The Happionaire™ Blog- Investing, Wealth Creation, The Economy, Entrepreneurship And More!

Are You Jealous?

2013-03-08T00:55:00.004+05:30

Several times, I see people feeling jealous of others. When they see someone driving in a nice car or enjoying the good life, they instantly feel jealous, they start telling everyone how the money was made through 'unethical' means or how that person simply made it because of 'good' contacts. They are filled with jealousy and burn from inside. Almost always such people never succeed, the never go on to create wealth and even more importantly these people never have inner peace, happiness and love. In this lovely journey called life, jealousy is something that burns people from inside - get rid of it and convert it into inspiration.

Wealth is something beautiful and I feel very happy when I see someone enjoying it. That person is enjoying it because of hard work, intelligence, creativity or probably even because of sheer luck. He or she is an inspiration for me.

The other day I was visiting Palladium, Lower Parel (Remember I had shared all about it in Invest The Happionaire Way , it is the same place where I had visited Big Bazaar when Lower Parel was just coming up and how it was an excellent real estate opportunity) I was speaking to the lift attendant, and within the few minutes I was in the lift with him, he shared so much information about the mall and how it ran, I will share these insights in the near future. I love the way we get insights about the way the world works from the most unexpected of people. I loved his attitude - he had no jealousy or envy and knew about the new Shangri La Hotel that came up, the land costs in the area, the stores that were doing maximum business and they profile of buyers.

People who are jealous send negative energy, they fill their heart with jealousy which in turn becomes anger. Jealousy stops people from being inspired and learning, it stops them from realizing we are all creations of one Invisible Divine Force. This Force is what blesses us, it is this Force that helps up move ahead and come out of the most challenging of times.

Today in our life when we look back, I am sure all of us will remember moments where we were faced with difficulty, times when we thought that everything has ended, times when there was no hope - and then suddenly this Divine Force suddenly gave us energy and today we are have risen stronger.

Jealously makes sure this Force doesn't work for you. This Force doesn't like jealousy, it doesn't like the hatred, it is repelled by it. Instead let us all fill our hearts with love, love for this wonderful thing called life.

A lot of fellow Happionaires have been asking me what all I have been upto, well for one, I have been writing something - it is a Business Thriller - to me it is one of the most exciting journey's I have had. It is as if I have travelled with the characters of my story into the business world. I have almost finished it. I still haven't sent it any publishers, except one. The one publisher I did share it with, refused to publish it due the apparent controversial nature of the book. Very understandable, but it is a story I want the world to know. Shall share more on it soon.

Lots of love,

Yogesh Chabria

Happionaire

How Did The Weakest Animal Rule The World? - Share Your Thoughts And Ideas

How Did The Weakest Animal - Rule The World?

2013-01-24T01:32:00.001+05:30

Millions of years ago in the dessert there was a very weak and small animal. This animal was the weakest of all - it couldn't run fast like the others, it wasn't as strong as the others, it didn't have claws or sharp teeth - nor did it have poisonous fangs, it wasn't as large as the others either, it did not have any protective armour, it couldn't fly, nor stay underwater, it didn't have anything - but today a million years later, it is that creature that is ruling over everything on this plant, it can fly and go to the deepest points underwater, in fact it can do everything that it wants to. Have you ever thought what made this animal so strong? What made us the rulers of this wonderful planet?

The simplest answer, is the power we have to think about the future and work with those around us, as groups. Since we were so weak, and not strong like a tiger, we had to be with others of our species. We had to live in groups and protect and care for each other. We learnt to love each other and form bonds and trust. Love gelled us together and helped us grow stronger. Whatever we learnt, we passed onto the future generation to build up on it, when we were born, we were gifted with the knowledge of what our ancestors learnt over thousands of years before us. It is their love for us, that helps us grow further and further.

It is love that helps us rule and be a dominant force in this world. Over the past, it has been wonderful dwelling and experiencing the way the human mind works, the way spirituality affects our life and existence it has been wonderful experiencing nature and experiencing the wonderful gift of love. Being away from noise, being away from sharing views - is lovely. In silence we learn, in loneliness our mind penetrates the depth of learning.

Today for us as a human race to grow, to thrive, we need to spread love - we need to move away from artificial sources of communication and move to a more real world - touch and feel form of communication. We need to connect with nature and develop technologies that fit wonderfully into the natural world. The Happionaire movement now needs to go beyond simply the stock market or investing, it needs to be a part of the greater existence. It needs to go beyond investing in Gold and sensing how we can benefit from increasing diesel and oil prices. It needs to be about this lovely thing called life.

Being the weakest species was our greatest boon, by being so weak, we had to develop communities. The human baby is the weakest creature and takes the longest to become independent. This is a wonderful thing, it lets us keep learning and learning. People who learn, are always people who believe they know nothing, they are people who accept the fact that the world and universe is as vast as an ocean, and it is impossible for anyone to know everything.

The weakest animal shall continue to rule the world - by continuing to be weak. By continuing to love and spreading love. Once this animal starts believing that he has nothing more to learn, once he stops respecting others, stops loving and sharing with others - it will be the end of this animal.

I want each one of you to share this love with everyone around you. I want you to go and express this wonderful feeling of being alive, being able to read this at the moment, with all those around you - and I want you to laugh and smile because whenever we do that it becomes easier to absorb knowledge.

Lots of love,

Yogesh Chabria

Happionaire

What A Good Sea View Can Teach You About Investing?

2012-09-05T01:17:00.001+05:30

I have been spending even more time reading, observing and learning. There is an incredible things that are truly exciting. I love nature, it teaches us the most about life and investing. Recently a beautiful sea view taught me so much. Nature is God after all and God is Nature.

In my journey of understanding investing, business I like meeting people and sharing ideas. People teach me the most - more than any book or school or college. One of the most amazing things I recently experienced, was truly magical. I have managed to go to this place close to The Taj, Mumbai at Apollo Bunder. It was to have lunch with someone interesting.

This was the first time I was eating here. It was a nice place on the rooftop of a hotel, which has a much better location and view than even The Taj. In fact, I have never seen a better view of Bombay then this. As I was sitting there, I could see the vast Arabian Sea, several yachts, cargo ships and the sun shining on the sea along with green islands and hill sin the distance on the other side you can see The Taj. For another hundred years, nothing is going to come in front and the view shall remain the same. The food too was amazing and so was the service.

The Taj Hotel, a part of The Indian Hotel Groups, was the same hotel in which I, as well as several other Happionaires invested after the 26/11 attacks. I shared about this investment even in Happionaire's Cash The Crash. Once again see how everything is linked and connected, investing is a part of life. It went on to be a very good investment, but what is sad is that our government still has kept terrorists like Kassab alive, coming back to the place I was having lunch at.

While it isn't a place where they usually serve lunch (it is a cafe and bar), they made an exception as we were having lunch with the person who owns the hotel, Rishi Chhabria (Not related to me in anyway - I'm a Chabria - spelt differently he has a double 'h' - but certainly a fellow Sindhi and Happionaire!). The service was warm and the food amazing too.

Rishi is an interesting person and I think he has one of Bombay's best kept secrets in terms of locations and views. He owns Sea Palace Hotel and I was at Cafe Marina on its rooftop. What got me interested was that this property was purchased by his great grandfather, even before India got independence and at that time it is rumoured to have costed only Rs. 15,000.

It is said that a real estate agent, came to his great great grandfather while he was at the nearby Radio Club, and told him there was a piece of land available just down the road. Within a span of 10-15 minutes,without even looking at the land, his grandfather told the agent that he will buy the land and immediately gave him some small token.

His family was quite upset with him for making such a move as the entire area was undeveloped, empty, in fact there wasn't even a proper road, but he has told them, that this will be the best investment the family makes. He bought the land and built, what we know today Now almost seven decades later Rs. 15,000 would be easily worth anything the mind can imagine. Of course Rs. 15,000 was not a small amount back in those days, but then there were so many others who might have blown it up on something else.

My great great grandfather's side(From my Nani's side) for example were one of the richest families in Bombay, but most of them got so much wealth that instead of investing it wisely, blew large parts of it away on horse racing, women, gambling, cars, etc. They did buy several properties, some of which are there till today, but none at such good locations.

Today his great, great, grandchildren and enjoying the fruits he sowed several decades ago. When it comes to investing, people with vision are the ones who succeed. He had the vision to buy the land, even though his entire family was against it. He believed in his heart and listened to his inner voice.

I have met so many people who define that investing and success isn't rocket science. It is about being practical, it is about having the guts to go against everyone else and doing what your heart says - at most you will be wrong, at most you will fall, only to rise again.

