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Testimony of Dr. Serinivas Bhattacharya-English/Tamil

What is my strength? “Job 6:11 What is my strength, that I should hope? and what is mine end, that I should prolong my life? 1 12. Is my strength the strength of stones? or is my flesh of brass? 1 Corinthaians 15: 10.But by the grace of God I am what I am: and his grace which was bestowed upon me was not in vain; but I laboured more abundantly than they all: yet not I, but the grace of God which was with me. 2 Cori 12: 9. And he said unto me, My grace is sufficient for thee: for my strength is made perfect in weakness. Most gladly therefore will I rather glory in my infirmities, that the power of Christ may rest upon me. 10. Therefore I take pleasure in infirmities, in reproaches, in necessities, in persecutions, in distresses for Christ's sake: for when I am weak, then am I strong. 2 Samu 33: 33. God is my strength and power: and he maketh my way perfect. 34. He maketh my feet like hinds' feet: and setteth me upon my high places. Phil 4: 6. Be careful for nothing; but in every thing by prayer and supplication with thanksgiving let your requests be made known unto God. 7. And the peace of God, which passeth all understanding, shall keep your hearts and minds through Christ Jesus. 1 Timothy 6: 6. But godliness with contentment is great gain. 7. For we 10 brought nothing into this world, and it is certain we can carry nothing out. 8. And having food and raiment let us be therewith content. On 22nd july at 3:30 Am when I came out of the bath room I slipped and fell on the floor with a little damage to my knee and ankle. It is miracle this is the fourth time since 2009. While falling down flat on the floor without any major problem. I am 115 Kg Weight and 6’2” height and dohave varicose vein problem. I am diabetic. With all ailments. High cholesterol, Fatty liver, Hipper tension Nasal block (sinus) I do run a factory with all difficulties as a proprietor with cut throat competition. I have finished my basic worldly duties of getting married my three children with all this sickness and financial difficulties and constraints. I am sixty six and for my weight and height balancing is very difficult . Some time year before last year I met similar accident. Unfortunately the same time my friend also fall flat while coming out of the bath room. Hit on the ground and no more. I am so lucky all I have the blessings of 15 deceases. Now probably even today 6 out of it. Diabetics, Fatty Liver, Vericose vein, Sinus, Cloistral Hip pain, eye problem and so on. With all this I am not worried that is my strength. Why I should worry because My Living God and Saviour Jesus Christ Allowed all this to strengthen me. I am not tired of it. I am with Him and He Gives me strength to bear these problems. If I fear for these little discomforts I will be listed among the People who lost their lifes. I am happy working among the poor that too with gypsies. I work for their uplift and God My Living Saviour take care of me and all my problems. Romer 5: 1. Therefore being justified by faith, we have peace with God through our Lord Jesus Christ: 2. By whom also we have access by faith into this grace wherein we stand, and rejoice in hope of the glory of God. 3. And not only so, but we glory in tribulations also: knowing that tribulation worketh patience; 4. And patience, experience; and experience, hope: Isa 38: 16. O Lord, by these things men live, and in all these things is the life of my spirit: so wilt thou recover me, and make me to live. Romer 8: 26. Likewise the Spirit also helpeth our infirmities: for we know not what we should pray for as we ought: but the Spirit itself maketh intercession for us with groanings which cannot be uttered. 27. And he that searcheth the hearts knoweth what is the mind of the Spirit, because he maketh intercession for the saints according to the will of God. 11 Ps. 18: I will love thee, O LORD, my strength.exodus 15: 2. The LORD is my strength and song, and he is become my salvation: he is my God, and I will prepare him an habitation; my father's God, and I will exalt him. Ps 118: 14. The LORD is my strength and song, and is become my salvation. Ps 138: 3. In the day when I cried thou answeredst me, and strengthenedst me with strength in my soul. Habakkuk 3: 19. The LORD God is my strength, and he will make my feet like hinds' feet, and he will make me to walk upon mine high places. To the chief singer on my stringed instruments. Rev 3: 8. I know thy works: behold, I have set before thee an open door, and no man can shut it: for thou hast a little strength, and hast kept my word, and hast not denied my name. Phil 4: 13. I can do all things through Christ which strengtheneth me. Phi 4: 6. Be careful for nothing; but in every thing by prayer and supplication with thanksgiving let your requests be made known unto God. 7. And the peace of God, which passeth all understanding, shall keep your hearts and minds through Christ Jesus. 