Saturday, January 30, 2021

राजर्षी शाहू महाराज

            समाज विभागाच्या महाराष्ट्रातले विद्येचे माहेरघर म्हणून ओळखले गेलेले कोल्हापूर. या कोल्हापूर शहरामध्ये माहेरघराचा पाया घालणारा महापुरुष म्हणजे शाहू महाराज. महाराजांनी १९१७ साली त्यांच्या राज्यात मोफत सक्तीच्या शिक्षणाचा कायदा केला. १९०२ साली राखीव जागांसाठी केलेला कायदा. हे दोन्ही कायदे त्या काळात अतिशय दुर्मिळ होते.

          शाहू महाराजांनी प्राथमिक शिक्षणावर जोर दिला. प्राथमिक शिक्षणाविषयी एका भाषणात ते म्हणतात, "शिक्षणानेच आमचा तरणोपाय आहे. इतिहास असे सांगतो की, कोणत्याही देशाची उन्नती शिक्षणामुळेच होते. अज्ञानात बुडून गेलेल्या देशात उत्तम मुत्सद्दी व लढवय्ये कधीही निपजणार नाही. म्हणूनच सक्तीच्या आणि मोफत शिक्षणाची हिंदूस्थानला अत्यंत आवश्यकता आहे. या बाबतीत आमचा गतकाळ म्हणजे इतिहासातील एक अंधारी रात्र आहे. फक्त एका जातीने विद्येचा मक्ता घेतला होता. खालच्या कमी जातींच्या लोकांना विद्यामंदिराचे दरवाजे बंद करण्यात आले."


            शिक्षणातील अडचणींचे पेशवाईतील उदाहरण देतांना शाहू महाराज सांगतात, "श्री प्रतापसिंह महाराज छत्रपती हे पेशव्यांच्या ताब्यात असतांना लहानपणी लिहणे वाचणे शिकण्याचीही त्यांना बंदी होती. तेव्हा त्यांच्या आईने रात्री बारा वाजता उठवून ब्राम्हणेत्तर पंतोजीकडून लिहणे-वाचणे शिकविण्याचे काम केले. छत्रपतींची अशी स्थिती, तर मग इतरांची काय कथा." एका ठिकाणी महाराज म्हणतात, "प्राथमिक शिक्षण सक्तीचे करण्याअगोदर सध्या उपयोग असलेली शाळागृहे विस्तृत व हवेशीर केली पाहिजेत व तिकडे खु्ई करण्याची जास्त जरुरी आहे. No Cake to a few untill all are served with bread हे इंग्लंडमधील मजूर पक्षाचे धोरण होते. पण येथे शेकडा नव्वद लोक उपाशी आहेत व दहा लोक पोळी खात आहेत.

           सक्तीच्या शिक्षणाचा कायदा करतांना महाराजांनी पालकांना दंड ठेवला. मुलगा शाळेत आला नाही तर दरमहा एक रुपया दंड घेतला जाई. आय. सी. एस. च्या परिक्षा संदर्भात महाराज म्हणतात, "आय. सी. एस. च्या खटपटीला आणि कॉलेज स्थापन करायला पैसा भरपूर मिळतो पण प्राथमिक शिक्षणास मात्र या लोकांजवळ पैसा नाही का?" कोल्हापूरात महाराजांनी उच्च शिक्षणासाठी सुद्धा प्रयत्न केले. हायस्कूल व कॉलेज काढले.

            दलित वर्गाच्या शिक्षणाविषयी महाराजांनी खास काळजी घेतली. परंपरेचे गुलाम बनलेले संस्थानातील काही शिक्षक मागासलेल्या जातीच्या मुलांना शाळेच्या व्हरांड्यात बसवत. मग शिक्षण देत. महाराजांच्या हे लक्षात आल्यानंतर महाराजांनी ८ ऑक्टोबर १९१९ रोजी खास हुकुम काढला. त्या हकुमात म्हटले होते, "करवीर इलाख्यात अस्पृश्य लोकांच्या मुलांसाठी स्वतंत्र शाळा आहेत. त्या येत्या दसऱ्यापासून बंद कराव्यात व अस्पृश्यांच्या मुलांस सरकारी शाळांत इतर मुलाप्रमाणेच दाखल करुन घेत जावे. सरकारी शाळांतून शिवाशीव पाळण्याची रीत नसल्याने सर्व जातीच्या व धर्माच्या मुलांस एकत्र बसविण्यात यावे."

             दुसऱ्या हुकुमांत ते म्हणतात, "स्पृश्य वर्गापेक्षा अस्पृश्यांना जास्त ममतेने व आदराने वागवावे. कारण स्पृश्य लोक कोणत्याही प्रकारे शिक्षणास आपला मार्ग काढू शकतात. परंतू अस्पृश्यांना ते असाध्य असल्यामुळे कोणताही मार्ग नाही. शाळा खात्यातील कोणालाही इसमाची असे करण्यास हरकत असेल तर त्याने हा हुकूम झाल्यापासून सहा आठवड्यांचे आत आपला राजीनामा पाठवावा व त्याला पेन्शन मिळणार नाही.

              दलित समाजातील मुलांना प्रोत्साहनपर आणि आवश्यक म्हणून स्कॉलरशिप व सवलती मिळत. राजाराम कॉलेजमध्ये मुलींना फी माफ होती. शेतकऱ्यांच्या मुलांसाठी शाळांची वेळ त्यांच्या सोयीने असावी. असे आदेश महाराजांचे होते. महाराजांनी कोल्हापूर संस्थानात अनेक वसतिगृहे बांधली. यातील बहुतेक वसतिगृहे महाराजांच्या काळातील आहे. यातील अनेक वसतिगृहे जातवार आहेत. काही सर्व जातीची होती व आहेत. खेड्यातील मुलांना शहरात येऊन चांगले व वरचे शिक्षण घेता यावे म्हणून त्या त्या समाजाला महाराजांनी प्रोत्साहन दिले. बहुतेक वसतिगृहांना कायम उत्पन्न मिळावे म्हणून शेती व इतर सोयी करुन दिल्या. महाराजांनीच एका ठिकाणी 'कोल्हापूरचा उल्लेख' वसतिगृहाची जननी असा केला आहे तो रास्तच आहे. या वसतिगृहाचा लाभ घेऊन अनेक विद्यार्थी कोल्हापूरात येऊन शिकले. ही वसतिगृहे नसती तर जे शिकू शकले नसते असे सुशिक्षीत महाराष्ट्रात भरपूर आहे.

