#especially the bits about the debt and the bank account

[nyancrimew]

i really hate how often i have to post about this, but im horribly in debt and if i don't get out of this soon (ideally within like two months) it's only gonna keep getting way worse. at this point im over 4.6k in the minus cause both paying back debt and keeping up with living expenses and bills at the same time is pretty much impossible on my little income, so i always end up having to spend more in credit card debt again (i have to cover most of the living expenses for a two person household and sometimes help my wife with shopping as well).

i know i already have enough coming in rn (with the talk and other paid work + a bit of my monthly income) to pay off at least 1.6k this month, but absolutely anything i get will help me massively, and especially monthly subscriptions are valuable for budgeting and allowing me to worry less while doing my writing or posting my silly posts and are my only stable form of income.

give with card if possible as it is currently not possible for me to get paypal money into my bank account, but paypal is at least still useful for running expenses, anything helps <3

[seafoamreadings]

week of november 3rd, 2024

these are written predominantly for the *rising* signs but they are also intuitively "channeled" enough that they should work for any dominant energy you have! (try your sun if you don't know rising, or more advanced readers can try moon, anywhere you have a stellium, etc and see what works best for you!)

aries: mars, who rules your sign, moves into fellow fire sign leo this week, and he will stay there until january due to a retrograde. live with a generous and creative heart, but keep in mind all the while the importance of justice, what you are willing to fight for, and what is not at all worth the energy.

taurus: earthy vibes are subsiding and yet still quite strong. there is a lot of change in the air, from planets at critical degrees and from a certain degree of fiery mutability. stereotypically you're not fond of so much change and yet, uranus having been long in your sign, you're learning its deep value. don't forget that value among the chaos.

gemini: you should probably enact the necessary mercury retrograde rules a bit earlier than most other signs. it's not at full speed for some time yet, but the first rumblings of it begin this week and you don't want to be caught too off your guard.

cancerians: with mars heading out of your sign you may be feeling more peaceful, or at least be seeking more peace. it is definitely wise to make peace in, and with, the body and appearance and anything else you can. meanwhile financial issues take center stage, if you have them, so paying down credit cards or similar activities may be a battleground for the next several months.

leo: naturally the ingress of warrior mars into your sign is the highlight of the week. he makes a warrior out of you, too. but you get to choose what kind - are you bloodthirsty, or a force of justice, or a defender of the oppressed?

virgo: although it's a predominantly calm week for virgoans, there is about to be a lot of work done in your subconscious, ready or not - so ideally, be prepared for that and help bring it to a conscious surface. meanwhile the more mercurial among you are already feeling the first tremors of mercury's upcoming retrograde.

libra: a little bit of gentle nodal activity this week points to some of what is to come when mercury goes retrograde in a few weeks. take notes of whatever omens you get and bear in mind omens are sometimes not immediately recognizable. but they are there!

scorpio: once mars is in leo (soon!) and before it goes retrograde in about a month is a choice window of time if you wish to make any changes to your career or public image. even if you don't have anything specific in mind, maybe change up your resume, or just do something to make your ancestors proud.

sagittarius: while it isn't necessarily the best time to travel far, due to an upcoming mercury retrograde whose shadow period begins this week, in your sign, it is nevertheless a great time for study and expanding your intellectual horizons. and that might include *planning* a trip, or following through on one that has already been planned for some time. mars in leo gives these types of plans and endeavors a boost.

capricorn: if you have debts to pay back (or, honestly, to collect on) once mars is into leo/your 8th house is a good time to take care of this type of business. it can be a good time for combining shared resources, too, eg a joint bank account with a partner or moving in together, but be cautious as in a month or so mars will be taking a retrograde and you may have some regrets about these types of decisions.

aquarius: relationships, especially the partnered-up, committed kind, get energized with mars in leo. a retrograde is coming up for mars, but until then, anything that needs some action is highlighted. once you see what needs doing, get to it!

pisces: venus begins to square your ruling planet, in your sign, just as the moon moves into your sign for a couple of days as well, toward the end of the week. with mars also leaving fellow water sign cancer, this can be a time of some emotional disturbances. don't get too attached to these disturbances; they are very temporary.

watch the transit posts in real time to have the best guide through your week. want a little more? have a look at my patreon or ko-fi.

check out my etsy for a private reading or dm me to set up a reading through venmo, cashapp, or paypal.

[theology101]

BG3 Companions Ranked

This post is for Haley Whipjack on youtube and tiktok and her only so everyone else can leave. But they have three fun videos where she ranks the companions by increasingly silly Metrics. I propose the following

Most likely to turn a non contact sport a contact sport

Minthara. She will elbow, knee, anything to get an advantage and win. There are NO lines that she won’t cross

Astarion. He also has no moral limits but the amount of effort that he puts in heavily depends on his mood. Some days he’s throwing hands, most the time he’s barely paying attention

Karlach. There is no malice in her brain, at all, but she gets really excited when she plays the game and sometimes accidents happen, and by sometimes i mean a lot

Minsc. The same as karlach, but he’s a bit lower cause boo will try to reign him in a bit

Lae’zel. This is actually a flawed premise for lae’zel as she only enjoys contact sports - but if she’s playing an actual game of basketball with rules and stuff, she’ll obey them. If it’s her and karlach playing in the local park, they’re both throwing hands while playing basketball

Shadowheart. She doesnt do it the whole game, but whenever she thinks she can get away with it, she’ll do it. She has moral compunctions about it and feels bad later but in the moment she’s like “oh this is so smart”

Halsin. The caveat is that it’s never violent or painful, because he plays with a lot of children. He, thaniel and oliver play with him in bear form so he just like, knocks them over a little, puts his paw on them, etc

Gale. He wouldn’t, because he doesnt like the concept of cheating like that… but if he was losing? If he started getting really pissy about it? He’s making that sport contact

Jaheira. She just wouldnt do it, but also probably isnt even playing the sport or bothering to pay attention

Wyll. He would NEVER! I don’t need to say much more

Most likely to owe money to someone:

Minthara. She’s committing fraud and tax evasion to fund her various schemes, but it’s all underhanded and subversive that’s it just an open secret. She has BILLIONS in some bank accounts in Thay and no one is ever touching it

Gale. He has so, so, so much student loan debt. Even more from his phase when he was an addict. He can hear the whispers of the private sector but he’s still try to stay pure in accademia

Astarion. He committed Check Fraud. And owes Cazador a lot in back pay for his ‘rent’ and ‘food,’ but if you kill the old bastard Astarion get the estate so its all fine

