#Tax Saving investment options

[shriramfinance]

Fixed Deposits: Your Guide to Safe and Secure Savings

Fixed deposits (FDs) are among the most trusted and widely used investment options for individuals seeking guaranteed returns. Known for their simplicity, reliability, and safety, FDs are ideal for anyone looking to grow their wealth without exposure to market risks. Whether you’re a beginner in investing or a seasoned saver, this guide will help you explore the ins and outs of fixed deposits and their role in achieving financial stability.

What Are Fixed Deposits?

A fixed deposit is a financial product offered by banks and financial institutions where you can deposit a lump sum amount for a specific period at a predetermined interest rate. Unlike other investments, FDs ensure that your principal amount remains safe while earning predictable returns over the tenure. At maturity, you receive the invested amount along with the accrued interest, making it a straightforward and secure way to save.

Why Should You Consider Fixed Deposits?

1. Safety and Security

Fixed deposits are among the safest investments, as they are unaffected by market volatility. Your principal and interest are guaranteed, making FDs a reliable option for risk-averse individuals.

2. Assured Returns

FDs offer fixed returns that are not influenced by market performance, unlike stocks or mutual funds. This ensures consistent growth of your savings over time.

3. Flexible Tenures

With FDs, you can choose from a variety of tenures, ranging from a few days to several years, depending on your financial needs and goals.

4. Liquidity Options

While FDs are meant to be held until maturity, many banks allow premature withdrawals or loans against your FD, providing liquidity in times of need.

5. Tax-Saving Opportunities

Tax-saving FDs come with a lock-in period of five years and offer deductions of up to ₹1.5 lakh under Section 80C of the Income Tax Act, helping you save on taxes while growing your funds.

How to Choose the Right Fixed Deposit?

1. Compare Interest Rates

Interest rates vary between banks and financial institutions. Opt for providers offering the highest rates to maximize your earnings.

2. Align Tenure with Goals

For short-term requirements, choose FDs with shorter tenures. For long-term growth, select a longer duration to benefit from compounding.

3. Leverage Additional Benefits

Look for special schemes like higher interest rates for senior citizens, flexible payout options, or auto-renewal features to maximize benefits.

4. Ensure Credibility

Always deposit your funds with reputed banks or institutions with high credit ratings to safeguard your investment.

Tips to Maximize FD Returns

Diversify Investments: Split your savings across multiple FDs with varying tenures to balance liquidity and returns.

Reinvest for Growth: Opt for cumulative FDs to reinvest interest and take advantage of compounding.

Stay Updated on Rates: Monitor interest rate trends to renew your FDs at the best rates available.

Final Thoughts

Fixed deposits remain a cornerstone of financial planning for both beginners and experienced investors. Their guaranteed returns, low risk, and flexibility make them a valuable addition to any portfolio. Whether you’re saving for a milestone, building an emergency fund, or simply seeking financial stability, FDs offer a dependable solution.

Explore your options today and let fixed deposits pave the way for a secure financial future.

[retirenowis]

A Strategic Approach to College Savings Using Life Insurance for Long-Term Financial Security

Saving for college is a significant financial commitment, and families are constantly seeking strategies to ease this burden. One often overlooked option is saving for college with life insurance. This strategy offers flexibility and financial stability since it not only creates a safety net but also lets cash worth increase with time. Understanding the benefits of a life insurance college fund strategy can help families create a versatile and effective college savings plan.

What is Saving for College with Life Insurance?

Using a permanent life insurance policy—such as whole life or universal life insurance—saving for college with life insurance means building cash worth over time. Permanent life insurance policies generate cash value that is accessible to the policyholder for the duration of their lifetime, whereas term life insurance only offers coverage for a predetermined time. This growing cash value can be borrowed against or withdrawn to help cover the costs of college tuition, books, or other educational expenses.

Why Consider a Life Insurance College Fund Strategy?

A life insurance college fund strategy offers several unique advantages over traditional savings plans. Unlike 529 plans or other college savings accounts, the cash value in a life insurance policy can be used for any purpose, not just education. This flexibility ensures that if your child decides not to attend college, the money can still be utilized for other significant financial goals. Furthermore, the cash value grows tax-deferred, making this strategy a valuable tool for building long-term wealth.

How Does Life Insurance Help with College Savings?

