Secular Citizen Vol.25 No.49 dated 5th December 2016 by Lawrence Coelho

Pope on economy of religious institutes: fidelity to charism and discernment

Inter-religious programme HUM SAB EK HAI

The Vikhroli unit of The Bombay Catholic Sabha organized its 10th annual inter reglious program "HUM SAB EK HAI " on 24th November 2016 at St. Joseph Church hall. The priests and representatives of various religions gathered on one stage for this program. The program started with a prayer dance by women and their children from Vikhroli who belonged to different faiths which was choreographed by Jessy D'souza. Religious priest included Buddhist priest – Bhikku Mehta Nanda, Muslim priest – Imam Mohammed Mehdi Hasan Razvi, Jain representative – Mr. Dinesh Pokharna, Hindu priest – Bhatji Ashok Joshi, Parsi priest - Dastoor Aspee Ratanshah Daderewala, Catholic priest - Fr. Hubert Goveas, Parish Priest of St. Francis Xavier, Parksite, Sikh priest - Babaji Heera Singh and Bramha Kumari Sister Asha. It was later followed by traditional lighting

of the lamp by all the representatives, including Asst. Commissioner of Police Mr. J. D. More and felicitation of all the dignitaries by The Bombay Catholic Sabha, Vikhroli. The various religious leaders, representatives and guests addressed the crowd one by one. Each one prayed in their own manner to the almighty for unity and peace to remain for ever in the world. The speakers also conveyed that India is a home of all religions and one needs to have respect for each other. They also stressed on the fact that all religions teach brotherhood and harmony. The program ended with two minutes silence in memory of 26/11 heroes who lost their lives and singing the national anthem. —Anup Noronha

Thanksgiving

Thanks to St. Anthony, Sacred Heart of Jesus & St. Jude for the special favour granted hearing my prayer

Sis Thelma Fernandes, Andheri

Vatican City :– Faced with the difficulties related to the aging of the members and the complexity of the social situation, members of religious institutes must implement "discernment" and analyze how their works "manifest or not the charisma ... professed". It must also be remembered that in their economic decisions an institution "needs money and does not serve money", subjecting all choices to an ethical criteria. This is a quick summary of the message that Pope Francis has sent to participants in the international economic symposium, organized by the Congregation for Institutes of Consecrated Life and Societies of Apostolic Life on the theme "Rethinking the economy in fidelity to the charism." The symposium, attended by about 1,000 bursars and treasurers, is taking place at the Antonianum, November 25 to 27. The advanced age of the members and the lack of vocations often require institutions to review the map of their presence and their structures, which have become too big or impossible to sustain. As a result, various institutions tend to reduce and bring together communities, sell houses and works, withdrawing from their mission in society because they are unable to respond as they once were. The Pope, in his message primarily puts emphasis on the fact that the charism of an institute must always be a living reality and one that is called to bear fruit ". Through an "openness to reality and listening to God who speaks to us in it", we must discover new areas of commitment: (Contd.. on p. 6)

5 December 2016

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Contents pg. 3 - Demonetisation - will it work? pg. 5 - Voice of the People pg. 7 - Kovenbach: A heart for refugees! pg. 8 - Western Express ... pg. 10 - Demonetisation: 7 questions Modi must answer ... pg. 12 - A Travesty of justice pg. 14 - Couple gets married after 65 yes split pg 15 - Divorce is not the ... pg. 16 - The work of a newspaper journalist pg. 17 - News in Brief pg. 18 - Traditional vs payment ... pg 19 - Inspiration! pg 20 - Matrimonials

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DEMONETISATION - Will It Work? by Don Aguiar India is in the middle of an extraordinary economic experiment. On 8 November, Prime Minister Narendra Modi gave only four hours' notice that virtually all the cash in the world’s seventh-largest economy in the world be effectively worthless. The Indian government likes to use the technical term "demonetisation" to describe the move, which makes it sound rather dull. It isn't. This is the economic equivalent of "shock and awe". Do not believe reports that this is primarily about bribery or terror financing, the real target is tax evasion and the policy is very daring indeed. You can see the effects outside every bank in the country. Queues of people clutching wads of currency notes stretch halfway down the street. Mr Modi's "shock and awe" declaration meant that 1,000 and 500 rupee notes would no longer be valid. These may be the largest denomination Indian notes but they are not high value by international standards - 1,000 rupees is only £12. But together the two notes represent 86% of the currency in circulation. Think of that, at a stroke 86% of the cash in India now cannot be used. What is more, India is overwhelmingly a cash economy, with 90% of all transactions taking place that way. And that is the target of Mr Modi's dramatic move. Because so much business is done in cash, very few people pay tax on the money they earn.

One year (anywhere in India) Rs. 250 Three years (anywhere in India) Rs. 700 Five years (anywhere in India) Rs. 1000

According to figures published by the government earlier this year in 2013 only 1% of the population paid any income tax at all. As a result huge numbers of Indians have stashes of tax-free cash hidden away - known here as "black money".

One year (outside India) Rs. 2500

Even the very poorest Indians have some cash savings - maybe just a few thousand rupees stored away for a daughter's wedding, the kids' school fees or - heaven forbid - an illness in the family. But lots of Indians have much more than that. It is not unusual for half the value of a property transaction to be paid in cash with buyers turning up with suitcases full of 1,000 rupee notes.

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sent anywhere in the world (by email) One year Rs. 600 or US $ 15 Two years Rs. 1000 or US $ 25

Cover : A Travesty of justice:

The size of this shadow economy is reckoned to be as much as 20% of India's entire GDP. Mr Modi's demonetisation is designed to drive black money out of the shadows.

(Article on p. 12) (Contd.. on p. 4)

5 December 2016

(Contd.. from p. 3) At the moment you can exchange up to 4,500 (£48) of the old rupees in cash for new 500 (£6) and 2,000 (£24) rupee notes. There is no limit to the amount that can be deposited in bank accounts until the end of December, but the government has warned that the tax authorities will be investigating any deposits above 250,000 rupees (£2,962). Breach that limit and you will be asked to prove that you have paid tax. If you cannot, you will be charged the full amount owed, plus a fine of 200% of the tax owed. For many people that could amount to be pretty much the full value of their hidden cash. This is brave politics. Some of the hardest hit will be the small business people and traders who are Mr Modi's core constituency. They voted for him because they believed he was the best bet to grow the economy and improve their lot. They will not be happy if he destroys their savings. Mr Modi says he is simply delivering on his pre-election promise to tackle corruption and tax evasion. He says he warned that he would squeeze black money out of the system and had already offered amnesties to those who declare their black money holdings. And, so far at least, the policy seems to be popular, in spite of the long queues and the fact that much day-to-day business in India has ground to a juddering halt. Most Indians resent the fact that many of the richest among them have used black money to evade paying their fair share of tax and are happy to suffer a few weeks of what Mr Modi called "temporary hardships" to see them face justice. They also recognize the benefits of drawing more people into the income tax net. India has very low rates of tax compared to many other countries. The tax-to-GDP ratio - how much tax is raised as a proportion of the output of the economy - was 17% in 2013. The average across the economies of the Organization for Economic Co-operation and Development - a club of mostly rich nations - was over 34%. Demonetisation is part of a wider project to draw Indians into the formal economy and to get them to start paying the tax they owe. Curbing tax evasion is part of the agenda for the "aadhaar" scheme, (a giant digital database designed to give hundreds of millions of Indians a unique ID) and of the new

Goods and Services tax.

lateral damage" is likely to outstrip its benefits.

And reducing tax evasion can only be good for India. The more money it raises in tax, the more it has to spend on useful stuff like roads, hospitals and schools. The more the country spends on public goods like that, the faster the Indian economy is likely to grow - or so the argument goes.

The overnight ban on the notes last week was intended to crack down on corruption and so-called "black money" or illegal cash holdings. But it sparked scenes of chaos outside banks and ATMs.

So the big question is: will it work? Some economists have questioned the decision to introduce the 2,000 rupee note. They say if the policy is designed to force people into the banking system why issue a higher denomination note - presumably an even more convenient vehicle for black money transactions? But the headlines about chaos and confusion are a bit misleading. There have been virtually no reports of violence despite the huge disruption this policy has caused. The new 500 and 2,000 rupee notes are in short supply and banks regularly run out of them. The queues are orderly and the worst you hear are the irritated mutterings of those whose days have been wasted standing in line. But Mr Modi needs to be careful. The new notes are in short supply and there are not enough smaller denomination notes to go around, so the banks regularly run out of cash. That cannot go on for long without irritation turning to anger. But some queuing may be excusable, because in one regard the policy has already been a complete success: it came as a surprise to the entire country. Think what that means. The government managed to plan this audacious policy, printing billions of new notes without anyone letting slip what was happening. Reportedly, even senior members of the cabinet were not told what was being planned, for fear that if word got out the entire policy would be undermined. The hoarders would have time to empty their mattresses and launder their stashes into gold or other assets. Keeping a secret of this magnitude in India, a country that thrives on rumor and gossip, is nothing short of a triumph and surely a reasonable justification for a few hiccups along the way. Mr Modi’s dramatic move to scrap 500 ($7.60) and 1,000 rupee notes is poor economics, a leading economist says. The "col-

