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vaguelygeiszlerian · 4 years ago

Note

1 to 40 please OwO

rhhgjtghenrhg avery is that you (im chucking these under a readmore, i just did some so im not doing them again, there WILL be context so prepare to read)

your favorite song everyone who knows me even a little bit knows my favorite song is take on me by aha! https://open.spotify.com/track/2WfaOiMkCvy7F5fcp2zZ8L?si=Y-PQBNsYSFe30n4l-XILsw

the first song you remember loving the very first? well if i can’t do take on me again, you get... hm. well there’s two, so i’ll give you the not embarrassing one. bohemian like you, dandy warhols, a song 2 year old [redacted] went wailing round the house singing. https://open.spotify.com/track/0yEhNqCwEfy8LHUmnZoHpP?si=UDGKtdX-Qwiy2mUP88Xlbg

a song that reminds you of summer done!

a song you haven’t heard in years behind blue eyes, limp bizkit, before you say anything, and i know you will, this song is a depression song and i stand by my love for it https://open.spotify.com/track/1MTQHCpraD4S8g5PAFKzoj?si=vD8m_yjlRoq3bRd1hvQU1A

a song you can relate to right now? well, i’m mostly plucking songs from my ‘real ass bops’ playlist, if you want the one that reflects today’s jordan, you’re in for a grim treat! despicable by grandson https://open.spotify.com/track/5IPT4Noqvo7bsfbWUOHcG4?si=Cp4O-5WdS0-ZqfxxWVR01A

a song that reminds you of your favorite book ooh, i think i have a good one for this, my favorite book of all time is the taking by dean koontz, ask me why sometime, it’s a good read! it’s the end of the world as we know it (and i feel fine), r.e.m https://open.spotify.com/track/2oSpQ7QtIKTNFfA08Cy0ku?si=nfVjPGY7QaGH26uAz-88_A

a song that makes you want to dance right now? two trucks, lemon demon, don’t ask https://open.spotify.com/track/1s5A0u1dnAeVNur5nPkCpD?si=HLZERdMDQnqBxGnj31Lx3g

the best song from your favorite album heart’s a mess, from gotye’s ‘like drawing blood’, his second studio album, which is my absolute fave of all three proper ones he did, even if his first had some really amazing tracks, and making mirrors had some good ones, there’s nothing like learnalilgivinanlovin, or a distinctive sound, or, as i said, heart’s a mess! https://open.spotify.com/track/4tFkgfdi8b3aNcKNthPqIF?si=nDJafKn8QYmEgdqmlN4y4A

a song that makes you want to cry all songs make me wanna cry, but first that comes to mind is black friday (from the black friday musical soundtrack), because as an older sibling with a younger sister that the world doesn’t understand (that i don’t understand sometimes) the little aside about hannah makes me cry every single time https://www.youtube.com/watch?v=LAZgYL0p2zk

a song that makes you feel young the distance, cake, it’s a song i listened to pretty much from my formative years til about... well, yesterday actually! never ceases to make me feel like im a good 15 years younger haha https://open.spotify.com/track/0fsz7tJ7UKXT9hliLfO7aE?si=caOsrX_fT4u9qARZKWSqfQ

a song that means a lot to you la vie en rose, edith piaf. i was (still am) a romantic sucker, and used to make all sorts of idealistic romantic playlists growing up, and i never knew the french (and i still dont (youre welcome em <3)) but the way she sang always made my heart tremble. and then bioshock infinite burial at sea came out, and i listened to that version of la vie en rose a million times, cried at a good half of them. anyway i love this song. https://open.spotify.com/track/3lAun9V0YdTlCSIEXPvfsY?si=zSRwBZ0AQnuyGGkjh2XmZw

the last song you listened to i’m in love with an e-girl, wilbur soot, the chorus of this song FUCKS my friends, honestly the whole song (and internet has ruined me, the sort of sequel) fucks https://open.spotify.com/track/44wBlg3Y1KSAEmaze5BXe7?si=u9mapV8STz6sqR3jg4XMiw

the last song you heard on the radio we don’t really do the radio in the car, and i dont recognise the songs on there these days anyway

the last cd/album you bought the black friday album actually! support starkid

a song to listen to on rainy days done!

a chill song no surprises, radiohead https://open.spotify.com/track/1bSpwPhAxZwlR2enJJsv7U?si=oVXsE5JiTxulLkevqL4hjA

an upbeat song push up, freestylers, ok so maybe we do listen to the radio sometimes, and i heard a snippet of this like two months ago and immediately added it to my playlist https://open.spotify.com/track/2PJq8Fr5i2S0OkcmFsTC1P?si=3K7q37zNRuCQIduRdApjWQ

a song that gets stuck in your head nobody by mitski, everyone knows that one though https://open.spotify.com/track/6bTn1ovliI0OkjUNkiMBJq?si=Vc-DUCl-RpyhRc6lcbpKgg

your favorite song from a movie somewhere only we know, keane, from my favorite scene in ‘he’s just not that into you’ which is one of my fave romcoms, ok you probably didnt need all that context, dont laugh https://open.spotify.com/track/0ll8uFnc0nANY35E0Lfxvg?si=Lov6MdiOTNGrxCiX6UdDZg

your favorite song from a musical inevitable, the guy who didn’t like musicals. i know the choreo, i know every part almost down to the pitch now, i spent hours practicing the kickline with my sister. jon matteson if you have a spare moment please teach me how to kick your legs that high https://open.spotify.com/track/2lQkaEvJa69QCzk3x6HgaA?si=QMRBYXPwRruOSU4_xBPdMA

a song that reminds you of the moon night, the altogether, no real reason here, its just got a lonesome ethereality to it https://open.spotify.com/track/3MKF7HCn6uD03jWcUB8k1R?si=gm8JKR1jQbS6Dh59WUuEwA

a song by your favorite artist/band i really can’t pick between radiohead and newton faulkner, so you get the best of both, 15 step and teardrop https://open.spotify.com/track/6dsq7Nt5mIFzvm5kIYNORy?si=9dEYby1PRKm8zozrCTGcjA https://open.spotify.com/track/7JpgJ7b5sjvo3fUfPcRlq1?si=pVfzoWtuTdO5OsbDgUnabQ

a song from the year you were born closing time, semisonic, one of the fucking best songs ever https://open.spotify.com/track/4EnkwZd0UJAuHpNMMemQaA?si=ASYNfnThR_m9kqFrloI9nw

the number one song on your birthday my heart will go on, celine dion, i guess titanic had just come out that year, but in my country, on my birthday, this was the number one, god help us https://open.spotify.com/track/33LC84JgLvK2KuW43MfaNq?si=HswubDCkQJ-x7-LM06PQUQ

your favorite love song i do adore, mindy gledhill, cliche at this point, i know, but my sister introduced it to me, played it on her ukelele, and i love her, more than i love most things, and it makes me smile even on a day where ive not done very much smiling at all https://open.spotify.com/track/6JNEDSev5Tp5VQR04SEBfV?si=BxnrZafFT3m4QkXNUN5GcA

your favorite christmas song baby it’s cold outside, lydia liza and josiah lemanski, it’s the funniest fucking song https://open.spotify.com/track/3xvFTqHmlMqKjHgczCGn2C?si=lgDMvUQZR-2lPXHINo2POQ

one song that starts with each letter of your name j: JT by jon bellion (https://open.spotify.com/track/1eftOUoeMO1JkSQQmS6jXF?si=h4yYMpXnTAiZPxJJUPv0DA) o: one more shot, spies are forever ost (https://open.spotify.com/track/0EgLq4ORQ6TMPN6rjWp3d6?si=mC3eDbJJRyCGN4fNAcbdlA) r: red signal, the mechanisms (https://open.spotify.com/track/2TWDxsjHx2rqtH197URbE8?si=XB8D-1N-SkKgmlTZOFbcfQ) d: dont judge me, janelle monae (https://open.spotify.com/track/6UQDIIEPzeduwXlZE86SOF?si=1bONXfj-SQiq79ibrXjC-A) a: as your father i expressly forbid it, lemon demon (https://open.spotify.com/track/29L9B2aDs2NhrQGbs8pf9M?si=CvVTbLtNTgGeL3iemrLVHg) n: night drive, gotye (https://open.spotify.com/track/3fuRfxHpC56uNFMOaOlMCm?si=PDAbEsi_SjK-EYDmTvjT6A)

two songs with the same/similar titles that you like i don’t care (fall out boy) / idfc (blackbear) https://open.spotify.com/track/13mM4hWNMH5KwMcwl81tXS?si=YOqg8tVXRQKXB3ANmDFjHQ https://open.spotify.com/track/6y6jbcPG4Yn3Du4moXaenr?si=CzyYs4b5QQ23azTqgv0iXw

a cover that you like better than the original song done!

a song with really good lyrics kick it up a notch, starship https://open.spotify.com/track/1r223IXiRxObMBNh3mcyWR?si=-RX3obwISfS_jk3JjzvaJg

a song with an amazing beat couple’s retreat, jon bellion https://open.spotify.com/track/7pMS0byKI7V1Mpl0SlWEDq?si=Xytu_HBrStq_zjKdia2oig

a song that you associate with the color yellow boys, lizzo https://open.spotify.com/track/1ITsmuChPVC05ogvorAyVu?si=hkoCz7ouQsyLKn8Q7KO92g

your favorite song with an action in the title (jump, dance, etc.) bite back, all american rejects https://open.spotify.com/track/4zJv4aXOIAepvhApOFoQeQ?si=qRtthyDlQvKGRErmkI8lDg

your favorite acoustic song heart is full, jon bellion https://open.spotify.com/track/6DvsjPkNcB4QoezDPtxsAB?si=vD18h70qSFG5xtrjpuy4XA

a song that motivates you take me home, country roads, john denver https://open.spotify.com/track/39q7xibBdRboeMKUbZEB6g?si=STNgdvZSQNSfqX9pENggSg

your favorite song you’ve heard live camisado, panic at the disco https://open.spotify.com/track/1LF5HQ32hztQWzADGH8ys4?si=VDjKcAo9TX-JA0kF6csqQA

a song that reminds you of your best friend ok so this one needs context (and an attached apology), when i think of best friends as a concept i think of tianna, and when i think of tianna, i think of sitting at the junior campus, huddled around my phone, tittering like twits over this stupid fucking song. (but honestly avery this applies to you too, you’re my best friend that isn’t emmy, i love you) enormous penis, da vinci’s notebook https://open.spotify.com/track/7dUCFnaGSWLH6SdDP08NLP?si=dH00DTxqTR2y3mAIEia9Lw

your favorite song from childhood radio/video, system of a down, the song my sister used to babble incomprehensibly loudly to whenever we played it in the car, the one i grew so used to i can literally hear it in my head as i type https://open.spotify.com/track/41pOIT2t1rvr2Trg1HQChZ?si=-Kyg8JSET2uDq0XGMICsMg

a song you always sing along to can’t sleep love, pentatonix, my sister and i’s favorite song to duet together, even if we haven’t quite worked out the proper parts for a two person acapella cover haha https://open.spotify.com/track/1klGbW5a9qTBFUjFfddbmU?si=Lm0FMpz5TVKddr82vUyf2w

your favorite song in a language different from your native one since i’m determined not to reuse songs, you get papaoutai, stromae (sorry about all the french, they bop babe) https://open.spotify.com/track/09TcIuH1ZO7i4vicWKoaN2?si=YTuHkj1DTgicqo7ZnqYJ0Q

