Cashless Economy ...

Cashless economy - What is cashless economy? Being a banker it is always an interesting to talk about cashless economy. Working in a primitive bank has always its hazard like dealing with a lot of vouchers, deposit receipts, documents etc. Dealing with cash is always a headache for a banker especially while dealing with a large number of customers. Just imagine what a cashier has to
deal with when he has done over 200 transactions a day. He is almost exhausted at the end of the day. Even top bank officials are concerned about increasing alternate channels in banking so as to decrease the volume of physical transactions every day in a bank. The truth is that actually all bankers are fed up.

Now our prime minister modiji who brought on demonetization has asked the banks to promote cashless banking. He wants us to make use of atm cards, internet banking, mobile banking, mobile wallets, pos machines so that all the money is routed through these alternate channels instead physical handling of cash. Complete cashless banking is not possible in our society as small vendors retailers and individuals all deal with cash. In a country where literacy rate is ever increasing at a rate of 74 % and people are tech savvy surfing through internet using their smart phones all the time cashless bank is not a distant reality by any means. All these youngsters have to do is to spend a
little time learning to use these gadgets , i m sure they spend loads of time browsing throught their smart phone. The main motive to encourage cashless banking is to curb black money. Everything will be accounted in the future. Transaction of money is just a click away from your mobile phone. Cost of printing notes by reserve bank is lessened. It is just disheartening that educated people are opposing cashless banking just for the sake of opposing pm modi just because they are modi haters and they want him to fail miserably. Hence they are arousing the poor people against modi.

All the reasons why a small percentage of modi haters opposing the move to enhance cashless banking is everything is politically motivated.Cashless banking is actually a good move especially which is followed by developed countries all over the world. India is a developing country.
If india has to grow as one of the leading economy in the world it has to do things like this. I m sure educated people will embrace these changes with both hands. Lets hope India will be a cashless economy in years to come.

Demonetization !!!

Demonetization in india was announced on november 8th 2016 by our prime minister Shri. Narendra modi. Like everyone i too got surprised by this unique decision. All the 1000 and 500 rs notes will be soon invalid and new 2000 and 500 rs will come into existence. I didn't get the logic at first, but when i gradually delved into the subject it became more clear. The root cause of the majority of problems in india is associated with these notes.These notes are used to fund terrorism, naxalism, political anachy and everything illegal. Unaccounted money is the source of all corruption. While salaried people like you and me pay our income tax. Real estate mafias and black money hoarders are having a gala time.They deposit all the money in co operative banks where there is no income tax and all illegal accounts can be kept safe with out any botheration. In fact these co operative banks are the swiss banks in india. Now after more than one months see what all has happened . stone peltering has been stopped in kashmir. All of pakistans fake notes has turned to garbage. Now kashmiri youths are focusing on earning their livelihood. Political killings in kannur has stopped all of a sudden. Professional killers who are hired for political killing now have to be funded from proper accounts using internet banking than from black money. Real estate dealers are devastated as they can no longer evade tax and loot public money. The unbearable inflation in our country and state is all due to black money.  Ofcourse it has its negative effects also as most of the people still dont use alternate channels and still depend on solid notes. While if you use less cash it is better for you.



All these long queues outside the atm will lessen as the days progress. If everyone dreams of a corruption free inflation free india you have to make a little sacrifice by standing in the queue. All those fools and illiterates who foulmouth modi will one day say that he was a gem. But then another set of idiots might have joined college who will be mentally manipulated by college parties like sfi. Just think of what this move will bring to our future from neutral point of view and think that this move was not implemented by modi. You will feel that it is a good move. Opposers are simply opposing just because they can't admit that their sworn enemy modiji has implemented this move.  The enemies will go to any extend to see the downfall of modi. because the mud is sliding right away from their foot.

Comedy Party oF India ( Manders)

Yeah i m talking about the ruling party in kerala. Since i was 18 i was always disinterested in politics. As i felt it was a cheap affair involving 2 parties the udf and ldf. Bjp was not that talked about in kerala.udf was the party of white collars and the legacy of rajiv gandhi and indira gandhi still lives on. But ldf party was the party of poor which make them interested in politics by paying them to be involved in politics not because of their interest but they will be rewarded handsomely if  they give support to the so called leftist leaders . so the poor people who get biriyani and a quarter of ocr rum just to march to the secretariate. The thing is that khana aur paisa bahut kutthii chees hai jo insan se kuch bhi karwa dethi hai..

