Friday, 3 August 2018

Golden Triangle of Finance !! An Idea !!

We all appreciate the hard work put in by Prime Minister Narendra Modi. I am blessed to be followed by him.and appreciate he acknowledges my advice always 

I always try and speak with people on ground and judge the mood. Also as a Finance professional I can understand the brilliant economic steps well balanced by control of fiscal deficit.

I understand that in current budget Mr Arun Jaitley had to walk on tight rope of deficit and tax exemptions.Now the high crude prices and MSP is also another worry and may work against government goal of fiscal prudence 

Although GST collections on monthly basis is around 96000 crores, government shall need around 1.03 lac crores in next 8 months to keep fiscal deficit under check 

The collections may experience some setback with revision in rates.  It is not easy to change the mindset of many who spend on luxury items from dealers and do not go for invoice to save GST. 

I understand that the government is doing needful checks and bringing guilty to books, however it is difficult to check every shop and buyer 

It is also being proposed to give GST a boost by refunding the tax on digital payments. However the same is limited to Rs 100. For those who are splurging on luxury items will not bother for Rs 100 refund 

A small suggestion with which we can reap  triple benefits of huge revenue to government,Relief to middle class coupled with huge boost to consumption. I shall call it Golden Triangle of Finance.

" Splurge in luxury of branded clothes, watches, mobiles, laptop, travelling................... AND get Tax Relief of Rs 1 lac from income tax "

The caveat : Has to be for end user, digital payment and not for those claiming GST input credit.

This will change the entire mood of nation with huge boost to economy as well as GST revenues

Check rough calculations for the same 

The above proposal can be adjusted as per various financial brains in MOF. This is just an out of box suggestion after the ground feedback

Let us all work together to make India Golden Bird again 

Saturday, 10 February 2018

Marriage a relationship of freedom

Last evening as I finished my workout saw a message on my mobile “ Please don’t message anything as I am on leave and my wife might see them”

The message was from one of my investors whom I send all Market updates or sometimes light jokes. He is one of the many in my group of investors. Surprised by the message I called him and asked what was it all about ? He replied” Look my wife doesn’t like any sort of messages from any woman and I want peace in life”.

Going by his reply I removed him from the group and started driving back home. Many thoughts started to cross my mind. “ Is he a caged parrot? Why is his wife so insecure? Does marriage means you lose your own identity? You only are a husband or a wife ?”

Later at night going into my past I realised “ oh even I was same. How my hubby would have coped up with me all those years?” Yes years back I would want the details of all he did throughout the day. Whom did he meet? Where did he go? Checking his mobile always for if he is texting some woman

Not realising that in this entire process I was killing my identity too. My life was always revolving around his activities. Unnecessary suspicions and in process killing my own confidence. My life had become hell with imaginary thoughts and I was passing on same vibrations to him. Was to an extent that if he compliments a woman, unknowingly I shall start hating her

But then God was kind to me. I met a very beautiful soul. She over a period of months changed my entire thinking. She said “ Marriage is all about standing with each other at time of happiness or crises. It isn’t about to own a person or remote control your partner”

Isn’t that true? Why we woman want entire freedom for ourselves but keep a tab on our spouse for every breath he takes?  If some man will compliment me I will feel he is a Gentleman but if my hubby will do the same he is a flirt

I am a 360 degree change person now. No more frantic calling to check on him. He goes out on his own adventure trips with his gang. No mobile checking. ...... absolutely nothing. But this change should come from inside. Not that I do all this but emotionally breaking inside. It is difficult to do it but when one goes through the process and comes out free soul life becomes very beautiful

The problem somewhere lies in society. We are told possessiveness goes hand in hand with love. If you marry someone then you only belong to that person. We so easily fall in the trap of controlling the other person in name of care & love

Love & Marriage isn’t about keeping the partner in a locker. It is all about understanding each other’s emotions. It is impossible for any human to not to love or think of another person throughout his or her married life. And what is wrong in that? There can be temporary attractions. The same can culminate into short term affair. But trust me as long as Marriage is Happy and strong these events pass away

There are chemical reactions which might lead a person to get attracted to someone else. But the faster they happen, even more faster they die down.

