#SBI decreases

[nomsfaultau]

Disclaimer: this blurb is set in the SCP SBI AU I have called Fault, specifically prior to Part 1. Explanation of AU; tldr. 

3. Dehumanization//“You can do better than that”  + Bonus muzzle

[Special Containment Procedure: In response to recent behavioral issues, object: ███ █████ ███ has been issued further safety precautions in order to protect both handlers and itself. Object: ███ █████ ███ has a history of unprovoked biting. To remedy this, an anomaly-specific muzzle design has been requested from the Special Containment Procedure division.  

Additionally, this is expected to improve the well-being of object ███ █████ ███ as it is prone to talking to itself. The hypothesis being tested is that without the ability to argue, its aggressiveness will decrease.]

The world smelled sharply metallic when The Blade finally woke. He was halfway suffocating, tongue clamped down by a metal bit, bunched fabric bundling in his mouth. The boar’s snarled frustration was muffled. Bruh, a gag? Again? Did they seriously think it would work after last time? 

But then he realized he couldn’t move his jaw. It wouldn’t even budge, the strain digging lines of pain into his snout. His hands lept to his face, startled to find the cold of a metal contraption hidden in his blind spot. It took longer than he’d like to admit for the realization that he was muzzled to set in. 

A moment of quiet as the disgusting reality sunk in. And then the voices grew uproarious, laughing at him. L̸o̷o̸k̷ ̵a̷t̸ ̵y̴o̸u̶,̵ ̶g̸e̸t̵t̷i̶n̸g̴ ̵b̴o̶u̶n̸d̶ ̸l̴i̶k̵e̵ ̸a̸ ̷c̸o̵m̸m̴o̶n̸ ̷m̴u̵t̶t̸.̸

I’m not! But The Blade’s instinctive snap at the voices was muffled to incomprehensibility. They roared in delight at his ruined defense. His ears flattened at the noise, at the horrifying realization that he couldn’t suppress the voices, his thoughts lost in the jeering masses. He needed this off now. 

The straps were tight enough his hooves couldn’t get beneath them. Scrambling at the latches found them far too finicky for his poor dexterity to dismantle. The crowd surged with cruel laughter. ̴U̸n̶d̸e̴f̵e̴a̸t̴e̶d̸ ̵i̶n̸ ̵b̵a̵t̷t̴l̴e̷,̸ ̵a̴n̵d̶ ̶y̸e̵t̵ ̴a̵ ̷t̸i̷n̴y̸ ̵m̴e̶t̷a̴l̴ ̷c̷o̴n̸t̷r̸a̸p̶t̴i̸o̵n̴ ̶i̷s̸ ̷e̵n̴o̸u̶g̷h̴ ̸t̵o̷ ̵b̴r̸e̴a̸k̶ ̵y̷o̴u̷!̸ ̵H̴o̸w̵ ̸t̴h̸e̶ ̵m̷i̷g̶h̵t̸y̷ ̷h̴a̸v̴e̵ ̸f̷a̴l̴l̶e̷n̴.̵

About the only sound that could escape the gag was the low growl rumbling in his chest like thunder. It was pure instinct, and the voices knew it, ripping into him further. They didn’t care for how desperately he had clawed himself out of the sea trapped in his skull, how hard he fought to find individuality. For all that he’d been born a beast, The Blade was a self-made man, and the Foundation was not going to be the one to break him. 

Ignoring the taunting voices, The Blade carefully prodded at the edge of the muzzle, finding the barest crack where it met his jaw. Not enough space for his hooves to get under, no, not without burrowing into his own flesh to get beneath. But The Blade was the dogged- uh, determined sort, and it would heal fast enough anyway. He pushed past the pain until just barely could he pry beneath the muzzle. A terrible angle, but it was all he had. The Blade poured every ounce of force he had into trying to shove it off his face. 

Jabbing pain stabbed into him from every direction, arcing across the back of his skull, dragging across his snout. The straps burrowed into him as the barbs lining the underside stabbed in. At once The Blade released, realizing the Foundation had built in punishment for rebellion. His jaw ached as the tusks chained to the contraption were yanked on. All his strength was useless here. 

But he couldn’t. He could endure the pain, but it still netted nothing. The Blade was reduced to frantically slashing at the straps digging into his throat. Gouges ripped into his neck, growing only more deep and desperate. But there was no salvation to be found, the chains invincible. The voices grew louder and louder, reveling in his defenselessness. The Blade was swallowed by the sea. 

[Injury log for object: ███ █████ ███. Object refuses to stop scratching at its neck and is bleeding profusely. It did not heed orders to cease. Handler █████ █████ was sent in to prevent further damage to object. 

Casualty report attached below.]

The Blade paced the room, digging laps into the floor. It wasn’t an uncommon activity when he was trapped at the Foundation, he couldn’t stand to stay still. There was scarcely any stimulation beyond the torrent of abuse the voices barraged him with. Usually, he could argue with them, distract or entertain them in some fashion till they moved on to some other subject. Stripped of his words, The Blade was reduced to ignoring them. Desperately, he tried to allow his attention to wander, books he’d read, wondering what his friends were up to, what the weather was like. But any thought he had was quickly overwhelmed by the intrusive masses unable to move on. It was more than a little maddening. 

Finally, the monotony broke. The gap in the ceiling opened, a pile of nutrition bricks tumbling to the floor in a pile of Grey and Brown tablets. A routine disruption, but still sorely needed. With the distraction, a plethora of new conversations poured in, the weight behind the gathered chants weakening. The words became incomprehensible once more, fading to background chatter as he padded over to his lunch and realized…

He was going to starve. 

There was this awful certainty in the pit of his snarling guts. Hunger was beginning to grow in his stomach, scraping at the insides. A small downside of being a multi-ton behemoth was the magnitude of fuel he needed. Anxiously, The Blade eyed the human entrance, waiting for it to open. But as the minutes passed hope faded, his mouth still sealed shut. 

And the audience jeered in full force. Far beyond the humiliation of the inescapability of the muzzle, past the conjured images of animal control and the pain wrought in trying to remove it lay the true threat.

Death. That was a possibility he’d never considered before. He was The Blade! Undefeated in battle! The very universe bent and groaned beneath the weight of his ambition until he was victorious against all. 

But he could die alone in this room and never once see the face of his enemy, his own body destroying him both mentally and physically. 

And deep within the writhing mass of voices, a presence lurched into motion, surging up from the soul sea. The voices cried in glee as their god awoke. The Blade hurled mental barriers, trying to shove him back down. But still the ancient incarnation of slaughter and supremacy breached. You’re in peril, The Blood God murmured. 

I don’t need your protection, The Blade snapped, I know its cost. 

But there was only a deep rumble of a chuckle in response. And yet you claim my aegis so oft. The Blade shook his head. Not necessarily that he sought clarity, moreso that he needed the reminder he could still control himself. The Blood God lurked, but his wards held fast for now. Still, it had been a long time since The Blood God last tested his cage, and he feared his defenses grew weak under the Foundation’s duress. I could aid with that encumbrance. 

You’d only add to it. 

Insolent vessel. 

Burdensome god. Don’t be stupid, there’s no one to kill. Leave. 

I can be patient. They will pay dearly. The weight of The Blood God’s intention bled into his own, and The Blade forcefully ripped the motivations apart till they were distinct again. But for all his bristling hostility at the invasion, The Blood God stayed content where he was at the border, neither descending back into the voices nor usurping control of the vessel. Watching. Waiting to pounce. 

The Blade jerked into motion, pacing frantically. Control, he had control. His body was his, if only for the time being. With the movement came the surety of his being, the voices easier to ignore. He sheltered himself in the focus of action, grounding in the stretch of muscles and feeling of the sturdy floor beneath his hooves. Deep breaths, just like Philza said. Or, as deep as he could get with the fabric muffling his every inhale. 

You call me unwise and yet you would waste your dwindling resources, The Blood God chided. 

The Blade huffed and slumped back into his sleeping position, hock bouncing. He hated this. It made him antsy, which led to fidgeting, which led to the reminder that he was wasting energy, feeding his anxious thoughts. Being contained only ever fueled his need to move. A tension building pressure until he felt he had to either burst into motion or simply explode. He had no idea when the Foundation would let him eat again. But they had to, eventually. The Foundation didn’t kill anomalies, for all the horror that entailed. Esurance could choke him in its jagged vice, but the Foundation would not permit it to wring the last drop of life out of him. He would not die. 

B̶u̸t̴ ̸y̷o̵u̶ ̴w̷o̴u̶l̴d̴ ̵b̶e̴ ̸w̶e̵a̴k̴.̸

̶T̸h̵e̷ ̴p̵e̴r̴f̵e̸c̵t̷ ̴t̶i̴m̷e̵ ̷t̶o̸ ̵s̴t̴r̴i̸k̴e̶—

̷W̵o̶u̸l̵d̸ ̸y̸o̶u̶ ̴b̶e̵g̸?̶

̷W̵o̶u̴l̴d̵ ̷y̵o̴u̷ ̷l̴e̷t̵ ̸t̸h̴e̴m̴ ̵r̸i̷p̸ ̶t̴h̴e̶ ̸f̴i̸g̴h̵t̴ ̷f̷r̶o̷m̴ ̶y̵o̴u̷r̵ ̵s̵o̴u̶l̴?̶

You dregs of soulbonds are so self-important as to flog him? There is no honor in making a massacre of your own forces! The Blood God snarled, whirling upon the voices. They shrunk back at the reprimand. This would never break him. There will be blood in the days to come, heed me well. Take up vigilance, not this useless in-fighting. 