Today a few speak about recession and slowdowns, but those aren't the people creating wealth, in fact the number of opportunities are immense. The same way Rishi's great grandfather did back in those days. The thing about real estate bubbles are they affect places which will have a lot of supply, so in Mumbai a place like Lower Parel or Mira Road can be a bubble, but a place near the Taj or other affluent locations with limited supply of land will not be at risk because of bubbles.

Ever since I shared my experiences in Invest The Happionaire Way, I have shared that nothing teaches us better than life and people. After you finish reading this and sharing it with everyone you know, go out and experience life. Drop down at your local cafe, store or restaurant and start speaking to the owner. There is so much to learn.

Keep smiling and happy investing!

Yogesh Chabria
Happionaire

The Decent Stalker - thank you for stalking us Happionaires!

Stop Analyzing and Get A Free Investment Holiday!

2012-08-09T13:18:00.003+05:30

I meet so many people who are constantly thinking and over thinking and trying to analyse everything around them. Many times in our lives, it makes sense to stop over thinking, to stop rationalizing, to stop trying to be like a computer. We are human beings, we are different - each one of us is different and special, many times we succeed at whatever we do only by not over thinking, by not analyzing. We need to start feeling. We have one life - and none of us are here forever.

I was reminded of this in a recent plane trip I was having. I was coming back to Bombay, and for almost 30 to 45 minutes the plane was shaking violently. During those moments, I realized that how much more I want to do in life. How this life is a lovely gift we have from the Almighty and we should make use of it to the fullest. Not worry too much and do what our heart tells us to do. I prayed to the Divine Force in those moments and requested him for some more time. Well thanks to God, I am here writing. Almost everyone on the plane clapped when we landed.

In the past too I have had such experiences, once I was on a plane which had to make three emergency landings and had an engine failure where the oxygen levels dropped. Every time such a thing happens, I am reminded to get rid of fear and live my life.

We are all taught that in business, investing and finance you should analyse things. But many times in life it makes sense to stop analyzing and over-thinking. Some of the best decisions I have made in my life have simply been because I didn't analyze, I just jumped in based on my feelings. I wish the youth today was encouraged to learn about life, through life - many times taking an instant decision is what pays - what helps you succeed.

I was recently in the Himalayas, it was a beautiful experience. The air, the sites, the nature, the rivers, the vast and majestic mountains. It made me feel how tin we are in this vast universe. It was amazing to simply admire the clouds and mountains, vast lakes in the midst of barren mountains, it makes us realize the beauty of our planet. It is indeed humbling.

Being able to take decisions and listening to you heart is about keeping your mind free, feeling light and jovial and playful, to develop this further I have thought of playing a game, doing something fun. I enjoy holidays (Am sure you enjoy them too!) and what would be even more exciting in an Investment Holiday - a holiday where you have fun, as well as learn about investing, money, business and other things.

I'm sure most of you must have read the most recent which I wrote with Anubha Singhania- FUNdamentals of Investing in Equities and Assets That Create Wealth. It has been getting lovely reviews and I am happy you have liked it. I thought as a way of giving back, why not have a nice contest where one lucky person gets to win a Free Investment Holiday?

On this Investment Holiday, you get to visit an all expense paid trip to a holiday destination and get to learn about investing. On this holiday, there will be other fellow Happionaires also. We are planning this somwhere around December.

All you need to do is write a review of the book on Flipkart, share it on Twitter and Facebook with everyone, and email your name and review link to info@happionaire.com and info@qudyn.com (For those of you who don't have Twitter or Facebook, just write a review and send in your name). One lucky winner will win an all expense paid trip for this Investment Holiday. This time there is no analyzing - just pure fun!

Let us all pray to Lord Krishna for his blessings and wish all of you a very Happy Janmashtimi!

Keep smiling and making most of every opportunity!

Yogesh Chabria

Happionaire

P.S - I had a good laugh reading this - am sure you guys will too. It is by Jasmine Chabria, my sister.

What To Do When Petrol Prices Rise?

2012-05-27T20:17:00.001+05:30

The entire news media and people all around are cursing the government for a lack of proper policy, for a falling rupee, rising inflation and an increase in petrol prices. People are complaining to one another about how things are deteriorating and putting the blame on the government.

Is it the government's fault? Of course it is, but governments and politicians all over the world are like blood sucking leeches, no matter how much you complain to them they will continue to suck your blood in the form of taxes which they spend inefficiently. Which will be spent by politicians to serve there own selfish purposes. On large mansions which they occupy and the Z level security used by them. Taxation and governments will always be inefficient. This is a fact of life and no matter what is done, no matter which political party is there in power, this will continue.

While it is right for all of us to protest, raise our voices and ensure our way is heard - we also need to accept on reality. Inflation is going to rise, things are going to become more and more expensive - and saving more is not the way to fight inflation. We need to start investing wisely and need to create more wealth at a rate which is faster than inflation. Saving and trying to pick pennies is no longer a solution to the way the global economy is headed. The only solution is to take control in your own hands, stop depending on anyone else, you are the person who will decide your destiny, who will decide your future. Come up with news ideas, thin creatively and use your imagination to work out new ways to create wealth.

As a Happionaire I have always believed that as human beings we are special, where irrespective of age, sex, creed, color, religion, you can create wealth and succeed if you believe you can.

Almost a year ago I had shared with all of you about how Petrol Prices will rise, now soon Diesel prices will also be rising. Eventually the reality is that petrol, diesel and gas all will become more expensive. They will be de-regularized and while on one hand we can complain and bicker, those people who go on to create wealth try to look for opportunities in everything. Those investments made at that time, will bear immense fruit now. In fact even now it is a good time to benefit from such opportunities. I request all of you to go on and once again read this report, it will help you now as Petrol Prices are rising.

In the past year, as I shared I have been exploring opportunities in a very different sector away from the stock markets- this sector is very basic to every man. Everyone needs this and is essential to human life, business, work, play, worship. Patiently as my eyes are opened to this new world, I will share with you.

Keep smiling and make the most of now!

Happy investing!

Yogesh Chabria

Happionaire

Where Had I Disappeared?

P.S.: I want all of you fellow Happionaires to share the above post with each and every Indian you know, we need to create awareness in the minds and hearts of people to ensure governments know what people are really thinking about.

Where Had I Disappeared?

2012-05-17T00:08:00.001+05:30

I only write when my heart tells me to, over the past few months my heart somehow didn't tell me to write. I didn't write, because I was in the process of experiencing a new world and learning new things. Every time I learn something new, I realize how much more there is to learn in the world and the more I learn the more I know how little I know.

I was missing, no blog posts, no articles, no interviews, no book signings, no talks, no lectures, nothing! I know this might sound strange to a lot of people, I know many of you have sent several emails, posted messages, dropped SMS's, called, etc. all telling me to come and write. It makes me feel nice and humbled, to know all of you are there. That so many people out there want to share ideas and are hungry for knowledge. I thank all of you for the love and support. My sincere apologies to all those who emailed, and I was unable to reply. I missed you all, but in the pursuit of knowledge, sometimes you need to cut away from everything and single mindedly go behind the mission you have taken.

I had several interesting experiences, I met new people, experienced new things, things I never imagined I would ever experience. Learnt things, that are absolutely new for me and widened my horizons.

Since my disappearance, I experienced new things, from meeting tigers and riding elephants in the wild jungle, living in a tent with nothing, to learning martial arts and being ready with a brand new book (this book is slightly different from the others.....because it just isn't a book, will reveal more just in time!)

While I was not here, several interesting things happened in the world of finance. Gold touched a new high, dollar touched a new high, the Indian Rupee became weaker than it ever was, the Indian political strata once again disappointed everyone by not making the right decisions. A lack of conviction in making policies, led to an outflow of capital by foreigners. Inflation sky-rocketed, fuel prices touched a new high, challenges grew, Kingfisher almost went bust. Some people got richer - some others got poorer. India is heading into truly dynamic times and our Politicians, Policy Maker, RBI, need to be very careful about what they do.

Quite a few women, became members of our Happionaire family, through Happionaire's Investment Secrets For Women. In fact my experience with women was so lovely, that I ended up co-authoring a book with an amazing woman, Anubha Singhania. The book is called, Fundamentals of Investing in Equities and Assets That Create Wealth. How this book happened and how it came into being is truly amazing. This book is proof that dreams do become a reality. I will share the story with all of you soon. It is truly an incredible book - I want each one of you to go out there and read it. It is not just another book - but something that is part of a larger mission. A mission which we all need to achieve.

In the time I was away, all that I learnt, I will share in the coming times. I also look forward to learning more from all of you about what your experiences have been.

God bless and as always keep smiling! There is nothing as lovely in this world as a smile and nobody as rich as someone who is happy!

Yogesh Chabria

Happionaire

This is where I left last! With Women!

The Happionaire Mantra and Women!

