Amit Ghodasara @SurplusCoin

The Words Biggest Soverign Fund Norges made a loss of $30 billion last quarter.. The biggest and best brains also have ups and downs… Review , Rebalance , switch but don’t quit!!

Zerodha has started offering US Stocks and ETFs! Hold on..! Before you jump in, note these key negatives for resident Indian investors: Dividend tax Stocks and ETFs that pay dividends face 25% US withholding tax. In India, the gross dividend is taxed at your slab rate. You can claim Foreign Tax Credit for the US tax, but reinvesting the after-tax amount creates a tax drag. No accumulation option US-domiciled ETFs must distribute at least 90% of their net income every year. True accumulating ETFs (where dividends are reinvested inside the fund) are not available. Standard US ETFs like VOO, QQQ, etc. are all distributing. US Estate tax If you die holding US stocks or US-domiciled ETFs, the exemption is only $60,000 (≈ Rs.57 lakh). Anything above this can be taxed up to 40%. Important: This tax is on the fair market value of the assets at the time of death — not on the capital gains you made. There is no India-US estate tax treaty relief.

50 legendary internet rabbit holes you can spend hours exploring👇 1. zoom.earth — Watch the world via live satellite imagery 2. flightradar24.com — See every plane currently in the sky 3. marinetraffic.com — Track all ships at sea in real time 4. windy.com — Live map of winds and storms 5. lightningmaps.org — Watch lightning strikes hitting Earth in real time 6. earthquake.usgs.gov — Live list of recent earthquakes 7. submarinecablemap.com — Ocean cables carrying the internet 8. globalforestwatch.org — Watch forests disappear from space 9. worldometers.info — The world's statistics, second by second 10. internetlivestats.com — Current number of tweets and searches being posted 11. thetruesize.com — Compare the true sizes of countries 12. oldmapsonline.org — Maps from centuries ago 13. davidrumsey.com — Archive of 150,000 historical maps 14. openstreetmap.org — World map drawn by volunteers 15. window-swap.com — Look out the window of a random person around the world 16. virtualvacation.us — Virtual walks through cities 17. mapcrunch.com — Teleport to a random spot on Earth 18. atlasobscura.com — Catalog of the world's strangest places 19. neal.fun — Interactive knowledge experiences 20. htwins.net/scale2 — Scale journey from atom to universe (Updated HTML5 link) 21. eyes.nasa.gov — Explore the solar system in 3D 22. stellarium-web.org — Real sky map in your browser 23. apod.nasa.gov — NASA's astronomy picture of the day 24. images.nasa.gov — NASA's entire visual archive, free 25. pudding.cool — Visual articles told through data 26. ourworldindata.org — The state of the world with real data 27. gapminder.org — What we mistakenly think we know about the world 28. informationisbeautiful.net — Visualizing complex data 29. data.worldbank.org — World Bank's open data 30. data.tuik.gov.tr — Turkey's official statistics database 31. archive.org — Archive of millions of books, films, and software 32. gutenberg.org — 70,000 free books whose copyrights have expired 33. openlibrary.org — Record of every book in the world 34. loc.gov — U.S. Library of Congress digital archive 35. europeana.eu — Europe's cultural heritage archive 36. dp.la — America's digital library collection 37. artsandculture.google.com — Tour museums from home 38. rijksmuseum.nl — Download artworks in high resolution 39. wikiart.org — Archive of 250,000 artworks 40. publicdomainreview.org — Forgotten visual treasures of history 41. openculture.com — Free archive of culture and education 42. metmuseum.org — Met Museum's open collection 43. musicmap.info — Family tree of music genres 44. radiooooo.com — Pick a country and decade to listen to that era 45. listen.hatnote.com — Turn Wikipedia edits into audio 46. wikipedia.org — Random knowledge well 47. timeanddate.com — Time, sunrises, and sky events 48. sciencedaily.com — Live stream of science news 49. arxiv.org — Free preprints of scientific papers 50. observablehq.com — Visualize data with live code Save this. You’ll definitely need some of these later. 🔖

Here is the authentic list of the Times finest restaurants of India.

