Friday, November 14, 2014

To the chairman and Managing director

To the chairman and Managing director

I wanted to share two interesting experiences I had with public banks.
1.        The first experience was in the year 2008. My father was a senior manager with a prominent public bank. Upon his demise in 2007, the bank closed all the loans pending and settles the monitory benefits. That was swift and timely. The events that happened after this was tiring. I had to collect the house document from the bank for which the loan has been closed. I went to the branch where he worked during his final official days – Nungambakkam – inspection centre. They asked me to come on Saturday and I went on every Saturday for next 2 months. After 8 visits, I lost my patience and asked them, where the document is. They said – they are still searching it. I was informed that it should be with the Nandanam branch. I went to the Nandanam branch and met an officer and narrated by whole story. He took my name and number and politely asked me to come on a Saturday. This time I was very confident that the job is done. Next Saturday, I was not able to find that guy and no one knows my story there. I directly went to the general manager stationed in that branch. He asked me to call after 2 hours. I called him after 2 hours and he said that the document is surely not in Nandanam branch and his scope is closed with that.

I started to search on my own. I wrote to many branches where my father worked after he bought that house. No one replied. I went back to Nungambakkam inspection centre and asked for information. They started ignoring as they said they will call me once they find it out. I was totally frustrated – I was being treated as guy who is asking for loan without any securities.

Time marched; it was 6 months after I started the “document search”. Many officers will listen to me, take my number and then forget it. It was like a weekly for loop. But one day, I happened to meet one of my father’s friends. He was really helpful. One last time, I narrated the whole story and he directly asked me to write “to the chairman and managing director of XXXXXX bank”. I did it immediately – a three page long message with my entire plight that happened in those 6 months. It’s magic – 3 days later, I was asked to go to Neyveli branch and collect the document.

2.        The second experience happened in 2014. My wife cleared the IBPS exam and interview in 2013 and she was asked to join in Dec 2013 in a reputed bank. As she was pregnant, we gave a request letter for further extension. The extension was granted till July 2014. We were blessed with a boy baby and after a joyous three months, intimation came for joining. We felt it’s too early to join and thought of requesting another month of extension. Though we sent many written request, no confirmed orders came. So, my wife used to call the HR manager of Mysore circle (the circle where she was posted initially) – he used say the same answer “You will get it this Saturday” (why bankers are obsessed with Saturdays?) and that Saturday never came. The date of joining is just a week away. My wife called him and asked him for an affirmative answer, he immediately asked her to join on July 7th batch else, her joining will be a question as the next batch is not yet finalized (and some blah blah blah).

My wife started with the one week training that held in Bangalore. The first day itself, she submitted a letter requesting to post her in either Bangalore or Mysore as she delivered a baby just three months back (on medical grounds). They took the letter and did what they do best – forget it. The same request was given to the Union leaders too (at the end of this experience I understood that these union leaders have no scope in HR department of the bank). At the end of her training she was asked to join “Arakere” – I can’t find this in google map initially J. It’s a village 25 kilometres from Mysore. Imagine the plight of a new mother travelling 50 Kms every day in bus. I along with my father in law went to the village and did a trial travel from Mysore to Arakere and felt it is impossible task. Since I require high speed internet, we can’t shift to that village and stay there.

On date of joining, my wife called up Arakere branch manager and said that she will be reporting late as we need to meet the HR manager in person in Mysore. We went to Mysore to meet the HR and had the worst of all experience with him. The union guy is just like radio transmitting what the HR manager just said. I was fed up and convinced my family to quit the job as my wife’s and son’s wellbeing is my priority. The family members were in dilemma but they agreed that there is no other choice to quit if she has to work in that village. But I had one last idea – write a letter “to chairman and managing director of XXXXXX bank”. I wrote a three page long letter describing all that happened. It’s magic – 3 days later, a joining letter was received in my wife’s name to report in Mysore city branch.


Sunday, April 27, 2014

Plutocracy - Kaasu Panam Dhuttu


Necessity is the mother of all inventions. But what necessitated the invention of money. To understand this, let us travel back in time.

Medieval England:
The first bankers are money changers. Their job is to keep safe other people's gold in their vaults and give receipts. These receipts were the first money. People were OK with this as it is easy to carry cash instead of gold everywhere. Money changers identified that only a small fraction of depositors ever came in and demanded their gold at any one time. The money changers capitalized this scenario and gave away loans far more than the gold they had with them. This is what now called Fractional Reserve Banking - The practice of lending out money than the assets in hand. This way, the money changers accumulated more money / gold out of nothing.

Money Changers:
Queen Elizabeth tried to take control of economy of Great Britain; money changers were so influential that they put UK into a series of expensive war for next 50 years. At the end, the UK government were force to contact these money changers to bail them out. In exchange the money changers were allowed to create a bank. The first modern private bank "Bank of England" was created in 1694. The name of the bank is so deceptive that one thinks it is government owned bank, but it is not. Adding mystery, it is not mandatory to reveal the real investors. The business of this bank is to loan British politicians as much as currency (just by printing papers). The British govt. is supposed to repay the loan through direct taxation of citizens. The loan and interest are 100% secured in this way. Repeat of incidents in 1791 in USA. It was initially called, the "First Bank of United States".

