I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless Sonia bless America.
She is Warton business school , London Business School Alumni own two companies - one is sold out yet so humble, she given realistic advice to middle class. Such leaders made us feel proud.
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.
Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Well said! 41yo 1.2 mil net worth, and driving 2013 corolla. Never made more than ~$70000 annually but ended up with far more cash flow than I'll need investing in Stocks and ETFs.
Sharan, i have really admired this lady for her honest talks in other interviews too. Definitely honest, humble and truthful in her sharings. What i really like about your show is how succintly ask your guests to detail out their investments, specific portfolio's etc. This helps us to understand our own investments better. Please continue doing that.
I dont agree that 50k salary is good enough for basic sustainance, at least not in a metro . Maybe if you don't need to pay rent or don't need a health insurance or term insurance then it is fine. We live in a country where segmental inflation is more than 10% in education and health.
She is highly professional and competent with great business acumen no doubt but its also a fact that she was already born in an ultra rich family with business background. Not everyone is that lucky.
Once you have a 15-20 cr headstart, making 50-60 cr in your lifetime (30-40 years) isnt hard. If you're worth 50-100 crs then the leverage is crazy and you can easily hit 500 cr mark in the lifetime
@@BHARATWANKHEDE no, once you have assets of 50 crs, the minimum risk free return you have after taxes in FD will be 5%, i.e 2.5 crores per annum, you can invest 2 crs + per year in the markets or rental properties, over 30/40 years your share value will compound and properties will appreciate to triple or more. Once you have 50 crores with minimal effort you can treble or quadruple it every 20 years without touching your initial networth of 50 crs. Even if you do absolutely nothing and let FDs grow, your networth will increase by 2 cr per year assuming you spend only 50L per year, over 40 years compounding, you will be worth 140 crores+.
The undivided share of land cost will always be less than the per sqft price of an apartment on that land bcos builders do that calculation to arrive at the apartment sell price range for themselves, land plus labour plus material plus fittings plus interest on loans plus margin divided by total number of units is what gives them the sale price, so I am not fully convinced with her argument on this
Making a mockery of middle class. Can someone please explain how do you save 10-15% in a 50k salary. How can you ignore unforeseen expenses? I think she missed factoring in inflation and guess the numbers are from early 2000's. I hope Nirmala Mam has not seen this video 😁
What if you have only 45k in hand? That is how you should think. First take 5k for the savings and start the rest as your income. It is hard to accept it. When you actually need 60k for the mo th but you have 50k in hand. But this is how you prioritize your expenses. I was doing it with 1.5k savings when I had 7k income. It was hard but had to do it for the future. I had to borrow during unexpected situations and replan layer.
Bhai they've been rich all their life Unko sirf apni salary me save krna padta hai and they always get extra money from parents even through job How do you expect them to know the fight of a middle class man
She invested 7 lakhs in Tata Elxsi at 110 Rs/share in 2009. Hence she got 6363 shares. Today it is at 6850/share. Hence the profit she made is around 4,28 Cr and not 1.50 Cr. Time Stamp (10:45)
You never thought about people selling at different price points . She could have literally sold some of her shares when she needed some liquidity . Only ammatures sells and buys at one single go .
@@AshwinSivaprakash-mw8ic Both she or Sharan din't mention selling of shares. The moment she said 7 lakhs sharan replied "that became close to 1.5 Cr" Its only but natural for a viewer to think both made a calculation error.
After this interview its blatant Sharan is a result of the people around him. The guest is such a grounded person. I pray she gets all the happiness in the world
@@AJ-kb9hf I'm not an expert on this topic but my understanding is that those who can afford decent meals thrice a day, send their kids to a good school n can afford decent health coverage are the bottom of middle class pyramid, and it goes all the way up to certain level, again each of these have their own definition by the experts. What I meant in the above statement where I urged to get more people who can address middle class is coz channels at times or most of the times gets those who earn in lakhs monthly and count in multiple crores early, which doesn't help many.
@Pradeep_Kumar_G thank you, that's really helpful. On a slightly different note, Indians (specifically from India) are being praised so much in the UK for their intelligence and work ethic. I actually know employers who prefer only to work with Indians. For the educated Indians the future looks very bright outside of India too.
