#digital and financial literacy

[remittancesday]

Family Remittances Campaign 2020‑2030: Support one billion people to reach their own SDGs.

The International Day of Family Remittances 2024 campaign aims at ensuring support for the observance and dissemination of resulting actions in the framework of the decennial Campaign 2020‑2030: Support one billion people to reach their own SDGs.

[mosaickiwi]

Nails, TV, Moving

Rendacted paints your nails and 'asks' you to move in. 1.3k words, GN reader c:

14 Days With You is an 18+ Yandere Visual Novel. MINORS DNI

~

"Unfortunately for our contestant—" the host’s words get cut off as you press a button on the remote.

"Booooo," you jeered at the TV from your spot on the floor and changed the channel. 

Ren hummed softly at your voice, but didn't look up. Despite the dark bangs that obscure their eyes, you can tell they’re focused. He was happily painting your nails—the same shade of black as his own—at your request. He insisted you sit as close as possible on the blanket he laid down, instead of across the coffee table. He'd only ever painted his own nails after all, so the angle was very important to keep him from messing up. You were certain he just said that because he wanted the closeness.

The screen barely flashes a few frames before you're changing it again. A football game, a cartoon, a drama, and then—you finally stop. There's a couple wandering through a cabin, with a disembodied voice narrating all it had to offer. One of the many house hunting shows that came on every so often.

"Oh, this one's pretty." You put down the remote to watch. The couple head upstairs where the master bedroom is and your excitement quickly dies. "Maybe not. The bathroom is a huge let down."

Ren casts a glance up at the TV as the camera pans over the room once more. He took in the slanted ceiling, with the tub stationed on the lower end, lit up by an angled skylight. He didn't really see whatever problem you had. "What's wrong with it?" he asked.

"The ceiling is already so low. You'd have to fold yourself in half to get in that tub, tall as you are. And you'd probably hit your head every time you got out. We couldn't live there," you grumbled and rested your chin on your free hand, eyes never straying from the screen. "No way I'd put you through that."

You didn't notice how he perked up when your concerns involved him—you even said ‘we.’ A miniscule drop of polish fell on the paper towel under your hand. He wasn't sure if you were being considerate, or if your perfectly normal relationship was at the point of buying a home together. He hoped it was the latter. Either way, including them already planted ideas in their mind. "So then, what's our—your ideal home have?"

"My ideal home…" You’d only really thought about things you didn’t want, thanks to your current apartment. "I can't say I'm very picky. No holes in the walls, enough room to breathe, no rats," you paused for a bit—now they were in a rather awkwardly shaped second bedroom. "When I was little I wanted to live in a bounce house. Or have a freezer dedicated to ice cream."

Ren smiled while he carefully painted the nail of your pinky. "One of those is doable."

"True, but I'd rather not blow up my house every day," you joked and continued pondering. "The location is probably the most important, right?" He silently nodded in agreement as you went on. "Corland Bay's nice and all—having everything so close together makes things easy. Except sometimes I wanna fall asleep without hearing cars pass by or Violet playing games. It's much quieter here. Plus your bed is comfy."

"You're more than welcome to live here, Angel," he innocently offered. “Although maybe you’d enjoy somewhere more secluded.”

“Like just out of town? Not too far from civilization. I'd still wanna be near the beach." You watched the couple fuss about the kitchen in another house before you really processed what he just said. You turned to look at him for the first time since the show caught your interest. "Are you asking me to move in with you?" 

"Oh, is that what it sounded like?" His tone was full of shock, but you could see the way his snake bites pulled up in a faint grin. He examined your nails and lifted your hand once he deemed it finished. "I do have all this space, though. The library’s close by. Beach is a short walk away, too. No neighbors, no noise. I've never had a rat problem. I guess it hits all the marks f’you, doesn’t it, Angel?"

"Ren…" You rolled your eyes at his antics. 

"If you really want to move in that badly, I'm not opposed," he said teasingly. "Other hand."

You didn't respond just yet, merely giving them a playful side eye and placing your hand flat on the table. Gently, you blew air on your wet nails while he went to work. The noise of the TV faded into the background as you thought about his offer.

It was a big step to take. You already spent a fair amount of your time at his place. The ever-dwindling amount of laundry you did at home served as proof. Cohabitating with them wouldn't be much different from now. Ren always gave you space when you asked, even with his clingy personality. He was tidy, quiet, and never made a fuss—the perfect roommate on paper. The real issue was money. A place like this would cost way more than a librarian’s salary could pay.

