Ram Joshi (@ramjoshionline) 's Twitter Profile
Ram Joshi

@ramjoshionline

Invest Smarter. Live Better. Create Wealth. | Market Insights & Personal Finance Learnings.

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calendar_today21-07-2022 18:51:20

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Five Types of Economic Moats: 1) Brand Loyalty: A powerful brand that customers trust and prefer (e.g., emotional attachment or prestige). 2) Cost Advantage: Lower production or operational costs that allow undercutting rivals. 3) Network Effects: A product or service that

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How to Spot a Moat When evaluating a company, ask yourself: 1) Does it have a unique advantage that competitors can’t easily copy? 2) Can it maintain high profitability even during economic downturns? 3) Are customers “locked in” through loyalty, habit, or high switching

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The focus of Indian civilization is always on the construction, and not the destruction. History says, Indians never initiated any war anywhere in the world. All the wars were fought on defending ourselves.

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Most people don’t go broke from one big mistake. They do it slowly, by not paying attention. That unnecessary online order, unused subscription, or eating out five times a week adds up. Awareness is step one.

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You don’t need a perfect plan to start growing. Just start. Read one page daily. Talk to people who think differently. Or try learning something new. Growth begins the moment you decide your time is better spent on learning than scrolling. 🚀🚀🚀

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Humans may aspire to unite at globe level, but at max they will be able to unite at country level, and that too in the time of crisis.

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The time-cost mindset Before you buy something expensive, ask yourself: “How many hours did I work to earn this?” It helps you spend smarter. This mindset builds better money habits - without needing any fancy budget app.

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We often wait for the “right time” - after exams, after marriage, after kids - to start something new. But growth doesn’t wait. The best time was yesterday. The next best time is today. Start small, stay consistent, and your future self will thank you.

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Every time you find yourself irritated or angry with someone, the one to look at is not that person but yourself. The question to ask is not, ‘What’s wrong with this person?’ but ‘What does this irritation tell me about myself?’