Carter Limkl

[Thierry from arvy 🇨🇭 @ThierryBorgeat]

10 financial rules that change how you think about money:

1. RULE OF 72
Divide 72 by your return rate = years to double your money.
At 8%: 9 years. At 12%: 6 years.

2. THE 4% RULE
Withdraw 4% of your portfolio per year in retirement.
It historically lasts 30+ years.

3. THE 50/30/20 RULE
50% needs. 30% wants. 20% savings.
The simplest budget ever built.

4. THE 100 MINUS AGE RULE
Subtract your age from 100 = your stock allocation.
Age 30: 70% stocks. Age 60: 40% stocks.

5. THE 10X RULE
Your retirement pot should be 10x your annual salary.
At 60. Not 70.

6. THE 3X EMERGENCY RULE
3–6 months of expenses in cash.
Always. Non-negotiable.

7. THE 1% HOUSING RULE
Budget 1% of your home’s value per year for maintenance.
$500k home = $5,000/year reserved.

8. THE 28% MORTGAGE RULE
Never spend more than 28% of gross income on housing.
The bank will let you borrow more.
Don’t.

9. THE RULE OF 1000
To generate $1,000/month in passive income at 4% yield
you need $300,000 invested.

10. PAY YOURSELF FIRST
Save before you spend.
Not what’s left over.
First. Always first.

Save this. Share it with someone who needs it.

[Kiierr @kiierrhairgrow]

95% of men suffer from hair loss.

So they waste thousands on finasteride, minoxidil, or expensive transplants in Turkey.

But most “solutions” come with brutal side effects.

Here’s what dermatologists won’t tell you—and the natural fixes that actually work: 🧵

[Ray Dalio @RayDalio]

https://t.co/3axXP2mPHg

[Max Marchione @maxmarchione]

Just read Masa Son’s biography … wow!

At 16, he left Japan with nothing.

By 32, he was the richest man in the world.

Then he lost everything – only to rebuild an empire even bigger than before.

Some of my favorite parts:

[Alex & Books 📚 @AlexAndBooks_]

Charlie Munger famously said, "Avoid stupidity, it's easier than seeking brilliance."

And that's what investor @Ritholtz's new book is all about–avoiding bad ideas, numbers, and behaviors.

Here are 10 key lessons from "How NOT To Invest":

[Alex & Books 📚 @AlexAndBooks_]

1) 10 Steps to becoming a better investor

[Leopold Stock Tracker @LeopoldTracker_]

🚨 BREAKING:

Berkshire Hathaway just dropped their legendary annual letter announcing they are sitting on a $334.2B cash pile

They also paid a massive $26.8B in taxes - 5% of all U.S. corporate taxes

🧵 Here's the full breakdown page by page:

[Carter Limkl @CarterLimkl]

@StockMKTNewz Looks like trend investing .

[Finding Compounders @F_Compounders]

Li Lu explains a concept from Charlie Munger that a few investor truly understand .

Must read

[Gabe Pluguez @Gabepluguez]

Everyone wants to take care of their body…

But no one takes care of their brain.

Most people just ignore it until something goes wrong.

So, here’s everything you need to know to heal & protect your brain:

[Michael Steele @MichaelSteele]

This from @realDonaldTrump. His name calling is trite, immature and quite frankly, boring. His pedestrian understanding of matters of state lacks curiosity and is dangerous. His narcissism and craving for “loyalty”demonstrate deep-rooted weaknesses in character hiding behind bravado and faux-masculinity. There is absolutely nothing about this man that qualifies him to have been president let alone to be president again. He is unserious and unfit to serve as Commander in Chief.

[Kevin Carpenter @kejca]

Mohnish Pabrai on why Warren Buffett and Charlie Munger invested in Occidental Petroleum.

Slightly out-of-date since Oxy paused share repurchases until its debt gets back under $15 billion after acquiring CrownRock, but an interesting peek at Buffett and Munger's thinking.

[Finding Compounders @F_Compounders]

David Einhorn’s Speech at the Value Investing Congress in 2006.

He goes into and explains how to look at ROE( Return on Equity)

[Fiscal.ai @Fiscal_ai]

Here are 8 hyper-growth companies with significant insider ownership:

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[Seek Wiser @SeekWiser_]

Health cheat codes I know at 39 that I wish I knew at 24...

[Oana Labes @IAmOanaLabes]

ROIC vs. ROCE

Don't let them confuse you.

Learn what they are, how to calculate them

And most importantly, learn precisely how to use them.

[Dalius - Special Sits @InvestSpecial]

Just finished sifting through the Q1 2024 fund letters.

Here are the best 10 ideas that piqued my interest 👇

[Koyfin @KoyfinCharts]

In 2019, Li Lu of Himalaya Capital gave a presentation to a group of students titled 'The Practice of Value Investing'.

It's packed with nuggets of insight and is well worth a read.

🧵 Our 7 favourite highlights from the paper:

[Quartr @Quartr_App]

You don't have to chase the "next big thing" to achieve great returns.

Let's look at 10 hidden industrial compounders with impressive track records 👇

1. $NIBE is a leading heating solutions manufacturer and probably one of the most impressive companies you've never heard of:

[Tulsi Soni @shedntcare_]

The best websites to read and/or download free books.

Save them or you will regret it.