#can government employees invest in stocks

[techandtravel]

Can govt employee invest in share market 2023

Can govt employee invest in share market? Can govt employee invest in share market?Investing in the Share Market: A Comprehensive Guide for Government EmployeesIntroductionUnderstanding the Share MarketAssessing Your Financial GoalsInvestment Options for Government EmployeesAdvantages of Investing in the Share MarketMitigating Risks in the Share MarketTax Implications for Government…

[misfitwashere]

Autocracy and Poverty

Trump and Vance bring them together

Timothy Snyder

Oct 06, 2024

When I am on media, television hosts ask how democracy is relevant to people who are voting on kitchen-table issues.  That’s easy. 

When Trump destroys our democracy, he will also destroy our economy. 

Autocracy will bring poverty.

Think about the politicians Trump idolizes, Vladimir Putin in Russia and Viktor Orbán in Hungary.  The first undid a democracy through fake emergencies, the second through persistent constitutional abuse.  It is not hard to see why Trump likes them. 

Now consider the Russian and Hungarian economies.  Russia sits on hugely valuable natural resources, and yet is a poor country.  The profits from its oil and gas are in the hands of a few oligarchs.  Hungary sits in the middle of the European Union, the most successful trade project of all time.  And yet Hungarians are poorer than their neighbors, in part because the Orbán regime corruptly channels EU resources to friendly oligarchs.

The lesson is clear.  Democracy is a method of checking corrupt rulers.  When there is no functioning democracy, corruption is unchecked. 

And democracy is an element of a more fundamental guarantor of prosperity, the rule of law.  In Hungary and Russia, the rule of law has been bent and broken, to the benefit of the few, and to the detriment of the many. 

Ending the rule of law is the Trump-Vance platform. 

Trump is running as a candidate who has attempted a coup against constitutional rule. Vance has already said, multiple times, that law does not govern who leads the country, and that he would have supported Trump’s coup attempt.

The rule of law begins from the principle that we are all equally subject to to it. Trump promises to weaponize the law to immunize himself and his supporters and to pursue his political opponents.  Those who worked with him in the White House believe him. 

Laws are executed by trained civil servants. Trump and Vance back a plan to fire the forty thousand federal employees who now execute the law and replace them with forty thousand loyalist hacks.  That is Project 2025.

It doesn't take much imagination to see where this leads.  Here are five quick examples.

1.  The very rich will not be taxed, but you will be taxed more. The hardest thing the IRS does is to tax the wealthy.  In an atmosphere of lawlessness and favoritism, this will become impossible.  Insofar as the federal government runs at all, it will be by taxing the middle class.

2.  The banks can collapse.  As we saw in 2008, our financial system is held together by a very thin tissue of regulation.  Unless laws are enforced, as they won't be under a Trump-Vance administration, the overadventurous will very likely draw us all into another financial disaster.  The bailout will be paid for by the average taxpayer because the rich won’t be taxed (see number 1).

3.  Americans will be at risk of losing their benefits.  Social Security and all the rest depend upon a functioning federal bureaucracy, which is exactly what Project 2025 guarantees that we will not have.  Americans take for granted federal institutions, from VA Hospitals to the insurance of bank accounts (see number 2). 

4.  The stock market can crash.  It depends upon the laws that prevent insider trading and other abuses.  If these laws are applied selectively, and if the people who used to enforce them have been fired, then corrupt investors will win while others lose out.  After a time, the stock market loses its prestige, investors go elsewhere, and everyone loses. (And those who were treating their investments as cushioning to their retirement benefits are now poor: see number 3).

5.  Businesses will get stuck.  Doing business depends upon all sorts of interactions with the federal government.  When the federal government loses its civil servants, much of this will stop happening.  Or, worse, companies with personal connections will be able to continue functioning without following any rules, while others will grind to a halt.  This means millions of people losing their jobs. (And it is now hard for businesses to raise money: see number 4).

This list could go on.  The collapse of the economy is not a bug of autocracy, but a feature. 

There is an autocratic logic to economic failure. When nothing works, when law does not matter, when elections are irrelevant, the only way Americans will be able to get anything done is by appealing to those who have power.  We will have to give bribes to the corrupt and hope for favors from the top. 

Once we behave like this, we get used to the idea that only the leader can fix things, which is of course what Trump likes to say.  And so the circle closes and the new regime is installed.

The new autocracy is confirmed by our new poverty. That is, in any event, the Trump-Vance plan.

They are talented politicians, and they have an alternative to democracy and prosperity, which is autocracy and poverty. Whether they bring America this new regime is up to us.

(Please share this post with anyone you think could be helped by its message.)

[quackity1999]

"Investments in Las Nevadas, a massive profit in return."

Greetings, fellow readers who's interested in the succesful system of global trade, stock market and capitalism. It's been a while since we have produce an economic analysis of a country, and we don't have the liberty to discuss about our whereabouts.

Moving on, Las Nevadas, the newest addition of countries in the continent as we venture this glamorous city of lights in the desert.

We saw massive profits and entertainment everywhere for all people to serve with. According to our economic analysis and various interview from the employees of Las Nevadas stock market and National Bank.

A staggering increase 400% of foreign investments from other countries around the continent is being injected to Las Nevadas economy just for a single week. Ensuring the Las Nevadas currency is one of the raising and strong currency around the continent.

But that's not all future investors and winners, we decided to make an financial experiment as we invest 500 NVD on a local financial company in Las Nevadas. And just for 30 minutes the company stocks we bought have dramatically increasing to 150% increasing our former investment from 500 NVD to 100,000 NVD in just 30 minutes, this is a staggering successful of stock trading we have seen.

But the thing that shock us the most. Is who's leading this successful financial and well connected country?

It's former vice President of New L'manberg, and now President Quackity, ever since his first serving within New L'manberg government.

President Quackity is a open promoter of free market and global trade to bring the low economy of former country of New L'manberg, but alas.

Former President Tubbo, dismiss his ideas within the cabinet. We at the team of Ekonomists we're glad President Quackity didn't back down from his ideas.

As the scorching sun rise from dawn. Las Nevadas stand as one of the strongest financial country within the continent.

