Links
– 🔓 3 DAY Unlock All UPSC Courses- https://unacademy.com/subscription/free-trial?referral_code=mrunal.org&goal_uid=KSCGY
– 💾 PPT download (Mon-Night) https://unacademy.com/content/upsc/mrunal-patel/
– 👩🏻‍🏫 5th Jan se Win26 series https://unacademy.com/class/mrunals-win26-economy-pill1-rbi-banking-upi-bitcoin/HF65PKYC
– 🎁 8th Sunday Mock Test on Budget – https://unacademy.com/scholarship/UCSC

Timestamps
00:00 – Budget hides Finance Commission
00:40 – Vertical devolution at 41%
01:20 – Horizontal formula- 15th vs 16th FC
02:40 – Income Distance 42.5%
04:10 – Population weight increased
05:40 – Demographic Performance 10%
07:00 – Area & Forest criteria changes
08:30 – New GDP Contribution criterion
10:20 – Southern & industrial states gain
12:00 – Northern states share drop
13:40 – Top 5 states still same
15:10 – Tax Effort criterion removed
16:20 – Grants for local bodies
17:50 – Why UTs not included
19:10 – Unacademy courses unlocked
21:40 – Annual Economic Win26

In this detailed lecture, renowned UPSC Economy expert Dr. Mrunal Patel breaks down the 16th Finance Commission’s key recommendations on tax devolution, tabled with the Union Budget 2026. The vertical devolution remains fixed at 41% of the divisible pool of central taxes to states (same as 15th FC led by NK Singh and continued under Arvind Panagariya’s 16th FC). However, major changes in the horizontal devolution formula have shifted allocations.

Dr. Mrunal explains why populous poorer states like Uttar Pradesh, Bihar, Madhya Pradesh, Rajasthan etc. will see a relative decrease in their percentage share, while coastal-industrial states like Gujarat, Maharashtra, Karnataka, Andhra Pradesh, Tamil Nadu gain more. The lecture covers:

– What is vertical vs horizontal tax devolution?
– Constitutional basis (Article 280 & 281)
– Why Finance Commission reports get buried under Budget news
– Detailed comparison of 15th vs 16th FC criteria and weights

Key changes in horizontal devolution criteria:
– Income Distance (poverty proxy / per capita GSDP distance): Reduced from 45% to 42.5%
– Population (2011 Census): Increased from 15% to 17.5%
– Demographic Performance (reward for population control / lower TFR): Reduced from 12.5% to 10%
– Area: Reduced from 15% to 10%
– Forest & Ecology: Retained at 10%
– New criterion: Contribution to GDP (efficiency / state’s share in national GDP): Introduced at 10%
– Tax Effort: Completely removed (previously 2.5%)

This shift rewards efficiency and economic contribution, addressing long-standing demands from southern and industrialized states (IT, pharma, auto hubs in Tamil Nadu, Karnataka, Telangana, Andhra). Northern & central states with higher poverty, population and area lose relative share, though top recipients remain UP, Bihar, MP, West Bengal, Maharashtra due to combined population-area-poverty factors.

Dr. Mrunal also discusses:
– Grants-in-aid: No revenue deficit grants recommended; focus on local bodies (panchayats & municipalities), disaster management
– Additional 1.4 lakh crore grants announced in Budget for local bodies
– Why Union Territories (Delhi, Puducherry, J&K) are not in state devolution tables
– Remaining 59% stays with Centre; schemes & CSS decided by Finance Ministry

Perfect for UPSC CSE, SSC-CGL, State PSC, Banking (IBPS, RBI), CAPF, CDS, ACIO, APFC aspirants preparing Economy, Indian Polity, Federalism & Current Affairs. Understand fiscal federalism, north-south divide in resource sharing, and why southern states complain about population control penalty & demand rewards for performance.

This is part of Dr. Mrunal’s ongoing current affairs & budget analysis series. For full structured courses, annual Economic Current Affairs mega series (6-8 lectures with PPT handouts), mock tests & materials – all paid Unacademy courses are unlocked for limited time.

Register now using coupon code: Mrunal.org (one SIM one activation). Link in comments / description.

First free live lecture of Annual Economic CA series starts 5th February, 9 PM – don’t miss!

Join Dr. Mrunal Patel’s sessions for clear, exam-oriented Economy teaching. Subscribe for more UPSC-relevant budget & finance commission breakdowns.

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“Money” by Michael Jackson
Listen to Michael Jackson: https://MichaelJackson.lnk.to/_listenYD

Michael Jackson sought to criticize greed and excess on “Money,” a track from HIStory: Past, Present and Future—Book I punctuated by multiple bass lines and layers of Michael’s signature vocal harmonies.

