Introducing 'my friend' Mr Sharma

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Do you know Mr Sharma (not his real name)? Well, let me introduce him to you. He's roughly 52-55 years of age. He works in a public sector bank which serves a really bad lunch; where the AGM finance hardly knows his stuff and all that he really does is flirt around with his lady secretary. The bank did not pay up the promised mid-year bonus to its staff and fired three of its senior staff for siphoning of a formidable amount of money. Sharma lives in Dombivili and has booked for a new apartment (a 2-BHK) in Khargar, Navi Mumbai. He'll then stop travelling on the Central-Thane line and move onto the harbour suburban train line. The frequency of trains on that line's not as good but it wouldn't matter much since he'll be traveling during non-peak hours. He chose not to take a loan from....