#finance hw help

[financehelpdesk2024]

Why Your Gut Feeling Might Be Wrong: Cognitive Biases in Capital Budgeting

Ever passed up a great investment opportunity because of a gut feeling, or jumped on a project that turned out to be a dud? You are not alone. Behavioral finance reveals how our brains are wired with biases that mess with our financial decisions. In capital budgeting, this can be costly. But by understanding these biases, we can make smarter choices.

Behavioral finance is a field that blends psychology with finance to understand why people often make irrational financial decisions. It uncovers the mental shortcuts, known as heuristics, and biases that influence our behavior. These biases can lead to significant errors in judgment, especially when it comes to capital budgeting the process by which companies decide how to invest their capital in projects that will yield the best returns.

What is Behavioral Finance?

Behavioural finance is defined as the interdisciplinary field that aims to understand the behavior of individuals and its relationship with finance. This work describes the process of how cognitive bias, emotions, and social aspects influence people’s decision-making process in matters concerning money. It is important to differentiate behavioural finance from the standard finance theory, which established a notion that people think rationally and have complete information about the investment opportunity.

As a result, behavioural finance seeks to establish why people arrive at particular decisions especially those concerning personal finance and how those decisions go astray from rational economic decisions. This field plays a role to understand why investors may exaggerate responses to market information, why they are slow to sell a sinking investment or why they may join a band-wagon during the bubble.

Common Cognitive Biases in Capital Budgeting

Several studies and researches have revealed that many capital budgeting decisions ran high with numerous conceivable cognitive biases that inadvertently leads to poor investment decisions. Here are some common biases and their impact:

Overconfidence Bias: This bias happens when someone feels they possess the information that is needed to do an investment, thus taking high risks. For instance, a student can buy shares in the latest fashion technological start-up firm without worrying about understanding how the firm operates solely on the basis of the belief that they know enough to make money out of the business. They overestimate the likelihood of their investment doing well, which can leave them open to huge losses if this is not the case.

Anchoring Bias: The first type of decision-making error is the anchoring bias where decision makers stay focused with the initial information they receive despite receiving other contradictory data. For example, a manager may set the initial value for a project and then continue to use this initial value in spite of updated information that can indicate the value of the project is too high. The first type of heuristics, in general, can result in biases and poor investment decisions since the initial anchor dominates the final assessment.

Loss Aversion Bias: This bias is an example of risk aversion, a tendency to avoid risks with equal, and sometimes even slightly negative, outcome. This in capital budgeting may lead the managers to reject potentially profitable investments due to insolvency of even a smaller amount of loss. For example, a manager might avoid a high-reward project due to a risk of a small failure in his/her mind even though the potential of receiving large rewards is high.

Herd Behavior: Gregarious behavior refers to a situation whereby an organization gives in to or mimics set industry standards instead of thinking critically on their own. One of the weaknesses of capital budgeting in the presence of this bias is that a company in a certain industry invests in a project merely because other players in the industry are investing in it. It can result in poor choices and resource allocation, and investments in the wrong direction, namely in the projects that are not of much strategic importance to the company.

Confirmation Bias: This type of self-deception involves filtering information in such a way that what one already thinks is right is confirmed while what is perceived as wrong is eliminated. In adjusting for capital budgeting, a manager can bring in only this or that piece of market information that bears the Harley’s initial feeling that this project has to work, while ignoring other data that may lead to the opposite conclusion. In SWOT analysis this can lead to a biased assessment of the projects potential and create misleading investment decisions.

Strategies to Overcome Cognitive Biases in Capital Budgeting

The presence of Cognitive biases does affect the operation of capital budgeting decisions, although there are ways to manage and minimize its effects. Here are some effective approaches:

Awareness and Education: Cognitive biases should be first identified and then apprehend so that people avoid falling prey to such biases. It is recommended that behavioral finance is adopted as a recurring training exercise for producers of financial information within an organization with the goal of providing enhanced awareness of biases. For instance, organizing training sessions where ideas of how overconfidence, anchoring, and other biases affect decisions are explained can help team members learn how and when such biases creep into the process and how to avoid them in the course of practicing their work.

Diversified Teams: To some extent, the idea that more heads are better than one can indeed be a driving force, particularly because it fosters a way to balance for the biases of a singular decision maker. Holding meetings that involve other members from different departments or backgrounds in capital budgeting provides a number of benefits because there will be a wider perspective than that of a groupthink. For example, inviting participants from the finance or marketing department, as well as from the operations team, etc., can give a more in-depth assessment of the possible projects.