            आज घडीला शिक्षणास बंदी घालणारी जुनी परंपरा मोडली गेली. परंतू नवी बंदी शिक्षणाच्या खाजगीकरणाच्या माध्यमातून येत आहे. ज्याला शक्य असेल त्याने, परवडेल त्याने शिकावे, इतरांनी घरी बसावे. अशी परिस्थिती निर्माण झाली आहे.

आगरकरांच्या राजकीय विचारांची पाश्वभूमी

            गोपाळ गणेश आगरकर यांनी आपल्या ३१ वर्षाच्या अत्यंत खडतर अशा आयुष्यात वाणीने, लेखणीने, कृतीने लोकशिक्षणाचे काम केले. आपल्या बाणेदार व स्वतंत्र वागण्याने समाजापुढे आदर्श निर्माण केला, आगरकरांच्या काळातील वैचारिक पार्श्वभुमी विचार केला तर असे लक्षात येईल की इंग्रजांच्या राज्याचे महाराष्ट्रातील समाज जीवनावर दूरगामी परिणाम झाले होते, त्यांनी येथे शिक्षण सुरू केले, रयतवारी व्यवस्था लागू केली. मराठी गद्य वाङ्मयाचा उदय झाला.


बाळशास्त्री जामेकर यांनी १८३२ साली 'दर्पण' नावाचे वर्तमानपत्र सुरू केले. भारतात लोकसत्ताक राज्य स्थापन व्हावे असे त्यांना वाटत होते. भास्कर तर्खडकरांनी, भारतावरचे इंग्रजांचे राज्य वरदान नसुन शाप आहे असे मत मांडले. लोकहितवादी यांनी प्रभाकर' मधील शतपत्रामधून "५०० वर्षांनी भारतात लोकशाही प्रजासत्ताक स्थापन होईल" असे भाकीत केले होते.


१८५० नंतर हळूहळू वैगवेगळ्या विचारांच्या दिशा स्पष्ट होऊ लागल्या. या काळात परमहंस समेची स्थापना झाली. या समेने महत्वाच्या सामाजिक प्रश्नांना वाचा फोडली, त्या काळात महाराष्ट्रात चार विचारप्रवाह अस्तित्वात होते. पहिला प्रवाह प्रार्थनासमाज, प्रा., भांडारकर, रानडे, चंदावरकर इत्यादी नेते प्रार्थना समाजासाठी काम करत होते,सार्वजनिक सभा व सामाजिक परिषद यांच्याद्वारा आपले काम वाढविण्याचा त्यांचा प्रयत्न होता. दुसरा विचारप्रवाह म. जोतीराव फुले यांच्या सत्यशोधक समाजाचा होता. म. फुले यांच्या विचाराचे अधिष्ठान मानवी अधिकारांची प्रतिष्ठा हे होते. फुले निर्मिकवादाचे पुरस्कर्ते होते. भारतातील हिंदू धर्माचे श्रेष्ठत्व सांगणारा तिसरा प्रवाह निर्माण झाला होता. विष्णुबुवा ब्रम्हचारी त्याचे अध्वर्य होते. प्रा जिन्सीवाले, विश्वनाथ नारायण मंडलिक व महाराष्ट्रातील घिऑसकीचे काही पुरस्कर्ते यांचा यात समावेश होता. या काळात सनातनी ब्राम्हण वर्गाल या लोकांच्या विचारांचा मोठा प्रभाव होता.


          या विचार संगराच्या काळात चिपळूणकर, टिळक, आगरकर यांच्या नेतृत्वाखाली चौथा विचारप्रवाह महाराष्ट्रात निर्माण झाला. चिपळूणकरांनी नवी शाळा काढली. केसरी व मराठा ही वर्तमानपत्रे सुरू झाली. विष्णूशास्त्री चिपळूणकर यांचा वयाच्या ३२ व्या वर्षी मृत्यू झाला. त्यावेळी आगरकर-टिळक यांचे वय २५-२६ वर्षांचे होते. टिळक-आगरकरयांच्या चौथ्या पक्षाची वैशिष्ट्ये पुढीलप्रमाणे होती. भारतावरील इंग्रजांचे राज्य हे वरदान नसून शाप आहे म्हणून भारताच्या स्वातंत्र्यासाठी सर्वांनी प्रयत्न केले पाहिजेत.


           तत्वदृष्ट्या प्रगती करायची असेल, तर अज्ञेयवाद आणि विवेकवाद ही तत्वे स्वीकार करणे. त्याग व समर्पणाची भावना ठेवून, गरिबीत राहून तत्वासाठी तुरुंगात जाण्याची तयारी ठेवणे. राजकीय व सामाजिक परिवर्तनाचे काम पुढे नेण्यास वर्तमानपत्रे साहाय्यकारक ठरतील पण ती लोकभाषेत असली पाहिजेत... जागृती, संघर्ष, संघटन आणि चळवळ ही चतुःसूत्री महत्वाची आहे.


