Sunday, December 11, 2022

A Pakistani agent stayed in Kashmir with open access for 10 years.

The Pakistani agent who stayed in Kashmir with open access to corridors of power for 10 years.

It is incredible indeed that a German-American woman working for Pakistan’s government and agencies, who is allegedly behind the current terror threats to 76 Kashmiri journalists, stayed in Jammu & Kashmir for 10 years with open access to the corridors of power in the state before she was deported on the Centre’s direction in 2016 (Modi govt). Carin Ingrid Fischer a.k.a. Carin Jodha Fischer a.k.a Carin Matheke is a German origin US national who surfaced in Kashmir during the Congress-PDP government with the recommendation of a senior Congress leader and Chief Minister of Madhya Pradesh in 2006.

Information gathered by Central intelligence agencies indicates that the hit list aimed to eliminate Kashmir’s journalists has been prepared by Turkey-based Kashmiri activist Mukhtar Baba who allegedly took inputs from his network of contacts in the valley.

Baba has been reportedly settled in Turkey by Carin Jodha Fischer. He has frequently visited Pakistan from Turkey, spread false narrative and groomed the valley’s youths for terrorism under the banner of TRF.

Carin developed an intimate liaison with the PDP president and then Chief Minister Mehbooba Mufti. She operated as her undeclared Public Relations Officer from the Chief Minister’s residence, running social media campaigns against Farooq Abdullah’s National Conference.

She also participated actively in the PDP leader Dilawar Mir’s election campaign in Rafiabad in 2008 and was once arrested on the complaint of the NC candidate Javed Ahmad Dar.

While overstaying in Kashmir without permit for several years, Carin operated as founder of the NGO ‘Rafiabad Rural Development Foundation’ and Managing Trustee of the NGO ‘J&K Rural Development Foundation’. 

However, there is no trace of these NGOs’ registration, despite the fact that some of the very prominent Indian politicians attended their events.

Before joining Mehbooba Mufti in Srinagar, Carin remained mostly based in the then senior PDP leader and Minister of Tourism Dilawar Mir’s Assembly constituency of Rafiabad in the Baramulla district of northern Kashmir.

Despite no exposure in the field, she was projected as a ‘tourism expert’ and given contracts worth Rs 96 lakhs for ‘promotion of tourism’.  Soon she developed contacts with a number of the ruling PDP and Congress leaders.

Several Ministers, two prominent editors and a leading automobile businessman, according to local CID reports, didn’t let the Police deport her for years. Under their pressure, the authorities extended her permit year after year.

In the year 2016, Carin was deported under the Modi led BJP Government’s instructions, despite Chief Minister Mehbooba Mufti’s resistance, as the Central agencies reported her as a “security threat”. By then she had overstayed for 4 years.

In January 2021, Prime Minister Imran Khan’s Pakistan Tehreek-i-Insaf (PTI) hired Carin’s firms for lobbying against India for a monthly remuneration of $7,000. The PTI functionary Bilal Ahmad Ghaffar of Sindh was mentioned as principal officer in the lobbying contract.

The job profile included government relations, media relations, public relations and “grassroots advocacy mobilization in Indian Kashmir”.

According to reports from Washington DC, Carin has lately started working with the US career diplomat and lobbyist Robin Raphel who worked as Assistant Secretary of State for South and Central Asian Affairs in President Bill Clinton’s government in 1993-97 and called for referendum in Kashmir as per the UN resolutions. Imran Khan is one among Raphel’s clients. In 2013, based on the intercepted conversations of a Pakistani official, the Federal Bureau of Investigation (FBI) suspected Raphel of having passed on the US government secrets to the Pakistani government. Her house was raided in 2014. Her post-retirement contract with the State Department was allowed to expire prematurely on 2 November 2014.

However, the Justice Department closed the case in 2016. Now based in Washington DC, Carin runs two lobbying firms, both registered in October 2020—Chinar Consulting LLC (EXTUID-4282772) and Kashmir Action Network (EXTUID-4283151). Both have jurisdiction limited to DC.

Carin made her first entry into India after she met Samar Jodha, a well-known Indian photographer during his photo exhibitions in Washington DC. Later Samar Jodha of Madhya Pradesh married her in Kerala. However, their union did not last long.

As per one of the blog entries of Carin, both undertook a road trip from Yunnan (China) to Assam in India. However, they couldn’t complete the journey and were sent back by the Myanmar authorities. Nonetheless, they managed to enter India through Assam.

As per the India Business Directory by Amelia Publications, Carin served as the Director of Public Policy & Regulatory Affairs of a Delhi-based PR company ‘Perfect Relations Limited’, which was registered on February 25, 1994, by the co-founder Dilip Cherian.

It is one of the leading PR agencies that has been also providing consultancy to various political parties in India.

Carin is no longer on the board of Perfect Relations.

Its current board members include Anand Sharad Bhadkamkar, Ashish Bhasin, Dilip Cherian (Director), Nicholas James Latta Tomlinson.

Here is her Twitter handle @Carin__fischer 👈🏻

The Modi led BJP govt has asked for her account to be blocked in India. 
Always the dirt trail leads to Congress media lobbyists, Rajdeep Sardesai and Sagarika Ghose. Media in India has become super corrupt and powerful under 60 years of Congress rule. Many media persons act as power brokers and fix ministerial berths for Congress and have been caught on tape (Barkha Dutt and Niira Radia). But due to close nexus with then Congress govt, these corrupt people have not been prosecuted in India. 




Tuesday, November 29, 2022

The History of Kashmir occupation, persecution and exodus

The Kashmir Files 


This is story of the most persecuted community of world. 

A community that faced an exodus, not once or twice but seven times from their homeland in last 683 years and is still facing the same atrocities.

Its based on 100% truth

The origins of Kashmiri Hindus.

5000 years ago, Rishi Kashyap, in search of lone place for meditation reached to Himalaya.
(Rishi = Sage) 

That time there were no human there, only mountains, lakes, rivers and mother nature. 

Rishi Kashyap made that place his home and started to live there n that place called Kashmir (Land of Rishi/Sage Kashyap)

Slowly slowly Kashmir became land of intellectuals. Family of Kashyap Rishi got bigger.

They used to do meditation, used to write scriptures and used to live minimal life. 

That community was called Kashmiri Pandit (Kashmiri Hindu).

Pandit means scholar in Hinduism. 

Kashmiri scholars gave fantastic writers n scholars like – Kalidas, Vishnu Sharma (Panchtantra), Charak, Nagasena, Vagbhatt

During Ashoka (304–232 BCE), many stupas, shrines dedicated to Shiva, and the city of Srinagari (Srinagar) were built.

