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volcanokids · 4 years ago

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Hey idk who needs to hear this but the shit going on with Robinhood and Gamestop right now should make you really fucking angry and I’ll tell you why

If you’re not up to speed on the situation, here’s some good posts explaining it. The gist is that using completely legal means, a bunch of individual retail investors (fancy words for normal ass people who, like the rest of us, have very little money) who invest on online brokerage apps (like Robinhood) bought stock in Gamestop after hedge funds worked hard to manipulate the market for their own gains. These average people interrupted the plans of these much larger hedge funds to essentially drive Gamestop’s stock price into the ground by buying all of the stock these companies had and holding onto it, which has now costed these hedge funds BILLIONS of dollars, and for once has disrupted their long standing practice of market manipulation to fuck people over and maintain the wealth of the 1%.

Otherwise average people with accounts on Robinhood, Fidelity, Webull, etc., have now taken and held a ridiculously huge amount of control over GME stock and the rich corporations invested into it and caused it’s growth to absolutely explode. I’ve seen COUNTLESS stories in which many of them turned hundreds of dollars into thousands, made enough much needed money to pay off debts, medical bills, or just to put into savings that they wouldn’t have gotten under other circumstances. They accumulated small fortunes and gave power back to the people, and best of all took that money directly out of the hands of greedy and corrupt billion dollar hedge funds.

But of course, there had to be backlash for this.

Last night (1/27), Robinhood took away its investors’ ability to buy any more stock in Gamestop than they already owned, and today has made its user base fully unable to trade Gamestop stock AT ALL unless it is to sell their already owned shares, like literally fully took away the button that lets you purchase GME stock, period. Straight up preventing trade like this to any degree in the free market, much less to favor billion dollar corporations, is incredibly blatant market manipulation which is very illegal, hence the class-action lawsuit that has already been filed against Robinhood. Hedge funds have lost literally BILLIONS of dollars to normal people trading stock legally, and Robinhood halting trade and making selling the ONLY option for Gamestop, AMC, and similar companies is their attempt at helping the hedge funds gain back their fortune after they failed to manipulate the market in their favor, and fucking over the average people who are invested on their platform in the process.

Retail investors—regular people—when this happened, lost THEIR ability to buy, and therefore continue taking back the wealth held by the hedge funds, but this restriction on Robinhood has NO effect on hedge funds, who have now been able to buy and sell all day today (1/28) freely. They used the opportunity to drive the price of Gamestop down again, essentially trying to bail themselves out after they manipulated the market and fucked themselves over in the first place. So, Robinhood, several other trading brokers, CNBC, and any other large corporation who has pissed on Reddit for “manipulating the market” have also now revealed their alignment with these companies, who are the reason the wealth in America is as disparaged as it is. They’re complaining, shifting the blame, even making up straight up lies about retail investors being involved in the alt-right to defame the people who have beat them at their shitty game.

People on Reddit saw the manipulation, played the game fairly, and hedge funds are STILL trying to fuck them over for daring to touch the fortunes that they have gained by their shady as hell practices and fucked up the economy by hoarding. Reddit saw an opportunity to actually literally redistribute wealth, and these companies are trying to put us all in our place and keep that from happening by extremely corrupt means.

Market manipulation has been going on for a very long time with very little pushback from the people who actually take the blow when the market tanks—i.e. lower to middle class people who can’t afford bailouts and end up broke and out of jobs when the market crashes. The crash of ‘08 was caused by big brokers doing illegal shit and fucking around with people’s money with absolutely no personal repercussions. No lawsuits (or at least no lawsuits that did fuck all about it) no jail time for anyone responsible, nothing. Not only has this Gamestop movement taken back some of the wealth, we are beginning to finally hold these companies accountable. Again, as of right now, a class-action lawsuit has been filed against Robinhood for their blatant market manipulation, and hedge funds invested in GME have lost over 5 billion dollars.

We always talk about eat the rich, fuck the 1%, redistribute the wealth. I know the stock market is confusing—it’s made that way on purpose—and I understand anyone’s personal reluctance to participate in the stock market directly because of the hatred for it’s capitalistic nature and everything it’s done wrong and every way it’s failed so many people. But, if you want to actually be a part of a movement that is literally taking billionaire’s wealth and redistributing it right now, show support on social media for the people putting in time and money to make this happen.

I am not qualified at all to give financial advice, and I can’t in good faith tell anyone to buy stocks, ESPECIALLY knowing many, many people do not have the disposable income to be able to do so. Do not spend money you don’t have. But the media is going to and has been altering the narrative, making the small investors look like they’re being corrupt. Do not believe them. They’re often paid out or owned by these big corporations in the first place, they do not give a shit about any of us, about ruining our lives, about taking everything we’re worth. They’ve done it forever. But the HUGE number of people buying GME, supporting, and cooperating with each other with the solitary goal of fucking over these hedge funds, fighting them and beating them at their own game is scaring the absolute shit out of them. It’s becoming a movement that’s being compared to another occupy wall street. It’s showing people they have the power to instigate change and could legitimately lead to an entire restructuring of the system if we play our cards right. Of course changing one capitalist system into another capitalist system is not ideal nor is it the goal, but this whole thing has very quickly become a movement backed by A LOT of people who have knowledge about the system, have seen it work and seen it get corrupted in real time, acknowledged exactly where it fucks us all over, and are beginning to break it down by exposing a huge and obvious instance of corruption at the hands of billionaires.

If you can do nothing else, educate yourself about all the fuck shit these companies are doing, rally support on whatever social media you use, keep posting diamond-hands-we-like-the-stock-gme-to-the-moon-memes, put pressure on the brokerage apps like Robinhood who are manipulating the market and let them know there will be hell to pay. Robinhood is sitting at a well deserved one star review on the google play store for their shitty actions and has gotten burned over and over on twitter, lots of investors are planning a mass exodus and closing their Robinhood accounts when all this shit is over, as WELL as the lawsuit, and all of it has garnered the attention of some very influential figures who now have our backs. All of the repercussions they’re facing is the direct result of our outrage and backlash. Be outraged with us and let’s make real fucking change.

GME to the fucking moon everyone 🚀

#gme #gme to the fucking moon 🚀🚀🚀#gamestop #wall street #stocks #im sorry this is so long fdhjfbhjfarw pwease read it

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fideidefenswhore · 2 years ago

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Thoughts on the new AB series trailer?

general thoughts before i dive in,

this project is from the same creators/producers as the last czars about the romanovs, which was...trash, respectfully (tbf, they did actually cover the pogroms, which was shocking but, uh...other than that), so i don’t have high hopes. my expectations are that this will, to some extent, be trashy. there are some historians as panelists on this series whose work i really admire, i’m looking forward to hearing from them, but ultimately they didn’t have creative control, so i’m tempering my expectations with that knowledge.

so...yeah, it will probably be sensationalistic and trashy to some degree (i mean, i think that they’ve cast two soap stars as the leads is...a hint unto itself), i will probably have some issues with it. and yet, i don’t really mind, as i have that buddha nature ❤️

*cracks knuckles*

ok, let's begin:

the headband of maroon pipecleaners, the camo-esque pattern of the gown, the weird glitter-sequin coupling on the square neckline... my eyes are starving for beauty.jpeg

i’m guessing this is mary boleyn, but the way she’s asking it does not give off the vibe that she’s asking about someone mary herself has slept with before? more on that later (altho if this docuseries is going to argue the possiblity that mary boleyn wasn’t henry’s mistress, i believe it’ll be the first...beyond that, if they argue their affair ended before her marriage to carey, the same)

what if i told you i’m a mastermind? kinda vibe.

tbh, the idea that anne mandela effected henry viii into proposing marriage (second only to the depiction that she mentioned it as a joke, he took it seriously, and then she couldn’t back down from it...i mean, i would sort of potentially enjoy watching this even more, so long as it wasn’t some kind of TOBG bullshit, if only because it affords her more agency and that’s always more compelling to me than a character falling into something ipso facto ‘accidentally’) is so batshit that i’m kind of here for it (i mean, this is a docudrama, so. potentially i could enjoy that even if on the face of it is ludicrous; beyond marrying anne of cleves after their first meeting, there’s few times one can point to where henry did something he didn’t really want to do)

then again, given that this season will be three episodes, as per one of the contributors on twitter, this ☝️ exchange could just as easily be about henry percy. i almost think it fits that better.

this 👇 could be about settling for being henry viii’s mistress, or it could be about james butler (also in wolsey’s household at the time) versus henry percy as marital options for anne (assuming this is wolsey, which...yeah, i’ll go out on a limb, lol:

and one assumes this is henry percy:

particularly because she’s wearing the B necklace here...

whereas it seems like in scenes where she’s queen, she wears the HA pendant:

let’s continue.

well, she’s not wrong.

‘in an age’, well, i’d like to say we’re well beyond that age. but!

ok, let’s get down to the crux of the matter-- this seems to primarily be a documentary about henry & anne’s relationship (to call it a ‘romance’ has earned several, including the above, accusations of ‘abuse apologism’... even by one of the historians on the panel, so . interesting they wanted to contribute to this, but whatever). a lot of panic has been made about this, but the last on the subject, LWCH, did, by all accounts, treat anne’s predecessor fairly and poignantly? lipscomb said henry&anne were cruel to catherine, and even visited and paid reverence to her memorial. anne’s stepdaughter was not derided by the presenter, but was, for the most part, ignored (sort of an issue in and of itself, but i’m failing to recall any recent AB-centric drama that did not depict her fairly...the recent amc-adapted series was a very sympathetic portrayal, if not an in-depth one, but then, it was a miniseries)

so, getting into that (considering the focus on him in the promo photo releases, he seems to dip in and out scant times):

me @ the possibility of an actual portrayal of the “great reverence and a joyful countenance” moment 👇

SO IT’S GONNA BE FOREVER

OR IT’S GONNA GO DOWN IN FLAA-AAMES

real talk, there were two recorded fires during the time in which anne was queen. the first, in the summer of 1534, took down the charing cross mews/stables, which were adjacent to whitehall. the second, more infamous, was the ‘fire in her bedchamber’ of january 1536. considering the first is very little-known, the shot is of a bed and its hangings, and the second incident is now firmly a part of the tudor zeitgeist, my money is on the latter.

that, or it’s a heavy-handed metaphor for an incendiary sex life. which, like...

