SEX worker, fraud pampering financial fraudster top officials are responsible for goa’s financial problems

Many of goa’s financial problems are related to the fact that the top officials in the state are financial fraudsters wasting tax payer money to pamper google, tata supplied goan SEX worker, cheater housewife and fraud R&AW/cbi employees faking a btech 1993 ee degree, harassing, defaming, cheating and exploiting hardworking harmless experienced engineers from top colleges

Just because fraud top ntro employees having extra marital affairs with google, tata supplied goan SEX worker, cheater housewife and fraud R&AW/cbi employees are falsely claiming that these women who never answer JEE, were their btech 1993 ee classmate, the top goan officials are so incompetent that they refuse to independently verify these completely fake claims of the fraud ntro employees

Instead the top goan officials are so incompetent and dishonest that they are blindly repeating the completely fake claims of the section 420 fraud ntro employees, to give the sex workers, frauds great powers. The single woman engineer is confident that the fraud ntro employees giving fake references, will never be able to defend their financial fraud, lies in an open debate or legally, so why is the goan government blindly believing these liars and frauds while taking decisions.

It is this incompetence of blindly believing shameless liars and frauds like the ntro employees puneet, vijay, parmar, j srinivasan,patel, without independently checking or questioning these liars , which is largely responsible for many of goa’s financial problems

Corrupt dishonest top goan officials pampering school dropouts, sex workers lead to financial problems for the state

Goa has a lot of debt and an uncomfortable treasury position because the top intelligence and security agency employees are shameless frauds, liars who do not value experience, hardwork , honesty

Goa is also the only state in india where a google, tata sponsored semi literate eighth standard pass gujju housewife naina, mother of two sons can get a cbi job falsely claiming to have a btech 1993 ee degree, resume, investment of a single woman bhandari engineer, by bribing the shameless fraud liar intelligence and security agency employees in panaji, goa and having a powerful fraud lover parmar, working in ntro/security agencies who is abusing his powers to make fake claims, steal resumes of women engineers

Now a look alike of the semi literate gujju housewife cbi employee naina, is acting in star utsav serials chandrasekhar (mother of the child hero), veera as all people are believing in the lies of the fraud parmar. In reality parmar and naina are involved in an extra marital affair like in the colors serial bepanah, however it appears that naina’s husband is aware of the extra marital affair as it has helped him become very wealthy

Locked in a Constant State of Competition

My two sons are twins and they are best friends with each other. They pretty much do everything together, and even compete with each other. They often try to beat each other in school by striving for the highest grades. They both started taking physics, and each one believed they would be better than the other at it. When they started getting grades on their assignments, they both came home disappointed. Both of their grades were bad and neither was really doing better than the other. I had to go to to hire a tutor that would take them.

For the first time, my twin boys were humbled by their grades. Continue reading Locked in a Constant State of Competition

Reverse mortgage , a loan for senior citizens

With rising inflation, many older people find that their savings are not sufficient to cover expenses and there are no opportunities to work and make some money. So if they own their house, they get some money for their daily expenses and financial emergencies, by getting a reverse mortgage on their house. The reverse mortgage is especially useful for those who do not have any children or close relatives who will help them financially or otherwise in their old age . Details of how reverse mortgage can benefit your family are discussed for the benefit of elderly individuals who are looking for additional funds.

The home owned by an individual or family is the most expensive asset and investment made by the family, and if there are no children, after the death of the family members, the home usually will be inherited by a distant relative, who did not have the time or inclination to care for the family members when they were alive.

A home is a valuable asset, and a reverse mortgage allows the home owner to financially benefit from the the home, as the reverse mortgage provider will get possession of the home, after the death of the family members if a reverse mortgage deal is finalized with the family members owning a home.

Home loan for seniors, with home as collateral

Lack of money can cause great financial hardship during old age, as there are many expenses, and limited sources of income, as there is very less work available for a older person. So getting a reverse mortgage can help the family access the funds they urgently require, to lead the lifestyle they are used to, and pay the daily expenses without any difficulty.

The family can choose to receive the reverse mortgage amount, either as a lumpsum or in monthly or regular instalments. However most home owners prefer to receive the reverse mortgage amount in monthly installments as many of the regular expenses like utility bills are periodic.