Those who ask Ambani why he don't compete with big companies, he does and, and he has a graveyard of failures there because he can't just use money to win there. In software, other companies are big companies with cash, they can also reduce their cost, but the small snacks sellers, chocolate factories can't afford discounts. And he ends up killing those companies. i) He acquired Saavn to compete with Spotify, god knows who pay for it now. ii) JioChat and JioMeet, another one to counter WhatsApp and Zoom, no one use because he can't just throw money to win, need to work on UI, UX, Supprt which is lil difficult. iii) JioPages, his chrome alternative, no one uses. iv) JioBook, his chromebook alternative, basically a cheap laptop for kids, failed. And there's too many attempts and none of them succeeded. And JioPC and his cloud gaming thing are next to fail.

After six UPSC attempts, Shruti Shrivastava had to let go of the future she had spent nearly a decade preparing for. But her dream of serving society was far from over. At 30, she took over the Sashaktikaran Foundation and began building a different path to change, through Project Neev, which helps rural children learn at their own pace. In many government schools, one teacher handles several grades, leaving little time to address every child’s learning needs. Project Neev combines tablets with the guidance of local women, called Shiksha Saathis, who help children strengthen their reading, writing and maths skills. Today, the initiative has reached around 900 children across six districts of Madhya Pradesh and created livelihood opportunities for 30 rural women. For these women, the work means more than earning an income. It has helped them build confidence, support their families and become changemakers in their own villages. Read the full story to discover how Project Neev is transforming rural education and creating opportunities for women : thebetterindia.com/changemakers/u… #ShrutiShrivastava #ProjectNeev #RuralEducation #WomenEmpowerment [Shruti Shrivastava UPSC journey and Project Neev , Shruti Shrivastava is transforming rural education in Madhya Pradesh]

Nifty has been struggling in a range for last 2+ years. These 34 large & midcaps have given nil to negative returns in the past 1 year, despite decent growth. Some now look reasonably valued. "34 Large & Midcaps: Growth Without Stock Returns" 1. Bajaj Finance: ₹957.3 1Y: Sales 17.8%, Profit 17.5% 2. M&M: ₹2,813 1Y: Sales 26.2%, Profit 38.1% 3. Eternal: ₹323 1Y: Sales 190.5%, Profit 44.8% 4. UltraTech Cement: ₹10,520 1Y: Sales 17.2%, Profit 26.7% 5. Trent: ₹2,913 1Y: Sales 16.9%, Profit 15.5% 6. Jio Financial: ₹213.5 1Y: Sales 119.2%, Profit 29.0% 7. Cholamandalam Inv.: ₹1,580.7 1Y: Sales 19.6%, Profit 29.1% 8. Bajaj Holdings: ₹10,750 1Y: Sales 30.2%, Profit 27.2% 9. Lodha Developers: ₹1,069.7 1Y: Sales 26.0%, Profit 39.2% 10. Muthoot Finance: ₹2,634.1 1Y: Sales 50.6%, Profit 84.8% 11. Tata Consumer: ₹958.8 1Y: Sales 15.6%, Profit 25.4% 12. GMR Airports: ₹89.5 1Y: Sales 38.8%, Profit 159.4% 13. Lupin: ₹1,935 1Y: Sales 28.2%, Profit 61.0% 14. Max Healthcare: ₹866 1Y: Sales 16.0%, Profit 24.8% 15. Bajaj Housing: ₹81.3 1Y: Sales 16.3%, Profit 19.4% 16. Waaree Energies: ₹2,345 1Y: Sales 94.3%, Profit 81.2% 17. L&T Finance: ₹262.7 1Y: Sales 15.2%, Profit 20.4% 18. Uno Minda: ₹1,104.4 1Y: Sales 18.8%, Profit 18.8% 19. Prestige Estates: ₹1,429.5 1Y: Sales 67.5%, Profit 116.0% 20. Schaeffler India: ₹3,691.8 1Y: Sales 19.2%, Profit 22.0% 21. Fortis Healthcare: ₹757.3 1Y: Sales 17.5%, Profit 16.0% 22. Suzlon Energy: ₹39.6 1Y: Sales 45.2%, Profit 50.2% 23. PB Fintech: ₹1,047 1Y: Sales 38.0%, Profit 98.8% 24. Vishal Mega Mart: ₹96.3 1Y: Sales 19.8%, Profit 29.7% 25. 360 ONE: ₹1,068.7 1Y: Sales 36.8%, Profit 19.5% 26. Premier Energies: ₹908.9 1Y: Sales 26.7%, Profit 59.1% 27. Poonawalla Fin: ₹449.1 1Y: Sales 75.0%, Profit 399.2% 28. Patanjali Foods: ₹361.4 1Y: Sales 20.2%, Profit 78.0% 29. Endurance Tech: ₹2,421.6 1Y: Sales 29.4%, Profit 15.9% 30. Godrej Industries: ₹985.8 1Y: Sales 16.9%, Profit 19.4% 31. HUDCO: ₹163.8 1Y: Sales 26.0%, Profit 53.0% 32. CRISIL: ₹4,479.2 1Y: Sales 22.0%, Profit 21.5% 33. ITC Hotels: ₹153.9 1Y: Sales 16.1%, Profit 35.3% 34. Tata Investment: ₹619.6 1Y: Sales 31.0%, Profit 31.6%

