This is my website

After considerable amount of time here are some analysis based on data collected from google analytics .

1. I get many first time vists ( 85%) . But 14% second time visits is something good . It means people come back

2. The number of vistors is low , but yet significant Around 2k visits a month( I know many tech blogs get this traffic in a day ) But mine is not a tech blog .

3. Many people aspiring for IAS and using internet are in bangalore 10 times Delhi . So market for internet solutions is in Bangalore only .. It s abysmally low else where . People searching for “IAS coaching” is highest in Bangalore ( around 500 people a mnth) and next in Delhi followed by Chennai .

4. People of late have started using “namma ias” as search string . Now more than 50% of clicks I get from this search string which means people see me as a entity .Earlier I used to get clicks from mainly “IAS coaching bangalore” string .

5. Most people send good amount of time on my site which shows it is informative .

6. The problem is about bounce ratio .. No idea how to control it .

7. Most people use Firefox than IE to come to my website which means people are in SW industry / than laymen .

8 . The conclusion is that people know me .. People know Namma IAS exists , but people are hesitant to try I guess . A open invitation to all ..

There is no use people discuss “Is it good? Do they do this that in some forums . The best way is to experience the innovative learning at Namma IAS . Attend the classes … drop in on Saturdays/Sundays and experience for yourself — Namma  IAS

The work mainly now remains how to make people experience the newness ..:)

Now in Bangalore a new trend has started ..

1. Coaching institutes claiming 100% success in prelims ….

( Eg refer this .) See there is no “great achievement” in clearing prelims if you r failing in Mains .  Now whats the great deal if you clear prelims if the coaching was for you to be a IAS officer?

2.  Why are coaching institutes for ?

Are they UPSC ? No right … The purpose of coaching institutes are to guide people who approach them .. Now some insti .. doing a telephonic interview ..etc and at end charging 30+ is nothing but just a ” show off” and nothing more .

3. Regading coaching institutes claiming “So many questions are from my material” ..

Refer the basic materials 100% questions are from there .

For GS the sources are IYB , VajiRam n Ravi mains class Notes and Newspapers

For Pub Ad .

Mohit Bhattacharya , Nicholas Henry , IJPA apart from ur LK and Stephen Robins

So its 100% from them .. So its just fart to claim this % is from my notes his notes etc ..

4. Clear the myth off .. The basic pblm is till  now you used to study 1 book as the syllabus ..

For eg DSC is the maths book ..

For UPSC you need to study based on syllabus … since 1 book does not serve the purpose .  As simple as it .. What r the sources well defined based on ur subject ..

Namma IAS organises backgrounder classes for IAS 2010
NOVEMBER 2nd to 6th 6:00 pm to 8:00 pm
In these classes candidates will be enligtened with current issues like Food Security , West Asia crisis , Nuclear deal , International relations etc .
Generally Candidates ,starting new would not have a background in these , they generally cannot co-relate the newspaper when they read .
So if you think that after following newspapers for months now , you cannot answe the diff b/w Hyde and 123 or unable to appreciate the Climate Change dialogues . The class is for you .

PS:
1.Those who are paying their fees by giving their 3hrs . Thes classes are NECESSARY
2. These are not regular classes . NOT A PART OF COURSE .
3. ENTRY IS FREE . [ Kindly call 9844042465 and register , it will help us to manage better]

NOVEMBER 7th — Inaugration and NOVEMBER 8th — The actual classes begin
You can check invitation here

Namma IAS in association with Ajit Sinha is bringing GS -Mains Test Series in Bangalore . If you have cleared prelims and would like to test yourself and from Bangalore , Kindly contact Namma IAS . [http://nammaias.blogspot.com] The tests will run parallel to that which runs at EBS in Delhi . Since 3 Tess are done , remaing 7 tests will be offered . Discussions : Based on the response Ajit Sir has agreed to come to Bangalore once in a month when complete discussions can be held . Of  course we have our own experts discussing the model answer .

