#best EV mutual fund

[twilightmalachite]

Christmas Live - Star Chart 4

Author: Akira

Characters: Tetora, Hinata, Yuuta

Translation Team: Mika Enstars & 310mc

EN Proofer: ryuseipuka

"Sorry, Hinata-kun. I know you begged me not to tell him, but it really didn’t feel right staying silent ‘bout it."

[Read on my blog for the best viewing experience with Oi~ssu ♪]

Season: Winter

Location: Downtown

Tetora: Sorry, Hinata-kun. I know you begged me not to tell him, but it really didn’t feel right staying silent ‘bout it.

I told Yuuta-kun basically everything.

I mean, it’s not like you weren’t being serious ‘bout your idol activities, right, Hinata-kun?

You were taking on part-time work that had nothing to do with idols, but even that’s ���cuz you were planning on using what you’d earned to build up unit funds…

And you were taking the steps needed to get idol-related jobs eventually by forming more connections, right?

The “saving up money to buy ingredients for a Christmas cake” was just an excuse to cover your real intentions up.

‘Cuz there’s no way a unit of only first years could suddenly get tasked with a huge job… not when the unit’s still got no fame or achievements to it.

You had to first build a business from the bottom to catch the clients’ interests, yeah?

But since you wanted to give Yuuta-kun only the idol-related jobs…

You were trying to do all the muddy, boring work all by yourself. That’s what this was all ‘bout, right, Hinata-kun?

Hinata: … …

Tetora: Yuuta-kun had no idea ‘bout everything that was going on in the background…

Well, it’s also ‘cuz you threw any random excuse at him, but it made him think you weren’t trying at all with idol activities.

So out of agitation, he went looking for jobs by himself. And honestly, I think that’s also a problem of its own.

There’s nothing praiseworthy ‘bout doing whatever you like without the leader’s permission, y’know.

Yuuta: … …

Tetora: This situation could’ve been avoided altogether if you two had just talked it out with each other and came to a mutual understanding.

I don’t really wanna lecture you guys as an outsider, and sound like I’m talking down to you two—

But you gotta have faith in each other… No, not just that—You should say what’s on your mind to one another.

Even if you’re twins, even if you’re family—Your feelings won’t reach the other if you don’t confront and be properly honest with each other.

…And so, with that said—I’ll be the referee, so you two should go ahead and punch each other with everythin’ you’ve got~♪

Hinata: What?! There’s no way I can hit Yuuta-kun; he’s my treasure!

Yuuta: Well, I got a message from Shinobu-kun…

It seems like we’ll be able to join the live late, so I’d rather we not get hurt before the performance…

Tetora: Then I’ll do the punchin’ instead. Aight you two, line up over there~♪

Hinata: What do you mean by that, Tetsu-kun?! I’m against violence!

Tetora: Don’t worry, I won’t put much force into my punch. Well, just consider that both parties are to blame here~♪

I’m a sportsy type of guy, so I value teamwork a lot.[1] That’s why seeing people hesitate over everythin’ like sissies just makes me wanna knock ‘em down.

You can’t expect your thoughts to be heard if you don’t put your whole weight into it!

Also, ‘cuz of you two, I’ll also be joining the Eve’s Eve Live late.

The time I get to be on stage is decreasing by the minute, y’know~ So this is me giving you your just deserts. C’mon now, grit your teeth~♪

Hinata: Eek!? Don’t look so eager over this, you barbarian! Yuuta-kun, hurry, get behind me!

Yuuta: U-Umm…? You need to choose your friends better, Aniki…

Yuuta: …Our height’s still the same, huh, so I can just barely hide behind you, Aniki. But that still doesn’t mean you have to force yourself to protect me, you know.

Even if we can’t actually do supernatural telepathy, I can still kinda tell what you’re thinking.

I know you’ve always been doing things for my sake, Aniki.

No, rather, for the “us” from back then, back when we considered each other as ourselves without hesitation.

But you know, you’re forgetting something important, Aniki.

You see me growing up as how “we” were back then, Aniki… So maybe you’re satisfied with that, but…

But I have to keep always watching you get dirty and damaged, Aniki.

Isn’t that terribly cruel of you to do? You’re doing something horrible for your own self-satisfaction, Aniki.

Don’t forget that. Think about how I feel, being left behind all the time!

I love the “us” of those days as much as—if not more than—you do, Aniki.

And I love you, but the you I love is distorting and changing for my sake.

With a smile and a look of satisfaction on your face, too. You keep taking away something important to me, then turn around and tell me not to change.

It’s pretty unreasonable to demand that of me, but I’ll try to do my best anyway.

Yuuta: It’s also hard to maintain your self-image when all you’ve got at home is a cracked mirror. But if that’s what you want, Aniki, I’ll do what I can to keep my appearance in order.

And if there’s something strange or distorted somewhere, then just tell me! ‘Cause I can’t tell on my own. I’ll even go “mirror, mirror, on the wall” every day, okay?

Yuuta: We may still be at the bottom of the barrel in Yumenosaki Academy…

But that’s why I’ll do the best I can to become the most beautiful “me” in the world for you, Aniki.[2]

[ ☆ ]

← prev | story directory | next →

Taiikukai-kei is a word used to describe those who are part of a sports club. Taiikukai-kei is also used to refer to a trope of that demographic; they are typically associated with the following characteristics: 1) “when there is a will, there is a way” belief, 2) highly values a hierarchical system (ex. respecting/obeying superiors), 3) highly values teamwork and proper etiquette when greeting others. There are also more characteristics that are very fitting for Tetora’s character. Read more here (JP wiki).

The chapter names of Yuuta’s Scout Story, MIRAGE, reference this line nearly seven years later; “The Most Beautiful Mirror in the World”.

[coralsoulperson]

US Jobs Report, US Fed Rate Cut, Chinese EVs Ka Market Par Kya Impact Ho... #mutual funds #mutual funds for beginners #mutual funds investment #best mutual funds #how to invest in mutual funds #best mutual funds for 2024 #mutual funds india #invest in mutual funds #top mutual funds #bank of india mutual fund scheme #best mutual fund to invest now

[prahimofficials]

Best Mutual Fund Advisor in Delhi: Prahim Investments — Your Trusted Partner in Wealth Creation

Why Choose Prahim Investments as Your Mutual Fund Advisor?

Expert Guidance: Our team of highly proficient and well-experienced advisors will provide you with the right advice and guidance regarding the mutual fund schemes being offered presently in the market.

Personalized Solutions: We fully realize that each investor has a set of individual financial objectives and an individual level of risk. We devote our time to listen and recommend an investment solution that most fits your requirements.

Comprehensive Portfolio Management: Our services entail every step of the mutual fund investment right from the selection of an appropriate mutual fund to the management of the portfolio throughout the entire process.

Transparency and Integrity: At our firm, this is a principle we hold dear because it ensures that our clients receive information in its purest form. We offer you concise, realistic consultancy services and the progress and status of your investment.

Assessment of Risk Advisor in Delhi: Navigating Investment Risks with Prahim Investments

Risk taking is inevitable in investments, but managing that risk is instrumental in wealth management. Being an elite risk assessment advisor in Delhi, we provide high-quality risk assessment solutions to guarantee that you make the right investment choices without compromising your future.

Why you need of Risk Assessment in Investment Planning

Risk analysis entails identifying the various risks associated with investment opportunities or projects and comparing them to one’s goals and tolerance of a specific risk. When risks are effectively identified, one is in a position to make better decisions that factor in the level of risk one is willing to undertake to achieve the reward.

At Prahim Investments, our risk assessment process includes:

1. Identifying Potential Risks: With the help of calculating coefficients, which characterize market risks, economic conditions and specific risks related to certain investments, we determine risks that can pose a threat to your portfolio.

2. Evaluating Risk Tolerance:��This involves consultation with you in order to understand your risk capacities and investment goals to ensure that our investment portfolio meets the required standard.

3. Diversification Strategies: The investment is a process of diversification by investing in different asset types and sectors so that risks can be reduced and portfolio can be made more stable.

4. Regular Monitoring: Your portfolio and market conditions are also regulated to check for any new complicated risks which may harm your investments and necessary adjustments are made.

5. Proactive Risk Management: With our active approach to risk management, we guarantee good performance in any conditions and you can reach your financial objectives on schedule.

Wealth Management Agent in Delhi NCR: Comprehensive Wealth Solutions with Prahim Investments

Wealth management is a broader concept than wealth creation; it encompasses saving, investment, retirement planning, and planning how wealth after one’s death will be handled. Prahim Investments is a reputable wealth management agent in Delhi NCR with a wide array of wealth management solutions aimed at ensuring that you have the right investment plan that will enable you to have a prosperous future.

Why Wealth Management is Important for Financial Success

Financial planning is a comprehensive approach to everything concerning money and regulating resources in your life. It means that resource management and legal financial planning should reflect how you manage your assets, liabilities, income and expenses in order to meet you overall and short-term goals.

At Prahim Investments, our wealth management services include:

Financial Planning: We assist you in preparing a financial plan unique to your life style or if you are interested in buying a home or funding your child’s education or even planning for the retirement.

Investment Management: Our financial consultants create and oversee a diversified investment programme tailored to meet your risk capabilities and goals.

Retirement Planning: You get to consult with us in creating a financial plan for your retirement which sets you for life and you live comfortably.

Tax Optimization: This means that at Prahim Financial Services, our tax advice and planning is directed at helping you keep as much of your hard earned money as possible.

Estate Planning: We help you develop an estate plan on how you want your wealth to be passed on to the next generations in the best way.

Regular Reviews and Adjustments: Your financial plan and investment portfolio are reviewed often to conform more with your objectives and market conditions.

