#benefits of investing in equity shares

[sunnysharmaseo]

What is Equity Investment: Meaning, Types and How to Start

WHAT IS EQUITY INVESTING AND WHY IS IT ESSENTIAL?

Quite often it is exciting to hear stories of how certain stocks in India have multiplied manifold over the last 10-15 years. It is also interesting to see how global and Indian investors have made their fortunes in the equity markets.

Before we get into equity investment, there is an important aspect of risk-return trade-off that we must understand. Compared to bonds and FDs, equity investment is riskier and more volatile. But equities also have the potential for higher returns. The BSE Sensex, which represents 30 of the most liquid stocks on the BSE, has grown from 100 to 66,000 in the last 44 years. That is compounded annual returns of 15.9% each year over the last 44 years. It may not have happened each year, but if you had stuck on, you would have made a lot of profits. That is the core of long term investment in equities.

As the legendary mathematician, Euclid told King Ptolemy, “Your Highness, there is no royal route to geometry.” Similarly, there is no royal route to equity investing. To invest in equity calls for planning, analysis, and the willingness to stay put for the long term.

First things first: What is equity?

Equity is the risk capital for any business. When we buy equity or shares or stocks (they all mean the same), we become part owners of the company. It may be small, but it is still ownership. Returns in equity come from dividends distributed by the company and capital gains when the stock price goes above the purchase price. So, equity is ownership, and as the owner, the equity shareholder has potential to earn higher returns with a higher risk.

That brings us to the next practical question, how to invest in equity? For investing in equity in India, need to open a trading account with a broker and a demat account. Remember, trading account is for transactions and demat account is for holding the shares. Both these accounts are mandatory, as per SEBI regulations. And thanks to digital India, understanding the process of how to open demat account and trading account has become a lot quicker and simpler these days.

Types of equity investment

If you thought that opening a trading and demat account and buying shares was the only way to invest in equities, think again. Here are some other ways of participating in different types of equity shares, apart from direct investing.

A very popular way of investing in equities is the mutual funds route. You can invest in lumpsum or even monthly SIPs.

You can invest in preference shares of a company, which is between a pure equity share and a bond.

It is possible to take on higher risk and invest in private equity (PE), where you actually invest in start-ups.

You can also buy equities via index investing; through index funds and index ETFs (exchange traded funds) mirroring the market as a whole.

Why to invest in equities?

When you decide to invest in equities, your close friends and relatives may caution you about equities being risky. They are correct, to an extent. Equities entail higher risk, but do you know what is the biggest risk? It is not taking enough risk when you can afford it. It is looking beyond the risk of investing in share market.

If at the age of 25, you put all your money in bank deposits, your money may be safe, but it will yield nothing after inflation. Equities, not only beat inflation, but also create wealth in the long term. For example, by putting Rs. 5,000 a month in an equity fund giving 14% a year for 25 years, you end up with Rs. 1.36 crore on an investment of Rs. 15 lakhs. That is the power of sustained long-term investment in equities.

Key benefits of investing in equity shares

How do investors benefit by investing in equity shares? Here is a sampler.

Equities are the most reliable asset class to create wealth over 8-10 years and above.

A portfolio of 8-10 stocks can diversify risk. Alternatively, you may opt for an equity mutual fund.

Transfer of shares is simple and can be done by giving instructions online.

You can monitor the portfolio value live on your trading platform 24X7.

Equities are taxed lower compared to FDs and bonds.

How to start investing in equities?

The first step is to understand the risk and return in equities. Once you are mentally prepared for equities, the next step is to open a trading account and demat account with a broker and activate online trading.

Once you fund your trading account, you are all set to invest in equities. Don’t get carried away by tips and rumours on multi-baggers. Rely on solid research to identify quality stocks, monitor these stocks, and stick to them for the long haul. Equities manage risk and returns much better in the long run.

Risks of stock market investing

Stock market or equity investing is more volatile and unpredictable in the short term, but more consistent over the long term. Secondly, buy quality stocks or rely on the power of equity mutual funds. Thirdly, be patient with equities. Don’t expect miracles to happen. If you want instant gratification, stock market is not the place to be. Lastly, factors outside your control can often hit equities. You may have little control over what is happening in Russia or Israel. The best way to manage the risk of investing in share market is to diversify your portfolio.

Equity is not a luxury but a necessity if you want to create wealth in the long run. As Warren Buffett summed it up in his 1987 letter to shareholders: “In the short run, stock market is like voting machine, but in the long run it works like a weighing machine.”

Source: https://www.sbisecurities.in/blog/all-about-equity-investment

[liberaljane]

Increased accessibility benefits EVERYONE!

Here are some ways YOU can advocate for increased accessibility:

Online:

Use alt-text to describe any images

Record events

Have closed captioning

Share content warnings

Avoid flashing lights or imagery

At Work:

Invest in meaningful Diversity, Equity & Inclusion Initiatives

Provide more PAID time off

Avoid ableist language (like 'lame' or 'crazy')

Provide remote working options

UNIONIZE!

For In-Person Events:

Communicate ANY walking distance (in distance, not minutes!)

Include information about public transit

Provide gender neutral bathrooms

Avoid heavy perfumes or scents

Hire sign language interpreters

Created by Liberal Jane and Sex Ed with DB

[meret118]

A new report from Popular Democracy and the Institute for Policy Studies reveals how billionaire investors have become a major driver of the nationwide housing crisis. They summarize in their own words:

Billionaire-backed private equity firms worm their way into different segments of the housing market to extract ever-increasing rents and value from multi-family rental, single-family homes, and mobile home park communities.— Global billionaires purchase billions in U.S. real estate to diversify their asset holdings, driving the creation of luxury housing that functions as “safety deposit boxes in the sky.” Estimates of hidden wealth are as high as $36 trillion globally, with billions parked in U.S. land and housing markets. — Wealthy investors are acquiring property and holding units vacant, so that in many communities the number of vacant units greatly exceeds the number of unhoused people. Nationwide there are 16 million vacant homes: that is, 28 vacant homes for every unhoused person. — Billionaire investors are buying up a large segment of the short-term rental market, preventing local residents from living in these homes, in order to cash in on tourism. These are not small owners with one unit, but corporate owners with multiple properties. — Billionaire investors and corporate landlords are targeting communities of color and low-income residents, in particular, with rent increases, high rates of eviction, and unhealthy living conditions. What’s more, billionaire-owned private equity firms are investing in subsidized housing, enjoying tax breaks and public benefits, while raising rents and evicting low-income tenants from housing they are only required to keep affordable, temporarily.

. . .

Thirty-two percent is the magic threshold, according to research funded by the real estate listing company Zillow. When neighborhoods hit rent rates in excess of 32 percent of neighborhood income, homelessness explodes. And we’re seeing it play out right in front of us in cities across America because a handful of Wall Street billionaires are making a killing.

As the Zillow study notes:

“Across the country, the rent burden already exceeds the 32 percent [of median income] threshold in 100 of the 386 markets included in this analysis….”And wherever housing prices become more than three times annual income, homelessness stalks like the grim reaper.

That Zillow-funded study laid it out:

“This research demonstrates that the homeless population climbs faster when rent affordability — the share of income people spend on rent — crosses certain thresholds. In many areas beyond those thresholds, even modest rent increases can push thousands more Americans into homelessness.”This trend is massive.

. . .

As noted in a Wall Street Journal article titled “Meet Your New Landlord: Wall Street,” in just one suburb (Spring Hill) of Nashville:

“In all of Spring Hill, four firms … own nearly 700 houses … [which] amounts to about 5% of all the houses in town.”

