How crime benefits the economy and the elites.

Most people, from top to bottom say that crime shouldnt be there, it is not good for the society, not good for the numanity, nation etc., but this is not what the elites know it to be true. The only countries which truly wanted the crime to go away have done so because it is not good for the economy. So the crime is only bad when it is not helping the economy and the elites.

Singapore is a good example. The crime rate, especially theft carries a very discourageous punishment of upto 10 years of jail. Cameras everywhere. It is a small country, fueled by tech companies. Signapore is smaller than bengaluru, another tech hub city in india, it is the capital city of karnataka, a state in india. Other countries where the crime rate is very low are mostly middle eastern regions like dubai, saudi, tajikistan etc., where there is no democracy so the current parties cant blame the previous party or leader for the current conditions. They have natural resources and their source of income doesnt depend much on citizen's consumption and it works against them to have crime.

In democratic countries like USA, the crime is part of the economy. Theft ensures that people invest in security. Investment in security promotes growth in research and development, production, innovation, invention, manufacturing. These things promote employment generation. Crime also helps Law & Order economy which consists of police system, prison system, surveilance system, judiciary system. If  pharmaceutical companies cure something they lose out on the continuous business of healthcare because money is in the treatment and not in the cure, so it is in their best interest that they dont cure any diseases, ailments but keep making money in treating them where your condition will worsen or roll back if you stop the treatment. Same way it is in the best interest of all these government corporations like police system, judiciary system, private and govt prison system, surveillance system, intelligence system etc., to ensure that crime doesnt end, crime is controlled. Few years back there was a defund the police movement. Police then rightfully woke up and losened their grip on crime, now the same group of people are asking for more police force to protect them. This is often done by letting lose the habitual career criminals, psychotic criminals in the society. Many of these have been to prison multiple times on serious charges. Combine this with a racial angle where only the career criminals of a particular racial or religous background are let out in the society so that the stereotype of them being criminals is justified without having to spell it out. If there are 100 white career psychotic criminals, 50 black career psychotic criminals, then they keep letting the blacks out, give them lighter sentences in the name of social justice, going easy on the minorities etc., however the actual reason is to ensure that they commit more crime outside and the stereotype of blacks being criminals, theives, rapists and murderers, keeps getting solidiefied. Then there will be more money spent on rehabilitation of blacks, improving their opportunities, giving them reservations/quota in jobs etc., but this is mostly done to loot in their name. Most of it never reaches them, they never solve any of these problems exactly because of the example I gave about the healthcare industry. It is in their best interest to not cure any diseases to continue to make higher profit. In the same way, it is in the best interest of all these groups receiving a lot of funds to help a group of people of any race/religion/caste/gender etc., to not actually achieve their goal so that they keep getting paid. Those who are getting paid to solve the problem of homelessness in USA, it is in their best interest that they dont solve that problem, never reach their goal so that they keep getting paid. If homeless ends tomorrow, then govt doesnt have to pay these groups who are working on solving this problem, then these groups cannot give a kick back to the politicians who approve their funds. 

wealth/money/riches in hinduism is a female deity called laxmi. She is chanchal (fickle, unsteady, restless, inconstant, quivering, or moving) like mercury. She is like water. Flowing water in a river is cleaner, healtheir and nicer. A steay lake with no movement rots, smells and breeds diseases and slowly the lake dries up and dies. Same thing is true with economy. USA is rich because they consume a lot, their highest produce is waste. They produce highest per capita waste in the world. 

All these are very true in every democratic country whose GDP based economy depends on rotation, consumption. More roads, buildings, bridges are being built, better it is for the 'growth' of the economy but what if we build all the bridges, roads and every infrastructure that is needed and more? Well then the growth stops, country still stays prosperous, healthy and peaceful but the elites, the top 1% want growth. The investors who are investing in india want to see their money grow. So it is in the best interest of the govt to ensure that whatever they build, they fall apart very soon so that they can keep rebuilding these more often. Repeated engagement of labor, repeated usage and consumption of materials and something to show, brag or crib about in the election process.

Next time when you say  'why aren't they fixing it or improving it or solving this or these problems?' Then just ask yourself, whom does it benefit by not solving this problem?. Whom does the street dogs and rabies help? The pet industry and pharma industry. Whom does the crime, theft help? Everyone, especially the law & order industry and now you have to buy what you have lost, all these are good for the economy. 

40% CAGR in 1 minute per day

This is the system that I am currently using for more than a year and I thought I should document this here. Reddit just auto removes, no thanks to lot of spammers/scammers who do this on a regular basis.

