H.I. McDunnough

If Elon somehow manages to get out of this TWTR deal for only 1b, he’ll be right up there with Houdini.

10 things billionaires don't want you to know are free. The richest people on Earth use these every day. You can use them right now. Bookmark this. 1. Harvard CS50 The exact computer science course Harvard freshmen take. Includes a real certificate signed by the professor. Site → cs50.harvard.edu 2. MIT OpenCourseWare 2,500+ MIT courses online. The same lectures their $80K-a-year students sit in. Site → ocw.mit.edu 3. Y Combinator Startup School The exact playbook YC uses to train the founders of Airbnb, Stripe, and Coinbase. Site → startupschool.org 4. Berkshire Hathaway Letters Warren Buffett's annual investing letters since 1977. Hedge fund managers re-read these every year. Site → berkshirehathaway.com/letters/letter… 5. SEC EDGAR The real-time filing system Wall Street uses. Watch what every billionaire is buying the moment they file. Site → sec.gov/edgar 6. Stanford Online Stanford's CS, engineering, and machine learning lectures. The exact courses Andrew Ng once taught. Site → online.stanford.edu 7. PubMed Central The NIH's full archive of medical research. Studies that journals charge $40 each to read. Millions of them. Site → ncbi.nlm.nih.gov/pmc 8. World Bank Open Data Every economic dataset the World Bank tracks. The same data Goldman Sachs analysts pay for. Site → data.worldbank.org 9. OpenLibrary The Internet Archive's free book lending service. Millions of books, no library card needed. Site → openlibrary.org 10. Project Gutenberg 70,000+ classic books, completely free. From Plato to Tolstoy. Site → gutenberg.org Here's the wildest part: A Harvard education costs $250K. An MBA costs $200K. A Bloomberg Terminal costs $25K a year. A YC seat costs you 7% of your company. You just got all of it. For free. The most expensive things in the world are usually free. You just have to know where the door is. Most people never look. Save this before you forget. 100% free. Forever.

@Virat0708 @bubbleboi Props for the sentence, “I love my girlfriend.. but guys.. it’s time to short the Indian rupee.” Hilarious. However, as others have said, the carry sucks. There’s still meat left on the IT short and it’s safer.

@bubbleboi Good thesis, but I'd put the probability at 20–30% for the full play on this timeline. Here's why...

Everyone is shorting SaaS. Everyone is shorting IT consulting companies. Everyone’s seen what’s happened to Salesforce, Atlassian, & Infosys. The trade is crowded, the multiples have already compressed, and the alpha is gone. But.. what if.. I told you there was still a bigger better play. One where a $3.7T economy is structurally short the labor arbitrage that frontier AI models are dismantling, and that the macro plumbing amplifies the shock instead of absorbing it… I love my girlfriend.. but guys.. it’s time to short the Indian rupee. India runs a structural current account deficit which means they spend more on goods/services from the rest of the world than they earn selling their own. They’ve run one every year since the economy liberalized in 1991. Running a current account deficit isn’t fatal, but it’s like a treadmill, you have to keep finding dollars to fund it, year after year, and if any one of the funding sources dries up, the currency adjusts. India has been running on this treadmill for thirty years. The reason India has been able to pull this off is because their deficit is funded by remittances from the Indian diaspora, FDI/portfolio flows, and critically for this trade services exports. Services exports from India are now ~$370B annually and growing, and they have become the single largest plug for India’s external accounts. Goods exports are ~$440B but with imports of ~$680B, the goods trade deficit alone runs ~$240B. Services exports cover that gap and then some, which is why the INR has been remarkably stable around 83–88 per USD for years despite the goods deficit. The composition of these services exports is why this is an AI trade. Roughly 55% of India’s services exports are IT service, software services, and back-office functions that the giant Indian consulting companies sell to US and European enterprises. That’s ~$200B+ annually. If you then add in Global Capability Centers (which are when international companies create an Indian office to offshore work. This is estimated to employ 1.9M people and is growing at 11% YoY), you’re looking at the entire IT services economy producing somewhere between $240–280B of annual export earnings, all of which is dollar-denominated, all of it billed by the hour. This whole sector alone sustains India’s current account deficit and is in the direct line of fire to be automated by AI productivity gains. This is not a 5% problem. This is a 30–60% revenue compression over five years. Roughly half of the $280B base is routine software work like app development, maintenance, and testing that is already replaceable by GenAI coding tools. Another ~25% is call centers, claims processing, document review and that’s even more exposed because the work is more structured and the AI tools there are more mature, putting another ~$38B at risk of a 50% compression. The remaining ~25% is higher-value enterprise work that’s defensible for now but maybe ~$7B is at risk. If you Stack them all you get ~$80B of annualized revenue compression by year five, or 29% of the base gone and that’s the floor for my estimate.. The bear case destroys $140–170B of service exports or 50–60% of the entire industry. The timeline matters here a lot as well. 2027–2029 the Fortune 500 companies will have a good idea of token usage and capacity rationalization leading to vendors shrinking and multi-year contracts repriced lower. Sadly, this exactly when India needs the funding most, because manufacturing PLI revenue won’t have ramped enough to compensate. A 29% revenue compression means India’s IT services exports shrink from ~$280B to ~$200B annually with $80B of dollar earnings gone. The current account deficit today at -1% of GDP is ~$40B today. Meaning you don’t need my bear case to break the rupee just losing $80B of services revenue alone takes the deficit to roughly -3% of GDP, which is historically the level where INR has been forced to depreciate sharply.