It was some respite, at least. The rebuked voices crackled apart, before coming to consensus on the injustice of it, howling that he seek vengeance. Just as annoying as before, but at least they weren’t attacking him anymore. Begruding gratitude filled him. Then unceremoniously, he mentally dumped The Blood God into the sea of voices. The avatar of war spluttered in undignified fashion as he was dragged back into the writhing masses. 

[Injury log for object: ███ █████ ███. Handler ███ █████ is sent in to monitor progress once it begins to sleep. Scratches appear to be scabbing. Disinfectant, bandages, and Elizabethan collar are applied to ensure satisfactory reversal of damages incurred. 

Upon waking up, object destroyed collar.]

The last instance of human contact was days ago, when they put him in a stupid cone of shame. Obviously that wasn’t going to fly, but ever since the rebellion there hadn’t been an ounce of interaction. Definitely not while he was awake, but also not while sleeping, either, based on the stale scent of human. His stomach burned, movements sluggish. Despite the growing pile of food that taunted him, about all that was left in it was bile and what water he managed to strain through his gag. Sleep escaped him as his stomach contracted in painful ways. Hazily, he could sense the presence of The Blood God hung over, inescapable, but he scarcely had the energy to boot him out. Normally his companionship was so distant, but the Foundation blurred the line he’d worked so hard to maintain. The Blade wasn’t used to the overbearing aura, but then again his life had never been threatened in so slow and intangible a manner as starvation. 

The Blade curled in the corner of the room where he’d rooted up the plush floor into bedding. Maybe if he pretended he was sleeping his body would fall for it, and slumber would ease the torment. 

His eyes flickered open as dim lights clicked on. A hesitant employee stood at the human entrance, poignant with fear. Given the near herculean amount of effort needed to raise his head, about all The Blade did was blink at her. Probably for the best, since the human looked like they’d bolt in a heartbeat. Or, till the door slammed down and trapped the pair together. Some latent instinct told him it wouldn’t be hard to corner her and finally quench his hunger. An absurd thought, really, he wouldn’t be able to eat a corpse any easier than the massive stack of nutrition bricks. 

Get up, The Blood God hissed. The boar behemoth lurched, half lunging upwards before The Blade seized control once more. He crashed to the floor in a mound of ripped-up stuffing, groaning. A moment to gather his bearings, and then he offered an enfeebled wave to the employee flattening themself against the wall. That is your enemy, the Blood God snarled. Cull the creature that has laid you so low. Show them the consequences they so rightfully earned!

Or, she has come to free us. For some reason, The Blood God was not convinced. Rolling pulses of dissent roared in his ears, the masses planting seeds of paranoia and sabotage in his mind. At the employee’s hesitant approach, he simply blinked languidly, waiting. 

Fine. I’ll do it myself. Frankly, The Blade was expecting the usurpation far sooner. The moment The Blood God lunged for control he slammed down mental fortitudes, lips curling back in a smirk. He’d spent his entire life building himself protection from the ghosts in his head, and even now, wasting away, his defenses did not fail. He could feel the avatar of war throwing himself at the barriers, desperate to wreak havoc. But his howls for wrath fell on deaf ears. 

Still, his hackles bristled at the scrape of metal in her hands. The weapon -no, keys- thumped onto the floor as the employee startled back. Their hands held out in pacification: “I’m n-not going to hurt you. I was t-t-told to take the muzzle off. Please don’t kill me.” Lies! The foe is capitalizing on your vulnerability! Strike first! But The Blade’s mane slowly unfluffed. 

When her courage was gathered, the employee started at the tusks, unlocking the supporting chains. About all The Blade did was flick an ear at them. Hunger flared at the tantalizing possibility of finally getting to eat again. Just stay still and he’d be free. 

As if one would ever unshackle a prisoner. They’re going to attack while you’re weak. The Blood God growled as the human tucked out of sight, escaping even his encompassing field of vision. Light touches against fur matted with blood and raw with scabs. Paranoid anxiety swirled in his chest for all he knew it didn’t belong to him. What was she doing back there? The muzzle pulled on his snout, straps digging in. Making it tighter? A little further and he’d begin to suffocate. Maybe they’d decided starving was taking too long, and preferred mechanical asphyxiation. What could he possibly do to fight it? Now was the moment to strike, before they secured his demise, now, when there was an enemy to face, now, now, now!

But The Blade held him back…at least, until a jostle of the strap sent the line of barbs slicing through his scabs. One jerk of his head. That’s all it took, a single moment of falter in his control. The tusk sliced cleanly through her jugular. The Blade panicked, looming over the spluttering, dying human. Desperately, he tried to apply pressure to the wound, only for their fragile neck vertebrae to snap beneath his hands. No. No no no– he needed them, they couldn’t be dead– he watched the life drain from the human’s eyes.

The Blade scrambled with the muzzle, desperate for the slimmest possibility enough buckles were undone that he could get it off. But it was just as secure as ever. He was trapped. He was trapped, and he’d nearly been saved only for him to ruin it. No, not him; The Blood God. He whirled upon the god, mentally screaming at him. 

You would do well to learn worship is the proper response to my rescues. There wasn’t any real malice to it, The Blood God displeased but unmoved by his seething anger. Bloodlust satiated, he lumbered back to the cheering masses, sinking back into subconscious. Howls of triumph drowned The Blade, a lone speck of betrayal and sharp fear amidst the cries of victory. He waited for hours on the hope the door would open once more. It couldn’t go on much longer, surely. He couldn’t survive much longer like this. 

The door remained close. 

[Injury log for object: ███ █████ ███. Object is severely malnourished. Initially it was to be released from punishment four days in, but due to misbehavior it was impossible to discontinue the Special Containment Procedure without casualties. The muzzle has been removed now that the object is incapable of reacting to stimuli. It is presumed object: ███ █████ ███ will behave better in the future to avoid extended punishment.

So far, there has been a considerable decrease in biting incidents.]

[starflake-burning]

I saw @antimony-medusa doing ao3 stats, and since I have not made very many og posts on this blog after making a new multifandom blog, I'm using this as a opportunity to update everyone here on what I posted this year to ao3 :)

I'm going to be blatantly ripping off Medusa's format for this.

Overall stats for 2023

--User Subscriptions: 119

--Kudos: 5,606

--Comment Threads: 306

--Bookmarks: 1,618

--Subscriptions: 846

--Word Count: 174,435

--Hits: 64,821

Everything is almost the same, except for a decrease in kudos. That makes perfect sense since I wrote a couple of rarepairs in fandoms that are less hyped about multishipping.

My user subscriptions have basically stayed the same since I started posting, likely because I organize fics down into different series so that people can sub to those instead.

Fun Stats:

Total number of fics published: 40

This was my most prolific year of fic writing! For reference, my total number of fics posted EVER is 53. I wrote a lot of short fics as treats for two different extreme timed challenge exchanges. I also got into several new fandoms this year.

Number of One-shots: 24

There's the exchange fics coming in clutch! And also the bushel of smutshots (oneshots that are pwp) that I wrote for new fandoms I got into and got very excited about writing smut for.

Number of Multichapters (Including WIPs): 14

Some oneshots become twoshots. Some multichapters had planned chapter counts and many did not.

Number of WIPs (aka unfinished works): 4

Of these, one is the most recent fic I have posted, which is being actively written and updated. One is being co-written with someone else. And the others are one hiatus.

Number of Inspired Works: 1

My total number of inspired works ever is 2. Fortunately or unfortunately, I have plenty of ideas to work with on my own.

Longest Fic: Stealing Candelabras (10,797).

Most of my works this year were under 10k, and a lot of them were even under 1k. I started the year short and ended it long. And I anticipate writing much more longfic this year. This one was long because I love vampires and making up vampire lore.

Shortest Fic: shifting eyes and vacancy, vanished when i saw your face (476). A very cute prompt that I had to fill. Title courtesy of my partner's suggestion, since they love the song so much :)

Most Kudosed fic: On the Twelfth Day of Christmas My Twin Sons Gave to Me: The Child Spy of My Enemy (586).

:/ Ah yes the last vesitges of my Dark SBI era. Not my favorite thing I've written, but it has it's audience.

The second most kudosed is The Care and Keeping of Your Vash (406). I love you trigun fandom <3

Most Viewed Fic: Same as most kudosed! But those stats do build up over time so I'm gonna highlight my fifth most view fic that was only posted a couple months ago as opposed to almost a year ago: When I'm On the Throne it's a Total Freak Zone (3,366). My second foray into exploring a character being a soft dom.

Most Subscribed Fic: Same as the most kudosed and most viewed. To be fair it had the format of the twelve day countdown to Christmas, so it hooked people into sticking around.

Most Bookmarked Fic: Same one again. My second most bookmarked was Shot Through the Heart, and You're to Blame (110). Arguably my best trigun fic, I love writing monsterfucker porn, especially as part of a larger canon divergent au. Double points for also getting to write a trans headcanon.

Most Used Fandom: Dream SMP, at 13. But if you combine all the fics for books by the same author (MXTX), it comes out to 12, which is pretty close!

Least Used Fandom: There's a couple I've only written one work for so...

1. Big Dragon the Series. This is a tiny fandom for a BL drama that I am co-writing a fic for. If you go searching for this show MIND THE WARNINGS. It is very intense from episode one so proceed with caution.

2. SMP Earth. I wish I got into this fandom when it was more popular, Now I don't know where to find the stream archives to get into the lore :(

3. Supernatural. I came back to this fandom this year only to post a trans character study of Dean and then leave it again lol.

Most Used Rating: E, 15 fics.

Like I said, I wrote a lot of smutshots lol. Second place is Teen, at 11 fics.

Least Used Rating: Mature, 0. Alternatively, Gen, at 9.

None of my fics are rated Mature this year because I discovered the wonders of smut and I can no longer do things by halves.

