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Did Raghuram Rajan know about the demonetization scheme of Narendra Modi?
The following persons only were aware of the plan.1. PM Narendra Modi2. Finance Minister Arun Jaitley3. RBI Ex-Governor Raghuram Rajan4. RBI Governor Urijit Patel5. Secretary of Economic Affairs Shaktikanta Das6. Secretary of Investments & Currency Dr. Saurabh Garg7. and a few others in finance ministry.Because the plan was finalized six months back and Mr. Rajan left office on 4th September 2016 only. So such a decision can’t be carried out without the approval of RBI Governor.The detailed execution went something like this.Before Six Months- Plan was finalized and execution for the D-Day started.June - Banks were directed to dispense more 100 rupee note by RBI.Before three Months- Design of new 500 & 2000 rupee note was finalized and went for printing at Mysuru Mint press.PS: Only the design of the plate was finalized. The printing didn't start that time as Mr. Rajan denied continuing for next term and new governor was declared.The printing facility at Bharatiya Reserve Bank Note Mudran Private Ltd. (BRBNMPL) in Mysuru under Reserve Bank of India was set up with the De La Rue Giori, now KBA Giori, Switzerland.20 August - Mr. Urjit Patel was declared as new governor.4 September - Mr. Urjit Patel joined office as new governor and gave a green signal to Modi for demonetization after a thorough discussion. He sent his signature sample in English and Hindi to be added to newly designed 2000 currency plate.5–6 September - Signature was added to the plate and new dye was made. Printing of currency started.27 October - The central bank put out a warning about fake currencies on its website. It asked banks to put entire banking areas under CCTV surveillance and ensure that cash receipts in the denominations of Rs 100 and above are not put into re-circulation without the notes being machine-processed for authenticity.The CCTV surveillance is now being used to monitor and record all the money exchanges that are taking place at banks.2 November - Banks were directed again to dispense more Rs 100 notes through ATMs within the next fortnight.7 November - The Heads of currency management divisions in all banks received a confidential communication from the Reserve Bank of India (RBI) to be present at the headquarters.8 November Morning- They were given charge of a double-locked currency chest, which they were told contained currency notes of the new denomination: Rs.2,000.Though it also had the RS 500 new notes, but it wasn’t disclosed.8 November 7 PM- All MDs of banks were called for a meeting at RBI and were kept waited till 8PM. At PMO, all cabinet ministers were called for a meeting, but no one was allowed to carry mobile.Privacy was of top most priority. Even leak of the news by a few minutes could have caused disaster.8 November 8 PM- Disclosure of demonetization by PM on National TV.The entire nation came to know about it at the exact same time.A master stroke that left the nation spellbound !But the question to ponder is - Did Mr. Rajan leave the office, because he wasn’t in full support of the plan ?Here is what he had to say on demonetization in 2014: Ref“I am not quite sure if what you meant is demonetise the old notes and introduce new notes instead. In the past demonetization has been thought off as a way of getting black money out of circulation. Because people then have to come and say "how do I have this ten crores in cash sitting in my safe" and they have to explain where they got the money from. It is often cited as a solution. Unfortunately, my sense is the clever find ways around it.They find ways to divide up their hoard in to many smaller pieces. You do find that people who haven't thought of a way to convert black to white, throw it into the Hundi in some temples. I think there are ways around demonetization. It is not that easy to flush out the black money. Of course, a fair amount may be in the form of gold, therefore even harder to catch. I would focus more on the incentives to generate and retain black money. A lot of the incentives are on taxes.My sense is the current tax rate in this country is for the most part reasonable. We have a reasonable tax regime, for example, the maximum tax rate on high-incomes is 33%, in the US it is already 39% plus State taxes, etc., it takes it to near 50. We are actually lower than many industrial countries. Given that, there is no reason why everybody who should pay taxes is not paying taxes. I would focus more on tracking data and better tax administration to get at where money is not being declared. I think it is very hard in this modern economy to hide your money that easily.”Source - LivemintHuffingtonpostBusiness StandardEdit1: The new 2000 currency note was initially printed at Mysuru Mint. Thank you User-12623941048551877892 for pointing this out. ReferenceEdit2: Those who are cursing the government for demand supply mismatch of notes should read below possible reasons.a) Had Mr. Rajan had continued as governor, the scenario could have been different. More 2000 notes could have been printed due to availability of time.b) Only one printing press (Mysuru) was used to print the new notes initially. So it limited the printing capability and increased the distribution duration to all banks across the country.c) Only availability of 100 rupee notes decreased ATM's capability in terms of value.d) Change in dimensions of the currency note increased ATM up-gradation time both in terms of software and hardware.e) The no of ATMs for withdrawal got reduced as CDMs couldn't be used for withdrawal. Otherwise people would get same old currency deposited by some other person.Details on SPMCILThank you everyone for the Upvotes. This is not so a customary ‘thank you’ note, but it means a lot to me in keep going. This was my 2nd answer on Quora and 1st answer to receive 1000+ Upvotes that too within two days. :)PS: I’m politically neutral and don’t have any strong support for any of the political parties. But whenever I come across some exceptional steps by them( may be by BJP or Congress or AAP), I criticize or appreciate. The scenario is not ideal always and as per a report 61% of all projects fail to succeed (delivered on time, on budget, and with required features and functions) 43% are challenged (late, over budget, and/or with fewer than the required features and functions) 18% fail (either cancelled prior to completion or delivered and never used). So let’s appreciate this man for the huge step taken.
