Controlling exhorbitant prices of hospital procedures and doctor's fees

First, we need to develop a medical webservice that manages the hospital and doctor's appointments, rate the performance of them by the patients. The rating parameter will be mainly on recovery ( 2.5 points ), cost control ( 1.5 points ) and patient experience ( 1.0 points ) on a total scale of 5 points. The web service will take all the cost structure a patient gets without revealing patient's identity. Only patients and attendants of the patient can rate the treatment.

The process of putting a cap on the price a hospital or a doctor bills will be given below.

Step 1. Find all the hospitals which is rated top A% and above and take their minimum rating, which will be the standard to calculate further proceeding.

Step 2. Among those hospitals, find hospitals offering your area of treatment.

Step 3. Among those hospitals, find all the hospitals which has least pricing, covering 10% of patients in the hospitals rated R and above, catering your area of treatment.Take their average pricing.

Step 4. No hospital in that state charges L times that of that average least price, with proper explanations for exceptions to claim  L+ times. Only successful medical treatment can charge L or L+ times. Failures will be L- times.

This 1.5 point for least per patient will be based on who charges least and as long as other hospitals don't deviate from the least charged hospitals, they may get fair scores too.

Webservice will take into account these ratings for evaluating doctors for a minimum of P year period, no matter if they change hospitals or not. We will track them in every hospital.

Doctors working in that average least price hospitals, ( rating 4.5 and above, remember this rating includes not only the price, but also good results ) will be taxed less or no tax, during the period they serve in those hospitals. And may also given preferential treatments for higher studies in Medical universities. Because they are the best and ethical doctors, universities can provide.

We can divert all the Medical Aid renumerations spent by the government solely to top Medical Universities, going to deserving talented Medical Students. And to higher education fees for highest rated doctors.

High positions in American Medical Association will be held by 4.5 and above rated doctors.

As high the score of doctors in a hospital, more treatments with high criticality will be given to them.

Hospitals can give high salaries to doctors with high scores but not based on per patient expense. It will be like hospitals paying more to bring the cost of patients fees. This is capitalism at its best.

Controlling exhorbitant price of drugs in America

I am suggesting a method to control the exhorbitant prices of drugs and medical equipments in America. The idea is setting a maximum price on the drugs and medical equipments based on certain parameters and two pricing periods.

1st period : Recovery period

In this period, the drug companies and medical equipments manufacturers can set any price, till they recover two times the R&D they spent on finding drugs and medical equipments.

2nd period : Patent period

In this period, the price of the drugs and medical equipments should be based on four parameters.

1. Total money the company spends on all R&D, the more money you spend on R&D, the more points you gain, not withstanding breakthroughs you made or not.

2. The number of breakthroughs, the company has gained by spending on R&D, the more drugs you find, more the points.

3. The price the company spent on R&D on that particular drug or Medical equipment. More money spent, more points

4. The amount that is required to produce the drug. More amount to produce, more points.

Based on these parameters, we can set the maximum price, a company can sell their drugs and medical equipments. Government won't interfere in the number of pills you sell. It's just the points that will determine the maximum price of a single pill or a medical equipment.

Educational Reforms

1. Universities should form a collaboration with or complete take over by industries. There can be two types of Education centres. Research centres and Industry run universities. Research centres will give diploma and employ the students, by paying them salaries. Industry run universities may charge fees from students.

2. Big organisations like NASA can start a NASA lab and nurture school students and find their talents, which is the best way of evaluation. NASA should start a university, typically catering to the areas of their interest. Evaluated students from NASA lab will be given admission to these universities.

3. Universities can encourage entrepreneurship by having Venture Capitalists meet and getting 5% stake in the start-ups without investing. Research centres will not have this kind of meets.

4. Industry run universities should encourage full - scholarships for students, based on their talents, which will be profitable to these industries, no matter they start a new venture or not.

Steps to decrease income inequality

US government can make mandatory for large corporations beyond certain value to distribute a certain part of its shares to general public through equity or mutual funds (dedicated only to these large corporations, taking mutual funds route is highly recommended), restricting the sale to middle class and low economic class in equity or mutual funds. Companies, when reach the designated threshold should redistribute their shares to general public, may even give a preference to low income households, among those who apply for their shares initially and thereafter restrict sales to middle and low economic class. This will distribute wealth to the middle class and to a certain amount to low income households. The institutional investors can invest in startups and SMEs till it reaches the threshold and sell their shares thereafter. These investors will now invest in new ventures and companies which need investment, inturn rekindling economic activity, further generating growth in the US economy. Share prices may increase less to some extent, compared to earlier model, since we are restricting the sale of shares to people of middle and low income class, but organic growth will not be affected, which will bring profits to the middle class and the poor. All tricks like tax evading, showing losses like amazon does, anything big companies fathom does, will not affect the middle and poor class. It can only increase their wealth. This policy inturn will help solve the huge salary inequalities between top paid workers like CEOs to down the ladder workers. From the 1% to the 99%, without affecting the economy and the core principles of capitalism.

Education Reforms for grade 8 to 12 students

1. Students to study that or those subject(s) they love to read. Within each subject, the topics they study is also by choice and evaluated by same online teaching softwares. They can even goto advanced topics taught in colleges, based on their capabilities and interests. All students need to do is pass minimum number of topics, overall in all subjects, not in each subject, as per their choice.

