Know The Truth

I recently met an investment banker who was telling me how he felt Gold would crash and didn't agree with my optimistic views on Gold. He quoted Mr. Warren Buffett and told me how he never believed in investing in Gold as it was a non-productive asset. People simply bought it and kept it in the locker, in hopes that prices went up. I have great respect for everybody, specially people like Mr. Buffett who inspire millions to be wealthy investors.

However, being inspired doesn't mean following anybody blindly. You can't create wealth if you blindly follow others, in fact you need to believe in yourself and create your own path. Gold might not be a productive asset on its own, but tell me is a Rs. 1000 note a productive asset on its own? It is a store of value and can be exchanged for a productive asset. Gold is just like that Rs. 1000 note and is a store of value.

This investment banker friend of mine went on to say, how the IMF would be selling Gold and how prices will head downwards. I don't like to argue with people who have made up their mind and are closed to new ideas. There isn't any sense in winning arguments, as investing isn't about personal ego and proving who is right and who is wrong. At the end of the day, the person who creates wealth is right. Time is the best judge.

My advice to all fellow Happionaires is to follow this principle when it comes to investing and never give advice to those people who don't respect your advise. Why waste our time giving knowledge to those who don't respect Saraswati? We all know what happened to those who didn't follow our ways in the past, they lost out valuable opportunities. The same thing is once again going to happen with those who don't look at Gold today.

Large insider investors love playing games with the masses. They control their psychology and minds and make them feel helpless. By now all fellow Happionaires here would already know about these games. First they spread wrong information about how prices are going to crash; they might even sell an asset in small quantities to actually make prices fall a bit.

The masses panic and rush to sell, pushing prices down even further. The insider investors start buying while the masses sell in a panic. Only to realize that after a few months prices of the same asset double. I have seen this game being played over and over again.

Gold is seeing the same game being played. The information I have on gold makes me extremely confident on it. I wouldn't be able to share everything on it here, as one would need to understand the history of Gold and the true reserves of it on our planet. But besides me there is a small minority who already know this, and anyone having such information will certainly want to own gold.

The real world teaches us much more than sitting on a laptop. I will give all of you a small task to find out the real situation of gold. Find out what is the price of a 20 gram gold coin from your local banker or jeweller. Compare that to the price of gold being quoted on the gold ETF or in the mass media. Is there a major difference? Now just to see how rare supply of gold is, just try finding out if larger quantities of gold are available. For instance try finding out if you can buy 100 kilograms of gold and at what price you will get it. You might not wanting to buy that much gold, however you will get an actual idea about how much supply is there and if people are willing to sell.

The real world will always tell you the truth. Do you agree? Share your views in the comments section.

Keep smiling and never stop learning!

Yogesh Chabria

Happionaire

Happionaire Education and Training Is Here. Find Out Which Programs Suit You The Best.

See What Fellow Happionaires Had To Say On The Golden Opportunity To Create Wealth

Golden Opportunity To Create Wealth!

I know markets have risen rapidly and there might be a few people who might be looking at stocks that have risen by 100%-200% and feeling that they have missed opportunities. I can understand how easy it must be to feel that way and even curse yourself for not having taken action. But please don’t feel that way and use it as an experience to learn. Never regret anything in life and instead look for new opportunities. The returns investors make today are the results of challenging times they have faced in the past. The best investors in the world have created immense wealth only after being through such phases. It isn’t like instant coffee or soup, but more like a journey where we keep learning. 

Markets and life always give new opportunities – only thing we need to do is learn from our past. If you have made over 100%-150%, it will be a good time to book trading profits. As markets rise rapidly a smart investor sells – and as they fall we buy. However, even though general markets may rise or fall, as investors we need to look at specific stocks, companies or assets. Once sizeable returns have been made in one asset so quickly, it is time to book profits and look for new opportunities. 