I had two choices. One to be a typical wife nagging and checking on my hubby. Other to just let him enjoy his life. Trust me Second one was game changer for our relationship. As we both started to enjoy  with our own group of friends we came more close to each other. Yes there would be periods when he or me might end up in a short flick with someone else. But how does that matter Coz our relationship has become too strong to be broken. We are best friends to each other

Now you might feel “ what if your spouse finds someone else, with freedom he enjoys and walk our?” My simple answer is can you stop anyone, even if you keep thousands control. If he really loves you he won’t irrespevtive of any attractions. I have seen partners walking out of marriage in most controlled relationships too.

Let your partner enjoy life. In me & my hubby language “ शादी तो की है कोई फाँसी थोड़ी लगाई है”
Love is all about enjoying your partner happiness. But that doesn’t mean that the happiness should only be from you. It can be anyone. Enjoy his freedom. Enjoy his happiness. Let him live his life so that you can live yours too. And then experience the true life of togetherness

I know many will not agree with my views and might call me ..... any names. But this is my experience and I just wanted to share
Do give it a thought.

On a lighter note , Make your wife read it 

Thursday, 21 September 2017

Why Mr Narendra Modi our life line. Forget economics

 Blog courtesy Geert Wilders

This blog specially dedicated to leaders like Mamta Banerjee and Human Rights fake organisations

You must be having lot of complaints against Mr Narendra Modi( Although long term you will realise how good these changes are) you cannot deny what will happen to India if we have Rahul or Arvind Kejriwal in majority. We will be another Islamic state

WHAT IS TRUE FOR EUROPE IS VERY MUCH SO FOR INDIA, and the other way around too, as EU was made to be like the INDian Union, and they are 2 generations behind us but interestingly they are on par with us their current experiences of what home grown & imported ‘’Semitic – monotheistic – fundamentalist – absolutist – ideology -monochrome – dogmatic – religious & religions’’ do over a period.

In a generation or two, the US will ask itself: "Who lost Europe?" Here is the speech of Geert Wilders, Chairman, Party for Freedom the Netherlands, at the Four Seasons in New York, introducing an Alliance of Patriots and announcing the Facing Jihad Conference in Jerusalem ..

You have seen the landmarks. But in these cities, sometimes a few blocks away from your tourist destination, there is another world. It is the world of the parallel society created by Muslim mass-migration.

All throughout Europe a new reality is rising: entire Muslim neighbourhoods where very few indigenous people reside or are even seen. And if they are, they might regret it. This goes for the police as well. It is the world of head scarves, where women walk around in figureless tents, with baby strollers and a group of children. Their husbands, or slaveholders if you prefer, walk three steps ahead. With mosques on many street corners. The shops have signs you and I cannot read. You will be hard-pressed to find any economic activity. These are Muslim ghettos controlled by religious

Dear friends,
Thank you very much for inviting me.

I come to America with a mission. All is not well in the old world. There is a tremendous danger looming, and it is very difficult to be optimistic. We might be in the final stages of the Islamization of Europe. This not only is a clear and present danger to the future of Europe itself, it is a threat to America and the sheer survival of the West. The United States as the last bastion of Western civilization, facing an Islamic Europe.

First, I will describe the situation on the ground in Europe. Then, I will say a few things about Islam. To close I will tell you about a meeting in Jerusalem.

The Europe you know is changing.

You have seen the landmarks. But in these cities, sometimes a few blocks away from your tourist destination, there is another world. It is the world of the parallel society created by Muslim mass-migration.

All throughout Europe a new reality is rising: entire Muslim neighbourhoods where very few indigenous people reside or are even seen. And if they are, they might regret it. This goes for the police as well. It is the world of head scarves, where women walk around in figureless tents, with baby strollers and a group of children. Their husbands, or slaveholders if you prefer, walk three steps ahead. With mosques on many street corners. The shops have signs you and I cannot read. You will be hard-pressed to find any economic activity. These are Muslim ghettos controlled by religious fanatics. These are Muslim neighbourhoods, and they are mushrooming in every city across Europe. These are the building-blocks for territorial control of increasingly larger portions of Europe, street by street, neighbourhood by neighbourhood, city by city.

There are now thousands of mosques throughout Europe. With larger congregations than there are in churches. And in every European city there are plans to build super-mosques that will dwarf every church in the region. The signal is: we rule.

