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			'id' => '885',
			'article_category_id' => '48',
			'title' => 'Poems By Professionals',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	Nepal&rsquo;s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty. Many businessmen and professionals have thus tried to solace themselves by expressing pangs and pains in poetry. Here are few scattered pieces of poems taken from their diary. Please read them all:</p>
<p>
	&nbsp;</p>
<p>
	&nbsp;</p>
<p>
	<strong>From a banker:</strong></p>
<p>
	<em>A liquidity crisis again envelops&nbsp;</em></p>
<p>
	<em>Base rate, KYC, Basel III to adhere</em></p>
<p>
	<em>In a market highly flawed</em></p>
<p>
	<em>By the grace of self declared Gods.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a realtor:</strong></p>
<p>
	<em>It boggles me how fast</em></p>
<p>
	<em>The land under me caved in</em></p>
<p>
	<em>Why all fingers pointed to me</em></p>
<p>
	<em>Not the chaps aired the bubble first?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a jeweler:</strong></p>
<p>
	<em>Random walk of &nbsp;price of gold</em></p>
<p>
	<em>Sellers are at the hold</em></p>
<p>
	<em>Buyers feel over-sold.</em></p>
<p>
	<em>But the reality is never told.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an investor:</strong></p>
<p>
	<em>Just look at the NEPSE index</em></p>
<p>
	<em>Leaves anyone always perplexed</em></p>
<p>
	<em>As market is bullish taking on risk</em></p>
<p>
	<em>Erring politics smashes it in brisk.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an economist:</strong></p>
<p>
	<em>The affair of the state is iffy&nbsp;</em></p>
<p>
	<em>The guardian angels acting sneaky&nbsp;</em></p>
<p>
	<em>The mood is damp, almost piffy</em></p>
<p>
	<em>And economy stands fiscal cliffy.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a wage-earner:</strong></p>
<p>
	<em>No job, what else to mention?&nbsp;</em></p>
<p>
	<em>No relief from perennial privation,</em></p>
<p>
	<em>The minimum wage in the nation</em></p>
<p>
	<em>Is never tied to the rate of inflation.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a business leader:</strong></p>
<p>
	<em>We must certainly preface&nbsp;</em></p>
<p>
	<em>Taxing few honest and rich</em></p>
<p>
	<em>As the socialists these days profess</em></p>
<p>
	<em>Will not fill ravine of whopping deficit.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a social planner:</strong></p>
<p>
	<em>We are finding it absurd</em></p>
<p>
	<em>Plans we heard were never delivered</em></p>
<p>
	<em>But all the party comrades did prosper&nbsp;</em></p>
<p>
	<em>People left to have suicide preferred.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a political economist</strong></p>
<p>
	<em>When will parties exhibit maturity?</em></p>
<p>
	<em>Help create stable income and security</em></p>
<p>
	<em>So there could be a sense of certainty&nbsp;</em></p>
<p>
	<em>And markets start to behave with surety.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a planner:</strong></p>
<p>
	<em>Do policy makers really have any plan</em></p>
<p>
	<em>On jobs, inflation and population?</em></p>
<p>
	<em>If it isn&rsquo;t the leaders concern&nbsp;</em></p>
<p>
	<em>What if we lose our temper soon?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>Finally, from a voter:</strong></p>
<p>
	<em>Our ears can&rsquo;t hear anymore sermon</em></p>
<p>
	<em>About job creation and developed nation.</em></p>
<p>
	<em>We need more apprenticeship skills</em></p>
<p>
	<em>That meets our needs and fixes growth ills.&nbsp;</em></p>
<p>
	<em>Is there anybody to listen?</em></p>
<div>
	&nbsp;</div>',
			'published' => true,
			'created' => '2013-03-23',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Nepal’s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty.',
			'sortorder' => '769',
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		'Article' => array(
			'id' => '882',
			'article_category_id' => '48',
			'title' => 'New Financial Lexicon',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for. Some examples from a non-exhaustive glossary:&nbsp;</p>
<p style="text-align: justify;">
	<strong>Accrued Interest:</strong> An accumulated interest due in the account of the most-favoured borrower of the bank, which may never be paid.</p>
<p style="text-align: justify;">
	<strong>ACH:</strong> Association of Clever Herds, representing the corporate world created to buy time from their wives.</p>
<p style="text-align: justify;">
	<strong>AML:</strong> A new disease called Acute Myeloid Leukemia diagnosed among some businessmen caused by the flu emanating from Anti Money Laundering (AML) Act.</p>
<p style="text-align: justify;">
	<strong>Appraisal:</strong> An annual drama of awarding a crony of the management for promotion or favouring a mediocre firm at the cost of the best performer without connections.&nbsp;</p>
<p style="text-align: justify;">
	<strong>APR: </strong>A commonly used tool to make customers April Fools, previously known as Annual Percentage Rate.</p>
<p style="text-align: justify;">
	<strong>ATM:</strong> Any Time Malfunction machine to dispense money even from your own account.</p>
<p style="text-align: justify;">
	<strong>Availability Date:</strong> A choreographed schedule of senior bank officials to prove that they actually work sometime, if available for the cause of common business interests.</p>
<p style="text-align: justify;">
	<strong>Availability Policy:</strong> Bank&#39;s policy to indirectly announce its liquidity position by fixing the date when funds deposited into an account will be actually available for withdrawal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank Custodian:</strong> The Central bank, in case of Nepal NRB, is a specialized police custody for the bankers who remain recalcitrant to follow NRB directives issued not necessarily to maintain the safety of depositors&rsquo; assets but to prove that the central bank actually has some teeth and may bite anyone it doesn&#39;t like.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank:</strong> A glassed cage where you are made to feel like a pig when entered and your assets are valuated only a quarter of what they are actually worth for, and you cannot have any say at any point in time whether you deposit or borrow.</p>
<p style="text-align: justify;">
	<strong>Bankrupt:</strong> New certificate of dignity to most of the clients of most of the banks. And you can justify it by talking all day about recession.</p>
<p style="text-align: justify;">
	<strong>Bear Market:</strong> A cool alcoholic fizzy drink for the losers in the capital market, synonymous with the beer market.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Billionaire:</strong> A rare breed of individuals in Nepal who have never made their books of accounts public and never proved to have done illegal things.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bull Market: </strong>A market place where oxen are sold and bought by the farmers right before the farming season.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Capitalism:</strong> A policy of almost every political party of Nepal that doesn&#39;t believe in anything less than accumulating capital by hook or by crook.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Collateral:</strong> A single basis of evaluating the borrower&#39;s credit-worthiness in the Nepali banking system, without which Nepali banks cannot even breathe. Things like credit records or project viabilities of the borrowers are bull sheet.</p>
<p style="text-align: justify;">
	<strong>Co-Signer:</strong> An individual who sings in the tune of the boss in the bank, also known as a co-maker.</p>
<p style="text-align: justify;">
	<strong>Deferred Payment: </strong>An act of postponing the payment for a future date which never comes; which has now become a widespread practice in the Nepali banking industry.</p>
<p style="text-align: justify;">
	<strong>Depression:</strong> A psychological phenomena reflecting the state of mind of the citizens, caused by the long run gloomy outlook of the economy.</p>
<p style="text-align: justify;">
	<strong>EBIT: </strong>Bank&#39;s earnings before irregularities and tampering.</p>
<p style="text-align: justify;">
	<strong>Electronic Banking: </strong>&nbsp; An internet or mobile-based service of the banks that allows even a non account holder to obtain account information and manage certain banking transactions through a personal computer, directly logging into the financial institution&#39;s portal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>KYC:</strong> Kill Your Customer &nbsp;&nbsp;</p>
<p style="text-align: justify;">
	<strong>Mutual Fund:</strong> A mutual practice of distributing hefty loans among the CEOs of the banks in a turnkey basis so that they can invest in real estate business.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Outstanding Check:</strong> An errand boy standing outside the door of an office carrying a bank&#39;s check.</p>
<p style="text-align: justify;">
	<strong>SLR: </strong>Self-loading rifle belonging only to the central bank, used to rob the banks in the veil of statutory liquidity ratio.</p>
<p style="text-align: justify;">
	<strong>Stagflation:</strong> When it is the time for the Royal Stag, the leisure borne out of inflation-induced inaction.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Students&rsquo; Loan:</strong> Loans given to students to buy sporty bikes, so as to enable them to undertake a number of dating projects simultaneously.</p>
<div style="text-align: justify;">
	&nbsp;</div>',
			'published' => true,
			'created' => '2013-03-16',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for.',
			'sortorder' => '759',
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			'breaking_news' => false,
			'main_news' => false,
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	(int) 2 => array(
		'Article' => array(
			'id' => '816',
			'article_category_id' => '48',
			'title' => 'Welcome To  ‘Baburo Airways’ Comrades And Commanders!',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	<img alt="" border="0" height="271" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/no_laughing_matter_jan2013.jpg" width="341" /></p>
<p style="text-align: justify;">
	Welcome to our own Nepal’s pride, Baburo Bhattarai &nbsp;Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.</p>
<p style="text-align: justify;">
	You will hear a number of rocking announcements about the poll-ethical weather by our buffalo herding head of the nation, which cannot alter our aim of smooth flight and destination. &nbsp;If you cannot trust me fully as pilot, you may rely on &nbsp;our single-focused co-pilot VJ Gachchr, who have a long experience in maneuvering flights that face troubles. Only thing is he charges extra whenever he has to save such flights led by over-dependent Baburo captain like me.Along with the members of VJ club of Try-Muddesh and trainee fright attendants, we also have side-attendant Ms Yummy with us to greed you. Now we are announcing some safety tips. Therefore, please shut up your mouth and eyes but keep your ears as wide as you can.</p>
<p style="text-align: justify;">
	First of all, I request all the passengers to open their umbrellas as we have a custom of doing so when we have information that there is rainfall in Delhi. When we are ready to take off, the passengers are requested to shout at the highest pitch to scare cows, monkeys and the vultures off the runway, let loose there by Congress, UML and RPP respectively.To entertain you to the hilt, our fright attendants are not wearing makeup today. However, they will be wearing wigs and parachutes hoping to look like clowns to remind you the last Christmas. But they actually look like ghosts of some Ramsey Brother’s late night TV shows.</p>
<p style="text-align: justify;">
	As there is no seat planning, the ones with muscle power can grab the front seats, the weak ones can sit on the stools or on the floor. If I see some near and dear ones of my own, umh! relatives of Ms Yummy, I will make sure they get very lucrative seats regardless of anything. Let me also inform that, I will not be able to listen to anyone except Ms Yummy when in Nepal and some of my gurus like Muni when in Delhi. Therefore, please do not shout if you have any problem.Though the original time for the return flight was for five months, but because of bad weather, that couldn’t be assured. We may reach the destination anytime soon, but the return flight is certainly not certain. We are not too sure about in what height we will be flying as there are lot of efforts going on to bring down my plane. As you know it will be my duty to save my plane even at the cost of passengers and some fellow flight staff. So, anyone might be kicked out of plane if required. So, be ready for an adventure skydiving trip for free and make sure you have your parachute ready for yourself.</p>
<p style="text-align: justify;">
	Our plane has four emergency doors. However, they will be opened only when we feel that we needed to vacate a seat to accommodate a new flight partner sacrificing an existing one to ensure my non-stop flight. We will fly between Delhi and Kathmandu on a regular basis. &nbsp;This will continue till we reach to a consensus that endorses the proposal such that this very captain with the same crew members is allowed to continue to fly this plane. Otherwise, this plane will never land on any airport. Even in case you arrive at your destination, don’t worry, you will be left in the middle of nowhere!</p>
<p style="text-align: justify;">
	Before you exit the plane, please make sure to gather all of your money and valuables. Anything left behind will be distributed among the fright attendants as we believe in common-ism and demons-crazy at the same time. After all, thank you for flying with Baburam Baburo &nbsp;Airways. I am not sure whether you enjoyed giving me an opportunity to be your captain, but I am ecstatic on being the captain of this flight, therefore unwilling to relinquish this pleasure anytime soon!&nbsp;</p>
<p style="text-align: justify;">
	Bon Voyage!</p>',
			'published' => true,
			'created' => '2013-03-14',
			'modified' => '2013-03-14',
			'keywords' => '',
			'description' => 'Welcome to our own Nepal’s pride, Baburo Bhattarai  Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.',
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	),
	(int) 3 => array(
		'Article' => array(
			'id' => '771',
			'article_category_id' => '48',
			'title' => 'No Laughing  Matter December 2012',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13"><img alt="nolaughingmatter" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(3).jpg" vspace="10" width="338" /><br />
	By Madan Lamsal</span></span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13">&nbsp;</span></span></p>
<p class="MsoNormal">
	<strong><span style="font-size:14px;"><span style="line-height: 115%; color: black;">Gangnam Baburam Style<br />
	<br />
	</span></span></strong><span style="font-size:14px;"><span class="A13"><img alt="gangnam" border="1" height="436" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/gangnam.jpg" vspace="10" width="600" /><br />
	</span></span></p>
<p class="Default" style="text-align:justify;line-height:10.05pt">
	<span style="font-size:14px;"><span class="A4"><span style="color: windowtext;">T</span></span><span style="color: windowtext;">he only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end. <br />
	</span></span></p>
<p class="Default">
	<span style="font-size:14px;"><br />
	In fact, the Nepali PM and Korean Pop star have many similarities. To increase viewership, as Psy appears on TV shows worldwide, our BRB stages TV shows like address to the nation very often and his efficient private secretariat makes sure that every move of him is recorded and posted to media. As the short form of Psy of Korea, people have started to call the pop star ‘Psy-Ko’, whereas BRB is already recognized at home as a ‘Psycho’ for his weird manners, permanent wear of anger on his face and schizophrenic self-righteousness. Perhaps the most notable similarity between Psy-Ko and Psycho is in their perspectives to view capitalists. While the Psy-Ko has made mockery of the hypocrisy of Gangnam aristocrats of Korea presenting them as riding on an non-existent horse, through dance metaphor, BRB back home has murdered many who he thought were capitalists. Who knows what he exactly plans next in this particular regard!</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">Despite so many similarities, it is truly unfair for BRB to go the opposite direction of Psy’s popularity chart. It truly warrants a deeper inquiry into such debacle of BRB’s popularity. Zoologists who know which creature is worth what and Hindu mythologists who know who should ride what animal as bahan (carrier) agree here that, this difference in popularity could have been caused by their difference in selecting the creature as means of their respective message carriers. Psy-Ko has chosen an imaginary horse and his every dance step represents how he is holding the reigns of a galloping horse, at different movements and speeds. Instead, our BRB for long has chosen a frog, leaping stochastically, which he can neither ride nor reign in.</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">If BRB is really dying for a Psy like popularity and his permanent anger is due to his failure to achieve this, he actually can work on it. First, he does not need to limit himself to politics and the country’s prime minister. He can officially handover all those responsibilities to his wife Hisila, as he has already done so unofficially. The advantage is that, at present there is no constitutional restriction in doing so in the present day Nepal as there is no effective constitution in place. Therefore, it is an opportune moment for this transfer of power as well. Then, he should be able to devote more time for brand endorsement as Psy-Ko is reportedly endorsing new models of Samsung’s range of Kim-chi refrigerators. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">BRB just has to consolidate what he has already begun as the brand ambassador of Mustang four-wheelers immediately after he became prime minister. He can well be the brand ambassador of Samsung products in Nepal; as the franchisee of the brand here is the same business house that produces Mustang. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">The reason for the popularity of the Gangnam Style is not the fact that the Western world understood the meaning and the language of the song that implicitly ridicules the western-style consumerism. The truth is that the world just danced to its tune, without any idea about what that song is all about. On this count, BRB seems to have understood the underlying message clearly. So he is singing anti-capitalist and anti-democratic rap in a way that the West does not understand at all, but the tune that goes with the song is so hypnotizing for them that they are all dancing to BRB’s tune as well. <br />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span style="line-height: 115%;">More interestingly, even the Nepali people are dancing to BRB’s tune despite the fact that they understand the terrifying message of benevolent dictatorship inherent in these songs. The music that goes along is such that it makes them oblivious of the message that BRB has artfully weaved in his rap. So, BRB can now smile on this count of success, at least.</span></span></p>',
			'published' => true,
			'created' => '2013-01-22',
			'modified' => '2013-02-07',
			'keywords' => '',
			'description' => 'The only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end.',
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			'article_category_id' => '48',
			'title' => 'The Festive Prescription',
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			'summary' => null,
			'content' => '<p>
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	<span class="A15"><span style="font-size:59.0pt">F</span></span><span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">or Nepalis, every bit in life is celebration. Sixth day of the birth is a ceremony, then comes naming ceremony. That is followed by rice-feeding, sacred-thread wearing and marriage ceremonies. Then there are ceremonies at different age points of the person. And finally there is death which is again observed as a ceremony and that too follows a ceremony every year – called Shraddha. You or your kith and kin invite all your loved ones, eat drink and enjoy in these ceremonies. <br />
	<br />
	<br />
	And there are festivals like Dashain-Tihar, Chhat, Id and Christmas – they all bring jubilations. The moment is worth being oblivious to everything possible from gloomy outlook of the economy, ever-angry face of your prime minister to virtually doomed future of the country. As Nepalis have long tradition of celebration, they don’t normally need advice on how to take out best from festival celebrations. However, in secular Nepal, these celebrations also have to be aptly fitting. So here are some tips to make these celebrations acceptable across all caste, creed and religion: <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-spacerun:yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>Booze Out : Taking holy bath every morning during the nine days of Navaratri (ir Dashain) and five days of Yama Panchak (Tihar festival that falls after a fortnight of Dashain) are the things of past feudal Nepal. In new Nepal, the tradition of holy water sprinkling has been changed to distilled ‘water’ drinking, uniformly. Old traditional water use was limited only to Hindus, depriving other groups of equal celebration rights. So the new distilled water which is inclusive akin to federal character has replaced the old holy water with vigor and speed. One may or may not be Hindu, put tika or not. But because of this liquid, everybody can equally enjoy the festivities. No need to mention about equally secular feast of food. <br />
	<br />
	Old were the times when certain social groups didn’t eat certain types of meat. Now every meat is acceptable to everyone -- no bars to beef, buff, pork or chicken. This actually adds the pleasure of the festival for reasons of variation in dishes and tastes. So break free, booze out to the fullest. All breathalyzer holding cops will be either of the roads or on similar festive mood as you are. <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-tab-count:1">&nbsp;&nbsp;&nbsp; </span>Gamble to the Hilt : Festivals are the time to convert the home living rooms to virtual casinos. For your convenience, the Maoist government has done a cultural revolution by generously reducing the load shedding to 18 hours and then for the festivals to 12 hours a week for festival related cultural activities like gambling, drinking and gang-fighting. Not only that, to extend days of playing dice and card games of marriage, flush or twenty-nine, there will be two days of weekly holidays, beginning soon after Dashain. Moreover, as always, resourceful Nepalis are free to go, at their will, to the casinos so arduously protected by the Maoist cadres.<br />
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mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Uphold Traditions: Any festival somehow has religious or symbolic value. There used to be Rawan badh street drama, Durga bhajan singings at the neighbourhoods during Dashain or Deusi-bhailo during Tihar. But in essence they were all about making noises to scare away the demons. As that is not suitable for the modern days. Instead, play the music with loudspeakers fully on and dance till midnight so that all the neighbors can also feel that some demons are really on the move. <br />
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mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Count on the Discounts: Every item you want to buy during these festivals is discounted. Cloth and shoe stores are clearing the stocks and mobile service providers are offering highly discounted rates. Housing companies are coming up with buy-one-get-one offer. So take advantage of this by making an extra bit - send extra SMS, buy extra house or a car. Don’t worry about money. If banks are not lending, find a local cooperative or dhukuti operator. After all, Nepal is the only country where you can get loans for festivals.<br />
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mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Stay in Liberated Mood : Regardless of inflation, loan or what you do after these festivals, stay cool sipping more chilled beer or whiskey on the rocks and be in full masti mood. </span></p>
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			'description' => 'For Nepalis, every bit in life is celebration. Sixth day of the birth is a ceremony, then comes naming ceremony. That is followed by rice-feeding, sacred-thread wearing and marriage ceremonies. Then there are ceremonies at different age points of the person. And finally there is death which is again observed as a ceremony and that too follows a ceremony every year – called Shraddha. You or your kith and kin invite all your loved ones, eat drink and enjoy in these ceremonies.',
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			'title' => 'Fear Of Futures Contracts',
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	<br />
	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><img alt="" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/featured_nolaughing.jpg" vspace="10" width="338" /></span></span></p>
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	<strong><span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">By Madan Lamsal</span></span></strong></p>
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	<span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">&nbsp;</span></span></p>
<p class="MsoNormal">
	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
">Fear of Futures Contracts</span></p>
<p class="MsoNormal">
	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><br />
	Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state. <br />
	<br />
	<img alt="" border="1" height="301" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/no-laughing-matter.jpg" vspace="10" width="334" /><br />
	</span></span></p>
<p class="Default">
	<span class="A4"><span style="font-size:
59.0pt">I</span></span><span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">f anything Nepal is scared of most at present is the futures contract of the commodities – every sector seems to be terror stricken by this fright. Dr Baburam’s government is shaken and equally confused in guiding another Baburam, who now heads regulatory authority SEBON, to take a further step on this trade. SEBON is frightened apparently, so that it is deliberately delaying to introduce the regulation. Financial sector is fearful in reading our media portrayal that the commodity exchanges are allegedly facilitating massive capital flights. Investors are not ready to invest, and exchanges themselves, about a dozen of them, fear bankruptcy and government wrath – two blows at once. So much so, the writers of a report, which is the root cause of this entire fuss, are even more terribly frightened to find how their very first experience of learning to write a serious report is faced with a hard rock.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">In fact, there is no surprise element in this. Nepalis are culturally averse to the very concept of contracts of any type. Take some examples, we recently sent out the contractor of Melamchi project. Our national flag carrier is at the verge of collapse for failing to strike a contract to purchase an aircraft. People even at the grassroots are determined to stop any development project that has potentials to be contracted. Trade unions resisted the introduction of the employment contract in manufacturing and services sectors. Therefore, much of the hue and cry over the commodities futures markets comes from our inherent disgust to contracts than anything serious like growing risk in investment, i.e. losing money, or even the capital flight.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">True that some feel that trading in the futures markets is like gambling in casinos. But still, Nepalis have not stopped going into casinos even knowing that it is absolutely illegal and there is well over 95% chance of losing money. But futures are not casinos; they are just ‘like’ them, as monkey is like man.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">This also implicitly means that other investments are not like casinos but they are like bank deposits with 200 percent guarantees of annual interest. This would also mean that thousands of investors in the Nepali stocks are in merry-making mood, thousands of industrialists and businessmen are making enjoying an impressive rate of return on their investment now. And, in a nutshell, Nepali economy except for the commodities futures market is stainless and trouble free. Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state.</span></p>
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	<span myriad="" style="font-size:10.0pt;
mso-bidi-font-family:">The flight of the capital, of course, there has been. Look at the rate of exchange for Rs100 Indian currency against Rs 168 in the ‘open’ black market. Despite the revered central bank’s repeated assurances that they have big pile of foreign currency reserves, no bank is able to give you more than 200 dollars in cash notes against your travel documents’ entitlement of 2,500 USD. This proves that every convertible currency available is flying away. But, all this has happened when the transactions in these futures exchanges got virtually halted. So, such flight must have taken place through tunnels and trenches dug during the jungle warfare by the brothers and sisters of Mao, Lenin and Che Guevara, who incidentally are now in government. And they only know for sure where exactly these holes, tunnels and trenches exist.</span></p>
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	<span myriad="" style="font-size:10.0pt;line-height:115%;mso-bidi-font-family:
">Again, coming back to the culture, the commodity exchanges should take into consideration that we Nepali firmly believe in -- the on-the-spot delivery of things. When a political party or a trade union asks for ‘donation’, it must be given then and there, otherwise your life may be delivered to God on-the-spot. If you buy or sell house or land or car, you must give or take physical cash – no cheques, no drafts. Even the government official concerned wants to be witness to such delivery. No one believes that he or she is owner of, say, a kilo of gold bought online, if the person cannot materially touch it. May be, these futures exchanges also have to physically deliver something in exchange of a regulation that they are demanding it for so long.</span></p>
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	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
"><img alt="madanlamsal" border="1" height="161" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/madan.jpg" vspace="10" width="177" /><br />
	<span style="font-size:14px;">&nbsp;&nbsp;&nbsp;&nbsp; By:&nbsp; Madan Lamsal</span></span></p>
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	The Magic of Poverty Cards</p>
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	<span style="font-size:15.0pt;color:#211D1E"><br />
	If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br />
	<img alt="no laughing matter" border="1" height="313" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(2).jpg" vspace="10" width="341" /><br />
	<br />
	</span><span class="A13"><span new="" style="font-size:59.0pt;mso-bidi-font-family:" times="">P</span></span><span new="" style="font-size:10.0pt;mso-bidi-font-family:" times="">overty is pervasive as pervasive are the communist ideologies, ideologues and leaders in Nepal. There could be many manifestations of the relations between the communism and the poverty. Since the communism is commonly interpreted as the dictatorship of proletariats, then all people first must be proletariat or belonging or possessing no material wealth; means absolute poor. Nepal is run by an ultra-left Maoist government, then, by definition every citizen of this country is a proletariat, or absolute poor.&nbsp; <br />
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	<span style="font-size:10.0pt;
color:#211D1E">How would you establish that every Nepali is in indeed a proletariat or poor? For this purpose, the Red government has a very innovative idea of distributing ‘Poverty Cards’ to every Nepali. And, to make sure that every Nepali is entitled to this card, the government has a full-proof plan of first evenly distributing the poverty among the entire populace by every means possible and then start beginning to distribute these MAGIC cards to each citizenry.<br style="mso-special-character:line-break" />
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<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">Some may have seen recent industrial unrest, largely created by the trade unions affiliated to ruling, or if not, to this or that Left Party, as detrimental to national prosperity. But, in fact that is a well planned communist strategy of making every one poor as soon as possible so that the capitalist entrepreneurs of today, labourers and the men in the streets -- all alike can become eligible to get these ‘poverty cards.’<br />
	<br />
	The government has rightly assigned the donor funded Poverty Alleviation Fund (PAF) to lead this drive to distribute the poverty card. The Fund is all set to start this mission in this very month of September itself. The choice of PAF for the task too is a very appropriate as it is the only institution in the country that has experience of distributing anything related to poverty, including the poverty itself say some.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">Who are the poor? It is the commonplace knowledge that the citizen who does not possess any asset is the poor. Got some clue on why all the leaders of the ruling United Maoist party including its charismatic Chairman Prachanda and Prime Minister Baburam Bhattarai had reiterated that they would surrender all their property in the name of their party? They were in fact making themselves eligible to get this ‘poverty card.’ Not only that, right since the beginning of the guerrilla war, the party also greatly helped to make citizens properly qualified for the card by confiscating the land, houses and property or physically eliminating them who were not instantly becoming poor at the Maoist will.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">All these instances suggest that this ‘card distribution programmme’ is going to be a great success and an event of real national pride. Every citizen of this country is sure to get it. If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">What does this card do? A simple answer is: it will be a magic card capable of providing everything for the one who holds it -- food, education, health services, employment, unemployment benefit, or you just name it. They can also function as the credit cards as well. <br style="mso-special-character:line-break" />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:10.0pt;line-height:115%;color:#211D1E">Then, who all will get this is anybody’s guess! But you can have some hint by the choice of the 25 districts put in the first priority, including Rukum, Rolpa, Gorkha, and Chitwan to distribute these cards. Why these districts? Rukum and Rolpa are where Maoists started the ambitious program of making every Nepali a proletariat and dispensation akin to proletariat dictatorship. Gorkha and Chitwan are the districts where the Maoist numero-uno Prachanda and PM Baburam hail from. Even before that, it goes without saying that all these leaders living in Kathmandu without ‘anything’ would be getting the privilege of this card. We are just waiting to see this card doing the MAGIC.<br />
