Maverick

[Priyank Ahuja @ahuja_priyank]

Deleting WhatsApp chats, storage still full.

Not a bug.
WhatsApp intentionally saves all photos/videos in 4 hidden folders.
I thought it was clean, turns out still stuck with 14.7GB.

Here's how to clean it:

[MindAI Index @MindMechanicsX]

14 HARVARD TECHNIQUES to be better than 90% of people

1. The 5-second rule

[Mayank Agarwal 💡 @TheAIWorld22]

🚨 BREAKING: I asked Claude to improve my LinkedIn profile.

It didn’t just improve it. It made it a recruiter magnet.

Here are the 7 exact prompts I used:

[Yiğit Akın Kaya @yigitakinkaya]

Arkadaş telefonun şarjı sabah doluyken öğleden sonra %10'a düşüyor dedi. Kafayı yemiş ama bir şekil çözmeye çalıştı.

Bana getirdi, parlaklığı düşürdüm. Konum kapattım. Hâlâ aynı.

Meğer Android, arka planda sana sormadan onlarca şeyi sürekli çalıştırıyor. Sen farkında değilken pili bitirenler bunlar.

Tek bir ayar değiştirmedim, fabrika sıfırı da yapmadım. Ama telefon artık gün sonunda en düşük %40'ta.

Adım adım anlatıyorum:

[Ministry of Petroleum and Natural Gas #MoPNG @PetroleumMin]

All domestic #LPG consumers are required to complete Biometric Aadhaar Authentication (e-KYC).
Now verify from the comfort of your home using your Oil Marketing Company’s mobile app and Aadhaar FaceRD app. For more information,
Visit: https://t.co/LMhYjjr78e
Contact your LPG distributor
or call (Toll-Free) Number 1800 2333 555

#LPG #KYCforLPG #MoPNG

[Creditkeeda @creditkeeda]

Over ₹60,000 Taj Bekal stay for just ₹2,162 including meals. Points, perks & Taj benefits at work 🤩

• Got Taj Epicure via ICICI EPM → includes 1 complimentary night (base room booked)

• Booked 2nd night at Taj Member Rate over call, informed the hotel it would be settled using Amex Taj vouchers

• Booked Deluxe Room with Plunge Pool for night 2 → hotel auto-upgraded night 1 to the same room 😍

• Redeemed Epicure complimentary set-meal voucher for two

• All meals + in-room dining billed to the room

• Final bill (room + taxes + dining) settled using 3 Amex Taj vouchers worth ₹10K each

Final out-of-pocket: ₹2,162 (paid via Atlas)

Plunge pool, backwaters, beach sunsets, and great memories 🤩

#ccgeeks #ck

[The Forge 🍿 @TheForgexx]

Old Names of Every Country:

🇹🇭 Thailand — Siam
🇮🇷 Iran — Persia
🇯🇵 Japan — Nippon
🇹🇼 Taiwan - Formosa
🇲🇲 Myanmar — Burma
🇯🇴 Jordan — Transjordan
🇹🇷 Türkiye — Ottoman Empire
🇱🇰 Sri Lanka — Ceylon
🇫🇷 France — Gaul
🇦🇪 UAE - Trucial States
🇮🇩 Indonesia — Dutch East Indies
🇰🇭 Cambodia — Kampuchea
🇻🇳 Vietnam — Annam
🇵🇰 Pakistan — Part of British India
🇧🇩 Bangladesh — East Pakistan
🇲🇳 Mongolia — Outer Mongolia
🇹🇯 Tajikistan — Tajik Soviet Socialist Republic
🇪🇹 Ethiopia — Abyssinia
🇬🇭 Ghana — Gold Coast
🇨🇩 DR Congo — Zaire
🇿🇼 Zimbabwe — Rhodesia
🇧🇯 Benin — Dahomey
🇧🇫 Burkina Faso — Upper Volta
🇧🇼 Botswana — Bechuanaland
🇳🇦 Namibia — South-West Africa
🇲🇼 Malawi — Nyasaland
🇹🇿 Tanzania — Tanganyika
🇿🇲 Zambia — Northern Rhodesia
🇰🇪 Kenya — British East Africa
🇺🇬 Uganda — Uganda Protectorate
🇸🇴 Somalia — Italian Somaliland
🇱🇾 Libya — Tripolitania & Cyrenaica
🇳🇱 Netherlands — Holland (historical metonym)
🇨🇿 Czechia — Bohemia (historical core region)
🇷🇺 Russia — Soviet Union (USSR)
🇮🇪 Ireland — Irish Free State
🇲🇰 North Macedonia — Macedonia
🇵🇱 Poland — Polish People's Republic
🇭🇺 Hungary — Kingdom of Hungary
🇦🇹 Austria — Austro-Hungarian Empire
🇧🇿 Belize — British Honduras
🇬🇾 Guyana — British Guiana
🇸🇷 Suriname — Dutch Guiana
🇭🇹 Haiti — Saint-Domingue
🇨🇺 Cuba — Spanish Cuba

Source/Credit: Verified from historical sources (Nations Online Project former names, Wikipedia historical country names, GOV. UK colonial timelines, ThoughtCo/History.com decolonization lists, and Britannica entries).

