#1 year return mutual fund

[businessskibat]

Mutual Fund SIP : करोड़पति बनने का आसान रास्ता, मात्र ₹1500 से शुरू करें SIP, और बन जाएंगे इतने सालों में 7 लाख 56 हज़ार 

Mutual Fund SIP : अगर आप लगातार रिटायरमेंट की चिंता करते हैं यानी, क्या रिटायर होने के बाद पैसे बचे रहेंगे। अगर आपको यह चिंता सताती है इसलिए आपको आज ही अपनी सैलरी से कुछ पैसे बचाकर निवेश करना होगा। हां, आपको लाखों रुपये मै��्योरिटी पर मिलेंगे अगर आप 1500 रुपये म्युचुअल फंड की सिस्टेमैटिक इन्वेस्टमेंट प्लान में जमा करना शुरू कर देंगे। क्योंकि आपको जमा राशि पर ब्याज मिलता है। SIP के फायदे क्या…

[so-i-did-this-thing]

FLORIDA TRANS PALS, IT IS TIME TO PLAN

Especially if you are on HRT!

HB1421 is a bill that severely affects access to gender affirming care, including for adults. It outlines goals to:

1) Prohibit changing gender markers on birth certificates

2) Require that gender affirming care only come from physicians (not nurse practioners) who take on liability insurance for 30 YEARS after they provide care to a patient

3) Require informed consent forms at every single appointment, including distributing literature to dissuade patients

4) Ban transition care completely for minors

5) Make it so providers who accept state funds cannot provide gender affirming services (this is the big one that stands to affect anyone who takes medicare/aid, is a university, etc.).

6) Make it so providers who accept state funds cannot reimburse for gender affirming services.

We are facing a return to the Harry Benjamin days, or worse, an effective ban unless you are fortunate/wealthy enough to find a willing provider.

If it passes, this bill would take effect July 1, 2023. That is not a lot of time.

I would not count on any Rx or refill request to be honored after this date if the prescribing and dispensing sources no longer are allowed to grant care or decide to drop care because of the penalties.

July 1, 2023. Unless we hear otherwise, that is your clock.

This sucks, but there is comfort in seeing a clear date to plan around and the worst case is no longer completely unknown. It begins July 1.

--------------------------------------------

YOUR HOMEWORK, DUE ASAP:

--------------------------------------------

1) Get any and all your HRT appointments in now, including picking up your meds and doing bloodwork promptly.

2) If you think you will be living in FL come July, start looking now for providers where physicians - not NPs - provide the care. Get an appointment on the books for July. Be prepared to go in person for everything after July 1, because I believe telemed will also be shit-canned. Here is a map of informed consent providers.

3) If you are an old like me, also dig up your HRT permission slip from your therapist. Fuck, make a packet of all your transition documents, including Rx history.

4) If you are on private insurance, start budgeting now to prepare to pay out of pocket.

5) Create a simple spreadsheet of all your HRT dates (pls forgive, my experience is with shots on a 2 week cycle, so this is pretty easy for me to do) and plan out how long your current supply will last. Then, forecast how long all your upcoming refills before July 1 will last. Update it every time you pick up and take your meds. Refer to it for decisions like moving or finding backup providers.

6) Subscribe to the bill to get notified of changes asap

7) Follow this site to keep tabs on other very scary bills happening in Florida, including a bathroom ban and a child custody bill that is effectively kidnapping

8) If you need to change your birth certificate, do it now, pay the rush fees and write RUSH on the envelope. The Department of Health has the most up-to-date forms. Processing time for rush I last saw was around 18 business days.

9) Now that your own oxygen mask is on, so they say, boost mutual aid and recruit allies to assist in any way possible.

-----

Do try to continue seeing your current provider as long as possible, as they likely will need your support. Talk to them frankly about their plans if the bill passes.

Now. I am just a little guy and not a legal expert, but the aggressive enactment date on this bill makes me feel like everyone should plan now instead of waiting to see if it passes.

Be safe, plan, and then get a little rest. Do not lose hope - this bill could still fail.

[butts-bouncing-on-the-beltway]

Role call. Who on Tumblr was politically active during the Free Tibet years?

I'm going to establish this post as an anchor space to have a conversation about the Lessons we learned from Free Tibet and how we may or may not be effectively applying those lessons to our work around Free Palestine as a current socio-political banner.

If you were alive, aware, and involved during Free Tibet's groundswell into and out of the public eye, your stories, reflections, and thoughts are welcome. This goes doubly for perspectives within the movement such as the experience of seeking and obtaining allyship/solidarity from the international community as some living in or with family in Tibet, ground work in organizing the dustribution of funds, resources, or resistance, publicity and public awareness/consciousness, etc.

I'll start. I was (admittedly) young when this was happening, but already had been engaged and involved for a year or two in politics more broadly. I had been working with the UUA youth programming on a variety of community initiatives when a delegate of ministers traveled to meet with the Dalai Lama and several Tibetan activist communities both in their home mountains and abroad in exile. They've done this quite a few times over the years, before and since this particular delegation. One of the ministers who worked with us attended. He was gone for 18months sabbatical/spiritual and social development work on the trip, and when he came back, he led the district's interfaith activist groups through dozens of trainings and salon conversations to help us understand what he'd learned and what he wanted US to learn.

He came away with [and invited us to come away with] a few major foundations

1) any act of imperialism or colonization is a cause for profound and expansive grief. In fact the grief itself was part of the point because until we see the suffering of every person on earth as a violation of and offense to the humanity of EVERY person on earth, we will struggle to hold ourselves accountable for our own complicity.

2) complicity can be coerced, and that is always the accountability of the coercive authority structure, not the accountability of the individuals being coerced. This is not mutually exclusive with the need to repair the harm done to a community following coerced complicity as a form of reintegration into the healing process of a fractured social order.

3) we needed to operate with two paths of possibility - diasporic and indigenous. Ultimately, the preservation of a people, their culture, their humanity, their communities, is a complex one with very few guarantees. Every effort should be made to answer the intracommunal calls to action that are being made so as to ensure that on the micro/mezzo level (individuals, families, and small regional communities in particular) people are able to self-direct towards a diasporic-mobile preservation path or an indigenous-remaining preservation path as best suits their needs in the moment, and that a diasporic-return path is being established and maintained as effectively as possible (erosion of this path should be considered a warning sign of high risk actions being taken against the indigenous-remaining [coerced/autonomous] population). The goal, this minister explained, was always to preserve access to autonomy on both the individual and communal level, and that sometimes this would look like things we didn't understand or didn't want to understand as victory. As long as it came with the community in need at the helm, it was our job to wrestle with that possibility proactively rather than risk imposing our own needs-assessment on them. [Disclaimer: this came in the wake of concerns around the possible death of the Dalai Lama's reincarnation and heir being selected/identified by an imperial assembly rather than by the existing Tibetan process of identification, and specifically in the wake of the Dalai Lama's statements that all, even his own role, must one day end which had incited many difficult conversations around the world]

4) resistance was both an imperative and an active tense verb, meaning that any of us engaged in resistance needed to be in real conversation with others about it or we were NOT in fact resisting anything

5) slogans are catchy, but they can't be all you have. It is too easy to say the same words as others while acting against them, both intentionally and unintentionally.

I really was present in the tail end of this work's public prominence, and while I have done my best to stay aware since my initial exposure, I lack some of the necessary current reflections on the experience from various people and perspectives. Others who were engaged and involved, especially if it has remained in your primary focus of activism, what were your lessons so to speak and how have you grown or developed your approaches in response?

[mariacallous]

Afghan refugees who fled their country to escape from decades of war and terrorism have become the unwitting pawns in a cruel and crude political tussle between Pakistan’s government and the extremist Taliban as their once-close relationship disintegrates amid mutual recrimination.