The life insurance college fund strategy is particularly appealing because of the potential for tax-advantaged growth. As premiums are paid into the policy, a portion goes toward building cash value. Over time, this cash value grows, and when it’s time to pay for college, the policyholder can borrow against or withdraw from it. Since loans from life insurance policies are not taxed, it’s a tax-efficient way to access funds for higher education.

Flexibility and Security in College Planning

Unlike traditional college savings vehicles, saving for college with life insurance provides more flexibility. In cases where a child may receive scholarships or choose an alternative career path, the funds in a 529 plan can face tax penalties if used for non-educational purposes. Life insurance, on the other hand, does not have this limitation. The cash value remains available for a wide range of uses, offering financial security beyond education.

Start Early for Maximum Benefits

Starting alife insurance college fund strategy early is crucial for maximizing the benefits. The earlier a policy is purchased, the more time the cash value has to accumulate. By the time college expenses arise, there will be a substantial amount available to cover educational costs. Additionally, starting early ensures lower premiums, making it a more affordable long-term solution for families planning for the future.

Conclusion

Saving for college with life insurance is a flexible and tax-efficient strategy that provides both financial security and peace of mind. With a life insurance college fund strategy, families can build wealth, ensure protection, and fund educational expenses without facing the restrictions of traditional savings plans. Visit retirenowis.com for professional advice to investigate how this strategy might be customized to meet your financial objectives.

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[asjinsurance]

Life Insurance: A Smart Investment For Your Family's Secured Future

In today’s uncertain world, ensuring the financial security of your loved ones is important. While many view life insurance as an expense, it’s, in fact, a strategic investment that provides peace of mind and long-term benefits for your family’s future. Let’s delve into why life insurance is not just a cost but a wise investment choice. Financial Protection and Stability:  Life insurance serves…

[theibankers]

The I Bankers

Businesses of tomorrow need to be built on balanced foundations, Empathy and pragmatism foresight and technology. At the I-Bankers, we treat organizations as partners, with a strong focus on collaboration.

For more info visit our website- https://theibankers.com/

[hersoftside]

401K Basics: What You Need to Know to Start Investing in Your Future

Hey there, loves! Welcome back. Are you ready to talk about something even better than travel? That’s right, we’re talking about money! Specifically, how to make your money work for you and grow your savings. (or as some of my friends would say a way to ensure you never stop traveling.) Now, I know it can be daunting to think about saving for retirement when there are so many places to travel…

[wonnieaura]

financial knowledge for the girlies 🤍🍓💸

Develop a budget: Creating and sticking to a budget can help you better understand your income and expenses, and learn how to prioritize your spending.

Save regularly: Saving money is crucial for achieving financial stability. You can set up automatic transfers to a savings account so you won't be tempted to spend the money.

Pay off debt: High-interest debt can hinder your financial progress. Make a plan to pay off your debts and focus on high-interest debts first.

Invest wisely: Investing can help your money grow over time. Look for low-cost index funds, which can give you broad exposure to the market at a low cost.

Understand compound interest: Compound interest is the interest you earn on interest. By investing consistently, the power of compound interest can help you build wealth over time.

Research before making big financial decisions: Before making a major decision, such as buying a house or car, research different options and weigh the costs and benefits.

Learn from your mistakes: Every failure or setback can teach you something valuable. Use these experiences to inform your future financial decisions.

Get professional advice: Seek advice from a financial advisor if you're unsure about your financial decisions. They can provide guidance on investments, retirement planning, and tax strategies.

Be aware of scams: Scammers can take advantage of financial illiteracy. Be cautious when someone offers an investment that's too good to be true.

Continuous learning: Financial knowledge is constantly changing, so stay informed by regularly reading financial news, books, and attending classes or webinars.

[batboyblog]

Things Biden and the Democrats did, this week #3

Jan 26-Feb 2 2024

The House overwhelmingly passed a tax deal that will revive the expanded Child Tax Credit, this will effect 16 million American children and lift 400,000 out of poverty in the first year. The deal also supports the building of 200,000 housing units over the next two years, and provides tax relief for communities hit by disasters.

The Biden Administration has begun negotiations on drug prices for Medicare. Earlier this year the administration announced it would negotiate for the first time directly with drug manufacturers on the prices of 10 common medications. This week they sent their opening offers to the companies. The program is expected to save Medicare and enrollees billions over dollars over the long term and help push down drug prices for everyone.

The Department of Transportation has green lit $240 Million to modernize air ports across the country. Air Ports in 37 states will be able to get much needed updates and refurbishment.

