#higher returns
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Tax-Free Bonds vs Equity Investments
Tax-free bonds and equity investments are two different investment options with their own advantages and disadvantages. The choice between the two depends on your individual financial goals, risk appetite, and investment horizon.
Tax-free bonds are issued by government entities and are exempt from income tax. They offer fixed returns for a specified period of time, typically 10, 15, or 20 years. These bonds are considered low-risk investments and are suitable for investors who prioritize safety and stable returns over high-risk, high-reward investments.
On the other hand, equity investments involve buying shares of companies in the stock market. Equity investments are higher-risk investments than tax-free bonds, but they offer the potential for higher returns over the long term. Equity investments require a longer investment horizon and are suitable for investors who can tolerate volatility and are willing to stay invested for an extended period.
When deciding between tax-free bonds and equity investments, you should consider your investment goals, risk tolerance, and time horizon. If you prioritize safety and stable returns, tax-free bonds may be a good option. If you are willing to take on more risk for the potential of higher returns over the long term, equity investments may be a better fit.
It's important to note that diversification is key to a successful investment portfolio. Consider investing in a mix of asset classes, including tax-free bonds and equities, to spread out your risk and increase your chances of achieving your financial goals. It's always a good idea to consult with a financial advisor to determine the best investment strategy for your individual needs.
Visit us for more information:- https://medium.com/@dhherajjhunjhunwala/tax-free-bonds-vs-equity-investments-understanding-the-key-differences-296a526d187b
#equity investments#Tax-free bonds#higher returns#higher-risk#buying shares#diversification#investment strategy
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Polluting Firms Earn Higher Returns
“But these low-scoring ESG stocks carry greater risks.” [COMMENTARY] Companies just starting on their commitment to ESG or sustainability improvements often see significant stock price gains! Polluting Firms Earn Higher Returns, by Larry Swedroe, January 24, 2024, Morningstar, USA.
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Fanon likes to portray Jiang Cheng and Lan Wangji as being jealous of each other because they fear wei wuxian will choose one of them over the other. Which is ignoring the fact that at least in novel canon Jiang Cheng did not even fucking know wangxian ever got along let alone that lwj was in love with wwx until at the very end of the story (in cql canon he does go through a wangxian phase early on and gets very confused by their "breakup" during wwx's sunshot era) and that Lan Wangji is mostly filled with loathing towards both himself and Jiang Cheng for 'abandoning' Wei Wuxian and not being able to save him.
It also ignores the much bigger point that both Lan Wangji and Jiang Cheng are actually jealous of Wen Ning. And why wouldn't they be? That is who Wei Wuxian chose in his first life. He left the Jiang, told Lan Wangji to fuck off no he is not coming to gusu with you, and spent his days with his little-brother-shaped corpse bestie on his mountain in yiling. And then when he came back he immediately called him up the second he could string together more than two notes on a flute. Wen Ning is the real competition. (And he's winning)
#the fact that lwj despite this jealousy speaks up for wen ning in nightless is a rlly nice moment i think#and wen ning respects and admires lwj a lot as well not just for his dedication to wwx but for taking care of a-yuan#meanwhile the levels of haterism between wen ning and jiang cheng only get higher and higher#because of the baggage zixuan's (and subsequently yanli's) death and the golden core transfer bring with them#as those get dragged back into the light with wwx's return from 13 years sleepy time#mdzs#mdzs meta#lan wangji#jiang cheng#wen ning#wei wuxian
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Ok we all talk about the Pevensies' trauma at returning to Earth at the end of The Lion, the Witch, and the Wardrobe and their trouble readjusting to life there again but think of all the funny/good parts too
They return from the country, and their mom is surprised when all her children hug her at the station. Even Peter, who thinks he's all grown up. Even Edmund, who went away surly and withdrawn. She doesn't know her children haven't seen her in over a decade.
They miss their dear Cair Paravel, but they absolutely do not miss its chamber pots. Indoor plumbing is amazing.
It takes a while to remember how modern technology works, though. How many heart attacks did the siblings give their parents or the professor because they walked into a dark room only to turn on the light and find the children sitting there in the dark. (They were by the window! There was still plenty of light from the sunset! They would have gotten a candle in a minute!) The kids sheepishly remember oh yeah electricity is a thing.
