RICH INVESTING iDEAS

Steven Smith - The Best Test Batsmen - Investing is Boring The Best Test Batsmen at Present - Steven Smith, Cricbuzz narrates him. The Australian Batsmen made his debut as a Leg Spinner, then turned to a Best Batsmen and now tops the list of Best Test Batsmen. He had played 67 Tests and scored 6870 Runs so far, including 26 Centuries and 3 Double Hundreds. He had an average of 64.81 in the Tests and 41.41 in One day Internationals. His role in capture during the 2015 World Cup was brilliant. He became the first player to score five successive fifty plus scores in the 2015 World Cup Tournament.  He was banned for a one year from the Australian Cricket Team due to the Ball Tampering Incident. Smith was once again showed his talent in the 2019 World Cup, after returned from the Banned. Currently, his role in the Ashes Series against England is good for the Australian Cricket. He went out with a head injury and then returned, scored a Double Century in the next match to win the match again

Investing is a Listening Skill Listening is an ART, is the best choice for any Field and Time. Learn by Watch (Videos, Pictures) is a good practice, Similarly when we listen to something, we can have the opportunities to acquire. Usually it's the case in Wealth Creation. You don't have to be rich to just having the Money. On the contrary, you need to learn the safest ways to enrich it. We need to listen to others like Positive minded Wealthy people rather than criticize them. Most Success comes from Listening and Conversing. The Life we are living today is 100 Percent Copy of the Past. By Genetic, Everyone have the talent and successful mind inside. But one should have open it in a time. This is the Listening of Time Mantra that boosts our mind and helps to create Wealth. As we wrongly understood that Rich People are not ready to listening other's words. It's not true at real time, they are always keen to listen. Listening from others and Making their own decision were

Debt - Is it good or bad ? Living without debt is a Salvation, but not everyone has a life be Debt Free. Most of us were fell in the trap of debt, because of misunderstood about Debt. Many people get into debt and drown their wonderful lives. Some people tied up a life time loans and sigh about why we borrowed it. Very few people use the debt carefully or live without Debt. We are all just borrowing and leaving at some point in our Financial Life. Types of Different loans, Personal Loan Vehicle Loan Home Loan Education Loan Jewel Loan Business Loan Credit Cards Mortgage Loan Exposure on Derivatives Individual Loans can sometimes cost lives that lead to Bankruptcy. Human Suicides due to high debt, are also frequently happening. When we need a home, we just get a Home loans from a bank or any Financial Institutions. More than half of our income is occupied by these loans - Called Life Time Debt. Debt usually operates between our Needs and Options. Nowadays, Per

How your investment decision (S)kills ? When we complete our School studies, we will decide what we have to take on higher education. We can do a lot of things to choose from for anyone, who can ask about it, what kind of courses to pursue, reading Ads and News related on and more than that discussing with our friends, neighborhood and relatives. But in the end, we bought a course on any manner and complete the course without any doubt. When it comes to Work life or Day job, we often find ourselves that why i had chosen this course or Education. Is it a good decision went wrong or make myself wrong ? We would have asked many people to explain our case like the above said. Our brain consists with lot of information were stored it. We didn't really pick it up. Then why do we have to reduce ourselves. This is the effect of Decision Making. The result is the result. If you are expecting anyone for your needs or goals by the Decision, then you may regret later. This is why some people e

Interest rates for Small Savings Schemes from July 2019 The Government of India has announced interest rates for Small Savings Schemes for the period of July - September 2019. It is noteworthy that the interest rates on Small savings have been reduced over the past few years. The interest rate for Small savings scheme has been lowered by 10 basis points in January - March and April - June Period. For the current period, the interest rate on Sr. Citizen's Five Years Plan has been reduced to 8.60 percent from 8.70 percent. The National Savings Certificate (NSC) were stood at 8 percent in the March - June Quarter, which is now 7.90 percent for the period of July - September. Sukanya Samriddhi now comes with an interest rate of 8.40 percent, earlier it was 8.50 percent. For the 5 years Monthly Income Scheme (MIS), the new interest rate will be 7.60 percent and for 5 years Term Deposit, it comes with 7.70 Percent. The said above interest rates for Small Savings Scheme will come into eff

