RESEARCH ARTICLES

By Jagadish

Banking loans aren't removed from depositor pass book

Depositor pass book doesn’t have entrepreneurship entry

Entrepreneurship entry is in entrepreneurship pass book

Entrepreneurship pass book is independent and not dependent upon depositor of bank

Depositor bank doesn’t have anything to do with depositor while doing transaction through manager

Manager choses his own methodology of creation of excess cash through negotiation

Negotiation isn't intimated to depositor

Depositor that’s why doesn’t bother about manager of branch unless he is called upon specifically

Manager can charge any interest on the loan and entrepreneur can accept or deaccept the interest

Even though interest is cleared by the bank and manager is allowed to intimate to entrepreneur

The bank has option to change the interest rate with permission from RBI

Interest rate can be anything as per choice of bank and payment procedure is also clear

Cash reserve ratio and statutory liquidity ratio even though specified doesn’t affect the depositor

So money paid to RBI through banks is only superficial or artificial money creation to soothen up each
other

Making banks believe as if they did journal entry transaction

In truth money hasn’t disappeared from depositors account , it only made bank eligible for further on
loan to be made to entrepreneurs more than it can accept or money created apart from what it
posseses

Thought of the day

Money banks create is artificial increase of M1 apart from creation of accounts from depositors daily
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How prime minister's mindset to look at rural sector in giving finance is dooms day for INDIA

Increase in middle class from rural sector to cities

Finance when given free of cost gets into savings increasing savings in towns and cities

Increase in principal amount with rural sector decreases interest rates for common man

Lesser payment of money which prime minister designed to give pension is never practiced

People have by nature lesser amount of money with them to give to banks

When they quadrapulate it increases higher payment much more difficult for institutions to pay till
death

The money charged was so small that even maid servant can pay and get pension from government

Government has fixed money of recurring expenditure born by Rahul Gandhi in near future

Common sense is to charge higher amount in lakhs from public where public is less and pay them in
smaller denominations as pension

Instead lesser amount of money and higher lumpsum payment on completion of 50 years of age of
public

Looks like being in poverty earning only 1.5 lakhs instead of 10 lakhs per month losing money in
elections he wanted to reward himself seeing pitiable state of politicians now days forgetting that rich
class have better understanding of handling finance because their awareness of purchasing books is
huge

Public has been given information from me that when you handle rich class, they possess knowledge of
investment strategy

Handling money is an art of keeping money of public intact which is done and is called successful when
mutual fund is lumpsum and not when mutual fund is hundreds

Higher amount of money into acceptance to lower amounts of payments is paid looking at death as
bonanza to succeed for scheme to be successful is achieved but government lost its head and paying
huge money with lesser money which any rickshaw fellow can pay
By nature, public would be happy with government because it has to pay lower figure of money for
lumpsum only to see that principal amount increase would eat away interest rates in other schemes

Common sense of government was to evenly balance the pension schemes by increasing number of
schemes in INDIA by distributing the public instead of keeping pension less and asking them to amass it
only in one scheme

Thought of the day

Finance is moral hazard

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How banks are creating artificial money by being non-proactive towards depositors in INDIA

Increase in money is happening by intimating late to the depositors that their account is negative flow

This increase in money payment is increase in capital flow of income which is not present in first case

Negative flows of money is payment made to self by increasing the debt towards self

How to create additional debt is creation of negative flow of money into bank

Banks should intimate of closing the account once it becomes zero but by creating deficit budget into
themselves they are increasing the debt on themselves by forcing RBI to mint money when need was
not there in the first place

This deficit budget they collect from the depositor and close the account and money they earn is
artificial amount of increase of debt from one bank to theirs

This amount remains in their account of bank as fees charged for closing the account

In case the account is not closed it can't be treated as income because it is not reduction of positive
account but additional creation of amount not into existence as decrease of money hasn’t happened

Deficit budget creation of government is defined as additional money to be taken to cover up the
investment planned by the government in near future
So if deficit is additional money to be created then banks creation of deficit is also not income but
money to be paid to depositor in some future or if depositor is not available stands as income earned by
closing the account by the bank, if account is not closed, it is taken as money earned to continue the
account of debt taken through depositor and continuing

If money is going on creating by negative flow of money artificial money can be created and if this
negative flow of money is compounded by keeping it huge it increases the money flow into market as
bad debts written off if not paid by depositor

Balance sheet profit decreases even though it was not needed to insert the journal in first place as
money is artificial creation and not genuine transaction of depositor

Money written off as bad debts decreased the profit of bank even though they did good business
because of lack of closing the account

Thinking money as income and increasing it and later suffering as bad debts of depositor under case trial
bank lost money if not paid and gained finance on payment made to it

If paid bank is safe but if it is bad debts and compounding also it has created artificial money on the
principal amount which never existed in first place as depositor doesn’t have money in bank and
whatever money the bank has stated is its own creation through interest rates charged through
compounding through creation of negative flow of money which never got minted by the RBI in the first
place