Kanishka (127–151 CE), established new city Kanishkapur. 

In Karkota Dynasty (625–855 CE) Kashmir emerged as a center of culture and scholarship. 

In Lalitaditya (724–760 CE) rule Kashmir produced many poets, philosophers who contributed to Sanskrit literature and Hindu religion.

Vasugupta ( 875–925 CE) wrote Shiva Sutras which laid the foundation of Kashmir Shaivism.

Kashmiri hindu gave only knowledge, art and happines to world. By doing this they lived their happily but their bad days started in fourteenth century.

Happy part of their lives ends here. 

The year was 1313.When an eclipse “Islam” entered in Kashmir.

You might be thinking why compare a religion to an eclipse which is considered inauspicious in Hinduism. But as you read on, you will understand it clearly.

Suhadeva was king of Kashmir in 1313. He made a mistake by giving shelter to Shah Mir from Swat Valley. Shah Mir is considered to be descent of Partha (Arjun) from Mahabharat era. But as is common with Islam, the origins are muddled once again as they don't like to associate themselves with their original lineage and like to whitewash their lineage to prove themselves as 'original' that has nothing to do with other religions. They refuse to accept the fact that they are converts as Islam is merely 1500 years old where as Hindu religion is in existence for multiple yugas which is a well documented fact that can be verified by the multiple books written by divine Hindu Rishis and Sadhus. 

Some believe Shah Mir to be of Swati origins of Shah Mir.
Swati are Afghans came to Dir Malakand region in time of Ghaznavi. But it doesn't really matter because at that time Afghanistan was also part of the great land of Hindustan.

Kashmir faced first attack from Turkey. War kept going and to stop the war Queen Kota Rani, widow of Suhadeva’s brother, Udayanadeva, offered alliance and married Shah Mir but surprise surprise, she 'happened' to die on the wedding night itself and the beneficiary of her death was none other than Shah Mir who became the first Islamic ruler of Kashmir. 

Immediately secularism was thrown out of the window as Shah Mir issued Islamic rules in Kashmir. Even though he didn’t directly ask Kashmiri Hindus to convert or leave. The rules of his empire were pretty atrocious and racist leading to Hindus reducing to second class citizens in their own land. You can see for yourself and judge.

Not a thankful behavior from someone who was welcomed warmly and was given refuge by the peaceful, kind, loving Hindus. 

First Exodus of Kashmir (1379)

Kashmiri Hindus who were living there happily from 5000 years became slaves in their own home and their first genocide started in 1379. 

When after Shah Mir, Sikandar Butshikan (but-shikhan is destroyer of idols/temples - Pakistan had an army regiment in 1965 that earned this moniker by targeting Hindu temples. The members of this regiment were called but-shikhan.) became the King of Kashmir in 1379, he started to persecute Kashmiri Hindus vigorously.

Women were raped, men were killed, lot of Kashmiri Hindus converted and those who refused to convert left their homes. Temples were razed and were replaced by mosques as the religious landscape changed in the region.

Peaceful Kashmiri Hindus who lived there happily for thousands of years, never imagined they would face this fate but little did they know, it was just beginning of the atrocities they were to face in the coming times.

Second exodus of Kashmiri Hindus (1505)

Without any alternative, the benign Kashmiri Hindus started to live with their new rulers and next 125 years passed but then came another storm in the lives of Kashmiri Hindus. 

Second exodus happened in 1505 to 1514 when Fateh Shah II became king of Kashmir and Kashmiri Hindus once more faced same fate that they had in 1379.

Third Exodus (1600-1700)

This time it was Mughals. Prominently Shah Jahan and Aurangzeb. 

Saha Jahan’s commander Sardar Itquad Khan, specialized in converting Kashmiri Hindus under extreme torture. 

Aurangzeb and his governor, Iftekhar Khan, continued the 'legacy' of raping and killing unleashed by his predecessors.

Strangely, the hate flowed very easily from one generation of Islamic rulers to the next. It had to have been taught systematically, both inside the house# and outside the house.

#(At that time, and even now in many places, women are not allowed to study in Islamic countries as women don't have same rights as men in Islam). 

Fourth Exodus (1752)

Durranis of Afghanistan attacked Kashmir and took control in 1752. 

While the regime changed in Kashmir, there was very little that changed for the better in the lives of Kashmiri Hindus. 

The Durranis were even more brutal than Aurangzeb.

Same story again. Rape, killing, conversions, exodus.

After 70 years, Kashmiri Hindus again got some happy days. In 1819, the Kashmir went into the hands of Sikhs. 

After Maharaja Ranjit Singh, Dogra king Gulab Singh became king of Kashmir. The original Kashmiri culture flourished once again. 

Its pertinent to note that under the Sikh and Dogra rule, Muslims of the Valley did not suffer any discrimination. This peace lasted till 1931 and then happened 5th exodus of Kashmiri Hindus.

Fifth Exodus (1931)

In 1319 Kashmir was 100% Hindu but by 1931 It had become Muslim majority. 

A British officer’s cook Abdul Qadeer was facing sedition charges for his fiery remarks against king Hari Singh in 1931.

His trial stirred up sentiments among the Muslims and protests were being held against the Dogra ruler. Things became ugly after the protesters were fired upon by local governor Trilok Chand.

This firings triggered communal violence and Kashmiri Hindus were once again targeted, attacked and Killed, properties of Kashmiri Hindus were looted, and the community had to once again flee from the valley they established centuries ago in 1319.

Sixth Exodus (1947 - 1980)

India got independence in 1947 but Kashmir could not.

Due to Mistake of Jawaharlal Nehru, Half of Kashmir was captured by Pakistan and the half that was IN India went into a limbo due to article 370.

Article 370 allowed Pakistanis migrants to settle in Kashmir and allowed them to be called natives. They could purchase land, build houses, marry Hindu women. An Indian moving into Kashmir was not given the same benefits and he could not buy land as he was not given a local status in Kashmir. He remained a migrant even in the Indian side of Kashmir and he could not enter the Pakistan occupied Kashmir. Strangely, Pakistani were allowed to settle in Kashmir. How can any sensible person sign upon such a biased and lop sided agreement? But we are talking about Nehru who not only blundered in Kashmir, but also happily gave away 660,000 Sq kms of Aksai Chin to China, refused to take Nepal and Tibet into India, etc. Sane logic and decisions that favor India could not be expected from this man.

ISI started radicalization in Kashmir and from 1950 -1980. Kashmiri Hindus kept facing discrimination under the Abdullah govt and a lot of Kashmiri Hindus once again had to flee from Kashmir during 1947 to 1980.