A wonderful message from my mentor this morning, worth sharing. “If your decision to invest in Indian markets depends on where crude oil or bond yields are heading tomorrow, perhaps equity investing is not for you. Focus on the right direction, the right businesses and the right management. Be willing to do what others cannot — not because you are more intelligent, but because you have or should have greater patience and emotional strength. Why do only 1% of investors create serious wealth? Because they are willing to grind, live with uncertainty, stay disciplined and resist the temptation to get rich quickly. **Wealth creation is not a test of intelligence. It is a test of patience, conviction and emotional strength.**” Simple message. Difficult to practise. And that is precisely why so few succeed.

Things we should look before #investing in #Stocks ➡️ Profitable - FCF ➡️ Healthy - Interest Coverage ➡️ Quality - ROCE, ROA, Margins ➡️ Valuation - EBITDA, FCF yield ➡️ Governance - Dividend, Buybacks ➡️ Efficiency - Cash Conversion Cycle ➡️ Growth - Sources of Funds for Capex

FIIs FIIs took around $50 billion from Indian markets in year 2022/23/24/25 and 2026. During the same period they took out $113 billion from Korea and $110 billion from Taiwan. YTD they took out more than $100 billion from Korea and around $40 billion from Taiwan. Both Taiwan and Korea are at forefront of Chips / Semiconductors. Now look at from where are they taking and withdrawing money from India. FIIs has reduced their holdings from top 10 Nifty 50 stocks. They reduced their holding in HDFC Bank from 12% to below 6%. Reliance 9% to 5%. Infy 6% to 2% TCS 4% to around 1% Kotak 3% to 1.5% Same for Bajaj Fin/ HUL/ HCL/ Asian Paints and Tech Mahindra. FIIs has more than halved their ownership in these stocks. Many of these stocks are now available at their historical low valuations. But growth in a big concern. But where has FIIs increased their holdings if valuations of Indian stocks was a concern ? Eternal from 10% to 31% (a three fold increase). Current PE Multiple is in excess of 100. HDFC AMC from 10% to 25%( a two and half time increase). Current PE multiple is 35. Polycab from 5.8% to 18% ( a three fold increase). Current PE multiple is 45. Max Healthcare from 14.6% to 45% (a three fold increase). Current PE multiple is 48. GE Vernova from 0.3% to 20%. Current PE is 75 Paytm from 4% to 24%. Current PE multiple is 56. FIIs ownership has increased above 1% from 900 stocks to 1300 stocks. Valuations and semiconductor story is part of the story for FIIs activities. Think deeply and beyond headlines and popular narratives!!!! Vijai Mantri Financial Services Pvt. Ltd. AMFI Registered MFD ARN Number 346147 AMFI Registered SIF Distributor APMI Registered PMS Distributor. vmantri.com

Wealth: Market cycles…Once it’s in consolidation phase accumulate maximum 😊 #wealth #Market #Nifty50

Dear Son Watch the news, and you will want to sell the Nifty. Watch your 10 year SIP statement, and you will want to keep buying. #investing #money #patience #nifty50 #Sensex #StockMarket #Compoundingthe8thwonder

ICICI is becoming a strong leadership factory: Shikha Sharma — Axis Bank V. Vaidyanathan — IDFC Madhabi Puri Buch — SEBI Nilesh Shah — Kotak Asset Rajiv Sabharwal — Tata Capital Sonjoy Chatterjee — Goldman Sachs Kalpana Morparia — JPMorgan Renuka Ramnath — Multiples Zarin Daruwala — Standard Chartered Vishakha Mulye — Aditya Birla And today: Anup Bagchi — HDFC Bank Anup Saha — Kotak Mahindra Bank

Mutual fund NAVs are falling. Your portfolio is in the red? But this is not new. Nippon India Mid Cap Fund’s NAV fell from ₹479 in Jan 2008 to ₹183 in Mar 2009. That’s a 61.8% decline. Many investors would have given up. Today, the NAV stands at ₹4,315. That’s 9x the 2008 peak, an 800% return from ₹479. ₹1 lakh invested at ₹479 would be worth around ₹9.01 lakh today. The biggest gains often come after surviving the biggest falls. Past performance does not guarantee future returns.

