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#investing
turn-provide · 2 days
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bitchesgetriches · 11 hours
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{ MASTERPOST } Everything You Need to Know about Investing for Beginners
Fundamentals of investing:
What’s the REAL Rate of Return on the Stock Market?
Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds
The Dark Magic of Financial Horcruxes: How and Why to Diversify Your Assets
Dafuq Is Interest? And How Does It Work for the Forces of Darkness?
Booms, Busts, Bubbles, and Beanie Babies: How Economic Cycles Work
When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation
Investing Deathmatch series:
Investing Deathmatch: Managed Funds vs. Index Funds 
Investing Deathmatch: Traditional IRA vs. Roth IRA 
Investing Deathmatch: Investing in the Stock Market vs. Just… Not 
Investing Deathmatch: Stocks vs. Bonds 
Investing Deathmatch: Timing the Market vs. Time IN the Market
Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market 
Investing Deathmatch: What Happens in a Bull Market vs. a Bear Market 
Now that we’ve covered the basics, are you ready to invest but don’t know where to begin? We recommend starting small with micro-investing through our partner Acorns. They’ll round up your purchases to the nearest dollar and invest the change in a nicely diversified portfolio of stocks, bonds, and ETFs. Easy as eating pancakes:
Start saving small with Acorns
Alternative investments:
Small Business Investing: A Kinder, Gentler Alternative to the Stock Market 
Bullshit Reasons Not to Buy a House: Refuted
Investing in Cryptocurrency is Bad and Stupid
So I Got Chickens, Part 1: Return on Investment
Twelve Reasons Senior Pets Are an Awesome Investment 
How To Save for Retirement When You Make Less Than $30,000 a Year
Understanding the stock market:
Ask the Bitches Pandemic Lightning Round: “Did Congress Really Give $1.5 Trillion to Wall Street?”
Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?” 
Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds
Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”
Wait… Did I Just Lose All My Money Investing in the Stock Market?
Season 4, Episode 1: “Index Funds Include Unethical Companies. Can I Still Invest in Them, or Does That Make Me a Monster?” 
Retirement plans:
Dafuq Is a Retirement Plan and Why Do You Need One?
Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over
How to Painlessly Run the Gauntlet of a 401k Rollover
Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”
Workplace Benefits and Other Cool Side Effects of Employment
You Need to Talk to Your Parents About Their Retirement Plan
Season 4, Episode 5: “401(k)s Aren’t Offered in My Industry. How Do I Save for Retirement if My Employer Won’t Help?” 
Got a retirement plan already? How about three or four? Have you been leaving a trail of abandoned 401(k)s behind you at every employer you quit? Did we just become best friends? Because that was literally my story until recently. Our partner Capitalize will help you quickly and painlessly get through a 401(k) rollover:
Roll over your retirement fund with Capitalize
Recessions:
Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”
There’s a Storm a’Comin’: What We Know About the Next Recession
Ask the Bitches: How Do I Prepare for a Recession?
A Brief History of the 2008 Crash and Recession: We Were All So Fucked
Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”
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theambitiouswoman · 4 months
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Basic Financial Rules To Live By 💰✨
Create a plan that shows how much money you get and how much you spend. This helps you see where your money goes.
Set aside a part of your money as savings. Try to save at least 10-20% of what you earn.
Be careful with borrowing money, especially if you have to pay back a lot of extra money (interest).
Save some money for unexpected things like medical bills or losing your job. Aim to have enough to cover your living costs for a few months.
Put your saved money into different things that can make it grow, like stocks or real estate. Be patient, as it takes time.
Don't spend more money than you make. Stick to buying what you really need, not just what you want.
Decide what you want to do with your money, both in the short term (like a vacation) and long term (like retirement).
Set up automatic transfers to your savings and bills so you don't forget to save or pay your bills on time.
Make saving money a top priority before spending on other things.
Regularly look at your money situation, adjust your plan as needed, and see how your investments are doing.
Pay your bills on time and use credit wisely (like credit cards) to keep a good credit score, which can help you get better deals on loans.
Save money for when you're older and don't work anymore. Use retirement accounts to help with this.
Think before you buy things. Don't buy something just because you want it; think if it's necessary.
Keep learning about how money works and how to make smart money choices.
Only use your emergency fund for real unexpected problems, not for things you just want to buy.
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memories-of-ancients · 8 months
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Wooden Money in Olde England,
The use of tally sticks as an accounting tool goes back to ancient antiquity and the dawn of civilization. In an age when the vast majority of people were illiterate, the simplest way represent a certain number of goods was to simply cut markings into a stick, a piece of bamboo, bone, or other similar item. Such systems were common all over the world including Europe, Asia, Africa, and the Pre-Columbian Americas. If you have, say 12 goats, you could go to the market, find an interested buyer, hold up the stick with 12 notches cut into it and say, “I have this many goats, want to make a deal?”