This is the tiniest tip of the iceberg.

“On the first Tuesday of each month,” notes the Journal article about a similar phenomenon in Atlanta, investors “toted duffels stuffed with millions of dollars in cashier’s checks made out in various denominations so they wouldn’t have to interrupt their buying spree with trips to the bank…”

The same thing is happening in cities and suburbs all across America; agents for the billionaire investor goliaths use fine-tuned computer algorithms to sniff out houses they can turn into rental properties, making over-market and unbeatable cash bids often within minutes of a house hitting the market.

. . .

As the Bank of International Settlements summarized in a 2014 retrospective study of the years since the Reagan/Gingrich changes in banking and finance:

“We describe a Pareto frontier along which different levels of risk-taking map into different levels of welfare for the two parties, pitting Main Street against Wall Street. … We also show that financial innovation, asymmetric compensation schemes, concentration in the banking system, and bailout expectations enable or encourage greater risk-taking and allocate greater surplus to Wall Street at the expense of Main Street

.”It’s a fancy way of saying that billionaire-owned big banks and hedge funds have made trillions on housing while you and your community are becoming destitute.

. . .

Turns out it was Blackstone Group, now the world’s largest real estate investor run by a major Trump supporter. At the time they were buying $150 million worth of American houses every week, trying to spend over $10 billion. And that’s just a drop in the overall bucket.

As that new study from Popular Democracy and the Institute for Policy Studies found:

“[Billionaire Stephen Schwarzman’s] Blackstone is the largest corporate landlord in the world, with a vast and diversified real estate portfolio. It owns more than 300,000 residential units across the U.S., has $1 trillion in global assets, and nearly doubled its profits in 2021. “Blackstone owns 149,000 multi-family apartment units; 63,000 single-family homes; 70 mobile home parks with 13,000 lots through their subsidiary Treehouse Communities; and student housing, through American Campus Communities (144,300 beds in 205 properties as of 2022). Blackstone recently acquired 95,000 units of subsidized housing.”

In 2018, corporations and the billionaires that own or run them bought 1 out of every 10 homes sold in America, according to Dezember, noting that:

“Between 2006 and 2016, when the homeownership rate fell to its lowest level in fifty years, the number of renters grew by about a quarter.”

And it’s gotten worse every year since then.

. . .

Warren Buffett, KKR, and The Carlyle Group have all jumped into residential real estate, along with hundreds of smaller investment groups, and the National Home Rental Council has emerged as the industry’s premiere lobbying group, working to block rent control legislation and other efforts to control the industry.

As John Husing, the owner of Economics and Politics Inc., told The Tennessean newspaper:

“What you have are neighborhoods that are essentially unregulated apartment houses. It could be disastrous for the city.”

As Zillow found:

“The areas that are most vulnerable to rising rents, unaffordability, and poverty hold 15 percent of the U.S. population — and 47 percent of people experiencing homelessness.”

. . .

The loss of affordable homes also locks otherwise middle class families out of the traditional way wealth is accumulated — through home ownership: over 61% of all American middle-income family wealth is their home’s equity.

And as families are priced out of ownership and forced to rent, they become more vulnerable to homelessness.

Housing is one of the primary essentials of life. Nobody in America should be without it, and for society to work, housing costs must track incomes in a way that makes housing both available and affordable.

Singapore, Denmark, New Zealand, and parts of Canada have all put limits on billionaire, corporate, and foreign investment in housing, recognizing families’ residences as essential to life rather than purely a commodity. Multiple other countries are having that debate or moving to take similar actions as you read these words.

To address the housing shortage and bring down prices for renters and homeowners alike, the Harris campaign’s plan calls for a historic expansion of the Low-Income Housing Tax Credit (LIHTC) and the first-ever tax incentive for homebuilders who build starter homes sold to first-time homebuyers. Building upon the Biden-Harris administration’s proposed $20 billion innovation fund, the campaign proposes a $40 billion fund that would support local innovations in housing supply solutions, catalyze innovative methods of construction financing, and empower developers and homebuilders to design and build affordable homes.

To cut red tape and bring down housing costs, the plan calls for streamlining permitting processes and reviews, including for transit-oriented development and conversions. The agenda also proposes making certain federal lands eligible to be repurposed for affordable housing development. Collectively, these policy proposals seek to create 3 million homes in the next four years.

The campaign plan cites the Biden-Harris administration’s ongoing actions to support the lowest-income renters, including its actions to expand rental assistance for veterans and other low-income renters, increase housing supply for people experiencing homelessness, enforce fair housing laws, and hold corporate landlords accountable.

Building upon these commitments, the Harris agenda calls upon Congress to pass the “Stop Predatory Investing Act,” which would remove key tax benefits for major investors who acquire large numbers of single-family rental homes (see Memo, 7/17/23), and the “Preventing the Algorithmic Facilitation of Rental Housing Cartels Act,” which would crack down on algorithmic rent-setting software that enables price-fixing among corporate landlords.

To make homeownership attainable, Vice President Harris’s proposal would provide up to $25,000 in downpayment assistance for first-time homebuyers who have paid their rent on time for two years. First-generation homeowners – those whose parents did not own homes – would receive more generous assistance.

Vice President Harris’s economic agenda also includes proposals to lower grocery costs, lower the costs of prescription drugs and relieve medical debt, and cut taxes for workers and families with children. The plan would restore the American Rescue Plan’s expanded Child Tax Credit, which provided up to $3,600 per child for low- and middle-income families for one year before it expired in 2022, and would enact a new $6,000 tax credit for families in the first year after their child is born. These measures to reduce expenses and boost household income would also improve housing security for low-income families, who often face impossible tradeoffs between paying rent and affording food, medical care, and other basic needs.

-----

Sorry for the length, but I thought this was really important.

[thatbadadvice]

Help! My Girlfriend Bought Me A Million Dollar House And Raised My Kids And All I Got Was This Million Dollar House And Someone To Raise My Kids, When Is It Finally Going To Be My Turn To Get A Break??????

Pay Dirt, Slate, 17 April 2023:

Dear Pay Dirt, My longterm girlfriend and I disagree about whether a $30,000 inheritance left to her by her great-aunt should be “her” money or “our” money. She wants to spend a large part (almost a third!) of it on expensive supplies for her hobby. I think that we should save most of it and use some of it on a vacation since we both find traveling extremely romantic. My argument is: 1) I don’t care about her hobby, but we’ll both enjoy a trip abroad; 2) we’ve lived on only my (admittedly low, since it’s academia) income for over a decade, so according to her own rule about entitlement to “her” windfall, shouldn’t she technically have been entitled to none of my wages all these years? Her argument is: 1) she had to put aside her hobby for many years to raise our children (it’s not a safe art form for young kids to be around) and yearns to return to it; 2) she paid entirely in cash for our $950k house at the beginning of our partnership (though my income pays the property taxes and maintenance costs), therefore she alleges that we haven’t actually been living on solely my income because I’ve been saving on rent all these years. I feel resentful of the double standard about control over finances and hurt that she would rather prioritize her own joy over our shared joy. She feels impatient to reconnect with her hobby and hurt that her contributions to our lifestyle are unseen. How do we reconcile our different viewpoints? How should the money be allocated? Is there something that we’re missing? —I’m About to Glass(Blow) a Fuse

Dear About to (Glass)Blow a Fuse,

I hope you don't mind that I corrected your very clever parenthetical sign-off! You're understandably dealing with a lot of hurt right now at the hands of the cruel and self-absorbed girlfriend who bought you a million-dollar home and abandoned her beloved hobby to raise your children, so I totally get why a brilliant, overworked, and under-appreciated academic genius such as yourself would fuck up something so incredibly simple and obvious, you poor thing. Really speaks to the distress you're in as the victim of this woman's sordid scheme to steal every ounce of joy from your life by experiencing some of her own after decades of managing your household for you for free.