Many European cities are already one-quarter Muslim: just take Amsterdam, Marseille, and Malmo in Sweden. In many cities, the majority of the under-18 population is Muslim. A ring of Muslim neighbourhoods now surrounds Paris. Mohammed is the most popular name among boys in many cities.

In some elementary schools in Amsterdam the farm can no longer be mentioned, because that would also mean mentioning the pig, and that would be an insult to Muslims.

Many state schools in Belgium and Denmark only serve halal food to all pupils. In once-tolerant Amsterdam gays are beaten up exclusively by Muslims. Non-Muslim women routinely hear 'whore, whore'. Satellite dishes are not pointed to local TV stations, but to stations in the country of origin.

In France school teachers are advised to avoid authors deemed offensive to Muslims, including Voltaire and Diderot; the same is increasingly true of Darwin The history of the Holocaust can no longer be taught because of Muslim sensitivity.

In England sharia courts are now officially part of the British legal system. Many neighbourhoods in France are no-go areas for women without head scarves. Last week a man almost died after being beaten up by Muslims in Brussels, because he was drinking during the Ramadan.

Jews are fleeing France in record numbers, on the run for the worst wave of anti-Semitism since World War II. French is now commonly spoken on the streets of Tel Aviv and Netanya, Israel ... I could go on forever with stories like this. Stories about Islamization.

A total of fifty-four million Muslims now lives. San Diego University recently calculated that a staggering 25 percent of the population in Europe will be Muslim just12 years from now. Bernhard Lewis has predicted a Muslim majority by the end of this century.

Now these are just numbers. And the numbers would not be threatening if the Muslim-immigrants had an ardent desire to assimilate. But there are few signs of that. The Pew Research Center reported that half of French Muslims see their loyalty to Islam as greater than their loyalty to France ... One-third of French Muslims do not object to suicide attacks. The British Centre for Social Cohesion reported that one-third of British Muslim students are in favour of a worldwide caliphate. Muslims demand what they call 'respect'. And this is how we give them respect. We have Muslim official state holidays.

The Christian-Democratic attorney general is willing to accept sharia in the Netherlands if there is a Muslim majority. We have cabinet members with passports from Morocco and Turkey ...

Muslim demands are supported by unlawful behaviour, ranging from petty crimes and random violence, for example against ambulance workers and bus drivers, to small-scale riots. Paris has seen its uprising in the low-income suburbs, the banlieues. I call the perpetrators 'settlers'. Because that is what they are. They do not come to integrate into our societies; they come to integrate our society into their Dar-al-Islam. Therefore, they are settlers.

Much of this street violence I mentioned is directed exclusively against non-Muslims, forcing many native people to leave their neighbourhoods, their cities, their countries. Moreover, Muslims are now a swing vote not to be ignored.

The second thing you need to know is the importance of Mohammed the prophet. His behaviour is an example to all Muslims and cannot be criticized. Now, if Mohammed had been a man of peace, let us say like MK Ghandi and Mother Theresa wrapped in one, there would be no problem. But Mohammed was a warlord, a mass murderer, a paedophile, and had several marriages - at the same time. Islamic tradition tells us how he fought in battles, how he had his enemies murdered and even had prisoners of war executed. Mohammed himself slaughtered the Jewish tribe of Banu Qurayza. If it is good for Islam, it is good. If it is bad for Islam, it is bad.

Let no one fool you about Islam being a religion. Sure, it has a god, and a here-after, and 72 virgins. But in its essence Islam is a political ideology. It is a system that lays down detailed rules for society and the life of every person. Islam wants to dictate every aspect of life. Islam means 'submission'. Islam is not compatible with freedom and democracy, because what it strives for is sharia. If you want to compare Islam to anything, compare it to communism or national-socialism, these are all totalitarian ideologies.

Now you know why the British Intelligentsia called Islam 'the most retrograde force in the world', and why he compared Mein Kampf to the Quran. The public has wholeheartedly accepted the Palestinian narrative, and sees Israel as the aggressor. I have lived in this country and visited it dozens of times. I support Israel. 

First, because it is the Jewish homeland after two thousand years of exile up to and including Auschwitz; second because it is a democracy, and third because Israel is our first line of defense.

