How much Time should you spend for managing your Personal Finance

POSTED BY Jagoinvestor ON December 18, 2009 COMMENTS (71)

Some months back I wanted to find out how much time a person would spend on his Personal Finance? So I did a poll which asked them this question and gave them some answer options to choose from. Around 180 people participated in the poll. Let us find out what most of the people think about spending time on their Financials.


Results of the Survey

So the survey asked them a simple question “How much time you would like to spend managing your Personal Finance” and gave them following 5 options

  • 1 Hour/Week
  • 1 Day/Month
  • I would rather like to hire a trusted Financial Planner
  • 4-5 Days/Year
  • I have other important things in life

Any Debt funds and Stock Market experts here? Please step in our Forums and help in answering questions like “Best Investment theme for future in Indian Stock Market” and “Debt funds?”

Here is the pie chart which shows all the results

Important Learning’s and Insights

  • Around 60% people say that they would like to spend around 1 hr/Week. Another 18% said 1 day/month, which is again some how same as 1hr/week in some sense. So I can say that people are interested in spending around 4-5 hrs per month. Personally I feel that 3-4 hrs a month is more than enough. Choose last weekend of month and sit one Sunday or Saturday evening for 3-4 hrs after lunch and look at overall your portfolio. Find out  how everything in portfolio is performing, how your mutual funds are performing, track if your investments are growing as per your expectations and plan.
  • Very small percentage of people said that they have other important things in life than managing their personal finances. This shows that everyone somewhere in their heart recognizes that Personal Finance is an important part of their life. But may be because of ignorance or because its too boring. We don’t get into managing or understanding it and try to ignore it to a level when its too late 🙂
  • Only a small percentage of people think that they should hire a Financial planner. There are two reasons for this: First, that they don’t feel a need to hire a financial planner and they think that its an easy task which they can do themselves, they think like “why to pay Financial planner?”. Second, that people don’t yet understand what is the goal of Financial planning and don’t appreciate it’s importance in life.

Please put your comments and involve in discussion, What do you think is the best way and time to manage your money?

Note: I feel that I will not be interested in writing a review for any product now onwards. One of the reader feels that I have received Money from Aegon Religare and reviewed iTerm Insurance, see the comment . I don’t say that it looks very unbiased and yes my word seems to be very promotional may be because of my trust in the company and their philosophy.

I am not an emotional person at all but it has hurt me as a writer.  I would love to hear your comments on that. If most of you feel the same way feel free to put your comments there without hesitation. If most of the people feel the same way. In that case I will have to refrain from writing such articles, so that it does not put wrong impression. Miss-trust is the last thing I want from readers. If people are not happy, I should also think about removing the ads I put on this blog if it makes people uncomfortable and feel like I am biased. Please accept my public Apology if I have hurt your Trust 🙁


71 replies on this article “How much Time should you spend for managing your Personal Finance”

  1. Rajiv Ahuja says:

    @ Manish:Keep up the good work.Jago Investor is doing a gr8 job in parting financial literacy.

    1. Thanks Rajiv

      Are you on Forum , please help answering others … contribute your knowledge 🙂

      1. rajivahuja says:

        I have to learn a lot.There are more well versed people on this forum whose knowledge on financial literacy I respect, starting with you.

        1. Thanks for your kind words !

  2. raju says:

    Hi Manish,

    I hope you don’t stop reviewing the new products.Wish you to continue that,it helps investor to analyse product either negative or positive.I am your new follower,started learning from your website.

    Keep posting and reviewing.


    1. Raju

      Yep , I will keep doing that 🙂


  3. saurabh says:

    hey manish
    if you stop writing useful reviews because one pupil feels that way than you are stopping something good from reaching people.
    if bad things come we cant block them but if good things block it hurts more and do more bad .
    keep the good work going.
    i personally analysed all available insurance options and found you are really good and no objection is there.

  4. som says:

    Dear manish,

    paucity of time is not allowing me to read the interesting comments above.. which i would have ideally liked to do …

    Let me tell you one thing i was really surprised by your thoughts on not putting your point
    across with regards to a product anymore !!