So what are you waiting for? Invest to the nearest Las Nevadas company in your country, or even better visit the country herself. So you can feel what being a successful person deserve to be treat with.

The Ekonomists, investment today, profit tomorrow.

. . oh, shit! that's a positive review for once. shoutout to the ekonomists, these guys know what's UP ‼️‼️😎😎

[elsa16744]

Why is ESG Intelligence Important to Companies? 

Human activities burden Earth’s biosphere, but ESG criteria can ensure that industries optimize their operations to reduce their adverse impact on ecological and socio-economic integrity. Investors have utilized the related business intelligence to screen stocks of ethical enterprises. Consumers want to avoid brands that employ child labor. This post will elaborate on why ESG intelligence has become important to companies. 

What is ESG Intelligence? 

ESG, or environmental, social, and governance, is an investment guidance and business performance auditing approach. It assesses how a commercial organization treats its stakeholders and consumes natural resources. At its core, you will discover statistical metrics from a sustainability perspective. So, ESG data providers gather and process data for compliance ratings and reports. 

Managers, investors, and government officers can understand a company’s impact on its workers, regional community, and biosphere before engaging in stock buying or business mergers. Since attracting investors and complying with regulatory guidelines is vital for modern corporations, ESG intelligence professionals have witnessed a rise in year-on-year demand. 

Simultaneously, high-net-worth individuals (HNWI) and financial institutions expect a business to work toward accomplishing the United Nations’ sustainable development goals. Given these dynamics, leaders require data-driven insights to enhance their compliance ratings. 

Components of ESG Intelligence 

The environmental considerations rate a firm based on waste disposal, plastic reduction, carbon emissions risks, pollution control, and biodiversity preservation. Other metrics include renewable energy adoption, green technology, and water consumption. 

Likewise, the social impact assessments check whether a company has an adequate diversity, equity, and inclusion (DEI) policy. Preventing workplace toxicity and eradicating child labor practices are often integral to the social reporting head of ESG services. 

Corporate governance concerns discouraging bribes and similar corruptive activities. Moreover, an organization must implement solid cybersecurity measures to mitigate corporate espionage and ransomware threats. Accounting transparency matters too. 

Why is ESG Intelligence Important to Companies? 

Reason 1 – Risk Management 

All three pillars of ESG reports, environmental, social, and governance, enable business owners to reduce their company’s exposure to the following risks. 

High greenhouse (GHG) emissions will attract regulatory penalties under pollution reduction directives. Besides, a commercial project can take longer if vital resources like water become polluted. Thankfully, the environmental pillar helps companies comply with the laws governing these situations. 

A toxic and discriminatory workplace environment often harms employees’ productivity, collaboration, creativity, and leadership skill development. Therefore, inefficiencies like reporting delays or emotional exhaustion can slow a project’s progress. ESG’s social metrics will mitigate the highlighted risks resulting from human behavior and multi-generational presumptions. 

Insurance fraud, money laundering, tax evasion, preferential treatment, hiding conflicts of interest, and corporate espionage are the governance risks you must address as soon as possible. These problems introduce accounting inconsistencies and data theft issues. You will also receive penalties according to your regional laws if data leaks or insider trading happens. 

Reason 2 – Investor Relations (IR) 

Transparent disclosures can make or break the relationship between corporate leaders and investors. With the help of ESG intelligence, it becomes easier to make qualitative and manipulation-free “financial materiality” reports. Therefore, managers can successfully execute the deal negotiations with little to no resistance. 

You want to retain the present investors and attract more patrons to raise funds. These resources will help you to augment your company’s expansion and market penetration. However, nourishing mutually beneficial investor relations is easier said than done. 

For example, some sustainability investors will prioritize enterprises with an ESG score of above 80. Others will refuse to engage with your brand if one of the suppliers has documented records of employing child labor. Instead of being unaware of these issues, you can identify them and mitigate the associated risks using ESG intelligence and insights. 

Reason 3 – Consumer Demand 

Consider the following cases. 

Customers wanted plastic-free product packaging, and e-commerce platforms listened to their demand. And today’s direct home deliveries contribute to public awareness of how petroleum-derived synthetic coating materials threaten the environment. 

The availability of recharging facilities and rising gas prices have made electric vehicles (EVs) more attractive to consumers. Previously, the demand for EVs had existed only in the metropolitan areas. However, the EV industry expects continuous growth as electricity reaches more semi-urban and rural regions. 

Businesses and investors care about consumer demand. Remember, they cannot force consumers into buying a product or service. And a healthy competitive industry has at least three players. Therefore, customers can choose which branded items they want to consume. 

Consumer demand is one of the driving factors that made ESG intelligence crucial in many industries. If nobody was searching for electric vehicles on the web or everybody had demanded plastic packaging, businesses would never switch their attitudes toward the concerns discussed above. 

Conclusion 

Data governance has become a popular topic due to the privacy laws in the EU, the US, Brazil, and other nations. Meanwhile, child labor is still prevalent in specific developing and underdeveloped regions. Also, the climate crisis has endangered the future of agricultural occupations. 

Deforestation, illiteracy, carbon emissions, identity theft, insider trading, discrimination, on-site accidents, corruption, and gender gap threaten the well-being of future generations. The world requires immediate and coordinated actions to resolve these issues. 

Therefore, ESG intelligence is important to companies, consumers, investors, and governments. Properly acquiring and analyzing it is possible if these stakeholders leverage the right tools, relevant benchmarks, and expert data partners. 

[pilawturkey]

Corporate Governance Consulting

Corporate governance consulting plays an essential role in enhancing the efficiency and sustainability of companies operating in Turkey. The country hosts a wide range of domestic and international firms, all of which must navigate a dynamic legal and commercial landscape. Corporate governance consulting ensures that companies comply with international standards while optimizing their management, auditing, and operational structures. By implementing best practices in corporate governance, companies can not only improve their competitiveness but also ensure long-term growth.

What is Corporate Governance in Turkey?

Corporate governance refers to a framework of rules, practices, and processes that direct and control a company. The primary responsibility for corporate governance typically lies with the board of directors, who are accountable for managing senior leadership, conducting audits, and organizing key meetings, such as general assemblies and board meetings. These activities must be carried out according to both Turkish regulations and international standards to promote transparency and accountability within the company.

