#High Yield CD

[quaranmine]

Happy 1 year of having credit to me! Now I need to go research getting a new credit card this week.

[roseband]

i mean this in all seriousness.....

every bonus and raise i get at work is cuz i taught myself adobe automation tools and javascript for adobe (even though i took cs in hs like, i could not find a class in what i wanted so i just had to self teach it)

but the only reason i self taught that was cuz i was overly obsessed with kpop

so as long as all my savings accounts are where they should be (percentage of income-wise)... so like 401k, emergency fund, down-payment fund.......(which.....are all invested and/or in high yield 4.5% monthly compounding interest accts and are making their own money)

i can just dump all my disposable income into kpop because if i wasn't unhinged about kpop, i would not have this much disposable income lol

i feel like this is 100% an original meaning of girlmath moment tbh

[kc22invesmentsblog]

Unlocking Passive Income: High-Yield Savings Accounts and CDs

Written By Delvin In today’s fast-paced world, financial independence is a dream for many. The idea of generating passive income and achieving financial freedom is a beacon of hope for those looking to escape the rat race and live life on their terms. Generating passive income can be achieved through conventional methods such as investing in stocks or real estate, but there are also often…

[drdemonprince]

Generally speaking, here are the order of financial priorities:

Build an emergency savings of at least 3 months worth of living expenses

Pay down all high-interest debts, such as credit card debts

Build an emergency savings of 6 months - year worth of expenses.

Place some of your savings in a high-yield savings account (or money market fund) that you can still access easily without penalty if you need that money.

Start considering investing in something that yields a higher rate of return, but requires that you let money just *sit* in that investment for months or years at a time (CDs/bonds/index funds/a 401k [which is really just a type of index fund usually]).

Learn how to let your investments just sit without constantly looking at them or worrying about them! This is a skill that requires time, practice, and sometimes research to develop.

As your circumstances change and your familiarity and comfort with investing grows, tweak your exact investment strategy as needed. (For example, shift some money from index funds to bonds as you get older, or move CD investments to stocks as interest rates go down).

[femmefatalevibe]

Any tips on saving money?

Track your income/expenses. Knowing your monthly cash flow + essential and discretionary spending is the only sound starting point toward setting your financial goals.

Evaluate your non-essential spending habits. Consider where this money is going, and whether these expenses add value/are necessary to your life (pleasure or peace of mind is an acceptable "necessity" if you're living within your means to be clear!).

Determine the money you have left over after you cover your essential expenses and most fulfill discretionary expenses. This amount is your "saving/investment" money.

Divide your leftover amount into 3 categories: Emergency fund, goal-oriented savings (like buying a desired luxury item/furniture, a down payment on a house, a vacation, etc.), and investments.

Put your savings in a high-yield savings account. If possible, have different accounts for each purpose, especially your emergency fund and savings for future purposes. You can also get a CD for a long-term savings goal.

Put your investments (in the USA at least) in the following buckets: Roth IRA (max it out), ALWAYS take your employer's full 401k match, HSA (if you have a high-deductible health insurance plan), and S&P 500 index funds/other evergreen mutual funds + blue-chip stocks.

Purchase fewer, higher-quality items. Know the sales seasons for each product category and shop around this calendar (down to the produce items in season). If possible, rent items when it makes sense.

Only say "yes" to plans/financial obligations that add value/pleasure to your life. Don't let yourself feel shortchanged financially or emotionally. It's never worth it, honestly.

Invest in your physical, mental, and financial health first. This can mean something different for everyone but it's important!

**I'm not a professional, just another young woman on the internet, so please take this advice accordingly. Please meet with a financial advisor/CPA for formal advice and personal financial planning.

Hope this helps xx

[spider-stark]

THE B-SIDE

pairing: andrew detmer x reader

summary: the boys stop by the record store you work at

word count: 1.9k

// masterlist // send me your thoughts // comments & reblogs appreciated! //

Matt Garetty was a repeat customer at The B-side, a record store only a few miles down the road from your shared high school 

It was also your weekend job. 

And Matt Garetty was also a pain in your ass. 

Every time you heard his shitty Corolla trundling into the lot, you’d consider how fast you could race across the store and flip the faded Open sign to Closed. 

On this particular day, misty and boring, you heard the engine’s familiar hack and decided to try your luck. 

The store wasn't too big, but then again, distance wasn't the challenge. It was clutter—the endless rows of low shelves, boxes stuffed with vinyl and cassettes. You cried halfway to the door, your elbow ramming into a CD display. Another few steps, a glance out the window, and your Converse stuttered against the 90's carpet. 

