The board of directors of Union Bank approved to conduct a stock rights offering (SRO) to raise up to PHP 10 billion to “fund the capital infusion to UnionDigital” and for “projected retail loan availments”. UBP is Aboitiz Family’s banking arm and is an affiliate of Aboitiz Equity Ventures. As a shareholder of Union Bank of the Philippines, I now have the option to purchase additional shares of the business at a specified price offered by the company However, if I refuse the offer, my ownership percentage in the business will further decrease. One of the drawbacks is the decrease in my dividend income per share. Share dilution is a pain in the head! 😅 Learn more about why share dilution is a concern! Click the link below. 📣 https://elmads.com/?p=7690 — Beware of Share Dilution #sharedilution #Investing #investing101 #valueinvestor #valueinvesting #knowledgeandpatience #elmads
Be ruthless to the things that don't matter. “How many have laid waste to your life when you weren't aware of what you were losing , how much was wasted in pointless grief, foolish joy, greedy desire, and social amusements— how little of your own was left to you. You will realize you are dying before your time!” — Seneca #intrapersonal #introspection #selfimprovement #growthmindset #focus #gritandgrace #knowledgeandpatience #elmads
Apologies for the confusion regarding the availability of my book in different countries. I received a message from a friend of mine, who lives in the other side of the world, that my book is not available based on the link I've provided with my book launch post. I realise that I forgot to consider the various Amazon marketplaces in my previous post. To make it easier for everyone, I'll share the respective links to my book based on your country's Amazon marketplace, removing the friction of searching for it yourself. Please note that my book may not be available in some countries, especially in the Middle East, and in others, it might only be available in Kindle edition. 🇦🇺 Australia — https://amzn.asia/d/3sAyhfJ 🇧🇪 Belgium — Not Available 🇧🇷 Brazil — https://a.co/d/iMJZDnk (Kindle edition only) 🇨🇦 Canada — https://a.co/d/9KB3LDf 🇨🇳 China — I can’t find the search button because I can’t understand Mandarin, and their marketplace website interface is different! 😅 If anyone understands their language, can you please let me know if my book is available on Amazon China? I’ll greatly appreciate it. Here’s the link for their marketplace: https://www.amazon.cn/errors/validateCaptcha?amzn=OhYVwDPzzJXali2euVVJvg%3D%3D&amzn-r=%2F%3Fref_%3Dicp_country_from_gb&field-keywords=CUNRGA 🇪🇬 Egypt — Not Available 🇫🇷 France — https://amzn.eu/d/7EmrOmD (Kindle edition only) 🇩🇪 Germany — https://amzn.eu/d/ip7V1MI 🇮🇳 India — https://amzn.in/d/fr4blPU (Kindle edition only) 🇮🇹 Italy — https://amzn.eu/d/1NGkDIz 🇯🇵 Japan — https://amzn.asia/d/b5Dfcz3 (Kindle edition only) 🇳🇱 Netherlands — https://amzn.eu/d/6PFNb9o 🇵🇱 Poland — https://amzn.eu/d/ See the comments section for the rest of the countries and their respective links.
Lift-off!!! 🚀 My book, ‘Zero to Hero—The Rookie Investor’s Manifesto: Building Your Wealth From The Ground Up Through Stock Market Investing’ is now available! Join me as I take you on this exciting journey of financial empowerment and self-discovery. Get your copy on Amazon today! 📖 Amazon: https://amzn.to/4a9x5ki Thank you for your support! 😁🙌 𝗖𝗼𝗹𝗼𝘀𝘀𝗶𝗮𝗻𝘀 𝟯:𝟭𝟳 🙏 #zerotohero #therookieinvestorsmanifesto #launchday #buildingwealth #investingforbeginners #investing101 #StockMarket #education #storytelling #literarynonfiction #buynow #sitbackandrelax #enjoyandlearn #knowledgeandpatience #elmads #payitforward
🚀 𝗔𝗿𝗲 𝘆𝗼𝘂 𝗿𝗲𝗮𝗱𝘆 𝘁𝗼 𝗿𝗲𝘄𝗿𝗶𝘁𝗲 𝘆𝗼𝘂𝗿 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗱𝗲𝘀𝘁𝗶𝗻𝘆? 📈 Whether you’re new to investing or looking to enhance your financial literacy, this book is tailor-made for you. Gain fundamental knowledge, learn practical strategies, and understand the importance of investing in shaping your financial future. 💡 Drawing insights from successful investors such as W. Buffett, P. Lynch, and others, and real-life stories like those of S. Bartlett, G. Groner, Dalia, and more, this book debunks common misconceptions and explores essential habits for achieving financial goals. 📚 Let this book be your guide. Take the first step towards financial empowerment. Venture on your journey from “Zero to Hero”! 📣 www.elmads.com — Author Website #zerotohero #therookieinvestorsmanifesto #buildingwealth #investing101 #investingforbeginners #tminus1day #24hoursleft #launching #sitbackandrelax #enjoyandlearn #knowledgeandpatience #elmads
“Embrace the qualities that make you different” —Robert Greene "Mastery" by Robert Greene has been the most influential book for me to date. Without it, I may not have started writing "Zero to Hero—The Rookie Investor's Manifesto". If I were to summarize this book in one sentence, it would be this: 𝗧𝗵𝗲 𝘁𝗿𝗲𝗮𝘀𝘂𝗿𝗲 𝘆𝗼𝘂 𝘀𝗲𝗲𝗸 𝗹𝗶𝗲𝘀 𝘄𝗶𝘁𝗵𝗶𝗻 𝘆𝗼𝘂! ✨ https://amzn.to/3WtADKR — Mastery Book via Amazon 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #zerotohero #therookieinvestorsmanifesto #doyou #knowledgeandpatience #elmads
𝗖𝘂𝗿𝗶𝗼𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝗮𝘁’𝘀 𝗶𝗻𝘀𝗶𝗱𝗲 𝗺𝘆 𝗯𝗼𝗼𝗸? 📚 Read a sample of ‘Zero to Hero—The Rookie Investor’s Manifesto’ today! 📖 Download it at www.elmads.com 🌐 The sample includes the book cover, title page, dedication, epigraph, preface, introduction, and the first page of chapter 1. Enjoy the sneak peek! 😊 Only 3 days left before the launch! 🚀 #ZerotoHero #TheRookieInvestorsManifesto #sneakpeek #investing #stockmarket #investing101 #investingforbeginners #launchingsoon #reading #readthebook #knowledgeandpatience #elmads
“The fool is the precursor to the savior.” —Carl Jung #carljung #psychology #jordanpeterson #growthmindset #growthtrajectory #doyou #explore #keepgoing #knowledgeandpatience #elmads
𝗪𝗵𝗮𝘁 𝗱𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗺𝗲𝗮𝗻? The cost of borrowing, or interest on debt, is expected to remain unchanged at the current levels. The era of cheap money, characterized by a low-interest rate environment from 2010 to 2022, has come to an end. https://www.ft.com/content/5babf13a-3a23-4b24-947f-a958c3df0192 📣 https://elmads.com/?p=4895 — The Financial System – The Central Bank 📣 https://elmads.com/?p=4731 — Banking & Its History 📣 https://elmads.com/?p=4823 — The Banking Industry – The 4 Common Types of Banks 📣 https://elmads.com/?p=2921 — The Evolution of Money #centralbank #interestrates #inflation #investing #investing101 #knowledgeandpatience #elmads
It will be available in Kindle eBook, paperback, and hardcover editions. I just received the hardcover approval from Amazon today! 😁 While waiting for the release day of my book, you can read my first three published blogs since I started my writing journey in December 2020. 📣 https://elmads.com/?p=130 — Why should we save and invest our hard-earned money? 📣 https://elmads.com/?p=148 — Why knowing our Spending habits is Important before Saving Money 📣 https://elmads.com/?p=243 — Budgeting Strategies for Everyone It has been more than three years already, and it has been an incredible learning and writing journey! 😁 @ elmads.com #personalfinance #Investing #knowledgeandpatience #elmads
