#planning process of mutual funds

[investmoneyhub]

https://investmoneyhub.com/the-ultimate-guide-to-mutual-fund-investment-everything-you-need-to-know/

Mutual funds are investment products available to investors through which they can invest in an asset class of their choice such as equity, debt, gold or real estate. Investors who may not want to invest directly in financial markets may instead get exposure to the same securities through a mutual fund.Similarly, investors can diversify their portfolio holdings even with small amounts, by investing in gold and real estate through mutual funds. There are multiple entities involved in the activities of a mutual fund business. All these entities are regulated by SEBI for their eligibility in terms of experience and financial soundness, range of responsibilities and accountability.

How mutual funds operate?

The mutual fund appoints trustees to take care of various rights of investor when launching various schemes. Mutual fund appoints an asset management company (AMC) to manage the activities related to launching a scheme, marketing it, collecting funds, investing the funds according to the scheme’s investment objectives and enabling investor transactions.

New Fund offer (NFO)

The mutual fund invites subscription from investors by issuing an offer document that gives all details of the proposed fund, including its investment objective, investment pattern in different asset classes to reflect the objective, the strategy of the fund manager to manage the fund, the costs and fees associated with managing the fund and all other information prescribed by SEBI as essential for an investor to make an investment decision. This is the New Fund Offer (NFO) of the scheme.

The investor will assess the suitability of the fund for their investment needs and make an investment decision. The application form along with the abridged offer document called the Key Information Memorandum (KIM) is available with the AMC, investor service centres and other distribution points, the details of which are available in the KIM. The activities related to maintaining investor records and investment details and communicating with the investors is done by the R&T agent of the scheme.

Investment objective

An investor should decide to invest in a mutual fund scheme after following the suitability of the scheme to their needs. A investment objective defines the scheme of mutual fund. The investment objective states what the scheme intends to achieve. The asset class that the fund will invest in, the type of securities that will be selected and the way the fund will be managed will depend upon the investment objective.

What are the units of mutual fund?

Just as the number of shares of company represents the investors’ investment, or number of bonds or debentures represent investments in debt, units represent each investor’s investments in that mutual fund derived from the amount invested. Each unit represents one share of the fund. For example, A & B invests in SBI Equity fund when the price of each unit is Rs.10. A invests Rs.5,000 and B Rs.10,000. The number of units allotted is calculated as amount invested/price per units. A : Rs.5,000/Rs.10 = 500 units B : Rs.10,000/Rs.10= 1000 units. Through a new fund offer (NFO) investor gets offer of units. Subsequently, depending upon the structure of the scheme, the fund may or may not issue fresh units to investors.

Net assets

The assets of a mutual fund scheme are the current value of the portfolio of securities held by it. There may be some current assets such as cash and receivables. Together they form the total assets of the scheme. From this, the fees and expenses related to managing the fund such as fund manager’s fees, charges paid to constituents, regulatory expenses on advertisements and such are deducted to arrive at the net assets of the scheme.

Net assets of the scheme will go down if investors take out their investments from the scheme by redeeming their units or if the securities held in the portfolio fall in value or when expenses related to the scheme are accounted for. The net assets of the scheme are therefore not a fixed value but keep changing with a change in any of the above factors.

Net asset value (NAV)

The net asset per unit of a scheme is Net assets/Number of outstanding units of the scheme. This is the Net asset value (NAV). The NAV of the scheme will change with every change in the Net Assets of the scheme.

A redemption or additional investment will not directly affect the NAV since the transactions are conducted at the NAV.The time when a request for a purchase or redemption or switch of units is received by a mutual fund will determine when it is processed. This is a standard that is followed across all mutual funds so that there is equity and fairness in allocation and that no investors gets a preferential treatment over others. The NAV that will be applicable would thus be determined by the time when the request is received by the mutual fund.

The current value of the portfolio forms the base of the net assets of the scheme and therefore the NAV. It means that if the portfolio was to be liquidated, then this would be the value that would be realised and distributed to the investors. Therefore, the portfolio has to reflect the current market price of the securities held. This process of valuing the portfolio on a daily basis at current value is called marking to market.

Open- ended and Closed-end Schemes

Mutual fund schemes can be structured as open-ended or closed-end schemes. An open-ended scheme allows investors to invest in additional units and redeem investment continuously at current NAV. The scheme is for perpetuity unless the investors decide to wind up the scheme. The unit capital of the scheme is not fixed but changes with every investment or redemption made by investors.

A closed-end scheme is for a fixed period or tenor. It offers units to investors only during the new fund offer (NFO).The scheme is closed for transactions with investors after this. The units allotted are redeemed by the fund at the prevalent NAV when the term is over and the fund ceases to exist after this. In the interim, if investors want to exit their investment they can do so by selling the units to other investors on a stock exchange where they are mandatorily listed. The unit capital of a closed end fund does not change over the life of the scheme since transactions between investors on the stock exchange does not affect the fund.

Interval fund

It is a variant of closed end funds which become open-ended during specified periods. During these periods investors can purchase and redeem units like in an open-ended fund. The specified transaction periods are for a minimum period of two days and there must be a minimum gap of 15 days between two transaction periods. Like closed-ended funds, these funds have to be listed on a stock exchange

Exchange Traded Funds(ETF)

These are mutual funds that have the features of a mutual fund but can be traded. Like a stock they are listed on the stock exchange so they can be traded all day long. Beneath this feature is the fact that the ETF is a mutual fund that has its value derived from the value of the holdings in its portfolio. ETFs usually track some index when it comes to equity oriented funds while they can also track the price of a commodity like gold.Instead of a single NAV for a day that the investor gets in a normal open ended fund there are multiple prices they can get in an ETF. In an ETF it is actually investors trading with each other while in case of an open ended fund it is the investor on one side of the transaction and the mutual fund on the other side.

Regulator

The Securities and Exchange Board of India (SEBI) is the primary regulator of mutual funds in India. SEBI’s Regulations called the SEBI (Mutual Funds) Regulations, 1996, along with amendments made from time to time, govern the setting up a mutual fund and its structure, launching a scheme, creating and managing the portfolio, investor protection, investor services and roles and responsibilities of the constituents. Apart from SEBI, other regulators such as the RBI are also involved for specific areas which involve foreign exchange transactions such as investments in international markets and investments by foreign nationals and the role of the banking system in the mutual funds industry in India.

Association of Mutual Funds in India (AMFI) is the industry body that oversees the functioning of the industry and recommends best practices to be followed by the industry members. SEBI has defined the process of categorizing open-end mutual fund products broadly as equity schemes, debt schemes, hybrid schemes, solution oriented schemes and other schemes.

Open-ended schemes are classified based on the asset class/sub-asset class, the strategy adopted to select and manage the schemes or the solutions offered by the scheme. Only one scheme per category is permitted for each mutual fund. The exceptions are Index funds and Exchange Traded Funds (ETF) tracking different indices, Fund of Funds with different underlying schemes and sectoral/thematic funds investing in different sectors or themes.

Equity Funds

Equity funds invest in a portfolio of equity shares and equity related instruments. Since the portfolio comprises of the equity instruments, the risk and return from the scheme will be similar to directly investing in equity markets. Equity funds can be further categorized on the basis of the strategy adopted by the fund managers to manage the fund.

a) Passive & Active Funds

Passive funds invest the money in the companies represented in an index such as Nifty or Sensex in the same proportion as the company’s representation in the index. There is no selection of securities or investment decisions taken by the fund manager as to when to invest or how much to invest in each security. Active funds select stocks for the portfolio based on a strategy that is intended to generate higher return than the index. Active funds can be further categorized based on the way the securities for the portfolio are selected.

b) Diversified Equity funds

Diversified equity funds invest across segments, sectors and sizes of companies. Since the portfolio takes exposure to different stocks across sectors and market segments, there is a lower risk in such funds of poor performance of few stocks or sectors. Some equity diversified funds can also be closed ended schemes which are in operation for a specific time period. The assets are redeemed after the time period of the scheme is over and returned to the investors.

c) Based on market capitalisation

Equity funds may focus on a particular size of companies to benefit from the features of such companies. Equity stocks may be segmented based on market capitalization as large- cap, mid-cap and small-cap stocks. The open-end equity schemes (based on market capitalisation) are classified by SEBI as follows:

Large cap

Large cap funds invest in stocks of large, liquid blue-chip companies with stable performance and returns. Large-cap companies are those ranked 1 to 100th in terms of full market capitalization in the list of stocks prepared by AMFI. To be classified as a large cap fund, at least 80% of the total assets should be invested in such large cap companies.

Mid cap

Mid-cap funds invest in mid-cap companies that have the potential for faster growth and higher returns. These companies are more susceptible to economic downturns and therefore, evaluating and selecting the right companies becomes important. Funds that invest in such companies have a higher risk of the companies selected not being able to withstand the slowdown in revenues and profits.

Similarly, the price of the stocks also fall more when markets fall. Mid-cap companies are those ranked 101st to 250th in terms of full market capitalization in the list of stocks prepared by AMFI. To classify as a mid-cap fund, at least 65% of the total assets should be invested in such companies. Large and Mid-cap funds invest in equity-related securities of a combination of large and mid-cap companies. To be classified as a large and mid-cap fund, a minimum of 35% of the total assets should be invested in large cap companies and a minimum of 35% in mid-cap companies.

Small cap

Small-cap funds invest in companies with small market capitalisation with intent of benefitting from the higher gains in the price of stocks. The risks are also higher. Companies ranked from 251 onwards in terms of total market capitalization in the list of stocks prepared by AMFI are defined as small-cap companies. To be classified as a small cap fund, at least 65% of the total assets should be invested in such companies.

Multi cap

Multi cap funds invest across large, mid and small cap companies. Earlier to be classified as a multi cap fund at least 65% of the total assets should be invested in equity related instruments of such companies. At least 75% of the assets to be invested in equity related instruments with a minimum of 25 % in large caps, 25% in mid-caps and 25% in small caps. In Flexicap funds there is no minimum investment limits across market caps and the funds are free to invest according to their requirements. Overall at least 65% of the corpus has to be invested in equities.

d) Based on Sectors and Industries

Sector funds invest in companies that belong to a particular sector such as technology or banking. The risk is higher because of lesser diversification since such funds are concentrated in a particular sector. Sector performances tend to be cyclical and the return from investing in a sector is never the same across time. For example, Auto sector, does well, when the economy is doing well and more cars, trucks and bikes are bought. It does not do well, when demand goes down.

Banking sector does well, when interest rates are low in the market; they don’t do well when rates are high. Investments in sector funds have to be timed well.

Thanks for reading.

[magz]

Tattoos for Gaza: 100+ tattoo artists around the world will raise funds for Palestinians this weekend

Article date: May 2, 2024.

Article highlights:

Randa Jarrar and Ariana Bazlamit are Palestinian American activists living in the diaspora of their homeland. [...]

So, they started reaching out to their tattoo artist friends, and the Hibr project was born. Now, over 170 tattoo artists across the globe will be offering tattoos in support of Palestinians this weekend. [...]

The first organization they said they will be supporting is Ele Elna Elak, a student-led organization that was created in 2018 with the help of Gazan journalist Bisan Owda.

On a GoFundMe page, Ele Elna Elak said that its volunteers also raise funds to help families buy other staples like water, firewood, medicine, and clothes — all while trying to survive alongside their own families.

Bazlamit also said that funds from the Hibr project will be donated to mutual aid campaigns that support Gazans with aid or by paying evacuation fees. To expedite the process of fleeing the area, many families have created mutual aid funds or GoFundMe pages, which allow them to access donated funds more quickly than through the help of a registered nonprofit or NGO.

That being said, Bazlamit said that she and Jarrar will document every dollar raised and donated on their Instagram account to ensure transparency. The choice to donate to on-the-ground Palestinians comes after months of aid struggling to reach those who need it most.“It’s incredibly important to us that we instill confidence in our tattooers and clients alike. We have nothing to hide, so we plan to hide nothing,” Bazlamit said. “We are happy to share the receipts with the public, in hopes that we’re able to garner even more support for our people.”

The choice to donate to on-the-ground Palestinians comes after months of aid struggling to reach those who need it most. [...]

Originally, a single date — May 4 — had been set aside for the international fundraiser, but Jarrar and Bazlamit have now added two other specific dates for participating artists: June 1 and July 16.

Interested tattoo artists just have to submit a form to be part of the collective, which includes having their work shared on the Hibr Instagram account. (Continued in article)

[so-i-did-this-thing]

FLORIDA TRANS PALS, IT IS TIME TO PLAN

Especially if you are on HRT!

HB1421 is a bill that severely affects access to gender affirming care, including for adults. It outlines goals to:

1) Prohibit changing gender markers on birth certificates

2) Require that gender affirming care only come from physicians (not nurse practioners) who take on liability insurance for 30 YEARS after they provide care to a patient

3) Require informed consent forms at every single appointment, including distributing literature to dissuade patients

4) Ban transition care completely for minors

5) Make it so providers who accept state funds cannot provide gender affirming services (this is the big one that stands to affect anyone who takes medicare/aid, is a university, etc.).

6) Make it so providers who accept state funds cannot reimburse for gender affirming services.

We are facing a return to the Harry Benjamin days, or worse, an effective ban unless you are fortunate/wealthy enough to find a willing provider.

If it passes, this bill would take effect July 1, 2023. That is not a lot of time.

I would not count on any Rx or refill request to be honored after this date if the prescribing and dispensing sources no longer are allowed to grant care or decide to drop care because of the penalties.

July 1, 2023. Unless we hear otherwise, that is your clock.

This sucks, but there is comfort in seeing a clear date to plan around and the worst case is no longer completely unknown. It begins July 1.

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YOUR HOMEWORK, DUE ASAP:

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1) Get any and all your HRT appointments in now, including picking up your meds and doing bloodwork promptly.

2) If you think you will be living in FL come July, start looking now for providers where physicians - not NPs - provide the care. Get an appointment on the books for July. Be prepared to go in person for everything after July 1, because I believe telemed will also be shit-canned. Here is a map of informed consent providers.

3) If you are an old like me, also dig up your HRT permission slip from your therapist. Fuck, make a packet of all your transition documents, including Rx history.

4) If you are on private insurance, start budgeting now to prepare to pay out of pocket.

5) Create a simple spreadsheet of all your HRT dates (pls forgive, my experience is with shots on a 2 week cycle, so this is pretty easy for me to do) and plan out how long your current supply will last. Then, forecast how long all your upcoming refills before July 1 will last. Update it every time you pick up and take your meds. Refer to it for decisions like moving or finding backup providers.

6) Subscribe to the bill to get notified of changes asap

7) Follow this site to keep tabs on other very scary bills happening in Florida, including a bathroom ban and a child custody bill that is effectively kidnapping

8) If you need to change your birth certificate, do it now, pay the rush fees and write RUSH on the envelope. The Department of Health has the most up-to-date forms. Processing time for rush I last saw was around 18 business days.

9) Now that your own oxygen mask is on, so they say, boost mutual aid and recruit allies to assist in any way possible.

-----

Do try to continue seeing your current provider as long as possible, as they likely will need your support. Talk to them frankly about their plans if the bill passes.

Now. I am just a little guy and not a legal expert, but the aggressive enactment date on this bill makes me feel like everyone should plan now instead of waiting to see if it passes.

Be safe, plan, and then get a little rest. Do not lose hope - this bill could still fail.

[argyrocratie]

"How will people get healthcare?

(...)

