भरोसा र सतर्कता: रियल इस्टेट बजारमा असल शिक्षाको आवश्यकता

नमस्ते सबै जनालाई।

आशा छ सबैलाई राम्रो छ। आज म एक यस्तो प्रॉपर्टी लिस्टिङको बारेमा कुरा गर्न चाहन्छु जसले मलाई लामो समयदेखि चिन्ता लगाइरहेको छ। यो लामो समयसम्म बिक्रीमा रहको कारणले मात्र होइन, तर यसले रियल इस्टेटको दुनियामा भएका सामान्य गल्तीहरूबाट के सिक्न सकिन्छ भन्ने कुराको प्रतिनिधित्व गर्दछ।

मलाई सबैभन्दा बढी चिन्ता लाग्ने कुरा के हो भने: यही छिमेकमा धेरै घरहरू सजिलै र छिटो बिक्री भइसकेका छन्। यदि कुनै प्रॉपर्टी निश्चित समयभित्र बिक्दैन भने, लिस्टिङ हटाइन्छ। तर यी दुई घरहरू मात्र बाकी छन्। अब यी प्रॉपर्टीहरू “कलंकित लिस्टिङ” बन्ने जोखिममा छन् – यस्ता घरहरू जसलाई खरीददारहरूले लामो समयसम्म बिक्रीमा रहेकोले गर्दा किन्न असहज महसुस गर्छन्, र यसले घरमा गुप्त समस्या वा विक्रेताको मजबुरीको संकेत दिन्छ।

तस्वीरमा देखिएको यो लिस्टिङ एउटा ज्वलन्त उदाहरण हो कि कसरी अत्यधिक वाचा, गलत व्यक्तिमा भरोसा, र उचित जाँचबुझ नगर्दा साधारण बिक्री पनि एउटा सतर्कताको कथा बन्न सक्छ। आउनुहोस्, यस प्रॉपर्टीले किन बिक्न गाह्रो भएको छ र खरीददार र विक्रेताहरूले यसबाट के सिक्न सक्छन् भन्ने बारेमा छलफल गरौं।

रियल इस्टेट बजारलाई प्रायः अवसरको क्षेत्र मानिन्छ, तर यसले धेरै जोखिम पनि ल्याउँछ—विशेष गरी जब भरोसा गलत ठाउँमा राखिन्छ र आवश्यक जाँचबुझ गरिँदैन। हालै मेरो छिमेकमा भएको एउटा प्रॉपर्टी लिस्टिंगले खरीददार, विक्रेता, र लगानीकर्ताहरूका लागि केही महत्त्वपूर्ण शिक्षा दिन्छ।

घर नं. ५६ र ५८ को Celebrity Realtor: खाली प्रतिज्ञाको उदाहरण

यस समयमा, घर नं. ५६ Celebrity Realtor द्वारा बिक्रीमा राखिएको छ, जसले दावी गर्छन्, “यदि प्रॉपर्टी बिक्दैन भने, हामी आफैंले किन्नेछौं!” यो प्रतिज्ञा आकर्षक लाग्छ, तर यस प्रॉपर्टी (र यसको छिमेकी घर नं. ५८) को इतिहासले भने अर्को कथा सुनाउँछ।

दुबै घर एउटै मालिकको हुन्, जो आर्थिक समस्यामा परेको देखिन्छ। घर नं. ५८ पहिले एउटी मुस्लिम महिला रियल्टरद्वारा बिक्रीमा राखिएको थियो, तर एक वर्षभन्दा बढी समयसम्म बिकेन। त्यसपछि मालिकले अर्को मुस्लिम रियल्टर— Celebrity Realtor—लाई नियुक्त गर्यो, जसले आफूलाई “Celebrity Realtor” भनेर प्रचार गर्छन् र नबिक्ने प्रॉपर्टी किन्ने वाचा दिन्छन्। तर, Celebrity Realtor को प्रतिनिधित्वमा पनि घर नं. ५८ बिकेन र अन्ततः बजारबाट हटाइयो।

अहिले, घर नं. ५६ छ महिनाभन्दा बढी समयदेखि बिक्रीमा छ, तर अझै सम्म कसैले किनेको छैन। लामो समयसम्म बिक्रीमा रहने घरहरू प्रायः खरीददारहरूको लागि संदिग्ध बन्छन्—उनीहरूले सोच्छन् कि घरमा केही समस्या छ।

प्रमुख प्रश्न: के Celebrity Realtor ले साँच्चै नबिक्ने घर किन्छन्?

Celebrity Realtor को प्रतिज्ञा संदेहास्पद छ। यदि उनको वाचा साँच्चै हो भने, उनले किन घर नं. ५६ वा ५८ किनेनन्? वास्तविकतामा, यस्ता दावीहरू विपणन चाल हुन सक्छन्, ठोस आश्वासन होइनन्। विक्रेताहरूले कानुनी रूपमा स्पष्ट नभएका बडा वाचाहरूप्रति सतर्क रहनुपर्छ।

खरीददार र विक्रेताहरूका लागि प्रमुख शिक्षाहरू

१. धर्म, संस्कृति, वा समुदायको आधारमा एजेन्ट नचुन्नुहोस्

घर नं. ५६ र ५८ को मालिकले एक मुस्लिम रियल्टरबाट अर्को मुस्लिम रियल्टरमा स्विच गरे, सम्भवतः उनले साझा पृष्ठभूमिले राम्रो सेवा दिने विश्वास गरे। तर, क्षमता, बजार ज्ञान, र कुशलताको महत्त्व धर्म वा समुदायभन्दा बढी हुन्छ। यही छिमेकमा अन्य घरहरू बिकिरहेका छन्—यी दुई मात्र बिकिरहेका छैनन्।