As mentioned in the past one asset that is going to make investors smile is Gold and there are several reasons to it. I will share more on the reasons in the future. Gold is something that is much more difficult to analyze and understand as compared to a simple company with financial statements. To understand Gold you need to understand history, politics, currencies, the economy, government politics, mining supply and how big insiders work. 

In the coming week, I will be buying more of it. For someone conservative having 20-25% of there cash in gold would be ideal, while someone more aggressive can even look at 30-40% of there cash moving towards gold. If you are someone who has most of your assets in USD, I would suggest moving even higher percentages into gold. 

I once again repeat gold can easily double or move up even further depending on how things turn out in the coming months. I know as usual there will be sceptics. Do you remember how most people reacted a couple of months ago when we told them about investing in value? Today those very same people are running after stocks which we had bought and now are selling to them at prices over 100%-150%. Investing isn’t a game about ego and proving who is right and who is wrong. We are all here to create wealth and there is nothing wrong in being wrong.  

Besides Gold there are still several companies that are available at very good valuations. There are still companies available that have more Cash than the entire stock price. I had shared such a company in the past. I hope all of you used that knowledge and found more such companies. It isn’t enough that you simply invest in such a company and are rewarded 80%-100%, what you need to do is learn and find such companies on your own. What is the use if you don’t learn and simply follow blindly? Nobody is God and nobody should be followed blindly. I don’t want anyone to follow what I say blindly. 

Knowledge is real wealth that will always remain with you. Unfortunately when it comes to investing, still very few people realize that. In any other field whether someone is a surgeon or computer engineer, people first invest a couple of years learning and practising. In the beginning when someone is studying to be a surgeon their only focus is to learn how to be a good surgeon – only after they have finished investing time and money in learning and interning, do they think of fees and how much they will charge. 

I am sharing another such company that is a pure value buy based on the fact that the assets are available much cheaper than the market price even now when markets have rallied. I just want you to see that no matter where markets go, we can always try and find value and opportunities. I don’t want you to look at it just as something that will go up 50%-80%, but as something that will increase your financial knowledge. 

We once again have a Golden opportunity to create wealth. Will you seize it or miss it?

You can find out more about 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. If you don't have a credit card you can e-mail info@happionaire.com to find out how you can access the report.

Happy Wealth Creation!

Yogesh Chabria

Happionaire

Golden Opportunity To Create Wealth - Read All Comments and Share Your Views

Read What Other Happionaires Have To Say About The Crash Not Being Over and Why It Is A Good Thing.

The Crash Is Not Yet Over – And That’s A Good Thing!

I am an eternal optimist. Life is so much more fun and fulfilling when one is positive, smiling and making the most of every opportunity. Over time I have learnt to listen to myself and do things that most others don’t. If we want to create wealth, we need to apply that philosophy to every area of life. I’m sure those who didn’t listen to all those TV Gurus six months ago, must be smiling their way to the bank. At the same time those who didn’t benefit from the Crash, please don’t lose hope as it is still not over. 

I find it hilarious when people treat the government as some sort of messiah that will fix every problem. Millions of jobs being lost in America and major banks and automobile companies going bankrupt overnight isn’t something that can be fixed by any government. 

If we study history, we can see a common trait to all Crashes. In the beginning, most people talk about extreme euphoria and don’t believe it. Then after it sets in, within a quick time span there is an artificial recovery and many common people think, things are good again. But them main reason for that artificial recovery is that big investors and people on the inside, want to exit their investments and trap the ignorant masses. 

Way back in 1930, after the Crash of 1929, there was a similar recovery. Everybody started talking about how things were good and everything was back to normal. Economists and world leaders were saying, don’t worry anymore things are good.  However, post that things got much worse for a few years, before the world saw one of the most incredible periods of growth.

Once again the reason I am saying this, is not because I am pessimistic about India, but I don’t want our fellow Happionaires to take unnecessary stress and run behind a raging market. I don’t want you to be caught in a 800 points downfall and curse the markets and your decision. On the other hand if you have bought something at low levels or even at higher levels, you can surely keep it for the long term. If it is a good company, you have nothing to worry. 