[Market Rebellion @RebellioMarket]

Rule of Thumb for Investing in Fundamentally Strong Stocks

If price drops 10% → Just hold

If price drops 20% → Add 10% more

If price drops 30% → Add 30% more

If price drops 40% → Recheck fundamentals, add only if thesis is intact

If price drops 50% → Stop averaging unless fundamentals improve

If price goes up 10% → Just hold

If price goes up 20% → Still hold

If price goes up 30% → Sell 10%

If price goes up 40% → Sell 20%

If price goes up 50% → Sell 30%

If price goes up 60% → Sell 40%

If price goes up 80% → Book partial profits, trail stop-loss

If price goes up 100% → Sell all or recover capital + let profits run

[Gurmeet Chadha @connectgurmeet]

Don’t live poor and die rich…keep a balance..

In punjabi , sadde buzurg kehende han-

“ jaddo kharchan di icha khatam hai
Taan Kamaan di icha vee khatam hai”

If u loose the desire to spend , u loose the desire to earn..

[Aditya Garg 🇮🇳 @Garg_Aditya_]

Most investors still think ETFs = 𝐍𝐢𝐟𝐭𝐲 𝟓𝟎, 𝐦𝐚𝐲𝐛𝐞 𝐚 𝐁𝐚𝐧𝐤 𝐄𝐓𝐅… bas that’s it.

𝐑𝐞𝐚𝐥𝐢𝐭𝐲: the 𝐄𝐓𝐅 𝐦𝐞𝐧𝐮 𝐢𝐬 𝐧𝐨𝐰 𝐰𝐢𝐝𝐞 𝐞𝐧𝐨𝐮𝐠𝐡 𝐭𝐨 𝐛𝐮𝐢𝐥𝐝 𝐚𝐧 𝐞𝐧𝐭𝐢𝐫𝐞 𝐩𝐨𝐫𝐭𝐟𝐨𝐥𝐢𝐨 – 𝐞𝐪𝐮𝐢𝐭𝐲, 𝐝𝐞𝐛𝐭, 𝐠𝐨𝐥𝐝, 𝐞𝐯𝐞𝐧 𝐠𝐥𝐨𝐛𝐚𝐥 – without touching a single active fund.

That’s why we built this: “ETFs in India: Complete Category & Investor Matrix” – a one‑page map of the entire ETF universe in India.

How to read it 👇

Start with the Master ETF Universe Map at the top → see all 5 buckets: Equity, Debt/Target‑Maturity, Gold, International, and Strategy.

Then jump into the coloured “Deep Dive” blocks and ask for each section:
•Equity: Core broad‑market vs mid/small/sector/factor… which ones do you actually need?
•Debt: Are you using target‑maturity / Bharat Bond ETFs for goals, or just parking in random debt?
•Gold: Is your hedge in place or is it still “I’ll buy later”?
•International: Do you have any structured US/global exposure, or just home bias?
•Strategy: Are you accidentally trading tools (Nifty/Bank Nifty, leveraged ideas) with long‑term money?

If your current ETF usage is:

“Nifty 50 ETF + maybe a Gold ETF”
…this matrix will show you how much more thoughtfully you can design the whole framework.

Bookmark this, share it with the friend who keeps asking “Which ETF is best?”, and tell me in the replies 👇

Right now, what % of your portfolio is in ETFs vs mutual funds?

#MutualFunds #SIP

[CA Paaras Gangwal @ThetaVegaCap]

#Gold
#Taxation

✅SGB (held till maturity) → 0% LTCG

✅Gold ETF → LTCG 12.5% after 12 months

✅Gold MF / FoF → LTCG 12.5% after 24 months

✅Physical / Digital Gold → 3% GST + LTCG 12.5% after 24 months

✅Gold F&O → Taxed as business income

#Gold #Investing

[Akshat Shrivastava @Akshat_World]

According to Banner Chart, 2026 is a good time to sell stocks. This is when asset prices are likely to peak.

For folks, who don't know what Banner Chart is: this is a 100 year old prediction about stock markets. It predicts the "crisis" years like 1981, 1999, 2019 etc.

Like all predictions, there are flaws in this prediction. But, the hit rate on this chart has been quite phenomenal.

Okay, back to 2026. Why selling equities makes sense in 2026? And, what does this exactly mean?

1) To an amateur, selling equities means: that 100 units of money in equity. Sell 100 units. Get out. Wait for crash.

This is quite dumb. Because market can first rally by another 50%. And, then fall by 30%.

2) A more practical version of selling equity means: ability to buy when drawdown happens.

