#excel sum and percentage

[emptymanuscript]

Market response to a 90 day pause on the Tariffs. Huge gains, still down.

The thing to remember is you ALWAYS have to do better on the gains than the losses. Otherwise you have lost money. This is simply because the metric is in percentages.

If you lose 10% of $100, you’ve lost $10, meaning you now have $90. If you then gain back 10%, that’s 10% of $90, $9. So you end up with $99. $1 less than when you started, even though you went down and up the same amount.

That’s why the stock market can have the biggest gains it’s had since Trump was last president AND still be lower than it was when he took office.

The only thing Trump & Co will talk about is that surge up. Because it sounds great. They’re going to do their damndest to ignore the bigger picture. And they’re going to rely on the public not understanding how things work to get away with it.

He’s going to use this to justify the Tariffs. Ignoring that it was a 90 day pause that caused this spike. It’s his waffling that’s making the market move like a roller coaster.

The thing is, the roller coaster favors the wealthy because it sheds money.

If we do the 100 -> 99 tango enough times, the money simply runs out. But the stocks themselves are priced in dollars and not percentages.

If a stock is priced at $100 per share, then just one 10% shift down and up knocks someone who only has $100 to spend out of the market. But someone with a million, even if they lost a higher percentage, say 50%, even though they actually lost a much larger sum of money wouldn’t be priced out.

$1,000,000 - 50% = $500,000

$500,000 + 50%=$750,000.00

Which means they’re nowhere close to being priced out of the market.

The rich can absorb the blow while everyone else gets thrown off the roller coaster.

It’s an excellent way to increase wealth disparity.

So it’s really important to hold on to the fact that no matter how much this kind of behavior helps the market it is screwing you as it does it.

That percentage vs dollar switch makes this very asymmetrical. Up benefits those in the market. Down screws everybody.

[kjwongsbrain]

A successful creative is almost an oxymoron. Not because it does not exist, but simply because it is such a rarity that the idea of intentionally setting out to be a successful creative could be considered a fool’s endeavor. Despite the fact that the status of mild significance has been democratized thanks to the emergence of digital social platforms and the lowering of the barrier of entry for content production and distribution, the statistics still reflect that the number of creatives that achieve a level of notoriety or fame to be considered significant is but a miniscule reflection of the sum total of all the individuals attempting to be those creatives. I would posit that the statistic actually hasn’t changed and what we are seeing isn’t necessarily an increase in the percentage of success due to the democratisation of the process, but rather a result of pure brute force quantity. Even if the success rate of something is a thousandth of a percent, when you have a billion people attempting it, the result is going to be a hundred thousand success stories. That’s just math for you.

I am not, however, in the business of discussing the actual rise of the social celebrity thanks to the proliferation of public internet platforms, but rather the thing that I wish to discuss is the way in which these successful individuals seem to achieve their levels of success, the ideas to which they attribute their ability to rise to the top, their preached methods of replicating that success, and also why I believe the vast majority of it is but a sea of worthless platitudes. I do also believe that much of it is either wrong, or bad, or both. 

In order to afford this rather long and unnecessary rant some level of structure, I’m going to attempt to weave my thoughts around three central points. The first being my thoughts on the concept of quiet excellence, then how the world is constantly proving me wrong, and lastly why I believe I’m right nonetheless. 

First, some background. All sound arguments require a competent amount of context, a standard to which I shall comply.

I have been a lifelong creative. My credentials as a professional creative may lend weight to that statement, but I truly do believe that the core of my very being was to harness and process the creative energy that resides within my brain. Still, it is quite a bold proclamation especially when the stuff I was creating when I was a young child can hardly be distinguished from any other nonsense from any other random children. I would counter by saying that creativity should never only be judged by its output, but rather its process. And I think my processes were mostly creative, at least as far as I can remember. I’ve dabbled in creative endeavors in multiple disciplines. I was a professional musician for a significant portion of my adult career, and I have dabbled in the fields of writing, poetry, filmmaking, and, most recently, woodworking. But beyond those disciplines traditionally regarded as being creative disciplines, I have also applied much of that same creative energy into much more regular tasks like cooking, home repair, storage solutions - the limits of the applications of creativity are only bound by your, well, creativity. A creative exponent if you will, creative squared. I’ve recently started challenging the traditional interpretation of the right brain versus left brain theory of creative and artistic tendencies or thought processes versus analytical or mathematical tendencies or thought processes. For as long as I can remember, I have been in possession of both. And as far as I can tell, they are not in opposition with one another, but instead find their roots in similar soil. The largest perpetrators of this idea come in the form of management trainers, or any other profession of that same ilk. Their concept of splitting the movers and the shakers into fields of either creative thought or analytical thought serve only to sell the opportunity to tell anyone or any corporation that they have one but lack the other. It’s a smart business strategy if you think about it. Divide the world into two very vague groups of individuals, arbitrarily determine the strengths and weaknesses of each, then actively tell willing paying clients which ones they are and which ones they need to hire immediately. I can assure you that history and science are on my side if you try your best to research the topic any further than a basic ‘left brian vs right brain’ google search. Maybe perhaps the idea that there are hemispheres in the brian that are decidedly involved in different types of thought is sound, but the idea that one is largely dominant in all individuals is demonstrably bogus.

To take things further, the reason I mention this is because I genuinely do think that the analytical, logical, and systematic mind is in fact the same thought factory as the creative, innovative, and artistic one. Some scientific studies have demonstrated that logical puzzle solving triggers the same pleasure centers of the brain as different creative expressions. I’ve also delved before into discussions regarding the nature of where creativity even comes from, and there can be very little room for nurturing creativity without the existence of systems to begin with. So one has to process the understanding of these systems in a logical and analytical way in order to then use them to harness the concept of creativity. I won’t rehash my statements here because I’ve already made another video discussing these ideas in the past, but I will summarize that I do believe that the nature of creativity is nestled between the traditionally understood dichotomy of the left and right brain. 

I am getting distracted.

Creativity is very often a personal journey. It can also prove incredibly fruitful in a much more collaborative environment, but its development and growth and eventual application is often the responsibility of the individual alone. A creative subjects themselves willingly to the rigorous and often unglamorous, repetitive ritual of practice and honing of their skills with close to no external motivating factors other than the simple desire to be better at it. One does not, for instance, practice painting the waves of foam on a sandy beach because it leads to better digestion, or a growth in pectoral muscles. One does not refine their ability to play Beethoven’s Moonlight Sonata because it magically summons comfortable beds into existence, or McDonalds Happy Meals. One masters their craft simply to master it, for no other validation other than the validation of self. Or at least it begins that way. 

This natural introversion is often what stifles the ability of a creative to find any level of social success. We spend far too much time in our own little caves, whittling away at the spear points of our desired craft, spending lengthy periods of time away from the people that we then show up in front of with our sharpest pointy points seeking some kind of approval or recognition of just how pointy our pointy points are. The only problem here being that while we were doing this, the people who we are trying very hard to convince that this in itself is an achievement have been taking their own not so pointy points and using them to actually generate resources and wellbeing for the entire community. Sure, ours is way pointier, but has yet to find a purpose in the thick of it all. 

What often goes unmentioned is that no matter how ridiculous the endeavor is, no matter how unnecessary or impractical our chosen spear point is, no matter how much time might seem wasted whittling away at it while other clearly more productive activities could have been achieved, there lies the instinctive desire to share the products of creativity.

The saying goes, if a tree falls in the forest and none hears it, does it still make a sound? A silly philosophical pursuit, but only because the tree isn’t afforded any agency in the example. The tree does not exhibit any desire to tell anyone else of the noise it has made. 

But if a jazz musician plays the greatest solo in the world in the middle of that forest and nobody is there to hear it, is music still made? Whatever the answer is, you can be sure the musician will refuse to stop telling everyone about it. The strong and human desire to share the creative craft is embedded deep into their natural being. Even in the extreme cases where the creation process ends in the destruction of the final piece, the creative will still call witnesses to the destruction and demise of the piece because that was the whole point of the entire effort. And at the same time, a regular creative with a regular personality and a regular participant in a regular community will quickly note that they should not immediately behave as though whatever they have achieved is in fact the greatest achievement in the history of humanity. That would be bragging, and nobody likes that. The creative also can understand the sheer redundancy of the result when compared with the pragmatism of the rest of the world. So one must ingratiate their creative accomplishments to the rest of the community in order to foster a proper understanding of why the creative thinks the achievement is noteworthy to begin with. I believe the very first attempts to do this were modest. My flailing understanding of history and anthropology suggests that early endeavors such as these were often met with sticks and stones instead of praise. Or at the very least, public scorn. And at the very worst, maybe being burnt at the stake.

Present day climates will prove that the creatives did in fact, very slowly perhaps, successfully ingratiate themselves and their endeavors to the rest of the purely pragmatic crowd, which is very much a reflection of where we find ourselves today. 

At some point in history, the scales do tip in the opposite direction. I suppose it happens as society progresses to higher and higher levels of public health and safety, economic wealth and prosperity, political stability, and all other forms of human progress. Once the hunger meter is kept down, the walls put up to defend against the zombies or whatever, and the fever kept at bay by technology and nutrition, the appreciation for the pointiest of points becomes something not quite so unfathomable as it once was. I believe this is what gives rise to the growth in excellence of leisurely activities like sports, art, cuisine, music, literature, and all other mediums of creative expression. When society no longer has to worry about the things that will quite efficiently bring about its demise, then there is time and space to appreciate the finer things. I do say all of this with no real reason to have any authority on the topic whatsoever, save for the fact that it makes a whole lot of sense in my own brain. 

And so now, instead of being at the bottom end of the societal hierarchy, the creative rises to the top. It is indeed marvelous how pointy the pointy point is. The fact that the creative did in fact spend a ridiculous number of hours refining and honing that previously almost unproductive skill has now become a heralded achievement, an exemplar of hard work and dedication to be followed by all in whatever they do. Suddenly, the achievements of the creative outweigh that which was once of the utmost importance. Where once society perhaps made famous the person who brought home the largest animal of the hunt, now it makes famous the person that makes the largest and most beautiful animal out of clay.

From anonymity to notoriety. From notoriety to glory. There is still a caveat. As I mentioned, the idea of a successful or glorified creative is a statistical super minority. So while it may seem as though the world would be bursting at the seams with all varieties of pointy point whittlers, the reality is that few ever become them. 

I am, however, getting ahead of myself. I’d like to cycle back to the earlier discussion about the introversion that accompanies the creative activity. As mentioned, much of this journey is done in silence, in private, and sometimes in secret. Before the widespread acceptance of creative undertakings, one would not survive the slightest bit of boasting about it. No one would dare proclaim ‘come watch me whittle the pointy point to the pointiest of points!’. Maybe some did, but I would imagine it never went well for them. 

This is where I think the concept of quiet excellence comes from. Because of how bespoke the skill is, and because of how little of its progression is ultimately on display, or because of how little people care generally, the results have to speak for themselves. I will not shout about what I am doing and why I think you should be paying attention, but I will win you over with pure competence. You may not understand why I am painting the ceiling when it is already holding itself up and stopping the weather from coming in, and I will not ask you to pay attention while I am doing it. When I am done with my chapel ceiling, however, you will come to understand the years I poured into this and it will all have made perfect sense.

Quiet excellence is perhaps the biggest weapon in the arsenal of the creative, but it is a razor sharp double edged sword. On the one hand, it effectively validates all the work the creative puts into their craft, all the hours spent doing something that at the time felt completely worthless. On the other, the level of excellence that must be achieved is completely unforgiving. If the chapel ceiling was anything less than Sistine, they would’ve hung dear Michael at the first glance upwards.

