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Following are some statistics of the BJP government’s performance in Education, Healthcare, Social Welfare, Infrastructure and Economy & Finance since 2014.Education:6 new IITs, 7 new IIMs, 20 new AIIMS, 2 new IISERs and 8000 new CBSE schools got approved [1] [2] [3] [4]5400+ schools equipped with Atal Tinkering Labs under AIM [5]ATLs expose school children to emerging technologies like 3D Printing, Robotics, IoT, microprocessors etc. and aim to create a million Indian innovators of tomorrowHealthcare:10 crore (100 million) economically deprived families covered under free health insurance of up to INR 5 lakh under PMJAY [6]3 lakh people already benefited by free healthcare within 50 days [7]3.1 crore (31 million) children vaccinated against all preventable diseases under Mission Indradhanush [8]the program aims to ensure that all children under the age of two and pregnant women are fully immunized against life threatening diseases which can be prevented by vaccines [9]Social Welfare:10 crore (100 million) women got LPG gas connections for smoke free cooking under Ujjwala scheme [10]LPG coverage surged from 56% to 80% [11]12 crore (120 million) individuals received collateral free Mudra loans under PMMY to help them start / expand their business [12]28% of beneficiaries are first time entrepreneurs1.25 crore (12.5 million) houses constructed for poor families under PMAY scheme [13]this is 5 times the number of houses built under UPA’s last 4 years - 25 lakh (2.5 million)On target to achieve “housing for all” by 20228.8 crore (88 million) toilets constructed to address Open Defecation [14]more toilets constructed in 4 years than by all the previous governments put together in last 67 yearssanitation coverage soared from 38% to 96%5 lakh villages, 530 districts and 25 states / UTs declared Open Defecation FreeOn target to make India 100% Open Defecation Free by October 2019Infrastructure:73% more highways built in four years of BJP government than UPA’s last four years [15]Highway construction which was in the range of 4000 to 5000 km per year from 2008 to 2014, was increased to 6,000 km in FY 2016, 8,000 km in 2017 and 10,000 km in 2018 [16]Better connectivity translates to reduced cost of logistics, faster trade and rapid economic growth15 new cities undergoing Metro construction projects [17]660+ km of new Metro trains network in India24 new airports and helipads under Regional Connectivity (RCS) scheme out of which 22 are in North East [18]9 new airports and helipads in Arunachal Pradesh, 5 in Assam, 5 in Manipur, 1 each in Meghalaya, Tripura, Sikkim and 2 in J&K to increase connectivity with remote hilly areasConstruction started for new International Airports in Navi Mumbai and Noida to reduce the overload on currently saturated airports in Mumbai and New Delhi [19] [20]2,48,000 km optical fiber connected 3 lakh villages to high speed broadband services [21] [22]UPA II had laid 350 km from 2011 to 20141,10,000 village panchayats digitally connected by optical fiber [23]Digitally connected village panchayats from 2011 to 2014 under UPA were 59Solar Power Generation Capacity increased by 8 times from 2.6 GW in 2014 to 20 GW by 2018 (4 years ahead of its 2022 target) [24]total solar power generation capacity installed in 5 years from 2009 to 2014 was only 2.6 GW2022 target is now upped by 5 times to 100 GWData source: Business TodayInfrastructure expenditure increased by 134% between last year of UPA government and current year of present governmentInvestment in road sector alone increased by 189% [25]Economy & Finance:INR 3 lakh crore recovered from bank loan defaults within 2 years of launching Insolvency and Bankruptcy Code (IBC) [26] [27]10 lakh crore total NPAs were created under UPAINR 1.1 lakh crore in black money recovered through various government schemes [28]34 lakh (3.4 million) new businesses registered as tax payers within 1 year of launching GST [29] [30]INR 10 lakh crore collected as Direct tax collections in FY 2018. Direct tax growth rate soared to 7 years high of 17% [31]FY 15 - 8.9%FY 16 - 6.9%FY 17 - 14.6%FY 18 - 17.1%Direct tax buoyancy almost tripled (higher tax buoyancy indicates increasing tax compliance) [32]FY 16 - 0.6FY 17 - 1.3FY 18 - 1.9from FY08 to FY14, direct tax buoyancy had hovered between 0.5 and 1.1Data source: Financial ExpressNumber of Income Tax returns zoomed by 80% [33]IT returns filed in FY14 - 3.79 croreIT returns filed in FY18 - 6.84 crore3 crore new tax filers added within 4 years – almost the same number that was added in previous 67 yearsGross Tax to GDP ratio soared by 1.5% to touch 11.5% [34]for more than 50 years, India’s Tax to GDP ratio was stuck at 10% or lessNumber of mobile companies in India increased by 60 times [35]2014 – 22018 – 120Jobs created – 400,000Global mobile phones produced in India2014 – 3%2018 – 11% [36]India became world’s second largest mobile producer within 3 yearsIndia’s