#Pension Certificates

[townpostin]

321 Pension Approval Certificates Distributed in Jamshedpur

Senior Citizen Pension Certificates Distributed at Baridih Assembly Office Under the directives of Jamshedpur East MLA Saryu Roy, 321 approval certificates for the Chief Minister’s State Old Age Pension Scheme were distributed at the Baridih Assembly office on Sunday. JAMSHEDPUR – On Sunday, 321 approval certificates for the Chief Minister’s State Old Age Pension Scheme were distributed at the…

[phoenixyfriend]

Ko-Fi prompt from Isabelo:

Hi! I'm new to the workforce and now that I have some money I'm worried it's losing its value to inflation just sitting in my bank. I wanted to ask if you have ideas on how to counteract inflation, maybe through investing?

I've been putting this off for a long time because...

I am not a finance person. I am not an investments person. I actually kinda turned and ran from that whole sector of the business world, at first because I didn't understand it, and then once I did understand it, because I disagreed with much of it on a fundamental level.

But... I can describe some factors and options, and hope to get you started.

I AM NOT LEGALLY QUALIFIED TO GIVE FINANCIAL ADVICE. THIS IS NOT FINANCIAL ADVICE.

What is inflation, and what impacts it?

Inflation is the rate at which money loses value over time. It's the reason something that cost 50 cents in the 1840s costs $50 now.

A lot of things do impact inflation, like housing costs and wage increases and supply chains, but the big one that is relevant here is federal interest rates. The short version: if you borrow money from the government, you have to pay it back. The higher the interest rates on those loans, the lower inflation is. This is for... a lot of reasons that are complicated. The reason I bring it up is less so:

The government offers investments:

So yeah, the feds can impact inflation, but they also offer investment opportunities. There are three common types available to the average person: Bonds, Bills, and Notes. I'll link to an article on Investopedia again, but the summary is as follows: You buy a bill, bond, or note from the government. You have loaned them money, as if you are the bank. Then, they give it back, with interest.

Treasury Bills: shortest timeframe (four weeks to a year), and lowest return on investment. You buy it at a discount (let's say $475), and then the government returns the "full value" that the bond is, nominally (let's say $500). You don't earn twice-yearly interest, but you did earn $25 on the basis of Loaning The Government Some Cash.

Treasury Notes: 2-10 year timeframe. Very popular, very stable. Banks watch it to see how they should plan the interest rates for mortgages and other large loans. Also pretty high liquidity, which means you can sell it to someone else if you suddenly need the cash before your ten-year waiting period is up. You get interest payments twice a year.

Treasury Bonds: 20-30 years. This is like... the inverse of a house mortgage. It takes forever, but it does have the highest yield. You get interest payments twice a year.

Why invest money into the US Treasury department, whether through the above or a different government paper? (Savings bonds aren't on sold the set schedule that treasury bonds are, but they only come in 30-year terms.)

It is very, very low risk. It is pretty much the lowest risk investment a person can make, at least in the US. (I'm afraid I don't know if you're American, but if you're not, your country probably has something similar.)

Interest rates do change, often in reaction or in relation to inflation. If your primary concern is inflation, not getting a high return on investment, I would look into government papers as a way to ensure your money is not losing value on you.

This is the website that tells you the government's own data for current yield and sales, etc. You can find a schedule for upcoming auctions, as well.

High-yield bank accounts:

Savings accounts can come with a pretty unremarkable but steady return on investment; you just need to make sure you find one that suits you. Some of the higher-yield accounts require a minimum balance or a yearly fee... but if you've got a good enough chunk of cash to start with, that might be worth it for you.

They are almost as reliable as government bonds, and are insured by the government up to $250,000. Right now, they come with a lower ROI than most bonds/bills/notes (federal interest rates are pretty high at the moment, to combat inflation). Unlike government papers, though, you can deposit and withdraw money from a savings account pretty much any time.

Certificates of Deposit:

Okay, imagine you are loaning money to your bank, with the fixed term of "I will get this money back with interest, but only in ten years when the contract is up" like the Treasury Notes.

That's what this is.

Also, Investopedia updates near-daily with the highest rates of the moment, which is pretty cool.

Property:

Honestly, if you're coming to me for advice, you almost definitely cannot afford to treat real estate as an investment thing. You would be going to an actual financial professional. As such... IDK, people definitely do it, and it's a standby for a reason, but it's not... you don't want to be a victim of the housing bubble, you know? And me giving advice would probably make you one. So. Talk to a professional if this is the route you want to take.

Retirement accounts:

Pension accounts are a kind of savings account. You've heard of a 401(k)? It's that. Basically, you put your money in a savings account with a company that specializes in pensions, and they invest it in a variety of different fields and markets (you can generally choose some of this) in order to ensure that the money grows enough that you can hopefully retire on it in fifty years. The ROI is usually higher than inflation.

These kinds of accounts have a higher potential for returns than bonds or treasury notes, buuuuut they're less reliable and more sensitive to market fluctuations.

However, your employer may pay into it, matching your contribution. If they agree to match up to 4%, and you pay 4% of your paycheck into an pension fund, then they will pay that same amount and you are functionally getting 8% of your paycheck put into retirement while only paying for half of it yourself.

Mutual Funds:

I've definitely linked this article before, but the short version is:

An investment company buys 100 shares of stock: 10 shares each in 10 different "general" companies. You, who cannot afford a share of each of these companies, buy 1 singular share of that investment company. That share is then treated as one-tenth of a share of each of those 10 "general" companies. You are one of 100 people who has each bought "one stock" that is actually one tenth of ten different stocks.

Most retirement funds are actually a form of mutual fund that includes employer contributions.

Pros: It's more stable than investing directly in the stock market, because you can diversify without having to pay the full price of a share in each company you invest in.