Well let me try to explain the details ( not some figures ) and ttheir impact on Indian economy .This will be a pretty long post . So warning the reader before he proceeds .

Budget 2009 can be discussed under following heads

1. Intention of the Govt as expressed in Budget

2. Direct Vs Indirect Taxation — A folly always repeated

3. New Pension Scheme

4. Goods and Service Tax

5. Fertilizer Subsidy

6. Farmer Loans , Agriculture

7. Oil Sector

8. The great empowerment of Indian aam admi — Disinvestment

9. Banks and Insurances

10. Our Srilankan Brothers

11. National calamity Fund

12. Rashtriya Swastha Bhima Yojana

13. Pradhan Mantri Adarsh Gram Yojana

14 . Employee Exchanges

15. IT sops

16 . What my Rural bhai got what he lost.

17 . What my Urban bhai got what he lost .

18. Why market reacted negatively for this budget .

1. Intention of the Govt as expressed in Budget

The intention of the Government is very clear , put more money in hands of the people and this is ofcourse the way to tackle recession . Only when people have money , people can spend  and only when people spend economy can grow .. Confused How ?

Ok  for simplicity lets say there is only 1 Factory which produces good “x” and there is 1 house hold of “Ramu” . ( for simplicity)There is only 1 product in the market and only that is need by Ramu to live survive and so on. Our Ramu goes and works in the Factory and Factory pays him salary . (For simplicity) lets say Ramu does not save anything but spends all his salary on the good which factory produces .

Now Suddenly one day Goddess Laksmi came and said in Ramu’s dreams to spend more even though he doesnt have money . Lets say Goddess Laksmi says “Ramu I ll give u the extra money go n enjoy ” .

What will Ramu do ?

Ramu who used to purchase 1 good of factory now will purchase 2 goods .==> Factory has to produce more ==> factory needs Ramu to work more ==> factory will pay more ==> ramu will get more salary .

So broadly this is how economics work though i have simplified .. So always growth is possible when people start spending and this is what our FM wants and this is very clear coz of

1. Income Tax rebates , doing away with surcharges ==> More money in hands of Urban .

2. NREGA ==> 39,100 cr and farm loan 6% ==> More money in rural

So govt clearly wants people to spend more . Remember this I will use this again in later part when I speak abt disinvestment .

2. Direct Vs Indirect Taxation — A folly always repeated

This time budget Our FM has kept Direct Tax changes is revenue neutral and Indirect Tax is supposed to fetch Rs 2000 cr more . Time and again We have done this mistake , we are doing it again .

First of all we need to understand what is “direct tax” and what is “indirect Tax” .

Direct Tax ==> Tax borne by same person on whom it is imposed .

Example our Income Tax . I have to bear my Income Tax . I cannot ask my company to pay my Income Tax

Indirect Tax ==> Imposed on someone and borne by someone

Eg all these VAT etc .. Tax on goods ==> Initially Merchants pay ==> But later collect from end customers .

In most developed countries Direct Tax > Indirect Tax , but in India we have Indirect Tax >> Direct Tax .

The main problem here is if ” Indirect Tax is more poor is hit ” since the price of goods will increase but with direct tax the rich [ I mean Tax payers] is hit [ This is considered "ok" because they have sufficent cushion to survive , but poor will cut his one time meal to survive ( generally woman in the house ) ==> Malnurtion and bigger problem again to the govt]

So I am very sad despite after many reforms committees reports we are doing it yet again .

3. New Pension Scheme

A good description of NPS can be seen here . Basically now everybody can have a pension scheme . major advantage

1. A min investment of Rs 500 .

2. Very low Fund management charge

3. Disappointingly it has tax on withdrawal unless u convert it to annuity at the end of 60 yrs .

4. Its has e( equity) C ( mixed) and G( govt bonds) so balance risk taking course .

5. “The trust that Govt wont cheat ” . Afterall it is a 40 yr long commitment !!

To these above advantages Now NPS trade in equity and derivative market wont attract STT .. This means more profit from NPS than other MF .. which will be availbale in market . [ provided they r into same companies and managing same portfolios] .

