Showing posts with label FINANCIAL FREEDOM. Show all posts
Showing posts with label FINANCIAL FREEDOM. Show all posts

Clone App look alike Zerodha kite for fake trading

Apps that cloned Zerodha's user interface and help traders to screen record fake trading entry and exit, profit-and-loss (P&L) statements. As most of the youtubers use zerodha kite trading platform to record their Live Trading and show their P&L statements. Hence, hackers entered here and made these clone apps available for sale.

This way, people who want to defraud others by showing fake trading P&L statements do not have to Exhaustively photoshop screenshots. Instead, they can simply use these apps to input the profit number they want to show, and generate a counterfeit statement and put it on their Youtube channel, Instragram, Faebook, twitter and other social media platforms to sell their dummy courses for ₹10,000 to ₹2,00,000.

Want to start export/import business? No idea how to start an export business?

Hope this serves the need of your search, India has become a popular destination for import sourcing. India is one of the countries in the top twenty nations of the world in the list of high volume exporting countries and is a world leader in various goods for exports like coffee, tea, spices, and certain gemstones.

First and foremost, you must know how to legally set up the export business in India, and then we shall proceed with the process. To ensure the safe and legal export of goods, the export business must follow a simple process.

200% profitable business? what is this business?

I had read so many articles and answers on many forum websites that suggest one to start your own YouTube channel, write blogs, Affiliate Marketing etc...

I personally observed and experienced that above suggested ideas requires a lot of patience. Those businesses require at least internet, a laptop/PC with a camera, good/valuable content that requires qualified candidate and finally huge amount of time investment. Conclusively, it’s a financial risk.

But I have came across with an actual story of one of my friends who started his business with only ₹500 if you model what he started 4 years ago.

NPS rules amended: Entry age increased, exit norms revised//

PFRDA (Pension Fund Regulatory and Development Authority) has revised the NPS guidelines on entry and exit, notable changes were on the maximum age limit for joining the NPS from 65 years to 70 years of age. 

The detailed age eligibility for entry in NPS has been revised as 18-70 years from 18-65 years. In short I have also registered in this scheme. 

As a huge relief for late entry pension subscribers in National Pension Scheme (NPS), the PFRDA has revised the rules for those joining it after 65 years of age. In a set of new rules, PFRDA has permitted them to allocate up to 50% of the funds in equity, besides easing the exit norms.

Any Indian citizen and Overseas Citizen of India (OCI) in the age group of 65-70 years can also join NPS and continue up to the age of 75 years, according to a PFRDA circular on the revised guidelines.

One of highlighted good news is “Those customers who have closed their NPS accounts have also been permitted to open a new account as per increased age eligibility norms," PFRDA said in a statement. 

The maximum equity exposure, however, will be only 15%, if subscribers joining NPS beyond the age of 65 years decide to invest, will be under the default option without any choices. A customer joining NPS beyond the age of 65 years, can have a choice of PF (pension fund) and asset allocation with the maximum equity exposure of 15 per cent and 50 per cent with respect to Auto and Active Choice.  

The NPS customer has the freedom to allocate his/her contributions to different asset classes through 'Active Choice' or 'Auto Choice'. Under 'Active Choice', the user has more way on allocation of funds across asset classes, while in 'Auto Choice' the funds gets invested in pre-determined proportion as per the age of the utilisers.

The contributions of customers are invested by the PF's (chosen by the customer) in compliance with the investment guidelines for each asset classes; namely equity, corporate bonds, government securities and alternate assets.

Customers joining the social security scheme beyond the age of 65 years can allocate only 5 per cent of the funds to alternate assets under 'Active Choice'. This asset class is not available under the 'Auto Choice' option.

"Important point to note is the PF can be changed once per year, whereas the asset allocation can be changed twice".

Normal maturity exit shall be after 3 years on the exit conditions for customers joining NPS beyond the age of 65 years, the circular said. 

One of the conditions say: The customers will be required to utilise at least 40 per cent of the corpus for purchase of annuity and the remaining amount can be withdrawn as lump sum.

