#Investing/Securities

[icewindandboringhorror]

(also feel free in the tags to clarify Why you made the choice you made!! :0c)

[reportwire]

S&P 500 scores best day in 3 weeks as bond yields ease back

U.S. stocks finished higher on Wednesday as yields on long government bonds retreated from 16-year highs, helping lift the S&P 500 to its best day in three weeks. The Dow Jones Industrial Index SPX, +0.81% gained about 125 points, or 0.4%, ending near 33,128, according to preliminary FactSet data. The boost, however, failed to push the blue-chip index back into the green for the year, a day after…

[libord]

Mutual Fund Terms You Must Know before Investing

The difference between absolute returns and annualized returns in mutual funds is as follows:

Absolute returns: This refers to the total return earned from an investment, without considering the investment period or comparing it to a benchmark. It is calculated by subtracting the purchase price from the selling price, dividing it by the purchase price, and multiplying by 100.

Annualized returns: This is the amount of money your investment has earned on a per-year basis, considering the investment period. It is often referred to as the compounded annual growth rate (CAGR). It is calculated by using the absolute rate of return and the investment time horizon.

When to use them:

Absolute returns are useful when the investment time horizon is less than one year, such as calculating returns for a few months or up to one year.

Annualized returns are more appropriate when the investment time horizon is more than one year, such as calculating returns for multiple years.

Using them for comparison:

Annualized returns are commonly used for comparing mutual fund returns, especially against benchmark indices. This helps determine if a fund has outperformed or underperformed the benchmark.

Long-term financial goals:

When investing for long-term goals, such as education or retirement, it is advisable to use annualized returns. This allows you to assess how your investment is growing each year and compare it to your expected rate of return. If the actual returns are not meeting your expectations, you can adjust as needed.

In summary, absolute returns provide a straightforward measure of return for shorter time periods, while annualized returns factor in the investment duration and are more suitable for long-term goals and comparisons.

When considering a short-term exit from a mutual fund, the following factors should be taken into consideration:

Performance: Evaluate the recent performance of the fund. If it has been consistently underperforming or experiencing significant losses, it may be a signal to exit.

Market Conditions: Consider the current market conditions and any potential risks or uncertainties. If there are indications of an economic downturn or adverse market events that could impact the fund negatively, exiting may be a prudent choice.

Fund Manager: Assess the competence and track record of the fund manager. If there have been recent changes in management or concerns about the manager's decision-making, it might be a reason to exit.

Investment Objective: Review whether the fund's investment objective still aligns with your short-term goals. If your investment needs have changed or the fund is no longer suitable for your objectives, it may be time to exit.

Liquidity Needs: Determine if you have an immediate need for the invested funds. If you require the money for a specific short-term expense or emergency, exiting the fund could be necessary.

Fees and Expenses: Evaluate the fund's fees and expenses. High costs can erode short-term returns, especially if the fund's performance is not strong enough to compensate.

Alternative Investments: Explore other investment options that may provide better short-term returns or align more closely with your current objectives. Compare the potential risks and rewards before deciding to exit the mutual fund.

Tax Implications: Consider any potential tax consequences associated with exiting the mutual fund. Short-term capital gains are typically taxed at higher rates than long-term gains. Consult a tax advisor to understand the tax implications specific to your situation.

Risk Tolerance: Assess your risk tolerance, particularly in the short term. If you find that the fund's risk level is higher than what you are comfortable with, exiting may be a suitable option.

As always, it's advisable to consult with a financial advisor or professional who can provide personalized guidance based on your specific circumstances and goals.

The difference between the debt market and equity market in layman's terms:

Debt Market: Imagine you lend money to your friend with an agreement that they will pay you back in a fixed time period with some extra money called interest. In the debt market, companies and governments borrow money from investors by selling them IOUs, like bonds. Investors become lenders and receive regular interest payments until the borrowed amount is repaid. It's like loaning money and receiving interest in return.

Equity Market: Imagine you buy a small part of a company. You become a partial owner and get a share of the company's profits. In the equity market, companies sell shares of ownership, called stocks, to investors. Investors who own stocks have the potential to earn money through dividends (a share of the company's profits) and by selling their shares if the stock price increases. It's like becoming a business partner and benefiting from the company's success.

In summary, the debt market involves lending money and receiving interest payments, while the equity market involves buying ownership in a company and potentially earning profits through dividends and selling shares.

For long-term holders considering an exit from a mutual fund in a very short period, the following parameters can be helpful:

Fund Performance: Assess the fund's recent performance. Look for any significant declines or consistent underperformance compared to its benchmark or peer group. If the fund's performance has deteriorated significantly, it might be a red flag to exit.