1 Thimo 6: 6. But godliness with contentment is great gain. 7. For we brought nothing into this world, and it is certain we can carry nothing out. 8. And having food and raiment let us be therewith content. Ps 28: 6. Blessed be the LORD, because he hath heard the voice of my supplications. 7. The LORD is my strength and my shield; my heart trusted in him, and I am helped: therefore my heart greatly rejoiceth; and with my song will I praise him. “Job 6:11 What is my strength, that I should hope? and what is mine end, that I should prolong my life? 1 12. Is my strength the strength of stones? or is my flesh of brass? 1 Corinthaians 15: 10.But by the grace of God I am what I am: and his grace which was bestowed upon me was not in vain; but I laboured more abundantly than they all: yet not I, but the grace of God which was with me. Exodus 15:2. The LORD is my strength and song, and he is become my salvation: he is my God, and I will prepare him an habitation; my father's God, and I will exalt him. Exodus 23:25. And ye shall serve the LORD your God, and he shall bless thy bread, and thy water; and I will take sickness away from the midst of thee. 26. There shall nothing cast their young, nor be barren, in thy 12 land: the number of thy days I will fulfill. Due 7:15. And the LORD will take away from thee all sickness,” I Praise our Living God and Saviour of the world Lord Jesus Christ for He is merciful to me and has given the power to with stand the body problems I am facing from time to time. Yes body problem means sickness. A person with sickness die soon if he feel sick of the sickness. But if we request for the power of God to with stand any sickness we can victoriously over come any of our body problems. Whenever we are sick we should not be afraid “John 11:4 When Jesus heard that, he said, This sickness is not unto death, but for the glory of God, that the Son of God might be glorified thereby. Isa 33:24. And the inhabitant shall not say, I am sick: the people that dwell therein shall be forgiven their iniquity.” “Due 33:25. Thy shoes shall be iron and brass; and as thy days, so shall thy strength be.” Because of His Divine gift of extra strength I am happy from my childhood days. At my childhood days I fell sick with (1)“Rickets” my left hand in slight twist state. I had been to Doctor. Brand of C.M.C. He advised me to get operated in two joints. Recently I was told as far as hand is concerned these joint operations are not very successful. He told me that as I grow the left hand will cripple. And politely asked me are you happy with a cripple hand. I told him the sickness has been allowed by God so if it is His will I am happy so I do not want any operation. My parents were very much upset and worried. They used to purchase the oil prepared from Tigers fat and apply on my left hand. Till date unless I show both the hands no one will be able to notice the difference in my hands. All praise to Him for he has protected me so far. “2 Samuel 22: 47: The LORD liveth; and blessed be my rock; and exalted be the God of the rock of my salvation.” Then in my childhood I suffered with (2) skin allergy with sores (all over my body) from my head to toe and my Eldest Sister Grace only have the mind to apply ointment and used take me to the hospital regularly and by His Grace I got completely cured. My mother 13 Josephine used to pray and asked me to say by His stirpes I am healed. “Isa 1:6 From the sole of the foot even unto the head there is no soundness in it; but wounds, and bruises, and putrifying sores: they have not been closed, neither bound up, neither mollified with ointment.” “1 Chronicle 29: 13. Now therefore, our God, we thank thee, and praise thy glorious name.” I Prayed to God every day for all my sickness. I used to write all my prayer request in a piece of paper in my bible and repeatedly prayed to Him for His mercy. “1 Chronicle 16:11. Seek the LORD and his strength, seek his face continually.27. Glory and honour are in his presence; strength and gladness are in his place.28. Give unto the LORD, ye kindreds of the people, give unto the LORD glory and strength. 34. O give thanks unto the LORD; for he is good; for his mercy endureth for ever. 1 Chronicle 29:12 Both riches and honour come of thee, and thou reignest over all; and in thine hand is power and might; and in thine hand it is to make great, and to give strength unto all.” Sickness comes now and then even it stays and one should be afraid of sickness. We always want to be hale and healthy and at the time of sickness we should not lose hope. “Proverb 13:12 Hope deferred maketh the heart sick: but when the desire cometh, it is a tree of life.” When we are affected by sickness just we have to sacrifice some of the much tasty things we enjoyed as advised and we will be able to overcome the wrath of sickness. “Ecc 5:17. All his days also he eateth in darkness, and he hath much sorrow and wrath with his sickness.” In my boyhood when I was studying in a High School I was affected with severe (3) sinus accompanied by severe headache. I got my self accustomed to it. Severe (4) headache completely stopped. Every thing with prayer. Even now