#this is what i'm using my computer science classes for /j

[kyothena]

i was rereading nevermore on the web version of webtoon and i realized i could mess with the height and width of individual pannels 😭

if you wanna do this (it's useless but funny cause then you can reread the chapter with these cursed faces appearing occasionally) i recommend only changing the height otherwise the pannels stack next to one another which is annoying

[ahgasegotarmy116]

Semantic Error | A Jeon Jungkook Series | Chapter 1

Based off of Semantic Error (bl) by J Soori Summary: y/n is a Computer Science major that definitely fits the bill. Some call her a robot since she seems to have zero emotions or empathy for the people around her and only cares about finishing her degree. What happens when she prevents Jungkook, a Visual Arts major from graduating and finds herself in need of his help? Pairing: Techie inexperienced fem!reader x Artist fuck boy Jungkook Word count: 1.6k~ Warnings: Explicit language, corruption kink, smut, angst, trauma, idk I suck at writing warnings.

A/N: I'm planning on making this a shorter series so let me know if you're enjoying the story and I'll make it a little longer. This is heavily based off of the original bl (boy love) first chapter because I wanted to get the basic plot set up correctly but I will be changing things here and there (for example this is a straight version with a female reader). If you don't mind spoilers I would highly suggest reading the original story. I read it on the app Manta with the english adaptation being done by Angy and you can also find the kdrama on Viki :)

Walking up to the podium it doesn't surprise me to see that half of my group members aren't even in class. I look over at my professor and see the puzzled look on his face, clearly confused as to why I'm the lone presenter but I give him a nod anyway and start the presentation.

Scanning the room I see how most of the students are already asleep or aren't even bothering to try paying attention and to be honest it makes my job a bit easier, not having to deal with any nerves that might arise from public speech but if I'm honest it doesn't really bother me much.

I've heard my classmates refer to me as a robot or a walking computer simply because I speak in a monotone voice and I don't bother wasting emotions on those that I deem unimportant.

Some might call me stuck up but in reality I have no intention of making friends in this educational institution. I'm here to get my degree and hopefully never have to deal with anymore of these freeloaders that the bother labeling as students.

After my presentation is finished our professor wraps up the class rather quickly to everyone’s delight and soon sends us all on our way, except for me.

"y/n can I talk to you for a second?" he asks and I make my way over to his desk after having gathered my belongings. "I wanted to speak to you about your presentation" he starts off, showing his slight discomfort in discussing the topic.

"Was there something wrong with it?" I question not sure what might've gone wrong.

"Oh no the presentation was fine, in fact it was excellent but I noticed that your name was the only one included on the presentation as well as the fact that you gave the presentation solo. Did your group members not contribute to the project?" he asks curious as to how this whole situation all went down.

"No they did not" I say plainly giving him the bare minimum.

"Do you think you could explain the situation to me?" 

I explain not only the lack of participation but also the pitiful excuses they gave me to somehow compensate for their lack of effort.

"One of them told me about the passing of their great aunt so I was aware that he wouldn't be giving the presentation but what happened to the other two?" he prods further pinching the bridge of his nose.

"One of the others didn't send me their research on the agreed upon deadline last night so I had to write their part as well as take care of the tasks I had delegated to myself" I explain. 

"And the other?" he asks finally understanding the situation that I had been left in.

"He didn't bother showing up to any of the planned out meetings we set up" I say hoping that I can go now.

"I see that he's a graduating senior this year. He had told me that he had some sort of ceremony to attend to over seas but I see that he had attended all but the last two classes so his attendance hasn't been much of a problem. Don't you think it's a bit harsh to leave his name out of the presentation completely?" he questions hoping to level with me. 

"No, not at all. If he had shown up and contributed to the project in the slightest then maybe but he didn't lift a finger. I understand why he missed the classes but expecting someone else to do the project that he was assigned was negligent on his part so I do not see any reason as to why he should be given credit for it" I finish hoping he'll understand my point of view.

"Okay, thank you for taking the time to explain it to me, you can go now" he says dismissing me.