Karlach. Straight up buys things without knowing how much money she has because she want the thing - but only for like, impulse purchases, and that kinda spontaneity has put her in debt. Plus she has a BUNCH of subscriptions she forgot to quit out

Halsin. He straight up does not know that, but he had an overdue ticket that he owed but he doesnt have a mailing address so no one can tell him

Minsc. Honestly? He doesn’t handle money. If he did, he’d hand it to Boo. If he can’t do that, he will lose it and get in trouble. Jaheria does it

Shadowheart. Not likely to have much debt, pretty sensible, but might get like, a ticket a lot. Red lights have little interest for her

Jaheria. So she has debt, and probably will for a while, but she’s also had it for a while and none of it is especially crushing. She paid off her house decades ago, so most of her money is spent on her children. Now especially that they’re young adults she has more debt on top of living costs - and Minsc too

Wyll. He’s good. He came from money and he gets it. He had a wild amount of debt from Mizaora but by the end of the game he’s good. He’s good

Lae’zel. That’s breaking a rule (because if people are mad its your fault), and Lae’zel would NEVER do that. Plus her life style is INCREDIBLY spartan. m

Most likely to have pets (and what kind):

Halsin. He doesn’t call them pets, but that’s really what the ones in the emerald grove are. For all intents and purposes, they’re domesticated - he just talks to them so he doesnt call them pets

Minsc. He has a hampster in game

Gale, he has a cat (if you origin play as him, otherwise she’s off screen :/ )

Shadowheart. In the farm ending? In her idyllic country side life? She has pet after god damn pet. She loves them all, she has Scratch, a Barn Cat, a House Cat (who doesnt like to go outside), Sheep, Chickens, Cows, you name it? She’s got it

Minthara canonically has a history of pets - we know of mimics, displacer beasts, and giant spiders. She has pets, but they’re VIOLENT things and she does feed them people

Lae’zel. If you count a dragon as a pet, but that feels demeaning. Otherwise (besides being Shadowheart’s wife) and an otherwise practical animal, she’s alright.

Astarion. He likes pets and would love to live in the house with one… he just doesnt want to be its primary care giver. Nothing on animals, he just wont put in the effort. He’s above Wyll because i think he would get incredibly and unhealthily attached to whatever animal he ends up with.

Wyll. He might get a dog, probably not if he’s in hell. It’s something he’s thought about in his head for his possible future but nothing concrete. If he did, he’d take really good care of it, but he wouldnt go out of his way to get one

Karlach. She wants a pet, sooo badly, but can’t have one. Well, maybe she can get a Hellhound or something, but she’s going to be in combat scenario 24/7 so thats… probably temporary

Jaheira. She has enough going on in her life to deal with having a pet. She might coexist in a space with an animal, but she did not want it and is taking 0 steps in that things development or care. She’s busy

Who graduated College and for what major:

Gale. Multiple PhDs at a VERY young age, im thinking like, chemistry and physics? Then he doubled down on some more

Astarion. He’s a lawyer, so he went through college and then law school, as well as passing the bar. Probably has an expired license though and will not be updating it before trying to practice law. His major was pre-law, cause he knew what he wanted as his job but didnt know what he was passionate it

Minthara. She had a VERY good private tutor growing up for multiple subjects, went to a very prestigious university that her uncle was a member of the faculty, buildings named after her family, the whole nine yards. She stopped formal education after her four years but has taken up a number of other subjects to study. PoliSci or Psychology major

Lae’zel. She went to the Military Academy for the Gith, graduated like two months ago and then gets tadpoled. Definitely an anatomy major to know the most fragile parts of the body

Jaheira. She grew up in a comune of hippies and was home schooled by them, but since becoming more active, she’s taken a few courses at the community college to get a civics degree.

Shadowheart. She went to catholic school her entire life, was going to go to a catholic college, but then she changed her hair and moved to the west coast. Since then she’s just been hanging out as a bisexual

Wyll. You’d think he’s be higher, but he became a monster hunter at 17, so he didnt even finish High School, then he either lands a cushy government job and will be too busy, or a monster hunter still and also too busy

Karlach. Dropped out of high school and joined up with Gortash at 16

Minsc. Has never attended a school, he’s just fine. He doesnt know how the world works and frankly? He’s not interested. The least information curious man on the planet

Halsin. He is confused by the concept. You know the type of environment Jaheira grew up in? That. It’s him. He creates that mind of environment for children.

[swampthingking]

I saw your post about jeremy paying off jeans debt to moriyamas and im screaming

OBVIOUSLY jean would not want that because he feels like hes just being bought by another person (but a more healed jean might not. Depends on when it happens tbh)

And omfg,,,, yeah jeremy is probably very rich since he has a butler and a personel chef (which I find are VERY expensive in america for some reason. Especially such good ones) his family even has connections to congressmen. So to think he could probably pay off the mafia is a bit exaggerated, and it would take millions (jeremys entire bank account probably)

And its so,,,,, UGH can you Imagine how it would go. Neil would probably have to be present to help handle it (neil is officially jeans agent to handle mafia business imo)

Amd jeremy being free would also cause and existential crisis. What was jean going to do with his life was jean now jeremys puppet would jeremy still be nice to him now that he has control over jean what does he want to do now.

It also raises the question of what jean would think of exy now that he isnt obligated to play it.

(Sorry this is a lot lol)

this became so much longer than i anticipated BUT

do not apologize I LOVE THIS

ok so. jean would definitely not want jeremy to buy his freedom.

because…what is ‘freedom.’

i think the jean now, that we’ve met after tsc1, would be fucking pissed if jeremy bought his freedom. i think he would not feel…safe? around jeremy? because— now that he owns me, he can do anything he wants to me. i think that it would put such a rift in the precarious trust they’ve built. even at the end of tsc, jean tells jeremy “i trust you” and immediately thinks i have no choice but to. and then is like wweeeeelllll that doesn’t exactly feel true though. so i think jeremy doing that would be like a ‘what the fuck, was not expecting that’ moment.

but jeremy. jeremy. we have seen that if he has the means to do something, he will do it. let me push away my familial issues and answer lucas’s call. do you feel safe with your brother? he would have picked lucas up. he would have found somewhere else for lucas to stay. i will focus on others’ problems so i do not have to face my own. i will be your partner. i will buy two twin beds and move into your room.