And perhaps there is one more layer to this. As a creative individual myself, I have to hold true to the idea that excellence does in fact speak for itself. It must. It does not require advocacy because it is inherently beautiful and valuable and desirable. That has to be true because that is the only thing that drives us to pursue it in the first place. It does not bring nor sustain life in any real tangible manner, but yet it does. It must. And so both components of quiet excellence complement each other because the quiet allows the excellence room to speak, and the excellence doing all the talking enables the quiet. It seems so foundational to almost any creative endeavor.

Even as we progress through the turn of the societal perception of creative undertakings towards acceptance and then marvel, the ideas of quiet excellence seem to continue to ring true. There are countless creatives in all fields pursuing and perfecting their craft, releasing their completed works into the public with little to no pomp and circumstance with the understanding that the excellence will in fact draw in the attention from those who understand it and appreciate it. Excellence will find its audience. Make it amazing, and the masses will know.

If you’re an aspiring creative, this sounds painfully familiar to you. 

With this idea firmly established, we can now return to the idea of success. One of the many trappings of fame and success, especially the kind of widespread success that often accompanies creatives in our current society, is its ability to inspire. Creatives often celebrate the fact that their excellence in any craft inspires another generation of creatives to pursue that same path, to strive for even higher levels of excellence never before seen or achieved by any person. In the present climate of creative acclaim that can potentially be achieved, more and more harbor the aspirations to reach that same acclaim. 

And creatives, at least those that have a belief and understanding in the value of the created work itself instead of value solely in the creator, are more than happy to share their philosophy of how to achieve that success and acclaim. And most of them, based on their own personal experience with the journey towards creative success, share the same story - quiet excellence. There are many reasons to want to preach this philosophy, not just the simple fact that it is true. One of them is the fact that loudness doesn’t play very well with projected excellence. Most of the time, loudness is the compensation for the lack of excellence, much like loud cars and small dicks. Another is simply because of the amount of time spent in the honing and refining period, the ecosystem of the creative universe greatly benefits from the relative quiet. While I would dare say that most activities in life would certainly benefit from an overall atmosphere of quiet no matter what, the need to be unbothered by circumstances and surroundings in order to focus on the creative task at hand is particularly intertwined with this quiet nature. To foster this quiet atmosphere is not only in the interest of the end results of that quiet, but it is also for the sake of the other creatives in the ecosystem. Yet another reason to perpetuate this mantra of quiet excellence would be the fact that the perception of a particular creative endeavor is often formed around the perception of the people involved in that endeavor. And loudness tends to also be associated with a lack of seriousness, or a lack of respect. No creative would wish for the presence of loud individuals in their creative community after having spent a significant amount of time trying to legitimize the quality of the creative work through quiet excellence. We must pause here and ask a very obvious question - is there not such a thing as loud excellence? 

Yes, there is, but think of how exactly you perceive an individual who is both loud and excellent. You almost begrudgingly accept whatever accomplishments come from that individual. You might even brush them off as lady luck’s inebriated patronage due to the sheer size of the ego in question. You’d be looking for every fault in their work to be able to call the achievements into question. You’d be waiting and watching to see the moment of their supposedly inevitable collapse. And even if they continue to prove you wrong with their success, you don’t accept it. Not willingly anyway, and certainly not with the same level of respect. This is why it is so important to preserve this notion of quiet excellence.

And of course the other end of the spectrum would be quiet mediocrity, which is more commonly known as just being ordinary. And the last of the four quadrants would be loud mediocrity, which is associated with buffoonery. Or politicians.

To take this concept and apply it to the most current arena of creatives and aspiring creatives, we can look to the world of social platforms and content creators. We will have to gloss over many of the talking points with regards to older distribution media and gatekeeping and the debate surrounding the democratisation of internet media and whether or not it is a net positive or negative for the world. We will instead accept our reality and focus instead on the pathway to this new level of creative success as demonstrated by its largest contributors. This will, however, not be our single example in part two of where I’m taking this train of thought because the exploration of how the philosophy of quiet excellence has seemingly been abandoned by the population at large does not only demonstrate itself within the arena of internet media but in all creative fields. 

Before we get there, I will conclude this first section with the note that most creators with any level of recognition on the newest of these platforms, especially those who were early into the space and brought with them traditional practices and values associated with their creative fields, when asked about the path to their success often cited the philosophy of quiet excellence, or at the very least some variation of it. Make something good and it will find its audience. Like a Monty Oum that released a Dead Fantasy into the world without also skywriting the URL across the Rhode Island sky, or a Roosterteeth for that matter that released a RvB without any real means of making sure people watched it other than by the reputation of its quality alone. But even beyond the confines of the internet, you will hear this story repeated again and again as aspiring creatives seek out the advice of their heroes who have achieved a level of success they’d like to replicate. That one burger stall that just made the best burgers they ever could instead of splashing their advertisements across every possible square inch of New York subway hallways. The musician that spent their years quietly honing their skills in front of smaller audiences right before getting their big break in the industry. The comedian that slogged away night after night refining and honing that simple ten minute set till it was absolute perfection finally receiving critical acclaim for their Netflix special. It’s the same story over and over. Head down, nose to the grindstone, get good at what you do, and the success will follow. 

But how true is this really? 

My position is biased. I must admit to this fact and the context I provided for my own creative endeavors is to confirm this in your opinion of me, not to hide it. But I am also abjectly aware of the existence of confirmation bias and echo chambers which allows me to openly observe and welcome the opposing opinion. I invite it into my cage of belief and I wrestle with it to see if my opinions are as robust as I claim them to be. This is no different.

Where do we even begin to chart the steady decline of the foundational principle of quiet excellence? I might be tempted to throw the blame at the rise of the advertising industry. And yes it is very much an industry in every sense of the word. I view it as a great machine of a thousand moving parts with terrifyingly dangerous appendages, clothed in billows of nefarious poison smoke with a heart of glowing uranium at its center sending shades of comically green radiation through its evil eyes or whatever a machine’s interpretation of a face would be. A machine that has dug its tendrils into so many facets of our lives and integrated itself into the very living structure of the world that it is nigh impossible to be rid of it no matter how much we may despise it. My language might suggest that I do indeed blame this machine. Fine, I’ll admit it. I do blame it. It is somewhat hilarious to me that some of the earliest discovered examples of any kind of advertising were tied to political undertakings. Advertisements for political campaigns were found in the ruins of Pompeii and Arabia. As already sardonically alluded to, politics is perhaps in the exact opposite quadrant of the quiet excellence of the creatives. And so it would be in fact the poison of the industry associated with politics that subverted that once highly regarded philosophy. Even if we will not blame politics for once, the great machine of advertising served only one master - capitalism. The growth of wealth quickly became the pursuit to end all pursuits. You can rationalise the necessity of this great evil by demonstrating how population growth and increase in demand needed a facilitator to connect them to the supply. The one thing about quiet excellence is that it requires patience because while the excellence does speak for itself, the quietness makes the process a lot slower. And a slow pace is not exactly the recipe for the expedited growth of wealth. So what was recommended instead was a high pitched shriek that would spread far and wide, piercing through the opacity of the masses and signalling to all to ‘buy this shit right here because the money you give me will undoubtedly make your life that much better’. 

As you can tell, this runs counter to the idea of quiet excellence just as much as our political advertising example. The concept of making something so good that it warranted someone else’s attention was quickly replaced by the idea that you could grab their attention first, then use whatever means you could to convince them that what you had was good, whether it was or not. The rise of the industrial machine of advertising was further fueled by the rise of industry itself. The printing press turbocharged the ability for advertising to shriek louder than it had ever done before. And radio and television transmission gave the shrieking beast a microphone hooked up to that comically large speaker in Back to the Future. Then good old Ronald Reagan shoved it speedingly down a hill before it soared off the ramp that is the internet. 

What makes the story ever more tragic is the fact that this worked. The advertising industry won. They successfully convinced not just the general public, but every single industry out there including the creative ones, that they held the keys to success and they could bring upon all of us the wealth of kings. They turned the creators into vendors and hawkers, the creations into products, and the public into consumers, all beholden to the singular power of money. 

Businesses became popular not on the strength of their excellent products, but by the loudness of their advertising campaigns. Food chains drummed up success by engaging the efforts of the parasitical influencers that plague our society instead of simply making the best cuisine they could. Film production companies spent equal amounts of resources on making the actual artistic work as they did marketing said artistic work, shouting it to the entire world and plastering their teal and orange posters on every available inch of public real estate. Offer your sacrifices to the great mechanical beast called advertising and it will reward you with riches beyond your wildest imagination. Such was the new message preached.

This toxicity might have found its place among the fight for the consumers’ attention, but its perforation into the world of creativity is where it manifests its ugliest head. Where sales of food and clothing and other more regular products might not have necessarily needed to embrace the philosophy of quiet excellence due to their nature of being fundamental necessities, the non-essential creative endeavor almost certainly did. Quiet excellence was the creative’s way to win over those unfamiliar with the practice in question. It was exactly because it was not shrieked that it was accepted and eventually revered. The beast of advertising would disagree. The all consuming machine added creative work to its menu and reduced it to a mere product, another thing that can simply be sold. 

The larger problem with this is that it is a tantalising proposition. Creative endeavors require resources, not just in the form of personal sacrifices by the creative individual. While the pursuit of the creative endeavor is rewarding in of itself and is often the main motivating factor to the creative, the reality is that sustenance still comes in the material form and the creative is still housed in a squishy human body which rather unfortunately does not run on grass. The more money made, the more creative endeavors can be undertaken. Unfortunately this isn’t even the end of it. It is already beguiling enough given the fact that most creatives are often so deeply engrossed in the process of being creative that they often forget or forsake their own personal requirements, sometimes as plain as forgetting to shove calories into their bodies. No, the poisonous words of the advertising machine go far deeper than that. They whisper into the ear of the creative much like Wormtongue does into the ear of Theoden, telling them that if they’ve worked so hard on something and spent all that time and energy and money taking it to the highest levels of excellence that they can achieve, then people ought to know. It would be a shame if nobody knew of this delicious bowl of ramen that you’ve perfected over the last 10 years. It would be a waste if your months of work on that chainsaw carving went unseen by the public. Your creative accomplishments deserve to be noticed by as many people as possible. We can help you with that. 

So the contract is completed, the unholy marriage of creativity and business conducted and consummated. Sell your upheld values of quiet excellence and in return receive all the validation and praise and glory and wealth that you truly deserve. And more, perhaps.

The ecosystem of creativity has been invaded by successful harbingers of loud mediocrity. Maybe that’s a little harsh, but there is definitely now a departure from the corner of quiet excellence and a significant representation of the entire spectrum from quiet to loud. The noise level increases exponentially, and the only way to fight it is with equivalent noise. Where once the preachers of quiet excellence cultivated a community of modesty and quality, the esteemed halls of creativity have now been turned into shouting matches, all vying for attention whether deserved or not. Consumerism falls victim to these shouting matches, believing that the loudest voices are the ones to be paid the most attention. The discerning individual is still able to appreciate the practitioners of quiet excellence but it requires a dedicated level of seeking in order to find them buried under the sea of noise. 

The creatives are told to maintain a social media profile, to post regularly and capitalise on the most recent of trends. They are told to learn how to market themselves because it is the only way to gain any level of success in the modern world. They are told that it is now of equal importance to both learn the art of the craft and learn the art of selling the craft. The creatives are told to document the process as the consumer seeks for some notion of authenticity in the sea of noise, not realising that the notion of authenticity has already become part of noise. The creatives are shown metrics to convince them to participate in the many algorithmically driven advertisement campaigns on multiple platforms. The creatives are told that if you do not do these things, it does not matter how excellent you are.

