Ramanuj Asawa 

Company Secretary

Himalaya Enclave

Nagpur 440010

मेरी लिखी जा रही पुस्तक "नए व्यापार के लिए मार्गदर्शिका/ पथप्रदर्शिका - बातें जिन्हें जानकर एक नया व्यवसाई भविष्य में आने वाले खतरों से बच सके" (“A guide to business start-up” – Things a new bu

मेरी लिखी जा रही पुस्तक
"नए व्यापार के लिए मार्गदर्शिका/ पथप्रदर्शिका - बातें जिन्हें जानकर एक नया व्यवसाई भविष्य में आने वाले खतरों से बच सके" (“A guide to business start-up” – Things a new businessperson should know to avoid costly consequences ")
की एक झलक

किसी ने सच ही कहा है की "नौकरी आठ घंटे का व्यापार है और व्यापार चौबीस घंटे की नौकरी". अगर आप इस बात पर गौर करेंगे तो पाएंगे की यह बात कमोबेश सच ही है. नौकरी करने वाले को इस बात का ध्यान रखना होता है की वह अपने काम पर समय पर पहुँच जाय और सौंपा गया काम मेहनत और ईमानदारी से करे. यह निश्चित होता है की समय पर उसे वेतन मिल जायेगा.

वहीं दूसरी तरफ एक व्यापारी को न सिर्फ अपने कर्मचारियों के वेतन के भुगतान का ध्यान रखना पड़ता है बल्कि और भी अनगिनत बातों का ध्यान रखना पड़ता है, माल खरीदने से बेचने तक, बेचे हुए माल की वसूली का, निर्धारित समय पर राजस्व या कर के भुगतान का इत्यादि. आइये हम इन बातों को मूल रूप से देखने की कोशिश करते हैं. मैंने खुद ने व्यापार तो नहीं किया है लेकिन मैं स्वरोजगार में हूँ और व्यापारियों के संपर्क में शुरू से ही रहा हूँ और अब तो व्यापारियों का सलाहकार हूँ. सो व्यापार और व्यापारियों के बारे में लिखने की कोशिश कर रहा हूँ. कहते हैं की 'हिम्मते मर्दां, मददे खुदा'.

क्या व्यापार सीखा जा सकता है? क्या हर व्यक्ति में वह गुण मौजूद है जो की एक सफल व्यापारी में होने चाहिए? क्या कारण है की प्रायः कम पढ़े लिखे लोग ही सफल व्यवसायी / व्यापारी बनते हैं? क्या कारण है की अधिकतर उच्च शिक्षा प्राप्त लोग यहाँ तक की MBA भी नौकरी करना ही पसंद करते हैं? क्योंकर पढ़े लिखे लोग अधिकतर नौकरी करते हैं?
"पोथी पढ़ी पढ़ी जग मुवा पंडित भया न कोय, ढाई आखर प्रेम का पढ़े सो पंडित होय" यह एक शास्वत सत्य है. जानकारी होने से कोई महान नहीं बन सकता है. जानकारी का उपयोग करना आना ही सबसे कठिन काम है और एक सफल व्यापारी बनने के लिए यह अति आवश्यक होता है. पुस्तकालय में ढेरों किताबें होती है लेकिन देखा जाय तो librarian या पुस्तक विक्रेता इसका लाभ नहीं उठा पाते है जबकि किताब लेकर जाने वाले किताब के ज्ञान का फायदा उठा लेते हैं. ज्यादा पढ़े लिखे लोग या तो पूर्वाग्रह से ग्रस्त हो जाते हैं और ज़रुरत से ज्यादा सोचने में लग जाते हैं या फिर जोखिम उठाने की उनकी क्षमता ही नहीं होती है. व्यापार में ऐसा भी होता है की "कभी घी घना, कभी मुट्ठी चना". एक मर्यादा तक सोचना जरूरी है लेकिन सही समय पर निर्णय लेकर अमल में लाना उससे भी ज्यादा जरूरी है. इसी कारण "ले जायंगे ले जायेंगे दिलवाले दुल्हनियां ले जायेंगे, रह जायेंगे रह जायेंगे पैसे वाले देखते रह जायेंगे". ऐसा अक्सर होता है की पास में धन रहकर भी लोग सुअवसर मिलने पर भी उसका उपयोग नहीं कर पाते हैं और जो समझदार हैं वह सही स्थिति भांपकर धन न रहने पर धन का जुगाड़ भी कर लेते हैं.

किस प्रकार का व्यापार अधिक समय तक चल सकता है और मुनाफा दे सकता है? सही समय का व्यापार में क्या महत्व है? दूरदृष्टि का व्यापार में क्या महत्व है? क्या एक व्यापारी को सफलता प्राप्त करने के लिए दूरदृष्टा होना आवश्यक है?
आप जो सेवा देने वाले हैं या जो पदार्थ उत्पन करने वाले हैं उसकी उपयोगिता और मांग यदि कम है तो वह व्यापार आपको ज्यादा लाभ नहीं देगा. तो आपको ऐसे व्यापार का चुनाव करना चाहिए जिस वस्तु की मांग बढती रहे और उसके उपयोग भी भिन्न भिन्न प्रकार के हों. यदि आपके उत्पाद की देश विदेश सब जगह माँग हो तो फिर कहना ही क्या? कई बार ऐसा होता है की कोई नई चीज बाज़ार में आती है और कई लोग उसको बनाने में लग जाते हैं. इस चक्कर में उस वस्तु की बिक्री से मुनाफे की गुंजाईश कम हो जाती है. आपको यह निश्चित करना चाहिए की आपका उत्पाद आपके प्रतियोगियों के उत्पाद के मुकाबले में ना सिर्फ अच्छा होना चाहिए बल्कि ज्यादा महँगा भी नहीं. perrfection की कोशिश करना अच्छी बात है लेकिन कहीं ना कहीं से शुरुवात भी करना जरूरी है. कहीं ऐसा ना हो की परफेक्ट टाइम और परफेक्ट चीज के चक्कर में सब कुछ हाथ से निकाल जाय जैसे इनके साथ हुवा. एक सज्जन मिले. बड़े मिलनसार थे. परिवार के बारे में पूछने पर पता चला की अबतक अकेले हैं. आगे बातचीत होने पर मालूम पड़ा की वह विवाह के लिए परफेक्ट स्त्री को तलाश रहे थे. हमने पूछा तो फिर क्या कोई परफेक्ट स्त्री मिली क्या. तो उन्होंने कहा हाँ मिली थी. तो हमने पूछा फिर आपकी शादी क्यों नहीं हुई. वह कहने लगे की वह भी एक परफेक्ट पुरुष की तलाश में थी.

क्या एक व्यापारी को धन प्रबंधन की जानकारी होनी चाहिए? कितना धन व्यापार के लिए आवश्यक होता है? आवश्यकता से कम या अधिक होने के क्या परिणाम या दुष्परिणाम हो सकते हैं?
व्यापार शुरू करने के पहले यह देख लेना चाहिए की व्यापार करने के लिए पर्याप्त धन आपके पास हैं या नहीं वरना 'जल संकोच विकल भाई मीना अबुध कुटुम्बी जिमी धन हीना' वाला हाल हो सकता है और आप अपनी जमा पूंजी भी खो बैठेंगे.
कितना धन चाहिए इसके बारे में कोई परफेक्ट फ़ॉर्मूला नहीं होता है. आपको अपने व्यापार की धन की आवश्यकता को जानने के लिए प्रोजेक्ट रिपोर्ट बना लेनी चाहिए और कितना धन किस किस चीज के लिए लगने वाला है और कहाँ कहाँ से आने वाला है यह निश्चित कर लेना चाहिए. इसमें थोडा cushioning और alternate का प्रावधान भी होना चाहिए ताकि किसी एक स्रोत से पैसा ना मिलने पर दुसरे स्रोत से ले सकें. कुल मिलाकर इतना प्रबंध हो जाना चाहिए की "साईं इतना दीजिये जमे कुटुंब समाय मैं भी भूखा ना रहूँ साधु न भूखा जाय." जरूरत से ज्यादा धन का व्यापार में होना भी नुकसान दायक होता है; इससे धन प्रबंधन में चुस्ती के बजाय शिथिलता आ जाती है जो की दीर्घकाल में हानिकारक होती है.