So lucky to have come across this video. Such a humble & wise lady. Wish she shares her knowledge more often over the media she prefers. I am now following her on Linkedin 🙂
If inflation continues to re-accelerate, don't you think they will be forced to increase interest rates? It's not like they have the option to just stand back and watch it increase and hope it comes back down. They indicated they will act not just if it does not re-accelerate but if it does not demonstrate, it is actively on the way down to 2%, so the likelihood of an interest rate hike seems very significant. There's nothing to naturally bring inflation down at this point unless the labor market implodes.......currently I've been engaged in active trading, which is generally safer, allowing investors to weather market volatility and also managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Aria Cookings whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
Her technical analysis is excellent and her interpretation/projections of the market is so accurate I sometimes ask myself if she is human haha. Point is, Aria is the perfect trader to follow for advise and daily signals.
Aria Cookings was my hope during the 'bear summer' last year. I did so many mistakes but also learned so much from it, and of course from Aria Cookings. She is my number one source when it comes to crypto and TA.
Great idea for real estate - UDS rate vs Apartment rate. Majority of places will fail which shows that there is black money and guideline value kept low to reduce registration cost. If the idea is followed land rates will come down or black money will leave it.
You mean per sq ft of the land price is lesser than per sq feet of your flat price ? Can you give me an example is that even possible in any city leave Bangalore! You are basically saying, builder building a property on a costly land and putting his money on construction and giving you the property for lesser price 😂😂
13:38- With all due respect the calculations what CA Ma’am is sharing. For someone staying in metro, If they wants to do that then they’ll have to stay in 1 room kitchen in some chawl or slums and eat only at home no ordering of food at restaurants ever ( considering 3 people ) and send kid to municipal school and visit municipal hospitals for any health issues. What she is saying can be only possible in a tier 2 or tier 3 city ( taluka ) with 15% saving on top
Yeah I understand...50 k is not enough for a family to lead a comfortable living in Blore or any metro city..Rent itself has become very expensive, even for a 1 bhk..But if you are a bachelor, then its fine..
Exactly, But I would rather live like this for initial 5-7 years of my life. Here, Planning is really important. Live in a small house and live like our parents used to live. Save for a bit, invest, and let compounding happen. Also, plan for a child a little late in ur life. Lets say, you get a job at 25, live like this for 5-7 years. Save money and Invest in smallcap stocks or mutual funds, then plan for a kid at 34-35, By then, your income would've increased exponentially. Now live ur life normally, and let the compounding do its magic. I personally deleted Zomato and Swiggy, Saving monthly 3-4k minimum, now I have invested 1.02 lac in 2 years with extraaa saving. Its hard, but it can be done.
Her prerogative is if you want to make money, make money don't be distracted by friends house, colleagues kids school, newest phone, splurge eating out, etc sensible points
you weak at simple math i guess, 30k monthly invested for 96 months(8 years) which is compounded for 1% per month (12% yearly), hence 4797818.78, Its something called Regular Annuity
Investing appropriately today can save you a whole lot of stress in the near future, so anyone who is not investing now is missing a great Opportunity.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I've been sticking to investing via an analyst.
Let's face it... Buying more stocks & index funds during stock markets are scary Which makes it really hard to do for most people like me. I have 260k and want to transfer into an sås but it's hard to bite the bullet and do it.
this is definitely considerable! think you could suggest any professional/advisors i can get on the contact with? i'm in need of proper portfolio allocation.
Rightly said, I stayed in Mumbai Suburban and pay rent of 7K per month in a decent 1 BHK flat and all inclusive total monthly expenses within 30K, one kid in ICSE school Grade 4, Roughly take home salary 2L PM, wife is home maker, have no loan, no credit card, no FB, Instagram ACCOUNT. Present portfolio size approx 2 Cr. Inspirational video for me.
umm, so she has 500crore and still she is renting the house, I get wealth and all these points, but at the end money is a enabler, if you dont spend it when you have this much of it, and still keep worrying about investment, whats the point? you'll keep shifting your goals and its a never ending cycle, If I have this much of money I'd probably start enjoying life a bit, time is the only thing you cant buy, we all are racing towards death. PS: nothing against her, she is an absoulte gem and humble person with great knowledge, im just putting my perspective.
Guys,the real question is "what makes you happy?and are u being able to afford it?" if staying in rented house and looking at bank balance of 50 Cr is what makes you happy,then why not?
For some renting is convenience and happiness. Don't compare the normal rental house to one rented by these folks. The experience of someone paying 5L to 10L in per month rent is super different.
Great people don't earn money to lead extravagant life. Their passion is to create wealth and more wealth , so that lot of people get employment. They do charity, which makes them feel content. We should not judge people on our yardstick, as long as they do not hart others.
