#1a73e8 — Public Fediverse posts

foreign answer executive engineer of Public Works division next question who is the officer authorized to communicate to the accountant General copies of orders sanctioning expenditure answer the authority which Accords sanction next question what is the period of limitation in respect of

Ideal claims of pension answer 12 years next question what is the due date of disbursement of monthly salary of employees in legal Metrology Department answer third working day of the next month next question who is the officer authorized to maintain the register of increments of non-gusseted

offices of an office answer drawing officer next question the whole of the attachable portion of the salary of a non-gasseted officer is under attachment a demand from a Cooperative Society is received for attaching some amount from his salary what is the action to be taken by the drawing and

disbursing officer answer the amount should be recovered from the portion of salary not liable to attachment next question funds are available in a department for recurring supplies required for normal functioning of the department who is the officer competent to account administrative sanction in

such cases answer head of Department next question what is the period up to which products manufactured by a state government department will be purchased from them exclusively after they have gone into production answer for the first five years next question the cost of tender firms will be

accepted in days answer in cash or money order only next question the communication of the reason for rejection of a tender to the tenderer is answer not allowed next question a contractor is bound to accept any order for supply of any quantity of stores if he has settled for a dash answer rate

contract next question a complete physical verification of stock kept in the stationary Department should be verified on scene answer two years next question payment to the contractor by the purchasing officer will not be made answer in cash next question the custodian of electrical installation of

a government building occupied by a government office will be answer head of office next question and say general rule all wages will be forfeited if not claimed Within answer three months next question if Government materials are supplied to a contractor in special circumstances the cost will be

recovered from him answer full amount next question annual grants to libraries from government will be governed by certain rules one of the rules stipulates that dash of the grant should be used for purchases of new books for the library answer 75 percentage next question what is the maximum amount

that can be paid to the family of a government servant who dies in harness at his place of Duty at trivandrum for transportation of his body to his native place of palakkad and Sir ta eligible for the journey after retirement next question a government servant applied for house building advance in

July 2015. with effective from first September 2015 he is working on deputation in Kerala University what is the condition under which house building advance can be sanctioned to him after 1st September 2015. answer the repayment During the period of deputation is to be guaranteed by University

next question what is the maximum number of installments allowed for repayment of cycle Advance taken by a permanent last great servant answer 20. next question the recovery of onam Advance will be noted in a recovery register to be maintained in the prescribed form who is the officer authorized to

maintain this register answer drawing officer next question an LD clerk in collectorate trivandrum was transferred to collectorate malappuram from 15 November 2015. salary up to 15 November 2015 and advanced pay was paid to him at the time of transfer how the advanced pay should be recovered answer

recovery to be made in three monthly installments from the salary of December 2015 onwards next question what is the rate of interest for the advance for purchase of mosquito Nets answer the advance is interest free deposit answer deposits of gemi Karam collections next question an office salary

bill for 4 lakh 25 000 Rupees is to be encashed from a Treasury the offices required for carrying the money from the Treasury to the office is employee next question a loss of some public money is suspected in a taluk office ilda the loss is confirmed what is the

action to be taken by the dasilda answer a preliminary report should be sent to the accountant General and through the collector to the head of Department next question a portion of a building in a high school was damaged due to lightning what is the immediate action to be taken by the Headmaster

answer should be reported immediately to the district educational officer and to the director of Public Instruction next question some government Landis proposed to be transferred to a commercial Department who is the officer all the Rays did to fix the value of the land answer District collector

next question who is the treasurer of charitable endowments in the state answer director local fund audit Department next question the list showing details of Records ordered to be destroyed should Dash answer never be destroyed next question a written government servant residing at parashala and

drawing pension from Treasury parashala dies on 1st December 2015. who is the authority to report his death to the sub treachery officer parashala answer Village officer parashala next question the auditor stores and stock accounts in an office will be conducted by the controller

and auditor general in accordance with the provisions in dash answer clones 17 of c and ages act 1970 on next question an advertisement is proposed to be published in news Purpose By A government Department who is the authority to approve the rate of advertisement charges answer director

information and Public Relation Department next question which one of the following offices is not authorized to in the Secret Service expenditure answer controller of examination Kerala Public Service Commission next question an advanced amount will be given to the family of a government servant

who dies while in service in deserving cases the authority to take decision for payment of the advance is answer head of office or Department next question Arnold requirements of stores or articles required for each office for each Financial year should be prepared in the prescribed form and sent

it to the competent Authority note later than answer first February of previous Financial year who is the officer or the residue to address the entries regarding deduction of Lac premium of a non-gazette officer answer drawing officer next question if Lac premium is to be deducted from the salary

of a non-gasited officer he should inform his drawing officer once deduction is started from the salary it is the duty of days to ensure that the premium is detected from the salary every month answer policy holder next question the washing charges of uniforms supplied to last grade servants will

be made from and some office expenses next question when does a claim for traveling elements will become due for payment answer immediately after the close of the month in which Jane is performed next question a government servant dissect 5 am on 30th November 2015. his eligibility for paid

allowances for the month is 4 days Days answer 30 days next question a responsible officer of a government Department should inspect all perishable once in dash answer every half year next question for departmentally executed Works separate Master roles should be prepared for days answer every

month next question who is the authority Combi tend to sanction discretionary grants in addition to the offices in the Revenue department answer the governor next question what is the amount of annual contribution payable to the tramangur devasam board by the government as per the

provision in the constitution of India answer 46.5 lakhs rupees next question Desh is not an endurance bearing advance Kerala Financial code exam um foreign foreign

Now that you’re fully informed, check out this amazing video on Kerala financial code / 50 Expected Questions. With over 46631 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#Kerala #financial #code #Expected #Questions

https://cashnews.co/finance/kerala-financial-code-50-expected-questions-finance/

#1a73e8 #333 #Code #Expected #finance #Financial #Kerala #Questions

foreign answer executive engineer of Public Works division next question who is the officer authorized to communicate to the accountant General copies of orders sanctioning expenditure answer the authority which Accords sanction next question what is the period of limitation in respect of

Ideal claims of pension answer 12 years next question what is the due date of disbursement of monthly salary of employees in legal Metrology Department answer third working day of the next month next question who is the officer authorized to maintain the register of increments of non-gusseted

offices of an office answer drawing officer next question the whole of the attachable portion of the salary of a non-gasseted officer is under attachment a demand from a Cooperative Society is received for attaching some amount from his salary what is the action to be taken by the drawing and

disbursing officer answer the amount should be recovered from the portion of salary not liable to attachment next question funds are available in a department for recurring supplies required for normal functioning of the department who is the officer competent to account administrative sanction in

such cases answer head of Department next question what is the period up to which products manufactured by a state government department will be purchased from them exclusively after they have gone into production answer for the first five years next question the cost of tender firms will be

accepted in days answer in cash or money order only next question the communication of the reason for rejection of a tender to the tenderer is answer not allowed next question a contractor is bound to accept any order for supply of any quantity of stores if he has settled for a dash answer rate

contract next question a complete physical verification of stock kept in the stationary Department should be verified on scene answer two years next question payment to the contractor by the purchasing officer will not be made answer in cash next question the custodian of electrical installation of

a government building occupied by a government office will be answer head of office next question and say general rule all wages will be forfeited if not claimed Within answer three months next question if Government materials are supplied to a contractor in special circumstances the cost will be

recovered from him answer full amount next question annual grants to libraries from government will be governed by certain rules one of the rules stipulates that dash of the grant should be used for purchases of new books for the library answer 75 percentage next question what is the maximum amount

that can be paid to the family of a government servant who dies in harness at his place of Duty at trivandrum for transportation of his body to his native place of palakkad and Sir ta eligible for the journey after retirement next question a government servant applied for house building advance in

July 2015. with effective from first September 2015 he is working on deputation in Kerala University what is the condition under which house building advance can be sanctioned to him after 1st September 2015. answer the repayment During the period of deputation is to be guaranteed by University

next question what is the maximum number of installments allowed for repayment of cycle Advance taken by a permanent last great servant answer 20. next question the recovery of onam Advance will be noted in a recovery register to be maintained in the prescribed form who is the officer authorized to

maintain this register answer drawing officer next question an LD clerk in collectorate trivandrum was transferred to collectorate malappuram from 15 November 2015. salary up to 15 November 2015 and advanced pay was paid to him at the time of transfer how the advanced pay should be recovered answer

recovery to be made in three monthly installments from the salary of December 2015 onwards next question what is the rate of interest for the advance for purchase of mosquito Nets answer the advance is interest free deposit answer deposits of gemi Karam collections next question an office salary

bill for 4 lakh 25 000 Rupees is to be encashed from a Treasury the offices required for carrying the money from the Treasury to the office is employee next question a loss of some public money is suspected in a taluk office ilda the loss is confirmed what is the

action to be taken by the dasilda answer a preliminary report should be sent to the accountant General and through the collector to the head of Department next question a portion of a building in a high school was damaged due to lightning what is the immediate action to be taken by the Headmaster

answer should be reported immediately to the district educational officer and to the director of Public Instruction next question some government Landis proposed to be transferred to a commercial Department who is the officer all the Rays did to fix the value of the land answer District collector

next question who is the treasurer of charitable endowments in the state answer director local fund audit Department next question the list showing details of Records ordered to be destroyed should Dash answer never be destroyed next question a written government servant residing at parashala and

drawing pension from Treasury parashala dies on 1st December 2015. who is the authority to report his death to the sub treachery officer parashala answer Village officer parashala next question the auditor stores and stock accounts in an office will be conducted by the controller

and auditor general in accordance with the provisions in dash answer clones 17 of c and ages act 1970 on next question an advertisement is proposed to be published in news Purpose By A government Department who is the authority to approve the rate of advertisement charges answer director

information and Public Relation Department next question which one of the following offices is not authorized to in the Secret Service expenditure answer controller of examination Kerala Public Service Commission next question an advanced amount will be given to the family of a government servant

who dies while in service in deserving cases the authority to take decision for payment of the advance is answer head of office or Department next question Arnold requirements of stores or articles required for each office for each Financial year should be prepared in the prescribed form and sent

it to the competent Authority note later than answer first February of previous Financial year who is the officer or the residue to address the entries regarding deduction of Lac premium of a non-gazette officer answer drawing officer next question if Lac premium is to be deducted from the salary

of a non-gasited officer he should inform his drawing officer once deduction is started from the salary it is the duty of days to ensure that the premium is detected from the salary every month answer policy holder next question the washing charges of uniforms supplied to last grade servants will

be made from and some office expenses next question when does a claim for traveling elements will become due for payment answer immediately after the close of the month in which Jane is performed next question a government servant dissect 5 am on 30th November 2015. his eligibility for paid

allowances for the month is 4 days Days answer 30 days next question a responsible officer of a government Department should inspect all perishable once in dash answer every half year next question for departmentally executed Works separate Master roles should be prepared for days answer every

month next question who is the authority Combi tend to sanction discretionary grants in addition to the offices in the Revenue department answer the governor next question what is the amount of annual contribution payable to the tramangur devasam board by the government as per the

provision in the constitution of India answer 46.5 lakhs rupees next question Desh is not an endurance bearing advance Kerala Financial code exam um foreign foreign