THIS ROUTINE IS WORTH A MILLION DOLLARS

THE PHOTONICS ROTATION Almost nobody is watching photonics. As AI clusters scale, copper hits physical limits and the next bottleneck becomes optical infrastructure. Here are 15 names positioned for it: 1. $LITE owns the laser + optical switching side of the trade and is one of the cleanest pure plays on AI optical demand. 2. $COHR wins from lasers, modules, and networking hardware that power hyperscale AI infrastructure and cloud expansion. 3. $AAOI is one of the best ways to play AI optical transceivers with major hyperscaler demand for 800G and 1.6T connectivity. 4. $SIVE benefits from the push toward faster semiconductor-to-optical integration as AI infrastructure scales. 5. $MRVL controls a huge part of the DSP + interconnect story with optical networking chips and high-speed connectivity. 6. $AVGO sits at the center of AI networking through switching, custom silicon, and optical interconnect demand. 7. $ANET is the Ethernet backbone moving massive AI workloads across hyperscale clusters and data centers. 8. $GLW supplies the specialty glass + fiber needed for the optical transport layer behind AI infrastructure. 9. $JBL benefits from building and scaling the actual hardware behind networking systems and optical modules. 10. $AEHR wins from burn-in + testing demand as AI ASICs and high-power optical hardware move into production. 11. $POET is focused on lower-cost optical engines designed to improve efficiency inside AI data centers. 12. $LWLG is pushing next-gen polymer photonics that could make optical communication faster and more efficient. 13. $QCLS brings exposure to advanced laser systems supporting precision photonics and next-gen optical demand. 14. $LPTH provides specialty optics and photonic components tied to industrial, defense, and AI-driven systems. 15. $ALAB gives exposure to the connectivity + infrastructure side helping AI clusters scale faster. Most people won’t care until these are already up 100%.

BREAKING: AI can now create dividend portfolios that can generate $100,000 in passive income a year — for free. Here are 12 powerful Perplexity prompts With which you will find safe + growing dividend stocks. Save this thread. 🧵

Everyone says high yield ETFs are scam. I challenged 3 of the most common arguments. They didn’t hold up… 🧵👇

Capital: Annual Dividends: $TDVI 30k = $2,100 $GPIX 30k = $2,700 $OVL 30k = $3,100 $SOXY 30k = $3,600 $KGLD 30k = $3,900 $MLPI 30k = $4,500 $TDAQ 30k = $5,100 $KSLV 30k = $5,400 $BTCI 30k = $8,100 $NVII 30k = $13,500 Annual Income: $52,000

Chart 9: The goal of investing is to beat inflation with money you'll need in the future. Historically, stocks have provided the highest return above inflation. The only returns that matter are REAL returns. The return after inflation. Cash, while it feels safe in the short term, is a big risk over the long term. It doesn't usually beat inflation. In other words, cash loses value over time.

I’ve been dividend investing for ~ 10 years Bought ~$1M+ worth of dividend stocks & ETFs Here’s 9 of some of my all-time favorite dividend ETFs that pay huge! (in no particular order) *Save this for later* 🔖👇