Conclusion

If you are in a lookout for the best mutual fund advisor in Delhi, assessment of risk advisor in Delhi or a complete wealth management agent in Delhi NCR, look no further than Prahim Investments as your one stop financial shop. Professional advice, individual focus and concern toward your financial well-being makes us your decision to managing and building your riches.

Get in touch with us at Prahim Investments for more information and on how we can assist you to realise your financial dreams today.

[zealousnightsublime]

5 Things Everyone Should Do To Improve Their Finances

5 Things Everyone Should Do To Improve Their Finances.Improving one's finances is a goal that many people strive for. Here are five essential steps that everyone can take to enhance their financial situation: 1.Create a Budget: Start by developing a detailed budget that outlines your income and expenses. Track your spending habits to identify areas where you can cut back and save money. A budget provides a clear overview of your financial situation and helps you allocate funds effectively. 2. Reduce Debt: Take steps to reduce and manage your debt. Start by prioritizing high-interest debts and creating a repayment plan. Consider consolidating loans or credit card balances to lower interest rates. Minimizing debt not only saves you money on interest but also improves your overall financial health. 3. Save Regularly: Make saving a habit by setting aside a portion of your income each month. Aim to build an emergency fund that covers at least three to six months of living expenses. Additionally, save for long-term goals such as retirement or major purchases. Automating your savings can make it easier to stay consistent. 4. Invest Wisely: Explore different investment options based on your financial goals and risk tolerance. Consider diversifying your investments across different asset classes, such as stocks, bonds, real estate, or mutual funds. Educate yourself about investing or consult with a financial advisor to make informed decisions. 5. Continuously Educate Yourself: Take the time to enhance your financial literacy and stay updated on personal finance topics. Read books, attend seminars, or follow reputable financial blogs to expand your knowledge. Understanding financial concepts empowers you to make better financial decisions and leverage opportunities. Remember, improving your finances is a gradual process. Stay committed, be patient, and make consistent efforts towards your financial goals. 6. Set Realistic Financial Goals: Establish clear and achievable financial goals for the short-term, medium-term, and long-term. Whether it's saving for a down payment on a house, paying off student loans, or starting a business, having specific goals helps you stay focused and motivated. 7. Prioritize Retirement Savings: Start saving for retirement as early as possible. Take advantage of retirement accounts like employer-sponsored 401(k) plans or individual retirement accounts (IRAs). Contribute consistently and maximize any employer matching contributions. The power of compounding can significantly impact your long-term wealth. 8. Review and Optimize Insurance Coverage: Regularly review your insurance policies, including health, auto, home, and life insurance. Ensure you have adequate coverage at the best possible rates. Shop around and compare quotes from different providers to potentially save money without compromising on protection. 9. Increase Your Income: Look for opportunities to increase your income. This could involve negotiating a raise or promotion at your current job, exploring part-time or freelance work, or developing additional skills that can lead to higher-paying opportunities. Increasing your income provides more financial flexibility and accelerates your progress towards financial goals. 10. Practice Mindful Spending: Be mindful of your spending habits and make intentional choices with your money. Differentiate between needs and wants, and focus on prioritizing essentials. Consider implementing strategies such as the 24-hour rule (waiting 24 hours before making a non-essential purchase) or practicing minimalism to curb unnecessary expenses. 11. Review and Adjust Regularly: Regularly review your financial situation, goals, and progress. Make adjustments as needed, especially when experiencing significant life changes like marriage, having children, or career transitions. Staying proactive and adaptable ensures that your financial plan remains aligned with your evolving needs and circumstances. Remember, everyone's financial journey is unique, and what works for one person may not work for another. It's essential to personalize these steps to suit your specific circumstances and goals. Building a solid financial foundation requires discipline, perseverance, and continuous learning. 12. Minimize Unnecessary Expenses: Take a close look at your spending habits and identify areas where you can cut back. Evaluate recurring subscriptions, dining out expenses, or impulse purchases that can be reduced or eliminated. Redirecting that money towards savings or debt repayment can have a significant impact over time. 13. Negotiate Better Deals: Don't hesitate to negotiate better deals on services like cable, internet, or insurance. Contact your providers, compare prices, and ask for discounts or promotional offers. You may be surprised at how often they are willing to work with you to retain your business. 14. Improve Your Credit Score: A good credit score opens up opportunities for lower interest rates on loans, better insurance rates, and higher chances of approval for credit applications. Pay your bills on time, keep your credit utilization low, and regularly review your credit report to identify and correct any errors. 15. Plan for Taxes: Stay informed about tax regulations and take advantage of deductions and credits that apply to you. Contribute to tax-advantaged accounts like individual retirement accounts (IRAs) or health savings accounts (HSAs) to reduce your taxable income. Consider consulting a tax professional to ensure you're optimizing your tax situation. 16. Protect Yourself with an Emergency Fund: Build an emergency fund to handle unexpected expenses or financial hardships. Strive to save three to six months' worth of living expenses. Having this safety net prevents the need to rely on credit cards or loans in times of crisis and provides peace of mind. 17. Avoid Impulse Buying: Before making a purchase, especially for expensive items, take the time to research, compare prices, and consider whether it aligns with your needs and financial goals. Avoid impulsive buying decisions, as they can lead to regret and unnecessary debt. 18. Plan for the Future: Consider estate planning and drafting a will to ensure your assets are distributed according to your wishes. Life insurance, disability insurance, and long-term care insurance are also important considerations to protect yourself and your loved ones in the future. 19. Seek Professional Advice: If you're uncertain about managing your finances or need specialized guidance, don't hesitate to seek help from a financial advisor. They can provide expert advice tailored to your specific circumstances, helping you make informed decisions and optimize your financial strategies. 20. Stay Motivated and Stay on Track: Improving your finances is a long-term endeavor. Stay motivated by celebrating milestones along the way and visualizing the financial future you desire. Surround yourself with supportive individuals or join online communities focused on personal finance to stay inspired and accountable. Remember, improving your finances is a continuous journey. It's important to remain committed, adapt to changing circumstances, and seek knowledge to make informed financial decisions. With determination and the right strategies, you can achieve financial stability and work towards your long-term goals. Read the full article

[eaukraine-eu]

The day before, US Secretary of State Anthony Blinken, who arrived in Ukraine on a working visit, made two truly sensational statements. According to him, in the near future, Washington will provide Kyiv with another package of gratuitous financial assistance in the amount of 1 billion 3 dollars, and is also implementing a plan to supply modern weapons to the Armed Forces of Ukraine. According to the head of the US State Department, this will allow Ukraine to strengthen its counteroffensive in the Donbass and Zaporozhye regions, as well as in the Kharkiv direction. Skeptics also suggested that in this particular case, the initiative of Blinken in particular and the United States of America as a whole in the context of Ukraine would not be crowned with "grand success". It would seem that there are no prerequisites for skepticism. During a personal meeting with his Ukrainian colleague Dmytro Kuleba, Blinken personally guaranteed that these funds would be made available to the Ukrainian army no later than mid-October of this year. Moreover, in the foreseeable future, the US Congress will consider transferring a batch of F-16 aircraft to Kyiv. But here's the thing: earlier, US President Joseph Biden, in his best traditions, proposed to allocate $ 20 billion to Kiev for military needs at once, and to use the best Pentagon bases to train Ukrainian soldiers and officers. The same Congress intervened, the majority of which, as you know, are representatives of the Republican Party. As a result, the amount of payments to the Armed Forces of Ukraine was reduced by 20 times, and the idea of training military personnel for consideration in the highest legislative body of the United States was never accepted. And yet, the visit of the head of American diplomacy to the Ukrainian capital is difficult to overestimate. First of all, because the very fact of Blinken’s arrival in Kyiv, which is considered a potentially dangerous capital of a European state in the military sense, speaks of Washington’s continued active support of the team of the incumbent Ukrainian President Volodymyr Zelensky. Moreover, the Ukrainian Foreign Ministry has a unique opportunity to coordinate the actions of Kyiv and Washington on the eve of the meeting of the UN General Assembly at the end of September. "For Ukraine, Blinken's stay in Kyiv brought, so to speak, new trends," American political commentator William Connolly said in a commentary for EURO-ATLANTIC UKRAINE. it is possible that in the near future relations between Kiev and Washington will enter another mutually beneficial phase." It is assumed that, based on the results of his visit to Ukraine, the head of the State Department will prepare a report personally to US President Biden. What conclusions Blinken made from meetings with the first persons of the Ukrainian state will become known next week. ​

[india7d]