For once, Matt Garetty hadn’t come alone. 

Steve Montgomery slid from the passenger seat, stretching arms-over-head. His puffer coat rode up, revealing the polo beneath—and a sliver of smooth, lean-muscled skin. 

Despite what the saliva pooling in your mouth might suggest, you did not have a thing for Steve. He was Samantha’s boyfriend, which stuffed him in a box labeled: Strictly Off Limits. But, even if that weren’t the case, you’d never actually go for him. 

You’ve never been into jocks. Even the ones as pretty as Steve. 

Of course, that didn't stop your neck from craning for a better view of the G-rated peep show. You didn’t have to want Steve to admire him, to recognize he was the effortless embodiment of cool. 

Unlike Garetty, who was currently fighting a losing battle with the backdoor handle. 

Frustration urged the idiot to prop a sneakered foot against the slick car. He managed one, two, three earnest tugs before losing grip, his foot sliding so that he almost fell right on his ass. Amusement sputtered past your lips. 

Loser. 

Before Garetty could give it another go, Steve kindly nudged him aside. 

The door yielded to his magic, star quarterback touch. Garetty’s Oh, what the fuck! seeped straight through the layer of wall and glass dividing you. Steve’s answering grin was cocky, leading to an open palm swinging at his head. He ducked, and in a blink, both boys were chasing each other around the car, shouting jeers over laughter. 

Correction, you thought, half-smiling. Losers. 

Having abandoned your goal of locking Garetty out, you were about to head back to the counter. As you turned, a bit of motion held you back. 

Andrew Detmer stumbled from the backseat, tugging his zip-up sleeves over his hands. He frowned at the sky, the rain—but not at the two boys goofing off around him. He looked nervous. But, then again, he might always look like that. 

You wouldn’t know. 

It was rare that anyone saw him without a camcorder where his face should be, a glass lens to separate boy from world. 

Beyond the basics, you knew nothing about him. 

But you wanted to. 

Really wanted to. 

With a few mumbled words, the other boys ceased their chase. Steve slung an arm around Andrew's shoulders, shaking him as he spoke. Nervousness turned to nauseousness. As Garetty stomped across the lot, Steve dragged Andrew along, forcing him to keep pace. 

Whirling back to the display you'd messed up, you scrambled to restore the CDs to some semblance of order. By the time the door chimed, you'd already rushed back to the counter, leaning against its surface. 

“Honey,” Garetty sang, striding inside. “I’m home!” 

“Well look who it is,” you cooed. “I was starting to worry I’d make it a whole shift without seeing your ugly face.” 

Glaring, he did a piss-poor imitation of your voice—Lewk hew it eez!—before sticking his tongue out like a brat. Your nose wrinkled at the sight. It was a sickly shade of neon green. 

“Jesus, Garetty. Do you not brush that thing?” 

There was a faint redness to his cheeks. “We got slurpees,” he defended. 

“Looks like you got a disease.” 

A scoff. “It doesn’t—y’know what? Fuck you, actually. It’s green apple.” 

“Sure it is.” 

“It is!” Garetty argued. As if struck by some magnificent idea, his lips curled into a milk curdling smirk. “Wanna taste?” 

Your face dropped. 

No— 

         no  no  nono

absolutely NOT! 

But it was too late. 

Garetty moved fast. A blink and he'd cleared the space between you, thrusting halfway over the counter. His tongue was out, waggling at you through a chorus of gross, exaggerated sounds. A squeal tore from your throat as you scrambled back, pressing flat against the wall. 

“Garetty, I swear–” 

“Come on!” With his tongue out, it sounded more like Tum awhn! “You don’t wanna try?” 

“In your drea–eugh! Stop moving it like that!” 

Eyes rolling, he gave in and tucked the green monster back in its cave. You didn’t move from the wall, not with him so close, still leaning over the counter. 

“Fun sucker,” he declared. 

You flipped him off and, in return, he flashed a crooked grin. 

Jackass. 

“Remind me,” Steve mused, lingering near the entrance. A short step behind him, Andrew was still fumbling with his sleeves. “How old are you two?” 

You pressed a hand to your chest. “Don’t put this on me! It’s not my fault Garetty’s got the mental age of a twelve year old.” 

“Oh, that is so not true!” 

“Says the boy who almost assaulted me with his disease ridden tongue.” You leveled a stare at him. “Do you know any adults who would do that?” 