Low-income Indians, traders and ordinary savers who rely on the cash economy have been badly hit with hordes thronging banks to deposit expired money and withdraw lower denominations. As the anger mounted, the government raised limits on cash withdrawals on Sunday. The rich will not suffer as corruptly acquired fortunes have almost all been converted to shares, gold and real estate. But the poor who make up the bulk of the nation’s 1.3 billion people will lose out. For them getting to a bank and queuing for hours will cost money and time they don’t have. In less than a week the policy has claimed more than a dozen lives. The government says that it will take weeks to sort out the problems. But some economists say the move will have a limited impact as people will simply begin to accumulate black money in the new currency as soon as that becomes available. The government hopes this will bring cash worth billions of dollars in unaccounted wealth back into the economy. The two notes accounted for more than four-fifths of the currency in circulation. Prof Basu, who now teaches at New York's Cornell University, says India's Goods and Services tax, was "good economics, but demonetisation is not". "Its economics is complex and the collateral damage is likely to far outstrip the benefits,”. What Prof Basu, who was chief economic adviser to the previous Congress government, means is that this "demonetisation" just witnessed in India is at best, a one-time flushing out of the system and the return of black money is likely if not inevitable. Many economists say the costs of such a one-time "flush" will be huge. They say hundreds of thousands of ordinary people (including farmers who do not even have bank accounts) who hold cash but not black money will get caught out and the fear of harassment by officials could trap them in a bureaucratic net they don't know how to deal with. So it is possible that all this achieves is a (Contd.. on p. 6)

5 December 2016

Opinion on Demonetisation

Abortion and Forgiveness The decision by Pope Francis to empower priests to forgive the grave sin of abortion is a welcome relief for Catholic women who undergo double trauma after a successful abortion, of the guilt of killing the foetus and the fear of having to confess their sin to a bishop. The matter however does not end there, because, according to Canon 1398, a person who procures a successful abortion also incurs automatic excommunication . This not only includes Catholic doctors and nurses, but all those who have encouraged the woman to make it possible for her to undergo abortion. Absolution for both the sins is therefore necessary. While absolution for the sin of abortion can now be given by a priest , there is no mention whether this also includes the lifting of the automatic excommunication. However, those women who are unaware of this law , and those below the age of 16 years and women forced into abortion by an abusive husband are exempted under canon 1323 from incurring automatic excommunication. —A.

F. Nazareth Alto porvorim

Demonetising hits the common man more than the rich According to the latest data on global wealth released by Credit Suisse (2016), the richest 1% Indians own nearly 60% of the nation's wealth. Even worse, the report states that the bottom half of the population (50% or 650 million people) own just about 2%

5 December 2016

of the nation's wealth! While nobody is against demonetisation of high value currency notes, it appears the the govt has got hold of the wrong end of the stick. Looking at the long queues at banks it seems that only the poorest half of the population have black money! > Instead of putting the common man to such great inconvenience and loss of livelihood, the govt should have targeted the 1% who own most of the nations wealth. In this 1% are several corrupt persons who have invested their ill-gotten gains in benami land and houses, 5-hotels, gold etc. The balance black money is used to fund political parties with cash donations. These unaccounted cash donations are made to ensure that they are protected. These donations also corrupt the political system giving us corrupt leaders. It is reported that the PM is likely to address these issues . But he should have done this first, instead of inconveniencing the poor. —Prof Robert Castellino

Demolition of Crosses Christians in Mumbai are protesting against the demolition of crosses by the BMC that were built by their great grandfathers and are of more than 100 years old. They say that the destruction is done at night, with no notice, and without any court orders or other documentation. They further say that the present governing party is just harassing them and wants to wipe out Christianity permanently from the country.

BBC BBC is of the opinion that PM Modi’s scheme to curb corruption is not well planned. Criticising the move, they have pointed out that the initiative is “mired in confusion” and that the effect of the money supply is unclear. It is also uncertain if it will take out a considerable amount of cash in circulation. They have also expressed concern about the impact of this strike on corruption in rural India. Expressing concern over another black market that could arise, they stated, “Will they still use the old notes or will ‘a black market in black notes’ emerge?” The Kuwait Times The dilemma of expatriates was expressed in The Kuwait Times. They mention in an article that the effect of the demonetisation “has caught many Indian expatriates unawares in Kuwait as money changes refuse to accept the currency.” Kuwait is home to around 80,00,000 expatriates, and as per prevalent practices, the non-resident Indians (NRIs) stash away Rs 25,000 which is a legal entitlement to meet their immediate requirements when they travel in and out of the country. Several people are left with some hefty sums of money which they find impossible to exchange before the deadline given by the government. Forbes Calling it a “clever plan”, *Bloomberg* “What seemed at first to be a masterstroke by Prime Minister Narendra Modi now looks like a grave miscalculation… What’s changed in a week? Well, for one, it’s become clear that the government was simply too cavalier in its planning. Now that 86 percent of India’s currency is no longer valid, the central bank has struggled to print replacement denominations — and the new notes are the wrong size for existing ATMs. Modi’s asked people to be patient for 50 days, but the process could take as long as four months,” Bloomberg said.

—Jubel D’Cruz, Dombivili

(Contd.. from p. 43) sudden curtailment in the total money supply, effectively a kind of contraction of the economy. Economists have long talked about "helicopter drop" of currency - printing large sums of money and distributing it to the public in order to stimulate the economy. India's decision to scrap high denomination notes is simply the reverse and according to economist Prabhat Patnaik the government's move "betrays a lack of understanding of capitalism". "Typically, what happens in capitalism in a situation like this is that there would be a new business opening up about how to change old currency notes into new ones... A whole range of people would come up who will say you give us 1000 rupees and we will give you 800 rupees or 700 rupees or whatever. Consequently, instead of curbing black business it will actually give rise to the proliferation of black business," But not all experts agree that it is such a risky move. India now operates under a monetary policy regime known as inflation targeting. If a portion of the stock of currency in circulation, consisting of currency and demand deposits gets 'burned', metaphorically or literally, the Reserve Bank of India, the central bank, can in principle fully offset this through what economists call 'open market operations',. These involve purchasing bonds from the markets and injecting money (and therefore liquidity) into the markets in return. This is standard operating procedure for central banks. To put it more simply: suppose a warehouse of cash owned by someone goes up in flames and the money stock drops. The central bank, economists say, can augment the money stock. The loser is the individual whose money went up in flames - in other words, by analogy, someone holding illicit unaccounted cash that cannot be converted into new currency or deposited. There will be short run adjustment costs as the old notes are replaced by new ones, but see no medium to long term impacts on growth, inflation or other pertinent macroeconomic variables. The gains will be a one-time tax on black money and a possible disincentive for future black money accumulation, in the event that there is a prospect for future demonetisations.

A currency note is a promise note that must be kept whatever the circumstances. Because this trust has been broken in India queues have formed outside banks and ATM’s with banks closing midway through the business day saying they have run out of cash… Pro establishment die-hards would snigger and argue that the two high value notes have been withdrawn to check black money …. it had to be done in total secrecy they say to thwart nefarious attempts by hoarders to dump currency. Mr Modi’s scheme has more in common with the failed experiments of dictatorship which led to runaway inflation, currency collapse and mass protests. While Mr Modi campaigned to end corruption it would have been better if the government had updated

(Contd.. from p. 2) "We have to ask - he says - if we are willing to 'get our hands dirty' in the history of today; if our eyes can discern the signs of the kingdom of God in the folds of events that are certainly complex and conflicting, but that God wants to bless and save; if we are really traveling companions of the men and women of our time, especially of so many wounded that lie along our streets, so that we share their expectations, fears, hopes and also what we have received, and that belongs to all". Another fact to remember is that the charism is related to the word "charis", gift, grace, "charis without a society can not function well and ends up divesting itself of its humanity... The consecrated are called to become prophecy through our lives animated by charis , the logic of gift, gratuity; we are called to create brotherhood, communion, solidarity with the poor and needy". In a review of the economy of the community "the main criterion of evaluation of the works is not their profitability, but if they correspond to the charism and mission of the institute is called to accomplish." This means that sometimes "discernment can suggest to keep an activity that makes losses running - being careful that the loss is not generated by inability or incompetence - but restores dignity to individuals, victims of the waste culture, the weak and fragile:

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the unborn , the poor, the seriously ill elderly, people with disabilities ". Other times, an activity can be managed with other institutions or with the local Church, "so that this continues, albeit in other ways, as the Church's work." Discernment also means going "against the tide" religious "uses money and is not used by money for any reason, even the most just and holy". "How many consecrated persons – he continued - still continue to think that the laws of economics are independent of any ethical consideration? How often is the evaluation on the transformation of an activity or the sale of a property seen only on the basis of an analysis of cost-benefit and market value? ". The pontiff then suggested an "education for responsible austerity." To do this it is important to start "from small everyday choices. Everyone is called upon to do their part, to use the goods to make choices in solidarity, to care for creation, to confront the poverty of families who live next door. This means acquiring a habitus, a style in the name of justice and sharing”. "The hypocrisy of consecrated persons who live like the rich - he said - hurts the consciences of the faithful and damages the Church." Source: AsiaNews

5 December 2016

Kolvenbach: A Heart For Refugees!