Now that you’re fully informed, check out this amazing video on Kerala financial code / 50 Expected Questions. With over 46631 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#Kerala #financial #code #Expected #Questions

https://cashnews.co/finance/kerala-financial-code-50-expected-questions-finance/

#1a73e8 #333 #Code #Expected #finance #Financial #Kerala #Questions

foreign answer executive engineer of Public Works division next question who is the officer authorized to communicate to the accountant General copies of orders sanctioning expenditure answer the authority which Accords sanction next question what is the period of limitation in respect of

Ideal claims of pension answer 12 years next question what is the due date of disbursement of monthly salary of employees in legal Metrology Department answer third working day of the next month next question who is the officer authorized to maintain the register of increments of non-gusseted

offices of an office answer drawing officer next question the whole of the attachable portion of the salary of a non-gasseted officer is under attachment a demand from a Cooperative Society is received for attaching some amount from his salary what is the action to be taken by the drawing and

disbursing officer answer the amount should be recovered from the portion of salary not liable to attachment next question funds are available in a department for recurring supplies required for normal functioning of the department who is the officer competent to account administrative sanction in

such cases answer head of Department next question what is the period up to which products manufactured by a state government department will be purchased from them exclusively after they have gone into production answer for the first five years next question the cost of tender firms will be

accepted in days answer in cash or money order only next question the communication of the reason for rejection of a tender to the tenderer is answer not allowed next question a contractor is bound to accept any order for supply of any quantity of stores if he has settled for a dash answer rate

contract next question a complete physical verification of stock kept in the stationary Department should be verified on scene answer two years next question payment to the contractor by the purchasing officer will not be made answer in cash next question the custodian of electrical installation of

a government building occupied by a government office will be answer head of office next question and say general rule all wages will be forfeited if not claimed Within answer three months next question if Government materials are supplied to a contractor in special circumstances the cost will be

recovered from him answer full amount next question annual grants to libraries from government will be governed by certain rules one of the rules stipulates that dash of the grant should be used for purchases of new books for the library answer 75 percentage next question what is the maximum amount

that can be paid to the family of a government servant who dies in harness at his place of Duty at trivandrum for transportation of his body to his native place of palakkad and Sir ta eligible for the journey after retirement next question a government servant applied for house building advance in

July 2015. with effective from first September 2015 he is working on deputation in Kerala University what is the condition under which house building advance can be sanctioned to him after 1st September 2015. answer the repayment During the period of deputation is to be guaranteed by University

next question what is the maximum number of installments allowed for repayment of cycle Advance taken by a permanent last great servant answer 20. next question the recovery of onam Advance will be noted in a recovery register to be maintained in the prescribed form who is the officer authorized to

maintain this register answer drawing officer next question an LD clerk in collectorate trivandrum was transferred to collectorate malappuram from 15 November 2015. salary up to 15 November 2015 and advanced pay was paid to him at the time of transfer how the advanced pay should be recovered answer

recovery to be made in three monthly installments from the salary of December 2015 onwards next question what is the rate of interest for the advance for purchase of mosquito Nets answer the advance is interest free deposit answer deposits of gemi Karam collections next question an office salary

bill for 4 lakh 25 000 Rupees is to be encashed from a Treasury the offices required for carrying the money from the Treasury to the office is employee next question a loss of some public money is suspected in a taluk office ilda the loss is confirmed what is the

action to be taken by the dasilda answer a preliminary report should be sent to the accountant General and through the collector to the head of Department next question a portion of a building in a high school was damaged due to lightning what is the immediate action to be taken by the Headmaster

answer should be reported immediately to the district educational officer and to the director of Public Instruction next question some government Landis proposed to be transferred to a commercial Department who is the officer all the Rays did to fix the value of the land answer District collector

next question who is the treasurer of charitable endowments in the state answer director local fund audit Department next question the list showing details of Records ordered to be destroyed should Dash answer never be destroyed next question a written government servant residing at parashala and

drawing pension from Treasury parashala dies on 1st December 2015. who is the authority to report his death to the sub treachery officer parashala answer Village officer parashala next question the auditor stores and stock accounts in an office will be conducted by the controller

and auditor general in accordance with the provisions in dash answer clones 17 of c and ages act 1970 on next question an advertisement is proposed to be published in news Purpose By A government Department who is the authority to approve the rate of advertisement charges answer director

information and Public Relation Department next question which one of the following offices is not authorized to in the Secret Service expenditure answer controller of examination Kerala Public Service Commission next question an advanced amount will be given to the family of a government servant

who dies while in service in deserving cases the authority to take decision for payment of the advance is answer head of office or Department next question Arnold requirements of stores or articles required for each office for each Financial year should be prepared in the prescribed form and sent

it to the competent Authority note later than answer first February of previous Financial year who is the officer or the residue to address the entries regarding deduction of Lac premium of a non-gazette officer answer drawing officer next question if Lac premium is to be deducted from the salary

of a non-gasited officer he should inform his drawing officer once deduction is started from the salary it is the duty of days to ensure that the premium is detected from the salary every month answer policy holder next question the washing charges of uniforms supplied to last grade servants will

be made from and some office expenses next question when does a claim for traveling elements will become due for payment answer immediately after the close of the month in which Jane is performed next question a government servant dissect 5 am on 30th November 2015. his eligibility for paid

allowances for the month is 4 days Days answer 30 days next question a responsible officer of a government Department should inspect all perishable once in dash answer every half year next question for departmentally executed Works separate Master roles should be prepared for days answer every

month next question who is the authority Combi tend to sanction discretionary grants in addition to the offices in the Revenue department answer the governor next question what is the amount of annual contribution payable to the tramangur devasam board by the government as per the

provision in the constitution of India answer 46.5 lakhs rupees next question Desh is not an endurance bearing advance Kerala Financial code exam um foreign foreign

Now that you’re fully informed, check out this amazing video on Kerala financial code / 50 Expected Questions. With over 46631 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#Kerala #financial #code #Expected #Questions

https://cashnews.co/finance/kerala-financial-code-50-expected-questions-finance/

#1a73e8 #333 #Code #Expected #finance #Financial #Kerala #Questions

foreign answer executive engineer of Public Works division next question who is the officer authorized to communicate to the accountant General copies of orders sanctioning expenditure answer the authority which Accords sanction next question what is the period of limitation in respect of

Ideal claims of pension answer 12 years next question what is the due date of disbursement of monthly salary of employees in legal Metrology Department answer third working day of the next month next question who is the officer authorized to maintain the register of increments of non-gusseted

offices of an office answer drawing officer next question the whole of the attachable portion of the salary of a non-gasseted officer is under attachment a demand from a Cooperative Society is received for attaching some amount from his salary what is the action to be taken by the drawing and

disbursing officer answer the amount should be recovered from the portion of salary not liable to attachment next question funds are available in a department for recurring supplies required for normal functioning of the department who is the officer competent to account administrative sanction in

such cases answer head of Department next question what is the period up to which products manufactured by a state government department will be purchased from them exclusively after they have gone into production answer for the first five years next question the cost of tender firms will be

accepted in days answer in cash or money order only next question the communication of the reason for rejection of a tender to the tenderer is answer not allowed next question a contractor is bound to accept any order for supply of any quantity of stores if he has settled for a dash answer rate

contract next question a complete physical verification of stock kept in the stationary Department should be verified on scene answer two years next question payment to the contractor by the purchasing officer will not be made answer in cash next question the custodian of electrical installation of

a government building occupied by a government office will be answer head of office next question and say general rule all wages will be forfeited if not claimed Within answer three months next question if Government materials are supplied to a contractor in special circumstances the cost will be

recovered from him answer full amount next question annual grants to libraries from government will be governed by certain rules one of the rules stipulates that dash of the grant should be used for purchases of new books for the library answer 75 percentage next question what is the maximum amount

that can be paid to the family of a government servant who dies in harness at his place of Duty at trivandrum for transportation of his body to his native place of palakkad and Sir ta eligible for the journey after retirement next question a government servant applied for house building advance in

July 2015. with effective from first September 2015 he is working on deputation in Kerala University what is the condition under which house building advance can be sanctioned to him after 1st September 2015. answer the repayment During the period of deputation is to be guaranteed by University

next question what is the maximum number of installments allowed for repayment of cycle Advance taken by a permanent last great servant answer 20. next question the recovery of onam Advance will be noted in a recovery register to be maintained in the prescribed form who is the officer authorized to

maintain this register answer drawing officer next question an LD clerk in collectorate trivandrum was transferred to collectorate malappuram from 15 November 2015. salary up to 15 November 2015 and advanced pay was paid to him at the time of transfer how the advanced pay should be recovered answer

recovery to be made in three monthly installments from the salary of December 2015 onwards next question what is the rate of interest for the advance for purchase of mosquito Nets answer the advance is interest free deposit answer deposits of gemi Karam collections next question an office salary

bill for 4 lakh 25 000 Rupees is to be encashed from a Treasury the offices required for carrying the money from the Treasury to the office is employee next question a loss of some public money is suspected in a taluk office ilda the loss is confirmed what is the

action to be taken by the dasilda answer a preliminary report should be sent to the accountant General and through the collector to the head of Department next question a portion of a building in a high school was damaged due to lightning what is the immediate action to be taken by the Headmaster

answer should be reported immediately to the district educational officer and to the director of Public Instruction next question some government Landis proposed to be transferred to a commercial Department who is the officer all the Rays did to fix the value of the land answer District collector

next question who is the treasurer of charitable endowments in the state answer director local fund audit Department next question the list showing details of Records ordered to be destroyed should Dash answer never be destroyed next question a written government servant residing at parashala and

drawing pension from Treasury parashala dies on 1st December 2015. who is the authority to report his death to the sub treachery officer parashala answer Village officer parashala next question the auditor stores and stock accounts in an office will be conducted by the controller

and auditor general in accordance with the provisions in dash answer clones 17 of c and ages act 1970 on next question an advertisement is proposed to be published in news Purpose By A government Department who is the authority to approve the rate of advertisement charges answer director

information and Public Relation Department next question which one of the following offices is not authorized to in the Secret Service expenditure answer controller of examination Kerala Public Service Commission next question an advanced amount will be given to the family of a government servant

who dies while in service in deserving cases the authority to take decision for payment of the advance is answer head of office or Department next question Arnold requirements of stores or articles required for each office for each Financial year should be prepared in the prescribed form and sent

it to the competent Authority note later than answer first February of previous Financial year who is the officer or the residue to address the entries regarding deduction of Lac premium of a non-gazette officer answer drawing officer next question if Lac premium is to be deducted from the salary

of a non-gasited officer he should inform his drawing officer once deduction is started from the salary it is the duty of days to ensure that the premium is detected from the salary every month answer policy holder next question the washing charges of uniforms supplied to last grade servants will

be made from and some office expenses next question when does a claim for traveling elements will become due for payment answer immediately after the close of the month in which Jane is performed next question a government servant dissect 5 am on 30th November 2015. his eligibility for paid

allowances for the month is 4 days Days answer 30 days next question a responsible officer of a government Department should inspect all perishable once in dash answer every half year next question for departmentally executed Works separate Master roles should be prepared for days answer every

month next question who is the authority Combi tend to sanction discretionary grants in addition to the offices in the Revenue department answer the governor next question what is the amount of annual contribution payable to the tramangur devasam board by the government as per the

provision in the constitution of India answer 46.5 lakhs rupees next question Desh is not an endurance bearing advance Kerala Financial code exam um foreign foreign

