印度政府公布的通胀数据5%是否正确？食品、教育和医疗保健的成本在过去十年中翻了两番，我认为年均达到15%。KB爆料印度选举债券惊天大瓜
正文翻译
虽然是免费文，但是可以看到KB爆料印度竞选债券的惊天大瓜。 敬请支持我的其他译文
@Kanthaswamy Balasubramaniam Independent Legal Banking Consultant at Self-EmploymentSat I typically incorporate a Middle Class Basket comprising of :- Food Housing (EMI or Rent) in a Tier 1 City Healthcare Premiums Energy (Gas and Electricity) Clothes & Communications Tuition / Education Transportation (Public) Transportation (Private) I then weight the basket giving 0.31 to Food and 0.23 to Healthcare and 0.19 to Education and Tuition - 73% to the Big Three and 27% to Clothes and Energy and Transportation I then set the value in 2004 to 100 to check the new weighted values in 2009, 2014,2019 and 2024 I get 214.24 in 2009, 300.33 in 2014, 391.88 in 2019 & 570.94 in 2024 June This means a Basket that cost ₹100/- in 2004 now costs ₹571/- in 2024 However this is flawed because in 2004 - Health Insurance was unheard of or was pretty rare unless by an Organization So let's set the value in 2014 to 100 and check the new weighted values 2019 - 187.66 2024 - 291.48 This means a Basket of Goods that cost ₹100/- in 2014 now costs ₹291.48/- Yet this is also flawed We didn't have cheap data in 2014 and not everyone had internet on their phones. Data was ₹651/- for 3 GB and that completely ruins the numbers If we take 50 GB a family - the mobile bill alone back in 2014 would be ₹9–11K a month Final Assignment:- So let's set the value in 2018 to 100 and check the new weighted values year by year 2019 - 106.32 2020 - 121.88 2021 - 134.27 2022 - 142.22 2023 - 150.98 2024 - 186.47 This is the most realistic and accurate representation of the numbers and this shows an Annual Inflation of this Basket at 10.95% a year However we have left out the Price of Gold Middle Class families buy Gold So if we include Gold with its 0.14 weightage and assign 100 in 2018 we get 2019 - 107.55 2020 - 119.95 2021- 132.77 2022 - 149.28 2023 - 160.36 2024 - 192.79 This shows an Inflation of around 11.56% a year India's annual GDP growth is only 8%, which means that India's economy has been in recession?
我通常会设计一个中产阶级篮子，包括： 食物 一线城市的住房（EMI或租金） 医疗保险费 能源（天然气和电力） 服装及通讯 学费/教育 交通（公共交通） 交通（私人） 然后，我对这个篮子进行加权，将0.31分配给食品，0.23分配给医疗保健，0.19分配给教育和学费-73%分配给三大类别，27%分配给服装、能源和交通 然后，我将2004年的值设置为100，以检查2009年、2014年、2019年和2024年的新加权值 我在2009年得到了214.24，2014年得到了300.33，2019年得到了391.88，2024年6月得到了570.94 这意味着2004年价格为100卢比的一篮子商品到2024年将上涨至571卢比 然而，这是有缺陷的，因为在2004年，健康保险是闻所未闻的，或者说非常罕见，除非由组织 因此，我们将2014年的值设置为100，并检查新的加权值 2019年-187.66 2024年-291.48 这意味着2014年价格为100卢比的一篮子商品现在售价为291.48卢比 但这也是有缺陷的 2014年，我们没有便宜的数据，也不是每个人都有手机上网。3GB的数据要651卢比，这完全毁了数据 如果每个家庭使用50GB，那么2014年每月的移动费用就高达9-11K卢比 最终作业： 因此，我们将2018年的值设置为100，并逐年检查新的加权值 2019年-106.32 2020年-121.88 2021年-134.27 2022年-142.22 2023年-150.98 2024年-186.47 这是最现实、最准确的数字表示，表明该篮子的年通胀率为10.95% 然而，我们忽略了黄金价格 中产阶级家庭购买黄金 因此，如果我们将黄金的权重设为0.14，并在2018年分配100，则得到 2019年-107.55 2020年-119.95 2021年-132.77 2022年-149.28 2023年-160.36 2024年-192.79 这表明年通货膨胀率约为11.56% 而印度每年的GDP增长仅有8%，这意味着印度的经济一直在衰退？
So to an Average Middle Class family living in a Tier 1 City - the Annual Inflation between 2018–2024 has been 11.56% a year on the Middle Class Basket of Goods and Services Bangalore with 13.83% is the highest Hyderabad with 12.62% is next Delhi (12.24%) comes Third Mumbai is fourth with 10.95% Chennai is fifth with 10.72% Kolkata is sixth with a mere 8.91% Now let's see the proportional rise in wages and salaries in the same period Let's include :- Grade C Government of India, Equivalent Grade in State Governments, Scale II in PSBs and 10 year experience in the Private Sector Let's exclude Self Employed & Own Business for the moment which means No Architects, Doctors or Shopkeepers Let's weight the Average Remuneration including allowances and perks at 100 in 2018 Government Jobs (Central Govt) 2019 - 114.44 2020 - 126.85 2021 - 150.71 2022 - 168.78 2023 - 208.94 2024 - 229.29 This shows a 14.83% a year rise in Wages So Central Government Employees are VERY SATISFIED INDEED and Very Happy Their wages have risen by an average of 15% a year, beating Inflation that has risen at 11.5% a year