What a dramatic shift in capital market weightings over the past century! The UK dominated the global market in the pre-modern era, but the rise of the US changed everything. It will be fascinating to see if another power emerges in the next 30 to 50 years and how that will impact global fund weightings, as illustrated in the chart. Investing globally has never been easier. By allocating a small portion of your hard-earned money to index funds or ETFs, you can own a diverse portfolio of stocks from around the world, regardless of the dominant superpower. I delve deeper into this topic, accompanied by engaging stories, in my upcoming book. 😁 That said, it's essential to be aware of the type of global fund you own. Many investors unknowingly invest in multiple funds with similar weightings, resulting in the majority of their money being in the US market. This defeats the purpose of diversification. Additionally, it's crucial to consider fees. Some funds may have higher fees than others, impacting your overall returns. Source: https://www.ubs.com/global/en/investment-bank/in-focus/2024/global-investment-returns-yearbook.html #globalinvestment #indexfunds #investing #investing101 #investingforbeginners #stockmarketinvesting #knowledgeandpatience #elmads
It feels surreal to hold a physical copy of my own book.📚 There’s indeed no turning back now. 🙌 I’ll be releasing the BOOK TRAILER for my investment book on Wednesday, May 1, 2024, from 8 to 9 a.m. GMT +0. 🎥 On that day, I’ll reveal the book cover, title, and launch date. See you on Wednesday! 😁 #book #selfpublish #bookcopy #authorcopy #investingbooks #finance #personalfinance #investing #investingforbeginners #stockmarket #read #bookseries #comingsoon #booktrailer #knowledgeandpatience #elmads
𝗜𝘀 𝗔𝗿𝘁𝗶𝗳𝗶𝗰𝗶𝗮𝗹 𝗜𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗮 𝗧𝗵𝗿𝗲𝗮𝘁? "Artificial intelligence will be part of our future. It's inevitable." —Sundar Pichai Opinions on artificial intelligence (AI) vary widely. Some perceive it as a threat, others are indifferent, and some see it as a significant opportunity. I belong to the camp that sees AI as an opportunity. However, it would be naive to overlook the potential threats posed by AI, particularly in terms of job displacement. Just as the internet revolutionised the newspaper industry, AI has the potential to phase out certain job sectors. Nevertheless, with every ending comes a new beginning. AI is likely to give rise to newer industries and potentially entire sectors. We should embrace new technologies, as they have the potential to make our lives and work more efficient than ever before. Just consider how calculators have aided students today. Despite facing resistance in the past, they are now widely accepted in classrooms around the world, helping students solve mathematical problems. Continuous learning, skill stacking, and being adaptable in the ever-changing world landscape will prove beneficial for everyone. #growthmindset #maximizingopportunies #tools #artificialinteligence #technology #skillstacking #knowledgebuilding #valueoptimization #knowledgeandpatience #elmads
“The world needs a lot, and we need it from you. You go to get out there; you got to give everything you got, whether it’s your time, your talent, your prayers, or your treasures. What are you going to do with what you have? I’m not talking how much you have. Some of you are business majors; some of you are theologians, nurses, sociologist. Some of you have money, some of you have patience, some of you have kindness, some of you have love, and some of you have the gift of long suffering. Whatever it is, whatever your gift is, What are you going to do with what you have?” —Denzel Washington, commencement speech at the University of Pennsylvania on May 16, 2011. 📹 https://www.youtube.com/watch?v=z0DRkS2F1MU Timestamp: 07:15 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #denzelwashington #doyourthing #payitforward #utilizeyourgifts #serveothers #knowledgeandpatience #elmads
Happiness is a matter of perspective. For many of us, we tend to focus on what we lack rather than appreciate what we already have. When we take the time to consider our blessings, we often find contentment. However, when we start to dwell on what we lack, we can never seem to find satisfaction. What we possess today often surpasses the luxuries enjoyed by the great kings and conquerors of the past. In comparison to figures like Alexander the Great, Julius Caesar, Genghis Khan, Napoleon Bonaparte, and even the UK's Queen Victoria, our lives are enriched with unparalleled comfort and abundance. And still, we are at a time where mental health has been on the decline. "In 1920 John Rockefeller was worth as much as 3% of the US GDP But even with all that money at his disposal, he did not have Sunscreen, Tylenol, Anti-biotics, Chemotherapy, Vaccines for smallpox, Insulin for Diabetes, fresh produce in the winter, TV, overseas phone calls, Jets and the list goes on. The average person can enjoy so much more today than the richest man could a hundred years ago. This is a well-worn argument used by rich people to show how great the lives of poor people are today. But! He also did not have Ozone Hole, antibiotic-resistant diseases, mutating viruses that can three waves of pandemics, AIDS, the obesity epidemic, the diabetes epidemic, processed food that is no good for your health, an inability to enjoy empty unstructured time, climate change, and I am sure the list goes on as well. It is convenient to paint the world on a constant march forward because of everything that we have. Life was not that inconvenient before these conveniences showed up. It was simpler and arguably better. Only a person who has thrown away their phones and lived in a rural outpost would know. Everything that we call convenience is the trapping of the modern world that makes you want more and more. The only thing that it successfully gives you is mental illness." — Morgan Housel
Exciting news! The book cover and title will be revealed soon. 📚 Launching worldwide on Amazon.com in May 2024! 😁 www.elmads.com #book #selfpublish #investingbooks #finance #personalfinance #investing #read #bookseries #comingsoon #knowledgeandpatience #elmads
“Only by giving are you able to receive more than you already have” -Jim Rohn Gary Vaynerchuk’s book “Jab, Jab, Jab, Right Hook” emphasizes this concept: Give, give, give a lot, and then ask. Provide more than you receive, and the rest will follow. #fortunecookie #learnmore #givemore #growthmindset #helpothers #payitforward #knowledgeandpatience #elmads
What is easy and convenient today isn't necessarily fulfilling and beneficial in the long run. Life as it is is not life the same as before. Pursue something meaningful; pursue something greater than yourself. #beofservice #inyourownway #greaterthanyourself #doyou #growthmindset #knowledgeandpatience #elmads