1. Create a screener for X% CAGR so that it has not more than 30-40 stocks in it . Mine is set to 50%. It is market agnostic. Keep lowering your CAGR target or inreasing it, depending on how many are qualifieng your screener. Once it is set, dont keep modifieng it. Buy only 1 share of each stock. If there is a new stock which enters/qualifies this list, then you will get an email https://www.screener.in/screens/571258/50-over-5-years/ and you can buy only 1 share of that stock. 
2. Every day, go to your portfolio, sort them in a descending order based on overall lifetime % gain, so the top most performing is on the top and the others are at the bottom. Now buy 1 share from each stock of the top 10 from this sorted list. I call this TSIP - Topper's systematic investment plan. Thats it. This step 2 which you do everyday will take less than a minute.

Now your top most performers will have the most of your investment and bottom most performers will have the least of your investment. 

Optional - option hedging. (half a minute per day)

1. Pledge your holdings.
2. Buy a CSR (call spread ratio) everyday against an index for the current month's and week's expiry. 

The only way you can incur losses is if the market goes up by 2% every day, in that case, your pledged stocks too would have gone up so your underlying investment would have made so much that your loss in options would have no significance. If the market goes down, then the CSR will generate profit, If the market stays at the same place then too the CSR will generate profit.

 

Retirement (Generational wealth):

1. Buy a mutual fund which is performing as good or better than the index fund.
2. Invest a lumsump amount X in the MF
3. start a monthly SWP (systematic withdrawal plan) against this MF for 1% of the lumpsum/principal amount. If the principal amount was 100 INR then start a monthly SWP of 1 INR. 

This means, If your MF is growing at at-least 12%-15% a year then you are withdrawing only 12% a year, so your principle amount is always growing at a higher rate than your withdrawal via SWP. In a developing country like india, 20% a year in a largecap/flexicap; 30% for midcap, 40% for a smallcap isnt unheard of but you can be sure that they will collectively give atleast 20% a year on an average of about 5 years even if there was a market crash or unplanned world events like pandemic of 2020-21. This in gen z language is an infinite money glitch. You can pass this wealth setup to the next generation and every generation will have it bigger than the last one. Once in a 5 or 10 years you can readjust the SWP to the 1% of the principle value of the MF at that time to adjust your increased expenditure for inflation.

 

How do I choose my MFs? 

1. Sort all MFs based on their 10 year returns, select the top 1 from each segment (flexicap/largecap, midcap, smallcap)
2. skip any MFs from fund houses which don't have a good reputation.
3. I use https://www.valueresearchonline.com/funds/best-mutual-funds/?return-period=5Y&plan-type=2 this link, you can use whatever offers you this insight where you get to see a minimum of 10 year return, sort them based on their % return in a descending order.
4. The max investment per MF is equivalent to the 1KG 24k gold. Go back to the list and sort them based on % return for 10 years. Select the top 1 in each category (flexi/large, mid, small) and start adding lumpsum to these MFs untill you reach 1kg24k gold's worth of investment. Invest in all 3 in 1:1:1 ratio (equal amount). 

If you have more to invest then repeat the steps 1-4. If not all 3/3 or 2/3, at least 1/3 of the new MFs that you chose will be the same as the one that you already have, because those who have been on the top for a decade or more will usually continue to be on the top. 

What if the MF starts performing badly?

Your SWP will take care of it. If it is not gaining more than you are withdrawing then slowly your investment in that MF will become zero after some time.
What if the MF starts doing better than others?

If it is making a lot more than what you are withdrawing with SWP then it shall keep growing and when you want to invest more and go to the steps 1,2,3 it will still be on top of the list and hence qualify for a new lot of investment in it.
If you are not spending all the SWP amount you get per month, do not invest it back into the MFs, always wait for the extra unused money that you have is worth 1kg24k gold. When it does, use the 4 step procedure to choose 3 MFs  in 3 segments and distribute that new investment in 1:1:1 ratio with an SWP of 1% of the principle. So, you are only allowed to adjust the SWP once in 5 years or you make a new investment in it.

This 4 step method ensures that, 

1. your top performing MFs will always have more investment
2. your least performing MFs will not get more investment
3. If an MF is falling behind in pefromance, your SWP will ensure that you will get divested from it soon

investmennt areas

 

1/3rd of mine is pledged stocks where I generate some income with the said CSR strategy.

2/3rd is in MF. This is further divided into 1:1:1 amongst a flexicap, midcap, smallcap with a 1% SWP against each one of them.