This tiny country is situated on the fault line of jihad, frustrating Islam's territorial advance. Israel is facing the front lines of jihad, like Kashmir, Kosovo, the Philippines, Southern Thailand, Darfur in Sudan, Lebanon, and Aceh in Indonesia .. Israel is simply in the way. The same way West-Berlin was during the Cold War.

The war against Israel is not a war against Israel. It is a war against the West. It is jihad. Israel is simply receiving the blows that are meant for all of us. If there would have been no Israel, Islamic imperialism would have found other venues to release its energy and its desire for conquest. Thanks to Israeli parents who send their children to the army and lay awake at night, parents in Europe and America can sleep well and dream, unaware of the dangers looming.

Many in Europe argue in favour of abandoning Israel in order to address the grievances of our Muslim minorities. But if Israel were, God forbid, to go down, it would not bring any solace to the West It would not mean our Muslim minorities would suddenly change their behaviour, and accept our values. 

On the contrary, the end of Israel would give enormous encouragement to the forces of Islam. They would, and rightly so, see the demise of Israel as proof that the West is weak, and doomed. The end of Israel would not mean the end of our problems with Islam, but only the beginning. It would mean the start of the ultimate battle for world domination.

 If they can get Israel, they can get everything. So-called journalists volunteer to label all critics of Islamization as a 'right-wing extremists' or 'racists'. In my country, the Netherlands, 60 percent of the population now sees the mass immigration of Muslims as the number one policy mistake since World War II. And another 60 percent sees Islam as the biggest threat. 

Yet there is a greater danger than terrorist attacks, the scenario of America as the last man standing. The lights may go out in Europe faster than you can imagine. An Islamic Europe means a Europe without freedom and democracy, an economic wasteland, an intellectual nightmare, and a loss of military might for America - as its allies will turn into enemies, enemies with atomic bombs. With an Islamic Europe, it would be up to America alone to preserve the heritage of Rome, Athens, and Jerusalem ....

Dear friends, liberty is the most precious of gifts. My generation never had to fight for this freedom, it was offered to us on a silver platter, by people who fought for it with their lives. 

All throughout Europe, American cemeteries remind us of the young boys who never made it home, and whose memory we cherish. My generation does not own this freedom; we are merely its custodians. We can only hand over this hard-won liberty to Europe 's children in the same state in which it was offered to us.

 We cannot strike a deal with mullahs and imams. Future generations would never forgive us. We cannot squander our liberties. We simply do not have the right to do so.

We have to take the necessary action now to stop this Islamic/Semitic stupidity from destroying the free world that we know.

Saturday, 2 September 2017

India the golden sparrow again

THE STORY OF THE SPARROW by Raymond Federman

On a beautiful winter day in Siberia, encouraged by the warm rays of the sun in a clear blue sky, a little sparrow left the security of his nest to fly and frolic in the air, but the 40 below zero temperature quickly overcame the imprudent bird who fell to the ground, frozen, and found himself buried in the snow where he would certainly have died in an instant. But by chance a cow trotted by at that moment, and at the very spot where the sparrow was struggling for his last breath, she dropped a large soft cow-dung on top of the bird. The warmth of this dung-bath resuscitated the moribund sparrow. He was so happy, he raised his head out of the cow-shit and started to twitter joyfully, which drew the attention of a wandering homeless cat who delicately pulled the sparrow out of the shit and devoured him.
The moral of this story: 

Your enemy is not necessarily the one who shits on your head.

 Your friend, however, is not necessarily the one who pulls you out of the shit

 And besides, one should never twitter when one is buried in shit.

You will feel why I writing this story? This is blog of demonetisation / reforms and not some motivation session. 

