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Systematic Withdrawal Plan (SWP) in Mutual Funds| How does it Works?
Invest in SWP in Mutual Fund: A Systematic Withdrawal Plan is a financial strategy that allows investors to withdraw a fixed amount of money from their mutual fund investments at regular intervals, such as monthly, quarterly, or annually.
A Systematic Withdrawal Plan (SWP) in Mutual Fund is a method by which investors can withdraw a fixed or variable amount of money from their mutual fund investments at regular intervals. Unlike a Systematic Investment Plan (SIP), where an investor puts in a fixed amount of money periodically to build a corpus, SWP allows for the opposite, i.e., systematic withdrawal of funds from the corpus. This can be particularly beneficial for retirees or those needing regular income. SWP ensures a steady cash flow by redeeming units from the mutual fund investment. The withdrawn amount can be customised based on the investor’s financial needs and it can be set to occur monthly, quarterly, semi-annually, or annually. The main advantage of SWP is that it allows investors to enjoy the benefits of their accumulated investments while potentially still earning returns on the remaining corpus.
Let us consider the following example to understand how the SWP works.
Consider Mr. A who invests Rs. 10,000 per month through SIP in an equity mutual fund for 5 years (60 months). After 5 years, the investor starts a SWP of Rs. 5,000 per month.
Assumptions
Monthly SIP — Rs. 10,000
SIP Duration — 5 years (60 months)
Annual Return — 12%
Monthly Return — 1% (12% annual return /12 months)
#Invest in SWP in Mutual Fund#What is systematic withdrawal plan#How does SWP work#What are the types of SWP#benefits of systematic withdrawal plan#How to calculate systematic withdrawal plan in mutual fund
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We don’t have time for factions and you’re being exhausting and elitist.
DSA, RCA, RCP, CPUSA, FRSO, WWP, PSL, SEP, SA, FSP… and oh my GOD does the list go on. I’m pissed off since starting to engage in a party that there’s what seem to be a million NEARLY IDENTICAL ALTERNATIVES.
Jesus Christ, and don’t get me started on the conversations of “you should leave your party and join ours” (I’m actually calling you out you SWP Trotsky shits, for not wanting any semblance of unity and care just about sniping members from other leftist organizations).
WHY ARE YOUR PARTY LEADERS AND MEMBERS NOT TRYING TO WORK WITH ONE ANOTHER. THERE IS NO ACTUAL LEFT LEANING PARTY IN THE UNITED STATES AND ALL YOU CARE ABOUT IS HOW TO INTERPRET LIKE A SINGLE LINE OF KAPITAL OR WHAT MAO MEANT THAT ONE TIME IN THE 60s.
So fellow commie pieces of shit, talk to your leaders and members and ENCOURAGE COLLABORATING AND MERGING WITH EACH OTHER. Stop acting superior because you are(nt) an ML, or that you hyper focus on Maoism, or some specific ideology (GUESS WHAT THIS ALSO INCLUDES ANARCHISTS)
IF YOU AND/OR YOUR PARTY DOES NOT WORK WITH OTHER PARTIES, YOU NEED TO REEVALUATE YOUR IDEOLOGIES BECAUSE YOURE THE PROBLEM.
#communism#dsa#rca#rcp#CPUSA#frso#wwp#psl#sep#sa#fsp#anarchism#politics#democratic socialists of america#socialism#unity#workers rights#workers party#Marxism#ML#Maoism#marxism leninism
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Retirement Planning Advisor in Delhi – Your Guide to Stress-Free Golden Years
Retirement is one of the most important milestones in life. It’s not just the end of a career; it’s the beginning of a phase where time becomes yours again—free of work obligations, but hopefully not financial worries. The key to enjoying this phase fully lies in one thing: retirement planning.
In a bustling and often expensive city like Delhi, retirement planning requires more than just savings. It demands strategic investments, smart tax planning, inflation control, and a safety net for health expenses. That’s why more and more individuals and families are seeking help from a retirement financial advisor to secure their future.
Why Retirement Planning is Crucial Today
People are living longer than ever before. Thanks to medical advances and healthier lifestyles, retirement today may last 25–30 years or more. That means your retirement fund must be able to support you—without active income—for decades.
Here’s why working with a retirement planning advisor in Delhi is more relevant than ever:
Rising cost of living in Delhi NCR
Healthcare inflation and unpredictable medical costs
Lack of employer pensions for private-sector employees
Inadequate EPF or PPF savings for most people
Need for smart, inflation-beating investments
Tax-efficient income planning post-retirement
Without a clear strategy, many retirees either outlive their savings or struggle with a lower lifestyle than they planned for.
What Does a Retirement Financial Advisor Do?
A retirement financial advisor helps you build a roadmap for financial freedom in your retirement years. Their role goes beyond just suggesting savings tools—they help design your entire future.
Here’s what a typical plan involves:
🧾 1. Retirement Corpus Estimation
Based on your desired retirement age, current savings, expected lifestyle, and inflation rate, the advisor estimates how much you’ll need to live comfortably.
💰 2. Asset Allocation Strategy
You’ll need the right balance of growth (equity), safety (debt), and liquidity. Your advisor creates a customized mix that aligns with your age, income, and risk profile.
📈 3. Investment Planning
Mutual funds, NPS, fixed deposits, annuities, senior citizen savings schemes, and more—the advisor selects the right products to help your money grow.
🏥 4. Health & Insurance Planning
Medical emergencies can wipe out savings. Your advisor ensures you have sufficient health cover and suggests critical illness or long-term care plans where needed.
💳 5. Post-Retirement Income Strategy
Even after retirement, you’ll need regular income. The advisor helps you structure your funds into SWPs (Systematic Withdrawal Plans), annuities, or dividend plans.
🧾 6. Tax Planning
Tax doesn’t stop after retirement. A smart advisor will show you how to earn more with lesser tax liability using senior citizen exemptions, investment tools, and rebates.
Benefits of a Retirement Planning Advisor in Delhi
Here’s why hiring a retirement planning advisor in Delhi specifically makes a significant difference:
✅ Local Expertise
Delhi has its own cost structure, healthcare systems, real estate values, and tax consultants. A local advisor understands these nuances and plans accordingly.
✅ Accessibility
You can meet in person, build a rapport, and have your documents reviewed face-to-face. If you ever need to revisit the plan urgently, help is close.
✅ Integrated Services
Advisors in Delhi like Money Centric often provide related services—like tax filing, health insurance, and estate planning—making your journey easier and more holistic.
When Should You Start Planning for Retirement?
The short answer: Now.
The earlier you start, the more time your money has to grow. Even if you’re in your 30s, a small but consistent investment can create a large retirement corpus thanks to compounding. However, even if you're in your 40s or 50s, it’s never too late to plan smartly with expert help.
A skilled retirement financial advisor will make the best of your current situation, helping you avoid panic-driven investments and build a strong foundation.