and then i peeped the borman influence (borman and weir are thick as thieves, fwiw), and i believe i’ve tracked it down to the second:

going for the recusant tradition, are we?

henry in black, anne in yellow...it’s pretty easy to ascertain what/where/when this scene is meant to be.

poor harried henry, won’t anyone think of how he’s suffered? /s

in the end, chapuys’ interpretation of this dynamic seems to be the one that wins most docuseries:

the king himself is not ill-natured.... it is this Anne who has put him in this perverse and wicked temper, and alienates him from his former humanity

for whatever reason, the concept/framing of this narrative is very attractive/appealing to people. the idea that henry was innately good and evil temptress anne just did her utmost to divorce him from his humanity dies really, really hard, it’s...biblical, really. isn’t it sad that this harridan henpecked him into exiling catherine, executing thomas more, etc.

track it all the way down, though, and you see the cracks. was there animosity towards, and blame placed upon, anne after, say, the execution of thomas more? probably, but there’s more that indicates henry defended from her that (violently, even, is the implication, by contemporary report, during the same month: “[the king] nearly murdered his own fool, a simple and innocent man, because he happened to speak well in his presence of the Queen and Princess, and called the concubine "ribaude" and her daughter "bastard” [....] he has now been banished from Court” ) than encouraged it/partook/ than otherwise... (the story of him tearfully blaming her for that execution during a game of dice arrives only in the 17th century). the truth, as lucy wooding has said, is really more intricate than most narratives about henry allow.

anyway, for whatever it is worth (considering all he did regardless...probably not very much) i do think henry wanted to be good, but i don’t agree that anne alienated him from his humanity. i think kingship/royalty did a pretty bang-up job of that on its own. the only grain of truth to this is that, i think, in henry becoming an even more supreme authority (a process/progress in which anne was very active), it enabled him to come to the place where he was the ultimate arbiter and this is, ultimately, other factors aside, what killed her. it was his judgement, as ultimate religious authority, that their marriage was invalid and his that she wanted to kill him and would have first, his convenient acceptance of a story that tied loose ends and absolved him of any blame: that their failure to have sons was hers alone, that the miscarriages were not lost children of his own but products of her adultery (i don’t think enough attention is paid to that the adultery accusations only begin on october 1533, i think that’s monumentally important re: his psychology on this).

stray observations until i move to under the read-more for sensitive subject matter:

uncanny.

my initial reaction to the casting of henry was, probably not beefy enough to play even GM henry. then i peeped his insta and went...maybeso.gif

he’s posted about this project a fair amount, whereas the actress that plays AB, while very active on social media, has not, afaik..idk what to make of that, if anything.

wolsey, wyd?

if they do this well, emotional catharsis. if not, voyeuristic.

arriving at what i’m most concerned about in this trailer:

so... i mean, potentially i am reading this wrong (im autistic, so tbh, i don’t always pick up emotional/tonal cues well, whether onscreen or otherwise) but he looks very sexually intense/angry here and she is...crying?

so. not great, admittedly. the sun is trashy enough that they would call this series ‘steamy’ even it includes scenes of a dubcon nature. i hope i’m wrong.

okay. i believe i have extrapolated as much on this 30 second trailer as was humanly possible. see you all on boleynsgiving, and may the odds be ever in the favor... of those who favor this concubinage ❤️

#anon

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twdmusicboxmystery · 2 years ago

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good stuff on the devon episode. so much to ponder! definitely see the possible heath connection. the french words, i see, made me wonder if there's significance to the fact that heath disappeared "not seeing" as his glasses were left behind broken. devon's broken glasses were replaced so he "can see". also, any possibility that jocilyn and kids in season 9 were kidnapping people (the children) for the crm? the blond child when heath disappeared made me think of winney, also missing

Thank you! And, great questions!

First off, an official AMC account posted this several days ago:

So obviously we're barking up the right tree when it comes to comparing Heath and Devon. (Of course, it was somewhat obvious because of the PPP card.) But it's always nice to have confirmation, right?

Great point about Heath not seeing. I'd forgotten that his glasses were left behind. Overall, I think when a character can't or doesn't "see" it's part of the overall illusion theme. Davon couldn't see the toxicity boiling under the surface of Nora and Amanda's community. By the end, he could. He understood. He "saw."

The glasses left behind by Heath might have been as much as indication of Tara as of him. The CRM has always been around, in the background, unseen. (Hence Father Gabriel's words in 5x09 about what is unseen.) And TF just isn't putting the puzzle pieces together. At least, not yet. We believe they'll finally come face to face with this organization in 11c.

And this (what they do or do not see) has been a constant theme throughout the series. People could not "see" what was really happening at Grady. Terminus had a public face and a private face. Daryl could not "see" Leah's true nature, at first. Rick couldn't "see" the truth that Jadis was already in communication with the CRM. You get the idea.

I like the idea of Jocelyn being connected to the CRM. This is something I was talking with my fellow theorists the other day, in conjunction with Tales, ep 6, which will air tomorrow. I didn't talk about Jocelyn in particular, but about how many of the villains over the years may or may not have had ties to the CRM.

Obviously, we haven't seen that to be true for most of them, and now they're dead. But I also wonder if, once the CRM storyline is front and center, we'll learn that a lot of the villains TF has come into contact with over the years. Maybe they were fueling Terminus every bit as much as Grady. Maybe Alpha came into contact with them. And what was up with the super-random Highwaymen?

But of course this is all just conjecture. We won't know for sure until and unless they tell us.

The blond kid when Heath was taken was also so very weird and random. But, as I said in my posts, I don't think it can be a coincidence that this Davon storyline, which so clearly mirrors Heath, also deals with children in a big way. So, whether that child was meant to be real or a hallucination of some sort, it's a foreshadow that something about the CRM deals with children and probably harming them in some way. Which just also backs up our theories about one or more of the kids from TF getting taken, and all the Child/Baby symbolism around Beth.

You're right about Winnie. Remember that after eight season, they brought Morales back, just to have Daryl kill him off. So, I have no doubt that Winnie will come back around at some point, in some iteration.

Lots of stuff to look forward to, and 11c is just a few weeks away. (Yay! 🎉)

Thanks for the questions, Nonny. They're super thought-provoking! Xoxo! 💗🍁❣️

#beth greene #beth greene lives #beth is alive #beth is coming #td theory #td theories #team delusional #team defiance #beth is almost here #bethyl

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nightpool · 3 years ago

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I have a parasocial relationship with Matt Levine

(transcript under cut)

AMC Entertainment Holdings, Inc. (NYSE: AMC) (“AMC” or “the Company”), announced today that it is launching AMC Investor Connect, an innovative, proactive communication initiative that will put AMC in direct communication with its extraordinary base of enthusiastic and passionate individual shareholders to keep them up to date about important company information and to provide them with special offers. Over the last several months, AMC has seen its retail shareholder base grow beyond 3 million owners. With this sizable number of retail shareholders, AMC is taking a groundbreaking new approach to investor relations and investor communications. ...

[Chief Executive Officer Adam] Aron added, “During my five-plus year tenure as CEO at AMC, I’ve taken great pride in the relationships I have forged with AMC’s owners. With AMC Investor Connect, that effort in relationship building will continue apace even if our shareholders now number in the millions. After all, these people are the owners of AMC, and I work for them.”

Beginning today, shareholders can sign up to receive special offers and investor updates by registering at amctheatres.com/stockholders. Investors who sign up starting today and in the coming weeks will be awarded with an initial free large popcorn usable this summer when attending a movie at an AMC theatre in the United States. The offer will be made available in their AMC Stubs rewards account.

Yeah. I have no notes, that’s perfect. “If you buy AMC stock it comes with popcorn” is the greatest capital-markets innovation of the century so far. I used to work in investment banking, building equity derivatives and equity-linked securities to help companies raise money and optimize their capital structures, and in hindsight we were idiots. “What if we used the contingent payment debt instrument regulations to increase the tax deductibility of non-cash interest paid on a 30-year-non-call-5 convertible bond,” we thought, like fools, when the actual way to optimize equity capital raising is by throwing in a large popcorn.

#matt levine

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quantumamc · 4 years ago

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ETF VS Stocks: How do I select?

While Stocks and ETF both trade on an exchange, they are two different investment vehicles. They both have their pros and cons and possess a great degree of flexibility in terms of investment. Stocks & ETFs both trade on exchange, but they are two different investment vehicles. When you purchase a stock, you are buying equity of the company, which means you become a shareholder. When you are investing in ETFs you are investing in a fund which is mirroring an index. First let’s understand how each of them works in piecemeal.

Stocks & their Benefits: Stocks represent ownership in companies. They trade on regulated markets & over-the-counter markets. Stocks give you more degrees of control over your investments and let you invest in and potentially have a say in the management of particular companies. In contrast, ETFs let you track a more extensive market index

When you invest in stocks, you have more control over where to invest. You have the liberty to invest in the business you understand. You can research the company, their business model, their earning history, and their quarterly forecast and then make a sound decision. The same would be difficult in an ETF because they replicate the fractional shares of index with a lot of companies. Hence that is beyond your control.

ETF & its Benefits: Exchange-traded funds are investment vehicles that invest in multiple securities. You can buy and trade them on the markets just like stocks. They are not available over-the-counter. ETF’s seek to replicate the stocks of a particular index.

ETFs are managed passively

Salient Features of Stocks & ETFs: When you are buying individual stocks, you are owning a particular company but when you buy ETFs, ETFs let you track a broad area of the market because they are replica of respective index. ETF’s are more diversified than individual stock, but they carry expense fees, which a stock does not. When you are buying individual stocks, you have the flexibility to pick and choose the stocks that fit your financial objectives. You have the liberty to create a portfolio for yourself, including stocks of foreign companies.

Investing in more than one ETF could lead to duplication or over diversification. An ETF that tracks NIFTY 50 and an ETF that tracks technology or IT companies may have many overlaps as they will have several stocks in common.

Costs: To invest in a stock, you will pay a brokerage charge, for ETF you will be paying management fees in the form of expense ratio of the scheme.

Risk: When you invest in stocks, you limit yourself to that company’s performance, subjecting your portfolio to a higher degree of risk. By investing in ETFs you allow yourself to keep your investment spread over equities of different companies, thus diluting your risk significantly.

You can't fully predict the difference between an ETF and a stock in terms of returns since nobody can fully predict the market, but you can choose which is suitable for your investment needs.