The ironic thing is that the more the creatives embrace this loudness, the more the excellent part of it also goes away. What we find is that not only are the practitioners of quiet excellence consistently being outnumbered, but those that abandon their notion of quiet also forgo their excellence and become one of the enemies. Just like zombies. Every death is not just a reduction in our numbers, but an increase in theirs. 

And this is where we find ourselves today. In a world of celebrated mediocrity. The Noodle House that is perfectly average generating queues of hundreds of people each day because some self declared Key Opinion Leader said that it was the best that they ever had. The musician who plays covers of songs that anyone could with a moderate amount of practice getting millions more views than some of the most established artists in the world simply by throwing on a metric ton of makeup and showing a little bit more skin in their constant Instagram flooding. The 5 minute craft ideas that objectively contain more lies than truth outshining genuine craftspeople because they have an army of robots promoting their garbage across hundreds of channels. The plastering of celebrity over every conceivable consumer product just so it can outsell everything around it regardless of quality.

If ever there was a nightmare universe for creatives, this would be it.

The temptation to succumb to the noise and participate in it is all too palpable. There is no other way. Fuck it, I’ll make an Instagram page. 

I am tempted to end this here because my love of bleak narratives and my genuine enjoyment of any kind of subversion of a happy ending makes this the perfect point to end this already unnecessarily long and nearly incoherent ramble. But I cannot. Because there is another way. It has been staring at us the entire time. Quiet excellence. 

It has to still be true. It must. I have to believe it. I must believe it. I do believe it. The world is wrong. Despite how often it seems to be right.

If you’re a struggling creative, then I shall attempt to be your balm in this nonsensical world you find yourself in. I shall be a guardian of the beacon of hope for those of you who despise how necessary it seems to immerse yourself in the commerce of your creativity. I shall be your refuge from the endless social media platforms accosting you and demanding your presence there. Together we shall hold our middle fingers high and wave them at fucking Tik Tok. 

I choose to believe that excellence still does speak for itself and those that will listen to it are the only people that I really should care about. Even if those people are solely my wife and my mom, then so be it. The great Bill Waterson wrote that his endeavors were always for the amusement of his wife, Melissa, and himself. I choose not to prostitute myself on the streets of consumerism. I will hide within the walls that keep me safe while I whittle away at my pointy point. Those that hear the sound of my tinkering, smell the dust from my tools, and see the sparks of joy firing out from the space under my door, they shall be my audience and them alone. Our pledge to quiet excellence is ultimately an exploration of how we determine our own success, and whether we finally choose to conform to how the world defines it. As long as the success of creativity and the arts is in how pointy the pointiest of points is, then quiet excellence will forever be your sacred home. The success of a creative endeavor should never be defined by how many people perceive it to be so. Many will say that the excellence of something as ephemeral as creativity and art is far too subjective to have any kind of quantifiable metric. These are the same people trying to uphold the unholy marriage of business and creativity, of commerce and art. 

But that is not my only retort. I believe that creative excellence can be quantified. And it can be quantified in very similar metrics. The only danger is that they may sometimes seem so similar to those opposed to quiet excellence that one is tempted to argue that they might as well be the same thing. But it is not. Where one uses the simple metric of eyeballs and popularity and clothe it in the veneer of something seemingly more meaningful like ‘engagement���, there is in fact a metric of true engagement. The engagement metric that ought to matter must also be accompanied by the scale of difficulty through which that engagement manifests. 

Engagement in the form of a ‘like’ on Facebook or a comment on Youtube, or an upvote on Reddit, is far too cheap for it to count for anything. It is perhaps why the faceless algorithm sees positive and negative feedback as the same thing for the cost to do so is near nothing that any value in the content of that engagement is rendered completely worthless. When the cost becomes realised, however, the actual content of the engagement becomes something worth taking into account. Let us, for example, put an arbitrary price on the ability to leave a comment on this very article. Ten dollars. Only then can you say whatever you want about this nonsense here. If anyone chooses to pay such a toll simply to have their opinion on a matter heard, then the opinion suddenly becomes something far more serious than one thrown around for free, whether positive or negative. 

Of course the problem with using this as an example is that the currency of, well, currency is quite a bit broken in our world today due to the imbalanced nature of global economics. There are people with certainly far too much money that would not consider this toll to be of any value at all and would gladly pay it to leave a poo emoji behind, or a real turd if they could. Then there are many who would desire to engage in a positive way that do not have the resources to do so and their opinions are certainly no less valuable than an expensive poo emoji. So while the idea of putting a price on engagement should not be taken seriously, the principle behind the idea still stands. The value of engagement must be weighed according to the cost or difficulty through which it manifests.

A loving piece of fan-art crafted by an ardent follower of a fantasy series over hours and hours of painstaking labor is by far more valuable than any number of anonymous clicks on any social media platform. An audience member that waited the extra thirty minutes into the night to make sure they could say how wonderful the show was to the performers on stage far exceeds the value of twenty thousand likes on a youtube video. The person that strikes up a conversation to know every detail about a handmade item when buying it. That one evangelist that organizes group outings to their favourite restaurant just so they can see their friends experience what they know is amazing for the first time. The host of a watch party for one of their favourite movies that did not get much attention or screenings in their area. 

The appreciation of quiet excellence is as expensive as quiet excellence itself. Or at least it should be. Only then does it carry any weight at all. 

This is the metric through which the excellence of creativity ought to be measured, to hell with what everyone else says. All other metrics serve to measure the excellence of the marketing of creativity, not the excellence of the creativity itself, and as creatives we are in service to the excellence of the creative work and it alone. Nothing else. 

The world rejects this metric. Most of what we know of how the world chooses to function these days has been corrupted by materialism and capitalism. There are no metrics for humanity, no metrics for empathy and compassion, no metrics for morality or charity, no metrics for humility or responsibility. The reductive power of wealth and money has rendered all other objectively measurable qualities inconsequential, or worse, undesirable. It is why basic human rights and living conditions are so easily sacrificed for the sake of making a green number bigger. 

We must reject this rejection. And if we search deep within the heart and soul of a creative, deep into the very essence of what birthed the creative to begin with, we find that the natural proclivity of all creatives is towards creativity for the sake of itself, nothing else. Creatives start out this way, we all know this to be true. Any diversion from this model is but a corruption of the creative entity, succumbing to the overwhelming power of undeserving external forces that demand to be exalted above the creative endeavor. It is a betrayal to turn away from the desire to excel in our creative field for the sake of fucking TikTok views. 

So this is where I choose to make my stand. While many aspects of the global ecosystem have no appreciation whatsoever for any kind of quiet excellence in any field, while it continually rewards the marketing of creativity as much as or sometimes more than the creativity itself, while every example of definable success around us is a ratification of the unholy marriage of commerce and art, I choose not to participate in it. I am a servant of my own creativity. I will abandon all else for the sake of its excellence. No ounce of energy will be spent on any amount of noise, any amount of boasting, any amount of sales and marketing. I will believe the creative work speaks for itself. I must. 

This is perhaps where the stones will come. This is perhaps where I will be labeled as a sanctimonious prick, perhaps deservedly so. Many would call this bitterness, jealousy and envy towards the rewarding harvest of loud mediocrity. The fear of such labels is real. It reminds us of the time long ago when the whittling of the pointiest points would have drawn scorn from the ones actually keeping society alive. And this is where quiet excellence once again is the answer. For as long as I remain quiet and hidden away, the stones will never land. The labels will be on my closed door, not on me. It is quiet excellence that becomes the shield against persecution for appearing to be such self aggrandizing creatives. 

Perhaps the writing of this rant is in itself dissonant from the principle of quiet excellence that I profess to uphold. But it is also the fact that few will ever read this and I have no real desire to shout this in any public square that demonstrates my willingness to embrace the quiet. And I will take the opportunity to ask that you embrace the quiet yourselves. The idea that creative work is its own reward is the guiding light that allows for its continuous growth and survival, and its biggest detractor is the idea that the creative work inherently deserves to be seen and it is by this singular metric of visual appreciation that success be defined. This is a lie, despite how practically true it may seem right now. 

The desire for recognition and validation is impossible to separate from creativity, but it must not supercede the desire to undertake the endeavor for the sake of the undertaking. This will be what defines a true creative from those who start their creative journey with a pre-existing determination of success already written on the white board of achievables and goals. This isn't a gesture of gatekeeping, nor a cynical and judgemental discrimination against the many other creatives in the space today, nor is it even a coping mechanism for my comparative lack of success by the metrics of the world, but it is a plea for the sake of creative endeavors across all mediums. It is time to end the slop. 

This idea will flow into many other conversations, like the one surrounding the proliferation of artificial intelligence in the mediums of creativity, or the destruction of creative livelihoods by vast corporations and streaming platforms. As the monetization of art continues to be at odds with the art in question, the artist’s only remaining course of action is not to combat it, but to dissociate. The war cannot be won, it must be abandoned. Some would consider that defeat, succumbing to the continued rise of democratized platforms that reduce all artforms and creative endeavors into pleas for popularity and turn creatives into slaves of sales and marketing. The admission that it is but a necessary evil is perhaps a concession that is already far too compromising. Perhaps that is the line that must be drawn, no matter how many have already gone past it. Much like how the poison of ubiquitous media in the world of political truths and propaganda has slowly awakened us to the reality that one cannot win the fight against untruth with truth alone, the poison of the overwhelming success of the loud mediocrity in the world of creativity has shown us that you cannot fight the flood of this mediocrity by producing excellence in its territory. You can't flood the platforms with the highest quality of creativity, hoping that it would eventually tip the scales of the algorithm and prevent it from promoting the slop. That too is part of the lie, that we can make the platforms better overall by simply making better art on it. 

This has to end somewhere. 

A successful creative is almost an oxymoron. But perhaps we ought not to even care about what defines the success of a creative and indulge in the creativity alone. Perhaps there doesn't need to be such a thing as success when we consider creative fields. Perhaps it is time to try and divorce the union of art and commerce. We may be shackled to the monster of capitalism but to hell with trying to be its roommate. Like a monk retreating to the mountains in search of tranquility and enlightenment, I shall retreat to my hallowed halls of quiet excellence. And if I should die without the recognition I am told to hunger for, then I shall die without it. But I will have submitted into the world a pointy point which has never been seen or conceived of before, and that will be enough. 

[biz2loanfinance]

Which Loan is Better for Starting a Small Business

Starting a small business can be both exciting and challenging. One of the most crucial steps in launching your business is securing the right type of funding. Various loan options are available, but which one is the best for you? Here’s a breakdown of the top loan types to help you make an informed decision.

1. SBA (Small Business Administration) Loans

SBA loans are government-backed loans designed to assist small businesses. They typically offer lower interest rates and longer repayment terms than traditional loans, making them an excellent option for new business owners. However, SBA loans can be more difficult to qualify for, and the approval process may take longer.

Best For: Businesses with good credit and a solid business plan.

2. Business Line of Credit

A business line of credit gives you flexibility. Instead of receiving a lump sum, you can borrow as needed up to a pre-approved limit. You only pay interest on the amount you use, making this a great option for managing cash flow and unexpected expenses.

Best For: Businesses that need ongoing access to capital.

3. Equipment Financing

If your business requires expensive equipment to get started, equipment financing might be the right choice. This type of loan allows you to borrow money specifically for purchasing equipment, with the equipment itself often serving as collateral.