“Okay, first of all?” He lifted a finger, his expression dead-serious. “It’s 2012. You can’t just throw the word ‘assault’ anymore! And you would know that if you were as emotionally mature as I. Second,” another finger, the corners of his mouth twitching, “we both know you would’ve liked it.” 

You should’ve let it go. That was the smart thing—the mature thing to do. 

Instead, you kicked back to good ole’ middle-school petulance. 

You looked past him, brows drawn as you asked Steve, “Do you hear something?” 

Garetty’s expression went flat. “Seriously?” 

“Oh, definitely,” Steve nodded at you, playing along. “Ya know, now that I’m thinking about it, I was hearing the same thing the whole ride here. Just like this constant buzz?” 

“Yes! Exactly!” 

“Okay,” Garetty huffed. “But somehow I’m the twelve year old, right?” 

Steve hypothesized, “Maybe we have that thing!” He pointed to his ear, glancing at Andrew who clearly didn’t want to be involved. “What’s it called again? Tetanus?” 

You laughed. 

The joke was obvious. Steve was gunning for valedictorian. He definitely knew the difference between tetanus and tinnitus. But, before Andrew could mutter just that, Garetty had already thrown his hands up. 

“You know what?” He gave each of you a look. Yours seemed especially sulky. “Fuck you guys. All of you suck.” 

Steve’s voice was warm, placating, “It was just a joke, Matt. Lighten up, yeah?” 

But Matt didn’t lighten up. In fact, he was already stomping toward the back of the store to mope over a box of records until time to leave. 

You cupped a hand around your mouth. “The philosophical douchebag section’s the other way, Gandhi!” 

With his back still turned, Garetty gave you the finger and kept walking. It was the closest you’d ever get to a victory trophy in this little on again, off again fight of yours. 

You treasured it deeply. 

“So,” you relaxed against the counter. “What brings you to B-sides, Steven? And please, don’t tell me you’re panic-shopping for Samantha’s birthday.” 

It was tomorrow, and the sanctity of girl code meant you'd have no choice but tell her if he'd put off getting a gift. 

Steve clicked his tongue. “Do you really think so little of me?” He joked, ambling closer. Andrew shuffled right behind him, his head low—a dim star caught in the sun’s orbit. “No,” Steve continued, “I know better than that. I got my shopping done months ago—straight from the list, just how Sammy likes it.” 

Impressive. 

“Sounds like you’re a shoo-in for Boyfriend of the Year award, then.” 

“Ah, I don’t know. The year’s still young.” He gave you a wink that made your brow furrow. “Maybe by the end of it you’ll find me some competition.” 

You made a point not to look at Andrew. 

“Doubtful,” you told Steve, as un-morose as you could make it. 

You didn’t need a boyfriend—

Watery eyes flicked up in a half-glance. Nervous. Easy to miss. 

—but needing wasn’t the same as wanting. 

Before you could dwell, Steve changed the subject. 

“Hey, you like all that grungy alternative shit, don’t you?” 

You stared down at your shirt, the wash-faded image of the Around the Fur album cover. “Obviously not.”  

“Great!” 

Steve reached behind himself, guiding the flickering star into the spotlight. A pink flush dusted Andrew’s cheeks. He’d almost tripped over his own feet. 

“So does he,” Steve said as if it meant something grand. You flinched when he smacked the counter, exclaiming, “There! Now you two have something to talk about.”

Before you could speak—think—Steve had already slipped toward the back. He settled next to Garetty, who was scowling over a box of second-hand cassettes, pretending not to eavesdrop. 

Your mind raced, pulse quickening. Did Samantha…?

You didn’t realize your mouth was open, your jaw a broken hinge, until Andrew dared a glance up. Your eyes met, and—

Blue. 

Like crystalline lakes and rushing streams, cool water crashing over warm skin. 

You had to force your mouth shut, ignoring the dry stick of your tongue. 

“I—uh—Sorry—” His attention darted, nervous fingers fiddling with his sleeve. “Matt was right, and this—this was stupid.” 

A question bloomed up your throat, but the answer had already taken root in your mind. The dots connected. Why Garetty hadn't come alone, why Steve was so insistent, why, for once, Andrew wasn't hiding behind a lens. In the end, they all spelled one name: 

Samantha. Your best friend. The only one who knew about your crush on Garetty’s cousin. Samantha, who, apparently, had pissed all over girlhood-sanctity by blabbing to her boyfriend. 

That little– 

“Lhabia.” 

You blinked. “Sorry?” 

Andrew froze. He looked every bit like he’d swallowed a mouthful of pins, debating whether you’d notice if he threw up on the floor. 