occasionally I get sinus but there is no problem for me. I was affected by( 5)small pox and I donot have any small mole in that experience. Twice I got (6)Typhoid at that stage my father came to Coimbatore and taken care of me which I cannot forget and my living God saved me. “Ps. 41:3 The LORD will 14 strengthen him upon the bed of languishing: thou wilt make all his bed in his sickness.” (7)Grey hair started at the age of 18 years. When I was affected by (8) peptic ulcer at 22 years the doctor asked me so many Questions. Whether I used to smoke or drink I was not perturbed. Till date no ulcer problem. I thank God for the same. I got (6) vericose vain problem in my legs at the age of 30 but there was no pain till date. “2 Samuel 22:33 God is my strength and power: and he maketh my way perfect. 34. He maketh my feet like hinds' feet: and setteth me upon my high places. 37. Thou hast enlarged my steps under me; so that my feet did not slip. 2 timothy 1:7 For God hath not given us the spirit of fear; but of power, and of love, and of a sound mind. 8. Be not thou therefore ashamed of the testimony of our Lord, nor of me his prisoner: but be thou partaker of the afflictions of the gospel according to the power of God;” I got (9) back pain at the age of 40 but with small exercise I over come that problem. At the age of 45 I became (10) diabetic and used to tell my congregation that once we get this specific problem we should understand that we are wedded to diabetics and we should not be discouraged. The blood sugar level reached even up to 516 but I never fainted. People said it will lead to coma stage Just I changed my eating habits. Now I am able to maintain the normal level. My (11) triglyceride shoot up to 400 level till date I am able to survive. Now in the year 2012 I have completed my worldly duties as a father of three children. All of them got married I have the blessing of playing with my grand son. When all my brother’s & sisters were wearing Spectacles from their early stage I started wearing glasses only at the age of 47 till that time I was able to see even the smallest letters in wrist watch. God has Wonderfully maintained my (12) eyesight. I have (13) numbness in my legs, numbness in left hand small finger. Now I have some unusual pulling in my Legs. Doctor said no problem asked me to takes vitamins. I am blessed in the extra (14) teeth but only recently I got some removed and filled. Recently Doctor found there is some problem in the (15) Knee Joint. I donot have any pain or discomfort out of it. Now I am 66 age of Senior Citizens. 15 (16)Now diagonised having fatty lever problem. I never took alcohol then it may be triglyceride yes I have triglyceride for more than 25 years. Fatty liver, also known as fatty liver disease (FLD), is a reversible condition where large vacuoles of triglyceride fat accumulate in liver cells via the process of steatosis (i.e. abnormal retention of lipids within a cell). Despite having multiple causes, fatty liver can be considered a single disease that occurs worldwide in those with excessive alcohol intake and those who are obese (with or without effects of insulin resistance). The condition is also associated with other diseases that influence fat metabolism.[1] Morphologically, it is difficult to distinguish alcoholic FLD from nonalcoholic FLD, and both show microvesicular and macrovesicular fatty changes at different stages. I am happy with all discomforts in my body as God has given me strength to with stand the body problems. 1 Corinthian 12: 9. And he said unto me, My grace is sufficient for thee: for my strength is made perfect in weakness. Most gladly therefore will I rather glory in my infirmities, that the power of Christ may rest upon me. 10. Therefore I take pleasure in infirmities, in reproaches, in necessities, in persecutions, in distresses for Christ's sake: for when I am weak, then am I strong. With all this I am not having hypertension and am having good peaceful sleep at nights. I thank Him and praise Him. I had bitter experience escape from death which narrated earlier. Fortunate escape from the fall in the stair case during rainy season. Recently fan wings hit right hand my ring on the finger and fall of fan slipped from the stool kept near my bed. On 12-11-2010 Big fall in front of bathroom on the tiled flooring and fell with twitsted left leg but nothing happened except little pain .My eldest daughter came for help. I Praise Him hallelujah. “Ps 91:15. He shall call upon me, and I will answer him: I will be with him in trouble; I will deliver him, and honour him.” For the third time 22nd July 2012 slipped in front of bathroom on the tiled flooring at 3.30 A.M. Miraculously I Escaped major mishap with twisted Left knee and ankle which God my Saviour saved me from fatality. Ps. 73: 2. But as for me, my feet were almost gone; my steps had well nigh slipped. 