2. Obviously Technology will replace teachers and teachers will be mere guides and mentors.

3. Practical labs will be setup in each district headquarters, where students will pursue basic practicals at will guided by professionals. These labs will be privatised, means government will pay money to private companies, to run these labs on a contract basis, with more money based on feedback from students. Students who need knowledge on certain exclusive high tech industry, Online Video Chat will be enabled with Industry. This will reduce the cost of running practical labs for every field, substantially. Students will be given free student pass on public transports, authorised by school staffs, for every visit.

4. Common Entrance Tests will be conducted post higher secondary only on subjects students wish to pursue in college. Like if u want to study physics or mechanical engineering, you need to write CETs only on physics and topics relevant to mechanical engineering. Even those topics is as per your choice in a variety of topics, in that stream. With certain minimum number of topics of ur choice as compulsory. All government colleges will need CET.

5. Patents of new inventions and ideas will be considered as booster of CET scores and will be given as much importance as CET scores. Colleges will reserve certain amount of seats for patents alone and patents will be evaluated by industry and college professors. This point will have further discussions.

6. Universities wholly run by Industries will have a free hand selecting their students, even purely based on interviews. Government run colleges will have CETs and will collaborate with industry. CET will be a separate international governing body, like GMAT or GRE and only government run colleges are bound by its results. Industry run colleges can consider, partly consider or not consider the CET score.

7. History will be compulsory for each grade, with few basic topics. History will be included in the course material, with each country having it's own material.

8. The advantage of this system is students can pursue degree on the subject they love, and nobody can force them to study anything other than their interests. When you study what you love, there will be a huge increase in the number of inventions and the whole education system will go to next level of advancement.

9. Private companies running the labs can negotiate with the student inventors to share their inventions and patents with them for a fee, which is acceptable to the students. These inventions will put students under the industry and the world's radar and give them very good exposure to the outside world, which the companies must do. This will earn money for students, while studying itself and encourage private companies to setup labs at probably less fee from the government.

10. All class 5 to 9 ( optionally 10 ) students of government schools which has language other than English, as a medium of instruction, will go through a bridge course for a year, where they will be taught terms of English in mathematics to science, along with English speaking skills. For all those patrons of native language, you can always study till class 7 in ur mother tongue and take a bridge course for a year, which is a stupid idea. Because there is no college degree in STEM course which has language other than English as a medium of instruction. You may say that Germans study in German, French people in french. One thing you should remember is there is only french in France, German in Germany. But in India, there are hundreds of languages. We recommend students to study in English, because in universities, you will struggle. But, government will provide courses in major regional languages, with scientific and other important terms only in English.

11. Online education syllabus through tablets will need a huge participation by professors, online teaching companies and the industry. Every topic should go deep, very very deep. Like if i start studying solar power technology, the students should reach the summit where they should know how solar panel generates power,the areas it can be applied, what are the cost effective ways and new techniques in that field, also practically he must be able to create one from basic tools. Stage by stage the progress should go without too much of jargons. Finish the topic you have chosen, which is what i call immersive learning. Syllabus should start with certain number of topics in each subject and should keep on increasing every year with more topics and updating the old ones. It should be a continuous process.

12. The strength of this method lies in the  education software. Even complex topics should be explained easily step by  step. Normally 80% of each topic will be easy to understand. Remaining 20% will summarize the topic. U will have simple questionnaire at the end of each of the chapter. U should clear it to go to next chapter. You just have to clear the minimum number of topics, per grade.

13. The government can bring in an international organisation to bring in best minds in the world, to contribute to developing the course material, with basic principle of easy step by step approach. This will reduce the cost of the course material, bringing in high standards, which is also mutually beneficial to all the co-operating countries.

14. CET will be an international governing body, which will not only conduct tests but update and add topics the course material. CET will give text course material. Government colleges will need CET for admission and all government engineering colleges will be converted to purely academic purpose, producing professors holding phd. Admission to those colleges, means u r admitted to do masters and doctorates as well. Medical colleges will need CET.

15. Online libraries, with each topic, containing 3 - 5 books recommended for them should be available on the App. Government can negotiate with the publishers to give Rs. 10 for lending each book for 3 month period. Government paying the whole set of books will result in unnecessary ad-hoc lending of books, resulting in wastage of funds. This CET App can be downloaded on any tablet, with authentication allotted for each student. Those who can't afford tablets , should be provided tablets with subsidy, allowing only the prescribed library books.

Service Tax

Service tax in a line. Each and every service providers should have a Merchant Bank Account. Customers as usual will get 8% cashback and accrual of points. More the points, more the chance of getting lucky lot price from the government. So, customers would like to get more points. But Merchants can't bloat bills, because more bills, more service tax. Let's put service tax at 15% or 20%. Merchants can't increase the price, because there is an open competition from other Merchants.

Suppose the government charges 20% service tax, 5% may be reserved for lucky draw. This is for small customers, but beyond certain lakhs or crores, 5% reduction of service tax can be given, for like big software companies and they should transfer this benefit to high value customers.

Sales Tax and Cashbacks

I suggest a simple method of making every sales being taxed. First, Government of India should give a cashback of 8% on all sales of goods and services, below 10,000 rupees. All cashbacks are eligible only with online bills, which will be simplified by just scanning the merchant's QR code. Every Merchant will be obviously required to move on to using UPI and cashless retail, otherwise you will lose customers to shops using UPI money transfer, who gives 8% cashbacks. Ofcourse, MRP can't be raised and for other goods, competition will crack the price hikes, if merchants try. This in turn will make every retailer to show their full sales report, recorded by their UPI and online bills. The sales tax will be 15% on the MRP of the product, apart from the 8% cashback all retailers and online markets should pay. It is compulsory for all packaged products to print an MRP. Also, above 10,000 purchases will have online bills, without which there will be no guarantee/warranty.