A friend of mine from Harvard Law set up his own firm last year. Solo practice. No associates. No paralegals. Working out of a co-working space with a laptop and a coffee habit. Last month a mid-size business owner reached out looking for outside counsel. Three firms were being considered. Two of them were 15-attorney shops. The kind with pitch decks, associate teams, and glass-walled conference rooms that smell like fresh carpet and overbilling. My friend was a one-person firm with a WeWork membership. He almost canceled. He thought there was no way he could compete with that. I told him to try one thing before he walked away. Open Claude Code. Give it the owner's name, the company name, and 45 minutes. Ask it to build a complete intelligence report using only publicly available data. He did not think it would work. He tried it anyway. Claude came back with a 13-page report. He read it over coffee. Took 28 minutes. By the time the Zoom started, this solo attorney knew things about the prospect's company that the owner's own in-house team probably had not assembled in one place. The company was incorporated in Delaware but registered as a foreign entity in Texas 14 months later. That is expansion. A second member was added to the LLC in 2024. Claude pulled the operating agreement implications from the state filing and flagged what a new member meant for governance, profit distribution, and decision-making authority. Three active trademark applications filed in the last six months. Two were in a product category the company had never publicly announced. Nobody on the website knew about it. The trademark filings did. PACER hit. The company had been named as a defendant in a vendor dispute 18 months ago. It settled. But the complaint was public and Claude read every page of it. The core issue was a supply agreement with no termination clause. My friend now knew this company had been burned by a bad contract. They would care deeply about airtight vendor agreements going forward. He did not have to guess. It was in the filing. State court records. The owner had a dissolved LLC from 2019 with a different partner. A business divorce. Which meant this owner would value clear partnership terms and buy-sell provisions this time around. People who have been through a bad breakup want a prenup for the next one. Same principle. Hiring activity. Four job listings posted in 60 days. Head of compliance. Operations manager. Two warehouse roles. They were scaling fast and hiring operational infrastructure. That is exactly when companies need outside counsel the most and know it the least. They think they need a lawyer when they get sued. They actually need a lawyer when they start hiring a Head of Compliance. Glassdoor. 11 reviews. Every positive one mentioned culture. Every negative one mentioned the same thing. "No HR. No handbook. No process." A company growing faster than its internal policies. An employment claim waiting to happen. And a business owner who probably had no idea what his own employees were writing about him. Google reviews. 4.3 stars. But Claude flagged a pattern in the 1-stars. Three different customers mentioned the same issue. Product delivered late with no communication. The biggest operational liability was not product quality. It was fulfillment. That is a breach of warranty problem, a customer retention problem, and a potential class issue if the pattern scales with the company. Then there was a section Claude titled "Founder Mindset." It pulled a transcript from a podcast the owner appeared on and analyzed his communication patterns. One quote stood out. He said "I have spent more on lawyers fixing problems than I ever spent on lawyers preventing them." That one sentence told my friend exactly how to position his entire practice. Not as a litigator. Not as a fixer. As the lawyer who prevents the problems in the first place. The pitch wrote itself. Claude also analyzed the owner's communication style across LinkedIn posts, podcast answers, and X replies. Based on patterns it flagged what mattered for the meeting: this person values substance over rapport. He distrusts anything that feels like a pitch. Lead with what you know. Skip the small talk. Show your work before you ask for the engagement. My friend adjusted his entire approach based on that analysis. The Zoom started. No pleasantries. No "let me tell you about my firm" warmup. The owner gave his overview. What the company does. Where they are heading. What they need. Then my friend said "I noticed you filed two trademarks in a new product category last quarter. Is that the line you are launching in Q3?" Silence. "How do you know about that?" A solo lawyer working from a coworking space just earned more credibility in one sentence than the 15-attorney firm earned in their entire pitch deck. He walked the owner through everything. The vendor dispute and what it meant for future contracts. The hiring pattern and the compliance risk it signaled. The Glassdoor reviews pointing to an HR exposure. The fulfillment complaints that were one bad quarter away from becoming a warranty liability. He did not pitch his services. He showed the owner his own blind spots using the owner's own public data. Then he said which ones he would fix first and why. The owner said "the other firms sent me a brochure. You just showed me you already understand my business better than they do." He hired my friend that week. A solo practitioner over two 15-attorney firms. No associate team. No paralegal pulling research. No marketing department. One Harvard Law grad with Claude Code, a 13-page report, and 28 minutes of preparation that the other firms did not think to do. This is what I keep telling solo lawyers and most of them do not believe me until they see it. The advantage is not firm size. It is not headcount. It is not a fancy office or a partner track or a receptionist who offers sparkling water. The advantage is showing up knowing things the prospect did not expect you to know. That is what wins the engagement. Every time. And right now it is easier than it has ever been. Because almost everything about a business is public. It is just scattered across 15 different sources that no lawyer checks before a pitch meeting. Claude checks all of them in one run and hands you a report you can read before your coffee gets cold. Secretary of State filings. Incorporation, officers, registered agents, foreign qualifications. PACER and state court dockets. Every lawsuit, motion, and settlement. USPTO. Trademark filings tell you where a company is going before they announce it. LinkedIn job postings. What a company is hiring for reveals what is broken inside. Glassdoor. What employees say when nobody from management is reading. Google reviews. The 1-star reviews are where the legal risks hide. Podcast transcripts. The founder's own words analyzed for how they think and decide. UCC filings. Who they owe money to. What assets are pledged. Property records. Leases, liens, ownership structures. Communication pattern analysis. How this specific person talks, processes information, and makes decisions. So you know exactly how to show up. All public. All free. One report. Under 30 minutes to read. The solo lawyer who builds this into their pre-meeting workflow will win clients over firms 10 times their size. Not once. Every time. Because nobody expects a solo to show up that prepared. And that gap between what they expect and what you deliver is the most valuable asset in your practice. My friend is a Harvard Law grad. He has no team. He works from a coworking space. He is winning over 15-attorney firms because he spends 45 minutes doing what they never bother to do. The playing field was never about resources. It was about preparation. And preparation just got automated.