	</span></p>',
			'published' => true,
			'created' => '2012-10-11',
			'modified' => '2012-10-31',
			'keywords' => '',
			'description' => 'If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.',
			'sortorder' => '610',
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	(int) 7 => array(
		'Article' => array(
			'id' => '675',
			'article_category_id' => '48',
			'title' => 'E-merged Banks',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="no laughing matter" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/featuredbackground(6).jpg" style="width: 158px; height: 85px;" vspace="5" /></p>
<p>
	 </p>
<p>
	<img alt="emerged banks" border="1" height="541" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughimgmatter.jpg" vspace="5" width="300" /><br />
	<br />
	<br />
	Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly. <br />
	<br />
	The e-merging trend is interesting as by now not only the marriage between two firms but a third party has also begun to creep in, rather unexpectedly. The new mergres are sure to go beyond the diagonal or triangular, and can be expected to go further to attracting potential entities from a quadrangular, pentagonal or hexagonal directions, in dozens and scores. This drive towards unity in the financial sector, completely opposite to the nation’s march towards diversity and division in the name of federalism in the realm of politics, is surely awe-inspiring. <br />
	<br />
	With this pace of mergers, the days are not far away that there will soon be only three banks in Nepal– the central bank, a governmentowned bank and a private sector bank But with the mergers, a new problem has also emerged – problem a suitable name for the new entity created. If banks A, B and C are merging, A cannot accept the new bank be named B or C. same goes for B and C. If they name the new entity ABC, again there is problem because in this case A will be happier than B and C as A comes first in the name. They cannot name it BCA or CAB either for the same reason. Hundreds of banks, development banks, finance companies, micro-finance companies and thousands of saving cooperatives in existence have seemingly used up all the conceivable names. And many of the banks have also used names like those of the international banks, thereby narrowing the possibility of picking up a good foreign name. <br />
	<br />
	But they need not panic as the new trend in the international market is to take funny names, unlike serious names so far chosen by Nepali banks. The customers find it easier to remember such names thus ensuring top of the mind recall, as they say in marketing jargon. Look at these names of foreign banks: Redneck Bank, Blue Ball National Bank, Tightwad Bank, First National Bank, The Fifth Third Bank, Moody National Bank etc. <br />
	<br />
	Therefore, my suggestion to the emerging Nepali banks is to go for off-the-beat names that may reflect more accurately the character of the Board Chairman, CEO or Promoter Group. Few suggestions: <br />
	<br />
	<strong><br />
	• Topless Bank Ltd. <br />
	<br />
	• Freak Bank <br />
	<br />
	• The Drunken Liar Ltd. <br />
	<br />
	• Mom, Dad &amp; Sons Bank Ltd. <br />
	<br />
	• Shook and Hook Bank <br />
	<br />
	• Siphon and Run Bank <br />
	<br />
	• Doodle and Drown Bank and so on </strong><br />
	<br />
	<br />
	<br />
	Even your branch, products or bank account names could be different. For example: Pig (not big) Savings Accounts, Beauty Parlour Branch etc. Similarly, instead Oldage Saving Accounts you can have Bald Saving Accounts; instead of Supreme Saving Accounts you can have Superman or Spiderman Saving Scheme. <br />
	<br />
	But at this juncture, the banks must be mindful to pick the word from the right language. As you know many of schools and collages with the English name are now targets of the sister or brother organizations of our political parties. May be tomorrow, such very anglicized names could prove eye pricking to this or that party. I would not advise here in to go for Nepali lexicon directly as Nepal is hopefully be federalized that is why the banks also need to learn to dance in the local tune means choose a right language. <br />
	 </p>',
			'published' => true,
			'created' => '2012-08-15',
			'modified' => '2012-10-10',
			'keywords' => '',
			'description' => 'Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly.',
			'sortorder' => '572',
			'image' => null,
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	),
	(int) 8 => array(
		'Article' => array(
			'id' => '647',
			'article_category_id' => '48',
			'title' => 'Budget Of Vision 50',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="madan lamsal" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/madanlamsal(3).jpg" style="width: 91px; height: 114px;" vspace="5" /><br />
	<br />
	<strong>By Madan Lamsal </strong><br />
	<br />
	<br />
	The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may. Because, he has a vision for both long and short-terms. As a long term, it is publicly declared objective of the FM’s party to endow Nepal a proletarian dictatorship veering out the country from the clutches of the influence of expansionist, imperialist, capitalist and revisionist powers of the world. To meet this end, FM’s party thinks that it should rule the country for another fifty years. And how can that be possible without bringing about a full-fledged budget, which actually lays foundation stone to rule for next five decades? <br />
	<br />
	<img align="left" alt="no laughing matter" border="1" height="348" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(1).jpg" style="margin:10px;padding:10px;" vspace="5" width="300" /><br />
	<br />
	<br />
	Who will implement this great vision? Simply, the cadres of own party. No less ! No more !! “Therefore, we are going to increase budget allocation on headings that will send money straight either to the party whole-timers or grassroots people of our party,” the FM remarked during a lunchtime press conference last week. <br />
	<br />
	<br />
	On the occasion, the FM also made a number of supplementary plans public. One, the government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Two, the government would treat every Nepali like his party cadre and every cadre of party as Nepali. “Once we start calling it fixed deposit we will get additional leeway to implement our different policies including subsidy in arms and ammunitions, if not in fertilizer,” said the FM. <br />
	<br />
	<br />
	The short term vision of the budget would rightly be on the November elections and the economic benefits of it. FM shared that the declaration of these polls was in fact a well-thought about strategy to revive the economy. Therefore, the government is dead against revival of the dead Constituent Assembly, he declared. According to him, the salaries paid to the CA members and ministers and the rise given in that from time to time, saved the country’s economy going into recession for the last four years. “But the potency of that trick was declining with the passing months. So we declared election,’ he explained. <br />
	<br />
	<br />
	He viewed that the businesses were becoming stingier in the recent months making it difficult for the government to collect more taxes which could be given by the government to the party cadres to generate economic activities. He also divulged that the CA members who represented the poor in the past elections were no longer poorer as they collected enough money over the last four years. Thus, they were spending less and saving more out of their salary and perks. This explains how well our FM understands the famous theory of economics that the marginal propensity to consume for an individual goes down with every increase in the income. <br />
	<br />
	<br />
	Elaborating on how the elections will revive the economy, the FM said: “This will give double whammy. The politicians are likely to flow out the money they have stashed in their vaults into the economy. This money will be spent in the elections and that will create economies of scale. When the new set of people gets elected, a new round of consumer spending from the salary they get will be started. That will give a new fillip to the economy.” Looks like his party is determined to rule for next fifty years. <br />
	<br />
	<br />
	 </p>',
			'published' => true,
			'created' => '2012-08-09',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may.',
			'sortorder' => '547',
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	),
	(int) 9 => array(
		'Article' => array(
			'id' => '583',
			'article_category_id' => '48',
			'title' => 'Redawn Of PE Era',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img align="top" alt="" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/comedy.jpg" style="width: 112px; height: 136px;" vspace="5" width="112" /></p>
<p>
	Except for one or two, all 36 public enterprises (PEs) of Nepal are in huge losses. Dairy Development Corp is already in milk which is rotting and stinking. The Gorakhkali Tyre has become flat. National flag carrier NAC, has lost the nose. (Nac in Nepali means nose). Nepal Oil Corporation (NOC) has already burnt the midnight oil. Nobody knows how ensured is Rastriya Beema Sansthan, the state-owned insurance company, as it its accounts are not audited for almost a decade.</p>
<p>
	<img align="middle" alt="no laughing matter" border="5" height="252" hspace="1" src="http://newbusinessage.com/ckfinder/userfiles/Images/joke.jpg" vspace="1" width="300" /></p>
<p>
	Should we talk about Kathmandu Upatyaka Khanepani Ltd. (KUKL)? Ordinary Nepali people get confused reading KUKL as it sounds like KAKAKUL which means a legendary bird that is always thirsty. Nepal Electricity Authority (NEA), that has monopoly on power trade is running in loss as it is busy in trading power at political circles than in power circuits.</p>
<p>
	So far Nepal Telecom is proving itself one exception as it is still in profit. However, it too has started trembling after the entry of a heavyweight competitor in the form of Ncell. Then there is a cigarette company PE which is blowing in the air. Similalry, the two cement PEs are all set to kick the dust.</p>
<p>
	But the government is determined to continue keeping these enterprises by funneling money they need to survive. The vowed purpose is evident. The political parties who run the governemnt in turn are in fact waging employment revolution in the country by appointing their cadres to various positions in the PEs. In doing so, the parties have effected another revolution: they have waived the traditional and thus regressive criteria of education and experience to get a job in these PEs. Only one criterion that needs to be fulfilled is that one must be a blind-supporter of the political party in power. So, one eighth-grader runs NAC and a head clerk is recently made GM in National Trading Ltd.</p>
<p>
	All these great things have been possible only because of our revolutionary Prime Minister. As it became clear that his party cadres are no more going to get salary from the government coffer, he was quick to place many of them in the PEs as well as private sector corporate houses. Our PM had announced his determination to develop the country very fast with a leap-frogging pace, when he was the Finance Minister some years back. According to his philosophy, you can develop the country by hook or by crook. And for Nepal he has picked-up only the latter part of the model i.e. by crook or crooked ideas.</p>
<p>
	To develop an economy you should first open factories or firms and create employment. For that you need to import machines and raw materials and construct roads and buildings. For that you need a lot of money. Since the Nepali government does not have any money left after paying the party cadres in any possible pretext, the government has adopted this short-cut route to development through PE, just as a replica of Panchayat hay-days under King Mahendra.&nbsp;</p>
<p>
	 </p>',
			'published' => true,
			'created' => '2012-02-22',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Our PM had announced his determination to develop
the country very fast with a leap-frogging pace, when he
was the Finance Minister some years back.',
			'sortorder' => '485',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
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	),
	(int) 10 => array(
		'Article' => array(
			'id' => '526',
			'article_category_id' => '48',
			'title' => 'See The Sea Change',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="" border="1" hspace="10" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/madanlamsal.jpg" style="width: 103px; height: 127px;" vspace="10" /><br />
	<strong>By Madan Lamsal <br />
	</strong><br />
	<br />
	It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed. <br />
	<br />
	<br />
	In the past, the industrialists used to run the hotels, factories or companies. But at present it is the trade unions that do that job. In the past the businessmen had lot of money, today all the money is either with the politicians and bureaucrats or dons. In the past it was License Raj, today it is Goondaraj, which is claimed to be the Nepali version of free market economy. Therefore, in the past one got the license after the officers felt the criteria were met.</p>
<p>
	 </p>
<p>
	<img alt="" height="249" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/laugingmatter.jpg" width="400" /><br />
	<br />
	In the past, the job of the police was to prevent the thieves from stealing or the robbers from looting those connected to Narayanhity Durbar, now their job is at jeopardy if the let-loose bandits connected to the Durbars at Paris Danda, Balkhu and Sanepa is even suspected by the police. These days people feel comfortable to see the bandits to whom they pay weekly charge called hafta. Rather they disdain the appearance of politicians who nowadays enjoy the larger chunk of the same hafta. <br />
	<br />
	<br />
	The public corporations used to be rich by earning handsome profit. Now the affluence has shifted to their employees and politicians and the corporations are in ramshackle. In those old good days, sick people used to get good after visiting a doctor. But today, even a healthy person becomes sick as soon as he/she sees the one. There was a time when fat man in the street generally meant a businessman or a rich fellow. Businessmen used to run or morning walk to burn their fat. <br />
	<br />
	<br />
	Today, all their fat is taken away some by the banks, some by the politicians and some by the extortionist Goondas. But now, they who are in trouble don't need to panic thinking about the tricks of suicide. It is just that they need to come out of building home or office, a shooter might be standing right at the doorstep to facilitate his journey to heaven. Originally, educational institutions were means for social service and were opened to educate and inculcate moral values and culture in the heads of the students. Today schools and colleges are opened solely for profit. Students too, used to attend the classes. <br />
	<br />
	<br />
	Their objectives these days is to be in demonstrations and at the service of political leaders if they are in the government colleges, or for dating if they are from five-star private colleges. Even the fashion has gone a sea change. Those were days when the girls had long hairs and wore the earrings. Today it is just the opposite - the boys have taken up the girls fashion and vice-versa. Nowadays men have started to marry men and women have started to marry women. Dating spots too have changed from the zoos and parks to the shopping malls or department stores. <br />
	<br />
	<br />
	These are only a few instances of a massive changes that are going around us. But it is the media that has failed to embrace the fast pace of changes. Like in the past most media enjoy portraying good to a political patron regardless of how bad he could be. <br />
	<br />
	<br />
	So, is not it the time to change for media too? <br />
	 </p>',
			'published' => true,
			'created' => '2012-01-21',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed.',
			'sortorder' => '430',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
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	),
	(int) 11 => array(
		'Article' => array(
			'id' => '478',
			'article_category_id' => '48',
			'title' => 'Nepal In 10 Years (October 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div>
	<div style="text-align: justify;">
		<strong><img align="left" alt="nolaughingmatter" border="1" height="173" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(3).jpg" style="width: 143px; height: 173px;margin:10px;padding:10px;" vspace="5" width="143" />By Madan Lamsal</strong></div>
	<div style="text-align: justify;">
		<strong><br />
		</strong></div>
</div>
<div style="text-align: justify;">
	Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay. But I feel otherwise. In 10 years, Nepal will be at par to fully developed countries and livable like a heaven. At least the words and actions of Nepal's business community, government and the main political leaders clearly indicate to that.</div>
<div style="text-align: justify;">
	<br />
	In recent years, many of Nepali entrepreneurs have proved themselves very innovative in businesses by selling sweets to cereals and setting-up restaurants to bottling water plants. Nepal's private sector has shown a true entrepreneurial spirit.&nbsp;They know how to exploit the ignorance of common people by taking advantage of true free market of Nepal, regulated by none but only Lord Pashupatinath.</div>
<div style="text-align: justify;">
	<br />
	<br />
	The foreigners must be watching all these developments with very keen interest. Therefore, within 10 years Nepal will receive thousands of foreign direct investments (FDI). Because, foreign investors have already seen that there is almost zero FDI in this country except few Indian joint ventures companies struggling here to breathe. Therefore, it is a virgin land for them to invest. Foreigners may have also observed that Nepali workers have been working in foreign countries with paltry salary and they are so loyal there. If these very Nepalis are given jobs in their homeland they will definitely be happier and more loyal to the FDIs. Moreover, the new Finance Minister, who <img align="left" alt="nolaughingmatter" border="1" height="414" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/oct-no laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="350" />is said to be the man with action or man with a gun, has already said that year 2012 will be the ' Year for Investment '.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In 10 years Nepal plans to attract more than 20 million tourists a year. Because two years ago Prachanda, the then PM of the Maoist government had announced that Nepal will receive 2 million tourists in 10 years time. Again Maoist is in the power now. So we can definitely hope that they will force many tourists to visit Nepal. They will visit Nepal as well as they do to Vietnam or Russia to see the truly endangered disciples of Lenin and Che Guevara. Tourists will not visit Nepal only to see mountains or for trekking but to get hold of the rarest sights like the YCL camps at factories and to see their commandos' street gang-fights.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In a decade, Nepal will produce at least 20,000 megawatt electricity not from the hydropower but from road garbage, wind and cow dung, etc. The impact will be such that Nepal will no more need to import petroleum. By then power consumption will increase so much that export of electricity will be obsolete issue. India, who has been waiting for Nepal's electricity for her industrial growth will be bewildered. The pipeline for petroleum that has been laid out from Lhasa to Khasa of China will be useless. Rather, Nepal will earn a lot of money from the carbon trading because of zero consumption of petroleum products.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	Many foreigners from American to Europeans and from Japanese to Singaporeans will apply for working visa here as many of them want to work in the developed Nepal in 10 years time. So there will be a huge problem of illegal foreign workers. So the main task of almost all foreign diplomats' in Nepal will be to seek an appointment with Nepali leaders to rescue their citizens from different illegal indulgences.</div>',
			'published' => true,
			'created' => '2011-10-11',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay...............',
			'sortorder' => '388',
			'image' => null,
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	),
	(int) 12 => array(
		'Article' => array(
			'id' => '437',
			'article_category_id' => '48',
			'title' => 'The Third-party Miracle (september 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="border-width: medium medium 1pt; border-style: none none solid; border-color: -moz-use-text-color -moz-use-text-color rgb(196, 21, 28); padding: 0in 0in 2pt;">
	<div style="text-align: justify;">
		<span style="font-size:12px;"><strong><img align="left" alt="lauging" border="2" height="167" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(2).jpg" style="width: 137px; height: 167px;margin:10px;padding:10px;" vspace="10" width="137" />By Madan Lamsal</strong><br />
		<br />
		The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number of agents to net a small fry who would ultimately agree to buy their policy. But, these days, their business is so smoothly automated, money floods into the office by any minor economic activity a nouveau riche carries out. No sooner, one buys a private car, a taxi or a rental minibus, the premium amount in the name of the third party insurance automatically flows into insurance company account.<br />
		<br />
		There are other advantages of the third party insurance. This particular insurance has embedded self-defense mechanism. For example, more vehicles means more premium. Also, it means more traffic jams on the road. That means less speed, and less accidents. Lesser number of accidents naturally results in highly reduced claim on insurance. This is truly a full-proof proposition. All these have contributed to balloon-up the premium collection. And more profits, more leisure time for the insurance company executives. <br />
		<br />
		<img align="left" alt="nolaughingmatter" border="2" height="329" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="400" />This leisure has provided some value-time for the top insurance executives to be more creative to think about truly new product, as effective as the third party. In a meeting of a group of CEOs, the most imaginative one proposed that they must launch the third party insurance product for the aeroplanes and bicycles. The other one seconded, bicycles are perfectly ok but the aeroplane products must be thoroughly researched.<br />
		<br />
		<br />
		Objected the third, Only thing we must think about is not the product research but to identify the party that can force some sort of insurance. Look, how some of the foreign missions have been great help to us. They have made the travel and host country health insurance compulsory to issue a visa. Every traveler pays the premium for this but never comes back to claim anything.<br />
		<br />
		<br />
		The next volunteered, even if they did, the companies could easily shirk away saying that the coverage was just for minor illnesses like common cold or fever. Because no one asks what is covered in a haste to get visa, such insurance is always uncertain even to those Nepalis who is in who's-who list.<br />
		<br />
		<br />
		But many thought ˜the third party airplane insurance was indeed a marvellous idea. So, the group assigned to explore the possibility to two chosen energetic CEOs. For the purpose, they flew by a plane to a new destination together. Both of them had bought flight insurance. After landing at the airport the other end, one remarked, "What a wastage! The premium we paid for the flight insurance went in vain."</span><span style="font-size:12px;"><span style="line-height: 115%;"> Other one evaluated, but, you see, third party air insurance seems to be real good proposition as aeroplane is unlikely to hit and kill anything en route. Thus entire premium gets saved for the company.<br />
		<br />
		<br />
		<br />
		<br />
		</span> </span></div>
</div>',
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			'created' => '2011-09-28',
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			'description' => 'The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number.....',
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		'Article' => array(
			'id' => '415',
			'article_category_id' => '48',
			'title' => 'Nepal Can't Be Overpopulated (august 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="margin-bottom: 0.0001pt; line-height: 120%; vertical-align: middle; text-align: justify;">
	<span style="font-size:12px;"><i><span style="line-height: 120%;"><img align="left" alt="madan" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(6).jpg" style="width: 112px; height: 136px;margin:10px;padding:10px;" vspace="5" width="112" />By Madan Lamsal</span></i></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><span style="color: rgb(134, 55, 59); letter-spacing: -0.05pt;">E</span><span style="letter-spacing: -0.05pt;">ver since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really overpopulated. People have started to ask the same question to several experts and not so experts, politicians and economists. And the answers that come about are very interesting.&nbsp;</span></span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Some samples of the answers: Nepali Congress leaders say: Nepal is not overpopulated. The reason as furnished by a leftist politician is that, for capitalists like the Nepali Congres ,the bigger the population, the higher the voter base. So the population is less until the Congress gets enough votes to form the government.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">If you ask a Hindu or a Muslim or a Christian fundamentalist, the answer is still no. Because, to religious leaders, the fear of being outnumbered by the other religion is persistent and they believe that Pashupatinath, Allah or Christ will come to feed any size of population.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">But, an&nbsp;immigration officer is most likely to say yes, Nepal is overpopulated ! This is because he must be getting tired of processing thousands travel documents of youth going abroad everyday. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">But the economists are unlikely to say either yes or no. They will only say: the moment a country has overpopulation, it will not be able to sustain any addition in the population. Some of them may even advise you to read Danish economist Ester Boserup who made strong case in support of population growth for the economic benefit of the country. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;"><img align="left" alt="madan" border="1" height="399" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/economy.jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Whatever the people of different background may say, It is futile to worry about the size of the population. Because, more people, more production, more money, more consumption, more profit to the companies and more revenue to the government and more donations to the political parties and opportunity for more extortions to the affiliates of political parties of different hues and colours. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Even with a population close to 30 million we have been able to feed ourselves. We don't need to worry about gainful employment here within the country, as overseas employment will be in abundance as long as Nepalis agree to work for the pay just enough to foot the travel bill and payback the loan gotten to fly abroad, after five years of work. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">This means your country's income grows only when your people go abroad and send in money from there. That was so simple to understand for our forefathers who started the system of Lahure, i.e. sending people abroad (Lahore at that time) for earning. The same is being done today. And this should be expanded. This requires our population to increase further so that more people will go abroad and Nepal will earn more. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: 0.1pt;">Nepali economy is live and kicking just because of a growing population. Not only migrant workers, see it from every angle, the population growth is a must for economic growth. As more babies are born,&nbsp; the more diapers will be sold and there will be higher profits for such companies and a bigger pay rise to their&nbsp; employees.&nbsp;Therefore, clearly, the hue and cry of overpopulation in Nepal is an absolute anti-thesis to country's economic growth and people's well-being. </span></span></div>',
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			'article_category_id' => '48',
			'title' => 'Changing Face Of Crisis (july 2011)',
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			'content' => '<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 120%; vertical-align: middle;">
	<span style="color: rgb(178, 34, 34);"><i><span style="font-size: 8pt; line-height: 120%;"><img align="left" alt="madan" border="1" height="108" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img2(3).jpg" style="width: 90px; height: 108px;margin:10px;padding:10px;" vspace="5" width="90" />By Madan Lamsal<br />
	<br />
	<br />
	</span></i></span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 10.5pt;">T</span><span style="font-size: 9.5pt;">hese days, if you encounter any crestfallen wo/man with faded pulchritude and desperate to reach somewhere sooner, s/he could easily be a banker. With the collapse of BFIs in a row, even the CEO of healthiest of these institutions is sacred to the hilt. Simply because, before one could explain the robustness of his or her institutions, things are seen going out of hand of these expert managers.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">Except those under the government raincoat, almost all BFIs are feeling the pinch of acid-rain, some term it liquidity- and others lucre-dity-driven crisis. And every crisis is a god-sent lottery to some, and so called older and large banks are now enjoying the unprecedented deposit flow when their smaller and younger fellows gasp for life.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">The lifestyle, personality and approach of the CEOs of many of these BFIs have completely changed. They have ceased to wear tie. Harrods tweed has been replaced by Bangkok boutique. Razor sharp creases of the dress have disappeared and, instead of driving individual cars, many senior executives of an institution are seen stacked in single vehicle. They are not doing it for their security by feigning move-incognito, but all of them are putting these sincere efforts to support the Nepal Rastra Bank Governor's objectives to bring down the national inflation to a single digit. In cocktails, they hardly speak. Even if they do, they just mew. Their eyes are anxious not to bump with any guy from Baluwatar, by chance. Who knows, a prestigious banker today may be arrested by the police on the criminal charges of elbowing a central banker in a cocktail party?</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;"><img align="right" alt="laughing" border="1" height="248" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(5).jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Early in the morning, these CEOs dread to read the newspapers. They feel the unusual urge to pee while reading the news about the rampage and killings by wild elephants in the districts like Jhapa. They hallucinate that snores and roars of the Jhapali animals is also coming out of the Baluwatar woods, perhaps without knowing the Jhapa influence in the present day Nepali financial sector. Some CEOs are also scared that, regardless of the financial credentials of their institution, they would be chased by one powerful Jhapali to apparently to install another Jhapali in the CEOs position, in addition to a couple of peripheral advisors to add the operational cost of the purportedly crumbling institution. </span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	<span style="font-size: 9.5pt; line-height: 115%;">But there are more than one solutions to these woes of poor CEOs. First, they must confess that they didn’t know any previous governor or deputy governor of the central bank to vindicate an unflinching loyalty to the present central bank leadership. Second, even if they knew some, they continuously profess that all former Rastra Bank officials including the governor were unprofessional, unqualified and dirty people; and responsible for present mess in the financial system. Also remember to communicate your allegiance to the party that made history by launching the Jhapa andolan. And, don’t commit foolish mistake of visiting new bungalow of the governor worth crores as that may prove something else to his principled credentials as a true proletariat. These tips will surely help you if not your institution.<br />
	<br />
	<br />
	<br />
	</span></div>',
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			'id' => '885',
			'article_category_id' => '48',
			'title' => 'Poems By Professionals',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	Nepal&rsquo;s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty. Many businessmen and professionals have thus tried to solace themselves by expressing pangs and pains in poetry. Here are few scattered pieces of poems taken from their diary. Please read them all:</p>
<p>
	&nbsp;</p>
<p>
	&nbsp;</p>
<p>
	<strong>From a banker:</strong></p>
<p>
	<em>A liquidity crisis again envelops&nbsp;</em></p>