The Four Principles of Corporate Governance

Globally, corporate governance revolves around four key principles that all companies must follow:

Transparency – Ensuring openness in all business dealings and communication.

Fairness – Maintaining an impartial approach to stakeholders and employees.

Responsibility – Making decisions that prioritize long-term success while upholding ethical standards.

Accountability – Being answerable for decisions and the overall governance of the company.

Companies that adhere to these principles can build stronger relationships with investors, employees, and customers, ensuring sustainable growth.

What is Corporate Governance Advisory?

Corporate governance advisory involves offering professional advice and services to companies to help them establish and maintain sound governance structures. A comprehensive corporate governance advisory service includes:

Drafting policies for hiring and overseeing senior executives.

Ensuring regulatory compliance across all operational areas.

Developing strategies for investment and risk management.

Guiding structural changes within the company, such as mergers or capital alterations.

Corporate governance consulting services also play a vital role in establishing companies in Turkey by aligning their operations with international standards for accounting, auditing, and management. By enhancing transparency and accountability, these services help companies operate more efficiently and ethically.

Legal Framework Governing Corporate Governance in Turkey

In Turkey, corporate governance is primarily governed by the Turkish Commercial Code (TCC) No. 6102 and the Capital Markets Law No. 6362. These legal frameworks have evolved in response to global economic changes and emerging commercial needs. The 2024 amendments to these laws reflect the ongoing transformation of corporate governance practices, offering companies clearer guidelines and more flexibility in managing their affairs.

Key revisions to the Turkish Commercial Code include changes to the roles of the board of directors, such as eliminating the annual election requirement for chairs and vice chairs and updating procedures for calling board meetings. Additionally, the minimum capital requirements for both limited liability and joint-stock companies have been increased significantly to encourage stability and growth in Turkey's corporate landscape.

Corporate Governance Services by Pi Legal Consultancy

Pi Legal Consultancy offers a wide range of corporate governance services designed to help companies comply with Turkish and international regulations. Our corporate governance consultants provide legal and strategic advice on various matters, such as:

Organizing board of directors and general assembly meetings.

Managing capital increases or decreases.

Ensuring good governance during structural changes, such as mergers and acquisitions.

Addressing legal liability issues for company founders, members, and managers.

Assisting with taxation and taking legal action when necessary.

Our firm also specializes in helping foreign companies establish and operate in Turkey, providing tailored solutions to improve their competitiveness and legal compliance. For more information about this topic https://www.pilc.law/practice-areas/corporate-governance-law/

[zeuscommercial]

Unlocking Business Growth: Essential Financing Solutions for Your Company

The requirement of effective financing solutions is important for expansion and survival in the current global business dynamics. Be it a young startup or a well-established firm like the multitude of investment companies around, it is necessary to understand the different available financing options and their implications on the business’s goals. Zeus Commercial Capital focuses on offering a range of monetary solutions in line with the market segments to reach various customers. In the following sections, you will find a discussion of some important sources of financing such as corporate credit cards, working capital loans, SBA working capital loans, USDA commercial real estate loans and loans under the USDA Rural Energy for America Program.

Corporate Credit Cards: A Convenient Financial Tool

Corporate credit cards can also be beneficial for companies as it allows easy expense management. Such cards ease the purchasing process by allowing employees to make required purchases rather than seeking for approval from their superiors which might be a lengthy process. Additionally, corporate credit cards are usually associated with reward programs, cash-back and even tracking of expenses making them a helpful tool in organizing the business and saving money.

Whereas the general use of corporate credit cards is permitted, this should be accompanied by the development of internal guidelines with regards to their usage. This makes it possible for the employees to be aware and practice proper self-regulatory control over their spending on the company’s behalf and equally ensure that the company’s finances are well managed. By doing that, you will appreciate the advantages of the corporate credit card features while at the same time preventing the potential dangers.

Working Capital Loans: Fueling Daily Operations

It is important for many organizations to maintain adequate levels of cash flow on a daily basis. This is where working capital loans come in helpful as the funds are readily available to cater for any short term obligations such as payrolls, stock or any emergency expenses. Such type of loans is usually less complex in nature than conventional loans and for this reason they present a perfect solution for any business that finds itself in a situation where funds are needed urgently.

At Zeus Commercial Capital we realize that each day comes with challenges in ensuring that your business runs efficiently and successfully. Our working capital loans offer you the flexibility of using the money for anything that your venture considers necessary. We offer competitive rates and terms to assist you get the CTA financing needed to keep your business activities running smoothly.

SBA Working Capital Loans: Supporting Small Businesses

Another great funding option for small businesses would be the working capital loans offered by the Small Business Administration. These loans are effectively guaranteed by the government thereby minimizing the risk for the lenders. This encourages them to come up with more attractive terms for business loans. This is why working capital loans from the SBA are provided to a wide range of businesses even to those that may not be eligible for conventional financing.

SBA working capital loans notably come with long repayment period and lower interest rates. This can help a small business owner to find a management strategy that will work for him in settling the loan. An SBA working capital loan may be an appropriate answer for business owners who wish to grow their businesses while minimizing the effect of large monthly repayments.

USDA Commercial Real Estate Loans: Investing in Your Future

When it comes to loans for businesses located in rural areas, the importance of USDA commercial real estate loans cannot be overlooked. The purpose of these loans is to promote the establishment of commercial properties in rural areas including, but not limited to, offices, retail, and industrial spaces.

Such loans are available at lower interest rates with longer repayment periods, which is ideal for companies intending to invest in improving their facilities. Opting for USDA financing allows you to benefit from the federal assistance that is meant for the improvement of rural areas and at the same time to obtain the necessary finances for business expansion.

USDA Rural Energy for America Program Loans: Sustainable Growth

Keeping sustainability a key concern in contemporary times, the USDA Rural Energy for America Program (REAP) Loans present a viable means for companies to invest in energy efficient projects. These loans are meant for rural enterprises that wish to install renewable energy systems and enhance their energy efficiency.

Taking out a USDA REAP loan allows you to cut down on your running expenses and make the world a cleaner place. Indeed, this program proves the willingness of the authorities to promote rural development by helping the businesses operate in the environmentally friendly manner.