🚨 Don’t Let Decay Wipe Out Your Dividends! 🚨 That juicy yield means nothing if your investment keeps losing value! 📉💸 Here's 9 "Sweet Spot" ETFs that offer Huge Income & NO DECAY! *Save this post for later!* 🔖👇

R.I.P. GOOGLE FLIGHTS IN 2026. R.I.P. BOOKING COM IN 2026. R.I.P. SKYSCANNER IN 2026. $1,190 flight. I paid $159. Use these 7 prompts before booking your next trip :

This feels like cheating. I just found a GitHub repo that runs a full contract review in under 60 seconds using Claude Code. A lawyer charges $300–$500/hour for the same thing. The repo deploys 5 AI agents in parallel the moment you run /legal review on any contract file. Each agent has a different job: → One breaks down every clause and categorizes it → One scores each clause for legal risk → One checks against GDPR, CCPA, ADA, PCI-DSS, SOC 2 → One maps every obligation, deadline, and trigger in the document → One generates specific fix recommendations with exact replacement language At the end you get a Contract Safety Score from 0–100, a full risk dashboard, and a client-ready PDF report. It also generates NDAs, privacy policies, terms of service, freelancer agreements, and SOWs from scratch. 82% of freelancers sign contracts without reading them. 67% of small businesses never review vendor agreements. One bad clause costs $10,000+. This repo closes that gap. 14 skills. 5 agents. One install command. 100% Open Source. github.com/zubair-trabzad…

Nobody told you airlines have two prices for every flight. The price they show you. And the price they hope you never find. $1,190 flight. Paid $141. $1,049 difference. Same seat. Same day. Here are the 7 prompts that found it: (Save this before disappearing).

Don’t PAY Apple or Google $100 a year for extra cloud storage. I freed up 500GB across my Mac, iPhone, and Gmail in 20 minutes. I made my devices run like brand new without paying a dollar. Use these 18 simple steps:

Rural Europe is going to become a lifestyle destination for millions, not just Europeans. Thousands of historic towns sitting half-empty. Stone houses for €30-80K. Solid houses built for generations, realistically yours for under €200K. Often with incredible tax regimes. The two things that were missing: internet and services. Starlink fixed the first. And these aren't the rural areas of the 90s, many towns close to larger cities are now perfectly served. People are moving back. This is my "Starlink guide" to rural Europe: 10 places I'm considering for living or investment myself. 🧵

Your cell phone does not listen to you “by accident.” It's a feature, not a bug. I talked about traveling to Rome just once and 10 minutes later I started getting flight ads. It's called “Shadow-Logging” and it happens through 5 settings you've never touched. Here's how to remove eavesdropping once and for all: (Save and do this important step).

@MarkLWolfson @Jkylebass @joekent16jan19 Transatlantic slave trade was done y European powers so the 120m number unsubstantiated and not based on the historical record. Christians are responsible for plenty of war, death and slavery.

Kyle, To know how to treat a group it's critical to learn what its history is. Fundamentalist Islam comes to America with a 1,400 year resume. Since Muhammad invented Islam its followers have killed about 270 million non-Muslims by the political act of Jihad, greatly surpassing Communism which killed about 94 million people since Karl Marx invented it. Islam has killed more people and caused more human suffering than any other group in history. Read "Tears of Jihad" from Dr. Bill Warner below: politicalislam.com/tears-of-jihad/

After much reflection, I have decided to resign from my position as Director of the National Counterterrorism Center, effective today. I cannot in good conscience support the ongoing war in Iran. Iran posed no imminent threat to our nation, and it is clear that we started this war due to pressure from Israel and its powerful American lobby. It has been an honor serving under @POTUS and @DNIGabbard and leading the professionals at NCTC. May God bless America.

This 1 hour IBM lecture will teach you more about quantum computing than 2 years of any physics program. Netflix will still be there tomorrow. This edge will not.

The money-maker: Create a series. One book makes you $300/month. A series of 5-10 books in the same niche? That's when you hit $3000+/month consistently. Parents buy multiple books from authors they trust.