#6 month 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 मैच्योरिटी 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…

[krabbages]

I don't like to make posts like this, but is anyone able to spot me $15 so I can buy my medicine? I'm completely out and it's what keeps me from having major pain flares....I don't get paid for my new job until next week and I really really don't want to go without but I don't have the money for it...

If you are able please either dm me or you can donate through my ko-fi (link in bio)

Thank you ❤️

[sofialily440]

Note: Mutual Aid in this case are organizations such as CareforGaza, Watermelon Relief Aid, El Elna Elak, etc.

Feel free to promote GoFundMe's for people in Gaza under this post, especially if you're Palestinian!

[thedailydescent]

📚Book Raffle for Laila and Hashim!📚

"In those beautiful days, we used to meet in the morning and in the evening with delicious coffee and talk about our dreams for the future in order to build a new house or start a family and have a child, but now we don't meet on anything..."

Hashim and Laila (@hashimsafadi) are a couple from Gaza desperately trying to raise funds to evacuate safely, but unfortunately, despite campaigning for more than five months, have only raised €1,668 of their €30,000 goal. I have spoken about this couple before on my blog here, here, and here.

They have also been shadowbanned on Tumblr, and are unable to send messages or tag people. Because of this, I've decided to host a book raffle of behalf of them.

I am raffling off my copy of The Divine Comedy- Collectible Deluxe Edition - ILLUSTRATED Leather Bound Hardcover. It was purchased at the House of Medici in Florence, and is still in mint condition.

If you donate:

-€5-€9.99 to Hashim & Laila, you are entered in once,

-€10-€14.99, twice,

-€15-€19.99, three times,

-€20-€24.99, four times,

-€25+, five times.

Send me proof of donation by dropping it in my submission box (if I follow you or we're mutuals you may message me). The donation must have occurred between Oct 5-Nov 5. Nov 5 is the last day to enter and the winner will be announced on Nov 6!

Currently, Hashim and Laila are without proper shelter and have been suffering from the heat, rain, polluted drinking water, and skin diseases. They have already been displaced several times. It is vital that they have a safe place to stay in for the upcoming winter.

Please help them out.

This fundraiser has been vetted by Pali Pals (@victoriawhimsey).

You can also follow Hashim on Instagram here and here for further updates.

For further reach, reblog and tell me in the tags:

@heritageposts @neechees @jezior0 @schoolhater @aria-ashryver

@90-ghost @appsa @notalk-justthought @sar-soor @riotdyke

@vakarians-babe @vakarian-shepard @sayruq @riding-with-the-wild-hunt @commissions4aid-international

@ghost-and-a-half @4ft10tvlandfangirl @flower-tea-fairies @tamamita @turtletoria

@thatdiabolicalfeminist @fiishboowl @tooquirkytolose @2spirit-1spoon @kropotkindersurprise

@xinakwans @charlesoberonn @vague-humanoid @mysharona1987 @memewhore

@mens-rights-activia @paper-mario-wiki @workersolidarity @queenangella @troythecatfish

@the-bastard-king @palipunk @neptunerings @earth-dad @papasmoke

@lanliingwang @skarchomp @gogopri @athetos @doyouknowthisgame

@sapphling @cowboycostume @thelastbacchae @heir-of-the-chair @woodwool

@transmarx @tadpoledyke @soaen @kandyshoppe @v1leblood

@meshimellow @garcavisconde @iwtvdramacd18 @softdog @dollyrin

@indihome-suck @socalgal @wayneradiotv @ghelgheli @maester-cressen

@northgazaupdates @watermotif @stuckinapril @mavigator @zamanassad

@yugiohz @aristotels @komsomolka @toiletpotato @fromjannah

@omegaversereloaded @punkitt-is-here @timetravellingkitty @deathlonging @briarhips

@dirhwangdaseul @mahoushojoe @rhubarbspring @pcktknife @transmutationisms

@sawasawako @deepspaceboytoy @post-brahminism @khanger @3000s

[ana-bananya]

Mutual Aim: All Safe Hands on Deck

Current progress: $20,655/$220,000

This is a link to Mutual Aim's newst campaign: All Safe Hands on Deck. A while ago, gfm shut down the fundraiser they hosted there and withheld the $39,000 they had raised for Sudan, Tigray, and the DRC (you may recall their previous campaign from this post). They've set up a new one on Zeffy to help fund their mutual aid projects, including:

1. Supporting other grassroots organizations who work closely with the people of: Congo, Amhara, Cameroon, Sudan, Tigray, and Haiti

2. The first installment of Mutual Aim's village in Chad.

3. Starting and supporting small businesses in Chad for locals and displaced people.

4. Creating and supporting the small businesses for the women and men of Congo in the displacement camps.

5.Breakfast for 400 displaced Congolese children for the period of one month.