Conclusion:

The importance of knowing the various financing options cannot be overemphasized for any business aspiring to expand in the modern-day environment. Zeus Commercial Capital can assist you, be it corporate credit cards for monthly payments, working capital loans for urgent expenses, or USDA loans for real estate deals.

Our team of specialists is committed to assisting you in identifying the most suitable financial option for your needs. You are not only assured of our products, such as SBA working capital loans or loans under the USDA Rural Energy for America Program, to help your business grow, but also to arm you properly to nurture that growth. If you are looking forward to assessing your financing options and growing your business, reach out to us. Allow Zeus Commercial Capital drive your business forward!

[saber-monet]

To Manifest more money, get more specific.

Here are a FEW( there’s nearly infinite ways, don’t close yourself off!) ways one can receive money

Treat it like Pokémon and collect them all lol

1. Salary/wages: Regular income earned from employment self/employment.

2. Investment returns: Profits gained from investments such as stocks, bonds, or real estate.

3. Inheritance: Money or assets received from a relative or benefactor.

4. Grants: Funds awarded by organizations or institutions for specific purposes, such as research or education.

5. Loan repayment: Money received when someone pays back a loan that was previously provided.

6. Dividends: Payments made to shareholders from the profits of a corporation.

7. Royalties: Payments received by creators for the use of their intellectual property, such as books, music, or inventions.

8. Tips: Additional money given as appreciation for services rendered, typically in industries like hospitality or personal services.

9. Rebates: Refunds or discounts given after a purchase, often as an incentive or promotion.

10. Alimony/child support: Regular payments made to a former spouse or partner for financial support.

11. Found money: Money discovered unexpectedly, such as in lost or forgotten accounts, or on the ground.

12. Lottery winnings: Prizes won through games of chance like lotteries or scratch-off tickets.

13. Refunds: Money returned to a consumer after returning a product or canceling a service.

14. Sponsorship: Funds provided by companies or individuals to support a person or organization in exchange for advertising or promotion.

15. Crowdfunding: Money raised from a large number of people, typically through online platforms, to support a project, cause, or individual.

16. Cashback rewards: Money returned to a consumer as a percentage of their purchases, often offered by credit card companies or retailers.

17. Scholarships: Funds awarded to students to help cover the costs of education, typically based on academic achievement, financial need, or other criteria.

18. Patronage: Financial support given by individuals or organizations to artists, writers, or other creatives to fund their work or projects.

19. Rental income: Money earned from leasing or renting out property or assets, such as real estate, vehicles, or equipment.

20. Contest winnings: Prizes awarded for winning competitions or contests, which may include cash or other rewards.

21. Side hustle earnings: Additional income earned from part-time or freelance work outside of one's primary job.

22. Government benefits: Financial assistance provided by the government to eligible individuals or families, such as unemployment benefits, social security, or welfare.

23. Referral bonuses: Money received for referring new customers or clients to a business or service.

24. Stock options: Compensation provided to employees in the form of company stock, often as part of their overall compensation package.

25. Affiliate marketing commissions: Money earned through promoting and selling products or services for companies as an affiliate marketer.

26. Consulting fees: Payments received for providing expert advice or services to clients or businesses.

27. Trust distributions: Money distributed to beneficiaries from a trust fund, typically according to the terms outlined in the trust agreement.

28. Liquidation proceeds: Money received from selling off assets, such as stocks, bonds, or property.

29. Cash gifts: Money given by friends, family, or acquaintances as a gesture of goodwill, celebration, or support.

30. Insurance payouts: Money received from insurance companies to cover losses, damages, or expenses incurred due to accidents, disasters, or other covered events.

Focus on the ones that fits your self concept the best, for the best results. 

[mariacallous]

Pensions are an important component of total compensation for most employees but particularly for public school teachers. Teachers tend to have relatively low salaries but retirement benefits that are considerably more generous than in a typical private-sector 401(k) plan. Yet the risk facing teachers is that many teacher pension plans are significantly underfunded, placing their employers under considerable financial strain, and reducing resources available for schools and for teacher pay and benefits. The funding shortfalls facing teacher pensions today stems from a long but increasing overreliance on the stock market to pay high annual returns. Unfortunately, to dig themselves out of their funding hole, many teacher pensions have doubled down on investment risk. While teacher pensions weathered the COVID-19 pandemic better than many had expected, significant funding challenges remain to be addressed. And the retirement security of America’s four million public school teachers depends upon these efforts being successful.

In an article published in the journal Education Researcher, I examined the funding of 27 teacher retirement systems from 2001 through 2019, using data drawn from the Public Plans Database,  and looked to what the financial travails of many teacher pensions could mean for the future. In 2001, the median teacher retirement system was 96% funded, buoyed by the tech bubble in the stock market. But in 2001 the tech bubble melted down, and then in 2008 the housing market melted down and triggered the Great Recession. By 2019, the median teacher pension was only 70% funded.

One flaw that most economists see in teacher and other public employee pensions is the funding rules these plans follow. State and local government pensions, including teacher plans, effectively credit themselves with the higher returns paid by risky investments like stocks before those risks have paid off. That is to say, the amounts governments contribute each year assume that those contributions will earn 7% to 8% interest in following years. Private sector pensions, by contrast, are required under federal law to assume lower discount rates based on corporate bond yields. This doesn’t mean that private pensions can’t invest in stocks. They can and do. But they cannot credit themselves with the higher expected returns paid by stock and other risky investments before those risks pay off. Consequently, the federal rules for private pensions require higher contributions upfront to maintain solvency and have resulted in a much stronger funding base over time. The typical private pension plan has put aside roughly twice as much in assets to pay each dollar of promised benefits than have teacher pension plans. While public and private pension funding rules in the U.S. evolved differently, mostly for historical reasons, most economists see no reason pensions in the two sectors should be governed differently, and in many other countries there is no distinction between public and private sector plans.