In 1971 Indira Gandhi got golden opportunity to free Kashmir from Pakistan but she wasted it. Power hungry Congress was never in favor of reclaiming any lost Indian territory.

Seventh Exodus (1990)

Most brutal exodus happened not in some middle age Islamic era but in modern democratic India.

On 19th Jan 1990, targeted killing of Kashmiri Hindus started, women were raped on road, kids were shot in eye. Over 5 lakh Kashmiri Hindus left Kashmir Valley and could never return till now.

It was during this exodus that Islamic reporters like Barkha Dutt openly whitewashed the brutal killings of Kashmiri Pandits on religious grounds by Islamic terrorists, many of whom were neighbors of Hindus living together for many decades by blaming the Pandits for "taking away the jobs from Muslims". You can watch her video on YouTube here where she shamelessly victim blames the peaceful Kashmiri Pandits as if they had it coming. It's very surprising that such a shameless reporter went on to become a prominent journalist in India under Congress Raj and further continued to remain a journalist who went on committing many more internal hit jobs against India while staying in the country. Her misgivings against India deserve its own separate post.

Such was the toxic political environment in India under Congress Raj that no political leader came forward to give a safe harbor to the Kashmiri Pandits. It was at this time a lone voice arose from the west and Balasaheb Thackeray spoke up in support of Kashmiri Pandits and offered them refuge in Mumbai.

In 2014 when BJP'S Modi became PM, he started 'operation All Out' in which radical terrorist were neutralized in large number, 

In 2019 GOI revoked article 370 and took Kashmir out from limbo and Kashmir truly and fully became a part of India once again. Indians could purchase land in Kashmir and the discrimination imposed by article 370 was finally removed by the Bhartiya Janata Party's government under the able. Leadership of Shri Narendra Damodardas Modi.

but still, Kashmir remains a largely Islamic region and the original inhabitants of Kashmir are unable to go back to their mother land due to constant threats to their life. 

Kashmir was 100% Hindu in 1319.
60% Muslim in 1947. 
And almost 100% Muslim by 1991. 

No community in the world faced so much persecution as KH faced n still facing from last 683 years.

19th Jan is considered as Holocaust day of Kashmiri Pandits and observed as a black day in the modern history of India.


Conclusion.

You can see for yourself, how difficult things can get for non Muslims under Islamic rule.
Once the religious demographic of a region changes, Islamic rule is inevitable. 
Sharia laws are swiftly implemented. 
Secularism goes out of the window. 
Tolerance is non existent.

Population of other religions decline under Islamic occupation as the existence of non-Muslims itself becomes questionable. This can be seen and verified by observing the steady decline of the Hindu population in the recently formed Islamic countries of Pakistan and Bangladesh.

While the minority Muslims have thrived in a Hindu majority India, the same rights and freedom is not given to minorities under Islamic rule. That's why many Hindu leaders often say that India is secular only because Hindus are in majority. This is not based out of any bigotry or Islamophobia but because of these easily observed and verifiable facts. 

It's then obvious why all countries fear the demographic change in their country as Muslim population grows and the political landscape changes both organically thru multiple marriages, large number of kids and inorganically thru population jihad, love jihad, infiltration, illegal migration etc.


The heart really goes out to Kashmiri Pandits and like the jews, I can only hope they are given the justice they deserve and their genocide is not mocked upon or laughed at.

The world needs to be very kind to this persecuted community as they have suffered far too much and for far too long. They need to be given kindness to heal. 

Jai Shri Ram 🚩 and Jai Hind 🇮🇳

Saturday, November 26, 2022

Elon Musk on Meetings vs effective communication

Elon reportedly send this mail to Tesla employees:

1) Avoid large meetings
Large meetings waste valuable time & energy
- They discourage debate
- People are more guarded than open
- There’s not enough time for everyone to contribute
Don’t schedule large meetings unless you’re certain they provide value to everyone

2) Leave a meeting if you’re not contributing
If a meeting doesn’t require your:
- Input
- Value
- Decisions
Your presence is useless.
It’s not rude to leave a meeting.
But it’s rude to waste people’s time. 

3) Forget the chain of command
Communicate with colleagues directly.
Not through supervisors or managers.
Fast communicators make fast decisions.
Fast decisions = competitive advantage.

4) Be clear, not clever
Avoid nonsense words and technical jargon.
It slows down communication.
Choose words that are:
- Concise
- To the point
- Easy to understand

Don’t sound smart. Be efficient.

5) Ditch frequent meetings
There’s no better way to waste everyone’s time.
Use meetings to:
- Collaborate
- Attack issues head-on
- Solve urgent problems

But once you resolve the issue, frequent meetings are no longer necessary.

You can resolve most issues without a meeting.
Instead of meetings:
- Send a text
- Send an email
- Communicate on a discord or slack channel

Don’t interrupt your team’s workflow if it’s unnecessary.

6) Use common sense
If a company rule doesn’t:
- Make sense
- Contribute to progress
- Apply to your specific situation
Avoid following the rule with your eyes closed.
Don’t follow rules. Follow principles.


26-11 terror attacks on Mumbai

If you are one of those who were born after 2004, you will probably cast your first vote in 2024, or 2029, but you were not born when Parliament attacks happened, you were a toddler when train and market blasts were routine, and you were at best 4 when 26/11 happened, and 10 in 2014.

By no fault of yours, you don't understand what happened the three days during 26/11, the magnitude of it, and our sheer shock. For most of us, it was confusing, for we were just wondering how it could happen, and it did. Further, the meek after response left us shattered.

I can't stress this enough, but a billion Indians languished for mental closure after 2008, and they did not get it for over a decade, until 2019, but what you see today, the entire national security ecosystem, it is the extreme opposite of what we had during those days.

No easy way of putting this, but we were assumed to be sitting ducks, and after 26/11, that feeling only grew. So, read about those days. Talk to your elders. Understand the transformation we live in today. Talk about train blasts in Mumbai (2006) and Delhi market blasts (2008).

Today, around Diwali, we get angry about cracker bans and what not, and I find it to be a luxury, given the routine conversation around Diwali, back in the day, was the imminent security threat, and how some attack may happen, as it did in Delhi in 2008, weeks before 26/11.

Beyond the wrongs of it, there are two crude facts that haunt us from that era. One, we did not respond to Parl attacks of 2001 and the Mumbai attacks of 2008. The emotion people felt back in the day, hard to put into words, but they'd have not opposed the decimation of Pakistan.

Two, the Congress government we had, post-2008, wanted to use 26/11 as a launchpad to attack the Hindus (RSS ki saazish BS), and not as an opportunity to take out Pakistan. 

Don't hate Congress because they have RaGa. Hate them for their lack of spine and national consciousness.

