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Saturday, July 22, 2017

22.07.17 Policy Disruptors in Indian Economy

22.07.17 Policy Disruptors in Indian Economy

The recent policy decisions on demonetization of higher denomination of Indian currencies and implementation of Goods and Services Tax have generated so much heat and debate among the public – both informed and ill-informed. Everyone has become an expert commentator now. That includes me too.

Every government has been taking policy decisions as a matter of routine; however, some of them have disrupted people’s life so much that they were tantamount to life-altering changes.

In the past too, India had faced several policy disruptors that seriously altered the life of the common man. Some of them were:
1. Nehru’s socialistic policies towards industrialization of India through public sector investments, immediately after India’s independence
2. Green Revolution and White Revolution policies during the 1960s & early 1970s
3. Indira Gandhi’s decision to nationalize banks and insurance business during 1969 and after
4. Economic liberalization initiated by P.M. Narasimha Rao and F.M Manmohan Singh during 1991 and after
5. Demonetisation of higher value currencies during November 2016
6. Introduction of GST on 1st July 2017
There may be others too, but I am mentioning only a few major economic policy disruptors.

When every one of these policy disruptors came into effect, there were vociferous criticisms from several quarters and also widespread support from other sections.

Generally, people tend to react overzealously prematurely, not wanting to wait for some time for the policy changes to produce the intended results. As the decision makers in India have always had to take the impact of their decisions on their electoral prospects into account, they had also shown kneejerk reactions to public anger against some of their policy decisions, however well-intended their decisions were. Net result: the policy changes were introduced in half-hearted measures, slow paced, compromised on several counts, and marred by political calculations.

Probably, the people were never properly informed and educated on these policy changes. Probably, the decision makers failed to take the nation along while taking disruptive policy change decisions.

Yet, the fact remains that these policy disruptions have a long term effect; sometimes, it also takes time to fully realize the impact of these policy disruptions on people’s life. For instance, when Sri P. V. Narasimha Rao, the then Prime Minister and Dr. Sri Man Mohan Singh, the then Finance Minister brought in liberalization of economy during the early 1990s, there were widespread criticisms. Very little, people realized that many of these criticisms came from people with vested interests who never wanted to lose their control over things and events that they enjoyed during the license and permit raj. But, some 20-25 years down the line, today, if India is competing with some of the world economic powers in every front, the credit must go to the Rao and Singh combine. People of India, today, enjoys a lot more comforts of life because of economic liberalization. However, it must be admitted that even then, the liberalization was not done with full force as it should have been done because Mr. Rao government didn’t enjoy the support of the law makers and were apprehensive of people support. Of course, they were also under the compulsion to introduce those policy changes to bail out the country.

The same way, the recent disruptors: demonetization of higher value currencies and introduction of GST need to be viewed with the same long term approach. They were far reaching decisions, complicated, and will impact people’s life in different ways – benefitting some and affecting some. Yet, we need to wait for some time for these policy changes to bring about the intended effects. Somehow, I strongly feel that most people tend to rush with criticisms rather than wait. In this, unfortunately, most people tend to be misguided by self-centered politicians, media, and vested interests.

The major disruptors I have mentioned had all brought tremendous good for the nation and the people, in the overall sense, though there were some unintended negative effects too. For example,
1. The country became a strong producer of steel, cement, and electricity due to Nehru’s industrialization policy.
2.  India is now self-sufficient in production of food grains and milk.
3.  Banking and insurance spread to several small villages, benefitting millions of poorer sections of the people due to nationalization of banks and insurance by Indira Gandhi.
4.  Indians got access to several world-class goods and services that also induced positive changes in our standards of production and delivery of goods and services. We became more efficient and quality conscious. Millions of poorer families became affluent. All these happened due to liberalization of economy by Rao and Singh.
5.  The impact of demonetization is still to be fully understood. Only time will tell the positive impacts. The same with introduction of GST too.

