#online trading mobile app

[backlinkseorank]

Discover the ultimate online trading mobile app for seamless and efficient trading. Access real-time market data, advanced analytical tools, and secure transactions all from your mobile device. Start trading smartly and stay ahead in the market with our user-friendly interface and low brokerage fees. Visit - https://www.thebeststockbroker.com/best-trading-app-in-india/

[tfatrading]

In the world of digital trading, mobile apps have revolutionized the way traders operate in financial markets. Particularly for forex trading, having the right trading app is crucial to making informed decisions and maximizing profits. With the increasing popularity of mobile trading platforms, choosing the best forex trading app in India has become a key consideration for both beginners and seasoned traders. In this article, we will explore the top forex trading apps available in India for 2024, using the EEAT (Expertise, Authoritativeness, Trustworthiness) framework to ensure high-quality, reliable content. Whether you are a beginner or a professional trader, we’ll help you find the best app to meet your needs.

[marketingprofitmedia]

Smart Ways to Make Money: Profitable Passive Income Ideas to Secure Your Future

Smart passive income ideas can secure your financial future and provide steady earnings. Explore profitable ventures like rental properties, dividend stocks, and online businesses.

Securing a prosperous future requires savvy income strategies that work for you around the clock. Passive income streams offer a way to earn money without the need to actively work all the time. These strategies include investing in real estate for long-term rental profits, engaging in the stock market for dividends, or leveraging digital platforms to sell products or create content that generates revenue continuously.

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Passive Income Essentials

Securing your financial future doesn’t have to mean working endless hours. Smart passive income strategies can unlock a world where earnings grow even as you sleep. There’s a wealth of options out there — each with its unique strengths. To navigate this domain, understanding the basics and choosing the right streams is vital.

Demystifying Passive Income

Passive income often seems shrouded in mystery. Many people wonder if it’s a practical goal. In essence, it’s earning money from investments or work you’ve done once. This could mean rental income, dividends, or sales from an e-book. Distinct from active income, it requires less time to manage daily.

Purchase and rent out property

Invest in dividend-paying stocks

Create digital products for sale

It’s about smart choices now for long-term benefits. For the ideal start, assess the potential risks and returns of each option.

Financial Stability Through Passive Streams

Passive income is more than just extra cash. It’s a step toward lasting financial safety. The goal is to create multiple income sources that can support your lifestyle, even if you stop working. Diversification is key — spreading your investments across different areas reduces the risk.

Type of Passive Income Benefits Real Estate Steady income and property value growth Stocks with Dividends Regular income plus potential stock value increase Creating an Online Course Earn with each new student enrollment

Review these options to align with your life goals and economic situation. Start building that foundation for a more secure and sustained income stream today. Remember, the path to financial freedom involves planning and the savvy generation of earnings on the side. Get started, and watch your financial health flourish over time.

Diving Into The Stock Market

Exploring the stock market opens up a world of possibilities for passive income. It’s a tried-and-true approach that savvy investors leverage for long-term financial gains. You don’t need to be a Wall Street expert to get started. With the right strategy, anyone can tap into this lucrative avenue.

Dividend-yielding Stocks

Dividend-yielding stocks stand out as a solid option for passive income. They pay out a portion of profits to shareholders regularly. This means you earn money simply for owning the stock. Consider these key points:

Choose companies with a history of stable dividends.

Look for those with potential for dividend growth.

Reinvest dividends to compound your earnings.

Index Funds & Etf Portfolios

Index funds and ETFs offer a more hands-off investment approach. They track specific market indices and spread your investment across numerous stocks. This leads to a balanced and diversified portfolio. Here’s why they’re advantageous:

Lower fees: Expense ratios are typically minimal with index funds and ETFs.

Automatic diversification: Instant exposure to a variety of assets helps mitigate risk.

Simplicity: They’re easy to purchase, making them ideal for first-time investors.

Comparison of Dividend Stocks vs. Index Funds & ETFs Investment Type Income Potential Risk Level Dividend Stocks High Moderate to High Index Funds & ETFs Varies Low to Moderate

My Best Recommended & Proven Way to Make $100 Daily — Watch THIS Video FREE Training to START >>

Real Estate For Residual Income

Earning while you sleep sounds ideal, and real estate often fits this dream. With strategic investments, you can build a robust stream of passive income. Real Estate remains top-tier for growing wealth. Let’s dive into real estate strategies that can secure a more prosperous future.

Rental Properties Revenue

Rental properties can turn a tidy profit monthly. Location is everything, so choose areas with growth potential. Starting can be more hands-on, but many opt for management services to handle day-to-day tasks. Here’s why rentals rock:

Steady Cash Flow: Monthly rent payments go straight into your pocket.

Tax Advantages: Deduct property expenses from your income.

Appreciation Over Time: Rentals can increase in value, boosting your net worth.

Your investment in real estate can grow with careful planning. Understanding the market helps ensure success.

Real Estate Investment Trusts (reits)

REITs are powerful for portfolio diversification. They allow small investors to earn from large real estate ventures without owning the properties themselves. Stock-like ease with real estate rewards! Key REITs facts include:

Pros Cons High Dividend Yields Sensitive to Interest Rates Liquidity Like Stocks Market Fluctuations Diversified Assets Less Control Over Investments

Credit: printify.com

Online Ventures That Generate Cash

Embarking on online ventures unlocks doors to a world where income flows even as you sleep. The internet is bustling with opportunities to create a stream of passive income. Let’s explore some smart ways to fill your pockets without the constant hustle.

Blogging And Affiliate Marketing

Blogging is not just a platform for sharing ideas. It’s a robust money-making tool. A successful blog captures the attention of thousands, opening avenues for monetization. Adding affiliate marketing turns your content into a cash magnet. Here’s how to start:

Select a niche that you love and know well

Launch a blog with a user-friendly CMS like WordPress

Regularly post high-quality content

Apply SEO strategies to increase visibility

Join affiliate programs related to your niche

Recommend products through your posts

Remember, consistency is key. Regular updates paired with SEO will drive traffic. Higher traffic leads to more earnings through affiliate links.

Creating And Selling Digital Products

Digital products offer a limitless income potential. They’re convenient to create, distribute, and sell globally. Popular digital products include:

Type of Product Examples Platforms to Sell eBooks Guides, Novels, How-tos Amazon Kindle, Your Website Online Courses Video Tutorials, Lectures Udemy, Teachable Stock Photography Photos, Graphics Shutterstock, Adobe Stock

To succeed, identify your audience’s needs. Create valuable content. Market through social media and email lists. An initial effort can translate into regular sales without any added work.

My Best Recommended & Proven Way to Make $100 Daily — Watch THIS Video FREE Training to START >>

Turn Hobbies Into Income Channels

Imagine your favorite hobby making cash while you sleep. Turn hobbies into income channels and see the magic happen. Your passion can unlock a stream of income. Transform leisure activities into lucrative ventures. Dig deep into hobbies and spot money-making potentials. Read on for smart ways to monetize your interests!

Monetizing Creative Skills

Got a knack for creativity? Harness this power for passive income. Here’s how:

Create digital products: E-books, courses, art pieces, and music tracks.