#long post #but thanks much for the ask #why i keep on doing these huge lists is beyond me #Anonymous

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spellburdened · 5 years ago

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( introduction )

･ﾟﾟ･｡ ( sydney park, cis female, she/her ) — 𝒉𝒐𝒈𝒘𝒂𝒓𝒕𝒔 𝒊𝒔 𝒉𝒆𝒓𝒆 𝒕𝒐 𝒘𝒆𝒍𝒄𝒐𝒎𝒆 𝒉𝒐𝒎𝒆 RITA SKEETER, the TENTH year SLYTHERIN student ! i hear that the TWENTY-year-old is known to be CHARMING and CUNNING and also very VINDICTIVE and MANIPULATIVE. however, if you ask me, the fact that they are a PUREBLOOD and leaning towards the side of the DEATH EATERS is a lot more telling.

basics:

full name: rita nari skeeter

age: twenty

hogwarts house: slytherin

hogwarts year: tenth

extracurriculars: potions club

amortentia: the smell of fresh ink, cherry blossoms, the ocean

boggart: public humiliation

patronus: beetle

the app:

the name:

reveilo: rita skeeter, in and of herself, was a scandal. she was born on a cold chilly morning on november eleventh, on the six month anniversary of her parents wedding day, and only seven months after her parents engagement came to be. jin ae moon had always been the girl everyone expected her to be, having been sorted into ravenclaw, she excelled in her schooling, and it was no surprise to anyone when she took a position in the ministry shortly after her twenty-second birthday. however, as all children do, she eventually made a mistake that would determine the rest of her life. after attending a quidditch match with her older brother, she found herself face to face with puddlemeres newest beater, parker skeeter. a few drinks later and she found herself in bed with parker skeeter. she left before he awoke the next morning, embarrassed and humiliated with herself. she went on with life as usual until she found out that her harmless night with parker skeeter wasn’t so harmless after all, and with crafty negations between both parties, jin ae moon became jin ae skeeter before anyone became aware of the result of their little indiscretion: rita. there wasn’t true love in their marriage, if anything there was resentment in the beginning. parker skeeter’s career was just starting, and the last thing he wanted was to be tied to a wife and baby, but he didn’t dare risk scandal. scandal could ruin them both, the common theme that bonded them. whenever she were born, her parents decided to let their family, and the media alike, think that she was premature, and quite ill as a result, backed by the word of the healer after she had received a significant amount of galleons for her silence. she was three months old before she was ‘well’ enough to be shown to the world, and this was the first time the world saw the scandal became known as rita skeeter.

indocturnation: while rita’s father hadn’t been excited about her existence in the first place, especially on the realization that she was a girl and not the son he craved, parker skeeter knew that at least he could instill his values in her. her only true unchangeable flaw in his eyes being her dark hair, the one thing of her mothers she has. the first time she learns about mudbloods she is barely three years old. her father sat her down in the living room, and began filling her innocent mind with words and phrases describing monstrous things, not even human enough to be called a person. those were what mudbloods were, and the reason that she had to avoid these monstrous beings became quite clear to the three year old rita skeeter right away. over the next seven years her father would continually give her lessons about how to be a proper pureblood, and what is right and wrong as he slowly formed her views little by little. her mother on the other hand never so much as uttered the word mudblood the entire duration of your time . jin ae never really seemed to voice any of the opinions she had around her husband, though she told rita of some of them. how she didn’t like the cologne he wore, or how she wished he would take his shoes off when he came into the home. all in all, her mother was picture of how a pure blood wife should be, at least in her fathers eyes. quiet, polite, and not questioning things. if he only knew what she thought of his views, and his actions and indiscretions. her childhood is spent in a house of unrest just waiting to boil over, and at the age of three, she is completely unaware of just how bad things will get.

the story is what you make it: it was a cold may morning whenever rita and her mother made the trip back to her home town for her grandfathers funeral. during the funeral they spoke about his bravery, his skill, his family, and their ancestors. it was only whenever a young rita listened closely that she heard lies being told, and things not adding up quite right. she stayed silent though, as she was supposed to, and waited until the witches and wizards dispersed to pull on her mothers robes and ask about what she’d heard, and asked why they lied. her mother knelt down to face her, and told her a phrase that would stick with her for the rest of her life: the story is what you make of it. the young witch nodded, and touch her mother’s hand as she led her away, the words still dancing in her head.

animagus: from the time rita skeeter learned about animagi in her third year at Hogwarts, she decided then and there that she would become one. it was a grueling process, exasperated by the fact she wanted it to remain a secret. she studied and read for years, preparing for when she would finally put it all into action. it was in the summer after her seventh year that she put her plan into motion, finally succeeding her endeavors shortly before her eighth year was set to begin. her form was a beetle, not something she would have ever anticipated, but a useful thing in the end. no one would notice a beetle in a crowded room, or whenever spilling out their deepest and darkest fears to no one but themselves.

headcanons:

rita is the daughter of parker skeeter and jin ae moon. she is the only child of the marriage as complications from labor rendered jin ae unable to bare more children.

she is fluent in english, korean, and french. potions was her best class at hogwarts

potions was her best class, and the only course she recieved an outstanding on in her newts

she hasn’t taken the dark mark yet not because she doesn’t support the cause, if anything, she supports it more than anything else in her life, but should the tide of the war change, she wants to be able to make the story what she wants it to be, and a bullseye on her arm is hardly conducive of that.

she has been writing anonymous articles and stories and submitting them to wizarding publications from the time she was sixteen, occasionally getting published in the daily prophet and witch weekly from time to time. typically revolving around gossip she has heard amongst the students, in hogsmeade, the social circles she is privy to, as well as blatant lies.

songs:

you don’t own me (feat. g-eazy) by saygrace

carry your throne by jon bellion

hold me down by halsey

everybody wants to rule the world by lorde

money power glory by lana del rey

young god by halsey

r.i.p. 2 my youth by the neighbourhood

dollhouse by melanie martinez

secrets by the pierces

idfc by blackbear

other:

pinterest: here

#fd.intro #• rita skeeter #death tw

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astravein · 6 years ago

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i have so many gripes for my boy about voltron in general, and obviously many from s8.

black. first of all, why did they want to kill shiro off? after the entire first 2 seasons of him earning black’s trust and respect, of him building that deep connection ( and its significant, you can see that in his battle with zarkon ) only to violently rip that from him only 2 seasons in? why. why do all that work only to fucking trash it in the end? because that was their goal. make shiro want and want black so bad, then pull it only for keith to get that in less than half the time? it was easy for keith. or maybe that just was the plan all along and shiro had to fight for that trust because he was never meant to have it to begin with ( which now makes me incredibly sad to think about ). and don’t get me wrong, i love keith so much more than this might let on, and i do think he’s worthy to be black paladin. but goddamnit shiro worked so hard��to be black paladin and it amounted to nothing ( until fans were upset enough that higher ups literally told them to find a way to bring him back ). and then after they bring shiro back, it was literally to keep his soul within black. they made it so that black literally kept shiro’s essence alive within themselves. WHAT WAS THE POINT OF THAT IF BLACK WASN’T TO BE HIS, AND TO DESTROY HIS BOND BY SAYING IT NO LONGER EXISTS. shiro literally meant jack diddly in the end to enough people that s8 completely destroyed his character.

sendak. as stated, i love keith with all of my heart. i have no doubts that his love for shiro, platonic or otherwise, would drive him to do everything he could for shiro. but why, whywhywhy did the writers take away sendak’s death and give it to keith? we get it. you’re just beating a dead horse at this point with keith’s constant ability to save shiro from life and death situations. his love has been made known. we been knew for 6 seasons. but goddamn, can shiro have some form of autonomy when it comes to his own life? can he be anything unless keith is saving him? is this purposeful because shiro was keith’s driving force for his garrison life? is this what happens when a character is brought back when they weren’t supposed to? i have no doubts that shiro is forever grateful for all that keith does for him. but everything that has happened to shiro, every villain who has taken away his choice when it comes to his own person, HIS OWN BODY; shiro was never given closure for that ( except maybe when it came to zarkon ). this isn’t about revenge for me. this is about shiro finally getting the control of his own life that could have been presented to him. he literally fought and fought sendak only to fall from a ship and be left exposed on the ground? for keith to jump out of black to strike him down personally? which is so extra vld, so fucking extra. and it hurt me. it hurt me personally that keith took the weight of sendak’s death and shiro was left to watch once more as someone else had that control over his life.

keith. ok so maybe this piece is about keith more than anything but, shiro literally loves this man. idfc what anyone has to say about it. he loves keith and that should have been said, by shiro, to keith. it should have. fucking. after everything they’ve been through keith deserved to hear that. i know it’s common knowledge through actions that these two mean something significant to the other, but goddam. after everything that boy did for shiro, he deserved to hear, out loud, that someone loves him so much they would go to death’s door for him in return. the point of this is that shiro was also robbed of returning keith’s feelings. idec if it was to be platonic, i literally don’t fucking care after the fuckery of s8, but shiro’s character deserved to show keith some measure of the same devotion he was shown. because you can’t tell he wouldn’t have. you can’t tell me that shiro wouldn’t have given keith love in return.