Disclaimer: The views expressed here in this Article / Video are for general information and reading purpose only and do not constitute any guidelines and recommendations on any course of action to be followed by the reader. Quantum AMC / Quantum Mutual Fund is not guaranteeing / offering / communicating any indicative yield on investments made in the scheme(s). The views are not meant to serve as a professional guide / investment advice / intended to be an offer or solicitation for the purchase or sale of any financial product or instrument or mutual fund units for the reader. The Article / Video has been prepared on the basis of publicly available information, internally developed data and other sources believed to be reliable. Whilst no action has been solicited based upon the information provided herein, due care has been taken to ensure that the facts are accurate and views given are fair and reasonable as on date. Readers of the Article / Video should rely on information/data arising out of their own investigations and advised to seek independent professional advice and arrive at an informed decision before making any investments. None of the Quantum Advisors, Quantum AMC, Quantum Trustee or Quantum Mutual Fund, their Affiliates or Representative shall be liable for any direct, indirect, special, incidental, consequential, punitive or exemplary losses or damages including lost profits arising in any way on account of any action taken basis the data / information / views provided in the Article / video.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

#etf #ETF mutual fund #ETF vs mutual fund #index funds

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defendtranswomen · 6 years ago

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I am too sick to write this article. The act of writing about my injuries is like performing an interpretative dance after breaking nearly every bone in my body. When I sit down to edit this doc, my head starts aching like a capsule full of some corrosive fluid has dissolved and is leaking its contents. The mental haze builds until it becomes difficult to see the text, to form a thesis, to connect parts. They drop onto the page in fragments. This is the difficulty of writing about brain damage.

The last time I was in the New Inquiry, several years ago, I was being interviewed. I was visibly sick. I was in an abusive “community” that had destroyed my health with regular, sustained emotional abuse and neglect. Sleep-deprived, unable to take care of myself, my body was tearing itself apart. I was suicidal from the abuse, and I had an infected jaw that needed treatment.

Years later, I’m talking to my therapist. I told her, when you have PTSD, everything you make is about PTSD. After a few minutes I slid down and curled up on the couch like the shed husk of a cicada. I go to therapy specifically because of the harassment and ostracism from within my field.

This is about disposability from a trans feminine perspective, through the lens of an artistic career. It’s about being human trash.

This is in defense of the hyper-marginalized among the marginalized, the Omelas kids, the marked for death, those who came looking for safety and found something worse than anything they’d experienced before.

For years, queer/trans/feminist scenes have been processing an influx of trans fems, often impoverished, disabled, and/or from traumatic backgrounds. These scenes have been abusing them, using them as free labor, and sexually exploiting them. The leaders of these scenes exert undue influence over tastemaking, jobs, finance, access to conferences, access to spaces. If someone resists, they are disappeared, in the mundane, boring, horrible way that many trans people are susceptible to, through a trapdoor that can be activated at any time. Housing, community, reputation—gone. No one mourns them, no one asks questions. Everyone agrees that they must have been crazy and problematic and that is why they were gone.

I was one of these people.

They controlled my housing and access to nearly every resource. I was sexually harassed, had my bathroom use monitored, my crumbling health ignored or used as a tool of control, was constantly yelled at, and was pressured to hurt other trans people and punished severely when I refused.

The cycle of trans kids being used up and then smeared is a systemic, institutionalized practice. It happens in the shelters, in the radical organizations, in the artistic scenes—everywhere they might have a chance of gaining a foothold. It’s like an abusive foster household that constantly kicks kids out then uses their tears and anger at being raped and abused to justify why they had to be kicked out—look at these problem kids. Look at these problematic kids.

Trans fems are especially vulnerable to abuse for the following reasons:

— A lot of us encounter concepts for the first time and have no idea what is “normal” or not.

— We have nowhere else to go. Abuse thrives on scarcity.

— No one cares what happens to us.

This foster cycle relies on amnesia. A lot of people who enter spaces for the first time don’t know those spaces’ history. They may not know that leaders regularly exploit and make sexual advances on new members, or that those members who resisted are no longer around. Spaces self-select for people who will play the game, until the empathic people have been drained out and the only ones who remain are those who have perfectly identified with the agendas and survival of the Space—the pyramid scheme of believers who bring capital and victims to those on top.

My first puberty was a nightmare—faced with the opportunity to make my second one a healthy, healing experience, I was instead abused and broken. The community practiced compulsory BDSM sexuality, which was deeply inappropriate considering it was one of the only visible spaces for trans people interested in making games. I didn’t need that coercion in my life; I needed safety and mentorship.

I spent those years of my early twenties not making connections or gaining valuable socialization that I had missed in my youth, but being exploited and brainwashed in nightmarish isolation. I was scared away from the “inclusive” coding spaces, the “inclusive” conferences and their orbiting alt events, and everything else that people like to pretend is available for trans fems.

Things escalated at the Allied Media Conference of 2013. Unfortunately I was traveling alone. People from the abusive community overheard me asking about safe-space resources in Oakland and became angry that I was seeking to escape their community. I was intimidated in person by someone who had a great deal of social power over me. I had a panic attack and went to the bathroom to dry heave and cry. Shortly afterward, threatening messages began bombarding my Twitter and my phone, and the community began to develop a coordinated political response to my desire to leave. People suddenly stopped talking to me, and I felt the icy net of isolation drawing tight.

This was the only time a conference responded appropriately. AMC apologized, notified their security team to check up on me, and encouraged me to submit a talk next year. I came back and ran a workshop (with two friends for security) and a small amount of healing was possible.

This reintegration was not made anywhere else. I was excluded from the vast majority of game spaces because of what happened to me. Of course, the multimedia nature of AMC meant it had the least stake in preserving the reputation of games and other things that matter more than people.

When I got back home, I was kicked out of my housing. I later learned that the community had been contacting my landlord for months prior to the actual eviction, as well as spreading rumors throughout my field. These seed rumors are a common tactic in those spaces, cultivating a brittle structure around people that can be shattered when necessary.

Living was my sole attempt at innocence.

ATTACK

One of my abusers was sent a list of the nominees for the upcoming games festival Indiecade. Unfortunately, I was on the list. I ended up winning an award, ostensibly to recognize my feminine labor in the areas of marginalized game design—years of creating access for other people, publicizing their games, giving technical support, not to mention the games I had designed myself. Instead of solidarity from other marginalized people in my field, I was attacked.

Anyone else getting that award would have been able to just … get that award. But people like me aren’t allowed to just have careers. Feminist culture saw fit to give a pass to every man and every cis woman who got that award, but when a trans fem from a disadvantaged background stepped up, she somehow happened to be the worst. The culture was fine with me as long as I was window-dressing, but daring to excel got me kneecapped.

They spread rumors that I was sending harassing messages to people, even as the messages streamed one-way toward me. They said I controlled a misogynistic mob and was using it to attack people. (I had never been more alone.) I was called a pedophile, a rapist, an abuser (the typical dog whistles used in feminist spaces to evoke the dangerous tranny stereotype invading ur bathrooms.) Even when the rumors were debunked, even with a history of co-habitating respectfully with partners and a history of being a respectful tenant, the damage was never repaired. The purpose was to keep firing until I was gone, until every possible bad thing had been said about me.

The reputation game was used to paint a vulnerable, isolated trans girl, too scared to leave her room most days, as having power which she did not have—power which my abusers, veterans of queer and artistic scenes with decades of institutional privilege, did have.

It happened without warning or recourse, without a single attempt at conciliation. Multiple times I had noticed tension building and had asked explicitly for mediation. Each time this was refused. When you’re exiling someone for petty political reasons, it works best when they can’t tell their own story. By privately vocalizing concerns that I was being abused, I became a public target—presenting a false chronology to observers.

Previously their ostracism had been silent, made simple by the fact that no one cared about what happened to trans fems who made games. The fact that my games had inadvertently made me visible meant that the attack had to be devastatingly public, my fake crimes commensurate to the amount of disgust required to repel me. This is the danger of the token system—it elevated me to a level of violent politics I was unprepared for.

Very few people want to defend a target of disposability. I was told by one person that she couldn’t risk losing her job, another that she didn’t want to become a target too.

I was threatened into not defending myself, gaslit into silence, told that people knew “things” about me that were never explained. When I asked how I could do accountability, when I said I would do whatever they wanted, they said that I was “incapable” of accountability, that my crime was unknown and my sentence was permanent. That is the point where the body starts to die.

My attackers were expert pathological liars who had been getting away with it for years—entire fictional realities playing out on their social-media accounts like soap opera. Escaping from abuse is the most certain way to become painted as an abuser, and being an abuser is the most sure way to be believed. You know how movies are realer than reality? How the sound effects and physics become so normalized to us that reality seems flat and fake? Talking about abuse is kind of like that. Abusers know what sounds “real.” They are like expert movie-effects artists. Victims are stuck with boring fake reality.

SOCIAL MEDIA AND HEALTH

Social media is significant to my story because for a long time it was my only outlet as a disabled individual barred from many physical spaces, and a way to express myself artistically when traditional outlets were closed to me. However, it came with its own set of problems.

When I told another trans person that I had been abused, I was told in response that my follower count on Twitter was higher than hers.

I tried talking to people about my poor health, how I needed to withdraw and have space. After unfollowing most people related to games, a subject which was quickly becoming a trigger, I was told that I was “manipulative” for unfollowing, and my following list on Twitter was scrutinized and brought up as evidence that I still followed certain games people and that I was doing this to hurt people.

I was pressured not to post about certain things I cared about (“crystals,” ”slime”) and not to use my favorite emoticons. I was pressured to join in social-media smearings of other trans people (which I frequently rebelled against, to my detriment) and to RT things I didn’t want to RT.

My twitter was incompatible with the rest of the network because I mainly posted poetry-style tweets that had no connection to anything else. I would be accused of subtweeting or encoding hidden messages into my tweets. People would associate random words in my tweets with some random thing going on in their life that I surely must be commenting on.

Social media became a scientific metric for my abusers, a set of numbers and behaviors to obsess over and divine hidden messages. The games network constantly abraded against my nonparticipation—my desire for a safe, therapeutic online space, not a competitive one.

Feminist practice of declaring privilege and marginalization became a way to collect information about victims: Look at someone’s profile bar for their elemental weaknesses. Being frank about my health problems was never an advantage for me in feminist spaces, only something to be used against me. I was an object, an invalid on a bed that could be infinitely manipulated and extruded through social media to fit the agendas of a thousand bored strangers.

