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Goa’s debt trap could be avoided

The debt trap in Goa is not entirely due to natural factors which cannot be controlled, it is due to the extremely cruel, corrupt, dishonest and greedy top intelligence and security agency officials. Instead of letting a small business owner work during the day, they are relentless in stalking and attacking her causing the most terrible human rights abuses out of hatred and greed. It appears that the officials attacking the harmless engineer, have no other work during the day. The government should redeploy them them instead of allowing to waste their time during the day commiting human rights abuses rt

These shameless cruel dishonest men falsely claim that the lazy greedy mediocre goan call girls siddhi mandrekar, bsc obc sunaina, brahmin and other cheaters like nayanshree hathwar, riddhi, veena, ruchika, asmita patel are online exporters when these pampered fraud women cannot even operate the bank account of the export business these shameless fraud officials claim that the pampered lazy greedy cheaters own.

Just because the goan call girls have sex with top officials and cheaters are well connected, when will powerful officials learn to be honest and realize that they are not the exporters who contribute to the economy. When the powerful officials learn to be a little patriotic and allow harmless civilians to work peacefully at home and elsewhere without being ruthlessly attacked, causing great pain . It will stop the wastage of tax payer money for personal hatred and gain, and also help the local economy as more money will be available for spending.

Picking a New Utility Company Was Easy

I lived with my parents until I was 29 years old. They wanted me to be able to stay with them while I went to college. After graduating, I needed to find a job. I took on an entry level job while looking for the right one that would fit my college degree. I found the perfect place to work at in another state, and I was moving to Texas. Dad said he would help me set up with Reliant Energy in Texas and all the other businesses I needed to get set up with. I told him that I would do all of it on my own so that they would not have to worry about doing it. Not only that, but I wanted to learn as much as possible about living out in the world. I moved and did just that.

In my new state, you have a lot of choices about which companies to purchase your electricity through. Where I lived most of my life previously, we had the choice of getting our service through one company and that is it. Continue reading Picking a New Utility Company Was Easy

Bank of India posted losses due to NPA

As small business owners throughout india are unable to repay the loans they have taken due to the endless persecution, the banks which lent them money are facing losses. Bank of India announced their first loss in nearly twenty years due to mounting bad debts as the borrowers could not repay the amount they had taken a loan for . It is a reflection of the extremly hostile business conditions in the country,
Honest hardworking small business owners are treated worse than criminals, unemployed people and harassed for years wasting tax payer money, to find non existent proof to defame them. Intelligence agency officials have no work other than spreading defamatory rumors to ruin the reputation of the small business owner so that they find it difficult to get local customers or suitable staff

Small business owners especially those who are not well connected are finding it difficult to survive, as they live a life of fugitive

Huge amount of tax payer money wasted to cause business losses resulting in loan default

Using conventional economic logic, a government would like businesses to flourish so that they can pay more taxes and generate more employment. However in india due to warped/misplaced priorities of top officials and the lack of systems to monitor and prevent the abuse of power by these officials, they are able to waste a huge amount of tax payer money to destroy the finances and reputation of small business owners
The RBI Governor was reported in the media in May 2015 as saying that despite their best efforts banks are unable to repay their debt. However no effort has been made to analyze why a business is not doing well. If indian tax payer money of Rs 3-4 lakh a month is wasted to stalk, sexually harass, commit human rights abuses, defame and steal the correspondence of a small business owner, how can he or she focus on the business.
A person subjected to the terrible human rights abuses in India today will focus on minimizing the damage to their health caused by the cruel cowardly officials getting a government salary and hiding in government offices. When they are in great pain,caused wasting tax payer money, how can they do any work? The business owner is like a hunted animal trying to escape from the cruel cowardly animal in human form, getting a government salary, attacking him or her daily, hiding in a posh government office .

Thus india today is nominally a democracy for the rich and well connected, others are denied even their fundamental right to living and privacy. Filing an RTI request has not helped as these cunning cruel officials falsely claim that national security matters are involved when they actually want to cover up their frauds. What harm would the country face if the harmless business owner was just left alone, saving tax payer money? Can these cruel cowardly officials in india answer, why they waste tax payer money to ensure that business owners do not repay their loans to the bank?