“Samantha’s party,” he blustered. “Her birthday, tomorrow, it’s… Tomorrow.” The words hung between you; more question than statement. 

Confused, you told him, “I think we need to backtrack.” 

“Your shirt, it’s… Deftones, that album—Lhabia’s my favorite song off it.” His head shook, lips curving into something faint, a smile tinged with self-deprecation. “I realize now that I probably should’ve just… said that to begin with, maybe.” 

You laughed, because yeah—he definitely should’ve said that. 

“And Samantha’s birthday?” you asked. 

“Steve said you don’t usually go to her parties,” Andrew explained. "Not the big ones, at least, and they're all kinda big, but—I don't usually go either, cause I'm not so... party. But Steve's making me and," he drew an overdue breath. Admitted, "He won't let me walk away without asking you to come with us. 

Behind him, several CD’s up and flung from their display, jostled by some invisible force. You jumped—but Andrew didn’t even flinch. 

“Come with me,” he mumbled, correcting himself. 

Your attention split. Across the store, far from the display, Steve squealed as Garetty smacked him on the back of head with an old record. In that moment, long enough only to think: You break it, you buy it, Andrew took your distraction as something else. 

“You can say no if–” 

“No,” you spoke too quick, saved it with, “I meant yes! I’d love to.” 

Shock, disbelief, joy, more disbelief—they registered on his face all at once. 

“Okay,” he said airily. “Cool. Then I’ll, uh, I’ll see tomorrow?” 

A nod, the best you could manage, before Andrew hurried back to his friends and left your head spinning. 

You were going to kill Samantha. 

After you thanked her.

a/n - wrote this for myself, but i figured you guys could read it too (if anyone is still active in the chronicle fandom, that is). i put the pairing as andrew x reader, but I can't deny that there was weird chemistry between the reader and matt

anyways, thanks for reading and happy thirteenth birthday to chronicle!

[bitchesgetriches]

Hi bitches! I’ve just got a quick one for ya; any advice for saving while you’re unemployed? I’ve got a large buffer in a savings account, but I’m leery of investing it when I’m in such a vulnerable place. Would love your input!

Yes! First, make sure your savings are in a HYSA (high yield savings account) instead of at a brick-and-mortar bank. That way it'll earn a little interest without being invested in the stock market. It's a much, much safer way to grow your savings without the risk of investing.

Next, you need to honestly evaluate your expenses and eliminate as much as possible. Here's some advice on how to do that:

{ MASTERPOST } Everything You Need to Know about Saving Money and Being Frugal

From HYSAs to CDs, Here's How to Level Up Your Financial Savings

Did we just help you out? Say thanks by joining our Patreon!

[wolfofcelestia]

My ratings for Sylus's secret times 🪽

I'm basing my ratings off of Sylus's English dub and all the Secret Times up to Affinity 94

The main things I got from listening to all of these is that Sylus (both Onychinus Sylus and Dragon Sylus) is an extremely playful lover, but he is also really observant of MC's reactions, moods, and body. He is still very dom, but he is very conscientious about consent

Just like everything about him, his voice is very indulgent. He calls us kitten, but he's usually the one purring :3

These will all contain spoilers so they are all under the cut

[Zayne version here]

Bloodnight Blaze ★★★★★★★★★★

Some good sounds here. Some good sounds indeed. Dragon Sylus makes me fucking feral. How does this dragon know how to flirt though?? How does this dragon know how cherry wine tastes like??

I... OKAY I KNEW THIS WAS COMING BUT IT STILL MADE ME CHOKE JFC HELP jesus can't help me

His pained sounds sound more like he's cumming compared to Rei, who actually sounds like he's suffering. It helps that Sylus sounds like he's playful and enjoying his interaction with MC throughout the entire scene

Also I just noticed that in this line, he actually says "so greedy it'll burn for you", which makes more sense because he's describing how to win him over, just like in Approaching Dusk

I... god damn the sounds he makes asdfnasldfkj. I yield. Dragon Sylus can get it. Here, top spot. Absolutely perfect secret times audio. 5 out of 5 stars. No, you know what? 10 STARS. Fuck. Need more of his ass. Need him in me, on me, all around me

Approaching Dusk ★★★★★

Very affectionate, very cozy. The innuendos are fun and his VA works the dummyhead mic wonderfully here. It's very relaxing to just... listen to him breathe? And his kissing sounds are very good too. But this secret times really makes me think is that I really want a "sleeping/napping with him" feature

This is currently the closest secret times Sylus has to an actual drama cd. It's nice. It's cozy, relaxing... and there are wet sounds in the background lmaooo WHAT ARE THOSE SQUELCHING SOUNDS HUH??