The reason teacher pension funding has suffered so much over the past two decades is that teacher pension plans overestimated the rate of return they would receive on their investment. In 2001, the median teacher plan assumed a future nominal investment return of 8.0%, ranging from a low of 7.3% to a high of 8.8%. But the median teacher plan received an average annual investment return from 2001 through 2019 that was 1.4 percentage points below the return it had assumed in 2001. The smallest gap between assumed and actual returns was a -0.2% shortfall for the Oklahoma Teachers program while the largest gap was for the New Jersey Teachers plan, which assumed 8.8% future returns in 2001 but received only 5.8% from 2001 through 2018. Not a single teacher plan actually underestimated their investment returns from 2001 to 2019. Pension liabilities tend to increase by about one fifth for each percentage point change in the discount rate applied to those liabilities. For many teacher pensions, over-optimism regarding future investment returns played the major role in the unfunded liabilities those plans face today.

And yet many teacher pensions have responded to today’s underfunding by taking additional risk with their investments, hoping that higher returns in the future will make up for past shortfalls. The median teacher pension plan in 2001 held 65% of its investments in risky assets, which include stocks, private equity, hedge funds, other alternative investments, commodities, and real estate. By 2019, the median teacher plan held 76% of its investments in risky assets.

But this increased risk-taking is happening against a backdrop in which teacher pensions are less able to weather a stock market downturn. Teacher pensions are growing more “mature,” meaning that these plans have relatively larger numbers of retirees and fewer active workers. By my calculations, in 2001 the median teacher retirement system had 2.3 active employees for each retiree. By 2019, there were only 1.3 employees per retiree. A pension plan with more retirees must pay out larger amounts each month, leaving less room for error in riding out the inevitable investment downturns.

But with annual pension contributions by schools and teachers already having risen by 70% since 2001, pension administrators may wonder how much more they can demand. Schools must pay for buildings, books, and yes, teacher salaries—not merely fund pension benefits for already-retired teachers.

Teachers and education policymakers may wish to consider more far-reaching changes. The reality is that, even as many teachers complain of low salaries, their compensation package may be overweighted toward retirement benefits—not just pensions, which are typically far more generous than private sector workers receive, but also retiree health benefits. The National Income and Product Accounts, which are compiled by the federal government, show that the average employee in public education receives fringe benefits, both present and future, that are equal to 51% of their salaries. A typical private sector worker, by contrast, receives benefits equal to only around 20% of their salary. The problem is that most employees look first at the salary offered in a job position, with pensions playing a less important role. Recalibrating teachers’ retirement packages could free up funds to increase teacher salaries, particularly starting salaries that often are deemed unattractive.

While the COVID-19 pandemic hit teacher pensions with a stock market downturn in early 2020, markets largely recovered thereafter. Moreover, generous federal government aid to state and local governments allowed states like Connecticut, Ohio, and New Jersey to make unusually large pension contributions in recent years. However, as federal aid wanes, the demographic and financial realities facing teacher pension systems will reassert themselves, and both school administrators and teachers themselves may feel the financial pinch.

Any change to teacher pensions is controversial. But teachers and public education could benefit from gradually transitioning from traditional pensions that rely excessively on risky investments to a more sustainable and affordable model that frees up resources for improved teacher salaries.

[elalmadelmar]

Do you think one can ethically enjoy the svb bank collapse. I KNOW it effects regular people and not just rich assholes but any time I read anything about it my dominant emotional reaction is "lmao get rekt." I know that's not mature, but it's so hard to feel anything else! ESPECIALLY when all the news seems to focus on is how this effects other rich people shit like stocks and investment security. I'm not happy that normal people aren't getting paid, but I am delighted that a major bank was brought down by a bunch of panicking tech bros causing a fucking bank run. Can I keep enjoying the schadenfreude, or should I put on a mourning veil and nod somberly every time it's brought up?

Hey anon, thank you for asking this question. This is an interesting one, and I had a good time chewing on it a bit before I sat down to answer.

In a way, it feels like the inverse of the "thoughts and prayers" issue. There, like here, we -- you and I, and 99.9999% of the rest of the tumblr ecosystem and the world at large -- can't do anything about the current situation. There is nothing particularly useful that we would do if we packed our bags and showed up onsite to "help," and we have our own lives that we need to keep on track.

Do I think donning a mourning veil and nodding somberly every time SVB comes up in conversation would actually improve the situation in even the tinest of ways? Not really, no, any more than posting "thoughts and prayers" on Facebook does. It's not gonna get any startup employees or contractors paid, it's not gonna convince the rest of the larger finance world to stop running around in circles and screaming incoherently, it's not gonna convince the government to maybe let the risk-hungry investors actually feel some of the pain of their risk-taking.

And, let's be real, a little schadenfreude can be cathartic. It's nice to see the guys on top of the world panic-crying sometimes. To be clear, the things that they regard as catastrophic and the things that are catastrophic for us normies down here on the ground are very, very different, and even on their worst day they're much better off than I think I will ever be, but... well, it's kinda nice to see rich assholes have bad days anyway.

But there is a risk there as well; it's entirely possible to take so much joy in the bad day of a rich man that you lose sight of the downstream impacts. One of the things that makes trying to fix our broken world so difficult is that any major event has very wide-ranging impacts, and those impacts almost always fall hardest on the people least able to cope with them. And while Facebook thoughts and prayers do nothing to help or harm others, it is also true that your habitual thoughts become your unquestioned and automatic thoughts. Unbridled schadenfreude can over time lead to a chronic lack of compassion for others, and that, I think, is something to carefully avoid.

My approach, and the approach I recommend in general, is to let multiple things be true at once, and to hold that dualism actively in your mind. Enjoy the schadenfreude -- believe me, I am! -- but don't let yourself forget the ordinary people impacted. Let an awareness of them hang at the back of your mind even while you're laughing. Not with guilt, but with caring, because much like schadenfreude, compassion is a habit you can cultivate.

[billlockyer]

What Separates a 401(k) Plan from a Pension Plan

A 401(k) differs from a pension plan in that an employee can contribute to their retirement savings account through payroll deductions. Several employers also offer matching funds. On the other hand, pension plans are retirement accounts sponsored by employers and pay out a set sum of money when the employee retires. Your salary, number of years of service, and other factors will typically determine how much you receive.

It's crucial to comprehend the costs associated with a 401k or pension if you're considering getting one. The main causes of plan expenses are contributions, returns, and management fees. However, additional costs covered by the employer, such as administration and recordkeeping fees, can also impact the cost of a 401k. It would help if you asked for a fee schedule that lists all the costs related to your plan.