Structured Decision-Making Processes: There can be structured procedures and documentation of how projects have to be evaluated where possible standard techniques can be usefully employed. Essential mechanisms such as consistency of the evaluation systems that are standard for all projects help eliminate bias by ensuring each project is evaluated against the same set of standards consistently. It also facilitates more detached and considerably more rational course of appraising the information, which can lead to improved decision-making.

Quantitative Analysis and Tools: Decision making thus became more analytical as reliance on data and financial models gives organization less subjective basis to make decisions. Examining the above factors and using tools such as DCF and sensitivity analysis can give a measure of the possible profits that may arise from the project as well as its possible dangers. These tools help the decision-makers to make their evaluations driven by actual facts and figures, not guesses and gut feelings, making decision making on investments more rational.

External Reviews and Audits: Sometimes, it can be useful to get outside point of views on capital budgeting decisions and thus third-party opinions may be useful. Having external consultants review the bigger decisions planned can be useful in removing bias or such from given choices. For example, for an organization’s key investment plan, engaging an independent consultant on assessment of assumptions and forecast, may reveal missing risks or unrealistically low-cost estimates.

Finance Homework Help Resources for Students

If you are a student in Finance domain and you encounter some sort of problem you need to solve in the subject of finance assignments or topics that confuse you a lot, try to seek the services of the best online finance homework help. These services concentrate on capital budgeting which is among the most discussed topics as well as many other financial issues to offer you some professional support in case you need help to comprehend the materials and succeed in the class.

Understanding this, our solutions provide an extensive array of effective finance assignment help, customized for your unique requirements. Whether you are just starting your experiments in the field of economics or are already using complex methods for calculating cash flows with the help of capital budgeting, we will always help you to get rid of difficulties. Our blog is dedicated to the various areas of finance where we provide insights, tips, and strategies on financial analysis, investments, risks and more.

To help students in more focused and directed towards specific capital budgeting assignments, we offer explanatory guide on certain factors including but not limited to NPV, IRR, payback period and profitability index. Discounted cash flow analysis, sensitivity analysis and scenario planning may not be easy to understand the basics and features for every business personality, but our experts can assist you in those.

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Personalized Tutoring: Opportunity to ask questions to the professional, who teaches financial literacy, in person and get unclear moments explained. Homework Assistance: Effective and bespoke homework help for all finance tasks that entail easy breakdown of the different methods in the process. Assignment Review: Proof reading on the assignments delivered by you in order to fault find and advise you on the areas to avoid while working on such projects in future. Study Resources: Resources in form of sets of problems and exercises for practice, annotated reference notes and self-assessment quizzes. 24/7 Support: On-call assistance to clear your doubts and meeting deadlines without fail to achieve academic success.

You will be able to use these resources to improve your knowledge of finance, complete your assignments successfully and create a background for your further work. We help students of various institutions providing finance hw help as we have friendly and well-trained tutors who can help any level of students right from the foremost level to the highest level of learning.

[tutor-helpdesk]

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[sorvete-de-pacoca]

Hi! Angsty friday prompt! 💔

Luciano and Alfred both try to visit their dads in the hospital.

Luciano ran away from home to become a photographer and make a life for himself outside Afonso's expectations. Meanwhile, Afonso developed a serious depression and lost his business.

Alfred wanted to prove to Arthur that he was better than him. He did a hostile takeover of Arthur's company and kicked him out of the board of directors, as a result, Arthur had a heart attack.

The two young men meet in the waiting room.

Luciano spots Alfred and he wants to turn around and leave. Or simply hide until the blonde had left.

"Lou?"

Oh fuck.

"Hey! Don't pretend you don't see me!"

"I could try"

Alfred roll his eyes "We don't have to do this now. You're here to see someone too right?"

Luciano nods. Afonso wasn't doing good lately, and it was his fault. He decides to try and ignore the other man. There's a uncomfortable silence between the two. And, once again Alfred tries to make a small talk.

"Who you came to see?"

"None of your bussines."

"I came to see my old man. Matt told me he got an heart attack."

There's a glimpse of worry on Luciano's eyes "What happened?"

"Whatever it was, probably my fault."

"No surprise."

Alfred sighs "wow..."

"Oh please, you don't expected me to coddle you did you? I'm past that. What did you do?"