Cons: The investment company does get a cut, and they are... often not great influences on the economy at large. Mutual funds are technically supposed to be more regulated than hedge funds (which are, you know, often venture capital/private equity), but a lot of mutual funds like insurance companies and pension funds will invest a portion of their own money into hedge funds, which is... technically their job. But, you know, capitalism.

Directly investing in the stock market:

Follow people who actually know what they're doing and are not Evil Finance Bros who only care about the bottom line. I haven't watched more than a few videos yet, but The Financial Diet has had good energy on this topic from what I've seen so far, and I enjoy the very general trends I hear about on Morning Brew.

That said, we are not talking about speculative capital gains. We are talking about making sure inflation doesn't screw with you.

DIVIDENDS are profit that the company shares to investors every quarter. Did the company make $2 billion after paying its mortgages, employees, energy bill, etc? Great, that $2 billion will be shared out among the hundreds of thousands of stocks. You'll probably only get a few cents back per stock (e.g. Walmart has been trading at $50-$60 for the past six months, and their dividends have been 57 cents and then 20.75 cents), but it adds up... sort of. The Walmart example is listed as having dividends that are lower than inflation, so you're actually losing money. It's part of why people rely on capital gains so much, rather than dividends, when it comes to building wealth.

Blue Chip Stocks: These are old, stable companies that you can expect to return on your investment at a steady rate. You probably aren't going to see your share jump from $5 to $50 in a year, but you also probably won't see it do the reverse. You will most likely get reliable, if not amazing, dividends.

Preferred Stocks: These are stock shares that have more reliable dividends, but no voting rights. Since you are, presumably, not a billionaire that can theoretically gain a controlling share, I can't imagine the voting rights in a given company are all that important anyway.

Anyway, hope this much-delayed Intro To Investing was, if not worth the wait, at least, a bit longer than you expected.

Hey! You got interest on the word count! It's topical! Ish.

[youthchronical]

SCR launches Digital Life Certificate Campaign 3.0 for pensioners

South Central Railway explained the process to submit life certificate digitally. The image is used for representative purposes only. | Photo Credit: Getty Images South Central Railway (SCR) has launched the Digital Life Certificate Campaign 3.0 across the zone for pensioners to submit a ‘Life’ certificate for continuation of pension this month. The App The process is through ‘face…

[todayworldnews2k21]

Digital Life Certificate Campaign: How To Submit Jeevan Pramaan Certificate Online And Offline; Check Deadline

Life Certificate For Pensioners Online: More than 1.8 lakh pensioners generated their digital life certificates (DLC) on the very first day, even as the government rolled out the largest-ever campaign, the Ministry of Personnel, Public Grievances & Pensions said.  The Department of Pension and Pensioners’ Welfare on Friday launched the third and the largest nationwide DLC campaign in 800 cities…

[viralbake]

“EPS scheme certificates are issued as mandated under the Employees’ Pension Scheme, 1995. These certificates are issued when an EPF member ceases to be a part of the EPF Scheme. This can happen when an employee switches jobs or completely exits from EPF by withdrawing money from the EPF account before retirement age,” said Mallika Noorani, from Parinam Law Associates.

[samvadprakriya]

“ईपीएस’95 पेंशनभोगी अब कभी भी जमा करा सकते हैं जीवन प्रमाण पत्र, EPFO के पेंशनधारक अभी नहीं उठा सकते इसका लाभ

“ईपीएस’95 पेंशनभोगी अब कभी भी जमा करा सकते हैं जीवन प्रमाण पत्र, EPFO के पेंशनधारक अभी नहीं उठा सकते इसका लाभ

नई दिल्ली, 17 नवंबर.पेंशनरों के लिए जीवन प्रमाण पत्र जमा करने की अंतिम तिथि इस माह की अंतिम तारीख यानी 30 नवंबर है. हालांकि, यह नियम उन लोगों पर लागू नहीं होता है, जो कर्मचारी भविष्य निधि संगठन (EPFO) से कर्मचारी पेंशन योजना (EPS), 1995 के तहत पेंशन प्राप्त कर रहे हैं. ईपीएफओ के आधिकारिक ट्विटर अकाउंट पर एक ट्वीट के अनुसार, “ईपीएस’95 पेंशनभोगी अब किसी भी समय जीवन प्रमाण पत्र जमा कर सकते हैं, जो…

[mushimatsu]

I found the full versions of the job apps from this post! This was a collab with the restaurant chain Sukiya, so that's where the job app is for! Pictures from this blog post here!

Translation under the cut

Osomatsu:

Academic background/work experience (include relevant experience):

(dates left blank) NEET, factory job, Chinese food restaurant, etc Anyway I have experience with a lotta stuff! And more

About yourself:

Gyuudon! I can eat a lot of it! Beer! (something crossed out) I can drink a lot of it! 

Hobbies/Skills:

Horse racing, pachinko, all kinds of gambling!

Reason for your application:

Because I think I could eat a lot of gyuudon. And because I think a pork bowl made with a brand new model of charcoal grill would be tasty! 

Working hours (for example 9 ~ 17): (he left this blank and just put an x through Monday, Saturday, and Sunday)

Other requests:

I’d like to immediately take off days where a machine is being replaced, store remodeling days, and horse race days! 

What days would you prefer to work?: (left blank)

How many hours would you like to work a day?: (left blank) How long can you work for?: (left blank)

Karamatsu:

(in the furigana section where you're supposed to write the pronunciation of your name he wrote it in English instead of hiragana)

Phone Number: Secret (it's so important to tell you that he wrote "secret" as the English word in katakana, and not the Japanese word for secret)

Academic Background/Work Experience:

Theater Completed curriculum at Hybrid Oden cart (Hybrid misspelled as Hybrit) And more

About yourself:

When I take the stage called Sukiya... After that... Who knows...

(sorry if this is incorrect idk how the fuck to translate what he said. hate his ass /j)

Hobbies/Skills:

I can sing while playing guitar, and more...