However, if the corpus is equal to or less than ₹5 lakh, the user may opt to withdraw the entire accumulated pension wealth in lump sum.

The other conditions from PFRDA says; exit before the completion of three years will be treated as 'premature exit'. Under premature exit, the customer is required to utilise at least 80% of the corpus for purchase of annuity and the remaining can be withdrawn in lump sum. 

In the case of premature exit, if the corpus is less than ₹2.5 lakh, the customer may opt to withdraw the entire accumulated amount in one go. The PFRDA further said that in case of death of the subscriber, the entire corpus will be paid to the nominee as lump sum.

Other NPS customer's having a specified corpus at the time of retirement or attaining the age of 60 years need to buy an annuity, offered by insurance companies, on a mandatory basis.

Code Developing Vs Youtube video making Vs Blogging: Which Is the Best WFH Career Option in 2021?

In the world of AI aggression, this is a very crucial topic that we had decided to discuss here: Code Developing Vs Blogging Vs YouTube video making. As we are team of blogger's and youtuber's, this field is now like crowded, because it is a free source platform, Covid-19 financial impact pushed many unemployed into these source's. So, it became difficult in making money on these segments.

Now, take an example advertisement like
"whiteHatjunior- let your kids learn coding"

We have to agree that, this is the effect of the amazing marketing skills of our digital marketing industry, as many kids are prone to internet social media, they are not old enough to realize such things. It’s from the peer pressure created by all online learning platforms that are teaching coding from childhood to make the kids’ future bright. I really surprised after watching all the social media, TV commercials promoting this like crazy.

₹10,000 rupees every month from this government scheme //

Although there are many schemes of the Narendra Modi government available to the citizens, one of these government schemes is such that can prove to be very beneficial for you. If you invest in this scheme, you will not worry about the money after retirement as you can get a pension of up to Rs 10,000 every month. Under this, you will also get the facility of loans.

We are talking about the government's Pradhan Mantri Vaya Vandan Yojana (PMVVY). Under the Pradhan Mantri Vaya Vandan Yojana, the pension is given to citizens with a guarantee of 8.00% and 8.30% returns annually for ten years. Pension under the scheme can be taken on a monthly, quarterly, half-yearly or yearly basis. Citizens aged 60 years and above can invest in the scheme. There is no maximum age limit.

A few months ago, the government had announced to double the amount of investment in it. This will greatly benefit senior citizens. The investment limit has been raised by the government to Rs 15 lakh as against Rs 7.5 lakh earlier. Citizens will get a pension of up to Rs 10,000 per month. Let us know how to calculate the pension.

Under the scheme, if customers want a pension of Rs 1,000 per month, then they have to deposit Rs 1,50,000. At the same time, for a pension of Rs 10,000 per month, they have to deposit Rs 15,00,000. Pension is given under this scheme for a minimum of Rs 1,000 and a maximum of Rs 10,000. The special thing is that an online investment facility has also been provided in this scheme.

Not only this, but the scheme will also provide loans to customers. The maximum loan amount is 75% of the investment. However, you can avail of this facility only after three years of investment. The rate of interest is determined periodically. The interest will be deducted from the pension amount and the arrears will be at the time of withdrawal from the loan recovery scheme.

How can I do fundamental analysis of a stock //

There are many ways fundamental analysis of a stock can be done, but I am going to share my method of fundamental analysis and how I pick stocks for my long term portfolio:

How can I do fundamental analysis of a stock

Step 1: 

The financial performance:

The first thing I look for in a company is its past financial performance. Analysing past performance gives me a clear idea about company’s growth, earnings, profitability and how efficiently company is utilising its capital. For this I look at 5 to 10 years of company’s data in the form of financial ratios. I use financial ratios because it makes it easier to compare a company’s performance with its peers.

The financial ratios that I use are:

Basic EPS: 

This is the basic earning ratio which tells us about the company’s earnings on a per share basis. In other words, it is the ratio which tells us how much a company is earning against each share outstanding.

Cash EPS: 

A conservative ratio compared to Basic EPS, which calculates how much cash a company is generating against each share of the company.