It's our intrinsic motivation and the ability to find satisfaction and fulfillment in the work itself that truly matters, regardless of external recognition or rewards. Ultimately, it's about the person you become and the value you bring to others. 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others #doyou #focus #takeaction #growyourown #perseverance #knowledgeandpatience #elmads
"I want you to realize that when you hear my accomplishments: I'm still that C- student. I'm still that kid who can't settle down or focus for more than five or ten minutes at a time. And I remain a guy who possesses no special gift or talent or skill. All I do is take really big ambitious projects that people seem to marvel at, break them down into their simple form, and then just make marginal improvements along the way to improve my odds of achieving them. And so the whole reason I'm giving this talk is I'm hoping to inspire several of you to pull some of those ambitious dreams that you have for yourself off the bookshelf and start pursuing them by making that marginal adjustment to your routine." —Stephen Duneier (https://www.youtube.com/watch?v=TQMbvJNRpLE) 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #multipotentialite #followyourcuriosity #doyou #focus #takeaction #growyourown #perseverance #knowledgeandpatience #elmads
Dividend Income Allowance signifies the highest dividend amount an individual can receive without incurring any tax liability. For the tax year 2024–2025, this allowance stands at £500. Any dividend exceeding this threshold becomes subject to taxation. Over the years, we've witnessed a notable decline in this allowance: Tax year 2017/2018: £5,000 dividend allowance Tax year 2018/2019: £5,000 dividend allowance Tax year 2019/2020: £2,000 dividend allowance Tax year 2020/2021: £2,000 dividend allowance Tax year 2021/2022: £2,000 dividend allowance Tax year 2022/2023: £2,000 dividend allowance Tax year 2023/2024: £1,000 dividend allowance Tax year 2024/2025: £500 dividend allowance Despite this reduction, there's a strategic avenue to mitigate the impact: the Individual Savings Account (ISA). An ISA offers a tax-efficient environment for investment growth, shielding dividends and capital gains from taxation. It's a legal approach to get away from the taxman!😁 Learn more about this in the provided links below. 📣 https://elmads.com/?p=12251 — Smart Money Moves: How to Leverage Tax-Free Accounts for Financial Success in the UK 📣 https://elmads.com/?p=1738 — UK’s Tax Exempted Individual Savings Account 📣 https://elmads.com/?p=2510 — What are Dividends? 📣 https://elmads.com/?p=7768 — Share Buyback & Dividends #taxfree #TaxFreeInvesting #individualsavingsaccount #unitedkingdom #investing #investing101 #investingforbeginners #TaxAdvantage #taxes #wealthaccumulation #wealthbuilding #knowledgeandpatience #elmads
I began this journey months ago, and now we’re almost there. Book cover secured.😁 Just a few weeks remain until the launch of my first book in the Non-Fiction, Investing, and Personal Finance niche. Stay tuned for updates as we approach the month of May. 🙌 Here’s to sharing knowledge and paying it forward! #firstbook #selfpublishing #writing #topayingitforward #investing #personalfinance #project #personalprojects #anewhorizon #knowledgeandpatience #elmads
#growthmindset #knowledgeandpatience #elmads
"You're looking for a mispriced bet. That's what investing is. And you have to know enough to know whether the bet is mispriced. That's value investing." —Charlie Munger 📣 https://elmads.com/?p=8126 — A Short History of Value Investing 📣 https://elmads.com/?p=8129 — The School of Value Investing #investment #valueinvesting #investing #Investing101 #stockmarket #stockmarketinvesting #knowledgeandpatience #elmads
“Compare yourself to who you were yesterday, not to who someone else is today.” — Jordan B. Peterson While reading the comments on Goodreads about "Titan: The Life of John D. Rockefeller, Sr. by Ron Chernow", one of the highly recommended books by Charlie Munger, I came across a noteworthy quote from George Santayana relating to JDR (see image above). https://www.facebook.com/elmadsfinanceblog/posts/pfbid02iuNYuzYw7GbLReQmTWY3RdZsnZ8GhCizLqY5yNb9tcVPY1N7yXo3xKLr9N7diMs7l — What are your thoughts on John D. Rockefeller's quote in the link provided? #doyou #focus #growthmindset #keepgoing #history #biography #JohnRockefeller #knowledgeandpatience #elmads
Your dreams supersede the opinions of others. Do what needs to be done to bring them to fruition regardless of any perceived weakness. 🙌🏼 As the famous quote attributed to Marcus Aurelius goes, it has become a timeless maxim: “The impediment to action advances action; what stands in the way becomes the way.” 💪 #takeaction #justdoit #growthmindset #introspection #knowledgeandpatience #elmads
Practical financial advice from Charlie Munger. #practicalinsights #pragmaticapproach #personalfinance #moneymanagement #knowledgeandpatience #elmads
The most valuable companies by continent in 2024. ◾North America - Microsoft (Information technology sector) ◾South America - Petrobras (Oil and gas sector) ◾Europe - Novo Nordisk (Healthcare sector) ◾Africa - Naspers (Global consumer internet sector) ◾Asia - Saudi Aramco (Oil and gas sector) ◾Oceania - Broken Hill Proprietary or BHP (Mining sector) ◾Antartica - Not Applicable (unhabitable and only for scientific exploration. It has no permanent human population) #businesses #investing #EquityInvesting #stockmarket #stockmarketinvesting #GlobalInvesting #knowledgeandpatience #elmads
🙌🏼 #knowledgeandpatience #elmads
Starting the new tax year with a bang! Since the inception of Individual Savings Accounts (ISAs) on April 6, 1999, UK residents have been limited to contributing to just one ISA account with their chosen brokerage. However, as of yesterday, April 8, 2024, the rules have shifted. UK individuals are now permitted to contribute funds to multiple ISA accounts. This change opens up new avenues for investors like myself, who maintain a mix of Vanguard index funds and stock portfolios, allowing us to capitalize on the tax-free benefits of ISAs across various platforms. Excitedly, I've recently opened my first ISA account outside of Vanguard. 😁 This account will be the cornerstone of my value investing strategy. In this portfolio, I'll allocate half of my investments to undervalued stocks with promising growth potential over a 5-year horizon or longer. My inclination towards undervalued and resilient businesses is evident in my investment choices, which include battered two Chinese giants and Japan's top 5 trading houses (the Sogo Shoshas). I guess I just really have a strong affinity for undervalued, beaten, and no-nonsense businesses. 😅 The other half of my portfolio, which is yet to be assembled, will be dedicated to global technology enterprises. Let's make the most of this new ISA opportunity and see where it takes us! 🚀 #stockmarketinvesting #taxfree 📣 https://elmads.com/?p=12306 — My 2023 Year-End Portfolio 📣 https://elmads.com/?p=12251 — Smart Money Moves: How to Leverage Tax-Free Accounts for Financial Success in the UK 📣 https://elmads.com/?p=1738 — UK’s Tax Exempted Individual Savings Account 📣 https://elmads.com/?p=8129 — The School of Value Investing 📣 https://elmads.com/?p=8126 — A Short History of Value Investing #neverstoplearning #neverstopexploring #investing #investing101 #valueinvesting #wealthaccumulation #stockmarket #japaninvestment #chinainvestment #globalinvestment #diversification #knowledgeandpatience #elmads