Thought of the day

Go on thinking, I can write till eternity on it

NEXT

Countries on which INDIA depends upon don’t do social service to our land

If you think that when famine would break out in INDIA foreign nation would lend food

Forget it it would never happen

INDIA depended upon food during famine time of INDIRA GANDHI time
America asked us to devalue the currency to 50 rs to dollar

If we don’t look at ourselves no other country would

They have their own population to look out for both evil and good

So don’t brow beat about altruism about foreign soil , they don’t do social service

America asks for intellectuals from other nations for their nation to be number 1 in world

America asks for labor from INDIA because it is cheap and they don’t have labor inside

We are the ones they look out for not out of altruism but out of necessity

We send our children to do their dirty work and asks them to live on their conditions and terms

We haven't formulated in any book I read that INDIA dictates NRI

On other hand NRI like to dictate us that we are bad and they are there to correct it showing us inferior

Their education is totally different and not higher because it is there requirement to keep knowledge
flexible because reason is they depend on immigration

Their education isn't superior but methodology makes them superior with less population to cater to

They again are dependent upon INDIA because their population would explode and INDIA is source of
how democracy succeeded even after being diversified religions

Public thinks foreigners are benefactors and internally INDIANS eat away brain cells of our,

But actually, they promote knowledge for their survival else poverty is rampant even in theirs

Never praise in front of me foreign soil because they live because they are forced to out of compulsion
and necessity and not out of altruism which I would never accept

They have butchered other countries because they want soft power and supremacy to prove who the
boss is

Indian BJP that’s why never promoted foreign companies to dictate terms to INDIA and asked ourselves
to be self-independent by grooming up our own country through our own entrepreneurship

Students think as if foreign soil companies are many and they would have lots of employment

My foot and tail, every company can maximum have 1000 employees beyond which they can't control
the flow of employees and it becomes unmanageable to their own capabilities is a fact

Now think how many foreign companies should come to INDIA every year
So, stop thinking that

Foreigners have a heart and would make beneficial student of our as theirs

They use students of ours to clean mess of their hotel industry for work because of labor problem

And need our girls to cook food for them because their ladies are lazy buggers and wouldn’t have
patience to cook food so our citizens with girls as children become their citizenship freely without
hiccups

They don’t have religion as barrier and anybody can marry anybody without any inhibition is their
broad-minded policy to negate their women as lazy buggers to cook food

In their language it is called slave industry

Thought of the day

Nobody does for anybody in this world freely, it has a cost to bear

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When any country substitutes a big stalwart of other nations what should INDIA do ?

Remove the nation from national security council and national general assembly

Generate report on the nation with justice of Hague

If found guilty have to be hanged to death

Else electrocution is also an opportunity

Guilty country should not relish by its citizens anything pertaining to operating system

Countries companies should leave the country

Public to be informed through authors

GDP growth of guilty nation to be kept at 2 percentage annually

Those who don’t like nation should be asked to choose their nation for their safety
Knowledge of the country which is found guilty must not groom up entrepreneurship in other nations

Muslim law should be enforced conservative side instead of liberal laws

Stoned to death is to be applied if guilty country representative is found of multiple accusations charges

In short Muslims and laws which are conservative should be applied in INDIA

Thought of the day

MUSLIM LAW and its crime rate decrease

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Land and entrepreneurship in association with farmers in INDIA

Purchase land from the government by entrepreneur through tender notice

Call up near by farmers to sell to city

Ask farmers to select the place of how much to occupy the land which has been got by the entrepreneur

Keep it permanent for the farmer to be safe in selling his vegetables and fruits

The market is open for 9 hours from morning to evening every day 7 days

Business which the market gets for the day, at the end of day entrepreneur gets 10% of it or more

Farmers pay rent for the usage of land

Pricing is determined by the farmers union based upon necessity

Number of markets to be opened like this across the city is determined by the chief minister

Sold by the government, purchased by entrepreneur, selected by the farmers union, approved by the
public
Thought of the day

Food crisis and role of raitu bazars or farmers market in Telangana

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Why china would lose and how to save minerals on the constructed land of its (INDIA)

Every nation has real estate which works day and night

If this rate of construction is faster than requirement

There are chances of losing minerals deposited inside the land

So, the best method to save minerals is to grow vegetables and fruits till land becomes barren

Barren lands are useful if it consists of minerals

Too excess land saved for agriculture, too usage of minerals for industrialization

Land vacant is better than raising buildings on it future use of land

Constructed lands can be saved of minerals and wealth stuck up in the land with contract signed that
after 15 years when building is to be collapsed and to be raised for usage tenants or owners have to pay
fixed sum of money every month through builder and ownership percentage to be determined with the
government on 10 to 15 or more based upon success of testing the land

Thought of the day

Land which has minerals and natural deposits in it is being converted to townships stupidly