Reason for your application:

Gyuudon, butadon, curry... Because your menu calls to me...

Working hours (for example 9 ~ 17): (left blank)

Other requests:

I'm not tied down to anyone...

What days would you prefer to work?:

What a foolish question...

How many hours would you like to work a day?:

I'm not tied down to any time...

How long can you work for?:

How many times do I have to tell you...

Choromatsu:

Academic Background/Work Experience:

Totoko-chan's manager Worked at father's friend's company And more

About yourself:

Personally, I would benefit from your company's management policy, so I think I can achieve results while working remotely. The other day, all my brothers caught a cold, but I was busy making content as a small influencer!*

Hobbies/Skills:

Kanji certification level 6, English certification level 6. Thank you very much.

Reason for your application:

Sukiya would benefit from an entrepreneur and marketing and advertising specialist with a concise plan to make KPIs a priority activity. Boosting conversions** can create solutions for Sukiya through engagement. Gyuudon benefits will surely create profit. Assign buffers and launch. Thank you very much.* ** like click through rate

Working hours (for example 9 ~ 17): (left blank)

Other requests:

Frankly, a pension plan is a must, with a minimum of 200,000 yen fixed and committed per month. Thank you very much.

What days would you prefer to work?:

I will send you the agenda for today's activities afterwards. Thank you very much.

How many hours would you like to work a day?: (left blank)

How long can you work for?: (left blank)

*(struggled so much with him and his business buzzwords if anyone has corrections please tell me)

Ichimatsu:

Academic Background/Work Experience:

Honored Squad Leader for Life at Factory Worked at Cat Cafe, as a cat And more

About yourself:

I want to gather some cats at the restaurant, but not like it would be a cat cafe, and make a "Cat Sukiya"...

Hobbies/Skills:

Cat certification level 2

Reason for your application:

I want to surround the restaurant with a lot of cats.

Working hours (for example 9 ~ 17): (left blank)

Other requests:

How many cats am I allowed to bring to the restaurant?

What days would you prefer to work?:

No particular preference

How many hours would you like to work a day?:

No particular preference

How long can you work for?:

As long as there's cats

Jyushimatsu:

Academic Background/Work Experience:

PRACTICE SWINGS

About yourself:

78 METER THROW

Hobbies/Skills:

BASEBALL

Reason for your application:

I WANT TO EAT LOTS OF GYUUDON!

(All the questions about when you're available to work):

I WANT TO EAT GYUUDON EVERY DAY!!

Todomatsu:

Academic Background/Work Experience:

Currently attending a very prestigious college Part time job at a trendy coffee shop And more

About yourself:

My brothers are all stupid, so I'm the best choice <3

Hobbies/Skills:

English and Japanese certified

Reason for your application:

The new menu item avocado gyuudon is my favorite, so you're going to release it, right? That is to say, you'll hire me, right? Right? Thanks <3

Working hours (for example 9 ~ 17): (left blank)

Other requests:

Rather than just beer, I want to sell kalua milk and cassis orange too ⭐

What days would you prefer to work?: (left blank)

How many hours would you like to work a day?: (left blank)

How long can you work for?:

Depends on if the customers are cute girls <3

thank you @totmatsu for ur help

[khush-chronicles]

My own grandfather was a freedom fighter. But that is his achievement, in his lifetime. What right do I have to benefit from that? Even my dad wasn't born at that time.

My grandfather used to work as a police officer for a Nawab in a palace (which is now used as a museum) in Dhaka before the liberation war. My grandmother was the beloved handmaid of the wife of the Nawab. the 8 siblings of my mother were born and raised in the palace.

My grandfather was courageous. But he had 8 children and a wife. So during the massacre of 25th March, he left the city. My grandmother still says how she had to step over and on dead bodies, and walk to her village from the city all the way. How the river she had to cross through a boat was filled with fresh dead bodies, how vultures were eating the flesh by the morning of 26th March. She says that was the last she ever saw a vulture in her life. Vultures are nearly extinct in our country today. She is an 87-year-old woman, who often forgets her grandchildren's names. She can still clearly describe the horrors she saw.

After coming back, my grandfather started a grocery store. But his spirit to fight remained. He used to refuse any Pakistani who came across him. No service at all. He used to sell Milk tea with cream. Which my grandmother made at home. Pakistanis apparently loved the cream, but he always refused. He used to give shelter to the young freedom fighters in his home. Wrap them up in mats and make them stand beside cupboards so it'd look like it is just a rolled-up mat. My grandmother used to feed them like her own children, even though she was younger than a lot of them. Such were their spirits, such was their love, such was their will to serve.

The Pakistanis my grandfather used to turn away, came with military officers, beat him up in front of his own shop, thought he died, and threw his "body" in the river. His "body" was brought home to my grandmother, who didn't cry. She stood firm. My grandfather laughed, that supposed dead man laughed and said, "Fooled them".

This happened again. But he pretended to drown to save himself again. Then the man proceeded to drown 3 wooden boats full of military men in the same hour. He came back and went straight to the freedom fighter camp, collected weapons, and disappeared. Came back as a victor, a proud Bangladeshi, a warrior, a free man, and paralyzed.

He received a pension from his previous police job. But never collected the Freedom Fighter certificate. He didn't see any point in dragging his paralyzed body to a few villages away just for a piece of paper that said freedom fighter. He kept the rifle though. My grandmother now threatens people with it. Badass couple.

When asked, why he did not collect it, he used to say, "Are you free? Are you alive? Are your family members being killed? Am I alive? Are we looking at the green and red flags? Then we're liberated. We are fighters. Our freedom is our certificate."

Where is that freedom now, Nanu? Why are we dying again? Why is that piece of paper more important than our safety and lives? Are you watching from the sky? The sky was painted red yesterday, did you see? Do you know it is the blood of our brothers and sisters? The grandchildren you gave so much up for?

