vinod kumar saini

Lecturer of Physics in Govt Sr Sec School, under Govt of Rajasthan

[vinod kumar saini @vinosaini8]

@amazonIN I immediately requested a return and full refund. Instead of resolving issue, I have been subjected to repeated difficulties under the return process and unacceptable behaviour from the pickup personnel.

Order No.: 403-7281563-2577143
Delivery Date: 1 September 2026

[Sunil Gurjar, CFTe @sunilgurjar01]

10 Important Personal Finance Rules!💰

Spend a few minutes reading some extremely useful and important personal finance rules.⬇️

Bookmark It!🎯💯
1. Rule of 72 (Double Your Money)
2. Rule of 114 (Triple)
3. Rule of 144 (Quadruple)
4. Rule of 70 (Inflation)
5. 50-30-20 Rule
6. 3X Emergency Rule
7. 40℅ EMI Rule
8. Life Insurance Rule
9. Rule of 10
10. The 4% Rule

1. Rule of 72:
No. of yrs required to double your money at a given rate, U just divide 72 by interest rate
Eg, if U want to know how long it will take to double your money at 8% interest, divide 72 by 8 and get 9 yrs

At 6% rate, it will take 12 yrs
At 9% rate, it will take 8 yrs

2.Rule of 114:
No. of years required to triple your money at a given rate, U just divide 114 by interest rate.

For example, if you want to know how long it will take to triple your money at 12% interest, divide 114 by 12 and get 9.5 years
At 6% interest rate, it will take 19yrs

3.Rule of 144:
No. of years required to, quadruple your money at a given rate, U just divide 144 by interest rate.
(For eg, if you want to know how long it will take to quadruple your money at 12% interest, divide 144 by 12 and get 12 yrs
At a 6% interest rate, it will take 24yrs

4. Rule of 70:
Divide 70 by the current inflation rate to know how fast the value of your investment will get reduced to half its present value.
The inflation rate of 7% will reduce the value of your money to half in 10 years.

5. 50-30-20 Rule:Allocation
Divide your income into
50℅ - Needs - Groceries, rent, EMI
30℅ - Wants - Entertainment, vacations, etc
20℅ - Savings - Equity, MFs, Debt, FD, etc
At least try to save 20℅ of your income.
You can definitely save more

6. 3X Emergency Rule:
Always put at least 3 times your monthly income in Emergency funds for emergencies such as loss of employment, medical emergency, etc.
You can have around 6 X Monthly Income to be on a safer side

7. 40℅ EMI Rule:
Never go beyond 40℅ of your income into EMIs.
Say you earn, 50,000 per month. So you should not have EMIs of more than 20,000.
This Rule is generally used by Finance companies to provide loans. You can use it to manage your finances.

8. Life Insurance Rule:
Always have Sum Assured as 20 times of your Annual Income

9. Rule of 10
For big discretionary purchases, reflect on how it will make you feel in 10 days, 10 weeks and 10 years. Perspective can calm buying urges for purchases you later regret.

10. The 4% Rule
The 4% rule is a common rule used in retirement planning to help you avoid running out of money. It states that you can (without any hassle) withdraw 4% of your savings in your first year of retirement and alter that amount for inflation for every subsequent year without risking running out of money for the next, at least 30 years.

For example- Your annual expense is 500,000, then the corpus required to retire is 1.25 cr. If we put 50% into fixed income & 50% into equity and withdraw 4% every year, it would be Rs.5 lakh. This rule works for 96% of the time in a 30 year period.

