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Since our childhood days our parents, neighbors and friends programmed our mind in such a way that we are in a firm belief that Real Estate can never depreciate and an ever appreciating investment. But this is not true …. Let me tell you a story ….. Suppose ABC is a place where no business was there, no job was getting generated. But one day one rich person came to that place and bought the property with 30 lakh Rs. Now what will happen? The other property owners also will try to sell the land with the same price or above… The rich guy had black money and paid in cash. After sometime in that place some business has grown up and people started getting good job and handsome salary. When these salary people went to land owners/builder to buy, they get afar high quotation of 50 lakh J … To fulfill their so called dreams these guys rush to bank and took loan and bought the house. Like this rat race started one after another joined the race of house buying …. Making builder an...

Dear Readers , Wish you a happy Eid and Rath Yatra .... After 32 years both of this auspicious occasion fall in the same day :) So in this festival season let me share a movie on DALAL STREET  This weekend i do not bug your head with those stock calculations ..... :) Generally i can not watch complete movie in one shot , but this movie has something interesting which i watched continuously from start to end in one shot.... I found this from Value Blog Spot the author shared .... Please Click here to watch the movie It seems they want to show Mehta and Parekh Scam!

What comes to you is Credit.                                       What goes from you is Debit.                     Birth is your Opening Stock.                                           Death is your Closing Stock.    Your ideas are your Assets.                                         Your views are your Liabilities.                                        Your happiness is your Profit.                   Your sorrow is your Loss Your soul is your Goodwil...

An attempt at making quick money leads to losses far higher than the initial investment. If stocks don’t seem by historical standards, stand aside and invest in very small amounts.  Buy and hold does not work always .Never average down a losing investment unless it is a part of well-thought out process. The best tip is there is nothing called “Hot tip”. Never fall in love with your stocks. It will never fall in love with you. It will fall with market J Calculate first how much you can lose, not how much you can gain. Valuations don’t matter in short run and “short run” can last for months and even beyond a year … Experts care about risks and Novices dreams about returns. Forecasts usually my market experts are usually useless. Develop a method and stick to it and have patience. Lots of humility helps.A rising tide raises all ships and so you may have been just lucky. Stocks fell more than you think and rises higher than you will possibly imagine. Investing in po...

Union Budget was announced on 28 th Feb and it was the first full-fledged budget for the new government. Macro Economy 1.      2015-16 growth between 8-8.5%, double digit growth feasible 2.      Retail inflation close to 5% by March, room for monetary policy easing 3.      To achieve fiscal deficit of 3% of GDP by 2017-18 4.      Fiscal Deficit target 3.9% in 2015-16, 3.5% in 2016-17 5.      Revenue Deficit to be 2.8% in 2015-16 6.      Current Account Deficit for 2014-15 to be below 1.3% of GDP 7.      Sharp increase in outlays of roads and railways and introduction of a new fund called “National Investment and Infrastructure Fund (NIIF)” Market Booster 1.      To lower Corporate Tax to 25% over next four years 2.      GAAR implementation deferred by 2 years to April 2017 3.  ...

So there was this village where one day a man appeared and said that he wanted to buy monkeys. He said that he would pay a hundred rupees per monkey. The villagers caught all the monkeys in the neighborhood and sold them to him for a hundred rupees each. Soon another man appeared and said that he would pay two hundred rupees for each monkey. But there weren't any more monkeys around. They were all owned by the first man. So the villagers went to him and said that they were willing to take the monkeys back and return his money. But the monkey owner was unwilling to sell. The villagers raised the offer price to Rs 150 per monkey, then Rs 175 and finally to Rs 199 but the man just didn't want to sell, even though he clearly didn't have any use for the monkeys. Eventually, just to see whether he would sell, they offered him Rs 200 but he still refused. The villagers were puzzled by this. Finally, one of them figured out that there must be someone else who was going to...

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...