As more financial institutions go bust in the West, money is going to dry up. The world is now soon going to see extremely high interest rates and higher gold prices. I won’t be surprised if interest rates in America rise over 10-11%. I know most economists won’t agree, because interest rates are so low there that money has lost its value. But we just need to wait and watch. Real money is becoming very scarce there. 

Jobs losses and foreclosures are on the rise. Even in India, lakhs of people have defaulted on their home loans, especially in urban areas. I was sitting with a banker with one of India’s biggest banks that had funded home loans and he very honestly told me that even if interest rates go down, they are hesitant to fund home loans as they have so many defaulters. He told me how the government was trying to bail out builders by lowering interest rates, but if people are afraid of losing jobs and have no money they wouldn’t buy such overpriced homes.

The Crash in real estate is yet to come in prime urban areas; it will take several decades, for real estate to reach back to the overpriced levels of 2008. Do not believe planted reports in the media about a real estate recovery. These have been planted by builders to misguide the masses. I like visiting construction sites and empty buildings for sale in the real world. The situation is so bad, that many builders are forced to announce low cost projects in distant suburbs just so they have some cash flow for survival. The real world is where we need to get our knowledge from and not from planted advertorials. 

In many ways, the full intensity of the Crash is yet to be seen by most people. It will shock many, but for the few who are informed it will be an opportunity not to be missed and an occasion to create immense wealth. I hope more Happionaires look at it that way and are prepared with knowledge to make the most of it. Do you agree? 

Have a great weekend and have fun with your family!

Yogesh Chabria 

Happionaire 

Politics And The Economy - Does It Really Matter?

"Cash The Crash helped me learn to analyze companies and I made over 30% be investing in the company shared. An  extremely entertaining and exciting read that every investor must read.” -Dr. Sunil Chopra

Have you read it yet? 

Politics and The Economy - Does It Really Matter?

Once upon there was a seed, in the beginning it needed people to water it. Later when it became a small bush, it needed people to protect it from animals and pests. It always hoped that it had someone to take care of it and nurture it. In the beginning it was small and weak, sometimes a few people would pluck leaves and hurt it and at other times animals bit leaves, but in spite of all these challenges it survived and grew. And over time it grew into a strong tree that had roots deep into the ground. It no longer needed anybody to water it or to protect it from animals. It was mighty strong and outlived many of the people who had hurt it and harmed it in the beginning. 

All of us are like that seed, since decades we have depended on our politicians and government to provide us things. Three decades ago our youth, needed to knock on several doors to get a simple job in a public sector company. We needed to bow down in front of the bureaucratic machinery for every little thing we needed – right from jobs to phone lines to licenses to start a business. 

But today things are very different. We just like that seed are on the path to growth and thankfully do not need to plead and beg in front of the government for everything. That is one of the main reasons, that I feel that no matter who wins or loses elections, it doesn’t really matter when we look at the larger picture in India. We are hard working people, and in spite of all challenges we do end up getting our work done and moving ahead. Look at Dhirubhai Ambani and how he flourished in spite of the entire bureaucratic machinery trying to pull him down. 

Today we have the power to bring about change and we all know that we can never depend on anyone else to do what we want. Look back in life and I am sure you will have many instances, when you were the single most important person in your own life. Our tree needs to becoming stronger and bigger. 

There are talks on business channels about how markets will rally just because a particular party has got majority vote. It might be nice that the Left is no going to form the government, however there is a lot more that the government needs to do. Security and punishing terrorists is one thing that is extremely important. 

Yes, they might be a stock market rally – but that still doesn’t mean that everyone should jump in blindly with their money. America still has very grave problems, and when those come out India too will see some short term corrections – those will be excellent times to buy more. I see a few more Banks going down in America and that will send a couple of shock waves. I am an eternal optimist on India for valid reasons, but politicians and political parties aren’t the reason behind my optimism. 

