In large metro cities like Mumbai, Delhi, Bengaluru, many of the large stores are accepting credit and debit cards without any charges, however in small towns with a population of less than 35000, most of the shopkeepers are charging 2% extra for credit and debit cards, so most people are used to paying by cash in these small towns and have kept cash ready for emergencies. This also the reason why some banks like Kotak Mahindra were offering credit cards for account holders in metro cities and not in small towns.
So the decision to scrap Rs 500 and Rs 1000 notes is a major problem in small towns, because most people have not activated or used their credit or debit card for a long time and are also short of cash. In small towns, villages the volume of business is very low for most retailers, so they cannot afford to get a machine for swiping a credit and debit card. So while depositing money in the bank account is the recommended option, there is always a fear of penalty and an income tax enquiry.

Though officially using Rs 500 and Rs 1000 notes is now illegal in India, and most people are surprised, it appears that there was a lot of manipulation going on, and those who were well connected were aware of the fact that the Rs 500 and Rs 1000 notes were going to be banned and had taken action accordingly. For example a gujarati newspaper on april fools day had published the news that the government was going to ban Rs 500 and Rs 1000 notes. The media also reported that the BJP in Kolkatta had deposited a large amount of cash in their bank account Rs 3 crore, some of the cash just before the Rs 500 ban was announced. It is clearly an unfair decision, that well connected insiders, especially BJP members have an unfair advantage, like insider trading in the stock market

Instead the ingeneous indian citizens are looking for different ways to get rid of their old Rs 500 and Rs 1000 notes with depositing cash in the bank being the last option.
According to investment advisors , the preferred option is going to be asking farmers to deposit the cash in their bank account . since agricultural income remains tax free in India, without any limit at all, the money can be withdrawn without any problem later and returned to the person who had stashed the Rs 500 and Rs 1000 notes
Another option is ask poor people with income less than Rs250000 to deposit the amount in their bank account and then gradually withdraw the amount in the new currency of Rs 500 and Rs 2000 or repaid by cheque. the amount can be shown as a loan, which will be repaid later.
A third option is purchasing high value small items. Gold and jewelry is the most popular purchase, however raids are being carried out on jewellers involved in gold trade with old currency. A newspaper reported that a retailer of high end luxury watches costing Rs 1 lakh or more each in Goa had done brisk business and was out of stock. Another retailer was reported as saying that he had done a lot of business, thrice the normal diwali sales. Some retailers are claiming that their bank manager told them to accept the old notes, as they can be deposited in their account.
It appears that smaller retailers who are politically or otherwise well connected are accepting Rs 500 and Rs 1000 notes, especially if they have very few customers, and slow moving stock. On the other hand, the largest retail stores, computer stores and other stores are not accepting old currency especially if they are in locations which are closely being monitored, as they cannot afford to incur the wrath of the government
The last option to get rid of Rs 500 and Rs 1000 notes remains getting the currency exchanged at any bank with a limit of Rs 4000 per person. Some of the banks like Kotak Mahindra are allegedly only exchanging currency for their existing account holders, while other banks are exchanging for everyone. In some banks like Bank of India, the person has to go to the managers cabin for withdrawing, in other banks like Oriental Bank of Commerce, there is less rush, and the process of exchange appears to be easier. However till November 11, 2016, all the banks in goa only had Rs 2000 notes, no Rs 500 notes are available which is creating a problem as it is difficult to make purchase with Rs 2000 notes because few shopkeepers have enough change for Rs 2000, so these notes are likely to be hoarded again.
Officially a person who has exchanged Rs 4000 is not allowed to exchange more money for the next 14 days, RBI is checking the identity of a person before the money is being exchanged. The form for exchanging the Rs 500 and Rs 1000 notes is the same across india
Out of the 2 lakh ATMs in India, only 1 lakh are operational, because the remain ATMs have to be recalibrated for the new notes which is going to take a long time. In 2016, most people are using ATMs to withdraw money, now everyone has to go the bank. It appears that the move to ban Rs 500 and Rs 1000 notes was very poorly planned, all aspects were not considered before taking a decision.

