Home Equity Loan Application Please Type Or Print: Fill & Download for Free

No person with the sane mind can support Modi.Modi is the worst PM of India.1.Ticket to Criminal Candidates :A report in Hindu says that 57 members of Gujarat cabinet have criminal cases on them. Well, I seriously don’t understand how my India will shine under criminal candidates. Can BJP stop giving tickets to criminals ? if yes,then I can think to vote for them.2 . Right to Information Act (RTI) –RTI activists in Gujarat are suffering , their RTI Applications are not responded and thousands of RTI applications are pending. Gujarat RTI Activists Association, which has around 5,000 members, says that there are around 14,000 RTI applications pending at different stages in various departments of the state government. According to them, these RTIs can expose Corruption on larger scale. So stopping an RTI and Modi ji wants India to be like USA, no that is not possible if you stop the Right To Information for your citizens.Apart from this , why Modi has to keep tainted minister in his Cabinet? Many RTI activists have received threats to life , RTI Activist Amit Jethwa was murdered and BJP MP Dinu Bogha Solanki has been held . Freedom of knowledge and Free Speech which can threaten the govt is silenced . BJP MP arrested for RTI Activists Murder3. Weak Lokayukta :In April2012, Modi ji passed a new bill, The Gujarat Lokayukta Aayog which allows him to1. Choose the Lokayukta of his own choice.2. Block Lokayukta from investigating any cases against himself or his cabinet ministers.3. Remove the primacy of high court chief justice and the governor in the appointment of Lokayukta. ReadSupreme Court Upholds Gujarat’s Lokayukta Appointment And Mr Modi was slammedIs this what you call a strong Lokpal, when you criticize central government for bringing strong Lokpal, Mr Modi? If this is what you call a strong Lokpal, then all corrupt politicians would have backed Anna Hazare for this bill.4. No Riots after 2002: Narendra Modi ji has claimed Many times that there are no riots in Gujarat after 2002, any intelligent person would try to do a re-search on this claim . No Riots in Gujarat in Last 12 years – ModiFacts : Large scale riots happened within Vadodara in 2006 (no coincidence that next Gujarat elections were in 2007), Apart from that, regular stream of incidences involving arson, stone-pelting, stabbing, lynching etc kept on happening regularly all over Gujarat – Ahmedabad, Rajkot, Dohad, Veraval etc.4. False Promotions and fudging of facts , there are many examples of the same. i will list out some.a) Claim: Modi Claims that Gujarat has generated 25 lakh jobs generated in 2009 link and also said that jobs generated will be 52 lakh in 2011 . 52 lakh jobs in 2011.Truth: Planning Commission Employment Report, page no 126, suggests that, number of people employed in major sectors has come down from 25.3 million in 2004-05 to 24.65 million in 2009-10. Check Page number 126, Planning Commission Employment ReportSo, these high figures are for what when the jobs have gone down from 2004 to 2009 ?b) Education : let’s look at the Gujarat’s education Sector .Gujarat is the worst state in the country, when we look at the reading, writing and math skills of the rural students. Planning Commission reports Education Report. Only 7% of Gujarat’s class 5 kids can read English sentences, way below all India average and it’s better not to compare with other states.ASER survey taken in Jan 2013, shows clearly this fact. ASER surveyA major part of survey was reported by DNA which can be read here. Gujarat’s Class 8 literates can’t read.Its clear that Mr Modi is too busy in infrastructure and building roads that he doesn’t have time for future generations, he is aware that they can’t vote.b) TOURISM : Under Modi, Gujarat has turned out to be the visitors favourite destination in India. this is a quote from Modi’s website : Potential of Gujarat TourismHere is a quote from Modi’s website : ‘In the last year Gujarat got over 22 million tourists and witnessed a tourism growth rate of over 16%, which is double of the national tourism growth rate. From Rs 30 crore in 2005-2006, the tourism budget today is Rs 500 crore.’As recorded in Gujarat’s official tourism website Gujarat Tourism.Number of tourists during 2010-11 = 19,811,936 (19.8 million)Number of tourists during 2011-12 = 22,354,665 (22.3 million)Anyone who can do simple calculation would find out that, increase is around 13% (12.8% to be exact) and not 16% as Modi tells the nation.c) FALSE CLAIMS : Automobile majors are flocking to Gujarat because of great industrial climate Modi has created.Fact: Plain lie. Tata was given sops estimated to be worth Rs 30,000 crores over a period of time for investing only a fraction (Rs 2,000 crore) in Sanand, Gujarat. That’s what brought Nano to Gujarat. Modi Team confirms Mega Loan For TataModi Gives Rs 30,000 crore loan to Tata : Free public money in form of Rs 9,570 crore loan as the interest is 0.1% and payment time is 20 years (23% of Gujarat’s budget for that year). Plus, usual sops of tax and duty exemption, infrastructure development and 100 acres of land near Ahmedabad for township. Which businessman will refuse such a deal? link –> linkd) Claim: Gujarat is only state in the whole India to provide 24*7 and 365 days electricity to almost all of its 18000 villages. Modi to Mulayam: Modi to Mulayam: Making Gujarat means providing 24/7 electricityFact : Plain Lie . This is a two part claim1. 100% village electrification2. Gujarat’s leadership in electricity availability to its populaceGujarat’s villages were fully electrified by 1996 (or even before), Modi has no role in 100% village electrification. Electrification of villages, Page 23, Annual Report 1996-97, Ministry of PowerMoving on to availability of electricity, refer to a report of Census 2011, Availability of Electricity Census 2011Percentage of households using electricity as the source of lighting in Gujarat is 90.4%, ranked 14th behind big states like (TN 93.4, Andhra 92.2), many smaller states and UTs. Thus, Gujarat is not the leader in providing electricity to its populace. Interestingly, Gujarat rank fell from 12th in 2001 Census to 14th in 2011 Census.E) FALSE CLAIMS :Every Gujarati is in love with ModiFact: Less than 50% Gujaratis are voting for Modi and around 40% are voting for Congress. BJP’s high vote share pre-dates Modi.Vote per cent share Gujarat elections.In last General Elections (2009) in Gujarat, vote share difference between BJP and Congress was only 3.5%. Correspondingly, seats won BJP 15 and Congress 11.In India electoral systems, winners are based on seats won in which Modi/BJP is clear winner, but that does not mean everyone in Gujarat is voting for Modi/BJP. Within Gujarat Congress too have a healthy vote share in range of 40%.Source: Election Commission of IndiaF) False Claims: Gujarat’s agricultural growth is 10-11% , modi proudly says this fact and writes on his official website too Gujarat Agricultural growthFact : Plain lie. In last 6 years, Gujarat’s agriculture had -ve years of growth -1.08% (2007) & -8.71% (2009), and a zero growth year 0.3% (2010). Gujarat has had a very peculiar growth rate for agriculture. Although I have to say that the Sardar Sarovar Project has had a huge impact on agriculture in Gujarat.Page 61, GDP by Industry of Origin, Data for use of Deputy Chairman, Planning Commission.Furthermore, another data table of Ministry of Agriculture, mentions Gujarat’s agriculture from 1996-97 to 2010-2011 (not given whether it is at constant/current price or gross/net DP), to have frequently years of high negative growth and high positive growth, the variance is so high, by selecting a year, the corresponding growth can significantly change over a period.Page 53, GDP by Industry of Origin, Data for use of Deputy Chairman, Planning CommissionBy no stretch of Imagination Gujarat has 10-11% Agriculture growth, if that be would the farmers do suicides in Gujarat? Yet another lie exposed from RTI. What drove 135 Gujarat farmers to suicide?One more interesting read on suicides of Farmers in Gujarat . -> Sudden rise in farmer suicides in Gujarat.g) FALSE CLAIMS:Gujarat is the only state in country to have “high speed wireless broadband” service in its all 18000 villages.Fact: BSNL brought that to Gujarat. Ironically this is one of deals for which former Telecom minister A Raja is under investigation.BSNL, US’ Soma Networks in tie-up for largest WiMAX deal.SNL Launches India’s First High-speed Wireless Broadband Network in GujaratNow,they say its the only state in the country ,is it so ? No. Wimax comes to GoaIncidentally, BSNL-SOMA WiMAX deal is under investigation in corruption saga of former Telecom Minister A Raja. A Raja may be booked in BSNL’s WiMax deal.In other words, its A Raja, who bought WiMax to Gujarat.h) FALSE CLAIMS :Modi made the Asia’s biggest solar plant.Intending: Solar energy revolution was started by Modi.Fact: Solar energy revolution in India was started by UPA govt in 2010. JLNSM was launched on the 11th January, 2010 by the Prime Minister. The mission has set the ambitious target of deploying 20,000 MW of grid connected solar power by 2022. Jawaharlal Nehru National Solar MissionSince launch of the JLNSM, the capacity of solar power projects has grown from 8 MW in January 2010 to over 979 MW in the country. Progress under Jawaharlal Nehru National Solar MissionClearly Rajasthan and Gujarat, being the biggest desert states in India, solar program was likely to have the largest impact there. Due credit to Gujarat though that it beat Rajasthan to first placeH) Also Modi PR people have claimed that “The entire length of SSNL canal network in Gujarat is around 19,000 kilometres and if even 10 per cent of it is used for this type of projects it could generate 2,400 MW of clean energy annually.” People have touted him as if he was the inventor of the idea of putting solar panels over the canals.Fact: Again Plain Lie. First and foremost, the World’s first over the water solar power project is in California, United States. It’s functioning over a pond since April 2011 (picture above and below). Thus, there is nothing original about the idea of solar panel over water nor Gujarat is first to implement that.Forget 2,400 MW, not even 2MW is a reality.In last one & half year, after 1MW launched in April 2012, not a even one MW more is added. At best there are few “announcements” of Gujarat government to fund 10-20 MW. No news of any further construction as of now. Perhaps Gujarat’s bureaucracy knows; the whole thing was just a publicity stunt, why waste more money on this one.The 0.75 km is the total length of the existing canal top solar panels; somehow fan boys are convinced that 1,900 km (2,500 times) is being covered on war footing and try to force this lie with full rhetoric over anyone skeptical.Just to add, the original purpose of Narmada canals, to bring water to parched lands of Gujarat (a high priority task for any Gujarat CM), as of now remains way behind schedule. Only 35% of the total 75,000 km canal work is complete and in Modi’s 10 years as CM, 10,000 km is dug. Modi’s announced deadline of year 2010 for the task expired 3 years back.I ) FALSE MODELS: Gujarat model of governance – Clean and corruption free.Comptroller and Auditor General (CAG) of India has come up with many reports on How Modi government gave undue benefits to corporates resulting in several hundred crores loss to exchequer. CAG reportApart from this, there are many allegations of him providing land at Rs 1 sq/ft to Adani , 17 scams of Gujarat govt can be read here – > 17 Scams that Narendra Modi doesn’t want to talk.j) Gujarat has lost zero man days due to labour unrest (strikes, lockouts etc.), Modi ji in his videos and his speeches many times claimed the same.Plain lie : Check the annual report of Union finance ministry – The economic survey for the year 2010/11 (page no. 235 – 236), It clearly shows the “maximum incidences” of strikes and lockouts were recorded in Gujarat. Wage and allowance, bonus, personnel, indiscipline and violence were the major reasons.k): Somethings that are not spoken about.a. POVERTYThere are some things which Modi doesn’t tell you. In social sector, Gujarat is one of the worst performing states in the country. Source: Planning Commission Report on state Wise Population Below Poverty lineAnd this was not