RT Santiment (@santimentfeed)🧵 Looking to buy low and sell high on an investment, but don't actually know what a "low" or "high" price level actually is? Introducing our fun sketch on using MVRV to find out. This is the 2nd in @santimentfeed's education video collection. Feedback is always welcomed! https://t.co/sPaPbniVBk ...

RT Henrick Johansson (@compliantvc)A European founder asked to meet up with meHis startup is only 7 years old but just hit €7,000 MRRIncredibly fast growthI applied for a meeting permit with the EU government to ask permission to meet him for coffee5 months later, the EU government gave the go-ahead and charged a €75 VAT feeWe finally met up yesterday and had an insightful, yet quick 4 hour coffee chat during business hoursI decided to invest €15k into his businessJust got word that it's the 4th-largest ven ...

With the S&P 500 Index breaking out to record highs, at least one firm is advising its clients to reduce exposure to US stocks and seek bargains abroad https://t.co/vi3O32DQMZ ...

Facebook, Spotify and Revolut investor Klaus Hommels says that his fund Lakestar has closed its door to external investors, and will invest from Hommels's own capital. https://t.co/XP7kJ7lLpX ...

🧵 Looking to buy low and sell high on an investment, but don't actually know what a "low" or "high" price level actually is? Introducing our fun sketch on using MVRV to find out. This is the 2nd in @santimentfeed's education video collection. Feedback is always welcomed! https://t.co/sPaPbniVBk ...

Some economists are urging Canadian Prime Minister Mark Carney to set clear economic and investment targets when his government delivers its upcoming budget. https://t.co/xqVq8q5Y4I ...

By embedding yield directly into payroll, Glim and OpenTrade are turning salaries into savings, and everyday earners into investors.This is 🔺doptionhttps://t.co/HNK2fA4YZv ...

Core Idea - Real wealth is defined as freedom, the power to live life on one's own terms, which requires making deliberate choices to avoid servitude [1] - Freedom is not freely given but built through discipline, effort, and consistent action [1][22] Building Blocks of Freedom - Discipline is crucial, defined as consistently choosing actions aligned with long-term goals, making one a "slave" to their standards and future self rather than to external forces [1][2] - Calculate a "freedom number" by forecasting the cost of one's dream life and building an investment portfolio to sustain it [3][4][5] - Savings form the foundation, requiring careful vetting of expenses to align with long-term goals [7][8] - Investments act as the walls, leveraging compound interest to grow wealth exponentially [9][10] - Consistency is the roof, protecting the house of freedom and sealing one's chosen life [18][19] Investment Strategies - Diversification is key, advocating for a mix of government bonds, shares, and mutual funds to mitigate risk [17][18] - Government bonds are presented as a safe investment option, citing an example of a 25-year bond at a 15% interest rate offered by the Bank of Tanzania [14] - Investing early significantly amplifies the power of compound interest, illustrated by examples showing substantial portfolio growth over time [11][12] Action Plan - Start with discipline in every choice [20] - Calculate the freedom number based on the desired lifestyle [20] - Save consistently and live below means [20] - Invest consistently to harness the power of compound interest [21]

Financial Data and Key Metrics Changes - Kinsale's operating earnings per share increased by 24% year-over-year, reaching $5.21 per share for the third quarter of 2025 compared to $4.20 in the same quarter of 2024 [5][10] - Gross written premium grew by 8.4% over the third quarter of 2024, while net earned premium increased by 17.8% due to higher retention levels upon renewal of the reinsurance program [6][8] - The combined ratio for the quarter was 74.9%, with net favorable prior year loss reserve development contributing 3.7 points [8] - Book value per share increased by 25.8% since year-end 2024, and float grew to $3 billion from $2.5 billion [6][9] Business Line Data and Key Metrics Changes - The commercial property division premium dropped by 8% in the third quarter compared to a 17% drop in the second quarter [6] - Excluding the commercial property division, the overall growth rate was 12.3% [6] - Submission growth was 6% for the quarter, down from 9% in the first quarter, primarily driven by the commercial property division [14] Market Data and Key Metrics Changes - E&S market conditions were steady and competitive, with growth rates varying by market segment [6] - The overall pricing trends in the commercial property market showed a 0.4% decrease, but an inflection point was noted where the rate of decline is abating [15][36] Company Strategy and Development Direction - Kinsale's disciplined underwriting and low-cost business model provide a competitive advantage, allowing the company to deliver competitive policy terms without compromising margins [6][7] - The company is focused on maintaining efficiency and leveraging technology to enhance productivity and reduce costs [24][83] - Kinsale is optimistic about growth opportunities across various segments, including transportation, agribusiness, and high-value homeowners [19][54] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's future, highlighting a strong team and a favorable competitive position [12] - The E&S market remains competitive, but the company anticipates stabilization in commercial property rates moving forward [15][36] - Management noted that while competition has increased, Kinsale's cost advantage and control over underwriting processes position it well for continued growth [62] Other Important Information - Management changes were announced, including Brian Haney's election to the Board of Directors and his transition to a Senior Advisor role [4] - The company is actively enhancing its technology capabilities, including the implementation of AI tools to drive automation [22][24] Q&A Session Summary Question: Future opportunities outside of commercial property - Management sees opportunities across the entire book, particularly in transportation, agribusiness, and high-value homeowners [19][20] Question: Technology innovations and implementation - Kinsale has made technology a core competency, with ongoing enhancements to its enterprise system and the use of AI tools [22][24] Question: Changes in assumptions for construction liability - No specific changes were noted, but management conducts quarterly reviews of loss reserves [27] Question: Growth opportunities in excess casualty segment - Rates are holding strong, with good opportunities for growth in the segment [29] Question: State E&S data and growth perceptions - Management advised caution in interpreting state data and emphasized the importance of looking at trends over time [47][48] Question: Changes in underwriting expenses with slowed premium growth - Management expects gradual declines in underwriting expenses through productivity gains [83] Question: Profit-sharing commissions for broker partners - Kinsale does not plan to change its compensation model, focusing on maintaining control over underwriting [38] Question: Rate stabilization in property market - Management noted that rates are stabilizing, with expectations for normalization in the near future [66][72]

South Korea and the US remain "sharply" divided over the cash portion of a $350 billion investment pledge https://t.co/WbvqgZ1D8x ...