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Here’s a compilation of Personal Finance threads I have written so far. Thank you for motivating me to do it.

Hit the 're-tweet' and help us educated more investors

 Yes Bank’s additional Tier 1 bonds, written off. Lakshmi Villas Banks Tier 2 bonds, written off. Understand what & why of ATI and Tier 2 bonds in this thread.

https://t.co/VBmV2dwpPn (1/n)
'Floating Rate Funds' - A case for debt investing in the current interest rate situation (2/n)

https://t.co/8Ph8x2HfTE
Fixed Income investment strategies

It’s a misconception that FD, RBI Bond, PPF etc have no risk. The reason we don’t see the risk in them is because for us, risk ONLY means loss of capital. (3/n)

https://t.co/VSCLhaUY5O
Index Funds v/s ETFs

While index funds and ETF’s look similar, there are multiple differences you need to keep in mind before investing in either of them. Let me highlight the important ones (4/n)

https://t.co/m0Le7LN3sY
Physical Gold v/s Digital Gold v/s Gold ETF v/s Sovereign Gold Bond (SGB) (5/n)

https://t.co/v9MsmP5YlJ
With Kotak launching its International REIT Fund of Fund NFO, it is worth revisiting our old thread on Real Estate Investment Trust (#REIT). The Idea is to educate readers on REIT & share our view on the Kotak #NFO (6/n)

https://t.co/PMC24u9R26
Alpha is not fund return – index return (excess returns over benchmark), that’s called active returns and not Alpha. Alpha means excess returns over ‘minimum expected returns’ from the fund (7/n)

https://t.co/Rt5ExLrfHD
Parag Parikh Long Term Equity fund will be introducing 'covered call strategy' in the fund. This can be a game changer for the fund in a market that does not steeply go up or moves up gradually or stays sideways or even falls (8/n)

https://t.co/rgPcpvo8dI
There seems to be a fair bit of confusion amongst investors on what’s happening in arbitrage funds. Let me explain the arbitrage space and how it works with MFs. (9/n)

https://t.co/BbixnidRgH
What was the NBFC package by RBI all about and will it help MFs? (10/n)

https://t.co/HQF8mXQC4t
I am afraid that media reporting that FT investors will receive money around the average maturity of the fund may not really work that way. Reports say, if FT Ultra short is 0.62 years Average Maturity, pay back will be roughly 7-8 months, I doubt! (11/n)

https://t.co/n8rVhBOBLi
RBI announced 50k cr Liquidity to the MF industry through banks. How does it work? (12/n)

https://t.co/jvbRjMiCU0
What is Long Term Repo Operation (LTRO) (13/n)

https://t.co/HzZHY261tr
What are #perpetual #bonds (perps) / additional tier 1 capital bonds (14/n)

https://t.co/T3pQwcv4vM
What and how of the National Pension Scheme (NPS) (15/n)

https://t.co/2PtmAUVtST
Liquidity is fueling the stock market rally says everyone. What is this liquidity? How does it get created? How does it fuel stocks, commodities? (Thread) (16/n)

https://t.co/uJ3tCBRhGI
In this #IPO frenzy market, lets talk about some basics around
-Angle/VC/PE
-Allotment process
-IPO Funding
-Grey Market

https://t.co/UEkqws3EVQ (17/n)
In such a low interest rate scenario, what if I tell you, there is a product, which pays 8.5%, tax free, default risk free & also gives you deduction under 80C, would you invest?

Follow this thread on EPF v/s VPF (18/n)

https://t.co/eiTdHXLI34
Markets at 40 PE and yet not falling. How do valuations actually work? A basic premier on valuations for retail investors (19/n)

https://t.co/XGhCR7uWvi
A basic primer on the banking sector, demystifying commonly used terms,
CASA
Wholesale Banking
Net Interest Income (NII)
Cost of Liability
Advances Growth
Gross v/s Net NPA
Provisions
SLR/CRR
Capital Adequacy Ratio
Net Interest Margin (NIM) (20/n)

https://t.co/GCuiG6r2Di
A basic primer on the Indian Paint sector

With the listing of Indigo paints, JSW entering the paint sector & now Grasim announcing to invest 5,000 cr in the sector, lets explore,
-Products
-Industry
-Company (21/n)

https://t.co/ESBPsOggIk
Immediate take aways from the budget 2021 for the tax payers and investors (22/n)

https://t.co/lVjqKhGVrl
A primer on 'Investing in Debt Mutual Funds' for retail investors.

