Droplet Wealth

My Partner called me and told me that we are no different from laymen who know that Short term Interest rates are going to fall. We both know the same and hence we are the same. Yes I would say but only for the sake of that knowledge.                            The 1 Year FD in SBI in 2012 would have fetched a interest of 9.25% per annum but today it fetches only 6.25% and this is of course a grave matter for Fixed deposit holders. Because if they had known the interest rate would fall, they would have bought 10 Year FDs which would have paid the same 9.25 % today instead of ending up getting a measly 6.25 % today. So simple.  Now it is expected that Interest rates can fall further - what do we do? Buy 10 Year FDs and lock the "assumed" higher interest today or Wait for the Interest rates to go up?   Speculate. Speculate. Speculate.  This is where a good financial planner...

                       Nothing gives you more joy than doing you what you love to do. The joy increases many-fold when people follow up on you to do the most lovable thing you do! You feel special. Last week, We missed to publish our blog. That's when we realized that "Silence is louder than noise". This time our silence was returned by noise of our beloved readers asking - " Where is this week's blog? Did you forget to it share with me? " When the noise is made by readers that counts upwards of 10,000, the Love is "heart-deafening", we should tell you. Before I move on, thanks to everyone of the 10,000 readers for following us and supporting our "Droplet" like small venture.  More than this, there are couple of friends who ping us to check whether the blog is up for the week and few go an extra mile by providing unbiased view of the blog, You guys are fantastic!  Whats up for this week then -  Sticking...

The Price of 1 share of MRF is Rs 76,650 The Price of 1 Share of Eicher Motors is Rs 27,000 The Price of 1 share of  Maruti Suzuki is Rs 9,300 The Price of  1 share of TVS Srichakra is Rs 3031 The Price of 1 Share of Colgate is Rs 1100  The Price of 1 share of State Bank of India is Rs 260  What does all this mean?  As indicated by Share Price alone  Does it mean that MRF is costly and Maruti is cheaper?  Does this mean that State Bank of India is smaller than Maruti?                          The share price is face of the share market. Share price is the first thing that anybody who comes to stock markets sees first. This person may not know anything about the Stock markets, He -may not know Market Capitalization, may not know Gross Profit Margins, may not know bottom line, may not know top line but he will know the Price of most of these shares.  ...

                                  We are here to help your money make more money. But can money make more money all by itself? No, It can never, the world never runs on auto mode, you need somebody to run it all the time. So who is going to make your money work harder so that it makes you more money? It is, of course you!   So today we are going to teach you a very simple and very easy way to make a 18% return on your money.  But before that lets understand what a 18% return on money would do your wealth.  Basically you are paying yourself 13 months salary in a 12 month year, good to have extra month salary without actually "working" for it right?  If you are wondering that next we will ask you to invest in equities, no we are not! Remember we told very simple & easy? Equities are not so simple/easy, there are labors of pain you have to go through before equities mak...

Most of us give a serious thought to physical fitness only when we cross the 60% of life milestone or when we are forced to be FIT post a medical diagnosis. For instance, I have seen many people who does not care about anything and live a junk lifestyle and one fine day when the unfortunate event occurs such as diagnosis of diabetics or any other, only then their blood, veins, heart and brain starts thinking about having a better and healthy lifestyle. The significance of physical fitness comes first as one grows older, as one cannot ignore it to lead a healthier life. So is the financial fitness. We pay attention only when there is a need, be it health or wealth. A typical Indian life cycle is all-simple. Learn, earn and retire. It all starts from the day you are born, your parents decides what you wanted to become. You get your graduation completed, have a job, get married, and then you want to buy a home as early as possible on EMI. In between, we never ever think whethe...