No Parking, Micro-finance And Guest Writers!

A lot has been happening. The last few days have been very busy, but at the same time have been loads of fun too. I have always enjoyed doing new things and I feel one of the best ways to stay happy is to keep yourself busy and occupied doing things you love. I will try to share some of the things that happened over the week.

My car got towed a few days ago and I ended up paying a fine. I had made the mistake of parking it in a “No Parking Zone” just because several others had parked their cars in the same area. I had tried to find comfort in simply following the herd and doing what they did. All our cars got towed. Sometimes I should apply the same principles I use for investing, even when it comes to parking my car. Investing is a lot like life, and life is a lot like investing.

It is really interesting how much we can learn from our own life, if we just look closer and observe what all is happening around us.

Another interesting thing that happened was Chirag Khilosia, a fellow Happionaire, shared details about a very interesting website called www.kiva.org which helps entrepreneurs with micro-finance. I checked out their website and their projects did seem interesting. However, I was unable to find any project which helps small entrepreneurs in India on Kiva.org. What do you’ll think? Is this a good model to help small entrepreneurs in India? Should somebody be starting something like this? We do have micro-finance organisations in India, but nothing of this sort which uses the internet to raise and disperse funds.

I have also decided to let more Happionaires be heard, and from now on I am inviting guest writers for The Happionaire Blog who can share their ideas and thoughts with others. There aren’t any guidelines; however the posts should be related to all other Happionaires here. If you have something to share with other Happionaires just send me an e-mail at yogeshchabria@happionaire.com and if we think it is interesting we shall put it up on our blog.

Several times people ask me if I trade with a small part of my capital. I just had somebody asking me that yesterday. Personally I don’t trade as I don’t understand it well, but I have allocated around 10%-15% of my capital for trading. I have somebody who understands technicals well trade for me. I feel very few people can manage to trade and invest successfully at the same time, as the mindset is very different. Rakesh Jhunjhunwala is one of the few rare examples who trades as well as invests. I shall share more on this later.

Have a great week ahead and continue spreading the love, peace and happiness!

Yogesh Chabria

Happionaire

Did you make somebody smile?

Make Somebody Smile!

I have tried replying to as many e-mails as I can in the past few days, and it has been lovely reading what all of you had to say. I did not know that so many people would be so passionate about investing. Last I heard our book had moved up to number four on the bestseller list. It was very sweet of a fellow Happionaire to send me a picture of the bestseller list with ITHW on it. (The picture has been shared on the top with all of you and also on our newly updated website.)

God truly is great and if we truly believe in him and submit ourselves to him, he surely does take care of us.

Today I won’t write about investing or finance. As all of you know, I have always believed that there is more to life than just investing, money and finance. There is no life without love, laughter, fun, smiles, family, friends, nature, trees, children, music, food…..and so much more.

Today I met somebody my grandmother’s age and she told me something very sweet. She told me that people worry unnecessarily. They say things like “Oh my God I have made losses in business.” and “Oh my God my career is not successful.”

In spite of saying “Oh my God.” they forget about God and that he has everything planned for us and there is no need for us to be depressed and unhappy. He will make sure that things are all right and some way or the other we overcome our challenges. We need to simply believe and trust him and work towards what we believe in.

We should enjoy every moment of our life and simply do our duties and not worry too much. Profit and loss, success and failure, laughter and tears are all a part of life and we need to make the most of every moment.

Today I would want you to do something very very simple. I want you to just make at least one person smile and see how nice it feels. Do try it and share your experience with us here. Who all did you make smile? How did you make them smile? How did it feel?

Sharing nice things is always fun and it will make us smile!

Best of luck!

Yogesh Chabria

© Happionaire

Read What Fellow Happionaires Had To Say About ITHW Being On The Bestseller List And Feel Free To Speak Your Mind Out!

Update: ITHW Has Moved Up To Number Two!

Invest The Happionaire Way Is A Bestseller!

My publishers just called and told me that Invest The Happionaire Way is on the latest Crossword bestseller list. Our book is amongst the top ten three books sold in India. (ITHW is at number seven four two.)

This is great news and all of you are responsible for the success of ITHW. It is very heartening to know that so many of you are eager to learn more, invest wisely and create wealth. I thank you for your support and also for spreading the love, smiles, happiness and knowledge. This Happionaire Way will help millions of more people to take control of their finances and create wealth by investing wisely with the power of knowledge.

The Happionaire Way has been spreading very fast, however we still have a lot to do. We haven’t even done 1% of what all is yet to be done. We have very big and ambitious dreams and I know we will turn them into reality soon. I believe that nothing is impossible if we truly believe in what we want to do. Every possible force is going to be on our side if what we want is good.

I want all of you to dream and believe in your dreams, because if you won’t believe in them who will? It is really amazing what belief can do and I speak from personal experience. If someone who always got scoldings from his English teachers for not using the language as per the rulebook can be a bestselling author, why should anything else be impossible? Never let others tell you what is possible and what isn’t and listen to you own heart.

Keep smiling and happy wealth creation!