Subscribe to the official Michael Jackson YouTube Channel: https://MichaelJackson.lnk.to/subscribeYD

Watch more Michael Jackson videos: https://MichaelJackson.lnk.to/_listenYC/youtube

Follow Michael Jackson:
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Spotify: https://MichaelJackson.lnk.to/_followYS/spotify

Chorus:
Anything, anything (Ah)
Anything for money
Would lie for you
Would die for you (Ah)
Even sell my soul to the devil
Anything, anything (Ah)
Anything for money (Ah, ah)
Would lie for you
Would die for you (Ah)
Even sell my soul to the devil

#MichaelJackson #Money #HIStory

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In this video I am explaining Facts About Bitcoin Cryptocurrency in Tamil this video only for educational purposes mic la sollu ( MLS )

MICLASOLLU BLOG SITE 👇👇

https://miclasollu.blogspot.com

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Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing

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————————KEY WORDS—————————

FACTS ABOUT BITCOIN, CRYPTOCURRENCY,
FACTS ABOUT BITCOIN in Tamil, CRYPTOCURRENCY in Tamil,

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📌 Road To 100k Subscribers📌

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🇱 🇮 🇰 🇪 

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🇸 🇺 🇧 🇸 🇨 🇷 🇮 🇧 🇪

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💕💕💕Tʜᴀɴᴋs Fᴏʀ Wᴀᴛᴄʜɪɴɢ💕💕💕

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If people do not have spending power, businesses will not invest, innovate, or hire. It really is that simple.

This video breaks down the real sequencing of growth and explains why politicians have got everything wrong. Pay rises aren’t the reward for growth; they are the precondition for it, because people without money to spend cannot ever drive the growth politicians crave.

Take a look at our poll below: https://www.youtube.com/post/UgkxjLmMkzQ1tvnI9xmK1EA190ijETK3su7O

Funding the Future event: https://www.eventbrite.com/e/funding-the-future-conference-tickets-1976575960907

00:00 — Growth myths and the “jam tomorrow” mistake
01:05 — Why living standards must come first
02:10 — The orthodox story politicians get wrong
03:20 — Spending, investment, and the real order of events
04:35 — Innovation needs upfront demand, not promises
05:45 — Purchasing power as the true driver of growth
07:00 — How insecurity kills demand and stalls the economy
08:10 — AI, productivity, and the false promise of jobless growth
09:25 — Concentrated wealth and collapsing spending power
10:40 — Why multiplier effects are breaking down
11:50 — The four forces locking in stagnation
13:00 — Redistribution as the new condition for growth
14:10 — The role of the state: income security and care
14:45 — Conclusion: dignity first, or permanent stagnation

TRANSCRIPT
A transcript for this video is available at: https://www.taxresearch.org.uk

IF YOU WANT TO WRITE TO YOUR MP ABOUT ISSUES IN THIS VIDEO
If you want to write a letter to your MP on the issues raised in this blog post, there is a ChatGPT prompt to assist you in doing so, with full instructions, here. https://www.taxresearch.org.uk/Blog/2025/06/20/chatgpt-prompt-for-a-letter-to-your-mp/

HOW TO SUPPORT US
Please consider donating: https://ko-fi.com/taxresearch

ABOUT RICHARD MURPHY
Richard Murphy is Emeritus Professor of Accounting Practice at Sheffield University Management School. He is director of Tax Research LLP and the author of the Funding the Future blog. His best-known book is ‘The Joy of Tax’.

This video was edited by Thomas Murphy.

RICHARD MURPHY ON BLUESKY:
https://bsky.app/profile/richardjmurphy.bsky.social

OR

ON MY BLOG: http://www.taxresearch.org.uk/Blog/

HIT SUBSCRIBE & GET NOTIFICATIONS
Subscribe and get notified of new videos released.
INTRODUCTION: https://www.youtube.com/watch?v=HdHsRPy3060

PLAYLISTS:

The Wealth Series

Ecenomics

Britain

Tax

MMT

Money

Climate Change

USA

Labour

The Trump Administration

#EconomicGrowth #LivingStandards #Redistribution #IncomeSecurity #DemandSideEconomics #PoliticalEconomy #UKPolitics #Neoliberalism #AIandWork #ProductivityMyths #WealthInequality #CostOfLiving #EconomicStagnation #CareEconomy #MinimumWage #TaxJustice #WealthTax #PublicInvestment #MultiplierEffect #JobSecurity #SocialStability #SustainableGrowth #EconomicReform #ProgressiveTaxation #FutureOfWork #Democracy #EconomicPolicy #FundingTheFuture #politicsofcare

Economic growth living standards income security redistribution AI and jobs productivity myth demand-led growth UK economy low pay inequality wealth tax taxing wealth politics of care stagnation multiplier effect Richard Murphy Funding the Future argues for fairer systems to rebuild trust boost resilience prosperity today and tomorrow together sustainably now

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Disclaimer: We are not SEBI registered. All the content (videos, comments, posts, community posts, live streaming, etc) of this channel is for educational and informational purposes only, Conduct your own due diligence, or consult a licensed financial advisor or broker before making any and all investment decision

