Pradys.in, Kharadi, Pune (2026)

18/10/2023

There is a concept in economics, known as the "Broken Window Fallacy".
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Consider this scenario, a young boy accidentally breaks a window.

Spectators in the town believe that this incident inadvertently benefits the community, as the boy's father will need to hire the town's glazier to repair the broken window.

The glazier, in turn, will inject the earnings into other local businesses, effectively kickstarting the local economy having a multiplier effect.

Over time, the observers begin to think that breaking windows has a positive impact on economic stimulation.
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Parallels can be drawn between this situation and war. A school of thought believes war is good for the economy.

That it creates demand for arms, ammunition, clothing, industry, chemicals and others.

What is not immediately apparent is that the opportunity cost of this demand:

- lower spending on important aspects like healthcare & education. These are foundations for a strong economy.

- capital used for repairing & rebuilding war time destruction could have been used for producing goods and services which has higher utility.

Imagine the father who is forced to spend on repairing the window now has to cut down on expenses that may impact others in the town, like shoemakers, cloth merchants who have lower sales.

In the long term, this opportunity cost & upkeep is more detrimental than the short surge in economic activity.

01/08/2023

I have reached 500 followers! Thank you for your continued support. I could not have done it without each of you. 🙏🤗🎉

21/05/2023

My first visit to the recently opened Apple Store🍎🛍️ in Mumbai's bustling Bandra Kurla Complex was mightly impressive. The store, called Apple BKC, is the first Apple store in India🇮🇳.

This amazing place is a dynamic space where customers🛃 can come together, explore Apple products and services, enjoy exceptional service, and learn how to get more out of their devices through free “Today at Apple” sessions.

Some interesting facts about Apple BKC:

1. It is Apple's 518th retail store worldwide 🌏

2. It is the first Apple Store in India 🇮🇳

3. It features a Genius Bar, Today at Apple sessions, and a variety of unique services.🧑🏻‍🔧

I'm excited to see what Apple BKC will do to help people in India connect with Apple products and services.

If you're in Mumbai, be sure to check out Apple BKC!

19/05/2023

Are you tired of living paycheck to paycheck and feeling like you're stuck in a never-ending cycle of financial stress? 💸💔

You are not alone! 84 million Indians are salaried individuals today. Most share one common problem - how to achieve financial independence.

Well, I have some great news for you today! Achieving financial independence as a salaried individual is not only possible, it's within your reach. 💰💪

Here are the top tips for achieving financial independence as a salaried individual:

1️⃣ Set Clear Financial Goals: Define your financial objectives, create a budget, and track your expenses. Clarity is power when it comes to financial planning. 🎯💰

2️⃣ Invest in Yourself: Invest in your education, skill development, and career advancement. The more valuable you become, the higher your earning potential. 💼📚

3️⃣ Maximize Your Earnings: Look for ways to increase your income, such as negotiating a raise, taking on side hustles, or exploring new career opportunities. Every little bit helps! 💰💪

4️⃣ Live Below Your Means: Avoid lifestyle inflation and resist the temptation to overspend. Frugality is the foundation of financial independence. 🚫💸

5️⃣ Build Passive Income Streams: Invest in assets that generate passive income, such as rental properties, stocks, or businesses. Passive income is the key to unlocking true financial freedom. 📈💰

6️⃣ Practice Smart Debt Management: Avoid high-interest debt, pay off your debts as quickly as possible, and use debt strategically to build wealth. Debt can be a tool, but it needs to be used wisely. 💳💡

Remember, achieving financial independence as a salaried individual is not a one-time event, it's a journey. But with the right mindset, habits, and strategies, you can create a life of abundance, security, and freedom. 💰✨

16/05/2023

Are you ready to unlock the secret to building lasting wealth? 💰✨

In the fast-paced world we live in, it's easy to get caught up in chasing quick wins and overnight success. But let me tell you, true wealth creation is a marathon, not a sprint. 🏃‍♂️🏃‍♀️

Consistency is the fuel that drives your financial journey. It's about showing up every day, putting in the work, and staying committed to your long-term goals. It's the secret sauce that separates the winners from the rest. 🥇🏆

Here's how you can harness the power of consistency for your own wealth creation:

1️⃣ Set Clear Goals: Define your financial objectives and break them down into actionable steps. Consistency without a purpose is like a ship without a destination. 🎯

2️⃣ Create a Routine: Establish a daily routine that aligns with your goals. Small, consistent actions performed consistently over time can lead to extraordinary results. ⏰📆

3️⃣ Develop Good Habits: Identify the habits that will drive your financial success and make them a part of your daily life. Remember, success is the sum of small efforts repeated day in and day out. 💡💪

4️⃣ Embrace the Learning Curve: Building wealth is a journey of continuous learning. Stay hungry for knowledge, seek advice from mentors, and constantly improve your financial literacy. 📚📈

5️⃣ Stay Disciplined: Consistency requires discipline. Stay focused on your long-term vision, resist distractions, and stay committed even when the going gets tough. 💪💼

Remember, wealth creation is not about luck or chance. It's about the daily choices you make and the actions you take. Consistency is your superpower for building a strong financial foundation and achieving lasting prosperity. 💰✨

14/05/2023

When was the last time you installed a product on your system using a CD/DVD?
These were software distribution methods of the past.