The Biden Administration announced 10 sites across America as sites for innovation investment. They will receive up to 2 billion dollars each over the next 10 years. The goal is to stimulate economic growth and innovation in semiconductor manufacturing, clean energy, sustainable textiles, climate-resilient agriculture, regenerative medicine, and more.

The State Department reviews options for recognizing Palestinian Statehood. While as of yet there's been no policy change this review of options is a major shift in US diplomatic thinking which has long opposed Palestinian Statehood and shows a seriousness of reported Biden plans to push for Statehood as part of a post-war Israel-Saudi normalization deal.

President Biden imposes sanctions on Israeli settlers who have engaged in violence against Palestinians and peace activists. This marks the first time the US has leveled sanctions against Israelis and sets up a standard that could see the whole settlement movement cut off from the US financial system

the Department of Energy has tentatively agreed to a $1.5 Billion dollar loan to help reopen a Michigan nuclear power plant. This would mark the first time a closed nuclear plant has been brought back online. Closed in 2022 it's hoped that it could reopen in time to be generating power in late 2025. This is part of Biden's plan to decarbonize the electricity grid by 2035.

the Internal Revenue Service launched a program to allow tax fillers file for free directly with the government. In 2024 its a pilot program limited to 12 states, but plans for it to be nation wide by tax day 2025

The Department of Health and Human Services announced $28 million in grants to help with the treatment of substance use disorder, including a program aimed at pregnant and postpartum women, and expanded drug court aimed at directing people into treatment and out of the criminal justice system.

The Department of Energy announced $72 million for 46 hydroelectric projects across 19 states. This marks the single largest investment in Hydropower in US history.

The Senate confirmed President Biden's 175th federal judge. Biden has now appointed more federal judges in his first term in office than President Obama did in his, however still lags behind Trump's 186 judges. For the first time in history a majority of a President's nominees are not white men, 65% of them are women and 65% are people of color, President Biden has appointed more black women to judgeships than any administration in history.

[theambitiouswoman]

Wealth Building: Money Topics You Should Learn About If You Want To Make More Money

Budgeting: This means keeping track of how much money you have and how you spend it. It helps you save money and plan for your needs.

Investing: This is like putting your money to work so it can grow over time. It's like planting seeds to grow a money tree.

Saving: Saving is when you put some money aside for later. It's like keeping some of your treats for another day.

Debt Management: This is about handling money you owe to others, like loans or credit cards. You want to pay it back without owing too much.

Credit Scores: Think of this like a report card for your money habits. It helps others decide if they can trust you with money.

Taxation: Taxes are like a fee you pay to the government. You need to understand how they work and how to pay them correctly.

Retirement Planning: This is making sure you have enough money to live comfortably when you're older and no longer working.

Estate Planning: This is like making a plan for your stuff and money after you're no longer here.

Insurance: It's like paying for protection. You give some money to an insurance company, and they help you if something bad happens.

Investment Options: These are different ways to make your money grow, like buying parts of companies or putting money in a savings account.

Financial Markets: These are places where people buy and sell things like stocks and bonds. It can affect your investments.

Risk Management: This is about being careful with your money and making smart choices to avoid losing it.

Passive Income: This is money you get without having to work for it, like rent from a property you own.

Entrepreneurship: It's like starting your own business. You create something and try to make money from it.

Behavioral Finance: This is about understanding how your feelings and thoughts can affect how you use money. You want to make good choices even when you feel worried or excited.

Financial Goals: These are like wishes for your money. You need a plan to make them come true.

Financial Tools and Apps: These are like helpers on your phone or computer that can make it easier to manage your money.

Real Estate: This is about buying and owning property, like a house or land, to make money.

Asset Protection: It's about keeping your money safe from problems or people who want to take it.

Philanthropy: This means giving money to help others, like donating to charities or causes you care about.

Compounding Interest: This is like a money snowball. When you save or invest your money, it can grow over time. As it grows, you earn even more money on the money you already earned.

Credit Cards: When you borrow money or use a credit card to buy things, you need to show you can pay it back on time. This helps you build a good reputation with money. The better your reputation, the easier it is to borrow more money when you need it.

Alternate Currencies: These are like different kinds of money that aren't like the coins and bills you're used to like Crypto. It's digital money that's not controlled by a government. Some people use it for online shopping, and others think of it as a way to invest, like buying special tokens for a game.