"Concentrate all your thoughts upon the work in hand. The Sun's rays do not burn until brought to a focus." — Alexander Graham Bell #focus #deepwork #doyou #providevalue #knowledgeandpatience #elmads
My favourite Warren Buffett quote about "patience".🙌 📣 https://elmads.com/?p=1952 — Mutual Funds 📣 https://elmads.com/?p=2335 — Popular Investing Strategies 📣 https://elmads.com/?p=2464 — Buy and Hold Strategy #investing101 #investingforbeginners #patience #stockmarket #investing #knowledgeandpatience #elmads
"As we can see, a $100 investment in the S&P 500 (including reinvested dividends) in 1970 would be worth an impressive $22,419 in 2023. Not only were U.S. stocks the top performing major asset class, they outpaced other investments by a wide margin. Consider how a $100 investment in corporate bonds would have grown to $7,775 over the period, or 65% lower than an investment in the S&P 500. When it comes to gold, a $100 investment would have been worth $5,545 by 2023. During the 1970s and 2000s, gold boomed amid bouts of inflation and a falling U.S. dollar. By comparison, the S&P 500 saw much lower returns over these decades. Real estate, another safe haven asset, returned on average 5.5% annually since 1970, with the highest gains seen in the decade through 2020. Interestingly, a $100 investment in the asset class would have grown to just $1,542 by 2023 due to slower price growth through the 1980s and 2000s weighing on overall returns. During both periods, the housing market crashed, taking years for the sector to fully recover. In fact, following the Global Financial Crisis, it took a decade for home prices to climb to their previous 2006 peak." —https://www.visualcapitalist.com/growth-of-100-by-asset-class-1970-2023/ 📣 https://elmads.com/?p=750 — The 5 Basic Asset Classes #stockmarketinvesting #equities #EquityInvesting #AssetClasses #investing101 #knowledgeandpatience #elmads
The treasure you seek resides within you. 🙌🏼💪🏼 Don’t let society impede your journey to discover it. 😉 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #growthmindset #compounding #introspection #intrapersonal #improvement #knowledgeandpatience #elmads
It's truly remarkable, and a bit surreal too, how Microsoft and Apple's market capitalization far exceeds that of other major global brands in various stock exchanges. This clearly highlights the immense dominance these two tech giants have held, not only in the market but also in impacting the lives of people worldwide for more than a decade. https://www.visualcapitalist.com/visualizing-the-biggest-companies-on-major-stock-exchanges/ 📣 https://elmads.com/?p=1669 — What are stocks and shares? 📣 https://elmads.com/?p=1548 — How Shares are made and how the Stock Market works #investing101 #investingforbeginners #StockMarket #stockmarketinvesting #equity #equities #EquityInvesting #invest #investing #indexfund #mutualfund #knowledgeandpatience #elmads
A modern take on the popular Spartan ethos in the image above is this: "The more voluntary suffering you embrace, the less impact involuntary suffering will wield.” - Tim Ferriss 🔥 Small doses of suffering increase our resilience. By subjecting ourselves to manageable discomfort, such as through lifting, running, or learning challenging skills, we become more adept at handling inevitable hardships that life presents us. Just as vaccines bolster our immunity against viruses by exposing our bodies to small, harmless doses of the virus, these experiences fortify our mental and emotional resilience, making us better equipped to navigate future adversities with greater strength and adaptability. Let's train hard now, so that when the challenges arise, we bleed less and conquer more! 💪🙌 #voluntarysuffering #resilience #antifragile #growthmindset #compounding #grit #knowledgeandpatience #elmads
Don't let the $65 suggested retail price (SRP) fool you. While this iconic Jordan 1 shoe may have appeared inexpensive at the time, adjusting for inflation reveals a different story. #inflation101 In 1985, that $65 price tag would translate to approximately $185 in 2023. Interestingly, this comparison suggests that Nike hasn't drastically increased its price point over the years if you consider inflation. Presently, the suggested retail prices of their Jordan 1 Retro High OGs hover around the same price point of $180. With that said, getting your hands on a Jordan 1 "Chicago" colourway, or even the recent "Lost and Found," at their suggested retail price (SRP) nowadays is like looking for a diamond in the rough, it's quite challenging. Unless you're prepared to hustle hard, camp out, get lucky with a raffle draw, or have strong connections, your chances of scoring one at the suggested retail price (SRP) might be slim. 😅 #inflation #adjustedforinflation #story #narrative #jordan1 #jordan1chicago #airjordan #sneakers #economics #knowledgeandpatience #elmads #Economics101
Skill stacking. 🙌🏼 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #skillstacking #compounding #learnmoreearnmore #knowledgeandpatience #elmads
For all the fellow messed-up multipotentialites out there juggling their whirlwind of diverse and multifaceted curiosities, crafting a schedule plan can be a lifesaver. It's a fantastic method for bringing order to the chaos and prioritizing our multitude of interests. By channeling our energies into structured time slots, we not only gain focus but also ensure progress amid the madness. Embrace the craziness and conquer those interests one at a time! 😅😂🤣 #crazypeople #multipotentialite #rennaissanceman #polymath #curious #divergentthinker #knowledgeandpatience #elmads
“The handling of finances is one of the major emotional battlegrounds of any marriage. Lack of finances is seldom the issue. The root problem seems to be an unrealistic and immature view of money.” -David Augsburge, The Meaning of Money in Marriage A lot of relationships and marriages typically have a similar circumstance to the image above. One person makes more than the other. While this may seem a lost cause for achieving a complete 50/50 split in paying the bills, it completely isn’t. From a face value monetary point of view, a 50/50 split is impossible due to the fact of the salary differences. No one can just get around this, but when we’re talking in percentage terms, such as what is 50% of each of your own salary? then things change substantially for the couple. In the case of the image above, 50% of the 180k salary is 90k, while 20k is for the 40k salary. That’s where the middle ground for such a situation lies. A relationship/marriage budgeting method based on Equally Weighted Salary Averages! 😉😁 👇👇👇 📣 https://elmads.com/?p=10351 — Achieving Financial Harmony in a Marriage with Unequal Incomes 📝 Note: The guy can just pay the whole year’s rent himself if he wants to. It’s just 20% of his 180k year’s gross income. haha! #finance #personalfinance #marriage #relationships #spendingplan #budgeting #weightedaverage #moneymanagement #strategy #harmony #knowledgeandpatience #elmads