Common Mistakes to Avoid While Planning Retirement
Most people fall into one or more of these traps:
Underestimating future expenses
Ignoring inflation
Relying only on EPF or PPF
Not accounting for medical costs
Putting too much in real estate
Starting investments too late
Having no strategy for post-retirement income
A retirement planning advisor in Delhi ensures you avoid these mistakes with data-driven advice and continuous support.
Real-Life Example: How a Retirement Advisor Changed the Game
Mr. Sharma, a 48-year-old professional in South Delhi, approached us at Money Centric with some investments in FDs, PPF, and real estate. He had no clarity on how much he'd need after retirement or how his current investments would support his lifestyle.
Here’s what we did:
Calculated his post-retirement expenses
Advised a SIP in balanced mutual funds for 10 years
Suggested a term plan and a comprehensive health policy
Created a withdrawal plan from his real estate sale
Helped him invest in annuities for post-retirement stability
Today, Mr. Sharma is 58, semi-retired, and financially secure.
Why Choose Money Centric as Your Retirement Advisor?
At Money Centric, we offer end-to-end retirement planning built around your real life—not just numbers. We’re not tied to any specific product or fund, so our advice is completely unbiased.
We Offer:
Retirement corpus calculation
SIP and investment planning
NPS guidance and annuity advice
Health insurance & critical illness cover
Estate and legacy planning
Tax optimization for retirees
Post-retirement income mapping
Whether you want in-person consultations or prefer digital updates, we stay by your side throughout the journey.
FAQs – Retirement Planning in Delhi
❓ How much should I save monthly for retirement?
It depends on your age, income, and retirement goals. A retirement financial advisor can calculate this with precision.
❓ What’s better for retirement—NPS or mutual funds?
Both have their place. Mutual funds offer growth, NPS provides structure and tax benefits. A combination often works best.
❓ Is it too late to start planning at 50?
Not at all. With the right strategy, even a late start can ensure a secure retirement.
Summary
Retirement doesn’t happen overnight—it’s built step by step, with planning, patience, and precision. In a city like Delhi, where financial responsibilities are high and time flies quickly, working with a reliable retirement planning advisor in Delhi ensures you retire with comfort, dignity, and confidence.
Whether you’re just starting or already close to retirement, Money Centric is here to guide you every step of the way.
#ca in delhi#retirement financial advisor#retirement planning advisor in delhi#retirement planning advisor
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Best Swiss Water Decaf Coffee – A Complete Guide to the Smoothest Decaf Experience
What is Swiss Water Decaf Coffee?
Swiss Water Decaf Coffee is a premium decaffeination process that removes caffeine while preserving the coffee’s natural flavors. Unlike traditional chemical-based decaffeination, the Swiss Water Process (SWP) relies on a unique combination of water, temperature, and time to extract caffeine from coffee beans without affecting their quality.
Why Choose Swiss Water Decaf Coffee?
Many coffee lovers prefer Swiss Water Decaf Coffee over other decaffeination methods because:
100% Chemical-Free: No artificial solvents like methylene chloride or ethyl acetate.
Retains Flavor & Aroma: The original taste profile remains intact.
Sustainably Sourced: Often made from ethically sourced, organic coffee beans.
Healthier Choice: Ideal for those sensitive to caffeine but still want to enjoy coffee.
How Does the Swiss Water Process Work?
The Swiss Water Decaf Method is a fascinating, multi-step process designed to remove caffeine while maintaining the coffee’s rich taste:
Green Coffee Beans Soak in Pure Water — The beans are initially soaked in hot water to open their pores and allow the caffeine to be extracted.
Green Coffee Extract (GCE) Creation — The water containing caffeine is passed through activated carbon filters that trap caffeine molecules.
Decaffeination Without Chemicals — The caffeine-free extract is then reintroduced to new batches of beans, ensuring that flavors are retained while caffeine is removed.
Drying and Packaging — The beans are dried, tested for caffeine content (99.9% caffeine-free), and then packaged for roasting.
This method ensures a flavorful and balanced cup of coffee without the use of chemicals, making it the preferred choice for health-conscious consumers.
Top 5 Best Swiss Water Decaf Coffee Brands
1. Kicking Horse Coffee — Decaf
Origin: Central & South America
Roast Level: Dark Roast
Flavor Profile: Deep chocolate, roasted hazelnuts, and a hint of cocoa
Why We Love It: This bold and rich coffee delivers an espresso-like experience without caffeine.
2. Volcanica Coffee — House Blend Decaf
Origin: Various regions
Roast Level: Medium Roast
Flavor Profile: Smooth caramel, citrus notes, and a subtle nuttiness
Why We Love It: Perfect for those who enjoy a balanced, aromatic cup with natural sweetness.
3. Lifeboost Coffee — Organic Swiss Water Decaf
Origin: Nicaragua
Roast Level: Medium Roast
Flavor Profile: Mild citrus, cocoa, and hints of vanilla
Why We Love It: 100% organic, low-acid, and great for sensitive stomachs.
4. Cafe Don Pablo — Colombian Decaf
Origin: Colombia
Roast Level: Medium-Dark Roast
Flavor Profile: Rich chocolate, mild nutty tones, and full-bodied
Why We Love It: This coffee retains a bold, smooth taste perfect for espresso and lattes.
5. Peet’s Coffee — Decaf Major Dickason’s Blend
Origin: Blend of global beans
Roast Level: Dark Roast
Flavor Profile: Deep smoky notes, earthy richness, and dark chocolate
Why We Love It: Ideal for those who enjoy robust, complex flavors without caffeine.
How to Brew the Perfect Cup of Swiss Water Decaf Coffee
To enjoy the best Swiss Water Decaf Coffee, follow these expert brewing tips:
1. Choose the Right Grind Size
Espresso: Fine grind
Drip Coffee Maker: Medium grind
French Press: Coarse grind
2. Use Freshly Filtered Water
Water quality significantly affects coffee taste. Always use filtered or spring water for the best flavor.
3. Perfect Brewing Temperatures
Ideal Range: 195°F — 205°F
Avoid boiling water, as it can burn the coffee and alter its taste.
4. Correct Coffee-to-Water Ratio
Standard Ratio: 1:16 (1 gram of coffee per 16 grams of water)
Adjust according to taste preferences.
5. Experiment with Brewing Methods
Pour-Over: Delivers a smooth, nuanced flavor.
French Press: Provides a full-bodied, rich experience.
Espresso Machine: Enhances bold and intense notes.
Cold Brew: Creates a naturally sweet, refreshing drink.
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How Does best Mutual Fund Software Ease Calculations for MFDs?

Managing mutual fund investments requires precision in financial calculations, which can be challenging for Mutual Fund Distributors (MFDs). This is where the best mutual fund software proves invaluable, offering a range of automated calculators to streamline these tasks.
Challenges MFDs Face in Manual Calculations
Manual Calculations are Time-Consuming: Calculating projections, returns, and income requirements manually is tedious, reducing time for client engagement and portfolio management.
High Risk of Errors: Manual calculations increase the chances of errors, which can lead to inaccurate projections and impact MFD credibility.
Limited Client Support: When MFDs spend too much time on repetitive calculations, they have less availability to address client questions and needs in real time.