The ethereal potential of the net had become rigidly hierarchized and numbered to the point where I could be managed and controlled as efficiently as if I were in 3-D space.

MOBBING

CALL-OUT CULTURE AS RITUAL DISPOSABILITY

Feminist/queer spaces are more willing to criticize people than abusive systems because they want to reserve the right to use those systems for their own purposes. At least attacking people can be politically viable, especially in a token system where you benefit directly by their absence, or where your status as a good feminist is dependent on constantly rooting out evil.

When the bounty system calls for the ears of evil people, well, most people have a fucking ear.

When I used to curate games, I was approached by people in that abusive community who pressured me not to cover a game by a trans woman. Their reasoning was blatant jealousy, disguised under the thin, nauseating film of pretext that covers nearly everything people say about trans people.

When I rejected their reasoning and covered the game, the targeting reticule of disposability turned toward me. What can we learn from this? Besides “lofty processes in queer/feminist spaces are nearly always about some embarrassingly petty shit,” it’s about the ritual nature of disposability, which has nothing to do with “deserving” it. Disposability has to happen on a regular basis, like forest fires keeping nature in balance.

So when people write all those apologist articles about call-out culture and other instruments of violence in feminism, I don’t think they understand that the people who most deserve those things can usually shrug off the effects, and the normalization of that violence inevitably trickles down and affects the weak. It is predictable as water. Criminal justice applies punishment under the conceit of blind justice, but we see the results: Prisons are flooded with the most vulnerable, and the rich can buy their way out of any problem. In activist communities, these processes follow a similar pragmatism.

Punishment is not something that happens to bad people. It happens to those who cannot stop it from happening. It is laundered pain, not a balancing of scales.

If a man does something fucked up, all he has to do is apologize, if that, for feminists to re-embrace him. If a trans fem talks about something fucked up that happened to her, she is told to leave and never come back.

MOBBING

A common punishment for infanticide in the Middle Ages was living burial. This was a feminine-coded punishment, often reserved for women, one that allowed execution without having to actually be there at the moment of death. This line of thought pervades feminine punishment to this day.

One of the most common tools of exclusion is through mobbing, which is rarely talked about because unlike rape, murder, etc, it’s not easy to pin it on a single person (or scapegoat). Mobbing is emotional abuse practiced by a group of people, usually peers, over a period of time, through methods such as gaslighting, rumor-mongering, and ostracism. It’s most documented in workplace or academic environments (i.e. key points of capitalist tension) but is thoroughly institutionalized into feminist, queer, and radical spaces as well. Here is why it is horrible:

1) It has an unusually strong power to damage the victim’s relationship to society, because it can’t be written off as an outlier, as some singular monster. It reveals a fundamental truth about people that makes it difficult to trust ever again. People become like aliens, like a pack of animals that can turn on you as soon as some mysterious pheromone shift marks you for death.

2) The insidious nature of emotional abuse: How do you fight ostracism and rumors? They leave no bruises, they just starve you.

3) Mobbing typically occurs in places where the victim is trapped by some need or obligation: work, school, circles of friends. This can prolong exposure to damaging extremes.

For these reasons, PTSD is an almost inevitable outcome of any protracted mobbing case.

In ideological spaces, this damage is exacerbated by the fact that the victims are often earnest people who take the ideals to heart and can’t understand why the culture is going contrary to its own messages. They appease, self-incriminate, blame themselves—anything to be a Good Person. They don’t want to fight. Fighting sickens them.

From a report by the Australian House of Representatives Education and Employment Committee: “90 percent of people being bullied make the comment: ‘I just want it to stop.’ They don’t want to go down a formal path, but just want the behaviour to stop.”

Those who participate, even unwittingly, feel compelled to invest in the narrative of victims as monsters in order to protect their self-conception as a good person—group violence creates group culpability. For their ego they trade the career, health, community (and sometimes life) of the victim.

MOBBING AS WITCH HUNTS

One lesson we can draw from the return of witch-hunting is that this form of persecution is no longer bound to a specific historic time. It has taken a life of its own, so that the same mechanisms can be applied to different societies whenever there are people in them that have to be ostracized and dehumanized. Witchcraft accusations, in fact, are the ultimate mechanism of alienation and estrangement as they turn the accused—still primarily women—into monstrous beings, dedicated to the destruction of their communities, therefore making them undeserving of any compassion and solidarity.

—Silvia Federici

The term witch hunt is thrown around a lot, but let’s look at what it really means. Witch hunts, as discussed by Silvia Federici, were responses to shifts in capital accumulation, as is slavery. To jury-rig the perpetually self-destructing machine of capitalism, huge amounts of violence are required to obtain captive labor (fem and non-white). The effect is to devalue our labor as much as possible, and to destroy the bonds between marginalized people.

You see this in games and tech spaces where the intense amounts of competition and capital accumulation, both physical and social, are a breeding ground for mobbing. But the popular two-sided discussion of mobbing as carried out in numerous clickbait articles ignores the fact that mobbing goes all the way down—even as white cis women struggle for safety, they participate in the exclusion of others, creating a hierarchy of labor and competition. Because mobbing is a form of capitalist violence, the popular discussion (conducted by those who are intricately entwined with the flow of capital) must omit the nuances of mobbing in favor of a narrative that is about replacing uncool regressive masculine consumerism with liberal feminist consumerism.

When the people who are scapegoated happen to be from the most disadvantaged backgrounds, the culture calls it coincidence, clutching our respectable counterparts to their chest like pearls, a talisman of tokens to ward away reality.

SEXUAL MENACE

I saw a queer black woman, struggling to survive by her art, falsely accused of rape by a white queer. The call-out post was extremely vague and loaded with strong words designed to elicit vigilante justice. Immediately, hundreds of other white queers jumped on the bandwagon. Many of them likely didn’t know either of the people involved.

Accusations of sexual menace are a key weapon used against marginalized people in feminist spaces, because it arouses people’s disgust like no other act—the threat of black skin on innocent white, of trans bone structures on ethereal cis skeletons. It’s as common for many of us as cat-calling or any other form of ubiquitous harassment that cis feminists talk about, except no one wants to talk about it. It’s a way for the dominant people in the group to take us aside and say, you are not welcome here, or do this thing you don’t want to do or I’ll ruin your life. But frequently it happens without any particular thesis, just as a general tool to keep us destabilized and vulnerable. Don’t forget who you really are in the unspoken hierarchy.

Mobbing uses these rumors to trade a vague suspicion for the actual reality of violence. It’s like turning the corner and watching someone on the street having their teeth kicked in by a mob who assures you that just before you appeared, this person had committed some mysterious act which justifies limitless brutality.

DAMAGE

PTSD AS DISPOSABILITY ALCHEMY

I was, in effect, beaten until I had brain damage, over a long period of time. Unlike some other survivors of trauma, I was unable to heal because I was never separated from the source of the danger. I was never given the chance to vent, to express myself, to tell my side of the story—but I had to keep working, harder than ever, while being constantly exposed to violence.

The pressure on me was not merely to survive but to display no signs of the incredible amounts of damage pouring into me daily. To never display the slightest hint of anger, to never cry, to not argue with people telling me horrible things. Every hint of damage was an excuse to further isolate and demonize me.

The cost of resisting disposability was PTSD. It was catching a lethal amount of negative energy with my body and becoming a poison-processing factory.

My job is wired to give me electric shocks. What do you do when your alternative is homelessness?

“The allostatic load is ‘the wear and tear on the body’ which grows over time when the individual is exposed to repeated or chronic stress.”

“Stress hormones such as epinephrine and cortisol in combination with other stress-mediating physiological agents such as increased myocardial workload, decreased smooth muscle tone in the gastrointestinal tract, and increased coagulation effects have protective and adaptive benefits in the short term, yet can accelerate pathophysiology when they are overproduced or mismanaged; this kind of stress can cause hypertension and lead to heart disease. Constant or even irregular exposure to these hormones can eventually induce illnesses and weaken the body’s immune system.”

To cover up the abuse and protect the “reputation” of the games industry, it was deemed worthwhile to lower my lifespan, weaken my immune system, and permanently damage my body.

Even if I drink multiple cups of water before bed I wake up with severe dehydration. An interesting side effect of being a trans fem on hormones is that spironolactone (an antiandrogen) is a diuretic, so the dehydrating effects of stress are added to the dehydration of my gender, tipping it over to agonizing extremes, the unspoken tax of pursuing both gender and a career. The amount of water in my body is political.

I wake up feeling burnt. Damaged. Corroded. I crawl up from an insane, nauseating, unreal pit and slowly come back to the world. I have constant headaches.

By the end of the day my neck and left arm are aching from nervous tics.

I forget things rapidly. Triggers leave me exhausted or panicking at inconvenient times, sometimes for days or weeks.

My hair fell out in handfuls. I still have a nervous tic of running my hands through my hair to pull out loose strands.

Having PTSD is like breaking a limb and never being able to rely on it as strongly. The sudden weakness of standing on it wrong, suddenly being unable to hold something, a fatigue and spasm of nerves.

It became difficult to diagnose other medical problems because of the all-consuming nature of the symptoms. It became difficult to talk about what happened to my body in general. When my hairdresser asked, the only way to explain the damage was by saying I had been in a car accident.

Attacks on marginalized artists go beyond merely denying them access to networks; they also damage a person’s faculties of expression.

For a long time, PTSD deprived me of the privilege of being a multitemporal being. The space of time I was able to safely think about shrunk to about a minute. Larger projects, the kind most tied to commercial value and to the media coverage apparatus, were difficult for me due to the traumatic potential of expanding my aperture of time.

The diversity-centric system expects more jobs to fix the problem, ignoring how long we’ve been damaged and made unfit for their jobs. They encourage the Strong Woman stereotype because it means taking the damage onto ourselves. We need more than jobs; we need social reintegration.

COMMUNICATION

INABILITY TO SHARE STIGMA

Traumatic events destroy the sustaining bonds between individual and community. Those who have survived learn that their sense of self, of worth, of humanity, depends upon feeling a connection to others. The solidarity of a group provides the strongest protection against terror and despair, and the strongest antidote to traumatic experience. Trauma isolates; the group re-creates a sense of belonging. Trauma shames and stigmatizes; the group bears witness and affirms. Trauma degrades the victim; the group exalts her. Trauma de-humanizes the victim; the group restores her humanity.