याच आधारावर टिळकांनी समाजात प्रचंड असा असंतोष निर्माण केला, पण स्वराज्यवादी आगरकर ते पाहण्यासाठी जिवंत नव्हते. टिळक व आगरकर यांच्या नवविचारामुळे महाराष्ट्रामध्ये सामाजिक व राजकीय चळवळ सुरू झाली. त्यांच्या स्वराज्यवादी स्वातंत्र्य समर्थक व आंदोलनोत्सुक विचारांचा प्रभाव तरुण पिढीवर पडला. टिळकांनी स्वराज्यांची चळवळ तळागाळापर्यंत नेली आणि कर्मयोगी वेदान्ताचा पुरस्कार केला तर आगरकर यांनी सामाजिक परिवर्तनाची दिशा स्पष्ट करुन त्याचा समाजशास्त्रीय दृष्टीकोनातून अभ्यास केला. आज आगरकरांनी प्रतिपादन केलेल्या मार्गानेच स्थूलमानाने देशाची वाटचाल होतांना दिसते.


            आगरकर यांचा जन्म इ.स. १८५६ साली सातारामधील टेंभू या गावी झाला. शिक्षण घेण्यासाठी रत्नागिरीपर्यंत त्यांना पायपीठ करावी लागली. त्यांनी एम. ए. पर्यंत शिक्षण घेतले. ते बुद्धीमान असल्यामुळे त्यांना शिष्यवृत्या मिळत. पण त्यांनी सरकारी नोकरी केली नाही. ते चिपळूणकरांनी सुरू केलेल्या 'न्यू इंग्लीश स्कूल' मध्ये सामील झाले. ते केशरीचे संपादक होते. हे संपादक पद सात वर्ष सांभाळले. त्यांच्या कार्यकाळात 'केसरी'चा खप जवळपास चार हजार झाला होता.


पुढे टिळक व आगरकर यांच्यात वैचारिक वाद होऊन ते वेगळे झाले. टिळकांनी न्यू इंग्लिश स्कूल' आणि फर्ग्युसन कॉलेज यांचा त्याग केला व आगरकरांनी केसरीचे संपादक पद सोडले. आगरकर नंतर फर्ग्युसन महाविद्यालयात प्रोफेसर झाले व नंतर प्राचार्यपद सुद्धा त्यांना मिळाले. आगरकरांना दम्याचा विकार झाला. या काळात त्यांनी विवेकवादाचा व समाजसुधारणांचा सातत्याने पुरस्कार केला. वैचारीक संघर्षात त्यांनी माघार घेतली नाही.


आगरकरांनी केसरीचे संपादक पद सोडल्यानंतर सुधारक नावाचे वर्तमानपत्र काढले. त्यांनी हे वर्तमानपत्र एकहाती चालविले. त्यांचे सर्व लिखाण सुधारकातून प्रकाशित झाले आहे. त्या काळात सुधारकाचा खप चार-साडेचार हजारांच्या जवळपास होता. आगरकरांनी विपुल लेखन केले. त्यांचा स्वभाव पत्रकाराचा व समाज प्रबोधकाचा होता. त्यांच्या साध्या अग्रलेखातही तत्वचिंतनाची व तत्वज्ञानाच्या व्यासंगाची चमक होती.


त्यांच्या वैचारिक जडणघडणीचा विचार केला तर त्यांच्या वैचारिक लिखाणास सामाजिक शास्त्रांच्या अभ्यासाचा खोल असा पाया आहे. हर्बर्ट स्पेन्सरचा विवेकवाद आणि उत्क्रांतीवाद त्यांना भावला व त्यांचे विचारांच्या आधारावर त्यांनी आपले सामाजिक विचार मांडले तसेच वेंचम आणि जे. एस. मिल यांच्या उपयुक्ततावादी तत्वज्ञानाचा त्यांच्या मनावर खोल प्रभाव पडला होता. तसेच त्यांनी ऑगस्ट कॉम्टेच्या विज्ञानवाद विचारांचा त्यांनी अभ्यास केला होता. आगरकरांना कॉम्टेचे विचार मान्य होते तसेच प्रा. सेलपी यांच्या विचारांचा सुद्धा त्यांच्यावर प्रभाव होता. प्रा सेलपी यांचे मत असे होते की, जसजसा आधुनिक विज्ञानाचा व तत्वज्ञानाचा प्रभाव वाढत जातो तसतशी लोकांच्या मनातील धर्मश्रद्धा कमी होईल. यामुळे आगरकर हे विज्ञानवादाचे व इहवादाचे पुरस्कर्ते बनले.


आगरकरांना भारतीय परंपरेतील मागासलेले सामाजिक व राजकीय विचार मान्य नव्हते. वेदप्रामाण्य व ग्रंथप्रामाण्याचा त्यांना तिटकारा होता. त्यामुळे त्यांचे विचार वेगळे व उठून दिसतात. आगरकरांचे असे मत होते की, भारतातील सामाजिक गुलामगिरी, स्त्रीदास्य, अंधश्रद्धा आणि धर्माच्या नावाने सुरू असलेला अनैतिक व्यवहार थांबवायचा असेल तर आपल्याला आधुनिक विचारांचा स्वीकार केल्याशिवाय गत्यंतर नाही.

Public Speaking

          Public speaking is an art, which can be acquired through practice. Some people do have natural gift of it and some people need proper practice to develop this skill. Public speaking is the process of speaking to a group of people in a structured. In it a single person speaks face-to-face to a group of listeners. The purpose of public speaking is to inform, influence, or entertain the listeners. Thus, there are few basic elements of public speaking need to remember such as, to whom addressing, what to say, public response, using whatmedium with whateffects, concentrate on the message-not the medium, turn nervousness into positive energy etc. Public speaking is not simply transmitting information or motivating people to act or simply story telling. It is act of skill and strategies, which has power to change the emotions of their listeners. A good speaker has the ability to motivate, influence, and entertain his listeners.