[faeriekit]

I am getting older but I want to teach high school or be a teacher librarian or a librarian. So I have to go back to school. Please bless my dreams library fairy 🪻🍄🍠 (an offering)

(*eats the sweet potato with bare hands*) Teaching salaries in the US are at an all time low and both careers have a highly competitive job market. My recommendation is that if you do want to do either of these, I would sign up for one of those MLS programs that lets you finish your degree and earn a teaching certificate at the same time. They exist. They'll also save you a lot of time. This way you'd have the benefit being able to apply for either position as they come up and you wouldn't have to split your time pursuing two different degree paths. The path will be hard, but if it's the one you want, go for it ✨ Librarians have a better work-life balance though FYI and sometimes pensions.

Now then...an academia blessing...maybe some of this...🧚🏽‍♀️✨📚📖🔖📚✨ ...and maybe a nine of pents. 9️⃣⭐. We want this to last.

Good luck!

[danganronpasurvivoraskblog]

A Slice of Life

[A Financial Office, Minato City, 12:39pm]

Advisor: Alright, that should be about everything...

*Two figures sit in the office of a financial advisor agency; a space cluttered with stacks of paper and a few framed certificates on the wall. A worn desk separated her from the Financial Advisor himself, a man in his late fifties. His glasses perched on the tip of his nose as he reviews the paperwork spread out before him.

Financial Advisor: So, Mrs. Tendo, it looks like you’re in a pretty good spot. You’ve been contributing steadily to your pension for years, and between that and your savings, you should have a comfortable cushion...Um...

*SNOOOOREE...*

Advisor: Um...Mrs...Tendo?

*SNOOOOOREE...*

Advisor: Mrs. Tendo!

*POP!*

Bah...!?

*The middle-aged woman sitting opposite him lazes back in her seat, having somehow entered a deep sleep at some point through the conversation. The Advisors probing wakes her up, and she rubs her eyes.

Ah...sorry...I've been losing sleep these last few nights...

Advisor: That's a shame...Were you perhaps worried about our meeting today?

Not really...It's just part of life, and I'm getting old...

Advisor: Would you...like me to repeat what I said?

No. I still heard you. You said that between my contributions and my savings, I should have a comfortable cushion...Right?

Advisor: Um...yes...but how did you-?

Comfortable. That's the word everyone uses...the goal they all assume we should strive for. But I wonder what comfort really means?

Is it just about having enough money to get by? Or is it something more, like finding a way to fill the empty hours?

Advisor: Um...Mrs. Tendo?

Ah, never mind...Like I said, I'm getting old. I'm rambling like a moron.

In any case, that's good to hear. I’ve always been a saver. My husband used to joke that I’d hide pennies under the mattress if I could.

Advisor: Well, that’s paid off. You’ve got enough to start thinking about your next chapter, whether that’s traveling or just enjoying some hobbies without worrying too much.

Hm...

You know...I’ve been thinking a lot about what comes next...I mean, I'm happy for retirement and all, but...I feel like I've not got much else to do these days.

Advisor: Pardon for the personal questions, ma'am, but...do you have any family? Maybe you could spend time with them?

Nope. I used to live with my husband and my daughter...I lost both of them during the Tragedy.

Advisor: I see...My apologies, ma'am.

Psh...Don't worry about it, it's not like YOU killed 'em...

Advisor: Well, I suppose it was rather cathartic for you then when the perpetrator for the Tragedy was brought to justice.

...Why would that be?

Advisor: Huh? W-Well...

You heard about what happened up in Hiroshima not too long ago, right? That factory explosion?

Advisor: Yes, I did.

Well, rumor has it that that explosion was part of a bigger conspiracy, which is why the Future Foundation actively involved themselves in suppressing tensions. And many are saying that Junko Enoshima is back, thanks to some leaked info from inside.

Advisor: Um...

Not to mention the fact that Izuru Kamukura and Mukuro Ikusaba, and everyone else who helped Enoshima, are still out there...It's hard to be totally at peace with all these rumors...

I mean, I don't know whether to believe 'em or not, but...it doesn't do my heart any good.

Advisor: I see what you mean. But unfortunately, I'm not the right person to help dispel your beliefs or worries. You'll need a different kind of consultant for that.

Right...

My original point was...after all these years of routine, it’s hard to imagine starting fresh, you know? I’ve always been the one holding things together, keeping the house running, looking after everyone else.

Now that it’s just me, it’s…different.

Advisor: I get it. It’s a big change, and it’s not just about money. But think of it this way. You’ve built something solid here, a foundation. Now, you get to decide what you want to build on top of it. No rush, no pressure.

I suppose that’s true. Maybe I’ll give that book club a try. At the very least, it’s something different.

Advisor: I think that’s a great start, Mrs. Thompson. And remember, you’ve got options. Financially and otherwise. You’ve earned it.

——————————————————————

...

*The Saturday morning sun filtered through the canopy of trees lining the town square, casting dappled light on the stalls of the local farmer’s market. The air is thick with the scent of fresh bread, ripe apples, and earthy herbs. Hanami navigated her way through the familiar aisles, her woven basket tucked snugly under her arm.

Hey, Fushimi. You in?

Fushimi the Baker: Ah! Well, if it isn’t my best customer! I set this one aside for you, Hanami. Fresh out of the oven this morning!

*Fushimi gives Hanami a loaf of her favorite sourdough.

Heh...You know me too well. That's a bit dangerous, huh?

Fushimi: Oh come on, what kind of man do you take me for? Besides, it's not like I'm the only one who recognizes you in this part of town. So, what’s new with you? Still walking those same early morning routes?

You know me...I like to stick to what I know. Though…I did get invited to a book club the other day. Still thinking it over.

Fushimi: Now that’s something new. You should go for it! Can’t live on bread alone, right?