enough that. Now facts coming out that a person who earns Rs 11/ Day is not below Poverty line in Gujarat and so the person who earns below Rs 11/day are 24 lakhs in number. Read Rs 11/day and you are rich in Gujarat.These were my reasons, apart from that there are many reasons why I wouldn’t choose Modi as my PM. There are 24 hour trolling of BJP trolls on Twitter, Facebook. Their abusive nature and calling other parties with a bad name. Let’s know that showing disregard and abusing are two different things. Many of the journalists are being threatened if they say against Modi and they have shown disregard on Twitter and some of them even have been fired because they write against Mr Modi. Must read -> Why Sagarika Ghose can no longer criticize Modi.Apart from that, the silence of BJP on section 377, their links with LTTE funded Viako (please Google for that), Baba Ramdev’s and Subharamaniam Swamy’s dual nature forces me to not vote for Modi. Silence of BJP big wigs in Asaram Bapu case too is worrying . Apart from it, Wikileaks never said Modi as fully uncorrupt and the whole cable tells Modi to be communal and a ruler by few means and corruption in Oil refinery is evident.1 The Namami Gange schemeThe Modi government set up a separate ministry headed by Uma Bharti to oversee the work to clean and rejuvenate the Ganga. The Union Cabinet approved a budget outlay of Rs 20,000 crore for the mission - to be spent over the next five years under the Namami Gange Mission.This was almost ten times the amount allocated in the previous cleaning programmes - namely, the Ganga Action Plan phase I and II. The government also declared a 100% tax exemption for those contributing to the clean project in 2015-2016.However, a number of promises made under the ambitious project are yet to materialize. Take a look:Calling the 'Clean Ganga' scheme a failure, the National Green Tribunal slammed the Centre and Uttar Pradesh government for their failure to clean River Ganga in Varanasi.A major roadblock that the scheme is yet to overcome is the issue of sewage discharge into the river. Nothing concrete has been done so far to manage the massive waste disposal (2700 million litres a day (MLD) from all the cities located alongside the banks of the river.A major hindrance is the tussle between the Centre and the states. Most of the states through which the Ganga flows are governed by opposition parties. The scheme is now 100% centrally funded, but is still implemented by local authorities.Corporate houses in the country have shown no interest in funding the project under CSR. Data from the corporate affairs ministry has shown that among all projects of the Narendra Modi government, the Swachh Bharat and Namami Gange have received least amount of funding from private companies in the year 2014-15.The government plans to implement river-interlinking. However, environmentalists claim this could obstruct the natural ecology of rivers.India can’t afford another failure of gigantic proportions because 7,300 million litres of sewage is flowing directly or indirectly into the river every day and effluents from 764 polluting industries on the banks of the river are continuing to add to the problem.2 DemonetizationPrime objectives of Demonetization:Abolish the cash component of Black money. This was the major goal (over 99% weightage), estimated to bring in around 3.5–7 L Cr of total cash in circulation. But (as on 13th Dec 2016) with over 12.4L Cr (80%) currency already deposited out of 15.4L Cr (in 500, 1000 Rs notes) it’s clear that this goal has gone for a toss. Govt. (as on 4th Jan 2017) has not declared the numbers after 13 Dec 2016, it clearly points at the dire situation.However there is an advantage to it, much of this cash, was lying idle, has now entered the banking system and can now be put to use for development (if utilized properly).But since it happened suddenly, there is a huge disadvantage. Deposit rates have come down, so you won’t get less interest than you were getting earlier, but lending rates have not come down (As per latest RBI meeting), so housing or other industry activity will not get its advantage.Abolish Fake currency: The total fake currency estimated (by RBI) was around 400 Cr. which was 0.025% of total currency in circulation, making this a minor goal with <1% weightage. Surprisingly apart from mentioning it in initial speeches, Govt. did not released much data about this. And finally RBI confirmed that it has no confirmed data on fake notes.And within 3 months of Narendra Modi’s demonetisation move, fake Rs 2000 notes from Pakistan enter India.Fake currency will always keep getting generated and govt. has to keep reducing it. Advertising that such drastic change will end fake currency is just a stunt.All other objectives like terrorism etc. were dependent on these 2 prime objectives.B. Impact on Economy:In India, 94% transactions use to happen in cash. With 86% of currency notes suddenly out of circulation, most trade activities came to grinding halt for many weeks. Standing in ques for hours also caused sever loss of productivity. This caused hide loss to economy.As per CMIE 25 Nov. 2016 estimates there will be loss of 1.68 L Cr to the economy.Most conservative figures calculate the loss at 1% of GDP or 1.25L Cr. and some even count it at 2% of economy at 2.5L Cr.C. Social Impact:Job Loss: Demonetization has resulted in severe job losses. It’s hard to put exact number, but it runs in Millions. Here are few examples for it:Demonetisation-induced unemployment is pushing some in Bundelkhand to the brink of starvationMGNREGA hires plummet by 23% in NovemberConstruction workers return home as cash crunch heightensDeaths: Dozens of people have died due to one of the following reasons:a. Not getting treatment due to not having currency notes.b. Death while waiting in lines for Cash.c. Suicide due to conditions created by cash crunch.Though it is not an alarmingly high number, but for a family which lost even 1 member it’s devastating. And these death’s could have been averted with proper planning.Industrial output, tax numbers show note ban impactIt’s disheartening to hear that even as dozens of people lost their lives and millions got unemployed, some people still call it “minor inconvenience”?There are some social advantages to this too. Many people entered banking system for the fist time. This will increase bank savings in India, which is much required. But govt. Need to make people aware of this for long term results.Also some people became aware of digital transactions. This will increase the amount of accounted transactions. Which will marginally reduce corrupt practices and increase taxes.D: Digital Economy:Demonetization is not prerequisite for Digitization. It’s a separate activity and could (rather should) have been done earlier. But yes, not getting good result of demonstration compelled the government to look for alternatives and thats why it started talking about Digitization after 2 weeks of Demonetization.Lack of cash does gives a push to people to go digital but for the amount economy lost due to demonetization (1.25–2.5L Cr.), every Indian could have been incentivized by Rs 1000–2000 (very crude form) for going digital. And that would have much higher penetration than Demonetization.On other hand, if Digitization was planned properly, India had huge potential to start manufacturing the components to build digital infrastructure. One example is POS machines for cards are being imported in huge numbers mainly from China, could have been otherwise 'Made in India'. But ill planing gave such opportunities to foreign countries.If govt. is so serious about going cashless, why don't BJP declares that now they will take all donations only in cashless form (by cheque, DD, Online transfer etc.)? Why not practice what you preach?However there is a silver lining to this. Govt. was quick to realize the failure of demonetization, so it changed the focus and started pushing Digital money. This could have been done earlier also, but there was a lack of political will. Looming failure of demonetization, provided enough political will to push digital currency, even though the required infrastructure or awareness is not created by government. Penetration is still very low. But cash scarcity has Pushed some people to opt for digital currency. Which is good.E: Raids:Many raids were conducted during the exercise and it was widely covered on media. It felt like every corrupt person is raided and all black money will be recovered. But if we put the numbers in to prospective the total cash in old currency seized is 452 Cr, which around 0.1% of the estimated goal of over 3.5L Cr. So the catch was not as big as it was being portrayed.For undeclared asset, govt. could have conducted these raids any time. But yes, not getting desired results of demonstration “pushed the government” to conduct these raids, so there is some positive outcome.But again if we look at the flip side, new currency worth 110 Cr is also found in these raids, which points toward new avenues of black money being created.This is counter productive to the whole excise.The old black money is getting converted via various channels to new black money. And in the process it’s getting redistributed as black money to various people involved. On a lighter note this ‘redistribution’ is like “socialism of black money”.F. Corruption:Demonetization can only kill existing black money, that too only to some extent, it does not have any feature to end new black money from getting generated and as the raids suggest, that cycle has already begun. Creation of new black money while trying to convert old black money is a testimony to this.G. Long term Impact:Demonetization is not a structural policy change, hence it’s impacts (both +ve and -ve) are temporary and limited only to this event. Though the 2% loss of economy will have compounding ill effect in long term, but its very hard to calculate. While the advantages are mostly soft in nature, those fade off exponentially after the impetus ends.I don’t know why demonetization supporters are expecting long term changes without any policy change?Conclusion:Even if we over look the fact that only 3–7% of black money was in cash form (which is very less as compared to other forms). Isn't it a failure to achieve the main objective of demonetization?To make things worse it created a GDP loss of over 1.25L Cr. and a slew of other social losses?There are some benefits due to side effects, but those are either quite small as compared to the evident losses or could have been gained more efficiently by other less loss making methods. Overall it's a net loss to economy.3 Clean India CampaignThe specific objectives of Swachh Bharat mission areElimination of open defecationConversion of unsanitary toilets to pour flush toilets (a type of pit latrine, usually connected to two pits)Eradication of manual scavenging100% collection and processing/disposal/reuse/recycling of municipal solid wasteA behavioural change in people regarding healthy sanitationpracticesGeneration of awareness among citizens about sanitation and its linkages with public healthSupporting urban local bodies in designing, executing and operating waste disposal systemsFacilitating private-sector participation in capital expenditure and operation and maintenance costs for sanitary facilities.Source: Swachh Bharat AbhiyanNone of the objectives get fulfilled.4.Failure in creating new jobsThe India Exclusion Report 2016, released by the New Delhi-based Centre for Equity Studies (CES) on Friday, says that fewer jobs were created under the Modi government in 2015 compared to the previous government led by the Congress Party.Citing Labour Ministry Data, the report says that employment creation in 2015 plummeted to 135,000 jobs compared to 930,000 in 2011. "Yet more than half-way through his (Modi's) tenure, there are almost no jobs available. Job creation has fallen to levels even below those that the preceding UPA governments plunged to," the reportsays.The report also says that Dalits, Adivasis, Muslims and women, groups that have been traditionally oppressed, continue to be the most excluded from accessing public goods.Job Creation Under Modi Government Plunges To Levels Even Below The UPA Regime: Report5.Let us take Modi’s PET Smart City, the GIFT city and see it’s progress !! GIFT city is LIVING example of Modi’s LIES !!I guess 3 of 110 buildings have been completed in 9 years…another 107 buildings in 3 years is next to IMPOSSIBLE.2.7 percent work completed in 75% timeline ; do you expect remaining 97.3 percent will be completed in 25% time ?Coming to occupancy rate of 3 buildings, it is 82,12 & 6% ,Avg. occupancy = 33.33 % occupancy in 3 buildings (in spite of Modi forcing many PSUs and private companies to occupy these buildings) !!In the first year, Mumbai got Rs.100 crore as Smart City funds, this is not enough to clean silt in Mumbai gutters !!2007: We will re-negotiate nuclear deal: BJP2014: Ahead of Modi’s US trip, IAEA pact ratifiedIAEA to get more access to India’s nuclear programme.Then: Narendra Modi opposes GSTBJP blocks GST because of Gujarat minister (Amit Shah): PMNow: Modi’s GST U-turn set to make India single market for first timeThen: 1962 Indo-China war secret report 'blames' Nehru; BJP demands the document be made publicNow: In U-turn, Modi govt rules out release of Henderson Brooks reportJaitley Wanted China War Report Declassified, Changes OpinionJaitley Deletes blog post demanding release of Henderson BrooksThen: No talks till Dawood and Saeed are handed over, demands BJPNow: Pakistan PM to attend inauguration of India's Narendra ModiThen: BJP warns against removal of AFSPA - The Times of IndiaNow: After Article 370, BJP does a U-turn on AFSPA in J&KThen: BJP wanted files on Netaji Subhas Chandra Bose made publicNow: U-turn: BJP govt won't make Netaji files publicBJP following Congress path in suppressing facts on NetajiThen: We'll bring back black money in 150 days: BJP presidentWill bring back black money in 100 days: BJP chief Rajnath SinghNow: Never talked about bringing black money in 100 days: GovtBlack money: Back to square one, list same as last June, says SITBJP falling into black money ditch: SIT report will embarrass ModiBlack money case: Most accounts cleared or closedHave BJP's white lies on black money been nailed?Then: UPA failed to deliver on promisesNow: Congress accuses BJP of U-turns on poll promises180 days, 25 U-turns by Modi government: CongressThen: Irony: Rape accused PJ Kurien heads for global meet on womenNow: Sexual assault: No question of minister's resignation, BJP saysThen: BJP to oppose land boundary agreement with BangladeshNow: PM Modi endorses UPA’s land swap deal with BangladeshThen: BJP attacks Robert Vadra over ‘inappropriate’ behaviourNow: Robert Vadra continue to enjoy security check exemptionsThen: BJP looking for clean candidatesBJP wants Chidambaram, Sibal droppedNow: Half of Modi's new ministers face criminal cases, majority crorepatis Government’s FCRA tweak plan to benefit BJP, CongressThen: BJP dubs loan waiver as fraudulent propaganda by UPANow: Chandrababu Naidu to waive off farm loans totalling Rs 54,000 croreThen: BJP against hiking FDI cap to 49 per cent in insurance sectorNow: Determined BJP seeks to table insurance, GST BillsInsurance bill: The reasons behind BJP's puzzling about-turnThen: BJP calls for direct transfer of subsidiesNow: Modi's "Free Loans" depends on rapid expansion of cash transfersThen: Train fare hike unacceptable, says BJPDMK opposes railway fare hike, BJP wants rollbackNow: BJP defends railway fare hike, puts blame on UPAThen: We condemn the decision to deregulate diesel prices, says BJPNow: Govt raises diesel price, puts limit on LPG subsidyBJP allies want diesel subsidy to continueThen: BJP to strengthen institutions like CVC, CAGBJP to oppose any government attempt to dilute CAG authorityNow: BJP pulls up Narayanasamy for questioning CAG's mandateThen: BJP, Left hit out at interim budgetNow: Jaitley's budget is like Chidambaram's with a saffron lipstickBJP at pains to explain why Budget isn't extension of UPA policiesThen: BJP hails PM Modi's Jan Dhan YojanaNow: NDA copying UPA's financial inclusion plan: CongressIt's an UPA scheme: Congress on Jan Dhan Yojna's launch todayThen: BJP accuses Trinamool of using Saradha money to fund terror Now: Govt contradicts Amit Shah's claim Saradha money used for terrorThen: Congress opposed to being covered by RTI; BJP sees no wrongNow: BJP reverses stand on bringing  parties under RTIThen: Uma Bharti promises clean Ganga in 3 years - The Times of IndiaNow: Centre’s claim on Ganga remains unfulfilled: ExpertsCleaning Ganga will take 18yrs massive investment, Centre tells SCThen: Aadhaar not approved by Parliament, says BJPNilekani's Aadhaar project a political gimmick with no visionNot afraid of Nilekani Aadhaar a national threat: BJP's Ananth ‘Will Scrap Aadhaar, Revive National Population Registry’Now: PM Modi sees advantage for BJP government from UID scheme Modi govt to give legal backing to AadhaarThen: Ceasefire violations should not be politicized, says PM ModiNow: Where's The Pakistan Tough Talk Now, Modiji?Narendra Modi on TwitterCongress targets PM over his ceasefire violations remarksThen: People won't spare congress for fixing LPG cap:BJPLPG cylinder cap will be increased to 24 if BJP voted to powerNow: Eye trained on deficit, FinMin pushes for lowering LPG capRaising LPG cap was UPA mistake, oil minister to tell Modi govt Centre to deregulate diesel prices, reduce LPG capThen: BJP slams price hike of non subsidized LPG cylindersLPG cylinder price hiked, cylinder to now cost Rs.921LPG price hike: BJP slams govt, Congress chief Sonia GandhiNow: LPG price hiked by Rs 16.50 per cylinderLPG price hike to affect only 1% of consumers: GovernmentNon-subsidised LPG price hiked by Rs 16.50 per cylinderThen: Government's 'pink revolution' destroying cattle, says ModiNow: Modi govt’s biggest U-turn on ‘Pink RevolutionThen: Haryana: BJP's manifesto released, promise 24 hrs electricityHaryana polls: BJP promises to develop the state capitalNow: Can't assure 24x7 power in this term: CM - The Times of IndiaThen: Land Bill passed; gets majority support from BJPNo ordinance to amend land acquisition law, law min Gowda saysSushma Swaraj's pro-farmer stand on Land Acquisition BillNow: Govt approves ordinance to ease Land Acquisition Act for reformsStringent Land law to be amended without Opposition’s supportThen: Goa minister says centres to be set up to 'cure' LGBT youthsNow: Goa minister takes U-turn after facing flak for LGBT remarksThen: Full statehood for Delhi is top BJP priority | The Asian AgeBJP demands full statehood for Delhi, Congress sees politicsDikshit failed to get full statehood for Delhi: Harsh VardhanBJP releases 'Delhi-specific' manifesto ahead of Lok Sabha pollsNow: Modi may not grant Delhi full statehoodThen: Modi government plans 660 Centres for women violence victimsNow: Modi govt to build just 36 of the 660 promised rape crisis centresThen: Modi sarkar breaks from UPA, to rethink Section 66ASection 66A: Nightmare for citizens who dare to dissent Now: Modi government flip-flop: this time it defends net censorshipInternet needs stricter curbs than print, TV: Centre to SCU-turn as Government Prepares to Defend Controversial IT RuleThen: Declaration of assets of the Ministers of the UPA Union CabinetNow: PMO under Modi blocks access to information on ministers’ assetsThen: BJP accuses UPA Govt. of providing shelter to the corruptGovt protecting 'corrupt' ministers: AdvaniNow: Coal ordinance by BJP gives blanket protection to ministersThen: Will Modi's 'swacch bharat' spell acche din for Indian hygiene?Cabinet approves 5-year-long 'Swachh Bharat' missionNow: Modi has just washed his hands off Swacch Bharat in budgetModi's Swachh Bharat Abhiyan is nothing but a UPA schemeThen: Congress draws criticism from BJP as Khemka transferred againBJP, IAC demand probe into Ashok Khemka's transferNow: Ashok Khemka transfer: Bharatiya Janata Party justifies actionBJP downplays Khemka’s transferHaryana CM Khattar defends Ashok Khemka's transferAshok Khemka, whistleblower IAS officer, transferred againThen: BJP puts repealing of Article 370 in J-K manifestoModi's demand for 'debate on Article 370' sparks political rowNow: Will remove Article 370 when we have numbers in Parliament: BJPWhat explains the BJP’s U-turn on removing Article 370?BJP cannot abrogate Article 370 even with 2/3 majority: CongressThen: One rank, one pension scheme in this session: SwamyBJP MP demands early implementation of 'one rank, one pension'One Rank One Pension by April end: Army ChiefAt Mega Mathura Rally, PM Modi Expected to Announce OROPNow: PM doesn’t mention OROP, leaves ex-servicemen disappointedThen: Congress has neglected defense issues in its tenure: BJPParrikar says some ex-PMs ‘compromised’ India’s deep assetsNow: Mountain Strike Corps size to be cutWhy China-specific mountain strike corps has been downsized?Then: Community radio stations now face the heatNow: Govt. goes back on community radio content scrutiny orderThen: BJP gets into poll mode in Vidarbha, raises separate state demandState BJP ready to back govt resolution for Vidarbha in assemblyNow: First anniversary Shah gift for Vidarbha – no statehood!BJP omits promise of separate Vidarbha from 'vision document'Vid activists say Shah stance amounts to backstabbingNever promised Vidarbha: Amit ShahThen: Prime Minister Modi's Europe Trip to Push 'Make In India'PM Modi's 'Make in India' Push to Drive Investments, Create JobsMake in India kicks off with defence dealsRafale the next logical step under 'Make in India': DassaultNow: Modi abandons ‘Make in India’ as he opts for French planes'Make-In-India' Now is 'Make-In-France': Congress on RafaleRafale purchase a setback for ‘Make in India’ pitchCongress asks BJP why HAL was removed from Jet agreementThen: BJP Lawmaker Calls Gandhi Assassin Godse A 'Patriot'Now: BJP MP makes U-turn, says Gandhi's killer Godse not a patriotThen: Govt not taking Capt. Saurabh Kalia issue with Pak seriously: BJPNow: Modi govt backtracks on Saurabh Kalia issueModi govt shuts doors on Kargil martyr Captain Saurabh KaliaThen: Sikh prisoners: BJP bids to wrest issue from SAD Now: BJP's not for release of 13 Sikh prisonersThen: NDA govt to grant citizenship to Hindu immigrants from BangladeshNow: Modi has been high on rhetoric but low on action on Bangla HindusThen: PM Narendra Modi firm on changes in Land Acquisition ActBJP-States Demand Changes in Land Bill For Faster DevelopmentNow: BJP takes U-turn on land bill to bring back UPA’s key provisionsU-turn: Modi govt drops controversial amendments in land billThen: Address Jat quota stir, BJP tells government BJP spokesman calls Congress's Jat quota a hoax & camouflageNow: Jat quota stir: Modi government tries to follow in UPA's footstepsJat quota stir: Don’t take U-turn on assurance, Khaps tell govt BJP fears Jat quota stir may go out of control BJP gives in to Jat quota stir, will introduce bill on OBC statusThen: India to Britain: Kohinoor diamond belongs to youNow: In U-turn Modi government, promises to to bring back KohinoorThen: India issues visa to Uyghur 'terrorist' Dolkun Isa; China angryNow: India takes U-turn, cancels visa given to Chinese dissidentIndia does a U-turn, cancels visa to Chinese dissident Dolkun IsaThen: Hurriyat has no place in talks with Pakistan, says IndiaNSA-level talks off: After war of words, India and Pakistan decide not to talkNow: Major change in ‘Pak policy’? Govt says no problem in Hurriyat talking to Islamabad Hurriyat are Indian Citizens, Can Meet Any Foreign Representative, Says GovtThen: BJP Had A Very Different View On Demonetisation In 2014How BJP had termed demonetisation as ‘anti-poor’ in 2014Call-back of notes will hit poor: BJP - The Times of IndiaDemonetisation volte-face by BJP, not a sudden move by Centre?Now: India scraps 500 and 1,000 rupee bank notes overnight - BBC NewsWay: BJP had proposed 100% FDI in 2002:Back: BJP admits it promised FDI in retail in 2004Then: Nirmala says no to FDI in multi-brand retail BJP not to support more FDI in insurance, pension sectorsWill oppose FDI till our last breath: BJPNow: Govt departs from BJP to let FDI stay in multi-brand retailModi signals BJP rethink on multi-brand retail FDIBJP may consider higher FDI in insurance, but not in retailBJP not against FDI in pension, insurance, wants to see fine print'Guj will be among the 1st to implement FDI in retail' - OpinionBJP To Welcome FDI In DefenceDifferent types of FDI will benefit within reason, at different points of time. Doggedly opposing just one (retail) kind shows there behavior is just "posturing" as they tried to topple the UPA twice. Congress accuses BJP of U-turns on poll promises, 180 days, 25 U-turns by Modi government: CongressThis is beside the fact that Gujarat repeatedly tooted it's own horn on MoUs on foreign investment at its Vibrant Gujarat Global Investor Summits (Gujarat, the gateway to India: fact or farce, How vibrant is the Gujarat growth story)

