Hi Mandeep, loved the podcast, and would definitely recommend you guys do these more often. One thing that I couldn't understand or calculate properly was the camera loan problem. Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each. First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months. Calculating this, I'll be paying 5.26% over a span of 2 months, which is about 31.5% per annum. How did you guys calculate 40?
Sir can you make a video on investment for students/freshers who are taking loan for education abroad mba to be specific?? Also how freshers can create multiple sources of income through stock and forex markets or others?? Reliable free sources??
Once you hit those kinds of numbers, it's not just about picking stocks anymore. You need a proper strategy-diversification, risk management, tax optimization, the whole deal. You’re playing with big money, and the stakes are higher as an advisor
I agree. Handling that amount is way beyond the 'set it and forget it' approach. There are so many moving parts. You need to look at long-term growth, liquidity for emergencies, and even estate planning if you’re thinking generational wealth
I’ve been managing a decent portfolio for a while now, but honestly, I don’t think I’d trust myself to go it alone once I get to that level. I mean, I don’t want to make a wrong move and lose years of hard work, you know?
That’s exactly it. The more your portfolio grows, the more complex it gets. I was in a similar position last year, thinking about how to handle larger investments. That’s when I got in touch with Joseph Nick Cahill-he’s a CFP, and the guy knows his stuff
He gives you this holistic plan-investment strategies, tax-saving options, estate planning. When you’re dealing with larger amounts, it’s not just about growing the money; it’s about protecting it too.
The sincerity in this video is demonstrated by the talkers advising against Credit cards for common people in a video sponsored by a company which depends on Credit card usage.
I am 15 years old girl and I am learning a lot from your video, and It gives me so much knowledge about finance that will help me alot in the future when I will start earning. thanks for making India financially educated 😊😊
Thats all good BUT i belive one should hone skills and stream of income before they come into markets and investments.dont be too distracted by investment Focus on studies and ur goals GOOD LUCK👍
Don't get scammed in applications just search before investing please. One and only request cause when you grow up you will think of money making ways and scammers will be there preying on people like you 👍
Yes my Dad started his job from 300 rupees per month and when he retired last year his monthy salary was nearly 2 lac per month so you don't know where will you end up as his 1st saving scheme was of LIC in 1995 which they were giving 1.5 lakhs at the end of 20 years maturity at that time his income was 1500per month so at that time 1.5 lakhs looks very big amount but when finally he got that amount it was less the his monthy salary so predicting future from current standpoint is very difficult you cannot say how much you need or how much you will make.
Lessons:- 1. Try to make retirement plan as monthly or annual as possible, coz when we receive lumpsum money, we tend to incur expenses superflously, which might make us pauper early and drain our retirement funds 2. 5 crs is enough money for retirement for limited needs. 3. We should buy and sell MFs after one year for LTCG, and save taxes. Do not believe that for MF, we have to invest for long term for more compounding. Coz we are just buying and selling, that does not impact our compounding. 4. 43:46 to 45:16 very interesting theory 5. Managing emotions during extremes like markets very low or very high, and taking actions at those times is what produces great returns. Ordinary returns to kya koi bhi kama lega. 6. End lessons are very important, end 4 minutes of video.
Saw it Twice.. Valuable information. Good Job LLA. 🤗🤗🤗🤗👏👏👏👏 Financial Education needs to be taught at School level. Importance of Investing Early years, Power of Compounding these are the things becomes more effective if taught Early ages. Need to make these Mandatory Practical lessons. India will Prosper much early and people will achieve Financial Freedom much sooner than they think. #A_Proud_Indian 🙏🙏
First time I saw a video about financial literacy without skipping a single second. Thanks for bringing in such a valuable content. Keep up the good work!!
This podcast blown my mind ...I was used to feel lucky that I have a salary and I could invest the same proportion for long term ....I was not aware the return are uncontrollable...So why I'm focusing here...Now I got realised that the huge returns one can make by investing only on oneself (either investment over skills or business)... Thank you for teaching and insisting us in terms of financial literacy..😊🙏
This is your life time best moment of podcast which you will remember Many hints are there in between the lines Iam sure you your self will watch this repetitively
LLA is fantastic; I became engrossed in the discussions and learned a lot from this podcast. The best learning was that if I start late / pause and restart with more capital, it is completely fine (about SIP), and I relearned a few more concepts like 10%/job increment should reflect growth on current investment, which I believe I already learned from you guys from an old content of yours. I've been following you guys for years, and your growth as a channel is directly proportional to my financial knowledge growth. Thanks Team !! - a member of your jagruk janta.