Fund Manager Changes: Monitor if there have been recent changes in the fund management team. A sudden departure of a skilled and experienced fund manager could impact the fund's future performance. If you have concerns about the new management or lack of continuity, it may be a reason to consider an exit.

Market Conditions: Consider the current market environment. If there are signs of a potential downturn or if you believe the market is overvalued, it might be prudent to exit the mutual fund and reallocate your investments to more defensive or opportunistic assets.

Fund Expenses: Evaluate the fees and expenses associated with the mutual fund. High expenses can eat into your returns over time, especially for short-term investors. If you find that the fund charges excessive fees or if there are better alternatives available with lower costs, it could be a factor to consider for exiting the fund.

Changes in Risk Profile: Assess if the fund's risk profile has changed significantly. If the fund has started taking on more risk or investing in assets outside your risk tolerance, it may be a reason to reevaluate your investment and potentially exit the fund.

Remember, before making any investment decisions, it's always advisable to consult with a financial advisor who can provide personalized guidance based on your specific situation and goals.

[dankovskaya]

Why did he fucking do that 😍

[sketchysquiggle]

Everybody's Glamrock Bonnie design when the canon one dropped:

I've realized three days into making this that it's probably funnier in my head but it's too late now.

[onlytiktoks]

[ladybugsimblr]

The Nanny and the Bodyguard walk into Harvestfest dinner...

Jason❤️Jordyn Finally! Thanks to @storiesbyjes2g for asking about these two which prompted me to take a peek into their secret personal lives. There was always a little something lingering between Jordyn and Jason but they kept it professional until recently. More than a few flirty glances, texts, late night convos and very private off duty dates later and here we are. Truly love this for them. Nosey ass Bailey loves it too. Adding another relationship to her matchmaking resume.

[spittyfishy]

It’s so unfortunate that there wasn’t a Next Gen Mirror Universe episode, but I think if there was it would have made sense for Lore to have taken Data’s place since all of Lore’s negative attributes would have been praised in the Terran Empire so Dr Soong wouldn’t have had a reason to deactivate him.

I’ve been trying to practice drawing Data (and by extent Lore) so I thought I’d try and do up a design for fun!

Here’s the text written out just in case my hand writing is too hard to read:

*One of the Empires most ruthless

*Like zero regard for organic life

*This does include the rest of the crew to a slightly lesser extent

*If he were to say he was ‘fond’ of any of them it would be Riker and Le Forge

*Constantly exchanging micro aggressions back and forth with Riker, he rest of the crew wouldn’t dare say anything like that to his face

*Doesn’t even need the agonizer he’d just shatter their bones with his bare hands

*Why yes he absolutely would love to take over the Empire, thank you for asking!

[talaricula]

my favourite activity is telling adults to Get The HPV Vaccine (Gardasil) Now Yes It's Still Useful

many of us were told as teenagers or young adults that you needed to get it before you became sexually active for it to be effective, but that's nonsense and weird cultural slutshaming.

the vaccine protects against 4 HPV strains, and it is very unlikely that you already have all four of them. each of those strains can cause cancer. even if you already had three strains it would still offer you protection against one cancer-causing viral strain. if you can financially afford it, there's no reason not to do it. it's a vaccine against cancer. that's nothing short of miraculous, and people who tell you it's too late to get it are relying on incorrect information, unless they have tested you for all strains and can prove you have them all.

obv get it if you have a cervix, but also get it if you don't! for two reasons:

These HPV strains also cause throat cancer when transmitted through oral sex, as well as anal and penile cancers

By vaccinating yourself you protect your sexual partners (regardless of whether or not they have a cervix) against getting HPV from you and thus against getting the associated cancers

[spookitordukeit]

Okay okay, so I've been thinking more on this post, and I've got more ideas!!

I think that the Freddy Fazbear brand would've been forced to shut down not long after the events of Security Breach, whether from the horrible publicity, or lack of funds, I'm not sure.

Faz Co would have definitely had to lay low for a while. Collect what assets they could, scrounge up what ever money they had left, and hide in the shadows for a bit. long enough for people to forget about what happened, or at least, mostly forget. A couple generations, at least.

Not that they just spent all that time twiddling their thumbs, no no. Faz Co got to work.

They got their hands into any AI or robot manufacturer brand they could, starting from shares and working their way up. Quietly buying out any and all big brands.

They save a hell of a lot of money by not having any physical establishments open, especially now that they aren’t having to constantly pay out lawsuits.

