Don't buy the house, stay on rent and invest, when the investment matures you can buy a better house. This is the most ridiculous thing finfluencers peddle, nobody considers the emotional angle having your own roof, the risk of your landlord kicking you out anyday, the amount of restrictions you have to face as tenant.
Bro.. what you said is 100% correct, but the thing is which person can live very comfortably in the rented house then that person can invest their money and grow like anything. please understand their perspective, finfluencers explaining how it is easy to grow our money easily.
@@tanmaykumar8307bhai if an economic crisis happens even if a person who is paying EMI for his own house can also become homeless if he misses multiple EMI due to the crisis.
The best instrument of investment till the age of 30 is on SELF with education, upskilling and creating cherishful memories with friends and family because life is unexpected and unpredictable.
I think this is the most practical video on this channel till date.. a very important one to digest in the current markets.. If you don't enjoy your life because you have to invest.. you're actually missing the point on why you're investing. Balance is the key!
I have always had that extreme saver mindset. Never enjoyed my early 20s because of that. Now I'm in my late 20s, I regret that decision deeply. Don't make this mistake, live your life!
We actually need deinfluencers like you. I was also feeling anxious and depressed after realising that instead of buying a bullet, I should had invested in some stocks. But now I am relaxed to know that it’s just these influencers strategy for views to induce FOMO .
The irony is that these so called ‘finfluencers’ did not get rich (or earn) through the very advice they give in their videos. But rather through social media revenue and selling courses. Thank you for finally calling out on them!! I wonder how many of these self declared ‘finfluencers’ had invested in stocks when they were 18 or 20s and still hold those stocks, and can claim they have compounded their money multiple folds. I doubt if there are any.
It's all fun and games until you realise, you have no friends, probably never falling in love again, waking up everyday and workout is what you look forward to, and finally enjoying the commas grow in your portfolio, brings a smile on your face then my friend, do it. Live a little but make sure you don't grow up to look back and utter this line, "WHAT COULD HAVE BEEN". Cheers to my fellow lone wolves.
Finally a video thats sensible. Was genuinely fed of these so called ‘fin influencers’ giving life advises using an excel sheets. Life is not an excel sheet!!!!
It is a simple loop. Earn skills -> Get good at it -> Get paid well for those skills-> This generates capital. Once you have capital - > Deploy in the markets to reap rewards Remember - 10% notional profit of 50,000 portfolio is 5000 Whereas, 10% notional profit of 5,00,000 portfolio is 50,000. Greater the capital deployed, greater the profits and greater the risk :)
One more problem I observe is when influencers do this math they consider linear returns... For eg: 10% returns for 25 years you will have 1Cr. But the bitter truth is some years you achive that return and in some years you don't. So people should understand the logic behind that....
"Love this take on deinfluencing in the stock market! Prioritizing long-term value over trends can lead to smarter investments. Great perspective! 👍📈💰"
Spot On!!! Both are important. We are here to live LIFE in the present and not all the time in Future 😃😃😃😃 and not just invest, but we should do some investment. Thanks for making this video 👍
The thing is just don’t just blindly listen to any influencer including this video makers , just use your own mind and try to create a striking balance between your income , your wants and try to invest something in the markets after u have upskilled yourself and earning a good amount of income from your job or business as that is primary ..
Absolutely amazing video. Much needed for the present situation. Life is not always about just saving the money. It's about how we save the money while living our lives happily😊
Many influencers on youtube are lately doing the same thing repeatedly. It takes time for people to understand that it's not practical always. Thanks for deinfluencing.
Thanks for getting back to us again We are actually serious about the investment but because of you and the 'Power of Stock' , learnt lots and yes " I don't need 25cr in 25 years , still happy with 1cr in 10 years " And I think 'Subhashis' sir should have to be your brand ambassador because we just know that Zerodha means the "Power of Stock" Thank you 😊
I think this is simple thing that most of the people knows that 1 crore has less value after few decades. I think this most of people know about. Nothing great about revealing it.
The Harsh Truth 🥺 to Gen Z that no one's saying because it hurts their Business 💵! But Zer01 Team is Different! Hats 🤠 off Prateek Sir 😎 and Team for Eye 👀 Opening Video like this! Keep making such Reality Facing Videos! 🔥
Even though I don't spend much of my time on those bs influencers, i still do an sip of 500 with YoY increament of 20% and yes I'm learning and up-skilling myself. PS- I'm 19. And yes Nice work Prateek this De-influencing series is awesome.. Kudos to you and your team!
