CHAPTER – 20
CHAPTER – 20
Advise Story:
Everywhere some problem or the other exists.
There are people who deceive colleagues and employees we come across below type of activities in each and every office, factory, and government offices.
Because of such incidents, many people/employees suffer financially being deceived by deceivers.
However, people are intelligent to recover their investments, losses and doubtful credits and deposits.
People, sometimes do realize about their past misdeeds & wrongs and mistakes.
But, the time cannot roll back.
Time will not stop.
Day-by-day people get older and older.
One should know the objective of life, goal, responsibility and more than all a concrete plan of action to settle down in his/her life.
Such disciplined people would be able to guide the youth and the younger generation people, to the righter perspective angle.
Of course, some people commit mistakes and mistakes do happen.
People commit such mistakes could be rectified.
People move in the public life and people live in the society for all purposes viz, education, career, business sake.
Different types of people come across to each and everybody with various ideologies and with varied frame-of-mind set.
These days are such that many people get influenced on various good and bad issues and during the process of business transactions some people land in problems due to mishandling the topics.
The reasons could be many.
Who will monitor such people?
Who will give proper advice to such people?
Who will come to rescue and who will guide such people?
One cannot answer these questions.
In this aspect, one will be able to understand how a person got entangled in problems, could be known if one goes through the below matter.
On one day or the other, any deceiver is sure to land in trouble.
Inviting trouble is sure for a deceiver.
There are people who initially invest his/her share in the business.
No matter.
But, at some day, without the knowledge of the investor, somewhere some pilferage of money will take place during the running of the business.
May be due to luxurious leading life for the sake of show put.
The business in this world is of very different types such as, Small business, petty business to big business.
Small scale industry to medium scale industry, Trading business, share market business, finance business, automobile business, cosmetic consumer items business, garment business, construction business, gold and silver business, electronic business, contracts business so on and so forth.
The investment of a person depends on the size of the business.
In India, many people do business of their interest in various regions and at various places.
Even employees of State, Central and Public Sector Organizations do side business, while working.
Let us now know about some incidents that landed people in trouble and take a look how a “deceiver’s life” would be.
For example, some case studies are projected below:
One employee of a factory, who was working as a Tradesman, started chits business and money lending business and used to conduct various denomination chits each month.
He also used to lend money to his co-employee for interest. His name was Mr. Rao. Of course, he might have invested his own amount to commence this business.
In a span of over 10 years, he conducted many chits and earned money.
He even purchased a ‘small scale industry’ and was doing sub-contracting jobs.
He used to maintain utmost confidentiality and was doing money matter with his colleagues and employees.
He used not to tell anybody regarding money matters.
Mr. Rao used to request people to re-invest the principal chit amounts from the chit holders for which Mr. Rao used to pay interest.
Mr. Rao also used to take his colleagues PF and other loans for running the business un-interrupted.
However, Mr. Rao used to pay interest regularly to such employees.
Some years passed on like this. Mr Rao has gained the confidence of all the colleagues.
Mr. Rao was able to manage any short fall of money by arranging money drawn from his PF loans, consumer loans, credit loans, bank loans etc., to save his face value.
Mr. Rao was a short man, around 5’-2” height and little bit fat.
He used to wear total white dress always.
He also used to wear ‘white shoes and complete black cooling glasses’.
Many employees kept their PF and other amounts, thinking that high rate of interest used to get monthly in return for their principal amounts.
Of course, he used to make chit amounts, interest amounts to all his customers.
On one fine day, when he knew that he could not raise any money for making payments to customers, including chit amounts, Mr. Rao felt nervous and was not able to make any payments timely to his chit holders and others.
Mr Rao even was frequently absconding to office and was irregular in attendance.
He used to come to office, work for one or two hours and used to push off from office.
Of course, no mobile phone was allowed into the factory premises.
He even discarded his home landline phone.
He was very much helpless in making any payment to anybody.
Mr Rao used to get zero salary, as he has many salary deductions, in view of his taking all types of loans.
He was on ‘loss of pay’.
On one fine day, in office he took some sleeping pills (limited quantum only), looks to be acting and show put up drama, with a ‘note written’ that he would like to die.
Noticing health the condition, Mr Rao’s colleagues taken him to hospital.
He was treated for 3-4 days and was discharged from hospital.
Now, the problem started.
All the chit holders, deposit holders and others who have to receive money from him, were restless.
All these people had a meeting one day and how to get the amounts back.
Then, these chit holders and deposit holders had come to conclusion.
The small scale industry which he purchased was to be sold.
The proceeds derived of the sale of Mr Rao’s industry, is to be distributed as per priority basis.
These people also have come to conclusion that Mr Rao be allowed to work for some more years regularly.
His monthly salary etc., is distributed equally to all. Mr Rao to be applied for ‘Voluntary Retirement” under VRS scheme and the proceeds be distributed amongst all the recipients of money.
No complaint was lodged against Mr Rao with the ‘Police or with the Management’.
However, Mr Rao’s family and children got disturbed due to Mr Rao’s financial mis-management. Mr Rao became de-popular, lost his face value, no employee used to respect him; some people banged him and abused him.
Much has costed Mr Rao.
Totally, his family was on roads for few years.
He and his family never recovered financially so far.
A couple of similar cases also took place in the same factory.
Then, all the employees realized neither to organize any chits in the factory premises nor to keep deposits with any employee for the sake of higher interest.
All the employees, learned a lesson from this and stopped chit business activities.
Factory managements should not allow such chit fund activities to run within the factory/office premises in the best interest of their employees.
Some stringent actions to be taken against those conducting chit fund business, money lending business during the office/factory hours.
Every respect the Government organizations should issue orders that no person should conduct any chit business, money lending business or any business or chit fund schemes or any cloth business etc., within the office/factory premises.
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