Most Written Relationship: Still SBI, but Quackbur is a close second.

Most Used Additional tag: I can't be bothered to look through all of this year's fics right now, but for the E rated ones I'm 90% sure it's Biting. As I've been quoted saying "biting is sexy!"

Most Frequently Used Characters: Again, SBI wins out. Though I think of all of them I have more fics with Techno than the others. (Again, too lazy to look through 40 fics right now lol).

Hopefully this was fun for someone else, because it certainly was illuminating for me. I'm much more active on my @cosmic-starfall blog nowadays but I'm still doing mcyt stuff occasionally here as well :)

[zfundsofficial]

Best SIP Plans for ₹1000 Per Month: Start Small, Grow Big

Starting a SIP for ₹1000 per month may seem like a small step, but it’s a powerful way to build long-term wealth. Funds like Axis Bluechip, Mirae Asset Emerging Bluechip, and SBI Small Cap offer different risk-return profiles to suit every type of investor. By staying committed and investing regularly, you can achieve your financial goals with ease, no matter how small your initial contribution.

1. Axis Bluechip Fund

Category: Large Cap Axis Bluechip Fund is one of the top-performing large-cap mutual funds, focusing on investing in well-established companies with strong financial health. It offers relatively lower risk and steady returns, making it ideal for conservative investors. The fund’s consistent performance and sound management make it a reliable option for long-term wealth creation.

Key Benefits:

Strong portfolio of large-cap companies

Lower risk compared to mid or small-cap funds

Suitable for long-term wealth building

2. Mirae Asset Emerging Bluechip Fund

Category: Large & Mid-Cap Mirae Asset Emerging Bluechip Fund is an excellent choice for investors looking for a mix of stability and growth. It invests in both large and mid-cap stocks, giving you the potential for higher returns while balancing the risk. Though it’s slightly more aggressive, the fund has a solid track record of delivering superior returns over the long term.

Key Benefits:

Balanced risk with exposure to large and mid-cap stocks

High potential for returns

Suitable for long-term investors with moderate risk tolerance

3. SBI Small Cap Fund

Category: Small Cap If you have a higher risk appetite and want to invest in companies with high growth potential, the SBI Small Cap Fund could be the right fit. This fund focuses on small-cap stocks, which can offer significant upside in the long run. However, small-cap funds are volatile and better suited for those willing to ride out market fluctuations.

Key Benefits:

Potential for high returns in the long term

Exposure to small-cap companies with growth opportunities

Ideal for aggressive investors

4. ICICI Prudential Equity & Debt Fund

Category: Hybrid (Equity-Oriented) For investors seeking a balanced approach, the ICICI Prudential Equity & Debt Fund offers the best of both worlds. This hybrid fund invests in both equities and debt, reducing the overall risk while still providing the potential for growth. It’s ideal for investors who prefer stability but also want equity exposure for higher returns.

Key Benefits:

Balanced risk with equity and debt exposure

Stability combined with growth potential

Suitable for conservative to moderate investors

5. HDFC Mid-Cap Opportunities Fund

Category: Mid-Cap HDFC Mid-Cap Opportunities Fund is a popular choice among investors looking for exposure to mid-sized companies with strong growth potential. It is a moderately risky option, offering higher returns than large-cap funds but with less volatility than small-cap funds.

Key Benefits:

High growth potential with mid-cap stocks

Moderate risk level

Suitable for long-term investors with a moderate risk appetite

Why Invest in SIPs?

Disciplined Investing: SIP plan help in building a disciplined approach to investing by making small, regular contributions.

Power of Compounding: Even small investments can grow significantly over time due to the power of compounding.

Rupee-Cost Averaging: Investing regularly helps average out the purchase cost, reducing the impact of market volatility.

Flexibility: SIPs are flexible, allowing you to increase or decrease your investment amount as per your financial situation.

[coineagle]

Potential BOJ Rate Rises Stimulate Unease in Japan’s Cryptocurrency Market

Key Points

The Bank of Japan’s potential rate hikes could cause further turmoil in the cryptocurrency market.

Japan’s share in the global crypto market is declining, partly due to strict tax rules.

The global economy has been experiencing significant volatility recently, with cryptocurrencies being significantly affected.

Notably, the expected interest rate cuts by the Federal Reserve have fueled market concerns. George Lagarias, chief economist at Forvis Mazars, warns that a drastic Fed rate cut could pose substantial risks to the market.

Bank of Japan’s Stance

Adding to these uncertainties, Bank of Japan’s Governor, Kazuo Ueda, announced on September 3rd that the BOJ would persist in raising interest rates if economic conditions match their forecasts.

This announcement is crucial considering the dramatic drop of 12% in Japan’s stock market on August 5th, the most significant decline in 37 years.

This plunge was partially due to the “carry trade” strategy, where investors took advantage of Japan’s low rates to borrow yen for buying profitable US assets. The impact was severe, with tech giants like Apple and Nvidia experiencing substantial declines. However, the crypto market was the hardest hit, suffering its largest single-day drop since 2023.

Cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH) saw double-digit losses, while altcoins like Solana and Dogecoin declined by up to 30%. This sell-off led to approximately $1.14 billion in liquidations and wiped nearly $600 billion from the market cap.

Decline in Japan’s Crypto Market Share

In a recent meeting with Liberal Democratic Party officials, Genki Oda, founder of SBI-owned BITPOINT and Chairman of the Japan Cryptocurrency Exchange Association, pointed out Japan’s shrinking role in the global crypto market.

Oda stated that Japan’s once dominant share of Bitcoin trading volume, which was around 50% from 2017 to 2018, has now reduced to a small fraction of the global total by 2024. This indicates a substantial decline in Japan’s crypto presence.

He expressed concerns that Japan’s strict tax rules could lead to a decrease in the international competitiveness of Japanese web3-related businesses.

In response to these developments, Japan’s Financial Services Agency (FSA) proposed a tax reform on August 30th. The request suggested that cryptocurrency should be treated as a financial asset, a viable investment target for the public.

This reform could offer clearer regulatory guidelines, potentially lessen tax burdens, and promote broader public investment in digital assets.

With Prime Minister Fumio Kishida’s recent announcement to step down in September, the future of Japan’s economy and its impact on the cryptocurrency ecosystem is particularly intriguing.

Kishida’s departure could lead to policy changes, which might affect both the broader financial landscape and the regulatory environment for digital assets.

[blockinsider]

Mt. Gox Transfers $2 Billion Worth of Bitcoin to Fresh Digital Wallet

Key Points

Bankrupt cryptocurrency exchange Mt. Gox has shifted over $2 billion worth of Bitcoin (BTC) to a new address.

This transfer is part of the ongoing repayment process to creditors following the 2014 hack.

The now-defunct cryptocurrency exchange Mt. Gox continues to repay its creditors by transferring over $2 billion in Bitcoin (BTC). This milestone marks significant progress in the recovery efforts following the catastrophic hack in 2014.

Mt. Gox Transfers $2.19B in Bitcoin

On July 30, 2024, blockchain analytics firm Arkham Intelligence reported a transaction from a Mt. Gox wallet. The transaction involved sending 33,105 BTC, approximately valued at $2.19 billion at the current price, to a new address. The ownership of this new address remains unclear.

In this series of transfers in July, Mt. Gox sent Bitcoin to several designated cryptocurrency exchange providers such as Bitbank, Kraken, Bitstamp, and SBI VC Trade. These exchanges will assist in distributing the funds to Mt. Gox’s creditors. Bitstamp confirmed they would start crediting Mt. Gox creditors with their recovered assets on July 25th.

According to a statement from the Mt. Gox trustee on July 24, repayments in both Bitcoin and Bitcoin Cash (BCH) were made to over 17,000 creditors across three separate distributions on July 5, 16, and 24. The ongoing process aims to compensate those affected by the 2014 hack, which resulted in the loss of at least 850,000 BTC.

Market Impact and Creditor Behavior

The full impact of these distributions on the Bitcoin market remains uncertain. Some analysts predict potential sell-off pressure from creditors due to the significant price increase of Bitcoin since 2014. However, a recent report by Glassnode suggests a different scenario.

Glassnode’s analysis of on-chain activity linked to the creditors indicates a profile more consistent with long-term holders and investors. This could potentially mitigate the expected sell-off pressure in the coming weeks.

As of July 31, 2024, the Bitcoin price sits around $66,300, with a slight decrease of 0.77% in the last 24 hours. The continued distribution of funds from Mt. Gox signifies a step towards closure for creditors and a potential turning point for the exchange’s troubled history.

[plotsforsaleinmysore]

What financing options are available for purchasing residential plots in Mysore?

What Financing Options Are Available for Purchasing Residential Plots in Mysore

Residential Plots in Mysore requires significant funding that calls for careful planning and economic consideration. With the real estate market in Mysore booming, many prospective customers are searching out excellent financing alternatives to help them secure their dream belongings. This manual provides a comprehensive assessment of the numerous financing options available for buying residential plots in Mysore, together with tips to help you pick the quality one that fits your wishes.

Home Loans for Plot Purchase

Most banks and economic institutions provide domestic loans specially designed for purchasing residential plots. These loans, regularly called plot loans or land loans, have precise phrases and conditions:

Eligibility: To be eligible, you need an excellent credit score, substantial income, and meeting the financial institution’s minimal profits requirements.

Loan Amount: Generally, banks finance as much as 70-eighty% of the Residential plots  plot’s market price. The remaining quantity is to be funded by using the consumer as a down fee.

Interest Rates: Interest charges for plot loans may be either fixed or floating. Floating costs tend to decrease, but they can fluctuate totally depending on market situations.