6. Building temporary homes and supplying other basic needs for the people of Congo in the displacement camps, to protect them during the incoming rainy season.

7. Local mutual aid requests here in the global West.

8. Administrative fees for the organization to run programs efficiently.

Additional resources can be found in Shaky's (the founder of Mutual Aim) linktree

[kinardsevan]

I wanna see both 4 and 6 but my first choice is 4

Tommy is pissed. He and Evan had plans to spend a week off in Florida, hitting up all the parks at Disney World. The tickets have been bought, the bags are packed, and they’re supposed to be leaving in twenty-four hours. 

Which is why he can’t understand why Eddie called him from the ER. 

Last he’d heard from his boyfriend and their mutual best friend, they’d been planning to take a bike ride through the park. Evan just got a new mountain bike that he’s been using pretty regularly on his days off. Tommy has joined him on several of the rides,  but he’d been finishing up a 12 that he’d picked up off of one of his coworkers to help add to their vacation fund. 

When he walks into the trauma bay, Evan is on the gurney and Eddie seated in the chair beside him, arms crossed. 

“What in the fuck happened,” he asks, taking in Evan’s obvious injuries. He’s managed to scrape up half his face, there’s a nasty cut on his knee that probably needs stitches, and Evan is holding his left arm pretty tightly to his body in a way that has Tommy thinking it’s probably pretty injured. Eddie isn’t unscathed either; he has scrape on both calves and forearms, but he’s far less beat up than Evan is. 

“We were just fucking around and finding out,” Evan replies, keeping his gaze low. “And we ended up finding out a little too hard.” 

Eddie snorts. 

“Evan.” 

“He went over this thing that looked like a half-pipe,” Eddie states. 

“Edmundo!” Evan whines. Tommy glares at him. 

“Which one of you is in the hospital bed right now, Evan,” he chides. The blonde flinches at the statement. 

“Anyway,” Eddie continues. “Turns out it was a wall, not a halfpipe.” 

Tommy’s gaze zeroes in entirely on Evan than. 

“What in the actual fuck?” He asks. He’s laughing, and he’s not even sure why, because he’s definitely not amused. “Baby,” he comments incredulously. 

Evan presses his lips together in a thin line, eyes darting back and forth away from both Eddie and Tommy’s gaze. 

“Oops?” he finally comments after a silence that’s drug on far too long. 

Tommy just shakes his head, and he laughs again, mostly because he both can’t and can believe this is the life he signed up for when he and Evan started dating exclusively eight months ago. 

“You’re an absolute shit head,” he tells him, crossing the room and perching on the bed, resting a hand on Evan’s thigh, away from the blood. “And you’re lucky I love you.” 

Evan blushes then, looks up at him, a small smile on his face. “Still?” 

Tommy tilts his head at him. “Yes, still.” 

Eddie gags obnoxiously then, pushing himself up from his chair. 

“I’m gonna go find the vending machines,” he states. “Let me know when we’re leaving.” 

He walks out of the room, leaving Evan and Tommy alone. Tommy shifts into the empty chair, leans his head against his hand with his elbow on the arm of the chair. 

“So what’s the worst of it,” he asks. Evan gets that inconspicuous look on his face again, looks away. He scrunches his face, like he’s trying to make less of the moment. 

“Just a small, minor…dislocation.” 

Tommy groans then, dropping his head back on the chair. After a beat, he lifts it back up, looking over at his boyfriend. 

“Still going to Disney World tomorrow?” He asks. 

Evan grins. “Oh fuck yes. Try and stop me.” 

[afeelgoodblog]

The Best News of Last Week - April 3, 2023

Kentucky Legalizes Medical Marijuana in Bipartisan Vote After Decade of Failed Attempts

The state of Kentucky has legalized the use of medical marijuana. The bill received final passage on Thursday. Democratic Gov. Andy Beshear signed it into law Friday morning after a decade of failed attempts in the state legislature.

The news makes Kentucky at least the 38th state in the U.S. to legalize medical marijuana.