"Okay" I say and give him a shallow bow before making my way out of the building.

~~~~~

When the day that final grades rolls around I'm hit with a bunch of texts and calls from the free riders that no doubt failed the class because of the executive decision I had made.

I go through and block the three of them before going on my way since I won't be needing any sort of contact after this train wreck of an ordeal. As I make my way to the PC cafe I frequent I hear talks of a story that sounds very familiar.

"I guess Jungkook can't graduate because someone snitched on him for faking attendance and they also took his name off of their final project" one guy says.

"Wasn't he supposed to go study abroad this summer?" a girl chimes in.

"Well I guess he's screwed now. I don't think a program like that wants to take on a slacker like him" another guy says, openly bashing him.

"Yeah he said he's gonna kill the person that did that but he never bothered learning their name. He tried to find them but no one knows who they are" the first guy says.

"What's their major?" the girl says hoping to see if she could help find them. "Something along the lines of computer engineering".

I shiver at the thought, 'I think I pissed off the wrong guy. I guess all I can do is avoid anyone by the name of Jungkook and fly under the radar. Considering that I always do I don't that'll be much of a problem.

I log into the same computer I use day in and day out with the intention of relaxing for a bit but I'm interrupted by a text that I had thought I had been waiting for for the past few days. 

'Hey y/n it's Hana, I got an internship for the summer and it looks like I'm going to be pretty busy with it so I don't think I'll be able to help you with the gaming application you are trying to develop. But on the plus side I do have a friend that has some free time this summer and I told him about it and he said he would be interested in taking it over for me'

'Oh okay that's too bad, I really liked your art style' I say selfishly wishing she would make time for it.

'Oh he's a lot better than me and I feel like he can definitely do your game a lot more justice than I can :)'

'Oh okay do you think you could give me their number at least?' I ask hoping I can establish contact as soon as possible. 

'I don't have his number since I ended up breaking my phone and lost all of my contacts but I told him the time and place we were planning on meeting so he'll meet you there. His name is JK'

I thank her for putting in the effort to find a replacement and close out our conversation.

Leaning back in my chair and taking off my glasses I'm left feeling stressed at the uncertainty of how this project is going to progress but I just hope that whoever she's sent as a substitute is able to work on this as efficiently as I know she would've been able to.

She was kind of slow at responding and making time for this but when she had the time she would really put her all into it, really making up for lost time.

I take a deep breath to release some of the tension I can feel building and decide to head back to my place to formulate a new plan of action and prepare a new proposal. 

~~~~

Sitting in the little study room I had reserved in the library for the day this JK guy and I are supposed to meet I find myself checking the clock, watching and waiting for his arrival.

'He's late. It's four fifteen and I explicitly explained to Hana what time we would be meeting here. I could always count on her to be a few minutes late but so much for good first impressions with this new guy. Maybe I'll give him a few more minutes. He could've gotten the address wrong or maybe he got lost and is just trying to find the right room.'

Another fifteen minutes goes by and I can clearly tell I’m losing my patience.

'How could someone be this late? What if he changed his mind and Hana just couldn't bring herself to tell me? Or maybe he just blowed both of us off because he didn't really want to do it in the first place? Whatever, I'll give him a few more minutes and then I'm leaving' I wait for about five more minutes until I finally can't take it anymore 

"This is ridiculous, I'm just waisting my time at this point" I say out loud mentally exhausted from having to wait this long, not even caring if he were to show up now.

I gather up my belongings but as soon as I reach for the door handle to leave it swings open and almost hits me in the face. I step back just in time to be met with a wall of muscle barging into the room without regard for anyone else and look up to see a man two heads taller than me looking down on me.

"You're the designer?" I ask hoping that I've made the correct assumption. 

"Oh um yeah" he says as he continues to keep eye contact, almost studying me.

'Yeah?' 'That's all I get? Showing up this late and I don't even get a sorry? Who does this guy think he is?' I think to myself fuming even more from seeing the stupid look on his face. Little did I know just how much this little 'arrangement' was going to mess up the rest of my life.

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Series Masterlist

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[jaijeijayjei]

Get to know your mutuals!

Thanks to @glitternightingale for tagging me :)

What's the origin of your blog title? I like going by the name "Jay." I also use "JJ" whenever I want to use a pseudonym, so in some ways it's like my alter-ego's name! I also really like "J" names, like Jacqueline or Josephine.

OTP(s) + Shipname: Very much into Meljay/Goldenforge right now!

Favorite color: Hazelnut Brown

Favorite game: Super Mario Odyssey, I've collected 999 moons, unlocked the secret boss levels, got all the purple coins, the whole shebang

Song stuck in your head: Hozier's cover of "Do I Wanna Know"

Weirdest habit/trait? I am a huge fan of bubble tea and I keep a detailed spreadsheet of every boba cafe I've been to and my thoughts on them 🧋🧋🧋

Hobbies: Violin, running, cooking, baking

If you work, what's your profession? Still a student, majoring in computer science (yikes red flag am I right)

If you could have any job you wish, what would it be? Playing in a professional orchestra.