I know I went absolutely feral over this like a few weeks back, but I guess this secret times is good for both relaxing and going feral lol. I'll bump it up to 5 stars then

Bloodnight Drift ★★★★★

A late night date with Dragon Sylus uwu. I'm giving it such a high rating mostly because it's unique. It's not just your average tap ass scenario. His VA does great portraying his strength and confidence, but also his playfulness. It's a dragon's way of flirting - falling together, whispering in your ear, and making your heart race. Even though he keeps calling himself a fiend, he still portrays a care and tenderness expected of Sylus

Midnight Warmth ★★★★☆

Even though this was a very early secret times and it sounds like his VA was still cementing Sylus's voice, he shows that he's skilled with the dummyhead mic. The writing has some questionable lines ("Your words are coated in honey" ????) but I feel like maybe this is also the writers feeling out his character. But both the writers and the VA really make up for any slight questionable moments in the end. It gives us a chance to have Sylus in close proximity, shows his playful side, and has a bit of suggestive lines. All around a fantastic first secret times

Exclusive Care ★★★★☆

Cute and sweet. It's only the second secret times we get but we get a cozy, domestic scene with him taking care of us. It also shows us that he's not perfect but he's open to criticism and accepts that he makes mistakes. It shows that he's someone you can be comfortable voicing your opinions to and shows his desire to care for and be of use to MC when she needs support. If his first impression of this big toxic mafia boss hasn't been dispelled at this point, this secret times should put it to bed completely

His playfulness and slightly suggestive lines are, of course, always welcome additions to secret times but the cherry on top is that he knows she's not feeling great so he doesn't push her to go any further. Sylus gives us care, empathy, and respect in this secret times, proving that he would be a top tier boyfriend

Intimacy Game ★★★★☆

Ok first I gotta ask what was the thinking behind "maybe mewl a little" asdfnasldfkasjd

This secret times is everything you want in a dummyhead mic audio: proximity, descriptions of actions, innuendo, and... wet sounds LMAOO. His VA does great in this and Sylus is incredibly playful here, it's good to see. It's really light on the plot though so it's still gets 4 stars from me because it was still fun and there are just so many good lines in this, but it's at the bottom of the 4 stars

He does sound more like Sylus here so I think his VA was more comfortable with his voice here than in the previous secret times

We love our consent dom king

Awaiting ★★★☆☆

Honestly love how done he is with MC here. Starts right off the bat with him just being like "sure ok 🙄🙄🙄🙄"

Most of this scene is character development so it's not that exciting, but his VA does work the dummyhead mic well, so his proximity makes things a little more interesting. His work with the mic is probably the highlight of this secret times tbh

This scenario also conveys more of Sylus's playfulness, like when he suggests MC bite down on a block of spam asasdfnalsdkj

It's a fun little scene, but not something I'd listen to very often

Into Your Ear ★★☆☆☆

I'm honestly not into the whole ear thing. I know it's a kink for some people and the dummyhead mic really lets people play into it, but it's a no for me lmao. Also my inner Zayne girlie is just screaming whenever I listen to this because you're not supposed to be sticking shit into your ear if you're not a professional!!

We have some innuendos here though so I'll give it 2 stars. His voice is still great here though, especially when he does that purring thing

[0xkugelblltz]

blast man yapfest

this is fun to do

this will be just as disorganized as the other one lol.. iuuuuuhhhh

Blast Man is a 5’7 Robot Master manufactured by B.B. Bomb Company for pyrotechnics and demolition. Movie studios, theme parks, and the like are usually in demand of this kind of expertise, especially of a robot purpose-built for it, so he lives a somewhat transient life, being leased out to different studios. He is currently at the Flower Land theme park, on lease, for design work and maybe a little demolition.

Blast Man absolutely LOVES movies. He loves TV shows, music, games, sculptures, literally any form of art or media you can think of. This perfectly lines up with getting to work at movie studios and theme parks, regardless of his gripes with it. He is entranced in the movie making process, every single part of it, to casting, storyboards, writing- everything. His favorite is of course the practical effects. He really favors movies from before CGI became more common. He has an insane collection of VHS tapes, DVDs, CDs, cartridges and records for all sorts of things, with the media players to go with them.

Blast Man is very rebellious in nature. He does not get along that well with his manufacturer and some theme park staff. BBBC treats him as a tool or equipment, and of course, he doesn’t like that. Blast has developed attention-seeking behavior and low self preservation because of this. He has gotten into so much trouble due to that, at times into physical altercations. He is slowly getting out of this phase in modern times, but he will forever be loud-mouthed and argumentative with other people, especially if you annoy him personally. He is a goddamn brat, he is petty, nosy, and childish.