shiro. what the fuck even is s8? admittedly, i enjoyed the purpose of what s8 was supposed to represent. but like so many others, everything that was omitted killed the season. allura’s death killed the season. lotor’s dismissal and torture killed the season. shiro as a prop? killed the season. where was the depth to s8? was it actually supposed to end at s8, or was that rushed for some other reason? i feel like so many things were cut out to pack the big war, the big battle, the big sacrifice into 13 short episodes. shiro has no purpose in the show anymore, after making him the reason of the show for so many seasons. i’m sorry, my bias will show, and i will defend that voltron easily became about shiro and keith in the end, and that was threatening to some people and it was completely omitted in s8. but shiro amounted to nothing in s8, even removing keith from the situation. becoming one with the atlas? shrug. having connections with the paladins? shrug. spending time with those paladins at a fuckin carnival? shrug. yes, yes i firmly believe that the sunset belonged to shiro and it was the perfect moment for shiro to actually express his gratitude and love for keith. because shiro would have known where to find keith, not lance. i’m not even sorry for how ship biased that makes me sound. lmao, also, that little stupid credit end is a load of bullshit because shiro fought for the stars for his entire life and they just took that from him like it meant nothing for 7 seasons. leaves his ex for the stars? check. survives being champion? check. wants to be paladin so much he fights for black’s acceptance? check. his clone, which embodies shiro, wants nothing more than to be a paladin no matter what? check. him getting married to a nobody and settling on earth? ??? who tf wrote this ending?

anyway, i’m fucking disappointed in vld s8, and i refuse to acknowledge it as canon. i will literally rewrite everything for myself. lotor will have his redemption, allura will save him just like she saved lance and shiro, honerva will die for her choices, and her death alone will be enough to end the realities being destroyed. allura will live, and yeah, she’ll probably be with lotor because it ended in that progression anyway ( i love a//urance a lot but her connection with lotor progressed into something that moved away from a//urance ), shiro will show, and tell keith that he loves him in return, keith will still give the blade the purpose of restoring what the war destroyed, pidge hunk and lance will be the trio together coming full circle, lance will actually be given the development he deserved and not be consumed by allura??, coran will be so sappy crying sad that allura literally gets to live out her life and he gets to see it happen, team earth squad will have their moments, hunk will revisit shay, pidge will actually find the olkarion, matt will keep the ponytail and live with his robot ‘friend’, lotor will get to bring about the change that he meant for ( obviously did not make the greatest choices in how to get there, but it’ll happen and he deserves to see it happen ), and shiro will travel the galaxies, living a full life doing exactly what he dreamed of for years.

#im writing fanfic and im just flooded with this bitterness that shiro became a prop for s8 #he's going to travel the galaxy you absolute fucks at dw and i believe nothing else #catch my salt vld #trash.#mobile.#i'll trash this post soon but i really needed to vent out my thoughts cause it just hits me in waves that vld literally did s8 #that is literally what we were presented with #and they thought we would like. lmao fOOLS

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satyiki · 2 years ago

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Digital Currency in India, Digital Rupee, All You Need to Know About New Digital Currency

The Reserve Bank of India (RBI) has commenced the first pilot launches of the Central Bank Digital Currency (CBDC) or the digital rupee-retail segment for India from November 1, 2022. Earlier, the apex bank released a concept note in this regard on October 7, 2022.

The CBDC is a digital form of currency notes that a central bank issues. Digital currency or the rupee is an electronic form of cash, which can aid in contactless transactions. Simply said, it remains a legal tender in digital form.

Also, the core idea behind introducing the digital rupee is to provide an additional payment avenue to users, not to replace the existing payment systems.

The focus of future pilots is to introduce CBDC of two types: retail (CBDC-R), which would be potentially available for use by everyone, and wholesale (CBDC-W) which will be designed for restricted access to select financial institutions.

The central bank has identified nine banks for participation in the pilot launch, which includes the State Bank of India (SBI), Union Bank of India, Bank of Baroda, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Yes Bank, HSBC, and IDFC First Bank.

The use case for this particular pilot is the settlement of secondary market transactions in government securities (G-sec bonds). The use of the digital rupee is expected to introduce more efficiency in the interbank market.

The Centre announced the launch of the digital rupee from the financial year (FY) 2022-23 onwards in the Union Budget on February 1, 2022.

Digital Rupee: RBI’s Central Bank Digital Currency (CBDC) pilot starts – What should retail users know?

Digital Rupee Features, FAQ, Expected Benefits: RBI has not yet launched a Digital Rupee pilot for the retail segment. It will launch the first pilot of the Digital Rupee (e₹-R) for the retail segment within a month.

Central Bank Digital Currency (CBDC) has finally come to India with the start of the pilot phase of the Digital Rupee rollout from today (November 1, 2022). However, the Reserve Bank of India (RBI) has launched the first pilot of the Digital Rupee for the wholesale segment (e₹-W) only.

Experts believe that CBDC is one of the biggest developments in the financial world, the full impact of which will be visible in near future. India already has a stellar record as an early adopter of technology with the rapid adoption of UPI and QR-based payments across the country. With CBDC, it is expected that India will take giant strides in the world rapidly progressing towards the adoption of digital currencies.

RBI has not yet launched a Digital Rupee pilot for the retail segment. The central bank will launch the first pilot of the Digital Rupee for the retail segment within a month. It will be launched for closed user groups comprising customers and merchants. RBI will share details in this regard soon.

The current rollout of the Digital Rupee is meant for the Wholesale segment only. According to RBI, the use of the Digital Rupee in the wholesale segment would make the interbank market more efficient. Moreover, the settlement in central bank money would reduce transaction costs by preempting the need for settlement guarantee infrastructure or for collateral to mitigate settlement risk.

In future, RBI plans to launch pilot projects for other wholesale transactions and cross-border payments.

Banks participating in Digital Rupee – Wholesale segment pilot are State Bank of India, Bank of Baroda, Union Bank of India,��HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Yes Bank, IDFC First Bank and HSBC.

Expected features of Digital Rupee for Retail Users

Digital Rupee (e₹-R) may play a big role in providing a safe and reliable means of payment for direct transfer programs of government welfare programmes. If properly monitored, CBDC will help promote inclusive and innovative payments, according to experts.

With Digital Rupee, efficiency, lower fee requirements, faster settlement, increased transparency and lower privacy would translate to everyday lives slowly but will have both positive and negative externalities.

“CBDCs can play a big role in the government’s push to provide a safe and reliable means of payments for direct benefit transfer programs of government welfare programs. They promote inclusive and innovative payments if properly monitored, and the risks involved are overcome through effective means,” says Manish Sharma, Founding Partner of Centricity Wealth Tech.

If leveraged for government schemes, Digital Rupee would ensure no leakage and automated release of payments on the completion of certain tasks.

Will Digital Rupee be useful in retail payments?

CBDCs can also be used for retail payments. Payment instruments could be made available for payment transactions to be made via CBDC. Retail CBDC distributed by the RBI and commercial banks would have to be held in electronic wallets/ accounts by the end users.

Digital Rupee would enable payment means between the following:

Consumer to consumer

Consumer to business and

Business to business.

Will Digital Rupee replace physical currency?

Digital Rupee will not replace physical currency. It is meant to complement physical currency.

Digital currency advocated by the central banks is to complement and not replace the current forms of money and will provide users with an additional way of payment, with the existing payments systems still being in place.

The digital rupee ideated by RBI will be generated through an advanced payment system which is affordable, accessible, convenient, efficient, safe, and secure and will further bolster,” says Rachit Chawla, CEO, Finway FSC. Read more about Future of Financial Sector by 2030.

Will Digital Rupee boost lending?

Instant lending to micro, small and medium enterprises (MSMEs) in India can be possible with the help of CBDC. As more MSMEs use CBDC, banks can draw up a more accurate borrower risk profile. This can be used to promptly meet MSME financing requirements.

Moreover, the stimulus for MSMEs can also be disbursed quickly from the central bank. This can help businesses grow and sustain themselves during periods of uncertainty where the availability of cash is limited.

Will Digital Rupee transactions be traceable?

Digital Rupee transactions will be traceable. Experts say that CBDC’s traceability may help retail users and MSMEs prove their creditworthiness.

Will Digital Rupee be based on blockchain?

Experts say that the CBDC for retail would likely be on a Distributed Ledger Technology and not necessarily the blockchain.

There would be a transparent overview of transactions between participants. The automation ability and instant settlement will help speed up the overall financial infrastructure on which retail payments operate.

Will Digital Rupee have private keys like cryptocurrencies?

There are some concerns about the private keys of the Digital Rupee and the risks associated with losing a private key. However, it seems likely that Digital Rupee would not be based on a self-custodial model.

Will Digital Rupee be exchangeable with cash?

Experts expect there would be fungibility of the CBDC with cash for retail. This would make it an opt-in opt-out kind of system.

Will Digital Rupee help in tax collection?

Digital Rupee may make it easy to collect taxes through smart contracts.

There are also interesting ways for the tax to be collected through smart contracts linked to the CBDC, but there are various other developments in law, policy and education which would be required before a full retail rollout.

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lofitojii · 7 years ago

Text

idfc [ I ]

Plot: It’s all fun and games with him until it’s not anymore. He’s not that type of guy, yet you still holdout.

Warning: Strong language, smut, angst.

Word count: 1.7k

Instagram: lqxpcy

“Y/n if you don’t answer your damn phone, I swear to god I will come there and rip you out of your house with my own bare hands,” you heard Sehun’s voice boom through the phone. You just shook your head and threw your phone to the side, ignoring the voicemail your friend had left for you. You pulled the blue blanket over your bare toes, bringing it up to your chest, snuggling deeper into the blanket. You flipped through channels on the television, in hopes to find something worth watching. You did this almost every Friday night. It was your time to relax and to be alone.

“What have I said about locking the door, Y/n?” You screamed as Sehun barged through the door, causing you to throw both the remote and blanket to the ground. You raised your hand to your chest, trying to recover from your near death experience. “Good GOD,” you cursed. “Ever heard of knocking?”

“Now why would I do that when I know you never lock your door?” Sehun jumped over the back of the couch and rested his body next to yours. “I mean, you live alone. The least you could do is lock your door.” You rolled your eyes and pulled the fallen blanket back over your body. You didn’t bother grabbing the remote. There wasn’t anything interesting on anyways.

“What do you want, Sehun? “ You finally asked.

“I came to get you. It’s Yixing’s birthday after all.” You slapped your forehead, totally spacing the fact it was one of your best friends birthdays.

“Shit.” You got up from your spot, making your way into your room, Sehun closely behind you. You opened your closet, trying to pick out an outfit in the short time you had.