No real estate, no houses, no farms, no restaurants, no businesses, no crypto, no nothing. In india, real estate scams are too many to count and our courts take decades to solve such things, can you fight in court against a real estate giant or fraud for a decade? I choose peace of mind over anything.

 

All together most of this setup is, setup once and forget it. I spend not more than a minute/day with investment or money. So this is how you spend a minute a day and sleep peacefully.

I have talked to too many authorised investment bankers, financial advisors, taken all the unsolicited calls from banks and nobody has been able to offer a better investment or retirement plan than this where one gets 40% CAGR and spends 1 minute a day to do it.

Disclaimer: This is how I do, It is no way an advice for you, I am neither authorised or qualified to be a financial adviser but this might act as a reference to you or if you have someone who is helping you with it, then you can discuss this with them. originally from cloudishes.com december 2024.

Update December 2025

I plan to udpate thie once a year, If there are any changes. In your retirement plan with monthly SWP, I now suggest 0.9% of the principle instead of 1% to be extra safe. 

 

Why doesnt this monitor exist?

Everyone with a pc, laptop or a mac has a monitor and they all end up buying so many accessories for just their monitor which arent fully connected to the pc which powers the monitor. What serious users of a monitor need

1. A screen light, which lights up the desk space in front of the monitor
   The monitor itself should not come with it but should have a power source at the back (something like magsafe or mag dock/plug) then buy their add on monitor light
2. An RGB backlight, which lights up the wall or back of the monitor, many a times syncs with the video on the monitor to give a good effect. This light is also many a times used to provide a diffused backlight, which hits the wall and then on the face of the streamer/gamer/user.
   This should allow to mount 4 light bars in all 4 directions at the back and it should have the power built into it
3. streaming/studio light - Another light at the back which we can lift up to point towards the user to provide diffused/studio lighting for the live streaming
4. A wifi network card, so that it can connect to the pc where all the other accessories connected to the pc can be managed. ex: IF pc/monitor goes to sleep/idle/hibernate/shutdown, rest of the lights, rgb etc., can follow that routine. 
5. An audio out - Which most of them have already
6. An input for webcam
7. An input for microphone
8. A USB type C 3.1 or thunderbolt from monitor to pc to transfer/connect all these to the pc. Basically every monitor should be a thunderbolt docking station, It just makes sense.

Hybristophilia: Is it an evolutionary safeguard?

The demon king hiranyakashipu had a child name Prahlada. Hiranyakashipa hated Vishnu, the O in GOD; The Operator. Prahlada was a staunch devotee of him. His father tortured his son for this and punished him daily. He wanted everyone to worship him instead, just like his subjects do. Vishnu takes the avatar of narshimha, the lion headed God. He kills the asura king but then his rages against  who were idolizing the asura king and worshipping him instead of GOD (Generator, Operator, Destroyer). Then Shiva the D in GOD, the Destroyer, creates rishabha, a crane to control Narasimha but fails. Shiv then creates aparajita (undefeated) from his third eye. She sits on the lap of Narasimha and absorbs all his anger and rage and calms him down. Where even the destroyer failed to subdue the of a god a woman did it with passion.

Bad men, violent men, anti-socials, they are sometimes seen as revolutionaries, have historically caused more death, pain, and suffering. It has been a strategy of the elites or those in power to send women to subdue their competition, keep them busy, or divert them from a path that threatens their position. This is seen often in Hindu scriptures, where suras (angels) send extremely magnetic women to seduce asuras (demons) who are pursuing power in a way that directly threatens the suras. Elites do this for their self-interest. But what about those in the rest of the 95% of the pyramid? If some or a few are threatening their existence and safety, who will send a woman to subdue them? God? Nature?

It seems this tendency is built into many if not all women. Women are often attracted to violent, antisocial, "bad boys," and toxic men. These are usually those women who are driven more by youth, hormones and emotion than by logic or rationality. Younger women, or those who have had less experience in courtship are more likely to fall for such men than women who are at the middle or end of their fertility. It is mostly girls who choose bad boys and toxic men. If and when these men become civilized and nice, women lose interest and move on to another target. What made them interesting, challenging and attractive was no longer there.

These women are like doctors, who move on to the next patient once they cure the current ones. So, the only way a patient can keep the doctor is to not get cured. If the doctor is very good, they will see that the symptoms are being faked; the doctor will slowly start disinvesting in the patient and moves on to the next one.