"As much as I want to, I have to consider rent first," you thought aloud, causing him to stop and look up.

"Angel, you don't need to pay anything." His answer was almost immediate and it surprised you how firm he sounded about it.

You shook your head. "I know I probably can't do half, but I’d like to do my fair share. How much is your rent each month?"

"Well, actually," he stalled and idly rolled the nail brush in his fingers before putting it back in the bottle. The rent was one thing he couldn’t be bothered to keep track of. "...I have no idea?"

"How—what?"

"It's an automatic payment so I never think about it," he admitted, explaining further at your incredulous expression. "I mean I definitely saw it when I found the listing—and when I signed the lease. But I can't remember it off the top of my head."

You had a hard time believing what you were hearing. You knew your own rent by heart—it mocked you every time it took a chunk out of your bank account. A question about how he budgeted weighed in your mind, although the rather calm way Ren spoke clearly answered it: he didn't. It seemed obvious now; he'd been a frivolous spender from the beginning.

The blank look on your face made him a little worried. "Honestly, Angel, it’s not an issue. I’ve been paying it on my own just fine," he insisted. "You don’t have t’worry about any cost if you stay here, I promise.” He’d be happy as a clam to pay triple whatever he already was if it meant you'd move in. Hell, he’d even pay for you to live in one of the empty units next door.

"Fine then," you sighed in defeat, glancing towards the TV screen for a moment. The show was already ending. "If I tried to give you money you'd just find a way to give it back anyways.”

Ren let out a faint breath as if he was holding back laughter, but didn’t disagree. "So, how about it? Gonna move in?” he asked with a sincere smile.

You couldn’t help but smile the same in return. “Yeah, why not? I’d be crazy to say no. I can talk to my landlord and be out in a few weeks, probably.”

His excitement only seemed to grow at your words. He was radiating silent joy, fingers tapping rhythmically on the table as he uncapped the bottle of polish once more. You could almost imagine a tail wagging behind him as he tried to make steady brushstrokes over your nail.

“Are you really that happy?” you laughed and he nodded. “Maybe I should just move in tomorrow.” His hand barely slipped, leaving the tiniest streak of polish on the side of your ring finger.

“Oops,” he muttered.

[kemetic-dreams]

Anti-literacy laws in many slave states before and during the American Civil War affected slaves, freedmen, and in some cases all people of color. Some laws arose from concerns that literate slaves could forge the documents required to escape to a free state. According to William M. Banks, "Many slaves who learned to write did indeed achieve freedom by this method. The wanted posters for runaways often mentioned whether the escapee could write." Anti-literacy laws also arose from fears of slave insurrection, particularly around the time of abolitionist David Walker's 1829 publication of Appeal to the Colored Citizens of the World, which openly advocated rebellion, and Nat Turner's Rebellion of 1831.

The United States is the only country known to have had anti-literacy laws.

Significant anti-African laws include:

1829, Georgia: Prohibited teaching Africans to read, punished by fine and imprisonment

1830, Louisiana, North Carolina: passes law punishing anyone teaching Africans to read with fines, imprisonment or floggings 

1832, Alabama and Virginia: Prohibited Europeans from teaching Africans to read or write, punished by fines and floggings

1833, Georgia: Prohibited Africans from working in reading or writing jobs (via an employment law), and prohibited teaching Africans, punished by fines and whippings (via an anti-literacy law)

1847, Missouri: Prohibited assembling or teaching slaves to read or write

Mississippi state law required a white person to serve up to a year in prison as "penalty for teaching a slave to read."

A 19th-century Virginia law specified: "[E]very assemblage of negroes for the purpose of instruction in reading or writing, or in the night time for any purpose, shall be an unlawful assembly. Any justice may issue his warrant to any office or other person, requiring him to enter any place where such assemblage may be, and seize any negro therein; and he, or any other justice, may order such negro to be punished with stripes."

In North Carolina, African people who disobeyed the law were sentenced to whipping while whites received a fine, jail time, or both.

AME Bishop William Henry Heard remembered from his enslaved childhood in Georgia that any slave caught writing "suffered the penalty of having his forefinger cut from his right hand." Other formerly enslaved people had similar memories of disfigurement and severe punishments for reading and writing.