Five Financial Wheels to enrich your life On Personal Finance, one can seek the advice of others and can get the help of Financial Advisors. But, we ourselves only know the real Financial needs. Financial Planning is not as difficult as we think, nor is it for Rich People. Decision making is the important one, while playing in the thing of Personal Finance. Many of us who are not even able to complete their School education, are becoming Good businessmen and getting Financial Independence. No one has taught them to become Rich, the decision on Financial Planning made them like Rich. Spending habit is the key factor when it comes to Financial Independence. These Five amazing Financial wheels that anyone can familiar with, to enrich the present life. Budget Planning Financial Goal Planning Investment Planning Retirement Planning Estate Planning You can call and read it as, B-FIRE stands by the first letter. It is advisable to keep the Budget Planning for the Individual and Family on a da

Employee to Entrepreneurship - The road to Economic wisdom Most people are not willing to accept the workload in their jobs today. This may due to their expectation of Higher pay checks and Herd Mentality. The basic principle is most of the people are loving to get good salaries rather than responsibilities. There is a new word and it is more innovative than the 9-5 Day job in the current trend. It's a desire to start a new business or getting Entrepreneurship and retire young. But this road is not as easy task we think, however it is still possible in these days. Be Prepared for the below activities to qualify yourself for the Employee to Entrepreneurship Journey - The Road to Economic Wisdom, Be Debt Free or Reduce Debt: Things changed today, we are in the life of consumerism. Spending money for the unwanted things is not an inspired one for the Entrepreneurial Journey. Most of the business fails today, just because of Lack of Proper Financial Planning. Our trip will be comfor

Where are the investors going ? - Worst Scenario of Retail Investors The face of every investor in the Stock Market reveals different opinions or options. We, everyone knows the Stock market is generally subject to the Volatility. From the Father of Value Investing Mr. Benjamin Graham to the Biggest Investor and Wealthy man Mr. Warren Buffet, they are done the Fundamental Analysis for the Stock picking. In the Indian Stock Market, there are few more listed companies went and going bankrupt. Brand names like Essar, IL & FS, RCOM had went in Debt crisis. Now, in the airline industry, the Jet Airways which is struggling to run its core business. The Founder was expelled, the airline company were controlled by the banks on Debt, The salary and the future of its employees happening all around. Jet Airways had announced its last four quarterly results with a negative income (Net loss). As of March 2019, the fourth quarter is yet to be declared.  The Share holding pattern were also downgr

Wipro Buyback - Benefits of Buyback of Shares Last Friday (16-04-2019), the Public listed IT firm WIPRO announced its Quarterly results (Q4FY19) and moreover the newsletter about Buyback of Shares. This is the second time in the last 20 months that the company announced for the Buyback of Shares. On Friday, the shares of WIPRO went down about 2 percent, after the news of WIPRO employees' accounts may have been hacked. The Board of directors of the company approved a proposal to buyback shares up to 5.35 percent of the Total Paid up equity share capital, which is about 32.30 Crore shares. There is an aggregate amount not exceeding of Rs. 10,500 Crore for the buyback and the record date will be announced later. It is noteworthy that WIPRO had said it will buy the shares at a price of Rs. 325/ per share through Tender Offer. Where the retail investors were holding the WIPRO shares reasonably, and it would be said that about 90 percent of the shares will be buyback. Currently the Share

Interest rates for Small Savings Schemes from April 2019 The Ministry of Finance announcing its interest rates for Small Savings Scheme once in three months. If there is any change in the interest rate, they are applicable only for a period of three months. Recently, the Ministry of Finance said in its statement that there is no change in the rates for the period of April - June 2019, and the same interest rates in the last quarter will continue now. The Current interest rate changes were announced for the Period April to June, is for the first quarter of the Financial Year 2019-20 (Q1FY20). Last time, there is a slight change in the interest rates for the small savings Term Deposit Scheme. For the Quarter of January to March 2019, there is 7 percent rate for the one year term deposit. As it was seen earlier with 6.9 percent in the October - December 2018 period. For the 3 years Term Deposit scheme, the interest rate was seen as 7.20 percent in the Q3FY19 and then it was reduced in the