因此，对于生活在一线城市的普通中产阶级家庭来说，2018年至2024年期间，中产阶级一篮子商品和服务的年通货膨胀率为11.56% 班加罗尔以13.83%的比例最高 接下来是海德拉巴，占比12.62% 德里（12.24%）位列第三 孟买排名第四，占比10.95% 金奈排名第五，占10.72% 加尔各答排名第六，支持率仅为8.91% 现在我们来看看同期工资和薪金的比例增长 让我们包括：- 印度政府C级，相当于邦政府级别，公共服务机构II级，私营部门10年经验 我们暂时排除个体经营者和自营企业，这意味着没有建筑师、医生或店主 我们将2018年包括津贴和福利在内的平均薪酬定为100 政府职位（中央政府） 2019年-114.44 2020年-126.85 2021年-150.71 2022年-168.78 2023年-208.94 2024年-229.29 这表明工资每年上涨14.83% 因此，中央政府公务员确实非常满意，非常高兴 他们的工资平均每年上涨15%，超过每年11.5%的通货膨胀率
Private Sector (IT Services - Class A/B Jobs) 2019 - 110.70 2020 - 120.86 2021 - 164.31 2022 - 179.85 2023 - 180.67 2024 - 191.27 This shows 11.41% a year rise in wages Especially a huge surge between 2020 & 2021/22 So IT Employees of Grade A/B (Those who earned a minimum of ₹ 9 LPA in 2018) are also pretty content Their wages have risen by around 11.41% a year matching inflation The last two years have been quite bad but still they don't feel the effects of inflation Now let's see the others :- Private Financial Services - 8.27% (Vs 11.60% Inflation) Retail Sector - 6.28% (Vs 11.60% Inflation) Tourism Sector - 5.97% (Versus 11.60% Inflation) Healthcare Sector - 10.19% (Versus 11.60% Inflation) Retail Sales Sector - 4.18% (Versus 11.60 % Inflation) Manufacturing Industry (Large Scale) - 6.22% (Versus 11.60% Inflation) Manufacturing Industry (Small Scale) - 4.82% (Versus 11.60% Inflation) Manufacturing Industry (Cottage) - 4.11% (Versus 11.60% Inflation) Aviation Services - 9.94% (Versus 11.60% Inflation) Low Grade Clerical (State Government of TN) - 8.78% (Versus 11.60% Inflation) Education Sector - 6.69% (Versus 11.60% Inflation) This as you can see MAJORITY OF THE MIDDLE CLASS EMPLOYEES have seen Inflation rise much higher than their salary growth In fact as you can see Tourism employees have seen their wages rise at half the pace of inflation They are getting POORER with time Especially in Manufacturing Industries where Salaries aren't rising nearly as fast as Inflation
私营部门（IT服务-A/B类工作） 2019年-110.70 2020年-120.86 2021年-164.31 2022年-179.85 2023年-180.67 2024年-191.27 这表明工资每年上涨11.41% 尤其是2020年至2021/22年之间的大幅增长 因此，A/B级IT员工（2018年收入至少为9LPA的人）也相当满意 他们的工资每年上涨约11.41%，与通货膨胀同步 过去两年情况相当糟糕，但他们仍然没有感受到通货膨胀的影响 现在让我们看看其他的：- 私人金融服务-8.27%（通胀率为11.60%） 零售业-6.28%（通胀率为11.60%） 旅游业-5.97%（通货膨胀率为11.60%） 医疗保健行业-10.19%（通货膨胀率为11.60%） 零售业-4.18%（通货膨胀率为11.60%） 制造业（大型）-6.22％（通货膨胀率为11.60％） 制造业（小规模）-4.82%（通货膨胀率为11.60%） 制造业（家庭手工业）-4.11%（通货膨胀率为11.60%） 航空服务——9.94%（通货膨胀率为11.60%） 低级文职人员（泰米尔德邦政府）-8.78%（通货膨胀率为11.60%） 教育部门——6.69%（通货膨胀率为11.60%） 正如你所看到的，大多数中产阶级员工的通货膨胀率远高于他们的工资增长 事实上，正如你所看到的，旅游业员工的工资增长速度只有通货膨胀速度的一半 随着时间的推移，他们变得越来越贫穷 特别是在制造业，工资上涨速度远不及通货膨胀率
Logically this makes sense given that Savings, Disposable Income and Wealth have all gone down for the Middle Class since 2018 As for the Top 1% , let's see the comparison in the last 6 years, side by side This is what I call INCOME AND WEALTH INEQUALITY Anyone defending the Thelawallah Predator should see that he has grown in wealth and disposable income by almost 4 times while you have remained stagnant if lucky or actually regressed financially So if you can see - it's mainly the Upper Middle Class or the Central Government Servants or IT Services Employees who earned more than ₹9 LPA in 2018 who are the Ambani fanboys and fangirls Who are Modi Devotees Who get annoyed when people talk of Inflation Not these Boys Its all going Sri Lanka's way or Pakistans way in the next two decades until someone wakes up and changes leadership at all levels It's pretty bad to be frank
从逻辑上讲，这是有道理的，因为自2018年以来，中产阶级的储蓄、可支配收入和财富都在下降 至于前1%，让我们并排看看过去6年的比较 这就是我所说的收入和财富不平等 任何为富人辩护的人都应该看到，他们的财富和可支配收入增长了近4倍，而你的财富却停滞不前，甚至在经济上出现倒退 因此，如果你能看到——2018年收入超过900万印度卢比的主要是上层中产阶级、中央政府公务员或IT服务员工，他们是安巴尼的狂热粉丝 谁是莫迪的忠实粉丝？ 当人们谈论通货膨胀时，谁会生气？ 不是这些人 未来二十年，一切都将按照斯里兰卡或巴基斯坦的方式发展，直到有人醒悟过来并更换各级领导层 坦白说，这很糟糕
