BC ALL
Saved by @Saurabh68372705

You want to buy a house.

You take a loan from the bank.

The bank asks you, “what if you don’t pay back?”

You say, “take my home and sell it”.

(Thread)

 That makes sense. The bank gives you a loan and in case you don’t pay, the bank will take over your house and sell it and recover its money.

That’s collateral.
Banks also lend money to big corporations. With them, banks don’t always have collateral.

So a loan where the bank has collateral is considered safer for the bank.
In the early 2000s, the banks in the USA were giving out loans to people for buying houses.

The economy had just recovered from the tech bubble in 2000 where many banks had given out loans to businesses that had shut down.
In that backdrop, the banks found giving home loans safer.
At the same time, the real estate prices were climbing steadily. So the banks weren’t as worried about the loans since they thought they could always sell the house and recover their money. Probably even more than they were supposed to get.
Banks can sell loans to other institutions. When they do so, the money need not be paid back to the original bank but to the new owner of the loans (or mortgage).

They did so.
Investors loved the idea of a safe loan that was backed by collateral. So there was a great demand for buying mortgages from banks.

Banks made good money by selling these loans. There was a demand for it.

So they started giving out even more loans to supply the high demand.
In doing so, they started giving loans to people who weren’t as credit-worthy (people who weren’t as likely to pay back).
Nobody was too concerned about this because they thought, if these low credit-worthy borrowers didn’t pay back, the bank could always take over their property and sell it to recover the money.
So, here’s what was happening at this point:

Banks give out money to borrowers to buy a house.
Then, banks sell this mortgage to institutional investors.
So they again have money.
This money they lend out again.
Again, they sell this new mortgage to institutional investors.
This continues.

And so does the price of houses.

But towards the end of 2007, many people start defaulting on their loans.

No big deal.
The mortgage owners can sell the houses and recover their money.

They start putting these houses up for sale.

More people default on their loans.

More houses come on sale.
Here’s where it becomes bad.

Supply and demand kick in.

There are so many houses on sale and not enough buyers.

So house prices start falling.
Suddenly, mortgage owners realize they can’t recover their money back.

More borrowers start defaulting on their loans. More houses come on sale. Houses continue to become so cheap, borrowers cannot recover their money.

Banks run out of money to lend.
Without money to lend, other industries that rely on loans to operate (like the auto industry, construction industry, etc) cannot operate.

With some industries slowing down, the economic cycle starts getting affected.
One industry affects the other and soon, most industries are down and suffering.

With that, comes job losses.

With job losses, comes reduced spending.

With reduced spending, comes a slowdown.
This is the extremely simplified story of how the 2008 recession happened - also called the Great Recession.

Right after the 2000 tech bubble, investors and the entire economic system was determined to avoid another tech bubble.
In doing so, they let the housing bubble build and finally burst in 2008.

The US being such a major economy, this recession affected the entire globe.
The US Fed printed money and managed to stimulate the economy back into health over the next few years.

The impact of such massive events is that people’s focus is on making sure the same doesn’t repeat.
From around 2012-2013, every few months you’d hear someone talking about the impending recession or bubble.

That continued right from 2012 to 2020.

In 2020, the markets fell just as sharply.
But this 2020 market crash wasn’t caused by a housing bubble or tech bubble.

It was caused by a pandemic - a threat nobody quite expected or saw coming.
The next recession, whenever it comes, hopefully, will be much farther away and milder in nature, will probably not be caused by a housing bubble or a virus
It’ll be caused by something that the markets by large aren’t prepared for or cautious about.

The lesson for the investor is the same be it the tech bubble of 2000, the Great Recession of 2008, or the pandemic of 2020.
Make sure you have enough emergency money kept safely, make sure you invest in a diversified manner to keep safe from sudden shocks, and always keep a safety margin in your investments.
Another important control every investor needs to have is control over their own fear and greed.

Don't get too greedy when the markets are good. Don't be too fearful when the markets are bad.
Recessions have been different each time.

But the same investment strategy has done well through all those recessions.