2011-10-07T19:38:00.006+05:30

For a past few days - I have been silent. As mentioned earlier too, periods of silence are needed when nothing new is happening. What we spoke about in the past - started happening now. Anyone with observation power would have realized that happening.

Markets going haywire, correcting, real estate in overheated areas going down -Lower Pare in Mumbai for instance, Gold over the long term (In the recent few weeks there have been corrections in the two - the reason behind this is simple, manipulations by vested interests, but in the long term it is hard to suppress prices in physical gold. We can now realize the power of buying physical Gold over an ETF.) If you hold physical Gold - don't worry you are safe. Don't worry if you hold Rupees and are planning to invest and spend in India. The weakness in the Rupee is more to do with the strengthening of the Dollar against all currencies.

But at the same time the deadliest mistake people make is to believe that they can predict the exact movements of markets. Anyone who went 'short' in the hopes that markets are going downwards, would be wiped in a single day when markets rose 500 points. Similarly anyone who went 'long' thinking markets would rise would have lost. The Happionaire Mantra has always been simply of holding for the long term and sleeping peacefully at night.

What we did in 2008 - 2009, we are once again entering that zone. The zone of bliss where you can buy things in your own prices. With real estate prices falling aggressively, there will be good opportunities for investors.

Thanks for all the e-mails regarding the market now - my simple answer is read our earlier posts - the companies we shared earlier, continue to be excellent buys and are amongst the rare few who continued to rise since the market fell. (Alternative Energy Investment to Petrol and Invest in Oranges When Pests Attack) I'm glad almost all of you have made investments in these companies and are smiling - irrespective of where the market is headed. These companies still have a long way to go.

With God's grace soon we are launching our new book meant specially for women - Happionaire's Investment Secrets for Women. I would like to thank all fellow Happionaires here for constantly giving me the support and love to continue writing. You can all pre-book it now - I need all of you to order a copy for yourself or the women in your life or even for yourself, in case you want some insights into the way women think. Writing this book was quite exciting and my journey took me too interesting places, will speak about it more soon. I have always felt that finance, investing and money needs to be made more fun - especially for the women out there.

I honestly hope I'm able to please all the women out there! Fingers crossed!

Happy investing and don't let the small things around you bother you. And to be honest everything around you isn't as big as it looks. It's all small.

May Steve Job's soul rest in peace and may he be one with God.

Keep smiling!
Yogesh Chabria
Happionaire

Life Is More Than Just Numbers

2011-08-26T23:53:00.004+05:30

The stock market ticker has numbers - lots of them all flashing away on the screen. Everyone who thinks they are investing thinks only about those numbers. But the beauty of life is it isn't about numbers, the beauty of investing is not about numbers, but the stories behind those numbers. The story of creativity, love, passion and sacrifice that goes in creating a business. The story of support from friends, family and loved ones and sometimes the questions asked about doing something the heart believes in.

Today the stock markets are correcting again, the same group of people, from brokers to analysts to TV presenters, all spoke about an India shining a few weeks ago are now talking exactly the opposite. I'm sure a lot of people out there will slowly start re-thinking their plans, businesses and individuals might become a bit more cautious. What happened in 2008-2009 might happen again. This is what happens, when we look at life just in terms of numbers.

Life is not just about numbers, it is about creating something beautiful. It is about doing something that the heart wants. A correction in stock prices or financial markets will have no effect on what you want to do. Provided you really have the passion to do it. If you want to do something new or believe in something don't stop doing it just because you think the financial markets have corrected. People will continue doing what they do.

There are so many interesting stories happening around us - we need to investigate them. For instance Gold rose very suddenly recently and then even corrected suddenly in a short span of time - has anyone thought what happened? Why did it go up in the first place and what made it correct? In the short term, there are lots of forces trying to push down gold prices. USA's de-rating has suddenly caused a lot of 'big' inside investors to rush to gold. I don't think America will take this lying down, there will be a lot of steps taken. Think about why S&Ps Sharma was fired, just after they downgraded US debt.

I feel their will be pressure on people holding large quantities of gold to sell it. Large pensions funds, hedge funds and even governments holding gold - will be pressurized to sell it. But from what I can see, the private holding will just keep rising, and post this battle between groups - gold will emerge victorious. I'm sure all of you must remember, how when at Rs. 12,000 and Rs. 14,000 we spoke about investing in Gold, a lot of larger and older investment houses ridiculed us and spoke about not investing in physical gold.

There have also been some price corrections in both, "The Best Alternative Energy Investment" and "Invest In Orange When Pests Attack", I will use this as an opportunity to accumulate more and take benefit from the sense of pessimism and fear creeping into people.

I hope to see all of you soon and sharing a few very interesting ideas on 2nd September at the Bombay Gymkhana and on the 3rd September at the Pune Gymkhana.

Keep smiling and enjoy life!

Yogesh Chabria
Happionaire

P.S.: Needed some advice on people from the Hotel Industry. Anyone from the hotel industry - do drop me an e-mail on yogeshchabria@happionaire.com with a brief about yourself. Thanks.

Cash The Crash 2011

2011-08-09T10:06:00.007+05:30

A lot of people have been e-mailing and thanking me for the ideas shared on gold as well as a few basic companies shared in the recent past. I thank you from the bottom of my heart for the kind words, but at the end of the day it isn't rocket science. It is just simple common sense that over time everyone can apply. Each one of you can listen to your inner voice, and you too will be able to understand what is happening. I'm a simple person and I believe that our intuition and natural instinct is the most powerful. I invest, live and do business based on it and by the grace of God, it has always made me happy. Listen to yourself and you will only have yourself to thank or sometimes when you go wrong, compliment yourself that you gave yourself a new learning experience.

I don't use any complicated charts, software or analysis. Whatever is happening today in the market, comes as no surprise to anyone of us Happionaires. In fact, had it not come, it would be a surprise. Gold is going up, because of a very simple logic - it can't be printed. (In case in the future some Alchemist comes up with a way to convert all the stone on the planet into gold, the prices of gold will crash and it will be worthless.)

But where will this correction stop? I don't know - and it really doesn't matter, as long as you are invested in good companies. In fact the companies a lot of us now hold, have increased in price, ever since the market started crashing.

So now once again like 2008 - 2009 we have lots of voices coming out and sharing their views. We have one voice which is talking about how everything is alright and there is nothing to worry and another voice talking about how it is the end of the world and for India. I am someone who is an eternal opportunist. While, yes there are a lot of companies that are going to face challenges - as interest rates go up, companies with heavy debt will be in trouble. Infrastructure growth and funding might slow down, but in the midst of all this there will always be companies that will reward you for the longer term. We all saw how our investments made in 2008-2009 rewarded us.

But this time things are a bit different. In 2008-2009, to be honest the problems weren't really solved, they were just pushed ahead a bit. I think now the world will have to face the problems - and the good thing is when we face problems we can solve them. There might be some challenges, but it is all for good.

The present period, I sense will be even more rewarding than 2008-2009. I have been buying more of this company, as the present crisis will benefit it further - but besides this many companies will soon come at cheaper valuations.

However, at this moment I feel what the RBI is doing is not correct. They have not been able to control inflation, which is threatening more and more people of our country. Instead of raising interest rates further, (I sense interest rates will go up all the way to 12%) they can adopt a more creative approach. They can help industry, agriculture, infrastructure produce more - this brings in more supply. They can help increase the power of the Rupee, so our major imports become cheaper. They can try and reduce taxation - and in turn command our politicians and Government to become a bit more responsible with the way they spend money.

Silver at the moment would also be good - but more from a traders perspective, but Gold even though a lot of large investment banks has started talking it down (But weren't the same guys talking it down even when it was at Rs. 14,000 levels?) it still makes sense. Gold is a big threat to paper - that might not be of much value.

Quantum Dynamics has organized programs on 2nd September at the Mumbai Gymkhana, and at the Pune Gymkahana on 3rd September for all Happionaires. I'm glad they are so passionate about spreading the message of Happionaire investing, I hope each one of you shares details about our program with all your friends, family and loved ones. In case any of you isn't happy with the program, I would love to personally refund whatever you have paid Quantum Dynamics. To register contact Neha 09971346274 or Email- info@qudyn.com . I'm going to see all of you there!

Keep your eyes and ears open. Things are going to get exciting once again.

Yogesh Chabria
Happionaire

What Is Your Dream?

2011-07-21T23:18:00.004+05:30

It was lovely meeting fellow Happionaires at our program that happened last weekend at the Bombay Gymkhana organized by Quantum Dynamics. It was fun, we had some good laughs and gained some insight into looking at investing slightly differently. We had lots of interesting discussions, and to be honest besides sharing a few ideas of my own, I got to learn a lot more from all those had attended. I always believe that each one of us has an infinite amount of knowledge within us – we just are afraid to tap it. Investing, business and a lot of other things in life are all inborn. We all ‘know’ within us what is right and what is wrong.