One thing I have learn in my little 5year stock journey, is buying it on right time. You can only make money by buying it on right time and in a large quantity.
I heard this podcast nonstop after a tiring night shift, it really opened the doors regarding SIP and returns of maximum 12℅ diversified and not everything that I have heard about SIP ia gold.
1:18:04 Third takeaway: Listen to this if your salary is Rs 50,000 and you are still very young. Focus on salary Badhaing by investing in skills. You can make up for that loss of opportunity of early investment by having a 2-3x salary in 3 years
Mostly i loose interest in watching long videos but this one watched in one go. Its very interesting conversation and useful for taking financial decisions.
Hats off to the LLA Team (Mandeep Sir especially) And Deepak Sir, this Was an eye opener aur bahut deep understanding wali baatein aise hi bata di jo log webinar me paise lekar bhi nahi batate hain.....Pure motivation and this will definitely change the journey of my investment. Cheers to everyone. Hope you see some more great content like this. 🎉🎉🥰
Bro first time Mane 1 hours bina kisi brake ka apka conversation suna. excellent share of knowledge and thought. In a simple language Nice work by you and your team
This is true blockbuster episode. Believe me sir you are rocking, this concept of yours is brillient. Thankyou so much for such kind of knowledge transafer.
Best thing about you guys is that you are receptive, took advice in comment section from last episode and did not include memes in between in this video. Video was highly informative and best part was summary at the end.
I'm confused regarding the 30k camera example. 1k/30k = 3.33% which if taken as the monthly interest rate will annually be 3.33*12 = 40%. Taking 29k as principal makes it 41.37% which is approx 40% only. But the guest had said "agar 3 mahine ka maan len" which implies the 1k interest is for all the 3 installments combined over 3 months. In that case the annual interest should be 3.33*4 = 13.32% If anyone gains any clarity, please do explain.
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each. First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months. Calculating this, I'll be paying 5.26% over a span of 2 months(complete April and May) , which is about 31.5% per annum. But I can't deduce 40% idk how they did that
@@sagardeswal6465 Aap ki baat sahi hai. But agar me CC se pay krta hu there mere ko 1st April camera buy kiya ki first installment of 10k ki payment tho 1st May takk deni hoti hai na? as CC ka buffer payment 30 days tho milti hai na? Maine zada no cose EMI se pay tho mujhe zada nai pata.
This is simply awesome. No fancy big words but deep deep meaning in ev every sentence. Just loved it!! Great work Team LLA... Thanks for educating us, pls keep this momentum going. More power to you!
Wowwww, Never seen such level of podcast on YT till now. I love to listen the podcast but your podcast have different vide. Keep guiding us. Love from Bihar.🤝
If a poor man would have given this same knowledge to us then we would have ignored, but we have been listening to him just because he is capable and wealthy. Therefore, money is necessary!
Intro mast hai guys...Please keep coming up with such interesting openings.. And ofcourse..this podcast is a gem on its own. Superb and time we'll spent..sorry time we'll invested..
Can someone explain 23:50 how it is 40% interest? it is 3.4% but 1000 Rs he is paying in 3 month. How did interest become 40%. 3.4 x12 = 40.8% . But it should be 3.4 x 4 quarters = 13.6 percent right? Please tell me what I am missing here.
It's almost 40% only Just take it like 1000/3 = 333 1st month 333/10000=3.33% which will annually 3.33*12=40% 2nd month 333/10000=3.33% which will annually 3.33*11=36.63% 3rd month 333/10000=3.33% which will annually 3.33*10=33.33% Which is average 36%. He is right.
@@rajveereck didn't get this. Customer pays a total of 30K (10k , 3 months ). So on a 29K product he has paid 30K so extra is 1K, so increase is 1K/29K which is 3.4 %. Can you explain your thought process a bit in words. I think we are trying to justify what they said by making it annualized ...eod how much more you paid is what determines the interest rate... Or am I missing sth ?
@@7justfun 3.4% is monthly & 3.4%*12=40% is annual interest rates. Take it like on Rs 1000 FD of 1 year if u r getting annual 6% interest from bank.. than the monthly interest rate will be only 0.5%. Now u can compare monthly 0.5% to 3.4%.