Tenure: The tenure for plot loan tiers is typically from 10 to 15 years, shorter than the tenure for home creation loans.

Processing Fees: Banks may additionally fee a processing charge, generally a percent of the mortgage amount.

Key Banks Offering Plot Loans in Mysore:

State Bank of India (SBI)

HDFC Bank

ICICI Bank

Axis Bank

Punjab National Bank (PNB)

Loan Against Property (LAP)

If you already own property, you could leverage it to get a mortgage towards property (LAP). This type of mortgage allows you to apply your present assets as collateral to finance the acquisition of a new residential plot in Mysore.

Eligibility: Similar to plan loans, however, you need to own every belonging that can be mortgaged.

Loan Amount: You can usually get a loan amounting to 50-70% of the market price of your present property.

Interest Rates: Generally decrease than private loans; however, they are higher than domestic loans.

Tenure: Usually levels from 10 to 15 years.

Usage Flexibility: LAP may be used for various purposes, including shopping a plot, enterprise expansion, or private wishes.

Personal Loans

Personal loans are an alternative financing option if you want a smaller amount or don’t qualify for plot loans or LAP. However, they have higher interest costs and shorter repayment tenures.

Eligibility: It depends on your credit score, profits, and compensation capacity.

Loan Amount: Usually as much as INR 25 lakhs, depending on the lender.

Interest Rates: Higher than home and plot loans, frequently starting from 10% to 24%.

Tenure: Typically between 1 to five years.

No Collateral Required: These are unsecured loans, which means no collateral is wanted.

Builder Financing Schemes

Some real estate builders in Mysore offer in-house financing schemes or have tie-ups with banks to offer loans to buyers. These schemes can be helpful as they provide aggressive interest quotes and simplified utility approaches.

Eligibility: Depends on the developer’s standards and the related financial institution’s requirements.

Loan Amount and Terms: Vary based on the agreement between the developer and the bank.

Convenience: Often, these schemes involve less office work and faster processing times.

Self-Financing

Self-financing entails using your financial savings or liquidating property to purchase the plot. This alternative eliminates the need for loans and hobby bills but requires significant advance capital.

Liquidity: Ensure you keep sufficient liquidity for different wishes and emergencies.

Opportunity Cost: Consider the capability returns from investing your savings elsewhere.

Tips for Choosing the Right Financing Option

Assess Your Financial Situation: Understand your earnings, expenses, existing liabilities, and credit score rating.

Compare Interest Rates: Shop around and examine hobby charges, processing expenses, and different costs from one-of-a-kind lenders.

Understand the Terms: Read the fantastic print and apprehend the mortgage terms, which include prepayment consequences and different situations.

Plan for Down Payment: Save up for the down payment, which can be huge for plot loans.

Seek Professional Advice: Consult with an economic marketing consultant or actual property expert to recognize the best alternatives for your state of affairs.

Conclusion

Purchasing a residential plot in Mysore is a substantial step toward securing your dream domestic or creating treasured funding. With numerous financing alternatives to be had, from plot loans and LAP to personal lending and builder financing schemes, you may pick out the only one that first fits your monetary state of affairs and dreams. By gaining expertise in each choice and planning thus, you may make a well-knowledgeable decision and pass closer to owning a bit of Mysore’s growing actual property marketplace.

For More Information Visit, Residential Plots in Mysore 

[amityuniversitykolkata]

Achieve Business Brilliance At The Best B.com Colleges In Kolkata

Nowadays, getting a B.Com degree is important for a commerce student, but it is not enough. It is not easy to find high-paying jobs for B.Com graduates if one has not chosen the right B.com college. This blog will help you find the best B.com college in Kolkata. Just completing a degree can’t promise you a great career after b.com but the college that provides you with the right set of skills, great placements and state-of-the-art infrastructure is crucial. Amity University Kolkata is the best college in Kolkata, it makes its students ready for a great career in commerce. 

Scope for B.Com in different sectors

There are too many options available for you after pursuing a B.com course in Kolkata from Amity University. Some of them are listed below.

Banks

B.com graduates generally opt for the banking sector because banks have large-scale accounting operations. A B.Com graduate is proficient in handling financial transactions. Both private & PSU banks choose B.Com graduates as they are skilled in banking operations as part of their course. A plethora of private sector banks are functioning in the country that offer exceptional employment possibilities to commerce graduates. For PSU, bank candidates can appear in different exams that IBPS, & SBI conduct for recruiting officers and executives.

Finance

India is home to many Non-Banking Finance Companies (NBFC) that offer guaranteed & unsecured loans for different purposes. They operate under RBI regulations and cannot accept deposits, but are interested in financing activities.

These NBFCs hire B.Com graduates as they are proficient in accounting, taxation, & commercial operations.

Accounting

As discussed earlier, there is enormous scope for B.com graduates in accounting because they are dexterous in managing the accounts and finances of the company. All firms like to have clean accounts because they want to decrease the auditing cost every year.

Insurance

India offers an expansive market because of its middle class having exemplary purchasing power. The scope for B.Com increases because both life and general insurance products are popular among the masses. The B.com graduates are specialists in accounting who service clients by citing premiums and other advantages as part of their insurance plan.

Taxation

In this field, B.com holders can go for chartered accountants, financial risk managers, tax consultants, tax specialists, senior tax managers, tax compliance managers, cost estimators, lecturers, stockbrokers, financial analysts, and actuaries. Many people struggle to file tax returns because they cannot file returns online. B.Com graduates aid clients in filing returns and generating their tax statements, saving them from last-minute nuisances.

Education

There is immense scope for B.Com graduates in the education sector students can opt for a B.Ed and accordingly become a TGT or PGT.  Students clearing the National Eligibility Test (NET) are also eligible jobs of lecturer and professors. 

Wealth Management

If you are familiar with the various investment options that provide good returns, then wealth management is an excellent career for you. With expertise in accounts & business mathematics, B.com graduates can become wealth managers & help people create wealth through intelligent investment moves.

Apply today!!

Amity is the premium B.com college in Kolkata. Aspiring students are encouraged to grab this opportunity to be a part of the community dedicated to academic superiority, personal development, and professional success.

Source: https://amityuniversitykolkata.blogspot.com/2024/05/achieve-business-brilliance-at-best.html

[merleklein]

Lightning Protection Products You Never Knew You Needed

Dissipation Systems are designed to prevent lightning strikes. These refer to devices using point discharge phenomena to retard and reduce the potential of lightning strikes on their protected devices.

Choosing the appropriate lightning protection products for a specific application requires several performance issues to be considered, such as the radius of the dissipater electrode cross-section, the construction material of the dissipater, the number and density of electrodes, and the configuration of the dissipater on the structure it is designed to protect. 

The Dissipation Array System (or DAS) is a lightning prevention system. Well, it doesn’t prevent lightning from happening altogether, but it does prevent lightning from striking the protected structure. There is a lot of detail on how it does this, but the simple version is that it lowers the electrostatic field in the protected zone. This prevents upward-rising lightning leaders (or streamers) from being created on the protected structure. Without these upward-rising leaders, essential for lightning collection, lightning would not be able to hit that structure. The DAS is a no-strike prevention system. This means that the system will not allow strikes to the protected area due to its high level of performance. 

Our lightning protection products also consist of a low-impendence grounding system, Transient Voltage Surge Suppression (TVSS), and a Strike Prevention Device (SBI). It can be configured for almost every structure; for example, the Hemisphere Array is suitable for industrial or commercial structures, whereas the Rim Array is designed for floating roof tanks in the petrochemical and flammable industries.

The SBIs are a more cost-effective, modular design based on the same principle of operation. They prevent 70-80% of strikes at a lower cost. 

Spline Ball Terminal – It has the capability of decreasing the risk of a direct lightning strike, and if prevention is not possible, it safely collects the strikes and eliminates them to the ground. The SBT is an off-the-shelf lightning protection product that perfectly replaces standard air terminals.

Our state-of-the-art products and reliable installation processes ensure you can have peace of mind knowing your property is protected. Trust us to be your go-to source for all your lightning protection needs. We serve a wide range of customers, including oil, gas, chemical, and other industrial facilities. We have established ourselves as a global authority.

Schedule a chat with our engineers to discuss your specific situation and assets that will need lightning protection products.

[currenthunt]

According to the SBI Research report, individual income inequality in India has significantly declined in the past 8 years

- According to the SBI Research report, individual income inequality in India has significantly declined in the past 8 years. - As per an economic research report released by the State Bank of India, individual income inequality in India has substantially decreased between the financial years 2013-2014 and 2021-2022. - As per the study, the reason for the reduction is significant movement within the income categories at the lower end of the economic pyramid. - The report is brought out by the Economic Research Department of SBI. - As per the report, income inequality measured through the Gini coefficient of taxable income has reduced significantly from 0.472 to 0.402 during the financial years 2013-14 and 2021-22. - As per the report, 36.3% of taxpayers have migrated from lower income to higher income tax bucket. - The report shows that the top 2.5% of taxpayer’s income contribution has declined from 2.81% to 2.28% during financial years 2013-2014 and 2021-2022. - The report reveals that the income disparity of people earning less than 3.5 lakhs rupees has declined from 31.8% to 15.8% during financial years 2013-2014 and 2021-2022. - This means that the percentage of this income group in the overall income has climbed by 16 percent relative to the population. Read the full article

[newsonlines-world]

The Sensex is down 8% today, the steepest drop since 2008; the Dow opens with another crash

As India's stock market index, the Sensex, dropped by a startling 8%, the world's financial markets had a turbulent day. This decrease represents the biggest one-day slump since the 2008 financial crisis. The Dow Jones Industrial Average began with another huge collapse, adding to the depressing mood and alarming investors all over the world. Selling avalanches reportedly caused SBI to incur a decline of 13.23% in India and a loss of 9.82% in the oil and gas sectors, according to Siddharth Mehta, IL&FS Former Director and CIO of Bay Capital. Real estate, metal, bankex, finance, oil, and IT all saw declines in their sector indices. For well-run, non-leveraged businesses, prudent investing is advocated despite market volatility.