...But I like bread.

Fushimi: Hah! Yeah, well, me too! In case me making a profession out if it didn't make that obvious!

——————————————————————

*SNOOOORE...*

???: You really should stop doing that.

Ah!?

[cinnamonnangel]

ASTRO 101 - THE HOUSES (PART II)

SEVENTH HOUSE - I BALANCE

(The Seventh House is ruled by Libra and Venus.)

House of marriage, personality and character of our partner, partner’s job

Civil partnership, bilateral relations, long and committed relationship, close friends, closely associated with, opposite side, associations, union, consultancy

Terms of relationship and behavior

Joint ventures, hostilities, adversary, rivals, competition

Traits we feel lacking in ourselves, the parts of us that are in us but have not been revealed and that we have difficulty in accepting

Lower back, skin, external sexual organs, bladder, ovaries, blood

International relations, military or civil wars, treatises, arbitrators, illegal criminals, marriage and divorce rates, foreign trade, public relations

EIGHTH HOUSE - I DESIRE

(The Eighth House is ruled by Scorpio, Mars and Pluto.)

House of death - natural or unnatural, accident, suicide, fire, drowning, diseases, corruption, crises, surgery

Sex, sexuality, erotism, desire, fantasies, fetishes, sexual life

Alteration and transformations, sharing

Heritage, money that comes to us beyond of our control, money that comes to us from others, inheritance from husband

Tax, alimony, debt, heritage, loan, lottery, gambling

Robbery, fighting, theft, slaughter, butchers, coroners, harassment, rape

The fears, privacy, feel rage towards, abomination

Psychology, occultism, parapsychology, subconscious, spiritual psychology

Genitals, groin area, colon, sex organs, gall bladder, rectum, urogenital system

International debts, international financial agreements, charges, stock certificates, interest rates, foreign exchanges, credits, fuses, mortgages, pension funds, legacies, mortality, life-critical, suicide

Surgery, morgue, surgeons, laboratories, nuclear forces, sewage, organized crimes, terrorists, detective, demimonde, arms, underground sources, cabalistic subjects

NINTH HOUSE - I ASPIRE

(The Ninth House is ruled by Sagittarius and Jupiter.)

House of wisdom, mastership, higher education, academic trainings

Cults and thoughts, abstract reasoning, moral evidence, philosophizing, religious cult, reflection, abstract thoughts

The house where we deepen the information we get from the 3rd house

Distant relatives

Society's mindset, social law rules, social and moral rules, harmony with society

Expedition, long trips, distant travels, foreign countries, foreigners, exterior, crew, communication instruments, media, broadcast

Hips, thighs, sciatic nerves, lower spine, liver, autonomic nervous system

Foreign relations and trade, courts, laws, judges, minorities, companies, advertising portfolios, religion and clergy, the country's philosophical and religious tendencies, migrations, long-distance communications, fast-moving news, broadcasting, popular culture, foreigners

Universities, airlines and transport, maritime transport, ministry of foreign affairs, flight attendants

TENTH HOUSE - I USE

(The Tenth House is ruled by Capricorn and Saturn.)

House of profession, honor, social status, public esteem, dignity, business, character, reputation and career

Glory, name, fame, recognition, way of life, purpose and power

Social roles, status in society, the part of society that sees us, social identity, prestige and title

Marital status, our partner's family, parents, father, authoritarian leaders

Skin, hair, knees, teeth, bones, joints, skeletal system, reputation

Government, the state's reputation by foreign countries, heads of state, powers, executives, leaders, celebrities, notable personages, public figures, uplands

ELEVENTH HOUSE - I KNOW

(The Eleventh House is ruled by Aquarius, Saturn and Uranus.)

House of friends, groups, associations, endowments, a circle of friends, people around us, hives, social environments and organizations

Goals, future plans, hopes, goals of life, wishes, happy news, wealth, fortune, expectations from life and dreams

Income from career, colleagues, international friendships, audiences we offer ideas, incoming wealth, gains, profits, writings

Social media, mass media and virtual communities

Endowments associations, politics, parties, establishment, the masses

Lower leg, calves, ankles, electrical impulsive of the nerves, circulatory system, elimination

Allied countries, social institutions and administrations, legislative changes, national mobilizations, revolts, revolutions, organizations, erosions

TWELFTH HOUSE - I BELIEVE

(The Twelfth House is ruled by Pisces, Jupiter and Neptune.)

House of tribulations, secret matters, troubles, subconscious, covert and covered topics, privacy, loneliness, ermitage, place of isolation

Thoughts, anxieties, and fears underlying repressed consciousness, spiritual life

The things we hide from others and are afraid to tell, our shadow sides, psychological problems

Karmic transmissions, burdens and problems we brought from the past

Secret enemy, backfriend

What kind of pregnancy our mother had, our condition in the mother’s womb and the emotions transferred to us in the mother’s womb

Fantasies and fetishes

Feet, all bodily fluids, the lymphatic system

Secret enemies, secret organizations, private affairs, spies, psychics, fortune-tellers, wizards, deep and secret affairs, criminals, thefts, assassinations, drugs, addicts, dark business people, unemployment and strikes

Hospitals, prisons, rehabilitation centers, mental hospitals, faith houses, orphanages, clinics, charities, overseas

[justinspoliticalcorner]

Haley Britzky, Oren Liebermann, and Natasha Bertrand at CNN:

President Joe Biden is expected to pardon US veterans who were convicted by the military over a 60-year period under a military law that banned gay sex, three US officials told CNN. The pardon proclamation is expected to be announced on Wednesday and one official said it is set to affect roughly 2,000 people. The granting of pardons won’t automatically change convicted veterans’ records but allows those impacted to apply for a certificate of pardon that will help them receive withheld benefits. The pardon, which CNN is first to report on, specifically grants clemency to service members who were convicted under former Uniform Code of Military Justice Article 125 — which criminalized sodomy, including between consenting adults — between 1951 and 2013 when it was rewritten by Congress. It also applies to those who were convicted of attempting to commit those offenses.