(Edmund has a new electric torch in Prince Caspian. He was so excited to get that torch. Almost more excited than you'd think a kid his age would be, and his parents expect Peter at least to tease him, but the siblings all agree light in your hand at the touch of a switch is terrific.)
Suddenly getting really high grades in some subjects and terrible in others. Their grammar, reading comprehension, spelling, vocab, even penmanship? Amazing. History and geography? They don't remember anything. One time in class Susan forgets Earth is round and wants to die.
Also they can never remember what the date is supposed to be because Narnia uses different months and years. They can estimate time really well by looking at the sun though, and Edmund at least can always tell which way is north etc without thinking about it (again, using the sun)
Okay but how many times did they go to pick something up or reach something and realize they are so much shorter and less muscled than they expect? It's a common sight to see Peter climbing on counters to reach a top cabinet, grumbling about how he's High King this is demeaning. (No he never takes the extra five seconds to grab a stool. He will climb that shelf.)
Peter and Susan being delighted because they are no longer almost thirty. (In a few years Edmund and Lucy will tease them about being old and their parents will not understand.)
Lucy doesn't have to deal with periods anymore for a few years yet. Susan might not either. Heck yeah
Lucy loves to climb into her siblings' laps and be cuddled. In Narnia she eventually she grew too big, but now she is small and snuggleable again. Peter is her favorite, and if she's upset, he'll tickle her and tell bad jokes until she's smiling again, but really she loves cuddling with all her family. She grew up without her parents; how many times did she just want to crawl into her mom's lap and her mom was a world away? Imagine the first time she realizes she can now. Or, imagine one day, a cold and grey sort of day, when the rain is pattering against the windows, and it sounds like the rain on the windows of the Professor's house, that first day they went exploring. It sounds like the day they played hide and seek. It sounds so like the rain on the windows of Cair Paravel, that if Lucy closes her eyes she can imagine she's back there, having tea and chatting with Mr. Tumnus before the fireplace of her room, and soon the rain will stop, and they will go out on the balcony and wave to the naiads and the dryads and the mermaids, who have come out to enjoy the rain and visit one other on the banks of the Great River winding past Cair Paravel down to the sea.
But if Lucy looks out the window, all she'll see is the rain over London, so it's not only a cold and grey sort of day, it's a lonely sort of day too.
Susan and Edmund are playing chess in the living room (and they must have studied with Professor Kirke, thinks their mother, because they certainly weren't that good when they left). Lucy goes over to Edmund, and oh dear, thinks their mother, now he's going to call her a baby and be horrible to her, but instead he picks her up and puts her on his lap without even taking his eyes off the chessboard; it's simply a matter of course.
"Doesn't the rain sound familiar?" says Lucy in a solemn, wistful way.
Their mother doesn't know what that means, but her siblings must, because Susan says, "Yes, Lu, it does,” and Edmund gives her a little hug with his free arm as she tucks herself under his chin to watch the chess match.
(Five minutes later there is a crash from the next room as Peter falls off a counter. Their mother does not understand the words he must have picked up from the Professor, but he's grounded for them anyway. His siblings have no respect for their High King, because they refuse to stop laughing.)
#the chronicles of narnia#narnia headcanons#peter pevensie#susan pevensie#edmund pevensie#lucy pevensie#helen pevensie#the pevensies#okay this did end up a little bittersweet at the end but I tried#let's all just focus on the high king falling off counters alright#and yes the siblings all picked up narnian swear words and i refuse to believe otherwise#i'm also suddenly wondering how much language drift there is in narnia#when the pevensies return in prince caspian are all the swear words/exclamations they learned outdated?#are they using the narnian equivalent of oh horsefeathers?#nova actually posts stuff#long post //#the higher the queuer#post lww pevensies#soft post lww headcanons
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This is quite possibly my favourite Stede face journey in all of OFMD. The little blink of disbelief as Ed says his own words back at him.
The little grin as the meaning of those words settles in.
The way he can't hold Ed's gaze any longer and just has to look away.
It's so fucking sweet, and shy, and young. They both know they're on the same page now, but there's still nervousness there; there's still butterflies flapping away in their tummies.
It's just so utterly endearing.
