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Linas Beliūnas

@linasbeliunas

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Connecting & deconstructing all things Finance + Technology. FinTech, Financial Technoloy, Web3, and AI constantly meets here on X & here👇

67k+ Finance/Tech ppl read →
Joined August 2020
Don't wanna be here? Send us removal request.
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@linasbeliunas
Linas Beliūnas
2 days
This is insane! Visa just brought in $4.3 billion in free cash flow on $8.8 billion in revenue implying a 49% FCF margin 😳 To put this into perspective: - Money-making machine Apple's FCF margin is currently around 31% - Oil giant Saudi Aramco's FCF margin for the full year…
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@linasbeliunas
Linas Beliūnas
5 months
Sergey Brin is worth $105 billion yet he was a core contributor on the Gemini AI technical paper, coding basically every day. Legend.
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@linasbeliunas
Linas Beliūnas
5 months
The man who has just redefined the AI landscape forever was just another middle manager doing Excel demos in 1993. Satya Nadella is one of the best if not the best tech CEOs of all time. Goat 🐐
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@linasbeliunas
Linas Beliūnas
5 months
Satya Nadella walking into Microsoft HQ today after making the biggest move in corporate history
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@linasbeliunas
Linas Beliūnas
1 year
Forbes is the Jim Cramer of Media. Never ceases to amaze me.
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@linasbeliunas
Linas Beliūnas
5 months
Just got access to Elon Musk's new AI chatbot Grok, and I must admit - this is the best AI model ever made 🤯 If this isn't AGI I don't know what is.
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@linasbeliunas
Linas Beliūnas
2 months
@buccocapital You can’t make this up lmao
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@linasbeliunas
Linas Beliūnas
1 year
Everyone's job after AutoGPT that runs on GPT-5:
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@linasbeliunas
Linas Beliūnas
1 year
Twitter Inc. no longer exists. It's now X Corp. This brings us one step closer to Elon Musk's vision for X, The Everything App. The most powerful FinTech company in the world has officially been started. 🧵
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@linasbeliunas
Linas Beliūnas
2 months
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@linasbeliunas
Linas Beliūnas
5 months
Just in March, Satya Nadella said that Google is an “800 pound gorilla” but Microsoft will make it dance. It’s Godzilla vs. Kong now, and Microsoft is playing the music. Phenomenal shift.
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@linasbeliunas
Linas Beliūnas
1 year
This is the CEO of OpenAI, one of the most powerful companies in the world right now. No Gucci belts or Rolexes. Just a regular outfit and casual sneakers. Tells a lot.
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@linasbeliunas
Linas Beliūnas
1 year
@0xgaut My friend was being paid $200k/year as a recruiter at Google and she was doing absolutely nothing. They asked her to attend weekly meetings. She quit on the spot. This is getting out of control.
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@linasbeliunas
Linas Beliūnas
3 years
#Bitcoin price milestones: Jan 2021: $40,000 (and rising)🚀 Jan 2021: $35,000 Jan 2021: $30,000 Dec 2020: $25,000 Dec 2020: $20,000 Dec 2017: $15,000 Nov 2017: $10,000 Oct 2017: $5,000 Nov 2013: $1,000 Apr 2013: $100 Jun 2011: $10 Feb 2011: $1
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@linasbeliunas
Linas Beliūnas
9 months
@JonErlichman The Everything App is getting more interesting every day 🚀
@linasbeliunas
Linas Beliūnas
1 year
Twitter Inc. no longer exists. It's now X Corp. This brings us one step closer to Elon Musk's vision for X, The Everything App. The most powerful FinTech company in the world has officially been started. 🧵
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@linasbeliunas
Linas Beliūnas
4 months
OpenAI CEO Sam Altman is not only one of the most powerful people in the world right now. He's also one of the best angel investors and entrepreneurs. Let's dive in:
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@linasbeliunas
Linas Beliūnas
11 months
@tomwarren Soon 🔜
@linasbeliunas
Linas Beliūnas
11 months
Apple Vision Pro in a nutshell 😂
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@linasbeliunas
Linas Beliūnas
1 year
@FreezingFinTake Glad this went viral but RT would be cool 🙏🏼
@linasbeliunas
Linas Beliūnas
1 year
Forbes is the Jim Cramer of Media. Never ceases to amaze me.
