Warrier's COLLAGE September 20, 2021

Welcome to Warrier's COLLAGE On Monday September 20, 2021 Practice 4 Langhanams https://youtu.be/2z5qxSr4EaI (Link Courtesy : Dr Chitra Nashik) Good Morning Everyday, I get the theme for next day's Collage from a reader. For September 20, 2021 it was Dr Chitra's turn! Nice Day M G Warrier A Messages 1) Vathsala Jayaraman Cheñnai The sheer doubt whether a cow can inhale and exhale oxygen has been persisting in the minds of many intellectuals too. Conversation from Chicago has brought out a beautiful chemical analysis of the inhalation and exhalation processes that are gifted to us by nature. What a crystal clear narration! Thank you very much Babusenan Sir 2) Sharat Nashik, Kochi About Collage on Sunday "Very informative" 3) R Jayakumar Mumbai Happy that today Collage became truly a College (School). It made me more attentive and to spend more time to go through the contents. Understanding Rig Veda, Bad Banks, Taking Attendance (in an Emotional School), What Happens when Living things Breathe -, all of them lengthened the time between my taking the breakfast and the morning dose of medicines. When food for thought appear being imposed it makes one less attentive and when it is being provided mind absorbs. Thanks for your great efforts in running the Daily Warrier's COLLAGE. R Jayakumar (Encouraging words keep Collage going. Thanks 🙏-Warrier) 4) Jayaram Krishnaswami Kochi Your letter to the editor in today's 'The Hindu prompted me to send this mail. I fished out your mail id from December 16, 2018 newspaper Open Page where your middle 'Can we run away from social media' appeared. This is just to request you for some more middles. I vaguely remember that you are a central banker and in the Good old days I must have seen your middles in Indian Express and TOI Please let me know if you have published any collection of middles. I retired from SBI in March 2020 and live in Ernakulam. (My response : Thanks for your mail. Writing is more a pastime for me since retirement from RBI (2003) Last few months I have been posting short notes at Times of India Reader's Blog. Like : https://timesofindia.indiatimes.com/readersblog/warriersviews/time-management-in-uncertain-times-37344/ I'm sending a daily message to my contacts (Today's message copied below). If you are interested I can mail/WhatsApp my daily message to you daily 🙏-Warrier) 5) V Babusenan Thiruvananthapuram When I first heard about the concept of a set-up to take over the bad debts of the public sector banks, I thought it was going to be something like a sewage treatment plant. But why it should be named a bad bank? In this matter, I am with my Nagpur friend. Our esteemed editor says that it is a media mischief. Our media have many ugly feathers in their caps too like good ones. But that shouldn't be a reason for the financial pundits to accept something which turns our dharma concept upside down. According to this perverted dharma, a father who takes over the heavy debt of his prodigal son for clearance, is a 'bad' father. Fie upon this name! Here is a possible dialogue between a daughter and her doting father : Daughter : "Papa, I wish to marry Sudhish. You know him." Father : "Yes, I think I know him. That tall footballer who was senior to you in college?A well-behaved boy. Where is he working?" Daughter : "In the Bad Bank. He is a probationary officer on the verge of confirmation." Father : "Forget him then. He is in bad company and I won't permit you to marry him. You are my only daughter." (From yesterday's Collage : "Bad is added by Media... The institution's name will be NARCL. Excerpts from a report : "The Reserve Bank of India is in the process of granting a licence for the National Asset Reconstruction Company Limited (NARCL), following which toxic assets worth ₹90,000 crore that banks have already fully provided for, will move to the NARCL, Financial Services Secretary Debashish Panda said.") B NewGen Books : New Release Leveling Up : Aditya Anandan* Leveling Up: An Interactive Guide to Programming and Game Design by [Aditya Anandan] Leveling Up: An Interactive Guide to Programming and Game Design https://www.amazon.in/dp/B09GN9W48X/ref=cm_sw_r_apan_glt_6F03RK4TJMTJNXXSW765 "Leveling Up" offers an engaging way to learn programming and game design through 15 hands-on projects. Whether you are a novice programmer, aspiring game developer, or an expert, this book offers insights and learnings for every segment. The book tackles a wide range of projects of increasing complexity from Hangman, Flappy Bird and Space Invaders to Pong, 3D