#Term Money Market

[scorebetter]

Indian Financial System

The Indian Financial System is at the heart of the country's economic development. Read More.....

The Indian Financial System is at the heart of the country’s economic development. The prime function of the Indian financial system is to mobilise savings and make them available for investments and capital formation to accelerate economic growth in the country. The financial system in a country comprises various intermediaries who play a crucial role in sourcing funds from the surplus segment…

[living-undead]

I love Sims drama because I am so uninvolved in all of it that I feel like I'm in a theatre, watching a movie with popcorn and my feet kicked up. Don't mind me while I sit from the sidelines and watch nonsense unfold before my eyes. Seeing factions break out over who gets to make more off the back of a multi-million dollar corpo.

[hauntedorpheum]

first time people tell a content creator GIVE US MORE ADS

[immamapletreekid]

work anxiety starting before work itself hahahahaahahahahahahhhaha

[seancodydotcom]

One of my favorite dutch words is the term we use for "A money laundering storefront"

[what-even-is-sleep]

DAMMIT what’s the line between:

‘bad publicity is still publicity’ and posting screenshots abt the tumblr shop tab moving to our blog spots

VS

I don’t want to stay silent on this topic and I know that just one formal complaint won’t do much if we aren’t all angry at the Instagram/Tik-Tok-ification that’s happening rn

[juanabaloo]

Not my photos. All credit to Mike Ownby on Flickr.

[sniperct]

Ah, because I'm a nerd and I find this stuff fascinating, my favorite time of year, when star citizen releases their financials for the previous year (in this case, for 2022)

Some numbers of interest by the end of 2022

headcount: 860 worldwide

Salaries and related costs excluding the publishing/marketing teams: 56M

Other Game Dev (overheads,studio rentals, travel, etc): 18.4M

Contracted Game Dev ( external services and dev teams): 9.5M

Publishing/community/marketing: 29.9m

Accounting/Admin and legal fees: 1.4 Million

Capital expenditures (hardware/software, fixtures, offices, server upgrades etc): 12.9 million USD

All told they took in 130.7 million and spent 129.5 million or thereabouts.

In other words, they're spending almost as much as they bring in.

[shiny-meowstics]

not to bitch about pokemon gen 9 on main again, but

the fact that so many first party nintendo games manage to release in a functioning state without super obnoxious pop-in while scarvi released in and is still in an embarrassing state is absolutely insufferable, lmao

(nevermind the states of swsh. and bdsp. and legends, even if I consider legends the best thing that came out of gen 8)

the fact that the dlc will inevitably make stupid amounts of money bc people keep enabling said embarrassing state of existing is also absurdly insufferable

y'all can't keep giving this franchise your money if this is all we can expect in the future. just, an absolute disregard for the barest amounts of qa because they're being crunched to death to keep up with absurd deadlines

fucking wild to me that they think they're incapable of going so long without introducing a new gen, like just release a bunch of pikachu and eevee merch. people don't give a fuck, they'll buy that shit like hotcakes and wait

or they could let side games exist again to give their main development team a fucking break for once, but I guess that's not happening since side games that aren't fucking gachas or mobas with battle passes aren't nearly as profitable, and Mr. Pikachu is just as bad as the Michael Mouse (read: disney) in terms of trying to squeeze out as much money from their consumers as possible, lmaooo

[mygwenchan]

Ugh I'm annoyed... My boss keeps hiring random marketing "experts" that keep meddling with my ads. This time he initially said they're only going to optimize the online shop, which is whatever to me, cause I don't do SEO and online shop structures and such. BUT! Of course they want to take a look at my Google Ads account as well... Like, can they not? These fuckers always act so high and mighty and think I don't know shit. Well, turns out so far my ads have always had better results than those of any marketing "experts". I don't want to have a meeting with them... I really don't care about their irrelevant opinions...