I know a few of you might be slightly confused and thinking “Will we get left out if this market rallies?”, “Let us jump in and put money.” I once again repeat as I have in the past, never indulge in such things. People Who Create Wealth Do Things That Others Don’t. Stop watching the business channel continuously and being bombarded with all sorts of views – it will not help you create wealth. It will just blind you from making logical decisions. You are not sheep, who will simply follow the herd but an intelligent Happionaire. 

Stay balanced and don’t forget smiling! 

Yogesh Chabria

Happionaire

Can We Change The World With Financial Voting? 

Want To Work With The Happionaire™ Way? Find Out How

Financial Voting: We Can Change The World!

It seems that a small part of this world is still stuck up in the colonial imperialist era. But it is high time that all of us teach such people about culture, equality and civilized living. 

We have been hearing about racism in the Shahrukh Khan’s Kolkata Knight Riders team as well Indians on an Air France flight. It makes me furious when I hear that fellow Indians and human beings have been treated in such a way. We need to stand up and take action. 

Now it is high time we stop accepting false apologies and statements from anybody and need to take control of things. We need to change their mindset and for this we need to take more powerful and aggressive steps. Do you remember how Laxmi Mittal taught Guy Dole of Arcelor a lesson about the modern day world? 

The best way is to collectively vote against racism. It isn’t just enough to talk about racism and condemn it on website and blogs, but also to take real world action. I’m not talking political voting, but something even more powerful. I am talking about Financial Voting. According to me this is one of the most powerful non-violent forces which can bring about the change our world needs. 

All of us are indulging in the process of Financial Voting every single day. Many of us are not even aware we are doing this and that is one thing we need to change. Every time we buy something – we are voting for it. We are voting for the manufacturers, suppliers and employees that work there.  

When you fly an airline that has racist employees and management, you are voting in favour of racism and inequality. When you watch a match and support a team by buying its merchandise, you are supporting everyone involved in that team and what they stand for. However if people stop voting in favour of such practices, airlines will be forced to fire racist employees and change management. Cricket teams will be forced to remove coaches and management that dare to insult the great nation of India and us Indians. 

Imagine what would happen if most of us stopped flying with racist Airlines or stopped buying products of a company that treats Indian employees unfairly? Our combined vote today has the power to wipe out any major corporations from the face of the earth and we need to make sure our message is clear. 

We should vote against anything that is wrong, right from policies that destroy the environment to practices that spoil our culture and heritage. We have the power to decide what newspaper we buy, what TV channel we watch and whose financial services we use. If we find that anyone of them is not respecting our intelligence and not treating us with dignity or is doing things that harm our nation, we should vote against it by simply boycotting the use of their services and making sure our friends and loved ones do the same. 

Financial Voting has much more power than political voting and isn’t something that comes just once in five years. It is my vision that one day we will have the entire society pushing for financial voting and financial literacy on a mass scale. That is when The Happionaire Way will truly be powerful. If we think a corrupt politicians or gangster is running a restaurant or hotel, we can simply boycott ever visiting it and making sure people know who is behind it. We can even go a step further and boycott institutions that cater to such corrupt politicians. This way we can all boycott such people on a mass scale. 

The power of Financial Voting is so much more, because it directly hits these people where it hurts. These people might not have the intelligence, conscience or understanding of what we are trying to explain and that is why we need to make sure that they are punished more directly. 

Imagine if all of us boycott racist Airlines. This will hit their revenues and profits, and in turn they will be forced to fire employees and ask for bailouts from their governments. The fired employees now will take a direct hit and will realize that they have been fired because of their racist attitude. This will force them to think and change their ways. When there is no food on the table and no roof on the head, they will realize their mistakes. This will also force governments and organisations to make sure they serve everybody equally. 

Financial Voting is so powerful that it can bring down the most arrogant of empires and nobody is immune to it. We do have the power to change the world with it. Do fellow Happionaires agree? I would love to hear from you here. 