r. Peter Hans Kolvenbach, the 29th Superior General of the Society of Jesus (1983-2008) died in Beirut Lebanon on November 26th 2016. He would have completed 88 years on November 30th. May he rest in peace! Fr. Kolvenbach inherited the mantle of the leadership of the Jesuits from the visionary and charismatic Fr. Pedro Arrupe.Fr. Arrupe suffered a severe stroke in August 1981, from which he never recovered. Pope John Paul II appointed two other Jesuits to govern the Society for more than two years, till the 33rd General Congregation, which elected Fr Kolvenbach as Superior General in September 1983. It was certainly a tall order for anyone, to step into the shoes of Arrupe, who had ensured that the Society of Je-

Prayer to St. Expedite for solving a financial crisis

I call forth the Power and the presence of St. Expedite in my time of financial trouble. I offer my body, heart, mind and soul upon your altar of light. I have faith and trust and complete confidence that you will be my strength in this time of need. Quickly come to my assistance. (State Your Petition)______________ My financial need is urgent. Be my Light and Guide in this situation so that I may live with peace, love, prosperity and abundance and in the Praise of God. Amen. (Promise Publication) —J.D'Lima

5 December 2016

sus was attune to the workings and direction of the Spirit in keeping with Vatican II; besides, those were turbulent years for the Society. Kolvenbach however, in his own discreet, humble but definite style continued with the rich legacy he inherited from Arrupe. On 14th November 1980, Arrupe founded the Jesuit Refugee Service (JRS). Arrupe was convinced that the Jesuits had to respond to the cries of the ‘boat people”, who were fleeing war and persecution. For almost twenty-five years as Superior General, Kolvenbach, made sure that in keeping with Arrupe’s vision the Jesuits never lost sight of their commitment to the refugees and other forcibly displaced. On 14th February 1990, in a pathbreaking and in-depth letter to the Universal Society entitled, ‘Review of the Jesuit Refugee Service’, Kolvenbach confirmed Arrupe’s vision of JRS "both as an expression of our concern for the poor and as a significant step towards our renewal, personal and corporate, in availability, mobility and universality” In that letter Kolvenbach also highlighted the specificity of JRS saying that, “The Jesuit Refugee Service is a modest venture, but it does claim to bring a specific dimension to its work which is sometimes lacking elsewhere. While always ready to help refugees in their material and spiritual wants, and also in designing projects leading to a fuller and more independent life, we try to place special emphasis on being with and doing with, rather than doing for. We want our presence among refugees to be one of sharing with them, of accompaniment, of walking together along the same path. In so far as possible, we want to feel what they have felt, suffer as they have, share the same hopes and aspirations, see the world through their eyes. We ourselves would like to become one with the refugees and displaced people so that, all together, we can begin the search for a new life.”

by fr. cedric Prakash sj It is true that Arrupe founded the JRS; it his vision and charism which has guided JRS for thirty-six years now. It was Kolvenbach however, who for almost twenty-five years, provided the organization with the necessary directions, the framework and the spirituality to respond to the growing number of refugees the world over. Both GC 33(1983) and GC34(1995) provided him and the Society with the mandate to respond to the urgent concerns of the refugees. Kolvenbach put his heart into this commitment of the Society. A little before he resigned as General, Kolvenbach gave an interview to the well-known Jesuit magazine ‘AMERICA’ (very significantly dtd. 26th November 2007). One of the questions asked was Could you speak about the current missions of the Society? He was very candid in his response, “because the Jesuits are present worldwide, we have a “natural mission” to take care of people on the move: refugees, asylum seekers, undocumented people and migrants. This mission involves our presence in camps and in advocacy for more humane state regulations. The Jesuit Refugee Service has to operate often in a protean world, in which the people on the move are not only poor, but foreign and displaced. This service would not be possible without a large partnership with nonJesuits, especially laypeople. It was the American experience that inspired us to develop this Jesuit-lay partnership. We are not serving the church well if we remain exclusively Jesuits “for others.” The Spirit speaking to us in the Vatican Council enabled us to rediscover the church as a communion within which we are called to be men “for others with others.” In all our works, educational as well as scientif(Contd.. on p. 9)

Western Express Highway Ban on entry of heavy vehicles during peak hours fic considerably. by Godfrey Pimenta

e wish to inform you that due to the construction of the Metro 7 Corridor on Western Express Highway starting from Andheri to Dahisar and particularly due to the barricading of entire stretch of the Western Express Highway it has severely affected the traffic movement on and in normal traffic conditions, it takes at least 3 hrs. to travel from Bandra to Dahisar via Western Express Highway. Even though the MMRDA has appealed to citizens to cooperate with them to complete this mega project in time, yet the authorities have to initiate certain emergency measures as major traffic snarls have become order of the day and the motorists are facing bumper to bumper traffic beginning from Kalanagar at Bandra (East) up to Thakur Village Kandivali. Sometimes the said traffic even extends right up to Dahisar Check Naka. This harrowing travel is taking toll on drivers patience. Traffic congestion is one major pain that most people suffer everyday in a large metro like Mumbai. We say that commuting on Western Express Highway takes a heavy toll on body, both mentally as well as physically on the commuters. IF THE STATE GOVERNMENT DOES NOT TAKE IMMEDIATE ACTION IN THIS MATTER WE WILL MAKE THIS AS AN ELECTION ISSUE. We therefore immediately suggest the following urgent remedial measures: 1.

Banning of entry of heavy / good vehicles during peak hours i.e. from 8 to 11 am and from 5 to 10 pm during the city limits. If various metros like Delhi, Kolkata, Chennai, Hyderabad, etc. can restrict

the entry of heavy / good vehicles during peak hours, then why Mumbai is an exception. This will increase the efficiency of the road as well as curb the air pollution. 2.

The heavy / good vehicles should strictly be restricted to ply only on left hand side of the road. The said vehicles should also banned from using any of the fly overs in the city since speed of these vehicles is an issue and serpentine queues are formed due to slow movement of these vehicles on fly overs.

Dedicated lane for two and three wheelers should be provided.

Zero tolerance for illegal parking throughout Mumbai, particularly the major roads.

The Traffic Police needs to become strict and start levying fines on rule breakers who jump lanes, signals and even jaywalkers.

Bus stands are often built close to signals which need to be moved at least 150 metres away from traffic signals. Pavements are meant for people walking along the streets but often are encroached by free extension to the shop or a marketplace for hawkers, thereby forcing people have to walk on the roads, risking themselves and slowing down traf-

All new licenses and RTO clearances for new autos and taxis should be stopped immediately so that their numbers do not increase anymore.

Stop registration of new private cars in the city with immediate effect on the lines of Singapore till such time sufficient infrastructure not provided which includes parking facilities. Each four wheeler owner should produce ownership details of the parking facility owned by him and only then vehicle should be allowed to be sold to such person.

10. Make senior officers of Mumbai Police accountable for illegal parking at least on the major roads of Mumbai. 11. Illegal garages flourishing on municipal roads should be stopped forthwith. 12. Near Dahisar Check Naka, the illegal parking of vehicles in middle of the road should be stopped forthwith. The aforesaid genuine demands of Mumbaikars if not met within reasonable time, we will start campaign to highlight the aforesaid issues to common man. Hope the State Government / Mumbai Traffic Police will be alive to our reasonable expectations. For Watchdog Foundation Nicholas Almeida/Godfrey Pimenta Trustees

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(Contd.. from p. 7)

less.’

ic, missionary and pastoral, social and in the mass media, we have learned to share our spiritual and apostolic inheritance: to listen and to learn from others. This feature of our Jesuit vocation has been strongly developed. I hope and pray that, inspired by the experience of St. Ignatius in the Spiritual Exercises, we can continue this mission, which leads Jesuits, other religious and laypeople to a personal encounter with the Lord, the origin of our vocation and of our mission in the world.”

During the years Kolvenbach was Superior General, the number of refugees the world over would have touched 50 million. At that time, the Middle East had its share of refugees mainly from Palestine and Iraq. The crisis in Syria began only in 2011, when Kolvenbach had already begun living a fairly ‘hidden life’ in the Jesuit community of St Joseph’s in Beirut. But he kept abreast of what was happening; always very concerned about the plight of the refuges and the IDPs. This is borne by the fact that he would often ask the writer, “how is your work with the refugees?”

It was very touching that the day he resigned on January 14th 2008, Fr. Kolvenbach also paid tribute to JRS and its collaborators, refugees, lay people, religious and Jesuits, saying, “it has been a blessing and a consolation to witness the positive development of this important mission of the universal Society of Jesus. It is a joy to see how JRS is committed to the mission of consoling so many refugees and forcibly displaced people, the poorest of the poor, around the world, especially in camps. JRS provides many different services, such as advocacy, but that it was essential that it also continued to connect with refugees in camps where JRS's presence can bring them hope”. “JRS plants a seed of hope in the aridness of refugee camps where people's future is so often in jeopardy. This is particularly the case for young refugees in despair who are unable to gain access to education. Day after day, year after year, they see how their lives become more and more hope-

Fr. Peter Hans Kolvenbach was a humble, civil, soft-spoken Jesuit; but he was a giant of a human being. He will always be remembered for many significant contributions but one thing for sure: that he had a heart for refugees!