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@linasbeliunas
Linas Beliūnas
24 days
Ryan Reynolds is the GOD of entrepreneurship: - Nuvei he backed in 2023 just got sold to Advent International for $6.3 billion - A year ago he sold Mint Mobile to T-Mobile for $1.35 billion - In 2020 he sold Aviation Gin for $610 million - He bought Wrexham F.C. for $2.5M (now…
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@linasbeliunas
Linas Beliūnas
3 years
At the end of 2020, @coinbase has filed for an IPO with an expected listing in early 2021. If successful, it could be another pivotal move for the cryptocurrency market that could easily put Coinbase at least at a $50 billion valuation. A thread (long one)👇🏼👇🏼👇🏼
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@linasbeliunas
Linas Beliūnas
1 year
This is absolutely insane 🤯 You can build fully functional apps with just your voice. All powered by GPT-4. The future is going to be wild.
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@linasbeliunas
Linas Beliūnas
3 years
Oliver Daemen just became the youngest person ever to go to space. He spent $28M for 3 min trip. Here’s how he did it: 1. Wakes up every morning at 5AM 2. Cold shower 3. 30 min of cardio 4. Meditation 5. Full breakfast 6. Dad owns a hedge fund 7. Journals his day Legend.
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@linasbeliunas
Linas Beliūnas
3 months
Apple Vision Pro + Microsoft Excel is going to be a game changer. Pivot tables will never be the same.
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@linasbeliunas
Linas Beliūnas
5 months
That was fast! Sam is returning to OpenAI as CEO. Wednesday morning be like:
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@linasbeliunas
Linas Beliūnas
11 months
Apple Vision Pro in a nutshell 😂
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@linasbeliunas
Linas Beliūnas
2 months
@VCBrags Agreed. VCs have a very tough schedule
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@linasbeliunas
Linas Beliūnas
3 years
I’m excited to announce that starting today I’m launching a daily newsletter on all things where Finance meets Technology. Delivered every morning, it will be the only newsletter you need to keep a pulse, and most importantly - make sense, on FinTech. *** read on ***
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@linasbeliunas
Linas Beliūnas
8 months
@anammostarac The fam is proud 👌🏼
@linasbeliunas
Linas Beliūnas
1 year
Forbes is the Jim Cramer of Media. Never ceases to amaze me.
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@linasbeliunas
Linas Beliūnas
3 months
Sam Altman, who’s currently raising $7 trillion for OpenAI: "Surround yourself with people who will make you more ambitious” So based.
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@linasbeliunas
Linas Beliūnas
1 year
Meanwhile on LinkedIn...
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@linasbeliunas
Linas Beliūnas
10 months
@anothercohen Forbes never miss
@linasbeliunas
Linas Beliūnas
1 year
Forbes is the Jim Cramer of Media. Never ceases to amaze me.
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@linasbeliunas
Linas Beliūnas
1 year
Apple is the only Big Tech that hasn’t done any layoffs. The secret is very simple - they were hiring responsibly. 5 fascinating charts to explain this 🧵
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@linasbeliunas
Linas Beliūnas
2 months
Jensen Huang walking into NVIDIA $NVDA HQ tomorrow after singlehandedly carrying the entire stock market to another quarter
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@linasbeliunas
Linas Beliūnas
1 year
Elon Musk just killed Twitter. A filing in the Southern District of Florida shows that Twitter Inc. has been merged with X Corp. and now Twitter as we know it no longer exists. The new phase of Twitter will be X Corp., which will run on a vision laid out more than 20 years ago
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@linasbeliunas
Linas Beliūnas
5 months
Uber has no cars. Airbnb has no houses. Millennials have no homes. Web3 has more VCs than users. OpenAI has no open source. Google has no AI. This is the new economy.
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@linasbeliunas
Linas Beliūnas
1 year
With 238 million users, the social media giant could definitely be transformed into an app that does everything. Not only it could become the first Super App of the West. More importantly, Twitter can become the Super App PayPal, Klarna, and Revolut always dreamed of.
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@linasbeliunas
Linas Beliūnas
8 months
They call him 007. 0 returns 0 alpha 7 SPACs. Always in the arena trying stuff.
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@linasbeliunas
Linas Beliūnas
1 year
Everything goes back to the days of X dot com, an online bank Elon Musk co-founded with Harris Ficker, Christopher Payne, and Ed Ho in 1999. The company later became PayPal, which today is one of the biggest and most important payment companies in the world.