She is having undoubtedly a wise sense of money but I believe in today's generation most of the youngsters don't wish to live a life with a standard as she has mentioned Youngsters are willing to earn a lot of money but at the same time they are willing to spend it to live a lavish life
Yes, and this where attitudes have really changed compared with previous generation(s). We see this in the UK a lot - Indians from India are very willing to spend - they have good jobs and live a pretty decent standard of living.
I think there was some miscommunication here in the video. UDS sqft is always lower than flat sqft. 1000sqft flat at 10k/sqft would have only say 300sqft UDS priced at 30k/sqft. This is since multiple flats will share the same land if it's a vertical structure. The flat rates will be higher if it's a horizontal structure.
I want to ask one question from all the public here about the Indian tax system First, we have to pay corporate tax to the government and then that company who employ other people have to pay income tax and after all that we also have to pay GST not the normal rate but it's more than 1/4 of the total cost of the product Let's assume if your company earns 1cr in a year first you have to pay corporate tax. Now you have 70 lakhs in hand now you have to pay an income tax of another 30% which means you have only 49 lakhs not an end now. Now you have to pay 28% as GST which means your in-hand income is only 39 lakhs
A single template might not fit in for everyone. There is always an investment opportunity for every sector of society. What matters is the timing, exposure, rush appetite and willingness to take risk and also a bit of luck factor. ಒಳ್ಳೆಯ ಸಂಚಿಕೆ ಶರಣ್. ಜೈ ಕರ್ನಾಟಕ..!!
Sharan bro I have one suggestion " Aap jiske saath podcast karte ho unse hindi me puchiye jo bhi and unko hindi me jawaab dene ke liye kaho, kyu ki isss podcast zyada tak middle class youth jo english zyada samajhte nahi he unko bahut Useful hoga...Jo well educated and well settled guys ko farak nahi padta podcast se... If u read my comment just give a like..! Take care bro❤
Suppose a 600 sq ft land converter in a 4 floor flat. (1 flat each floor) Price of land is - 10/sq ft. So 6000 rs for the whole land. So, if I buy 1 flat (1 floor) My price should be less than (6000/4). Like this? Please answer
Yes as less as possible. For eg land price is 1 cr. 4 flats made- intrinsic value is 25 lac (1cr/4), eg. your flat purchase price is 15-20 lacs so with purchase itself you are at 10-5lacs profit respectively.
Lets say she lost all her income due to any kind of economic downfall. She would have money to get any house today, If a person with 50K salary loses his job he would go homeless if rent is not paid, and if you are in 40s or 50s you will have a homeless family. A house is an asset no matter what because it can give a sense of safety, 10 crore in stocks can make you wealthy off course. And problem is this guy knowingly puts up thumbnail saying lives in rented house but hides the factvthat she OWNS 2 houses 😂 Buy a house ASAP you are capable and you don't need to have Birmingham palace or antilia and you should invest along with investment
I stopped reading what you said after let's say. People think they can stop any kind of thinking once they have bought a house. Dude if you have it in you you'll be rich n smart like all these people with crores in your bank too.
She is just misleading. No investment in real estate after 2000 has given over 12% CAGR. She is saying 7 times in 8 years even with bitcoin cannot expect that returns. 🤣🤣🤣
When we replace WTF with OMG (oh my God) everything is possible. Imagine, As a Chartered Accountant you build a world class product bought by ITC for 500 crores, not a joke.Lot of planning, execution, Business acumen ,patience, hardwork. She has given her complete inreresting success story in the kannada language inrerview with Rapid Rashmi. Dear sharan, if you explore her business journey in English it would reach a larger audience and there are hundreds of learning for everyone. Suhasini Sampath is an inspiration for savings, dedication and wealth creation. Thanks.
Successtui investing/trading is nara work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival
I agree. I have pulled in more than $435k since 2020 through my advisor. It pays off more in the long run to just pick quality stocks and ride with those stocks.
I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless Sonia bless America.
Please share more info
I am tired of working per time jobs
Please how
Actually I am from Canada but I still need a financial couch as well
🙏
She is Warton business school , London Business School Alumni own two companies - one is sold out yet so humble, she given realistic advice to middle class. Such leaders made us feel proud.
100% agree with you. She is super humble
It's an exec course at Wharton...irrespective respect for her
@@financewithsharan bring her back
@@financewithsharan U can learn so much from her
I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying it’s ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge.
Reason I decided to work closely with an brokerage-adviser ever since the market got really tensed and the pressure became so much(I should be retiring in 17months) so I've had an brokerage-adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
Elisse Laparche Ewing is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.
Why she's so successful and talented? -
NO SOCIAL MEDIA
She does social media fame with company name not by her name
She mentioned not comparing and no social media. These 2 qualities make an individual really unique.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Brooke Miller.