Asking about service fees, which vary by fund provider, is also a good idea. Some service providers charge fees for processing tax returns, moving assets between 401(k) plan providers, and other services. A typical pension has a cost advantage of 49% over a typical 401(k)-style retirement account, according to a recent National Institute on Retirement Security analysis. This cost advantage is primarily attributable to lower investment management fees, optimally balanced investment portfolios, and longevity risk pooling.

Employer-sponsored retirement savings vehicles include pensions and 401(k) plans, two distinct types. Even though they are both well-liked, one may be preferable to the other depending on your particular circumstances due to a few differences. A 401k and a pension are fundamentally different because a 401k allows you to choose how your money is invested. Several investment options are available, including stocks, bonds, and mutual funds.

As a defined-benefit plan, a traditional pension lets you know exactly how much money you'll receive each month when you retire. The sum is determined by years of service and past salaries. The benefit is typically paid out in lump sums when you reach a certain age, a process known as vesting, or in monthly payments. However, you won't get the entire sum if you quit your job before becoming vested.

Employees can make pretax contributions to a savings account through an employer-sponsored retirement plan known as a 401(k). Employees are allowed to contribute up to a certain amount each year, and occasionally, employers match the contributions. Unlike a pension funded by the company, a 401k is based on your contributions and investments and promises to pay you a set amount of money over time. The most common kind of tax-deferred retirement account in the US is this one, which is referred to as a "defined contribution" plan.

Similar to a 401(k), pension plans have rules governing how much of your pension is tax-deductible and how much is not. General Rule, which makes use of life expectancy tables, is used to calculate the taxable portion. The general Rule can be found in IRS Publication 939, or the Simplified Method can be applied to determine a more exact figure.

Both a 401k and a pension plan offer a range of investment options. Your financial objectives and current financial situation, among other things, will influence the type of investment that is best for your retirement needs.

Employees can save for retirement through a 401(k), a defined-contribution plan, and benefit from tax breaks on their contributions. Employers frequently match these contributions. A pension plan, however, is better suited for investors who want a lifetime income guarantee after retirement. Government regulations and expert fund managers oversee the management of these plans.

By investing in various asset classes, including stocks and bonds, pension funds seek to diversify their portfolios. Additionally, they can invest in derivatives and alternative investments, reducing the risk of losing money on a single investment.

[rogueemmy]

OKAY - I had a whole ass revelation in the shower today on this exact subject.

Set the federal minimum wage at the federal poverty line...divided by 20 hours a week. (Yes, I'm fully aware that the poverty line is an antiquated number made from factors that no longer are relevant. Work with me, we aren't reforming that in this example.) So $15,060 a year, at 20 hours a week, is $15.69, roughly. Let's agree that 15 thousand isn't enough, okay, but since many, many social programs base eligibility on the poverty line, this is great. Because now we are requiring employers to pay what the government says is what it costs to live.

Cool. Now we've taken a hearty number of people off social supports - or cut what it is that they need. Not entirely, you see, because most families are not one person, young kids do not work, some people can not work - but this lifts a whole lotta people. This cuts a whole lot of corporate charity. And if you are working a full 40 hours at that rate, according to the government, you meet the poverty line for a family of four.

This is not a fix-all, buy any means. But it cuts some of the insanity out of requirements for full time employees and the corporate need to have you average 29.5 hours a week to avoid benefits.

Step two is training the dogs to behave the way you want. Make a list of socially appropriate non-profits who are tax deductible and set no limit. (Not all non-profits. I may have a church to donate to, but a corporation doesn't - or shouldn't - have a religion.) Wally World wants to donate 4 million to local food banks, the musk man wants to support stem clubs with $5 billion - cool! Write it off. Want to donate to the musk-makes-a-million group? Nope, no write off there!

And step 3 is my favorite! Require payroll information to be part of a corporation's stock disclosures - force them to list total C-suite salary, total Director and above salary, and everyone else...and express that number as a percentage. People may want to invest more in companies where the front line workers have a higher percentage. Oh! C-suite is 15 people who make 225% more than the 3,000 other employees combined? HUH. I don't want to invest there. I may not shop there, either.

You can not control what companies do, but you can regulate them towards the behaviors you want to see. Punishment doesn't work, but make it a strong financial choice?

[elsa16744]

What is ESG Investing? What is the Best Way to Get Started? 

ESG is the next big thing in investing. It offers real-world performance factors that help investors consider how companies impact the regional community when making investment decisions. They also develop strategic thinking to work toward sustainable development goals (SDGs). This post will discuss what matters in ESG investing and to get started. 

What Is ESG Investing? 

ESG investing means investors utilize the three types of compliance metrics of corporate impact metrics to screen the target companies’ stocks or funds. Moreover, corporations seek to attract such investments through responsible and sustainable business practices. 

If investors want data on the beneficial effect of a company’s operations on the local community, they can use ESG services. They can get reports from a data-driven survey concerning the environmental, social, and governance (ESG) compliance standards. 

ESG audits enable informed investment decisions and portfolio management strategies. Investors can monitor whether a firm delivers its promised SDG metrics using such inspections. Likewise, consider the investors who invest their capital into the businesses that provide their employees with fair wages and respect. 

How to Get Started with ESG Investing? 

1| Specify Which Metrics Matter the Most to You 

Investors must identify the ESG metrics, like forest preservation or tax transparency, before selecting a stock or asset class. They must also consider how all metrics have a unique significance in several industries. For example, carbon and greenhouse gas (GHG) emission risks will differ across data centers, agricultural businesses, and construction firms. 

If an organization wants to attract investors using sustainability performance, it can benefit from ESG consulting. Consultants understand the investors’ conceptualization of an ESG-first enterprise of investors and how companies can work towards improving their operations to fulfill them. 

2| Determine Realistic Goals 

Depending on the scope of the energy transition, adopting greener resources and production technologies can financially burden a business at the initial stage. So, investors, regulators, and entrepreneurs must use real-world data to estimate the progress rate of compliance improvement initiatives. 

