#Beginner-friendly investments

[kc22invesmentsblog]

Demystifying Brokerage Accounts: A Comprehensive Guide for Beginners

Written by Delvin Have you ever found yourself intrigued by the world of investing but unsure of where to start? Look no further! In this comprehensive guide, we will demystify brokerage accounts and provide beginner-friendly insights to help you embark on your investment journey with confidence. Whether you’re a complete novice or have dabbled in investing before, let’s dive into the…

[thyandrawrites]

I finally worked out a way to make smooth color transitions that work with half color changes without that annoying "step" that always bothered me. It's a fairly annoying thing to do every time tho so I think I'll only use it for this shouto amigurumi here and dabi's

[cryptoquantumleap]

Get rich with bitcoin (beginners course)

Your last chance. Take action, this is your last opportunity to learn about crypto. Think about your future and escape being an employee all your life. Click the link and start your journey!

[finance-planner]

Ever wanted a pro to manage your investments? Mutual funds offer just that! Imagine a basket filled with stocks, bonds, or a mix of both. Investors like you contribute money to this basket, and a professional manager invests it for you. This diversification helps spread risk and potentially boost returns.

Mutual funds come in various flavors. Equity funds focus on stocks, offering higher potential gains (and losses) compared to debt funds which invest in bonds for steadier returns. Need something in between? Hybrid funds combine both.

There's more! Funds can target specific goals like growth (increasing share value) or income (regular payouts). Plus, some focus on specific sectors like technology or healthcare.

The best part? You don't need to be a stock market whiz. Mutual funds offer a convenient and professionally managed way to invest, making them a great option for beginners and seasoned investors alike.

[britannicaes]

The Ultimate Beginner's Guide to Simple and Effective Investments

The Ultimate Beginner's Guide to Simple and Effective Investments

Discover the best investments for beginners with our comprehensive guide. Learn essential beginner investment tips, explore simple investment strategies, and find out how to kick-start your investment journey today. Whether you're new to investing or looking for beginner-friendly options, this guide has you covered. Start building your financial future with confidence.

Read more >>

[kumar-pradeep]

𝐓𝐡𝐞 𝐁𝐞𝐬𝐭 𝐏𝐨𝐝𝐜𝐚𝐬𝐭 𝐟𝐨𝐫 𝐁𝐞𝐠𝐢𝐧𝐧𝐞𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬

Are you a beginner investor looking to dive into the world of cryptocurrencies? Look no further than "The Best Podcast for Beginner Investors." This podcast is your go-to resource for valuable insights, expert advice, and educational content tailored specifically for newcomers to the crypto space. Explore the fundamentals of cryptocurrencies, learn about blockchain technology, and discover investment strategies to kickstart your journey. Hosted by industry experts, each episode delves into essential topics in an engaging and accessible manner. From explaining key concepts to discussing market trends, this podcast provides the knowledge and confidence you need to navigate the exciting world of digital assets. Stay informed about the latest developments, receive tips to manage risks, and gain a solid understanding of crypto investment fundamentals. Tune in, level up your investment skills, and embark on your path to financial growth with "The Best Podcast for Beginner Investors."

[gadgets-ark]

High-paying affiliate programs for beginners 2023

About Affiliate programsAmazon AssociatesClickBankCJ Affiliate (formerly Commission Junction)ShareASaleShopify Affiliate ProgramBluehost Affiliate ProgramUdemy Affiliate Program About Affiliate programs Affiliate programs are marketing arrangements where individuals or businesses, known as affiliates, promote products or services on behalf of another company, known as the merchant or…

[csuitebitches]

On Being Well Spoken

I recently received a request about posting something regarding being well spoken.

Something you need to realise is that you’re not going to become well-spoken overnight. You need to practice on people. You need to SPEAK.

I used to stutter so badly that I could barely speak a whole sentence.

Flash forward a few years. I pitched my start up in front of a crowd, I joined Model United Nations in high school and college, I’ve been invited to speak on my entrepreneurial experience by some top universities in my country. It’s taken a lot to get here. And I’m still not where I want to be.

1. Apps to track progress and help you get better at public speaking

An app that you can use: “Speeko.”

I used to use this, it is beginner friendly and you can improve your public speaking skills as well.

2. Use topic generators

Go online and look up a topic generator. Generate a random topic, video yourself speaking on that topic. Don’t give yourself time to prepare anything - read the topic and start speaking. Set a time limit - you’ll realise that speaking for even 2 minutes can be quite difficult at times.

Not only does this make you realise that you may have limited language skills, but it will also make you realise exactly where you’re falling behind. Note down things in a journal.

- is grammar the issue?

- Lack of vocabulary?

- Too many filler sounds?

- Knowledge gap?

This is also a great idea if you’re at an intermediate level of learning a language/ polishing a language. Do this everyday and maintain a diary on your improvement.

3. Reading out loud

Select a news article or any article. Read out loud, slowly and steadily. Pronounce every syllable calmly.

A two minute read should take 5 minutes to read out loud. That’s how slow you should go. Not more than 4-5 words per breath.

Your tongue needs to get used to different syllables and sounds. Practice will help.

4. Talk in real life

Talk to anyone and everyone whenever you can.

Ask your barista how their day is going.