साख क्या है और कैसे बनाई जाती है? साख के न होने या साख के खोने के क्या परिणाम हो सकते हैं?
बुजुर्गों ने कहा है की "नामी चोर मर खाए और नामी साहूकार कमा के खाए". जब भी कहीं चोरी होती है तो पुलिस usual suspects को पकड़ कर मारपीट करती है और पूछताछ करती है. इसी तरह जिस व्यापारी की साख होती है उसे माल भी उधार में मिल जाता है और लोग नकद पैसा देकर या अग्रिम पैसा देकर माल खरीदते हैं. और यदि साख ना हो तो हमेशा पैसा पहले देना पड़ता है. साख के अनगिनत लाभ हैं और ना होने के नुकसान ही नुकसान हैं. तो यह साख मिलती कहाँ है? साख कहीं मिलती नहीं है बल्कि आपको अपने साफ सुथरे व्यवहार और लेन देन से और अपने माल की उच्च गुणवत्ता से बनानी पड़ती है. आपने अगर सौदा कर लिया तो चाहे लाभ हो या हानि आप उसे तोड़ेंगे नहीं, यह विश्वास अगर आपसे व्यव्हार करने वालों को है तो इसका मतलब है की आपकी बाज़ार में साख है. जहाँ साख की बात आती है वहां " चन्द्र टरै, सूरज टरै, टरै जगत व्यवहार । पै दृढ़ श्री हरिचन्द्र कौ, टरै न सत्य विचार ।। " को जरूर याद किया जाता है.

क्या व्यापार बिना सरदर्द के किया जा सकता है?
यदि आप अपना व्यापार प्लानिंग से करते हैं और अल्प लाभ के लिए दीर्घकालिक लाभ कुर्बान नहीं करते हैं. समय पर काम को निपटाते हैं. कानूनों का पालन करते हैं और समय पर कर भरते हैं. लालच में पड़ कर गलत काम नहीं करते हैं तो आप को व्यापार कतई सर दर्द नहीं देगा. यदि आप अपने व्यापार मे खुश नहीं है तो फिर आपको ख़ुशी अन्यत्र ढूंढनी पड़ेगी और इस चक्कर में आप बुरी लतों में भी फँस सकते हैं. यदि आप समय पर भोजन नहीं कर रहे हैं, दिन भर चाय काफी पीते रहते हैं, रात को देर से घर लौटते हैं और खाना खा कर पसर जाते हैं और दुसरे दिन देर से उठ कर भाग दौड़कर दफ्तर पहुंचते हैं; अपने परिवार के लिए यदि आप समय नहीं निकाल सकते हैं और साल में एक बार उनके साथ विदेश यात्रा करके अपने जिम्मेदारी की इतिश्री करते हैं; तो समझिये व्यापार आपको रास नहीं आ रहा है. उपाध्याय जी कहते हैं की दुनियाँ में ढाई सुख हैं. पहला सुख रात को नींद ठीक से आना, दूसरा सुख सुबह पेट साफ होना. बाकी आधे सुख में सारी दुनियाँ के सुख हैं. यदि आप ठीक समय पर खायेंगे नहीं और सोयेंगे नहीं तो फिर पेट भी साफ नहीं होगा और इस प्रकार आप जीवन के संसार के सुखों से वंचित रह जाओंगे. दुनियां देखती रहेंगी की आप कितने बड़े बंगले में रहते हैं, कितनी बड़ी गाड़ी में घूमते हैं, लेकिन उन्हें क्या पता की आप कितने दुखी हैं. "आये हैं सो जायेंगे राजा रंक फकीर, कोई सिंघासन चढ़ी चले कोई बंधे जंजीर."

हर प्रकार के व्यापार पर कई प्रकार के कर लगते हैं? एक व्यापारी को आयकर, विक्री कर, उत्पाद शुल्क, सेवा शुल्क की क्या जानकारी होनी चाहिए?
चाणक्य ने कहा था राजा ने कर ऐसे वसूलना चाहिए जैसे मधुमक्खी फूल से मधु लेती है. यह उक्ति अगर आज के परिवेश में सही ना भी बैठती हो तो भी हर नागरिक का कर्तव्य है की वह अपने देश के कानून का पालन करे. इस पालन में करों का भुगतान एक बड़ा विषय है. समय पर कर के भुगतान ना करने से ब्याज व दंड का भुगतान करना पड़ता है जो की व्यापार के लाभ में कमी लाता है. हर व्यापारी को यह जानकारी होना जरूरी है की उनको कौन कौन से करों के लिए किन किन विभागों में पंजीकरण करवाना है, वार्षिक कितनी बिक्री करमुक्त है, कर भरने की तारीख व विवरणी भरने की अंतिम तिथि, इन सब चीजों का ज्ञान अत्यावश्यक है.

हर छोटे बड़े व्यापार में कई लोगों का योगदान होता है और कर्मचारी इसमें प्रमुख हैं? कर्मचारी को नियुक्त करने से उसके सेवा निवृत्त होने तक किन किन कानूनों का पालन करना होता है? कर्मचारी कानून की कितनी जानकारी एक व्यापारी को होनी चाहिए?
अकेला चना भाड़ नहीं फोड़ सकता है. आप चाहे कितने भी बुद्धिमान या बलवान या प्रसिद्ध क्यों ना हो आपको अपने व्यापार के लिए कर्मचारियों की आवश्यकता होती है. प्रभु रामचंद्र को भी लंका विजय के लिए वानरों और रीछों की मदद लेनी पड़ी थी. यदि आप कुशल और इमानदार लोगों को अपने व्यापार में नियुक्त करते हैं और उनका योग्य प्रशिक्षण करते हैं, उनकी आवश्यकताओं का ध्यान रखते हैं तो आपको कभी निराश नहीं होना पड़ेगा. वहीं आपने यदि कर्मचारियों के नियुक्ति में सावधानी नहीं बरती तो आपका व्यापार चौपट होते देर नहीं लगेगी. उनकी सुख सुविधाओं का ध्यान रखते समय यह भी ध्यान रखा जाय की वह अपने कर्तव्यों/ जिम्मेदारी से विचलित ना हों. इसके लिए performance based incentives देना हितकर होता है. ऐसा ना हो की घोड़े की घास से दोस्ती हो जाय और दोस्ती निभाने के चक्कर में वह भूखा ही रह जाय. विभिन्न कानूनों के अंतर्गत कर्मचारियों के अधिकारों की जानकारी आपके कर्तव्यों की जानकारी होने से आप ऐसा कोई कदम नहीं उठाते हैं जिससे की आपको लेबर कोर्ट के चक्कर लगाने पड़े और बिना काम किये कर्मचारी को वेतन देना पड़े.

क्या एक व्यापारी को लागत या पड़ता निकालना आना आवश्यक है? सही प्रकार से पड़ता न निकालने के क्या परिणाम या दुष्परिणाम हो सकते हैं?
व्यापार का मुख्य उद्देश धन कमाना है. यदि आप सस्ते में खरीदकर महंगे में बेचते हैं तो आपको लाभ होता है और इसका उल्टा होने पर हानी होती है. जहाँ तक खरीदने बेचने का सवाल हैं लागत या पड़ता निकालना कठिन नहीं होता है. लेकिन जहाँ कई प्रकार के उत्पाद बनाने की बात आती है तो उसकी लागत और पड़ता निकालने में कई प्रकार के प्रत्यक्ष और अप्रत्यक्ष लागतों को ध्यान में रखना होता है. सही प्रकार से लागत मूल्य की जानकारी का ना होना हानी का कारण और व्यापार के बंद होने का कारण भी बन सकता है. ध्यान रहे की "आमदनी अठन्नी खर्चा रुपैया" नहीं होना चाहिए.