"How to Join the 1% Club? To be part of the top 1% club of one’s country or region often requires a combination of advanced education, entrepreneurship, strategic investments, and even luck. While there’s no guaranteed path to entry, consistency and time are key factors (Compound Interest and Time Value of Money). In the U.S., for instance, many individuals and families who have surpassed the 1% threshold have done so over time." —https://www.visualcapitalist.com/wealth-needed-to-join-the-top-1-by-country/ #hustlehard #playharder #investing101 #grind #knowledgeandpatience #elmads
🌺☀️🍃❄️ Just do you. 🙌🏼💪🏼 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #knowledgeandpatience #elmads
"But let me tell you a secret: no one does when they begin. Ideas don't come out fully formed. They only become clear as you work on them. You just have to get started." —Mark Zuckerberg The "Eureka" moment is just a lie. Ideas don't often come in those dramatic lightning-strike flashes. Instead, they trickle in unexpectedly, sometimes when you least expect them—like when taking a shower or when you're sitting on the toilet bowl. 😂🤣 Just persist in your efforts day in and day out. Keep doing what you know you need to do, and like water finding its path, ideas will gradually start to flow. It's all about staying committed to your craft and trusting the process. I never imagined that writing would be the way I bring to life the lessons instilled in me by my parents and grandparents from a young age. Their emphasis on the importance of helping others and paying it forward has always resonated with me. However, I never saw myself as someone who would simply give money, as I believe that money provides only a short-term fix, not a solution for managing one's perspective and mindset relating to money management (making money, keeping it, and growing it). As the Chinese philosopher Lao Tzu once said, "Give a man a fish and you feed him for a day. Teach him how to fish and you feed him for a lifetime." @ elmads.com #book1 #topayingitforward #writing #investing101 #investingforbeginners #mindset #philosophy #knowledgeandpatience #elmads
Some may not reach the summit not because they've given up, but because they find contentment in where they stand, savoring the view. And let's not fixate too much on one mountain, shall we? The world is abundant with quadrillions of different peaks to conquer. Perhaps, we've been too narrowly focused on just one, without exploring what lies beyond. As Morgan Housel aptly put it, "Your personal experiences with money make up maybe 0.00000001% of what’s happened in the world, but maybe 80% of how you think the world works." While this pertains to finance, it resonates deeply with life itself. There are countless mountains awaiting exploration, beyond the familiar peaks we've grown accustomed to since youth. Perhaps, the mountain we've climbed wasn't even the one we truly desired, but rather one imposed by external pressures, like societal expectations, urging us to conform. Choosing which mountain to ascend is a reflection of our inner selves. Climbing mountains for the sake of appearances is a futile endeavor, wasting precious time. In the twilight of life, one may realize that the chosen peak only brought forth anxiety, fleeting fulfillment, and a sea full of regret. Some venture beyond, scaling multiple mountains. Though they may not conquer every summit, they gain an understanding of the mountain range, unveiling hidden paths inaccessible to others. What remains universal is this: the greatest mountain to conquer lies within. Conquer that, and no earthly peak can stop your journey.💪 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey #mindfulness #selfawareness #mountains #BreakingBarriers #mindest #growthmindset #doyou #knowledgeandpatience #elmads
When you’re in the zone, channeling David Goggins’ spirit and pushing through the pain during the race, you’ll hear voices echoing in your mind. “Don’t stop when you’re tired. Stop when you’re done!” Meanwhile, my average heart rate hits 190! 😅 Thoughts creep in, tempting me to give up and just walk. After all, what’s so great about a sub-2-hour half marathon? But then another voice cuts through, reminding me: “You already know what giving up feels like. Now see what happens if you don’t.” 💪 And with that, I achieved a new Half-Marathon personal best after 9 months since my last race. From 2 hours 2 minutes and 33 seconds to 1 hour 56 minutes and 41 seconds. Thank you Lord! 🙏🤲https://www.facebook.com/share/HRY2hkYYtTKV3Yuf/?mibextid=WC7FNe Well, another run in the books, but my thighs and legs are paying the price. 😆 Here’s to pushing boundaries and setting personal bests, even if it means hobbling around like a penguin for a while. 🐧😂🤣 Personal victory may come with a bit of discomfort, but hey, it’s all part of the journey, right? 😁 📣 https://elmads.com/?p=9044 — Never Forget About Your Health when Pursuing Financial Wealth 📣 https://elmads.com/?p=8828 — How Running Changed my Frame of Mind 📣 https://elmads.com/?p=11129 — First Half-Marathon. Run To A Never-Ending Road. #outsidefinance #outsideinvesting #discipline #consistency #healthandwellness #investinyourhealth #investinyourself #investinyoursoul #growthmindset #knowledgeandpatience #elmads
Your greatest resources are health and time. The concept of time betting by Steven Bartlett. #timemanagement #healthiswealth #prioritization #knowledgeandpatience #elmads
𝗧𝗵𝗲 $𝟭𝟬𝟲 𝗧𝗿𝗶𝗹𝗹𝗶𝗼𝗻 𝗚𝗹𝗼𝗯𝗮𝗹 𝗦𝘁𝗼𝗰𝗸 𝗠𝗮𝗿𝗸𝗲𝘁 𝗖𝗮𝗽𝗶𝘁𝗮𝗹𝗶𝘇𝗮𝘁𝗶𝗼𝗻. Two of the largest stock exchanges are located in the United States, followed by the Netherlands in third place and China in fourth place. "Should You Invest Internationally? While U.S. stock markets are unmatched in scale in the global arena, investors may look to diversify exposure across the pond. In fact, by 2050, Goldman Sachs projects that emerging markets’ share of global stock market capitalization will surpass America. Given the strong economic growth of emerging markets, investors may find opportunities in broad market indexes that track these countries through investment vehicles like ETFs or mutual funds. Yet while international markets may provide opportunities for diversification, they may also present risk given political, regulatory, and economic factors." —https://www.visualcapitalist.com/largest-stock-exchanges-in-the-world/ 📣 https://elmads.com/?p=2036 — What is an Exchange Traded Fund? 📣 https://elmads.com/?p=1952 — Mutual Funds 📣 https://elmads.com/?p=1982 — Passive and Active Funds #stockmarketinvesting #diversification #globalexposure #investing101 #indexfund #indexinvesting #mutualfund #etf #investingforbeginners #knowledgeandpatience #elmads