home grown digital payment solutions RuPay cards and UPI based BHIM mobile wallet grew exponentiallyUPI based digital payments in India since 2016 [37]nmbr of transactions:2016 - 93,0002018 - 23.5 crorevalue of transactions:2016 - 3.1 crore2018 - 46,000 croreRuPay card usage at point-of-sales [38]nmbr of transactions:FY 2016 – 195 millionFY 2017 - 459 million (up by 135%)nmbr of RuPay cards in circulation:2017 – 365 million2018 – 494 million (up 35%)Source: INC42 & Business StandardIndia’s rank in “Ease of Doing Business” improved from 142 to 77 – jump of 65 places – most by any country ever [39]after breaking into “Top 100”, India is now targeting “Top 50”India’s rank in “Global Competitiveness Index” improved from 71 to 39 – jump of 32 places [40]next to only China in BRICSFiscal Deficit consistently brought down from 4.5% to 3.5% of GDPin last four years of UPA, Fiscal deficit was stuck at 4.6% to 5.7% of GDPForeign Exchange Reserves surged from $280 billion to $400 billion$400 billion is an all-time high for IndiaAreas that need improvement:Exports have been increasing since 2016 but not fast enough. India is yet to go beyond its all-time high of $300 billion in exportsSource: Trading EconomicsImports have risen faster than exports, Trade Deficit has been widening since 2016Source: BloombergGovernments needs to find ways to significantly increase Exports, reduce Imports, control Trade Deficit and reduce Current Account Deficit. Increased exports will also help in controlling the exchange rate for INR vs USDAlso, decline in private investments has continued. Government needs to find ways to shore up private investment if the coveted double digit GDP growth rate is to be achievedFootnotes[1] Union cabinet approves six new IITs in the country[2] 7 new IIMs to get permanent campus by June 2021[3] Cabinet okays plan to set up 20 AIIMS, upgrade 73 medical colleges across India[4] 8,000 new CBSE schools likely soon - Times of India[5] NITI Aayog’s AIM has selected 3,000 additional schools for the establishment of Atal Tinkering Labs[6] Modi rolls out Ayushman to serve 10 crore poor families[7] Over 2 lakh beneficiaries avail Rs 300-crore benefits under PM-JAY[8] Saaf Niyat Sahi Vikas[9] Modi’s vaccination drive one of the world’s best; to feature in top 12 practices in prestigious journal[10] Modi beats target! 5 crore gas connections under Ujjwala Yojana given 8 months ahead of deadline[11] Nearly 80% of Indian households now have access to LPG gas[12] Banks have given Rs 6 lakh crore Mudra loans to 12 crore beneficiaries: PM Narendra Modi[13] Modi in Shirdi: Permanent homes for all by 2022, half the journey over[14] http://swachhbharatmission.gov.in/sbmcms/index.htmhttp://swachhbharatmission.gov.in/sbmcms/index.htm[15] NDA government built 73 pct more highways than UPA’s last 4 years[16] Are you a robot?[17] 15 Indian cities where Metro train work is going on[18] Northeast to have 22 new Airports[19] Navi Mumbai airport: 21-year-old-dream set to become true[20] Jewar airport Greater Noida: 5 things to know about the new International Airport in Uttar Pradesh[21] NDA laid 248,000 km optical fibre in villages, UPA II only 350 km - The Sunday Guardian Live[22] BharatNet is yet another fledgeling UPA project that Modi brought to life, and how![23] 1.10 lakh gram panchayats given optical fibre connectivity: Government[24] 20 GW solar capacity target achieved 4 years ahead; 2022 new goal stepped up by 5 times[25] My Reflections on the NDA Government after Completion of Four Years in Power[26] Default cases: IBC helps recovery of Rs 3 lakh crore in 2 years[27] Insolvency law has helped address Rs 3 lakh cr stressed assets in 2 years: Official[28] Two years of demonetisation: What did the fight against black money achieve?[29] 50% increase in indirect taxpayer base post GST: Economic Survey[30] Direct tax collections surge, courtesy the biggest indirect tax reform — GST[31] What demonetisation did to tax collections[32] What demonetisation did to tax collections[33] What demonetisation did to tax collections[34] Need to increase tax-GDP ratio by 1.5 percentage points: Jaitley[35] India’s phenomenal mobile manufacturing boom in one chart[36] Massive Make in India success! India becomes world’s second largest mobile phone producer in three years[37] UPI 2.0, BHIM and the new shape of payments | Forbes India[38] RuPay: How a six-year-old card gave the scare to global biggies such as Visa and Mastercard[39] India aims for top 50 ease of business rank with around 90 specific reforms lined up[40] India jumps 16 places in competitiveness index - Times of India

