Parvej Alam

जहाँ हर कोई अपने खालीपन को भरने में लगा  हैं, वहीं मैं खुद को खाली करने में लगा हूँ। मुझे खुद को खाली करना ही होगा—खाली जाति-पात से, खाली धर्म-समाज से, खाली अपनी पहचान से और खाली इस जहान से। क्योंकि जो कुछ भी मेरे अंदर है, वह अब मुझे बस कूड़ा-कचरा ही नजर आने लगा है। यह कचरा है झूठ का, दिखावे का, जलन का, क्रोध का, धर्म का और जाति का, लालच का और स्वार्थ का। और इस गंदगी के रहते मैं कितनी भी अच्छाइयाँ खुद में डालने की कोशिश करूँ, वे सब फिर गंदी हो जाती हैं। ठीक वैसे ही जैसे किसी घड़े में गंदा पानी भरा हो और हम उसमें अच्छा पानी भरते जाएँ, यह सोचकर कि एक दिन गंदा पानी साफ पानी से बदल जाएगा। लेकिन कुछ गंदगी इतनी मोटी और भारी होती है कि वह घड़े की तलहटी में ही बैठी रह जाती है। इसलिए घड़े को पहले पूरा खाली करना पड़ता है, पूरा पानी उलीचना पड़ता है, घड़े को उल्टा करना पड़ता है। फिर थोड़ा साफ पानी डालकर उसे धोना और फिर खाली करना पड़ता है। जरूरत पड़े तो उस घड़े को धूप में अच्छी तरह सुखाना भी पड़ता है, जिससे उसने जो गंदा पानी सोख रखा है, वह भी भाप बनकर उड़ जाए। मुझे भी खुद को वैसा ही खाली करना ...

The shorter the payout timeframe, the cheaper our time is valued - and often, the lower the position of the profession in society. 1 Day Daily wage laborers (often referred to as Dihadi Majdoor ) work on a one-day cycle. They are paid the same day they work, which places them at the lowest end of the economic ladder despite the physical effort involved. 1 Week Hawkers and street vendors usually operate on a weekly cycle. They borrow or invest in goods, sell them throughout the week, and earn just enough to sustain themselves. 1 Month Most of the middle-class population falls into this category. Corporate employees and government workers trade an entire month of their time for a fixed salary credited at the end of the month. 1 Year Contractors, business owners, and entrepreneurs typically think in yearly cycles. Within this timeframe, they either generate significant profits or risk financial failure. 10 Years Visionaries with long-term planning operate on a decade-long horizon. Th...

Most of us say we want to be rich, but in truth, we don’t. We just want money to spend — to buy a car, a flat, a phone, jewellery, or a vacation. We want to feel rich and look rich, not actually be rich. Being truly money‑rich means having a large amount of money that we don’t need to spend. If we keep earning and spending the same amount, our bank balance stays near zero. How can we become wealthy if, every time money comes in, it immediately goes out? Two Types of People Imagine someone wins ₹1 crore. If you ask them what they’ll do with it, most will list purchases: A new car A flat or a bigger house A luxury phone Gold or jewellery They’ll spend it all, and their bank balance will be back to zero. They feel rich for a while, but they’re not actually richer in net worth. Now imagine a second person who...

As human beings, we tend to forget things easily. That’s why it’s always wise to write things down — especially when it comes to  money and finance . Have you ever wondered how our parents and grandparents managed to run a household with three or four children, handle all expenses, and still save — all on a limited income? If you’ve noticed, many of them maintained a small diary or notebook. They recorded every expense, no matter how small. They always knew how much they earned, how much they spent, and how much they had left. Based on that simple habit, they managed finances, that too without any credit cards, loans, or digital apps — just discipline and paper. When you run a business, the same principle applies. You need to track your daily, monthly, and yearly financial progress. Without it, you have no way to measure your performance or decide whether to continue, expand, or shut down. This process is called  “accounting and book-keeping.” You may know that Relianc...

People often ask about my CAGR. To be honest, two years ago, I didn’t even know what this term meant. I see everyone is so obsessed with CAGR that many forget the core purpose – earning money. My CAGR was 28% in 2023 and 15% in 2024. Yet I earned only 2.5L in 2023, while my earnings were 7.1L in 2024. Year Buy Value Sell Value Profit Profit % 2023 902934 1156936 254003 28.1% 2024 4702224 5416064 713841 15.2% 2025 4643554 5327755 684201 14.7% 2026 2027 TOTAL 10248711 11900756 1652044 16.1% For a trader, CAGR is not always a great indicator of performance. It may be good for long-term investors or mutual funds, but not for those who actively churn capital and rotate money. I might be wrong but in my view, turnover and profit/earnings matter the most.  That reminds me of the story of a young, poor Marwari boy who captured the sugar market in his town. Story There was a young, poor Marwari boy who wanted to start a business but had very little or no money. For some reason he de...

As advised by my mentor,  trading  should be treated as a business.  just like running a superstore or shop. In my mind, the market is my store, and the stocks are the items I keep on my shelves. I try to “buy” these items at reasonable prices so that I can “sell” them later at a profit margin, just like any smart shopkeeper would do. There are a few things I like most about this trading business: You can operate your “store” from anywhere in the world. You do not have to answer to any boss. You are not dependent on any employees. You can start this business with very little capital. It is, in many ways, less risky than running an actual physical business or company. Many people may not agree with that last point, so let’s compare. The Traditional Shop Setup Imagine opening a store of garments, home appliances, a restaurant, or any business you like. Before you even start, you usually need: Years of experience and expertise in that particular field. A place to buy or r...