Essential Calculators in The Right Software
Technology like mutual fund software for distributors such as Wealth Elite typically includes a suite of calculators that make it easier for MFDs to generate accurate projections and guide clients effectively. Here’s a closer look at some key tools:
1. SIP Calculator
The SIP Calculator allows MFDs to estimate future returns based on regular monthly investments. By inputting the monthly amount, expected rate of return, and investment period, MFDs can instantly show clients how SIPs can grow wealth over time.
2. Step-Up SIP Calculator
For clients who can increase their investment amounts over time, the Step-Up SIP Calculator shows how gradually raising SIP contributions can lead to greater returns.
3. Lumpsum Calculator
The Lumpsum Calculator estimates potential returns on a one-time investment over a specified period. This tool is perfect for clients looking to invest surplus funds.
4. Crorepati Calculator
The Crorepati Calculator helps clients plan toward reaching a 1 crore corpus by calculating either monthly or one-time investment requirements.
5. STP Calculator
The Systematic Transfer Plan (STP) Calculator assists MFDs in guiding clients on systematic fund transfers from one investment type (like debt) to another (like equity).
6. SWP Calculator
The Systematic Withdrawal Plan (SWP) Calculator allows MFDs to plan regular withdrawals for clients. It helps calculate the withdrawal amount, frequency, and potential impact on the fund balance.
Benefits of Using Calculators in Software
Using wealth management software with integrated calculators offers several productivity benefits for MFDs:
Time Efficiency: Automated calculations are much faster than manual work, allowing MFDs to generate accurate figures instantly and handle a larger volume of client inquiries.
Enhanced Client Confidence: When clients receive accurate, data-backed projections, they are more likely to trust the MFD’s guidance, fostering stronger client relationships.
Reduced Errors: Automation reduces the risk of human error, ensuring that calculations are accurate and reliable, which is especially important for sensitive financial advice.
Higher Productivity: By minimizing repetitive tasks, MFDs have more time to focus on strategic activities, such as client acquisition and portfolio diversification strategies.
Improved Client Engagement: With more time available, MFDs can better engage with clients, address their concerns, and provide more tailored investment strategies.
Conclusion
The software with built-in calculators plays a crucial role in easing the calculation demands faced by MFDs. In a competitive field, this efficiency enhances client trust, reduces errors, and frees up MFDs to focus on growth-driven activities.
#Mutual Fund Software#Mutual Fund Software for Distributors#Mutual Fund Software for Ifa#Mutual Fund Software in India#Top Mutual Fund Software in India#Best Mutual Fund Software in India#Best Mutual Fund Software for Distributors#Best Mutual Fund Software for Distributors in India#Top Mutual Fund Software for Distributors in India#Best Mutual Fund Software#Mutual Fund Software for Distributors in India#Financial Planning Software#Wealth Management Software#Financial Planning Software in India#Wealth Management Software in India#Best Wealth Management Platform#CRM Software for Mutual Fund Distributor#Financial Advisor Software#Best Mutual Fund Software for Ifa in India#Best online platform for mutual fund distributor
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What Are the Different Calculators Available in Mutual Fund Software?
Calculations are at the core of investing. If not done properly, they can hurt your investments. Mutual Fund Distributors (MFDs) often face the challenge of manual, time-consuming, and error-prone calculations, which can slow down their business. This is where mutual fund software for distributors comes into play, offering a range of calculators to streamline and automate calculations.
Challenges MFDs Face with Manual Calculations
1. Prone to Errors: Manual calculations often lead to mistakes, affecting client investments. 2. Time-Consuming: Calculating returns, SIPs, and withdrawals manually takes up valuable time. 3. Inconsistent Results: Manually handling multiple clients makes it difficult to ensure consistent accuracy. 4. Complex Formulas: Some investment calculations require complex formulas, making manual work harder. 5. Reduced Client Trust: Errors and delays in manual calculations can reduce client confidence.
How Does Software Help Ease Calculations?
REDVision Technologies understands the importance of calculations and offers mutual fund software for IFA that provides automated calculators that help simplify the process, ensuring faster and error-free calculations.
Key Calculators Available in Mutual Fund Software
SIP Calculator Calculates future value based on regular investments. Saves time and ensures accurate projections for SIP returns.
Step-Up SIP Calculator Accounts for increasing SIP contributions, show how small increments can lead to large returns over time.
Lumpsum Calculator Helps project the future value of one-time investments. Quick and accurate results make planning easier for large investments.
Crorepati Calculator Guides clients on how much they need to invest periodically to reach a target corpus like Rs 1 crore.
STP Calculator Helps plan systematic transfers between mutual fund schemes, reducing risk during market transitions.
SWP Calculator Provides structured withdrawal plans, ensuring retirees or clients withdrawing funds have a steady income without depleting their capital.
Benefits of Using Mutual Fund Software Calculators
1. Accurate Calculations: No risk of human error. 2. Time-Saving: Speeds up the process, letting MFDs handle more clients. 3. Better Client Experience: Improves trust with clear and accurate results. 4. Enhanced Productivity: Allows MFDs to focus on growing their business.
Conclusion
A reliable portfolio management software provides MFDs with advanced calculators that simplify complex calculations, improve accuracy, and free up time to focus on growth. By automating manual tasks, MFDs can better serve their clients and achieve more in less time.
#mutual fund software#mutual fund software for distributors#mutual fund software for ifa#mutual fund software in india#top mutual fund software in india#best mutual fund software in india#best mutual fund software#mutual fund software for distributors in india
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How does SWP Work in Mutual Funds Explained | Mirae Asset
How does SWP (Systematic Withdrawal Plan) work? It allows investors to regularly withdraw a fixed amount at fixed intervals . Know more on how does swp work in mutual funds at Mirae Asset now!
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JUST FOR FUN pt 2
read pt 1 here part 3 here
toji fushiguro x f!reader
warnings: smut degredation swp creampie uhh just rough sex in gen overstim (lmk if i missed any!!)
After what you would like to call an incident, things between Toji and you weren’t the same. He now had a habit to quickly put you in your place, all with a smirk which was irritating to say the least. You found yourself trying to avoid him, any time he came too close you’d quickly put distance between the two of you, not wanting to deal with him yourself. Toji made it difficult for the distance to be kept, he truly enjoyed being able to make you squirm with just his presence. You were locked away within your office, which was the only moment you were Toji free.
“Come in,” You said softly as you filled out paperwork from your latest bounty, which was a success.
“Who knew you’d be stuck here all of sudden,” Toji said in a playful tone and you continued to do your work.
“What is it that you want Fushiguro?” You said, making sure your tone was dull, as you didn’t want to entertain him any longer.
“Why so cold all of a sudden? Am I bothering you that much?” He asks, faking a hurt look as his hand went over his chest, a small frown on his face.
“Truly, if you have no business with me then fuck off, God you’re annoying,” You said dismissing him with a small shoo motion and going back to work.
“Someone must need an attitude adjustment again, you’re being such a fucking brat,” Toji said in a growl, and you felt your face warm up.