  kerala has always gone backwards under ldf rule.  There may have been great communist leaders in the past who left everything for the poor. But now the show is run by morons who want nothing but their personal welfare.  People are often fooled because  majority of kerala, people's intellect is very low. They often lose the thinking power. In a country like india where minorities are given so much freedom and liberty. ldf is accusing the nda govt of spreading communalism. But the fact is that nda govt never does that. The bjp govt under narendra modi has been the least corrupt govt till now. As they have nothing against them they invented communalism, casteism  which is not propagated by bjp but the people itself. I have friends in the north who know the situation better than the leftist idiots in kerala. casteism still prevail in north india. but it is down to the people. and here in kerala the (ldf) paid news channels like kairali, reporter and asianet portray that the bjp is responsible for all this while the fact is that north india the high handedness of casteism is prevailing since centuries. The fact that the number of pro leftist news channels increasing and anti leftist news channels in kerala is decreasing is down to the fact that ldf is investing more on paying them to praise them and attack opposing parties than doing any thing good for kerala. while if they had invested in the development of kerala would have been one of the best state in country in terms of infrastructure and roads. While most fake news channels sing praise of pathetic ldf govt just to fill their pocket. Now the news business is more profitable than anything as political parties use it to brainwash people.

   There is an incident which i remember during 2010 while the previous cm achumama s ldf was ruling. The roads in trivandrum were living hell full of gutters. riding bike was very dangerous and hard on roads in trivandrum. if a pwd work starts it never gets finished. it will lay dead for years. there is no solution. but suddenly one day i realised that the roads have all been mended and repaired. Then only i realised that udf has come into the throne. whatever evil they might have done through bribe or corruption but udf has done commentable work by repairing and building well built roads which the ldf govt would have never done even if they were in power for 25 yrs continuously. college and school politics make students interested in SFI. That is why most of the youngsters get attached to ldf. But college strikes cannot be compared to real life politics as you have to see what is happening around you and analyse the work done by the govt. The present ldf govt is full of promises but no end work just like the achu mamas govt which destroyed kerala 6 yrs back.The present ldf govt is full of threats and evil as the party secretary has declared open war with rss and are killing hundreds of rss workers in state. Still some shitheads support ldf because they are as shitty as the party itself. But one day people will realise that they are ldf ( luck driven force) who do nothing for the people but for themselves and the democratic people will throw them away from kerala and may be from india as well.

3 Mistakes of his life........... Sir Alex Ferguson..

Sir Alex Ferguson. The greatest ever football manager alive. He is one of the reasons why Manchester united became one of the best club in the world perhaps a household name in every football loving nations. He nurtured the 'class of 92' The academy graduates who went on to became legends like David beckham, Ryan giggs, Paul scholes & Gary Neville often called ' Fergie's Fledglings'. Under sir alex ferguson manchester united became one of the feared and most famous clubs in the world. 3 times world player Cristiano Ronaldo, Wayne Rooney, Nemanja vidic, Patrice evra all developed into world class players under his guidance and coaching. he is considered as a master mind and genius manager. He had this knack of finding young talented footballers who had the potential to make it big


         But somewhere around he was losing this knack as he often made big blunders in the transfer market especially during the end of his coaching career. He made a number of signings like bebe, zaha, obertan, tosic who couldn't even make the first team. It can be forgiven given the fact that not much was needed to buy them. Some youngsters don't develop fully according to their potential.

        Sir Alex Ferguson has let go 3 huge players to leave manchester united which left a irrepairable damage on the squad.


1. Cristiano Ronaldo

   Coming from sporting lisbon as raw 18 year old Cristiano ronaldo showed glimpses of his talent. |He was more of a dribbler than a good footballer. His first season was all about running past the defenders and show boating but lacked finishing infront of the goal. But under manutd coaching staff he developed into a world class footballer and even won the world footballer award in 2008. but he left manchester united for real madrid for a 80 million pounds which was a far lesser fee than he could have fetched he was worth atleast 120 million pounds at that time. Now see what he has done. He has become a goal machine at real madrid winning the world footballer award twice and scoring 364 goals in 348 games which is insane. It was one of the blunders of the century that too coming from a manager like sir alex ferguson.


2.  Carlos Tevez

  Carlos tevez first signed for manutd in 2007 on loan he quickly formed a formidable partnership with wayne rooney terrorising opposition defences. Just when he was becoming a fan favourite at old trafford during his second year sir alex ferguson got interested in signing dimitar berbatov from tottenham hotspurs. Sir alex was more inclined towards signing berbatov than signing carlos tevez  permanantly. Tevez could have been signed permanantly for 25 mn pounds but sir alex opted to buy berbatov and tevez was ignored. Berbatov became a permanant team member sidelining tevez to the bench who was clearly more talented than berbatov in terms of scoring goals. In 2009 carlos tevez opted to join manchester city instead of manutd. He went on to score 73 goals in 148 games which is very good compared to what berbatov scored for united in his 4 years at united. Manutd sorely missed him just because of a mistake from fergie.