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Divided ‘Aakrosh Diwas’ The Bharat bandh called by several opposition parties across the country on Nov 28, witnessed large turnouts in Kolkatta, Bengalaru and Mumbai. In Delhi too, opposition MPs staged a protest march in front of the Gandhi statue , even as they disrupted both house of parliament. Unfortunately the ‘Aakrosh Diwas’ was not a ‘mahaghatbandhan’ of opposition parties as they were divided on several issues on demonetization, which was to the advantage of the govt. However, the common demand of all opposition parties was that the prime minister should attend parliament and answer all questions in both houses. It is not known what prevents Mr Modi from being present in Parliament, although it is his privilege and prerogative to do so. It is also no use trying to play-down the national crisis , chaos and hardship caused to the public due to overnight demonetization and poor planning. Nevertheless, it is hoped that Mr Modi will face the facts and address these contentious issues soon, the outcome of which is not difficult to foresee , as it has always been ‘advantage Modi’ in the past. —A.

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5 December 2016

Prop. B. D'Souza

Demonetisation: 7 questions Modi must answer right now 86% currency in circulation got banned after one announcement and it has been 20 days since then, now people deserve answers to these questions. We are almost at the end of the third week since demonetisation of Rs. 500 and Rs. 1000 and it is time we demand some serious answers to a couple of critical issues that Modi government is yet to address. When PM Narendra Modi announced the demonetisation of Rs. 500 and Rs. 1000 currency notes, the reason behind this sudden move was to recover black money, stop counterfeit currency, and also to put a temporary halt on terrorism. The country welcomed the move and appreciated PM Modi's brave move until the country was hit by cash crunch as 86% of the currency notes became invalid overnight. Now, after three weeks here are the critical 7 questions that the government must address and answer 1. Will demonetisation eradicate black money from Indian economy? As per government-commissioned National Institute of Public Finance and Policy (NIPFP) estimate, black money is mostly in sectors of higher education, real estate, and mining. Apart from this, Gold and benami transactions are the other sectors where illicit wealth or black money is hidden. According to a report in the Indian Express, top experts have estimated that only 1/20th of black money in India is available on liquid cash. In this scenario, how much damage demonetisation can cause to black money hoarders is questionable. 2. Will digital transaction replace the cash transactions? The demonetisation is also seen as a medium to encourage digital transactions, but most of the debit card users use their cards to withdraw cash rather than make pay-

ment. One of the reasons, going digital is not an option as many commercial establishments do not have cash payment facility and e-wallet mostly do not have security features enough to make users comfortable to use them. Use of digital transactions or rather a limitation in using digital transactions will lead to fall in demand as people will only buy things that they feel essential. This will impact the economy in adversely in longer run since India's small industries where card payment is not an option significantly contributes to the country's GDP. In fact, the impact of demonetisation on GDP of India has also been predicted by former PM and noted economist Manmohan Singh, economist, independent organisations and agencies. 3. What preparations were done by the government and RBI before launching this massive currency change move? No Parliament debate or public announcement has cleared the air around this issue as to what preparations the government did to facilitate this move? The Finance Minister, Arun Jaitley mentioned that six months were used to plan the operations of this change meticulously. 4. Then, why we are still facing cash crunch? To replace the banned notes government introduced the new Rs. 500 and Rs. 2000 denominated notes but the problem that hit the country hard is that there is not enough of the new notes to replace the old ones instantly. PM Modi has urged the nation to

give him 50 days time, and the opposition parties have strongly criticised the government for this sudden move that has led to economic crisis in the nation. Modi has called this cash crunch situation 'minor inconvenience' and some are seeing this as a temporary crisis that will eventually straighten out. 5. the high-value Rs. 1000 rupee notes have been banned and to replace that Rs. 2000 notes have been introduced, how will this help to stop the black money hoarders? The exposed loopholes are already being used to replace the black money with new currencies. 6. Will government demonetise these new currencies too? The new currency that has been introduced in the market seem to have some printing errors that can not overlook, for that matter, RBI has accepted the printing errors in the new Rs. 500 rupee notes. So, will the government again demonetise the new currency in future? 7. Why are rules and measures changing so frequently? Since the demonetisation, the government has been working and reworking on the same set of rules and measures which show that government was ill-prepared and these rules and measures are not working the way they were expected to work. Be it the old currency exchange rules, mediums of exchange, or limitation on withdrawal, everything is highly unpredictable and even government seems unsure of which rule might work and which will not. Demonetisation is a move that has impacted everyone from farmers to bankers to rural living without easy bank accessibility to urban card swiping population, and it has to be managed properly to make it a success. At present, PM Modi is justifying this move on the basis of public support but testing the patience of people by imposing an ill-prepared plan is a bad idea in a democracy.

5 December 2016

Memorial Day for those who lost their lives at Vikhroli Railway crossing

he Bombay Catholic Sabha, Vikhroli Unit had organized prayer service (Memorial Day) on 21st Nov 2016 at CST end of Vikhroli Station east side with candle light march and prayer service in honor of the victims who have lost their lives due to lack of foot over bridge at the spot which had led to accidental deaths of several commuters for last 50 years at the level crossing. It was the fifth anniversary of rail roko and more than 200 people had gathered to show their solidarity. We also remembered 26/11 heroes who gave life for saving the country from terrorist. The Bombay Catholic Sabha, 4. Ramp to climb the bridge Vikhroli Unit thanks all the dignitaries and special thanks to 5. Washroom on CST end social activists Jayant Dandekar and Prashant Das. 6. Road over bridge. We also expressed 7. 60 feet road which has been sanctioned 50 years our below demands ago which have been pending since a long The Secular Citizen time The Examiner 1. Escalator at Colour B/W Vikhroli Bridge DIVO Konkani Weekly Favours granted minimum Rs. 800 Rs. 400 (East side) i.e. 15 words + 1 block(1 photo of saint) RAKNNO 2. Ticket counter at each additional block Rs. 400 Rs. 200 and other community Vikhroli East on Holy Spirit Prayer Rs. 1000 Rs. 600 the ground level publications Other small prayers (upto 100 words) Rs. 1000 Rs. 600 3. Removal of garbage dumping Contact: Tel.: 22693578, 22654924 near the middle Contact : The Secular Citizen, footover bridge 99, Perin Nariman Street, Fort, Mumbai - 400001

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A Travesty Of Justice Kaka Baptista [1864-1930] Freedom Warrior

he Government of Maharashtra had compiled a list of 26 national heroes/freedom fighters whose birth or death anniversaries the state decided to observe in 2016 by the garlanding of their statues. With a view to the future, let us consider the endeavours of Joseph Baptista (1864-1930) for a probable addition to any such list. Affectionately called Kaka Baptista, he was Bal Gangadhar Tilak’s big catch who soon become the Lokmanya’s right-hand man. A civil engineer in his twenties, serving in the Forest Department of the Government of Bombay, young Joseph began to have second thoughts about his true role towards his mother land. During one of his verbal clashes with the British Deputy Conservator of Forests who played host to his shikari friends indulging in big game shooting and drunken orgies, Beptista, a young man of integrity and character, resigned his job quitting the Indian Forest service. By this time Baptista was already influenced by the political renaissance sweeping Maharashtra and decided to prepare himself for the challenge. He proceeded to St. John’s College, Cambridge university, where he took his tripos in Politics and Law and was called to the Bar at Grays inn in 1899. Baptista’s public life virtually started during his student days when in 1897 on the internment of Tilak for sedition, he moved in the Cambridge Union that “the policy of the Government is unwarranted and unwise”. Among the opponents of the proposition was Lord Lytton, later

Governor of Bengal and among the audience in the crowded House was Edwin Montague, lather Secretary of State for India. During the debate, the

by Dr. Louis D'Silva British bureaucracy in India came in for scathing criticism Baptista admonishing that “an unrepresentative and irresponsible system is intolerable in this enlightened century. To prosecute publicist for sedition under the auto-

cratic system is to turn the pen into a pen-knife”. The proposition which was carried received extensive publicity in the London dailies and the AngloIndian press in India. Tilak was struck by Baptista's views and courage. During his visit to England the Lokmanya called on him to thank him for the proposition he had moved, Besides, Baptista also addressed several public meetings in England advocating Indian Independence. At one meeting, an arrogant Englishman shouted crudely from the crowd: “Shut up, black man”. Baptista with lightening unit shouted back: “It is better to be a black man then a blackguard !” Baptista suggested to the Lokmanya the formation of the Home Rule league on the model of the Irish Home Rule League. By now, a lasting friendship and answering loyalty had developed between the two freedom warriors. In 1908, Baptista earned a niche in legal history when he appeared as Defence Counsel for tilak in the famous sedition case in which a sentence of six years imprisonment was imposed by Justice Davar. It was during this case

that Baptista was sounded about a seat on the high court Bench which he peremptorily spurned. It is noteworthy that Baptista also gave his legal services gratis to the defence of the Hindutva icon Veer D. Savarkar. Let us mention two specific contributions made by Baptista to the freedom Movement. Firstly in 1914, when the Nationalist decided to revitalise the congress by reviving the Bombay Provincial Conference, the mental of the Presidentship, fell on Baptista. Inaugurating the Conference in Pune on May 8 1915 Baptista suggested the establishment of the Home Rule League. It bore good fruit as Dr. Annie Besant a theosophist and Gandhian, supported it with characteristic enthusiasm and energy. A year later, in April 1916 the Indian Home Rule League was started at Belgaum with Baptists as President. Tilak was manifestly pleased commenting: “The Lord is with us. Home Rule will now spread like wild fire”. The prophecy came true for within six months the Home Rules captures the Congress at Lucknow in 1916, Secondly Baptista's other contribution in the political field was the enunciation of the philosophy of Responsive Cooperation. While Tilak and his entourage were on the train enroute to Amritsar for the Congress Session in 1919 they learnt of the Montagu Constitutional Reforms Proclamation of the British Government. Tilak drafted a telegram to the secretary of state and showed it to Baptista who reacted unfavorably. “Then draft one yourself retorted Tilak. Baptista did so and showed it to Tilak who discussed it for half an hour with N.C Kelkar and him. After examining it analytically and the connotation it conveyed, Tilak said that he was charmed with the expression. “Responsive cooperation’ it is divine revelation” explained Tilak, The Responsive Cooperation Party was started with Kelkar as President and Baptista as Vice - President.