एक व्यापारी को वित्तीय लेखांकन की जानकारी क्यों और कितनी आवश्यक है?
वित्तीय लेखा व्यापार की वित्तीय स्थिति का दर्पण होता है. यदि आप वित्तीय लेखा में तज्ञ हैं तो आप अपने वित्तीय पत्रों से अपने व्यापार की वित्तीय स्थिति का जायजा ले सकते हैं और आपका व्यापार लाभ या हानी की और अग्रसर हो रहा है यह मालूम कर सकते हैं और आने वाली वित्तीय आपदा से बच सकते हैं. "तोरा मन दर्पण कहलाये, भले बुरे सारे कर्मों को देखे और दिखाए".

व्यापार के संगठन कौन कौन से हैं और उसका चुनाव करते समय किन बातों का ध्यान रखना आवश्यक है?
कोई भी व्यापार जब शुरू होता है तब छोटा ही होता है. इसीलिए शुरुवात में चाहे जो भी फॉर्म ऑफ़ organisation हो ज्यादा फर्क नहीं पड़ता है. यदि आप अकेले मालिक हैं तो आप proprietorship में काम शुरू कर सकते हैं. यदि आप और लोगों के साथ मिलकर व्यापार कर रहे हैं तो भगीदारी या कंपनी बना कर कार्य शुरू कर सकते हैं. सही चुनाव के लिए आपको प्रत्येक व्यापार संगठन के लाभ व मर्यादाओं की जानकारी होनी आवश्यक होती है. प्रायः देखने में आया है की "प्राइवेट लिमिटेड कंपनी" का चुनाव लम्बे समय तक चलने वाले व्यापार के लिए अधिक उपयुक्त पाया गया है.

व्यापार का बीमा करना क्यों आवश्यक है और सही बीमा न करने से क्या नुकसान हो सकता है?
दुनियां में कुछ भी निश्चित नहीं है सिवाय अनिश्चितता के. कभी भी कुछ भी हो सकता है. एक त्सुनामी आती है और शहर का शहर डूब सकता है. ऐसे में यदि आपने अपने व्यापार और उत्पादन इकाई व उसमें रखे सामान का बीमा नहीं कराया है तो आपका तो बंटाधार हो जायेगा. उसी प्रकार चोरी, आग और विभिन्न प्रकार के कारणों से होने वाले नुकसानों को उपयुक्त प्रकार के बीमे कर लेने से नुकसान होने पर मुआवजा प्राप्त किया जा सकता है. वरना यही गाते रह जायेंगे "ज़िन्दगी के सफ़र में गुजर जाते हैं जो मकाम वो फिर नहीं आते, वो फिर नहीं आते".

व्यापार चाहे जिस किसी चीज का हो जमीन और भवन की आवश्यकता पड़ती है. जमीन के चुनाव और खरीदने के समय किस प्रकार की सावधानी बरतनी चाहिए? भवन बनाते समय किन बातों का ध्यान रखना चाहिए?
जमीन खरीदते समय यह ध्यान रखना जरूरी है की वह उत्पादन इकाई के निर्माण के लिए पर्याप्त होगी व आगे आने वाले समय में विस्तार के लिए भी समुचित होगी. सरकार द्वारा Industrial Development के लिए हर जिले में जमीन उपलब्ध कराइ जाती है जो की किफ़ायत दर पर ९९ वर्षों के पट्टे (lease ) पर दी जाती है. यदि सरकारी जमीन उपलब्ध ना हो तो यह देख लेना जरुरी है की वहां तक पहुँचने के लिए रोड अच्छे हैं और वह या तो कच्चे माल के उपलब्ध होने की जगह के पास हो या फिर बने माल की खपत वाली जगह, या कोई बड़ा व्यापार केंद्र. जिससे समान लेन ले जाने के लिए ट्रांसपोर्ट की सुविधा होती है. ऐसे और भी कई मुद्दों पर ध्यान देना जरूरी होता है. जमीन ऐसी भी ना हो की वर्शारितु में बाढ़ का पानी ही भरा रहे. भवन बनाते समय यह सावधानी बरतनी चाहिए की भविष्य में यदि विस्तार करें तो तोड़ फोड़ की कम से कम आवश्यकता पड़े.

आज हम ज्ञान अर्थव्यवस्था के युग में जी रहे हैं. एक व्यापारी को यह जानना आवश्यक है की उनका बौद्धिक सम्पदा अधिकार क्या हैं और उनकी रक्षा के लिए उन्हें क्या करना चाहिए?
आप यदि अपने उत्पाद को किसी trade mark के अंतर्गत बेचते हैं तो आपको चाहिए की पंजीकरण कर लिया जाय. पंजीकरण करने से आप उस trade mark का उपयोग बिना किसी रोक टोक के अपने व्यापार के लिए कर सकेंगे और आपकी साख व ख्याति का फायदा आपके व्यापार को लम्बे समय तक मिलता रहेगा. उसी प्रकार कॉपी राईट व patent पंजीकरण आपके द्वारा सृजित बौद्धिक सम्पदा अधिकारों की रक्षा करता है.

आपके कॉरपोरेट कस्टमर्स एंड सप्लायर्स के बारे में आपको क्या जानकारी रखनी चाहिए?
जब भी आप किसी कंपनी के साथ लेन देन करते हैं तो यह निश्चित कर लें की वह कंपनी वाकई में पंजीकृत है या नहीं. उस कंपनी का पंजीकृत कार्यालय कहाँ है और उस कंपनी के निदेशक कौन हैं? इन चीजों की जानकारी आने वाले समय में आपके लिए लाभदायक सिद्ध होगी.

क्या एक व्यापारी को पर्यावरण कानून की जानकारी होनी चाहिए या पर्यावरण के प्रति उसकी जिम्मेदारी क्या है?
”रहिमन पानी रखिये, बिन पानी सब सून ! पानी गए न उबरे, मोती मानुस चून !” औद्योगिक इकाइयों द्वारा उत्पादन में पानी का भरपूर उपयोग होता है लेकिन कईयों द्वारा की गई जिम्मेदाराना हरकतों के कारण पानी के श्रोत जहरीले होते जा रहे हैं और मानव जाति के विनाश का खतरा पर्यावरण के विनाश के साथ दिन प्रति दिन बढ़ता जा रहा है. पर्यावरण कानून, उनकी जानकारी और ईमानदारी से पालन करना हर व्यक्ति और हर व्यापारी का कर्तव्य है और इसे पालन कर के कानून द्वारा दण्डित होने से बचा जा सकेगा.