“Can’t wait to tell Yixing about how his best friend forgot his birthday party.” You glared over in his direction, not really having time to focus on what Sehun was saying. You had gone through one hell of a week with school and work you had totally spaced Yixing’s party. You pulled out a pair of jeans, quickly stripping from your pajamas right in front of Sehun who didn’t seem all too fazed at the gesture. You pulled over a plain white t-shirt, trying your best to get ready as fast as you could. “You and your damn makeup,” he sighed as you took a seat in front of your mirror. You ignored his comment and touched up that day’s makeup, trying to look semi-decent. “Are you ready yet?”

“You know Sehun, you can go whenever you want. I have my own car,” you replied back, trying to get him to lighten up. He just shook his head, exiting your room to leave you alone to finish what you were doing. When you had finished, you came out seeing Sehun sprawled over your couch.

“Let's go, idiot.” He perked up at the sound of your voice and followed you out your door, making sure to lock it behind him. You rolled your eyes at the boy, his smirk vivid.

You had known Sehun for over eight years now. You met your freshman year of high school when you had first moved into the city. You two instantly clicked and have been friends for just about ever. You have never once felt anything romantic towards Sehun and he was the same way. It worked that way. It always worked that way.

You two arrived at the party in full swing. People were coming in and out of the party; drink in hand, laughter taking over the night. “There she is!” Minseok smiled as he saw you walk in. “Yixing has been looking for you.” He pointed to the kitchen where Yixing was standing with Jongdae and Kyunsoo. You thanked Minseok and made your way into the kitchen where Yixing was telling a story about his day to the other boys. When he noticed you, he stopped mid-sentence and yelled your name.

“Finally! I was beginning to worry that you had forgotten.”

“Pft what? Me?” You sarcastically laughed. Yixing leaned his body against yours, handing you his cold beer that was in his hand.

“So like I was saying,” Yixing started his story again. “We were just sitting there and he literally just looks over at the guy and asks ‘do you have a problem? Cause if you do we can doing something about it’ and I didn’t really know how to react.” You wanted to pay attention to the story but found your mind wandering elsewhere. With Yixing’s arm around you, you didn’t really have much room to move about but you could still see your surroundings. “And then he fucking punched the guy!” You whipped your head back to the conversation, trying to puzzle together what they were talking about.

“Fucking hell,” Jongdae cursed.

“He ran off so fast.” You looked to your right to see Chanyeol make his way into the small group, joining the conversation. You felt your heart beat faster as his eyes landed on yours, a small smirk forming on his plump lips.

“Yeol here didn’t give a shit,” Yixing laughed. “I mean, I would be afraid of him too if I came across him.” Chanyeol was a tall, well-built, man. He had tattoo’s up and down his arms, his hair always pushed back with either hair gel or a snapback. He was known for his famous looks and persuasively cunning personality.

“Are you sure he wasn’t running away from that hairstyle?” You pointed at his newly bright pink hair. Chanyeol glared at you before pushing his hair out of his face.

“Shut the hell up,” he glared.

“Birthday boy!” Sehun cheered, entering the room with a beer bong in hand. “Let's get this shit show started!” You unraveled yourself from him letting Sehun take the limelight, placing the bong above his head. Everyone gathered around, cheering him on as he downed three cans of PBR, which was probably the shittest college beer you could get but it was his favorite. You found your way out of the kitchen, finding a quieter place to compose yourself. You still had Yixing’s beer in your hand, taking small sips from it here and there.

“Heard that your roommate moved out.” You looked up to see Chanyeol leaning against the doorframe. “A shame. She was hot.” You rolled your eyes and turned your attention back towards the beer in front of you. Chanyeol sat in the seat right across from you, trying to grab your attention once more. “What do you say we go back to your place?”

“What makes you think I want to take you home, Yeol?” You raised an eyebrow, leaning back in your seat so you got a better view of the boy in front of you. He leaned his torso on his knees, balancing his beer between his index finger and his thumb. The way he smiled in your direction caused those familiar butterflies to form, igniting a fire within you. You couldn’t help but scoff at his stupid remark.

“I didn’t hear a no.” You stood up, placing the beer down on the side table, reaching out and grabbing his hand and leading him outside to his car. Once out of sight, he was quick to press you up against the passenger side. He crashed his lips into yours, reaching his arm around your waist, pulling you closer to him. He pulled away and opened your door behind you, letting you get into the passenger seat.

It was a game he played. He would always try and get you away from everyone, having you to himself. He would sleep with you, stay the night, then leave, hooking up with the next girl that came into sight. There wasn’t anything between the two of you, or at least you thought so. You wanted this to mean nothing. You wanted this to be lowkey. You wanted this to be nothing and to him, it was. But to you, it wasn’t. You felt something for him. Something that felt amazing yet would tear you to pieces in seconds. You tried to distance yourself but he had a way of drawing you back in. And for what it was now, you were okay with it. You liked the feeling of his lips pressed against your skin. You liked how gentle he was with you. But then again, he was probably this way to everyone.

You led him up the stairs, quickly unlocking your door and slamming it shut behind you. Chanyeol didn’t waste time. He picked you up and carried you all the way to your room, closing the door behind him. He laid you down gently on your bed, using his hands to move your shirt up and over your head. He attached his lips to your neck, leaving small love bites down your torso, one hand gently gripping your breast, the other holding your hands above your head.

It was a fun secret that you two had. No one else knew and no one else needed to know.

You liked this because it was fun and it was distracting from your prior relationship that wasn’t the best. You felt different with him. But in the end, he wasn’t the one you could have to yourself and that crushed you. You pushed the thought in the back of your mind as Chanyeol wrapped his arm around your waist, pulling you closer to him.

“Are you coming to the show?” he asked, pressing his lips against your ear.

“I mean, my best friends are performing,” you replied with a ‘duh’ tone.

“Plus we have that new drummer,” he pointed out. “I think his name is Bacon but I don’t know. And I don’t care!” He pressed a kissed against your cheek before hopping out of your bed. He grabbed his underwear that was on the ground, pulling them up over his waist.

“Bacon? Chanyeol, that can’t be right,” you laughed. Chanyeol shrugged, tugging his pants up over his hips. You let out a small pout at his sudden gesture, wishing he would stay just a little bit longer than he had intended.

You turned over, admiring the view in front of you as he tried to dress in the dim lit room. “But I’ll see you after the show right?” He smirked. You rolled your eyes at his remark.

“Gross.” He raised an eyebrow, pulling his shirt on over his bare chest, covering up the hidden tattoos.

“Gross?!” He laughed. He leaned down, leaning inches away from your face. “You weren’t saying that minutes ago when I was fucking the shit out of you.” He leaned in and kissed your swollen lips before pulling away and putting on his jacket. “I’ll see you around baby.” He shot you a wink before leaving you alone in your empty apartment. You leaned back in your bed, looking up at the ceiling, taking in all that had happened.

That was it. That was all you really had to explain your relationship with Chanyeol. There wasn’t much to it other than feeling on fire for a couple of hours while he took control of every inch of your body. His touch always left you wanting more. The question on your mind was always the same.

Did he make others feel this way? What was he feeling? He was a mystery to just about everyone besides his fellow band members, confiding his life with them. You knew he had one hell of a past when he first started his freshman year at college but other than that, you didn’t know much. Every time you were to bring it up, you were either silenced by the other boys or Chanyeol which always ended up in him ignoring you for a week.

But things never stayed that way. He would always find himself, tangled in your bed sheets a week later, making you feel like the only person in his world. The way he would press his lips against yours, leaving small love bites against the exposed skin of your neck. It was those few moments you begged for, that you yearned for, yet they were always cut short. He would leave you there, confused with his perplexed sense of wonder.

You felt alone without him being there, regardless of who he was and his reputation. There would always be this sense of abandonment, laying there as you deepened your body into the comfort of your bed. But that is what he is best at. Not really caring.

#chanyeol #chanyeol fanfic #fanfiction #chanyeol fanficton #exo fanfiction #exo #park chanyeol #namjoonwyd reactions

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inactivedaddymemeyard · 7 years ago

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I Don’t Fucking Care

Kevin and Aaron are Bisexual and in love. Spread the word. This is basically the beginning of Kevaaron with references to past Katelyn/Aaron set to Idfc by Blackbear.

Ao3: here

He is the Kevin Day. He doesn’t get crushes. He is bisexual, but he’d always favored the women over the men while in The Nest. He was too scared all the time to think about his sexuality or anything remotely close to it for the first two years he was out. But now he’s not only out. He’s safe. He is the Kevin Day and he is confused. He keeps finding himself drawn to Aaron. It doesn’t make sense to him at all. Aaron has always been cold to him. And yet Kevin can’t remember a single time during those first two years that he wasn’t around Andrew. Kevin had heard from Nicky years ago that Aaron opened up more when Andrew wasn’t around.

Kevin found himself agreeing with that now that Andrew and Aaron’s deal was over. Kevin had seen Aaron blossom under Katelyn’s affections and had felt jealousy. At first he thought his jealousy was directed at the fact that even Aaron had someone who loved him, but recently Kevin has started to realize that maybe it wasn’t Aaron he was jealous of, but Katelyn. The epiphany had knocked Kevin on his ass. He’d already known that he found Aaron attractive because he’d found Andrew attractive all those years ago when he’d tried to recruit him for the Ravens. As with Andrew, Kevin found the bud of attraction he’d felt squashed by how much he disliked their personalities. Andrew and Aaron were similar in their looks and in their abrasive, shitty personalities. So was Kevin, now that he thought about it.

There was a need in Aaron that Kevin recognized and felt in himself. He’d seen it firsthand. He saw the way Aaron bloomed beneath attention and affection; he saw it every time Wymack praised his play and every time Nicky went out of his way to talk to and care for Aaron specifically. Kevin felt that need resonate in his soul every time Neil patted his shoulder after a good practice and every time Abby said “Kevin, dear”. They’d been starved for too long. They were not broken so thoroughly by their abusers that it destroyed the need for love and affection like Andrew and Neil. They actually loved their abusers. They still need love in some way.

Aaron had found his love with Katelyn only to lose it with anger and callousness that she could not understand or tolerate. Kevin didn’t blame her. Each of the Foxes had something that made it difficult for them to blend in with the untainted masses. He and Aaron just happened to have similar setbacks. Being abused by someone you loved and depended on is not something that is easily overcame. They both had felt the crushing need for someone, anyone to say those three stupid fucking words. They both hated them and needed them.

Maybe that was Kevin’s issue. They were so similar is was impossible not to feel connected.

“Lying to even yourself now.” A quiet voice in his mind mocked him.