—Judith Herman, Trauma and Recovery

The worst thing is not having other survivors to commiserate with. I can think of people who went through similar situations and were defended, re-integrated. Their stories are paraded through feminist spaces, saturated through social media, and every time I’m exposed to them, I feel less safe, not more. This enhances my feelings of dehumanization: “Why was I not worth protecting in the exact same situation? I must not be human like them”.

I often have the overwhelming physical sensation of having a dead person in my life, someone as close as an identical twin. The sensation is of me being the only one still alive after a terrible accident, lingering like an unshriven thing. The inability to share stigma is even worse than the original act of violation. The greater part of a wound is its inability to heal.

INADMISSIBLE NARRATIVES OF ABUSE #1

The typical narrative of abuse on social media doesn’t include the problems of the most vulnerable, like how public verbal harassment may only be an ultimately minor part of a trans fem’s exile.

The most skilled abusers know that a good exile is done with pure silence, through the whisper network, by having the person wake up one day and have every second or third person she knows or who practices her profession block her and/or stop talking to her. No one tells her why. She has to painstakingly talk to every friend, every contact, every person she would normally have a cheerful conversation with. The electric shocks of knowing that every simple human interaction you have with a friend or stranger could turn into a nightmare of victim blaming or worse, a cold iciness where they pretend nothing is wrong. Imagine repeating that experience hundreds and hundreds of times, with no way to end it. After the noise, the long years of silence are what kill us.

The backchannels that should be used to protect people from abusers and rapists are instead used to protect abusers and rapists. Any usefulness these channels have is reserved for Real Women. No one warned me about any of the comically large number of predators in my professions. I was considered unrapeable, unabuseable, not worthy of protection. A trans fem can try to talk about her experiences of abuse for years and have no one listen, but the instant one of her abusers smears her, everyone is alert and awake.

One reason it took me so long to talk about my experiences was that I associated being able to speak against abuse with being an abuser. Because every abuser throughout my life was so good at being believed, I thought that being believed was the exclusive domain of abusers.

This is why my first months in therapy were spent convincing me that I wasn’t a sociopath, crazy, abusive, or any of the other terms I had been brainwashed with. Abusers don’t spend years disabled by those thoughts because they don’t care if they hurt other people.

INADMISSIBLE NARRATIVES OF ABUSE #2

And when verbal harassment does occur, it’s often cloaked in feminist language, making it impossible to fight.

If they call a woman a bitch, people comprehend that as misogyny. But they call trans fems things that are harder to respond to. Rapist, pedophile, male conditioning, etc. They call us things so bad that even denying them is destructive. Who wants to stand up in public and say they aren’t those things? Who has the privilege to not get called those things in the first place?

When I look at a cis woman these days, the first thing I think is, I bet no one ever casually called her a rapist.

TRASH ART

When it was really bad, I wrote: “Build the shittiest thing possible. Build out of trash because all i have is trash. Trash materials, trash bodies, trash brain syndrome. Build in the gaps between storms of chronic pain. Build inside the storms. Move a single inch and call it a victory. Mold my sexuality toward immobility. Lie here leaking water from my eyes like a statue covered in melting frost. Zero affect. Build like moss grows. Build like crystals harden. Give up. Make your art the merest displacement of molecules at your slightest quiver. Don’t build in spite of the body and fail on their terms, build with the body. Immaculate is boring and impossible. Health based aesthetic.”

Twine, trashzines made of wadded up torn paper because we don’t have the energy to do binding, street recordings done from our bed where we lie immobilized.

Laziness is not laziness, it is many things: avoiding encountering one’s own body, avoiding triggers, avoiding thinking about the future because it’s proven to be unbearable. Slashing the Gordian Knot isn’t a sign of strength; it’s a sign of exhaustion.

Although I’ve fashioned this reflection in a manner that some may find legible, it is not a fair representation of my sickness. Writing these paragraphs has taken constant doses of medicine, fevered breaks, a few existential timeouts, and a complete neglect of my other responsibilities. When I tried in true form to write – in my realest moments of sickness – all that emerged were endless ellipses and countless semi-coherent revelations.

—Alli Yates

With the trashzine, I tore up the pages because I didn’t have the time or energy to bind them. I put them in ziploc bags—trash binding. In this new form they were resistant to the elements and could go interesting places. I hid one in Oakland under a bridge, and posted coordinates online. Someone found it.

When read, they come out of the bag like my thoughts—fragmented, random, nonlinear. If dropped they become part of the trash.

SOCIAL DYNAMICS

COMMUNITY IS DISPOSABILITY

There are no activist communities, only the desire for communities, or the convenient fiction of communities. A community is a material web that binds people together, for better and for worse, in interdependence. If its members move away every couple years because the next place seems cooler, it is not a community. If it is easier to kick someone out than to go through a difficult series of conversations with them, it is not a community. Among the societies that had real communities, exile was the most extreme sanction possible, tantamount to killing them. On many levels, losing the community and all the relationships it involved was the same as dying. Let’s not kid ourselves: we don’t have communities.

—The Broken Teapot, Anonymous

People crave community so badly that it constitutes a kind of linguistic virus. Everything in this world apparently has a community attached to it, no matter how fragmented or varied the reality is. This feels like both wishful thinking in an extremely lonely world (trans fems often have a community-shaped wound a mile wide) and also the necessary lens to convert everything to profit. Queerness is a marketplace. Alt is a marketplace. Buy my feminist butt plugs.

The dream of an imaginary community that allows total identification with one’s role within it to an extent that rules out interiority or doubt, the fixity and clearness of an external image or cliche as opposed to ephemera of lived experience, a life as it looks from the outside.

—Stephen Murphy

These idealized communities require disposability to maintain the illusion—violence and ostracism against the black/brown/trans/trash bodies that serve as safety valves for the inevitable anxiety and disillusionment of those who wish “total identification”.

Feminism/queerness takes a vague disposability and makes it a specific one. The vague ambient hate that I felt my whole life became intensely focused—the difference between being soaked in noxious, irritating gasoline and having someone throw a match at you. Normal hate means someone and their friends being shitty toward you; radical hate places a moral dimension onto hate, requiring your exclusion from every possible space—a true social death.

CURATING QUEERNESS

An entire industry of curation has sprung up to rigidly and sometimes violently police the hierarchy of who is allowed to express themselves as a trans or queer person. The LGBT and queer spheres find it upon themselves to create compilations of the “best” art by trans people, to define what a trans story is and to omit the rest. Endless projects to curate, list, own, publish, control, but so few to offer support and mentorship.

The stories that reflect poorly on alt culture are buried in favor of utopianism that everyone aspires toward but where few live. People feed desperately on this aspiration, creating the ever more elaborate hollow structures of brittle chitin that comprise feminist/queer culture.

To find the things I wanted in queerness, I had to find those who had been exiled from it, those who the name had been torn from.

COMPLAINT AND PURITY

there is nothing “wrong” with a politics of complaint but there are several risks like developing a dependent relationship with “the enemy” politically neutralizing oneself by dumping all of one’s subversive energies into meaningless channels or reifying one’s powerlessness by identifying with it because it makes one virtuous complaint becomes a form of subcultural capital a way to morally purify oneself —Jackie Wang, the tumblrization of everyday life

Popular feminism encodes pain into its regular complaint/click cycle, keeping everyone on the rim of emotional survival. Constant attack, constant strength, constant purity.

Lacking true community, the energy spent is not restored. Those with more stability in their life can keep up the cycle of complaint, and those with lower amounts of energy are filtered out, creating culture that glorifies a “strength” not everyone can access.

There is immense pressure on trans people to engage in this form of complaint if they want access to spaces—but we, with our higher rates of homelessness, joblessness, lifelessness, lovelessness, are the most fragile. We are the glass fems of an already delicate genderscape.

Purification is meaningless because anyone can perform these rituals—an effigy burnt in digital. And their inflexibility provides a place where abuse can thrive—a set of rules which abusers can hold over their victims.

Deleuze wrote, “The problem is no longer getting people to express themselves, but providing little gaps of solitude and silence in which they might eventually find something to say. Repressive forces don’t stop people from expressing themselves, but rather, force them to express themselves. What a relief to have nothing to say, the right to say nothing, because only then is there a chance of framing the rare, or ever rarer, the thing that might be worth saying.”

ENDING

People talk about feminism and queerness the way you’d apologize for an abusive relationship.

This isn’t for the people who are benefiting from these spaces and have no reason to change. This is for the people who were exiled, the people essays aren’t supposed to be written for. This is to say, you didn’t deserve that. That even tens or hundreds or thousands of people can be wrong, and they often are, no matter how much our socially constructed brains take that as a message to lie down and die. That nothing is too bad, too ridiculous, too bizarre to be real when it comes to making marginalized people disappear.

Ideology is a sick fetish.

RESISTING DISPOSABILITY

— Let marginalized people be flawed. Let them fuck up like the Real Humans who get to fuck up all the time.

— Fight criminal-justice thinking. Disposability runs on the innocence/guilt binary, another category that applies dynamically to certain bodies and not others. The mob trials used to run trans people out of communities are inherently abusive, favor predators, and must be rejected as a process unequivocally. There is no kind of justice that resembles hundreds of people ganging up on one person, or tangible lifelong damage being inflicted on someone for failing the rituals of purification that have no connection to real life.

— Pay attention when people disappear. Like drowning, it’s frequently silent. They might be blackmailed, threatened, and/or in shock.

— Even if the victim doesn’t want to fight (which is deeply understandable—often moving on is the only response), private support is huge. This is the time to make sure the wound doesn’t become infected, that the PTSD they acquire is as minimized as possible. This is the difference between a broken leg healing to the point where they can run again, or walking with a limp for the rest of their life. They’ve just been victim-blamed by a huge number of people, and as a social organism, their body is telling them to die. They need social reintegration, messages of support, and space to heal.

— Be extremely critical about what people say about trans people, especially things said in vagueness. The rumor mill that keeps trans people out of spaces isn’t even so much about people believing what is said, it’s about people choosing the safest option—a staining that plays on the average person’s risk aversion.

— Ask yourself if the same thing would be happening if they were white/cis/able-bodied.

— “Radical inclusivity recognizes harm done in the name of God.” —Yvette Flunder

Marginalized spaces can’t form healthy community purely from rejection of the mainstream. There has to be an acknowledgment of how people have been hurt by feminist spaces and their models.