For better understanding replace the following in the above story

sparrow with the general public , the so called aam aadmi, basically people like us

40 below zero degrees temprature with black money,corruption and inflation.

 cow dung with demonetisation, GST, linking of aadhar card with Pan No.

 twittering of sparrow with the whining by all who got shortchanged and caught with their pants down due to demonetisation.

 the homeless cat with the opposition parties and self styled economist who only worried about themselves for political mileage

if you still have problems in understanding the meaning of this story in my blog then obviously this blog is not for you

Decide now  " we want to be a  sparrow saved but ultimately becoming food for the cat or a sparrow flying even higher

Now let us talk Demonetisation 

Post 8th November 2016 India saw birth of many self styled Economist. They had every possible criticism of demonetisation. Across all political parties and Award Wapsi Gang and Libtards reacted as if it is end of country. They tried every possible gimmick to turn common man on street to build narrative against PM but failed miserably 

Lately RBI came out with report that 99% of notes back in system. As if these critics ere waiting for this opportunity they started their best past time" propaganda against Mr Modi and RBI

 Critics of demonetisation make two major arguments against it. One, that it was expensive, ill-timed, unnecessary. Second, that it did not root out black money and the move has failed since all the money has come back. There is one major counter argument to this. 

First let us check these verified figures by PIB 

Quantum jump in Enforcement actions based on Demonetisation data:
·         158% increase in number of searches (from 447 to 1152 groups)
·         106% increase in seizures (from Rs. 712 crore to Rs.1469 crore)
·         38% increase in admission of undisclosed income (from Rs.11,226 crore to Rs. 1,54,96 crore)
·         183% increase in surveys (from 4422 to 12520)
·         44% increase in undisclosed income detected (from Rs. 9654 crore to Rs. 13920 crore)

18 lakh suspect cases were identified through use of data analytics where cash transactions did not appear to be in line with the tax profile of depositors.
 The exercise has also unearthed large number of persons and clusters having suspect transactions.

14,000 properties of more than Rs.1 crore each where persons have not even filed Income Tax Returns.  The investigations are in progress.

The number of e-returns of Individual taxpayers filed till 5th August, 2017  increased to 2.79 crore from 2.22 crore returns filed during the corresponding period of last year, 

This is registering an increase of about 57 lakh returns (25.3%). 

  The total number of all returns (electronic + paper) filed during the entire Financial Year 2016-17 was 5.43 crore which is 17.3% more than the returns filed during FY 2015-16.

Collection of Advance Tax under Personal Income Tax (i.e. other than Corporate Tax) as on 05.08.2017 showed a growth of about 41.79% over the corresponding period in F.Y

 Collection of Self-Assessment Tax under Personal Income Tax showed a growth of 34.25% over the corresponding period in F.Y. 2016-2017.

Fifty-six lakh new individual tax payers, a 34 per cent jump in self-assessment tax by individuals give some hope on tax compliance.

 Inflows into mutual funds of Rs 1.7 lakh crore between November and June this year compared with Rs 9,160 crore is a glimpse on financialisation. 

The 350 crore transactions in debit and credit cards valued at Rs 6.6 lakh crore last fiscal was higher than the Rs 4 lakh crore a year ago is a sign of what's happening on digitisation. 

These are figures you must have read.but surprisingly no one discussing

Anil Bokil of Pune-based Artha Kranti Pratisthan, an early votary of demonetisation, has defended the benefits of the move. Bokil told that there was a huge ‘cash bubble’ and if demonetisaiton had not happened, India would have been hit like the 2008 subprime crisis in US. 

 Now let  us understand what has demonetisation done to money hoarders

Night of November 8th proved that Mr Modi under estimated the brains of Indians so well fed by corruption. This is gift of Congress to India. Exchange of notes at rate as high as 40%, gold selling at 75k per 10 gms and real estate deals.

Yes due to few corrupt bank officers demonetisation took a jolt. The black money just changed hands. 

Now let us see what happened then. HNI and others sitting on exchanged notes had a sigh of relief. 

" OK we lost 40% of our wealth but we still have 60% intact new notes"

Now the situation is they are having sleepless nights. why?

They cannot use this currency to buy any luxury item as the report goes to government

They cannot afford to take international travel. Every travel is being monitored on amount paid on tickets and currency exchange

Real estate is in bad state. And RERA and NITI AAYOG decision to reduce stamp duty further dim their chance of investing in real estate

Gold norms in place. Poor guys who bought gold at such high price are already 50% down and that is also like nothing. The moment they go out to sell they being monitored

All transactions of converting black to white are under scanner. May it be through purchase of shares or routing through shell companies. Already 3 lac shell companies under scanner

To cut it short the money with them is only for shopping in a mall. Interestingly there also government gains as GST which cannot be claimed back by them as it is unaccounted money. That is huge if you see in long term

I know it is foolish to underestimate corruption in India  There would still be crooks who find ways to evade tax and generate black money. There is a huge army of people who thrive on advising people how to escape tax - consultants and auditors. India has a penal code, but that hasn't stopped rapes and killings. So, will it be with financial laws. 