Alfred doesn't answer, Luciano didn't need it. He knew the blonde, always a selfish prick wanted more and more.

Just like him.

"If I said that I'm sorry would that make you feel better?"

Luciano sighs "Look, today is not the day to solve our problem. We are both dead worried about our folks so let's..."

"Wait, Afonso is here too?"

Luciano shuts his mouth. Why he disclosed that to him?

"What happened?"

"Same as with you, I guess. My fault."

Alfred blows air. "Fuck, we are horrible sons."

Luciano nods. They're both terrible people.

[charkyzombicorn]

Crocodile seeing Luffy after he wakes up

Crocodile thinks it's kinda awkward at first, because he doesn't really know how to go about being a dad but he really wants to try, and he doesn't know where to start.

He tries being there, and asking Luffy about his day and listening and giving his own stories like his dad used to, but as far as he know it wasn't working because Luffy wasn't doing any of the feelgood movie classics like looking to Crocodile for assurance or asking Crocodile for help or accidentally calling Crocodile 'dad' or something. One day he just cops out and asks Luffy if he wants Crocodile to be his dad.

Luffy just sort of looks at him confused, and asks him what he means, because Crocodile is his dad. Crocodile said what he was doing wasn't good enough, and he needed to be more involved and Luffy just shrugs and says he doesn't really need all that - he's just not really a kid anymore.

But he does want help with his Stupid Mandatory Finance Class, and he wants to see Crocodile more regularly, and for Crocodile to come when he visits Garp (because he doesn't want to go alone now that Ace is gone), and for Crocodile to meet his friends because he thinks they're all awesome and Crocodile would like them.

Crocodile fits into that role pretty smoothly.

[harbourfronttechnologies]

Calibration of Hull-White Two-Factor Interest Rate Model

Calibration of Hull-White Two-Factor Interest Rate Model https://ift.tt/PGVo09f The Hull-White one-factor (1F HW) interest rate model is a widely used model in finance for simulating the evolution of interest rates over time. It is based on a mean-reverting stochastic process where short-term interest rates revert to a long-term mean at a certain speed. The model incorporates two key parameters: the rate of mean reversion and the volatility of interest rate changes. One of the advantages of the Hull-White model is its flexibility, as it can fit the current term structure of interest rates, making it particularly useful for pricing interest rate derivatives like bonds, swaps, and options. The Hull-White two-factor interest rate model (2F HW) is a generalization of the 1F HW model. In this model, the short rate incorporates two stochastic factors. Reference [1] presented methods for calibrating both the 1F and 2F HW models. Essentially, the calibration process for the 1F HW model proceeds as follows, Interpolating the yield curve Estimating the parameters using swaption pricing As for the calibration of the 2F HW model, the author pointed out, The 2F HW model aims at estimating short-term and long-term movements in interest rates. Similar to the 1F HW model, this second stage of the model, whereby it uses cap volatilities to price caps, is complex. Transforming these volatilities into accurate cap prices was difficult and was an important part of the model calibration. Furthermore, the calibrated parameters showed that not all parameters of the 2F HW model were statistically significant for this specific data; hence, the efficiency of the model depends on these parameters and the data used. The model might help researchers and practitioners gain higher accuracy by applying it to different datasets with the given calibration techniques. Nevertheless, the 2F HW model provides a dynamic picture of interest rates for different maturities, and thus it is useful. In short, the calibration of the 2F HW model operates similarly to the 1F HW model, except that in the second step, cap prices obtained from the Black model are used instead of swaption prices. Let us know what you think in the comments below or in the discussion forum. References [1] Vithanalage, W. C. Calibration of two factor Vasicek and Hull-White models with contemporary data, University of Calgary, 2024 Post Source Here: Calibration of Hull-White Two-Factor Interest Rate Model via Harbourfront Technologies - Feed https://ift.tt/bxOBC8S September 25, 2024 at 02:56PM

[capoteera]

I've said this before, and I'll say it again: if they were truly in a fake, PR, contracted, only on paper marriage, how would it help either of them in any way to split after like 9 months? :/

How has been in a fake PR relationship/marriage helped them anyway? She is not out getting papped, no articles , she’s not getting roles, they are hardly papped (the set up out in the wild ones) together (unlike some other couples) no one knows any details of their lives. They are not getting constant articles and he took last year off. How can it be a PR marriage if no one is benefiting?