Example with 10% sales tax and 8% cashback for illustrative purpose. So, let's consider this scenario. Suppose, a customer wants to buy an electronic goods or toy or groceries worth 5000. Remember agricultural products are not taxed. So, the merchant says, if you buy with the bill, you will get a cashback of 8%. If you buy without bill, i will give you 10% reduction. 2% is your profit. Profit for merchant is 8% black money. What the government should do is retrieve 10% sales tax at the source. That is when a merchant buys from a dealer, he has to pay a sales tax of 10% to the dealer, beforehand. So, eventually, when he sells the product to the customer, two things he can do. Either sell the product with bill and pay the remaing 8% sales tax to the government. Or sell it in the black market with no bill, eventually getting the same 8% profit. What if he couldn't sell the product. Just return the product to the dealer and retrieve back the sales tax and the cost of the product, which only happens, when you are closing the shop. There's lot of advantage in selling with bill, because you can always get a loan from the bank, if you show healthy money transactions. And you can be a good and honest citizen of the country, which is actually Profitable.

Merchants need not bother about the details of every bill. It is enough, as far as government tax is concerned, to give the bill amount in total. Giving detail bill is only for customers and Merchants own purposes. If customers purchase products and avail cashbacks, these cashbacks will be recorded in Merchant App, linked with the Merchant Bank Account and those cashbacks has to be returned to the government as part of the remaining Sales Tax. Non-packaged Agricultural goods are not taxed, but those selling these products as part of their business or solely selling these products should nevertheless maintain a Merchant Bank Account. For Non - packaged agricultural goods, merchants have to increase the price of the products to 8% and then record their transactions in Merchant App, before collecting the price through UPI. They have to return this 8% as sales tax to the government.

Government can't make cashless compulsory for now. Because, and some may be in unavoidable circumstance like some emergencies, with only cash at that time. If someone buys with cash, Merchants can sell and should sell the product at 8% premium not below that. Even Agro-products sellers, when receiving cash should increase the price of their products to 8%. This cash should be deposited at the Merchant Bank Account once in a month and the extra 8% will not be taxed. Only if customers go cashless, they can avail cashback. Each retailer can sell at any price below MRP for cashless transactions. You just have to return the 8% cashback. There is no necessary to change any existing billing softwares. Just bill amount for cash transactions.

We are neither increasing nor decreasing the price of any goods or service. It will always be determined by the market force. What we intend to do is bring every Merchant under tax net, which will be very good for the economic development of the country and making the economy cashless.

There is no income tax for retailers selling products selling below Rs. 10,000, Only for those specific products. Individual products which costs above 10,000, will be billed and should pay income tax on the profits earned and those products will have a different Sales Tax. Online markets will have same tax as brick and mortar stores. Cashbacks will also be there for Online markets. In case, the tax earned by the government reduces, we will simply increase the sales tax, at source to a few percentage. Income tax is approximately just 15-20% compared to sales tax.

How to avoid bloating of Merchant Accounts through maintaining Dealers inventory

As usual, i have a simple idea to do this. Manufacturers will obviously declare their inventory, to pay sales and income tax. Messing with that will put them behind the bars, with their reputation and company going bust. Dealing with them is easy. Now, we will step in to dealers and sub dealers. Manufacturers when declaring their tax, should also declare the total inventory price, they sell it to dealers, to as many as they wish. These dealers should declare the total inventory price they sell it to sub dealers and then to retailers. When the inventory reaches every stage, we keep the MRP as well, which is easy. And on reaching the retailer. He can't sell above the total inventory MRP. That will check their rule of law of selling not more than MRP. 

Let's take two possible scenarios. Dealers clandestinely procure the inventory from some source, very unlikely. The problem with this is, retailers will not be benefitted from this sale. Because, retailers have to declare their inventory to the government. And that only brings them advantages of bank loans, easy processing of money. The profits margin has nothing to do with clandestine or non- clandestine products. In this scenario, retailers cannot bloat their bank account details, because clandestine products can't be sold through Merchant Bank Accounts, Government has their inventory total. No detail of inventory products is necessary. Just the total amount from each dealer. The government has to provide a separate tax app to keep track of these details.

Let's consider this scenario of retailers bloating the bank accounts themselves by selling their products to bogus customers and buying them back. How will they? We have their inventory total. And if they route through manufacturers, they have to pay income tax as well as sales tax, everytime they re-route it. Dealers can't bring any products into their kitty, without a manufacturer declaring so. Also, banks when considering loans based on Merchant Accounts should consider the number of customers, median of sale, among others, while giving loans.

Only products which have MRP is going to get tax for the government. Remaining products will be of no use for tax. So, we can probably put two separate bills. And wait till Technology penetrates Agricultural products as well. Mostly those who sell non-packaged agro products will not need much money as their investment. Banks need not consider loans based on non packaged Agro-products, as of now. So, for now we will separate the two. But all merchants should digitise using bank accounts.

For two bills, we don't need necessarily two times scan. One scan will give two account details and we can put two separate amounts and authenticate both at once. Only for Merchant Accounts, who declare themselves of selling both products. If it is absolutely necessary, in case there isa huge amount of both transactions happening at once. Also, any bank, UPI or credit/debit card can be used to get government cashbacks and avail its schemes.

