Review: The Financial Expert 0
Margayya was the hardworking financial expert in Malgudi and surrounding areas, helping his customers mainly from rural areas who had financial problems find a solution. Margayya initially transacted with his clients who were mostly villagers, functioning under the shade of a banyan tree located close to the local co-operative bank.
He is asked by the bank staff to leave the location and while he tries to find a solution, he meets Dr Pal, a sociologist and journalist who gives him the rights to the book `Domestic Harmony` which provides tips for a happy married life to married couples. When Margayya takes the book to the local printer, the printer is very happy with the content of the book and offers Margayya a partnership deal which makes him reasonably wealthy.
Later the printer, wishes to buyout Margayyas share of the book, and gives him a lumpsum. Margayya resumes his financial services, with a better office and more staff. During the war he realizes that people have more money, and recruits Dr Pal to collect deposits from his large network. The deposit money is then deployed to further increase the profits of Margayya.
Margayya has a son Balu, who is not interested in studies and fails the matriculate exams despite Margayyas attempts to get him the best teachers. Balu then leaves home, and Margayya receives a letter stating that Balu has died. Luckily when Margayya visits madras to verify the news, he meets a police inspector who tells him that the letter may be fake and helps him to trace Balu.
Margayya then takes Balu home and gets him married to a beautiful girl Brinda after manipulating the horoscopes to match and gives them a house in Lawley extension. Balu still does not take interest in working yet demands a share of the ancestral property. Margayya who is self-made has nothing to offer. He later finds that his son is under the influence of Dr Pal.
One day Margayya visits the house of his son Balu, late at night at around 1 am and finds that his son is not at home. Brinda tells him that his son comes home very late at night around 2 am daily and Balu is spending a lot of time with Dr Pal who influences him. Just as Margayya is about to leave, Dr Pal reaches the home with Balu and two women who claim to be from the theater, who Margayya claims are whores.
Margayya is furious and unable to contain his fury, he removes his sandals and beats up Dr Pal on his face. Dr. Pal is upset files a police complaint and also instigates all the customers from whom he had collected deposits to withdraw their money from Margayya, questioning his mental health. In a short period, Margayya loses all the wealth he had acquired due to the allegations of Dr Pal who is well connected and interacts with a large number of people. The house of Balu is also attached and returns to live with his father and mother.
The domain investor, engineer who had a better 1989 jee rank than google ceo,sundar pichai has been systematically denied the income and opportunities she deserved because the rich and powerful especially indore/goan/gujju/sindhi/haryana/shivalli brahmin cheater liar officials/leaders have been extremely vicious in criminally defaming her, making completely fake allegations without any legally valid proof for 15 years so that lazy greedy frauds like indore cheater housewife raw employee deepika/veena, panaji goan bhandari CALL GIRL sunaina chodan, haryana cheater mba ruchika kinger, bengaluru brahmin cheater nayanshree, sindhi school dropout naina chandwani, panaji goan gsb fraud housewife ROBBER riddhi nayak caro, cheater married mother architect telugu trisha, her husband vinay,liar mother prajakta can falsely take credit to get great powers, monthly government salary in some cases only for FAKING computer/mobile/writing work with data robbed using telugu trisha`s wifi hacking network in metro city.
Kindly note that sunaina dhond , tejas chodankar, panaji goan gsb fraud housewife ROBBER riddhi nayak caro,siddhi mandrekar, gujju stock trader asmita patel, naina chandwani, her sons karan, nikhil, bengaluru brahmin housewife nayanshree, wife of fraud tata power employee guruprasad, indore housewife deepika/veena, haryana mba ruchika kinger, cheater married mother architect telugu trisha, her husband vinay, mother prajakta and their associates are not associated with the website in any way, since they do not pay expenses, do not do any computer/mobile work, allegedly only rob data to make fake claims and get great powers, monthly government salary at the expense of the real domain investor, single woman engineer, migrant from north karnataka.
In addition to causing great financial losses, the domain ownership, financial fraud, slavery racket may be the reason for the horrific human rights abuses on the single woman engineer since 2010, as the indian and state government agencies refuse to acknowledge the time and money she alone spends in a case of government online, financial fraud, slavery and digital arrest racket of liar top indian government employees allegedly from the btech 1993 class of iit bombay, who hate the single woman engineer, their classmate/batchmate and have wasted crores of indian taxpayer money since 2010 to destroy her life.