Great relationships are built on the exactly equal division of all resources, and it sounds like your girlfriend has trouble grasping this because she seems to believe that the home you live in and the time she has invested raising your children for you have value, when of course they do not. The only thing that has value in this world is cash money, which is why we call it money. If parenting were valuable, you'd be able to trade it on the stock market! And what was your girlfriend going to do, not live in a house? These are things she'd have done with her life anyway, and they don't get to count toward her contribution to the household just because she did them for and with you instead of expressly and specifically pursuing her art. Whereas who knows what you could have done with your life if you hadn't been locked into a free house and a partner dedicating herself full-time to keeping your children alive for you?

Now, after all these years of being nothing but a worthless freeloader whom you support out of the generous goodness of your kind heart, your girlfriend has finally acquired something of value, and she wants to keep an entire third of it for herself? To do something that doesn't directly benefit, enrich, or entertain you personally? That's not equity, and it's certainly no way to repay you for periodically writing checks to the plumber. Isn't it about time you finally got something out of all of this for your trouble?

What benefit is there for you in having a partner who enjoys the sweet satisfaction of creative fulfillment after years of yearning to express herself? What kind of weirdo wants their girlfriend to have her own interests? And what kind of ungrateful hussy doesn't jump to spend thousands of her own money on a romantic vacation with someone who actively resents even entertaining the possibility of the idea of her doing something that makes her artistic spirit sing?

The balance sheet of this relationship is indeed all out of whack, and it's too bad that it's taken this long for your girlfriend to see just how uneven your bargain has been. If we're going to get technical about what has "value" in a relationship — and it does seem like your girlfriend is an inveterate bean-counter in the worst way around this stuff — the best way to reconcile your mutual account, as it were, is to present your girlfriend with an itemized bill for all the services you have provided her over the years, such as allowing her to buy you a home, permitting her to forego a wage-earning career, and gifting her with the opportunity to abandon her favorite hobby. That should pretty swiftly put everything you're "missing" in stark relief, and solve the question of how she should allocate her money in the future.

[mariacallous]

At the end of 2025, the individual provisions of the Tax Cuts and Jobs Act of 2017 (TCJA) will expire unless Congress acts. Since the law’s passage, criticism has centered on how the law disproportionately reduced taxes for high-income households. Thus, there is good reason to think that any tax bill that addresses these provisions will have to grapple with the broader question of how best to tax high-income households. We address these issues in a new paper in Tax Notes and a short policy brief.

Why is the structure of high-income household taxation important? First, these households earn a significant share of overall income and have substantial ability to pay taxes. As a result, they are expected to bear a significant share of the tax burden. This is a crucial issue to debate but not the one we examine here.

Instead, we focus on better ways to tax the affluent, holding constant the tax burden they bear. A key fact is that affluent households earn income in different forms than the general population. According to IRS data, the top .01% of households by income (the top 1 in 10,000) earn roughly 85% of their income from investments and closely-held businesses. In contrast, households in the bottom 80% of the income distribution earn nearly 80% of their income from labor, including wages, salaries, and fringe benefits.

The taxation of high-income households can create distortions that affect the overall economic efficiency and horizontal equity of the tax code. In the past decade, much of the debate has centered on how the tax code distorts how much taxable income is reported, in what form that income is reported, and when income is realized. Lawmakers and analysts have also considered how taxation influences the types of investments business make, how businesses finance investments, and what legal forms businesses take.

Improving the taxation of high-income households is not as simple as cutting taxes.  Some tax increases on high-income households would reduce distortions. For example, lawmakers could raise taxes on capital income by limiting the extent to which corporations could deduct net interest expense. This would reduce an existing tax provision that favors debt finance by making the taxation of debt-financed business investment more similar to the taxation of equity-financed investment.

And some tax cuts can increase distortions. The canonical example of this is the TCJA’s 20% deduction for pass-through business income, Section 199A. This deduction greatly increased the incentive for owners of closely-held businesses to report their business income as lower-taxed profits rather than wages. For example, $1 of income would be taxed at a maximum rate of 29.6% if reported as a profit but would be taxed at the federal level at a rate of 40.2% if reported as labor compensation.

Tax policies affecting the affluent have important consequences for the distribution of the tax burden, but also the equity and efficiency of the tax system. Ultimately, lawmakers should approach taxation of affluent households the same way they approach tax reform: Construct a tax system that will raise revenue while minimizing distortions.

[militantinremission]

The Freedman's Bank Forum: The Art of Disenfranchisement

Kamala Harris has hit the Campaign Trail & named Gov. Tim Walz as her Running Mate, but she has yet to give a Press Conference or Mainstream Media Interview. She STILL hasn't offered any Policy Initiatives on her Campaign Website. This has lead some in The New Black Media to look at her Policy Offerings as VP. Sabrina Salvati of Sabby Sabs & Phil Scott of The Afrikan Diaspora Channel both looked at Kamala Harris' 2023 Speech at the Freedman's Bank Forum- for ideas of what a 'Harris- Walz Administration' may look like. In her Speech, Kamala gave a history of The Freedman's Bureau 'Freedman's Bank', Created in 1865. She spoke on why a Specific Bank for the Formerly Enslaved was necessary. She also talked about the Farms, Homes, & Businesses that Freedmen were able to purchase & build through Loans from Freedmen's Bank.

Unfortunately, 9Yrs after its inception, Freedman's Bank was Closed; due to mismanagement, & outright theft of Funds by Congressmen overseeing Bank Operations. Over 61,000 Depositors lost their Funds- estimated at over $3M (over $50M in today's Economy). Kamala sounded like she understood the plight of American Descendants Of Chattel Slavery & Our specific need for resources, but she shifted her narrative fairly quickly. She started by shifting a Black Specific Issue, to an 'All Lives Matter' Issue. Kamala transformed the necessity of a Freedman's Bank to jumpstart Reconstruction, into a need for EVERYONE to have access to (Freedmen) Resources. She starts by mentioning 'Minorities' & 'Marginalized Communities', but goes on to include Latinx, Native American, Asian, & Rural Communities in the Freedman's Bank Story.

Kamala went on to describe one of her Final Acts as a U.S. Senator. This was an Initiative that she helped to set up w/ the help of [Secretary of The Treasury] Janet Yellen, [Senators] Mark Warner, Chuck Schumer, & Corey Booker, plus Rep. Maxine Waters. The Initiative, was a plan to invest $12B in Community Institutions for 'Overlooked & Underserved Communities'... My 1st question is: How many of THOSE INSTITUTIONS are Owned & Operated by Indigenous Black Americans? I only know of ONE in My Community, & David Rockefeller has been invested in them for nearly 30Yrs... Harris says that currently, $8B has been disbursed to 162 'Community Lenders' Nationwide, & gave examples of how the Funds are being disbursed:

Native American Bank lent a Tribe $10M to fund an Opioid Addiction Treatment Facility on Tribal Lands in N. Dakota

Carver Bank, in Ga. loaned $500K to 'Black Owned Companies' to help them develop Low Income Housing

Hope Credit Union, in Ms. gave a $10K Loan to a 'Black & Woman Owned' Coffee Business to expand

Aid to Immigrant Communities, including some Asian Communities

Aid to 'Rural Communities'

Maybe it's just Me, but I find it curious how the Freedman's Bank Legacy is being 'repackaged'. Under Kamala Harris, a SPECIFIC INSTITUTION meant for American Descendants Of Chattel Slavery, is being usurped to advance EVERYONE; except the Blackfolk it was designed to help. The numbers don't lie. Native American Tribes get Billions a Year in 'Set Asides' & they don't pay Taxes, but Kamala thinks they should also collect $10M meant for Black American interests? Then she brags about Black Businesses that only received 5% of what Native Americans collected from a measure that was supposed to be for Blackfolk. Apparently, Kamala wasn't lying when she said that she wasn't going to do ANYTHING that would only benefit Black Americans.

