Voitto Insights
I am passionate about helping others have the right mindset to overcome challenges. Financial independence plays an important role in having that right mindset. I will also post regarding trading and investment ideas. Earlier had successfully completed two masters in management degrees. I am a working professional with more than a decade experience in multiple industries. Disclaimer: Kindly note that, I am not a Sebi registered investment advisor. Please do your own due diligence before taking any action on the posts here. All posts are for educational purposes only.
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How to efficiently use your credit card and save money on your monthly expenses?
Do you know how to use credit cards and also save money in the process? It is highly likely that you are not aware as no one bothers to read the fine print. To use your credit card limit to save money, you should select a credit card that offers special offers, benefits and the reward points with which you can get discounts, free products or cash back on online shopping. You should also know how to redeem these reward points effectively, given that many credit cards give you an option to pay your credit card bill in full or carry over your balance to the next month without any…
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10 ways to kill Debt fast !
Debt is a problem that many people have and it can be hard to get out of. However, there are many ways to kill debt fast. These 10 ways will help you get out of debt and start saving money. Debt in the United States is very concerning. It’s been said that Americans owe $1.48 trillion dollars in credit card debt alone. That’s more than the Gross Domestic Product of Russia and Canada combined! 1. Start tracking debt Make a list of all the debts you have, and how much they cost in interest per month. A lot of people will be surprised to find out how much their debts…
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Get a Debt-Free Home by doing only what you love !
You may have heard the saying “You get what you pay for”, and that definitely holds true when it comes to home mortgages. With more people struggling to afford their dream homes, there is a great demand for debt-free tips and advice. From finding the right financing options to starting with a clean slate, you can take on your mortgage challenge head-on. Start living the life you want today by learning how to do only what you love—and maybe even save some money along the way! 1. How to start living a life that’s true to You. There are a number of ways to become debt-free. One way is to…
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Smart Home Living: Tips and Tricks for making the most of your life with Technology !
Have you heard about a smart mirror or smart light? Why are they called smart? The new age is already here. Gone are the days of manually operating switches and appliances in your home. IOT or Internet of Things is coming in a big way to your homes. You can see the trends and new products being launched to cater to the demand and this is only the beginning. Smart Home Living is growing more and more popular every day, and that’s good news for you. Whether you’re just starting out or have been using technology in your home for years, there are a few things you need to keep…
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Insightful lessons from the life of Mr. Rakesh Jhunjhunwala !
He would advice to be aware, that leverage has neither a mother nor a father, nor any friends.
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How is Blockchain improving experiences and promoting investments?
Travelers may arrive at the hotel with all of their information already stored on the blockchain, which would speed up settlement.
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How to share Facebook links effortlessly?
There are instances when you might want to send someone your Facebook profile link
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Hand washing app for Galaxy Watch !
During the Covid pandemic personal hygiene became an important discussion point. It still is. It is estimated by credible medical agencies that people touch their face 23 times an hour on average, of which 10 touches are to the eyes, nose or mouth. Many infections travel this path and it included viral infections as well. Samsung has launched a hand wash app for it’s Galaxy smart watch. It cool features include. Reminders with alarm Timer of 25 seconds Shows time since last hand wash Allows to set no. of hand wash target Weekly progress chart
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Top 5 turnaround strategies adopted for companies
Raw corn is dull. However, when roasted and mixed with spices they taste yummy. We may apply this same theory to our management and business. In this technologically advanced world, the growth of our firm stops if we continue to use the same conventional business strategies. But that’s not always the end; other times, it heralds a fresh start. Businesses use a variety of techniques to reduce the impact of a declining external environment, national economy, and market conditions. A TURNAROUND STRATEGY is one of them. It is a type of bootstrapping approach. As part of this approach, the corporation decides to reverse some of the choices that may hinder…
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How to identify momentum stocks? Top 7 techniques.
Identifying momentum stocks requires observing a combination of indicators along with price structure. The price movements give subtle hints and we are supposed to catch them. For a trained eye it becomes all the more easier. To develop the same, view at least 100 stock charts daily for over 3 months. You will be surprised by your speed after this practice. 1. Volumes Identifying momentum in a stock requires observing the volume and oscillators. Consistent high volumes as compared to previous days can give a good indication. This observation should be coupled with RSI and price structure. E.g A moving average crossover with volumes can be considered as short term…
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How to nullify your home loan interest impact ?
It is now time that you turned the tables in your favor. Go ahead and use the above strategies to nullify the interest rate impact of a home loan.
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Top 6 NFT trends leading the mainstream adoption !
Increasingly, the NFT trends are indicating a revolution is brewing. Cryptocurrencies are now legal tender in many countries. NFTs and Metaverse are coming up in a big way. The startup ecosystem is spinning out many innovative solutions. Few big leaders like ‘Meta’ are already facilitating adoption.