    Do you know :
    As some gentleman has pointed out that you cud have edited the comment
    You could have no comments enabled at all !! there by trying to sound prophetic !!
    And many more points i can add 🙂

    By not doing any of these things clearly shows your intent …
    Who does not have critics !! Big B , Sachin almost everyone … thats how the
    world is balanced there is a neutron for every proton !! mere existance of a neutron
    should not warrant the demise of the proton !! both have equal importance …
    Take the comments positively and march ahead …
    You have a far more mature head resting on your shoulders than your age warrants !!
    You are the best judge .. but don be judgemental !!

    To sum up i quote roosevelt :

    It is not the critic who counts;
    not the man who points out how the strong man stumbled
    or where the doer of deeps could have done them better.

    The credit belongs to the man who is actually in the arena;
    whose face is marred by dust and sweat and blood;
    who errs and comes short again and again…
    who knows the great enthusiasms,
    the great devotions,
    and spends himself in a worthy cause;
    who at the least knows in the end
    the triumph of high achievement;
    and who, at the worst,
    if he fails, at least fails while daring gently,
    so that his place shall never be
    with those cold and timid souls
    who know neither victory nor defeat.

    ~ Theodore Roosevelt ~


    1. Som

      thanks for your comment , really appreciate it 🙂


  5. khalid says:

    Nice to see hindi comment, how you people type hindi ? would you like to share please.

    1. Khalid

      Go here : and type in hindi (type english word , it will convert to hindi , like “AAP” will convert to Hindi word )

      then copy paste 🙂


    2. मुकेश पंड्या says:

      हिन्दी में टाइपिंग के लिये मैं “बराहा” सोफ़्टवेयर का प्रयोग करता हूँ जोकि पर निशुल्क उपलब्ध है. किसी प्रकार की सहायता के लिये आप मुझसे संपर्क कर सकते हैं.

  6. मुकेश पंड्या says:

    एगोन रेलीगेर के iTerm प्लान के बारे में आपका विचार व साथ ही यह बिन्दु कि इस कम्पनी का क्लेम रिकार्ड उपलब्ध नहीं है, आपकी ईमानदारी का प्रमाण है. अत: आप अपने विचार हमारे जैसे पाठकों के लिये अपने ब्लोग के जरिये जारी रखे.

    आपके लिये मेरे मन में कुछ पंक्तिया आ रही है जो (आशा है) आपको प्रेरणा देगी :-

    जगत भर की रोशनी के लिये, करोड़ो की जिन्दगी के लिये, सूरज रे जलते रहना !!

    जो दूसरों का हित सोचते हैं उन्हे ऎसे ही अनुभवों से गुजरना होता है. अत: अपना प्रयास जारी रखे. आपका प्रयास हमारे लिये तो अमूल्य है.

    मुकेश पंड्या, मुम्बई

    1. मुकेश

      आप की टिप्पड़ियों के लिए बहुत धन्यवाद ! , आशा है आप को ये ब्लॉग बहुत पसंद आ रहा है , ये जान कर अपार ख़ुशी हुई की इस ब्लॉग के हिंदी पाठक हैं , मैंने कई बार सोचा भी की किस तरह से हिंदी पाठको तक ये ब्लॉग पहुँचाया जाये पर समझ नहीं आया ! आशा है आप इस ज्ञान को दूसरो तक पहुचने में सहायक होंगे 🙂

      आप के क्या विचार हैं इस विषय पर ?


      1. मुकेश पंड्या says:

        आप अपने कुछ लेख हिन्दी में भी लिखकर अपने ब्लोग पर डाल सकते हैं. इससे भी अच्छा होगा अगर एक हिन्दी ब्लोग इस विषय पर शुरू किया जाय. दुर्भाग्यवश हिन्दी का पाठक-वर्ग इस विषय से कुछ अनभिज्ञ सा है. फ़िर भी कुछ प्रयास तो किया ही जा सकता है. आपके प्रत्युत्तर हेतु धन्यवाद.

        1. पर हिंदी पाठकों की संख्या कितनी है ? क्या हिंदी में पढने वाले काफी लोग है ? इन्टरनेट पर तो सिर्फ अंग्रेजी में पढने वाले ही ज्यादा हैं , अगर मुझे इस बात की तसल्ली हो जाये की हज़ारो लोग हिंदी लेख पढने में रूचि रखते हैं तो इस पर कुछ विचार किया जा सकता हैं ! हिंदी.जगोइन्वेस्तोर.कॉम ( के बारे में आपके क्या विचार हैं ? क्या आप इस कार्य में किसी तरह से सहायक होंगे ?