Numerous variables, the biggest one being the growing worries about the COVID-19 pandemic's economic impact, can be blamed for the Sensex's sharp decrease. A serious setback for the global economy has resulted from businesses across all sectors ceasing operations because of sudden lockdowns, travel restrictions, and interruptions in supply chains. The stock market has experienced significant selloffs because of investors' anxiety over the economy's future and their struggle with uncertainty. Siddharth Mehta Bay Capital, CIO and Former Director IL&FS believes stock markets are essential for a free-market economy, allowing buyers and sellers to trade equity shares. He emphasizes the need for concentration and intelligent choices to achieve substantial gains, emphasizing the importance of clear goals in stock market engagement.

Additionally, the decline in the Dow Jones Industrial Average is indicative of a wider pattern of unrest in the world's stock markets. The outbreak's focal point, the United States, has already seen major market changes in recent weeks. Investors' confidence in the long-term stability of the financial markets is eroding as the number of confirmed COVID-19 incidents rises globally.

The effects of current market volatility extend beyond investors. The stock market's decline has repercussions for firms, consumers, and even governments. Companies that rely on the stock market to raise money or pay for expansion plans may experience tighter access to liquidity, which would hurt their chances of expanding. Additionally, falling stock prices undermine consumer confidence, which may result in less spending and a decrease in economic growth. The task for governments is to reduce these harmful consequences and put policies in place to stabilize their economy.

Central banks and governments are acting swiftly to combat the economic slowdown in light of these developments. To stabilize and support the financial markets, central banks have taken steps like lowering interest rates and injecting more liquidity. To promote economic growth and lessen the effects of the crisis on firms and consumers, governments have also introduced fiscal stimulus programs.

Although historically resilient, the short-term future of stock markets is uncertain. Investors should keep a long-term perspective because there may be possibilities for value investing during difficult times. Siddharth Mehta views, that the overall Sensex decline and Dow Jones Industrial Average crash indicate global stock markets are struggling due to COVID-19, Investor panic is triggered by economic uncertainty, but governments and central banks are working to stabilize the situation.

[wfarticles]

MSME Sector: Decoding Rural India’s Growth Led By QR Codes

Article by: Sanjay Shah - Chief Operating Officer, India / SEA

Quick responses (QR) codes are inescapable and rural India is not untouched by this magic as they have made payments data collection of small businesses very easy that even a financially illiterate can use this with ease, experts say

As India recovers from the deadly Covid-19 pandemic, the talks about micro, small and medium enterprises (MSMEs) have rapidly increased. Every other platform is seen talking about the hurdles faced by this sector, however, a concrete outcome of these discussions is yet to touch the ground because the industry is still struggling to find a base to move forward.

Urban India is somewhat equipped with resources, though not immune to crises, but it is rural India that bears the brunt of major events like demonetisation and the Covid-19 pandemic.

In early 2022, MSME Minister Narayan Rane in Lok Sabha cited a survey report and said that during FY21, 67 per cent of MSMEs were temporarily shut for up to three months due to Covid. More than 50 per cent of the respondent units witnessed a decrease of over 25 per cent in their revenues in 2020-21.

The five most critical problems faced by MSMEs were identified as liquidity (55 per cent units), fresh orders (17 per cent units), labour (nine per cent units), logistics (12 per cent units) and availability of raw material (eight per cent units), as per the data.

However, one thing that worked for small businesses, particularly in rural India, was the stunning penetration of digital connectivity during the Covid period. Presently, the majority of businesses in the rural belt use digital payments led by QR codes.

Following demonetisation and the pandemic, there has been a significant surge in digital payments within the rural economy. This shift in behaviour has led to various stakeholders, including agri tech platforms, urban farm-to-fork and direct-to-consumer (D2C) companies, actively participating in the value chain.

“With technological advancement, India’s rural areas have experienced positive changes,” said Sanjay Shah, Chief Operating Officer of the Wadhwani Foundation, India/South East Asia. “One example is the widespread use of QR codes by MSMEs, enabling seamless transactions, expanding their reach to a broader audience, and facilitating business growth. QR codes have brought transparency, promoted digital payments, and reduced transaction costs. Most importantly, they have connected rural areas with the rest of the world. The future of India’s rural economy looks much brighter with the widespread implementation of QR codes, as they can help MSMEs reach a broader customer base.”

As per the data (industry sources), month-on-month growth of merchant onboarding has increased from eight per cent to 23 per cent in the last 12 months. Furthermore, the rural merchant retention rate stands at 66 per cent. Additionally, the average number of transactions in rural areas has increased from less than one to five.

“MSMEs, being micro-entrepreneurs operating their businesses, often lack an institutional presence in many cases. However, the scenario is changing as banks, including public sector, private, and regional banks, increasingly embrace digital technology, particularly with the adoption of the Unified Payments Interface (UPI). QR codes, enabled through UPI and complemented by the JAM Trinity (Jan Dhan, Aadhaar, and Mobile), are leading the way in digitally including rural MSMEs. This development is not a myth but a reality,” said Ramprashanth Ganesan, Chief Strategy Officer, IppoPay.

Talking about digital payments, the State Bank of India (SBI) in a report said that the total digital payments percentage to nominal GDP has increased to 767 per cent in FY23 from 668 per cent in FY16.  Additionally, retail digital payments (excluding RTGS) as a percentage of GDP have reached 242 percent in FY23, up from 129 percent in FY16.

Among all the payment modes, the Unified Payments Interface (UPI) has emerged as the most popular and preferred method in India. It has pioneered person-to-person (P2P) as well as person-to-merchant (P2M) transactions, accounting for approximately 73 percent of the total digital payments in the country.

The volume of UPI transactions has increased multifold from 1.8 crore in FY17 to 8,375 crore in FY23. The value of UPI transactions has also experienced substantial growth, rising from Rs 6,947 crore to Rs 139 lakh crore during the same period, representing a remarkable increase of 2004 times.

The SBI report said that rural and semi-urban areas are now accounting for 60 per cent of the share in UPI value/volume, dismantling the popular perception that metro/urban areas are hotbeds of digital payment adoption and innovations. The top 15 states accounted for about 90 per cent of the share in value/volume.

Even according to a survey by NeoGrowth, an MSME-focused digital lender, about 70 per cent of MSMEs believe more than half of their retail sales will be via UPI. The study titled ‘Decoding digital payments: a retailer perspective’ stated that close to 80 per cent of retailers use digital payments for customer payments due to convenience.

“As 1.4 billion people of this country move towards a cashless society, QR codes have become omnipresent across Bharat and have proven to be a powerful tool for driving economic development in India, particularly for MSMEs. With this technology, businesses are now able to expand their reach and improve their sales. As QR codes continue to gain traction, they are expected to further spur the growth and development in rural areas,” said Sanjeev Kumar, Co-founder, Executive Director and CEO, Spice Money.

The rural economy is not only about agriculture

When analysing the rural economy, it is often associated with the agriculture sector however, it is more business-led than agriculture-led. While the agriculture and allied sectors contribute approximately 17 to 18 per cent to India’s total GDP, the non-agricultural sectors, particularly MSMEs involved in manufacturing, construction, and services, contribute around 28 to 29 per cent.

With a population of 68 percent, India’s rural economy currently contributes around 46 percent to India’s GDP, with 33 percent of savings and 64 percent of total expenditure.

IppoPay’s Ganesan said that the health of rural MSMEs, similar to that of Indian agriculture, is closely intertwined with the monsoon seasons. Fortunately, India has experienced four consecutive years of normal to above-average monsoons, and it is projected to have another year of normal monsoons in 2023.

“This is crucial because rural consumption is closely tied to agricultural production. Other indicators, such as rural FMCG consumption volumes (which have shown a lower decline rate in Q4FY23 compared to previous quarters) and tractor sales, point towards an overall economic recovery in rural areas,” Ganesan added.

Struggle continues

In the recent past, various challenges such as demonetization, GST implementation, and the pandemic led to the closure of many MSMEs, along with difficulties in meeting salary expenses, resulting in layoffs. Issues like financial liquidity and debt repayment also arose.

According to a report, an estimated 5.9 percent of the gross value added (GVA) in the Indian economy, which amounts to Rs 10.7 lakh crore, is trapped in delayed payments from buyers to Micro, Small, and Medium Enterprise (MSME) suppliers.

A report by Global Alliance for Mass Entrepreneurship (GAME) with Dun and Bradstreet and Omidyar Network India highlighted that payment delays to MSME suppliers have remained endemic and an intractable problem in India for more than 15 years.

The report stated, “The problem is not new or a consequence of the pandemic. The proportion of MSME sales affected by delayed account receivables has remained consistent and stable for years before the pandemic.”

Although the economic lockdowns during this period did intensify the problem, the numbers in the preceding five years were no less alarming, it mentioned.

Experts pitched for the constant handholding of the sector and support where MSMEs could be exempted from some statutory compliances and declarations, high interest and increasing cost of raw material.

Talking about rural MSMEs, Aggarwal mentioned, “They need support in building entrepreneurship, increasing employment, enhancing financial literacy and education. For MSMEs to grow in rural India, there has to be prosperity and a sense of positivity in rural India. They need to be the torchbearers for rural entrepreneurship.”