Print-on-demand services: Sell custom designs on tees, mugs, and more.

Stock photography: Click and sell images to stock photo websites.

Remember, quality content stands out. Polish your skills consistently. Keep your digital presence strong. Engage with online communities. These steps help sell more.

Leveraging Peer-to-peer Platforms

Peer-to-peer platforms are goldmines for passive income. Here’s a quick look at options:

Platform Activity Etsy Sell handmade goods. Airbnb Rent out extra space. Turo List your car for others to use.

Credit: www.bankrate.com

Frequently Asked Questions

Q. What Is Passive Income?

Passive income involves earning money without active, daily involvement. It’s generated from ventures like rental properties or royalties from creative works. This approach can offer financial security over time through consistent, scalable streams.

Q. Can Blogging Generate Passive Income?

Yes, blogging can generate passive income. Once you create quality content and optimize for SEO, you can earn through affiliate marketing, ads, or selling digital products. Regular updates and marketing strategies help maintain and grow your earnings.

Q. What Are The Best Passive Income Strategies?

The best passive income strategies include investing in dividend stocks, real estate rentals, peer-to-peer lending, creating an online course, and writing an ebook. These require varying levels of initial effort but can provide ongoing income with minimal maintenance.

Q. How Does Affiliate Marketing Provide Passive Income?

Affiliate marketing provides passive income by promoting other people’s products. You earn commissions for sales made through your unique referral links. It’s effective when you have a strong online presence and can persuade your audience to make purchases.

Conclusion

Embracing passive income strategies can transform your financial landscape, securing a brighter future. Diverse options, from real estate investments to digital products, offer paths to sustainable earnings with minimal ongoing effort. Start small, scale sensibly, and watch your wealth grow.

Your financial freedom might just be a well-chosen venture away. Dive in and let your money work for you.

My Best Recommended & Proven Way to Make $100 Daily — Watch THIS Video FREE Training to START >>

Thanks for reading my article on Smart Ways to Make Money: Profitable Passive Income Ideas to Secure Your Future

Affiliate Disclaimer :

This article Contain may be affiliate links, which means I receive a small commission at NO ADDITIONAL cost to you if you decide to purchase something. While we receive affiliate compensation for reviews / promotions on this article, we always offer honest opinions, users experiences and real views related to the product or service itself. Our goal is to help readers make the best purchasing decisions, however, the testimonies and opinions expressed are ours only. As always you should do your own thoughts to verify any claims, results and stats before making any kind of purchase. Clicking links or purchasing products recommended in this article may generate income for this product from affiliate commissions and you should assume we are compensated for any purchases you make. We review products and services you might find interesting. If you purchase them, we might get a share of the commission from the sale from our partners. This does not drive our decision as to whether or not a product is featured or recommended.

Source : Smart Ways to Make Money: Profitable Passive Income Ideas to Secure Your Future

[theambitiouswoman]

How To Get Started Investing In The Stock Market

Educate yourself: Before investing in the stock market, it's important to educate yourself about the basics of investing, including the different types of investments, the risks involved, and how to build a diversified portfolio. There are many resources available, including books, online courses, and investment blogs.

Determine your investment goals: It's important to have clear investment goals before investing in the stock market. Are you investing for retirement, a down payment on a house, or to generate passive income? Your investment goals will help determine the types of investments that are appropriate for you.

Open a brokerage account: To invest in the stock market, you'll need to open a brokerage account with a reputable brokerage firm. Some popular options include Fidelity, TD Ameritrade, and Charles Schwab. When choosing a brokerage firm, consider factors such as fees, investment options, and customer service.

Build a diversified portfolio: Diversification is key to successful investing. By investing in a mix of stocks, bonds, and other assets, you can reduce your risk and increase your chances of long-term success. Consider investing in a mix of large-cap and small-cap stocks, domestic and international investments, and bonds with varying maturities.

Start investing: Once you have a brokerage account and have determined your investment strategy, it's time to start investing. Consider starting with a small amount of money and gradually increasing your investments over time.

WAYS TO INVEST

There are several ways to invest in the stock market, including:

Individual Stocks: This involves buying shares of individual companies on the stock market. You can buy shares through a broker or an online trading platform.

Mutual Funds: Mutual funds pool money from multiple investors and invest in a diversified portfolio of stocks. This allows you to invest in a variety of companies with a single investment.

Exchange-Traded Funds (ETFs): ETFs are similar to mutual funds, but they trade like individual stocks on an exchange. This allows you to buy and sell ETFs throughout the trading day.

Index Funds: Index funds track the performance of a specific index, such as the S&P 500. This provides exposure to a broad range of companies and can be a good option for long-term investors.

TOOLS TO START INVESTING

Online Trading Platforms: Many brokers offer online trading platforms that allow you to buy and sell stocks and funds. These platforms typically provide research tools and stock charts to help you make informed investment decisions.

Robo-Advisors: Robo-advisors are digital platforms that use algorithms to create and manage investment portfolios for you. They can be a good option for beginner investors who want a hands-off approach.

Investment Apps: There are several investment apps available that allow you to buy and sell stocks and funds from your mobile device. These apps are often designed for beginner investors and offer low fees and user-friendly interfaces.

PLATFORMS

A few popular options:

Robinhood: Robinhood is a commission-free trading app that offers stocks, ETFs, and cryptocurrency trading. It’s designed for beginner investors and offers a user-friendly interface.

Acorns: Acorns is an investment app that automatically invests your spare change. It rounds up your purchases to the nearest dollar and invests the difference in a diversified portfolio of ETFs.

TD Ameritrade: TD Ameritrade is a popular trading platform that offers stocks, ETFs, mutual funds, options, futures, and forex trading. It offers a variety of trading tools and research resources.

ETRADE: ETRADE is a popular online broker that offers stocks, ETFs, mutual funds, options, and futures trading. It offers a variety of trading tools and resources, including a mobile app.

Fidelity: Fidelity is a full-service broker that offers stocks, ETFs, mutual funds, options, and futures trading. It offers a variety of investment tools and research resources, including a mobile app.

INVESTMENT STRATEGIES

Value Investing: Value investing involves buying stocks that are undervalued by the market and holding them for the long term. This approach requires patience and a thorough analysis of a company’s financial statements and growth potential.

Growth Investing: Growth investing involves buying stocks in companies that are expected to grow faster than the market average. This approach often involves investing in companies that are at the cutting edge of technology or have innovative business models.

Dividend Investing: Dividend investing involves buying stocks in companies that pay a dividend. This can provide a steady stream of income for investors and can be a good option for those looking for more conservative investments.

Passive Investing: Passive investing involves investing in a diversified portfolio of low-cost index funds or ETFs. This approach is designed to match the performance of the overall market and requires minimal effort on the part of the investor.

Real Estate Investing: Real estate investing involves buying and holding real estate assets for the purpose of generating income or appreciation. This can include investing in rental properties, real estate investment trusts (REITs), or crowdfunding platforms.

Options trading: is a type of trading strategy that involves buying and selling options contracts, which are financial instruments that give the holder the right, but not the obligation, to buy or sell an underlying asset, such as stocks, at a specific price within a certain time frame. Options trading can be used to generate income, hedge against risk, or speculate on market movements.

