6 Financial Rules to make you Rich!

[@LabourLawAdvisor]

Get Term Insurance from PolicyBazaar: link.lla.in/term-0411 Detailed Term Insurance Guide: kzbin.info/www/bejne/fHe6pYiKndSDp9k Get Health Insurance from PolicyBazaar: link.lla.in/health-0411 Detailed Health Insurance Guide: kzbin.info/www/bejne/oKGkimSclJZ0a68 Calculate your Emergency Fund: sm.lla.in

[@juandase5929]

In Income tax there is section to claim housing loan interest upto 2 lakhs, and for joint it is 4 lakhs. So why worry about interest or keep the house loan till 30 years. This should have considered as well!

[@tavish0507]

Bhai jinki 10 12k incom h unke bare me koi fin flewnser koi kuch na bolta

[@shiv_shankar8723]

Love u sir. Sir, I can buy a car for 25 lakhs directly in cash. But I still prefer to buy real estate and manage basic cars as the car is still a depreciating asset.

[@RohitSutarofficial]

Ahi hai😂

[@paragpy]

Please suggest a rule for home with buying land (since on land buying, no home loan no tax benefit)

[@souvikpramanik5183]

10% to 30% income tax 18% GST on daily commodities 28% GST on Luxury items Petrol & LPG high prices 11:37 We are only surviving, not living 😶

[@Proud_banda]

dekha jaye to chand par bhi daag hai

[@Mr.Acharyya]

It's True it's an obstacle. Still we have to try

[@combatninjaturtle]

@@Proud_banda tasalli ke liye sahi h

[@sid-h5y]

Very true

[@shubhamtariyal439]

Luxury item mat lo fir agar saving kam. Baki tax se toh sab pareshan h lekin iska mtlb ye nhi ki jena chod do

[@iambicky007]

i am following all of them sir, I am 27, bought a car with 50 percent down payment but the EMI is for 5 years and I will pre-close it, bought a Royal Enfield with 100 percent down payment, father built the house and I helped, no loan pending, have enough term, health insurance and emergency fund, can improve the investment in market but as we are businessmen, our overall business investment which includes mutual funds are more than 50 percent, total EMI is not exceeding 36 percent…and using credit limit of less than 10 percent

[@RahulYadav2023]

Bro how to manage and control it effectively,

[@iambicky007]

i won’t say it’s easy brother, but i guess persistence in work will be the key

[@CorporateRider-lx8lf]

@@iambicky007 wow that’s super.

[@soul2197]

Whats your business bro? I also want to make a business

[@adarshsasidharan254]

you seem to have figured it all out

[@AbcDef-yh6gz]

Ghar lene k liye ye formula try Kiya tha aaj tak ghar nhi le paa rhe aone man ka😂 coz salary jis proportion me badhti h usase kahi zyada ghar ki price badh Jaa rhi , ab to basic necessities se zyada upar sochna bhi mushkil ho gya h Pr mere ek senior ne 1 practical advice di thi , aur mere bahut se friends, family n known ne us formula se man ka ghar kharid liye- agar abhi aap ghar nhi le paa rhe to ek plot le lijiye Jo aaram se budget me aa jaye vo bahut zyada hath pair faila k nhi ( ofcourse saare paper zarur check kre) , aur jab ghar Lena ho kuch saal me to use bech k down payment kr de. Try n trusted tarika h varna ya to man ka ghar nhi le pate h ya loan bharte bharte pareshan ho jate h

[@Psychology_learning]

Now I'm just 18, whenever I'm start earning I'll must follow these rules!!

[@karangaming0280]

Emergency fund is good , and other things is wastetage in my opinion , you pay an insurance company for monthly it's like a doing sip , inflation is growing and insurance company is growing.

[@apoorv2498]

​@@karangaming0280chupchap gaming kar😂

[@NicholasBall130]

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $30k of my savings in stocks this year, and I hope I make profits.

[@StacieBMui]

You are right. The best approach I feel is to diversify investments- by spreading investments across different asset classes like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@StocksWolf752]

That makes sense. I’ve been using a financial market expert for two years now and I own a six-figure diversified portfolio from investing in stocks. I want to diversify more this year, though.

[@cowell621]

Mind if I ask you to recommend this particular coach you using their service?