On Oct. 3, Pakistan’s government announced that mass deportations of illegal immigrants, mostly Afghans, would start on Nov. 1. So far, at least 300,000 Afghans have already been ejected, and more than a million others face the same fate as the expulsions continue.

The bilateral fight appears to center on Kabul’s support for extremists who have wreaked havoc and killed hundreds in Pakistan over the last two years—or at least that is how Islamabad sees it, arguing that it is simply applying its own laws. The Taliban deny accusations that they are behind the uptick of terrorism in Pakistan by affiliates that they protect, train, arm, and direct.

Mass deportations are a sign that Pakistan is “putting its house in order,” said Pakistan’s caretaker minister of interior, Sarfraz Bugti. “Pakistan is the only country hosting four million refugees for the last 40 years and still hosting them,” he said via text. “Whoever wanted to stay in our country must stay legally.” Of the 300,000 Afghans already ejected, none have faced any problems upon returning, he told Foreign Policy. As the Taliban are claiming that Afghanistan is now peaceful, he said, “they should help their countrymen to settle themselves.”

“We are not a cruel state,” he said, adding: “Pakistanis are more important.”

The Taliban—who, since returning to power in August 2021, have been responsible for U.N.-documented arbitrary detentions and killings, as well forcing women and girls out of work and education—have called Pakistan’s deportations “inhumane” and “rushed.” Taliban figures have said that the billions of dollars of international aid they still receive are insufficient to deal with the country’s prior economic and humanitarian crises, let alone a mass influx of penniless refugees.

The expulsions come after earlier efforts by Pakistan, such as trade restrictions, to exert pressure on Kabul to rein in the Tehrik-i-Taliban Pakistan (TTP), the Pakistani Taliban, whose attacks on military and police present a severe security challenge to the Pakistani state. Acting Prime Minister Anwar ul-Haq Kakar said earlier this month that TTP attacks have risen by 60 percent since the Taliban regained control of Afghanistan, with 2,267 people killed.

The irony is that Pakistan bankrolled the Taliban throughout their 20-year insurgency following their ouster from power during the U.S.-led invasion in 2001. Taliban leaders found sanctuary and funding from Pakistan’s military and intelligence services. When the Taliban retook control of Afghanistan in 2021, then-Pakistani Prime Minister Imran Khan congratulated them, as did groups such as al Qaeda and Hamas. But rather than continuing as Islamabad’s proxy, the Taliban have reversed roles, providing safe haven for terrorist and jihadi groups, including the TTP.

“While it’s still too early to draw any conclusions on policy shifts in Islamabad, it appears that the initial excitement about the Taliban’s return to power has now turned into frustration,” said Abdullah Khenjani, a former deputy minister of peace in the previous Afghan government. “Consequently, these traditional [Pakistani state] allies of the Taliban are systematically reassessing their leverage to be prepared for potentially worse scenarios.”

Since the Taliban’s return, around 600,000 Afghans made their way into Pakistan, swelling the number of Afghan refugees in the country to an estimated 3.7 million, with 1.32 million registered with the U.N. High Commission on Refugees. Many face destitution, unable to find work or even send their children to local schools. The situation may be even worse after the deportations: Pakistan is reportedly confiscating most of the refugees’ money on the way out, leaving them in a precarious situation in a country already struggling to create jobs for its people or deal with its own humanitarian crises.

Border crossings between Pakistan and Afghanistan have been clogged in recent weeks, as many Afghan refugees preempted the police round-up and began making their way back. Media have reported that some of the undocumented Afghans were born in Pakistan, their parents having fled the uninterrupted conflict at home since the former Soviet Union invaded in 1979. Many of the births were not registered.

Meanwhile, some groups among those being expelled are especially vulnerable. Hundreds of Afghans could face retribution from the Taliban they left the country to escape. Journalists, women, civil and human rights activists, LGBTQ+ advocates, judges, police, former military and government personnel, and Shiite Hazaras have all been targeted by the Taliban, and many escaped to Pakistan, with and without official documents.

Some efforts have been made to help Afghans regarded as vulnerable to Taliban excess if they are returned. Qamar Yousafzai set up the Pakistan-Afghanistan International Federation of Journalists at the National Press Club of Pakistan, in Islamabad, to verify the identities of hundreds of Afghan journalists, issue them with ID cards, and help with housing and health care. He has also interceded for journalists detained by police for a lack of papers. Yet that might not be enough to prevent their deportation.

Amnesty International called for a “halt [to] the continued detentions, deportations, and widespread harassment of Afghan refugees.” If not, it said, “it will be denying thousands of at-risk Afghans, especially women and girls, access to safety, education and livelihood.” The UNHCR and International Organization for Migration, the U.N.’s migration agency, said the forced repatriations had “the potential to result in severe human rights violations, including the separation of families and deportation of minors.”

Once back in Afghanistan, returnees have found the going tough, arriving in a country they hardly know, without resources to restart their lives, many facing a harsh Himalayan winter in camps set up by a Taliban administration ill-equipped to provide for them.

Fariba Faizi, 29, is from the southwestern Afghanistan city of Farah, where she was a journalist with a private radio station. Her mother, Shirin, was a prosecutor for the Farah provincial attorney general’s office, specializing in domestic violence cases. Once the Taliban returned to power, they were both out of their jobs, since women are not permitted to work in the new Afghanistan. They also faced the possibility of detention, beating, rape, and killing.

Along with her family of 10 (parents, siblings, husband, and toddler), Faizi, now eight months pregnant with her second child, moved to Islamabad in April 2022, hoping they’d be safe enough. Once the government announced the deportations, landlords who had been renting to Afghans began to evict them; Faizi’s landlord said he wanted the house back for himself. Her family is now living with friends of Yousafzai, who also arranged charitable support to cover their living costs for six months, she said.

With no work in either Pakistan or Afghanistan, Faizi said, they faced a similar economic situation on either side of the border. In Pakistan, however, the women in the family could at least look for work, she said; their preference would be to stay in Pakistan. As it is, they remain in hiding, afraid of being detained by police and forced over the border once their visas expire.

[phoenixyfriend]

Ko-Fi prompt from @kayasurin:

Just rant about the stock market, whatever you want to say about it!

'just rant' is such a prompt for uhhhh my distaste.

LEGALLY NECESSARY DISCLAIMER: I am not a licensed financial advisor, and it is illegal for me to advise anyone on investment in securities like stocks. My commentary here is merely opinion, not financial advice, and I urge you to not make any decisions with regards to securities investments based on my opinions, or without consulting a licensed advisor.

So here are a few things:

1. Stocks are unreliable.

For the layperson, there is nothing that can be done about the direction a stock takes. Unless you are a majority shareholder, or one of several who can work in concert, you cannot affect the direction a company takes, which means you cannot affect the decisions that might cause a stock to increase or decrease in value. This is a rich man's game. The average investor is just along for the ride, god help them.

Between Random Walk Theory, the dart-throwing monkeys study, and the fact that mutual funds do not beat the market, there is just... it's a crapshoot. Anyone who tells you to invest to make a lot of money is drinking the Kool-Aid. You can invest to make a small return, to keep your money in a lot of places in case your bank gets digitally robbed or whatever your worries might be, diversification is good for safety nets, but for pity's sake, don't expect to become a millionaire, and be aware you can lose a lot, even listening to experts.

2. Stocks can be manipulated, and it's ridiculous and stupid and fucks over perfectly normal companies

Do you remember the GameStop reddit thing? I do. If you don't, please take a quick look at this record of the GameStop stock price.

See that spike in 2021? That was Reddit.

This post did a great job explaining it, but you told me to rant, and so I shall.