This attractiveness toward toxic partners is referred to as "hybristophilia”, a very frowned-upon behaviour. Many girls are heard complaining about how most men are pigs, toxic and all are the same. A condescending answer from many men is: "Why did you try so many men? You are the one choosing these toxic men, so maybe there is a problem with you." It is a heavily judged behaviour.

There is an African tribe where men with fat bellies are seen as the most attractive because that is a sign of abundance and women often choose abundance over other qualities. It is an evolutionary aspect of all animals to ensure the best conditions for offspring. Everywhere else, men with lower body fat percentages less than 20%, are typically preferred. If tomorrow, by some miracle, we made all human females unattracted to toxic, antisocial men, that would not stop such men from existing. These men exist not because they lack women in their life; it is their natural state of being. They will exist whether anybody wants them or not, often precisely because nobody wants them or nobody wants them to exist.

It seems as if evolution has ensured an antidote for it. Most of the time, just like a doctor treating a patient, these women who are attracted to toxic men are like flies attracted to a light bulb. They can’t help it. They will suffer, and many times perish too but by doing so, did they fulfil their evolutionary purpose?

 

The Ferrari vs. Toyota Dilemma: Is Gold Digging an Evolutionary Safeguard?"

It is said that some women would rather share a Ferrari than own a Toyota. Ferraris symbolize richness, power and clout but they are also hard to maintain, overpriced and impractical whereas Toyota vehicles are known for their reliability, cost-effectiveness, durability, and practicality. Various aspects of female mate choices such as hybristophilia, "bad boy" syndrome, Stockholm syndrome, and gold digging (the subject of this article) are often portrayed as signs of dysfunction.

Here, the word "rich" mainly represents material wealth, but it also implies a degree of power and competence. It takes a high level of competence and intelligence to gain, guard, and grow wealth. Therefore, being wealthy does not necessarily mean being rich, or vice versa. Many are rich due to family background or historical incidents like colonialism, but within three to five generations, most of the rich lose their riches, while the wealthy keep gaining, guarding, and growing theirs. I will use "gold" instead of money, as gold represents more than currency, and we will see that gold digging is about more than chasing money.

Gold digging should not be confused with monkey branching, though the terms are sometimes used interchangeably, they specify different approaches to the same goal. Gold digging is a partner selection strategy where the one with the most gold receives the highest priority (richness, power, wealth, etc.). Monkey branching is where you are using one partner as a temporary branch which you use to jump to a higher branch or a richer person. This prioritizes reproductive access for those with the most gold. Today this is frowned upon; the word itself is used as an insult, mostly toward women. It is seen as an unfair and immoral women choosing partners based on material wealth rather than character, intelligence, or values. If most or all women do this, then most men in a society will lack reproductive access. Men at bottom of the pyramid with little to lose will eventually revolt. No matter how powerful the elites are, numbers will overwhelm them.

Different cultures have developed different solutions. Islam limits a man to four wives at a time. He may also have mistresses but to provide & protect for many not only requires a lot of gold but also a lot of mental & physical space. When a wealthy man has more wives and children, wealth is redistributed more broadly. A polygamous society may achieve more wealth redistribution than any government policy. Also, higher access to courtship & marriage has been a great motivating factor for an individual’s productivity which in turn has promoted a society’s progress.

In Hinduism, during the era of kings, there was no limit on wives. The emperor Sri Krishnadevaraya’s queen managed his visits to his 12,000 wives where many of these women were sisters or daughters of martyred army officers, ensuring morale by guaranteeing care for their families. Others were daughters of rival kings, securing peace through marriage. Mormons, Christians, Jews, and most ancient societies ensured that those with the most gold had the greatest reproductive access. Except in Islam, these societies also tolerated prostitution, allowing the base of the pyramid, those holding up the rest of the pyramid, access to sex but not reproduction. This maintained a serving class without letting it grow large enough to overthrow the elite. So, majority of their power, energy, time, energy is spent to protect & provide for their big family.

Now consider modern Western-influenced monogamous societies. Take the top 0.1%. Elon Musk is among the richest, wealthiest, and most powerful of them. Due to monogamous laws, he can have only one wife at a time, but he has had multiple wives and partners, fathering many children. This grants many women accesses to his wealth and redistributes it more widely. Compare him to other ultra-wealthy bachelors like Sergey Brin or Lukas Walton, who have fewer or no children. Many of these powerful men are disconnected from 90–99% of humanity. They often operate on a zero-trust basis, constantly categorizing others as prey, predator, ally or foe. The only way to ensure such men work for humanity is to entangle them in family; more children, more in-laws, more partners. Without these ties, their drive for efficiency and improvement may bypass human welfare, potentially creating "supervillains." The most powerful need the most human connection. The top 1% are currently pursuing the ideas of replacing humans with robots, AGI, or ASI, or instituting social credit systems that centralize power. Absolute power corrupts absolutely.

