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~ Every thought from earthly to unearthly

Business to the Buddha

Search results for: interdependence

Interdependence and insurance

15 Monday Aug 2016

Posted by KRD Pravin in Buddha, Business, Business to Buddha

≈ 3 Comments

Tags

Arthasastra, crowd funding, healthcare, insurance, interdependent co-arising, Kautilya, Ketto Milaap, pooling of resources, The Buddha, Watsi

As it had been for last 10 years, this February also, I abhorred writing a fat cheque to my insurance company. I hated the agent who had sold me those policies and almost made a fool out of me. Yes I always felt that he duped / robbed me by selling these policies and just for the sake of saving taxes I had to pay so much as premium. I never wanted to learn from my MBA class of financial accounting on managing risks.

Social SupportNot just that, I have received N number of calls from so called WHO, which asks for funding heart, eye, kidney etc surgery of a baby boy or a girl. These calls have always been met with a cold no, or suggesting that I have assisted in other such causes or “I am a DND registered customer why are you calling me?” These calls sound spurious so there are interesting crowd funding support system such as – Watsi, Ketto Milaap etc.

Recently, one of my family member had to be admitted to hospital and undergo a surgery. Thankfully, this person was covered under insurance. I realized the value of insurance. I revisited the concepts of insurance. Insurance is distribution and transfer of risk. In our case, we had been paying premium for last couple of years (during this time it looks as if the amount is gone in vain). Eventually, we needed this risk manager to take charge.

What insurance companies do is pooling and redistributing of risks. It sounds very weird. What pooling of risk means is going to many people covering them under insurance at a premium by charging some money. This premium amount is invested in different investment instruments. Whenever someone amoungst the insured faces the risk (under which the insured is covered), insurance company pays the amount as per their terms – this is called as redistribution.

I am healthy, so for me it is a “cost” I know I wont fall sick and I am also sure that I wont die sooner, so why pay this premium and get covered for something that is not going to happen to me? This is the point young people ask themselves. But you never know when you need such assistance. There are circumstances when you may need such help. I drive safe, what is the guarantee the other person wont jump signal and bang my vehicle?

I am not trying to sell any insurance. I am here to explain a very interesting concept that we all do support each other when we buy an insurance. If I do not and would not need that money, I am sure someone else in the pool is going to be benefited by the money which I have helped create – interdependence!

This concept of interdependence is not new to me or to Indian philosophical system. The Buddha talked about it as one of the lessons – Interdependent co-arising. In fact when I was reading about insurance I came across this (source Insurance Regulatory Development Authority India) –

In India, insurance has a deep-rooted history. It finds mention in the writings of Manu (Manusmrithi), Yagnavalkya (Dharmasastra) and Kautilya (Arthasastra). The writings talk in terms of pooling of resources that could be re-distributed in times of calamities such as fire, floods, epidemics and famine. This was probably a pre-cursor to modern day insurance. Ancient Indian history has preserved the earliest traces of insurance in the form of marine trade loans and carriers’ contracts.

Is not it an interesting thing? That we support each other even without knowing and help ourselves too. The challenge comes when insurance companies reject your claim and money and greed becomes primary focus instead of helping someone in need even after covered under insurance. This blog post is already very long, so I hope reader will understand the challenges in this industry and greed seeping in the system.

Image source – http://excusercise.org/social_support.htm

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Interdependence & Carbon emission

18 Monday Apr 2016

Posted by KRD Pravin in Business

≈ 1 Comment

Tags

Bhutan, carbon emission, climate change, interdependent co-arising, TED Talk

I have written on interdependent co-arising often. In the name of growth we are industrializing. In industrialization we are harming the environment. Today or tomorrow some or the other generation has to either take the brunt of it or change the course. If not we, who else?

The air I breath, you breath it too. If the air is polluted both will suffer. If the climate is changing it is not just New York in USA or Mumbai in India or Guangzhou in China is in trouble. We all would get affected.

This video is a must watch for those who are even remotely interested to understand carbon emission and interdependent coarising.