虽然是免费文，但是可以看到KB爆料印度竞选债券的惊天大瓜。 敬请支持我的其他译文
@Kanthaswamy Balasubramaniam Independent Legal Banking Consultant at Self-EmploymentSat I typically incorporate a Middle Class Basket comprising of :- Food Housing (EMI or Rent) in a Tier 1 City Healthcare Premiums Energy (Gas and Electricity) Clothes & Communications Tuition / Education Transportation (Public) Transportation (Private) I then weight the basket giving 0.31 to Food and 0.23 to Healthcare and 0.19 to Education and Tuition - 73% to the Big Three and 27% to Clothes and Energy and Transportation I then set the value in 2004 to 100 to check the new weighted values in 2009, 2014,2019 and 2024 I get 214.24 in 2009, 300.33 in 2014, 391.88 in 2019 & 570.94 in 2024 June This means a Basket that cost ₹100/- in 2004 now costs ₹571/- in 2024 However this is flawed because in 2004 - Health Insurance was unheard of or was pretty rare unless by an Organization So let's set the value in 2014 to 100 and check the new weighted values 2019 - 187.66 2024 - 291.48 This means a Basket of Goods that cost ₹100/- in 2014 now costs ₹291.48/- Yet this is also flawed We didn't have cheap data in 2014 and not everyone had internet on their phones. Data was ₹651/- for 3 GB and that completely ruins the numbers If we take 50 GB a family - the mobile bill alone back in 2014 would be ₹9–11K a month Final Assignment:- So let's set the value in 2018 to 100 and check the new weighted values year by year 2019 - 106.32 2020 - 121.88 2021 - 134.27 2022 - 142.22 2023 - 150.98 2024 - 186.47 This is the most realistic and accurate representation of the numbers and this shows an Annual Inflation of this Basket at 10.95% a year However we have left out the Price of Gold Middle Class families buy Gold So if we include Gold with its 0.14 weightage and assign 100 in 2018 we get 2019 - 107.55 2020 - 119.95 2021- 132.77 2022 - 149.28 2023 - 160.36 2024 - 192.79 This shows an Inflation of around 11.56% a year India's annual GDP growth is only 8%, which means that India's economy has been in recession?
我通常会设计一个中产阶级篮子，包括： 食物 一线城市的住房（EMI或租金） 医疗保险费 能源（天然气和电力） 服装及通讯 学费/教育 交通（公共交通） 交通（私人） 然后，我对这个篮子进行加权，将0.31分配给食品，0.23分配给医疗保健，0.19分配给教育和学费-73%分配给三大类别，27%分配给服装、能源和交通 然后，我将2004年的值设置为100，以检查2009年、2014年、2019年和2024年的新加权值 我在2009年得到了214.24，2014年得到了300.33，2019年得到了391.88，2024年6月得到了570.94 这意味着2004年价格为100卢比的一篮子商品到2024年将上涨至571卢比 然而，这是有缺陷的，因为在2004年，健康保险是闻所未闻的，或者说非常罕见，除非由组织 因此，我们将2014年的值设置为100，并检查新的加权值 2019年-187.66 2024年-291.48 这意味着2014年价格为100卢比的一篮子商品现在售价为291.48卢比 但这也是有缺陷的 2014年，我们没有便宜的数据，也不是每个人都有手机上网。3GB的数据要651卢比，这完全毁了数据 如果每个家庭使用50GB，那么2014年每月的移动费用就高达9-11K卢比 最终作业： 因此，我们将2018年的值设置为100，并逐年检查新的加权值 2019年-106.32 2020年-121.88 2021年-134.27 2022年-142.22 2023年-150.98 2024年-186.47 这是最现实、最准确的数字表示，表明该篮子的年通胀率为10.95% 然而，我们忽略了黄金价格 中产阶级家庭购买黄金 因此，如果我们将黄金的权重设为0.14，并在2018年分配100，则得到 2019年-107.55 2020年-119.95 2021年-132.77 2022年-149.28 2023年-160.36 2024年-192.79 这表明年通货膨胀率约为11.56% 而印度每年的GDP增长仅有8%，这意味着印度的经济一直在衰退？
So to an Average Middle Class family living in a Tier 1 City - the Annual Inflation between 2018–2024 has been 11.56% a year on the Middle Class Basket of Goods and Services Bangalore with 13.83% is the highest Hyderabad with 12.62% is next Delhi (12.24%) comes Third Mumbai is fourth with 10.95% Chennai is fifth with 10.72% Kolkata is sixth with a mere 8.91% Now let's see the proportional rise in wages and salaries in the same period Let's include :- Grade C Government of India, Equivalent Grade in State Governments, Scale II in PSBs and 10 year experience in the Private Sector Let's exclude Self Employed & Own Business for the moment which means No Architects, Doctors or Shopkeepers Let's weight the Average Remuneration including allowances and perks at 100 in 2018 Government Jobs (Central Govt) 2019 - 114.44 2020 - 126.85 2021 - 150.71 2022 - 168.78 2023 - 208.94 2024 - 229.29 This shows a 14.83% a year rise in Wages So Central Government Employees are VERY SATISFIED INDEED and Very Happy Their wages have risen by an average of 15% a year, beating Inflation that has risen at 11.5% a year