इसके अलावा भी कई प्रकार की जानकारियां व्यापार विशेष को लेकर होती है जिसकी जानकारी का होना एक व्यापारी को अपनी कानूनी जिम्मेदारी निभाने और हानि से बचने और लाभ के बढ़ाने में सहयोगी होती है जैसे:
कुछ विशेष प्रकार की वस्तुओं के उत्पादन को बढ़ावा देने के लिए और पिछड़े इलाकों में रोजगार मुहैया करवाने के हिसाब से लगाने वाली इकाइयों को सरकार द्वारा सब्सिडी और कर रियायतें दी जाती है. किन उत्पादों के उत्पादन से व किन स्थानों पर उत्पादन इकाई लगाने से रियायतें मिलती है, शुरुवात से इन बातों की जानकारी होने से इकाई के लगाने के स्थान के चुनाव में, पूंजी की जरूरत के बारे में निर्णय लेने में और लागत मूल्य के आकलन करने में सुविधा होती है. उसी प्रकार विदेश से माल आयत करना हो या उत्पादित माल निर्यात करना हो तो फेमा व इम्पोर्ट एक्सपोर्ट से सम्बंधित कानून व माल भेजने व मंगवाने की प्रक्रियाओं व उसमे लगने वाले समय की मुलभुत जानकारी आवश्यक है.
जो व्यापारी उत्पादित वस्तुओं को पैक करके रिटेल में बेचते हैं उन्हें पेकेट में कितनी सामग्री भरी जाय, किस प्रकार के पेकेट इस्तेमाल किया जाएँ, पेकेट पर क्या जानकारी देनी चाहिए इन सब बातों के जानकारी होनी आवश्यक है.
एक व्यापारी जब दुसरे व्यापारी के साथ जो भी लेन देन का व्यवहार करता हैं वह अनुबंध कानून के अंतर्गत आता है. अनुबंध कानून की मुलभुत जानकारी हर व्यापारी को होनी ही चाहिए.
यदि आपका बेचा हुवा माल दर्शित गुणवत्ता का नहीं है और उसके कारण यदि आपके उपभोक्ता का नुकसान होता है तो वह आपके ऊपर नुकसान की भरपाई के लिए मुक़दमा दायर कर सकता है. इससे निपटने के लिए आपको उपभोक्ता संरक्षण कानून के विभिन्न पहलुओं का मुलभुत ज्ञान आवश्यक है.

अपने सलाहकार कैसे चुनें और उनके साथ कैसा व्यव्हार करें?
गोस्वामी तुलसीदास जी ने सुन्दरकाण्ड में कहा है की "सचिव बैद गुरु तीन जौं प्रिय बोलहि भय आस, राज धर्म तन तीन कर होहि बेगहि नास." यह उक्ति सिर्फ रावण के लिए ही नहीं बल्कि हर काल के हर राजा और हर व्यक्ति के लिए समान रूप से लागू है. आप अपने सलाहकार का चयन करते समय यह देख लें की उनकी निपुणता और साख कैसी है. इसके बाद अप उनकी सलाह को सुनें और जहाँ तक हो सके अमल में लायें. ऐसा जरूरी नहीं की उनकी हर सलाह का अक्षरशः पालन कर सकते हैं. लेकिन कभी उनका मान भंग ना हो इसकी भी सावधानी बरतें. चाकू चाहे फल पर गिरे या फल चाकू पर, कटना तो फल को ही है.

आखिर धन का सही उपयोग क्या है?
जीवन के तीन मुख्य अवस्थाएं हैं, बचपन, जवानी और बुढ़ापा. बचपन में समय और उर्जा बहुत होती है लेकिन पैसा नहीं रहता है. जवानी में उर्जा और पैसा दोनों रहते हैं पर समय नहीं होता है. बुढ़ापे में पैसा और समय तो बहुत होता है पर उर्जा में कमी आ जाती है. यानि की दाँत है तो चने नहीं है और चने है तो दाँत नहीं है. प्रायः यह देखा गया है की मनुष्य जीवन भर धन कमाने में लगा रहता है लेकिन जब बुढ़ापा पास आता है तो कमाए धन को परोपकार में लगाने की कोशिश करता है. क्योंकि "पूत कपूत तो क्यों धन संचय; पूत सपूत तो क्यों धन संचय." में सभी विश्वास करते हैं और जहाँ तक बन सके अपने बच्चों को धन से ज्यादा सद्गुण व अच्छी परवरिश देने की कोशिश करते हैं. Warren Buffet और Bill Gates जैसे विश्वप्रसिद्ध और अति धनवानों ने अपने जीवन में बहुत धन कमा लिया. अब वह कमाए धन को परमार्थ में लगाने की चेष्टा कर रहे हैं. इससे यह सिद्ध होता है की सिर्फ धन कमाना ही जरूरी नहीं है बल्कि उसका सदुपयोग उससे भी महत्वपूर्ण है. "एक दिन बिक जायेगा माटी के मोल जग में रह जायेंगे प्यारे तेरे बोल".

व्यापार और उसकी सामाजिक जिम्मेदारी: व्यापार के लिए लगने वाली जमीन, भवन, वस्तुएं और अन्य सामग्री और लोग समाज और पर्यावरण से आते हैं इसीलिए व्यापार की सामाजिक जिम्मेदारी एक साधारण व्यक्ति से ज्यादा होती है. आजकल CSR (Corporate Social Responsibility ) की बात तो बहुत होती है लेकिन हमारे देखते देखते शिक्षा और स्वस्थ्य जैसे जीवन की मुलभुत आवश्यकताओं को लाभ की बलि चढ़ा दिया गया. पहले CSR शब्द तो प्रचलित नहीं था लेकिन व्यापारी लोग अपनी जिम्मेदारी समझकर जगह जगह स्कूल, कॉलेज, अस्पताल, प्याऊ, धर्मशाला इत्यादि बनाते और धर्मार्थ चलते थे जिससे समाज के सारे लोगों को लाभ मिलता था. सिर्फ धन कमाने और संचय करने तक ही वे लोग सीमित नहीं रहते थे. ऐसा नहीं है की आजकल अच्छे काम नहीं हो रहे हैं. फर्क सिर्फ इतना है की आजकल "खाते चने हैं बताते बादाम है" यानि दिखावे की प्रवृत्ति अधिक हो गई है.

मैं एक पुस्तक लिख रहा हूँ जिसका शीर्षक "नए व्यापार के लिए मार्गदर्शिका/ पथप्रदर्शिका - बातें जिन्हें जानकर एक नया व्यवसाई भविष्य में आने वाले खतरों से बच सके". जिन मुद्दों और विषयों का इस पुस्तक में समावेश होगा उनकी एक झलक मैंने इस लेख के द्वारा देने की चेष्टा की है. आगे आने वाले अंकों में मैं एक एक कर सारे विषयों पर चर्चा करूँगा. मैं चाहता हूँ की मैंने जो ज्ञान अपने जीवन में पाया है और अनुभव प्राप्त किये हैं उन्हें आप लोगों से बांटूं और इसके द्वारा किसी को लाभ हो तो इसके मुझे बेहद ख़ुशी होगी. आगे आने वाले जीवन में मैं मार्गदर्शक का किरदार अदा करना चाहता हूँ और उच्च शिक्षार्थियों को भी अपने अनुभव का लाभ देना चाहता हूँ. उच्च शिक्षा संस्थानों के आमंत्रण पर मैं इन विषयों पर व्याख्यान देना पसंद करूँगा. आपको यह लेख कैसा लगा और इसमें किन चीजों पर किस प्रकार की जानकारी की आपकी अपेक्षा है मुझे मेरे ईमेल asawaramanuj@gmail.com पर जरूर लिखें.

Effective Pain Relief - Brochure of Pain Relief Foundation

Pain Relief through Acupressure - By rolling pencil on fingers and toes

Pain Relief through Acupressure - By rolling pencil on fingers and toes

A mission for Pain less Humanity
By CS Ramanuj Asawa

Who am I?
I am a Company Secretary by profession, Acupressure therapist by hobby, Human by nature.

What this article is about?
This article is on health science of which I am no expert. Whatever follows here is my personal experience. For over a year I along with my wife Mrs. Lata and Son Kushal have been curing pains and other ailments of suffering people.

How/ why it is special?
You may think what this Company Secretary has to do with the pain and ailments. You may ask - many are doing this world over, so what is the big deal. Yes, there is, our method is novel. The therapy we use is very simple. We roll pencil on fingers and toes with a little pressure. By doing this we identify pains and other ailments and cure them in seconds and minutes. The therapy is so simple that anyone can learn it in minutes and use it to remain painless and disease free for life. No prior knowledge of acupressure or body science is necessary. It is so simple that anyone can do this by watching my videos posted on YouTube (links provided on my website www.painrelieffoundation.com.)