18: 36. Thou hast enlarged my steps under me, that my feet did not slip. Fourth time on 28-11-2012 when when I tried to come down in the staire case after switching in the inverter at about 1:30 PM instead of stepping on the next step I over stepped and fall flat in front of my house door. My Daughter in law helped me. Miraculously I escaped. All Praise to our Lord Jesus Christ the Saviour of the world. The whole body weight of 115 Kgs fell on the left leg forefinger nothing happened just little pain. For the fith time On 6h June 2013 While coming down from the 16 staircase on a rainy day I slipped I could not wake up my son came and helped. tpahjp vz; 16: FATY Lever. triglyceride Now diagonised having fatty lever problem. I never took alcohol then it may be triglyceride yes I have triglyceride for more than 25 years. Fatty liver, also known as fatty liver disease (FLD), is a reversible condition where large vacuoles of triglyceride fat accumulate in liver cells via the process of steatosis (i.e. abnormal retention of lipids within a cell). Despite having multiple causes, fatty liver can be considered a single disease that occurs worldwide in those with excessive alcohol intake and those who are obese (with or without effects of insulin resistance). The condition is also associated with other diseases that influence fat metabolism.[1] Morphologically, it is difficult to distinguish alcoholic FLD from nonalcoholic FLD, and both show microvesicular and macrovesicular fatty changes at different stages. “1 peter 1:5. Who are kept by the power of God through faith unto salvation ready to be revealed in the last time. 6. Wherein ye greatly rejoice, though now for a season, if need be, ye are in heaviness through manifold temptations: Ps 37:5. Commit thy way unto the LORD; trust also in him; and he shall bring it to pass.” When we accept Jesus Christ as our saviour we are His believers and He gives us the extra strength and power to overcome all our sickness, “ Ephisians 1:12. That we should be to the praise of his glory, who first trusted in Christ. 13. In whom ye also trusted, after that ye heard the word of truth, the gospel of your salvation: in whom also after that ye believed, ye were sealed with that holy Spirit of promise, 14. Which is the earnest of our inheritance until the redemption of the purchased possession, unto the praise of his glory. John 24:5. Verily, verily, I say unto you, He that heareth my word, and believeth on him that sent me, hath everlasting life, and shall not come into condemnation; but is passed from death unto life. John 16:24. Hitherto have ye asked nothing in my name: ask, and ye shall receive, that your joy may be full. We have to ask with our humble prayers and He will answer our prayers Mathew 10:8. Heal the sick, cleanse the lepers, raise the dead, cast out devils: freely ye have received, freely give. Luke 10:9. And heal the sick that are therein, and say unto them, The kingdom of God is come nigh unto you. James 5:14. This sickness. 15. And the prayer of faith shall save the sick, and the Lord shall raise him up; and if he have committed sins, they shall be forgiven him. 16. Confess your faults one to another, and pray one for another, that ye may be healed. The effectual fervent prayer of a righteous man availeth much.” It is very hard to live among the jealous Society as god bless us they become very 17 harsh towards us I have learnt this in my life. One way they envy our Growth. What ever they have they are not satisfied as written in bible Heb 13: 5. Let your conversation be without covetousness; and be content with such things as ye have: for he hath said, I will never leave thee, nor forsake thee. 7. Remember them which have the rule over you, who have spoken unto you the word of God: whose faith follow, considering the end of their conversation “Mathew 10:1. And when he had called unto him his twelve disciples, he gave them power against unclean spirits, to cast them out, and to heal all manner of sickness and all manner of disease. Regarding my financial strength I used to fight for my living. God has provided me some talent with which I tried to manage even some unimaginable things with His Divine Grace. As a small Scale Industrialist without any basic knowledge I entered in to the Engineering field. I have been recognised as a Electrical and Electronics Instrument manufacturer. Then I have done some basic work for the Boat manufacturing Industry. The Fishing Food Preservation Industry. I have worked for the Neyvelly mining Industry. I have associated with the Teleprinter industry. With Research institutions like Indian Institute of Technology, Finally with The Indian Space research Organisation. A Person has been elevated to a high esteem by His Grace. What else we need in the little time given by our Lord Jesus Christ the Saviour of the World. With my small earnings I was able to purchase some plots helping people. It has helped a lot during my full-fledged involvement in the Mosjos Mission Ministry, Church planting, Tracts distribution, Printing books, writing messages purely from the bible verses. Rev 2: 26. And he that over cometh, and keepeth my works unto the end, to him will I give power over the nations: Due 16:11. And thou shalt rejoice before the LORD