Technocracy

I will propose a plan which i will call Technocracy. It is better than democracy or dictatorship or communism or whatever. Technocracy comprises of three things.

Democratic values + Talent + Technology.

I explain this based on Indian Government. Since, that's what i know for now. How we can elect the prime minister, we will come later. But for now, there is a prime minister. He chooses the Union Ministers and Chief Ministers. Chief Minister will choose the State Government Ministers. And those ministers will choose MLAs and allot constituencies for them. These MLAs will choose and allot constituencies for Councellors. There will be no MPs, No Rajya sabha or Lok sabha. Parliament will be conducted department-wise. During budget, Finance Minister will call all CMs and state FMs, along with state and centre beaurocrats to discuss union Government budget. So forth for all ministries. 

Democratic values

So, first democratic values. Every 6 months, there will be election. 6 months for all ranks of state ministers, MLAs and below. 2 years central ministers, CMs and PMs. Not to choose any politician, but to assess his performance.To decide whether he can continue or not. If people choose that he is not performing, he will be fired. This will overcome the main problem in democracy. People don't have knowledge, whom to elect and their inability to oust him for another 5 years. All politicians will undergo this process. Voting will not be ballot. Online voting. Every citizen should register for voting through their Aadhar Card. MLAs and Councellors will be voted by their constituency members. Others can be voted by anyone. If a citizen doesn't have knowledge about any politician, don't vote either for or against him. We recommend only informed voters to participate. To survive, politicians should get more than 50% of votes casted for him. If a politician fails, he will be replaced by another politician by method already told.

Talent

Next, Talent. If a person wants to take part in government, he should have done atleast bachelor's degree in the field, he is applying for. Phd is most welcome. Like Finance Minister should have done MBA in finance, or commerce. Even Railway minister should have done degree in Railways. If there is no specialization available right now for any field, Government itself will start allowing universities to start such degree programs. High scores and leadership qualities should be considered by the respective Politicians, while choosing ministers and other members. And the politicians should give a clear reason, why they chose such a person.

Technology

Next, the most important game changing part. Technology. I will recommend this be given to Microsoft. I will call this Microsoft Administration Application. So, this will bring the whole administration of a country, under one roof. Revenue to Microsoft will come through Advertisements, which can be accurately targeted. There are few things, which should be avoided here, which may compromise India's security like Armed Forces and to some extent police force as well. Each ministry will have a different part in the Administration App. Each basically will do these things.

1. Propoganda

2. Complaints and Rectification

3. Problems, Solutions and Ideas

4. Budget

5. Rank a politician

6. Governance College

7. Policy discussion forum

Propoganda

This is a way by which government reaches to each and every state, constituency, town and village. If government decides to introduce a welfare scheme, it will reach every citizen, what government is offering them. Like, government wants to open a university in their town, wants to bring awareness regarding a scheme like suganya samridhi scheme. Each and every program designed by government, will accurately calculate, who is eligible, who should be informed, about the scheme.

Complaints and Rectification

This will be a part, everyone will love. Suppose a citizen finds that there is no proper sanitation in his area or a school in his area is not functioning properly or there is any proof of corruption, He can simply take a video of it, locate using map, if necessary, and upload it in the App. Every complaint should have at least five persons endorsing it, with each of them having a different address as per Aadhar ID. It is not true that there is only one vote per house. It is one vote per house per issue. Some house may have elders. They will vote for their issues. Some will have youngsters ( above age 18 ), they will have their own issues. This will tell accurately from anywhere, what is happening even in a small town or village. If a politician receives a complaint in his area, he has to rectify it, or give a proper reason for not rectifying, like unavailability of funds. These complaints will be give raise to points. Red points for Complaints, Green points for Rectification, Blue points for Reason without rectification, Yellow points for dispute, Black for inaction. R= G+B+Y+Bl. More Green points or less Red points means a good politician. Green points divided by Red points will be a good measure of that politician's performance, based on quantity. Quality of a Politician's performance can be calculated by taking into account the number of endorsements each complaint has received, then calculating Green / Red. Calculations will be done by Microsoft software. Weight for every complaint = Number of complaints / Number of individual houses in that Constituency. This number of houses in that Constituency increases as per the position of the politician holds. Councillor will have less households compared to MLA. Weightage is anyway going to be very less for complaints made for fun and police may take disciplinary action against them. MLA responsible for all his councillors performance. His score is aggregate score of his councillors + any common additional issues he has solved in his constituency. We can add a layer between councillor and MLA if necessary. Ministers are not responsible for any councillor or MLA. His score is purely based on his performance in his ministry. Every complaint should mention, whether it is Councillor's issue, MLA's issue, Minister's issue or any combination of them. If you have any doubt, whose problem it is, you can contact Councillors and ask them or maybe a  toll free helpline, if possible. Colorts will be decided by the 5 or more persons who lodged the complaint. Majority points will decide the color. Like  if 5 persons complained and 3 vote as green, it is green. But if there is no majority like 2 votes for green, 2 votes for red and 1 vote for blue. It will goto dispute Yellow points. Also, if a politician says, he has cleared the problem, but those who made the  complaint, gave red points, it will goto dispute Yellow points. Yellow points is of no use to the politician. If those who made complaint, do it again and again on a politician, because of personal vengeance, more dispute Yellow points will come and those who made complaint will not be allowed to complaint again. We can fix that to 10 Yellow points per Aadhar ID, more than that will be barred to complaint for 6 months. 