Very well said.... Now a days finfluncer increase bp by FOMO which is higher then option trading or gambling... People wasting time on same concept which is repeated by adding one grain of salt in different videos of crore from sip.... Salute to you sir.....
I recently bought an ola s1 (cuz i wanted something casual fun) instead of buying ola IPO , I might see a reel in 2060 saying "if you had bought ola shares instead of scooter you would have been a richer person than ever .... bla bla bla " but I bet ola shares wont had been beautiful memory of celebration of purchase , nor they will be something that i could push on road due to software malfunctions ,or a knee injury due to skidding of in mud ... and what will I say when they ask what you did with your first salary ( i'll like to say i had fun ; ) investing is good but I think till I'm 25 i should just let parents handle money and then start investing in something that I find good : )
@@zk3957 I don't know brother I can only say that's it's a good scooter overall. As I said I only use it as a little fun short distance scooter instead of my regular sports bike .
You are lucky to have your parents around and also the fact that they are in a position to handle money on your behalf. Not everyone has that luxury. 😏
The SIP calculators should restrict the return percentage option to maximum 15%. Otherwise people will play around with returns and have unrealistic expectations from market.
@@abhijitroy4603 Good that you have got 20% returns. But in the long run keep expection of 15% max and then do all your calculations.. Anything more you get Wil be bonus..
When some random 23 yr kid says he want to support his family, Ankur be like, invest every month till you’re 160 yr old because you are a vampire & you’ll become a billionaire when all your family gets out of picture. Matlab kuch bhi!!!
Just to remind if people don’t know this hidden fact that the ONLY USE of money is to spend. Nothing else. You can spend it right now or spend it later in life but you have to spend it at some point of your life.
Thanks a lot , this video will be shown as adds in all those videos who constantly make you to feel missing out about financial investment and stress on savings as much as possible but nnot suggesting to live a little parallely 😊
Finally someone showed the actual amount you have to invest in later years in a step up sip All influencers do is just show 2 -3 years and show a big number at end
Very well said. The financial influencers aren’t entirely wrong. However, not purchasing something solely because it’s a liability might not be the most humane approach to handling such situations. Imagine growing up with the dream of owning a PlayStation with my own money and playing games on it. Now that I have the means to afford a PS, I begin to question its necessity and whether I should invest that money elsewhere.
Firo zeroani already told balance is key... So investment yet enjoy life. If you not invest much that's fine. Eventually you childern will work hard and find noble way of value of money.... Instead of crazy generation of rich dad and ayashi son....
I was under the sams kind of influence that one should never buy a house but keep on renting because that is financially better. Took me a year to realise that not everything is about finances and also the issues with living in a rented house with family. By the time I made up my mind about buying a house the market prices were up around by 50-60% and ended up spending more.
To summarise: 1) It's good to think about future, but we should enjoy life also, bcs isn't that's the whole point of doing it, kya kroge paise k jab jawan hi nhi rhoge 2) don't look at the absolute number, adjust the future value to how much it cost in the present (adjusted based on inflation) (actually sames true for past value also)
Nowadays everyone is so influenced that it's difficult to go to some places. When I go to bank they tell me to buy MF "good return". If I ask them to sell they say " don't sell, it will go up more market is going up" and when market is really down they say " now is the time to buy". Ofcourse I never buy from them .
All these “influencers” do is voice a random thought. The want views, fame and money. They are not giving you sound advice in any way. That guy talking about buying shares instead of buying a bike makes me laugh! What has he done in life to have that influencing power over you? This is why the government started taxing returns! If you are in your 20s, this video is gold. Watch it and think again about what life is really all about. It’s not about chasing money.