YESNo person with the sane mind can support Modi.Modi is the worst PM of India.1.Ticket to Criminal Candidates :A report in Hindu says that 57 members of Gujarat cabinet have criminal cases on them. Well, I seriously don’t understand how my India will shine under criminal candidates. Can BJP stop giving tickets to criminals ? if yes,then I can think to vote for them.2 . Right to Information Act (RTI) –RTI activists in Gujarat are suffering , their RTI Applications are not responded and thousands of RTI applications are pending. Gujarat RTI Activists Association, which has around 5,000 members, says that there are around 14,000 RTI applications pending at different stages in various departments of the state government. According to them, these RTIs can expose Corruption on larger scale. So stopping an RTI and Modi ji wants India to be like USA, no that is not possible if you stop the Right To Information for your citizens.Apart from this , why Modi has to keep tainted minister in his Cabinet? Many RTI activists have received threats to life , RTI Activist Amit Jethwa was murdered and BJP MP Dinu Bogha Solanki has been held . Freedom of knowledge and Free Speech which can threaten the govt is silenced . BJP MP arrested for RTI Activists Murder3. Weak Lokayukta :In April2012, Modi ji passed a new bill, The Gujarat Lokayukta Aayog which allows him to1. Choose the Lokayukta of his own choice.2. Block Lokayukta from investigating any cases against himself or his cabinet ministers.3. Remove the primacy of high court chief justice and the governor in the appointment of Lokayukta. ReadSupreme Court Upholds Gujarat’s Lokayukta Appointment And Mr Modi was slammedIs this what you call a strong Lokpal, when you criticize central government for bringing strong Lokpal, Mr Modi? If this is what you call a strong Lokpal, then all corrupt politicians would have backed Anna Hazare for this bill.4. No Riots after 2002: Narendra Modi ji has claimed Many times that there are no riots in Gujarat after 2002, any intelligent person would try to do a re-search on this claim . No Riots in Gujarat in Last 12 years – ModiFacts : Large scale riots happened within Vadodara in 2006 (no coincidence that next Gujarat elections were in 2007), Apart from that, regular stream of incidences involving arson, stone-pelting, stabbing, lynching etc kept on happening regularly all over Gujarat – Ahmedabad, Rajkot, Dohad, Veraval etc.4. False Promotions and fudging of facts , there are many examples of the same. i will list out some.a) Claim: Modi Claims that Gujarat has generated 25 lakh jobs generated in 2009 link and also said that jobs generated will be 52 lakh in 2011 . 52 lakh jobs in 2011.Truth: Planning Commission Employment Report, page no 126, suggests that, number of people employed in major sectors has come down from 25.3 million in 2004-05 to 24.65 million in 2009-10. Check Page number 126, Planning Commission Employment ReportSo, these high figures are for what when the jobs have gone down from 2004 to 2009 ?b) Education : let’s look at the Gujarat’s education Sector .Gujarat is the worst state in the country, when we look at the reading, writing and math skills of the rural students. Planning Commission reports Education Report. Only 7% of Gujarat’s class 5 kids can read English sentences, way below all India average and it’s better not to compare with other states.ASER survey taken in Jan 2013, shows clearly this fact. ASER surveyA major part of survey was reported by DNA which can be read here. Gujarat’s Class 8 literates can’t read.Its clear that Mr Modi is too busy in infrastructure and building roads that he doesn’t have time for future generations, he is aware that they can’t vote.b) TOURISM : Under Modi, Gujarat has turned out to be the visitors favourite destination in India. this is a quote from Modi’s website : Potential of Gujarat TourismHere is a quote from Modi’s website : ‘In the last year Gujarat got over 22 million tourists and witnessed a tourism growth rate of over 16%, which is double of the national tourism growth rate. From Rs 30 crore in 2005-2006, the tourism budget today is Rs 500 crore.’As recorded in Gujarat’s official tourism website Gujarat Tourism.Number of tourists during 2010-11 = 19,811,936 (19.8 million)Number of tourists during 2011-12 = 22,354,665 (22.3 million)Anyone who can do simple calculation would find out that, increase is around 13% (12.8% to be exact) and not 16% as Modi tells the nation.c) FALSE CLAIMS : Automobile majors are flocking to Gujarat because of great industrial climate Modi has created.Fact: Plain lie. Tata was given sops estimated to be worth Rs 30,000 crores over a period of time for investing only a fraction (Rs 2,000 crore) in Sanand, Gujarat. That’s what brought Nano to Gujarat. Modi Team confirms Mega Loan For TataModi Gives Rs 30,000 crore loan to Tata : Free public money in form of Rs 9,570 crore loan as the interest is 0.1% and payment time is 20 years (23% of Gujarat’s budget for that year). Plus, usual sops of tax and duty exemption, infrastructure development and 100 acres of land near Ahmedabad for township. Which businessman will refuse such a deal? link –> linkd) Claim: Gujarat is only state in the whole India to provide 24*7 and 365 days electricity to almost all of its 18000 villages. Modi to Mulayam: Modi to Mulayam: Making Gujarat means providing 24/7 electricityFact : Plain Lie . This is a two part claim1. 100% village electrification2. Gujarat’s leadership in electricity availability to its populaceGujarat’s villages were fully electrified by 1996 (or even before), Modi has no role in 100% village electrification. Electrification of villages, Page 23, Annual Report 1996-97, Ministry of PowerMoving on to availability of electricity, refer to a report of Census 2011, Availability of Electricity Census 2011Percentage of households using electricity as the source of lighting in Gujarat is 90.4%, ranked 14th behind big states like (TN 93.4, Andhra 92.2), many smaller states and UTs. Thus, Gujarat is not the leader in providing electricity to its populace. Interestingly, Gujarat rank fell from 12th in 2001 Census to 14th in 2011 Census.E) FALSE CLAIMS :Every Gujarati is in love with ModiFact: Less than 50% Gujaratis are voting for Modi and around 40% are voting for Congress. BJP’s high vote share pre-dates Modi.Vote per cent share Gujarat elections.In last General Elections (2009) in Gujarat, vote share difference between BJP and Congress was only 3.5%. Correspondingly, seats won BJP 15 and Congress 11.In India electoral systems, winners are based on seats won in which Modi/BJP is clear winner, but that does not mean everyone in Gujarat is voting for Modi/BJP. Within Gujarat Congress too have a healthy vote share in range of 40%.Source: Election Commission of IndiaF) False Claims: Gujarat’s agricultural growth is 10-11% , modi proudly says this fact and writes on his official website too Gujarat Agricultural growthFact : Plain lie. In last 6 years, Gujarat’s agriculture had -ve years of growth -1.08% (2007) & -8.71% (2009), and a zero growth year 0.3% (2010). Gujarat has had a very peculiar growth rate for agriculture. Although I have to say that the Sardar Sarovar Project has had a huge impact on agriculture in Gujarat.Page 61, GDP by Industry of Origin, Data for use of Deputy Chairman, Planning Commission.Furthermore, another data table of Ministry of Agriculture, mentions Gujarat’s agriculture from 1996-97 to 2010-2011 (not given whether it is at constant/current price or gross/net DP), to have frequently years of high negative growth and high positive growth, the variance is so high, by selecting a year, the corresponding growth can significantly change over a period.Page 53, GDP by Industry of Origin, Data for use of Deputy Chairman, Planning CommissionBy no stretch of Imagination Gujarat has 10-11% Agriculture growth, if that be would the farmers do suicides in Gujarat? Yet another lie exposed from RTI. What drove 135 Gujarat farmers to suicide?One more interesting read on suicides of Farmers in Gujarat . -> Sudden rise in farmer suicides in Gujarat.g) FALSE CLAIMS:Gujarat is the only state in country to have “high speed wireless broadband” service in its all 18000 villages.Fact: BSNL brought that to Gujarat. Ironically this is one of deals for which former Telecom minister A Raja is under investigation.BSNL, US’ Soma Networks in tie-up for largest WiMAX deal.SNL Launches India’s First High-speed Wireless Broadband Network in GujaratNow,they say its the only state in the country ,is it so ? No. Wimax comes to GoaIncidentally, BSNL-SOMA WiMAX deal is under investigation in corruption saga of former Telecom Minister A Raja. A Raja may be booked in BSNL’s WiMax deal.In other words, its A Raja, who bought WiMax to Gujarat.h) FALSE CLAIMS :Modi made the Asia’s biggest solar plant.Intending: Solar energy revolution was started by Modi.Fact: Solar energy revolution in India was started by UPA govt in 2010. JLNSM was launched on the 11th January, 2010 by the Prime Minister. The mission has set the ambitious target of deploying 20,000 MW of grid connected solar power by 2022. Jawaharlal Nehru National Solar MissionSince launch of the JLNSM, the capacity of solar power projects has grown from 8 MW in January 2010 to over 979 MW in the country. Progress under Jawaharlal Nehru National Solar MissionClearly Rajasthan and Gujarat, being the biggest desert states in India, solar program was likely to have the largest impact there. Due credit to Gujarat though that it beat Rajasthan to first placeH) Also Modi PR people have claimed that “The entire length of SSNL canal network in Gujarat is around 19,000 kilometres and if even 10 per cent of it is used for this type of projects it could generate 2,400 MW of clean energy annually.” People have touted him as if he was the inventor of the idea of putting solar panels over the canals.Fact: Again Plain Lie. First and foremost, the World’s first over the water solar power project is in California, United States. It’s functioning over a pond since April 2011 (picture above and below). Thus, there is nothing original about the idea of solar panel over water nor Gujarat is first to implement that.Forget 2,400 MW, not even 2MW is a reality.In last one & half year, after 1MW launched in April 2012, not a even one MW more is added. At best there are few “announcements” of Gujarat government to fund 10-20 MW. No news of any further construction as of now. Perhaps Gujarat’s bureaucracy knows; the whole thing was just a publicity stunt, why waste more money on this one.The 0.75 km is the total length of the existing canal top solar panels; somehow fan boys are convinced that 1,900 km (2,500 times) is being covered on war footing and try to force this lie with full rhetoric over anyone skeptical.Just to add, the original purpose of Narmada canals, to bring water to parched lands of Gujarat (a high priority task for any Gujarat CM), as of now remains way behind schedule. Only 35% of the total 75,000 km canal work is complete and in Modi’s 10 years as CM, 10,000 km is dug. Modi’s announced deadline of year 2010 for the task expired 3 years back.I ) FALSE MODELS: Gujarat model of governance – Clean and corruption free.Comptroller and Auditor General (CAG) of India has come up with many reports on How Modi government gave undue benefits to corporates resulting in several hundred crores loss to exchequer. CAG reportApart from this, there are many allegations of him providing land at Rs 1 sq/ft to Adani , 17 scams of Gujarat govt can be read here – > 17 Scams that Narendra Modi doesn’t want to talk.j) Gujarat has lost zero man days due to labour unrest (strikes, lockouts etc.), Modi ji in his videos and his speeches many times claimed the same.Plain lie : Check the annual report of Union finance ministry – The economic survey for the year 2010/11 (page no. 235 – 236), It clearly shows the “maximum incidences” of strikes and lockouts were recorded in Gujarat. Wage and allowance, bonus, personnel, indiscipline and violence were the major reasons.k): Somethings that are not spoken about.a. POVERTYThere