That’s exactly what he was doing. He knew it was more than their similarities that kept drawing his eyes to Aaron. He knew it was because Aaron had bloomed with Katelyn and once she was gone he had wilted. Kevin had found himself angry with the other Foxes in those months after their break up. How could no one see how quiet Aaron had become? Kevin rationally knew that he only noticed because he had only be able to enjoy Aaron’s quick wit and dry humor for a short time before he withdrew back to his old self. Kevin mourned the loss and no one else noticed or cared. These past few weeks Kevin kept finding himself gravitating to Aaron when he could see the blonde’s mind wander.

One day at practice Aaron seemed even more withdrawn and shut down so Kevin nudged Nicky and nodded his head to Aaron’s slumped form on the couch. Nicky’s entire body drooped as he took in the sight of his cousin staring at nothing, seemingly dead to the world.

“We passed the Vixens on the way over.” Nicky supplied, his voice full of pity.

Kevin found himself going easy on Aaron for the rest of the day, which had shocked him to his core. When Aaron’s shoulders slumped and his racquet drooped in his hands Kevin called for a break. As the rest of the team made their way to the restrooms and water fountains Aaron didn’t even lift his head to look up from the ground. Kevin ran a hand through his sweat-damp hair before making his way over to the shorter man.

“Neil is being even more of a dick today.” Kevin probed hesitantly.

Talking shit about Neil was always a good way to cheer Aaron up, and one that Kevin enjoyed doing anyways. Today Aaron didn’t give him a devious smirk or call Neil a “fucking twat”, he didn’t say a word. Kevin was growing increasingly worried as he watched Aaron’s hazel eyes slowly lift from the floor to meet his own. When Aaron had finally made eye contact with Kevin he just nodded.

“If you manage to trip him I’ll buy you whatever alcohol you want.” Kevin offered with a small smile.

Aaron’s mouth twitch up minutely before he nodded once again. That was good enough for Kevin, so he turned and started to walk away.

“It’s a deal. You’re doing fine by the way, keep it up.” Kevin threw over his shoulder as he made his way to the water fountain.

He almost missed the surprised blink and slight flush that signaled Aaron had heard and appreciated what Kevin had said.

That was the first time Kevin realized his attraction to Aaron might not be purely physical. He definitely wasn’t ready to think about how much he was attracted to Aaron or for what reasons.

“I can’t wait till we go to Eden’s” Kevin found himself grumbling as he slammed close the biography he’d been blankly staring at for the past hour.

Tell me pretty lies,

Look me in the face,

Tell me that you love me,

Even if it's fake,

'Cause I don't fucking care, at all

Aaron knew Kevin was being nice to him. Aaron wasn’t a fucking baby. He didn’t need Kevin to take care of him. He didn’t need those goddamn green eyes looking at him with that much care in them. He certainly didn’t need Kevin’s fake ass praise. He had played like shit Monday and Kevin giving him that pretty little lie was just pity. It had to be pity. Aaron wasn’t about to let himself think it was anything deeper. Who cares if he couldn’t stop watching Kevin? Not Aaron, that’s for sure. Katelyn had left him because he was an asshole. He knew he had been an asshole to her too many times. He just couldn’t stop the anger that ignited his blood. It coursed through him all the time, the only time it left was when it was replaced with fear. Anger and fear were Aaron’s only true companions. Katelyn was untainted, there was no way she could understand why she both scared him and left him awestruck. No one could truly understand why he lashed out all the time.

He knew why though, had had years and years to mull over why he was always angry. He knew he lashed out at the people around him because he wanted to lash out at his life. At the shitty hand he’d been dealt, at the mother who made it worse, at the brother who should’ve been his salvation but was his damnation, at the cousin he hadn’t even known before he’d tried to change Aaron. Aaron wanted to scream and hit and burn for the past five years. His mom was supposed to love him and yet he beat and neglected him. The drugs were supposed to take him away but most nights they just left him numb but present. And then Andrew had come into his life with promises of protection and had taken away the only person who’d ever loved him. He had put so much hope into having a brother and Andrew had promptly set it all ablaze. Andrew did not love him, could not love him (at least not in the way he needed). Andrew had in his own warped way saved Aaron, but it’d taken Aaron years to understand that. He still struggles with the idea that Andrew does actually care about Aaron, and had protected him. He struggles with letting go of the love he has for his mother. He struggles with the love he receives from Nicky.

He had questioned Nicky’s loyalty and love for a long time before realizing that Nicky was the kind of person that took every person they knew and placed them securely in his heart. Aaron admired Nicky’s willingness to love. Nicky had been neglected and abused the same as Aaron. It might have been with words instead of fists, but it was just as damaging. Aaron knew deep down why Nicky made sure that his family knew he cherished them, it was the same reason as the Foxes other backliner. Nicky was determined to make sure no one knew the cold isolation of friends or family not caring about them. Aaron knew that was why Nicky had shown up, unwilling to let anyone else deal with his father’s neglect, and yet Aaron had been so unwilling to let anyone else in that he had lashed out at Nicky over and over again. He targeted his sexuality because it was the easiest way to get Nicky to back off, and because Aaron had grown up hearing the slurs and insults so they came easily to his lips. Looking back over those first four years he regrets those vile words leaving his mouth. He was not homophobic, had never really been.

He was an asshole, plain and simple. When he was angry he found himself saying anything at all to hurt someone. It was something he had been trying to work on with Betsy for the past couple months. The only one who hadn’t walked away from his anger was Kevin. Kevin with his gorgeous eyes and vicious words had somehow heard the frustration behind his fire. Kevin had also noticed his need for affection, and Aaron would curse him for that if he hadn’t noticed Kevin’s need for it as well.

Aaron knows that he is not bisexual, and certainly not attracted to Kevin. Aaron also knows that Kevin is model worthy. More importantly, Aaron knows that Kevin is a fucking dick. Luckily for Kevin relationships were forbidden at The Nest because he’s probably never realized he’s undateable, not that Aaron has any room to stand on since he too is apparently not dateable. They’re both too callous, too easy to lash out, too easy to anger.

Aaron had never really payed attention to how similar he and Kevin actually were, and now that he has he can’t stop seeing it. He can’t stop thinking about Monday. He can’t stop thinking about those fucking green eyes and Kevin’s hand running those his dark hair when he’s anxious or stressed. He can’t stop thinking about how Kevin always licks his lips before saying something he’s clearly rehearsed in his mind.

Aaron is startled out of his thoughts as the bedroom door opens and Andrew says, “Let’s go.”

Eden’s is packed and Aaron is grateful. He’s going to get as drunk as safely possible and make out with at least one person tonight. He’s been mourning Katelyn for over a month already and he’s tired of being alone and sad.

Aaron, Kevin, and Nicky waited at a chair-less table for Andrew and Neil to return with drinks.

“We should probably try to find two chairs for Andrew and Neil.” Nicky chirped from the other side of Kevin’s broad chest.

Aaron scoffed at the same time Kevin said, “Why would we do that?”

Nicky was still giving them a disappointed look when Andrew and Neil came back with a tray of drinks. Aaron downed his third of the tray quickly and made his way to the bar for more.

“Damn dude don’t hurt yourself.” Roland chastised him as he poured four more shots for Aaron.

Aaron lifted his middle finger and held Roland's eyes as he knocked back each glass, only putting his finger down when he’d finished all of them. Roland gave him the look he seemed to only use on Aaron and his family before turning to serve someone else. Aaron made his way back to the table and was surprised to see Nicky still at the table with his brother and Neil.

“Jesus Aaron how many did you just do? I am so not carrying you and Kevin back into the house tonight!” Nicky whined.

Aaron didn’t care about Nicky’s discomfort. Aaron’s head was starting to swim as his body was starting to heat up. He thought he heard Neil say something about taking care of Aaron. He snorted at that. Neil was so fucking annoying. Kevin would’ve laughed at the thought of Neil “I’m Fine” Josten taking care of anyone, especially Aaron out of all people.

“Where’s Kevin?” Aaron heard his words slur as they left his numb lips.

“Fuck. He’s trashed and we just got here.” Nicky said, whining again.

Aaron hummed before saying, “Shut the up Nicky. Did you lose ‘im?”

Nicky was laughing for some reason and Andrew’s stupid judgmental eyebrow was raised.

“You forgot a word there, friend.” Neil mocked him.

“I am so not your f-friend, you fucking ginger. Someone tell me where my real friend Kevin went.” Aaron demanded, stomping his foot.

Andrew pointed to the dance floor and that was all Aaron needed. Maybe he and Kevin could be each other’s wingman. Aaron made his way to the dance floor content to just dance and if he saw Kevin then he’d ask him to be his wingman and help him get a girl.

He’d been grinding with a brunette with Kevin green eyes when he finally spotted his friend. He pushed the girl away and made his way to Kevin, who was dancing with some short blonde girl. When Aaron tapped his shoulder Kevin jumped.

“Hey, you wan’ dance?” Kevin asked, his head tilted to the side like a cute puppy.

Aaron immediately found himself nodding. Weird. Aaron had something to ask Kevin. Needed his help with something. He forgot everything the second those eyes were on him. He felt himself wetting his lips as he watched Kevin drag a hand through his hair. Aaron let out a small groan as he watched. He was hoping the music was too loud for Kevin to notice, but it evidently was not since Kevin’s eyes dilated and his mouth popped open.

Suddenly Aaron was spun around and Kevin’s hand were firmly attached to his hips. Kevin was swaying to some song by The Weeknd and using his hands to sway Aaron’s stunned hips with him. Aaron’s response was slowed by the alcohol in his system but soon he found himself not just swaying in front of Kevin but actively grinding his ass into him. Aaron was tired of analyzing his feeling for Kevin and he just wanted someone to fucking touch him, so he pushed away his fears and gave himself to the music and Kevin’s strong body. His head flopped back to rest on Kevin’s broad chest as his hips pressed back into Kevin’s. It was like his whole body sighed in that moment that they were finally connected. Kevin hummed, the sound vibrating Aaron’s entire body, and pulled him even closer.

When the song ended Aaron fought the part of him that felt right in Kevin’s embrace and stepped away. Turning around to make eye contact was a huge mistake for his confidence in his sexuality. Kevin looked like a goddamn masterpiece as he panted and searched Aaron’s face for any sign of rejection. Aaron found himself slipping his fingers into the hair at the base of Kevin’s neck and bringing his face down to kiss him.

This didn’t make sense, and Aaron was confused but he honestly didn’t give a single shit as he felt Kevin relax into him.