२. बन्द नेटवर्क (रियल्टर + मर्चेन्ट बैंक + इन्स्पेक्टर) प्रति सतर्ग रहनुहोस्

रियल इस्टेटमा एउटा खतरनाक प्रवृत्ति छ—”बन्द नेटवर्क”, जहाँ रियल्टरले आफ्ना ग्राहकहरूलाई आफ्नै मर्चेन्ट बैंक, घर निरीक्षक, वा वकीलको सिफारिस गर्छ। यो सजिलो त हुन सक्छ, तर यसले हितद्वन्द्व पैदा गर्न सक्छ।

  • निरीक्षणमा असफलता: टोरन्टोको एक खरीददारले आफ्नो रियल्टर विरुद्ध मुद्दा गरे, किनभने उनले घरमा गम्भीर कमीहरू पत्ता लगाए—जुन कमीहरू रियल्टरले सिफारिस गरेको “भरपर्दा निरीक्षक” ले नदेखेको थियो।
  • मर्चेन्ट बैंकको ठगी: केही खरीददारहरू, जसको राम्रो आम्दानी र डाउन पेमेन्ट पनि थियो, उनीहरूलाई नेटवर्क भित्रै निजी मर्चेन्ट बैंकमा लगियो, जसले उनीहरूलाई बढी ब्याज तिर्न बाध्य बनायो।

स्वतन्त्र पेशेवरहरू खोज्नुहोस्। कहिल्यै पनि निरीक्षण छोड्नुहोस् वा आफ्नो एजेन्टको सिफारिसमा मात्र भर नपर्नुहोस्।

३. सबै कुरा जाँच्नुहोस्—अन्धविश्वास नगर्नुहोस्

धेरै खरीददारहरू, विशेष गरी पहिलो पटक घर किन्नेहरू, यो सोच्छन् कि उनीहरूको रियल्टर साथी वा समुदायको सदस्य भएकाले उनीहरूलाई धोखा दिँदैनन्। तर, वित्तीय प्रलोभनले विश्वासभन्दा माथि हुन सक्छ।

  • निरीक्षण नगर्ने: करोडौं रुपैयाँको घर किन्ने मानिसहरूले $ २००-३०० खर्च गरेर निरीक्षण गर्न असहमत हुन्छन्, रियल्टरको आश्वासनमा भर पर्छन्।
  • कानूनी कागजात अनदेखी गर्ने: केहीले कन्डो सर्टिफिकेट वा जग्गाको सर्वे नगरेर पछि ठूलो समस्या भोग्छन्।

शिक्षा: विश्वास गर्नुहोस्, तर जाँच गर्नुहोस्। निरीक्षण गर्नुहोस्, कन्डो कागजात हेर्नुहोस्, र जग्गाको सर्वे गर्नुहोस्। यी साना खर्चहरूले ठूलो नोक्सानीबाट बचाउँछ।

अन्तिम विचार: जटिल बजारमा आफूलाई सुरक्षित राख्नुहोस्

रियल इस्टेट बजार धेरै ठाउँमा ढिलो भइरहेको छ, र विक्रेताहरूले यथार्थवादी मूल्य राख्नुपर्छ भने खरीददारहरूले पूर्ण रूपमा जाँचबुझ गर्नुपर्छ। घर नं. ५६ र ५८ को कहानीले यी कुराहरू उजागर गर्छ:

  • प्रमाण नभएका बडा वाचाहरूमा भर पर्नु खतरनाक छ।
  • नेटवर्कहरूले ठगी गर्न सक्छन् यदि ध्यान दिँदैन भने।
  • स्वतन्त्र रूपमा जाँच गर्नु अनिवार्य छ।

तपाईं किन्न वा बेच्न लाग्दा, रियल इस्टेटलाई व्यापारिक दृष्टिकोणले हेर्नुहोस्—अन्धा विश्वासले होइन। सही पेशेवरहरूले तपाईंको जाँचबुझलाई स्वागत गर्नेछन्, न कि यसलाई हतोत्साहित गर्ने।

मुख्य कुरा: यदि कुनै सम्झौता व्यक्तिगत सम्बन्धमा मात्र आधारित छ भने, फेरि विचार गर्नुहोस्। तपाईंको आर्थिक भविष्य यसमा निर्भर गर्दछ।

Post 3: How I Convince Clients to Buy Homes They Can’t Afford

Welcome back to my world, where dreams are for sale—and so is your financial stability. In my last post, I revealed how I connect with clients and build trust. Today, I’ll share my secrets for convincing clients to buy homes that are way beyond their budget. After all, my goal isn’t to help you find a home you can afford; it’s to help me find a commission I can’t resist.

Step 1: The Dream-Selling Technique

It all starts with selling you a dream. I’ll show you a beautiful, spacious home with a pristine backyard, a modern kitchen, and a walk-in closet big enough to fit your entire wardrobe. When you hesitate at the price, I’ll reassure you: “This isn’t just a house; it’s your future. And isn’t your future worth investing in?”

I’ll downplay the cost, emphasizing the “long-term investment potential” and the “equity growth” you’ll enjoy. I’ll even throw in some buzzwords like “seller’s market” and “low inventory” to make you feel like you’re missing out if you don’t act fast.

Step 2: The Fear of Missing Out (FOMO)

Fear is a powerful motivator, and I’m not afraid to use it. I’ll tell you stories about other clients who hesitated and lost their dream homes. “Just last week,” I’ll say, “a couple waited too long, and now they’re stuck renting. Do you want that to be you?”

I’ll also create a sense of urgency by mentioning “multiple offers” or “interested buyers.” Whether it’s true or not doesn’t matter—what matters is that you feel the pressure to act now.

I’ll always tell you ‘buy now, think later’ – because who needs logic when I need commission? High interest rates? ‘Perfect time to buy – most people can’t even qualify!’ Low rates? ‘Prices will skyrocket soon!’ My job isn’t to help you make smart decisions – it’s to make sure you panic before you realize what a terrible deal you’re getting. That fear of missing out? I brew it fresh daily. ‘Buy today or you will never be able to buy!’ Remember: your poor financial choices are my early retirement plan.

