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Monday 23 January, 2012

Doctors die peacefully. Shouldn't We?

Doctors die peacefully. Shouldn't We?

Death is a sensitive topic.

We all know that we'll eventually die. However, we're often to scared to talk about it. Especially about one's own death or about the prospective death of our near and dear ones.

I felt that this post ought to appear both in my finance blog and in my "Multiple Shades of Grey" blog.

Came across the following article:

Excellently written. Do read it - Especially if you are over 60 or if you have near and dear ones who are over 60.

There are too many reasons as to why doctors die a peaceful death, but patients don't. It is not always because of their propensity to make some extra buck. It is also due to other reasons like

  • Fear of litigation
  • Misplaced concern for the patient
  • Intention to preserve "success percentages"
  • Undue pressure from the family members of the patient, etc.

However, if I'm a decision-maker either about my own health-care when the time comes or for any of my own near and dear ones, I'll try to consciously think about the above article and think a hundred times before going in for artificial life-support systems in a typical ICU.

Reasons are many, including:

  • Improving the quality of life of the patient
  • Reducing the actual suffering of the patient
  • Enabling the patient to be with his / her family and friends in the last few hours / days, instead of being semi-conscious inside an ICU.
  • Reducing the eventual hospital bill (especially by avoiding some futile life-support interventions)

The last point, while appearing rather rude, crude and heartless, is very live, very real, very practical, and, probably the most crucial one for the surviving members of the family, especially in case of lower middle-class / poor / below-poverty-line families. Especially in an otherwise poor country like India.

Think about it.

Regards,

N


Sunday 22 January, 2012

Perspective - Should we care about the society around us???

Should we care about the society around us???

Folks,

This is a subject that will get a different answer from me depending on who you are. And what stage of life you are in right now.

Read on:

I just got a mail from a friend about yet another noble deed being done by a friend of his - The gist is given in the box below:

A businessman-friend of ours, Ramesh Kacholia, runs an organization called Caring Friends (CF) out of his office and home in Andheri. CF helps selected NGOs in India, with organizational and financial support, connecting donors to successful self-help NGOs (today, numbering about about 30). He sent me this wonderful piece about Just Change, from the Hindu:

 


True indeed! There are many more such examples that I keep coming across (some of them strictly local, while others do attempt at scaling up to a regional / national level) for causes as wide-ranging as trade promotion, blood donation, eye donation, road-safety awareness, fighting female infanticide, providing drinking water for all, providing sanitation for all, financial inclusion, primary education, caring for helpless desitute women, fighting drugs, etc.

Problem is that most of us (starting with Me with a capital M) can't look beyond our noses. We're way too "busy" with "our own world". Unfortunately, "our own world" is often much smaller than we realise.

At a strictly materialistic plane, it is OK to do nothing about such causes. At the next higher level when we start thinking that "we care", perhaps a good beginning would be to identify a single "pet cause" and start working on that. Depending on our capabilities, skill-sets, competence levels, energy levels, etc., we can, later on, move on to multiple "pet causes".

However, as we move further up in the thinking ladder, we suddenly realise that each of us is but a microscopic entity in God's scheme of things. He who creates, knows what to provide, when, how, and why not. Nothing that we ever do is genuinely going to change things in the world as we know it if you look at it from a horizon of a few million years in time and a few light years distance. When we go to bed and sleep, some of us (perhaps all of us) get dreams. Some of those dreams are fairly elaborate. For instance, we may have a dream about noticing a child crossing the road without observing a speeding car, and, in our dream, we may find ourselves sprinting over to save the child from instant death. However, when we do wake up, the child, the car, the driver - All of them just disappear. We realise that the whole thing was just a figment of our imagination either in our conscious mind or in our subconscious mind. Taking the analogy further, for all you know, All of us - You, me, Eric, Guha, Balu, ASN, Manu, Manmohan Singh, Obama, Vish Anand, Rajnikant, Tendulkar, Sonia Gandhi, Mayawati, TN Seshan, Sunny Leone, Osama bin Laden, the Somali Pirates, etc. - May all be just part of a truly elaborate dream of some other individual who is presently asleep. Whether that individual is God Almighty or another ordinary individual like you and me. We're merely playing our respective parts, without realising that all that needs to happen is for that individual to wake up to end "our present reality".

Once you reach the above plane of the thinking ladder, you'll realise, my dear friend, that "trying to change", "trying to change others", etc. are virtually of no consequence. We just need to "let it be". And play our part the way we're either meant to or expected to. And wait for "that individual" to wake up!

Enjoy while it lasts!

Regards,

N

Now, why couldn't I think of it, let alone do it?
Our lives won't be complete without such Seva!