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What are the benefits of living in Mexico, I'm a British national looking to emigrate?
The primary benefits of living in Mexico are an increased quality of life at a signNowly lower cost.Quality of lifeFirst and foremost, there is the weather. Most of Mexico is in the tropics and so never gets really cold. However, a lot of the interior part of Mexico is at a signNowly high elevation. The combination of tropical latitude and elevation gives places like Mexico City and Guadalajara an eternal spring. Using Guadalajara as an example, the average daily high temperature in May (hottest month) is 30 C while in January (coldest month) it is 25 C.Then there is the food. Mexico truly does have some of the best tasting food in the world. Furthermore, a huge amount of the produce you find in the grocery stores is grown in Mexico and shipped less than 400 km. That means it arrives very fresh.Finally, the people. Mexican people are some of the most polite, kind and generous people you could ever meet. You will likely make a lot of friends very quickly once you get here. And you can expect, for the most part, a more relaxed and less hurried pace of life.Cost of livingMexico is a large and diverse country and the cost of living varies a great deal from one area to another. The coastal resort areas and major cities (Mexico City, Guadalajara and Monterrey) are the most expensive; followed by such expat enclaves as Ajijic and San Luis Potosi.The place I live, Colima, is possibly one of the less expensive places. It is about 50 km or so from the nearest beach and is not a well known place for foreigners to either visit or relocate. But, I can give you some basic price examples from first hand knowledge.A decent house, say around 85 m2 with two bedrooms and a small kitchen and separate living and dining areas will rent for $3,500 to $4,500 (MXN) per month. In US dollar terms that is around $200 - $250. Of course, you can rent something bigger and nicer and a more upscale neighborhood. That might cost anywhere from $8,000 to $12,000 MXN per month.If you choose to purchase a house, you can find something decent for as little as $800,000 MXN. However, if you want a really nice house in a more upscale neighborhood, expect to pay $2.5 to $4 million MXN.As for other expenses related to housing, I live in a house that is a bit over 200 m2 in size. Electricity costs about $500 MXN per month, gas about $300 and water, sewer garbage pickup about $300. Our landline phone plus internet (unlimited in data amount with a speed of 10 MB down and 2 MB up) is about $350. My annual property taxes are somewhere around $6,000.Dining out, for my wife and I, can range from as low as $150 for very casual to over $1,000 for a really nice meal with multiple beverages at a high end steakhouse. At the grocery store, our typical weekly cost is around $1,300 but that usually includes wine and whisky.All told, you can live quite comfortably in Mexico for about $1,000 USD per month, including rent. For $1,500 a month, if you owned your own home, you could live very well indeed.
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How is Costco able to not only compete against Amazon but also thrive? What does Costco have that Amazon doesn't?
Costco has one thing that almost no other large retailer has: unassailable trust.Costco’s buyers — the people behind the scenes who source products and negotiate with suppliers — are amazing. They do a fantastic job seeking out the highest-quality products and offering them at the lowest-possible prices. This creates an incredible experience of value for Costco’s members.As a member, I can walk the aisles of Costco and gladly make an impulse purchase of any item on the shelf and know that it will be an excellent buy. I don’t need to have 6 different brands of pasta or 36 different alarm clo...