𝐉𝐨𝐢𝐧 𝐌𝐲 𝐅𝐫𝐞𝐞 𝐖𝐡𝐚𝐭𝐬𝐚𝐩𝐩 𝐂𝐡𝐚𝐧𝐧𝐞𝐥 for Breakout Stocks and Daily Updates- https://t.co/tTfP7pjfbY

Credit-
@MarketScientist
, I have added last 2 more basic finance rule which one should be aware of.😀

I appreciate your patience in studying the lengthy yet essential message.😃🙏

Do Retweet for larger reach so that others also can also benefit.🙏

[vinod kumar saini @vinosaini8]

"गुरु ही जीवन का सच्चा आलोक हैं"
मेरे आदरणीय गुरुदेव श्री नंदकिशोर शर्मा — भूतपूर्व ब्लॉक शिक्षा अधिकारी, जिनके सानिध्य में शिक्षा केवल पुस्तकों तक सीमित नहीं रही, बल्कि जीवन जीने का सलीका भी सीखा।

[Pankaj Parekh @DhanValue]

15 Stocks with high levels of insider buying the past 3 months.
# JSW Infra.
# KPIT Technologies
# IREDA
# Data Pattern
# Maharashtra Seamless
# Zydus Wellness
# Cera Sanitaryware
# Ami Organics
# Anup Engineering
# KP Energy
# S.J.S. Enterprises
# Salzer Electronics
# STEL Holdings
# Arrow Greentech
# Zodiac Energy
08-03-2024
Source: Simply wall st

[Navneet Jain @navneetjain71]

आदरणीय मुख्यमंत्री @BhajanlalBjp जी से विनम्र आग्रह है कि नियम संशोधन पत्रावली 00127का कार्मिक विभाग से नोटिफिकेशन जारी करवाने का श्रम करें ताकि 50 हजार शिक्षकों की पदोन्नति का रस्ता खुल सके ओर आपकी 100 दिवस की कार्य योजना को मूर्त रूप मिल सके 🙏
@RajCMO
@KumariDiya
@ResaVP01

[vinod kumar saini @vinosaini8]

@sunilgurjar01 Your poss are great support for us..

[H.D.P @HRS40751282]

@GPSC_OFFICIAL Please release the interview program post 09-08-2022.
You should At least give 15-20 days before any interview ....Such an irresponsible body it has become after @dineshdasa1 sir left the @GPSC_OFFICIAL

[Physics In History @PhysInHistory]

Maxwell's equations are of great generality. They apply to all charge and current densities, whether static or time-dependent. Together, they describe the dynamical behaviour of the electromagnetic field.

1)∇.D = ρ
2)∇.B = 0
3)∇xE = -∂B/∂t
4)∇xH = J +∂D/∂t

[vinod kumar saini @vinosaini8]

Life is evergreen...
Like this Syngonium... @ Naenwa, Rajasthan, India https://t.co/g8dR4ZoAXB

[Pankaj Parekh @DhanValue]

*I WILL PUBLISH IT AS
MANY TIMES AS I CAN*

"War is a place where young people who don't know each other, and don't hate each other, kill each other, by the decision of old people who know each other, and hate each other, but don't kill each other..." 

__ Erich Hartmann

[vinod kumar saini @vinosaini8]

Nature is always more than beautiful... @ Nainwa https://t.co/nzCb6j7dIl

[Alok Jain ⚡ @WeekendInvestng]

I know i will get trolled but this is too funny to not share.🤠

[vinod kumar saini @vinosaini8]

@ipo_mantra Yes I got it..

[Dhurandhar @Vilaskawale07]

एक ममी की सटीक भविष्यवाणी 😲😳

मिस्र के एक राजा फिरौन की ममी को जिस संग्रहालय में रखा गया है, उससे पता चलता है कि वर्ष 2020 से ममी मे से उच्च आवृत्ति वाली सूक्ष्म ध्वनि सुनाई दे रही है। शुरू में इन ध्वनियों पर किसी ने ध्यान नहीं दिया लेकिन अब जनवरी 2021
1/2..

[Z La Luna @LauraLaLuna1]

Now you can't say they didn't warn you 💉
#ClotShot #CovidVaxExposed #DdimerTest #BloodClotting #Death #heartattack #Stroke #BellsPalsy #VaccineSideEffects #Ireland #CovidVaccinesideeffects #Plandemic #InformedConsent #Thrombocytopenia #DoNotComply #DIVOC #DepopulationAgenda