 By the Middle Ages in Europe, Asia, and The Middle East, tally sticks were used as a record of debts, almost like a wooden credit card. An agreement to an IOU was made with the amount notched out on both sides of a stick. The stick was then split in half lengthwise, with one half held by the creditor, and the other half held by the debtor. Believe it or not this system of recording and settling debts continued well into modern times. In 1804 the use of the split tally was acknowledge as legal proof of debt in the Napoleonic Code. The split tally continued in use in Switzerland into the 20th century. When the Bank of England was founded in 1694 as a public corporation, the bank issued tally sticks to it’s investors as proof of their investments. Since the investments were recorded on stocks of wood, they became known as “stocks” and since then the use of the term “stock” for a investment in ownership of a public company has continued to this very day.
In 1100 King Henry I of England began issuing tally sticks as a form of money due to a lack of coinage in the kingdom and Europe in general at the time. The denomination of the stick would be etched onto both sides of the stick. The Dialogue Concerning the Exchequer, written in the 13th century, notes the different denominations as thus,
“The manner of cutting is as follows. At the top of the tally a cut is made, the thickness of the palm of the hand, to represent a thousand pounds; then a hundred pounds by a cut the breadth of a thumb; twenty pounds, the breadth of the little finger; a single pound, the width of a swollen barleycorn; a shilling rather narrower; then a penny is marked by a single cut without removing any wood.”
Like other split tallies, the stick was split lengthwise, with one half being circulated among the populace as money, and the other half being stored at the local exchequer’s office (treasurer).  If one believed they were being cheated with a counterfeit stick, one only had to make a visit to the local exchequer and match his half of the stick with the half held by the treasurer. 
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The use of the split tally for money and the recording of debts ended by act of the British Parliament in 1826.  In 1834 Parliament ordered the burning of thousands of ancient tally sticks representing centuries worth of wooden money and debt records to be burned. During their destruction, the chimney of the stove caught fire, resulting in a blaze that destroyed most of the Palace of Westminster.
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creatingnikki · 1 year
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things to remember in 2023
goodbye emo era, goodbye empath era, goodbye all you eras that have been putting others + emotions at the center of everything. hello self-serving era. self-serving, not selfish. see, more accurate vocabulary can make all the difference. 
choose people who choose you. bare minimum is not impressive. it’s only an indicator that hmmm maybe I can explore what something with this person could lead to. it’s the basic eligibility criteria for opening up your time/schedule to someone, not heart. only time. 
new people don’t need to know life stories and trauma from before 2018. if you want to talk about it just write about it, write it into your book. 
do not listen to your parents. I mean this in the most respectful possible way. you are an adult now, you make your own decisions. because 20 years from now if you are sad and miserable and hating your life and you tell them hey it’s because you made me la la la chances are they are going to turn around and be like nobody forced you, you were an adult, you made your own decisions. so just make your own decisions. and they would be right. like just dodge the emotional manipulation and the drama and the guilt and lack of validation from them for a bit and go ahead and do things you want to in your life. and you already have daddy issues, right? pacify them in bed or something idk. just make your own bloody decisions independent of what your family/others expect of you.
explore more Hindi music. 
channelize certain things you’ve seen in most men around you. channelize compartmentalization. channelize binary problem solving. channelize cutting your losses and exiting at the right time from romantic situations that do not have any future no matter how much you feel for them in the present. 
do not force yourself to write fiction. maybe you don’t want to create stories. maybe you just want to write down what you already know. maybe you just want to write creative non-fiction. why is that a bad thing? don’t you think it’s time to let go of the ideas you have hyper-romanticized and see things for what they really are and then work with them? 
dating apps are not where you will find love. hook-ups, maybe. but drama-free hook-ups? yeah, not quite sure about that either. let’s just go back to how we were before? let’s just focus on our life and believe that love will happen if and when it’s supposed to? 
self-dates must make a return. you found that amazing second-hand bookseller next to your home and your favourite cafe from Bangalore is now in Mumbai and so many new art galleries are opening up around and when was the last time you went to Marine Drive and maybe it’s time to sneak into your college to go have your favourite food again from the canteen and maybe after work you can stay around and explore the popular bars and maybe you can find a post office next to your new apartment so you can start sending letters and packages to your best friend again. I know, I know 2022 was a year of such dramatic highs that gave you such adrenaline rush that coming back to things that were more grounded and brought you joy seems difficult but baby please. you cannot run towards psychosis so soon, okay? come back. 
on that note, let’s find a yoga class around your apartment and also a gurudwara. 