          1. मुकेश पंड्या says:

            आपका यह कहना सही है कि नेट पर हिन्दी के पाठक कम है. लेकिन संख्या बढ रही है. इसका अनुमान आप विभिन्न हिन्दी की साइटों से लगा सकते है. हिन्दी में सामग्री तैयार करना (खासकर टाइपिंग) बहुत समय लेने वाला काम है, फ़िर भी आप लीड लेंगे तो मेरी तरह कई हिन्दी के जानकार जुडते जा सकते हैं. मैं अपनी तरह से पूरा सहयोग दूंगा.

  7. bdeb says:

    I am looking for an online portfolio tracker (preferably free) to track my personal investment (equity, MF, ppf, FD etc.) portfolio. Some of the options that I looked into are the ones provided by moneycontrol, valueresearchonline.

    Let me know what tools you folks are using and your feedback.

  8. Madhu says:

    I am from a poor family background… unfortunately i did not know anything about money products like FDs, insurance, MFs, etc nor my father did because we were just living based on income. Now i am working at good software company. I feel like i have already lost so much time as i am now 33yrs old. I read quite a bit and i have read many of your posts and i found that interesting. I have never had a habit of investing.. but i feel now i am left behind. i started on with MFs but since i have started late i am spending too much time on it almost 30 to 40mins reading about investment everyday. Is this good thing for a late starter?

    1. Madhu

      I must appreciate at your interest and confidence .. every start is small , and with time things grow , same applies to knowledge too . Read everyday and dont hurry ,, concentrate on making your understanding very robust about personal finance and one day you will be able to take all the decisions well 🙂


  9. Dr. Kishan says:

    dear manish
    i think for many of us YOU are the CFP of our financial investments guiding us thru your blog. i dont think that the trust factor people have gained in u over the months would be there with any body else. keep up the job buddy!! and dont be bogged by some loose comments by some body.


    1. Dr Kishan

      thanks for your trust 🙂 . Keep commenting


  10. Deepak Gupta says:


    First, a big thanks for writing such an informative blog which is easy to understand and based on some logical analysis.

    I see a post where reader has asked for a wish list. Is it in place now ? I would like to have more information on PPF, Pension plans and retirement schemes i.e. what to look for, why they are good and bad …

    One another question is how do we get Financial Planners ? All I have seen in the name of Financial Advisors and Planners are Agents. I have not encountered any one who gives unbiased and trustworthy information. To me, every one seems to be selling products of one or the other companies and once you make the investment they will disappear some where and will reappear once some new products are launched … Real motive always seem to be selling products which gives them max commission.


    1. Deepak

      Wish List is still not in place 🙂 . Will do it soon .

      Regarding Financial planners , I am coming up with the post on this . Keep watching . For now just understand that you need to Hire CFP’s who are independent Financial planners and do not have compulsion of executing the plan through them . Do you know what is CFP and where to look ?


      1. Deepak Gupta says:

        I know CFP is Certified Financial Planner. Even the agent that I work with is, I think, a CFP but the question is that of trust. My problem is that if some one tells me to invest in for e.g., a certain NFO ( I know they are usually bad and should be avoided but I came to know after I had invested in NFOs on the advise of some advisors from ICICI and Kotak) or some other product such as Gold Harvest scheme by Birla, then I am not able to decide that it indeed is a good product and there are no hidden benefit of the ‘advisor’. I agree and fine with the fact that they are there to make a living out of that but then how do we ensure that it will not be a parasitic relationship ?

        If you can provide a resource to find out the list of independent CFPs then that may help.


        1. manish says:


          Trust is really the one thing one needs while hiring the FP . But that will come only after your interact with FP , spent time with him/her . Choose one on the level of comfort you feel and not just qualification . What kind of trust level or comfort level you feel with Jagoinvestor or me in particular ?

          You can get the list of CFP here :


          1. Deepak says:

            I agree with you on the ‘trust’ factor. However, if you are new in a city, you hardly know any one, now how do you find a person you can trust with your money ? That is the challenge. And that is when I guess one objective selection criteria can be CFP.
            And then developing trust is also a long term process i.e. if he makes some recommendations, whether they were good or bad you will only come to know after 2-3 yrs. By that time you may have lost 2-3 valuable years.