You've been out all night,

I don't know where you've been,

You're slurring all your words,

Not making any sense,

But I don't fucking care, at all

Kevin found himself starring at Aaron more and more since Friday. He couldn’t stop replaying their dance and kiss. He was nervous about Aaron’s reaction once he was sober so he has been avoiding him since they got back to Palmetto. It’s been one of the hardest things Kevin has had to do in a long time. He cares about Aaron and his feelings so if Friday night was just Aaron being drunk Kevin will accept it and try to move past his crush. Until he knows for sure Kevin has decided to just act like normal. Aaron has a lot more to figure out than Kevin does, so Kevin doesn’t mind not knowing for however long Aaron needs.

'Cause I have hella feelings for you,

I act like I don't fucking care,

Like they ain't even there,

Aaron hadn’t realized kissing someone could feel that good. The kiss turned him on. But Kevin’s kiss also made him feel warm inside, which was the part Aaron finds himself struggling with. He’s never been attracted to another man before. Being gay used to be something he was terrified of. Now that he had been in Palmetto with his family for so long he doesn’t feel that terror. He isn’t afraid of his feelings. He just doesn’t understand why Kevin Day of all people makes his heart race. Aaron has never had a love he can enjoy. He always had to walk on eggshells around Katelyn when he was angry, always careful not to say or do the wrong thing or she’d leave him. He was stupid. She did leave him, and here he is still standing. He might always fear someone he cares about leaving him or not loving him, but now he knows he’ll still be standing after they’re gone. So if he isn’t scared of his feelings, why was his stomach in knots? Aaron cursed himself quietly as he realized he’s terrified of losing Kevin. He knows now he can handle a break up but with Kevin it wouldn’t just be a break up. It’d probably destroy him. He doesn’t know when he came to think of Kevin as more important than anyone else but now that he’s here he doesn’t know if he could handle the heartache.

'Cause I have hella feelings for you,

I act like I don't fucking care,

'Cause I'm so fucking scared

Kevin sent Aaron a text telling him to meet him in the room in half an hour. Kevin was incredibly nervous. He had been shoving down his feelings for two weeks and after making out Friday for the second time he needed an answer. Aaron probably didn’t want all of Kevin’s emotional baggage. That’d explain why he had to have alcohol before he could kiss him in case he needed an excuse. Kevin was just too broken for someone as solid as Aaron.

I'm only a fool for you,

And maybe you're too good for me,

Aaron’s phone lit up as he received a text from Kevin telling him to meet him in the dorm in thirty minutes. Aaron’s heart started racing at the thought of being alone with Kevin. Was he ready to tell Kevin that he was too harsh, too angry for someone who had endured as much as Kevin had? He was surprised to feel a part of himself already mourning the loss. That part of him knew that if he’d let himself have Kevin he’d never let go. He wasn’t good enough for someone like Kevin. Never the less Aaron packed his books into his back pack and set off for the dorm room.

I'm only a fool for you,

But I don't fucking care, at all, oh

Kevin jumped as he heard the door open. He knew Andrew, Neil, and Nicky would be out for the next hour or so at least, so he steeled his spine and turned from the kitchen sink and looked at Aaron, who was frozen in the living room. Kevin didn’t know why Aaron wasn’t making eye contact, it seemed to be a bad sign. Kevin had prepared a speech and he was going to deliver it, damn it. He stepped into the living room, only a few paces from Aaron’s tense form.

“Aaron. I know you aren’t bi, but I need to let you know how I’m feeling. I like you. I could give you a list of all the reasons why, but I’d rather tell you those slowly over years of being together instead of dumping them at your feet and begging you to return my feelings. I know I’m shitty and have too much emotional baggage, but it comes down to this: I like you. I feel like we understand each other better than anyone else and when you kissed me last Friday I was the happiest I’ve been in a long time. I want to feel that all the time. I want you to feel that all the time. I want to show you how amazing I think you are.” Kevin had tried to keep it short and simple but the words bubbled out of him anyways.

Kevin was immediately overwhelmed with embarrassment. Aaron obviously didn’t want to be with Kevin. He was straight. A voice in his head started chanting, “You fucked up” over and over again. Kevin mumbled an apology and started to head to his bedroom. He stepped wide around Aaron’s still frozen body and was almost to the door when he heard a loud bang and turned around to see Aaron rushing to him, his back pack on the ground.

“What are you-“ Kevin was cut off by Aaron pushing him against the wall and yanking his head down to meet Aaron’s waiting mouth.

#aftg #tfc #kevaaron #allforthegamenetwork #kyla writes #aaronminyarddefencenet

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theprattleronline-blog · 7 years ago

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Much Music: February

Pamela Wang

February was a busy month filled with projects and work, on top of four shows! Check out the list of upcoming concerts in March!

Hippo Campus Supporting Act: Sure Sure

Hippo Campus is an indie rock band from St. Paul Minnesota. The group consists of vocalist Jake Luppen, guitarist/vocalist Nathan Stocker, bassist Zach Sutton, and drummer Whistler Allen. The band made their way to Brooklyn Steel on February 10th, supported by California-based band Sure Sure.

Sure Sure is an indie pop band from Los Angeles, California. They have been making music since 2014, and just recently released their first full length, self-titled album on January 12th. Sure Sure’s music was upbeat and fun, and got the crowd ready for Hippo Campus’ set. The last song they played, titled “Hands Up Head Down,” had a dance that accompanied it. Prior to the song the band explained how to do the dance, and it was fun to see the crowd participate.

Hippo Campus played several songs from their more recent album “Landmark,” and EP “warm glow” which came out this past September. Three songs in, Nathan said, “This is already the best night of tour so far,” which was definitely a noteworthy statement since their New York show was sixth to last. The crowd was pumped and did not shy away from dancing and singing along, especially during songs “Little Grace” and “Traveler.” Hippo Campus ended with “Buttercup,” dedicated to Planned Parenthood, who they partnered with during this tour. Fans chanted for a solid two minutes for an encore before the band finally returned to the stage. A much deserving roar from the crowd made the guys smile as they finished up their set with “Violet” from their 2015 EP “South.” They played a fantastic encore performance, accompanied by some crazy strobes and lots of headbanging.

Homeshake Supporting Act: Greatest Champion Alive Check out the feature piece here!

Two Feet Supporting Act: Absofacto

Bill Dess, who goes by the stage name Two Feet, is a singer-songwriter from New York City. His sensual, mellow sound enforces electronic beats with a jazz/blues influence. On February 16th, Two Feet and opener Absofacto performed at the Music Hall of Williamsburg in Brooklyn.

Absofacto is singer-songwriter and producer Jonathan Visger. His bedroom pop/indie sound has a nice balance of organic fluidity and electronic elements. I had never heard Absofacto’s music prior to the show, so hearing him perform live was a pleasant surprise. Listening to his music online afterward was a bit disappointing in comparison to his live show, so I’m glad that I was able to experience the performance before developing assumptions. Although Absofacto is a solo project, his live band was equally as talented and exciting to watch. The female bass player and back up vocalist had a great voice and captivating stage presence. The crowd definitely enjoyed the set, and were jamming along from the very beginning.

Two Feet came on shortly after Absofacto. For a solo artist singing with only a guitar in hand, his performance was rich and full of enjoyable moments, and very passionate. He would get into these amazing guitar solos, kneel on the ground, and strut around the stage with confidence and swagger. Besides playing his popular hits, Two Feet also covered Blackbear’s “idfc” and Bill Wither’s “Ain’t No Sunshine.” In addition, he played a couple of unreleased singles. The show was not only packed with fans of various ages, but also with family and friends. “I can’t believe all you guys came out to see me; it means so much. I have family and friends here, so this is a really exciting night.”

Awolnation Supporting Act: Nothing But Thieves & IRONTOM

Awolnation is an alternative rock band from Los Angeles, California. They began their rise to fame in 2011 with the release of their first album “Megalithic Symphony,” which features one of their most popular singles “Sail.” Currently, the band is on tour to promote their newest album “Here Come the Runts,” with supporting acts IRONTOM and Nothing But Thieves. The band made their way to Terminal 5 on February 22nd.

IRONTOM was an amazing first opener. Lead singer Harry Hayes was lively and exciting to watch. His dance moves and facial expressions were emotive and exuberant, to say the least. The California band formed back in 2012, and have since released two studio albums, “IRONTOM Compilation,” and their more recent album “Partners.” Nothing But Thieves followed IRONTOM’s performance and brought more upbeat alternative rock jams. “We’re not gonna waste any time or talk any bullshit and get through this set…please enjoy yourselves!” Though the band had a limited set time, they managed to get through their set. It was a shame that they had to rush through the songs and the small talk, which always adds to the concert experience. Lead singer Conor Mason did apologize to the crowd after a few songs. “Sorry I’m being so rude and rushing through the set, but thank you New York, we love you and will return to the greatest city in America in September!”

After Nothing But Thieves’ performance, fans in the crowd were chanting for Awolnation. Everyone seemed eager and anxious for their set to start. Once the band walked on stage and began performing, everyone in the venue was up on their feet and moving to the music. “New York, we’ll love you forever, more than you’ll ever know…thank you for being here with us tonight,” said lead singer Aaron Bruno. Awolnation was full of life, and their performance was uplifting. After I had photographed the first couple of songs and returned to the crowd, I was amazed at all the fans and their energy. There was a couple dancing and singing in front of my friend and I, and at one point during the show, they turned around, grabbed our hands and started singing to us. It was extremely fun and unexpected, and it was one of the moments that made the night memorable. Awolnation’s show displayed a raw sense of community. The band ended the set with their hit single “Sail,” and before the last verse of the song Bruno motioned his hands outward towards the crowd and said loudly into the mic, “We are all Awolnation!” As a fan of their music, the night did not disappoint, and hearing their new album live was a nice treat to end the busy week.

Here are some upcoming shows for March in New York:

3/8 - Ella Vos @ The Bowery Ballroom

3/9 - Ella Vos @ Rough Trade

3/15 - The Hunna @ Mercury Lounge

3/15 - Moose Blood @ Irving Plaza

3/16 - Demi Lovato @ Barclays Center

3/18 - Charli XCX @ Elsewhere Hall

3/20 - G-Eazy @ Radio City Music Hall

3/21 - Demi Lovato @ Prudential Center

3/22 - Coast Modern @ The Bowery Ballroom

3/23 - Billie Eilish @ The Bowery Ballroom

3/23 - Loose Buttons @ Alphaville

3/24 - MGMT @ Kings Theater

3/25 - MGMT @ Brooklyn Steel

3/26 - MGMT @ Brooklyn Steel

3/26 - Billie Eilish @ The Bowery Ballroom

3/27 - New Politics @ Irving Plaza

3/29 - Covey @ Pianos

3/29 - Vinyl Theater @ Baby’s All Right

3/30 - Goody Grace @ Baby’s All Right

Photography by Pamela Wang

#views

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rvder-cle-blog · 7 years ago

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I’ve allowed a lot of bullshit that’s going on in my professional life to trickle into other areas of my life, unknowingly, and I’m done bringing the stress home.