A quick flashback of your previous intimate moment with him replayed in your head causing you to clench your thighs together.
“You’re a pervert Fushiguro, now get out. Don’t make me repeat myself,” You said, quieter than you had planned but you still meant it.
He smirked and went towards the door turning around to face you once again.
“I do hope I get to hear you whine and beg for me again,” He said before exiting your office.
You put your head in your hands groaning as he had worked you up and you weren’t going to chase after him. You sighed shifting into a comfortable position and then finishing for the day.
Several days went on like this, he’d invade your personal space, fluster you only to leave before you could think of a witty comeback. You took in a deep breath as you heard footsteps approaching your office once again. You got ready to pay him no mind, keeping your eyes focused on your work as he approached you.
“What do you want?” You said sternly, obviously not in the mood for his antics.
“Aw, come on don’t be a brat now, do you need an attitude adjustment?” He asked leaning over your whispering into your ear.
Your face flushed and you focused on your work, which led to Toji letting out an amused laugh. You felt his hand grip your face firmly and tug your face up so you’d look at him. He loved the innocent look you had in your eyes, doe eyes brimming with need and confusion. Toji could only smirk, seeing how much you needed him he leaned down slightly.
“You’re such a brat, but I know exactly what a needy slut like you needs, isn’t that right? You just want someone to break you until you’re crying fat tears isn’t that right sweetheart?” Toji asked and you found yourself nodding slightly. “Ah, use your words.”
“Yes, that’s what I want,” You said quietly and Toji only looked at you.
“I’m sorry I couldn’t quite hear you, speak up, and maybe, I’ll reward you,” Toji said and you flushed.
“Please Toji, that’s what I want,” You said a bit louder this time, it seemed to satisfy him.
He quickly picked you up, placing you on the desk, grabbing your wrists, and pinning you down. You remembered what he said last time and you kept your hands there. Toji noticed and smirked while calling you a good girl. Toji began to give you rough kisses on the neck, making sure your neck would be painted in a dark purple. You left out soft whimpers which only served to fuel his pace. He moved between your legs and you could feel his hard-on pressing against your core. Your back slightly arched, wanting to feel him more but a quick slap to your thigh and you stopped.
“You’re such an obedient whore for me, isn’t that right? My cute little fuck toy, that’s all you’re good for anyway,” He said in a condescending tone, and you felt it go straight to your core.
Toji’s hand slowly made it down, teasing touches along the way until he got to your pussy, which was already wet in anticipation for him. He ripped your stockings down the center and your eyes widened in shock, you were upset he had ripped them but knew better than to say anything. Toji moved your underwear to the side and began by easing a finger in, prepping you. You loved but hated the way his fingers made you feel, full —he managed to reach spots you couldn’t even dream to reach, on your own. Toji eased another finger in curling them slightly against your sweet spot, which caused your walls to flutter around him. You were babbling nonsense, nothing that came out of your mouth was coherent, just pleas for more.
“You need to lower your voice, or else someone might hear you and come in, oh? You must like that, you just clamped around my fingers,” Toji said and your eyes widened before looking away.
Toji quickly forced you to look back at him, eyes glaring down at you.
“Look away from me again and I’ll ruin every one of your orgasms, do I make myself clear?” He asked and you nodded.
“Yes, yes yes I’m sorry Toji,” You stuttered out remembering what he told you before.
“Good whore, You must love the idea of being found out hm? Anyone could come in at any moment and all they’d see is your gushing all over my fingers, maybe even creaming around my fat cock,” Toji whispered in your ear, which caused you to moan out softly.
Toji continued to finger you by using his thumb to play with your clit, causing your abdomen to tighten. Toji could tell you were close and only looked down at you with the same shit-eating grin as the last time.
“No, please, please, please, I promise I’ll be good please let me cum,” You pleaded with a whine following and his fingers only began to slow down.
“Who does this pussy belong to, hm?” “You!” “Oh? And who’s the only person who makes you feel this good hm?” He asked while picking up the pace.
You choked on your saliva, his fingers hitting the perfect spot.
“You! Only you Toji please,” You pleaded desperately, stuttering his name as if though you were praying to him.
“Yeah, that’s right you whore, I’m gonna wreck yer cunt to the point where only I can pleasure you, you’ll only crave me,” He said, and he meant it as not only a threat, but a promise as well.
Right after, you reached your peak, gushing all over his fingers as your hips shook slightly from the overwhelming amount of pleasure. You only whined and mindlessly babbled incoherently, words not making any sort of sense to you while drooling slightly. Toji helped you ride out your high, taking his fingers out and tasting you with a smirk.
“Always so sweet for me,” He said and you whimpered.
Toji pulled his pants down followed by his boxers and your eyes widened. You honestly didn’t remember him being this big. His cock had a bit of precum flowing out as it slapped his stomach.
“Aw come on, don’t tell me you can’t take me? Such a shame too isn’t it?” He said going to pull his pants back up but you quickly shook your head.
“No, no I can I promise, please,” You pleaded and he smirked.
He lined himself up with your core before slipping himself in a fluid motion causing your back to arch, you swore you could see stars. He gave you a second to adjust to him before he began to just abuse your pussy. All that could be heard within the room was skin slapping and your whines. Toji quickly stuck his fingers in your mouth in order to silence you, as he didn’t feel like getting caught. You could only whine as he hit your g-spot repeatedly, you felt your orgasm rushing at you.
“‘M so close Toji, please,” You pleaded and he shook his head.
“Aw, it’s too early for that isn’t it? You cum when I allow you to,” Toji said and you let out a desperate whine.
This only further encouraged him to bring his thumb over your clit and began to play with it which caused you to clench around him even harder.
“So tight for me, fuck, your cunt was made for me and only me, shit, so good for me baby,” He said and you whined softly.
He began to pound roughly into you while gagging you with his fingers, ensuring that you wouldn’t get loud. You felt your high quickly approaching as you clenched around him tightly causing him to groan.
“Yeah, that’s it slut, cum all over my cock, wanna see you gush all over me,” He said, and with that, you squirted on him while moaning loudly.
Toji looked down in shock, soon smirking and looking at you. He continued to thrust roughly through your high helping you ride it out. As soon as you stopped twitching he began to thrust again causing you to look up at him.
“Aw, you didn’t think we were done did you? I know you have one more in there for me, now be a good fuck toy for me,” He said and you nodded.
Toji picked you up from the desk and put his hands on your waist and began to fuck you while standing up. You felt like he had somehow reached deeper into you and you dug your nails into his back as you moaned quietly.
“So good Toji, so so so good!” You said loudly at the end when he had reached your g spot.
You quickly took this opportunity to leave him with the same hickeys he gave you which caused him to curse under his breath.
“You’re such a bad girl hm? I guess I should fuck you like a whore then,” He said and you tightened around him, aroused by the idea.
He only smirked and began to thrust harder into you, your eyes rolling to the back of your head. You began to chant his name like a mantra, not caring who could hear you at this point, you were too lost in what he had to offer. You quickly felt your third high approaching and Toji could also feel his.