Anyone who was convicted of a non-consensual act such as rape will not be pardoned. The White House did not respond to a request for comment. Separately, the law known as “Don’t Ask, Don’t Tell” was repealed by Congress in 2011, but not before thousands of service members had been discharged from the military.

A service member’s discharge status can determine what kind of Veterans Affairs benefits they are eligible for. A bad-conduct discharge, for example, given under general court-martial, can make someone ineligible for services including a VA home loan military pension, and education benefits. The pardon is separate from the Pentagon’s ongoing review of military records for those who were discharged based on their sexual orientation, which one of the officials said did not apply to convictions under the UCMJ. The Pentagon launched a new outreach campaign last September to reach more veterans who believe they “suffered an error or injustice” to have their military records reviewed.

[...] The certificate of pardon does not automatically change someone’s discharge status. If a certificate of pardon is issued, the service member will then have to apply to their respective military department’s board of corrections to have their military records corrected.

President Biden is expected to issue pardons to US veterans convicted by the military under UCMJ Article 125 that banned gay sex until 2013. This is yet another step in the right direction for our LGBTQ+ troops who served in the military.

[dontmeantobepoliticalbut]

The only reason John Arthur is able to be a public school teacher is because his wife makes much more money than he does.

Arthur — the 2021 Utah Teacher of the Year — testified on Thursday at a hearing in the U.S. Senate Committee on Health, Education, Labor and Pensions on the challenges facing public school teachers.

Arthur, who is also a member of the National Education Association and holds National Board Certification, pointed to pay as the main reason for both teachers leaving the profession and parents not wanting their children to become teachers.

“The No. 1 solution to addressing the issues we face must be increasing teachers’ salaries,” said Arthur, who teaches at Meadowlark Elementary School in Salt Lake City, Utah.

Gemayel Keyes, a teacher at Gilbert Spruance Elementary School in Philadelphia, told the committee that even as an educator, he still has an additional part-time job.

The special education teacher spent most of his career in education as a paraprofessional. At the time he moved into that role, the starting annual salary was $16,000 and the maximum was $30,000.

“It’s still pretty much the same,” he said.

MINIMUM TEACHER SALARY

Committee Chairman Bernie Sanders, a Vermont independent, introduced a bill in March 2023 that would set an annual base salary of $60,000 for public elementary and secondary school teachers.

“We understand that the children, young people of this country, are our future and there is, in fact … nothing more important that we can do to provide a quality education to all of our young people, and yet, for decades, public school teachers have been overworked, underpaid, understaffed, and maybe most importantly, underappreciated,” Sanders said in his opening remarks.

“Compared to many other occupations, our public school teachers are more likely to experience high levels of anxiety, stress and burnout, which was only exacerbated by the pandemic,” he said.

Sanders said 44% of public school teachers are quitting their profession within five years, citing “the extremely low pay teachers receive” as one of the primary reasons for a massive U.S. teacher shortage.

For the 2023-24 school year, a whopping 86% of K-12 public schools in the country documented challenges in hiring teachers, according to an October report from the National Center for Education Statistics.

MARYLAND SETS $60,000 MINIMUM

But a minimum annual teacher salary of $60,000 is not far off for every state.

In Maryland, the Blueprint for Maryland’s Future raises the starting salary for teachers to $60,000 a year by July 2026.

William E. Kirwan, vice chair of Maryland’s Accountability and Implementation Board, said the multi-year comprehensive plan, passed in 2021 in the Maryland General Assembly, “addresses all aspects of children’s education from birth to high school completion, including most especially, the recruitment, retention and compensation of high quality teachers.”

Kirwan said the “Blueprint’s principle for teacher compensation is that, as professionals, teachers should be compensated at the same level as other professionals requiring similar levels of education, such as architects and CPAs.”

AN “ALLOCATION ISSUE”

Sen. Bill Cassidy, ranking member of the committee, dubbed Democrats’ solution of creating a federal minimum salary for teachers as a “laudable goal.”

But he noted that “the federal government dictating how states spend their money does not address the root cause of why teachers are struggling to teach in the classroom.”

“More mandates and funding cannot be the only answer we come up with. We must examine broken policies that got us here and find solutions to improve,” the Louisiana Republican said.

Nicole Neily, president and founder of Parents Defending Education, a parents’ rights group, argued that “schools don’t have a resource issue” but rather an “allocation issue.”

“There’s a saying: ‘Don’t tell me where your priorities are, show me where you spend your money, and I’ll tell you what they are.’ Education leaders routinely choose to spend money on programs and personnel that don’t directly benefit students,” said Neily.

Neily pointed to a 2021 report from the Heritage Foundation, which found that “standardized test results show that achievement gaps are growing wider over time in districts with (chief diversity officers).” Such staff members commonly encourage efforts at diversity, equity and inclusion in schools.

Robert Pondiscio, a senior fellow at the conservative-leaning American Enterprise Institute, said “higher pay does not ease the burden we place on teachers or add hours to their day.”

“By all means, raise teacher pay, but do not assume that it will solve teacher shortages or keep good teachers in the classroom. Poor training, deteriorating classroom conditions, shoddy curriculum and spiraling demands have made an already challenging job nearly impossible to do well and sustainably,” he added.

[probablyasocialecologist]

The 39-page document produced by the Cabinet Office and the Government People Group is expected to be published within weeks. The document outlines proposed changes to the UK Civil Service’s “Gender Identity and Intersex policies”. There are around half a million UK Civil Service employees – they are politically impartial officials who support the functioning of central government departments, such as probation officers, who are a part of the Ministry of Justice, or Jobcentre staff, who work for the Department for Work and Pensions.  The new policies state civil servants should equally recognise “gender critical beliefs” and “gender identity beliefs” – meaning that employees can openly share controversial views on trans lives without being penalised. 