He now has 3 projects this year which is not a shock he’s an actor it’s still his job. So one role is financed by CAA. It’s the biggest agency in HW of course they are using talent from within to star in it if they can. If all of this was for some big payoff for him I would be expecting him to be in far bigger roles not low budget roles like Honey or Materialists.

I can guarantee he will announce more roles during the year to film next year.

God I see because Buzzfeed reposted Chris from the puppy interview it’s another sign🙄

[accountinghw]

How A Teacher Do Hardwork For Your Future | Accounting HW Help

Hi finance students, You have solved all your accounting ratio questions because you know how to solve them. But do you ever wonder why it is easy to solve them for you? It is because of your tutor. Today we made this video especially dedicated to our hardworking tutors. Say thanks to your tutors by commenting below, sir or madam. If you need any accounting homework help, you can visit our official site.

[valoclock]

08/15/23 > 2/100dop

we moved seats in avid today, but my table is nice. im helping set up for my school’s ice cream social on friday, so i get out of fourth period. the only issue is that fourth period is my pe period, so now i have to go ask the asb president what time we’re being summoned to set up so i can tell my pe teacher whether or not i have to change. i really don’t want to change into my pe clothes and then be summoned to set up.

science was awkward today. i was the only one who did the hw at my table. it was really quiet anyways. we sat there staring out the window for a solid five minutes without saying anything until one of the guys asked me what i wrote. i ended up giving them the procedure for the project i came up with and we were the first group to start working on ours. there’s a girl in my science class who i don’t talk to, but with my last group, she asked one of my members for one of our questions since her group was “having trouble” and we had already presented and had an extra. then, she knows one of the guys in my group now and she kept staring at us since we were already finished with our procedure and she ended up taking his notebook to see what he wrote. i don’t want to end up doing her group’s work just because she wants to talk the whole time in class, but it is what it is.

my friends and i were also thinking of starting a club where we make little care packages for kids in hospitals for weeks at a time. we’re planning on asking our math teacher if she’ll be our advisor and we’re hoping she’ll say yes. otherwise, we’ll ask the chem teacher since she’s really nice. we also have to present it to asb, so my two friends are gonna present it at the next meeting and i’ll motion it. also got some new shoess

🎧 - me gustas natural - eladio carrion

⭐️ - start planning our club + finances

[recorem]

Web3 trends to watch out for in 2023

We saw some significant crypto-related projects crash in 2022, which caused Web3 to experience considerable setbacks.

However, technological advancement and innovation are still going strong, therefore 2023 needs to be a year with increased risk appraisal and assessment. There are a number of services planned that, over time, will become popular in order to promote Web3.According to Web3, we now have the means to build online places that are genuinely ours, as well as to implement digital democracies, thanks to technologies like blockchain, cryptocurrencies, non-fungible tokens, and decentralised autonomous organisations (DAOs).

On the internet, we have come a long way; in the beginning, this was unthinkable. Web3 is currently the subject of agreements and controversies, yet it has a lot to offer. Businesses adopting Web3 and blockchain are preparing for the future by figuring out how to help their customers and clients get more done with less. With improved infrastructure, more human-centered and holistic Web3 trends will be visible soon.

The top web3 trends in 2023:

By 2030, the Web3 niche market will expand by 41% and address many of the problems currently experienced by internet users.

Gaming

The use of Web3 UI/UX and the usage of blockchain in gaming have both recently increased. There will also be more play-to-earn games available. There will then be a carefully considered game economy. In addition, markets will experience a 50% increase in the gaming market over the following four years.

How is Web3.0 revolutionizing gaming?

Find out here: https://bit.ly/3C2mglL

NFTs

NFTs were a significant trend in 2021 but lost steam in 2022. This is advantageous for technology since developers will need to offer more value to attract users. Future value-added drops ought to exist since an NFT with no value will collapse. Companies must educate themselves on utility NFTs, which are much more than just works of art. NFT tickets, for instance, are one method. It is a fantastic approach to involve customers for merchandise and special events.

Want to know hw NFTs are going to change the world?

Find out how here: https://bit.ly/3hWAqOv

Decentralized Autonomous Organizations (DAO)

DAOs are not a new concept in cryptocurrency, but they haven’t yet reached their full potential. We can quickly identify use cases for that kind of organisation even by looking at a few recent events. Look at Elon Musk’s poll to see if people think he should continue leading Twitter. He stated that he would follow the poll’s findings, and it turned out that the public wanted him to resign. Who did the voting, though? Could computer programmes manipulate the poll? Obviously, it might. A DAO would at least be able to verify such a vote on-chain and link it to the assets of the voters.