THANK YOU SO MUCH FOR SUCH A INTRESTING AND INFORMATIVE VIDEO...AGAR ISME BAS AAPNE OR EK BAAT MENTION KAR DI HOTI CAPITAL GAIN TAX BHI AAYEGA FUTURE RATE SE MATURITY PE .i.e. LONG TERM GAIN 😂 TO FIR TO OR MAJJA HI AAJATA
I believe its a personal opinion.. Personally, I'd rather struggle, miss on life experiences in my youth, the age when I would be able to sustain that torture, physically and mentally, rather than being poor and unstable in my old age.. Also, I've lived a life if deprivation and in poverty. My father did a small job. I realised in a very young age, not to ask for stuff as it'd make my father sad since he wouldn't be able to afford. He didnt left me good inheritance too. He didn't invest also, since he believed stock market is a scam. I don't wanna do over those mistakes. Even if I am not able to fulfill my life wishes, I'd make sure the next generation grows up wealthy, wealth enough to grant their wishes at the very least, and never worry about money stuff when it comes to buy small things like toys, outdoor dining, good clothes etc
While i see where you coming from but being in that position myself... It is very difficult of young professionals to come out of the company and from the toxic work culture and hence Most try to manage it and sometimes people fall.. Hence corporate should take up moral responsibility
Haha true that ... I enjoyed life without any care of retirement goals and after a few investment videos...I have been trying to increase our investments... N it's going crazy ... This video is a good place to Stop n think for a while n replan my investment strategies...
Check out Zero1 Women : www.youtube.com/@Zero1women/videos
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No Ankur was hurt
This should be disclaimer 😂😂
😂
😂😂😂😂😂😂
That id!ot even posted a story of his family having to eat 2 meals a day and all the emotional bs for god's sake 😂
Best comment 😂😂
No ankur warikoo was harmed during filming this video😂😂😂
😂😂 Lol
😂😂😂
I was looking out for this comment 😄
😂😂😂😂
Was going to comment the same 😄😄
Don't buy the house, stay on rent and invest, when the investment matures you can buy a better house. This is the most ridiculous thing finfluencers peddle, nobody considers the emotional angle having your own roof, the risk of your landlord kicking you out anyday, the amount of restrictions you have to face as tenant.
Right and the rent going up every year..
And they don't consider the fact that you can be homeless, if any economic crisis happens in between that
True , That is a bull shit advise , house is priority . Every one must buy affordable house .house is your real asset .
Bro.. what you said is 100% correct, but the thing is which person can live very comfortably in the rented house then that person can invest their money and grow like anything. please understand their perspective, finfluencers explaining how it is easy to grow our money easily.
@@tanmaykumar8307bhai if an economic crisis happens even if a person who is paying EMI for his own house can also become homeless if he misses multiple EMI due to the crisis.
Bhai Sahab, you have opened the eyes, I wasn't even buying doodh and patti so that I can save and invest. Thanks much Prateek.
lol 😂
Enjoy the milk bro..
Tea and milk... Not fit for human consumption. You were doing yourself a favour.
Milk? @@TKInternational76
The best instrument of investment till the age of 30 is on SELF with education, upskilling and creating cherishful memories with friends and family because life is unexpected and unpredictable.
I think this is the most practical video on this channel till date..
a very important one to digest in the current markets..
If you don't enjoy your life because you have to invest.. you're actually missing the point on why you're investing. Balance is the key!
Moderation is the key.
I have always had that extreme saver mindset. Never enjoyed my early 20s because of that. Now I'm in my late 20s, I regret that decision deeply.
Don't make this mistake, live your life!
50 , 30 20 rule bro 50% ur needs 30% ur want and 20% investment it's nice plan right
@@astro9849correct
Dont regret, i know people who are now suffering. There used to be rich now they are facing financial crisis😂
@@SaikatSaha-yk1yq anything extreme is bad… save little bit and rest enjoy
We actually need deinfluencers like you. I was also feeling anxious and depressed after realising that instead of buying a bullet, I should had invested in some stocks. But now I am relaxed to know that it’s just these influencers strategy for views to induce FOMO .
The irony is that these so called ‘finfluencers’ did not get rich (or earn) through the very advice they give in their videos. But rather through social media revenue and selling courses.
Thank you for finally calling out on them!!
I wonder how many of these self declared ‘finfluencers’ had invested in stocks when they were 18 or 20s and still hold those stocks, and can claim they have compounded their money multiple folds. I doubt if there are any.
Same like fitness
Best Yt channel for financial influencing/De-influencing with practical story telling :)
Glad you think so!
@@Zero1byZerodha we all think so
It's all fun and games until you realise, you have no friends, probably never falling in love again, waking up everyday and workout is what you look forward to, and finally enjoying the commas grow in your portfolio, brings a smile on your face then my friend, do it. Live a little but make sure you don't grow up to look back and utter this line, "WHAT COULD HAVE BEEN". Cheers to my fellow lone wolves.