Besides his behavioral issues, if you can sit him down with his favorite subjects, he will leave you alone. His knowledge with explosives is immense. He can very easily calculate what an explosive devices need in it, how much of this and that is needed for the actual explosive material itself, the best way to detonate it, and how to fine-tune the blast yield. He is very good at improvising it too. By extension he has a lot of chemistry and practical engineering knowledge. He does like to take things apart and put them back together again.

My favorite headcanon is that hes a transgender man. Just like me fr. It was probably a quick realization, a couple months to a year max after he was first brought online. Manufacturer was hesitant to do anything about it but eventually gave in, thankfully, and now he is very happy with himself and his body. I dont know how or why a robot would have top scars but he does just trust me okay. Ill add hes bisexual too

Blast Mans home is fun. The theme park he is leased to also doesn’t hold him in high regards, so he was regulated to a storage room in a warehouse in the back of the park. Its a small room, no air, water, and a couple outlets. In time he has made this room insanely homey. I see it with fairy lights, a big bed in the corner with tons of bedding and pillows, a kitchenette in the corner across, an old couch in the middle, and the opposite wall is nothing but shelves holding his media collection. An entertainment center is a must; big CRT with a half dozen game systems plugged into it and streaming services. It is messy in there but its nice. The limitations do have him having to use a few park facilities when he needs it however. Almost everything in there is secondhand and thrifted.

Elaborating on his work and a ‘transient’ life; BBBC leases Blast Man out to studios out of town, region, and country. He travels a lot, which he does really like, with the occasional homesickness. The studios are usually movie studios, for a few weeks at a time. On occasion he is leased out for over a month. The company does provide for him, for travel expenses and hotel rooms, but everything else is left to him. His biggest dream ever is to travel to Hollywood and get to help on set for a historical movie. Alternatively, his second biggest dream would be a year-long car trip across the country.

The recent release of Timelines #1 really reinforced some stuff I already thought of for Blast Man. Being reckless and uncontrollable, improvisational, literally (kind of) called childish, and the utter refusal of going down. The way he talks is literally perfect. He even slurs his words (i.e. “somethin’”) exactly like I thought he would. He is literally insane and he is so perfect and I love him so much.

Stuff that doesnt fit in:

Blast works REALLY well with kids. The loudest most obnoxious guy you know can easily calm down a crying kid.

With the practical effects stuff hes probably knowledgable on prosthetics and the like, he can do your makeup and it would be fucking amazing

He gets along really well with the other Elevenths, mostly. Tundra Man is his bestest friend ever and they have the dynamic of “”popular girls”” at school who are bitches and gossip about everybody. they are so funny to me, they bounce off eachother really well, all time bromance imo. Tundra also acted like a wingman for him when it came to Fuse

Blast is really heavy but only because he has very thick, dual-layered armor and extra support in his frame because.. explosions. Inevitably he will get in the middle of his own blasts.

Cannot cook. Robots dont really need to eat but he likes to and he like exclusively eats doordash and whatever he can cook in a microwave

His favorite animal is a cat. I think he has a very treasured cat plushie….

Purely projection but his favorite game series is Pokemon. He has Pokemon plushes in his bed and he loves them very much. His favorite is Blaziken or Blacephalon

ADHD and autistic.

He has, maybe, possibly, probably JUUUUST once, demolished a building for fun. Maybe a theme park ride too.

He really likes to impress people and perform for them. He is a dramatic showman at heart no matter what

I see a lot of people hc blast as like hispanic or generally latino which i gotta mention is fucking awesome. My interpretation hes just blasian lol

As homey as his ‘home’ is i think he likes spending time at Fuse Mans home more. A proper bathroom and kitchen and actually good furniture goes a long way. Sorry the blastfuse is inevitable

Speaking of, he absolutely decided to persue Fuse Man. Seeing some guy whos clearly in need of literally anybody in his life he just had to, cue developing a crush and eventually confessing offhandedly one day. YAY!!!!!!!

His ideal date is a movie night and probably nothing else. Just so he can tell someone about every single effect in the movie and how nd why they work

this isnt rlly a hc but i wanna add i project onto blast man sodoso much i love him so much he is so me

[brattylikestoeat]

You are in his WILL???

Yes. We’ve been together 8 years.