are some things which Modi doesn’t tell you. In social sector, Gujarat is one of the worst performing states in the country. Source: Planning Commission Report on state Wise Population Below Poverty lineAnd this was not enough that. Now facts coming out that a person who earns Rs 11/ Day is not below Poverty line in Gujarat and so the person who earns below Rs 11/day are 24 lakhs in number. Read Rs 11/day and you are rich in Gujarat.These were my reasons, apart from that there are many reasons why I wouldn’t choose Modi as my PM. There are 24 hour trolling of BJP trolls on Twitter, Facebook. Their abusive nature and calling other parties with a bad name. Let’s know that showing disregard and abusing are two different things. Many of the journalists are being threatened if they say against Modi and they have shown disregard on Twitter and some of them even have been fired because they write against Mr Modi. Must read -> Why Sagarika Ghose can no longer criticize Modi.Apart from that, the silence of BJP on section 377, their links with LTTE funded Viako (please Google for that), Baba Ramdev’s and Subharamaniam Swamy’s dual nature forces me to not vote for Modi. Silence of BJP big wigs in Asaram Bapu case too is worrying . Apart from it, Wikileaks never said Modi as fully uncorrupt and the whole cable tells Modi to be communal and a ruler by few means and corruption in Oil refinery is evident.1 The Namami Gange schemeThe Modi government set up a separate ministry headed by Uma Bharti to oversee the work to clean and rejuvenate the Ganga. The Union Cabinet approved a budget outlay of Rs 20,000 crore for the mission - to be spent over the next five years under the Namami Gange Mission.This was almost ten times the amount allocated in the previous cleaning programmes - namely, the Ganga Action Plan phase I and II. The government also declared a 100% tax exemption for those contributing to the clean project in 2015-2016.However, a number of promises made under the ambitious project are yet to materialize. Take a look:Calling the 'Clean Ganga' scheme a failure, the National Green Tribunal slammed the Centre and Uttar Pradesh government for their failure to clean River Ganga in Varanasi.A major roadblock that the scheme is yet to overcome is the issue of sewage discharge into the river. Nothing concrete has been done so far to manage the massive waste disposal (2700 million litres a day (MLD) from all the cities located alongside the banks of the river.A major hindrance is the tussle between the Centre and the states. Most of the states through which the Ganga flows are governed by opposition parties. The scheme is now 100% centrally funded, but is still implemented by local authorities.Corporate houses in the country have shown no interest in funding the project under CSR. Data from the corporate affairs ministry has shown that among all projects of the Narendra Modi government, the Swachh Bharat and Namami Gange have received least amount of funding from private companies in the year 2014-15.The government plans to implement river-interlinking. However, environmentalists claim this could obstruct the natural ecology of rivers.India can’t afford another failure of gigantic proportions because 7,300 million litres of sewage is flowing directly or indirectly into the river every day and effluents from 764 polluting industries on the banks of the river are continuing to add to the problem.2 DemonetizationPrime objectives of Demonetization:Abolish the cash component of Black money. This was the major goal (over 99% weightage), estimated to bring in around 3.5–7 L Cr of total cash in circulation. But (as on 13th Dec 2016) with over 12.4L Cr (80%) currency already deposited out of 15.4L Cr (in 500, 1000 Rs notes) it’s clear that this goal has gone for a toss. Govt. (as on 4th Jan 2017) has not declared the numbers after 13 Dec 2016, it clearly points at the dire situation.However there is an advantage to it, much of this cash, was lying idle, has now entered the banking system and can now be put to use for development (if utilized properly).But since it happened suddenly, there is a huge disadvantage. Deposit rates have come down, so you won’t get less interest than you were getting earlier, but lending rates have not come down (As per latest RBI meeting), so housing or other industry activity will not get its advantage.Abolish Fake currency: The total fake currency estimated (by RBI) was around 400 Cr. which was 0.025% of total currency in circulation, making this a minor goal with <1% weightage. Surprisingly apart from mentioning it in initial speeches, Govt. did not released much data about this. And finally RBI confirmed that it has no confirmed data on fake notes.And within 3 months of Narendra Modi’s demonetisation move, fake Rs 2000 notes from Pakistan enter India.Fake currency will always keep getting generated and govt. has to keep reducing it. Advertising that such drastic change will end fake currency is just a stunt.All other objectives like terrorism etc. were dependent on these 2 prime objectives.B. Impact on Economy:In India, 94% transactions use to happen in cash. With 86% of currency notes suddenly out of circulation, most trade activities came to grinding halt for many weeks. Standing in ques for hours also caused sever loss of productivity. This caused hide loss to economy.As per CMIE 25 Nov. 2016 estimates there will be loss of 1.68 L Cr to the economy.Most conservative figures calculate the loss at 1% of GDP or 1.25L Cr. and some even count it at 2% of economy at 2.5L Cr.C. Social Impact:Job Loss: Demonetization has resulted in severe job losses. It’s hard to put exact number, but it runs in Millions. Here are few examples for it:Demonetisation-induced unemployment is pushing some in Bundelkhand to the brink of starvationMGNREGA hires plummet by 23% in NovemberConstruction workers return home as cash crunch heightensDeaths: Dozens of people have died due to one of the following reasons:a. Not getting treatment due to not having currency notes.b. Death while waiting in lines for Cash.c. Suicide due to conditions created by cash crunch.Though it is not an alarmingly high number, but for a family which lost even 1 member it’s devastating. And these death’s could have been averted with proper planning.Industrial output, tax numbers show note ban impactIt’s disheartening to hear that even as dozens of people lost their lives and millions got unemployed, some people still call it “minor inconvenience”?There are some social advantages to this too. Many people entered banking system for the fist time. This will increase bank savings in India, which is much required. But govt. Need to make people aware of this for long term results.Also some people became aware of digital transactions. This will increase the amount of accounted transactions. Which will marginally reduce corrupt practices and increase taxes.D: Digital Economy:Demonetization is not prerequisite for Digitization. It’s a separate activity and could (rather should) have been done earlier. But yes, not getting good result of demonstration compelled the government to look for alternatives and thats why it started talking about Digitization after 2 weeks of Demonetization.Lack of cash does gives a push to people to go digital but for the amount economy lost due to demonetization (1.25–2.5L Cr.), every Indian could have been incentivized by Rs 1000–2000 (very crude form) for going digital. And that would have much higher penetration than Demonetization.On other hand, if Digitization was planned properly, India had huge potential to start manufacturing the components to build digital infrastructure. One example is POS machines for cards are being imported in huge numbers mainly from China, could have been otherwise 'Made in India'. But ill planing gave such opportunities to foreign countries.If govt. is so serious about going cashless, why don't BJP declares that now they will take all donations only in cashless form (by cheque, DD, Online transfer etc.)? Why not practice what you preach?However there is a silver lining to this. Govt. was quick to realize the failure of demonetization, so it changed the focus and started pushing Digital money. This could have been done earlier also, but there was a lack of political will. Looming failure of demonetization, provided enough political will to push digital currency, even though the required infrastructure or awareness is not created by government. Penetration is still very low. But cash scarcity has Pushed some people to opt for digital currency. Which is good.E: Raids:Many raids were conducted during the exercise and it was widely covered on media. It felt like every corrupt person is raided and all black money will be recovered. But if we put the numbers in to prospective the total cash in old currency seized is 452 Cr, which around 0.1% of the estimated goal of over 3.5L Cr. So the catch was not as big as it was being portrayed.For undeclared asset, govt. could have conducted these raids any time. But yes, not getting desired results of demonstration “pushed the government” to conduct these raids, so there is some positive outcome.But again if we look at the flip side, new currency worth 110 Cr is also found in these raids, which points toward new avenues of black money being created.This is counter productive to the whole excise.The old black money is getting converted via various channels to new black money. And in the process it’s getting redistributed as black money to various people involved. On a lighter note this ‘redistribution’ is like “socialism of black money”.F. Corruption:Demonetization can only kill existing black money, that too only to some extent, it does not have any feature to end new black money from getting generated and as the raids suggest, that cycle has already begun. Creation of new black money while trying to convert old black money is a testimony to this.G. Long term Impact:Demonetization is not a structural policy change, hence it’s impacts (both +ve and -ve) are temporary and limited only to this event. Though the 2% loss of economy will have compounding ill effect in long term, but its very hard to calculate. While the advantages are mostly soft in nature, those fade off exponentially after the impetus ends.I don’t know why demonetization supporters are expecting long term changes without any policy change?Conclusion:Even if we over look the fact that only 3–7% of black money was in cash form (which is very less as compared to other forms). Isn't it a failure to achieve the main objective of demonetization?To make things worse it created a GDP loss of over 1.25L Cr. and a slew of other social losses?There are some benefits due to side effects, but those are either quite small as compared to the evident losses or could have been gained more efficiently by other less loss making methods. Overall it's a net loss to economy.3 Clean India CampaignThe specific objectives of Swachh Bharat mission areElimination of open defecationConversion of unsanitary toilets to pour flush toilets (a type of pit latrine, usually connected to two pits)Eradication of manual scavenging100% collection and processing/disposal/reuse/recycling of municipal solid wasteA behavioural change in people regarding healthy sanitationpracticesGeneration of awareness among citizens about sanitation and its linkages with public healthSupporting urban local bodies in designing, executing and operating waste disposal systemsFacilitating private-sector participation in capital expenditure and operation and maintenance costs for sanitary facilities.Source: Swachh Bharat AbhiyanNone of the objectives get fulfilled.4.Failure in creating new jobsThe India Exclusion Report 2016, released by the New Delhi-based Centre for Equity Studies (CES) on Friday, says that fewer jobs were created under the Modi government in 2015 compared to the previous government led by the Congress Party.Citing Labour Ministry Data, the report says that employment creation in 2015 plummeted to 135,000 jobs compared to 930,000 in 2011. "Yet more than half-way through his (Modi's) tenure, there are almost no jobs available. Job creation has fallen to levels even below those that the preceding UPA governments plunged to," the reportsays.The report also says that Dalits, Adivasis, Muslims and women, groups that have been traditionally oppressed, continue to be the most excluded from accessing