America In Realization [04.02.15]


Business & Economy: Wall Street (Finance)

“Funds managing billions hunt for investment clues in newswires, weather, Twitter.

In SoHo offices where robots occasionally ply the hallways, dozens of Ph.D. scientists with degrees in fields like astrophysics, immunology and linguistics huddle every day around computer screens that show billions of dollars zapping around the world. Their goal: to give their secretive hedge-fund firm a leg up in investing the $24 billion it has under management.

In a room called the “Hacker’s Lab” where staff work on side projects, a researcher prints out an ergonomic keyboard on a 3-D printer while another teaches a Robot to play air hockey. A Robot from the lab occasionally plays shuffleboard in hallways.”

[ #PhysicalComputing influence at Work]  #FinanceAndBanking  #ComputationalFinance  #FinancialEngineering


A New breed of Wall Street “Quants” – They are “Makers”!

New breed of Wall Street "Quants" - They are "Makers"

New breed of Wall Street “Quants” – They are “Makers”!

Britain In Realization [02.25.15]


“It took more than 15 years, but Britain’s benchmark FTSE 100 index closed at 6949.63, finally surpassing the peak set during the height of the dot-com boom”

FTSE Data Visualizations [Image Courtesy of Wall Street Journal]

FTSE Data Visualizations [Image Courtesy of Wall Street Journal]

Latest From India [01.20.15]


India: US – India Relations

President Barack Obama & Prime Minister Narendra Modi

President Barack Obama & Prime Minister Narendra Modi

“Every Jan. 26 mark the day in 1950 when India’s constitution came into force.

President Barack Obama will be the first American leader to attend the parade, and his presence on Rajpath alongside the Indian President Pranab Mukherjee — the country’s ceremonial head of state — and Prime Minister Narendra Modi

 … the relationship between the two countries “is now accorded a special status that’s a bump up from the past,”

U.S. Secretary of State John Kerry flew to India to attend an economic summit in Gujarat, highlighting four burning issues:

  • Cooperation in the Civil Nuclear Sector,
  • Climate Change,
  • Defense and Security, and
  • Economic ties”


India : Economy & Business




“On January 15th the Reserve Bank of India (RBI) reduced its benchmark interest rate by 0.25 percentage points, to 7.75% … Raghuram Rajan, the central bank’s chief,

Figures released on January 13th showed that India’s consumer-price inflation in December was 5%, lower than forecasts.

India’s Stockmarket rose sharply in response to the news.”

India: Delhi Elections 2015


Arvind Kejriwal, AAP Chief

Arvind Kejriwal, AAP Chief

Britain In Realization [01.18.15]

Economy & Business


“The U.K. experienced its slowest annual growth in consumer prices in more than a decade in December, giving a boost to British workers ahead of a general election in May.

Weak inflation boosts family incomes.

The decline marks the first time annual inflation has been more than a percentage point below the Bank of England’s 2% goal since the central bank adopted the consumer-prices index as its official target in 2003.”


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The Development & Privacy Concerns of “Wearable: Platforms & Services”

Privacy is vital when it comes to “Wearable” Gadget & Platform design.

When Insurance Gets “Personalized” & “Predictable”


Your personal health data getting into the hands of Insurance Companies could have horrible consequences.

No one would want Insurance Companies to use “personal” health data for determination of Insurance prices. “Personal” is the key, which means
“So, this guy’s wearables say he has very high risk for Heart Diseases and we are not going to sell insurance to him, but only to those who have low risks for Heart Disease.”
And people who need most – people with the highest risks for Heart Diseases – would be denied of Insurances and won’t receive any healthcare.
Another Problem: the whole point of Insurance is reducing risks of “all buyers” as a whole and if the amount of “individual” risk gets too much predictable – then this overall effect (of reducing risks) is lost.
This is applicable to Insurance Companies and Healthcare Providers in general.

Reformulation of US National Policies & Laws

I would reformulate US National Policies & Laws for the best interest of everyone concerned –
  • Wearable Users
  • Wearable Manufacturers and
  • Insurance Companies.


It is permissible to let Insurance Companies use “Collective” Data, but not permissible to let them use “Personal” Data on an individual basis which would make health (& healthcare needs) of each person predictable.


This applies not just to “Wearables” but Healthcare Providers and Insurance Companies in general.

Private Life & Privacy Concerns

Besides, no one would want readings to be taken while one is in one’s bedroom or in other private places, unless the user permits.

Gaining Trust of Users

We, “Wearable” Gadget and Platform Designers have to be very explicit about – how users’ data that we collect is being “used” or “misused”.

Restricting Data Access for App & Service Developers

I would recommend “Wearable” Gadget and Platform Designers not to give direct access to User Data to App and Service Developers, but only “anonymous” (and “accumulated”, like the averages, total, etc.) access through suitable APIs.

“Privacy and Security” Service

I have plans for introducing a Privacy and Security Service for
  • Authorizing Gadget & Platform Designers and App & Service Developers (so that users feel comfortable) and
  • Provide explicit information to everyone on how users’ collected data is being used on any of the various Gadgets, Platforms and Apps.


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Coming Up With Ideas For “The Next Big App” By Solving Real-World Problems

Mobile (iPhone / Android / Windows) Apps can be utilized to solve communication problems.

  • Suppose two persons, A and B, share the same route to work each day. We can develop an app that helps them connect and share a car.
  • Or we can develop an app that connects used textbook sellers and textbook buyers (bit like Chegg [1]).


So if a group of people share a common interest or can be connected to solve a problem (but they are not friends on Facebook or not in one anothers’ contact list and not aware that they share the problem), then we can design apps that connect them and solve the problem.

Your app has to solve a narrowly focused problem and solve it well.

Uber, Airbnb follow the “Finance” Model.

Some people have excess of some resource and others need that resource. So the resource is being transferred from the provider to the needy “for efficiency” “on some conditions”.
In Finance, it’s transfer of money, through Banks, Bonds and Stocks.

Some people have excess of money that they don’t know how to make best use of. Others need money to bring a product to market or buy a house. So, Banks collect money from people who have excess of it, and lend it to borrowers who need it.

  • Uber [2] – transfer of ride space.
  • Airbnb [3] – transfer of house space.


So what are your ideas for the “Next Big Smart Phone App” that really solve real world problems?

Successful Apps