A quick feedback: Overall, I enjoyed it but it wasn’t fulfilling. For one and a half hour video, I expected more information, more concise and tailored conversation but I genuinely appreciate the efforts and with time it’s going to get better. Kudos to your entire team. Keep it up. :)
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each. First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months. Calculating this, I'll be paying 5.26% over a span of 2 months(complete April and May) , which is about 31.5% per annum. But I can't deduce 40% idk how they did that. They definitely said 40. Three times, both of them
Amazing podcast, especially the amswer to the question " right approach to investing in carrier" question was fabulous. I wish every youngster can watch this and learn out of it.
Can somebody explain the maths behind that 40%? Rs.1000 is approx 3.5% of 29000. For 3 Months EMI, we can say 1.16% per month OR 14% annually. How did it become 40% ? He literally said “chalees percent”!
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each. First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months. Calculating this, I'll be paying 5.26% over a span of 2 months(complete April and May) , which is about 31.5% per annum. But I can't deduce 40% idk how they did that
Deepak Shenoy ji (guest lecturer) explained it in 1 of the comments. In short assume the first installment is paid on day 0 (day of purchase). So actual loan amount is 19k, not 29k. 2nd and 3rd installments are paid on day 30 and 60 respectively. So tenure is actually 2 months. Go to any decent EMI calculator or in Excel and the rate will come to 41.87% annual ~ about 3.49% per month.
@@Creator_Souvik per calculation yes it's 13.7% But may be they are calculating according to installments (10+10+10) You are not paying in the end of the last months. You are paying monthly but you are paying at the beginning of 3 months and not @ end. But calculating Formula is missing.
Download Cred 👇
app.cred.club/spQx/sfo4hmy3
Watch the JagrukTalks Season 2 : th-cam.com/play/PL9DpKzAHkdgrBlbX_4c23_BMaCcotV6WJ.html
Episode 3 Ft. Neil Borate (Deputy Editor | Live Mint), Anshul & Ajinkya (Co-Founders | WintWealth) : th-cam.com/video/F0s1-3DWmsY/w-d-xo.html
BRO THIS IS THE LINK OF YOUR MUSICAL STOCK MARKET VIDEO
th-cam.com/users/shortsMj7pU7yY95o?feature=share
Hi Mandeep, loved the podcast, and would definitely recommend you guys do these more often.
One thing that I couldn't understand or calculate properly was the camera loan problem.
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each.
First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months.
Calculating this, I'll be paying 5.26% over a span of 2 months, which is about 31.5% per annum.
How did you guys calculate 40?
Sir can you make a video on investment for students/freshers who are taking loan for education abroad mba to be specific?? Also how freshers can create multiple sources of income through stock and forex markets or others?? Reliable free sources??
Great session, thank you
Great interview Mandeep and Team. Please try to do one interview with Rajeev Thakkar of PPFAS Mutual Fund. Thankyou
Once you hit those kinds of numbers, it's not just about picking stocks anymore. You need a proper strategy-diversification, risk management, tax optimization, the whole deal. You’re playing with big money, and the stakes are higher as an advisor
I agree. Handling that amount is way beyond the 'set it and forget it' approach. There are so many moving parts. You need to look at long-term growth, liquidity for emergencies, and even estate planning if you’re thinking generational wealth
I’ve been managing a decent portfolio for a while now, but honestly, I don’t think I’d trust myself to go it alone once I get to that level. I mean, I don’t want to make a wrong move and lose years of hard work, you know?
That’s exactly it. The more your portfolio grows, the more complex it gets. I was in a similar position last year, thinking about how to handle larger investments. That’s when I got in touch with Joseph Nick Cahill-he’s a CFP, and the guy knows his stuff
I know of his great services.
He gives you this holistic plan-investment strategies, tax-saving options, estate planning. When you’re dealing with larger amounts, it’s not just about growing the money; it’s about protecting it too.
This video has so many valuable lessons! It is amazing! Keep up the good work.
Big fan sir
I like the intention of video . They are educating.But I won't appreciate how they are insulting someone's intellect.
@Abhi and Niyu
Congratulations for your recent achievement.
You guys are really awesome.
You both too are great✌
Blessed Be!