How did it start?
I had been suffering from chronic sinusitis for over eight years. My son Kushal cured my sinusitis in just two minutes. My acute back pain was cured by my wife Mrs. Lata. Mrs. Lata and Kushal both have learned acupressure from experts as a hobby. However, no expert could cure my sinusitis and back pain. After I got instant relief from Kushal and Lata it made me think that this therapy is very powerful and could do wonders if applied properly. I discussed this with Mrs. Lata and Kushal and we started detailed study of charts and points of acupressure. After initial success we started treating and training people by taking training classes on Sundays. We used to identify the points for ailments and pains; stick methidana with the help of tape; pump the point. This process was time consuming and tedious. I was looking for some simple method with better results. One day I started rolling hexagonal pencil on my fingers with pressure. It hit me that this could be done on other peoples fingers to relieve pains instantly as all the acu points on the fingers could be pressed at one go. The points where it pained intolerably were the points to be treated. It became very simple thereafter. Later on we switched to cylindrical pencil after getting feedback from Adv. Abhijeet Joshi who reported that the cylindrical pencil gave better results.

Why are we doing this?
I see a lot of pain and misery in this world. I wanted to do something remarkable in my lifetime which could bring solace to the lives of suffering people. I had a feeling that the purpose of human life may not be just to work, eat and sleep. I was looking for a hobby to indulge in which could be useful to others. The therapy of acupressure has given me this opportunity.
• It doesn’t cost me anything
• It helps people get relief in pain and other diseases
• Transparency in transaction (when I roll pencil on fingers and toes with pressure the ailing person cannot hide the pain)
• It has no negative side effects
• It can be done anywhere, anytime (half an hour gap between the therapy and bathing/ taking meals give better results)
• Doesn’t need costly testing equipments/ medicines
Any pain can be cured through acupressure; and any kind of ailment can be cured without taking medicines either by Acupressure, Auto Urine Therapy, Naturopathy, Aasan & Pranayam and meditation or all of these combined together. I am not reiterating what others claim in books, rather I've had a first-hand experience of all these.

Which pains/ ailments have been cured?
More than 10,000 ailing persons have been cured by us so far. The major achievements are:
• Relieving pain of a woman who was suffering from bodily pains for the last 18 years.
• Curing a 65 year old woman of paralysis (suffering for 15 days) in 15 minutes. She could walk without support and all the unwanted sensations were gone and she slept soundly for 4 hours immediately after the treatment. Also cured a woman who suffered due to paralysis for 9 months. It took four sittings but she is walking properly now.
• Relief in toe, finger, heel, feet pain in mere one-two minutes.
• Reliefs in case of stiff neck, cervical spondilytis, slip disc, vertigo etc.
• A person suffering from Parkinson could walk normally as against just limping before the treatment.
• A person could ride scooter after ten years; normal sensations restored in the leg.
• Relief in Piles and prostate problems.
• Relief in problems associated with Menstruation – irregularity, pain, excess bleeding, cramps, migraine etc.
• Relief from Numbness in fingers, toes, feet etc.
• Relief in lung related disorders - Bronchitis, Asthma, sinusitis, nose dripping, cough, breathlessness etc.
• Even we are getting success in treatment of hypertension and diabetes.


Who have benefited from our treatment?
People from all walks of life have benefited from our therapy. The beneficiaries include:
• Rich and Poor;
• Housewives and Working women;
• Lawyers and Judges;
• Coolies and TTEs:
• Teachers and Students;
• Policemen and Politicians;
• Young and old:
• Workers and Industrialists;
• Almost all government officers ranging from the Departments of Income tax, Sales tax, Labour, Forest, FSI, GSI, Agriculture, Education to name a few.
• People from almost all states of India from Kashmir to Kerala and Assam to Gujarat.
• Treated people wherever we go; in the morning and evening walks, Railways stations, trains, offices, schools, colleges, Universities, industries, parks, clubs, hotels, conventions and conferences; wherever we find people with pains.

Why we get pains and diseases?
I have found that most of the diseases are psychosomatic. The reasons for pains and ailments:
• The human body is the most amazing, complex, complicated and autonomous machine this world has ever seen. It has a brain, a mind and some people say a soul too. Then there are so many other bodies called etheric-body, causal-body, astral-body, pranic-body and so on and so forth.
• Still we can’t find a users’ manual to show us how to take care of this body. That is why due to ignorance we use, misuse and abuse it.
• The result is ominous. We suffer strokes and some of us leave for the heavenly abode all of a sudden canceling all the future assignments; leaving our near and dear in hapless sorrow and grief.
• This has been happening all the time. News item are replete with this.
• We need to take care of this body better than we take care of our gadgets and machines. No spares are available and no replacement is possible for our body.
• Yet we fail to take care of our own human body. If it aches we take pain-killers; if we get fever, we pop some pills and move on with our agenda.
• Pains, aches, fever, cramps etc. are the signs through which our body tells us that it is time to give it a little break. But we in our stride try at best to ignore these tell-tale signs and carry on the important jobs which we have promised ourselves to fulfill as per some agenda we have fixed for ourselves. These signs are akin to a child who tries to draw attention of his parents to his needs and problems and when failed repeatedly takes on his own course and grows up to be a menace to the parents and the society. Then it is too late to salvage the situation gone out of control.
• So beware! This is the only body you have got. Take good care of your health. Spend some time daily for exercise and introspection and everything will be all right.
Why women have so much body pain?

Women’s Body Pains and Western style kitchen
• Nowadays Indian housewives have to stand a lot of time in the kitchen doing their chores; cooking breakfast, lunch and dinner; brewing tea and coffee etc. Sometimes I wonder how come Indian kitchens are designed on the western style.
• In the western world they buy food and then warm it before they eat. In India the concept of cooking is very much alive except where the husband and wife both work and the wife doesn’t find time to cook. So they end up eating out or they carry in food and warm it before eating.
• In a typical home the housewife spends so much time standing in the kitchen that she contacts so many pains from head to toe. In contrast their mothers and mothers- in- law did not have that much pain as they used to cook sitting in the chowka (kitchen).
• It is high time they think over it and turn back to the traditional style to save themselves from the excruciating pains they suffer due to this mistake.
• I can only hope that the better sense will prevail and save the Indian housewife from the painful charade.

Why no Seat for Teachers?
• Teacher in schools are required to stand during the whole period. Classrooms have desk and chairs for students but not for the teachers. Most of the school teachers are women. They have to stand in their kitchens as well. This compounds their problem.
Women who stand for a long time during the day suffer following problems:
• Pain in the heels, sole, feet, knee, calf, thighs, hips, waist, lower back etc.
• During menses they face the problem of excessive bleeding as well.

How can you help?
If you believe in what I am doing you may help in a variety of ways:
Get relief in your pain and other ailments, if any.
• Learn it yourself and remain free of pains and other ailments
• Treat and teach others
• organise my workshops in your company, community, social group or elsewhere.
• Volunteer to help in the workshops.
• Let others know about this and forward them a copy of this article.
• Invite us to your celebrations and functions and introduce us to your invitees for treatment.
Anyone can visit us at our home Monday to Friday between 8am - 9.30 am with prior appointment for getting relief from bodily pains and other diseases. Two persons from a family/ couples are encouraged to attend so that they can learn the process and do it at home if required.

Do we charge fees?
So far we have not charged any fees either for treatment or for teaching/ training. We have been doing treatments wherever we go in Nagpur and out of Nagpur.

