30 November 2011

Seven Billion plus

We are 7 billion plus (as on Nov 2011) and counting i,e roughly 47 people per square kilometre of earth surface. No doubt it is way too much. But let us give some thoughts on the possible positive side of large population.

1. Innovation
Human mind is an amazing thing. No two of which is same. This quality of uniqueness has contributed immensely in advancement of science, technology and medicine. Increase in population has created new demands and to fulfill these technology has to be updated. 20th century has seen numerous inventions, that was also the time when population accelerated rapidly. The most important invention due to large numbers is computer and allied science. Many unsolved questions particularly in the field of medicine are solved now because previoulsy if one brain was thinking for the solution now ten brains are thinking to solve it.

2. Competition
Something extra, some extra quality is needed to reach few seconds before others in race. Competition is a great motivator. It makes human push the limit a bit further. Competition also removes monopoly and exploitation. Earlier consumers had little choice. They had to be satisfied with what one company sells. Now consumers have choice. The company is owned by the consumers now.

Thse two were the main advantage, other advantages can be derived from these two. True potential of large population can only be realised if freedom is excercised lawfully ,good education and  ample resources are available. The last point is important ,namely, resources. Too large population with very less natural resource is like building a computer with very high speed but very less memory. Before concluding the possible advantages of large population  lets have a look at India. It is the second most populous country in world (within few years it will be THE MOST populous country). India also happens to be a country with very high population density. But india's medal tally in Olympics (India hardly manages 2 or 3 medals per olympic games) or any event in international level shows that high population neither result in fruitful competition nor in innovation. European countries and Australia though having less population performs much much better in international sports and they also have many Nobel laureates from their country.

Though current generation's living condition has improved compared with their ancestors, there are still many many people on earth whose living conditions are inhuman. The correct way to say is that the gap between the standard of living of rich and poor has increased and it was increasing in the past also. One person's comfort should not be gained from another person's pain. Despite many technological and scientific breakthrough the well being of humans have not reached the level that should be reached. The reason is steep rise of population. Old problems are solved and new problems are created. Its high time countries realize that population growth should be regulated. Unless a person has good food and shelter, he/she would not be able to innovate and/or compete. Seven billion is enough of us. Lets try to stabilize it here itself. There are millions whose lives has to be improved. The well being of the well off also depend on the conditions of others else looting, rioting and civil unrest will result. First of all we must ensure dignified jobs for each and every person on earth so that basic amenities namely food, health benefits, accommodation and education are fulfilled. After that we can go for "Diamond Encrusted Blue-tooth Headset" .

Cause of population explosion (solution lies in the causes) :-

1. Agriculture
Before the advent of modern farm machines, agriculture was done manually. It was a labour intensive job. So a big family was good for the harvest. Now since machineries are available, requirement of people are less. But here also a balance has to be made. Machines need maintenance and consumes resource, so do humans. The choice has to be made as which one is less costly (not monetarily but environmentally).

2. Wild animals
Wild animals were more in numbers and powerfull than humans. So for hunting for food and self defence quite a handful of men were required.
Most of those wild animals are endengered now though. 

3. Religion
Most preacher of religion does not encourage birth control. Two possible reasons, a) Aborting a life is like murdering and 2)If a follower of a particular religion does not follow birth control practices and on the contrary produces many off-springs then it is actually good for the preacher as he would have many followers. Abortion though is highly condemnable unless some unavoidable circumstances demands the same. There were indeed birth control methods in ancient times. People seek the help of religion to make their life better, increasing only numbers does not make one religion better than others.

4. Democracy
Population was always increasing but in last 100 years it steeply increased. This was also the time when many nations abandoned authoritarian rule and accepted democratic government. Now democracy is all about numbers. A particular community would never want their numbers to be low compared to other. This race to gain majority is also responsible why governments turn a blind eye towards population control. A sensible person will never give his/her vote based on caste, creed, colour or sex.

5. Old age
Who will take care of us when we grow old? Our children perhaps. What if my only child does not take care of me? Why not have 2 or better three children. Atleast of them will definitely take care of us? It is a moral responsibility for the children to take care of their elderly parents. Government sponsored old age home is a possible solution. The old age home either can run on tax money of the current working population or on the pension money of the retired person.

6. War
20th century saw two world wars among many other wars. War also like democracy is about numbers. Though strategy and weapon types play a significant role is deciding a winner in a battle, a country with large number of soldiers (even with poor planning and weapons) has high psychological  boost.

7. The girl child
Many societies due to skewed social norms think a girl to be a burden just because historically woman take care of the house and does not earn. In India there is a tradition of dowry in may society in which the girl's father has to give wealth to the bridegroom's family. These has encouraged parents to conceive for 2nd or 3rd time unless a boy is born. These has also encouraged parents to go for female infanticide. Equality of men and women in all respects will solve this issue.

8. Industry
Almost all banking, finance and insurance companies' business model is solely based on the fact that population is ever increasing. In fact all corporation works on the underlying principle that that population is increasing. The more in increases the better the profit margin. More humans means cost of labour is less.

Further population is simply unsustainable. We have to mine moon or some other planets for resources. If life is possible then definitely people are going to live there also. Until that happen let us have small family.  

10 November 2011

Gold + Credit Card = $

 Credit cards have both pros and cons which can be easily known by a simple search in the internet. For instance a credit card holder buys an 'item' or service worth $200 on 1st jan by swiping the card. The holder is not actually paying the money on 1st jan, he/she will pay the money later depending on the billing cycle and credit period of the credit card company. Usually the credit card company gives interest free credit to their customer for specific duration of time. If the card holder does not pay the amount within a stipulated period of time to the credit card(CC) company, the CC company charges a fixed percentage of the defaulted money on top of the defaulted money. This is how a CC company earns money apart from other sources of revenue. Lets assume that the time to actually pay for the good/service is 31st jan i.e one month duration.

  Keeping the above details in mind we focus on the 'item' which is bought. As already guessed the one item whose value is increasing irrespective of whether it was bought 1yr back or 100yr back, irrespective of whether it was used by 1 person or 100 person is GOLD. So using a credit card buy gold worth $200 on 1st jan, equivalent to 5gm of gold. After 30 days the price of gold increases and 5gm gold on 31st jan costs $210. 31st jan also happens to be the day when the card holder has to pay $200 for the purchase on 1st jan. So on 31st Jan that person sells the 5gm gold at $210. With this $210 the card holder uses $200 to pay the CC company and $10 is the profit the card holder makes. This method is effective even if the card holder has $0 in bank account.

  This was the basic idea. Keep in mind credit card policy varies, so read the policy rules thoroughly. Also before buying, the selling procedure has to be perfected. Not many shops buy back gold from customers. Before buying make sure you can sell it as well at a later date. The whole idea is based on monotonical increase of gold price. Its the faith of the people in gold which is driving the price up (just like the faith on currency notes). Its a bubble in the making. Price of gold may fall. Till then this idea works fine. If more and more people trust in Gold more than their country's currency then we will return to historic barter system. Personally, Gold or credit does not excite me.