[the-daily-dreamer]

The targaryen ruled 130 years without dragons. And the most capable kings were all targaryen. After them it was a decline for the throne. Robert, joffrey, tommen, cercei were all sith ruler .

I see targ stans are investing in high quality air to fill their heads lol

But anyways. “The most capable kings were all targaryens”. You know who else were targaryens? The worst rulers of Westeros. Robert, Cersei, Joffrey, and Tommen aren’t even close to the worst kings and queen to rule. And bringing them up as evidence to show that the targaryens are good is so disingenuous.

Maegor the Cruel, Aegon the Unworthy, The Mad King Aerys, Rhaenyra (yes, I know that’s controversial), and Daenerys (yes, I know that’s even more controversial) are all far FAR worse than anyone you mentioned.

Maegor killed his wife and her entire family. He was a usurper (apparently it’s good when the targs you like do it lol), a kinslayer (also a thing only good when it’s targs you like doing it), raped and tortured many people, wiped out entire houses, killed any and everyone that he saw in any way as deserving, and created a huge war with the faith of the seven.

Aegon the unworthy was corrupt and lazy and legitimized his bastards leading to the blackfyre rebellions that led to endless bloodshed for 5 generations.

Aerys was so bad he had a rebellion staged against him that ended his family dynasty. He burned fathers and sons together. He tortured people and burned them alive. He abused and raped his wife when he would burn people alive. He wanted to kill the entire city of kings landing.

Rhaenyra (who like it or not went down in history as one of the worst rulers) known as maegor with teats taxed her people to starvation. She had daily executions. She had knights inquisitors hunt down and punish people.

Daenerys burnt down kings landing, was complicit in the rape and enslavement of hundreds, ruined city economies so badly slavery was a better option, then profited from said slavery, abandoned the people she conquered (no doubt ensuring they will be enslaved much more harshly after supporting her), raped a “free” slave that she admits still acted like a slave because that’s all she knew, oh yeah and again, SHE BURNT DOWN KINGS LANDING. And this is after the people you listed.

And this isn’t including non Targaryen rulers that ruined lives like the blackfyres. Or rulers that are bad but weirdly beloved like Aegon I who basically conquered people by threatening to kill them and everyone they loved, subjugating a country for hundreds of years.

The best rulers I admit were Targaryens. But that’s because they were the only rulers save for 4 people. Of those four, two were bad and two were incompetent. Not nearly the sadistic “mad” people I described above. And funnily enough, as soon as a Targaryen came back to power…things got worse again. Funny how that is.

Oh and by the way. Going with the histories of Westeros. Guess who is among the best rulers according to small folk Aegon II and Alicent. Seethe :)

[linguisticsho]

Anti capitalist + anti consumerist + anti work master list

*originally started writing this as a reference for myself. may add more later

No buying/no spending options

Libby (books, audiobooks, magazines). you can use multiple library cards. harris county and queens allows you to sign up for a card with just your number.

Hoopla (music)

Kanopy (movies, tv, docs)

Anna's Archive (books, academic papers)

Tubi (movies, TV, docs)

Your local libraries

Bartering. they got facebook groups for this. if you still use that.

Low buy/low spending options

Bookbub

Dollar stores

Thrift stores

Only buy when you need/run out of it. you don't really need another damn notebook (note to self)

lowkey thinking about buying that $25 tablet from five below

Going analog

Book Outlet

Thrift Books

Thrift stores

Blank cd's and an external drive

Food

Learn. To. Cook. get a rice cooker from family dollar. some rice, sausage, chicken, ramen, eggs, frozen mixed veggies,et c etc. get some spices. you can just throw this in for 15-20 min and have a meal. do some experimenting while you at it. start looking at those big back recipes from tik tok while it's still around.

eat less shit. less fast food. less processed snacks.

TooGoodtoGo. pay about $5 to get some surprise bags from different restaurants.

Companies to boycott (if you are able to)

Amazon. you know why.

Walmart. gets tax subsidies for employees on welfare. they aint never giving them a payraise, despite their profits. anti dei

McDonald’s.

Trader Joe's. anti union.

Companies to support instead

Local.

Black owned/BIPOC. buy essentials.

...or make your own shit. read some books, watch some videos to teach you to make skin care, set up raspberry pi, whatever you wanna learn

Making money (for anticapitalist, antiwork, anticonsumerist, autistic, young, wild, free)

Writing on Medium. something i've been doing a little of.

