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

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

We Need Happionaire Teachers For Our First Institute In New Delhi!

2011-02-08T13:24:00.003+05:30

It has been a long and interesting journey; but it still seems like yesterday when I started investing without knowing anything and with barely any money. Along the way I got to learn from a lot of people and from my own mistakes. I don’t know if it is a good habit or a bad habit, but I have always loved speaking and learning from people I meet.

I have always believed that everyone has something to share and we can learn something new from them. In spite of the internet and modern information technology, the amount you can learn from meeting and interacting with real people is incredible.

Experiences are shared much better when we meet.

Some of the best things that have happened in my life have simply been because I like meeting and speaking to people. I haven’t really had any formal training or academic education in investing and some of my best investments have been made simply on the basis of meeting people as a part of this wonderful existence.

We are launching our first financial literacy institute in New Delhi with Quantum Dynamics and for that we are particularly looking for fellow Happionaires passionate about spreading knowledge and helping people become financially literate, while having fun, smiling and being happy.

We are particularly looking for Happionaire Teachers, who will be trained personally by me. The process is very selective and only the best and most passionate will be accepted. It has been an interesting experience working towards the institute and will be sharing it shortly.

All those who went out of their made a commitment of volunteering and happen to be in New Delhi (NCR) should immediately contact Anubha Singhania on +91 981 000 2407 or drop her an e-mail at anubha24_07@yahoo.co.in

Just thought will inform you all on this!

Yogesh Chabria
Happionaire

P.S.: I was studying Spain, it could be a major economic problem in 2011 for the EU. More on that later.

Lower Parel Is A Mini-Dubai and We Don't Care What Others Think

2011-01-09T01:17:00.005+05:30

It is beautiful to have so many fellow Happionaires wanting to volunteer from all over the world and sharing their experiences over the past years on this wonderful journey we have had. Our inbox has been flooded and we have got hundreds of people interested in volunteering. It proves our belief that generally people are good and desire to do something good. Most people just need to be given an opportunity to do something good, and they will. We want all those who have committed to being Happionaire volunteers by starting their volunteering work immediately! You are going to form a very important part of our movement. All those who have committed to be Knowledge Spreaders do share this message with each and every person you know.

In spite of so much love and support from everyone, I had one individual questioning our views on real estate way back at the peak of the crash. During the Crash, I had stuck my head out and said two major things:

The first that the Crash was a good time to go out and buy certain companies that had assets and the second was that I still believed that real estate was overpriced across most parts of the country and needed to correct.

I was blamed for having stuck my head out and dissuaded this person from buying property. According to this person, he missed the boat as property prices are higher today. He was looking to buy a property for personal use. What a few people fail to realize is that when I speak, I speak from the point of view of an investor and nothing else. I ask myself, “Where will my money work the hardest and do what I want it to do for me?”

During 2008, had you invested the same money in select companies, let us say an Indian Hotels which was even shared very publically in Cash The Crash and say alternatively invested the same in real estate anywhere in the country – ask yourself which would have given you better returns? With Indian hotels you would have easily made over 100%, with much less risk. I would request each one of you to look back and decide for yourself what is right and what is wrong.

Of course Indian Hotels was just a small example, there were many more and there will still be many more. Real estate is a great way to create wealth, no denying that, but you need to be aware about it. It isn’t as easy as just buying just because everyone around you is telling you to buy.

Even as a small child, I used to be interested in learning about money and investing. In those days there was a lot of talk of Japan and its rising power. The Japanese real estate bubble lasted for almost 4-5 years continuously, where at a time the real estate of just Tokyo city was worth several times the GDP of America. Today even after twenty years real estate prices have not risen in Japan.

Indian real estate is not the same as Japan, we still have a long way to go across smaller cities – but in select pockets like let us say a Lower Parel in Mumbai, we can surely see a mini-Dubai in the making. I am saying this because, I have no vested interest. We don’t have developers pasting full front page ads on our blog telling people they need to buy their real estate. A lot of people have wanted and still want to advertise on our blog, but that isn’t something we accept and we never will. Lower Parel was certainly a good buy, but ten years ago when prices were Rs. 2500 a sq ft and everyone had ignored it.

I knew Dubai real estate was a bubble four years before it actually burst. The thing is for a bubble to burst sometimes it can take a few months or sometimes even 4-5 years.

Unfortunately most common people who have not had experience with the practical world of finance and investing, fail to understand what really is happening. Today they panic when after a year or two they see prices being artificially inflated. They feel a sense of helplessness that forces them to take heavy loans and sacrifice their financial future and freedom.

