubtful about the credibility, they will naturally pull out funds from their accounts. It's no wonder. 

The government should do something to end the deadlock in negotiations and arrive at a feasible solution immediately, getting or garnering the help from Germany and the like countries of European Union."

A Comment on EPF and your funds management

My Comment on an article "EPFO may have ruined your retirement plans.Here's how" published in the economictimes.com Dated 17/06/2015 at 12:25 pm.


"Everything in this article is assumed. If things had been like this, this would have been the result. 

Whatever already happened, you can not change. 

EPFO is doing their best according to their prudence. You can not blame them. Whatever you are getting from EPFO is good as you could not have saved a single pie if you have been let alone. 

The scheme is obligatory. Hence you are saving even this much. 
Now, it depends on you how you manage your remaining funds. You should find ways to invest some more besides this EPF, if you are so much concerned about your future. 

So "Do not blame EPFO". They never ruin you, rather make you prosper."

A Comment on Live worms found by a techie in Nestle Cerelac Baby Food

My Comment on an article "Live worms found in Nestle Cerelac baby food in Coimbatore" published in ETRetail.com Dated 16/06/2015.


"Pests and worms are those which one can not avoid however he may take care and precautions. They do not need prior notice to enter. Since child hood we find them at all places. In food grains, pulses, vegetables and virtually anything that you may come across. So how long can one avoid them?

Moreover, how can you find fault with somebody for these things entering your zone?

How long can you sue them? Don't you know how our previous generations spent their lives? They had to clean every grain or every piece of pulses before cooking. It is only now that you get clean packed items. 

Even now we come across worms in vegetables and fruits. Do we sue the seller? It is not possible nor reasonable to do so. We can't blame them for all these things. Nobody has control over these creatures. Only you can demand an exchange of the item with a new pack."

A Comment on Nestle India's loss due to Maggi row

My Comment on an article '10,000 trucks, 6 cement plants to destroy 27,000 tonnes of Maggi noodles" published in livemint.com on 15/06/2015. 

"Very pitiable condition of Nestle India. The maggi noodles revelations have cost a huge unbearable loss to them.

Imagine noodles of about 27,000 tonnes worth Rs.320 crores being recalled from 3.5 million retail outlets in 10,000 trucks and then crushed in at least 6 cement plants to be burnt out in incinerators(kilns with long, high pipes for emitting gases into atmosphere) at high temperatures. 

The cost of hiring trucks, wages, hiring cement plants all these are extra. Add to it the damage caused to their 100 year old brand image and loss in shares, retrenchment of staff and other consequences that may follow."

A Comment on our army's recent operation neutralising militants in Myanmar

My Comment on an article "India's response to Manipur ambush: How army's highly secretive operation neutralised militants in Myanmar" published in the econmictimes.com Dated 10/06/2015 at 10 pm. 

"This is a befitting reply given to the militant groups that ambushed our jawans at Manipur recently. 

It will also serve as a warning to all those who may try to infiltrate into our borders to cause damage to our lives.

We should not tolerate any such attacks henceforth. May the souls of our brave jawans that were killed by the militants, rest in peace."

A Comment on PM Modi considering allowing foreign university campuses in India

My Comment on an article "PM Narendra Modi to discuss topic of allowing foreign universities to set up campuses in India" published in the economictimes.com Dated 09/06/2015 
at 12:30 pm. 


"This is a welcome step being taken by our Modi government. 

Allowing foreign universities to open up in India is of much importance to our students who are facing much problems because of many reasons in continuing their higher studies at available own universities due to which they are compelled to go abroad and study. 

Once abroad, they may think of settling there and thereby depriving our country of their valuable skills and talents. 

So, this opportunity should be fully taken as an advantage to loosen our grips and invite foreign universities to set up their campuses immediately in India. This will boost our educational standards and also keep our young talents within our country."

A Comment on New Income Tax Return Forms available now

My Comment on an article "Six things to know about the new income tax return forms" published in the economictimes.com Dated 08/06/2015 at 10 40 pm.


"These are some useful revelations about the structure of new Income Tax Return forms. 

The new IT return, ITR 2 and ITR 2A, contain only 3 pages in place of the old forms containing 14 pages.Only relevant details basically obligatory are to be provided in these forms. 