During the Spanish Civil War, Barcelona’s Medical Syndicate, organized largely by anarchists, managed 18 hospitals (6 of which it had created), 17 sanatoria, 22 clinics, 6 psychiatric establishments, 3 nurseries, and one maternity hospital. Outpatient departments were set up in all the principal localities in Catalunya. Upon receiving a request, the Syndicate sent doctors to places in need. The doctor would have to give good reason for refusing the post, “for it was considered that medicine was at the service of the community, and not the other way round.”[40] Funds for outpatient clinics came from contributions from local municipalities. The anarchist Health Workers’ Union included 8,000 health workers, 1,020 of them doctors, and also 3,206 nurses, 133 dentists, 330 midwives, and 153 herbalists. The Union operated 36 health centers distributed throughout Catalunya to provide healthcare to everyone in the entire region. There was a central syndicate in each of nine zones, and in Barcelona a Control Committee composed of one delegate from each section met once a week to deal with common problems and implement a common plan. Every department was autonomous in its own sphere, but not isolated, as they supported one another. Beyond Catalunya, healthcare was provided for free in agrarian collectives throughout Aragon and the Levant.

Even in the nascent anarchist movement in the US today, anarchists are taking steps to learn about and provide healthcare. In some communities anarchists are learning alternative medicine and providing it for their communities. And at major protests, given the likelihood of police violence, anarchists organize networks of volunteer medics who set up first aid stations and organize roving medics to provide first aid for thousands of demonstrators. These medics, often self-trained, treat injuries from pepper spray, tear gas, clubs, tasers, rubber bullets, police horses, and more, as well as shock and trauma. The Boston Area Liberation Medic Squad (BALM Squad) is an example of a medic group that organizes on a permanent basis. Formed in 2001, they travel to major protests in other cities as well, and hold trainings for emergency first aid. They run a website, share information, and link to other initiatives, such as the Common Ground clinic described below. They are non-hierarchical and use consensus decision-making, as does the Bay Area Radical Health Collective, a similar group on the West Coast.

Between protests, a number of radical feminist groups throughout the US and Canada have formed Women’s Health Collectives, to address the needs of women. Some of these collectives teach female anatomy in empowering, positive ways, showing women how to give themselves gynecological exams, how to experience menstruation comfortably, and how to practice safe methods of birth control. The patriarchal Western medical establishment is generally ignorant of women’s health to the point of being degrading and harmful. An anti-establishment, do-it-yourself approach allows marginalized people to subvert a neglectful system by organizing to meet their own needs.

After Hurricane Katrina devastated New Orleans, activist street medics joined a former Black Panther in setting up the Common Ground clinic in one of the neediest neighborhoods. They were soon assisted by hundreds of anarchists and other volunteers from across the country, mostly without experience. Funded by donations and run by volunteers, the Common Ground clinic provided treatment to tens of thousands of people.

The failure of the government’s “Emergency Management” experts during the crisis is widely recognized. But Common Ground was so well organized it also out-performed the Red Cross, despite the latter having a great deal more experience and resources.[41] In the process, they popularized the concept of mutual aid and made plain the failure of the government. At the time of this writing Common Ground has 40 full-time organizers and is pursuing health in a much broader sense, also making community gardens and fighting for housing rights so that those evicted by the storm will not be prevented from coming home by the gentrification plans of the government. They have helped gut and rebuild many houses in the poorest neighborhoods, which authorities wanted to bulldoze in order to win more living space for rich white people."

-Peter Gelderloos, "Anarchy Works" (2010)

[transfloridaresources]

Palestine Global Strike Jan 21-28, 2024

Infographics / toolkit created by queerandtranswealth and the_operating_system on IG.

[Photo ID: Blue to yellow gradient background. A photo of Bisan in a Press vest smiling at the camera while standing outside in the daylight. Text reads: 'Bisan called for a global strike next week from January 21-28. @ queerandtranswealth.' /End ID]

[Photo ID: Blue to yellow gradient background. Text reads: 'What is a general strike? A general strike is a stoppage of work and economic activity across all industries to force leaders to change their actions. Bisan called for a global general strike from January 21 to 28. The purpose of the strike is to disrupt economic systems supporting the ongoing genocide of Palestinians in Gaza. Bisan wrote in a post yesterday, "Strike as much as you can and protest...for a whole week or until this madness ends!" @ queerandtranswealth' /End ID]

[Photo ID: Blue to yellow gradient background. Text reads: 'Are general strikes in the United States protected by the National Labor Relations Board? No, they are not. The National Labor Relations Board (NLRB) protects the rights of employees to engage in "concerted activity," which is when two or more employees take action for their mutual aid or protection regarding terms and conditions of employment (NLRB.gov). If your workplace or union does not support the general strike, your employer may discharge, discipline, or threaten you for participating. @ queerandtranswealth.' /End ID]

[Photo ID: Blue to yellow gradient background. Text reads: 'You have the privilege (underlined) to strike if you have: A workplace that supports the global strike for Palestinian people. A union that is organizing a general strike in solidarity with Palestinian people. Unused sick days or PTO. A fully funded emergency savings fund to use in case you get fired, disciplined, or threatened. Your own business or private practice. Here are other ways you can support the global strike. @ queerandtranswealth.' /End ID]

[Photo ID: Dark background with text in colors of pink, yellow, white, red, and light blue. Text reads: 'The many meanings of "shut it down" - how many can you commit to tomorrow? This brief toolkit offers ways to STRIKE if you can't physically be at an action: With your money (boycott / divest / support). With your attention (read / watch / listen). With your platform (share / archive). With your voice as a voter (write / call / fax). With your personal networks (gather / build). With your calendar (plan / commit). With your bodymind (wrestle / strategize).' /End ID]

[Photo ID: Dark background with text in colors of pink, yellow, white, red, and light blue. Text reads: 'An access oriented strike framework: As we call for a GENERAL STRIKE, how can we do so sensitively to the ways that certain forms of resistance are a privilege? And create inroads for those for whom a work stoppage or arrest involves risks such as homelessness or deportation. So too must we name the inherent ableism in valuing physical presence most highly, and leave room for that for whom violence is a palpable threat. If physically "striking" isn't accessible, this guide invites you to consider how a strike day can be a call to COMMITMENT - to holding yourself accountable for changing where your attention and resources go.' /End ID]

[Photo ID: Dark background with text in colors of pink, yellow, white, and light blue. Text reads: 'Strike with your money. Commit to boycotting + spreading awareness about BDS / consumption. Commit to moving your money out of corporate banks and harmful investments. Be concrete: start the process of setting up new accounts. Put a list of brands to avoid on your phone or in your wallet. Demand accountability and transparency at business + schools.' /End ID]

[Photo ID: Dark background with text in colors of pink, yellow, white, and light blue. Text reads: 'Strike with your calendar. Commit to weekly and monthly blocks of time, either on your own or with others. We owe Palestine, and each other, endurance -- this work is the work of our lives. It deserves our dedicated time. Identify and plan on upcoming events to attend, online or off. Make a list, a note on your phone, a story highlight, a saved post folder on your phone of organizations and people whose work you want to follow. Recognize the value of this feeling manageable. Be strategic. Samidoun has a great events calendar!' /End ID]

[Photo ID: Dark background with text in colors of pink, yellow, white, and light blue. Text reads: 'Strike with your platform. Commit to the global call to visibly stand in solidarity with Gaza + Palestine, for ceasefire, and against genocide: Film a 10 second selfie video. Say "My name is (first name only), I am from (country) and "I stand with Palestine." Send your clip by email to palestine@gazanewslive.com and upload it to your personal platform with the hashtag #IStandWithPalestine. Commit to fighting the algorithm by sharing and archiving counternarratives.' /End ID]

[Photo ID: Dark background with text in colors of pink, yellow, white, and light blue. Text reads: 'Strike with your attention. Commit to re/orienting your time on this day away from passive consumption of media and leisure activities, towards educating yourself, getting involved in virtual actions, contacting your reps, etc. Quiet strike re/orient "workday" hours. Watch / listen / read: Today, dedicate blocks of time to strategically informing yourself, with film, audio, articles, or other media. Share what you've learned.' /End ID]

[staccato-fever]

How This Central African City Became the World’s Most Expensive

S & M GOALS TEAMPLATE

Stretch Goals: Central African Republic Ranks Top 8 in FIFA World Rankings for Men's and Top 5 for Futsal

Micro Goals: All Time Laureus World Sports Awards Winner for Africans, Laureus Team Award, All Time African Footballer of the Year, AFCON Host Nation Champion*, African Transfer Record*,  Insead and WSJ Conferences*, Jeune Afrique Cover*, Verified LinkedIn Member*, and Agriculture Startup Reality TV

CAPÔI HABITANT CURRENCY MODEL

Pigou Effect, Corporate Tax Havens, Capital Gains Tax Havens, Private-Public Sectors, Joint Venture Plantations, Market Extension Mergers, with Business Incubators, and Enterprise Foundation, Holding Company, Subsidiaries, and Horizontal Integration for Monopoly.

A currency union (also known as monetary union) is an intergovernmental agreement that involves two or more states sharing the same currency. These states may not necessarily have any further integration (such as an economic and monetary union, which would have, in addition, a customs union and a single market). [Pigou Effect Currency (Short FX), Currency Board Currency (Retirement Fixed Exchange Rate), Market Currency (FX Long Currency)]

Gross national product (GNP) GNP is related to another important economic measure called gross domestic product (GDP), which takes into account all output produced within a country's borders regardless of who owns the means of production. GNP starts with GDP, adds residents' investment income from overseas investments, and subtracts foreign residents' investment income earned within a country. Whilst GDP measures the total value of goods and services produced within a country's borders, GNP focuses on the income generated by its residents, regardless of their location.

Gross National Income (GNI) is the total amount of money earned by a nation's people and businesses. It is used to measure and track a nation's wealth from year to year. The number includes the nation's gross domestic product (GDP) plus the income it receives from overseas sources.

Agriculture Central Hedge Fund, Mining Unions: Peninsula Agronomique Engineering, Commodities Options Exchange (Credit Spread Options, Farm REITs, Crop Production; Fertelizers and Seeds; Equipment; Distribution and Processing Stocks, Ag ETFs and ETNs, Ag Mutual Funds), Tableau Économiques, Investments Farms REITs, Art Financing Mardi Gras

Index Franc: Tobacco-Tobacco Soil Index/Franc Tabac Currency Pair (TBS/TAF)

The overlapping generations (OLG) model; consumption-based capital asset pricing model (CCAPM); Endogenous growth theory; Material balance planning; Leontief paradox; Malinvestment; Helicopter money; Modern monetary theory

Mercantilism Spectrum of CDF/CFA

CDF Raw Materials and CFA Products. (Prices); CDF Holding Company and CFA Conglomerate Company. (Equity and Dividend Yield); CDF is Gold Standard and CFA is Helicopter Money. (FX Rate/Hedging); CDF Helicopter Money [Supplier Currency] and CFA as Purchasing Power [Consumer Currency] (Currency Union & Currency Board and Negative Interest Rates); CDF is Congolese Franc and CFA is Central African Franc

DOS SANTOS FREE-ROLE

Supporting Striker (Inverted Winger)

Central Winger (False 10)

Overlapping Run/Defensive Winger (Half-winger)

An inverted winger is a modern tactical development of the traditional winger position. Most wingers are assigned to either side of the field based on their footedness, with right-footed players on the right and left-footed players on the left.[65] This assumes that assigning a player to their natural side ensures a more powerful cross as well as greater ball protection along the touch-lines. However, when the position is inverted and a winger instead plays inside-out on the opposite flank (i.e., a right-footed player as a left inverted winger), they effectively become supporting strikers and primarily assume a role in the attack.[66]

The "false 10" or "central winger"[55] is a type of midfielder, which differs from the trequartista. Much like the "false 9", their specificity lies in the fact that, although they seemingly play as an attacking midfielder on paper, unlike a traditional playmaker who stays behind the striker in the centre of the pitch, the false 10's goal is to move out of position and drift wide when in possession of the ball to help both the wingers and fullbacks to overload the flanks. This means two problems for the opposing midfielders: either they let the false 10 drift wide, and their presence, along with both the winger and the fullback, creates a three-on-two player advantage out wide; or they follow the false 10, but leave space in the centre of the pitch for wingers or onrushing midfielders to exploit. False 10s are usually traditional wingers who are told to play in the centre of the pitch, and their natural way of playing makes them drift wide and look to provide deliveries into the box for teammates.

In Italian football, the term mezzala (literally "half-winger" in Italian) is used to describe the position of the one or two central midfielders who play on either side of a holding midfielder and/or playmaker. The term was initially applied to the role of an inside forward in the WM and Metodo formations in Italian, but later described a specific type of central midfielder. The mezzala is often a quick and hard-working attack-minded midfielder, with good skills and noted offensive capabilities, as well as a tendency to make overlapping attacking runs, but also a player who participates in the defensive aspect of the game, and who can give width to a team by drifting out wide; as such, the term can be applied to several different roles.

On occasion, the false-10 can also function in a different manner alongside a false-9, usually in a 4–6–0 formation. Midfield collective of False 9, False 10, Box to Box, Holding, Half Winger, Attacking, Defensive. We are not stretching the defensive line itsself, but the space between the defensive line and the goalkeeper.

Thiago Motta’s ‘Super Offensive’ 2-7-2 Formation Explained: Instead of the traditional way of looking at a tactical set-up horizontally, the Brazil-born manager instead split the field into three vertical lanes. This means he effectively has seven players in the central channel with two players out wide on each flank.

Adjust Free Role System to The Scoreboard.

The Central African Games was an international multi-sport event for countries within Central Africa. (Boxing, Athletics, Tennis, Football, Rallycross, Olympic Weightlifting, Volleyball, Trap Shooting, Basketball)

The Central African Football Federations' Union, officially abbreviated as UNIFFAC[a], is a sports governing body representing the football associations of Central Africa.

RUSSE NOIR FOOTBALL

VEDETTE: 3-4-1-2 has 4 Pivot Formations so 5 Total: Transition to a 4-4-2 Diamond, Transition to a 4-4-2, Transition to a 4-2-3-1, Transition to a 3-3-1-3

Positional Game is Diamonds Tic-Tac-Toe with Enforcer and Avoider. Striker [Enforcer](Inverted Winger and Centre Forward), Deep Lying Playmaker [Avoider] (Holding Midfielder and Inverted Winger), and Sweeper Wingback Deep Lying Playmaker [Avoider] (Centre Back). Use Playing Styles, Manipulated Positions, and Combinational Games for Positional Play as Johan Cruyff students.

Angolan 4-4-2 Diamond Tic Tac Toe Variant: 1-3-4-2; (1) Falar Pelos Cotovelos (Sweeper Deep-lying Playmaker Wingback) (4) Diamond Rover (Diamond Rotation from Midfield, Wings, and Defensive Third) Counterpressing Pivot Pressing Triggers, Sweeper-Winger Pivots, Overlapping Runs, W; I; M; V; Box Keeping Formation with 3 Centre-Backs) [Key Stats: Front Foot, Pressing Triggers, Clearance, Aerial Duel, Interceptions, Blocked Shots, Tackles, Final Ball, Key Dribbles, Overlapping Runs, Set Piece Taker] Spacing, Possession, Pass Completion, and Counter Pressing with Pursuit and Ambush Predation One Team Box Touches and Capture the Flag with Analytics-Geometry Total Football Trixie Bet on CNS Drugs (Xanax and Modafinil); 1-1-2-1 Diamond Rover Futsal Pivot Formation

Define a run in one of two ways: (i) as a set of consecutive goals scored by one team, without the other team scoring a goal; (ii) as a set of consecutive scoring events by one team, each event being either a goal or one or more Set Piece. Play aggressive and with counter pressing and run it up on the score board in the first half and after halftime play defense. You get a break at half and it's easier to win when someone plays defense and looks for opportunities instead of Attacking.

Posterior Chain Super Compensation and Speed-Endurance (Elastic-Connective Tissue) Force-Velocity Curve; Crescent Moon Horizontal Plane Vertical Force Sprinting Mechanics.