Gaming on Unreal Engine, and analyzing NBA data. Each project will describe a problem, how to approach the solution design, and also offer detailed explanations on the key concepts in programming used to solve the problem. This book will also help the reader understand applications of programming in multiple domains including 2D and 3D Game Development, Analytics, Artificial Intelligence, and Blockchain. This guide will be split into three Units, or Levels. Level 1 will introduce primary programming concepts and simple projects. Level 2 will detail game design through pygame and building 2D games. Level 3 will involve complex projects involving NBA Analytics, Unreal Engine, Artificial Intelligence, and the Blockchain! As a subject, CS can seem complicated and frustrating. "Leveling Up" is your gateway for learning more about CS, while also having fun. You can learn to build cool games and apps that you can play with friends and family, while also gaining a deeper appreciation of advanced programming concepts. So if you're ready to have a bunch of fun together, let's get to coding together! - Aditya *Aditya Anandan, now in US, is Vathsala Jayaraman's grandson. He is in 12th standard. He is very much interested in writing. This is his first trial of publishing his ideas in Computer Programming, especially in computer games to attract children and youngsters. Blessings and Best Wishes from Collage Patron : "Greetings and Very best wishes to Aditya. Encouragement in all possible ways is a motivating factor for our younger generation. It has a way of coming back in double measure. Hope and pray Aditya brings his grandmother true happiness and fulfillment in life." V T Panchapagesan S R Badrinarayanan, Surendra Pareek, PP Ramachandran, R Jayakumar, V S Rangasayee & many others sent Best Wishes to Aditya. 🙏 C Collage in Classroom Thirukkural https://www.britannica.com/topic/Tirukkural "Tirukkural, (Tamil: “Sacred Couplets”) also spelled Tirukural or Thirukkural, also called Kural, the most celebrated of the Patiren-kirkkanakku (“Eighteen Ethical Works”) in Tamil and a work that has had an immense influence on Tamil culture and life. It is usually attributed to the poet Thiruvalluvar, who is thought to have lived in India in the 6th century, though some scholars assign an earlier date (1st century BC). In its practical concerns, aphoristic insights into daily life, and universal and timeless approach, the Tirukkural has been compared to the great books of the world’s major religions." D Blogs & Links 1) Life flies peaceful with... https://timesofindia.indiatimes.com/readersblog/shivtherajvanshi/life-flies-peaceful-with-spiritual-wings-37389/ Posted online comments : "by meditation, we draw closer and closer to that universal center, which is at the heart of each other, and common among all of us. after that, balance begins to emerge in our lives.\" the journey of life is not without bumps and hurdles. all of us need some support to understand the purpose of life and correct our perceptions. once we understand the principle contained in \"tathwamasi\" or the universal soul principle, the path can be called by any name. of course meditation is very relevant.' 2) Books by M G Warrier India's Decade of Reforms (Notion Press 2018) India's Decade of Reforms : Reserve Bank of India at Central Stage https://www.amazon.in/dp/B079P56273/ref=cm_sw_r_apan_glt_PJNDXB4RMT0C4HQ1SZ9R Reviewed @Amazon by Sameer Biswas India's Financial Sector Reforms: A position Paper Reviewed in India on 26 March 2018 It is my immense pleasure in writing a review of the book, India's Decade of Reforms: Reserve Bank of India at Central Stage authored by Shri M G Warrier. Before writing the review I would like to inform the readers that a lady of 74 years from Chennai completed the reading at one go as she found the book very interesting and worth reading. I fully endorse her views.Shri Warrier during the tenure of service for a period of more than three and a half decades in the Reserve Bank of India (Bank), travelled in most important areas of monetary and banking policies for which the Bank is responsible. His quest to learn to love and go into the depth of the functioning of the Bank saw him retire as a General Manager. Post-retirement, he started writing in various economic journals and magazines. His first book 'Banking Reforms & Corruption: Development Issues in 21st Century India' was published in 2014.The eminent economist, S S Tarapore and Ms. Usha Thorat former Dy. Governor of the Bank highly appreciated Warrier's work. (Continued at H) E Penances & Langhanams 