More from All

Aditya Todmal
Aditya Todmal
@AdityaTodmal
A Thread on the Boss himself @Mitesh_Engr

Mitesh Sir's Positional Option Selling 101:

• How to find direction
• Which options to sell
• How to deploy capital
• Exit criteria
• What ROI he targets weekly
• What % risk he takes

Done with the help of @niki_poojary


How @Mitesh_Engr Sir finds the direction?

• Daily charts S/R
• 75 min charts S/R
• Intraday trend
• Always play directional
• Never trades in strategies


Which options to sell in weekly expiry according to @Mitesh_Engr?

• Weekly candle High/Low
• Sell 1% away options from those
• Exit when levels breached


Position Sizing by @Mitesh_Engr Sir.

How to deploy your capital?

• First sell 20%
• Pyramid the next day
• When to exit
• What to do when view goes wrong
• What to do with idle capital


Some important tweets of @Mitesh_Engr Sir

• What Data to look at
• ROI for safe players per month
• Max risk per day
• Gather knowledge and play directional
• Never play strategies
OPTIONS LEARNING , ALL , MPLEARNINGS
\u0938\u093e \u0935\u093f\u0926\u094d\u092f\u093e \u092f\u093e \u0935\u093f\u092e\u0941\u0915\u094d\u0924\u092f\u0947
सा विद्या या विमुक्तये...
@raghav_aanya
कुंडली में 12 भाव होते हैं। कैसे ज्योतिष द्वारा रोग के आंकलन करते समय कुंडली के विभिन्न भावों से गणना करते हैं आज इस पर चर्चा करेंगे।
कुण्डली को कालपुरुष की संज्ञा देकर इसमें शरीर के अंगों को स्थापित कर उनसे रोग, रोगेश, रोग को बढ़ाने घटाने वाले ग्रह


रोग की स्थिति में उत्प्रेरक का कार्य करने वाले ग्रह, आयुर्वेदिक/ऐलोपैथी/होमियोपैथी में से कौन कारगर होगा इसका आँकलन, रक्त विकार, रक्त और आपरेशन की स्थिति, कौन सा आंतरिक या बाहरी अंग प्रभावित होगा इत्यादि गणना करने में कुंडली का प्रयोग किया जाता है।


मेडिकल ज्योतिष में आज के समय में Dr. K. S. Charak का नाम निर्विवाद रूप से प्रथम स्थान रखता है। उनकी लिखी कई पुस्तकें आज इस क्षेत्र में नए ज्योतिषों का मार्गदर्शन कर रही हैं।
प्रथम भाव -
इस भाव से हम व्यक्ति की रोगप्रतिरोधक क्षमता, सिर, मष्तिस्क का विचार करते हैं।


द्वितीय भाव-
दाहिना नेत्र, मुख, वाणी, नाक, गर्दन व गले के ऊपरी भाग का विचार होता है।
तृतीय भाव-
अस्थि, गला,कान, हाथ, कंधे व छाती के आंतरिक अंगों का शुरुआती भाग इत्यादि।

चतुर्थ भाव- छाती व इसके आंतरिक अंग, जातक की मानसिक स्थिति/प्रकृति, स्तन आदि की गणना की जाती है


पंचम भाव-
जातक की बुद्धि व उसकी तीव्रता,पीठ, पसलियां,पेट, हृदय की स्थिति आंकलन में प्रयोग होता है।

षष्ठ भाव-
रोग भाव कहा जाता है। कुंडली मे इसके तत्कालिक भाव स्वामी, कालपुरुष कुंडली के स्वामी, दृष्टि संबंध, रोगेश की स्थिति, रोगेश के नक्षत्र औऱ रोगेश व भाव की डिग्री इत्यादि।
ALL
Advertisement
Angad Singh
Angad Singh
@Singh7575
𝙎𝙝𝙖𝙧𝙞𝙣𝙜 𝙢𝙮 𝙬𝙞𝙨𝙙𝙤𝙢 𝑾𝒐𝒏'𝒕 𝒃𝒆 𝒔𝒖𝒓𝒑𝒓𝒊𝒔𝒆𝒅 𝒊𝒇 𝒕𝒐𝒎𝒐𝒓𝒓𝒐𝒘 𝒖 𝒓𝒆𝒂𝒅 𝒕𝒉𝒆 𝒔𝒂𝒎𝒆 𝒔𝒕𝒖𝒇𝒇 𝒊𝒏 50𝒌 𝒘𝒐𝒓𝒌𝒔𝒉𝒐𝒑 𝒐𝒓 𝒔𝒐𝒎𝒆𝒐𝒏𝒆 𝒎𝒂𝒏𝒂𝒈𝒊𝒏𝒈 𝒚𝒐𝒖𝒓 𝒎𝒐𝒏𝒆𝒚 𝒘𝒊𝒕𝒉 𝒔𝒂𝒎𝒆 𝒍𝒐𝒈𝒊𝒄
Simple and effective way 2 make Money


