Blogging awards nomination


I have been writing for quite sometime now. More than me writing there are people in this world who are following me diligently , reading every small thing i write on my blog. I have been also reading quite a lot of blogs and i found them inspiring and loved the writing . Hence i am nominating some of my blogger friends for writing an awesome blog.

I was nominated for the same award from

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The Rules:

1. Display the logos of the awards on your blog.

2. Link back to the person who nominated you.

3. State seven things about yourself.

4. Nominate fifteen other bloggers for this award and link to them.

5. Notify these bloggers of the nomination and the award’s requirement.


My nominations for these awards , quite a tough one for me to choose.



Change is constant…


Change is constant , everything else is variable. True it is. Its been what a decade , that we have seen a tremendous amount of changes in this world economy. Yes we have, especially after we were hit by the turmoil that began in 2007. Interestingly we not only saw the turmoil in the financial world , but we had a ripple effect of this on other areas. Fiscal deficits rose, imports and exports were hit, currencies started loosing their . It was hard to believe for me to see dollar hitting Rs38,Rs39. What more?

Every situation demands a change. This one too. I myself being into investment banking world thought about. Although i am just a pawn in this game of chess , but i think its our thought process that makes a lot of difference in this world. So i started thinking about it.


Cover (Photo credit: Wikipedia)

Now whats the most important thing for any company in this world ? Think about it . Its very obvious . Well the answer is its shareholders , investors. The key to remain stable or successful is to retain the confidence of the investors even if the water has reached the deck of your ship. This confidence will only can save your sinking ship. Well yes, didn’t we see many ships sinking. I don’t need to take names. 🙂 .

So , i thought of a platform. A platform where investors could interact with each other. More of networking. It was all about being social on a individual investment. So, think of a facebook page where individual investors would have access to each other .  This would give an opportunity for investors to interact with each other. May be your company might end up attracting more investors. A competitive way to get your sinking ship back to sailing. 🙂

Let me think more on it.

Shwetal – An avid writer.




Too crazy to be believed 50 economic stats…from 2011 courtesy below website.

The following are 50 economic numbers from 2011 that are almost too crazy to believe….

#1 A staggering 48 percent of all Americans are either considered to be “low income” or are living in poverty.

#2 Approximately 57 percent of all children in the United States are living in homes that are either considered to be “low income” or impoverished.

#3 If the number of Americans that “wanted jobs” was the same today as it was back in 2007, the “official” unemployment rate put out by the U.S. government would be up to 11 percent.

#4 The average amount of time that a worker stays unemployed in the United States is now over 40 weeks.

#5 One recent survey found that 77 percent of all U.S. small businesses do not plan to hire any more workers.

#6 There are fewer payroll jobs in the United States today than there were back in 2000 even though we have added 30 million extra people to the population since then.

#7 Since December 2007, median household income in the United States has declined by a total of 6.8% once you account for inflation.

#8 According to the Bureau of Labor Statistics, 16.6 million Americans were self-employed back in December 2006.  Today, that number has shrunk to 14.5 million.

#9 A Gallup poll from earlier this year found that approximately one out of every five Americans that do have a job consider themselves to be underemployed.

#10 According to author Paul Osterman, about 20 percent of all U.S. adults are currently working jobs that pay poverty-level wages.

#11 Back in 1980, less than 30% of all jobs in the United States were low income jobs.  Today, more than 40% of all jobs in the United States are low income jobs.

#12 Back in 1969, 95 percent of all men between the ages of 25 and 54 had a job.  In July, only 81.2 percent of men in that age group had a job.

#13 One recent survey found that one out of every three Americans would not be able to make a mortgage or rent payment next month if they suddenly lost their current job.

#14 The Federal Reserve recently announced that the total net worth of U.S. households declined by 4.1 percent in the 3rd quarter of 2011 alone.

#15 According to a recent study conducted by the BlackRock Investment Institute, the ratio of household debt to personal income in the United States is now 154 percent.

#16 As the economy has slowed down, so has the number of marriages.  According to a Pew Research Center analysis, only 51 percent of all Americans that are at least 18 years old are currently married.  Back in 1960, 72 percent of all U.S. adults were married.

#17 The U.S. Postal Service has lost more than 5 billion dollars over the past year.

#18 In Stockton, California home prices have declined 64 percent from where they were at when the housing market peaked.

#19 Nevada has had the highest foreclosure rate in the nation for 59 months in a row.

#20 If you can believe it, the median price of a home in Detroit is now just $6000.

#21 According to the U.S. Census Bureau, 18 percent of all homes in the state of Florida are sitting vacant.  That figure is 63 percent larger than it was just ten years ago.

#22 New home construction in the United States is on pace to set a brand new all-time record low in 2011.

#23 As I have written about previously, 19 percent of all American men between the ages of 25 and 34 are now living with their parents.

#24 Electricity bills in the United States have risen faster than the overall rate of inflation for five years in a row.

#25 According to the Bureau of Economic Analysis, health care costs accounted for just 9.5% of all personal consumption back in 1980.  Today they account for approximately 16.3%.