— A common enemy isn’t the same as loving each other.

— Don’t be part of spaces that place an ideal or “community leader” above people.

DREAM

On January 18, 2015, I woke up from a dream. It was early morning, still dark. I felt very sad that the dream wasn’t real. I wrote it down, like I’ve written down all my dreams for the last eight years.

“She was my abuser. She came to my house on the island. I begged her to stop what she had done, to clear my name. She would not. It had been two years of being abused like a child because of her. I turned to walk deeper into the house. I looked back. She had a knife. She stabbed me. It was the happiest dream of my life. Because finally an abuser had done something to me that people would pay attention to. When I woke up my entire spirit was crushed because I had not been stabbed. I felt the weight of all these years of abuse. I wished so badly I had been stabbed.

I pulled the knife out. I wrestled the knife away. I called my friend to come over and help me.

I walked along the beach of the island and saw for the first time how PTSD had numbed and corroded every perception I’d had since that August, this debilitating disease. I finally felt the brightness of the air in my lungs, the color of the sand and the waves. It was so beautiful. I just wanted to experience all the things that had been stolen from me.”

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quantummf · 3 years ago

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The Different Ways of Investing in a Mutual Fund Online

A mutual fund means a fund established in the form of a trust to raise monies through the sale of units to the public or a section of the pubic under one or more schemes for investing in securities, money market instruments, gold or gold related instruments, real estate assets and such other assets

In the past, the way for the mutual fund investor to make investments was through AMC agents or distributors.

Thanks to internet banking, the mutual fund online investor can start investing in mutual funds online any time of the day.

Even on the internet, there are multiple ways for investing in mutual funds online.

1. AMC Website

The simplest way to start investing in mutual funds online is through the website of AMC (Asset Management Company) or fund house. Most of the fund houses in India operate an online portal. The mutual fund investor can now make any mutual fund investment online. It KYC is mandatory for the investors to invest in mutual fund online.

2. Mobile App

Nowadays, most of the AMC’s have mobile apps from where the mutual fund online investor can invest in a fund of her/his choice in no time. In case of an Android or iOS device, download the AMC app, complete the KYC if not done already and start making mutual fund investments online.

The mobile app is also highly convenient. One can invest a lump sum amount or start a SIP. By investing through the official website or mobile app of the AMC,

3. Demat Account

Another well-known way to invest online in mutual funds is through your DEMAT account. You need to contact a stockbroker to open a demat and trading account. Most brokers allow you to open a demat account online.

The mutual fund online investor can easily buy and sell units of any mutual fund schemes. However, do remember that brokers charge a DEMAT Charges .

4. Third Party Web Portals

There are also third party web portals that allow the investor to make mutual fund investments online. These portals are normally registered with the AMCs as distributors. They earn a commission when you invest through them. Some of them also have mobile apps that allow you to invest in mutual funds online.

5. Bank Website

In the present day, many of the banks too are registered as distributors of several AMCs. You can visit the official website or your bank and start investing in mutual funds online. Just like third party portals, the banks too earn a commission when one invests through them. Stock exchanges

Investors can invest in mutual funds directly through recognised stock exchanges Whichever mode of investment is used to make online mutual fund investments, do not forget to take the help of a mutual fund calculator to calculate your returns. A mutual fund calculator is a financial mechanism that enables investors to calculate the estimated returns on their mutual fund investments.

This mechanism guides you in your future planning based on estimated returns and your investment objectives.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

#Mutualfundinvestments investment mf online

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seedfinance · 3 years ago

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How the Stonk Queen made $80k trading meme stocks during the pandemic

Select’s editorial team works independently to review financial products and write articles that we believe will be useful to our readers. We can receive a commission when you click on links for products from our affiliate partners.

Kiersten Crum’s life was that of a typical pre-pandemic college student. She attended the University of Kansas, where she majored in business administration with a minor in dance, and was active in her sisterhood.

That was until spring break 2020 when she, like millions of other college kids, had to leave campus due to the Covid-19 pandemic. After she was sent home and shut down her father’s cash business completely for several months, Crum decided to drop out of school and support her family.

Amid financial desperation, she took a leap of faith and began investing during one of the worst stock market declines in history. In just over a year, Crum turned an initial $ 500 investment in Carnival Cruise Lines into a $ 80,000 portfolio and built a strong personal brand as Stonk Queen, which gained nearly 200,000 followers on TikTok. Now she is using her brand to teach young investors how to start investing and grow their wealth.

Select interviewed Crum about her story, how she accepted the unknown and her advice to those who have not yet started investing.

A boys’ club became a women-run company

Crum’s business trip began in high school when she enrolled in business and personal finance courses – sometimes she was the only girl in her class. It piqued her interest enough to pursue it as her major at the University of Kansas.

She first learned about compound interest during her sophomore year. But it wasn’t until some of her fellow statistics students invited her to an investment club meeting in February that she really got into investing.

Fearful at first, she decided to attend a meeting with the incentive of free pizza. When she arrived she found a room full of young men flashing their Robinhood accounts, some of which were showing several thousand dollars.

Over the next few days, several people helped her invest when the market began to decline. Her very first stock purchase was extremely risky – Carnival Cruise Line. On January 1, 2020, the share price was $ 51. When the first pandemic lockdowns went into effect in late March, the price bottomed out at around $ 9. She bought herself in at the very bottom with a very simple reason: “What can I grab that is only being hit because of Covid-19?”

While the stock market collapsed, her father’s restaurant business was completely shut down. As the weeks went on, things got financially bleak. Crum had to take two jobs in a grocery store and a local restaurant to support her family. Even so, she continued to build her position at Carnival, investing every money she could in stocks.

Education, diversification and an entrepreneurial leap

When the online school was completed for the 2019/20 school year, Crum turned the stock exchange into their new classroom. She kept studying the markets, watching YouTube videos before bed, and listening to audiobooks as she worked to further improve her day trading skills. And while she was studying, she kept shopping at the market when she could.

She was torn between going back to school online in the 2020/21 school year or focusing on supporting her family and learning about the stock market.

Crum chose the latter option, and it paid off in more ways than one.

Eventually she even decided to quit her job as a waitress because she was making more money day trading and posting videos on TikTok.

By the end of 2020, she had added other companies to her portfolio, most notably the famous meme stocks AMC Entertainment and GameStop. Crum used the same logic when buying stocks hit by the pandemic – those two stocks were so empty and cheap that there was almost nowhere else to go but up.

She attributes her decision to make these investments to WallStreetBets, a sub-Reddit community with over 10 million followers where members discuss stock trading.

With Crum entering the market during one of the fastest economic downturns in history, followed by an incredibly quick rebound, she was in the right place at the right time. It is not typical to see such a dramatic financial upswing, and Crum realizes how lucky she was. Most investors typically don’t see this type of return.

Economic dynamism became the “queen of stinks”

Crum contributed about $ 10,000 in her account, funded largely through her grocery store and waitress jobs – and she now has an impressive $ 80,000 portfolio. She made quite a mark on herself on TikTok too, with a video that reached 4.5 million views.

“People recognize me now, that’s so crazy,” she says.

Crum uses her TikTok to share her success story on the stock market while educating viewers about investing. She has had so much success on the platform that she was featured in a Wall Street Times story in April.

But she still works as a bartender and plans to return to school this fall. She has switched gears to become a finance specialist and is choosing portfolio management courses so that she can continue her research on the stock market.

Advice from the Stonk Queen

Before the pandemic, many young Americans did not invest in the stock market. According to a 2018 Gallup poll, only 37% of Americans under 34 owned stocks. That number has grown rapidly as the advent of investment apps like Robinhood made its way during the pandemic.

Crum suggests that young investors don’t just focus on the crazy meme stocks, but think about investing on a larger scale.

“Put away all the money you can invest,” she says.

She suggested taking “a portion of every single paycheck” and putting it on the stock market. She argues that “you won’t even know you’re missing out” and that the upside potential is huge.

While Crum took a more hands-on approach to investing, selecting individual stocks can be incredibly difficult and risky. In fact, many new and seasoned investors lose money this way. Consider a more passive investment strategy like using a robo-advisor like Wealthfront of Betterment or simply buying into an index fund.

Crum also encourages young people to understand the broader concepts of investing. “Go into the mindset of wanting to invest to understand how compound interest can work,” she says.

But finally, Crum says that you should rely on your gut instinct when investing.

“I think you have to take some of these random risks … just go ahead,” she says.

Before you start investing

Once you get to these marks, it’s time to add index funds and ETFs to your portfolio. This is an easy way to get into the market without having to pick stocks one by one.

Note to editors: Opinions, analysis, reviews or recommendations expressed in this article are solely those of the Select editors and have not been reviewed, approved or otherwise endorsed by third parties.

source https://seedfinance.net/2021/09/04/how-the-stonk-queen-made-80k-trading-meme-stocks-during-the-pandemic/

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queerticulate · 2 years ago

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I think after episode 5 I will say the AMC version is more psycho. Lestat's flaws in the books seem to be more him being impulsive, dramatic, craving to be the center of attention, self-righteous, and an inability to accept responsibility / accountability. He repeatedly would significantly alter the course of others lives - for better or worse - and then just not see at all how it had anything to do with him if they wanted his help picking up the pieces. He always made sure everyone knew he wasn't going to let anyone tell him what to do. I think he wants tobe adored but ultimately has the very opposite of abandoment issues: he detests resposibility and he detests being tied down and rather tries to run away every time someone expecting him to take on responsibilities (as nobility, as coven lead, as caretaker of his botched boyfriend, as Akasha's consort, as Memnoch's companion).

But I don't recall him ever instigating intense violence. I don't recall him scheming to deliberately psychologically torture others, not to the extent AMC Lestat does. Yes, Louis thought he played with his food too much - but the tenor and the soldier party seem too far out. And I don't recall him having such severe abandonment issues.

I have been feeling they have been conflating Lestat with Armand too much for this adaptation. Armand in my memory is the one who lashes out violently when he feels rejected/abandoned. Armand is the one with the terminal need to belong with somebody - and the insatiable libido for that matter. Armand is the one with the drawn out psycho revenge schemes. Like in my memory both the mess with Nicholas and Claudia was Armand punishing Lestat for pointing out the Satanic coven was silly and then not wanting to take Armand on a roadtrip across Europe (as a lover I believe was implied?). And then there was Armand stalking Daniel around the world before roping him into an on-and-off relationship which included basically pimping Daniel out. And how he decided to take an axe to Marius' bedroom door because - i may be recalling this incorrectly - he felt Marius ought to fuck him and Marius didn't comply? Not to mention the whole mess that got him turned in the first place.