<p>
	<em>Base rate, KYC, Basel III to adhere</em></p>
<p>
	<em>In a market highly flawed</em></p>
<p>
	<em>By the grace of self declared Gods.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a realtor:</strong></p>
<p>
	<em>It boggles me how fast</em></p>
<p>
	<em>The land under me caved in</em></p>
<p>
	<em>Why all fingers pointed to me</em></p>
<p>
	<em>Not the chaps aired the bubble first?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a jeweler:</strong></p>
<p>
	<em>Random walk of &nbsp;price of gold</em></p>
<p>
	<em>Sellers are at the hold</em></p>
<p>
	<em>Buyers feel over-sold.</em></p>
<p>
	<em>But the reality is never told.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an investor:</strong></p>
<p>
	<em>Just look at the NEPSE index</em></p>
<p>
	<em>Leaves anyone always perplexed</em></p>
<p>
	<em>As market is bullish taking on risk</em></p>
<p>
	<em>Erring politics smashes it in brisk.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an economist:</strong></p>
<p>
	<em>The affair of the state is iffy&nbsp;</em></p>
<p>
	<em>The guardian angels acting sneaky&nbsp;</em></p>
<p>
	<em>The mood is damp, almost piffy</em></p>
<p>
	<em>And economy stands fiscal cliffy.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a wage-earner:</strong></p>
<p>
	<em>No job, what else to mention?&nbsp;</em></p>
<p>
	<em>No relief from perennial privation,</em></p>
<p>
	<em>The minimum wage in the nation</em></p>
<p>
	<em>Is never tied to the rate of inflation.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a business leader:</strong></p>
<p>
	<em>We must certainly preface&nbsp;</em></p>
<p>
	<em>Taxing few honest and rich</em></p>
<p>
	<em>As the socialists these days profess</em></p>
<p>
	<em>Will not fill ravine of whopping deficit.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a social planner:</strong></p>
<p>
	<em>We are finding it absurd</em></p>
<p>
	<em>Plans we heard were never delivered</em></p>
<p>
	<em>But all the party comrades did prosper&nbsp;</em></p>
<p>
	<em>People left to have suicide preferred.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a political economist</strong></p>
<p>
	<em>When will parties exhibit maturity?</em></p>
<p>
	<em>Help create stable income and security</em></p>
<p>
	<em>So there could be a sense of certainty&nbsp;</em></p>
<p>
	<em>And markets start to behave with surety.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a planner:</strong></p>
<p>
	<em>Do policy makers really have any plan</em></p>
<p>
	<em>On jobs, inflation and population?</em></p>
<p>
	<em>If it isn&rsquo;t the leaders concern&nbsp;</em></p>
<p>
	<em>What if we lose our temper soon?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>Finally, from a voter:</strong></p>
<p>
	<em>Our ears can&rsquo;t hear anymore sermon</em></p>
<p>
	<em>About job creation and developed nation.</em></p>
<p>
	<em>We need more apprenticeship skills</em></p>
<p>
	<em>That meets our needs and fixes growth ills.&nbsp;</em></p>
<p>
	<em>Is there anybody to listen?</em></p>
<div>
	&nbsp;</div>',
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			'created' => '2013-03-23',
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			'description' => 'Nepal’s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty.',
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			'id' => '882',
			'article_category_id' => '48',
			'title' => 'New Financial Lexicon',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for. Some examples from a non-exhaustive glossary:&nbsp;</p>
<p style="text-align: justify;">
	<strong>Accrued Interest:</strong> An accumulated interest due in the account of the most-favoured borrower of the bank, which may never be paid.</p>
<p style="text-align: justify;">
	<strong>ACH:</strong> Association of Clever Herds, representing the corporate world created to buy time from their wives.</p>
<p style="text-align: justify;">
	<strong>AML:</strong> A new disease called Acute Myeloid Leukemia diagnosed among some businessmen caused by the flu emanating from Anti Money Laundering (AML) Act.</p>
<p style="text-align: justify;">
	<strong>Appraisal:</strong> An annual drama of awarding a crony of the management for promotion or favouring a mediocre firm at the cost of the best performer without connections.&nbsp;</p>
<p style="text-align: justify;">
	<strong>APR: </strong>A commonly used tool to make customers April Fools, previously known as Annual Percentage Rate.</p>
<p style="text-align: justify;">
	<strong>ATM:</strong> Any Time Malfunction machine to dispense money even from your own account.</p>
<p style="text-align: justify;">
	<strong>Availability Date:</strong> A choreographed schedule of senior bank officials to prove that they actually work sometime, if available for the cause of common business interests.</p>
<p style="text-align: justify;">
	<strong>Availability Policy:</strong> Bank&#39;s policy to indirectly announce its liquidity position by fixing the date when funds deposited into an account will be actually available for withdrawal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank Custodian:</strong> The Central bank, in case of Nepal NRB, is a specialized police custody for the bankers who remain recalcitrant to follow NRB directives issued not necessarily to maintain the safety of depositors&rsquo; assets but to prove that the central bank actually has some teeth and may bite anyone it doesn&#39;t like.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank:</strong> A glassed cage where you are made to feel like a pig when entered and your assets are valuated only a quarter of what they are actually worth for, and you cannot have any say at any point in time whether you deposit or borrow.</p>
<p style="text-align: justify;">
	<strong>Bankrupt:</strong> New certificate of dignity to most of the clients of most of the banks. And you can justify it by talking all day about recession.</p>
<p style="text-align: justify;">
	<strong>Bear Market:</strong> A cool alcoholic fizzy drink for the losers in the capital market, synonymous with the beer market.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Billionaire:</strong> A rare breed of individuals in Nepal who have never made their books of accounts public and never proved to have done illegal things.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bull Market: </strong>A market place where oxen are sold and bought by the farmers right before the farming season.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Capitalism:</strong> A policy of almost every political party of Nepal that doesn&#39;t believe in anything less than accumulating capital by hook or by crook.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Collateral:</strong> A single basis of evaluating the borrower&#39;s credit-worthiness in the Nepali banking system, without which Nepali banks cannot even breathe. Things like credit records or project viabilities of the borrowers are bull sheet.</p>
<p style="text-align: justify;">
	<strong>Co-Signer:</strong> An individual who sings in the tune of the boss in the bank, also known as a co-maker.</p>
<p style="text-align: justify;">
	<strong>Deferred Payment: </strong>An act of postponing the payment for a future date which never comes; which has now become a widespread practice in the Nepali banking industry.</p>
<p style="text-align: justify;">
	<strong>Depression:</strong> A psychological phenomena reflecting the state of mind of the citizens, caused by the long run gloomy outlook of the economy.</p>
<p style="text-align: justify;">
	<strong>EBIT: </strong>Bank&#39;s earnings before irregularities and tampering.</p>
<p style="text-align: justify;">
	<strong>Electronic Banking: </strong>&nbsp; An internet or mobile-based service of the banks that allows even a non account holder to obtain account information and manage certain banking transactions through a personal computer, directly logging into the financial institution&#39;s portal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>KYC:</strong> Kill Your Customer &nbsp;&nbsp;</p>
<p style="text-align: justify;">
	<strong>Mutual Fund:</strong> A mutual practice of distributing hefty loans among the CEOs of the banks in a turnkey basis so that they can invest in real estate business.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Outstanding Check:</strong> An errand boy standing outside the door of an office carrying a bank&#39;s check.</p>
<p style="text-align: justify;">
	<strong>SLR: </strong>Self-loading rifle belonging only to the central bank, used to rob the banks in the veil of statutory liquidity ratio.</p>
<p style="text-align: justify;">
	<strong>Stagflation:</strong> When it is the time for the Royal Stag, the leisure borne out of inflation-induced inaction.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Students&rsquo; Loan:</strong> Loans given to students to buy sporty bikes, so as to enable them to undertake a number of dating projects simultaneously.</p>
<div style="text-align: justify;">
	&nbsp;</div>',
			'published' => true,
			'created' => '2013-03-16',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for.',
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	(int) 2 => array(
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			'id' => '816',
			'article_category_id' => '48',
			'title' => 'Welcome To  ‘Baburo Airways’ Comrades And Commanders!',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	<img alt="" border="0" height="271" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/no_laughing_matter_jan2013.jpg" width="341" /></p>
<p style="text-align: justify;">
	Welcome to our own Nepal’s pride, Baburo Bhattarai &nbsp;Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.</p>
<p style="text-align: justify;">
	You will hear a number of rocking announcements about the poll-ethical weather by our buffalo herding head of the nation, which cannot alter our aim of smooth flight and destination. &nbsp;If you cannot trust me fully as pilot, you may rely on &nbsp;our single-focused co-pilot VJ Gachchr, who have a long experience in maneuvering flights that face troubles. Only thing is he charges extra whenever he has to save such flights led by over-dependent Baburo captain like me.Along with the members of VJ club of Try-Muddesh and trainee fright attendants, we also have side-attendant Ms Yummy with us to greed you. Now we are announcing some safety tips. Therefore, please shut up your mouth and eyes but keep your ears as wide as you can.</p>
<p style="text-align: justify;">
	First of all, I request all the passengers to open their umbrellas as we have a custom of doing so when we have information that there is rainfall in Delhi. When we are ready to take off, the passengers are requested to shout at the highest pitch to scare cows, monkeys and the vultures off the runway, let loose there by Congress, UML and RPP respectively.To entertain you to the hilt, our fright attendants are not wearing makeup today. However, they will be wearing wigs and parachutes hoping to look like clowns to remind you the last Christmas. But they actually look like ghosts of some Ramsey Brother’s late night TV shows.</p>
<p style="text-align: justify;">
	As there is no seat planning, the ones with muscle power can grab the front seats, the weak ones can sit on the stools or on the floor. If I see some near and dear ones of my own, umh! relatives of Ms Yummy, I will make sure they get very lucrative seats regardless of anything. Let me also inform that, I will not be able to listen to anyone except Ms Yummy when in Nepal and some of my gurus like Muni when in Delhi. Therefore, please do not shout if you have any problem.Though the original time for the return flight was for five months, but because of bad weather, that couldn’t be assured. We may reach the destination anytime soon, but the return flight is certainly not certain. We are not too sure about in what height we will be flying as there are lot of efforts going on to bring down my plane. As you know it will be my duty to save my plane even at the cost of passengers and some fellow flight staff. So, anyone might be kicked out of plane if required. So, be ready for an adventure skydiving trip for free and make sure you have your parachute ready for yourself.</p>
<p style="text-align: justify;">
	Our plane has four emergency doors. However, they will be opened only when we feel that we needed to vacate a seat to accommodate a new flight partner sacrificing an existing one to ensure my non-stop flight. We will fly between Delhi and Kathmandu on a regular basis. &nbsp;This will continue till we reach to a consensus that endorses the proposal such that this very captain with the same crew members is allowed to continue to fly this plane. Otherwise, this plane will never land on any airport. Even in case you arrive at your destination, don’t worry, you will be left in the middle of nowhere!</p>
<p style="text-align: justify;">
	Before you exit the plane, please make sure to gather all of your money and valuables. Anything left behind will be distributed among the fright attendants as we believe in common-ism and demons-crazy at the same time. After all, thank you for flying with Baburam Baburo &nbsp;Airways. I am not sure whether you enjoyed giving me an opportunity to be your captain, but I am ecstatic on being the captain of this flight, therefore unwilling to relinquish this pleasure anytime soon!&nbsp;</p>
<p style="text-align: justify;">
	Bon Voyage!</p>',
			'published' => true,
			'created' => '2013-03-14',
			'modified' => '2013-03-14',
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			'description' => 'Welcome to our own Nepal’s pride, Baburo Bhattarai  Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.',
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			'title' => 'No Laughing  Matter December 2012',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13"><img alt="nolaughingmatter" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(3).jpg" vspace="10" width="338" /><br />
	By Madan Lamsal</span></span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13">&nbsp;</span></span></p>
<p class="MsoNormal">
	<strong><span style="font-size:14px;"><span style="line-height: 115%; color: black;">Gangnam Baburam Style<br />
	<br />
	</span></span></strong><span style="font-size:14px;"><span class="A13"><img alt="gangnam" border="1" height="436" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/gangnam.jpg" vspace="10" width="600" /><br />
	</span></span></p>
<p class="Default" style="text-align:justify;line-height:10.05pt">
	<span style="font-size:14px;"><span class="A4"><span style="color: windowtext;">T</span></span><span style="color: windowtext;">he only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end. <br />
	</span></span></p>
<p class="Default">
	<span style="font-size:14px;"><br />
	In fact, the Nepali PM and Korean Pop star have many similarities. To increase viewership, as Psy appears on TV shows worldwide, our BRB stages TV shows like address to the nation very often and his efficient private secretariat makes sure that every move of him is recorded and posted to media. As the short form of Psy of Korea, people have started to call the pop star ‘Psy-Ko’, whereas BRB is already recognized at home as a ‘Psycho’ for his weird manners, permanent wear of anger on his face and schizophrenic self-righteousness. Perhaps the most notable similarity between Psy-Ko and Psycho is in their perspectives to view capitalists. While the Psy-Ko has made mockery of the hypocrisy of Gangnam aristocrats of Korea presenting them as riding on an non-existent horse, through dance metaphor, BRB back home has murdered many who he thought were capitalists. Who knows what he exactly plans next in this particular regard!</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">Despite so many similarities, it is truly unfair for BRB to go the opposite direction of Psy’s popularity chart. It truly warrants a deeper inquiry into such debacle of BRB’s popularity. Zoologists who know which creature is worth what and Hindu mythologists who know who should ride what animal as bahan (carrier) agree here that, this difference in popularity could have been caused by their difference in selecting the creature as means of their respective message carriers. Psy-Ko has chosen an imaginary horse and his every dance step represents how he is holding the reigns of a galloping horse, at different movements and speeds. Instead, our BRB for long has chosen a frog, leaping stochastically, which he can neither ride nor reign in.</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">If BRB is really dying for a Psy like popularity and his permanent anger is due to his failure to achieve this, he actually can work on it. First, he does not need to limit himself to politics and the country’s prime minister. He can officially handover all those responsibilities to his wife Hisila, as he has already done so unofficially. The advantage is that, at present there is no constitutional restriction in doing so in the present day Nepal as there is no effective constitution in place. Therefore, it is an opportune moment for this transfer of power as well. Then, he should be able to devote more time for brand endorsement as Psy-Ko is reportedly endorsing new models of Samsung’s range of Kim-chi refrigerators. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">BRB just has to consolidate what he has already begun as the brand ambassador of Mustang four-wheelers immediately after he became prime minister. He can well be the brand ambassador of Samsung products in Nepal; as the franchisee of the brand here is the same business house that produces Mustang. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">The reason for the popularity of the Gangnam Style is not the fact that the Western world understood the meaning and the language of the song that implicitly ridicules the western-style consumerism. The truth is that the world just danced to its tune, without any idea about what that song is all about. On this count, BRB seems to have understood the underlying message clearly. So he is singing anti-capitalist and anti-democratic rap in a way that the West does not understand at all, but the tune that goes with the song is so hypnotizing for them that they are all dancing to BRB’s tune as well. <br />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span style="line-height: 115%;">More interestingly, even the Nepali people are dancing to BRB’s tune despite the fact that they understand the terrifying message of benevolent dictatorship inherent in these songs. The music that goes along is such that it makes them oblivious of the message that BRB has artfully weaved in his rap. So, BRB can now smile on this count of success, at least.</span></span></p>',
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			'description' => 'The only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end.',
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			'title' => 'The Festive Prescription',
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	<span class="A15"><span style="font-size:59.0pt">F</span></span><span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">or Nepalis, every bit in life is celebration. Sixth day of the birth is a ceremony, then comes naming ceremony. That is followed by rice-feeding, sacred-thread wearing and marriage ceremonies. Then there are ceremonies at different age points of the person. And finally there is death which is again observed as a ceremony and that too follows a ceremony every year – called Shraddha. You or your kith and kin invite all your loved ones, eat drink and enjoy in these ceremonies. <br />
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	<br />
	And there are festivals like Dashain-Tihar, Chhat, Id and Christmas – they all bring jubilations. The moment is worth being oblivious to everything possible from gloomy outlook of the economy, ever-angry face of your prime minister to virtually doomed future of the country. As Nepalis have long tradition of celebration, they don’t normally need advice on how to take out best from festival celebrations. However, in secular Nepal, these celebrations also have to be aptly fitting. So here are some tips to make these celebrations acceptable across all caste, creed and religion: <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-spacerun:yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>Booze Out : Taking holy bath every morning during the nine days of Navaratri (ir Dashain) and five days of Yama Panchak (Tihar festival that falls after a fortnight of Dashain) are the things of past feudal Nepal. In new Nepal, the tradition of holy water sprinkling has been changed to distilled ‘water’ drinking, uniformly. Old traditional water use was limited only to Hindus, depriving other groups of equal celebration rights. So the new distilled water which is inclusive akin to federal character has replaced the old holy water with vigor and speed. One may or may not be Hindu, put tika or not. But because of this liquid, everybody can equally enjoy the festivities. No need to mention about equally secular feast of food. <br />
	<br />
	Old were the times when certain social groups didn’t eat certain types of meat. Now every meat is acceptable to everyone -- no bars to beef, buff, pork or chicken. This actually adds the pleasure of the festival for reasons of variation in dishes and tastes. So break free, booze out to the fullest. All breathalyzer holding cops will be either of the roads or on similar festive mood as you are. <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-tab-count:1">&nbsp;&nbsp;&nbsp; </span>Gamble to the Hilt : Festivals are the time to convert the home living rooms to virtual casinos. For your convenience, the Maoist government has done a cultural revolution by generously reducing the load shedding to 18 hours and then for the festivals to 12 hours a week for festival related cultural activities like gambling, drinking and gang-fighting. Not only that, to extend days of playing dice and card games of marriage, flush or twenty-nine, there will be two days of weekly holidays, beginning soon after Dashain. Moreover, as always, resourceful Nepalis are free to go, at their will, to the casinos so arduously protected by the Maoist cadres.<br />
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mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Uphold Traditions: Any festival somehow has religious or symbolic value. There used to be Rawan badh street drama, Durga bhajan singings at the neighbourhoods during Dashain or Deusi-bhailo during Tihar. But in essence they were all about making noises to scare away the demons. As that is not suitable for the modern days. Instead, play the music with loudspeakers fully on and dance till midnight so that all the neighbors can also feel that some demons are really on the move. <br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Count on the Discounts: Every item you want to buy during these festivals is discounted. Cloth and shoe stores are clearing the stocks and mobile service providers are offering highly discounted rates. Housing companies are coming up with buy-one-get-one offer. So take advantage of this by making an extra bit - send extra SMS, buy extra house or a car. Don’t worry about money. If banks are not lending, find a local cooperative or dhukuti operator. After all, Nepal is the only country where you can get loans for festivals.<br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Influence Others: If you are in business and want to ensure big returns with small investment, this is the opportunity. Send gift packages, mainly liquor bottles, to government officials, powerful mediapersons or the people who you think may be useful to you. Any gift given during these festivals will never be deemed as graft or bribe but surely work as exactly the same as the latter does.<br style="mso-special-character:
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Stay in Liberated Mood : Regardless of inflation, loan or what you do after these festivals, stay cool sipping more chilled beer or whiskey on the rocks and be in full masti mood. </span></p>
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	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><img alt="" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/featured_nolaughing.jpg" vspace="10" width="338" /></span></span></p>
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	<strong><span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">By Madan Lamsal</span></span></strong></p>
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	<span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">&nbsp;</span></span></p>
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	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
">Fear of Futures Contracts</span></p>
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	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><br />
	Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state. <br />
	<br />
	<img alt="" border="1" height="301" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/no-laughing-matter.jpg" vspace="10" width="334" /><br />
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	<span class="A4"><span style="font-size:
59.0pt">I</span></span><span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">f anything Nepal is scared of most at present is the futures contract of the commodities – every sector seems to be terror stricken by this fright. Dr Baburam’s government is shaken and equally confused in guiding another Baburam, who now heads regulatory authority SEBON, to take a further step on this trade. SEBON is frightened apparently, so that it is deliberately delaying to introduce the regulation. Financial sector is fearful in reading our media portrayal that the commodity exchanges are allegedly facilitating massive capital flights. Investors are not ready to invest, and exchanges themselves, about a dozen of them, fear bankruptcy and government wrath – two blows at once. So much so, the writers of a report, which is the root cause of this entire fuss, are even more terribly frightened to find how their very first experience of learning to write a serious report is faced with a hard rock.</span></p>
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	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">In fact, there is no surprise element in this. Nepalis are culturally averse to the very concept of contracts of any type. Take some examples, we recently sent out the contractor of Melamchi project. Our national flag carrier is at the verge of collapse for failing to strike a contract to purchase an aircraft. People even at the grassroots are determined to stop any development project that has potentials to be contracted. Trade unions resisted the introduction of the employment contract in manufacturing and services sectors. Therefore, much of the hue and cry over the commodities futures markets comes from our inherent disgust to contracts than anything serious like growing risk in investment, i.e. losing money, or even the capital flight.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">True that some feel that trading in the futures markets is like gambling in casinos. But still, Nepalis have not stopped going into casinos even knowing that it is absolutely illegal and there is well over 95% chance of losing money. But futures are not casinos; they are just ‘like’ them, as monkey is like man.</span></p>
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	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">This also implicitly means that other investments are not like casinos but they are like bank deposits with 200 percent guarantees of annual interest. This would also mean that thousands of investors in the Nepali stocks are in merry-making mood, thousands of industrialists and businessmen are making enjoying an impressive rate of return on their investment now. And, in a nutshell, Nepali economy except for the commodities futures market is stainless and trouble free. Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;
mso-bidi-font-family:">The flight of the capital, of course, there has been. Look at the rate of exchange for Rs100 Indian currency against Rs 168 in the ‘open’ black market. Despite the revered central bank’s repeated assurances that they have big pile of foreign currency reserves, no bank is able to give you more than 200 dollars in cash notes against your travel documents’ entitlement of 2,500 USD. This proves that every convertible currency available is flying away. But, all this has happened when the transactions in these futures exchanges got virtually halted. So, such flight must have taken place through tunnels and trenches dug during the jungle warfare by the brothers and sisters of Mao, Lenin and Che Guevara, who incidentally are now in government. And they only know for sure where exactly these holes, tunnels and trenches exist.</span></p>
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	<span myriad="" style="font-size:10.0pt;line-height:115%;mso-bidi-font-family:
">Again, coming back to the culture, the commodity exchanges should take into consideration that we Nepali firmly believe in -- the on-the-spot delivery of things. When a political party or a trade union asks for ‘donation’, it must be given then and there, otherwise your life may be delivered to God on-the-spot. If you buy or sell house or land or car, you must give or take physical cash – no cheques, no drafts. Even the government official concerned wants to be witness to such delivery. No one believes that he or she is owner of, say, a kilo of gold bought online, if the person cannot materially touch it. May be, these futures exchanges also have to physically deliver something in exchange of a regulation that they are demanding it for so long.</span></p>
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	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
"><img alt="madanlamsal" border="1" height="161" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/madan.jpg" vspace="10" width="177" /><br />
	<span style="font-size:14px;">&nbsp;&nbsp;&nbsp;&nbsp; By:&nbsp; Madan Lamsal</span></span></p>
<p class="MsoNormal">
	 </p>
<p class="MsoNormal">
	The Magic of Poverty Cards</p>
<p class="Default">
	<span style="font-size:15.0pt;color:#211D1E"><br />
	If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br />
	<img alt="no laughing matter" border="1" height="313" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(2).jpg" vspace="10" width="341" /><br />
	<br />
	</span><span class="A13"><span new="" style="font-size:59.0pt;mso-bidi-font-family:" times="">P</span></span><span new="" style="font-size:10.0pt;mso-bidi-font-family:" times="">overty is pervasive as pervasive are the communist ideologies, ideologues and leaders in Nepal. There could be many manifestations of the relations between the communism and the poverty. Since the communism is commonly interpreted as the dictatorship of proletariats, then all people first must be proletariat or belonging or possessing no material wealth; means absolute poor. Nepal is run by an ultra-left Maoist government, then, by definition every citizen of this country is a proletariat, or absolute poor.&nbsp; <br />
	</span></p>
<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">How would you establish that every Nepali is in indeed a proletariat or poor? For this purpose, the Red government has a very innovative idea of distributing ‘Poverty Cards’ to every Nepali. And, to make sure that every Nepali is entitled to this card, the government has a full-proof plan of first evenly distributing the poverty among the entire populace by every means possible and then start beginning to distribute these MAGIC cards to each citizenry.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">Some may have seen recent industrial unrest, largely created by the trade unions affiliated to ruling, or if not, to this or that Left Party, as detrimental to national prosperity. But, in fact that is a well planned communist strategy of making every one poor as soon as possible so that the capitalist entrepreneurs of today, labourers and the men in the streets -- all alike can become eligible to get these ‘poverty cards.’<br />
	<br />
	The government has rightly assigned the donor funded Poverty Alleviation Fund (PAF) to lead this drive to distribute the poverty card. The Fund is all set to start this mission in this very month of September itself. The choice of PAF for the task too is a very appropriate as it is the only institution in the country that has experience of distributing anything related to poverty, including the poverty itself say some.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">Who are the poor? It is the commonplace knowledge that the citizen who does not possess any asset is the poor. Got some clue on why all the leaders of the ruling United Maoist party including its charismatic Chairman Prachanda and Prime Minister Baburam Bhattarai had reiterated that they would surrender all their property in the name of their party? They were in fact making themselves eligible to get this ‘poverty card.’ Not only that, right since the beginning of the guerrilla war, the party also greatly helped to make citizens properly qualified for the card by confiscating the land, houses and property or physically eliminating them who were not instantly becoming poor at the Maoist will.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">All these instances suggest that this ‘card distribution programmme’ is going to be a great success and an event of real national pride. Every citizen of this country is sure to get it. If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">What does this card do? A simple answer is: it will be a magic card capable of providing everything for the one who holds it -- food, education, health services, employment, unemployment benefit, or you just name it. They can also function as the credit cards as well. <br style="mso-special-character:line-break" />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:10.0pt;line-height:115%;color:#211D1E">Then, who all will get this is anybody’s guess! But you can have some hint by the choice of the 25 districts put in the first priority, including Rukum, Rolpa, Gorkha, and Chitwan to distribute these cards. Why these districts? Rukum and Rolpa are where Maoists started the ambitious program of making every Nepali a proletariat and dispensation akin to proletariat dictatorship. Gorkha and Chitwan are the districts where the Maoist numero-uno Prachanda and PM Baburam hail from. Even before that, it goes without saying that all these leaders living in Kathmandu without ‘anything’ would be getting the privilege of this card. We are just waiting to see this card doing the MAGIC.<br />
	</span></p>',
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			'created' => '2012-10-11',
			'modified' => '2012-10-31',
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			'id' => '675',