“You cum when I do, don’t forget that,” He growled and you desperately nodded.
Toji’s thrust became sloppy and you both reached your highs at the same time, you gushed around him as he looked down watching his load seep out of you with a smirk. You both caught your breath and you quickly realized the situation you were in. Your eyes widened as you quickly put both your hands against his chest and you pushed against him.
“Let me down, you have to leave,” You said quickly while Toji only smirked.
He pulled out stuffing his cum right back into you with a smirk, before slipping your underwear back over. You whimpered at the empty feeling and carefully unwrapped your legs from his waist, your legs shaking as you stood. Toji could only laugh which caused you to glare at him, eyes swimming with hatred once again.
“Get out Toji,” You said firmly and he only looked at you.
“You have to admit it, you don’t really hate me, you love the way I fuck you, I can tell,” He said and you rolled your eyes.
Before leaving he grabbed your neck and leaned down giving you a rough sloppy kiss, which only left you wanting more. He left throwing a wink in your direction and you felt like screaming. God this man frustrated you but he fucked you so well you couldn’t help but want more. When you got home to your estate, your clan advisors were waiting for you. Your heart was in your throat as you quickly walked in with them and they began to prep you for your meeting. When you walked through the doors in there waiting for you was Kai Satoru and a representative of the Zenin Clan. You felt your heart drop, as this only screamed some sort of marriage proposal. You sat down across from them, your advisors behind you, and the meeting began. You felt as if time had dragged on, it honestly felt like the meeting had gone on for hours when in reality you were only one hour in.
“(y/n) we want to offer an alliance between the Satoru clan and yours, but it would have to be fortified through marriage,” Kai said and your eyes widened.
If you were to get married Kai would become the head of the clan and you’d be fucked over for good, being stripped of all power and forced to be some trophy wife, and you would rather die than let that happen. Kai noticed your hesitation and spoke up before you could object.
“I know traditional marriage laws would imply that I would become head of your clan, but we can alter it completely so that you remain in power,” Kai said quickly and you stared.
“Although both offers I have been offered are enticing, I need time to work them over with my advisors, it’s getting late and I would hate for anything bad to happen,” You said and both men nodded.
All of you got up bowing and then two of the advisors helped the men find their way out. You followed and noticed a white-haired boy quickly join Kai, who only stared at you. It quickly clicked who the boy was, Gojo Satoru. You soon were dragged back into the room and sat in front of your advisors.
“So, which deal are you more inclined to take? Both the Zenin and Satoru clan are highly powerful, and marriage with either of them would clean the clan name,” One of them, Kaisa, said quickly, the others nodding.
“I don’t know the offer the Satoru clan ensures that I remain as head of the clan until an heir is produced and of age, but marriage right now is scary,” You said and they nodded.
“You’re going to have to get married soon,” One of them spoke up and you could only nod.
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Solon in Herodotus’ Histories
“Abstract: In this article, I focus not so much on what Solon actually says and does in hisconversation with Croesus, but on what Herodotus’ readers, as well as Croesus himself, think Solon might say or do. I argue that Herodotus uses analogous episodes, those of Gyges, Candaules, and Candaules’ wife, of Arion and Periander, and of Bias/Pittacus and Croesus, to shape readers’ expectations of Solon’s conversation with Croesus, but he thens ubverts many of those expectations within the conversation itself. In so doing, Herodotus emphasises the programmatic function for the Histories of much of what Solon tells Croesus.”
“This comparison between the Solon–Croesus episode and a select number of other, thematically important Herodotean episodes117 has shown that the former episode is special. If all or many of these episodes began as self-contained epideictic set pieces118 delivered by Herodotus before various live audiences, as seems likely, it was Herodotus’ challenge to weave these originally oral logoi into his written Histories . As evidence for just how crucial Solon’s conversation with Croesus in 1.29-33 is to his work, Herodotus tries something with this episode that he never repeats in his work: with analogous episodes he builds up readers’ expectations about what both they as the external audience and Croesus as the internal audience will experience in this conversation (e.g., that Solon will seek patronage and that he will flatter Croesus), but then Herodotus subverts many of those expectations when Solon actually interacts with Croesus. The surprising, programmatic advice that Solon gives to Croesus in 1.29-33, including the appropriate admonition to ‘consider the end of every matter’, is thrown into sharp relief by such subversion.”
Abstract and conclusion from David Branscome Waiting for Solon: Audience Expectations in Herodotus, available on https://www.academia.edu/25974228/Waiting_for_Solon_Audience_Expectations_in_Herodotus?swp=rr-rw-wc-43570534
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During the 1960s, local police departments conspired with the FBI to create disunity and undermine the organizations of Black radical groups including the Nation of Islam. The Covert Intelligence Program (COINTELPRO) was created by the FBI to surveil and disrupt left political organizations. FBI agents would send letters forging signatures to create rifts or exacerbate internal rifts in organizations.
In the FBI’s own words:
COINTELPRO—short for Counterintelligence Program—in 1956 to disrupt the activities of the Communist Party of the United States. In the 1960s, it was expanded to include a number of other domestic groups, such as the Ku Klux Klan, the Socialist Workers Party, and the Black Panther Party. All COINTELPRO operations ended in 1971. Although limited in scope (about two-tenths of one percent of the FBI’s workload over a 15-year period), COINTELPRO was later rightfully criticized by Congress and the American people for abridging first amendment rights and for other reasons.
Malcolm X did not simply advocate for Black people to be self sufficient in their own communities and to support the NOI financially. Malcolm X preached against the bedrock of US capitalism: the philosophy of white supremacy. He challenged the belief that white people were “superior,” revealing in fact the horrific, violent, and hypocritical acts white people and a white-run government took against Black people, in particular Black people protesting in the Civil Rights Movement. He denounced pacifism because it was ineffective against attack dogs and murderous bigots. He advocated for Black people to demand their democratic rights “by any means necessary.” The FBI was determined to take him down and use the rift between him and NOI leader Elijah Muhammad to kill him. The film makes clear what many Black revolutionaries already knew: the NOI was a willing puppet of the FBI in the murder of Malcolm X. Their disagreement was used to kill Malcolm X and undermine their organization’s ability to radicalize outside the system.
This tactic would become commonplace for the FBI, CIA, and local police departments in destroying Black, left and socialist revolutionary organizations. FOIA files reveal systemic lies, misinformation, and even direct assassination of leaders to break revolutionary organizations like the Black Panthers, Black Liberation Army, American Indian Movement, Socialist Worker’s Party, Young Lords, Communist Party-USA, and many others. As revealed in the documentary, Malcolm X’s personal bodyguard was an informant for the police. The informant, Gene Roberts, gave Malcolm CPR as he lay dying on the floor of the ballroom.