Ask your work or university security if they’ve had a good day and if they ate today.

Chat with your taxi driver about their life. I always start with asking them if they are from the city we’re travelling in. Even if you’re from that city, act like a tourist. Where are the best eateries? The conversation eventually goes to personal questions. How many children do they have, and what do they do? What do they like about the city?

You’ll learn the art of small talk only through practice. No book or guide can actually prepare you. You have to practice, practice and practice.

5. Diaphragm breathing

Diaphragm breathing is very important. Look up some YouTube videos for reference. You essentially breathe from your tummy (stomach goes in and out; not chest going up and down). This is a great calming exercise too.

6. Stuttering tongue/ jaw exercise videos

These are great because they really do prep your jaw and tongue well. The videos could include tongue stretches, placing your tongue on your palette correctly, etc. Search on YouTube.

7. Body posture

You really need to work on your posture too. Sit up straight. Back, STRAIGHT. Chin up, shoulders relaxed. Something as simple as posture can change your level of confidence.

8. Pranayama

A yoga exercise for breathing. You can find a guided video on YouTube for sure.

9. Vocabulary

Invest your time in expanding your vocabulary. There’s enough apps and games that can help you with that, if you aren’t fond of reading. A sign of being well spoken is having great vocabulary.

Start by looking up the synonyms of everyday words.

“I’m upset”

- how many different words can you find for upset?

“I had a crazy day today”

- one can easily use “hectic”, “chaotic” “lively” instead

10. Idioms

Idioms, phrases, sayings - look up common idioms in your language of choice. Aim to use at least 3 new idioms on 3 separate occasions in a week while you speak. You need to understand when and where you can use the idioms in your vocabulary.

11. Knowing when to switch

You can’t talk like a 50 year old heiress to a 10 year old child; you need to get down to their level.

If someone is clearly not a native speaker and is struggling to put words together, don’t use difficult words around them.

If you’re meeting with someone high profile, refrain from using slang.

The best speakers know when to switch their level of language.

You can’t use one singular type of speaking with everyone. You need to understand that there is a time and place for everything - and you’ll be able to switch like a pro only when you actually speak and start gaining experience.

[deerspherestudios]

Hiya! I know you get this a lot, but I wanted to start off by saying how much I ADORE your work and that I genuinely cannot WAIT for day 3 of Mushroom Oasis. Your artstyle is so pleasing on the eyes! ٩(^‿^)۶ You might have been asked this before, but I was just wondering what programs you used when programming/making your visual novels ^^’

I love writing stories/drawing and I had loads of ideas bustling about making visual novels but have no idea where to actually start…

MUCH LOVE 💗💗💗💗

I use Ren'Py! It's incredibly beginner friendly and truth be told, coding is not my forte. I mostly looked at how my friend did it for Lift Your Spirits and kinda just worked with what I understood at the time!

Most of the time this is me working in Ren'Py:

Dev ramble under cut:

I know the question didn't explicitly ask but just a teensy bit of unsolicited advice, I recommend starting with a script!

You can't make a visual novel without the novel part done first, and it helps to see if you really have something good enough for a finished game before investing the time and energy into artwork, coding, et cetera. You can even start writing before you figure out how to use Ren'Py, as the script can help motivate you to finish what you started! At least that's how it worked for me!

[mookymilksims]

ULTIMATE Realistic Money overhaul | Roleplay Guide | The sims 3

TYSM for 600+ subscribers on Youtube!

Introduction:

Hello everyone and welcome back to my channel! In today's video I'm going to show you how to overhaul the sims 3 economy, how to have complete control over your billing system, and how to have a more realistic money exchange mechanic! We will also be exploring how to go about a much more realistic renting/mortgage system. This guide has been a long time coming, it's very simple and beginner friendly, but to find all the mods it would take to set this up would be a pain for anyone trying to revamp their sims economy. I've playtested this mod setup for a couple of years, and I can never go back to the original EA economy and billing system. All of these mods work with each other in a synergy circle, they compliment, play off of, and enhance one another. All links will be included in my tumblr guide, and the comment leading to my tumblr guide will be pinned in the comments below. I recommend following alongside the guide and the video, especially if you do not speak english, so you can translate the guide to your native language, while still being able to follow along the video! If I am talking too slowly for you I highly recommend everyone to increase the video speed to x2, and slow it down at certain parts you need extra focus on. Don't worry, I won't be offended at all by this, I do it myself for tutorial videos.

First - Overhaul the sims economy.

No bills

First we need to get rid of the EA billing system. This is because we are going to add new mods that introduce much more realistic billing and rental mechanics. This also eliminates some core issues with the EA billing system. Such as having a large piece of land, but a tiny house, and your bills being upwards of 40k every couple of days. Utilities not being calculated properly. And being billed more because of your more expensive items on your lot. Since we are also overhauling the sims economy, the original EA calculations wouldn't make any sense anymore.

EVM Career Wages

This mod adds a much more realistic financial wage system. Since we have now removed EA bills, our sims wages need to be able to reflect the more realistic economy we are going for. Gone are the days of every Sim earning a fortune with a mere $45 per hour entry-level job. This mod adjusts the wages across all career levels to align with real-world standards, creating a more immersive gameplay experience.