I'm surprised that you just mentioned and recommended Brooke Miller, I met her at a conference in 2018 and we have been working together ever since.
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Don't want this interview to end. She has so much knowledge Bro !!!
I too felt the same way.
The podcast should have been lengthier
💯 agree …. @ Sharan, hope you are listening to this
Met her in 2018 in Bangalore when yoga bar was growing; she was a very down to earth person.
Worth the time!!
No running around bush..
Clean clear and insightful
Great episode Sharan💯
I'd rather look poor but financially secure.
Than to look wealthy but wallet is empty.
Well said! 41yo 1.2 mil net worth, and driving 2013 corolla.
Never made more than ~$70000 annually but ended up with far more cash flow than I'll need investing in Stocks and ETFs.
OMG! She has enormous financial knowledge. I’m really blessed to watched this interview. Thanks Sharan
Sharan, i have really admired this lady for her honest talks in other interviews too. Definitely honest, humble and truthful in her sharings. What i really like about your show is how succintly ask your guests to detail out their investments, specific portfolio's etc. This helps us to understand our own investments better. Please continue doing that.
Thanks bro, means a lot to me :)
Very humble person. Show is so rightly planned short and crisp.
Very rightly said!
One of the best podcast on finance, valuation, risk, gratitude etc in small combo pack of 16 mins.... Good one Sharan
She is extremely realistic. If she is married, her husband is really lucky. ❤
So true
simp
Why husband lucky.. free food?
@@S1406SH I think because she is well established women. But it depends how she behaves as wife of course.
@@S1406SHit's not always about what you get; it's about having a partner who will always teach you how to get ❤
I dont agree that 50k salary is good enough for basic sustainance, at least not in a metro . Maybe if you don't need to pay rent or don't need a health insurance or term insurance then it is fine. We live in a country where segmental inflation is more than 10% in education and health.
Agree with you..without rent it's possible but with rent in a metro it's not feasible in 50k salary..
Still manageable. If you don't have kids. But yeah with kids you need atleast 12-15lpa as bare minimum
Yeah..we live where its only 10 percent. We are lucky
Chill guys just ignore her She don't know the struggles and ground reality of middle class and lower middle class as she is already rich 😂
I think 80000 is the figure
She is remarkable. A real role model - so humble, knowledgeable and a formidable business woman.
She truly is!
She is highly professional and competent with great business acumen no doubt but its also a fact that she was already born in an ultra rich family with business background. Not everyone is that lucky.
Once you have a 15-20 cr headstart, making 50-60 cr in your lifetime (30-40 years) isnt hard. If you're worth 50-100 crs then the leverage is crazy and you can easily hit 500 cr mark in the lifetime
You are saying that once you have assets of 50 crs. ,then u get more loans easily and multiply worth ? Is that correct?
@@BHARATWANKHEDE no, once you have assets of 50 crs, the minimum risk free return you have after taxes in FD will be 5%, i.e 2.5 crores per annum, you can invest 2 crs + per year in the markets or rental properties, over 30/40 years your share value will compound and properties will appreciate to triple or more. Once you have 50 crores with minimal effort you can treble or quadruple it every 20 years without touching your initial networth of 50 crs.
Even if you do absolutely nothing and let FDs grow, your networth will increase by 2 cr per year assuming you spend only 50L per year, over 40 years compounding, you will be worth 140 crores+.
@@NoName-bb2puNot to mention how influential your family network will be, it will be a piece of cake to make money
Yeah she got lucky like many other rich kids.yoga bars was a hit or miss.
Many old money people like her@@NoName-bb2pu
The undivided share of land cost will always be less than the per sqft price of an apartment on that land bcos builders do that calculation to arrive at the apartment sell price range for themselves, land plus labour plus material plus fittings plus interest on loans plus margin divided by total number of units is what gives them the sale price, so I am not fully convinced with her argument on this
Exactly sid ! Jus to look cool she's thrown some nonsense in the name of explanation
And surprisingly . . No one noticed
Logic gone missing
@@aash456these modern day Babas always play with entropy and basic economics to give their rosy versions
She invested 7 laks in a Single stock in 2009.Then she might be already rich back then
haha ..not really .. in 2009 i had 6 lac package and i bought maruti dzire for 6.5 lacs .. last year i sold it for 50K :) 😎😎 ..
@@tattvamasee😂😂😂
@@tattvamasee sharan please do podcast with this guy 😂😂
@@tattvamasee - this is a trap
Exactly, she was born with golden spoon. She never spent even a rupee for coffee to her friends.