Hare Krishna🙏
Nice to see you here
LLA is the only monopoly in TH-cam for transfer true knowledge in the finances in India.
Tejas joshi bhi like :- boriya bistar bandh ke chalo re ijjat hi nahi hai
.
Ek dum sehi kaha Bhai
Thank you all, many follows influence with ads but LLA always loyal to subscribers.
Still you should have your own research
@@superherobandaa3496 nice suggestion, thank you bhai
The sincerity in this video is demonstrated by the talkers advising against Credit cards for common people in a video sponsored by a company which depends on Credit card usage.
I am 15 years old girl and I am learning a lot from your video, and It gives me so much knowledge about finance that will help me alot in the future when I will start earning. thanks for making India financially educated 😊😊
Keep going... 😊
Hey do u have any goals??? Or i would say what do u want to do in your life..... Plz share with all of us..
That's awesome sister you are too ahead of your time keep hustling
Thats all good BUT i belive one should hone skills and stream of income before they come into markets and investments.dont be too distracted by investment Focus on studies and ur goals GOOD LUCK👍
Don't get scammed in applications just search before investing please. One and only request cause when you grow up you will think of money making ways and scammers will be there preying on people like you 👍
Yes my Dad started his job from 300 rupees per month and when he retired last year his monthy salary was nearly 2 lac per month so you don't know where will you end up as his 1st saving scheme was of LIC in 1995 which they were giving 1.5 lakhs at the end of 20 years maturity at that time his income was 1500per month so at that time 1.5 lakhs looks very big amount but when finally he got that amount it was less the his monthy salary so predicting future from current standpoint is very difficult you cannot say how much you need or how much you will make.
Lucky u r damn Lucky becoz apka dad kuch bachaya. Mera dad ne pete markar kamane keliye bolraha
@@prembhukya5785 mra dad ne pf /loan/ 3rd party le k daru pi liya 💀
"Educate people - All small steps help" - this is the best line out of the video.
Deepak sir voice has a special calming effect. Listening him for more than a year on his podcast on Amazon. Very good episode..
The knowledge in this video is at another level huge respect to both of you and all Labour Law team
Couldn't agree more ✅
Love the line where Deepak sir says "People underestimate/don't know the power of luck" .. so true
Lessons:-
1. Try to make retirement plan as monthly or annual as possible, coz when we receive lumpsum money, we tend to incur expenses superflously, which might make us pauper early and drain our retirement funds
2. 5 crs is enough money for retirement for limited needs.
3. We should buy and sell MFs after one year for LTCG, and save taxes. Do not believe that for MF, we have to invest for long term for more compounding. Coz we are just buying and selling, that does not impact our compounding.
4. 43:46 to 45:16 very interesting theory
5. Managing emotions during extremes like markets very low or very high, and taking actions at those times is what produces great returns. Ordinary returns to kya koi bhi kama lega.
6. End lessons are very important, end 4 minutes of video.
Very nice your conclusion . ❤️
Grt 💥
Woh camera wala example, no cost emi ka 40% kaise hota hai can u please explain
I also want to know this @@prathameshchavan2812
Best guest till now. I admire Deepak a lot as he is from my university and I met him also in person last year. A true gem 💎
Just the opening intro of this podcast was enough to give goosebumps and let me feel I am very illiterate in finance. LLA rocks. 🔥
Saw it Twice.. Valuable information. Good Job LLA. 🤗🤗🤗🤗👏👏👏👏
Financial Education needs to be taught at School level. Importance of Investing Early years, Power of Compounding these are the things becomes more effective if taught Early ages. Need to make these Mandatory Practical lessons. India will Prosper much early and people will achieve Financial Freedom much sooner than they think.
#A_Proud_Indian 🙏🙏
First time I saw a video about financial literacy without skipping a single second. Thanks for bringing in such a valuable content. Keep up the good work!!
Watched a glimpse of this in shorts and I’m hooked. This is the power of quality content
I love this conversation. Very deep, mature, honest and practical. Thanks
बिहार के छोटे से गांव में आपका वीडियो लोग देखते है तो देखकर बहुत अच्छा लगता है।
Huge respect for you 🙏
This podcast blown my mind ...I was used to feel lucky that I have a salary and I could invest the same proportion for long term ....I was not aware the return are uncontrollable...So why I'm focusing here...Now I got realised that the huge returns one can make by investing only on oneself (either investment over skills or business)...