Do hit the re-tweet and help us educate more investors (23/n)

https://t.co/nWo75mu02k
The what, why and how of the new 'Retail Direct' announced by RBI to allow retail investors to directly invest in the G-Sec market (24/n)

https://t.co/LlWQlc2GaR
What is currently happening in the Debt markets?

- RBI announcing 14 days variable reverse repo
- Government talking about 12L cr of borrowing
- RBI announcing 20,000 cr of OMO

Lets demystify! (25/n)

https://t.co/z9tabKUZed
After writing on Banking & Paints, this thread focuses on the 'Logistic Sector'.

This thread covers,
- Macro
- Business Model
- 3PL & 4PL
- Valuation (26/n)

https://t.co/Qxet4dFhvM
Why increase in Bond yields is creating panic in the equity market?

Also, how does Gold generally react in such times? (27/n)

https://t.co/lNxju73EEV
Trying a YouTube video instead of a thread this time.

Topic - Invest in Passive at market bottom & active strategies at market top.

Video Link - https://t.co/T41hg1esOG (28/n)
Personal Finance 101 - All my learnings from the mistakes I made & see investors make. (29/n)

https://t.co/LA2G5jDLG2
Not sure of how will the Debt mutual funds react to the change in valuation rules of AT1 & Tier 2 bonds and what should you do? (30/n)

https://t.co/C0vB5osREU
A primer on small saving schemes (31/n)

https://t.co/Tq9gFx4TVm
What are covered bonds? (32/n)
https://t.co/u8DyN5gtAb
A primer on InvITs (33/n)

https://t.co/WLgemQ32kN
A primer on the sugar sector. How it works, global perspective and what to look for in the sugar companies (34/n)

https://t.co/3yrADkxKQe
A primer on the Steel sector (35/n)

https://t.co/b4h5nsceG5
What are fund of fund (FOF) schemes in a mutual fund, types, taxation and valuations (36/n)

https://t.co/rqnhXt1wkW

More from Kirtan A Shah

Kirtan A Shah
Kirtan A Shah
@KirtanShahCFP
𝐀 𝐩𝐫𝐢𝐦𝐞𝐫 𝐨𝐧 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 & 𝐂𝐫𝐲𝐩𝐭𝐨𝐬 🧵

I still everyday meet investors who think Bitcoin & Blockchain are the same & this thread is specifically for them

Do re-tweet & help us educate more invetsors ☺

#Investing #Cryptos #Bitcoin (1/n)

(Q1) Lets start with what was historically used as a method of payment?

- Barter system, you give me a cow and I give you 100 kgs of rice (2/n)

(Q2) So why dint we continue with the barter system?

- It was difficult to transact in fractions
- What if I want only 50 kgs of rice? I cant give you half a cow right?
- This is the prime reason for the introduction of smaller units of payment method we now call as coins (3/n)

(Q3) How did Gold coins get shortlisted for the job?
- It was malleable & portable
- It was non corrosive, could be stored for a long time
- It was a perfect combination of abundance & rare
- Plus it was eye catching & visually appealing (4/n)

(Q4) What about paper currencies?
a) When paper currencies were introduced, it was decided that a country could only print as much currency as the gold reserves they have but this was withdrawn in 1971 bcoz of which the central banks could then print as much money as they wanted
BITCOIN
Kirtan A Shah
Kirtan A Shah
@KirtanShahCFP
Learn about the STEEL SECTOR in this thread

The demand for steel is generally only 1.2 times the GDP & there is no significant growth in our GDP but still the sector has rallied relentlessly, lets try & understand

Do ‘re-tweet’ & help us educate more investors (1/22)
#Investing

The metal sector is broadly divided into 2,
-Ferrous is a category of metal that has Iron in it, Steel as an example
-Non-Ferrous is a metal, which does not have Iron content, Aluminum, copper, lead, nickel, Zinc etc.
This thread focuses on Ferrous & hence Steel (2/22)

To start, lets understand with how steel is made (its important).
Iron ore is mined, it is then first converted to Iron & Iron is then converted to Steel. There are 3 processes of making steel
-Blast Furnace
-Scrap Metal
-DRIP/Sponge
We will discuss all three (3/22)
ALL , SECTORLEARNINGS , STEELSECTOR
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Kirtan A Shah
Kirtan A Shah
@KirtanShahCFP
Personal Finance 101 – My learning’s about investing

This topic is for everyone, whether you manage your money yourself or through your advisor, it will go a long way in managing your finances.

