Mayank Gaur

@AnshulGarg1986 @arindam___paul Curious to know,what top 3 things helped? In a tough routine,I keep slipping up eating junk sometimes even unconsciously picking a namkeen here and there

@arindam___paul Consistency matters. I also lost 21 kgs in the last 1.5 years. Started with 112 kgs. Still aiming for 10 kgs more.

The first pic was from about 12 years back. Overweight, high lipids, chronic back pain, disc bulges etc etc The second pic is today. Much better in all aspects today All the while, i have been working 55-60 hours a week in a job which is demanding with a fair bit of travel But apparently 3-4 hours of exercising per week done over 12 years can work pretty well Compounding is indeed the 8th wonder of the world. Just give it time to compound and don’t give up

@hsinha1445 Any risk analysis of choosing cash vs deploying in expensive valuations? Their rationale mostly is they hold cash as they do not see risk return roi,not that holding cash gives returns in the form of dry powder deployment when things are deep red

This is the real secret sauce behind Parag Parikh Flexi Cap’s success—and it’s not what you think. Everyone attributes Parag Parikh Flexi Cap's success to its foreign stocks and cash discipline. I reconstructed 13 years of the fund from 160+ disclosed monthly portfolios. That story falls apart. The fund has compounded at 17.9%/yr since June 2013. Nifty 500 TRI did 14.3%/yr over the same window. A clean 3.5-percentage-point edge. Now decompose where that edge came from. 📊 Brinson attribution splits the excess into three pieces based on where the fund kept its money and how each bucket performed versus the Nifty 500. Over 13 years, cumulative: → Indian stock selection: +46.0% → Foreign equity tilt: +3.9% → Cash + arbitrage tilt: −20.6% Read that last line again. Cash — the famous "dry powder" that PPFCF fans love to talk about — has cumulatively dragged the fund by 20 percentage points versus the benchmark. Foreign added 3.9%. Meaningful, but not the engine. The engine is one line. Indian stock selection. 🔬 Strip away foreign and cash. Look only at the Indian sleeve, renormalized to 100%. It compounded at 22.5%/yr. Nifty 500 TRI: 15.0%/yr. A 7.5%/year pure stock-picking edge. It beat the index in 12 of 14 calendar years. 🧪 Now the other common story: "PPFCF is really a value fund." Tested it. Tried to explain the India sleeve's excess return using the four classic style tilts — Value, Quality, Low Vol, and Momentum. They don't explain it. A mild quality lean, yes. A value tilt? Basically zero. So, where does 7.5%/yr of selection alpha come from? 3 sectors: → Financials — 47% avg weight vs Nifty 500's 27% — contributed +39.2% → Information Technology — 12% vs 7% — +20.6% → Utilities — 8% vs 5% — +11.7% 3 sectors, ~95% of the total India-sleeve excess. The other 8 sectors were a wash. And here's the tell. Financials and IT have both been through a rough patch recently. What is Parag Parikh doing? Adding. Not trimming. Not rotating. Same move they've made through every pullback of the last 13 years. If you own Parag Parikh Flexi Cap because of Google and Microsoft, or because "they hold cash in bear markets" — that's not what you own. You own a concentrated Indian stock-picker, structurally overweight Financials and IT, with demonstrable selection skill inside both. Foreign is a side show. Cash has been a cost.

@cryptopunk7213 Will be very handy for PMs,they know the UX,just fitting things into design system is tricky,but if claude can handle this part,PMs can judge what is good what isn't!

fucking ruthless lol. now we know why anthropic left the board of figma this week they built a product that not only replaces them it’s just better Figma stock is getting crushed on the news and already down 50% this year 💀 claude design > reads your code base, > creates a custom design system for it > uses new opus 4.7 to create design assets this is 90% of the work designers do.

@totallynotkaran @livingdevops Rational take,sad for the individual but the world is harsh and there are rules(such as tax) which cannot be negotiated against!

This is a very dense argument. If government starts doling out stuff like this, half the country will decide to be unemployed and remain unemployed. If a poor person got laid off earning 60L, it is a sad situation but I'd assume at 60LPA he'd have a decent corpus to live for sometime while trying to find a new job. If he gets on extremely hard times, we do have a good social cover, in the form of food grains, medical cards etc. You cannot expect the state to start giving you money to compensate for what you lost, that's just a financially ludacris argument.

Someone earning 60 LPA got laid off during oracle layoffs Last year, he paid ₹15 lakh in taxes. And paid over 1 crore in taxes in last 7 years. - Now, he has no salary. - He is going to lose his home as he can’t pay EMI - His kids are going to kicked out of school - He won’t have health insurance When someone start earning, government try to extract every penny they can in the name of - Stamp duty for home - GST in everything including schools fee and books - They even charge GST on health insurance, air purifier, water filter and 20 things as government failed to provide basic needs. When that same person loses his job, Government never show up to help. If taxpayers contribute in good times, shouldn’t government provide some protection in bad times too? No matter which political parties you support, result is same. I think it’s time we push our government to provision a separate policy for laid off employees. It’s time for government to show some support for its tax payers.