Now that you’re fully informed, check out this amazing video on Kerala financial code / 50 Expected Questions. With over 46631 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#Kerala #financial #code #Expected #Questions

https://cashnews.co/finance/kerala-financial-code-50-expected-questions-finance/

#1a73e8 #333 #Code #Expected #finance #Financial #Kerala #Questions

foreign answer executive engineer of Public Works division next question who is the officer authorized to communicate to the accountant General copies of orders sanctioning expenditure answer the authority which Accords sanction next question what is the period of limitation in respect of

Ideal claims of pension answer 12 years next question what is the due date of disbursement of monthly salary of employees in legal Metrology Department answer third working day of the next month next question who is the officer authorized to maintain the register of increments of non-gusseted

offices of an office answer drawing officer next question the whole of the attachable portion of the salary of a non-gasseted officer is under attachment a demand from a Cooperative Society is received for attaching some amount from his salary what is the action to be taken by the drawing and

disbursing officer answer the amount should be recovered from the portion of salary not liable to attachment next question funds are available in a department for recurring supplies required for normal functioning of the department who is the officer competent to account administrative sanction in

such cases answer head of Department next question what is the period up to which products manufactured by a state government department will be purchased from them exclusively after they have gone into production answer for the first five years next question the cost of tender firms will be

accepted in days answer in cash or money order only next question the communication of the reason for rejection of a tender to the tenderer is answer not allowed next question a contractor is bound to accept any order for supply of any quantity of stores if he has settled for a dash answer rate

contract next question a complete physical verification of stock kept in the stationary Department should be verified on scene answer two years next question payment to the contractor by the purchasing officer will not be made answer in cash next question the custodian of electrical installation of

a government building occupied by a government office will be answer head of office next question and say general rule all wages will be forfeited if not claimed Within answer three months next question if Government materials are supplied to a contractor in special circumstances the cost will be

recovered from him answer full amount next question annual grants to libraries from government will be governed by certain rules one of the rules stipulates that dash of the grant should be used for purchases of new books for the library answer 75 percentage next question what is the maximum amount

that can be paid to the family of a government servant who dies in harness at his place of Duty at trivandrum for transportation of his body to his native place of palakkad and Sir ta eligible for the journey after retirement next question a government servant applied for house building advance in

July 2015. with effective from first September 2015 he is working on deputation in Kerala University what is the condition under which house building advance can be sanctioned to him after 1st September 2015. answer the repayment During the period of deputation is to be guaranteed by University

next question what is the maximum number of installments allowed for repayment of cycle Advance taken by a permanent last great servant answer 20. next question the recovery of onam Advance will be noted in a recovery register to be maintained in the prescribed form who is the officer authorized to

maintain this register answer drawing officer next question an LD clerk in collectorate trivandrum was transferred to collectorate malappuram from 15 November 2015. salary up to 15 November 2015 and advanced pay was paid to him at the time of transfer how the advanced pay should be recovered answer

recovery to be made in three monthly installments from the salary of December 2015 onwards next question what is the rate of interest for the advance for purchase of mosquito Nets answer the advance is interest free deposit answer deposits of gemi Karam collections next question an office salary

bill for 4 lakh 25 000 Rupees is to be encashed from a Treasury the offices required for carrying the money from the Treasury to the office is employee next question a loss of some public money is suspected in a taluk office ilda the loss is confirmed what is the

action to be taken by the dasilda answer a preliminary report should be sent to the accountant General and through the collector to the head of Department next question a portion of a building in a high school was damaged due to lightning what is the immediate action to be taken by the Headmaster

answer should be reported immediately to the district educational officer and to the director of Public Instruction next question some government Landis proposed to be transferred to a commercial Department who is the officer all the Rays did to fix the value of the land answer District collector

next question who is the treasurer of charitable endowments in the state answer director local fund audit Department next question the list showing details of Records ordered to be destroyed should Dash answer never be destroyed next question a written government servant residing at parashala and

drawing pension from Treasury parashala dies on 1st December 2015. who is the authority to report his death to the sub treachery officer parashala answer Village officer parashala next question the auditor stores and stock accounts in an office will be conducted by the controller

and auditor general in accordance with the provisions in dash answer clones 17 of c and ages act 1970 on next question an advertisement is proposed to be published in news Purpose By A government Department who is the authority to approve the rate of advertisement charges answer director

information and Public Relation Department next question which one of the following offices is not authorized to in the Secret Service expenditure answer controller of examination Kerala Public Service Commission next question an advanced amount will be given to the family of a government servant

who dies while in service in deserving cases the authority to take decision for payment of the advance is answer head of office or Department next question Arnold requirements of stores or articles required for each office for each Financial year should be prepared in the prescribed form and sent

it to the competent Authority note later than answer first February of previous Financial year who is the officer or the residue to address the entries regarding deduction of Lac premium of a non-gazette officer answer drawing officer next question if Lac premium is to be deducted from the salary

of a non-gasited officer he should inform his drawing officer once deduction is started from the salary it is the duty of days to ensure that the premium is detected from the salary every month answer policy holder next question the washing charges of uniforms supplied to last grade servants will

be made from and some office expenses next question when does a claim for traveling elements will become due for payment answer immediately after the close of the month in which Jane is performed next question a government servant dissect 5 am on 30th November 2015. his eligibility for paid

allowances for the month is 4 days Days answer 30 days next question a responsible officer of a government Department should inspect all perishable once in dash answer every half year next question for departmentally executed Works separate Master roles should be prepared for days answer every

month next question who is the authority Combi tend to sanction discretionary grants in addition to the offices in the Revenue department answer the governor next question what is the amount of annual contribution payable to the tramangur devasam board by the government as per the

provision in the constitution of India answer 46.5 lakhs rupees next question Desh is not an endurance bearing advance Kerala Financial code exam um foreign foreign

Now that you’re fully informed, check out this amazing video on Kerala financial code / 50 Expected Questions. With over 46631 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#Kerala #financial #code #Expected #Questions

https://cashnews.co/finance/kerala-financial-code-50-expected-questions-finance/

#1a73e8 #333 #Code #Expected #finance #Financial #Kerala #Questions

सो हेलो दोस्तों वेलकम बैक टू माय न्यू वीडियो आज इस वीडियो में हम लोग दो स्टॉक के रिगार्डिंग डिटेल वे में बात

करेंगे अगर आप लोगों ने dmaj7 तो एगजैक्टली क्या वही रीजन है जिसके चलते स्टॉक नीचे गिर रहा है अगर वही रीजन है तो आगे हम

लोगों को किस तरीके से स्टॉक को डील करना है सारा कुछ मैं आपको बताने वाला हूं देखिए मैं अभी ही स्टार्टिंग में आपको

बता दे रहा हूं कि यह जो क्वालिटी कंटेंट मैं आपको प्रोवाइड करके दे रहा हूं यह शायद आपको वीडियोज अपलोड नहीं करता हूं

तो चलिए सबसे पहला स्टॉक हमारे लिस्ट में एवेन्यू सुपरमार्ट्स यानी dm4 पर डाउन था मैंने कल के दिन वीडियो अपलोड किया था

किया था जहां पे टेक्निकल को मैंने कवर किया था बहुत से लोगों ने कमेंट किया कि सर यहां पे बिजनेस अपडेट को भी एक बार देख

ली देख लीजिए क्योंकि खराब क्वार्टर टू के बिजनेस अपडेट के चलते यहां पे नेगेटिव प्रेशर देखने को मिल रहा है चलिए एक

बार इनके क्वार्टर टू के बिजनेस अपडेट को देख लेते हैं तो यहां पे आप देखोगे तो कंपनी कंपनी का जो स्टैंड अलोन रेवेन्यू

है वो ईयर ऑन ईयर बेसिस में 14 पर से इंक्रीज हुआ है एंड न्यू स्टोर्स भी इन्होंने अच्छा खासा ऐड करा है इस क्वार्टर टू के

दौरान तो टोटल नंबर ऑफ स्टोर्स जो है वो 377 हो गया है कंपनी का अब देखिए अगर मैं आपसे पूछूं कि यह बिजनेस अपडेट के जरिए आप

बताओ कि एक्चुअली में कंपनी का बिजनेस अच्छा परफॉर्म किया या नहीं कोई नहीं बता पाएगा और वही जब स्टॉक प्राइस नीचे गिर

जाता है तो सारे लोग कहने लग जाते हैं कि हां खराब आया था बिजनेस अपडेट इसलिए स्टॉक नीचे गिर गया और वही अगर स्टॉक बहुत

तेज रफ्तार में ऊपर की ओर मूव करता तो सारे लोग कहते कि बिजनेस अपडेट अच्छा है इसलिए स्टॉक ऊपर की ओर मूव किया है सिंपल

सा कांसेप्ट है दोस्तों यही चीजें सारी लोग करते हैं स्टॉक का मूवमेंट के बाद वो लोग अपना एनालिसिस पेश करते हैं जब कोई

बिजनेस अपडेट या फिर क्वार्टरली रिजल्ट आ जाता है उसके बाद वो लोग स्टॉक के मूवमेंट को देखते हैं एंड स्टॉक के मूवमेंट

के अकॉर्डिंग वो लोग अपना राय पेश करते हैं तो ये कंफ्यूजन में आप आपको नहीं फंसना है दोस्तों नहीं तो बार-बार गलत

डिसीजन आप लेते रहोगे एक चीज मैं आपसे पूछना चाहूंगा कि अगर सही में dm6 दिन से क्यों नीचे गिर रहा है यह भी तो मैं आपसे

पूछना चाहूंगा ना ये तो क्वार्टर टू बिजनेस अपडेट के चलते इस दिन फ्राइडे के दिन शार्प सेलिंग हुआ है मगर अगर देखा जाए

तो स्टॉक तो पिछले पाछ दिन से कंटीन्यूअसली नीचे गिर रहा है तो मैं कैसे एगजैक्टली इसी रीजन को ब्लेम कर दूं कि नहीं

भाई बिजनेस अपडेट के चलते ही ही स्टॉक नीचे गिरा है एंड एक और चीज मैं आपको कहना चाहूंगा कि जब स्टॉक लगातार अपने ऑल

टाइम हाई से नीचे की ओर गिर रहा था तो उस दौरान भी अनेक स्टोर्स ओपन किए जा रहे थे ऐड किए जा रहे थे ना तो हेडलाइंस बन जा

रहा था वो न्यूज़ का आप समझ रहे हो ना सेम नंबर ऑफ स्टोर्स डाउन ट्रेंड के समय भी ओपन किए जा रहे थे नहीं तो कल आपको यह चीज

समझ में आ ही जाएगा आप मार्केट में समय बिताओ आपको खुद से पता चल जाएगा अगर क्वार्टर टू के बिजनेस अपडेट के चलते स्टॉक

को नीचे गिरना रहता तो सिर्फ फ्राइडे के दिन नीचे गिरता मगर यह स्टॉक पिछले कुछ दिनों से कंटीन्यूअसली नीचे की ओर गिर

रहा था इसका मतलब स्टॉक में पहले से ही सेलिंग हो रहा है और मैं अभी ही आपको कहना चाहूंगा कि कैसा भी इनका बिजनेस अपडेट

हो स्टॉक में बड़ा करेक्शन नहीं आएगा ठीक है क्योंकि आगे आने वाले क्वार्टरली रिजल्ट्स सारे फैक्टर्स प्राइस ड इन हो