thy God, thou, and thy son, and thy daughter, and thy manservant, and thy maidservant, and the Levite that is within thy gates, and the stranger, 18 and the fatherless, and the widow, that are among you, in the place which the LORD thy God hath chosen to place his name there.”Heb 11: 6. But without faith it is impossible to please him: for he that cometh to God must believe that he is, and that he is a rewarder of them that diligently seek him. Philip 4: 13 I can do all things through Christ which strengthen me. 14. Notwithstanding ye have well done, that ye did communicate with my affliction. Heb 13:15. By him therefore let us offer the sacrifice of praise to God continually, that is, the fruit of our lips giving thanks to his name. 2:12. Saying, I will declare thy name unto my brethren, in the midst of the church will I sing praise unto thee. Romer 15:11. And again, Praise the Lord, all ye Gentiles; and laud him, all ye people. Ps 41:3 The LORD will strengthen him upon the bed of languishing: thou wilt make all his bed in his sickness. 2. The LORD will preserve him, and keep him alive; and he shall be blessed upon the earth: and thou wilt not deliver him unto the will of his enemies. 66:20. Blessed be God, which hath not turned away my prayer, nor his mercy from me. 28:6. Blessed be the LORD, because he hath heard the voice of my supplications. 7. The LORD is my strength and my shield; my heart trusted in him, and I am helped: therefore my heart greatly rejoiceth; and with my song will I praise him. Heb 10: 31. It is a fearful thing to fall into the hands of the living God. 32. But call to remembrance the former days, in which, after ye were illuminated, ye endured a great fight of afflictions; 33. Partly, whilst ye were made a gazingstock both by reproaches and afflictions; and partly, whilst ye became companions of them that were so used. 34. For ye had compassion of me in my bonds, and took joyfully the spoiling of your goods, knowing in yourselves that ye have in heaven a better and an enduring substance. 35. Cast not away therefore your confidence, which hath great recompence of reward. Testimoney: Ps 18: I will love thee, O LORD, my strength. Ps 34: I will bless the LORD at all times: his praise shall continually be in my mouth. On 01-08-2013 I took my only grandson Joshua to my factory . Around 11:30 A.M. while I was reading a book my grandson was trying to switch on the Fan in the car. I had not noticed that, suddenly thick black Smoke surrounded me the suffocation is such I thought something happened outside not realizing that it was inside the car. My grandson cried I took him and held him tightly. I called for my Son Ebby’s help but he couldnot hear my voice because of the sound from the drilling and grinding machine. I noticed a Spark slowy brightening then only I was able to understand that there was some short circuit. I tried to remove the fan because the wire started becoming redhot. Somehow I tried to snatch the wire and my left hand touched the wire and got burnt. By His diving grace the supply to the wire stopped. In the meantime 3 feet length upholstery of 19 the car got burnt. It might be a big accident had the fire extended to the fabric cushioning in the upholstery, but God saved my 2 year old beloved grandson Joshua without any scratch, I had a small scar on the hand. On this fifthday of the incident I am happy as a Sugar patient that nothing happened and the wound is clear without any puss or other. 2 cori 1: 10. Who delivered us from so great a death, and doth deliver: in whom we trust that he will yet deliver us; he delivered me, because he delighted in me 2 Sam 22: 17. He sent from above, he took me; he drew me out of many waters; 18. He delivered me from my strong enemy, and from them that hated me: for they were too strong for me. 19. They prevented me in the day of my calamity: but the LORD was my stay. 20. He brought me forth also into a large place: he delivered me, because he delighted in me. 21. The LORD rewarded me according to my righteousness: according to the cleanness of my hands hath he recompensed me. 22. For I have kept the ways of the LORD, and have not wickedly departed from my God. 23. For all his judgments were before me: and as for his statutes, I did not depart from them. 24. I was also upright before him, and have kept myself from mine iniquity. 25. Therefore the LORD hath recompensed me according to my righteousness; according to my cleanness in his eye sight. Ps 18:46. The LORD liveth; and blessed be my rock; and let the God of my salvation be exalted. 72: 18. Blessed be the LORD God, the God of Israel, who only doeth wondrous things. 19. And blessed be his glorious name for ever: and let the whole earth be filled with his glory; Amen, and Amen. 41:13. Blessed be the LORD God of Israel from everlasting, and to everlasting. Amen, and Amen. Our Lord Jesus Christ’s teachings of Christian love removes the basic disorder of discrimination among the people and leads to one Society no bar between high and the low in caste and creed. Keeping in I have set my mind to forget everything and to sit in a untidy place among the poor uncared people of the society. A humble request to you. Please & please forward this Bible Verses message to as many people as possible Message of Bible verses Prepared by Rev. Moses Justin Nirmal Kumar, Mosjos Mission Church, 456/16. Moses Avenue, First Main Road, 20 Thiruvanmiyur.Madras 600041. Tamilnadu. India.Mosjos mission working among the poorest of the uncared poor people of the society.. Released on 22-07-2012 :