We had a few Happionaires who had travelled from Pune, Surat as well as Dubai. It encourages us to go out and spread the message to more and more people. It is a very simply message, but at the same time very important and powerful. I request all those who had been a part of the program to share whatever they learnt with all those around them.

Also the few companies shared in the program, I would like to give it to all those of you who were able to figure it out and e-mail it. A fellow Happionaire, Kamal Barbaria, was fun and shared an interesting company for all of us to guess. The company happens to be in the agricultural sector – linked with micro-nutrients for plants. It has an excellent distribution network already in place and has prime land in areas of Mumbai. The existing distribution network restricts competition. Any guesses which company this is? (I have been doing some research on it myself!)

I’ll like to take some time out and meet more of you. Do let Quantum Dynamics know if you want them to organize something in your city too. I would love to see you.

A lot of people asked me what is being a Happionaire about. I don’t have any particular definition for it. It is like asking to define what is it to have wind blowing through your hair and face near the sea. Life can have no definition, it is just a wonderful experience. I thought I will share what the Happionaire experience is all about. Just a few words that are from my heart.

Once there was a small boy. He had a dream, he wanted to do something incredible. He wanted to do something that would change the world forever. Something that nobody else had ever done, something that he loved. Something his heart had always told him to do. He had this dream even before he went to school. Even before he was trained and taught by teachers. He knew he would do this. But then school happened. Studies happened, tuitions happened, he was taught that failing and making mistakes was wrong. He was forced to memorize things. He was forced to kill his creativity and desire to learn. He was forced to kill his dreams because everyone told him that he should do something that was ‘safe’ something that everyone else was doing. He was told not to think from his heart – because the real world doesn’t think from the heart.

He was forced to take up a job he didn’t believe in, follow orders and do things his heart didn’t want to. Tolerate 20 hour work days, live his life burdened with stress, anger and hate. He had never been encouraged to learn about money and finance and now the only thing he longed was for his monthly pay cheque. He spent it on things that didn’t make him happy. He lived a life for others. He lived a life that wasn’t his own. He started drinking and smoking, trying to forget his life.

Had he just listened to his heart. Had he just followed what his innocent, pure, filled with creativity mind and heart had told him as a child. Wouldn’t life be life today? It still isn’t late for him. He can start living once again. He can be what the child in him wants to be.

He can once again laugh, smile and do things he loves. He can stop constantly thinking about buying things he doesn’t need, he can stop living for others, he can start enjoying things he really wants. He can stop worrying about money and finance, because he has made the right decisions and if financially independent. He doesn’t have to be scared of anybody because he owes them anything. He lives free. He lives happy. He simplifies everything and isn’t afraid to make mistakes. He is finally living life.

He just has to dare. He just has to embrace a new way of life and thinking. That is what being a Happionaire is about. I welcome the world to being Happionaires!

Keep smiling and having fun!

Lots of Love,

Yogesh Chabria

Happionaire

No Intelligence - Failure!

2011-07-14T13:18:00.009+05:30

When somebody doesn't do their duty over and over again in an office - what happens to them? They get fired. When a businessman doesn't perform and do his work, what happens? His company goes into losses and he goes bankrupt.

But what happens when our government doesn't offer basic security to its citizens? Over and over again, we accept a government that doesn't care about the security of its citizens. It is very sad that over and over again our fellow brothers and sisters are blown up because of a lack of security. It makes me very upset, when I see people talking about how 'strong' and 'resilient' Mumbai is. It isn't - ask the families who have lost loved ones. Ask people who have lost their hands and legs in terrorist attacks. People go to work the next day - because work is part of our life - but that doesn't mean anything. It doesn't mean we are immune to terrorist attacks. Yes, they are winning the war by killing our people. Till we don't accept their is a problem, how are we going to solve it?

Any politician who feels that there isn't a problem - should think about how they would feel if their wife, children or loved ones were at Dadar or Zaveri Bazaar when the blasts took place. Just because they live in gated communities with Z-Plus security - it doesn't mean everything is alright. If they feel security is so good, they too should get rid of their security troops and police cars following them. Why don't they?

According to any religion - it is a greater sin to tolerate evil than to do evil on others. God doesn't want his children to be scare and afraid of evil, He wants us to fight it. When we are quiet about terrorist attacks and pretend it is nothing - it is a big sin. To be honest I don't care if the next day the Sensex/NIFTY bounce up or down after a terrorist attack- if human life has no value. What is the use of wealth - if you can't enjoy it with your loved ones?

What has our government learned since 26/11? Why are terrorists like ajmal kassab and afzal guru still alive? It is high time India stops being a soft state. I'm sure, that today if any ordinary citizen was given power to rule this country for even a single day he or she would first ensure that terrorists and terrorism is destroyed. Throughout history a ruler, needs to first ensure security and safety of citizens. If the ruler doesn't, people take things in their own hands. The ruler is removed - and the enemy is destroyed.

I don't care about politicians or politics. But in this hour, our politicians should rise up to be leaders. If they can't still realize that I think each one of them should be fired. We at the moment are a country of NO Intelligence - only FAILURE. Instead our politicians are saying there was no intelligence failure.

Let us all keep our eyes and ears open to people who we feel are suspicious. If you think someone is a potential terrorist do not hesitate even for a moment to call your local police. I have done this in the past and noticed that the police force indeed does respond quickly. Also ensure you keep your eyes and ears open to people who support terrorists even in ideology. You never know what their motives are, complain about them immediately. Even if the opposite person isn't a terrorist at least you have done your duty. It is better to be safe and sorry.

God has given us a mind in order to use it.

Let us pray to those who lost their lives. May God bless their souls and may the Almighty give strength to their families and loves ones.

Yogesh Chabria

The Valuations of Trust

2011-07-05T14:28:00.007+05:30

Over the past few weeks, I have been doing very interesting research in the real world. I'm surprised how much little work has been done in the world of finance and investing by conventional academics. When it comes to investing, a lot of things go into it. But one very important thing, most conventional academics forget to point out is the value of trust. Investing has a lot to do with trust. If you trust a company - at some level, only then will you proceed to invest. You work with people - only when you at some level trust them. You hire someone only when you trust them and you work for your company only because you trust them to pay you and take good care of you.

Trust is one of the most important 'assets' in the modern day world. It is usually the basis on which business is done. Now overtime, I have realize that Trust also helps increase valuations, sales and enhances productivity. If a company has the asset of trust, people will it money for their future ventures, they will its causes and will buy its ideology. In spite of this I find it shocking how so many people are willing to sacrifice this wonderful asset for a quick buck?

In a world where more and more scams are being unveiled, corruption is rising - trust becomes a even more important asset. I know of a lot of companies and individuals, who charges almost 50% more than their peers just because of the trust they enjoy. Companies that have this advantage are a real cash cow, because long term trust can't be created with the help of advertising or PR - but needs to be created from the ground level. It is a great competitive advantage.

For instance a particular local developer in Khar-Bandra, Mumbai has built such a reputation over the past three decades, that enables him to easily charge a premium of 25% for a similar product. For a property priced at Rs. 6 cr., a 25% increase in margin compared to competition works out to be a very large amount. He has not spent a single rupee on branding or billboard marketing, just worked to create trust amongst the local community by being honest to his word. Even a large national developer with a big budget for advertising would not be able to do this with a local community. These are the type of businesses, which make sense investing in.

Surprisingly on the stock market a few big names that enjoyed trust, have done a few things to spoil that trust. I'm sure all of you know which names I am talking about. But I do see a few new businesses, emerging that are going to stick to their moto of doing no evil.

I would love to hear from you - which business models you think have an extra competitive advantage of 'trust'?

Also Quantum Dynamics, has been lovely as always and organized a day long program on Happionaire Investing in Mumbai. It's at the Bombay Gymkhana on Saturday, 16th July 2011 from 10 to 5:30. To register contact Neha – +91 9971346274 or - Mahesh- +91 9920846517 or e-mail at info@qudyn.com . (Thanks to Jasmine for pointing out the typo and her sense of humour!)

I do hope to see all Happionaires from Mumbai. It should be good fun sharing ideas and looking into the future of investing! I'm sure all those who attended our last session in Delhi will agree on that. Specially after what happened to Petrol prices since then.

Have fun and happy investing!
Yogesh Chabria
Happionaire

The Best Alternative Energy Investment To Petrol

2011-05-31T00:24:00.005+05:30

Let me ask you a simple question - what would you do if prices of a certain product kept rising? Let us say prices of red apples kept rising? They doubled and tripled - while a small minority will continue to buy red apples, the masses will stop buying it and will look for an alternative - maybe they will not start buying green apples. One very interesting part of the investing world is what I call the concept of "Replacement Investments" - these are things that have the power to replace something else. So when the e-mail came to power - it might have been an excellent replacement for the local post. Now I feel we have an excellent Replacement Investment opportunity.