Now Indiana is surrounded by weed states. The encirclement is complete 😂

2. The Maryland House of Delegates voted Saturday to approve the Trans Health Equity Act

The Maryland House of Delegates voted Saturday to approve the Trans Health Equity Act — a bill that just a year ago disappeared from the chamber’s agenda ahead of a floor vote.

The bill would require Maryland Medicaid, beginning on Jan. 1, 2024, to provide coverage for additional gender-affirming treatments, which are currently disallowed in the state’s plan but commonly covered by private insurance. The expanded treatments include hormone therapy, hair alteration, voice therapy, physical alterations to the body, and fertility preservation.

3. FDA approves over-the-counter Narcan. Here's what it means

The approved nasal spray is the best-known form of naloxone. It can reverse overdoses of opioids, including street drugs such as heroin and fentanyl and prescription versions including oxycodone.

Making naloxone available more widely is seen as a key strategy to control the nationwide overdose crisis. Effects begin within two minutes when given intravenously, and within five minutes when injected into a muscle. The medicine can also be administered by spraying it into a person's nose.

4. Boston expands tuition-free community college program to all residents

Boston has expanded its tuition-free community college program to include all city residents regardless of age, income or immigration status.

Starting this fall, any city resident will be eligible to pursue an associate’s degree or certificate at one of six partnering local institutions without paying to attend. The program also includes a $250 stipend for incidental expenses each semester for up to three years, and up to $2,500 of debt relief for students whose account balances are keeping them from re-enrolling.

5. First cheetah cubs born in India since extinction 70 years ago

India has welcomed the birth of four cheetah cubs - more than 70 years after the animals were declared officially extinct there.India's environment minister announced the good news, calling it a "momentous event".

The country has been trying to reintroduce the big cats for decades, and last year brought eight cheetahs over from Namibia as part of the plan. Another 12 cheetahs were brought to India from South Africa last month.

6. BBC education show in Afghanistan helps children banned from school

The BBC has launched a new education programme for children in Afghanistan who are banned from school.It is aimed at children aged 11 to 16, including girls whose secondary education has been stopped by the ruling Taliban.

The weekly programme is called Dars, which means lesson in Dari and Pashto, Afghanistan's official languages. It is hosted by BBC Afghan female journalists who were evacuated from Kabul during the 2021 Taliban takeover.

Each new weekly half-hour episode of Dars will air four times a day, Saturday to Friday, on the newly launched BBC News Afghanistan channel.

7. A Trans Creator Has Raised Over 1.5 Million for Trans Healthcare on TikTok Live

Transgender TikTokers are celebrating Trans Day of Visibility by raising over $1.5 million for gender-affirming care around the world.

Mercury Stardust — a DIY TikToker and trans advocate who calls herself the “Trans Handy Ma’am” — raised $120,000 last year in a livestream for the mutual aid nonprofit Point of Pride, which maintains funds for surgeries, hormone therapy, and free binders and gaffs. This year, Stardust and cohost Jory, a.k.a. AlluringSkull, set themselves a goal of raising $1 million in a planned 30-hour live stream…and then smashed that milestone less than six hours after starting the stream Thursday evening.

----

I have started a Youtube channel with wholesome videos I can find on the internet. Check it out :)

That's it for this week :)

This newsletter will always be free. If you liked this post you can support me with a small kofi donation:

Buy me a coffee ❤️

Also don’t forget to reblog

[widefuturesss]

hello, your work in Nigeria is beautiful and I love to see Igbo being centered for the youth! Can I ask what you do for work/what enables you to do this? 🤎

Hiii, Daalu oo!!! I spent 6 months back home in Abuja. I worked at the African University of Science and Technology as a Manager of the Center for African Design Advancement. It was a newly opened center made in collaboration with CPDI Africa (a firm for teaching and developing afrocentric architecture). I met the founder of CPDI two years before and was able to reach out to her when I was home. We were a very small team and largely self-funded, but as intense as it was, it was truly a great and very eye-opening experience. I got to learn a lot about negotiating with Nigerian universities for space that actually centers 'decolonial' taught and knowledge practices... I saw the depravities of the school system, but also got to understand the possibilities within our impossibilities, there were many backdoors ur girl got to shapeshift thru!!! Through my position I hosted lectures, exhibitions, moderated conversations and hosted a pan-african film club <3333. I also got to generate mutual aid funds that helped a lot of women laboring on the campus (i miss them and pray to do more to uplift them). I got to speak at a primary school because I met the founder of the school somewhere and he was interested in my work :)

There was a whole lotta space tbh, so I jus had to spread the consciousness wiideee, like a mango tree (dis particular tree shaded me when it would be too hot inside my office). I can proudly say the impact was felt. I give thanks, truly.

