#financial advise

[gothicada]

ᴋɴɪɢʜᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ

ᴍᴇᴀɴɪɴɢ ʀᴏᴍᴀɴᴄᴇ ᴄᴀʀᴇᴇʀ/ꜱᴄʜᴏᴏʟ ꜰᴜᴛᴜʀᴇ ꜰɪɴᴀɴᴄᴇ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ꜰᴇᴇʟꜱ ᴀʙᴏᴜᴛ ʏᴏᴜ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴡᴏᴜʟᴅ ᴛʀᴇᴀᴛ ʏᴏᴜ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴘᴇʀᴄᴇɪᴠᴇꜱ ʏᴏᴜ ᴛʜᴇ ᴄᴀʀᴅ ᴀꜱ ᴀ ᴘᴇʀꜱᴏɴ ꜱᴇx

⟶ ᴋɴɪɢʜᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ ᴜᴘʀɪɢʜᴛ

ʚїɞ ᴍᴇᴀɴɪɴɢ ⟶ is about being responsible and doing daily tasks. the knight of pentacles is about having the patience to complete projects and being trustworthy and reliable. having to understand you cannot be perfect. though this card also means being observant and tactful, thinks of the future a lot and is always planning something.

ʚїɞ ʀᴏᴍᴀɴᴄᴇ ⟶ for a romance reading, could speaks of the connection but loyal, steady and secure. both people putting work into the relationships and trusting each other. getting the person you want as the knight of pentacles is about working to get your wishes to become true. could be protective over each other and mature.

ʚїɞ ᴄᴀʀᴇᴇʀ/ꜱᴄʜᴏᴏʟ ⟶ could speak about getting good grades in school, or a project going well for you. could speak about being steady in the project you're doing and if you're in a group, you'll find each person being reliable and responsible. work place could indicate that you could profit from it.

ʚїɞ ꜰᴜᴛᴜʀᴇ ⟶ knight of pentacles upright in a future reading could mean progress in something could be made, and could speak about having to be patient. could mean try and look for a job if you dont have an occupation, and it could mean if you're manifesting or praying for something, it could be becoming true soon.

ʚїɞ ꜰɪɴᴀɴᴄᴇ ⟶ in a finance reading, the knight of pentacles upright speaks of having a steady finance situation, could advise you to go on a budget, and once again look for a job. be safe and frugal with the way you spend on things.

ʚїɞ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ꜰᴇᴇʟꜱ ᴀʙᴏᴜᴛ ʏᴏᴜ ⟶ knight of pentacles shows that they could feel loyal towards you, it could mean their feelings about you grew slowly, but this shows that they could feel stubborn about you, like their feelings would be like a rock, it wont change. they feel very deep towards you, but there could also be a feeling of being hesitant.

ʚїɞ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴡᴏᴜʟᴅ ᴛʀᴇᴀᴛ ʏᴏᴜ ⟶ in upright, could mean they would treat you with loyalty, would be soft with how they would treat you, but a bit more rough compared to the knight of cups. they would be persistent towards you, and would be the type of person to help you achieve your dreams.

ʚїɞ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴘᴇʀᴄᴇɪᴠᴇꜱ ʏᴏᴜ ⟶ they think of you as someone who is hard-working and tactful. could think of you as someone they could be together with romantically or platonically for the long run. they would think of you to be someone who is patient and reliable. they would respect you. they would think of you to be someone who is very hard-working.

ʚїɞ ᴛʜᴇ ᴄᴀʀᴅ ᴀꜱ ᴀ ᴘᴇʀꜱᴏɴ ⟶ as a person, the knight of pentacles upright is someone who is ambitious and a go-getter. its the slowest moving card here, but they're someone who is patient, but sometimes it could mean they might miss out on opportunities because they could think the world runs on their time. as a person, they're someone who always thinks before they do something, they are very reliable though.

ʚїɞ ꜱᴇx ⟶ definitely slow and sensual sex. the person would know what they're doing, and they would work towards the orgasm. this could also mean you could be fucking the person you wished to have sex with, but think realistic. the person could be thick and girthy if man, could even have a trail. if woman, they could be clean and some hair, tight as well.

⟶ ᴋɴɪɢʜᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ ʀᴇᴠᴇʀꜱᴇᴅ

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ᴍᴇᴀɴɪɴɢ ⟶ in reverse, the knight of pentacles is about being stuck, someone or something being boring. could mean about someone being extreme or a workaholic, could be about treating others poorly, being obsessed with money, someone who is irresponsible and could be very shallow.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʀᴏ���ᴀɴᴄᴇ ⟶ not a good card to get in reverse, could mean someone could be over-domineering, or the spark between the two of you going out. could be about someone neglecting the connection the two of you, someone could be rejected, could also advise you to make change within the relationship.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ᴄᴀʀᴇᴇʀ/ꜱᴄʜᴏᴏʟ ⟶ could mean you could be rejected from the job or the school/university you want to apply to. could also mean not doing the project you were giving, or if a group project, someone might not be responsible. could be about someone not giving you the help they were supposed to give you. could mean you could be over-working yourself. not talking to friends or family because of how obsessed you could be with work.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ꜰᴜᴛᴜʀᴇ ⟶ could be about being stuck in a circumstance. or could be over-thinking something that could be coming to you. this could also mean that you should slow down if you're asking for advice. could be frustrated about results you're looking for. take a step back and asses your situation. repetitive cycles, try something new.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ꜰɪɴᴀɴᴄᴇ ⟶ in downright, could be about being impulsive with your money. making risky purchases, finding out later what you bought wasnt worth the price. do you research before you buy something.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ꜰᴇᴇʟꜱ ᴀʙᴏᴜᴛ ʏᴏᴜ ⟶ immature feelings. could be impatient or bored about you, it depends what other cards you get. could feel lazy to reach out to you, and might've liked you before but doesnt care about you anymore, sorry.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴡᴏᴜʟᴅ ᴛʀᴇᴀᴛ ʏᴏᴜ ⟶ very irresponsible with how they will treat you, will be someone who will break promises, never do what the two of you are meant to do together. could be obsessed with you depending what other cards come out. could also mean could be obsessed with the materialistic things you bring to the table. would be disloyal, doesnt know how to treat a lover.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴘᴇʀᴄᴇɪᴠᴇꜱ ʏᴏᴜ ⟶ they could perceive you to be someone who is unreliable. someone other people cannot depend on. would think of you to be someone who is unskilled and has nothing to your name. could think of you as someone who likes to be alone, someone who is desperate as well.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ᴛʜᴇ ᴄᴀʀᴅ ᴀꜱ ᴀ ᴘᴇʀꜱᴏɴ ⟶ as a person, the knight of pentacles in reverse is someone you wouldnt want to be around. they're unbearable, a try hard and could be very shallow. the type to betray someone for less than £10. they could be a loser, someone who lies a lot as well. but depending what other cards there are, could also mean they're a workaholic.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ꜱᴇx ⟶ definitely not good sex. rushed job. if there are good cards around, could mean it could be a quickie. aside from that, i dont see anything good. the sex could be boring and you might not even like it.

ʚїɞ ɴᴇxᴛ ⟶ Qᴜᴇᴇɴ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ

ʚїɞ ʙᴇꜰᴏʀᴇ ⟶ ᴘᴀɢᴇ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ

ꜱᴜɪᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ ᴍᴀꜱᴛᴇʀʟɪꜱᴛ

ɢᴏᴛʜɪᴄᴀᴅᴀ'ꜱ ᴍᴀꜱᴛᴇʀʟɪꜱᴛ

[mywitchcultblr]

My financial advise for you in the current climate and impending recession is to invest in cats instead of things like the stock market or real estate, cats have more value since they can purr, give you cuddle and kisses, also they are cute.

[farademetre]

Join Justin Klein as he explores the possibility that Tesla's current difficulties cannot be overcome, not even by a dovish Fed.

[pirunika]

make killing dragan a diamond option

[aro-culture-is]

Aro culture is:

“You’ll get a crush someday!”

Five years later, seventeen years old, no crush and forced into a toxic relationship because your mom is toxic

I'm sorry that that has happened to you. To you, and anyone else in these situations:

You know yourself. Even if your current aromanticism is a phase, that doesn't mean people should be invalidating your current feelings and intentions. You deserve to be listened to and respected.

As much as is possible, establish boundaries in your relationships. I will always advocate that a boundary is not "Do not do this", a healthy boundary looks more like "If you do this, I will respond like this." For example, in toxic relationships, there is often an expectation that you will drop everything for the other. It may be useful to say "If I tell you I cannot hang out right now and you insist I should regardless, I will silence notifications from you for an hour." If they disrespect your boundary, enforce your reaction. If they tell you this is extreme, unreasonable, anything of that nature - remind yourself: I am respecting my time. Even if I would like to be hanging out, I cannot, and being pressured to find excuses or being shamed for circumstances I cannot change in this moment is unreasonable and harming me.

Things will get better, and that is a promise. I know at 17 I wanted to reach through the screen and strangle anyone that told me that - but seriously. My life at 23 isn't perfect at all - but I am in control of it. You will get there.