Net profit margin: 

Gives you a idea about how much profit company is able to make on each sale made by the company. It is expressed in percentage terms.Higher percentage means company is able to charge high price from its customers, leaving fat profits in the pocket of the company.


Gives an idea of how the company’s capital is financed. Companies with high debt usually are riskier investment because if a company suffers a loss, it still has to pay its debt, which can sometimes even lead to bankruptcy of a company. A company with low or zero debt is always preferable.


It is a financial ratio that measures how efficiently a company is utilising its capital. For example i a company has employed Rs. 100 of capital and earns a return of Rs. 20, it means company’s ROCE is 20%. While Net profit margin shows the difference between the cost of making a product/service and revenue generated from the same, ROCE is calculated on total assets used by the company. Company with high ROCE are better investments as it shows company has good control over its financial resources and is able to run the business.

Dividend Per Share

It is the ratio that tells us how much dividend a company is paying against each share outstanding. Dividend is a part of company’s profit that company distributes to its shareholders. A company with consistent and growing dividend/share is a good investment as it keeps investors invested in the company.

Step 2: 

Reading Annual Reports: 

I usually read annual report of the company for the past three years. This gives me an idea about what the company has been doing in its business, what goals and targets it had set for itself and if it has achieved them. A company that sets clear and time bound targets for this business shows how professional, and ambitious the management of the company is.

Step 3: 

Future plans:

Every company has some future plans for its business. By looking at the company’s future plans, I get the direction in which the company is headed. Is the company going to start a new business, is it going to expand its current business? is the company planning to go overseas? All such questions are answered by analysing company’s future expansion and diversification plans.

After going through all the above mentioned steps I try to figure out how the company is going to look like in the future, What kind of revenues I can expect and what could be the profitability in the next 3 to 5 years. I don't try to get the exact number but just a ballpark percentage growth I can expect in the future.

Step 4: 

Critical analysis:

 The fourth step I follow is to write down all the logical and rational reasons why I should invest in this stock. Doing so gives me ample positive and negative points about the company and areas where I should be cautious while investing. It is said that “If you cannot fill a page with logical reasons why you should invest in a stock, then you should not make that investment.“

Step 5: 

Waiting for the right price:

Finally, I wait for the market correction to buy the stock at a low price. I do not put all the money at once, but buy on every dip in the price. Then there is a very long period of waiting, giving my investment time to grow. When I feel it is time to sell the stocks I start selling them in small quantities on every rally.

You may feel it's a lot of work, but trust me it's really worth all the effort.

How do I Build a Retirement corpus of 1 Billion or 10 Crores?

Let's say you are currently 30 years old and plan to retire by 45-50 years.

It's Definitely achievable as I have a similar plan!

I need few assumptions which are as follows:

You are Married.

No Kids.

Living on Rent.

Have savings of around 10–15 lakhs.

Combined salary (couple) is 1 lakhs.

The ballpark figure we want to achieve is 10,00,00,000 & 

Following is the plan how we will be achieving it:

( STEP 1 ): Budgeting is the most important part of the whole plan. It is like the diet plan when you join a Gym.

The 50/30/20 rule;

This is a popular rule for breaking down your budget. The 50-30-20 rule puts 50% of your income toward necessities, like housing and bills. Fifty percent should then go toward financial necessities, like paying off debt or saving for retirement. 30% of your income can be allocated to wants, like dining or entertainment. In which you use 20% of your income for financial goals.

The 20/10/70 rule (I personally follow this)

This is a popular rule for breaking down your budget. The 20–10–70 rule puts 20% of your income toward necessities, like housing and bills. Twenty percent should then go toward financial necessities, like paying off debt or saving for retirement. 10% of your income can be allocated to wants, like dining or entertainment. Out of which which you use 70% of your income for financial goals.


In case you find that your income is not sufficient towards the necessities 20 percent, then either pick skills which will land in a high paying job or downsize the lavish house, if you can.

The 10 percent is more than enough trust me for a month as it will keep you in check and also you need to follow the rule of “Wait for one week before you buy something costly”.