What a woman.. Huge respect 🫡❤
I don't want this interview to end...... she's really knowledgeable
Although I am 18 , I am interested in finance. Your podcasts are interesting👍.
Making a mockery of middle class. Can someone please explain how do you save 10-15% in a 50k salary. How can you ignore unforeseen expenses? I think she missed factoring in inflation and guess the numbers are from early 2000's. I hope Nirmala Mam has not seen this video 😁
I make 50k/month and on 1st every month I have to play 30k for rent, school fees, school van, Milk etc
@@durgeshm.6116Immediately upskill and change jobs to earn 1.5L asap else u could land in serious trouble
What if you have only 45k in hand?
That is how you should think. First take 5k for the savings and start the rest as your income.
It is hard to accept it. When you actually need 60k for the mo th but you have 50k in hand. But this is how you prioritize your expenses.
I was doing it with 1.5k savings when I had 7k income. It was hard but had to do it for the future.
I had to borrow during unexpected situations and replan layer.
I don't even earn 20k ...😂 Oh holy world
Bhai they've been rich all their life
Unko sirf apni salary me save krna padta hai and they always get extra money from parents even through job
How do you expect them to know the fight of a middle class man
She invested 7 lakhs in Tata Elxsi at 110 Rs/share in 2009. Hence she got 6363 shares. Today it is at 6850/share. Hence the profit she made is around 4,28 Cr and not 1.50 Cr. Time Stamp (10:45)
You never thought about people selling at different price points . She could have literally sold some of her shares when she needed some liquidity . Only ammatures sells and buys at one single go .
She is week in maths. By fluke she must have made some money in share market.
@@AshwinSivaprakash-mw8ic Both she or Sharan din't mention selling of shares. The moment she said 7 lakhs sharan replied "that became close to 1.5 Cr" Its only but natural for a viewer to think both made a calculation error.
She also mentioned "no intention of making money out of it" 2 times, but every body invests to make money. What is this double stadard.
Even I checked it to be 4.5 cr, she humbly says 1.5 cr , can somebody confirm
The minimum amount of 50k per month for survival seems quite impractical, except if you staying in a small city/town
Its 10 years back also challenging one. My rent for an avg flat in Blore suburb was 12000 in 2015
Agreed you can't save anything in salary of 50k , idk why she said that
Bloody code monkies
After this interview its blatant Sharan is a result of the people around him. The guest is such a grounded person. I pray she gets all the happiness in the world
she is definitely sharp. thanks for the show Sharan.
Amazing personality 🙏 respect!!
I like the way Sharan summarised the whole conversation and her persona in one statement.
Very informative and well-explained! I appreciate the clarity and depth of the content. Looking forward to more videos like this!
I am so envious about the clarity she has about finance and life in general. So God damn intelligent 🗿🗿
Such a Humble and intelligent person 🌟
Amazing, she sold company to ITC for 500 crores, but still down to earth
No she is down to flats😂
Please get humble people like her who share valuable insights to middle class people
Noted bro!
Can I ask a question - what is considered middle class in India ie what level of wealth, income, education etc is considered middle class?
@@AJ-kb9hf I'm not an expert on this topic but my understanding is that those who can afford decent meals thrice a day, send their kids to a good school n can afford decent health coverage are the bottom of middle class pyramid, and it goes all the way up to certain level, again each of these have their own definition by the experts.
What I meant in the above statement where I urged to get more people who can address middle class is coz channels at times or most of the times gets those who earn in lakhs monthly and count in multiple crores early, which doesn't help many.
@Pradeep_Kumar_G thank you, that's really helpful.
On a slightly different note, Indians (specifically from India) are being praised so much in the UK for their intelligence and work ethic. I actually know employers who prefer only to work with Indians. For the educated Indians the future looks very bright outside of India too.
So lucky to have come across this video. Such a humble & wise lady. Wish she shares her knowledge more often over the media she prefers. I am now following her on Linkedin 🙂
Thanks a lot Sharan for getting the knowledge from super humans like her and sharing it to the world!!
My pleasure 😊
If inflation continues to re-accelerate, don't you think they will be forced to increase interest rates? It's not like they have the option to just stand back and watch it increase and hope it comes back down. They indicated they will act not just if it does not re-accelerate but if it does not demonstrate, it is actively on the way down to 2%, so the likelihood of an interest rate hike seems very significant. There's nothing to naturally bring inflation down at this point unless the labor market implodes.......currently I've been engaged in active trading, which is generally safer, allowing investors to weather market volatility and also managed to grow a nest egg of around 2.3Bitcoin to a decent 24Bitcoin....I'm especially grateful to Aria Cookings whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
Aria Cookings program is widely available online.