Like Joe Biden, Kamala Harris talks to Black Audiences about Equity, but only offers Black Americans a small share of what Everyone Else gets. In 2022, The Biden-Harris Administration & Janet Yellen launched the Economic Opportunity Coalition, along w/ 20 Private Sector Leaders. The Goal was to provide & invest Billions in Capital to Community Lenders for 'Minority Owned Businesses'. To date, this Coalition has currently committed over $1.2B to Community Lenders in 'Minority & World Communities'. From what I saw, Puerto Rico & Guam represented 9 of the 13 Minority Depository Institutions (MDIs) awarded Funding. Of the 218 Organizations receiving Technical Awards, 56 were 'MDIs' & 38 were Organizations based in Puerto Rico. True to Form, the Biden- Harris Administration blurs the lines on what a 'Black Owned' Business is; Indigenous Blackfolk, Afro Caribbeans, & Afrikan Immigrants have been lumped into the 'Afrikan American' demographic. Is this Coalition keeping track of how many Freedmen (Male & Female) are receiving Awards?

Kamala's Speech at the 'Freedmen's Bank Forum' completely ignored the Descendants of the Freedmen Community, & Our History of adversity. Despite her disregard of Us, she says this Initiative was created to 'Realize the Vision of Freedmen's Bank'. I see This as a blatant Disenfranchisement of the Black Community that Freedmen's Bank was Chartered to serve. On top of her disingenuous empathy for Black Americans, She has the audacity to call this act of Economic Racism- 'Economic Justice'; & she does it w/ a straight face. I thank Sabrina Salvati & Phil Scott for uncovering this particular Policy Measure. Kamala Harris' lack of Policy on her Campaign Website tells Me that she doesn't want Us to know her Plan for the next 4Yrs. She has been called a Leftist & 'the most Progressive Senator in Congress', but her Policies are as Moderate as Joe Biden's.

I fully understand that the Economic Opportunity Coalition (EOC) isn't Freedmen's Bank. If it was presented as a Measure that stood on its own merit, I probably wouldn't have much to say about it. If we're being honest, it falls in line w/ many other Policies of the Biden-Harris Administration. The Fact that Kamala Harris used the Freedmen's Bank Forum to push this Measure, is mean spirited & an insult to Our Ancestors. There's a Legion of Blackfolk & Afrikan Americans trying to certify Kamala's 'Blackness', but she has yet to affirm their claim. She had a chance to refute Donald Trump's assertion, but only offered more rhetoric. The Truth is, SHE'S NOT BLACK! Kamala's Record shows that she spent her Professional Career disenfranchising Us. As District Attorney, she targeted Blackfolk for Arrest on petty Quality of Life Crimes. As Attorney General & as a U.S. Senator, Kamala supported decriminalization of Illegal Border Crossings & the surge of Illegal Immigrants into Black Communities throughout California.

The Black Population in San Francisco, Oakland, Richmond, & Berkeley has dropped by 50% on her Watch. Kamala vacated over 1,000 Criminal Charges against OneWest Bank, George Soros, & Steve Mnuchin- for 'Foreclosure Violations' that cost Hundreds of Black Californians their Homes. Her action allowed Soros to sell OneWest for Billions, while Mnuchin moved on to become Secretary of The Treasury. At the Same Time, she kept Black Inmates imprisoned past their Release Date & denied others Parole; citing the need to maintain a Prison Labor Force (i.e. Convict Leasing). Black Women are siding w/ her, but Harris abandoned the Mitrice Richardson Case after winning her Senate Seat. Kamala also had a hand in stripping the Estate of Nina Simone away from her Surviving Family & awarding All Rights to Sony Music Entertainment. We're supposed to certify this Woman as 'Black', but she has a Legacy of Anti-Black (Aryan) behavior. Her latest act of disenfranchisement is actually Par for The Course.

Some question why Kamala Harris is getting so much heat from Black America? The Short Answer is- She rides on the Coattail of The Black Experience, but does NOTHING for Us Culturally, Socially, or Politically. What's her Black Agenda again? At This Point, We really can't blame Kamala for being consistent. We need to look at the Blackfolk & Afrikan Americans trying to shame us into Falling in Line w/ her Agenda; whatever THAT is...

-We have House Cleaning to do.

[cyberpunkonline]

The Stock Market's Role in Cyberpunk Futures: Speculation Beyond Currency

In the shadow-streaked corridors of cyberpunk fiction, where neon signs flicker against rain-slicked streets and the divide between the powerful and the powerless widens, the stock market emerges not just as a battleground of wealth but as a pivotal narrative device. This genre, known for its gritty exploration of futuristic dystopias dominated by mega-corporations and technological advancements, often delves into unconventional economies. An intriguing aspect of this exploration is the use of stock shares as compensation, a concept highlighted in works like Walter Jon Williams' "Hardwired," where mercenaries and operatives navigate a world where loyalty can be bought with equity.

The Fictional Forefront

In "Hardwired," the characters inhabit a post-catastrophe Earth, engaging in high-stakes missions against the backdrop of corporate warfare. Here, currency transcends traditional boundaries, with stock options serving as payment for services rendered. This mechanism isn't just a quirky detail; it's a reflection of the characters' deep entanglement with the corporations that shape their world. The notion of being paid in stock positions them as stakeholders, literally invested in the success or failure of their corporate benefactors. This intertwining of personal fate with corporate performance underscores the cyberpunk theme of blurred lines between individual and institution.

Such narrative choices speak volumes about the genre's fascination with the fluidity of value and the potential for individuals to navigate, manipulate, or fall victim to these systems. By grounding remuneration in stock, cyberpunk fiction underscores a reality where everything is commodified, and human worth is measured in market potential.

Echoes in Reality

The concept of being compensated with stock, once a speculative fiction trope, now resonates with real-world trends. The proliferation of retail investment platforms and mechanisms has democratized access to equity markets, blurring the lines between professional traders and the general public. This accessibility invites a scenario where companies, especially startups and tech giants, offer stock options as part of compensation packages, embedding employees within the financial fabric of the enterprise.

This trend raises questions about the implications of a society increasingly invested—literally—in the success of corporations. Could this lead to a future where employment and investment are so intertwined that individuals become microcosms of the market? And if so, is this fusion of roles beneficial or detrimental?

Prospects and Pitfalls

The potential benefits of a stock-based compensation system include increased employee loyalty and a vested interest in the company's success. This could foster a culture of innovation and collective effort, driving companies to perform better. Additionally, it democratizes wealth creation, offering individuals a stake in economic growth previously reserved for the elite.

However, the risks are significant. Such a system could exacerbate wealth inequality, with market fluctuations disproportionately affecting those whose livelihoods depend on the performance of their corporate shares. It also raises ethical concerns about the concentration of power and influence within corporations, potentially leading to abuses and exploitation.