so, sorry, to backtrack: i think jean will eventually tell jeremy the full truth. i think jean won’t be able to stop himself, same with his other confessions—i didn’t ask. they didn’t know. jeremy asks the right questions with so much care that jean’s mouth starts moving before he thinks through what he’s supposed to say. jean subconsciously feeling safe enough to speak freely around jeremy, cat, and laila is a WHOLE other thing but i digress

and jeremy will go into “fix-it” mode. will call kevin with the idea. and kevin will be like “do not fucking do that” and i think neil will somehow get involved (especially if jeremy went through with it anyway. neil will go just to make sure jeremy does not, y’know, get fucking killed. also? how do you contact the mafia?). jean will also tell jeremy “do not fucking do that.” 1, because. this is the. this is the fucking mafia. they could absolutely kill you. they could say, “aaaah. yeah, you can buy jean’s freedom, but [insert damning terms that indebt you to us.]” and you can’t just…deny the mafia. it’s a suicide mission. and 2 because…jean doesn’t think he deserves it. he’ll think he’s not worthy of it. i don’t think he would be able to fathom the word ‘freedom.’ i think he would think of it, exactly like you said, as being bought. passed from one owner to the other.

and, if jeremy did it, he would reassure him. would be like “no you can make your own decisions. you can do what you want. you can change your major. you can play exy for fun or go pro by choice.”

and jean, i think, would just crumble. he obviously doesn’t like being owned (who does) but that’s all he’s had for 5 years. that’s all he has survived by. i am jean moreau. i belong to the moriyamas. imagine the mantra that has kept him alive for 5 years just…not being true anymore. he would be going from who am i without the ravens? to who am i without the moriyamas? like you said, what a fucking existential crisis.

i genuinely think it would fuck up their dynamic. i think jean would feel like he owes jeremy something. and jeremy would tell him he doesn’t. but i don’t think jeremy would quite…trust jean in a romantic sense. like, is he just initiating [romantic or sexual act] because he thinks he owes it to me? or even as a friendship, honestly. is he just agreeing to [friend activity] because he thinks he has no choice but to listen to me?

so jean wouldn’t be able to trust jeremy because he would feel owned, and that’s trauma baby. and jeremy wouldn’t be able to trust jean because he would feel like jean is, well, trauma responding. fawn, freeze. agree, acquiesce, repent.

so yeah it is grounds for LOTS of angst and … i’m having many thoughts.

maybe these thoughts would change after tsc2 comes out, but either way, i definitely do not see jean being particularly grateful or thankful. i see it as jean being like “you are a fucking idiot” and “why would you do that to yourself” and “why would you do that for me”

oh hey and imagine if they have the “what were you thinking, why would you do that” conversation and a love confession happens. and jeremy is like “bc i fucking??? love you??? [or something]” and like??? it would be so conflicting for them BOTH because jean [in the case that he does love jeremy back]: do i say i love you back. do i push him away for his own safety. but i don’t want to be ungrateful (and get punished), and jeremy: oh god. he’s going to think he needs to say it back. how will i know how he actually feels.

and i almost forgot about the money part of it ok—

yeah so i think the only way ichiru would accept jeremy’s deal was if they calculated how much a pro exy player’s salary and multiplied it by… let’s say a 10 year career? that would put jean at roughly 30ish when he retires? i think they would be like “ok, pay us for what we would have gotten for jean’s career.” (if they even entertained the thought).

dude i cannot even conceptualize how much money that would be. millions upon millions. and i guess jeremy could pay them in increments? but? idk. i did the math for like if jean made a million a year but my fucking brain. hurts. so i can’t get into that

but YEAH!!!

oh the angst. especially if jean said “there is no fucking way in hell you are doing that” and jeremy said “okay i won’t” and did it anyways …..

there’s also the thought that jeremy just…didn’t tell jean he had bought his freedom. if he just let jean live thinking he was cut loose. but then. the guilt jeremy would feel, keeping that information from him. jean has never been able to make his own decisions, and here he is, building a life for himself and not even knowing the real reason why he’s able to do so.

would they just be able to talk and move past it and rebuild that trust? would this be like some kind of fuckin shakespearean tragedy???

in this hc i just have to believe that they work past it and communicate because. holy shit this is messy

[quendiviner]

Hiiiiii I have a question about long haired Toby!!! What are the differences (in as much or as little detail as you'd like) between Baltimore Toby and Miami Toby 🤔

JEJFBFBJFJF THANK YOU SM

tw: this has mentions of overworking, mental health problems, unhealthy habits and substance use 🤧

Baltimore Toby is back when it was working on the first project/getting its phd (Baltimore bc I think the university the program belonged to was Johns Hopkins or something. haha. obviously we're talking about 2260's here though.) meanwhile Miami Toby is when Aleena & co. asked him to join the skincare start up as a co founder and head of comms.

Side tracking/additional info that's not so important: Okay so funniest thing is that i was like. basically thinking at first that hey i'm sure toby had lots of free time during the project as well. Then I saw a post abt my uni being on top 100's again in Shanghai ranking and went "hm what r the top universities" which then led me to google tuition fees in different places. I went to see john hopkins tuitions and kind of went 👁️👁️ when I saw that students would basically spend around 100k$ a year during phd (indirect fees included) so i was like. hm!

ANYWAY! While I did mention that in Cynosure worldbuilding most universities are free and all, there are still some private ones some parents like to send their children to and with which some corporations like to do collabs). Now, while Tobias did in fact probably get some scholarships and Mackie was like "oh if you keep working for us we'll pay all of ur uni debt" and Toby, 17 years old, naive and just wanting to show what it can do to help people, went "oh ofc that sounds great!". poor guy.

While he did think he would stay there after the project too, Toby's also "a bit" anxious and like, finds it hard to trust promises like that, so it goes on and does extra work like ta:ing and volunteering and all stuff like that. Which led it to basically have no free time at all hahaha. :/. It did attend a book club and get a game console to play its favorite video games at home but like, that's kinda it. It also liked to do work at home btw. Jack would literally come by sometimes and its just sitting looking through some data or something. lmao.

This also led to the fact that Toby basically had no other human contacts except for, well, it's coworkers, some people from university, the book club and Jack (who is also in the coworker section).

ANYWAY! After it left the project it was basically like, "hm what do i do now," especially after looking at its bank accounts and seeing a debt that would be like, almost one million dollars in our modern currency (bc he also hasn't paid for his bachelor's in MIT either. his mom sent him there. he didn't want to go there). Plus he's "just a bit burnt out" (Toby's words) and, well, trying to ignore all its thoughts and feelings re: Jack.

Week later after leaving Mackie Tobias opens its email and sees Aleena's message asking it to call her or meet up with her. So he goes there and she's like "hey so remember our project at that one cosmetics chemistry course? we were thinking abt turning it into a start up and i was wondering if you'd like to join," to which Toby's all like "uh. yeah. sure." not like it has anything else going on. Aleena makes it the head of communications bc Tobias loves public speaking, presentations and stuff like that. And so he moves to Miami.