An interesting book on how well connected people like Dr. Pal can destroy the life and reputation of the financial expert, Margayya, spreading fake rumors, especially about mental health, when Margayya becomes angry with Dr. Pal and assaults him for Dr Pal`s negative influence on his son balu. It also shows how spreading fake rumors about mental health of a perfectly sane person who the influential person hates can destroy their business and life.
The Financial Expert
Author: R. K. Narayan
Publisher: Indian Thought Publications
Pages: 272
What every Indian should know before investing by Vinod Pottayil 0
“What every Indian should know before investing” covers different aspects of investing and is relevant mainly for salaried people and those who are well connected, especially those without many savings. It is a fairly comprehensive guide to investing in India and covers the various options available like
Fixed deposits
Recurring deposits
Mutual funds
Stock investing
Post office savings
Life insurance
Health insurance
Real estate
Many people, especially young people have only experience in few of the investment options available,and this book could be useful for those who do not have much experience in a particular type of investment and have no one to give honest advice.
For example increasingly financial advisory services are only aggressively promoting life insurance policies though many people do not require life insurance, because the commission offered by the life insurance company to the financial advisors is very high, compared to mutual funds. Also the financial advisors are creating an atmosphere of fear, especially for indian citizens who are not well connected like the domain investor owning this website, to force them to purchase life insurance policies which give low returns compared to almost all other investment options like mutual funds.
The life insurance sellers are taking advantage of the endless atrocities of the indian intelligence and security agencies who are labelling vulnerable citizens who have saved some money as a security threat without any proof at all, to steal their retirement savings without a court order or legally valid reason, The problem is widespread for those who are not well connected, especially in large cities, however the book does not cover the endless atrocities of the shameless fraud extremely corrupt NTRO, CBI, security agencies freelancing for large corporates, who steal the savings of vulnerable indian citizens especially single women engineers from top colleges without a court order or legally valid reason to force them to agree to identity theft.
India has some of the best constitutions and laws in the world, however it one of the worst countries for honest, hardworking, competent engineers and other professionals, as the intelligence and security agency employees are often extremely corrupt, dishonest, lacking humanity, and cannot be held accountable for their their endless atrocities resulting in brain drain, and making india the largest exporter of ceos in the world. The book is largely theoretical in nature and does honestly discuss how indian intelligence and security agency employees are involved in endless frauds.
For example this domain investor invested money in mutual funds, the fraud ntro employees, her btech 1993 ee classmates led by j srinivasan, puneet, vijay hated her,so they falsely claimed that their lazy greedy inexperienced girlfriends especially google, tata supplied slim goan bhandari sex worker, 2013 bsc, who offered them sex services, goan gsb fraud housewife extortionist riddhi nayak, shivalli brahmin cheater housewife nayanshree hathwar, and other frauds had the resume, investment including mutual fund investments of the their real classmate to get the sex worker, cheater housewife and other frauds great powers from mutual funds, Google, tata favorite lazy greedy inexperienced goan sex worker sunaina, siddhi,fraud R&AW/CBI employees have almost no mutual fund and other investments of their own, yet the shameless section 420 fraud ntro employees are allowed to make fake claims about the investment of a private citizen, single women, who they hate, defaming her and to deny her the income and opportunities she deserved.
The book does not reflect the fact that single women engineers who work hard to save money are falsely labelled a security threat without any proof by the extremely corrupt indian intelligence and security agency employees, denied their fundamental and financial rights, how close relatives and some reputed companies like google, tata may also be allegedly involved in identity, savings theft of harmless indian citizens to acquire talent and technology cheaply, increase their profit and control powerful government employees with bribes.
For example, a close relative of the domain investor stole the documents of the domain investor, and instead of being punished for her crime, google , tata allegedly rewarded the document robber housewife veena with a R&AW job, falsely claiming the document robber owns the investment, has the resume of the google competitor, domain investor. Complaining to finance ministry, filing a police complaint has not helped the investor whose documents were stolen by indian government employees.
It is very frustrating when a person works hard for thirty years for a degree, saving money, only to find that she cannot access her hard earned money due to corrupt indian intelligence and security agency employees who have stolen it without a court order or legally valid reason. If the book reflected the endless financial, identity theft frauds of cbi, indian security agencies on vulnerable citizens , it would have been more accurate and helpful for indian citizens. Otherwise this is a very good reference book for those who have just started earning and in their twenties.
What every Indian should know before investing
Author : Vinod Pottayil
Publisher: Imagine Books Pvt. Ltd., 2017
Pages : 346