It’s interesting how much we can find out about the world’s history through movies and mainly its economic side thanks to Wall Street, which has inspired the film industry since 1929 (yes!). It will continue to do so as we see significant technology changes, especially after the recession and rise of cryptos. But, let’s see who are the greatest antagonists in the movies we know and ones that should be on our movie list. Some are rather unexpected although they are playing forex traders, since the accent is on the other side of the personality, but is it that disconnected from their job? Is it a consequence of capitalism? Let’s see some top antagonists, who people either love or hate in the movies. 

The Wolf of Wall Street (1929) and The Wolf of Wall Street (2013)

Believe it or not, even though DiCaprio pushed for this film to be made and was impressed by Jordan Belfort’s story, there was another Wolf of the Wall Street called Jim Bradford, a world-class stock manipulator. The Academy Award-nominated George Bancroft played him. Imagine playing such an exciting role where, months before the market crash when the Great Depression started, portrayed the world of obscenity, madness, and manipulation to gain more and more. It’s important to mention the film had sound since it was still a new thing to have talking movies. 

Compared to Dicaprio’s role, there is not much difference if you tell apart different periods. The drive is the same – get more, earn more, be more recognizable and ultimately feel the consequences of this way of life. While Bradford is a real antagonist, Belfort doesn’t seem like that at first. Mostly since he redeemed himself in real life by still working, staying away from suspicious activities – it looks like he learned his lesson after losing almost everything he cherished. Even though we don’t look at Dicaprio’s role as antagonistic, we are witnessing someone with a simple drive leading a better life to become the antagonist in the end, even though he didn’t have bad intentions in the beginning. Is it what Wall Street can bring you if you get money too fast, and don’t process it? And how do you process becoming rich in such a short time?

2. Wall Street (1987)

Don’t worry, not every movie about the stock market has “Wall Street” in the title. This movie is essential antagonist-wise because it depicts the 80s excess where Gordon Gekko is the main antagonist ruthlessly running the corporate market. Charlie Sheen took on Gekko’s protegee Bud Fox’s role, and famous Michale Douglass plays Gekko. You can hate the character of Gekko since many real-life traders inspire him, but in the end, the industry is portrayed with a sentence that follows that kind of life, when Gekko says “If you want a friend, get a dog”. Nobody is your friend if you are working with money.

3. Boiler Room (2000)

Boiler Room is a must – watch a movie for every broker who’s just starting. The main character, Seth Davis, You will not come across a broker who hasn’t seen it or at least heard of it. The antagonist in the movie is the whole brokerage company that Giovanni Ribisi joins, after being busted for running an unlicensed casino. Even though his first job was quite sketchy, he quickly realized what he got into was far more sinister and robbed clients. This movie is based on real experiences. Since writer and director, Ben Younger interviewed many brokers to write the best screenplay he wanted. By the end of the movie, the question is, how far people are willing to go to secure their finances and what becomes too much?

4. American Psycho (2000)

The most famous antagonist where often people don’t even think about Patrick Bateman, played by Christian Bale is an investment banking executive. Yes, we see his “perfect” life and all the expensive things he owns, but we instead connect it with his psychopathic character rather than his job. As he descends into his madness led by his alter ego, in the end, we have to ask ourselves, what is this movie really about? It is still speculated by many is it merely someone with an illness represented in an unorthodox way. Still, maybe it’s another way to show how far people can go if their character is already prone to instability once they gain “everything that is wanted by many”.

5. Margin Call (2011)

Margin Call depicts a whole day before the 2008 financial crisis. There are many big stars in the movie from Kevin Spacey to Jeremy Irons and Zachary Quinto. The film was meant to show us, by the director’s words, the tragedy of lost potential and how manipulated a system can be. 

6. Arbitrage (2012)

Richard Gere was nominated for a Golden Globe Award thanks to his portrayal of Robert Miller, a hedge fund manager who goes on a trip trying to cover up his company’s frauds. He desperately tries to sell his company before everything gets revealed, but life gets in the way, and he becomes even more on the edge when unfortunate events unfold. 

In conclusion

What do you think? Is the case of antagonists in this line of job natural or bound to become one? Maybe it’s both? Where would you draw the line if you were in the same position?

The pandemic has made one thing clear – a health emergency can arrive any time and shatter the dreams of not only the affected but also a score of other people. To make things worse, a health emergency also comes with a financial emergency, and arranging funds becomes challenging, almost always. A financial crisis may also happen due to an unexpected job loss or a lack of demand in business.

With PNB Housing Finance FD, you do not need to spend sleepless nights anymore. If you save a part of your income every month, PNB Housing Finance’s high FD interest rates and easy withdrawal options, make sure that your emergency corpus is a click away when you need it urgently.

Here are the best features of an FD based emergency fund.