Are you ready for the Rainy Season - Emergency Fund ? How many of us try to take the umbrella in the Rainy Season. Do you think the rain did not come, when we have an umbrella ? Even if you do not do it during the rainy season, it is better to keep your Financial Planning in Advance. Nowadays, there is lot of job opportunities and also there is a competition in getting employment. More than that, Changing a company to another for the employees are more. Some one can get the promotion in their job, some have lost their jobs today. A challenging thing is how we deal our Financial life, when there is a job loss or loss of regular income. The question is what we are going to do for our monthly income when it happens. Even if we are changing to new jobs or business, we have to prepare for our Temporary financial obligation. So, that is why we need to create an Emergency Fund. Emergency Fund will help you on the time of any unexpected economic loss or temporary financial crisis. How can an

How to Find good stocks simply in the Indian Stock Market ? The Sensex Crossed 37,000 points in the Bombay Stock Exchange(BSE) and Nifty50 has been got its support level at 11,000 and now it is trading above 11,200 points in the National Stock Exchange (NSE). The Election dates were also been announced in the last week, currently there are no other news that cannot bump into the Indian Stock Market, except the election messages. Generally, the Indian Stock Market's Indices have remained largely in the course of every Parliamentary election days. After the results of the election, the market has been mostly reached in a certain level and thereafter it went on Bullish. In this Current year 2019, it was seen as a period of time to buy shares between March and May. However, it is the challenge now to find out the good stocks as an Investor. While most of the stocks is on the rise, if the market is Bullish. But, Good and valuable shares only will give the investor a better return for th

6 Fundamental Factors as a defensive investor There are many factors to looking for a long term investment strategy in the Stock Market. Some of the factors are like Understanding the business of a Company, Sales and Profit growth and find the competitors in a particular sector. We have a variety of Fundamental Analysis ratios - Price to Earning, Earning Per Share, Price to Book Value, Cash Flow, Dividend Yield, Debt to Equity, Return on Equity, Return on X or Y and so on. Benjamin Graham, the father of Value Investing had written a famous book called, ' The Intelligent Investor '. This book will tells you about the basic steps to choose the shares or Stocks as a Defensive look. Let's see about them. Adequate size of the Company: We can see there are lot of listed companies everywhere in the World Stock Market. Although we have a lot of companies to choose from, it is good to choose stocks which have good annual revenue or sales or you can say the company's sales is mo

The Four Pillars for the effective Investing Everyone is looking for a new investment opportunity by everyday. There are so many investment opportunities available, but not all investments are the same. Some investment products are less expensive, few are risk free and some may not yield the expected returns. As for the Investment equipment, most are determined by the mindset or behavior of the investor. Although some global investments available today, it simply varies from the mindset of every investor. Some people are choosing their investment avenues without knowing the risk factor on its investment. Some may miss the prospect of a better returns, despite the possibility of taking a Risk. This post will be for everyone who is looking for an investment opportunities with a different side. Whether you are looking for any investment opportunity or deciding on investment tools, here is a good thing for you. I am not come here to tell you about the income or returns you expect. But, it&

8 Powerful tracks for the Fast Financial Freedom In the Modern world today, the need for economic life or money is a basic necessity. Although we may not need more money, but the growth on economy and its based on industry, increase the need of Money. We can say that live with money or without money. You can do whatever like it, but the basic needs of economy is the first thing than anyone. You cannot just hate it. Many of us are mortgaging their lives for the Economic need. What is the need for money, for which is the joy of going back to money for a lifetime ? We have the benefits of the Money that we have earned only if you have the time to spend it in an effective way. Nowadays, some of the friends were really looking for the F.I.R.E (Financial Independence Retire Early). While we can say the possibility of achieving FIRE is limited, but such thoughts are  a healthy one, so that they can make a proper financial goals. In the early decade, the people who hates (not aware) the Comput