I’m good at what I do, and I like the industry in which I am part of. For the most part I enjoy the company of those that I work with. I’ve never been one to let anyone really bring me down, but such has not been the case over the past few months, and I’m done allowing it, because I’ve learned something important. What you allow will continue, and not only will it continue, but it will grow.

I’m not ok with that! Haha like. At ALL.

I’m Billy fucking Rader and this Depression does not suit me as well as I’ve tried to deceive myself into thinking. So I’m going to just take a hint from one of my favorite bands and see if possibly the remedy is a dose of apathy. (Thanks Relient K👌🏻)

Since when did I ever really give a fuck about what someone thinks about me in the workplace? I’ve not been my goofy, outspoken and intuitive self lately, and I’ve found the source.

I won’t divulge on that, but what I can and will say is that regardless of the outcome from what is about to happen this week, I’m going to redirect myself back on the course of walking out of my side door everyday with a shit eatin’ grin on my face and all of the hope of the world in my heart. Life’s too short not to.

I don’t give a fuck about the pettiness of my coworkers or superiors anymore. That’s not what O signed up for, so I’m going to keep showing up everyday, but I’m going to make sure that it is well known that my cut-off & fall-back game is strong as fuck. The half of me is all about apathy, and the other half? Just doesn’t care. (Ok I’m done quoting RK now lol)

I had a very enlightening conversation with my grandmother today on my way in to the anxiety farm.

She told me that no matter what’s going on, regardless if my boss is being nice or a dick, and regardless of what’s really going on in my head and heart; to wear my smile every day.

Apparently, according to her I have a “smile that says love”. I wasn’t too sure exactly what that meant at the time, though it was uplifting to hear. But I think I get it now.

I had a shit night lol. I was supposed to leave at 11:30, and was then informed that if I were to leave early that there would be appropriate reprimand to follow, even though my leaving early on the night prior to my monthly doctor’s visit would be excused and given to me, as a gesture of the company in support of what is going on. But that was denied of me. So I made up my mind. I was going to finish the project I had started on before lunch and bounce at 12:30 regardless of whatever was thought to be going to happen in response to my leaving early. I was slowly beginning to see that I had bitten off more than I could chew, and by the polite and humble request by the VP of the company, I had agreed to stay until the set up was complete.

Yeah. That didn’t happen. Having to wonder aimlessly around the entire compound in search of various oddities began to add up and before I knew it, it was fuckin’ midnight and the mountain started to seem steeper and steeper by the moment. Tired as fuck, exhausted both physically & mentally, I started to feel the weight of the day buckling my bones worse than I have in a very long time. I was getting closer and closer though and I could almost see the end and the door by at least 1:30am. Until it all came together to tear me down. Literally. I had a few more adjustments to make to be just about ready for production, when It happened. lol

I’m walking down the one step steel platform to go to the backside of the press when i slipped and fell and busted my ass pretty hard on not only the platform and the step, but the ground as well, and ended up with what i would compare to be the steel surface equivalent to rug burn. Like road rash.

That’s when I just started laughing. I took care of the injury and got back out to the floor and just laughed. Full of overtired angst bursting at the seams in the form of laughter. But then the ever-present, painful weight that had rested on my chest for the past month or so; had completely disappeared. As if it had never made me its home in the first place.

And that’s when I understood what my grandmother was talking about, because when I was laughing i was surrounded by some decent folks who had all seemed really down lately, and they all laughed with (or at idk. Idfc lmfao) me and I saw happiness on their faces for the first time in weeks, and it struck me hard. Like I felt it permeate my skin and into my spine, physically. I’ve wasted a lot of time in my life being depressed, down, or just fucking sad about so many things that seriously didn’t even matter in the long run. People that left as quickly as they came, situations that didn’t play out in my selfish favor, and a potpourri of other complaints. At the end of the day, it wasn’t worth the overindulgence of negative emotion that I invested. I’ll take the good with the bad and learn what I can in my valleys, but I think I may finally have the beginning of understanding. Understanding what it means to have some joy, even when it’s pouring. Eventually the clouds part, and the earth is saturated with the seeds of something new, the seeds of growth, and self-acceptance.

I get it. And I think it’s time that I take some charge over my own emotional capacity for once and stop letting everything break me into a million pieces. It gets old after a while, and it’s not worth it. I’m stronger than that, and I’m stronger than I’ve ever given myself credit for.

I’m curious to see what is staged next for me. Because I’ve got a nice new arsenal of moral fiber and principle to approach things with.

Rader out. ✌🏻

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noorarora1 · 7 years ago

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News digest: IDFC Bank-Capital First merger, SC crisis, World Bank and more

IDFC Bank to merge with Capital First, Vaidyanathan to succeed Lall

India’s newest scheduled commercial lender IDFC Bank and Warburg Pincus-backed Capital First on Saturday agreed to merge in an all-share deal. V Vaidyanathan, chairman of the non-banking finance company, would become the MD and CEO of the merged entity, succeeding Rajiv Lall. (Full report)

Managing the SC crisis: Bar Council forms team; Congress takes on Modi

The Bar Council of India has set up a seven-member team in an attempt to resolve the differences between the four dissenting Supreme Court judges and Chief Justice of India (CJI) Dipak Misra. The team is expected to start its deliberations with all judges, except the top five, immediately.

The Supreme Court Bar Association also passed a resolution on Saturday that the rift should be considered by a full bench of the apex court. It also said that the CJI or senior judges should look at all public interest litigations.

Rising corporate bond yields may send India Inc to banks for loans

With bond yields rising, it seems companies may find it more profitable to go back to banks for loans, rather than coming to the bond market. This will partially break the emerging trend of ‘disintermediation’, or companies diversifying away from bank credit to other sources of funds, which started about two years back as banks refused to lower their lending rates, while the fixed income market incorporated every cut done by the central bank. (Read more)

How World Bank unfairly influenced its own competitiveness rankings

The World Bank repeatedly changed the methodology of one of its flagship economic reports over several years in ways it now says were unfair and misleading. The World Bank’s chief economist, Paul Romer, told The Wall Street Journal on Friday he would correct and recalculate national rankings of business competitiveness in the report called “Doing Business” going back at least four years.

#india #breaking news #latest news #news #business standard #national news

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mxnynghi · 7 years ago

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Idfc

Hi guys!! This will be a series that I will do in my Tumblr account (new). What I'm gonna do is post the chapters here for some exposure for my story. Please feel free to support me by reading the story in wattpad.

Please note that I will not post the full length of chapters here. Thank you

The girl danced with so much passion and confidence that she would turn heads just by waiting for the song to start.

All eyes on the dance room watched as she glided across the room. Entrancing those that watch. All secretly praising her, her talent to create such a form of art. All the while taking in every features of her face and every curve of her body.

No one knows what was hidden behind those eyes. Those eyes that had seen so much pain and had cried so many tears.

Everyone praises her for her body. The body of a model. Tall, lean and skinny. But nobody knows how she had overcome the consequence of crossing the limitations of her body to look like that.

She was the girl whom nobody ever cared enough to look carefully. She was the girl that had her guard up not letting anyone in.

But how come she had let someone..

Someone who could possibly break her apart and cause more damage in her life.

Maybe it was the fact that they understood each other.

Or maybe it was the fact that they depend on each other.

Whatever the reason was, they needed each other.

#kpop fanfiction #bts #wattpad #quotev

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lyricfa24 · 7 years ago

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Blackbear – Bright Pink Tims Lyrics

Bright Pink Tims by Blackbear Feat. Cam’ron Released : 2017 Full Lyrics will be available soon. check back later or you can send us the lyrics using form below. ○ Listen to “Blackbear” Songs ● “Idfc ” [ Quotable ] ‘Cause I don’t fucking care at all You been out all night I don’t know where you been You slurring all your words Not…

View On WordPress

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digitaltalkindia-blog · 8 years ago

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New Post has been published on Digital Talk

New Post has been published on https://goo.gl/Zk3Hcd

Now, Upload Pan Card Scan Copy and Link with Aadhaar

Individuals struggling to link their Permanent Account Number with Aadhaar because of differently spelt names can now simply upload a scanned copy of PAN to get the work done.

Besides, the tax department is planning to introduce an option on the e-filing portal through which taxpayers can choose to link the Aadhaar without changing the name by opting for a One-Time Password (OTP), provided that the year of birth of the person matches in both documents.

.ua2a220733f412f93046477337365b222 padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; .ua2a220733f412f93046477337365b222:active, .ua2a220733f412f93046477337365b222:hover opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; .ua2a220733f412f93046477337365b222 transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; .ua2a220733f412f93046477337365b222 .ctaText font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; .ua2a220733f412f93046477337365b222 .postTitle color:#16A085; text-decoration: underline!important; font-size: 16px; .ua2a220733f412f93046477337365b222:hover .postTitle text-decoration: underline!important;

ALSO READ देश का पहला आधार बेस्ड IDFC Aadhaar Pay App लॉन्च, आधार नंबर और फिंगरप्रिंट से होगी पेमेंट

With the linking of PAN with Aadhaar being made mandatory, individuals can log on to e-filing website of the income tax department or NSDL but the seeding cannot happen if the name is differently spelt in the two cards – like use of full name in PAN and initials in Aadhaar.

In such cases, government has allowed a simple uploading of a scanned copy of PAN on the Aadhaar website.

.u776e9f5478194fbfec5f8a2480d1b47c padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -moz-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -o-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); -webkit-box-shadow: 0 1px 2px rgba(0, 0, 0, 0.17); text-decoration:none; .u776e9f5478194fbfec5f8a2480d1b47c:active, .u776e9f5478194fbfec5f8a2480d1b47c:hover opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; .u776e9f5478194fbfec5f8a2480d1b47c transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; .u776e9f5478194fbfec5f8a2480d1b47c .ctaText font-weight:bold; color:inherit; text-decoration:none; font-size: 16px; .u776e9f5478194fbfec5f8a2480d1b47c .postTitle color:#16A085; text-decoration: underline!important; font-size: 16px; .u776e9f5478194fbfec5f8a2480d1b47c:hover .postTitle text-decoration: underline!important;

ALSO READ ट्रेन टिकट बुक कराने के लिए Aadhaar होगा जरूरी

The tax department will start educating taxpayers from this week through media outreach on ways to link the PAN with Aadhaar, an official told PTI.