Rothschild:
One such money changer is Mayer Amschel Rothschild. He had five sons: Amschel "Anselm" Mayer Rothschild (base: Frankfurt), Salomon Mayer Rothschild (base: Austria), Nathan Mayer Rothschild (base: London), Calmann "Carl" Mayer (base: Naples, Jacob "James" Mayer (base: Paris). They had Rothschild houses in their respective bases and started giving loans to governments. by mid-1800, Rothschilds were the richest family in the world. If any big mansions in Europe don’t belong to the kings, it belongs to Rothschild. JP Morgan, Rockefeller, Cechil Rhodes were all "Fronts" of Rothschild family.

War is always expensive for both sides. Rothschild keeps backing both sides with loan and makes money. They did it when Austria waged a war against France in early 1800s. Earlier to March 1815, Napoleon of France was waging his final battle in Waterloo. If he wins, shares in London stock market will fall. Nathan Rothschild learnt Napoleon's defeat even before the government in London. He notoriously started selling shares to create an environment that Napoleon has won the war. Everyone sold their share and all were bought by Rothschild himself. The next day, when the news break - Nathan Rothschild proved why he was a successful businessman.

In mid-1800, they owned half the wealth of the world. They own the lion's share in Federal reserve of USA. Rothschild are into all major business, what ever we name, they will be there. But their name will not surface anywhere. Rothschild name never came in the richest of the richest list anytime - they own the media. They are the only trillionaire in the world. The secrets of Rothschild family are more as we dig in more.


If money is God, Rosthchilds are the prophet.

Thursday, April 24, 2014

Secularism Stabbed - My thoughts about "Raam Ke Naam"

Disclaimer:
"Raam ke Naam" - The documentary of Anand Patwardhan (made in 1990 and released in 1997) about the attempt to demolish Babri Masjid on 30th October 1990 by 'militants' - rightly called by the documentary maker. The documentary was very impressive and this is not a review but my thoughts about it. I'm an atheist and endorse no religion.

 The documentary starts with L K Advani's rath yatra across tha nation calling Hindus to build Ram temple in the same spot. Advani's oratory skills are well captured and he is prolific in his speeches to attract people for his work. The first person to get interviewed was an oil business man wearing a red cloth over his forehead and talks about Hindu's right over Ramjanma Bhoomi. I felt wrong with a fact that was mentioned: "Babri masjid was built 1528 and 50 years later Tulsidas wrote Ramayana". Why was Valmiki's or Kambar's version of Ramayana was not mentioned here. Kambar lived circa 1180, some 340+ years back Babri masjid was built.

Chilling Facts:
British were disturbed the unity of Hindus and Muslims in India. So, they promoted a rumor that Babur destroyed a hindu temple and built the babur masjid. But with mutual compromise Hindus prayed in a Ram temple inside the compound of the masjid. Peace until 1949 when some people placed an Idol of Ram inside the masjid. The case went to district magistrate K.K.Nayar who refused to remove the idol stating security reasons. I feel this is the second biggest mistake next to the demolition itself. Temple remained opened but masjid sealed. Nayar later joined Jan sang. Mahant Shastri one of those who kept the idol inside the masjid says that Lord Ram appeared inside the mosque in his dreams and hence he did it. Does his conscience would prick him today? Haji Abdul Gafar, the imam of Babri masjid was promised by K.K.Nayar that within few fridays, things will be resolved. That friday never came.

Sarcastic views:
A law student who is a staunch supporter of VHP is interviewed. He is asked which century Ram was born. He says "I'm in first year of Law and the syllabus doesn't cover this"!! A man appearing to be saint says 1000s of years if not 100,000s of years. There were few more interviews of common man who doesn't like the demolition and construction. Common man is more worried about his social status and price rise. All the riots in the history are orchestrated by those who will be benefitted and innocents were just victims.

Rage of fire:
BJP went from 2 seats in 1984 election to 86 in 1989 by promoting hardline hindutva idealogy. This led its leaders to believe that Hindutva was the key for their success. Bricks and money were collected from international branches of VHP. Where ever Advani's rath went, lives fell, but rath never stopped. The chronology is first RSS, then VHP and then Bajrang Dal - considered to be youth wing of VHP. Bajrang dal was created more specifically for Ram Janma Bhoomi. They are all on fire to finish the task. The video also present speech by Baradhan in Patna during the same time, the veteran communist leader who fires against the chariot tour. He insists India has serious problem to deal with than building the temple. But this did not stop Advani.

The Attempt:
All roads to Ayodhya blocked. The karsevaks were stopped crossing the bridge that lead them to the site. Karsevaks with rage shouts "Bagavan ki roop hamare andhar hai". The environment is full of provocative slogans. Police lathi charges and disperse the crowd ony to gather in another spot trying to enter the compound. The vice president of VHP, S C Dixit was a former DGP and he uses his influence and speaks to the crowd using the police mega phone. He doesn't pacify them instead does the opposite. The police began to withdraw and karsevaks move ahead towards the compound. Few manages to stand tall on the domes, all of a sudden police hit back with gun shots. 4 killed, the attempt aborted. I appreciate the effort by Mulyam singh in preventing such attempts in his tenure. But Kalyan sing din't do this in 1992 which stabbed the secularism in India.

Kamal Hassan said in his movie VasoolRaja MBBS (Eng Translation):
Trust those who doesn't believe in God,
Trust those who believe in God but never trust those who say that He is God ("Bagavan ki roop hamare andhar hai"). He was right.