---------- Forwarded message ----------
From: PS
Date: Mon, Jan 9, 2012 at 10:42 PM
Subject: Inspirational
To:


A businessman-friend of ours, Ramesh Kacholia, runs an organization called Caring Friends (CF) out of his office and home in Andheri. CF helps selected NGOs in India, with organizational and financial support, connecting donors to successful self-help NGOs (today, numbering about about 30). He sent me this wonderful piece about Just Change, from the Hindu:

http://www.thehindubusinessline.com/features/life/article2777285.ece 

Farm fresh at fair price

MARI MARCEL THEKAEKARA

Business Line "Poor women in the UK paid a fortune for their tea compared to our Gudalur prices.Why not send them our tea, we wondered." - K.K. MUSTAFAH
Why should growers and consumers suffer while companies profit? An organisation that aims to Just Change all that.

Have you ever wondered why farmers are committing suicide so often, yet your vegetable and food bills continue to spiral upwards constantly?

Over 25 years ago, ACCORD, an NGO working with adivasis in the Gudalur Valley below Ooty, began a tea planting programme to secure the adivasis' rapidly diminishing ancestral lands. Outsiders had come in from neighbouring regions and cheated them of their land. The combination crops of tea and pepper took most adivasis out of poverty. Malnutrition levels dropped. Children did not have to go to sleep hungry.

Then suddenly in the 1990s, tea prices crashed. All tea planters were devastated. For ACCORD, it was a lifetime's work going down the drain. Suddenly, realisation dawned that although tea leaf prices had hit rock bottom, tea prices remained high as ever at the Bangalore shops where we bought them. So the planters and consumers were suffering even as tea majors continued to pay dividends to shareholders, and their profit curve went up. Something was totally unfair here. How could we fight this unjust system?

We started Just Change, about a decade ago, to fight for the rights of both poor farmers and consumers. If you think about it, every person is a consumer at some level, we have no choice. We have to buy food, clothes and basics. But do we have to pay unfairly big mark-ups on everything while poor farmers and producers continue to commit suicide?

Power to the producer

The idea for Just Change was conceived after a group of women weavers from Gandhigram visited the Gudalur adivasis. They brought with them saris they had woven. Beautiful Madurai cottons. The ACCORD team could not believe the women were selling the saris for just Rs 125 each. In Gudalur shops, the same saris cost Rs 250. Every single sari was snapped up. The weavers were delighted. When they sold their work to traders or shops in Madurai, they received only Rs 75. They'd just earned double. With the surplus cash, they bought tea from Gudalur at half the price it cost them in Madurai, and some of them took it back to sell to friends and family at a profit, but at less than the Madurai market price. The women couldn't believe the difference in their income from this one transaction. They were overjoyed. We discovered women, unemployed and living on welfare on a poverty-ridden housing estate, in Easterhouse outside Glasgow drinking enormous (by Indian standards) mugs of tea all day. They paid a fortune for their tea compared to our Gudalur prices. Why not send them our tea, we wondered. The idea kept growing.

Now, Gudalur tea is travelling to different parts of the UK, Germany, Orissa, Gujarat, and to women's groups in nearby Kerala. But this is not about Gudalur tea only. We are getting chillies and spices from Orissa and Madurai. We have met farmers from Karnataka, dalit groups in Gujarat, hill people from Uttarakhand. We hope to scale up pretty soon and make Just Change a household word.

Ethical investing and capital

While the organisation has been successful in connecting consumers and producers, a new dimension was introduced to us by Lord Joel Joffe (House of Lords, UK) a brilliant and successful businessman and philanthropist, who was thrown out of South Africa during apartheid when he was Nelson Mandela's lawyer. Lord Joffe said, "It's a brilliant concept, but you won't get very far unless you bring in ethical investors." He put his money where his mouth was and funded Just Change UK for a year.

The idea of ethical investors was developed further by Stan Thekaekara, founder of Just Change, who floated the idea of Participative capital. When money is in the hands of poor people it flows out of their hands like water, to pay for essentials. But the minute it moves from the consumer, just one step up to the shopkeeper, it changes status and becomes capital, enabling her/him to increase business and make more money. Yet, all this money comes from poor people. Their participation in the economy brings them very minimal returns. An unfair system, which keeps them poor.

Within Just Change, the capital becomes participative. Everyone's contribution is recognised, not just investors'. The producers who grow the food as well as the consumers who buy it are all part of a new economic community. The Just Change Community. Profit for the sake of profit is not the motive. The contribution of producers and consumers to the economic process is considered as important as the money thrown into the pot by investors. All are equal partners.

Many little streams…

Recently, Just Change hosted a conference on "Participative capital" together with GIFT, a Hong Kong-based group that brought young business leaders to India to learn about Just Change. They met farmers, consumers and Just Change partners, and subsequently funded the conference to bring on board investors.

The event, which seemed like a pipe dream a decade ago, resonated with people who came and pledged time, support and money. Most moving was a women's cooperative from Nicaragua that pledged support and $100, a huge amount for poor farmers. Equally moving was a pledge from Unicorn, a co-op in Manchester that has sold JC tea for many years now. Friends and family pitched, and so did a number of "believers" who'd got the message from articles and news reports.

At the end of the evening most people left feeling it was possible. From an improbable idea, we might after all, Just Change the world.