An organization or exchange-traded fund (ETF) can fail to retain investors if the compliance milestones remain distant. Accordingly, administrators involved in regulatory policy changes that can impact an industry’s ESG dynamics must consider how long the corporate world will need to modify its operations. 

3| Mitigate Greenwashing Risks 

Companies might advertise their brand as “eco-friendly” or socially responsible. However, investors must watch out for the greenwashing attempts. Greenwashing refers to magnifying a company’s sustainability commitments with no on-ground implementation. 

An enterprise might declare it opposes discriminatory practices while showing inaction when an employee experiences workplace harassment. Another example can be an energy distributor not reducing its usage of coal and petroleum derivatives as fuel. 

Therefore, investors and fund managers must cross-verify the “green claims” that a target company makes during press releases or marketing campaigns. 

4| Get ESG Ratings Using Multiple Frameworks 

To test the legitimacy of a corporation’s SDG commitments, a rating mechanism based on multi-variate performance analytics can help in ESG investing. Today, many sustainability accounting frameworks exist. For example, the global reporting initiative (GRI) allows sectorial modules. 

Each GRI criterion addresses a family of interdependent services and products. So, an agricultural business will use a separate GRI standard, differing from the modules used in technology, finance, and manufacturing firms. 

How can investors get started with ESG score comparisons? Some online databases offer preliminary insights into how different brands and ETFs compete in this space. However, more extensive data becomes available through paid platforms or experienced consultants.  

Conclusion 

ESG criteria will empower investors to evaluate the ecological or social risks associated with how an enterprise handles its operations. Fund managers and similar financial institutions can gain a more objective outlook on stock screening using industry-relevant assistance. 

Furthermore, combating the greenwashing risks will be challenging if you are a sustainability investor, but extensive analytical models will come to your rescue. Finally, investors must refer to multiple sustainability accounting frameworks or databases to check a firm’s compliance ratings. This approach is how you get started with ESG investing. 

Nevertheless, manual inspection is time-consuming, and ESG ratings keep changing due to mergers and new projects. So, collaborating with data partners capable of automating compliance tracking, controversy analytics, and carbon credit assessments is vital. 

[executiveeducation27]

A Short Guide to Best Managerial Resources in Dallas, TX, USA - Top 3 Private & Public Sector Employers, and Investment Management

IntroductionDallas, a bustling city in North Texas, is renowned for its economic strength, cultural diversity, and modern urban landscape. With a population of approximately 1.3 million people, Dallas is part of the larger Dallas-Fort Worth metroplex, one of the fastest-growing regions in the US. Known for its thriving arts district, professional sports teams, and vibrant food scene, Dallas is a global hub for finance, technology, and telecommunications. The official language is English, and the currency is the US Dollar (USD). Dallas is also a leader in education and healthcare, making it a key destination for professionals and tourists alike.

Top 3 Economic DataDallas boasts a high quality of life, with a Quality of Life Index of 150.45, a Healthcare Index ranking of 80.12, and a Safety Index of 65.78. The city’s Purchasing Power Index is 95.67, reflecting its strong economy. The US stock market index, the S&P 500, is the benchmark for the country’s financial markets. The median salary in Dallas is approximately USD 65,000 per year, with an income tax rate of 0% (Texas has no state income tax) and federal tax rates ranging from 10% to 37%.

Top 3 Largest Industries by Number of Employees

Financial Services

Technology and Telecommunications

Healthcare and Life Sciences

Top 3 Largest Private Sector Employers

AT&T – A global leader in telecommunications and media.

American Airlines – One of the largest airlines in the world, headquartered in Fort Worth.

Texas Instruments – A major semiconductor and technology company.

Top 3 Public Sector Employers by Number of Employees

Dallas Independent School District (DISD) – The second-largest school district in Texas.

City of Dallas Government – The local government authority for Dallas.

University of Texas Southwestern Medical Center – A top public research university and healthcare provider.

Top 3 Traded Company Stocks by Market Capitalization

AT&T – CEO: John Stankey

ExxonMobil – CEO: Darren Woods

Southwest Airlines – CEO: Bob Jordan

Top 3 Hedge Funds, Venture Capital, and Private Equity Firms

Highland Capital Management – A leading investment firm based in Dallas.

TPG Capital – A prominent private equity firm with significant operations in Dallas.

Perot Investments – A private equity firm focused on growth-stage investments.

Financial DistrictThe Downtown Dallas area, particularly around Main Street and Elm Street, is Dallas’s primary financial hub. Key addresses include major financial firms like Comerica Bank and the Dallas Branch of the Federal Reserve Bank of Dallas.

Top Management Training InstituteThe International Institute of Management is Dallas’s most prestigious institute for management training. Offering short courses and workshops for public and private sector leaders, it is the go-to destination for aspiring investment managers and executives. Learn more about the management training courses here.

Best Months to VisitThe best time to visit Dallas is from March to May and September to November, when the weather is mild and outdoor activities are enjoyable. June to August is peak tourist season but can be hot, while December to February sees fewer tourists but cooler weather.

Top 3 Things to See and Do

Visit the Dallas Arts District, home to world-class museums like the Dallas Museum of Art and the Nasher Sculpture Center.

Explore Dealey Plaza and the Sixth Floor Museum, which chronicles the life and legacy of President John F. Kennedy.

Stroll through Klyde Warren Park, a vibrant urban park with food trucks, events, and green spaces.

Useful Links

Official City Government Website: www.dallascityhall.com

Official City Tourism Website: www.visitdallas.com

Official Management Training Courses Website: Management Training Programs: Short Courses & Workshops in Dallas, TX, USA

Dallas is a city that combines economic vitality, cultural richness, and modern innovation, making it a must-visit destination for both leisure and professional pursuits.

[marketingbusines]

Step-by-Step Process to Start a Mother Dairy Safal Franchise

The Mother Dairy Safal franchise is a lucrative business opportunity for aspiring entrepreneurs who want to invest in a well-established brand. Mother Dairy is a renowned name in the dairy and food industry, and its Safal division is a trusted supplier of fresh fruits and vegetables. With an increasing demand for quality dairy products and fresh produce, starting a Mother Dairy Safal franchise can be a rewarding venture. 