My Government Most Honoured and Revered Sir We the volunteers associated with and the Board of Trustees of the Mosjos Health Care Research Foundation and Charitable Trust, Madras feel it a great honour to write You Our Beloved Prime Minister of India . I am an ordinary Senior Citizen aged 68 years. I am a Social worker in Mosjos Healthcare Research Foundation and Charitable Trust working among the poorest of the poor, Gypsies, Daliths, and underprivileged people. I am a Christian serving as a pastor of Mosjos Mission Church in the Mighty Kingdom of Lord Jesus Christ. Basically it is not right for the Government or political parties interfering in the faith of the people of a secular country. There should not be any force against any faith. A such I humbly suggest as a popular government please respect all faiths and avoid interfering in the religious activities. People have real faith in the Name Modi (not in the party affiliated ) as a Protector of the country and the citizens in India and abroad. 1. How to maintain the Popularity. Do not get a bad name in protecting the interests of the Wealthy. Help the deserving people of the society and not the effluent people. Try to bring new schemes for the Poor and downtrodden. 2. Try to interact with the ordinary people (the popularity of MGR). 3. Giving promises is easy fulfilling the promises is best way to maintain the popularity. 4. Love should be the basic of the Government that means the Government workers should be polite and love the people their intentions should be to serve the people and not the authority. A. The Government should provide the people their basic needs. B. Food is the basic need of any citizen As such the RATION CARD Provided by the Government should reach every family whether rich or poor and a must as a real identity of a Family. Duplication of the Ration card has to be checked. Ration card should be issued as soon as the marriage registration certificate is issued. Marriage registration should be a must for a Family card. Adding a family member should be made easier once the birth certificate issued they should be automatically included in the ration card. Till such time the people know that the birth of a person should be registered compulsorily some concession should be maintained. For example an ordinary illiterate Gypsy woman does not know how to add additions to the Ration card. She gave birth to a child in the house and she does not know that birth certificate is essential. But when the School authorities insist for the birth certificate then only they understand the reality. In the other case the School authorities showing the rule ask the party to show the name of the child in the ration card so as to write the 10th Government Exam. The Gypsy does not know the rules and when they approach the Ration authority in spite of submitting the community certificate, Bonafide certificate of the School, Sworn affidavit of a notary they simply reject the application saying the birth certificate should be produced to add the name of the child in the ration card. Educating a Gypsy Child itself is a marathon effort when the ration card authority rejects their request how the child will be able to write the 10th exam. Knowing all these, the People working in the government are not people friendly. I will continue to write the People friendly implementations and necessities again. C. Regarding Citizen BanK / Am Addmi Bank as Honourable Prime Minister Modi’ dream Project for the poor As per the prevailing trend the Gold loans are available to the educated because they know how to approach the Nationalized bank that to with 12% interest and 7% for the agriculturist. Gold loans are 100% assured security. With the rules not known by the poor people the Muthoot /Malabar/ pawn shops exploit the situation. Their interest rate is not less than 30% to 36% they are booming and able to get the loans easily in the Pawn shops. But the pawn shop owners are fleecing the poor people. Most of the time the people are not able to redeem their gold and they auction it in fictitious name and own it. My humble suggestion is open 6,00,000 nationwide Citizen BanK / Aam Aadmi Bank by this give employment to say 12,00,000 educated unemployed young people enlisted in the Government Employment office in about 6,00,000 villages. By this New Jobs will be created and the jobs should be for the locals of the village / nearby village. The Salary should be a minimum of Rs.3000/= per month only. The amount of capital can be stated form 5,00,000 and increased as to the utilization capacity of the village