Memento Mori. 🙌🏼 #knowledgeandpatience #elmads
𝗧𝗵𝗲 𝗥𝗶𝘀𝗲 𝗼𝗳 𝗝𝗮𝗽𝗮𝗻𝗲𝘀𝗲 𝗘𝗾𝘂𝗶𝘁𝗶𝗲𝘀 𝗮𝗻𝗱 𝘁𝗵𝗲 𝗥𝗲𝘀𝘂𝗿𝗴𝗲𝗻𝗰𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗦𝗼𝗴𝗼 𝗦𝗵𝗼𝘀𝗵𝗮𝘀. During the 1980s, Japanese equities were on par with the US stock market. Their stock market ballooned in price within that decade. The prosperity was due to a lot of factors, namely economic, business, and political influences. Yet, optimism turned to exuberant levels, which dis-located asset prices to the fundamental reality of the underlying business and the economy of Japan during that time. How disconnected have you asked? The 1.15-square-kilometer (0.44 sq mi) palace grounds and gardens are built on the site of the old Edo Castle—the imperial palace in Tokyo, Japan. At the height of the all-asset bubble in Japan, the said imperial palace was valued more than all the real estate in the U.S. state of California. As the bubble of the late 1980s popped (see 1st Image), the economy got hit, a lot of global investors pulled their money out, and the Japanese economy entered its three-decade-long economic stagnation. It was indeed a lost decade. I just thought of One Piece’s Lost Decade storyline; maybe Oda (the creator) took his idea from Japan’s history. Haha! The top businesses called the Sogo Shoshas ((総合商社, sōgō shōsha, or general trading companies) were instrumental in establishing Japan’s presence in global markets since their creation in the late 19th century. They acted as intermediaries, connecting Japanese manufacturers with overseas buyers, and vice versa. By doing so, they helped Japanese companies expand their reach, gain access to new markets, and acquire essential resources. But as the Japanese economy stagnated during the lost decade, so did the Sogo Shoshas. To know more about this. See the links provided below. 📣 https://www.youtube.com/watch?v=F2gE4knl2Ac&fbclid=IwAR2cQ5YFWcmebueXyeBni5KaKCcwNYyz66q6zzBVBcWaKsiX3B2e4m_Cj6I 📣 https://www.facebook.com/photo/?fbid=638380254978989&set=a.117481003677903
It wasn't solely the PAGIBIG MP2 program that transformed her life; rather, it was the habit of saving that she cultivated. Savings and investment accounts are merely tools; their effectiveness depends on how we leverage them in our lives. Indeed, this is a big financial win for this mom. 🙌 If she continues this path, reinvesting everything every 5 years, then I wouldn't be surprised if she'll be a multimillionaire in the near future. Compound interest is just too darn magnificent. 🤩 Ultimately, nobody will save you but yourself. 💪 📣 https://elmads.com/?p=130 — Why should we save and invest our hard-earned money? 📣 https://elmads.com/?p=11250 — A Dollar Today is Worth More Than a Dollar Tomorrow – The Time Value of Money 📣 https://elmads.com/?p=11402 — Simple and Compound Interest and the Net Present Value of Annuity & Life Insurance 📣 https://elmads.com/?p=11809 — Your Financial CEO: Managing Free Cash Flow for a Wealthier Tomorrow #savemoney #investmoney #moneymanagement #investing101 #investingforbeginners #pagibigmp2 #philippines #knowledgeandpatience #elmads
📣 https://elmads.com/?p=2036 — What is an Exchange Traded Fund? 📣 https://elmads.com/?p=1952 — Mutual Funds 📣 https://elmads.com/?p=1982 — Passive and Active Funds #investing #investing101 #stockmarketinvesting #mutualfunds #exchangetradedfunds #passiveinvesting #knowledgeandpatience #elmads
📣 https://elmads.com/?p=11082 - Life Is Not Just About Money. FSHRM the Mythical Five #wellbeing #mindsetiseverything #wellness #moneyisatool #knowledgeandpatience #elmads
𝗔 𝘀𝘆𝗺𝗯𝗼𝗹 𝗱𝗲𝘀𝗶𝗴𝗻𝗲𝗱 𝗳𝗼𝗿 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴. 🙌 "We are building a 10,000-Year Clock. It's a special Clock, designed to be a symbol, an icon for long-term thinking. It's of monumental scale inside a mountain in West Texas. The father of the Clock is Danny Hillis. He's been thinking about and working on the Clock since 1989. He wanted to build a Clock that ticks once a year, where the century hand advances once every 100 years, and the cuckoo comes out on the millennium. The vision was, and still is, to build a Clock that will keep time for the next 10,000 years. I've been helping Danny with the project for the last half dozen years. As I see it, humans are now technologically advanced enough that we can create not only extraordinary wonders but also civilization-scale problems. We're likely to need more long-term thinking." —Jeff Bezos, https://www.10000yearclock.net/learnmore.html https://longnow.org/clock/#:~:text=To%20see%20The%20Clock%20you,a%20mountain%2C%20in%20West%20Texas. More about the clock project. The clock is not yet finished, but this is definitely a hike worth taking in the future for horology enthusiasts and long-term thinkers. You'll need to hike the Sierra Diablo mountain range in West Texas before reaching the said clock. Bucket list!🪣 #10000YearClock #longtermthinking #horology #bucketlist #travel #sierradiablo #knowledgeandpatience #elmads
Derek Sivers' notes on Robert Greene's "Mastery." https://sive.rs/book/Mastery2 “At your birth, a seed is planted. That seed is your uniqueness. It wants to grow, transform itself, and flower to its full potential. It has a natural, assertive energy to it. Your Life’s Task is to bring that seed to flower, to express your uniqueness through your work. You have a destiny to fulfill. The stronger you feel and maintain it—as a force, a voice, or in whatever form—the greater your chance for fulfilling this Life’s Task and achieving mastery.” ― Robert Greene, Mastery What also caught my attention in Derek Sivers' notes is when he wrote, "If you rigidly follow a plan set in your youth, you lock yourself into a position, and the times will ruthlessly pass you by. You are fulfilling your role if you apply yourself to converting your experiences to the highest advantage of others." And this reminds me of a question. Is your life today a product of your own conscious decision, or have you just settled into certain aspects of your life without much active choice? For most of us, it's the latter. We live a life that was somehow a product of others's influence a decade or two ago, and as a result, we've made ourselves believe that we have actively chosen the path we've walked for the majority of our lives. What we know today is only a tiny sliver of the vast world. There is still time to redirect your course to the right path. The one that has been meant for you since you've been born in this world. Don't restrict your potential; it's been given to you to be used for a greater purpose than yourself. Seek within; the treasure you're looking for is just within the depths of your being. 📣 https://elmads.com/?p=12178 — Your Destiny is You: Embracing Your Unique Journey 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others #mastery #bookrecommendations #robertgreene #lifestask #selfawareness #passionandpurpose #followyourcalling #payitforward #helpingothers #knowledgeandpatience #elmads