So, when the likes of Kejriwal and low-IQ influencers on IG tell you that the India of today is unsafe and unhappy, dismiss their BS, and take a trip down the troubled memory lane. Trust me, you don't want to feel, as a child, growing up, what many felt in the 2000s.

Things to do in your 20s for a successful future

Men in your 20s, disappear for 6 months, do this and you'll retire filthy rich in the next 10 years...

1. Move out of your hometown

Leave the typical norm you grew up in and seek new challenge.

You're a product of;

• What you've experienced
• Who you hang out with
• What you were told

This forms the basis of your reality

Instead, move out and you'll learn how to be independent

You'll expand your imagination when you;

• Meet new people
• Seek new challenge
• Experience new realities.

2. Connect with high value people

Before you consider this, first priotitize your self-care;

• Dress clothes that fit
• Invest in expensive shoes
• Have a good hair cut
• Smell nice. 

Then equip yourself with social skills to help you interact with ease

Learn how to;

• Start and hold a conversation
• Ask questions and respond right
• Target and approach valuable people

Places to meet high value people:

• Attend conferences and seminars
• At the gym
• Online

Where else?

3. Work out 7x a week 

If you can't work out everyday, how can you expect to even be rich?

Set aside 40 mins a day to do this;

• Hit 300 push ups (30×10)
• Do 200 squats (20×10)
• Perform planks (1min × 2)

In 6 months, you'll have formed chest, strong arms and legs.

 4. Learn a high income skill.

You don't have to complicate it, do this;

• Choose a skill
• Select 10-20 Youtube channel teaching the skill
• Binge watch it for 100 days
• Start to practice as you get better

I recommend these 5 skills.

Learn how to;

• Trade
• Code
• Do sales
• Copywrite
• Grow a youtube channel

Fact: A skill is 10x more valuable than a degree

5. Learn how to invest

Start by investing in yourself, you're your own first priority.

Do this;

• Eat healthy
• Invest in your bed (sleep like a king)
• Take yourself on a solo date

Then, invest in;

• Courses
• Mentorships
• Appreciating assets
• Open 15+ businesses


11 shocking facts about money.

1. Money DOES BUY happiness.

It is not money that makes you unhappy.
It is chasing money as makes you unhappy.

2. It is (mostly) more profitable to rent than to buy

Buying is mostly an emotional decision, stemming from a worldview that ownership means success.

Buy, when you have excess.
Rent, when you are on a budget.

3. You play safe with your money, if you do not know how to make it again.

Until you do not understand a way of making more money from money, you will always hold on to the money you have.

4. Spending money for your well being is an investment.

Buying a comfortable chair to WFH, is an investment, not an expense.
Eating healthy, is an investment.
A good pair of shoes, a good mattress, a good pillow - are investments.
Therapy is an investment.

Don't be cheap here!

5. Your partner will influence your money, more than your knowledge.

Who you spend your life with, their worldview, their approach towards money, their risk profile - all have a far bigger influence on how you treat your money, than your own knowledge.

6. No one wants to get rich slowly.

The surest way of getting rich is to be patient with it.
- Build multiple streams of income
- Keep expenses low
- Do not take loans to buy things that make you look rich
- Invest every month, whether up or down
It is boring!

7. Money's job is to set you free, not make you rich!

Money gives you choices, it gives you options, it gives you freedom.
At the best end of the spectrum, it gives you your time.

That is when money has truly worked for you.

8. Rich does not mean wealthy

You are rich when your active income is a lot.
You are wealthy when your passive income equals or exceeds living expenses.

9. Money will not change you. It will reveal you.

If you are an inherently kind person, money will make you kinder.
If you are an inherently charitable person, money will make you more charitable.
If you are an inherently proud person, money will make you prouder.

10. You (most likely) do not know how much money you are chasing. Hence you will keep chasing forever!

Do you know how much money is that, for you?

11. We all have 2 lives when it comes to money

- Get to the amount you need to live life and do all the things you want to do and need to do. 
- Make more money

1 is mandatory.
Will take time.
If you try to find shortcuts, you won't get past it.

2 is optional & a LOT of fun!



Money is a good servant, but a bad master.

- Francis Bacon

Some references that might help:

1. Buy or rent a house?
youtu.be/cpw4Cg3Gpx8

2. Regular income from your investments
youtu.be/oNcs95JtUUM

3. How much money do you need in life?
https://youtu.be/13nhoS_XYfg


Tips to improve sleep quality

If you sleep less than 7 hours a night, read this:

When you regularly get less than 7 hours of sleep, you increase the risk of:

• Stroke
• Depression
• Weight gain
• Loss of memory
• Heart complications
• Increased blood pressure

Apply these 10 habits and you’ll experience the best sleep you’ve ever had…


1) Journaling
Stimulation, like TV or playing on your phone, creates open loops.
Putting them in a journal closes them.
How?
Journaling lets your mind actively come up with solutions.
Once it’s written down, your brain sees it as stored.
As a result, your mind rests.

Of course, cutting out TV, phone, not watching news is still the best way to avoid simulation.

Read a book. It's calming, no blue light exposure, increases vocabulary, enhances brain power. 

2) Limit blue light before bed

This artificial light comes from screens like your:

• TV
• Phone
• Computer

It makes your brain think it’s daytime and suppresses melatonin.

Avoid blue light 1 hour before trying to sleep.

If you can’t, invest in blue-light glasses.

Jump to end of point 1.
Read a book! 

3) Cut caffeine early

Caffeine destroys the quality of your sleep.

This stimulant blocks your adenosine production.

What’s adenosine?

The hormone responsible for promoting sleep.

 Caffeine will stay in your body for roughly 10 hours.

So if you go to bed at 10pm:

Don’t have caffeine past 11am.

8 hours of quality sleep beats 4 cups of coffee any day.

4) Sleep at a consistent time

Sleep is regulated by your circadian rhythm.

This is your system's clock.

If you go to bed early one night, then late the next, you throw it off.

Create a regular time to go to bed and wake up.

You’ll fall asleep quickly and wake up energized.

5) Optimize your room

To optimize for sleep, focus on:

1) Light
2) Comfort
3) Temperature

The easiest way to cover all three:

• Blackout curtains 
• An air conditioner or fan
• A high-quality pillow and mattress 

This is an investment in your health, not an expense.

6) Let your mind relax

The open loops created by stimulating activities gives your brain a problem to solve.

It keeps the analytical part of your mind engaged.

These “problems” keep you awake.

Schedule a zero-work time 1 hour before bed.

Your brain needs the break.

7) Meditation

Take 10 minutes out of your day to meditate.