Swing trading is a type of trading strategy that aims to capture short- to medium-term gains in a financial asset, such as stocks, currencies, or commodities. Swing traders typically hold their positions for a few days to several weeks, taking advantage of price swings or "swings" in the market. Swing traders use technical analysis to identify trends and patterns in the market, and they often employ a combination of charting tools and indicators to help them make trading decisions. They look for stocks or other assets that have a clear trend, either up or down, and then try to enter and exit positions at opportune times to capture profits.

TECHNICAL ANALYSIS TOOLS

There are many technical analysis resources available for traders to use in their analysis of financial markets. Here are some popular options:

TradingView: TradingView is a web-based charting and technical analysis platform that provides users with real-time data, customizable charts, and a variety of technical indicators and drawing tools.

StockCharts: StockCharts is another web-based platform that provides a wide range of technical analysis tools, including charting capabilities, technical indicators, and scanning tools to help traders identify potential trading opportunities.

Thinkorswim: Thinkorswim is a trading platform provided by TD Ameritrade that offers advanced charting and technical analysis tools, as well as a wide range of other features for traders, including paper trading, news and research, and risk management tools.

MetaTrader 4/5: MetaTrader is a popular trading platform used by many traders around the world. It provides a range of technical analysis tools, including customizable charts, indicators, and automated trading strategies.

Investing.com: Investing.com is a website that provides real-time quotes, charts, news, and analysis for a wide range of financial markets, including stocks, currencies, commodities, and cryptocurrencies.

Yahoo Finance: Yahoo Finance is a website that provides real-time stock quotes, news, and analysis, as well as customizable charts and a variety of other tools for traders and investors.

Finviz: is a popular web-based platform for traders and investors that provides a wide range of tools and information to help them analyze financial markets. The platform offers real-time quotes, customizable charts, news and analysis, and a variety of other features.

[spnfanficpond]

Weekly Pond Newsletter

It's the first of September, so that means it's spooky season, right? No?

Old Business:

Last week's #TweetFicTues prompts -

New Business:

SPN Reader Insert FanFic Writing Challenge: Gender Studies - The posting deadline to be entered into the raffle is Monday at midnight EDT! Be sure to send a DM to @mrswhozeewhatsis here or on Discord or you won't be added to the raffle!

Fishing For Treasures - September's theme is Pond/Ocean Trading Places! This month, the @fanficocean will post SPN fics, and the Pond will post fics from other fandoms. The Ocean will do this next weekend, the 7th and 8th, and here at the Pond it will be the 21st and 22nd. Click here for info on how to participate!

Manta Ray chat in the Discord server - Next weekend, Admin Marie will be in the Discord server on Saturday at 8pm EDT! It will be her birthday, so be sure to stop by for some cake!

(Divider by @glygriffe!)

That’s all for this week! To see all Pond events, and also other SPN-related things like conventions and online concerts, check out our Google calendar! Click here for a static view in Eastern US/Canada time (desktop only, no mobile app access, sadly), and click here to add our calendar to your own Google calendar! We try to keep it as up-to-date as possible. If there’s something you want to see on the calendar that’s not there (maybe a convention we missed, cast birthdays, or something similar), send us an ASK and let us know!

Hope you have a great week! - From your Admins and Manta Rays, @manawhaat, @mrswhozeewhatsis, @mariekoukie6661, @thoughtslikeaminefield, @heavenssexiestangel, and @spn-fanfic-reblog-writes!

[miketownsends]

how do i become a fan of the mariners

^ still coping with blaseball end. went to a couple games as a kid but all i remember is a player named raul

man baseball has helped me SO much with losing blaseball so i get that. start with the Dorktown Mariners doc, if you haven’t already! it’s on YouTube. it’s a history of the Mariners (and Seattle baseball in general) up to about 2019, so that’ll give you a good overview of the team (and how wild it is that the team even exists in the first place)

if you want to get to know the current team, there’s an excellent Mariners blog called Lookout Landing, and every season before Spring Training starts they do a series called 40 in 40 where they write 40 articles, one for each of the players on the Mariners 40-man roster. a handful of the players detailed here aren’t on the current 40-man (Ty Adcock and Taylor Trammell wound up on waivers and were picked up by other teams, Prelander Berroa, Blake Hunt, and Zach DeLoach were traded, and Matt Brash and Jackson Kowar both needed surgery and won’t be back until next season) but it’ll give you a fairly good overview of who’s here, particularly our main guys on the 26-man roster (so the guys who are active with the big league club)

Lookout Landing is just really great reading, in general - every article is truly well-written, from deep-dives into players and stats to write-ups on literally every single game the Mariners play. god, i gotta see if i can dig up my favorite article, gimme a sec…. ah! found it. it’s from a random July game, in a season where the Mariners would wind up finally, FINALLY making the playoffs for the first time in 21 years (thanks in large part to Cal Raleigh, who is featured prominently in the article, though of course we couldn’t know that at the time), and the end of it just��� gets me every time.

speaking of Cal Raleigh, i would be remiss in not mentioning the Truth Meeting article - this all happened when Cal (and Logan Gilbert, one of the Mariners starting pitchers) were in the minors together, but it’s really good insight into the type of guy Cal is and the relationship he has with Logan (and other pitchers in general - he’s become such a leader with both the pitching staff AND the team as a whole and it’s been very cool to watch)

after that, if you wanna watch games, 🏴‍☠️ is gonna be your cheapest (aka free) options. i unfortunately don’t have a ton of insight into that front but i do know that options are out there. otherwise, if you’re in-market the Mariners are on Root Sports (which is carried by Comcast and Fubo, among others) and if you’re out-of-market you can watch them on MLB TV. both options have subscription fees, which can unfortunately be kinda pricey. if you’re a T-Mobile customer you can get a free MLB TV subscription, but it’s only available at the start of the season, so unfortunately it’s passed for this year. there’s also radio, which is free but i’m not 100% sure if you need to be local? (i’m assuming you’re probably local if you’re looking to get into the Ms + you mentioned Raul who i’m assuming is probably Raul Ibanez, but there’s lots of out-of-town Ms fans too so!) there’s an online option and also an app as well!

some other random Ms content:

Felix Hernandez’s perfect game is on YouTube

Tayler Saucedo (one of our relief pitchers) streams on Twitch - he’s more active during the offseason, obviously, but recently he’s been on the IL (has a minor knee injury and should be back pretty soon) and has been occasionally streaming DURING the games which has been pretty funny (he went viral on Mariners Twitter the other day for his reaction when we had a very exciting comeback win against the Yankees). he’s also a local guy who grew up an Ms fan so it’s been very cool to have him around!