Micro investing. invest $5 here and there to make a little money.

All in on specific niches. see where it takes you.

Qapital. an app where you can save money without having to think about it. this has helped me in a pinch.

Prolific. good way to make a little money. pays thru paypal tho.

anything you're capable of doing

Skills that could actually matter

Herbalism. make natural remedies for chronic issues.

Gardening. grow your own food and kush. (if possible)

Reading. a skill often taken for granted. read all that you can. do annotations. actually do media literacy and ask yourself why you like or don't like a movie, TV show, anime etc etc.

Archiving. with the tik tok ban coming, i've been made more aware of the importance of saving shit. download things. write info you learn down in a notebook or notion.

Self defense. hand to hand combat or a glock. even if you start with practicing with a toy gun.

Sailing the seas

just look up 'pirating' on here

[autisticadvocacy]

An ABLE account is a tax-free savings account that lets disabled people manage their money without it affecting government assistance. This article goes through ABLE programs by state.

[imagine-silk]

i feel like varric is a classic platonic yandere.

do NOT fuck with his friends thank you.

》Honestly he's already halfway there. Also I'm gonna use a Adaar non!inquisitor.

》This has been so long in the making I am sorry TTMTT

He does a lot for his friends. He makes sure Merrill is unbothered by paying off people, even going so far as to pay people as pseudo bodyguards. Helped Anders stay hidden underground and stocked. As much as he teased Carver he made sure prices at the shops he went were more affordable, if you catch my drift. And at the Conclave he shut his mouth at the end of the story. The champion of Kirkwall vanished in the wind. Lie by omission.

Something about you though clicked in his head and rang it like a bell ten-fold. He would die for his friends, yes, but he would kill for you.

A Tal-Vashoth mercenary who was stranded. The reason you were working with them was to cover a debt you owed. So when your company died and you were the only survivor you knew they would tax you for it. There was no doubt they would keep you working for the rest of your life, no matter how long or short it may be. But the so-called Inquisition was housing the homeless and faithful. That included you because going back wasn't an option.

Cassandra used you to help detain Varric so when she saw you among the people she sniffed you out as not a refugee. She was going to throw you out but Trevelyan stopped her and offered you shelter in exchange for work.

It's a funny thing, you were the one to seek him out. You almost tripped over him and ended up jumping over him. He was always a sucker for interesting introductions. The next time you were going to apologize for how you treated him in his detainment.

He quickly realized you were seeking him out because he was a constant to you who never ever showed you ill will. That was the slope to madness.

Going out of his way to talk you was received as well as he thought it would, you were basically vibrating in your seat. After a few times of hearing his stories at the pub you realized what he meant when he said he was a liar, but you told him you found it funny.

He heard someone in Haven dragging the 'Mercenary Qunari' through the mud. See as there was a grand total of seven Qunari at Haven he knew who he was talking about. Suddenly they got the worst chores to do, separately.

Other than him you're pretty isolated. All your friends were dead, no family, and the people who wanted you also wanted you as a slave. For some reason that didn't make him want to make you some friends like he did for Merrill. Your time was his.

You making friends was by no means illegal but he would interfere. Maybe he needs you to read the newest chapter of his murder serial. Or somehow they get extra shifts that make them keep moving. He will never pull the 'I need some company' card but if you see him struggling he won't turn away like he would with others.

After Haven goes down he gets more serious in his attempts to help but also to keep you out of the limelight. The more he gets involved in the Inquisitor's inner circle the more he keeps an eye on you. There is nothing you do he doesn't know about, nowhere you get deployed he didn't allow.

At Skyhold you feel like he's the only real person you can go to and he does his best to reinforce that feeling. "Remember; you always got this friend in your corner."

Cole knows about all of this but because you are happy and so is Varric he doesn't interfere. He does say something to Varric about how this friendship feels different to him, more intense, but Varric dismisses it.

If Hawke is saved he introduces you to them and you two hit it off, Varric guiding the conversation as smoothly as it could go. After Hawke will remark to him in private how he seems very invested in you and he doesn't seem to want to go back to Kirkwall like they thought he would. He dismisses it. If Hawke was left in the Fade he is devastated, truly. When you go to console him he allows it to happen and he doesn't try to use this against you even if it would be really easy. He would let this one go unspoiled.

