
Prem Soni
@ValueWithPrem
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Personal Finance | Business Analysis | Asset Protection | Jeweller | NISM Certified Research Analyst |
Joined April 2020
You buy insurance thinking your wife & kids are safe. Reality? They might not get a single rupee. Unless you use this 150 year old law that makes the payout 100% untouchable
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Have you ever been forced to buy an add on to get a product? Comment your story below let’s expose these tactics. RT to spread awareness Follow @ValueWithPrem for money truths brands won’t tell you.
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Always question. Always say no when something feels off. They only take advantage of customers who don’t push back. The moment you speak up they fold.
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This is how big retail stores quietly push insurance, add ons, and extended warranties to meet hidden sales targets. Most customers stay silent. That’s how they make crores one forced upsell at a time.
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2 minutes later… I got a call. Sir, please come back. You’ll get the iPhone without AppleCare+. So suddenly the policyvanished. What changed in 2 minutes? Simple they were caught.
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I told them straight This is unethical sales. AppleCare is optional, not mandatory. He still didn’t agree. So I said, Fine. I’ll share this publicly on X I have good followers And I left.
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I asked them clearly So you’re refusing to sell the iPhone unless I pay extra for AppleCare? He said, Sir, we’ve been told to sell it this way only. So basically: No AppleCare = No iPhone. And people quietly accept it.
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After waiting for weeks, I finally got a call from Croma Sir, your iPhone is in stock. But then came the twist: This particular device will only be sold if you also buy AppleCare+. Wait… what? Ye aage se isi tarah aya hai!
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You won’t get an iPhone 17 Pro Max if you don’t buy AppleCare+. That’s what the @cromaretail executive told me. I had booked one for my wife weeks ago and what happened next will shock you 👇
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Everyone’s talking about a Gold & Silver bullion shortage but what if I told you. Bullion dealers often hold back stock to protect themselves from volatility and earn higher premiums. This isn’t new even earlier, when prices fluctuated, na bhaav batate the aur na sauda book
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RT this to wake up a few silver is flying investors. If currencies keep falling and metals keep rising, is silver the next opportunity or a warning sign for the global economy? Follow @ValueWithPrem for more truths the financial world won’t tell you.
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9. So before you say silver is flying, remember it’s not silver that’s rising. It’s your currency that’s falling. That’s the real truth about wealth preservation. Disclaimer: This thread is for educational purposes only. It is not investment advice.
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8. But before you jump in understand this: Silver can make you rich, but it can also ruin you. It’s one of the most volatile assets in the world. When it moves, it doesn’t walk it sprints. A 20 to 30% crash in weeks isn’t uncommon. During the 2011 fall, silver dropped over 60%
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7. Gold is already at record highs, attracting spillover demand in jewellery. • Silver is essential for EVs, solar panels, and electronics • Central banks are quietly increasing metal reserves If silver crosses that wall, it won’t just be a commodity rally it’ll be a currency
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6. But this time, things might actually be different. Silver has tested the $48/oz barrier three times in history 1980, 2011, and now, in 2025. If it breaks out decisively this time, it could start a multi year bull run because both technicals and fundamentals are finally
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5. This is where most investors get fooled. Silver looks like it’s rising because we measure it in rupees but in reality, it’s the rupee that’s collapsing, not silver that’s climbing. When your currency loses 90%+ of its value over decades, everything gold, silver, land appears
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4. And here’s the deeper truth Even if you look at silver in dollars today’s $48 per oz isn’t equal to $48 in 1980. Adjusted for inflation, that 1980 peak would be over $180 per oz today. So in real terms, silver hasn’t just stagnated it’s actually lost purchasing power over 45
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3. In 1980, 1 USD = ₹7.90 In 2025, 1 USD ≈ ₹88.79 That’s a 11x rupee depreciation. So what looks like returns in silver is mostly just the rupee losing its value over time.
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2. So how come silver looks like it’s skyrocketing in India, while globally it’s been flat for 45 years? The answer isn’t in silver it’s in the Indian rupee. What you’re really seeing isn’t a silver rally it’s a currency collapse.
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1. In 1980, silver touched $48 per ounce. After that, it crashed and took nearly 30 years to recover. In 2011, silver again hit $48 per ounce, failed to break out, and crashed once more. Now, in 2025, silver is again around $48. That’s 45 years of going nowhere (in dollar
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