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Tax and Business Agents
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GPs, doctors, dentists, opticians and chemists

19 July 2010

We offer a fixed price of £480 per year (no VAT) for online filing of YOUR 2010 Tax Return, or your Annual or Quarterly VAT Return, or your monthly, quarterly or annual PAYE/P35/P14/P11D Return if you are a sole Gerneral Practitioner, Doctor, Consultant, Dentist, Optician, or Chemist or a partner in a partnership clinic or pharmacy or optician shop. The charge is per owner or per partner.

We shall keep your records for the past six years in both electronic form as well as in a hard copy printed form.

We have in the past helped over 50 clients in this highly specialised area.

With all the changes being planned by current coalition government on NHS and non-NHS income to be received by these medical professionals, it is of utmost importance that YOUR Tax Return are filled in very meticulously and accurately.

Please call us on 020 8346 3033 or 0797 975 1634 to discuss your current situation in confidence. We could potentially give you a better service than your current provider.

It is always good to "look around" for maximum value for money now and then. Now may be the right time.

It is best to split your accountancy service provider and your tax service provider at two separate suppliers to avoid being confused about how much you are paying for accountancy services and how much you are paying for tax compliance services.

4 February 2010

Our dear mother, Ichhaben or Ichhagauri Mansukhlal Khajuria (maiden name Ichhagauri Laxmichand Desai of Dhoraji) passed away peacefully at 2145 hours on Tuesday, 2 February 2010.

BA or Mum was born in 1922. She got married at the age of 15 in 1937. My father was born in 1918. He travelled to the Sudan at the age of 15 in 1933 and worked for his brother-in-law as a house and shop helper.

My father went back to India in 1937 to get married and then came back to Sudan. Again, he worked in Kassala, Wad Medani and Omdurman as an employee as well as a businessman on his own and/or as a partner with his three elder brothers until 1946.

Just before my immediately elder sister was born in 1940, the Italians had started bombingBritish forces in Kassala, a town in the Sudan near the border between Sudan and Ethiopia (now split into two and the part known Eritrea, a long strip on the the Red Sea. The town of Asmara is horizontally East of Kassala on the banks of the Red Sea. There was a lot of trade between Asmara and Kassala in those days.

In the so called 'scramble for Africa', within one generation, eight countries (Britain, France, Germany, Holland, Portugal, Spain, Belgium and Italy) had carved up Africa between them, acquiring 10 million square miles of new territory and 110 million new subjects.

This often involved bitter fighting and for the Africans, horrific loss of life. That generation was between 1880, when almost the whole of Africa was ruled by Africans, to 1902, when almost all of it was ruled by Europeans.

From exploration, the Europeans had gone on to exploitation. In 1876, King Leopold II of Belgium had convened a conference of all Europeans in Brussels. 'I do not want to miss a good chance' wrote the king, of getting us a slice of this maginficent African cake'. There was untrapped wealth of raw materials, including timber, ivory, diamonds, gold, and later oil and gas.

Another generation when I was born in 1942, nothing had changed. The scrmbling and fighting had carried on. Now I am 67 and even in 2010, Africa remains the most backward and the poorest of among all the six continents on this earth. Economic domination continues by European, American and Asian nations. May better days come to Africa and Africans, I hope in the next generation.


For safety reasons, my parents had to flee from Kassala with all other relatives, leaving just one uncle to hold the fort in Kassala in basement, safe from those bombs in 1939-40 during World War II: it was in effect European War II.

That is how both my elder sister and I ended up being born in Wad Medani in 1940 and 1942 respectively instead of Kassala. So we were both war babies and we grew up as champions of the under dog. My elder sister became a Jain nun and I became an accountant, a lively critique of the current world financial system benefiting a few while exploiting many.

By the age of 28 in 1946, my father managed to accumulate a capital of 52,000 rupees and with the dowry of 40 tolas of gold from his wife, Ichhaben, he sailed back to India.

In Rajkot he stayed with his same brother-in-law, in their 12-bedroom villa, for three years. He had my two elder sisters, me and my younger brother by then with him plus his wife. A third brother was born in 1947 in India while we were living there.