NOW, despite having a title like that, it's surprisingly easy and has very little work tasks especially since it has a comms team. Toby has no idea what to do with all that free time. It's the first time in its life when it has so much free time (not counting age 1-5).

So it asks Aleena what she tends to do during her free time bc it kinda finds it hard and she's like "well i go to clubs sometimes. and meet with people. and do some other stuff hmm..." and toby, in its brain, basically went "oh so i gotta go to a club."

Well. He did. Many times. Maybe like five times a week or something. It doesn't drink alcohol but picked up some Other Substances to use and, well, basically got a bit too much into things like one night stands or quickies bc 1) its people pleaser brain somehow thought that would be fun and 2) it needed someone to care about it at least in some way and 3) it helped to not think about Jack. Then Frank also showed up so... 😬.

THAT SAID it's not that he only spent time there, Toby also liked to going to museums and got into playing basketball with Aleena. AAAAND it also started spending lots of time at home doing stuff. Or staring at the wall while being bored.

SO UM. How do I conclude this. Both were very bad to its mental health in different ways and the biggest difference is that Baltimore Toby had no free time and Miami Toby had too much. Another difference is that Baltimore Toby tended to limit its substance use to stimulants only, Miami Toby tended to, well, it was high almost all the time. :/

After it got done with everything it basically sold all of its shares for super cheap, which was enough to pay off most of its debt and have some savings, and then it just Left (tm) and went to start things over. Good for it.

[mental-health-advice]

hello,

recently I've been scammed by a fake company for contract employment. it was very very efficient and all their IP addresses were fine until the very last email (it was blacklisted) and my bank called me and informed me of a fraudulent check. this has been getting to me for a lot of reasons such as feeling stupid enough to fall for it, feeling hopeless about being able to get a job (it's been over a year I've been trying but no one hires me)...

but it's getting to me mostly because I'm UNGODLY paranoid about it. I shouldn't be paranoid at all about it, but I've absolutely terrified that they're going to come to my house because my address was said. I blocked all parties involved, reported for phishing, and deleted the entire email accounts associated (even one that wasn't but I felt I needed to play it extra safe). I changed my number, updated all accounts/switched their associated emails/changed passwords/deleted when none of those worked.

I just can't help but feel paranoid that they're still following me or are going to use my information I provided for worse things. my boyfriend said that I did everything I needed to, that these people don't have the resources or energy to try and come for me when they likely scammed more people out of the 45 people who applied for the position as well. I've had my entire social security stolen when I was very young and I didn't freak out as much as this. since I've been unemployed for over a year it's not like these people could steal anything from me other than thousands in student and medical debt.

I just feel insanely stupid for being played like this and I just feel so much dread about it following me. am I right to? or is my boyfriend right? did I really do everything I was supposed to? how do I feel better about this? sorry to bother you about this...

Hey there,

Being scammed by different people/ organisations is so easy now days and especially when they make themselves look so professional as well! I was recently sent a handful of emails from paypal letting me know that I had limits on my paypal account unless I filled out forms including giving out personal information. It sounded legit to me by the look of the email and the email address that it was sent from, but it wasn’t until I reached out to paypal personally myself that I was told it was a scam, despite everything looking really professional and normal! So, I guess what I am trying to say is that it’s unfortunately so easy to be scammed now, and yes it does make you paranoid but there is also so many other things to focus on in your daily life and just knowing that you have done all the right things after finding out you were scammed, will hopefully put you a bit more at ease. Despite your boyfriend being right in saying all he did say to you though in regards to the scammers not having the energy or resources to take things further, it’s understandable that it’s still worrying you. But again, when you find your mind wandering to what happened, try to refocus your thoughts on something more positive and/ or what is actively going on in your day/s.

In regards to not being able to find a job, please try to be kind to yourself and don’t take it personally. It may be just people just aren’t hiring at the moment. I am not sure what kind of occupations you may be interested in, but is there any chance you could go back into study to further your skills which will then hopefully double your chances in then securing a job? Just something to think about!

I really hope that this has helped a bit and please do let us know if we can help to support you in any other way!

I’m thinking of you and hope that you are going OK!

Take care,

Lauren

[lisakapoorblogs]

Why ICICI Prudential’s Debt Funds Stand Out: A Detailed Review

Debt funds are unique in the world of financial investments, especially for those seeking stability and predictable returns. With its impressive debt funds, the ICICI Prudential Mutual Fund stands out among the many options. The fund house's prudent investment strategies and consistent performance have garnered attention. A closer look at these funds shows why conservative investors prefer them to preserve capital and earn a steady income.

When exploring the best debt funds on the market, ICICI Prudential’s offerings frequently top the list. What sets these funds apart is their rigorous approach to credit analysis and the strategic diversification of their portfolio across various debt instruments. Such meticulous asset allocation ensures that these funds not only manage risks effectively but also capitalize on different interest rate movements, thereby optimizing returns for investors.

ICICI Prudential’s debt funds are designed to cater to a broad spectrum of investment horizons and risk appetites, ranging from short-duration funds to dynamic bond funds. This versatility ensures that there is a fund to match the needs of every investor. For instance, their short-duration funds aim to provide liquidity and safety, making them suitable for investors with a conservative risk profile or those seeking an alternative to keeping money in a bank savings account. On the other hand, their long-duration funds are geared towards investors who are willing to take on a bit more risk for higher returns, provided they are comfortable with the accompanying interest rate sensitivity.

The performance of ICICI Prudential’s debt funds is backed by a team of experienced fund managers who have a deep understanding of the debt markets. Their expertise allows them to navigate through economic cycles with precision, leveraging interest rate fluctuations to the advantage of the investors. This proactive management style is crucial in maintaining fund stability and achieving optimal yields over time.

Furthermore, ICICI Prudential is known for its strong risk management framework, which is critical in the management of debt funds. The fund house employs a comprehensive set of risk assessment protocols that scrutinize the creditworthiness of the instruments they invest in, ensuring high standards of security and liquidity. This focus on high-quality assets has paid off, particularly in turbulent market conditions where the lesser-quality portfolios have suffered.

Transparency and investor education are other pillars that strengthen the appeal of ICICI Prudential’s debt funds. The fund house is proactive in communicating with its investors about the fund's performances, underlying assets, and the strategies in place. This transparency builds trust and helps investors make informed decisions aligned with their financial goals.