With EVM Career Wages, climbing the career ladder feels genuinely rewarding as higher pay accompanies each promotion. This encourages players to strive for advancement and invest in their Sims' professional growth. Additionally, when paired with the UC mod, promotions become more challenging to attain, placing greater emphasis on the player's decisions and strategic gameplay.

Camo fairer priced groceries and books

Camo tweaked goods

Revamped Economy Essentials:

With Camo's Fairer Priced Groceries and Books alongside Camo's Tweaked Goods, the Sims 3 economy undergoes a significant transformation. These combined mods slash the prices of commonly purchased items, bringing a newfound sense of realism to the game. No longer will a single egg set you back $11; now, it's a mere $2, making grocery shopping a more authentic experience. The same principle applies to book prices, ensuring that essential items are now more affordable for Sims across the board.

This overhaul becomes even more impactful when paired with the Savvier Seller mod, which ensures that prices are not only reasonable for your household but also for the entire neighborhood. This adds a more balanced and lifelike economy, where every Sim can afford the necessities without breaking the bank.

taxi charge

simsmathew subway charger

Realistic Transportation Fees:

Combining the Taxi Charge and Simsmathew Subway Charger mods introduces a new level of realism to transportation in The Sims 3. Each time your Sims opt for a taxi ride or subway journey, they'll incur a small fee. This adds a layer of financial consideration, prompting players to rethink their Sims' commuting habits.

Immersive roleplaying opportunities emerge as players strategize the best way to navigate their Sims from point A to point B. Whether it's opting for eco-friendly methods like walking or biking, or planning a journey that involves a mix of walking and subway rides, every choice impacts your Sims' budget and experience.

This deeper level of engagement allows players to connect with their Sims on a more personal level, experiencing the journey alongside them and enjoying the rich scenery and interactions along the way. Now you'll be pushed to experience y

Ani tax collector

New Billing System:

The tax collector mod essentially allows you to create your own billing and taxing system. This mod introduces a scripted computer interface with customizable settings, allowing players to seamlessly implement various taxes and fees. From water and electricity bills to health insurance premiums and car payments, Sims will autonomously be directed to settle these financial obligations once the tax settings are activated.

For an added layer of realism and roleplay, consider situating these computers at opened rabbithole like the city hall. This not only streamlines your Sim's outing tasks but also enriches the gameplay experience, allowing players to engage in more dynamic and immersive storytelling.

I'm going to go in game and show you how I achieve this effect for a very quick and easy tutorial.

So because we turned off the EA billing system, we need to create our own bills, to still simulate having to lose money through our gameplay. You can place these new tax computers on an opened city hall rh lot (if you don't care for aesthetic then I recommend placing these in the basement), or another community lot altogether. Please note that if you place these computers on a cityhall RH lot, and you enable UC mod on that lot, you should lock the doors leading to the tax computers. This is because with SonyaJu's UC version, the sims working on the lot will be pushed to use the computers which will result in all of your sims being sent to pay their taxes throughout the day. You can lock community doors using Nraas Go Here, or nona lock community doors mod as an alternative.

Now that we have set up our computers, you click the settings and rename the computer. Rename this to any bill you want to pay. Here I am setting up a, Water, Electric, Phone bill, Car note, and Car insurance computer. Now I can click on tax collector > settings > edit multiplier.

Water = 0.8

Electric = 0.4

Phone - 0.2

Car note = 0.5

Car insurance = 0.6

these multipliers automatically calculate what you currently have available in your sims household funds, and deducts the "tax" based off of the multiplier. This adds a more logical calculations to what each individual household could actually afford, without being too overbearing on your funds loss. This make a much more realistic and immersive billing system actually possible in the game, that fixes a lot of the issues with EA billing system, and matches the new sims economy we have created with this combination of mods.

Which leads me to my next part. I pay all of these bills monthly in my game. This adds a much more immersive and realistic experience, and I even have to keep an eye on my sims budget throughout the month, like in real life. Sometimes, I may have to sell things or find any way to make extra money to pay my new bills, or pick which bill I have to pay if I can't afford them all. I give myself consequences if I can't afford certain things. When I show you how to use the new renting system, I'll even roleplay getting evicted as a consequence if I can't afford my rent.

Enhancement Miscellaneous Mods:

The collection of these next mods serve to either rectify the Sims economy hiccups or introduce a fresh layer of roleplay, prompting players to reassess their spending habits and EP career choices.

Some of these mods make purchasing certain items actually reusable like bubble bath products and painting supplies. While others make certain careers have higher payouts which makes the wages for that career make more sense and become more satisfying so you'd actually want to work at it. This also enhances rags-to-riches playthroughs, rendering them more intricate and gratifying.

For instance, with these mods combined, the necessity for pets to rely on manually refilled food bowls instead of random props elevates pet care to a level akin to caring for a toddler. This makes having a pet a lot more impactful in your household, as well as financially.

In general, all of these mods balance back out certain EA default settings, which slowly begins to push together a more and more realistic economy.

I will place the mods you want to add on the screen, and all the links will be provided in the tumblr guide.

speedo higher concert payouts

picnicbasketpricechange

bubble bath runs out

pet bowl needs food

Nona always more gigs 3 times money

wildflowernerf per value

Double money highchancs faster mooch skill

painting needs supplies

painting costs money

government benefits and service

This mod is tailored to amplify the immersive experience of playing as lower-income households in The Sims 3. This mod introduces a plethora of meticulously scripted game mechanics designed to add depth and realism to the struggles and triumphs of impoverished Sims.