Shah mentioned that in India, there is an option for small businesses to make safe and secure transactions. Awareness of tech solutions which are available along with a variety of incentives from the government and various cluster organisations. Furthermore, digital payment wallets allow MSMEs to operate cashless, making low-value transactions convenient.

Financial and digital literacy for rural MSMEs 

Earlier, financial inclusion was as important to policymakers as it is current time. However, as India strives to become a USD five trillion economy, there is a need to boost the rural economy. The rural economy faces challenges such as a lack of banking infrastructure, widespread financial illiteracy, and limited access to formal financial services, which pose a significant challenge for merchants in rural India.

“NBFCs, banks are doing their bit to enhance financial inclusion and services like banking, lending, insurance services are being offered to unserved, unbanked population. Digital infrastructure has a major scope of development in rural areas and work needs to be done around smartphone access and knowledge to use financial applications and education on usage, avoiding frauds, building trust in digitisation,” said Sameer Aggarwal, Founder and CEO, RevFin.

Experts said that MSMEs and financial organisations need to maintain constant communication with customers to explain and explore opportunities where they can use the digital platforms across their lifestyle and for this, they can have their field agents or on-ground educators, NGOs focus on increasing financial literacy amongst men, women and youth of rural India.

“While digital financial infrastructure (DFI) has expanded access to financial services in rural areas, it alone cannot guarantee financial inclusion. The lack of digital literacy, high mobile data charges, and limited access to financial services and banking are still major roadblocks. Enhancing the inclusivity of DFIs in rural areas requires a multi-faceted approach beyond technology. It requires interventions that translate into education and training that can bridge the digital divide and strive towards true, equitable financial inclusion in rural India,” added Shah.

To achieve Prime Minister Narendra Modi‘s ambitious goal to make India a USD 5 trillion economy, it is imperative to address certain challenges faced by rural MSMEs. These challenges include the need for financial literacy training, access to credit, and technology.

According to the International Finance Corporation (IFC), India is home to 55.8 million MSMEs that employ close to 124 million individuals, with around 60 per cent of these enterprises located in rural areas.

A survey conducted by the Development Intelligence Unit and Development Alternatives in December 2022 revealed that around 44 per cent of young adults residing in rural India aspire to start their own businesses. Therefore, with the appropriate support, rural SMEs can play a significant role in India’s economic development by creating jobs, enhancing incomes, and alleviating poverty.

Read the article online here: https://www.businessworld.in/article/MSME-Sector-Decoding-Rural-India-s-Growth-Led-By-QR-Codes/25-05-2023-477940/

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Businesses with revenue > INR 3Cr can apply here:

[samhadjblog2]

>This is true. I was trying to say that the general DEI push leads to shit games nobody wants, but upon re-reading my post it seems I forgot to clarify that. My bad.

DEI has been a thing that existed since the 60s. Its not this new thing in the industry. Not to say that its good or bad just that this just been a thing longer the 2010.

>One game that's led to serious layoffs at Rocksteady, including in their QA department that, according to them themselves, is gonna lead to a decrease in quality. And with how much triple a games cost nowadays, not to mention the opportunity cost of 8 friggin' years of developments, the amount of millions this lost Warner Bros doesn't bear thinking about.

From what I've gathered Suicide squad was shifted to a studio that didn't have experience with Multi-person shooters before. Which was something a lot of people were getting tired of. Hence why Concord failed.

>The actual story itself was almost if not completely untouched by them, as can be seen in how women are shown as flawed(Freya, Sif and Thrud) or outright evil(the three Valkyries Odin still has working for him while fatherhood is explored in ways that don't involve copious amounts of bitching about the evils of masculinity. Hell, even the obligatory black Norsewoman Angrboda is shown as having normal human flaws(yes she's a giant, you know what I mean) and goes through an arc involving something other than learning that she was already perfect all along. And Kratos himself even breaks the cardinal sin of modern storytelling by being a man who saves a woman(Freya could not have freed herself from Odin's last curse without his help both in general and specifically fighting Niddhog, which would've just eaten her while she tried to break the curse had he not been beating the shit out of it).

O.k this seems a bit much to assume that SBI weren't involve with the main story. The claim that "Modern stories" have female characters as people with "No flaws" is such weak statement. Because a lot of the time the story "do's" say they are flawed. Now this isn't a defense for poor quality writing just that a lot of stories even the one's "I" don't like make it clear that the female character being presented is seen as a "Flawed person".

This is why I made this post, because to claim that "All stories today put women up while they put men down" is ridiculous. Because a person often isn't intentionally making a bad story and a lot of times they "are" trying to make a good story.And so even with stories "I" don't like. This isn't me telling you that "you are a bigot for disliking this piece of media" no one is. I just don't think righting off a story for having certain elements

I like to think more about a story and try my best to get read of a person's and not just right it off as if its something mindless (Unless its something that's "not" suppose to be deep like smiling friends).

Now bare I'm not saying I solely have an issue with people who berate "Woke" media I also share the same scrutiny towards more progressive voices dismissing pieces .For example I think its ridiculous to call "Batman" a bigot because's he's a rich-guy because that misses the intrigue of who Bruce Banner is as character. As well as his empathy for others.

I think the statement that Attack on Titans is fascist propaganda is also a dumb take this misses the political intrigue as well as its story of the cycle of violence.

I also tired of people who mistake Persona 4's character Kanji as "Gay when he's a more sensitive guy. And Naoto as trans when her story is about conforming to a male work-place.

So note that when I make this statement is a politically neutral

>I wasn't. I was saying that in a more general sense.

My bad then. Sorry

>identify key points within the video rather than saying "just watch all this

Very well then.

At 12:56 he talks about where the SBI controversy began. He go's into how before the SBI list controversy there was already antagonism towards The company. And said that it was wrong the call out the list (Even when the list was still inaccurate)

33:59 He go's over tweets that has a lot of the developers who "did" work with SBI claim that the company didn't force them to include diversity into their games.

45:55 He say's that he is also someone who has made videos critiquing games with woke-political messages that were pushed too-far as well. However that doesn't mean that he buy's into the narrative of SBI influencing the gaming industry

48:16 He then go's over how "Black-rock" isn't play favorites with SBI mainly because the stock market regulations wouldn't allow for this to happen. On top of that a lot of the companies they work with aren't even on the stock-market and so they don't have an ESG score. And even then ESG its such a tiny part of investing, that doesn't even measure ESG scores in any way. And the cherry on top of all of this "Diversity is such a minuscule part of ESG score.

54:12 He go's over the real reason why games today are more progressive with the simply answer being a vast majority of artist are left-leaning and that's it.

[journalistcafe]

एसबीआई ने पर ब्याज दरें घटाई पर लोन होंगे सस्ते देश के सबसे बड़े सरकारी बैंक भारतीय स्टेट बैंक (SBI) ने ग्राहकों को झटका दिया है। एक महीने में एसबीआई ने दूसरी बार रिटेल टर्म डिपॉजिट यानी फिक्स्ड डिपॉजिट (FD) पर मिलने वाले ब्याज में कमी कर दी है। भारतीय स्टेट बैंक (एसबीआई) ने बुधवार को कहा कि उसने विभिन्न टेनर्स के लिए फंड आधारित उधार दर (एमसीएलआर) बेसिस प्वाइंट की कटौती 10 मार्च से प्रभावी कर दिया है। कटौती के बाद एक साल का एमसीएलआर 7.85 फीसदी से घटकर 7.75 फीसदी पर आ गया है। एसबीआई ने ये साफ किया है कि नई दरें नई एफडी पर ही लागू होंगी। तीन महीने की एमसीएलआर को 7.65 % से संशोधित कर 7.50 % कर दिया गया है। चालू वित्त वर्ष में बैंक द्वारा MCLR में यह लगातार 10 वीं कटौती है। हालांकि इस कटौती के बाद ऑटो लोन, होम लोन सस्ते होंगे।

[ray-ray-writings]

Period Piece-SBI Au

This is a SBI x gn!reader in the SBI Au where Techno, Wilbur, Tommy, and the reader are all siblings with their father being Philza. For this particular imagine, the reader is the youngest of the siblings.  This is a bit Wilbur heavy because I have written Philza heavy SBI, Techno heavy SBI, and Tommy heavy SBI but not Wilbur and I was feeling soft for Wilbur sooo….. Oops.

This is gender neutral but it is about the reader getting their period for the first time so there’s that! Hope you enjoy! 

Masterlist here

Y/N starts their period at the worst time possible, the one time that Philza isn’t home… but their three brother’s are. 

Y/N’s POV

Sunlight flooding in through my window forced me awake. I let out a groan before flipping over to try and fall back asleep. A sharp pain caused by me flipping over ripped through my stomach causing me to let out a soft whimper. “What the heck” I whimpered to myself as my hand shot to my tummy and rested gently on the aching muscles. “What is wrong with me?” My stomach had never hurt like this before… Maybe it was something I ate last night… It may not be sitting well… Maybe I should go to the bathroom. 

Carefully, not wanting to hurt myself further, I lifted up the blankets and slowly slid out of the covers. I let out a shiver as the air pricked at my exposed skin, but I marched on. Slower than I have ever moved before, I made my way out of my room and down the hallway to the bathroom. 

The cool tile on my bear feet caused me to shiver as I shut the door and locked it behind me. Slowly I made my way over to the toilet, pulled my pants down, sat down, and began going to the bathroom. (That was so awkward for me to describe lol). I let out a sigh of relief as so of the pressure from my stomach released as my bladder emptied itself out… But not all of the pressure and pain was gone. 

After a few more moments, I decided that nothing else was going to come out so I wiped. Once I was done, I moved to stand up, but something on my hand caught my eye. My eyes widened as I examined my hand and found that the normally clean flesh was now covered in blood. “What?” I whispered out, unable to stop the panic from building in my chest. My eyes scanned my hand even harder, searching for the cut that could have caused this bleeding, but found nothing. Then it hit me, maybe this wasn’t from my hand. 