Step 3: The Budget Stretch

When you finally bring up your budget, I’ll nod sympathetically and then gently push you to “stretch a little.” I’ll remind you that “you can always make more money, but you can’t make more time.” I’ll even suggest creative financing options, like borrowing from family or dipping into your retirement savings.

Step 4: Why Show You a Good Deal When I Can Show Myself a Bigger Commission?

Welcome to the realtruth about house hunting—where your dream home is secondary to my dream paycheck. When I show you a house, rest assured—I’ve already vetted it for maximum co-op percentage.

If the selling brokerage dares to list a reasonably priced home while cutting into my precious commission, you’ll never even know it existed. Meanwhile, the house is perfectly fine—it’s just that my paycheck would be slightly less ridiculous, and we can’t have that. My Golden Rule: If My Commission Shrinks, So Does Your Interest. If, by some tragic accident, you do stumble upon a well-priced home with a lower co-op fee, fear not—I have a foolproof method to steer you away.  The Bottom Line: Why would I show you a fair deal when I can show you an overpriced gem—one that you stretch your budget for and Istretch my bank account with? Your financial stability is temporary. My commission is forever.

By the time I’m done, you’ll feel like buying this house isn’t just a good idea—it’s the only idea. And that’s exactly where I want you.

Post 2: How I Hook, Line, and Sinker My Clients: The Art of Connection

Welcome back to my world, where charm is currency, and trust is a tool. In my last post, I introduced myself as the real estate agent who’s more interested in commissions than clients. Today, I’ll pull back the curtain on how I connect with the community and turn innocent bystanders into paying customers.

1. The Friendly Neighbor Act

The first rule of real estate is simple: be everywhere. I’m not just an agent; I’m a community staple. You’ll find me at school events, charity runs, and even your cousin’s wedding. I’m the guy handing out business cards with a smile, the one who always remembers your name (and your dog’s name, too). Why? Because trust is the foundation of my business. If you trust me, you’ll believe me when I tell you that the crumbling house on the corner is a “fixer-upper with potential.”

But it’s not just about being present; it’s about being relatable. I’ll share stories about my “struggles” as a single parent, my “passion” for volunteering, and my “love” for the community. Spoiler alert: most of it’s fabricated. But hey, if it gets you to trust me, it’s worth it.

2. The Social Media Guru

In today’s digital age, social media is my playground. My Instagram is a carefully curated gallery of me holding puppies, volunteering at shelters, and smiling like I’ve never met a commission I didn’t like. My captions are filled with hashtags like #CommunityFirst and #JustHereToHelp. But behind the scenes, I’m calculating every post, every like, and every comment to ensure maximum engagement.

I’ll even share “heartwarming” stories about helping clients find their dream homes. What I won’t share are the countless times I’ve talked clients into buying homes they couldn’t afford or glossed over major flaws in a property. But hey, that’s what filters are for, right?

Bonus Social Media Ad:
Have you seen my Facebook posts on “back-to-back deal close”? Back-to-back deal close tells you how many deals I’ve sealed in record time. Do you think it’s easy to do? No. For that, I always have to go way above the listing price when I’m helping my client to buy a house and way below the listing price when I’m helping to sell the property. Since I’m giving cash back and other incentives to my clients, it’s more than okay to do it. My clients don’t care about anything else when they get cash back and incentives—even if buying a good property at a reasonable price would outweigh my cash back and other incentives. If my clients are happy, who the hell are you to care about my deal-making art?

3. The Free Seminar Scam

One of my favorite tactics is hosting free seminars or workshops. I’ll advertise them as educational events for first-time homebuyers or investors. The truth? They’re just elaborate networking opportunities. I’ll dazzle you with buzzwords like “equity growth” and “investment potential,” all while subtly steering you toward properties that benefit me the most.

By the end of the seminar, you’ll be so impressed by my “expertise” that you’ll forget to ask why I’m offering this advice for free. (Hint: it’s not out of the goodness of my heart.)

4. The Referral Game

Once I’ve hooked you, I’ll exploit your network. I’ll ask for referrals with a smile, promising discounts or incentives I’ll never deliver. Your friends trust you, and I trust you to bring them to me. It’s a win-win—for me, at least.

1.   The Charity Charade

Finally, there’s the charity charade. I’ll sponsor some jerseys for tournaments, but they’ll have my name on them, and the athletes will essentially become walking advertisements for me. It doesn’t matter if people think all those athletes are actually me—what matters is that my name is out there. I’ll also donate to community causes and even organize community clean-ups. But let’s be real: I’m not doing this out of altruism. I’m doing it to build goodwill and position myself as a pillar of the community. And while you’re thanking me for my “generosity,” I’ll be handing you my business card.

6. My Incentives: The Ultimate Hook

I advertise myself as the best realtor in my community. When clients compare me with realtors from other communities, I scare them with tales of linguistic differences and hard-to-deal-with situations. When they compare me with realtors from my community, I show that I have better incentives than anyone else.

Here’s the deal: I give 1-1.5% cash back if they buy or sell property through me. On top of that, I’ll buy gifts for their housewarming party. But the real kicker? Buying or selling property with me is connected to someone very special—me. It’s not just a transaction; it’s an experience. And who doesn’t love cash back and free stuff?

Conclusion: A Call for Change
While this post is written in jest, the unethical practices it highlights are all too real. As a community, we must demand transparency, honesty, and accountability from real estate professionals. After all, a home is more than a transaction—it’s a dream, a sanctuary, and a lifetime investment.

So, the next time you meet a real estate agent who seems too good to be true, remember: not everything is as it seems. And if you ever need help navigating the murky waters of real estate, just remember my motto: “Trust no one—especially me.”

Post 1: Confessions of a Rogue Real Estate Agent: Who I Am and What I Do

When you think of a real estate agent, you probably picture someone friendly, trustworthy, and eager to help you find your dream home. Well, let me introduce myself—I’m the agent who shatters that stereotype. I’m not here to help you; I’m here to help myself. My name doesn’t matter (let’s call me “Mr. Slick”), but my mission does: to turn your home-buying dreams into my commission checks.