Best For: Businesses that rely heavily on equipment, such as manufacturing or construction.

4. Merchant Cash Advance (MCA)

A Merchant Cash Advance provides a lump sum in exchange for a percentage of your future credit card sales. While it’s quick to access, this option typically comes with higher fees and shorter repayment terms.

Best For: Businesses with consistent credit card sales but low credit scores.

5. Working Capital Loans

A working capital loan is designed to finance the daily operations of your business. This loan can be used for things like payroll, rent, and utilities. It’s typically short-term and is perfect for businesses that need quick cash to maintain their operations.

Best For: Covering day-to-day expenses or short-term cash flow needs.

6. Term Loans

Term loans are a straightforward option where you borrow a fixed amount and repay it over a set term, typically with a fixed interest rate. These loans can be tailored for short or long-term needs and are ideal for starting a small business that requires a specific amount of capital upfront.

Best For: Businesses needing a large, one-time capital infusion.

How to Choose the Best Loan for Your Small Business

Choosing the right loan depends on your business needs, financial situation, and long-term goals. At Biz2loan, we specialize in helping small businesses find the perfect funding solution. Whether you need a working capital loan to get started or a term loan to expand, we’re here to guide you every step of the way.

[sabanmoon]

Bombed an excel test because I didn’t know how to increase by percentage or cut and paste while preserving formulas referencing shit in other sheets.

Here’s a list of things I can fucking do though:

-vlook up

-pivot tables

- a variety of if formulas including count, sum, and average

-create a shit ton of charts and tables

[zorbasmedia]

Top 30 Excel Formulas and Functions You Should Know

Microsoft Excel stands as a powerhouse, and at the heart of its prowess lies a tool that transforms raw data into meaningful insights — Formulas. These dynamic instructions, initiated with the humble equal sign (=), unleash a spectrum of functions, from basic arithmetic operations to intricate statistical analyses.

Join us on a journey to unravel the mysteries of Microsoft Excel Formulas, where we’ll delve into their diverse functionalities, explore how they automate tasks, and understand their pivotal role in data analysis and manipulation.

What is an Excel Formula?

In Microsoft Excel, a formula is more than just an equation; it’s an expression that operates on values within a range of cells. These formulas execute calculations, from basic arithmetic operations like addition and subtraction to more complex tasks such as calculating averages, percentages, and manipulating date and time values.

In Microsoft Excel, both formulas and functions are essential tools for performing calculations and manipulating data within a spreadsheet. While the terms “formula” and “function” are often used interchangeably, they have distinct meanings in the context of Excel.

Excel formula: a formula in Excel is an expression that performs a calculation on values in a range of cells. Formulas can be simple or complex, involving various mathematical operations, cell references, and functions. Formulas always begin with an equal sign (=), indicating to Excel that it should interpret the following characters as a formula. For example, a simple addition formula to add the values in cells A1 and B1 would be written as =A1 + B1.

In essence, a formula is a user-created instruction that Excel follows to calculate a result based on the provided data.

Excel function: a function, on the other hand, is a predefined formula built into Excel. Functions are designed to perform specific tasks or calculations and are categorized into various types, such as mathematical, statistical, logical, text, date and time, and more. Functions are like ready-made tools that users can utilize to simplify complex calculations without having to write out the entire formula manually.

Functions are typically written with a specific syntax and may have arguments (input values) that define their behavior. For example, the SUM function is used to add up a range of values. The formula =SUM(A1:A5) would sum the values in cells A1 through A5.

Differences: The key difference lies in their origin and nature:

Formula: It is a user-created expression or set of instructions for performing calculations.

Function: It is a predefined operation or task built into Excel, designed to simplify common calculations.

In summary, while all functions are formulas, not all formulas are functions. Formulas encompass a broader range of expressions, including those that users create themselves, whereas functions specifically refer to predefined operations provided by Excel for various tasks.

How to use formulas in Excel

Choose a cell: Select the target cell for your calculation.

Enter an equal sign (=): Initiate the formula with the equal sign.

Enter the address of a cell or select from the list: Specify the cells involved in the calculation.

Enter an operator: Use operators like +, -, *, / for your mathematical operations.

Press Enter: Execute the formula.

Basic Arithmetic Operations

Click on the cell where you want the result to appear.

Type the equal sign (=).

Enter the formula using cell references and operators (e.g., =A1+B1).

Using Functions

Excel provides numerous built-in functions for various purposes (e.g., SUM, AVERAGE, IF).

Type the equal sign (=).

Start typing the function name (e.g., =SUM().

Enter the range or values the function should operate on.

Close the function with a closing parenthesis.

AutoSum Feature

Select the cell below or to the right of the data you want to sum.

Click the AutoSum button (Σ) on the toolbar.

Excel will automatically suggest a range. Press Enter to apply the formula.

Common Excel Functions

SUM: Adds up a range of numbers (e.g., =SUM(A1:A5)).

AVERAGE: Calculates the average of a range (e.g., =AVERAGE(B1:B10)).

IF: Performs a conditional test and returns different values based on the condition (e.g., =IF(A1>50, “Yes”, “No”)).

VLOOKUP: Searches for a value in the first column of a table and returns a value in the same row (e.g., =VLOOKUP(“ProductX”, A1:B10, 2, FALSE)).

Dragging and Copying Formulas

After entering a formula, you can use the fill handle (a small square at the bottom-right corner of the selected cell) to copy it to adjacent cells.

Click and drag the fill handle to cover the desired range.

Absolute and Relative References

Relative Reference: When you copy a formula, cell references adjust relative to their new location (e.g., A1 becomes B1 if you copy the formula one column to the right).

Absolute Reference: Use a $ sign before the column or row reference to make it absolute (e.g., $A$1 won’t change when copied).

Error Checking

Excel provides error checking features. If a formula contains an error, a small green triangle appears in the top-left corner of the cell. Click on it for options to correct the error.

Formula Auditing Tools

Excel offers tools like Trace Precedents and Trace Dependents to visualize and understand complex formulas.

By following these steps, you can effectively use formulas in Excel to perform calculations and analyze data in your spreadsheets.

Top most useful MS Excel formulas

SUM

The SUM formula is fundamental, adding up all the numerical values within a specified range. This is useful for calculating totals, such as the sum of sales figures or expenses in a given period. Formula: =SUM(range)

AVERAGE

AVERAGE computes the mean of a range of numbers, providing a quick way to assess the central tendency of a dataset. It is commonly used to find the average score or rating. Formula: =AVERAGE(range)

COUNT

COUNT tallies the number of cells in a range containing numerical data. This is handy for tasks like counting the number of completed tasks in a to-do list. Formula: =COUNT(range)

MAX

MAX identifies the highest value in a range, helping users find the peak performance, maximum sales, or the highest recorded temperature, for instance. Formula: =MAX(range)

MIN

On the flip side, MIN locates the lowest value in a range. It’s useful for finding the minimum stock levels, lowest test scores, or minimum temperatures. Formula: =MIN(range)

IF

The IF formula introduces conditional logic into Excel. It returns one value if a given condition is true and another if false. For example, it can be employed to categorize students as “Pass” or “Fail” based on their scores. Formula: =IF(logical_test, value_if_true, value_if_false)

VLOOKUP

VLOOKUP searches for a value in the first column of a table and returns a corresponding value from another column. This is often used for tasks like retrieving product prices based on product codes. Formula: =VLOOKUP(lookup_value, table_array, col_index_num, [range_lookup])

HLOOKUP

Similar to VLOOKUP, HLOOKUP searches for a value in the first row of a table and returns a corresponding value from another row. It’s useful when dealing with datasets organized horizontally. Formula: =HLOOKUP(lookup_value, table_array, row_index_num, [range_lookup])

INDEX and MATCH

INDEX and MATCH together offer a powerful alternative to VLOOKUP. INDEX returns the value in a specified row and column intersection based on the MATCH function, allowing for more flexible searches. Formula: =INDEX(return_range, MATCH(lookup_value, lookup_range, 0), MATCH(lookup_value, lookup_range, 0))

CONCATENATE

CONCATENATE joins together two or more text strings. This is useful for combining first and last names or merging text with predefined phrases. Formula: =CONCATENATE(text1, [text2], …)

LEFT

LEFT extracts a specified number of characters from the beginning of a text string. For instance, it can be used to extract area codes from phone numbers. Formula: =LEFT(text, num_chars)

RIGHT

Conversely, RIGHT extracts a specified number of characters from the end of a text string. This is handy for capturing file extensions from filenames. Formula: =RIGHT(text, num_chars)

LEN

LEN returns the number of characters in a text string. It’s beneficial when you need to limit the length of input in a cell, such as for usernames or passwords. Formula: =LEN(text)

TRIM

TRIM removes extra spaces from a text string. It’s useful for cleaning up data, especially when dealing with imported or copied text. Formula: =TRIM(text)

LOWER

LOWER converts text to lowercase. This can be helpful for standardizing text data, ensuring consistency in naming conventions. Formula: =LOWER(text)

UPPER

Conversely, UPPER converts text to uppercase. It’s useful for making text stand out or adhering to specific formatting requirements. Formula: =UPPER(text)

PROPER

PROPER capitalizes the first letter of each word in a text string. This is beneficial for enhancing the presentation of names and titles. Formula: =PROPER(text)

IFERROR

IFERROR is employed to handle errors in formulas. It returns a specified value if a formula results in an error, ensuring that error messages are replaced with more user-friendly responses. Formula: =IFERROR(formula, value_if_error)

COUNTIF

COUNTIF counts the number of cells within a range that meet a single condition. This is valuable for situations where you need to quantify occurrences based on a specific criterion. Formula: =COUNTIF(range, criteria)

SUMIF

SUMIF adds the cells specified by a given condition. For example, it can be used to calculate the total sales for a particular product. Formula: =SUMIF(range, criteria, [sum_range])

COUNTIFS

COUNTIFS extends the functionality of COUNTIF, allowing users to count cells based on multiple conditions. This is useful for more complex data analysis tasks. Formula: =COUNTIFS(range1, criteria1, [range2, criteria2], …)

SUMIFS

Similar to COUNTIFS, SUMIFS adds cells based on multiple conditions. This is often used for intricate financial or sales analyses. Formula: =SUMIFS(sum_range, range1, criteria1, [range2, criteria2], …)

DATE

The DATE formula returns the serial number of a date. It’s helpful for various date-related calculations and is often used in conjunction with other date functions. Formula: =DATE(year, month, day)

NOW

NOW returns the current date and time. This dynamic function is useful for tracking when a particular calculation or data entry occurred. Formula: =NOW()

TODAY

TODAY, in contrast to NOW, returns only the current date. It’s frequently used for date stamping or for calculating durations. Formula: =TODAY()

TEXT

TEXT converts a value to text in a specific format. This is useful for presenting dates or numbers in a more readable or standardized way. Formula: =TEXT(value, format_text)

IFNA

IFNA is used in combination with VLOOKUP to handle #N/A errors. It returns a specified value if the VLOOKUP result is not available, preventing error messages from disrupting the spreadsheet. Formula: =IFNA(value, value_if_na)

OFFSET

OFFSET is a versatile formula that returns a sum of a specified number of rows and columns from a starting cell. It’s useful for dynamic range calculations. Formula: =OFFSET(starting_cell, rows, columns, [height], [width])

INDEX-MATCH-MATCH

This combination of functions is an advanced alternative to VLOOKUP and HLOOKUP. It allows users to find a value at the intersection of a specified row and column based on two matching criteria. Formula: =INDEX(return_range, MATCH(lookup_value1, lookup_range1, 0), MATCH(lookup_value2, lookup_range2, 0))

HYPERLINK

HYPERLINK creates clickable links in Excel. This is useful for creating navigation within a spreadsheet or linking to external documents or websites, enhancing the interactivity of the spreadsheet. Formula: =HYPERLINK(link_location, [friendly_name])

These Excel formulas cover a broad range of functionalities, from basic arithmetic and text manipulation to complex data analysis and lookup operations. They are essential tools for users working with data in various capacities.