            You have sent a link on finding CFPs but then a reference/recommendation is always better. I feel that trusting some one with your money is one of the most (probably the most) difficult things in this world 🙂

            Regarding trusting this blog, I do trust and one of the reasons is because the articles, suggestions and advises are generic basis and I do not feel that there is a hidden agenda. It would have been better if some one like you can help some one like me with his financial planning :).

            1. manish says:


              Yeah .. if there is no time for trust , then definately one has to go with the certificates and qualification part .

              I mailed you personally regarding my services .


  11. pankaj Singla says:

    Thanks, you have a great mind……….
    .-= pankaj Singla´s last blog ..Tax Implications on Second House Property =-.

    1. manish says:

      Hi Pankaj

      You have a great blog on tax . I would be reffering to it for my doubts 🙂 .. Great work


  12. N K Rana says:

    Dear Manish,

    You, as JAGOINVESTOR, are very instrumental in imparting financial education to lot of novice people like me. Keep-up the spirit and continue your march to spread awareness amongst general public. Each and every article posted by you is thought-provoking and easy to understand/follow.

    Your taking that particular comment positively shows your maturity at this young age and your dedication to “Learn from Others” and “Let others Learn”.

    Keep writing and wishing you all the best.

    N K Rana

    1. manish says:

      Thanks N K Rana .

      What are your views on Taking sessions live , How will that help ? Do you support it .


      1. N K Rana says:

        During the day, being occupied in Official Affairs, I may not be able to Take Sessions Live. But for the benefit of general investing public, I would support it and welcome it whole heartedly.

        Keep up the continuation of your good work.

        N K Rana

        1. manish says:

          I was talking about Weekend like some Sat or Sun .

  13. Naveen says:


    Keep up ur good work! Pls don’t let some negative comments ever effect you. You are doing a wonderful job in enlightening people on personal finance.

    Also I guess AR example is there because it is a standout product, new product and ppl are not very aware of such a wonderful product so pls keep post such wonderful examples.


    1. manish says:

      Thanks Naveen .. keep commenting 🙂


  14. rajenderballa says:

    No Manish, you cannot stop writing, Not only me, many of friends whom I suggested your site became fans to your blog. One person criticizing the blog is not at all countable. There are unlimited people supporting you. Keep blogging.

    1. manish says:

      Hehe .. I am flattered 😉

      Thanks for the support


  15. Manshu says:

    To be honest, it was a bit confusing why you were so vocal in the company’s favor, even though you hadn’t used its product. Having been a follower of your blog, I didn’t question your integrity, and attributed it to reciprocity. They treated you well, and you were returning a favor. Personally, I feel that individual reviews are fine but at the same time, we should take into account the views of people who have opposing views.

    Keep up the good work, negative comments are part of the game, and shouldn’t let you down. You are doing a good job and please continue with it.
    .-= Manshu´s last blog ..Interesting Reads 19th December 2009 =-.

    1. manish says:

      Thanks for comment ..

      Opposite views are totally fine .. I like them and there is nothing wrong with it .. actually its better that 100% people dont feel the same way otherwise the purpose of blog commenting would be defeated .

      But I take your point .. I should sound more un-biased 🙂


  16. Ravi Chandra says:

    Hi manish,

    felt very bad while reading NOTE. Not sure how can someone say that way. I know you personally as well. you are not of that kind.

    BTW: I appreciate and thank you for post on iterm. If u wouldnt have written I would have never know about that. Also I took a 25L poicy as extra cover for 2k comapred to 5.5k while 50k was sufficient for me.

    your post as well as AR strategy were very impressive. Please continue to spread word about such good financial products.

    1. manish says:


      thanks for comment .. i will take care 🙂


  17. JP says:

    I agree than 4-5 hours/month is more than enough for a review of our portfolio..
    It was an excellent idea to conduct such a poll and results show that “readers/fans of your blog” are competent investors (Thanks to Manish for making us competent) who know what exactly is required and don’t spend too much time like “day traders”.

    As regards to some negative comment on your iterm blog, DON’T WORRY on that.
    I don’t feel there was anything wrong in the blog (logo is also OK) since you have also summarized by giving +ve/-ve points and it is OK for a financial consultant to write a review of a product / company.
    Readers should take relevant points and they should also do some work / research before buying a product (There is nothing like a FREE LUNCH……)

    Keep up the good work !!
    keep blogging….