[@StocksWolf752]

Her name is Rebecca Nassar Dunne can't divulge much. Most likely, the internet should have her basic info, you can research if you like.

[@grego6278]

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

[@rishabhranjan9369]

1. At least 5 % of salary on learning which can be taken from saving or spending. 2. Try to spend in cash instead of UPI.

[@wrongwithyou-i9i]

What's wrong with UPI

[@InternetUser2409]

@@wrongwithyou-i9i he doesn't have enough self-control so he tends to spend more when he has easy and convenient UPI at his disposal, cash on the other hand does not have that, he also thinks that most people don't the required self-control (may or may not be true) which is also why you are confused.

[@iamtourer]

Rishabh, Man I am shocked to know that you are just 34 years old Surprisingly I was thinking that you are the same as my age and was thinking that why I couldn't learn all the things which you learned. But any ways I am not at all ashamed to learn personal finance from someone who is younger than me by almost a decade 😊 You are literally contributing to Indian Economy Keep it up 👍

[@gcnj20]

I am at my 20s thank u so much sir for this valuable information 😇

[@CorporateRider-lx8lf]

@@gcnj20 Do open a NPS account then. Contribute atleast 1000 a month.

[@CorporateRider-lx8lf]

Just a suggestion.

[@potbot887]

Anyone earning < 12L per year should just focus on earning more. Teach your kids, siblings cousins etc to focus on value creation and skill development from early age. Be it business, online influencer, momo vendor, cab fleet owner, govt job, private job focus where you have skills and resources to succeed. Stop chasing JEE, UPSC and NEET mindlessly if you are not passionate enough for those subjects. There are a lot of professions that will make you 12L+ easily get there and then think of applying these rules. Salaried person will have very tough time in next 5-10 years.

[@thesaimonkabir]

Why salaried person hav tough time next ?

[@rajput9057m]

Why?

[@CorporateRider-lx8lf]

There is nothing wrong with these exams , if I would have scored a good rank 10 years ago in jee, today I could have worked for 40 50L+. Coming to your point 12+ is just okay.

[@teamdream447]

​@@CorporateRider-lx8lfBro he said that if you are not passionate about these things. If you love jee UPSC neet then go for it .

[@potbot887]

​@@CorporateRider-lx8lf Absolutely nothing wrong with these exams if you can clear it with good ranks, but too many people waste 2-3 years of the best time of their lives giving these exams. At least don't put all eggs in one basket, have other plans and work on them in parallel.

[@divyeshvala86]

Very nice calculation. I request to make calculation/video for monthly income below 40 thousand/30 thousand because in India most of the people earn below that only.

[@silent_raj8264]

The best finance channel on YouTuBe

[@meabhaymishra]

You explained about financial independence and safety tips in a very good way. I am currently studying for a job and this video will be very useful to me in the future so thank you so much LLA and one more thing, this is the best channel for financial knowledge on KZbin.

[@rajat1999gupta]

This channel is best in delivering quality content

[@Aesthetic_insights]

Ankur warikoo pagal he

[@reechasinha2634]

4/6 I have followed... Only insurance part are left... Thank you maza aaya 😂

[@niravshah2025]

I am 18 years old right now and all the rules in the video can help everyone in their life to achieve their goals and control their funds. I am also starting to apply some rules that can help me

[@Indianajones3083]

First rule is learn skill which will help you to earn

[@abhishekskumar03]

Bhaiya 20k walo ke liye bhi kuch banao, please. >12 Lac Pa, people they are already rich.

[@LabourLawAdvisor]

Rules are same, i see 20k salary guys buying cars, phones on EMI. It's more important for them to follow.

[@Anonymous-py4mt]

​@@LabourLawAdvisorhai sir kya mere liye koi job hai? Apke paas. I am an accountant. And mujhe kahi job nhi mil rahi😢 main gaon se hu.

[@akshat_djjoshi8264]

​@@Anonymous-py4mtzarurat job ki nahi apko ek direction ki hai. Direct accountant mat bno... pehly choti job se start kro ya kisi ke business me apply kro waha business sikho.