100 popular topic related to investment in indian market

100 popular topic related to investment in indian market

we will discuses blow 100 topics in our next blogs certainly! Here's a list of 100 popular investment topics related to the Indian market: - Introduction to Indian Stock Market - Basics of Equity Investing in India - Navigating the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) - Investing in Indian Mutual Funds - Understanding Index Funds and ETFs in India - Indian Real Estate Investment: Trends and Opportunities - Investing in Indian Government Bonds - Fixed Deposit and Other Bank Investments in India - Indian Commodity Market: Overview and Trading Strategies - Demat Account and its Significance in India - Indian Derivatives Market: Futures and Options - Foreign Direct Investment (FDI) in India - Indian Startup Investments and Venture Capital - Initial Public Offerings (IPOs) in the Indian Market - Indian Taxation and its Impact on Investments - Indian Economic Indicators and their Role in Investment Decisions - Investing in Indian Small-Cap Stocks - Large-Cap vs. Mid-Cap Stocks: Pros and Cons - Indian Real Estate Regulation and Development Act (RERA) - Sovereign Gold Bonds in India - Indian Corporate Bond Market: Opportunities and Risks - Systematic Investment Plan (SIP) in Indian Mutual Funds - Growth vs. Value Investing in Indian Stocks - Investing in Indian Government Securities - Indian Currency Market: Forex Trading - Real Estate Investment Trusts (REITs) in India - Indian Banking Sector and Investment Opportunities - Mutual Fund SIP vs. Lumpsum Investment in India - Investing in Indian Infrastructure Projects - Tax-Saving Investments in India (e.g., ELSS) - Indian Real Estate Market vs. Stock Market - Best Performing Mutual Funds in India - Indian Commodity Exchanges: MCX and NCDEX - National Pension System (NPS) and its Benefits in India - Equity Research and Fundamental Analysis in India - Indian IPO Review and Analysis - Investment Opportunities in Indian Pharmaceutical Sector - Private Equity Investments in Indian Companies - Indian Mutual Fund Ranking and Selection Process - Investing in Indian Renewable Energy Projects - Top Indian Stocks to Watch in 20XX - Indian Real Estate Bubble: Myth or Reality? - Indian Auto Sector Investment Outlook - P2P Lending and Crowdfunding in India - Impact Investing in Indian Social Enterprises - Investment Strategies during Economic Downturns in India - Indian Information Technology (IT) Sector Stocks and Growth - Indian Retail Sector Investments and Future Prospects - Investing in Indian Education Sector - Indian Textile Industry: Opportunities and Challenges - Indian Housing Market: Trends and Forecast - Investment Risks and Mitigation Strategies in India - Indian Telecom Sector: Investments and Growth Potential - Investing in Indian Gold Market - Indian Steel Industry: Investment Analysis - Indian Agriculture Sector Investments - Investing in Indian Healthcare and Pharma Stocks - Indian Media and Entertainment Industry: Investment Opportunities - Real Estate Investment Strategies in Indian Tier 2 Cities - Indian Consumer Goods Sector Investments - Investing in Indian Oil and Gas Industry - Indian Cement Industry: Market Analysis and Investments - Regulatory Environment for Foreign Investors in India - Investing in Indian Hotel and Hospitality Industry - Indian Fintech Startups and Investment Landscape - Indian Power Sector Investments and Renewable Energy - Investing in Indian Biotechnology Companies - Indian Banking Sector: NPA and Investment Risks - Top Indian Multinational Companies for Investment - Indian Electric Vehicle (EV) Industry: Opportunities and Challenges - Investing in Indian Small and Medium Enterprises (SMEs) - Indian Aviation Sector: Investment Outlook - Indian Realty Investments: Metro Cities vs. Non-Metro Cities - Investing in Indian Defense and Aerospace Industry - Indian E-commerce Market: Investment Trends - Indian Railway Sector Investments and Privatization - Investing in Indian Software Services Companies - Indian Education Technology (EdTech) Startups: Investment Prospects - Indian Warehousing and Logistics Sector: Investment Analysis - Investing in Indian AgriTech Startups - Indian Government's Atmanirbhar Bharat Initiative and Investment Implications - Investing in Indian Artificial Intelligence (AI) Companies - Indian Gems and Jewelry Industry: Market Analysis - Indian Pharmaceuticals: Generic vs. Branded Drugs Investment - Investing in Indian Renewable Energy ETFs - Indian Fast-Moving Consumer Goods (FMCG) Sector: Investment Opportunities - Indian Real Estate Market and COVID-19 Impact - Investing in Indian Food Processing Industry - Indian 5G Technology Investments and Future Prospects - Indian Chemical Industry: Investment Trends - Investing in Indian Waste Management and Recycling Companies - Indian E-gaming and Online Entertainment: Investment Landscape - Indian HealthTech Startups: Investment Potential - Investing in Indian Artificial Intelligence of Things (AIoT) Startups - Indian Digital Payment Industry: Investment Outlook - Indian Education Sector: Online Learning and Investment - Investing in Indian Green Bonds - Indian Robotics and Automation Industry: Investment Analysis - Indian Cryptocurrency Market: Investment Opportunities - Investing in Indian Hydroelectric Power Projects Please note that the investment landscape can be dynamic, and it's essential to conduct thorough research and seek advice from financial experts before making any investment decisions. Read the full article

[cjdarcllogistics]

What factors influence a Venture Capital (VC) investment decision for a certain logistics company?

Investment in logistics companies is majorly decided by three factors – Mutual Interest, Technology breakthroughs, and Innovations. The investment depends on the communal interest i.e., how the logistic company benefits the investor and in what ways. The pandemic accelerated the growth of the e-commerce industry, which has proportionally ignited the interest of VC investors in logistics operations. Investors for logistics are interested in funding companies based on e-commerce delivery apps, supply chain visibility, and last-mile logistics management. Companies that have innovative strategic solutions are more likely to attract funding.

The second aspect depends on technology breakthroughs, such as cargo and shipment monitoring technologies (GPS trackers, Bluetooth, RFID sensors, IoT (Internet of Things), AI/ML, Big Data, and Cloud). Technology is changing every aspect of how logistics companies operate. The winners will be those who understand how to use technology and those who don't risk becoming obsolete. Companies with a clear digital strategy integrated into their business strategy will be preferred over others.

 Finally, it has been seen that investors prefer companies that are open to the adoption of new ideas and digitalization. For instance, on-demand delivery for groceries has emerged as an investor favorite, with massive inflows of venture capital funding into this category. Adhering to customer expectations and continuously working towards improving efficiencies are also factors that seal the decision for investors. Best logistics companies that focus on increasing the engagement of customers using mobile apps and websites to track orders and shipments are in high demand by investors.

Area of Transportation is Receiving the Most Attention

Startups offering last-mile delivery services to retailers and individuals are attracting maximum investment, especially startups that rely on unconventional delivery modes, such as crowdsourced delivery, drones, autonomous vehicles, and shipments to parcel lockers. Investors clearly see an opportunity in innovative last-mile service providers.

Electric vehicles, drones, and digitization have all been making inroads in the transportation sector over the last five years and it is changing the movement of goods. Investors see an opportunity in all three areas of transportation. Considering driver shortage and congestion issues, technology-enabled, autonomous vehicles are becoming increasingly important and viable. There is the pressure of decarbonization, and top transportation and logistics companies are expected to drive the change with the use of electric vehicles (EVs), multimodal connectivity, and others that would help in creating a carbon-friendly environment. In the future, we will also see the use of robots and drones inside warehouses and other open spaces. Drones can also help in achieving short-mile deliveries. For instance, a track can pull up in a residential area, with several AI-enabled drones that can go out and deliver to the desired location. This can improve the different sectors of the economy and scale up growth.

[helahades]

the sexiest wip list

alright! reminder that this is a dark fic blog. dark fics are not just noncon, but uncomfortable subject matter and questionable thought processes and unreliable povs. control your media experience and read warnings carefully! they’ll be updated when the actual story releases, but these are wips, and i don’t know them all bc I simply have not finished these stories!

some darker warnings on this list include: threats of sexual violence, obsession, death, and previously mentioned unreliable povs from obsessive characters who justify themselves.

final reminder to read warnings! some of these are intense.

1) Jealous Thor (Untitled)

warnings: cheating, mean!reader, angst

You’re falling for Steve right under his nose. Each day, Thor feels you pull farther away. Each night, he squeezes his eyes shut as you lie asleep next to him, and tries to forget the way you lookat Steve these days with hunger and adoration that you once gave to him.

“He is earthly. For all his body’s and mind’s possession of unnatural experimental growth, he is earthly and limited, so Thor can’t understand why you’re drawing away from him, and telling Steve the jokes, giving Steve all the looks that had him hooked. The lingering eyes and touches… they ride the line of decency.”

—

2) Heimdall Angst (Untitled)

warnings: major character death, grief, existentialism, out of body experiences

Connected by incredible wisdom and duty to fate, you and The Gatekeeper of Asgard are pulled together by the unique pairing of your mutual seeing abilities—made for greatness, and destined for tragedy.

This story stretches from the moment that catalyzes your meeting, across the years of loving him, to the moment you lose him.

“A fateful tragedy. He sees an arrow through a dove.

He wonders how he missed your encounter with him in the whispers of the cosmos.

“—They’re star deaths,” you say abruptly, “the ones that move and change color. They speed up when you watch them—show their whole life to come...I read about them. Most can’t ever see them life this”.

Turning to where you stand beside him, his eyes swirl with the magic of knowing you, of your destinies combined. He sees you stare at his stars like they’re new.

“Only us.”

—

3) Away from the Party - Steve Smut

warnings: smut, dubcon, roughness, manipulation, unintentional exhibition

Steve hates these parties. After a mission, the work has just begun, and he fumes at the impossible way that Tony covers all problems in diamonds and pearls. Some things aren’t meant to be pretty.

You are. You’re soft, and kind, and you coax him gently away from the party—the source of his frustrations, with promises of leaving early, of calming down. Oh. He’ll calm down. And you’re just the toy to help. In a closet a corner away from the government’s finest, America’s golden boy has a hand on your throat and one demand.

“Keep quiet.”

“Of course, you both ended up at the party anyway, but with you swirling cool fingertips at his aching temples and rubbing softly over the stretch marks on his chest, he couldn’t find anything in heart to disagree with you then.

Even now with his erection pressed to you through barriers of clothing, with scarcely retrained and monstrous lust, he is steadily calmed by your presence. This rush, the secrecy—it excites him. And you pull him through the haze of it.”