Let’s look at the new paradigm for software distribution and provisioning.

Software products are now mostly SaaS - Software as a Services.

The products are hosted on a server and users pay a subscription to use the software for a specified period of time.

These businesses typically incur costs upfront while
they develop and sell the product. They usually spend large amounts on acquiring their target audience on the platform and build loyalty.

The business model can afford a high Customer Acquisition Cost because SaaS companies generally have high Lifetime Value from customers, as the customer can subscribe for months, even years.

10/05/2023

Current eCommerce pe*******on stands at 8%.

It is dominated by Amazon and Flipkart who have a combined market share of over 60%!

ONDC(Open Network for Digital Commerce) is a fantastic government initiative to

1. Increase reach of eCommerce to obscure parts of India
2. Democratise eCommerce for the small sellers
3. Reduce the duopoly of global giants like Amazon and Walmart(Flipkart parent co)

ONDC aims at
- 25% eCommerce pe*******on,
- 900 million buyers,
- 1.2 million sellers
covering hundreds of cities, towns and villages across India.

09/05/2023

Pacific Western Bank: Next bank to collapse in the US?

The PacWest bank shares have fallen more than 75% from earlier this year.

The bank has slashed its dividend from 25 cents/stock to 1 cent/ share.

As the bank struggles to either raise more capital by
- onboarding investors or
- through sale of assets,
depositors continue to worry about their hard earned money parked with the bank.

Why is this happening again?
Same reason as before, as the Fed continues its rate hike, the government bonds value erodes.

Low depositor trust leads to massive withdrawals leading to a liquidity crunch.

03/05/2023

“Time is a friend of a wonderful business and an enemy of a mediocre.” ~ Warren Buffet’s

Time is a big factor in the miracle of compounding.

Quietly over time, even conservative but consistent revenue and earnings growth will compound into massive gains for the company and its shareholders.

But what most underestimate, is how time erodes into value of business without an edge, a USP or a moat.

An unprofitable venture, a mismanaged one, one that is consistently loosing market share; all eventually lead to one unfailing end over time - if there is no early intervention.

There are examples of these companies everywhere - they are essentially ticking time bombs.

As retail investors, it is important to understand that:
“Its better to buy a wonderful company at fair price rather than a fair company at a wonderful price”

01/05/2023

Most are surprised😮 at the fact that countries🌏 too have credit ratings like individuals and companies.

Your CRISIL score, a companies credit ratings against issued bonds and countries sovereign ratings all represent the same underlying fundamental -
Can the entity service their financial obligations 💸?

How is such a complex analysis performed for countries?

Find out more on my blog on Sovereign Ratings:
https://pradys.in/

28/04/2023

Population growth can have both positive and negative effects on the stock markets.

On the positive side, an increasing population can lead to higher demand for goods and services, leading to higher revenues and subsequently higher stock prices. Additionally, a growing population can create new investment opportunities, such as in healthcare or technology, which can attract investor interest and contribute to market growth.

On the negative side, population growth can also put pressure on resources, leading to inflation and potentially slowing economic growth. Additionally, an aging population can reduce consumer spending and slow economic growth, which can negatively impact the stock markets.

Currently India's median age is merely 28 as compared to 38 both in China and US. If India can manage its resources wisely while being sustainable, it's growth is pretty much the only way ahead.

27/04/2023

India needs to create over 200 million jobs over the next couple of decades!

Why you ask? Our population is growing and so is our workforce. The participating workforce needs to be able to sustain themselves and their families financially.

As India overtakes China to become the most populous country in the world, the demographic dividend will bring in as many opportunities as population growth will, challenges.

is the answer! The country needs enterprising folks who can solve for the world, in India.

With a cheap, skilled and young workforce at its beck and call, we can only hope the young generation can contribute in propelling to a middle income country by 2050.

Pradys.in

18/10/2023

01/08/2023

21/05/2023

19/05/2023

16/05/2023

14/05/2023

10/05/2023

09/05/2023

03/05/2023

01/05/2023

28/04/2023

27/04/2023

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