How I Became a Realtor

I didn’t come to this field because I had a deep passion for real estate or a wealth of knowledge about property markets. No, I came because I saw people making money—lots of it. And I wanted a piece of that pie.

Now, you might think becoming a real estate agent requires hard work, studying, and passing rigorous exams. And in some places, maybe it does. But in some places? Let’s just say there are… shortcuts.

I was tired of working manual, low-paid jobs, so I chose the easy way out. Do not ask whether I bought test questions for a good amount of money or if someone else wrote the exam for me. Let’s just say I passed, and that’s all that matters. After all, in this business, it’s not about what you know—it’s about who you can convince.

My ‘Unique’ Communication Skills

You might also think that being a real estate agent requires excellent communication skills, a deep understanding of real estate rules, and city bylaws. Well, let me stop you right there. I didn’t come to this field because I’m a great communicator or a legal expert. I came because I saw an opportunity to make money—and I don’t need to know the rules to do that.

Sure, I might not be able to explain the intricacies of zoning laws or the fine print in a purchase agreement, but that’s not my job. My job is to make deals. And if that means convincing you to pay an unreasonable price for a property, so be it. After all, I’m not the one buying it—you are.

The Art of Making Customers

To build my clientele, I’ve mastered the art of being everywhere. I attend cultural programs, organizational events, and even sports tournaments. I’ll invite you to Tim Hortons or a local restaurant, casually bump into you on your daily route, and make you feel like I’m the best real estate guy out there.

But it doesn’t stop there. I’ve strategically positioned myself as a board of director or advisor in various community organizations. Why? Because it gives me access to you. You’ll see me at every event, shaking hands, smiling, and handing out business cards. I’m not just a realtor; I’m a community staple. And if that means I have to join every organization in town, so be it.

The Support System: My Community Leaders

Realtors work in pretty much the same way, but I’m lucky because doing business in my community is incredibly easy. Why? Because my community leaders help me advertise me as a great realtor. As long as I keep them happy, they’ll keep promoting me.

Now, you might think that being a realtor comes with some level of accountability. After all, there’s a governing body that’s supposed to keep us in check. But here’s the thing: I don’t have to worry about criticism from my community for my potential unethical and unskilled practices. If someone complains about my manipulative tactics, my community leaders will blame you for not doing your research instead of blaming me.

The Nepalese Student Example & Its Inference 

Take, for example, the educational consultancies that brought so many Nepalese students to Canada by selling them illusions. Did you hear anything against those consultancies when Nepalese students suffered financial hardships due to a lack of jobs and other resources? No. But you’ve seen my community leaders always talk about helping international students here in Canada, right?

My community leaders are very powerful, and they know how to make everyone happy. Do you remember when they asked the Nepalese embassy to issue a notice warning students and their parents to come prepared? They did this because the promises made by these consultancies were, well, lies.

The exemplary personalities in my community do the same thing. They can’t risk losing their chances of being recognized as an exemplary personality and invited as chief guests to deliver keynote speeches by criticizing these social wrong doings. Everything operates this way in my community, and there’s no need to worry—unless you’re on the receiving end of these manipulations.

But here’s the kicker: when the hardships faced by international students came to light and people and students themselves complained about their struggles, the community leaders didn’t blame even a bit to the educational consultancies for selling false dreams because they all had their own businesses to protect. Instead, they blamed the students for not doing enough research and preparation before coming to Canada. And the same logic applies to you. If you complain about my potential unethical and unskilled practices, my community leaders will say, “You should have done your research before entering into a deal.”

So, don’t ask me what happens to those who complain against entrepreneurs like us. Let’s just say it’s not pretty.

A Note to the Realtors from My Community

Let me make one thing clear: I know my reach is mostly limited to my community. My communication skills, or lack thereof, and a few other quirks keep me grounded here. But that’s fine by me. Once I shake hands with someone from my community, they’re my client—no exceptions. If any other realtor dares to show them property, well, let’s just say we’ll have a little chat on your way back from the showing.

And don’t get a headache when my clients pay what you might call an “unreasonable” price for a property. They’re happy with my cash-back offers and my generous lending terms when they fall short on the down payment. Sure, the interest rates might be a tad high, but hey, I’m here to help—myself, that is.

So, to my fellow realtors: tread carefully. My clients are my territory, and I don’t take kindly to poachers.

Conclusion

At the end of the day, I’m not here to play the hero or follow some moral compass. I’m here to make money, and I’ve found a system that works—for me. If you’re not careful, you might just find yourself on the wrong side of my deals. So, do your research, ask questions, and maybe think twice before shaking my hand. After all, in this game, the only person looking out for you is you.

(A Quick Note to Readers: This post is written in a satirical and humorous tone. While it may highlight some uncomfortable truths about the real estate world (and beyond), it’s all in good fun. My next real estate related post will be on how I hook people for my deals. You won’t want to miss it!)

The Story Behind My Profile Picture: A Reflection on Identity, Authenticity, and Oddities 

As a professor who teaches writing courses—whether first-year composition, technical writing, or professional writing—I place a strong emphasis on genre and genre analysis. Genres, after all, are not just types of texts; they are dynamic responses to social and communicative needs. They shape how we interact with the world, from sending a text message to writing an email to a boss, from Instagramming to expressing grief at a funeral. Each genre reflects social hierarchies, historical contexts, technological advancements, and cultural norms. My Facebook profile picture, an artifact that might seem simple at first glance, is a perfect example of how genres and artifacts can encapsulate personal, social, economic, and even political dimensions of our lives.

The Oddities That Make It Perfect

Let’s start with the oddities. This picture was taken at home by my children, not in a studio by a professional photographer. The lighting isn’t perfect, the background is my living room, and my height—something I’ve always been conscious of—is unmistakably visible. At times, I’ve felt the urge to change it. Friends have suggested, more than once, that I replace it with something more polished, more “professional.” But every time I consider swapping it out, I stop. Why? Because this picture, with all its imperfections, feels like the truest representation of who I am.