Do re-tweet & help us educate retail investors (1/n)


Subscribe to our YouTube for some interesting educational content around Personal Finance - https://t.co/jvgNEDWiAZ

And you can also join our Telegram channel for regular updates – https://t.co/Ekz6I8pDGt (2/n)

(1) Lets start with Life Insurance

Term Insurance is the best way to take an insurance cover & probably the only product to buy in life insurance. Make sure u disclose all the necessary information before taking the insurance. Smoking, Alcohol, any pre-existing deceases etc(3/n)

Have atleast 10-15 times of your annual income as insurance cover

But there are variants of term insurance that you should avoid (4/n)

(A) Term plan with return of premium

For a non-smoker born on the 1st Jan 1985 & policy term 39 years (till age 75), the regular premium for a 1-cr term insurance is 22,157 (inclusive of GST) but with returns of premium is 42670 (inclusive of GST). An increase of 20,513 (5/n)
GENERICLEARNINGS
Kirtan A Shah
Kirtan A Shah
@KirtanShahCFP
Should you add more in Equity or redeem right now?

A thread 🧵to guide retail on why & what should they do at these historic market highs.

Do ‘re-tweet’ and help us educate more retail investors (1/n)

#investing #StockMarket

Some investors feel that markets are trading at a PE of 27 vs 10 years historical average of 20 and a market-cap to GDP of 105 vs historical average of 79 and hence markets look expensive (2/n)


But, in such crazy liquidity driven markets, prices can move much ahead of the fundamentals & suddenly we start hearing commentaries of how the market is pricing in the earnings of FY 22 & 23 to justify the rally

If you r new to fundamentals, 👇 can help


Results for Q4 have come out very well but that is also because of the lower base effect of the last year.

Over the last many years, markets have corrected 10-15% each calendar year. Can it happen this year as well? Can very much and that can be a great entry point. Why? (4/n)


There are a lot of over hangs in the near term,
-Crude going up
-$ index moving up
-Inflation moving up
-COVID uncertainties
All of the above are –ve for markets & liquidity on the other side driving markets up, its impossible to judge the near term movement of the markets (5/n)
STOCKSLEARNINGS , ALL , PE THREAD
Kirtan A Shah
Kirtan A Shah
@KirtanShahCFP
(Thread) With Kotak launching its International REIT Fund of Fund NFO, it is worth revisiting our old thread on Real Estate Investment Trust (#REIT). The Idea is to educate readers on REIT & share our view on the Kotak #NFO

Do ‘re-tweet’ & help us educate more investors (1/n)

What’s a REIT?

Lets say I am a RE developer, K Raheja. I like a land in Mumbai & Hyderabad 4 some commercial development. I decide to buy it. Where will I get the monies 2 buy & construct it?
1. Self
2. Bank, NBFC, MF - Debt
3. Partner – someone else investing as Equity (2/n)

So I invest some monies, got some 4m banks & MF’s & I also got Blackrock to invest 2 buy the land & make the business park called 'Mindspace'. I constructed around 23-mn sq ft with multiple building & I started leasing them out to companies who wanted rented office premises (3/n)

There comes a point where I needed more monies to build new building, pay off the loans etc., where do I get the monies? So I decide to do an #IPO. Not of the entire company K Raheja but only this project called Mindspace. So I formed a trust or corporation (4/n)

I commit to payout 90% of my rent income to the shareholders proportionately as dividends & I will use this IPO money to invest a minimum 80% in completed real estate, which is generating rent & will use 20% in constructing new Real Estate or lend to some other developer (5/n)
SECTORLEARNINGS

More from All

Jig's Patel
Jig's Patel
@jigspatel1988
Thread on
"Intraday Banknifty Strangle based on OI data"

(System already shared, today just share few examples)
(1/n)

-Trade timing after 9:45

-Check Banknifty change in OI data at 9:45, and identify the highest OI built up in call side and put side

-We will sell both strikes with combined premium as SL on both legs.
(2/n)

28th June 2021

BN open-35440
At 9:45 trading at 35350
Highest OI in call side at 35500 CE and 35000 at put side
Strike selection 35500 CE- 35000 PE
(3/n)


29th June 2021

BN open-35323

At 9:45 trading at 35112

Highest OI in call side at 35300 CE and 35000 at put side

Strike selection 35300 CE (232) - 35000 PE (150) Combined premium 382 , Both legs SL 382
(4/n)