चुके रहते हैं आप अभी देख रहे हो कि कंपनी का बिजनेस कैसा परफॉर्म कर रहा है मगर मार्केट के जो बड़े प्लेयर्स हैं वो

ऑलरेडी इस चीज का एनालिसिस कुछ क्वार्टर्स पहले ही करके बैठे हुए रहते हैं एंड उस हिसाब से स्टॉक को वैल्यूएशन भी मिल

चुका रहता है अब आप यह मत समझना कि आने वाले समय में क्वार्टरली रिजल्ट अच्छे आएंगे तो वहां पे आप बाइंग करोगे और आप देख

लो तो ऑलरेडी लोअर लेवल से स्टॉक में जबरदस्त बाइंग स्टार्ट हो चुका है तो ये चीज आपको मानना पड़ेगा दोस्तों कि स्टॉक

में सिंपली बाइंग और सेलिंग भी होता है बस फर्क यह है कि जब बाइंग या फिर सेलिंग होता है तो ज्यादातर रिटेल इन्वेस्टर्स

वेबसाइट्स एंड इंटरनेट पे नेगेटिव या फिर पॉजिटिव आर्टिकल्स ढूंढने लग जाते हैं एंड न्यूज़ चैनल्स को तो अपना धंधा

चलाना है तो इसीलिए वोह लोग कोई भी अपडेट को उस मूवमेंट से लिंक कर लेते हैं अगर यही फिर इंटरनेट पे एग्जैक्ट रीजन सर्च

करना छोड़ दोगे तो वो लोग भी अननेसेसरीली मूवमेंट को मूवमेंट को न्यूज़ आर्टिकल से लिंक नहीं करेंगे तो देखिए भले ही

मेरा जो कहने का मकसद है वह क्लियर ना हो मैं अच्छे से समझा नहीं पा रहा हूं क्योंकि एक्सप्लेनेशन मेरा उतना अच्छा रहता

नहीं है मगर फिर भी आप समझो मेरे भावनाओं को कि क्या मैं आपको कहने की कोशिश कर रहा हूं हर मूवमेंट को यहां पे

क्वार्टरली रिजल्ट्स एंड फंडामेंटल से लिंक करने की जरूरत नहीं है एंड सेम चीज यहां पे बजज फाइनेंस स्टॉक के

रिगार्डिंग भी मैं कहना चाहूंगा कल के दिन अपडेट ही आ रहा है क्या कि स्टॉक एगजैक्टली यहां से ऊपर उठ जा रहा है

एगजैक्टली यहां से नीचे गिर रहा है व्हाट इज परफे मतलब कितना परफेक्ट टाइमिंग है आप समझ रहे हो ना अगर सही में न्यूज़

बेसिस या फिर किसी फंडामेंटल के रिगार्डिंग के चलते स्टॉक ऊपर नीचे हो रहा है तो फिर टाइमिंग तो बहुत बढ़िया है

क्योंकि एगजैक्टली 8000 के लेवल पे कुछ नेगेटिव अपडेट आ रहा है बार-बार पांच-छह बार और एगजैक्टली स्ट्रेंड लाइन के पास

आते ही कुछ पॉजिटिव अपडेट आ रहा है तो इसीलिए मैं कह रहा हूं दोस्तों कि सिंपली यहां पे क्वार्टर टू के बिजनेस अपडेट को

आप दोष मत दो मार्केट का सेंटीमेंट को आप आप देखो मार्केट ही सेलिंग प्रेशर फेस कर रहा है तो वहां पे आप bajaj

href="https://cashnews.co/finance" style="font-weight: bold; color: #1a73e8; text-decoration: none;">Finance.in ही नहीं बाकी के अनेक आपको बैंकिंग स्टॉक्स में भी सेम सिनेरियो

मिलेगा और यहां से अपने हाईयर लेवल से नीचे की ओर गिरना स्टार्ट कर गए तो पूरा सेंटीमेंट ही बैंकिंग स्टॉक्स का

नेगेटिव था फ्राइडे के दिन तो सिंपली आप की शुरुआत हुई एगजैक्टली लाइक बजज फाइनेंस चार्ट तो यह चीज आप एडमिट करो कि

फ्राइडे के दिन सिर्फ बिजनेस अपडेट ही नहीं बल्कि सेंटीमेंट ही नेगेटिव था स्पेशली बैंकिंग स्टॉक्स का तो इसीलिए

स्टॉक में करेक्शन हुआ है और यहां पे रिजल्ट उतने खराब नहीं आए हैं आप यह चीज मानो कि ये जो रिजल्ट मॉडरेट आप देख रहे हो

ना बिजनेस अपडेट जो एकदम नॉर्मल आ रहा है कुछ खास ग्रोथ नहीं मिल रहा है कंपनी का तो वो ऑलरेडी सारे फैक्टर्स प्राइस ड

इन हो चुके हैं यही सारे ग्रोथ के चलते तो स्टॉक इतने लंबे समय से अंडर परफॉर्म कर रहा था अब आप ये यह मत समझो कि बड़े

प्लेयर्स को एकदम अलग लग रहा है इनके क्वार्टरली रिजल्ट्स को देखने के बाद उन सभी लोगों को पहले से पता था इसलिए तो

स्टॉक में कुछ खास मोमेंटम हुआ नहीं पिछले दो-तीन सालों से तो आई होप ये चीज आप समझ रहे हो अल्टीमेटली एक ही वर्ड लाइन

में कहना चाहूंगा कि सारे फ्यूचर फैक्टर्स ऑलरेडी स्टॉक्स में प्राइड इन हो चुके हैं फर्क यह है कि बड़े प्लेयर्स

पहले ही डिसीजन ले लेते हैं आगे का एनालिसिस करने के बाद एंड हम लोग जब एगजैक्टली कुछ आर्टिकल या फिर अपडेट पब्लिश होता

है उसके बाद डिसीजन लेते हैं और इसीलिए हम लोग अक्सर लेट हो जा जाते हैं स्टॉक में बाइंग या सेलिंग करने से तो चलिए अब

मिलता हूं नेक्स्ट वीडियो में कोई भी डाउट है तो आप कमेंट कीजिए अगर मैं गलत हूं तो मुझे आप करेक्ट कीजिए कमेंट सेक्शन

में चलिए मिलता हूं नेक्स्ट वीडियो के साथ ओके देन बायबाय

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#1a73e8 #333 #Bajaj #finance #Latest #market #shareBajaj #shareDmart #updateDmart #updateStock

do you know that the Nigerian investment Market will make you richer than the US market this year alone Nigerian Market has returned about 30% that’s the Stock Market and US market S&P 500 about 16% listen I’m not trying to do a comparison between the two

countries this one is better or the other one is better no I just want you to know the kind of money you can make investing in Nigerian market and in this CashNews.co I’m going to show you five different Investments we can make with as little as 100,000 naira whether you a

Nigeria living in diaspora or a Nigerian living in the country this CashNews.co is for you people are making good passive Income invested in here in Nigeria you are going to be one of them shortly and number three please watch to the third one because that is one you can start

right a week just you can do it in few minutes I am Financial Jennifer a accountant an investment banker a stock Broker when it comes to investment passive Income call me and in this community we make money moves only I bring to you the worth of knowledge and

experience I have got that advising the top 1% on their Portfolio I’m giving you all of that for free just one request could you please support this ministry by liking this CashNews.co yeah a thumbs up thank you so much it means so much to me have you done that I’m so

glad you’re part of this community and if you are new hit that subscribe button I promise you you are going to love it here our comment section is Vibes the money moves that happened here mindblowing so hit that subscribe button right away welcome to the community the first investment you can

make with 100,000 naira is fgn Savings bond what is fgn Savings bond this is like an investment initiative by the government in fact with as little as 5,000 naira you can do it if you not put 100K inside almost enjoyment will finish you right so with FJ Serv B it

happens once every month in fact I did a recent CashNews.co on the one for this month because on this channel whenever the new one comes up I notify us so if you’re not yet a member of this channel just hit the Subscribe button so you don’t miss out on any investment opportunity the

beautiful thing about this is a great way to end passive Income because with FJ Savings bond you invest once and that’s your investment you can do 2 years or three years but it should be paying you interest four times in a year right so interest are paid

quarterly let’s assume that you invest 100K and your interest is like 20,000 that means that 20,000 they will divide it into four first quarter you get 5K second quarter you get 5K just like that and it will happen like that for the first year second year third year at the end of the etal you

get back your Capital with investment you can eat your cake and have it again and that is the beautiful thing here and it is with the Nigerian government so the risk level is low C people canot see your 100,000 I run away because of it now right so this is a great investment

especially people looking for passive Income I have one of my clients she’s still she’s schooling abroad she does this what she needs to what she use it for she knows that each month it’s like paying herself salary she doesn’t even use it for herself mostly

she used it to tackle some of the bills you know her siblings that are billing her here so as the Income is going and she’s using it to settle them right so this is an amazing investment for you how do you key in so like I said before each month the subscription form comes

out the last CashNews.co I did I put the subscription link for you to follow because wherever you are you don’t need to be in Nigeria you can so why you f the form but you need a St a Broker account I have done a CashNews.co before on a Brokerage account all

you have to do is to download one of their app personally I use a investor 2.0 so once you download a invest 2.0 and sign up on it a invest automatically becomes your Broker right so whenever the offer is out they even used to send email with the link you follow the link you fill

up the subscription form you make your payment to your Brokerage account and that is that so yeah if you’re looking for a low risk investment that will pay you quarterly FG Savings bond is for you like I said just um be on the lookout on this channel put the

notification Bell on so that whenever it comes out every month I notify you oh before I forget um that if you’re not sure let’s say you have you have a particular amount you want to invest 1 million 5 million 20,000 naira you want to know how much interest it can pay you I know on the

past CashNews.co I have done on this I’m going to leave it in the description I shared my screen I showed you the calculator that a calculator we use all you have to do is just insert the amount you want to invest and then you see what is going to be but it’s so easy to calculate if the

interest rate is like 10% oh right now the interest rate is really very high I think the last one paid as high as 18% I remember when I joined Investment Bank and that times you can get like 7% 5% but now is really attractive right so all you just have to do is 18% 18% of your amount because

it’s like a full year you check it divide it into four that is what you’ll be getting the second investment you can make with $100,000 Nair is Treasury bill Treasury bill is like you lending money to the government but on the short term the previous one

I say you can do for 2 years or 3 years with Treasury bill is has to be less than one year you can do 3 months you can do do six months you can do seven months right the turn has to be less than one year and the interest rate right now is also very attractive in fact you can end as

high as 20% or even more right so with Treasury bills there are two ways you can go about it number one is for the those of you the do here that have up to 50 million right so with 50 million you can invest in the primary Market that is you are buying direct from the government you

can just reach out to any of your bank most commercial Banks run this but if you have less than um 50 million if you have $100,000 Na and above now all you have to do is go through your Brokerage and if you have a investor 2.0 app on the app you can just buy it seamlessly from the

platform right on my previous CashNews.co I shared the screen I showed you how to do it step by step I’m going to link it on the description as well listen on this channel we they talk I they show you I’m not one of those people that just tell you go and do this and I don’t tell

you how no and that’s the interesting thing about being an investment banker because these are things we do for our clients day on day right so I’ve done a tutorial CashNews.co step by step just if I’m repeating it here now it will be me repeating my myself but just go to the

description follow the um Treasury B CashNews.co and see how you can do it with your a investor app and like I tell you once to download a investor from Play Store Google Play Apple Store sign up automatically they become your Broker so yeah for um