I would urge you to watch this video. A parting though we must ask ourselves is – what are we doing? We at least can reduce – driving needlessly, usage of AC or any other thing that increases our carbon footprints. Isn’t it?

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Farewell 2016

01 Sunday Jan 2017

Posted by KRD Pravin in Buddha, Business, Business to Buddha

≈ 2 Comments

Tags

corruption, Donald Trump, economics, Happy New Year, humanity, LBC, Panama leaks, Panama papers, Pokemon Go, Politics, Tata group, Terrorism, Wells fargo, Year 2016

Wish you a Very Happy New Year.

Cherish the moments you enjoyed and learn from the mistakes made – that he how we must move on in life and celebrate. Isnt it? The year 2016 was eventful. Every year is eventful though New Year blog 2016, New Year blog 2015, New Year blog 2014, New Year Blog 2013, New Year blog 2012, New Year blog 2011  😉

Terrorism – There is a new common for the world – terrorism – so that was as usual, religious extremism has not only kept its target India but added Europe to it. These apparently look like some unorganized terrorist attacks, but the end of many of these thread is common. The list is not small – https://en.wikipedia.org/wiki/List_of_terrorist_incidents,_2016 We need to ask ourselves – when are we going to be “human” behave like humans? Did we learn anything from this in 2016? In fact I wrote this and heard 2017 has started with terrorist attack in Turkey! Waste! These good for nothing parasites on the face of earth do not understand what nonsense they are involved in, if some religion teaches this that is not a religion at all.

Business & Economics – There were few big developments in the year, first UK voted to leave European Union, second Wells Fargo of US was found out to be involved in a big scandal and third India demonetized high denomination currencies. Here is a wonderful Ted Talk on UK’s vote to leave EU.

Wells Fargo scandal has no lesser words for taking strict actions against the high, mighty and decision makers who looked for Q-o-Q results and made up books, profits and rewards the culprits. You must watch this video to know how

Demonetization in India shook many within India, and to utter surprise three others countries planed to follow suit – http://qz.com/867724/three-countries-across-three-continents-after-modis-india-demonitisation-has-spread-to-other-countries-too/

What banks did post demonetization in India must be a subject matter of scrutiny same as Wells Forgo in the US.

Another battle happening currently in India is Tata group Vs Cyrus Mistry (the story is yet to unfold fully in 2017). As of 10th Dec 2016 (source), Investors of Tata group have lost about Rs 81,000 crore (810 Billion INR) in seven top Tata group companies since October 24 as Mistry was replaced by Ratan Tata as Tata Sons chairman.

Politics – Donald J Trump the next President of USA. It was most surprising and unthinkable when campaigning started last year. I wonder if what inspired Trump was mockery by Obama in white house in 2011.

Corruption – There was enough and more hue and cry about Panama papers. Corruption of many rich people worldwide. What is Panama papers? Watch the following video to know more. We must ask each one of these filthy rich people – what would they get by making, hoarding and rolling so much money all over the world? Remember we all leave everything here, including the wealth.

Somethings caught my eyes, were AT&T’s acquisition of Yahoo, LinkedIn’s by Microsoft and the phenomenon called Pokemon Go! https://techcrunch.com/2016/07/11/crunch-report-pokemon-go-mania/
Pokémon Go added $9B to Nintendo’s value, global rollout continues within a week
Pokémon Go has an estimated 7.5M U.S. downloads, $1.6M in daily revenue within a week
Will 22K people turn up to catch Pokémon in San Francisco and what less – Robbers target Pokémon Go players in Missouri.

What all these events have taught us? Humanity is important than a religion and terrorism. Globalization needs a perspective of interdependence at times we need to let go of some control, at times be need to think of inclusion. Every company has to be responsible, whether its Wells Fargo or Tata group. Never mock anyone, even if you are the president of the worlds most powerful, economically strong country. You will leave your wealth here only, pay your taxes instead of evading it. Legitimate money will make you and your money more respectable and in the end you would leave your body too here, wont take anything back with you. If you are doing something, put your heart and soul in it, make it awesome like the Pokemon Go!