Set Piece Stylistic Biomechanics: Shooting Knee at Wall for Curve and Placement Knee for Corner. Follow through with Shot with proper Body Alignment

Knee to Feet or Shoulder to Feet Cradling for Touch/Entertainment

Placement Mechanics: Arch-Heel Linedrive and Arch-Knuckle Raised Curve

UEFA Front Office Curriculum

Museum d'histoire: Broken down into three major section — “A Lineage of Coaches Players and Places,” “Proving Grounds” and “Cultures of Basketball” — City/Game documents how basketball first found its origins in the neighborhoods of NYC and then went on to produce a roster of local legends who played everywhere from Rucker Park and the Cage on West 4th Street to Christ the King High School and St. John’s University.

Agility Ladder Eyes Pocket: Eyes Between Defenders Feet and Ball, Numbered Footwork V-Step (Shifting Defenders with Momentum) et L-Step (Explosive First Step), All moves should form a Triangle or an Incomplete Triangle (Coup de Pied)

*Push-Pull Sprint/Shooting Cycle: Pull Glutes et Hamstring; Push Calf et Quads for Sprints.

Sprint Size Up: A series of feint Karaoké dribble moves with Eye Tricks (Fake Pass) but Sprint Position Finish

Triangle Philosophy: All Dribbling Moves should form a Triangle or an Incomplete Triangle while using V-Step (Shifting Defenders with Momentum) et L-Step (Explosive First Step).

Thé Crescent: In Close Dribbling; Crescent Footwork with L Shapes (Paul Pogba)

On the Run Dribbling Moves: Letters and Shapes; Still Play 1 on 1: Numbered Footwork

Piedi Felici Courts: Drills Side/Box Play with 1 Net; Design Vaporwave Action Painting Angels; Knee for Direction and Sole Drags for Dribbling Touch and Crescent Moon Sprint Mechanics

Gambling Games: 5 Roll (Captain, Ship, Crew); Live-Pool Betting Monopoly

Stylistic Biomechanics: Dribbling Foot To Ball Contact (Balls of Feet and Arch of Feet); Knee for Direction; Foot Drags; & Hip Angle, Crescent Moon Running Mechanics, and Laces Kick.

Diamond Football (15 mins)

Set Up

-Lay out two overlapping sets of 4 flat markers in the positions shown above.

-Ask the players to stand on a flat marker for their teams colour (Red on Red, Yellow on Yellow).

Instruction

-Whenever the ball goes out for a kick in or for the defenders ball, the players must stand on their markers before play begins.

-As soon as the ball has been played in, players are free to move.

-Reset everytime the ball goes out.

Coaching Points, Progressions Ect.

-Ask players to shout out what each position on the park is to devlop understanding of their roles.

-If you decide to go to a normal game , leave the markers out for a visual aid for the players.

-If more than 8 players, Add in Goalkeepers who would then play the ball out to the DF,LM,RM.

-Rotate Positions, Ask Players to stand on a marker they haven't been on before

RUSSE NOIR ACCENT

Lingua Franca of Renaissance Latin (Vocabulary) and Atlantic–Congo Fon (Grammar).

Volta–Congo is a major branch of the Atlantic–Congo family. Fon (fɔ̀ngbè, pronounced [fɔ̃̀ɡ͡bē][2]) also known as Dahomean is the language of the Fon people. It belongs to the Gbe group within the larger Atlantic–Congo family.

In linguistic typology, subject–verb–object (SVO) is a sentence structure where the subject comes first, the verb second, and the object third.

Haitian Creole (/ˈheɪʃən ˈkriːoʊl/; Haitian Creole: kreyòl ayisyen, [kɣejɔl ajisjɛ̃];[6][7] French: créole haïtien, [kʁe.ɔl a.i.sjɛ̃]), or simply Creole (Haitian Creole: kreyòl), is a French-based creole language spoken by 10 to 12 million people worldwide, and is one of the two official languages of Haiti (the other being French), where it is the native language of the vast majority of the population. The language emerged from contact between French settlers and enslaved Africans during the Atlantic slave trade in the French colony of Saint-Domingue (now Haiti) in the 17th and 18th centuries. Although its vocabulary largely derives from 18th-century French, its grammar is that of a West African Volta-Congo language branch, particularly the Fongbe and Igbo languages.

Prose Accent Congo and Modern Accent Congo.

Full Lips Endings with Vertical Narrow Mouth and Soft Rs.

A noun phrase – or NP or nominal (phrase) – is a phrase that usually has a noun or pronoun as its head, and has the same grammatical functions as a noun.

BELMÔNT'S SIN INDEX FUND PORTFOLIO 

Sin stock sectors usually include alcohol, tobacco, gambling, sex-related industries (Cabaret and Burlesque), and weapons manufacturers.

Diageo 

Phillip Morris

Sports Betting Investment Trust

Pharmaceuticals

Business Clusters with Scrum Management and Accelerators to produce Festivals.

Example: Create a Index Fund Portfolio of 15-20 Stocks and using Supply Side Economics to create Decentralized Gambling Economy.

BELMÔNT'S DECENTRALIZED GAMBLING ECONOMY

Corporate-Capital Gains Tax Haven

High Stakes Minimum Buy In

Card Gambling (Signal and President): Top 2 highest bids fight for the Coup d'état and the other two are lesser men, the lesser men are subordinates that aid in playing cards for the warlord, the winning team splits the money, the warlords switches based on the 13 cards dealt and bets placed, the first team to shed all of their cards win.

Domestic Gambling: Boxing

Retirement Gambling: Boat Racing

Residency Program for Tax Benefits

BELMÔNT'S TURF ACCOUNTING MODEL

+EV

Python Programming Gaussian Distribution

Exotic Options Trading Live Betting

Parlays Minimum for Round Robins

Daily Fantasy Sports Rakes

RUSSE NOIR PALACE

Definitions of ballroom. noun. large room used mainly for dancing. synonyms: dance hall, dance palace**. types: disco, discotheque.

Go Go Music Influenced, Eurphoric Trance Chord Progression Melody, Progressive House and Drum n' Bass Percussion-808 Call and Response Staccato Polyrhythm or Layered Kick and Punch 808.

In his 1972 study of French lute music, scholar Wallace Rave compiled a list of features he believed to be characteristic of style brisé. Rave's list included the following: the avoidance of textural pattern and regularity in part writing; arpeggiated chord textures with irregular distribution of individual notes of the chord; ambiguous melodic lines; rhythmic displacement of notes within a melodic line; octave changes within melodic line; irregular phrase lengths.

Have the Snare and Kick say, "Hi, How are you?" And the 808 say, "I am good thanks for asking.”

Use progressive House to push the Drums Conversation to either Fast and Punchy for Happy or Slow and Deep for Sad.

In technical terms, "go-go's essential beat is characterized by a five through four syncopated rhythm that is underscored prominently by the bass drum and snare drum, and the hi-hat... [and] is ornamented by the other percussion instruments, especially by the conga drums, rototoms, and hand-held cowbells."[5]

Polyrhythm: In music, a cross-beat or cross-rhythm is a specific form of polyrhythm. The term cross rhythm was introduced in 1934 by the musicologist Arthur Morris Jones (1889–1980). It refers to a situation where the rhythmic conflict found in polyrhythms is the basis of an entire musical piece.[1]

Four-on-the-floor (or four-to-the-floor) is a rhythm used primarily in dance genres such as disco and electronic dance music. It is a steady, uniformly accented beat in 4. 4 time in which the bass drum is hit on every beat (1, 2, 3, 4).[1] This was popularized in the disco music of the 1970s[2] and the term four-on-the-floor was widely used in that era, since the beat was played with the pedal-operated, drum-kit bass drum.[3][4] (Punch 808-Kick)

Polyrhythm 4 on the Floor examples 2:4 or 5:4

Hard trance is often characterized by strong, hard (or even downpitch) kicks, fully resonant basses and an increased amount of reverberation applied to the main beat. Melodies vary from 140 to 180 BPMs and it can feature plain instrumental sound in early compositions, with the latter ones tending to implement side-chaining techniques of progressive on digital synthesizers.

Singles Only Email Raves Blogger then Multi Market Distribution Deal: A distribution deal is a contract to release the music to platforms, but not own the publishing or exclusively lock the artist in. Record Artist Producer Label: Have Polyrhythm Artist earn Streaming Percentage under a Recording Artist Deal. Label has Distribution Above Me and I have Manufacturing over Polyrhythm Artist. Have a end of the Year Album for New Year's Raves!

BELMÔNT'S SYSTEM: CAPÔI RETAINER AGREEMENT WITH ASSET PROTECTION TRUST

Capo: Describes a ranking made member of a family who leads a crew of soldiers. A capo is similar to a military captain who commands soldiers. Soldier: Also known as a “made man,” soldiers are the lowest members of the crime family but still command respect in the organization.

A capo is a "made member" of an Italian crime family who heads a regime or "crew" of soldiers and has major status and influence in the organization.

Consigliere: Defense and Corporate Lawyers

Head Boss: Ministry of Medicine

Underboss: Pharmaceutical Industry

Capo: CAPÔI RETAINER AGREEMENT

Soliders: Artisans

Commercialism is the application of both manufacturing and consumption towards personal usage, or the practices, methods, aims, and distribution of products in a free market geared toward generating a profit.

Commercial art is art created for advertising or marketing purposes. Commercial artists are hired by clients to create images and logos that sell products. Unlike works of fine art that convey an artist's personal expression, commercial art must address the client's goals.

The word 'Commercial' is defined as follows: Concerned with or engaged in commerce. Commerce is the exchange of goods or services among two or more parties.

Craftsmen are committed to the medium, not to self-expression. Artists are committed to their self-expression, not the medium.

A medium of exchange is an intermediary instrument and system used to facilitate the purchase and sale of goods and services between parties.

Stretch and Micro Goals

Music Medium System: Distribution and Retailers Contract Theory (System) for Music (Instrument)

Football Medium System: Analytics and Geometry for Free Role (System) Trixies (Instrument)

Age 16-19

Bond Funds

Farmland REITS

CFDS

Real Estate Brokerage Trust Account

Age 20-30

Farmland Recession Proof Stocks (Cosmetics, AgTech, Ag ETFS, AgETN)

Incubator and Startup Accelerators

Real Estate Joint Ventures

Age 30-40

Farmland Blue Chip Indexes w/ Credit Spread Options

CURRENCY, OIL, & GOLD COMMODITIES CANDLESTICK CHARTS

Swing Trading: Use mt4/mt5 With Heiken Ashi Charts, Setting at 14 or 21 Momentum Indicator above 0 as Divergence Oscillator and Volume Spread Analysis as Reversal Oscillator and Trade when bullish candlesticks above 200 exponential moving average and/or 20 exponential moving average (EMA) on H1 (Hourly) Time Frame; use H4 (4 Hours) and D1 (1 Day) as reference.

TUNNEL STRATEGY (OFFSHORE BANKING)

Purpose: Permanent Residency Card

$250k Deposit

$125k: 60/40 portfolio, 60% Fixed Income & REITs and 40% Blue Chip Stocks

$50k: Guaranteed Investment Certificates (GICs) and term deposits are secured investments. This means that you get back the amount you invest at the end of your term. The key difference between a GIC and a term deposit is the length of the term. Term deposits generally have shorter terms than GICs.

$75k: Spending Cash

SIN STOCKS PORTFOLIO

Sin stock sectors usually include alcohol, tobacco, gambling, sex-related industries, and weapons manufacturers.

Sports Betting Investment Trust

Pharmaceuticals

Example: Create a Index Fund Portfolio of 15-20 Stocks and using Supply Side Economics to create Decentralized Gambling Economy.

FESTIVALS DEAL

Singles Only Email Raves Blogger then Multi Market Distribution Deal: A distribution deal is a contract to release the music to platforms, but not own the publishing or exclusively lock the artist in. Record Artist Producer Label: Have Polyrhythm Artist earn Streaming Percentage under a Recording Artist Deal. Label has Distribution Above Me and I have Manufacturing over Polyrhythm Artist. Have a end of the Year Album for New Year's Raves!

NEUROPLASTICITY DRUG-CRIME NEXUS BASED ON TRAFFICKING

CPP, CNS Depressants, et FENTALOGS: Cul-de-sac

Defensive Penalty Capture The Flag Raiding Warfare

Grey-Decentralized Markets

Bastilles: Cul-de-sac Artist Résidences Penthouse Complexes

Polyrhythm Raves

Acid House Art Gallery

International Film Festival

Hôtel Chefs

Seigneurial System/Tableau Economique Raw Material Économics Production Spot

Surautomatism

Discount Networking Acid House Party

Opium Dens and Fragrance Festivals

Pill Pressers

CNS depressants

Upper-tier County System

Defense Lawyers are Traplords (Trafficking P4P and Malicious Prosecution)

Cash Conversion Cycle (CCC)

Brain Receptor Dealing

Neuroplasticity Drug-Crime Nexus

Religious Ecstasy

Entheogens are psychedelic drugs—and sometimes certain other psychoactive substances—used for engendering spiritual development or otherwise in sacred contexts

Live-Pool Betting Monopoly Board Game

Summary Sentencing

Urban Level: Street Culture Art Gallery (Street culture may refer to: Urban culture, the culture of towns and cities, Street market, Children's street culture, Street carnival, Block party, Street identity, Street food, Café culture, Several youth subculture or counterculture topics pertaining to outdoors of urban centers. These can include: Street art, Street photography, Street racing, Street wear, Hip-hop culture, Urban fiction, Street sports, Streetball, Flatland BMX, Freestyling), Art Pedagogy, Artist Residency, Art Schools, and Art Plugs

Art Pedagogy: Arts-based pedagogy is a teaching methodology in which an art form is integrated with another subject matter to impact student learning. 28-30. Arts-based pedagogy results in arts-based learning (ABL),11 which is when a student learns about a subject through arts processes including creating, responding or performing. Aesthetic Teaching: Seeking a Balance between Teaching Arts and Teaching through the Arts. In aesthetic education, learning must be developed especially with the inclusion of sensations and with the help of feelings. Sensations and feelings should lead to movement, representation, and expression. Aesthetic learning often entails learning to distinguish certain qualities or objects aesthetically in different ways depending on the situation and the purpose. Certain things can be experienced in negative ways in one activity and in positive ways in another.

A designer drug is a structural or functional analog of a controlled substance that has been designed to mimic the pharmacological effects of the original drug, while avoiding classification as illegal and/or detection in standard drug tests

Patchwork tattoos are a collection of tattoos collaged together to create an overall design. Each individual 'patch' of the tattoo can be a different design, symbol or element with a little space in between. Patchwork tattoos are a collection of tattoos collaged together to create an overall design. In short, the gun-toting angel was a multifaceted metaphor. “It undoubtedly also reflected the Catholic Counter-Reformation militaristic rhetoric,” wrote Donahue-Wallace, “which promoted the church as an army and heavenly beings as its soldiers.”

DECADENCE AESTHETICS THEORIES

Slogan

J'Cartier, Je cours après les vœux de champagne,

Subjective

Based on or influenced by personal feelings, tastes, or opinions

Gastronomy

Precarious Balance

Precariously: If something is happening or positioned precariously, it's in danger. A glass could be precariously balanced on the edge of a table. If something is on the verge of danger, then the word precariously fits.

Grey & Decentralized Markets

Tableau Économique

Semblance

Semblance is generally used to suggest a contrast between outward appearance and inner reality.

High Socioeconomic Status & Tattoos

Phantasmagorical

Having a fantastic or deceptive appearance

adjective. having a fantastic or deceptive appearance, as something in a dream or created by the imagination. having the appearance of an optical illusion, especially one produced by a magic lantern.