#I will never be over Fine Things 2.0#I think I ascended to a higher plane of existence that day#and I have never returned#you wear fine things well#stede bonnet#edward teach#gentlebeard#ofmd#our flag means death
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thoughts on bonerattle arena
#lore wise? ark polaris is great amazing 10/10#gameplay wise? ehhh not my favorite but it wasn't the worst with the right group of ppl in higher difficulties (600+)#bonerattle is essentially ruins 2.0 but the devs actually keeping in mind all the new bosses and stuff that they gave us in 3#that's why returning maps like grounds and bay are so jank now compared to 2#ark is like one of if not THE smallest of the sr maps in both 2 and 3#and I just can't imagine how chaotic it would get with sr's higher difficulty new bosses and especially the kings#w/o there being some reworks but bay and grounds didn't get reworks so same would be said for ark if it did ever come back#and sure we have stuff like egg throwing and squid surge to help but still lol#ok i've rambled enough so imma stop sdklfj#splatoon#splatoon 3#salmon run#ruins of ark polaris#bonerattle arena
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I am once again thinking about the reluctant ruler whose arc justly and correctly includes assuming the throne and taking responsibility for the people set before them
#it's about simba coming back to pride rock it's about aragorn using andúril to fight for middle earth and assuming the throne it's about#hiccup marrying astrid and assuming his role as chief and moses returning to egypt#and it's about irina loving her people so fully that when she claims all of her subjects as hers that chernobog must release them to her!!!#and it's about miryem choosing to stay with the staryk and repair the damage and assume responsibility for the land and people!!!!!#and! it's! about! gen!!!!#it's ALWAYS about gen!!!!#gen who didn't want to be king. who hated being king and only wanted to marry a queen but who obeyed his gods and became a king over kings#who lost his home and half his family and his HAND but who ushered in a new golden age.#and it's about sophos who ran away but who shot the ambassador and took back his kingdom#it's about duty and it's about sacrifice and it's always ALWAYS about doing the right thing even at great personal cost because it's about#submitting to a power higher than your own. of recognizing that the calling on life is one for serving others and having so much more to#answer for than just yourself. it's knowing duty is love is duty#i cant stand stories where the answer is 'give up the throne and reject your duty' because no!!! you dont get it!!!#thats how you get the monsters!!! thats how you get the prince turned into a beast and thats how you get every terrible weak king that#aragorn feared becoming#to accept your throne is to die to self!!! you are no longer you but 'king' or 'queen'#it's like queen mary says to qeii in the crown 'elizabeth mountbatten must die#elizabeth regina must take her place.'#that's terrifying! but it's also everything!!!!#die! to! self! die! to! self!!!!!!#lilac rambles#lilac goes to the movies#lion king#prince of egypt#lotr#spinning silver#the crown#tqt#the queen's thief#httyd
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SO as an aromantic villain liker, I have to admit that whether aro or not, there's something compelling about Philip perhaps clinging to Caleb in part because of an alienation from the Other way of acquiring a Good God-Loving Family in his day and age. because if Caleb spurns their witch hunting dreams to go fall in love with a witch that's a perceived betrayal to Philip on two fronts, the witch sympathizing and the abandoning Philip for romance. it's compelling in a "Belos selectively ignores all the norms of his own oppressive belief system that he spurns, when he could have easily found a home amongst the freaks if he let go of his hate" way. it's compelling in an "adds even more parallels to Lilith, who avoids following his path, and shows that people who start in a similar place, with both genuine flaws and genuine instances of being wronged by the world, the latter not entirely unrelated to aromanticism, are still able to find joy instead of hatred, because aromanticism is not a destiny to endlessly suffer nor a destiny to do evil" kind of way.
BUT. unfortunately. I've seen way too many posts that just spew garbage like "Belos is evil because he's incapable of love, obviously! and the heroes are good and moral and (cough) not subhuman (cough) because they actually love people 🥰," just total horseshit right at the intersection of aphobia and ableism. just a total admission that they don't think love can ever motivate people to hurt anyone, that they don't think they can hurt anyone they love and no one they love could really hurt them, that love is a get out of jail free card when doing harm while harm is a get banned from love and humanity permanently card, so. basically, we can't have nice things.