Helios Mutual Fund: Common Stocks Across Its Equity Funds 👇 Stocks appearing across Small Cap, Mid Cap, Flexi Cap and Large & Mid Cap portfolios. 1. One 97 Communications Ltd. Small Cap Weightage: 1.63% Mid Cap Weightage: 3.43% Flexi Cap Weightage: 3.79% Large & Mid Cap Weightage: 4.98% 2. The Phoenix Mills Ltd. Small Cap Weightage: 1.54% Mid Cap Weightage: 2.36% Flexi Cap Weightage: 1.53% Large & Mid Cap Weightage: 2.65% 3. Fortis Healthcare Ltd. Small Cap Weightage: 0.26% Mid Cap Weightage: 2.44% Flexi Cap Weightage: 1.00% Large & Mid Cap Weightage: 1.76% 4. Motilal Oswal Financial Services Ltd. Small Cap Weightage: 1.22% Mid Cap Weightage: 2.43% Flexi Cap Weightage: 1.38% Large & Mid Cap Weightage: 1.39% 5. 360 ONE WAM Ltd. Small Cap Weightage: 0.83% Mid Cap Weightage: 2.37% Flexi Cap Weightage: 1.57% Large & Mid Cap Weightage: 1.69% 6. Torrent Pharmaceuticals Ltd. Small Cap Weightage: 1.19% Mid Cap Weightage: 1.47% Flexi Cap Weightage: 1.74% Large & Mid Cap Weightage: 2.22% 7. Multi Commodity Exchange of India Ltd. Small Cap Weightage: 0.95% Mid Cap Weightage: 1.68% Flexi Cap Weightage: 1.56% Large & Mid Cap Weightage: 1.98% 8. Page Industries Ltd. Small Cap Weightage: 1.43% Mid Cap Weightage: 1.87% Flexi Cap Weightage: 0.60% Large & Mid Cap Weightage: 1.25% 9. GMR Airports Ltd. Small Cap Weightage: 1.10% Mid Cap Weightage: 1.84% Flexi Cap Weightage: 1.04% Large & Mid Cap Weightage: 1.20% 10. K.P.R. Mill Ltd. Small Cap Weightage: 1.10% Mid Cap Weightage: 1.76% Flexi Cap Weightage: 1.01% Large & Mid Cap Weightage: 1.53% 11. Billionbrains Garage Ventures Ltd. Small Cap Weightage: 1.20% Mid Cap Weightage: 1.56% Flexi Cap Weightage: 1.05% Large & Mid Cap Weightage: 1.49% 12. Swiggy Ltd. Small Cap Weightage: 1.42% Mid Cap Weightage: 1.48% Flexi Cap Weightage: 0.90% Large & Mid Cap Weightage: 1.15% 13. PhysicsWallah Ltd. Small Cap Weightage: 0.73% Mid Cap Weightage: 1.30% Flexi Cap Weightage: 0.92% Large & Mid Cap Weightage: 1.16% 14. Apar Industries Ltd. Small Cap Weightage: 1.32% Mid Cap Weightage: 2.95% Large & Mid Cap Weightage: 1.92% 15. Ather Energy Ltd. Small Cap Weightage: 2.32% Mid Cap Weightage: 2.09% Flexi Cap Weightage: 2.66% 16. Piramal Finance Ltd. Mid Cap Weightage: 2.60% Flexi Cap Weightage: 0.75% Large & Mid Cap Weightage: 1.42% 17. Coforge Ltd. Mid Cap Weightage: 2.39% Flexi Cap Weightage: 2.37% Large & Mid Cap Weightage: 2.42% 18. GlaxoSmithKline Pharmaceuticals Ltd. Small Cap Weightage: 1.45% Mid Cap Weightage: 