Rare whisky outperformed the S&P 500 in the past decade. Who would have thought. 🥃 Whether your considering traditional assets or alternatives, it is essential to keep in mind to diversify your asset portfolio and to know what you own. Investing is not just about attaining the highest return possible, but managing risks while still increasing the chances of achieving your investment goals. 📣 https://elmads.com/?p=5665 - The Alternative Assets #diversification #riskmanagement #investing101 #alternativeassets #knowledgeandpatience #elmads
The 6th of April signifies the beginning of the 2024–2025 tax year in the UK, marking a fresh start for income tax thresholds, including dividends, interest income, and capital gains. One notable change is the expansion of tax-free individual savings accounts (ISAs). As of April 6, 2024, savers and investors can now hold multiple ISA subscriptions. This means individuals can have two or more stocks and shares ISAs (S&S ISAs) with different providers. For example, someone with an S&S ISA with Vanguard UK can now open another S&S ISA with a different UK broker like Trading212 or Hargreaves Lansdown, all without any implications. Despite this change, the maximum total ISA allowance for the 2024–2025 tax year remains £20,000 across all ISA platforms. Finally! This change is a game-changer for my investment journey, enabling me to fully capitalise on tax-free investing across two of my pivotal strategies: my index fund investing portfolio and my value investing in individual stocks. https://www.gov.uk/government/publications/tax-free-savings-newsletter-11/tax-free-savings-newsletter-11 A detailed explanation for the Individual Savings Account (ISA) reform in 2024. 📣 https://elmads.com/?p=12251 — Smart Money Moves: How to Leverage Tax-Free Accounts for Financial Success in the UK 📣 https://elmads.com/?p=1738 — UK’s Tax Exempted Individual Savings Account #investing #investing101 #unitedkingdom #individualsavingsaccount #isa #TaxYear #taxyear2024 #taxfree #Compounding #investingforbeginners #ukinvestor #knowledgeandpatience #elmads
“You want to find something that looks like work to others, but it feels like play to you.” 💪🏼 - Naval Ravikant #workhardplayharder #hustleandfun #passionandpurpose #followyourcalling #knowledgeandpatience #elmads
𝗧𝗵𝗲 𝗲𝘀𝘀𝗮𝘆, 𝗮𝘁𝘁𝗿𝗶𝗯𝘂𝘁𝗲𝗱 𝗯𝘆 𝘀𝗼𝗺𝗲 𝘁𝗼 𝗦𝘁𝗲𝘃𝗲 𝗝𝗼𝗯𝘀 𝗶𝗻 𝗵𝗶𝘀 𝗳𝗶𝗻𝗮𝗹 𝗱𝗮𝘆𝘀, 𝗶𝘀 𝗮 𝘁𝗼𝘂𝗰𝗵𝗶𝗻𝗴 𝗽𝗶𝗲𝗰𝗲 𝗼𝗳 𝘄𝗿𝗶𝘁𝗶𝗻𝗴. In 2015, rumours spread online about an essay claiming to contain his last words. However, it only surfaces on unofficial social media accounts and blogs, and neither the Jobs family nor Apple have confirmed its authenticity. Nevertheless, despite doubts about its origins, the essay's message continues to deeply resonate with readers. “I reached the pinnacle of success in the business world. In others’ eyes, my life is the epitome of success. However, aside from work, I have little joy. In the end, my wealth is only a fact of life that I am accustomed to. At this moment, lying on my bed and recalling my life, I realize that all the recognition and wealth that I took so much pride in have paled and become meaningless in the face of my death. You can employ someone to drive the car for you, make money for you, but you cannot have someone bear your sickness for you. Material things lost can be found or replaced. But there is one thing that can never be found when lost—Life. Whichever stage in life you’re in right now, with time, you will face the day when the curtain falls. Treasure love for your family, love for your spouse, love for your friends. Treat yourself well and cherish others. As we grow older, and hopefully wiser, we realize that a $3000 or a $30 watch both tell the same time. You will realize that your true inner happiness does not come from the material things of this world. Whether you fly first class or economy, if the plane goes down—you go down with it. Therefore, I hope you realize, when you have mates, buddies and old friends, brothers and sisters, who you chat with, laugh with, talk with, sing with, talk about north-south-east-west or heaven and earth, that is true happiness. Don’t educate your children to be rich. Educate them to be happy. So when they grow up they will know the value of things and not the price. Eat your food as your medicine, otherwise, you have to eat medicine as your food.
Surprisingly, Vanguard Group has not joined the Bitcoin ETF group yet. 😂 📣 https://elmads.com/?p=2394 — Learning Bitcoin (My Initial Journey into the Rabbit Hole) 📣 https://elmads.com/?p=4551 — Why Invest in Bitcoin? A third-world country perspective. 📣 https://elmads.com/?p=4547 — “IT IS CHEAPER TO PRINT THIS ON MONEY THAN PAPER” -The Zimbabweans #bitcoin #etf #cryptocurrency #knowledgeandpatience #elmads
1.) Worrying about other people's opinions. "It never ceases to amaze me: we all love ourselves more than other people, but care more about their opinion than our own.” ― Marcus Aurelius 2.) Judging other people. "Be tolerant with others and strict with yourself" — Marcus Aurelius 3.) Putting things off to the future. “Think of your many years of procrastination; how the gods have repeatedly granted you further periods of grace, of which you have taken no advantage. It is time now to realise the nature of the universe to which you belong, and of that controlling Power whose offspring you are; and to understand that your time has a limit set to it. Use it, then, to advance your enlightenment; or it will be gone, and never in your power again.” ― Marcus Aurelius 4.) Holding onto the past. “Regrets are a prison of our own making, but we are the ones that hold the key to our escape.” —Seneca 5.) Arguing with reality. "Everything we hear is an opinion, not a fact. Everything we see is a perspective, not the truth." —Marcus Aurelius 6.) Thinking you are going to live forever. "Don’t behave as if you are destined to live forever. What’s fated hangs over you. As long as you live and while you can, become good now" — Marcus Aurelius #LiveLongAndProsper #stoicism #mementomori #mensanaincorporesano #amorfati #sommumbonum #premeditatiomalorum #knowledgeandpatience #elmads
As Professor Richard Feynman said, "If you want to master something, teach it. The more you teach, the better you learn. Teaching is a powerful tool for learning." 📣 https://elmads.com/?p=12007 — Your Survival Number: A Guide to Balancing Money and Life 📣 https://elmads.com/?p=11809 — Your Financial CEO: Managing Free Cash Flow for a Wealthier Tomorrow 📣 https://elmads.com/?p=7510 — Things I’ve Learned in Investing That Are Also Applicable to Our Daily Lives #learn #read #takeaction #teachothers #payitforward #repeat #theconeoflearning #knowledgeandpatience #elmads
📣 https://elmads.com/?p=8992 — My Simple Investment Checklist with Greggs PLC 📣 https://elmads.com/?p=7348 — How to Understand & Research a Public Company from Scratch 📣 https://elmads.com/?p=7407 — Understanding a Public Company from Scratch – MD&A & Financials #investing #investing101 #investingforbeginners #stockmarket #stockmarketinvesting #wealthaccumulation #charliemunger #knowledgeandpatience #elmads