4. Goods and Service Tax

For long now GST has been in discussion . 13th Finance commisson is also looking into it . Empowered commitee of all State FM’s have finally given nod .

Basically after introducing this GST lots of this tax that tax etc goes and single unified taxation comes into effect . Thus petrol in Bangalore will not be >> than petrol in delhi and so on ..

But  GST has some inherent challenges also .The model being adopted is called “dual model ” where by both centre and State levy the tax

First big headache, State loss

States will be under loss , if GST is implemented because states which were charging some tax on crossing their borders is now gone .. So state will be under loss . Though centre has agreed to bear the loss for 5 yrs .. State always feel wary abt centre . This buget NO MENTION OF CENTRE BEARING LOSS .

Second big Headache , Taxing services .

Now service are being brought under taxation ==> HUGE work on building new infrastructure to track service usage etc .

For eg till now service tax was collected by Centre , but now with GST there r States also involved . So details like if a telephone call is made from Delhi to Mumbai where will it be taxed ? Delhi or Mumbai etc has to detailed out and a effective IT structure and new training of officials is needed .

5. Subsidies

Subsidies debate has been for quite long almost from green revolution time .

For Subsidies : People say subsidies for poor is needed if inequalities has to be destroyed .

Against Subsidies: People say subsides destroy competitiveness and also the value . They quote eg of water . If water is free people will use drinking water to wash their bufffaloes also . If water is charged then people will conserve even a single drop of water .

Anyways taking the existing inequalities in country subsidies cannot be done away with . Govts step to REDUCE susbidies is welcome .

Mainly 3 subsides are of  importance

1. Fertilizer Subsidy :

a) Govt is moving to nutrient based susidy instead of current product pricing regime .

b) Till now govt would deal with fertilizer companies and make sure fertilizer available at cheaper rates . This is a big mistake because the actual benifitter is the company than the farmer . In practical situation rich farmers make maximum utilization of this scheme , which was introduce to protect marginal farmers . NOW GOVT IS MOVING TO GIVE SUBSIDY TO FARMER NOT COMPANIES . A very welcome step

2. Oil Subsidy

The LPG gas you get or Kerosene is sold at cost less than cost price …

3. Food Subsidy

Food Security Act is coming !! The next big ONE after RTI and NREGA . This is one of the reason I love Sonia Gandhi .. She is “the woman” . These schemes , NO ONE IN THE WORLD has dared to try and We are the pioneers . “Neccessity is the mother of all invention ” . No doubt with India being 66 / 88 in global hunger index ==> More than 50% of my brother and sister sleep with half empty stomach , food security is needed . But the controversy is the “details of the ACT” .

Whats the controversy ?

The ACT would mean 25kg of Rice / wheat at Rs 3 per kg to BPL families .

The problems with this def

1. Wrong definition of BPL . BPL in India Rs.11.80 a day per adult in rural India and Rs. 17.80 . This age old def itself precludes bulk of deserving people outside .

2. BPL and Antyodaya 9 poorest of poor conflict.

When you draw a line say like this ———————————————

person A

“             B

“               C

All A , B, C are BPL . But A is close to the line and C is fartherst . C needs more immediate help than A . We call C as “Antyodaya” .

Till Now C is enjoying a scheme called ” Antyodaya Anna Yojana ” gets 35 kg of Rice for Rs 2 . Now with this act AAY is scrapped and all come under same roof so , for him it would be 25 * 3 = 75 Rs. Before under AAY he was getting 35 kg for 2 so his monthly bill was Rs 70 . Now with this he is paying 5 Rs more and getting 10 Kg less .

For A and B

A BPL family’s ration bill for the 35 kg of wheat it is entitled to is today around Rs. 157.50 at the average rate of Rs. 4.50 a kg. This includes the cost the States add to the Central issue price of Rs. 4.15 a kg. Since the Act proposes cutting the BPL quota by 10 kg, the benefits of lower prices will be negative and families will end up spending Rs. 195 for the same quantity of cereals.

