SamvardhanSamvardhanwelcomes you to a talk onwelcomes you to a talk on

“How people lose money and destroy “How people lose money and destroy opportunities of Creating Wealth”opportunities of Creating Wealth”

ByByAnand Mohan AgarwalAnand Mohan Agarwal

EEE from BITS Pilani (1975-80)EEE from BITS Pilani (1975-80)

Spend recklesslySpend recklessly

Buy the latest gadgets – iPads, iPods, Bikes, Buy the latest gadgets – iPads, iPods, Bikes, Cars, etc without caring two hoots for what Cars, etc without caring two hoots for what is lying in store for you.is lying in store for you.

Don’t waste time on doing any research or Don’t waste time on doing any research or Need Analysis. Who has the time? Right? Need Analysis. Who has the time? Right?

Don’t bother about savingDon’t bother about saving

In the 1990’s, “Profit” was a dirty word In the 1990’s, “Profit” was a dirty word among the entrepreneurs launching IT among the entrepreneurs launching IT Firms. Their valuations would come down Firms. Their valuations would come down drastically if they even talked about profit.drastically if they even talked about profit.

Likewise, “Saving” is now considered Likewise, “Saving” is now considered taboo for those launching their career. You taboo for those launching their career. You may be ostracized if you even talk about may be ostracized if you even talk about “Saving”. ENJOY …“Saving”. ENJOY …

Idle Money?Idle Money?

Some people find it difficult to spend all the Some people find it difficult to spend all the money on the day they get their Salary.money on the day they get their Salary.

Spend it in advance by swiping your Credit Spend it in advance by swiping your Credit Card for just about everything.Card for just about everything.

If at all you have some idle money after If at all you have some idle money after clearing your Credit Card dues, leave it in clearing your Credit Card dues, leave it in the Savings Bank Accountthe Savings Bank Account

Or better still, withdraw it and keep it under Or better still, withdraw it and keep it under the bedthe bed

GambleGamble

Day trading is one of the best ways to lose Day trading is one of the best ways to lose your surplus cash. Buy high and sell low. your surplus cash. Buy high and sell low.

Or better still, go to a Casino and gamble. Or better still, go to a Casino and gamble. After all, money is coming in easily so you After all, money is coming in easily so you should allow it to go out easily too. should allow it to go out easily too.

Invest rashlyInvest rashly

Buy an Endowment Insurance Policy. Buy an Endowment Insurance Policy. It is very safe. It is very safe. It will ensure that you will not get anything It will ensure that you will not get anything

more than inflation. more than inflation. You can also take pride in the fact that you You can also take pride in the fact that you

“helped” a friend or a relative by doing this.“helped” a friend or a relative by doing this. And “saved” some Tax And “saved” some Tax

Buy a Flat – earlier the betterBuy a Flat – earlier the better

Everyone knows you have no time; and some moneyEveryone knows you have no time; and some money They will help you in “spending” that money in the least They will help you in “spending” that money in the least

possible time.possible time. Everybody will help you.Everybody will help you. The agent will tell you “today is the last day”The agent will tell you “today is the last day” The developer will tell you “this is the last available flat”The developer will tell you “this is the last available flat” The Banker will assure you that you are getting the “best The Banker will assure you that you are getting the “best

possible Deal”possible Deal” The list is virtually endless. Carpenters, Vendors, etc …The list is virtually endless. Carpenters, Vendors, etc …

We forgot about conveyanceWe forgot about conveyance

Buy a bike the day you get the appointment Buy a bike the day you get the appointment letter. Take a Bike Loan.letter. Take a Bike Loan.

Buy the latest model every year. You may Buy the latest model every year. You may get less than half of what you spent on the get less than half of what you spent on the old Bike; but it may suffice to make the old Bike; but it may suffice to make the down payment to seek the next Bike Loan.down payment to seek the next Bike Loan.

Buy a car ASAP and keep on repeating the Buy a car ASAP and keep on repeating the process …process …

And your clothes …And your clothes …

A new pair of Jeans is “old fashioned”. It A new pair of Jeans is “old fashioned”. It may take a few years before it gets “worn may take a few years before it gets “worn out”.out”.

There are stores from where you can buy There are stores from where you can buy “worn out” Jeans at more than double the “worn out” Jeans at more than double the price.price.

Check it outCheck it out

Ultimate objective1.1. Security for self esteemSecurity for self esteem

2.2. Thrilling experienceThrilling experience

3.3. Maximize costMaximize cost

4.4. Minimize benefitsMinimize benefits

Life is very short

And there’s no time

For fussing and fighting

my friends …

Just FREAK OUT

Something wrong?Something wrong?

• Are you caught up in the vicious Are you caught up in the vicious circles of scarcity in life?circles of scarcity in life?

• Are you experiencing shortage of Are you experiencing shortage of time, money, love, friends and just time, money, love, friends and just

about everything else in life?about everything else in life?

Escape from the vicious circles Escape from the vicious circles of scarcity and …of scarcity and …

Enter the ever growing virtuous Enter the ever growing virtuous spirals of abundance and spirals of abundance and growthgrowth

Experience abundance of good Experience abundance of good health, wealth, peace and health, wealth, peace and prosperityprosperity

Let us work together

and chase our dreams

Contact: Anand Mohan Agarwal

040 6456 2364 or 0 924 650 9367

FitnessFundas@gmail.com