Retailers, service providers who are accepting Rs 500 and Rs 1000 notes are doing brisk business in India today. If you are aware of any retailers or service providers who are accepting Rs 500 and Rs 1000 notes, send an email to info@textads.in

CBI is directly responsible for most of the currency exchange chaos all over India as it is wasting a huge amount of indian tax payer money giving a monthly salary and great powers for google, tata sponsored fraud housewives, sex worker and other cheater indian intelligence agency employees who never answered JEE with fake resume including btech 1993 ee degree, fake work, fake investment.
In an indication of the extreme incompetence of cbi, they are falsely claiming that their inexperienced employee goan gsb fraud housewife extortionist riddhi nayak, eighth standard pass housewife naina, mother of two sons, goan sex worker R&AW employees slim goan obc bhandari sex expert sunaina chodnekar, 2013 bsc, 2012 goan gsb fraud diploma holder siddhi mandrekar, gujju fraudster asmita patel, shivalli brahmin cheater housewife nayanshree hathwar, indore housewife veena, deepika, ruchika and others have the resume, including btech 1993 ee degree of a brilliant experienced single woman obc engineer competing with google adwords
The arrogant powerful cbi officials are so blinded by their power and hatred, that they think that repeating lies for years, will create an illusion of truth and no one will question their lies. The male chauvanist cbi, ntro officials also refuse to acknowledge the very great difference in the planning and professional skills of an engineer who has handled a large amount of money for many years, and is one of the largest independent female investors in the country, and a housewife who has only managed her house, never worked professionally and has no money of her own.
Most of the largest companies in India like others elsewhere spend a lot of time and money training their employees, they often have a bond that their employee cannot leave within 3 years, yet cbi, ntro, tata , google officials think that there is no difference in the competence, experience between an inexperienced mediocre lazy greedy fraud housewife looking only after her house and family, and an experienced single woman engineer who had one of the best JEE rank in western India among women and has become the largest female domain investor in India without the help of her family members, relatives or friends

So as cbi, is falsely claiming that their lazy mediocre fraud employees like the google, tata sponsored goan gsb fraud housewife extortionist riddhi nayak (who looks like kangana ranaut) who never answered JEE, never got any engineering degree has the impressive resume of a obc single woman engineer with a btech 1993 ee degree to give the fraud riddhi nayak great powers , it does not change the fact that the google, tata sponsored goan CONWOMAN CBI employee riddhi nayak is only a mediocre lazy section 420 fraud, whose main ambition in life was to get married.
Till the goan gsb fraud mafia of caro, nayak, mandrekar in indian intelligence and security agencies made a deal with google,tata that they would abuse their discretionary powers as government employees to ruin the life of a google competitor with a btech 1993 ee degree if google would get jobs for their relatives riddhi nayak, siddhi mandrekar with fake resumes, faking a btech 1993 ee degree , riddhi nayak’s only experience was in looking after her house and family.

So however much top security and cbi officials may repeat their lies promoting mediocre lazy goan gsb frauds like riddhi siddhi , these women are only experts in seducing powerful men, they are not suitable for planning and implementing any large scale operation because they have never worked as engineers. trained and experienced engineers unlike the 10 google, tata sponsored fraud R&AW/CBI/ indian intelligence employees faking a btech 1993 ee degree, are able to anticipate all problems and take measures accordingly
As long as the indian government continues to delude itself that the google, tata sponsored fraud indian intelligence employees with fake engineering degrees are trained and experienced engineers, the currency chaos is likely to continue as these intelligence employees are world class frauds.

Though the indian media, ntro falsely claims that google is the perfect search engine, it has extremely poor inaccurate search results which are fundamentally junk as part of the policy of promoting well connected webmasters who use google adsense
For example for “cpm advertising low minimum payout”
the top result is ytechweb.com/5-best-cpm-ads-network-with-minimum-payout/
the webmaster may have done excellent seo, however the result is not accurate
The google user is looking for an ad network with a minimum payout of $0.01 or a similar value , instead all the websites listed at ytechweb have a minimum payout of $10 or more ,which is hardly the kind of search results the google user is looking for.
There are many websites, ad networks with minimum payout $5 or less and $10 is not the lowest payout online

The second google result is also inaccurate, .informationdairy.com/2016/06/top-15-best-cpm-ad-networks-for-low-traffic-websites-blogs.html
specifying the minimum payout for adhitz as $100 when it is actually $25 and for yllix media as $1 when it is actually $5

Despite google having junk results, ntro continues to behave as if google is the ideal and perfect search engine, wasting tax payer money to help destroy competition . NTRO is quick to label the websites of a google competitor as spam, only because iit kharagpur 1993 gold medalist sundar pichai led google has got 10 relatives, friends and sex partners of these ntro officials like brahmin fraud nayashree hathwar, goan sex queens slim goan obc bhandari RAW EMPLOYEE INDIA TOP CALL GIRL sunaina chodnekar, siddhi mandrekar, riddhi nayak, lucrative R&AW/CBI/indian intelligence jobs falsely claiming that these fraud indian intelligence agency employees who never answered JEE have the btech 1993 ee degree, resume, investment and paypal account of the google competitor