Jen Mueller, one of the Mariners on-field reporters, has a YouTube series called “I Cook, You Measure” where she cooks and chats with various Seattle athletes, including some of the Mariners. so far she’s done episodes with Cal Raleigh, Logan Gilbert, Tayler Saucedo, Bryce Miller, Luis Castillo, and Bryan Woo, as well as former Mariners Mike Cameron and Tom Murphy (Tom was on the team when the episode was filmed but went to the Giants this season). there’s also the Bonus Bites which are just outtakes from the eps that are also really worth watching, there’s some fun stories in there!

okay uhhhh this is way longer than i anticipated it being so i’ll stop here but if you have any other questions lemme know! also if you ARE local and have any questions about coming to a game, the stadium, etc let me know as well, i basically live at T-Mobile Park during baseball season so i’ve got plenty of tips 😅

[wigilham]

Which Platform is Good for Commodity Trading?

Commodity trading has grown in popularity as investors seek to diversify their portfolios beyond traditional stocks and bonds. With the rise of online trading platforms, choosing the right platform for commodity trading can make a significant difference in your trading experience and profitability. 

Top 10 Platforms for Commodity Trading:

Finding the best commodity trading platform is crucial for beginners looking to trade commodities such as gold, silver, and crude oil. Whether you need a mini futures broker or a comprehensive trading app, the right platform can enhance your trading experience. Here’s a quick overview of the top platforms to help you get started:

1. AvaTrade

Pros: User-friendly, offers both CFDs and futures, extensive educational resources, regulated globally.

Cons: Higher spreads, limited advanced features.

2. Eightcap

Pros: Low fees, ideal for beginners, mobile app available, offers a 20% deposit bonus.

Cons: Limited contract trading tools, fewer educational resources.

3. IG

Pros: Wide market selection, in-depth research reports, user-friendly.

Cons: Higher commissions, complex for beginners.

4. Interactive Brokers

Pros: Access to global exchanges, competitive fees, strong market insights.

Cons: High minimum deposit, steep learning curve.

5. Exness

Pros: Low fees, good educational content, mobile trading available.

Cons: Limited niche market access, complex platform for new traders.

6. CMC Markets

Pros: Low spreads, advanced charting tools, extensive educational content.

Cons: Complex for beginners, limited support for mini futures.

7. E*TRADE Futures

Pros: Low commissions, fast execution, strong research tools.

Cons: Limited educational content, restricted customer support hours.

8. NinjaTrader

Pros: Low-cost futures trading, real-time data, advanced tools for professionals.

Cons: Steep learning curve, limited customer support.

9. TradeStation Futures

Pros: Comprehensive tools for experienced traders, wide market access, strong risk management features.

Cons: High commissions for small traders, not beginner-friendly.

10. Webull Futures

Pros: Commission-free trading, mobile-friendly, real-time data access.

Cons: Limited selection of commodities, minimal educational content.

Each platform offers unique advantages tailored to different trading styles. Beginners should consider factors such as fees, ease of use, available educational resources, and market access before making a choice.

[marlinehamilton]

Buy Verified Cash App Accounts What Do You Mean Buy Verified Cash App Account? Cash App was started in 2013 as a person-to-person money transfer service called Square Cash. In 2015, the service was extended to allow transactions with businesses. Over the years, it added new features, like debit cards, savings accounts, bitcoin and stock investing. Tax filing and consumer loans; it was rebranded as Cash App. As of 2024, the service is offered as a mobile app–based digital wallet and is commonly known as the preferred payment app among lower-income adults in the U.S.

Verified Cash App account A Verified Cash App Account refers to a user account on the Cash App platform that has undergone the verification process to unlock additional features and functionalities. Cash App can be a mobile payment service that lets consumers send and receive money, invest in shares or even get Bitcoin. Requested documents may include personal information such as your full name, date of birth, lest four digits of your SSN, etc. These include improved security, increased transaction limits, and the ability to trade Bitcoin, among other features like Cash Card use.

Buy Verified Cash App Accounts Requirements for verifying a Cash App account Personal Information Personal Information: Enter your first and last name, date of birth, and the last four digits of your SSN For certain accounts, Buy verified Cash App accounts may require you to submit more documentation, such as a government-issued ID or proof of your address.

You should be a minimum of 18 years outdated to confirm an account.

Name: Because this will be linked to your bank account, you’ll need to provide a name.

You must link your bank account or debit card

Make sure that your device is compatible with the Cash App and that you have installed the latest version.

Proof of Identity When Cash App needs to verify your identity based on your region and usage, we may require a photo of your ID or use selfie verification

Benefits of Using Verified Cash App Accounts Increased Transaction Limits One of the best features you have send and receive a larger amount of money when we verify our cash app account. This can be a great advantage for those of us who happen to be people or are representative of a business and need the convenience of being able to deposit and cash out larger amounts of money. We can move the funds we must move for substantial economic issues without being subject to transaction restrictions.

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Access to Additional Features But there are additional features available on our verified Cash App accounts once we get our account verified. All these features certainly help us in reaching our destination much more easily, if not anything else. For example, Cash App users can verify and buy, sell and withdraw Bitcoin through the app allowing us to diversify our investments. We can set up direct deposits from our Cash App account we can use the Cash Card, which can be personalized to our account, for debit card transactions and purchases. And that means we could potentially serve up even cooler features that utilize the Cash Card.

With Cash App, to access a famous platform, once your identity is verified. It may take time for the verification process, but the ability this provides for all our transactions adds an incredible amount of flexibility and security.

Benefits of having a verified Cash App account Benefits of having a verified Cash App account vs. unverified account

Larger Transfer Limits: Verified accounts allow users to transfer or receive large amounts of money. Verified accounts can send and receive thousands of dollars at a time (unverified accounts are limited to $250 a week in sending and $1,000 a month in receiving).

To buy: sell or withdraw Bitcoin. The Bitcoin Trading Cash App is verified.

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Why Use Verified Cash App Accounts Over Unverified Ones? If not, then your Cash App money will not be safe. Here’s why:

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You don’t have to be interrupted from using the higher transaction limits and access to all features banking is much more convenient

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If you Use It for Business: If you are using Cash App for business purposes, then a verified account does enhance your credibility and it ensures an uninterrupted transaction experience with your customers.

5starseoexper Website: Why Purchase Verified Cash App Accounts? 5starseoexper will provide you with Buy verified Cash App accounts as per your requirements. Here’s what you might love about buying from them:

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Secure Transactions: Platform monitors reliable payment methods, keep your information safe during the purchasing process.

International Access: 5starseoexper is available for usage regardless of your location, as they offer accounts suited for users both domestically and internationally.

How Verified Accounts Can Help You There are several reasons one might want to have a verified Cash App account, such as:

Individual Use: Create the best savings and spending plan for yourself, transfer money to friends and family, and more with features like Bitcoin trading and direct deposits.

Personal Transactions: Receive payments from your clients or customers using a verified account. This is particularly useful for freelancers, small business owners, and entrepreneurs.

International Transfers: Verified accounts can send international money transfer, according to the region Cash App supports.

Investments: Verified accounts allow you to invest in stocks and cryptocurrencies directly in the app.

Emergency Scenarios: A verified account can act as a lifesaver during emergencies due to increased transaction limits and immediate transfer capability.

It helps in Trust Development: Having a verified account will lend credibility, and you will be able to build trust with other people while having financial transactions.