Treasury bill when you invest it’s in bug on like s b they will split it no they’re not splitting anything if you invest 100K and they tell you your interest is 15,000 that means at the end of the T you get 115,000 money you didn’t work for okay basically your

money worked for you right that’s how was and actually there’s an interesting PA you could get the money ahead up front so you can decide to invest 100,000 today and you want the interest paid today that 15K you want to resist it today you can do that perfectly all you have to do is to

let them know that you are taking your interest up front so you just give 100k with them take your 15,000 naira and go away at the end of the 10 you come back for your invested Capital so yeah why not go get a investor or reach out to your Broker if you already

have one the third investment you can make with 100,000 naira is on a ptech platform so we have so many F platforms here in Nigeria we have Optimus we have um piggy vest we have cow wise there so many of them in fact ah God Jennifer you don’t do plenty things of this community so I have a

CashNews.co where I did a comparison like more like a review of the top seven and ftech platforms you can use to save and invest here in Nigeria I also link it in the description see if you’re on a money journey and in this community you have everything you need tell your people to pull up

okay so yeah any of the fch platform this is their rates are really competitive personally I use Optimus Optimus by aest and right now on Optimus you can get as high as 20% 20% so what it means is that money you’re living in the bank push it to your Optimus account so when you create account

on Optimus right you will get a dedicated bank account I think it used to be a womma bank so when you get this send money to it okay and automatically it will reflect on your Optimus account now on Optimus there are different ways that you can save there’s the one of lock you can lock the

funds for like one year 6 months 3 months each one has its own interest rate the longer you lock it the more interest ratees you’re going to get right so when you lock it just going to relax at the end of the 10 or you choose you come back pick your money and your interest or if you leave it

in Flex that’s also I think Flex right there is like 133% as as at the time of this CashNews.co right so you don’t have to do anything this is the one that is so easy to do as you even watching this CashNews.co you can be downloading the app Optimus by afro invest in fact I leave the

download um link so that because that think there so many optimos on the Play Store I will leave the download the Cor download link on the description download it sign up as simple as that when get your dedicated bank account move money to it in less than 5 minutes you are done and the money will

start earning interest for you passive Income in fact some months like this when they pay like because every month they would um act your interest it’s compounds monthly there sometimes I can get as high as 60,000 50,000 100,000 depending on the amount you have there and this

is money that could be in my bank I do but now you are earning an interest on top of it right so yeah I think someone has also asked me to do a tutorial CashNews.co on optimal have I think I the one I did in the past was on stock how to buy stock on a on Optimus but I’m going to do another

one to show you the different things you can do on Optimus the mutual fund the dollar Savings the N Savings all of it I’m going to do that but for the purpose of this CashNews.co just know that you can save on Optimus app and ear as high as 20% even same with

piggy I think piggy you can ear more than 12% many of them just pick the one you trose so many of them just take the one you are you have confidence in like Optimus now is owned by a invest who is one of the best investment Banks here in Nigeria investment banker typically are usually more

comfortable with platforms that are backed by Investment Bank right so that is another way you could end passive Income investing here in Nigeria with as little as 100,000 fact it’s Optimus 1,000 you can put 5,000 you can put there okay the four investment you can do with

100,000 is Money Market mutual fund please could you like the CashNews.co if you’ve not and if you if you’ve liked it already thank you so much you are the reason why we are here the channel is growing oh my God we are almost at 10,000 if not like I don’t know

what this CashNews.co is going to go live but at the time of this recording we are like 9,000 something the channel is blowing up and I know I got serious here this like one month ago thank you so much to everyone that’s been a part of this community it’s really encouraging like to see

that young people like I are really interested in Finance a lot of people don’t care about these things but here you are Financial person like you thank you for being

here and then talking of Money Market that is the number four investment you can do Money Market is a type of mutual fund right so when I say mutual fund it’s like people coming to together here in this our financial Community now we can decide okay Jenny I

have 100K you you have 20K somebody has 5 million someone have 10 million we can come together put the money together give it asset managers okay handle this money for us so with that money they will take it some can go and invest in stock so can go invest in like fix uh Income uh

instrument like Treasury bills commercial papers so money Markets is the ones that invest in Money Market instrument like Treasury BS and

you know Treasury B is a lowrisk investment why a lot of people love Money Market mutual fund is because with Money Market mutual fund your Capital can never go below right other mutual fund like Equity M fund that

invest in stock you know Stock Market moves up and down but with Treasury bill it’s like you take your you invest you come back and take your money it can never go below it right the only thing that the interest rate will just be climbing I think right now is

actually for track I know that St Bic Money Market right now is more than 20% right on on Optimus the Money Market fund there is um Pluto APF that should be at about 18% or there about right now so by the virtue of you just moving your money going to a platform

there are so many um platforms you can do mutual fund that is the Optimus of course that is cry wise you can even reach out to your bank stand b car so with Optimus if you use Optimus already you can just go and check APF that is Money Market mutual fund in fact Minon is 5,000 you

I’m even saying 100,000 but with 100,000 you can invest comfortably and be getting your Income so I think they pay every quarterly they acre the interest and pay back to you and you can terminate any time you want any day you decide you need your money back you just go and

liquidate it immediately it doesn’t take time so yes please your money is better invested in money Mar your bank you’ve left it idle for so long and the fifth investment you can do is investing in text-decoration: none;">ETFs right so I know you probably heard about investing in stock maybe Nigerian stock like the bank Zenit MTN ETF okay but talking about ETF let me say the truth I actually prefer us text-decoration: none;">ETFs to Nigerian ETFs I’m not lie because because here in Nigeria I’m not really sure what the ETS performance has been like is costly and I’m not

really sure this is I shouldn’t be saying this because I’m a CH stock Broker here in Nigeria but on this community I don’t hide anything from you personally me I don’t have any ETF in the Nigerian Market most of my ETF are you know in us um in US

href="https://cashnews.co/markets" style="font-weight: bold; color: #1a73e8; text-decoration: none;">Markets like the vo vgt so what is ETF ETF is a basket of different stock you know the way you can invest in individual company maybe let’s say you want to invest in Apple Amazon Facebook

right instead of investing in individual stock you can invest combined right let me illustrate with one of the top ETFs vo so vo is an ETF that tracks the top 500 companies in the US right so if

you invest in vo that means you’re getting a tiny stake of all those top companies don’t get confus I’m here to simplify it so let me also break it down further let’s use small chops for example so small chops is made of of w the king of small chops and maybe beef and Samosa

all of those right I can de to just eat pu puff and go and sleep or I can eat Samosa and go and sleep or I can decide that no I want a bit of everything can you mix it together and that is a small chop so I’m eating here small here small puff puff small this small that right that is like ETF

instead of just buying apple and go buy Tesla and go you can decide to like all of them combined the Beautiful thing with ITF is that the risk level is low right because that is it’s hard for all those 500 companies talking of VO we go down the same time no highest if one messes up move away

now another one will replace it right that is a beautiful thing about investing in ETFs so how do you invest in ETF I use any platform you use to invest in stock I have different CashNews.cos on

how to invest in stock here on this channel I also link it on the description so any platform you can invest in stock you can also invest in ETF it’s the same way it work go there search for the so some of the top text-decoration: none;">ETFs you can check you can set for vo last year vo returned more than 20% that is vgt um the information technology VT is the companies that ETF that invest in information technology companies there is vti vti invest in all of them like it tracks all of them right so

that is ETF for you so any platform you use for stock just go don’t t for ETF you not see anything so instead of just searching ETF just search V vgt search the particular ETF you want and trust me this is an interesting way your money could make money for you because although it’s low

risk some can return more than 20% average is like 10 12% but a lot of years they do way more than that and there you have it my money buy the five Investments you can do with 100,000 what I need you to do now please this is not the channel where we listen and we go no we listen to

these CashNews.cos we watch it and we practice if you ready to start practicing immediately go on the description I’m going to list different CashNews.cos you like if there’s any particular one I mentioned now I have dedicated CashNews.co for it so check the description if you want to

Treasury view there CashNews.co on Treasury view where I Shar my screen and show you click here click here there’s one on Savings bond next month when the Savings B is available I’m going to notify you so subscribe to

the channel if you’ve not so you don’t miss it turn on the notification Channel Jennifer notification button I what do they call it turn on the notification Bell so that you don’t miss it even the one for stock and E I’m going to link it in the description so go and watch it

right way so that you get better detailed understanding download the apps you need to download I’m going to link um Optimus on the description download the one you need to download because on this channel you see this bag we must secure it

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hey guys what’s up I’m Ain and welcome back to the channel the total Debt for all Americans comes in at 17.3 trillion dollar and our Debt levels are only increasing increasing in each and every category and specifically one of the most damaging

types of Debt Credit card Debt has increased by 133% since the same time 1 year ago what’s really interesting is that we have a culture that is very accepting of Debt carrying Debt of one type or another is

seen as normal in our culture but in that same breath 41% of Americans Define financial success as living completely Debt-free so it’s kind of interesting to see that such a large percentage of people say that financial success is living completely free of

Debt of all types but then living in a time where Debt is very normalized more than that 47% of Americans say that money and Debt specifically has a negative impact on their mental health including anxiety stress worrisome thoughts loss of sleep

and depression according to the Federal Reserve 23% of American adults live a completely Debt-free lifestyle that means no mortgage no auto Loans no student Loans no Credit card Debt no Debt of any

type so overwhelmingly most Americans are not living a completely Debt-free lifestyle most Americans are carrying Debt of one type or another when it comes to Debt it is important to distinguish between different types of Debt make

no mistake about it if your Debt burden is too large no matter matter what the Debt type it’s probably going to cause a lot of stress and anxiety and a whole swirl of negative emotions but there is a distinction to be made between say a mortgage and say

Credit card Debt so let’s look at how much each person is carrying of each Debt type broken down by generation if you were to break things down by generation the youngest working generation gen Z has a total Mortgage Debt of

roughly $235,000 Auto Debt of about $20,000 Credit card Debt of about $3 $3,000 and personal Loan Debt of nearly $9,000 the oldest members of gen Z as of 2024 are 27 years old so for those members who have already

bought a home I think that’s an amazing accomplishment unfortunately the members of this generation are also racking up other Debt types as well honestly one of the best moves you can make is to start out your life with as little Debt as possible building

financial success and Building Wealth is exponentially easier if you don’t have Debt working against you and pulling you back looking at Millennials typical Mortgage Debt is about $300,000 Auto Debt about $24,000 Credit card

Debt about $6,500 and personal Loan Debt is nearly $177,000 for Gen X Mortgage Debt sits around $280,000 Auto Debt around $27,000 Credit card Debt around $9,000 and personal

Debt around $22,000 Millennials and Gen X are sort of in that messy middle of Life a time of life where it feels like everything is coming at you fast and hard and it all comes with a price tag it really is the middle years of life that are most expensive this may be a time where

you have extra family related expenses maybe that’s related to Children maybe it’s related to furry children maybe it’s related to helping care for aging parents and all of this comes while trying to balance everyday life’s wants and needs and this could be at a time where

you’re early in your career or still in the middle phases of your career so your Income is still ramping up and still trying to catch up to your expenses and all of this can stretch your Income to its breaking point and this is why so many people turn to