因此，对于生活在一线城市的普通中产阶级家庭来说，2018年至2024年期间，中产阶级一篮子商品和服务的年通货膨胀率为11.56% 班加罗尔以13.83%的比例最高 接下来是海德拉巴，占比12.62% 德里（12.24%）位列第三 孟买排名第四，占比10.95% 金奈排名第五，占10.72% 加尔各答排名第六，支持率仅为8.91% 现在我们来看看同期工资和薪金的比例增长 让我们包括：- 印度政府C级，相当于邦政府级别，公共服务机构II级，私营部门10年经验 我们暂时排除个体经营者和自营企业，这意味着没有建筑师、医生或店主 我们将2018年包括津贴和福利在内的平均薪酬定为100 政府职位（中央政府） 2019年-114.44 2020年-126.85 2021年-150.71 2022年-168.78 2023年-208.94 2024年-229.29 这表明工资每年上涨14.83% 因此，中央政府公务员确实非常满意，非常高兴 他们的工资平均每年上涨15%，超过每年11.5%的通货膨胀率
Private Sector (IT Services - Class A/B Jobs) 2019 - 110.70 2020 - 120.86 2021 - 164.31 2022 - 179.85 2023 - 180.67 2024 - 191.27 This shows 11.41% a year rise in wages Especially a huge surge between 2020 & 2021/22 So IT Employees of Grade A/B (Those who earned a minimum of ₹ 9 LPA in 2018) are also pretty content Their wages have risen by around 11.41% a year matching inflation The last two years have been quite bad but still they don't feel the effects of inflation Now let's see the others :- Private Financial Services - 8.27% (Vs 11.60% Inflation) Retail Sector - 6.28% (Vs 11.60% Inflation) Tourism Sector - 5.97% (Versus 11.60% Inflation) Healthcare Sector - 10.19% (Versus 11.60% Inflation) Retail Sales Sector - 4.18% (Versus 11.60 % Inflation) Manufacturing Industry (Large Scale) - 6.22% (Versus 11.60% Inflation) Manufacturing Industry (Small Scale) - 4.82% (Versus 11.60% Inflation) Manufacturing Industry (Cottage) - 4.11% (Versus 11.60% Inflation) Aviation Services - 9.94% (Versus 11.60% Inflation) Low Grade Clerical (State Government of TN) - 8.78% (Versus 11.60% Inflation) Education Sector - 6.69% (Versus 11.60% Inflation) This as you can see MAJORITY OF THE MIDDLE CLASS EMPLOYEES have seen Inflation rise much higher than their salary growth In fact as you can see Tourism employees have seen their wages rise at half the pace of inflation They are getting POORER with time Especially in Manufacturing Industries where Salaries aren't rising nearly as fast as Inflation
私营部门（IT服务-A/B类工作） 2019年-110.70 2020年-120.86 2021年-164.31 2022年-179.85 2023年-180.67 2024年-191.27 这表明工资每年上涨11.41% 尤其是2020年至2021/22年之间的大幅增长 因此，A/B级IT员工（2018年收入至少为9LPA的人）也相当满意 他们的工资每年上涨约11.41%，与通货膨胀同步 过去两年情况相当糟糕，但他们仍然没有感受到通货膨胀的影响 现在让我们看看其他的：- 私人金融服务-8.27%（通胀率为11.60%） 零售业-6.28%（通胀率为11.60%） 旅游业-5.97%（通货膨胀率为11.60%） 医疗保健行业-10.19%（通货膨胀率为11.60%） 零售业-4.18%（通货膨胀率为11.60%） 制造业（大型）-6.22％（通货膨胀率为11.60％） 制造业（小规模）-4.82%（通货膨胀率为11.60%） 制造业（家庭手工业）-4.11%（通货膨胀率为11.60%） 航空服务——9.94%（通货膨胀率为11.60%） 低级文职人员（泰米尔德邦政府）-8.78%（通货膨胀率为11.60%） 教育部门——6.69%（通货膨胀率为11.60%） 正如你所看到的，大多数中产阶级员工的通货膨胀率远高于他们的工资增长 事实上，正如你所看到的，旅游业员工的工资增长速度只有通货膨胀速度的一半 随着时间的推移，他们变得越来越贫穷 特别是在制造业，工资上涨速度远不及通货膨胀率
Logically this makes sense given that Savings, Disposable Income and Wealth have all gone down for the Middle Class since 2018 As for the Top 1% , let's see the comparison in the last 6 years, side by side This is what I call INCOME AND WEALTH INEQUALITY Anyone defending the Thelawallah Predator should see that he has grown in wealth and disposable income by almost 4 times while you have remained stagnant if lucky or actually regressed financially So if you can see - it's mainly the Upper Middle Class or the Central Government Servants or IT Services Employees who earned more than ₹9 LPA in 2018 who are the Ambani fanboys and fangirls Who are Modi Devotees Who get annoyed when people talk of Inflation Not these Boys Its all going Sri Lanka's way or Pakistans way in the next two decades until someone wakes up and changes leadership at all levels It's pretty bad to be frank
从逻辑上讲，这是有道理的，因为自2018年以来，中产阶级的储蓄、可支配收入和财富都在下降 至于前1%，让我们并排看看过去6年的比较 这就是我所说的收入和财富不平等 任何为富人辩护的人都应该看到，他们的财富和可支配收入增长了近4倍，而你的财富却停滞不前，甚至在经济上出现倒退 因此，如果你能看到——2018年收入超过900万印度卢比的主要是上层中产阶级、中央政府公务员或IT服务员工，他们是安巴尼的狂热粉丝 谁是莫迪的忠实粉丝？ 当人们谈论通货膨胀时，谁会生气？ 不是这些人 未来二十年，一切都将按照斯里兰卡或巴基斯坦的方式发展，直到有人醒悟过来并更换各级领导层 坦白说，这很糟糕