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@linasbeliunas
Linas Beliūnas
2 months
@burkov Sergey came back for nothing
@linasbeliunas
Linas Beliūnas
5 months
Sergey Brin is worth $105 billion yet he was a core contributor on the Gemini AI technical paper, coding basically every day. Legend.
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@linasbeliunas
Linas Beliūnas
9 months
@JonErlichman The journey is just getting started 👀
@linasbeliunas
Linas Beliūnas
1 year
Twitter Inc. no longer exists. It's now X Corp. This brings us one step closer to Elon Musk's vision for X, The Everything App. The most powerful FinTech company in the world has officially been started. 🧵
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@linasbeliunas
Linas Beliūnas
1 year
SEC charges Frank founder and CEO Charlie Javice in $175 million fraud. Forbes is the Jim Cramer of Media.
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@linasbeliunas
Linas Beliūnas
15 days
@linasbeliunas
Linas Beliūnas
1 year
Forbes is the Jim Cramer of Media. Never ceases to amaze me.
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@linasbeliunas
Linas Beliūnas
11 months
This is Jeff Bezos at his office desk in 1999. The desk was made out of an old door. All he needed was this and $300,000 from his parents to create one of the biggest companies in the world. Moral of the story: choose your parents wisely.
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@linasbeliunas
Linas Beliūnas
1 year
Steve Jobs never sold courses about marketing or storytelling while Warren Buffett never offered to teach you how to be a good investor. Most people that have courses to sell are making money primarily from those courses. Not because they are masters in their craft.
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@linasbeliunas
Linas Beliūnas
1 year
WeChat, the gold standard of Super Apps, today has 1 billion users and brings together social networking, payments, e-commerce, games, news, events, shopping, etc. all in one place. And it started as a messaging app. Just like Twitter.
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@linasbeliunas
Linas Beliūnas
6 months
In a single week: - Sam Bankman-Fried found guilty on all 7 charges, faces up to 115 years in prison. - WeWork filed for bankruptcy marking one of the biggest startup failures of all time. Forbes never disappoints. It's the Jim Cramer of Media.
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@linasbeliunas
Linas Beliūnas
3 years
Africa is the next BIG thing. Few understand that.
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@linasbeliunas
Linas Beliūnas
5 months
Microsoft Board meeting today after Satya Nadella acquired $80 billion AI company for free
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@linasbeliunas
Linas Beliūnas
1 year
One year passed, still accurate 😬 h/t @litcapital
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@linasbeliunas
Linas Beliūnas
5 months
@DVRichardson True. He’s also the peak technical founder.
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@linasbeliunas
Linas Beliūnas
1 year
The transformation Twitter is undergoing right now will be super difficult and with no guaranteed chances of success. But one thing is clear: We're witnessing the beginning of the most powerful FinTech company in the world.
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@linasbeliunas
Linas Beliūnas
1 year
That's why @elonmusk bought Twitter in Oct 2022 & described his acquisition as "an accelerant to creating X, the everything app". A month later, Musk said he will execute the X product plan "with some improvements" which will make Twitter "the most valuable FinServ in the world
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@linasbeliunas
Linas Beliūnas
9 months
This is huge! Apple is building its own AI chatbot called Apple GPT. With 1.5 billion active iPhones, Apple can change the LLM landscape overnight. Here's all you need to know:
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@linasbeliunas
Linas Beliūnas
5 months
The OpenAI drama is a perfect reminder of this truth:
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@linasbeliunas
Linas Beliūnas
3 months
Be like Adam Neumann: - Take $16B from Softbank to create WeWork - Inflate it to a $47B valuation while loading it up with an unsustainable debt burden & chasing growth. - Steal from the company by registering company assets in your own name and make up creative accounting terms…
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@linasbeliunas
Linas Beliūnas
1 year
This is Giannis Antetokounmpo. The two-time MVP and NBA champion is a better risk manager than 99% of bankers. The Bucks start opened bank accounts with 50 different banks - each one of them holding $250,000. Giannis FDICinsuredokounmpo should start teaching masterclasses on…
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@linasbeliunas
Linas Beliūnas
1 year
“AI will replace customer support agents & take all their jobs”. AI:
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@linasbeliunas
Linas Beliūnas
4 months
Apple Vision Pro in a nutshell: Apple Pay Later will explode in 2024.