Want to learn more about the potential of NFTs?

Check out our detailed event: https://bit.ly/3PSUuOe

GameFi

The idea of GameFi or the metaverse most likely originated from NFTs. It gives games more economics that players can use to their advantage. The assets can be exchanged across worlds and games, traded on outside markets, and they don’t even have to be a part of one game.

Regenerative Finance (ReFi)

DeFi is an extension of what you may have heard. It blends the decentralised finance idea with the regenerative economics idea. Imagine you own a green, beautiful piece of land. You can give the land area a monetary value with ReFi. The Web3 is a platform that users may access using a wallet to invest in, purchase, or exchange natural resources. In order to protect the environment, regenerative finance is thought to be just and long-lasting.

Buckle up! 2023 is set to be a fascinating one for the decentralized internet.

[simpfortheseven]

Obey Me: MC needs help with homework and even the brothers dont know it

I'm procrastinating doing my geometry homework, and I had the brilliant idea of this-

--------

During MCs stay in the Devildom, they wanted to keep ontop of their human world classes! They figured if they needed help, the brothers have been around long enough to help.. right?

Lucifer:

-first off, this is assuming he doesn't know something (unlikely-)

-If he doesnt know how to do it, you're basically screwed tbh

-But, him being him, he'll grab the textbook or laptop and read your notes too, trying to figure it out. Buuuut Sin, Cos, and Tan are not something he understands at all-

-eventually, he'll secretly text Barbatos and ask him to come over if he has a chance

Mammon:

-Uhm if its math, explain it in money terms and he may be able to help you

-if its anything else youre screwed sorry you went to the wrong demon-

-He tried reading your notes but they didnt make sense- You humans are so complicated with your schooling!

-Asks if the teacher will collect it or just look it over, if the teacher wont collect it and just do a check, he says to just write something down

"I dunno, Human! Just write uhh.. 'Alexander Hamilton was the first..' whatever he was I havent heard you listen to that in a long while alright??"

"Mammon we're learning about Hitler"

-dont go to him for HW help pls hes awful

Levi

-fairly smart tbh and knows some human things from how much he watches anime-

-but thats only in the social aspect- he doesnt know anything about DNA or RNA or amino acids??

-Googles everything and has you copy paste

-Is ok as long as he doesnt get distracted

Satan

-Oh you thought you were going to the right place

-Going to the book nerd for help woth English

-and yes satan can read

-BUT DOES HE KNOW SENTENCE STRUCTURE?? NO

-wHAT IS A ADVERB CLAUSE???

-But thankfully he can kinda read your notes so he uses logic to help you guess

Asmo

-honey I'm sorry but asking HIM about personal finance was the wrong idea

-he spends ALL his money on makeup

-and what the yell is a 401K?? and taxes in the human realm ARE WACKY

-asks satan for help

-0 help at all sorry hun but you do get complimented a lot

Beel

-uhm whats he supposed to know about drama class?? hes not brains hes brawns

-but he'll help you practice however he can, as long as he gers rewarded with a snack

-tbh probably the most patient while trying to help you

-and while it takes him a minute to learn it, once he gets it hes got it

Belphie

-hes asleep when you ask

-he falls asleep half way through

-is still asleep when youre done

-sorry that learning about altered book covers and designing pockets was so boring belphie 🙄

----

and yes these are all classes i take and things I'm learning about lol im lazy what can I say

masterlist

[mkstrigidae]

I HAVE SO MANY THEORIES and i want a distraction from my physics hw so thank you. So what evil stuff did Petyr teach Sansa that was normal that in reality is super weird? You mentioned something about Sansa balancing Petyr's books? MYA FINDING OUT THAT THE KING IS HER DAD?? THAT GENDRY AND HER ARE SIBBLINGS?? What reeeeaaaly was up with Lysa's death? Why did Baelish feel that he had to unalive her? What's gonna come up in the trial? How is the media scrutiny gonna affect Sansa? Also I kinda want to see how Sansa peruses her career and how her new situation is gonna change her prospects/ alter her timeline/ help or hinder her? I would very much like to see Robin's buried trauma cause he's honestly a fascinating character. you've also hyped up the shopping so much im v excited with Rhae and Cate and eeeveryone (im sensing buried trauma). random also, there's something up with the lemon tree too I can feel it. I LOVE APWH and thank you so much :))))