			'article_category_id' => '48',
			'title' => 'E-merged Banks',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="no laughing matter" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/featuredbackground(6).jpg" style="width: 158px; height: 85px;" vspace="5" /></p>
<p>
	 </p>
<p>
	<img alt="emerged banks" border="1" height="541" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughimgmatter.jpg" vspace="5" width="300" /><br />
	<br />
	<br />
	Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly. <br />
	<br />
	The e-merging trend is interesting as by now not only the marriage between two firms but a third party has also begun to creep in, rather unexpectedly. The new mergres are sure to go beyond the diagonal or triangular, and can be expected to go further to attracting potential entities from a quadrangular, pentagonal or hexagonal directions, in dozens and scores. This drive towards unity in the financial sector, completely opposite to the nation’s march towards diversity and division in the name of federalism in the realm of politics, is surely awe-inspiring. <br />
	<br />
	With this pace of mergers, the days are not far away that there will soon be only three banks in Nepal– the central bank, a governmentowned bank and a private sector bank But with the mergers, a new problem has also emerged – problem a suitable name for the new entity created. If banks A, B and C are merging, A cannot accept the new bank be named B or C. same goes for B and C. If they name the new entity ABC, again there is problem because in this case A will be happier than B and C as A comes first in the name. They cannot name it BCA or CAB either for the same reason. Hundreds of banks, development banks, finance companies, micro-finance companies and thousands of saving cooperatives in existence have seemingly used up all the conceivable names. And many of the banks have also used names like those of the international banks, thereby narrowing the possibility of picking up a good foreign name. <br />
	<br />
	But they need not panic as the new trend in the international market is to take funny names, unlike serious names so far chosen by Nepali banks. The customers find it easier to remember such names thus ensuring top of the mind recall, as they say in marketing jargon. Look at these names of foreign banks: Redneck Bank, Blue Ball National Bank, Tightwad Bank, First National Bank, The Fifth Third Bank, Moody National Bank etc. <br />
	<br />
	Therefore, my suggestion to the emerging Nepali banks is to go for off-the-beat names that may reflect more accurately the character of the Board Chairman, CEO or Promoter Group. Few suggestions: <br />
	<br />
	<strong><br />
	• Topless Bank Ltd. <br />
	<br />
	• Freak Bank <br />
	<br />
	• The Drunken Liar Ltd. <br />
	<br />
	• Mom, Dad &amp; Sons Bank Ltd. <br />
	<br />
	• Shook and Hook Bank <br />
	<br />
	• Siphon and Run Bank <br />
	<br />
	• Doodle and Drown Bank and so on </strong><br />
	<br />
	<br />
	<br />
	Even your branch, products or bank account names could be different. For example: Pig (not big) Savings Accounts, Beauty Parlour Branch etc. Similarly, instead Oldage Saving Accounts you can have Bald Saving Accounts; instead of Supreme Saving Accounts you can have Superman or Spiderman Saving Scheme. <br />
	<br />
	But at this juncture, the banks must be mindful to pick the word from the right language. As you know many of schools and collages with the English name are now targets of the sister or brother organizations of our political parties. May be tomorrow, such very anglicized names could prove eye pricking to this or that party. I would not advise here in to go for Nepali lexicon directly as Nepal is hopefully be federalized that is why the banks also need to learn to dance in the local tune means choose a right language. <br />
	 </p>',
			'published' => true,
			'created' => '2012-08-15',
			'modified' => '2012-10-10',
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			'description' => 'Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly.',
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			'id' => '647',
			'article_category_id' => '48',
			'title' => 'Budget Of Vision 50',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="madan lamsal" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/madanlamsal(3).jpg" style="width: 91px; height: 114px;" vspace="5" /><br />
	<br />
	<strong>By Madan Lamsal </strong><br />
	<br />
	<br />
	The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may. Because, he has a vision for both long and short-terms. As a long term, it is publicly declared objective of the FM’s party to endow Nepal a proletarian dictatorship veering out the country from the clutches of the influence of expansionist, imperialist, capitalist and revisionist powers of the world. To meet this end, FM’s party thinks that it should rule the country for another fifty years. And how can that be possible without bringing about a full-fledged budget, which actually lays foundation stone to rule for next five decades? <br />
	<br />
	<img align="left" alt="no laughing matter" border="1" height="348" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(1).jpg" style="margin:10px;padding:10px;" vspace="5" width="300" /><br />
	<br />
	<br />
	Who will implement this great vision? Simply, the cadres of own party. No less ! No more !! “Therefore, we are going to increase budget allocation on headings that will send money straight either to the party whole-timers or grassroots people of our party,” the FM remarked during a lunchtime press conference last week. <br />
	<br />
	<br />
	On the occasion, the FM also made a number of supplementary plans public. One, the government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Two, the government would treat every Nepali like his party cadre and every cadre of party as Nepali. “Once we start calling it fixed deposit we will get additional leeway to implement our different policies including subsidy in arms and ammunitions, if not in fertilizer,” said the FM. <br />
	<br />
	<br />
	The short term vision of the budget would rightly be on the November elections and the economic benefits of it. FM shared that the declaration of these polls was in fact a well-thought about strategy to revive the economy. Therefore, the government is dead against revival of the dead Constituent Assembly, he declared. According to him, the salaries paid to the CA members and ministers and the rise given in that from time to time, saved the country’s economy going into recession for the last four years. “But the potency of that trick was declining with the passing months. So we declared election,’ he explained. <br />
	<br />
	<br />
	He viewed that the businesses were becoming stingier in the recent months making it difficult for the government to collect more taxes which could be given by the government to the party cadres to generate economic activities. He also divulged that the CA members who represented the poor in the past elections were no longer poorer as they collected enough money over the last four years. Thus, they were spending less and saving more out of their salary and perks. This explains how well our FM understands the famous theory of economics that the marginal propensity to consume for an individual goes down with every increase in the income. <br />
	<br />
	<br />
	Elaborating on how the elections will revive the economy, the FM said: “This will give double whammy. The politicians are likely to flow out the money they have stashed in their vaults into the economy. This money will be spent in the elections and that will create economies of scale. When the new set of people gets elected, a new round of consumer spending from the salary they get will be started. That will give a new fillip to the economy.” Looks like his party is determined to rule for next fifty years. <br />
	<br />
	<br />
	 </p>',
			'published' => true,
			'created' => '2012-08-09',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may.',
			'sortorder' => '547',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
			'breaking_news' => false,
			'main_news' => false,
			'in_scroller' => false,
			'user_id' => '0'
		)
	),
	(int) 9 => array(
		'Article' => array(
			'id' => '583',
			'article_category_id' => '48',
			'title' => 'Redawn Of PE Era',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img align="top" alt="" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/comedy.jpg" style="width: 112px; height: 136px;" vspace="5" width="112" /></p>
<p>
	Except for one or two, all 36 public enterprises (PEs) of Nepal are in huge losses. Dairy Development Corp is already in milk which is rotting and stinking. The Gorakhkali Tyre has become flat. National flag carrier NAC, has lost the nose. (Nac in Nepali means nose). Nepal Oil Corporation (NOC) has already burnt the midnight oil. Nobody knows how ensured is Rastriya Beema Sansthan, the state-owned insurance company, as it its accounts are not audited for almost a decade.</p>
<p>
	<img align="middle" alt="no laughing matter" border="5" height="252" hspace="1" src="http://newbusinessage.com/ckfinder/userfiles/Images/joke.jpg" vspace="1" width="300" /></p>
<p>
	Should we talk about Kathmandu Upatyaka Khanepani Ltd. (KUKL)? Ordinary Nepali people get confused reading KUKL as it sounds like KAKAKUL which means a legendary bird that is always thirsty. Nepal Electricity Authority (NEA), that has monopoly on power trade is running in loss as it is busy in trading power at political circles than in power circuits.</p>
<p>
	So far Nepal Telecom is proving itself one exception as it is still in profit. However, it too has started trembling after the entry of a heavyweight competitor in the form of Ncell. Then there is a cigarette company PE which is blowing in the air. Similalry, the two cement PEs are all set to kick the dust.</p>
<p>
	But the government is determined to continue keeping these enterprises by funneling money they need to survive. The vowed purpose is evident. The political parties who run the governemnt in turn are in fact waging employment revolution in the country by appointing their cadres to various positions in the PEs. In doing so, the parties have effected another revolution: they have waived the traditional and thus regressive criteria of education and experience to get a job in these PEs. Only one criterion that needs to be fulfilled is that one must be a blind-supporter of the political party in power. So, one eighth-grader runs NAC and a head clerk is recently made GM in National Trading Ltd.</p>
<p>
	All these great things have been possible only because of our revolutionary Prime Minister. As it became clear that his party cadres are no more going to get salary from the government coffer, he was quick to place many of them in the PEs as well as private sector corporate houses. Our PM had announced his determination to develop the country very fast with a leap-frogging pace, when he was the Finance Minister some years back. According to his philosophy, you can develop the country by hook or by crook. And for Nepal he has picked-up only the latter part of the model i.e. by crook or crooked ideas.</p>
<p>
	To develop an economy you should first open factories or firms and create employment. For that you need to import machines and raw materials and construct roads and buildings. For that you need a lot of money. Since the Nepali government does not have any money left after paying the party cadres in any possible pretext, the government has adopted this short-cut route to development through PE, just as a replica of Panchayat hay-days under King Mahendra.&nbsp;</p>
<p>
	 </p>',
			'published' => true,
			'created' => '2012-02-22',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Our PM had announced his determination to develop
the country very fast with a leap-frogging pace, when he
was the Finance Minister some years back.',
			'sortorder' => '485',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
			'breaking_news' => false,
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			'in_scroller' => false,
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		)
	),
	(int) 10 => array(
		'Article' => array(
			'id' => '526',
			'article_category_id' => '48',
			'title' => 'See The Sea Change',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="" border="1" hspace="10" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/madanlamsal.jpg" style="width: 103px; height: 127px;" vspace="10" /><br />
	<strong>By Madan Lamsal <br />
	</strong><br />
	<br />
	It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed. <br />
	<br />
	<br />
	In the past, the industrialists used to run the hotels, factories or companies. But at present it is the trade unions that do that job. In the past the businessmen had lot of money, today all the money is either with the politicians and bureaucrats or dons. In the past it was License Raj, today it is Goondaraj, which is claimed to be the Nepali version of free market economy. Therefore, in the past one got the license after the officers felt the criteria were met.</p>
<p>
	 </p>
<p>
	<img alt="" height="249" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/laugingmatter.jpg" width="400" /><br />
	<br />
	In the past, the job of the police was to prevent the thieves from stealing or the robbers from looting those connected to Narayanhity Durbar, now their job is at jeopardy if the let-loose bandits connected to the Durbars at Paris Danda, Balkhu and Sanepa is even suspected by the police. These days people feel comfortable to see the bandits to whom they pay weekly charge called hafta. Rather they disdain the appearance of politicians who nowadays enjoy the larger chunk of the same hafta. <br />
	<br />
	<br />
	The public corporations used to be rich by earning handsome profit. Now the affluence has shifted to their employees and politicians and the corporations are in ramshackle. In those old good days, sick people used to get good after visiting a doctor. But today, even a healthy person becomes sick as soon as he/she sees the one. There was a time when fat man in the street generally meant a businessman or a rich fellow. Businessmen used to run or morning walk to burn their fat. <br />
	<br />
	<br />
	Today, all their fat is taken away some by the banks, some by the politicians and some by the extortionist Goondas. But now, they who are in trouble don't need to panic thinking about the tricks of suicide. It is just that they need to come out of building home or office, a shooter might be standing right at the doorstep to facilitate his journey to heaven. Originally, educational institutions were means for social service and were opened to educate and inculcate moral values and culture in the heads of the students. Today schools and colleges are opened solely for profit. Students too, used to attend the classes. <br />
	<br />
	<br />
	Their objectives these days is to be in demonstrations and at the service of political leaders if they are in the government colleges, or for dating if they are from five-star private colleges. Even the fashion has gone a sea change. Those were days when the girls had long hairs and wore the earrings. Today it is just the opposite - the boys have taken up the girls fashion and vice-versa. Nowadays men have started to marry men and women have started to marry women. Dating spots too have changed from the zoos and parks to the shopping malls or department stores. <br />
	<br />
	<br />
	These are only a few instances of a massive changes that are going around us. But it is the media that has failed to embrace the fast pace of changes. Like in the past most media enjoy portraying good to a political patron regardless of how bad he could be. <br />
	<br />
	<br />
	So, is not it the time to change for media too? <br />
	 </p>',
			'published' => true,
			'created' => '2012-01-21',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed.',
			'sortorder' => '430',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
			'breaking_news' => false,
			'main_news' => false,
			'in_scroller' => false,
			'user_id' => '0'
		)
	),
	(int) 11 => array(
		'Article' => array(
			'id' => '478',
			'article_category_id' => '48',
			'title' => 'Nepal In 10 Years (October 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div>
	<div style="text-align: justify;">
		<strong><img align="left" alt="nolaughingmatter" border="1" height="173" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(3).jpg" style="width: 143px; height: 173px;margin:10px;padding:10px;" vspace="5" width="143" />By Madan Lamsal</strong></div>
	<div style="text-align: justify;">
		<strong><br />
		</strong></div>
</div>
<div style="text-align: justify;">
	Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay. But I feel otherwise. In 10 years, Nepal will be at par to fully developed countries and livable like a heaven. At least the words and actions of Nepal's business community, government and the main political leaders clearly indicate to that.</div>
<div style="text-align: justify;">
	<br />
	In recent years, many of Nepali entrepreneurs have proved themselves very innovative in businesses by selling sweets to cereals and setting-up restaurants to bottling water plants. Nepal's private sector has shown a true entrepreneurial spirit.&nbsp;They know how to exploit the ignorance of common people by taking advantage of true free market of Nepal, regulated by none but only Lord Pashupatinath.</div>
<div style="text-align: justify;">
	<br />
	<br />
	The foreigners must be watching all these developments with very keen interest. Therefore, within 10 years Nepal will receive thousands of foreign direct investments (FDI). Because, foreign investors have already seen that there is almost zero FDI in this country except few Indian joint ventures companies struggling here to breathe. Therefore, it is a virgin land for them to invest. Foreigners may have also observed that Nepali workers have been working in foreign countries with paltry salary and they are so loyal there. If these very Nepalis are given jobs in their homeland they will definitely be happier and more loyal to the FDIs. Moreover, the new Finance Minister, who <img align="left" alt="nolaughingmatter" border="1" height="414" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/oct-no laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="350" />is said to be the man with action or man with a gun, has already said that year 2012 will be the ' Year for Investment '.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In 10 years Nepal plans to attract more than 20 million tourists a year. Because two years ago Prachanda, the then PM of the Maoist government had announced that Nepal will receive 2 million tourists in 10 years time. Again Maoist is in the power now. So we can definitely hope that they will force many tourists to visit Nepal. They will visit Nepal as well as they do to Vietnam or Russia to see the truly endangered disciples of Lenin and Che Guevara. Tourists will not visit Nepal only to see mountains or for trekking but to get hold of the rarest sights like the YCL camps at factories and to see their commandos' street gang-fights.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In a decade, Nepal will produce at least 20,000 megawatt electricity not from the hydropower but from road garbage, wind and cow dung, etc. The impact will be such that Nepal will no more need to import petroleum. By then power consumption will increase so much that export of electricity will be obsolete issue. India, who has been waiting for Nepal's electricity for her industrial growth will be bewildered. The pipeline for petroleum that has been laid out from Lhasa to Khasa of China will be useless. Rather, Nepal will earn a lot of money from the carbon trading because of zero consumption of petroleum products.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	Many foreigners from American to Europeans and from Japanese to Singaporeans will apply for working visa here as many of them want to work in the developed Nepal in 10 years time. So there will be a huge problem of illegal foreign workers. So the main task of almost all foreign diplomats' in Nepal will be to seek an appointment with Nepali leaders to rescue their citizens from different illegal indulgences.</div>',
			'published' => true,
			'created' => '2011-10-11',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay...............',
			'sortorder' => '388',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
			'breaking_news' => false,
			'main_news' => false,
			'in_scroller' => false,
			'user_id' => '0'
		)
	),
	(int) 12 => array(
		'Article' => array(
			'id' => '437',
			'article_category_id' => '48',
			'title' => 'The Third-party Miracle (september 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="border-width: medium medium 1pt; border-style: none none solid; border-color: -moz-use-text-color -moz-use-text-color rgb(196, 21, 28); padding: 0in 0in 2pt;">
	<div style="text-align: justify;">
		<span style="font-size:12px;"><strong><img align="left" alt="lauging" border="2" height="167" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(2).jpg" style="width: 137px; height: 167px;margin:10px;padding:10px;" vspace="10" width="137" />By Madan Lamsal</strong><br />
		<br />
		The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number of agents to net a small fry who would ultimately agree to buy their policy. But, these days, their business is so smoothly automated, money floods into the office by any minor economic activity a nouveau riche carries out. No sooner, one buys a private car, a taxi or a rental minibus, the premium amount in the name of the third party insurance automatically flows into insurance company account.<br />
		<br />
		There are other advantages of the third party insurance. This particular insurance has embedded self-defense mechanism. For example, more vehicles means more premium. Also, it means more traffic jams on the road. That means less speed, and less accidents. Lesser number of accidents naturally results in highly reduced claim on insurance. This is truly a full-proof proposition. All these have contributed to balloon-up the premium collection. And more profits, more leisure time for the insurance company executives. <br />
		<br />
		<img align="left" alt="nolaughingmatter" border="2" height="329" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="400" />This leisure has provided some value-time for the top insurance executives to be more creative to think about truly new product, as effective as the third party. In a meeting of a group of CEOs, the most imaginative one proposed that they must launch the third party insurance product for the aeroplanes and bicycles. The other one seconded, bicycles are perfectly ok but the aeroplane products must be thoroughly researched.<br />
		<br />
		<br />
		Objected the third, Only thing we must think about is not the product research but to identify the party that can force some sort of insurance. Look, how some of the foreign missions have been great help to us. They have made the travel and host country health insurance compulsory to issue a visa. Every traveler pays the premium for this but never comes back to claim anything.<br />
		<br />
		<br />
		The next volunteered, even if they did, the companies could easily shirk away saying that the coverage was just for minor illnesses like common cold or fever. Because no one asks what is covered in a haste to get visa, such insurance is always uncertain even to those Nepalis who is in who's-who list.<br />
		<br />
		<br />
		But many thought ˜the third party airplane insurance was indeed a marvellous idea. So, the group assigned to explore the possibility to two chosen energetic CEOs. For the purpose, they flew by a plane to a new destination together. Both of them had bought flight insurance. After landing at the airport the other end, one remarked, "What a wastage! The premium we paid for the flight insurance went in vain."</span><span style="font-size:12px;"><span style="line-height: 115%;"> Other one evaluated, but, you see, third party air insurance seems to be real good proposition as aeroplane is unlikely to hit and kill anything en route. Thus entire premium gets saved for the company.<br />
		<br />
		<br />
		<br />
		<br />
		</span> </span></div>
</div>',
			'published' => true,
			'created' => '2011-09-28',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number.....',
			'sortorder' => '350',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
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	),
	(int) 13 => array(
		'Article' => array(
			'id' => '415',
			'article_category_id' => '48',
			'title' => 'Nepal Can't Be Overpopulated (august 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="margin-bottom: 0.0001pt; line-height: 120%; vertical-align: middle; text-align: justify;">
	<span style="font-size:12px;"><i><span style="line-height: 120%;"><img align="left" alt="madan" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(6).jpg" style="width: 112px; height: 136px;margin:10px;padding:10px;" vspace="5" width="112" />By Madan Lamsal</span></i></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><span style="color: rgb(134, 55, 59); letter-spacing: -0.05pt;">E</span><span style="letter-spacing: -0.05pt;">ver since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really overpopulated. People have started to ask the same question to several experts and not so experts, politicians and economists. And the answers that come about are very interesting.&nbsp;</span></span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Some samples of the answers: Nepali Congress leaders say: Nepal is not overpopulated. The reason as furnished by a leftist politician is that, for capitalists like the Nepali Congres ,the bigger the population, the higher the voter base. So the population is less until the Congress gets enough votes to form the government.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">If you ask a Hindu or a Muslim or a Christian fundamentalist, the answer is still no. Because, to religious leaders, the fear of being outnumbered by the other religion is persistent and they believe that Pashupatinath, Allah or Christ will come to feed any size of population.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">But, an&nbsp;immigration officer is most likely to say yes, Nepal is overpopulated ! This is because he must be getting tired of processing thousands travel documents of youth going abroad everyday. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">But the economists are unlikely to say either yes or no. They will only say: the moment a country has overpopulation, it will not be able to sustain any addition in the population. Some of them may even advise you to read Danish economist Ester Boserup who made strong case in support of population growth for the economic benefit of the country. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;"><img align="left" alt="madan" border="1" height="399" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/economy.jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Whatever the people of different background may say, It is futile to worry about the size of the population. Because, more people, more production, more money, more consumption, more profit to the companies and more revenue to the government and more donations to the political parties and opportunity for more extortions to the affiliates of political parties of different hues and colours. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Even with a population close to 30 million we have been able to feed ourselves. We don't need to worry about gainful employment here within the country, as overseas employment will be in abundance as long as Nepalis agree to work for the pay just enough to foot the travel bill and payback the loan gotten to fly abroad, after five years of work. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">This means your country's income grows only when your people go abroad and send in money from there. That was so simple to understand for our forefathers who started the system of Lahure, i.e. sending people abroad (Lahore at that time) for earning. The same is being done today. And this should be expanded. This requires our population to increase further so that more people will go abroad and Nepal will earn more. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: 0.1pt;">Nepali economy is live and kicking just because of a growing population. Not only migrant workers, see it from every angle, the population growth is a must for economic growth. As more babies are born,&nbsp; the more diapers will be sold and there will be higher profits for such companies and a bigger pay rise to their&nbsp; employees.&nbsp;Therefore, clearly, the hue and cry of overpopulation in Nepal is an absolute anti-thesis to country's economic growth and people's well-being. </span></span></div>',
			'published' => true,
			'created' => '2011-09-06',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Ever since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really........',
			'sortorder' => '330',
			'image' => null,
			'article_date' => '0000-00-00 00:00:00',
			'homepage' => false,
			'breaking_news' => false,
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	),
	(int) 14 => array(
		'Article' => array(
			'id' => '387',
			'article_category_id' => '48',
			'title' => 'Changing Face Of Crisis (july 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 120%; vertical-align: middle;">
	<span style="color: rgb(178, 34, 34);"><i><span style="font-size: 8pt; line-height: 120%;"><img align="left" alt="madan" border="1" height="108" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img2(3).jpg" style="width: 90px; height: 108px;margin:10px;padding:10px;" vspace="5" width="90" />By Madan Lamsal<br />
	<br />
	<br />
	</span></i></span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 10.5pt;">T</span><span style="font-size: 9.5pt;">hese days, if you encounter any crestfallen wo/man with faded pulchritude and desperate to reach somewhere sooner, s/he could easily be a banker. With the collapse of BFIs in a row, even the CEO of healthiest of these institutions is sacred to the hilt. Simply because, before one could explain the robustness of his or her institutions, things are seen going out of hand of these expert managers.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">Except those under the government raincoat, almost all BFIs are feeling the pinch of acid-rain, some term it liquidity- and others lucre-dity-driven crisis. And every crisis is a god-sent lottery to some, and so called older and large banks are now enjoying the unprecedented deposit flow when their smaller and younger fellows gasp for life.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">The lifestyle, personality and approach of the CEOs of many of these BFIs have completely changed. They have ceased to wear tie. Harrods tweed has been replaced by Bangkok boutique. Razor sharp creases of the dress have disappeared and, instead of driving individual cars, many senior executives of an institution are seen stacked in single vehicle. They are not doing it for their security by feigning move-incognito, but all of them are putting these sincere efforts to support the Nepal Rastra Bank Governor's objectives to bring down the national inflation to a single digit. In cocktails, they hardly speak. Even if they do, they just mew. Their eyes are anxious not to bump with any guy from Baluwatar, by chance. Who knows, a prestigious banker today may be arrested by the police on the criminal charges of elbowing a central banker in a cocktail party?</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;"><img align="right" alt="laughing" border="1" height="248" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(5).jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Early in the morning, these CEOs dread to read the newspapers. They feel the unusual urge to pee while reading the news about the rampage and killings by wild elephants in the districts like Jhapa. They hallucinate that snores and roars of the Jhapali animals is also coming out of the Baluwatar woods, perhaps without knowing the Jhapa influence in the present day Nepali financial sector. Some CEOs are also scared that, regardless of the financial credentials of their institution, they would be chased by one powerful Jhapali to apparently to install another Jhapali in the CEOs position, in addition to a couple of peripheral advisors to add the operational cost of the purportedly crumbling institution. </span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	<span style="font-size: 9.5pt; line-height: 115%;">But there are more than one solutions to these woes of poor CEOs. First, they must confess that they didn’t know any previous governor or deputy governor of the central bank to vindicate an unflinching loyalty to the present central bank leadership. Second, even if they knew some, they continuously profess that all former Rastra Bank officials including the governor were unprofessional, unqualified and dirty people; and responsible for present mess in the financial system. Also remember to communicate your allegiance to the party that made history by launching the Jhapa andolan. And, don’t commit foolish mistake of visiting new bungalow of the governor worth crores as that may prove something else to his principled credentials as a true proletariat. These tips will surely help you if not your institution.<br />
	<br />
	<br />
	<br />
	</span></div>',
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		'Article' => array(
			'id' => '885',
			'article_category_id' => '48',
			'title' => 'Poems By Professionals',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	Nepal&rsquo;s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty. Many businessmen and professionals have thus tried to solace themselves by expressing pangs and pains in poetry. Here are few scattered pieces of poems taken from their diary. Please read them all:</p>
<p>
	&nbsp;</p>
<p>
	&nbsp;</p>
<p>
	<strong>From a banker:</strong></p>
<p>
	<em>A liquidity crisis again envelops&nbsp;</em></p>
<p>
	<em>Base rate, KYC, Basel III to adhere</em></p>
<p>
	<em>In a market highly flawed</em></p>
<p>
	<em>By the grace of self declared Gods.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a realtor:</strong></p>
<p>
	<em>It boggles me how fast</em></p>
<p>
	<em>The land under me caved in</em></p>
<p>
	<em>Why all fingers pointed to me</em></p>
<p>
	<em>Not the chaps aired the bubble first?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a jeweler:</strong></p>
<p>
	<em>Random walk of &nbsp;price of gold</em></p>
<p>
	<em>Sellers are at the hold</em></p>
<p>
	<em>Buyers feel over-sold.</em></p>
<p>
	<em>But the reality is never told.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an investor:</strong></p>
<p>
	<em>Just look at the NEPSE index</em></p>