A large investment company had decided to make a lot of money for their clients by destroying GameStop. They did this by selling more shares than they actually owned (more than actually existed), force the market to absolutely tank the price, with plans to "buy back" the stock once it was dirt cheap, thereby making a profit for their company. This is a common form of stock manipulation called shortstelling, and investors had been doing it to GameStop for years, without the general public noticing.

Except Reddit did notice. And they decided to Fuck It Up, buying up stock at higher and higher prices, forcing the stock price to skyrocket, and the mutual/hedge funds still had to buy them back, but now it was at a massive loss, and it made headlines across the country because of how incredibly ridiculous it was.

The things to note here is that the market can be manipulated without any regard to the actual profits or health of the company, and that attempts to do so can backfire spectacularly.

3. Returns are minimal

There are two ways to earn money on stocks. The first is returns on capital investment; you buy the share at $10, sell it for $20, and you've thus received $10 profit. This is part of the incredibly unreliable bit I mentioned, because you cannot control the direction the stock takes, and generally can't predict it.

The other way is dividends, which like... profits made over the previous quarter (after paying employees, bank loans, rents, etc.) can be either reinvested to grow the company, or paid out to shareholders. But if you invest $150 in a single share of Walmart stock, your quarterly dividend is $2.25, which is $11/yr.

So unless you're investing hundreds of thousands of dollars, or get really lucky with what you choose to invest in, dividends aren't going to get you much of anything.

And when your stocks do give you healthy dividends, it's because there's money left for shareholders! Which, if you remember a few lines back, is left over after paying employees.

If an investor wants a return on their investment, and they can vote to change policy, and policy that pays employees dictates that they get a smaller dividend, do you think that the investors are going to vote to pay their employees fairly?

Yeah, didn't think so.

4. Rapid, Consumptive Growth

There was a really good post recently that described how and why the Chicago School of Economics, colloquially Reaganomics, has completely fucked over the entire US economy by encouraging the absolute worst state for the market to be in, which is seeking eternal parasitic growth. I urge you to read that one if you can, because the bloggers did a good job. Basically, screw Reagan and screw the Chicago school. The economy still would have been a capitalist hellscape without them, but they sure did hasten it!

(Prompt me on ko-fi!)

[pocketramblr]

Thanks for that answer and while I'm not fond of Toshi dying, I am curious about a canon divergence where he and AFO both go down in an act of mutual annihilation during their first battle (and AFO won't get recovered), if only for the consequences. If you're willing to do that one, I'd love to hear it, but if AM dying is a hard no, could you perhaps do an AU where AFO dies for real + consequences?

mmm, yes, how about some middle ground- AfO and All Might both die in the first fight, but Toshinori Yagi survives, barely.

1- Toshi drags AfO's corpse behind him as he goes to recon with Gran and Sir. One For All is fading, slipping out of his fingers, and he grips AfO tighter to try and hold it in. It doesn't prevent his strength from leaving, but it keeps AfO's body from being snatched. Sir is stunned and horrified by the sight, his trembling call of 'All Might?' ignored. Gran breaks through and takes the corpse from him only after he says in a voice more gentle than he's used in years that "It's done, Toshinori."

2- Gran leaves to take care of the body. Sir gets Toshinori to the hospital. He's in critical state for days. When he finally wakes up, the blood's been all washed off. He says that All For One is dead, and so is One For All. He meets Sir's eyes. "You looked?" He asks. Sir looks down. "Only to see if you'd wake up." Planning All Might's funeral, after all, would have required a lot of time. But Toshinori sighs, and says they'll still need that funeral, and Sir, as his sidekick, gets the agency. Sir says he'll just do the paperwork to get the money where Toshi wants it sent, and only for three years. Toshi wonders if he's been given a prediction, but doesn't ask.

3- Toshinori spends a lot of time on I-island in his retirement. David is one of the few people he has, after all, and once he is firm in his retirement and official death, Dave is just happy that he's alive and returning his hug to put other thoughts out of his mind for a while. Only a while, though- Dave knows the power vacuum and crime surge that's ramping up. Toshinori can't fight it anymore, but he's strategic and has a lot of intel on villains in japan, and the two of them make plans and send support to the heroes back home. It helps, a little bit.

4- But Toshinori can’t stay on I-island, even if he feels most helpful there, even if Dave and Melissa’s guest room is all but his. Nana died for Japan, and he sacrificed a lot for it too, and it’s easier to keep an eye on things there. So a lot of movement back and forth. He didn’t die after three years. Sir makes his own agency, and it’s strained but not without contact. Toshinori is tired. The world keeps changing and won’t let him rest. But, one visit to I-island, Melissa mentions that there’s a new student at the academy, a freshman who’s quirkless and from Japan. Izuku Midoriya, she thinks he and her uncle would get along.

5- so, the ripples: Because of increased crime, Inko and Izuku leave Japan to go join Hisashi working abroad, which is stressful but eventually Izuku wins entrance into I-island’s academy, the closest he could get to heroics as no schools near his new home accepted quirkless students and his parents refused to return to Japan. Endeavor, thrust into the Number One position six years early, has much less time to be home and Shoto is glad. When Fuyumi turns eighteen, she quietly asks her father for an allowance and an apartment away to watch her brothers in. Enji, two years into this change, agrees. Bakugou and Tsubasa are the two students from Aldera Middle to make it to UA High- they haven’t seen Deku since he moved away in other school, and haven’t thought about him for a couple of years. They’re close, though, as the orphanage Tsubasa lived in closed due to lack of funding and Tsubasa’s been crashing on his couch more often than not, which is not exactly a healthy environment but is better than going in the nomu soup. Mina comes across a giant man who’s sniffing around insisting that he smells All Might, that he's still here, still alive, he needs to find him. Mina watches him investigate a building that looks run down and abandoned until a short old man walks by, says he's dead, but the building is where he used to live, historic location, can’t torn down for it. The giant keeps insisting that he’s alive, the scent fresh. Mina tells him she wishes All Might was alive too, but she going to be a hero inspired by- the man lashes out, angry, and Kirishima can’t help but watches as the old man moves quickly, and the next thing he knows he’s sitting next to Mina as the police drive the giant away and the EMTs look over his friend, who’s alright but going to have a much more heroic scar than him. They promise to be heroes and have each other’s back. When they get to UA, their class looks different, fewer people each year take the entrance exam, though still more than most other schools. Hawks is exhausted as his rise through the top heroes is planned to emulate All Might’s. He had to make top ten before he was twenty, to beat Endeavor’s record, and sometime between his twenty fifth and twenty sixth birthday he knows he’s going to hit number one, burning through more and more official cases to get the number he needs. It’s not hard, with crime rates rising, even if it’s not going up as sharply as David and Toshi feared. The Yakuza is even making a comeback, as much as vigilante Stendhal tries to fight it, and Chisaki Kai’s sister is not allowed to leave the family to get married, too much risk. She resents this and slips some secrets to Giran, who’s curious about her adopted brother’s quirks- a shame his old patron isn’t around anymore, but he's got an annoying nineteen year old Tomura upstairs in his loft who tracked him down years ago, leading a mostly unresponsive Kurogiri by the hand, demanding to know why he’s been abandoned and how to fix the only caretaker he has left.

[foxnangelseo]

Investment Options in India: Diversify Your Portfolio in 2024

Diversification is a fundamental principle of investing, essential for managing risk and optimizing returns. In 2024, as investors navigate an ever-changing economic landscape, diversifying their portfolios becomes even more critical. India, with its vibrant economy, diverse markets, and growth potential, offers a plethora of investment options for both domestic and international investors. In this comprehensive guide, we explore various investment avenues in India in 2024, from traditional options like stocks and real estate to emerging opportunities in startups and alternative assets.