[@Anonymous-py4mt]

@@akshat_djjoshi8264 ok bhai

[@Amitnautyleo89]

12 bhi kam hai yr bhai😢 tax and inflation sab kha jata hai

[@sreekarkvb9314]

I have been following your channel from the day I started earning. All the above rules which you shared here, are already shared by you in different videos earlier. By the time this video is made, I followed most of the inputs shared by you. Except for car(which I am yet to buy), I am almost following the same steps. Thankyou for helping me grow and build my path. Always grateful to follow this channel. Cheers!👍

[@sandeepnaik6818]

Explanation technique with background is very eye soothing and very very innovative

[@dev.il.u]

2:32 am on the clock still choosing lla to watch ❤️ LLA 👏🏻

[@parmodgarg3439]

❤बहुत मजा आया. बहुत बढ़िया. धन्यवाद आपका.😊

[@harshkaushik9316]

Bhai maja aaya. Best video I have ever seen although I knew most of the rules already but to summarise all in one video is a blessing. Thank you team lla.

[@rajshiromani727]

*RULE NUMBER 1* : *PAISA ITNA KAMAO KI YE SAB SOCHNE KI JAROORAT HI NA PADE*

[@Captain_speke]

Without financial planning, Kitna bhi paisa kamalo , Aap wealth create nahi kar sakte

[@rajshiromani727]

@@tejasshah6712 from your dp I can say ur age is around 25-30 And from your comment I can say you are broke. Not making fun of you Just saying instead of replying me ,do something to earn money

[@rajshiromani727]

@@Captain_speke in 2020 I think the same bro And I am not denying for financial planning But what he told in the video is just a trap in which mostly middle class people falls( looking for security, by seeking security u r just minimising ur risk And without risk you can't make anything) GROW UP

[@rasheshbhut8503]

You are right... but har koi itna nahi kama raha hai.. aur limited pay me planning is necessary... 1 lac is also limited pay...

[@Captain_speke]

@@rajshiromani727 That's what financial planning is ! Minimising the risk , 20 % savings and 50% needs with emergency funds.

[@paritosh3702]

Bought my first car using this rule only. 1 year of top model Honda Elevate Ownership. Good car and good financial decision

[@firoz321]

Bina job ke he dekh raha hu 😢😢

[@bobbymishra9230]

Mai bhi😂😂😂

[@anishjha7059]

I follow all of them religiously. I am the same age as Rishabh's. However, around budgeting, what worked for me in my career in yearly years - First 30%+ should go to savings and investment, only then plan for the next 2-3 buckets, this will promote you in a growth mindset. 10% upskilling 20% wants (keep this as low as possible in your early years) 40% needs

[@Madhunishada28]

15:09 15k kiraya.... Itni to meri salary hai in-hand 😂

[@saptarsheemukherjee5195]

Sachme maza humesha ata hain LLA ka video dekh kar. Lekin mene ekbaar aap logo se ek help manga tha mere EPFO ke regarding, but koi reply Nehi Mila

[@kevinsanghvi5928]

7th rule : always try to generate extra income source. Btw my score is 7 out of 6 😊

[@himeshnagar707]

My 60% in savings/investments, 30% in needs and 9% in wants and 1% in charity. This is the budget I follow.

[@Proud_banda]

My Score 6/6 (I dont have car/home emi) additional rule I follow 1. Use Credit card for everything (I have set monthly and per transaction limit to my CC which helps me stay in limit) and get flat 1-5% discount on my CC bills. 2. Once I pay all my pending bills & EMI's, I transfer 5K in my bank account (which I hardly use bcz of rule 1, If this amount becomes higher either I spend this on wants or invest it depending on situation) 3. I invest remaining amount (roughly 40-60% much higher than 20% investment rule) in various investments like SIP/Equity/Foreign markets/PPF/Gold etc.

[@amarjeetpaul5418]

How do you invest in foreign market?

[@Proud_banda]

@amarjeetpaul5418 there are many apps available online, I use ind money exclusively for foreign investment.

[@ShivamKumar-ny4bj]

Sb mrenge ek din

[@adarshsasidharan254]

while it's true that the most important thing to do is increase your income but knowing how to save and invest that income is also good

[@AbhishekYadav-ef4co]

Following 6 out of 6 😎😎😎

[@jugalkishore839]

Loved that part where you're taking that paper off at 03:20 😂😂😂😂

[@RupamMedhi]

I'm following the CC rule.