Businesses in India unable to repay loans

The latest media reports indicated that banks in India are finding a great increase in the number of defaulters as businesses are increasingly unable to repay the loans they have taken. More than external factors, it is a reflection of how difficult it remains to do business in India, to earn reasonable profit.

Instead of helping small and big businesses flourish so that they make more profit and pay more taxes, generate more employment, unless the business owner is well connected, a business owner will often find that a huge amount of indian tax payer money will be wasted to make it very difficult for the business owner to earn even a single rupee.

If a small business is targetted for a hostile takeover by a large and well connected company the plight of the business owner will be terrible. The harmless business owner will be subjected to a terrible slander campaign, under surveillance for more than 5 years, retirement savings, resume and correspondence stolen. Powerful officials will waste tax payer money to block the payment which the business owner would have otherwise received, spreading malicious rumors

It is almost universally agreed that it is difficult for a small business owner to take on the might of the state. 5 years ago, even this business owner could not imagine that conditions would be so bad and powerful officials so dishonest,greedy and without honesty. When a business is not earning any revenues, how can they repay the loans they have taken? Till the top officials end their negative attitude towards hard working business owners, wasting tax payer money, the banks in India will deal with bad debts, unpaid loans

Anti corruption / woman rights activist/ lawyer needed

Looking for an anti corruption or woman right activist or lawyer to help a harmless innocent single woman obc engineer and online exporter retrieve her retirement savings of twenty years which are allegedly held by a powerful governmemt official in India without a court order or legally valid reason.
Kindly note that though the single woman engineer has been subjected to an extremely malicious slander campaign based entirely on lies, even after 5 years of intense surveillance, these officials have not been able to find any concrete proof against the harmless innocent single woman engineer. Ex CBI, R&AW or IB officials who can help an innocent harmless single woman please contact.

Filing RTI requests has not helped the single woman engineer.
More details available at Personal Finance news

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Low interest loans

Many newspapers carry ads for low interest loans of 1% or 3% , few know how this could be possible, as most banks will charge 9% or more for loans. For many items, people today pay in installments and depending on the clout the seller and buyer will have, the seller can manipulate the conditions to have the buyer provide an interest free loan.

The seller may not encash the post dated cheque provided by the buyer and then falsely claim that the buyer is a defaulter,
In other cases, the seller may not inform the buyer that the payment was due and then falsely claim that the buyer is a defaulter.
The buyer will not get what he or she has paid for, and also find that his or hard earned money was kept with the seller without getting anything in return.
In case the buyer disgusted with the unfair terms, poor service decides to cancel the contract the seller may deduct some amount which was paid. In other cases if the buyer will protest, the seller will return only the principal after a further one or two years. Effectively the gullible buyer has been forced to give the seller a zero interest loan for 5 years without getting anything in return, wasting time and losing money.

Now the large companies use this trick on a large number of vulnerable buyers to get interest free loans. This money can then be lent to other borrowers at low interest earning a good profit for the large seller. Hence check the background of the lender before taking low interest loans

Call girls, brahmin cheaters, loans and lavish lifestyles

Powerful offiicials in the indian internet sector lead lavish lifestyles, patronizing call girls, brahmin cheaters and escorts, take loans and then defame, exploit and cheat hardworking, harmless , innocent obc webmasters, online exporters. They then falsely claim that the websites belong to the call girls and brahmin cheaters who they patronize to defame the real obc exporter whose retirement savings they have already stolen.
Why should the real obc domain investor, exporter, engineer not get credit for the hard earned money she has spent online, play second fiddle to mediocre lazy greedy goan call girls siddhi mandrekar, sunaina, brahmin cheater nayanshree hathwar, riddhi who have cheated and exploited her.’
Just because these officials are very powerful and want to steal her savings, resume, why should the harmless obc exporter and engineer tolerate their cheating, exploitation for the rest of her life. These officials, their friends and relatives can easily pay their loans themselves if they work hard and lead a frugal lifestyle.

However, these cunning officials want everything easy, and seem to have perfected the art of exploiting, cheating and defaming hardworking honest obc exporters and engineers, to justify looting them for the rest of their lives to earn a lot of easy money and make their relatives and friends rich and powerful . Unless the fraud of these shameless officials will be exposed, they will continue to exploit others