Thank you for teaching and insisting us in terms of financial literacy..😊🙏
"Manufacture your LUCK and understand power of LUCK " incredible knowledge, such genuine learning are priceless
Amazing podcast. Such a humble, honest and transparent person deepak sir . Enjoyed each word of this conversation . Thank you lla and mandeep.
Aaj tak yesa single video nahi dekha jisme itna sab kuchh Janane ko mila ho.
Thanks a lot
Without even watching it, I'm first liking the video. That's the level of trust i have invested in Team LLA ❤️ let's watch the video now
Same here🍃
Bhai 24:00 minutes pe 40% walla mathematics samjhaw na pls.
Same 😊🤝 here
The best thing about this podcast is the way you are putting and explaining your questions. That makes it so easy to talk
Best video of LLA so far.... felling blessed to witness such a great podcast. Geeta ka saar yahi he#LIFE
This is your life time best moment of podcast which you will remember
Many hints are there in between the lines
Iam sure you your self will watch this repetitively
Really loved this podcast🔥❤️
Bhai sunglasses to laga lo DP mein 😎
Talks about SIP 👉🏻 37:40
Best Line 🙂
"In your early days focus on earning more in the field that you work"
LLA is fantastic; I became engrossed in the discussions and learned a lot from this podcast. The best learning was that if I start late / pause and restart with more capital, it is completely fine (about SIP), and I relearned a few more concepts like 10%/job increment should reflect growth on current investment, which I believe I already learned from you guys from an old content of yours. I've been following you guys for years, and your growth as a channel is directly proportional to my financial knowledge growth.
Thanks Team !!
- a member of your jagruk janta.
One of the most balanced discussion I've seen in recent days.
Practical and precise
My two favourite financial gurus in one video!!. It needs to be watched on priority
Toh kya sikha ye video dekh ke ?
One thing I have learn in my little 5year stock journey, is buying it on right time. You can only make money by buying it on right time and in a large quantity.
Today i learned which i did not expected from this video, Thank u so much LLA for putting soo much Valuable Knowledge in jagruk Janta Mind !
It's wonderful that financial advisors are talking about artists and music and making the video holistic and valuable in totality 👍🏼👍🏼
What a lovely balanced conversation! I first listened to Deepak on The seen and the unseen podcast
I heard this podcast nonstop after a tiring night shift, it really opened the doors regarding SIP and returns of maximum 12℅ diversified and not everything that I have heard about SIP ia gold.
Thanks alot LLA team,Mandeep bro nd Deepak sir for this knowledgeable topic 😀.
Trust me this video taught me a lot.
Opportunity knocks only once you don’t know which door 🚪 it knocks…
So try to create more doors 🚪 ❤❤❤❤
Amazing learning ❤
Thanks 🙏 for introducing Mr Deepak a 💎 Gem 💎 of a person and genius with great deal of simplicity. Loved your program of high quality 👌👍❤❤❤❤❤❤❤❤❤❤❤
1:18:04 Third takeaway: Listen to this if your salary is Rs 50,000 and you are still very young. Focus on salary Badhaing by investing in skills. You can make up for that loss of opportunity of early investment by having a 2-3x salary in 3 years
Mostly i loose interest in watching long videos but this one watched in one go. Its very interesting conversation and useful for taking financial decisions.
Hats off to the LLA Team (Mandeep Sir especially) And Deepak Sir, this Was an eye opener aur bahut deep understanding wali baatein aise hi bata di jo log webinar me paise lekar bhi nahi batate hain.....Pure motivation and this will definitely change the journey of my investment.
Cheers to everyone. Hope you see some more great content like this. 🎉🎉🥰
One of the best talks I've watched. Thank you Labour Law Advisor's entire team. I vow to improve the quality of content that I'm. watching.
Loved the conversation. Thank you LLA for bringing this gold content to us. ❤
Bro first time Mane 1 hours bina kisi brake ka apka conversation suna. excellent share of knowledge and thought. In a simple language
Nice work by you and your team
this channel is gold💙 can't thank you guys enough for the information you provide in every video
This guy is amazing he is demarketing his own field and giving genuinely opinion.
Blessed Be!
Hare Krishna🙏
The amount of knowledge we are getting is extremely helpful, thank you for this🙏💐🔥
Completely true. Whether we like it or not, luck does matter in life.