[@AshuThapa]

That is really very good rules 💯. Main to follow krunga ise. Term insurance tk ka to process Krliya hai. Now 2stage ki bari. Maja aya. It will really help me a lot.

[@azadjain8534]

My rule is saving should be 50% of annual income. If you have your own house, you have luxury of spending more. If you live in rented house or paying EMI, you have to compromise on that part. If we are getting ancestral property, then we can buy house early and we can enjoy. And also, 50% saving will ensure to transfer money to kids at earliest so that they can also buy house in their early age. Ancentral property makes life easier for us and for coming generations as well.

[@vidhyadharnir]

Salary 20k😢

[@Ashutosh_Swain]

Ek lakh vale inki video dekh bhi ni rhe hum hi dekh rhe h

[@debashischatterjee2871]

dekh rahe hai!! 😅

[@JasmeenKhatoon-g7c]

Hm to job hi nhi krte😂

[@darshanawale3744]

1. Invest time on skills/courses that pay more. Increase your income 2. Develop alternate sources of income. 3. Arrive at your target income. Then follow this advice

[@Albaroz5]

I glad to see gems like you in india ❤

[@Samdeeshh]

My income is 15k month and company made me buy a 68k laptop on emi for their work and now I am Trapped 😑 4500 emi per motnh 4000 rent per month 2000 petrol per month kya he bachega kya he rahega mere pass

[@anusmvolgs1783]

6/6 bhai - you are doing awesome job Whenever jab mai koi decision leta hu hamesha apki bate yaad aa jati hai which help me a lot to choose the right path. Thanks a lot bhai

[@hridyamjain2]

I will be the first one to buy jagruk journal

[@LabourLawAdvisor]

Is Saal quality dekh ke legit _____ legi, Kasam se (Sorry for language but isse apt kuch samjh nahi aaya) - RJ Cost 3x kar ke kuch alag hi bana diya hai iss saal

[@futureofficer6815]

🤡🤡​@@LabourLawAdvisor

[@sandeep635]

Paper quality ka kya karna hai bhai, I'm sure aapne poori bhari nahi hogi, joki jyada impt hai..

[@Mr.Avi_007]

I'm watching LLA last 2 years. I really like LLA's videos, like concerns explaining, legal advices, the way are you guys explain really understanding. I've a question in my mind, A person, at his won mini telecom shop, yearly 4lakh50k something income, in this condition is he file income tax (ITR) its a good thik bt what ITR he should be fill? ITR 1,2,3 ? I WATCH your file ITR wale video dekha hain bt ye samajh nhi ayaa. Or app ne jis tarha se fill kiya kuch changes karna parega ki nhi, I really thankful to be a part of LLA community. Big respect for all of you guys. Keeep groing LLA ❤❤

[@AnupXlup]

15k Salary wale kuch bhi nhi kar sakte

[@financial.freedoms]

First increase salary then think of a luxury

[@rajshiromani727]

Kuch ni kia isiliye 15k salary h😢

[@maxdevilio]

Salary bdhane pe focus kro sirf abhi. Ho jaega sab chinta nhi krni hai mehnat krni hai bas.

[@HrithikaAdhrit]

Bhai apne sahi bole.

[@traveller.anshuman]

Abhi apne skills me kaam kro Jab skills ho jaygi to salary apne aap badhyga Jis bhi field me ho Us field me apna skill bannao

[@niladri_nag]

Ultra legend rule of EMI Bohot time humko koi specific phone, ya laptop ya bike kharidna hota hai, jiske liye bohot time se iccha rehti hai kharidne ka.. To uska emi kitna parega month ka calculate karo, or utne amount ka liquid fund me SIP kar do utne time ke liye.. Last me jab time hoga, to usko on cash kharid lo.. koi interest nahi, ulta maximum chance ki inflation ke bawajud tumhare paas extra paise bach jayenge.. usse koi accessory kharid lena.. Or usse v zada chance hai ki itne din wait karte karte usko kharidne ka excitement hi nahi rahegi... to samajh jana, ki wo uss wakt emi lekar kharid ne me emi khatam hone se pehle uski khusi chali jati.. Or sabse bara rule of emi ye hai ki, koi v chiz emi me lene se pehle ye pucho khudse, ki ye mujhe abhi, immediately chahiye ki nahi... agar wait kiya ja sakta hai, to emi ki wajah save karo paise uske liye...