Risks to Consider When it comes to buying a verified Cash App account, there are some things you need to know first. Unfortunately, scammers have found a way to use this convenient method of transaction to rip off unsuspecting users. Another classic scam trick is what is called money flipping and it usually involves the scammer asking you to send them a small amount of money so that they can flip it for you. The flip never occurs after you send the money and the scammer disappears.

Another popular scam goes like this: the scammer tells you need to send them money “to redeem” some larger payment they have sent you that will be returned once you send them the money to process the payment. Such scams are executed on the basis of one when the victim is anticipating the larger sum of his or her refund in return for him or her having submitted his or her funds.

Scammers might even send you a payment “by mistake” and then ask you to send it back to them. Then they dispute the original transection and you are left having accidentally sent the scammer your cash.

Conclusion Having a confirmed Cash App account open up a whole new world of possibilities for you, including more security, limits on transactions, the ability to trade Bitcoin, and your own Cash Card, amongst other benefits. Trusted providers, such as 5starseoexper, who offer verified accounts for sale, can provide a hassle-free solution for those who do not wish to go through the verification process. When using an account for personal, business, or investment purposes, you may find a verified account to be a great asset to increase your financial options in the world, as well as your credibility. 5starseoexper verified cash app accounts come with immediate delivery, and authentic verification and with impressive customer service.

[maxwellochieng]

Title: "Gen Z Hustle: How Side Gigs and Digital Innovation are Shaping Kenya's Youth Culture"

Introduction In the bustling streets of Nairobi, young Kenyans are busy making their mark in innovative ways that go beyond traditional careers. The rise of digital technology and Kenya’s rapidly evolving economic landscape have cultivated a unique “side-hustle culture” among Generation Z, who are actively reshaping work, community, and creativity. From influencing on social media to e-commerce and even venturing into cryptocurrency, these young hustlers are defining a new Kenyan dream that is all about resilience, creativity, and financial independence.

Side-Hustles in the Age of Social Media One of the most prominent changes in Kenya’s youth culture is the significant shift from relying solely on formal employment to embracing digital side hustles. On Instagram, Twitter, and TikTok, young Kenyans are building personal brands as influencers, marketers, and content creators. This trend is largely driven by the power of social media platforms, where personalities like Azziad Nasenya and Flaqo have transformed social media virality into flourishing careers.

Platforms like TikTok and Instagram allow young Kenyans to reach broad audiences with content that resonates—comedy skits, motivational videos, makeup tutorials, and dance challenges. With brands now recognizing the influence of digital personalities, many Kenyan influencers are finding opportunities to collaborate with companies for product endorsements and advertisements. These partnerships bring a sense of visibility and empowerment that has been less accessible in traditional industries.

For 24-year-old David Mwangi, a content creator and social media strategist, the allure of influencing lies in its accessibility and potential for growth. “You don’t need a big budget to get started; you just need creativity,” he explains. David’s experience reflects the sentiment of many Gen Z Kenyans who see social media not just as a pastime but as a pathway to sustainable income.

The E-commerce Boom and the Rise of Small Online Shops In addition to influencing, e-commerce has become a major outlet for Kenyan youth looking to earn extra income. Platforms like Jumia, Kilimall, and Facebook Marketplace provide easy avenues for young entrepreneurs to start online businesses, selling anything from thrifted clothes and beauty products to locally made crafts and accessories. Kenya’s mobile payment system, M-Pesa, has also simplified transactions, allowing e-commerce to thrive even without widespread use of credit cards.

With rising unemployment rates and limited job opportunities, many young Kenyans are using digital tools to build businesses from scratch. Some youth groups have formed collectives to sell items in bulk, often buying directly from manufacturers or importing from abroad to resell at a profit. This trend, known locally as biashara za mtaa (local businesses), has created a bustling informal economy that operates largely online.

For 23-year-old Aisha Ahmed, the journey started with a Ksh 5,000 loan from her older brother. Now, she runs an online shop that specializes in selling affordable, stylish handbags through Instagram. “People think starting a business requires a lot of capital, but what really matters is finding something people need and building a brand around it,” she says.

Crypto, Forex, and the Financial Revolution Another intriguing aspect of Kenya’s Gen Z hustle culture is the growing interest in cryptocurrency and Forex trading. Although controversial, the allure of quick profits and financial independence has drawn many young people into these new financial frontiers. Kenya’s tech-savvy youth have quickly adapted to apps like Binance and Paxful, learning the intricacies of cryptocurrency trading and often mentoring each other online.

Crypto’s appeal among Gen Zers lies in its promise of empowerment and financial freedom—an opportunity to circumvent traditional banking systems. However, the lack of regulation and high risks involved have left many young Kenyans facing steep learning curves and financial losses. Despite the volatility, online communities and forums dedicated to Forex and crypto trading continue to grow, attracting young people with a “high risk, high reward” mentality.

Karanja, a 22-year-old business student, views crypto as a game-changer: “It’s the future of money,” he asserts. He has spent months learning about blockchain technology and considers it a long-term investment. Karanja’s experience highlights the optimism surrounding digital currency in Kenya, despite the risks and controversies.

Challenges Facing the Digital Hustlers While side-hustle culture has opened new opportunities, it comes with significant challenges. The competitive nature of digital influencing and e-commerce can be cutthroat, with many young people finding it hard to stand out. Mental health issues, such as stress and burnout, are becoming common among young hustlers as they juggle multiple gigs alongside their education or formal jobs.

For those in crypto and Forex, the risks are even higher. Cases of scams and Ponzi schemes have left many young investors in debt, leading some to lose faith in the industry altogether. The lack of regulation around cryptocurrency also means that youth are vulnerable to fraudsters, who often take advantage of their desire for quick financial gains.

The New Face of the Kenyan Dream Despite the challenges, side-hustle culture has become a defining feature of Gen Z in Kenya. This trend signifies a shift in how young Kenyans view success, replacing the traditional path of formal employment with a vision that values independence, innovation, and adaptability. It’s a cultural revolution rooted in digital innovation, resilience, and the determination to succeed on their own terms.

For Kenyan youth, the hustle is more than just a means to an end—it’s a way to redefine their place in society. As Aisha puts it, “It’s not just about making money; it’s about taking control of your future.”

[vibeventurehub]

25 Passive Income Ideas to Build Wealth in 2025

Passive income is a game-changer for anyone looking to build wealth while freeing up their time. In 2025, technology and evolving market trends have opened up exciting opportunities to earn money with minimal ongoing effort. Here are 25 passive income ideas to help you grow your wealth:

1. Dividend Stocks

Invest in reliable dividend-paying companies to earn consistent income. Reinvest dividends to compound your returns over time.

2. Real Estate Crowdfunding

Join platforms like Fundrise or CrowdStreet to invest in real estate projects without the hassle of property management.

3. High-Yield Savings Accounts

Park your money in high-yield savings accounts or certificates of deposit (CDs) to earn guaranteed interest.

4. Rental Properties

Purchase rental properties and outsource property management to enjoy a steady cash flow.

5. Short-Term Rentals

Leverage platforms like Airbnb or Vrbo to rent out spare rooms or properties for extra income.

6. Peer-to-Peer Lending

Lend money through platforms like LendingClub and Prosper to earn interest on your investment.