TYPES OF SPEECHES

 1. Expository speech :-

          In expository speech speaker spoke on given topic, idea or situation. Speaker put his view on given topic very precisely and explains it clearly to the audience. Speaker maintain his sense of connectedness through out the speech. Here we have an example of speech on Climate Change to spread awareness about Climate Change and its effects among people.


Example: Good morning one and all, 

            Today I'm going to speak on climate change at the occasion of environment day. In next few minutes, let me explain how climate changes and it affects the environment.

           The threat of climate change needs to be taken very seriously. And every common man should aware of this. Climate change has become global problem today. The continuous rise in temperature is the cause of climate change. High temperature is directly affecting our health, so it is very harmful for the mankind. Climate change leads to health issues in people, such as asthma, heart problems, cancer, etc. Mostly, these issues are found in children, women and old-age people. The unexpected climate change leads to high heat waves during summers and lesser cold waves during winters. Climate change is also resulting in frequently extreme droughts, floods, landslides and hurricanes, etc. The day by days the increased air and water pollution through various factories are the major contributor of this destruction. Ultra-violet rays and high temperature increase the ground-level ozone, which may result in serious lungs disorder. Observation says that because of the increase in ocean temperatures, sea levels also increased on a global scale and small ice caps and mountain glaciers are melting fast. Due to climate change, the greenhouse gases are increasing, which locks the heat in the atmosphere.

           Climate change has already started to affect the earth in several ways. So, now climate change has become a matter of deep concern. The authorities are trying hard to reduce the air pollution, but the result is not very satisfying. The time has come to take individual responsibility, in order to save our climate. Use public transport as much as possible, save water, don't throw the waste materials or other garbage into the rivers, avoid plastic bags and cloth, use paper bags. Our practice of these methods, can certainly help to save our climate from changing.

2. Argumentative speech :-

          In argumentative speech, speaker spoke either in favour of or against a given topic. His attempt, is to convince the listeners as per his views on chosen topic. Here is an example of argumentative speech in favour of banning smoking in public places. 

Dear friends,

           I'm here to express my views on banning smoking in public places. I believe that smoking should not be allowed in public places, as it leads to health problems for not only the smoker, but also for people close by. And it medically has proved also. So, I strongly stand with ban side.

          During the past few decades it has come to light that smoking kills. Cities across the nation are taking it upon themselves to address the issue of smoking in public place. And there are several reasons to ban public smoking. Firstly, in common places passive smokers make the choice to breathe in another people's smoke. If it is permitted then, non-smokers shouldn't go into places that allowed it. And if it is banned, the smokers will not smoke there to trouble passive smokers. But it become the matter of freedom of choice. The owners of many bars and pubs opposed it, as smokers are the part of their business. Even though there are some strong reasons to ban it. Firstly, a new study by the University of Minnesota shows that smoking bans in eight Minnesota cities did not have any significant impact on employment in those businesses. Second, it has been proven that tobacco consists of carcinogenic compounds which cause serious harm to a person's health Such as cancers of the lungs, Emphysema, mouth and throat and other sides in the body also. Then he may be smokers or passive smokers. It implies that why to passive smokers suffer for it. People's health is more important. So, it clears that it should be made illegal to smoke in public places. Why to play with the health of thousands of people? This is the fact of smoking; therefore, I appeal to all of you to support the ban of public place smoking for the sake of public health.

3. Welcome speech:-

          Welcome speech, is the speech given by student, teacher, princi pal or a host at any organized function to welcome the respectable chief guest. A good welcome speech can be a best way to start the function. If it is in simple and formal way then it rocks the event. There are some things to remember while drafting a welcome speech. Wel come speech need be shortened. It Start by greeting the audience such as, Good morning ladies and gentlemen, It is my pleasure to welcome everyone to our beautiful venue today. End the speech by introducing the next speaker and thanking the audience again for attending. Make sure to establish the right tone, the set time limit, and be clear with your writing purpose. Welcome the function dignitaries followed by order like, Chairperson of event, then chief guest and last another guest. Address the key person by name, so make practice of it properly. And avoid monotonous reading.

          Here, we have a welcome speech for your college's annual valedictory Day function.

Very Good Morning one and all,

          I heartily welcome you all on the behalf of Mahatma Fule Col lege, Nagpur and I am extremely privileged to have the opportunity to address you on the occasion of our college annual valedictory Day function today. It is always an honour to address you people who are the young minds of today and tomorrow's responsible citizens of our beloved nation. So, here I feel privileged to extend my warm welcome to all respected teachers and the dear parents who are constantly extending their support and love to pupils as well as faculty members of this college. 

          This is a highly important occasion for us, as we are going to part from our college's senior students. Their continuous success in the area of education, always makes us inspire. Now we are going to lose the shadows of such senior fellows. On such heart-breaking moment, I heartily welcome the honorable principal professor S.S. Chaudhari who has kindly consented to preside over event. He is man of virtue, who plays the role of lighthouse to us. I extend professor Chaudhari a hearty welcome.              Today we have a Guest of honour, Mr. Ranjit Salunkhe, on behalf of the College, I cordially and respectfully welcome Mr. Ranjit Salunkhe, who is the educationist and philanthropist. His guidance will help out senior students for their better future after the college. I am especially thankful to him for courteously and gladly accepting our invitation and readily agreed to grace the function the Chief Guest today. Sir, I offer you a hearty welcome.

           I would also like to welcome all the parents who have continu ously supported us in our endeavour to spread the light of true knowledge. Finallyand importantly, let me extend a friendly to welcome all the teachers, staffs and students who are the integral part of this college. I request all for your kind co-operation throughout the programme and making it a grand success.

          Thank You!


4. Introduction to the guest speaker:-

           Introduction of the guest speaker is an important element of the speech. It makes Guest familiar to the audience. Here, we have an example of introduction of a guest speaker. 