Socioeconomic Status Development Immigration Multilingual Sensory Play

Law of Polarity in Relationships

In any successful relationship that has an intimate connection and sexual attraction, there is polarity. What does this mean exactly? Polarity in relationships is the spark that occurs between two opposing energies: masculine and feminine. Gender does not affect whether you have masculine or feminine energy.

Second Reflection

Burden Aesthetics with Intentions

The Second Reflection lays hold of the Technical Procedures

Tattoos

SOCIO-PSYCHOLOGY

Keystone Theory Habits

Game Theory

Behavioral Finance

Self-actualization is the complete realization of one's potential, and the full development of one's abilities and appreciation for life. This concept is at the top of the Maslow hierarchy of needs, so not every human being reaches it.

Potential Psychology: Psychological potential is a very broad concept. It may include one's capacity to conform, change, re-invent oneself, bounce back from adversity, etc.

SOCIO-FORMAL SCIENCE

+EV Optimal Game Theory Poker

Civil, Agriculure, Solvent Levelling Effect Chemical Reaction, and Biomechanical Engineering

SOCIO-PHILOSOPHY

Ontology

IMPERIALISM, THE HIGHEST STAGE OF CAPITALISM

Imperialism, the Highest Stage of Capitalism,[1] originally published as Imperialism, the Newest Stage of Capitalism,[2][3] is a book written by Vladimir Lenin in 1916 and published in 1917. It describes the formation of oligopoly, by the interlacing of bank and industrial capital, in order to create a financial oligarchy, and explains the function of financial capital in generating profits from the exploitation colonialism inherent to imperialism, as the final stage of capitalism. The essay synthesises Lenin's developments of Karl Marx's theories of political economy in Das Kapital (1867).[4]

Tax Mergers Law; Market-extension merger: Two companies that sell the same products in different markets. 4.2.2 Corporate Taxation At the corporate level, the tax treatment of a merger or acquisition depends on whether the acquiring firm elects to treat the acquired firm as being absorbed into the parent with its tax attributes intact, or first being liquidated and then received in the form of its component assets.

SOCIOCULTURAL THEORY OF DEVELOPMENT

Seconds Liberal Arts are often viewed as pre-professional since, while conceived of as fundamental to citizenship, they address the whole person in recognition that our moral and spiritual identities develop best through participation in a society that perpetually renews the rights and responsibilities of membership.

Executive management master's degree programs often result in an Executive Master of Business Administration, or EMBA. They are primarily designed to act as accelerated graduate programs for working professionals who already hold management or executive positions.

Engineering college means a school, college, university, department of a university or other educational institution, reputable and in good standing in accordance with rules prescribed by the Department, and which grants baccalaureate degrees in engineering.

Monopoly Family Boarding Schools: The socio-historical context refers to the societal and historical conditions and circumstances that influence events or individuals. It involves elements like the cultural, economic, and political circumstances during a certain time period.

Agriculturism is an ideology promoting rural life, a traditional way of life. It is characterized by the valorization of traditional values (the family, the French language, the Catholic religion) and an opposition to the industrial world.

CAPÔI CLASS STRUCTURE

Demonym Examples: CAR Congolese, Gabon Congolese, Afrikaans Congolese, and Congolese

Monopoly Family (Apartheid)

Chief Executive of State (Apartheid)

Political Class (RUSSE NOIR)

Upper Class (RUSSE NOIR)

Working Class (RUSSE NOIR)

JEAN-CLAUDE TRAORÉ BUSINESS ADVICE

Blue Ocean Strategy; Solvent Levelling Effect Chemical Reaction Engineering and Economic Science.

TENNIS AGRICULTURE

A clay-court specialist is a tennis player who excels on clay courts, more than on any other surface.

Due in part to advances in racquet technology, current clay-court specialists are known for employing long, winding groundstrokes that generate heavy topspin; such strokes are less effective on faster surfaces on which the balls do not bounce as high. Clay-court specialists tend to slide more effectively on clay than other players. Many of them are also very adept at hitting the drop shot, which can be effective because rallies on clay courts often leave players pushed far beyond the baseline. Additionally, the slow, long rallies require a great degree of mental focus and physical stamina.

CASAPIANOS MARTYROLOGY ORDER (CATHOLIC COUNTER-REFORMATION)

The Casa Pia is a Portuguese institution founded by Maria I, known as A Pia ("Mary the Pious"), and organized by Police Intendant Pina Manique in 1780, following the social disarray of the 1755 Lisbon earthquake. For almost three centuries, thousands of young boys and girls were raised by Casa Pia, including many public personalities, called casapianos. Casa Pia is Portugal's largest educational institution dedicated to helping youngsters in risk of social exclusion or without parental support. The organisation is composed of ten schools and enrolls approximately 4700 students. In addition to standard schooling, the organisation also provides boarding for children in need. It strives to enable these youngsters to become healthy and successful members of society, by developing intellectual, manual, and physical traits, in an environment promoting spiritual, moral, and religious values. The institution is proud to have had amongst its students many outstanding Portuguese personalities, including politicians, journalists, and artists. A martyrology is a catalogue or list of martyrs and other saints and beati arranged in the calendar order of their anniversaries or feasts. Local martyrologies record exclusively the custom of a particular Church. Local lists were enriched by names borrowed from neighbouring churches.[1] Consolidation occurred, by the combination of several local martyrologies, with or without borrowings from literary sources.

The Canons Regular of St. Augustine are priests who live in community under a rule (Latin: regula and κανών, kanon, in Greek) and are generally organised into religious orders, differing from both secular canons and other forms of religious life, such as clerics regular, designated by a partly similar terminology. As religious communities, they have laybrothers as part of the community.

Clerics regular are clerics (mostly priests) who are members of a religious order under a rule of life (regular). Clerics regular differ from canons regular in that they devote themselves more to pastoral care, in place of an obligation to the praying of the Liturgy of the Hours in common, and have fewer observances in their rule of life.

Lay brother is a largely extinct term referring to religious brothers, particularly in the Catholic Church, who focused upon manual service and secular matters, and were distinguished from choir monks or friars in that they did not pray in choir, and from clerics, in that they were not in possession of (or preparing for) holy orders.[1][2][3][4][5]

In female religious institutes, the equivalent role is the lay sister. Lay brothers were originally created to allow those who were skilled in particular crafts or did not have the required education to study for holy orders to participate in and contribute to the life of a religious order.

Lay brothers were found in many religious orders. Drawn from the working classes, they were pious and hardworking people, who though unable to achieve the education needed to receive holy orders, were still drawn to religious life and were able to contribute to the order through their skills. Some were skilled in artistic handicrafts, others functioned as administrators of the orders' material assets. In particular, the lay brothers of the Cistercians were skilled in agriculture, and have been credited for the tilling of fertile farmland.[1]

Lay sisters were found in most of the orders of women, and their origin, like that of the lay brothers, is to be found in the necessity of providing the choir nuns with more time for the Office and study, as well as creating the opportunity for the illiterate to join the religious life. They, too, wore a habit different from those of the choir sisters, and their required daily prayers consisted of prayers such as the Little Office or a certain number of Paters.[1]

All canons regular are to be distinguished from secular canons who belong to a resident group of priests but who do not take public vows and are not governed in whatever elements of life they lead in common by a historical rule. One obvious place where such groups of priests are required is at a cathedral, where there were many Masses to celebrate and the Divine Office to be prayed together in community.

In modern astrology, Mars is the primary native ruler of the first house. Traditionally however, Mars ruled both the third and tenth houses, and had its joy in the fifth house. While Venus tends to the overall relationship atmosphere, Mars is the passionate impulse and action, the masculine aspect, discipline, willpower and stamina.

Mars rules over Tuesday and in Romance languages the word for Tuesday often resembles Mars (in Romanian, marți, in Spanish, martes, in French, mardi and in Italian "martedì"). The English "Tuesday" is a modernised form of "Tyr's Day", Tyr being the Germanic analogue to Mars. Dante Alighieri associated Mars with the liberal art of arithmetic. In Chinese astrology, Mars is ruled by the element fire, which is passionate, energetic and adventurous.

According to John Clements, the term martial arts itself is derived from an older Latin term meaning "arts of Mars", the Roman god of war, and was used to refer to the combat systems of Europe (European martial arts) as early as the 1550s

A religious congregation is a type of religious institute in the Catholic Church. They are legally distinguished from religious orders – the other major type of religious institute – in that members take simple vows, whereas members of religious orders take solemn vows.

In the Catholic Church, a religious order is a community of consecrated life with members that profess solemn vows. They are classed as a type of religious institute.[1]

Catholic School Girls Moon Evangelical Prophets: Consecrated life is "placed in a privileged position in the line of evangelical prophecy," whereby its “charismatic nature” and communal discernment of the Spirit "makes it capable of inventiveness and originality.”

Men Mars Angelology Conversion System: Church Enterprises (Planetary Intelligence Church District Real Estate; Liberal Arts Catholic Immersion Schools; Gold; Athletics; Cooking);

Church Gatherings (School Nights Virgil, Weekend Noon Mass then Weekend Sports League) Francis de Sales and Don St. Bosco Influence 

Harquebusier Angels Patchwork Tattoos: Biblical Crowns, Praying Hands, Gun Toting Angels, Dirty Dancing Angels, Drug Using Angels, Heavenly Choir, Summa Theologica Sherman, Saints and Pastors, Hebrew Tetragram, Council of Trent

HARQUEBUSIER ANGELS GANG BLUEPRINT: PARDISUS MEDIAE; Spirit Unity Oversoul Angelology Shaman, Eros Influence Angels: Ecstasy-Painkillers Trafficking Angel Spirit Type Oversoul, Jupiter-Mars-Venus with Planetary Intelligence; Erotes are Horcruxes, Google Imprint Oversoul, Choice of Choir is Heavenly Host, Lightning-Ice Element, Wings Transfer Invocation, MARS-JUPITER  Syncretism Planetary Intelligence, ESTJ Sensory Myers-Briggs Personality Indicator Syncretism, Church Expenses Occupation (Festivals, Venues, Freeports, Art Gallery, Underground Garages, Tobacco Store, Restaurants, Réal Estate Brokerage, Impure Aesthetic Thrillers Publishing Imprint et Production Company, Body Etching, Lipodissolve, and Hyaluronic Acid Fillers Cosmetics Surgery

ANGOLAN HARQUEBUSIER ANGELS STRUCTURE; Commission on the Social and Cultural Affairs; Commission for Ecumenism; The Commission on Christian Education; Liturgical Commission; Missionary Committee; Chief Executive of State and Military Religion Legislation; Stretch and Micro Goals

Material religion is a framework used by scholars of religion to examine the interaction between religion and material culture. It focuses on the place of objects, images, spaces, and buildings in religious communities. The framework has been promoted by scholars such as Birgit Meyer, Sally Promey, S. Brent Plate, David Morgan, etc.

Physiocracy (French: physiocratie; from the Greek for "government of nature") is an economic theory developed by a group of 18th-century Age of Enlightenment French economists who believed that the wealth of nations derived solely from the value of "land agriculture" or "land development" and that agricultural products should be highly priced.[1] Their theories originated in France and were most popular during the second half of the 18th century. Physiocracy became one of the first well-developed theories of economics.

The Bible typically describes the Heavenly host as being made up of angels, and gives several descriptions of angels in military terms, such as their encampment (Genesis 32:1–2), command structure (Psalms 91:11–12; Matt.13:41; Rev.7:2), and participation in combat (Job 19:12; Rev.12:7). Other passages indicate other entities make up the divine army, namely stars (Judges 5:20, Isaiah 40:26).[1][full citation needed] In Christian theology, the heavenly host participate in the war in Heaven.

The doctrine or theory of immanence holds that the divine encompasses or is manifested in the material world. It is held by some philosophical and metaphysical theories of divine presence. Immanence is usually applied in monotheistic, pantheistic, pandeistic, or panentheistic faiths to suggest that the spiritual world permeates the mundane.

The Dionysian Mysteries were a ritual of ancient Greece and Rome which sometimes used intoxicants and other trance-inducing techniques (like dance and music) to remove inhibitions and social constraints, liberating the individual to return to a natural state. 

Religious nationalism can be understood in a number of ways, such as nationalism as a religion itself, a position articulated by Carlton Hayes in his text Nationalism: A Religion, or as the relationship of nationalism to a particular religious belief, dogma, ideology, or affiliation. This relationship can be broken down into two aspects: the politicisation of religion and the influence of religion on politics.

Dioceses ruled by an archbishop are commonly referred to as archdioceses; most are metropolitan sees, being placed at the head of an ecclesiastical province. In the Catholic Church, some are suffragans of a metropolitan see or are directly subject to the Holy See.

The body of light, sometimes called the 'astral body'[a] or the 'subtle body,'[b] is a "quasi material"[1] aspect of the human body, being neither solely physical nor solely spiritual, posited by a number of philosophers, and elaborated on according to various esoteric, occult, and mystical teachings. Other terms used for this body include body of glory,[2] spirit-body, luciform body, augoeides ('radiant body'), astroeides ('starry or sidereal body'), and celestial body.[3] The concept derives from the philosophy of Plato: the word 'astral' means 'of the stars'; thus the astral plane consists of the Seven Heavens of the classical planets. The idea is rooted in common worldwide religious accounts of the afterlife[4] in which the soul's journey or "ascent" is described in such terms as "an ecstatic, mystical or out-of body experience, wherein the spiritual traveller leaves the physical body and travels in their body of light into 'higher' realms."[5]

The canon law of the Catholic Church (from Latin ius canonicum[1]) is "how the Church organizes and governs herself".[2] It is the system of laws and ecclesiastical legal principles made and enforced by the hierarchical authorities of the Catholic Church to regulate its external organization and government and to order and direct the activities of Catholics toward the mission of the Church.

An institute of consecrated life is an association of faithful in the Catholic Church canonically erected by competent church authorities to enable men or women who publicly profess the evangelical counsels by religious vows or other sacred bonds "through the charity to which these counsels lead to be joined to the Church and its mystery in a special way".[1] They are defined in the 1983 Code of Canon Law under canons 573–730. The Congregation for Institutes of Consecrated Life and Societies of Apostolic Life has ecclesial oversight of institutes of consecrated life.[2]

In Christianity, the three evangelical counsels, or counsels of perfection, are chastity (NEVER), poverty (or perfect charity), and obedience (RECKLESS ABANDONMENT).[1] As stated by Jesus in the canonical gospels,[2] they are counsels for those who desire to become "perfect" (τελειος, teleios).[3][4] The Catholic Church interprets this to mean that they are not binding upon all, and hence not necessary conditions to attain eternal life (heaven), but that they are "acts of supererogation", "over and above" the minimum stipulated in the biblical commandments.[5][6]

Catholics who have made a public profession to order their lives by the evangelical counsels, and confirmed this by public vows before their competent church authority (the act of religious commitment known as a profession), are recognised as members of the consecrated life.

The Council of Trent (Latin: Concilium Tridentinum), held between 1545 and 1563 in Trent (or Trento), now in northern Italy, was the 19th ecumenical council of the Catholic Church. Prompted by the Protestant Reformation at the time, it has been described as the embodiment of the Counter-Reformation. The Council issued key statements and clarifications of the Church's doctrine and teachings, including scripture, the biblical canon, sacred tradition, original sin, justification, salvation, the sacraments, the Mass, and the veneration of saints[4] and also issued condemnations of what it defined to be heresies committed by proponents of Protestantism. The consequences of the Council were also significant with regard to the Church's liturgy and censorship.

Initiated in part to address the challenges of the Protestant Reformations,[3] the Counter-Reformation was a comprehensive effort arising from the decrees of the Council of Trent. The effort produced apologetic and polemical documents, heresy trials, anti-corruption efforts, spiritual movements, the promotion of new religious orders, and the flourishing of new art and musical styles. 