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How to navigate money with your honey ?
As a bachelor, I never took household budgeting seriously. But this changed after 'Honey' came into my life. We have been successful in drawing a monthly budget, which includes income and expense buckets.
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Be impatient with actions, and patient with results
Setting an intention is very powerful and helps tremendously in achievement. The intention can be made more effective by creating an action plan around your goals and having a routine for all the activities. Remember, consistency is the key here.
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RBI regulations summary for Microfinance Loans – 14th March, 2022
The directions shall be effective from April 01, 2022. Banks and all NBFCs now fall in the same regulatory framework.
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How ‘Flutterwave’ is reinventing itself ?
'Flutterwave' is a Fintech company based out of Lagos and headquartered in San Francisco. It was founded in 2016. It promotes cross-border transactions of small to large businesses in Africa via a single API.
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Top affiliate programs with recurring income features!
Affiliate marketing is an online advertising model wherein, the company compensates third party publishers to generate traffic and help promote the company's product and services. The compensation is in the form of commissions and is usually divided into slabs to promote more sales.
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What can the price of a water bottle teach us about life and self-worth?
Have you ever observed that the price of a water bottle can vary substantially across different places? For example the price may be 99 cents in a US convenience store and may increase 4 times to $ 4 in an international airport.
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Why motivation never lasts but inspiration does?
Being happy is intrinsic for each one of us. One looses track of time when engaged happily in any activity. It may be as simple as binge watching. Many remain happy and content by pursuing their passions. These may be as diverse as travelling to collecting coins to running a business. Once we approach any task with intrinsic happiness and motivation, creativity blossoms. It is long lasting.
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Wishing a great new year 2022 !
The new year brings new hopes and rekindles aspirations. We sincerely look forward to more resilience, prosperity and health in each one of you.
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Best strategy to achieve financial freedom !
There are 2 school of thoughts with respect to savings. One school talks about increasing the expenses and the other encourages more savings in the current circumstances.
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Is Evergrow coin the next crypto value buy?
EverGrow Coin has innovative features, which the company claims has actually set it apart from other projects and led to the platform being the fastest growing in the crypto world.
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Realme X50 Pro 5G – Mobile phone
The Realme X50 Pro is 5G ready. it has built in Android 10 which is upgradable to Android 11, Realme UI 2.0. The display type is Super AMOLED, 90Hz, HDR10+.
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Earn interest on cryptocurrency deposits!
A crypto currency savings account works like a traditional savings account. In simple terms, one would deposit cryptocurrencies in the savings accounts, which are then lent out to third parties, who agree to pay interest on the borrowed cryptocurrencies via the savings accounts.
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Story of determination shared by Mohnish Pabrai !
The 2021 IIT selection test results are finally out. This batch had a lot of challenges with Covid, campus shutdown, delayed tests etc. I am super excited to report that, despite these challenges, at Dakshana Valley we had our highest success rate among our scholars. About 88% of them will be offered a place at one of the IITs. The star of this batch is Rajkumar. Rajkumar is missing his left forearm. His mother (in the picture) is illiterate and works as an unskilled laborer earning $55/month. His father, also illiterate, passed away when Rajkumar was ten years old. I cannot comprehend how his widowed mother raised him and his…
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How to manage loss in intraday trading?
A discount broker will go a long way in keeping the charges low for intraday trades. It ensures more money in your pocket. Avoiding loss in intraday trading is a function of market psychology, knowledge, position sizing, and stop loss. All of the 3 needs to be combined to avoid losses. However, losses cannot be avoided entirely, and one can only limit them. With this thought process in mind, let us go through a list of points, which will help to manage intraday trading risk considerably. 1. Rely on position sizing Position sizing plays an important role in limiting losses. The concept means that you are willing to loose only…
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Vivo X70 Pro Plus review
The Vivo X70+ has an attractive 3D curved display. It is 8.89 mm thin and weighs only 213 grams. Edges are smoothly crafted and facilitate a firm grip
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Make your good habits stay forever!
We don't try to delve into the real reasons of habit formation failure. According to me, the real reason of failure is only one i.e Failing to re-start after a temporary set-back/pause.
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How to manage any stock market crash?
Why do we have to wait for a crash to be safe? A crash is not in our control, which makes it highly risky. A much better approach, which is in our control, would be to focus on stop loss and position size.
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Attach curiosity with happiness
One would generally feel a surge of energy when curiosity and happiness merge. This is also termed as passion and allows one to be in the game longer. It feels like euphoria and if managed well can help achieve goals easily. Work feels like fun
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Being an expert in equity chart analysis !