When will ntro officials be more professional, competent, honest, patriotic and stop blindly believing whatever the google officials are telling them, and wasting indian tax payer money to destroy the life, finances and health of a harmless google competitor, falsely labelling her as a spammer, when actually google serp top positions are reserved for spammers

To destroy competition in India and continue making millions of dollars in profit, the iit kharagpur 1993 gold medalist sundar pichai led google is involved in a very major fraud on link sellers , female domain investors, bribing ntro officials like parmar, puneet, j srinivasan, vijay, anish, patel and others to steal the resume, memory of experienced webmasters for lazy greedy goan sex workers, cheater housewives and other mediocre lazy greedy frauds to get all these frauds lucrative R&AW/CBI/indian intelligence jobs, deny the google competitor the income and opportunities she deserved.
Now though NTRO, CBI, R&AW, security agencies, the indian government is falsely claiming that the 10 lazy greedy mediocre google, tata sponsored fraud indian intelligence employees are online experts and domain investors to waste indian tax payer money paying all these frauds a monthly salary of Rs 20000 or more, none of these greedy google, tata sponsored R&AW/CBI/indian intelligence employees know much about the internet and are least interested in improving their online skills or knowledge.
The media reported that though the goa government wanted every panchayat to have a website, only a few actually have a website, and they cannot update it because the fees are very high , rs 60000 a year for annual maintenance and Rs 5000 for a update.If the real online expert, domain investor being impersonated by 10 lazy greedy fraud R&AW/CBI/indian intelligence agency employees was given the opportunities she deserved, her resume was not stolen, she could have atleast trained people in goa who could then provide the necessary services for website development and maintenance at a more affordable rate.

At present the indian and goan government is falsely claiming that the google tata sponsored goan SEX WORKER RAW employees slim goan obc bhandari slut sunaina chodnekar, 2013, bsc, goan gsb fraud diploma holder siddhi mandrekar, shivalli brahmin fraud bengaluru housewife R&AW employee bbm nayanshree hathwar, goan gsb fraud housewife extortionist cbi employee riddhi nayak, eighth standard pass housewife naina, gujju domain fraudster asmita patel, ruchika, indore housewife bespectacled veena, deepika, and others are online experts, owning this website when these fraud indian intelligence employees have never registered a single domain name and never managed a single website

In reality the goan sex expert R&AW employees sunaina, siddhi are only interested in having sex with powerful officials, enjoying themselves, while other indian intelligence employees are only interested in looking after their home, and family , enjoying themselves , though they are getting a monthly salary from the incompetent indian government for FAKING ONLINE EXPERTISE more than 4 years with the help of their fraud,blackmailer friends and relatives in ntro, cbi and security agencies. Why google, tata, ntro continuing to falsely claim that these sex experts and other frauds are online experts?

It is reflection of the extreme corruption and SLEAZE, SEX BRIBE CULTURE IN GOA that NTRO, CBI, RAW, SECURITY AGENCY officials in goa are refusing to acknowlege a domain investor owning, managing and developing more than 199 websites for less than Rs 99000 a year and falsely claim that 10 lazy greedy goan SEX WORKER, cheater housewife and other fraud R&AW/CBI/indian intelligence employees are online experts, domain investors, owming this website to waste indian tax payer money paying all these sex workers, cheater housewives and other frauds a monthly indian government salary of more than Rs 20000 each .
If the depertment of panchayats in goa will approach the google, tata sponsored SEX EXPERT R&AW employees slim goan obc bhandari sunaina chodnekar, 2013 bsc or goan gsb fraud diploma holder siddhi mandrekar who the indian governmemt falsely claims are online experts, the domain investor is confident that these women will not be able to manage any website, their great skills is having SEX with top officials. Only in goa do the shameless fraud security agency, cbi, raw, NTRO OFFICIALS falsely claim that eighth standard pass housewife naina mother of two sons who has never operated a computer, goan gsb fraud housewife riddhi nayak, shivalli brahmin cheater housewife R&AW employee bbm nayanshree hathwar, flirt domain fraudster asmita patel, indore housewife veena, ruchika and others are online experts, when none of these google, tata sponsored fraud indian intelligence employees have owned, managed or developed a website.