<p>
	<em>Leaves anyone always perplexed</em></p>
<p>
	<em>As market is bullish taking on risk</em></p>
<p>
	<em>Erring politics smashes it in brisk.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an economist:</strong></p>
<p>
	<em>The affair of the state is iffy&nbsp;</em></p>
<p>
	<em>The guardian angels acting sneaky&nbsp;</em></p>
<p>
	<em>The mood is damp, almost piffy</em></p>
<p>
	<em>And economy stands fiscal cliffy.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a wage-earner:</strong></p>
<p>
	<em>No job, what else to mention?&nbsp;</em></p>
<p>
	<em>No relief from perennial privation,</em></p>
<p>
	<em>The minimum wage in the nation</em></p>
<p>
	<em>Is never tied to the rate of inflation.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a business leader:</strong></p>
<p>
	<em>We must certainly preface&nbsp;</em></p>
<p>
	<em>Taxing few honest and rich</em></p>
<p>
	<em>As the socialists these days profess</em></p>
<p>
	<em>Will not fill ravine of whopping deficit.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a social planner:</strong></p>
<p>
	<em>We are finding it absurd</em></p>
<p>
	<em>Plans we heard were never delivered</em></p>
<p>
	<em>But all the party comrades did prosper&nbsp;</em></p>
<p>
	<em>People left to have suicide preferred.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a political economist</strong></p>
<p>
	<em>When will parties exhibit maturity?</em></p>
<p>
	<em>Help create stable income and security</em></p>
<p>
	<em>So there could be a sense of certainty&nbsp;</em></p>
<p>
	<em>And markets start to behave with surety.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a planner:</strong></p>
<p>
	<em>Do policy makers really have any plan</em></p>
<p>
	<em>On jobs, inflation and population?</em></p>
<p>
	<em>If it isn&rsquo;t the leaders concern&nbsp;</em></p>
<p>
	<em>What if we lose our temper soon?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>Finally, from a voter:</strong></p>
<p>
	<em>Our ears can&rsquo;t hear anymore sermon</em></p>
<p>
	<em>About job creation and developed nation.</em></p>
<p>
	<em>We need more apprenticeship skills</em></p>
<p>
	<em>That meets our needs and fixes growth ills.&nbsp;</em></p>
<p>
	<em>Is there anybody to listen?</em></p>
<div>
	&nbsp;</div>',
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			'created' => '2013-03-23',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Nepal’s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty.',
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			'id' => '882',
			'article_category_id' => '48',
			'title' => 'New Financial Lexicon',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for. Some examples from a non-exhaustive glossary:&nbsp;</p>
<p style="text-align: justify;">
	<strong>Accrued Interest:</strong> An accumulated interest due in the account of the most-favoured borrower of the bank, which may never be paid.</p>
<p style="text-align: justify;">
	<strong>ACH:</strong> Association of Clever Herds, representing the corporate world created to buy time from their wives.</p>
<p style="text-align: justify;">
	<strong>AML:</strong> A new disease called Acute Myeloid Leukemia diagnosed among some businessmen caused by the flu emanating from Anti Money Laundering (AML) Act.</p>
<p style="text-align: justify;">
	<strong>Appraisal:</strong> An annual drama of awarding a crony of the management for promotion or favouring a mediocre firm at the cost of the best performer without connections.&nbsp;</p>
<p style="text-align: justify;">
	<strong>APR: </strong>A commonly used tool to make customers April Fools, previously known as Annual Percentage Rate.</p>
<p style="text-align: justify;">
	<strong>ATM:</strong> Any Time Malfunction machine to dispense money even from your own account.</p>
<p style="text-align: justify;">
	<strong>Availability Date:</strong> A choreographed schedule of senior bank officials to prove that they actually work sometime, if available for the cause of common business interests.</p>
<p style="text-align: justify;">
	<strong>Availability Policy:</strong> Bank&#39;s policy to indirectly announce its liquidity position by fixing the date when funds deposited into an account will be actually available for withdrawal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank Custodian:</strong> The Central bank, in case of Nepal NRB, is a specialized police custody for the bankers who remain recalcitrant to follow NRB directives issued not necessarily to maintain the safety of depositors&rsquo; assets but to prove that the central bank actually has some teeth and may bite anyone it doesn&#39;t like.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank:</strong> A glassed cage where you are made to feel like a pig when entered and your assets are valuated only a quarter of what they are actually worth for, and you cannot have any say at any point in time whether you deposit or borrow.</p>
<p style="text-align: justify;">
	<strong>Bankrupt:</strong> New certificate of dignity to most of the clients of most of the banks. And you can justify it by talking all day about recession.</p>
<p style="text-align: justify;">
	<strong>Bear Market:</strong> A cool alcoholic fizzy drink for the losers in the capital market, synonymous with the beer market.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Billionaire:</strong> A rare breed of individuals in Nepal who have never made their books of accounts public and never proved to have done illegal things.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bull Market: </strong>A market place where oxen are sold and bought by the farmers right before the farming season.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Capitalism:</strong> A policy of almost every political party of Nepal that doesn&#39;t believe in anything less than accumulating capital by hook or by crook.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Collateral:</strong> A single basis of evaluating the borrower&#39;s credit-worthiness in the Nepali banking system, without which Nepali banks cannot even breathe. Things like credit records or project viabilities of the borrowers are bull sheet.</p>
<p style="text-align: justify;">
	<strong>Co-Signer:</strong> An individual who sings in the tune of the boss in the bank, also known as a co-maker.</p>
<p style="text-align: justify;">
	<strong>Deferred Payment: </strong>An act of postponing the payment for a future date which never comes; which has now become a widespread practice in the Nepali banking industry.</p>
<p style="text-align: justify;">
	<strong>Depression:</strong> A psychological phenomena reflecting the state of mind of the citizens, caused by the long run gloomy outlook of the economy.</p>
<p style="text-align: justify;">
	<strong>EBIT: </strong>Bank&#39;s earnings before irregularities and tampering.</p>
<p style="text-align: justify;">
	<strong>Electronic Banking: </strong>&nbsp; An internet or mobile-based service of the banks that allows even a non account holder to obtain account information and manage certain banking transactions through a personal computer, directly logging into the financial institution&#39;s portal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>KYC:</strong> Kill Your Customer &nbsp;&nbsp;</p>
<p style="text-align: justify;">
	<strong>Mutual Fund:</strong> A mutual practice of distributing hefty loans among the CEOs of the banks in a turnkey basis so that they can invest in real estate business.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Outstanding Check:</strong> An errand boy standing outside the door of an office carrying a bank&#39;s check.</p>
<p style="text-align: justify;">
	<strong>SLR: </strong>Self-loading rifle belonging only to the central bank, used to rob the banks in the veil of statutory liquidity ratio.</p>
<p style="text-align: justify;">
	<strong>Stagflation:</strong> When it is the time for the Royal Stag, the leisure borne out of inflation-induced inaction.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Students&rsquo; Loan:</strong> Loans given to students to buy sporty bikes, so as to enable them to undertake a number of dating projects simultaneously.</p>
<div style="text-align: justify;">
	&nbsp;</div>',
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			'created' => '2013-03-16',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for.',
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	(int) 2 => array(
		'Article' => array(
			'id' => '816',
			'article_category_id' => '48',
			'title' => 'Welcome To  ‘Baburo Airways’ Comrades And Commanders!',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	<img alt="" border="0" height="271" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/no_laughing_matter_jan2013.jpg" width="341" /></p>
<p style="text-align: justify;">
	Welcome to our own Nepal’s pride, Baburo Bhattarai &nbsp;Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.</p>
<p style="text-align: justify;">
	You will hear a number of rocking announcements about the poll-ethical weather by our buffalo herding head of the nation, which cannot alter our aim of smooth flight and destination. &nbsp;If you cannot trust me fully as pilot, you may rely on &nbsp;our single-focused co-pilot VJ Gachchr, who have a long experience in maneuvering flights that face troubles. Only thing is he charges extra whenever he has to save such flights led by over-dependent Baburo captain like me.Along with the members of VJ club of Try-Muddesh and trainee fright attendants, we also have side-attendant Ms Yummy with us to greed you. Now we are announcing some safety tips. Therefore, please shut up your mouth and eyes but keep your ears as wide as you can.</p>
<p style="text-align: justify;">
	First of all, I request all the passengers to open their umbrellas as we have a custom of doing so when we have information that there is rainfall in Delhi. When we are ready to take off, the passengers are requested to shout at the highest pitch to scare cows, monkeys and the vultures off the runway, let loose there by Congress, UML and RPP respectively.To entertain you to the hilt, our fright attendants are not wearing makeup today. However, they will be wearing wigs and parachutes hoping to look like clowns to remind you the last Christmas. But they actually look like ghosts of some Ramsey Brother’s late night TV shows.</p>
<p style="text-align: justify;">
	As there is no seat planning, the ones with muscle power can grab the front seats, the weak ones can sit on the stools or on the floor. If I see some near and dear ones of my own, umh! relatives of Ms Yummy, I will make sure they get very lucrative seats regardless of anything. Let me also inform that, I will not be able to listen to anyone except Ms Yummy when in Nepal and some of my gurus like Muni when in Delhi. Therefore, please do not shout if you have any problem.Though the original time for the return flight was for five months, but because of bad weather, that couldn’t be assured. We may reach the destination anytime soon, but the return flight is certainly not certain. We are not too sure about in what height we will be flying as there are lot of efforts going on to bring down my plane. As you know it will be my duty to save my plane even at the cost of passengers and some fellow flight staff. So, anyone might be kicked out of plane if required. So, be ready for an adventure skydiving trip for free and make sure you have your parachute ready for yourself.</p>
<p style="text-align: justify;">
	Our plane has four emergency doors. However, they will be opened only when we feel that we needed to vacate a seat to accommodate a new flight partner sacrificing an existing one to ensure my non-stop flight. We will fly between Delhi and Kathmandu on a regular basis. &nbsp;This will continue till we reach to a consensus that endorses the proposal such that this very captain with the same crew members is allowed to continue to fly this plane. Otherwise, this plane will never land on any airport. Even in case you arrive at your destination, don’t worry, you will be left in the middle of nowhere!</p>
<p style="text-align: justify;">
	Before you exit the plane, please make sure to gather all of your money and valuables. Anything left behind will be distributed among the fright attendants as we believe in common-ism and demons-crazy at the same time. After all, thank you for flying with Baburam Baburo &nbsp;Airways. I am not sure whether you enjoyed giving me an opportunity to be your captain, but I am ecstatic on being the captain of this flight, therefore unwilling to relinquish this pleasure anytime soon!&nbsp;</p>
<p style="text-align: justify;">
	Bon Voyage!</p>',
			'published' => true,
			'created' => '2013-03-14',
			'modified' => '2013-03-14',
			'keywords' => '',
			'description' => 'Welcome to our own Nepal’s pride, Baburo Bhattarai  Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.',
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	(int) 3 => array(
		'Article' => array(
			'id' => '771',
			'article_category_id' => '48',
			'title' => 'No Laughing  Matter December 2012',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13"><img alt="nolaughingmatter" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(3).jpg" vspace="10" width="338" /><br />
	By Madan Lamsal</span></span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13">&nbsp;</span></span></p>
<p class="MsoNormal">
	<strong><span style="font-size:14px;"><span style="line-height: 115%; color: black;">Gangnam Baburam Style<br />
	<br />
	</span></span></strong><span style="font-size:14px;"><span class="A13"><img alt="gangnam" border="1" height="436" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/gangnam.jpg" vspace="10" width="600" /><br />
	</span></span></p>
<p class="Default" style="text-align:justify;line-height:10.05pt">
	<span style="font-size:14px;"><span class="A4"><span style="color: windowtext;">T</span></span><span style="color: windowtext;">he only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end. <br />
	</span></span></p>
<p class="Default">
	<span style="font-size:14px;"><br />
	In fact, the Nepali PM and Korean Pop star have many similarities. To increase viewership, as Psy appears on TV shows worldwide, our BRB stages TV shows like address to the nation very often and his efficient private secretariat makes sure that every move of him is recorded and posted to media. As the short form of Psy of Korea, people have started to call the pop star ‘Psy-Ko’, whereas BRB is already recognized at home as a ‘Psycho’ for his weird manners, permanent wear of anger on his face and schizophrenic self-righteousness. Perhaps the most notable similarity between Psy-Ko and Psycho is in their perspectives to view capitalists. While the Psy-Ko has made mockery of the hypocrisy of Gangnam aristocrats of Korea presenting them as riding on an non-existent horse, through dance metaphor, BRB back home has murdered many who he thought were capitalists. Who knows what he exactly plans next in this particular regard!</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">Despite so many similarities, it is truly unfair for BRB to go the opposite direction of Psy’s popularity chart. It truly warrants a deeper inquiry into such debacle of BRB’s popularity. Zoologists who know which creature is worth what and Hindu mythologists who know who should ride what animal as bahan (carrier) agree here that, this difference in popularity could have been caused by their difference in selecting the creature as means of their respective message carriers. Psy-Ko has chosen an imaginary horse and his every dance step represents how he is holding the reigns of a galloping horse, at different movements and speeds. Instead, our BRB for long has chosen a frog, leaping stochastically, which he can neither ride nor reign in.</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">If BRB is really dying for a Psy like popularity and his permanent anger is due to his failure to achieve this, he actually can work on it. First, he does not need to limit himself to politics and the country’s prime minister. He can officially handover all those responsibilities to his wife Hisila, as he has already done so unofficially. The advantage is that, at present there is no constitutional restriction in doing so in the present day Nepal as there is no effective constitution in place. Therefore, it is an opportune moment for this transfer of power as well. Then, he should be able to devote more time for brand endorsement as Psy-Ko is reportedly endorsing new models of Samsung’s range of Kim-chi refrigerators. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">BRB just has to consolidate what he has already begun as the brand ambassador of Mustang four-wheelers immediately after he became prime minister. He can well be the brand ambassador of Samsung products in Nepal; as the franchisee of the brand here is the same business house that produces Mustang. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">The reason for the popularity of the Gangnam Style is not the fact that the Western world understood the meaning and the language of the song that implicitly ridicules the western-style consumerism. The truth is that the world just danced to its tune, without any idea about what that song is all about. On this count, BRB seems to have understood the underlying message clearly. So he is singing anti-capitalist and anti-democratic rap in a way that the West does not understand at all, but the tune that goes with the song is so hypnotizing for them that they are all dancing to BRB’s tune as well. <br />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span style="line-height: 115%;">More interestingly, even the Nepali people are dancing to BRB’s tune despite the fact that they understand the terrifying message of benevolent dictatorship inherent in these songs. The music that goes along is such that it makes them oblivious of the message that BRB has artfully weaved in his rap. So, BRB can now smile on this count of success, at least.</span></span></p>',
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	<span class="A15"><span style="font-size:59.0pt">F</span></span><span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">or Nepalis, every bit in life is celebration. Sixth day of the birth is a ceremony, then comes naming ceremony. That is followed by rice-feeding, sacred-thread wearing and marriage ceremonies. Then there are ceremonies at different age points of the person. And finally there is death which is again observed as a ceremony and that too follows a ceremony every year – called Shraddha. You or your kith and kin invite all your loved ones, eat drink and enjoy in these ceremonies. <br />
	<br />
	<br />
	And there are festivals like Dashain-Tihar, Chhat, Id and Christmas – they all bring jubilations. The moment is worth being oblivious to everything possible from gloomy outlook of the economy, ever-angry face of your prime minister to virtually doomed future of the country. As Nepalis have long tradition of celebration, they don’t normally need advice on how to take out best from festival celebrations. However, in secular Nepal, these celebrations also have to be aptly fitting. So here are some tips to make these celebrations acceptable across all caste, creed and religion: <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-spacerun:yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>Booze Out : Taking holy bath every morning during the nine days of Navaratri (ir Dashain) and five days of Yama Panchak (Tihar festival that falls after a fortnight of Dashain) are the things of past feudal Nepal. In new Nepal, the tradition of holy water sprinkling has been changed to distilled ‘water’ drinking, uniformly. Old traditional water use was limited only to Hindus, depriving other groups of equal celebration rights. So the new distilled water which is inclusive akin to federal character has replaced the old holy water with vigor and speed. One may or may not be Hindu, put tika or not. But because of this liquid, everybody can equally enjoy the festivities. No need to mention about equally secular feast of food. <br />
	<br />
	Old were the times when certain social groups didn’t eat certain types of meat. Now every meat is acceptable to everyone -- no bars to beef, buff, pork or chicken. This actually adds the pleasure of the festival for reasons of variation in dishes and tastes. So break free, booze out to the fullest. All breathalyzer holding cops will be either of the roads or on similar festive mood as you are. <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-tab-count:1">&nbsp;&nbsp;&nbsp; </span>Gamble to the Hilt : Festivals are the time to convert the home living rooms to virtual casinos. For your convenience, the Maoist government has done a cultural revolution by generously reducing the load shedding to 18 hours and then for the festivals to 12 hours a week for festival related cultural activities like gambling, drinking and gang-fighting. Not only that, to extend days of playing dice and card games of marriage, flush or twenty-nine, there will be two days of weekly holidays, beginning soon after Dashain. Moreover, as always, resourceful Nepalis are free to go, at their will, to the casinos so arduously protected by the Maoist cadres.<br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Uphold Traditions: Any festival somehow has religious or symbolic value. There used to be Rawan badh street drama, Durga bhajan singings at the neighbourhoods during Dashain or Deusi-bhailo during Tihar. But in essence they were all about making noises to scare away the demons. As that is not suitable for the modern days. Instead, play the music with loudspeakers fully on and dance till midnight so that all the neighbors can also feel that some demons are really on the move. <br />
	<br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Count on the Discounts: Every item you want to buy during these festivals is discounted. Cloth and shoe stores are clearing the stocks and mobile service providers are offering highly discounted rates. Housing companies are coming up with buy-one-get-one offer. So take advantage of this by making an extra bit - send extra SMS, buy extra house or a car. Don’t worry about money. If banks are not lending, find a local cooperative or dhukuti operator. After all, Nepal is the only country where you can get loans for festivals.<br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Influence Others: If you are in business and want to ensure big returns with small investment, this is the opportunity. Send gift packages, mainly liquor bottles, to government officials, powerful mediapersons or the people who you think may be useful to you. Any gift given during these festivals will never be deemed as graft or bribe but surely work as exactly the same as the latter does.<br style="mso-special-character:
line-break" />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Stay in Liberated Mood : Regardless of inflation, loan or what you do after these festivals, stay cool sipping more chilled beer or whiskey on the rocks and be in full masti mood. </span></p>
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	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><img alt="" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/featured_nolaughing.jpg" vspace="10" width="338" /></span></span></p>
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	<strong><span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">By Madan Lamsal</span></span></strong></p>
<p class="MsoNormal">
	<span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">&nbsp;</span></span></p>
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	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
">Fear of Futures Contracts</span></p>
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	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><br />
	Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state. <br />
	<br />
	<img alt="" border="1" height="301" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/no-laughing-matter.jpg" vspace="10" width="334" /><br />
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	<span class="A4"><span style="font-size:
59.0pt">I</span></span><span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">f anything Nepal is scared of most at present is the futures contract of the commodities – every sector seems to be terror stricken by this fright. Dr Baburam’s government is shaken and equally confused in guiding another Baburam, who now heads regulatory authority SEBON, to take a further step on this trade. SEBON is frightened apparently, so that it is deliberately delaying to introduce the regulation. Financial sector is fearful in reading our media portrayal that the commodity exchanges are allegedly facilitating massive capital flights. Investors are not ready to invest, and exchanges themselves, about a dozen of them, fear bankruptcy and government wrath – two blows at once. So much so, the writers of a report, which is the root cause of this entire fuss, are even more terribly frightened to find how their very first experience of learning to write a serious report is faced with a hard rock.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">In fact, there is no surprise element in this. Nepalis are culturally averse to the very concept of contracts of any type. Take some examples, we recently sent out the contractor of Melamchi project. Our national flag carrier is at the verge of collapse for failing to strike a contract to purchase an aircraft. People even at the grassroots are determined to stop any development project that has potentials to be contracted. Trade unions resisted the introduction of the employment contract in manufacturing and services sectors. Therefore, much of the hue and cry over the commodities futures markets comes from our inherent disgust to contracts than anything serious like growing risk in investment, i.e. losing money, or even the capital flight.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">True that some feel that trading in the futures markets is like gambling in casinos. But still, Nepalis have not stopped going into casinos even knowing that it is absolutely illegal and there is well over 95% chance of losing money. But futures are not casinos; they are just ‘like’ them, as monkey is like man.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">This also implicitly means that other investments are not like casinos but they are like bank deposits with 200 percent guarantees of annual interest. This would also mean that thousands of investors in the Nepali stocks are in merry-making mood, thousands of industrialists and businessmen are making enjoying an impressive rate of return on their investment now. And, in a nutshell, Nepali economy except for the commodities futures market is stainless and trouble free. Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;
mso-bidi-font-family:">The flight of the capital, of course, there has been. Look at the rate of exchange for Rs100 Indian currency against Rs 168 in the ‘open’ black market. Despite the revered central bank’s repeated assurances that they have big pile of foreign currency reserves, no bank is able to give you more than 200 dollars in cash notes against your travel documents’ entitlement of 2,500 USD. This proves that every convertible currency available is flying away. But, all this has happened when the transactions in these futures exchanges got virtually halted. So, such flight must have taken place through tunnels and trenches dug during the jungle warfare by the brothers and sisters of Mao, Lenin and Che Guevara, who incidentally are now in government. And they only know for sure where exactly these holes, tunnels and trenches exist.</span></p>
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	<span myriad="" style="font-size:10.0pt;line-height:115%;mso-bidi-font-family:
">Again, coming back to the culture, the commodity exchanges should take into consideration that we Nepali firmly believe in -- the on-the-spot delivery of things. When a political party or a trade union asks for ‘donation’, it must be given then and there, otherwise your life may be delivered to God on-the-spot. If you buy or sell house or land or car, you must give or take physical cash – no cheques, no drafts. Even the government official concerned wants to be witness to such delivery. No one believes that he or she is owner of, say, a kilo of gold bought online, if the person cannot materially touch it. May be, these futures exchanges also have to physically deliver something in exchange of a regulation that they are demanding it for so long.</span></p>
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<p class="MsoNormal">
	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
"><img alt="madanlamsal" border="1" height="161" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/madan.jpg" vspace="10" width="177" /><br />
	<span style="font-size:14px;">&nbsp;&nbsp;&nbsp;&nbsp; By:&nbsp; Madan Lamsal</span></span></p>
<p class="MsoNormal">
	 </p>
<p class="MsoNormal">
	The Magic of Poverty Cards</p>
<p class="Default">
	<span style="font-size:15.0pt;color:#211D1E"><br />
	If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br />
	<img alt="no laughing matter" border="1" height="313" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(2).jpg" vspace="10" width="341" /><br />
	<br />
	</span><span class="A13"><span new="" style="font-size:59.0pt;mso-bidi-font-family:" times="">P</span></span><span new="" style="font-size:10.0pt;mso-bidi-font-family:" times="">overty is pervasive as pervasive are the communist ideologies, ideologues and leaders in Nepal. There could be many manifestations of the relations between the communism and the poverty. Since the communism is commonly interpreted as the dictatorship of proletariats, then all people first must be proletariat or belonging or possessing no material wealth; means absolute poor. Nepal is run by an ultra-left Maoist government, then, by definition every citizen of this country is a proletariat, or absolute poor.&nbsp; <br />
	</span></p>
<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">How would you establish that every Nepali is in indeed a proletariat or poor? For this purpose, the Red government has a very innovative idea of distributing ‘Poverty Cards’ to every Nepali. And, to make sure that every Nepali is entitled to this card, the government has a full-proof plan of first evenly distributing the poverty among the entire populace by every means possible and then start beginning to distribute these MAGIC cards to each citizenry.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">Some may have seen recent industrial unrest, largely created by the trade unions affiliated to ruling, or if not, to this or that Left Party, as detrimental to national prosperity. But, in fact that is a well planned communist strategy of making every one poor as soon as possible so that the capitalist entrepreneurs of today, labourers and the men in the streets -- all alike can become eligible to get these ‘poverty cards.’<br />
	<br />
	The government has rightly assigned the donor funded Poverty Alleviation Fund (PAF) to lead this drive to distribute the poverty card. The Fund is all set to start this mission in this very month of September itself. The choice of PAF for the task too is a very appropriate as it is the only institution in the country that has experience of distributing anything related to poverty, including the poverty itself say some.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">Who are the poor? It is the commonplace knowledge that the citizen who does not possess any asset is the poor. Got some clue on why all the leaders of the ruling United Maoist party including its charismatic Chairman Prachanda and Prime Minister Baburam Bhattarai had reiterated that they would surrender all their property in the name of their party? They were in fact making themselves eligible to get this ‘poverty card.’ Not only that, right since the beginning of the guerrilla war, the party also greatly helped to make citizens properly qualified for the card by confiscating the land, houses and property or physically eliminating them who were not instantly becoming poor at the Maoist will.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">All these instances suggest that this ‘card distribution programmme’ is going to be a great success and an event of real national pride. Every citizen of this country is sure to get it. If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">What does this card do? A simple answer is: it will be a magic card capable of providing everything for the one who holds it -- food, education, health services, employment, unemployment benefit, or you just name it. They can also function as the credit cards as well. <br style="mso-special-character:line-break" />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:10.0pt;line-height:115%;color:#211D1E">Then, who all will get this is anybody’s guess! But you can have some hint by the choice of the 25 districts put in the first priority, including Rukum, Rolpa, Gorkha, and Chitwan to distribute these cards. Why these districts? Rukum and Rolpa are where Maoists started the ambitious program of making every Nepali a proletariat and dispensation akin to proletariat dictatorship. Gorkha and Chitwan are the districts where the Maoist numero-uno Prachanda and PM Baburam hail from. Even before that, it goes without saying that all these leaders living in Kathmandu without ‘anything’ would be getting the privilege of this card. We are just waiting to see this card doing the MAGIC.<br />
	</span></p>',
			'published' => true,
			'created' => '2012-10-11',
			'modified' => '2012-10-31',
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			'description' => 'If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.',
			'sortorder' => '610',
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	(int) 7 => array(
		'Article' => array(
			'id' => '675',
			'article_category_id' => '48',
			'title' => 'E-merged Banks',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="no laughing matter" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/featuredbackground(6).jpg" style="width: 158px; height: 85px;" vspace="5" /></p>
<p>
	 </p>
<p>
	<img alt="emerged banks" border="1" height="541" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughimgmatter.jpg" vspace="5" width="300" /><br />
	<br />
	<br />
	Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly. <br />
	<br />
	The e-merging trend is interesting as by now not only the marriage between two firms but a third party has also begun to creep in, rather unexpectedly. The new mergres are sure to go beyond the diagonal or triangular, and can be expected to go further to attracting potential entities from a quadrangular, pentagonal or hexagonal directions, in dozens and scores. This drive towards unity in the financial sector, completely opposite to the nation’s march towards diversity and division in the name of federalism in the realm of politics, is surely awe-inspiring. <br />