🫡
Finally a video thats sensible.
Was genuinely fed of these so called ‘fin influencers’ giving life advises using an excel sheets.
Life is not an excel sheet!!!!
I aggressively saved in the first 3 years and It definitely helped me.
It is a simple loop. Earn skills -> Get good at it -> Get paid well for those skills-> This generates capital.
Once you have capital - > Deploy in the markets to reap rewards
Remember - 10% notional profit of 50,000 portfolio is 5000
Whereas, 10% notional profit of 5,00,000 portfolio is 50,000.
Greater the capital deployed, greater the profits and greater the risk :)
One more problem I observe is when influencers do this math they consider linear returns... For eg: 10% returns for 25 years you will have 1Cr. But the bitter truth is some years you achive that return and in some years you don't. So people should understand the logic behind that....
1 paradox here - if everyone bought eicher motors share instead of buying their product so, would have their stock price risen that much?
forget their product if everyone would have just bought their shares who would sell them? if nobody sold them how would the price go up?
That would have caused a bubble,
That's called upper circuit @@zipzapzoom707
yepp very intelligent, but there'll always be a section of society who has surplus money & will spend in leisure or fun
This is the important thing to remember.
"Love this take on deinfluencing in the stock market! Prioritizing long-term value over trends can lead to smarter investments. Great perspective! 👍📈💰"
Enjoying life is also important as investing because it will not comeback. Agree everyone?
who else thought about ankur warikoo when that line- "aap bike kharidne ke jagah , uske share le lete toh aapke paas 'x' crores hote!"😅
Skip your daily chai and invest that ₹10 in the stock market. In 10 years, you'll have enough to buy the entire chai stall! 😜
👀👀
😂😂😂😂😂😂😂😂😂
😂😂
Not really , inflation increases the price of chai stall as well
After 10y the price of the chai also might high
Spot On!!!
Both are important. We are here to live LIFE in the present and not all the time in Future 😃😃😃😃
and not just invest, but we should do some investment.
Thanks for making this video 👍
The thing is just don’t just blindly listen to any influencer including this video makers , just use your own mind and try to create a striking balance between your income , your wants and try to invest something in the markets after u have upskilled yourself and earning a good amount of income from your job or business as that is primary ..
Absolutely amazing video. Much needed for the present situation.
Life is not always about just saving the money. It's about how we save the money while living our lives happily😊
Many influencers on youtube are lately doing the same thing repeatedly. It takes time for people to understand that it's not practical always. Thanks for deinfluencing.
Yes
Thanks for getting back to us again
We are actually serious about the investment but because of you and the 'Power of Stock' , learnt lots and yes " I don't need 25cr in 25 years , still happy with 1cr in 10 years "
And I think 'Subhashis' sir should have to be your brand ambassador because we just know that Zerodha means the "Power of Stock"
Thank you 😊
I think this is simple thing that most of the people knows that 1 crore has less value after few decades. I think this most of people know about. Nothing great about revealing it.
The Harsh Truth 🥺 to Gen Z that no one's saying because it hurts their Business 💵!
But Zer01 Team is Different! Hats 🤠 off Prateek Sir 😎 and Team for Eye 👀 Opening Video like this!
Keep making such Reality Facing Videos! 🔥
Even though I don't spend much of my time on those bs influencers, i still do an sip of 500 with YoY increament of 20% and yes I'm learning and up-skilling myself. PS- I'm 19.
And yes Nice work Prateek this De-influencing series is awesome.. Kudos to you and your team!
kya baat hai Shrivastav ji..ye baat hai.👌
Which fund do you invest in?
@@IshaniSharmaOfficial equity and debt funds.
❤❤❤ Real Information Is Always Better Than Reel Information 😂
Thankyou for making this de-influencing video 👏
I think you are the true financial influencer. Thank you for the video
One of the best 'financial education' video on RUclips today!
Very well said.... Now a days finfluncer increase bp by FOMO which is higher then option trading or gambling... People wasting time on same concept which is repeated by adding one grain of salt in different videos of crore from sip....
Salute to you sir.....