“Leave Well Enough Alone”
The film is also about history, and if a person is redemptive, why tarnish their history? William Bradley, aka Al-Mustafa Shabazz, was allegedly discovered to be the actual lone gunman of Malcolm X. As the film maker Abdur Rahman Muhammad prepares to confront him face-to-face, he is suddenly informed that Al-Mustafa Shabazz is dead. Before he died, after leading a life of crimes, he converted to Islam and became a pillar in his community, setting up a boxing gym to train low income at risk youth. Local politicians came to his funeral. Even former Presidential hopeful Cory Booker spoke highly of him. Does that then absolve him of being questioned about his past?
The filmmaker suggests not only that Al-Mustafa Shabazz killed Malcolm X, but that elected officials suspected he was the murderer and allowed him to live freely as a “open secret.” Muslims interviewed in Newark also stated that because Shabazz had reformed his life, becoming a devout Muslim and contributing positively to the community, he should be absolved of his crime. Although it is clear in the documentary Abdur Rahman Muhammad is not satisfied with that reasoning, he leaves the question open-ended.
Malcolm X was an individual who went through personal and political changes in his life. His father, Earl Little, was run over by a trolley because he stood up to white supremacists. His mother was placed in a psychiatric hospital after her husband was murdered. Malcolm was split from his six brothers and sisters, growing up in foster homes. After being discouraged by a racist white teacher from becoming a lawyer (“An (n word) can’t be a lawyer. Become a carpenter”), Malcolm turned to a life of crime. After being in and out of jail, Malcolm Little was arrested and sentenced to 10 years in prison for burglary. While in prison, he was recruited and then joined the Nation of Islam. Often, the NOI has recruited and targeted people like Malcolm who are incarcerated.
Malcolm Little became Malcolm X, stating he did not know his ancestors’ actual last name because it was taken from them during enslavement. While in the NOI, Malcolm X denounced the racist US government and called for Black people to defend themselves against the Klan, bigots and police attacking Black people. He specifically polemicized to the youth of the Civil Rights Movement. Most of the movement agreed with pacifism. Malcolm X strongly denounced pacifism as a tool of oppressors, arguing that Black people were taught pacifism specifically to keep us from revolting from being enslaved to resisting segregation. Malcolm X’s political agitation grew the NOI membership. It also directly challenged the US government’s racist policies. There began to develop a rift between Elijah Muhammad and Malcolm X. With COINTELPRO, the FBI infiltrated and exacerbated the division. Malcolm X had already begun to drift from the NOI when a long time friend and NOI member Ronald Stokes was murdered by the Los Angeles Police Department. Malcolm X called for revenge against the police, but he was told by the Nation of Islam not to strike back against the LAPD.
The division became an unofficial break when Malcolm X called the assassination of John F. Kennedy “Chickens Coming Home to Roost,” defying an order from Elijah Muhammad to be silent on the issue.
Malcolm X’s life went from reactionary, to radical, to revolutionary. When he stood alone from the organization that “rescued him from the wilderness,” he went further to Pan-Africanism and was even influenced by socialist groups like the Trotskyist Socialist Workers’ Party. Malcolm X spoke several times at the Militant Labor Forum organized in part by the SWP, stating that the Militant “was one of the best papers in New York City.” He also gave an interview to the SWP weeks before his death stating, “It is impossible for capitalism to survive… it is only a matter of time in my opinion before it will collapse completely.”Malcolm’s life parallels Trotsky’s life. Building an organization only to be betrayed by it. Working furiously knowing his days were numbered. The sharp speeches of dead men walking.
Malcolm X was assassinated because he was growing and gaining a following among the Black youth and working class. He was growing internationally. From religious to secular, from separatist to internationalist. The US capitalist, imperialist was determined to assassinate him.
Seeking Resolution
Film maker Abdur Rahman Muhammad did not stop at discovering who was the alleged killer of Malcolm. He also linked up with Muhammad Abdul Aziz, one of the three people charged with Malcolm’s murder who is still alive. The assassin who confessed waited until after Elijah Muhammad’s death and revealed the names of the four others. This also meant two people went to jail for crimes they didn’t commit. Further still, that the FBI knew these men were innocent and allowed them to spend most of their lives in jail. The other accused man, Khalil Islam but then known as Thomas 15X Johnson, died before he could be released and his name cleared.
Film maker Abdur Rahman Muhammad’s meeting with Abdul Aziz discussed filing a appeal for he and the late Khalil Islam to the exonerated. It was a sad reality when Aziz said the filmmaker could do what he wanted, but that he had no hope in anything coming of it. Why would he? The U.S. government knowingly stole 20 years of his life. Because he was in prison, it ruined relations with his family and estranged him from generations of his children, grandchildren, and great grandchildren because he “wasn’t there.” It seems to this author rather naive to believe that this government that routinely ruins lives and ends lives with sadistic glee is capable of “justice.” The system itself is based on injustice.
In a surprise twist, the Manhattan District Attorney’s office has decided to reopen the case of Malcolm X’s murder, possibly exonerating two of the three men convicted of his death. There are still dozens of political prisoners locked up behind trumped up charges. There are still millions locked up because they are poor, Black or Brown, and use illegal substances. Around the world, US imperialism continues to bomb, maime and terrorize people and their democratically elected governments for not towing the line. Even if because of pressure from this film, these men are exonerated (one posthumously), it would not make the system any more just.
We know who killed Malcolm X. It was the U.S. government. They even had an informant as Malcolm’s top bodyguard. The Nation of Islam, threatened by Malcolm’s power and unwillingness to be bought by the organizations financial success, were the ones who pulled the trigger. The documentary reveals first hand FBI accounts showing the depravity and fear of radical Black self organization. It is also about secrets kept and complicated histories. About the enduring importance of the truth and the complexities of that. It is a must-see to learn about the bold political life of Malcolm X and how a determined local Black Muslim historian changed the narrative of one of the most influential political leaders in U.S. history.
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Ahh this sounds exciting lol Law with night Flower and rain? Is this how it works? I hope I’m doing it right. By the way love your work ♥️ have a nice day
Hi Anon! Yup that's exactly how it works 😄 and thank you so much, that's so lovely to hear. I really appreciate it. Hope you like it.
SWP - Law - Night, Flower, Rain
Night: What are their sleeping habits?
. Sleep? Law? Hahaha.
. Law doesn't sleep nearly as much as he should and considering he's a doctor he should know much better.
. When he does sleep it's usually between 2 to 4 hours worth with a few wake ups in between.
. Law has nightmares quite often but he is quite quiet with them unless it's a really bad one. Usually just soft moans or whimpers as old memories plague his unconscious mind.
. Has considered taking something to help him sleep but wont risk the safety of his crew for a good night of sleep - if something happened while he was out he could never forgive himself.
. Law runs quite cold so he usually has at least one blanket on his bed and will wear sweatpants and an old t-shirt most nights.
Flower: How protective are they over their loved ones?
. Extremely.
. Law has lost too many people he cared about to let it happen again. If he considers someone important to him then he will do everything in his power to keep them safe, even if it means putting his own life at risk.
. If Law has allowed himself to have a romantic connection to someone then you better believe he will always have one eye on them no matter the situation.
