tag:blogger.com,1999:blog-4245052121812075005Sat, 07 Mar 2026 00:01:41 +0000Life SkillsManage MoneyFinancial FreedomIncome TaxDreamsMutual FundsBook LessonsStocksFrom Rat Race to Financial FreedomEquityHappiness UnlimitedLife InsuranceFixed DepositsProvident FundLoansCapital GainsFreedom SeekerMediaNon-life InsuranceKalpavrikshaParentingDream On StoryAutobiography of a StockBondsCommodityReal EstateNRITV Series Documentary LessonsVideoAudioBitcoinDream OnEconomyQuotesSmall Savings SchemesA Father's DiaryFoops!Guest PostsSeminarsThe Art of Saving MoneyDREAMS • FREEDOM • HAPPINESS • PARENTING • ENVIRONMENT <br> My work should help you elevate your life. <br> https://elevate-your-life.blogspot.com/noreply@blogger.com (Manoj Arora)Blogger597125en-usnoDREAMS • FREEDOM • HAPPINESS • PARENTING • ENVIRONMENT My work should help you elevate your life. DREAMS • FREEDOM • HAPPINESS • PARENTING • ENVIRONMENT My work should help you elevate your life. noreply@blogger.comtag:blogger.com,1999:blog-4245052121812075005.post-6132335406665456222Sat, 28 Feb 2026 05:09:00 +00002026-02-28T10:39:17.466+05:30Book Lessons&nbsp;A bold exploration of how technology is quietly rewriting the rules of money, debt, inflation, and the future of our global economy.Read on...The Price of Tomorrow by Jeff Booth challenges one of the deepest assumptions in modern economics - that inflation is normal and necessary for growth. Booth argues that technology, by its very nature, is deflationary. As innovation accelerates, it https://elevate-your-life.blogspot.com/2026/02/19-top-notch-learnings-from-book-price.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6621607945801843791Tue, 17 Feb 2026 10:23:00 +00002026-02-17T16:00:00.911+05:30Capital GainsMutual FundsWhat if I told you that even earning 0.75% to 1% higher returns for 10 straight years may still leave you poorer? Yes, you read it right. The real enemy is not lower returns - it is breaking tax compounding and creating a hidden Hurdle Rate for your investments.BackgroundMany investors feel proud when they identify a “better” mutual fund and switch.&nbsp;After all, improving returns from 15% to https://elevate-your-life.blogspot.com/2026/02/the-hurdle-rate-of-switching-investments.htmlnoreply@blogger.com (Manoj Arora)2tag:blogger.com,1999:blog-4245052121812075005.post-1565215758085235492Tue, 03 Feb 2026 17:18:00 +00002026-02-03T22:48:23.653+05:30Book Lessons&nbsp;&nbsp;Discover how to reprogram your biology and thinking and break the habit of being yourself so you can truly change your mind and life.Read on...Best-selling author, international speaker, chiropractor, and renowned researcher of epigenetics, quantum physics, and neuroscience, Dr. Joe Dispenza shares that you are not doomed by your genes and hardwired to be a certain way for the rest ofhttps://elevate-your-life.blogspot.com/2026/02/29-top-learnings-from-book-breaking.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-2986763516979580254Sat, 03 Jan 2026 13:21:00 +00002026-01-03T18:51:48.820+05:30BitcoinBook Lessons&nbsp;In this fascinating deep dive into the evolution of monetary systems around the globe, Nik Bhatia takes us into the origins of how money has evolved to function in a "layered" manner.Read on...Using gold as an example of this term, he traces the layers of this ancient currency from raw mined material to gold coins, and finally to bank-issued gold certificates.&nbsp;In a groundbreaking https://elevate-your-life.blogspot.com/2026/01/20-tremendous-lessons-from-book-layered.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6573873076606896795Tue, 09 Dec 2025 02:50:00 +00002025-12-09T08:22:33.166+05:30From Rat Race to Financial FreedomYour favorite financial freedom guide just got a massive upgrade.&nbsp;We just launched the 3rd edition of From the Rat Race to Financial Freedom.Packed with strategies, tools and insights you won’t find in any earlier version - be it Smarter tax hacks, Bitcoin as a new-age wealth tool, cyber-protection strategies and freedom-tracking systems and a&nbsp;sneak peek into my life ten years after https://elevate-your-life.blogspot.com/2025/12/from-rat-race-to-financial-freedom-3rd.