1. Equities: Investing in the Stock Market

Investing in equities remains one of the most popular ways to participate in India's economic growth story. The Indian stock market, represented by indices such as the Nifty 50 and Sensex, offers ample opportunities for investors to capitalize on the country's booming sectors and emerging companies.

- Blue-Chip Stocks: Invest in established companies with a proven track record of performance and stability.

- Mid and Small-Cap Stocks: Explore growth opportunities by investing in mid and small-cap companies with high growth potential.

- Sectoral Funds: Diversify your portfolio by investing in sector-specific mutual funds or exchange-traded funds (ETFs) targeting industries such as technology, healthcare, and finance.

2. Mutual Funds: Professional Fund Management

Mutual funds provide an excellent avenue for investors to access a diversified portfolio managed by professional fund managers. In India, mutual funds offer a range of options catering to different risk profiles and investment objectives.

- Equity Funds: Invest in a diversified portfolio of stocks, including large-cap, mid-cap, and small-cap companies.

- Debt Funds: Generate stable returns by investing in fixed-income securities such as government bonds, corporate bonds, and treasury bills.

- Hybrid Funds: Combine the benefits of equity and debt investments to achieve a balanced risk-return profile.

- Index Funds and ETFs: Track benchmark indices like the Nifty 50 and Sensex at a lower cost compared to actively managed funds.

3. Real Estate: Tangible Assets for Long-Term Growth

Real estate continues to be a popular investment option in India, offering the dual benefits of capital appreciation and rental income. While traditional residential and commercial properties remain attractive, investors can also explore alternative avenues such as real estate investment trusts (REITs) and real estate crowdfunding platforms.

- Residential Properties: Invest in apartments, villas, or plots of land in prime locations with high demand and potential for appreciation.

- Commercial Properties: Generate rental income by investing in office spaces, retail outlets, warehouses, and industrial properties.

- REITs: Gain exposure to a diversified portfolio of income-generating real estate assets without the hassle of direct ownership.

- Real Estate Crowdfunding: Participate in real estate projects through online platforms, pooling funds with other investors to access lucrative opportunities.

4. Startups and Venture Capital: Betting on Innovation and Entrepreneurship

India's startup ecosystem has witnessed exponential growth in recent years, fueled by a wave of innovation, entrepreneurial talent, and supportive government policies. Investing in startups and venture capital funds allows investors to participate in this dynamic ecosystem and potentially earn high returns.

- Angel Investing: Provide early-stage funding to promising startups in exchange for equity ownership, betting on their growth potential.

- Venture Capital Funds: Invest in professionally managed funds that provide capital to startups and emerging companies in exchange for equity stakes.

- Startup Accelerators and Incubators: Partner with organizations that support early-stage startups through mentorship, networking, and access to resources.

5. Alternative Assets: Diversification Beyond Traditional Investments

In addition to stocks, bonds, and real estate, investors can diversify their portfolios further by allocating capital to alternative assets. These assets offer unique risk-return profiles and can act as a hedge against market volatility.

- Gold and Precious Metals: Hedge against inflation and currency fluctuations by investing in physical gold, gold ETFs, or gold savings funds.

- Commodities: Gain exposure to commodities such as crude oil, natural gas, metals, and agricultural products through commodity futures and exchange-traded funds.

- Cryptocurrencies: Explore the emerging asset class of digital currencies like Bitcoin, Ethereum, and others, which offer the potential for high returns but come with higher volatility and risk.

Conclusion

Diversifying your investment portfolio is essential for mitigating risk, maximizing returns, and achieving long-term financial goals. In 2024, India offers a myriad of investment options across various asset classes, catering to the preferences and risk profiles of different investors.

Whether you prefer the stability of blue-chip stocks, the growth potential of startups, or the tangible assets of real estate, India provides ample opportunities to diversify your portfolio and capitalize on the country's economic growth story. By carefully assessing your investment objectives, risk tolerance, and time horizon, you can construct a well-diversified portfolio that withstands market fluctuations and delivers sustainable returns in the years to come.

This post was originally published on: Foxnangel

[roadtogracelandx45]

Unexpected|1| Webgott

This was originally supposed to be a one-shot but the more I started getting into the more I realized it needed to be a two-shot. This is the first time I am really writing Webster, so forgive me if anything is too wrong with him. I am still learning his character. (and reading his book.)

This is also going to be a part of Courage Under Fire.

Crossposted on wattpad, and ao3

3 months after Easy Company

 returns to the States

San Francisco, California 

Liebgott Residence 

David Webster didn't know how he ended up in San Francisco or how he ended up with Joe Liebgott's address but here he was standing on the porch that wrapped around the house. A porch that had a porch swing with pillows on it and planted flowers on either side of the door. 

 Olivia's touch, he assumed, the Joe, he knew would never do anything like this. Her family must have funded the house and their lifestyle. 

Joe was a barber who sometimes moonlighted as a cab driver and Olivia from what he understood from the clipped answers he got from Bill Guarnere was working with the VA.

  No way they could afford all this. 

 He swayed back and forth raising his fist to knock on the door causing a dog to bark and lights to flip on. 

Shit, they had a dog. Of course, they had a dog, they were on the path of having the whole goddamn American Dream. 

The war hero who fought in the European theater and his sweet-as-pie Southern Belle wife. And not to mention a baby. 

A baby that they found out about right after Olivia was attacked and Grant was shot. An almost final nail in the coffin of hope that Webster had built up since he returned from the hospital. 

The door swung up and the familiar click of the hammer of a gun being pulled down shook him out of his bitter thoughts. 

Standing on the other side of the door was a sleepy, shirtless Joe Liebgott with a handgun in his hand pointed right at him. His visibly pregnant wife appeared at the top of the stairs rubbing the sleep out of her eyes. "Joe? Who is it?"

"Webster! What the fuck are you doing here?" His voice was hard and cold like it had been when he first put his barracks bag in the back of the truck after returning from the hospital after missing 3 months of action.

David didn't answer him, instead, he just swayed on the spot, his eyes going from the man to the pregnant woman who had come down the steps, pulling a cotton robe closed over her nightgown, hiding the swollen belly from sight. Something he was thankful for, he hated that he got so jealous that Joe and Olivia were both getting the life that he wanted. He had come to a startling realization the night that Chuck Grant and Olivia both got hurt, that he wanted to be the one with Joe and the feelings he thought were mutual between them, and then the night after they spent together after VE day things changed.

Joe gravitate more towards Olivia again.

"Olivia." He hiccupped up.

"It's Mrs. Liebgott." She sniffed, her own bitter anger showing through, 'Let him in the house love, we don't want the neighbors talking.'

 Flicking the hammer of the gun back up Joe stepped aside and motioned for him to step into the house. 

Through the blurry vision,  he saw framed pictures in the hallway, the most recent one being taken in France after the war was officially over was of the couple at Izzy, Olivia's step-sister's quick wedding to John Egan, one of the bomber pilots from the infamous Bloody 100th. Even then, he could see the ghost of the dopey love-sick creatures they had been even with everything tearing them apart and spitting them back out.

"What're you doing here?" Joe repeated, his free hand winding around his wife's waist pulling her close to his side. 

"Fuck if I even know." He returned as he stumbled towards the armchair and flopped down onto it like he hadn't been a pretentious asshole throughout the three years they all served together. "Well for starters you can start by saying you are sorry for letting Olivia get into that Jeep with Grant." Joe's voice gradually got louder causing Webster to flinch, he had regretted letting Olivia, who had been sick and fighting a severe case of shell shock go outside and then climb into the jeep with Grant and the two replacements.

 Grant had been shot in the head and Olivia suffered an attack that almost cost her life and the life of their unborn child.

"Joe." Olivia soothed turning into him, her nose nudging against his jaw, her hand fisting into the band of his pajama bottoms, soft words being exchanged. The guilt that Webster had built up suddenly turned violent and the whiskey he had drunk started working its way back up his throat.