Debt for Baby Boomers Mortgage Debt is around $190,000 Auto Debt around $22,000 Credit card Debt $6,600 and personal Loan Debt of just under $23,000 as of 2024 the youngest members

of the baby boomer generation are 60 years old so that means the idea of retirement is at least in the Forefront of their mind even if they haven’t yet retired the average age for retirement in the US is around 63 years old it tends to be a little bit older for men and comes in a little bit

younger for women and finally the silent generation Mortgage Debt of around $143,000 Auto Debt around $116,000 Credit card Debt around $3,400 and personal Loan Debt of around $115,000 it’s

probably not surprising to see that the oldest generation has the least amount of Debt in a lot of these categories they’ve had more time to get their none;">Finances in order they’ve had more time to pay down their mortgage they’ve had more time to accumulate wealth which helps to keep Debt at lower levels I want to go back to the stat at the beginning of this CashNews.co that 41% of Americans Define

financial success as living completely Debt free yet still so many of us carry Debt in one form or another I think the goal of living Debt-free is a wonderful goal because I think it can be incredibly freeing but just as so many people are saying

the definition of financial success is living a Debt-free lifestyle almost just as many people are willing to take on non-essential Debt 38% of people say they’re willing to go into Debt for simply a fund purchase 27% would be willing to take

on Debt for travel 14% would be willing to take on Debt for dining out and 133% would be willing to take on Debt to attend a live entertainment event and Beyond these simply hypothetical situations 36% of people say they expect to take on

Debt to fund a travel plans this year and I think these kind of stats signal that for some there’s too much of a willingness to take on Debt to fund today I think this eagerness and this willingness to take on Debt to fund today is

detrimental to Financial Health but it can also be detrimental to Mental Health Mr Arthur Brooks Harvard professor and researcher on happiness says that we’re kind of wired to think about money incorrectly he says the two biggest errors when it comes to money are that the consumption of stuff

will bring you happiness and that borrowing is somehow okay but time and time again his research has uncovered that Debt tends to tank individual happiness levels when it comes to Credit card Debt and auto Loan

Debt and student Loan Debt all of these Debt types reduce overall happiness Mortgage Debt is the only kind of Debt that doesn’t lower happiness unless it’s too big at the end of the day

you can really only do five things with your money one you can buy stuff two you can buy experiences three you can buy time four you can give it away or five you can save it each choice that you make with your money will fall into one of these five categories and Brooks adds that only four of these

choices tend to bring us happiness and those are to buy experiences to buy time give it away or save it and the IR of all ironies is that most of the time our desire is to Simply buy stuff but that’s the only choice that doesn’t lead to an overall increase in long-term happiness when

you buy something that’s new you get that immediate hit of happiness that immediate newness but eventually that newness wears off that happiness tends to wear off no matter what the item is but if you were to buy an experience especially shared experiences with friends and loved ones the

memories you create last a lifetime or in instead you use your money to buy back your time maybe you hire someone to cut your lawn or clean your home and then you use that time to go do something you truly enjoy that will make you happier when you use your money to help a cause or people you care

about that comes back to you in the form of Happiness when you set aside a little bit of money today for Savings and Investments you’re investing in future happiness you’re giving your future self more options a little bit of sacrifice today leads to

exponentially more happiness down the road it can can be incredibly easy to take on Debt especially when we live in a culture that promotes a lifestyle that leverages Debt but I think once you become aware of how Debt can negatively impact your

mental health not just your Financial Health it’s easier to sidestep the Debt traps it’s easier to be much more cautious with taking on Debt at the end of the day it comes down to one thing living within your means and not overextending yourself

realistically looking at what your Income is and keeping your expenses in line with that goes a long way to a app your life it’s not about a life of deprivation it’s about just living within your means how do you think Debt impacts your overall mental

health leave your thoughts in a comment down below I post new CashNews.cos every single week if you got anything at all out of this one please give it a like if you’re new here please consider subscribing or if you know of someone who might get something out of this type of content please

consider sharing I’ll see you soon bye says that we’re kind of wired probably should look at the camera my bad G ridiculous

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if you want to manage your money like the 1% I’m revealing the 75115 rule that would allow you to build wealth regardless of how much you earn it’s a system that adapts to your Income level whether you earn $10,000 or a million doll a year because no matter how

much you earn you’re always going to follow these three steps first for every dollar that you earn 75% or 75 cents of it will be the maximum amount you can use to spend to buy things housing food vacations Mr Magic lamps if you can spend less than 75% of your Income

that’s fantastic but the beauty of the 75% limit is it gives you flexibility and encourages you to do two key things first it forces you to look for cheaper alternatives premium gas or regular organic free range guacamole or regular Whole Foods or Aldi so most of the wealthy people that I

know share this common trait which is what I noticed after starting my own business and networking with other entrepreneurs which honestly is a big deal for me because I’m naturally an introvert but the most unexpecting and revealing moment was when bu of us went out for dinner after an event

and everyone was asking the waiter for happy hour specials and the cheapest wine they had and I kid you not when the bill came people literally pulled out their phones to calculate how to evenly split the bill so everyone only paid for exactly what they had down to the last set and keep in mind

these people were all millionaires next the 75 limit forces you to focus on value you’ve probably heard countless times before to stop buying coffee and instead save and and invest that money but I believe that’s the wrong way to look at it instead before you make any purchase you

should ask yourself how much do you value the thing that you’re buying if that $5 ice coffee makes you the happiest person in the world makes you more productive social and reduces your stress for the rest of the day then chances are the value you get from that cup of coffee is way more than

the $5 it cost so go get it instead of grasping at the little purchases and attempting to save money it’s it’s more effective to focus on the bigger expenses a brand new car 100in TV or a cheese dispenser the thing with big purchases is it’ll make you happy for a temporary amount

of time but after that initial honeymon period ends your happiness level is right back where it started then that 70k car just becomes a regular old car with the same functionality as every other car so if you manage to spend less than 75% of your Income like you only spend 60% of

it then I need you to hold on to that 15% difference because I’m going to show you what you need to do with it in a bit next the 10 in the 75105 rule says that for every dollar you earn you should save at least 10% or 10 cents of it for this thing called a cushion fund a 2022 study found that

as much as 56% of Americans can’t afford an unexpected $1,000 expense think of your cushion fund as a cash Reserve that’s specifically set aside for financial emergencies and emergencies don’t include a wild Night Out Vacations or fried chicken Cravings this money should only be

used when pretty much all hell breaks loose when your house gets flooded when you get stranded in the middle of nowhere and have no other options basically when your life is Fubar so about 8 years ago I got into a really really bad car accident that pretty much destroyed the front of my car I was

in a completely different state and I didn’t know anyone but the mechanic said that it was going to cost about $115,000 to fix and I was really stressed out because I had no idea how I was going to come up with this kind of money I even considered taking on a Loan even though

I knew that the interest for it would easily cost way more than that amount of money but then I remember that I had my cushion fund saved for emergencies just like this the good news is determining how much you actually need in your cushion fund is simple open up a spreadsheet and take account of

all your monthly expenses rent pineapple pizza bills multiply this total by five if your monthly expenses are $2,000 you generally want to save for 5 months of expenses so your cushion fund is $10,000 once you have your total you need to commit to saving this amount I built this

Savings go tracker to help me save money a lot faster I just put in how much I want to save and then I can track my progress and Visually see where I’m at for a limited time I’m giving away my ultimate Savings goal tracker for free with the link below

but what’s even more important is where you store your cushion fund While most people keep their Savings in a traditional Savings account like Chase or Bank of America there are much better places called high Yield Savings

accounts or hyas because they give you much higher Interest Rates which allow you to grow your money a lot faster with traditional Savings accounts like Chase the national interest rate is .5% apy meaning if you put $10,000 in the account at the end of the year the

bank is just going to give you $57 in interest leaving you with $10,000 57 on the other hand a high Yield Savings account can offer you 4% apy meaning at the end of the year they’ll give you $400 in interest leaving you with $10,400 I’ll leave some high

Yield Savings accounts you can check out below but an even bigger problem is most people don’t know when to stop saving money the reality is you don’t always want to just save your money forever once you have your 5 months worth of cushion fund stop

saving and just hold on to that 10% amount you were going to save and I’ll show you what you need to do with it next the 15 in the 7510 15 rule says that for every dollar you earn you should invest at least 15% or 15 cents of it for your future and there are two specific accounts you should

start investing with to optimize your Taxes you basically want to funnel any extra funds that you have into this particular step because the whole point of the 15% rule is to put your money to work so you can build Assets and wealth because real wealth is built by

owning Assets the problem is we were only taught how to make make money from our work in labor that’s pretty much what school teaches us how can you get a high-paying job but the wealthiest people in this country don’t make their money from their job they make their

money from their Assets and after reading Rich Dad Poor Dad by Robert kosaki I realize that you can be completely broke with a high-paying job but if you have Assets you can spend all your money today and still be wealthy next month but unfortunately like many

people I never learned in school nor did our parents teach us this I pretty much had to go out of my way to learn this from reading and studying Finance with books like psychology of money

and the intelligent investor but this is one of those things that once you learn it you can never unlearn it but if you don’t learn it you might never learn it and if you don’t learn it you’re never going to be able to build true wealth there are two specific investment accounts

you should start investing with because of major tax advantages first is the Roth IRA which is an indiv idual retirement account the main advantage of having a Roth ra is that your earnings and Profits grow tax-free that means when you retire and withdraw all their earnings you

won’t pay any Taxes on it at all for instance Peter theel famously grew his Roth ra account to5 billion and what’s Wild is that when he decides to withdraw from it he’s going to pay0 in Taxes on it the caveat is that you can only contribute money

that has already been taxed meaning after you received your paycheck and the rothar benefit is so great that the government limits how much you can contribute to it in 2024 if you’re under the age of 50 you can only contribute $7,000 a year into a Roth IRA and if you’re over the age of

50 you can contribute $8,000 a year it’s a pretty straightforward four-step process to both open and contribute to a Roth IRA first you need to have what’s called earned Income meaning that you need to get your Income working for someone else yourself

or a business that you own second you want to go to any Brokerage website like Fidelity Schwab or Vanguard and select the option to open a Roth ra account third once you have your account open you want to transfer money from your regular bank account to your Roth IRA account fourth

and please make sure you pay attention because many people completely miss this step and wonder why their Roth or a account hasn’t grown in 20 years and it’s because you actually need to purchase some investment ments in the account don’t worry about what you should invest in

