Habib

Water technology bd limited,

[Habib @Habib35C]

Math is important https://t.co/WpfTBJpU42

[Ryomen @Ryomenex]

A person earning $200,000 a year saves less money than someone making $50,000. The first keeps 5% and banks $10,000.

The second keeps 50% and banks $25,000. Four times the salary. Half the wealth built.

A psychology professor explains why with a freshman who studied 30 hours a week and failed every class. GPA: 0.0. She sat at her desk six hours a night. Her brain shut off after thirty minutes.

Everything after that was a body in a chair pretending to work.

A University of Michigan study measured it. Twenty-five to thirty minutes. That is how long the average student actually absorbs material before efficiency hits zero. The rest is wasted time wearing the costume of effort.

The fix took one sentence. Study thirty minutes. Break five minutes. Repeat.

Students who did this scored one full grade point higher the next term. Same hours. Same material. Different structure.

Your paycheck works the same way. At a 5% savings rate you need 66 years to stop working. At 50% you need 17. Salary does not appear in the table. The hours at the desk were never the variable. The conversion rate was.

The freshman sat there six hours and converted thirty minutes. Most people earn for forty years and convert nothing. Same mistake. Same ratio. Same result.

The lecture is free. The formula is free. The 49 years between 5% and 50% are the part that costs something.

[Habib @Habib35C]

Buffet 1998 https://t.co/kmBQM6NeMQ

[NoLimit @NoLimitGains]

In 1998, Warren Buffett gave a free hour-long talk on how to NEVER lose money in the market.

Watch it today, no matter what.

[Habib @Habib35C]

Inflation defined by musk https://t.co/yr5334qGZS

[EndGame Macro @onechancefreedm]

Elon Musk’s Great Depression Warning Is Starting To Look Uncomfortably Relevant

In April 2023, during one of the fastest U.S. tightening cycles in decades, @elonmusk warned Tucker Carlson that the last time the Fed raised rates going into a recession, the Great Depression followed.

The cycle ultimately carried the federal funds target from 0% to 0.25% all the way to 5.25% to 5.50%. His warning concerned policy lag, tightening against backward looking inflation after the forward economy had already begun to fracture. The Fed’s own history shows its tightening from 1928 through 1929 slowed U.S. activity and transmitted recession abroad.

The Fractures Since 2023

The labor data have repeatedly been weaker than first reported. The final March 2025 benchmark erased 898,000 payroll jobs. The preliminary March 2026 benchmark points to a 79,000 reduction overall and 178,000 in the private sector. July payrolls fell 23,000, while May and June were revised down 103,000 combined. Treating the 4.1% unemployment as the whole picture is deceptive. Since January, participation has fallen 0.7 percentage point, the employment population ratio has fallen 0.5 point, 5.9 million people outside the labor force still wanted work, and U 6 stood at 7.9%.

JOLTS shows the sequence clearly. June openings were revised down 177,000, July hires fell to 5.054 million and quits to 3.056 million. Employers are retaining workers but losing the appetite to add them. Hiring capacity is disappearing before layoffs broadly accelerate.

Credit Stress Is Spreading

In the first half of 2026, commercial Chapter 11 filings rose 28%, total commercial filings 13%, and small business Subchapter V filings 50%. Serious delinquency balances are roughly 12.9% for credit cards, 5.5% for auto loans and 10.6% for student loans. Meanwhile, $875 billion of commercial mortgages mature in 2026, overall CMBS delinquency reached 7.86% in July, and office CMBS delinquency hit a record 12.34% earlier this year.

The Policy Trap

The Iran and Hormuz energy shock is holding headline PCE inflation at 3.7% while real consumer spending was essentially flat and the saving rate only 3.0%. Fed officials are again discussing hikes even as hiring, consumption and credit weaken. Add broad tariffs and retaliation, and the resemblance to the policy environment preceding the Great Depression becomes uncomfortable. Monetary restraint, protectionism, leverage and weakening demand are once again appearing together. After Smoot Hawley, world trade fell about 66% between 1929 and 1934.

My greatest concern is that energy driven inflation keeps policy restrictive until an economy with weak hiring becomes an economy with rapidly rising layoffs. Hiring freezes become defaults, defaults tighten credit, and tighter credit forces layoffs into a market unable to absorb displaced workers. If the Fed hikes into that transition, it risks turning rolling household, small business and property stress into synchronized deleveraging. Nearly every pressure point is flashing while the normal monetary escape valve remains blocked.

[Habib @Habib35C]

https://t.co/LrdFyB9NS5

[Larry Dean @larry_mcwethy]

How Elon Musk is Building the World's Most Impossible Chip Factory

[Habib @Habib35C]

Lower back https://t.co/qn0DOYDvAe

[Mobility Exercises | Pain Relief Workouts @FeelGoodMovez]

My top mobility moves

[Habib @Habib35C]

Find excuses for its corruption - sick society

[Habib @Habib35C]

Good work out lower abs https://t.co/MYkYKjQJpG

[Robust Feed @RobustFeed]

The floor stops your pelvis from tilting, so the hip has to move on its Own.

[Habib @Habib35C]

Workout any time of day https://t.co/zMwhvWE19b

[Thought_Scope 🧠 @Thought_Scope]

Morning workout for students

[Habib @Habib35C]

Share market long terms investment benefit https://t.co/cLaP08Xaq9

[Trixi @TrixiHQ]

In 1988, Berkshire traded at $3,900 a share. Today, one share costs more than a house in most American cities, $759,350 as of Friday.