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With the recent US missile strike on a Syrian air base, why did the military leave the runways intact so that aircraft could use
Alright, I’m going to leave out the political implications and conspiracies.The latest Block IV Tomahawk TLAM-E carries with it a single 1,000lbs warhead.[1] Now this sounds like a lot but to damage a runway you need to bury the bomb deep under the surface before it detonates. The Tomahawks carried by the Ross and Porter were likely TLAM-E. Tomahawk (missile) variants.These terrain following (nap of the Earth) missiles make it hard for a ground based radar to pick its signature, increasing its chance of success while sparing the need to put pilots in danger.[2]The TLAM-D is the version carrying bomblets which can cause the runway to shut for a longer time than a single Durandal bomb. Yes, it takes more time to patch a hundred holes than one big one.But read this,But who decides who shoots a TLAM, where it goes, and which variant to use? The Tomahawk strike coordinator (TSC) at the fleet level is that person, usually a mid-level Navy officer. The TSC usually presents the flag officer in charge of the fleet with one or more options for the strike plan.TSCs have a lot on their plates, and they must consider many variables. Distance, target composition, and more all play into the decisionmaking process. The Navy, contrary to popular belief, is all about efficiency and wouldn’t want to waste a more advanced, bells-and-whistles TLAM on something that a baseline variant could handle. Nor does the service generally use up all missiles on a vessel that just arrived in theater if there’s a soon-departing ship or sub full of TLAMs.Source: Here’s How The Navy’s Tomahawk Missiles Are Supposed To WorkIt implies that if they wanted to crater the runway, they could have used the correct one.However, we do not know if the Ross and Porter had set sail for Cyprus station with any TLAM-D onboard. It may not have been allocated to either ship. This might explain why using several expensive TLAM-Es to crater the runway wasn't going to be worth it.Cement is cheap, and patching a small runway like this is rather quick. A larger runway made to accommodate much bigger planes like the A-380 requires special repair work that will take a much longer time. In contrast, military jets are often very much lighter and won’t immediately cause depressions on newly repaired surfaces.Read this to understand why cratered runways won’t matter for an established air force. How long does it take to repair a runway after a cruise missile or bomb strike?If the US had wanted to crater the runway, a single F-22 with a JSOW can do the job.[3] There are political considerations as well as threat assessment behind the decisions to not use that.Related: Igor Markov's answer to How effective was the strike on Syrian airfield (04/06/17)?The US Navy also has the land attack cruise missile variant of the AGM-84 Harpoon which has a smaller profile than the Tomahawk. Below: AGM-84H/K SLAM-EROn a side note, I want to mention that the cruise missiles strike was anything but impulsive. It was a decision, deliberated.The Tomahawk strike in Syria was likely planned months ago. You need time to move the necessary assets (destroyers) as well as gather intel and movement on the airbase over a period of time to do target, asset, and threat analysis. i.e. ELINT, SIGINT, HUMINT, GEOINT (satellite) etc. [4]The warships on station rotate in and out of the area. Surface task groups (whatever they are now called) have to rotate because the sailors need to go home to see their family, and the ships need downtime too.Moving of assets isn’t as simple because if you need to move a bunch of ships into the area, you must first establish supply lines for your warships (fuel, food ammo) and have submarines to scan the waters for hostile contacts (pretty big area for slow moving subs) before it is decidedly safe to take your destroyers there. Every time you need to move assets into an area, the area must first be reasonably secured.Military planning and operations setup often take place long before any action. The completed operations plan finally presents itself as an option (or course of action) for the leadership to choose from, amongst many other course of actions available.From the list of course of actions, Trump can pick A, B, C, or D. But behind every one of those decisions were hours, weeks, and months of tireless planning before it sat on the President’s desk.Decision, deliberated.Footnotes[1] Tomahawk Cruise Missile[2] Tomahawk Cruise Missile[3] AGM-154 Joint Standoff Weapon - Wikipedia[4] List of intelligence gathering disciplines - Wikipedia
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What does GST mean to a daily wage worker?