So, let us wait for the full impact of demonetization and introduction of GST to take place. Hell is not going to break lose right now. There will be inconveniences everywhere. Vested interests will continue to criticize. Let us not be misled by people with vested interests. 

Friday, July 21, 2017

21.07.17 Check Dams

21.07.17 Check Dams

My motivation to write about check dams emanates from a report titled “Check Dam could address salinity,” I happened to read in today’s The Hindu.  

I have written and published an English novel titled: WHAT, IF OUR DREAMS COME TRUE! AN UNCOMMON MEETING WITH LORD SIVA. The book is about the life experience of an enlightened individual and his struggles and achievements, told in first person. Of course, for the narrator, it was no struggle or achievement – just finishing the agenda for which he came into being.

Here are the 7 of my dreams that eventually found their way into the book:
1.     Preventing flash floods by building check dams across         several small rivers
2.     Protecting the centuries-old assets of the temples from the     exploiters
3.     Eradicating begging, especially child begging
4.     Developing Sports in India as a Movement and make           many youngsters world-class champions
5.     Providing true autonomy to village administration (Gram     Swarajya on the models dreamed about by Gandhiji to         help rural development)
6.     People’s integration through people’s interdependence

The 7th is: For an individual to fight for these dreams he would need to be highly enlightened so that he is fearless, honest, determined, have no self-interest, maintains inner integrity, and loves our nation. Gandhiji was one such person in our recent history. He was also one of the most difficult to understand. That was the kind of narrator of this story in the book.

While preparing for the book, I tried to do some detailed research on all the seven topics.

While searching for ways to prevent flash floods, I came across several articles written by various professionals supporting construction of check dams, vis-à-vis, big water reservoir dams, which serve other purposes like generation of electricity etc. I learnt that check dams were effective in preserving the ground water potential, preventing flash floods, and protecting the flora and fauna of the region; they need less money, can be organized with local indigenous labor, don’t need enormous technological support, and so on. So, I borrowed the idea and built one whole episode, where the hero of the novel went about organizing construction of check dams on the hilly terrains across Tamirabarani River.

In the same way, in another episode, the people of a group of villages decide to construct another check dam in another place with their own personal finances and borrowing from the banks, rather than relying and waiting for the government to decide, plan and construct. Here, the question was: Do the people of a group of villages have the power to decide what development project they need and how they want to go about implementing the project?

Now, the current news report says check dams can present salinity of the water too.

There are 7 episodes in the book, each depicting approximately 7 years of life of the narrator, in 7 different places, along the River Tamirabarani – all abodes of Lord Siva.

The book: WHAT, IF OUR DREAMS COME TRUE! AN UNCOMMON MEETING WITH LORD SIVA is available on, I would recommend this book to every avid reader. Books are great gifts. Please buy one today. Send your comments on the book. Greetings!

Tuesday, July 11, 2017

12.07.17 Ravi Shastri as the Head Coach for the Indian Cricket Team

12.07.17 Ravi Shastri as the Head Coach for the Indian Cricket Team

A ticklish issue has now been resolved. Another possible disaster averted. The BCCI has taken the tacit approval (or was it, a clear prior approval?) from Kohli, the Indian Captain to appoint Ravi Shastri as the Head Coach.

No one can deny the essential need for some constructive cooperation and coordination between the captain of a team and the coach. No one desires to have another Greg Chappel experience in our Cricket, recent shadow duel between Kumble and Kohli behind the screens notwithstanding.

Yet, something doesn’t seem alright.

It is the board who controls the game, has every prerogative to decide on team, coach, and manager selection, the finances, the itinerary, etc. Informal consultations among all stake holders are always useful. Professional management of the game is of utmost necessity. Professional integrity is required in every process from everyone involved.
Still, does the Board need the nod of the captain to appoint a head coach? Why so much dillydallying about the appointment?