The lifespan of an individual depends to a very great extent on hereditary factors, and if family members have lived for a long period of time, a person is also likely to live for long. In these cases, it is highly recommended that the person opts for a reverse mortgage, to receive a regular income for the rest of his or her life, as the value of the home will also increase over a period of time. The money from the reverse mortgage will also help the family to pay for other expenses like medical expenses, repairs to the home, property taxes. So taking a reverse mortgage will ensure that the family is financially independent and does not have to depend on relatives, friends for their regular expenses.

Lazy greedy frauds like google, tata sponsored goan gsb fraud R&AW employee diploma holder siddhi mandrekar are responsible for goa’s problems

Most of goa’s problems like the lack of investment and jobs is related to the fact that mediocre inexperienced lazy greedy frauds like the google, tata sponsored R&AW/CBI employee goan gsb fraud sex worker diploma holder siddhi mandrekar , goan obc bhandari sex worker sunaina chodan, 2013 bsc, goan gsb fraud housewife riddhi nayak, eighth standard pass gujju housewife naina and other frauds are given great powers and a monthly indian government salary for faking their resume, investment and online work.
Later these frauds like siddhi are complaining in social media about goa’s problems, how when she, her friends and relatives want to monopolize all positions of power, with a fake resume, fake investment and fake work, naturally their contribution will be less reflecting their real competence, experience, work ethic and exposure to different systems.
If the goan frauds like riddhi, siddhi, sunaina had wanted the best for goa, they should not have agreed to the google, tata masterminded resume theft fraud, and ensured that a person with real merit and experience, got the position they currently have. Just like a company with inexperienced lazy mediocre fraud employees is likely to collapse, goa is also facing problems due to reservation for inexperienced lazy frauds like sunaina, riddhi siddhi in top government jobs with fake resumes.

Bad credit loans

Most lenders are checking the credit score and credit record of the borrower before approving a loan, and a borrower with a low credit score is likely to find it difficult to get a loan as the possibility of a default will be higher. However there are some lenders who are offering bad credit loans to borrowers after taking a calculated risk. For example in some cases, a few borrowers may have a poor credit score due to factors beyond their control. If a person is travelling or is hospitalized he or she may not be able to pay the bills or loan installment in time, adversely affecting the credit score. So the lender may take a calculated risk in these cases and offer bad credit loans.

However in most cases, the interest rate charged for the bad credit loans will be higher compared to conventional loans offered by the same firm. The repayment terms and conditions for these loans are likely to be more stringent also.

Online marketing strategy of competitors

One of the easiest way to rank well online, is to replicate the online marketing strategy of a competitor who is ranking well in search engines like google. The website owner(or their marketing agency), should prepare a comprehensive links list of the competitor’s website and then try to get the same links for their own website, to improve their search engine ranking and get more visitors to their website. It may take some time to compile a megalog of their competitors link strategy, however it will be useful in future. is a real-time online website that provides a platform to pay the credit card bills online. Ezcardinfo In this era of net banking and more preference towards liquid money, there is one common website where we can pay the bills piling in our credits and take advantage of the numerous features the website provides.

Due to high central loans, goa government reduces welfare schemes

In 2012, after being elected the goa government announced a large number of welfare schemes, hoping that it would win the elections more easily in 2017. However in 2017 elections, the BJP seats reduced to a great extent , allegedly due to corruption, land grabbing by some ministers especially in north goa. Realizing that the welfare schemes had not creating a loyal vote bank and was increasing the debt of the government, to the central government, many of the schemes have been curtailed or cancelled.
For example the government was paying Rs 1500 monthly to all housewives in Goa, however now it is not accepting new registrations as the scheme is under review. It appears that most indian states are not managing their finances well, and rely on loans from the centre. For example the central government decided to release the tax revenues to the states only once in 3 months, and some of the state governments protested, with West Bengal writing to centre according to media reports as they are facing a fund shortage.
On the other hand, indian citizens who manage their money well, are falsely labelled a security threat, to waste tax payer money to harass, defame, cheat, and exploit them, instead of using their money management skills.

Central government is reducing expenses

It appears that the central government is reducing expenses and states like goa are finding it difficult to get more loans from the central government. After ending the free internet scheme, a local newspaper also reported that new applications for monthly help to housewives of Rs 1500 per month had been stopped as the scheme had already reached a limit of 1.52 lakh housewives . While the existing housewives will continue to get the money, no new housewives in goa will get any help. Elections are due only after 5 years in goa, so the government can afford to reduce freebies.
However R&AW/CBI/indian intelligence employees continue to waste a huge amount of indian tax payer money on well connected sex workers, cheater housewives and other frauds with fake resume, fake investment and fake work online.