[sapphirepolexia]

the fact that i’ve been working at the same company for almost 7 years and i still can’t afford to live comfortably pretty much anywhere on my own is really fucking sad. i couldn’t even afford a studio apartment anywhere in my home county if i wanted to, definitely not on the 30% or even 50% rule, if i stretched it

[dontmeantobepoliticalbut]

The Biden administration announced a rule Tuesday to cap all credit card late fees, the latest effort in the White House push to end what it has called junk fees and a move that regulators say will save Americans up to $10 billion a year.

The Consumer Financial Protection Bureau’s new regulations will set a ceiling of $8 for most credit card late fees or require banks to show why they should charge more than $8 for such a fee.

The rule would bring the average credit card late fee down from $32. The bureau estimates banks brought in roughly $14 billion in credit card late fees a year.

“In credit cards, like so many corners of the economy today, consumers are beset by junk fees and forced to navigate a market dominated by relatively few, powerful players who control the market,” said Rohit Chopra, director of the bureau, in a statement.

President Joe Biden planned to highlight the proposal along with other efforts to reduce costs to Americans at a meeting of his competition council on Tuesday. The Democratic president is forming a new strike force to crack down on illegal and unfair pricing on things like groceries, prescription drugs, health care, housing and financial services.

The strike force will be led by the Justice Department and the Federal Trade Commission, according to a White House statement.

The Biden administration has portrayed the White House Competition Council as a way to save people money and promote greater competition within the U.S. economy.

The White House Council of Economic Advisers produced an analysis indicating that the Biden administration’s efforts overall will eliminate $20 billion in annual junk fees. The analysis found that consumers pay about $90 billion a year in junk fees, including for concerts, apartment rentals and auto dealers.

The effort appears to have done little to help Biden politically ahead of this year’s presidential election. Just 34 percent of U.S. adults approve of Biden’s economic leadership, according to a new survey by The Associated Press-NORC Center for Public Affairs Research.

Sen. Tim Scott, R-South Carolina, criticized the CFPB cap on credit card late fees, saying that consumers would ultimately face greater costs through higher interest rates and less access to credit.

“It will decrease the availability of credit card products for those who need it most, raise rates for many borrowers who carry a balance but pay on time, and increase the likelihood of late payments across the board,” Scott said.

Americans held more than $1.05 trillion on their credit cards in the third quarter of 2023, a record, and a figure certain to grow once the fourth-quarter data is released by the Federal Deposit Insurance Corp. next month. Those balances are now carrying interest on them, which is the highest it has been since the Federal Reserve started tracking the data back in the mid-1990s.

Further, more Americans are falling behind on their credit card debts as well. Delinquency rates at the major credit card issuers such as American Express, JPMorgan Chase, Citigroup, Capital One and Discover have been trending upward for several quarters. Some analysts have become concerned Americans, particularly poorer households hurt by inflation, might be taking on too much debt.

“Overall, the consumer is credit healthy. However, the reality is that there are starting to be some significant signs of stress,” said Silvio Tavares, president and CEO of VantageScore, one of the country’s two major credit scoring systems, in an interview last month.

The growth of the credit card industry is partly why Capital One announced it would buy Discover Financial last month for $35 billion. The two companies, which are two of the largest credit card issuers, are also two companies whose customers regularly carry a balance on their accounts.

This is not the first time policymakers have weighed in on credit card fees. Congress in 2010 passed the CARD Act, which banned credit card companies from charging excessive penalty fees and established clearer disclosures and consumer protections.

The Federal Reserve issued a rule in 2010 that capped the first credit card late fee at $25, and $35 for subsequent late payments, and tied that fee to inflation. The CFPB, which took over the regulation of the credit card industry from the Fed after it was established, is proposing going further than the Fed.

The bureau’s proposal is similar in structure to what the bureau announced in January when it proposed capping overdraft fees to as little as $3. In that proposed regulation, banks would be required to either accept the bureau’s benchmark or show regulators why they should charge more, a method that few bank industry executives expect to use.

Biden has made the elimination of junk fees one of the cornerstones of his administration’s economic agenda heading into the 2024 election. Fees that banks charge customers have been at the center of that campaign, and the White House directed government regulators last year to do whatever is in their power to further curtail the practice.

In another move being highlighted by the White House, the Agriculture Department said it has finalized a rule to stop what it deems to be deceptive contracts by meat processors and to ban retaliation against small farmers and ranchers that work together in associations.

[zahroreadsthings]

Study session...

Question: Do you go?

Response: Yeah. Time to learn about geography too, I guess.

