Trailblazing Entrepreneur

Mumbai, the city of dreams, is synonymous with ambition, opportunities—and sky-high living costs. From exorbitant rents to maintenance charges that often feel like second salaries, residents in prime areas such as Cuffe Parade or Nariman Point are used to paying hefty sums just to call a place home. But what if there was a society in Mumbai where living didn’t cost you anything—in fact, where the society actually paid you to live there? Sounds unbelievable? Welcome to Jolly Maker Tower . A Housing Society Like No Other Jolly Maker Tower, located in the heart of Cuffe Parade, is not your ordinary residential building. Unlike most apartments in Mumbai, where maintenance charges often run into tens of thousands every month, this society flips the concept on its head. Residents here do not pay a single rupee in maintenance . Even more astonishing, flat owners receive an annual payment of approximately Rs 2.5 lakh simply for living in their own homes. The revelation came into the limelight...

Buying your first home is exciting, but it can also feel overwhelming. With soaring property prices, rising EMIs, and complex tax rules, many first-time buyers struggle to make the right decisions. The good news is that home loans make buying a house more affordable , and you can also save significant money through tax benefits if you plan carefully. This article explains everything first-time buyers should know about home loan eligibility, EMI planning, and tax savings under Section 24(b) of the Income Tax Act. Why Buying a Home Is Tougher Today In India, affordable homes are usually priced below ₹45 lakh. Developers earn only 10–12% profit from these projects, whereas luxury homes give 25–30% profit. As a result, many builders prefer constructing premium homes, leaving middle-class buyers with fewer options. Additionally, banks today allow EMIs up to 60% of a borrower’s income. While this increases eligibility, it can also strain monthly finances if not planned carefully. That’s why...

मुद्रास्फीति एक ऐसा आर्थिक शब्द है जिसे अक्सर सुना जाता है, लेकिन इसका मतलब समझना थोड़ा मुश्किल लगता है। सरल शब्दों में, मुद्रास्फीति का अर्थ है सामान्य स्तर पर वस्तुओं और सेवाओं की कीमतों में वृद्धि —जैसे कि रोजमर्रा की वस्तुएँ, भोजन, ईंधन, आवास और सेवाएँ समय के साथ महंगी हो जाती हैं। एक महत्वपूर्ण लेकिन कम समझा गया कारण है ऋण और क्रेडिट । ऋण अर्थव्यवस्था में पैसे के प्रवाह को प्रभावित करता है। जब इसे सही तरीके से इस्तेमाल किया जाए तो यह विकास और वृद्धि में मदद करता है। लेकिन जब अत्यधिक या गलत तरीके से लिया जाए, तो यह कीमतों को बढ़ा सकता है और मुद्रास्फीति पैदा कर सकता है। इस लेख में हम सरल भाषा में समझेंगे कि कैसे ऋण मुद्रास्फीति को प्रभावित करता है , केंद्रीय बैंक क्यों उधारी पर निगरानी रखते हैं, और कब उधारी समस्या बन जाती है। ऋण और मुद्रास्फीति का मूल संबंध मूल रूप से, मुद्रास्फीति का मतलब है बहुत ज्यादा पैसा और कम वस्तुएँ । जब लोग और व्यवसाय पैसे उधार लेते हैं, तो उन्हें खर्च करने की शक्ति मिलती है। अगर खर्च उत्पादन की तुलना में तेज़ी से बढ़ता है, तो कीमतें बढ़ने लगती हैं। इसी तर...

  Mayaa SH, a distinguished Indian author, activist, and feminist philosopher ,a globally recognized literary figure and social activist from India, frequently employs the adage "Rome Was Not Built In A Day" to characterize her arduous journey toward becoming a champion for women's rights and a prolific authoress. Her philosophy centers on the belief that great achievements require Time, Persistent Effort, and Unwavering Patience, reflecting her own transition from a dedicated writer to an international icon known as the "Lady Gandhi" of the modern era. Mayaa SH faced a series of formidable challenges during her journey toward becoming a prominent voice for women's rights and social reform. Her path was primarily obstructed by deeply entrenched patriarchal norms, systemic gender biases within the legal and social framework, personal experiences with domestic violence, and the social stigma surrounding mental health and suicide prevention. However,her Nerves ...

When banks lend money, they expect borrowers to repay it within the agreed time. However, in the real world, not all borrowers are able or willing to do so. Over time, unpaid loans accumulate and turn into non-performing assets (NPAs) . If this pile-up becomes too large, it weakens banks, reduces their lending capacity, and slows down economic growth. To deal with this chronic problem in a structured manner, policymakers across the world have turned to the idea of a “bad bank.” In India too, the bad bank model has emerged as an important reform to clean up the banking system. This article explains what a bad bank is, how it works, the role of the Reserve Bank of India (RBI), why India needs it, and the key benefits it offers. What Is a Bad Bank? A bad bank is a specialised financial institution created to take over bad loans from regular banks. These bad loans are usually stressed assets or NPAs that have stopped generating income for banks. Instead of individual banks trying to reco...

In recent years, discussions around India’s rising debt , especially debt linked to foreign countries like the United States, have become more frequent. Many people are worried because they hear statements like “India’s debt is reaching close to its GDP.” But what does this actually mean? Is it dangerous for a country to have debt equal to or higher than its GDP? And why do economists warn that this situation is not good in the long run ? Understanding the Basics: Debt and GDP Before going deeper, let’s understand two important terms. What is GDP? GDP (Gross Domestic Product) is the total value of all goods and services a country produces in one year. In simple words, GDP is the income of the nation . If India’s GDP is ₹100, it means the country earns ₹100 in one year. What is National Debt? National debt is the total money a country has borrowed . This includes: Money borrowed from its own citizens (banks, institutions) Money borrowed from foreign countries and institutions (like the...

 अधिकतर लोगों के लिए ₹50–80 लाख की सुपरबाइक खरीदना एक बहुत खराब वित्तीय फैसला लगता है। बाइक की कीमत घटती है, मेंटेनेंस महँगा होता है, और दोबारा बेचने पर कितने मिलेंगे—इसकी कोई गारंटी नहीं। मिडिल-क्लास सोच से देखें तो यह फैसला जोखिम भरा और अव्यावहारिक लगता है। फिर भी, दुनिया भर के अमीर लोग बिना हिचक कई-कई हाई-एंड सुपरबाइक्स खरीदते हैं। आख़िर क्यों? क्योंकि अमीर लोग सुपरबाइक को एक सामान्य वाहन की तरह नहीं देखते। वे इसे एसेट, अनुभव, स्टेटस और नेटवर्क-बिल्डर के मिश्रण के रूप में देखते हैं। इस नज़रिये से देखें, तो यह फैसला पूरी तरह समझ में आता है। आइए इसे विस्तार से समझते हैं। 1. वित्तीय मूल्य: कुछ बाइक्स की कीमत बढ़ती भी है सबसे बड़ा भ्रम यह है कि हर बाइक की कीमत घटती है। सच्चाई यह है कि हर सुपरबाइक depreciate नहीं होती। हाई-एंड और लिमिटेड-एडिशन बाइक्स मशीन से ज़्यादा कलेक्टिबल की तरह व्यवहार करती हैं। कुछ बाइक्स जो अपनी वैल्यू अच्छी तरह बनाए रखती हैं: Ducati Superleggera V4 Kawasaki H2 Carbon BMW HP4 Race Yamaha R1M (Limited Editions) MV Agusta Serie Oro इन बाइक्स की खासियत: बहुत कम...