Kameshwar

I read, therefore I am.

[kameshwar]

How fast time flies! It feels only a few years, but 32 years have passed since we passed out from our school. Posing with our science teacher who taught us physics and maths in our school years.

[kameshwar]

Slow living is a great idea but most people are unaware of the benefits of the same.

Try living slow at least one day a week. It feels so good when I am not glued to my mobile or tablet for a complete day and be with books.

I wish I could do slow living all my life. Just be with books and ideas. No societal pressure. No comparisons. Nothing to achieve. Nothing to prove.

[kameshwar]

Man Can't Live Without God

A five-year old boy has an absolute faith in his father. He believes that his father has solutions to  all the problems. His father will fulfil all his needs and keep away all the dangers. The boy feels safe and secure in the presence of his father. The majority of the people in the world are like a 5-year old boy. They have an absolute faith in the superpowers of their god. They believe that…

[kameshwar]

एग्रेसिव हाइब्रिड फंड्स क्यों?

मार्केट जब दो-तीन साल ऊपर जाता है तब ज्यादातर निवेशकों को लगता है कि मार्केट और ऊपर जाएगा. मार्केट जब गिरता है तब लगता है कि अभी और गिरेगा. इसलिए ऊपर के लेवल पर बेचना उतना ही मुश्किल है जितना निचले स्तर पर निवेश करना. इसका उपाय क्या है? ऐसेट अलोकेशन ही एकमात्र विकल्प है। आप अपना इक्विटी और डेट्स का रेश्यो तय कर सकते है। वह रेश्यो 50:50, 60:40, 70:30 या 80:20 का भी हो सकता है। लेकिन यह भी आसान…

[kameshwar]

Getting Rid of God

Humanity has already banished 99% of gods. The gods that were once all-powerful to our ancestors, are obsolete and irrelevant. Some ancient Greek gods were as following: • Zeus:      The chief god who ruled over the                      sky. • Hera:      The queen of the gods and the                           goddess    of women, marriage,                         family and birth. • Artemis:…

[kameshwar]

[kameshwar]

The 2X Affordability Rule

What big purchases you should or shouldn’t do depends on your affordability. The 2X affordability rules can be a good parameter on which you can peg your buying decisions.  Buy only those things that you can buy twice over without straining your budget. If you are looking forward to buy a Rs 1.5 lakh mobile,  use this formula. Can you buy the same model, just the same day or the next day , in…

[kameshwar]

रूपए का डेप्रिशियेशन

माइक, जो कि एक FII है, ने 1000 $ निवेश किया इंडियन इक्विटीज में। उस समय एक डाॅलर 80 हजार रुपए के बराबर था। तो माइक ने 80 हजार रुपए लगाए। उसपर उसने 15% प्रॉफिट कमाया। उसका पोर्टफोलियो हो गया 92000 रुपए का। पर जब वह बेचकर वापस गया तो उसका प्रॉफिट रह गया मात्र 0.88% क्योंकि1. प्रॉफिट पर कैपिटल गेन्स टैक्स लगा 12.5% यानी कि 1440 रूपये। टैक्स के बाद उसके पास बचे 90560 रुपए।2. 1 डाॅलर का भाव 80 रुपए से…

[kameshwar]

एग्रेसिव हाइब्रिड फंड्स

18 Feb, 2025 हाइब्रिड फंड्स कई तरह के होते हैं। इक्विटी सेविंग्स फंड्स बैलेंस्ड एडवांटेज फंड्स कंजरवेटिव हाइब्रिड फंड्स एग्रेसिव हाइब्रिड फंड्स डायनैमिक एसेट एलोकेशन फंड्स मल्टी एसेट एलोकेशन फंड्स आर्बिट्रेज फंड्स आज हम चर्चा एग्रेसिव हाइब्रिड फंड्स की करेंगे। ये फंड्स मेरे सबसे पसंदीदा म्यूचुअल फंड्स है। ये फंड्स 65-80% रूपए इक्विटीज/शेयरों में निवेश करते हैं और 20-35% डेट्स/बांड्स में…

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[kameshwar]

12-01-2025 life is waves on the seas

Millions of leaves come on the trees in the world every day. After a season the leaves fall down on the ground and become soil again. The leaves come from the soil and become soil again. The leaves are never born again. New season sees new leaves, not the rebirth of the old ones. Every moment millions of waves take shape in the ocean and again become ocean. A wave formed does not get reborn.…

[kameshwar]

12 JANUARY 2025 - The mind and what-ifs

The mind always grapples with a lot of ‘what ifs’. What if this happens? What if that does not happens? What if the pain in the head is because of some tumor? What if the fever is because of some big disease? What if the my kid does not qualify for some competitive exam? What if I lose my job? What if I lose all the money? What if the share market falls? What if recession comes? What if Russia…

[kameshwar]

07 January 2025

पिछले पांच-छह महीने से शेयर मार्केट में कोई खास मूवमेंट नहीं हुआ है। कुछ नये निवेशक फोन करके बता रहे हैं कि नये वाले फोलियो/ निवेश में शुरुआत से ही नुकसान  दिख रहा है। बोल रहे हैं कि फंड अच्छा नही है। फंड बदलने की मांग कर देते हैं। जो निवेश 3 साल या ज्यादा पुराना है, उसमें फायदा दिख रहा है, एक साल या उससे  कम  पुराने सिप (SIP) में कोई फायदा नहीं दिख रहा है। उनको यही समझाते हैं कि फंड का कोई दोष…

[kameshwar]

Joy And Sorrow

The seed of sorrow lies in happy times and the seeds of joy lies in the difficult times. When you are having good times, please keep a note of the fact that bad times are round the corners and when going through bad times, please be sure that good times are round the corners. Good times and bad times are parts of the karma wheel. The key lies in staying unaffected. Don’t just be happy when you…

[kameshwar]

28 November 2024

Sometimes it’s important that you keep going. You are not enjoying the journey,  but you choose to keep going. You are tired of the monotonous routine,  but you understand that dropping off is a setback. The key lies in not giving up. The mind seeks novelty all the time. It wants fun, excitement and adventure. It’s always looking for one after another adventure.  You are doing the most exciting…

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27 November 2024

It takes 20-30 years of life to understand that what you need is peace, not money alone. What you need is happiness, not possessions alone. What your body needs is food that sustains, not the food that kills. A time comes when you start understanding what is noise and what is music. When you understand what you watch mostly enriches the content makers not you. The media makes every single event…

[kameshwar]

Procrastinate As Usual

If you didn’t need sleep, what would you do with all the extra time? All lives that live on this planet must either sleep for some time everyday or must hibernate.  Sleep just like breathing is unavoidable. You can go without food for a month and still live. But without sleep, you perish before that. Still out of some mysterious reason,  if I did not need sleep, I would still be doing the same…

[kameshwar]

Beach or mountains? Which do you prefer? Why? I’d prefer mountains any day. Generally speaking, beaches are generally for enjoyment seekers and mountains are for peace seekers. Mountains teach humility and solitude. Beaches turn you into a fun-seeker. Although this distinction rests in people’s imaginations. A man who enjoys solitude and peace would seek the same on beaches as well. A…