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@linasbeliunas
Linas Beliūnas
2 months
Jensen Huang, the founder & CEO of Nvidia, is worth $70 billion and he's still doing his own shopping 😳 This picture was taken on Taipei's night market in late May 2023 as Nvidia's market cap reached $1 trillion. The crazy part? A day before, NVIDIA recorded the biggest…
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@linasbeliunas
Linas Beliūnas
1 year
BuzzFeed laid off 12% of the staff and will use ChatGPT to create content. The stock is up almost 200% today. AI is literally eating the world.
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@linasbeliunas
Linas Beliūnas
1 year
The only way to prevent AI taking over is by making sure it doesn’t have the right information. Someone has been teaching chatgpt that 2+2=5 every day Thank you for your service 🫡
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@linasbeliunas
Linas Beliūnas
4 years
1/ This week in 1958, Visa was founded. It marked the birth of the credit card business. On 18 September 1958, @BankofAmerica (BoA) officially launched its first 60,000 credit cards in Fresno, California.
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@linasbeliunas
Linas Beliūnas
10 days
@alexisohanian @Humane @MKBHD I understand where you’re coming from but I respectfully have to disagree. We shouldn’t support or praise anything just because “they are building something”, “hardware is hard”, etc. If it’s a bad product, it’s a bad product. Period. Judge the outcome not the effort.
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@linasbeliunas
Linas Beliūnas
1 year
If UBS acquires Credit Suisse, it will become USB-C. The new standard for the banking industry will be born.
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@linasbeliunas
Linas Beliūnas
3 months
@verge Game changer
@linasbeliunas
Linas Beliūnas
3 months
Apple Vision Pro + Microsoft Excel is going to be a game changer. Pivot tables will never be the same.
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@linasbeliunas
Linas Beliūnas
2 years
@polak_jasper Leaving nothing to chance. One slide at a time:
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@linasbeliunas
Linas Beliūnas
2 months
@VCBrags Trying to make LinkedIn as useful as possible 🫡
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@linasbeliunas
Linas Beliūnas
3 months
Neuralink in a nutshell
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@linasbeliunas
Linas Beliūnas
1 month
Satya Nadella is a wartime CEO making Microsoft a dominant force in AI. While everyone's learning to play checkers, Satya is playing 6D chess. What a goat 🐐
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@linasbeliunas
Linas Beliūnas
8 months
@0xgaut Steve Jobs’ daughter is disappointed as well. (sent from an iPhone)
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@linasbeliunas
Linas Beliūnas
9 months
Your gentle reminder that nobody knows anything:
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@linasbeliunas
Linas Beliūnas
9 months
@CultureCrave This will be huge
@linasbeliunas
Linas Beliūnas
1 year
Twitter Inc. no longer exists. It's now X Corp. This brings us one step closer to Elon Musk's vision for X, The Everything App. The most powerful FinTech company in the world has officially been started. 🧵
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@linasbeliunas
Linas Beliūnas
2 months
Elon Musk acquired Twitter for $44 billion. If he’d bought Nvidia $NVDA stock instead he would now have $181 billion. It would have almost doubled his current net worth making him reach a whopping $376 billion. Let that sink in.
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@linasbeliunas
Linas Beliūnas
4 months
@AravSrinivas Yup, Yahoo is one of the biggest fumbles in the history of capitalism
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@linasbeliunas
Linas Beliūnas
1 year
One of the most beautiful and impactful visuals I've come across as of late. The level of tech innovation is directly proportional to the amount of distraction.
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@linasbeliunas
Linas Beliūnas
4 months
OpenAl is launching its GPT Store next week. Users will be able to create and sell their own GPTs for profit. Despite all the hype, it WON'T BE the Apple App Store moment for Al. Here's why:
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@linasbeliunas
Linas Beliūnas
2 years
@GergelyOrosz It was the year of 2024 when VCs finally realized that the purpose of a business is to make money. In the next 2 years we had flying cars while by 2030 the climate change was reversed.
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@linasbeliunas
Linas Beliūnas
11 months
@linasbeliunas
Linas Beliūnas
11 months
Apple Vision Pro in a nutshell 😂
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@linasbeliunas
Linas Beliūnas
6 months
@paulg If we cannot trust actual CEOs, who are we going to trust…
@linasbeliunas
Linas Beliūnas
6 months
In a single week: - Sam Bankman-Fried found guilty on all 7 charges, faces up to 115 years in prison. - WeWork filed for bankruptcy marking one of the biggest startup failures of all time. Forbes never disappoints. It's the Jim Cramer of Media.