Many of us would like to be experts in Equity chart analysis. Many feel it is quite easy. However, it is the quite opposite as analyzing any chart requires balance of mind, keen eye for detail, technical knowledge and ability to correlate. All of these are life skills and everyone knows that these skills are only honed with time and practice. One should not expect to be a master in few months. Below are few points, which I have tried to explain. These will surely build your expertise in chart analysis. 1. Understand your trading style Understanding your trading style will depend on your trading capital, trading comfort, objectives, time…
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How to keep track of a startup’s progress?
Managing a startup requires a lot of patience and skill. Each day will bring new challenges. Frequent firefighting during the initial stages is very common. Liquidity issues will crop up every now. It will be extremely important to keep close tabs on the performance of the organization and be ready to recognize issues early on. Before anything else the key performance areas and objectives for the company should be clearly defined and outlined. The measurements should be very objective. e.g. Sales per employee, case load per officer, bounce rate etc. There are 5 important areas to track a startup’s progress: 1. Team quality and contribution To me the team is…
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Major Anuj Sood followed his heart and excelled !
Major Anuj Sood was an alumnus of the Punjab Public School Nabha and had signed up with the National Defence Academy prior to being commissioned into the Brigade of the Guards. After his school education, he had cleared the IIT JEE test, however he chose to sign up with NDA as he had dreamt of. From his youth days, he constantly desired to follow in the steps of his dad( Brig Retd. Chandrakant Sood, who served in the Corps of EME) and serve in the Army like him. Major Anuj Sood of 21 Rashtriya Rifles (RR), who put down his life in the line of duty in an encounter with…
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How to play far month derivatives in India?
Playing far month derivatives can be tricky business. One needs to understand the psychology of trade participants and get in the trade at the right price. Day traders should avoid trading in far month derivatives at all costs.
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Climber stocks ( September 21′)
Stock Current price Estm target Stop Loss Estm Time Result CADILAHC 550.55 650 520 3-4 weeks BAJAJAUTO 3699.45 200 3650 4-5 weeks AARTIIND 926.50 1000 901 1-2 weeks COROMANDEL 766.80 1000 719 4-6 weeks
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When should you think of retiring early?
There are many reasons that you may not wish to retire early. Similarly there are many strong rationales to think about doing so. It becomes more important, if your partner is retiring early and you wish to spend optimal time together. Below are few great reasons to consider retiring early: 1. Plan to minimize future guilt Many individuals in retirement have remorse about having committed a lot energy and time to their work and hence were not able to give adequate to their loved ones. By retiring early, you’ll not only have more time for grandchildren and kids, but also your better half. You will receive an opportunity to build…
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Remember these after buying a health insurance!
I hope you have bought the heath insurance cover for yourself and your family. If you are still waiting to buy one, then please look around. Your savings are the first to suffer in the absence of good health coverage. Also, due to the pandemic premiums have been increasing recently. The procedure of purchasing medical insurance is really simple. You go through the features of the very best policies, consult friends and purchase them offline or online. After that the policy files reaches your home within a few days of premium payment. You feel relived at last. However, your health insurance has to undergo the ‘claim’ test, before you can…
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Living in the US, crossed 50 and still catching up on retirement savings?
Information is significantly revealing that numerous Americans, even those in their 50s, have actually conserved little for their retirement. According to research study by the not-for-profit Economic Policy Institute, amongst homes headed by grownups ages 50 to 55, the average retirement cost savings is just $8,000, according to the Economic Policy Institute. Absence of retirement funds is even more worrying as today’s grownups are anticipated to live a lot longer. In 1940, the life span of a 65 years of age was nearly 14 years. Today it is simply over twenty years. Supplemental earnings like Social Security might not suffice to cover anything beyond fundamental requirements, particularly if senior citizens…
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RBI boosts credit and debit card security with new rules
Many of us have heard about Credit or Debit card frauds/misuse from our acquaintances in the recent past. Earlier, transactions would not require OTP verification while executing the transaction. It had left a big loophole open and was being misused by firms, who used to store credentials. Transactions would get executed well after the subscription period. I myself faced issues with Netflix subscriptions, which would automatically debit the amount from my card. This was specially risky, if are planning to stop the subscription on that day. Now, RBI has come us with a new set of rules for cards issued in India. For New Cards or Reissued Cards During issue…
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Thoughts can revolutionize your life !
Any beautiful creation has to be deliberate and well planned. Nothing is accidental. If it is, then you do need to plan really well to retain that beautiful creation of yours. All of us have a small self-talk. It depends what we tell ourselves. It can be positive or a negative self-talk. What does your thoughts do to you? I feel it is like sowing the seeds of a flower plant or a weed. Be careful of what you sow, as your mind is like a garden, which needs all the care possible. Self-talk seems commonplace at first glance. I had this cluster of images running in my own mind.…