So effectively the ACT in its present form fails to provide the “additional security ” instead disturbs the current one .

6. Farmer Loans , Agriculture

Farmer Loans . Many of my friends had clamoured when Govt had announced farmer’s loan wavier . But friends Farming is the most riskiest business in the present day world . The very fact that getting insurance is difficult says the uncertainity and risk my farmer brothers are taking .

1.Govt has decided to give upto Rs 3L loan at 7% and 1% rebate if he pays back promptly

2.Raised the credit flow

7. Oil & Gas Sector

1. Tax breaks on profits from productiona and sale of Natural gas and oil from upcoming NELP VIII

2. This is only for upcoming not already existing ==> So RIL out

3. Tax benifit for private if set up refinery before 2012 ==> Advatage Essar

4. National Gas Grid !! Wow finally we will have pipeline highways

So if you are buying any stock advice is to hold Essar .

8. The great empowerment of Indian aam admi — Disinvestment

I have been telling from long time , The common man is not being involved in the growth process . He is not “owning” a business . Disinvestment is one of the steps of financial inclusion of “masses” where by masses will start holding a share in the growth story of India .

Govt is expecting to rise Rs 2000 cr from market via disinvestment . There is a small glitch here , with the competion of corporates and Govt to raise money from market but obvious interest rate will go up . If it goes up in recession then a lot of problems are in the bag .. Be ready ” the common man” .

9. Banks and Insurances

FM made a strong statement that not less than 51% stake will govt hold in banks and insurances . So that means not increase in FDI here .. So no quick solution to the trouble .

10. Our Srilankan Brothers

Rs 500 cr for Srilankan brothers . A very good move . I appreciate congress for this . I will write abt Sri Lanks sometime

Ha .. I am sleepy .. rest are some direct things like modernising employee exchange , PM Adarsh gram yojana , Our FM has showered great favours on Women ( Hope women use it and claim their right share ) .

In nut shell

1. Though a deficit of 6.8 % . The low inflation now acts as a cushion . FM says to get the deficit right in 3 yrs lets see . But this was unavoidable . With 6th pay commison ,  relief packages .. [ AAI in distress as I write thing , I guess Jhadav is having night mare as i write this ]. So I am not against it .

2. More money in hands of people

3. More planned disinvestent .

The market has not understood the bidget completely yet . I see a bright shining future for my country , and budget has been good and balance .

I hope I have made budget core simpler .

Good Night

For all IAS aspirants in Bangalore , now we have a Namma IAS Book Store .

Its not a uncommon experience when a person in Bangalore goes to Delhi to search a book . Now there is a end to this work .. You can get all the notes/ materials / magazines / textbooks for all major subjects for IAS ( UPSC ) exam .

Check here for more details .

Now for

Vaji’s GS , Upendra’s sociology , Mukul Patak’s Pscychology , Mohanty’s Public Administration or Old NCERT.. all notes available in Bangalore .. Just call 9844042465.

For the benifit of students we have placed the profit margin at lower end . Please do let us know the pitfalls/ feedbacks for the same

As you all might know BBMP elections are going to be held in another month . I request all of you who are intrested in particapting , contesting elections , so that we can go ahead and file nominations .

What is the cost of contesting ?
For LS – Rs 10k .. for RS – RS 5k and for BBMP – Rs 3000 . This is the deposit you will have to keep . If you loose deposit wont be returned .

What only RS 3000 ??
Yes , this does not include your campaigning cost . Generally a decent campaign can be fought with Rs 10k .. in a ward . With educated population in Bangalore , it doesnt cost much for campaigning if you choose right wards .

What are the advantages of fighting elections?
1. You will know a lot abt people
2. Its the best supplement you can have on ur Resume if you apply for any MBA in future .
3. Its a different experience .
4. Media publicity .

Should we form a party ?
If sufficent number of people can be got , we can form a party ..

Any other elgibility ?
Yes
1. You should be >21 yrs for BBMP
2. You should be registered voter in the ward which you will contest .