[...]

The leaked document also proposes “changes on access to toilets'', so that only trans people with a Gender Recognition Certificate (GRC) can use single-sex facilities.

[...]

Responding to the leaked document, Jolyon Maugham, director of the Good Law Project, which has advocated for trans rights, said: "These measures are illegal - the Equality Act does not only protect trans people who have a gender recognition certificate - and they’re revolting in equal measure.” Responding to this story, Robbie de Santos, Stonewall’s director of external affairs, said: “The leaked guidance contains many highly exclusionary and reprehensible suggestions that, combined, would effectively make it impossible for trans people to work in the civil service. Not only would this guidance be unworkable in practice, but it would be unlikely to stand up to legal challenge, as it brazenly ignores the long-established rules around single-sex spaces as outlined in the UK's world-class Equality Act. “Everyone should have the same opportunity to thrive in the workplace. But these guidelines would serve only to promote bullying and exclusion of trans people - a group who already experience diminished career prospects.”

[kemetic-dreams]

Researching African American Ancestors

Due to the long history of slavery in the United States, family history research can be challenging for many African Americans.

Census takers rarely recorded the names of enslaved people and seldom listed family members together. Enslaved people were often subjected to forced name changes, family separation, and other injustices that continue to cause challenges when finding people from the past.

But some strategies can help. 

Getting started

Download our guide to African American family history.

Gather information:

Family Bibles

Journals, diaries, and letters

Photographs

Obituaries and newspaper clippings

Birth, marriage, and death certificates

Family group sheets, pedigree charts, and books of remembrance

Interview your family members and ask whether they have any records. Take note of names, dates, and places. 

Start a family tree and add anything you've discovered. 

Search family trees by clicking the Search tab and selecting Public Member Trees. To narrow your search results, add information one field at a time until you get results you can use. 

Follow the strategies below. 

Tracing your family backward

In the United States, federal censuses are taken every 10 years. Trace your ancestors backward in censuses starting with your immediate family, recording each detail you find.

Enslaved people were not usually named in censuses. Slavery was abolished in 1865, so the first census that included the names of most African Americans was the 1870 U.S. Federal Census.

If you can trace your ancestor back to the 1870 census, you've got a good start. The next step is to find out whether they appeared in the 1860 U.S. Federal Census.

In 1860, about 10% of African Americans were free. If your ancestor was free in 1860, they should be listed in the census. If you can't find them in the 1860 census, they were likely among the 90% of African Americans still enslaved.

Look too for your ancestor in the Mortality Schedules. These are indexes of people who died during the 12 months before the census date. Mortality schedules are available for the 1850–1880 censuses. These schedules often included the names of both freedmen and enslaved people, but sometimes the names of enslaved people were excluded from the index.

Trace your ancestors backward until you can't find them anymore. At that point, it's time to find the name of the last enslaver.

Finding the last enslaver

To find pre-1870 records that include your African American ancestor, you may need to find records for the enslaver.

If your ancestor has an uncommon last name, search censuses for white people with the same surname as your ancestor in the same area. When you find them, make a list; these are possible enslavers. Only about 15% of formerly enslaved people took the enslaver's surname. Start with the 1860 U.S. Federal Census. 

Search the Freedmen's Bureau for your ancestor's name. The Bureau of Refugees, Freedmen, and Abandoned Lands was established in 1865 to help newly freed African Americans transition to life outside slavery. The names of former enslavers were often included in labor contracts, sharecropping agreements, and marriage records. Read more about the Freedmen's Bureau Records & Freedman's Bank Records.

Search the U.S. Colored Troops Military Service Records and the Civil War Pension Index. First, identify an ancestor in the Colored Troops Military Service Records, then use the information you find to locate the same person in the Civil War Pension Index, which often lists the names of enslavers.

Search the Freedman’s Bank Records. The Freedman's Savings and Trust was an institution chartered by Congress to benefit of newly-emancipated people. This publication reproduces fifty-five volumes of signatures and personal identification data of thousands of depositors who maintained accounts with the bank. These records usually show account numbers, dates of application, and the depositor's name, age, complexion, place of birth, place raised, occupation, spouse, children, family members' names, remarks, and signature. These registers of deposits sometimes included the name of a formerly enslaved person, their family members, and the former enslaver.

Search the Wills and probate records. Enslavers’ wills and probate records often list enslaved people by name.

Search U.S. Interviews with Former Slaves, 1936-1939. This database contains more than 2,300 first-person accounts of slavery and 500 black-and-white photographs of people who were formerly enslaved. It’s searchable by any word, so references to specific names can be found easily. Enslavers were often named in these narratives.

Searching slave schedules

If you know the enslaver's name and your ancestor's likely year of birth, try searching for the enslaver in the 1850 slave schedules and 1860 slave schedules. For help searching or understanding slave schedules, see Searching Slave Schedules.

More resources

The African American history page on Ancestry contains information about our DNA test and links to search databases.

The African American Historical Record Collection features interviews with people who were formerly enslaved, slave manifests, slave emancipation records, and more.

AfriGeneas provides resources for African-related genealogy with a vision of finding and documenting the last slaveholder and the first African in each family.

Cyndi's List has an index of genealogy sites about African American research.

The National Archives contain both African American research and links to resources.

The Hutchins Center for African & African American Research is a Harvard research center that supports research on the history and culture of people of African descent and provides a forum for collaboration.

[yourgamemasterthewhiterabbit]

I'd like to illustrate a problem here for a second about documentation and having ID expire every 5 years or whenever you move, while disabled in Canada, or at least Ontario.

