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This will be a long post and require a lot of patience to read,,, Just think about the years 2001-2007 , where IT job was a top pick among Indian graduates due to various reason : Quick money (onsite at USA and other countries) 15-20 % CAGR wage hike every year Companies were getting big deals due to cheap cost advantage over other countries If somebody was losing job , he was trying and getting it in few days with other firm with high CTC J . Now tell me guys does this things hold true in these years in higher probability. I know answer would be NO. In IT your salary is directly proportional to billing rate from customer and we all are cyber coolie.Now a days India is not enjoying any cost advantage while  comparing countries like Brazil,Philippines,China(slow but coming days competition will be more) etc.Even Indian big IT giants realizing that and already set up development centers in china. ex: Infosys .Hence day by day billing rate is decreasing and th...

This story is about a farmer who received a calf from a rich man. Hopeful that the calf will be able to help him have a better life, the farmer did his best to take care of it. But as the calf grew, so did the farmer’s expenses. One day, he said to himself, “I don’t want to wait anymore for this calf to become an ox. I’ll just sell it and buy several sheep which are easier and much cheaper to take care of.”And so he did just that. After several months, he realized that breeding sheep were not as easy as he thought. And so he said to himself, “It takes too long for these sheep to give birth. I better just sell them and buy myself several hens which can lay eggs for me every day.”And so he did just that.The plan worked very well, he was earning good from selling all the eggs. Life improved for the farmer. But after several months, the hens started to lay less and less eggs until one day, the hens couldn’t produce anymore. The farmer was devastated. In his anger, he cooked a...

Wow!!! No money still you can invest in stock market ……. Can that be possible……. We have never thought of…… How come that possible??????   Is Abinash getting mad!!!! Yes, guys I know like this lot of questions will come to your mind …… J But yes that is possible…… I am reiterating my words again J You may be a student, businessman or street beggar, still you can invest in stock market without having a single paisa with you ….. J How?????? I will tell you ….but before that I want from you below 3 things: Patience Zeal to learn and earn Discipline in your approach If you don’t have all of the above, then you can refrain yourself from reading this blog! Probably this is not a blog for you!!! So guys , are you all set …. J Let me start: Suppose you are a student and you want to invest in stock market ….. Now your age is somewhere between 12- 15 and you are in standard 6 th or 8 th . Take a notebook which you...

Before investing in balanced fund we need to know what balanced fund is. Balanced fund invests in both debt and equity (stocks). What is debt? In lay man words debt are fixed income instruments like bank FD, Government security bond etc. Who should invest in Balanced Fund? See there is no exact answer for this. However if you are risk averse and have fear for equity fund but still want to take a flavor of equity return in long run (more than 5 year) then probably this is a fund for you. I would say this is the best way to outsource your asset allocation….By investing in balanced fund you are asking mutual fund to do asset allocation between equity and debt .. Who decides how much of the fund should be in debt and how much on equity? The respective fund manager decides this. Example: HDFC Balanced Fund invests 71 % in equity and 26 % in debt. How Taxation works on this? As per regulation it was defined that the fund which invest 65 % or mo...

Amitabh accepted that he realized by then that he is a actor and he should concentrate on only acting. One fine morning Mr Bachchan wake up in the morning and went to My Chopra and requested him to cast him in some movie. Mr Chopra gave him a break in movie Mohabatein and then in the same year he hosted KBC TV shows. He went for a training same year before becoming host for this reality show. He hosted this till 2005. He started working hard as a new comer at the age of 60 and started getting sponsorship and add one after another slowly. From his initial endorsement he got around 10 crore which he used to repay few portion of his loan. Soon after he started acting in movies and all became hit one after another. Again he proved that if somebody has will he can be young enough anytime to begin and prove. Later Amitabh endorsed for just dial, in return he got 62,794 shares with a nominal value of  Rs.  10 each back in 2011 .In Jan 2014 it was costing more ...