GST meaning Goods and Service Tax is touted as the biggest tax reform of independent India. Before GST, the Central and the State Government levied separate taxes like service tax, VAT, etc. The introduction of Goods and Service Tax took all the existing tax forms into a single unified tax regime. It replaced 17 indirect taxes like excise duty, sales tax, VAT, service tax, etc. Presently, only two products are exempted from the GST purview, namely Alcohol and Petroleum.GST for a laymanFor the common taxpayer, GST meaning is “One Nation One Tax.” Under this new tax structure, if your business turnover exceeds Rs. 20 Lakh annually, you have to register your business under GST. However, there are exemptions for states like Jammu & Kashmir, Himachal Pradesh, etc. whose limit has been capped at Rs. 10 Lakh.Additionally, if you're engaged in multiple lines of businesses – then multiple GST registrations would be required. After the GST registration procedure, you’ll be handed over a unique GST number.Register for GSTThe registration procedure of GST is kept simple even for a layman. Here's how you can register yourself in two stages –Log on the official registration portal of GST.Choose the ‘Services' tab from the menu and select the ‘Registration' option.Select the status as ‘GST practitioner’ in the new page.Fill up the mandatory details and proceed.You’ll be taken to a verification page where you’ll receive an OTP via your mobile number.After successful verification, you'll be handed a provisional GST identification number.Now starts the second stage:Enter the temporary GSTIN to login again to the official portal.Select the required details and proceed.Put in your bank account details and upload the required documents.Complete the e-signature process and submit.Once done, you'll receive an acknowledgement through your registered mobile number. For a layman like a wage worker, this is all that you must know about GST.
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What is business model for e commerce?
Business - to - Business (B2B)Website following B2B business model sells its product to an intermediate buyer who then sells the product to the final customer. As an example, a wholesaler places an order from a company's website and after receiving the consignment, sells the end product to final customer who comes to buy the product at wholesaler's retail outlet.Business - to - Consumer(B2C)Website following B2C business model sells its product directly to a customer. A customer can view products shown on the website of business organization. The customer can choose a product and order the ...
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What is something interesting you learned in the past week?
I read somewhere on quora last week that if we perform a task for 21 days in a row daily, then that becomes an habit and we would do that involuntarily. I was skeptical about the theory and did some research online. I found that not many people believed in the 21 day theory and there were enough proof to suggest that more effort was required for forming a lifelong habit.I anyhow decided to try it. I decided to get up at 7 in the morning. For me, it was one of the most difficult thing as I am not a morning person and I am used to getting up late (sometimes at 9 or 10). I have since been getting up at 7 for a week and today I was surprised that I got up 5 minutes before the alarm rang.I also listed down some habits which I have been following since some years now. I found that some of them like watching random shows on TV and going through facebook feed was getting tiresome and was no longer enjoyable. These were habits which I had started somehow and it had become involuntary to the extent that as soon I came back home from office, I immediately switched on the TV or went online. These habits were no longer useful nor enjoyable. So, I have desisted myself from these habits during the week. It was difficult to fight the temptation to take the remote into hand but I have found some alternate activity to do in my leisure time. I have started reading on my favorite topics - psychology and philosophy. I have had more time to sleep and exercise after removing the time-wasting habits from my daily routine.During this process, I have found that small habits which we form over a period of time affect our lives to a large extent and a small change in our daily routine can make our lives more satisfying. Whether the 21 day habit theory is true or not, I now feel happy that during the last week, I have learnt the importance of good habits and have changed my habits for the better.
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How do companies use UiPath Studio for Robotic Process automation?
Robotic Process Automation or RPA is a presentation layer automation software technology to automate manually performed workflow tasks that are rule-based, repeatable, time-consuming and of high volume in nature. RPA is automation of human interactions with computerized processes hence reducing the time taken to complete the processes, increasing the productivity and reducing the costs. Due to these features, RPA finds its applications in a wide variety of industries.If you wish to learn further about RPA, I suggest you go through this interesting video on What is RPA?UiPath is one of the leading RPA tools in the market right now. According to the trends and research, it is one of the leading technologies with respect to offerings and strategy. This is the reason why UiPath is in high demand in the industry.Now let’s have a look at some of the industries where UiPath RPA tool can be used for Automation and how-Accounting: UiPath can be used in general accounting, transactional accounting, reporting and budgeting purposesSupply Chain Management: UiPath can be used in supply chain management for automation of order processing, procurement, inventory management, invoice processing and shipment trackingHuman Resource Administration: UiPath can be implemented in Human Resource processes of onboarding and offboarding, timesheet management and updating employee detailsFinancial Services: Automation in financial services using UiPath RPA involves the automation of account opening and closing, claims processing, foreign exchange payments and managing audit requestsCustomer Services: Customer experience can be enhanced by implementing UiPath RPA techniques for automation of contact center tasks such as uploading scanned documents, verifying e-signatures, verification for automatic approval and rejection and so onHealthcare: UiPath can be used in healthcare for automating handling of patient records, claims, accounts, payments, reporting and analysisYou can go through these interesting articles if you want to learn more about UiPath or RPA in general:What is RPA? | Learn to Automate Tasks in RPA | Introduction to UiPathHope this helps,Happy Learning!
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