Many have suggested that I must charge some fees so that people come to value what I do. I have a strong belief that all best things in life are free. Like the love of your parents and near and dear, the air you breathe in every moment of your life, the water you drink (although the corporation charges what are service charge and not the cost of the water itself), the bounties of nature and all. I have not started this to make money. I believe money is important in life but not so much that we need to value everything in monetary terms. At present I don’t have a need for a lot of money. What I make through my profession is more than enough to serve my present and future needs. I don’t plan to discontinue my professional practice unless I have to do so under some pressing conditions. And what would be those conditions. For one the Institute may debar me from practice or for the other the clients I serve desert me. I don’t see any reason on these fronts. If I make this as a source of my income then perhaps the Institute can contend that I am violating the declaration I submitted for obtaining the certificate of practice. Rather I am doing it as a social responsibility and who else is more aware of social responsibility than our own ICSI. Every business organization and for that matter every person worth his salt has the moral responsibility to see for the welfare of less fortunate fellow beings.

We encourage beneficiaries of our therapy to introduce at least ten people to this therapy/ bring ailing people to us so that they also can get their pains relieved.

Guidelines for Workshops
For holding workshops out of Nagpur the following rules shall apply:
1. Attendance of 100-200 people, preferably couples.
2. Travel Expenses
3. A negotiated donation to Pain Relief Foundation. This would be used to fund the promotional activities.

Our Dream
• Health is more than wealth; hence a program of acupressure should be included in every function and celebration. I want to see it happen during my lifetime.
• Every human being in this world should have painless body and work to sustain his/ her life.
• We will use micro credit and micro finance to achieve this.

Contact details:
CS Ramanuj Asawa,
President
Pain Relief Foundation
#205, Himalaya Enclave, 1, Shivajinagar,
NAGPUR 440010
Phone: 0712-2221216 &7
Cell 094228-03662
email: asawaramanuj@gmail.com,
http://painrelieffoundation.com/
http://ramanujasawa.blogspot.com/

We, the family:

ॐ सर्वे भवन्तु सुखिनः, सर्वे सन्तु निरामयः
सर्वे भद्राणि पश्यन्तु, मा कश्चिद दुखभाग भवेत्.
May all be happy. May all enjoy health and freedom from disease.
May all have prosperity and good luck. May none suffer or fall on evil days.

Accountability and integrity for self, family, society and nation through values

First of all we need to find what is meant by Accountability, integrity, self, family, society, nation and values.

The following story explains the Accountability or lack of it:

Once upon a time there was a Brahmin who tended his garden with utmost care day and night. One day a cow strayed into it and grazed a mango sapling which the Brahmin had attended to with great care. The Brahmin, on finding the mango sapling nibbled by the cow, flew into a fury and beat it so badly that the injured animal died.

The news of the Brahmin killing the cow spread every nook and corner. When people attributed the animal's death to his cruel beating, the Brahmin who was a Vedantin explained that it was not he who had indulged in the crime but his hand. Since the presiding deity of the hand is Lord Indra, the Brahmin passed over the blame to him to be questioned of the issue.

Lord Indra, who was aware of the issue, assumed himself to be an old Brahmin and made a visit to the owner of the garden. On meeting the Brahmin, Lord Indra exclaimed at the beauty of the garden with admiration and appreciated the skilful gardener who was behind the beautiful work. The Brahmin was quick to take the praise by saying that it was his interest and hard work that had gone into the making of such a beautiful garden.

Lord Indra, on hearing the Brahmin's claim for his involvement in laying out the beautiful garden said with folded hands, that when the gardener takes the credit for the beauty of the garden, how was it that he transferred the blame of killing the cow to poor Indra? The Brahmin was visibly stupified.”

When one does not take the responsibility of his wrong actions, he ought not claim the credit for his right actions as well. Until one is established in the self, one is responsible for his actions. When self realisation dawns, actions are then not attributed to the doer.

Let us understand integrity by this small story:

Krishnadevrai wanted to test the honesty and integrity of his citizens. So summoned Tenaliram and as usual he had a good idea. He said, “We will place a big Tank in the City Square and announce that the next morning before day break all the citizens shall pour one lota of milk in the tank." The announcement was duly made. After hearing the announcement one dishonest citizen thought ‘why should I pour the milk and waste, I shall pour water and it wont make any difference and the king wont come to know’. Everybody in the City thought similarly and next day one by one they just poured water. After the specified time limit, Krishnadevrai and Tenaliram came to check the Tank only to see water. Not a single Lota of milk was poured in the Tank. Thus, he came to know about the lack of integrity of the citizens.

About values we have a little poem:

Do It Anyway

People are unreasonable, illogical, and self-centered.

LOVE THEM ANYWAY.

If you do good, people accuse you of selfish, ulterior motives.

DO GOOD ANYWAY.

If you are successful, you win false and true enemies.

SUCCEED ANYWAY.

The good you do will be forgotten tomorrow.

DO GOOD ANYWAY.

Honesty and frankness make you vulnerable.

BE HONEST AND FRANK ANYWAY.

What you spent years building may be destroyed overnight.

BUILD ANYWAY.

People really need help but may attack you if you help them.

HELP PEOPLE ANYWAY.

Give the world the best you have and you'll get kicked in the teeth.

GIVE THE WORLD THE BEST YOU'VE GOT ANYWAY.

Self consist of body, mind and soul

The Self consists of a Body, a Mind and a Soul. The body is like a motor car, the mind its driver and the soul its master. The mind is driven through the five senses. It is the role of the soul to control the mind and direct it to take the car to the destination.

I don’t feel the need to define or elaborate on family, society and nation as these are self explanatory terms and everyone is familiar with them. Self is the smallest unit and the nation is the total mass of the people living in a geographical area.

Why we should be concerned about Environment

For a healthy body we need fresh air to breath, Clean water to drink and Healthy food for nourishment.

If the environment is devastated the body will follow suit. When there is no body the question of accountability and integrity also cease to exist.

Accountable Citizen

In the making of an accountable and honest citizen, a teacher’s role is important yet minimal. They are required to teach and enlarge the knowledge of their students in accordance with the given curriculum. Ethics and values do not play a significant role in the teaching. Whatever lessons are taught in the school are merely for remembering and for passing the exams. They do not leave a lasting impression on the students. Sometimes this is due to the selection of wrong teaching material or else the teaching pattern of the teacher. All persons in the teaching profession may not be there for the purpose of teaching; they may be teaching for making a living or for any other reason.

However, what the students see at their homes plays a very important role in their lives. If you teach them at school to abstain from lying, stealing etc. and if they see their parents lying all the time and grabbing someone else’s belongings at the first opportunity, how do we expect the teachings to be effective? For the teachings to be effective, all the concerned must walk the talk. They should themselves do what they are teaching. Else it shall only have an academic value for passing exams and getting diplomas and degrees.

Here I quote from Dr. APJ Abdul Kalam’s book “Wings of Fire”.

A good student can learn from a bad teacher; but even a good teacher cannot teach a bad student.

I often read Khalil Gibran, and always find his words full of wisdom. "Bread baked without love is a bitter bread that feeds but half a man's hunger,"-those who cannot work with their hearts achieve but a hollow, half-hearted success that breeds bitterness all around.

If you are a writer who would secretly prefer to be a lawyer or a doctor, your written words will feed but half the hunger of your readers; if you are a teacher who would rather be a businessman, your instructions will meet but half the need for knowledge of your students; if you are a scientist who hates science, your performance will satisfy but half the needs of your mission.

I don not consider any need for further amplification on the experience of Dr. Kalam for two reasons. First, this comes from Dr. Kalam and second, I have seen this happen all the time. I am sure most of you agree with the above quotes as you are well versed with teaching and have put in considerable time in the profession.

My Childhood and Education

I was fortunate throughout my life so far. I had caring parents with moral values and ethics. They placed before me the lessons of life by their own living.