For making a complaint you don't need a Smartphone. After making a complaint in  someone's Smartphone, others can endorse through OTP received on feature phones. Only that, that phone number should match their Aadhar ID's Phone number. More the number of endorsements, more is of importance to the politician. Unavailability of funds is no excuse. If there is a sanitation problem, Canvas volunteers and NGOs to come and clean it. If a school doesn't have enough resources, find a corporate to sponsor for the school and upgrade it's classroom and infrastructure. Innovation, problem solving is not just for software developers. It applies to everyone who wants to serve as politicians. Then only you will get good color points and performance rank. Crime complaints can't be lodged like murder, rape or kidnapping. These cases are sensitive and should be handled only by police. But corruption even by police can be recorded and uploaded. Complaints section can do anonymous posting, no other field will allow anonymous posting. Normally, Rectification color points will be given by the persons who posted the complaint. Anonymous complaints will most probably some kind of high profile corruption. Rectification color points for anonymous complaints will be given by police department. Even if it's about police, it will go to higher authority. Police will track anonymous complaint, before allowing  it on Administration App. Nobody goes anonymous to complain about sanitation. Sometimes it is safe to go non anonymous for political complaints, because after i declare that i made that complaint and anything happens to me, who is responsible?. 

Problems, Solutions and Ideas

For people who are smart, and want to contribute to the society, but couldn't do so earlier. This is for you. Government will post problems they are facing and ask for solutions from talented people in the society. This will not be like a Social media post, where no one cares about comments. There will be interaction with people giving solutions. Best solutions will be given awards by PMs and CMs and recognised in the Administration App. As already mentioned, no anonymous posts will be allowed to avoid junk.

Budget

This is a game changer, to stop corruption and misuse of government money. Budget allocated for every department and every single project will be clearly posted for public to know. Also, who got Government Contracts for what amount their project got approved, will also be out to public. So, if Government allocates 2 lakhs for a park near you and there is no park, everyone can easily know, who swallowed it. It will also clearly tell you what amount is allocated to different departments, in turn telling you government priorities, Government's income and their tax allotment.

Rank a politician

Based on the performance and points they scored, the progress they showed in their constituencies and departments, citizens can rank a politician from 1 to 10, so that he knows how he performed, why certain area people has given him low marks, where to improve, where his strengths are and so on. Citizen should rank only ministers, whose work they know. Like health workers, Medical students, people who goto government hospitals and those who are benefitted by government health insurances or have a good knowledge about it should vote for a health minister. If you know nothing about health minister's policies, don't vote for or against him. There will also be factors like whether a minister got approval from public on a certain policy. How many welfare schemes, he has introduced and how many were successful, which will be calculated by Microsoft formulas, and will add to their scores, along with people's score. Every 5 years, low ranked politicians will be removed and high ranked politicians will be promoted to higher positions and new politicians recruited, as per the recommendations of Chief Minister. It will be done every 5 years because those low ranked politicians did pass people's mandate, every 6 months. Just that they are not talented enough to beat others. As years pass, naturally highly capable politicians will come up and they will select such highly capable politicians.

Governance College

Every state need to have its governance college, which will give Master's Degree, on all ministries, each course will have 2 or 3 years time duration. Participants should have already done atleast a bachelor's degree in their respective fields, in any university. Entrance test will shortlist the candidates, after which they will be interviewed. Voluntary social work done, making any remarkable achievement,  giving new ideas regarding governance should be considered in interviews. This college will help political leaders to interview and select their ministers and all other politicians.

Policy discussion forum

Every new policy after conceived and finalised by politicians and beaurocrats will go to public policy discussion forum, where citizens of the country, from experts to ordinary knowledgable citizens enter a healthy discussion. It is important for politicians and beaurocrats to wade off popular sentiments if any, by explaining clearly the merits of a policy. Participants may find holes in the policy, which will help government to rectify it, before applying it.

No matter what, a Prime Minister can't stay in power for more than 10 years. If he reaches the last 6 months, he has to choose a few possible future PMs and train them, evaluate them and then announce him as next PM. That PM should get approval from majority of CMs. No personal favours allowed.

Soft exit from COVID - 19

India may have some resources to put up the lockdown for 6 months, hoping that vaccines will come by that time. But, what will happen to other countries like Africa, which doesn't have such resources. The best possible way is to do a soft exit. Protect the most vulnerable. Elders and children. For children, this academic year only study from home. India can extend even 6 months lock down. The maximum lock down India can do. After that open sector by sector. Africa can't afford even that. There is lot of lower class people who depend on Construction industry. Hunger will kill them, even if corona doesn't. At the same time, open the sector, which gives maximum revenue to government, IT and ITES. There will be virus infection. Death rate will be lower than even 5%, because we are first releasing young people. I guess at least half of them will get mild infection and will recover from it. Also, Corona infection will be spread across states. Not putting heavy pressure on the health infrastructure and health workers, in one particular state. One by one we can release sector by sector. Meanwhile we hope our best that vaccine comes soon. That's the only remedy to completely stop this Virus. People say there is a curve which goes up and comes down, without vaccines, which i completely don't understand, how that happens.

These poor migrant workers need not necessarily go back to cities and probably be medium of transfer. They can be taught to produce what are necessarily needed in this moment. Masks, PPEs, and medical equipments. All the products that is needed in  this hour, not just medical equipments. Find what is important now. And also even if construction work can't be started. Build highways outside the city. Build bridges. Not only migrant workers, whoever are poor, but healthy and young, who will overcome this Covid infection, can be employed in infrastructure projects.