[funemployed-fangirl]

Modern Bridgerton AU

Daphne & Simon

Daphne is a typical upper class NYC society girl whose goal is to marry money and spend her life as a stay-at-home mom who brunches and plans fundraisers. She goes to a small, but well-respected liberal arts college (like Swarthmore) and gets a degree in an unemployable but respectable subject (like English Literature or French). 

Simon has recently inherited his father’s venture capital firm, only to discover the company is facing a PR crisis after his father’s not entirely ethical investment practices have come to light. And his personal reputation isn’t helping. Simon wants to sell the company so he can move onto other pursuits (probably spending his trust fund on drunken antics anywhere other than New York), but he can’t with all the current negative media attention.  

Daphne hears about the situation from her brother, and when she runs into Simon at the next social function, she proposes a deal: They pretend to date. He gets a PR boost from being connected to the Bridgerton family and looking more stable in his personal life, and she gets to piss off her older brother (Anthony) by dating his best friend.

Not long into their arrangement, Daphne organizes a charity tennis tournament. Anthony is pissed that his best friend is dating his sister, who is 8 years younger than them, and challenges Simon to a doubles match. Simon asks their mutual friend Will Mondrich to be his partner - Simon is actually a pretty terrible tennis player, but Will played in college. Anthony drags Benedict in to be his partner - Benedict also isn’t thrilled about Daphne dating a guy 8 years older than her, but knows better than to do anything about it (“Dude, you’re actually gonna do this? You know how hard she hits.”), so he’s only half in it. Colin and Daphne are watching from the slide. Colin can’t stop laughing, and Daphne is about to murder someone. 

The boys get it out of their system and come to a tenuous peace, with Simon promising Anthony he has dropped his playboy ways. But Simon doesn't actually have any intentions to get married, even after he’s maybe (but like probably not?) starting to fall in love with Daphne. She finds out about his plans to sell the company and leave New York and is PISSED. She might be willing to never actually get married (look, she really likes him), but she doesn't want to leave her family, and FOR SURE doesn't want to do long distance. Simon doesn't understand what the big deal with long distance is. 

Everyone in New York thinks they have some picture perfect relationship, but Daphne is starting to see cracks and feel the pressure. It leads her to pick a fight with Simon, who goes on a business trip to Dallas (Chicago? Denver? Look, he’s not in New York, does it matter where he goes?) to look at this other company he's thinking about buying, and he hates everything about the 2 weeks he's gone because Daphne’s not there. He gets back and they make up. They’re engaged 6 months later. 

Once they get married, there’s some disagreement on where they’ll live - Daphne wants to stay close, but Simon wants some distance from the Upper East Side and wouldn’t mind getting out of the city. They compromise and move to Park Slope. After a couple of years, they have a couple of kids, and once their children are school aged, Daphne decides she needs something to do that gets her out of the house. Anthony offers to have her come work with him at the family company, making her a VP of some such that she can do part-time.

more (x)

[emroarillustration]

Hey folks! Continuing the prideful flock series where I am exploring the colors of the pride flags found in nature. Our latest friend flying in is the Monk Parrot representing the colors of the aromantic flag.

Interested in some pride merch? I’m running a giveaway all of June-

Pride 2024 Giveaway: Donate $15 or more to a 🍉🇵🇸 mutual aid this month to be entered to win a Pride bird tshirt or hat from my shop. 1 USA based winner will be randomly chosen on 6/30/24. DM photo of proof of donation to enter from now til 6/29. Not sure where to donate? Check out operation olive branch (link in bio) they have links to funds that are updated all the time.

[c-u-c-koo-4-40k]

Hello Everyone.

I want to clarify now, Posts like these will be rare on this blog.

This blog is primarily a place to discuss, headcanon, and do general fandom shenanigans.

As Billy Joel might say, It's a place to forget about life for a while.

But given the current goings on in the world, I Will be changing my pinned post to this link.

If you're like me, you may not have much disposable income. So it's hard to donate when causes you care about pop up.