Navigating the Dystopia

The cyberpunk narrative of a corporate-led dystopia, then, is not just a cautionary tale but a roadmap of potential realities. It challenges us to consider how close we are to a world where our fortunes are as volatile as the stock market, and where our identities and destinies are intrinsically linked to the corporate entities we serve or oppose.

In this landscape, winning might not mean amassing wealth or stockpiling shares but finding a way to navigate the system without losing one's humanity. It's a delicate balance, one that requires vigilance, adaptability, and, perhaps most importantly, a clear-eyed view of the value we place on ourselves and our labor.

As we edge closer to this speculative future, the questions posed by cyberpunk fiction become increasingly relevant. Is the integration of personal and corporate fortunes a path to empowerment or enslavement? Can individuals thrive in a system where success is measured by market performance? And perhaps most crucially, how do we ensure that in this corporate-led dystopia, people can still win—or at least, find a way to redefine what winning means?

In exploring these questions, cyberpunk fiction doesn't just entertain; it educates and warns, offering a glimpse into a future that might already be upon us. As retail investment mechanisms continue to evolve and the line between employee and investor further blurs, the genre's speculative visions become vital reflections on our collective trajectory. The stock market, in this context, is more than a backdrop—it's a battleground for the soul of society, where the stakes are as personal as they are financial. - REV1

[grassangel]

One of the things that annoys me about billionaire romance/power fantasy books, as a lower-middle class kid who had the fortune to go to semi-private Montessori schools and thus knew upper class kids and is fortunate enough to have inherited some wealth from my deceased dad, is the lack of visible infrastructure to maintain or increase that wealth.

Like yeah, most of it will be invisible or done by people hired by the protagonist but only sometimes will there be a mention of a financial advisor such as an account or bank manager. (Both of which by the way, are not what people with millions of dollars would use as financial advisers. At least not solely.) Wealth management as a service like legal advice, security, household staff (ie cleaning, cooking, landscaping & household maintenance), personal assistance (ie secretarial, health, exercise & nutrition; hair, makeup & clothing) and public relations, where a whole team is involved, is rarely if ever mentioned. There's almost certainly no active management mentioned, just what's in the bank and maybe whatever investments in stocks, businesses and properties a character owns. There aren't discussions about seeking higher returns through private equity or claiming a loss on devaluation of an asset purposefully bought to lower their income (on paper) for tax purposes. There aren't characters talking about how they'll vote at the annual meeting for shares held in direct ownership because they want a board member ousted, or directing their custodian to vote that way. No discussions about the tax rates of investments held in trusts vs held by shell corporations vs held in their name, nor the privacy benefits of the first two.

I know billionaire romances are just fantasy and most people don't care about the economics of wealth, just the projected image of it.

But I think it is morally correct for such authors to do at least a little research into the wealth management of the rich by reading articles like this Financial Times one, and rip away the curtain a little bit to show their readers how billionaires actually obtain their high scores in money. Because it's definitely not through hard work.

[dkaufmandevelopment]

Real Estate vs. Other Investments: Why Property Still Reigns Supreme

When it comes to building wealth, few investments offer the blend of stability and growth that real estate provides. While alternative assets like gold, Bitcoin, and even classic cars have their allure, real estate consistently proves its value as a reliable and hands-on way to grow wealth. Here’s how it compares:

1. Real Estate: Stability and Growth

Real estate investments are known for their long-term stability and potential for equity growth. Since 1975, real estate has delivered average five-year returns of +26%. Beyond returns, property owners benefit from tax advantages like mortgage interest deductions, depreciation, and the ability to defer capital gains through strategies like 1031 exchanges.

For those looking for a more accessible way to invest in property, Real Estate Investment Trusts (REITs) offer liquidity and steady dividends. While REITs lack the direct control of owning property, they provide a way to benefit from the real estate market without the hands-on commitment.

2. Gold: A Hedge, Not Growth

Gold has long been a safe haven for investors seeking stability in uncertain times. While it offers a hedge against inflation, it lacks liquidity and doesn’t generate ongoing income. Furthermore, profits from gold investments are often subject to higher tax rates compared to other assets.

3. Cryptocurrencies: High Risk, High Reward

Cryptocurrencies like Bitcoin promise massive returns but come with extreme volatility. The market’s unpredictability makes crypto an unsuitable option for investors seeking stability or those nearing retirement. While it’s a tempting asset for speculative growth, its lack of regulation and wild price swings make it risky.

4. Alternative Assets: Art, Wine, and Classic Cars

Investing in alternative assets like art, wine, or classic cars can diversify a portfolio but requires specialized knowledge and comes with unique challenges. These markets are often illiquid, and their volatility can rival that of cryptocurrencies.

Why Real Estate Still Wins

Real estate combines the best of both worlds: stability and growth potential. Unlike many other assets, it allows investors to build equity over time while benefiting from predictable income through rental yields. For those who value tangible, hands-on investments, real estate remains the cornerstone of wealth-building strategies.

Whether you’re considering purchasing your first rental property, diversifying with REITs, or simply exploring your options, it’s clear: real estate stands out in the investment landscape.

What’s your take? Are you team real estate, or do you lean toward alternative assets? Share your thoughts below!

[bespokeredmayne]

Report: Eddie Redmayne’s lengthy commitment to Cabaret on Broadway — and its whopping budget

A exclusive report today from Philip Boroff and his Broadway Journal says Eddie Redmayne is committing to an expensive New York production of Cabaret for six months. ‘CABARET’ IS COSTLIEST BROADWAY REVIVAL

by Philip Boroff 

EXCLUSIVE: Investing in Cabaret  at the August Wilson Theatre this spring might seem like a safe bet, after the success of the Kander & Ebb classic in London and earlier productions in New York.

That's until you see the price tag: $24.25 million, a record for a Broadway revival.

Broadway Journal reviewed a preliminary budget and recoupment chart for the transfer from the West End, which is being presented by the multinational theater operator and producer Ambassador Theatre Group and U.K.-based Underbelly, which creates shows and festivals. Tony and Oscar-winner Eddie Redmayne will reprise his role as Kit Kat Club emcee on Broadway. 

Revivals of musicals by John Kander and Fred Ebb have been golden on Broadway, particularly the concert version of Chicago, now in its 27th year; and two Roundabout Theatre Co. engagements of Cabaret. This production, which follows several new musicals into the financial stratosphere, needs to be a smash to repay investors. 

Cabaret‘s largest line item is its $9.4 million physical production. That includes millions from investors to transform the August Wilson into a Weimar-era nightclub, designed by Tom Scutt, where the show will be performed for an audience of about 1050. (There’s also a pre-show with actors and musicians interacting with the audience.) Another $1.5 million is allocated for a “refurbishment reserve,” presumably for cost overruns. A production spokesman declined to comment for this story.

For the 2021 premiere, Ambassador Theatre Group paid most of the expense of renovating London’s Playhouse Theatre (where the show’s performed in the round), someone familiar with the production said. As is standard in the industry, backers benefit from the sale of tickets but don’t share in revenue from drinks or food.

The New York production is what’s known as a related-party transaction: ATG is both producer and landlord. It recently bought a majority stake in the August Wilson along with Jujamcyn Theaters’ four other Broadway venues.

One of the busiest players on Broadway, ATG and subsidiary Sonia Friedman Productions are producing four of the 16 plays and musicals opening this season through December: The Shark is Broken, Gutenberg! The Musical!, Merrily We Roll Along and Appropriate (with Second Stage Theater). It’s controlled by Providence Equity Partners, a mammoth private equity manager that buys companies with the eventual aim of reselling them at a profit.

