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Decision for buying a house

This topic is very close to my heart as it has paved the way for my financial literacy. Also, house is a basic necessity of life and everybody has a need for it. For most, it is the biggest purchase of their life. There are 2 aspects in this decision - Financial and Emotional. Emotional - A house where a family plans to live creates wonderful memories during its life span. Memories of your kids and watching them grow everyday and eventually flying out of the bird's nest. Also, you can design your home as per your aesthetics and beliefs which are not possible in a rented apartment. Financial - Below is the list of Financial aspects while buying / selling a house 1. Purchase Price compared to Affordability (Recommended - 2-3x of your annual salary max) 2. Interest Rates - At what interest rate do you plan to take a mortgage loan. At 10% interest rate, you would end up paying double the purchase amount to the bank in 10 years 3. Liquidity - House is an illiquid asset or a
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Ideas that changed my life - for good

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Below is the list of some of the most powerful ideas and experiences that completely changed my life - for good. As I age out and new experience will get added in my life, the page will be updated. I hope you will like it and use it, its free !! :) Here is the list 1. Topping the list is  Vipassana  - In my 35 years, I haven't seen or done anything better than this. I am 10000% sure, I won't see anything better than this in this life or in my future lives. One has to experience it to believe it. Reading / Listening about Vipassana doesn't help. I could write 1000 pages of content on it in great detail, but it would be useless for the reader. As I said, one has to experience to believe it, like the sweetness of a candy can only be experienced but difficult to describe. The only thing that I know which has survived  for more than 1000 years  apart from language and Culture. Both Language and Culture are non-universal. Not everyone can use it in their personal lives.  Vip
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IKIGAI

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IKIKAI - Ikigai is a Japanese word meaning purpose of life / way of living life.  IKI meaning life and GAI meaning effect. The concept of Ikigai would help a person to sail through any circumstance - happy /sad / neutral. It is a combination of 4 things. Mentioned below are these 4 1. Work on what you are really passionate about / what you love to do. Pick up any successful person and he would recommend to take a job which involves work that you love to do. 2.  Work in an area where you are really best at. Best at something does not necessarily mean passionate about same thing or vice versa. For example, I love playing chess (passion) but I am not best at it. I am good at analyzing numbers does not mean I love doing it. 3. Work what you will be paid for Imagine getting paid for something which you love to do and you are best it. You could have done it for free as you love to do it but you are getting paid for it. 4. What the world needs For most people, even me
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