The love between the two was undeniable, he saw it that night when they were sent out to find the guy and Olivia and the way that Joe pulled her into his arms and how she clung to him and cried. Repeating her nightmarish attack. Joe and Bobby, Olivia's twin brother, had left her with a

 murderous Lewis Nixon and Dick Winters to go after Mac and Webster out of guilt and not wanting to see the damage that was done to her followed them and stood outside of the door watching Talbert and Luz play cards.

"I am sorry." He finally said, raising his blue eyes to look at them. "I shouldn't have let her go out with Chuck, I should have stopped her from going outside." "You are god damn right you should have." Joe bit out. "Why did you let me go if you knew that women were being targeted by the replacements and by the Krauts?" Olivia questioned at the same time.

"Because."

"That's not a good enough answer David." She snapped, "You do realize that I could have died! My baby could have died! Joe's baby could have died. Come up with an answer, or get the fuck out of my house.' 

"Because I was jealous." He raised his glassy eyes to look at the couple, he could tell that Joe was going to back his wife up and decided to just come out with it, “I was jealous because I am in love with you, Joe and you chose the social norm and her over me.” 

Surprised Joe led his wife to the couch to sit down, he was thankful that Olivia insisted on getting up when Webster knocked instead of staying in bed like the doctors wanted her to.

Too much excitement wasn't good, Joe blamed the attack and the fact that their mother had been running around in active shellings and patrols to save the men and he tried to enforce it but it was hard.

 She couldn't even take it easy after she got hurt, they had to sedate her to make her rest. He hated to do it but it was the only way that she was going to rest and in turn the nightmares were horrible. 

She woke up in cold sweats or screaming.

If she hadn't insisted on coming downstairs to see what was going on he would have laid David out. The anger outweighed that fleeting crush he had. 

The more time Joe had spent around Webster, the more he understood why Olivia spent so much time with Lewis or even Dick. It was a different kind of relationship than what they had and sometimes they craved it. 

"You are what?" She questioned with a surprised laugh, her hand gripping his hand in hers, honestly, she wasn't surprised by it. She had spent a better part of two years in close quarters with Nixon and Winters and saw how they were with each other and understood, "You know what," Olivia started as she squeezed her husband's hand and started to stand up, "You two need to talk and I don't need to be present.' Joe tightened his grip on her hand to make her stay seated next to him.

"Babe, you need to work this out, I will be upstairs with Peaches." Peaches was their beagle, a pup from her grandfather's dog Addee. "You know that it's going to take forever for me to go back to sleep."

David felt even more guilty, he should have thought this through all the way. But when it came to Joe Liebgott, he never seemed to think properly.

[preacherhannes]

[ misha collins | he/him ] Another face is seeking safety in New Orleans. Make sure to welcome HANNES DAYMON to the home of the resilient. Rumor has it that they are an 48 year old FAIRY , who is one of the RETURNED but we’ll keep that a secret. They are said to be ANXIOUS, but that’s all a façade to cover up their CARING nature. We’ve heard that they can be found listening to TOO SWEET by HOZIER, which sums them up pretty well. Let’s hope that they can find a way to survive this harsh new world.

BASIC INFORMATION

FULL NAME :  Hannes Andrew Daymon

NICKNAME(S) : Han

DATE OF BIRTH : July 24th

ZODIAC SIGN : Leo

RELIGION : Catholic

PHYSICAL INFORMATION

HEIGHT : 5'10

EYE COLOUR : Blue (almost grey)

HAIR COLOUR : Brown

DOMINANT HAND : Right

TATTOO(S) :  ‘Shine Until Tomorrow’ on his left wrist

SCAR(S) : Multiple from childhood incidents

PIERCING(S) : N/A

GLASSES : Yes, Rectangular black rimmed

BACKGROUND INFORMATION

CURRENT RESIDENCE : New Orleans, Louisiana

LANGUAGE(S) :English and some German

PARENT #1 : Anne Davis

PARENT #2 : Daniel Daymon

SIBLING(S) : N/A

CHILDREN : N/A

PET(S) : Blue Bay Shepherd named Obsidian

VICES + HABITS

SMOKES? : No

DRINKS? : No

DRUGS? : Nope

VIOLENT? : Not unless he has to be

ADDICTION(S)? : N/A

SELF-DESTRUCTIVE? : Not particularly

HABIT(S) : Rubbing hands on face when stressed, rubbing hands together, knee bounce for days, rubbing back of neck when anxious. Tends to touch people without asking

HOBBIES : Singing, listening to music, being around people and playing.

LIKES : Family, mysteries, intimacy, tattoos, urban exploring, road trips, snow, movies/books, crystals, runes, tarot cards, baking

DISLIKES : Pain, being inured, heartache, rain, closed spaces, crowds, escape rooms, getting lost, talking during movies.

MEDICAL HISTORY : Anxiety, depression.

July 24th, 1974, Hannes Daymon was brought into the world, kicking and screaming. He wasn’t exactly a planned child, as his parents didn’t really have the funds for another human in the world, but they did their best with what they had. He began his first few years in a small, one bedroom trailer home. While it was cramped, Hannes never really minded too much. In fact, he loved how cramped they were, because that meant he was always getting attention from his parents when they weren’t asleep, or working. Things changed for the better when Hannes' father became a preacher when Edward was 5 years old. They were able to exchange the trailer for a real, normal two bedroom house. To say that little Hannes was excited would have been an understatement at that time. Sure, he would miss the closeness and always having his parents at least two feet away from him at all times, but he finally has his own room and enough space to put a swing set and maybe a small above ground pool. What more could a boy want? Growing up, Hannes became the popular kid in high school and even college. But he wasn’t the typical ‘plastic’ boy. He was just way too kind to others (and got taken advantage of multiple times) and that made him popular with just about everyone. Graduating highschool with straight A’s and B’s, he entered college with the hopes of getting a certification to become a veteranarian. But that almost immediately switched when he found out what he would have to witness on the way to being a vet. So, he switched to his second option; becoming a preacher just like his father. Luckily, the college offered all the classes he needed to be certified and Hannes passed them with flying colors. Skipping ahead to his adult years, he met a woman who he thought he loved. He gave his whole world to her, even married her, but it just didn’t work. There was something else he needed in his life that his wife just couldn’t give him. He’d started to fall for one of his male coworkers, but the coworker soon broke his heart in two when he chose another person to be with. He soon figured that it probably wasn’t too fair to his wife to be leading her on, so with a mutual agreement for a divorce, the preacher moved into New Orleans in hopes of finding true, unadulterated love.

[cheerfulnihilismqualitysuffering]

Because recent events in my professional life have triggered old work-related/existential traumas, I'm going to tell you all the story about what happened around the time that I started the Facebook page cheerful nihilism and why I started it.

Roundabouts 2016 I was in grad school for my fourth degree, if you can imagine. I already had a BS and MS in psychology, and then I had gone back to grad school after a brief stint working in social work because I got so burnt out. I got a master's degree in health behavior education, and went on to attempt to get my PhD.

Getting a PhD had always been an ultimate life goal, for me. I'd always gotten high marks in school, and been involved in honors and gifted programs. When I was applying for my PhD program, I noticed that a lot of the professors that I spoke to about getting a reference had some reservations about the mentor that I was going to partner with. No one would be direct with me and tell me exactly what the problem was, they would just say that she was "difficult to work with." This was true, all the collaboration that she did was with people who worked at other institutions not at the University that I was attending in Florida.

But I had grown up with a mother who can be difficult to get along with, so I thought I could handle it. I was also involved in a really abusive relationship, so people talking down to me or trying to make me feel bad about who I was in order to make themselves feel better was just my normal at that time.