Arkansas, Kentucky, and Tennessee were the only three slave states that did not enact a legal prohibition on educating slaves.

It is estimated that only 5% to 10% of enslaved African Americans became literate, to some degree, before the American Civil War

[widowsistersandfriends]

Announcement

Hey everyone, I have a special announcement to make! First and foremost I’d like to thank all of you guys for supporting my fics over the last 2.5 years! I really appreciate all of you and it’s been awesome exploring this community. I still hope to write here periodically and I will open requests probably around the time the new Agatha show comes out.

However, I also have a passion for helping other people improve their overall health and wellness! I’ve ventured into being a digital creator on Instagram and I would truly appreciate it if you followed along or even spread the word to friends! Again, I appreciate all of you so much and this community means a lot to me ❤️ I have attached the link below!

https://www.instagram.com/thewealthy.wellness?igsh=NHNxaTB1MXdvamhn&utm_source=qr

[cryolyst]

~

[neturbizenterprises]

Transform Spare Change into Wealth with Acorns!

Discover why having acorns in your pocket can transform your spare change into a powerful investment tool. Meet Acorns, the app that rounds up your purchases—like that $3.50 coffee—to the nearest dollar and invests the extra 50 cents for you. It’s like a smarter piggy bank!

Imagine turning daily habits into a diversified portfolio of ETFs effortlessly. With options for recurring investments and retirement planning through IRAs, Acorns simplifies investing for everyone—from beginners to experts. Don’t let your change sit idle; make it work hard for you! Download Acorns today and start growing your wealth one coffee at a time.

#InvestSmart #AcornsApp

[innova7ions]

Transform Spare Change into Wealth with Acorns!

Discover why having acorns in your pocket can transform your spare change into a powerful investment tool. Meet Acorns, the app that rounds up your purchases—like that $3.50 coffee—to the nearest dollar and invests the extra 50 cents for you. It’s like a smarter piggy bank!

Imagine turning daily habits into a diversified portfolio of ETFs effortlessly. With options for recurring investments and retirement planning through IRAs, Acorns simplifies investing for everyone—from beginners to experts. Don’t let your change sit idle; make it work hard for you! Download Acorns today and start growing your wealth one coffee at a time.

#InvestSmart #AcornsApp

[townpostin]

Karim City College Hosts RBI-Backed Financial Literacy Program

Students gain vital financial knowledge in collaborative event with RBI Ranchi In a joint effort to boost financial awareness, Karim City College and RBI Ranchi organized a comprehensive Financial Literacy Program for students. JAMSHEDPUR – In order to improve the financial literacy of students, the Faculty of Commerce at Karim City College collaborated with RBI Ranchi to implement a Financial…

[amnglobal]

FYI | Don’t miss out on the latest edition of Monumental Mondays! Be sure to preview Volume 1. Issue 117 and stay up to date on the latest news, insights, and trends in your industry. To get your hands on a digital copy, simply scan the QR code provided and start reading today!  

Want to learn more about entrepreneurship, marketing and small business support services? Join our mailing list! Read & discuss the latest business topics - members get access to the weekly Monumental Mondays newsletter & enjoy exclusive new content and invitations to programming.  Scan QR code for more.

VOLUME 1. ISSUE 117 (DOWNLOAD)

WEBSITE

CONTRIBUTOR GUIDELINES

If you aren’t a member yet, what’s stopping you? Find membership info⤵️ https://t.co/ACHJ0QCYvo The @amngforums membership submission form is back online! Make sure to renew your membership for 2024-2025 or become a new member! Subscribers are #FREE to join. Read more.

5 benefits of reading and subscribing to the Monumental Mondays newsletter:

Stay informed: With Monumental Mondays, you’ll get access to the latest news, insights, and trends in your industry, helping you stay ahead of the curve and make informed decisions.

Save time: Instead of scouring the internet for the latest industry updates, Monumental Mondays brings them right to your inbox, saving you time and effort. Learn from experts: The newsletter is written by contributors who have their finger on the pulse of the latest developments, so you can learn from their knowledge, insights and experience.

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Exclusive content: As a member, you’ll get access to exclusive business and marketing content that isn’t available anywhere else, giving you a competitive edge in your industry.

AMNG supports the growth, innovation, and activities of entrepreneurs, startup founders, small business owners, and performance and visual artists by offering guidance, marketing and entrepreneurship techniques, and project support of our partners to help them succeed. Our goal is to help our members by providing management resources and expert industry advice every Monday resulting in a reduction of risks and an avoidance of the pitfalls of making costly business decisions.