My mother taught me the religious matters and ethics; my father taught me to share and to forgive. I did not understand the full meaning of their acts and behavior, but these things went on to shape my life in a great way. Whatever I am today is because of their blessing and the values I imbibed.

We were restrained from watching movies and eating out in our childhood. My mother used to cook delicious eatables at home. Today all this has changed. Even Small children have all the knowledge and information through Television and Internet, which is quite disturbing as not all the information is suitable for impressionable mind. Every child gets fat pocket money to spend on junk food and what not. They have cell phones and two wheelers and are free to move unsupervised. This liberty without responsibility and accountability sows seeds for misery in the later part of life.

When I was 14 we faced financial difficulties as my father’s business failed miserably. My eldest sister was to be married and there were no means to meet the heavy expenses of marriage. Yet he remained unperturbed and managed it. It was then that I understood the meaning of true relationship. The relatives whom my parents helped time and again did not come forward to return the favours.

I was in 9th class at that time. Due to financial crunch I stopped going to school and planned to support my family with my earnings. Our headmaster Mr. L. R. Billore summoned me and asked me why I was not attending school. When I explained the reasons, he ordered me to join school immediately and assured me to help with whatever I needed to continue my schooling. However, things went smoothly and I did not have to seek any help. I will always remain indebted to him for this gesture of his. It is only because of him that I could complete my matriculation in 1978. Immediately after exams I went to work with my maternal uncles in Venkatapuram and worked with them before I came to Nagpur.

In 1981 I came to Nagpur and a cousin got me a job at an industrial house. Soon my family followed and joined me here. While working a full time and another part-time job I appeared for HSC examination in 1984 (Six years after my matriculation) and passed in first division. In the next three years I appeared for commerce exams and graduated in First Divisions in 1987. Thereafter I registered for Company Secretaryship Course.

During my trying times I had the fortune of meeting some very good people who became my friends, philosophers and guides and kept me in good humor and encouraged me in my endeavours.

I lost my mother after passing one group of CS Inter. I was very much depressed as I was very close to mother but away when she took her last breath. In my depression I did not study properly and had a very pessimistic approach towards my exam. The result was I could not clear all the papers. For the first time in my life, I failed an exam. I learnt my lesson that whatever happens, the show must go on. In the first paper I was totally nervous, but started recovering during the exam itself. The result amplified this as I scored 26/40/44/60 marks in the papers. By the last paper I recovered fully and received exemption in the last paper. I considered it as a partial success instead of complete failure. The glass is half full or half empty shows the attitude and perception of the person.

I got married in the year April, 1990. I cleared two groups of CS Final after marriage and thus completed my professional education in the year 1990. Happenings, good or bad shall not deter us from our chosen path and we shall earnestly follow it and take it to its logical end.

On the role of money in life

I quote here from Goswami Tulsidasji’s Shri Ramcharitmanas which was in my Hindi Textbook:

जल संकोच विकल भई मीना; अबुध कुटुम्बी जिमी धन हीना.

In the rainy season all the pot-holes get filled with water and become home for aquatic creatures; with the onset of winter the water starts evaporating and the fish in these potholes become restless; in the same way the head of a family (grihasth) without money suffers for day to day expense.

Today’s Mantra is “Beg, Borrow or steal”. How can one live in peace in this type of atmosphere. You can buy anything today and pay in installments your whole life. You work to pay your bills. You work because you have to; not because you like to.

During my trying times, I had to keep my needs minimum so that I could continue my education. I knew that if I did not continue my education despite financial crunch, I would suffer for the rest of my life. Financial integrity played a big role all these times. We never believed in borrowing for personal use.

As I learnt the importance of money at a tender age I did not have any ambition to become somebody or to own something. Rather I wanted that my family should get enough money for day to day needs. As soon as I started my CS practice, all financial problems vanished. My earnings in the first year were twice my needs. I have never looked back since then. I have earned more than I could spend.

My Practice as Company Secretary

From 1992 I started practicing Corporate Laws.

I always tried to excel in whatever I did. CS profession is no exception. People come to me for good advice, integrity and honesty. My terms seem harsh to non compliant people. I concentrate broadly on two matters:

i) Imparting education of Corporate laws, strategic planning, discussion and guidance; and

ii) Technical guidance for compliance of the law in filing of various returns and reports.

I delegate most of the work to the clients’ staff so that they get trained to ready to look after day to day affairs.

I apply certain principles in my professional practice. They are;

1. I don’t take people known to be non compliant; if I find them non compliant later on, I drop them from my clientele.

2. I don’t share my fees with anyone. I avoid taking or giving of commission or cuts for sending or getting assignments.

3. I practice only Company law matters and nothing else, even though I am capable of dealing with tax, finance, accounting and other business related matters. This way I don’t have a conflict of interest with other professionals who refer assignments to me.

4. If I feel that a client is disrespecting, me I discontinue the brief as I know that I will not be able to respect him for long and in my opinion a relationship bereft of respect is insult.

5. I have set patterns for charging of fees and never take advantage of the innocence of the people or the crisis they are in. Many times I end up giving free advice to the victimized directors at the hands of majority directors and shareholders. What’s more, these people aren’t even my clients!

6. I never bargain or allow discounts in fees. If a client is unable to pay up due to financial crises, I waive the fees. I never go after bounced cheques.

Even before I accept my clients, I put some questions to them, questions like:
1. Reasons for the incorporation of the company; and the Mission, vision and value systems (ethics);
2. What they will put into the company and what they expect in return;
3. How they will allow other people to join the company as shareholders/ directors;
4. How they will part, if need arises;
5. Form of communication between directors;

I only accept them if I receive a satisfactory answer.

Professionals are meant to be educators. It is their responsibility to educate their clients, rather than take advantage of their situations. Also, it is the responsibility of their clients to accept that education, and to act accordingly.

Corporate Social Responsibility

In the days of my schooling there were hardly any schools run as a business. Schools were established by people with philanthropic attitude and purpose. There were charitable hospitals, Pyau, Dharmshala, Annakshetra etc. everywhere. There were no phrases like “Corporate Social Responsibility”; people were more responsible and caring for the society. Sometimes I wonder “kahan gaye woh log?”

When teaching, healthcare and likes of it become business and profit becomes the motive then all the malice associated with business also enter it. Now everything is corporatized and everyday new words are invented to justify the actions.

Role of Role Models

Let me start with Integrity. If we look at the actions of all the public figures, whether it be political class, corporate class or any other section of the society, we find that nobody is bothered about integrity. And obviously, we the lesser mortals are following them and banishing ‘integrity’ from our dictionary.

When we see big b endorsing chocolates and cold drinks and what not; cricketers endorsing useless things; compromising the result of games; what can we expect the youth to do. The very icons whom they worship are so corrupt and unaccountable. How do we expect that the teachers and parents can bring up the children to become responsible citizens?

Accountability can be described in contrast also. I shall give some examples to illustrate my point:

When one shells out hefty amounts to secure a seat in a medical college what can you expect from these poor fellows. They are there to recover the money they paid manifolds and to make a luxurious living out of it. Some cardiologists perform angiography and angioplasty for money. Many physicians prescribe unnecessary CT scan, MRI and other tests so that they can get a cut at the end of the day. It’s official! Obstetricians perform caesareans instead of normal delivery for the money. And on top of it they don’t tell the whole truth about the consequences of doing it and not doing it. They try to capitalize on the fear of the patient and his relative and their own greed for money. The other day I searched the internet and found some articles by doctors saying that if one gets two CT scan he is exposed to the radiation equal to that of Nagasaki and Hiroshima. The Japanese did not pay the US for the radiation but poor patients pay to get it. Is it not amazing and amusing? For simple pains operation is performed whereas it can be cured by acupressure and urine therapy. I have personally cured thousands of patients, some of whom were to undergo surgery for ailments like piles, shoulder aches, back aches etc. Steroids are given without much educating the patients and the situation goes from bad to worse.