I was unable to afford the trip to present my research at the American public Health association National conference in Denver. Imagine my surprise when a mutual who had no immediate connection to my advisor posted a picture of my advisor standing in front of a poster board presenting my research, without my name on it. She was presenting my research as if it were hers. It felt like a gut punch, I had kind of heard that these things could happen but I had never thought that it could happen to me.

I screenshot the picture and sent it to the dean of the college. That was a mistake. This initiated an investigation that would ultimately end in me not being able to find a new mentor because during the investigation my advisor blackballed me, wrote a letter to the fellowship funding committee that was funding my phd, and claimed that I hadn't done any of the work that I was supposed to be doing to earn my fellowship. I found this ironic because she was just presenting my work... But everybody just believed her. They just assumed that she was telling the truth, that I was insane. Even after a human resources investigation did find that she behaved and unethical ways, because she had tenure, she was just prohibited from taking on any new mentees for a couple of years.

I was told that I could continue in the program if I could find a new mentor, but at this point I was untouchable. I ended up dropping out. The craziest thing is that the department actually sent me a letter demanding that I return the fellowship funding for the last half of 2016. This was on the grounds that, according to my former advisor, I hadn't been doing any work. I sent them a letter with a good faith repayment of $1. I explained to them in the letter that if they disagreed with my explanation they could take me to court. They stopped bothering me after that, but they probably sold it to a collections agency.

While all of this was going down and I was being completely broken by academia, I started a meme page on Facebook. Because I had been unmored from everything that had previously given my life structure or meaning, I became very nihilistic. But it wasn't the depressive nihilism that I often see characterized elsewhere, it felt almost liberating to me. I had grown up going to Catholic school for 9 years, my father was career military, the belief in a judeo-christian God was a strong foundation in my family of origin and all of them still regularly attend church.

The idea that life didn't have any ultimate meaning meant, to me, that I was actually free to just create my own. I'm not staunchly atheist, I'm generally agnostic. What I have personally experienced/witnessed throughout my life characterizes a deity with a morality that I cannot understand or connect to in any meaningful way.

Academia broke me. I'm glad I broke, tbh, I lost a lot of the ideas about myself that were programmed into me by society and my family of origin. That was a good thing. It rapidly sped up the process of de-culturing. Instead of scrambling to put myself back together in a semblance of what I assumed society wanted from me, I just let myself reassemble in whatever way I ended up reassembling.

I started the Facebook page on a lark. Parasocial relationships are dismissed by self-help gurus, but they were the only safe way I could connect to other people at that time. Strangers on the internet were more authentic and genuine with me than the people I saw face to face.

Oh there's tons of trash comments, too. But interestingly, if you're visible to a million people and get hundreds of cruel comments you start to realize that the only ones that hit the mark are the comments that echo the voice of the inner critic in your own head.

[slimeywooper]

Labmas AU ideas part 1.

Long post incoming! I'm trying to keep my thoughts as comprehensible as possible.

The hybrids have Ingo and Emmet's Japanese names Nobori and Kudari. They were created by Colress , who is more of a Biologist/ geneticist in this world, his goal being to create the perfect Pokemon. So far he's only had two successful experiments, those being Nobori and Kudari, though they are only considered successful in the sense that they were viable specimens and are currently alive and working alongside him. I view him as very much an opportunist, even in USUM when it appears he might have some remorse for his past actions. To clear up any confusion, the Colress in this story isn't the same one that is met in USUM, I was just stating a parallel between them.

Now I'm gonna say something regarding their ages that might bother some people. I'm of the opinion that most of the non playable adult characters in Pokemon are older than they look, barring certain characters like Ghetsis, Cogita, Warden Ingo, etc. who are clearly drawn to have age lines. My logic being that many of them are in careers or have accomplished goals that would take years to complete. So for my AU, Ingo, Emmet, and Colress are in their early to mid forties, whereas the hybrid twins are in their early to mid twenties. They were created shortly after Colress graduated high school and was recruited by Team Plasma. Ingo and Emmet, graduating from the same high school as Colress, went on to become Subway Bosses and run Gear Station. They are connected to Team Plasma via a mutually beneficial business relationship. Gear Station gets funding from Team Plasma in return for information on the Subway Bosses' most promising challengers.

Colress can't stand the Train Bros. I'm still trying to work out exactly what they did to piss him off, but, like all good one-sided rivalries, it started in high school. Most likely something having to do with losing a Pokemon battle, and Emmet being extremely blunt, can't help but continually bring it up. Just stupid, petty stuff that has lasted half of Colress' life. Ingo and Emmet's DNA was used by Colress more of as a passive aggressive jab at them, not intending for it to be anything more than a joke. More of a "wouldn't it be funny if I added their genetics to my experiments?"

[notfinancialadvice]

I get this + similar ads a lot.

Ignore them.

Fear mongering that things are about to collapse, and fear of missing out on the current-thing that is rising, are both used to sell financial products and/or books, classes, seminars... etc.

If you are close to, or in, retirement, your portfolio should be structured towards safer things (such as government and corporate bonds). These pay smaller returns, but are far less likely to be defaulted upon.

The likelihood of a government bond being defaulted on is statistically irrelevant, the likelihood of a corporate bond is linked to the credit rating. Returns are thus weighed.

If you have 10+ years to retirement, then doom-sayings do not fucking matter and I cannot stress this highly enough.

You absolutely need to pay attention to your portfolio and/or have someone who does and/or say "to hell with this" and stick your cash into funds that handle this for you.

The funds that handle this for you are mutual funds (you buy 1 stock, it is a basket of a bunch of other stocks) or index funds (you buy 1 stock, it is a basket of other stocks) or something similar. The value of this approach is you don't pick stocks, some professional with a vested interest does.

Different versions have different fees ("The basket of funds has produced $1.00 in profit. The fund's price raises $0.98 in value. We keep $0.02 internally") and risk tolerances.

Some funds take some big risks and balance this with very safe stocks/bonds/etc. Some take moderate risks. Some take practically no risk.

The entire point is to mitigate risk to you and lower the amount of work you have to do to figure out "what is going to be the next Amazon in 20+ years."

Picking individual stocks is extremely difficult, time-consuming, risky, requires timing, a LOT of knowledge about a LOT of simultaneous things, and must be CONSTANTLY monitored, 24/7, 365. Huge amounts of extremely specialized data that is ungodly fucking expensive to acquire (much less analyze).

My personal strategy:

I have money-folks who handle about 95% of my investment cash. This is what they do for a living and they are equipped, talented, skilled, resourced, and have a professional and legal duty to grow it. They also get paid more if it grows, so, y'know, we all win.

The cash they handle is frozen. I do not touch it. If it evaporates I'm fucked, which is why I don't touch it.

I keep a small chunk to use for business opportunities I find. They are comparatively smaller in volume, and frequently extremely risky from a business perspective. I hedge risk as possible but there is always a decent chance the entirety could evaporate in weeks (or sooner).

I do this because sometimes it makes money! When it does, it is at a massively higher percentage than the money-nerd-handled money.

Here is a stock I hand-picked a week ago. It has more than tripled.

This is a fun number to look at.

This is a post about a company I invested in that said "Hey fuck you we're dead now. The money you gave us is gone forever. You now have a printable piece of capitalism art."

The best part is the founders ripped the wiring from the walls and sold it to re-launch the company in a private venture.

Which is not fun to look at! It gives me vibes somewhere between "we were incompetent" and "we were scam artists." It doesn't matter! It's gone, it's done, I've moved on I chalk it up as a learning experience expense.

But proves my point. Had I gone all-in with every penny, I would have $0.

Don't listen to doomsayers -- you'll invest emotionally, you'll lose, and maybe you'll lose everything. You'll either take stupidly high risks or you'll take absolutely no risk, and thus make no profit. Or you'll be scammed! Or, most likely, a mixture.