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8 Aral sa Personal Finance na nagpabago sa buhay ko na sana makatulong din sayo. Kung gusto mo ng better financial life, mindset, budget, saving, side hustle, investing panuorin mo ito hanngang dulo.
Pinoy money tips

Chapters
00:00 Intro
00:22 Practice Delayed Gratification
01:33 I-Track ang Pera
03:34 Read Self-Improvement Books
05:20 Create Other Source of Income (If kaya)
06:52 Wag papadala sa mga Hype
08:47 Maximize Momentum
09:51 Your Finance Journey is Different
11:07 I-grow pa ang Pera

🎬 Need help promoting your business through animation?
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We create educational and marketing videos — no promises, no hype, just clear content. This is a creative service only and not an investment offer
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ALL VIDS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeFaaQVDZxkIIqg6WO__EeV8z
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PERSONAL FINANCE VIDS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeH2hiZt0LCHJzwN5UFOXFlF
INVESTMENT VIDS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeGDiqaWGq3h5cIKZ9mZmG4p
NEGOSYO VIDS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeHgFVsSWfK-WjXSjHgTSnMM
IPON TIPS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeE1Py0aDzTgBQUSd_diUQC-
PASSIVE INCOME VIDS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeHf7jHYf-LE4n_wNEcnvAUR
MOTIVATIONAL VIDS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeFlW_shZX-1Xpw2mgZhmxTn
BOOK REVIEWS: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeE9CpFtTCl0UvkUq9-hHf0a
CRYPTOCURRENCY: https://www.youtube.com/playlist?list=PL0Uk_A0lRJeEDmhKM2hLXuw0TrAbuKayl
‘=================================
DISCLAIMER:
This video discusses mindset, habits, tools, and educational frameworks. It does NOT promise guaranteed results or income. Outcomes depend on personal effort, skills, context, and decision-making. For educational purposes only.

Some links or products mentioned in this video may be affiliate links, and we may earn a commission or referral bonus if you use them — at no additional cost to you.
We only recommend products and services we personally believe can provide value.
The content in this video is accurate as of the posting date, but offers, rates, and platforms may change over time.
This content is for educational and informational purposes only, and is not intended as financial, investment, tax, or professional advice.
Always do your own research and consult with a licensed professional before making financial decisions.

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Stop Doing These 3 Mistakes If You Want Financial Stability 💰✨

Money is energy.

And unknowingly, we block it every day.
🚫 Mistake 1: Keeping old receipts
→ They hold past expenses & financial stress. Clear them.
🚫 Mistake 2: Keeping others’ visiting cards
→ You carry their financial energy, not yours. And, you share the financial energy with them.
🚫 Mistake 3: Folding currency notes
→ It symbolises disrespect & financial blockage.

✨ What to do instead?
• Keep your wallet clean
• Respect money
• Create space for abundance

Your finances don’t change by luck,
they change by habits + energy alignment 🌿

👉 Follow for powerful money shifts
👉 Save this to practice daily

[financial stability, money habits, abundance mindset, money energy, wealth tips, wallet cleansing, attract money, financial growth, prosperity, law of attraction]

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🔥 Watch The FULL Interview: “Explosive Crypto Price Prediction for 2026…”
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👉 FINANCIAL DISCLAIMER
This channel is intended to share tips and investment videos by experts. We DO NOT GIVE FINANCIAL ADVICE! Please consult a licensed financial advisor and do your own research before making any financial action.

FAIR-USE COPYRIGHT DISCLAIMER
Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, commenting, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational, or personal use tips the balance in favor of fair use.

#bitcoin #fredkrueger#ethereum

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I’ve been using Claude as my thinking partner to assist me with retirement planning, you can try Claude yourself here: http://clau.de/humphreyyang
#ClaudePartner

When does it make sense to stop saving for retirement? In this video I go over the safest and earliest time to retire using a framework you can use in your own life. Hope you enjoy!

Inspired by James Conole’s Video Here: https://www.youtube.com/watch?v=hUXROk_ulUc

🌟 Companion Website for Reviews and Resources: https://humphreysguide.com
👾 Join the free Discord Community: https://discord.gg/xJzsaGaaDE
🐪 Hump Days Newsletter ➭ https://humpdays.substack.com

WHO AM I?
Hello 👋 I’m Humphrey, I used to be a financial advisor, worked in gaming/tech, and started my own eCommerce business. I make practical, rational content on investing, personal finance, the news, and much more with a data-backed approach. My goal is to help you with financial literacy and creating wealth.

PS: I am no longer a current Financial Advisor, any investment commentary are my opinions only. Some of the links in this description are affiliate links that I do receive a commission for & they help support the channel!

SOCIALS:
* Second Channel: https://youtube.com/@hug
* Instagram: https://instagram.com/humphreytalks
* Twitter: https://twitter.com/humphreytalks
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⏱️ Timestamps:
0:00 – Start Here
2:17 – Case Study
9:05 – Coast FIRE
10:57 – What To Do With Savings
12:06 – Financial Fundamentals
13:18 – Psychological Factors

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