public goods.Job Creation Under Modi Government Plunges To Levels Even Below The UPA Regime: Report5.Let us take Modi’s PET Smart City, the GIFT city and see it’s progress !! GIFT city is LIVING example of Modi’s LIES !!I guess 3 of 110 buildings have been completed in 9 years…another 107 buildings in 3 years is next to IMPOSSIBLE.2.7 percent work completed in 75% timeline ; do you expect remaining 97.3 percent will be completed in 25% time ?Coming to occupancy rate of 3 buildings, it is 82,12 & 6% ,Avg. occupancy = 33.33 % occupancy in 3 buildings (in spite of Modi forcing many PSUs and private companies to occupy these buildings) !!In the first year, Mumbai got Rs.100 crore as Smart City funds, this is not enough to clean silt in Mumbai gutters !!2007: We will re-negotiate nuclear deal: BJP2014: Ahead of Modi’s US trip, IAEA pact ratifiedIAEA to get more access to India’s nuclear programme.Then: Narendra Modi opposes GSTBJP blocks GST because of Gujarat minister (Amit Shah): PMNow: Modi’s GST U-turn set to make India single market for first timeThen: 1962 Indo-China war secret report 'blames' Nehru; BJP demands the document be made publicNow: In U-turn, Modi govt rules out release of Henderson Brooks reportJaitley Wanted China War Report Declassified, Changes OpinionJaitley Deletes blog post demanding release of Henderson BrooksThen: No talks till Dawood and Saeed are handed over, demands BJPNow: Pakistan PM to attend inauguration of India's Narendra ModiThen: BJP warns against removal of AFSPA - The Times of IndiaNow: After Article 370, BJP does a U-turn on AFSPA in J&KThen: BJP wanted files on Netaji Subhas Chandra Bose made publicNow: U-turn: BJP govt won't make Netaji files publicBJP following Congress path in suppressing facts on NetajiThen: We'll bring back black money in 150 days: BJP presidentWill bring back black money in 100 days: BJP chief Rajnath SinghNow: Never talked about bringing black money in 100 days: GovtBlack money: Back to square one, list same as last June, says SITBJP falling into black money ditch: SIT report will embarrass ModiBlack money case: Most accounts cleared or closedHave BJP's white lies on black money been nailed?Then: UPA failed to deliver on promisesNow: Congress accuses BJP of U-turns on poll promises180 days, 25 U-turns by Modi government: CongressThen: Irony: Rape accused PJ Kurien heads for global meet on womenNow: Sexual assault: No question of minister's resignation, BJP saysThen: BJP to oppose land boundary agreement with BangladeshNow: PM Modi endorses UPA’s land swap deal with BangladeshThen: BJP attacks Robert Vadra over ‘inappropriate’ behaviourNow: Robert Vadra continue to enjoy security check exemptionsThen: BJP looking for clean candidatesBJP wants Chidambaram, Sibal droppedNow: Half of Modi's new ministers face criminal cases, majority crorepatis Government’s FCRA tweak plan to benefit BJP, CongressThen: BJP dubs loan waiver as fraudulent propaganda by UPANow: Chandrababu Naidu to waive off farm loans totalling Rs 54,000 croreThen: BJP against hiking FDI cap to 49 per cent in insurance sectorNow: Determined BJP seeks to table insurance, GST BillsInsurance bill: The reasons behind BJP's puzzling about-turnThen: BJP calls for direct transfer of subsidiesNow: Modi's "Free Loans" depends on rapid expansion of cash transfersThen: Train fare hike unacceptable, says BJPDMK opposes railway fare hike, BJP wants rollbackNow: BJP defends railway fare hike, puts blame on UPAThen: We condemn the decision to deregulate diesel prices, says BJPNow: Govt raises diesel price, puts limit on LPG subsidyBJP allies want diesel subsidy to continueThen: BJP to strengthen institutions like CVC, CAGBJP to oppose any government attempt to dilute CAG authorityNow: BJP pulls up Narayanasamy for questioning CAG's mandateThen: BJP, Left hit out at interim budgetNow: Jaitley's budget is like Chidambaram's with a saffron lipstickBJP at pains to explain why Budget isn't extension of UPA policiesThen: BJP hails PM Modi's Jan Dhan YojanaNow: NDA copying UPA's financial inclusion plan: CongressIt's an UPA scheme: Congress on Jan Dhan Yojna's launch todayThen: BJP accuses Trinamool of using Saradha money to fund terror Now: Govt contradicts Amit Shah's claim Saradha money used for terrorThen: Congress opposed to being covered by RTI; BJP sees no wrongNow: BJP reverses stand on bringing  parties under RTIThen: Uma Bharti promises clean Ganga in 3 years - The Times of IndiaNow: Centre’s claim on Ganga remains unfulfilled: ExpertsCleaning Ganga will take 18yrs massive investment, Centre tells SCThen: Aadhaar not approved by Parliament, says BJPNilekani's Aadhaar project a political gimmick with no visionNot afraid of Nilekani Aadhaar a national threat: BJP's Ananth ‘Will Scrap Aadhaar, Revive National Population Registry’Now: PM Modi sees advantage for BJP government from UID scheme Modi govt to give legal backing to AadhaarThen: Ceasefire violations should not be politicized, says PM ModiNow: Where's The Pakistan Tough Talk Now, Modiji?Narendra Modi on TwitterCongress targets PM over his ceasefire violations remarksThen: People won't spare congress for fixing LPG cap:BJPLPG cylinder cap will be increased to 24 if BJP voted to powerNow: Eye trained on deficit, FinMin pushes for lowering LPG capRaising LPG cap was UPA mistake, oil minister to tell Modi govt Centre to deregulate diesel prices, reduce LPG capThen: BJP slams price hike of non subsidized LPG cylindersLPG cylinder price hiked, cylinder to now cost Rs.921LPG price hike: BJP slams govt, Congress chief Sonia GandhiNow: LPG price hiked by Rs 16.50 per cylinderLPG price hike to affect only 1% of consumers: GovernmentNon-subsidised LPG price hiked by Rs 16.50 per cylinderThen: Government's 'pink revolution' destroying cattle, says ModiNow: Modi govt’s biggest U-turn on ‘Pink RevolutionThen: Haryana: BJP's manifesto released, promise 24 hrs electricityHaryana polls: BJP promises to develop the state capitalNow: Can't assure 24x7 power in this term: CM - The Times of IndiaThen: Land Bill passed; gets majority support from BJPNo ordinance to amend land acquisition law, law min Gowda saysSushma Swaraj's pro-farmer stand on Land Acquisition BillNow: Govt approves ordinance to ease Land Acquisition Act for reformsStringent Land law to be amended without Opposition’s supportThen: Goa minister says centres to be set up to 'cure' LGBT youthsNow: Goa minister takes U-turn after facing flak for LGBT remarksThen: Full statehood for Delhi is top BJP priority | The Asian AgeBJP demands full statehood for Delhi, Congress sees politicsDikshit failed to get full statehood for Delhi: Harsh VardhanBJP releases 'Delhi-specific' manifesto ahead of Lok Sabha pollsNow: Modi may not grant Delhi full statehoodThen: Modi government plans 660 Centres for women violence victimsNow: Modi govt to build just 36 of the 660 promised rape crisis centresThen: Modi sarkar breaks from UPA, to rethink Section 66ASection 66A: Nightmare for citizens who dare to dissent Now: Modi government flip-flop: this time it defends net censorshipInternet needs stricter curbs than print, TV: Centre to SCU-turn as Government Prepares to Defend Controversial IT RuleThen: Declaration of assets of the Ministers of the UPA Union CabinetNow: PMO under Modi blocks access to information on ministers’ assetsThen: BJP accuses UPA Govt. of providing shelter to the corruptGovt protecting 'corrupt' ministers: AdvaniNow: Coal ordinance by BJP gives blanket protection to ministersThen: Will Modi's 'swacch bharat' spell acche din for Indian hygiene?Cabinet approves 5-year-long 'Swachh Bharat' missionNow: Modi has just washed his hands off Swacch Bharat in budgetModi's Swachh Bharat Abhiyan is nothing but a UPA schemeThen: Congress draws criticism from BJP as Khemka transferred againBJP, IAC demand probe into Ashok Khemka's transferNow: Ashok Khemka transfer: Bharatiya Janata Party justifies actionBJP downplays Khemka’s transferHaryana CM Khattar defends Ashok Khemka's transferAshok Khemka, whistleblower IAS officer, transferred againThen: BJP puts repealing of Article 370 in J-K manifestoModi's demand for 'debate on Article 370' sparks political rowNow: Will remove Article 370 when we have numbers in Parliament: BJPWhat explains the BJP’s U-turn on removing Article 370?BJP cannot abrogate Article 370 even with 2/3 majority: CongressThen: One rank, one pension scheme in this session: SwamyBJP MP demands early implementation of 'one rank, one pension'One Rank One Pension by April end: Army ChiefAt Mega Mathura Rally, PM Modi Expected to Announce OROPNow: PM doesn’t mention OROP, leaves ex-servicemen disappointedThen: Congress has neglected defense issues in its tenure: BJPParrikar says some ex-PMs ‘compromised’ India’s deep assetsNow: Mountain Strike Corps size to be cutWhy China-specific mountain strike corps has been downsized?Then: Community radio stations now face the heatNow: Govt. goes back on community radio content scrutiny orderThen: BJP gets into poll mode in Vidarbha, raises separate state demandState BJP ready to back govt resolution for Vidarbha in assemblyNow: First anniversary Shah gift for Vidarbha – no statehood!BJP omits promise of separate Vidarbha from 'vision document'Vid activists say Shah stance amounts to backstabbingNever promised Vidarbha: Amit ShahThen: Prime Minister Modi's Europe Trip to Push 'Make In India'PM Modi's 'Make in India' Push to Drive Investments, Create JobsMake in India kicks off with defence dealsRafale the next logical step under 'Make in India': DassaultNow: Modi abandons ‘Make in India’ as he opts for French planes'Make-In-India' Now is 'Make-In-France': Congress on RafaleRafale purchase a setback for ‘Make in India’ pitchCongress asks BJP why HAL was removed from Jet agreementThen: BJP Lawmaker Calls Gandhi Assassin Godse A 'Patriot'Now: BJP MP makes U-turn, says Gandhi's killer Godse not a patriotThen: Govt not taking Capt. Saurabh Kalia issue with Pak seriously: BJPNow: Modi govt backtracks on Saurabh Kalia issueModi govt shuts doors on Kargil martyr Captain Saurabh KaliaThen: Sikh prisoners: BJP bids to wrest issue from SAD Now: BJP's not for release of 13 Sikh prisonersThen: NDA govt to grant citizenship to Hindu immigrants from BangladeshNow: Modi has been high on rhetoric but low on action on Bangla HindusThen: PM Narendra Modi firm on changes in Land Acquisition ActBJP-States Demand Changes in Land Bill For Faster DevelopmentNow: BJP takes U-turn on land bill to bring back UPA’s key provisionsU-turn: Modi govt drops controversial amendments in land billThen: Address Jat quota stir, BJP tells government BJP spokesman calls Congress's Jat quota a hoax & camouflageNow: Jat quota stir: Modi government tries to follow in UPA's footstepsJat quota stir: Don’t take U-turn on assurance, Khaps tell govt BJP fears Jat quota stir may go out of control BJP gives in to Jat quota stir, will introduce bill on OBC statusThen: India to Britain: Kohinoor diamond belongs to youNow: In U-turn Modi government, promises to to bring back KohinoorThen: India issues visa to Uyghur 'terrorist' Dolkun Isa; China angryNow: India takes U-turn, cancels visa given to Chinese dissidentIndia does a U-turn, cancels visa to Chinese dissident Dolkun IsaThen: Hurriyat has no place in talks with Pakistan, says IndiaNSA-level talks off: After war of words, India and Pakistan decide not to talkNow: Major change in ‘Pak policy’? Govt says no problem in Hurriyat talking to Islamabad Hurriyat are Indian Citizens, Can Meet Any Foreign Representative, Says GovtThen: BJP Had A Very Different View On Demonetisation In 2014How BJP had termed demonetisation as ‘anti-poor’ in 2014Call-back of notes will hit poor: BJP - The Times of IndiaDemonetisation volte-face by BJP, not a sudden move by Centre?Now: India scraps 500 and 1,000 rupee bank notes overnight - BBC NewsWay: BJP had proposed 100% FDI in 2002:Back: BJP admits it promised FDI in retail in 2004Then: Nirmala says no to FDI in multi-brand retail BJP not to support more FDI in insurance, pension sectorsWill oppose FDI till our last breath: BJPNow: Govt departs from BJP to let FDI stay in multi-brand retailModi signals BJP rethink on multi-brand retail FDIBJP may consider higher FDI in insurance, but not in retailBJP not against FDI in pension, insurance, wants to see fine print'Guj will be among the 1st to implement FDI in retail' - OpinionBJP To Welcome FDI In DefenceDifferent types of FDI will benefit within reason, at different points of time. Doggedly opposing just one (retail) kind shows there behavior is just "posturing" as they tried to topple the UPA twice. Congress accuses BJP of U-turns on poll promises, 180 days, 25 U-turns by Modi government: CongressThis is beside the fact that Gujarat repeatedly tooted it's own horn on MoUs on foreign investment at its Vibrant Gujarat Global Investor Summits (Gujarat, the gateway to India: fact or farce, How vibrant is the Gujarat growth story)