At the end of it all and he goes back to Kirkwall he takes you there. You might think he asked you but there was never any room for you to deny it. Taking down a Qunari quietly wasn't too difficult for a rogue like him. You would have been asleep in ten minutes and onboard in eight. When you get there you are basically confined to his estate. You're not locked in but he tells you not to go certain places and it's most of Kirkwall. You can go to the Hanged Man and everyone in there knows not to try and hassle you in any way. If they do at least twenty people will stop them.

[More when the new game comes out]

[rvbrebooted]

I think it's time I posted our business plan on here. But first I want to say that my LLC is Rancher Toads

Warner Brothers owns the Red vs Blue IP which is a big hurdle, but someone bigger than them owns HALO. Microsoft and Halo Studios (formerly 343 Industries). I bet Halo Studios is looking for a HALO show that works. Red vs Blue can be that show. It has over a decade of success, started a new form of animation, is an established IP, and has a massive fan base wanting more. But first we need to open a path with Microsoft and Halo Studios. However, we will not rely on Microsoft to be more than a sponsor and partner. Having a bigger parent company owning our smaller studio is too risky. My plan is:

Depending on how much Warner Media will be selling the rights for, we may need Microsoft to help get the rights back from Warner Media, which will cost them a pretty penny. But it will be a wise investment as they will get product placement, a percentage of profit, free advertisement for HALO, a successful HALO based show, and a good PR campaign about supporting creatives. Another financial bonus for them may be that when big companies take on some debt, it helps them pay even less in taxes. Which will save them money.

Meanwhile, to pay for operation costs and possibly even getting the rights back, we will do a Kickstarter. Death Battle got funded within a day of their campaign. They set their goal as $75,000 (USD), and by the end of it they made $740,000 (USD)! I have no doubt that Red vs Blue can reach its goal and continue operations. Reward items and future merchandise is a strong suit for my company, Rancher Toads.

Rancher Toads was originally founded when things regarding Rooster Teeth and making animated shows started to change. We want to make the animations that we originally would have pitched to Rooster Teeth. But- Animation is a labor intensive art form, and expensive. This is why we call our business model a reverse hasbro- We sell toys to make animation. (They infamously are known for “Make animation to sell toys”.) Our in house merch includes:

Mod Mods

Short for “Modification Models”, these figurines are posable, interchangeable, and extremely customizable. We want to do Red vs Blue and Halo batches, while providing custom Halo armor options so fans can make their own personal armor. Then with the interchangeable aspect, fans can also make their face claims of who is under the helmet.

Sewed’s Boutique

Sewed’s Boutique is more for fabric based fashion, such as bags, cosplay parts, and the like. A few concepts we have worked on that combine Red vs Blue and Sewed’s Boutique include: An Agent Washington helmet purse that is a 2D front facing image of Wash’s helmet. A Kaikaina “Sister” Grif Cheerleader bag. A Felix helmet purse that is a 2D front facing image of his helmet.

Corrode’s Armory

Corrode’s Armory is an offshoot of Sewed’s Boutique, where we sell more armor and weapon based merchandise. We would love to produce an official HALO armor line. Reasonably, it will start with HALO helmets. The plan is to have them made from two (2) sturdy, yet thin, resin molds. One for the helmet, and one for the visor.

I bring up using resin as I plan to use high quality alternatives to plastic when it comes to armor and figurines. Ridding plastic in all fabrics will be an uphill battle later to come.

Merchandise is not the only thing we want to be involved in when it comes to hopefully continuing Red vs Blue. We want to be involved in the writing. We see Red vs Blue having a canon map that looks like a subway map, or the Hyrule timeline. Our contribution to this messy, but organized, canon map is what we like to call- Red vs Blue ReBooted.

This will take place after Wash was shot, and instead of going on an adventure, the Reds, Blues, and Carolina stay beside Wash as he recovers on Chorus. In a way, it echoes the ending of Season 17, while leaving the canon of Seasons 16 and 17 in the air. We have much more planned out but legally, this proposal will not cover the majority of storyline ideas. But we will say we do have plans for both Meta Tucker and Zero to have proper stories.

We also want Miles Luna to have his chance to make a Mercs spin off series. While Luna has adopted an idea for Felix and Siris from one of our members, we want/plan Miles Luna to have majority creative control on his series.

Shisno Tales, a Red vs Blue anthology. This would be a perfect spot for officially making the Red vs Blue plays Among Us episode. We and our Amphibian Allies have a lot of episode ideas written down and even completed scripts. Shisno Tales will include different animators and forms of animation.