Something you're good at: I'm quite good at finding a middle ground and ending on a good note when in a debate.

Something you're bad at: Not procrastinating, it's my ultimate Achilles heel.

Something you love: When people go out of their way to be friendly or do something nice for others. Restores my faith in humanity.

Something you could talk about for hours off the cuff: My Little Pony (Gen 4)

Something you hate: My past self when I have to get out of bed after staying up too late the previous night.

Something you collect: Stickers for my laptop!

Something you forget: That I turned the stovetop on (eesh), whether if I locked my car in the morning (eh I don't have anything worth stealing)

What's your love language? Gift giving! Especially with making food.

Favorite movie/show: ATLA, narrowly beating out Arcane. Sorry, I like a little more fluffiness in my shows

Favorite food: Banh mi or all sorts of dim sum.

Favorite animal: Dogs, I'm basic. All sorts of primates too, I think they're adorable.

What were you like as a child? A try hard, a pushover, and very insecure! My inner child heals every time I stand my ground instead of apologizing every other sentence (unless I should ofc)

Favorite subject at school? Right now, Brit Lit, surprisingly! Class discussions are almost like fandom discourse, ahah!

Least favorite subject: Chemistry. Timed labs stress me out.

What's your best character trait? I have a laid back personality irl, I rarely have drama in my life.

What's your worst character trait? A little too laid back sometimes... My list of "little things I should've done weeks ago" is miles long.

If you could change any detail of your life right now, what would it be? I would reset my physiology to not be so reliant on caffeine and melatonin pills to function :,)

If you could travel in time, who would you like to meet? My future self, just to see how things are.

Tag as as many mutuals as you want!!

(No pressure ofc)

@yell0wsalt @patheticjayce @event0horizon @starglossie @omilkandhoneyteao

[meraki-yao]

An exchange student from Canada saw me crying and gave me a tissue. We talked. He's really nice. I'm sane now.

This is going to be a full vent. This is my full story on this situation. Only read if you want to and if you're okay with it. Also warning, this is long as fuck, I really trauma dumped here.

tw: suicidal thoughts, self-harm

Backstory: High School

I was labelled as a jack of all trades, master of none. I'm naturally a more art/social science/emotion/humanities person, but I took STEM subjects in high school (Physics, Chemistry, Information & Technology/ Computer, and Calculus & Algebra), partly because these subjects had objective, standard answers, which supposedly makes getting marks in exams easier, partly because I felt like I had to as my parents are both PhD in engineering, and at that point I still thought I had to be "my parents' daughter".

So throughout high school, all my external achievements were humanities/arts related while my studies were STEM orientated. But I struggled a lot with my STEM subjects (except for Computer because a lot of that is just stuff you would know if you use one a lot), and I mean, a lot. As in failing quizzes, fucking up assignments. Thank God I had really kind teachers who cared more about my mental health than my grades and were willing to help and accommodate my needs. But there were many times when I straight up broke down during a lesson and ran off to the social worker's. I skipped several lessons because I just couldn't go to class and try to listen when voices in my head were all yelling at how much of a useless piece of shit I was. I would spend three hours on a single question, and still get it wrong. It always felt like no matter what I did, I would go nowhere. And it didn't help that when I asked for help from my parents, their response would always first be "How can you not know something so simple". By senior year I gave up and started asking my friends and the internet.

On the contrary, I thrived in my language classes and liberal studies class. Even if I initially sucked due to the change in the system, I asked, I studied, I worked and I improved. I got somewhere. Effort paid off in a fair ratio. I never needed to ask my parents anything about that. I never needed to ask anyone other than my teacher. I loved doing my homework in those subjects. My writings were printed out as examples for the whole class. It was great.

Backstory: College Selection

By the time college choices rolled around I had no idea what to choose. At the same time, my mother was also suggesting I go to mainland Chinese universities for my undergrad, and I didn't want that. Going to the States or the UK wasn't affordable for my family, so I opted to stay local, to the dismay of my whole extended family.

So in the mess of all of this and no parental support because they are Chinese stereotypes who think the only courses worth studying are doctor and lawyer, my school's career counsellor suggested Bachelor of Arts and Studies to me (here's their website) a new personalized interdisciplinary degree in HKU. And I was so happy. It felt right. It felt like putting a on tailored dress. And despite my parents' protest, I put that as my first choice.