The oddities in the photo are a reflection of my life. I’m a professor at a prestigious university in the U.S. and at a college in Canada, yet I chose to get an Ontario realtor license during the COVID-19 pandemic, a time of global uncertainty. The picture was taken in June 2020, just after I earned my Ontario Real Estate License. It was a moment of professional achievement, but also a moment of personal reflection. I didn’t go to a professional photographer for several reasons: the pandemic restrictions, my financial prudence, and perhaps most importantly, my desire to present myself as both a professional and a down-to-earth person. The result is an image that captures my duality—a scholar and a realtor, a professional and a family man, someone who critiques societal flaws while embracing his own imperfections.

A Response to Social Expectations (Carolyn Miller’s Genre Theory)

Carolyn Miller’s theory of genre as social action helps explain why this picture works. Genres, she argues, are not just templates but responses to recurring social situations. My profile picture responds to the genre of professional headshots, but it also challenges it. Traditionally, a professional headshot is polished, formal, and often impersonal. Mine, on the other hand, is homegrown, authentic, and deeply personal. It reflects the social changes brought about by the pandemic, when many of us had to adapt to new ways of working and presenting ourselves. It also reflects my cultural values as a Nepalese individual—values that emphasize humility, modesty, and resourcefulness.

The picture also responds to the expectations of my dual roles. As a professor, I’m expected to project intellectual authority; as a realtor, I’m expected to be approachable and trustworthy. This image strikes a balance between the two. The suit signals professionalism, while the home setting and the involvement of my children add a touch of warmth and relatability. It’s a visual negotiation of my multifaceted identity.

Why I Can’t Change It

I’ve tried to change this picture many times. I’ve browsed through other photos, considered retaking it, and even experimented with editing tools. But each time, I come back to the same conclusion: there’s no other picture that represents me as fully as this one. Its imperfections are part of its charm. The slightly awkward pose, the homemade quality, the visible height—they all tell a story. They remind me of where I was in June 2020, navigating a global crisis while pursuing a new career. They remind me of my children, who took the photo and are an integral part of my life. They remind me of my values—authenticity, humility, and a willingness to critique societal norms, as I did in my blog post on the dark side of Nepalese cultural entrepreneurship in Canada.

Friends who suggest changing the picture mean well. They want me to present the “best” version of myself. But what they don’t realize is that this is the best version of me—not because it’s flawless, but because it’s real. It captures my priorities, my circumstances, and my identity in a way that no studio photo ever could.

The Significance of Artifacts in Representing Broader Issues

Artifacts like this profile picture are not just personal; they are deeply connected to social, economic, historical, and political contexts. Scholars like Charles Bazerman and Amy Devitt have emphasized how genres and artifacts mediate social interactions and reflect broader cultural and institutional practices. Bazerman, for instance, argues that genres are tools for navigating complex social systems, while Devitt highlights how genres evolve in response to changing social needs. My profile picture, as an artifact, embodies these ideas. It reflects the economic constraints of the pandemic, the historical moment of global disruption, and the social expectation to present oneself professionally while staying authentic.

Moreover, the picture speaks to the politics of representation. In a world where social media often encourages us to curate idealized versions of ourselves, this image challenges the norm. It’s a statement about embracing imperfections and resisting the pressure to conform to societal standards of perfection. It’s also a critique of the commercialization of professional identity—why spend hundreds of dollars on a studio photo when a homemade image can tell a richer story?

A Reflection on Identity and Society

This picture is more than just a representation of me; it’s a reflection of my family, my society, and my time. It was taken during a historical moment—the COVID-19 pandemic—when traditional norms were upended, and authenticity became more valuable than perfection. It reflects my cultural background, where humility and modesty are prized, and my professional environment, where credibility and approachability are essential. It even reflects my role as a critic of societal practices, as someone who values truth over sugar-coated narratives.

In a world where social media often encourages us to curate idealized versions of ourselves, this picture stands as a testament to the power of authenticity. It’s a reminder that our imperfections are what make us unique, and that the best representation of ourselves is often the one that tells the fullest story.

Conclusion: Embracing the Oddities

So, here it stays—my profile picture, with all its oddities and imperfections. It’s not just a picture; it’s a statement. It says that I am a professor, a realtor, a husband, a father, and a critic of societal flaws. It says that I value authenticity over polish, and that I’m proud of who I am, even if I don’t fit conventional molds. It’s a picture that responds to social expectations while staying true to my identity. And for all these reasons, I can’t imagine replacing it.

In the end, this picture isn’t just about me. It’s about all of us—our struggles, our triumphs, and the ways we navigate the complexities of life. It’s a reminder that sometimes, the most meaningful artifacts are the ones that aren’t perfect, but are perfectly us.

Exploiting Sentiment: The Dark Side of Nepalese Cultural Entrepreneurship in Canada

The lights dim at Massey Hall in Toronto, and the crowd erupts in cheers as Amrit Gurung, the lead singer of the iconic Nepali band Nepathya, takes the stage. For the Nepalese diaspora in the Greater Toronto Area (GTA), this is more than just a concert—it’s a nostalgic journey back to their homeland. The event is billed as a celebration of Nepali culture and heritage, a rare opportunity to reconnect with their roots. But behind the scenes, questions linger: Is this truly about cultural preservation, or is it a carefully orchestrated business strategy? Worse yet, are these events a cover for more insidious activities, such as human smuggling? As the Nepalese community in Canada grows, so too do allegations that some entrepreneurs are exploiting cultural sentiment for profit, leaving many to wonder where the line between celebration and exploitation lies.