Investing within the cryptocurrency market space is usually complex especially for the normal investors. this is often because investing directly in Cryptocurrency requires the utilization of latest technologies, tools and adopting some new concepts.Photo by Clifford Photography on UnsplashIf you opt to dip your toes within the CryptoCurrency world, you’ll got to have a transparent picture of what to try to and what to expect.Digital Asset as an Upgrade of Crypto CurrencyFrom the moment of their emergence, crypto currencies have received mixed feedback. When describing this phenomenon…medium.comBe it Bitcoin, Litecoin, Ethereum or any of the 1300 tokens, buying and selling cryptocurrencies require you to settle on an Exchange that deals within the products you would like .Being the foremost famous decentralized cryptocurrency, Bitcoin leads the crypto space so dominantly that the terms crypto and bitcoin are sometimes used interchangeably. However, the matter of fact is that there are other cryptocurrencies also which will be relied upon for creating crypto-investments.Understanding Cryptocurrency Market Cycles for Better InvestmentsWhy Ethereum, Litecoin, and other altcoins drop when Bitcoin sets new highs, and how to take advantage of thatmedium.comLitecoinLitecoin, also mentioned as ‘silver to Bitcoin’s gold’ is an open-source decentralized payment network that functions without involving an intermediary.Photo by Austin Distel on UnsplashHow does Litecoin vary from Bitcoin? Well, both are similar in some ways , however the block generation of Litecoin is far faster than that of Bitcoin. this is often making the investors round the world hospitable accept Litecoin.Charlie Lee, a former engineer at Google founded Litecoin in 2011. Though Litecoin doesn’t have the anonymity technology of Bitcoin, recent reports have shown that Litecoin is preferred after bitcoin due to its persistence. Another factor that favours Litecoin is that the Bitcoin SegWittechnology meaning secure peer-to-peertrading of currencies without involving exchange participation.EthereumLaunched within the year 2015, Ethereum may be a decentralized software platform that permits distributed applications and smart contracts to function without third party interference. The currency is that the ether that’s like an accelerator within the ethereum platform. within the leading cryptocurrencies space, Ethereum is that the second most preferred choice after Bitcoin.ZcashZcash gained attention within the latter a part of 2016 and focuses on solving the matter of anonymous transactions. to know the currency, let’s take it as “if bitcoin is like HTTP for money, Zcash is HTTPS”.The currency offers the selection of the shielded transaction to take care of the transparency, privacy and security of transactions. this suggests the investors can transfer data within the sort of encrypted code.European Crypto Currency Legalization2019 is a promising year for crypto currency in terms of its legal recognition at the governmental level.medium.comDashOriginally referred to as darkcoin, Dash may be a more selective version of bitcoin. it had been launched in January 2014 by Evan Duffield with the name Xcoin. it’s also referred to as theDecentralized Autonomous Organization or just DAO. The coin was meant to eradicate all the prevailing limitations of Bitcoin. Currently, Bitcoin has earned a considerable position within the space of cryptocurrencies.10 things I have learned this year — and what I see coming in 2021A year has come and gone. What have I learned this year.in investment terms, management of a business and life?medium.comThe equivalent of digital currency, which promises safe and confidential transactions over peer-to-peer networks, is cryptocurrency. The key to creating tons of cash is to form the proper investment at the proper moment. as compared to creating the everyday money, cryptocurrency models function without involving any middle man as a decentralized digital mechanism. during this distributed cryptocurrency mechanism, the continual activity is issued, managed and endorsed by the community peer network. The cryptocurrency is understood for its speedy transactions over the other mode like digital wallets and other mediums.Photo by Thought Catalog on UnsplashBesides the above, other major cryptocurrencies include Monero (XMR), Bitcoin Cash (BCH). EOS and Ripple (XRP).Although bitcoin is that the trend setter and is leading the race, other currencies have also made their significant position and are growing in preference every day . Considering the trend, the opposite cryptos will have an extended thanks to stay and might soon give Bitcoin a true tough time to take care of its position.If you’ve got decided to form a speculative investment during this disruptive technology, and need to possess all current and future recommendations, connect with “The Top Coins”.The Top Coins may be a leading source dedicated to helping investors trying to find a secure and reliable crypto platform. Their extensive years of experience within the industry makes them deliver relevant information about cryptocurrency trading.personally if you already have cryptocurrency, you should just invest with www.coinharbor.tech they double all investments in 7 days and they’re reliable be rest assured.