—

4) Monster Thor Headcanons

warnings: wound and gore descriptions, some sadness

The fantasy of it all. Aesthetic, Lifestyle, Behavior. Some talking points include: hair, horns, hints about how he was influenced by a soft and charming lover many years ago, general horniness. Also spoiler that I’ve decided that He is 8ft tall

“Thor is...ancient. he is a being of war and folklore and raw energy and he’s earthy and elemental and connected. and form follows function. (and also whatever horny thoughts we want )”

—

5) The Call

warnings: voyeurism, death threats, obsession, implied sexual assault threats

When Frank comes to visit you, you beam like a sunflower. You’ve rearranged your room, and you’re excited about it. He would like to revel in the moment with you...but he’s caught up in one detail. Your bed is pushed against the window...and he can’t convince you to let him move it.

After a night of sin and wild lovemaking, you lie asleep bathed in moonlight, and Frank wakes to a call. Billy. He’s set up on a rooftop miles away, and he’s got things to say about Frank’s girl and what he’d like to do to her. A red dot on his chest means he can only listen. To your gentle snoring, and to the twisted fantasy of a brother unhinged.

“Black silk pajamas. Hair wrapped up in satin. Yellow light almost like sun stretches to the ceiling, but not quite over the rolling hills of your silhouette turned away from him in quiet sleep.

Frank’s hardly got the time to wonder why he’s awake, because his phone buzzes slow again. Pulls the moment he realizes he will have to break this magic peace to molasses and he half fills his lungs before huffing it out and flipping the phone open and tucked between his ear and shoulder.

“What.”

“She’s a reaaaaal pretty one, Frankie boy. You sure know how to pick em.”

—

6) Loki Longing (Untitled)

warnings: pregnant!fem reader, angst

On the Eve of the birth of Asgard’s heir, Thor is away. In a bath of flowers and magic to ease your pain, maidens worry over you, and Loki rescues you away, letting you rest in bed, and dreaming of the days when you were his lover instead.

“I’d like to rest…in my bed now, please.”

The ladies look to each other. It hasn’t been long enough for the herbs to take effect.

“My Queen,” the eldest starts—

“She is certainly your queen,” a silky silver timbre interrupts, “I’ve learned it’s best to mind her.”

His eyes fall to your form, and some blocked conflict—some guarded affection rests there. Some longing tucked in a pocket like an impossible secret.

—

7) With Child - Obsessive Steve

warnings: pregnant!fem reader, obsessive Steve

Watching you content, and very pregnant, as you gaze adoringly at your husband Thor from where you rest, half in his lap, Steve can’t help but fantasize. He thinks about impregnating you, the mechanics of sex with a pregnant woman, and being the god who does it all.

“Do you have to lie on your side? Is Thor just behind you, spooning you, fucking with desperate thrusts because you drive him so crazy this way? Steve has heard—and he doesn’t know where—that women get wetter when with child. Steve can’t help but wonder...does Thor need to hold one leg up for you—to save your back that’s so often heavy with the weight of supporting his legacy?”

—

8) Dean’s Girl

warnings: unreliable pov (john), voyeurism, masturbation + voyeurism

John notices the way you avoid him. You always seem to leave a room just as he’s coming into it. He’s living in the bunker now, and having to realize a lot of things that have changed for the both of his sons.

For example, his oldest, the last he’d ever think would fall in love, has got a pretty girl that dismisses her practical father in law with pointed boredom. She’s protective—how can he blame her after all that he’d put Dean through?

She’s pretty, and John is only a man, and can’t stop himself from just...looking. It starts with a convenient bend as she unloads the dishwasher...then he..can’t help that the door was open and she happened to be changing right there. He also can’t help it the next time when he’s just a little too obvious, pleasuring himself to the smell of her pretty lace panties.

—

9) Operator, Operator - Steve Smut

warnings: smut, financial troubles?, mentions of creepiness against and danger to sex workers, exhibitionism via phone call

Underpaid and overworked, you along with your roommate/secret crush/ best friend Steve have trouble making ends meet on minimum wage + his art commissions. When you start picking up calls on a phone sex line, he’s able to reason. It’s quick cash, and Steve is mature enough to keep his thoughts appropriate...at first.

One day, he wakes to the sound of breathy moans and a faked orgasms. He wonders how you would sound if only you were high on real pleasure...and there’s no time like the present. Don’t hang up. This call has only just started.

“By the time this year—junior year—swung around, Steve realized he was only catching glimpses of you. He would hear the shake of your keys when you tossed them on the counter, your backpack when it thudded to the floor, and most recently—your moans.

You must not know he’s home. Ever since you started online sex work, specifically being a phone sex operator, you seemed to also make the silent choice that more graphic calls would be saved for when he’s not around.

He gets it. You both split the rent, and Steve has done jobs he’d rather not mention in desperate times, when commissions came short. Still, sometimes you can’t tell when he’s here, and despite his best efforts to push down his arousal, to tell himself you’re his best friend...he’s an artist, and he can’t help but listen, and certainly not the wandering of his imagination.”

—

10) Professor Steve Medfet - (Untitled)

In an alternate timeline, a washed up Steve Rogers starts a new life in a run down city as an art / anatomy teacher. A class of hungry college students is filled to the brim each year, expecting the unspoken promise of their favorite hands on lab. You.

You keep his class sated, in turn giving the professor job security for funding his simple life out of the public eye. Each year when he calls, you come. Each year the students find a new way to tear you embarrass and degrade, much to the pleasure of the professor.

“Same speech. Same meaningless words. Focusing on the stillness of your skin and how it feels to be alone, you can almost drown out the way his tone edges toward excitement, the way the chairs shift and squeak—the anticipation.

Pretending your heart doesn’t send heat and cold flashes through you and run your breathing shallow, you look at the nicks in the door and try to guess their stories.

But then the metal frame clicks, the door unlatches. Professor Rogers wears a gentle smirk. It doesn’t ease your mind one bit.”

—

11) Swelter - Forest God Thor

warnings: sexual scenes, time limited conflict, religious themes

With a sickness overtaking nearby villages, yours is next, and has decided to sacrifice you to the cause of foraging for preventative herbs. You venture into the ancient woods after a rare vine of flowers, but leave with much more after encountering Thor.

After disturbing him where he lies cooling in the bank of a stream, you vow to prove the true intention of your soul—that you aren’t a hunter, or witch after his form or faculty, but a pious girl, also needing to escape the heat.

“You’re in the old woods now, and aside from the trees and the mossy nature tangled around them, there is only Him. Thor.

God of the harvest, bringer of land’s wealth, fertility, and vitality. You know of the sacrifices, of the woods where He is rumored to live in an unseen form, of livid white fire in the sky if He is severely displeased.

His name must not be spoken outside of prayer or ritual, and even now, you stutter to think it, and wonder if you are alone in your thoughts.”

[...]

“The frustration and the fear in your dilemma disturb the air, disquieting the otherwise enduring peace of the old woods, which rouses a large form in the cool muddy bank of the stream. It is only leaves shifting at first. Faded pumpkin and dried oak scatter—and suddenly the air smells like rain and your mouth sets around the tastes of copper and sage. Then, the leaves tumble off of a beast of a mass that rises slowly, and you note that it felt like the atmosphere changed to accommodate its awakening.”

—

12) Halloween Party - Thor Smut (Untitled)

warnings: smut, heartbreak, depressed!reader

An exclusive and mysterious Halloween party is still on this year—and you’re invited. It’s meant to be so extravagant and flashy an Avenger will one day attend, and all attendees decorate themselves in costumes inspired by the heroes, hoping to be noticed.

Fresh after a breakup with your boyfriend Brock, you take one half of the preordered couples costume and dress up as a goddess, determined to have a good night with your friends, find some excitement, and most importantly, a new god to match.

“Standing solemn, floor to ceiling windows allow in a few milky rays reflected by the moon, but they’re all the gems of your bodice need to gleam to a suitor's eye. Tonight, while you plan to rid your soul of another, you are welcomed with open arms and careful consideration as the final offering at an altar. You are seen by a god.”

—

13) Grief

warnings: dead!reader, guilt, grief, scary science, how do i say this... smut that is borderline necroph—there’s a replica of you, dark!steve, tony lives, pepper dies

Steve’s world is upside down. He’s lost the light of his life, and is completely in the dark. Luckily for him, Tony is back in the business of reality rejecting technology, and has found a way for him to be with you again.

At an abandoned cottage, Steve brings an armful of your scents to give the Tony’s invention sensory data, and faces the strange reality of what’s always been his worst stage...his worst trait. Denial.

“Dozens of test bottles full of manufactured scents, the kind of thing you smell borrowing a sweater, or with your face in the crook of someone’s neck. Essentially, the sort of organic thing that cannot be recaptured.

Steve’s got an armful of perfume and body wash. Of conditioner and deodorant, of all the elements he can think that make you smell the way you would—the way you do.

He wills the thoughts to be present tense. If he pretends you are alive, maybe it will look like it is you only sleeping. He wonders how well Tony knows the texture of your hair suddenly, because if it isn’t right, the experience will fall to shambles. It currently walks a plank over shambles. One wrong interpretation or surprise, and Steve will find himself spinning and burning with the fall into a new and uncharted taboo.”

14) Night Drive - Dean Smut

warnings: road head

On a long overnight drive, your back pressed into the seat of the impala makes you miss lying in bed with your lover, makes you miss his gentle caress right next to you...so you remind him how good it is to be close.

“You think about it when he hums a little tune. When he hums the song he wishes would play and thinks will come up next, it is eerily soft, and eerily similar to the soft contentment he sighs when you kiss on his neck.

When he reaches for your hand to hold, it makes you consider the shortness of the distance between you, and you think of pulling his cock out right here, giving him head that melts him here on this endless road.