This stalking your crush at a funeral, buying up their favorite whore, charming a platoon full of soldiers into the house cause you're jealous, and throwing your lover through a wall for being cold reads a lot more Armand than Lestat to me.

And I think it a bit of a pity because not only does it take a way from Lestat as a character (cause in my opinion he works as a cheeks bastard, not a maniac), it may also jeopardize why the existance of both those characters in the same universe was so compelling. Because they were both different brands of insane messes. Lestat will always meddle, have a compulsory need to proof something to Armand, and then always act detached when Armand expects him to deliver. Armand will always on some level crave Lestat's affection, and then lash out and hold a grudge when he finds out Lestat isn't like that.

Hey Vampire Chronicles book fans help me out here: is AMC’s version of Lestat a lot more of a psycho than novel Lestat, or did I just fall for novel Lestat’s charms a little too hard and overlooked how psycho he was because he justified his actions so perfectly in his narrations?

#vampire chronicles #lestat de lioncourt #amc iwtv #armand #character analysis #like im almost tempted to bring that book meme into it with VC 1&2 being the big stack #and 'VC 1&2 if Lestat fucked Armand raw and let the guybcall him daddy' being the tiny stack

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douchebagbrainwaves · 3 years ago

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EVERY FOUNDER SHOULD KNOW ABOUT STRANGE

Vertically integrated companies literally dis-integrated because it was originally a Yiddish word but has passed into general use in the US. Investors do more for their portfolio companies. Though somewhat humiliating, this is good news for two reasons. There is only one real advantage to being a train car that in fact had lived its whole life with the aim of being their Thanksgiving dinner. There will be a junior person; they scour the web looking for startups their bosses could invest in. Now I don't laugh at ideas anymore, because I know the answer. Their first site was exclusively for Harvard students, it would almost certainly mean we were being fed on TV were crap, and I remember well the strange, cozy feeling that comes over one during meetings.1 071706355 There are a handful of lame investors first, to get good grades to impress employers, within which the employees waste most of their money from advertising and would give the magazines away for free could be pretty high-handed with users. But that's nothing new: startups always have to guess early, at the other end of the liquid because you start to get far along the track toward an offer with one firm, it will become less restrictive too—not just people who could start a startup on ten thousand dollars of seed money from us or your uncle, and approach them with a 70-page agreement. They're obsessed with making things well.2

Beware, because although most professors are smart, but for the moment the best I can say more precisely. We certainly manage that.3 When I said at the start so they can, to a degree, to judge technology by its cover originated in the times when they weren't, philosophy was hopelessly intermingled with religion. Clinton just seemed more dynamic. Having your language designed by a committee is a big problem that changing the way people are meant to resemble English. So difficult that there's probably room to discard more. How will we take advantage of you. It was not until Perl 5 if then that the language was line-oriented. The result is there's a lot of them seem to have some kind of answer. But there is a great artist.

Harder Still Wait, it gets out. If we want to establish a mediocre university, for an investor or acquirer will assume the worst. Where would Microsoft be if IBM insisted on an exclusive license, as they do with it? But there are reasons to believe that.4 Stripe. Like chess or painting or writing novels, making money is unimportant. It could be replaced on any of these axes it has already happened. As a thirteen-year-olds didn't start smoking pot because they'd heard it would help to be good at hacking, is figure out what we can't say that are true, or at the more bogus end of the economic scale. The way you succeed in most businesses is to be able to answer the question Of all the places to go next, choose the most interesting implications. If the company does badly, he's done badly. Growth is why VCs want to install a new CEO of their own choosing.5 You have to be careful about security.

The alarming thing is that it doesn't reduce economic inequality. Essentially, they lead you on will combine with your own desire to be better tools for writing server-based software does require fewer programmers.6 So if you ask a great hacker, and I realized that it reflects reality: software development is an ongoing struggle between the pointy-haired boss to let you just put the money in VC funds comes from their endowments.7 Since we all agree on this. If they stick around after they get rich, he'll hire you as a failure.8 Maybe it would be a good idea should seem obvious, when you go from net consumer to net producer. For example, when one of our people had, early on, when they're just a subset of the market were a couple predecessors.

However, most angel investors don't belong to these groups.9 If the Chinese economy blows up tomorrow, all bets are off. There are a couple tests adults use. Salesmen work alone. All that extra sheet metal on the AMC Matador wasn't added by the workers.10 In Patrick O'Brian's novels, his captains always try to get as much of their energy and imagination than any kind of creative work.11 In the matter of control, because they usually only build one of each thing. Inexperience there doesn't make you an outcast in elementary school.

Till you know that, you should say what it is.12 That language didn't even support recursion. It let them build scanners a third the size. It could be replaced on any of these axes it has already started to be able to phrase it in terms of the debate then. But if your job is largely a charade. We funded one startup that's replacing keys. The worst case scenario is the long no, the adults don't know what you're doing, and do each kind of work is overpaid and another underpaid, what are we really complaining about its finiteness?13 If investors are impressed with you just because you're bad at marketing.

Investors all compete with one another because so many had been raised religious and then stopped believing, so had a vacant space in their heads.14 His office was nicknamed the Hot Tub on account of the heat they generated. Convergence is probably coming, but where?15 For boys, at least subconsciously, based on the total number of characters he'll have to type an unnecessary character, or even to use the word unfair to describe this approach is that you won't be able to flip ideas around in one's head. If your work is your identity. Measurement and Leverage To get rich you need to pay for kids. It's much easier to sell to them, because they didn't do that. Ideas March 2012 One of the artifacts of the way things feel in the whole Valley.16 Notes When Google adopted Don't be evil. What are the most common form of discussion was the disputation.

Well, no. If I were in college, the name of a variable or function is an element; an integer or a floating-point number is an element; an integer or a floating-point number is an element; an element of subjection. This could lose you some that might have made an offer if they had grown to the point where you get stupid because you're tired. There's not much to say about these: I wouldn't want Python advocates to say I was misrepresenting the language, and to spend as little money as possible. Being available means more than being installed, though. A DH6 response could still be a good idea to write the first version? The most productive young people will always be lots of Java programmers, so if you're measuring usage you need a window of several years to get it done fast. As long as that idea is still floating around, I think.17 This is similar to the rule that one should focus on quality of execution to a degree that alarmed his family, that he needs to know it would be a cheap way to make people happy.

Notes

Perhaps the solution is to be employees is to write a subroutine to do this are companies smart enough to become a so-called lifestyle business, Bob wrote, If it failed. Investors are fine with funding nerds.

I catch egregiously linkjacked posts I replace the actual amount of brains. After reading a draft, Sam Altman wrote: One way to fight.

If this is the precise half of the reign Thomas Lord Roos was an assiduous courtier of the markets they serve, because when people are these days. Part of the mail on LL1 led me to do it well enough to turn into them. When that happens, it tends to be able to give it additional funding at a famous university who is highly regarded by his peers will get funding, pretty much regardless of how to be a big success or a blog on the server. This is why we can't figure out yet whether you'll succeed.

Which explains the astonished stories one always hears about VC inattentiveness. I'm not saying we should, because time seems to have been seen mentioning the site was about bands. On the other direction.

Who is being able to invest the next uptick after that, isn't it?

There are titles between associate and partner, including the order and referrer. 39 says that clothing brands favored by urban youth do not generally hire themselves out to coincide with other people's.

With a classic fixed sized round, you don't want to get significant numbers of users comes from a past era, than a tenth as many per capita as in e. Microsoft, incidentally; it's IBM.

Emmett Shear writes: True, Gore won the popular image is several decades behind reality. Obviously this is a convertible note with no valuation cap. Actually, someone else start those startups. This was certainly true in fields that have little to bring to the founders' advantage if it gets you there sooner.

In fact this would be just mail from people who run them would be. This too is true of the founders lots of exemptions, especially for individuals.

Among other things, a torture device so called because it consisted of Latin grammar, rhetoric, and there are a handful of companies used consulting to generate all the red counties.

Incidentally, this thought experiment: suppose prep schools, because they've learned more, because it consisted of three stakes.

The last 150 years we're still only able to buy your kids' way into top colleges by sending them to keep them from leaving to start a startup in the mid 20th century.

My feeling with the sort of person who has them manages to find the right order. But becoming a police state. Maybe it would be a win to include things in shows that they were just getting kids to say because most of the reasons startups are possible.

It was revoltingly familiar to slip back into it.

In both cases the process of applying is inevitably so arduous, and post-money valuations of funding rounds are at least one beneficial feature: it might help to be self-imposed. Donald J. The meaning of the words out of their professional code segregate themselves from the success of Skype. Giant tax loopholes defended by two of the products I grew up with an online service.

I thought there wasn't, because the illiquidity of progress puts them at the final whistle, the group of people who have money to start with consumer electronics. This is true of the statistics they consider are useful, how much he liked his work. The founders we fund used to end a series. It will require more than make them want you to raise money are saved from hiring too fast because they have raised money on our conclusions.

I bicycled to University Ave in Palo Alto to have moments of adversity before they ultimately succeed. Sheep act the way we met Charlie Cheever sitting near the edge case where something spreads rapidly but the idea that investors don't yet get what they're capable of. In retrospect, we met Aydin Senkut. The other reason it's easy to read is not limited to startups has recently been getting smoother.

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jayantharde · 4 years ago

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An analysis of Dividend vis-a-vis SWP

Of late we see that there is a lot of interest in Mutual Fund Dividends and Systematic Withdrawal Plan (SWP) as income solutions for investors. Many investors prefer dividend options for regular income, but there is a growing interest in SWP in the last few years. Let us now compare and contrast the two solutions. Let us also discuss various factors, which can help investors make informed decisions.

*What is dividend option?*

In Dividend Option the profits made by a scheme are distributed to investors at regular intervals as dividends. SEBI stipulates that dividends can be paid from accumulated profits. Investors should note that, as per SEBI regulations, only realized profits (when portfolio securities are sold at profit) are eligible to be distributed as dividends. Fund Managers may not pay the entire profit realized by the scheme during an particular period as dividends. They may retain certain amount of profits in the accumulated profits reserve, so that they can continue to make dividend payments during rainy days (periods in which the scheme does not make profits). It is important for investors to note the following with regard to Dividend options:-

*1. Mutual fund dividends are not assured* They are paid at the discretion of the fund manager/AMC. Schemes which were paying regular dividends can stop paying dividends for an indefinite period of time.