Don’t worry about that small apartment, think about how you can grow your existing wealth so you can have what you truly desire without the burden of debt. Wait for the right time patiently and it will come. When the time is right, it will happen.

If you don’t agree with our message, you are free to leave the Happionaire way. We do not need people who are easily brainwashed by propaganda and can’t think independently for themselves. We want each and every person here to be here because they have an internal desire to be here. They have a voice inside them telling them that they should be here. But I know all those who leave and get carried away by propaganda, will look back five or ten years from today and most certainly come back.

Day traders, futures and options gamblers, currency and commodity speculators and all such people will realize sooner or later that the only person they are getting rich is the broker.

There are lots of things that are hidden from the masses today all over the world. When we meet, I shall share more about such things. The way the forces of Capitalism are working are very incredibly indeed.

Keep learning, having fun and smiling!

Yogesh Chabria

Happionaire

We Need You

We Need You!

2011-01-07T00:42:00.001+05:30

Once there was a small ant. Everyday the ant would gather a small piece of gravel and carry it along with it inside the forest. The other creatures in the forest would look at the ant and wonder what it was doing, some made fun of the any saying that the ant has nothing to do - everyday it comes and gathers a worthless piece of mud. The tiny ant was ridiculed by larger creatures who didn't understand what the ant was doing. But the ant paid no attention and continued doing what it was doing. There was no immediate gratification or result, but the ant continued working.

Then gradually from one ant, the numbers started to grow. From one to to two, then to ten and then hundreds of ants started coming. Each ant encouraged other ants to join it. All took just a single piece of gravel. Still the other creatures in the forest didn't realize what was happening. Until one day the creatures in forest discovered a very large, strong and secure hill that had been built gravel by gravel by the tiny ants. They hill protected them, provided them with food and helped them grow their any community. The ants all worked together towards a single goal - in the beginning nobody realized what was happening, until one day everyone discovered it. A lot of things in our life are also that way - provided we have a set mission and goal in life.

Little by little we are moving towards our goal.

This is the first post I am writing in 2011. As I write this I feel very optimistic about the coming year. 2011 is going to be a very important year for us, because something very important is going to happen.

The Happionaire movement has helped more and more people learn about investing and finance in a fun, simple and interesting way. It has helped people get excited and interested in the world of investing and wealth creation. But as I have always mentioned there are several billion people out there who need our message. We have still just touched the tip of the iceberg with our message.

We still have a lot more to do, if we don't want our nation to be fooled because of a lack of financial knowledge. The Citibank scam where people lost over Rs. 400 crores would not have happened, had our message reached them. People would not be investing in ULIPs at all if our message had reached all of them. People would not be blindly following 'hot' stock tips and investing in over priced real estate by taking excessive debt if our message had reached all of them.People would actually make use of any Crash that comes to make Cash and would start thinking for themselves.

For our message to reach each and every person on the planet, we need everyone to work together. We need to learn from the ants. You are amongst the lucky few who have made an effort to learn and invest in your finances, that is why from all the millions of pieces of information floating around the world you are reading this - but not everyone is aware that they need to be financially literate. Not everyone realizes the value of happiness, smiling, love and sharing for wealth creation. We need to reach out to all of them.

For that to happen, we need volunteers from all over the world. We need Happionaires with all sorts of skills to help us take our message ahead. The most important thing we need from you is a passion to share the message and help people discover a simpler way of investing and living. In the process you will definitely end up learning more, having fun but will derive immense satisfaction by sharing knowledge, ideas and giving back. There is immense pleasure in giving. As a member of the Happionaire family I call out to you from the bottom of my heart, to join us and help spread the message.

We need you. Now.

Yogesh Chabria
Happionaire

To volunteer e-mail us your details at info@happionaire.com

The Most Important Thing To Do In 2011

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The Most Important Thing To Do in 2011

2010-12-31T19:26:00.005+05:30

I came to India around ten years ago. A lot changed in the past ten years, on one hand ten years seems like a long time period. But on the other it seems extremely short. The India of 2000 was very different from the India of today. Things were just starting out. I remember the first coffee shop (Barista) opened their branch in Juhu and then Bandra. I remember hearing the brands Airtel for the first time. Airports used to have an extremely run-down set up and seemed very uun-inviting. There was no GMR or GVK running them.There wasn't any Spicejet, Indigo, Go Air or Kingfisher Airlines. We didn't have so many mobile companies and neither did we have a Big Bazzar or Pantaloons. Nobody knew about Rakesh Jhunjhunwala.