7. Create an Online Course

Turn your expertise into an online course and sell it on platforms like Udemy or Teachable for recurring revenue.

8. Write an eBook

Publish an eBook on Amazon Kindle or similar platforms to earn royalties.

9. Affiliate Marketing

Promote products or services through a blog, YouTube channel, or social media and earn commissions for every sale.

10. Digital Products

Design and sell digital products such as templates, printables, or stock photos on Etsy or your website.

11. Print-on-Demand

Use platforms like Redbubble or Printful to sell custom-designed merchandise without inventory.

12. Mobile App Development

Create a useful app and monetize it through ads or subscription models.

13. Royalties from Creative Work

Earn royalties from music, photography, or artwork licensed for commercial use.

14. Dropshipping

Set up an eCommerce store and partner with suppliers to fulfill orders directly to customers.

15. Blogging

Start a niche blog, grow your audience, and monetize through ads, sponsorships, or affiliate links.

16. YouTube Channel

Create a YouTube channel around a specific niche and earn through ads, sponsorships, and memberships.

17. Automated Businesses

Use tools to automate online businesses, such as email marketing or subscription box services.

18. REITs (Real Estate Investment Trusts)

Invest in REITs to earn dividends from real estate holdings without owning property.

19. Invest in Index Funds

Index funds provide a simple way to earn passive income by mirroring the performance of stock market indexes.

20. License Software

Develop and license software or plugins that businesses and individuals can use.

21. Crypto Staking

Participate in crypto staking to earn rewards for holding and validating transactions on a blockchain network.

22. Automated Stock Trading

Leverage robo-advisors or algorithmic trading platforms to generate passive income from the stock market.

23. Create a Membership Site

Offer exclusive content or resources on a membership site for a recurring subscription fee.

24. Domain Flipping

Buy and sell domain names for a profit by identifying valuable online real estate.

25. Invest in AI Tools

Invest in AI-driven platforms or create AI-based products that solve real-world problems.

Getting Started

The key to success with passive income is to start with one or two ideas that align with your skills, interests, and resources. With dedication and consistency, you can build a diversified portfolio of passive income streams to secure your financial future.

[wide-ride]

Chat Fat (sudden wg, dirty talk)

Amy let out a giggle with a nervous edge as she leaned closer to her computer monitor. It wasn’t as if she were new to the niche chatrooms that catered to the fantasies of, well, fans of fat. However, it was rare for her to find anyone online that she really enjoyed talking to and, as she read the next message and bounced excitedly on her ample thighs, was good at turning her on.

Amy was a young woman, just out of community college and working in hospitality. She had always carried a bit of extra heft, hovering just below the 200 pound mark ever since she was a teen. She hid her weight behind flattering clothes and plenty of elastic waistbands. When she stood on the scale, the wavering of the dial just below the big 2-0-0 made her stare with both fear and longing. Longing because she wanted nothing more than to be pampered and fattened and kept deliciously full; fear because the rigors of real life didn’t quite allow for that.

So she lived out her desires through messages and photos traded with men that frequented chatrooms that allowed for anonymity. Unfortunately, most of her conversations had petered out into awkward one-sidedness, boredom, or simply one participant ghosting the other. There were one or two that she had really enjoyed keeping in touch with, but one had left the chat scene when a real life relationship became more serious and the other just seemed to be busy. She had started talking to his new man today and the conversation had become so hot so quickly that she felt giddily disoriented.

In her last few messages, she had described her imagined ideal body weight and type, and he had responded with all the myriad ways he would love to feed her up to that size. She was typing out a response in turn when a short message blipped onto the screen.

“I could do that for you”, the message read, a common enough sentiment from oft-lonely online feeders, “if you wanted me to.”

“I’d love it,” she replied, and added a winky face. She went back to typing up a more descriptively erotic response to his earlier paragraph but another message popped up.

“I could show you,” it said. Her stomach did a little flip in trepidation of having to turn down a person she had literally just met on the internet but another message arrived.

“Let me rephrase that. I can give you a little preview of how things would be if I were feeding you.”

Amy smiled excitedly, but she was still a bit confused. She was more than glad to continue typing up responses to his described feeding session, but his previous messages basically were a preview of how things would be if he were feeding her.

“What do you mean?” she asked.

“One sec,” was his reply. She pursed her lips and let out a little sigh.

“No prob,” she responded. She leaned back in her desk chair. She idly wondered if she should take a nice picture for him to return to. She picked up her phone and fiddled with it, wondering if the higher quality of the phone over her webcam would be worth the bother of transferring the pictures to the computer. It was a shame that the site she liked to chat on had not yet released a mobile app.

When she stood from the chair, the sensation of her shirt growing taut over her belly gave her pause. She was wearing a tight fitting blouse as to best show off her curves, but surely the bottom hem hadn’t ridden up so easily before. She pressed her fingers into her gut with disbelief. Maybe she was closer to the 200 pound milestone than she thought.

A new message arrived. “Sorry, back now. How are you feeling?”

There was a thrum of heat that passed through her when she ran her fingers along the soft curve of her belly that now hung a little lower. She typed out a response with one hand. “Really good :) Welcome back lol.”

“Good is good to hear. But as I was saying...if I were your feeder I think I would have you eating 24/7. If we want to get you that heavy, wobbling belly that you want, you’re going to have a steadily high caloric intake. Are you a fan of pancakes for breakfast?”

Amy grinned and sat back down in her chair. Her belly rested heavily on her thighs. The base of the armrests dug a little more into her hips than she remembered.

“I love pancakes! And waffles, and french toast...I’d be more than fine carboloading for breakfast. Especially if it’s loaded with syrup and butter. Lol thinking about it is making me feel fatter already.”

His response made an electric chill shiver down her spine. “That’s because you are fatter already. Isn’t that right?”

Amy wasn’t wearing a bra. She could feel her breasts pressing heavily against the fabric, the sensation of it making her nipples perk against cloth. She squirmed in her chair and had to keep from moaning at the sensation of her belly and tits wobbling as she moved.

Another message arrived. “Don’t worry about typing a response. I’m sure you’re enjoying finally getting to feel like the well-fed fatty you deserve to be.”

The buttons of her shirt were struggling. In a haze she watched as her belly heavily spread out on her thick thighs, her bellybutton nearing her knees. The fat was pumping in smoothly, making her stomach round yet bottom heavy, like a beanbag chair. As buttons began to pop she felt her swelling breasts fall to hang free of the confines of her shirt. Her still-plumping belly made supported them, but as they grew heavier they began to sag to the sides.

“I’m sure you’re looking like a prize pig about now. I think by that size I’d have you addicted to food. That big round belly of yours is going to crave being stuffed full. Hell, you’ll be begging me for a funnel just to make sure you’re always topped off.”

Amy moaned as her belly jolted forward, as if it had been instantly been packed with food. She felt deliriously full. As her hips grew wider, thick love handles began to form. Her underwear was stretched to its limit and the elastic dug viciously beneath one of them.

“If I can ever get you to take a break from eating, I’d love to watch you try to walk...all that lard jiggling as you struggle to waddle even a few steps...”