She often interacts on Telegrams, using the user-name.
@Ariacookings
Her technical analysis is excellent and her interpretation/projections of the market is so accurate I sometimes ask myself if she is human haha. Point is, Aria is the perfect trader to follow for advise and daily signals.
Aria Cookings was my hope during the 'bear summer' last year. I did so many mistakes but also learned so much from it, and of course from Aria Cookings. She is my number one source when it comes to crypto and TA.
Have met her and she is the sweetest person ever! This conversation is gold
Great idea for real estate - UDS rate vs Apartment rate. Majority of places will fail which shows that there is black money and guideline value kept low to reduce registration cost. If the idea is followed land rates will come down or black money will leave it.
You mean per sq ft of the land price is lesser than per sq feet of your flat price ?
Can you give me an example is that even possible in any city leave Bangalore!
You are basically saying, builder building a property on a costly land and putting his money on construction and giving you the property for lesser price 😂😂
It can be in resale property..because land price increases much faster compare to flat rate
@@aninil9221 Even in that case the seller would price it considering the new market value of land
13:38- With all due respect the calculations what CA Ma’am is sharing. For someone staying in metro, If they wants to do that then they’ll have to stay in 1 room kitchen in some chawl or slums and eat only at home no ordering of food at restaurants ever ( considering 3 people ) and send kid to municipal school and visit municipal hospitals for any health issues. What she is saying can be only possible in a tier 2 or tier 3 city ( taluka ) with 15% saving on top
Yeah I understand...50 k is not enough for a family to lead a comfortable living in Blore or any metro city..Rent itself has become very expensive, even for a 1 bhk..But if you are a bachelor, then its fine..
Exactly, But I would rather live like this for initial 5-7 years of my life. Here, Planning is really important. Live in a small house and live like our parents used to live. Save for a bit, invest, and let compounding happen. Also, plan for a child a little late in ur life. Lets say, you get a job at 25, live like this for 5-7 years. Save money and Invest in smallcap stocks or mutual funds, then plan for a kid at 34-35, By then, your income would've increased exponentially. Now live ur life normally, and let the compounding do its magic. I personally deleted Zomato and Swiggy, Saving monthly 3-4k minimum, now I have invested 1.02 lac in 2 years with extraaa saving. Its hard, but it can be done.
Her prerogative is if you want to make money, make money don't be distracted by friends house, colleagues kids school, newest phone, splurge eating out, etc sensible points
The math does not seem right, 3.6 Lac (30K saved each month) at 12% annualised return after 8 years will be 48 Lakhs.
you weak at simple math i guess, 30k monthly invested for 96 months(8 years) which is compounded for 1% per month (12% yearly), hence 4797818.78, Its something called Regular Annuity
@@AmitM3Investment Are you serious?
If you don't find a means of multiplying your income you will wake up one day to realize you didn't plan..
Investing appropriately today can save you a whole lot of stress in the near future, so anyone who is not investing now is missing a great Opportunity.
well as you know bigger risk, bigger results, but such impeccable high-value trades are often carried out by pros.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I've been sticking to investing via an analyst.
Let's face it... Buying more stocks & index funds during stock markets are scary Which makes it really hard to do for most people like me. I have 260k and want to transfer into an sås but it's hard to bite the bullet and do it.
this is definitely considerable! think you could suggest any professional/advisors i can get on the contact with? i'm in need of proper portfolio allocation.
Wow Wonderful podcast!!
Thanks for your efforts Sharan ❤
Dude please do more podcast like this❤ womens like her makes india proud
"Never compare ur self to others" the starting line of the podcast made me watch the whole podcast
Satyavachan! By comparing, we hurt ourselves.
Indeed sir btw the whole podcast was very insightful
She is soo energetic..ears want to more listen..she is good speaker
Rightly said, I stayed in Mumbai Suburban and pay rent of 7K per month in a decent 1 BHK flat and all inclusive total monthly expenses within 30K, one kid in ICSE school Grade 4, Roughly take home salary 2L PM, wife is home maker, have no loan, no credit card, no FB, Instagram ACCOUNT. Present portfolio size approx 2 Cr. Inspirational video for me.
Wow I am impressed by her though process and simplicity !! Lots of take away from podcast !!
Rs 40,000 to Rs 50,000 and still saving 10% to15% for a family of 3 members ? How on the earth is that possible in any major Indian cities ?