[2happyherder]

[jarvis-invest]

5 Destructive Money Habits to Quit Today

Do you want to become a successful investor? Do you want to invest in the best stocks in ai for the long term? If the answer to these questions is yes, you need to get the basics sorted - you need to have a good relationship with money in the first place. 

For that, you need to quit 5 destructive money habits. Here are they:

Mindless Spending: This is a big one! Mindless spending refers to unnecessary purchases you make impulsively, often without a plan or budget. It can be triggered by emotions like boredom, stress, or social pressure.

How to Quit: Track your spending for a month to identify areas where your money leaks out. Set spending goals and stick to a budget. Avoid impulse purchases by implementing a "wait 24 hours" rule before buying non-essential items.

Keeping Up with the Joneses: Trying to maintain a lifestyle comparable to what you perceive others have can lead to financial strain. Social media can exacerbate this by showcasing unrealistic portrayals of wealth.

How to Quit: Focus on your own financial goals and priorities, not what others have. Unfollow accounts that promote unrealistic spending habits. Be grateful for what you already have.

Living Paycheck to Paycheck: Many people find themselves constantly on the edge financially, with their income barely covering their monthly expenses. This leaves them vulnerable to financial shocks and hinders saving for long-term goals.

How to Quit: Create a budget that allocates your income towards essential expenses, savings, and some discretionary spending. Explore ways to increase your income through side hustles or promotions.

Ignoring Debt: Debt, especially high-interest credit card debt, can be a major drain on your finances. Minimum payments only cover interest, leaving the principal untouched.

How to Quit: Develop a plan to pay off high-interest debt first. Consider strategies like the debt snowball or avalanche method. Reduce your credit card usage and prioritize paying off the balance each month.

Not Saving Enough: Saving is crucial for building financial security and achieving long-term goals like retirement or a down payment on a house. Many people underestimate how much they need to save and don't prioritize it in their budget.

How to Quit: Automate your savings by setting up a recurring transfer to your savings account. Pay yourself first – treat savings like a bill that must be paid before you spend your money elsewhere.

Once you start to form a good relationship with yourself, then only you can become a good investor. Once you have taken care of the above, start learning about stock investing or get assistance from an AI stock advisor to start investing without learning much about the market.

To know more visit - https://jarvisinvest.com/

[priyashareindia9]

Investing in mutual funds offers a convenient and diversified approach to grow your wealth over time. However, with a plethora of options available, choosing the right mutual fund that aligns with your investment goals can be daunting. Let us explore the key factors to consider for a mutual fund investment and find out which are the best performing SWP mutual funds in India in 2024. 

[in-sightjournal]

Ask A Genius 990: How do we monetize this?

Rick Rosner: So Carole periodically freaks out about money, worried that we’ll get old and sick and the medicine or long-term care will cost a ton of money. It already costs a lot, and prices keep going up. So she’s afraid we’ll run out of money, and she’s asking you and me how we can monetize this. We’ve been doing it for ten years and have probably generated more than a million words about…

[finanthropy]

Top Stocks to Invest in for Long-Term Growth!

Top Stocks to Invest in for Long-Term Growth!

Are you looking to invest your money for long-term growth? If so, you're in the right place. In this article, we'll explore some of the best stocks to consider for your long-term investment portfolio.

Before we dive in, it's important to understand that investing in stocks comes with risks. The stock market can be volatile, and there are no guaranteed returns. However, by investing in solid companies with strong fundamentals and growth potential, you can increase your chances of achieving long-term success.

1) Technology Giants

The technology sector is a prime candidate for long-term growth. Companies like Apple, Microsoft, and Amazon have proven their ability to innovate and adapt to changing market conditions. These tech giants have diverse product lines, strong brand recognition, and a loyal customer base. As technology continues to evolve, these companies are well-positioned to capitalize on new opportunities.

# Apple

Apple Inc. is one of the most recognizable names in the world. Known for its innovative products such as the iPhone, iPad, and Mac, Apple has built a robust ecosystem that keeps customers engaged and coming back for more. The company’s commitment to innovation is evident in its continual release of new products and services. For instance, the Apple Watch and AirPods have opened up new revenue streams, while services like Apple Music, iCloud, and the App Store provide recurring income.