College entrance exams came and went. Overall I did pretty well. Got top scores in Chinese, English, Liberal Studies, and Computer. Got average for Chemistry, Math and Physic despite spending most of my study leave on these subjects. Just passed Calculus.

So the way the local system works (it's called JUPAS if you wanna look it up) is that by the end of November, you need to submit your 20 university programme choices, but after the public exam result is released, you're assigned 24 hours to change your choices.

And this is where everything started going to hell for me.

My parents, who in the first round of selection, compromised and let me put what I wanted, looked at my marks, and my choices, and vetoed everything. They said I'm not gonna get a job with an interdisciplinary degree, there's no career path for psychology, that the arts and science degree was created because the art, social science and science faculty didn't have that many people.

A different advisor, one who didn't know me personally suggested my current programme: biomedical engineering, which basically combines medicine with engineering. They said it's a lucrative career since health service is in demand, and with my basis in STEM subject I would do well, and that it's easier to go from a science subject to humanities if I want to do something different in post-grad than vice versa. By this time I had 2 hours left before confirmation.

If we were to completely ignore me as an individual, they're right. This would be the logical choice.

But at that point, I already knew it felt wrong. But unfortunately for me, all I could say is it felt wrong, which isn't a strong rebuttal.

With no "logical" rebuttal, two yelling parents and a fucked up head, sobbing, I changed my first choice to this programme. I cut my arm with a cutter over the myriad of scars I gave myself over the years. I told my best friend who was asking if I was ok, that I'll give it a go, and if it doesn't work I'll find a way out. I told the rest of my close friends that my undergrad will be me paying a debt to my parents, and I'd figure out my own dream in the future.

I shouldn't have caved in.

Back Story: University

University started. Immediately it felt wrong. Save for my elective (HKU has this really cool thing called Common Core, look it up if you're interested but essentially it's compulsory electives) I felt so detached from my engineering courses. I couldn't explain, just an inherent feeling that I don't belong here.

It didn't help that it was at this time that I realized I straight-up don't like biology.

Managed through year 1 first semester with average grades. Semester 2 I didn't have any courses directly related to the programme save for a probability & stats course that I fucked my way through. The rest of my grades were pretty good, even got two A- s. The feeling that I didn't belong persisted but popped up a little less.

Now: Breaking

Year 2 came, and from the moment in August when I had to sign up for courses, the feeling of wrongness came back in full force, amplified, even. It felt all-consuming.

This is from my diary:

"I don't wanna be here. I don't want this degree. I don't want this career God I don't want it. It's doesn't fit. I don't fit in this space. This isn't mind. It feels like dysmorphia. It feels like tar, black and toxic and vicious, sticking to my skin, trying to mould my body into something I'm not, to seep into my skin and dye my blood a dull shade of grey. I wanna fucking run away. I wanna fucking die. I don't fucking know what to do."

You guys kind of know the rest, because that's when I met you guys and started feeling safer here than anywhere else, and vented here. But for reference

September

October

November

December

January, January, Fuck you January

I skipped class. I got antidepressants. I binge ate and became overweight. Failed three classes. Parents didn't find out anything until the grades came out. Then they lost their mind.

Now: Not Enough

They blamed me for not trying hard enough.

They said oh failures happen, you have to learn from your mistakes and try again.

I have to set up a proper routine. Dedicate all my time and energy to staying physically healthy and studying. Spent my "free time" thinking. I even got berated for listening to music with headphones on.

Dad asked me why did I fail biochemistry. I said it was hard, the pace was fast, and I don't like the subject. He said there's no point in not liking it.

Mom said I needed to get rid of the idea that this degree is against me and accept it, that I shouldn't dwell on what-ifs from the past, and all the reasons they convinced me to choose this still stands, that learning is a fun and interesting thing that I should take joy in, that I won't be able to handle being a psychiatrist, that I used to be such a star student what the fuck happened to me, that each path has their own difficulties and I'm already on this road so why won't I just keeping going for the next two years, that if I quit and start over I'll be older than my cohort and my friends will all graduate before me and why won't I just follow the normal path dammit

SO EVERYTHING IS MY FUCKING FAULT HUH??

I don't fucking know anymore.

Now: The present

The reason I was crying earlier, was that I went to have a meeting with an academic advisor to ask about the possibility of transferring to a different programme.

There are two ways.

One, apply for an internal transfer by June. But that requires exceptional grades, and I don't have that.

Two, quit university and re-apply with my college entrance exam results. But then none of the credits I earned in the past two years will be transferred. All will expire. I went through shit for nothing except to confirm my mistake is a mistake.