Don't live in cities
She lived in parents house and no costs for boarding and lodging .. moved out only after secure..
so her view is different
@@kashni in that case it is a case of multi-income household which she didn't mention
2/ k
I have done it in Bangalore but my kid was 3 n I was not having car
umm, so she has 500crore and still she is renting the house, I get wealth and all these points, but at the end money is a enabler, if you dont spend it when you have this much of it, and still keep worrying about investment, whats the point? you'll keep shifting your goals and its a never ending cycle, If I have this much of money I'd probably start enjoying life a bit, time is the only thing you cant buy, we all are racing towards death.
PS: nothing against her, she is an absoulte gem and humble person with great knowledge, im just putting my perspective.
Paisa Paisa... Iska koi end nahi... Only you can draw a borderline and after that enjoy life's little little happiness and luxury.
Guys,the real question is "what makes you happy?and are u being able to afford it?" if staying in rented house and looking at bank balance of 50 Cr is what makes you happy,then why not?
For some renting is convenience and happiness. Don't compare the normal rental house to one rented by these folks. The experience of someone paying 5L to 10L in per month rent is super different.
Great people don't earn money to lead extravagant life. Their passion is to create wealth and more wealth , so that lot of people get employment. They do charity, which makes them feel content. We should not judge people on our yardstick, as long as they do not hart others.
and thats why you are broke and she is NOT, with your mindset you won't get out of the pond
She is having undoubtedly a wise sense of money but I believe in today's generation most of the youngsters don't wish to live a life with a standard as she has mentioned
Youngsters are willing to earn a lot of money but at the same time they are willing to spend it to live a lavish life
Yes sometimes I think it is good to spend as what else we are living for and sometimes I feel we have to save for future too. 😕
Yes, and this where attitudes have really changed compared with previous generation(s). We see this in the UK a lot - Indians from India are very willing to spend - they have good jobs and live a pretty decent standard of living.
UDS is high per sq ft of land than flat !! Why the builder is selling then ?? I don't get it .
Me too
I think there was some miscommunication here in the video.
UDS sqft is always lower than flat sqft. 1000sqft flat at 10k/sqft would have only say 300sqft UDS priced at 30k/sqft.
This is since multiple flats will share the same land if it's a vertical structure. The flat rates will be higher if it's a horizontal structure.
I want to ask one question from all the public here about the Indian tax system
First, we have to pay corporate tax to the government and then that company who employ other people have to pay income tax and after all that we also have to pay GST not the normal rate but it's more than 1/4 of the total cost of the product
Let's assume if your company earns 1cr in a year first you have to pay corporate tax. Now you have 70 lakhs in hand now you have to pay an income tax of another 30% which means you have only 49 lakhs not an end now. Now you have to pay 28% as GST which means your in-hand income is only 39 lakhs
She is like mom ,when comes to finance.😊
I saw the shorts of her interview and was disappointed to see the full video is 17 minutes only. She is so knowledgeable, need a an hour long video
This women is a reminder of women of substance ❤
Yess! 100%
Truly a humble person with even having so much money
A single template might not fit in for everyone. There is always an investment opportunity for every sector of society. What matters is the timing, exposure, rush appetite and willingness to take risk and also a bit of luck factor.
ಒಳ್ಳೆಯ ಸಂಚಿಕೆ ಶರಣ್. ಜೈ ಕರ್ನಾಟಕ..!!
proud of this women.
One of the great episode in 🎉🎉🎉 in finance with sharan
Thanks a lot Sharan for sharing so much knowledge
My pleasure 😊
One of the best podcast !
Glad to know that this video is for middle class people.
Sharan I never met you but I can see a child in you who transform from shy kid to confidence beautiful soul
She is humble and lovable person ❤️
Thank you, means a lot to me!
6:50 calculations are never possible in real world, who would build a property and sell you than the market value of the land itself
Resale it could be
Wahi to bro
I like her she has tooo much knowledge bro❤❤❤❤❤
One of the Bestesttttt Thanks for this
wish this podcast was longer.. you should do another deep dive
I will definitely try!
Sharan bro I have one suggestion " Aap jiske saath podcast karte ho unse hindi me puchiye jo bhi and unko hindi me jawaab dene ke liye kaho, kyu ki isss podcast zyada tak middle class youth jo english zyada samajhte nahi he unko bahut Useful hoga...Jo well educated and well settled guys ko farak nahi padta podcast se... If u read my comment just give a like..! Take care bro❤
Beautiful podcast 🎉🎉 so much to learn
Glad that you liked it @shaunaksen9676!