I’m going to share my favorite Investments later where I can basically just set it and forget it the second account you should invest with is the 401K which is an employer sponsored account meaning you can only have a 401k account if you work for an employer that offers it

but thankfully many companies do unlike a Roth ra all your contributions to the 401K is made with pre-tax dollars meaning you’ll pay Taxes on the money later the idea is many people’s Income in will be lower when they retire so people are expecting to

pay a smaller amount of Taxes on the money in the future compared to now you basically assign a portion of your paycheck to be contributed to the 401K and this account has a much higher contribution limit of $23,000 per year as of 2024 one of the biggest advantages of the 401K is

that many employers offer an additional benefits where they match your contribution basically meaning they give you free money the most most common employer 401K match is a 100% match for the first 3% you contribute with a 50% match for the next 2% it sounds really confusing but basically if your

salary is $65,000 and you maximize your contributions up to the employer’s match you would contribute 5% or $3,250 in a year and in return your employer would immediately match and give you another $2,600 for free no questions asked totaling $5,850 in your 401k and again it’s basically

like free money for you and your retirement in the future so if your employer offers this this is an absolute no-brainer so after you have either one of these or both of these retirement accounts you need to figure out where to invest your money and before I tell you what I personally invest in

here’s a practical reason that the wealthy invest in Assets if you invest just $100 every month for 50 years at a rate of return of 10% % at the end of the 5050 years you would have only contributed about $60,000 but from overtime in the Stock Market and

returns your total Portfolio value will be $1.4 million also Mumu the Investment app that I personally used is giving away five free stocks valued up to $10,000 if you open a new account and deposit $100 with my link below anyways for most people investing in an index fund or ETF

is all that you really need to do basically instead of investing in one stock that can either go up or down with an index fund or ETF you actually invest in hundreds of different stocks you automatically diversify your money and reduce your overall risk meaning you can pretty much just set it up

and forget it for example if you were to buy an S&P 500 Index Fund by buying that one fund you would own a small percentage of every single stock in the S&P 500 thus you track the entire index that would automatically provide you with diversification because your investment is now spread

across the top 500 companies in the US and by buying an index fund it’s actually a lot cheaper than buying into each of these 500 companies individually on their own index funds are usually a great safe beted in retirement account because based on the average over the course of the past 80

years index funds have improved to return about 8% a year some years are naturally going to be higher than others but on average you can expect your money to grow and compound over time so with most of my money I invest in passively managed index funds like FX a or vo because it’s easy and

really straightforward but you can invest in whatever you would like there are a ton of ETFs and index funds out there and if the funds that I choose AR available in your 401k you can just look

for another type of index fund that invests in a lot of companies in the US and you should be pretty golden for the most part which leads me to something that you’ve got to start accepting and it’s that even if you’re trying your hardest to be better with money sometimes you might

still feel like you’re not doing enough and that might be because you don’t know the 10 things you should never waste your money on click here to learn the 10 things you need to stop buying immediately

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Just like you need air to breathe, your company needs Cash Flow to stay in business. Many small business owners avoid managing the money part of their business. This could be because: It may seem difficult to understand Financial Statements look

intimidating It’s more fun to work on marketing They have hired a bookkeeper Or maybe they are too busy It’s important to pause and look at your numbers often. Your financials tell you about the health of your company. If you are feeling intimidated by “financials” this CashNews.co will

help you master 3 key concepts. Our first concept is Cashflow: It is important to know when the money comes in and how it’s being spent. You want to ensure your bill collection and payments are on time. Doing this will help you stay on track and plan for emergencies. If you run a seasonal

business like a landscaping company, your cash inflow for the entire year may happen in just a few short months. You will need to plan for costs such as rent and utilities when business slows down. The second concept is start-up costs: To calculate your start-up costs, list all expenses you can

think of that might be required for starting your business. There is no magic formula beyond that. When you’re in the planning phase you may find some costs that aren’t yet covered by sales. Knowing these costs allows you to know how much cash you should have in the bank before starting

your business. Here are a few examples of start-up costs: One time expenses such as permits, licenses, registration fees, logo design, business cards, website, down-payment on a rental property, and leasehold improvements Ongoing expenses such as rent, payroll, Taxes,

Accounting services, Insurance, utilities Investment in Assets such as equipment, inventory, furniture, and vehicles Finding these costs will allow you to know how much money you need to personally invest and/or

href="https://cashnews.co/finance" style="font-weight: bold; color: #1a73e8; text-decoration: none;">Finance to get started. Just add them all up and you have your number. See, that was easy! Our final concept is the “breakeven point”. So, you want to start recovering your costs,

paying your expenses, and generating a Profit from your business? You will need to know how many products and services you must sell, and at what price you need to sell them at. To do this, start by understanding your company’s break-even point. The break-even point is the point

at which your sales will exactly cover your expenses. Determining the break-even point allows you to know the level of sales needed to cover all costs and start earning a Profit. To calculate this number, you need to know three things: Fixed costs are costs that your business pays

whether you have sales or not. These items include rent, Taxes, salaries, and any other monthly expenses that do not change. Whether you sell one product or 20, you still need to pay these expenses. Variable costs are costs that change based on your number of sales. For example raw

materials, factory labor, and sale commissions. Finally, you’ll need to determine your selling price for your product or service. Remember, whether you’re just starting in business or creating a new product or service line for an existing business, you can adjust this selling price up

or down as you start to calculate. Here’s an example: Quality Totes Ltd. is a new company wishing to produce designer handbags. The company has calculated that it has fixed costs that consist of its utilities, owner salary, rent, and property Taxes. Those equal $80,000 per year.

Their variable costs are the raw materials (leather, fabric, clasps), one part-time contract seamstress, and one family member who has offered to work for sales commission. Based on this information, Quality Totes Ltd. estimates their variable costs will be $18.00 per bag sold. The bags are priced

at $68.00 each. At this level of sales, they must sell 1600 designer handbags per year to cover their total expenses. At this selling price and with these expenses Quality Totes Ltd. will not make any Profit unless they sell more than 1600 handbags. They will only break even and

cover expenses. Try this formula for your own business. See how cutting your costs or adjusting your price impacts how many products or services you need to sell to break-even. Want to learn more about how cutting costs or adapting your price changes your break-even point? Download the break-even

analysis worksheet in the Business Link online toolkit. Now, take a long deep breath…. You’re well on your way to understanding how to manage your business’s money. Learn all you can about the other formulas you can apply to your business by downloading all the financial resources from

Business Link.

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welcome back ladies and gentlemen this is your friend which alter curve on Finance tube today’s topic of discussion rule of 72 what is rule of 72 72 is a magic

number which can make you rich don’t believe me let me tell you what it does rule of 72 very quickly tells you that how fast your money will double if you invest if I were to tell you technically let me give you a formula so rule of 72 says n is equal to 72 divided by R now n here is number

of years double your money and our is the rate of return that means that means if you have invested money in let’s say a fixed deposit which gives you 8% return in that case applying rule of 72 you will get n is equal to 72 by 8 which is nothing but 9 years so if you remember in my previous

CashNews.co I told you that in our times FD takes 9 years to double I applied rule of 72 now the idea is that if we had some instrument where we can put our money not at 9% not at 8% but at more you will see how magic happens so you see friends rule of 72 is a magic number which tells you the

number of years in which you will double your money now assume that you are able to invest money at 24 percent what will happen when I apply rule of 72 72 divided by 24 so your money will double in three years if every three years your money doubles you will be able to get rich faster now the idea

is that many a times many financial consultants will come and tell you that if you give me so much money I will double it in so many years if you are told that your money will double in so many years and if you want to find out rate of interest you can always do so again applying rule of 72 how

very easy you change positions here you will get R is equal to 72 divided by n that means if you have a consultant who comes and tells you that boss my money will double in 18 years then in that case what is your rate of return our is equal to 72 divided by 18 R is nothing but 4 so you see friends

it is very important for you to understand how money works it takes 18 years for money to double in a saving account because saving account gives you 4 percent and in every it takes 9 years but if you can find any investment which could give you 24 percent then your money will double in 3 years

stay tuned for more episodes and if you have not subscribed please subscribe now

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Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run

on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,

that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money

according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model

3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,

if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided

that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he

didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast

forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due

to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good

Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot

of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially

behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not

always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you

safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you

Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom

journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you

have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their

process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy

to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high

Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only

your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your

Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in

the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit

card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their

Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of

Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen

during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of

Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your

job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund

if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy

stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to

wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions

of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold

his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share

some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends

of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or

better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same

thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting

story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and

invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological

innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new

year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free

Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US

stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part

of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads

to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good

habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people

can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one

burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to

different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these

small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year

compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his

Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you

have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life

frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to

spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many

different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn

money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can

download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching

/>

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Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run

on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,

that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money

according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model

3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,

if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided

that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he

didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast

forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due

to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good

Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot

of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially

behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not

always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you

safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you

Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom

journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you

have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their

process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy

to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high

Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only

your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your

Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in

the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit

card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their

Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of

Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen

during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of

Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your

job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund

if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy

stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to

wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions

of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold

his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share

some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends

of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or

better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same

thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting

story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and

invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological

innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new

year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free

Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US

stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part

of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads

to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good

habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people

can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one

burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to

different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these

small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year

compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his

Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you

have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life

frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to

spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many

different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn

money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can

download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching

/>

Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY

https://cashnews.co/finance/from-here-to-financial-happiness-%f0%9f%92%b8-enrich-your-life-in-77-days-finance-book-summary-finance/

#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY

Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run

on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,

that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money

according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model

3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,

if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided

that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he

didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast

forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due

to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good

Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot

of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially

behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not

always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you

safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you

Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom

journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you

have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their

process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy

to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high

Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only

your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your

Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in

the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit

card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their

Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of

Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen

during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of

Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your

job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund

if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy

stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to

wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions

of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold

his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share

some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends

of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or

better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same

thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting

story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and

invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological

innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new

year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free

Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US

stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part

of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads

to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good

habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people

can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one

burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to

different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these

small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year

compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his

Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you

have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life

frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to

spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many

different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn

money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can

download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching

/>

Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY

https://cashnews.co/finance/from-here-to-financial-happiness-%f0%9f%92%b8-enrich-your-life-in-77-days-finance-book-summary-finance/

#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY

Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run

on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,

that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money

according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model

3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,

if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided

that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he

didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast

forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due

to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good

Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot

of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially

behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not

always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you

safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you

Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom

journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you

have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their

process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy

to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high

Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only

your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your

Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in

the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit

card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their

Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of

Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen

during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of

Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your

job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund

if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy

stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to

wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions

of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold

his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share

some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends

of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or

better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same

thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting

story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and

invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological

innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new

year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free

Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US

stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part

of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads

to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good

habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people

can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one

burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to

different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these

small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year

compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his

Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you

have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life

frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to

spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many

different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn

money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can

download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching

/>

Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

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Hi friends Sam Dogen a financial advisor they say that in the year 2018 he was going to watch Soft Ball game with his friend Bob on a weekend there Bob had bought his new Tesla Model 3 car which was selling a lot in the market Bob was doing a lot of show off there that how does this car run

on autopilot he was driving his car with his I phone and was saying many interesting things like I heard this in news recently on 9th September a lady gave birth to a baby in Philadelphia in the front seat of Tesla and the delivery happened, when Tesla was running on auto pilot because of which,

that baby is also called as World’s First Tesla Baby so Bob was saying such interesting things to everyone Sam was shocked by listening to all these things he was shocked because that how did Bob a 31 year old pre school teacher had bought a $53,000 car which is obviously a lot of money

according to Sam it was their biggest financial mistake which he shouldn’t have done and at the same time, there was a hype about Tesla after listening to all those things, Sam drove that car one day he says that the experience of driving this was very different even he liked the Tesla Model