[remittancesday]

Digital Remittances Towards Financial Inclusion and cost Reduction.

Over one billion people are directly impacted by remittances annually, either as senders or as recipients. Seventy five per cent of annual remittance flows address the immediate needs of recipients in terms of food security, access to health, education, housing and sanitation. The remaining 25 per cent is either saved, invested, or used to set up businesses, among others.

Linking remittances to financial services and products, matched with adequate and gender-sensitive digital and financial literacy accessible to all, is key to leveraging these flows for sustainable development.

DIGITAL REMITTANCES TOWARDS FINANCIAL INCLUSION AND COST REDUCTION

[beingjellybeans]

What is the Bucket Method in Savings and How Can It Help You Achieve Your Financial Goals?

There is a wide variety of methods or techniques you can use to grow your wealth. It can be as simple as keeping loose change in a piggy bank or as complex as investing in stocks. However, if you’re looking for an efficient way to achieve your financial goals, consider using the bucket method. This approach to saving and managing money involves dividing funds into separate “buckets” based on…

[techminsolutions]

Unleashing Excellence: Hidden Potential Through CSC Olympiad 5.0: An In-Depth Guide

Introduction to CSC Olympiad CSC Academy, an esteemed educational organization, is renowned for its commitment to fostering academic competition and nurturing a competitive spirit among school children. By promoting education, digital literacy, and financial literacy, CSC Academy aims to prepare students for the rigorous demands of today’s highly competitive world. This comprehensive guide delves…

[rsbdigital]

Unlocking Financial Success: A Review of "The Wealth Signal Digital"

Unveiling a Path to Prosperity

I used the following product - "The Wealth Signal Digital " - and found it to be an invaluable resource in navigating the complex world of finance. With its comprehensive insights and practical strategies, this eBook is a beacon of hope for those seeking to achieve financial freedom.

Insightful Guidance

One of the standout features of this eBook is its ability to distill complex financial concepts into easily understandable language. Whether you're a novice investor or a seasoned entrepreneur, the wealth of knowledge contained within these pages will empower you to make informed decisions about your finances.

Practical Strategies for Success

What sets this eBook apart is its emphasis on actionable strategies. Instead of merely presenting theoretical concepts, it provides readers with practical steps they can implement immediately to improve their financial situation. From budgeting techniques to investment strategies, each chapter is filled with valuable advice that can help readers achieve their financial goals.

Empowering Readers

"The Wealth Signal Digital eBook" doesn't just offer advice – it empowers readers to take control of their financial destiny. By providing them with the tools and knowledge they need to succeed, it instills a sense of confidence that is invaluable on the journey to financial independence.

Accessible and User-Friendly

One of the things I appreciated most about this eBook is its accessibility. Whether you prefer to read on your computer, tablet, or smartphone, you can easily access the wealth of information it contains. This makes it convenient for readers to engage with the material whenever and wherever they choose.

A Comprehensive Resource

From budgeting basics to advanced investment strategies, "The Wealth Signal Digital eBook" covers a wide range of topics relevant to anyone looking to build wealth. Whether you're interested in stocks, real estate, or entrepreneurship, you'll find valuable insights that can help you achieve your financial aspirations.

In Conclusion

In conclusion, I highly recommend "The Wealth Signal Digital " to anyone looking to take control of their financial future. With its insightful guidance, practical strategies, and empowering message, it's a must-read for anyone committed to achieving financial success.

To see the Product CLICK HERE

[the-cash-cow]

Driving Financial Evolution: Poonawalla Fincorp's Trailblazing Journey in 2024

Poonawalla Fincorp has emerged as a beacon of consistent growth and market leadership. Under the guidance of Abhay Bhutada, MD, the company has demonstrated remarkable resilience and agility, surpassing market expectations and outperforming rivals. With a strategic emphasis on diverse product offerings, operational efficiency, and digital innovation, Poonawalla Fincorp has established itself in the ever-changing financial landscape. This piece explores various aspects of Poonawalla Fincorp's success story, highlighting its journey towards market dominance and its vision for the future.