Keep smiling and spreading the love!

Yogesh Chabria

Happionaire 

I Booked Profits. Did You?

I Booked Profits!

I know that right now several people want to jump into the market. The same people who were telling me they are not going to invest in ‘dangerous’ stock markets when the Sensex was below 8,000 today are very eager to jump in with all their money. It seems no matter how much we Happionaires try spreading knowledge, there will always be people who get blinded by greed. 

I booked profits in several of my investments made barely a few months ago. As shared earlier I had been buying into a group of stocks at the lows. I even partially booked profits in the company shared with all of you in Cash The Crash. I made over 38% in it, just in a couple of months. Overall the average returns have been 45-50% across line. 

But why did I exit so quickly? Am I not a long term investor? Are these companies bad investments? 

The companies I invested in are still fundamentally strong for the longer term and India is still one of the best places to be invested in. The simple reason is that most of these stocks rallied very quickly and today the scenario is very different from what is used to be earlier. 

This rally has given me an excellent chance to book profits and at the same time I know I will get a chance to enter back at cheaper levels. Why should I lose out on my over 40% gains when I am sure markets will retreat soon? The global economy; especially America, hasn’t improved; instead things have become worse there. With Chrysler going bankrupt lakhs of more people will be jobless there and this will mean more mortgage defaults. I’m sure all of you might already be knowing how this works. (Remember how I shared the entire functioning of this toxic system to my aunt over pav bhaji and gulab jamuns in CTC?) 

In spite of this when markets rally, we need to understand that it is a good time to exit partially and book profits. The end of every rally ends in panic buying. Do you remember how everyday markets would rise 300-400 points before the Crash? Never panic buy or panic sell, it is a sign of a weak mind that can be controlled by external forces. 

All those who weren’t able to benefit from this quick rally, please don’t regret anything. Instead use it as a learning experience for the future. When the markets were low, most analysts across the board were speaking of eternal doom – now on the other hand suddenly all of them have changed colours. Ignore them and listen to your own heart and logic. I see a strong bull run that will be much bigger than what we have ever seen in the past, emerging in the next few years. I hope people don’t feel left out of it and benefit from it by investing in knowledge first. Based on my experience once markets fall a bit, quality investments that have the potential to give returns in excess of 500-800% can be picked up.  (Remember Bank of India?) 

History has told us that destiny keeps giving us opportunities to create wealth; it is up to us to stay alert and make the most of it. 

Keep smiling and keep sharing your ideas! 

Yogesh Chabria

Our last post has lot of interesting conversations and it was once again proved that love is much more powerful than hate. 

I have been using my profits to buy more gold. What are your views on gold? 

For Every Indian: Don't Be Brainwashed!

Recently a car company’s ad showed how a small girl is being ignored by all her classmates and friends, but when her father buys a new car everybody starts taking notice of her. Should people buy expensive cars, just so they are noticed? Is the self worth of a person depended on the car he or she drives? A person should be noticed, loved and respected for who they are and not for what car they drive. Today the West and America are bankrupt because for the past three decades such a materialistic message has been promoted in their society. Society has been brainwashed and made to believe that without that expensive suit or fancy mansion, their life is incomplete. Unfortunately most Americans are suffering because of this brainwashing and propaganda. When a life is lived on the basis of paying EMIs and debt to have useless things, it is then that life becomes really incomplete. I find it a disgrace when investment bankers and Wall Street guys continue wanting to ask for huge bonuses while their entire nation sinks into the worst bankruptcy mankind has ever seen. When your life has no purpose, no spirituality, no love and no family, the only thing that matters are artificial and temporary sources of happiness. Our life is meant for greater things and is a very special gift. 