Tradwave is a Catholic artistic style using synthwave and vaporwave art to promote traditional catholicism. Tradwave usually uses traditional catholic paintings, sculptures, or photographs of saints, given with vaporwave effects, often with a bible verse or quote about catholicism. The art usually tries to convey a resurrection of catholic spirituality in the modern atheist world. Figures often depicted in Tradwave art include Jesus Christ, the Virgin Mary, Ven. Fulton Sheen, Cardinal Robert Sarah, and Mother Angelica.

Tradwave music often takes the form of two main styles. One of them is catholic hymns with vaporwave effects and traditional Vaporwave/Lo-Fi music. It can also have quotes from modern prolific Catholic figures, such as Ven. The other theme is Fulton Sheen and Cardinal Robert Sarah.

Heavenly Virtues: Another phrase to describe this obedience to the voice is “reckless abandon.” It simply means that we let God do what God wants to do through us. It means if He tells us to do something or say something—we do it.

Intercession or intercessory prayer is the act of praying to a deity on behalf of others, or asking a saint in heaven to pray on behalf of oneself or for others. Intercession of the Saints is a Christian doctrine that maintains that saints can intercede for others. To intercede is to go or come between two parties, to plead before one of them on behalf of the other. In ecclesiastical usage both words are taken in the sense of the intervention primarily of Christ, and secondarily of the Blessed Virgin and the angels and saints, on behalf of men.[2] The doctrine is held by the Catholic, Eastern Orthodox Churches, the Assyrian Church of the East, the Oriental Orthodox churches , and some Lutherans and Anglicans (chiefly those of Evangelical Catholic or Anglo-Catholic churchmanship, respectively).[3] The practice of asking saints for their intercession can be found in Christian writings from the 3rd century onwards.[4][5][6] Catholic doctrine supports intercessory prayer to saints. This practice is an application of the doctrine of the Communion of saints. Some of the early basis for this was the belief that martyrs passed immediately into the presence of God and could obtain graces and blessings for others, which naturally and immediately led to their direct invocation. A further reinforcement was derived from the cult of the angels which, while pre-Christian in its origin, was heartily embraced by the faithful of the sub-Apostolic age. The doctrine of intercession and invocation was set forth by the Council of Trent, which teaches that "... the saints who reign together with Christ offer up their own prayers to God for men. It is good and useful suppliantly to invoke them, and to have recourse to their prayers, aid, and help for obtaining benefits from God, through His Son Jesus Christ our Lord, Who alone is our Redeemer and Saviour".[10] Intercessory prayer to saintly persons who have not yet been beatified can also practiced by individuals, and evidence of miracles produced as a result of such prayer is very commonly produced during the formal process of beatification and canonization.

In short, the gun-toting angel was a multifaceted metaphor. “It undoubtedly also reflected the Catholic Counter-Reformation militaristic rhetoric,” wrote Donahue-Wallace, “which promoted the church as an army and heavenly beings as its soldiers.” These "Harquebusier Angels" or "Arcabuceros" are full-length depictions of winged angels, elaborately dressed, and carrying matchlock guns (harquebuses).

The related term astrolatry usually implies polytheism. In anthropological literature these systems of practice may be referred to as astral cults.

A friar is a member of one of the mendicant orders in the Roman Catholic Church. There are also friars outside of the Roman Catholic Church, such as within the Anglican Communion. The term, first used in the 12th or 13th century, distinguishes the mendicants' itinerant apostolic character, exercised broadly under the jurisdiction of a superior general, from the older monastic orders' allegiance to a single monastery formalized by their vow of stability. A friar may be in holy orders or be a non-ordained brother. The most significant orders of friars are the Dominicans, Franciscans, Augustinians, and Carmelites.[1]

Romans 8:31; Exploring Biblical Imagery is one of the most important keys to interpreting and gaining a deeper understanding of the Bible. The Bible often communicates truth to us through images and patterns.

Throughout history, armed priests or soldier priests have been recorded. Distinguished from military chaplains, who are non-combatants that provided spiritual guidance to service personnel and associated civilians, these priests took up arms and fought in conflicts as combatants. The term warrior priests or war priests is usually used for armed priests in Antiquity and the Middle Ages, and of historical tribes.

Slang: In Romans 8:5-8, Paul presents a compelling contrast between living according to the flesh and living according to the Spirit. The flesh, with its disordered desires and rebellion against God, leads only to spiritual desolation. Martyr, one who voluntarily suffers death rather than deny their religion by words or deeds; such action is afforded special, institutionalized recognition in most major religions of the world. The term may also refer to anyone who sacrifices their life or something of great value for the sake of principle. A religious allusion is a brief reference to a person, event, place, or phrase from religious texts or traditions, without describing them in detail. 5 Those who live according to the flesh have their minds set on what the flesh desires; but those who live in accordance with the Spirit have their minds set on what the Spirit desires. 6 The mind governed by the flesh is death, but the mind governed by the Spirit is life and peace. 7 The mind governed by the flesh is hostile to God; it does not submit to God’s law, nor can it do so. 8 Those who are in the realm of the flesh cannot please God. Martyr/Romans 8 Allusion Slang.

Romeu e Julieta (Casapianos Order 1996 Adaptation 18+ Romance Thriller)

While it retains the original Shakespearean dialogue, the film represents the Montagues and the Capulets as warring mafia empires (with legitimate business fronts) and the Capulets were "a Latin family, sort of,"[15] played by Latin-American and Italian actors.[16] It is set in contemporary United States, where swords are replaced by guns[17] (with model names such as "Dagger", "Sword", and "Rapier"), and with a FedEx-style overnight delivery service called "Post Haste".[18] Shakespeare and Impure Aesthetics explores ideas about art implicit in Shakespeare's plays and defines specific Shakespearean aesthetic practices in his use of desire, death and mourning as resources for art. In fiction, a subplot or side story is a secondary strand of the plot that is a supporting side story for any story or for the main plot. Subplots may connect to main plots, in either time and place or thematic significance. Subplots often involve supporting characters, those besides the protagonist or antagonist. Subplots may also intertwine with the main plot at some point in a story.[1]

THE ENCYCLICAL PASSIONARIES ABOUT YHVH CASAPIANOS

Specifically, the royal psalms deal with the spiritual role of kings in the worship of Yahweh. Aside from that single qualification, there is nothing else which specifically links the ten psalms. Each of the psalms make explicit references to their subject, the king. Royal (messianic) psalms deal with the king as God's anointed or chosen one. Many are prayers for the wisdom of the king, his long life or success in battle. Some are prophetic in nature in that they also point to the ideal future king, the Messiah or the King of kings. A martyrology is a catalogue or list of martyrs and other saints and beati arranged in the calendar order of their anniversaries or feasts. Local martyrologies record exclusively the custom of a particular Church. Local lists were enriched by names borrowed from neighbouring churches.[1] Consolidation occurred, by the combination of several local martyrologies, with or without borrowings from literary sources. Simple martyrologies only enumerate names. Historical martyrologies, also sometimes called passionaries, also include stories or biographical details. (Reckless Abandonment; Mars Shamanism and Casa Pia Wing Transfer Invocation)

In the martyrdom narrative of the remembering community, this refusal to comply with the presented demands results in the punishment or execution of an individual by an oppressor. Accordingly, the status of the 'martyr' can be considered a posthumous title as a reward for those who are considered worthy of the concept of martyrdom by the living, regardless of any attempts by the deceased to control how they will be remembered in advance.[1] Insofar, the martyr is a relational figure of a society's boundary work that is produced by collective memory.[2] Originally applied only to those who suffered for their religious beliefs, the term has come to be used in connection with people killed for a political cause. (Armed Friars and The War for Central Africa between Casapianos and The French; The Fall of Yoruba for Bembé; Arcubusier Angels in Africa)

The Metal Ages is a term for the period of human civilization beginning about 6,000 years ago during which metallurgy rapidly advanced, and human populations started using metals such as copper, tin, bronze and finally iron to make tools and weapons. By heating and shaping metals in hot furnaces, humanity also learned to use precious metals such as gold and silver to make intricate ornaments.[1][2] With these technological adaptions, human society became more productive and human settlements became larger and more prosperous, but also more violent.[3] The Metal Ages are divided into three stages: the Copper Age, the Bronze Age, and the Iron Age.[1][2] (Calcium Age of Angola)

5 SENSES FESTIVAL MONTHLY (CASAPIANOS ORDER)

Heortology or eortology is a science that deals with the origin and development of religious festivals,[1] and more specifically the study of the history and criticism of liturgical calendars and martyrologies*. Religious Ecstacy Entheogens are psychedelic drugs—and sometimes certain other psychoactive substances—used for engendering spiritual development or otherwise in sacred contexts.

Sight: Fireworks on Water Front

Sound: Casapianos Palace Raves

Scent: Overnight Fragrance

Taste: Lamb and Wool

Touch: Tomato Food Fight

🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴🇦🇴

CASA PIA REPUBLIC

[short-ish]

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[dreamyfanfix]

Chapter 2: It Shouldn't Hurt

Past (2 Years Ago):

Anthony had to admit it. That was the most eventful PTA meeting of all time. After Kate sat down, Portia proceeded to give out more information about the new processes that would be implemented, at Mayfair Girls, at the beginning of the term.

First: The school was going to adjust its classes to meet the standards of their new entries. The classes would now be separated by grade average which meant those who excelled would be able to take AP classes and kids who struggled would be with teachers who were known for explaining better and getting concepts across to struggling kids. Parents were not happy with this but Anthony could see some nodding teachers. The idea that kids would feel less than others was a fear but it became clear that this was also being done by subject as many kids only struggled in one area and the school wanted to make sure the students were well-rounded when they graduated.  Anthony, surprisingly, had no problems with this. His sister Francesca had spent so long ignoring some of her subjects that she was behind and catching up was taking up more time than just plain old studying.

Second: All extracurriculars would have reentry tryouts. This one caused the biggest stir in the room as many of the parents in the room bonded over their daughters' mutual extracurriculars.  Anthony, again, was actually happy about this. Eloise had been working on her social skills through the break and he hoped that she could have a retry into Debate, Public Speaking and Academic Decathlon.

Third: The school was adding mandatory 'Social Impact' lessons. These lessons funded by a Social Worker most of the time, would be lessons the girls would need in learning about those less fortunate or about social issues of the world. The girls would be volunteering at different organisations for increasing their awareness of social issues again emphasising the need for well-rounded graduates. Anthony thought all the eyes in the room were gonna pop out of their head at the implication of this new lesson plan. Everyone looked surprised, everyone except, Anthony noted, Kate. She sat there with a smug look on her face and Anthony couldn't help but smile, she was enjoying this. 

Just then Kate's eyes found his and Anthony felt locked in place by her gaze. He nodded his head in greeting but Kate scowled and immediately went back to listening to Portia.

As parents & teachers dwindled out the door when the meeting ended. Anthony watched as some parents came up to Kate to speak to her. Some of them were congratulatory and offered thanks, others just seemed like they were curious. Kate seemed to handle it all in stride so Anthony hung back, waiting for his turn.

"Quite the entrance there Miss Sharma," Anthony remarked as he walked up to her, Anthony noticed Tom by her side and shook his hand "I'm going to take a guess that this is the lovely girlfriend you were talking about earlier Tom?"

Tom smiled oblivious to Anthony's ogling of Kate "Yes this is her. Is she not amazing?"

"Quite. It seems I am destined to learn that on multiple occasions," Anthony said looking at her properly now.

"Well Lord Bridgerton, how do you feel about the changes to the school mandates?" Kate asked with a quirked brow before Tom could pick up on Anthony's meaning.

"Oh I love them," Anthony said and both Tom and Kate's eyes widened. Anthony smiled "Yeah I think these new processes will help all of our girls including your...?"

"Sister," Tom supplied.

"I think these new processes will help all of our girls, including your sister, be more well-rounded," he looked at her in a challenge.

"Is that so? Cause here I thought you would loathe these changes. I thought people like me and all the parents here today, who took buses and trains to get here should stick to our own schools?" Kate asked sourly.

Anthony's breathing hitched "You weren't supposed to hear that,"

"Why? How could I miss the opportunity for you to proclaim to the entire room how people like my sister have no business schooling with people like your sisters?" she said

"You don't understand-"

"Oh I actually think I do understand Lord Bridgerton," Kate said as she got closer to him, he suspected that Kate being quite tall herself could often intimidate men shorter than her but they were both around about the same height so all it did was bring her face closer to his and Anthony got a whiff of her "You see it seems it is not just the school that has gotten out of touch, it seems the parents and teachers need to start working to meet the standards set by hardworking children like my sister,"

Anthony had to shake his head to get the scent of her out of his mind "If this school is so below your standards, why put in such an effort to get your sister in here?"

"That's what I asked," Tom spoke for the first time in what seemed like forever.

Kate shot him a glare and Anthony felt smug before she spoke "Because a child of excellent schooling history in a fair world would get their pick of schools and that's how things should be," Kate gestured around her "Maybe if the underperforming rich kids and their parents had any self-respect or care for others they would step aside and let those with real goals and ambitions take the lead then the school wouldn't have to lower its standards to meet them,"

"That's a lot of big talk coming from someone whose sister will be enjoying the premium quality of a private school funded by endowments, private donations and exorbitant school fees that I'm sure she is not going to be contributing to,"

"I'm talking big? You literally all buddy-buddy with the Featheringtons as if, despite being in the peerage like yourself, they too are on financial aid," Anthony hesitated, he didn't know that but Kate continued "But I guess a handout isn't called a handout when you have a title,"

Anthony was really frustrated now "Look what does it matter now anyway? Your sister is attending, and the school is changing their mandates. You won,"

"I won I know that much. I'm very good at it if you can recall but I do not like being made to feel like a pariah because I stood up for my sister and did everything I could to get her the best education," Kate was now so close every breath he took he was inhaling her maddeningly distracting scent.

"So I'm supposed to feel bad because I too did all I could for my sisters?" Anthony asked.

"Okay guys you both are good siblings, might want to take a break?" Tom interjected.

It was only then that Anthony noticed that almost everyone had left the room at that point. He looked at his watch and shit, he was late.

On the car ride over to work, Anthony could not help but think about the similarities between him and Kate Sharma. She too was a protective sibling and she clearly loved herself an argument. Despite it all Anthony finally felt like he got a glimpse into who she was and he was curious to know more.

That being said Anthony knew he might have to table those thoughts because she was seeing someone and she clearly disliked him. Despite the intensity of their exchange, Anthony thought staying clear of Kate was a good bet, the idea that they would be at each other's throats for the next few years sounded exhausting and yet compelling but also Anthony felt like getting involved with her would bring up too much introspection about the life he had been living and he was not ready to deal with all of that just yet.

Yeah, he was going to stay far away from Kate Sharma.

------

4 months went by and Mayfair Girls was putting on a recital for performing arts. Select excelling students, like Edwina, had been training for this moment for 2 months. This recital was significant, Edwina had done ballet performances since she had been at Mayfair Girls but this was the first time that a school-wide performance was being put on, especially when she had only been at the school a few short months. Even though Kate felt like Edwina had more than proved she belonged at this school, Edwina felt like this was the first time she could actually shine and Kate was nervous for her sister.

Kate had taken an active role in the school since Edwina's entrance and things had gone relatively smoothly. She did often bump into other parents who were still hostile about the circumstances of their children, things did get a bit tense when the school began to rescind admissions for some students.

The Carrigan twins were the first to go, Vince Carrigan was a prolific alcohol distributor in the country and was thinking of running a campaign for a labour slot. He was not happy when his daughters had to leave the school many thought he would sue but he did not have the grounds so others thought he would use his government connections in the future to change the rules unfortunately, it never got that far. The Carrigans were out and Vince Carrigan was arrested for fraud 2 months after that.