When starting a new business, it can be easy to become overwhelmed by the sheer number of tasks on your to-do list. To help you with the overwhelming workload, we’ve created this ultimate startup checklist.This list covers the most common things that entrepreneurs need to remember when starting their new businesses and are broken down into relevant categories.1. Validate Your Business IdeaIt is difficult to be sure that your great idea will transform into a successful business. Make sure there is a real need and plenty of people to benefit from your business. Here are a few ideas on how to do this:Talk to customersCollect customer feedbackResearch pricesTest your product out through trialsHow do you know if the idea is worth following during this time? Learn How to Tell Your Post-Coronavirus Business Idea is Worth Pursuing.2. Create Your SWOT AnalysisSWOT is an acronym for strengths, weaknesses, opportunities, and threats. This detailed brainstorming process is an excellent way of designing strategies to help your company succeed. You can view the details of a SWOT.Identify Your Business Strengths - Strengths refer to your company’s internal capabilities. You have control over your company’s strengths, such as employee skill, brand, resources, and capabilities.Recognize Your Business Weaknesses - Identify the company’s weaknesses. Once they are identified, you can work on improvements to strengthen your company.Find Business Opportunities - These are external factors that can be harnessed to make your startup successful. Opportunities can take any form. They can be potential improvements in technology, new business possibilities, and expansion ideas. It’s important to learn how to recognize then take advantage of these opportunities.Evaluate Threats - Threats are external factors or occurrences that might possibly damage your business. Examples of threats are competition from other companies, who could undercut your pricing strategy or being unable to obtain an adequate supply of your product. Threats are difficult to prevent, but you can have strategies to include them in your decision-making and analysis.3. Define Your Unique Selling PropositionCommonly known as your “USP,” your unique selling proposition is what makes your company unique and better than the competition. How will your startup stand out against your competitors? Having a great answer to this question can make or break your startup. Get started with this template for your SWOT analysis.4. Write Your Business PlanThink of your business plan as a roadmap that can help you structure, run, and grow a business. If you want to be successful, and especially if you plan to apply for business loans or attract investors, you will definitely need a solid business plan. Learn how to write a business plan.5. Build Your A-TeamIf all the signs are pointing to hiring a your first employee you’ll want to be sure to understand the new role in order to hire quality candidates. Get the Ultimate Guide to Hiring Quality Remote Workers.6. Define Your FundingAs with any new startup it’s vital to know how much money you will need to get the company functioning. Unless you have another source of income it’s important to weigh your funding options sooner than later.Research and Define Your Possible Funding Sources - This can take the form of investors, bank loans, or even your own savings. So, what other ways are there to secure the funding your startup needs?Loans for small businessTrade equity or servicesBootstrappingFamily and friendsAccelerator or incubatorCrowdfundingGrants for small businessesLocal contests or competitions7. Prepare Your Financial StatementsIt is critical to create a financial statement that includes the following parts.Startup budgetStartup costsSales forecastPro forma (projected) profit and loss statementPro forma (projected) balance sheetThese statements are necessary for lenders to be sure they can provide financial backing to your business. They demonstrate you have planned ahead for any outcome. They also show that you have an idea of where the profit will eventually come from, which is very important for startups.8. Create Your Business BrandThe effective use of branding will set your new business apart from your competition. Branding can mean the difference between a failed startup and a wildly successful one. You must connect with potential customers to draw them toward your product or service.Nail Your Content Messaging - content has many different forms to reach your customer. Your customer could convert from a website, landing page, cold call, email campaign or all the above. Make sure that your content conveys your solution clearly. Here are some resources to help you with content.How Effective Writing Can Increase Your Startup's Success9 Ways to Use a Customer Journey Map to Control Your Content MarketingWrite a Tagline - A tagline must achieve a number of objectives. It must be memorable to the customer and communicate the essence of your business in just a few words. It must grab the customer’s attention and make them understand what your business does. For example the tagline at VirtualPostMail is “We Scan Your US Postal Mail.You Read It Online. Anytime. Anywhere.” You know that it is a virtual mailbox service that scans your mail online and you can access it 24/7 with your account.Develop the “Voice” of your Brand - The “voice” of your brand is a important aspect of how your business communicates with its customers. For example your “voice” can be sarcastic, friendly, or goofy. Your brand “voice” will be conveyed in all channels that include the business’ online appearance, customer service interactions, and social media presence.Find Colors and Fonts for your Brand and Stick to Them - Colors and fonts are an integral part of your company’s brand and visual representation, make it consistent from print to online mediums.Make a Logo - A logo is another vital tool for establishing your brand. Logos can create instant recognition in your customer’s mind. For example Starbucks recently removed the name from their branding so that only their logo is used. This is clearly a testament to the effectiveness of their logo.9. Determine Your Business LocationYour business location matters! It can affect your taxes and how you operate your business. That’s why it’s critical to determine your long term business goals.The most popular states most startups consider are Delaware and Nevada, due to a business-friendly climate that benefits entrepreneurs in a number of ways. Learn more about the Top States to Form Your LLC: Delaware and Nevada.If you already have an interest in Delaware, Nevada, and California check out these resources.Delaware6 Reasons You Should Form Your Next Business in Delaware4 Steps to Setting Up a Delaware LLC6 Steps To Prepare A Certificate of Formation for a Delaware LLC5 Benefits You'll Get With Your Delaware Virtual MailboxNevada5 Reasons Why You Should Have a Nevada LLC6 Steps to Forming an LLC in NevadaCalifornia5 Steps to Setting Up an LLC in CaliforniaYou might also want to incorporate a business out-of-state to expand the business, protect privacy, and find better investment opportunities. Before you do so, it’s important to understand the requirements involved because it might not be worth the cost. Learn about When to Register a Business Out-of-State.10. Find Your Business AddressWhether you are setting up a brick-and-mortar business or prefer to be based online, every company needs to register a business address. Here are some points to think about when deciding on your business address.Commercial Office - This option provides your company with a real physical office location for your business. This is a good choice for those businesses that want to have in-house employees and accommodate walk-in customers. It can be an expensive option, however, and can quickly drain money from a business if the location choice is not suitable.Research what’s available, and think hard about your needs. Some examples of physical spaces include business parks, industrial parks, and commercial office buildings. For further information check out What Types of Commercial Spaces Can You Use for Your Business.Virtual Office - Virtual offices are becoming increasingly popular in the age of remote work. They provide some of the benefits of office spaces, while still allowing employees to work remotely and collaboratively.Virtual offices also offer office-based functions, including mail receiving services, receptionist services, meeting spaces, and private offices. It might not always be the best office solution for a startup so check out How a Virtual Mailbox is Different From a Virtual Office.Coworking Spaces - Due to the collaborative nature of many startups, coworking spaces are often a popular option. They are a good solution for those who are looking for physical workspaces, but don’t have the budget to rent out a full office space. They are frequently offered for short term lease and provide similar benefits to a traditional office.Prices for these vary, but for most coworking spaces, you can usually expect high-speed internet, breakout rooms, meeting spaces. If you want the ability to maintain a permanent business address while traveling and working anywhere get the best of both worlds and learn the Three Benefits of Combining a Coworking Space and a Virtual Mailbox.Home Address - One of the easiest and most common address options for your startup is to use your home address. It costs nothing, there is no commute, and you can maintain flexible work hours.WARNING! You do have a higher risk of exposing your personal information when you use your home address. Do you really want angry customers knocking on your door? If you want to give a little cushion room between your home address and the world read How to Maintain Privacy Protection with Your Home Address for Your Business.However, using a home address only works for those who are selling their time such as freelancers or consultants. Many businesses that sell actual products will not be seen as valid or credible if they are registered under a home address.This can even be illegal in some cases, so it is important to research this beforehand. Plus, to protect your personal and business liabilities be sure to learn the 5 Benefits of Incorporating Your Home-Based Business.Virtual Mailbox - Virtual mailboxes are an increasingly popular way for startups to maintain a legitimate physical mailing address without needing to rent a whole office space. Protect your privacy (if you use your home address) and get a professional business image too! Use the virtual address to register your LLC or corporation.A virtual mailbox scans your mail and sends it to your virtual mailbox account, allowing you to keep all your mail - digital and physical - in one place. Some other great benefits of virtual mailboxes include real-time notifications, mail forwarding, package forwarding, mail shredding, and check depositing.To learn more about virtual mailboxes view these resources:What is A Business AddressWhy You Need a Business Address for Your LLC or CorporationWhy You Need a Virtual Mailbox with a Commercial Street AddressHow a Virtual Mailbox Compares to Other AddressesThe Ultimate Guide to a Virtual MailboxVirtual Mailbox Service Reviews4 Benefits of a Virtual Business Address8 Benefits of a Virtual Mailbox For Your Business7 Ways VirtualPostMail Can Help Your Remote Business4 Reasons to Choose VPM for Your Virtual Mailbox5 Ways to Get a Business Address for Your Startup4 Reasons to Get a Virtual Mailbox11. Legalize Your BusinessOnce the foundation of your business is established, it’s time to legally formalize your startup, i.e. decide if you want to register as a LLC, corporation, or partnership.If you’re uncertain on deciding the business entity type it’s recommended to meet with your accountant or attorney, but before you do that