. He doesn't really want to care about people because Law has suffered too much heartbreak already. But hes only human, so he still feels things. And he will fight with everything he has to keep the people who have slipped past his walls safe.
Rain: What are they like when they're sad or upset?
. Law isnt really an open and jovial guy to begin with and he likes to keep his feelings to himself.
. Because of this it can be hard to tell if something has upset him.
. Usually Law will retreat to his room for days, studying medical text or the like to occupy himself from dwelling on whatever has bothered him.
. Most of the crew know to stay away when he locks himself in his quarters but if it goes on for too long they will start finding reasons to bother him other than food.
. Law can be very short and cold with people when he is upset. He doesn't want any sympathy. He doesn't want to talk about it and he doesn't need any help.
. Will try and avoid all human contact for a few days.
#one piece#one piece headcanons#trafalgar law#one piece law#Law#one piece imagines#oo headcanons#SWP
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SURVEILLANCE SOCIETY – COURT OF APPEAL PUTS BRAKES ON POLICE SCHEME
Several police forces have been using facial recognition technology to detect suspects. Cameras placed in public places can scan thousands of faces as they pass by, matching those images with images on a database. The technology can assist in the apprehension of wanted offenders, and potentially track people as they go about their lawful business.
To many, if you have nothing to hide, you have nothing to fear, for others, it is a significant infringement of civil liberties and the start of a sinister world of state surveillance.
In a critical judgment, the Court of Appeal has provided clarification on the use of such technology.
What was the case about?
The appeal concerned the lawfulness of the use of automated facial recognition technology (“AFR”) in a pilot project by the South Wales Police Force (“SWP”). AFR is a new technology used to assess whether two facial images depict the same person. The specific type of AFR at issue, known as AFR Locate, works by extracting faces captured in a live feed from a camera and automatically comparing them to faces on a watchlist. If no match is detected, the software will automatically delete the facial image captured from the live feed. If a match is detected, the technology produces an alert and the person responsible for the technology, usually a police officer, will review the images to determine whether to make an intervention. SWP deployed AFR Locate on about 50 occasions between May 2017 and April 2019 at a variety of public events. These deployments were overt, rather than secret. The watchlists used in deployments included persons wanted on warrants, persons who had escaped from custody, persons suspected of having committed crimes, persons who may be in need of protection, vulnerable persons, persons of possible interest to SWP for intelligence purposes, and persons whose presence at a particular event causes particular concern. To date SWP watchlists have comprised between 400-800 people, and the maximum capacity for a watchlist is 2,000 images. AFR Locate is capable of scanning 50 faces per second. Over the 50 deployments undertaken in 2017 and 2018, it is estimated that around 500,000 faces may have been scanned. The overwhelming majority of faces scanned will be of persons not on a watchlist, and therefore will be automatically deleted.
What did the court decide?
The court rejected several challenges (brought by Mr Bridges) but upheld the following:
(1) Although the legal framework comprised primary legislation (DPA 2018), secondary legislation (The Surveillance Camera Code of Practice), and local policies promulgated by SWP, there was no clear guidance on where AFR Locate could be used and who could be put on a watchlist. The Court held that this was too broad a discretion to afford to the police officers to meet the standard required by Article 8(2).
(2) The High Court was wrong to hold that SWP provided an adequate “data protection impact assessment” (“DPIA”) as required by section 64 of the DPA 2018. The Court found that, as the DPIA was written on the basis that Article 8 was not infringed, the DPIA was deficient.
(3) The High Court was wrong to hold that SWP complied with the PSED. The Court held that the purpose of the Public Sector Equality Duty was to ensure that public authorities give thought to whether a policy will have a discriminatory potential impact. SWP erred by not taking reasonable steps to make enquiries about whether the AFR Locate software had bias on racial or sex grounds. The Court did note, however, that there was no clear evidence that AFR Locate software was in fact biased on the grounds of race and/or sex.
Will the Police Appeal?
The police have confirmed that they do not intend to appeal the ruling.
Does this mean that facial recognition will not now be used?
The ruling does not ban the use of facial recognition technology, but it does strengthen the safeguards that must be in place.
In a statement, South Wales Police said:
‘We are pleased that the court has acknowledged that there was no evidence of bias or discrimination in our use of the technology. But questions of public confidence, fairness and transparency are vitally important, and the Court of Appeal is clear that further work is needed to ensure that there is no risk of us breaching of our duties around equality. In 2019 we commissioned academic analysis of this question and although the current pandemic has disrupted its progress, this work has restarted and will inform our response to the Court of Appeal’s conclusions.’
Our work
We continue to closely monitor the use and lawfulness of emerging technologies, ensuring that at all stages, our client’s fundamental human rights are protected.
How can we help?
If you need specialist advice, then get in touch with Hashmita Patel or Stephanie Brownlees on 01902 275 042 and let us help. We can advise on a plea, defences and potential sentences in a wide range of circumstances.
Contact Details :
EDEN LEGAL SERVICES LTD
West Midlands House, Gipsy Lane, Willenhall, WV13 2HA
07791308922
https://www.edenlegalservices.co.uk/surveillance-society-court-of-appeal-puts-brakes-on-police-scheme/
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What if Swapfell! (Purple version) Papyrus and Reed ever met? Since they are both blind in their right eyes. What would they say or do?
Honestly? They’d probably be fairly indifferent to it all. It’d be unlikely to come up in any conversation - Reed would probably be the more curious out of the two (how does one go blind when their ‘eye’ is nothing more than a small orb of light manifested by magic?), but her curiosity would probably be pushed to the side for favor of making sure this new Papyrus doesn’t swindle her.
Because where Reed sees a new skeleton, SWP!Paps sees a sucker just waiting to have their wallet lightened~ Accidents happen all the time and, magic or flesh, sometimes parts just become too damaged to continue working. Both know this, and while there may be that moment of ‘huh, well here’s a similarity we share’, there isn’t really any profound thoughts or opinions made of the other party beyond that.
#anon asks#ask nascent#Swapfell!Purple#Fun Fact: Our SF boys were almost written to follow the SF!Purple Route#But at the time I didn't know of many fics that featured SF!Red#and decided to go that route instead <3#And that's why we have Hickory and Black instead of Cash and Indigo
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Vulnerabilities
Martha's Recipes
Martha's 'You Beauty' Vanilla Cake
Spotted errors include:
"180 degrees F" - which is equal to 82 degrees C, which is nowhere near hot enough to allow a cake to be baked.
No ingredients list with measurements is given - only how the ingredients should be used is given.
Martha's Easter-show Winning Caramel Slice
Spotted errors include:
"125g butter, melted, plus 100g extra" - ingredients include an "extra" 100g of butter, but the instructions don't specify where to use it.
"2 x 395 sweetened condensed milk" - the instructions don't specify where to use it.
"1/3 cup golden syrup" - the instructions don't specify where to use it.
From the 3 dotpoints above, we can conclude that the caramel slice recipe is missing how to incorporate the caramel!
"2 x 395 sweetened condensed milk" - no unit of measurement is given.