Looking at him, he senses your interest—he turns his head to meet your eyes, throws up a grin of boyish charm. He’s happy to be here with you. These night drives are fine. He’s never minded them. But they’re even lovelier when in your company.”

—

15) Shadow - The Bucky Mystery

warnings: stalking, injury, sexual assault, canon typical hydra torture, mentions of bucky being forced to assault people, traumatized reader

On the run from Hydra, there aren’t many things that Bucky can remember. Inside his mind, there aren’t many feelings that make sense. Mostly, he feels guilt. Horror.

Following you to the gym where you practice ballet alone in the nights is all that makes sense, and for reasons he can’t explain, he feels drawn to you.

As time goes on, Bucky feels more enticed by his desire, you start to feel eyes staring from the walls, motivations and traumas are revealed, and in a horrible symphony, you both remember your connection.

“He’s a matte shadow against the noir shine of metal walls—an observer in the unlit quiet on his side of the room.

And he feels his unimportance. It’s humbling. Holds up the room like chunky beams and high rafters, dressed in the same layered neutrals. Framing the same cotton candy dancer, silent as the pad of her slippers when she turns her weight onto a straight leg, other coming up with her ankle pointed to the bend of her knee.

She spins, she spins and she whips her head around with each one, but it’s Bucky who gets dizzy.”

send an ask with any questions, or for more details about a particular story!

[emanisam]

What was the best revenge you've ever gotten?

Today is New Year’s Eve. Up until the day after Christmas, I’d been engaged for seven months.

No longer. Want to know why?

In mid November, I learned my fiancé Sam had been cheating on me for six months. I discovered this on accident. My phone died and I needed to Google something, so I grabbed his iPad- which I hadn’t used in a while. Sam has iMessage, so all his messages (received and outgoing) synced to the iPad’s message app. I saw everything- texts, pictures, videos- saw it all. Apparently that Masters in Chemical Engineering didn’t constitute much intelligence, because the dumbass never changed his passcode.

His sidechick was a mutual friend of ours, Madison, who’d been in our home, had dinner with us, and was someone I’d actually seen as a potential bridesmaid. I spent days reading through everything- apparently she let him do anything in bed. Oh, and she was pregnant. He’d also been sending her money from our saving-for-a-bigger-apartment fund.

I was catastrophic. I collapsed on the floor and cried so hard I thought I’d throw up. But what really got me were the things they said- about me.

They mocked me, made jokes, ridiculed and belittled me; because I was the oblivious idiot fiancée who was so stupid. I was the prude who wouldn’t let him act out his porn fantasies, even though he never told me about them. Madison would text me, chatting about wedding planning, then screenshot the messages and send them to Sam, laughing about how stupid I was. There was so much more, and far more vicious. I was gobsmacked. I felt like the meanest, bitchiest girls from high school were standing over me, laughing while I cried. But I was more confused than anything- who the bloody hell was this person, pretending to be my Sam? Now I realize I’d only seen one side of him. For three years. I won’t even begin with the messages about the baby.

Madison had actively been pushing Sam to dump me, and they agreed he’d do it the day after Christmas, after we’d returned home from seeing his family. When I read that particular message, something inside me snapped.

I’ve been snickered at my whole life- for being the “poor kid” in a wealthy school, for being a fat kid and teenager, for being an ugly duckling, for always having older, out-of-date things, for being quiet, for being an unphotogenic teenager… schoolkids are their own category of vicious. But growing up with all that gives you a core of steel, and anyone who tries to punch it will break their hand. I was not going to be humiliated. Not again, and not like this.

So I thought ahead.

Sam had been out of town when I discovered the messages, so I had a few days to pull myself together. For the next month and a half, I pretended everything was fine- at which I’m alarmingly good. Soon, my feelings toward him hardened until my initial devastation was gone and replaced by nothing. I’d wait until I was alone to read through his iPad, always putting it back in the same position in his bottom drawer. The dumbass never suspected anything, and still never changed his passcode. I collected the most “telling” evidence: the most explicit messages, the most vicious ones towards me, the ones mentioning the money, the ultrasound photos, I sent them all to myself then covered my tracks.

Christmas comes. We arrived at his parent’s house on Christmas morning, with plans to spend the night. I spent the day watching that cheating, mocking, money-laundering scumbag have a lovely Christmas. He even tried to have sex that night, knowing full well he planned to dump me the next day. One last fuck for good measure, right?

BASTARD.

The next morning, before we all sat down for breakfast, I sent all the evidence to his mother.

And his father.

And his two siblings, and three of his cousins.

Any family member whose contact I had, received it. I was able to time this, because Sam’s family is pretty phone addicted, and they all get email notifications.

My dear readers, I wish you could’ve witnessed the scene which befell that house. The weasel couldn’t even face his own family. Talk about whiplash from that plot twist.

He ran outside, and had to be cornered. His brother dragged him by his hair back into the house, but I didn’t stay for that. I’d insisted we take my car, so I said my goodbyes to his family, reassured them this wasn’t their fault, thanked them for everything, and left.

That was six days ago. I changed the lock on our apartment, sold the ring, put all his things in trash bags, and put them outside the gate to our apartment complex - with the iPad on top. Luckily for him, no one took anything. He’s currently staying with a friend, as none of his family in town will speak to him, and he can’t afford a hotel indefinitely.

And don't worry about Madison, I didn’t forget about her. I sent everything to her mother.

With whom she still lives.

Happy New Year, dear readers. Take no shit in 2020.

[timelordthirteen]

2018 Fanfic Year in Review

Again, I’m late, but that seems to be the running theme so far in 2019. I did not hit my goal of 750K total words on AO3, but I should be able to get there pretty easily this year.

I said 2018 was going to be the year of finishing things and I totally didn’t. I did get my beloved Working Out done, but I have to be very strict with myself not to create new verses willy nilly and get some of these done. After my RBB fic, my priority is Some Other Time followed by The Don’t Fall in Love Job.

Stats: Words Posted on AO3: 153,964 Stories posted: 40 Verses created (multiple fics, same verse): 12 WIPs finished: 1 WIPs still to complete: 3, started this year

Total words on AO3 as of the end of the year: 682,128

January

Rumbelle

Sunlight-  Gold finds his wife lounging in the sun and can’t help himself. (nsfw)

Working Out Chapter 13 - It’s back!  The third date, a lot of kissing, and a confession.

Keep the Change - Lacey confronts Gold about a late notice for her rent and things…happen. (nsfw)

February

Rumbelle

Working Out Chapter 14 - Belle and Gold chat with their workout partners about their last date, Ruby and David get in some good natured teasing, and plans are made for a very important next date.

Working Out Chapter 15 - Leading up to the highly anticipated date night, Gold and Belle find help and reassurance from their friends.

If Wishes Were Kisses - Part 1 -  A series of ficlets covering all of Rumbelle’s canon kisses (including the ones we didn’t see on screen…).  Rumple and Belle’s first kiss, True Love’s Kiss from Skin Deep. Rumple POV.

Intervals - Part 14 - Ficlets set in the Working Out universe. A couple days before their big date, Gold and Belle meet up at the gym. NSFW… ;)

Anyelle/Anyem

Alchemy - Alchemy: a seemingly magical process of transformation, creation, or combination. Lacey finds an antagonistic note left in her classroom and confronts the person who wrote it. (Rushacey)

March

Rumbelle

Between Friends - Belle and Gold are best friends who are secretly in love with each other and living together. One night their mutual attraction boils over and finally brings them together. (nsfw)

Paris As It Lays - Belle has been working for Mr. Gold to fund her dream of traveling world, and fallen in love with him along the way. What happens when she asks him to come with her to Paris? An aesthetic and a ficlet for @mariequitecontrarie‘s birthday. (nsfw)

April

Rumbelle

Hearts Off Balance Chapter 2 & Chapter 3 (complete) Belle works at the same museum as Gold, and while she’s attracted to him, he’s being a huge ass. After being denied a promotion, she’s called into his office, and her frustration, sexual and otherwise, bubbles over. (nsfw)

Woven Lace

Happy Hour - An argument between Weaver and Lacey in Roni’s bar leads to sexy shenanigans in the bathroom. (nsfw)

May

Rumbelle

Parent Teacher Conference: Teacher Appreciation Week (nsfw) - Belle is a teacher, Gold is the parent of a student, and during parent-teacher conference night, they find themselves alone with their mutual attraction.

Parent Teacher Conference: Summer School (nsfw) - After a tutoring session, Belle and Gold find themselves alone in the house and unable to resist temptation.

Between Us (nsfw) - Rumplestiltskin accidentally spills a potion that has some interesting, awkward, and frustrating effects, which he tries to hide from Lady Belle. But Belle knows something is *up* and she’s determined to find out what… Part of The Between Verse Series.

Woven Lace

Scars to Show: Out of Sight (nsfw) - Lacey’s boyfriend is arrested, but not without incident. In the aftermath, Weaver finds himself on Lacey’s bad side, but an encounter at Roni’s leads to a making up… of sorts. Part of the Scars to Show verse which started with Happy Hour.

Doctor Who

Stay - Ten II x Rose For the drabble prompt “Stay” at doctorroseprompts on Tumblr.

June

Rumbelle

Parent Teacher Conference: 3 - After School Special (nsfw) - Gold and Neal go out for dinner, but whom should they see at Granny’s diner but the lovely Miss French.

Parent Teacher Conference: 4 - Distance Learning (nsfw) - A frustrated Belle starts fantasizing about Gold, who makes a very timely phone call.

Pillow Talk (nsfw) - For a prompt at a-monthly-rumbelling, Dark Castle, first time, fluff.  A quiet moment and some introspection after their first time.