In many studies, meditation has been shown to:

• Reduce anxiety 
• Calm your mind
• Lower your heart rate

Which all helps you fall (and stay) asleep.

Great apps if you’re new to meditation are Calm and Headspace.

8) Get sunlight

Get natural light for 5-15 minutes after waking.

This helps your circadian rhythm know the day is starting. 

And by doing so, regulates your sleep cycle and makes it easier to fall asleep.

The earlier the light exposure, the earlier you fall asleep.

9) Keep temperatures cool

The optimal temperature to keep your room is:

60°F to 67°F (15.6°C to 19.4°C)

This helps your body stay cool, and at a temperature that promotes sleep.

Invest in a portable A/C unit or fan if necessary.

If you live in a warm climate, you don't need to lower temperature all the way to 16-19 degrees. Lowering temperature by a few degrees than ambient temperature is more than enough. It's the relative temperature that counts as comfort to your brain and body. 

In fact, lowering temperature by too much can have opposite effect as too much cold will make you uncomfortable.

A/C means closed windows. This will also help you quieten your environment if you stay in a noisy place. Noise is also a stimulant and lowering noise helps quality of sleep immensely.

Make sure to get fresh air circulation in the room during daytime to avoid the room become muggy and stuffy.

10) Don’t exercise at night

The body prepares for sleep by reducing your:

• Heart rate
• Brain waves
• Body temperature

But exercise increases your:

• Heart rate
• Levels of arousal
• Body temperature

Make it a rule to not exercise 3 hours before bed.

10 tips for consistent sleep:

1) Journal
2) Reduce blue light
3) Cut caffeine early
4) Sleep consistently
5) Revamp your room
6) Let your mind relax
7) Meditate before bed
8) Get sunlight exposure
9) Cool your temperature
10) Don’t exercise late at night

Sunday, November 20, 2022

Cheat codes I know now I wish I knew earlier

1. Use workouts to gain muscle, diet to burn fat and cardio to improve your overall health & longevity.

2. Eat a high protein diet comprised of whole foods for the best body composition.

3. When lifting weights use your mind to muscle connection to increase muscle contraction.

4. Upon waking drink water before coffee.

5. Delay coffee 1-2 hours upon waking. This lets cortisol clear out adenosine, which can lead to sustained energy into the afternoon.

6. Use your nose for smelling & breathing. Use your mouth for talking, tasting & eating.

7. Mouth breathing disrupts sleep, ruins oral health & can cause sleep apnea. Mouth taping at night helped me solve this.

8. Mouthwash is the biggest dental scam. Kills your oral microbiota. Avoid.

9. Avoid fluoride in your toothpaste. Use ones that have hydroxyapatite.

10. Sleep at the same times every day. Align your body with the rising & setting of the sun.

11. The 321 method for better sleep. No eating 3 hours before bed. No liquids 2 hours before. No screens 1 hour before.

12. If you look at screens at night wear bluelight blockers.

13. You sleep for 1/3 of your entire life. Learn how to optimize it and make it make it as awesome as possible.

14. Memory is fallible. When you have a good idea write it down immediately.

15. Your best ideas come in the shower, walking or in the gym. Keep a notepad ready.

16. Peel a boiled egg by rolling it around your plate for awhile until all the shells are cracked. This makes it easy to remove the complete shell in one shot.

17. Close the toilet bowl when flushing to avoid particles of filth sprouting up into your bathroom atmosphere.

18. The more you criticizes others the more you criticize yourself. If you want to judge yourself less judge others less.

19. Stay away from people who always complain. They are energy vampires.

20. Stay away from people who gossip. They are most likely gossiping about you.

21. Learn a martial art to increase discipline, confidence & release stress.

22. Seek rejection daily. This numbs you to the feeling. Also, you only get what you ask for.

23. Take complete ownership for every result in your life. The only constant in every result is you.

24. When someone is walking in your path look at their shoulder closest to you. 9 times out of 10 they will move out of the way.

25. Be in rooms where you're the dumbest person. Workout at gyms where you're the least fit person.

26. When you feel an emotion don't numb it. It'll only make it feel worse later. Feel it fully then let it go. Emotion is energy. We must let it pass.

27. You can tell a lot about someones character by how they treat service staff.

28. Money & alcohol amplify who a person is at their core.

29. When someone shows you their true colours believe them.

30. A few months a year go monk mode. Eliminate all distractions & vices and use that energy to build your health & business.

31. Who you choose as a partner will determine your level of peace, wealth & happiness.

32. Your perception is reality. If you want a better reality change your perception.

33. You'll never be as young as you are now. Do what you feel you're meant to do.

34. Your best decisions come from stillness. Stillness is amplified in nature & meditation.

35. You can only get stronger when you face problems in life. Embrace the fucking struggle.

36. Show up up, do the work & seek ways to grow. Do this every day & watch what happens.

37. Trust people who say "I don't know" more than the people who have all the answers.

38. Seek feedback from those in the arena. Not from the ones who are boo'ing from the cheap seats.

39. No one cares. Work harder.

40. Instead of giving your kids what you wish you had teach them things you wish you knew.

41. Keep a small circle. It's better to go narrow & deep than wide & shallow.

42. True wealth is about being physically & financially healthy while living in a household full of love.

That's it. Life's a game. Collect experience points, crush your enemies & explore. Hope these cheat codes help you in your journey.

If you got value out this thread:

1. Follow @FitFounder on Twitter for more of these. 
You can read this thread here


Wednesday, November 9, 2022

Science experiments you can do with your kids

More than any degree, what is needed in life is critical thinking, scientific temper and a curious mind.

I had made a list of experiments to inculcate the same.

🔬Create a Sea Breeze

Why is there breeze near the sea?

https://www.sciencebuddies.org/stem-activities/beach-wind

🔬Sink Or Float - Experiment With Oranges And Water

Concept explained - Life jackets
https://sciencekids.in/sink-or-float-experiment/

🔬Make a Human Sun Dial

Concept: Time, Shadows, Astronomy, etc
https://teachbesideme.com/fun-dial/

🔬How Much Salt is Needed to Float in Water?

Concept: Density
https://www.upliftingmayhem.com/much-salt-needed-float-water/

🔬How to fit a boiled egg in a bottle?
https://www.scienceworld.ca/resource/egg-bottle/


🔬Make coloured Convection currents

Concept: Gravity, heat transfer
https://teachbesideme.com/colored-convection-currents-experiment/


🔬Separating colours

Separate colours into their constituent colours
https://buggyandbuddy.com/chromatography-butterflies-separating-colors-in-markers/

🔬Potato floating in the center of a glass of water?!