	<br />
	With this pace of mergers, the days are not far away that there will soon be only three banks in Nepal– the central bank, a governmentowned bank and a private sector bank But with the mergers, a new problem has also emerged – problem a suitable name for the new entity created. If banks A, B and C are merging, A cannot accept the new bank be named B or C. same goes for B and C. If they name the new entity ABC, again there is problem because in this case A will be happier than B and C as A comes first in the name. They cannot name it BCA or CAB either for the same reason. Hundreds of banks, development banks, finance companies, micro-finance companies and thousands of saving cooperatives in existence have seemingly used up all the conceivable names. And many of the banks have also used names like those of the international banks, thereby narrowing the possibility of picking up a good foreign name. <br />
	<br />
	But they need not panic as the new trend in the international market is to take funny names, unlike serious names so far chosen by Nepali banks. The customers find it easier to remember such names thus ensuring top of the mind recall, as they say in marketing jargon. Look at these names of foreign banks: Redneck Bank, Blue Ball National Bank, Tightwad Bank, First National Bank, The Fifth Third Bank, Moody National Bank etc. <br />
	<br />
	Therefore, my suggestion to the emerging Nepali banks is to go for off-the-beat names that may reflect more accurately the character of the Board Chairman, CEO or Promoter Group. Few suggestions: <br />
	<br />
	<strong><br />
	• Topless Bank Ltd. <br />
	<br />
	• Freak Bank <br />
	<br />
	• The Drunken Liar Ltd. <br />
	<br />
	• Mom, Dad &amp; Sons Bank Ltd. <br />
	<br />
	• Shook and Hook Bank <br />
	<br />
	• Siphon and Run Bank <br />
	<br />
	• Doodle and Drown Bank and so on </strong><br />
	<br />
	<br />
	<br />
	Even your branch, products or bank account names could be different. For example: Pig (not big) Savings Accounts, Beauty Parlour Branch etc. Similarly, instead Oldage Saving Accounts you can have Bald Saving Accounts; instead of Supreme Saving Accounts you can have Superman or Spiderman Saving Scheme. <br />
	<br />
	But at this juncture, the banks must be mindful to pick the word from the right language. As you know many of schools and collages with the English name are now targets of the sister or brother organizations of our political parties. May be tomorrow, such very anglicized names could prove eye pricking to this or that party. I would not advise here in to go for Nepali lexicon directly as Nepal is hopefully be federalized that is why the banks also need to learn to dance in the local tune means choose a right language. <br />
	 </p>',
			'published' => true,
			'created' => '2012-08-15',
			'modified' => '2012-10-10',
			'keywords' => '',
			'description' => 'Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly.',
			'sortorder' => '572',
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	(int) 8 => array(
		'Article' => array(
			'id' => '647',
			'article_category_id' => '48',
			'title' => 'Budget Of Vision 50',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="madan lamsal" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/madanlamsal(3).jpg" style="width: 91px; height: 114px;" vspace="5" /><br />
	<br />
	<strong>By Madan Lamsal </strong><br />
	<br />
	<br />
	The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may. Because, he has a vision for both long and short-terms. As a long term, it is publicly declared objective of the FM’s party to endow Nepal a proletarian dictatorship veering out the country from the clutches of the influence of expansionist, imperialist, capitalist and revisionist powers of the world. To meet this end, FM’s party thinks that it should rule the country for another fifty years. And how can that be possible without bringing about a full-fledged budget, which actually lays foundation stone to rule for next five decades? <br />
	<br />
	<img align="left" alt="no laughing matter" border="1" height="348" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(1).jpg" style="margin:10px;padding:10px;" vspace="5" width="300" /><br />
	<br />
	<br />
	Who will implement this great vision? Simply, the cadres of own party. No less ! No more !! “Therefore, we are going to increase budget allocation on headings that will send money straight either to the party whole-timers or grassroots people of our party,” the FM remarked during a lunchtime press conference last week. <br />
	<br />
	<br />
	On the occasion, the FM also made a number of supplementary plans public. One, the government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Two, the government would treat every Nepali like his party cadre and every cadre of party as Nepali. “Once we start calling it fixed deposit we will get additional leeway to implement our different policies including subsidy in arms and ammunitions, if not in fertilizer,” said the FM. <br />
	<br />
	<br />
	The short term vision of the budget would rightly be on the November elections and the economic benefits of it. FM shared that the declaration of these polls was in fact a well-thought about strategy to revive the economy. Therefore, the government is dead against revival of the dead Constituent Assembly, he declared. According to him, the salaries paid to the CA members and ministers and the rise given in that from time to time, saved the country’s economy going into recession for the last four years. “But the potency of that trick was declining with the passing months. So we declared election,’ he explained. <br />
	<br />
	<br />
	He viewed that the businesses were becoming stingier in the recent months making it difficult for the government to collect more taxes which could be given by the government to the party cadres to generate economic activities. He also divulged that the CA members who represented the poor in the past elections were no longer poorer as they collected enough money over the last four years. Thus, they were spending less and saving more out of their salary and perks. This explains how well our FM understands the famous theory of economics that the marginal propensity to consume for an individual goes down with every increase in the income. <br />
	<br />
	<br />
	Elaborating on how the elections will revive the economy, the FM said: “This will give double whammy. The politicians are likely to flow out the money they have stashed in their vaults into the economy. This money will be spent in the elections and that will create economies of scale. When the new set of people gets elected, a new round of consumer spending from the salary they get will be started. That will give a new fillip to the economy.” Looks like his party is determined to rule for next fifty years. <br />
	<br />
	<br />
	 </p>',
			'published' => true,
			'created' => '2012-08-09',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may.',
			'sortorder' => '547',
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	(int) 9 => array(
		'Article' => array(
			'id' => '583',
			'article_category_id' => '48',
			'title' => 'Redawn Of PE Era',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img align="top" alt="" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/comedy.jpg" style="width: 112px; height: 136px;" vspace="5" width="112" /></p>
<p>
	Except for one or two, all 36 public enterprises (PEs) of Nepal are in huge losses. Dairy Development Corp is already in milk which is rotting and stinking. The Gorakhkali Tyre has become flat. National flag carrier NAC, has lost the nose. (Nac in Nepali means nose). Nepal Oil Corporation (NOC) has already burnt the midnight oil. Nobody knows how ensured is Rastriya Beema Sansthan, the state-owned insurance company, as it its accounts are not audited for almost a decade.</p>
<p>
	<img align="middle" alt="no laughing matter" border="5" height="252" hspace="1" src="http://newbusinessage.com/ckfinder/userfiles/Images/joke.jpg" vspace="1" width="300" /></p>
<p>
	Should we talk about Kathmandu Upatyaka Khanepani Ltd. (KUKL)? Ordinary Nepali people get confused reading KUKL as it sounds like KAKAKUL which means a legendary bird that is always thirsty. Nepal Electricity Authority (NEA), that has monopoly on power trade is running in loss as it is busy in trading power at political circles than in power circuits.</p>
<p>
	So far Nepal Telecom is proving itself one exception as it is still in profit. However, it too has started trembling after the entry of a heavyweight competitor in the form of Ncell. Then there is a cigarette company PE which is blowing in the air. Similalry, the two cement PEs are all set to kick the dust.</p>
<p>
	But the government is determined to continue keeping these enterprises by funneling money they need to survive. The vowed purpose is evident. The political parties who run the governemnt in turn are in fact waging employment revolution in the country by appointing their cadres to various positions in the PEs. In doing so, the parties have effected another revolution: they have waived the traditional and thus regressive criteria of education and experience to get a job in these PEs. Only one criterion that needs to be fulfilled is that one must be a blind-supporter of the political party in power. So, one eighth-grader runs NAC and a head clerk is recently made GM in National Trading Ltd.</p>
<p>
	All these great things have been possible only because of our revolutionary Prime Minister. As it became clear that his party cadres are no more going to get salary from the government coffer, he was quick to place many of them in the PEs as well as private sector corporate houses. Our PM had announced his determination to develop the country very fast with a leap-frogging pace, when he was the Finance Minister some years back. According to his philosophy, you can develop the country by hook or by crook. And for Nepal he has picked-up only the latter part of the model i.e. by crook or crooked ideas.</p>
<p>
	To develop an economy you should first open factories or firms and create employment. For that you need to import machines and raw materials and construct roads and buildings. For that you need a lot of money. Since the Nepali government does not have any money left after paying the party cadres in any possible pretext, the government has adopted this short-cut route to development through PE, just as a replica of Panchayat hay-days under King Mahendra.&nbsp;</p>
<p>
	 </p>',
			'published' => true,
			'created' => '2012-02-22',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Our PM had announced his determination to develop
the country very fast with a leap-frogging pace, when he
was the Finance Minister some years back.',
			'sortorder' => '485',
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	(int) 10 => array(
		'Article' => array(
			'id' => '526',
			'article_category_id' => '48',
			'title' => 'See The Sea Change',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="" border="1" hspace="10" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/madanlamsal.jpg" style="width: 103px; height: 127px;" vspace="10" /><br />
	<strong>By Madan Lamsal <br />
	</strong><br />
	<br />
	It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed. <br />
	<br />
	<br />
	In the past, the industrialists used to run the hotels, factories or companies. But at present it is the trade unions that do that job. In the past the businessmen had lot of money, today all the money is either with the politicians and bureaucrats or dons. In the past it was License Raj, today it is Goondaraj, which is claimed to be the Nepali version of free market economy. Therefore, in the past one got the license after the officers felt the criteria were met.</p>
<p>
	 </p>
<p>
	<img alt="" height="249" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/laugingmatter.jpg" width="400" /><br />
	<br />
	In the past, the job of the police was to prevent the thieves from stealing or the robbers from looting those connected to Narayanhity Durbar, now their job is at jeopardy if the let-loose bandits connected to the Durbars at Paris Danda, Balkhu and Sanepa is even suspected by the police. These days people feel comfortable to see the bandits to whom they pay weekly charge called hafta. Rather they disdain the appearance of politicians who nowadays enjoy the larger chunk of the same hafta. <br />
	<br />
	<br />
	The public corporations used to be rich by earning handsome profit. Now the affluence has shifted to their employees and politicians and the corporations are in ramshackle. In those old good days, sick people used to get good after visiting a doctor. But today, even a healthy person becomes sick as soon as he/she sees the one. There was a time when fat man in the street generally meant a businessman or a rich fellow. Businessmen used to run or morning walk to burn their fat. <br />
	<br />
	<br />
	Today, all their fat is taken away some by the banks, some by the politicians and some by the extortionist Goondas. But now, they who are in trouble don't need to panic thinking about the tricks of suicide. It is just that they need to come out of building home or office, a shooter might be standing right at the doorstep to facilitate his journey to heaven. Originally, educational institutions were means for social service and were opened to educate and inculcate moral values and culture in the heads of the students. Today schools and colleges are opened solely for profit. Students too, used to attend the classes. <br />
	<br />
	<br />
	Their objectives these days is to be in demonstrations and at the service of political leaders if they are in the government colleges, or for dating if they are from five-star private colleges. Even the fashion has gone a sea change. Those were days when the girls had long hairs and wore the earrings. Today it is just the opposite - the boys have taken up the girls fashion and vice-versa. Nowadays men have started to marry men and women have started to marry women. Dating spots too have changed from the zoos and parks to the shopping malls or department stores. <br />
	<br />
	<br />
	These are only a few instances of a massive changes that are going around us. But it is the media that has failed to embrace the fast pace of changes. Like in the past most media enjoy portraying good to a political patron regardless of how bad he could be. <br />
	<br />
	<br />
	So, is not it the time to change for media too? <br />
	 </p>',
			'published' => true,
			'created' => '2012-01-21',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed.',
			'sortorder' => '430',
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	(int) 11 => array(
		'Article' => array(
			'id' => '478',
			'article_category_id' => '48',
			'title' => 'Nepal In 10 Years (October 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div>
	<div style="text-align: justify;">
		<strong><img align="left" alt="nolaughingmatter" border="1" height="173" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(3).jpg" style="width: 143px; height: 173px;margin:10px;padding:10px;" vspace="5" width="143" />By Madan Lamsal</strong></div>
	<div style="text-align: justify;">
		<strong><br />
		</strong></div>
</div>
<div style="text-align: justify;">
	Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay. But I feel otherwise. In 10 years, Nepal will be at par to fully developed countries and livable like a heaven. At least the words and actions of Nepal's business community, government and the main political leaders clearly indicate to that.</div>
<div style="text-align: justify;">
	<br />
	In recent years, many of Nepali entrepreneurs have proved themselves very innovative in businesses by selling sweets to cereals and setting-up restaurants to bottling water plants. Nepal's private sector has shown a true entrepreneurial spirit.&nbsp;They know how to exploit the ignorance of common people by taking advantage of true free market of Nepal, regulated by none but only Lord Pashupatinath.</div>
<div style="text-align: justify;">
	<br />
	<br />
	The foreigners must be watching all these developments with very keen interest. Therefore, within 10 years Nepal will receive thousands of foreign direct investments (FDI). Because, foreign investors have already seen that there is almost zero FDI in this country except few Indian joint ventures companies struggling here to breathe. Therefore, it is a virgin land for them to invest. Foreigners may have also observed that Nepali workers have been working in foreign countries with paltry salary and they are so loyal there. If these very Nepalis are given jobs in their homeland they will definitely be happier and more loyal to the FDIs. Moreover, the new Finance Minister, who <img align="left" alt="nolaughingmatter" border="1" height="414" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/oct-no laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="350" />is said to be the man with action or man with a gun, has already said that year 2012 will be the ' Year for Investment '.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In 10 years Nepal plans to attract more than 20 million tourists a year. Because two years ago Prachanda, the then PM of the Maoist government had announced that Nepal will receive 2 million tourists in 10 years time. Again Maoist is in the power now. So we can definitely hope that they will force many tourists to visit Nepal. They will visit Nepal as well as they do to Vietnam or Russia to see the truly endangered disciples of Lenin and Che Guevara. Tourists will not visit Nepal only to see mountains or for trekking but to get hold of the rarest sights like the YCL camps at factories and to see their commandos' street gang-fights.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In a decade, Nepal will produce at least 20,000 megawatt electricity not from the hydropower but from road garbage, wind and cow dung, etc. The impact will be such that Nepal will no more need to import petroleum. By then power consumption will increase so much that export of electricity will be obsolete issue. India, who has been waiting for Nepal's electricity for her industrial growth will be bewildered. The pipeline for petroleum that has been laid out from Lhasa to Khasa of China will be useless. Rather, Nepal will earn a lot of money from the carbon trading because of zero consumption of petroleum products.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	Many foreigners from American to Europeans and from Japanese to Singaporeans will apply for working visa here as many of them want to work in the developed Nepal in 10 years time. So there will be a huge problem of illegal foreign workers. So the main task of almost all foreign diplomats' in Nepal will be to seek an appointment with Nepali leaders to rescue their citizens from different illegal indulgences.</div>',
			'published' => true,
			'created' => '2011-10-11',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay...............',
			'sortorder' => '388',
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	),
	(int) 12 => array(
		'Article' => array(
			'id' => '437',
			'article_category_id' => '48',
			'title' => 'The Third-party Miracle (september 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="border-width: medium medium 1pt; border-style: none none solid; border-color: -moz-use-text-color -moz-use-text-color rgb(196, 21, 28); padding: 0in 0in 2pt;">
	<div style="text-align: justify;">
		<span style="font-size:12px;"><strong><img align="left" alt="lauging" border="2" height="167" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(2).jpg" style="width: 137px; height: 167px;margin:10px;padding:10px;" vspace="10" width="137" />By Madan Lamsal</strong><br />
		<br />
		The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number of agents to net a small fry who would ultimately agree to buy their policy. But, these days, their business is so smoothly automated, money floods into the office by any minor economic activity a nouveau riche carries out. No sooner, one buys a private car, a taxi or a rental minibus, the premium amount in the name of the third party insurance automatically flows into insurance company account.<br />
		<br />
		There are other advantages of the third party insurance. This particular insurance has embedded self-defense mechanism. For example, more vehicles means more premium. Also, it means more traffic jams on the road. That means less speed, and less accidents. Lesser number of accidents naturally results in highly reduced claim on insurance. This is truly a full-proof proposition. All these have contributed to balloon-up the premium collection. And more profits, more leisure time for the insurance company executives. <br />
		<br />
		<img align="left" alt="nolaughingmatter" border="2" height="329" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="400" />This leisure has provided some value-time for the top insurance executives to be more creative to think about truly new product, as effective as the third party. In a meeting of a group of CEOs, the most imaginative one proposed that they must launch the third party insurance product for the aeroplanes and bicycles. The other one seconded, bicycles are perfectly ok but the aeroplane products must be thoroughly researched.<br />
		<br />
		<br />
		Objected the third, Only thing we must think about is not the product research but to identify the party that can force some sort of insurance. Look, how some of the foreign missions have been great help to us. They have made the travel and host country health insurance compulsory to issue a visa. Every traveler pays the premium for this but never comes back to claim anything.<br />
		<br />
		<br />
		The next volunteered, even if they did, the companies could easily shirk away saying that the coverage was just for minor illnesses like common cold or fever. Because no one asks what is covered in a haste to get visa, such insurance is always uncertain even to those Nepalis who is in who's-who list.<br />
		<br />
		<br />
		But many thought ˜the third party airplane insurance was indeed a marvellous idea. So, the group assigned to explore the possibility to two chosen energetic CEOs. For the purpose, they flew by a plane to a new destination together. Both of them had bought flight insurance. After landing at the airport the other end, one remarked, "What a wastage! The premium we paid for the flight insurance went in vain."</span><span style="font-size:12px;"><span style="line-height: 115%;"> Other one evaluated, but, you see, third party air insurance seems to be real good proposition as aeroplane is unlikely to hit and kill anything en route. Thus entire premium gets saved for the company.<br />
		<br />
		<br />
		<br />
		<br />
		</span> </span></div>
</div>',
			'published' => true,
			'created' => '2011-09-28',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number.....',
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	(int) 13 => array(
		'Article' => array(
			'id' => '415',
			'article_category_id' => '48',
			'title' => 'Nepal Can't Be Overpopulated (august 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="margin-bottom: 0.0001pt; line-height: 120%; vertical-align: middle; text-align: justify;">
	<span style="font-size:12px;"><i><span style="line-height: 120%;"><img align="left" alt="madan" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(6).jpg" style="width: 112px; height: 136px;margin:10px;padding:10px;" vspace="5" width="112" />By Madan Lamsal</span></i></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><span style="color: rgb(134, 55, 59); letter-spacing: -0.05pt;">E</span><span style="letter-spacing: -0.05pt;">ver since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really overpopulated. People have started to ask the same question to several experts and not so experts, politicians and economists. And the answers that come about are very interesting.&nbsp;</span></span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Some samples of the answers: Nepali Congress leaders say: Nepal is not overpopulated. The reason as furnished by a leftist politician is that, for capitalists like the Nepali Congres ,the bigger the population, the higher the voter base. So the population is less until the Congress gets enough votes to form the government.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">If you ask a Hindu or a Muslim or a Christian fundamentalist, the answer is still no. Because, to religious leaders, the fear of being outnumbered by the other religion is persistent and they believe that Pashupatinath, Allah or Christ will come to feed any size of population.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">But, an&nbsp;immigration officer is most likely to say yes, Nepal is overpopulated ! This is because he must be getting tired of processing thousands travel documents of youth going abroad everyday. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">But the economists are unlikely to say either yes or no. They will only say: the moment a country has overpopulation, it will not be able to sustain any addition in the population. Some of them may even advise you to read Danish economist Ester Boserup who made strong case in support of population growth for the economic benefit of the country. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;"><img align="left" alt="madan" border="1" height="399" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/economy.jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Whatever the people of different background may say, It is futile to worry about the size of the population. Because, more people, more production, more money, more consumption, more profit to the companies and more revenue to the government and more donations to the political parties and opportunity for more extortions to the affiliates of political parties of different hues and colours. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Even with a population close to 30 million we have been able to feed ourselves. We don't need to worry about gainful employment here within the country, as overseas employment will be in abundance as long as Nepalis agree to work for the pay just enough to foot the travel bill and payback the loan gotten to fly abroad, after five years of work. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">This means your country's income grows only when your people go abroad and send in money from there. That was so simple to understand for our forefathers who started the system of Lahure, i.e. sending people abroad (Lahore at that time) for earning. The same is being done today. And this should be expanded. This requires our population to increase further so that more people will go abroad and Nepal will earn more. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: 0.1pt;">Nepali economy is live and kicking just because of a growing population. Not only migrant workers, see it from every angle, the population growth is a must for economic growth. As more babies are born,&nbsp; the more diapers will be sold and there will be higher profits for such companies and a bigger pay rise to their&nbsp; employees.&nbsp;Therefore, clearly, the hue and cry of overpopulation in Nepal is an absolute anti-thesis to country's economic growth and people's well-being. </span></span></div>',
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			'modified' => '2012-09-16',
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			'description' => 'Ever since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really........',
			'sortorder' => '330',
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	(int) 14 => array(
		'Article' => array(
			'id' => '387',
			'article_category_id' => '48',
			'title' => 'Changing Face Of Crisis (july 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 120%; vertical-align: middle;">
	<span style="color: rgb(178, 34, 34);"><i><span style="font-size: 8pt; line-height: 120%;"><img align="left" alt="madan" border="1" height="108" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img2(3).jpg" style="width: 90px; height: 108px;margin:10px;padding:10px;" vspace="5" width="90" />By Madan Lamsal<br />
	<br />
	<br />
	</span></i></span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 10.5pt;">T</span><span style="font-size: 9.5pt;">hese days, if you encounter any crestfallen wo/man with faded pulchritude and desperate to reach somewhere sooner, s/he could easily be a banker. With the collapse of BFIs in a row, even the CEO of healthiest of these institutions is sacred to the hilt. Simply because, before one could explain the robustness of his or her institutions, things are seen going out of hand of these expert managers.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">Except those under the government raincoat, almost all BFIs are feeling the pinch of acid-rain, some term it liquidity- and others lucre-dity-driven crisis. And every crisis is a god-sent lottery to some, and so called older and large banks are now enjoying the unprecedented deposit flow when their smaller and younger fellows gasp for life.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">The lifestyle, personality and approach of the CEOs of many of these BFIs have completely changed. They have ceased to wear tie. Harrods tweed has been replaced by Bangkok boutique. Razor sharp creases of the dress have disappeared and, instead of driving individual cars, many senior executives of an institution are seen stacked in single vehicle. They are not doing it for their security by feigning move-incognito, but all of them are putting these sincere efforts to support the Nepal Rastra Bank Governor's objectives to bring down the national inflation to a single digit. In cocktails, they hardly speak. Even if they do, they just mew. Their eyes are anxious not to bump with any guy from Baluwatar, by chance. Who knows, a prestigious banker today may be arrested by the police on the criminal charges of elbowing a central banker in a cocktail party?</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;"><img align="right" alt="laughing" border="1" height="248" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(5).jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Early in the morning, these CEOs dread to read the newspapers. They feel the unusual urge to pee while reading the news about the rampage and killings by wild elephants in the districts like Jhapa. They hallucinate that snores and roars of the Jhapali animals is also coming out of the Baluwatar woods, perhaps without knowing the Jhapa influence in the present day Nepali financial sector. Some CEOs are also scared that, regardless of the financial credentials of their institution, they would be chased by one powerful Jhapali to apparently to install another Jhapali in the CEOs position, in addition to a couple of peripheral advisors to add the operational cost of the purportedly crumbling institution. </span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	<span style="font-size: 9.5pt; line-height: 115%;">But there are more than one solutions to these woes of poor CEOs. First, they must confess that they didn’t know any previous governor or deputy governor of the central bank to vindicate an unflinching loyalty to the present central bank leadership. Second, even if they knew some, they continuously profess that all former Rastra Bank officials including the governor were unprofessional, unqualified and dirty people; and responsible for present mess in the financial system. Also remember to communicate your allegiance to the party that made history by launching the Jhapa andolan. And, don’t commit foolish mistake of visiting new bungalow of the governor worth crores as that may prove something else to his principled credentials as a true proletariat. These tips will surely help you if not your institution.<br />
	<br />
	<br />
	<br />
	</span></div>',
			'published' => true,
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			'id' => '885',
			'article_category_id' => '48',
			'title' => 'Poems By Professionals',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	Nepal&rsquo;s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty. Many businessmen and professionals have thus tried to solace themselves by expressing pangs and pains in poetry. Here are few scattered pieces of poems taken from their diary. Please read them all:</p>
<p>
	&nbsp;</p>
<p>
	&nbsp;</p>
<p>
	<strong>From a banker:</strong></p>
<p>
	<em>A liquidity crisis again envelops&nbsp;</em></p>
<p>
	<em>Base rate, KYC, Basel III to adhere</em></p>
<p>
	<em>In a market highly flawed</em></p>
<p>
	<em>By the grace of self declared Gods.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a realtor:</strong></p>
<p>
	<em>It boggles me how fast</em></p>
<p>
	<em>The land under me caved in</em></p>
<p>
	<em>Why all fingers pointed to me</em></p>
<p>
	<em>Not the chaps aired the bubble first?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a jeweler:</strong></p>
<p>
	<em>Random walk of &nbsp;price of gold</em></p>
<p>
	<em>Sellers are at the hold</em></p>
<p>
	<em>Buyers feel over-sold.</em></p>
<p>
	<em>But the reality is never told.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an investor:</strong></p>
<p>
	<em>Just look at the NEPSE index</em></p>
<p>
	<em>Leaves anyone always perplexed</em></p>
<p>
	<em>As market is bullish taking on risk</em></p>
<p>
	<em>Erring politics smashes it in brisk.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From an economist:</strong></p>
<p>
	<em>The affair of the state is iffy&nbsp;</em></p>
<p>
	<em>The guardian angels acting sneaky&nbsp;</em></p>
<p>
	<em>The mood is damp, almost piffy</em></p>
<p>
	<em>And economy stands fiscal cliffy.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a wage-earner:</strong></p>
<p>
	<em>No job, what else to mention?&nbsp;</em></p>
<p>
	<em>No relief from perennial privation,</em></p>
<p>
	<em>The minimum wage in the nation</em></p>
<p>
	<em>Is never tied to the rate of inflation.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a business leader:</strong></p>
<p>
	<em>We must certainly preface&nbsp;</em></p>
<p>
	<em>Taxing few honest and rich</em></p>
<p>
	<em>As the socialists these days profess</em></p>
<p>
	<em>Will not fill ravine of whopping deficit.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a social planner:</strong></p>
<p>
	<em>We are finding it absurd</em></p>
<p>
	<em>Plans we heard were never delivered</em></p>
<p>
	<em>But all the party comrades did prosper&nbsp;</em></p>
<p>
	<em>People left to have suicide preferred.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a political economist</strong></p>
<p>
	<em>When will parties exhibit maturity?</em></p>
<p>
	<em>Help create stable income and security</em></p>
<p>
	<em>So there could be a sense of certainty&nbsp;</em></p>
<p>
	<em>And markets start to behave with surety.</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>From a planner:</strong></p>