For Nepalese immigrants living thousands of miles from home, cultural events are more than just entertainment—they are a lifeline to their heritage. Whether it’s a concert by a beloved artist, a spiritual tour by a revered monk, or the premiere of a newly released Nepali movie, these events offer a sense of belonging in a foreign land. They provide a space where the Nepalese community can come together, share stories, and pass on traditions to the next generation. For many, attending these events is not just a choice but a duty—a way to ensure that their culture thrives even in the diaspora.

However, not all cultural events are created equal. Behind the scenes, some Nepalese entrepreneurs in Canada are turning these gatherings into lucrative business ventures. Event organizers often sponsor concerts, movie screenings, and spiritual tours, using them as platforms to promote their own businesses. Tickets are sold at premium prices, food and merchandise are marketed aggressively, and sponsorships are secured from local businesses. While these events do provide a taste of home, they are also carefully designed to maximize profits. For some organizers, cultural preservation is not the primary goal—it’s a means to an end.

The Nepathya concert at Massey Hall is a prime example of this duality. Promoted as a celebration of Nepali music and culture, the event was marketed as Nepathya’s last international tour, with organizers claiming that lead singer Amrit Gurung was retiring. This narrative tugged at the heartstrings of the community, drawing large crowds and generating significant revenue. Respected figures like Dr. Kunjar Sharma were requested to write glowing reviews, lending credibility to the event. Community members eagerly shared their best wishes for the success of the Nepathya Concert on social media, expressing their gratitude to the organizers to be the part of what seemed like a historic event.

But the story didn’t end there. This year, Nepathya is busy on giving a series of performances in Australia, contradicting the organizers’ claims about the band’s retirement. This has left many attendees feeling misled. When I raised concerns about the organizers’ tactics at a small gathering, I was met with resistance. One friend, whose acquaintance was involved in organizing the event, dismissed my criticism, highlighting the complex web of personal and professional relationships that often shield these practices from scrutiny.

Beyond the exploitation of cultural sentiment, there are darker allegations at play. Some community members claim that these events are used as a cover for human smuggling. According to these allegations, organizers bring individuals to Canada under the guise of being part of an artist’s entourage. Once in the country, these individuals allegedly overstay their visas and apply for refugee status, with the help of legal practitioners who profit from the process. Well-established community members and board directors of Nepalese organizations are often used to promote these events, lending an air of legitimacy to what may be illicit activities.

One such case involved the Nepalese Community Network of Canada (NCNC), an organization that found itself embroiled in controversy over its alleged association with a fraudulent Filmfare Awards event. The organizers of the event approached the then-General Secretary of NCNC, Bhumi Ghimire, an innocent individual who was unaware of their hidden motives. They requested him to send an email about the event to the broader community, which he did in good faith. However, when the event was later exposed as a potential front for illegal activities, the General Secretary became a scapegoat.

Santa Rajbhandari, a well-known figure in the Nepalese community and then-President of NCNC, who has hosted artists from Nepal in his home, has raised serious concerns about these practices. In a Facebook Post dated July 9, 2024, Rajbhandari warned against the exploitation of cultural programs for personal gain. He accused some Nepalese individuals in Canada of not holding regular jobs and instead relying on organizing cultural events to make a living. According to him, these individuals raise large sums of money from community members under the guise of promoting Nepalese culture, while their true intentions are far more self-serving.

However, Rajbhandari himself is not immune to criticism. Community members have expressed skepticism about his motives. His role in hosting artists and organizing events has led some to question whether he is truly acting in the community’s best interests or if he, too, is benefiting from these activities. At a recent community program, Rajbhandari’s comments about others being involved in bringing artists and raising money were met with laughter and disbelief, highlighting the lack of trust in his claims.

Adding to the controversy is Hari Siwakoti, another prominent figure in the community. Siwakoti has been vocal in defending the organization of events like the Filmfare Awards, which have been criticized for their alleged ties to human smuggling and vested interests. On his Facebook wall, Siwakoti has dismissed critics, claiming that those who raise concerns are simply jealous. He has boldly stated that he and his group will continue to organize such events, regardless of the backlash.

However, many community members view these Filmfare Awards as anything but genuine. They argue that the events are primarily motivated by financial gain and serve as a cover for illegal activities, including human smuggling. The lack of transparency and the involvement of individuals with questionable motives have further eroded trust in these events.

The Nepalese community in Canada is deeply divided along political and ethnic lines, and these divisions often exacerbate the controversies surrounding cultural events. When allegations of illegal activities surface, groups affiliated to different political parties and their sister organizations back home and ethnic groups frequently engage in mudslinging to deflect blame and protect their own interests. Similarly, people from different ethnic groups blame one another, using these allegations as a way to save face and avoid accountability.

This politicization of the issue not only deepens existing divisions but also hinders efforts to address the root causes of the problem. Instead of working together to find solutions, community members often resort to finger-pointing and infighting, further eroding trust and cohesion within the diaspora.

The controversy doesn’t end with Nepathya. Earlier this year, organizers attempted to bring Ani Choying Dolma, a renowned Nepali artist, to Canada for a musical/spiritual tour. The event was aggressively promoted, with organizers urging community members and artists in Nepal to spread the word. However, the tour was eventually canceled, leaving many to wonder about the true motives behind it.

Now, the focus has shifted to an upcoming concert by Deep Shrestha, a beloved Nepali singer. The event has already sparked debate, with ticket prices set at $30.00 in Calgary and $100.00 in Toronto—a disparity that organizers attribute to the inclusion of food in the latter. One of my Facebook friends, Hari Adhikari, posted two Deep Shrestha program tickets, one for Calgary and another for Mississauga on February 14, 2025 and asked why the ticket price was so much different in these two locations. And my another Facebook friend, Nabin Yakthungbaa, replied to him to ask those people who are involved in this business. Critics argue that these high prices are exploitative, particularly for a community that already faces financial pressures. The aggressive promotion of the event, coupled with the lack of transparency about its purpose, has only fueled suspicions.

