Adama Shiva Kumar 🎯

📚 "The Intelligent Investor," by Benjamin Graham, is a timeless investment classic for successful long-term investing 📚 📖 Here are some key principles from the book: 🧵 [Thread] 👇

🧘 Yoga : Beyond Flexibility & Poses When most people think of yoga, they imagine difficult postures or extreme flexibility. But the true essence of yoga goes far deeper,it’s about alignment, awareness, and balance. 🧘‍♂️ Yoga is a practice of: 🔸Mind – calming restlessness, reducing stress, and improving focus. 🔸Body – enhancing strength, mobility, and resilience. 🔸Breath – learning to regulate energy and emotions. What makes yoga unique is its holistic nature. It’s not just a workout, it’s a work-in. Regular practice has been shown to: - Improve sleep quality - Lower blood pressure & stress hormones - Enhance posture & reduce chronic pain - Build emotional resilience In a world that moves fast and demands more each day, yoga offers a pause,a chance to reset, recharge, and reconnect with yourself. Whether you’re a professional, entrepreneur, or student, a few minutes of yoga daily can transform how you show up in work and life. 👉Yoga is not about touching your toes, it’s about what you learn on the way down.

@Masterji_UPWale 🫡🫡

I was trained to fight Wars. She was never trained for the kind of battles, she fought every day. When I left for NDA, I was 18. A BOY full of pride, Carrying a steel trunk and dreams. When I got Commissioned, I was 22 : A MAN in uniform. But the day I Married her, I realised the true meaning of courage... Not in Bullets, but in Patience. The first time I got posted to the border, She didn’t cry. She just smiled and said, “Bas phone karte rehna.” And when the phone didn’t connect for days, She still smiled when her parents asked, “Kaisa hai beta?” She’s been smiling through uncertainty ever since. She celebrates #Diwali by herself. Lights diyas in every corner of our small SF quarter... Says it makes her feel I’m home. One year, the electricity went out. She told me later how she sat in darkness, lighting candles one by one, whispering to my Mom : “He must be lighting diyas on the border too.” That night, I was under a tarpaulin tent, eating cold poori and pickle from a dented mess tin. #Karwachauths come and go. She dresses up, puts on sindoor, opens the video call, and smiles through a weak network.. “Main dekh liya, tum khana khao.” The call drops before I can even reply. She handles everything. From paying bills online to fixing the water motor. When the car broke down, she learned to push-start it. When I couldn’t come home for medical emergencies, she sat in the hospital alone, praying to every god she knew. Through it all, she never complains. Not once. She once had a promising career a steady job, her own desk, colleagues, and a sense of independence she had built with quiet pride. But when I got my first peace posting, She made a choice most won’t understand. She left it all behind.. Not because she had to, but because she wanted to be with us. She said, “What’s the point of building a career if it keeps us apart?” Since then, every posting, every move, every new city has been her project .. Rebuilding a home from scratch, Without complaint, Without applause. She keeps my medals polished but tells me softly.. “Don’t bring more medals, if they cost us more years Apart.” I’ve realised that the bravest salute isn’t given on the parade ground.. it’s given silently... ..by a woman waving from a railway platform. They don’t wear stars on their shoulders, but they carry the weight of our absence, With grace. So if you ever meet a soldier, Salute twice .. once for him, and once for his Wife that keeps him strong. Because I may have fought for the Nation, but she fought for my life. And she won every single time. ❤️ To every military wife, YOU are the unseen medal We proudly wear. 🫡 #KarwaChauth2025 ❤️ #Love

Read it slowly

One good change from RBI yesterday: banks can now lend up to ₹1 crore against shares, up from the earlier ₹20 lakhs. Hopefully, this makes loan against securities (LAS) more popular. It's ridiculous how many people holding stocks continue taking personal loans or using credit cards at much higher rates—credit cards can go up to 40%+. Even at @zerodhacapital, we see this constantly. People just aren't aware they can replace high-interest debt with LAS, which is one reason our book is still only ₹450 crores. LAS is ideal for those new to credit or with poor credit scores to build their credit history, but again, awareness is terrible.

The best stock to buy may be the one you already own - Peter Lynch #investing

Calm mind. Good health. Family time. Enough money to live a decent life. Memories to cherish. Have these? You’re already wealthy! #wealth #money

The richest people I know: Don’t shout expensive brands from the rooftops, They quietly wear simple clothes. They don’t roar down the street in Ferraris, They roll up in a Toyota Innova, but on time. They don’t live in marble mansions with infinity pools, They live in apartments where the wifi works. They don’t post themselves sipping champagne, They live a quiet life below the radar. Wealth whispers. Insecurity shouts. Real money is in stocks, startups and silent compounding, Not in reels, Chanel bags and Armani dresses. Stop performing. Start building.

Mr. Rakesh Jhunjhunwala on when you should exit a stock 📉 Few reasons to sell- 1) Relative Opportunity 2) Review of critical factors (business model weakened, slowdown in growth, impairment of margins) 3) EPS or EPS expectation peak 4) Absurd valuation/PE Credit: A clip taken from @FLAMEUniversity YouTube channel

That’s a wrap...!!! Thanks for reading 🙌 If you found this thread valuable:✅ Do follow @adama_ask for more ✅ Like & Retweet the post to share it with others. Good Luck. Keep Earning, Saving & Investing 🙏

Big Takeaway: - Set clear, visible goals - Break them into micro-wins - Automate success - Add friction to bad habits - Use community power When you align money habits with human behavior, success becomes automatic, not aspirational.

Why do most financial goals fail? It’s rarely about math, it’s about behavior. Budgets don’t stick, savings goals fade, investments get delayed… because human psychology gets in the way. Here’s how to use behavioral science to actually reach your money goals.

Good Investing is not necessarily about making good decisions. It's about consistently not screwing up - Morgan Housel #money #FinancialPlanning