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-1692565939528548216Sat, 29 Nov 2025 08:01:00 +00002025-12-08T21:35:25.389+05:30Book Lessons&nbsp;The book explores Agassi's journey from a financially disadvantaged upbringing to becoming a successful tennis player. It details his relationships, intense training regimen, which he initially resented. The book also describes his personal struggles; the effects of relationships, particularly with actress Brooke Shields and fellow tennis player Steffi Graf; and the transformative https://elevate-your-life.blogspot.com/2025/11/14-fabulous-lessons-from-book-open-by.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-610765816182368277Sat, 01 Nov 2025 12:22:00 +00002026-01-03T18:52:08.715+05:30BitcoinBook Lessons&nbsp;Broken Money explores the history of money through the lens of technology. Politics can affect things temporarily and locally, but technology is what drives things forward globally and permanently.Read on...From shells to gold, from papyrus bills of exchange to central banks, and from the invention of the telegraph to the creation of Bitcoin, Lyn Alden walks the reader through the emergencehttps://elevate-your-life.blogspot.com/2025/11/43-fabulous-lessons-from-book-broken.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6931081439579508770Mon, 27 Oct 2025 05:54:00 +00002025-10-28T11:08:00.818+05:30Mutual Funds[Last Update: 28-Oct-2025]PMS attracts big investors, but are they really beneficial over say, the evergreen mutual funds? PMS has its own takers but let us wade through the positives and negatives of both PMS and Mutual Funds.A/ IntroductionMany Indian investors, after achieving a decent corpus, are often lured by Portfolio Management Services (PMS) with promises of “exclusive strategies”, “https://elevate-your-life.blogspot.com/2025/10/pms-vs-mutual-funds-in-india.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6756876653921791422Thu, 25 Sep 2025 07:48:00 +00002026-01-03T18:52:47.186+05:30BitcoinBook LessonsWhile Bitcoin is an invention of the digital age, the problem it purports to solve is as old as human society itself: transferring value across time and space.Read on...The Bitcoin Standard analyzes the historical context to the rise of Bitcoin, the economic properties that have allowed it to grow quickly, and its likely economic, political, and social implications.Author Saifedean Ammous takes https://elevate-your-life.blogspot.com/2025/09/52-fabulous-lessons-from-book-bitcoin.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6410190990977756954Sun, 31 Aug 2025 12:32:00 +00002025-08-31T18:02:47.244+05:30Manage MoneyThe Art of Saving MoneyThe more we understand a subject, the simpler our approach gets. And as I breeze through a lot of content on personal finance, most of which is about investing and earning money, I was often tempted to the fact that so less has been talked about saving money. I now know why. Because I had to write a book on it.BackgroundEvery great journey begins with a single step. For financial freedom, that https://elevate-your-life.blogspot.com/2025/08/book-launch-signing-and-initial-reviews.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-131124405174093467Fri, 29 Aug 2025 04:24:00 +00002025-08-29T09:54:52.958+05:30Book LessonsSuccess is not doing thousands of things really well. Success is doing a very few things really well - thousands of times.It is your habits and consistency that will yield compounding results in your life.&nbsp;Read on...In 'The Compound Effect', Darren Hardy reveals the core principles that drive success and presents a distillation of the fundamental principles that have guided the most https://elevate-your-life.blogspot.com/2025/08/29-catchy-lessons-from-book-compound.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-8993158538824195635Mon, 28 Jul 2025 06:58:00 +00002025-07-28T12:28:11.808+05:30Book Lessons&nbsp;Charlie Munger was the long-serving vice-chairman of Berkshire Hathaway.This book brings together his investing thoughts beyond his famous statement "I have nothing to add."Read on...Munger propounds the 'Multiple Mental Models' approach to decision making. This collection of 'Big Ideas from Big Disciplines' contains an iconoclastic checklist for decision-making.The book is written in an https://elevate-your-life.blogspot.com/2025/07/38-thundering-lessons-from-book-poor.