Project Freelancer Remembered. A spin off of seeing Project Freelancer’s early days and how close the Freelancers were before the mind games started.

Blue vs Pink is my own little talking in a box canyon idea. I plan to keep it in Shisno Tales. As there are a lot of show ideas being pitched here. It deals more with gender and sexuality. As Pink Team represents femininity, and Blue Team represents masculinity.

Locus Redemption. A space western. Not in the way that Firefly was, but Locus traveling around the universe trying to make things right after Chorus. A show the reds and blues will make cameos in. I see this as a true M rated show. One thing I want to put in this show is to highlight even more corruption of the UNSC. Specifically, where Locus is out in little known Outposts, that the UNSC is dead serious about occupying, even with great harm to the people originally there.

Circling back to the Mod Mods, the dream is to have these customizable figurines be building blocks for Mod Mod Media. Which would include a life simulator game, a more contained scenario game, and animated crossovers. We imagine most of the crossovers would be like Cartoon Network City bumpers from the 2000’s. But we dream even bigger to make Mod Mod Movies. Especially a Red vs Blue & RWBY crossover, as there should be one. But also to show while owned by different companies, they will always be sister shows. Then of course ones with our own original IPs, I see these as a love letter.

Nothing Rancher Toads plans to do is a cash grab. Bringing back IPs and expanding them is an act of creative love. We are not ready for goodbye, and neither should the creatives who put so much love into it. So please, take us seriously and let us work together. Thank you.

[angelsaxis]

"...[W]e must continue to challenge the societal arrangements that leads to preventable pain and suffering. Marriage can be quite beautiful and sacred, for example. Marriage can also privatize dependence: it encourages people to enter relationships for resources and benefits, like health care, savings, and tax deductions. I was nineteen years old when I got married, mostly informed by my faith tradition. I was also in love, but very poor, and marriage offered me a stability that I never had as a child. I was so lucky that the person I married was kind, thoughtful, and also very much trying to figure out his relationship to Christianity and his evolving manhood.

When we divorced nine years later and became friends and co-parents, I realized how the marital benefits I once aspire dot have did not make sense. I could remove him from my health insurance to account for the divorce, but I couldn't add any of my uninsured siblings, whom I would be related to forever. And our children had two options for insurance because they had parents who went to college and worked jobs that offered it, but independent contractors in my family did not have an option that wasn't a financial sacrifice.

If we focused on meeting the healthcare, employment, educational, and housing needs of people in society, then those who want to marry could more freely enter those relationships in their terms, and people who needed to escape because of violence could more easily leave without worrying what will happen if they get sick and need to see a doctor.

We should heed to calls for investment in the programs, opportunities, and laws that make everyone free and safe. Here too, universal basic income can help, allowing people to meet their basic needs and not rely on potentially sexually exploitative intimate relationships for income. Removing benefits from marriage accomplishes this, too. With universal health care, and other programs like free and quality childhood education, people vulnerable to violence have more free range to move, live, and practice healthy lifestyles."

-- Becoming Abolitionists: Police, Protests, and the Pursuit of Freedom by Derecka Purnell

[bitchesgetriches]

bgr, i have some money that i can put in a retirement account, but i’m having trouble bringing myself to do it because the world seems like it’s on the verge of ending (not to be dramatic). i’m in my early twenties and it’s hard to imagine current financial institutions still existing in 50 years, for better or for worse.

Man that hits hard. We get it! The future is pretty fucking uncertain right now. So here are 3 reasons that should motivate you to start a retirement account anyway:

If the world goes to hell in a handbasket, the people who will suffer the most are the poor. That's how it always is. People with fewer resources always get shit on most when economic downturns happen. So consider your retirement account one way to provide a little security for you and your community against the day the shit hits the fan.

You don't have to wait to retire to use a retirement account. In the event of a major emergency, you can withdraw from that retirement account and use the money. You'll pay tax penalties, but if things are really grim, that'll be the least of your worries.

Economic collapse rarely happens overnight. We're going to have some warning. And when that warning comes, the more diversified your finances are, the more options you'll have to secure yourself and your loved ones. That means not only having cash on hand, but a savings account you can access quickly, non-retirement investment accounts, a retirement account, a credit card, assets you can liquidate fast. It's about having Plans B through Z lined up if the worst should happen.