The role and objectives of the captain of a team and the role and objectives of a coach are quite different, though there will be a lot of convergence of the objectives. Each one has to discharge his/her duties towards the objectives agreed upon while being selected for the particular role. The Board has every right to demand fulfilment of those expectations agreed upon at the time of appointment from every member of the team and its management.

Now, a serious question has unintentionally crept in. Who is the boss? Is it the Board or the Captain of a team?

This is bad for the game. The Board has set a bad example.

The real issue is: Money. After all, our cricket board is not participating in an Olympic event, where they get only medals and certificates. Cricket is no more the game when players played for the country, and for the passion of the game. They play for the money in it too.

When IPL was first introduced, however much it looked very luring and captivating, the game of cricket had died. Players from different countries have now become thick friends and colleagues, playing for IPL. How would they suddenly shift their allegiance to the national team while playing against another country? They need to have two hats, dropping one and putting on another during different games.

Today, everything is commerce and money. I know I can’t complain.

Now Ravi Shastri has to be extra careful, dealing with Kohli, the captain. He can’t afford to apply sticks when things go wrong and still produce the result expected from him.

But then, who cares, as long as the Board, the player, and commercial advertisers make their money? International players would continue to eagerly look for the auction of players for the next IPL. The money lures, and the money corrupts, and corrupts absolutely.

Saturday, July 08, 2017

“கிள்ளியூரில் பிறந்தது ஒரு கதை” - என்னுடைய புதிய குறு நாவல்


நான் எழுதிய “கிள்ளியூரில் பிறந்தது ஒரு கதை” என்ற குறு நாவல் நேற்று போத்தி.டாட்.காமில் ஈ-புத்தகமாக வெளியிடப்பட்டது. தற்போதைக்கு விலை கிடையாது. இலவசமாக இந்தப் புத்தகத்தை வாங்கிப் படிக்கலாம். படித்து மகிழுங்கள். உங்கள் கருத்துக்களைத் தெரிவிக்கவும்.

Wednesday, July 05, 2017

05.07.17 Internet of Things (IoT)

05.07.17 Internet of Things (IoT)


Ever since I bought a DX2 486 desktop computer in 1996, wilting under the pressure from my children, and later, a laptop in 1998/99, looking back, I now realize that my knowledge of the computers is very little compared to the ocean of the computer world. I have traveled a long way, learning the computer, yet miles to go.

Like many things about science and engineering, the internet and the way it works really baffles me. All along, I have only known the internet of computers (IoC) through the web, until recently, when I read a book: FOURTH INDUSTRIAL REVOLUTION, which taught me the term ‘The Internet of Things’ for the first time. I didn’t understand initially what the Internet of Things really meant; the book gave me some preliminary ideas, kindling my curiosity to learn more about IoT.

When the student is ready, the teacher somehow appears before the student.

A few days back, I chanced upon another book ‘The Internet of Risky Things,’ in the public library, reading which widened my current elementary knowledge of IoT and how it impacts life on earth.

One thing for sure, like the IoC – the Internet of Computers through the web (our broadband internet) - the IoT is going to be another major disruptor in our life. It has the potential not only to impact how we live our life, but also how we work. The "Internet of things" (IoT) is becoming an increasingly growing topic of conversation everywhere.

As the broadband Internet is becoming more widely available, the cost of connecting is diminishing, more devices are being created with Wi-Fi capabilities and sensors built into them, technology costs are coming down, and smartphone penetration is sky-rocketing, a setting for the ‘perfect storm’ is being created for the IoT.

So, What Is The Internet Of Things?

Simply put, this is the concept of basically connecting any device with an ‘on and off’ switch to the Internet (and/or to each other). This includes everything from cellphones, coffee makers, washing machines, headphones, lamps, cars, wearable devices, and almost anything else you can think of.  This also applies to components of machines, for example a jet engine of an airplane or the drill of an oil rig.

The IoT is a giant network of connected "things" (which also includes people).  The relationship under IoT will be between people-people, people-things, and things-things.