评论翻译
虽然是免费文，但是可以看到KB爆料印度竞选债券的惊天大瓜。 敬请支持我的其他译文
@Kanthaswamy Balasubramaniam Independent Legal Banking Consultant at Self-EmploymentSat I typically incorporate a Middle Class Basket comprising of :- Food Housing (EMI or Rent) in a Tier 1 City Healthcare Premiums Energy (Gas and Electricity) Clothes & Communications Tuition / Education Transportation (Public) Transportation (Private) I then weight the basket giving 0.31 to Food and 0.23 to Healthcare and 0.19 to Education and Tuition - 73% to the Big Three and 27% to Clothes and Energy and Transportation I then set the value in 2004 to 100 to check the new weighted values in 2009, 2014,2019 and 2024 I get 214.24 in 2009, 300.33 in 2014, 391.88 in 2019 & 570.94 in 2024 June This means a Basket that cost ₹100/- in 2004 now costs ₹571/- in 2024 However this is flawed because in 2004 - Health Insurance was unheard of or was pretty rare unless by an Organization So let's set the value in 2014 to 100 and check the new weighted values 2019 - 187.66 2024 - 291.48 This means a Basket of Goods that cost ₹100/- in 2014 now costs ₹291.48/- Yet this is also flawed We didn't have cheap data in 2014 and not everyone had internet on their phones. Data was ₹651/- for 3 GB and that completely ruins the numbers If we take 50 GB a family - the mobile bill alone back in 2014 would be ₹9–11K a month Final Assignment:- So let's set the value in 2018 to 100 and check the new weighted values year by year 2019 - 106.32 2020 - 121.88 2021 - 134.27 2022 - 142.22 2023 - 150.98 2024 - 186.47 This is the most realistic and accurate representation of the numbers and this shows an Annual Inflation of this Basket at 10.95% a year However we have left out the Price of Gold Middle Class families buy Gold So if we include Gold with its 0.14 weightage and assign 100 in 2018 we get 2019 - 107.55 2020 - 119.95 2021- 132.77 2022 - 149.28 2023 - 160.36 2024 - 192.79 This shows an Inflation of around 11.56% a year India's annual GDP growth is only 8%, which means that India's economy has been in recession?
我通常会设计一个中产阶级篮子，包括： 食物 一线城市的住房（EMI或租金） 医疗保险费 能源（天然气和电力） 服装及通讯 学费/教育 交通（公共交通） 交通（私人） 然后，我对这个篮子进行加权，将0.31分配给食品，0.23分配给医疗保健，0.19分配给教育和学费-73%分配给三大类别，27%分配给服装、能源和交通 然后，我将2004年的值设置为100，以检查2009年、2014年、2019年和2024年的新加权值 我在2009年得到了214.24，2014年得到了300.33，2019年得到了391.88，2024年6月得到了570.94 这意味着2004年价格为100卢比的一篮子商品到2024年将上涨至571卢比 然而，这是有缺陷的，因为在2004年，健康保险是闻所未闻的，或者说非常罕见，除非由组织 因此，我们将2014年的值设置为100，并检查新的加权值 2019年-187.66 2024年-291.48 这意味着2014年价格为100卢比的一篮子商品现在售价为291.48卢比 但这也是有缺陷的 2014年，我们没有便宜的数据，也不是每个人都有手机上网。3GB的数据要651卢比，这完全毁了数据 如果每个家庭使用50GB，那么2014年每月的移动费用就高达9-11K卢比 最终作业： 因此，我们将2018年的值设置为100，并逐年检查新的加权值 2019年-106.32 2020年-121.88 2021年-134.27 2022年-142.22 2023年-150.98 2024年-186.47 这是最现实、最准确的数字表示，表明该篮子的年通胀率为10.95% 然而，我们忽略了黄金价格 中产阶级家庭购买黄金 因此，如果我们将黄金的权重设为0.14，并在2018年分配100，则得到 2019年-107.55 2020年-119.95 2021年-132.77 2022年-149.28 2023年-160.36 2024年-192.79 这表明年通货膨胀率约为11.56% 而印度每年的GDP增长仅有8%，这意味着印度的经济一直在衰退？
So to an Average Middle Class family living in a Tier 1 City - the Annual Inflation between 2018–2024 has been 11.56% a year on the Middle Class Basket of Goods and Services Bangalore with 13.83% is the highest Hyderabad with 12.62% is next Delhi (12.24%) comes Third Mumbai is fourth with 10.95% Chennai is fifth with 10.72% Kolkata is sixth with a mere 8.91% Now let's see the proportional rise in wages and salaries in the same period Let's include :- Grade C Government of India, Equivalent Grade in State Governments, Scale II in PSBs and 10 year experience in the Private Sector Let's exclude Self Employed & Own Business for the moment which means No Architects, Doctors or Shopkeepers Let's weight the Average Remuneration including allowances and perks at 100 in 2018 Government Jobs (Central Govt) 2019 - 114.44 2020 - 126.85 2021 - 150.71 2022 - 168.78 2023 - 208.94 2024 - 229.29 This shows a 14.83% a year rise in Wages So Central Government Employees are VERY SATISFIED INDEED and Very Happy Their wages have risen by an average of 15% a year, beating Inflation that has risen at 11.5% a year