Step-by-Step Process to Establish Mother Dairy Franchise

Step 1: Research and Understand the Business Model

Before starting a Mother Dairy Safal franchise, it is crucial to understand the business model, investment requirements, and profit margins. The franchise operates as a retail outlet that sells dairy products, fruits, vegetables, and other daily essentials. Conducting thorough research about the brand, target market, and competitors will help you make an informed decision.

Step 2: Check the Eligibility Criteria

Mother Dairy has specific eligibility criteria for individuals interested in owning a Safal franchise. Some key requirements include:

A suitable retail space in a prime location

A minimum investment capacity as per franchise norms

Compliance with business and FSSAI regulations

A keen interest in the food and dairy sector

Ensuring that you meet these requirements will increase your chances of approval for the franchise.

Step 3: Apply for the Franchise

To apply for a Mother Dairy Safal franchise, follow these steps:

Visit the official website of Mother Dairy.

Navigate to the franchise section and fill out the application form.

Provide details such as personal information, business experience, location preference, and investment capacity.

Submit the application and wait for further communication from the company.

Once your application is reviewed, the company will contact you for further discussions.

Step 4: Secure an Ideal Location

Choosing the right location is essential for the success of your Mother Dairy Safal franchise. The outlet should be situated in a high-footfall area such as residential neighborhoods, marketplaces, or near schools and offices. The company may provide guidance on selecting an appropriate location that aligns with their business strategy.

Step 5: Sign the Franchise Agreement

After selecting the location, the next step is to sign the franchise agreement. This legal contract outlines the terms and conditions, investment details, profit-sharing structure, and operational guidelines. Carefully review the agreement and seek legal advice if necessary before signing.

Step 6: Arrange Investment and Finances

The investment for a Mother Dairy Safal franchise varies depending on the size and location of the outlet. The estimated cost includes:

Franchise fee

Shop setup and interior design

Initial stock purchase

Equipment and storage facilities

Licensing and registration fees

If needed, you can explore financing options such as business loans or government schemes for small businesses.

Step 7: Obtain Necessary Licenses and Permits

To legally operate a Mother Dairy Safal franchise, you must acquire the following licenses:

FSSAI (Food Safety and Standards Authority of India) license

GST registration

Shop and Establishment Act registration

Local municipal approvals

Ensuring all legal formalities are completed will help you avoid operational issues in the future.

Step 8: Set Up the Outlet and Procure Inventory

Once the formalities are completed, set up the outlet as per the brand’s guidelines. The store should have:

Proper refrigeration and storage facilities for perishable goods

A well-organized display of products

Billing and inventory management systems

Branding and promotional materials provided by Mother Dairy

After setting up the store, procure the initial inventory from Mother Dairy’s supply chain.

Step 9: Hire and Train Staff

Hiring trained staff is crucial for smooth operations. Employees should be trained in customer service, inventory management, and hygiene standards. Mother Dairy may provide training sessions to help franchise owners and their staff understand the business processes effectively.

Step 10: Launch the Franchise and Market Your Business

Once everything is in place, launch your Mother Dairy Safal franchise with a grand opening. To attract customers, use marketing strategies such as:

Social media promotions

Local newspaper advertisements

Discount offers and loyalty programs

Word-of-mouth referrals

A strong marketing plan will help you establish a loyal customer base and grow your business.

Conclusion

Starting a Mother Dairy Safal franchise is a promising opportunity for entrepreneurs looking to enter the food and dairy retail sector. By following these step-by-step guidelines, you can successfully set up your franchise and benefit from the brand’s strong reputation.

[galaxyharlot]

Actually, replies didn't have enough space for me to fully unbox this.

so in my business classes I learned a lot about corporate tax structure. You can write off a *lot* of things as tax deductible. It's why they get taxed 60% on their net profit and that's why it used to be 90%. A company makes a lot of money, and they're forgiven for a lot of it. They use that forgiveness to the fullest extent. I won't call it abuse because businesses by design don't have ethics. They're following the rules as written, and that's ok.

what needs to change is the way they're taxed. We need to increase the taxes up to 90% again, and we need to better define what they're allowed to deduct. Right now they can deduct the depreciation on a vehicle, and they're the ones who get to hire who decides that. There isn't a central group making hard enough rules on these kinds of things. We also don't have strong enough rules about what they do with the money they make in the place they make it. That's the problem.

I originally posted the above in the notes. I feel a need to really really expand on that.

If a company is going to make use of a country's resources - its people, its material, its intelligence. It should contribute back to that community. Business is not taught this. I genuinely don't think it can be taught. Men in Black said "People are stupid, the person is smart" and it tends to be agreeable. Companies are stupid profit machines. You can't fault a machine for doing what its built to do.

What you can do is change what it does. Give it new parameters. Give it better guidelines and boundaries. The only way this happens is through legislation. A company can handle 90% taxes on its profit. The people in it still get paid the same, you deduct that from your taxes. The only people who lose out are the people who are supposed to lose out - the shareholders.

Currently, they're protected by the law in a very annoyingly indirect way. They're allowed to sue a CEO for not increasing the value of their stock and providing them dividends. Thats one of the many things that needs to be closed up. A CEO's dedication should be to the employees and customers. An investor shouldn't be investing at the promise of profit. They should be investing out of that same dedication. A company would be able to provide larger tax payments and pay their employees better by doing this.

On top of that, like I said, it needs to be better defined what you can deduct from your taxes. I think deducting depreciation of an asset is reasonable. Thats a business expense that turns into maintenance. I don't think its reasonable that it doesn't have stricter rules on how you evaluate that. Right now you just put aside some percentage of the assets during your tax filings. A government employee should probably be investigating a workfloor every year and determining the devaluation of company assets and writing it off on behalf of the company. This would allow for more taxes to be contributed to the public good - The people that work for these companies.

I'm not very well versed in every trick in the book to avoid paying the honestly incredibly low amount of taxes a company needs to pay. I do know that theres a lot of them. The depreciation was simply just one example. These are the "tax loopholes" politicians talk about and need to close up. Vagueness in the current tax law on top of an incredible relaxed net profit tax that only benefits the shareholders of a company. It needs to be reprioritized so that these public services can be improved.

Corporations are part of society and they should act like it.