The analyst firm Gartner says that by 2020 there will be over 26 billion connected devices. 

How does this impact our life?

Say, for example, you are on your way to a meeting. Your car could have an access to your calendar and had already decided the best route to take. When there is a traffic jam, and you are likely to be delayed for the meeting, your car might automatically notify the other party that you will be late for the meeting. The car will also automatically decide on another route for you to reach the meeting quickly.

It is morning 06.00 am. Your clock rings the alarm bell; simultaneously, it also notifies your coffee maker to start brewing coffee for you and switches on the TV for the morning news channel.

You have a digital patch embedded in the chest of your body. It reads your blood pressure and other parameters constantly and notifies your doctor about your condition on a regular basis, alerts the hospital if your condition worsens, and immediately releases some medication from another tiny capsule implanted in your body.

The concept of Smart City works on the basis of the Internet of Things. Road traffic, garbage collection, accidents notification, managing electric power grids, sudden security threats, or an emergency alert, and so on.

The reality is that the IoT allows for virtually endless opportunities and connections to take place, many of which we can't even think of or fully understand its impact, as of today; it certainly opens the door to a lot of opportunities, but also to many challenges.


Security is a big issue. With billions of devices being connected together, how to ensure that their information stays secure? Will someone be able to hack into your toaster and thereby get access to your entire network? We saw a glimpse of what could happen in a remotely controlled car, in the recent movie ‘I.T’ by Pierce Brosnan.

Then we have the issue of privacy and data sharing.

Another mind boggling issue will be: how to store, track, analyze, and make sense of the vast amounts of data that will be generated by these billions of devices.

Positive impacts of IoT could be:

Increased efficiency in using resources, rising productivity, improved quality of life, environmental impact, lower cost of delivering services, more transparency in using the resources of the nation, safety (planes, food, etc.,), efficiency (logistics), more demand for storage and bandwidth, shift in labor market and skills, creation of new businesses etc.

What its impact would be is unknown in some areas like:

Shift in business models (asset rental vis-à-vis ownership of appliances), massively distributed infrastructure for information technology, automation of knowledge work (analysis, assessment, and diagnosis), higher utilization rate of cars, machines, tools, equipment, infrastructure etc.

One of the serious concerns of IoT is the possibility of a ‘Digital Pearl Harbor,’ to mean, the potential of digital hackers or terrorists paralyzing infrastructure, leading to no food, fuel, and power for weeks together.

Some recent developments

The Ford GT model car has 10 million lines of computer code in it.
The new popular model of VW Golf has 54 computer processing units in it.

According to BMW, 8% of the cars worldwide, or 84 million, were connected to the internet in one way or other.

Insurance companies like Aetna are thinking about how sensors in a carpet could help detect smoke and prevent a potential fire hazard.


Our earth is going to be a world of sensors and connected computers.

While, IoT throws up tremendous possibilities of how our lives are going to be altered, it also throws up terrible challenges of how we are going to keep things under control. 

Friday, June 30, 2017

Elon Musk - Success story

Elon Musk


Elon Musk, born in South Africa in 1971, is a founder and CEO of the much acclaimed Space Exploration or SpaceX company, co-founder and CEO of Tesla Inc, Co-Chairman of OpenAI, and founder and CEO of Neuralink. Earlier, he was the co-founder and chairman of SolarCity, Zip2, XCom. His estimated worth (as of 2017) is USD 15.2 billion. Elon Musk became a multimillionaire in his late 20s when he sold his start-up company, Zip2, to a division of Compaq Computers. Musk made headlines in May 2012, when SpaceX launched a rocket that would send the first commercial vehicle to the International Space Station.  

Early successes

Taking interest in computers from age 10, he taught himself computer programming at age 12. At that very young age he became an entrepreneur by selling the code for a Basic-based video game –Blastar - that he had developed, to a magazine for $500.
After receiving two bachelor degrees in physics and economics, he joined a Ph. D course, only to leave it just after two days, to pursue his entrepreneurial dreams.