Moreover, Apple's dedication to research and development ensures it stays ahead of technological trends. The company is heavily invested in areas such as augmented reality (AR), artificial intelligence (AI), and autonomous vehicles. These ventures not only diversify its product portfolio but also pave the way for future growth. With a strong financial position and a history of delivering value to shareholders through dividends and stock buybacks, Apple is a solid choice for long-term investors.

# Microsoft

Microsoft Corporation is another technology behemoth that has demonstrated remarkable resilience and growth. Originally known for its Windows operating system and Office productivity suite, Microsoft has successfully transformed itself into a leader in cloud computing and enterprise solutions. Azure, Microsoft’s cloud platform, has seen exponential growth, becoming a key driver of the company’s revenue.

In addition to cloud computing, Microsoft’s investments in AI, machine learning, and the Internet of Things (IoT) position it well for future technological advancements. The company’s acquisition strategy, including notable purchases like LinkedIn, GitHub, and ZeniMax Media, enhances its capabilities and market reach.

Microsoft’s commitment to innovation and strategic expansion has also led to the growth of its Surface hardware line and Xbox gaming division. These diverse revenue streams contribute to the company’s stability and growth prospects. Microsoft’s strong balance sheet, consistent revenue growth, and shareholder-friendly policies make it a compelling long-term investment.

# Amazon

Amazon.com Inc. started as an online bookstore but has since grown into a global e-commerce and cloud computing giant. Its relentless focus on customer satisfaction and operational efficiency has set it apart from competitors. Amazon’s e-commerce platform dominates the market, thanks to its vast selection of products, competitive pricing, and fast delivery services.

Amazon Web Services (AWS), the company’s cloud computing division, is a major growth engine, providing a wide range of services to businesses worldwide. AWS’s leadership in cloud infrastructure underscores Amazon’s ability to capitalize on the ongoing digital transformation across industries.

Beyond e-commerce and cloud computing, Amazon continues to explore and innovate in various fields. Its investments in artificial intelligence, logistics, and even entertainment through Amazon Prime Video showcase its versatility and ambition. With a robust growth strategy and a culture of innovation, Amazon remains a top contender for long-term investment.

Investing in technology giants such as Apple, Microsoft, and Amazon offers significant potential for long-term growth. These companies have demonstrated their ability to innovate, adapt, and expand into new markets, ensuring they remain at the forefront of technological advancements. Their strong financial performance, diverse product lines, and commitment to shareholder value make them reliable choices for investors seeking sustained growth. As technology continues to evolve, these giants are well-positioned to leverage new opportunities, making them ideal for those looking to invest for the long haul.

2) Healthcare Innovators

The healthcare industry is another promising sector for long-term growth. Companies like Johnson & Johnson, Pfizer, and Merck are at the forefront of developing new drugs and medical treatments. With an aging population and increasing demand for healthcare services, these companies are likely to experience sustained growth in the coming years.

# Johnson & Johnson

Johnson & Johnson (J&J) is a well-established name in the healthcare industry. It has a diverse portfolio that includes pharmaceuticals, medical devices, and consumer health products. J&J is known for its robust research and development (R&D) efforts, which have led to the creation of groundbreaking treatments for various diseases. One of its most notable achievements is the development of the Janssen COVID-19 vaccine.

J&J’s strong pipeline of new drugs and its continued investment in innovative treatments make it a reliable choice for long-term investors. Additionally, the company’s consumer health division, which produces well-known brands like Band-Aid and Tylenol, provides a steady stream of revenue. This diversification helps J&J weather market fluctuations and maintain stable growth.

# Pfizer

Pfizer is another major player in the healthcare industry. The company gained significant attention for its role in developing one of the first COVID-19 vaccines in partnership with BioNTech. This achievement highlighted Pfizer’s capability to respond quickly to global health crises and cemented its reputation as a leader in vaccine development.

