Why Indians think in twisted way easily - you can say we have dynamic mind

Tweet

So I had these fixed deposits in bank... On my father's name...almost 10 years ago, when I did not qualify as senior citizen.........he gets higher interest rate, while I get to transfer money on to him without paying taxes. Indian taxation. All was good till RBI governor decided that at the time of renewal lower interest rates would prevail. This makes auto renewal not worthwhile for senior citizens. I had deposited in smaller amounts ..so that if and when we needed the money, we could withdraw. I now felt consolidating is called for so that I can remember the dates for renewal. I had taken over draft limits on them, just in case there is some medical emergency, and also kept the account active through systematic investment plan. The bank now informs me that is not possible to consolidate. I am not cheating the bank, I am not doing anything illegal, and yet it is not possible BECAUSE THEIR PROGRAM IS NOT EQUIPPED TO HANDLE THIS SITUATION. So, it strikes me, I will consolidate it in two pieces instead of one piece..by withdrawing from the OD...that is perfectly legal, and perfectly feasible. And then place that for OD limit...and then cash out on the FDs. A tad expensive and long cut...but then do I have a choice? When systems or activities are not well thought out, they can lead to convoluted thinking and that in turn can become habit.