#26 One study found that approximately 41 percent of all working age Americans either have medical bill problems or are currently paying off medical debt.

#27 If you can believe it, one out of every seven Americans has at least 10 credit cards.

#28 The United States spends about 4 dollars on goods and services from China for every one dollar that China spends on goods and services from the United States.

#29 It is being projected that the U.S. trade deficit for 2011 will be 558.2 billion dollars.

#30 The retirement crisis in the United States just continues to get worse.  According to the Employee Benefit Research Institute, 46 percent of all American workers have less than $10,000 saved for retirement, and 29 percent of all American workers have less than $1,000 saved for retirement.

#31 Today, one out of every six elderly Americans lives below the federal poverty line.

#32 According to a study that was just released, CEO pay at America’s biggest companies rose by 36.5% in just one recent 12 month period.

#33 Today, the “too big to fail” banks are larger than ever.  The total assets of the six largest U.S. banks increased by 39 percent between September 30, 2006 and September 30, 2011.

#34 The six heirs of Wal-Mart founder Sam Walton have a net worth that is roughly equal to the bottom 30 percent of all Americans combined.

#35 According to an analysis of Census Bureau data done by the Pew Research Center, the median net worth for households led by someone 65 years of age or older is 47 times greater than the median net worth for households led by someone under the age of 35.

#36 If you can believe it, 37 percent of all U.S. households that are led by someone under the age of 35 have a net worth of zero or less than zero.

#37 A higher percentage of Americans is living in extreme poverty (6.7%) than has ever been measured before.

#38 Child homelessness in the United States is now 33 percent higher than it was back in 2007.

#39 Since 2007, the number of children living in poverty in the state of California has increased by 30 percent.

#40 Sadly, child poverty is absolutely exploding all over America.  According to the National Center for Children in Poverty, 36.4% of all children that live in Philadelphia are living in poverty, 40.1% of all children that live in Atlanta are living in poverty, 52.6% of all children that live in Cleveland are living in poverty and 53.6% of all children that live in Detroit are living in poverty.

#41 Today, one out of every seven Americans is on food stamps and one out of every four American children is on food stamps.

#42 In 1980, government transfer payments accounted for just 11.7% of all income.  Today, government transfer payments account for more than 18 percent of all income.

#43 A staggering 48.5% of all Americans live in a household that receives some form of government benefits.  Back in 1983, that number was below 30 percent.

#44 Right now, spending by the federal government accounts for about 24 percent of GDP.  Back in 2001, it accounted for just 18 percent.

#45 For fiscal year 2011, the U.S. federal government had a budget deficit of nearly 1.3 trillion dollars.  That was the third year in a row that our budget deficit has topped one trillion dollars.

#46 If Bill Gates gave every single penny of his fortune to the U.S. government, it would only cover the U.S. budget deficit for about 15 days.

#47 Amazingly, the U.S. government has now accumulated a total debt of 15 trillion dollars.  When Barack Obama first took office the national debt was just 10.6 trillion dollars.

#48 If the federal government began right at this moment to repay the U.S. national debt at a rate of one dollar per second, it would take over 440,000 years to pay off the national debt.

#49 The U.S. national debt has been increasing by an average of more than 4 billion dollars per day since the beginning of the Obama administration.

#50 During the Obama administration, the U.S. government has accumulated more debt than it did from the time that George Washington took office to the time that Bill Clinton took office.


Polinomics…. A lovely relationship


I was into a relationship few years back , and i learned many things out of it.  The most important part in any relationship is , you have to complement each other . As i have read this many times that a relationship is not about two perfect people coming together but its about two imperfect people coming together and complementing each others qualities and eventually falling in love to build a relationship. Even science says the same ” Opposites attract” 🙂 . Else you got a bumpy ride coming your way. In this world , do relationships apply only in our personal lives. I am sure the answer is no. And so you all will agree.

Economics , a beautiful concept which the whole world is working under. A framework. But Economics doesn’t work alone , every thing in this world is related. But now the best part is with whom. I say “Politics”. Both Politics and economics are not the same thing. They are exactly opposite concepts but they influence each other. And if a country’s economy is prospering , they complement each other. Not many people might agree to this. We have reforms , both political and economical.

I remember, in India until 1994 or may be 1995, i would only see either fiat or Maruti 800 CC , vehicle running on roads. And it used to be luxury , now  i am talking from a common mans perspective. Thanks to Dr. Manmohan Singh whose implementation has actually exposed Indian Economy to other countries. And that is why we have Honda , Volkswagen and BMW running on the roads.

Economic reforms, the way they are implemented , a lot depends on the political leadership of a country. A good leadership would lead to good reforms and eventually a good GDP.  India today is largely seen as a economy , which every country is eying. Right from the point of resourcing and outsourcing.

A good political leadership will lead to a good economic reforms for a country.

Now doesnt it automatically says, politics and economics are related. So let them be into a good relationship. And i call this relationship “Polinomics”

Enjoy reading and keep liking.

Shwetal- An Avid writer.