Another common tactic is the screening of newly released Nepali movies, which takes place almost every weekend in Canada. Organizers often frame these screenings as a way to support the Nepali film industry and preserve cultural heritage. However, the high-ticket prices and emotional appeals to attend with entire families suggest a different motive. Many community members feel pressured to participate, fearing that they will be seen as disloyal to their culture if they don’t. This emotional blackmail, coupled with the financial burden of attending these events, has left many feeling exploited.

The growing skepticism within the Nepalese community is hard to ignore. On social media, individuals like Punya Sagar Marahatta have openly criticized these practices, accusing organizers of human smuggling and the creation of fake refugee claims. He wrote a Facebook Post on February 11, 2025 on Fake Refugees. Punya Sagar also touches on the exploitation of Nepali artists who are brought to countries like Canada under the guise of cultural exchange or humanitarian aid. He compares these artists to moths that are drawn to the light, suggesting that they may be unaware of the larger schemes at play. He expresses concern that these artists, who have earned their reputations through hard work and talent, could be tarnished by association with such exploitative practices. He calls on their well-wishers to warn them about these dangers. His post concludes with a hopeful note, as Punya Sagar mentions the arrival of respected Nepali artists like Promod Kharel, Deep Shrestha, and Suman Karki in Canada. He expresses a cautious optimism that these artists will not fall victim to the same exploitation. This serves as a call for greater awareness and responsibility among both the artists and their supporters, urging them to remain vigilant against the manipulation of sentiment for personal or financial gain. 

Punya Sagar’s piece is a powerful critique of the exploitation of sentiment, particularly in the context of humanitarian aid and cultural exchange. By highlighting the dangers of manipulation, complicity, and cultural exploitation, he calls for greater awareness, responsibility, and vigilance. His writing serves as a reminder that noble sentiments, if not carefully guarded, can be twisted for personal or financial gain, and that it is the responsibility of all—artists, supporters, and society at large—to resist such exploitation.

As the Nepalese community in Canada continues to grow, so too must its commitment to ethical entrepreneurship. Organizers of cultural events must be transparent about their motives and financial practices, ensuring that profits are reinvested into the community rather than used for personal gain. Non-profit organizations should play a greater role in organizing these events, offering free or low-cost options to make them accessible to all.

Community members, too, have a role to play. By critically evaluating the intentions behind these events and holding organizers accountable, they can ensure that cultural celebrations remain true to their purpose. Only then can the Nepalese diaspora in Canada truly thrive, preserving its heritage without falling victim to exploitation.

The Nepalese community in Canada stands at a crossroads. While cultural events offer a vital connection to their heritage, they also present opportunities for exploitation. By addressing these challenges head-on, the community can ensure that its celebrations remain meaningful and transparent. The road ahead may be difficult, but with greater accountability and a commitment to ethical practices, the Nepalese diaspora can continue to honor its culture while building a brighter future for generations to come. (Note: Please note that this article is based on research. Its intention is not to tarnish the image of an individual or an organization. There are many issues in Nepalese Canadian community that need to be discussed in order to correct and move forward being united, and it is one such attempt. It is A BEGINNING OF A CONVERSATION, NOT THE END. Your comments/feedback on the content of the discussion are always welcome!)

My Worries Right Now

I am really worried about our Province Chief now that the tariff issue is resolved—I wonder whether he will lose the election. He saw it as a great opportunity to win sympathy votes and called a snap election, believing it was the only thing that could save him. After all, he had already destroyed healthcare, education, the economy—everything. He knew he couldn’t go to the people and say, “Please vote for me because I’ve ruined the province,” right? So, his only remaining strategy was to campaign on fighting the tariff war launched by the president of another nation. Unfortunately for him, it doesn’t seem to be working.

Ironically, that same president had been a great help to my chief in the past. When the president dismissed the threat of COVID-19 as a hoax, my chief seized the opportunity—he took masks and sanitizers from factories and distributed them, winning public favor at a time when he had already gutted the healthcare system in the name of budget cuts. He had shut down hospitals and clinics, slashed jobs in the health sector, and yet, thanks to the foolishness of the president, he managed to improve his public image.

I also worry about my soon to be Prime Minister. He built his popularity by relentlessly criticizing current Prime Minister—for the heat, for the cold, for anything and everything. When times were tough and the current Prime Minister failed to make prudent decisions for his country and people, many saw “soon to be prime minister” as a promising future prime minister. Now, as he stands on the verge of taking that position, I can’t help but wonder: does he actually have his own agenda for governing the country successfully? Criticizing Justin won’t be enough for people to measure his achievements anymore.

And then, there’s me—an immigrant. No matter who is in power—the president of another nation, my province chief, or the soon-to-be prime minister of my country—I remain the Other. To these Republicans and conservatives, I am just someone who came to their country for a better life. The moment they decide they no longer need my labor, they won’t hesitate to put me on a military plane and send me back to where I came from.

Imposition of Tariff by Donald Trump Led to Trade War

On February 1, 2025, President Donald Trump announced significant tariffs targeting Canada, Mexico, and China, citing concerns over illegal immigration and fentanyl smuggling. The U.S. will impose a 25% tariff on Canadian and Mexican imports, and a 10% tariff on Chinese goods, effective Tuesday. (reuters.com)

In response, Canada and Mexico have announced retaliatory tariffs on American goods. Canadian Prime Minister Justin Trudeau unveiled counter-tariffs affecting $155 billion worth of U.S. products, warning Americans of potential job losses and increased costs. Mexican President Claudia Sheinbaum also declared retaliatory measures, emphasizing the importance of cooperation over conflict. (pbs.org)

Economists and trade analysts have criticized these actions, predicting economic downturns, job losses, and higher costs for American households and businesses. Critics argue that the tariffs violate the U.S.-Mexico-Canada Agreement (USMCA) and risk destabilizing the integrated North American economies. (apnews.com)

President Trump acknowledged that Americans might experience “some pain” from these measures but asserted they were essential to “make America great again.” He emphasized the need to address economic emergencies like illegal immigration and fentanyl smuggling. (apnews.com)

Financial markets have reacted to these developments, with significant declines following the tariff announcements. Major companies, including Amazon, Google parent Alphabet, and Palantir Technologies, are expected to report earnings this week, which may further influence market dynamics. (investors.com)

The situation remains dynamic, with potential for further economic and political repercussions as the involved nations navigate this escalating trade conflict.