Thanks for the wonderful and superb video
Upload full podcast of her
She's very knowledgeable
Thanks a lot Sharan. Nice podcast..interview..👍👏🙏only full info.. no bakwaas..
Thank you so much Bharsanta
Excellent video, educational.
one of the best episodes !!!
When Rakesh bought titan they were not into jewellery.. but it was a leading watch brand.
Great interview 👍🏻⭐️
Wow.. what a lady she is.Really amazed by her clarity on investment and overall decisions.
Yes, I was amazed too!
Suppose a 600 sq ft land converter in a 4 floor flat. (1 flat each floor)
Price of land is - 10/sq ft. So 6000 rs for the whole land.
So, if I buy 1 flat (1 floor)
My price should be less than (6000/4). Like this?
Please answer
Yes as less as possible. For eg land price is 1 cr. 4 flats made- intrinsic value is 25 lac (1cr/4), eg. your flat purchase price is 15-20 lacs so with purchase itself you are at 10-5lacs profit respectively.
I came here for English pod... This is the vocabulary I want to learn from Suhasini mam.
Lets say she lost all her income due to any kind of economic downfall.
She would have money to get any house today,
If a person with 50K salary loses his job he would go homeless if rent is not paid, and if you are in 40s or 50s you will have a homeless family.
A house is an asset no matter what because it can give a sense of safety, 10 crore in stocks can make you wealthy off course.
And problem is this guy knowingly puts up thumbnail saying lives in rented house but hides the factvthat she OWNS 2 houses 😂
Buy a house ASAP you are capable and you don't need to have Birmingham palace or antilia and you should invest along with investment
I stopped reading what you said after let's say. People think they can stop any kind of thinking once they have bought a house. Dude if you have it in you you'll be rich n smart like all these people with crores in your bank too.
Excellent humble truthful.Thank you madam.
Finance terms and tricks will be different for each individual…
she told her story in her own way.
What is your story bro 😉?
to be frank, i never liked Yoga bar, i have no idea why ITC acquired it. It add no value to ITC portfolio.
We should also check if the land to flat sqft ratio is also favourable right along with checking UDS price per sqft > Flat price per sqft 7:36
UDS - Undivided Share of Land. The price per square feet should be less than UDS.
Sharan, we want part 2 of this interview.
She's really so admirable ❤
She is just misleading. No investment in real estate after 2000 has given over 12% CAGR. She is saying 7 times in 8 years even with bitcoin cannot expect that returns. 🤣🤣🤣
You are right. I bought my flat in 2007... My CAGR is 6.5% after deducting all maintenance and taxes
Boss I sold property to my client for 2.50 cr in 2010 today it's 5.50 cr
@@ProfitSnipper That's less than 6% CAGR 😂😂
@@arjunps6776 Sahi
Bitcoin will beat everything in long run
it seems like she has been lucky no focused investment not looking into books taking risk and getting lucky is something rare
Superrr 👌. .. We can listen to more coming from her 👍 . ... ✅️
Thank you for sharing 🙏
When we replace WTF with OMG (oh my God) everything is possible. Imagine, As a Chartered Accountant you build a world class product bought by ITC for 500 crores, not a joke.Lot of planning, execution, Business acumen ,patience, hardwork. She has given her complete inreresting success story in the kannada language inrerview with Rapid Rashmi.
Dear sharan, if you explore her business journey in English it would reach a larger audience and there are hundreds of learning for everyone. Suhasini Sampath is an inspiration for savings, dedication and wealth creation. Thanks.
Her answer of 50K sufficient...made me close the podcast...80% was already done 😢😢
Grocery and unaccounted expenses,with private school fees are so high in city like Bangalore..but podcast is grt..
actual influencers with no social media access 👍
Humble and.simple
Yes, she was very down to earth!
Managing food for 3 PPL in 5-6k????? Which place on earth we need to live in for this??
Don't buy from malls or online or fancy, buy hyperlocal n within budget.
Successtui investing/trading is nara work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament
Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for
survival
I agree. I have pulled in more than $435k since 2020 through my advisor. It pays off more in the long run to just pick quality stocks and ride with those stocks.
Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems.
particular professional you use their service? i have quite a lot of marketing problems.
"She's mostly on the telegams with her ID Below"
Huhh ..In 2009 i had 6 lac package and i bought maruti dzire for 6.5 lacs .. last year i sold it for 50K :) 😎😎 ..
Wow what a great investment it was! 6.5 lacs became 50k lacs...amazing😉
@@religionofpeace782 so what that was my best days ..had so many great memories all i can say now :)