First use fo indicators in my financial life

One indicator dominates investment decision. -  cash buffer period

First principle indicators. -

1. Cash buffer months - number of months that one has before you will not be able to meet you cash payments 
2. Rent equal emi - How many years it willl take for the rent to equate emi
3. 
   

At minimum , i need to maintain 36 months cash buffer for any property that our company will own.




Example -Real estate - residential

Cash down payment. -  3 lacs
Cost of infrastructure  - 17 lacs
Time period of payment. - 20 years
Rent on property. - 11,000 - with 10 % increment every year
Rate of interest -   8%
EMI -  14500

Rent equal emi - 4 years (approx) - the property will be free after 4 years


Total emi payment to the bank  in 4 years = 14500 *48 =  696000
total rent payment  for first 4 years  - 13000 ( average rent payment 4 years) - Rs 13000 * 48 - 624000

Amount to be paid by owner for first 4 years - Emi - rent amount =  696000- 624000 = 72000

I was searching for Mithoon

I was using Arijit singh as a proxy. - i realised the real power and influence was from the composer

the artist, with all his vocal power , can not save a poorly composed song.

On the other hand, a well trained composer can easily control the damage by a poor vocalist.

Distribution of systems designed to save the rich VRs to save the poor?

I Think, it will be curious to know what percentage of systems/government bodies / private bodies are build to protect the rich and what percentage of it is build to save the poor.

I have a hunch - close to 99% is build to protect the rich.

You serve the master
You serve the one who pays you

In case of government - it is able to function using tax  money paid by top corporates and high income individual

Therefore, government dollar allocation will be in accordance to the tax collection distribution.

People and localities paying the most will get the most services from the government.

Is that so?

Am I equipped to find the answer of this simple question?

What percentage of effort/money spent by government on working for the rich 5% population of India?

What if, the concept of location is evaporated - in terms of real estate

If people are going to work digitally, the concept of top location with top services is going to be useless.


Needs.
Livelyhood - Job/employment. - online { digital jobs} [no office needed/ no commute needed]
Food - Fruits and vegetables /staples - online delivery
Manual labour -  Maid/bai - locally available every where in India
School/college/training / education. - online/ compelled ( you can open digital schools, with 0 infra-cost)
Necessities - Books/furniture/ electronics / all daily needs - e-commerce / amazon
Internet/ electricity - Ubiquitous in India


Conclusion
Get land
Create digital utility assets
Physical world is just an extension of digital world 

People only like to keep assets around them

Asset - put money in your pocket , every month
Liability - takes money out of your pocket , every month


People can be categorised in four simple buckets

1. Asset 
2. Liability
3. Asset camouflaged as liability
4. Liability camouflaged as asset

People only like to keep assets around them 

Satisfaction

If you know

What
Why
How


You want something, you will be content with the journey itself.


#bliss

Distribution

1. Discovery - how do we get new customers to our door ?
2. Experience core product value - How Do we get them to experience the AHA! moment as soon as possible ? 
3. Retention - How do we keep making them experience the AHA! Moment as often as possible ?