Tax cuts during recession

It is obvious that government will announce tax cuts to corporates which seems to be the way to help economy, to put salaries in the hands of workers and increase liquidity. So, instead of giving tax cuts, let the government buy bonds of corporates for the amount of tax cut being announced. Say, if it's 30% corporate tax, i announce a tax cut of 10% or even more, which the government will buy corporates bond. And the corporate can accept it by choice and redeem the bond and give the money back to government at any time within 10 years, even in parts.

Government is benefitted by not just avoiding tax loss but gaining a bond amount which is generally higher than normal interest rates. At the same time, It also injects money into the system, which gives liquidity. It's like Government investing in private sector and making profits. Also, giving a boost to private sector. But just through a bond, which is safer.

Corporates are benefitted, because every company doesn't need to go and ask for a loan in the bank, which it may get or not. Not because, it is not eligible. But, banks may not have enough reserve. Tax cuts more than normal is expected, which will be converted to bond. This is not just for the first two years, but  any couple of years, till economy comes out of recession. Corporates need to pay more tax, only after making good income, after recession, but within  a time period of 10 years.

I hope that recession goes off in around 2 years, but still corporates should be allowed a time window of 10 years. This policy can be followed even after recession. Once, you pay back all the bond amount,  maximum 2 years of income tax cut. You can renew it. Businesses having huge incomes can be trusted and more tax cuts, converting it to bonds can be given.

How Banks can come to the rescue

To recover from a depression, which is imminent in the near future, obviously money needs to be pumped to the economy. How to effectively do it, i have a small idea. So, basically, banks have a fixed rate for deposit and loans. I want to restructure it, so that banks lend more to the industry, still keeping it safe from collapse, especially in a depression. There should be varying interest rates for deposits as well as loans, based on the following.

Deposits

1. If the deposit is low, below a lakh or 5 lakhs( calculate according to respective countries. Please bankers and fed calculate all the numbers.) , give the least interest. So that, it will encourage people to buy goods than simply put it in banks, that is i guess huge liquidity in the economy.

2. If the deposit is high, give a good interest. Because, if someone wants to put say a 10 crores in a bank for more than a month, surely he is not doing business with that money. Let bank make best use of that money, by lending it.

Loans.

First thing, difference between deposit and loan interest should be more. That means high interest for loans, since bank is taking a huge risk, in times of depression. It has to survive, not waste resources, making already rich people more and more rich.

The most important thing in this plan is we are introducing a new score, which calculates the risk factor, Banks are taking. Not based on someone else's views. But purely based on their own bank's remittances, loans, and deposits, a particular company has done with them. This should not be done by officers, as it will lead to malpractices, but by artificial intelligence and machine learning alone. Banks can share their score with other banks and legal lenders too. Every company's loan will have varied interest rates according to the score. The score will also take into account the amount they are demanding.

Least acceptable score will have a highest interest rate ( even 20% ) and high scores will have less interest rate. Fed only puts cap on lower and upper interest rates.

The most obvious thing is more money should be pumped in the economy and i guess banks are probably the best bet as of now to take. So, high interest rates for loans should not matter, for their survival.

Also, it will to some extent encourage SMEs to have their business transactions through banks, and avoid hoarding and evading tax, because, you will have less chance of getting new loans, the next time or loan at higher interest rates. Because AI is going to reward companies having higher profits, with less interest on loans. Since, it's a safe bet.

Banks should cover the whole spectrum of loans, from the least acceptable score ( high risk ) to high score ( lowest risk ). There should a new factor based on economical performance of a country. If the factor is too low in situations like recession, the least acceptable score should be increased. As the least acceptable score increases, loan's division among indutry should be more. If the least acceptable score decreases, loan's division can be flexible based on bank's wish.  

Example, if the score for loan is between 1 - 100. During normal times, we can make the least acceptable score 30 and give loan with higher interest rate, taking high risks. During recession, we can increase the least acceptable score to 50 or 60, and give loans with less interest rate, taking less risks. But , as the least acceptable score increases, loans should keep more distributed across different type of industry. Still, loans should cover from 60 to 100, not just 100. This factor ( based on least acceptable score ) should be decided by the Reserve Bank, in consultation with the government.

Dealing with Unemployment

Rule 1. If an unemployed person wants to get unemployment benefits from the government, he should constantly upgrade his skill with the latest developments in the industry or enter a new industry and acquire skills in that field. We should take this opportunity to make people more skilled and prepare for the next generation industries. Varying benefits can be paid based on the skill score they gain. Simple apps can be used to acquire skills and take tests in government centres, with the same app.

Taking education to the right destination

Honestly i am telling you, i don't know what problem Laplace tried hard to solve. Because, i just memorized the theorem. The basic problem with the education system is we just try to remember, what someone invented, not trying to invent or solve problems ourselves. High scorers, at the maximum understand how problems are solved by someone.

To encourage students to solve problems and be an inventor, we need industry to step forward, and start universities, which admit students not based on marks, but on their inventionS, eventually recruiting them in their companies. Private universities should also be allowed to fill a part of their vacancies, by themselves, who are inventors and problem solvers, with government putting a bar only on their fee structure. Industry and private universities, operate for profit and reputation accordingly, which will naturally give more important to quality students, admitting talented inventors and problem solvers. Private companies and universities know better than any government universities on technology, to admit the best students, hence should be given a free hand on admission. These students, after given admission, should be allowed to pursue their own research and not tied by marks again. If highly reputed private universities and companies admit students this way, there will naturally be decline in number of students studying for scoring marks, and instead understand what's in the syllabus and most importantly invent new technologies and generating great ideas that will change lives, taking the education to the right destination.