"PLAISTOWE Chocolate Dark" - not sure if I'm being too picky, but the ingredients list does not include the type of chocolate required, but the instructions do.
"200g Chocolate dark, melted" - the ingredients list says you need melted dark chocolate, but the instructions include how to melt the chocolate.
Martha Family Recipe - Cheese Souffle
Spotted errors include:
Mismatch in cooking times stated before the instructions and within the instructions.
I found that the instructions were very long and could have been broken up, which would have made it easier to follow and reduce errors.
I C your problem there
I didn't touch the C code because:
It was "for computer scientists" and I ain't one
I haven't touched C since... OS maybe so that's more than a year.
Maybe I'll return to this activity later on and review the vulnerabilities in the C code.
Reflection
What can we learn from this activity?
Well, I guess this activity stresses the importance of being precise. Computers are only as smart as the programmer (debatable), so it's important that the instructions we feed it leave no room for error.
For example, when writing a recipe, it should state what to use, how to use it, how much to use, how to do it, how long to do it, etc.
In another example, when I was doing my lab induction, we were told that we were required to write up an SWP (Safe Working Procedure) before we were able to do anything. The SWP should be so precise, yet simple enough, such that you could leave your work to your dumbest friend and they'd be able to carry out the rest of the work for you.
Think about your dumbest friend - how would you protect them from failure?
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Can You Calculate SWP in the Mutual Fund Software for Distributors in India?

Yes, you can! Mutual fund software for distributors in India includes a handy feature – the SWP calculator. Let’s break down how this tool works and how it can help financial distributors manage their clients' Systematic Withdrawal Plans (SWP) with ease.
What is an SWP Calculator?
SWP stands for Systematic Withdrawal Plan. This method allows investors to consistently withdraw a predetermined sum from their mutual fund investments. Instead of withdrawing the entire amount at once, SWP allows investors to take out money at regular intervals (monthly, quarterly, or annually) while the rest of the investment continues to grow.
The SWP calculator in the software is designed to help mutual fund distributors calculate these withdrawals quickly and accurately. It provides insights into how much can be withdrawn, how long the investment will last, and what the expected returns will look like over time.
How Does the SWP Calculator Work?
The SWP calculator is a user-friendly tool. To use it, simply enter the following details:
Lump Sum Investment Amount
This is the total amount invested in the mutual fund. For instance, if your client has invested ₹5 lakhs in a mutual fund, this amount goes into the first field.
SWP Withdrawal Amount
How much money does the investor want to withdraw regularly? This could be ₹10,000 per month or any other preferred figure. Enter this in the calculator.
Time Period
The duration for which the investor wishes to receive the withdrawals. It could be for 5 years, 10 years, or any period that suits their financial goals.
Expected Rate of Return
Mutual funds typically generate returns over time. Enter the expected rate of return here, which could be 8%, 10%, or a number based on historical data or market expectations.
Once you enter these four pieces of information, the calculator does the heavy lifting!
What Happens Next?
Once all the information is provided, the SWP calculator will illustrate the withdrawal schedule over the selected period. You can see:
How long the lump sum will last if withdrawals continue.
The potential remaining balance in the account, based on the expected rate of return.
The exact breakdown of how much of each withdrawal comes from the investment earnings and how much comes from the original investment amount.
Visualize the SWP Breakdown
To make things easier, software provides visual representations of this data. You can view the SWP summary in different formats like:
Pie Charts: Showing the split between withdrawals, remaining balance, and returns.
Tables: Detailed breakdown of each withdrawal, with the remaining balance after each one.
Graphs: A timeline of how the investment depletes over time, which can help clients see how long their money will last.
Export and Share Results
Once the calculation is complete, the mutual fund software allows you to export the results in various formats, such as PDFs or Excel sheets. You can then send these reports to your clients by email, making it simple to keep them informed and up to date. This feature is particularly useful for mutual fund distributors who need to provide clear, data-driven advice to their clients.
Why SWP is Important for Investors
An SWP offers a steady income while keeping the remaining amount invested. It’s perfect for retirees or anyone who wants a regular cash flow without completely exiting their investments. With the help of the SWP calculator in fund tracking software, you can ensure that clients manage their finances better and keep track of their withdrawals easily.
Final Thoughts
In the competitive world of financial distribution, having the right tools is key to providing top-notch service to clients. Portfolio management software includes a comprehensive SWP calculator that simplifies the process and ensures accurate results every time. It’s designed to help you deliver valuable insights, customized plans, and seamless communication to your clients.
By using this tool, mutual fund distributors can offer more precise financial planning, making it easier for clients to enjoy their investments without worrying about cash flow.
#Mutual Fund Software#Mutual Fund Software for Distributors#Mutual Fund Software for Ifa#Mutual Fund Software in India#Top Mutual Fund Software in India#Best Mutual Fund Software in India#Best Mutual Fund Software for Distributors#Best Mutual Fund Software for Distributors in India#Top Mutual Fund Software for Distributors in India#Best Mutual Fund Software#Mutual Fund Software for Distributors in India#Financial Planning Software#Wealth Management Software#Financial Planning Software in India#Wealth Management Software in India#Best Wealth Management Platform#CRM Software for Mutual Fund Distributor#Financial Advisor Software#Best Mutual Fund Software for Ifa in India#Best online platform for mutual fund distributor
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HELLO it is me your swp and I am here to congratulate you on being done with your exam !!!!! How did it go? (If it did not go well I did not ask I know how it is lol) Are you now done for the semester? ALSO I love Milo <3 <3 Pls tell me everything about him: how did you get him / what are his hobbies / what is your favorite thing that he does? And anything else you'd like! I also have a dog! His name is Angus, he is a rescue, and his favorite stuffed animal is a chicken.
hello!! sorry this is so late i’ve been absolutely drained after the exam i’ve basically slept off the entire weekend whew but thank u!! it actually went really well i think! yes i’m done! summer vacation has officially started except this time i’ll also be doing my placement and working on my 3rd year dissertation already so there’s still work to be done but i’m very glad to be free of assignments for a while whew 😌
i got him when he was a really little puppy it was kind of a weird mixture of adopting him but not from a shelter?? someone told us about a breeder who was putting up a puppy for adoption because he was the runt and they didn’t want him which is so :( but it worked out for me cause he’s the best little boy and the love of my life and he’s still really small for a cocker spaniel although he turned 12 in feb!! he’s so lazy 😭 absolutely hates walks or literally anything that requires any amount of effort actually like if u try to get him to fetch or do a trick he’ll just side eye u like ?? why tf would i wanna get up you threw it go get it urself?? ahsjd unless it’s to get food he’s obsessed and will do anything for a single morsel, i absolutely adore him and love ever little thing he does he’s so silly sometimes and he had his first plane ride last year! i was already studying in the uk but my parents moved to london last summer so he’s my little london boy now <3 oh my gosh i’d love to see a photo of angus very rude u can’t send pics on anon but that’s so cute a stuffed chicken 😭 milo used to have a favourite stuffed cow he used to carry around everywhere until he absolutely destroyed it 💀
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