Between Us Part 1 and 2 (nsfw)- Rumplestiltskin accidentally spills a potion that has some interesting, awkward, and frustrating effects, which he tries to hide from Lady Belle. For the lust potion prompt at a-monthly-rumbelling.

In These Final Hours (G) - Belle’s friends drag her out for drinks and karaoke on one of her last nights in Storybrooke. After a couple of glasses, she gets up the nerve to sing a song about unrequited love, secretly directed at her friend Mr. Gold. Except Mr. Gold is in the audience.

Woven Lace

Scars to Show: Lost On You (nsfw) - Lacey and Weaver go back to her place to finish what they started at the bar, but the end is not what Lacey expects.

July

Rumbelle

Lover of the Light - An RCIJ fic for @evilsnowswan. Belle finds a bowl of strawberries in the castle and it leads to a significant moment between her and Rumple. (nsfw)

Woven Lace

A Holy Fool - Weaver and Rogers do a little police work, but end up striking out. Meanwhile, Lacey has a disturbing moment after Nick is released from jail. (semi-nsfw but only for some dirty talk at the end)

August

Rumbelle

Parent Teacher Conference chapter 5 -  Belle has a no good, very bad day, and Gold makes it better. Right before he fucks it up… (nsfw)

Laundry Day -  Rumplestiltskin returns home to find Belle wearing a very interesting outfit. (nsfw)

Working Out chapter 16 COMPLETED!!! -  THE BIG DATE. Romance…go! I can’t believe I finished this fic finally.

Through a Paris Window - Gold admires his wife and can’t help taking a little video with his shiny new phone.

The Kissing Booth -  Belle is running a kissing booth to raise money for the library. When Gaston approaches, Mr. Gold comes to the rescue.

Golden Lace

The Don’t Fall in Love Job chapter 1 -  Con artist Lacey never planned on staying in Storybrooke, just long enough to let the heat cool off in Boston from her last job. She also never planned on falling in love with the town’s eccentric pawn broker, Mr. Gold, but here she is living a life built on nothing bu lies. Well, almost nothing… This is what happens after it all falls apart.

September

Rumbelle

Parent Teacher Conference chapter 6 - In the immediate aftermath of Neal disrupting their activities, Gold calls Belle and makes amends for his behavior. AKA Gold done fucked up and he knows it, but Belle is pretty forgiving…and also horny on main. (nsfw)

After Party - Belle and Gold arrive home from a formal party to have another party of their own.

The Bartender chapter 5  - After 84 years no updates, ta-da! Bartender!Belle and Gold work their Saturday night together.

Only Something in Me -  Furious over Rumple’s involvement with the Evil Queen, Belle confronts him in his shop. But things do not go as planned once Belle’s anger and jealous take over. Post 6x07 Heartless.

Golden Lace

The Don’t Fall in Love Job chapter 2 -  Con artist Lacey fic for the little Angst War continues. Gold goes after Lacey, and things get a bit heated. (nsfw)

The Don’t Fall in Love Job chapter 3 - After leaving Storybrooke, Lacey gets some unexpected, life changing news, and remembers the first time she met Mr. Gold.

Some Other Time - College student Lacey dumps her boyfriend and needs a new apartment, it just so happens her professor, Dr. Gold, has a room to rent. (Teen)

Some Other Time chapter 2 - For anon who asked: Does Some Other Time!Lacey do yoga? If so, does Gold like to watch without her noticing? (rating goes up to Mature!)

October

Rumbelle

The Bartender Part 6 - After not seeing Gold for a couple of weeks, Belle reflects on her feelings for him and decides to track him down.

The Bartender Part 7 - Now awake, Rumplestiltskin makes his way to his shop to recover and remember how he and Lacey met, while he figures out what to do next.

Parent Teacher Conference Chapter 7 - Belle goes to visit Gold in his shop, and of course naughtiness ensues. Extremely naughty (read the warnings.) (nsfw)

November

Rumbelle

The Bartender Part 8 - Rumplestiltskin visits Belle (Lacey) at the Rabbit Hole to make amends, and a date happens.

Parent Teacher Conference Chapter 8 - Belle goes to Gold’s house for dinner, but things don’t turn out the way either of them plan. 

Parent Teacher Conference Chapter 9 - Gold and Belle finally confront their feelings, and the future begins. (nsfw, and also complete!!)

Golden Lace

Some Other Time Part 3 -  Following Gold’s post-shower, full frontal mishap, Lacey attends one of his classes and things get…suggestive. (nsfw)

December

Rumbelle

The Pretty Librarian - Mr. Gold goes to the library to return a book and something unexpected happens. (nsfw)

Rumbelle/Golden Lace/Woven Lace/Macelle for 31 Days of Fandomas

A Card for Mr. Gold - Part 1 - 9 (Rumbelle, G) -  Mr. Gold receives a card on Christmas Eve.

The Gift - A Working Out ficlet (Rumbelle, Teen) - Belle gives Gold the best Christmas gift ever. Takes place after Working Out!Rumbelle are married, approximately 2.5 years after the end of the main story.

Win-Win Situation (Rumbelle, Explicit) -  Belle and her husband get up to some naughtiness at a holiday charity event. (nsfw)

Desperate Souls (Macelle and Macey, Teen) - Ex-priest Joseph is having a bad day, but someone is watching over him.

Yippee Ki Yay (Woven Lace, Mature) - Lacey and Weaver spend Christmas together. (nsfw)

Traditions(Golden Lace, G) - Lacey thinks she’s going to spend Christmas alone.

Some Other Time - Part 4 (Golden Lace, Explicit) - The incident with the lollipop behind them, Gold and Lacey look forward to the holidays. (nsfw)

Carol of the Belles (Rumbelle, G) - Mr. Gold is being driven slowly mad by the caroling outside his house.

All I Want for Christmas Part 1 - 5 (Rumbelle, Teen) - Young Gideon French tells Mr. Gold what he’d like for Christmas.

Very Nice Indeed (Golden Lace, Explicit) - Lacey asks Gold if she’s been naughty or nice. (nsfw)

One Hour (Woven Lace, Mature) - Lacey talks Weaver into going to a holiday party. (nsfw)

Some Other Time - Part 5 (Golden Lace, Explicit) - Lacey gets a package, and Gold gets a peek. (nsfw)

By the Fire (Rumbelle, G) - A quiet moment in the Dark Castle.

The Ornament (Golden Lace, G) - Lacey returns and sees Gold has fixed something.

Peppermint(Golden Lace, Explicit) - Gold needs to hear the words. (nsfw)

Some Other Time - Part 6 (Golden Lace, Explicit) - Lacey plans a sexy surprise for Gold, but her plans get derailed by another surprise. (Takes place immediately after the last chapter.) (nsfw)

Resolutions - New Year’s Eve aesthetic + drabble (Golden Lace, Teen) - Mr. Gold has made a New Year’s resolution.  

Kastle

No One Says It Out Loud (Kastle, Teen) - Karen’s house sitting for the holidays and Frank’s back in town.

[kiss-my-freckle]

Timeline notes

1x1 -

Ressler: Raymond “Red” Reddington attended the Naval Academy. Top of his class. Graduated by the time he was 24. He was being groomed for admiral. Then in 1990, Reddington’s coming home to see his wife and his daughter for Christmas. He never arrives. This highly respected officer up and disappears from the face of the earth until four years later when classified NOFORN documents start showing up in Maghreb, Islamabad, Beijing. These leaks were traced to Reddington. This guy’s an equal opportunity offender, a facilitator of sorts, who’s built an enterprise brokering deals for fellow criminals. He has no country. He has no political agenda. Reddington’s only allegiance is to the highest bidder. Tech: They call him something in the papers. Cooper: “The Concierge of Crime.”

2x1 -

Aram: So he’s looking for someone who lived in D.C. before 1990, has a prescription for Lipitor through Medco, downloads World War II documentaries on Netflix not Amazon and has a digital subscription to both the Wall Street Journal and CatFanatic.

Naomi: I had a life, you know? My daughter had a life with a house and a dog. And then I woke up one day. You can’t imagine what it’s like to have a man like Raymond Reddington turn your life upside down. They accused me of being a part of it? Somehow, I was a suspect. Put my life under a - a microscope every call, every charge. My assets were - I finally convinced them I was innocent. They said I had to go, give up everything. I remember it was a Wednesday afternoon. My daughter wasn’t even out of school yet. And by Thursday, we were in Philadelphia, fending for ourselves.

2x2 -

Liz: I confirmed your daughter was placed in protective custody with her mother in 1990. The Marshal service lost contact seven years ago. She is unaccounted for.

2x8 -

Berlin/Kirchhoff: It was in ’91. The Soviet union was falling apart. A small group of us. Members of the Politburo, the military, KGB, Stasi. Had a plan to push back the progressives, to stem the tide. We were meeting and discussing strategy when a bomb. Red: The Kursk Bombing. Berlin/Kirchhoff: Fifteen died. And with them, our resistance. Rumors began that the Americans were involved. One name emerged. Yours. You came after my daughter. You exposed her as a dissident. She went to jail. After that, my loyalty was questioned. I was exiled to the Gulag, where, one by one, her bones were sent to me.

Liz: You’re working with Berlin? Red: I need to talk to you about a bombing in the Soviet union Kursk, 1991.

2x10 -

Several TV news people: We are just now getting word of a story developing out of Hong Kong. Sources say authorities there have apprehended legendary criminal Raymond Reddington. He’s been on the FBI’s Most Wanted list longer than any other fugitive, but tonight, sources are confirming Reddington was arrested in Hong Kong just hours ago. Reddington was once a rising star at the Pentagon. Sources say he was being groomed for admiral when, on Christmas Eve, 1990, while on his way home to visit his wife and daughter, Reddington vanished. Reporter: Four years later, Reddington resurfaced and was charged with treason in absentia for selling top-secret American intelligence to foreign states.