5 December 2016

Empire”. This is why Tilak accepted Baptista’s suggestion to lobby with the British Labour Party to support the cause of the Home Rule League. Home Rulers decided to send a deputation of the League to London and Tilak sent Baptista in advance to make preliminary arrangements. Ever since he became a member of the Fabian Society, Baptista developed valuable contacts with the Labour Party, including some big-wigs like George Lansbury. Baptista’s efforts were crowned with success. At its annual Party Conference in Nottingham in 1917, a Resolution was passed making Home Rule for India a plank of the LaTrevor D’Silva and Joan Saint-Prix with the portrait of bour Party’s policy”. their great granduncle This was Baptista’s magnum opus as the pledge was renewed annually by egate to the International Labour the Labour Party and fulfilled by the Organisation Conference in Geneva Clement Atlee Ministry thirty years in 1924 where he made a profound later by the grant of Independence impression on the delegates from Europe, For several years his residence to India in 1947! was the office of several trade unions. Baptista's contribution to the civil life Undoubtedly Kaka Baptista’s of Bombay was equally inspiring. It contribution to India’s freedom was through his efforts that the Mustruggle for more than two denicipal Franchise was extended to tenants the real rate-payers. He was cades before Mahatma Gandhi the Chairman of the Standing Com- assumed leadership of the freemittee of the BMC for six years and in dom movement, would make him 1925-26 was the Mayor of Bombay. a revered figure in the pantheon Baptista holds the record of being the of freedom fighters and staunch only Indian Christian to be elected to the Bombay legislative Council and nationalists. As not a single MusControl Legislative Assembly from lim was included in the list of General Constituencies during the national heroes a delegation of British era. Muslim leaders gave a memoranFurther more Baptista rendered magnificent service to the Trade Union Movement and champions the cause of Indian Labour. He organised the first Postal Workers Strike in 1917 and in 1921 founded the All India Trade Union Congress (AITUC) together writh Lala Lajpat Rai. He was selected as the Indian Labour del-

BAPTISTA’S MAGNUM OPUS Britain's Conservative party true to its name believed in holding on to India the Jewel in the crown, for as long as possible. This is reflected in the words of an arch conservative Prime Minister Winston Churchill, who said: “I will not be a Prime Minister who Presides over the liquidation of Her Majesty’s

5 December 2016

dum to the State Minority Commission Chairman and reportedly raised the issue with the Governor and the Chief Minister, As not a single Christian figured in the list I appeal to the leadership of the Bombay Catholic Sabha to make a representation to at least one of these authori-

Joseph Baptista , lovingly called "Kaka Baptista" was the first mayor of Bombay(1925-26). Baptista was born in Mumbai in 1864, graduated in Pune and studied Politics and Law in London. As an Advocate in the High Court , he defended Veer Sarvarkar and demanded an open trial on the basis of fundamental rights. He was one of the founders of the All India Trade Union Congress (AITUC) in 1920, a labour leader, as well as the one who started the Home Rule League in Belgaum in 1916. He was also a close associate of Lokmanya Tilak, and in fact was the one who coined the statment "Swaraj is my Birthright", mad infamouse by Tilak. He also assisted Tilak in starting the Sarvajanik Ganpati. Joseph Baptista Gardens also known As The Mazagon Gardens, is just walking distance from the Dockyard road station.

ties, This would help to ensure that hallowed memories of minority icons are not erased from the people’s consciousness and heroic endeavours for the emancipation of our motherland are not forgotten by the nation, In Kaka Baptista’s case, it would rectify a travesty of justice! 13

Couple gets married after 65yrs split

t was the early 1950s and Davy Moakes and Helen Andre were two British art students madly in love. But that love and a planned marriage - would be denied; Helen’s parents forbidding the union because they feared Davy would become an artist and would not be able to support their daughter. That was then. Now, Davy, 86 and Helen, 82, have finally said,

‘I do’, marrying after being reunited through family and social media. In a small and private registry office ceremony in Derbyshire, surrounded by Helen’s three children and a few close friends, the couple exchanged the vows which would have been spoken much sooner. “(It was) very unfair,” Davy said. “But there was nothing we could do about it, unless we were to

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Prayer to St. Expedite for solving a financial crisis

run away, so we drifted apart.” Helen said she had never really stopped loving Davy. “ Really, they wanted to decide who I married - not me,” she said. The couple wanted to marry in 1951 but Helen’s parents frowned on the planned union. Since those days, Helen had been widowed three times and Davy had lost two spouses. But now, they couldn’t be happier. “I have loved Davy my whole life. But now I’ve got him,” Helen said. “Even after all this time, it still feels the same. It’s just perfect.”

Subscriptions for

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Renewal as well as New, can be sent through Bank Fund Transfer to any one of the following banks: Bank: HDFC Bank Branch : CST - Mumbai VT Account Name: The Secular Citizen Account No. 03552000006744 ISFC code: HDFC0000355 or Bank: Citizen Credit Co-op Bank Ltd., Branch : Colaba, Mumbai Account Name: The Secular Citizen Account No. 2090031000000489 ISFC code: CCBL0209003 Please inform us through email: secular@ vsnl.com or through phone: 22693578 after transferring the same.

5 December 2016

Divorce Is Not The Catholic Way Are you seriously contemplating a divorce? Are you positively under emotional, mental and physical pain? So, you definitely feel this is necessary – a separation? There is a limit to everything you have told yourself. Your decision is final you reason. No one can change your mind, the thought of freedom sounds comforting. How did your romance begin and lead up to the altar? Was it X-SpamSubject: YES truly love, or was it sex and the excitement of daring to defy. Was it a kind of loyal, caring and sharing friendship which made you both decide on tying the knot? Honestly, it might have been pity which drove you to seal your fate? Did you really feel the need to give up your life and heal the wound your better-half-to-be carried? Nothing could be more wrong if you had nailed the coffin of your life for the security and stability of another. How, indeed, did it all begin? On second thought I don’t suppose it matters now – the deed is done, sealed and sworn by the promise to stay together “For better, for worse, for richer, for poorer, in sickness and in health, till death us do part.” We could have added, ‘even under stress, pressure, mental and physical torture.’ But, I guess it’s all there.

tion, always affects the family and the consequences which follow point to a sad marital union. There is the larger question of immorality of divorce. All this is not possible to cover here, only to plant the seed.

God’s law is broken when the divorced is remarried civilly. This tragic union does not permit them to receive Eucharistic communion as long as the two remain together. However, By Melvyn Brown as baptized persons the Divorce is not the Catholic whole community and the way. Marriage means taking on reChurch has to assist them to keep the sponsibility and making serious comfaith and the spirit of penance – they mitment. Love has to be nurtured and are allowed to attend Holy Mass and guided by a gut feeling and a mature the other Church events. decision. This is one instance in your “The Church maintains that a new life when you need to relax, stop, think union cannot be recognized as valid, and determine the right course of action. As the old saying goes, once you if the first marriage was.” (CCC 650). make your bed lie on it. Let us pause “ They should be encouraged to lis- for emphasis; divorce is never meant ten to the Word of God, to attend the to heal a wound. The hurt always Sacrifice of the Mass, to persevere in takes time to mend, and that happens prayer, to contribute to works of char- with an ounce of trust and courage toity, to community efforts for justice, to wards your better-half. bring up their children in the Christian faith, to cultivate the spirit and practice of penance and thus implore, day by day, God’s grace”(CCC1651-159)

Len Deighton, English novelist, once said: “ Divorce is a system whereby two people make a mistake and one of them goes on paying for it.”

Church annulment, conjugal separa-

Thanksgiving

Did you know that Christ had forbid divorce? (Mat.19:9). St. Paul in his First letter to the Corinthians wrote, “ To the married I give this command – that the wife should not separate from her husband – and that the husband should not divorce his wife. (1 Cor. 7:12). “For I hate divorce, says the Lord, the God of Israel… (Mal. 2:16). What are you supposed to do, crucify yourself on the cross of wedlock? You’re not cut out to be a martyr, are you? Never! You scream. You love God, but for God’s sake you cannot shoulder pain, the sudden fits of rage, insult, and forever complaining, as if innocence was taken for stupidity. If you really love GOD – TRUST IN HIM.