This is true blockbuster episode. Believe me sir you are rocking, this concept of yours is brillient.
Thankyou so much for such kind of knowledge transafer.
What a quality of questions , brilliant answers . Mandeep you have set a new standard
Thanks LLA, really appreciate you guys doing all this and giving us this much value.
Comment krne ka option ni mil rha tha..dhoond ke comment kr rha hu.
Very well done 👏👏👏
Very useful video...
Sharing with Friends 👍👍
Changed my perspective on the savings and investing. Need more such videos for awareness.
Best thing about you guys is that you are receptive, took advice in comment section from last episode and did not include memes in between in this video.
Video was highly informative and best part was summary at the end.
I'm confused regarding the 30k camera example.
1k/30k = 3.33% which if taken as the monthly interest rate will annually be 3.33*12 = 40%.
Taking 29k as principal makes it 41.37% which is approx 40% only.
But the guest had said "agar 3 mahine ka maan len" which implies the 1k interest is for all the 3 installments combined over 3 months. In that case the annual interest should be 3.33*4 = 13.32%
If anyone gains any clarity, please do explain.
Exactly. I am stuck at the same point. 40% nai hai, 1k per 3 months = 4k per 12 months = 4/29*100 = 13.8% per annum.
Same doubt
Yes same doubt i have
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each.
First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months.
Calculating this, I'll be paying 5.26% over a span of 2 months(complete April and May) , which is about 31.5% per annum.
But I can't deduce 40% idk how they did that
@@sagardeswal6465 Aap ki baat sahi hai. But agar me CC se pay krta hu there mere ko 1st April camera buy kiya ki first installment of 10k ki payment tho 1st May takk deni hoti hai na? as CC ka buffer payment 30 days tho milti hai na?
Maine zada no cose EMI se pay tho mujhe zada nai pata.
Most insightful podcast on entire TH-cam that i have ever consumed.
This is a kind of talk that you will probably find no where else on the net👍
आप बहुत महान काम कर रहे हैं जिससे हम लोग हमेशा unaware रहे
Loved the conversation. Kudos to LLA ♥️
best part of this podcast is the last one when he gave conclusion of the whole podcast...that shows how LLA is good in imparting knowledge
Bhai bhai bhai... Maza aa gaya
Loved this candid conversation ! Became a fan of Deepak sir, he is such a great human being, and as always, love you LLA !!
Very insightful discussion about matters of money. Thank you for presenting this. 😊👍🏼
This is simply awesome. No fancy big words but deep deep meaning in ev every sentence. Just loved it!!
Great work Team LLA... Thanks for educating us, pls keep this momentum going. More power to you!
Knowledge Lene Me V ek alag hi maja he...! Huge Respect To You both ❤️🙏
Please add this podcast on spotify❤
Wowwww, Never seen such level of podcast on YT till now. I love to listen the podcast but your podcast have different vide. Keep guiding us. Love from Bihar.🤝
Thanks for creating this at the right time 🙂
So much thank you!
This Person is so down to earth and such a good listener 💖
If a poor man would have given this same knowledge to us then we would have ignored, but we have been listening to him just because he is capable and wealthy.
Therefore, money is necessary!
true
Yes probably because he wouldn't stay poor if he had that knowledge
Great to see you listened to our comments and didn't add unnecessary memes.
Intro mast hai guys...Please keep coming up with such interesting openings..
And ofcourse..this podcast is a gem on its own. Superb and time we'll spent..sorry time we'll invested..
Even the anchor is so much gyani 😊
What a show👏👏👏
Hats off
Littt AF, what an amazing Podcast. Thank you #LLA, #Capitalmind and #Cred
Bhut he mast session tha bro...aise session aur chahiye
Amazing podcast.....An eye opener at few points....Thank you Team LLA!!!
A bhandar of Knowledge and philosophy , truly masterpiece.
Can someone explain 23:50 how it is 40% interest? it is 3.4% but 1000 Rs he is paying in 3 month. How did interest become 40%. 3.4 x12 = 40.8% . But it should be 3.4 x 4 quarters = 13.6 percent right? Please tell me what I am missing here.
Same here, kept me awake putting all the formula to get 40% but didn't get it. Confused
Slip of the tongue maybe....