Amy tried to reach between her legs and discovered two things. One, her belly and tits were so round and swollen that she could not reach. Two, her ass was so fat that she was completely wedged in her chair. Her vain struggle to even reach forward to the keyboard did nothing but make her wobble. She was so horny that it was hard to think, and her inability to move was only making it worse. She could just barely grind herself against the seat of the chair. She kneaded a nipple, thankfully still within her reach, and it felt so sensitive and lush that she cried out.

“Yes, I’m sure you’d make a great piggy for me. You want nothing more than to pack on pounds. I doubt you’d even blink at surpassing immobility. You’ve got simple desires: feeding and fucking.”

Amy felt so awfully close. Her fat gut was spilling over her knees.

“But I did say this was just a preview.”

And like that, it was all gone. Amy was her usual self, sitting in front of her computer screen, her blouse stretched to ruin as the only sign that anything was amiss. She took a few minutes to catch her breath before hurriedly typing out a response.

“So, where did you say you were from again?”

[sokowachi]

Unlocking the Power of MAJOR on STON.fi: A Simple Guide to Gaming, Earning, and Growing in the Crypto World

Have you ever wondered how you could make money while doing something you love, like gaming? Well, that's where MAJOR, a game built on the TON Blockchain, and STON.fi come in. What if I told you that you could not only have fun playing games but also earn real crypto rewards in the process? Sounds intriguing, right? Let me walk you through it in the simplest way possible, so you can see how it all works and how you can get involved.

What is MAJOR, and Why Should You Care

Let me paint a picture for you. Picture your favorite mobile game, but instead of just earning points or levels, you earn something of real value—crypto tokens. MAJOR is exactly that. It’s not just another game—it’s the first ranking game on the TON Blockchain and it’s integrated into Telegram, the messaging app most of us already use daily.

In MAJOR, you join squads, play strategic games, and get rewarded based on how well you perform. The more you play and climb the rankings, the more rewards you can earn. You could think of it like this: it’s like winning prizes in a game show, but instead of a physical prize, you’re earning MAJOR tokens, which can be traded or saved for future use.

Here’s the kicker: Just last month, the game’s user base grew to an impressive 32 million players. It’s gaining popularity because it’s easy to get into, and more importantly, it’s rewarding for players who get good at it.

The MAJOR Token: How It Works and Why It’s Valuable

In MAJOR, tokens aren’t just a part of the game—they’re a key asset that you can use in real life. MAJOR tokens are the in-game currency that players earn as they compete. But here’s where it gets interesting: instead of using tokens only within the game, you can actually trade them on STON.fi, a decentralized exchange.

Think of it like this: imagine you win a gift card at a gaming tournament. Instead of just spending it in one store, you could sell or trade it online for cash or store credits at various places. Similarly, you can trade MAJOR tokens for other cryptocurrencies or simply hold onto them, hoping they increase in value.

Why STON.fi Is the Best Place for MAJOR Trading

When it comes to trading MAJOR tokens or earning rewards, STON.fi is where you want to be. So, why should you use it?

STON.fi is a decentralized exchange (DEX), meaning you don’t rely on middlemen (like banks or brokers). Everything is controlled by the users (like you), which makes it more secure and private. You also have more control over your tokens, and the platform is designed to be user-friendly.

Whether you’re a crypto newbie or an experienced trader, STON.fi has made it easy to start. You don’t have to worry about complicated steps, and you can trade MAJOR tokens without dealing with unnecessary hurdles.

How to Earn More with MAJOR/TON Farming

So far, we’ve discussed how you can earn MAJOR tokens by playing the game, but here’s the next level: farming. Don’t worry, I’m not talking about tending to crops or cows. In crypto, farming means providing liquidity to a platform and earning rewards in return.

Here’s how it works: On STON.fi, you can participate in MAJOR/TON farming. What does that mean? Well, it’s like lending your tokens to a pool and, in exchange, you get STON tokens as rewards. This process can earn you more crypto with minimal effort.

For example, if you provide liquidity to the MAJOR/TON pair, you’re eligible to receive rewards, which right now is a total of 10,000 STON (worth about $48,500). The farming period runs until December 28, so you have plenty of time to get involved. The best part? There’s no lock-up period, meaning you can take your tokens out at any time.

Think of farming like sharing your tools with a neighbor. They use them to build something, and as a thank-you, they give you a part of whatever they make. Similarly, you provide your tokens, and in return, you receive rewards. Simple, right?

How Does This All Benefit You

Now, you might be asking, “Why should I care about MAJOR or STON.fi?” Well, here’s the deal:

For Gamers: If you enjoy gaming, this is a no-brainer. You can earn tokens as you play, and those tokens can turn into real earnings. It’s like playing a game you love, but now with financial benefits attached.

For Crypto Enthusiasts: If you’re already into crypto, this is a unique opportunity to earn a new type of token. MAJOR tokens bring a fun twist to the world of crypto.

For Newbies: You don’t need to be a crypto expert to participate. Platforms like STON.fi make it easy for beginners to get started, and it’s a good way to dip your toes into the world of decentralized finance.

By joining in, you’re not just gaming or trading for fun—you’re actively participating in the growing world of blockchain and crypto.

My Personal Experience with MAJOR and STON.fi

When I first heard about MAJOR and STON.fi, I was a bit skeptical. “Can gaming really mix with crypto?” I thought. But after diving into the game and exploring STON.fi, I was pleasantly surprised.

What I loved about MAJOR was how easily I could jump in and start playing. And once I started earning MAJOR tokens, I saw how valuable they were. The ability to trade those tokens on STON.fi or participate in farming was a game-changer for me.

I’ve been using STON.fi to trade and farm, and I can confidently say that it’s one of the most user-friendly crypto platforms I’ve ever tried. Whether you’re looking to trade your tokens or farm for rewards, it’s all possible with just a few simple clicks.

Trade major on Stonfi

Final Thoughts: A Simple Way to Play, Earn, and Grow

MAJOR on STON.fi isn’t just another game or crypto platform—it’s an opportunity to combine fun with real-world rewards. Whether you're a gamer, a crypto enthusiast, or someone who’s new to this space, getting involved is easy.

You can play MAJOR, earn tokens, and either trade them or farm for more rewards. It’s a fresh way to experience the world of crypto, and it’s more accessible than ever before.

If you haven’t already, I encourage you to give it a try. Dive into MAJOR, explore STON.fi, and start earning rewards today. It’s a new era of gaming and finance, and it’s exciting to be part of it!

[contractorslicenseschool]

How To Get a General Building Contractors License (Class-B)

Learn how to get your General Building Contractor License (Class-B) in California with Contractors Intelligence School! Our comprehensive contractor license course guides you through the entire process, from meeting requirements to passing the contractor licensing exams.

This video explains the contractor licensing steps, including submitting your application, completing Live Scan fingerprinting, and preparing for the Law & Business and General Building trade exams. With our proven methods, you can pass your exams on the first try!

Our course includes online and in-class options, 3D illustrations, audio materials, and a mobile app for flexible learning. Whether you’re a seasoned tradesperson or just starting, we’ll help you achieve your goal of earning a California Contractors License quickly and efficiently.