In 1995, he and his brother started ZIP2, a software company with a meagre US$2000 they took from their father. They developed an internet based city guide for the newspaper publishing industry and they obtained contracts from New York Times and Chicago Tribune. 
In Feb 1999, Compaq acquired ZIP2 for US $307 million in cash and $34 million in stock options. Elon Musk received US$22 million towards his 7% share in ZIP2.

That was the beginning of a long story of his ventures into Space, Solar Power, Electric Cars, hyperlooping, artificial intelligence, and so on. At every stage, he made a quantum jump into newer and riskier ventures. Here is the remaining story.

Success Stories

In March 1999, Musk co-founded, an online financial services and e-mail payment company, with US$10 million from the sale of Zip2. One year later, the company merged with Confinity, which had a money transfer service called PayPal. The merged company became Pal in 2001.  In October 2002, PayPal was acquired by eBay for US$1.5 billion in stock, of which Musk received US$165 million towards his 11.7% share in PayPal.

In 2001, Musk conceptualized "Mars Oasis"; a project to land a miniature experimental greenhouse on Mars, in an attempt to recapture public attention and interest in space exploration.
After two failed visits to Russia in 2001 and 2002 to procure Inter Continental Ballistic Missiles that could send payloads into space, he realized that it would be far more economical to start a company to build affordable rockets than to buy ICBMs from the market.

In May 2002, Musk founded Space Exploration Technologies or SpaceX, investing US$100 million of his early fortune -  with the long-term goal of creating a "true spacefaring civilization." SpaceX develops and manufactures space launch vehicles with a focus on advancing the state of rocket technology.

In a period seven years time, SpaceX designed the family of Falcon launch vehicles and the Dragon multipurpose spacecraft.
In September 2008, SpaceX's Falcon 1 rocket became the first privately funded liquid-fueled vehicle to put a satellite into Earth orbit.

During 2006, SpaceX was awarded a contract from NASA to continue the development and test of the SpaceX Falcon 9 launch vehicle and Dragon spacecraft in order to transport cargo to the International Space Station. This was followed by a US$1.6 billion NASA contract on December 23, 2008, for 12 flights of its Falcon 9 rocket and Dragon spacecraft to the Space Station, replacing the US Space Shuttle after it retired in 2011.

On May 25, 2012, the SpaceX stunned the world by berthing its Dragon vehicle on the International Space Station (ISS), making history as the first commercial company to launch and berth a vehicle to the ISS.

SpaceX is also one of the two companies awarded a contract by NASA, intended to develop capability to transport a US astronaut by 2018.

On 22 December 2015, SpaceX successfully landed the first stage of its Falcon rocket back at the launch pad, demonstrating the possibility of reusing rockets and thus lowering cost of space exploration. This first stage recovery was replicated several times in 2016.

SpaceX is both the largest private producer of rocket engines in the world, and holder of the record for highest thrust-to-weight ratio for a rocket engine.  

Musk believes  that multiplanetary life may serve as a hedge against threats to the survival of the human species.

Musk's goal is to reduce the cost of human spaceflight and  to send humans to Mars' surface within 10–20 years. His vision is to  establish a Mars colony by 2040, with a population of 80,000. Musk stated that, since Mars' atmosphere lacks oxygen, all transportation would have to be electric (electric cars, electric trains, Hyperloop, electric aircraft). This thought, probably, motivated him to invest in Tesla electric cars.


Tesla, Inc. (originally Tesla Motors) was incorporated in July 2003 by Martin Eberhard and Marc Tarpenning. Musk’s substantial investments in Tesla made him its chairman, and he took an active role in the design of Roadster electric car.

Following the financial crisis in 2008, Musk assumed leadership of the company as CEO and product architect. He still holds those positions.

Tesla Motors first built an electric sports car, the Tesla Roadster in 2008, with sales of about 2,500 vehicles to 31 countries. Tesla products now include  its four-door Model S sedan, Model X SUV, and electric powertrain systems to Daimler  and Toyota, who eventually became long term investors in Tesla.