This was LBC topic for farewell to 2016, I am late, was bit occupied with a preparation for a workshop on IPR held yesterday 31st Dec. You can read other blogs of other Loose Bloggers Consortium members at Ramana Uncleji and Shackman.

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Profit based healthcare

24 Saturday Sep 2016

Posted by KRD Pravin in Buddha, Business, Business to Buddha

≈ 1 Comment

Tags

healthcare, How much is too much?, Loose Bloggers Consortium, Morality

Every business or industry remains in business if and only if it provides some solution to the society. Isn’t it? Guns and grenades are there for providing security to borders of country, however bad it sounds when some mad-man opens fire injuring or killing innocent people but the industry and its prime motive remains. Healthcare is a similar industry which tries to save – as against the concept of weapon manufacturing industry – lives.

“Profit based healthcare” is interesting point to ponder upon. There is a saying in Hindi – “Ghoda agar ghaas se dosti karega to khayega kya?” I dont know the exact idiom for this in English, but we may say – “deer and tiger can not walk together” or “what will a tiger eat, if it befriends a lamb?” It is interesting to write on healthcare and profits. It is a perfect conflict. It is fine to have profit when doing business, that profit makes one live life comfortably. The point of a moral dilemma is – how much is too much? What should one select social good vs individual benefits? Social requirement vs greed! If there is no possibility of profit, would anyone consider getting into this industry? Would the industry survive? If this industry does not survive can we as human survive? Effectively, it is a circular logic and therefore a dilemma too.

health-is-wealthBefore getting into these questions let us first know healthcare and profits a bit. Healthcare is defined as maintenance or improvement of health of human being. This could be done by any means right from diagnosis to treatment. Healthcare involves health professionals and other health related professionals include – pharmacists, medicine producing companies and insurance companies – in some ways specially where cost of healthcare insurance is a huge business. Profit is excess over the revenue or the money a firm / individual saves after all the expenses incurred to generate some revenue.

As per some data healthcare industry is one of the fastest growing covering as much as 10% of GDPs of developed countries! At the same time healthcare is a basic necessity. The 10% of GDP and industry growth rate makes healthcare a lucrative business instead of a social / welfare work. No question on running a business successfully and making money, no one can  argue on that, but making a hotel out of a hospital (many large private hospitals in India), charging exorbitant fees, prescribing expensive (or a preferred brand) medicine are the questions one may ask on expensive healthcare and thus making healthcare more of profit based curse on society than a basic necessity.

Last month, one of my family member underwent an operation, insurance cover helped us to a large extent. Currently, also I am writing this blog post sitting in hospital. Insurance is another thing which is good but again at times makes healthcare expensive. Though, health insurance is good to have in India. India also happens to be relatively cheaper compared to developed world.

In India another difference is that Doctor’s write brand name of medicine which makes Doctors as primary customers of pharma companies a news here (Doctor’s junket). There is a different turf on which the pharma world is contesting in India that is IPR a much talked about case in India Novartis Vs Union of India WSJ news. Recently, couple of doctors were imprisoned in Mumbai for running a kidney racket (Hiranandani Hospital Powai). Is it what we call healthcare? Nope that is criminal or only profiteering there is no health “care” in that. But if we are talking about expensive healthcare, there has to be a discussion on how much is too much?

I have only understood these concepts for live and profession – moderation, balance and compassion, what have you? Check Ramana uncleji’s and Shackman uncleji’s opinion on Profit based Healthcare on their blogs.

For Profit Businesses

Marginal analysis

Image source unknown.

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Ambitions, selfishness or fear?

26 Tuesday Jul 2016

Posted by KRD Pravin in Buddha, Business, Business to Buddha

≈ 1 Comment

Tags

ambition, Anurag Kashyap, Brexit, economic development, EU, European Union, fear, growth, Gulal, religion, selfishness, social welfare, Terrorism

I was watching Gulal (A Hindi Movies by Anurag Kashyap) yesterday, somehow, it is available on Youtube.

