Very very rarely short a stock or the market

https://x.com/adamkhootrader/status/1760935336220434927 (Adam Khoo) This is the reason I very very rarely short a stock or the market, even though I think a correction is coming or if I think a stock is overvalued and full of crap. "I'm constantly fighting my bearishness about the world. One of the great hedge fund managers of all rime, Bob Wilson, greatest short seller ever, said he made 90% of his money on the long side, the math just works against you. If you're perfect on a short, you can double your money. But if you're wrong on a short, you can lose 10 times your money. If you're dead wrong on a long, you lose your money. But if you're right, you can make 10 times your money. It's a mathematical inverse of that with shorting. You don't have to be a rocket scientist. I know, therefore, that if you have a bearish bias, you have to be very aware of it. You have to work around it. And I always have." - Stanley Druckenmiller

What Is Active Listening? by Amy Gallo

 https://hbr.org/2024/01/what-is-active-listening
“What Is Active Listening?” by Amy Gallo on Harvard Business Review explains that active listening is a crucial communication skill that involves several key components:

1. Reading Body Language and Tone of Voice: Understanding non-verbal cues is essential.
2. Maintaining Attention: Staying focused on the speaker without distractions.
3. Controlling Emotional Responses: Being aware of and managing your own emotions during the conversation.

The article emphasizes that while techniques like nodding and repeating back points are helpful, they alone may not make the speaker feel truly heard.

Linus Pauling’s Vitamin C Therapy: A Personal Experience

An article extracted from Tony Jones from OptimaEarth Labs on why we should not take Statins but advice from Dr Linus Pauling studies (Linus Pauling in the form of his “Unified Theory of Cardiovascular Disease”, released in the 1990s)

Summary
Pauling’s Scientific Findings:

FIRSTLY: Plaque deposits found in human aortas are made from a special form of cholesterol called Lipoprotein a or Lp(a), not from ordinary LDL cholesterol. Lp(a) is a special form of cholesterol that forms the thick sheets of plaque that obstruct arteries.

SECONDLY: Plaque deposits are not deposited uniformly around the circulatory system, instead, they only occur at sites near the heart, on bends, and where mechanical pressure is great. These are points where the artery gets stretched and bent with every heartbeat.

AND LASTLY: That plaque only forms in parts of the artery that are damaged from this constant bending and stretching. As tiny cracks appear in the artery wall, Lysine a component of collagen is slowly released. This lysine attracts Lp(a) to the site of the crack and as time progresses the sheets of Lp(a) deposit on top of each other and start to develop into a dangerous blockage.

As Pauling observed the process of plaque formation, which was similar to that of scurvy, he also noticed other clues that support his theory.

#1. ATHEROSCLEROSIS DOES NOT OCCUR IN ANY ANIMALS THAT PRODUCE THEIR OWN SUPPLY OF VITAMIN C.

#2. ONLY ANIMALS THAT DON’T PRODUCE VITAMIN C ARE ABLE TO PRODUCE LPa. THAT’S HUMANS, APES, AND GUINEA PIGS

Turns out plaque is not really bad! It is produced as a protection mechanism by our bodies to protect us from bleeding out from damaged arteries, caused by a vitamin C deficiency and intrinsically low-level scurvy.

Collagen is required to keep our arteries flexible and strong. A vitamin C deficiency equals a collagen deficiency. Vitamin C – along with the amino acids Lysine and Proline – is essential for the formation of healthy collagen.

So, by taking Vitamin C with those amino acids regularly, we can keep our arteries flexible and strong and more importantly CLEAR. And remember blockages are reversible, as soon as we begin to take the Vitamin C formula, repair begins at the wall of the artery, and then as soon as the plaque is not required to plug the cracks is dissolves away harmlessly, reopening the blood flow.

The Basic Pauling Vitamin C Therapy Protocol
Vitamin C as ascorbic acid—not other forms such as buffered vitamin C or Ester C®:
3 gm daily in divided doses for prevention; 6-10 gm daily for therapeutic treatment, to bowel tolerance. If diarrhea occurs, decrease the dosage slightly.

Lysine: 2-3 gm daily for prevention; 5-6 gm for therapeutic treatment, and

Proline: 250-500 mg daily for prevention; 1 gm daily for therapeutic treatment.

The above is the basic Pauling formula and by sticking to the recommendations you will see results. Since I have been taking this formula for many years now, I decided to include it as one of our very first product offerings here at OptimaEarth Labs.

9 Free AI Tools Everyone Should Try!

Good article from Seedly on some of the AI tools we can use.
https://blog.seedly.sg/9-best-free-ai-tools-everyone-should-take-advantage-of/

A Singaporean’s Guide to Buying Your First Resale HDB Flat

A good article of buying resale HDB in Singapore by Rachel Yeo

Read This Before Using SRS to Save Tax – Part 1: How Does it Work?

 Another good post on SRS

Withdrawals

The “catch” of SRS is that withdrawals before retirement age are subject to a 5% penalty. The amounts withdrawn will also be taxed at the prevailing tax rate. This means that someone who withdraws S$10,000 will only get S$9,500, and the S$10,000 withdrawn is also added to their chargeable income and subject to income tax. SRS is after all meant to help individuals save for retirement, so withdrawals before that are highly discouraged.

Those who start withdrawing when they reach their statutory retirement age, however, can enjoy significant tax savings. Amounts withdrawn after one’s statutory retirement age is subject to lower tax as only 50% will be considered chargeable income.

You can also spread the withdrawals over a 10-year period to maximise your tax savings. The magic number to withdraw each year is S$40,000 a year because 50% of that amount is S$20,000, and assuming you have no other income during retirement, this amount is completely tax free. Given that our income tax structure is progressive, amounts higher than S$40,000 per year still make sense since the tax rates are relatively low at the first couple of brackets or so.

HOW TO WRITE EFFECTIVE EMAILS? By Peter Diamandis

 TIP 1: KEEP IT UNDER FIVE LINES

TIP 2: MAKE THE SUBJECT LINE UNIQUE, MEANINGFUL & EASILY SEARCHABLE

TIP 3: USE EASY-TO-READ FORMATTING!

TIP 4: PUT YOUR SPECIFIC ACTION REQUEST IN THE FIRST LINE

TIP 5: MAKE THE ASK REALLY, REALLY SIMPLE—SUCH THAT IT'S HARD FOR YOUR READER TO SAY "NO"