因此，对于生活在一线城市的普通中产阶级家庭来说，2018年至2024年期间，中产阶级一篮子商品和服务的年通货膨胀率为11.56% 班加罗尔以13.83%的比例最高 接下来是海德拉巴，占比12.62% 德里（12.24%）位列第三 孟买排名第四，占比10.95% 金奈排名第五，占10.72% 加尔各答排名第六，支持率仅为8.91% 现在我们来看看同期工资和薪金的比例增长 让我们包括：- 印度政府C级，相当于邦政府级别，公共服务机构II级，私营部门10年经验 我们暂时排除个体经营者和自营企业，这意味着没有建筑师、医生或店主 我们将2018年包括津贴和福利在内的平均薪酬定为100 政府职位（中央政府） 2019年-114.44 2020年-126.85 2021年-150.71 2022年-168.78 2023年-208.94 2024年-229.29 这表明工资每年上涨14.83% 因此，中央政府公务员确实非常满意，非常高兴 他们的工资平均每年上涨15%，超过每年11.5%的通货膨胀率
Private Sector (IT Services - Class A/B Jobs) 2019 - 110.70 2020 - 120.86 2021 - 164.31 2022 - 179.85 2023 - 180.67 2024 - 191.27 This shows 11.41% a year rise in wages Especially a huge surge between 2020 & 2021/22 So IT Employees of Grade A/B (Those who earned a minimum of ₹ 9 LPA in 2018) are also pretty content Their wages have risen by around 11.41% a year matching inflation The last two years have been quite bad but still they don't feel the effects of inflation Now let's see the others :- Private Financial Services - 8.27% (Vs 11.60% Inflation) Retail Sector - 6.28% (Vs 11.60% Inflation) Tourism Sector - 5.97% (Versus 11.60% Inflation) Healthcare Sector - 10.19% (Versus 11.60% Inflation) Retail Sales Sector - 4.18% (Versus 11.60 % Inflation) Manufacturing Industry (Large Scale) - 6.22% (Versus 11.60% Inflation) Manufacturing Industry (Small Scale) - 4.82% (Versus 11.60% Inflation) Manufacturing Industry (Cottage) - 4.11% (Versus 11.60% Inflation) Aviation Services - 9.94% (Versus 11.60% Inflation) Low Grade Clerical (State Government of TN) - 8.78% (Versus 11.60% Inflation) Education Sector - 6.69% (Versus 11.60% Inflation) This as you can see MAJORITY OF THE MIDDLE CLASS EMPLOYEES have seen Inflation rise much higher than their salary growth In fact as you can see Tourism employees have seen their wages rise at half the pace of inflation They are getting POORER with time Especially in Manufacturing Industries where Salaries aren't rising nearly as fast as Inflation
私营部门（IT服务-A/B类工作） 2019年-110.70 2020年-120.86 2021年-164.31 2022年-179.85 2023年-180.67 2024年-191.27 这表明工资每年上涨11.41% 尤其是2020年至2021/22年之间的大幅增长 因此，A/B级IT员工（2018年收入至少为9LPA的人）也相当满意 他们的工资每年上涨约11.41%，与通货膨胀同步 过去两年情况相当糟糕，但他们仍然没有感受到通货膨胀的影响 现在让我们看看其他的：- 私人金融服务-8.27%（通胀率为11.60%） 零售业-6.28%（通胀率为11.60%） 旅游业-5.97%（通货膨胀率为11.60%） 医疗保健行业-10.19%（通货膨胀率为11.60%） 零售业-4.18%（通货膨胀率为11.60%） 制造业（大型）-6.22％（通货膨胀率为11.60％） 制造业（小规模）-4.82%（通货膨胀率为11.60%） 制造业（家庭手工业）-4.11%（通货膨胀率为11.60%） 航空服务——9.94%（通货膨胀率为11.60%） 低级文职人员（泰米尔德邦政府）-8.78%（通货膨胀率为11.60%） 教育部门——6.69%（通货膨胀率为11.60%） 正如你所看到的，大多数中产阶级员工的通货膨胀率远高于他们的工资增长 事实上，正如你所看到的，旅游业员工的工资增长速度只有通货膨胀速度的一半 随着时间的推移，他们变得越来越贫穷 特别是在制造业，工资上涨速度远不及通货膨胀率
Logically this makes sense given that Savings, Disposable Income and Wealth have all gone down for the Middle Class since 2018 As for the Top 1% , let's see the comparison in the last 6 years, side by side This is what I call INCOME AND WEALTH INEQUALITY Anyone defending the Thelawallah Predator should see that he has grown in wealth and disposable income by almost 4 times while you have remained stagnant if lucky or actually regressed financially So if you can see - it's mainly the Upper Middle Class or the Central Government Servants or IT Services Employees who earned more than ₹9 LPA in 2018 who are the Ambani fanboys and fangirls Who are Modi Devotees Who get annoyed when people talk of Inflation Not these Boys Its all going Sri Lanka's way or Pakistans way in the next two decades until someone wakes up and changes leadership at all levels It's pretty bad to be frank
从逻辑上讲，这是有道理的，因为自2018年以来，中产阶级的储蓄、可支配收入和财富都在下降 至于前1%，让我们并排看看过去6年的比较 这就是我所说的收入和财富不平等 任何为富人辩护的人都应该看到，他们的财富和可支配收入增长了近4倍，而你的财富却停滞不前，甚至在经济上出现倒退 因此，如果你能看到——2018年收入超过900万印度卢比的主要是上层中产阶级、中央政府公务员或IT服务员工，他们是安巴尼的狂热粉丝 谁是莫迪的忠实粉丝？ 当人们谈论通货膨胀时，谁会生气？ 不是这些人 未来二十年，一切都将按照斯里兰卡或巴基斯坦的方式发展，直到有人醒悟过来并更换各级领导层 坦白说，这很糟糕