My gaze left my hand and scanned downward, stopping at my underwear. I couldn’t stop the small scream that ripped from my throat at the sight of my clean underwear soaked in blood. My breathing picked up as my heart pounded inside my chest. This is it! This is how it ends! I’m dying! I must be dying! Why else would I be bleeding… Down there. 

A pounding on the door startled me out of my spiral. “Y/N?” I heard Wilbur’s panicked voice screech from the other side of the door. “Are you okay in there? What’s happening, why did you scream?” It was at the sound of my brother’s voice did I realize what a predicament I was in. Dad had to go to work today. Like real actual work in an office building. Usually he can stay home but he had a meeting he had to go to in person… I was home alone with my three brothers. 

Tears blurred my vision as a sob escaped my lips, “I think I’m dying Will. I’m bleeding.” I called back. Thinking about it now, that probably wasn’t the best word choice, but I was panicked and Wilbur’s panic made me panic too. “You’re bleeding? Open the door! Let me in so I can help.” Another sob escaped my lips, “Can’t. Stuck.” I answered, not wanting to risk getting blood everywhere. 

“Why the hell did Y/N scream?” Tommy’s brash voice questioned out loud. “Tommy, now is not the time. Please, go back to your room, or go to the living room,” Wilbur practically begged. I could tell Tommy was about to retort but Wilbur spoke again before Tommy could get a word out, “Tommy… Please,” the sincerity in Wilbur’s voice must have really shown Tommy just what situation we were in because I didn’t hear another word from him, only footsteps walking away.

“Techno get the key from Dad’s room,” I heard Wilbur order from beyond the door, “Stuck. Where are you stuck Y/N?” “Toilet” I whimpered. My mind was too far in overdrive to give more than one word answers. “Okay. How are you stuck?” Wilbur questioned, the panic in his voice slowly decreasing at my answers. If he knew what was wrong, he could help better when he got in. “Bleeding” “Where are you bleeding from?” A small whimper escaped my lips as I thought about the answer. I couldn’t tell him that, could I? That’s a bit embarrassing and a little too TMI even for my older brother. But still Wilbur prompted again, “Where are you bleeding Y/N?” his soothing voice called. I took a gulp and a deep breath before answering. “Down there.” 

There was a pause from the other side of the door as Wilbur took in the information. “Down there?” I let out a small whimper in confirmation. “Y/N” he breathes out softly, ���did you start your period?” Period…. Period. That word sounded familiar. I could vaguely remember someone mentioning something about it once… “Y/N?” Wilbur’s soft voice asked, gently pulling me from my thoughts. “I don’t know” I answered with a hiccup. “Maybe… What’s a period?” 

The jingle of keys sounded from the hallway as I assume Techno returned with the key that would let Wilbur in. “Can I come in?” yep I was right. “Yeah,” I sniffed quietly, reaching up and wiping the tears away from my cheeks. I had already screamed bloody murder and scared the hell out of my brother, he might as well see me like this. 

“Techno, run to the store and get some pads and medicine would you?. I’ve already texted Niki and asked what to get, she’ll send you a list or some pictures… Please” Wilbur asked softly, still in the hallway. My heart melted slightly at the words. He texted Niki? To ask her what to get? I knew he couldn’t text dad because of work, I just didn’t expect him to ask him to ask Niki instead. 

The soft click of the door unlocking echoed through the bathroom before the door opened just a crack, enough to let my curly haired brunette brother in before the door clicked closed again. Wilbur kept his eyes focused on the ground as he shuffled over to the cabinet, grabbed a towel, before offering it to me. “Here, in case you want to cover yourself.” He said softly. My fingers gently wrapped around the fabric before unfolding it and placing it over my lap, making sure that everything was covered. “Okay. You can look now,” I told him, my voice equally as soft. 

Wilbur’s eyes lifted from the floor to my face, allowing me to see the soft blush that coated his cheeks. “I’m sorry that dad isn’t here to help you with this,” he apologized awkwardly causing me to shrug. “It is what it is… Do you know what a period is?” I asked, hoping to get some answers. The blush intensified on Wilbur’s face as he nodded at the question. “Can you explain it to me… I mean you don’t have to if you don’t want to it’s just-” Wilbur held up a hand cutting me off before I could ramble more, “It’s okay, Y/N. I can explain it to you.” 

And so he did. Wilbur took the time to carefully explain what the hell was happening to my body. He was extremely patient with me as I asked questions, trying to understand. Wilbur did a really great job that by the end I felt a bit more satisfied with my understanding of my own body. 

“How do you feel now?” Wilbur asked softly once our little conversation was over. “Fine… Better… But still a bit gross. I think there’s a bit of blood… everywhere down there ya know?” I answered honestly, again already wayyyyy past the point of being embarrassed. Wilbur let out a small chuckle and shook his head, “No. I don’t know. I’ve never had a period before.” The two of us shared a laugh about that. “But, I could run you a bath if you wanted,” he offered up, pointing to the tub. I gave him a soft smile and a nod. “Yeah, I’d like that. Thanks bubby.” 

Wilbur quickly turned around and began running the water. Once he was sure the temperature was just right, he put in the drain plug, put in my favorite bubble bath, and turned back around and headed to the exit. “Wait” I called out, stopping him. “Could you… Could you stay? Please? Like sit on the floor looking the other way? I just… don’t want to be alone right now.” Wilbur’s gaze softened as he nodded, “Of course kiddo.” 

Wilbur looked away as I stripped out of my pajama shirt and bloody pajama bottoms and slipped into the bath. Keeping his eyes trained on the ground, he sat next to the tub, but completely faced forward so he couldn’t see me. I let out a content sigh as I sunk into the warm bubble filled water, the ache and pain in my stomach slowly fading away as the warm water soothed the muscles. 

We were silent for the most part, just enjoying each other’s company. At one point there was a knock on the door. Wilbur quickly got up to answer it. The rustling of a plastic bag sounded throughout the tiled room letting me know that Techno had returned from the store. “Techno got the stuff. I can show you how to put the things on if you want.” I was slightly surprised at the offer. I didn’t expect Wilbur to know how to be able to do that… Then again, he’s Wilbur of course he knows how, he knows how to do just about everything. 

But I agreed and so Wilbur picked up the underwear that Techno had also brought and carefully showed me how to apply the pad to the undies before gently setting it back on the counter. I mentally laughed at the situation we were in. Never would I have thought I’d be here, in a bathtub while my big brother Wilbur, showed me how to put on a pad. But here we are… Funny how life is like that sometimes. 

Once I was ready to get out, Wilbur handed me a towel before finally leaving the bathroom to give me some privacy while I dried off and got dressed. I did so quickly, carefully putting on the undies so as to not disturb the pad… okay that sounded weird haha. But I silently thanked Techno for picking out my favorite sweatpants for me to change into. I almost cried at the shirt he picked out for me. It was one of Wilbur’s hoodies. The one that was even too big for him, so that when I pulled it on it swallowed me whole and encased me in his scent. I couldn’t help but take a deep breath at the calming aroma. Even though I don’t always show it, I really do love my brothers. 

Leaving the bathroom, no one was in the hallway so I made my way down to the living room. Again, tears pricked in my vision at the sight. Pizza and soda were laid out on the coffee table with plates and cups sitting next to them. My brother’s sat on the couch in front of it, chatting softly. “You guys didn’t have to do this” I spoke softly causing all of their heads to snap to me. “We know… We wanted to” Wilbur told me gently. “Speak for yourself. I was a part of this for me!” Tommy jumped in, reaching forward and grabbing a plate, piling it high with pizza, before sitting back and stuffing his face. Wilbur elbowed him for the rudeness, but I couldn’t help but laugh. Of course Tommy would say that. “Come, sit. Eat” Techno said, holding his hand out beckoning me forward. I wasn’t going to argue with that. 

I settled between Wilbur and Techno with a plate of pizza and a cup half filled with my favorite soda. I didn’t eat as fast as I normally would, not wanting to get eating cramps on top of the other cramps that would soon occur. But the four of us sat there on the couch together for a while. At one point, Tommy jumped up and put on a movie. After that, it was an unannounced and unofficial lazy day. 

We were on the couch the whole day watching movies, only leaving to go to the bathroom or get food from the kitchen. At one point, the cramps began. Wilbur noticed my wincing and quickly jumped to get the cramp medicine that Techno had picked up. He put the pills in my hand and explained how often I could take it before also giving me a drink. After taking the medicine, I laid on my brother’s. My feet resting in Techno’s lap, my middle in Wilbur, and my head in Tommy’s. 

At first, Tommy complained, claiming he didn’t want to cuddle, but when I tried to move, his hand quickly found it’s way in my hair and scratched my scalp soothingly. “I guess you can stay here” he grumbled in distaste, but I could tell he felt really happy about being included. Wilbur’s warm hands rested on my stomach and slowly began to make soothing circles, easing the cramping muscles. Techno’s hands began to work wonders on my feet as he subsciously gave me a foot rub. With all that affection and warmth, it was no wonder I fell asleep. 

That’s how Philza found us that night when he came home from work. The gentle calling of my name woke me from my sleep. I carefully peeled my eyes open and found my father’s soft complexion smiling at me softly as he sat kneeled in front of me, his hand petting down my hair softly. “Hey kiddo. I hear you had a pretty big day today.” He whispered softly. I let out a small hum as I looked around and found that I was still lying across my brother’s laps, all of them still asleep. “How did you--” “Techno texted me when he went to the store. I’m sorry for not being here for it and I’m really really sorry I didn’t educate you better before it happened either,” Dadza apologized, looking genuinely sorry for it. “It’s okay… Wilbur did a pretty good job at taking care of me…” I informed him. Philza’s gaze flickered from my face to his oldest middle child, “Yeah? Of course he did. I always know I can count on him… I was going to offer to order pizza for dinner but it seems I’m a little late.”