This website uses advertisers and literal button clicks to generate donations.

My platform here is small, and primarily for fandom fun times, and it will remain as such. As previously stated, This will be a rare post of this kind on this blog.

But I wanted to give others the opportunity to help in this small way. And use my platform to spread this resource.

This website has buttons to click to help with issues like poverty, women's rights, the refugees in palestine, refugees in general and the environment.

Thank you for your time and consideration. And I hope you continue to enjoy my mad 40k ramblings.

Edit: Slight modification, I've changed Only Post of this kind to Rare as I have reblogged some other things not related to fandom and yes they were related to modern or otherwise issues.

I still want to keep this place 90% dumb fun, but even dumb fun has to be sober some times.

Edit 2: I've decided I Will be reblogging the occasional help or aid or donation post. Probably one or two every few days. If you want to Only see the fandom stuff on my blog avoid/block the posts with the tags #not warhammer #not fandom and #not 40k

Thank you for love and support. And big hugs to my mutuals. They deserve all of it.

Edit 3: Navigation

To Find all my writings use/search with the #c u ckoo anon tag.

To find my art pieces use/search #c u c koo art tag

To find the Severe Miscalculation Storyline search the #oc: khopesh tag

If something is a reblog or answer it will be under #c u ckoo response

Edit 4: Donation Posts will now be tagged with #c u c koo donation posting

All these tags can be found on this post at the very end of all the others.

Edit 5: Featured campaign! I've decided that every week I will post a link to a different campaign below.

I will also try to link the reblogs of the campaign that include the verification if any exist.

Current Campaign.

€2,595 / €35,000

7% Funded Currently

Edit 5! Also! Here's a link to a website that is filled with vetted fundraisers!

Edit 6! Ask box is Super full so it may take a while for me to reblog your campaign. I work from the oldest up.

I'm also trying to give the campaigns in my Dms attention every other day so please be aware.

Edit 7: I'm still reblogging campaigns, but now I'm going to work on them in smaller groups.

I'm going to reblog a Handful of DM campaigns, and a Handful of asks each day. Exact numbers might change day to day, but I'll try to keep them to the same amount.

I've got over 50 campaigns in my dms and over 500 asks to work through.

I want to do proper posts and updates when I boost them.

Thank you for understanding.

Edit 8: In regards to Donation Matching.

I Can Only Donate to a Few Campaigns every Month. And I Only donate at the End of months.

I have to make sure All my monthly expenses are taken care of.

The campaigns chosen are mostly random.

[businessskibat]

Mutual Funds SIP 2024 : करोड़पति बनने का आसान रास्ता, शुरू करें ₹1500 की SIP और पाए 10 सालो के बाद कुल इतने रूपये…?

Mutual Funds SIP 2024 : सिस्टेमैटिक इन्वेस्टमेंट प्लान (SIP) की लोकप्रियता बढ़ती जा रही है, और इसे अधिक लोग चाहते हैं। यदि आप इसमें ₹1500 प्रति महीने बचत करके पैसे जमा करते हैं, तो आपको मैच्योरिटी पर शानदार रिटर्न मिलता है। SIPP में आप 100 रुपये या 500 रुपये से शुरू कर सकते हैं, और आप एक बार में मासिक, तिमाही, छमाही या सालाना भुगतान कर सकते हैं। ध्यान रहें कि SIP में निवेश करने पर आपको 12 प्रतिशत…

[fereldanwench]

I know folks are super jaded when it comes to hearing all the "Site ABC is dying! Join site XYZ instead!" suggestions, but I am gonna give Pillowfort a little love under the circumstances. If it's not for you, it's not for you, but I've been enjoying it since I started using it more over the past several months.

A few relevant highlights:

No AI bullshit! Not only are they not partnering with any goddamn AI companies to scrap our work, but they even have a policy prohibiting images created with generative AI! (You can read more on their staff blog.)

No inconsistently enforced and often arbitrary rules about NSFW content! It's all allowed, baby! (Again, I recommend reading this staff post for the deets.)

Has a lot of the actually good features Tumblr has... You can save drafts! You can queue posts! You can schedule posts! You can filter content!

... And good features Tumblr lacks! A robust commenting system! An improved reblogging system that prevents outdated versions of a post from circulating! Communities!

It also has an Xkit-esque extension to improve native features! I highly recommend checking out Tassel!