Conclusion

Embarking on the journey of Excel formulas opens doors to a realm of unparalleled data manipulation and analysis. In the intricate dance of numbers, Excel emerges as the choreographer, and formulas, its nimble performers, transform raw data into valuable insights. From the fundamental SUM to the sophisticated INDEX-MATCH-MATCH, these formulas orchestrate a symphony of calculations, ensuring efficiency and precision in every keystroke.

Excel’s prowess lies not just in its computational abilities but in its user-friendly interface that empowers individuals, irrespective of their mathematical prowess, to delve into the depths of data manipulation. Each formula, an instrument in this orchestra, brings a unique set of capabilities, allowing users to craft tailored solutions for diverse tasks — from simple arithmetic to complex lookup operations.

The journey doesn’t end here; it evolves with every new formula mastered and every data challenge conquered. Excel, with its arsenal of functions, becomes not just a spreadsheet software but a dynamic toolkit for those seeking to navigate the vast seas of data. So, embrace the power of formulas, chart your course through the Excel landscape, and let each formula be a stepping stone toward data mastery.

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[rohankadam]

Simple Home Loans for First-Time Buyers

For many across India, buying a first home is a lifelong dream. However, the process of securing a home loan can often seem daunting, filled with complex jargon and endless paperwork. If you're a first-time buyer, the good news is that lenders are increasingly simplifying the journey to make homeownership more accessible.

This article breaks down how to navigate the world of home loans with ease, helping you understand what to look for to ensure a simple and stress-free experience.

Understanding "Simple" in Home Loans

For a first-time buyer, "simple" doesn't mean automatic approval for everyone, but rather a process that is:

Transparent: Clear communication of all terms, conditions, and costs from the outset.

Understandable: Jargon-free explanations of processes, eligibility, and repayment.

Streamlined: Minimal paperwork and a quicker application-to-disbursal timeline.

Supportive: Accessible guidance and customer service throughout your journey.

Key Features of Simple Home Loans for First-Time Buyers:

Easy-to-Understand Eligibility Criteria: While home loans require a stable financial profile, simple loans focus on making the criteria easy to understand and meet.

Stable Income: Lenders look for consistent income (salaried or self-employed) to ensure repayment capacity. For salaried individuals, a steady job with a reputable employer is key.

Good Credit Score: A CIBIL score of 750 or higher is generally considered excellent, as it signals financial discipline and often unlocks the best interest rates. If your score is slightly lower, lenders might still consider your application, but the rates could be comparatively higher.

Age and Nationality: Typically, Indian residents aged between 21 and 65-70 years (at loan maturity) are eligible.

Assistance with Government Subsidy Schemes (PMAY):

For many first-time buyers, especially in the affordable housing segment, government schemes like the Pradhan Mantri Awas Yojana (PMAY) are crucial. Simple home loan providers will guide you through the eligibility criteria for PMAY's Credit Linked Subsidy Scheme (CLSS), which can significantly reduce your interest burden. This scheme targets specific income groups (Economically Weaker Sections, Low Income Group, Middle Income Group) and offers subsidies on interest.

Important Note: The PMAY CLSS benefit is primarily for first-time homebuyers who do not own a pucca house in their name or the name of any family member across India.

Digital-First Application Process:

Online Portals & Mobile Apps: Many banks and Housing Finance Companies (HFCs) now offer comprehensive online application forms, allowing you to apply from anywhere in India, using your smartphone or computer.

e-KYC & e-Sign: Expect seamless Aadhaar-based e-KYC for identity verification and digital signing of documents, significantly reducing the need for physical visits.

Streamlined Document Uploads: You'll typically upload scanned copies or clear photos of your PAN, Aadhaar, income proofs (salary slips, bank statements, IT Returns), and initial property documents directly through the portal.

Clear and Transparent Costs:

Interest Rate: Lenders will clearly state the interest rate (often floating, linked to an external benchmark like the RBI's repo rate). Ensure you understand the Annual Percentage Rate (APR), which includes all loan costs, for a complete picture of the borrowing expense. (As of June 2025, home loan rates generally start from 8.35% p.a. for strong profiles).

Processing Fees: The charge for processing your loan. This should be clearly stated as a percentage of the loan amount or a fixed sum.

Other Charges: Understand any legal verification fees, technical valuation fees, or pre-closure charges (many floating rate home loans have no pre-closure charges after a few EMIs, which offers great flexibility).

Accessible Customer Support:

A simple home loan journey includes readily available customer support. Look for lenders with dedicated helplines, responsive email support, or accessible digital channels to address your queries at every step of the process.

Finding Your Simple Home Loan Across India:

Start with Major Banks: Reputed public and private sector banks like State Bank of India (SBI), HDFC Bank, ICICI Bank, Axis Bank, Union Bank of India, and Bank of Baroda are popular choices. They offer competitive rates and often have dedicated teams to assist first-time homebuyers, along with robust digital platforms.

Explore Reputable Housing Finance Companies (HFCs): Companies like LIC Housing Finance, PNB Housing Finance, and Bajaj Housing Finance specialize in home loans and often have tailored products for first-time buyers, along with efficient digital processes.

Utilize Online Aggregators: Websites like Paisabazaar.com and BankBazaar.com allow you to compare offers from multiple lenders based on your eligibility, helping you find the simplest and most affordable option by comparing rates, fees, and terms side-by-side.

Consider Government-Backed Initiatives: Inquire specifically about PMAY CLSS benefits from various lenders, as many facilitate this crucial scheme for eligible first-time homebuyers.

Tips for First-Time Buyers for a Simple Process:

Prepare Your Documents: Have all your KYC, income, and property documents organized and ready in digital format before you begin the application. This speeds up the process significantly.

Check Your Credit Score: Know your CIBIL score beforehand. If it's not optimal, take steps to improve it (e.g., paying bills on time, reducing existing debt) before applying for a home loan to secure better terms.

Budget Meticulously: Use an online EMI calculator to determine an affordable monthly payment that fits comfortably within your budget. Remember to factor in other potential homeownership costs like property taxes, maintenance, and insurance.

Understand Fixed vs. Floating Rates: Research and understand the difference between fixed and floating interest rates. Floating rates are more common and fluctuate with market changes, while fixed rates offer stability but are usually at a slightly higher initial rate.

Ask Questions: Don't hesitate to ask your chosen lender about anything you don't understand, from loan terms to the application status. A simple process means clarity and open communication.

Buying your first home is an exciting milestone. By focusing on lenders who prioritize transparency, digital convenience, and supportive guidance, you can ensure that your path to homeownership is as straightforward and simple as possible, no matter where you are in India.

[citizens-reversemortgages]

What is the Best Reverse Mortgage Out There?

When you’re exploring financial options in retirement, reverse mortgages may come to mind as a way to supplement your income. These unique loans allow you to tap into your home's equity without monthly mortgage payments, which can be particularly appealing for people seeking financial flexibility. But with different types of reverse mortgages available, how do you find the best fit for your needs? Let’s explore the landscape of reverse mortgages and discover which options might work best for you.

Understanding Reverse Mortgages

Reverse mortgages are a financial tool specifically designed for people 62 and older. They allow homeowners to convert part of their home equity into cash, which can be used for various expenses, such as healthcare, home renovations, or simply to enhance their retirement lifestyle. The most popular type of reverse mortgage is the Home Equity Conversion Mortgage (HECM), which the federal government insures.

The HECM

The HECM is the most commonly used reverse mortgage, offering several advantages. Since these loans are federally insured through HUD/FHA, they provide security that other options may not. With HECMs, you can choose different payout options, such as a lump sum, monthly payments, or a line of credit, which adds flexibility to your financial planning.

However, it’s important to note that HECMs come with mortgage insurance premiums, which can affect the overall cost of the loan. For instance, the standard upfront mortgage insurance premium is 2% of the property’s value. Despite these costs, many people find the benefits of a HECM outweigh the drawbacks, especially if they’re looking for peace of mind and stability in retirement.

Proprietary Reverse Mortgages

If you’re looking for something that might come with lower costs, proprietary reverse mortgages, also known as jumbo reverse mortgages, are worth considering. These loans aren't federally insured, eliminating the mortgage premiums you typically pay with a HECM. This can lead to overall savings, especially for homeowners with properties valued above the HECM limit.

Proprietary reverse mortgages are usually tailored for higher-priced homes and offer a lump-sum payment option only. While they’re not as widely used as HECMs, they can be an excellent alternative for those with significant equity in a high-value home.

Single-Purpose Reverse Mortgages

The single-purpose reverse mortgage is the cheapest option if you're on a tighter budget. Some local and state governments and nonprofit organizations offer these loans for a specific purpose, such as home repairs or paying property taxes.

Since single-purpose reverse mortgages are often intended for low- to moderate-income homeowners, they typically have fewer restrictions and a lower overall cost. However, the limitation on their use means they may not be as flexible as HECMs or proprietary reverse mortgages.

Qualifying for Reverse Mortgages

Before diving into the available options, it’s important to understand who qualifies for reverse mortgages. Generally, you must be at least 62 years old, and the property must be your primary residence. Additionally, you must have a certain level of equity in the home—either by paying off a percentage of your mortgage or outright owning the property.

Qualifying criteria can vary depending on the type of reverse mortgage you choose. For example, HECMs require borrowers to undergo counseling to ensure they fully understand the loan’s implications. This can be a valuable step in your decision-making process.

Weighing the Pros and Cons

As with any financial decision, reverse mortgages have pros and cons. While HECMs offer flexibility and federally backed security, they can also have higher fees. On the other hand, proprietary mortgages can save money upfront but may not provide the same variety of payment options.

Single-purpose reverse mortgages provide a low-cost alternative, but their usage is limited to specific needs. Carefully considering these aspects is essential for finding the best reverse mortgage for your circumstances.

What’s Right for You?

Determining the best reverse mortgage largely depends on your financial situation and long-term plans. If you’re looking for flexibility and security, a HECM may be your best option. A proprietary reverse mortgage could be beneficial if you own a high-value home and want to save on costs. Lastly, consider a single-purpose reverse mortgage if you need funds for specific expenses and are on a budget.

To help you navigate these options, engaging with experts in reverse mortgages is essential. They can provide insights tailored to your needs and help you make an informed decision aligned with your retirement goals.

Final Thoughts

When it comes to retirement, having a stable and reliable source of income is essential. Reverse mortgages can offer a practical way to access the equity in your home, helping you maintain your lifestyle and financial independence as you age. Whether you're considering a HECM, a proprietary reverse mortgage, or a single-purpose option, the key is understanding which solution aligns best with your long-term goals.

Taking the time to learn about your options—and working with professionals who understand the ins and outs—can make all the difference. If you're considering taking the next step, it’s worth talking to someone who knows the local market and can provide guidance you can trust.

Contact Citizens Lending Group, a trusted mortgage lender based in Anaheim, California and serving nearby areas like Fullerton, Orange, Garden Grove, Santa Ana, and Buena Park. Call (866) 539-5119 today for expert help navigating your reverse mortgage options and finding the best fit for your retirement goals.