Do invest rationally:

"This company has promise. Their business model and financials are sound. This makes sense to me. I will invest with them until we no longer align."

"This company is doing something that won't make money and/or is likely to fail, but pushes the world in the direction I want the world to go into. I can afford fiscally and mentally to lose this money if they fail. The cost of moving the world in this direction is worth it to me."

AND MOST IMPORTANTLY

"This group of professionals is professionally and legally responsible for protecting/growing my cash. They are also fiscally incentivized to do so, which loops together their responsibilities nicely. They will handle the vast majority of my money bricks."

[brianrayhack]

The Benefits of a Roth IRA Savings

The Benefits of a Roth IRA Savings http://brianrayhack.com/the-benefits-of-a-roth-ira-savings/ A Roth IRA is a type of retirement account that allows people to withdraw tax-free money from their accounts. A Roth has various benefits, such as its ability to grow tax-free. Roth IRAs are versatile and can provide people with tax-efficient retirement savings. If you are not currently a Roth IRA owner, here are some reasons why starting one is a good idea.   You get tax-free growth A Roth IRA allows people to avoid taxes on the money they invest. This eliminates the worry of having to report investment earnings on their taxes. Unlike other retirement accounts, Roth IRAs do not have to be held in a bank or other financial institution.   You can take tax-free withdrawals in retirement Individuals at least 59 1/2 years old and who have owned a Roth account for at least five years can withdraw without paying taxes or penalties. In retirement, your income will not be affected by a lump-sum withdrawal. This benefit is important because your income will affect your taxes, including those related to Social Security and Medicare Part D premiums.   You decide when, if, and how to take withdrawals A Roth IRA does not have a minimum distribution requirement. It allows people to withdraw early without paying taxes or penalties on their contributed money. However, if you are under 5912, you may be subject to penalties and taxes on the earnings that you withdraw. It’s generally better to contribute to a Roth IRA and let its returns work for you rather than take distributions from it.   You may qualify for additional tax credits Individuals who contribute to a retirement fund or a type of retirement account such as a Roth IRA are eligible for the Credit for Savings Contribution. The amount that you’ve contributed and your adjusted gross income are the factors that determine whether or not you can qualify.   Your beneficiaries won’t be taxed Your beneficiaries will not have to take distributions from your Roth IRA as long as the account has been open for at least five years. This means that they won’t have to pay taxes on the money they withdraw. Please contact your financial advisor if you have any questions about this process.   Choose from a wide variety of investment options Roth IRAs also provide an extensive selection of investment options. For instance, you can choose from a variety of low-cost exchange-traded funds and mutual funds offered by companies such as The Vanguard Group.   You should keep in mind that you can still contribute to a Roth IRA for as long as you like. Even if you need to take distributions, you’re still contributing to this type of retirement account to ensure that you have enough money for retirement. The post The Benefits of a Roth IRA Savings first appeared on Brian Rayhack | Professional Overview. https://ifttt.com/images/no_image_card.png via Brian Rayhack | Professional Overview http://brianrayhack.com June 13, 2023 at 10:52PM

[besttradingplatform1]

Zerodha Discount Broker Review 2020: Compare Broker Online

Zerodha with a one of a kind name and significance, Zero + rodha (Barrier in English) is developing as the single largest discount broker in India you will see in this    zerodha discount broker review 2020. The reason Zerodha turning into the best trading platform in India is expected to giving “the best internet exchanging stage India”, “low brokerage and high presentation”, “free direct shared reserve venture stage” and “effective client assistance.”

In only a limited capacity to focus time (9+ years) Zerodha top the list to become the best stock broker in India as far as dynamic customers. Zerodha contributions & backing is developing step by step.

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Zerodha offers free exchanging value delivery and charges a low brokerage of Rs 20 or .03% whichever is lower for exchanging value Intraday, F&O, cash, and ware.

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Zerodha Mutual Fund Investment

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 Source - https://medium.com/@deepakcomparebroker/zerodha-discount-broker-review-2020-compare-broker-online-2e0b057bef50

Related - https://comparebrokeronline.com/

[mariacallous]

As NATO prepares to celebrate its 75th anniversary next year, the bloc’s original architects would have been stunned by its broad membership and growing agenda today. In helping design the new alliance for the purpose of containing the Soviet Union in Europe after World War II, the U.S. diplomat George Kennan argued that NATO should take its name literally and include only North Atlantic countries—excluding Mediterranean states such as Greece, Italy, and Turkey. His rationale was that only countries on the Atlantic seaboard could be effectively supplied by ship in the event of war with the Soviets, whereas including others would remove all limits to the bloc’s commitments and be unworkable. To ensure that Article 5 of its founding treaty—the collective defense clause—was ironclad, NATO kept a laser-sharp focus on military preparedness for much of its history.

Today, NATO has 31 members (though when Sweden joins, it will be 32) and more than 30 partner countries across the world. Its agenda has expanded to issues beyond territorial defense, such as cybersecurity and counterterrorism. Last year, the bloc established the Defense Innovation Accelerator for the North Atlantic, a 1-billion-euro (about $1.1-billion) fund for emerging and disruptive technologies.

Yet as the toolbox of statecraft has expanded in response to security challenges, NATO has retained a narrow focus on military objectives. And even in this area, it has been constrained in delivering on its goals. Defense ministers, for example, can make commitments at NATO meetings, but finance ministers may not find the required resources at home. For European countries, dual membership in NATO and the European Union has diffused responsibility and led to significant underinvestment in military preparedness. Too many European leaders still hope that Washington or Brussels will take care of it.

With the return of war to Europe and the Middle East, as well as great-power competition to the world, NATO’s vision and scope need to be broader. The alliance faces not only Russian aggression, but also the challenge from China and other autocratic, revisionist actors seeking to upend the global order. Security today involves a comprehensive toolbox, including economic sanctions and industrial policy, and needs to bring the relevant actors into the fold.

Consider the current state of play. Last month, 31 foreign ministers met at NATO headquarters in Brussels to discuss a range of security issues, from Russia’s war against Ukraine to the long-term challenge of China. Yet the only major decision achieved at the two-day gathering was a brief three-paragraph statement on Ukraine that echoed previously agreed-on language. The Israel-Hamas war and its effects across the Middle East, which was top of mind for many of the participants, was barely addressed at all, even though many European NATO members will be directly affected.

The allies’ ambition should therefore be to make NATO the premier forum not only for trans-Atlantic military cooperation, but also for better coordination among the world’s democracies. Europe and the United States should leverage NATO to buttress international order alongside their Indo-Pacific partners. To that end, the institution should globalize its agenda and find ways to work more closely with its partners outside the Euro-Atlantic region.

Currently, too many issues that are central to the security of NATO allies are dispersed across multiple forums, contact groups, and bilateral channels. NATO is charged with collective security for Europe and North America. The EU also has a mutual defense clause for its members and has moved forward on defense cooperation and funding. Both blocs have intensified their security outreach to countries in the Indo-Pacific. That, in turn, overlaps with the Quadrilateral Security Dialogue—comprising Australia, India, Japan, and the United States—as well as the Australia-United Kingdom-United States pact. Also involved is the G-7, which has evolved from a talking shop to a forum where the leading democracies deliberate on economic sanctions and technology policy. The U.S.-EU Trade and Technology Council has a similar remit—but neither it nor the G-7 can make binding decisions. All this overlap produces confusion and lack of focus, restricting the ability of NATO members to develop an effective strategy, let alone make efficient decisions in times of conflict.