To renew ID you need 3 pieces of documentation, one for proof of citizenship/status/immigration etc, like your birth certificate or registration etc, one for proof of residence like personally addressed mail, a bank statement or bill...

And the third, which must be separate, which is "proof of identity" for which the following is accepted:

credit card

valid Ontario driver’s licence or temporary driver’s licence

valid Ontario Photo Card

Canadian Immigration Identification Card

Certificate of Canadian Citizenship (plastic card)

Certificate of Indian Status (paper or plastic card)

Confirmation of Permanent Residence (Imm 5292)

only if signature is shown

current employee ID card

current professional association licence

Old Age Security Card

Ontario motor vehicle permit (plate portion only)

passport (Canadian or foreign)

Permanent Resident Card

only if signature is shown

Record of Landing (Imm 1000)

student ID card

union card

I have crossed out the ones I can't get as a disabled single adult with no dependents who was born here, is not elderly, cannot drive etc... Your average single young disabled adult born and raised here.

The certificate of citizenship I could [have, previously] technically get, but as a natural born citizen other sources will insist my birth certificate should be enough and I should never need this... And they STOPPED ISSUING THE PLASTIC CARDS LISTED HERE AS VALID ID!

I can't get a credit card approved because of my income.

The passport I only ever got because when I was younger I could travel, and it wouldn't get money taken off my pension etc... But most people in my position won't have or maintain this, and indeed mine is still with someone I took a trip with in my 20's and is lost to me, and I have had no real reason to renew it or report it lost. I can't renew it without getting the info off the old one and I can't apply for a new one without already having valid id AND BEING ABLE TO FIND 2 PEOPLE TO VOUCH FOR ME... Which I don't have, frankly, and I am going to go out on a limb and say that when you are more or less house bound and an inconvenient disabled who people are prone to abusing it is quite common enough to not be able to find 2 people to vouch for you. You also need a guarantor and someone to take photos! And sign them! And why would you? Why would you maintain a passport when you can't even travel??? It isn't accessible to me anyway.

So most people in my position, which is a lot, will ONLY have the photo ID card as "proof of id" which you NEED to 1. renew your health card, 2. renew the photo card itself.

My problem with this is that technically you need a photo ID card that's still valid, to make your photo id card valid again. They technically are not allowed to use your health card as this kind of ID.

I am disabled and therefor often things are LONG expired by the time I have the ability to get them renewed, so in addition to all this, my health card and photo id expire at the same time every time now.

They wanted to have a photo id alternative to the driver's license to help with issues like this to begin with, but they haven't made it much better.

The next issue is it's the only government Id that's of any use to me and that I am encouraged to get but it costs 35$ because it's treated as optional, instead of it being free like your health card is... So actually your health card does cost 35$ to maintain... Because you need your photo id card to stay valid... So actually our "free" healthcare has an out of pocket cost of 7$ per year minimum. That's not a lot, but that's not free if that 35 every 5 years stops you from being able to have health coverage.

I want a form of government ID, that counts as proof of identity, for the purpose of renewing my very important health insurance card, that doesn't bloody expire all the fucking time.

Because you're actually supposed to renew your health card every time your address changes... And when you are poor and disabled you tend to either be stuck with your parents, or stuck moving constantly to escape abuse.

And just... Do you know, how many times, for how many months I have been effectively between health coverage, in a country with free healthcare, and thus unable to seek medical attention, because my id has expired and I did not have the physical energy to go get it renewed? And that shouldn't happen!

Technically, by their own laws/policy they should have turned me away to renew my id, which would have left me 100% fucked with no existing valid ID to use to get other ID. That shouldn't be able to happen to you every 5 years or every time you move, especially when you are disabled.

And they shouldn't charge 35$ for it, considering you need it to get your health card renewed at all, technically speaking. It should be FREE! Especially if you are disabled!

If I still physically had my last passport I might be able to keep renewing it without this bullshit headache, but I can't without my old one.

They should have never switched to health cards that expire, I don't care if they wanted photo id, it was fine before, this is bullshit. This makes healthcare potentially inaccessible to the disabled because they have put it behind these stupid hoops you have to jump every 5 years and when you move.

And do you know how many disabled people have memory and mobility issues???

This is stupid.

And the kick in the teeth is that once they have my photo taken they will randomly chose to use older photos they have on file, because clearly my appearance hasn't changed enough through my adult life for them to even care how old the photo is! Why does the photo id have to expire if the photo can be over 10 years old according to their own records!? Their whole excuse for them expiring is that your appearance and address need to be up to date!

For those of you who don't know because it might have been before your time... health cards used to be white with a red stripe and no photo or address and they never expired. You only needed a new one if it was lost or stolen and that was fine. You could memorize the number on it and not even carry your card like you do with your SIN.

And then they switched us to the new photo ones to make sure everyone would have photo ID

And then they decided health cards couldn't be photo id because they didn't want to manage who got health care and who could buy alcohol with the same system for whatever reasons, so they came out with the "photo id" that you are expected to have as an alternative to a drivers license if you don't drive...

But they wanted money, so they charge 35$ every five years and make you pray to their monument of bureaucracy to get it.

Anyway fuck this my ability to make medical appointments shouldn't expire in a country with free healthcare. If they had a problem with people using each other's health cards before and messing up records, they should have made it easier to get your own health card, and not harder. And yes they should have made it so anyone even an illegal immigrant or someone who lost all their ID in a fire could walk into a clinic and still get basic care.

Not this bullshit song and dance.

So gee, if I fail to renew online just before these card expire you will hear me rant about this bullshit again in 5 years.

They could at LEAST give you a disability id card that never expires that you can use for shit like accessing the food bank or for proof of identity etc... Maybe even then it would be easy to have discount programs for anyone on a disability pension, maybe any groceries that are deemed basic necessities enough could be partially or fully subsidized without extra applications and headaches?

But no it's like they want to make healthcare inaccessible for the people who need it the most.