Yogesh Chabria

© Happionaire

Don’t Let The Markets Control You

A few months ago, several retail investors had entered panic mode as the markets were correcting very sharply. I remember how certain people further fuelled the panic by making comments of absolute doom. Now once again markets have bounced back up since then, and we have people making comments of absolute bliss. At that time I suggested people not to sell in a panic and study the fundamentals of the companies they had invested in.

Now I am telling people to not simply be carried away by hype and not to invest blindly. Irrespective of where the market is, our job as an investor is to study the fundamentals of the business we are investing into. We can’t really predict where the market is going to be. Some businesses are less affected by global financial crisis, while others are more affected by it. A bank which is involved with the West when it comes to certain credit instruments might be more affected than say a company selling milk products and daily consumer goods to retail consumers in India.

Nothing could be worse than following ideas and myths about absolute doom and absolute bliss. The world is going to face some channelling times, due to what has happened in the West, however it is not permanent. I feel over time we will come to know the insides of the problem.

However most businesses which are India based and are focused on the Indian consumption and growth story will surely reward investors in the long run. India according to me is still at a point where say a country like China was during the 1980s or say Japan was during the 1950s and 1960s. Of course we have a lot of differences and it wouldn’t be fair to compare India to any other country. But what I am trying to say is that still growth has not saturated and there is a long way to go.

Sometimes stock markets will portray this and at other times stock markets will discount this. Let us say tomorrow the stock markets correct, does that mean the country stops growing? Similarly let us say because of stock manipulations or aggressive buying the Sensex goes to 40,000 in the next one year, does that mean the economy too is growing that fast?

In the long run lot of money is going to come to India. I have been interacting with a lot of big investors in the Middle East, who seem to get richer and richer by the day due to their oil wealth. We can all see oil prices rising. This means more money coming into the Middle East. Many of them want to invest in India now. They aren’t too happy with the West and feel it is much better to get into India now as compared to China.

I know there is a lot of money that is waiting to come into India, however there is also the risk of some money going out in the short term due to problems in the West. As investors we can either worry about such things, or simply mind our own business and look at the businesses we have invested in.

In case you are a market watcher. Do remember that it makes more sense to not bother too much about each bit of news as compared to constantly scrambling and running behind information which might not be needed. If you remember the Sensex was 100 on 1^st April 1979. Today we are around 17,000 on 29^th April 2008. Not too bad, is it? Imagine what all happened over this time. We had scams, economic problems, the License Raj and all sorts of challenges, still things are really that bad now, are they?

No wonder fools like me who continue thinking for the long term and believing in the India story do end up much more than what they started out with. I thank God that I was lucky enough to be born in India and have the opportunity to make the most of the economic growth as well as the economic challenges present in our country. Never let the market control you, rather be the one who is in control of yourself.

We need to spread this way of thinking and mindset to millions of more people. It will happen.

Keep smiling and happy wealth creation!

Yogesh Chabria

© Happionaire

Our last post had Vivek asking for alternative payment methods besides Paypal for our reports. Feel free to drop me an e-mail on yogeshchabria@happionaire.com in case you don’t have a credit card and want access to the reports. And also do share your views with fellow Happionaires on what you think about Keeping Your Investments Healthy!

Keep Your Investments Healthy!

The companies shared earlier all had their stock prices spurt up by more than 20-25% within a matter of weeks, however this just happened due to market conditions. It isn't necessary that this happens every time, especially since we are investing only on the basis of fundamentals and value and not technicals or trends. Also please do not regret anything. Yes, the markets have run up again, but that doesn't mean there will be no new opportunities. It doesn't means that they can't correct again. Irrespective of where the markets are you need to look at the fundamentals of your company.

All of you might by now be knowing about my philosophy of looking at goods services we use in our daily lives as potential investments. Lately I have started investing in one such company. This company is behind a product that is a market leader in a segment which is still very small, but extremely fast growing.

It always makes sense investing in market leaders in sectors which are just about to grow exponentially. Because usually such companies are available at cheaper valuations and when the sector does grow, their valuations rise quite aggressively. This company is a high growth small-cap that has rapidly growing sales as well as growing profits. Sales for instance have grown more than 500% in the past five years.

The company was taken over by a big corporate group around two years ago at a price more than 50% of today's price. Even though in the past two years business as well as profits have grown, the stock price is still 50% away from what the price was when it was taken over. Markets are not perfect or rational and that is what provides us with opportunities.

Just like all our other reports, I like sharing what made me invest in this company and how I discovered it. I'm sure based on it, you too can learn how to select companies better. Most of my investments have been based on my experiences in daily life, and this one is similar too. Please remember that my reports are very simple and personal and are meant to help you learn more. Please do not just invest and be happy with the returns you make. Instead spend time and learn as much as you can from everything. I too am constantly learning as I feel we never know enough.

You can find out more about it and learn how I selected this company by downloading this report here. You would be directed to a Paypal page where you can pay securely via credit card/Paypal and once the payment has been received you will be able to download the report online.

Happy Wealth Creation!

Yogesh Chabria

© Happionaire

I Want Everybody To Become Richer!

I love it when people around me are becoming richer. It makes me very happy. The other day I got an e-mail from somebody who had invested in an iron ore company I had shared around two years ago. He told me how he had made around 250% on that investment and was now planning to exit the investment and buy his own house.