Gold digging and polygamy ensure that those with the most gold and power remain social animals, not supervillains. More power raises the risk of corruption and if unchecked, it breeds tyranny. One must also consider the 80:20 rule observed in dating and matrimonial data: the top 80% of women (in attractiveness) are interested only in the top 20% of men. For dating, the parameter is physical attractiveness; for marriage, it is gold. The top 20% of wealthy men attract the top 80% of attractive women, and the top 20% of attractive men attract the top 80% of attractive women. For men, the bottom 20% are content with the bottom 80% of women. If polygamy were fully allowed, many men would remain unmatched. Prostitution might placate some, but many "incel" men could revolt, toppling the pyramid from its base. The top 1% who can afford to entertain more courtship aren’t getting as much as they can afford to. The bottom of the pyramid isn’t getting any because they aren’t in the top 20%, both end up supporting the idea of artificial wombs, sex robots as a means to solve the same problem.  More recent surveys have moved this scale to 95:5.

Different cultures, religions, and societies maintain balance through varied built-in solutions. No single system can solve this alone. When discontent arises, many may migrate to different religions, geographies, or cultures rather than overthrow the existing order. If there were only one system with no alternatives, it would break far sooner.

 

Marathon stock portfolio

 If you have not read my marathon FOF then do so.

1. Create a programmatic way to fetch a list of stocks based on the following parameters
1. top 100 by their market cap
2. then top 21 (or 10 or 5, depending on the size & risk factor of your capital) by their ROCE from that list of 100
2. Run this program/script everyday.

If any brokerage houses like zerodha or groww offesr such an option where one can programmatically have a system like this without having to write a custom program/code, then I am pretty sure it might end the mutual fund industry.

Marathon FOF

 You might have wondered what mutual fund or stock should I invest in? What parameters should I use? which one should I trust? Trust no one but math. I suck at math so I have a simple formula which avoids FOMO, JOMO, gossip traps and every other pitfall.

1. 10yr SMMA CAGR should be the only parameter while choosing a MF. Sort all the MFs (If you know a website which does it) in a descending order of 10yr CAGR. So you are choosing something which is been there for at least 10 years. Select
   
1. one flexicap
2. one midcap
3. one smallcap
4. one gold etf
5. one silver etf
   and invest a minimal but equal amount into these once. Alternatively you can just choose ETFs if you are worried about the fund house or the fund itself not performing well in future. largecap ETF, midcap etf, smallcap etf (india examples:mon100, midcap150, smallcap250).
   
   
2. Every month or whenever you have money to invest, go to your portfolio, sort them based on their returns and invest that amount into the top 1 or 2 performers. Leave the other 3 bottom performers. If you are doing this routinely, then you will end up investing more into high performers and very less in low performers. So it is your own personal marathon within your portfolio. The top 2 runners get the cookie (investment). It is like SIP but instead of investing in a fixed instrument like stock or MF, you are investing in the top 1 or tope 2 performers.
3. One can actually have this as an FOF offering for public.

Lossless Bank or Socialist communist bank ?!

 Most banks go bust because they have bad debts, they have bad NPI - Non Performing Assets. What if there is a bank whose only job is to keep your money safe and do not lend? Like many banks in switzerland. People even pay interest to such banks instead of getting paid an interest for their own money. Why should such a bank exist?

Most crony capitalist oligarchs use political influence to get loans and get write offs and bailout. In return these oligarchs pay some amount to the party and the policitian. It is idiotic to think that world works on merit. World is and has always worked on relationships, networking or favoratism. Meritocracy is the smoke screen built for the masses so that they can keep working like ants believing that hard work pays off. It never does. Mostly the networking, whom you know, leverages etc., decide the outcome of a person's existence.

The bottom of the pyramid, who are holding the pyramid, the mass which holds the castles of the elites on their shoulders dont have the financial education or knowledge of reality to save themselves from such oligarchs and banks. A bank which takes only deposits, do not engages in credit, loans, lending etc., but may be optionally invest 1/3rd of its liquidity in ETFs of gold, silver and top 5 mutual funds with consistant CAGR for 10 yr SMMA. So the bank has enough profit to maintain its functions. so it is a non profit bank which is there only to serve people.