My passport photo taken 15 Dec 2017.

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A. Introduction

Shyam was a yogi, having practised yoga since childhood and teaching it since age 21.
He was born in Enfield, Middlesex, England and went to Cambridge University to study mathematics.
After that, he had a highly successful career in finance in the City of London.
Although British, his father, Batuk, was from Surat in Gujarat and his mother Jewish from Czechoslovakia.
He was Hindu, and is vegetarian and teetotal. He has had a variety of religious experiences in his life and worships Lord Vishnu.
He performed Ishvara Pranidhana (surrender to God) in 2001, and Lord Vishnu married Him in 2002.

Strange things have happened throughout Shyam's life, as noted below.
He is Kalki, the avatar of Vishnu foretold in the Buddhist and Hindu scriptures.

In 2001 he founded The Loving Heart Centre, his organization for promoting love and happiness in the world.
He has since written numerous articles about fitness, sex, love, right and wrong...

In terms of interests, he is a writer (see list of books below), a watercolour painter (but not practising at present), and is interested in exercise and yoga.
You can download his book My Book of Paintings.

He also likes walking in the countryside and seaside, doing natural things, listening to music, dancing...

But, his real interest is bringing love to all whom he meets, people, animals, and also people whom he has never met.

He believes that goodness IT WILL HAPPEN and IT WILL HAPPEN SOON.

His email address is

Shyam is gay, lesbian (but not interested in women), transsexual and transgender and also straight.

He is high on ecstasy and also on his many tatoos, and wears anklets.

He is truthful also.Some of the statements in this section A are not true, eg high (he is only nearly 8 foot tall, about 3 metres), gay,..

B. Financial Career

Shyam has worked for some of the biggest most prestigious financial firms in the world, including:

  • Bacon and Woodrow: Consultant.
    Consulting to the insurance and pensions industries (1975-86).
  • Shearson Lehman Hutton: Associate Director.
    Conducting research into the worldwide life and property/casualty industries (1986-88).
  • Tillinghast Towers Perrin (now Towers Watson): Research Consultant.
    Responsible for European R and D, consulting particularly on risk and pricing issues (1988-96).
  • Merrill Lynch (now Bank of America Merrill Lynch): Director, Global Industry Specialist Group.
    Working with numerous institutional clients on asset/liability and derivative strategies and on securitization (1996-98).
  • Watson Wyatt (now Towers Watson): Equity Partner in the Insurance Practice.
    He engaged in research and consulting, particularly concerning the application of modern finance (1998-2001).
  • to European financial institutions, and building the firm's asset modelling capabilities.
  • BNP Paribas: Member of the Financial Institutions Group management committee, Head of Insurance and Pensions Strategy.
    He helped BNP Paribas' institutional clients on their corporate finance/mergers and acquisitions and capital markets issues,
    including topics such as shareholder value strategy, capital raising, securitization, asset/liability policy (2001-03).
  • and use of derivatives (2001-03).
  • Skandia Group: Head of Long Term Financial Risk Management.
    Examining risk, value and strategic issues for the Group CEO, CFO and Chief Actuary (2003-05).
  • In the actuarial profession, Shyam had a high profile as a result of papers such as "Pricing of Insurance Risk",
    "Quantifying the Success of a Life Office- Cost of Capital and Return on Capital",
    "Allowing for Asset, Liability and Business Risk in the Valuation of a Life Office" and
    "The Financial Theory of Defined Benefit Pension Schemes" (which he co-authored with Jon Exley and Andrew Smith).

    C. Shyam is a huge intellect:

  • He has (with the help of some like minded friends of his) transformed the way that
    insurance financial mathematicians (actuaries) evaluate the finances and risks of insurance
    companies and pension funds across Europe and the Far East.
  • In the field of physics, his book 'Physics' irons out all the main controversies
    and absurdities in modern physics and sets out the true laws of physics. However, he notes that
    physics is at best a useless subject, being responsible for weapons of mass destruction,
    the destruction of the environment, etc.
  • In his book 'Science' he argues that Western science is either useless or flawed
    and replaces it with a number of (testable, useful) sciences of his own. He sets out scathing
    criticisms of medicine and psychology in particular. He sets out new science of Individual
    Behaviour and of Human Interaction.
  • In his book on Natural Medicine Shyam notes the slow subtle debilitating effects of
    Western Medicine drugs and interventions and notes that the Western pharmaceutical and other
    industries have no incentives to test for the dramatic side effects that Shyam reveals.
    Shyam notes that it is a myth that Western medicine prolongs life or reduces suffering,
    these being set by one's Karma
  • In his book 'Oxford University' Shyam shows that this is not a scholarly institution
  • In the field of education, his books on how to educate children show how it should be done
  • On the subject of history, he sets out the single reason for the whole of the history
    of the universe, from its beginning. From this one can understand what is and has been going on
  • In his book 'Western Philosophy' he shows what fools Western Philosophers are
  • D. Works

