Greetings Sub. I am a Canadian NRI looking at retiring in India part-time (about 6 - 8 months a year). Our spending budget is about C$10 K per month (~7.5 K USD). Looking for suggestions on good places in India to retire. Key requirements are decent climate, healthcare facilities, transport connections and safety. I am 66 yo with wife 63 yo. I plan to be renting and not interested in buying property. I am fluent in Hindi and English but now have no close family in India. I have an OCI card.
Thanks in advance for your suggestions.

The stock market has taken ACN to the wood shed. Down 18% today! Down 70% from its high and -58% in a year. Forward PE of 9 basically saying that the company will never grow from here. Yet it delivered operating earnings growth of 7% y/y.

Enterprises’ strong demand to integrate AI into their IT systems should provide a lasting growth tailwind for Accenture. Accenture’s vast resources and scope make it uniquely positioned to meet the most challenging digital transformation needs, which deepens valuable client relationships. ACN has unparalleled brand power among prime IT business consultants. Brand power plays an important role when C-suites choose a consulting services provider because the services offered by consultancies are relatively abstract. ACN remains the preeminent IT consultancy for the global blue-chips.

Jim Chanos: The AI bubble is bigger than the dot-com bubble

Insperity (NSP) stock has crashed to new lows on what looks like temporary problems than a permanent breakdown of its value thesis. Recently, I have observed a spate of insider buying by execs at 10-year lows.

Insperity’s core value proposition is to help small and mid-sized businesses outsource the complexity of HR so they can focus on running and growing their core business. It bundles payroll, benefits, compliance, HR support, and talent-related services into one relationship, which reduces administrative burden and can give smaller firms access to capabilities they could not easily build in-house.

In practical terms, customers buy Insperity for three things: time savings, compliance support, and better employee benefits/HR infrastructure. That makes Insperity less of a pure software vendor and more of a high-touch business services partner with a people-first positioning. Insperity sells peace of mind and operating leverage to businesses that want professional HR without building and staffing a full internal HR department.

Insperity’s 2025 EPS and free cash flow per share declined mainly because benefits costs rose faster than pricing could offset them, compressing gross margin and operating profit. The company explicitly pointed to “continued elevated benefits costs,” including inpatient, outpatient, and pharmacy trends plus more large claims, as the key driver of the profit slump. A second factor was that revenue growth was not enough to protect profitability. Even though 2025 revenue was still growing, gross profit fell sharply and cash from operating activities turned negative in the reported quarter, which is consistent with margin pressure flowing through to free cash flow per share. Insperity’s model is sensitive to benefit-cost trends because it earns on managing payroll and HR services, but it also carries exposure to employee benefits economics. In short, 2025 was a margin compression year, not primarily a demand-collapse year. The company operates on thin operating margins so it does not take much to collapse the margin but subsequent price increases and improvements are not a huge deal either.

Insperity is responding with a mix of pricing, plan design changes, cost cuts, and organizational restructuring to offset elevated benefits costs. Management has said it is working on client pricing, contract changes, and plan changes with UnitedHealthcare, while also pursuing operating-cost initiatives to restore margins. I expect margins to fully recover in the next couple of years and the stock to recover as well. The stock can deliver a multi-bagger return as profit margins and multiple normalize.

Appliance manufacturer, Whirlpool Corp (WHR) stock price is now scraping levels last seen in the Great Financial Crisis in 08-09. The market was panicked then and it looks the same now. The stock eventually recovered with multi-bagger return in 3 -5 years for the intrepid investors who stepped in. This is the magic of buying panic.

There is no question that the business is asset heavy and deeply cyclical. But that is feature not a bug. It allows a patient investor to buy-in at the point of high pessimism and simply hold for a few years before selling back to the fools who sold it to you in the first place. Plus it pays a decent dividend (though that may be cut). The company has survived many such downturns in the past and odds are it will do so this time too. Also the recession the market fears may not arrive at all. What do you think? https://userupload.gurufocus.com/2052466574807441408.png