#i'm not plugged in enough to the belos fandom to know if i'm kicking a hornet's nest or not here lol so i won't tag him#also because i'm apologetic for posting about belos! because the whole extended wittebane family is so Overdiscussed#not poorly written in the show. but So Overdiscussed when the literal protag never lands in the spotlight outside of shipping#but you know. sometimes i'm just correct about the Overdiscussed character! and the world needs to know!#the owl house#toh meta#now i will return to making aro headcanons for less popular villains#in fandoms with a slightly higher proportion of actual adults#because i'm not a masochist!#and also posting more about non-blond-man characters in TOH because that's straight-up what they deserve
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《山河令》 WORD OF HONOR (2021) | Episode 20
Dear, the kiss that steals your breath Will steal your soul instead When night is all that's left So wait, keep your heart inside My hand won't keep it safe I'll just feed on dreams and smile as hope slowly dies –The Rigs, Run Baby Run
#my gif#okay so the way wkx doesnt think these times can ever return#not just that things change and will naturally turn into memory#but also that he feels like he won‘t ever get another chance at being as happy as he was then#simply because hes Changed now#and he knows Bad Things Happen (to him) (because of him)#it reminds me of the nails reveal scene (‚i found u bad its too late.‘)#only much worse because so much more of wkx himself is revealed#so the stakes are higher#and he and zzs are so much closer#he inevitably needs to reveal what happened to zhen yan#but how can he? when hes convinced zzs will turn his back#if he ever finds out The Other Side of him (master of ghosts)#hes like working with a deadline#hnnng#wen kexing#zhou zishu#zzs#wkx#gifset#word of honor#wenzhou#山河令#shl#shan he ling#also this is dedicated to Spare Me by staringatstars#which im currently rereading again and its having me Feel Things#about wkx & his yearning to sacrifice himself if the odds are against him#also: hii!!!!!! my first gifset!!!!! i know its not perfect but thats fine (tears of labour streaming down my face as i smile bravely)#priestnet
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universe has a baffling sense of timing
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In Ep55 A Place for Everything, when Minkowski thinks Kepler is doubting the likelihood of Eiffel still being alive after he's floated towards the star in his spacesuit, Minkowski says "Eiffel had plenty of air left, and let's not forget he survived for -" It seems pretty likely that she was about to say that Eiffel survived nearly 200 days stranded in deep space on Lovelace's shuttle. It's interesting to me that Minkowski uses that incident as evidence that Eiffel will survive this time too, because that's not really how situations like that work.
We don't know exactly how much Minkowski knows about Eiffel's time on Lovelace's shuttle, but the reality is that he survived for those 193 days due to an extremely specific combination of impressive ingenuity, incredible perseverance, access to the right resources, a fair dose of stupidity, and an extraordinary amount of sheer luck. Without just one of those ingredients, he would never have made back to the Hephaestus alive. The ingenuity and perseverance could serve him well in this situation too, but the other factors don't exactly apply in the same way.
In my view, it isn't really that Eiffel's survival on that shuttle serves as evidence of any specific attributes that will guarantee his survival this time. I think it's more that the events with Lovelace's shuttle - Minkowski thinking Eiffel was gone forever but then being miraculously reunited with him - have given Minkowski a non-specific sense of Eiffel as a person who survives, a person who ends up in nearly inescapable peril and yet somehow always escapes, a person who makes it back alive against all the odds. It's not a piece of logical practical evidence. It's just an emotional instinct that allows her to believe that she's not going to lose him, allowing her to focus on what she can do to try and find him.
Minkowski's 'Goddamn it Eiffel' when he floats towards the star in Ep53 is so much less dramatic than the way she yells his name as the shuttle drifts away in Ep28. And that's partly about what the story calls for in those moments. And it's partly about the specific situations and the agency Eiffel has had in them. But it's also that in Ep53 she already believes that he will be okay, that he'll come back. He's done it before. He'll do it again.
#Wolf 359#w359#renee minkowski#doug eiffel#renée minkowski#And he does come back but when that happens#she can't appreciate that she was right to believe he'd survive#I love that Minkowski thinks she's so logical but sometimes she really isn't#I don't think her belief that Eiffel is a person who survives is ironclad though#Kepler says that there are limits to what the human body can withstand#and Minkowski's mind immediately jumps to the idea that he's saying Eiffel is likely to be dead#She immediately starts arguing against that assumption#I think she's been arguing against it inside her head already#Also there's a contrast between this and other moments#where Minkowski acts like Eiffel is at a higher risk of dying than most people#like that bit in the liveshow where she jokes about the horrifying early death Eiffel is hurtling towards#That was before she heard him hurtle off into the likelihood of a horrifying early death#and before he returned from it#Also I think this idea of Eiffel as a person who survives probably contributed to her trying to send him back to Earth in the finale#She needs to know that one of them makes it out. And he's survived so much. He should be the one who survives#wolf 359 spoilers#w359 spoilers#the empty man posteth#long post#Eiffel & Minkowski
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Do you miss Mari? You seem extra sad when we bring her up. I’m sure she’ll come back though, and then you won’t have to be so sad! Right…?