For a visual summary of these events, you might find the following video informative:

Sources

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ट्रम्पले लगाएको ट्यारिफले विश्वमा व्यापार युद्ध निम्त्यायो

यहाँ फेब्रुअरी १, २०२५ मा अमेरिकी र क्यानाडेली मिडियामा प्रकाशित ट्यारिफ युद्धसम्बन्धी प्रमुख समाचारहरूको संक्षिप्त विवरण छ:

ट्रम्पले क्यानडा, मेक्सिको, र चीनमा भारी ट्यारिफ घोषणा गरे

  • अमेरिकी राष्ट्रपति डोनाल्ड ट्रम्पले क्यानाडा, मेक्सिको, र चीनबाट आयात गरिने सामानहरूमा नयाँ ट्यारिफ लगाउने घोषणा गरेका छन्।
  • क्यानाडा र मेक्सिकोबाट आउने सामानहरूमा २५% ट्यारिफ लगाइनेछ भने चीनबाट आउने सामानहरूमा १०% ट्यारिफ लागू हुनेछ।
  • ट्रम्पले अवैध आप्रवासन र फेन्टानिल ओसारपसार नियन्त्रण गर्न यी कदमहरू आवश्यक रहेको बताएका छन्।

क्यानडा र मेक्सिकोको प्रतिकार

  • क्यानाडाका प्रधानमन्त्री जस्टिन ट्रुडोले अमेरिकी सामानहरूमा $१५५ अर्ब बराबरको प्रतिशोधात्मक ट्यारिफ घोषणा गरे।
  • ट्रुडोले चेतावनी दिए कि अमेरिकी उद्योगहरूलाई ठूलो क्षति पुग्नेछ र धेरै अमेरिकी नागरिकहरूले रोजगारी गुमाउन सक्छन्।
  • मेक्सिकोका राष्ट्रपति क्लाउडिया शेनबामले पनि अमेरिकी उत्पादनहरूमा ट्यारिफ लगाउने घोषणा गरे।

विश्लेषकहरूको चेतावनी

  • अर्थशास्त्रीहरू र व्यापार विशेषज्ञहरूले यी ट्यारिफहरू अमेरिका, क्यानाडा, र मेक्सिको सबैका लागि हानिकारक हुने चेतावनी दिएका छन्।
  • यी ट्यारिफहरूले अमेरिकी उपभोक्ताहरूका लागि सामानहरूको मूल्य वृद्धि गर्नेछ र हजारौं रोजगारी संकटमा पार्नेछ।
  • आलोचकहरूले भनेका छन् कि ट्रम्पको निर्णय USMCA (यूएस-मेक्सिको-क्यानाडा सम्झौता) विपरीत छ र उत्तर अमेरिकी अर्थतन्त्रलाई अस्थिर बनाउन सक्छ।

बजारमा असर

  • ट्यारिफ घोषणापछि वित्तीय बजारमा गिरावट आएको छ।
  • ठूला कम्पनीहरू जस्तै अमेजन, गुगलको मूल कम्पनी अल्फाबेट, र पलान्टिर टेक्नोलोजीले छिट्टै आफ्नो आर्थिक प्रतिवेदन सार्वजनिक गर्नेछन्, जसले थप प्रभाव पार्न सक्छ।

ट्रम्पको बचाउ

  • ट्रम्पले स्वीकार गरेका छन् कि अमेरिकी उपभोक्ताहरूले केही महँगी सहनुपर्नेछ, तर उनले यो “अमेरिकालाई फेरि महान बनाउन” आवश्यक कदम भएको दाबी गरेका छन्।
  • उनले अर्थव्यवस्थालाई सुधार गर्ने उद्देश्यले यो नीति अपनाइएको बताएका छन्।

स्थिति जटिल बन्दै

  • यी व्यापार विवादहरूले तीन देशहरूबीचको आर्थिक सम्बन्धलाई गम्भीर असर पार्ने संकेत देखिएको छ।
  • क्यानडा, मेक्सिको, र चीनले अमेरिकाको निर्णयको थप विरोध गर्ने सम्भावना रहेको छ।

यो व्यापार युद्ध कसरी अगाडि बढ्छ भनेर हेर्न बाँकी छ, तर हालसम्मको प्रतिक्रियाले विश्व अर्थतन्त्रमा ठूलो प्रभाव पार्ने देखिन्छ।

How Much Is Our Interest Rate After Bank of Canada’s January, 2025 Interest Rate Cut?

The Bank of Canada has reduced the interest rate to 3%. This means the Bank of Canada’s rate is now 3%. However, the Bank of Canada only lends to banks, not to individuals. Therefore, there is the Commercial Bank Prime Rate, and banks set their rates based on the Bank of Canada’s rate. As a result, the Commercial Bank Prime Rate is now 5.2%. The Home Equity Line of Credit (HELOC) rate ranges between 5.2% and 5.7%. If you are paying more than 5.7%, you can negotiate with your bank to lower the rate.

Variable rates are available at a discount of 0.65% to 1.15% from the Bank Prime Rate. These rates range from 4.05% to 4.55%. The advantage of variable rates is that the penalty is only 3 months’ interest.

Fixed rates have also decreased. The 5-year fixed rate is between 3.99% and 4.24%, while the 3-year fixed rate is between 4.04% and 4.19%. These rates are available for renewals, transfers, and refinancing.

So, go to the market, negotiate the rates, and try to lower them. If you have received a renewal notice, you can reduce the rates. Negotiate with your bank, try to lower the rates, and if necessary, even threaten to leave the bank. This is important to do.