[aboundsendmoneytoindia]

How to Transfer Money from USA to India: Best Methods for Low Fees and Speed

Sending money from the USA to India has become faster and more convenient than ever. However, not all transfer options offer the same combination of low fees, quick processing, and security. Choosing the best way to transfer money from USA to India requires comparing platforms, understanding transaction fees, and aligning your needs with what each service offers.

This blog highlights the most efficient and cost-effective ways to send money, helping you make smart decisions whether you're transferring funds once or on a regular basis.

Key Considerations Before You Transfer

Before selecting a method, it’s important to evaluate what matters most in your situation whether it's speed, cost, convenience, or flexibility. Some key factors to assess include:

Transfer Speed: How quickly does the money reach the recipient?

Transaction Fees: Are you paying a flat fee or a percentage of the amount?

Exchange Rates: Does the provider offer a competitive rate or include hidden markups?

User Experience: Is the platform or service easy to use?

Recipient Access: Can the money be deposited directly into a bank or wallet?

Choosing the best way to transfer money from USA to India involves balancing these aspects based on the purpose of the transaction and the recipient’s needs.

Bank Wire Transfers: Secure but Slower

Traditional bank wire transfers are still widely used, especially for large sums or formal payments. Banks use the SWIFT network to send funds from your U.S. account to the recipient’s bank in India.

Pros:

Highly secure and reliable

Suitable for large or one-time payments

Cons:

Higher fees (both sender and receiver banks may charge)

Slower processing (2 to 5 business days)

Limited flexibility on weekends or holidays

For those seeking the best way to send money to India from USA with a focus on security rather than speed, wire transfers remain a viable option.

Online Transfer Platforms: Fast, Affordable, and User-Friendly

Digital remittance platforms have revolutionized how people send money internationally. These services offer app-based or web-based transfers with lower fees, faster processing, and transparent exchange rates.

Pros:

Competitive exchange rates

Real-time tracking and notifications

Lower or zero fees on certain amounts

Transfers typically complete within minutes to a day

Cons:

May have limits on the amount you can send per day or month

Recipient needs a valid bank account or mobile wallet in India

If you're looking for the best way to transfer money to India from USA for personal remittances, recurring payments, or small business needs, online platforms offer an excellent balance of speed and affordability.

Mobile Wallet Transfers

The rise of mobile wallets has made transfers to Indian bank accounts more efficient. Many platforms now integrate directly with Indian banking systems, enabling fast transfers with minimal charges.

Pros:

Quick delivery to Indian accounts

Minimal transaction costs

Ideal for small or frequent transfers

Cons:

May require recipient to have a compatible bank account or app

Some limits on maximum transaction amounts

This method is increasingly becoming the best way to send money to India from the USA, especially for those who prioritize speed and low cost.

This integration is increasingly becoming one of the best ways to send money to India from USA, especially for those who prioritize speed and low cost.

Tips to Minimize Costs and Maximize Speed

Even when using the best way to transfer money from USA to India, you can take a few extra steps to save more and transfer smarter:

Transfer larger amounts less often: fewer transactions mean fewer service charges.

Avoid transfers on weekends or holidays: these may incur delays or extra fees.

Use services that offer promotions: many platforms offer referral bonuses or promo codes.

Monitor exchange rates: a slightly better rate can lead to significant gains, especially for large transfers.

Strategic planning allows you to stretch your dollar further, giving your recipient more rupees per transaction.

Conclusion

Choosing the best way to transfer money from USA to India depends on your specific priorities whether that's low fees, fast delivery, or overall convenience. While bank wire transfers offer reliability for larger sums, online platforms and mobile-enabled transfers have become the go-to solution for most users due to their cost efficiency and speed.

By comparing services, planning your transfers, and taking advantage of digital tools, you can ensure you’re using the best way to send money to India from USA every time. A little research upfront goes a long way in maximizing value for both sender and recipient. More Related Blogs: 1.The Easiest and Most Secure Way to Send Money to India from USA: A Step-by-Step Guide 2.How to Save on Fees When Transferring Money to India from USA

[moneyisleseo]

Investing in the Indian stock market or mutual funds can be intimidating for beginners. However, with the right resources and tools, anyone can start their financial journey with confidence. Whether you're looking for reliable stock market blogs, the best mutual funds in India, or calculators to estimate SIP returns and brokerage charges—this blog covers everything a new investor needs.

Stock Market Blogs for BeginnersStock market blogs are an excellent starting point for beginners. They simplify complex financial concepts, provide expert market analysis, and keep you updated with the latest trends. Top Blogs to Follow: A structured, beginner-friendly learning platform Stock market blogs for beginners that covers trading, investing, technical analysis, and more. Offers simple guides on mutual funds, SIPs, stocks, and personal finance. Perfect for millennials. Focuses on stock market basics, investing strategies, and financial planning. A blog that combines personal finance with behavioral economics, making investing relatable and educational.

MoneyControl News Best for staying updated with the latest market trends, stock performance, and IPOs.

Best Mutual Funds in India (2025)Investing in mutual funds is one of the most accessible ways to grow your wealth in India. Here's a breakdown of top-performing funds across categories: Top Funds by Category:

Large Cap:

Axis Bluechip Fund

SBI Bluechip Fund

Mid Cap:

Kotak Emerging Equity

DSP Midcap Fund

Small Cap:

Nippon India Small Cap Fund

HDFC Small Cap Fund

ELSS (Tax Saving):

Mirae Asset Tax Saver Fund

Canara Robeco Equity Tax Saver

Note: Past returns are not indicative of future performance. Always do your research.

Calculate Returns on SIP Plan Calculator Online

A SIP (Systematic Investment Plan) is a disciplined way to invest in mutual funds. SIP calculators help estimate potential returns based on investment amount, duration, and expected rate of return. How to Use a SIP Calculator:

Enter the monthly investment amount (e.g., ₹2,000)

Select the investment duration (e.g., 10 years)

Enter the expected return rate (e.g., 12% annually)

View the maturity amount, total invested amount, and wealth gained

Using online calculators gives  Brokerage Charges Online clarity and helps set realistic goals.

Mutual Fund Return CalculatorApart from SIP calculators, mutual fund return calculators help investors:

Analyze lump sum investments

Calculate annualized returns

Compare past performance of funds

These calculators are offered by most major financial websites and apps like Groww, Paytm Money, and Kuvera.

Brokerage Charges Online: Why It MattersEvery time you buy or sell shares through a broker, you pay a brokerage fee. These charges vary based on the broker and trading volume. Popular Online Brokerage Models:

Discount Brokers (e.g., Zerodha, Upstox): Flat fee of ₹20 per order.

Full-Service Brokers (e.g., ICICI Direct, HDFC Securities): Percentage-based fee (e.g., 0.3% per transaction).

Understanding brokerage costs helps you optimize profits and choose the right trading platform.

Use a mutual fund return calculator to Save MoneyA brokerage calculator helps you estimate total charges per trade including:

Brokerage fee

STT (Securities Transaction Tax)

GST

Stamp duty

Exchange charges

By using this tool, you can:

Compare brokers

Calculate net profit or loss

Plan trades better

You’ll find these calculators on most broker websites or finance apps like Zerodha, Groww, and Angel One.

ConclusionStarting your investment journey doesn’t  have to be overwhelming. By using the right blogs, tools, and apps, you can make smarter best investment plan in india financial decisions and build long-term wealth. Learn consistently, use SIP and brokerage calculators, and track your investments regularly. dit.

[admissionconsultancy]

Finance a Management Quota Seat: Loans, EMIs, and Scholarships

Discover smart ways to finance your Management Quota Admission in India with education loans, EMI options, and scholarships. Get expert guidance from Collegestoria for a stress-free admission process.

Securing a seat in a top educational institution can be a dream come true for many students. However, due to the intense competition and limited availability of merit-based seats, management quota admission in india has become a viable alternative for students who are academically eligible but fall short due to rank limitations. While the route is legitimate and widely accepted, the cost involved can be a significant burden for many families.

Understanding Management Quota Admission in India

Before diving into financing options, let’s quickly understand what a Management Quota Admission in India actually entails. Private colleges in India are allowed by law to reserve a certain percentage of seats under the management quota. These are filled at the discretion of the college administration, often based on eligibility criteria and financial considerations rather than competitive entrance ranks alone.

While this route provides another opportunity for students to gain admission, the tuition fees are usually higher than merit-based seats, making financial planning a crucial part of the process.

The Cost Factor: What Are You Paying For?

Management quota seats come with a higher price tag due to:

Limited availability

Institutional discretion

Premium on course demand (especially in courses like MBBS, BDS, MBA, and Engineering)

For example:

MBBS via management quota in a top-tier private college can cost anywhere between ₹50 lakhs to ₹1 crore.

Engineering or MBA seats may cost ₹5–15 lakhs depending on the institution.

With costs like these, it’s essential to evaluate all possible funding avenues.

1. Education Loans: Your First Line of Support

Education loans are one of the most common ways to fund higher education, and yes, they can be availed for Management Quota Admission in India as well. However, there are certain caveats and eligibility requirements.

Types of Education Loans:

Secured Loans: Require collateral such as property or fixed deposits.

Unsecured Loans: Offered without collateral but usually come with higher interest rates and stricter eligibility.

Key Features:

Loan amounts can go up to ₹75 lakhs or more for premium courses like MBBS or international degrees.

Interest rates typically range between 9% and 13%.

Moratorium period (repayment starts 6–12 months after course completion).

Repayment tenure can go up to 15 years.

Documentation Required:

Admission letter from the institution

Proof of seat allotment under management quota

Academic records

Financial documents of guarantor/co-borrower

Pro Tip: Always compare multiple banks and NBFCs before finalizing the loan. Private lenders may be more flexible for management quota cases than public sector banks.

2. EMI-Based Payment Plans: Flexibility Over Time

Some institutions and consultancies offer EMI payment options for the management quota admission fee. This approach is particularly useful for families who can manage monthly payments but may not have the full amount upfront.

Benefits of EMI Options:

No lump-sum payment required.

Lower financial stress on the family.

Can often be combined with zero-cost EMI schemes (depending on the consultancy or college).

How It Works:

Initial registration or token fee is paid.

Remaining amount is split over 6, 12, or 24 months.

Interest rates may apply depending on the financing provider.

Institutes often partner with third-party finance companies to provide EMI options, making this a reliable alternative to traditional loans.

3. Scholarships for Management Quota Students: Limited but Available

Scholarships for management quota students are rare, but not completely absent. Some private institutions and NGOs offer partial tuition waivers based on:

Academic excellence

Socio-economic background

Sports or extracurricular achievements

Specific regional or community-based criteria

Where to Look:

Institutional scholarships from the admitting college

Private education foundations

CSR initiatives by large corporations

NGO-based educational funding

Note: These scholarships usually require a separate application process and strict eligibility. Keep documentation ready in advance.

4. Parental and Third-Party Funding

Some families manage costs through personal savings, selling assets, or borrowing from relatives. While this is an informal route, it can help bridge funding gaps quickly.

Additionally, education consultancies like Collegestoria can also help connect students with credible third-party lenders, NGOs, or institutions that offer student-friendly finance schemes tailored for Management Quota Admission in India.

Why Choose a Trusted Consultant Like Collegestoria?

When you're navigating the complex process of management quota admissions and financing, working with an experienced and credible consultant can make a significant difference.