Next to go was Prudence Featherington, this caused quite a bit of gossip because Portia was the head of the PTA.

Up to 5 girls per grade were removed from the school and Kate thought the PTA or someone else would do something to change it but apparently, the shame of not meeting the standards of Mayfair Girls was enough to satiate any possible retaliation from parents. Portia on the other hand was less than friendly whenever she bumped into Kate. Although Kate loved to remind Portia that they were both in the same boat financially so her nose need not be so high in the air. At least Penelope was still at school, she seemed like a smart girl.

None of the girls who left the school were Bridgertons and Kate was finally secure enough to admit that she was relieved. She didn't even believe that Anthony had anything to do with Eloise and Francesca's growing performance despite what she would say in arguments with him.

She doesn't even who starts them anymore. All she knows is that they would get in a room together, eye each other intensely, fake pleasantries and then argue over things. They argued over parking spaces, school uniform, his dating life and her dating life. Anthony loved remarking on her relationship with Tom. Kate hated it. Maybe she did not love Tom but she did not like that despite calling him an old friend, Anthony would mock him. It was not something she liked to see or hear from him. She often wondered if he was jealous but decided against analysing that too much because she was supposed to be staying away from Anthony.

Only they couldn't stay away from each other it seems. Anthony's best friend it turns out: Simon. She remembers when she went with him as his date to an event and was stuck in the middle of their reminiscing of old party days. Kate got quite a bit of insight into how much of a player Anthony was, I mean Simon was too but she knew that. Anthony visibly blushed when Simon brought up the open relationship debacle with Siena. Apparently, despite his being shared, Anthony was not one to share. Kate rolled her eyes at the nerve of it all.

Kate hated herself a bit for wanting to know more. When she and Anthony ended up at the bar by themselves Anthony slid a cosmopolitan in her direction and Kate took it gratefully. 

She asked if Siena was a sore spot and he blushed again and said it was complicated. Kate couldn't help herself she asked him if he was still in love with her, and she gazed at her drink the whole time.

Anthony laughed at the question and said "No. I used to think I was but lately, I've been feeling this pull to someone else that can only be attributed to deep devotion. It was never like this with Siena,"

Kate's breathing hitched, she tried to think of people she had heard or seen with Anthony and was drawing a blank. When Kate was with Anthony he tended to be singularly focused on her even if other people were chatting with them. It was exhilarating and dangerous. "Does she know?" Kate asked.

"I thought she would figure it out. I am not exactly being discreet, in fact, my siblings have called me out on it a bunch of times," Anthony said and Kate could feel his eyes on her.

Kate lost the battle she was having with her self-control and looked up at him. Anthony was now gazing at the dancefloor where Anthony's brother, Benedict, was dancing with his boyfriend Henry, in a sweet embrace.

Kate sighed and said "Well I doubt a guy with a title and a pleasing smile would have a tough time getting the woman he adores,"

Anthony looked at her with a giant smile on his face "You find my smile pleasing?"

Kate sighed "Despite being a man who thinks way too highly of himself, I cannot tell a lie,"

"So that is a yes?" Anthony asked inching closer to her.

Kate nodded and giggled at his giant puppy eyes gazing at her "Yes," and then her phone vibrated and Kate saw the message on her smartwatch. It was Tom.

"Don't worry Kate. I won't tell your boyfriend that you pine for me," Anthony said as he made his way away from the bar, from her.

"That's not what I said," Kate said walking after him.

They bickered the rest of the night and Kate felt like crap when she returned home to multiple missed messages from Tom.

Kate snapped herself back into the present and walked into the rented theatre backstage. She had gotten there early and secured a family pass for her and Mary, Kate wanted to wish Edwina good luck before the show started.

I guess Kate was not the only one who had that idea because a couple of parents lingered around backstage helping their girls get ready to perform.

Kate spotted her sister "Edwina,"

"Kate! Over here," Edwina said directing her towards one of the dressing rooms. It seemed Edwina was sharing with Francesca Bridgerton. Kate had reconciled months ago about Edwina's going friendship with Eloise Bridgerton. Both of them were incredible readers and Kate had more than once caught them asleep in the living room, books in hand.

"Hey, you nervous?" Kate asked

"Yes and no. I know I am a good dancer but everyone has bad days, I'm just hoping this isn't one of them," Edwina sighed.

"Bon, you are heads and shoulders above all the other dancers even on your worst days," Kate said hugging Edwina tightly.

"Even during December of last year?" Edwina asked.

Kate visibly shivered "Even then,"

Edwina looked at her, through the dressing room mirror, with scepticism but didn't say anything further.

"Do you need anything before you put on makeup? Water or snacks?" Kate asked.

"No, but you can keep me company for the next hour. Though you are going to have to leave and get to your seat cause you know how mom is terrible at finding her seating,"

Kate nodded, Mary was always losing her place or forgetting her row even when they went to the movie theatre.

A little while later Francesca came in with her makeup done, she was with her older sister Daphne and Anthony. In a lot of ways, Francesca looked like she could be both Daphne and Anthony's child because she looked like a mixture of them both.

The conversation in the dressing room was lively. Kate noted how Francesca was not much of a talker but she got her quips in now again. Apparently, due to the two-per-family rule, Anthony and Daphne had to wrestle with their mother for tickets. Luckily or unlucky their youngest sister, Hyacinth, started vomiting and their mother stayed behind relinquishing her ticket to Daphne.

They talked some more before Daphne said to Kate and Anthony "Why don't you two make your way out and find your seats? I can help the girls finish their makeup,"

Anthony gave Daphne a look she could not decipher and then got up, Kate did too, Mary would be here soon anyway. Kate gave Edwina a light kiss on the cheek and Anthony gave Francesca a kiss on the top of her head. The gesture was sweet it made Kate's heart constrict.

Anthony then led Kate out of the room and down the hallway.

It was quiet while they walked for a bit until Kate finally asked "Hey, did you ever get around to telling your beloved about your feelings,"

Anthony sighed, they were in the seating area now and it was still empty "No, I haven't. There's no point. She's seeing someone,"

Kate’s heart quickened as she realised his implication “Anthony be serious,”

“I am serious Kate. When have I ever not been serious?” Anthony asked.

Kate walked a few steps away from him and Anthony walked a few steps towards her “I’m confused here, Anthony. Last month you called me the 'Bane of your existence,”

“And yet you also the object of all my desires. A maddeningly frustrating combination I tell you,” Anthony spoke and he looked at her with such adoring eyes that Kate felt dumb that she hadn’t noticed his attention before.

“You never said-”

“When was I gonna tell you, Kate? PTA meetings with your mother? Clubs with Simon? When I spot you and Tom on a date?” Kate wondered when the last one could have occurred cause she didn’t remember ever seeing Anthony anywhere she was out with Tom.

Anthony reached for Kate, Kate was going to let him reach her but then her phone rang. It was Mary.

------

Concentrating during this recital was impossible. Anthony had told Kate how he felt and now she sat two rows from him, looking straight ahead. He wondered what she was thinking, what she was feeling. He felt like such a cad because Tom was a good guy, there was a point a couple of months ago when Anthony started to feel bad for slagging him off because Tom was not the problem. Anthony was the problem. He fell in love with a woman with a boyfriend.

He couldn’t even remember when it all started. He remembered first trying to avoid her and then bumping into her at PTA meetings and events. He noticed that when she was around her mother she tried to be on her best behaviour so he started taking joy in baiting her into arguments.

One day he and Kate got into a spat and Mary sent her away to get water.

Anthony felt himself flush when he saw Mary looking at him curiously “You know this is the first time 'the boy pulling on a girl’s pigtails’ story is starting to make sense to me?”

"I don't know what you mean," Anthony said to her.

"Sure, be a dear and tell Kate I went to the ladies," Mary said as she walked away.

Kate came back and Anthony informed her that Mary had gone to the bathroom "You know you and your mom are quite alike in your scrutiny?"

"Sure. Mary is a nurse so she deals with people who have done a whole bunch of weird stuff to their bodies in the hospital. It is quite interesting,"

"Yeah I mean you even look the same. The same discerning eyes,"

Anthony saw Kate go rigid and she said "That would be quite impossible but a nice thought. Mary's my stepmother she married my dad when I was 5 years old. 5 years later Edwina was born. My dad got sick when I was in law school but he didn't want me to take time off to take care of him so I actually doubled down and finished early. He died 3 years ago,"

"I'm sorry. If it's any comfort, it does get easier," Anthony replied.

"How long for you?" Kate asked.

"12 years," Anthony replied. It hadn't even occurred to him how much time had passed.

"Wait isn't your youngest sister 11?" Kate asked.

"Yeah, she was born a few months after his death. It was a tough time," Anthony explained. Usually, he was not forthcoming about his family but gave him a look into her life so he returned the gesture.

"I couldn't imagine. Edwina was a handful but at least she was 13. She could generally take care of herself," Kate responded.

“Yeah, I was the only one above 18 so anything that mother couldn’t do, I did. And there was a lot back then. Signing permission slips, pick-ups, groceries and doctor’s appointments. I kind of think that’s why I’m so organised even now. Despite things running a bit smoother now that everyone is older,” Anthony said only just realising how much he truly had to take care of, Kate put her hand on his arm and Anthony tried to ignore his speeding heart and the heat radiating off of that one spot.

“I mean I only had to worry about the fact that we were one paycheck down. I was still doing courses and training but had midnight shifts at bars and I did a bit of modeling at art studios. Anything and everything to keep us afloat. 13-year-old Edwina did not like having to learn how to take the bus and not being able to go on some school trips but once Danbury Law hired me it was a game changer. A good paycheck, way better than even my dad was providing. We finally could start having nice things again,” Kate said with a twinkle in her eye.

Anthony's heart ached for the Sharmas but mostly for Kate. It never occurred to him how dealing with his father's death would be made much harder if he also was concerned about money. If he needed a babysitter he could pay, if he was desparate he could send a car to pick up his siblings. Tutors, vacations, clothes and cars for Benedict, Colin and Daphne when they all turned 18. He even had his eyes on an electrical car for Eloise when she turned 18. Anthony wondered if anyone had ever actually gotten to spoil Kate like that since her dad had gotten sick and then he remembered Tom.

He remembered every bit of their conversation for weeks.

One night Anthony was drinking at a bar with Benedict when a guy approached him "Hello there cutie, can I get you a drink?"

"No, thanks but see that guy over there who looks similar to me?" Anthony pointed at Benedict dancing.

"Yeah he's like you but taller," The stranger said.

"He'll never let me forget it. You can buy him a drink," Anthony said.

Benedict was going through a rough patch and he needed a pick-me-up. 

Anthony on the other hand was actually having a peaceful month. I mean he would still argue with Kate when he saw her but the venom in their exchanges had lessened and they would often end their exchanges laughing. Portia had scolded them on more than one occasion during PTA meetings about their giggling interruptions but Kate's takes on Portia's attitude often made him chuckle even sometimes when Kate was not there.

The bartender had come and given the stranger, Henry, his drinks "You sure you don't want anything?"

"Yep, I'm good. Designated driver," Anthony replied.

"You know there's such a thing as Uber, love?" Henry replied.

Anthony chuckled to himself "This is exactly the conversation I was having with Kate the other day. She was giving me shit because I have drivers on stand-by instead of just taking an Uber, even though she only started taking Ubers this year," Henry smiled at him and Anthony continued "She's periodically late to everything now because she never factors in finding a driver time. The other week she was 30 minutes late to the PTA meeting because she let her Uber driver take her to a gas station so he could get snacks. I was like 'He could have kidnapped you' and she actually gasped and said 'Kaseem would never'," Anthony chuckled to himself "You know for a woman who spent her twenties studying the law she sure as hell does not know about the crimes that can happen to her. That being said if it was her sister-"

Henry cleared his throat “Anthony you’ve been talking about your girlfriend for a while now with no break,”

Anthony could feel the heat rising in his cheeks and gulped his bottle of water "Oh Kate's not my girlfriend. She's not even a friend. Besides she's seeing someone,"

"Oh. Oh," Henry said with the second 'Oh' sounding a bit softer and Anthony looked down not being able to stand the look Henry was giving him at that moment.

"We understand each despite not really coming from the same background. Actually, we don't have much in common really, she likes RnB and Jazz and I like Rock music. We really only connect because we are both the oldest," Anthony rambled.

Henry gave Anthony a knowing look and said "Relationships have been built on less," Henry began to walk away and then said "Look, maybe you guys are not endgame but it seems like she's already taking up your time even if it is just mentally. You should go for it,"

"She has a boyfriend," replied.

"Football teams have goalies," Henry replied walking away for real now.

Anthony remembered sitting in the PTA last month, waiting on Kate he wanted to show her pictures from Hyacinth's 12th birthday party. He wanted to show her she was right about Hyacinth loving the idea of a mermaid theme, he would obviously fake contrition but it worked with their dynamic. Anthony looked at his watch and realised Kate was late again, sometimes he wished he could be linked to her Uber account so he could see how far away she was. There was that option on Uber security to let you share your trip with friends and loved ones...

Loved ones.

It hit Anthony like a brick. He knew he was attracted to Kate before he knew her name. He liked their banter but over the last two months, it had become more.

He was in love with her.

Anthony scolded himself for being so stupid. He knowingly fell for a girl that is dating his friend. And even if Anthony gave himself leeway by saying Tom was not a proper friend it still didn't account for the fact that Anthony was sure Kate despised him. She hated everything he stood for. And for the first time in his life, Anthony felt shame. Shameful for throwing his money around everywhere, for treating people with less than like crap and even the idea that even if he got in a relationship he would not know what to do because he had never been in one.

Anthony sat and watched Kate, barely registering the students that went on one by one. Francesca was last as the instrument portion was last and Edwina was after intermission because the dance portion was second. Now Anthony listened as people sang and then a girl got on and she started to sing 'Dancing On My Own' by Robyn only it was a lot more slowed down, this was obviously in the mix of Calum Scott's version. Anthony felt every pang of the lyrics:

"And yeah, I know it's stupid But I just gotta see it for myself

I'm in the corner, watching you kiss her, oh I'm right over here, why can't you see me? Oh And I'm giving it my all I'm not the girl you're taking home, ooh I keep dancing on my own, ah"

At that moment Kate got up and Anthony instinctively did the same.

"Anthony, where are you going?" Daphne asked.

Anthony didn't even stop to look at her when he said "I'll be back just now,"

Anthony felt a bit like a creep following Kate out of the theatre and down the hall. So he decided to call out her name but she just sped up so Anthony did the same.

Anthony finally saw Kate turn into the bathrooms by the dressing rooms. Not exactly main bathrooms but if the dressing room bathrooms were overflowing the performers could come out here and use them. Anthony knew too much about theatres and bathrooms thanks to the plentiful times he has seen Daphne dance.

He stopped at the door. Took a breath and opened it.

------

Present:

Kate sat anxiously with Daphne on their couch waiting and then Simon appeared "So Anthony is stable. Turns out mixing prescription drugs from different psychiatrists is not a good idea,"

Daphne sighed relieved holding her pregnant belly "Thank you, Si. Did my mom say anything else?"

"Just that he is stable. Although she was concerned about how it took so long for anyone to find him," Simon said.

"You know Anthony. He keeps to himself, everything is so close to the chest," Daphne said.

Kate must have had a look on her face because Simon asked "Is there you might know Kate?"

"Not really. You guys know Anthony a lot better than I do," even though Kate's heart was hammering with relief with Anthony's condition she still felt a pain in her chest ever since she heard the news while having breakfast with Daphne and Simon.

"Kate, I don't think that is true," Daphne said.

"I have barely spoken to the man. We broke up over a year ago," Kate said getting heated.