Cabaret must thrive to survive, requiring a weekly $1.2 million at the box office to pay its bills. That’s one of the biggest nuts on Broadway, even more than the time-travel spectacle Back to the Future projected in its recoupment chart. Back to the Future‘s home, the Winter Garden Theatre, has about 50 percent more seats than the reconfigured August Wilson, which will lose about 200 seats in the renovation.

Investing may be most appealing for patrons who prioritize backing a prestigious and artful show (and a leading Tony contender) over return on investment. Rebecca Frecknall’s dark revival won seven Olivier Awards last year in London, including for Redmayne. He’s committed to reprising his role for six months, two people familiar with the production said. ATG and Underbelly haven’t disclosed details about the transfer, including casting.

When it opened in London in 2021, Cabaret got flak on social media for its prices, now as much as £375 (equivalent to about $465, which includes a light three-course meal and champagne). Producers have told investors that the show played to 96 percent occupancy through July, with the highest average ticket price in London.

Broadway seats may be costlier. The average ticket at 110 percent capacity of the August Wilson — i.e. with premium pricing — is projected to be $248. That’s approaching Hamilton in its peak years, when it was charging as much as $849 a ticket.

If Cabaret can command that $248 average and sell out — grossing $2.1 million a week — recoupment will take about a year. (Hamilton, which cost half as much as Cabaret and has low running costs, was distributing profits six months after opening night.)

By selling out with an average ticket of $176 — Sweeney Todd  territory — Cabaret‘s recoupment would take closer to two and a half years.  With an average ticket of $158 — $1.3 million a week — recoupment would take four and a half years. (Projections in this story are based on recouping $20.9 million, which excludes Cabaret‘s reserves, deposits and advances; and receiving a $3 million state production tax credit, which can take years to get to investors. If the show dips into reserves during construction or the run, recouping may take longer.)

Musical revivals have gotten ever-pricier to produce, but none has approached Cabaret. For example, Sweeney Todd was capitalized at $14.5 million and appears to be on track to recoup later this fall, after about 33 weeks. Hello, Dolly! was capitalized at $16 million in 2017 (about $20 million today) and earned a small profit; last year’s $16.5 million Funny Girl  recouped and is expected to make a profit.

Shows that required extensive renovations have a mixed record. Most recently, Here Lies Love, the $22 million disco-themed historical drama around the corner from the August Wilson, is struggling at the box office; whereas Harry Potter appears to be enjoying a long life in ATG’s souped-up Lyric Theatre, after producers trimmed the two-part show to one. But it arrived from London at considerable expense. In addition to Harry Potter’s $35.5 million capitalization, ATG, which competed against other landlords for the play, spent tens of millions of dollars clearing out and renovating the Lyric, Michael Paulson reported in the New York Times.

Revivals are typically short-lived, Cabaret as well as Chicago being obvious exceptions. The Roundabout Cabaret revival directed by Sam Mendes and Rob Marshall opened at the Henry Miller’s Theatre in 1998 and ran through 2004. It initially starred Alan Cumming, who stepped in again when the Roundabout revisited the revival in 2014.

Two decades ago, the Roundabout bought its revival’s most recent home, Studio 54. The nonprofit company, with help from the city of New York, paid $22.5 million for the real estate, which looks like a bargain today.

[elsa16744]

Unlocking Value Creation: How Private Equity Firms Benefit from Strategic Outsourcing 

Private equity firms prefer efficiency. That is why they adopt strategic outsourcing. Doing so ensures that private equity (PE) professionals have an advantageous position vital to unlocking value creation. In PE strategies, that value creation must encompass all portfolio companies. This post will explain how private equity firms benefit from strategic outsourcing. 

The improvement of operational efficiency translates to better profitability, and professional PE strategists recognize this. After all, similar enhancements boost the companies’ growth potential, making them attractive investments to future buyers. 

The Need for Private Equity Outsourcing 

PE firms can benefit from additional leverage and outsiders’ specialized expertise in investment research services. They can, for instance, successfully decrease costs while fostering more core competencies. Therefore, it is no wonder that faster business transformations powered by strategic outsourcing are popular. Eventually, portfolio firms will yield higher returns on investments, allowing for better exit options. 

How Can Strategic Outsourcing Benefit Private Equity Value Creation? 

1. Cost Efficiency and Operational Improvements 

One immediate advantage of embracing strategic outsourcing in PE activities is cost reduction. It not only saves tremendous expenses but also facilitates economies of scale. As a result, the efficiency of the processes skyrocketed. 

PE firms and strategists have been dealing with standardization challenges. However, professional private equity support teams sport some of the latest in tools and technology to address them. Similar to how an IT enterprise outsources operations to independent specialists, many cost overheads will undergo distribution between the private equity firms and their external associates.  

The sharing of liabilities may involve maintenance, tech upgrades, and cybersecurity considerations. That also entails more effective resource allocation to protect the interests of clients and support providers. 

Outsourcing further allows PE firms to initiate operational improvements rapidly. In this way, PE firms can leverage the expertise of third-party providers to acquire best practices or access the latest technology. 

2. Focus on Core Competencies 

In an industry with high competition, focusing on core competencies is critical for portfolio companies. Otherwise, they will struggle to grow and differentiate themselves. Strategic outsourcing gives a private equity company the ability to transfer some of the auxiliary tasks to others. Doing so helps secure more management bandwidth, which will be necessary to concentrate on integral business activities that deliver robust growth. 

This approach allows leadership teams to focus more time and effort on innovation. They can also enrich customer engagement and strategic initiatives by focusing more on process and vision alignment. Consequently, private equity firms will witness a faster business expansion trajectory. 

More agile business operations to become a stronger market player will further PE firms’ objectives, like seamlessly securing the most attractive acquisition deals. 

3. Quicker Workflow Transformations and Growth Initiatives 

PE firms want to take portfolio companies, focus on value creation, and exit the investments at better returns. In other words, rapid growth acceleration allows private equity firms to exit earlier or ensure better gains. Strategic outsourcing allows scaling capabilities and speeds up the changes, operational or structural, for agility. 

Therefore, if the firm wants to enter new geographies or experiment with alternative trade channels, PE outsourcing service providers could help. They will optimize the capital needed to conduct deal operations while supply chain and leadership evaluation become straightforward. 

Conclusion 

Modern private equity firms use strategic outsourcing as the most effective pathway for value creation across their portfolios. They have acknowledged that outsourcing can help reduce costs, create operational efficiency, and prioritize core practices. 

Besides, screening companies, entering deals, and exiting the market becomes easier as the related sharing of liabilities accelerates growth and resell strategy implementations. Given the hurdles in finding the best talent to plan, lead, and execute private equity transactions, the worth of strategic outsourcing can only be appreciated. 

[miyamatsui]

401(K) INVESTMENT PLAN

Today, I will share with the guys my structured approach to building and managing retirement savings through a 401(k) investment plan. By following this plan, you can achieve financial security in retirement and have a portfolio that balances growth potential with risk management.

Objective: The objective of this 401(k) investment plan is to ensure a well-balanced and diversified portfolio that aligns with long-term financial goals, risk tolerance, and retirement needs. This plan is designed to maximize returns while minimizing risks, taking into account the tax advantages of a 401(k) account.