sign up for experiences and invest for the long term but do not invest in material things like furniture. at this point you are the typical mid-20s person who is free to up and leave whenever and wherever and you haven’t found a place you want to call home yet anyway. so keep your money liquid, don’t lock it up in stupid things, but invest for the long-term in equity assets to create wealth. also, go meet your accountant please. and get life insurance. 
do not let family stuff get to you emotionally. deal with it in a logistic, functional, and objective way. as much as possible. 
you really don’t have to respond to people within 24 hours, 48 hours, or even a week. I mean other than very few selected people (family, best friend, and your partner), nobody is owed your immediate attention. and even these inner circle people are owed your immediate attention only in a way where you keep them in the loop to let them know you are alive and doing okay. 
you are a warm person and it’s easy for people to like you wherever you go. but you have such limited time, energy, and brain cells. you cannot scale yourself like a company. which means if you more people want to get to know you, talk to you, etc., you can’t supply them with that because you are not a scalable product. okay? okay. 
earning more money will help only in a limited manner if you do not budget and control your spending. it’s not the person who earns more that is rich but the person who saves and invests and doesn’t take debt for consumption purposes. you can no longer be the ironic financial writer like in the confessions of a shopaholic. you are no longer a kid, you are an adult who has to take care of yourself and soon your dependents and so you cannot keep ranting on about capitalism while falling constant prey to it. instead you have to benefit from it.
figure out what is your choice of poison. for when you wanna just vibe, for when you want to get drunk drunk, for when you wanna be bhand. figure it out. 
think of studying Korean as doing an undergrad degree. so you know you have to stick with this for the next three years. this way you don’t see it as a short-term fancy but as a longer term commitment and reach level 6 of fluency in the language. this way, by the time you are in your late 20s, you will actually be able to read Korean books in Hangul and not the English translation. that’s your goal, isn’t it? and writing poetry in Korean too. 
your high school friend answered the question no doctor was. when you drink alcohol, make sure there is a 3-hour gap between that and your medication. but also keep the drinking in check. I mean honestly, iced coffee and fresh fruit juices for the win. 
you go through people like you go through books. but people are not books. time to pick up actual books again and press pause on people. 
do not commit anything to anybody because you have no sense of stability or certainty in your life right now. that doesn’t make you flighty. that doesn’t make you irresponsible. in fact, it makes you responsible because you aren’t making promises you aren’t sure you are capable of keeping even if you want to keep them. actions > intentions. 
time to have a skincare routine. your sister has written you a whole blog on it - just follow that. 
also oh my god. being twenty five/twenty six does not make you old. you don’t have to look at the younger people you interact with and feel uncool or outdated because then that’s how you’ll always feel. like when you were younger, you would look at the older people and think they are so cool, graceful, smart, and badass. divine, even. then that’s what you are becoming now. not knowing what certain emojis and slang means really has no bearing on how relevant you are. 
this isn’t an exhaustive list, so come back. don’t just write this and forget all about it. come back, review, revise, add. but most importantly, remember. remember this is for you. so that you minimise pain and failure and shitty feelings and maximise peace and success and joy. and you do like optimum utilisation of resources, don’t you? so do that. apply yourself for yourself. that’s where the returns are the highest. 
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If we’re made in “god’s image” then does god also have a crippling piss kink?
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jokingluna · 6 months
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ericgunther · 2 years
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onlinewealthcreater · 6 months
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penaargolasblog · 29 days
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Aí vida de luxo... Molhada pelo orvalho da alegria, duas colheres de açúcar uma colher dE whisky e muita laranja, água escorrer. Tenho sede de ti de um só vez ainda pensas em mim ainda és a primeira golpada de desejo primaveril, aí aí que é agora outra vez
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dtgenterprise · 2 years
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Truth
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thegoodmorningman · 8 months
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It's never too early to start thinking about your future. As long as your future is having a Good Morning every day.
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bitchesgetriches · 1 year
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Fundamentals of investing:
What’s the REAL Rate of Return on the Stock Market?
Do NOT Make This Disastrous Beginner Mistake With Your Retirement Funds
The Dark Magic of Financial Horcruxes: How and Why to Diversify Your Assets
Dafuq Is Interest? And How Does It Work for the Forces of Darkness?