Almost Perfect, not everything is right In a Journey of Human, everyday we have some kind of experience in our Life track. They are not obliged to be Positive or Perfect only. Some experiences can bring us happiness and some may show disgust. We have to learn to evaluate what we need. Not all of the things have a positive outcome. It's good to have positive thoughts in our Subconscious. At the same time, Information (Data) available to us does not necessarily have to be reliable. It's our pure responsibility to see the information available whether it is right or wrong . Last evening i had read a commentary in a book, " The Intelligent Investor " by Benjamin Graham. He is the father of Value Investing and this book referred to the concept of Value Investing. The Commentary was started like this, The School teacher asks Billy Bob: " If you have twelve sheep and one jumps  over the fence, how many sheep do you have left ? " Billy Bob answers, " None. &qu

10 Commandments not to inspire you, but to Practice We have reached the end of the year 2018. This year we may have been Ups and Downs. The year to end has given us many learning. But, we must try to change ourselves. If you want to change the world, just start with yourself first. Some of the things shared by my friend Mr. Yaagneshwaran Ganesh , was not only encouraging me, but also the actions we need to implement in each of our lives. These things you may already know or heard in your daily life. However the things are very fruitful. It gives more pleasure or satisfaction, when we practice but not only to inspire. It's not only for the Entrepreneurship. The Ten Commandments for each of us, Do not respond to Negativity Give without expecting to get Do not Nitpick as a hobby Create personal learning network of Friends Promote others good work. Do not try to sell, instead Educate Remember, your tone of Voice matters Connect with people honestly Choose to be kind over clever Keep th

A Little Knowledge is a Dangerous thing in Investing Have you a secondary income ? Practice to invest. Investment is the most powerful tool, that can only give solid returns for someone who needs. Investing does not mean that you just fill up your money. Investing is an Art.  Again, Investing is an Art. It can be great asset to you, a regular cash flow or income or a source of happiness for you. It is necessary to learn the art of investing. The learning of such investing in a proper and complete manner. Not just the word, 'Investment'. Luck will sometimes help you to make a profit in an Investment. But, the knowledge will only protect your Investment Capital. In the world of today, the Technology and Money have gone up. Only the little knowledge cannot be overcome. We need a effective knowledge or a better one to win the Rat-race.  Reading is a positive aspect of Investment. When it comes to investment reading, we have to take some of the following things, Importance and stud

Two Cluttered things to be avoided to being an Entrepreneur Being an Entrepreneur is a Life-long journey. In this journey we have to face many challenges to succeed. Success and Failures are not a fixed one, but we need to craft ourselves. Problem solving is the primary key for any business and being for the Entrepreneurship. If we learn a lot of things on Entrepreneurship, the following two things will surely save us from slipping on a while. Most Influential Entrepreneurs were follow these things to become successful in their personal and Business. Don't React Don't Judge Don't react on things what others say. Sometimes emotional things are the leading to Failure. If someone says that you are not good at some, you don't care about that. This was happened in our Personal life too, Accept the situation even if doesn't favor of you. I am telling that you should accept the situation happened, but not on the things you got. So, it will help you to avoid emotional

How the Financial Planning Delivery Proceeding ? Whether you are going to the doctor or taking self remedy, but the Financial Planning is so more important today. Rich Dad Poor Dad - Robert Kiyosaki tells, ' It's not how much money you make, but how much money you keep, how hard it works for you, and finally how many generations you keep for it '. So, Earning high is not a thing to build your wealth, but the proper planning on your money - The Financial Planning. The Financial Planning Delivery proceeds itself by two ways. The First way is the hard one, that you can do as a self process. By attaining knowledge on Financial Planning, so that you can make this process step by step - Remember, it's not a easy task, you have to be work hard on retrieving data (Inflation rate, Retirement Corpus, Rate of Returns, CAGR / XIRR). Second way is the easiest one, you can choose a Financial Advisor or Investment Advisor, he would help on your account. The Financial advisor who is