Petrol prices have been rising constantly. In fact petrol would have been one of the best investment someone could have made in the past year - with several price hikes. While there were ways people could and still can benefit from these rises - another interesting question comes to my mind, what happens when petrol prices become too expensive? What is the best alternative fuel one can invest in that will help create investor wealth.

Being an investor, is a mix of being a psychologist and being someone who can predict trends and the way masses will behave to being a philosopher who can use what spirituality has to teach us. The theory of Karma which teaches us about what we sow, so shall we reap fits beautifully in the world of investing. It is one of the most exciting areas of human life. The rising petrol prices in India will automatically cause millions and billions of people to move to this alternative energy source and a few companies will benefit immensely from this new demand.

Demand for this energy source will rapidly grow in the coming few years, and the company I have started investing in will be one of the beneficiaries of this demand. The same way with the Pest affected company, this investment too is based on a few simple facts about the way people will behave when it comes to energy. On one hand people will continue to pay higher prices - but at the other hand they will constantly try to come up with new ways to reduce these costs. While with the first option - with the Pest ridden company, we are benefiting from price rises, with the company I am sharing now, we are securing the future post that in terms of new alternate energies.

While I am sharing one company from this sector, I feel the entire sector has immense potential. In the future we could see it emerging as a large scale sector that tributes to India's energy needs with almost every major business group trying to enter it.

Like all our other reports, this too is educational in nature and I will discourage anyone who has a short term view from reading it. Also anyone who has a purely academic view is advised not to purchase it, because like all our other reports, this too comes from the practical point of view of an investor. It is simple and easy to understand, because that is how I like to invest.

You can e-mail Karan at info@happionaire.com to find out how you can access this report on The Best Alternative Energy Investment To Petrol.

Happy investing and learning!

Yogesh Chabria
Happionaire

What Are The Inner Secrets of Finance?

The Inner Secrets of Finance

2011-05-20T22:05:00.007+05:30

There is nothing on the planet as interesting as the inside world of the way finance and global power works. Behind every war, politician, country, Independence movement, terrorist attacks or even the world wars - finance plays a major role. It is just that most people are never taught or encouraged to learn about the way things work inside the world of finance. But whoever enters the inner world of the way finance works, and meet people on the inside, you will discover that it is way beyond thinking about which Mutual Fund to invest in and which Insurance plan to select.

Look at India - have you ever thought how we were colonized? We as Happionaires are supposed to think about everything around us, because that is how we learn. India itself was not colonized by troops and armies entering our country - there was hardly any bloodshed or military takeover, it was simply with the power of finance, The East India Company that was backed by traders and financiers colonized an entire nation. A handful of financiers have the power to rule over millions of people.

Even today nothing much has changed, the financial class still control almost everything around us, while the masses are forced to follow the rules of a conventional educational system that in no way encourages the mind to think.

Over time, I love hearing from people who have thought about events happening in the world. When currencies are being devalued, all those who think and invest in gold made and are still making money. Similarly now as we see real estate companies facing a cash crunch, there is an excellent opportunity emerging. I personally am looking at this company, which will benefit from higher interest rates and the lack of cash available to developers who have already taken heavy debt. Of course this company is much more riskier, than the one affected by pests, and thus I don't feel like really sharing it. It is one of those personal passions and likings. Investments made largely on a guy feeling and intuition first and then backed by reasoning and logic.

Of course analysts have been bashing this company, but most likely that is a good sign. I find it quite amusing and nice, when I see what 'analysts' share reports. These were the same guys, who caused the fiasco with CDOs and Sub-Prime toxic investments and the same guys who told everyone to stay away from Indian Hotels, during the terrorist attacks and the same guys who told everyone to be careful when the Sensex was at 9,000 levels. It isn't their fault, when you are in the formal space of finance and investing, you are constantly under pressure. You can't think freely.

Small children are much more intelligent than rigorously trained MBAs - because they are open to new thoughts and ideas. I have always experienced that the best investors and businesses are headed by people, who are like children, free and open to new ideas.

Today pick up the newspaper, the financial newspaper, and read any headline - I can assure you that there is a back story to it, which people on the inside don't want you to know. So when you read an article about how you should invest in a safe "SIP" in a "Mutual Fund" you should start thinking if the article was sponsored by somebody who runs a Mutual Fund? Do the rich really follow a robotic SIP? Or do they look for opportunities and make the most when times are bad and valuations are cheap?

Would you have made more money, had you picked up size able amounts of investments during the Crash or had you done an SIP and even bought at the peak? I find it hilarious that even today in a world, where supposedly information is freely available, there is such a large gap between the haves and have-nots. And in today's world it isn't just about money, but knowledge.
The good thing is those who have a burning desire, can get on the inside - but then again what percentage of people really have the burning desire to do so?

There is a joke, which actually calls SIPs- Suicide by Investing Patiently. The ones on the inside of the financial system don't speak about SIPs - but speak about capitalizing on opportunities when valuations are cheap, when there is widespread fear and distress amongst the masses, the use it as an opportunity. The ones on the inside, know that there is a lot more to what is happening between the US Dollar and the EU and what the IMF has to do with it. When we meet in person, I shall share more on these things. To understand the depths of this, it is important to meet.

Close your eyes for a moment - and just think with a cool mind, what is happening around you, sit in a nice cool, peaceful environment, maybe near the sea or in the midst of trees and flowers, and let your mind flow and thoughts flow. Feel the positive and diving energy filling you as you take in deep breaths and over time you will realize investment ideas coming to you. Not just on investing, but life, thoughts that have the power to change your future.

Will give all of you something to think about: As petrol prices rise, I suggest all of you start looking at an alternative...this alternative will create a lot of new wealth.

Keep smiling and happy investing!
Yogesh Chabria
Happionare

A Fall Of 99% In SBI Is Good!

2011-05-18T13:42:00.006+05:30

State Bank of India declared results recently where profits fell 99%. Now most analysts, brokerages and investment houses will look at the negative side of the results and criticize the bank. I personally do not hold any stake in the bank. When SBI's profits fall 99% - everyone looks at SBI, but I find it surprising how very few people try to read the signs behind the apparent.

But when I look at the results, I feel we as Happionaires can learn something else from these results. If we see the results up close we will realize that the profits have been reduced, because the bank has made provisions for bad-debts or Non-Performing Assets. Basically the business of a bank is very simple, all these complicated words invented by people in black suits makes common people a bit hesitant to understand how things work. A bank simply borrows money from people by giving them 8% and lends it out at higher rate of 14%. A Non-Performing Asset is a loan given out, but not returned and earning no interest for the bank.

So SBI, the bank has given out thousands of crores loans, out of which there seem to be a sizable amount of loans which are non-performing or debts gone bad or are unlikely to be recovered.

When we look closer, we should try and understand to which sectors these loans have gone to, because based on that we can expect a large scale turmoil to come in those sectors. Finance and money are the life blood of any business. When finance dries up, the business crumbles.

In fact not just a business, but even an individual, country or continent survive and thrive when they are well financed. I had shared this idea, in our first book - Invest The Happionaire Way, and I feel this will be a timeless idea for centuries and millennium to come.

Money is not the root cause of all evil, but a lack of money that is a root cause of all evil.

Now look at SBI - a sizable part of the NPAs are coming in from the Real Estate sector. This means that debts and loans given out to real estate companies as well as individuals who have taken loans to buy real estate can turn into a high risk group and default.

When these defaults happen, I think it will be an excellent opportunity to learn and act upon. On one end, we can learn that heavy debt always is like a sharp hanging sword for a business or individual - that can injure anyone when a sharp wind blows. We can learn that bubbles grow for much longer periods of times, than we can remain rational. On the other hand, when large scale defaults are happening - there will be a good chance for value picking in the physical world real estate - usually for such internal financial events and readings to reflect in the real world take at least 6 months.

All those who have been a part of our family, would have seen how Gold prices have been constantly rising as countries print notes. Similarly when debt and interest rates tighten, real estate prices correct.

Also let me congratulate all those who were able to guess the company The Chameleon has been investing in. It makes me very happy to see people trying and being inquisitive and using their minds to gain knowledge that will help them invest better.

Happy investing!

Yogesh Chabria
Happionaire

The Chameleon Has Been Investing In Oranges and Ending Terror

2011-05-05T12:38:00.008+05:30

Long time followers of the Happionaire Way, will be very well aware of the Chameleon investor and how he was buying stocks during the global crash as well as investing in gold. In the past year or two, he had slowed down his investments, but now once again he is making moves - I like knowing where he is headed, because a lot of smart money follows him. I love sharing ideas with him - and what is wonderful is that he too has started investing in the company that was attacked by pests.