5 December 2016

Thanks to Holy Spirit, Sacred Heart of Jesus, Mother Mary and St. Jude for favours granted. —Maria Miranda, Bangalore 15

The work of a newspaper journalist Newspaper journalists, also known as reporters, investigate and write up stories for local, regional and national newspapers. To become a newspaper journalist you will need an enquiring mind. You should enjoy researching and investigating things. You'll also need to be determined and persistent, to make sure you get the story. You can get into newspaper journalism by training at college or university or by joining a local or regional newspaper and training on the job. For both types of entry, it will help you if you have relevant experience, either through volunteering, paid work or articles you've written in your spare time. Newspaper journalists cover any event of interest to their specific audience, ranging from reporting on council meetings and school fetes for a local newspaper, to general elections and world events for the national press. As a newspaper journalist, your work would typically include investigating a story as soon as it breaks out following up potential leads, developing new contacts, interviewing people, both face-to-face and over the phone, attending press conferences, record-

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ing meetings and interviews, using recording equipment or writing in shorthand, coming up with ideas for new stories and features and writing up articles in a style that will appeal to the intended audience. You could choose to specialise in a specific subject such as sport, politics or entertainment. Because most newspapers have an online edition, you may also write stories for their website. Newspaper journalists sometimes work as sub-editors, preparing reporters’ writing ('copy') for printing. You will need to be flexible about your working hours. Following up stories, responding to breaking news and meeting deadlines can mean working long, irregular hours, including evenings, weekends and public holidays.

tic and noisy most of the time. You will also spend time out of the office, chasing up stories. You can expect to travel to any area covered by the newspaper. If you work for the national or international press this could mean travelling anywhere in the world, sometimes at short notice. You can become a newspaper journalist by training at a college or university (known as pre-entry) or by joining a local or regional newspaper and training on the job (known as direct entry). To build up your experience, you can volunteer for student and community newspapers, submit articles to websites or keep an online journal or blog. It is a good idea to keep clippings and printouts of your published work to show them to potential employers.

You will usually be based in an openplan office, which is likely to be hec-

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People were able to exchange their now useless notes at banks but the government has put a cap on daily and weekly withdrawals, seriously affecting people's cash flow.

Asian bishops gather for meet on family, mercy COLOMBO: Catholic bishops from across Asia have arrived in the Sri Lankan capital to seek ways to make family the basis of domestic church and center of their mission of mercy in the region. More than 140 delegates from Asia, mostly bishops and priests representing various ministries, including Oriental Churches, are attending the eleventh Plenary Assembly of the Federation of Asian Bishops’ Conferences (FABC) November 28-December 4 at Negombo, a coastal city of Catholic stronghold, near Colombo. The Asian bishops are coming to a South Asian country 38 years after they met in Kolkata (then Calcutta) for the second plenary in 1978. The first assembly was in 1974 at Taipei, Taiwan and last one was in December 2012 at Xuan Loc Pastoral Centre, Dong Nai Province, northeast of Ho Chi Minh City, Vietnam. Cardinal Oswald Gracias (Santosh Digal) Cardinal Oswald Gracias (Santosh Digal) The plenary in Colombo has chosen as the theme, “The Asian Catholic Family: Domestic Church of the Poor on a Mission of Mercy.” The assembly is expected to draw clear roadmaps for the family apostolate in the Asian Church with appropriate recommendations, says Father Raymond Ambroise, executive secretary of FABC Office of Social Communication. The plenary takes place ten days after the Universal Church ended the Year of Mercy.

5 December 2016

The Colombo meet will start with a solemn Mass led by papal envoy Cardinal Telesphore Placidus Toppo, on November 29.

Former 24-year Superior General of the Jesuits, passes away

Beirut: Father Peter Hans Kolvenbach, who led the worldwide Jesuit order for a quarter century from 1983 to 2008, and who broke with tradition by voluntarily resigning what had once been a lifetime job, died on Sunday in Beirut four days shy of his 88th birthday.

Champakulam church declared basilica

Alappuzha: Archbishop of Changanassery archdiocese, Mar Joseph Perumthottam on Sunday declared Champakulam St Mary’s Syro-Malabar Catholic Forane Church as basilica.

Church coffers low as Indian cash crunch continues

Sunday collection is down to a mere 3,000 rupees (US$44), a drop of about 40 percent, at St. Francis Assisi Church in Kakkanad, on the outskirts of Kerala's commercial capital, Kochi. Father Jose Thottakkara said the parish of 450 families will struggle to cope with with the drop in funds. "The lack of small denomination notes was the major reason for the drop in the collection," said Johnny Thekkakara, a trustee of St. Sebastian Church in Changanacherry Archdiocese. People do not want to part with smaller currency when larger notes are scarce, he added. Parishes in Goa, another Catholic stronghold are facing double trouble as state tax collectors have become suspicious after some priests started exchanging money to help their parishioners. "For you and me this may be a Good Samaritan act but officials may raise queries," Father Valeriano Vaz, procurator of Goa Archdiocese, told ucanews.com

New Delhi: India's decision to withdraw high value banknotes on Nov. 8 caused a cash crunch which has adversely affected Sunday collections, according to some churches.

"A small time hotelier came to us and requested change to pay his staff. We obliged him. We help those in need in whatever way possible," said Father Cipriano D'Silva, parish priest of St. Alex Church, Calangute.

Several churches in Ernakulum and Kottayam districts in southern Kerala, a Christian stronghold, showed a dip of up to 40 percent in Sunday collections after the government's surprise announcement.

He also said Sunday collections have dropped by almost 50 percent. "On average, we get 70,000 rupees on Sunday but after the withdrawal we collected only 48,000," he said.

Cash dried up in India after the government withdrew 1,000 and 500 rupee notes in an apparent move to starve the black market and criminals with large stashes of cash.

Collections have dropped in Bhopal in central India too. Seva Sadan Parish in the city used to collect some 1,500 rupees but that has been reduced by a third, said Father Thomas Panackal.

Traditional vs Payment Bank Payments banks are expected to revolutionise financial services the way e-commerce has transformed the retail industry, through service and price differentiation and more importantly, deconstruction of established paradigms

espite having the status of a bank, their services are somewhat limited than that of traditional banks. Let us see what facilities these banks offer and don’t offer. Accounts With these banks, customers can only open current and savings accounts. There is no restriction on the income level to open an account and no need to maintain a certain level of

Subscriptions for Renewal as well as New, can be sent through Bank Fund Transfer to any one of the following banks: Bank: HDFC Bank Branch : CST - Mumbai VT Account Name: The Secular Citizen Account No. 03552000006744 ISFC code: HDFC0000355 or Bank: Citizen Credit Co-op Bank Ltd., Branch : Colaba, Mumbai Account Name: The Secular Citizen Account No. 2090031000000489 ISFC code: CCBL0209003 Please inform us through email: secular@vsnl.com or through phone: 22693578 after transferring the

balance. Besides having regular accounts in a traditional bank, one can open an additional account in a payments bank. Small scale business can maintain salary accounts in these banks and avoid cash payments to their employees. Loan and credit cards These banks are not allowed to give loans or to issue credit cards. For such facilities, people still have to seek service of a traditional bank or of other financial institutions. ATM facilities Payment banks are allowed to issue ATM debit cards. These cards can also be used to withdraw money from other traditional banks’ ATM. For international travelers, there is Forex card, having the same functionality of a debit card. Bill payment Payments banks offer online utility bills payment option like any other traditional bank. But the process is more convenient. Net banking and mobile banking Payments banks include online banking and mobile banking facilities. Using these, a customer can carry cashless and chequeless transactions. However, these banks can’t be online-only banks. Money remittance Payments banks also offer money remittance services. Money can be transferred from a payments bank account to other accounts using NEFT,

IMPS and RTGS mechanisms. Compared to traditional banks, the cost of transfer if much less. Issue of financial products Payments banks can distribute only risk-free simple financial products like insurance and mutual fund units. Additional services Forex service is also available at these banks. In addition, they perform as a bank correspondent of other banks. Payments banks in India There are eleven payments banks in India which include: Paytm, Vodafone M-Pesa, Airtel M Commerce Services, Aditya Birla Nuvo, Reliance Industries, Cholamandalam Distribution Services, National Securities Depository, Sun Pharmaceuticals and Tech Mahindra.

Key differences

• Payments banks cater to the banking needs of low-income households, small business, the unorganised sectors of the economy and migrant labor force, not covered by the traditional banking system. • The start-up capital required for opening a payments bank is much lower than that of a full service bank. However, they must fulfill some other criteria like percentage of rural branches minimum reserve requirements and promoter’s holding to get the full license of a payments bank.

5 December 2016

Inspiration!