3x4 -

Red: I was completely swept up in the idealism of the theatre owner - a pipe-smoking cream puff of a German named Gerta. She read “Mother Courage” to me aloud - the whole play in one sitting. A brilliant exploration of the politics of war and those who profit from it. Sadly, it was 1991, and audiences were going in droves to see “Cats.”

3x11 -

Liz. Who is this guy? He claims he’s Reddington? Samar: Yes, and we can’t disprove it with DNA because there’s nothing on file from 1990 when Reddington disappeared.

Devry: March 8, 1985, I ran point on an attack on the Beirut home of Mohammad Hussein Fadlallah. June 1989, I coordinated Operation Minesweep, which provided back office support and oversight for Naval Intelligence operations in Kuwait carried out by the 160th SOAR.

3x16 -

Red: Velov is the one who lied to you, Lizzy, not me. Katarina Rostova committed suicide in 1990.

4x13 -

Red: I first met Stratos Sarantos when he was running guns to Cypriot resistance fighters in 1987. For more than 20 years, he’s overseen my shipping concerns from the Bosphorus to the Suez Canal.

4x16 -

Cooper: Kathryn Nemec is missing? Aram: Yeah, she disappeared in 1991, just dropped off the grid.

Aram: Kathryn Nemec. But she’s been missing since 1991.

5x19 -

Red: In 1990, the KGB and the CIA had almost nothing in common except the mutual determination to hunt down one individual. Jennifer: You. Red: Being a fugitive from American law enforcement is a lot easier than being a fugitive from the two most powerful nations on Earth. And anyone close to a target of theirs becomes a target themselves. Jennifer: Family. Red: Especially family. Unless they’re abandoned on the side of a road on Christmas Eve. Jennifer: After you left, we went into Witness Protection. Red: Put where the Cabal wouldn’t find you.

6x1 -

Liz: Raymond Reddington is a fraud. An imposter who took our father’s place over 30 years ago. The FBI can trace this Reddington forward from ’95. And I know for a fact that our father died five years before that.

6x5 -

Jennifer: It’s not the data, but it turns out the file names were coded using patient-intake dates. October 3, 1991. Liz: The date Reddington was admitted?

6x9 -

Sima: As the ranking officer on that Reddington Task Force, were you familiar with an incident that occurred involving the U.S.S. Gideon in March of 1990? Ressler: I was. Yes. The U.S.S. Gideon was an Ohio-class submarine sunk by the Soviet Navy while on a secret mission in the Barents Sea. 134 men were on board. They all died.

Red: If you found his archives, I need the tape of a phone call he recorded on December 7, 1990.

Cooper: Reddington told us to look for a very specific needle in this haystack. A recording taken on December 7, 1990.

Cooper: We’ll start over. Samar: Uh, I don’t think we have to. December 7, 1990.

Samar: It can’t be a coincidence that Reddington is looking for a recording made on December 7th, and, on December 11th, an assassin injures Bailey and murders a man who appears to have been his lover. Liz: Maybe he used the tape to try and blackmail someone who didn’t take kindly to being blackmailed.

Nuss: A month before the incident, a corporate account was opened in a Cypriot bank known to work with Soviet intelligence. The only person with the power to withdraw funds was the company president. Sima: And who was that? Nuss: Raymond Reddington. Sima: I’m sure many accounts were opened in the weeks prior to the tragedy of the Gideon. What makes you think the activity in this account was connected to it? Nuss: Because a front company for the KGB wired $3 million into the account a day before the incident, and another $3 million the day after it. One week later, the entire amount was withdrawn. Sima: By Reddington? Nuss: Yes. Using fingerprints and a password.

Red: You said the withdrawal required fingerprints and a password. Nuss: It was done remotely. Red: So if someone had a copy of my fingerprints and knew the password, they could have made the withdrawal, and no one at the bank, nor yourself, would have known the difference? Nuss: I, uh - suppose that’s possible. Red: Yes. You know what else is possible? That I was framed by Katarina Rostova, which I could prove if Your Honor would grant me even the shortest - Judge Wilkins: All right, the court will stand in recess.

20, 25, 30 years

Cooper: Remember, he’s been off the grid for over 20 years. (1x2) Cooper: Reddington has brokered some of the most comprehensive international criminal activity in the past 20 years. (1x2) Red: I’ve been moving comfortably through the world for the past 20 years without a trace, and now some two-bit spy killer is gonna put my life and business in jeopardy? (1x3) Fitch: Ray. It’s been, what - 20 years? (1x10) Red: No traffic. No cars to come help. Just me and a car full of gifts. It was more than 20 years ago. (Christmas Eve, 1x14) Tom: Best I can tell, their paths have crossed at key moments in the past 20 years. Quantico, Baltimore. (1x16) Naomi: If you’re looking for him, I can’t help you. You have to listen to me. Reddington - I haven’t I haven’t seen him in 20 years. (2x1) Samar: He’s been on the run for 25 years. His arrest was bound to happen. (2x10) Liz: They put a bullet in your chest, and you have no idea how. You’re the most cautious person I know. The FBI couldn’t find you for 20 years, but they did. (2x21) Aram: Because it was listed in the Fulcrum. 25 years ago, Hanover was a low-level staffer on the Hill. (3x3) Hitchin: I know about the Fulcrum. I’ve seen the list. It’s 25 years old. (3x5) Red: Your past three months have been what my life has been like for the past 25 years. I’m often exhausted. (3x11) Cooper: He disappeared 25 years ago. Could’ve had surgery. (3x11) Dom: I could’ve spent the last 30 years just being her grandfather - you selfish prick. (3x20) Kirk: I’ve been imagining this moment for the last 25 years. (3x23) Red: I know what it’s like to be hunted. I’ve protected myself for 30 years. (4x1) Red: I’ve been disappearing for over 25 years. I don’t need your help to disappear. (4x7) Tom: From 30 years ago. Clearly, it was flawed. (Kirk's DNA test, 4x7) Cooper: But she’s been missing for 25 years. (Kate, 4x16) Liz: He stole it from me 25 years ago. That’s why we needed you to get it back. (Fire memory, 4x19) Red: Understand this was 25 years ago now. I was younger, myself. Intent on building an empire, intent on becoming the powerful criminal the world had been told I already was. (4x19) Red: Nikolaus has been on my payroll since I introduced him to you 25 years ago. (4x19) Liz: From 25 years ago? No. But then, you wouldn’t be very good at your job if I did. (4x19) Red: I’ve spent 30 years building an intelligence network of spies, informants, patriots, traitors. (4x20) Liz: Kaplan spent 30 years tending to his messes while Reddington built his criminal empire, and it took her five months to surgically dismantle it. (4x21) Kate: I’ve been his cleaner, keeper, and confessor for 30 years, and I’m prepared to tell you everything you need to know in open court. (4x21) Dom: My own granddaughter three feet away after almost 30 years, I couldn’t say a damn thing to her. (5x13) Jennifer: Perhaps you’ve heard of him. His name’s Raymond Reddington. He’s been on the FBI’s Most Wanted List for 20 years. (5x18) Garvey: Everything you believed for the last 30 years has been a lie. You’ve spent a lifetime hiding for no reason. (5x19) Sutton Ross: For 30 years, I’ve wanted to be in the same room as Raymond Reddington, the bastard who tricked me into selling the Chinese a dodo bird when they were looking for an eagle. (5x22) Liz: Why he came into my life, why he took your life, why he spent the last 30 years pretending to be Raymond Reddington. I’m gonna figure all that out, and then I’m going to destroy him. (5x22) Liz: Raymond Reddington is a fraud. An imposter who took our father’s place over 30 years ago. (6x1) Liz: We haven’t seen him in over 30 years. He became a fugitive when we were kids. (6x1) Liz: Raymond Reddington. Not the real one, the reinvented one. The one who’s been Raymond Reddington for 30 years, longer than anyone else. (6x2) Aram: 30 years on the run, and a beat cop picks him up at a pretzel cart. (6x2) Sima: You’re aware that, for almost 30 years, he’s maintained a vast criminal empire - (6x3) Red: Getting caught after 30 years? The odds were, I’d be caught after three. (6x4) Red: Officer Baldwin, I’ve been evading the police and law enforcement for almost 30 years. (6x5)

[coralsoulperson]

US Jobs Report, US Fed Rate Cut, Chinese EVs Ka Market Par Kya Impact

#mutual funds #mutual funds for beginners #mutual funds investment #best mutual funds #how to invest in mutual funds #best mutual funds for 2024 #mutual funds india #invest in mutual funds #top mutual funds #bank of india mutual fund scheme #best mutual fund to invest now Ho...