ICICI Prudential’s debt funds stand out in the crowded debt fund market due to their robust performance, comprehensive risk management, and strategic fund management. They offer a range of options that cater to varying investor needs, making them a compelling choice for those looking to invest in debt mutual funds. As always, investors should consult with financial advisors to ensure that the chosen fund aligns with their investment objectives and risk tolerance.

[thesparks]

I'm having a major minor breakdown currently and trying very hard to stop it from becoming a total shit show of a meltdown.

Just me ranting below the break.

My car is actively dying and I do not have the mental wherewithal to deal with this right now. I don't have the money, the time, the fucking brain power, to handle this. Every time I catch up in life something has to find a way to throw me down again.

I just finally got to the point of not having to watch every single cent in my bank account to make sure ends meet and I can afford meals and rent. I finally opened a savings account again for the first time in over five years, and was able to put a couple hundred dollars in it. Yeah I still have thousands in debt, but I finally felt able to put something away while trying to pay everything down. And I just know this is going to wipe me out. Especially if I have to end up getting another car. Not to mention the extra debt that'll put me in, since even used cars are more expensive than my current car was new.

If it were feasible to ride the bus to my work I would. But that'd turn my already long commute into over two hours each way. No one at my job works my schedule or even lives close enough to me to realistically give me a ride. Uber, Lyft, etc are prohibitively expensive.

I feel like I'm going to throw up. I'm already stressed about trying to figure out whether or not I'm moving in July. Because my lovely landlord makes us decide SIX MONTHS in advance, which makes it oh so easy (not) to try to line up another place, I'll tell you that right now. Especially since any places I've seen so far are out of my budget or even worse shit holes than where I'm at now.

Not to even talk about the stress of trying to figure out whatever the fuck is going on with my heart that might be trying to kill me. That's totally not scaring the shit out of me every day.

Can I please just have a break. Just one break from things falling apart, long enough for me to truly get my shit together and maybe, possibly, enjoy my life a little bit again..

[seafoamreadings]

week of december 10th, 2023

these are written predominantly for the *rising* signs but they are also intuitively "channeled" enough that they should work for any dominant energy you have! (try your sun if you don't know rising, or more advanced readers can try moon, anywhere you have a stellium, etc and see what works best for you!)

aries: you're in for a week that's a bit chaotic, but mostly in a good way. i've often said that although aries is represented by a ram it's got more of a baby goat energy, which definitely involves a lot of chaos. it's you, so go forth and thrive in it!

taurus: this is a great time for philosophical pursuits. the big key will be remaining receptive. if you're not open to receiving new knowledge, you'll doom yourself to remain in ignorance, which is not auspicious these days. so whatever piques your intellectual interest, approach it with an open beginner's mind.

gemini: upheaval in your closest relationships is on the menu this week, especially ones in which you share resources, split rent, or get tax benefits. upheaval isn't always bad but it isn't always fun either.

cancerians: the new moon in sagittarius is a good time to set intentions around health and wellness, routines and rituals, and your daily life and work. so if you're the type who sets new year's resolutions, consider doing that a smidge early and starting at least to plan it out with this moon! plus a mercury retrograde beginning this week affects your committed partnerships for the next month or so.

leo: sagittarian activity all week including a new moon zests up your fun and romantic life. be creative and glamorous. meanwhile mercury retrograde can throw your routines for a loop, so try to be flexible about such things.

virgo: this is a great week for you to make changes around your home, welcome a new roommate or pet, decorate, etc. meanwhile for you, this IS the type of mercury retrograde that 'brings exes back,' so be prepared for that. you ARE allowed to talk to them but make sure that's something you actually would WANT before the 'opportunity' arises... or slaps you in the face, as the case may be. plan before acting! stick to your boundaries!

libra: while many don't think of librans as particularly intellectual beings, you know otherwise and it shows during a week like this one. you consume information voraciously and store it away for critical analysis and beneficial applications at a later time. a mild chaos in the home may occur but fortunately, you know just how to handle it and prevent a crisis.

scorpio: money goals are blessed from this new moon. but you will need to consciously avoid debt, forgive others what they might owe you, and strive for financial independence. meanwhile communication errors are likely in writing, so double check texts and emails before sending. maybe triple check them. maybe don't send them at all if possible. avoid signing contracts if you can.

sagittarius: new moons in your sign are glow up vibes, but also come with some shaking up in your relationships with others. try to let that be novelty rather than disagreements. your mercury retrograde warning this time around is to watch your money, be prepared to call your bank to resolve errors, and maybe wait until february or so for major purchases or serious accounting that isn't strictly necessary.

capricorn: although you can get through and over anything, it's not always fun to have to. but this is not an easy week for capricorns, as a mercury retrograde occurs in your sign immediately after a 12th house new moon. set spiritual intentions from the beginning of the week, knuckle down and strive onward but don't expect perfection or swiftness. be proud of yourself just for carrying on!

aquarius: this week's new moon and broader sagittarian vibes are great for your social life and any networking you need or want to do. you're friendly and people want to be around you! at the same time, though, mercury retrograde in your 12th house can tend to at least partially cancel out this vibe, making things seem a bit gloomy, maybe fixating you on surmounting an obstacle of some kind.

pisces: old friends, new friends, fictional friends, friends you only know from the dream realm all have the potential to resurface or disappear under this week's influences. you transcend time of course, so this need not be a huge worry for you, although small comings and goings can be emotional in the moment. feel it and let it pass through you, then continue. be on the lookout for helpful people who don't seem real. they may not be, but the help they provide is.

[illumtori]

How to Make a Budget Work for Irregular Income

Navigating the world of personal finance is not always straightforward, especially when your income is unpredictable. If you are in the realm of freelance work, part of the gig economy, or in a role that is commission-based, you know what we are talking about. The unpredictability might seem challenging, but with the right approach, you can still establish a budget that works for you.

The Nature of Irregular Income

Irregular income is when the income generated is not the same each month or does not come in set intervals. For example:

Freelancers & Contractors: Your income varies depending on the number and types of projects you have. Some months work can be packed, while other months are sparse.

Gig Economy Workers: If you are driving for a ride-sharing app, renting out a room, or doing task-based jobs, your earnings change based on demand and how much you work.

Commission-Based Roles: Your pay is linked directly to sales or deals you close. Some periods can be incredibly lucrative, while others might be slow.

Seasonal Jobs: Working in roles that are dependent on seasons, like a summer lifeguard or a winter holiday store helper, means income comes in during specific times of the year.

If any of these sound like your current job situation, you are at the right place. The key is not to be overwhelmed but to understand and adapt.