Finance Minister Arun Jaitley had through amendment to tax proposals in the Finance Bill of the Budget for 2017-18, had made Aadhaar mandatory for filing income tax returns and provided for linking of PAN with Aadhaar to curb tax evasion through use of multiple PAN cards.

The e-filing portal has already activated a functionality of linking PAN with Aadhaar. Over 1.08 crore assessees have already Aadhaar-linked PAN but the number is abysmally low as there are over 25 crore PAN card holders in the country, while Aadhaar has been issued to 111 crore people.

As per statistics with the tax department, only 6 crore people file income tax returns at present.

The official said that linking of PAN with Aadhaar should not be cumbersome for people whose registered mobile number with the Unique Identification Authority of India (UIDAI) is active.

“In case the taxpayer is unable to link PAN with Aadhaar because of discrepancy in name, we are advising them to log in to the Aadhaar website, request for a name change and upload a scanned copy of PAN card as supported proof. This is the simplest way to update name in Aadhaar and only the registered mobile number has to be functional,” the official said.

This option will hold good for people who have given short forms of their name or in some cases there are some spelling errors in the name provided in Aadhaar card.

However, in certain cases, there are people who have got married and changed their surname and updated the same while getting Aadhaar number, but it does not get reflected in PAN documents.

In such and other name change cases, the tax department is planning to give the OTP option wherein the password would be sent to the Aadhaar-registered mobile number and the tax department, on its part, would match the year of birth of the taxpayer with the Aadhaar database.

“We are also contemplating that when taxpayers with name discrepancy logs into the e-filing website for linkage, we will send OTP to the Aadhaar registered mobile number. The taxpayer can link PAN using the OTP. While generating the OTP, we will just check if the year of birth of the taxpayer in PAN card matches with the year given in the Aadhaar document,” the official added.

PTI

#aadhaar #Aadhaar_linked_PAN #India #internet #pan

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universeinform-blog · 8 years ago

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COMMENT- Is Bharat Financial a cInclusion for IndusInd

New Post has been published on https://universeinform.com/2017/03/13/comment-is-bharat-financial-a-cinclusion-for-indusind/

COMMENT- Is Bharat Financial a cInclusion for IndusInd

The media has been abuzz with the rumors of IndusInd Bank (IIB) and Bharat Financial Inclusion (BHAF) coming together. This isn’t the first marriage in the space. In the past, IDFC Bank had acquired Tamil Nadu-based Grama Vidiyal Microfinance and Kotak Bank had acquired BSS Microfinance. So there are clearly merits of acquiring a Micro Finance Institution (MFI) for a

Bank.bharatmatrimony

IIB already has a Business Correspondent arrangement with Bharat Financial. With a tiny loan book of Rs 3000 crore under MFI (2.9 percent of loan book), the ambition to scale up this high-yielding book is understandable. That the Return on Assets (ROA) on the MFI business is much higher than banking stands to boost the return ratios of the bank. The acquisition gives IIB access to priority sector lending (PSL) assets

And the bank can earn fees by selling PSL Certificates. The access to the largely non-urban pan-India network of 1,252 branches opens up significant cross-selling opportunities. Finally

MFI assets are classified under retail attracting a lower risk weight of 75 percent compared to lending to Non-Banking Finance Companies where the risk weight is 100 percent, thereby boosting the Capital Adequacy Ratio (CAR).But rarely is a marriage an unmixed blessing. The increase in

The access to the largely non-urban pan-India network of 1,252 branches opens up significant cross-selling opportunities. Finally, MFI assets are classified under retail attracting a lower risk weight of 75 percent compared to lending to Non-Banking Finance Companies where the risk weight is 100 percent, thereby boosting the Capital Adequacy Ratio (CAR).But rarely is a marriage an unmixed blessing. The increase in

But rarely is a marriage an unmixed blessing. The increase in the share of MFI book from 3 percent to 10 percent will change the risk perception of the retail book for IIB as this piece is unsecured lending and the risk of a credit event is much higher. Though Bharat Financial follows a conservative 60-days overdue NPL (NonPerforming Loan) recognition norm compared to 90-days overdue for most banks, collection efficiency number remains a key monitorable for the company.

Recently, BHAF intimated the market that its collection efficiency remains significantly below pre-demonetisation levels, especially in the states of Uttar Pradesh and Maharashtra. Recently RBI, in line with Income Tax regulations, has prescribed a limit of Rs 20,000 for loan disbursements or repayments in cash. While this is initially applicable for gold loan disbursement, we reckon that it will eventually apply to all categories of NBFC. So the road ahead has speed breakers for BHAF and scaling up the business without compromising on earnings quality may not be easy.

While this is initially applicable for gold loan disbursement, we reckon that it will eventually apply to all categories of NBFC. So the road ahead has speed breakers for BHAF and scaling up the business without compromising on earnings quality may not be easy. Hence, a marriage proposal makes immense sense. It reduces political risk, gives its customers access to bank accounts and also reduces the cost of funds. Incidentally, BHAF had earlier applied for a Small Finance Bank license that didn’t sail through.

International convention on Idea of Bharat inaugurated

The synergy and dynamism of these institutions need to channelise the exploration of thousands of years of our journey as a civilization and people,” the verbal exchange quoted Mukherjee as saying. “Deep insights might be received into the Idea of statecraft, governance, person-society family members, structures, purposes and method of education, natural relationships with nature, andbharat forge india

Natural relationships with nature, and the correlation between religious and material lifestyles,” he stated. He introduced that Bharat has constantly been recognized “because the storehouse of expertise and discovery – knowledge which liberates, and discovery which fathoms the deepest mind of humanity and co-lifestyles. because the origin and repository of philosophical and nonsecular values,

Rivers of know-how flow thru the collective recognition of our excellent human beings”. Quoting American creator Mark Twain, the President stated: “India is the cradle of the human race, the birthplace of human speech, the mother of records, the grandmother of legend, and the remarkable grandmother of subculture.

Our most treasured and most instructive materials within the records of man are valuable up in India only.” Calling the quote certainly real, Mukherjee stated: “India is a land of exceptional traditions, records, and discoveries. Its human beings have lived on this terrific civilization giving upward thrust to a unique trait of oneness overcoming the apparent contradictions, thriving on a composite lifestyle and but alive to the identities of its sub-components.”

Noting that India is a land of big variety, he said: “but all its people are residing below one device, one flag, and one Constitution. Everybody are proud to be Indians and we have a good time this range.” He was hoping that the deliberations at the convention could improve perceptions concerning the united states.

Management and Monetary Accounting

Accounting is typically seen as having distinct strands, Control, and Financial accounting. Management accounting, which seeks to meet the needs of managers and Financial accounting, which seeks to fulfill the accounting wishes of all of the different users. The differences between the two sorts of accounting mirror the distinct person businesses that they address. Briefly, the predominant variations are as follows:

Nature of the reports produced. Monetary accounting reports have a tendency to be the wellknown motive. That is, they contain Financial statistics a good way to be beneficial for a large variety of users and selections as opposed to being particularly designed for the wishes of a selected group or set of selections. Control accounting reviews, alternatively, are regularly for a specific cause. They’re designed either with a particular selection in mind or for a selected manager.

The degree of detail. Monetary reports offer customers with a huge overview of the performance and role of the enterprise for a period. As a result, records is aggregated and detail is regularly misplaced. Management accounting reports, but, often provide managers with a full-size element to assist them with a selected operational selection.

Policies. Financial reports, for lots groups, are a challenge to accounting Guidelines that attempt to ensure They’re produced with fashionable content material and in a trendy format. Law and accounting rule-setters impose these Rules.

In view that Management accounting reviews are for inner use only, there are no Regulations from outside resources regarding the form and content material of the reports. They may be designed to fulfill the needs of precise managers.

Reporting c programming language. For most organizations, Financial accounting reviews are produced on an annual basis, although many large companies produce 1/2-yearly reviews and some produce quarterly ones. Management accounting reports can be produced as regularly as required with the aid of managers. In many businesses,

Managers are furnished with positive reviews on a month-to-month, weekly or maybe day by day foundation, which allows them to test progress regularly. Further, special-cause reports may be organized while required (as an example, to evaluate an offer to purchase a chunk of equipment).

Time horizon. Monetary reviews reflect the performance and role of the commercial enterprise for the beyond length. In essence, They’re backward looking. Management accounting reports, on the other hand, frequently provide facts regarding future overall performance in addition to beyond performance. It’s miles an oversimplification, however, to indicate that Financial accounting reports never comprise expectations regarding the destiny. Occasionally, companies will release projected statistics to other customers in an try to boost capital or to fight off undesirable takeover bids.

It’s miles an oversimplification, however, to indicate that Financial accounting reports never comprise expectations regarding the destiny. Occasionally, companies will release projected statistics to other customers in an try to boost capital or to fight off undesirable takeover bids.

Range and satisfactory of facts. Monetary accounting reviews focus on statistics that may be quantified in financial phrases. Management accounting also produces such reviews, however, is likewise much more likely to provide reviews that include statistics of a non-Economic nature inclusive of measures of physical portions of inventories (stocks) and output

.Economic accounting locations extra emphasis on the usage of goal, verifiable proof when preparing reviews. Management accounting reports might also use records This is less goal and verifiable, however, they provide managers with the statistics they need. We can see from this that Control accounting is much less limited than Monetary accounting. It is able to draw on a ramification of resources and use information that has various levels of reliability. The most effective actual take a look at to be carried out when assessing the fee of the statistics produced for managers is whether or not or now not it improves the satisfactory of the choices made.

IndusInd Bank plans to release general insurance arm

“We are evaluating putting in a popular coverage organization,” said a senior govt with IndusInd Bank. “It is in the preliminary degrees and the board has not but handed an offer to installation a widespread insurance agency.”indusind bank customer care

IndusInd Bank did now not reply to an e-mail seeking a response on the identical.

The coverage commercial enterprise is producing a bulk of fee income for banks. The insurance regulator allows a Bank to promote coverage guidelines of 3 existence insurance, three popular and three.indusind bank wiki

Additionally, the general coverage industry is pretty much less cash intensive than the existence coverage enterprise. Agencies in this zone turn worthwhile in five to seven years.

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