S: She hasn't been gone too long, I haven't had time to start actually missing her. I guess I am lucky like that. I get to talk to her, unlike a certain someone who could be in my place-
S: I am being so mean right now. Why...
#OMORI#OMORI Stranger#OMORI Ask#Stranger#ID in alt#//showing off smth that i went by before he was back from hiatus - skewed emotion chart (depression)#//when they returned Stranger was in higher spirits because it's been a really successful few days. AND the enrichment laptop returned.#// Now we are slowly falling back into old habits. including depression messing with the emotions.#//Happiness will cause him to cryand act kinda sadder than normal#//Anger will make it seem like he's in higher spirits#// and in this case what would make him feel sad just kind of ticks him off
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I FINALLY MOVED OUT TO A NEW PLACE!!!
i'm absolutely exhausted and i still need to unpack so many things and i still need to buy a proper desk and restock my groceries & supplies and a do a whole lot of other things BUT i'm hoping to get settled in soon so i can get back to the creative endeavors™️✨
love yall, stay safe, take care, and good vibes 🫶🏻
#rin rambles#i dont want to bog this with negativity but i do want to share stuff so imma do it in a way that makes me look forward and not backwards#honestly this wasn't the place that i actually wanted and got excited for several months ago#i had to make adjustments because unfortunately the landlord was a huge red flag and i decided i didn't want to sign#and sure enough she never returned my security deposit of 1.5months until this day despite saying she would every day for like a whole mont#and though it is hard and devastating i don't want to potentially sabotage my own future so i've decided to not take any legal action#i just hope. that that money can be of use to her in some way. get her out of a tough spot perhaps#it was a struggle to get to this point of actually feeling fine letting go without breaking down but!!! it's fine. i'm fine#and karma will find a way if it was truly done out of purely malicious intention!#i'm closing that book and stowing it away lovingly into a shelf because if anything it was. a powerful lesson.#as much as it sucks. never. ever. trust a person when it comes to business or transactions. no matter how 'put together' they seem#always have everything on paper and never EVER pay something until they demonstrate that they can be trusted#anyway#the people helping me move today were super friendly and nice and it made my day!!#and so far i love love love the privacy so much. a bathroom all to myself? a kitchen countertop?? for myself??? that's so crazy#i had to battle thru cobwebs and (fored to) cured my arachnophobia by force /j#and there was a power trip unfortunately but overall everything seems nice! i would have liked having the room on a higher floor but ah wel#ough my back........... _(;3」 z)_
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i can’t believe rtd did this when flux literally just happened. like we just had a storyline where everyone and everything in the universe died
#which apparently is still true! i mean wby made it sound like half the universe is still dead#sorry sorry sorry it’s not even that i disliked the episode per se it’s just that i was expecting way more for rtd’s grand return#i guess that’s on me tho for having higher expectations lol#doctor who#dw spoilers
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12-2023 - wip
I've been learning how to use procreate in my free time by cleaning up a sketch I did earlier this year. I don't know when I'll be able to finish coloring so I thought I'd at least share the lineart to prove that I'm not dead.
#alice madness returns#wip#fanart#pysart#my pile of wips has never been higher and it keeps pointing at me and screaming
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These songs have been killing me so far like. Starting with the CJPH. Especially Don't Take it Personally AND its demo. Multiple Fine, I'm Fine references. Then the Heal remake. A real genuine [Synth Shenanigans] return. like help i cant handle all this
#whats next a backlit by moonlight. related thing or something ?#contempt remake?#a new sick button up or outfit?#that one outfit from TMPH with pink lighting that looks so nice but he didnt have the higher quality camera yet so you cant see it that wel#or even maybe...the mythical sad bongos make a return?#im wishing too much on a fantasy but let me have this#i miss those stupid fucking bongos#or maybe he kills someone like what we all thought with the 20XX photo before the song came out#chonnithan sneebert jashington kills a man for pride month in his new hit song#one day someone else'll die in a song thats not him#moss post#moss rants#a big shot remix.....the craziest idea of em all#ive been ranting sm lately i apologize
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