Very good morning one and all,

           I heartily welcome you all on the behalf of Shivaji Maharaj College, Pune and I am extremely privileged to have the opportunity to address you on the occasion of inaugural function of our college's Science and Technology Club today. This is a highly important occasion for us, as our college is going to open Science and Technical Club in college premise. It's a golden opportunity for the students who wants to make their career in Science and Technology.

          On such price-less function, I heartily welcome the honorable principal professor D. D. Deshmatre who has kindly consented to preside over event. He is man of virtue, who plays the role of light house to us. I extend professor Chaudhari a hearty welcome and very thankful for the Science and Technical Club in our college. 

           The inaugural function of our college Science and Technology club is a very special event for us. So today we have a very special Guest of honour, who made feel proud to our country in the field of supercomputer technology named Mr. Vijay Bhatkar. He is an eminent Indian computer scientist and educationist from Maharashtra. He is hardly need of introduction. His great innovation made him one of the initiators of the electronics revolutionist in India and an acclaimed global leader in computing. Contribution of Bhatkar sir towards our country is uncountable. Such as, He developed PARAM, an India's first supercomputer in 1991. Based on the PARAM series of supercomputers, built the National Param Supercomputing Facility (NPSF). He established several national institutions, such as-C-DAC-Pune, ER and DC, India's largest center of application-oriented research and devel opment in electronics, Thiruvananthapuram and FIT. His efforts and vision made India an IT superpower. He led several innovations of development - such as GIST multilingual technology covering India's 22 official languages with 10 diverse scripts and India's first fully solid - state colour television, distributed control systems for Indian power plants and process industries, traffic control systems, automation of security systems, defense simulators etc.

          His such huge achievements were rewarded by Padma Shree' a very prestigious award of our country. And there is lots of to say about his devotion in computer technology but there is time limit to me. So, I call upon the stage honorable Padma Shree Vijay Bhatkar.

Black Money and The Black Economy


Black money :-
         In short it means, the money which is earned through the wrong way (illegally). We all know that black money is something illegal. To hold it is not ethical. Black money can be produced through two different processes. In first, income is generated from illegal activities such as extortion, trafficking, drugs and corruption. In second, it has been earned in legal activities but on which taxes and other dues are not paid to the government authorities at the central, state or local levels. The main source of Black money is illegal activities. If your income generated from legal activities and you didn't pay tax on it, which then it becomes illegal. This money comes under black money.

        Kinds of black money varies from one society to another. Depending on the extent to which criminal activities are present and the degree to which taxes are evaded.In India, both sets of activities are prevalent to a large extent. Such as- corruption among government and elected officials are widely prevalent. Which causes tax evasion at the central and state levels.And also in the payment of direct and indirect taxes. It is not easy to guess the relative size of the two streams of black money. Nor anybody tried to do so. Money earned from tax saving and buy wealth from this income, are referred to as black money.

        People transform the illegal income in different kinds of assets- that is land, gold, jewellery, benami bank deposits. They hide bank accounts or plain cash from the tax authorities. This earning is called black money. This moneycan be put at home or abroad. I depends on Black money holders convenient. Where it can be best hidden or where it can be put to better use.

The black economy:-

        It is the black money which created black economy. Black economy is also referred to as the 'underground economy, shadow economy or illegal economy. This part of the economy comprises the set of activities which generate black money. In black economy the legal-turned into illegal money flows. And the use of this flows in its illegal activities known as black economy. Black money comes from the black economy, so it is need to remove black money from the economy. Which will destroy the black economy. In other words, to stop generation of black money, we must remove off black economy permanently.


Interchangeability of the black and the white :-

        There is constant flow of money between white and black streams. Let's see the example of a real estate developers. They paid partly in cash for his sales,to save the income tax. Then these unac counted funds use in a variety of way. They may use one part to pay a seller of cement in cash, who too wishes to hide this sale from the tax authorities. This part of the black money then circulates in the black economy. Like cement, same thing happens for the purchase of mate rials, to build a group of flats. With all necessary permissions building get ready. Here, the black money is converted into an asset that is part of the "white' or the legal economy. 

         Now, real estate developers' tax saved money (black money) use to buy gold which is not reported. So, theses second and third parts of the black money of the real estate developers, remain part of the black economy as unaccounted assets. In the meanwhile, the trader of cement may use his cash income to pay his workers cash wags. Which also not written in his books of account. The workers may use their wages to buy groceries, and receive a receipt on which tax is shown as paid. Here, the black money of the traders like cement gets converted, via certain purchases of the workers, into white money. To return to our example, when real estate developers sell a flat to buyer, the price of the flat may cover both the legal expenditure as well as the expenditure incurred illegally.Such as payment made with black money for some of the cement. Here then the black money used in constructions is 'embedded' in the price of the flat. The buyer of the flat may pay for it from tax-paid income. This transaction converts black money used in constructions in a full legal asset.

          Black money can across national borders. Black money generated at home can be taken out of the country and deployed abroad in some asset, or even kept as bank deposits. After a while it could be brought back to India through a 'legal' route like an offshore financial centre and invested as legal money in the domestic economy. This is called the 'round-tripping' of black money.In various transactions, the 'stock' of black money contained in an asset on sale can be converted into a 'flow'. These were earlier entirely through cash while conversions through cash flows continue to be important, new forms are now used. Increasingly, large value conversions of stocks into flows also take place through the financial system through sophisticated manipulation of accounts, and not through cash.


Forms of generation of black money :-

          The 2012 White Paper has useful listing of the many ways in which black money is generated. 

          First one is 'crude' way. In that way back money may be laundered using sophisticated methods, hiding from the law.

          Another is 'manipulation of accounts. These accounts get created to save the tax on income. 

           The ways in which black money is generated use of sophistication is increased. Especially in financial practices that cross national borders.