Idea 1:- Use pivot level like 14800 in case of nifty and sell 14800straddle monthly expiry (365+335) exit if nifty closes on daily basis below S1 or above R1

After closing below S1 if it closes above S1 next day or any day enter the same position again vice versa for R1

Idea2:- Use R1 and S1 corresponding strikes multiple
Incase of R1 15337 take 15300ce
N in case of S1 14221 use 14200pe
Sell both and hold till expiry or exit if nifty closes below S1 or above R1 around closing
If the same bounces above S1 and falls below R1 re-enfer same strikes

Use same criteria for nifty, usdinr and banknifty

(This is must)Use this margin rule for 1lot banknifty pair keep 4Lax margin
For nifty one lot keep 3Lax
For usdinr 100lots keep 4Lax

I bet you if you do this on consistent basis your ROI will be more than 70% on yearly basis.

Couldn't explain easier than this

Criticisms are most welcomed.
OPTIONSLEARNINGS , MONTHLY OPTIONS SELLING , OPTIONS LEARNING
Buzz Chronicles
Buzz Chronicles
@buzz_chronicles
@SaveToBookmarks Hey! Pleasure is mine. Original tweet by @AnJamison: "@TomthunkitsMind @buzz\_chronicles @buzz\\\_chronicles @buzz_chronicles save as ...". Thanks! ✌

Hello! There you go! Original tweet by @SaveToBookmarks: "@AnJamison @TomthunkitsMind @buzz @buzz_chronicles @pdfmakerapp @Readwiseio @thr...". See You soon! 👉
ALL
Buzz Chronicles
Buzz Chronicles
@buzz_chronicles
@UnrollHelper Salut! There you go! Original tweet by @AnJamison: "@SethAbramson @buzz\_chronicles @buzz\\\_chronicles @buzz_chronicles save as cat...". Cheers! 👌

Salut! Of course! Original tweet by @UnrollHelper: "@AnJamison @SethAbramson @buzz @buzz_chronicles @pdfmakerapp @Readwiseio @thread...". Enjoy ✌
ALL

You May Also Like

Nick Kapur
Nick Kapur
@nick_kapur
A thread of images from a Japanese illustrated history of America from 1861.

Here is George Washington (with bow and arrow) pictured alongside the Goddess of America. 1/


Here is Christopher Columbus (seated at center) reporting his discovery of America to Queen Isabella of Spain.

So far, kinda normal, but wait for it.... 2/


Now it's the American Revolution. Here is George Washington defending his wife "Carol" from a British official named "Asura" (same characters as the Buddhist deity). 3/


And here is Washington's "second-in-command" John Adams battling an enormous snake. 4/


Here is Washington and his wife "Carol" meeting an extremely youthful Benjamin Franklin, who has an impressive squat. 5/
CULTURE
Fidato
Fidato
@tequieremos
A thread on the life and achievements of Muhiyudin Sayyid Abdul Qadir Jillani RadiAllah who served Islam infinitely as the Reviver (Mujadid) of the 11th Century!


Muhiyudin Sayyid Abdul Qadir Jilani (RA) was one of the greatest Islamic Saint, Scholar, and Jurist. The honorific Muhiyudin denotes his status with many Sufis as a "reviver of religion". Jilani refers to his place of birth. He also carried the epithet Baghdadi.

[1]

Sheikh Abdul Qadir Jilani was born on the eve of the 2nd of Ramadan 470 AH. His birth was a great blessing for the Ummah. It was the arrival of the Sultan al-Awliya (King of the Awliya) of that era, which had been foretold for centuries before his birth.