Gradually of course the effect of these pests is coming out, because the Indian government will start using pesticides. In fact there should be a large usage of pesticides on 10th May 2011 that will further help these oranges bloom. To be honest, I have never been so excited about a company in the past 10 year - because it is one of those opportunities. The fact that the markets have started correcting, but instead this orange has just started blooming clearly is guiding this orange to bloom.

On a global level, these pests are still not completely eradicated - Libya still has this undesirable pest - of course with Osama, the devil on earth, being neutralized we can hope that more pests are eliminated. I pray to the Divine Force that the mis-guided groups of people in Pakistan as well as other parts of the world, mourning the death of Osama and considering him a martyr are blessed with sumathi. The power to decide what is right and what is wrong, the intelligence to do what is good and right is the best blessing anyone can ask for as a Happionaire.

These people are all brainwashed and I would love to gift each one of them a copy of the Geeta and ask them to fill their hearts with love instead of hate. If they are supporting Osama - they are presently all on the side of the Kauravas, fighting for evil. When the heart if filled with love for the Divine, you realize that this world needs more love and understanding and not hate.

The long term solution for terrorism is not sending forces to Pakistan or Afghanistan, but enlightneing them with knowledge. A copy of the Geeta in the hands of everyone in Pakistan will have more power than dropping bombs on them. You can not wipe out an entire population of millions of people, can you? At the same time, we should not be foolish and ensure our security is increased. We shouldn't allow anyone to preach extremist ideas in our societies and be vigilante of anyone supporting such views.

We should stop being apologetic and pacifists with people who have committed acts of terror. Even Lord Krishna told Arjuna - to forget who is in front - irrespective of whether they are uncles or cousins, but to fight for what is right. Those who have done wrong, need to be punished. Terrorists like Ajmal Kasab and Dawood Ibrahim which have been funded and supported by Pakistan need to be punished immediately.

I hope the global movement and uprising against all evil becomes stronger - because at the end of the day, all the wealth has no meaning without safety, love, peace and above all the religion of humanity.

Yogesh Chabria
Happionaire

Now everyone across the world can register with Quantum Dynamics for programs in financial literacy the Happionaire Way!

No Silver Lining in Mr. Buffett's pocket?

No Silver Lining in Mr. Buffett's Pocket?

2011-04-26T21:50:00.006+05:30

I got an e-mail from someone accusing me of bashing Warren Buffett's views and how I should think before I speak. I first need to say that I have great respect for everyone who invests and he has been one of them - but at the same time I feel each one of us should use our own brain, a unique gift from God. You shouldn't blindly follow me either, because that isn't what being a Happionaire investor is about. It is about encouraging you to think for yourself.

Now his views on Gold and Silver are not something which have worked well with me - specially since I feel as Indians, we can learn a lot from our ancient culture and civilization. As a Hindu, it has been a custom for us to buy gold on auspicious occasions - it has been a custom to have silver coins with the images of Goddess Laxmi during Puja.

While people might talk about all sorts of derivatives and computers managing money, I still trust out traditional ways. Modernity mixed with traditions is what I see a future India as. Our ancient civilization has immense power and knowledge and every time we look at it we will see that it has so many wonderful lessons for investors. The Geeta for instance is a million times better for a potential investor to learn from than any other book. Now we all know what has happened to Gold prices - and let me tell you there is still a lot of upside left.

There was a time when silver used to be one tenth the price of what it is today, or even less. In those days if you recall Berkshire Hathway had taken positions of silver - very very very large positions. Today had they held on to it, a little over ten years, it would have been easily worth several billion dollars. In fact it would have ensured that it was the best investments of the decade for them. ( http://seekingalpha.com/instablog/399221-graham-and-dodd-investor/4920-warren-buffett-s-mistake-with-silver )

While today Silver at over Rs. 70,000 has rewarded investors very well, I feel they can gradually start moving to other assets. The run has been beautiful and anyone who held one would be rewarded well. But I feel now gradually it is time to start moving into gold and also the company we had shared earlier infected by pests. The price has been rising steadily - but that is just the beginning of what to expect. Same with gold, lots of potential ahead.

People around have been talking a lot about new regulations and laws to curb correction, but people fail to realize that corruption is reducing over time in our daily lives. It is just that these days we have 24 x 7 news channels. Look at your daily life twenty years ago - right from getting a phone connection to a passport to getting your light meter fixed you had to bribe someone. On the airport you had to bribe officials and customs - today things are changing and corruption is reducing.

Look at the positives and you will be much happier. At the end of the day - people who succeed aren't cynics, but people who look at the positive and grab opportunities. Ten years ago silver would have created a beautiful silver lining in your pocket. Now it is time to get your pockets lined with some Gold and the pest-stricken company. Why I am saying to look at this company carefully is because it is once again one of those cases, like when in 2008 I was telling you to look at the stock markets or when in Cash The Crash I shared my experiences about Indian Hotels, or a few years ago when I was telling you about Gold or silver. I know almost all of you have read the report, but still a few are hesitant to take action - just out of fear. In life we achieve only when we conquer our fears - we might be wrong or right, but the beauty is when we look back we will not regret anything.

Start a new hobby, exercise, speak to random people around you, make new friends, laugh and share ideas. It is beautiful.

Have a wonderful day ahead and keep having fun!

Yogesh Chabria
Happionaire

The Story of Why Gold Will Rise More

The Story of Why Gold Will Rise More

2011-04-20T12:58:00.005+05:30

Before I share a small story on Gold to help simplify the logic behind our view on investing in gold ever since it was Rs. 12,000 I want to inform all Happionaires that the wonderful people at Quantum Dynamics (www.qudyn.com) have finally launched their site and are ready for registrations. All those who would want to interact more and share ideas, network, learn about investing and creating wealth can contact Ms. Neha on +91 9971346274. For all those of you who are in New Delhi do ensure you share it with friends, family and loved ones. Other cities will be visited soon!

Even today I get several e-mails from fellow Happionaires asking me if it is still the right time to buy Gold (and Silver). And why I still feel it is good to buy Gold. I used to get it even at Rs. 16,000, even at Rs. 18,000 and even now.

Let us say you are a country. Let us make it even more interesting, you have been the msot powerful country on the planet for the past 30 years. Everybody trusts you and keeps keeping their entire wealth in your country. People have kept their gold in your lockers, because they trust you. People use the money you print for everything they do. Other countries respect you and listen to whatever you say.

Now you start enjoying yourself and spending left and right. You after all are a country who everybody trusts and gives money to. But the beauty is that, they trust you so much that all the money they have is kept in the notes you print. So you borrow money from the Chinese - but even the money you borrow is the same money printed by you, because the Chinese have kept almost all their savings in your money. You have printed so much money and almost the entire world has been using this money.

Your money became so powerful, that people for sometime even forgot about "God's money" which had been used since ages and millenniums. So for a few decades, people started using your money as the 'gold standard' anywhere in the world it was acceptable and of value. But now overtime you kept printing more and more notes, to solve your own hunger and greed.

Every time you ran out of money or couldn't pay back someone, all you did was print more notes. Imagine if you could just print a note on your home printer and give it someone. After a time, there were so many notes all over the world that people started realizing that these notes are not really worth that much. With so much supply coming in, demand started looking small.

Imagine what would happen to gold prices if everybody had 100 kgs - of gold in their home - would gold prices go up or down? Obviously they would go down - this of course is not likely anytime soon. But this will soon happen to these notes which your print.

A few people including Mr. Warren Buffett have a negative view on gold. Yes they do, but then even I would, if I was one of the most powerful people in this powerful country. If I could print my own notes on my printer, why would I want gold to become the standard? Wouldn't it be more fun for me to just print my money and buy whatever I want in the world? It is okay if others have to pay the price of high inflation and devalued paper in the future.

The problem is that the new 'sophisticated' generation doesn't like to think in simple terms. They are constantly looking for 'electronic' 'sophisticated' products. I am sure all those who have been followers of the Happionaire Way will today look back and see how simple it was to buy a few gold 'biscuits' and 'coins' and simply keep them in the locker and watch prices to appreciate. No need to speculate, trade or worry about anything.

While I started investing in the stock market, I would always want to invest in something that will give me good returns - I don't believe we should emotionally get attached to any asset class.

Now what happens to this powerful country - when suddenly everybody realizes, that these paper notes printed are losing value? What happens when the world suddenly realizes - "Hey we need more of God's money - it is really scarce." People will rush to it and when prices really shoot up, I will be the first person to sell.

This is how simple the story of Gold is. Simple villagers in India are buying, while I find it unfortunate that the 'sophisticated' people invest worthless ULIPS marketed by people in fancy suits. As a Happionaires don't think about complicated things, to create wealth - simplicity is more than enough.