One of the best lessons investing has taught me is that the richer people around me become, the better it is for me. I like it on every level. As an investor it is great for me, because more wealth all around me automatically means more demand for investments and thus it leads to asset appreciation in the long term. The richer people are, the better it is for me as a business person. People will be willing to spend more, if they make more. It is good for the overall economy as more spending leads to more employment, education, training, health care, etc.

In fact the best way to eradicate poverty is to make everybody richer.

The richer people become around us, the happier we should be. Wealth is unlimited and if your neighbour is making more money, you should be very happy. One of the secrets to wealth creation is that more wealth is created when ideas as well as opportunities are shared.

Unfortunately a few people feel jealous and upset when people make more money around them. They try interfering and stopping others from creating wealth and in the process not only do they try limiting the others growth, but end up limiting their own opportunities to create wealth. They think wealth is limited and if somebody else gets it, they will lose the chance of having it. Wealth is not like a job or a rank in a school where only a select few can have it. Wealth is unlimited and every new idea or opportunity ends up creating lot of wealth. Everybody can be wealthy if they believe that wealth is unlimited and work towards it over a period of time.

If your friend or neighbour becomes the next Mukesh Ambani, Ratan Tata, Bill Gates, Rakesh Jhunjhunwala or Warren Buffett, it is great for you. For example you can easily start a business which will supply a particular service to them. You can use their help and assistance to grow your business or area of expertise. So many multi-millionaires have created wealth, simply because their friends and family ended up creating millions. I know somebody who started supplying electric fixtures to one of India’s largest builders since they were relatives. Today he is a multi-millionaire. Wealth creation also has a lot to do with relationships and friendships.

If you want to be wealthy, you need to be happy whenever you see people creating more wealth around you and try to find out how you can be a part of the opportunity which is letting those people create wealth.

Many of you have sent me very warm and touching e-mails after reading Invest The Happionaire™ Way and my inbox is constantly being flooded by more and more e-mails from Happionaires from all across the world. I am glad that it has helped you understand the world of investing better and has helped many of you to get started. You can read a lovely review of ITHW by Prabhu of Desistartups on Trak.in here- Invest in Indian stock Markets the Happionaire Way!

I have sent several copies now personally by courier to fellow Happionaires living outside India. Many of you have suggested that we should come out with an e-copy, the way we have our reports. I will surely look at it in the future.

A lot is happening on our end. We now have a new e-mail id – info@happionaire.com for all business related queries, such as getting a new demat account opened as well as hand-holding and assistance with your investments. It is nice to see the Happionaire family growing so fast and even nicer to see people creating wealth. We want millions of others to be a part of this wonderful opportunity to create wealth and live life with a smile. I know we will be able to do it.

Happy wealth creation and have fun!

Yogesh Chabria

© Happionaire

The Smallest Things Have The Largest Impact!

I have always felt that the smallest things have the largest impact on our lives. This might sound a bit confusing to a few, but I’m sure when you look at your own life you will very well understand what I mean.

In my life some of the best things have happened due to very small incidences which were absolutely unplanned. I never knew or expected such things to happen, but they just happened. I’m sure many of you might have heard successful people saying things like “It just happened.”

Of course it is important to work towards our goals and have dreams, but many times in the process of our daily life certain small things end up changing our life forever. My getting started in the stock markets several years ago was co-incidental and not planned.

In fact a few of my investments which have done lots of good to my portfolio have also been a result of meeting people without any particular plan. I have always believed in destiny and believed that everything will be good because everything is written from before.

Sometimes I feel people try too hard to make things bad even when they are meant to be good. Have you noticed how some people always spread negativity and think everything is doomed? I have always felt that what we think is what eventually happens. If we want good to happen to us we need to think good, not just about ourselves but about everybody else.

The other day I was speaking to the taxi driver, and he shared something so nice which I have always believed in. He told me that we get whatever we give. People who spoke to him nicely with love got the same respect and love back from him. People who spoke rudely and with arrogance got the same hate and abusive language back.

Even as an investor first you need to put out some money in the form of an investment to get more money back. Till you don’t give you won’t get anything even in life. It is a very simple concept which applies to everything.

When we do good and believe in good, the entire universe plots to make good happen to us. The smallest things can have the large impact, because we believe in good. Look at our world and you will see that people have risen to success from the most unlikely of situations.

Rajnikanth who is a huge superstar today was a bus conductor, Akshay Kumar was a waiter and Shahrukh Khan had slept on the streets of Bombay. There are millions of such true stories. It is all about believing that good can and will happen if we truly want it to.

Some of my business as well as investment decisions have been results of simple stories I have heard and read about successful people like Richard Branson and Dhirubhai Ambani. I have met some wonderful people and made extremely close friends simply by speaking to people in the most of unknown and unplanned of situations. I am sure for many of you such things might have happened too.

Our thoughts and the words we use are results of small and simple happenings in our life. Every empire starts out with a small step. History is proof of this. If all of us realized this and had some patience and belief our life will be much happier.

Happy wealth creation and living!

Yogesh Chabria

© Happionaire

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