So what's the catch, right? It's definitely not perfect, and some things might be a deal-breaker for some folks:

It does not (currently) support audio or video posts. You can embed YouTube videos and the like, but you can't upload them directly to Pillowfort.

For free users, the image size limit is 2 MB, which might be a deterrent to GIF makers. (For $2.49/month, you can upgrade that to 6 MB.)

The design is pretty bare-bones and can be a little clunky in some areas. There's also no app, although my understanding is the website is pretty responsive on mobile devices. (Can't personally confirm or deny this as I don't use it on my phone.)

It does have more maintenance and downtime than Tumblr, although I haven't found it too disruptive.

It's also generally a slower experience, so if you're looking for a super fast-paced dash you can never reach the end of, you might find it lacking.

And I don't consider this a deal breaker, but it is worth mentioning that because there are no advertisers on Pillowfort, that means it's user-funded. It will likely never have the flashier features of Tumblr because of this, but if you chip in a few bucks a month, you can get some fun perks, like the increased image size and extra avatars (which I personally love.)

My fort is very NSFW (porn gifs my beloved) but is otherwise very similar to what I post here. I also have a whopping FIFTY (50) registration invites I can send out, if anyone is interested in getting on there ASAP.

And lastly, for my CP77 mutuals, especially my Goro babies, I did set up a little Goro community to share any and all Goro fanworks, ships, brainrot, etc. Most of the posts there right now are from me, and I'd love to see some more variety. :3 (Intro post with rules is here!)

[igottatho]

I’m posting this silly little tiktok for the algorithm (also bc I think it’s extremely funny).

You can find it here .

I hope you’ll please consider looking at the donation/mutual aid/go-fund-me I am sponsoring, which would help my friend Mohammad and his three children (ages 3, twins 6 months). You can find more of his story here , with examples how he has been using funds, and lots of pictures. I have seen the Alwan families identification papers and enough long term context from their lives before October. I believe that they are a normal family just looking to stay safe during the worst humanitarian crises of our lifetimes. Please help us, we’re hardly raising any money and I’m running out of options 🙏🏼😭😓

[so-i-did-this-thing]

Moving update

I'm grateful to the folks checking in on me and @crowtoed and thought I'd drop a quick update.

We're almost done putting all non-essentials in storage. The many bins are an investment in case we have to do this again. (I have already started researching shipping containers for an overseas move.) I'm going to buy storage unit insurance this week because I have more valuables stowed away than standard homeowners will cover.

My storage unit is almost the same size as the moving truck, which makes it easy to guage if I have to purge/store anything that won't fit. I'm going to hire the biggest trailer from upack.com when it's time to leave. The prices are amazing - less than $4k to move to Connecticut.

The Florida realtor (a condo expert) is viewing my place tomorrow, and with her advice, we'll start on final repairs/refreshes (this place is 23 years old, about when things like windows and tile get rather iffy). My mother graciously gifted me money to cover the majority of the fixes. This move would be a lot harder without her help.

Mom is also letting us stay short-term in her MiL suite a few towns over, so we can sell my condo asap. That means we don't have to worry about timing the purchase of the new house with closing on the old. Plus, I should have a few paychecks rent-free I can sock away / apply towards mutual aid.

We're hoping the condo sells by June or so. Once that happens, I'll use some of the funds towards old debt to nudge my credit rating ever closer to 800 (it's 778 rn, a multi-year project as I used to be in the 400s). Most of the rest of the money will be earmarked for a generous down payment on the new home.

We're still looking in Connecticut and have a realtor there as well. If it's possible, we can afford to fly up a few times to check out houses. The realtor told us our budget for what we want (1500sq ft or larger) is totally doable. The housing market there is weirdly reasonable.

Work is incredibly kind and has said if I need more than 2 weeks to move, I can take whatever time I need. I am fully remote now and blessed to be part of such a progressive company.

We still have some household and personal things to sell, but it's more out of "I no longer like/need this" than an urgent need for money. But thank you to everyone who has offered cash. It means so much to us to have such a strong safety net. If this happened even 5 years ago, we'd have been up shit creek.

Once we close on the new house, we'll drive up asap to move in. This is when we'll know our route and we'll connect with folks along it who have offered to be pitstops for us and the cats. The moving truck will meet us there in 5-7 business days after we leave Orlando.

My HRT Rx also got renewed for 6 months, and with my current stash + a little rationing, I shouldn't have any interruption with my shots, even if pharmacies start refusing me come July.