NEXT
selling done by entrepreneurs through sheds construction of food in INDIA

Construction of sheds removes fear of rain and fire

Construction of sheds to sell vegetables and fruits can be insured also

Construction of sheds to sell vegetables can be closed down at any given point of time

Construction of sheds to sell fruits and vegetables can be done without fear

Construction of sheds to sell vegetables can be saved through fridges and cold storage devices

Construction of sheds to sell vegetables can be validated at any given point of time under profits

Construction of sheds to sell vegetables and fruits can easily be auctioned

Construction of sheds to sell vegetables and fruits can easily be pooled once construction is complete

Construction of sheds to sell vegetables can easily be accounted for through institutions

Thought of the day

Unorganized retail stores and sole traders through lease to farmers through construction of sheds

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How much you earn is not your decision, it is the decision of the family members in INDIA

Students unnecessarily have fear of doing entrepreneurship, it is family business

Teachers are scared to tell children that entrepreneurship is compulsory, it is family business

Friends don’t talk to each other for fear of being ridiculed, entrepreneurship is family business

Spiritual gurus talk about how to live the life of rich, but entrepreneurship is family business

Mother and father are scared of being pauper, entrepreneurship is family business
Wife is scared of having to give divorce as she can't take up tension, entrepreneurship is family business

Brother is scared of knowledge residing in another brother's house, entrepreneurship is family business

Without wife or husband coming one can't succeed in business as it is going concern concept,
sometimes rich sometimes you are poor, sometimes you have income, sometimes you can't prosper

Thought of the day

Business is family affair so talk to family instead of outsiders, it is you who have to choose not them

NEXT

Political funding of corporates to party leaders is to be channeled through employees of company in

INDIA

Employees get salaries every month based upon their contribution

Their CEO is associated with political party

Automatically company has to pay money for company to be safe for stability of political wing in the
state

Employees feel responsible towards their company and their security of jobs so pay money to corporate
through corporate fund every month

Fund thus collected by the CEO gradually over the month is used for benefits to employees

Discussions enfold as to usage of the fund and celebrations in corporate sector

If any employee leaves the corporate for unknown reason his sum of money paid to fund whichever is
left is paid back or decreased on grounds of security to employee welfare

Like this corporate fund is used for welfare of society and employees by giving loans sanctioning or
stability of company in the state welfare scheme by either doing political funding or family get togethers

Thought of the day

Creation of fund for welfare of the company employees when faced with bubbles in the society
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If you want to know your partner is ethical ask him to save money every day in INDIA

You would be tough in mindset and right partner

You are a weakling if you can't save money

You are unethical if you spend money without issue

You are wise if you know the art of how to live while saving for your partner

You are ethical if you love your kids pocket money expanding

You are ethical if you bulge the money of grandparents

You are ethical if you know how to reward with money parents of wife

You are unethical if you know how to spend outside and not save for rainy day

You are unethical if you know how to spend money in suites instead of dining

You are unethical if you don’t ask for own house and live in rented house

You are unethical if you don’t save money for your children's educational fund from the starting

You are ethical if you have money for pension from the start of your salary

Thought of the day

Ethical people keep family safe by savings,

unethical people keep the family in agitated mood by being spendthrift

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In INDIA States should depend upon each other and distribute wealth with each other

Maharashtra government if it thinks that by keeping money within its own state can win the battleship
of financial security, it’s a hoax

No state is independent

All states have core competency of its own which has to be utilized by other states for its advantage

State finance if it leaves the state government has the arsenal to increase its pension plans

Some states are good at banking, some at strategic department and some at supply chain management

If these state students enter the state by sharing finance with that state the state government can
benefit extremely

Wise states never keep money to themselves, it leads to mismanagement of funds in the form of
increase of money in their hands through interest rates being generated on the principal amount

If finance is distributed or shared with other states through inland trade country like ours can easily
groom up states of each other without looking for external funding through NRI

Thought of the day

Financial dependency through sharing core competency of each state to state government advantage
is knowledge of chief minister be it Andhra Pradesh else Maharashtra or else other states

NEXT
Poor feeding is a social injustice to humanity in country like ours (INDIA)

You are making poor people dependent

You are not making poor people independent

You have the items of food at your disposal to spare

You are not sharing that food and items with poor

Your are making them eat by boasting about your social service

You are not sharing the vegetable to make them cook food

You are trying to boast that vegetables and fruits you have in plenty to cook

You are not making them cook vegetables, rice and fruits which you can sparsely share

You are not sharing food

You are making them hate food even though you can give it to them plentily

INDIA by sharing food has food in abundance but there are no chefs

You are not grooming poor people chefs

You are actually belittling them that your state of affairs would not change

I have vegetables, rice, fruits to give you in plenty but you are not chefs

So, I give, you eat, I dictate, you decide your fate, I am chef cook, you are not

Thought of the day

Chefs need not be college pass, they can be anybody who knows how to cook and be an entrepreneur

END OF RESEARCH