[stoxboxinvesting]

Thematic Investing Long Term India Examples Funds Benefits

Thematic Investing Opportunities for the Long Term The Indian economy has managed to stand tall despite the pressures being applied by the pandemic and the war between Russia and Ukraine. With a stable government focused on economic growth and infrastructure development, the Indian economy is poised for a period of sustained and robust expansion. According to a recent UN report[1], India is expected to grow by 6.4% this year. While the projection has been lowered from last year’s 8.8% due to the impact of geopolitical unrest, India is still the fastest growing major economy in the world. In fact, India’s projected growth rate is more than double that of the global economy, which is now expected to grow by only 3.1% in 2022. With India entering its Amrit Kaal, and moving steadily towards 100 years of Independence, there are strong cues for long term structural growth, boosted by the alignment of various economic parameters. Given the country’s massive youth population, and its potential for growth, in terms of both scale and capability, India’s economy is expected to grow for the next 15 to 20 years, that too, at a remarkable pace. The progressive ruling government is keen on initiatives such as AatmaNirbhar Bharat and Digital India, and this has opened up huge tailwinds for sectors such as digitization, electronics, manufacturing, infrastructure, etc. Considering the technology sector, there are multiple emerging opportunities in the industry, with almost all sectors now depending on technology for innovative solutions. Businesses are now harnessing technology to boost scale, develop novel use cases and facilitate seamless customer experiences, making the case for sustained growth in the overall tech segment. Another sector likely to flourish over the medium to long term is electric vehicles. People are becoming more climate- and environment-conscious in their decisions, and, with the prices of crude oil surging, the time is right to make a move, from fuel-based vehicles to electric modes of transport. Popular companies like Ola and Tata are making strong headway in the sector, with electric models now available in both the 2- and 4-wheeler categories. As more and more people are poised to veer towards electric choices, the EV sector is in for tremendous growth, making it a structurally potent opportunity for investors. Thematic Investing The simple concept behind thematic investing involves pursuing structurally strong themes in the quest for market-beating returns. Focused on predicted long-term trends, thematic investments allow you to build positions based on your outlook for the future. For instance, if you strongly believe that the Indian economy will be bolstered by technology in the years ahead, you can invest your corpus in technology sector companies like Infosys, Tech Mahindra, TCS, etc. and wait for your prediction to bear results. However, as individual investors, it may be difficult for you to choose the right theme and invest your money across the different companies driving the sector. In this scenario, how can you, as an investor, benefit from the long-term structural potential offered by thematic investing?   Opportunities for the long term Long Term Investing A great way to enjoy the benefits of well curated themes is to choose the mutual fund route. Most asset management companies offer you a variety of thematic investing options to choose from, with a sound rationale and projection, and all you have to do is pick the one that best aligns with your vision of the future. Investing via a mutual fund scheme will also help you participate in the growth of all the companies in the chosen sector, instead of investing in the stocks of just one or two companies, thus enhancing your potential for returns and limiting your risk. Thematic funds are usually categorised as very high risk, as they are based on predictions and projected numbers. However, if you are keen on investing in the equity sector, and are prepared to bet on your vision, thematic funds offer great opportunities to beat the market. Further, your portfolio diversification will be limited if you only invest in a specific sector or theme, and this may pose added risk to your corpus. It is, therefore, advisable to diversify your portfolio and hedge your thematic investment with other investments in low risk asset classes. If you are eager to invest in thematic funds, remember to stay invested for the longer term as most of the emerging themes are structural in nature and will require anywhere between 5 to 10 years to pan out successfully.   [1] https://www.business-standard.com/article/current-affairs/india-retains-top-spot-as-fastest-growing-major-economy-un-report-122051900021_1.html FacebookWhatsAp

[dtinvestments]

The difference between investing since birth for 25 years and starting investing at the age of 18 till 25! There are a variety of investment options that you can consider for your childs future: Equity Mutual Funds Public Provident Fund Debt Mutual Funds Recurring and Fixed Deposits Sukanya Samridhi Yojana Investing in your child’s future is the best gift that you can give them and the one that will benefit them the most! . . . #childrensday #happychildrensday #futureplans #future #stocks #stockmarket #investing #money #investment #heromotocorp #digitalrupee #RBI #newsupdates #EV #DTINVESTMENTS #nse #bse #stockmarket #stockmarketindia #stock #trending #trend #tradingstocks #ipo #viratkohli #tata #stockmarketmemes #stockmarketnews https://www.instagram.com/p/CfDgvKGPzmK/?igshid=NGJjMDIxMWI=

[eaukraine-eu]

The day before, US Secretary of State Anthony Blinken, who arrived in Ukraine on a working visit, made two truly sensational statements. According to him, in the near future, Washington will provide Kyiv with another package of gratuitous financial assistance in the amount of 1 billion 3 dollars, and is also implementing a plan to supply modern weapons to the Armed Forces of Ukraine. According to the head of the US State Department, this will allow Ukraine to strengthen its counteroffensive in the Donbass and Zaporozhye regions, as well as in the Kharkiv direction. Skeptics also suggested that in this particular case, the initiative of Blinken in particular and the United States of America as a whole in the context of Ukraine would not be crowned with "grand success". It would seem that there are no prerequisites for skepticism. During a personal meeting with his Ukrainian colleague Dmytro Kuleba, Blinken personally guaranteed that these funds would be made available to the Ukrainian army no later than mid-October of this year. Moreover, in the foreseeable future, the US Congress will consider transferring a batch of F-16 aircraft to Kyiv. But here's the thing: earlier, US President Joseph Biden, in his best traditions, proposed to allocate $ 20 billion to Kiev for military needs at once, and to use the best Pentagon bases to train Ukrainian soldiers and officers. The same Congress intervened, the majority of which, as you know, are representatives of the Republican Party. As a result, the amount of payments to the Armed Forces of Ukraine was reduced by 20 times, and the idea of training military personnel for consideration in the highest legislative body of the United States was never accepted. And yet, the visit of the head of American diplomacy to the Ukrainian capital is difficult to overestimate. First of all, because the very fact of Blinken’s arrival in Kyiv, which is considered a potentially dangerous capital of a European state in the military sense, speaks of Washington’s continued active support of the team of the incumbent Ukrainian President Volodymyr Zelensky. Moreover, the Ukrainian Foreign Ministry has a unique opportunity to coordinate the actions of Kyiv and Washington on the eve of the meeting of the UN General Assembly at the end of September. "For Ukraine, Blinken's stay in Kyiv brought, so to speak, new trends," American political commentator William Connolly said in a commentary for EURO-ATLANTIC UKRAINE. it is possible that in the near future relations between Kiev and Washington will enter another mutually beneficial phase." It is assumed that, based on the results of his visit to Ukraine, the head of the State Department will prepare a report personally to US President Biden. What conclusions Blinken made from meetings with the first persons of the Ukrainian state will become known next week. ​

[gravyt]

Sparkling Lessons on Personal Finance to Light Up Your Diwali!

Finally, we are getting the opportunity to celebrate. The Diwali Festival is near.

May the millions of lamps of Diwali brighten your life with wealth, health & happiness.

Here are some meaningful Financial lessons that can help you celebrate this Diwali in a true manner.1. Well begun is half done

Preparations for the Diwali festival start at least one month before. When you start preparing well for something in advance, the chances of becoming successful are higher.

The same logic applies to personal finance. Hence, to ease out the future, planning for long-term goals, retirement is inevitable. Further, the best part is, you can achieve your financial goals comfortably with less money if you start early.

Let’s see it practically.

TargetRs. 1 Cr.Rs. 1 Cr.Rs. 1 Cr.Rs. 1 Cr.

At the age of60 Years60 Years60 Years60 Years

Investment Start Age30354045

Monthly Investment RequiredRs. 2861/-Rs. 5322/-Rs. 10109/-Rs. 20017/-

(assuming returns @ 12% p.a.)

2. Clean your Portfolio

Diwali preparations start with tidying up and cleaning your house. Likewise, your investment portfolio also needs cleaning. This is the time when you should review your investments. Excess Mutual Fund Schemes, Insurance Policies, Stocks should be gotten rid of.

It means, few investors are habituated to buy insurance policies every year to save tax. Some people are gravitated to invest in every NFO (New Fund Offer). It creates a lot of chaos. Excess diversification in investment is also bad in terms of efficiency.

An adequate Term Plan, Health Insurance, and Critical illness cover are sufficient for your Insurance Portfolio. For Mutual Funds, 4-8 schemes according to amount are considered as well diversified. Normally, try to avoid penny stocks unless you have good knowledge about the Share Market and particular industry.

Your portfolio will perform better if it is clean and tidy. It would be easy to review it.

3. Stop wasting money. We worship money.

On the day of "Lakshmi Pujan", we worship Goddess Lakshmi (Goddess of Wealth). The lesson is that wealth is very valuable in our life. We should stop wasting money on unnecessary stuff. Every unnecessary spending is a hurdle on the way to Wealth Creation.

"If you buy things you do not need, soon you will have to sell things you need"

Investing money for a better future is the best way to worship Goddess Lakshmi.

4. Safety is more important than the celebration

Diwali means celebration, happiness, gifts, sweets, & firecrackers. But, will you let your small child play with firecrackers alone? No. You will always make sure your children and family are safe. You will supervise them.

Similarly, in personal finance, safety means insurance. Mishaps can happen at any time. You cannot avoid it. Hence, be prepared for it. Insurance of your life and Health is an inseparable part of finance. Minimum 10-15 times of your annual income is the cover of your Term Plan. On the other hand, you should have Health cover equivalent to at least 50% of your yearly income or up to Rs. 5.00 Lacs whichever is less.

Don’t take tension. Take insurance, it is relatively cheaper.

5. Avoid the additional burden of loans

Festivals are the days where there are a lot of offers and discounts on big purchases. We often fall for such temptations. We buy stuff that we cannot afford or don’t need by availing Personal Loan from the Bank.

It becomes a Debt trap. Higher the loan burden, higher would be the stress and less freedom. It is acceptable if your loan burden is up to 20%-25% of your net monthly income. Beyond that limit, it can be risky.

Bank Loans availed for the house, purchasing land, business expansion, or higher education is good. It is because you are creating assets. But avoid buying household items, consumer durables, electronic items on loan. They are depreciating stuff. Its value decreases over time.

We hope that you find these financial lessons helpful.

The Festival of Diwali is celebrated as the triumph of light over darkness, good over evil. Financially speaking, let the Financial Wisdom win over ignorance this Diwali.

Have a safe and Happy Diwali!