2.30% Large & Mid Cap Weightage: 1.50% 19. Schaeffler India Ltd. Small Cap Weightage: 1.18% Mid Cap Weightage: 2.07% Large & Mid Cap Weightage: 1.35% 20. Marico Ltd. Mid Cap Weightage: 2.03% Flexi Cap Weightage: 0.93% Large & Mid Cap Weightage: 1.32% 21. Syrma SGS Technology Ltd. Small Cap Weightage: 1.32% Mid Cap Weightage: 1.24% Flexi Cap Weightage: 2.00% 22. Cummins India Ltd. Mid Cap Weightage: 0.92% Flexi Cap Weightage: 1.72% Large & Mid Cap Weightage: 1.95% 23. CarTrade Tech Ltd. Small Cap Weightage: 1.93% Mid Cap Weightage: 1.77% Flexi Cap Weightage: 1.34% 24. GE Vernova T&D India Ltd. Small Cap Weightage: 0.85% Mid Cap Weightage: 1.48% Large & Mid Cap Weightage: 0.96% 25. Delhivery Ltd. Small Cap Weightage: 1.15% Mid Cap Weightage: 1.07% Flexi Cap Weightage: 1.48% 26. Gokaldas Exports Ltd. Small Cap Weightage: 1.43% Mid Cap Weightage: 1.27% Flexi Cap Weightage: 0.93% 27. Saregama India Ltd. Small Cap Weightage: 1.43% Mid Cap Weightage: 0.84% Flexi Cap Weightage: 0.95% 28. Siemens Energy India Ltd. Mid Cap Weightage: 1.39% Flexi Cap Weightage: 0.67% Large & Mid Cap Weightage: 0.92% 29. Sedemac Mechatronics Ltd. Small Cap Weightage: 1.38% Mid Cap Weightage: 0.87% Flexi Cap Weightage: 0.95% 30. Acutaas Chemicals Ltd. Small Cap Weightage: 1.05% Mid Cap Weightage: 1.38% Flexi Cap Weightage: 0.29% 31. PNB Housing Finance Ltd. Small Cap Weightage: 1.08% Mid Cap Weightage: 0.78% Flexi Cap Weightage: 1.34% 32. Poonawalla Fincorp Ltd. Small Cap Weightage: 0.81% Mid Cap Weightage: 1.34% Flexi Cap Weightage: 0.89% 33. Honasa Consumer Ltd. Small Cap Weightage: 1.25% Mid Cap Weightage: 0.82% Flexi Cap Weightage: 1.30% 34. Vishal Mega Mart Ltd. Mid Cap Weightage: 1.22% Flexi Cap Weightage: 0.54% Large & Mid Cap Weightage: 0.66% 35. PB Fintech Ltd. Small Cap Weightage: 0.76% Mid Cap Weightage: 1.03% Flexi Cap Weightage: 0.77% 36. Indegene Ltd. Small Cap Weightage: 1.01% Mid Cap Weightage: 0.65% Flexi Cap Weightage: 0.63% 37. NBCC (India) Ltd. Small Cap Weightage: 0.98% Mid Cap Weightage: 0.95% Flexi Cap Weightage: 1.00% 38. Computer Age Management Services Ltd. Small Cap Weightage: 0.96% Mid Cap Weightage: 0.68% Flexi Cap Weightage: 0.42% 39. The Indian Hotels Company Ltd. Mid Cap Weightage: 0.86% Flexi Cap Weightage: 0.64% Large & Mid Cap Weightage: 0.48% 40. V2 Retail Ltd. Small Cap Weightage: 0.84% Mid Cap Weightage: 0.76% Flexi Cap Weightage: 0.43% 📌Disclaimer: For educational and informational purposes only. Not a Buy/Sell recommendation.