There was a cow as well as a Chevrolet saloon car in the square courtyard in the Villa in Rajkot. I used to drink milk sometimes straight from the cow when the milkman came in the morning to milk the cow and pointed the milk flow directly into my mouth while he was milking. There was also a proper table tennis table on the first floor and I am still fond of playing table tennis to this day as a result.

My father speculated in silver in the forward commodities market and lost all his savings in three years. My mother told him not to despair and gave her the 40 tolas of gold to pay off all his debts.

This true story reminds me of a similar true story in our great Indian epic, the Mahabhartha, that is seven times bigger than Homer and Illiad put together.

Yudhishthira, the son of Pandava, and the grand son of Bhartha, had achieved the greatest triumph when he was consecrated 'king of kings' in Hastinapur, the city of the elephant, now buried under the old New Delhi. All this happened around 950 BC after the Kurukshetra War in the Mahabhartha between the warring ccusins.

At that very moment, Yudhishthira played a game of dice with his jealous cousin, Duroyodhan, son of Kavrava, and grand son of Bharatha and lost everything to his cousin including his wife, Draupadi, who was married to all the five Pandava brothers, all at the same time.

The only thing certain, the Mahabharatha tells us, is the kala time or death is 'always cooking us human beings' [XVII.1.3].

In this cauldron fashioned from delusion, with the sun as fire and day and night as kindling wood, the months and seasons as the ladle for stirring. Time or Death cooks all beings: this is the simple truth. [III.313.118]




8 October 2009, Thursday

This is my first grandson's first birthday. He is one today. His name is Rishi Jai, J R for short. His Dad has a Master's degree in Economics from Trinity College, Cambridge. So I dedicate this book to both my son and my grand son:

"Arthshastra" by Kautilya. The Indians were the first ones to write about Economics. Western historians hardly ever mention him and stick to Adam Smith who came centuries later. The following is a paragraph from "Arthashashtra" or "Economics" {"Arth" means "meaning and "shastra" means "craft"):

Heidenheimer (1970) identifies three types of corrupt behaviour: public office-centred, market -centred and public-interest-centred.

Reason for the persistence of corruption

"Just as it is impossible not to take honey or poison that one might find at the tip of one's tongue, so it is impossible for one dealing with government funds not to taste at least a little bit of their King's wealth. Just as fish moving under water cannot posswibly be found out as either drinking or not drinking water, so government servants employed in government cannot be found out (while) taking money for themselves." -Kautilya, Arthashsttra (From Reinventing Public Service Delievery in India by Vikram
K Chand)



Last Sunday I spoke on Sunrise Radio about Asbos: Anti Social Behaviour Orders. I said this type of behaviour also applies to senior people in business such as the Big Four (Directors as well as Auditors) at Rover where they took £40 million pounds from Rover and gave away the company secrets for nothing to the Chinese. The Indians came much later and had to pay a heavy price for Rover technical knowhow.




Any book on the World's greatest speeches is worth reading, or is it?

I have chosen one of them and summarized the gist of what I believe is worth reading in one of those type of books.

RABINDRANATH TAGORE [1861-1941] SPEECH GIVEN IN 1925

Some extracts from it. You need to read the full text to be fair to all those who may edited, shortened, lengthened, amended, revised it which could have givin me a wrong idea of what it was all about.

By enticing you to read the follow selected parts of the speech, or selected part of my own interpretation which may not be word for word of what he said precisely, and then that could have resulted in misleading your values and beliefs etc., then I ask your forgiveness.

SYNOPSIS: He placed social reforms before political independence.

EXTRACTS:

On nationalism, he said the following:

"India has never had a real sense of nationalism. Even though from childhood I had been taught that idolatry of the Nation is almost better than reverence for God and humanity, I believe I have outgrown that teaching, and it is my conviction that my countrymen will truly gain their India by fighting against the education which teaches them that a country is greater than the ideals of humanity.

The educated Indian is trying to absorb some lessons from history contrary to the lessons of our anscestors. The East, in fact, is attempting to take unto itself a history which is not the outcome of its own living.

Japan, for example, thinks she is getting powerful through adopting Western methods, but, after she has exhausted her inheritance, only the borrowed weapons of civilization will remain to her. She will not have developed herself from within.