3. Paul Pogba

  This is the ultimate. Paul pogba joined manutd as a kid in 2009 and was thriving at the under 21 level and had all the qualities to be future star. But in 2011 when the manutd midfield was depleted with injuries fergie decided to recall the retired paul scholes to the team rather than giving the emerging paul pogba a chance in the first team. He was begging for playing time and was often treated shabbily by the manutd manager. Resultantly pogba left  manutd as a free agent to juventus. Since then he has won 4 serie a title with juventus under 21 world cup with france and has become one of the top 5 footballers in the world. Now on 2016 the new manager Jose mourinho has signed pogba for a world record fee 92 mn pounds. some one fergie sold for a meagre 1.5 mn pound in 2011. this is the ultimate mistake from fergie making manutd look like a joker's club. juventus made a profit of 61 mn pounds in this deal.
  

Charlie - Malayalam movie

 The Movie 'Charlie' released in 2015 was a blockbuster and trend setter and was one of the highest grossing mallu movie of the year. college kids began copying dulquer's get up and attire just like they admired Nivin Pauly's premam look. But what i learned from the movie is that the films nowadays have no substance and story and still they could make money.

Now coming to the movie dulquer plays a wanderer who lives a bohemian life and is a selfless guy who lives for the smile of others. That is well and good and quite inspiring. He leaves a comic of his story in his apartment and leaves for a long journey. And then a girl 'Parvathy menon' comes out of no where and settles in the apartment left by dulquer and by reading the comic she falls in love with dulquer whom she has never ever seen in her life. This is quite hard to believe and there itself the charm of the movie is lost just like gorgeous heroines in tamil cinema who used to fall madly in love with mega star vijayakanth It looks like Martin Prakkat the director has tried his best to increase the star value of dulquer through this movie while nothing is there in it apart from the melodious songs,amazing locations and cinematography. The movie leaves a lot to be desired after this much hype. It is proof enough that the standard of the movies which are released these days have fallen drastically down. Gone are the days when movies like chitram,godfather,oru vadakkan veera gatha used to make news for their story class and aura.Now people especially college students tend to imitate these get ups where the film is hardly a mediocre affair.

                                      More over the film has swept the state awards and dulquer won the best actor for god knows what. His get up? or for being mammooty's son? while actors like jayasurya (su su sudheevalmeekam) and prithviraj (ennu ninte moideen ) were overlooked . It reminded me how saif alikhan won the national award for Hum Tum for just being Sharmila Tagore's son who was one of a jury. Of course  Dulquer is a good actor but he has never been a class act can be compared to abhishek bachan of bollywood. Sorry guys but the mallu audience have to lift their standards

My rating for the movie.....          2/5

Why Narendra Modi For India?

Why Narendra Modi for india?  After Atal Bihari Vajpayee there has never been  a great leader for India and after 10 years of mute leadership under MMS (Manmohan singh) which was a family affair of the italian indian conglomeration India's governance was in tatters and in desperate need of a rejuvenated leader of courage and vision. Yes , Narendra damordas Modi is an idealistic visionary leader who leads from the front and someone who wants to something for the country other than indulging in corruption and scandals. The much maligned UPA govt who focussed in making money and making family business grow did much more for themselves than the country. Much of the money is in swiss banks which cannot be tracked and identified.As they grew in wealth and stature the poorer India became. Like AB Vajpayee who was a chronic bachelor Narendra Modi is a divorcee who has no family to look after and he cares so much for the country.

                                               yes, Time has come for the indians to value the country more than a particular family, individual or political party. At the end it is what a govt has done for its people they care than the so called principles and values of a political party which is only written in papers and not practically followed just like the ldf party in kerala. Fake news channels going gaga behind the beef gate controversy slamming bjp often forget that slaughter of cows or beef were banned by the congress govt of those states only. While if Narendra modi goes on international visits on foreign countries to strengthen the bond and relationship between the countries itchty media always think he has gone for a leisure trip.The so called pseudo sickulars like Kanhaiya kumar who blame the army officials often forget that they are given subsidized education only from the pocket of govt of india and not from some particular left parties election campaign fund.

        Only a selfless leader can lead the way from the front without any botheration. In Narendra modi India has found the answer for a decade. There is no doubt if he leads as honestly and sincerely he is doing now ..NO ONE CAN STOP HIM....COME ON MODIJI...

Living with Bread & Jam

Life away from home is never easy especially when you are working in a bank. So i left home 2 months back and as soon as i left trivandrum tragedy struck right in the capital city of God's own country. shawarma took the life of many people. the reason behind the tragedy is attributed to food poisoning and post the tragedy if you order a shawarma in any hotel even the waiter would give an astonishing expression. The killer shawarma shook kerala by surprise . it resulted in raids in hotels all over kerala. the hotel owners also showed their resentment by observing strikes and hartals causing trouble to people like us who stay away from home and depending 24*7 on hotels.

But this is not going to dishearten us . people like us have to eat this when ever their is hartal . in a state where every friday could be a hartal people can live with bread and jam also. be it hotel raids or arrest of notorious politicians no one gives a fuck about hartal. i should thank the person who invented bread and jam. it may save a day for u.