           The White Paper identifies some 'vulnerable'sectors of generation of black money. These include: (1) land and real estate transactions, (2) bullion and jewelry transactions, (3) financial market transactions, (4) public procurement, (5) the non-profit sector, and (6) the informal sector with its cash economy.

          Now sectors for the generation of black money has changed. In the recent years, real estate, financial market transactions, corruption in public procurement (civil contracts, defense imports) and practices in the non-profit sector (education institutes and Hospitals run by trusts) have become more important for black money generation.

Steve Jobs

    Steve Paul Jobs (1955-2011) was an American entrepreneur and inventor. He was co-founder, chairman and CEO of Apple Inc.He was best known as pioneer in personal computer revolution and consumer electronics fields. He transformed 'one industry after another, from computers and smartphones to music and movies. Jobs also co-founded and served as chief executive of Pixar Animation Studios. When Disney acquired Pixar, in 2006 he became a member of the board of directors of the Walt Disney Company.

      Steve was Adopted by Clara and Paul Jobs. When Steve was five years old, his family moved from San Francisco to Mountain View, in California. Paul was a mechanic and carpenter. He taught Steve how to work with basic electronics. Paul would demonstrate to his son how to take apart and rebuild electronics such as radios and televisions. It rose the Steve interest in and developed a hobby out of technical toying. Clara Jobs was an accountant on pay roll for Varian Associates. It was one of the first high-tech companies. Clara taught Steve to read before going to school. Jobs's youth was riddled with frustration over formal schooling. At Monta Loma Elementary School in Mountain View, he was frequently misbehaved and joked about others. So, school officials punished him by skipping Steve's grade in test.

      Jobs then attended Cupertino Junior High School in Cupertino, California. In hostel he became friend with Bill Fernandez, a neighbour guy, who had a common interest in electronics. Fernandez also intro duced Jobs to Steve Wozniak (also known as 'Woz').

      In 1972, Jobs entered Reed College in Portland, Oregon. Reed was an expensive college that Paul and Clara could hardly afford. They were spending most of their life saving on his son's higher education. Jobs dropped out of college after six months. But his interest in a creative class, made him to stay there for 18 months. So, he continued auditing classes at Reed. For this he slept in friends' hostel dorm rooms on the floor, returned coke bottles for food money, and received weekly free meals at the local Hare Krishna temple. Jobs later said, "If I had never dropped in on that single calligraphy course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts". 

      In the early 1970s, Jobs and Wozniak were drawn to technology like magnet. Wozniak had designed a low-cost digital blue box to generate the necessary tones to manipulate telephone network, allow ing for free long-distance telephone calls. The clandestine sales of the illegal 'blue boxes' went well. And jobs thought electronics could be not only fun but also profitable.Jobs began attending meetings of the Homebrew Computer Club with Wozniak in 1975. He greatly admired Edwin H. Land, the inventor of instant photography and founder of the Polaroid Corporation.

      In 1976, Jobs and Wozniak formed their own business, named *Apple Computer Company'. Firstly, they started off selling circuit boards. In the late 1970s, Apple co-founder Steve Wozniak, engineered one of the first commercially successful lines of personal computers, the Apple II series. Then, Steve created the Apple Lisa and, one year later, the Macintosh. He also played a role in introducing the Laser Writer.

       In 1985, Jobs fived from Apple and founded NeXT, a computer platform development company specialising in the higher-education and business markets. At Stanford University speech in 2005, he said that being fired from Apple was the best thing that could have happened to him: 'The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life'. And he added, 'I'm pretty sure none of this would have happened if I hadn't been fired from Apple. It was awful-tasting medicine, but I guess the patient needed it'.

      The current CEO of Apple, Tim Cook, stated that the most underappreciated thing about Steve was that he had the courage to change his mind'. The NeXT workstation was known for its technical strengths, chief among them its object-oriented software development system. Jobs marketed NeXT products to financial, scientific, and academic community, highlighting its innovative, experimental new technologies, such as the Mach kernel, the digital signal processor chip, and the build-in ethernet port. Tim Berners-Lee invented the World Wide Web on a NeXT computer at CERN.

      In 1986, Jobs acquired the computer graphics division of Lucasfilm. He was credited in 'Toy Story' (1995) as an executive producer. In 1996, after Apple had failed to deliver its operating system it turned to NeXT computer. NeXTSTEP platform became the foundation for the Mac OS X. Finally, Steve returned to Apple company as interim CEO. Jobs brought Apple from near bankruptcy to profitability by 1998. As the new CEO of the company, Jobs oversaw the development of the company. The success of products and services provided several years of stable financial returns. And propelled Apple to become the world's most valuable publicly traded company in 2011.

      Jobs later also involved himself with product design. He is listed as either primary inventor or co-inventor in 346 United States patents. Jobs' contributions to most of his patents were to the look and feel of the product'. His industrial design chief Jonathan Ive's name features in 200 of the patents. Jobs never compromise with quality and work. Jobs sketched new devices in a hospital bed. He also suggested way to revise the design of the oxygen monitor on his finger for simplicity.

       In 2003, Jobs was diagnosed with a neuroendocrine tumour in the pancreas. Though it was initially treated, he reported a hormone imbalance, underwent a liver transplant in 2009, and appeared progres sively thinner as his health declined. On medical leave for most of 2011, Jobs resigned in August that year, and was elected Chairman of the Board. He died of respiratory arrest related to his metastatic tumour on 5 October 2011. 

Ratan Tata

      Ratan Tata (born 1937) is the great-grandson of Jamshedji Tata, the founder of Tata Group. Ratan Tata's father Naval Tata is Adopted by Jamshedji childless younger son, also named Sir Ratanji and his wife Navajbai Tata. At the age of seven Tata's father Naval Tata and mother get separated. Both he and his younger brother Jimmy were raised by their grandmother Lady Navajbai.