BMW hadn't officially entered India, nor had Audi or Volkswagen. There was no Blackberry either and people used to go to the cyber-cafe to surf the net. People used to visit travel agents to buy airline tickets.

I feel lucky that I came India in those days, because I somehow was amongst the lucky ones who could benefit from the economic growth that took place. I feel anyone involved with sectors like the stock market or real estate would have done very well, provided they had a long term belief in India. Anyone who invested in assets then would be happier today.

But at the same time, the income gaps have widened. Wealth has gone into the hands of a few, mainly people who owned businesses. Even though salaries have risen, asset prices have also risen. Inflation has risen and caused quite a few people to worry about how they can fight it.

We witnessed a major global economic meltdown, which honestly was one of the best times to create wealth - the returns made during that period were phenomenal. But once again, not many benefited from it.

The thing is, if you are constantly in a worried and depressed state you can not think clearly. You can not keep your mind open to new ideas and opportunities. That is the reason we as Happionaires stress the importance of smiling and being happy first - then automatically as if by magic all good will be attracted to you. People say we will be happy only after we are rich, we will be happy only after we grow our business or only after we get that special person to love or only after we get that promotion. They fail to realize that all they need to do is smile, keep a pure heart and be happy and thank God for whatever they have.

I have noticed that how a simple smile from the heart has the power to attract the most powerful of forces to you. Wealth likes to be in the company of positive energy and happiness. New ideas and opportunities like to be in the company of cheerful and enthusiastic people. When I look back into the last decade, I realize that people who created wealth weren't necessarily the ones who were the most educated or the ones with the largest amount of capital to invest - but people who were positive and optimistic about the future. On the other hand, I meet so many highly educated people who weren't able to benefit from the growth because of their lack of openness to new ideas.

I'm sure all of you must be remembering the bank manager and my college professor's I had gone to for advice on how to start investing, they still are in the same place they were ten years ago - doing the same thing. I do not blame them, the problem is that the conventional system has trained people to think that creating wealth is evil and not something they should do. So a child can think about becoming a doctor or lawyer or engineer, but if a child thinks about becoming rich he is evil or still worse teachers and parents tell him 'he can't do it'.

They advised me not to, I'm glad I didn't listen to them. People who create wealth have always done things that others don't. When I invested in India first, it was out of a sense of playfulness, enthusiasm and desire. Luckily for me, I don't have a habit of listening to people who tell me I can't do it. I didn't have lots of money, not did I have any specialized degree.

As we enter 2011, I take just one vow and that is to continue being a Happionaire. To continue being open to new ideas. To continue smiling and sharing my smiles. To continue making the most of life. To continue sharing knowledge and at the same time learning as much as I can from everyone around me. To continue believing that wealth can be enjoyed only when one has peace of mind, happiness and a sense of purpose in life. Being a Happionaire and spreading the Happionaire Way will be the most important thing to do in 2011.

I wish each one of you, from the bottom of my heart, a very Happy New Year and the journey with you has been wonderful and I want you to share this wonderful experience with your family, friends and loved ones.

Yogesh Chabria

Happionaire

Are You Aware Of The Banking Mafia?

2010-12-30T10:41:00.011+05:30

It was great meeting fellow Happionaires in Delhi sometime ago, while many were already a part of our group, quite a few were experiencing our ways for the first time. I was very happy to see entire families coming together and investing in their financial future. Lots of fellow Happionaires who weren't able to attend, have been asking what happened. A lot happened at the program and a simple blog post, will not be enough to share everything that happened. But looking at the enthusiasm of everybody and eagerness to learn, I have decided to take a vow and make sure I visit many more places across the world with our message. When I meet people I realize there is so much more to be done.

Once again countless number of people have been cheated of crores of rupees. This time at Citibank's India operations. One of their employees single handedly managed to dupe people of over Rs. 400 crores, including some of the wealthiest families such a the Munjal's of Hero Honda. A hundred million dollars siphoned out by the banking mafia.

Firstly it is very clear that a single person isn't involved in this sort of fraud - but a large part of the system. It is impossible that people on the inside of the bank didn't know what was happening for over a year, but they didn't react simply because it wasn't their own hard earned money at risk. It was somebody elses.

When people go to a bank, unfortunately they tend to trust a lot of things. They tend to believe that the fancy bank, large office space, well dressed employees, fancy titles and chairs all prove that the banker knows more about finance, money and investing then they do. They are told to invest in ULIPS and fancy investment linked to derivatives and quants. But the truth is that irrespective of who is in front of you, you shouldn't be afraid to question.