learn about the differences between the various options.C Corporation - C corporations are seen as independent legal and tax entities from the owner of the company. This type of corporation is a great way of keeping the assets of the business and business owners separate. That way, the owner or owners cannot be held liable for any debt incurred by the corporation itself.C corporations can have any number of shareholders. They then elect a board of directors, who then assign a CEO. It is expected that meetings are held annually.C corporations are taxed separately from the owners. These owners then pay another tax on any dividends that are distributed by the corporation. This is known as “double taxation”.S Corporation - This is the name given to any corporation that operates under subchapter S of the IRS code. Like any corporation, they file the Articles of Incorporation with the Secretary of State in order to incorporate themselves. They then select directors and officers to oversee the company. Finally, they file with the IRS in order to be treated as an S Corp.The treatment for an S Corp is similar to a C Corp. This means that it is technically an independent legal and tax entity, separate from the owners. This helps keep your private assets and debts separate from your corporate ones.However, in S corporations, owners report their share of profit and loss on the company’s tax returns. There is also no taxation at the corporate level, as profits and losses move through individual shareholders. These are then reported on those tax returns.In S Corporations, there are certain limits on how many shareholders are permitted. These shareholders are required by law to be US citizens or residents.Limited Liability Corporation (LLC) - This type of company is a kind of hybrid organization. It has characteristics of a corporation, a sole proprietorship, and a general partnership. It also offers certain tax advantages that are similar to those of a non-corporate structure.Similar to C and S corporations, LLCs are treated as a legal structure that is independent of the owners. This means that the owner or owners are not responsible for any debt incurred by the LLC. LLCs are also taxed in a way that is similar to sole proprietorships if there is one owner. If there is more than one owner, however, it will be taxed as a partnership. If there are multiple owners, LLCs can also be taxed as either a C corporation or an S corporation.There are no limits to how many owners an LLC can have. In LLCs, the operations of the business are controlled by operating agreements, and the organization must also have Articles of Organization in place in order to register as an LLC.General Partnership and Sole Proprietorship - These two types of businesses are very similar in structure and mainly differ in the number of owners.Sole proprietorships, as the name suggests, have one owner. General partnerships, on the other hand, can have multiple owners. There is no requirement to file official paperwork with the State, so this is one of the easiest business types to set up.However, the owner is personally responsible for any legal issues the company may experience. Also, they are personally liable for reporting profits and losses on their own tax returns.12. Register the Name of Your BusinessThis is an important step in legalizing and formalizing your business. It solidifies and consolidates the identity of your business in the marketplace.There are a number of ways to register your chosen business name. These include:Registering the structure of your business and continuing under that name. This secures the use of that name and makes it yours.Apply for a “DBA”. This stands for “doing business as,” and gives your business a name to operate under.Trademark the name of your business. This can be done at both the State and national level. This is the most expensive option and takes longer than the other choices.13. Choose Your Registered AgentMost states require a registered agent, also known as a statutory agent. This is someone who receives lawsuits, subpoenas, and other official communications on behalf of your company.The benefits of having a registered agent service are numerous. You will never miss an important communication or document, and it will keep a distance between your clients and documents you prefer to remain private. Also, if your business changes address, you can continue to use the same registered agent, as their address would remain the same.Further information can be found about registered agents below:Why a Registered Agent is Needed for an LLC or CorporationThe Difference Between a Registered Agent and a Business Address9 Reasons to Use a Registered Agent Service8 Reasons to Use a Virtual Mailbox With Your Registered Agent Service14. Obtain the Proper Licenses and PermitsYour state and county websites will list the types of permits or licenses you need for your industry specific requirements.Federal Licenses and Permits - Most businesses do not need a Federal license or permit, but if your industry is regulated at the federal level, then you likely will require one. Check with your federal agency if your business requires this and how to apply.State Licenses and Permits - The required business licenses depend on where you are and what your business does and the fees vary. Usually, states regulate more activities than the federal government.Local Licenses and Permits - The local licenses and permits depend on where you are based and your business type. Businesses that are run from home usually need permission to perform these activities in a residential zone.15. Apply for Your Employer Identification Number (EIN)This unique nine-digit number is required for all businesses operating in the United States. An EIN is vital for startups for many reasons. Some examples an EIN is critical are for:Opening bank accountsReceiving loansHiring employeesBuilding up business creditRegistering a LLC or CorporationYour EIN is a means of keeping yourself separate from the business. This means that you will never need to give out your social security number.There are a variety of ways to apply for an EIN.Online: You can apply for the SS-4 online and obtain an EIN number immediatelyMail: Simply print out an SS-4 application form, fill it out, scan it, and send it to the appropriate office in the IRSPhone: Simply call the number (800) 829-4933 to applyFax: Similar to the online option, simply fill out the SS-4 form, and fax it to your state fax number16. Open a Bank Account for Your BusinessOpening a business bank account is one of the most important things you can do when starting a business. A business bank account protects both your personal and business finances. It also simplifies the organizational aspects of business, including recording expenses, reporting taxes, and making deposit payments in the name of your company.Many use their personal bank accounts for their business, especially at the beginning. This can present difficulties later, especially if this practice is maintained for longer than it should be.IMPORTANT! An increasing trend to note when opening your business bank account is the proof of address. Banks are sweeping their databases to verify that physical addresses are real physical addresses. Mailbox addresses, PO Boxes, and registered agent addresses are not allowed. Learn what physical addresses are accepted to open your business bank account.17. Register Your Web DomainIn the digital marketplace, having the right domain name is almost as important as having the right business name. Not only will it be how your potential customers navigate to your online space, but will also represent your brand.It’s also best to keep the domain name as closely related to the actual business name as possible. For example, if your business is called “Sandwich Shack”, and your domain is called “http://www.welovesandwich.com”, it waters down your brand.18. Design Your WebsiteAn online presence is vital for your startup. The best advice to keep in mind when designing your website is to make it colorful, aesthetically pleasing, and simple. Visuals are vital!If you are not a naturally gifted graphic designer, and you don’t have the budget to hire one, there are multiple tools available to help you. Here is a shortlist of some of the best:WordPressWixWebflowShopify19. Plan Your Sales and Marketing StrategyA sales and marketing strategy are important to learn how you’ll get and retain customers with your product and services. Creating a product doesn’t just do the trick. Here are some tips for creating your sales and marketing strategy:A goal overview including advertising and marketing goalsMake it clear why your company is different from (and better than!) your competitionCreate a detailed timeline for everything that needs to be done for both short and long termCheck Key Performance Indicators (KPIs) to better understand your strategiesDeveloping a marketing plan will give you a clear guide on what steps are needed to build your customer base. The plan should cover what you will do each month, quarter or year. Here are some common types of marketing plans:Paid Marketing Plan - Paid marketing will include re-marketing, affiliate marketing, video advertising, display advertising, pay per click (PPC), native advertising, and search engine marketing (SEM).Social Media Marketing Plan - This plan should define which social media channels you are going to use and explain your tactics and what you will accomplish in content and messaging on each social media channel. Also, define the metrics you will measure for social media such as number of followers, comments, and likes.Content Marketing Plan - This is a strategic marketing approach focused on creating and distributing valuable, relevant, and consistent content to attract and retain a clearly defined audience. We recommend using a content calendar in order to plan your posts around topics, holidays, giveaways, contests, articles, and other original pieces.Want more inspiration? Check out the 14 Best Low-Budget/Free Marketing Ideas for Small Business.20. Deploy Effective Business ToolsIt is essential that you have the right tools and infrastructure in place to keep workflows and channels of communication open and optimized. There are tools available to enhance productivity and the quality of work in your team.Tools to Use to Run a Remote Business35 Helpful Remote Work Tools For Your Business31 Remote Tools to Run Your Law Firm28 Remote Tools to Run Your Accounting FirmTop SEO Audit Tools21. Hire Freelancers and VendorsMany businesses rely on third-party workers, such as contractors and freelancers and it’s important to get help if you need it.Vendors are an important aspect of any successful startup or small business. Their main role is to provide all the necessary resources. Their knowledge and experience can also be very beneficial.Suppliers also provide great benefits, primarily in their ability to source great products and items. Maintaining a good relationship with both vendors and suppliers is important.22. Locate ProfessionalsStarting a new business involves many legal decisions. It is advisable to find and hire professionals in legal affairs to help navigate through these many documents and decisions.For example, hiring an attorney or legal advisor can be invaluable when negotiating your way through the initial legalities of beginning your startup. The short-term cost of this is often worth it. Usually, these professionals will agree to a deferred payment. They will ensure your compliance with all the relevant laws, leaving you to focus on the business itself.An accountant can also be an asset to your fledgling company. A good accountant can help with all the financial complexities of running a business.Your Business Startup is Ready to Go!If you follow these steps, you’ll have your startup ready to launch in no time! There is much to consider, but with an organized approach and a great idea backed by passion and hard work, you should succeed.Remember that it’s impossible to start a business without a registered agent. States require one when you officially register your business.At VirtualPostMail, we offer a free registered agent service. Combine a registered agent with a fantastic virtual mailbox, and reap the benefits of an address with which you can list a registered agent, while also managing all of your mail from one place.