@GabbbarSingh IMO it is got to do with the nature of products & consumer behaviour. Most of the banks’ products are consultative sell rather an impulse buy at grocery stores. A customer has more chances of buying a shaving gel while buying milk than someone taking a car loan on a visit to ATM!

Ok, I'll hop on this Elizabeth Warren/Native American testing bandwagon (gently and non-politically).

I've been a @23andMe customer for a while, and have followed their ancestry updates closely.

All is more or less as expected....except for this bit about Native American.

The family is almost completely composed of Spanish peasants (from various regions) who emigrated, along with a massive wave in the late 19th-cent./early 20th-cent., to Cuba back when it was a booming economy (richer than Spain's) and worth emigrating to (Communism killed that).

Also, the native population of Cuba was annihilated early on---was the first place the Spanish colonized after all. Having a native background in Cuba would be like having the same in, say, Massachusetts, particularly if you're (say) mostly Irish. Just really, really unlikely.

(Note: the North African/Arab background is less mysterious. The Iberian peninsula was part of the Muslim world for centuries. It would be odd *not* to have some Arab/Middle Eastern background coming from Spain. Given the family is mostly from Northern Spain, it's small though.)

I have a Spanish passport, have been back to the ancestral villages in Spain, seen the church where my grandmother was baptized, my grandfather told me stories about growing up as the child of Spanish colonists in rural Cuba. The native bit just clashes with all the family lore.

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!!!"

A brief thread on Jovan Hutton Pulitzer, the crazy con man who is now claiming to have hacked into the Georgia voting machines in Fulton County. 90s kids and tech aficionados might remember Jovan as the inventor of the CueCat, the dumbest gadget of all time.

Also, for anyone who wants to claim that Jovan Hutton Pulitzer (not his given name, but one he changed legally after the CueCat debacle) invented QR Codes: he did not. Like that other right-wing crazy man who claimed to have invented email, Jovan didn’t invent QR Codes.

He did invent the CueCat, a product that somehow raised $185 million dollars for a tethered barcode scanner for magazines and newspapers, so you could get ads from your ads. As I said, the dumbest product of all time. Good backup barcode scanners after they were hacked, however

Oh, that’s another thing. When CueCat was a thing, its systems were hacked. I guess that’s what makes Jovan a security expert. His bankrupt company from 20 years ago was hacked and widely mocked. He’s a genius.

In recent years, Jovan pivoted to being a treasure hunter who was featured on and widely mocked on Curse of Oak Island, because the man is insane.

Low-risk, High-return stocks are what we look for relentlessly

But many of them we know but ignore
some of them don't grab financial headlines

Here are 10 low-risk, high return stocks (that we ignore):

What I mean by “high-return”?

These stocks have OUTPERFORMED the market:

💹Chart with upwards trend Since IPO
💹Chart with upwards trend Over the last 5 Years or since IPO

These are all long-term winners that will keep on winning

What do We Mean by “low-risk”?

A combination of:

❣️Great management
❣️Broad moat
❣️Financially strong
❣️High ROCE
❣️Low Disruption/Dilution/Volatility
❣️Consistent Organic Growth
❣️Assorted Customers/Suppliers
❣️Low debt

1-#CDSL

A depository is a big business and will grow continuously, Its a sustainable business
cause "Market hai toh CDSL bhi hai or rahega"

2- #Dixon

High Management Efficiency with a high ROE of 19.30%
Healthy long-term growth as Net Sales has grown by an annual rate of more than 30%
High Institutional Holdings