One standout feature is the ability to establish child support payments, calculated with precision based on the target parent's income. This introduces a compelling dynamic for players who wish to roleplay scenarios involving relationships with wealthier partners, where child support checks become a lifeline for sustaining the family's livelihood, as an example.

Furthermore, Sims can now apply for various forms of assistance such as health insurance and Electronic Benefit Transfer (EBT), opening up new avenues for navigating the challenges of financial hardship within the game. These additions inject a newfound sense of complexity and realism into rags-to-riches playthroughs, providing players with additional gameplay mechanics to consider and explore. You'll find yourself embarking on a journey of resilience and resourcefulness as you guide your Sims through the highs and lows of economic adversity in the game.

If you are following my guide step by step consider applying these tweaks to the xml's.

As an added note, I no longer add a health insurance tax collector computer, as with MonocoDoll's new GA mod poorer sims can get affordable health care, and sims who do not qualify for this have a good job where I imagine the job offers it's own health insurance instead. So because of this new mod addition, this eliminates the need to set up health insurance payments for my households.

Second - Career's addon's

Gamefreak's check for work

job overhaul

lemonaise 50 jobs offer

These mods revolutionizes the Sims' job acquisition process, enhancing realism and depth. This also enhances the effectiveness of attending university. Without a degree, Sims may struggle to secure certain jobs and will always start at entry level.

The mod introduces a comprehensive interview and application process, typically lasting about an hour in-game, during which Sims disappear into the rabbit hole. Sims can attend resume building and interview classes to improve their chances of employment, mimicking real-life strategies. Uploading a resume, particularly a University Life degree, significantly boosts job prospects.

Maintaining cleanliness, hunger, and a positive mood is crucial as neglecting these factors decreases the likelihood of job offers. The "check for work" option allows Sims to scout for job openings beyond the replaced job hunting UI.

Lemonaise's 50 Jobs Offer expands job opportunities, reflecting the realistic scenario where obtaining desired employment may require starting elsewhere. Just as in real life, a degree does not guarantee the desired job immediately, necessitating patience and flexibility in career pursuits.

This mod combination adds layers of realism and challenges, making Sims' lives more expansive and rewarding. Achieving dream jobs becomes a testament to perseverance and hard work, enhancing the sense of accomplishment for players.

Ani's job board

Ani's Job Board introduces a WA-inspired board object that fills the gap left by missing opportunities in UC mod. With UC's scripted behaviors for work, some autonomous opportunities were removed. However, this mod remedies the situation by providing Sims with a platform to browse and undertake additional work and school opportunities. Now, players have the autonomy to choose whether to pursue these extra projects, adding depth and flexibility to their Sims' lives.

Nraas Careers

Nraas Careers is a mod that expands the possibilities for Sims by enabling custom careers and establishing a homeworld university. While the details of setting up a homeworld university can be explored in another video, this guide focuses on how this mod integrates custom career opportunities with UC. With Nraas Careers, players can seamlessly bind custom careers to EA careers, unlocking a wealth of new professional paths for their Sims within the game. What this means in basic terms, is that UC works by adding a number of objects sims use on a lot, to increase their work/school performance. If you are playing as a custom career, UC won't know which objects can increase that careers performance if the career hasn't been bonded to an EA career.

Sonja's UC

Sonja's UC is an enhanced iteration of Zerbu's UC mod, designed to optimize the original mod's scripting for improved performance and stability. While still a work in progress and subject to occasional issues, this update enhances the main features of the mod, resulting in faster and smoother gameplay. Sims now spend less time deliberating their actions, experience reduced lag before heading to work, and are not as rigidly constrained to complete tasks. Instead, they are encouraged to take breaks and socialize, mirroring real workplace dynamics.

Although ongoing testing is underway, I recommend trying out this version as it also introduces additional modded script objects to careers. Setting up the mod in-game is straightforward and can be easily demonstrated.

zoeoe flower arranging

knitting

pheobejaysims take sims to court

pheobejaysims betting

On the Screen, will be a selection of miscellaneous mods that enrich your gameplay experience by introducing custom playable careers and intricately scripted mechanics.

With these mods, you can immerse yourself in diverse professions such as modeling, flower arranging, or managing a home-based Etsy-style knitting business. Additionally, you have the opportunity to delve into the legal world as an attorney or explore the unique avenue of earning money through litigation against other Sims and establishments.

For those inclined towards risk and excitement, Phoebejaysims' Betting mod allows for a full-time gambling lifestyle, leveraging specific store objects to enhance the thrill of the game.

These mods significantly expand the scope of gameplay possibilities, offering players a plethora of new career paths and immersive money mechanics to explore and enjoy.

Third - Biggest gameplay changes and fixes

Bank mod

Otherwise known as the non-core global banking mod, this mod is a game-changer in how you manage money in The Sims. This mod allows you to establish a bank account for your Sims, complete with essential banking functionalities like deposits, withdrawals, and money transfers.