[@puneetsethia3113]

1 Suggestion, Instead of parking funds as emergency funds; opt for OD account where-in I will withdraw monies only when I need as EMERGENCY. Your thoughts about the same ? 10:09

[@LabourLawAdvisor]

EF should not be a loan, OD ka paisa to chukana padega. Ideally park it in a breakable FD or liquid fund.

[@ShivangSharma-vt7bb]

16 hours lecture in just 16 minutes ❤ Thank u Big Bro 😊

[@om_raskar291]

0/6 BE-rozgaar

[@Proud_banda]

@@om_raskar291 start a business bro

[@harihara7873]

7:05 THE BI is necessary but apart from that none of the other conventional rules will make someone rich unless he/she is already rich. These conventional rules will help someone to stay moderately rich or in middle class.

[@Beastbunny07]

I am following 0 out of 6

[@sheikhghulam5775]

MAZAA AAYA 16:13

[@DEVENDRASINGH-fn3zx]

Kis kis ko policy bazaar walon ne phone kar kar ke pareshan kar diya hai?

[@subinsabu3209]

Try ditto

[@ShivamMishra-nr9uq]

Its me 😂

[@sachinkumar151992]

Kash rishab 1 lac PM kma pata... yha to Rishab 30-40k kma le bdi bat h..us pr koi rule apply nhi hota.. itni mhngai mai agr wo bukha na soye wo hi achievement h (Min. 8k Rent+ 2K Bike Petrol+ 15K household expense + 5k festival/education+ 1k mobile/wifi recharge ) just living without saving

[@AwantikaSingh_28]

My employer not paid last six wage months epf and deduct every month from ctc. What can I do.?

[@afnankadri971]

Pc

[@mohd2233]

Best advice for everyone this is very helpful channel thank you LLA for Aware uss keep it up you doing very well👍🏻👍🏻👍🏻

[@subhasisduttaroy8049]

Take VRS from Indian Railways at the age of 47. Drawing pension Runs own small shop Tuition and computer centre runs by teachers Rental income MIS from the post office Own house No debt Invest only in index funds approx 30 % of monthly income Health insurance running star health Full medical coverage from Indian Railway Emergency funds for six months Enjoy my own time through my own way.

[@SourabhBusiness-c8r]

2:53 6 lalh mein to alto ka mid variant aayega 😢

[@PremlataGoyal-xn4fu]

Second hand dekh lo

[@rajnandi4617]

Second hand cars are good enough

[@anshulkhatrii5328]

6 lakh me Tiago aa jayegi...Jo apne RJ ne li hai 😂😂

[@ayushmangal5916]

MAJOR RULES ARE ALREADY KNOWN BUT STILLS THANKS FOR SHARING

[@nitinrai6066]

5 out of 6 Maza Aaya Wo LLA ki har video me ata hai👌👌🥳🥳🥳

[@moonlight_trust]

Needed the rule 3 and 6 alot! Thanks to LLA!

[@chandrakantpatil6735]

Keep learning to increase your earnings

[@abhishekmehta6182]

LLA ....you should prepare a example by using all 6 rules ....so that all the rules should be cleared in a single example... jagrut janta will relate and understand more

[@pratik_wankhade]

These rules don’t work in real life

[@navanshagg]

You can't follow them, doesn't mean they don't work. They are required to be used as a thumb rule if you really want to make financially sound decision

[@moviesbooksandphilosophy4219]

Try making it work, life might get more secured

[@siraqram8388]

The Truth, in practical life these rules are just shits

[@summitbloria549]

For a change, an ordinary video. Already talked about topic by so many finfluencers

[@rahulkumarsingh-cz5yl]

Very valuable learning .. Maaja aaya

[@RayanVeer-xi8cc]

Maza Aaya 100% helpful video and must watch.

[@ToperZOne-Yt]

Bro, kabhi socha hai ki Indian cricketers itne fantasy sports ads kyun karte hain? Yeh sirf endorsement nahi, iske peeche ek hidden truth hai jo bahut kam log jaante hain! Is topic par ek in-depth video banayi hai-dhekho aur khud sachai samjho! Please like if u agree ❤

[@bhuneshwar555]

Last one was helpful as a student

[@mkSlayer9]

Aaplog amazing ho ! Maza Aaya !