Happy Investing!
Yogesh Chabria
Happionaire

Hope none of you are Stingy Investors!

Don't Be A Stingy Investor

2011-04-12T21:57:00.004+05:30

On 23rd February 2011 for the first time we had shared a value research report with fellow Happionaires, after 2009, on a particular company that has immense future potential and the prices are down temporarily due to certain problems in Libya. (Invest In Oranges When Pests Attack) Now this company might have gone up 10% since then - but does that mean we should stop investing in it?

When it comes to investing there is a small story which I will share. It will help us learn a lot about situations like above.

Once there was a man who lived in a small village, he wanted to buy a small piece of farmland to grow some vegetables and fruits on. He first started looking and a wise village elder, showed him a small piece of land that the seller wanted to sell for 100 gold coins.

This man, liked the land, but like all of us wanted a better deal, so he started negotiating - he wanted it for 90 gold coins. Finally after a lot of negotiations, seeing he was a genuine buyer, the owner agreed to sell the land for 90 gold coins. Now instead of buying the land for 90, this man decided to negotiate even more and started saying that he now wants to buy the land for 80 gold coins because he feels the soil is not all that good. In the end the seller and buyer couldn't reach and agreement and he was unable to buy the land.

The owner for a fact knew that in the long run this land would have given him very good yield and appreciation - yet he was being stingy. After a year, he still didn't have any land and after a year the price was 120 gold coins. Now once again - should he buy or not? If he wants farmland and that is pretty much the market rate - and he knows he can make good returns, should he lose out on time?

How many time the same thing has happened with so many people around us - irrespective of whether it is investing in stocks, real estate or commodities? People think that they will get it cheaper - by 5 or 10% only, without thinking about the long term. We all have a tendency to be this way, but as a Happionaire investor I have learnt that it never helps to be a stingy investory. We might think we are saving 5 or 10% but in the long run, we miss out on the growth. If we know an investment has the potential to reward us 100 -200% - what difference does 10-15% make here and there?

I would be interested in knowing experiences of fellow Happionaires too - when it comes to being stingy investors. We have all been this way at some point of our lives, but thankfully we learn. Don't look only at the monetary cost, but also the opportunity cost in terms of time. As they say today is the first day of the rest of your wonderful life - so do what you have always desired to do, rather than worrying about what might or might not happen.

Have been busy with a lot of interesting stuff. Can't share it all yet - but will share soon. The world of investing keeps getting more and more exciting.

Keep your eyes on silver and gold prices, and if you still haven't invested - it still isn't late. Lots of internal battles going on between international funds, banks and people holding physical gold and silver.

Happy investing!

Yogesh Chabria
Happionaire

What The Indian Cricket Team Can Teach The Nation

2011-04-03T23:29:00.004+05:30

I'm sure each and every one of you would have seen the epic battle between Sri Lanka and India. For all of us it wasn't just a Cricket World Cup Final, but truly a once in a lifetime moment. It was one of the most amazing matches I have seen and to be honest, we can all learn a lot from the match. As Happionaires I have always believed we can all learn from everything around us, learning is never restricted to reading a book or studying some annual report.

The Indian cricket team can teach something very important to the entire nation, right from a student preparing for exams to someone setting up a new industry to a politician going into election. At a certain point of the match - almost the entire nation had given up hope of victory. After India lost two wickets, of Sachin Tendulkar and Sehwag within a few overs, everybody was silent and thought India was destined to lose the World Cup final. Specially after Sri Lanka had made a challenging 275 runs.

Everyone around me too was constantly critical and saying "India always loses under pressure" and "No sense watching the match - India will lose" - but somehow I kept telling them that we should never give up hope till the end and keep trying. A battle isn't over - till it is over. I'm happy that our Indian cricket team who went on to win the World Cup of 2011 knew this and didn't give up hope, they kept going and going and going - until sweet victory was theirs. Imagine the pressure they must have been in, over 1.2 billion people all putting their hopes on them, cheering and howling, praying and crying.

So many times in our lives we are faced with moments, when we feel things are not going our way. We keep trying - but we still don't seem to get what we want. The next time you think about why a particular job is not being done or you are still not succeeding at something, pause to think once again and don't give up up. That is when we need to think about the mach that happened on 2nd April 2011 and we will realize that life and victory always goes to those who don't give up and put in their sweat and passion. After all the ups and downs of the match, finally they made a nation filled with smiles.

I think victory is always sweeter when we try hard to get it. A child whose family never had a car, will enjoy the feeling of owning a car when he works hard for it much more than a child who was blessed with a silver spoon.

The Indian cricket team can teach a nation, that we as Indians can work together as a team. We can have a positive attitude. We can achieve what we want to. We can win act under immense pressure. We can be the best of the world. We can be champions. We can be what nobody imagined us to be and achieve whatever we set our eyes on.

As always proud to be an Indian and may God bless everyone.

Jai Hind!

Yogesh Chabria
Happionaire

Have you started dreaming more?

We Need To Start Dreaming More

2011-03-23T23:40:00.008+05:30

What I am writing here I feel is something very important. It is something that has shaped my life, as well as the lives of several other people who have gone on to do something. Over they years, I have seen how every since I was a child people around me constantly discouraged dreamers. When I started investing I was only sixteen and barely had Rs. 750. All this because I had a simple dream.

Children who said they wanted to be doctors or engineers or lawyers, were always given a pat on the back by elders and teachers, while if anyone dared to say that I want to be a millionaire or an actor or bestselling author was usually discouraged. They were told only one a million became that and it would be 'safer' to not think on those lines.

If we want India to become a superpower, we need to encourage people to dream and not be restricted by formal academics and conventional learning. Imagine what would have happened to our country if people like Shah Rukh Khan had listened to the conventional school of thought. What would have happened if Rakesh Jhunjhunwalah had not decided to become an investor? Our nation would be poorer, not just in terms of wealth and global power, but also diversity.

If you dream of being a doctor and curing diseases as a child, my love and support is there for you. May you become the best doctor, but don't become a doctor just because it is supposed to be a 'safe' career option and you will make money. In today's India creating wealth is becoming easier and easier for all those people who are powered with knowledge, and that makes it easier for you to follow your passion.

I think the biggest mistake people make is that at some point or the other they give up dreaming. They got caught up in what everyone around them is telling, they let their past failures stop them from thinking about the future and they let the world around them dictate their future, in the midst of all this they stop dreaming.

Our country needs more dreamers than ever today. We need people to dream and envision what the future will be like, the most successful investors aren't people with fancy degrees from fancy institutes or people with IQs and people good at accounts and maths - they are simply dreamers.

I too have a dream for this nation and I dream that one day each and every Indian will be financially empowered. Each and every Indian will have the knowledge to create wealth and use this wealth for the betterment of India. I dream of an India where wealth goes on to create a better nation and a better life. I dream of a nation where people look at each other with love and happiness in their heart, rather than ego and arrogance. I dream of a nation where humbleness, helpfulness and smiling becomes natural to our existence. I dream of a nation where everyone has a decent home and nice warm food on the table. I dream of a nation where corruption and hate are no longer existent - and to be honest something inside me tells me that this will be possible one day. I dream of a nation filled with Happionaires.

Today when I watch the media or read the newspapers, I realize that there is an urgent need for people to start envisioning and dreaming about the future. All the noise in the media somehow has stopped people from thinking and dreaming.

We all need to start dreaming much more! It will make us better investors as well as better people.

Keep smiling and may God bless all those dreams you have!
Yogesh Chabria
Happionaire

P.S: For all fellow Happionaires in Allahabad: I am going to be there for a talk at HOTEL MILAN Palace, Govind Tower, 4/2 Starchy Road, Civil Lines, Allahabad on the 26th of March at 10 in the morning. CNBC-NSE (National Stock Exchange) have organized an investor camp. Hope to see you!

Do you agree with our last post Japan Will Come Out Stronger

Japan Will Come Out Stronger

2011-03-15T21:21:00.002+05:30

I was in Delhi preparing our first financial institute and that is when I got to know about the earthquake and tsunami that hit Japan. It looked like a scene from a disaster movie when I saw it on the news. Waves washing away cars, planes and ships as if they were toys. For a few moments I was in shock.

Homes and lives being disrupted and destroyed. It makes us all realize that no matter how rich, successful or powerful we are - we are nothing in front of the forces of nature. We are nothing in front of the supreme and almighty powers that control this universe. it makes us realize that we need to constantly pray and ask for the blessings from the Divine Force. Everyone has a different name for that force, but at the end we all know it is one and the same,

My heart and prayers go out to all those who have been affected by this. It is sad when such things happen and while yes on the financial sector billions will be lost by insurance companies and now the risk of a nuclear meltdown looming, all I want to say is that Japan will come out of this crisis and will be much stronger.