I recently bought an ola s1 (cuz i wanted something casual fun) instead of buying ola IPO , I might see a reel in 2060 saying "if you had bought ola shares instead of scooter you would have been a richer person than ever .... bla bla bla " but I bet ola shares wont had been beautiful memory of celebration of purchase , nor they will be something that i could push on road due to software malfunctions ,or a knee injury due to skidding of in mud ... and what will I say when they ask what you did with your first salary ( i'll like to say i had fun ; ) investing is good but I think till I'm 25 i should just let parents handle money and then start investing in something that I find good : )
How is s1 working? What's all over the internet about ola scooters true?
@@zk3957 I don't know brother I can only say that's it's a good scooter overall.
As I said I only use it as a little fun short distance scooter instead of my regular sports bike .
You are lucky to have your parents around and also the fact that they are in a position to handle money on your behalf. Not everyone has that luxury. 😏
I saw a so called influencer telling Mutual fund is a scam.Next scam in India gonna be in mutual fund industry 😅
The SIP calculators should restrict the return percentage option to maximum 15%. Otherwise people will play around with returns and have unrealistic expectations from market.
Ok so I have invest 5k in small cap mutual fund since 2015 the growth has been phenomenal n now it beyond 20%.
@@abhijitroy4603 Good that you have got 20% returns. But in the long run keep expection of 15% max and then do all your calculations.. Anything more you get Wil be bonus..
Nah, returns can be higher than 15%
Finally a video about investing and compounding that makes a sense
Imagine abhishek stopping his expeses and doing Sip! All the fun will be lost man 😂
Balance is key :)
So, have fun & do your SIP
"Really insightful view on deinfluencing in the stock market! Focusing on sustainable investments instead of hype is key for long-term success. 📈🌱"
"Purpose of accumulating wealth is life itself" what a line !!
When some random 23 yr kid says he want to support his family, Ankur be like, invest every month till you’re 160 yr old because you are a vampire & you’ll become a billionaire when all your family gets out of picture. Matlab kuch bhi!!!
Just to remind if people don’t know this hidden fact that the ONLY USE of money is to spend. Nothing else. You can spend it right now or spend it later in life but you have to spend it at some point of your life.
True words. Most people lose their sight on this fact watching fin-fluencer videos. Glad somebody brought this up.
Thanks a lot , this video will be shown as adds in all those videos who constantly make you to feel missing out about financial investment and stress on savings as much as possible but nnot suggesting to live a little parallely 😊
This was the video v needed . Video of the hour 💯 . Thanks Mr Prateek and Zerodha1 .
one of the best video i came across in this channel
I enjoy my life to the fullest. I do SIP for my short-term goals only. I am just doing NPS every year.
Caution: This channel is addictive
❤️❤️
The most important things is free cash flow, the more you increase that, the wealthy you become
Finally someone showed the actual amount you have to invest in later years in a step up sip
All influencers do is just show 2 -3 years and show a big number at end
Totally satisfied with the video and the title, a practical video
What if I did buy Eisher worth 1 lakh and I died during Covid, What Then ? What's the point of making money if you can't enjoy it.
Very well said. The financial influencers aren’t entirely wrong. However, not purchasing something solely because it’s a liability might not be the most humane approach to handling such situations.
Imagine growing up with the dream of owning a PlayStation with my own money and playing games on it. Now that I have the means to afford a PS, I begin to question its necessity and whether I should invest that money elsewhere.
This is what I have been living on. Enjoy that new bike, enjoy that new iPhone. Enjoyment is temporary. Death is inevitable.
Balance is key :)
True do it for your children and grandchildren so that they won't have problems in future
Firo zeroani already told balance is key... So investment yet enjoy life. If you not invest much that's fine. Eventually you childern will work hard and find noble way of value of money.... Instead of crazy generation of rich dad and ayashi son....
Simply do investing and enjoy life all together
Thank you for this amazing video! Loved your content. Keep it up!
Good advice. Factual. Keep it simple. Financial literacy is a serious lacuna.
very useful. Spend time on stock market when u have extravagant money to invest
Excellent eye opening video bro...keep it up
Sirji, your videos are amazing! Very realistic..great going!
This video is the Best. Every youngster who is going through a FOMO, should watch this video. Loved the content.
I am fan of yours, very honest , very true to basics
❤️❤️
You guys are really doing great work
"upar jaye to call, neeche jaye to put"
Investing is important but life is much more than that!