The 70 percent you will be investing now will give you a kickstart and will push your financial goals in a very comfortable zone from the starting itself.

‘Once you have WON this race , we will move on to the next one’

( STEP 2 )

Now retiring at 45 is like you are plucking the mango at the perfect time. F.I.R.E is an approach that is followed by many and is mostly famous in foreign countries where people earn enough to let the amount cover their expenses for the life afterwards. It means Financial Independence Retire Early but you need to be as frugal as possible to retire as early as possible.

I hope you have thought of these before retiring:

What will you do once you retire? (I have planed to start my e-commerce along with a Hedge Fund )

Have you got your family covered of any unwanted expenses or accidents ?

Do you have a place or shelter where you can live peacefully and grow your family ? (Can be skipped if you are including the rental income as a monthly expense too.)

( STEP 3 )

Once you have the reply to all the questions above we can move on for the plan . If you will retire at the age of 45 then your average life expectancy will be somewhere at 70 . That gives us 25 years and hence one should have atleast save 25 years of expenses in his/her investment account.

( STEP 4 )

Now have a quick foresight and think of a few financial goals which are not yet achieved like Children education, their marriage and alike. So you need to have these saved too, So that your family doesn’t have to turn to someone else for someone else or take a loan for the same.

These 3 steps will give you a Head start and I hope you and your family will prosper always. 

Hope you enjoyed reading this article, please comment us your plan which is more 'favourable and quick to exit rat race'. Our sole purpose is to Keep educating others.

Paying 20 Genuine and Real Work from Home Jobs//

Paying 20 Genuine and Real Work from Home Jobs

Work-from-home jobs were on the rise as the coronavirus pandemic forced businesses to vacate their work spaces. Now, the demand for remote working is greater than ever.

“Employers are much happier with the work-from-home experience than they expected,” economist's says. Employers seem to be embracing this new reality, now that they’ve had experience with it. It worked better than they thought and they’re supporting in cost cutting process.

FlexJobs, a marketplace for remote jobs, has seen a 50 percent rise in site traffic from one year ago.

“We are likely at a tipping point where some level of remote and flexible work will become a long-term and important component of a healthy organization, both in emergency preparedness and regular operations,” says Brie Reynolds, career development manager and coach at FlexJobs.

Beware of 'Work From Home' -WFH scams🚫

However, for every real work from home jobs, there are dozens of frauds. Scammers try to steal your identity and/or money by getting personal information that a new hire would be expected to give an employer, such as a Social Security number or bank account number.

Before providing your personal info look for these signs, So you get to know that you are dealing with a legitimate employer:

The hirer is an established company.

The job ad includes the company name and does not ask applicants to reply to a blind email address.

Human resources personnel are available for questions.

They mention of company benefits and vacation policies, Terms and conditions— these information commonly associated with “real” employment.

There is an application and interview process, not simply an emailed offer for direct joining without meeting or debriefing.

The employer can detail the job duties and expectations.

There was a list of 20 legitimate work from home jobs. Wage and job growth data comes from the 2018 edition of the Bureau of Labor Statistics’ Occupational Outlook Handbook. The BLS lists “median” wages rather than “average” wages. The median wage is in the middle of the data set, with half of the jobs paying less and half paying more. BLS job-growth projections are for 2018 to 2028.

20 Genuine and Best work from home jobs:

Web developer

Computer support specialist

Virtual assistant


Marriage and family therapist

Paralegal/legal assistant


Franchise owner

Social media specialist

Licensed insurance representative


Medical transcriptionist

Data entry specialist

Graphic designer

Customer service representative

Software developer

Website tester

Registered nurse

Meeting, convention and event planner

Bookkeeping, accounting and auditing clerk

1. Web developer

Web developers create and design websites for personal or commercial use. They can put their skills to use in publishing, advertising, management consulting, computer systems design and other fields.

Employment growth over 10 years is projected at 13 percent, which is much faster than average.

Median annual wage: $73,760

2. Computer support specialist

Corporations, nonprofits, call centers and many other businesses hire computer support specialists to work remotely.

