TO KISS A BANK NOTE

There are people who kiss the money they receive in order to gain confidence in themselves. They are pleased to inculcate the stigma of holding money is to possess money with nice smell. Many people are unhappy now with the value of money they hold in hand due to inflationary effects and fluctuating foreign currency exchange we are facing today.

            The financial inclusion as prescribed by the Central Bank has to a certain extent diminished the value of money in terms of propensity to save by most people. Either to save in the banking cycles or to save in their pockets would also mean the money value has depreciated faster than the smell of their physical money.

So many people are so badly indebted and breadwinners sometimes never have a chance to hold money from the day they receive their income since they need to repay and also pay a lot of other debts and commitments as households need and Maslow needs dictate their income to be apportioned as such.

Banking transactions have got auto-debit facilities and the more the deductions, the more stressful the people will become. Banking behavioural factors such as financial inclusion has added to more stress level to the households who are drawing salaries based on commission and non-fixed income. To add salt to injury, there are people who are asking for more money outside their employments.

The insufficiency surmounted by the hikes of expenses and prices are not making any good for their income now. Instead, they are asked to be thankful for having jobs and income for maintaining themselves and their households.

 Nobody makes a fuss when their income is so deficient. When they write to their immediate employers insinuating a raise, the feedback is always futile. They are often asked to do second or third job outside their employments to gain more money and nobody cares if they are being adjudicated bankrupt.

The bankers are so happy to see people are declared bankrupts because they are no longer answerable to their fussy shareholders who always connect themselves with all financial products surrounding them indefinitely. This is not to mention bill collectors who are making money out of the collections they have made.

Like a rose, the flower smells nicer when it blossoms. Many Japanese people do not like real flowers to be brought in as a gift to the sick people in hospital beds. In many other continents, roses and other bouquets of flowers are welcomed and the suitor will be some fruits namely apple, grape, orange and banana. Papaya and durian are seldom brought in due to their perishable nature and smell which are prone to be rejected upon entering the hospital entrance.

When visitors are giving money to the patients in hospitals we normally see bank notes are changing hands because the patients cannot hold much money due to the fact that they are bed-ridden. And normally the smell of the money doesn’t flourish much in such a place due to fact that insurance policies are covering all the expenses and it is not advisable to have lots of cash by the bedside since nobody cares about security of money in hospitals more than security of money in the Banks, comparatively.

The roses for example will be dried soon. And dried roses can always make a potpourri smell nice. Lovely Lace has got a bunch of nice aromatherapy scents which suit the dried roses. In offices and homes, aromatherapy is good to calm the place and conducive places as such can make study and meditation as smooth as ever.

International scents must be differentiated with local scents because nobody ever made a thesis yet on how people behave differently in different scents’ situations. We are advised to keep quiet to that effect. The best scent that money can buy is relatively subjective, is it not?

How much is enough for people to have money is a joke to employers in many countries. 9/10 of employers would prefer to pay lower salaries to support their staffing needs. You can always find reasons behind why big companies are employing foreign workers and exposing local talents to redundancies.

Opportunity cost of not employing foreign workers is greater should the companies stick to directives by the Governments to restrict the employment of foreigners. Governments will always need to tax to fuel their agenda, indeed. Are we getting the point here?

The more the money is being held by foreigners who are already in our country or overseas, the more the money will be attracted to another smell and microscopic bacteria claimed by certain quarters. Conversely, the demand for money is actually increasing together with the bacterial effects as found in the bank notes. Human palms have got skin microfilms that can have certain effect when exposed to physical bank notes.

Nobody ever trails comprehensively the money notes flowing from one person to another in a span of time where the money is being held by whom and given to whom is a phrase that will be as insane as walking without shoes when you enter a Central Bank, apparently.

In the 80s, women in America were said to keep their money safe in their pockets and banks. The advent of ATMs (Automated Teller Machines) [Not ATM Machines: in many Universities, all students fail to use the correct terminology and abbreviation]. As can be depicted from a famous comedy series during that time, there was an occasion whereby a lady (be careful when you use the word woman) was withdrawing a sum of money from the ATM. She then put her money inside her pocket found between her breasts. Suddenly one of the actors in the movie laughed to that lady and said to her that that pocket is a place safer to save money than the ATM itself. 

If you are allergic to touching a bank note, it is better to follow banking inclusion prescription, by using e-money transactions. Some people have the habit to kiss and smell the money immediately after receiving bank notes in their hands. They never worried about all the germs and bacterial effects and smells therefrom. So nice a smell sometimes. But majority of people are too allergic when they can’t get hold of money, in its physical form.

Have you ever noticed that a banker is a man who loans you an umbrella when the weather is fair, and takes it away when it rains? People who have experienced the above situation will never have a good perception about bankers to such an extent that all money coming from the banks is said to be not to smell as blossoming roses or dried roses. 

It is not their duty to respect the Bank and people would never put a trust upon the bank any longer. The sad thing is that, the Banks are seen as their enemies who must be destroyed entirely due to their behavioural factors and egoistic nature.

People have got money, and sometimes they do not have money in their savings or hands. So are banks and bankers. The flow of money is said to be so sacred in its sense that most people are not making favourable decisions whether to invest or not to invest. 

People who are conservative about money, will never be forced to invest in money markets not to mention in stock markets. Today we can see that money has got a different definition of its own when some bankers and even investment banks are so ingrained in their pursuit of making share prices margins their top priorities.

It must be noted that a share value has its own limit to fall and to rise. Capital gains would never be materialized should the Company in question does not have viable projects which can gain good results. Those good results must be translated by the fundamentals of the Companies. 

The pressures to obtain viable projects by most Companies are the competition and merger and acquisition processes which are cumbersome and futile at most of the times. Example is the merger of a few banks locally, which have an effect of brain-draining our local and international talents in which case, the banks would never be merged due to the smell of money as stated above, ostensibly.

To say that a banker is such an ego person, is like to ask your banker to relax on your motor vehicle HP re-payment, the answer of which shall never be good to you even though you have given higher commission to the bankers before, when you first purchased your high-end-top-of-the-range-car-model. 

So cynical it is, as to show that an umbrella is much more valuable than the roof of your banker’s office. Worst still, the banker never recognized the commission he/ she received for the financial years previously quoted as being audited.

Everybody loves money. There are people who always question the need of a Prime Minister to have 2 portfolios of having to become Finance Minister concurrently. Perhaps the smell of money is much better and the fragrance is so unique when the money is with them. For the opposition on the other side, sometimes they have got access to more money than the other side has.

 Nobody cares to smell the money because people are so suffocated with all kinds of indebtedness derived from the market inefficiencies and theory of money relativity which have made the balance sheets of most of us, not to be so tally as it should be.

Therefore, we need to enhance greater understanding of the use of money and we should ask ourselves why money is just a means not an end in itself.

Do you really want to smell bank notes? Well, well, well………