虽然是免费文，但是可以看到KB爆料印度竞选债券的惊天大瓜。 敬请支持我的其他译文
@Kanthaswamy Balasubramaniam Independent Legal Banking Consultant at Self-EmploymentSat I typically incorporate a Middle Class Basket comprising of :- Food Housing (EMI or Rent) in a Tier 1 City Healthcare Premiums Energy (Gas and Electricity) Clothes & Communications Tuition / Education Transportation (Public) Transportation (Private) I then weight the basket giving 0.31 to Food and 0.23 to Healthcare and 0.19 to Education and Tuition - 73% to the Big Three and 27% to Clothes and Energy and Transportation I then set the value in 2004 to 100 to check the new weighted values in 2009, 2014,2019 and 2024 I get 214.24 in 2009, 300.33 in 2014, 391.88 in 2019 & 570.94 in 2024 June This means a Basket that cost ₹100/- in 2004 now costs ₹571/- in 2024 However this is flawed because in 2004 - Health Insurance was unheard of or was pretty rare unless by an Organization So let's set the value in 2014 to 100 and check the new weighted values 2019 - 187.66 2024 - 291.48 This means a Basket of Goods that cost ₹100/- in 2014 now costs ₹291.48/- Yet this is also flawed We didn't have cheap data in 2014 and not everyone had internet on their phones. Data was ₹651/- for 3 GB and that completely ruins the numbers If we take 50 GB a family - the mobile bill alone back in 2014 would be ₹9–11K a month Final Assignment:- So let's set the value in 2018 to 100 and check the new weighted values year by year 2019 - 106.32 2020 - 121.88 2021 - 134.27 2022 - 142.22 2023 - 150.98 2024 - 186.47 This is the most realistic and accurate representation of the numbers and this shows an Annual Inflation of this Basket at 10.95% a year However we have left out the Price of Gold Middle Class families buy Gold So if we include Gold with its 0.14 weightage and assign 100 in 2018 we get 2019 - 107.55 2020 - 119.95 2021- 132.77 2022 - 149.28 2023 - 160.36 2024 - 192.79 This shows an Inflation of around 11.56% a year India's annual GDP growth is only 8%, which means that India's economy has been in recession?
我通常会设计一个中产阶级篮子，包括： 食物 一线城市的住房（EMI或租金） 医疗保险费 能源（天然气和电力） 服装及通讯 学费/教育 交通（公共交通） 交通（私人） 然后，我对这个篮子进行加权，将0.31分配给食品，0.23分配给医疗保健，0.19分配给教育和学费-73%分配给三大类别，27%分配给服装、能源和交通 然后，我将2004年的值设置为100，以检查2009年、2014年、2019年和2024年的新加权值 我在2009年得到了214.24，2014年得到了300.33，2019年得到了391.88，2024年6月得到了570.94 这意味着2004年价格为100卢比的一篮子商品到2024年将上涨至571卢比 然而，这是有缺陷的，因为在2004年，健康保险是闻所未闻的，或者说非常罕见，除非由组织 因此，我们将2014年的值设置为100，并检查新的加权值 2019年-187.66 2024年-291.48 这意味着2014年价格为100卢比的一篮子商品现在售价为291.48卢比 但这也是有缺陷的 2014年，我们没有便宜的数据，也不是每个人都有手机上网。3GB的数据要651卢比，这完全毁了数据 如果每个家庭使用50GB，那么2014年每月的移动费用就高达9-11K卢比 最终作业： 因此，我们将2018年的值设置为100，并逐年检查新的加权值 2019年-106.32 2020年-121.88 2021年-134.27 2022年-142.22 2023年-150.98 2024年-186.47 这是最现实、最准确的数字表示，表明该篮子的年通胀率为10.95% 然而，我们忽略了黄金价格 中产阶级家庭购买黄金 因此，如果我们将黄金的权重设为0.14，并在2018年分配100，则得到 2019年-107.55 2020年-119.95 2021年-132.77 2022年-149.28 2023年-160.36 2024年-192.79 这表明年通货膨胀率约为11.56% 而印度每年的GDP增长仅有8%，这意味着印度的经济一直在衰退？
So to an Average Middle Class family living in a Tier 1 City - the Annual Inflation between 2018–2024 has been 11.56% a year on the Middle Class Basket of Goods and Services Bangalore with 13.83% is the highest Hyderabad with 12.62% is next Delhi (12.24%) comes Third Mumbai is fourth with 10.95% Chennai is fifth with 10.72% Kolkata is sixth with a mere 8.91% Now let's see the proportional rise in wages and salaries in the same period Let's include :- Grade C Government of India, Equivalent Grade in State Governments, Scale II in PSBs and 10 year experience in the Private Sector Let's exclude Self Employed & Own Business for the moment which means No Architects, Doctors or Shopkeepers Let's weight the Average Remuneration including allowances and perks at 100 in 2018 Government Jobs (Central Govt) 2019 - 114.44 2020 - 126.85 2021 - 150.71 2022 - 168.78 2023 - 208.94 2024 - 229.29 This shows a 14.83% a year rise in Wages So Central Government Employees are VERY SATISFIED INDEED and Very Happy Their wages have risen by an average of 15% a year, beating Inflation that has risen at 11.5% a year