Hello friend!!! I don't think Petyr deliberately set alarms on his phone like '3:30pm- teach my kidnapped daughter eeeevil stuff' or anything- but his idea of a normal father-daughter relationship is warped in some ways because he sees Sansa as an extension of both himself and of Catelyn in some ways- I get into this a bit more in later chapters when getting into why Petyr actually decided to kidnap Sansa in the first place. But yes, Sansa does help do some of the accounting for Baelish's businesses! Petyr considers basic Shady Accounting Skills™ to be the kind of domestic thing that dads teach their kids on weekends (instead of idk teaching Sansa how to change the oil in a car?? He doesn't know that either, so sketchy finance lessons it is) and I think it's genuinely like a dad sentiment on his part- like he considers understanding how money works to be really important and wants Sansa to be successful! So he teaches her about money and politics and she's like, secretly plotting to sneak off to the movies with Mya the entire time. Mya and Gendry's stuff- i'm still trying to figure out if it fits in the main story, but if it doesn't, they're getting their own lil mini story because it's gonna be super interesting. Everyone in this story has so many daddy issues.

Lysa's death is... complicated. I can't quite spill that one yet! But I hope the final answer will be worth it. As for the trial- lots of things will come up! Jon's there, and Dany's there and in her element, and Sansa's getting the worst crash course in North Westerosi law imaginable and also like, wildly crushing on one of the prosecutorial interns (i.e. Jon) which is a wild emotional spectrum for anyone to exist on, quite frankly. Sansa's career and her goals for the future are actually something I really plan to dig into during the trial arc- long story short, she's going to spend some time doing an internship in White Harbor that really makes her reevaluate what she wants from life and her work. And you know I'm going to dig deep into Robin's trauma/past/relationship with both Lysa and Petyr. I love APWH Robin so much and he's growing in leaps and bounds where he is right now.

The lemon tree represents home to Sansa in a way that the house in Braavos doesn't even- she loves it in the way that you can only love a gift that came from one of the people you care about most in this world, and it's something that I think is very grounding for her. She doesn't have it with her now- adding to just how off-kilter she feels still at Winterfell.

Thanks so much for your thoughts!!! I love reading these!

[tarantulas4davey]

annnnd i’m supposed to be doing hw so that means it’s head canon time!

they do a q+a and someone asks about al’s nickname red (did it come from his hair or the fact that he blushes rly red) and race is like ;)) you should see how red he gets when- and al is like !!race!! and race is like WHEN i embarrass him mind out of the gutter al jeez and al’s face burns

al does a stream with tiny little braids in his hair bc race plays with his hair and race does a video where he has a bunch of butterfly clips n stuff in his hair bc al put them there and race isnt ever taking them off

race is slowly getting better at games and he’s like babe!!! there’s someone right behind you!!! and al turns and promptly gets shot point blank by race

jack was chilling on the couch once as they did a stream together and when he left they found a few drawings of them looking at the screens and also looking at each other and they’re like damn,,,,, we really do be in love

on april fools day race pours water over al and al starts freaking out and he’s like race oh my god the game setup the waters gonna ruin in oh my god oh no can i even afford an entire new setup oh god oh shit and race is like slowly panicking like babe oh crap i’m so sorry i’ll help i swear i didn’t think about that and al puts his head in his hands and race is like baby please don’t cry i’m so sorry

but al’s not crying he’s laughing, because the water didnt get into the console (race is smarter than that) and race totally fell for it and race just stops and he’s like you little-

for one of race’s videos he wants to try his art skills so he paints on al, and afterwards he’s just staring at shirtless al and al’s like uhh. you’re just staring at my abs babe and race is like oh my bad and then proceeds to stare at his arms

when they eventually do get engaged race posts smth and captions it smth about his fiancé but he’s so excited that he accidentally writes finance and everyone’s like ??? did he mean??? fiancé??? if so i’m happy for them if he’s genuinely this excited about a finance then cool i guess??

race makes an offhand comment abt stealing all of al’s shirts so he’ll just be shirtless and al is like sure race and race takes that as a challenge and the next stream al is wearing race’s hoodie (one that race had worn in multiple of his own vids) and he’s like so anyways he actually took my tops and race is like “hey at least you still have your bottom ;)” and al is like “ONE PEACEFUL STREAM RACE”

i love the hcs but for legal reasons i have to tell you to go work on your homework before you write any more because i have a ✨guilt complex✨

