Wednesday, 24 April 2013

Taxes, Taxes and Taxes but no provision for senior citizens and child labour

Hiya All,

One more national issue is drawing my attention these days..I am seeing so many old aged people working on streets in such a bad condition. It's even so difficult for them to handle their own self and still they are working just to earn bread and butter for their family..
Recently I read an article on FB about one respectable retired bank manager selling puppets to support his family. It's so heart breaking. Sometimes when I see such old people selling things on footpath, I think do they even earn 5 bucks a day by selling such things..But they are so helpless what they can do?
Our government collects tax from each n every nook and corners of our lives..I wonder we are not paying 30% of our salary but hardly using 30%of our salaries..
We pay profession tax, we pay income tax, we pay service tax. Again if we go to super market or mall and buy veggies we pay tax there. If we go to eat at restaurant again we are paying VAT, service tax, if we use mobile we pay we pay education cess, service tax and list is never ending so where are all these taxes going when we can't see aged people of our country who became badly old after paying all these taxes..
We are seeing so many ads to avoid child labor but there isn't any provision to old aged labor.
So many countries of world are taking complete care of their senior citizens. But our country is only interested in scams and issues.. No actions on issues..
Bechare Justice Verma bhi duniya chhod ke chale gaye par aaj tak ek bhi rapist ko faasi nahi hui..
At least ek ko to latkao taki dusre thoda to soche..but I think our politicians are enjoying such candle march and rallies.

Do you know poverty is so badly rampant in our country that if these children or senior citizens won't work who will support there family. Main earning member hardly 2.5k a month. Do you think these much amount can buy them even basic grocery ..NO.. All members of family have to get together to earn for sufficient food..
These thing is reminding me of one article I read years back in local news paper ( a blurred memory). An old aged home run by sister of Vikram Sarabhai and daughter of Mr. Ambalal Sarabhai, where 2 senior citizens are assigned one orphan kid. They have to give him all love and nurture them. It is very well accepted and announced fact of our country that grand parents can bring up a kid in fantastic manner.. Same formula is applied here.. Solving the problem of loneliness of senior citizen and imparting love and tender care for orphans.. Can't we expect these much from our government ?? Atleast in main cities of states so that we don't find our grand parents and lil kids and pity conditions..


Friday, 12 April 2013

why husband or father is always required when it comes to financial investments

Hiya All,
It's been a long I am writing a post.. For 2 days something at a back of my mind was continuously running..
why husband or father is always required when it comes to financial investments?????
When I started working with a corporate at young age, immediately after completing my college, my father
called a finance professional and told me to sit with him and discuss out my finances. At that time I was not
mature enough to understand importance of finance in life and happy life and my reply to my dad was "you do it na" and he showed me his big angry eyes. Silently I moved and sat beside him to listen what the expert was suggesting.. In my tenure of 9 yrs of job I can say became independent lady who can think on finances and invest my money my way and that too with profits.. This story is to make everyone aware that make your girls completely financially independent in real sense and girls are very very good at financial plannings.
But now the real villain is getting introduced.. As all of us have experienced hell lot of calls from finance companies, I too faced it. But to my surprise something came to me as bang on my face.. A harsh voiced gal was talking on the other end who shouted on me that "Is Mr. Kapadia there. I want to talk to him." I asked her you have called on my phone then why you are asking for Mr. Kapadia.. She replied that she wanted to talk about my finance investment. TADAAAA.. something struck my mind.. I said you can talk with me if you want to talk about investing my money then you should talk with me. In turn she replied that " No I will talk only with Mr. Kapadia" I was so annoyed with her way of talking that I disconnected the phone. But a question plunged my mind that does she even know is Mr. Kapadia my husband or father? what is role of Mr. Kapadia in my life? and am I only serving the purpose of earning money. Rest all work such as investments, plannings expenses should be done by father or husband?

I forgot this incident completely but again someone made me feel that how financial sector people feel that women are not decision makers in financial terms..
After leaving job I wanted to organize my investments so I called up my account manager at my place and after having a brief introduction and chat, he instantly asked me "Mam, are you separated?" I must say even today fumes are coming out of ears mouth and ...was that a sarcasm or fun or what? My hard earned love marriage. I felt someone hit me.. I asked him why you felt so? and the reply was Mam, you are planning your finances alone your husband is not present at this moment.. I felt so bad for this that now even when I go for submitting a simple cheque I force my hubby to be with me so that I don't have to face such questions from so called financial sector experts..

I must tell all that I got such father and hubby, both them who wants me to be independent not actually for earning but to decide on my earnings too.. Me and my hubby both discuss our plannings and take decision but being well educated and free at this moment, can't I take decisions or complete formalities alone and save time for both of us..

After facing such repeated questions I started observing around and I found that actually in outer world where women are so called managers or executives of big companies but their finances are completely managed by their husbands. they take all decisions themselves by not even consulting their wives.

This post in no way support separate investments of husband wives but the way finance companies are treating females is the question..
Please comment if someone has passed through such experiences..

After repeated bad experiences with ICICI bank I had to write about it events on my other blog. But it is not only ICICI bank beware but all the banking sectors in India are prejudiced. Now only government can look into this matter.

For every Indian to know, our government is actually taking steps against any kind of grievances. I have posted against the biased services ICICI bank is giving and immediate inquiry was set on them.