Collegestoria is a trusted name in this space, offering:

End-to-end admission assistance

Personalized counselling for management quota seats

Tie-ups with banks and NBFCs for education loans

Easy EMI options for select institutions

Updates on scholarship opportunities for deserving candidates

Whether you're planning to pursue MBBS, BDS, Engineering, or an MBA, Collegestoria can help you not only secure a seat but also figure out the best way to pay for it.

Conclusion

The cost of management quota admission in india can be daunting, but it doesn’t have to be a dealbreaker. With a combination of education loans, EMI payment plans, and even scholarships, students can achieve their academic dreams without overwhelming their families financially.

Remember:

Always plan ahead and understand your financial capabilities.

Compare loan offers carefully and check EMI terms.

Explore scholarship options, no matter how limited.

Most importantly, partner with a reliable consultancy like Collegestoria to simplify both the admission and funding process.

A well-planned financial strategy can turn a challenging path into a smooth journey toward your dream college and career.

[kworldsportsnews]

Isaac Howard Shines Bright: Michigan State Star Wins 2025 Hobey Baker Award

Under the dazzling lights of the Frozen Four weekend in St. Louis, the hockey world turned its gaze to one of college hockey’s biggest stars — and he didn’t disappoint. Isaac Howard, a dynamic junior forward out of Michigan State University, took center stage as he was named the 2025 Hobey Baker Award winner, an honor that crowns the best player in all of NCAA men’s hockey.

It was a moment of celebration not only for Howard but for the entire Spartan program — one that has long been searching for its return to the national spotlight.

From Hudson to Hockey Royalty

Isaac Howard’s journey began in the small town of Hudson, Wisconsin. But his rise in the hockey world has been anything but small. The 21-year-old has lit up scoreboards, defied expectations, and inspired a proud fanbase in East Lansing.

This year, his third in the green and white, was his masterpiece.

Howard tallied 52 points across 37 games — an even 26 goals and 26 assists. Beyond the box score, he was the engine that made Michigan State go. His presence on the ice was electric. His vision and hockey IQ allowed him to make plays most players wouldn’t dare attempt. And his leadership set the tone for a Spartans squad that surged to a Big Ten regular-season title and a conference tournament championship.

“It Means Everything”

When Howard stepped onto the stage to accept the Hobey Baker, it wasn’t just about the numbers. His eyes glistened as he took the microphone.

“This is for all the people who believed in me before any of this was even possible,” Howard said, pausing as cheers echoed through the arena. “I’m proud to be a Spartan. Proud of what we’ve built. This award belongs to my teammates just as much as it does to me.”

It was the first time a Michigan State forward ever claimed the honor. And for a school where legends like Ryan Miller and Kip Miller once roamed the ice, Howard just cemented his own chapter in Spartan history.

Howard’s Impact Goes Beyond Stats

Howard didn’t just play well — he made others better. His linemates elevated their games, the locker room took on a winning culture, and the belief that MSU could hang with the national elite was restored.

Head coach Adam Nightingale put it best: “When your hardest worker is also your best player, it sets a standard. Isaac changed the temperature in our building.”

Howard’s 1.41 points-per-game average was the highest in the country, but it’s the moments that mattered most that defined him: clutch goals, overtime winners, and highlight-reel plays that turned momentum and morale in his team’s favor.

Overcoming Elite Competition

The 2025 Hobey Baker finalists were no slouches.

Denver’s standout defenseman Zeev Buium logged heavy minutes and orchestrated offense from the back end. Boston College's Ryan Leonard, a high-flying forward, made waves all season and recently inked an NHL deal with the Washington Capitals.

But in the end, Howard’s all-around excellence — his production, leadership, and consistency — gave him the edge.

One opposing coach summed it up: “He’s got that mix of killer instinct and hockey IQ. You game-plan for him and he still finds a way to burn you.”

A Legacy at Michigan State

With this accolade, Howard becomes just the third Hobey Baker winner in Michigan State’s history — and the first since 2001.

That year, Ryan Miller — considered one of the greatest NCAA goaltenders ever — was the standard. Now, Howard joins him among the greats.

“To be mentioned alongside someone like Ryan? That’s surreal,” Howard said. “I watched his highlights growing up. Now I get to be part of that story.”

More Stars Shine at Frozen Four

Howard wasn’t the only college hockey star making headlines in St. Louis.

Boston College netminder Jacob Fowler captured the Mike Richter Award for best goaltender. With a sparkling 1.63 GAA and a .940 save percentage, Fowler backstopped BC to the Frozen Four and made a name for himself as one of the toughest goalies to beat in the nation.

Boston University’s Cole Hutson also took home hardware, earning the Tim Taylor Award for best freshman. The young defenseman racked up 46 points and became an instant centerpiece for BU’s future.

Frozen Four Finals: BU vs. Western Michigan

While Howard’s Spartans fell short of reaching the championship, the national final is set to deliver fireworks.

Boston University, led by a gritty young core, will battle Western Michigan — a dominant squad with a 33-7-1 record — in the Frozen Four finale. Western’s punishing style will clash against BU’s speed and finesse, setting up one of the most anticipated title games in years.

What Comes Next for Isaac Howard?

The big question now? Whether Howard returns for his senior year or takes the leap to the NHL.

Drafted by the Tampa Bay Lightning with the 31st overall pick in 2022, Howard’s rights are already spoken for. With his college legacy sealed, it seems only a matter of time before he joins the professional ranks.

“I’ve dreamed of playing in the NHL since I was little,” he said. “But right now, I’m just taking this all in.”

NHL insiders say the Lightning would welcome him with open arms — and possibly fast-track him to their AHL affiliate or training camp roster if he decides to sign this offseason.

A Star on the Rise

Whether it’s in East Lansing or Tampa Bay, one thing is clear — Isaac Howard’s story is far from finished.

He’s not just the Hobey Baker winner. He’s a rising star, a leader, and the face of a resurgent Michigan State program that’s proven it belongs among college hockey’s elite.

As the crowd in St. Louis roared for him and the cameras flashed, Howard stayed grounded. Smiling, humbled, and ready for what’s next.

And wherever that next step leads, you can bet the hockey world will be watching. Source: Isaac Howard Leads Michigan State to Glory

[navyashreedigitalnock]

Understanding Cost-Plus Contracts in Home Construction

When planning your dream home, one of the most crucial decisions is choosing the right type of contract with your builder. A cost-plus contract is a popular choice, especially when working with a home construction company in Bangalore. This contract ensures transparency and flexibility, making it an attractive option for homeowners looking for quality construction without budget overruns.

What is a Cost-Plus Contract?

A cost-plus contract is an agreement where the contractor is reimbursed for the actual costs incurred during construction, plus an additional fee or percentage as profit. Unlike fixed-price contracts, where the total cost is predetermined, a cost-plus contract provides flexibility to accommodate changes and unexpected expenses. Many homeowners prefer working with a home construction company in Bangalore under this model to ensure the best results.

Benefits of a Cost-Plus Contract

Transparency – Homeowners get detailed insight into the actual expenses, including materials, labor, and other costs.  

Flexibility – Allows modifications and customizations throughout the project.  

Better Quality Assurance – Contractors are incentivized to use high-quality materials since they are reimbursed for actual costs.  

Fair Pricing – The risk of inflated costs is minimized since everything is accounted for with proper documentation.

How a Cost-Plus Contract Works

Agreement on Costs & Fees – Both parties agree on what expenses will be reimbursed and the contractor’s fee structure.  

Documentation & Reporting – The contractor provides invoices, receipts, and reports for all expenditures.  

Regular Payments – Homeowners make payments based on periodic cost reports rather than a fixed lump sum.  

Final Settlement – Once construction is complete, all outstanding costs are settled

Is a Cost-Plus Contract Right for You?If you value flexibility, transparency, and high-quality construction, a cost-plus contract can be an excellent choice. However, working with a reputable home construction company in Bangalore is essential to avoid cost overruns and ensure accountability.

 FAQs  

1. How is a contractor’s fee calculated in a cost-plus contract?     The contractor’s fee can be a fixed amount, a percentage of total costs, or a combination of both.

2. Can cost-plus contracts lead to excessive spending?     Yes, without proper oversight, costs can escalate. It’s crucial to track expenses and set limits.

3. Are cost-plus contracts better than fixed-price contracts?     It depends on your project needs. If you prefer a set budget, fixed-price contracts may be better. If you need flexibility, cost-plus is ideal.

4. What happens if the construction costs exceed the estimate?     Since a cost-plus contract doesn’t have a fixed price, the homeowner covers the additional expenses, provided they are justified.

5. Why should I choose Avyukth Designs for my home construction project?      Avyukth Designs is a trusted home construction company in Bangalore that ensures quality craftsmanship, transparency, and customer satisfaction, making your dream home a reality.

6. How do I ensure a suitable home construction plan for my project?     To ensure a suitable home construction, it's important to collaborate with an experienced contractor, set clear requirements, and maintain a detailed budget.

7. Which is the best house construction company in Bangalore?    There are many reputed builders, but Avyukth Designs stands out as the best house construction company in Bangalore for its commitment to quality, transparency, and timely delivery.

Conclusion

A cost-plus contract is an excellent choice for homeowners who prioritize transparency and flexibility in their construction projects. It allows for better quality control and customization, ensuring that you get the best value for your investment. However, choosing the right construction partner is just as important. Avyukth Designs, recognized among the top construction companies in India, is committed to delivering high-quality home construction solutions with reliability and professionalism. Whether you are building a new home or renovating an existing one, partnering with a trusted company like Avyukth Designs ensures a seamless and stress-free construction experience.

[fromdevcom]

Can one limit oneself to just 10 of the greatest humans in the field of technology? Possibly not but if you thought hard and came up with a list of ten titans of technology, this could possibly be it. They are all entrepreneurs par excellence and deserve their prominent salaries or incomes they get. One common thread running through them all is that they are all computer professionals and worked hard to become the IT diploma holders beyond their textbooks. Paul Allen Here is a classic case of missing the fast train at the last minute and getting on to slow train. He is as responsible as Bill Gates is in making Microsoft larger than anything the world has ever seen but does not get as much mention as does Bill Gate. Jeff Bezos It is doubtful if Jeff Bezos had foreseen his website growing as large as its namesake the River, Amazon. What he started amazon.com as a way to sell books at reduced rates grew to become possibly the largest online retail vendor online. Sergey Brin A Russian é·mi·gré at the age of 6, Sergey Brin is one of the most affluent and young people in the world. A large number of people around the world are still baffled about Google’s ability to make billions of dollars but Sergey Brin, the co-founder, foresaw it two decades ago and started the process. It was a paper titled "The Anatomy of a Large-Scale Hypertextual Web Search Engine" to Stanford University that started it all. Jack Dorsey This co-founder of Twitter is not a very well-known technocrat but the idea of limiting the thoughts to 143 characters caught the imagination of the people who made it an art to say all they wanted to say in a short narrative. Steve Jobs The original wonder man who created a behemoth called Apple, left it and was begged to return and on return, nurtured the behemoth to grow it even bigger. It is doubtful if anyone reading this does not possess a device that starts with “i” like iMac, iphone, iPad, iPod or iTunes but it is Steve Jobs who made it possible. Larry Page The other half of Google partnership who people know more about than it does Sergey Brin. He and Sergey Brin found that a webpage’s importance could be measured by using data gathered by webcrawler. This eventually led to the world’s first search engine, Google. Steve Wozniak Steve was as instrumental in making Apple a household name as Steve Jobs or Ronald Wayne. Only he was friendlier than the other two and was liked by friends and strangers. Wheels of Zeus, founded in 2001 by Steve Wozniak, developed wireless GPS technology “to help everyday people find everyday thing much more easily”, in his own words Jimmy Wales Had Wikipedia not been there, a considerable percentage of internet activity will not exist. The vision of Jimmy Wales made it possible for anyone with an internet connection to know anything he wanted to know in a matter of seconds. In an interview in 2004, he summed up his vision that led to Wikipedia, "Imagine a world in which every single person on the planet is given free access to the sum of all human knowledge. That’s what we're doing." Pierre Omidyar People who were inclined to participate in auctions were driven to it by the immediacy of online auction. The concept was visualized by Pierre Omidyar and he established eBay which has gone on to become one of the most visible entities in internet space. Omidyar started writing a computer code that would have a simple prototype which would enable a person-to-person auction method and the concept grew into the gargantuan eBay. Marissa Mayer The only woman in this list is not here because of the necessity to have a token presence of a female. Google benefited from her work in innumerable ways. Her role in developing Google products like iGoogle, Gmail, Google Images, Google Maps et al is immense. When she became the CEO at Yahoo in 2012, she came into her own. Her move to stop employees from not coming to office but work from home reaped benefits for the company though the move was not without its critics.