- race is a heathen and is constantly making jokes like this when he KNOWS albert is hyper-aware theyre on stream cause it embarrasses him b u t albert is the type that just,,,, constantly makes jokes like that regularly so if they’ve been on stream and he’s chatting with race or distracted by the discord’s banter or something he’ll casually make a joke about race using cover up on his neck in videos or something and chat will loose it and race just stares at him for a full 10 seconds like ‘😲’

- albert also did a whole stream with winged eyeliner cause race wanted to do his makeup and he refused to wash it off. race came in with bright red lipstick and left a massive kiss print on albert’s cheek before winking at the camera and walking out again to wash his face. albert 100% noticed but just left it there. race is in love with all the pictures of him from the stream with the butterfly clips and saves every piece of fanart from it to his phone for safe keeping.

- the thing i’m imagining is pubg and the animation on that makes me fucking cry laugh. just the head snapping back and then al’s character just crumbling while race is on the game floor cackling and albert is just blankly staring at his screen before he just turns to race and goes “you’re going to regret that.” very seriously. race stops laughing.

- race frames and hangs the art in their gaming room cause he thinks it’s cute. jack sees it one day like “guys- i have better ones you could’ve just a s k e d” and just gives race this massive box full of sketches of them cause they’re gross and couple-y and he teases them but they ARE a perfect character study for ‘fools in love’ and it makes for good art.

- i picture race as highly empathetic so he would immediately feel SO GUILTY if he thought albert was actually upset b u t albert cant even bring himself to feel bad cause race got trying to get him

- race is a massive al simp he frequently gets caught,,,, admiring his boyfriend (aka positively drooling over him) and it always makes albert slightly smug, which as we know, isn’t his usual state of being.

- sjhdbdhd race WOULD make a typo in engagement announcement post. albert’s comment is just “hahahhahaha FiNaNcE. good one babe” and race never ever lives it down.

- they have exactly zero peaceful streams he should be used to this by now. also he does dares for donations over $50 (cause he makes questionable choices) and someone drops $100 and just puts “i dare you to give race his hoodie back” and race just smiles like the cheshire cat. albert asks if this makes him a stripper. also when race says that “at least you still have your bottom ;)” line and winks DIRECTLY into the camera, al just gets up and pretends to leave the game room for dramatic effect.

yeah,,,,,, i’m still obsessed with this au thank you for the fantastic hcs

[sassyfrassboss]

Welp, Harry certainly got a lesson in duplicity from his master. I bet it was all Meghan’s idea to try and blindside HM by intentionally being sneaky about the Oprah interview since Harry really isn’t smart enough to be cunning. I hope it worked out well for her in the end having such a useless and unskilled husband... we all know the reason she married him was so that she could stop hustling and finally make her dreams of being a lady who lunches come true, but now she’s going to be the one pulling the weight in the marriage if she wants mega $$$ since her dullard husband has lost all of his value. I’m sure having to dip into her merching nest egg is like death by a thousand cuts to her 😂

While I do think that Harry is just as responsible for this mess as Meghan is, I agree that she is the mastermind behind all of this. 

Harry KNOWS the interview is a bad idea. He LIVED through it after both of his parents gave interviews regarding their train wreck of a marriage. Part of the reason he is only in a portion of the interview, almost like a footnote, is that he most likely didn’t want part of this but due to whatever it is they owe Oprah, he had no choice in the matter.

I also think that they are paying Oprah back for all she has done for them in the past couple of years, Tyler Perry’s plane, his house, the house in Montecito (which I think O helped them finance or she helped negotiate. 

Also, I truly believe that Meghan is most likely giddy over having her Oprah interview moment. This is what she has wanted from the beginning. If Meghan had her way she would have made the rounds of all the talk shows while being a working royal and she would have given interview after interview to all the major news networks. She LOVES and CRAVES attentions. Every time a newspaper criticized her for something she would have published a strongly worded Communications Letter from her office followed by a 10 minute interview on the Today show or Good Morning America so that she could talk about her true intentions and how she is not what the press make her out to be. 

She wanted to be able to address the UK public on Christmas like the Queen. I guarantee if she had her way should would have recorded her own message to the people because she truly believed SHE was just as, if not more so important than the Queen. 