Now, you are not compelled to disclose details of foreign trips or dormant bank account details.

Any other data can be enclosed as schedules to this Form. Consequently the last date for submission of forms is also going to extended till August 31."

For full details of changes and amendments in forms, you should go through the article at  this Link

A Comment on some bad practices at Kumbh melas

My Comment on an article "Disown sadhus taking drugs during Kumbh" published in the timesofindia.com Dated 06/06/2015 at 12:50 pm. 


"It is one very important issue to be dealt with seriously. 

Sadhus or any gentleman should be moral examples to the society with good habits and thoughts. 

So why some people indulge in such bad practices of taking "ganja" and smoking "hukka" and indulge in consumption or distribution of bad things to society? 

I wonder how these things came to be associated with Sadhus!!! Taking the name of Lord Shiva, people involving in such things is very much unwelcome."

A Comment on US denying visa to our archers fearing 'no-return'

 My Comment on an article "US denies visa to 20 junior archers fearing 'no-return' published in the timesofindia.com Dated 06/06/2015 at 1 pm.


"Very sad to know this. But their concern is also reasonable. 

People go on some work and get settled there. This is one bad habit among most of them in India only. 

One should try to develop his own country by contributing with his talents. He may go for learning or for enjoyment purpose for a shorter period. But should return back and settle in his own country."

A Comment on cleaning up of Godavari river & about Godavari Pushkaralu

My Comment on an article "Officials, citizens, NGOs join hands to clean Godavari" published in timesofindia.com Dated 06/06/2015.  


"Good work taken up by the environmental activists along with the help of government officials and ordinary citizens to clean up River Godavari and its tributaries on the occasion of World Environment Day and ensuing Kumbh Mela. 

"Godavari Pushkaralu" is a grand event just like the Kumbh Mela at Allahabad and Varanasi organised yearly and on even more grand scale once in twelve years. The pushkaralu falls during July this year.

A Comment on FIR against Actors on Maggie row

My comment on an article titled "Maggie row: Court directs FIR against Amitabh Bachchan, Madhuri Dixit and Preity Zinta" published in ETRetail.com dated 03/06/2015.at 10:30 am. 


"Very sorry for the actors endorsing Maggie being targeted with FIR and arrests.

I wonder how can they be blamed? The actors normally should be considered as innocents as they can't be expected to have any knowledge about the composition of maggie product or their consequences on health of the consumers. All of us have consumed maggie in one way or other at any time and enjoyed its taste for many times. It is only when some revelations were made that we came to know of the bad effects of eating it. 

Even now, we consume it for emergency purposes as it is easy to prepare within minutes.

So, because of some rare happenings of illness, how can you sue on a lay man endorsing for the product as the cause of the bad effects on your health? 

You can sue only the producer of the product and his chemical designers/ engineers and nobody else should be held responsible for this."

A Comment on How to save for children if Parents are around 40 at time of marriage

My Comment on an article "Financial Dos and Don'ts for parents in their late 30s, early 40s" published in the economictimes.com Dated 02/06/2015 at 5:15 pm.

"Useful article with good tips for managing your funds if you reached near about 40 years age at your marriage time and so need to plan for your children who will be much younger at your retirement age. 

The options mentioned by author are insurance policies, mutual funds, sukanya samriddhi schemes for daughters under 10 years at present and switching over of jobs (to lower risk and higher income ones) and of course look for other part time jobs to enhance income."

A Comment on Conversion of Gold ETFs and MFs into Gold monetisation Schemes

My Comment on an article "Gold monetisation scheme: Is it time to swap Gold ETFs for Gold Deposits?" published in the economictimes.com Dated 02/06/2015 at 4:50 pm.


"This can be a good scheme for investors if only the banks can accept the ETFs as it is. 
If investor is required to first convert the ETF (Exchange Traded Fund) documents into physical gold and then only can invest into Gold Deposits scheme, where is the benefit? 

The conversion charges are about 2 to 3 per cent. So, extra interest earned through physical Gold Deposits is already spent on conversion charges and the person may even be a loser of some more money as interest earned can be lesser than already spent by him towards conversion charge."