The Japanese are wonderfully strong and hard working people. They were the only country that had cities wiped out because of nuclear bombs, but they came out of the second world war to become one of the strongest and fastest growing economies in the world. They became a developed nation, from being a developing country.

What will happen now is that trillions of Yen will be invested back into Japan to re-build the infrastructure and they will be prepared even better now. Japan in the past was a victim of regular earthquakes - what did they do? They re-invented their cities to make them earthquake proof - it is just that they were not prepared for a Tsunami - now they are. I suggest Indian - mainly architects, town planners and developers to learn from Japan and implement their strategies to ensure our infrastructure can withstand earthquakes.

The buying of Yens by the Japanese government will affect America the most, as the US dollars will be sold to invest back in Japan. I am sure that Japan will come out much stronger and believe it or not, it will see a revival in its economy. For over two decades the Japanese economy had not grown, real estate prices had not risen and the stock markets had been in limbo - all this will change now.

In the coming months, the world will go through a lot of financial chaos - but in the midst of this a lot of good will come out too. The problems in Libya and the rest of the Middle East, will eventually cause money to be attracted to India. While in th short term India will be affected by the global chaos, in the longer run things will be very good for anyone investing in value.

All those who invested in our last report, will agree with this sort of thinking. I am sure. I also thank all of you for the wonderfully positive feedback and to be honest it inspires me even more to hunt for value all around me.

It is great to see so many people interested and eager to register for our courses - but we need many more people to ensure that we can reach each and every Indian and help them benefit from the immense growth that is going to happen in this nation. I want each one of you to tell everyone you know about our institute and ensure they enroll for a course. In fact I am so confident that they will benefit if they implement what they learn, that in case someone doesn't I will personally return them the entire course fee. We will come to your city too, but first we should make sure we reach each and every person in Delhi.

Our Financial Institute is also looking for full time teachers in New Delhi to help spread our message of Happionaire investing along with Quantum Dynamics. This will be a paid position and to enroll please contact:

Anubha Singhania on +91 981 000 2407 or drop her an e-mail at anubha24_07@yahoo.co.in

Hope to see all of you soon!

Yogesh Chabria
Happionaire

Registrations Open For The Happionaire Delhi Institute!

2011-03-07T15:51:00.009+05:30

It has been very exciting getting things in place for our first Happionaire Financial Literacy Institute in association with Quantum Dynamics coming up in Delhi. Our institute will be unlike any other institute in the country, because it will look at learning, not from the point of view of getting a job or a degree, but from the sole point of view of enhancing practical knowledge. Practical knowledge that can be used in life. Practical knowledge that become a tool for you to use through life. A tool that can be passed on from family to family, from generation to generation.

So many people run after degreess that will give them jobs and a stamp on their head, failing to reazlie that when it comes to life, it isn't just about having a degree but having the knowledge to make the msot of all the wonderful opportunities available all around us. I'm no MBA nor do I have any formal degree in finance or investing, but that has never stopped me from doing what I truly desire. I want everyone to believe in themselves and realize that if you really dream - and work towards your dream, whatever you desire is possible. Life is the best teacher and we are constantly learning from it.

While, our focus if going to be on finance and investing, we are also going to look at business, entrepreneurship and life in totality. Investing is an integral part of life, you can't be a successful investor without being happy and satisfied with life at large. Believe it or not we will not have a fixed course content, because I believe that if life is so dynamic, how can knowledge imported be fixed? Everything is constantly changing and so will what we teach.

I also feel through our institute I will be able to connect better and meet more and more Happionaires. I am very excited and have a very good feeling about it. Just like our first book, Invest The Happionaire Way, I pray to God to ensure that we can help reach as many people as possible and help them make the most of every opportunity available. We will have Happionaire Teachers at the institute, but I personally will also come and share ideas on a regular basis. I'm sure I will learn a lot in the process to.

I from the bottom of my heart thank each one of you for making this possible. If it wasn't for all you lovely readers and supporters who constantly give me feedback and spread the word. I don't think this would have been possible. We still have a long way to go.....but I am happy that we are on the right path!

To pre-register for the course contact:

Akriti,
9871533461
Registration Office Address: 109, Rectangle One, District Center, Saket, Behind ITC Sheraton Hotel, New Delhi
Or e-mail: anubha24_07@yahoo.co.in

Do get friends and family along. I hope to see all of you! It is my personal gurantee that it will be one of the most enlightening and useful courses ever!

Also since it is our mission to reach as many people as possible, we had to do this - we have a brand new soft cover out of Invest The Happionaire Way. Do check it out here.

Happy investing!

Yogesh Chabria
Happionaire

Did you Invest In Oranges When Pests Attacked? Still Makes Sense To Invest!

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Invest In Oranges When Pests Attack

2011-02-23T17:33:00.003+05:30

Let us say you run a company that is in the business of buying oranges from farmers and selling it in retail. You have been buying a dozen oranges for Rs. 30 and sell them for Rs. 60. Suddenly, because of pests destroying most the orange crops, farmers are selling oranges for Rs. 60. So now you are buying oranges for Rs. 60.

The government in power feels oranges are very important for the nation, and a large part of the population will vote for them if orange prices are kept in control. Because of this the government has made it a law that no retailer can sell oranges for more than Rs. 60. You as a business can’t sell them at more than Rs. 60 even though that is your cost.

What if more pests attack the orange crop and the farmers sell oranges for Rs. 70 to you, but you are still forced to sell at Rs. 60?

What do you think would happen to your “orange company’s stock price’ in such a case? Almost for certain the stock price would fall dramatically – especially if the government has such restrictions in place.

But what very few people will forget is that – are the pest attacks permanent? Will the government always have such restrictions? In the long run it will be difficult to be in the orange business if the government has such restrictions.

Almost every investment or business will sometime or the other faces pests. And almost always these pests will affect the profitability of the company, but we need to ask ourselves as value investors – are these pests of a permanent nature? Or are these pests simply helping us discover value and invest in companies that will reward us with fruits for the long term? That is what every smart investor needs to study and decide.

Recently one such pest has helped a company become even more attractive for investment.

Over the recent years, many of my investments have been at the times of crisis, problems and challenges. My last successful investments were mainly made during the global economic crash of 2008/2009. I made one of them public during that time in my Happionaire’s Cash The Crash and am sure all those who followed it would have been rewarded handsomely, as that investment went on to give over 100% returns.

Now once again the world – particularly the Middle East and parts of north Africa are going through major political problems, with riots and political turmoil. Times are very challenging for people there and I hope there is peace soon. While most people are looking at the problems, I am someone who likes to look at things from all aspects, and in the midst of all this there are investment opportunities. I do understand that at such times it is hard to think about investing, to some it might seem heartless – but then that is how things work. Mittal picked up steel plants, when they were sick units making heavy losses and not at the peak of the boom.

People who are not from the world of investing and finance, fail to realize how everything in the modern day world is inter-linked. A riot in distant Libya can create opportunities for investors in India. Wealth created by these investors can lead to rise in asset prices back home in Bangalore, Mumbai or Delhi 3-4 years down the line.

The company I have been investing in has become even cheaper because of problems in Libya and pressure on Gaddafi. But this pest – Gaddafi, can be used to get more value for your investment.

I’m sharing this company I am investing in, from an educational point of view because it will be something to really learn from in the coming years. Like our last educational research reports (Cash Is King - Valu-Alu Buy), published way back in 2008/2009, this company too has similar potential to reward investors several fold. All those who read that report, would have seen the tremendous returns investors got over the past 2 years, but more important than that they could have used that knowledge to scout for similar opportunities.

Post the global recession and some incredible investing opportunities, we once again have something that will create immense wealth in the coming few years and more importantly will be talked about in hindsight. But as value investors it is our duty to get in first!

You can e-mail Karan at info@happionaire.com to find out how you can access the report. However, just like our past investments, you need to have a horizon of at least 2-3 years to fully benefit. Anyone with a short term view, is humbly advised not to purchase this report.

Happy investing and learning!

Yogesh Chabria
Happionaire

Our Delhi Center Is Getting Ready!

2011-02-16T22:02:00.005+05:30

Am headed for a holiday, but just wanted to inform all fellow Happionaires that our Delhi center in association with Quantum Dynamics is getting ready. There is a free get-together at our center on Friday, 18th Feb, 6:30 PM at 26, PVR Anupam Community Center 2nd Floor- Saket- New Delhi for all those who want to be a part of the Happionaire movement.

Am keeping this post small as I need to rush and pack my bags!

Do call Anubha on

9810002407

8800485388

or e-mail her at anubha24_07@yahoo.co.in and make sure you attend the meet!

Will be back soon.Have fun and keep smiling!

Yogesh Chabria
Happionaire