I might figure something out when I'm not crying my brains out but right now neither option sounds like an option to me.

I could barely ask anything intelligent afterwards because I was trying so hard to stop myself from breaking down immediately.

Now: How I feel

I'm not supposed to feel like this. This is not normal. This is not how my university life is supposed to go. It cannot be normal to want to die every day.

The moment I realised this was fundamentally wrong was when I looked at my high school friends' social media, and saw them living their best lives: dating, joining the committee of societies, getting awards and scholarships, jobs and internships, travelling, going to parties, everything a young person should be doing. My best friend is chasing her dreams to became an actress at NYU TISHC, already getting paids acting jobs at year 1, going to prominent events, maintaining a 3.9 GPA, goes out partying all while maintaining a long distance relationship with her athletes boyfriend who is the best of the best in Asian youth, handsome, and just a great guy in general.

I'm supposed to be on the same level as them.

I'm from an elite class of an elite school in an elite city. I've been on city radio four times and city-wide broadcast television once. I was on four department/society committees, two of which I was chairlady. I wrote and directed my own play. My name was followed by seven internal awards when it was my turn to get my diploma during the graduation ceremony. I aced my classes. My drawing and writing had been in my school's anthology and yearbook. I genuinely enjoyed learning.

I'm not supposed to be this.

I'm not supposed to be this depressed, overweight person who can't get out of bed and skips classes and fails courses. I'm not supposed to be this stagnant, I was always moving. I was always giving it my 100%. I'm not supposed to not make any friends and want to stay in my bed all the time. I'm not supposed to be insomniac, or sick, or depressed, or overweight.

I was always fighting.

I don't have any energy in me anymore to fight.

I'm not supposed to turn out like this. This isn't who I want to be/ I hate whoever I am now. This isn't right.

But I'm fucking stuck, I don't know what's the truth, I don't know how valid "I don't like this" is.

A lot of people tell me to just ignore what my parents say but it's really not that simple. I only realized they can hurt me despite loving me and it's not my fault last year. And even then it's hard to stay firm on this belief. Because truthfully, I don't know what's right, I only know what feels wrong.

Fuck this. I want to fast forward until the day I figure shit out. I want to live here on Tumblr.

Fuck everything.

[magratpudifoot]

I had a mammogram the other day*, and the imaging clinic had an opt-in program to have "AI" review my images before they were seen by a doctor.

The program had an acronym that was never explained and that I forgot as soon as I encountered it. It cost $40 and was not covered by insurance, but I was assured that it is "FDA approved".**

It was offered to me first on the online intake form. I could enroll then, but there was no way to decline, so my forms displayed as incomplete. I was then offered it again, this time verbally, when I got to the office and was asked to do the entire intake form again on paper, presumably because my online forms were "incomplete". I was left sitting in the waiting room for 45 minutes while I heard the same offer given to the next 20 or so patients who arrived after me.

I don't know if it was the cost, or general technophobia, or our collective mistrust of bullshit because we've all seen at least one Theranos documentary at this point, but as far as I could tell, not a single person added the "AI" pre-screen.

And I am asking myself now, how many of us might have considered it for maybe a second longer if they just called it "pattern recognition software." I might have, if it had been the right day, I don't know. I see the utility in having routine identification done by software if it is then compared to an independent review by a human specialist. That would be, in my opinion as a lapsed Electrical Engineer, an ideal use of the technology we are able to develop at this point in history.

But the minute someone called these pattern recognition programs "AI", the people who were reading Ayn Rand under the desk through their Engineering Ethics classes took their NFT money and put it on the new shiny.

I spent all of high school feeling like a paranoid nut for being the kid always warning people that we needed to slow down with the "let's do tech because we can!" mentality because humans can't be trusted to treat computer intelligences ethically when we can't treat each other ethically. In the early 2000s, it was apparently laughable that I bought into the far out science fiction idea that we could create artificial intelligence.

Now I've found myself in a society run by people who have seen the fiji mermaid and think Barnum's software is "intelligent".

And it is so much more annoying than I could have imagined.

But definitely do go have a mammogram when it is time for you to do so. I'm a J cup with a low pain tolerance, and it barely registered as uncomfortable for me.

* A real one this time, not just the kind where my cat wakes me up in the middle of the night making biscuits on my chest looking like she's posing for Henry Fuseli.

**For those who do not listen to Oh No! Ross and Carrie, the FDA typically determines whether something will injure you or make you sick, not whether it does what it claims. I imagine the FDA approver giving the camera the ol Jim Halpert as they rubber stamp the form declaring that a piece of software run against a static image three days after the person pictured in the image has left the facility won't give said person cancer.