Abakkus Mutual Fund: Common Stocks Across Its Equity Funds 👇 Stocks appearing across Small Cap, Flexi Cap and Large & Mid Cap portfolios. 1. BEML Ltd Small Cap Weighage: 1.31% Flexi Cap Weighage: 1.48% Large & Mid Cap Weighage: 1.82% 2. Oracle Financial Services Software Small Cap Weighage: 1.46% Flexi Cap Weighage: 2.80% Large & Mid Cap Weighage: 1.82% 3. Vedanta Aluminium Metal Small Cap Weighage: 1.32% Flexi Cap Weighage: 2.53% Large & Mid Cap Weighage: 1.43% 4. HDFC Bank Small Cap Weighage: 1.45% Flexi Cap Weighage: 4.41% 5. State Bank of India Small Cap Weighage: 1.48% Flexi Cap Weighage: 3.87% 6. NTPC Small Cap Weighage: 1.41% Flexi Cap Weighage: 2.88% 7. Inox India Small Cap Weighage: 1.83% Flexi Cap Weighage: 2.66% 8. ZF Commercial Vehicle Control Systems India Small Cap Weighage: 1.84% Flexi Cap Weighage: 2.49% 9. Aether Industries Small Cap Weighage: 1.67% Flexi Cap Weighage: 2.24% 10. Leela Palaces Hotels & Resorts Small Cap Weighage: 1.89% Flexi Cap Weighage: 2.16% 11. Karur Vysya Bank Small Cap Weighage: 1.80% Large & Mid Cap Weighage: 1.98% 12. Arvind Fashions Small Cap Weighage: 1.55% Flexi Cap Weighage: 1.80% 13. IIFL Finance Small Cap Weighage: 1.62% Flexi Cap Weighage: 1.75% 14. Equitas Small Finance Bank Small Cap Weighage: 1.48% Large & Mid Cap Weighage: 1.78% 15. Emmvee Photovoltaic Power Small Cap Weighage: 1.38% Flexi Cap Weighage: 1.65% 16. Urban Company Small Cap Weighage: 1.42% Flexi Cap Weighage: 1.65% 17. PNB Housing Finance Small Cap Weighage: 1.43% Flexi Cap Weighage: 1.55% 18. Clean Science & Technology Small Cap Weighage: 1.21% Large & Mid Cap Weighage: 1.96% 19. Edelweiss Financial Services Small Cap Weighage: 1.37% Flexi Cap Weighage: 1.38% 20. Kirloskar Pneumatic Small Cap Weighage: 1.34% Flexi Cap Weighage: 1.34% 21. Kajaria Ceramics Small Cap Weighage: 1.40% Flexi Cap Weighage: 1.30% 22. International Gemological Institute Small Cap Weighage: 1.33% Flexi Cap Weighage: 1.17% 23. Jubilant Pharmova Small Cap Weighage: 1.42% Flexi Cap Weighage: 0.66% 24. Vedanta Power Small Cap Weighage: 1.00% Flexi Cap Weighage: 1.06% 25. ICICI Bank Flexi Cap Weighage: 5.51% Large & Mid Cap Weighage: 4.54% 26. Divi's Laboratories Flexi Cap Weighage: 2.97% Large & Mid Cap Weighage: 2.11% 27. PB Fintech Flexi Cap Weighage: 1.89% Large & Mid Cap Weighage: 2.33% 28. 360 ONE WAM Flexi Cap Weighage: 2.30% Large & Mid Cap Weighage: 2.01% 29. Billionbrains Garage Ventures Flexi Cap Weighage: 1.56% Large & Mid Cap Weighage: 2.10% 30. Bajaj Auto Flexi Cap Weighage: 1.43% Large & Mid Cap Weighage: 1.79% 31. United Spirits Flexi Cap Weighage: 1.61% Large & Mid Cap Weighage: 1.36% 📌Disclaimer: For educational and informational purposes only. Not a Buy/Sell recommendation.

@divyamittal_IAS India is with you rather I would say with your thoughts Ma’am!! Keep your motivation high and we will reach to our destination! Use your all social media platforms maximum to reach your thoughts at destination..

कुछ दिन पहले IAS से त्यागपत्र दिया था और आपके मन में कई सवाल छोड़ दिए थे। अपनी बात इस वीडियो में कह दी है। अगर आपको लगे कि ये आपकी भी बात है, तो 9198956957 पर whatsapp मैसेज करिए।

Markets fall. Most investors panic. Pros don't. The difference is never luck. It's clarity. If you know why you bought a stock, a fall changes nothing. A thesis that worked at 100 works even better at 80. If you can't explain why you own what you own, you never invested. You gambled. And in gambling, the house always wins.

The 80/20 Principle: ◉ Health: 80% eating, 20% exercising ◉ Wealth: 80% habits, 20% math ◉ Talking: 80% listening, 20% speaking ◉ Learning: 80% understanding, 20% reading ◉ Achieving: 80% doing, 20% dreaming ◉ Happiness: 80% purpose, 20% fun ◉ Relationships: 80% giving, 20% receiving ◉ Improving: 80% persistence, 20% ideas ◉ Prioritise the 80% and the rest will fall into place.