That is why Archie’s birth announcement was so off. It wasn’t that she was mad she had to announce his birth. She was mad that she was required to inform BP and they would make the official announcement. So instead she had a “communication error” and announced on her IG account because no one was going to steak her thunder. Funny though how she has zero issue stealing others. 

Honestly, I’ll bet that all of this drama and the upcoming Oprah interview have turned HW right off of Harry & Meghan. HW never accepted Meghan to begin with and now what they are left with is a balding 36 year old man child ex-Royal and his social climbing wife. These two aren’t billionaires nor do they have any pull in the Royal circles anymore. They are useless to HW. 

I wouldn’t be surprised if Netflix cancels their deal or at least scales it back drastically soon. 

[yescoffee]

1/100 Days of Productivity

Gonna start doing this productivity challenge cuz ya girl is struggling with motivation lol

Tuesday Oct. 20 - Productive things I did :)

Attended a group zoom meeting for my international management project

Went to my profs office hrs for finance and now I finally understand bond valuations 😩

Got dressed & walked to my fav coffee shop to finish up my finance hw

Went for a quick 2.5 mi sunset run @ the bay trail by my apt

Did a killa ab & glutes workout

Made breaded chicken, creamy polenta, and broccoli for din 🍴

Fun things I did (bc happiness is equally as important)

Updated my workout playlist

Got an iced eggnog latte for the first time this szn 🌲☕️

Watched an episode of The Haunting of Bly Manor but got scared and had to turn it off lol

Read a few chapters of Big Little Lies

Sry for the long post, I’m gonna try to do one of these per day & I think it’ll really help my motivation and mental health :) ngl I’ve been kinda sad and low-energy lately and this has made me more excited to get shit done.

Sometimes you just needa be proud of yourself for doing even the most basic tasks. 💗 I definitely recommend participating in one of these challenges if motivation is something that you struggle with!

[towerfandoms]

khun college au headcanons with bam and gf?

OFC YOU CAN BBY 

-Ok so Khun is that one really rich kid thats super popular. Let’s face it, he’s hot af, super smart, aethletic and lowkey a douche 💀 Obviously he’d be popular... and not just with the ladies 😳

-Manz probably does finance and business. I can definitely see him the type to try and inherit his fathers company yknow the old cliche. I doubt he’d do any after school clubs willingly- you and Bam probably had to force him to join yours.

-Speaking of which yes, you all do after school activities together no questions asked. I feel like Khun would lowkey be like well since he has to do this yall may as well join the book club. Bam would probably also really enjoy the book club as well as other less intense stuff like arts and cooking.

-Khun would 100000% be a disaster in the cooking class (hes a rich kid what do you expect). Bam is canonly good at cooking and you were decent- yknow gotta be a good housewife for daddy Khun🤩🤩 Khun tried super hard to make food for you but... it just wasn’t it... Like you accepted everything he made and tried to eat buuuuut :/ kinda nasty bro. Bams cooking on the other hand was absolutely amazing, spectacular, divine. Khuns very very competitive so he would try to compete with Bam and have you as a judge which put you in a very tight position. Overall cooking with these two dumbasses is an experience that everyone should have 😌✨

-Bam probably does teaching or social studies??- idk the thing to be a social worker. He likes helping people and obvi in the webtoon it’s people he cares about but this is a modern au so shhh.

-He’s one of the quiet kids, doesn’t really talk to anyone. You had known Bam since high school tho so yous we’re still best friends.

-After classes, you three would all go to your local cafe and (attempt) to do your homework. Usually it’d just end up with you and Khun messing with each other and Bam actually doing his hw.

-You and Khun share a class together and lemme tell you this boy is the BIGGEST distraction. He’s super smart so he already knows everything but he’d be super bored. Sometimes he’ll like doodle on your copy, drawing hearts or your name. He’ll try to talk to you and you have to do everything you can to make this boy pay attention. The only time you actually learn something is when he goes to sleep.

-When you two have tests you and Khun both go to the library and he tries his best to tutor you but you’re just too focused on his stunning face. I mean who can blame you like have you seen this man. 

-Besides I feel like Khuns a strict teacher, he takes no bs. So if you’re not paying attention he will not hesitate to whack you on the head with your work sheet questions. Still he’s a good teacher despite how evil he may be.

-But yeah college is amazing with your sexy bf and cute best friend 🥺🥺 I’m going college next year so please pray I find a khun and fall in love with him and we live happily ever after xx 😍