1) Penances https://www.speakingtree.in/blog/what-is-the-meaning-of-penance-783822 2) Langhanams : a) 4 Langhanams https://www.onlymyhealth.com/evolution-during-crisis-four-langhanams-for-spiritual-power-preethaji-krishnaji-1588593127 b) Food : Eat right for Survival https://www.speakingtree.in/article/fasting-not-me Also, we no longer stop and think if we are eating right. Without connecting deeply with food, we have lost the intuitive art of recognising what nourishes us. Notice any animal. It knows what is good to sustain its existence. For instance, a pigeon will never eat cooked food. It will search far and wide for grains. How is it that we, supposedly the most evolved of all species, have become so ignorant about food? We have let our tongues rule without discrimination. I'm yet to find a biological entity other than us, that eats ‘stale’, packaged food. F Leisure : 1) Perfect Job* A fascinating play of words - for the linguist in you... 1. My first job was working in an Orange Juice factory, but I got canned. Couldn't concentrate. 2. Then I worked in the woods as a Lumberjack, but just couldn't hack it, so they gave me the axe. 3. After that, I tried being a Tailor, but wasn't suited for it -- mainly because it was a sew-sew job, and people liked to hem and haw about the price. 4. Next, I tried working in a Muffler Factory, but that was too exhausting. 5. Then, tried being a Chef - figured it would add a little spice to my life, but just didn't have the thyme.. 6. Next, I attempted being a Deli Worker, But any way I sliced it.... couldn't cut the mustard. 7. My best job was a Musician, but eventually found I wasn't noteworthy. 8. I studied a long time to become a Doctor, but didn't have any patience. 9. Next, was a job in a Shoe Factory. Tried hard but just didn't fit in. 10. I became a Professional Fisherman, but discovered I couldn't live on my net income. 11. Managed to get a good job working for a Pool Maintenance Company, but the work was just too draining. 12. So then I got a job in a Workout Center, but they said I wasn't fit for the job.. 13. After many years of trying to find steady work, I finally got a job as a Historian - until I realized there was no future in it. 14. My last job was working in Starbucks, But had to quit because it was the same old grind. 15. SO, I TRIED RETIREMENT AND I FOUND I'M PERFECT FOR THE JOB - LOVE IT *Contributed by A P Ramadurai Cheñnai 2) Laugh with kids* In a Nursery School Canteen... There's a basket of apples with a notice written over it : "Do not take more than one, God is watching" On the other counter there's a box of chocolates, A small child went & wrote on it. "Take as many as you want, God is busy watching the apples"... NEVER ACT SMART WITH Today's Generation..!.! KID :- Why some of your hair are white dad...? DAD : – Every time you make me unhappy , one of my hair turns white… KID :- Now understand why grandpa’s hairs are all white… Moral :- Don’t be over smart... Child : Mummy why Gandhi has no hair on his head...? Mummy : Because he speak only truth... Child : Now I understood why ladies have long hair... Now Ultimate Teacher: How old is your father? Kid: He is 6 years. Teacher: What? How is this possible? Kid: He became father only when I was born. Logic!! *Received from V S Rangasayee Navi Mumbai via Group mail G Quotes about Penances https://www.brainyquote.com/topics/penance-quotes Like : "A man who always speaks the truth wholeheartedly is greater than those who do penance and deeds of charity." Thiruvalluvar (Thiruvalluvar, commonly known as Valluvar, was a celebrated Tamil poet and philosopher. He is best known as the author of the Tirukkuṟaḷ, a collection of couplets on ethics, political and economical matters, and love. The text is considered an exceptional and widely cherished work of the Tamil literature.) H Continued from D2 The present book authored by him and published by Notion Press, Chennai in 2018, I do believe, will be highly appreciated by all who are really interested in knowing more about the present status of monetary policy implementation, developments in the financial sector and frequently debated relationship issues between the Bank and GOI. The book contains six sections and covers developments from Hilton Young Commission appointed in 1925, Formative Years- The Gold Standard and RBI Bill 1927and slowly but effectively gave birth the Reserve Bank of India Act 1934. And finally, the Reserve Bank of India came into existence on 1st April 1935. The author takes us through the role played by the Bank in developing monetary policy and