[thestandardoilcompany]

Financial Economics

By. Jacinda Thomas, Masters of Science in Wealth Management

Good Morning,

One of the first things I had to learn as a world class wealth manager was financial economics. Let's dive right in.

First we will break down the meaning of each individual word.

Financial: the study of finance; let's define finance: money or other liquid resources of a government, business, group, or individual

Economics: a social science concerned chiefly with description and analysis of the production, distribution, and consumption of goods and services

There were also other definitions as well.

Now let's think about it: the economy is the revolving circulation of goods or services. And finance is simply money... so it's safe to say that financial economics is money of the circulation of goods and services.

This makes sense. As an ultra high net worth wealth manager, it's important to have a clear understanding of the circulatory money activity of goods and services.

This is one of the things that makes me such a great ultra high net worth wealth manager and advisor. As a person from a family of entrepreneurs I took a keen interest in how business is run from a very, very early age. As mentioned in my opening essay, throughout the last 16 years I've super deep dived into industries of all sorts: autos, mechanics, cars, fashion, retail, style grooming, software engineering, web development, apps, servers, computers, design, restaurants, food, logistics, warehousing, transportation, logistics, shipping/receiving, farming, agriculture, agtech, vertical farming, energy, wind, oil, pellet, real estate, construction, interior design, development, commercial, industrial, residential, art, music, touring, music production, education, teaching, higher learning, politics, government, religion, philanthropy, non-profit, finance products. With the latest being crypto, blockchain, and web3... I'm sure there are a few things I didn't mention, but overall these are few of the fields that I've had genuine authentic non-manufactured interest in. Which is key, genuine interest is rare.

Extremely thoroughbred in regards to understanding how the world works. Which will make me one of the most valuable and highly sought after high net worth wealth managers in the world.

Even the pastors need a pastor.

I understand the economy, the intricacies of how it interacts. And I'm continuously learning in natural ways.

We're never in a hurry, it's important that the table is set properly.

Okay so now let's dive deeper into financial economics.

Our overall assumption just from defining the words is in the ballpark of this definition. The study of the financial system. The study of economic resources allocation over time under conditions of uncertainty. Yes this makes sense. The study of the use and distribution of resources in the financial markets.

Within a semester class we will learn much more to be able to adequately assist our clients and/or firms.

The Canadian lecture on financial economics adds a nice global perspective to our understanding.

The Financial Appetite blog does a lovely job of explaining this. Learn more here: https://www.thefinancialappetite.com/blog/what-is-financial-economics

What Is Financial Economics?

Financial economics is a branch of economics that analyzes how resources are used and distributed in markets. In general, it is the study of choices consumers, business managers, and government officials make to achieve their goals considering that they have limited or scarce resources. Financial decisions will frequently have to take into consideration future events, which can be related to individual stocks, portfolios, or the market as a whole. Financial economics differs from the other branches of economics because it pays particular attention to monetary activities. This branch of economics analyzes how inflation, depression, deflation, recession, prices, and other financial variables impact one another. It applies economic principles to financial markets, corporations, banks, and central banking policies, and uses economic theory to evaluate how time, risk, opportunity costs, and information can produce incentives for a particular decision. Financial economics plays an important role in making investment decisions, identifying risks, and valuing securities and assets.

What a wonderful break down. Let's see what Investopedia has to say.

Financial Economics

What Is Financial Economics?

Financial economics is a branch of economics that analyzes the use and distribution of resources in markets. Financial decisions must often take into account future events, whether those be related to individual stocks, portfolios, or the market as a whole.

KEY TAKEAWAYS

Financial economics analyzes the use and distribution of resources in markets.

It employs economic theory to evaluate how time, risk, opportunity costs, and information can create incentives or disincentives for a particular decision.

Financial economics often involves the creation of sophisticated models to test the variables affecting a particular decision.

How Financial Economics Works

Making financial decisions is not always a straightforward process. Time, risk (uncertainty), opportunity costs, and information can create incentives or disincentives. Financial economics employs economic theory to evaluate how certain things impact decision making, providing investors with the instruments to make the right calls.

Financial economics usually involves the creation of sophisticated models to test the variables affecting a particular decision. Often, these models assume that individuals or institutions making decisions act rationally, though this is not necessarily the case. The irrational behavior of parties has to be taken into account in financial economics as a potential risk factor.

Investopedia compares it to traditional economics.