Track and stop Corona Virus spread

I want to suggest a simple device, to track and stop the spread of corona virus. We can mass produce a small RFID tag, which sends the person's mobile number or an alibi to that number, which can be found, from central database. A microphone should be attached to the Mobile phone, pinned in the collar, which detects whether it's a cough or sneeze, with the help of mobile app. Mobile phone will have a RFID reader attached to it. Suppose a person is identified to have corona virus, we can use his device to find whoever talked or stayed close to him for more than say 30 seconds. And the most important, whenever the infected coughs, microphone, pinned in his collar will sense that he is coughing or sneezing and records all other victims' RFID number( or mobile number directly ) near him in the mobile app, with the help of the nearby victims' tag, and RFID reader attached in the infected Mobile phone. So, we can completely track the spread of corona virus from person to person, contact them through their mobile phones and ask them to take a test. We can even segregate them, whether they are high risk, low risk, sure victims, by their time spent with the infected and whether they were with him, when the infected coughed or sneezed.

If we develop technology for this, we can simply create a smiley batch, with all the necessary technical products in that batch and people just need to wear the batch, connected to their cellphone, by Bluetooth or wireless. If we do research further, we can even develop smiley alone, which  works on battery, later retrieving the data, so that children can also wear this. Definitely this is not rocket science. It's just a simple device. Ateast in the future, we should be ready and act immediately, before such virus outbreak starts.

Rejuvenating the rural economy profitably

Giving money to rural dwellers unsustainably and unprofitably by schemes like MNREGA is not a good idea. Instead, we can make farmers earn money from their own agricultural land. That can be done by building small resorts in the centre of patches of agricultural land. These resorts should be branded, very good if star hotels collaborates and pay rents for the land use and sharing their profits with all the farmers covering the patch of land. This model is living luxuriously with nature and greenery all around. Also these patch of lands should do organic farming, sharing their crop produce with resorts for food, giving a great dining experience. More can be done by sharing their cultural and heritage, with those staying in the resort. Local food made in collaboration with resort chefs and going to local temples, enjoying festivals and rural dance and art forms will give a great experience for the resort customers. Their is no two views that more urban dwellers want to spend their life atleast in weekends in rural areas, living with nature. So, this is going to be surely profitable model, only we should be careful in keeping the brands good name, without compromising the quality of stay. That's why I prefer star hotels, collaborating with the locals.

Now, let's get to the benefits of this method. It will bring infrastructure to the rural areas. Roads, Clinics, Electricity, Clean water, Jobs for locals will all start to come beginning from the most connected rural areas, gradually getting into deeper rural areas. Sustainable power source, zero carbon initiatives will start like solar powered resorts. We can even make compulsory to ferry resort customers in and out of rural areas only through electric vehicles. Organic farming will become the norm in those patch of lands, not only serving the resort dwellers, but also the farming at large.

Labour reforms

Before I start, I must tell you that I am against Labor Unions. They make employees inefficient and irresponsible. But, still we should find a way where middle and lower level employees of an organization are fairly paid. Otherwise, there will be huge disparity in the society; with top few percentages of people holding much of their country’s wealth, with the disparity exponentially increasing in the near future.

              The Labor Reform, I am proposing is the salary level for the Primary Hierarchy of a Company, which is the main source of income and the core job, the Company does and for the Secondary Hierarchy of the Company, which does trivial jobs like housekeeping or security for a software Company, unrelated to the core job. Keep in mind that housekeeping is itself is a core job and in primary Hierarchy for super markets and that security is in Primary Hierarchy for Banks. The Primary and Secondary hierarchies never meet and are parallel to each other. The Company can be private or public, salary  in every level of the Hierarchy, should have a Range, whose Center, is twice, thrice or four times, the Center of the Salary Range immediately below its level. Banks may give 2 factor increase in Salary. Software Companies like Microsoft may give 4 factor increase in Salary. The Company can add as many Levels as it wishes, only that the whole Company’s Hierarchical Structure should form a Pyramid.

Example:

             

If in a Bank, Let’s say a Clerk gets a salary, whose Center of the Range is 4 Lakhs per Year. So, the next level in the hierarchy Probationary Officer will get their Center of the Range, the double ( or triple  or Four times, But should be same for the whole Organization ) of the Clerk, which is 4*2 = 8 Lakhs per Year. The Boundaries of Range in every level is calculated by taking multiplication of 2, ( triple or four times, the organization chose) and a constant 5. The Upper Range cut will be 2*5 = 10 % more and Lower Range is 10% less from the Center of the Range. Clerk’s Range of Salary is 3.6 Lakhs to 4.4 Lakhs per Year. Probationary Officers’ Salary Range is 10% less to 10% more of middle 8 Lakhs per Year, got by multiplying Clerk’s mid-Range with 2. Probationary Officers’ range is  7.2 Lakhs per Year to 8.8 Lakhs per Year. Accountant, Cash Officer and Field Officer will get between 14.4 Lakhs per Year to 17.6 Lakhs per Year.