For this you can have sensible cash positions, hedges like put options etc. And, learn portfolio construction.

3) Now, part 2 of the question: why asset prices are close to peaking in 2026?

This is quite simple: asset prices are a function of low interest rates (IR). Why? because when people can borrow cheap. They will buy and invest more.

Most of the world is now leveraged. And, leverage is driven by Interest Rates. As a lot of refinancing of debt happens when IR goes low.

Now, this is economics. How do we relate this to the stock market?

4) Stock Markets are forward looking. Stock Prices (i.e equity prices) are driven by "expectation" of low interest rates.

5) 2025 we got clarity on IR. Most major economies (except Japan) started cutting Interest Rates.

There has been public pressure by Trump on US's FED chair Jerome Powell to cut IR. Powell is likely to be replaced by a someone who is willing to cut IR in 2026.

6) So the expectation of low IR is likely to be fully baked into the markets in 2026.

7) The negative force against low IR is high inflation. But, inflation is NOT high (at least on paper). Hence, the above macro theory adds up. In simple words: the government can afford to cut IR to accelerate growth.

Market understands this. And, will be repricing assets as we get more certainty on the above thesis.

How do you make money in all this? If you know portfolio construction. And, can add/reduce risk on your portfolio through hedging, cash position management, bulk buying selected stocks, selling overvalued segments.

But, unfortunately: most people cannot take the pain to learn all this. So they will just go and buy 5 Funds. And, think diversification is achieved. They are simply participating in fueling the Index Bubble.

Last 1.5 years have generated poor returns for such investors. And, this trend is likely to continue for them.

Guess what? when a strategy becomes too common (eg. SIPing for financing freedom), no one can really get rich from it. This is a time tested fact.

[Physics In History @PhysInHistory]

If they know my work, they don’t need my C.V. If they need my C.V., they don’t know my work.

-- G. Perelman's

[Top 1% Men @dtop1percentmen]

This is the best piece of advice 🔥

[Shubhvani @shubhvanii]

Nobody in corporate will tell you this... but it decides your future

1. Visibility beats hard work.
If no one knows what you're doing, it doesn't count.

2. Your manager's opinion > HR policies.
People promote who they trust, not just who performs.

3. Networking inside > skills outside.
Opportunities come from people, not platforms.

4. Pick projects that make you visible, not just busy.
Workload doesn't equal growth

5. Your personal brand is built in your first 2 years,
Protect it early - it defines your path.

6. Learning stops when curiosity does.
Ask questions. Stay curious. Keep improving.

7. Quiet quitting feels safe but kills growth silently.
Comfort zones are career traps.

[Maverick @BookOfMaverick]

@think_in_points Is iShop there on mobile app which u used to buy vouchers in store @ccg33k

[Akash @ccg33k]

HPCL vouchers on iShop for 18% points on FUEL !!

BUT, here is a catch :

It doesn't work as HP Pay where you can add it to a wallet and redeem on demand.

This one has different tnc / process:

1️⃣ Inform the Forecourt Manager (FSM): Let the FSM or station supervisor know that you’d like to pay using a REFUEL E-Voucher. They’re the ones authorized to operate the terminal.

2️⃣ Voucher Entry: The FSM will input your REFUEL E-Voucher details into the DTP (Drive Track Plus) terminal to process the payment. A transaction receipt will be printed once it’s done.

3️⃣ Collect Fuel: After the receipt is generated, the fuel will be dispensed for the exact value of your E-Voucher. The amount will also be clearly mentioned on the printed receipt.

⏳ Validity: 150 days (~6 months) from issue date. No extensions.

🧾 Redemption Rules:
• Must be used in full - no partial redemption.
• Up to 10 vouchers/day can be used per fuel station.
• You can club multiple vouchers in one bill.
• Recommended to visit non-peak hours (avoid 7–10 AM & 7–9 PM) if redeeming >2 vouchers. 🤪
• If your bill > voucher value → pay balance by cash/card.

📍 Where usable:
Accepted only at select HPCL fuel stations but Locator Link not working⚠️

⚠️ Try with smaller denomination at your nearest pump before going big.

#CCGeek #CCGeeks

[Kanishk @kanishkrazdan]

we just launched something that should've existed years ago

a transfer calculator that shows you EVERY way to move points between programs (including hop based transfers x → y → z)

no login required. completely free.

thread 🧵

[Maverick @BookOfMaverick]

@ccg33k Are the gold coins delivered online genuine? Have u tried selling it some other shop where they will melt and check for purity and weight?

[Neil Borate @ActusDei]

Which ratios to look at while picking a mutual fund?
1) Sharp/Sortino/Treynor for risk adjusted return
2) Alpha/Information Ratio for fund manager skill
3) Expense Ratio/Turnover for portfolio efficiency
Story by Dnyanesh Mugurdekar https://t.co/l80D8Eatoy