Get rid of your ego and feel free to tell them, you don't know what 'equity' is, nor do you know what 'debt' is. Probe deeper and you will then realize that not everything said by someone having a fancy educational degree is true. A part of the reason we had the global economic crisis in America was because people believed the financial sector blindly. People believed them because they didn't have any knoweldge about the way finance, money and investing works.

Firstly the people who lost their money, should be compensated by Citibank, if they don't will lose trust in them. But in the future, can we can not continue blaming a snake for biting and poisoning others. We can not blame a wolf for eating sheep. We can not blame a thief fro robbing our house if we haven't even bothered to put a lock. We need to take steps to protect our self interests. We need to make sure we are armed with knowedlge that will help us protect ourselves as well as our families from such people.

Today these members of the financial mafia, will greet you at your bank disguised as "Relationship Managers" or "Financial Advisors", the only relationship they want from you is to empty your pockets. The only advise they give is to invest in what benefits them.

To a few what I say might sound harsh and blunt, but sometimes the truth does sound that way.

What we see today is just the tip of the iceberg, if we don't take steps today, what we saw in America during the crash, is what will happen in India in the coming years. A large part of the middle class burdened with useless things, heavy in debt and having no inner peace, nor any sort of wealth. They will be spirirtually, morally and financially poor if steps are not taken today.

I will not tolerate such a thing and as fellow Happionaires, none of you should either. Today is the time for us to take action, to make sure everybody around us takes control of their financial future. The only way to battle such banksters is to be armed with financial knowledge - I once again am not talking about some academic knowledge of accounts, but knowledge from the practical world. Every time we share something it grows stronger. To stop such things from happening with our loved ones, friends and fellow world citizens I want each one of you to share this message with as many people as possible.

Change can start with a single person, but change can never spread with a single person. It needs you.

Keep smiling and happy investing!

Yogesh Chabria

Happionaire

P.S.: I have been encouraged by a lot of friends to use Twitter. To be honest, I have found it a bit confusing to use. I had used it sometime ago, but this year I have been told that I better get onto to it and post more often. Post me a message on twitter, I want to see how it works: http://twitter.com/happionaire

Did The Rise in Petrol Prices Benefit You?

2010-12-15T23:03:00.006+05:30

As predicted earlier, the petrols prices were raised and if international crude oil prices rise, petrol prices will continue to rise. This is a reality that everyone needs to realize. Today our government has lost lakhs of crores to various scams and they desperately need money. They are finding it more and more difficult to subsidize petrol and will make sure the common man bears the brunt of global rises in crude prices.

I'm sure all of you who must have paid attention would have seen the effect the rise in petrol prices had on people. On one hand, we had lots of people complaining about rising prices and how everything is becoming more and more expensive. Complaining how this price rise will further affect their monthly budgets as everything around them will become more and more costly. They are justified in doing so, because it is true prices are rising and people without the right knowledge will start feeling more and more helpless.

The problem is that most people haven't been taught about the practical side of finance and investing in school or college. So when petrol prices go up, they end up in panic mode, they rush to the petrol pump to fill as much petrol as they can. No wonder we have such long queues outside the pumps, just before a midnight price rise. It is okay to rush to the petrol pump and fill petrol a day before the price rise, but what about the long term? What will you do when after three years petrol is selling at Rs. 90 a liter? What will you do when it rises to Rs. 100?

Let us say it is fair to rise prices when global crude prices rise, but what happens when international crude prices fall? Will petrol prices come down? These are things that very few people think about, no wonder they miss out opportunities. The reality is that even today the capitalists control a large part of the world - but the good thing is that capitalism in the new world has moved towards knowledge. Today Mark Zuckerberg of Facebook has more power than someone owning hundreds of acres of land. Today Bill Gates has more capitalist power than someone manufacturing nuts and bolts. A hedge fund manager sitting with a laptop controls more money than a hundred managers running steel factories all over the world.

The world is changing and it is changing fast. All those who do not change, will lose a major opportunity and at the same time all those who detect opportunities in these changing times will benefit immensely.

The Happionaire Way of thinking still has to reach a lot more people all over the world, but what makes me smile is that a few people have started taking action. I had a small group of Happionaires thanking me for helping them invest in companies that benefited from this petrol price rise. Anyone who has followed these companies, would have realized how their stock prices went onto rise. I am glad these people benefited because, firstly they tried to learn more on their own, they invested time and effort into research and knowledge and secondly they had the courage to take action.

Now honestly think for yourself, did the rise in petrol prices benefit you? If it didn't, I want you to seriously start thinking about it!

Will see you all in Delhi this Saturday!

Yogesh Chabria

Happionaire

Are you going to benefit from this opportunity?