But do not make mistake of underestimating Mr Narendra Modi. He has resolved to catch hold of black money and he will do so.

I still remember my meeting a banker from London who said

" UK needs demonetisation . Wish we had leader like Mr Modi'

And we have likes of Mr P Chidambaram whose government is world famous for corruption but still has guts to point finger at Mr Modi. I dare him. " EVEN IF 99% MONEY RETURNED TO SYSTEM THAT ITSELF WILL MAKE ECONOMY MOVE. AT LEAST THE MONEY IS NOT IN LOCKERS'

Demonetisation and GST are game changers for our economy which was on ventilator in 2014 when Mr Modi took oath as PM.

Just have patience and you will soon realise the upsurge in GDP and tax base in coming quarters

Friday, 4 August 2017

Airbnb can be a boon for real talent

Roughly a decade ago two new “platform” companies burst out of California. The one that dominated the headlines was called Uber, which created a platform where with one touch of your phone you could summon a cab, direct the driver, pay the driver and rate the driver. It grew like a weed — as all kinds of people became taxi drivers in their spare time. But Uber made clear that its ultimate goal was self-driving cars.

The other was called Airbnb. It created a trust platform so efficient that people all over the world were ready to use it to rent out their spare bedrooms to total strangers. Airbnb is growing so fast that it’s now adding the equivalent of one entire Hilton hotel chain’s worth of rooms for rent each year.

But while Uber aspires to self-driving cars, Airbnb has a different goal: enabling what I call self-driving people.

And that’s why I won’t be surprised if in five years Airbnb is not only still the world’s biggest home rental service, but also one of the world’s biggest jobs platforms. You read that right. Very quietly Airbnb has been expanding its trust platform beyond enabling people to rent their spare rooms to allowing them to translate their passions into professions, and thereby empower more self-driving people.

Don’t worry: I don’t own stock in Airbnb. (Wish I could.) But I’ve been following it nearly from its inception through conversations with one of its founders, C.E.O. Brian Chesky, and I highlight the latest step in its evolution because I think it provides part of the answer to one of the most vexing societal questions we face today: Will machines and robots take all our jobs?

Answer: Only if we let them — and Airbnb is creating a platform to not let them. It all started with people who were renting rooms saying to their customers: “Hey, hope you enjoy the room. By the way, I’m also a great cook; would you like me to prepare a dinner party for you?” Or, “I’m an amateur historian; would you like me to give you a tour of the city?” Now this trend has just taken off.

“We created a garden and planted one plant — and that was home-sharing,” explained Chesky over breakfast in San Francisco. “And now we’re seeing what other things can grow in this garden.”

To see what’s growing, go to Airbnb’s site and click not on “homes” but on “experiences.” You’ll find an endless smorgasbord of people turning their passion into profit and their inner artisan into second careers.

Take for instance the team of Luca & Lorenzo. They explain in endearing broken English: “We are 100 percent Italian food lovers; we were used to cook with our grandmothers since we were child. We continued to have this passion through the years, so it makes sense founded our company Lovexfood.”

For $152 a person, they will take seven people visiting Florence, Italy, on a trip to “make pasta from scratch in the woods outside the city” in an “old house … surrounded by a garden with aromatic plants. We are between the hills where is produced the famous Chianti wine.”

In Dublin, for $85 a person, John will introduce you to low-light photography and then take you on an evening tour of some of the city’s most interestingly lit locations, ending in his studio, where he’ll “help you to edit and retouch your photographs, taking them to the next level for social media and print.”

In London, for $84 a person, you can learn in three hours how to “make a one-of-a-kind hat with a professional millinery designer,” Sarah, using “an array of feathers, flowers, lace and tulle.” A “traditional English breakfast complete with finger sandwiches and an assortment of cakes” is included.