The Pitfalls of Not Budgeting for Irregular Income

When your income is unpredictable, it is easy to fall into some common traps. One frequent misstep is feeling flush during a good month, and spending a bit more freely. It Feels great when you see a hefty sum in your bank account. But without forward planning, this can lead to issues when leaner months roll around.

Another common error is not setting aside savings during prosperous months. Think of this as a buffer for when your income is not as high. Without this cushion, you might find yourself scraping by or, even worse, accumulating unnecessary debt.

These pitfalls can lead to financial stress. Money worries can affect mental health, relationships, and quality of life. By recognizing these challenges before they happen, you are already a step ahead in avoiding them.

Set the Foundation: Know Your Baseline Expenses

One of the keys to managing an irregular income is understanding your core expenses. What are the essentials you must cover every month?

Essential Bills: These might include utilities, loan payments, insurance, etc.

Food: Groceries, dining out (occasionally), and your daily caffeine fix if that is part of your daily routine.

Housing: This could be your rent or mortgage payment and is likely one of your biggest monthly expenses.

Transportation: Gas, public transportation fees, or maintenance if you own a vehicle.

Once you have a scope of your baseline expenses, it becomes easier to plan. When you know what you absolutely must spend each month, you can gauge how much to set aside during good months.

Periodically review these expenses and ensure they reflect your financial reality. Consider if you can find cheaper alternatives. Are there subscriptions you no longer use? Trimming these can free up some extra funds and offer a little more breathing room.

Irregular Income Budgeting Strategies

Save During Boom Times

When your bank account is looking particularly healthy, it might be tempting to treat yourself, which is okay to do so occasionally. But it is vital during these prosperous times to prioritize saving. Why? Because the more you save during high-income periods, the better you will be able to handle low-income ones.

A practical approach is the percentage-based saving strategy. Instead of aiming to save a fixed amount, determine a percentage of your income you are comfortable saving each month. This means in prosperous months, you are saving more, and in lean months, you are still saving, but the amount is adjusted based on your income.

Allocate for Lean Months

It is essential to define what a "lean month" looks like for you. Is it when your earnings drop below a certain threshold? Or perhaps when they do not cover your baseline expenses? Once you have got that figured out, you can better prepare for them.

The key during lean times is to spend smartly. Dip into the funds you saved during boom times, but be mindful. Prioritize necessities and minimize non-essential spending. Having a clear idea of your baseline expenses (as discussed earlier) will be crucial here.

The Role of Emergency Funds

While savings act as a buffer for leaner months, an emergency fund serves a different purpose: unforeseen emergencies. This could be a sudden medical bill, urgent car repairs, or other unexpected expenses.

The idea behind this fund is not to touch it unless absolutely necessary. A good rule of thumb is to aim for three to six months' worth of your baseline expenses. It might sound daunting, but even starting small and building it up gradually can make a significant difference in financial security.

Embracing Flexibility in Spending

Handling irregular income means embracing flexibility. When you have a good month, it is okay to occasionally treat yourself. Just ensure you are spending responsibly. Maybe opt for that dinner out, but resist upgrading your entire tech suite. It is all about balance. Be mindful and keep an eye out for signs of overspending, like consistently dipping into savings for non-essentials. Your budget is not set in stone and is a guide that you can change based on your circumstances.

Additional Tips for Managing Irregular Income

Seasonal Budget Adjustments: If you know certain times of the year bring in more income (e.g., a photographer might be busier during wedding season), adjust your budget accordingly.

Diversifying Income Streams: Consider seeking consistent side gigs or diversifying your skills to tap into different income sources. This not only provides a safety net but can also introduce you to new opportunities.

Regular Financial Health Check-ins: Set aside time, maybe once a month, to review your finances. This helps you stay informed, make necessary adjustments, and celebrate small victories along the way.

Conclusion

Budgeting with an irregular income presents its unique challenges. With a tailored approach, you can navigate the uncertainties. Remember, proactive planning and regular adjustments are your best friends. Embrace the journey, stay informed, and adapt your strategies and financial confidence is within your reach.

Follow our Instagram account for your daily dose of fun and inspiration!

Looking for a productivity tool that can help you achieve goals, set budget, and be more productive? Come learn about Illumtori!

[ohmytamara]

Since the beginning of our relation she was probing me, or rather, my financial status. There was this ambiguity. Promise of safe haven in strong but gentle grip of Mistress, and then expectation to check what's the highest possible loan I qualify for. Her very vocal contempt of professional dominants, who straightforward said they're in it for money, and then how clearly what she called lifestyle, was indeed her job. Her terrible contempt of her past submissives. See where it's going?

Within first month of our living together, I was treated by both her and Master as a partner - one with lower status but still a partner. They both were eager to share their ambitious plans with me. Master kept a perfect profile of professional businessman, though I could not see him do any business apart from making long calls on the balcony every other evening. His great plan of becoming rich seemed to involve selling bunch of acquired personal data - which should have raised some red flags for me - and he was very unhappy about not being able to trade them before GDPR laws were enforced in EU. He kept looking for way around, which I think moved his efforts to some strange bedfellows in eastern parts of Slovakia. We would move to that country later, but so far all the preparations were done online.

Clearly they needed some money though. Them both talked about pleasant life ahead of us. Master as our financial provider. Mistress living her lifestyle to the fullest. Me as her and his little helper. Submissive slut and assistant to her by nights and occasional adviser and (more importantly for that Italian-speaker) translator for him in extra time. All beautiful futures they would talk me into daily, especially during delicious dinners he prepared. How we'd have money for my transition and beyond. What a cute bimbo I could be for both of them. It only needed a little bit of investment...

Finally, about one month into our life together me and her went to the bank. I applied for loan while I still had employment (my contract in a hotel was about to expire). After three visits there, after few gentle pushes from her, after some nice stories about how we'll use the money to create professional dungeon, after stories of how important my role in the project was, after few signatures, large sum of money which would be paid off in next 10 years appeared on my bank account.

Well, actually on her bank account by then. She held the card. She held password and accesses. She used that money all and any way she wanted.

This was THE stepping stone. I knew that money tied me to her, though back then I viewed it as sort of step towards building future together. But in fact, since then whenever she stepped over my hard limit, whenever red flag was raised, whenever she betrayed my trust, that debt was what kept me from leaving this relation.

[paydaymarketloans]

Same Day Loans Online - Feel Good With This Fantastic Cash Support

For defaulters or insolvents, facilitation is not a difficult chore because the USA finance sector provides a cutting-edge credit arrangement called same day loans online. Its final composition has a number of unique traits. Common people nowadays cannot depend on their monthly paychecks to cover all of their needs and wants, especially as the cost of basic necessities rises. Following a beneficial credit support is therefore seen to be the best solution to their troubles, and this particular financial aid may be easily included in that group.