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-3026372063179205986Sun, 27 Jul 2025 02:58:00 +00002025-07-27T08:28:08.279+05:30Non-life InsuranceWhen you buy a health insurance policy, you might assume that you are covered from day one. But that’s not always true.&nbsp;Insurance companies apply a waiting period, and it is important that you understand the types of waiting periods.Background When you buy a health insurance policy, you might assume that you are covered from day one. But that’s not always true.Insurance companies apply a https://elevate-your-life.blogspot.com/2025/07/waiting-periods-in-health-insurance.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-5913065750893289434Tue, 01 Jul 2025 04:20:00 +00002025-07-01T09:51:32.462+05:30Book Lessons&nbsp;Building wealth and being happy are skills we can learn.So, what are these skills, and how do we learn them?&nbsp;What are the principles that should guide our efforts?Read on...Naval Ravikant is an entrepreneur, philosopher, and investor who has captivated the world with his principles for building wealth and creating long-term happiness.&nbsp;The Almanack of Naval Ravikant is a collectionhttps://elevate-your-life.blogspot.com/2025/07/43-fabulous-lessons-from-book-almanack.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6749943301120108853Sun, 22 Jun 2025 02:26:00 +00002025-06-22T07:56:27.326+05:30Debt can weigh down even the best of financial plans. Whether it is a personal loan, credit card balance, or consumer durable EMIs — debt quietly eats into your monthly income and future savings. Getting out of debt faster is not about earning a fortune — it is about using the right techniques and mindset. In this post, I will share&nbsp;five smart strategies&nbsp;— tailored for Indian readers —https://elevate-your-life.blogspot.com/2025/06/five-smart-strategies-to-come-out-of.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-982921950851732582Sat, 24 May 2025 03:03:00 +00002025-05-27T12:50:51.482+05:30Book Lessons&nbsp;Do you want a refreshing perspective on self-empowerment and happiness?Do you want to break free from societal expectations and embrace their true selves?Read on..."The Courage to Be Disliked" has become a bestseller, with millions of copies sold worldwide. It has resonated with readers seeking practical guidance on achieving happiness and self-fulfillment.&nbsp;The book's accessible style https://elevate-your-life.blogspot.com/2025/05/35-thrilling-lessons-from-book-courage.htmlnoreply@blogger.com (Manoj Arora)2tag:blogger.com,1999:blog-4245052121812075005.post-6528898453693311251Wed, 07 May 2025 01:59:00 +00002025-05-07T07:30:05.382+05:30Life InsuranceUnderwriting in life insurance is one of the most critical parameters based on which the risk and premium of a policy is decided. Understand what it is, and how it works.Introduction When we think of buying life insurance, we often compare premiums, sum assured, or policy benefits. But behind the scenes, there's a crucial process that decides if you’re eligible, how much you’ll pay, and what https://elevate-your-life.blogspot.com/2025/05/underwriting-in-life-insurance.htmlnoreply@blogger.com (Manoj Arora)2tag:blogger.com,1999:blog-4245052121812075005.post-6841724894128225361Sun, 27 Apr 2025 12:15:00 +00002025-04-27T17:45:23.915+05:30Book Lessons&nbsp;Is your mind clouded by biases? Well, you may not even be aware of it. There are two different minds working for you - one is fast and biased, the other is slow and thoughtful. Understand the two minds, and you will be able to take more rational decisions in life.Read on...Thinking, Fast and Slow is a 2011 popular science book by psychologist Daniel Kahneman. The book's main thesis is a https://elevate-your-life.blogspot.com/2025/04/46-thoughtful-lessons-from-book.htmlnoreply@blogger.com (Manoj Arora)2tag:blogger.com,1999:blog-4245052121812075005.post-3433126363262844415Sat, 19 Apr 2025 03:47:00 +00002025-04-19T09:17:21.747+05:30EconomyThe Indian Rupee (INR) has witnessed dramatic fluctuations against the US Dollar (USD) over the decades. From ₹4.76/USD in 1947 to ₹83.50/USD in 2023, the rupee’s journey reflects India’s economic evolution. But what drives these currency swings?