We're hoping to be all settled in the new home come October, but are dependant on the housing market. But we're stacking as many chips in our favor as we can.

Again, thank you, thank you to everyone who has reached out. I'll update again when something major changes.

[cazort]

I see a disturbing number of people, mostly millennials, these days, who have significant incomes and are starting to amass significant savings, who have terrible financial management skills. People who live at home with parents and get a full time job can accumulate money really fast. A lot of people are letting huge amounts of money, like sometimes as much as $20,000 or more, accumulate in checking accounts where it is earning either no interest or negligible interest.

Because inflation is high (over 3% these days), you are effectively losing money when it sits there. Also you're allowing the bank to profit off it; it's lending your money out to other people, often at interest rates as high as 6-7% or more, and it's not paying you for it.

If you have more than maybe around $3000 dollars in an account, you want that money earning interest. Here are things you can do to earn more from your money:

Open a savings account at a higher yield. Go to a different bank if necessary. CIT Bank has rates around 5% these days.

Pay off high interest rate debt but not low-interest rate debt. If the interest rate is above about 7-8% definitely make it a priority to pay it off ASAP. If it is above 5% it is still better to pay it off than to sit on your money. If it is much below 5%, pay it off as slowly as possible (minimum payment only) because there are risk-free ways to earn more interest on your money.

If you don't need the money in the short-term, consider a CD (Certificate of Deposit) which offers a fixed interest rate over a certain time. Often you can get a slightly higher rate by tying your money up for 3 months or 6 months or sometimes even longer. These are good options if you have a specific expenditure in your future, like perhaps moving or buying a home, but you know it won't happen until after a certain date.

Open a brokerage account. Brokerage accounts allow you to buy and sell investments such as stocks, mutual funds, or bonds, which include CD's from banks as well as treasury and municipal bonds and corporate bonds. You get more options for buying CD's (i.e. you can compare many different banks side-by-side, buy CD with the best rate, and manage multiple CD's within a single interface.) Most brokerage accounts have no fees and typically no or very low minimum investments. There is no reason not to have one if you have a few thousand dollars.

In a brokerage account, buy a money market mutual fund. Look for one with no load and no transaction fee, a high yield, and a low expense ratio, and a fixed share price of $1 per share. My two favorite are SWVXX and SNSXX. SWVXX has a higher yield (about 5.19%) whereas SNSXX has a lower yield (just over 5%) but is non-taxable on state income taxes, so SNSXX is a better choice if you have a high state tax rate, otherwise SWVXX is better.

Consider opening a Roth IRA if you haven't, and then, if able, contribute the maximum amount each year. You are allowed to make a contribution that counts towards the previous year, up until the tax filing deadline of the current year. So for example today it is Mar. 14th, 2024, so you can open a Roth IRA today and contribute the max ($6,500) for the 2023 year and also the max ($7,000) for 2024, for a total of $13,500. The main advantage of a Roth IRA is that the money in them can grow tax-free. Roth IRA's benefit anyone able to have one (the richest people are not allowed to contribute to them) and are especially important for people who are self-employed, change jobs a lot, or never work full-time, so they don't have a consistent employee-provided retirement plan.

Consider investing in stocks. Stocks are riskier (in that their price changes, and you can lose money when investing in them), but tend to have a higher yield than savings and money market accounts and funds. The simplest way to buy stocks is to buy an ETF (exchange-traded-fund). I recommend buying one that follows the S&P 500 and has a low expense ratio like SPY or VOO. Whatever you buy, reinvest the dividends and let it grow, contribute a little money every year so are putting in money even in years the market is down. On average you get about a 10% return in the market but it is unpredictable and you will lose in some years, but that's okay, you're not retiring for many decades and the money will have grown a lot by then.

There are options regardless of your risk profile. It is throwing your money away to let a lot of money sit in a checking account. At a bare minimum, go for a high-yield savings account, CD, or better yet get a brokerage account, put it in high-yield money market funds like SWVXX, shop around for CD's or other bonds with the highest rates, and if you are able to tolerate some risk and want a higher return, consider putting some money in more aggressive investments like stocks.

I am 100% for tax reform and other reform to curb the extreme concentration of wealth in the hands of a few, but it's also important to take your financial situation into your own hands. Get financially comfortable. Get a stake in the US economy. Empower yourself so you can live better and help your family, friends, and the causes you care about.