The money earned is used to fulfil needs including paying medical bills, remodelling a home, buying a car, getting married, and taking a trip. Additionally, you can utilise the loans to combine your debts, which will help you regain your financial freedom. However, same day loans online allows you the opportunity to enjoy credit freedom. This rapid cash is perfect for your situation. Because they are given to students who received low grades, these credits are offered at somewhat higher interest rates. Poor credit histories raise the risk for the lender, and to offset this risk, the lender will charge a little bit more. You can even apply for same day cash loans online if you want to save money slowly. The net method is, in actuality, simple and uses less slow. An advantageous lower and lucrative bargain can be yours with some good analysis effort. By making on-time advance payments and combining all previous debts, one can even restore their damaged credit records.

This credit arrangement permits straightforward official actions like online applications. Since it just takes a day for clearance confirmation, no one would find this alternative hostile. Their personal information, including name, age, residence, employment history, and salary, is thoroughly examined by the financiers, and after verification is complete, approved funds are put into their bank accounts. It is clear that the lender accepts the borrower's same day funding loans after receiving a favourable response from this reality check. Applicants include this data in an application form and submit it online. It is obvious that they make no attempt to complete this formality.

Welcome Receive Same Day Cash Loans up to $5,000 today

Since the money lender extends the repayment time as a result of late or missed installment payments for same day cash loans, borrowers don't need to worry about it. Given that he always prefers to protect his business interests, he has no problem giving their borrowers an extension. Implementing a time extension can be advantageous for both borrowers and the money lender, who intends to recover his investment by extending the borrowers' payback period.

One of the newest online lenders of emergency cash loans in the USA is called Payday Market Loans. We searched the world for the best systems to guarantee that you don't have to wait a minute longer than necessary to receive your money in order to ensure that the service we provide is of the highest calibre.  Use our online application form, have your phone number and bank account information on hand, and be aware of how much you can afford in repayments to apply for a quick cash loan.

[breezyloans-blog]

Unfounded Things About Unsecured Personal Loans

The name unsecured personal loan is not a new concept to the citizens of Australia. There are many people taking online loans for different reasons every year. The credit union has restricted the number of times a user can apply for an online loan, yet, there are able to give intense competition for banking credit. The popularity of these loans in the country is equally opposed by a few unfounded things which the user has to know about before applying for an unsecured personal loan.

Short-Term Loans Cost You More Than Your Borrowed Amount.

Unsecured Personal Loans are designed with a unique concept of adjusting immediate funds to the needy who have requested them. Aiming the objective, the lender offers them unsecured, facilitating quick approval. The small funds are approved on the same day to the eligible candidates. For all these unique features, unsecured personal loans are charged a bit when compared to banking credit, but it definitely does not cost you more than what you borrow from the lender. The misconception prevailed in the market due to the existence of scammers. To be careful enough about the cost you pay to the lender, you should check their reliability in the market along with knowing the license number before applying for the loan. Also, make sure to read the terms of the loan in detail and understand the related charges to calculate the probable installment before accepting the loan offer.

Unregulated Loans

Unsecured personal loans are perceived to be unregulated loans as they are bound to high-interest charges. In fact, online loans are regulated by the Australian credit union, and every licensed lender is bound to follow the regulations set by the credit union, be it in terms of the loan tenure or be it eligibility, cap limits on the loan amounts, and the interest charges. To keep off unfounded things about the loans, make sure you check the registered license number of the lender, which is generally displayed on their website.

Make You Pay Late

An unsecured personal loan lender does not ask you for advanced check payments for scheduled installments over the loan tenure. They also don’t facilitate auto debt options. This does mean that they want you to pay the loan installments late. Unsecured personal loans are offered online. The borrower will not meet the lender in person at any juncture, so these lenders don’t seek any advanced check to get access to your account for auto-debit unless you especially seek for it to establish a line of trust with the customer. It is the lender who is at greater risk when you delay or default on the loan because they have nothing to cover up the loss as the loans are sanctioned unsecured. The lender approves the loan only after checking your affordability for it. The online loan business will be successful when you stand prompt to the loan installments.

Designed To Trap People

Before you are driven by the misconception that online loans are designed to trap people into debt, know that the loans are sanctioned and unsecured. The lender will have nothing to recover in the event of defaults. The belief that Payday Loans are debt trappers still prevails in the market, but no business can survive in the market by just pulling out the penalties and interest charges from the borrower. They want the borrowers to repay the loan amount as scheduled, along with the interest rate. This is the reason why lenders conduct eligibility checks like stable income and repayment capacity of the customer, which stands as proof of their repayment capacity.

[usedcaryards]

The Ultimate Guide To Buying Used Cars: Tips, Tricks, And Top Picks

Buying a used car is a great way to save money and get more bang for your buck. But it's also important to make sure you're buying a safe, reliable vehicle. To help you navigate this process with ease, we've compiled some tips for buying the best used cars in Port Stephens—from setting your budget to getting the most out of your purchase.

Know Your Budget

You should know the price of the car you want to buy before doing anything else. This will help you make sure that you have enough money in your budget, as well as figure out how much down payment and monthly payments are realistic for your situation.

If there's one thing we've learned from our years of buying used cars, it's this: be realistic about what you can afford! If a $3,000 car seems like too much of an investment right now but an $8,000 car is within reach--great! But if both options seem equally unattainable (or equally attainable), then maybe consider saving up some more cash before buying something new? 

Or applying for loans or using savings accounts instead of taking out loans? There are lots of ways to finance a vehicle purchase without taking out loans from banks or credit card companies; talk with friends who have bought vehicles recently and see what worked best for them!

Check the History of the Vehicle

If you want to be sure that the used car you're buying is in good shape and will last, it's important to do some research on its history. The best way to do this is by checking out its title. A vehicle's title acts as proof of ownership--and if there are any issues with it, they could spell trouble for your purchase down the line.

Checking out a vehicle's title is simple: You can go online or visit your local DMV office (you'll need some form of identification), where someone will tell you what information has been recorded on their end about that specific vehicle. This includes things like accidents and other damage sustained by previous owners; whether they ever had their registration suspended or revoked; if they sold their car without paying off all debts owed on it first ("title lien")--and more! If there are any red flags raised during this process (or even just one!), then reconsider going through with this deal because chances are good something won't turn out well later down road when something goes wrong again due to "hidden" problems stemming from previous poor decisions made by someone else who owned before us.