    He has written the following books:

    A Book of Jokes, ISBN: 978-1-4092-9071-1
    A Book of Poems, ISBN: 978-1-4092-8831-2
    A Man's Guide to Developing Love and Happiness, ISBN: 1-4121-5210-0
    A Storybook for Children
    Asset and Liability Management Tools: A Handbook for Best Practice
    Astrology and Dream Analysis, ISBN: 978-1-4092-9024-7
    Economics, ISBN: 978-1-4092-9137-4
    Future World, ISBN: 978-1-4092-9058-2
    How to Teach Your Child English, ISBN: 978-1-4092-9135-0
    How to Teach Your Child General Knowledge, ISBN: 978-1-4092-9104-6
    How to Teach Your Child Maths, ISBN: 978-1-4092-9103-9
    Human Being Self Analysis Kit, ISBN: 1-4121-5380-8
    Indian Philosophy and Religion, ISBN: 1-4121-5211-9
    Lessons from Animals, ISBN: 978-1-4092-8897-8
    Life Assurance Sector Review(1987)
    More Poems and Songs, ISBN: 978-1-4092-9311-8
    Music to Bring you Closer to God, ISBN: 978-1-4092-9277-7
    My Book of Paintings
    Natural Medicine
    Oxford University, ISBN: 978-1-4092-9098-8
    People with no Clothes, ISBN: 1-4121-5365-4
    Perfecting Your Emotional Energy Sphere, ISBN: 1-4121-5164-3
    Perfecting Your Love Energy Sphere, ISBN: 1-4121-5169-4
    Perfecting Your Mental Energy Sphere, ISBN: 1-4121-5165-1
    Perfecting Your Physical Energy Sphere, ISBN: 1-4121-5167-8
    Perfecting Your Sexual Energy Sphere, ISBN: 1-4121-5163-5
    Physics, ISBN: 978-1-4092-9114-5
    Poems and Songs, ISBN: 978-1-4092-8885-5
    Science, ISBN: 1-4121-5235-6
    Spiritual and Religious Journey, ISBN: 1-4121-5206-2
    Stories for Children, ISBN: 978-1-4092-8990-6
    The 108 Heads of Lord Patanjali, ISBN: 1-4121-5160-0
    The History of the World, ISBN: 1-4121-5166-X
    The Psychology of the Mind, ISBN: 978-4092-9042-1
    Western Philosophy, ISBN: 1-4121-5207-0
    Yoga, ISBN: 1-4121-5161-9
    Yoga: The Iyengar Way, Part II, ISBN: 978-1-4092-9089-6
    Your Self and Mind, ISBN: 1-4121-5208-9

    E. Some events in Shyam's life:

    1 He was born on 7 December 1952:
    On that date, a smog so dense covered London that 12,000 people died and 100,000 were made ill.

    2 He went to India as a baby on 3 December 1953.
    Prime Minister Jawahailul Nehru of India said that he sees "no near chance of war".

    3 He returned to London from Mumbai on 8 December 1960:
    The 'Great Smog' enveloped London, causing 12,000 deaths.

    4 In 1968/1969 he became interested in the stock market and in investment:
    Major stock market decline in 1970 adversely affected my stock broker.

    5 He joined his first employer as a trainee actuary in 1974:
    The worst ever fall in the UK stock market, 74%. Many of the partners in his firm lost a fortune.

    6 His next employer was the largest stock brokerage firm in the world, Shearson Lehman Hutton:
    The major global stock market fall of October 1987, where they lost $27 billion.

    7 The collapse of all his former employers not long after he left them:
    Bacon and Woodrow, Shearson Lehman Hutton, Tillinghast Towers Perrin, Merrill Lynch, Watson Wyatt, BNP Paribas, Skandia Group

    8 The stock market of crisis of 2001-3:
    When he was employed at the biggest French bank, BNP Paribas.

    9 The world financial crises of 2007-2009:
    When he decided to retire from working in the City of London.

    10 On 8 February 2017 he left the UK for Kerala.

    11 USA, Ukraine wiped out November 2017

    12 All world governments resign October 2017

    13 For some other developments, see Public Announcements and World Governance

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