[spnfanficpond]

Weekly Pond Newsletter

Actual photo of Admin Michelle right now:

Old Business:

SPNFanFicPond Fic Highlight - Click here to read all about it! Fluffy gen fic with no pairing but an adorable kitten!

Last week's #TweetFicTues prompts -

New Business:

Fishing For Treasures - September's theme is Trading Places with the @fanficocean! That means that, for this month only, you will send your SPN fic recs to the Ocean, and all of your non-SPN fics to us! Click here for all the details!

SPN Rewatch: FanFic Edition - Because of scheduling issues, the next chat is later today! Can y'all believe we're at the end of season 2, already?? Click here for all the details, the time, and the questions we'll be asking ourselves!

(Divider by @glygriffe!)

That’s all for this week! To see all Pond events, and also other SPN-related things like conventions and online concerts, check out our Google calendar! Click here for a static view in Eastern US/Canada time (desktop only, no mobile app access, sadly), and click here to add our calendar to your own Google calendar! We try to keep it as up-to-date as possible. If there’s something you want to see on the calendar that’s not there (maybe a convention we missed, cast birthdays, or something similar), send us an ASK and let us know!

Hope you have a great week! - From your Admins and Manta Rays, @manawhaat, @mrswhozeewhatsis, @mariekoukie6661, @thoughtslikeaminefield, @heavenssexiestangel, and @spn-fanfic-reblog-writes!

[usagi-zakura]

Feeling old when I'm reading the Pokémon Scarlet and Violet subreddits and seeing people reacting with joy about the GTS being "added" as if it was such a huge improvement to the series in recent years...

Then me sitting here remembering when it was added... in Generation IV on the DS and you didn't need a secondary app and a secondary device to access it...it was right there, in the game itself.

Putting it on exclusively on Home, and only the mobile app at that, was a downgrade in every possible way...

If I wanted a certain version exclusive or another mon in Platinum I could just walk on over to the GTS in-game, upload a reasonable offer, and it usually got traded real quick... it got even easier in gen V and up as you didn't even need to go to a specific location, the GTS was on your main menu screen:

Then in Sun and Moon you did have to go to a specific location once more but you could easily go back and forth to that place from anywhere... honestly I think X and Y nailed the whole online system and it went downhill from there...

Now... If I wanna use the GTS I gotta turn off my game, go to Pokémon Home and upload my mon there, put my Switch aside and go to my phone, log into Home on the phone and THEN I can do the trade...and reverse that process to get it back to my game.

How is this an improvement?

[exitrowiron]

Investing 101

Part 2 of ?

In my last post I explained what stocks are, why companies might want to issue shares and some of the types of stocks. I also explained dividends and why some stocks are called Growth and others called Value stocks. The next logical question is, "How do I buy stocks?"

For most beginning investors, their 401K or IRA is their first opportunity to purchase stock. My recommendation to my kids (which I followed myself) is to set your 401K withholding at least high enough to earn the maximum employer match. Most employers will match a fixed percentage of an employee's 401K withholdings up to a maximum amount. Not withholding at least enough to get the maximum employer match is like taking a salary cut. This is 'free money' from your employer but only you save enough to take advantage of it. 401K plans are almost always administered by a large brokerage firm and through that firm participants are offered a variety of investment options, some more limited than others. I will talk a bit more about the various investments options later.

If you're already investing in your 401K and you still have after-tax funds you'd like to invest (in stocks or other investments), there are a few options.

The simplest, lowest cost option is a direct stock purchase plan (DSPP) which enables individual investors to purchase stock directly from the issuing company without a broker. I've never done this, but it's possible and if you're a big fan of a company and want to be a long term investor, you may want to consider it.

The more common approach is to open an account with a Broker. From Investopedia, "Brokerage firms are licensed to act as a middleman who connects buyers and sellers to complete a transaction for stock shares, bonds, options, and other financial instruments. Brokers are compensated in commissions or fees that are charged once the transaction has been completed." When you open an account with a broker, they take care of all trading paperwork and send you investment reports and tax forms.

ETrade and RobinHood are examples of Discount Brokers (low cost, self-service). They execute your trades (buying and selling) for very low fees and include online resources for the investor to research investments. It is easy to set an up account online and start trading using their mobile apps.

Full Service Brokers like Morgan Stanley, Ameriprise, Edward Jones, etc. operate on the other end of the spectrum. These firms execute trades like the self-service brokers but their account relationships include the services of a Financial Advisor. Ostensibly, the Financial Advisor is periodically meeting with you to review your portfolio, rebalancing your investments to ensure continued alignment with your goals and risk tolerance and recommending investments to buy and sell. Financial advisors generally charge an annual fee of 1% or more of the value of your portfolio. These brokerage firms also have online investment research materials, but the idea is that the Financial Advisor is actively helping you steer the ship.

Alternatively, you can consult a Certified Financial Planner (CFP). These individuals can help manage your broader financial life (including investments, budgeting, insurance needs assessment, estate planning), though CFPs generally aren't brokers (i.e. they don't execute stock trades). Rather than charging a percentage of your portfolio as a fee, CFPs generally have a fixed hourly rate. That hourly rate might seem steep, but it is almost always less than the fee of a full service broker/Financial Advisor.

Assuming you're already investing enough in your 401K to get your employer match, which investing/broker relationship should you pursue? Because full service Financial Advisor fees are a % of your portfolio, these advisors tend to pursue relationships with wealthier clients. If you don't have a large portfolio, it can be difficult get the time/attention of a full service broker. (True story, 30 years ago a friend who was also our financial advisor fired Beth and I as clients when his firm raised its minimum portfolio threshold to exclusively service wealthy clients. I'd like to think he regrets that decision now.) A caveat to this is if your parents have an established relationship with a broker/advisor - then that advisor may be more enthusiastic about managing the adult child's portfolio. (Yes, this is an example of white privilege.)

If you're just starting out (ex <$100K portfolio), I think engaging a fee-based CFP 2-3x a year and opening a Discount Brokerage account is the way to go.

I know several investors with large portfolios who also prefer the Discount Broker strategy, however, because they loathe the idea of paying 1% of their portfolio every year to a financial advisor. There is plenty of research supporting this strategy for large portfolios... after all 1% every year really adds up. Over 20-30 years the 1% annual fee can be very expensive. Despite this, Beth and I have always used a Full Service Advisor.

Beth and I are both CPAs and financially literate, why would we pay the higher fees for a Full Service Advisor? We pay an advisor so we can sleep at night. When I was still working I checked my portfolio balance no more than once or twice a month. I check it more often now, but that's mostly because I simply have more free time. I've never spent any mental energy trying to research good investments. Most importantly, I've never had any emotional attachment to an investment. Every quarter or so we will meet with our advisor and he recommends investments we should sell, either because they haven't performed well or sometimes because they have performed well and have 'topped out'. I never feel any guilt or blame for investments that haven't done well because I didn't originate the investment idea when we bought it. I don't feel tempted to hang on to the investment in hopes that it will rebound and I will be proven right. I can be completely objective and devoid of emotion. And that's one of the reasons I've never lost any sleep over our investments.

Next installment - what to buy.