 

That movie revolves around State of Rajasthan, kings of that state and their wish to get independent Rajasthan – independent from India. At first it sounds very weird, as the story unfolds different characters start playing their strategies for their own benefits. Whatever happens in the movie, that movie reminded me of Brexit – British Exit from the European Union.

After watching the movie, I was going through the documents of European Union. EU came into existence after two consecutive world wars. The wars which involved almost the whole world but centered around Europe. Just imagine a Europe between 1920 to 1938 (between the two world wars, or the Europe just after 1945. There was enmity, conflicts and the fight for economic dominance. This all actually ended with economic agreement! Isn’t it interesting?

The foundation of EU was more on economic development, social development – let me call it human development. Quote from EU website – “The EU regional policy starts to transfer huge sums of money to create jobs and infrastructure in poorer areas.” Such a wonderful concept that people can cross man-made borders, do business without trouble and follow one set of rules yet their countries do not lose their identity. Just imagine all European countries making a team to compete in Olympics or Fifa world cup!

The EU regional policy starts to transfer huge sums of money to create jobs and infrastructure in poorer areas.

EC-EU-enlargement_animationThe union started 21st century with a couple of aims – Peace in member states, Citizen’s security, economic and social solidarity. Such lofty goals require enormous efforts. These efforts at times become lobbying for one or the other. No doubt there may have been political and business interest groups who might be trying to get better deals or benefits for themselves. This type of lobbying – or cheating in some ways – can only be stopped when there is genuine connect to develop others and heartfelt desire to help those in need. EU adds close to 20% to the world GDP, what is more important to note is – its population is only is only 7% of the world population.

Just imagine if we get to see such geographic unions in other parts of the world, such as South East Asian Union or South American Union. These type of geopolitical, economical and social unions would require building trust first. A caution the union must only be on two fronts – economic development and social welfare. No! don’t even think of religion – religion is and must be an individual pursuit, those who make religion a group’s belief they mostly want to gain power. Also, religion is only used mostly for generating fear in the heart and mind of followers.

The movie Gulal had a very selfish and political motive. Can we compare that story of Gulal with British Exit from European Union? At times my mind says yes and other times no. No because it was a democratic decision, based on votes from common people. The statistics says older people were not in favor of remaining in EU. Reason – they were getting affected in many respect on personal level. By the way, these old people are the same who had benefited some or the other ways from being a part of EU.

My mind says yes because who says canvassing was not done? Who says there was no political motives, selfish goals? Who can deny all these? It has repeatedly proved that we select being individually smart and therefore we are collectively dumb – British exit from EU is an example of the same. Though we may argue that parts of Britain was against it and 51 to 49 cannot be generalized.

Also heard that those who voted against were fearful of immigrants. I wonder how big is the problem of immigrants in Britain! Of late, the fear of immigrant is evident in a way – every morning I am waking up to a city trending on twitter. There is some or the other attack at some place, European Union was built for peace and social uplifting – not for terrorist attacks.

My question came a full circle from the movie Gulal to British Exit to Gulal again – What drives people? What drives an individual? Ambition, selfishness or fear? I wish in future we would not be driven fear and selfishness and, in future we would see such union and countries coming together to prosper together, instead of people terrorizing and killing fellow human beings. This wish includes economic and social development – religion is a very personal affair, it should not come on streets and should not be forced.

Disclaimer – Author supports such collaboration and unification as done by the European Union. Such unions would one day make our world more connected and the interdependence will help us embrace each other with our respect, trust and support to each other as fellow human being rather than black or white, European or Asian or for that matter capitalist or socialist. We indeed are interdependent.

Image source – Wikipedia

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Millennials and the future

10 Sunday Jul 2016

Posted by KRD Pravin in Buddha, Business to Buddha

≈ 4 Comments

Tags

Compassion, CSR, Development, Evolution, future, interdependent co-arising, marketing to millennials, Millennials, Sadhguru, sharing economy, smiley, spirituality, The Buddha

Old days our ancestors used to communicate using sign language. Historians have found out wall painting in many civilizations and have discussed about usage of sign languages. We humans evolved, grew and became intelligent so started speaking, reading and writing when languages were born. Or perhaps the signs were difficult to remember over a period of time, thus language was born. We have evolved. With time, a lot of developments have happened. Now we communicate across the globe.