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@linasbeliunas
Linas Beliūnas
3 years
Want free @Starbucks for life? Here’s how to get it in 3 simple steps: 1. Buy 200 shares of $SBUX 2. Receive $360 in dividends every year 3. Spend $30/month on coffee Your welcome ☕️
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@linasbeliunas
Linas Beliūnas
1 year
This is one of SVB’s wine vaults🍷 How you can fail with all these liquid assets??
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@linasbeliunas
Linas Beliūnas
5 months
The Sam Effect: Microsoft market cap when OpenAI fired Sam Altman: $2.435 trillion. Microsoft market cap when they hired @sama (today): $2.8 trillion. In other words, that’s ~4x OpenAIs 🤯 People are the most important asset the company has.
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@linasbeliunas
Linas Beliūnas
3 months
@andykreed Massive
@linasbeliunas
Linas Beliūnas
3 months
Apple Vision Pro + Microsoft Excel is going to be a game changer. Pivot tables will never be the same.
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@linasbeliunas
Linas Beliūnas
1 year
@aakashg0 LinkedIn employs ~20,000 people. 700 is 3.5%. This is anything but brutal.
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@linasbeliunas
Linas Beliūnas
7 months
@APompliano Here's something to put things into perspective:
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@linasbeliunas
Linas Beliūnas
3 years
Money is valuable as long as people believe in it. Right now, people are believing in #Bitcoin and/or in its rising price, hence, buying more/continuing to HODL.
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@linasbeliunas
Linas Beliūnas
5 months
Unpopular opinion: Apple Maps > Google Maps. Steve would be proud.
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@linasbeliunas
Linas Beliūnas
1 month
Italy's Trevi Fountain is more profitable than: - Lyft - Reddit - OpenAI - Lucid Motors Combined.
@historyinmemes
Historic Vids
1 month
Tourists throw over €1 million into Italy's Trevi Fountain each year.
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@linasbeliunas
Linas Beliūnas
11 months
Steve Ballmer promoting Windows 1.0 is still epic😎
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@linasbeliunas
Linas Beliūnas
1 year
7/ As @paulg once well said: “My default advice about hiring is to hire someone if and only if the lack of that person is the main thing holding back your growth”. Many are now learning this the hard way.
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@linasbeliunas
Linas Beliūnas
3 years
By 2025, half of the world’s population will live in Africa. Africa is massive. And it's the next big thing. I'm still amazed how few people get it...
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@linasbeliunas
Linas Beliūnas
1 year
Satya Nadella is basically at war with everyone. It all started with OpenAI and Bing challenging Google Search. By integrating GPT-4 into Microsoft Office, it went head-to-head against at least 100 of productivity startups. Now Microsoft plans its mobile games app store to…
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@linasbeliunas
Linas Beliūnas
2 months
@matt_gray_ So which one is it - Saudi Arabia or Dubai? Or this is irrelevant given the country of the future should have cities of the future too? 🤔 Confusing.
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@linasbeliunas
Linas Beliūnas
11 months
Apple's AirPods business is simply insane 🤯 2016: Apple launches the AirPods 🎧 2017: Apple sells 16 million AirPods 🎉 2018: Apple sells 35 million AirPods 🥂 2019: Apple sells 60 million AirPods 📈 2020: Apple sells 75 million AirPods🔥 2021: Apple sells 85 million AirPods💥…
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@linasbeliunas
Linas Beliūnas
2 years
Finally met the FinTech legend
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@linasbeliunas
Linas Beliūnas
1 year
Despite the merger, Elon's sentiment for X always remained, and now might be the best time to make it happen. But on a much bigger scale.
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@linasbeliunas
Linas Beliūnas
3 years
Credit card borrowing in the US fell to the lowest level in 4 years. Apart from the pandemic, has BNPL played a role here? Any thoughts? 🤔
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@linasbeliunas
Linas Beliūnas
2 months
@packyM @elonmusk Fortune loves irony
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@linasbeliunas
Linas Beliūnas
1 year
Unpopular opinion: people who are really successful and wealthy don’t sell courses on how to become successful & wealthy.
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