Financial Economics vs. Traditional Economics

Traditional economics focuses on exchanges in which money is one—but only one—of the items traded. In contrast, financial economics concentrates on exchanges in which money of one type or another is likely to appear on both sides of a trade. 

The financial economist can be distinguished from traditional economists by their focus on monetary activities in which time, uncertainty, options and information play roles. 

Financial Economics Methods

There are many angles to the concept of financial economics. Two of the most prominent are:

Discounting

Decision making over time recognizes the fact that the value of $1 in 10 years' time is less than the value of $1 now. Therefore, the $1 at 10 years must be discounted to allow for risk, inflation, and the simple fact that it is in the future. Failure to discount appropriately can lead to problems, such as underfunded pension schemes.

Risk Management and Diversification

Advertisements for stock market-based financial products must remind potential buyers that the value of investments may fall as well as rise.

Financial institutions are always looking for ways of insuring, or hedging, this risk. It is sometimes possible to hold two highly risky assets but for the overall risk to be low: if share A only performs badly when share B performs well (and vice versa) then the two shares perform a perfect hedge.

An important part of finance is working out the total risk of a portfolio of risky assets, since the total risk may be less than the risk of the individual components.

Let's look at one more source to understand Financial Economics. This time we will view a video:

Take the day to review the materials above. And welcome to Financial Economics.

Jacinda T.Thomas

#jacindathomas #financialeconomics #wealthmanagement

[allsystemsarenotgo]

What is the measurement of success and failure?

Friday night, I watched a dear friend graduate with a Bachelor's degree in Electrical Engineering and dual minors in Maths and Computer Science in four years.

Something I long dreamed of doing in high school. I wanted to go into Mechanical Engineering. That's what my grandfather had done and partial of what my father did.

But when I got to college, despite being an A/B student in high school, I was woefully unprepared. I couldn't do anything right. I couldn't academically pass even the basic classes.

There was a point in my second semester of freshman year that I locked myself in my dorm room for a solid week, just stuck in a very deep depression. My peer counselor had to use her master key to do a welfare check on me, and take me to the on-campus counseling center.

And it got bad enough after four semesters that my GPA hit a point that I had to change majors. So I changed from mechanical to computer science. I passed the basic classes there without issue - and one of them I was told to shut up and stop answering questions because I already knew the material but had to take the class just to have the credit on my transcript. I even had no issues with the couple of 3,000 and 4000 level courses I took in the program, but then ran into hurdles in the later classes. But there was just one specific professor that did not like me, I'm not even sure he liked anybody, and just really tried to make my life miserable. Two semesters I took his class trying to get a passing credit and failed to do so; I took the class as a condensed summer with a different professor and got through it with no problem and a high B. But the damage had been done.

I was expulsed from the engineering department as a whole after my 8th semester on campus (10 semesters counting two summers).

I ended up graduating with a bachelor's in University Studies after another 6 semesters (4 full and 2 summer). Where I went, it was basically their fast track program to get out of the college, allowing me to count three minors worth of accreditation towards a generic bachelor's. Considering I had accrued enough hours that would otherwise count for a master's degree, it was all the more depressing too have a generic bachelor's that wouldn't really mean much in life.

Does that mean I was an academic failure?

I've never been much of a social bug, but many of the friends that I made over those 6 years for the only friends I had in life. The only social life I knew was the one with other students.

It wasn't much longer than a year after I graduated that I no longer had most of those friends, and in subsequent years that number dropped more and more.

These days I only have one friend I still talk to from college, but we haven't gotten together in a few years. He is a high level executive at a firearms company now while raising two daughters on his own after their mother relinquished her rights.

My social bubble has only minutely increased since then. The title of "Best Friend" has bounced from person to person as they painfully came and went. My social bubble at this point only consists of the girlfriend on a weekendly basis and K and D (whom I just saw last week for the first time in months but text daily).

I text J and M at least once a week, sometimes daily. But I just saw J for the first time in at least a year as she walked for college graduation, and I have only seen M once (last year) in the last decade.

But outside of Facebook, that's my social/conversation bubble.

Does that mean I am a social failure?

I've never held a "good" job; I'm always lived more or less paycheck to paycheck. The "extra" things I've accrued in life have generally been purchased with my savings account of my mum's inheritance. I've spent 75% of what I inherited in the few years since she passed; granted a chunk of that was eliminating my student loans.

Does that mean I am an employment and/or financial failure?

What is the measurement in success and failure? I feel like so much of a failure when I am surrounded by "more" successful people.