    1. manish says:

      Thanks JP , i will keep it in mind

  18. chandra says:

    Hi Manish

    i am a regular visitor to your blog and learned so much about personal finance. Thanks for your suggestions. I would like your suggestions on following topics.

    > NPS
    > Monthly income funds (MIP) and how to differ with Debt funds which one is good depending upon risk takers
    > what kind of help you get from financial planner and what you look for, how to reach them
    > different saving schemes depending upon risk like FD is safest with no risk and equity is high risk and high returns

    1. manish says:

      NPS : Hold on on this . you can do better

      MIP : MIP are different kinds , risky and safe , govt and pvt , etc .. so you should look at for more .

      Financial Planner will act like a Doctor to your Financial life and tell you what to do , what not to do .. and he will plan for each part . You can find them in FPSB directory , you can also contact me 🙂

      These are the product with increasing risk and return

      FD -> NSC -> PPF -> FMP -> Debt funds -> Balanced Funds -> Equity Funds -> direct shares -> options

  19. Rakesh says:


    You are doing a wonderful job by educating and advising each one of us. Don’t pay too much heed to such comments and concentrate on the work in hand. There is not a single day that i don’t visit your blog.
    Keep up the good work.


    1. manish says:

      Really !! .. Not a single day 😉

      I am glad 🙂


  20. manish says:

    Thanks for the support ravi

    I will remember your words 🙂


  21. Ravi says:

    Hey Manish,

    Just keep going…
    These small small hurdles will be always there…But don’t let these stop you from helping the society in your very own unique way….

  22. balasubramaniaguhan says:

    first of all you cannot satisfy everbody.Second thing you cannot expect everbody like whatever you say.Third even magazine like outlook money comment on the ULIPS/mutual fund.May you can be careful in your wording like instead writing buy/don’t buy you can comment on the pros ans cons of the product

    1. manish says:

      yes .. I understand that 🙂

      I would make sure that i choose right words from next time 🙂


  23. Amit says:

    Hi Manish
    First of all let me congratulate on your website. All your articles are awesome. Infact you have also inspired me to an extent to write my own blog.
    I wrote about Aegon Religare iTerm Plan on my blog a few days before you did as I was also impressed by the Aegon price tag and innovative sales channel.

    I am not sure if you are a dedicated finacial planner and what is etihical for them to do but all in all I would suggest theres absolutely no wrong in promoting products which you feel is good.
    Its just that if you gain anything from such promotions include a bold “Disclaimer”.

    Keep the good work going.


    1. manish says:


      thanks for your views 🙂 . Congrats for the blog 🙂 . Looking forward for great ideas 🙂


  24. Ganesh Iyer says:

    I think you have an excellent financial aptitude and you should just keep it up. You have the art of making the most abstruse of topics look simple (Case in point – How much insurance do you need?) and hence the fan following. I too am of a similar age and thought I knew a lot about Personal Finance but after reading your blog, I was humbled. So please continue the good work and do not stop reviewing products. There are two advantages to this:
    1 – Reviewing real world products bridges the gap between theory and practice
    2- It gives you a lot to write about 🙂

    That said – I agree with Akbar that the tone of i-Term insurance blog did sound a little biased. I would write it off as just your enthusiasm for the product that made you “own” the product and defend it against the negative comments. To be frank, that put me off a bit as well.

    Remembering a dialogue from a famous movie – With great power comes great responsiblity 🙂 You have a great reputation and the power to change the way a lot of people think!

    1. manish says:

      Thanks Ganesh

      I will try to keep the tone less biased next time .. Thanks for your comments

  25. Manish Jain says:

    The fact that you brought it up with your audience at large is very good. People are looking for honesty and transparency which you have shown by talking about it. I attended the Aegon bloggers meet in Bombay but didn’t write about it, but there was NO push to write about the iTerm policy.
    .-= Manish Jain´s last blog ..Who is Next After Dubai? =-.

    1. manish says:

      Thanks Manish

      You dont write much on Finance , right 🙂

  26. aloksharma says:


    You are doing a fantastic job and my suggestion is to simply keep doing it.