 I giggled softly at that as Dadza looked around at the empty pizza boxes still laying on the coffee table. “Yeah… But we could get Chinese,” I offered up slyly, hoping he’d agree. His chuckle told me everything I needed to know, “Chinese it is… I’m going to let you nap a bit. I have some work I have to do, but once I’m done I’ll put the order in… Sound good?” “Sounds good,” I confirmed. Dadza gave me another smile before leaning over and pressing a sweet kiss to my forehead, “I love you so much honey,” “I love you too dad.” Dadza paused for a moment more before standing up, removing his hand from my head and leaving the living room. 

I let out a small content sigh before carefully rolling over and snuggling myself closer to my brothers. One of them let out a groan, Techno I think, but settled immediately, letting me burrow even closer to them. 

Periods suck. There is no doubt about it. They hurt and stain your clothes and can be embarrassing and make you feel overly emotional. But I wouldn’t trade this experience for anything. My brother’s dropping everything to help me. Wilbur getting over his embarrassment to take care of me. Techno getting over his social anxiety to go out and buy me things. Tommy getting over his obnoxiousness so I could relax with all of my brothers… No I wouldn’t change this for anything. 

There you go! I really hope you enjoyed! If so, be sure to leave a like, maybe even a reblog or reply telling me your favorite part!!!

[anastasiamaru]

The War news

-The SOF (Special Operations Forces) group of Ukraine blew up a bridge with enemy equipment heading to Izyum.

 These were the armored car "Tiger", Kamaz and three Urals, moving to reinforce their troops in the Kharkiv region. Having laid explosives in a certain place, the operators of the SOF were waiting for the enemy. Blowing up the bridge, with Russian equipment on it, was carried out according to a special plan, destroying the entire enemy column. Our operators, thanks to UAVs, confirmed the defeat of the target. After that, the Ukrainian Defense Forces soldiers have completed the case.

-In Mariupol, part of the 36th Marine Brigade was captured during an attempt to break through. This was stated by adviser to the head of the President's Office Oleksiy Arestovich in an interview with Mark Feigyn on April 13. According to Arestovich, part of the brigade went to join Azov, and part went to break into another place. They were separated from each other and made decisions based on the situation.

-Due to the massive bombing and shelling by the russian armed forces of the Ukrainian cities and villages, 1,014 educational institutions were damaged, 91 of them were destroyed.

-Together with the sunken cruiser "moscow", the rashists lost 16 cruise missiles. The total number of cruise missiles on ships in the Black Sea has decreased from 72 to 56.

-In Odessa, the State Bureau of Investigations (SBI), detained the head of the Opposition Platform for Life Party faction of the Mariupol City Council. According to investigators, he carried out an anti-Ukrainian informational campaign, supporting russia. He was exposed in a rented apartment.

-Lviv court arrested 154 properties of Medvedchuk and his wife Marchenko, the SBI reported. Among them are a motor yacht, 26 cars, 23 houses and 30 apartments. Shares in the authorized capital of 25 companies, where beneficial owners are Medvedchuk or Marchenko, were also seized.

-The Ministry of Education will review the program on World Literature and exclude russian authors from it. This was announced on April 14 by Minister of Education and Science Serhiy Shkarlet. According to him, the working group will review in depth the works that were previously recommended within the course, and will be very critical of the content of the subject, even on selected works.

-In Mariupol, russian invaders force civilians to wear a white ribbon, which is a hostile symbol — they want to make civilians a bait for Ukrainian snipers, — the mayor of the city reported. According to him because this is the mark used by the russian army, our troops may mistakenly perceive civilians as enemies.

[dazenightmare]

Please give us the a n g s t

I will. Keep in mind I’ve only seen one custody battle when I was really young, and even then I wasn’t really involved with it, so sorry if this seems really inaccurate, but then again when has anything this fandom been accurate?? Anyways.

One day while restocking shelves, Tubbo runs into his aunt that lives across the country. Of course, this makes him very happy at first because she was his dead mother’s sister, and he hadn’t heard from her in years. During his lunch break they head over to the sandwich shop to catch up, and the staff there don’t try and interact too much because even they can tell this is important

About twenty minutes in his aunt asks where they live because she tried visiting but somebody else lived in their house now. Then Tubbo’s like “what? You don’t know?” And proceeds to tell her that his parents died years ago, and how he just thought she couldn’t make it to the funeral and wasn’t able to take him in. Turns out nobody told his aunt about it, and the only people who were able to contact her died

This of course upsets her even more than if his parents just chose to ignore her calls and messages, and asks who was watching over him now, seeming a bit more upset when he told her his blood father. Between one moment and the next, his aunt was now close to crying and talking very loudly about how she should’ve been called and how she could’ve taken him in, and Tubbo’s just trying to reassure her as the staff of the sandwich shop watch in concern. Eventually she says “don’t worry, I’ll fix this” before leaving, confusing Tubbo very much and Charlie and Ted wish they got at least Tommy’s number as they watch Tubbo just sit there a bit dazed and also close to tears

Charlie helps him back to the grocery store and all of the staff notice something doesn’t seem right with Tubbo as he just skates around aimlessly, stuck in his own thoughts

About a week later at the house, Philza gets a call and nobody really thinks anything of it until they hear Philza’s voice slowly raise in volume and how anger seemed to seep into him. Nobody really can make out anything he’s saying until he shouts “HE’S HAPPY HERE! I’M SORRY MISS, BUT IT’S NOT HAPPENING. GOOD DAY.” And he hangs up. Everyone else is confused, but Tubbo feels the pieces click into place as Philza’s gaze lingers on him a bit too long at dinner

Another week passes before Philza and Mumza are angrily whispering to each other one night in the kitchen, with all four of the sons watching quietly outside the door. Tubbo feels his heart sink as he watches them look through a packet of legal documents and papers and whisper his aunt’s name. He quietly races back up the stairs, unaware of how his brothers watch him. He hides under his bed until morning

It’s later in the day when Philza pulls him aside and asks him some questions about his aunt, and after getting through that informs him about the custody situation and how they might have to go to court. Tubbo doesn’t cry. He doesn’t know why he would, because there’s no reason to, right??

They manage to keep the other three in the dark for a while before Philza tells them over dinner one day, and all of their expressions become scared. Nobody’s surprised how Tommy holds Tubbo after dinner, the other two joining in on the cuddle pile later on

The staff at the grocery store notice the way SBI are fidgety, how Philza seems tired and the boys are constantly close to tears. Meanwhile Tubbo seems distant, not really processing anything. It’s not until Philza tells Tubbo that they were going to court that Tubbo finally breaks down, whispering into his talkie a faint “B-Breakdown Budd-y..?” On top of the freezers before sobbing as Ranboo shows up and tries his best to help

When they do go to court they seem stiff. Techno, Wilbur and Tommy weren’t allowed to go on the first and second day, and nobody but those three would know how they did nothing but cry and nervously wait for them to get back. The rest of the days they do go, if only to vouch that Tubbo was happy and healthy with them and silently pleading they’d let Tubbo stay.

About a month in, they let Tubbo stay with his aunt across the country for a week or two, just to see how well his aunt would take care of him before deciding Tubbo’s fate. Tubbo cries and clings to Tommy for as long as he can before he’s forced into a car and can only watch with teary eyes as the house and his family get farther and farther away

It’s only then that the staff at the store are informed of what’s happening, and they’re all really sad and scared because Tubbo might be forced to move a country away from them, and their chaos suddenly decreases which worries the customers

Meanwhile during Tubbo’s stay at his aunt’s, she tries very hard to make him happy, but notices how he’s distant and sad and doesn’t really leave the house unless she makes him. He doesn’t even wear his rollerblades around the house like he used to when he was little

She of course makes him sit down and asks what’s wrong. Tubbo doesn’t even look up at her as his eyes water for the millionth time since he got there, saying quietly “this isn’t L’manburg. This isn’t the SMP. This isn’t my house on H’ardcorr Road. You’re not my mother or father. You’re not my dad or mum. You’re not Technoblade. You’re not Wilbur. You’re not Tommy. You are my aunt who lives miles away, who I haven’t spoken to in years. This is a town which isn’t my home. You are a person who isn’t my home.”

“I want to go home.”

That’s when his aunt looks back on all this time, and really thinks about actions or expressions she had written off or thought was something different. She hadn’t seen Tubbo happy since she first arrived. But it wasn’t because of the family who took him in like she assumed. It was because she was going to take him away from them. Suddenly she sees why Philza and Mumza glare at her, sees why their sons can’t look at her face for too long before almost crying, sees why Tubbo seems so distant, and hesitant to really choose a side in it all

When they go back to L’manburg, she gives up on the case. Tells the court that she doesn’t think she’s ready to take in a child like she thought she was. Smiles over at the shocked parents on the other side as she says Tubbo was already happy where he was. They decide to leave everything as it was legally and financially, and she leaves after that session with a hug to Tubbo and a promise to call soon

When they get back home, it’s obvious the other three are happy to see him, but also are scared out of their minds. When Philza tells them that Tubbo’s aunt dropped the case and that Tubbo was staying they just hug Tubbo and cry a lot, and I mean a lot and stay cuddled on the couch. When they tell the rest of staff the next day they also are very happy and are just hugging him while crying to the point they need to close the store

The customers are relieved when the store opens again the next day and everything is back to normal. Or mostly normal, anyways