To remove these political detours and bureaucratic obstacles, it would make sense for many of these discussions and decisions to take place in a single forum—or at least, for the various strings to come together in one place. And that would be NATO, which has the strongest record on addressing collective security. Issues to be integrated with military defense would include economic sanctions, export controls, industrial policy, technology policy, foreign investment screening, outbound investment controls, secure supply chains, and trade measures.

For a start, there should not just be regular meetings of NATO defense and foreign ministers. Ministers responsible for finance, trade, commerce, and technology should convene within NATO as well. All these areas are vital for national security.

In addition to globalizing its agenda, NATO should also expand the participants in these discussions to include Indo-Pacific partners, such as Australia, Japan, New Zealand, and South Korea. Leaders of these four countries attended NATO’s annual summits in 2022 and 2023, but instead of cooperating on an ad hoc basis, it would be better to establish standing open invitations to NATO summits and ministerial meetings.

The bloc could also establish a council of NATO members and Indo-Pacific states—akin to the NATO-Ukraine Council—where those partners could convene meetings and be on equal footing with the NATO allies. Over time, additional partners could also be invited.

These changes require a shift in mindset within NATO. The bloc is rightly regarded by many as the most successful military alliance in history, but it could also be the most effective international institution for foreign-policy coordination and implementation. However, its primary focus on the Article 5 collective defense guarantee has developed into inherent institutional caution and constraint.

Yet not all security challenges trigger Article 5—and even then, the defense clause does not set off an automatic response. Article 5 states only that if armed attack occurs against a NATO member, each ally commits to assist the attacked country with “such action as it deems necessary.”

On the one hand, NATO’s focus on Article 5 has made the alliance an undisputed success, with every square inch of territory backed by the full weight of the alliance, which includes potential nuclear retaliation. In all of NATO’s long history, the bloc invoked Article 5 only once: after the 9/11 terrorist attacks on the United States. On the other hand, the emphasis on Article 5 has also constrained the bloc’s potential for more nimble political action.

NATO would benefit from greater strategic flexibility to address security policy issues. A useful historical analogy is the shift in U.S. foreign policy during the Cold War, when Washington moved from the doctrine of massive retaliation to so-called flexible response. In the 1950s, the Eisenhower administration defined its deterrence and containment policy in terms of overwhelming response to any encroachment by the Soviet Union or the communist bloc. But this outsized commitment made foreign policy too rigid and limited: After all, not every nail around the world required a nuclear hammer. Thus, the Kennedy administration devised a more agile approach, including military and nonmilitary options for a particular crisis in proportion to the specific situation.

NATO already has the institutional mechanism for a broader approach to security. Article 4, for example, provides for political consultations whenever a member considers its “territorial integrity, political independence or security” threatened. This is both a broader remit and a lower threshold, allowing security threats short of a military attack to be addressed. It would be the institutional basis for the alliance to incorporate key tools of security policy, such as economic sanctions and export controls.

NATO also has a basis for addressing issues such as industrial and technology policy as means to develop defense and security capabilities. Under Article 3, allies have committed to “maintain and develop their individual and collective capacity to resist armed attack” through “self-help and mutual aid.” NATO should facilitate better coordination on defense investment and ensure that the allies maintain a long-term technological competitive edge over their adversaries.

A broader and more global NATO would help overcome the hobbled, overly complex decision-making processes among the Euro-Atlantic allies and their partners in the Indo-Pacific. That said, there should be no illusion that an institutional setup alone can escape the primacy of politics.

Organizations such as NATO are what their members make of them. Blaming them for failure or inaction is like blaming Madison Square Garden when the New York Knicks play badly, as the late U.S. diplomat Richard Holbrooke once quipped.

But a simplified and better-designed institutional setup would go a long way in facilitating sounder, more efficient decision-making during unavoidably turbulent times.

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Top Reasons to Choose Fixed Deposits for Guaranteed Financial Safety

In today’s world, where economic uncertainties and market fluctuations are common, securing your hard-earned money in safe and reliable financial instruments is more important than ever. Fixed Deposits (FDs) are one of the most trusted and popular investment options for individuals looking to ensure the safety of their savings while earning a steady return. Here’s why fixed deposits are an excellent choice for guaranteed financial safety.

1. Guaranteed Returns

One of the biggest advantages of fixed deposits is that they offer guaranteed returns. When you invest in an FD, you know exactly how much you will earn at the end of the term. Unlike stocks, mutual funds, or other market-linked instruments, the returns from FDs are not subject to market volatility. The interest rate is locked in at the time of investment, ensuring that your money grows steadily over time without any surprises.

2. Low-Risk Investment

Fixed deposits are one of the safest investment options available. Banks and financial institutions are regulated by government bodies, and the chances of defaults are minimal. The safety of your investment is further enhanced by deposit insurance schemes, which ensure that even if a bank faces difficulties, your deposit is protected up to a certain limit (e.g., ₹5 lakh in India).

3. Flexible Tenure

Fixed deposits come with flexible tenures, allowing you to choose a period that best suits your financial needs. Whether it’s a short-term FD for a few months or a long-term one for several years, you can select the tenure based on your goals and liquidity requirements. This flexibility gives you control over when you want to access your funds while still earning a fixed interest rate.

4. Regular Income Option

For those looking for a steady income stream, fixed deposits offer the option of receiving interest payouts on a monthly, quarterly, or annual basis. This feature makes FDs an ideal choice for retirees or anyone who wants a regular income from their investments without worrying about fluctuating market conditions.

5. Tax Benefits

In some countries, including India, certain types of fixed deposits offer tax benefits. For example, tax-saving FDs allow you to claim deductions under Section 80C of the Income Tax Act. These FDs have a lock-in period of five years and can help reduce your taxable income while growing your savings.

6. No Impact from Market Volatility

Unlike stocks, mutual funds, or other equity-based investments, fixed deposits are not affected by market fluctuations. This makes them a safe option for conservative investors who prefer a stable, predictable return. Regardless of how the market behaves, your FD will continue to earn the same interest, ensuring the safety of your principal amount.

7. Easy to Open and Manage

Opening a fixed deposit account is a simple and hassle-free process. Most banks and financial institutions offer online facilities, allowing you to open an FD from the comfort of your home. Additionally, once you’ve invested in an FD, it’s easy to manage. You don’t need to constantly monitor the performance, as you do with stock investments, and there’s no need for frequent decision-making.

8. Liquidity with Premature Withdrawal

While FDs are designed to lock in your money for a fixed tenure, they also offer a certain degree of liquidity. In case of an emergency, you can withdraw your FD before the maturity date, although you may face a penalty in the form of lower interest rates. This makes FDs a relatively liquid investment, providing access to funds in urgent situations.

9. Low Minimum Investment Requirement

Another reason why fixed deposits are a popular choice is their low minimum investment requirement. You can start with a small amount, which makes FDs accessible to people from all financial backgrounds. This is particularly beneficial for those who are just starting to save or invest but want to ensure their money is in a safe and reliable option.

10. Ideal for Goal-Oriented Savings

Fixed deposits are an excellent choice for those who want to save for specific financial goals, such as buying a house, funding education, or planning for retirement. Since FDs offer guaranteed returns, you can calculate exactly how much money you will have at the end of the term and plan your finances accordingly.

Conclusion

In an unpredictable financial landscape, fixed deposits offer peace of mind by providing a safe and reliable avenue for growing your wealth. With guaranteed returns, low risk, and a flexible tenure, FDs are an ideal option for conservative investors who prioritize financial security over high-risk, high-reward investments. Whether you’re saving for a rainy day, a specific goal, or simply looking for a safe place to park your savings, fixed deposits are a smart choice for guaranteed financial safety.

Investing in fixed deposits ensures that your money is in safe hands, allowing you to focus on other aspects of your life without worrying about market risks or fluctuating returns. Start today and enjoy the security and peace of mind that come with fixed deposits!