30th June 2021

BN open-35030

At 9:45 trading at 35002

Highest OI in call side at 35000 CE and 35000 at put side

Strike selection 35000 CE(176)- 35000 PE(213) Combined premium 389 , Both legs SL 389
(5/n)
OPTIONSLEARNINGS , OPTION SELLING , ALL
Jaya_Upadhyaya
Jaya_Upadhyaya
@Jayalko1
MEENAKSHI AMMAN, MADURAI (TN)
#bharatmandir #navratri2021

A paadal Petra sthalam where Shiva took the form of Sundareswarar (the handsome one) and married Devi Parvati (Meenakshi).
Devi is also known by the name Angayarkanni (mother with the beautiful fish eyes).
@GunduHuDuGa


Devi Meenakshi emerged from yagna fire as a 3 year old girl when Pandyan King Malayadwaja and Kanchanamalai were praying for a child.
It is said that Devi was born with three breasts and there was a prophesy that her superfluous breast would melt away when she met her husband.


Devi ruled over Madurai and captured Indralok. She went on to capture Kailasha. When she saw Shiva, her 3rd breast disappeared and she realised that Shiva would be her consort.
The divine marriage was attended by all Devas and Sri Vishnu (as her brother) gave her hand to Shiva.


It is said that Indra found a swayambhu lingam at Kadamba Vanam. He placed it in Madurai where the kshetram stands. Here, Shiva is seen on the vehicle of Indra.
The Golden Lotus Tank is said to be the place where a golden lotus blossomed for the puja performed by Indra.


The Meenakshi Thirukalyanam festival is celebrated in the Chithirai month to mark the divine marriage of Meenakshi Amman. The festival includes a procession where Meenakshi and Sundareshwara travel in a chariot and Sri Vishnu gives away his sister in marriage to Shiva.
ALL
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Anu Satheesh
Anu Satheesh
@AnuSatheesh5
Story of Thumba Poo and Shiva

Thumba poo is a tiny white flower which grows in all areas. These flowers are used for treatment for sinus. Small children who have polyps in Nose are told to crush tumbha leaves and apply in nose part.
There is an interesting story of Thumba and


Mahadeva. Thumba flowers were not taken for Shiva Pooja. Saddened to this Thumba prayed sincerely and Mahadeva appeared before her.
She was surprised that Shiva had appeared before her. Instead of saying that she wants to under his feet always, she said
@SriramKannan77


She said that her feet should be on his head. Shiva accepted her prayers. It is because of this Thumba flower is placed in the head of Shiva Linga.
Shambo Mahadeva
Om Namah Sivaye
🙏🕉🙏
ALL
Billy Bostickson \U0001f3f4\U0001f441&\U0001f441 \U0001f193
Billy Bostickson 🏴👁&👁 ...
@BillyBostickson
1. Mini Thread on Conflicts of Interest involving the authors of the Nature Toilet Paper:
https://t.co/VUYbsKGncx
Kristian G. Andersen
Andrew Rambaut
Ian Lipkin
Edward C. Holmes
Robert F. Garry

2. Thanks to @newboxer007 for forwarding the link to the research by an Australian in Taiwan (not on

3. K.Andersen didn't mention "competing interests"
Only Garry listed Zalgen Labs, which we will look at later.
In acknowledgements, Michael Farzan, Wellcome Trust, NIH, ERC & ARC are mentioned.
Author affiliations listed as usual.
Note the 328 Citations!
https://t.co/nmOeohM89Q


4. Kristian Andersen (1)
Andersen worked with USAMRIID & Fort Detrick scientists on research, with Robert Garry, Jens Kuhn & Sina Bavari among


5. Kristian Andersen (2)
Works at Scripps Research Institute, which WAS in serious financial trouble, haemorrhaging 20 million $ a year.
But just when the first virus cases were emerging, they received great news.
They issued a press release dated November 27, 2019:
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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! 👉
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Vibhu Vashisth
Vibhu Vashisth
@VIBHU_Tweet
IT WAS RISHI KANADA WHO GAVE THE ATOMIC THEORY & TALKED ABOUT THE GRAVITY OF EARTH, 2600 YEARS BEFORE AN APPLE FELL IN FRONT OF NEWTON'S EYES:

Scientists of the modern world credit an English scientist John Dalton (1766 CE -1844 CE) for the Atomic Theory.


And this is because, most of us are not even aware of an ancient Indian Sage named Kanada, who was the first to formulate the theory of atoms, almost 2600 yrs before Dalton and talk about earth's gravity.


Rishi Kanada was born around 600 BCE in Dwarka, Gujarat and he was the son of a philosopher named Ulka. He was fascinated with the minute detailing of the things right from his childhood. Once, when he was very young, he accompanied his father on a journey to Prayaga.