Strangely enough, we are the ones responsible for this. You may ask how? We have stopped the learning of basic things and delegated the core responsibilities to others. We don’t want to learn the basic things about our bodies, its functioning, and have delegated the job to doctors, nutritionists, and the like. I would like to say that ultimately it is my body; the other person will not be as much concerned as I am.

Treat your body with Care and Respect

The problem is people are so busy making money and chasing their dreams that they abuse the body. And when it becomes immobile they are deposited in a nursing home like a wrecked car in an auto garage. People take care of machines and gadgets as per user’s manual but fail to comprehend the user’s manual of their own body. If it aches they take a pill instead of taking rest and introspecting what is wrong with it. Prominent examples are the Late Ranjan Das, CEO, SAP India who had to leave at the young age of 42, and the Late Dr. Neetu Mandke, the cardiologist.

Keep learning and you won’t need to amass money and things

One has to keep learning throughout his life. A single life is not enough to learn everything. We start in the next life where we leave in this life. My life has been a very good learning experience. I always try to learn new things and try to apply them in the day to day life to ease the working and enhance enjoyment.

After passing CS I learnt the basics of the practice. Computers were new in those days, therefore I first learnt how to use computers. Even though I did not own one, I learnt the basic operations and maintained client records on clients’ computers from the very early days of my practice. I kept learning the different office application programs to ease the routine matters. Later on I studied databases and programming and wrote programs for my office. I also passed Certified Information System Auditor Exam. Thereafter I attended a course on ISO 27001: Information Security Management System.

Throughout my life I was looking for a hobby. I found this in acupressure and for the last one year I am treating pains and ailments of people. I have cured many diseases and pains and plan to take it to a National and International level. I never feel insecure as I am employable anywhere, anytime, recession or inflation. There is no fear of theft if you have skills.

Raja pujyate deshe; vidwan sarvatra pujyate.


Use your freewill

God has made us in his image and gave freewill. We can achieve anything in life by carefully exercising the freewill. The role of education is to afford us discretion to apply the freewill. If we have a choice then it is freewill; if there is no choice then it is destiny. One cannot complain that he has no choice and it is his destiny to lie or steal. If he understands the meaning of freewill in the right sense, he will start using his intellect and get lasting satisfaction in life. Else he will chase mirage and will be lost in the desert of life.

Corruption in bureaucracy

There are very cumbersome, tiring and difficult selection procedures for IAS, IPS and IRS. Still we don’t have honest people as public servants. Most of them are very honest when they enter the service. It is said that the system corrupts them. They succumb to the Peer pressure, pressure from family for more money, pressure from political bosses and similar things. I recall Mr. N. Vittal, the then vigilance commissioner, said in a talk that everywhere there is talk about corruption in the public system, but nobody talks about the supply side of corruption. If nobody is willing to pay then how come one demands or gets the money. He was right to some extent. The problem will continue unless and until each one of us decides positively not to act upon our greed and fear.

Crisis in Leadership

So long as we have clowns in the cockpit no one can save our plane from crashing. Parliament and Legislative bodies are akin to the aeroplane. The elected leaders are from among us. They merely represent the quality of the people who elect them. When the people electing legislators are neither accountable nor honest with themselves; and vote for some consideration without going into the merits of the candidates we are going to suffer.

Ethics in business

It is said that everything is fair in love and war. Great Dhirubhai added business to it. Now you see the result all over; his very own sons fighting for a greater share of the pie. There are many business houses and one cannot say that the families owning them never face any differences. However, they have mechanisms is place to settle it amicably behind closed doors with proper mediation; they never wash their dirty linen in the public.

Lessons from Mr. Azim Premji and Wipro

Under Mr. Premji's stern direction, the company was one of the first in India to refuse to give or accept bribes, a bold step in a country where payoffs were the grease of business life.

The company once fired a man who claimed expenses for a first-class train trip when he actually rode second, a difference of a few rupees. When the man's union called a strike and stayed off work for three months, Mr. Premji refused to back down.

To set a tone of modesty and discipline, Mr. Premji, a billionaire many times over, rides economy when taking flights around India and drives a four-year-old Toyota Corolla - purchased only when his nine-year-old Ford Escort gave out.

Unlike other Indian tycoons who have passed on their companies to their sons, he has no dynastic ambitions. When his son Rishad joined Wipro last year, the company said he would be taking a post "commensurate with his background and experience."

See what Mr. Premji have to say on values:

In spite of all the change around you, decide upon what you will never change – your core values. Take you time to decide what they are but once you do, do not compromise on them for any reason. Integrity is one such value.

Finally, we must remember that succeeding in a changing world is beyond just surviving. It is our responsibility to create and contribute something to the world that has given us so much.

We must remember that many have contributed to our success, including our parents and others from our society. All of us have a responsibility to utilize our potential for making our nation a better place for others, who may not be as well endowed as us, or as fortunate in having the opportunities that we have got.

Now it is time for some words of wisdom from none other than Mr. N. R. Narayana Murthy of INFOSYS:

When, one day, you have made your mark on the world, remember that, in the ultimate analysis, we are all mere temporary custodians of the wealth we generate, whether it be financial, intellectual, or emotional. The best use of all your wealth is to share it with those less fortunate.

I believe that we have all at some time eaten the fruit from trees that we did not plant. In the fullness of time, when it is our turn to give, it behooves us in turn to plant gardens that we may never eat the fruit of, which will largely benefit generations to come. I believe this is our sacred responsibility, one that I hope you will shoulder in time.

Be honest and Accountable to yourself

If one is accountable and honest with oneself there is no need to find if he is honest with family, friends, society or the nation. All other things are simply a consequence. If a man is honest then he is honest with everything. Else you cannot expect him to be honest with family and dishonest with others.

Secrets Of Life (In English)

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Secrets Of Life (In English)

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THE BILLION DOLLAR MACHINE THAT WENT TO THE DOGS

Today we live in the most modern of the worlds. We have gadgets, appliances, machines and what not. Some of them are wonderful and intelligent too. We have excellent communication devices and we can voice-chat anywhere in the world in real-time. We take care of these machines in accordance with the users’ manual as all these hitech gadgets come with.

Let me tell you, the human body is so far the most amazing, complex and complicated machine this world has ever seen. It has a brain, a mind and some people say a soul too. Then there are so called etheric-body, causal-body, astral-body, pranic-body and so on and so forth. Still we can’t find a users’ manual to show us how to take care of this body.

We use it, misuse it and finally abuse it. The result is ominous. We suffer strokes and some of us leave for the heavenly abode all of a sudden canceling all the future assignments; leaving our near and dear in hapless sorrow and grief. This has been happening all the time. News item are replete with this.

We get our motor car serviced at intervals. We change the batteries when they get worn. We change oil and spares when they wear out. We fill in the right grade of fuel so that the car doesn’t give us trouble in the middle of road. Most of us believe in preventive maintenance of our cars and sign up with the authorized service centre so that they pick the vehicle on due date and return us in good repair.

Yet we fail to take care of our own human body. If it aches we take pain-killers; if we get fever, we pop some pills and move on with our agenda.

These are the signs through which our body tells us that it is time to give it a little break. But we in our stride try at best to ignore these tell-tale signs and carry on the important jobs which we have promised ourselves to fulfill as per some agenda we have fixed for ourselves. These signs are akin to a child who tries to draw attention of his parents to his needs and problems and when fails repeatedly takes on his own course and grows up to be a menace. Then it is too late and we end up trying to salvage the situation which has already gone out of hand.

So beware! Take good care of your health. Spend some time daily for exercise and introspection. Then everything will be all right.