Goa is the only state in India where the panchayat cannot afford to update its website because the development company is charging Rs 60000 a year as annual maintenance and rs 5000 as update charges, while a online expert who is managing, updating more than 199 websites for less than Rs 99000 , or 1 website for less than Rs 500 a year, is defamed as an uneducated fool, denied the fundamental right to privacy and to earn a fair living, correspondence diverted, because cunning fraud ntro, tata, google officials are falsely claiming that goan sex workers and other frauds own and manage the websites

Why are senior intelligence and security agency officials in goa so unwilling to acknowledge the time and effort required to manage the websites, why blindly believe the fraud ntro officials j srinivasan, puneet, vijay, parmar, anish, patel who falsely claim that their mediocre lazy fraud relatives and friends are online experts to get all these women a monthly salary

So because the iit kharagpur 1993 gold medalist sundar pichai led google is extremely ruthless in destroying competition and denying opportunities to an experienced engineer, link seller, domain investor and google competitor, bribing top officials to waste indian tax payer money to do so, she cannot help government organizations, NGOs update their websites or train anyone else to do so

Cyrus Mistry and Ratan Tata are related, yet their feud continues to get a lot of coverage in the indian media . This is karma, as tata along with indian intelligence agencies has been ruthless in bribing relatives to betray honest hardworking indian citizens, especially paypal account holders and domain investors. For example indore housewife veena was and is only looking after her house and family, yet tata, google allegedly bribed top ntro officials like puneet to falsely claim that the fraud housewife veena , who knows nothing about the internet, was an online expert, to get her lucrative R&AW job faking the resume of the google competitor, a relative who made the mistake of trusting veena .
Now ratan tata is upset that cyrus mistry was selling off the businesses which he had purchased or developed, when tata has been allegedly involved in great frauds in the indian internet sector , where did all the ethics disappear.
Why was google, tata so dishonest in defaming, denying opportunities and income to a domain investor, paypal account holders and falsely claiming that the indore housewife veena and other frauds like goan sex worker R&AW employees sunaina chodnekar, siddhi mandrekar, goan gsb fraud housewife riddhi nayak, shivalli brahmin fraud nayanshree hathwar, asmita patel, ruchika, naina, and other frauds are online experts, own domain names including this one, to get all these frauds a monthly salary of Rs 20000 or more from the indian government

Making a mockery of the education system in India,, the indian government, cbi, security and intelligence agencies especially in goa allegedly bribed by the iit kharagpur 1993 gold medalist sundar pichai led google are falsely claim that a mediocre lazy fraud gujju housewife naina, mother of two sons, who has only passed eighth standard, is an experienced engineer to waste indian tax payer money paying her a monthly cbi salary of Rs 20000 or more
The google,tata sponsored housewife fair complexioned housewife naina with rosebud lips, openly admits that she has only passed eighth standard, has never used a computer or internet, yet allegedly bribed by the sundar pichai led google, top cbi, ntro, security agency in goa officials especially parmar are falsely claiming that the eighth standard pass housewife naina , has the resume, investment, websites (including this one)and paypal account of the google competitor, a harmless single woman engineer.
CBI, NTRO are quick to harass harmless domain investors falsely claiming tax evasion, black money, can these CBI, NTRO, security agency officials in goa justify in an open debate why indian tax payer money is being wasted paying a mediocre uneducated housewife naina, a monthly salary for a fake resume, fake investment, fake work, Why is CBI, NTRO refusing to investigate the waste of tax payer money, for many years, why are they are pampering an uneducated housewife?
Income tax returns, financial records and surveillance will easily prove that the eighth standard pass cbi employee housewife naina has never made a single penny online or held a job in her life or invested any money online , yet why is no action taken against the NTRO, security agency officials making fake claims to get their girlfriend a monthly salary from the indian government, wasting indian tax payer money.

When will the fraud of NTRO officials end?

After the second world war, the united states imposed a lot of restriction on the defeated japanese, yet in 2016 the japanese are at least mentally free and their tax payer money is not wasted to harass and torture harmless japanese domain investors.

On the other had, india claims to be a democracy, yet a huge amount of indian tax payer money is wasted to destroy the life of harmless indian citizens to please CIA, NSA and help american companies like google make profit. Effectively india has become a country controlled by the United states because top officials in India are on the payroll of google, tata, CIA, NSA and will do whatever NSA, CIA will order them to

For the NTRO, security agency officials, daily Japanese are registering 100 or more expired domains to make a huge profit, while indian citizens who register 10 domains a month are labelled a security threat without any proof to defame, cheat, exploit and torture them,. For the indian security , ntro, cbi officials some examples are given below.
?grabback.info + DNS

 

Registrar: GMO Internet, Inc. d/b/a Onamae.com

Created: Wednesday, November 2, 2016 | Expires: Thursday, November 2, 2017

Name Servers: ns11.value-domain.com, ns12.value-domain.com, ns13.value-domain.com