Beyond COVID-19, Pfizer has a strong pipeline of new drugs targeting various therapeutic areas, including oncology, immunology, and rare diseases. Its commitment to innovation and extensive R&D investments position it well for future growth. As the global population ages and the need for effective treatments for chronic diseases increases, Pfizer’s role in the healthcare sector is set to expand.

# Merck

Merck, also known as MSD outside the United States and Canada, is renowned for its research-driven approach to healthcare. The company has made significant advancements in oncology, with its blockbuster drug Keytruda leading the way in cancer immunotherapy. Keytruda has become one of the top-selling cancer treatments globally, and its success showcases Merck’s expertise in developing cutting-edge therapies.

Merck’s focus extends beyond oncology, with substantial efforts in vaccines, infectious diseases, and animal health. This diversified approach not only enhances its growth prospects but also provides stability in various market conditions. With an aging population and increasing healthcare demands, Merck’s innovative solutions are poised to meet the challenges of the future.

* Why Healthcare Innovators Are a Smart Investment

The healthcare industry is uniquely positioned for long-term growth due to several key factors:

Aging Population: As the global population ages, the demand for healthcare services and treatments is expected to rise significantly. Companies that lead in developing effective therapies for age-related conditions will benefit from this trend.

Technological Advancements: Innovations in biotechnology, personalized medicine, and medical devices are transforming healthcare. Companies that invest in these areas are likely to see substantial growth as new treatments and technologies emerge.

Global Health Challenges: The ongoing need to address global health challenges, such as pandemics and chronic diseases, ensures a continuous demand for new and effective medical solutions. Healthcare innovators are at the forefront of these efforts, making them valuable long-term investments.

Government and Private Sector Support: Governments and private entities worldwide are investing heavily in healthcare infrastructure and R&D. This support enhances the capabilities of healthcare companies to innovate and deliver new treatments.

These companies are not only leading the charge in developing new drugs and medical treatments but are also well-positioned to meet the growing global demand for healthcare services. With a focus on innovation and a commitment to addressing critical health challenges, these stocks are a smart choice for investors looking to build a resilient and growth-oriented portfolio.

3) Consumer Staples

Consumer staples companies are known for producing essential household items that people need every day. These companies are considered defensive investments because their products remain in demand no matter the state of the economy. Even when times are tough, people still buy toothpaste, laundry detergent, and soft drinks. This consistent demand makes consumer staples stocks a solid choice for long-term investors.

Here are three top consumer staples companies to consider for your investment portfolio:

# Procter & Gamble (P&G)

Procter & Gamble is a giant in the consumer goods industry. They produce a wide range of household products, from cleaning supplies to personal care items. Some of their well-known brands include Tide, Gillette, and Pampers. P&G's products are used daily by millions of people around the world, ensuring a steady stream of revenue.

One of the reasons P&G is a good investment is its ability to innovate and adapt. The company continuously updates its product lines and invests in marketing to stay ahead of competitors. Additionally, P&G has a strong track record of paying dividends, which can provide investors with a regular income stream.

# Coca-Cola

Coca-Cola is another household name that has stood the test of time. As one of the largest beverage companies globally, Coca-Cola offers a diverse range of products, including sodas, juices, and bottled water. The company's extensive distribution network ensures that its products are available almost everywhere, contributing to its consistent sales.

Coca-Cola's brand recognition and loyalty are unparalleled. People often reach for a Coke out of habit, and the company’s marketing efforts keep the brand at the forefront of consumers' minds. Moreover, Coca-Cola has been expanding its product portfolio to include healthier options and other beverages, which helps attract a broader customer base.

# PepsiCo

PepsiCo is another major player in the consumer staples sector. While best known for its Pepsi soft drinks, the company also owns a variety of other popular brands like Frito-Lay, Gatorade, and Quaker Oats. This diversification helps PepsiCo maintain a stable revenue stream, even if one product line underperforms.