The man interviewing Buffett in this footage is George Goodman, writing under the pen name Adam Smith. He catches Buffett at 57, worth $2.1 billion, just 8 months after the October 19 crash, and gets him to explain the entire logic of value investing in two sentences: a bond prints its coupon right on the paper, a business doesn't, so you have to figure out the number yourself.

Then come the receipts that back it up. The Washington Post Company, on sale for $80 million while its own properties were worth $400 million. Buffett put in $9.7 million in 1973, and by 1988 that stake was worth $370 million. GEICO: 42% of the company for $46 million, eventually worth $849 million. See's Candies cost $25 million and pulled in $30 million pretax in a single year.

Here's the part nobody quotes. In 1982, Buffett wrote to Congressman John Dingell, warning that stock index futures would be "overwhelmingly detrimental to the security-buying public." Asked what a small investor should actually do about them, his answer was blunt: hope they make everyone else behave very silly, then step in occasionally and take advantage of it.

That was 44 years before 0DTE options, perpetual futures, and prediction markets turned the entire market into exactly what he warned about.

He also refuses to hand his kids money. An inherited fortune, in his words, is a lifetime supply of food stamps with a trust officer playing caseworker. 99% goes back to society instead.

He bought Nebraska Furniture Mart from a 94-year-old woman on a handshake, no audit, no lawyers in the room.

This tape sat lost for 35 years. Watch it now, and nothing in it needed updating.

[Habib @Habib35C]

Explore hard problems https://t.co/mnumcxQDTl

[My Financial Endurance @Endure2Thrive]

Hard choices. Easy life.
Easy choices. Hard life.

That applies to almost everything:

💰 Investing instead of spending everything
🏃 Training when you’d rather stay comfortable
📚 Learning when entertainment is easier
🎯 Staying disciplined when nobody is watching

The choices that feel difficult today are often the ones that create freedom tomorrow.

Financial endurance works the same way.

Sacrifice a little now.
Build consistently.
Give your future self options.

[Habib @Habib35C]

Make sense for man

[Moral Philosophy @ML_Philosophy]

A boy becomes a man when he chooses dangerous freedom over comfortable slavery.

[Habib @Habib35C]

Ray economics works https://t.co/7qCHPLnx3O

[Dhruv kumar @Dhruvkumar16797]

A billionaire literally explained how the entire economy works in 42 minutes better than most $200,000 MBA programs ever cloud.

[Habib @Habib35C]

AI tutorials https://t.co/quFkttY0J8

[Dhruv kumar @Dhruvkumar16797]

INSTEAD OF WATCHING NETFLIX TONIGHT. Spend 2 hours with this. Claude AI FULL COURSE that teaches you how to BUILD and AUTOMATE anything. The people who watch this tonight will wake up tomorrow with a new skill. Watch it and bookmark it now.

[Habib @Habib35C]

Morning exercise https://t.co/tW15XbPRsG

[The Health Videos @TheHealthVid]

All men should try these 10 minute morning exercises and see the results in 30 days. 💪🔥

[Habib @Habib35C]

Principals matters more than money https://t.co/hU4b37DAzD

[Dima Zeniuk @DimaZeniuk]

“Principles matter more than money.”

— Elon Musk

[Habib @Habib35C]

Young warren thinking https://t.co/uuSTy6whMY

[Trixi @TrixiHQ]

In 1988, a mostly unknown investor bet $1.3 billion on a brand everyone else had already written off. Today it pays him $816 million a year just for showing up.

"We may have seen the last of it, or not."

Warren Buffett said that in 1962, at 31, sitting in front of a local TV camera nobody outside Omaha would recognize. He refused to predict the market. His whole argument came down to one idea: prices that rise for no reason can fall for no reason, the only thing that actually matters is what a business earns.

That footage never aired. It sat buried in a Nebraska archive for 51 years until a university team stumbled on it in 2013, the earliest known video of him.

26 years after that tape was filmed, he put the theory to the test for real.

Right after the 1987 crash and the New Coke disaster, when everyone else saw a damaged brand, Buffett bought 400 million shares of Coca-Cola, about 9% of the company.

Then he did absolutely nothing for 38 years. No trimming. No panic selling. No reacting to a single headline, ever.

Coca-Cola has now raised its dividend for 63 straight years in a row, and every single raise landed on those same untouched shares. The payout works out to roughly 62% a year on what he originally paid, meaning the entire investment pays for itself from dividends alone every 19 months.

The guy on that grainy 1962 tape had no track record, no reputation, and no way to predict anything. He'd just already decided he wasn't going to try.

[Habib @Habib35C]

Share market https://t.co/WhdfqliXwE

[199621147 @lyemcfly]

Dude I’ve been looking for his videos for at least 3 years I had forgotten his name and I needed a clip I saw so bad lol

[Habib @Habib35C]

https://t.co/sYYd9IYJha

[Habib @Habib35C]

Lee sprits of wellbeing people https://t.co/chnWC2zE3e

[Lee Kuan Yew Geopolitics! @LKYMM23]

Lee Kuan Yew:

I have been in office for now 29 years, I have won 7 general elections since my first in 1959. I think that qualifies me at least to be able to say that I do know Singapore better than the questioner!