       Ratan Tata completed his schooley education from Bombay and Shimla school. When he invited to speak at his alma mater at the Cathedral and John Cannon School, Bombay, he mentioned his regrets that he not recovered from a fear of public speaking. He didn't partici pate in enough activities. It was his big loss. And he also recalled his mathematics teacher. Who felt, Ratan never complete the school.

      After engineering degree, in 1961 Ratan Tata joined Tata Iron and Steel Company Limit (TISCO) Jamshedpur- the flagship com pany of Tata. He spent there six year and learnt both the technical aspect of the company's products and the corporate values of the Tata Group. In 1968, Ratan Tata back to Bombay on a more senior position. He was given the charge of two sick companies - National Radio and Electronics Company Limited (Nelco) and Central India Textile in the Tata group. Very difficultly he managed them and turned around within a few years. This experience gave him a lot of strength. 

     In 1982, for treatment of his mother's cancer, Ratan flew with her to New York. In stay of four month there, he thought on new avenues for Tata Group to branch into, because the once dominant and monopolist group was now facing stiff competition in all spheres of business. Ratan became aware of the consumer revolution. He considered a process called the 1983 Tata Strategic Plan. This was the turning point in 100-year old Tata group legacy. With JRD Tata's support, Ratan diversified group into contemporary industries like telecommunication software, biotechnology etc. He strengthened his control over the near-independent component companies of the Tata group while creating a culture of competitiveness within the organiza tion. Gradually, the tiredness of employees and management changed.

      In 1991, Ratan became the chairman of the Tata group. Which was opposed by the most influential senior executives of the Tata group and the head of the company. They criticized the decision and did not agree with his leadership and plans. However, Ratan remained unwaveringly true to his vision in the face of conflict and opposition. Focusing on innovation and efficiency, he made many changes to stream line and transformed Tata from a large India-focused company into a global business, with 65 percent of its revenue coming from abroad. Under his leadership, Tata tea acquired Tetley, one of the largest tea companies. Tata Steel acquired Corus Group, an Anglo-Dutch steel and aluminium producer. Tata Motors acquired Jaguar and Land Rover two iconic British brands. This gave Tata Group stand in the passenger vehicle segment. 

     Ratan Tata designed India's first indigenous cars - Sierra, Estate and Indica and Tata Nano-a compact affordable car in 2008. Tata Group came in software field such as Tata Consultancy Services. These efforts put Tata at the top of the Indian and international economy. Existing businesses were improved and, despite intense competition, they returned to leadership positions in the market. Earnings increased, and people began to realize that Ratan was also a pioneer in emerging software taking the Tata Group to a global high. 

      Though Ratan got success in his attempt, he faced many challenges from his own senior managers. In the 1990s, his disagreement with the trade union at Telco's Pune plant became ugly and threatened to tarnish the good reputation of the Tata Empire built in a century. But Ratan fought and wonand inherited the legacy of his predecessors. Ratan Tata retired from all the executive responsibilities of the Tata group on December 9, his 75th birthday. As chairman Cyrus Mistry was not proved good, he returned to the interim chairmanship till the current chairman, Natarajan Chandrasekaran. Now Ratan Tata, is the chairman emeritus of Tata Sons. He is also the Chairman of two major Tata Trusts, Sir Dorabji Tata and Allied Trust and Sir Ratan Tata Trust. He is a member of the Prime Minister' Council on Trade and Industry, the Advisory Board of the RAND Centre for Asia Pacific Policy, the program board of the Bill and Melinda Gates Foundation of India AIDS initiative, Cornell University, South Africa's International Investment Council board and the Asia-Pacific Advisory Committee for the New York Stock Exchange, to name a few. he also serves on the Interna tional Advisory Board of multinational companies such as Mitsubishi American International Group and J.P. Morgan Chase.

      Government of India honoured him with the Padma Bhushan and Padma Vibhushan. His performance was recognized by the governments of France, Japan, Singapore, Italy and the United Kingdom with knighthoods and medals. He is the recipient of numer ous honorary degrees awarded by various international universities as quell as the Lifetime Achievement Award from the Rockefeller Foun dation in 2012.

       Ratan Tata, as usual, lives a simple life without the stewardship of his tall man. He repeatedly expressed the need for a level playing field: "My dream is India where every Indian has an equal opportunity to shine on quality. In a country like ours, we must strive to live and move by example, not to gain wealth and prestige. He is known for his views on ethics, high standards and encouraged the youth of the country to be the first Indian to give priority to the country, than state or religious affiliations.

Saturday, January 23, 2021

नाती (Blood Relations)

'नाती' या प्रकारातील उदाहरणे सोडवितांना नाते दिलेल्या व्यक्तीच्या जागी स्वतः समजून इतर नाती आपल्या घरातील नातेवाईकांना मानून उदाहरणे सोडविल्यास उत्तरात अचूकता व वेळेची बचत होतेे.


A. आईचे नातलग माझे कोण ?
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01) आईची बहीण = मावशी

02) आईचा वडील = आजोबा

03) आईचा भाऊ = मामा

04) आईचा दीर = काका

05) आईचा भाचा = मामेभाऊ

06) आईचे सासरे = आजोबा

07) आईचा पुतण्या = चुलत  भाऊ

08) आईचा पती = वडील

09) आईचा भावोजी = काका

10) आईची आई = आजी

11) आईची वहीनी = मामी

12) आईची जाऊ = काकी

13) आईची भाची = मामे बहीण

14) आईची सासू = आजी

15)आईची पुतणी = चुलत बहीण

16)आईची नणंद = आत्या

--------------------------------------------------
नमुना १)ला :- माझी आई तुझ्या वडिलांची बहीण लागते. तर तुझी आई माझी कोण ?
A) आत्या       B) मावशी     C)   मामी     D) काकी
[Nots :-  माझी आई व तुझे वडील बहीण - भाऊ म्हणून तुझी आई  माझ्या आईची वहिनी ही माझी मामी होय.