Development happens in cycles, so now after so much of development we have again started speaking in sign language. We call this sign language – smiley. Many a times one has to refer to the ‘dictionary’ to understand what is the meaning of that smiley. Specially that is the case with older generation (I am a part of that). Millennials are different species – well that is how media, marketeer and many people think. Millennials understand these sign language with ease. Though as per definition I should be part of millennials but I dont understand the sign language.

@srinivasjain yes I can understand. In fact I've to search which emoji to use to express emotion to youngsters.
Because there are too many

— KRD Pravin (@krdpravin) June 14, 2016

Many studies state that Millennials are different compared to the older counterparts. I am of the opinion that every generation is more evolved compared to previous one. Generation of my parents were busy settling down. My generation is little adventurous, millennials are freer, more connected and apparently they have more concerns for society.

There are many studies on Millennials, because they are going to be the biggest spender & biggest target audience for marketeers. Some studies say that Millennials are more concerned about environment, more connected, driven by sharing, more inclined towards social justice & balance and are more spiritual than religious One study. Now organizations also care for CSR, however shallow that could be. Hopefully this will be true one day – let them fake CSR until they make it. I am sure millennials will make this transition sincere with time.

When I read about millennials I thought in another direction. Sheer size of this generation is making us note these characteristics. Of course these are key traits of this generation, but still the sheer volume is making us notice this. There must have been people in previous generation who had similar thoughts but the numbers, perhaps the ability to measure was less at that time. There are very contrary analysis also done – Millennials less spiritual and less religious too, Millennials less religious but more spiritual either these are really contrary findings or it has been the norm for generations; earlier it was not measured now it is.

Yuga – Sadhguru. Isha Yoga

According to Indian philosophy, the generations evolve, this happens in a cyclic fashion. Yes perhaps therefore we are moving towards spirituality now. I came across an interesting video by Sadhguru on this same thought, the video is not available now but the article is, read it here.

If I try to connect the dots of what Sadhguru said and that of characteristics displayed by the millennials, we are likely to see a more interconnected society and more compassion and empathetic time to come. Wish my this prediction comes out to be true and terrorism stops, not by guns perhaps by the power of interdependence.

This was last weeks title for LBC, unfortunately I could not write last week as I had two sessions on IPR – one for faculty development and one for startups those two sessions took precedence over my weekly commitments. So I missed writing. Read other’s who write on LBC here – Rummuser, Shackman.

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I always wondered why?

27 Friday May 2016

Posted by KRD Pravin in Business to Buddha

≈ 3 Comments

Tags

creationism, economics, Evolution, interdependent coarising, LBC, Loose Bloggers Consortium, Ramana Rajgopaul

“I always wonder why birds choose to stay in the same place when they can fly anywhere on the earth, then I ask myself the same question.”  – Harun Yahya

Adnan Oktar (born Ankara, 1956), also known by his pen name Harun Yahya, is advocate of Islamic creationism in the creation-evolution debate. He is considered to be the leading Muslim advocate of creationism.

I have wondered about many things in life. It includes creationism, economics and war. Many of the thoughts are posted in the blogs here. Recently, Ramana uncleji commented on my blog post – Free will and Fate.

Sitting quietly. doing nothing, spring comes and the grass grows by itself. Zen Meditation

How often we looked at growing grass as the Zen saying states. I’ve a difference of opinion though. The growing grass does not do anything on the surface, but inside it, below the surface too there are a lot of things going on. Struggle of survival, isnt it?

The other thing I wonder a lot about is economics and our interdependence. I know many people do not consider economics as a play of interdependence however they see it has how do I improve my marginal utility. Most of the times this thinking of these smart people is based on “how do I… at the cost of other”. This needs to change. The discourse of economic value has to change. It needs to include everyone. If there is inequality we would not achieve peace.