<p>
	<em>Do policy makers really have any plan</em></p>
<p>
	<em>On jobs, inflation and population?</em></p>
<p>
	<em>If it isn&rsquo;t the leaders concern&nbsp;</em></p>
<p>
	<em>What if we lose our temper soon?</em></p>
<p>
	&nbsp;</p>
<p>
	<strong>Finally, from a voter:</strong></p>
<p>
	<em>Our ears can&rsquo;t hear anymore sermon</em></p>
<p>
	<em>About job creation and developed nation.</em></p>
<p>
	<em>We need more apprenticeship skills</em></p>
<p>
	<em>That meets our needs and fixes growth ills.&nbsp;</em></p>
<p>
	<em>Is there anybody to listen?</em></p>
<div>
	&nbsp;</div>',
			'published' => true,
			'created' => '2013-03-23',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Nepal’s business community has now ample time for rejuvenated aesthetic sense and cascading creativity as there is no business, no money and virtually no work as country reels under seemingly never-ending uncertainty.',
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	(int) 1 => array(
		'Article' => array(
			'id' => '882',
			'article_category_id' => '48',
			'title' => 'New Financial Lexicon',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p style="text-align: justify;">
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for. Some examples from a non-exhaustive glossary:&nbsp;</p>
<p style="text-align: justify;">
	<strong>Accrued Interest:</strong> An accumulated interest due in the account of the most-favoured borrower of the bank, which may never be paid.</p>
<p style="text-align: justify;">
	<strong>ACH:</strong> Association of Clever Herds, representing the corporate world created to buy time from their wives.</p>
<p style="text-align: justify;">
	<strong>AML:</strong> A new disease called Acute Myeloid Leukemia diagnosed among some businessmen caused by the flu emanating from Anti Money Laundering (AML) Act.</p>
<p style="text-align: justify;">
	<strong>Appraisal:</strong> An annual drama of awarding a crony of the management for promotion or favouring a mediocre firm at the cost of the best performer without connections.&nbsp;</p>
<p style="text-align: justify;">
	<strong>APR: </strong>A commonly used tool to make customers April Fools, previously known as Annual Percentage Rate.</p>
<p style="text-align: justify;">
	<strong>ATM:</strong> Any Time Malfunction machine to dispense money even from your own account.</p>
<p style="text-align: justify;">
	<strong>Availability Date:</strong> A choreographed schedule of senior bank officials to prove that they actually work sometime, if available for the cause of common business interests.</p>
<p style="text-align: justify;">
	<strong>Availability Policy:</strong> Bank&#39;s policy to indirectly announce its liquidity position by fixing the date when funds deposited into an account will be actually available for withdrawal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank Custodian:</strong> The Central bank, in case of Nepal NRB, is a specialized police custody for the bankers who remain recalcitrant to follow NRB directives issued not necessarily to maintain the safety of depositors&rsquo; assets but to prove that the central bank actually has some teeth and may bite anyone it doesn&#39;t like.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bank:</strong> A glassed cage where you are made to feel like a pig when entered and your assets are valuated only a quarter of what they are actually worth for, and you cannot have any say at any point in time whether you deposit or borrow.</p>
<p style="text-align: justify;">
	<strong>Bankrupt:</strong> New certificate of dignity to most of the clients of most of the banks. And you can justify it by talking all day about recession.</p>
<p style="text-align: justify;">
	<strong>Bear Market:</strong> A cool alcoholic fizzy drink for the losers in the capital market, synonymous with the beer market.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Billionaire:</strong> A rare breed of individuals in Nepal who have never made their books of accounts public and never proved to have done illegal things.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Bull Market: </strong>A market place where oxen are sold and bought by the farmers right before the farming season.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Capitalism:</strong> A policy of almost every political party of Nepal that doesn&#39;t believe in anything less than accumulating capital by hook or by crook.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Collateral:</strong> A single basis of evaluating the borrower&#39;s credit-worthiness in the Nepali banking system, without which Nepali banks cannot even breathe. Things like credit records or project viabilities of the borrowers are bull sheet.</p>
<p style="text-align: justify;">
	<strong>Co-Signer:</strong> An individual who sings in the tune of the boss in the bank, also known as a co-maker.</p>
<p style="text-align: justify;">
	<strong>Deferred Payment: </strong>An act of postponing the payment for a future date which never comes; which has now become a widespread practice in the Nepali banking industry.</p>
<p style="text-align: justify;">
	<strong>Depression:</strong> A psychological phenomena reflecting the state of mind of the citizens, caused by the long run gloomy outlook of the economy.</p>
<p style="text-align: justify;">
	<strong>EBIT: </strong>Bank&#39;s earnings before irregularities and tampering.</p>
<p style="text-align: justify;">
	<strong>Electronic Banking: </strong>&nbsp; An internet or mobile-based service of the banks that allows even a non account holder to obtain account information and manage certain banking transactions through a personal computer, directly logging into the financial institution&#39;s portal.&nbsp;</p>
<p style="text-align: justify;">
	<strong>KYC:</strong> Kill Your Customer &nbsp;&nbsp;</p>
<p style="text-align: justify;">
	<strong>Mutual Fund:</strong> A mutual practice of distributing hefty loans among the CEOs of the banks in a turnkey basis so that they can invest in real estate business.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Outstanding Check:</strong> An errand boy standing outside the door of an office carrying a bank&#39;s check.</p>
<p style="text-align: justify;">
	<strong>SLR: </strong>Self-loading rifle belonging only to the central bank, used to rob the banks in the veil of statutory liquidity ratio.</p>
<p style="text-align: justify;">
	<strong>Stagflation:</strong> When it is the time for the Royal Stag, the leisure borne out of inflation-induced inaction.&nbsp;</p>
<p style="text-align: justify;">
	<strong>Students&rsquo; Loan:</strong> Loans given to students to buy sporty bikes, so as to enable them to undertake a number of dating projects simultaneously.</p>
<div style="text-align: justify;">
	&nbsp;</div>',
			'published' => true,
			'created' => '2013-03-16',
			'modified' => '2013-10-21',
			'keywords' => '',
			'description' => 'Without certain dedicated abbreviations, terms and jargons, no modern sector appears trendy and modern. The financial services definitely cannot fall behind in this innovative venture. What they were originated for and what exactly they have started to mean now is indeed a linguistic feast to cheer for.',
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	(int) 2 => array(
		'Article' => array(
			'id' => '816',
			'article_category_id' => '48',
			'title' => 'Welcome To  ‘Baburo Airways’ Comrades And Commanders!',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<strong>By Madan Lamsal</strong></p>
<p style="text-align: justify;">
	<img alt="" border="0" height="271" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/no_laughing_matter_jan2013.jpg" width="341" /></p>
<p style="text-align: justify;">
	Welcome to our own Nepal’s pride, Baburo Bhattarai &nbsp;Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.</p>
<p style="text-align: justify;">
	You will hear a number of rocking announcements about the poll-ethical weather by our buffalo herding head of the nation, which cannot alter our aim of smooth flight and destination. &nbsp;If you cannot trust me fully as pilot, you may rely on &nbsp;our single-focused co-pilot VJ Gachchr, who have a long experience in maneuvering flights that face troubles. Only thing is he charges extra whenever he has to save such flights led by over-dependent Baburo captain like me.Along with the members of VJ club of Try-Muddesh and trainee fright attendants, we also have side-attendant Ms Yummy with us to greed you. Now we are announcing some safety tips. Therefore, please shut up your mouth and eyes but keep your ears as wide as you can.</p>
<p style="text-align: justify;">
	First of all, I request all the passengers to open their umbrellas as we have a custom of doing so when we have information that there is rainfall in Delhi. When we are ready to take off, the passengers are requested to shout at the highest pitch to scare cows, monkeys and the vultures off the runway, let loose there by Congress, UML and RPP respectively.To entertain you to the hilt, our fright attendants are not wearing makeup today. However, they will be wearing wigs and parachutes hoping to look like clowns to remind you the last Christmas. But they actually look like ghosts of some Ramsey Brother’s late night TV shows.</p>
<p style="text-align: justify;">
	As there is no seat planning, the ones with muscle power can grab the front seats, the weak ones can sit on the stools or on the floor. If I see some near and dear ones of my own, umh! relatives of Ms Yummy, I will make sure they get very lucrative seats regardless of anything. Let me also inform that, I will not be able to listen to anyone except Ms Yummy when in Nepal and some of my gurus like Muni when in Delhi. Therefore, please do not shout if you have any problem.Though the original time for the return flight was for five months, but because of bad weather, that couldn’t be assured. We may reach the destination anytime soon, but the return flight is certainly not certain. We are not too sure about in what height we will be flying as there are lot of efforts going on to bring down my plane. As you know it will be my duty to save my plane even at the cost of passengers and some fellow flight staff. So, anyone might be kicked out of plane if required. So, be ready for an adventure skydiving trip for free and make sure you have your parachute ready for yourself.</p>
<p style="text-align: justify;">
	Our plane has four emergency doors. However, they will be opened only when we feel that we needed to vacate a seat to accommodate a new flight partner sacrificing an existing one to ensure my non-stop flight. We will fly between Delhi and Kathmandu on a regular basis. &nbsp;This will continue till we reach to a consensus that endorses the proposal such that this very captain with the same crew members is allowed to continue to fly this plane. Otherwise, this plane will never land on any airport. Even in case you arrive at your destination, don’t worry, you will be left in the middle of nowhere!</p>
<p style="text-align: justify;">
	Before you exit the plane, please make sure to gather all of your money and valuables. Anything left behind will be distributed among the fright attendants as we believe in common-ism and demons-crazy at the same time. After all, thank you for flying with Baburam Baburo &nbsp;Airways. I am not sure whether you enjoyed giving me an opportunity to be your captain, but I am ecstatic on being the captain of this flight, therefore unwilling to relinquish this pleasure anytime soon!&nbsp;</p>
<p style="text-align: justify;">
	Bon Voyage!</p>',
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			'created' => '2013-03-14',
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			'description' => 'Welcome to our own Nepal’s pride, Baburo Bhattarai  Airways. Captain Baburo Bhattarai welcomes you onboard this flight bound to New Delhi. Our passengers can be fully assured that this flight will land nowhere but on this preannounced destination. Passengers are requested not to be confused with the uncertainty of flight and future of another namesake Airways.',
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	(int) 3 => array(
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			'article_category_id' => '48',
			'title' => 'No Laughing  Matter December 2012',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13"><img alt="nolaughingmatter" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(3).jpg" vspace="10" width="338" /><br />
	By Madan Lamsal</span></span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span class="A13">&nbsp;</span></span></p>
<p class="MsoNormal">
	<strong><span style="font-size:14px;"><span style="line-height: 115%; color: black;">Gangnam Baburam Style<br />
	<br />
	</span></span></strong><span style="font-size:14px;"><span class="A13"><img alt="gangnam" border="1" height="436" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/gangnam.jpg" vspace="10" width="600" /><br />
	</span></span></p>
<p class="Default" style="text-align:justify;line-height:10.05pt">
	<span style="font-size:14px;"><span class="A4"><span style="color: windowtext;">T</span></span><span style="color: windowtext;">he only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end. <br />
	</span></span></p>
<p class="Default">
	<span style="font-size:14px;"><br />
	In fact, the Nepali PM and Korean Pop star have many similarities. To increase viewership, as Psy appears on TV shows worldwide, our BRB stages TV shows like address to the nation very often and his efficient private secretariat makes sure that every move of him is recorded and posted to media. As the short form of Psy of Korea, people have started to call the pop star ‘Psy-Ko’, whereas BRB is already recognized at home as a ‘Psycho’ for his weird manners, permanent wear of anger on his face and schizophrenic self-righteousness. Perhaps the most notable similarity between Psy-Ko and Psycho is in their perspectives to view capitalists. While the Psy-Ko has made mockery of the hypocrisy of Gangnam aristocrats of Korea presenting them as riding on an non-existent horse, through dance metaphor, BRB back home has murdered many who he thought were capitalists. Who knows what he exactly plans next in this particular regard!</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">Despite so many similarities, it is truly unfair for BRB to go the opposite direction of Psy’s popularity chart. It truly warrants a deeper inquiry into such debacle of BRB’s popularity. Zoologists who know which creature is worth what and Hindu mythologists who know who should ride what animal as bahan (carrier) agree here that, this difference in popularity could have been caused by their difference in selecting the creature as means of their respective message carriers. Psy-Ko has chosen an imaginary horse and his every dance step represents how he is holding the reigns of a galloping horse, at different movements and speeds. Instead, our BRB for long has chosen a frog, leaping stochastically, which he can neither ride nor reign in.</span><span style="font-size:14px;">&nbsp;&nbsp; <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">If BRB is really dying for a Psy like popularity and his permanent anger is due to his failure to achieve this, he actually can work on it. First, he does not need to limit himself to politics and the country’s prime minister. He can officially handover all those responsibilities to his wife Hisila, as he has already done so unofficially. The advantage is that, at present there is no constitutional restriction in doing so in the present day Nepal as there is no effective constitution in place. Therefore, it is an opportune moment for this transfer of power as well. Then, he should be able to devote more time for brand endorsement as Psy-Ko is reportedly endorsing new models of Samsung’s range of Kim-chi refrigerators. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">BRB just has to consolidate what he has already begun as the brand ambassador of Mustang four-wheelers immediately after he became prime minister. He can well be the brand ambassador of Samsung products in Nepal; as the franchisee of the brand here is the same business house that produces Mustang. <br />
	</span></p>
<p class="Default">
	<span style="font-size:14px;">The reason for the popularity of the Gangnam Style is not the fact that the Western world understood the meaning and the language of the song that implicitly ridicules the western-style consumerism. The truth is that the world just danced to its tune, without any idea about what that song is all about. On this count, BRB seems to have understood the underlying message clearly. So he is singing anti-capitalist and anti-democratic rap in a way that the West does not understand at all, but the tune that goes with the song is so hypnotizing for them that they are all dancing to BRB’s tune as well. <br />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:14px;"><span style="line-height: 115%;">More interestingly, even the Nepali people are dancing to BRB’s tune despite the fact that they understand the terrifying message of benevolent dictatorship inherent in these songs. The music that goes along is such that it makes them oblivious of the message that BRB has artfully weaved in his rap. So, BRB can now smile on this count of success, at least.</span></span></p>',
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			'description' => 'The only person who has turned absolutely jealous over the viral fever like spread of popularity of the Gangnam Style dance of South Korean pop star Park Jae-sang, popularly known as Psy, is our own Prime Minister Dr BRB. BRB’s impatience and anger have doubled since he heard that British Prime Minster Cameroon too has learnt these 1X1X2=1X3 dance steps, and the Gangnam video broke all previous records with close to 900 million views on YouTube by November end.',
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	<span class="A15"><span style="font-size:59.0pt">F</span></span><span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">or Nepalis, every bit in life is celebration. Sixth day of the birth is a ceremony, then comes naming ceremony. That is followed by rice-feeding, sacred-thread wearing and marriage ceremonies. Then there are ceremonies at different age points of the person. And finally there is death which is again observed as a ceremony and that too follows a ceremony every year – called Shraddha. You or your kith and kin invite all your loved ones, eat drink and enjoy in these ceremonies. <br />
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	<br />
	And there are festivals like Dashain-Tihar, Chhat, Id and Christmas – they all bring jubilations. The moment is worth being oblivious to everything possible from gloomy outlook of the economy, ever-angry face of your prime minister to virtually doomed future of the country. As Nepalis have long tradition of celebration, they don’t normally need advice on how to take out best from festival celebrations. However, in secular Nepal, these celebrations also have to be aptly fitting. So here are some tips to make these celebrations acceptable across all caste, creed and religion: <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-spacerun:yes">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>Booze Out : Taking holy bath every morning during the nine days of Navaratri (ir Dashain) and five days of Yama Panchak (Tihar festival that falls after a fortnight of Dashain) are the things of past feudal Nepal. In new Nepal, the tradition of holy water sprinkling has been changed to distilled ‘water’ drinking, uniformly. Old traditional water use was limited only to Hindus, depriving other groups of equal celebration rights. So the new distilled water which is inclusive akin to federal character has replaced the old holy water with vigor and speed. One may or may not be Hindu, put tika or not. But because of this liquid, everybody can equally enjoy the festivities. No need to mention about equally secular feast of food. <br />
	<br />
	Old were the times when certain social groups didn’t eat certain types of meat. Now every meat is acceptable to everyone -- no bars to beef, buff, pork or chicken. This actually adds the pleasure of the festival for reasons of variation in dishes and tastes. So break free, booze out to the fullest. All breathalyzer holding cops will be either of the roads or on similar festive mood as you are. <br />
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	<span style="font-size:10.0pt;mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• <span style="mso-tab-count:1">&nbsp;&nbsp;&nbsp; </span>Gamble to the Hilt : Festivals are the time to convert the home living rooms to virtual casinos. For your convenience, the Maoist government has done a cultural revolution by generously reducing the load shedding to 18 hours and then for the festivals to 12 hours a week for festival related cultural activities like gambling, drinking and gang-fighting. Not only that, to extend days of playing dice and card games of marriage, flush or twenty-nine, there will be two days of weekly holidays, beginning soon after Dashain. Moreover, as always, resourceful Nepalis are free to go, at their will, to the casinos so arduously protected by the Maoist cadres.<br />
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mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Uphold Traditions: Any festival somehow has religious or symbolic value. There used to be Rawan badh street drama, Durga bhajan singings at the neighbourhoods during Dashain or Deusi-bhailo during Tihar. But in essence they were all about making noises to scare away the demons. As that is not suitable for the modern days. Instead, play the music with loudspeakers fully on and dance till midnight so that all the neighbors can also feel that some demons are really on the move. <br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Count on the Discounts: Every item you want to buy during these festivals is discounted. Cloth and shoe stores are clearing the stocks and mobile service providers are offering highly discounted rates. Housing companies are coming up with buy-one-get-one offer. So take advantage of this by making an extra bit - send extra SMS, buy extra house or a car. Don’t worry about money. If banks are not lending, find a local cooperative or dhukuti operator. After all, Nepal is the only country where you can get loans for festivals.<br />
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Influence Others: If you are in business and want to ensure big returns with small investment, this is the opportunity. Send gift packages, mainly liquor bottles, to government officials, powerful mediapersons or the people who you think may be useful to you. Any gift given during these festivals will never be deemed as graft or bribe but surely work as exactly the same as the latter does.<br style="mso-special-character:
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	<span style="font-size:10.0pt;
mso-bidi-font-family:&quot;Myriad Pro&quot;;color:#211D1E">• Stay in Liberated Mood : Regardless of inflation, loan or what you do after these festivals, stay cool sipping more chilled beer or whiskey on the rocks and be in full masti mood. </span></p>
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	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><img alt="" border="1" height="181" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/featured_nolaughing.jpg" vspace="10" width="338" /></span></span></p>
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	<strong><span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">By Madan Lamsal</span></span></strong></p>
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	<span class="A14"><span mso-bidi-font-family:="" myriad="" style="font-family:">&nbsp;</span></span></p>
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	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
">Fear of Futures Contracts</span></p>
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	<span class="A29"><span myriad="" style="font-size:15.0pt;line-height:
115%;font-family:"><br />
	Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state. <br />
	<br />
	<img alt="" border="1" height="301" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/no-laughing-matter.jpg" vspace="10" width="334" /><br />
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	<span class="A4"><span style="font-size:
59.0pt">I</span></span><span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">f anything Nepal is scared of most at present is the futures contract of the commodities – every sector seems to be terror stricken by this fright. Dr Baburam’s government is shaken and equally confused in guiding another Baburam, who now heads regulatory authority SEBON, to take a further step on this trade. SEBON is frightened apparently, so that it is deliberately delaying to introduce the regulation. Financial sector is fearful in reading our media portrayal that the commodity exchanges are allegedly facilitating massive capital flights. Investors are not ready to invest, and exchanges themselves, about a dozen of them, fear bankruptcy and government wrath – two blows at once. So much so, the writers of a report, which is the root cause of this entire fuss, are even more terribly frightened to find how their very first experience of learning to write a serious report is faced with a hard rock.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">In fact, there is no surprise element in this. Nepalis are culturally averse to the very concept of contracts of any type. Take some examples, we recently sent out the contractor of Melamchi project. Our national flag carrier is at the verge of collapse for failing to strike a contract to purchase an aircraft. People even at the grassroots are determined to stop any development project that has potentials to be contracted. Trade unions resisted the introduction of the employment contract in manufacturing and services sectors. Therefore, much of the hue and cry over the commodities futures markets comes from our inherent disgust to contracts than anything serious like growing risk in investment, i.e. losing money, or even the capital flight.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">True that some feel that trading in the futures markets is like gambling in casinos. But still, Nepalis have not stopped going into casinos even knowing that it is absolutely illegal and there is well over 95% chance of losing money. But futures are not casinos; they are just ‘like’ them, as monkey is like man.</span></p>
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	<span myriad="" style="font-size:10.0pt;mso-bidi-font-family:">This also implicitly means that other investments are not like casinos but they are like bank deposits with 200 percent guarantees of annual interest. This would also mean that thousands of investors in the Nepali stocks are in merry-making mood, thousands of industrialists and businessmen are making enjoying an impressive rate of return on their investment now. And, in a nutshell, Nepali economy except for the commodities futures market is stainless and trouble free. Bravo for a perspective which has understood business not as a risk taking game but an operation to be run in mercy and at the mark charted by the state.</span></p>
<p class="Default">
	<span myriad="" style="font-size:10.0pt;
mso-bidi-font-family:">The flight of the capital, of course, there has been. Look at the rate of exchange for Rs100 Indian currency against Rs 168 in the ‘open’ black market. Despite the revered central bank’s repeated assurances that they have big pile of foreign currency reserves, no bank is able to give you more than 200 dollars in cash notes against your travel documents’ entitlement of 2,500 USD. This proves that every convertible currency available is flying away. But, all this has happened when the transactions in these futures exchanges got virtually halted. So, such flight must have taken place through tunnels and trenches dug during the jungle warfare by the brothers and sisters of Mao, Lenin and Che Guevara, who incidentally are now in government. And they only know for sure where exactly these holes, tunnels and trenches exist.</span></p>
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	<span myriad="" style="font-size:10.0pt;line-height:115%;mso-bidi-font-family:
">Again, coming back to the culture, the commodity exchanges should take into consideration that we Nepali firmly believe in -- the on-the-spot delivery of things. When a political party or a trade union asks for ‘donation’, it must be given then and there, otherwise your life may be delivered to God on-the-spot. If you buy or sell house or land or car, you must give or take physical cash – no cheques, no drafts. Even the government official concerned wants to be witness to such delivery. No one believes that he or she is owner of, say, a kilo of gold bought online, if the person cannot materially touch it. May be, these futures exchanges also have to physically deliver something in exchange of a regulation that they are demanding it for so long.</span></p>
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	<span myriad="" style="font-size:32.0pt;line-height:115%;mso-bidi-font-family:
"><img alt="madanlamsal" border="1" height="161" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/madan.jpg" vspace="10" width="177" /><br />
	<span style="font-size:14px;">&nbsp;&nbsp;&nbsp;&nbsp; By:&nbsp; Madan Lamsal</span></span></p>
<p class="MsoNormal">
	 </p>
<p class="MsoNormal">
	The Magic of Poverty Cards</p>
<p class="Default">
	<span style="font-size:15.0pt;color:#211D1E"><br />
	If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br />
	<img alt="no laughing matter" border="1" height="313" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(2).jpg" vspace="10" width="341" /><br />
	<br />
	</span><span class="A13"><span new="" style="font-size:59.0pt;mso-bidi-font-family:" times="">P</span></span><span new="" style="font-size:10.0pt;mso-bidi-font-family:" times="">overty is pervasive as pervasive are the communist ideologies, ideologues and leaders in Nepal. There could be many manifestations of the relations between the communism and the poverty. Since the communism is commonly interpreted as the dictatorship of proletariats, then all people first must be proletariat or belonging or possessing no material wealth; means absolute poor. Nepal is run by an ultra-left Maoist government, then, by definition every citizen of this country is a proletariat, or absolute poor.&nbsp; <br />
	</span></p>
<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">How would you establish that every Nepali is in indeed a proletariat or poor? For this purpose, the Red government has a very innovative idea of distributing ‘Poverty Cards’ to every Nepali. And, to make sure that every Nepali is entitled to this card, the government has a full-proof plan of first evenly distributing the poverty among the entire populace by every means possible and then start beginning to distribute these MAGIC cards to each citizenry.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10" style="text-indent:14.0pt">
	<span style="font-size:10.0pt;
color:#211D1E">Some may have seen recent industrial unrest, largely created by the trade unions affiliated to ruling, or if not, to this or that Left Party, as detrimental to national prosperity. But, in fact that is a well planned communist strategy of making every one poor as soon as possible so that the capitalist entrepreneurs of today, labourers and the men in the streets -- all alike can become eligible to get these ‘poverty cards.’<br />
	<br />
	The government has rightly assigned the donor funded Poverty Alleviation Fund (PAF) to lead this drive to distribute the poverty card. The Fund is all set to start this mission in this very month of September itself. The choice of PAF for the task too is a very appropriate as it is the only institution in the country that has experience of distributing anything related to poverty, including the poverty itself say some.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">Who are the poor? It is the commonplace knowledge that the citizen who does not possess any asset is the poor. Got some clue on why all the leaders of the ruling United Maoist party including its charismatic Chairman Prachanda and Prime Minister Baburam Bhattarai had reiterated that they would surrender all their property in the name of their party? They were in fact making themselves eligible to get this ‘poverty card.’ Not only that, right since the beginning of the guerrilla war, the party also greatly helped to make citizens properly qualified for the card by confiscating the land, houses and property or physically eliminating them who were not instantly becoming poor at the Maoist will.<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">All these instances suggest that this ‘card distribution programmme’ is going to be a great success and an event of real national pride. Every citizen of this country is sure to get it. If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.<br />
	<br style="mso-special-character:line-break" />
	</span></p>
<p class="Pa10">
	<span style="font-size:10.0pt;color:#211D1E">What does this card do? A simple answer is: it will be a magic card capable of providing everything for the one who holds it -- food, education, health services, employment, unemployment benefit, or you just name it. They can also function as the credit cards as well. <br style="mso-special-character:line-break" />
	</span></p>
<p class="MsoNormal">
	<span style="font-size:10.0pt;line-height:115%;color:#211D1E">Then, who all will get this is anybody’s guess! But you can have some hint by the choice of the 25 districts put in the first priority, including Rukum, Rolpa, Gorkha, and Chitwan to distribute these cards. Why these districts? Rukum and Rolpa are where Maoists started the ambitious program of making every Nepali a proletariat and dispensation akin to proletariat dictatorship. Gorkha and Chitwan are the districts where the Maoist numero-uno Prachanda and PM Baburam hail from. Even before that, it goes without saying that all these leaders living in Kathmandu without ‘anything’ would be getting the privilege of this card. We are just waiting to see this card doing the MAGIC.<br />
	</span></p>',
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			'created' => '2012-10-11',
			'modified' => '2012-10-31',
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			'description' => 'If some business people are yet out of this poverty bracket, they will soon fall into it as industries are closing, foreign investors are running away and political crisis deepens every other day.',
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		'Article' => array(
			'id' => '675',
			'article_category_id' => '48',