I'll guide you through setting up a new renting and mortgage system in-game, offering alternative perspectives on cash handling, including household funds versus bank account funds. Additionally, I'll show you how to separate all Sims' incomes and present an edited version where the bank account resembles a debit card in your Sims' inventory.

Let's dive into these transformative features that will revolutionize your Sims' financial management experience.

How to make a bank account.

Simply click on a computer, whether on your home lot or community lot. Navigate to online banking interaction > Open Account. $25 will be deducated automatically, and you will have a new bank account in your sims inventory.

How to create a landlord.

Simply select any sim you would like to be your new landlord. Using Nraas MC > Make Active, you can then open a bank account for the selected sim you've chosen to be your landlord.

How to pay rent.

Once the bank account has been sucessfully opened you can go back to your original active household. Then select the bank account in your sims inventory > Transfers, if you are friends with the landlord then select "Sims you know", if you are not friends with them then select "in your neighborhood". Navigate the list to find your new landlord, then send them your rent or mortgage for the month.

How to separate income.

Using this banking system I separate my sims money by having their bank account as their debit card and their household funds as their cash on hand. I typically, split up the funds reasonably between everyone's bank account in the household. This leaves $0 in the household funds. Once a sim is done with their work day, the exact amount of money they made for the day will go straight into your household funds. From there, I deposit that money into their bank account. It only takes a couple of seconds and is very simple.

As an added note, when sending the sims out and about in the world, I'll need the money from their account in the household funds so that they are able to spend money. So I quickly withdraw a random amount of money I think they will need for the outing, allowing them to actually buy what they want from the community lots. For extra immersion, consider adding a deco ATM machine, to simulate where your sims would be withdrawing their money from.

Just as promised, I told you how I would roleplay an eviction process, using this new renting system. If my sims cannot pay the rent, and they ask their landlord to an outing, if the landlord does not have a good time then I only get 1 sim month to leave the home or pay rent for both months. If the landlord does have a good time, then I imagine they allowed me to skip my rent payment for that month. If I still don't have rent money by the end of the month, I move my sim to a 10x10 empty lot somewhere in the world, and have my sim live out of a tent, or shady motel (set as a base camp), until I can afford to move into another home. If I choose to live in a motel, while the base camps are free to stay in, I create a custom role titled "Motel front desk", open that sim a bank account, and then pay them $100 weekly, while this is still a payment it is much cheaper than my sims rent that we couldn't afford, and still allows me to roleplay money being lost. If I don't have to be completely homeless then I won't, if I have $0, then I will.

nraas consigner

nraas register

Nraas Consigner and Nraas Register are essential mods that address the shortcomings of the register systems in the base game. Consigner enhances gameplay by introducing the option to make all items consignable, simulating a realistic thrift store or pawn shop experience. Meanwhile, Register adds extra checks to ensure Sims are correctly assigned, along with providing additional population controls beyond the capabilities of Story Progression. Whether or not you utilize other mods, these fixes are indispensable for enhancing your gameplay experience.

Exciting Update Alert!

@olomaya on Tumblr is currently developing an innovative new renting system for the game, which promises to offer Simmers a wide array of options for money roleplaying. This upcoming system represents a significant evolution in gameplay mechanics, potentially replacing older systems and providing fresh opportunities for immersive financial management.

Stay tuned for a comprehensive guide on this mod, which will delve into its functionalities, compatibility considerations, and potential replacements for older mechanics. Until this mod is developed, playtested, and released, I'll be using this system that I have set up and just showed you guys in this video!

So this concludes everything that I wanted to show you guys! You now know how to set up a more realistic billing system. Renting/mortgage system. You've learned how to add and roleplay more complex money gaming mechanics. You've overhauled your wage system, as well as your cost of living economy in the world. And none of these are too overbearing, with just a little bit of set up, you'll have an ultimate realistic economy and money system in your sims 3 from now on! Thank you all for joining me, thank you for 600 subscribers, and thank you for your love and support! I'll see you all in the next video!

[theambitiouswoman]

How To Get Started Investing In The Stock Market

Educate yourself: Before investing in the stock market, it's important to educate yourself about the basics of investing, including the different types of investments, the risks involved, and how to build a diversified portfolio. There are many resources available, including books, online courses, and investment blogs.

Determine your investment goals: It's important to have clear investment goals before investing in the stock market. Are you investing for retirement, a down payment on a house, or to generate passive income? Your investment goals will help determine the types of investments that are appropriate for you.

Open a brokerage account: To invest in the stock market, you'll need to open a brokerage account with a reputable brokerage firm. Some popular options include Fidelity, TD Ameritrade, and Charles Schwab. When choosing a brokerage firm, consider factors such as fees, investment options, and customer service.

Build a diversified portfolio: Diversification is key to successful investing. By investing in a mix of stocks, bonds, and other assets, you can reduce your risk and increase your chances of long-term success. Consider investing in a mix of large-cap and small-cap stocks, domestic and international investments, and bonds with varying maturities.

Start investing: Once you have a brokerage account and have determined your investment strategy, it's time to start investing. Consider starting with a small amount of money and gradually increasing your investments over time.

WAYS TO INVEST

There are several ways to invest in the stock market, including:

Individual Stocks: This involves buying shares of individual companies on the stock market. You can buy shares through a broker or an online trading platform.