I feel like there are some things, like my friend's graduation, where I had small contributions and share a bit in the success-by-proxy. Is that wrong?

It's hard not to be mad at myself about things of the past. When it comes to "What would you tell a younger self?"... So many things.

Reflecting back on the progression of J and our friendship, it just doesn't make me feel good about myself. During the ceremony, a student spoke about how she is a first generation college student/graduate from an immigrant family, and all the effort that was required for success.

Seeing people go and do and complete the things that I wished I could do but didn't...it hurts the self-esteem.

There are so many things I wish I could time travel and fix so that I could be a better me.

But I can't. I'm just another random bloke with a meaningless degree that can't get any jobs that my knowledge could otherwise maybe get me into...or that I could have gotten myself if I would have been better at university.

Yay for those that can apply themselves and be successful.

Depression for those that have failed in life.

🙋‍♂️

[faithnfrostingshop]

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[fruitsaladaf]

Raymond Au's Autobiography: An Autobiography by Raymond Au

Hi! My name is Raymond Au. I'm a fourth year Computer Science major from San Jose, and I'm graduating in December! My parents are Chinese and speak four languages, but I only speak English. English exceptionally well, but still only English. Whenever I'm not obligated to go outside and do something, I spend all of my time in my room with the window blinds closed, because I am a gremlin that hates the outdoors. I also despise the wind, as it is the natural enemy of styled bangs. Other things I hate include the beach, sunlight, large crowds of people, and the rain.

I don't like candy, because candy is bad for your teeth and you know what they say, once you get your wisdom teeth removed, you become wise... To the fact that you hate going to the dentist. Speaking of which, another thing I hate is having to go to the dentist. I also hate mushrooms of any kind because I think they're disgusting, Monster energy drink because it tastes disgusting, and spicy food because it makes my tongue feel disgusting.

Now, you might be thinking, "Wow, this guy sure does let hate define him" and let me tell you, this could not be further from the truth. I do not hate everything. There are even things that I like! For example, I like video games. Playing video games is an activity that I enjoy partaking in, particularly with friends. In particular, I like playing strategy games, but I'm generally very good at any games I play and can enjoy them as long as it's with friends. Segueing into a related topic, I also like playing tabletop RPGs like Dungeons & Dragons because, as is customary for gremlins that hate going outside, I am a huge nerd. Do not be fooled by my demeanour; If this was the 80s, I'd be wearing big taped glasses, a plaid dress shirt with a pocket protector, and suspenders. I even used to have braces! To further prove that I am a nerd, I go on reddit and debate the lore of Warhammer 40,000 on a regular basis, watch slice of life anime, and read manga like a weeb.

I also do not hate music. I am even capable of creating music! I can play the electric guitar. Music I enjoy includes most genres of metal. This includes standard heavy metal, nu metal, metalcore, power metal, death metal, even vocaloid j-metal. Because I play a lot of videogames, I also enjoy many videogame BGMs.

My grandparents were born in southern China, but they moved to Vietnam, where my parents were born. After the Vietnam war, my parents moved to the United States, thus explaining why my parents speak four languages: English, Cantonese, Mandarin Chinese, and Vietnamese. I have an older brother and an older sister, with my twin sister and I being the youngest. When I was very young, I liked going to the park and playing with other kids and doing sports and stuff. However, I was almost never allowed to actually go to the park and play with other kids and do sports and stuff, so I grew out of this phase and learned to appreciate the great indoors and show nothing but disdain for the outdoors and any activities related to spending an extended period of time outdoors.

I live in San Francisco for college, but whenever classes are not in session I am usually at home in San Jose. The nice thing about being at home in San Jose is free food. The not-so-nice thing is I have to help my mother by working at her store, which means I don’t get to enjoy my vacations. However, as the third longest working person there, I get to regale my kouhais with fantastic tales of the things I’ve experienced or encountered over my years as an employee of Baskin Robbins. This includes but is not limited to: People blatantly stealing money from our tip jar right in front of us, firefighters coming in to get icecream only to help us scoop icecream for customers when they realized we were being overwhelmed by 31st Sundae night, people being murdered around the dumpsters near the parking lot that I park my car at, the free loading lady from next door who always comes in to ask us for ice instead of getting her own ice maker, homeless people who talk to us about Jesus very quickly and too quietly for us to hear or understand, and that guy who ordered 3 different door dashes in a row to come in and try to buy an ice cream cake we didn’t have.

I hate being in pictures, so here’s a picture of my cousin’s dog! Her name is Maggie, and she is very sweet.