              

Let’s study one more scenario, what if there are more than one Primary Hierarchies. As long as they are not irrelevant Secondary Hierarchies, they should meet at a point. What if , it has different number of levels. Example, There is a Manager for wrist watch in a watch company and he takes care of sales hierarchy, manufacturing hierarchy and research hierarchy. Sales hierarchy has 3 levels, Manufacturing 4 levels and research 2 levels. First, we have to take the vertical that has maximum employees. They will usually have maximum number of levels. Here Manufacturing.  It has 4 levels, replicate it across all hierarchies. Now, Research and Sales will also have 4 levels. In case, it doesn’t need that number of levels, create hypothetical levels. Like if there are Manager, Supervisor and Salesman for Sales Hierarchy. Add one more Level, Deputy Manager or Chief Salesman, wherever you want, only in theory. If you create Hypothetical Chief Salesman, Salesman will be directly promoted to Supervisor, with 4 factor ( in case the watch company chose 2 factor increase in salary in every level up ) increase in salary. You can introduce hypothetical levels anywhere. But the whole organization should form a pyramid.

              If you increase the number of Hierarchies, Mid-Level Employees will be benefitted. If you decrease the number of Hierarchies, Low Level Employees will be benefitted. Both ways, our objective is achieved. Legal system implementing this system just needs to check Income Tax Filing, if it forms a pyramid, that’s all it cares.

Let's stop viruses

I will start with a little knowledge, i have on viruses. First, like Certificate Authorities on Websites, we will provide CAs for softwares. CAs should have a network of all possible necessary framework to validate a type of software, unattached to the internet. After that, it validates a particular version of software from a certain website. If you have got that software from an unknown source, verify it with the CA online. CAs just need to pickup random bits from the original and unknown source, and verify it. Now, we will see e-mail attachments of files and softwares. If i see a file named hello.txt, why would it run, it's purpose is to show u some text. Always open a txt file in an text editor, jpg file in a photo viewer, .mpeg in a video player. E-mails should only see the files as shown to the viewer. Don't care if it's hidden .txt.exe. If it's shown as .txt, open it in a text editor. If you see code in editor, unwanted information or gibberish,  delete the mail. If you see no picture or video, delete the mail. If it's not a clear known viewable type of file extension( .txt, .jpg,.mpeg,.docx), as viewed by the recipient, like .TxT ,. Mpeg, . txt.exe, . mpg.exe clearly tell them it maybe malicious and advice them to delete the mail. If there is standard non- viewable file format allow only to download and not run. After downloading , ask them to verify with the CA. If someone creates a software ( malign with no CA certificate, maybe even few lines of code) and sends it through mail, check with CA. All these for common man, who suffers most damage. Programmers who want to share their code can ignore the warning and execute. If virus or any malicious software is found, both CA and the software firm is accountable. CA software should be installed in the PC and connected to the internet. CA software will first quarantine and read the version and name of the software by getting into the internal bits and after verifying its validity, by the particular CA who verified it, CA software will allow the software to get installed. Of course you can bypass CA, incase you are a programmer. There can be multiple CAs with expertise in different areas, working separately or collaborating incase the software has multiple utilities,  making the probe more worthy. Search in common CA list for the software name and version, go to that CA and verify its validity.

Access Badge

I saw a video in which kevin says, i went to a rest room and  created duplicate card, by copying it, by some means, which i don't know. If that person enters the building with the card at the entrance, second attempt with a duplicate card by kevin should have raised an alarm. Even if that person enters second, kevin is trapped inside. If you map all the building, we can stop the security breach. You can even know, if security is breached, by recording entries and all the path the intruder has taken. If the employees are given Microsoft calendars, which has the normal working hours and their holidays, Card can be used during those hours, without dynamic passwords, i wrote a blog about, just by using access badge. Other times, use both access badge and dynamic password. Atleast, mark next day's entry time in the calendar, like i will enter the premise tomorrow between 9 AM and 11AM, exit anytime, along with holidays. Standard times for lunch will be without passwords, if you go out. Otherwise, enter with passwords. Anyways, this is just a better way of security, not cent percent fool proof. If say, i don't care about ease of use and want full security. Put Smard cards + dynamic password + face recognition + no double entries, everytime.

I have another simple method to confuse card copying. Provide a two plastic dials, each with 6 to 10 points in the access badge. It will make the badge little thick. You will be assigned a number between 00 to 55, in case of 6 point dial or 00 to 99 in case of 10 point dial. Or instead of dials, lines can be used, the more the lines, the more the numbers. Every time you swipe( inserting inside card reader), it will check the magnetic code and the plastic dials. If both are correct, give access and changes the plastic dial to a random number. Every time you swipe, change the dial to ur assigned number manually and after that, let the reader itself confuse the copier by changing it to a random number. Your effort reduced. Plastic dials, first of all can't be copied. It will not emit any magnetic field. Card Reader will detect the assigned number by the raised plastic mould used. It's like a password, only that you don't waste time on quees and the one behind you, won't peek into ur password. We can use plastic number checks during entry and exit of the building, leaving the rooms inside to check only the magnetic code. Also, we will design, the dial in such a way that no finger prints can find the number. The dial will have a small flat hole. A plastic pen will be provided at the side of the card. Insert the tip of the pen in the hole and rotate it. Without the pen you can't rotate the dial. And the dial will always rotate in one direction. Dial and the card will be at same flat level. Obviously, this technology will not be used in FBI. But if a small or mid-sized company wants security, this is a very cheap, high security method with that cost. Also can be commercially mass produced.