Love learning, especially about the universe🛸👽
Joined April 2020
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Victor Stone retweeted
买衣服一定要知道面料。
第一：聚酯纤维。
说白了就是涤纶。
优点是结实、不皱、干得快、便宜。
缺点是闷、不透气、起球、贴身穿不舒服。
你买运动服、外套、防晒衣，聚酯纤维行；
你买贴身穿的T恤、内衣、床品，尽量别买它。
看吊牌，写“聚酯纤维”的，就是它。
第二：纯棉。
透气、吸汗、亲肤、不扎人。
贴身穿，最舒服。
缺点是皱、缩水、干得慢。
你买T恤、内衣、床品，选纯棉的。
第三：莫代尔。
比棉软，比棉垂，还透气。
贴身穿，特别舒服。
缺点是容易变形，洗几次就松了。
你买内衣、打底衫，莫代尔行。
第四：羊毛。
保暖、透气、不闷。
冬天穿，最舒服。
缺点是扎人、缩水、贵。
你买毛衣、大衣，选羊毛的。
第五：羊绒。
比羊毛软，比羊毛暖，还轻。
贴身穿，不扎人。
缺点是贵、娇气、容易起球。
你买高档毛衣、围巾，选羊绒的。
第六：真丝。
滑、软、透气、养皮肤。
夏天穿，最舒服。
缺点是贵、娇气、难洗。
你买衬衫、裙子，选真丝的。
第七：亚麻。
透气、吸汗、凉快。
夏天穿，最舒服。
缺点是皱、扎人。
你买夏天的衬衫、裤子，选亚麻的。
第八：氨纶。
就是弹力纤维。
你买紧身衣、运动服、内衣，
里面加一点氨纶，就有弹性。
别买全是氨纶的，不透气。
第九：锦纶。
就是尼龙。
结实、耐磨、轻。
你买羽绒服、运动服、丝袜，锦纶行。
缺点是闷、不透气。
第十：腈纶。
就是人造羊毛。
保暖、便宜、不扎人。
你买毛衣、围巾，腈纶行。
缺点是起球、闷。
记住了：
贴身穿的，选棉、莫代尔、真丝、羊绒；
外套，选聚酯纤维、锦纶、羊毛；
夏天，选亚麻、棉、真丝；
冬天，选羊毛、羊绒、腈纶。
Victor Stone retweeted
Can I ask a STUPID tech question?
If I delete a photo from my phone, it's gone.
If I delete it from the trash, it's REALLY gone.
But hackers and governments can recover deleted data.
Where does deleted information actually go?
Victor Stone retweeted
The Secret Formula for Trading Success:
🔻🔻🔻
p
(K+B)
S = ────── x Log( C )
(F+E)
Where:
S = Success in trading
K = Knowledge about the market (measured in books read or videos watched)
B = The number of times you’ve listened to "Buy low, sell high"
P = Patience (measured in cups of coffee consumed while waiting for the right trade)
F = Fear of missing out (FOMO) incidents per week
E = Emotional decisions made (preferably zero)
C = Confidence (boosted by every profitable trade)
So remember,
keep your K and P high, and
F and E low for maximum S!
Victor Stone retweeted
For most people, buying a broad basket of stocks or ETFs is a better investment strategy than picking specific sectors and building concentrated stock portfolios. For example, over the last 5 years, the Nifty IT index fell by 8%, while TCS dropped by about 40%.
By the way, we are working on a new Kite Nudge that will alert you when you are placing an order, if your exposure to a single sector exceeds X%
Victor Stone retweeted
🚨If you bought 1 share of Burger King India for ₹79.
They gave you 50% off on every visit.
First meal saved you ₹200.
That's 2.5x your investment. In one lunch.
2] Trident share costs ₹26.
Buy 1 bedsheet set for ₹2,000.
Get 25% off.
You just saved ₹500 on a ₹26 investment.
3] IHCL (Taj) — ~₹640 share → 25% off on a ₹3,000 dinner = saves ₹750. Discount worth 1.2x the share price
This is the shareholder perks game. Nobody talks about it.
Victor Stone retweeted
How Japanese have produced wood for 700 years, without cutting down trees.
Daisugi is an ancient Japanese forestry technique developed in the 14th century originally used by people living in the Kitayama region, because the territory was extremely poor in saplings.
They planted cedars pruned in a special way to produce shoots that eventually would become perfect, straight, knot-free lumbers.
The shoots are gently pruned by hand every two years leaving only the top boughs, allowing them to grow straight. Harvesting takes 20 years and old 'tree stock' can grow up to a hundred shoots at a time.
There was actually another reason why the technique was developed: fashion. In the 14th century, a linear, stylized form of architecture known as sukiya-zukuri (数寄屋造り) became popular, and every prominent samurai or nobleman wanted a house built in this way.
There were simply not enough raw materials available to keep up with demand, so daisugi was developed to produce more wood in a shorter time.
The wood produced with this technique has also impressive qualities: it's 140% more flexible than standard cedar and 200% denser and stronger. And, it's extremely durable.
Victor Stone retweeted
Observe why Kotak Bank, HDFC Bank & Bajaj Finance got de-rated.
Just check the EPS growth trajectory.
Pre FY20, there were very few financials which delivered consistent & solid growth. HDFC Bank, Kotak Bank, Bajaj Finance were among the few names which delivered predictable compounding.
FY15-20 EPS CAGR:
HDFC Bank - 18%
Kotak Bank - 18%
Bajaj Finance - 37%
Because of this consistency, the market gave them premium valuations.
But post FY20, many things changed. More financials started doing well, SBI & ICICI Bank witnessed a solid turnaround.
FY20-26 EPS CAGR:
ICICI Bank - 31%
SBI - 26%
At the same time, growth moderated for earlier premium names
So the question for the market became simple - why give a very high premium to only a few names when broader financials are also delivering strong growth?
That is why multiples compressed for HDFC Bank, Kotak Bank & Bajaj Finance.
FY15-20 & FY20-26 growth rates clearly explain the difference.
Victor Stone retweeted
A senior manager at a Gurgaon fintech company was about to get fired in layoffs.
Instead of updating his resume, he did something clever.
He created a fake investor deck saying his team had built an AI product that could save the company ₹40 crore.
He presented it in the town hall.
The CEO loved it. Delayed layoffs. Gave him a promotion.
6 months later the "AI product" was exposed as complete bullshit.
He still got a golden handshake of ₹85 lakh.
Moral: In corporate finance, storytelling often pays better than actual results.
Victor Stone retweeted
When you study history you realise that people have been this stupid for thousands of years.
Victor Stone retweeted
Someone said that the poverty of a country is planned. That statement stuck with me.