Unfortunately today the very same type of thing is starting to happen in India. Everyday we are bombarded with images of fancy cars, cell phones and several other things. The media and advertising play a major role in shaping and influencing our modern lives and what has been used since decades to brainwash people. At the same time the education system is also in tune with such a philosophy, no wonder there isn’t enough focus on financial literacy and leading a balanced life. The crash that happened is very good because it finally helps millions of Indians realize that the American dream of excessive consumerism fuelled by toxic loans– is not a dream but a nightmare. I feel sad for millions of Americans who have lost everything, because of a system that works only for a select few and ignores the rest. 

No matter how intelligent someone thinks they are, when they buy a new cell phone every 6 months, even though they don’t really need it, they are being brainwashed into giving their money away to big capitalistic corporations based outside India. I have always believed that the downfall and bankruptcy of the West has been because of such a lifestyle. When children start comparing each other on the basis of what car their family drives, we know something is terribly wrong. 

When I was a child, none of us cared what car a family drives. My family didn’t even have a car, but by the grace of God, we had a happy and healthy childhood. A life where people are working as slaves for 16 hours just so that the money they earn can be spent back on overpriced ‘commodities’ will seem insane to anybody logical. People are made to believe that an expensive cream or big diamonds will make them feel better, look better and be happy. But we all know that this isn’t true. Happiness comes from within and not from driving big cars that pollute the environment. 

What I am saying is truly a modern way of thinking, because old world capitalism is extinct – and that is a good thing. In a modern world, the principles that India’s civilization have stood for thousands of years, need to return. Life needs to be more balanced because just living a materialistic and consumerist life leads to unnecessary stress, depression and a sense of emptiness. Today everybody in the world needs to be a Happionaire first, it is the need of the hour and then people can choose to be millionaires and billionaires. 

A lot of people have loved Cash The Crash, however there has been a small minority who have shown a lot of resistance to the ideas shared and believe it or not, I have even got a few hate messages from these people. For instance I had a builder telling me how I am responsible for a real estate crash, because I have revealed things that weren’t spoken or written about in the mass media and now potential buyers are quoting my formulas and logic to them. I have had a few foreign investment funds and rating agencies, telling me how I did a wrong thing by revealing their methods of sending false signals through the media and tricking investors into buying overpriced stocks. I have had a financial advisor telling me how I am simplifying finance so much that people are now asking him questions that they would never ask before. 

When people become smarter, it becomes harder to fool them and trick them into buying unnecessary ‘investments/insurance, etc’. They are feeling scared, because the writings are so simple and interesting that a much larger percentage of the population is getting access to such ideas. Earlier such ideas were known to a very elite few, because financial language was filled with jargon meant to confuse and dissuade the masses from learning more. Besides finance, even fields like law purposely complicate things in order to maintain exclusivity and intimidate the common man. 

I have no hate towards anybody, and I have openly mentioned that all these people can create much more wealth if they follow ethical ways. If they really look beyond the surface, they can understand that being ethical can help them win many more new clients and grow. But I guess there will always be such people in the world who try to resist and oppose what is right. In fact a part of me is very happy, that our vision of educating people to become financially responsible and literate is having an impact.  Happionaires are gaining power and influencing the real economy. We still have a long way to go and we need the Happionaire way to spread to more people. If we need to make sure that our nation is not destroyed by the same forces that destroyed America, we need to spread principles of leading a Happionaire life, with your children, friends and loved ones.  

We need to discourage people we know from taking loans and spending on unnecessary things. We need to make sure they save and invest wisely. The money saved can be used for much better things and for building a society that values and respects resources. Since our childhood we have been taught to respect Goddess Saraswati and Laxmi, we can’t let anyone destroy our way of life and brainwash us with their propaganda that wants everybody to be bankrupt. We will not let this happen and should make sure no Indian gets brainwashed. 

A car is just something that gets us from point A to point B, our children don’t need a car to make them feel special, loved and cared for by the world. They need our time, attention and love. 

Keep smiling and keep learning! 

Yogesh Chabria 

Happionaire

Our last post had some interesting discussions on Gold and the world economy. Do read it. 

Read more Cash The Crash reviews.