Musk believed in building a compact Tesla model that would cost less than US$30,000l, and building and selling electric vehicle powertrain components so that other automakers can produce electric vehicles at affordable prices without having to develop the products in-house.  

It is reported that his annual salary is just one dollar, and like Steve Jobs of Apple and a few others, the remainder of his compensation is in the form of stock and performance-based bonuses, which signifies his confidence in his investment ideas.


Musk provided the initial concept and financial capital for SolarCity, which was then co-founded in 2006 by his cousins Lyndon and Peter Rive. SolarCity is now the second largest provider of solar power systems in the United States. The underlying motivation for funding both SolarCity and Tesla is to help combat global warming.


On August 12, 2013, Musk unveiled a concept for a high-speed transportation system that involved pressurized capsules riding on an air cushion through reduced-pressure tubes. This system is envisaged to be used between the Greater Los Angeles Area and the San Francisco Bay Area.

Musk assigned a dozen of his engineers from Tesla and SpaceX to his hyperloop project, and they worked for nine months, establishing the conceptual foundations and creating the designs for the transportation system, that would reduce transportation costs between cities substantially.

In June 2015, Musk announced a design competition for students and others to build Hyperloop pods to operate on a SpaceX-sponsored mile-long track in a 2015–2017 Hyperloop pod competition. It appears that the competition is reaching its final stages, and we must be proud that an Indian team has also been short-listed as finalists. (


In December 2015, Elon Musk announced the creation of OpenAI, a not-for-profit artificial intelligence (AI) research company. 

OpenAI aims to develop artificial general intelligence in a way that is safe and beneficial to humanity and make it available to everyone without a profit motive.

The Boring Company

On December 17, 2016, while stuck in traffic, the idea of boring a tunnel to remove traffic jam struck Musk. He formed 'The Boring Company', which began digging its first tunnel, a 30-foot-wide, 50-foot-long, and 15-foot-deep "test trench" on the premises of Space X's offices in Los Angeles in February 2017.


In 2016, Musk co-founded Neuralink, a neurotechnology startup company, to integrate the human brain with artificial intelligence. The idea was centered on creating devices that can be implanted in the human brain, with the eventual purpose of helping human beings merge with software and keep pace with advancements in artificial intelligence.

At the same time, Musk has frequently spoken out about the potential dangers of artificial intelligence, declaring it "the most serious threat to the survival of the human race". Musk had once remarked "There have been movies about this, you know, like Terminator – there are some scary outcomes. And we should try to make sure the outcomes are good, not bad."

However, there is no dearth of criticisms against Musk. Many are still his critics and skeptics. Criticism and skepticism seem to be part of one’s path to success. 

(I thank the following websites for the very interesting information on Elon Musk:

30.06.17: Personal Diary: Risk Taking – Story of Elon Musk

29.06.17: Risk Taking – Story of Elon Musk

‘Risk Taking’ is defined as the act or fact of doing something that involves danger or risk in order to achieve a goal. So, it is about taking a risk to achieve a goal, not just for the thrill of it - which might fall under adventure. Risk taking doesn’t necessarily mean doing things haphazardly, without applying one’s mind.

Generally, most people are averse to taking risks primarily because of fear; fear of losing something valuable, fear of the unknown, fear of failure, etc. It can also be due to our wanting the mental comfort of guarantee of the results or security. Or, for lack of self-confidence and inappropriate perception about one’s capabilities.

However, history has proved time and again that the successful people had always taken risks towards what they wanted to achieve in their life. They have learnt lessons from their failures. Also, for most people, success doesn’t just fall on one’s laps; they have to go for it – which might involve risks.