Harness Your Willpower Willpower is the capacity to do what we instinctively want to achieve. Will-power is the force which enables us to overcome lethargy, temptation and weakness

ome people seem to have tremendous willpower, others think that willpower is not within them. However, there is no reason why anyone cannot achieve greater willpower. These are some tips for developing willpower Don’t delay things: Procrastination is a powerful way to weaken our will-power. When we have the enthusiasm and determination to achieve something, we should act on our initiative and inner motivation. If we hesitate, we allow doubt to creep in; if we wait for more favourable outer circumstances to achieve something we will never succeed. Will-power doesn’t depend on favourable outer circumstances. When we have an inspiration to aim for something we should follow through with our inspiration and cultivate our will power. The best time to act is now. Never give up: Will-power doesn’t mean we have to achieve our targets at their first attempt. Will-power is closely linked to perseverance. Will-power is the willingness and enthusiasm to remain unaffected by setbacks and difficulties. If we can persevere, even amidst set backs, we will strengthen and grow our will power. Adversity is a powerful motivation for encouraging stronger will-power. An easy life will do little to grow our will power; but, a readiness to face life’s challenges is the beginning of creating real will-power. Be clear on what you want to

5 December 2016

achieve: If we are confused and uncertain about we what we actually want, it will be impossible to harness the power of our indomitable will-power. If we have a very clear focus and target it becomes easier to focus our energies on achieving our targets. If we are very clear what we want, it becomes instinctive to focus our energies and capacities on achieving it. For example, if you are trying to break a bad habit make sure you are 100% committed to changing; if part of you still subconsciously harkens after the bad habit, your focus will be split and you will not be able to generate the necessary will-power.

weaken our willpower requires a more intuitive attitude and willingness to follow the voice of conscience. Don’t be a fatalist: The biggest block to cultivating willpower is a negative attitude. When we expect things to go wrong, we will always be weakening our will-power. To avoid a negative mindset, is probably the biggest help to cultivating will-power. Our thoughts have a powerful influence over our will so make sure they are positive ones. Will-power is something that everyone can cultivate and make stronger. Of course, it is important we use our will-power for the right reasons. If we use will-power just for the accumulation of wealth and power our life will still remain unfulfilled. However, if we want to work on our self-improvement and self -development it is essential that we develop will-power. It is not enough to have vague resolutions to be a better person; we also need the inner will to make the changes a reality.

Willpower comes from within: Willpower is not just about a mental attitude using the power of the mind. Real willpower comes from the source within; if we can still the mind, we can access our source of tremendous will. Often, when we think excessively we

6594. MUMBAI : Mangalorean Roman Catholic Bachelor, (Born in May 1984), Ht. 5’ 7”, Wt. 69 kgs, Fair Complexion, Edn. C.A., MBA (Finance) working as an Asst. General Manager. Contact email : neem444888@gmail. com OR 9892775385 6449. MUMBAI : Mangalorean Roman Catholic Bachelor, (Born in November 1985), Ht. 5’ 8”, Wt. 72 kgs, Wheatish Complexion, Edn. B.E. (Elect. & Telecom), working as a Networking Engineer in Kuwait. Contact email : alwayswelcome107@ gmail.com OR 9819269721 6573. SAUDI : Goan / Mangalorean Roman Catholic Bachelor, (Born in February 1986), Ht. 5’ 5”, Wt. 68 kgs, Fair Complexion, Edn. B.E. Mechanical, working as a project engineer seeks a well qulified girl from a good family background. Contact email : ian.roshan.dsouza@gmail.com OR 02632/249676 OR 08511867648 6572. MUMBAI : Mangalorean Roman Catholic Bachelor, (Born in October 1986), Ht. 5’ 9”, Wt. 75 kgs, Wheatish Complexion, Edn. BE (EXTC), working as a Network Engineer. Contact email : ivorbritto@gmail.com OR 9820055655 6571. USA : Goan Roman Catholic Divorcee (Marriage Annuled), (Born in December 1969), Ht. 6’ 1”, Wheatish Complexion, Edn. M. Eng., Engineer by profession. Seeks a girl below 35 years, preferably working in USA. Contact email : divinegrams@ gmail.com OR 626-289-3996. 6540. MUMBAI : Mangalorean Roman Catholic Bachelor, (Born in July 1980), Ht. 160 cms, Wt. 59 kgs, Wheatish Complex ion, Edn. MBA Finance, working as a Asst. Manager in Bank. Contact email : h.austin.saldanha@gmail. com OR 9833280399 6539. MUMBAI : Mangalorean Roman Catholic Bachelor, (Born in February1982), Ht. 5’ 8”, Wt. 65 kgs, Fair Complexion, Edn. B.Sc., MBA., working for Bank in Dubai. Seeks a

Mangalorean educated, homely girl. Ready to settled in Dubai. Contact email : roshandsouza5in@gmail.com OR 971556271902 / 9920371470 6534. MANGALORE : Mangalorean Roman Catholic Bachelor, (Born in March 1980), Ht. 5’ 8”, Wt. 69 kgs, Handsome, Fair Complexion, Edn. B.A., Having own business and accommodation. Contact email : proposal564@gmail.com OR 9535051204 6533. MUMBAI : Goan Roman Catholic Bachelor, (Born in April 1983), Ht. 5’ 8”, Wt. 69 kgs, Fair Complexion, Edn. B.Com., Wheatish Complexion, Working with Disney Cruise line, Well settled. Contact email : joseph_almeida15@yahoo.in OR 98925 81515 / 98338 31515 6531. POONA : Tamilian Roman Catholic Bachelor, (Born in May 1975), Ht. 6’, Fair Complexion, Handsome, Edn. M.Com., Having well established business. Contact email : tony137@ rediffmail.com OR 9552148871 6526. DOHA QATAR : Mangalorean Roman Catholic Divorcee, (Born in September 1982), Ht. 5’ 10”, Wt. 75 kgs, Wheatish Complexion, Edn. MBA, PGDM, having decent job. Contact email : secondsairik2016@gmail.com OR Phone: 0097466710060 6510. MUMBAI : Mangalorean Roman Catholic Divorcee, (Born in February 1981), Ht. 5’ 10”, Wt. 80 kgs, Fair Complex ion, Edn. Masters in Computer, working as a Sr. Tech. Anyl in Bank. Contact email : melwyngdsouza@gmail.com OR 9004748881. 6507. MUMBAI : Mangalorean Roman Catholic Bachelor (Deaf and dumb) (Born in September 1989), Ht. 5’ 9”, Wt. 62 kgs, Fair Complexion, Edn. HSC., Dip. in Computer Hardware. Working as a Cashier. Contact email : clifford9948@

Members are requested to inform us when they are settled, so that publication of their details can be discontinued.

gmail.com OR 9920331773 / 02228731976. 6503 MUMBAI : Mangalorean Roman Catholic Bachelor,(Born in September 1984), Ht. 5’ 9“, Wt. 75 kgs, Fair Complexion, Edn. MBA., Working as a Branch Manager. Contact email : yopepjo2005@gmail.com OR 9820793042 6494 MUMBAI : Goan Roman Catholic Bachelor, (Born in May 1960), Ht. 6’, Wt. 65 kgs, Wheatish Complexion, Edn. SSC., working as a Security Guard. Contact Mob : 8451069841 6493 MUMBAI : Mangalorean Roman Catholic Divorcee, (Born in April 1982), Ht. 5’ 8”, Wt. 162 lbs, Brownish Complexion, Edn. M.Sc., Computer Science, working as a Software Engineer in USA., Contact email : mumbaiopen@gmail.com OR 7738581130 6491 MUMBAI : Goan Roman Catholic bachelor, (Born in July 1986), Ht. 5’ 7”, Wt. 68 kgs, Wheatish Complexion, Edn. B.Com., working as a Manager. Contact email : kelwinbritto007@ gmail.com OR 9619011728 6490 MUMBAI : Goan Roman Catholic Widower, (Born in June 1960), Ht. 5’ 7”, Wt. 77 kgs, Fair Complexion, Edn. High School, Government employee in Bahrain. Contact email : alwyn60rodrigues@gmail.com OR 9733830968

Address your replies to :

Regd. No. Royal Christian Family, 99, Perin Nariman Street, 1st Floor, Fort, Mumbai - 400 001.

To Place Your Matrimonial Advertisement Call: 2269 3578 or 2265 4924 5 December 2016

6620. MUMBAI : East Indian Roman Catholic Spinster, (Born in August 1987), Ht. 5’ 5”, Wt. 60 kgs, Wheatish Complexion, Edn. Post Graduate, working for Foreign Bank.Contact email : beann_lam@rediffmail.com OR 9930055783 6604. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in 29-11-1981), Ht. 5’ 5”, Wt. 70 kgs, Wheatish Complexion, Edn. S.Y. B.Com., wokring in Dubai. Contact Mob.: 9820733952 6609. MUMBAI : Goan RC Spinster (Born in October 1988) / 5 feet / 58 kgs, B.E. and MBA, working for reputed IT MNC as Sr. Analyst seeks alliance from professionally qualified RC Bachelors upto 33 years, well settled with sober habits and good family background. Pl reply with details and recent full size photo to ashil2628@ gmail.com / 9819950120 6563. MUMBAI : Mangalorean Roman Catholi Spinster, (Born in August 1990), Ht. 5’ 5”, Wt. 60 kgs, Fair Complexion, Edn. MBA Marketing, working as an Analyist, Contact email : noreen13nov@gmail.com OR 9004572793. 6560. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in December 1986), Ht. 5’ 3”, Wt. 79 kgs, Fair Complexion, Edn. B.Com., MBA in HR, working in a Reputed MNC in Mumbai. Contact email : jfran1302@gmail.com OR 9820127313 6557. BANGALORE : Mangalorean Roman Catholic Spinster, (Born in August 1989), Ht. 5’ 1”, Fair Complexion, Edn. B.E. , M.S. in California, working in California, Seeks a Post graduate working in U.S. below 31 years. Contact email : jwanita@gmail.com OR helen_monis@rediffmail.com OR 9448324182 6554. MUMBAI : Goan Roman Catho-