For $35 a person, Lee Marvin will take five people in Havana on a tour of three-on-three neighborhood basketball games. “Christina” posted a message on his site on July 18, saying: “I signed my teenage son up for this & it was one of the best activities of the trip. It was supposed to end at 8 p.m. or so. Well, my son felt so welcomed that he & Lee Marvin’s gang hung out for several hours after they played basketball. They learned about each other’s lives, told jokes, talked sports and really bonded. Talk about a great emersion into the Cuban culture.” Also, not a bad way for a Cuban to earn $175 a night, minus Airbnb’s commission.

For $99 a person and five hours in Los Angeles, Antonio will teach your group how to “make a custom piñata with an esteemed pâper-maché artist” in the piñata district. Tools, “tamales and pan dulce” from Antonio’s favorite places are all included.

And for $37 each, Naky will take your group on a four-hour tour of Lisbon to “see the city through the eyes of an African immigrant.” You’ll explore “the African continent’s influence on the city and visit areas where African immigrants live, work, and play.” Naky is originally from Togo and has “a passion for history.”

No wonder Airbnb’s “experiences” site has grown tenfold this year.

Tourists visiting a foreign country try to understand the culture by going to a museum and viewing “art by dead people,” noted Chesky. “Why not learn how to make art yourself, taught by a living artist in that culture and immerse yourself in the artist’s world? These are experiences you can bring back with you!”

Chesky believes that the potential for Airbnb experiences could be bigger than home-sharing. I agree.

“The biggest asset in people’s lives is not their home, but their time and potential — and we can unlock that,” he explained. “We have these homes that are not used, and we have these talents that are not used. Instead of asking what new infrastructure we need to build, why don’t we look at what passions we can unlock? We can unlock so much economic activity, and this will unlock millions of entrepreneurs.”

When he retires, said Chesky, age 35, “I’d like to say that Airbnb created 100 million new entrepreneurs in the world.” I wouldn’t bet against him. Because the world is full of artisans and people with passions waiting to be unlocked.

In America, though, there is a surplus of fear and a poverty of imagination in the national jobs discussion today — because “all we are focusing on are the things that are going away,” said Chesky. “We need to focus on what’s coming. Do we really think we’re living in the first era in history where nothing will ever again be created by humans for humans, only by machines? Of course not. It’s that we’re not talking about all of these human stories.”

Indeed, the beauty of this era is that you don’t need to wait for Ford to come to your town with a 25,000-person auto factory. Anyway, that factory is now 2,500 robots and 1,000 people. The future belongs to communities that learn to leverage their unique attributes, artisans and human talent.

There is no Eiffel Tower in Louisville, Ky., but there are amazing bourbon distilleries popping up all over, creating myriad tourist opportunities; there are no pyramids in Detroit, but there is a bountiful history of Motown music and all kinds of artists now creating boutique concerts and tours for visitors to experience it.

Is this the only answer for the American middle-class jobs challenge? Of course not. There is no one answer. That’s the point.

We have to do 50 things right to recreate that broad middle class of the ’50s and ’60s, and platforms like Airbnb’s are just one of them. (Having universal health care to create a safety net under all of these budding entrepreneurs would be another.) But you have to be inspired by how many people are now finding joy and income by mining their passions.

“A tourist is someone who does things that locals who live there never do,” said Chesky. Airbnb’s experiences platform is now enabling visitors to live like locals — even though they’re guests and, in the process, enrich the local community and create new employment. Any town can play.

So much of what companies did in the past, concluded Chesky, “was unlocking natural resources to build the stuff we wanted.” Today’s new platforms are unlocking human potential to “be the people we wanted.”

Now if we start this in a big way in India imagine how we can convert skills of our youth and rural India to money making.

Image result for indian states  art speciality

Imagine teaching Kite flying in Gujarat for $10 per person

Exposure to Ayurveda healing in Kerala

Visit to Cobras in Tamil Nadu with a group and photographs

Bollywood acting classes in film city for any amount you demand

Karnataka cuisine  courses for delicious take home appetite

To learn indigenous art form that developed in Bengal came to be known as Bengal Pat. 

I can go on and on.....................................

Have no words for the opportunity  waiting to explode  

Hope it happens. Let people follow their passion and make money. A dream life 

 portion of Blog 

Thomas L. Friedman, The New York Times