as the Loan is based on gold. Incentive also can be given to the citizen bank employees. Though this is not a income generating project for the Government as that of the Pawnshops because of Low interest. But the employment created will be enormous for the villagers. And the deposit amount of Gold also will be more. The satisfaction of the people will be much more than expectation since it is for social cause. The employees should be married and above 25 years (For responsibility reason) Let two people operate the Government bank. The interest rate should be as minimal as 2.5% to 3% per annum only. I understand the foreign banks Charge only 3% interest (in India the Same banks charge abnormally in credit cards). Fix a minimum Loan of five hundred to maximum amount the loan availability one lakh only that too by producing ration card only and the Thumb impression only one loan per person. By this a vast amount of Gold will be deposited in the Citizen Bank / Aam Aadmi Banks in turn in the Nationalized bank. By this the national reserve will be high. These two member bank should deposit the gold in the Government Nationalized banks for security reason. Let them take the Jewels from the Nationalized bank and operate. Each bank should be provided with a Computer system with printer. The details of the loanee should be printed and handed over. Photo , Signature along with thumb impression should be obtained. Without Photo and thumb impression no loan should be issued, Pucca Software should be created before the bank opened. Routine inspections should be conducted as per the procedure in the banks. The loan should be by cleared on online only by providing requested details including photo and thumb impression. By this the Popularity of the government will increase considerably among the poor and the poorest. D. Regarding Gold and the people. The Gold with the people should be limited to certain extent. The amount of Gold kept by the people should be disclosed to the Government. Excess amount Gold kept with a person should pay a Tax to the Government. So as the Churches / Mosques/ Temples /Ashrams / organizations keeping more than certain amount of Gold should be disclosed to the Government. The Limit should be fixed say 100 Kgs and above that a special Tax to the Government Levied. So that unused reserve sources will boost the image of the country. Since present government has a good majority it is easy to make suitable legislation and execute it easily. E. Our country first developed based on the agriculture then industries, now more globalization and privatization has lead to that status going down. There are now vast areas of barren lands and the agricultural lands are becoming housing units. There should be a new change in development plan wherein all the barren lands be turned into agricultural and also forests, these forests will also bring the rains back to the country and also give us a lot of Green credentials, which can also be sold to other countries which do not have this benefit. Our government still holds the Ashoka chakra, and Ashoka’s principle of trees by the side of the road should be re-implemented. All the expansions and road infrastructure widening have lead to felling of all these trees and some fruit/nut (tamarind, dates, badam and etc.) yielding trees will be of great benefit too. The kings of the past developed our country by creating tanks and ponds, these have all been filled up due to urbanization. Bringing back the golden age of the kings through these infrastructural development will also become a boon. They will create revenue for those picking the fruits. Government should also create and maintain the agricultural lands so that this will be better when it comes to maintaining standard Public distribution system, rather than creating kickbacks in procurement and unnecessary hoarding. F. To improve the tax collection the Government must insist on the installation of computers should be made mandatory in the trading house / shops / hotels etc (the issue of receipt should be The Government Income tax people provided software ) where the transactions more than ten lakhs per annum .The Officers should verify the shops frequently they should be trained to audit the trading in the shops / trading house itself. Special task force should be recruited from Information Technology people (frequent stock check made). By this employment opportunity will be created and the tax collections will also increase substantially. The hoarders and black marketers should be punished severely. G. The poor farmers are not getting the price where as the in between traders are minting money. Certain commodities are beyond the reach of the poor. By this the poor and the downtrodden will be more benefitted. H. From time to time I will try to write new ideas for the Government of India to implement if it is feasible. My humble request If implemented some creditability should be Given to Mosjos Healthcare research Foundation and Charitable Trust started in 1995 in the name of my Parents A.Y.Moses and Dotty Josephine Moses