"Pension funds will be forced to reveal how much of savers' cash they invest in British businesses under new Government plans. The funds will also be required to publicly compare performance data on workplace pensions against their competitors, in a bid to help savers make 'informed choices'. More money has been poured into workplace pensions in recent years thanks to the rollout of automatic enrollment. Julia Hoggett, chief executive of London Stock Exchange plc and chair of the Capital Markets Industry Taskforce, added: 'Pension holders should know how much is being invested in equities in their home market. 'Investing in UK companies ultimately benefits those companies and the returns they are delivering, which supports the economy and the country in which pension holders live, to everyone’s benefit and in everyone’s interest.'" —https://www.msn.com/en-gb/money/other/pension-funds-forced-to-reveal-how-much-they-invest-in-british-businesses/ar-BB1jdeBs?ocid=financepwa&cvid=1ee890fea50e4d9e84a07d25186bdaa6&ei=35 One of the primary reasons why many pension funds avoid investing in UK public companies is due to the relatively stronger performance of other markets compared to UK equities. This discrepancy in performance plays a pivotal role in shaping investment decisions for pension funds. When pension funds identify better performance opportunities in alternative markets, they tend to allocate their investments accordingly to maximise returns and mitigate risks. This strategic decision-making process entails a thorough evaluation of diverse factors, such as economic conditions, market dynamics, regulatory frameworks, and growth potentials across various regions and asset categories. At the end of the day, pension funds are primarily concerned with generating returns on their investments. However, the UK government's decision to require pension funds to disclose their costs, net investment returns, and levels of investment in British firms by 2027 is undoubtedly advantageous for all residents of the UK. #Pensionfunds #unitedkingdom #pension #investing #Investing101 #knowledgeandpatience #elmads
“I have no special talents. I am only passionately curious.” —Albert Einstein #getlucky by #exploring and #takingaction #passionandpurpose #knowledgeandpatience #elmads
You are the artist of your own life. Don’t hand the paintbrush to anyone else. Attain your greatest version of yourself. 🙌🏼 #jordanpeterson #hustleandflow #selfimprovement #growthfocused #knowledgeandpatience #elmads
𝗦𝗲𝗹𝗳-𝘁𝗮𝘂𝗴𝗵𝘁 𝟭𝟬𝟭 — 𝗘𝗹𝗼𝗻 𝗠𝘂𝘀𝗸 𝗼𝗻 𝗵𝗼𝘄 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴, 𝗲𝘃𝗲𝗻 𝗿𝗼𝗰𝗸𝗲𝘁 𝘀𝗰𝗶𝗲𝗻𝗰𝗲, 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗮 𝗱𝗲𝗴𝗿𝗲𝗲. "Elon’s mental model for learning quickly is the ‘Knowledge Tree.’ The idea is to view knowledge as a tree so you can break it into bits. For example, ‘Trunks and big branches’ VS ‘Leaves and fruits’. When you understand the trunk first (i.e., the fundamental principles) before moving on to the leaves (the finer details), you can increase your learning capacity by 10x. This simple framework is how he was able to teach himself rocket science." —Eddie Cheng In general, degrees are mainly meant to qualify you for specific jobs. However, if you're more interested in learning for your own benefit and personal growth rather than aiming for a particular job or career path, then self-teaching might be the way to go. Don't get me wrong, degrees are essential for many of us to find jobs and achieve financial security. They can also serve as a backup plan (Plan B) if our initial career plans (Plan A) don't work out. The drawback of the self-taught route is that it requires a significant amount of time for reading, learning, and exploration. On the bright side, this process helps you broaden your knowledge and skills in alignment with your interests and own being, allowing you to delve deeply into a specific area of study. As Naval Ravikant said, "Reading is a META skill, where you use it to pick up new skills". In his words "So if you learn how to learn, it's the ultimate meta-skill and I believe you can learn how to be healthy, you can learn how to be fit, you can learn how to be happy, you can learn how to have good relationships, you can learn how to be successful...You can trade it for any other skill. And that all begins with reading." 📣 https://elmads.com/?p=9309 — The One Investment That Supersedes ALL Others #education #selftaught #knowledgetree #growthmindset #knowledgeandpatience #elmads
The Storm.. #resilience #antifiragile #knowledgeandpatience #elmads
What a wonderful tribute! 🔥 The most important decision you'll make is who to marry and who will be your trusted friends. It's extremely important in a way that they can make you successful by just always having your back and telling you straight to your face that you're making a dumb decision. RIP Charlie Munger, the "Architect" of the present Berkshire Hathaway Empire—stands out as one of the two non-technology companies among the top 10 largest firms in the S&P 500 index. This index top 10, largely dominated by technology companies, underscores Berkshire Hathaway's exceptional presence and influence despite being a non-technology corporation. 📣 https://elmads.com/?p=8126 — A Short History of Value Investing #tribute #charliemunger #warrenbuffett #valueinvesting #BerkshireHathaway #knowledgeandpatience #elmads
“Sam Walton believed it was important to keep our share price in a range where purchasing whole shares, rather than fractions, was accessible to all of our associates,” said Doug McMillon, President and CEO of Walmart. “Given our growth and our plans for the future, we felt it was a good time to split the stock and encourage our associates to participate in the years to come. As Sam said, ‘We’re all in this together. That’s the secret.’” 📣 https://elmads.com/?p=7690 — Beware of Share Dilution (Bonus Content about Stock Split) #investing #stockmarketnews #walmart #businessnews #stocksplit #investing101 #knowledgeandpatience #elmads
📚✨ Crowdsourcing! Hi Everyone!✨📚 What are your thoughts regarding a beginner-friendly 101-book series on investing? It would be great to hear your thoughts! Would you be interested in a comprehensive guide that simplifies the complexities of investing in easy-to-understand concepts, complete with actionable steps and relatable stories? 📈💡 Let me know by giving this post a thumbs up if you're interested (hit the like/thumbs up button), or if it's not your cup of tea, feel free to scroll past this post! If Yes — 👍 If Not — skip this post. Your feedback is highly appreciated, as this will help me gauge interest and shape the content to best serve your needs. Feel free to share your thoughts in the comment section below! 🗣️ —Evan Louise G. Madriñan, elmads.com #writing #bookseries #investing101 #investingforbeginners #publishing #crowdsourcing #feedback #knowledgeandpatience #elmads