What you get if you win ?
You become a corporator . You can become a Mayor also .

Kindly pass on to your freiends .. and let me know if they are interested … @ satishtj@gmail.com . Since time is less people reply asap .

We need atleast 28 particpants . The leader / General Secretary of party etc will be democratically elected in the meeting .
Thanks

Refer http://karsec.gov.in/urban_copr-rules.html for details

Satish TJ

I have been now asked this question “n” number of times by ” |_  (n/x)  _ |” number of people .

1 . Ask them course detail

Ask them the pedagogy . If a coaching institute has not prepared it , then you can guess the seriousness they carry in coaching . In Civil Services the most important is planning . Ask for the plan ( Demand for it ) . And dont settle for vague answers . Let it be on paper , like what part of portions will get covered when , etc etc etc .

2. Based on your convinence choose the batch .

If you are working / not working etc

3. Speak to the Teacher / Instructor

Most of the time you join coz of some name . Dont do the mistake , go personally and meet the Instructor and teacher and see if he is really commited and ready to go a extra mile to help you . This is the most important characteristic of the teacher which will benifit you . In fact this is the only exam where current affairs makes a difference . Generally the older gen teachers tend to be complacent with happenings of today . Check if he is in today’s context …

4. Check if they have any Test Series to evaluate

Coaching should never be a sink , It should be a coninuous process and feedbacks are very important .

So kindly do check following points before you join , so that you wont regret later .

Hi ,

Giving back to society does not mean contributing to a NGO . This is something I observed very much .. Most of the corporates will have a group and almost all the corporates give funds to “A SAME SCHOOL” .. This in no way means contribution ..giving food to already filled is not help .. I am also not saying stop giving .

The real way of helping is not providing “fish” to a hungry man , but teach him fishing ..Thats where microfinance fits .

So what you can do ?

See as I identify the section of people who need most help is

1. The transgenders ( Kojas,Hijras whatever you may call them )

2. The Housewives ( Their contribution @ home is never economically valued).

The problem of transgenders.

Disparity in Education

They r the most oppressed section in society . They dont have any seperate schools , and in normal schools tehy are the most abused / humiliated , as a result most of them generally quit before high school .

Disparity in Govt employment and Private Employment

Since most of them end up non 10th pass , they become inelgible for Govt employment . Another important aspect is  even in constitution ( Art 16, Art 15) says “No discrimation based on sex” , which rules out any provisions that can even be thought for them .

Most of them try to searchh for pvt employment , and again they are most abused here . They are even unable to get a hosue maid job because generally women are worried that these “transgenders” are more powerful and fear any “danger” from them .

As a result they generally end up in ill-legal activites , which earns them a living , which makes police always suspect them for any petty crimes that happen in locality .They are the real “abled” people made “disbaled by society .

This is not some dreamt pblm , this is on the ground situation . Next time you meet a transgender in traffic light , speak to him for 15 min , which i am sure will make your heart beat for them .

The Solution

Today I visted “Prerana” . Its a small shop which is run by transgenders . This shop gives them 2 meals a day .

What can you do ?

You can finance a shop . The cost of shop is not too heavy . It ll cost you around 3L – 4L ( ie 4 1L investors) .

1.You will get 20% of profit earned and the the transgenders will share 80% of the profit .

2.Your investment is not lost , It always exists but in kind .. like cloths or like retail etc .. And the investment you make is not “JUST A DONATION” . It earns you back something , though may be NOT HUGE profits , but still a decent amount .

3. You help some people find a “life” . You will be the eshwar , allah , GOD of their life.

4. Over a long term , your investments will earn better than what you would by keeping in the bank .

Dont you think , its a good way ?

Dont just give  a fish , Teach him fishing .

1.If you are interested to do such investments . Please do write to business.namma@gmail.com

2. I am in touch with the community of transgenders . If you find someone who is intrested drop a word

NAMMA

[ Next article on House wives .. Most exploited are women of medium class families than poor /rich families]