14% hi shayad bolnevala tha vo
It's almost 40% only
Just take it like 1000/3 = 333
1st month 333/10000=3.33% which will annually 3.33*12=40%
2nd month 333/10000=3.33% which will annually 3.33*11=36.63%
3rd month 333/10000=3.33% which will annually 3.33*10=33.33%
Which is average 36%.
He is right.
@@rajveereck didn't get this. Customer pays a total of 30K (10k , 3 months ). So on a 29K product he has paid 30K so extra is 1K, so increase is 1K/29K which is 3.4 %. Can you explain your thought process a bit in words. I think we are trying to justify what they said by making it annualized ...eod how much more you paid is what determines the interest rate... Or am I missing sth ?
@@7justfun 3.4% is monthly & 3.4%*12=40% is annual interest rates.
Take it like on Rs 1000 FD of 1 year if u r getting annual 6% interest from bank.. than the monthly interest rate will be only 0.5%.
Now u can compare monthly 0.5% to 3.4%.
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A quick feedback:
Overall, I enjoyed it but it wasn’t fulfilling. For one and a half hour video, I expected more information, more concise and tailored conversation but I genuinely appreciate the efforts and with time it’s going to get better. Kudos to your entire team. Keep it up. :)
Felt the same!
very clear conversation sir. love u both. Dimag ka dhakkan khul gaya
Bhai camera wale example Mai bhi 40 nahi 12 % kama raha hai because, ₹29000 ka ₹30000 mila that mean ₹1000 profit in 3 month so 12 month ka 12% hua.
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each.
First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months.
Calculating this, I'll be paying 5.26% over a span of 2 months(complete April and May) , which is about 31.5% per annum.
But I can't deduce 40% idk how they did that. They definitely said 40. Three times, both of them
Amazing podcast, especially the amswer to the question " right approach to investing in carrier" question was fabulous. I wish every youngster can watch this and learn out of it.
Can someone explain how it is 40% when they are discussing camera cost 30000
I dont think its 40%
Its 20-21%
Dear LLA thank you for making such kind of content.... It is eyes opening
Can someone explain me that camera thing. How did that interest became 40%?
same doubt.. can someone explain ?????
Loved this session and I must say Deepak's way of putting things was awesome. Thanks for the session. 👍
Can somebody explain the maths behind that 40%?
Rs.1000 is approx 3.5% of 29000. For 3 Months EMI, we can say 1.16% per month OR 14% annually.
How did it become 40% ? He literally said “chalees percent”!
14 hi kaha hoga... Mujhe bhi 40 laga..sunney mein
Thank you! I have been breaking my head over this for half an hour.
Suppose I get a camera that costs 29k on 1st April, and I need to pay for it in 3 instalments of 10k each.
First instalment will be paid then and there, second one on 1st May, and third one one 1st june, so basically they've loaned me Rs 19k for 1000 rupees for about 2 months.
Calculating this, I'll be paying 5.26% over a span of 2 months(complete April and May) , which is about 31.5% per annum.
But I can't deduce 40% idk how they did that
@@ziasmailbox nahi 14% koi bhot bada interest rate nahi hai, 14 nahi 40 hi bola hai. 3 baar
Deepak Shenoy ji (guest lecturer) explained it in 1 of the comments. In short assume the first installment is paid on day 0 (day of purchase). So actual loan amount is 19k, not 29k. 2nd and 3rd installments are paid on day 30 and 60 respectively.
So tenure is actually 2 months.
Go to any decent EMI calculator or in Excel and the rate will come to 41.87% annual ~ about 3.49% per month.
The last part every learnings told in 3 points, coool 💯
Who has watched the full video
This is one of the most underrated TH-cam channel !!
I just ❤️ how Mandeep calculate 40% , difference between 29k & 30k in so quick. But calculation says that it's 14% 😁
Could you please explain me how u calculated 40% of 29k & 30K?
@@laramaxal4345 as per my calculation it's around 14 %
@@Creator_Souvik per calculation yes it's 13.7%
But may be they are calculating according to installments (10+10+10)
You are not paying in the end of the last months.
You are paying monthly but you are paying at the beginning of 3 months and not @ end.
But calculating Formula is missing.
@@laramaxal4345 That way also it's 20.5%
Me too confused how its 40% as per my calculation its 13.6%
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48:40 changed my whole point of stocks and investing
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So much positivity and genuineness. Great time