Registrant ID
1E74796FBF1FD3

Registrant Name
Whois Protection

Registrant Organization
Whois Privacy Protec

Registrant Street
3-1 Ofuka-cho

Registrant Street
Grand Front Osaka Tower B 23F

Registrant City
Oosaka-shi Kita-ku

Registrant State/Province
Osaka

Registrant Postal Code
530-0011

Registrant Country
JPJapan

Registrant Phone
+81.676342727

Registrant Phone Ext

Registrant Fax
+81.663740121

Registrant Fax Ext

Registrant Email
info@value-domain.com

Value domain is a major registrant, yet they face no harassment, while indian officials are good at making up fake stories to harass indian link sellers

Hypocrite dishonest Indian government refuses to nationalize domain registration, website development
For more than 6 years., shameless fraud ntro officials have been falsely claiming that their lazy greedy mediocre inexperienced fraud sex partners, relatives and friends own the domain names of a private citizen, a harmless single woman engineer, to get all these fraud women lucrative R&AW/CBI/indian intelligence jobs with a monthly salary of Rs 20000 or more each. It appears that only female domain investors are exploited by the shameless fraud ntro officials looking for free SEX who would never have the honesty or courage to carry out a similar fraud on male domain investors
In all other countries, including communist china, japan, indonesia, turkey, usa , citizens are free to register any number of domain names without facing any harassment or defamation or torture by the intelligence and security agencies
Details of japanese domain investors like Value Domains who regularly register 100 or more domains daily to make a good profit can be provided to the shameless fraud corrupt cowardly indian intelligence and security agency officials who will never be able to defend their baseless allegations in an open debate
Can the ntro, cbi, security agency officials explain why registering domain names makes a person a security threat only in India, not in any other country of the world. Japan, China, USA are developed countries, why their citizens are allowed to register any number of domains, and indian citizens are not allowed to
Till November 2016, Hypocrite dishonest Indian government refuses to nationalize domain registration, website development, because it will affect the reputation of india worldwide as a country that is restricting internet use.
However internet in India is highly regulated, and is the worst in the world, worse than china, with the government falsely claiming that goan sex workers, cheater housewives and other frauds, the relatives, sex partners and friends of top officials, own the domain names and websites of a private citizen, a single woman engineer when these fraud women are not spending any money online or doing any work, however getting a monthly salary of Rs 20000 from the indian government.
Income tax returns, financial records and other information will easily prove that none of these google, tata sponsored fraud indian intelligence employees are making any money online or spending any money online, yet no action is taken against the section 420 fraud ntro officials who falsely claim that goan sex workers, cheater housewives and other frauds are online experts,
When will the exploitation of, atrocities on female domain investors in India end

In another indication of the sexual exploitation, harassment, exploitation of women in the indian internet sector, NTRO, R&AW, CBI allegedly bribed by google, tata are falsely claiming that lazy greedy mediocre inexperienced goan sex workers, cheater housewives and other frauds who have never made a single penny online are online exporters to waste indian tax payer money paying them a monthly salary of Rs 20000 or more each, while the real online exporter is not getting anything because of the theft of her resume.
The iit kharagpur 1993 gold medalist sundar pichai led google is ruthless in destroying the life, reputation and finances of a google competitor, so powerful NTRO, R&AW, CBI officials are falsely claiming that their mediocre lazy greedy inexperienced fraud relatives, friends and sex partners are owning the business and have the impressive resume of the google competitor to get all these frauds lucrative R&AW, CBI, indian intelligence jobs at the expense of the google competitor,
Income tax returns, financial records, surveillance, or an interview will easily prove that none of the google, tata sponsored fraud indian intelligence employees have invested any money online on domain names (including this one) or done any work online or made any money online, and are least interested in doing so in future also.
However google, tata do not have the grace, humanity, corporate ethics or honesty to acknowledge the investment or time spent by the google competitor who is also India’s largest female domain investor, so they continue to bribe NTRO, CBI, R&AW, security agency officials to abuse their discretionary powers and tax payer money to spread false rumors that goan sex workers, cheater housewives and other fraud indian intelligence employees are online exporters, experts.
These officials understand that if they continue to repeat lies for more than 6 years, it will create the illusion of truth, and most people will blindly believe the complete lies of powerful indian government officials who cannot be identified or held accountable.
If R&AW/CBI want their employees to be exporters, why not legally start an online business, why falsely claim to own the online export business of another indian citizen, to deny the real exporter, the income and opportunities she deserved
The real online exporter, domain investor and google competitor can only counter the slander of the google, tata, ntro, cbi, R&AW officials by alerting people, especially internet users about the great google online fraud with the help of indian intelligence and security agencies