Assessing Risk Tolerance and Time Horizon

Risk Tolerance: Determine the appropriate level of risk based on personal financial goals, age, and comfort with market volatility. Generally, a higher risk tolerance allows for a greater allocation to equities, while a lower risk tolerance favors bonds and fixed-income investments. Time Horizon: The number of years until retirement is a key factor in deciding the investment strategy. A longer time horizon permits a more aggressive investment approach, while a shorter time horizon necessitates a more conservative allocation.

Diversification Strategy

Equity Investments: Allocate a percentage of the 401(k) to stocks, focusing on a mix of domestic and international equities. Consider including large-cap, mid-cap, and small-cap funds to ensure broad market exposure. Fixed-Income Investments: Invest in bonds and other fixed-income securities to provide stability and income. Consider a mix of government, corporate, and high-yield bonds to diversify risk. Alternative Investments: Depending on the options available within the 401(k) plan, consider allocating a portion of the portfolio to alternative investments such as real estate or commodities to further diversify and hedge against inflation.

Contribution Strategy

Maximize Contributions: Aim to contribute the maximum allowable amount each year to take full advantage of tax deferral benefits. Additionally, contribute enough to qualify for any employer matching contributions, as this represents an immediate return on investment. Regular Contributions: Set up automatic contributions to ensure consistent investment over time. This dollar-cost averaging approach can reduce the impact of market volatility.

Rebalancing and Monitoring

Periodic Rebalancing: Regularly review the portfolio to ensure it remains aligned with the target asset allocation. Rebalance the portfolio at least annually or whenever significant market movements cause a substantial deviation from the original allocation. Monitoring Performance: Continuously monitor the performance of individual investments and the overall portfolio. Make adjustments as needed based on changes in market conditions, personal financial situation, or retirement goals.

Consideration of Tax Implications

Pre-Tax vs. Roth Contributions: Evaluate the benefits of making pre-tax contributions versus Roth (after-tax) contributions based on current and expected future tax rates. Required Minimum Distributions (RMDs): Plan for RMDs starting at age 73 (or the required age based on current regulations) to minimize tax impact and ensure compliance with IRS rules.

Retirement Income Planning

Withdrawal Strategy: Develop a strategy for withdrawing funds during retirement that minimizes tax liability and ensures the longevity of the retirement portfolio. Annuity Consideration: Consider purchasing an annuity with a portion of the 401(k) balance to provide a guaranteed income stream during retirement

[markwatsonsbooks]

#Amreading #Newrelease2024: Prosperity Bonds Agency - Call to Action to G7 by HUSEYIN BURAK ERTEN

Discover the Power of Prosperity Bonds: A Call to Action for the G7

Unlock the potential of innovative financial solutions with "Prosperity Bonds Agency-A Call to Action to G7." This groundbreaking book explores the urgent need for global collaboration to implement prosperity bonds and address the world's most pressing challenges.

In a world where rapid change aligns with the evolving dynamics of geopolitics and our ways of life, H. Burak Erten embarked on a journey to find practical solutions for efficient capital deployment in developed and developing markets. Inspired by Dell Computers' 'Plug and Play' concept, Erten proposes a financial architecture that integrates components already recognized by global capital markets.

The principle of "Share the Risk, Share the Prosperity" promotes the fair and meaningful deployment of resources. Erten's vision is to bridge the gap between developed and emerging markets, fostering a world built on shared values of fairness, equity, respect, inclusivity, and diversity. The proposed G7 bond issuance agency would facilitate low-cost, long-term bond issuances based on the inherent credit ratings of participating nations, leveraging the notion of governments acting as catalysts to mobilize private capital.

Drawing from several capital market structures in the USA and EU, Erten offers numerous benefits for investors through this bond architecture. The strategy relies on risk syndication, ensuring each project is structured as listed bonds in the EU, promoting good corporate governance, transparency, institutionalism, and accountability.

This non-concessionary, profit-oriented entity is designed to prevent wealth transfer from one nation to another, with safeguards to protect G7 taxpayers from defaulted projects. The agency addresses global issues such as economic stimulus, job creation, refugee movements, poverty alleviation, and increased investments in ESG-impact investing.

The book also provides real-world examples and case studies that illustrate the transformative impact of prosperity bonds on developed and emerging markets. It compares prosperity bonds with other initiatives, such as China's Belt and Road and the EU's Global Gateway, highlighting their advantages.

Gain insights into practical steps and strategies for deploying prosperity bonds, from governance structures to risk syndication and stakeholder engagement. Be inspired by a compelling vision for a more equitable and sustainable world, and find out how you can be part of this global movement.

Erten's model is applicable and replicable for many initiatives launched with participating members from other organizations, regional or global. This financial architecture can unlock capital in many other ways with participants of differing natures.

Join the Call to Action movement towards a more prosperous and sustainable world with "Prosperity Bonds Agency - A Call to Action to G7.

Order YOUR Copy NOW: https://amzn.to/4bqhVHY via @amazon

[vishvva]

Amplifying Corporate Social Responsibility Impact: A Collaboration with Marpu Foundation

In today's dynamic landscape of corporate social responsibility (CSR), businesses are increasingly recognizing the imperative of contributing to sustainable development goals (SDGs). CSR underscores the notion that businesses are not just economic entities but also social actors with responsibilities towards stakeholders, communities, and the environment. Strategic collaborations with organizations like the Marpu Foundation present a compelling avenue for businesses to maximize their CSR impact and drive sustainable change.

The Marpu Foundation, led by the esteemed National Youth Awardee, Mr. Kadiri Raghu Vamsi, epitomizes transformation and endeavors to catalyze positive change in society. Recognized as "The Best NGO in India" in 2020, the foundation envisions a future characterized by equity, compassion, and sustainability. Through various programs and initiatives, the Marpu Foundation addresses critical social and environmental challenges, emphasizing employee volunteering and engagement as pivotal components of its CSR strategy.

Employee involvement in CSR initiatives has been shown to enhance job satisfaction and morale while fostering a sense of purpose among staff members. With over 80,261 volunteers and more than 10,245,120 beneficiaries across 39 locations in 15 states, the Marpu Foundation empowers individuals to contribute meaningfully to environmental sustainability, economic development, social progress, and the attainment of shared goals.

The foundation's emphasis on employee volunteering not only benefits communities but also strengthens employee engagement and organizational culture. By providing opportunities for staff members to leverage their skills and expertise in impactful projects, the Marpu Foundation cultivates a sense of social responsibility among employees, driving positive change both within and outside the workplace.

Furthermore, the Marpu Foundation excels in facilitating corporate volunteering initiatives, tailoring opportunities to align with the interests and objectives of partner companies. From community clean-up drives to skill-building workshops for marginalized youth, the foundation enables businesses to engage their employees in purposeful CSR activities that resonate with their values and mission.

Transparency, accountability, and impact measurement are integral to the Marpu Foundation's approach, ensuring that every investment in CSR yields tangible and sustainable results. By leveraging data-driven insights and best practices, the foundation demonstrates its commitment to creating lasting social and environmental impact, thereby instilling confidence in partner companies and stakeholders.

In conclusion, strategic partnerships with organizations like the Marpu Foundation offer businesses a pathway to maximize their CSR impact and contribute meaningfully to sustainable development. Together, businesses and NGOs can build a more equitable, resilient, and inclusive world for present and future generations. As the global community grapples with multifaceted challenges, the role of CSR in driving positive change becomes increasingly indispensable. With the Marpu Foundation as a catalyst for transformation, businesses have a powerful ally in their journey towards creating a better world for all.

[rabbitcruiser]

World Bicycle Day

The bicycle is one of the most beneficial inventions for your personal health and for the health of the environment. Get out and get some sustainable exercise.