In the end there's no point in staying - the only prize for winning this competition was clout. You both take up Sol on his offer, Dessa more enthusiastically than you.

It's easy enough to lead the way to the library but you fumble when it's time to find books on weather - you've only used Deema's before.

Sol pats you on the shoulder sympathetically and goes to speak with a librarian while you and Dessa find a table.

'You have a real talent for poking holes in solutions, Dessa,' he says when he returns, a small stack of books in his arms. He doesn't sound the least bit annoyed.

'I have to! Almost everything's written for you coastal folk. I make so many notes in my books I basically wrote them. You coastal folks have it easy.' She giggles behind her hand at Sol's surprise. 'It's true! I don't have the sea to moderate temperature.'

That hadn't occurred to you; you've lived by the sea all your life. You jot that down in your notebook.

'And altitude,' Sol says. 'Air gets thinner and colder the higher you go.'

'And if there's, say, valleys where cold air pools,' Dessa continues.

Sol nods along as he flips through a book. 'Rain shadow, valleys, basins... all things you look out for where you are?'

She nods confirmation.

They carry on while you flip through the book in front of you. It has more detail than you think you'll ever need, but you diligently take notes regardless. Who knows what you might need to know when finding Deema's samples?

An hour passes and the library closes. Your notebook is full of notes to go over... but you think you can also get your mittens finished tonight.

[willowcrowned]

Hi sorry for politics question but why is libertarianism considered bad? Like I thought it was about equality and sharing power in opposition to hierarchical authoritarianism but based on how you talk about it I’m likely super wrong about it?? Ty!!

I assume you're talking about this post.

Disclaimer: I don’t have a lot of experience with political theory or political history, so I can’t explain how libertarianism got from what it originated as to the modern American party that calls itself the Libertarian Party.

What I can tell you is that libertarianism as it’s used in modern America refers to the party with a right-aligned libertarian philosophy that prizes free-market capitalism. A lot of libertarians tend to refer to themselves “socially liberal” but “fiscally conservative,” which is to say that they don’t think governments should regulate industry but are generally pro-gay rights and pro-legalizing weed and other drugs.

There is, of course, a distinction between the libertarian party and people who identify as libertarian but aren’t a part of the party for various reasons, and left-aligned libertarians certainly do still exist in America. (Extremist right-aligned libertarians also exist—many constitutional militias are composed of extremist right-aligned libertarians.) But “libertarian” as it’s used in the American common discourse (and as I used it) still tends to refer to supporters of the Libertarian Party.

tldr; Kalvaxus thinks that taxation is theft and he should be allowed to burn towns get money without the government trying to stop him, but also thinks that being gay is fine, probably.

[emmettverhoogen]

“You gave me specific instructions not to let the children back in, Mrs. Squalor,” the doorman said. “At least, until Gunther left the building. And he still hasn’t left.”

“Don’t be absurd,” Esmé said. “He left the penthouse last night. What kind of doorman are you?”

“Actually, I’m an actor,” the doorman said, “but I was still able to follow your instructions.”

Esmé gave the doorman a stern look she probably used when giving people financial advice. “Your instructions have changed,” she said. “Your new instructions are to let me and my orphans go directly to my seventy-one-bedroom apartment. Got it, buster?”

[bibleofficial]

obsessed w gen alpha

[caressthosecheekbones]

took me half an hour to figure out how much money the fucking bra brand owes me after yet another confusing order where i bought three bras (one free), returned one (so the second bra was half off) and still somehow paid the full price of two. looks easy now. was hard on my two brain cells.

[nangua]

@nosebleedclub prompt: carapace

[acircusfullofdemons]

school's starting next month I gotta finish remaking my coding blog

[manchestercapitalmanagement]

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[king-ludwig-ii]

Also I know that we are all pessimistic about owning property but a genuine tip for when/if you have a mortgage:

Around November every year you will get a notice from the Financial Institution you’re borrowing from. This will be your Taxes & Income Account Assessment also know as your T&I Disclosure.

I cannot fucking stress this enough: read it. You should really be reading every communication you get from any financial insinuation you use whether it’s for a mortgage, banking, commercial lending, consumer lending, or investing. But especially read this.

This is the early disclosure that lets you know the escrow assessment of your property and tells you how much you payments will be starting January of the imminent year.

If escrow was shorted for whatever reason— property value skyrockets etc etc— your payment will go up and it’s important you know that esp if you have an ach or automatic payment set up.

Also if you overpaid your escrow you will get your escrow surplus given back to you. Most institutions you lend through will require you to have a savings account even if you don’t bank with them— this overage will be deposited into the savings and sit there. This T&I disclosure is the only required communication of this disbursement.