Mutual Funds: Mutual funds pool money from multiple investors and invest in a diversified portfolio of stocks. This allows you to invest in a variety of companies with a single investment.

Exchange-Traded Funds (ETFs): ETFs are similar to mutual funds, but they trade like individual stocks on an exchange. This allows you to buy and sell ETFs throughout the trading day.

Index Funds: Index funds track the performance of a specific index, such as the S&P 500. This provides exposure to a broad range of companies and can be a good option for long-term investors.

TOOLS TO START INVESTING

Online Trading Platforms: Many brokers offer online trading platforms that allow you to buy and sell stocks and funds. These platforms typically provide research tools and stock charts to help you make informed investment decisions.

Robo-Advisors: Robo-advisors are digital platforms that use algorithms to create and manage investment portfolios for you. They can be a good option for beginner investors who want a hands-off approach.

Investment Apps: There are several investment apps available that allow you to buy and sell stocks and funds from your mobile device. These apps are often designed for beginner investors and offer low fees and user-friendly interfaces.

PLATFORMS

A few popular options:

Robinhood: Robinhood is a commission-free trading app that offers stocks, ETFs, and cryptocurrency trading. It’s designed for beginner investors and offers a user-friendly interface.

Acorns: Acorns is an investment app that automatically invests your spare change. It rounds up your purchases to the nearest dollar and invests the difference in a diversified portfolio of ETFs.

TD Ameritrade: TD Ameritrade is a popular trading platform that offers stocks, ETFs, mutual funds, options, futures, and forex trading. It offers a variety of trading tools and research resources.

ETRADE: ETRADE is a popular online broker that offers stocks, ETFs, mutual funds, options, and futures trading. It offers a variety of trading tools and resources, including a mobile app.

Fidelity: Fidelity is a full-service broker that offers stocks, ETFs, mutual funds, options, and futures trading. It offers a variety of investment tools and research resources, including a mobile app.

INVESTMENT STRATEGIES

Value Investing: Value investing involves buying stocks that are undervalued by the market and holding them for the long term. This approach requires patience and a thorough analysis of a company’s financial statements and growth potential.

Growth Investing: Growth investing involves buying stocks in companies that are expected to grow faster than the market average. This approach often involves investing in companies that are at the cutting edge of technology or have innovative business models.

Dividend Investing: Dividend investing involves buying stocks in companies that pay a dividend. This can provide a steady stream of income for investors and can be a good option for those looking for more conservative investments.

Passive Investing: Passive investing involves investing in a diversified portfolio of low-cost index funds or ETFs. This approach is designed to match the performance of the overall market and requires minimal effort on the part of the investor.

Real Estate Investing: Real estate investing involves buying and holding real estate assets for the purpose of generating income or appreciation. This can include investing in rental properties, real estate investment trusts (REITs), or crowdfunding platforms.

Options trading: is a type of trading strategy that involves buying and selling options contracts, which are financial instruments that give the holder the right, but not the obligation, to buy or sell an underlying asset, such as stocks, at a specific price within a certain time frame. Options trading can be used to generate income, hedge against risk, or speculate on market movements.

Swing trading is a type of trading strategy that aims to capture short- to medium-term gains in a financial asset, such as stocks, currencies, or commodities. Swing traders typically hold their positions for a few days to several weeks, taking advantage of price swings or "swings" in the market. Swing traders use technical analysis to identify trends and patterns in the market, and they often employ a combination of charting tools and indicators to help them make trading decisions. They look for stocks or other assets that have a clear trend, either up or down, and then try to enter and exit positions at opportune times to capture profits.

TECHNICAL ANALYSIS TOOLS

There are many technical analysis resources available for traders to use in their analysis of financial markets. Here are some popular options:

TradingView: TradingView is a web-based charting and technical analysis platform that provides users with real-time data, customizable charts, and a variety of technical indicators and drawing tools.

StockCharts: StockCharts is another web-based platform that provides a wide range of technical analysis tools, including charting capabilities, technical indicators, and scanning tools to help traders identify potential trading opportunities.

Thinkorswim: Thinkorswim is a trading platform provided by TD Ameritrade that offers advanced charting and technical analysis tools, as well as a wide range of other features for traders, including paper trading, news and research, and risk management tools.

MetaTrader 4/5: MetaTrader is a popular trading platform used by many traders around the world. It provides a range of technical analysis tools, including customizable charts, indicators, and automated trading strategies.

Investing.com: Investing.com is a website that provides real-time quotes, charts, news, and analysis for a wide range of financial markets, including stocks, currencies, commodities, and cryptocurrencies.

Yahoo Finance: Yahoo Finance is a website that provides real-time stock quotes, news, and analysis, as well as customizable charts and a variety of other tools for traders and investors.

Finviz: is a popular web-based platform for traders and investors that provides a wide range of tools and information to help them analyze financial markets. The platform offers real-time quotes, customizable charts, news and analysis, and a variety of other features.

[doctordeathawaits]

my ask got eated I finks...

tips for transidol, kpop idols specifically:D? thankuuuu~

- @transvirtualangel :p

TRANS K - POP IDOL . . .