The bicycle is one of the most important inventions in the history of the planet. It provides millions of people with a means of transport powered by nothing other than their bodies. It’s practical, reliable, and helps one to stay fit. Many find that it’s a fun and hassle-free way to get around and take care of daily tasks.

World Bicycle Day is the United Nation’s attempt to recognize the vital importance of the bicycle across the globe. The bike has helped many families across the world to get access to cheap and reliable transportation. It’s no wonder so many partake in the celebration and want to get the word out to others about this exciting and eventful day.

Cycling is an environmentally sound, safe, and healthy way to travel from point A to B. It’s something that we need to do more of if we want to protect the world against the ravages of unsustainable CO2 production. It can save lives, help improve the environment, and support poverty reduction, and for these reasons, it deserves far more attention than it currently receives.

History of World Bicycle Day

The United Nations launched World Bicycle Day for several reasons. The first was to recognize the sheer transformative impact of the bicycle on society. Pedal cycles give even the poorest people in the world access to transport services. Bikes allow them to visit friends, collect water, and buy groceries.

The bicycle is a long-serving mode of transportation, which has helped practically every human community worldwide. All cultures and people alike can partake in the celebration and show their love for cycling.

The third purpose is to highlight the fact that many cities ignore the needs of pedestrians and cyclists. Policymakers have a bias towards the motor vehicle, serving its needs instead of using environmentally-sound alternatives. World Bicycle Day, therefore, is a chance to raise awareness of the benefits of cycling and promote measures to ensure better sharing of the roads.

It’s a chance for people to demand improvements to road safety and cycling mobility through a change in policies and measurable activity that protects and promotes the safety of riders and pedestrians.

The fourth purpose is to help save lives and reduce poverty. Investing in pedestrian and cycle routes in cities can help cut the rate of deaths while also taking traffic off the roads and investing in safer modes of intra-city travel. Promoting cycling can also help to reduce poverty.

By giving the poorest members of the community access to transportation, they can more easily commute to places of work. It helps them to achieve greater health equity by reducing the risk of heart disease, stroke, some cancers, diabetes, and even death.

How to Celebrate World Bicycle Day

There are many reasons why celebrating World Bicycle Day is essential to the health of individuals and the environment. It’s a sustainable means of transportation that’s simple to use, affordable, and is reliable for those who may not have access to a car. It provides access to education, health care, and physical activity for those who don’t have any other means of transportation.

It gives users an immediate awareness of the local environment and fosters creativity and social engagement among community members. The positive impact on the climate and one’s health simply can’t be overlooked. The bicycle offers a sustainable transportation solution and a way for people to show their support for creating a better environment and planet.

Anyone can do their part and partake in the day by celebrating in unique and fun ways. First, you can donate to a cycle scheme. Many nonprofits are looking for ways to increase the number of bicycles that people use in developing countries. Many view it as a cheap solution that makes transporting food and water around much more manageable.

Second, you can cycle to work, college or school, on your bicycle instead of using the car. One will be able to avoid traffic jams and the cost of gas. One will likely find this to be a more enjoyable and stress-free way to get around. There’s no gas money required, and the fresh air will feel wonderful. Using a bicycle will help cut down on CO2 emissions as well. It’s also an excellent way to get some exercise and stay healthy. There’s no denying the feeling one has after being out in nature and exerting some pent up energy.

Third, a person can encourage other people to use their bicycles to get around town by sharing World Cycle Day hashtags on social media. More and more people are engaging online and wanting to express themselves through these social media platforms. It’s possible that together individuals will be able to make this cause go viral and make impactful changes to the environment and wellness of each other. Someone can also encourage others to use this means of transportation by inviting a companion to ride a bike with them to a friend’s house or to run errands.

And finally, one can celebrate and participate in World Bicycle Day by lobbying to local government to improve cycle and pedestrian mobility in the city. Attend a meeting in the area to voice concerns and recommendations for making bicycling around town easier and more accessible to those in the community. All it takes is a few individuals who are willing to speak up and express viewpoints around this topic to inspire and motivate change.

It’s clear that World Bicycle Day is something that anyone can get involved with, even if they don’t ride a bike. Communities will thrive, individuals will be in better health, and the environment will take a turn for the better when cycling becomes the focus. There are so many positive results that emerge from World Bicycle Day that it’s certainly worth celebrating. It’s an opportunity to spark more appreciation for this simple yet beneficial means of transportation and to get everyone thinking about all the good reasons cycling should receive acknowledgment and public attention.

Source

[fin2peace]

Mutual Funds Made Easy: A Guide to Beginners.

What is a Mutual Fund?

Hey buddy, Mutual funds are a type of investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other assets. The mutual fund is managed by a professional fund manager who makes investment decisions on behalf of the investors, to maximize returns while minimizing risk.

Types of Mutual Funds

There are several types of mutual funds, including equity funds, fixed-income funds, balanced funds, index funds, and specialty funds. Equity funds invest in stocks, fixed-income funds invest in bonds, and balanced funds invest in a mix of stocks and bonds. Index funds are designed to track a specific market index, such as the S&P 500, while specialty funds focus on a particular sector or industry.

Benefits of investing in mutual funds

Mutual funds offer several benefits, including diversification, professional management, convenience, and flexibility. Diversification is important because it helps reduce the risk of losses by spreading investments across many different assets. Professional management ensures that your money is invested by a trained and experienced professional. Mutual funds are also convenient because they can be purchased and sold through a brokerage account or financial advisor. Additionally, they offer a high level of flexibility, allowing you to buy or sell shares at any time.

Risks of investing in mutual funds

All investments come with some level of risk, and mutual funds are no exception. The value of mutual funds can fluctuate based on changes in the financial markets, and past performance is not always an indicator of future performance. Additionally, mutual funds charge fees and expenses, which can eat into your returns over time.

Choosing a mutual fund

When choosing a mutual fund, it’s important to consider your investment goals, risk tolerance, and investment time horizon. You should also research the fund’s fees and expenses, as well as its historical performance. Finally, consider working with a financial advisor who can help you choose the right mutual funds for your portfolio.

I will give two tips on checking to choose a mutual fund before investing first one is

Performance History: Look at the fund’s past performance over a period of time, preferably five to ten years. While past performance is not an indicator of future returns, it can give you an idea of how the fund has performed during different market conditions. You can check easily on grow app or whatever app you like it.

Expense Ratio: The expense ratio represents the cost of managing the fund and is deducted from your returns. Look for funds with a lower expense ratio, as high fees can eat into your returns over time.

I will show pictures of higher expense ratios and lower expense ratios.

Monitoring your mutual fund

After you invest in a mutual fund, it’s important to monitor your investment regularly to ensure that it continues to meet your investment goals. This may involve reviewing the fund’s performance, fees, and expenses, as well as rebalancing your portfolio periodically to maintain a diversified mix of investments.

Remember, mutual funds can be a great way to invest in the stock market and other assets without having to choose individual stocks or assets yourself. However, it’s important to do your research and carefully consider the risks and potential rewards before investing.

Hope you enjoy and like this blog post. Later on, I will post a full detailed blog on Mutual funds. Make sure to share with your friends and comment with your opinions and subscribe.

Disclaimer:

The information provided on this blog is for educational and informational purposes only and should not be considered financial advice. I am not a certified financial advisor and do not hold any professional licenses in the finance industry. Any financial decisions you make based on the information provided on this blog are at your own risk. Please consult with a certified financial advisor before making any significant financial decisions.