[2]

When Hazrat Abdul Qadir Jillani was asked by someone what brought him to his high spiritual level, he said, The truthfulness which I promised to my mother. He related the following story:
"One day, on the eve of Eid al-Adhā, I went to my mother, who was then a widow and..

[3]

..and requested her, 'Send me to the path of Truth, give me permission to go to Baghdad to acquire knowledge, to be with the wise and those who are close to Allah. She cried, but she brought out 80 pieces of gold, which was all that my father had left as inheritance.

[4]
RELIGION
Advertisement
Simon Wardley #EEA
Simon Wardley #EEA
@swardley
X : Our executive team is concerned that we need to up our game in order to out innovate Amazon.
Me : Do you map?
X : Yes
Me : Like this?
X : No. What's that?
Me : A map of a tea shop.


X : Why is that a map?
Me : Long story, all to do with how space has meaning. To keep it short, maps help people to focus on user needs, the components involved, to communicate missing components and scenario play ideas like staff becoming robots.


Me : They’re also good for measuring and managing capital flow, making investment decisions, removing bias and getting rid of duplication.
X : I don’t see how that helps with innovation?


Me : Well, innovation is a tricky word because we use it to describe many things. If you’re talking about differentiation with the adjacent unexplored then you’re experimenting in the “uncharted” space e.g. immortality with magic provided by the special custom built kettle.


X : That sounds like nonsense.
Me : A lot of what people think will be the next great innovation is nonsense. Actually, most of it is. That’s the nature of the uncharted space, it’s experimental, high risk and generally results in failure.
X : We need more reliable innovation.
TECH
Vibhu Vashisth
Vibhu Vashisth
@VIBHU_Tweet
RISHI PINGALA:THE ANCIENT INDIAN SAGE DISCREDITED FOR HIS MAJOR CONTRIBUTIONS TO MATHEMATICS & PHI

Have you ever heard about,"The Golden Ratio"?
The Golden Ratio or Phi(Greek) is a mathematical ratio of nature. Mother Nature is the most exquisite artist in herself.


&Its this Phi she uses to create all the beauty in World.
If anyone uses this ratio correctly in their art,it can turn into a spell-binding piece of work.Such is the significance of'Phi'.But my thread isn't about it.Its about somethin called'Fibonacci Series'&who actually made it


Phi is related to Fibonacci series(0,1,1,2,3,5,8,13,21,34...)
&this series is responsible for everything dat is beautiful on this planet. Just try to calculate the ratio of any 2 successive numbers ÷ each of them by the number before it in above infinite series.

E.g. 3/2=1.5, 5/3=1.666, 8/5=1.6, 34/21=1.61904 and so on. Did you notice something? The ratio is coming almost same every time. This ratio is called 'Phi 'which is numerically represented as 1:1.618. This Golden Spiral is made in exact proportion of 1:1.618.


The thing I want to emphasize here is that we always find only those things appealing and attractive that have Phi. It's in our subconscious. Isn't it some revelation? We are the part of this Divine proportion of the God or the Mother Nature. Check these:
ALL
EverythingOppresses
EverythingOppresses
@SoOppressed
The first area to focus on is diversity. This has become a dogma in the tech world, and despite the fact that tech is one of the most meritocratic industries in the world, there are constant efforts to promote diversity at the expense of fairness, merit and competency. Examples:

USC's Interactive Media & Games Division cancels all-star panel that included top-tier game developers who were invited to share their experiences with students. Why? Because there were no women on the

ElectronConf is a conf which chooses presenters based on blind auditions; the identity, gender, and race of the speaker is not known to the selection team. The results of that merit-based approach was an all-male panel. So they cancelled the conference.

Apple's head of diversity (a black woman) got in trouble for promoting a vision of diversity that is at odds with contemporary progressive dogma. (She left the company shortly after this

Also in the name of diversity, there is unabashed discrimination against men (especially white men) in tech, in both hiring policies and in other arenas. One such example is this, a developer workshop that specifically excluded men: https://t.co/N0SkH4hR35
TECH