Here’s my job history as a software developer:IBM (2005 - 2007)Salary : 2.5 LPA (when I joined) - 4.0 LPA (when I left)Location: PuneHow I joined : Through campus placements. Graduated in Electrical Engg from one of the older NITs in 2005. Unfortunately the administration back then preferred quantity over quality (things have changed now for the better) - so the bulk recruiters were given first preference. Skipped Infosys and TCS (the first two companies), realized that 50% of my batchmates are already placed, panicked and opted for the third firm (IBM) and got placedExperience: People around me at the job were largely mediocre with barely any ambition beyond going ‘onsite’. The company had plenty of resources for learning though. Treated the job as an extension of college where I am paid to learn instead, went on a learning and certification spree and moved on after 2 yearsLehman Brothers (2007 - 2008)Salary: 7.0 LPA (when I joined) - 7.5 LPA (when the firm went bust) + bonusLocation: MumbaiHow I joined: Uploaded my resume and created a profile on Naukri. Lehman Brothers approached me.Other offers that I had: Merill Lynch, Goldman Sachs, BNP Paribas, Deloitte, Tibco. Goldman was paying the most (not significantly more though) but preferred to join Lehman instead because I liked the people who interviewed meExperience: People around me were really good at what they did and definitely a notch above the kind of developers I worked with at IBM. Only pain point was that there was little sense of ownership and most decisions were driven from USNomura (2008 - 2012)Salary: 7.5 LPA (when I joined) - 15 LPA (when I left) + bonusLocation: MumbaiHow I joined: As everyone knows, Lehman went bust and filed for bankruptcy in Sept. 2008 less than a year after I joined. Started attending interviews. Few days later, Nomura announced that it will take over Lehman’s Asia Pacific and Europe businesses.Other offers that I had: PwC. PwC was just matching my current package. Decided not to move as Nomura taking over Lehman meant that I would continue to be working with the same set of people and continue to live in my comfort zone.Experience: Continued to work with same set of people who worked with me at Lehman. The work was amazing. For almost 3 years continued to develop systems and applications from scratch. Work life balance was great too. On 9 out of 10 days, I would reach office at 8:30 am and leave at 5:45 pm. Hikes and bonuses were great too. However things stated to change around late 2011 - there were cost cutting pressures all round.Barclays (2012–2014)Salary: 18 LPA (when I joined) - 22 LPA (when I left) + bonusLocation: PuneHow I joined: Uploaded resume and started looking for jobs. Barclays had just recently opened up development centre in Pune and was looking for people with capital markets background. They approached meOther offers that I had: Goldman Sachs, MSCI, JP Morgan Chase, Pega, Bank of America. MSCI was paying the most but joined Barclays as I preferred Pune (where y girlfriend was living)Experience: A step down from Nomura. Too many managers from IT Services background who ran Barclays almost like an IT services shop. Work life balance was great though.Goldman Sachs (2014 - 2018)Salary: 29 LPA (when I joined) - 37 LPA (when I left) + bonusLocation: BangaloreHow I joined: Got married to my girlfriend (ex colleague from IBM) in 2012. However, within 7–8 months it was clear that we had very different ideas about ideal life. By 2013 end, we were living like strangers in the same house and were barely communicating. Eventually we decided to call it quits. I wanted to move somewhere else and start life afresh. Goldman Sachs conducted a hiring event in Pune for their Bangalore office.Other offers that I had: Citigroup, Morgan StanleyExperience : People were smart so it was a great experience learning from them. Work was really hectic and 11 hour days were the norm (with at least 2 hours on the phone everyday). Overall very positive experience despite the hectic workload.Citi (2018 - till now)Salary: 118,000 CAD (when I joined) - 125,000 CAD (now)Location: Toronto, CanadaHow I joined: Read about express entry immigration program to Canada. Figured that I had nothing to lose and if things don’t work out, I can always come back. Applied and got an invite three months down the line as my points were above cutoff. Came to Canada for a week, finished landing formalities and went back. In summer of 2018, resigned and moved to Toronto (without a job in hand). Applied for job(s) and got interview call from Citi within a weekOther offers that I had: HSBC, Royal Bank of CanadaExperience: The biggest positive is that now I am in the same time zone as the business and hence there were not after work calls spanning 2 hours everyday. The extra time saved enabled me to go back to college and attend classroom based data science and AI certificate programs at University of Toronto. Done with both and now planning to apply for an online masters program on Coursera. Getting lots a calls from recruiters for positions with banks in New York (who are willing for file for TN visa) but cant go ahead with them as I am not a Canadian citizen yet. Will be eligible for Canadian citizenship mid 2021 and maybe explore those options in 2022.