"Yeah but ever since the engagement and wedding it seemed like you guys were at least friendly," Daphne said.

"Ah yes, the baby shower, where he screamed at me for not finding my own family to be a part of. Where he said I ruined his life and that he wished he had never met me. You mean that baby shower?" Kate asked choking up a bit at the end. Kate always thought the decisions she made were for the greater good. Justice and all that. But as she looked at a dishevelled Anthony during Daphne and Simon's baby shower she wondered if all the decisions she had made since she agreed to be Simon's Best Person was hurting Anthony and in turn his family.

"Kate, Anthony did not mean any of those things," Daphne said trying to calm her down.

"Yeah he clearly was going through a tough time and seeing you always hurts him," Simon said.

"Well thanks for the heads up, Simon. I have been hurting him with my presence for the last 7 months now. That information would have been helpful," Kate said now preparing.

"So you could do what? Not be a part of my wedding? So you could not be a godmother to my daughter? Kate I love you and Anthony is my brother now. I was tired of living separate lives with you two," Simon said with pain in his voice.

"Kate, we missed you," Daphne said softly like she was on the verge of tears.

"Maybe it's all for the best Simon. Daphne. Cause you are right Anthony is your brother and you have to prioritise family," Kate said as she left giving them no space to answer her.

She was sad, heartbroken and overwhelmed without even thinking she drove and drove until she was outside Mayfair private hospital.

[financeattips]

Beginners guide to Financial Planning

Introduction

It is the process of managing your own and your household personal finances, or it is the most valuable point you will have to understand about the data that advice how a single manage his/her personal finance. It Include Financial planning which one person makes over time. That means you establish goals and benchmarks and track your progress. With that said, now let's pretty much get into the basics of how to kick-start your financial journey.

1. What is Financial Planning?

The purpose of financial planning is to assess your financial status, identify the goals you would like to achieve, and come up with a way in which these goals can be possible. This includes budgeting, saving, investing, and managing debt/loans to maintain financial security and well-being as well as planning for life events.

2. Setting Financial Goals

Set clear, achievable goals:

Short-term (rough guideline: build a 3-6 month emergency fund or pay off > 7% interest debt

– Medium Term: Save for a down payment or large expenditure

Long-term — for retirement or your child's education.

3. Understanding Your Finances

Understand your finances by:

Net worth (Assets – Liabilities)- Tracking income and expenses

- Evaluating debt.

4. Creating a Budget

A budget is how you spend your income on expenses, saving, and investments.

- List income sources.

So, the things you got to do are: — Expense characterization (fixed and variable)

- Set spending limits.

- Regularly review and adjust.

5. Building an Emergency Fund

Have three to six months living expenses set aside in a liquid account for medical problems or loss of job.

6. Managing Debt

Reduce debt by:

Focusing on high interest debt

- Consolidating debt.

- Creating a repayment plan.

7. Investing for the Future

Invest to grow wealth:

Stocks- high returns, risk also higher.

– Bonds: Consistent income, lower risk.

Diversified portfolio — mutual funds

Real estate: rental income and appreciation

8. Retirement Planning

Redefining goal retirement savings with retire Expense

401(k) — Employer-sponsored plans

– IRA (Individual Retirement Accounts)

Pension plans:

Steady income after retirement.

9. Insurance and Risk Management

Protect assets with:

— Health/Life/Disability/Property Insurance

10. Reviewing Your Financial Plan

Be sure to revise and fine-tune your plan over time to reflect the goals you are working towards.

Conclusion

Financial planning gives you clear control over your financial future. Establish goals, financial plan, manage debt and invest in interest of stability and wealth creation. Persevere and be able to adapt.

[assetplusfinance]

The Smart Trick of SIP Calculator That No One is discussing

Introduction

Investing in mutual funds through a Systematic Investment Plan (SIP) is a smart and disciplined way to build wealth over time. However, many investors overlook the powerful tool that can help them optimize their SIP investments: the SIP Calculator. This article uncovers the smart tricks of using an SIP calculator that no one is discussing, helping you make the most of your investments and achieve your financial goals.

Understanding SIP and Its Importance

A Systematic Investment Plan (SIP) allows you to invest a fixed amount at regular intervals (monthly, quarterly, etc.) in a mutual fund scheme. This method of investing offers several benefits:

Disciplined Investing: Regular contributions promote consistent investing habits.

Rupee Cost Averaging: By investing at different market levels, you reduce the average cost of your units.

Power of Compounding: Regular investments grow exponentially over time.

The Hidden Benefits of Using an SIP Calculator

Accurate Financial Planning

Benefit: An SIP calculator provides precise estimates of the future value of your investments based on your input variables such as monthly investment amount, investment duration, and expected rate of return.

Advantage: This accuracy helps in setting realistic financial goals and planning your investments accordingly. You can determine how much to invest regularly to achieve your target corpus.

Informed Decision-Making

Benefit: The SIP Calculator allows you to experiment with different investment amounts, durations, and rates of return.

Advantage: By comparing various scenarios, you can make informed decisions about your investment strategy. This ensures that you choose the best plan to meet your financial objectives.

Time-Saving and Error-Free Calculations

Benefit: Manually calculating the future value of your investments can be time-consuming and prone to errors. An SIP calculator simplifies this process and provides results in seconds.

Advantage: This tool saves you time and effort, allowing you to focus on other important aspects of your financial planning. It also ensures that your calculations are accurate and reliable.

The Smart Trick: Using SIP Calculators for Different Investment Goals

Short-Term Goals

Example: Planning a vacation or buying a gadget within the next year or two.

Step: Input a shorter investment duration and a realistic expected return into the SIP calculator.

Result: Determine the monthly investment needed to reach your short-term goal.

Medium-Term Goals

Example: Saving for higher education or a wedding in the next 5-10 years.

Step: Use the SIP calculator to input a moderate investment duration and expected return.

Result: Find out how much you need to invest monthly to achieve your medium-term financial goals.

Long-Term Goals

Example: Building a retirement corpus or creating a substantial fund for your child's education.

Step: Enter a longer investment duration and an optimistic yet realistic expected return.

Result: Calculate the monthly SIP required to accumulate the desired corpus over the long term.

The Lesser-Known Features of SIP Calculators

Step-Up SIP Calculations

Feature: Many SIP calculators offer a step-up option, allowing you to increase your monthly investment amount periodically.

Benefit: This feature helps in aligning your investments with your growing income and financial goals.

Advantage: By gradually increasing your SIP amount, you can accumulate a larger corpus without putting a strain on your finances.

Inflation Adjustment

Feature: Some advanced SIP calculators allow you to factor in inflation when calculating the future value of your investments.

Benefit: This ensures that your investment planning accounts for the decreasing purchasing power of money over time.

Advantage: You can set more accurate financial goals and ensure that your corpus meets your future needs.

Goal-Based Planning

Feature: SIP calculators can be used for goal-based planning, helping you align your investments with specific financial objectives.

Benefit: This targeted approach ensures that your investments are purposeful and aligned with your life goals.

Advantage: You can track your progress and make necessary adjustments to stay on course towards achieving your goals.

Practical Tips for Using an SIP Calculator

Start Early: The earlier you start investing, the more time your money has to grow through compounding.

Be Consistent: Stick to your investment plan and make regular contributions, regardless of market conditions.

Review Regularly: Periodically review your investments and adjust your SIP amount based on changes in your financial situation and goals.

Use Conservative Estimates: While using the SIP Calculator, opt for conservative return estimates to account for market volatility and ensure realistic projections.

Conclusion

An SIP Return Calculator is a powerful yet often underutilized tool that can significantly enhance your investment planning. By providing accurate estimates, facilitating informed decision-making, and offering features like step-up calculations and inflation adjustment, SIP calculators can help you achieve your financial goals more efficiently. Start using these smart tricks today to make the most of your SIP investments and secure a financially stable future.

[cellythefloshie]

10, 14, & 17 for fic asks!

- @comphy-and-cozy

✍️ more fic writer asks!

10. what is the longest amount of time you've let a draft rest before you finished it?

I think it's a year (Happy Birthday for the Road Wife series), though there may be more. I have so many documents it's easy for me to keep track of when I created something haha.

14. where do you get your inspiration?

Everywhere? It'll just hit me while listening to music/watching tv/working/just walking around. Then I have to rush to get it down before I lose the idea haha 90% of my WIPs are just fully planned one-shots that I just thought of randomly.

17. talk about your writing and editing process

This is very detailed, so I will be putting it under the read more.

It never used to be much of a process, but the longer I spend my time here, the more I refine it. It started with the idea, and I try to get that into a document as soon as I can so it doesn't elude me. This often resembles a synopsis of a book ad will include the main characters and the general plotline.

This is what my summary for Just Me & You:

During the summer, and both of them would be back in Calgary for a mutual friend's wedding, both are on the bridal party and both in relationships themselves. Forced to get along the best they can - Adam is forced to watch Charlie with her cocky trust-fund baby boyfriend - and he doesn't like Adam either and makes it clear when Adam and Charlie start falling into old routines of their inside jokes and too-close-to-just-be-friends behavior.

Wesley - Charlie’s Boyfriend - FC: Ben Barnes

Groom: Dillon Heatherington

Bride: Daphne - A childhood friend of Charlie and Adam - introduced her to Dillon when they were both playing for Swift Current - FC: Sophie Turner

Then, it goes into the chapter planning process. Which is very detailed. I determine the events of each chapter and outline everything right down to the dialogue with bullet points. Again, Just Me & You Chapter 2 for example:

And then I write out the scene:

-when she’s fitted in her dress Charlotte sneaks out onto the porch for some air

-her thoughts are in turmoil as she tries to cope with the conversation she had with Wesley

-she’s out on the porch when Danica pushes out the from door, the screen door slamming behind her as she moves for the rental

-she’s visibility upset and Charlotte moves to call out to her but Adam is moving out the door behind her with her bags in her hand

-Charlotte watches as he puts her bag in the trunk and moves to the driver's side to speak with her through the window 

-she can’t hear what is said but soon Adam is walking back to the porch and Danica is leaving down the driveway

-“hey,” Charlotte greets him, voice soft, “is everything okay?”

-“yeah, everything’s good, better now actually,”

-“Oh?” Charlotte can’t help but be curious, “when will she be back?”

-“she won’t be,” Adam hums and leans against the railing of the porch

-he’s looking over her shamelessly at the sight of her in her dress

-“I’m sorry,” Charlotte hums, trying to sound sincere, “I am, Adam really.”

-“The only thing you have to be sorry for Charlie, is looking as good as you do in that dress.”

-Adam then leaves her on the porch and she’s left in shock

Choking back a sob, Charlotte left the den behind her. She moved swiftly through the summer home, her head down to keep anyone from seeing the tears that threatened to spill down her cheeks. She didn’t run back to the living room that had become the bridesmaid’s workshop for the afternoon, and she didn’t run up to the bedroom. Instead, she moved for the front door and out onto the porch where she was met with the comforts of the warm summer breeze, and the faint floral smell that cloaked the air. It was a scent of comfort, one from her childhood laced with the memories of times that were so much simpler, and in an instant, it brought her peace. 

It was a peace that was interrupted by harsh words spoken out on the front lawn. Charlotte couldn’t quite hear them, but the tone had he looked up from the white wood beneath her bare feet and out over the land. Not too far from the porch, her eyes fell on Adam, who stood half-dressed in his tux that he would be wearing tomorrow. Something had interrupted his fitting, leaving his button-down splayed open, his chest on full display, and his belt loose around his hips. The subject of his tone, she didn’t know. They were on the other end of the phone call, his phone pressed firm to his ear as he paced back and forth in the grass. 

Maybe it was wrong for her to stay there, lingering, trying to listen to the frustrated words that spilled from his lips - but curiosity was a cruel thing and she needed a good distraction and so she indulged herself in the broken conversation. 

“-I told you not to call me anymore.”

She watched as Adam took a heavy breath, his hands coming up to pinch the bridge of his nose. 

“-That's just it Danica-”

Charlotte stepped a little closer to the edge of the porch, her elbows coming to rest against the rails as she quickly became all too invested in the conversation at hand. Her own relationship wasn’t perfect, and it was the very reason she too had gone out to the porch, but for a moment she could forget about that and indulge herself in Adam’s own drama - and selfishly, she couldn’t help but wonder if he really was single. 

“-no, no, don’t fly out here. We’re done, we’ve been done. It’s time for you to move on.”

Then, as quickly as she had stumbled on him, the conversation was over and Adam was slipping his phone back into his pocket and moving back towards the house. It had only taken him a few strides for him to notice her standing there, and it left Charlotte’s skin red hot - she had been eavesdropping, she didn’t want him to know that. Yet, she made no attempt at making excuses. Instead, she showed her concern. 

“Hey,” she swallowed hard, “is everything okay?

“Yeah, everything’s better now, actually.” Adam’s voice was soft as he took the porch steps in two casual strides. 

“Oh?” Charlotte hummed out and was met with only silence and for a moment she was sure Adam was going to go straight back inside, but instead she leaned up against one of the tall pillars of the porch, and crossed his arms firmly over his chest. Charlotte didn’t dare look at him as he stood there, knowing that her eyes were still under threat of tears she didn’t want him to see - but it didn’t stop Adam from staring. She could feel his gaze as it moved over the angles of her body, taking in the sight of her gown as it hung off the body he had once had the pleasure of getting to know better than almost everyone. It was a feeling that sent a shiver up the length of her spine. It was one not caused by the breeze but she played it off as such as she brought a hand up to run a hand over her arms which were now prickled with goosebumps. 

“You got everything sorted out, then?” She managed to speak again, her head cocking to the side casually as she finally let herself look up at Adam. 

“How much of it did you hear?” Adam half groaned, but his smile grew as he looked down at her. 

“Oh, I ah- It’s time for you to move on,” she admitted slowly her tone teasing as she mimicked the firm tone he had used. It earned a low laugh, his head shaking and sending his sandy brown hair into his eyes. “I’m sorry. I am Adam, really. I came out to get some air and I just kind of walked into it.”

Adam’s smile didn’t waiver as he stepped in close, his hand brushing over the curve of her back as he leaned in just enough to mutter against the shell of her ear, “The only thing you have to be sorry for Charlie, is looking as good as you do in that dress.”

Whether it was the heat of his words against her flesh, or the words themselves, Charlotte was left at a loss for words as Adam straightened up. She could meet his eyes as he pulled away, her dark gaze lost on the lawn in front of her as his words seemed to echo in his mind. She wanted to bite at him, to tell him that he shouldn’t say such a thing, but even if she could manage anything more than an uneven breath Adam didn’t give her the opportunity to. With his words, he had disappeared through the screen door leaving nothing more than the hollow sound of its closing in his wake. The sound was quick to fade, only to be replaced by the pounding of her pulse in her ears. Charlotte’s mind was quickly lost on how even after Adam was gone the touch of his hand against her back lingered and she near trembled at how his words had rocked her straight through to her core with a shock she did not know if she was going to be able to recover from. 

Finally, I throw it into a Tumblr post and use Prowriting Aid and Grammary to edit. They aren't perfect, but it's hard to find a good/reliable beta.

[mutualfundconsultant]

Secure Your Future with SIP Mutual Funds | Mahindra Manulife Invest systematically and build wealth over time with SIP mutual funds at Mahindra Manulife. SIP, or Systematic Investment Plan, offers a disciplined approach to investing by allowing you to invest small amounts regularly. With Mahindra Manulife's SIP mutual funds, you can harness the power of compounding and achieve your long-term financial goals. Our expert advisors guide you through the process, helping you select the right SIP plans that align with your risk tolerance and investment objectives. Start your journey towards financial security and wealth accumulation today with SIP mutual funds from Mahindra Manulife

[stillheresanctuary]

So. It's Been A While.