Booms, Busts, Bubbles, and Beanie Babies: How Economic Cycles Work
When Money in the Bank Is a Bad Thing: Understanding Inflation and Depreciation
Investing Deathmatch series:
Investing Deathmatch: Managed Funds vs. Index Funds
Investing Deathmatch: Traditional IRA vs. Roth IRA
Investing Deathmatch: Investing in the Stock Market vs. Just… Not
Investing Deathmatch: Stocks vs. Bonds
Investing Deathmatch: Timing the Market vs. Time IN the Market
Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market
Now that we’ve covered the basics, are you ready to invest but don’t know where to begin? We recommend starting small with micro-investing through our partner Acorns. They’ll round up your purchases to the nearest dollar and invest the change in a nicely diversified portfolio of stocks, bonds, and ETFs. Easy as eating pancakes:
Start saving small with Acorns
Alternative investments:
Bullshit Reasons Not to Buy a House: Refuted
Investing in Cryptocurrency is Bad and Stupid
So I Got Chickens, Part 1: Return on Investment
Twelve Reasons Senior Pets Are an Awesome Investment
How To Save for Retirement When You Make Less Than $30,000 a Year
Understanding the stock market:
Ask the Bitches Pandemic Lightning Round: “Did Congress Really Give $1.5 Trillion to Wall Street?”
Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”
Money Is Fake and GameStop Is King: What Happened When Reddit and a Meme Stock Tanked Hedge Funds
Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”
Retirement plans:
Dafuq Is a Retirement Plan and Why Do You Need One?
Procrastinating on Opening a Retirement Account? Here’s 3 Ways That’ll Fuck You Over
How to Painlessly Run the Gauntlet of a 401k Rollover
Ask the Bitches: “Can I Quit With Unvested Funds? Or Am I Walking Away From Too Much Money?”
Workplace Benefits and Other Cool Side Effects of Employment
You Need to Talk to Your Parents About Their Retirement Plan
Got a retirement plan already? How about three or four? Have you been leaving a trail of abandoned 401(k)s behind you at every employer you quit? Did we just become best friends? Because that was literally my story until recently. Our partner Capitalize will help you quickly and painlessly get through a 401(k) rollover:
Roll over your retirement fund with Capitalize
Recessions:
Season 1, Episode 12: “Should I Believe the Fear-Mongering about Another Recession?”
There’s a Storm a’Comin’: What We Know About the Next Recession
Ask the Bitches: How Do I Prepare for a Recession?
A Brief History of the 2008 Crash and Recession: We Were All So Fucked
Ask the Bitches Pandemic Lightning Round: “Is This the Right Time To Start Investing?”
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theambitiouswoman · 4 months
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Wealth Building: Money Topics You Should Learn About If You Want To Make More Money
Budgeting: This means keeping track of how much money you have and how you spend it. It helps you save money and plan for your needs.
Investing: This is like putting your money to work so it can grow over time. It's like planting seeds to grow a money tree.
Saving: Saving is when you put some money aside for later. It's like keeping some of your treats for another day.
Debt Management: This is about handling money you owe to others, like loans or credit cards. You want to pay it back without owing too much.
Credit Scores: Think of this like a report card for your money habits. It helps others decide if they can trust you with money.
Taxation: Taxes are like a fee you pay to the government. You need to understand how they work and how to pay them correctly.
Retirement Planning: This is making sure you have enough money to live comfortably when you're older and no longer working.
Estate Planning: This is like making a plan for your stuff and money after you're no longer here.
Insurance: It's like paying for protection. You give some money to an insurance company, and they help you if something bad happens.
Investment Options: These are different ways to make your money grow, like buying parts of companies or putting money in a savings account.
Financial Markets: These are places where people buy and sell things like stocks and bonds. It can affect your investments.
Risk Management: This is about being careful with your money and making smart choices to avoid losing it.
Passive Income: This is money you get without having to work for it, like rent from a property you own.
Entrepreneurship: It's like starting your own business. You create something and try to make money from it.
Behavioral Finance: This is about understanding how your feelings and thoughts can affect how you use money. You want to make good choices even when you feel worried or excited.
Financial Goals: These are like wishes for your money. You need a plan to make them come true.
Financial Tools and Apps: These are like helpers on your phone or computer that can make it easier to manage your money.
Real Estate: This is about buying and owning property, like a house or land, to make money.
Asset Protection: It's about keeping your money safe from problems or people who want to take it.
Philanthropy: This means giving money to help others, like donating to charities or causes you care about.
Compounding Interest: This is like a money snowball. When you save or invest your money, it can grow over time. As it grows, you earn even more money on the money you already earned.
Credit Cards: When you borrow money or use a credit card to buy things, you need to show you can pay it back on time. This helps you build a good reputation with money. The better your reputation, the easier it is to borrow more money when you need it.
Alternate Currencies: These are like different kinds of money that aren't like the coins and bills you're used to like Crypto. It's digital money that's not controlled by a government. Some people use it for online shopping, and others think of it as a way to invest, like buying special tokens for a game.
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Geometric bear logo design 🐻
Get your professional design services! Contact & details at:
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I’m powerbottoming for god
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