			'title' => 'E-merged Banks',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="no laughing matter" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/featuredbackground(6).jpg" style="width: 158px; height: 85px;" vspace="5" /></p>
<p>
	 </p>
<p>
	<img alt="emerged banks" border="1" height="541" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughimgmatter.jpg" vspace="5" width="300" /><br />
	<br />
	<br />
	Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly. <br />
	<br />
	The e-merging trend is interesting as by now not only the marriage between two firms but a third party has also begun to creep in, rather unexpectedly. The new mergres are sure to go beyond the diagonal or triangular, and can be expected to go further to attracting potential entities from a quadrangular, pentagonal or hexagonal directions, in dozens and scores. This drive towards unity in the financial sector, completely opposite to the nation’s march towards diversity and division in the name of federalism in the realm of politics, is surely awe-inspiring. <br />
	<br />
	With this pace of mergers, the days are not far away that there will soon be only three banks in Nepal– the central bank, a governmentowned bank and a private sector bank But with the mergers, a new problem has also emerged – problem a suitable name for the new entity created. If banks A, B and C are merging, A cannot accept the new bank be named B or C. same goes for B and C. If they name the new entity ABC, again there is problem because in this case A will be happier than B and C as A comes first in the name. They cannot name it BCA or CAB either for the same reason. Hundreds of banks, development banks, finance companies, micro-finance companies and thousands of saving cooperatives in existence have seemingly used up all the conceivable names. And many of the banks have also used names like those of the international banks, thereby narrowing the possibility of picking up a good foreign name. <br />
	<br />
	But they need not panic as the new trend in the international market is to take funny names, unlike serious names so far chosen by Nepali banks. The customers find it easier to remember such names thus ensuring top of the mind recall, as they say in marketing jargon. Look at these names of foreign banks: Redneck Bank, Blue Ball National Bank, Tightwad Bank, First National Bank, The Fifth Third Bank, Moody National Bank etc. <br />
	<br />
	Therefore, my suggestion to the emerging Nepali banks is to go for off-the-beat names that may reflect more accurately the character of the Board Chairman, CEO or Promoter Group. Few suggestions: <br />
	<br />
	<strong><br />
	• Topless Bank Ltd. <br />
	<br />
	• Freak Bank <br />
	<br />
	• The Drunken Liar Ltd. <br />
	<br />
	• Mom, Dad &amp; Sons Bank Ltd. <br />
	<br />
	• Shook and Hook Bank <br />
	<br />
	• Siphon and Run Bank <br />
	<br />
	• Doodle and Drown Bank and so on </strong><br />
	<br />
	<br />
	<br />
	Even your branch, products or bank account names could be different. For example: Pig (not big) Savings Accounts, Beauty Parlour Branch etc. Similarly, instead Oldage Saving Accounts you can have Bald Saving Accounts; instead of Supreme Saving Accounts you can have Superman or Spiderman Saving Scheme. <br />
	<br />
	But at this juncture, the banks must be mindful to pick the word from the right language. As you know many of schools and collages with the English name are now targets of the sister or brother organizations of our political parties. May be tomorrow, such very anglicized names could prove eye pricking to this or that party. I would not advise here in to go for Nepali lexicon directly as Nepal is hopefully be federalized that is why the banks also need to learn to dance in the local tune means choose a right language. <br />
	 </p>',
			'published' => true,
			'created' => '2012-08-15',
			'modified' => '2012-10-10',
			'keywords' => '',
			'description' => 'Nepal’s banks are now e-merging in very high pace by merging among themselves. As the central bank forced them to merge, they thought it appropriate to merge in emergency than to immerse in the pool of problems slowly.',
			'sortorder' => '572',
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	(int) 8 => array(
		'Article' => array(
			'id' => '647',
			'article_category_id' => '48',
			'title' => 'Budget Of Vision 50',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="madan lamsal" border="1" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/madanlamsal(3).jpg" style="width: 91px; height: 114px;" vspace="5" /><br />
	<br />
	<strong>By Madan Lamsal </strong><br />
	<br />
	<br />
	The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may. Because, he has a vision for both long and short-terms. As a long term, it is publicly declared objective of the FM’s party to endow Nepal a proletarian dictatorship veering out the country from the clutches of the influence of expansionist, imperialist, capitalist and revisionist powers of the world. To meet this end, FM’s party thinks that it should rule the country for another fifty years. And how can that be possible without bringing about a full-fledged budget, which actually lays foundation stone to rule for next five decades? <br />
	<br />
	<img align="left" alt="no laughing matter" border="1" height="348" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/nolaughingmatter(1).jpg" style="margin:10px;padding:10px;" vspace="5" width="300" /><br />
	<br />
	<br />
	Who will implement this great vision? Simply, the cadres of own party. No less ! No more !! “Therefore, we are going to increase budget allocation on headings that will send money straight either to the party whole-timers or grassroots people of our party,” the FM remarked during a lunchtime press conference last week. <br />
	<br />
	<br />
	On the occasion, the FM also made a number of supplementary plans public. One, the government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Two, the government would treat every Nepali like his party cadre and every cadre of party as Nepali. “Once we start calling it fixed deposit we will get additional leeway to implement our different policies including subsidy in arms and ammunitions, if not in fertilizer,” said the FM. <br />
	<br />
	<br />
	The short term vision of the budget would rightly be on the November elections and the economic benefits of it. FM shared that the declaration of these polls was in fact a well-thought about strategy to revive the economy. Therefore, the government is dead against revival of the dead Constituent Assembly, he declared. According to him, the salaries paid to the CA members and ministers and the rise given in that from time to time, saved the country’s economy going into recession for the last four years. “But the potency of that trick was declining with the passing months. So we declared election,’ he explained. <br />
	<br />
	<br />
	He viewed that the businesses were becoming stingier in the recent months making it difficult for the government to collect more taxes which could be given by the government to the party cadres to generate economic activities. He also divulged that the CA members who represented the poor in the past elections were no longer poorer as they collected enough money over the last four years. Thus, they were spending less and saving more out of their salary and perks. This explains how well our FM understands the famous theory of economics that the marginal propensity to consume for an individual goes down with every increase in the income. <br />
	<br />
	<br />
	Elaborating on how the elections will revive the economy, the FM said: “This will give double whammy. The politicians are likely to flow out the money they have stashed in their vaults into the economy. This money will be spent in the elections and that will create economies of scale. When the new set of people gets elected, a new round of consumer spending from the salary they get will be started. That will give a new fillip to the economy.” Looks like his party is determined to rule for next fifty years. <br />
	<br />
	<br />
	 </p>',
			'published' => true,
			'created' => '2012-08-09',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The government is changing the name of the ‘fiscal deficit’ into ‘fixed deposit’ so that Nepal’s book of accounts will improve, for forever. Our Finance Minister (FM) who is not only a PhD but also a post doctoral ‘Fellow-of-Reds’ in the guerrilla warfare economics is determined to present a full-fledged budget, come whatever may.',
			'sortorder' => '547',
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	),
	(int) 9 => array(
		'Article' => array(
			'id' => '583',
			'article_category_id' => '48',
			'title' => 'Redawn Of PE Era',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img align="top" alt="" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/comedy.jpg" style="width: 112px; height: 136px;" vspace="5" width="112" /></p>
<p>
	Except for one or two, all 36 public enterprises (PEs) of Nepal are in huge losses. Dairy Development Corp is already in milk which is rotting and stinking. The Gorakhkali Tyre has become flat. National flag carrier NAC, has lost the nose. (Nac in Nepali means nose). Nepal Oil Corporation (NOC) has already burnt the midnight oil. Nobody knows how ensured is Rastriya Beema Sansthan, the state-owned insurance company, as it its accounts are not audited for almost a decade.</p>
<p>
	<img align="middle" alt="no laughing matter" border="5" height="252" hspace="1" src="http://newbusinessage.com/ckfinder/userfiles/Images/joke.jpg" vspace="1" width="300" /></p>
<p>
	Should we talk about Kathmandu Upatyaka Khanepani Ltd. (KUKL)? Ordinary Nepali people get confused reading KUKL as it sounds like KAKAKUL which means a legendary bird that is always thirsty. Nepal Electricity Authority (NEA), that has monopoly on power trade is running in loss as it is busy in trading power at political circles than in power circuits.</p>
<p>
	So far Nepal Telecom is proving itself one exception as it is still in profit. However, it too has started trembling after the entry of a heavyweight competitor in the form of Ncell. Then there is a cigarette company PE which is blowing in the air. Similalry, the two cement PEs are all set to kick the dust.</p>
<p>
	But the government is determined to continue keeping these enterprises by funneling money they need to survive. The vowed purpose is evident. The political parties who run the governemnt in turn are in fact waging employment revolution in the country by appointing their cadres to various positions in the PEs. In doing so, the parties have effected another revolution: they have waived the traditional and thus regressive criteria of education and experience to get a job in these PEs. Only one criterion that needs to be fulfilled is that one must be a blind-supporter of the political party in power. So, one eighth-grader runs NAC and a head clerk is recently made GM in National Trading Ltd.</p>
<p>
	All these great things have been possible only because of our revolutionary Prime Minister. As it became clear that his party cadres are no more going to get salary from the government coffer, he was quick to place many of them in the PEs as well as private sector corporate houses. Our PM had announced his determination to develop the country very fast with a leap-frogging pace, when he was the Finance Minister some years back. According to his philosophy, you can develop the country by hook or by crook. And for Nepal he has picked-up only the latter part of the model i.e. by crook or crooked ideas.</p>
<p>
	To develop an economy you should first open factories or firms and create employment. For that you need to import machines and raw materials and construct roads and buildings. For that you need a lot of money. Since the Nepali government does not have any money left after paying the party cadres in any possible pretext, the government has adopted this short-cut route to development through PE, just as a replica of Panchayat hay-days under King Mahendra.&nbsp;</p>
<p>
	 </p>',
			'published' => true,
			'created' => '2012-02-22',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Our PM had announced his determination to develop
the country very fast with a leap-frogging pace, when he
was the Finance Minister some years back.',
			'sortorder' => '485',
			'image' => null,
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	(int) 10 => array(
		'Article' => array(
			'id' => '526',
			'article_category_id' => '48',
			'title' => 'See The Sea Change',
			'sub_title' => '',
			'summary' => null,
			'content' => '<p>
	<img alt="" border="1" hspace="10" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/madanlamsal.jpg" style="width: 103px; height: 127px;" vspace="10" /><br />
	<strong>By Madan Lamsal <br />
	</strong><br />
	<br />
	It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed. <br />
	<br />
	<br />
	In the past, the industrialists used to run the hotels, factories or companies. But at present it is the trade unions that do that job. In the past the businessmen had lot of money, today all the money is either with the politicians and bureaucrats or dons. In the past it was License Raj, today it is Goondaraj, which is claimed to be the Nepali version of free market economy. Therefore, in the past one got the license after the officers felt the criteria were met.</p>
<p>
	 </p>
<p>
	<img alt="" height="249" src="http://www.newbusinessage.com/ckfinder/userfiles/Images/laugingmatter.jpg" width="400" /><br />
	<br />
	In the past, the job of the police was to prevent the thieves from stealing or the robbers from looting those connected to Narayanhity Durbar, now their job is at jeopardy if the let-loose bandits connected to the Durbars at Paris Danda, Balkhu and Sanepa is even suspected by the police. These days people feel comfortable to see the bandits to whom they pay weekly charge called hafta. Rather they disdain the appearance of politicians who nowadays enjoy the larger chunk of the same hafta. <br />
	<br />
	<br />
	The public corporations used to be rich by earning handsome profit. Now the affluence has shifted to their employees and politicians and the corporations are in ramshackle. In those old good days, sick people used to get good after visiting a doctor. But today, even a healthy person becomes sick as soon as he/she sees the one. There was a time when fat man in the street generally meant a businessman or a rich fellow. Businessmen used to run or morning walk to burn their fat. <br />
	<br />
	<br />
	Today, all their fat is taken away some by the banks, some by the politicians and some by the extortionist Goondas. But now, they who are in trouble don't need to panic thinking about the tricks of suicide. It is just that they need to come out of building home or office, a shooter might be standing right at the doorstep to facilitate his journey to heaven. Originally, educational institutions were means for social service and were opened to educate and inculcate moral values and culture in the heads of the students. Today schools and colleges are opened solely for profit. Students too, used to attend the classes. <br />
	<br />
	<br />
	Their objectives these days is to be in demonstrations and at the service of political leaders if they are in the government colleges, or for dating if they are from five-star private colleges. Even the fashion has gone a sea change. Those were days when the girls had long hairs and wore the earrings. Today it is just the opposite - the boys have taken up the girls fashion and vice-versa. Nowadays men have started to marry men and women have started to marry women. Dating spots too have changed from the zoos and parks to the shopping malls or department stores. <br />
	<br />
	<br />
	These are only a few instances of a massive changes that are going around us. But it is the media that has failed to embrace the fast pace of changes. Like in the past most media enjoy portraying good to a political patron regardless of how bad he could be. <br />
	<br />
	<br />
	So, is not it the time to change for media too? <br />
	 </p>',
			'published' => true,
			'created' => '2012-01-21',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'It is hard to believe that the times have changed, so fast. Anywhere you may go, you are sure to find that things have really changed.',
			'sortorder' => '430',
			'image' => null,
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	(int) 11 => array(
		'Article' => array(
			'id' => '478',
			'article_category_id' => '48',
			'title' => 'Nepal In 10 Years (October 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div>
	<div style="text-align: justify;">
		<strong><img align="left" alt="nolaughingmatter" border="1" height="173" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(3).jpg" style="width: 143px; height: 173px;margin:10px;padding:10px;" vspace="5" width="143" />By Madan Lamsal</strong></div>
	<div style="text-align: justify;">
		<strong><br />
		</strong></div>
</div>
<div style="text-align: justify;">
	Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay. But I feel otherwise. In 10 years, Nepal will be at par to fully developed countries and livable like a heaven. At least the words and actions of Nepal's business community, government and the main political leaders clearly indicate to that.</div>
<div style="text-align: justify;">
	<br />
	In recent years, many of Nepali entrepreneurs have proved themselves very innovative in businesses by selling sweets to cereals and setting-up restaurants to bottling water plants. Nepal's private sector has shown a true entrepreneurial spirit.&nbsp;They know how to exploit the ignorance of common people by taking advantage of true free market of Nepal, regulated by none but only Lord Pashupatinath.</div>
<div style="text-align: justify;">
	<br />
	<br />
	The foreigners must be watching all these developments with very keen interest. Therefore, within 10 years Nepal will receive thousands of foreign direct investments (FDI). Because, foreign investors have already seen that there is almost zero FDI in this country except few Indian joint ventures companies struggling here to breathe. Therefore, it is a virgin land for them to invest. Foreigners may have also observed that Nepali workers have been working in foreign countries with paltry salary and they are so loyal there. If these very Nepalis are given jobs in their homeland they will definitely be happier and more loyal to the FDIs. Moreover, the new Finance Minister, who <img align="left" alt="nolaughingmatter" border="1" height="414" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/oct-no laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="350" />is said to be the man with action or man with a gun, has already said that year 2012 will be the ' Year for Investment '.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In 10 years Nepal plans to attract more than 20 million tourists a year. Because two years ago Prachanda, the then PM of the Maoist government had announced that Nepal will receive 2 million tourists in 10 years time. Again Maoist is in the power now. So we can definitely hope that they will force many tourists to visit Nepal. They will visit Nepal as well as they do to Vietnam or Russia to see the truly endangered disciples of Lenin and Che Guevara. Tourists will not visit Nepal only to see mountains or for trekking but to get hold of the rarest sights like the YCL camps at factories and to see their commandos' street gang-fights.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	In a decade, Nepal will produce at least 20,000 megawatt electricity not from the hydropower but from road garbage, wind and cow dung, etc. The impact will be such that Nepal will no more need to import petroleum. By then power consumption will increase so much that export of electricity will be obsolete issue. India, who has been waiting for Nepal's electricity for her industrial growth will be bewildered. The pipeline for petroleum that has been laid out from Lhasa to Khasa of China will be useless. Rather, Nepal will earn a lot of money from the carbon trading because of zero consumption of petroleum products.</div>
<div style="text-align: justify;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	Many foreigners from American to Europeans and from Japanese to Singaporeans will apply for working visa here as many of them want to work in the developed Nepal in 10 years time. So there will be a huge problem of illegal foreign workers. So the main task of almost all foreign diplomats' in Nepal will be to seek an appointment with Nepali leaders to rescue their citizens from different illegal indulgences.</div>',
			'published' => true,
			'created' => '2011-10-11',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'Where will Nepal be in 10 years? Many may imagine that in next ten years, Nepal will also become like Afghanistan or Somalia where no good people can stay...............',
			'sortorder' => '388',
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	),
	(int) 12 => array(
		'Article' => array(
			'id' => '437',
			'article_category_id' => '48',
			'title' => 'The Third-party Miracle (september 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="border-width: medium medium 1pt; border-style: none none solid; border-color: -moz-use-text-color -moz-use-text-color rgb(196, 21, 28); padding: 0in 0in 2pt;">
	<div style="text-align: justify;">
		<span style="font-size:12px;"><strong><img align="left" alt="lauging" border="2" height="167" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/img3(2).jpg" style="width: 137px; height: 167px;margin:10px;padding:10px;" vspace="10" width="137" />By Madan Lamsal</strong><br />
		<br />
		The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number of agents to net a small fry who would ultimately agree to buy their policy. But, these days, their business is so smoothly automated, money floods into the office by any minor economic activity a nouveau riche carries out. No sooner, one buys a private car, a taxi or a rental minibus, the premium amount in the name of the third party insurance automatically flows into insurance company account.<br />
		<br />
		There are other advantages of the third party insurance. This particular insurance has embedded self-defense mechanism. For example, more vehicles means more premium. Also, it means more traffic jams on the road. That means less speed, and less accidents. Lesser number of accidents naturally results in highly reduced claim on insurance. This is truly a full-proof proposition. All these have contributed to balloon-up the premium collection. And more profits, more leisure time for the insurance company executives. <br />
		<br />
		<img align="left" alt="nolaughingmatter" border="2" height="329" hspace="10" src="http://newbusinessage.com/ckfinder/userfiles/Images/laugh.jpg" style="margin:10px;padding:10px;" vspace="10" width="400" />This leisure has provided some value-time for the top insurance executives to be more creative to think about truly new product, as effective as the third party. In a meeting of a group of CEOs, the most imaginative one proposed that they must launch the third party insurance product for the aeroplanes and bicycles. The other one seconded, bicycles are perfectly ok but the aeroplane products must be thoroughly researched.<br />
		<br />
		<br />
		Objected the third, Only thing we must think about is not the product research but to identify the party that can force some sort of insurance. Look, how some of the foreign missions have been great help to us. They have made the travel and host country health insurance compulsory to issue a visa. Every traveler pays the premium for this but never comes back to claim anything.<br />
		<br />
		<br />
		The next volunteered, even if they did, the companies could easily shirk away saying that the coverage was just for minor illnesses like common cold or fever. Because no one asks what is covered in a haste to get visa, such insurance is always uncertain even to those Nepalis who is in who's-who list.<br />
		<br />
		<br />
		But many thought ˜the third party airplane insurance was indeed a marvellous idea. So, the group assigned to explore the possibility to two chosen energetic CEOs. For the purpose, they flew by a plane to a new destination together. Both of them had bought flight insurance. After landing at the airport the other end, one remarked, "What a wastage! The premium we paid for the flight insurance went in vain."</span><span style="font-size:12px;"><span style="line-height: 115%;"> Other one evaluated, but, you see, third party air insurance seems to be real good proposition as aeroplane is unlikely to hit and kill anything en route. Thus entire premium gets saved for the company.<br />
		<br />
		<br />
		<br />
		<br />
		</span> </span></div>
</div>',
			'published' => true,
			'created' => '2011-09-28',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'The Nepali insurance companies are now overwhelmed by the miracle of the third party. There were times when these companies used to hire umpteen number.....',
			'sortorder' => '350',
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	(int) 13 => array(
		'Article' => array(
			'id' => '415',
			'article_category_id' => '48',
			'title' => 'Nepal Can't Be Overpopulated (august 2011)',
			'sub_title' => '',
			'summary' => null,
			'content' => '<div style="margin-bottom: 0.0001pt; line-height: 120%; vertical-align: middle; text-align: justify;">
	<span style="font-size:12px;"><i><span style="line-height: 120%;"><img align="left" alt="madan" border="1" height="136" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(6).jpg" style="width: 112px; height: 136px;margin:10px;padding:10px;" vspace="5" width="112" />By Madan Lamsal</span></i></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><span style="color: rgb(134, 55, 59); letter-spacing: -0.05pt;">E</span><span style="letter-spacing: -0.05pt;">ver since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really overpopulated. People have started to ask the same question to several experts and not so experts, politicians and economists. And the answers that come about are very interesting.&nbsp;</span></span></div>
<div style="text-indent: 0in; text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Some samples of the answers: Nepali Congress leaders say: Nepal is not overpopulated. The reason as furnished by a leftist politician is that, for capitalists like the Nepali Congres ,the bigger the population, the higher the voter base. So the population is less until the Congress gets enough votes to form the government.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">If you ask a Hindu or a Muslim or a Christian fundamentalist, the answer is still no. Because, to religious leaders, the fear of being outnumbered by the other religion is persistent and they believe that Pashupatinath, Allah or Christ will come to feed any size of population.</span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">But, an&nbsp;immigration officer is most likely to say yes, Nepal is overpopulated ! This is because he must be getting tired of processing thousands travel documents of youth going abroad everyday. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">But the economists are unlikely to say either yes or no. They will only say: the moment a country has overpopulation, it will not be able to sustain any addition in the population. Some of them may even advise you to read Danish economist Ester Boserup who made strong case in support of population growth for the economic benefit of the country. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;"><img align="left" alt="madan" border="1" height="399" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/economy.jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Whatever the people of different background may say, It is futile to worry about the size of the population. Because, more people, more production, more money, more consumption, more profit to the companies and more revenue to the government and more donations to the political parties and opportunity for more extortions to the affiliates of political parties of different hues and colours. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.05pt;">Even with a population close to 30 million we have been able to feed ourselves. We don't need to worry about gainful employment here within the country, as overseas employment will be in abundance as long as Nepalis agree to work for the pay just enough to foot the travel bill and payback the loan gotten to fly abroad, after five years of work. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: -0.15pt;">This means your country's income grows only when your people go abroad and send in money from there. That was so simple to understand for our forefathers who started the system of Lahure, i.e. sending people abroad (Lahore at that time) for earning. The same is being done today. And this should be expanded. This requires our population to increase further so that more people will go abroad and Nepal will earn more. </span></span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><br />
	</span></div>
<div style="text-align: justify;">
	<span style="font-size:12px;"><span style="letter-spacing: 0.1pt;">Nepali economy is live and kicking just because of a growing population. Not only migrant workers, see it from every angle, the population growth is a must for economic growth. As more babies are born,&nbsp; the more diapers will be sold and there will be higher profits for such companies and a bigger pay rise to their&nbsp; employees.&nbsp;Therefore, clearly, the hue and cry of overpopulation in Nepal is an absolute anti-thesis to country's economic growth and people's well-being. </span></span></div>',
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			'created' => '2011-09-06',
			'modified' => '2012-09-16',
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			'description' => 'Ever since the Central Bureau of Statistics (CBS) started to make the findings of the national census public, people have started wondering whether Nepal is really........',
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		'Article' => array(
			'id' => '387',
			'article_category_id' => '48',
			'title' => 'Changing Face Of Crisis (july 2011)',
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			'content' => '<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 120%; vertical-align: middle;">
	<span style="color: rgb(178, 34, 34);"><i><span style="font-size: 8pt; line-height: 120%;"><img align="left" alt="madan" border="1" height="108" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img2(3).jpg" style="width: 90px; height: 108px;margin:10px;padding:10px;" vspace="5" width="90" />By Madan Lamsal<br />
	<br />
	<br />
	</span></i></span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 10.5pt;">T</span><span style="font-size: 9.5pt;">hese days, if you encounter any crestfallen wo/man with faded pulchritude and desperate to reach somewhere sooner, s/he could easily be a banker. With the collapse of BFIs in a row, even the CEO of healthiest of these institutions is sacred to the hilt. Simply because, before one could explain the robustness of his or her institutions, things are seen going out of hand of these expert managers.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">Except those under the government raincoat, almost all BFIs are feeling the pinch of acid-rain, some term it liquidity- and others lucre-dity-driven crisis. And every crisis is a god-sent lottery to some, and so called older and large banks are now enjoying the unprecedented deposit flow when their smaller and younger fellows gasp for life.</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;">The lifestyle, personality and approach of the CEOs of many of these BFIs have completely changed. They have ceased to wear tie. Harrods tweed has been replaced by Bangkok boutique. Razor sharp creases of the dress have disappeared and, instead of driving individual cars, many senior executives of an institution are seen stacked in single vehicle. They are not doing it for their security by feigning move-incognito, but all of them are putting these sincere efforts to support the Nepal Rastra Bank Governor's objectives to bring down the national inflation to a single digit. In cocktails, they hardly speak. Even if they do, they just mew. Their eyes are anxious not to bump with any guy from Baluwatar, by chance. Who knows, a prestigious banker today may be arrested by the police on the criminal charges of elbowing a central banker in a cocktail party?</span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<span style="font-size: 9.5pt;"><img align="right" alt="laughing" border="1" height="248" hspace="5" src="http://newbusinessage.com/ckfinder/userfiles/Images/img(5).jpg" style="margin:10px;padding:10px;" vspace="5" width="350" />Early in the morning, these CEOs dread to read the newspapers. They feel the unusual urge to pee while reading the news about the rampage and killings by wild elephants in the districts like Jhapa. They hallucinate that snores and roars of the Jhapali animals is also coming out of the Baluwatar woods, perhaps without knowing the Jhapa influence in the present day Nepali financial sector. Some CEOs are also scared that, regardless of the financial credentials of their institution, they would be chased by one powerful Jhapali to apparently to install another Jhapali in the CEOs position, in addition to a couple of peripheral advisors to add the operational cost of the purportedly crumbling institution. </span></div>
<div style="margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.15pt; line-height: 11pt; vertical-align: middle;">
	<br />
	<br />
	 </div>
<div style="text-align: justify;">
	<span style="font-size: 9.5pt; line-height: 115%;">But there are more than one solutions to these woes of poor CEOs. First, they must confess that they didn’t know any previous governor or deputy governor of the central bank to vindicate an unflinching loyalty to the present central bank leadership. Second, even if they knew some, they continuously profess that all former Rastra Bank officials including the governor were unprofessional, unqualified and dirty people; and responsible for present mess in the financial system. Also remember to communicate your allegiance to the party that made history by launching the Jhapa andolan. And, don’t commit foolish mistake of visiting new bungalow of the governor worth crores as that may prove something else to his principled credentials as a true proletariat. These tips will surely help you if not your institution.<br />
	<br />
	<br />
	<br />
	</span></div>',
			'published' => true,
			'created' => '2011-08-22',
			'modified' => '2012-09-16',
			'keywords' => '',
			'description' => 'These days, if you encounter any crestfallen wo/man with faded pulchritude and desperate to reach somewhere sooner, s/he could easily be a banker. With the collapse of BFIs in a.....',
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