Kate Lister, president of Global Workplace Analytics and co-author of “Undress for Success: The Naked Truth About Making Money at Home,” names computer support specialist as one of her top work-at-home jobs.

The BLS projects 10 percent growth in this field through 2028 as organizations upgrade their computer equipment and software.

Median annual wage (computer network support specialist): $63,460

Median annual wage (computer user support specialist): $52,270

3. Virtual assistant

Virtual assistants provide administrative, technical and/or creative services for a wide range of industries such as health care, legal, government and finance. You can own a virtual assistant business or work for a company that makes you available to clients.

Because virtual assistants work in many different fields, the pay range is broad. The highest-paid virtual assistants work full time and offer executive support or higher-pay services such as web design, says Rat Race’s Durst.

Median annual wage: N/A

4. Interpreter/translator

If you have a native-level proficiency in English and at least one other language, you can find work-from-home job opportunities with schools, hospitals, courts, corporations and other public and private sector entities. Interpreters work in a spoken language or sign language; translators work with written or audio documents.

The BLS projects 19 percent growth in this field, which is much faster than average.

Median annual wage: $51,830

5. Marriage and family therapist

Marriage and family therapists usually work full time and many have private practices. Online video conferencing apps such as Zoom and Skype make it possible for therapists and their patients to talk without either of them having to commute.

The BLS growth outlook for this profession is “much faster than average,” with 22 percent growth projected over 10 years.

Lisa Marie Bobby, founder and clinical director of, a Denver-based marriage, family therapy and life-coach practice, has been meeting patients online since 2010. She says it’s easier and is a more efficient use of time.

“It’s a 45-minute meeting versus a three-hour event that you have to find time for,” she says, adding that online therapy sessions are more conducive to regular attendance and reduce patient no-shows.

Median annual wage: $49,610

6. Paralegal/legal assistant

Paralegals and legal assistants do a variety of tasks to support lawyers, such as legal research and preparing documents. Though most work for law firms, these jobs can be found at government agencies and corporate legal departments

There is 12 percent projected job growth in this field.

Median annual wage: $51,740

7. Teacher/tutor

Advanced technology and high-speed internet connections have created more opportunities for teachers and students to work together from afar.

“With more states allowing children to attend public school online, there’s been growing demand for K-12 teachers,” Durst says. “We’re seeing a huge demand for people to teach children in Asia, primarily in China, to speak English.”

Your income “depends on how many hours you’re applying to it and the type of classes you’re teaching,” Durst says.

The BLS projects the demand for teachers to grow, especially at the college and university level.

Median annual wage (kindergarten): $56,850

Median annual wage (elementary school):$59,670

Median annual wage (high school): $61,660

Median annual wage (college/university): $79,540

8. Franchise owner

Owning a business can be a good path to working from home. For an initial investment, franchises offer an established business with brand awareness, a business model, a territory and maybe even access to capital. There are franchise opportunities in mailing and shipping, cosmetics, travel, marketing, employment and staffing, retail and many more industries.

Franchises can cost a lot of money, but there are opportunities for less than $50,000, says Jania Bailey, CEO of FranNet, a franchise marketplace. “You might be able to get financing from the (Small Business Administration) or the lenders the brand works with. It’s a little more affordable than people think. If it takes $100,000, you might need $20,000.”

Above all, Bailey says, don’t limit yourself. Franchise opportunities are not limited to small cottage industries.

Median annual wage: N/A

9. Social media specialist

It’s becoming increasingly important for businesses to have a presence on social media. If you have a knack for using social media platforms such as Facebook, Twitter and Instagram, you could work from home by helping businesses promote their brand and their products through social-media marketing. This job is in the top 20 for postings at ZipRecruiter.

Median annual wage, according to ZipRecruiter: $50,088

10. Insurance sales agents

Many people find it easy to shop for insurance online, but they often need to talk to a licensed insurance rep to help them choose the right policy.

Insurance companies are increasingly outsourcing their incoming phone calls to contact centers, which then have to hire or contract with licensed insurance reps “because state laws mandate that only licensed agents can ‘sell’ policies,” says Rat Race Rebellion’s Durst. So, if you see an ad on TV for a life insurance company and call the number on your screen, there’s a good chance you’re talking to someone who is working from home.