因此，对于生活在一线城市的普通中产阶级家庭来说，2018年至2024年期间，中产阶级一篮子商品和服务的年通货膨胀率为11.56% 班加罗尔以13.83%的比例最高 接下来是海德拉巴，占比12.62% 德里（12.24%）位列第三 孟买排名第四，占比10.95% 金奈排名第五，占10.72% 加尔各答排名第六，支持率仅为8.91% 现在我们来看看同期工资和薪金的比例增长 让我们包括：- 印度政府C级，相当于邦政府级别，公共服务机构II级，私营部门10年经验 我们暂时排除个体经营者和自营企业，这意味着没有建筑师、医生或店主 我们将2018年包括津贴和福利在内的平均薪酬定为100 政府职位（中央政府） 2019年-114.44 2020年-126.85 2021年-150.71 2022年-168.78 2023年-208.94 2024年-229.29 这表明工资每年上涨14.83% 因此，中央政府公务员确实非常满意，非常高兴 他们的工资平均每年上涨15%，超过每年11.5%的通货膨胀率
Private Sector (IT Services - Class A/B Jobs) 2019 - 110.70 2020 - 120.86 2021 - 164.31 2022 - 179.85 2023 - 180.67 2024 - 191.27 This shows 11.41% a year rise in wages Especially a huge surge between 2020 & 2021/22 So IT Employees of Grade A/B (Those who earned a minimum of ₹ 9 LPA in 2018) are also pretty content Their wages have risen by around 11.41% a year matching inflation The last two years have been quite bad but still they don't feel the effects of inflation Now let's see the others :- Private Financial Services - 8.27% (Vs 11.60% Inflation) Retail Sector - 6.28% (Vs 11.60% Inflation) Tourism Sector - 5.97% (Versus 11.60% Inflation) Healthcare Sector - 10.19% (Versus 11.60% Inflation) Retail Sales Sector - 4.18% (Versus 11.60 % Inflation) Manufacturing Industry (Large Scale) - 6.22% (Versus 11.60% Inflation) Manufacturing Industry (Small Scale) - 4.82% (Versus 11.60% Inflation) Manufacturing Industry (Cottage) - 4.11% (Versus 11.60% Inflation) Aviation Services - 9.94% (Versus 11.60% Inflation) Low Grade Clerical (State Government of TN) - 8.78% (Versus 11.60% Inflation) Education Sector - 6.69% (Versus 11.60% Inflation) This as you can see MAJORITY OF THE MIDDLE CLASS EMPLOYEES have seen Inflation rise much higher than their salary growth In fact as you can see Tourism employees have seen their wages rise at half the pace of inflation They are getting POORER with time Especially in Manufacturing Industries where Salaries aren't rising nearly as fast as Inflation
私营部门（IT服务-A/B类工作） 2019年-110.70 2020年-120.86 2021年-164.31 2022年-179.85 2023年-180.67 2024年-191.27 这表明工资每年上涨11.41% 尤其是2020年至2021/22年之间的大幅增长 因此，A/B级IT员工（2018年收入至少为9LPA的人）也相当满意 他们的工资每年上涨约11.41%，与通货膨胀同步 过去两年情况相当糟糕，但他们仍然没有感受到通货膨胀的影响 现在让我们看看其他的：- 私人金融服务-8.27%（通胀率为11.60%） 零售业-6.28%（通胀率为11.60%） 旅游业-5.97%（通货膨胀率为11.60%） 医疗保健行业-10.19%（通货膨胀率为11.60%） 零售业-4.18%（通货膨胀率为11.60%） 制造业（大型）-6.22％（通货膨胀率为11.60％） 制造业（小规模）-4.82%（通货膨胀率为11.60%） 制造业（家庭手工业）-4.11%（通货膨胀率为11.60%） 航空服务——9.94%（通货膨胀率为11.60%） 低级文职人员（泰米尔德邦政府）-8.78%（通货膨胀率为11.60%） 教育部门——6.69%（通货膨胀率为11.60%） 正如你所看到的，大多数中产阶级员工的通货膨胀率远高于他们的工资增长 事实上，正如你所看到的，旅游业员工的工资增长速度只有通货膨胀速度的一半 随着时间的推移，他们变得越来越贫穷 特别是在制造业，工资上涨速度远不及通货膨胀率
Logically this makes sense given that Savings, Disposable Income and Wealth have all gone down for the Middle Class since 2018 As for the Top 1% , let's see the comparison in the last 6 years, side by side This is what I call INCOME AND WEALTH INEQUALITY Anyone defending the Thelawallah Predator should see that he has grown in wealth and disposable income by almost 4 times while you have remained stagnant if lucky or actually regressed financially So if you can see - it's mainly the Upper Middle Class or the Central Government Servants or IT Services Employees who earned more than ₹9 LPA in 2018 who are the Ambani fanboys and fangirls Who are Modi Devotees Who get annoyed when people talk of Inflation Not these Boys Its all going Sri Lanka's way or Pakistans way in the next two decades until someone wakes up and changes leadership at all levels It's pretty bad to be frank
从逻辑上讲，这是有道理的，因为自2018年以来，中产阶级的储蓄、可支配收入和财富都在下降 至于前1%，让我们并排看看过去6年的比较 这就是我所说的收入和财富不平等 任何为富人辩护的人都应该看到，他们的财富和可支配收入增长了近4倍，而你的财富却停滞不前，甚至在经济上出现倒退 因此，如果你能看到——2018年收入超过900万印度卢比的主要是上层中产阶级、中央政府公务员或IT服务员工，他们是安巴尼的狂热粉丝 谁是莫迪的忠实粉丝？ 当人们谈论通货膨胀时，谁会生气？ 不是这些人 未来二十年，一切都将按照斯里兰卡或巴基斯坦的方式发展，直到有人醒悟过来并更换各级领导层 坦白说，这很糟糕
很赞 22
收藏