On the debate of creationism and evolution – I wonder why people keep on fighting about creationism but accept – and use too – scientific discoveries? I liked the way The Buddha kept silent on the question of existence of God.

There are many more things I’ve wondered, why? The most regular point I cogitate is economics and spirituality – interdependent co-arising. This blog is an outcome of the same wandering of mind.

It was topic of Loose Bloggers Consortium for this Friday. Others who have written this week are – Shackman, Ramana Uncleji and Dunnasead.

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Interdependent co-arising in Ecosystem

18 Saturday Oct 2014

Posted by KRD Pravin in Buddha

≈ 3 Comments

Tags

balance, ecosystem, interdependent co-arising, Mahavir, middle path, Svyadvad, The Buddha, trophic cascade, wolf, Yellowstone National Park

As I have been writing a lot about interdependent co-arising, I came across this video and thought to share it without delay on my blog.

If you can understand this video you can understand the concept of Buddhism on interdependent co-arising. Please watch this small <5 min video a wonderful experiment. According to the description of the video – When wolves were reintroduced to Yellowstone National Park in the United States after being absent nearly 70 years, the most remarkable “trophic cascade” occurred. What is a trophic cascade and how exactly do wolves change rivers?

“When we try to pick out anything by itself, we find it hitched to everything else in the Universe.” – John Muir

An interesting way to explain interdependence. Hope we learn this sooner rather than later that ecology has to be balanced, political, social and religious ideas should also be balanced because perhaps nothing is perfect! I think therefore Mahavir used the concept of Syadvada (doctorine of postulation) and the Buddha middle path.

Source – Youtube channel Sustainable Human http://www.youtube.com/channel/UCYv_csqWJTSfQK3vOZDJKQw

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Interdependent co-arising intra-country example

18 Saturday May 2013

Posted by KRD Pravin in Buddha, Business, Business to Buddha

≈ Leave a Comment

Tags

buddhism, CoalGate, Corruption in India, Dutch disease, Ecomonics, Foreign Direct Investment, interdependent co-arising, macro-economics, macroeconomics, Manmohan singh, Netherlands, The Buddha

In previous blog “Coalgate…” I touched on the topic of Dutch Disease. The concept of Dutch disease rebounds me to the interdependent co-arising once again (interdependent co-arising means – we are all dependent on each other.). This concept of Buddhism is applicable in every walk of life. If we (each individual) do not understand it we are going to remain in the problems we face. Check previous blogs on the same below.

Interdependent co-arising farmers example (ground level example) – this blog is about how interdependent co-arising relates to a smaller level of activity of one businessman / farmer. This could be you or me in our regular work environment.

Interdependent co-arising macroeconomic example (world level example) – this blog is about how interdependent co-arising relates to macro-economics.

This blog is a country level example of interdependent co-arising (Pali original concept – Pratītyasamutpāda – at Wikipedia).

What is Dutch disease?

The inflow of capital leads to an appreciation of the currency, making imports cheap and export expensive. The name comes from the Netherlands experience following the discovery of gas in the north sea. Natural gas sales drove Dutch currency up, seriously hurting the country’s other expdutch-diseaseort industries.

In late 50’s Netherlands found huge source of natural gases. This resulted in 1. investments (largely foreign direct investments) in that sector 2. decline in other sectors e.g. one example could be people moving for jobs in that sector (consider Indian IT sector as reference) 3. investments (specially foreign investments) in that sector resulted in stronger currency. The excessive investment made Netherlands currency stronger resulting in making exports expensive eventually resulting in decline of export from Netherlands. Manufacturing suffered and thus jobs in manufacturing too go to step 2.

This convoluted – action/reaction and impact at not so obvious industries – example again suggests to us that even if industries are not linked directly they are linked in some way. This link is interdependence. This interdependence should make one value the existence.

The  “Dutch disease” should make us once again think about the invisible connections we share with each other.

Image source – http://globalprosperity.wordpress.com/2010/08/19/oiling-africas-gears-for-democratic-change/

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