Show your kids some magic!
https://www.encourageplay.com/blog/creative-problem-solving-activities-for-kids

Which STEM activities have you done with your kids?

Do share in the comments.

Saturday, November 5, 2022

10 books to read right away to change your life

If one could read only 10 books their entire life these are the ones....

1. Linchpin, by Seth Godin @ThisIsSethsBlog 

Tells you how to become indispensable.
Not just at work.
In life.
Powerful book!

Here is where you can buy it from Amazon. LINCHPIN https://amzn.eu/d/3p7Kcr8
#1 bestseller in Self-help for the workspace 

2. Sapiens by Yuval Harari @harari_yuval 

Tells you how did we as humans come to dominate this planet.
What made agriculture, money, religion happen.
What made us happen!

Here is where you can buy it from Amazon.
Sapiens: A Brief History of Humankind https://amzn.eu/d/0ANrbq8
#1 bestseller in History of ideas

3. The Monk Who Sold His Ferrari by Robin Sharma @RobinSharma 

Tells us the miracles and wonders of living a fulfilling life, through the life of Julian.
But this is not Julian's story.
It is our story.
Everyone's story!

Here is where you can buy it from Amazon.
The Monk Who Sold His Ferrari https://amzn.eu/d/1UosrhP


4. Man's search for meaning by Viktor Frankl

Shows us the way to transcend suffering and find significance in the art of living.
Tells us that our deepest desire is to search for meaning and purpose.
Incredible!

Here is where you can buy it from Amazon.
Man's Search For Meaning: The classic tribute to hope from the Holocaust https://amzn.eu/d/6oWaYIw
#1 bestseller in US History 

5. Atmamun by Kapil Gupta @KapilGuptaMD 

This book is possibly the most powerful one I have read till date. 
The book is for everyone.
But everyone is not ready for it!

Here is where you can buy it from Amazon.
Atmamun: The Path to Achieving the Bliss of the Himalayan Swamis. and the Freedom of a Living God. https://amzn.eu/d/99xAlSC

6. Courage to be disliked by Ichiro Kishimi @kishimi and Fumitake Koga @fumiken 

Tells us how we are all free to determine our own future free of the shackles of past experiences, doubts and the expectations of others.
Life-changing book!

Here is where you can buy it from Amazon.
The Courage To Be Disliked: How to free yourself, change your life and achieve real happiness (Courage To series) https://amzn.eu/d/6t1te95
#1 bestseller in Society and Culture 

7. Rework by Jason Fried @jasonfried and DHH @dhh 

Tells us how to reimagine work, breaking most notions that have been set by the world, fed by the world. 
Possibly the most unique business book one will read!

Here is where you can buy it from Amazon.
ReWork: Change the Way You Work Forever https://amzn.eu/d/dxvNoXj


8. Psychology of Money by Morgan Housel @morganhousel 

Tells us that making money isn't as much about knowing how to, as it is about how you behave with money.
Possibly the only money book one needs to read!

Here is where you can buy it from Amazon.
The Psychology of Money https://amzn.eu/d/fIanpM4
#1 bestseller in Personal Transformation 

9. Almanack of Naval Ravikant by Eric Jorgenson @EricJorgenson 

A terrific compilation of @naval's thoughts on building wealth and creating long-term happiness.
A book that will inspire you to create your own path, as against follow someone else's!

Here is where you can buy it from Amazon.
The Almanack Of Naval Ravikant: A Guide to Wealth and Happiness https://amzn.eu/d/dIUxu36
#1 bestseller in Psychology 


10. Atomic Habits by James Clear @JamesClear 

Tells us the power of tiny habits, that slowly and steadily bring about massive changes in one's life.
One of the most liberating books one will read.

Here is where you can buy it from Amazon.
Atomic Habits: The life-changing million copy bestseller https://amzn.eu/d/6KqrnaL
#1 bestseller in Healthy living and Wellness


You can read this thread by Ankur Warikoo on Twitter here.

Friday, October 28, 2022

How to give feedback the right way

How to have difficult conversations the right way.

For the longest time, I struggled with giving direct feedback.

I felt I was being too harsh, I felt they will feel hurt, they might not like me, they will confront me and I will not know how to defend.

A million things used to go on in my head.

Until, I read the book 'Radical Candor'.

In this brilliant book by Kim Scott, Kim explains 4 types of feedback and how only one of them is effective.

To explain that, she uses two determinants.

One, do you care personally about the person you are giving feedback to - whether your friend, your relative, your colleague, whosoever!

Second, are you direct with that person or not? Or do you twist and turn or sugar coat your feedback?

Basis these 2 determinants, Kim showed the four types of feedback.

Let's try and understand them:


Bottom Right Quadrant:
If you challenge the person directly, but you do not care for the person - then that is obnoxious aggression!

This is when you are harsh, you are rude, you are not being helpful.

We all know how that feels, because we have felt it.

The end result of such an approach is instant defensiveness. With little change in the person we gave the feedback to.

Bottom Left Quadrant:
If you do not care about the person but you do not challenge directly either, instead sugar coat and pretend to be all nice and warm - that is manipulative insincerity.

Most toxic relationships lie here.
This results in mistrust and again, no change!

Top Left Quadrant:
If you do care about the person, but do not challenge directly, it is ruinous empathy.

It results in ignorance (people do not even know what to fix, if at all to fix anything) and thus no change.

This is what I was guilty of, for the longest time!

Top Right Quadrant:
It is ONLY when you challenge directly AND you care personally about the person you are giving feedback - that it is Radical Candor.

RC leads to instant change and needless to say, profound in nature!

The book hit me hard.

Because now I had a way of managing my guilt of being harsh towards someone I cared for.

So today, before giving any feedback to any of my known ones, I ask these 3 questions:

Question 1: Am I saying this because I feel anger or frustration?

In hindsight - none of those remarks ever helped.

It just made them more defensive or exercise authority if they could.
Now, I ask a different question:
“What is it that they know that I do not?”
That helps me see their side and approach it from that direction.

Question 2: Do I want the other person to truly win, or would I feel happy watching them lose?

I found myself in situations where I wanted the person to lose, so that I could pin point their mistakes, go one up on them and thus establish authority the next time I said something.

Today, I make sure that I want them to win by whatever I say.

For ex:
"You do not even know why I am angry" - is an unfair statement to make.
It makes it sound like you WANT the other person to forget, and use that as an excuse to remind them of their failure.

Question 3: Will this feedback help them or help me?

Things that I said which, in hindsight helped only me and not them, was not feedback.
It was just my need to express myself.
The chart above helped me a lot.

I am most guilty of ruinous empathy.

It’s my biggest weakness because I still fall in that trap.