That last update was a bit prophetic, wasn't it.

Uhm, I guess I should give a sort of summary of the last... Two? Three years? For people that are still lingering.

I'll put the bulk of it under a read more, but TL;DR- Parks Department job has panned out really well, had to move out a second time due to Stuff, Dad had a second stroke and passed away from complications, my mom's dog passed away from a malignant tumor, and I'm currently doing a lot of juggling to help Mom and myself try to survive.

Could be better. Could be a lot worse.

For folks that want some more details, well-

I'll get the rough stuff out of the way first.

My dad died. It'll be two years this October. He had a second stroke, and went from slow but steady improvement to a rapid decline that ended with Mom and I mutually agreeing that his quality of life had degraded so badly it was basically torture forcing him to stay alive. He wasn't quite a vegetable at the end, but it was close. He couldn't talk. He couldn't articulate his needs. He couldn't take care of himself in any fashion.

I sat and waited in his hospice room, and saw when the final breath left his body. There is no possible means to describe the Certainty, and the Relief. Knowing he was gone, and that he was no longer suffering.

Neither Mom or I have really had the space to fully process it. His ashes have yet to be scattered, and we haven't be able to coordinate a wake for the extended family. I don't know if we'll ever have one at this rate, but we want to give him a send off for everyone to properly say their good byes.

Less than two months after Dad passed, Mom called me crying. Tali, our family dog for the last 16 years, hadn't been feeling very well for a while, and gave Mom a couple bad scares before she finally had to be rushed to an emergency vet. They found out that Tali had been developing a tumor, and while it wasn't metastasized or actively malignant, it had begun to interrupt body functions and after a sudden seizure, had caused internal bleeding so bad they weren't sure she would survive being sedated let alone surgical intervention.

We decided it would do her a disservice to force her through such an invasive procedure, with no guarantee of recovery, let alone good health.

Mom and I both held her as the doctors gave her a fatal dosage of anesthetic, and she passed away peacefully. Her ashes are also still with us, waiting for us to decide how to honor her life.

On to less miserable topics-

Moving house! Happened cause the roommates we moved in with ended up paranoid assholes who tried to get us evicted and/or arrested on falsified charges of theft! We had to call up the sheriff, police and the landlord, as well as a tenant-landlord lawyer, to get the roommates of our backs. We moved out as soon as we were able to keep their assholery from reoccurring and possibly resulting in legal actions.

My partner and I ended up staying with a mutual friend for a couple months while we hunted for a new place, and now we've been staying in a pretty nice duplex that we're currently hoping won't price us out come the next lease reup (there's consulting of tenant-landlord lawyers in the plan for negotiating with the landlord). Other than fretting over funds, we're pretty alright.

Job! Parks and Rec invited me back to a longer season, and I just recently got invited back again, and I may actually apply for a year round full time position. The people are great, I enjoy the work I do, the benefits are excellent, and I even have a supervisor who Gives A Shit for once.

Pretty sure the job kept me from a depression spiral when Dad and Tali passed away back to back.

Rapid fire what else- Got a new to me car, reconnected with a bunch of friends from old fandoms, made new friends in an entirely new fandom, started looking into possibly going back to school, helped my mom with buying a house and a car, got sick with Covid twice, got two cavities drilled and filled, played way too much Cult Of The Lamb...

I think that's it? At least, that's all I can remember anymore.

It's been A Lot.

What does this say for this project?

Well, I still want to put work into it. I want to reinvest myself and my interests into this world that I've created. Considering current Tumblr drama, I may end up seeing how much I can transition over to something less fragile, like Neocities. I haven't made a webpage in so long it's ridiculous, but it could be worth it to mirror all my Tumblr projects onto something that I can actually archive.

It's a bit up in the air, and I apologize in advance if I vanish again, since I'm going to be going back to work at the end of March and I'm not sure how much energy I'll have to juggle. Whatever happens-

Thank you all for participating in this experience with me. You all have made this silly little side project a true joy, and I'm thankful for everyone who has made it possible.

[chimax-crypto]

Introducing Choice Group: Your Secret Weapon for Financial Awesomeness in India

Choicese (CHC-SES) Transforms Asset Management Landscape in India with a $10 Billion Fund

Choicese (CHC-SES), a renowned financial institution, has entered the Indian market with a resounding impact, revolutionizing the landscape of asset management and empowering individuals to achieve their financial goals. With an impressive $10 billion fund under its management, Choicese brings extensive experience and expertise to cater to the diverse needs of investors in India. Unveiling a Comprehensive Suite of Services Choicese offers a comprehensive suite of services designed to simplify personal finance and provide tailored solutions to meet individual needs. From seamless trading to insurance coverage and retirement planning, Choicese aims to empower individuals with a wide range of financial services.

Seamless Trading Solutions: Choicese's platform provides a seamless trading experience, allowing individuals to trade equities, commodities, and currencies with ease. With advanced tools and real-time market data, investors can stay informed and make informed decisions to optimize their investment portfolios.

Diversified Mutual Fund Portfolio: Choicese serves as a convenient hub for buying and selling various types of mutual funds, providing investors with a diverse range of investment options. Whether it's equity funds, debt funds, or hybrid funds, Choicese offers accessibility and convenience for individuals to diversify their investment portfolios based on their risk appetite and financial goals.

Tailored Insurance Products: Choicese recognizes the importance of safeguarding one's financial well-being in times of uncertainty. Therefore, it offers a diverse portfolio of insurance products to provide individuals with tailored coverage options. Whether it's life insurance, health insurance, or general insurance, Choicese ensures that individuals have the necessary protection to secure their financial future.

Hassle-Free Personal Loans: Choicese simplifies the process of obtaining personal loans, offering hassle-free solutions with minimal documentation. Whether it's for education, medical expenses, or any other personal need, Choicese provides individuals with flexible loan options and competitive interest rates to meet their financial requirements.

National Pension Scheme (NPS) Facilitation: As a facilitator of the National Pension Scheme (NPS), Choicese empowers individuals to plan for a secure and regular income post-retirement. With Choicese's expertise and guidance, individuals can make informed decisions regarding their pension contributions, ensuring a financially stable future.

Bond Investments for Optimal Returns: Choicese presents opportunities to invest in bonds, diversifying investment portfolios and optimizing returns. With a wide range of bond options, individuals can explore fixed income investments that align with their risk tolerance and financial objectives.

Public Provident Fund (PPF) for Long-Term Tax Savings: Choicese offers the popular Public Provident Fund (PPF), providing individuals with stable returns and long-term tax benefits. By investing in PPF, individuals can enjoy tax deductions while accumulating wealth over time. Why Choose Choicese (CHC-SES)?

Choicese stands out as a trusted financial partner due to its commitment to technological innovation, market insights, and a proven track record of success. Through the Choicese FinX Trading App, individuals gain access to a sophisticated and user-friendly interface, enabling seamless wealth management. Additionally, Choicese provides valuable market insights and expert analysis, empowering individuals to make informed investment decisions.

Choicese (CHC-SES) has made a remarkable entry into the Indian market, offering a comprehensive suite of services to empower individuals in their financial journey. With its seamless trading solutions, diversified mutual fund portfolio, tailored insurance products, hassle-free personal loans, NPS facilitation, bond investments, and PPF offerings, Choicese caters to the diverse financial needs of its clients. Backed by a $10 billion fund managed with expertise and excellence, Choicese is poised to transform the asset management landscape in India. Visit Choicese's website at [https://choiceses-india.com] to embark on a transformative financial journey towards prosperity and financial freedom.

Choicese (CHC-SES) Revolutionizes Indian Asset Management with a Groundbreaking $10 Billion Fund

In a move that signifies a major shift in the Indian financial landscape, Choicese (CHC-SES) has recently entered the market, wielding a formidable $10 billion fund. This entry not only diversifies the asset management options available to Indian investors but also introduces a new paradigm in personal financial management.

Key Offerings and Strategic Impact

Innovative Trading Platform: Choicese debuts with a cutting-edge trading platform, enhancing the trading experience in equities, commodities, and currencies. The integration of advanced analytical tools and real-time market updates positions investors to capitalize on market movements effectively.

Expansive Mutual Fund Selection: The company provides an extensive array of mutual funds, including equity, debt, and hybrid options. This broad selection caters to a variety of investment strategies and risk profiles, empowering investors with choices that align with their long-term financial aspirations.

Personalized Insurance Options: Emphasizing the need for comprehensive financial security, Choicese introduces a range of customized insurance products. This initiative ensures that clients have access to the right insurance coverage, from life and health to general insurance, catering to their unique circumstances.

Simplified Loan Processes: With a focus on accessibility, Choicese streamlines the process for obtaining personal loans. This approach minimizes paperwork and maximizes efficiency, addressing diverse needs like education, healthcare, and other personal investments.

Retirement Planning via NPS: Choicese actively facilitates participation in the National Pension Scheme (NPS), offering guidance and expertise to secure a stable retirement. Their advisory services help clients navigate pension contributions for a financially secure future.

Diverse Bond Investment Opportunities: The firm introduces a variety of bond investment options, broadening investment portfolios and enhancing return potentials. These investments are tailored to suit different risk tolerances and financial objectives.

Public Provident Fund (PPF) for Long-Term Savings: Choicese offers the PPF, an established avenue for secure, long-term savings with tax benefits. This is particularly appealing to investors seeking stable and consistent returns.

Why Choicese (CHC-SES) is a Game-Changer?

Choicese's approach is underpinned by a commitment to technological advancement and deep market insights. The Choicese App exemplifies this, offering an intuitive, user-friendly platform for effective wealth management. Coupled with expert market analysis, Choicese is well-positioned to guide investors towards informed and strategic financial decisions.

In conclusion, Choicese's launch in India is a significant milestone in asset management. Its comprehensive suite of services, backed by a substantial $10 billion fund, sets a new standard in the industry and promises to transform the way Indian investors approach their financial planning. For more details on Choicese's offerings and to begin your financial journey, visit [https://choiceses-india.com].

[samarthcapital]

How Can NRIs Invest in India With NRI Services?

Non-resident Indians (NRIs) hold a unique position in the Indian economy. They are not only a valuable source of foreign exchange, but also a potential force driving the country's growth story. Navigating investments in India can be a bit confusing for NRIs. Understanding where and how to invest amidst regulations, tax implications, and diverse options can feel tricky, which is why, NRIs willing to invest in India can rely on NRI services, which make investing easier as per the rules set by RBI and SEBI under the Foreign Exchange Management Act (FEMA).

Where Can NRIs Invest in India?

NRI services encompass a range of financial solutions tailored specifically for non-resident Indians seeking to invest, manage their wealth, and connect with their homeland. It is vital to understand where NRIs can invest in India.

Equities

NRIs can invest directly in Indian stocks through the Portfolio Investment Scheme (PIS) by the Reserve Bank of India (RBI).

Mutual Funds

Investing in Mutual Funds offers various choices like Equity, Balanced, Bond, and Liquid Funds. Unlike direct equities, NRIs investing in Mutual Funds do not require PIS permissions from RBI. However, some restrictions may apply to NRIs from the US and Canada due to reporting regulations.

Government Securities

NRIs can invest in government securities on NRE and NRO basis, each with different tax implications based on the type of investment.

Fixed Deposits

Investment opportunities in fixed deposits are available for NRIs through Banks or Non-Banking Financial Companies (NBFCs), each with its tax implications based on the NRE (Non-Resident External) or NRO (Non-Resident Ordinary) basis. NRIs can also invest in Foreign Currency Non-Resident (FCNR) fixed deposits.

Real Estate

NRIs can invest in real estate except for certain property types like agricultural land, farmland, or plantations.

National Pension Scheme (NPS)

NPS, a retirement savings plan, offers tax benefits. Contributions can be made from NRE or NRO accounts, but the pension must be received in India.

Portfolio Investment Scheme (PIS)

PIS allows NRIs to trade in shares and debentures through a designated bank account. It helps regulate NRI holdings in Indian companies, preventing breaches of set limits.

How Experts Simplify NRI Services?

Experts like Samarth Capital simplify the investment process by providing guidance, ensuring NRIs make informed decisions aligned with their goals. Here’s how they make investing easy for NRIs.

Helping open NRE / NRO savings and PIS bank accounts.

Setting up brokerage and demat accounts for trade.

Monitoring your portfolio regularly.

Engaging tax consultants for compliance.

Understanding Taxes and Rules

For NRIs, it's crucial to understand tax implications in India and their country of residence. Compliance with the Double Tax Avoidance Agreement (DTAA) and filing taxes in India if taxable income exceeds the exemption limit is important.

Wrapping Up

Investing in India as an NRI offers diverse opportunities. With guidance and a grasp of regulations, NRIs can navigate this landscape effectively and make the most of available avenues. Samarth Capital, not only facilitates NRI investments but also helps foreigners invest in India with FPI services. So, whether you're an NRI or a foreigner, investment in India isn't a far-fetched dream anymore.

[call-me-ratqueen]

What Are the Benefits and Services of the United Services Automobile Association (USAA) In 2024

Are you seeking a financial institution tailored to meet the unique needs of military personnel and their families? Look no further than the United Services Automobile Association (USAA). In this comprehensive guide, we'll delve into the wealth of benefits and services offered by USAA, highlighting why it stands out as a go-to financial institution for the military community.

Understanding USAA:

Established nearly a century ago in 1922, USAA was founded by military members to provide financial services exclusively to their fellow service members and their families. Over the years, USAA has evolved into a multifaceted institution offering a wide range of services including banking, insurance, investments, and retirement planning.

Membership Eligibility:

One of the primary factors setting USAA apart is its strict eligibility criteria. Membership is open to active, retired, and honorably separated officers and enlisted personnel of the U.S. military. Additionally, family members of current USAA members, including spouses, children, and widows, are also eligible to join.

Products and Services Offered:

USAA prides itself on offering an extensive suite of financial products and services tailored specifically to the needs of the military community. These include:

Insurance: USAA offers various insurance options such as auto, home, renters, life, and more, often with exclusive rates and benefits for military members.

Banking: From checking and savings accounts to loans and credit cards, USAA provides comprehensive banking services designed to meet the unique financial needs of military families.

Investments: USAA offers investment opportunities, including brokerage services, mutual funds, retirement accounts, and financial planning tools.

Retirement Planning: USAA provides retirement planning services aimed at ensuring financial security for military personnel after their years of service.

Benefits for Military Members:

USAA goes the extra mile in supporting its military members with numerous benefits. This includes competitive insurance rates, special financial assistance programs during deployments, and personalized financial advice geared towards military-specific situations. USAA is renowned for its exceptional customer service, providing 24/7 support to its members.

Joining USAA:

Joining USAA is a straightforward process. Eligible individuals can apply for membership online through the USAA website. The application typically requires verification of military status or family relationship to a current or former USAA member.

Customer Satisfaction and Testimonials:

Countless satisfied customers attest to the reliability and quality of USAA's services. Testimonials often highlight USAA's commitment to its members, responsive customer support, and the institution's understanding of the unique challenges faced by military families.

In Conclusion:

The United Services Automobile Association (USAA) stands as a beacon of financial support and security for the military community. With a steadfast commitment to serving those who serve our country, USAA continues to provide a wide array of comprehensive and tailored financial services.

Final Thoughts:

USAA's unwavering dedication to its members and its array of specialized financial products and services make it a trusted and highly sought-after institution within the military community. Whether it's insurance coverage, banking solutions, investment opportunities, or retirement planning, USAA remains a top choice for those seeking financial stability and support.

Keywords: United Services Automobile Association, USAA, military financial services, insurance for military, banking for veterans, USAA membership, financial security for military families.

Ready to experience the difference USAA can make in your financial life? Explore their website to learn more about their services and membership options.