नमुना 2)रा  --- माधुरीची आई मीनाची आत्या लागते, तर मिनाची आई ही माधुरीच्या आईची कोण ?
A) आत्या      B) बहीण      C) नणंद       D) वहिनी
[Note :- माधुरीची आई मीनाच्या वडिलांची बहीण म्हणून मिनाची आई माधुरीच्या आईची वहिनी (भावजय ) लागेल.]
------------------------------------------------
B. मी माझ्या नातलगांचा कोण ?
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------------------------------------------------
01) मी माझ्या मावस बहिणीचा = मावस भाऊ

02) मी माझ्या आई-वडिलांचा = मुलगा

03) मी माझ्या आजी-आजोबांचा = नातू

04) मी माझ्या काका-काकीचा = पुतण्या

05) मी माझ्या पुतण्याचा = काका

06) मी माझ्या वाहिनीचा = दीर

07) मी माझ्या मुला-मुलीचा = पिता

08) मी माझ्या सासू-सासऱ्यांचा = जावई

09) मी माझ्या मामे भावाचा = आते भाऊ

10) मी माझ्या मेहुणा-मेहुणीचा = भावोजी

11) मी माझ्या आते भावाचा = मामे भाऊ

12) मी माझ्या भाचा-भाचीचा = मामा

13) मी माझ्या पत्नीचा = पती

14) मी माझ्या मावशीचा = भाचा

15) मी माझ्या मामा- मामीचा = भाचा

16) मी माझ्या बहीण-भावाचा = भाऊ
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A】
उदा.1) सुहासची काकू ही उमेशची मामी आहे, तर उमेश सुहास चा कोण ?
१) मामे भाऊ              २) चुलत भाऊ 
३) आते भाऊ            ४) मावस भाऊ

2) जया अजयला म्हणाली, "तुझ्या वडिलांची मेहुणी ही माझ्या वडिलांच्या आईची एकुलती एक सून आहे." तर जया अजयची कोण ?
१) मावस बहीण         २)आते बहीण 
३) मामे बहीण           ४) बहीण

3)एका स्त्रीची ओळख करून देताना दामू अण्णा म्हणाले, "हिची आई, माझ्या सासूची एकुलती एक मुलगी आहे." तर ती स्त्री दामू अण्णाची कोण ?
१)सून                     २) मुलगी  
३)बहीण                 ४) भाची
---------------------------------------------------------------------
उत्तर सूची :- 1 - ३,   2 - १,   3 - २
---------------------------------------------------------------------
नमुना 3 रा :- सुजाताला दोन बहिणी आणि एक भाऊ आहे. भावाचे नाव समीर आहे, तर समीरला बहिणी किती ?
१)2                        २)1 
३)4                        ४)3

[Note :- समीर सुजाताचा भाऊ  आहे. म्हणून सुजाताला धरून एकूण तीन बहिणी.]
--------------------------------------------------
B】
उदा.१) दीपाला सहा बहिणी आहेत. तर तिची  एक बहीण कल्पना ही एक शिक्षक आहे, तर कल्पनाला एकुण किती बहिनी आहेत ?
१)5                      २)6
३)7                      ४)8

२) निखिलला चार काका आहेत; तर मुंबईत राहणाऱ्या त्याच्या बोरीवलीतील काकाला भाऊ किती ?
१)6                      २)5
३)4                      ४)३

३) A ही B ची मुलगी आहे. C ही A ची आत्या आहे. D हा C चा एकुलता एक भाऊ आहे. तर C ही B ची कोण ?
१) नणंद                २) बहीण 
३) जाऊ                ४) भावजय

४) वरील माहिती नुसार D ही व्यक्ती B ची कोण ?
१)भाऊ                 २) पती  
३) दीर                  ४) भाऊजी
---------------------------------------------------------------------
उत्तर सूची :- १)2, २)3, ३)1, ४)2
-------------------------------------------------------

Sunday, January 17, 2021

भारत के ऐतिहासिक एवं दर्शनीय स्थल -1

◆ Madhyapradesh :-
1) Mahakal ka Mandir
2) Bhimbetka Gufa :-
3) Khajuraho Mandir :-
4) Jahaz Mahal :-
5) Tansen ka Manqbara :-
6) Sachi Stup :-
-------------------------------------------------------------------
Maharashtra :-
1) Tower of Silence :-
2) Get Way of India :-
3) Malabar Hill :-
4) Elora ki Gufa :-
5) Ajanta ki  Gufa :-
6) Trimbkeshwar Mandir :-
7) Mahabaleswar Mandir :-
8) Hanging Garden :-
9) Elefanta ki Gufa :-
10) Santa Cruz :-
11) Bibi Ka Maqbara :-
12) Raigad Ka Kilha :-
13) Aga Khan Palace :-
-------------------------------------------------------------------
Delhi :-
1) Lal Kilha :-
2) Lotus Mandir :-
3) India Gate :-
4) Rajghat :-
5) Kutub Minar :-
6) Alae Darwaja :-
7) Jama Masjid :-
8) Jantar-Mantar :-
9) Houjkhas :-
10) Purna Kilha :-
11) Siri Fort :-
12) Trimurti Bhavan :-
13) Dinanath :-
14) Humau ka Maqbara :-
15) Shantivan :-
-------------------------------------------------------------------
Uttar Pradesh :-
1) Agara Ka Kilha :-
2) Mughal City :-
3) Panchmahal :-
4) Taj Mahal :-
5) Imambada :-
6) Vishwanath Mandir :-
7) Akbar Ka Maqbara :-
8) Anand Bhavan :-
9) Nilam Darwaja :-
10) Diwane-E-Khas :-
11) Dhamak Stup :-
12) Etmatudolla :-
-------------------------------------------------------------------
 

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