Of wanting to help myself (they should feel I am a nice person), than helping them!

I have come to believe that most relationships falter because they never engage in Radical Candor.

I hope this helped you realize where you could be going wrong.

Or, where someone you know could be going wrong and you can now, through Radical Candor, help them see it :)

Candor is a compliment.
It implies equality.
It is how true friends talk.

- Peggy Noonan



You can read this thread on Twitter by Ankoor Warikoo here

10 rules to change your life

These 10 rules will change your life today… (guaranteed):

Don't Neglect Your Health

To be at your best, you need to take care of your mind, body, and soul.

Every day I:
• Do a mindfulness meditation
• Stretch
• Lift
• Eat healthily

The best investment you will ever make is your own health.


Cut Toxic People Fast

Beware of energy vampires. 

They suck the life out of you and hold you back.

Create a Personal Board of Advisors:


Experiences > Things

We're all going to die.

You can't bring things to your grave.

Over the past 6 months, I traveled to:
• The Grand Canyon
• Costa Rica and went surfing
• Sedona and hiked the Red Rocks

Take a "mental vacation" every 6 weeks.

You deserve it.

Focus on The Process

Fall in love with the journey.

We all have our ups and downs. 

The path to success is a marathon. Slow down and enjoy the ride.

The goal isn't just to get there. 

It's to have fun along the way.


Find Your Calling

Find the intersection of your:
• Passion
• Mission
• Vocation
• Profession

You only live once.

Make sure you're doing work that feels like play.

If you're checking the clock, quit.

Here is an Ikigai template for inspiration:



Experiments > Perfection

I used to be obsessed with making things perfect.

I learned it's more important to continuously improve:
• Write
• Ship it
• Learn
• Iterate
• Repeat

"I have not failed. I've just found 10,000 ways that won't work." - Edison

Learn Like Your Life Depends On It

The best entrepreneurs are lifelong learners.

I spend 6 hours a day learning from:
• Books
• Twitter
• Mentors
• Podcasts
• YouTube videos

Follow your passion. Be curious. Have fun.

Live By the 5-Second Rule

Start now. Don't waste any time. 

You are one action away from changing the trajectory of your life.

Hesitation is the kiss of death.

Have a bias for action.

“Your feelings don’t matter. The only thing that matters is what you DO.” - Mel Robbins. 

Do Things That Are Obvious

Eliminate distractions.

You must say no to things that are not in your calling.

Focus is the scarcest resource in life.

It's either a "Hell Yes" or a "No."

Make Something People Want

I've wasted 1,000+ hours working on shit no one wanted.

Seek feedback. Ask for advice. Listen.

You need 3 things to be successful:
1. Unbelievable people
2. Spend as little money as possible
3. Make something customers want

Let's win together 🥇





You can read this thread on Twitter by Matt Gray here






















Thursday, September 29, 2022

13 extremely useful websites

13 free websites that are so useful they feel illegal to know:

1. Removebg

Remove the background from your image and add in any background you like in 5 seconds.
2. 12ft Ladder

Want to read an article, but there’s a paywall?

Simply:

• Insert URL into 12ft ladder
• Click remove wall
• Access content

3. TinyWOW 

Get free versions of tools you usually pay for!

Including:

• Adobe Acrobat Pro (PDF editor)
• Photoshop (image editor)

And more!
4. PDF Drive

81 Million eBooks for you to download for Free.

It is the biggest search engine for PDF files.


5. Temp-mail

You get a temporary email and inbox to help you sign up for websites and avoid all the spam down the line.

6. Quillbot 

Paraphrasing tool that rewrites and enhances any sentence, paragraph, or article using AI.
7. Gamma App

The fast alternative to slides. 

Present like a deck. Share like a doc.

8. Namelix

Need a name for your business?

Namelix will generate a short, brandable business name for you using artificial intelligence.

9. Mixkit

You can download high-quality:

• Stock Video Clips
• Stock Music
• Sound Effects
• Video Templates.

All are available for free.
10. Excel Formula Bot

Stop wasting hours creating Excel formulas.

Transform your text instructions into Excel formulas in seconds with the help of AI.


11. Hemingway App

Improves your writing style and readability by catching 4 basic writing issues: 

• Adverbs
• Passive voice
• Complicated words
• Complex phrases

A must-have tool for all content creators.

12. Scribe How 

Record your screen going through any process.

And Scribe automatically creates a how-to guide, complete with:

• Screenshots
• Instructions
• Clicks

13. WeTransfer

The easiest way to send your files around the world. 

You can share large files and photos. Transfer up to 2GB free.


Tuesday, September 13, 2022

British made famines in India killed 15 million Indians

There were 31 artificial Indian Famines under British Rule that killed almost 15 million Indians, some estimates say upto 29 millions.

While at the same time 3 lakh tonnes of wheat were exported from deccan plateau in India to England?

Here’s a pic of starving Famine victims under British Raj.

In 1899-1900, the monsoon rains failed in central India causing drought to parch crops impacting almost 60 million people.

Photographer William Willoughby Hooper showing a starving man protecting family from other starving cannibals.

Yes, people actually turned into cannibals due to this famines created by British.


Despite the fact that Britain had been looting India for more than a century, The British Viceroy of India, Lord Curzon,was concerned about his budget and feared that aid to the starving Indians would cause them to become dependent on hand-outs.

Drawing of Indian famine victims by Barbant.

The British stood aside and allowed millions of Indian people in the British Raj to starve to death. 

Photograph of a mother helplessly watching her children dγιng in the street during Bengal famine under colonial rule.

What even more cruel was that the “white” tourists started pouring in like vultures seeking thrilles at photographing the misery of Indian people. The invention of highly portable box cameras allowed tourists to record the sights.

A French editorial cartoon lampoons western tourists Well-fed and complacent who came to India to gawk at the skeletal Indian victims of the famine.


Many Indians still hear about these famines through their parents and grandparents.

Most horrible was the famine in AD 1900. It was so horrible people of Gujarat hasn't forgotten about it. They call it "chhapanio dukaal" as it was in vikram savant 1956.

Do read this this whenever anyone tells you that Britain brought civilization and development to India.

Here is an extract from a book that documents how the British took away food grown in India for war and to fill European food coffers for NEXT year as Indians continued to die in the present. Food imports to India were denied by the Royal Crown citing lack of ships.

The British monarchy and specifically, the Queen has never apologized for this mass murder of Indians at the hands of the colonials. This death count of Indians at the hands of the British was more than the people killed in the holocaust.


In the 18th century, India accounted for a quarter of the global GDP. By the middle of the 20th, colonialism ensured that India was one of the poorest nations in the world. 