&nbsp;In this blog post, we’ll explore the history of INR-USD fluctuations and break down the key factors affecting currency values—all in the Indian https://elevate-your-life.blogspot.com/2025/04/factors-impacting-currency-fluctuations.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-1636404552457187378Fri, 11 Apr 2025 01:44:00 +00002025-04-11T07:14:09.910+05:30EconomyBlue-chip companies are considered the backbone of the economy—large, financially stable, and historically reliable. But what happens when one of these giants fails?&nbsp;When a BlueChip or any big company fails, the impact is not only on the stakeholders of that company. The ripple effects can be severe, especially for banks that have significant exposure to such companies. In this blog post, https://elevate-your-life.blogspot.com/2025/04/impact-on-banks-if-blue-chip-company.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-4674582108900666306Sat, 15 Mar 2025 03:51:00 +00002025-03-16T11:00:31.506+05:30&nbsp;Investing in the equity market can be highly rewarding, but it also comes with tax implications that can eat into your returns. One strategy to minimize your tax liability and maximize your after-tax returns is&nbsp;Capital Gains Harvesting.&nbsp;This technique of Capital Gains Harvesting involves strategically selling or moving investments to realize capital gains in a tax-efficient mannerhttps://elevate-your-life.blogspot.com/2025/03/capital-gains-harvesting-equity.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-5299728961180773420Sun, 23 Feb 2025 02:15:00 +00002025-02-23T07:45:06.165+05:30EquityStocksInvesting in the stock market can be both exciting and overwhelming, especially when terms like IPO, FPO, and OFS start popping up. While most of us are familiar with IPOs (Initial Public Offerings), not many understand what an FPO is or how it works.&nbsp;In this blog post, we’ll break down the concept of a Follow-on Public Offer (FPO) in simple terms, explain how it works, and provide an https://elevate-your-life.blogspot.com/2025/02/what-is-follow-on-public-offer-fpo.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-6276230960217661661Sun, 16 Feb 2025 01:45:00 +00002025-02-16T07:15:06.190+05:30StocksDemerger is a crucial financial and strategic process in the corporate world. It serves as a mechanism to unlock value, improve focus, and ensure the independent growth of different business verticals. In this blog, we’ll explore the concept of demerger, its significance for companies and investors, a simple Indian example, and much more.DefinitionA demerger is a corporate restructuring process https://elevate-your-life.blogspot.com/2025/02/demerger-of-companies-unlocking-value.htmlnoreply@blogger.com (Manoj Arora)0tag:blogger.com,1999:blog-4245052121812075005.post-7772651278650511446Tue, 04 Feb 2025 03:14:00 +00002025-02-04T08:44:46.481+05:30Life InsuranceLife insurance is often considered a long-term commitment, designed to provide financial security for your loved ones. However, there may come a time when you find yourself unable to continue paying premiums or no longer in need of the policy. In such cases, surrendering your life insurance policy might seem like an option. But what does surrendering a policy mean, and what are its implications?&https://elevate-your-life.blogspot.com/2025/02/surrendering-your-life-insurance-policy.htmlnoreply@blogger.com (Manoj Arora)1tag:blogger.com,1999:blog-4245052121812075005.post-3152549624882268885Thu, 23 Jan 2025 03:27:00 +00002025-01-23T08:57:59.855+05:30Stock indices like the NIFTY 50 represent the overall performance of the stock market, showcasing the most influential and liquid companies. The inclusion or exclusion of a stock from such indices can have significant implications for investors. Let us delve into the criteria for adding or removing stocks from NSE indices, their relevance, and an example.DefinitionThe NSE (National Stock Exchangehttps://elevate-your-life.blogspot.com/2025/01/criteria-to-include-or-exclude-stock.htmlnoreply@blogger.com (Manoj Arora)1