I was really struggling to finish college not because I was dumb but because I had a lot going on in my family at the time. My grandfather died and my family was literally crumbling before my eyes. All the lies, manipulation, gaslighting had finally caught up to my mom and grandma. Going to Ohio and coming back really broke me.

Donald pushed me to finish and I literally mean pushed. I called him one day after meeting with my advisor and told him I was done. I wasn’t doing college anymore.

He drove across town meet with my advisor with me, got that settled, paid my tuition on the spot. Education is very important to him which is why he pushing me to get my Masters.

Two weeks later we sat down and told me when I finished he could promise two things, he’ll pay my rent and money.

I’m always money motivated. So I finished. Took two more years but I did.

He always paid my rent. And he gave me 10k the week I graduated. He also put me in his will. If and when he pass I get a percentage of his liquid cash.

Has he kept his word? Idk I only saw the paperwork after it was done and his lawyer and a notary had signed it. It could have been changed for all I know. But for the most part I trust him and his word. He has never lied or try to play with me.

And I also think it’s important to know it’s liquid cash. That doesn’t count investments, home, cars, ect. Whatever money is currently sitting in accounts I get a part of that. If his kids choose to sell his houses I don’t get a part of that. I don’t get a part of his military pension either.

So me being the business minded woman I am, put the 10k up. I never touched it. half went into a high yield savings account and the other went into a CD account.

I can touch the savings if I want to. The CD can’t be touched without penalty. But I don’t have a need to touch either. Donald pays rent and gives me money all the time. Ted pays “rent” he doesn’t but he think he does but I use that for utilities and groceries.

I also have a very good job on my own. 75% of my paycheck doesn’t touch my account it goes straight to my retirement which is matched by my company.

[materialsscienceandengineering]

Finely regulated luminescent Ag-In-Ga-S quantum dots with green-red dual emission toward white LEDs

Semiconductor quantum dots (QDs) materials have shown great potential for applications in lighting and display fields due to their wide color gamut, adjustable emission wavelength, high quantum efficiency, high color saturation, and low processing cost. For example, QD materials based on cadmium and perovskite have made remarkable progress, but the use of toxic Cd and Pb has limited their further application. The Restriction of Hazardous Substances (RoHS) regulation clearly limits the use of Cd and Pb in electronic products to less than 100 ppm and 1,000 ppm, respectively. Therefore, developing new environmentally friendly quantum dot material systems is of great significance. In recent years, eco-friendly I-III-VI2 QDs, such as Ag-In-Ga-S (AIGS) QDs, have attracted widespread attention due to their large Stokes shift, controllable emission over the entire visible spectrum, and high photoluminescence quantum yield (PLQY).

Read more.

[bitstitchbitch]

friendly reminder that if you have money in savings, put it somewhere where it will earn interest. I made over $6000 in interest this past year. It doesn’t seem like much when you start out, but the more money build up the larger the benefits.

easy options for investing:

Company or individual retirement account. Make sure you actually put the money into funds that will gain interest. You can look up fund distributions for age (do higher risk when you are younger and slowly move to lower risk as you age). More than half of my interest came from my retirement account despite only having about a third of my money in these accounts. Downside is that it’s not accessible until much later without severe penalties. (7% average - early years may vary significantly due to being in high risk funds)

CD or bonds. These are very safe with guaranteed returns at the cost of not having immediate access to the money. I find that CDs at local credit unions / online only banks will have the best rates. Read the rules, but a lot of times you can pull the money out before the end of term and only lose a little interest, not principal. You can choose set or variable interest rates. You can also choose the term - a couple months to several years. (3-5%)

high yield savings account. Also guaranteed returns. Variable interest rates. Easy access to the money at the cost of slightly lower interest rates compared to CDs. Usually online only if that matters to you. Good place for your emergency savings (3-4%)

i admittedly don’t do this yet, but buy into low-fee index funds for mid-to-long-term investments. (S&P 500 averages 10%). Medium to high risk depending on the fund, so plan on keeping your money there a while (5+ years) and know that if/when the market crashes you may need to wait a while for things to recover.

investing sounds really scary, but there’s some easily accessible options that might even be available at the bank you’re currently at (and if not, you can have multiple bank accounts). A lot of these are one-time setups that are easy to maintain afterwards.

Don’t think you have to be some fancy investor tracking all the individual stocks and learning all the lingo. Honestly, simplicity is often better and safer. Most investing advisors who manage complex investment portfolios for other people just put their own money in simple index funds.

[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.