Toni Meadows is a retired Business professor who now blogs about education and it's importance in society. He has visited several colleges in Melbourne and has written his observations on business courses and opinions about each one.

[visual-sculptors]

The Benefits of Using 100% Stacked Line Charts in Excel for Data Analysis

Data Visualization – Charts, Graphs and Infographic designs -Think cell: Top Questions Answered

1.When to use 100% stacked area chart?   

Use a 100% stacked area chart when you want to show the relative proportions of different categories over time, with the total always summing to 100%. It effectively visualizes how each category contributes to the whole while allowing for comparisons between different groups across a shared time dimension. Ideal for showing trends in percentage terms.

2. How do you make a 100% stacked chart in tableau?

To create a 100% stacked chart in Tableau, first, drag your dimension to the Rows shelf and your measure to the Columns shelf. Then, place the dimension you want to stack on the Color shelf. Finally, right-click on the measure in the Columns shelf, select "Quick Table Calculation," and choose "Percent of Total" to achieve the 100% stacked effect.

3. When to use 100% stacked column chart and normal one What's the difference?

Use a 100% stacked column chart to show the percentage composition of categories within a whole, emphasizing relative proportions. A normal stacked column chart displays both absolute values and proportions, allowing for comparison of totals and categories. Choose based on whether you want to focus on percentages (100% stacked) or actual values (normal stacked).

4. What is 100% stacked line with markers in Excel?

A 100% stacked line chart in Excel displays the relative percentage of each data series over time or categories, with the total always summing to 100%. Each line represents a series, and markers indicate data points, helping visualize proportions and trends across multiple categories while emphasizing the contribution of each series to the whole.

5. How do you read a stacked area chart?

To read a stacked area chart, look at the total value represented by the entire area at any point in time. Each colored section represents a different category, stacked on top of one another. The height of each section shows its contribution to the total. Observe trends over time by analyzing how each category’s area grows or shrinks.

Visit: VS Website See: VS Portfolio

[gutshotmagzine]

Best Poker Sign-Up Bonuses in India | Maximize Your Welcome Rewards

Understanding Poker Sign-Up and Welcome Bonuses

A poker signup bonus is a promotional offer extended by online poker platforms to attract new players. Typically, these bonuses match a percentage of your initial deposit, effectively increasing your starting bankroll. For instance, a 100% bonus up to ₹10,000 means that if you deposit ₹10,000, the platform will credit an additional ₹10,000 to your account, giving you a total of ₹20,000 to play with. It’s important to note that these bonuses often come with specific terms and conditions, such as wagering requirements or time limitations, which should be thoroughly understood before opting in.

Top Poker Sign-Up Offers in India

Spartan Poker Spartan Poker is one of the leading poker platforms in India, offering a generous poker welcome bonus. New users can sign up with the promo code ‘GUTSHOT’ and get up to a 200% bonus on a minimum deposit of ₹100 using the code ‘SPARTAN200’. This offer allows players to significantly boost their initial bankroll and explore various games on the platform.

HiScore Poker HiScore Poker provides an attractive poker signup bonus that doesn’t require an initial deposit. By simply registering on the platform, new players receive ₹100 free, allowing them to start playing without any financial commitment. This is an excellent opportunity for beginners to get a feel for online poker without any risk.

PokerBet PokerBet offers an exclusive online poker sign-up bonus for new players. By registering with the code ‘GUTSHOT’, players can receive a $25 bonus on their first deposit. This bonus provides a substantial boost to kickstart your poker journey on the platform.

JackPoker JackPoker extends a generous poker welcome bonus to its new users. Upon signing up, players can avail themselves of an instant cash bonus, with a maximum bonus of up to $3,000 on their first deposit. This offer enhances the initial playing experience and provides ample opportunity to explore the platform’s offerings.

BLITZPOKER BLITZPOKER offers a compelling poker signup bonus for new players. By depositing ₹200 with the code ‘FTDGSB’, players receive a 100% bonus, effectively doubling their initial deposit. This bonus can be wagered to have a profitable start to your online poker journey on this platform.

Maximizing Your Poker Sign-Up Bonus

To make the most of these poker signup bonuses, consider the following tips:

Read the Terms and Conditions: Each bonus comes with its own set of rules, including wagering requirements, time limits, and game restrictions. Understanding these terms will help you utilize the bonus effectively and avoid any unpleasant surprises later.

Choose the Right Bonus: Not all poker welcome bonuses are created equal. Consider your playing style and bankroll when selecting a bonus. Some bonuses may offer a higher percentage match but come with stringent wagering requirements, while others might provide smaller bonuses with more lenient terms.

Start with a Manageable Deposit: While it might be tempting to deposit a large sum to maximize the bonus, it’s prudent to start with an amount you’re comfortable with, especially if you’re new to online poker. This approach allows you to familiarize yourself with the platform without significant financial risk.

Explore Different Games: Use the online poker sign up bonus funds to try out various games and find the ones that suit your playing style. This exploration can help you discover new favorites and improve your overall gaming experience.

Stay Updated on Promotions: Many platforms offer ongoing promotions beyond the initial sign-up bonus. Regularly check the promotions page to take advantage of these offers and maximize your potential rewards.

Conclusion

Sign-up and poker welcome bonuses provide an excellent opportunity for new players to explore the world of online poker with added financial flexibility. By choosing the right platform and understanding the associated terms, you can enhance your gaming experience and potentially increase your winnings. Always remember to play responsibly and enjoy the strategic depth and excitement that online poker has to offer.

[citizens-reversemortgages]

What is the Max Amount You Can Get From a Reverse Mortgage?

When considering financial options for retirement, you might be wondering how to leverage the equity you’ve built up in your home. Reverse mortgages can be an appealing way to supplement your income, especially if you're planning for your golden years. But one of the most common questions is: “What is the maximum amount you can get from a reverse mortgage?” Let’s explore this topic together to give you a clearer picture.

Understanding Reverse Mortgages

A reverse mortgage is a financial tool designed for homeowners aged 62 and older that allows you to convert a portion of your home equity into cash. Unlike traditional loans, where you make monthly payments, reverse mortgages let you receive money without needing to pay it back until you sell the home, move out, or pass away.

When you take out a reverse mortgage, the lender pays you based on the equity you've built up in your home. This can come in various forms, including a lump sum, monthly payments, or a line of credit. A few factors, including your age, the value of your home, and current interest rates, influence the amount you can borrow.

Factors That Determine Your Maximum Reverse Mortgage Amount

Age and Home Value

The maximum amount you can receive from a reverse mortgage primarily depends on your age and the appraised value of your home. Generally, older borrowers qualify for more money since the loan is expected to be repaid sooner.

The Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, has specific limits regarding how much you can borrow based on the appraised value of your home. As of 2023, the maximum claim amount for HECMs is set at $1,072,600. If your home is valued above this threshold, you may consider a proprietary or jumbo reverse mortgage, which doesn't have a cap.

Current Interest Rates

Interest rates also play a significant role in determining the amount you can borrow. Higher interest rates typically reduce the amount you're eligible to receive because they increase the overall cost of the loan. Conversely, lower interest rates can lead to a higher loan amount.

Existing Liens and Property Condition

It’s also essential to consider any existing liens on your home. If you have a mortgage or other liens, you might need to use part of your reverse mortgage to pay them off, which can reduce the cash available to you. Furthermore, the condition of your home matters; if it requires significant repairs, you may need to include repair costs in your reverse mortgage, which can also affect the total amount.

Exploring Different Types of Reverse Mortgages

Home Equity Conversion Mortgage (HECM)

The HECM is the most widely used reverse mortgage type, insured by the Federal Housing Administration (FHA). As previously mentioned, it has a maximum claim limit, making it an excellent option for many homeowners.

Proprietary Reverse Mortgages

If your home is valued above the HECM limit, proprietary reverse mortgages may be the right choice. These private loans offered by financial institutions typically allow for higher loan amounts based on the home’s value.

How to Calculate Your Reverse Mortgage Amount

While specific calculations can vary based on individual circumstances, there are general rules of thumb to consider. Lenders use the following formula to estimate your loan amount:

Home Value: Determine the appraised value of your home.

Maximum Claim Amount: For HECMs, this is capped at $1,072,600.

Principal Limit Factor (PLF): This percentage is based on your age and the current interest rates.

Loan Options: Decide how you want to receive your funds—lump sum, monthly payments, or a line of credit.

Plugging these variables into the formula gives you a rough estimate of what you qualify for under a reverse mortgage.

Benefits of Reverse Mortgages

No Monthly Payments: One of the most appealing aspects of reverse mortgages is that you won't have monthly mortgage payments as long as you live in your home.

Flexible Cash Options: You can choose how to receive your funds, giving you control over your finances.

Home Ownership: You retain the title of your home, allowing you to live there as long as you meet the loan requirements.

Considerations Before Taking Out a Reverse Mortgage

While reverse mortgages can provide financial relief, they also come with responsibilities. Here are a few factors you'll want to consider:

Fees and Costs: Reverse mortgages have various fees, including origination fees, closing costs, and mortgage insurance premiums. It’s vital to understand how these will impact your overall payment.

Impact on Inheritance: Because the loan needs to be repaid upon your passing, it could affect the inheritance you leave for your heirs.

Future Moves: If you plan to move within a few years, a reverse mortgage may not be the best fit, as you would need to repay the loan when you sell the home.

Frequently Asked Questions About Reverse Mortgages

What Happens If My Home Value Decreases?

If your home’s value decreases, it will not affect your existing reverse mortgage. You won’t owe more than the home’s value upon sale, thanks to the non-recourse nature of these loans.

Can I Lose My Home?

You can lose your home if you fail to meet the reverse mortgage's requirements, such as not paying property taxes, homeowners insurance, or maintaining the house.

Is a Reverse Mortgage Right for Everyone?

No, reverse mortgages are not suitable for everyone. Evaluating your financial situation plan and whether you want to leave an inheritance for your heirs. is essential

Conclusion

The maximum amount you can get from a reverse mortgage depends on your age, home value, interest rates, existing liens, and property condition.

HECMs have a maximum claim limit of $1,072,600, while proprietary loans can provide higher amounts.

Reverse mortgages offer a flexible way to access your home equity but come with unique responsibilities and costs.

If you’re exploring reverse mortgage options tailored to your needs, don’t hesitate to ask for personalized guidance. Understanding your options can empower you to make informed financial decisions that align with your retirement goals. Contact us today to discuss how reverse mortgages can fit into your financial plan!