Some of the consequences of not taking risks are:
·         Unforeseen missed opportunities
·         We would never be able to overcome our sense of fear – whatever that be
·         Compromising on what one could want or what one could have achieved
·         Losing an opportunity to learn from our actions
·         Loss of self-confidence

I have marveled at some of the successful personalities for their ability to take risks. Of course, theirs were calculated risks, weighing the risk-reward relationship. To gain something, one also has to forego something. No pain – no gain.   That is why, whenever I come across information about such personalities, I make it a point to learn more about them and write about them. Knowing about them becomes my inspiration too.

In retrospect, I wondered whether I was a risk taker. Of course, yes. I took several small, but significant, risky decisions. I have gambled about the choices before me several times, and every time, they became life-changing decisions. To name only a few…

I ventured into my post graduation studies with just five hundred rupees in my bank account, not even speculating what I would do for the second month’s hostel expenses.

I ventured to forego my passion for science and became a banker, an area totally alien to me.

I agreed willingly to every workplace transfer between north and south of India and worked with people of different languages, cultures, and attitude. Calculated risk-taking used to be a part of my work culture. I had made mistakes and learnt valuable lessons from them.

I consciously gave up a lucrative banking career in search of opportunities in the wilderness of private sector, and then, consciously chose to work in an environment which offered no guaranteed regular income, that too, in a foreign land.

Having lived in many big and metropolitan cities and having been used to the best of comforts of life, I chose to live in a village environment for my retired days.

Every time, there was a hard choice to make.


Coming back to successful personalities, earlier I wrote about Richard Branson, his commercial ventures, philosophies, and successes. Here is another story I liked, about Elon Musk, known for his ventures into space exploration and developing solar power systems and electric cars. He is ranked 21st in the Forbes list of the World’s Most Powerful People.

Read on about Elon Musk, in the next part….

Tuesday, June 27, 2017

27.06.17 இந்த வார நாட்குறிப்பு: ஜி.எஸ்.டி பற்றி

27.06.17 இந்த வார நாட்குறிப்பு: ஜி.எஸ்.டி பற்றி

ஜூலை 1 முதல் ஜி.எஸ்.டி அமுலுக்கு வருவது நிச்சயம் என்றாகிவிட்ட நிலையில் பாமரத்தனமான ஒரு சில கேள்விகளுக்குப் பதில் கிடைக்குமா?
          1.     இனி எல்லா மருத்துவர்களும், மருத்துவ மனைகளும் வாங்குகிற கட்டணத்துக்கு உண்மையான ரசீது கொடுப்பார்களா?
          2 .   பல பள்ளிகள், கல்லூரிகள் மாணவர்களிடம் பல விதங்களில் கட்டணங்கள் வசூலிப்பது நின்று விடுமா அல்லது வசூலிக்கும் கட்டணங்களுக்கு ரசீது கொடுக்கப்படுமா?
          3.     இனி, காலி நிலங்களையோ அல்லது வீடுகளையோ விற்கும் பொழுதும் வாங்கும் பொழுதும் பரிமாற்றமாகும் முழுப் பணமும் பத்திரங்களில் குறிப்பிடப்படுமா அல்லது முன்னம் போல் 60% ரொக்கமாக பணம், 40% வங்கி காசோலையாக பெறப்படுமா? 60% கணக்கில் வராது.
          4.     பெரிய பலசரக்குக் கடைகளில் இன்னமும் ஒரு அழுக்குத் தாளில் வாங்கிய பொருளுக்கு கையெழுத்து புரியாதமாதிரி ஒரு பில் கொடுத்து வருகிறார்களே, இது தொடருமா?
          5.     பல ஹோட்டல்களில், விடுதிகளில் ரொக்கப் பணமாகவே கொடுப்பதற்கு வற்புறுத்துவதை நிறுத்தி விடுவார்களா?
அடிப்படையில் எந்த விதத்தில் ஜி.எஸ்.டி கறுப்புப் பணம் புழல்வதைத் தடுக்கும் என்று புரியவில்லை.

விஷயம் அறிந்தவர்கள் விளக்குவார்களா?