Thank you you catch correct point at last, I am also thinking divided stocks are best option, also need to monitor every year
I was under the sams kind of influence that one should never buy a house but keep on renting because that is financially better. Took me a year to realise that not everything is about finances and also the issues with living in a rented house with family. By the time I made up my mind about buying a house the market prices were up around by 50-60% and ended up spending more.
Good de influence video keep doing this kind of stuff.
Excellent pearls of wisdom. Thanks for doing this.
i Love ur content and presentation bro👌
Thank you so much 😀
Real People Talk Different
Real People feel Different
Real People Suggest Different
I'm glad Zerodha was always my first choice 👍☝️
You're doing a great job ❤
To summarise:
1) It's good to think about future, but we should enjoy life also, bcs isn't that's the whole point of doing it, kya kroge paise k jab jawan hi nhi rhoge
2) don't look at the absolute number, adjust the future value to how much it cost in the present (adjusted based on inflation) (actually sames true for past value also)
Nowadays everyone is so influenced that it's difficult to go to some places. When I go to bank they tell me to buy MF "good return". If I ask them to sell they say " don't sell, it will go up more market is going up" and when market is really down they say " now is the time to buy". Ofcourse I never buy from them .
Guys don't forget abt the government and cooperate bonds
Those are also good for passive income
If you're above 18, just give up already. ☺️
So relieving ❤❤
Eye opener, really.
All these “influencers” do is voice a random thought. The want views, fame and money. They are not giving you sound advice in any way. That guy talking about buying shares instead of buying a bike makes me laugh! What has he done in life to have that influencing power over you? This is why the government started taxing returns! If you are in your 20s, this video is gold. Watch it and think again about what life is really all about. It’s not about chasing money.
THANK YOU SO MUCH FOR SUCH A INTRESTING AND INFORMATIVE VIDEO...AGAR ISME BAS AAPNE OR EK BAAT MENTION KAR DI HOTI CAPITAL GAIN TAX BHI AAYEGA FUTURE RATE SE MATURITY PE .i.e. LONG TERM GAIN 😂 TO FIR TO OR MAJJA HI AAJATA
Now what I am gonna do is go get that bike ❤. you only stay young for soo long ❤😊
Thankyou for making this video !!!
How to catch stocks like Eicher Motors?
Superbly explained ❤
Glad it was helpful!
I was always a Nvidia fanboy, and always thought it was too big to give crazy returns.
I believe its a personal opinion..
Personally, I'd rather struggle, miss on life experiences in my youth, the age when I would be able to sustain that torture, physically and mentally, rather than being poor and unstable in my old age..
Also, I've lived a life if deprivation and in poverty. My father did a small job. I realised in a very young age, not to ask for stuff as it'd make my father sad since he wouldn't be able to afford. He didnt left me good inheritance too. He didn't invest also, since he believed stock market is a scam.
I don't wanna do over those mistakes. Even if I am not able to fulfill my life wishes, I'd make sure the next generation grows up wealthy, wealth enough to grant their wishes at the very least, and never worry about money stuff when it comes to buy small things like toys, outdoor dining, good clothes etc
While i see where you coming from but being in that position myself... It is very difficult of young professionals to come out of the company and from the toxic work culture and hence Most try to manage it and sometimes people fall.. Hence corporate should take up moral responsibility
Great content as always..! ❤ Prateek always looks super happy...
Through at us some secrets just like you did at 8:02 !
That would be really helpful !
❤️❤️😬
Conclusion.Focus on skill development or career then invest ...
career first then investment!!
Who is editing your vedios ? ❤
Invest what you can save without killing you desire and foremost important invest in yourself first.
Thank you sir ❤
Bigger relief, life saver
Can you please make a video on professional courses like CA,CFA,FRM ,CMA,CS and all can please de influence them too❤
What do you want us to cover in these episodes?
@@Zero1byZerodha are these couses really help to upskill our self . because they very costly
Haha true that ... I enjoyed life without any care of retirement goals and after a few investment videos...I have been trying to increase our investments... N it's going crazy ... This video is a good place to Stop n think for a while n replan my investment strategies...
Great video!
Ankur motors was hurt during this filming.
Very nice...
Dividend income is taxed @ 40% pa. for me.(as per slab rate)
Thanks to Mitron. 😅