Royal Christian Family Helps In Choosing The Right Life-Partner

Serving Since 35 Years 5 December 2016

lic Spinster, (Born in May 1987), Ht. 5’ 4”, Wt. 75 kgs, Wheatish Complexion, Edn. MBA (HR), Contact email : joaquimropose82@gmail.com OR 9869940730 6550. PUNE : Mangalorean Roman Catholic Spinster, (Born in November 1989), Ht. 5’ 5”, Wt. 85 kgs, Wheatish Complexion, Edn. MBA in Human Resources, working as a HR. Contact email : mdsouza22@hotmail.com OR 09850056631 6548. MUMBAI : Tamilian Roman Catholic Spinster,(Born in December 1986), Ht. 5’ 5”, Wt. 66 kgs, Wheatish Complexion, Edn. PGDBM NMIMS, working as a Manager. Contact email : prabha.nadar@hotmail.com OR 9819818741 6545. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in October 1989), Ht. 5’ 8”, Wt. 65 kgs, Fair Complexion, Edn. MBA Finance, working as a Financial analysist. Contact email : elveera.26@gmail.com OR 9004982464 6543. MUMBAI : Maharashtrian Protestant Spinster, (Born in August 1977, looks much younger to her age, Ht. 5’, Wt. 50 kgs, Fair Complexion, Edn. T.Y. B.Com., working as an Account Assistant. Contact email : sonali_waghchoure@yahoo.com OR 9819673935 6542. Australia : Mangalorean Roman Catholic Spinster, (Born in September 1988), Ht. 159 cms, Wt. 57 kgs, Fair, good looking, Edn. Masters in Biotechnology from University of Queensland, Australia, working as Scientist (Research) in Australia, Seeks qualified and godfearing boy settled in Australia, US and Canada. Contact email : patsynazareth123@gmail.com OR 9225652875. 6538. MUMBAI : God fearing Mangalorean RC Spinster, (Born in January 1980), 5’ 6”, from good family working for a MNC seeks groom. Reply with recent photo to innlo@hotmail.com 6536. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in April 1991), Ht. 168cms, Wt. 64 kgs, Beautiful, Fair

Complexion, Edn. Master in Dental, studing PG in Doctorate, Dactor by profession. Contact email : kcmcsm@ gmail.com OR 9821087883 6530. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in November 1989), Ht. 5’ 3”, Wt. 60 kgs, Fair Complexion, Edn. M.A. in clinical councelling from USA, working as a clinical counsellor in well know Hospital. Contact email : i_dsa@yahoo. com 6528. DUBAI : Mangalorean Roman Catholic Spinster, (Born in April 1984) Ht. 5’ 7”, Beautiful and Fair Complexion, Edn. Masters in Health, Care (MHA), Employed as a Manager in MNC Dubai, is looking for a suitable alliance between the ages of 32 to 36 with a height 5’ 10” and above. Kindly respond directly to the party by email : aara8185@gmail.com with your photograph. 6525. rajasthan : Goan Roman Catholic Spinster, (Born in September 1988), Ht. 5’ 7”, Wheatish Complexion, Edn. B.Com., working for Railways as a Confidential Assistant to Sr. DCM. Contact email : casrdcm@gmail.com OR 09829980087 6502. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in May 1983), Ht. 5’ 4”, Wt. 63 kgs, Wheatish Complexion, Edn. M.Sc. Nursing, working as a ICU Nurse in Abudhabi - UAE. Seeks a well educated Mangalorean Bachelor with good family values. email: janydz_1484@yahoo. com OR 9930076741 / 28918871. Address your replies to :

Regd. No. Royal Christian Family, 99, Perin Nariman Street, 1st Floor, Fort, Mumbai - 400 001.

Please renew your membership at lease a month in advance before its expiration date.

Wanted Groom

MUMBAI : Goan Roman Catholic Spinster (Born July 1976) 5’ 3”, Wt. 58 kgs, Fair, Smart, Edn. B.Com., CAIIB, DMS, working as Manager in American Bank. Seek a well qualified RC Bachelor with Photograph. Email : funlov81@yahoo.com 6473. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in June 1982), Ht. 5’ 5”, Wt. 68 kgs, Fair Complexion, Edn. B.Com., working in Bank as AVP in London. Visting Mumbai December to January 15th. Contact email : rati27@gmail.com OR 9869476537 6505. MUMBAI: Mumbai based Mangalorean Roman Catholic parents invite alliance for their Beautiful daughter, (Born in May 1988), fair, smart, M.B.A., working as an Executive. Boy should be well educated, God fearing having good family background. Please contact with photograph & all details to Tel.: 7506319407 Email: richard.dsouza17@gmail.com 6604. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in November 1981), Ht. 5’ 5”, Wt. 70 kgs, Wheatish Complexion, Edn. S.Y. B.Com., working. Contact Mob.: 9820733952 6461. MUMBAI : Parents of R.C. Mangalorean Spinster, (Born in May 1988) 5’ 1”, Only daughter, very fair, B.Com., seeks professionally qualified, well settled bachelors of good character and family background, preferably working and living abroad. Contact email : pashana72@gmail. com OR 91- 6759 7766 6457. AURANGABAD: Parents invite alliance for their Roman Catholic spinster daughter ( Born in January 1984) , Ht. 5’ 2”, B.E. (I.T.), slim, fair & good-looking from well settled &

educated bcahelor. Contact email : timothy.anthony@ymail.com OR 9823891561 6456. MUMBAI : Goan Roman Catholic Spinster, (Born in February 1985), Ht. 5’ 4’, Wt. 68 kgs, Wheastish Complexion, Edn. M.A., B.Ed., Teacher by profession. Contact email : valerie. fds@gmail.com OR 9819714445 6453. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in November 1992)s, Ht. 5’ 5”, Wt. 45 kgs, Fair Complexion, Edn. T.Y. B.Com., currently pursing Travel & Tourism Course from Thomas Cook. Contact email : daisy.diana92@yahoo.com OR 9768964704 6452. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in May 1989), Ht. 5’ 4”, Wt. 50 kgs, Wheatish Complexion, Edn. B.Com.,PG in Banking, working in a Private Bank. Contact email : paispascal@gmail.com OR 9892921564 6451. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in February 1988), Ht. 5’ 4”, Wt. 54 kgs, Wheatish Complexion, Edn. B.A., working as a Financial Analyst in MNC. Seeks a suitable match. Contact email : serraoolinda@gmail.com / natasha_serrao19@yahoo.com OR 9619522154 / 9969114346 6448. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in October 1985), Ht. 5’ 4”, Wt. 65 kgs, Wheatish Complexion, beautiful, Edn. B.Com., working as an Asst. HR Officer. Contact email : genesalis@yahoo. com OR 9324515797 6447. MUMBAI : Goan Roman Catholic Spinster, (Born in December 1991), Ht. 5’ 4”, Wt. 55 kgs, Fair Complexion, Edn. B.M.S.,working in Visa Department. Seeks a suitable match. Contact Email : josephinevf@gmail. com OR Mob : 9930466725 6350. MUMBAI : RC Mangalorean Spinster, (Born in December 1987) /5’2”, Wt. 54 kgs, wheatish, B.Com., C.S., L.L.B., working as a teaching

faculty for Law. invite alliance from well qualified and well settled bachelor with good family values upto 30 years Kindly reply with details and full length photograph to r.dsouza.co@gmail. com OR 9323925995 / 9699788876 6325 MUMBAI : Mangalorean Roman Catholic Spinster, (Born in July 1986), Ht. 163 cms, Wt. 62kgs, Fair Complexion,Edn. M.D. (Ophthalmology) Doctor by profession. Seeks a Mangalorean bachelor from Mumbai or Mangalore below 32 years, preferably Medical profession. Contact email : rufa0107@gmail.com OR 9969642490 6340. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in April 1989), Ht. 5’ 3”, Wheatish Complexion, Edn. M.Com, (Accounting) GNIIT, Working for a reputed IT - MNC as a Finance Executive. Seeks a well qualified and settled Mangalorean groom age upto 31 years, working in India or abroad. Contact email : nishalobo88@gmail.com OR 9930913027 / 9869077568. 6502. MUMBAI : Mangalorean Roman Catholic Spinster, (Born in May 1983), Ht. 5’ 4”, Wt. 63 kgs, Wheatish Complexion, Edn. M.Sc. Nursing, working as a ICU Nurse in Abudhabi - UAE. Seeks a well educated Mangalorean Bachelor with good family values. email: janydz_1484@yahoo. com OR 9930076741 / 28918871. 6166 MUMBAI : Mangalorean RC spinster (Born in April 1973), 5’ 5” tall, fair complexion with qualifications, B.Com. (Mumbai), M.B.A. Finance (Canada), M.B.A., (H.R.) and Diplomas in I.T. (NIIT), Comp. (Aptec), and Cert.Ind Acct. (I.C.A.), working in good position. Graduate / Post Graduate unmarried R.C. Bachelors upto 45 years, employed in good position and well settled in Mumbai or abroad. Contact email : bellwether77@yahoo. com or Mobile No. 9892700617.

5 December 2016

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