It gives them the time and the resources to grow, and this time? They’re going big. Bigger then ever before.

As for time period, I’m thinking far futuristic. Space travel and sentient AI, starships and space stations.

And Zaff Co, is located in the biggest hotspot in the Milky Way, not too far from earth. Not only that, but Zaff Co is also the biggest and most successful high-tech supergiant in the galaxy. They have their hands in everything from AI to housing to travel to food. You can’t go anywhere without seeing Zaff Co on the label.

Where the story takes place is in their central space station, smack dab in the center of the Milky Way. Zaff Co Megastation

It’s the size of a small planet, and has everything from housing hubs to super markets. And of course, their main money maker, Zaff Co Entertainment Center. The one and only.

Being the only establishment like it, it draws a lot of attention. People come far and wide to interact with their one of a kind, specialized animatronics and attractions. Its not that they can only afford to have one megacenter, oh no, it's tactical. Having only one makes people more willing to spend, spend, spend.

Its like Disney on steroids. Except Zaff co owns the flyways, the fueling stations, the housing hubs, the stores, restaurants, parks- almost everything is owned by Zaff co. They profit from everything.

They're in control of the flow of currency, Zaff coins. And of course, those who control the money, control the flow of information. They are number one, the top dogs, and they won't fall from grace again.

They spent decades erasing every bit of their history, forming themselves into a new brand. Freddy Fazbears no longer exists, never did. Any older Faz coins are misprints! Bring them in an receive free admission for life! As long as you sign these papers and never tell a soul :)

Okay- now for the animatronics! I've babbled about the company long enough.

First off, I love @loreleilarai's idea of Freddy being based of of Ursa Major! Absolute genius! And to expand on that, Helpy could be based off of Ursa Minor. The both of them would have a color scheme close to/a mix of glamrock Freddy, or funtime Freddy. Bright colors, whites, and bold markings. (also love the shooting stars bit)

Bonnie would, of course, be based off of the lunar rabbit/jade rabbit. Either white, light green, or a mix of both. Obviously with his signature red eyes. Maybe with a crescent moon motif???

I'm not sure what Chica would look like- all I can find on chickens and space is the running chicken nebula?? I love glamrock Chica, so her design would be largely based off of her I think? But more reds, pinks, and a pop of blue.

I'm also not sure if Foxy, Roxy, or Monty would be in this au, as I'm not sure what to do with their designs.

I do, however, have an Idea for DJMM. He'd be a galaxy spider, and the keeper of the 'cosmic web'. A large animatronic connected to all of the severs of the Megastation, watching over everything from bugs, maintenance, and repairs. He'd be less sentient then the other animatronics, functioning as a large scale antivirus/firewall and repair super computer. At least for now.

And of course there's Sun and Moon, the stars, of the show. I think they'd be largely unchanged, as they weren't very prevalent in their previous locations, other then a few complaints about Moon. It's easy for them to take the spotlight, especially once the two are separated into different bodies.

They have a myriad of jobs. Including security, where they combine and roam as Eclipse. Do I know what any of those jobs are yet? No- but gimme some slack, this AU is only three days old o(TヘTo)

I also have thoughts about making a few new animatronics, based off planets. Pluto, Mars, Venus, Earth, Neptune, Saturn, Mercury, Jupiter and Uranus. But I'm nut sure what purpose they would serve? and then maybe it'd be too cluttered with characters- Unless I use the original gang? As an example, Freddy as Saturn, Bonnie as Neptune, Foxy as Mars... ect.

I don't know, Its still a new AU concept and I've rambled long enough for now! lemme know if you have any thoughts or suggestions!! ^^

[cardinalbiggles]

[hotnewsflash]

@cnnpolitics @msn @msnbc @yahoonews @google @cspan #msn #cnn #cbs #abc #foxnews #wsj

Hot News Flash #voters upset #elonmusk, for praying on #seniors as he continues to troll the internet. Is #musk destroying #america?

[getouyuri]

oyabun sukuna goes from snorting lines off of strippers and fucking escorts that he’d bring with him to events -> to raging at the tv when otaku!reader beats his ass in super smash bros again in the comfort of the living room at the sukuna estate

and he’s just like what the fuck. you’ve domesticated me 😐🐯

[mechaseraph]

Dekaranger is a funny show (I'm currently watching ep19. Which all could be avoided had the have security cameras at their prison cell)

[gainercryptocom]

Caw Crypto Price Prediction: Unveiling Future Market Trends

[jay-catsby]

$6,000 would fix me