Over 200 years of exploitation, depredation and loot and destruction reduced India to a poster child for Third World poverty.

When the British left India in 1947
- 90 percent of the population was living below the poverty line
- Literacy rate was below 17 percent
- Life expectancy of the average Indian was 27 years. JUST 27 YEARS...!! Read this again. 

This is how the British treated Indians.

In the name of free trade, the British came in and destroyed the free trade that made India the leading exporter of textiles.

There is simply no comparison between the accomplishments of India rising from the ashes that the British left India in and what was done in the 200 years before.

Saturday, September 10, 2022

Why India can't trust the US to be fair

When it comes to Pakistan, US government assessments aren't worth the paper they're printed on, toilet paper shortages notwithstanding. 

Thread on Twitter by Shaunak Agarkhedkar.

Between 1983 and 1989, the US government sold 40 F-16 aircraft to Pakistan. At first glance, that might not seem like a lot.

In order to get Congress to approve these sales, Reagan's Defence Department assured them that these aircraft could not be used to drop nuclear bombs.

After that initial sale, Congress passed what's known as the Pressler Amendment. This required the US President to certify to Congress that Pakistan didn't possess nuclear weapons. Reagan was delighted to lie to them, and issued annual certifications.

After George Bush became president, an intelligence analyst named Richard Barlow was commissioned by Dick Cheney to write an assessment on Pakistan.

Barlow, who had worked in arms control and was familiar with Pakistan's shenanigans, reached out to the DIA for a technical assessment of Pakistan's nuclear weapons program. He asked them to focus on the F-16 aircraft.

The DIA's and Barlow's conclusions in 1989 were stark: the Pakistanis had modified their F-16s to carry & drop nuclear bombs.

Not only had Pakistan done this, but they had also used components supplied by the US government to do it.

At the time when Barlow's assessment was circulated in Washington, the Defence Department was getting ready to sell 60 more F-16s to Pakistan.

Soon, Barlow found that information he needed for further analysis had gone missing.

Right about this time, German Intelligence arrived at the same conclusion as the DIA about Pakistan's F-16s.

Der Spiegel carried a report on this on 24 July 1989, noting that Pakistan had even tested the modified F-16s in wind tunnels.
Barlow took this information to his boss, Gerald Brubaker. For his efforts, Barlow was attacked by officers within the Pentagon. 

They accused him of sabotaging the F-16 deal and ordered him to stop all investigations.

Eight days later, the public was informed about the new F-16 deal. When questioned in Congress about the possibility of these aircraft being used for delivery of nuclear weapons, US officials lied through their teeth.

Barlow was appalled and offered to brief these officials about how Pakistan had already done what they claimed couldn't happen. Less than a week later, Brubaker fired Barlow from his job.

The sale went through but ran into trouble a year later with the Pressler Amendment when Bush refused to issue a certification to Congress. 

Today, Pakistan has 75 F-16s in its inventory. A significant number of those are much more modern than those of 1980s vintage.

Not only did F-16s alter the balance of power in the region, but the Pakistanis also have modified those very aircraft to deliver nuclear weapons with support from elements within the US government. 

Richard Barlow paid dearly for speaking the truth about Pakistan. 

His career was wrecked by his own superiors. 

Barlow managed to get by with contractual work for years but was also unemployed for more than a decade.

Monday, September 5, 2022

how to read a balance sheet

If you pick stocks, you MUST learn how to read a balance sheet.Here’s everything you need to know:

The balance sheet is one of the 3 major financial statements. 

It shows: 

▪️Assets: What a company owns
▪️Liabilities: What a company owes
▪️Shareholders Equity: The net worth attributable to its owners (shareholders)

At a fixed point in time
That “at a fixed point in time” part is key!

A balance sheet is a SNAPSHOT of a company’s net worth at a POINT in time, usually measured at the end of a quarter/year.

That differs from an income statement or cash flow statement, both of which are measured over a PERIOD of time.

Most public companies show their balance sheet in their quarterly earnings press release, but not always

Find them by looking at:
▪️10-Q (quarterly report) 
▪️10-K (annual report)
▪️Aggregator websites like @theTIKR

All balance sheets follow the same formula:

Assets = Liabilities + Shareholders Equity

This formula must be in balance at all times

(Hence the term “balance sheet”).

Companies get leeway in how they categorize each item on their balance sheet

This graphic shows some of the most commonly used categories & terms


Let’s start with assets, which is what a company OWNS

Assets are listed in order of LIQUIDITY, which means how quickly a security can be turned into cash

The most liquid assets are at the top, the least liquid on the bottom.

There are two categories of assets:

Current assets:
▪️Assets that are expected to be used in <1 year

Long-term assets:
▪️Assets that a company will benefit from for >1 year


Common current assets:

▪️Cash: Checking account, t-bills, CDs w/ <3 maturity
▪️Marketable Securities: Stocks, bonds...etc that can easily become cash
▪️Accounts Receivable: Money it is owed by its customers
▪️Inventory: Unsold goods
▪️Prepaid expenses: Insurance, rent, etc…

Long-term assets come in 2 forms:

1: Tangible Assets (You can touch them)
▪️Buildings
▪️Equipment
▪️Property
▪️Stores

2: Intangible Assets (You can't touch them)
▪️Trademarks
▪️Goodwill (premiums paid to make an acquisition)
▪️Patents
▪️Stocks/Bonds held >1 Year

Now for Liabilities, which are what a company OWES

There are 2 categories of liabilities:

1: Current liabilities:
▪️Bills that will be paid in <1 year

2: Long-term liabilities:
▪️Bills that are due in 1+ years

Common current liabilities (due <1 year):
▪️Short-term debt
▪️Accounts payable (money owed to suppliers)
▪️Interest
▪️Unpaid Wages
▪️Dividends
▪️Taxes

Common long-term liabilities (due 1+ years):
▪️Long-term debt (also called "Notes")
▪️Customer pre-payment
▪️Taxes
▪️Pension

Finally, there is "Shareholders Equity

This is money attributable to the business owners (shareholders)

It's kind of like a company's "net worth"

Common categories:

▪️Common Stock: Money invested in the company
▪️Additional Paid-In Capital: Amount shareholders have invested beyond common/preferred stock
▪️Retained Earnings: Net profits a company reinvests in the business
▪️Treasury Stock: Money used to buy back stock

Here's an example of a real balance sheet

This is taken from $HD's balance sheet as of July 31st, 2022


Notice that $HD's Shareholder Equity is really low?

Don't worry -- that's just because of the company's massive stock buyback program ($84.5 billion spent so far)

Treasure stock is listed as a negative number in shareholder's equity.