[Rajesh]

<div>Respected Sir, Warm good morning.</div><div>

I am writing to you to express my grave dissatisfaction at the way my application for insurance reimbursement has been discarded with out 2 blinks by your field officer. I had lost my 2 baggages carrying my personal belongings worth Rs. 25000 during my vacation trip to Missouri. The attitude of your field officer smacks arrogance and deserves severe admonition.

Coming to the main point, you have made me pay through my nose for the travel nsurance which loudly proclaims to cover everything from salt to sugar lost on trip without any question. You will be able to imagine how much wretched I feel on treatement meted to me by declining my polite request for this modest compensation. If I had known that you are not allowing any claim below Rs. 1,00,00, I would have never come within 100kms of your office to take insurance.

I wont let go of this matter easily as you have hoodwinked me and many other customer with misleading ads, hidden charges and ambigous terms and conditions. Do keep waiting for the ring of ombudsman of consumer affairs at your door step.

Hopefully i will never have to come across any officer of your company again.

With no warm Regards

A disgruntled and hoodwinked customer

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[Rajesh]

Supermarkets are well capable of giving small local business a run for their money and many a times forcing them to close down. However the impact of this phenomenon on local communities, whether does this cause local communities to wither and die is debatable, with some prominent thinkers eviscerating policy makers lenient to supermarkets and others welcoming the changes that supermarket bring in to communities.

The culture and vibe in local communities and the prominent business in the locality have a symbiotic relationship, they both thrive on each other. Local business contribute immensely to sustain the local communities, through being a main source of direct and indirect employment and being a cradle for development of community leaders. The unchecked growth of supermarket, which tend to be centrally governed and usually with no say and involvement of local community in its daily operation, can ring death knell to this relationship and wreak havoc. There are many well documented examples of this in USA, where especially in suburban areas, youth have either resorted to emigration or languishing in jobless resulting in death of local communities.

However there is an other side of the coin too, supermarkets can give a much needed impetus to local business and thus local communities, as supermarkets need not compete with local business. Instead supermarket can turn local business in to feeders for the business, thus allowing the business pie to grow instead of splitting the pie. This is indeed the case in growth stories of supermarkets like Lulu, which is a hypermarket chain in India. This supermarket chain has become a hub for all local business to showcase and sell their wares and thus helped the local business and local community to prosper and thrive.

In conclusion, I do not agree fully with the view that expansion of supermarkets can bring death knell to communities. if supermarkets grows establishing a symbiotic relationship with local business and local communities then all is well.

[Rajesh]

There have been lot of discussions on whether hosting an international sports event is beneficial or harmful. This debate subject arises passions on both yay and nay sides. There are lot of factors to be considered whether the benefits outweigh the harmful effects. While there are many benefits accrued by hosting such an event like arising passion for sports, getting free limelight to the host country, I believe that the cons outweigh the pros.

In the first glance itself, the society members who benefit the most are evident. The elites – ruling class and politicians – find hosting an international sports event as an opportune moment to embellish their images and aggrandize themselves.

However the strata of society, which loses the most, Is usually the poor who bears the pain of harmful cascade of dominos set in motion by hosting such an event. There have been instances of entire villages being relocated by governments in certain countries to host such events. This is especially pronounced in poor countries where quite often the rule of law is weak, though even the poor in affluent countries are not spared. The most egregious fact is that since these strata of society gets less media coverage, the harmful effects of hosting such an event does not get the prominence in media. In most cases, the glitz and glamour of hosting such an event completely hides the pain faced by the poorest and most affected in society.

In conclusion, I believe that, especially in poor countries, the harmful effects outweigh the benefits of hosting an international event.