Withdraw Money Anytime You Wish To

As an emergency does not come with a warning, PNB Housing Finance FD comes with premature withdrawal option. You can withdraw money anytime you wish to, irrespective of the FD term. However, there is a mandatory lock-in period of three months, before which you cannot withdraw the amount. But, when you look at the high FD interest rates, this trade-off seems normal. Hence, it’s reasonably easy to get the FD-based emergency fund whenever the need arises.

High FD Interest Rates

When you avail an insurance policy, you pay for an indefinite period, and in most cases, the premium does not come back to you. Similarly, when you avail a loan or credit card, you may have to pay a high rate of interest. PNB Housing Finance FD, on the other hand, is a no-frills investment option, in which the money remains legally yours until the end of the deposit tenure, and it keeps generating money, only to come back to you when you require it.

PNB Housing offers industry-best Fixed Deposit interest rates which start from 5.90% for an FD of 12 months to 6.70% for a 120-months FD. If you choose the cumulative option, the tentative yield to maturity may go as high as 9.13% for a 120-months’ FD. Hence, unlike other options to get emergency funds, where you pay to get urgent money, PNB Housing Finance FD offers you an appreciation of your capital.

Now that you know how PNB Housing Finance FD can help you to create an emergency fund, it is the best time to explore ways how you can manage your finances to tide over an emergency.

• Save every month – Make it a habit to keep a specific amount every month which you can use to invest in PNB Housing Finance FD and get high interest rates.
• Cut Costs – While this does not mean you have to sacrifice your pleasures, you may sometimes regulate your spending and save money for the emergency fund. Let’s assume you drive your car to the office six days a week. You may try to avail public transport twice a week and contribute the amount for a worry-free future.
• Use Windfall Gains to Increase Your Investments – At times, you may receive a lump sum from your office or existing investment. It is wise to spend a part of it and reinvest it to create a PNB Housing Finance FD.

Conclusion

Not having an emergency fund may worsen a financial crisis. The best time to start creating your emergency funds is now, and PNB Housing Finance’s high FD interest rates will do the rest.

The Government of India levies income tax on the earnings of the country’s citizens and non-resident Indians with a source of income in this country. For every financial year, individuals are also required to file their income tax returns within 31st August for the respective assessment year.

The procedure of income tax payment has now become more straightforward and hassle-free with the introduction of the online process. The income tax India login portal will help you to pay your taxes online without depending on any third-party.

How to register and log in to the income tax portal?

Before paying your income tax, you need to complete the online registration process. Following is a step-by-step guide to help taxpayers complete their registration for income tax login in India and return filing –

• First, visit the official website of the Income Tax Department of India.

• On its homepage, you will find an option ‘Register Yourself’. Click on it to begin this process.

• At the beginning of this registration process, you need to select the user type from a drop-down available.

• Enter the necessary details like PAN, name, date of birth, etc.

• Duly fill in the registration form with other essential details and password.

• Once this process is complete, you will receive a six-digit OTP. Enter it to verify the details provided.

A point to note here is that your PAN will be your user ID. So, there is no need to create a separate username for your account.

The process of income tax e-filing

The process of e-filling of an income tax return includes the following steps –

• At first, visit the portal of income tax e-filling.

• Next, log in to this portal via user ID (PAN), password, and captcha.

• Now, click on ‘e-File’ and then on ‘Income Tax Return’.

• After that, select assessment year, ITR form number, filling type (original or revised return), and then choose the ‘submission mode’.

• Click on ‘continue’.

• Following that, fill up the applicable and mandatory boxes on the online ITR Form, and make sure to read the instructions carefully.

• Then, select the adequate verification process under the ‘Taxes Paid and Verification’ tab.

• Now, verify the ITR information by clicking on ‘Preview and Submit’.

• Submit the income tax return.

• Use the OTP sent to your mobile phone to complete verification and conclude the process.

Documents required for registering and filing income tax

Since income tax login in India is mandatory to file the IT return, one must keep the essential documents handy to finish this process without any hurdles. Here is a list of essential documents that you need to complete this process –

• PAN.
• Aadhaar card.
• Valid mobile number and e-mail ID.
• Bank account details.
• Income proof.
• Investment details along with certificates as their proof.
• Form 16 and 26 AS.
• Documents associated with deductions under Section 80U and 80D.

Importance of income tax return as proof of earning

An income tax return is one of the essential documents required for your home loan approval, among several other requirements. Lenders consider this document as proof of your monthly income and evaluate your repayment capacity based on that.

Additionally, while repaying a home loan, you should know the tax exemptions and benefits that you are eligible for on your repayment.

The loan application is further streamlined with pre-approved offers provided by lenders. The aim of these offers is to help save time on loan processing and make it hassle-free. These offers are available on financial products like home loans, loans against property, etc. You can quickly check your pre-approved offer by providing your essential contact details.

A simple income tax login in India allows you to file your IT return quickly and in a simplified manner. The introduction of this online process also helps you to pay your income tax as per your convenience, not to mention simplifying the process of availing a home loan with documentation fulfilment.