evolving a strong and secure banking system in India from 1935 to date. Shri Warrier appreciates the contribution of Dr. Raghuram Rajan during the crucial period in the history of the Bank. The author gives a balanced view on Demonetisation and its aftermath. He appreciated the hardship of common people but avers that Indian Banking System is Safe, Secure and Trustworthy. Shri Warrier supports the merger of financially weak banks with the financially strong banks, both in public and private sectors to protect the interest of depositors and more importantly to sustain economic growth and stability of the nation. The readers may get an insight into the stressed assets of banks and how to address these problems. The author has welcomed the GOI support through legislation to impart more power to the Bank to address the stressed Assets issue to restore the health of the financial system. If the banking system has stressed assets crossing tolerance levels, mismanagement of corporate sector and other entities who are trying to get away with the money and maligning the Bank, regulator, supervisor of banks also need to be disciplined. The author has thrown light on gold management by public sector banks and need to map domestic gold stock. He has suggested that the Bank should take up this issue with the Government and make them understand the importance of yellow treasures those are lying idle in the country.And there is a need to establish a Gold Bank. The proposal to accept the Universal Basic Minimum Income should be considered by the Government. The author has spoken against waiver of the agricultural loan and suggested that the Government should think of joint farming to reduce the cost of production. Imposing of tax on affluent farmers may also be considered by the Government. To move forward in the field of agriculture, the author has suggested comprehensive farming plan linking electricity, water, transport and ensuring pricing and crop insurance. The lending banks also watch on the disbursement and recovery of loans and if necessary subsidy should be introduced when really needed. I fully endorse the views expressed by the author. National Pension System (NPS) was introduced by a simple notification by the Government in December 2003 and that was not backed by any legislation. In fact, it was borne with a congenital deformity. And even after 15 years, the problem could not be sorted out and the NPS is still in a volatile stage. The role of auditors in the Indian context has been highly appreciated by the author. It is worth mentioning that almost all financial transactions including Govt, banks and all registered institutions are covered under the audit. He has rightly suggested that the Central and State Governments should join hands with CAG and take necessary action to rectify and also take action against those who are following corrupt practices. I appreciate the author for writing a chapter on Tourism. Someone might think in a different way. I may be permitted to tell them that the book, India's Decade of Reforms..... mostly related to banking and monetary aspects and role of the Bank and Govt to strengthen the system to financially to improve the quality of life of each and every citizen of the nation. If that is so, tourism is one of the main branches from where the States of India have enough opportunity to earn money. In India, we have beautiful places in high altitude and plain land and those can be compared with the tourist spots of any developed countries. We only need to develop infrastructures to attract tourists not only from other States but from foreign countries. If it is developed, the local economy is sure to improve. In conclusion, the author has hoped that the fourth pillar of democracy, the people, should play a vital role to fight corruption. He has pointed out some measures how to get the country free from corruption. In the present scenario, the corrupt politicians are making the fourth pillar of democracy, the people, corrupt. There is no job for the commoners, how they will lead a life? The nexus between the corrupt politicians and dishonest rich men is substantially growing. They are utilising money and power to attract the youths and selecting the candidate for Assembly and or Parliament to get benefit in future. They are buying votes by money and power. And in the process, they are making the fourth pillar of democracy corrupt and weak. We can only hope and pray to the Almighty God that good sense should prevail on the people to fight corruption.

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