For the basics , learning Korean is obviously a good start ! There are lots of online free courses for that !! :D

Familiarize with Korean beauty standards ( if you haven't already ! ) - by being in the kpop community you can already learn a lot , but following korean influencers can help too !

Learning dances - there are lots of tutorials on Youtube that gently teach you popular kpop dances - there is a range of difficulty , from beginner to advanced , and even disability friendly ones that we personally had lots of fun trying out ! :D

Taking up dance classes can help to cultivate your skills ! There are dance classes specifically based around kpop - whether irl meet ups or online courses !

Invest in vocal coaching / singing classes ! These can help so much to help you practice - there are many free personal courses , but also YouTube videos for at home / do-it-yourself coaching ! Tips ; learning how to rap gives you lots of point for when you may try auditioning ! So try learning in english and korean !

Invest in Korean skincare - it's defiantly god sent , but kpop idols value their skincare , so taking care of yourself is also very good !

Euphoria tips ! ↓

You can record yourself dancing and edit them on simple editing apps , like capcut or velocity , to appear like fancams !

Try doing korean makeup ! There are lots of tutorials on Youtube or you can follow korean influencers that do their makeup tutorials !

You can take pictures and print them out as photo cards ! If you have friends who are into kpop - you can propose the idea of all taking pictures and ' trading ' eachothers photos for fun ! ( whether or not you aren't out as transidol !! :D )

Write your own songs ! There are lyric websites that can help you get some inspiration + simple song makers like Soundtrap where you can create the music !

Join kpop dance groups ! There are online groups dedicated to meet up somewhere and to record group dances - which can make you feel like you have your own group !

Hope this helped - good luck transitioning and stay safe !

[arcanistsanctum]

may i ask about recommendations of the free character from the anniversary that's new f2p friendly? And their psycube if possible. Thanks in advance :3

Oh, shucks. I'm not exactly the go-to for Reverse guides, but I'll try my best to answer! And anyone who is more knowledgeable than me, you can suggest and advice in the comments too!

Semmelweis Potential Teammates

Semmelweis has great synergy with characters who lose HP during your turns (NOT during enemy turn). Tbh Semmelweis doesn't have many teammates she can synergize well besides Eternity (DPS) and Ezra (shield) for now. We may have to wait for more self-HP burn units to be released to slot her in different team comps. Eternity is her only DPS teammate right now. For a new F2P player, Eternity is viable as she is a standard character. That said, both Eternity and Semmelweis will lose HP fast. So you will need good teamwide shield or healing.

Balloon Party (standard character) is one option for teamwide heals, or you can pick up Kakania later for her shield and ATK buffs (her limited banner comes next). Kakania can transfer some of your team's DMG unto herself and she can self-heal. Ezra is a limited character who also loses HP whenever you use his buff and provides decent shielding, but he requires high investment afaik. If you started from last patch and you have Vila, I think she's fine as a healer too.

If you only started playing this patch, I don't recommend pulling on standard banner cause it costs the same pull tickets for limited banners. I say... if you want to get Kakania, wait for her banner and pull there. Or if you wanna pick up Lucy, you try your luck in Lucy banner right now. Lucy is a really great DPS even with Semmelweis as her support. Although Semmelweis is not in Lucy's best teams, Semmelweis can still buff Lucy's (or any DPS for that matter) overall DMG dealt. If you get her, it's gucci. If you lose 50/50, then hope it's Eternity, and maybe Balloon Party. Just keep in mind that your pity from the Lucy banner doesn't transfer/count in the regular limited banners like Kakania's. Their pities are separate. And Lucy is true limited character, so her banner will not come back again... ever.

Kakania's banner releases on October 10 Her banner will run alongside Lucy's until October 31

DO NOT PULL ON PROMISE OF THE WATER BANNER. JUST... DON'T.

And since you're new player and you may not have any of these standard characters yet... if you want to start playing the story already, maybe a Semmelweis, Sonetto/Leilani and any healer can be your starting team.

Summary of team comps in no particular order you can make if you have the characters:

BEST SYERGY: Semmelweis, Kakania/Ezra/Balloon Party, Eternity

LUCY TEAM: Semmelweis, Vila (any other healer/shielder except Necrologist works but Vila can provide crit buffs), Lucy

F2P BEGINNER: Semmelweis, any healer/shielder except Necrologist, Sonetto/Leilani/Bkornblume

Characters she can't work well with:

Charlie, Getian, Pavia, Pickles, An-An Lee, Necrologist

Psychube Recommendations:

I use the Long Night Talks psychube from the Fragments shop for Semmelweis. I'm not sure if that can be picked up by new players. If not, then I think Blasphemer of the Night can be her other psychube general option. To make use of Blasphemer's passive effects, your team has to have debuffing skills.

During 2.0, her best psychube is From the Depths, which you can only get as a reward from A Series of Dusks next patch.

These are my thoughts for Semmelweis team synergies and psychubes with f2p starter options. Here's the Prydwen Semmelweis guide to help you further in your Semmelweis journey. ^ - ^ Sorry for the long reply, anonnie! Hahahaha.