@dharmesh Tools exposed for agents to decide on the go based on metadata(similarly like humans choose to call APIs for setting up flows) Webmcp standards is a stab in that direction for web

Every B2B software company is (or should be) building a "headless" version of their product. One that can be used by agents. But "headless" doesn't mean "brainless". You don't just wrap your existing APIs into an MCP server and call it a day. The companies that succeed in the agentic era are those that take a thoughtful approach to *designing* an agentic user experience (AUX). Yes, that will likely involve APIs, MCPs and CLIs. But the difference will be in the *ergonomics* of the interface. We need to figure out *how* agents actually want to use our products/platforms. Because if all they wanted to do was use them like humans do, we have "computer use" for that. I'm personally very excited about this new agentic world when it comes to B2B software. HubSpot is all-in on building the #1 agentic customer platform. Just posted this in a private Slack thread with the HubSpot exec team: Being agentic is not just about agents running *on* our platform, it's about agents *running* our platform (being able to operate it). That's how you take AI from being a simple tool to a savvy teammate.

@BaluGorade Do they take fresh money even now?

Investing philosophy of Nalanda Capital in a nutshell: - Zero or minimal debt - High ROCE - Strong competitive advantage - Long term view - Robust business at attractive price That's it!!! Over the years they have generated 19- 20% CAGR. That's really amazing.

Cycles test temperament more than intelligence. This is when real investors separate from spectators.

@Livpure_India @LivpureSmart I bought your RO service on 21 Mar,nobody came to install it even with 72 hrs.Its been more than 10 days and more than 7 days since I filed my cancellation refund request.I have still not received any response.I need my refund within 24 hrs!

@LifeAfterFI @contliving They don't call like madmen asking to buy insurance etc.

@contliving why would any urban, literate person want to have an SBI account in today's day and age?

Biggest bank - not allowing net banking to close books. Shaandar 😂

@ICONSIndiaIN @DealsDhamaka Well said!

The obsession with becoming a dollar millionaire is a vanity metric that only matters if your end goal is importing luxury goods or retiring in the US. For the vast majority of wealth creators in India, domestic Purchasing Power Parity (PPP) is what actually dictates your standard of living and financial stature. True wealth is built on how far your capital goes in the economy you actually live in, not an arbitrary foreign benchmark!

You’re running… but the finish line is moving faster USDINR is up ~30% in the last 4 years. Yes, India is growing. GDP is expanding. On paper, wealth is increasing But here’s the uncomfortable reality, the global benchmark of wealth is becoming a $ millionaire And that changes everything Becoming a dollar millionaire, the yardstick for real global purchasing power and financial stature is now getting harder than ever. Your assets may be going up in INR terms, but if the currency weakens, your global standing doesn’t keep pace. Let that sink in.

@Trendulkar @contliving Says who? It's also based on needs(expenses,goals) and accordingly the corpus to feel rich.Anyways rich is a state of mind,5 Cr mei rich feel krrhe hai yaha

@contliving because $ millionaire is the new rich

Remember when ₹1 crore felt huge? You now need ₹9.5 crore to be a dollar millionaire.

@KyleAsay_ Source?

Anthropic just released a report with their view of “theoretical capability of AI” related to occupations. A few thoughts: 1) Anytime someone tells you they’ve completely replaced sales with Claude, ask them how they got access to more powerful models than Anthropic. Then politely ask them to stop lying on the internet for comments. 2) It’s obvious but will say it anyway - professions that require human connection will be around for a long time. 3) I thought Sales would have more AI coverage - maybe we are more defensible as a profession than we even hoped? 4) Does VP of Sales go under “Sales” or “Management?” Trying to decide how much money I need to save this year. 5) Regardless of profession, the “top talent” will do very well in the age of AI. But some professions will have more buffer than others. Career plan accordingly.

@contliving @contliving very good point,people who want to do it will keep looking for ways to get there! Others will keep finding excuses,the 10 crore story is a very motivating story

The recent post by Pattu sir of someone who made 10 crores on a salary should spark your interest and make you curious. Arun not only created 10 crores for himself before 50, he is on his way to create generational wealth. Pure consistency. On a salary. No business or got lucky factor. Why can’t you do it?

@contliving Run in the opposite direction asap!

Recently spoke to someone who asked if he should consider investing in this relatives real estate business who gives 40% returns annually. What would you say to such a person?

@RajkumarPR8 @grok what does this data tell us?

If you can understand this simple trick, you can create good long term wealth in equity market!

It's so simple: You spend less than you earn.Invest shrewdly.Avoid toxic people and toxic activities.Try to keep learning all your life. And do a lot of deferred gratification -Charlie Munger

@ravihanda Is it an energy issue? If you enjoyed it,maybe you would have the energy for it too

I wish I had attended more concerts when I had the energy / motivation.

@TimesAlgebraIND Ektiya,dutiya,thretiya...hinderberg hai ch*tiya

Two words for Hindenberg !!

@invest_mutual Is the difference looking bigger since not enough time has passed for the entire cycle to playout? I am sure even in past smallcaps would have runup more than midcaps and a zoomed in version would give the same picture

For about 20 years, the BSE mid and small cap indices gave similar returns. The divergence has happened in the last 3-4 years

@KarthikS2206 Adds up to 45 mins

I just had a 45-min chat with a VC: - They came 11 mins late - They gave me a 15-min detail about their portfolio - I spoke about Flexiple for 2 mins - They gave me 17 mins of advice to grow my profitable company Was fun.