He saw plentiful grains scattered along the path leading to the shore of river Ganga. It's a tradition in Hindu families to scatter the grains for the ants and birds to feed on them. Suddenly, an ant caught his attention, who was feeding on a rice grain.


He was mesmerised by this very fact that how a small grain of rice becomes food for the ant but to satisfy the hunger of a person so many grains are needed together. This incidence made him realize the importance of a single grain of rice.
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Vigilant AFA
Vigilant AFA
@AfaVigilant
One fascist to watch in 2021 is Joseph Charles "Oakman" Golinske of SE MI. He's been a Proud Boy for a couple years, but took a break recently from the group and promotes himself through the "Oak Nation" channel on Telegram.


Most people may be familiar with him as the tall guy in the Proud Boys bridge shot, from their August 17, 2019 attack on Portland, which featured an American Guard bus trying (and failing) to bludgeon antifascists with hammers.


He was also with his g/f at the time (Dominique Tota, left of Tarrio), and that's definitely a twitter account folks will want to block/report because he posts on it.


He's been plenty active at the pro-Covid/anti-mask/ReOpen protests in Lansing MI, seen here with Jerry Wayne and an effigy of Gretchen Whitmer, who his militia friends tried to kidnap and publicly execute.


Outside of the Proud Boys, his solo "career" with Oak Nation features the same misogyny, classism and gateway to far-right domestic terrorism the Proud Boys themselves feature. Here's him peddling oxychlorinque and bragging about harassing service workers.
FOR LATER READ
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Julien \U0001f332
Julien 🌲
@julien
1/ there is this sense when you are young that your accomplishments need to be a list of things that seem impressive to others. A list of several items you did.

This isn't actually right, so here is another suggestion.

2/ I remember being 26 and writing about reading 52 books a year. I wrote blog posts about it. They got copied. It became "a thing." Now it's in Twitter bios. It looks impressive but it's insanely useless and I shouldn't have done it.

3/ what I should have known at that time is that only young idiots like myself, with no accomplishments, find list of tiny achievements impressive. Anyone who has actually done anything of substance doesn't gaf

4/ what is actually difficult, and worthwhile, instead is to do ONE single thing for a very, very long time. It's much harder and much rarer and results in outlier outcomes much more often.

Of course you can find this out too late if you are chasing the dragon of Ted talks etc

5/ if I had only worked on a startup for a year, I would've gotten nowhere, the same way that if you lift for 3 months, it achieves nothing. Everything good in life comes from perseverance, but at the beginning, you're just like "I need to be somebody!!!"
LIFE
John Papa
John Papa
@John_Papa
Choosing the Right JavaScript Framework

Thanks for joining me @pluralsight to talk about javascript frameworks. We had 150+ awesome questions, so I'll try to answer the ones I couldn't get to online right here in a tweet stream

Watch the video -->
https://t.co/G7zeiKhXme


Q. Do arrow functions really make dealing with JavaScript's "this" keywords easier?

A. Yes! When using arrow functions, the scope of "this" is effectively passed in from the outer scope. See here in this REPL

1/n


Q. Where does Polymer fit in? Is it considered a framework like the others?

A. @Polymer is an excellent way to create web components, which are ideal for creating sets of interactivity that can be shared in web apps.

2/n

Q. Have we gone framework crazy?

A. At one time, quite possibly. A few years back we literally had framework overload. I feel it really has solidified into a few very strong choices.

3/n

Q. [Is] there no more need for @polymer?

A. See my previous question on this ... but in general, I think there is a lot of room for Web Components with frameworks.

4/n
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Corey Gwin
Corey Gwin
@corey_gwin
Great thread full of potential https://t.co/jA8h08M48z ideas! 💡

📸 Social disposable camera app

Create a digital "roll" with friends. Take pictures from the roll. You can't see them until: the roll is used up, a time limit expires, or you get to a specific location.

🎙 Asynch interview platform

Send a guest a video or audio clip asking a question. Guest replies when able with same medium. Repeat. When done, share produced video/podcast.

✅ 24 Hour Startup Checklist/Overlay

A web app to track the progress of your project: ideation, naming, shipping code, launching.

Page can also be a dynamic browser overlay for live streaming.

Have tools for polls, surveys, sharing, launching to various outlets, etc.

👩‍⚖️ Healthcare "Lawyers"

If health insurance screws you over, no one has your back but you. Instead, can pay a small monthly fee to a service to take care of BS like this for you should issues arise.
TECH