Others can leave suggestions and tips in the comments! Because once again, I'm not a Reverse guide maker. I'm too casual in this game. ROFL XD

[mellosdrawings]

You mentioned once you use an Ipad Pro... 11? To draw

Would you say that's beginner friendly? Not beginner in terms of art, but in terms of Ipad. Or both. Mainly I've never used an Ipad for art before. Tryna upgrade from using my thumb and phone for cheap

IPad Pro 11' 3rd generation

It's my first IPad and I got the hang of it pretty fast, so yeah I'd say it's fine even for someone who's never touched anything from Apple in their life.

I got to try it from a friend who let me draw on his own IPad for a couple days while he was busy and it immediately clicked for me.

App store and settings are mostly the same as for android tablets (or sometimes even easier to access), there are frequent updates that keep the system working just peachy, and other than that it's just like having a big phone.

I'd say the one mildly annoying thing is that downloading stuff that isn't from the app store is a nightmare and a half. I got Twst and other games on my phone that I never managed to get on the IPad because it's just a hassle to get unofficial stuff on there.

The other problem might be the price. It's an expensive investment, I had to save for almost a year to get it and the pen, but once it's bought it's durable and high quality. I'd say I've more than made it worth it with my 80Go worth of art on there.

Other than that though, it's pretty easy to get used to, and there are a big quantity of tutos online to help if you ever get stuck on something.

As for art, there are a few free apps you can try before deciding. For me it was a revelation, never had done digital art so easily before and I loved it (I used to fight with my tablet, my computer, and that godsdamned Phot*shop).

I got to try Procreate immediately thanks to my friend and bought it as soon as I got the tablet because it was simple to use and there were enough stuff on there to have fun. It's not as complete as Phot*shop but it never bothered me. Plus it's just a dozen euros once and then you have it, not a subscription that will bleed you dry (yes I hate Phot*shop, thank you for asking). And it saves on its own so no need to worry about losing hours of progress because it crashed :D

And once more, a lot of tutos online to learn to use Procreate. I'm still learning to use it to this day because I've never needed to use its full potential.

(Also there are a few 3D conception programs and other room planners that are soooooo good and practical for artists who can't be bothered with backgrounds or accessories. I do 3D models and then take screenshot to retrace in Procreate, which saves time when those are backgrounds and accessories that come up very regularly. And they haven't yet crashed on me even though I used to fight with my computer and Blender 3D to make chairs before. The full version can be pricy (or subscription based, yuk) but the free/trial versions tend to be enough for me)

TLDR: I personally got used to it very fast, and I never got much to complain about. It's an excellent tool for creating that is very stable.

[intolaurel]

2024.10.20 - Making off the greek summer dress

I've recently finished the greek-inspired whimsygoth maxi dress. It's so comfortable and feels so luxurious, I've decided that I want to make some more before next summer. Below is how I've done it (this is as much a tutorial for future me as it is for anyone else interested).

The greatest thing about this dress? It is super beginner friendly to make (just sewing a bunch of long, straight, lines). Could easily be done with a “standard” sewing machine, serger, hand-held machine or even completely by hand.

The basics: two rectangles sown together. the back-panel has triangles taken out of the top sides to make sure that the front panel gets a nice waterfall-neckline. The sides of the sleeves are folded-in to give it a nice cape-like effect.

Some notes:

I would suggest investing in a nice-feeling & drapy fabric, as that is what makes or breaks this dress since the rest is so simple.

Since the dress is basically two larger rectangles, it should be relatively easy to repurpose the fabric into other garments later on if you end up not liking it.

The tutorial is for a floor-length dress, however it can of course be made shorter if that’s what is wanted / if there’s a limited quantity of fabric. Similarly, the dress can be made less voluminous by using smaller panels.

The below schematics should be taken as a rough Gide, not an exact pattern. The pink line indicates seams that need to be stitched.

The details: The height of the front & back panel should be as long as your measurement from your neck to your ankles + ~5cm. The width should be as wide as possible (preferably the whole width of the fabric. I removed the selvedge but this isn’t necessary for all fabrics). I would suggest, at this point, to zigzag / overlock all fraying edges.

Using a dress form, or your own body, measure out how wide you want the back neckline to be. Put (safety) pins in place to mark it. Next, measure out how much drape you want at the front. Put pins. Adjust the back and/or front until satisfied. The diagram gives some idea, but should be taken as a guide not as strict instructions.

Sew the front panel to the back. Start at one side of the neckline and sew towards the armhole. Likely, the front-panel will have a “shorter” side-with than the back. Repeat on the other side.

Measure, on your body, how big you want the armholes to be (I went for ~60cm in the round). On either side of the back-panel, take out a triangle that measures 1/2 the armhole width on the side, and extends to where the front-panel ends. Remove this triangle of fabric (or fold it over and stitch into place) Finish raw edges.

Sew the side-seams together (I recommend from bottom to the top). Stop where the “armhole triangle” begins.

Lastly, fold the sleeve inwards to create the cape-like effect (light-pink arrow previous diagram). Put the dress on (or on a dress form) to determine how far you want the sleeves to be folded inwards (mine went almost all the way). Secure it with a few (hand) stitches at the point where the sleeve reaches furthest inwards (stitch in the stitch-line where the front is connected to the back panel in the same colour thread to ensure an almost invisible stitch).

That’s it! We’re finished.

The dress can be worn loose and flower, or with a belt / corset for a gathered look. The corset in the picture I also made.

[kumar-pradeep]

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