3 and even he wanted to buy that car but because this car was very costly to him and as he was a financial advisor, he didn’t want to do that mistake so as a financial advisor what he did was instead of buying this $53,000 car he started calculating it’s opportunity cost where he saw,

if he invest this much money of his Savings what can be better opportunity for him than this car then he started doing research about Tesla Company or Elon Musk’s company he started to realize about this company potential and finally after doing all these things he decided

that instead of buying a Tesla Model 3 of $53,000, will buy the Tesla Stocks worth $53,000 in October 2018 on the per share value of $298 bought the Tesla stocks and guess what after some time, these Tesla stocks reached $367 by doing this he had got a Profit of $11,500 and he

didn’t want to sell that and after 6 months, when there were some problems in the company because of a Tweet of Elon Musk, the stocks came down to $179 then their Profit of $11,500 converted to a loss of $20,000 but still he didn’t sell his stocks he was still now fast

forward after 2 years, where the entire world market crashed there Tesla stocks were rising then Sam thought, just like last time, these stock will fall one day then what Sam did was, at $888 per share value sold his 75% stock because he didn’t want to handle the volatility of this market due

to which he got a lot of Profit but ya the fact was, after some time Tesla stocks reached to $1,126 thinking of which Sam regretted but as it is said that Hindsight is always 20/20 after doing things we feel that we shouldn’t have done it, but anyways Sam had booked a good

Profit and then he was thinking how stupid Bob is even he should have bought the stocks instead of the car do you know the interesting part was Bob whom he was thinking is stupid he was investing a lot of his money in Tesla, from a long time because of which he had generated a lot

of Profit and with some part of the Profit he bought Tesla Model 3 look friends the things we should learn from this story is wealth is not like that as we think it is many time when you think people are less capable than you you think that they are financially

behind you well many time is is not necessary that they are behind you many times many people do well financially but since all their wealth is in their investment which we can’t see, so they won’t look rich many times and many times even if they look so, they look stupid which is not

always the case ya being financially free doesn’t mean that you have a lot of wealth which is visible to people by which you can live a luxurious life no but the meaning of being financially free is you live a comfortable life where you don’t worry about money where your money keeps you

safe and work for you now Author Jonathan Clements in their book From Here to Financial Happiness in this book they share 77 short lessons I will merge all those points and share with you 4 practical steps which will help you to be financially free as with that as I had gifted you

Shares of Google few weeks ago in this CashNews.co I will gift Tesla’s Shares how? well to know that keep watching the CashNews.co let’s come to lesson no. 1 which is No saving with Debt author says to start your financial freedom

journey first you have to do one thing that is clear all your Debts clear the Loan and this is the most basic rule of Finance that if you

have any kind of Debt specially bad Debt you cannot start your investing journey author says, some people start long term investing with their Debt where they will be paying their Debt and also doing some investment by this their

process of becoming financially free, slows down so author says first clear all your small Debts like mobile phone, laptop emi, car Loan and such things which you can finish early ya sometimes the big amounts like home Loan that can’t be easy

to clear, those are exceptions, keep them aside but clear your small Debts plus the author also says, to use Credit cards wisely because US Department of Labor had did a research on 7,900 citizens of age 20 to 40 by that we know that, those who were at high

Credit card Debt their stress was affecting their physical health overtime by which they faced many problems in daily life pain in joints and stiffness and were facing many problems you should know how you are using your Credit card for not only

your mental peace but also physical health many people don’t know that by using Credit cards the interest starts and it’s amount keeps increasing and there is a solution related to it, which you will know in 4th point but first remember that that clear all your

Debts as much as possible after that start your Savings journey properly Lesson no. 2 Financial safety net this might have even happened with you something needs repair in your home, like your phone is broken or your T.V is not turning on on there is a problem in

the engine of your car or bike like I remember my friend was saying, that the graphic card of his computer was spoilt the price was very high, at that time he didn’t had money to buy it so somehow he started working without graphic card at that time he didn’t had Credit

card and he didn’t want to borrow money from someone he he decided that next month when he gets Income he will buy the graphic card with that Income now look, many people are just like this if there is any problem, for it’s solution they use their

Credit card or depend on next salary if something happens they say, they will do it from next month do the EMI many times but author says, no one thinks what if their source of Income stops many people are salary based and their job is their main source of

Income there are only few people who have passive Income if their main source of Income dies of any reason job went or anything, even then, they will have a different source of Income on which they can depend on now as it was seen

during Covid time where many people lost their job and were destroyed completely so well what is it’s solution, the author says If you want to feel better about your none;">Finances today then you should spend more time thinking about what you are gonna pay for tomorrow which means basically author is saying us here we have to create an emergency fund you store your money, at a place where you can use it even after loosing your main source of

Income you cannot spend this money on any random things like for vacation, for buying a car or anything no here you have to create an emergency fund which should be the backup of your main Income source because of which, in case something happens and you loose your

job you will not get a new job until you can survive and be safe and how to do that, well to do that author says that you have to calculate your monthly expenses let’s say your monthly expenses is 20,000 rupees you should at least keep 1,20,000 rupees safe at side which is your emergency fund

if there is any problem, like covid, lock-down even then you will have a buffer time of 6 months where you can do many things, can find a job or create a new source of Revenue which will be very helpful for your survival and your respect Lesson no. 3 Invest conservatively and buy

stocks with caution to increase your wealth J Walk when they launched a website Priceline of discount offer in the early 2000’s by this their Net Worth reached $1.8 Billion in just one year and at the other side the world’s greatest investor Warren Buffet they had to

wait 55 years to earn their first Billion Dollars look there is how much difference but the thing is J Walk’s Income was not sustainable everyone knew that this dotcom bubble will burst and when that bubble burst, by end of October 2000 in just a few months, out of billions

of dollars of J walk only 33 Million Dollars were left and Warren Buffet were into the top 1% richest club of the world and are still today and for the coming many years, he will be in the top 1% list the reason behind this is, Warren Buffet, is investing from past 7 decades and he had rarely sold

his Shares so even the author says, if someone wants to be financially free so to invest your money Stock Market can be a very good place to you where you get not only returns, but the company pay you Dividends many times which means they share

some percent of their Profit to their share holders for example you might know that Warren Buffet is a major share holder of Coca Cola so the C.E.O of Coca Cola he gets the highest 16 Million Dollar salary per year on the other side, Warren Buffet by the Dividends

of Coca Cola earn 547 Million Dollars so you might have understood where to invest to become financially free author says when you think long term to invest in Stock Market you don’t need to understand any rocket science but the companies which you know about properly or

better use their products daily which you are using from many years, which you believe on you like those products it will be good for you to invest in such companies and one of the most successful Mutual Fund manager Peter Lynns, who had wrote many good books on investment even he says the same

thing you should invest in such companies whose products you use or you know better about them whose products you like and you believe on as many people use I phone eat Maggie, drink Coca Cola use Tesla Cars so it can be good for you to invest in such companies as it was proven in the starting

story and here you don’t need to see the daily fluctuations of the market in the Intelligent Investor, the mentor of Warren Buffet, Benjamin Graham, even they say in their book that we should not focus on the daily fluctuations of the market but you should just pick the good companies and

invest in that for long term this will give you very good returns in long run now look friends ya there are many Unicorns in India, which are doing very well and there are many companies in America which are giving exponential returns it can be easy to find them, because of their technological

innovations so we Indians should know about this opportunity that we can benefit from the opportunities of the growth outside so you can make this resolution this new year that you will globally diversify your Portfolio for better returns and safety in fact even before this new

year starts, any of your favorite company either Apple, Tesla, Google, Amazon or Netflix or whichever company you like, comment it down buy the Shares of that company and to start all things easily what we did was we have collaborated with IND Money and picked few free

Shares which you can get for free before to buy US stocks you had to bare many charges had to spend a lot of money but with the help of IND money you can get 0 account opening fees 0 maintenance fees and with the help of 0 Brokerage fees you can buy or sell US

stocks plus you get the best exchange rates here plus with the help of this app, you can track all your Investments all Investments you have did, whether is Mutual Funds, Stocks or text-decoration: none;">Crypto as I do the same by using this app so if you benefit from this and want to buy Tesla Stocks for free you just need to download IND money from the link given below and you will get few free Shares of Tesla in the reward section you will get a part

of that share only if you go with the link given below but if you download IND money directly from Play Store or App Store you need to enter the code while signing up which I am showing on screen SEEKENTESLA code you have to put that, then you will get those free stocks Point no 4 is Rugality leads

to better Finances look our physical health, mental health and relationships and overall in entire life, habits play the biggest role and this is an universal fact that good

habits makes good life financial success is nothing but the result of your good habits if you think logically if you want to be financially free you have to save money, you have to invest it but you have very less time so it is very important for you to save and invest money author says 90% people

can’t achieve financial freedom because of their bad habits their bad habits impact Savings a lot because people don’t think exponentially they always think linearly example what we think is, I am just eating one pizza, what will happen by that I am just eating one

burger today, what will happen with that with these small things, they make it a habit and start eating outside food order everyday some thing or the other from Zomato at least it happens every week and that becomes a habit because of which a particular amount Zomato gets every time goes to

different junk food companies money is also going plus all these things impact your health I saw a CashNews.co, there were two people both take different choice every day one person gets up early then the other gets up late one person eats junk food everyday the other person eats healthy all these

small choice which comes in front of us everyday our habits one person spends his money on useless things buys and eats useless things on the other hand the other person instead of eating unwanted things he saves it or eats healthy food and all these things of 1 day, 2 day, I month or 1 year

compounds it’s effect becomes so high that the person who had bad habits his health gets worse his money slowly decreases and his relationship life, everything comes to an end on the other side, who had made small habits those small habits brings improvement in his life slowly his

Savings and his Investments start giving him money his health helps him living a good life and in long term one person’s frugality changes his life completely on the other hand, the ignorance, his smoking, eating unhealthy will destroy his life so even you

have to understand this thing that the small decisions which you are taking everyday may be you won’t see it’s results today, tomorrow or even after a month but you will definitely see some difference in some years and that thing will hurt you in the long run so start living your life

frugally instead of spending on unwanted things, start saving start investing ya it might not help you to get rich in some time but definitely in long run, you can save money and make money so don’t keep linear thinking, keep exponential thinking how can you do all these things try not to

spend more than 50% of your Income and you have to invest 12% for long term for retirement and all if you do like this, you will benefit from it in long run I want to say you a bonus point, start working on different sources of Income start working on many

different sources of Income as much as possible if you just have one job then obviously that’s very risky thing you have to create sources of Income side by side which can give you Income at least a little this thing will help you to earn

money in long run and to be financially free if you want me to make a separate CashNews.co on this topic how can you make you r side Income, do comment and let me know if you are interested in buying free share of Tesla there is a link given in description from there you can

download IND money after downloading, you will see those Shares in the reward section if you are directly directing it from Play Store or App Store while signing up you have to enter a code SEEKENTESLA by this you will get the reward that’s all for now, thanks for watching

/>

Now that you’re fully informed, watch this amazing video on FROM HERE TO FINANCIAL HAPPINESS 💸 ENRICH YOUR LIFE IN 77 DAYS – FINANCE BOOK SUMMARY. With over 2074088 views, this video deepens your understanding of Finance.

CashNews, your go-to portal for financial news and insights.

#FINANCIAL #HAPPINESS #ENRICH #LIFE #DAYS #FINANCE #BOOK #SUMMARY

https://cashnews.co/finance/from-here-to-financial-happiness-%f0%9f%92%b8-enrich-your-life-in-77-days-finance-book-summary-finance/

#1a73e8 #333 #BOOK #DAYS #ENRICH #finance #Financial #HAPPINESS #Life #SUMMARY