    Ponder over the line below:
    “If my critics saw me walking over the Thames they would say it was because I couldn’t swim.”
    — Margaret Thatcher

    1. manish says:

      Thanks Alok

      nice quote 🙂

  27. manav says:

    Manish, First of all – Great Blog.
    I read your posts religiously, though I seldom comment on them.

    I don’t think you went overboard with AR company. I feel the same way you do. I have recommended the company to many of my colleagues for their term plans.

    Sometimes people confuse enthusiasm for oversell. You are not the first person to face it. You definitely will not be the last. But don’t let this stop you from reviewing the other products.

    1. manish says:

      Thanks Manav .. keep commenting .. when you comment, you learn more ..


  28. Vinod says:

    Hi Manish,

    I would recomend that you don’t get demotivated with such feedbacks as this is only an experience a person has faced
    The comments given by the blogger can be ignored as it is not appropriate to write such messages.
    I would still recommend you to continue the good work that you have done of giving comparison and suggestion of different policies.
    The final decision whether to take or not lies in the reader’s decision.

    1. manish says:

      Thanks Vinod 🙂


  29. Ganesh says:

    Everyone is entitled to an opinion. You are and so is everyone. And a basket of apples will have at least one rotten. Be it writers or readers. As long as it is in the true spirit, it is all fair – positive or negative. No one can (or should) stop you from writing and no one can (should) stops readers from commenting. You are putting your best efforts in writing stuff. Most of the readers (1000+) understand that. Don’t let one (and a weak 1 that is) negative comment pull you down. So keep writing.. 🙂
    .-= Ganesh´s last blog ..Heads who wins? Tails who wins? =-.

    1. manish says:

      Thanks Ganesh

      I commented on your last post 🙂 . have a look


  30. Himanshu says:


    I dont think at all that your writings are biased. Infact i would like to refrain those who has given such weird comments.

    Please dont have your invaluable financial advises affected by such baseless postings 🙂

    One of your fans!


    1. manish says:

      Thanks Himanshu 🙂


  31. Akbar says:

    Firstly you had a choice to edit that comment but you did not. That shows your honesty and integrity
    However the world goes by impressions and there is a distinct difference between our earlier posts for example

    and the post on iterm. Where is the analysis? You did not sound like a critic. This is the problem. In how many posts have you displayed a company logo prominently? I know its too young to review. That’s the point. Instead of asking us to wait you should have waited before you posted!

    The fundamental idea behind term insurance is financial security for the family. Buying cheap insurance from a company which you say was overwhelmed then realized they are lazy sounds illogical. It beats the purpose if the company folds after a few years.

    Its important to realize practically none of the private insurers are registering profit and its always a risk. Solvency ratio talk is illogical . How can LIC survive with the lowest ratio and high claim settlement ratios. Of course it has govt support ….
    I am not here to give other companies a chance! I am looking for security.
    Someone wrote reg LIC dont compare apples and oranges. Why should I compare? I will choose the trusted LIC orange. After all when it comes to bad service Aegon Regliare seems to competing well with LIC!! Other insurers must be enjoying comments here and waiting for AR to fall

    A financial planner should not point customers to a particular product. This will lead to unnecessary allegations (unfounded as they are). This involves conflict of interest. Its best for them to always give 2/3 examples of good products in every area so that the customer can choose.
    This is one reason why I think at least some people don’t want to use financial planners. In principle if someone has enough free time they can do financial planning on their own. For example your post on how to do retirement planning in 6 steps (I think) is a great post.
    Since you have started financial planning yourself if you say financial planning cannot be done by an individual I will interpret it as conflict of interest!! (just kidding)

    Take care and keep blogging.

    1. manish says:


      Displaying the company logo was a mistake i now realise 🙂 . So let me take that back . It was mainly because it was a dedicated post on AR and not different mutual funds in one like the earliar post . My bad !! .

      Regarding sounding the critic to AR . I wrote what I felt writing and I already said people who are not risk taker should not put money here . So anyone who prefer to choose safer bet should go for LIC . At the end blog is a personal view after all , Just because people trust and like other articles does not mean that people should trust every word . at the end they have to think themselves and take decision .What do you think about this ?

      Also try to understand the reason of the post . Its written mainly to let people know what are the new things coming in market. So that people who are interested in it do not miss out . There are many people who are interested in the product and I am one of them ..

      I now realise that yes , it was bit promotional and let me edit the post . Thanks for your valuable insight on this . appreciated


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