Sandeep

[Sandeep @Sandeep68416349]

@LarissaFernand Thatsy earlier generation never believed n depended on govt for anything everytime they secured their own money food

[MoneyTalkWithL @LarissaFernand]

Be smart with these 3 variables to avoid nasty shocks:

INFLATION. Overestimate. Don’t go by govt CPI numbers

LONGEVITY: Overestimate. Don’t go by average life expectancy

RETURN: Underestimate the return on your portfolio.

#RetirementPlanning

[MoneyTalkWithL @LarissaFernand]

If you have a spending problem, make a note daily on “what you buy or spend on to impress”.

Don’t show it to anyone.
Be brutally honest. It will be an eyeopener.

[Sandeep @Sandeep68416349]

@LarissaFernand u also suggest if u hav anything in a balance way v cn move to spending also?

[James Baird @james_d_baird]

my favorite part of every day is reading with the boys at night

my dad read to me as a kid and those are my most treasured memories with him

[Sandeep @Sandeep68416349]

@SahilKapoor thanks..these data give confidence to remain invested in market in whichever way..

[Sandeep @Sandeep68416349]

@malikpassionate @EquityInsightss isi ka 100 wala b shi chla h

[Sandeep @Sandeep68416349]

@LarissaFernand I should make a book of ur finance literacy article now...so deep in meaning n valuable for whole life ..thank u for sharing

[Pankaj Tibrewal @pankajtibre]

Indian equities today feel like a scene from Deewar.

One side says:
“Mere paas growth hai, momentum hai, narrative hai…”
Defence. AI. Data centres. New-age capex etc 
Great stories, strong growth — and valuations that already discount a lot of tomorrow.

The other side quietly says:
“Mere paas valuation hai.”
IT. FMCG. Private Banks.

Little momentum, few headlines — but valuations in several pockets are below long-term averages.

The market today is not simply expensive or cheap.
It is two markets living under one index.

And history often reminds us:
The best business is not always the best investment at any price. And the most boring sector rarely stays boring forever.

The real question for investors is not Growth vs Value.

It is: How much are you paying for growth, and how much pessimism is already priced into value?

A word of caution: markets can sometimes overpay for growth, especially when a compelling narrative creates more excitement than cash flow. Strong growth alone does not guarantee strong returns if valuations leave little room for disappointment.

The discipline is to select businesses with durable cash flows, sound balance sheets and sensible valuations — and not get carried away by the story, however attractive it may be.

[Investing @ Prakash @Prakashplutus]

Important Warning ⚠️

Pump & dump is running full swing again in low-float Microcaps / SME stocks.

Same playbook as last cycle: operators accumulate cheap, flood Telegram/WhatsApp with “pakka multibagger” tips, retail FOMO buys the top — then they dump.

Tiny float makes it easy to pump 2-3X and crash 70-90%.

Don’t become their exit. Ignore unverified tips. Check float, volumes & fundamentals.

Stay careful.

[Sandeep @Sandeep68416349]

@LarissaFernand U ask for balanced approach despite financial expert

[Sandeep @Sandeep68416349]

@LarissaFernand Recently reading Davis dynasty in which warren buffett was extremely frugal this second part of personality we people don't know which in think led to family unhappiness

[Sandeep @Sandeep68416349]

@propertylenden what to say for chloride in water used for construction in this particular dwarka express way side buildings which affects badly concrete n iron used in it. as Adani oyester latest case study?

[Karan Rajpal @IronyMeter]

After homeopaths, dermatologists are number one in prescribing useless medicines in India.

Proof points:
1. Prescribed medicines are only available in their own pharmacy at clinic

2. Medicines are full of OTC ingredients which are not subject to the same testing as medical ingredients

3. Many 'medicines' contain regularly used OTC products such as calamine lotion with some exotic additions

4. Even in case of chronic skin issues which are documented as non treatable and of unknown cause, treatments are applied for long periods

5. If they own it, cosmetological treatments are highly recommended with 'can help' advice

Be very careful about the dermatologists you visit.

[Sandeep @Sandeep68416349]

@IndraprasthaCap esconet technologies

[Sandeep @Sandeep68416349]

@SahilKapoor U read even 2 pages also on some very busy day ..visit to some out of station or som other work

[Siddharth's Echelon @SiddharthKG7]

I know someone needs to hear this.

Indian bathrooms are highly unequipped for old people. Then we use tile & granite too.

19% of accidents happen in slippery bathrooms. 1 in 4 people have a serious fall in bathroom.

To mitigate that danger, use this.

[Sandeep @Sandeep68416349]

@investor_vineet @poojaofficial5 ur preferred choice? min is honda elevate

[Sandeep @Sandeep68416349]

@investor_vineet @poojaofficial5 m searching for new one which one u suggest in range of 12 to 15lac?