PepsiCo’s strength lies in its ability to innovate and cater to changing consumer preferences. The company has made significant investments in healthier snacks and beverages, recognizing the growing demand for better-for-you options. Additionally, PepsiCo has a strong presence in emerging markets, which offers growth opportunities as these economies expand.

*  Why Invest in Consumer Staples?

Investing in consumer staples offers several advantages:

Stability: The demand for essential goods remains steady even during economic downturns. This stability can protect your investment portfolio during volatile market conditions.

Inelastic Demand: Consumer staples products are relatively inelastic, meaning that people will continue to buy them even if prices rise. This inelasticity ensures that these companies can maintain their revenue and profit margins.

Dividends: Many consumer staples companies have a history of paying dividends. This can provide a steady income stream for investors, making these stocks attractive for those looking for both growth and income.

When building a long-term investment portfolio, it's important to include companies that offer stability and consistent growth. Consumer staples companies like Procter & Gamble, Coca-Cola, and PepsiCo fit this criteria perfectly. Their essential products, strong brand recognition, and ability to adapt to market changes make them reliable choices for long-term growth. By investing in these companies, you can help safeguard your portfolio against economic fluctuations and enjoy the benefits of steady, long-term returns.

4) Dividend Aristocrats 

When it comes to investing for the long term, one category of stocks that stands out is the Dividend Aristocrats. These are companies that have a history of not just paying dividends but increasing them every year for at least 25 years. This remarkable track record makes them attractive to investors who seek both steady income and potential for capital growth.

*  Why Choose Dividend Aristocrats?

Stability and Reliability:

Dividend Aristocrats are usually well-established companies with strong financial health. They have weathered various economic cycles, from booms to recessions, and have consistently performed well enough to increase their dividends each year. This stability and reliability can provide a sense of security for investors.

Steady Income:

One of the main benefits of investing in Dividend Aristocrats is the reliable dividend income they provide. Dividends are payments made by a company to its shareholders, usually in the form of cash. Since these companies have a long history of increasing dividends, investors can expect a steady and growing income stream over time. This can be particularly appealing for retirees or anyone looking to supplement their income.

Potential for Capital Appreciation:

While dividends provide a regular income, the stocks of Dividend Aristocrats can also appreciate in value over the long term. These companies are often leaders in their industries with solid business models, which can lead to sustained growth in their stock prices. This combination of dividend income and potential stock price appreciation can significantly enhance the overall return on investment.

*  Examples of Dividend Aristocrats

# Exxon Mobil:

Exxon Mobil is one of the world's largest publicly traded oil and gas companies. It has a strong global presence and a diversified portfolio that includes oil, gas, and chemical operations. Despite the volatility in the energy market, Exxon Mobil has consistently increased its dividends, making it a reliable choice for income-focused investors.

# Walmart:

Walmart is a retail giant known for its extensive network of stores and robust e-commerce platform. It has a proven ability to adapt to changing market conditions and consumer preferences. Walmart's consistent dividend growth reflects its solid financial performance and commitment to returning value to shareholders.

# 3M Company:

3M is a diversified technology and manufacturing company with operations in various sectors, including healthcare, consumer goods, and industrial products. Its innovation-driven approach and diverse product portfolio have enabled it to maintain steady growth. The company's long history of increasing dividends highlights its strong financial management and shareholder-friendly policies.

These companies' ability to increase their dividends year after year demonstrates their resilience and financial strength. By adding stocks like Exxon Mobil, Walmart, and 3M to your portfolio, you can benefit from the stability, reliable income, and potential capital appreciation these Dividend Aristocrats offer. As with any investment, it's important to conduct your own research and consider your financial goals and risk tolerance before making decisions.

5) Exchange-Traded Funds (ETFs)

Investing in individual stocks can be rewarding, but it also comes with significant risks. If you're looking for a safer and more diversified way to grow your wealth over the long term, consider Exchange-Traded Funds (ETFs). ETFs are a collection of stocks, bonds, or other securities that offer exposure to various sectors or indexes, allowing you to invest in a broad range of companies without having to pick individual winners.