We have a bunch of similar questions, so I think this is worth researching a bit more. Especially with, y'know, multiple wars going on and American democracy balanced on the edge of a knife. We'll look into it and write a more comprehensive guide to both why you should still have a retirement fund AND how you can use it to secure your present if our collective future is taken away.

And this was grim so HERE ARE SOME PUPPIES:

More advice:

Season 1, Episode 12: "Should I Believe the Fear-Mongering about Another Recession?" 

Ask the Bitches: How Do I Prepare for a Recession? 

You Must Be This Big to Be an Emergency Fund 

Dafuq Is Insurance and Why Do You Even Need It? 

3 Times I Was Damn Grateful for My Emergency Fund (And Side Income) 

If you found this helpful, consider joining our Patreon.

[lastimeexteriors-nebraska]

Can Residential Metal Roofing Save Money on Utilities?

If you’re a homeowner looking to reduce utility costs while enhancing your property’s longevity and aesthetics, consider residential metal roofing. Metal roofs offer a unique blend of durability, energy efficiency, and style—qualities that can significantly reduce utility bills.

In this article, we’ll delve into how residential metal roofing can benefit your wallet and home, focusing on its efficiency, potential savings, and maintenance tips.

The Energy Efficiency of Residential Metal Roofing

Regarding energy savings, residential metal roofing stands out for several reasons. One of its defining features is its high solar reflectivity. This means that a metal roof reflects a substantial amount of the sun’s rays, keeping your home cooler.

This can be especially beneficial in warmer climates. Traditional roofing materials often absorb heat, raising the temperature inside your home and leading to increased air conditioning usage. In contrast, residential metal roofs treated with reflective coatings—usually called "cool metal roofing"—can reduce cooling energy costs by up to 20%. This not only helps lower your electric bills but can also extend the lifespan of your cooling systems, reducing the need for costly repairs or replacements.

Understanding Cool Metal Roofing

As a subset of residential metal roofing, cool metal roofing is specifically designed to maximize energy efficiency. This is achieved through high solar reflectivity and thermal emittance, allowing the roof to deflect sunlight and release heat more effectively.

When selecting a metal roof, consider options with ENERGY STAR® certification. These roofs can qualify for tax credits and rebates, which can further benefit your investment.

Choosing the Right Color for Your Metal Roof

The color of your residential metal roofing can significantly impact its energy efficiency. Lighter colors tend to reflect more sunlight, while darker shades absorb heat. If you live in a warmer climate, opting for a light or neutral color could enhance the energy-saving benefits of your metal roof.

For instance, a roof painted with an UltraCool low-gloss finish reflects most of the sun’s rays, keeping your attic cooler and reducing the strain on your air conditioning system. To maintain an aesthetically pleasing home exterior, consider shades like slate blue or matte black, which can provide both style and efficiency.

Long-Term Savings on Utilities

While the initial investment in residential metal roofing may be higher than traditional roofing options, the long-term savings can be substantial. Metal roofs are durable, often lasting 40 years or more, and require minimal maintenance. This longevity means fewer replacements and repairs over time.

Moreover, because metal roofs can significantly lower energy consumption, homeowners often notice a reduction in their utility bills shortly after installation. These savings can be particularly noteworthy for those living in regions with high summer electric bills, such as Arizona.

Maintenance and Longevity of Residential Metal Roofing

Regular maintenance is essential to maximizing the benefits of your residential metal roofing. Ideally, you should have a maintenance inspection every 2 to 5 years, transitioning to annual checks as your roof ages. This includes examining the flashings and ensuring the paint is not damaged.

Properly maintained metal roofs enhance your home’s curb appeal and retain their energy-efficient properties for years. If you discover any damage during inspections, addressing it promptly can prevent further issues and sustain the roof's performance.

Environmental Sustainability of Metal Roofing

Another factor to consider when considering residential metal roofing is its environmental impact. Metal roofing materials are often made from recycled materials and are fully recyclable at the end of their life cycle. By choosing metal roofing, you're making a sustainable choice that benefits the environment while saving money on utilities.

Investing in Residential Metal Roofing

In summary, residential metal roofing can save you money on utilities and energy-efficient properties; potential tax benefits and low maintenance requirements make it an attractive option for homeowners looking to invest wisely in their property.

If you want to explore energy-efficient roofing solutions, visit Lastime Exteriors today. Discover how residential metal roofing can enhance your home’s aesthetics, durability, and energy efficiency—all while saving you money on your utility bills.