BRICS rating agency

There are three popular rating agencies in world today i.e. Fitch, Moody's and S&P. These rating agencies have consistently given a poor rating to India because

• Indian taxes are too high and complex.
• India law&order situation is weak. Justice is not delivered or often delivered late.
• Indian bureaucracy is big and corrupt. It is difficult to get work done on time in any government department, without paying bribes.

To improve its rating, India had to

• Reduce taxes
• Reduce bureaucracy, rules and regulations
• Privatize many government agencies like BSNL, MTNL, Railways, etc.
• Stream-line the justice delivery system.
• Disallow politicians/bureaucrats from interfering in the day to day running of any government owned business.

But instead of making the above changes to improve the life of Indians, the government wants to setup a new rating agency. Reference.
This is akin to a student, who keeps failing in exam. Instead of studying harder, he wants to change the teacher.
With an attitude like this the student (Indians) will not see any real improvement.

Why do Governments hate cash?

Most governments, all over the world, encourage citizens to go cashless. The main reason are

• Control: If government can see all transactions, then it gives more power to government. The Government can easily see who is participating in anti-government riots, which business house/group is financing its opponents.
• Taxes: A cashless transaction is a taxable transaction. Cashless means more taxes for government.

What should common citizens do?
A common citizen should not allow government to grow bigger or powerful. So a common citizen should transact using cash (or crypto-currency like Bitcoin). This way government has lesser control over people and taxes may be lesser.

So let us be smart. Pay cash wherever possible.

Bullet train from Mumbai to Ahmedabad

The cost is expected to be 17 billion US dollars. Let us assume that cost of maintenance is 10%. So if the project is used for 50 years, the total cost over 50 years will be 13,781 billion US$.
Let us say the cost of ticket is Rs 1,000. So per day about 500 lakh people have to travel by this train so that project does not make any loss. This is impossible because the bullet trains don't have that carrying capacity and there is not so much traffic between the two cities.

BitCoin is a bubble

In Year 2000, .com stocks were going exponential. Many people, without knowledge of how to read a company financial statement, were buying .com company stocks. Some people (initial investors who cashed out before the bubble burst) did make money. But many people lost a lot of money in .com crash.

Nowadays, Cryptocurrencies (like Bitcoin) are going exponential. Many people want to buy these cryptocurrencies. This is a repeat of .com bubble.
.com companies stock crashed because the companies were not making any profit. So the shares did not have much value.
New cryptocurrencies are springing up almost daily. Cryptocurrencies have no intrinsic value. So, in future, most cryptocurrencies will crash (but some will likely succeed).

Some people (initial investors who cash out before the bubble bursts) will make money. But many people will lose a lot of money in cryptocurrencies.

Real estate as investment

Why do real estate prices keep rising faster than people's income in most parts of the world?
Governments want real estate prices to rise faster than the economy. When prices rise,

• more taxes are collected.
• more employment is generated.

To aid the rise in real estate prices, governments

• give tax concessions to real estate investments.
• lower interest rates for real estate loans.

When real estate prices rise, more people are attracted to the real estate investments. The cycle is self-fulfilling and similar to a Ponzi scheme.

How will this cycle end?
The cycle can end in two ways

1. There is a collapse of real estate prices. This is unlikely because government will pass laws to cushion the fall e.g. lower interest rates, tax concessions to real estate investments, etc.
2. Real estate prices will stay flat or be mostly stable. This is more likely because of government's support to real estate.

Real estate has ceased to be a good investment in most parts of the world. Sure, if you want to live in a house, go ahead and buy it. But, if you are purchasing property, so that you will sell it for a profit in few years; then it is likely that you will make a loss or (at best) little profit.

Reason for poor health is excess not deficiency

Most poor health discussion is about getting enough protein, omega-3, calcium, potassium, etc. But the primary reason for poor health in most people is excess, not deficiency.

Look around, most people are obese. Diabetes, cancer, heart disease, etc is caused by excess of nutrients e.g. too much fat from animal leads to heart attack, too much protein can lead to cancer, etc.

If the size of your waist/hips is much more than your chest, then it is likely that you are consuming food in excess. One way to decrease calorie intake is to replace oily food by raw fruit/vegetables.

Why did USA attack Syria?

The official reason from USA is, "Assad is killing his citizens with chemical weapons. To protect women and children, USA wants to remove Assad from power."

I think the official reason is fake. The real reasons, in my opinion, are mentioned below.

• Russia and China have made an agreement that they will not use US dollar to settle their trade accounts; instead they will use gold. This will decrease the demand of dollar. So inflation in USA will rise. Tomorrow, more countries will dump the dollar. This will cause the value of dollar to collapse. USA will lose power and wealth.
  Syria and Russia have close military ties. By attacking Syria, USA is putting pressure on Russia. USA wants Russia to cancel the gold trade deal with China.
• Saudi Arabia is a close ally of USA. Saudi Arabia wants gas pipeline, supplying fuel to Europe, to go through its country area. An alternative route is via Iran and Syria; both the countries are hostile to USA. If Assad is replaced by an USA puppet, then the pipeline will go through Saudi Arabia. So USA is helping its allies by bombing Syria.
• The long term goal of globalists is "one world government" and "one world currency (like SDR)". Today countries have their own rules and taxes. So a person, dominant in one country, can be nobody in another country. For "one world government" and "one world currency", the power of USA and Europe must decline; there should be unrest in many countries. Then as a solution to world problems, "one world government and currency" can be implemented by globalists.
  By having USA attack Syria, the power of USA declines and unrest is caused in middle-east. So the globalists are moving towards achieving their agenda.

What can we do to stop war?

• Spread this message
• Vote for party/person that opposes war
• Buy gold/silver and keep minimum wealth in fiat currencies like dollar.