*  What Are ETFs?

ETFs work by pooling together funds from many investors to purchase a diversified portfolio of assets. This means that when you buy shares of an ETF, you own a small piece of every asset within that fund. ETFs trade on stock exchanges just like individual stocks, making them easy to buy and sell.

*  Benefits of Investing in ETFs

Diversification: One of the most significant advantages of ETFs is diversification. By investing in an ETF, you spread your investment across many different companies and sectors. This diversification helps reduce the risk that comes with investing in individual stocks. If one company or sector underperforms, it won't drastically affect your overall investment.

Lower Costs: ETFs generally have lower expense ratios compared to mutual funds. This means you pay less in fees, which can significantly boost your returns over time. Most ETFs also have low transaction costs, making them a cost-effective way to invest.

Flexibility: ETFs trade on major stock exchanges, so you can buy and sell them throughout the trading day at market prices. This flexibility allows you to react quickly to market changes, unlike mutual funds, which can only be traded at the end of the day.

Transparency: Most ETFs disclose their holdings daily, so you always know exactly what you're invested in. This transparency can help you make more informed investment decisions.

*  Popular ETFs for Long-Term Growth

For investors seeking long-term growth, certain ETFs have stood out due to their performance and diversification. Here are two popular choices:

Vanguard Total Stock Market ETF (VTI): This ETF aims to track the performance of the CRSP US Total Market Index, which includes virtually all investable U.S. stocks. By investing in VTI, you gain exposure to large-cap, mid-cap, and small-cap stocks across various sectors. This comprehensive coverage makes VTI a solid choice for long-term growth.

Invesco QQQ Trust (QQQ): The QQQ tracks the Nasdaq-100 Index, which includes 100 of the largest non-financial companies listed on the Nasdaq stock exchange. This ETF is heavily weighted towards the technology sector, featuring industry giants like Apple, Amazon, and Microsoft. If you believe in the long-term potential of tech and innovation, QQQ could be a great addition to your portfolio.

*  How to Get Started with ETFs

Do Your Research: Before investing, take the time to understand the ETF's objectives, the index it tracks, and its expense ratio. Look at the historical performance and the sectors it covers.

Choose a Brokerage: You'll need a brokerage account to buy and sell ETFs. Many online brokers offer commission-free trading for ETFs, making it easier to get started.

Diversify Your Portfolio: While ETFs are diversified, it's still important to diversify your overall investment portfolio. Consider investing in a mix of domestic and international ETFs, as well as those that cover different sectors.

Invest Regularly: Consider setting up automatic investments to consistently add to your ETF holdings. This strategy, known as dollar-cost averaging, can help reduce the impact of market volatility.

Investing in ETFs can be a smart way to build wealth over time. With their diversification, low costs, and flexibility, ETFs offer a balanced approach to achieving long-term growth while minimizing risk. Whether you're new to investing or looking to enhance your portfolio, ETFs provide an accessible and effective way to reach your financial goals.  

“Remember, investing in stocks for long-term growth requires patience, discipline, and a diversified portfolio. It's essential to conduct thorough research, understand your risk tolerance, and regularly review your investments. Additionally, consider seeking advice from a qualified financial advisor to develop a strategy that aligns with your financial goals and risk profile. By investing in stocks with strong fundamentals, growth potential, and a proven track record, you can position yourself for long-term success. Whether you choose to invest in individual stocks or diversify through ETFs, the key is to remain patient, stay informed, and consistently contribute to your investment portfolio over time.”

FINANTHROPY-

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[tyrianludaship]

ngl i like kpop but the fans scare me. idk what it is abt these dancing men and women that makes people this unhinged but it's like they can't like the music casually they have to sell their souls to their idols.

The less i speak about Sasaeng k-pop fans, the better.