[vibeventurehub]

25 Passive Income Ideas to Build Wealth in 2025

Passive income is a game-changer for anyone looking to build wealth while freeing up their time. In 2025, technology and evolving market trends have opened up exciting opportunities to earn money with minimal ongoing effort. Here are 25 passive income ideas to help you grow your wealth:

1. Dividend Stocks

Invest in reliable dividend-paying companies to earn consistent income. Reinvest dividends to compound your returns over time.

2. Real Estate Crowdfunding

Join platforms like Fundrise or CrowdStreet to invest in real estate projects without the hassle of property management.

3. High-Yield Savings Accounts

Park your money in high-yield savings accounts or certificates of deposit (CDs) to earn guaranteed interest.

4. Rental Properties

Purchase rental properties and outsource property management to enjoy a steady cash flow.

5. Short-Term Rentals

Leverage platforms like Airbnb or Vrbo to rent out spare rooms or properties for extra income.

6. Peer-to-Peer Lending

Lend money through platforms like LendingClub and Prosper to earn interest on your investment.

7. Create an Online Course

Turn your expertise into an online course and sell it on platforms like Udemy or Teachable for recurring revenue.

8. Write an eBook

Publish an eBook on Amazon Kindle or similar platforms to earn royalties.

9. Affiliate Marketing

Promote products or services through a blog, YouTube channel, or social media and earn commissions for every sale.

10. Digital Products

Design and sell digital products such as templates, printables, or stock photos on Etsy or your website.

11. Print-on-Demand

Use platforms like Redbubble or Printful to sell custom-designed merchandise without inventory.

12. Mobile App Development

Create a useful app and monetize it through ads or subscription models.

13. Royalties from Creative Work

Earn royalties from music, photography, or artwork licensed for commercial use.

14. Dropshipping

Set up an eCommerce store and partner with suppliers to fulfill orders directly to customers.

15. Blogging

Start a niche blog, grow your audience, and monetize through ads, sponsorships, or affiliate links.

16. YouTube Channel

Create a YouTube channel around a specific niche and earn through ads, sponsorships, and memberships.

17. Automated Businesses

Use tools to automate online businesses, such as email marketing or subscription box services.

18. REITs (Real Estate Investment Trusts)

Invest in REITs to earn dividends from real estate holdings without owning property.

19. Invest in Index Funds

Index funds provide a simple way to earn passive income by mirroring the performance of stock market indexes.

20. License Software

Develop and license software or plugins that businesses and individuals can use.

21. Crypto Staking

Participate in crypto staking to earn rewards for holding and validating transactions on a blockchain network.

22. Automated Stock Trading

Leverage robo-advisors or algorithmic trading platforms to generate passive income from the stock market.

23. Create a Membership Site

Offer exclusive content or resources on a membership site for a recurring subscription fee.

24. Domain Flipping

Buy and sell domain names for a profit by identifying valuable online real estate.

25. Invest in AI Tools

Invest in AI-driven platforms or create AI-based products that solve real-world problems.

Getting Started

The key to success with passive income is to start with one or two ideas that align with your skills, interests, and resources. With dedication and consistency, you can build a diversified portfolio of passive income streams to secure your financial future.

[drdemonprince]

How to be anti capitalist and still invest in the stock market?

The Socially Conscious Mustachians group on Facebook is a great place to turn to, if you want to speak with other people contemplating these questions. There are some forums on the Mr Money Mustache site where people explore alternate options too.And I suppose I should mention that there are index funds that purposefully exclude stock in firearms, tobacco, fossil fuels, and other especially morally galling industries.

Personally, I wouldn't pretend that any investment method can be moral. Holding onto any resources within the imperial core is arguably immoral. I think if you've been around here a while, you might have noticed that my lens of analysis is not one of personal moralization. If someone thinks that me saving for an early retirement is immoral, I can't necessarily disagree with their value judgement, I certainly see the basis of it. My viewpoint is that not being dependent upon an employer for a wage means I can be far more selective in how I spend my time, and not take work that I view as morally compromising, and live more in alignment with my values in a variety of other ways while surviving as a disabled person and supporting my friends from time to time, none of which would be possible if I was dependent upon a full-time wage. But I can see why others would disagree. I would certainly welcome the collapse of capitalist society and lose all my savings if it meant not having to make these awful choices.

If you wish to invest without putting money in the stock market for moral reasons, then investing in a money market is really the only way to go. Bonds and CDs loan money to a genocidal government; investing in the stock market fuels (and allows you to profit from) capitalism. If you can find a banking institution or credit union that does not invest in oil pipelines and political lobbies and keep your money in a high-yield savings with them, that's the simplest, best, and likely more secure way to go.