[@mirafaquemanzar2011]

very great video love from pakistan mene toh notes bana lie hy apny diary me apky video k

[@amitsinghal4367]

Hmm... Achha hai sahi hai... Bringing everything under one roof and explanation to badhiya hai hi aapka

[@YahanPadho]

Le Government Employee Laughing in The Corner 😂😂

[@Soumadri-74]

Sir students ke liye dedicated video bana dije ❤ Love from Kolkata

[@kunaldey7994]

Maza aaya.. as always 🤗 Great work team LLA 😊

[@AsadKhan-cv2lf]

Also please make a video on rules to choose rent house and how to manage it in budget 😬

[@anirudhhindupur]

I was hoping for an explanation on why these rules are made and on what basis. Why only 4 years for car, etc

[@dkp7842]

Great video ever . Financial decsion must taken in 20s

[@dnesuthar]

Maja aaya❤❤ Rishabh bhai😂😂😂

[@saurabhcalls]

Maza ayaa, ye maza main .....

[@Trader.Pravesh_Kumar]

Hallo Sir,❤ Mai aaj pahali bar apka video dekha hu inta achha laga ki chanal subscribe kar liya. Ham abhi the lallantop KZbin chanal par aplogo ka baithki broadcast dekha hu aur apke chanal par aaya hu.

[@tauseef20091]

3/6 Thanks for this great video.

[@arikdas4436]

Your cost of living also depends on the city you reside. The same income that can buy certain aspects in Kolkata need not be the same as when living in Mumbai. Rest the rules tend to make much more sense now as I am starting to gain more financial knowledge pretty earlier in life.

[@StrikingCommoner]

With such calculations everyone will dream to own a car and house for the rest of his life Extremely ideal scenario and not at all.a reality

[@Jugglervlogs1o1]

Bhai business owners ke liye bhi to koi video banao…ya aisa koi video banao jisse job karne wala bhi business start kar sake

[@krishtamrai7775]

Mazza Aaya 👌

[@Ashwinnnnnn10]

Commenting to keep you motivated for more such great videos

[@RBVijeyShankar]

40% down payment is very difficult in today's era. 20% is the realistic one with a 30 year loan and extra EMI at the end of each year.

[@aagamjain5792]

Hi Rishab, love your vidoes! Have bought health insurance after watching your video on it. Would love to watch a video on Finances after marriage for a working couple!

[@LabourLawAdvisor]

Will plan :)

[@rozgargamer1516]

Great Video sir And Thanks for the knowledge LLA is best guide for making Financially strong ❤

[@shridharkalekar6312]

*MAZA AAYA!*

[@arinsaha4773]

Thank you Team LLA ❤

[@AdvicesAcademyNetwork]

Car, Home purchased without EMI or loan. Moving on to next big thing

[@deadcell3022]

I am following one of this

[@sanjaysawant8757]

Sir, meri age 57 yrs. hai aur maine Term Insurance nahi liya hai. Maine 4 lac ka Personal Loan liya hai. kya is umar me muze Term Insurance lene ki jarurat hai ? Please advice

[@sarbodayaparida2206]

Can you make a video for 40k salaried person??? Because most of your followers come with this range salary...

[@DSPY1009]

I have followed all excepts Total EMI percentage. I have heavily and aggressively invested in real estate and others. But people should not do this, as it increases stress level.

[@Anuragsharma-ei9zy]

Very useful 😃 video Maja Aaya😊

[@subhajitrath9032]

Sometimes you don't need the home buying calculation from all the Fin-influencers. In my locality I deeply studied the flat rates and their growth % .. In 2021 a 3BHK flat costs 65L (this rate is for outskirts), in 2024 the rate is nealry double 1.2 Cr for the same property. If you consider this rate and the property growth rate and the home buy formula, its near impossible to but ur dream home. I do agree , this formula may be applied some portion of India but if you got to real world with the rates and all you will be helpless as you can not meet the salary requirements as prescribed in this video. (Not only this video but for all the home buying calculation). The city I am referring is Bhubaneswar.

[@dn9416]

For insurance go for Ditto insurance , policy bazaar will sell your personal data

[@souravbasak7981]

Wonderfully summarized the goldens rules. Thank you for your effort.