Get it Inspected

One of the most important steps in buying a used car is having it inspected by a mechanic. You can't just trust that a seller has told you everything about their vehicle, because they might have an incentive to hide problems or overstate its condition. A thorough inspection will give you peace of mind that your new ride isn't going to break down on its first trip across town--or worse yet, fail mid-journey with no warning signs beforehand.

Conclusion

Buying a used car can be a daunting task, especially if you're not sure where to begin. We hope that this used cars Port Stephens guide has given you some insight into what it takes to find the perfect vehicle at an affordable price. With a little bit of research and patience, anyone can find their dream ride--and we wish them luck on their journey!

Source By: The Ultimate Guide To Buying Used Cars: Tips, Tricks, And Top Picks

[savvywealthy]

How To Build Wealth?

Everyone desires to be wealthy during their lifetime, either it be for buying what they desire or to be financially independent and not depend on their 5 to 9 job. Everyone has a different perception of being wealthy. This blog is all about informing you about the different ways to build your wealth by creating income, saving, and investing. But first, we need to define what wealth is:

What is Wealth?

Financially speaking-wealth can be defined as the value of your assets minus your debt. But as individuals, we may have different views as to what wealth may be. For some, it may be owning their own house or being a millionaire. What may be your end goal you can be wealthy if you follow the following tips. How to build wealth?

The most important point to consider is that, if you want to build your wealth you must be spending less than what you earn and save the remaining part. You cannot build your wealth if you are spending more than what you are earning. So let us look at the different ways you can increase your income, save it and invest it. The first step to being wealthy is to increase the difference between your income and debt and then as an end goal, eliminating your debt completely.

1. Raise your Income

To completely pay off your debts you need to raise your income. Having multiple income sources is one of the major steps for creating wealth. If your only source of income is your job, then you are only a single paycheck away from being broke. Here are some ways you can increase your income.

Start a business

It is not a coincidence that the richest individuals on earth are founders of great businesses. Entrepreneurship can be a powerful method to sky-rocket your income and reap huge returns. You can begin by starting a small business in your preferred niche.

Increase your current income

If you currently have a job, you can ask for a pay raise, but be sure you deserve this raise. If you have been working there for a long period of time or work hard you can expect a raise. If you are denied a pay raise, when you think you deserve it try searching for better opportunities. If you are in high school you will want to choose a sector which pays a high salary. You must invest in yourself by taking up courses that may give promotion in your work.

Side Hustle

Anyone can do a side gig (hustle). Whether you are an employee or a student earning a few bucks always helps. You can start your side income by providing a service in which you may be better than the average person. Side hustles are infinite, you can have multiple side hustles which can give you a healthy amount of money. If you work hard enough, the side hustle may turn into your main source of income  

2. Save As Much As You Can

If you are generating income from multiple sources and earn a healthy amount, you have to save it. You cannot be wealthy by spending all that you earn. Saving regularly from your income creates a compounding effect which can be further expanded when you invest this money (we shall look at ways to invest money in the next part). So here are a few ways you can make sure you are saving your income.

Budgeting

Creating a budget is very important as it helps to understand and track your spending. A budget is an important means of building your wealth. It gives you a view of your expenses so that you can cut the needless expenses and save as much as you can.

Cut your spending

To maximize what you can save from your income you have to minimize your spending.  Spend only on what you need and not what you want. Prioritize your needs.

Emergency Fund

An emergency fund is a must-have for everyone especially if you live on a single source of income. An emergency fund is a portion of your savings kept aside during your hour of need.

3. Invest

When you have saved quite a bit, you have to invest your money. Money sitting idle in your bank account is losing value because of inflation. You should instead invest your money and to beat inflation and also earn capital gains. The main two types of investments are: a. Stocks and Equity b. Property or Real Estate

You must learn and understand the investment vehicle you are getting into otherwise you might end up losing your money. Starting investing as soon as possible is one of the best ways to gradually building your wealth. Reinvesting your capital gains can create a compounding effect and this will build your wealth at a much faster pace.

[mourning-again-in-america]

I expressed to @xhxhxhx some months ago that I was skeptical of the legality of the federal reserve, and I still remain so, for about these reasons. The main issue on my mind at the time was one of appointment and the origins of its creation, Wilson semeingly not particularly overworried about the particular Constitutional issues of his various projects and Jennings Bryan even more so (contrast with the respectable Chief Justice and President, Taft). I came into McCulloch as I was studying law thinking that it must be wrong, for SOME reason, given what it effectuated, and altho I'm less certain of my rightness now, I do believe I have it in the right. That the Federal Reserve, through its communications with the Treasury and the Mints, may direct the production (or non-production) of paper currency, for which it may be used in place of specie for debts to private persons and to the Governments of this Union, I am relatively fine with (the finer points I may argue about, esp in the contexts of the Legal Tender Cases, given their shaky legality). I am even willing to acknowledge a non-unitary executive in this area, an area in which it is particularly necessary to have an independent executive agency (and yet I still hear rumors that various Presidents use it for their own purposes, such as a poorly timed program for the '92 election, which ended up benefiting the candidate of "it's the economy, stupid"). But what is to stop arbitrary powers from being brought to bear through the various "facilities", and the institution or non-institution of them? They certainly create money, much like loans, while making that money available to certain partisans and not to others (have a bank account at the Fed? Welp, guess you're shit outta luck! And no, you can't incorporate solely to let your customers have such access).

It seems to me that the Federal Reserve is aware of such power and how certain factional support could bring about its death, much more so than the head of the Second Bank, who seems to have enjoyed near aristocratic privileges when trading under his name of Biddle, and enjoyed giving favors to those who he could court, bringing into alliance various other powers of family and heritage that made up e.g. Virginia and the Hudson. Were Acts of Congress to trade on these bases (i.e. aristocratic privileges) it should be an outrage, especially to those people who favored Jacksonian politics. What a surprise then, when such people have such disfavor for such an institution! In fact, I have become a bit conspiratorial as of late, thinking the vilification of Jackson to be a program of those colleges I often speak unfavorably of, especially those ones on the Charles and the Quinnipiac, the charges against him regarding the Cherokee, possibly the most important, often becoming secondary to his position on the Bank and on John Marshall, their ideological favorite, second only to Hamilton.

I can defend the bank of the United States on the general necessary & proper ground for the circulation of non-specie money (its value undergirded by its utility in the payment of taxes of the fedgov), but the lending branch makes me sick. What purpose could it serve, but to reduce the accountability of officers of the United States who want certain loans to go through and certain loans less favored, who could easily accomplish their objective through private bills, except that it would leave them open to mockery from their compatriots and infamy from later generations! What cowards would desire such a thing?