“As you can imagine, it can be quite difficult for the contact centers to find people with the proper credentials, so the job ads are all over the place,” Durst says.

The BLS projects 10 percent growth in this field.

Median annual wage: $50,940

11. Writer/editor

If you have a computer, internet access and the right credentials and/or experience, there are work-from-home opportunities for people with writing, editing skills, proofreading and fact-checking skills.

Bloggers, journalists, technical writers and editors who know how to plan and present content and meet deadlines face a competitive market.

Median annual wage (writer): $63,200

Median annual wage (editor): $61,370

12. Medical transcriptionist

A medical transcriptionist listens to voice recordings from doctors and other healthcare workers and transcribes them into written reports. A transcriptionist can work for a hospital, doctor’s office, a third-party service or be self-employed.

The expansion of healthcare services is expected to drive demand for this job, but a slight decline is projected due to technological advances and outsourcing.

Median annual wage: $33,380

13. Data entry specialist

A data entry specialist, sometimes called a data entry operator or clerk, inputs information from handwritten or physical records into a computer system.

These records can be bills, reports, medical records, canceled checks or other data. This job is in ZipRecruiter’s top 20 job postings.

Median wage, according to ZipRecruiter: $16 per hour

14. Graphic designer

If you have experience designing logos and T-shirts or using computer software to create brochures, advertisements and book covers, you could make good money working from home.

Websites like and can help you meet potential clients who need your services. How much you earn will depend on the scope of the project and your experience. The BLS projects 3 percent growth in the field.

Median annual wage: $52,110 per year

15. Customer service representative

When you call to order something from a catalog or infomercial, the person on the other end of the line might be sitting in a home office. Hiring independent contractors to handle complaints, process orders and answer questions is a big industry.

Customer service reps work for retail stores, banks, utility companies, credit agencies and many other types of businesses.

Median annual wage: $34,710

16. Software developer

Software developers create the applications or systems that run on a computer or another device. They apply the principles of engineering, analytics and computer science to develop and test all kinds of software and applications. Many software developers are employed by firms that deal in computer systems design and related services, manufacturing, or for software publishers.

The BLS projects 21 percent job growth for this field. It’s one of the top job listings on ZipRecruiter.

Median annual wage, according to ZipRecruiter: $86,523

17. Website tester

Sites like and pay people to test different websites and mobile apps, then share their feedback. pays testers $10 per 20-minute test. Testers then share their feedback in a video.

“Companies want to make sure that the user experience is a good one, and the boardroom is not always the best place to get unbiased feedback,” Durst says. “So, they use services like this to get insights from people who come from the demographic pools that are in their target markets.”

Opportunities for this work, sometimes called “remote usability testing,” may be limited. This is more of a side gig.

Median annual wage: N/A

18. Registered nurse

The growth in “telehealth,” which is health care services delivered remotely through computers and mobile devices, has given registered nurses opportunities to work from home.

“With more insurance companies adding ‘new parent support lines’ and ‘telephonic triage’ and other phone options that help meet their customers’ needs without having to visit a doctor’s office, there’s been a big increase in demand for registered nurses,” Durst says.

The BLS projects 12 percent growth in this field.

Median annual wage: $73,300

19. Meeting, convention and event planner

Whether it’s a convention, a fundraiser or a birthday party that needs to be organized, event planners have ample opportunity to do a lot of the work from home via phone and computer.

The job may require you to visit potential meeting sites. Candidates with experience in the hospitality business and a college degree in hospitality or related field such as tourism management will have the best opportunities. The BLS projects 7 percent growth in this field.

Median annual wage: $50,600

20. Bookkeeping, accounting, auditing clerk

Bookkeeping, accounting and auditing clerks produce financial records and ensure their accuracy. These jobs are suited to working from home, with occasional visits to clients and some overtime hours to be expected.

Employment in this field is expected to decline somewhat by 2028 as technological changes and automation reduce demand.

Median annual wage: $41,230