Diverse Product Offerings: A Pillar of Success

A fundamental driver behind Poonawalla Fincorp's success is its diverse product portfolio, carefully crafted to address the evolving financial needs of its clientele. Across various loan categories, including pre-owned car loans, loans against property, and business loans, the company has experienced substantial growth, reflecting its ability to identify and capitalize on market opportunities. Particularly noteworthy is the expansion of the pre-owned car loan segment, indicating a growing demand for affordable vehicle financing solutions. Additionally, loans against property, machinery, and medical equipment have emerged as significant growth catalysts, showcasing Poonawalla Fincorp's insightful market understanding and innovative product offerings.

In addition to asset-based financing, Poonawalla Fincorp has broadened its portfolio to encompass personal and business loan segments, offering tailored financial solutions to individuals and enterprises alike. By providing a comprehensive range of financial products, the company has positioned itself as a one-stop destination for diverse borrowing needs, fostering customer loyalty and driving sustainable growth.

Also Read: Sustaining Growth With Abhay Bhutada: Strategies for Maintaining Guidance at 35% to 40% Ahead

Market Leadership and Comparative Analysis: Setting New Standards

In a comparative analysis across NBFCs, Poonawalla Fincorp consistently stands out as a top performer in several product categories. Whether in pre-owned car loans, loans against property, or business loans, the company's superior performance underscores its market leadership and competitive advantage. By delivering innovative products, competitive interest rates, and exceptional customer service, Poonawalla Fincorp has cemented its reputation as a trusted financial partner, earning trust and loyalty from individuals and businesses alike. This sustained excellence reaffirms the company's commitment to exceeding market expectations and establishing new benchmarks for industry excellence.

Operations and Productivity

Central to Poonawalla Fincorp's success is its relentless pursuit of operational efficiency and cost optimization. The company has implemented strategic initiatives to reduce operating expenses year after year, demonstrating its dedication to maximizing resources while minimizing costs. Through branch consolidation and workforce optimization, Poonawalla Fincorp has streamlined its operations, enhancing productivity and scalability without compromising service quality. Embracing digital transformation and adopting a digital-centric approach to business operations, the company has further optimized costs while maximizing reach and operational effectiveness.

Also Read: Poonawalla Fincorp MD Abhay Bhutada Unveils Unique Co-Branded Credit Card

Digital Transformation and Phygital Model

At the heart of Poonawalla Fincorp's success lies its digital-centric approach to business operations. Through a "phygital" model that seamlessly integrates digital and physical channels, the company has revolutionized its business processes, driving efficiency and enhancing customer experiences. By leveraging digital platforms for customer acquisition, underwriting, and collections, Poonawalla Fincorp, with Abhay Bhutada, has streamlined its operations and reduced reliance on traditional, resource-intensive practices. This shift towards digitalization has not only improved operational efficiency but has also positioned the company as a leader in the rapidly evolving fintech landscape.

Looking Ahead

Poonawalla Fincorp remains committed to driving sustainable growth and value creation. With a clear focus on innovation, operational excellence, and customer-centricity, the company is poised to continue its trajectory of outperforming the market. By leveraging its strong fundamentals, strategic capabilities, and digital prowess, Poonawalla Fincorp is well-positioned to navigate the complexities of the financial landscape and emerge as a leader in the NBFC sector. As it continues to innovate and adapt to changing market dynamics, Poonawalla Fincorp stands ready to redefine the future of finance and set new benchmarks for industry excellence.

Also Read: Inside Poonawalla Fincorp's Digital Transformation Journey

Conclusion

Poonawalla Fincorp's success story in 2024 serves as a testament to its unwavering commitment to excellence, innovation, and customer satisfaction. By consistently outperforming the market and exceeding expectations, the company has solidified its position as a trailblazer in the competitive landscape of NBFCs. As it continues to explore new territories and push the boundaries of possibility, Poonawalla Fincorp stands poised to redefine the future of finance and establish new industry benchmarks. With a relentless focus on innovation, operational efficiency, and customer-centricity, Poonawalla Fincorp is well-positioned to lead the charge towards a more innovative, inclusive, and resilient financial ecosystem.

[strategiadvizo]

Transforming Education: Unleash the Potential of Your Students with Strategia Advizo's Vocational Courses

Introduction: In today’s rapidly evolving world, the traditional education system faces the challenge of keeping up with the pace of technological advancements and changing job landscapes. At Strategia Advizo, we believe in empowering the next generation with the skills they need to navigate and succeed in the 21st century. Our suite of vocational courses, designed specifically for CBSE schools…