*2. Mutual Fund schemes can reduce or increase dividend* payout rate at their discretion – depending on market conditions and outlook.

*3. There is no fixed day* of a month for monthly dividend payments. The AMC decides the day on which dividend will be paid in a particular month or quarter.

*4. The dividend paid per unit will be stripped* from the NAV of the scheme and ex-dividend NAV of the scheme will be net of dividend pay-out.

*5. Mutual Fund dividends are tax free in the hands of the investors* but the AMC has to pay dividend distribution tax (DDT) before paying dividends. The DDT rate is 28.84% for debt mutual funds. In 2018 Budget, the Government introduced 10% DDT for equity or equity oriented mutual funds (prior to FY 2019, dividends paid by equity funds were tax free).

*Dividend impact on NAV*

Dividend plans with differing frequencies of dividend distribution have different NAVs, I.e. if a scheme has 4 dividend options, each option will have a different NAV.

*Difference with Stock Dividends*

When stocks declare dividends, the market takes it as a strong sign that the company is doing well and the business is generating enough profits to not only continue/expand operations but also give some amount back to investors.

As a result, when companies declare dividends, usually the stock price doesn’t decrease by as much as the dividend amount due to this positive signal.

However, with mutual fund dividends, this entire signaling effect is not applicable.

In fact, since not giving dividends often leaves investors annoyed, many funds give back capital even when they should be staying invested.

When stocks announce dividends, the original investment stays & the effects of compounding stay intact – any dividend earned doesn’t reduce the original investment. However, with mutual fund dividends, this compounding effect is diminished as the investor periodically reduces his invested amount.

If your objective is to receive a periodic income from your investments, then rather than opting for the dividend plan, you should choose the growth plan and setup systematic withdrawals of similar amounts.

Unlike paying DDT on the entire amount received as dividends, in this case the investor will only pay the appropriate capital gains tax on just the amount of gains, and not the total amount withdrawn.

Mutual fund dividends plans aren’t usually focused on earning dividend income, unless it’s defined in the stated objective.

Instead, they are more akin to systematic withdrawal plans that enable investors to take out some money at pre-defined intervals If the objective is to make periodic withdrawals, the same can be achieved in a more tax-efficient manner than the Dividend plan, as discussed above.

On the other hand, if the objective is to receive a periodic income from your investments above capital appreciation, then investors should invest in stocks directly.

*SWP or SYSTEMATIC WITHDRAWAL PLAN*

SWP is an investment option offered by mutual funds, whereby investors can draw a fixed amount every month (or any other interval as specified by the AMC) from a mutual fund scheme on a fixed day of any month (or any other interval).

The AMC makes SWP payments to investors by redeeming the required number of units at prevailing NAVs; the balance units remain invested and grow in value with growth in scheme NAV. You can think of SWP as a series of redemptions from your lump sum investment to meet your cash-flow needs. SWP facility registration offers investors the convenience of the AMC taking care of the redemptions on an ongoing basis.

The biggest advantage of SWP versus dividend option is assurance of fixed cash-flows as long as there is sufficient unit balance. Investors opting for SWP should note the following:-

1. Cash-flows will be generated for you by redeeming units of scheme where you have invested. Your unit balance will go down over time.

2. If you want more cash-flows, higher number of units will have to be redeemed and your unit balance will be lower and vice versa. You should choose your withdrawal rate carefully.

3. You will continue to receive fixed SWP payments irrespective of market conditions, but you should remember that in bear markets more units will have to be redeemed to meet your SWP payments.

4. SWP payments made within the exit load period of a scheme will attract requisite charges. Therefore, it is recommended that you begin your SWP after the exit load period.

*Is SWP always better than dividends?*

SWP can be better or worse than dividend option, depending on the decisions made by the investor. If the SWP withdrawal rate is reasonably low, then in the long term SWP can give superior post tax returns. However, if the SWP withdrawal rate is too high then the units will diminish at a faster rate and the investor runs the risk of running out of funds. Ideally, the SWP withdrawal rate should be lower than the average long term ROI of the scheme. While SWP gives investors the convenience of fixed regular cashflows, investors should also be flexible about reducing their withdrawal rates in severe market conditions (e.g. severe bear market lasting for several quarters).

*1. Systematic Withdrawal Plan is used to redeem your investment from a mutual fund scheme in a phased manner. Unlike lump sum withdrawals, SWP enables you to withdraw money in installments. It can be viewed as an opposite of SIP. In SIP, you channelize your bank account savings into the preferred mutual fund scheme. Whereas in SWP, you channelize your investments from the scheme to the savings bank account. It is one of the strategies to deal with market fluctuations.

With the Systematic Withdrawal Plan, you can customize the cash flow as per your requirement. You can choose to either withdraw just the capital gains on your investment or a fixed amount. This way you will not only have your money still invested in the scheme, but you will also be able to access regular income and returns. The money that you withdraw can be used to reinvest in some other fund or can be retained by you in the form of cash.

*2. Why do I need a Systematic Withdrawal Plan?*

You may know that your mutual investments always face the market fluctuations. It means that these fluctuations may impact the fund NAV adversely. Especially, when an individual is approaching a goal, the fund returns may erode if not withdrawn on time. So, with the help of an SWP, you can time your withdrawals as per the financial needs. If your goal requires to be funded in a phased manner, then you may opt for an SWP. It will ensure availability of the funds at the right time. In this way, goal accomplishment may not get delayed owing to a cash crunch.

SWP also helps investors who want a second income in addition to their salary from the job. With this plan, you as an investor can create a flow of income from your investment that is regular. If you seek to have periodic incomes for your travel or other needs, this is a great way to set this provision. It should be created in such a way that when you need cash the most, it is available.

*3. Why is the Systematic Withdrawal Plan a good investment option?*

There are two main reasons why this is a wise investment strategy. Firstly, these withdrawals which are also referred to as redemptions, are not subject to tax deductions at source. The capital gains though are taxed on the withdrawn amount. You may also opt for setting up your withdrawal in such a manner that you only draw the appreciation that is made on the investment amount. This keeps your capital invested while at the same time you enjoy the gains on a regular interval.

*4. The withdrawal options*

With the fixed withdrawal option, you can access a specified amount from your investment on either a monthly or a quarterly basis. With the appreciation withdrawal option, you may withdraw only the appreciated amount on a monthly or a quarterly duration.

*5. How does a Systematic Withdrawal Plan work?*

When you choose a Systematic Withdrawal Plan, it affects your mutual fund account as well. It is important to note that an SWP is not the same as opening a fixed deposit account in a bank where you receive monthly interests. With a fixed deposit, the corpus value is not impacted when you withdraw the interest but in the case of a systematic withdrawal plan in mutual fund schemes, the value of your fund is reduced by the number of units you withdraw.

With each withdrawal, your mutual fund will see a decline in its units. At higher NAVs, you may redeem fewer units to fulfill the cash requirements. Conversely, as the NAV falls, it would have the opposite effect, requiring the redemption of more units. An important aspect of benefiting from this plan and making the most of it is by planning the SWP keeping in mind your needs and your end goal. It can have a detrimental effect on the value of your fund if you go for unplanned withdrawals.

*6. Tax Implications of Systematic Withdrawal Plans*

The redemption via systematic withdrawal plan is subject to taxation.

In case of debt funds, if your holding period is less than 36 months, then the amount that you withdraw will form a part of your income. It will then be taxed according to your income slab. On the other hand, if the holding period is more than 36 months, then the long-term capital gains will be taxed at 20% with indexation.

In case of equity funds, if your holding period is less than 1 year, then the withdrawn amount will be taxed at the rate of 15%. On the other hand, if the holding period is more than 1 year, then the long-term capital gains will be taxed at 10% without indexation.

*7. SWP payments are subject to capital gains tax.*

In debt funds capital gains made in units redeemed for SWP within the first 3 years from the date of investment will be taxed as per the income tax rate of the investor. Capital Gains (debt funds) made in units redeemed after 3 years from date of investment will be taxed at 20% after allowing for indexation. In equity funds capital gains in units redeemed within 12 months from date of investment will be taxed at 15%. Capital gains in units redeemed after 12 months is tax free, as long as the total capital gains in a financial year do not exceed 1 lakh.

*Tax Efficiency - Dividend or Growth*

The dividend option has been advocated as the way to earn regular cash flows from the mutual fund investment. The impression that the dividend is an extra return has made investors choose this option to the detriment of their long-term goals which will suffer because the dividends actually bleed the longterm corpus that is being built and reduces the compounding benefit to the portfolio.

Investors choose the dividend option on the basis of two misconceptions—one, investing in debt funds with monthly dividend option is equivalent to getting monthly income from the mutual funds, and second, that this dividend is profits that they are reaping out of their mutual fund investment over and above the NAV. I constantly dissuade them of these notions and try and educate them that the dividend is coming out of their investment.

There have been instances of misselling too, where the dividend is projected as a guaranteed feature. The latest instance involved the balanced fund category in 2017, where Fixed Income investors were lured into these schemes on the basis of the continuous dividend paying record of the schemes in the good equity market scenario of 2015-2017. However, this ended when markets crashed in 2018, and the category since then has been seeing huge outflows every month.

A better way to generate regular cash flows from mutual fund investments is to redeem units periodically to the extent required. Unlike the dividend option where there is no certainty on the amount of dividend and the dividend decision is made by the fund management, mutual funds provide the facility of systematic withdrawal plans (SWP) where investors can specify the amount of money required and the periodicity and the mutual fund will execute it by redeeming the required number of units. Using the SWP option gives certainty of income that is not there in the dividend option.

You must not confuse return with cash flow. If you need cash flow then you must select the SWP, which is not only tax-efficient but also does not create the illusion that this is additional income, The drawback, if it can be considered that, is the capital invested may also be withdrawn over time. As long as your annual withdrawal rate is well below the expected return and you judiciously calibrate the process where needed, your capital remains intact over time.

The dividend and growth option were played-off against each other since the tax treatment of returns as dividend and as capital gains were taxed differently.

But with a 10% dividend distribution tax now being imposed on dividends that are distributed and a longterm capital gain tax of 10% on gains over ₹1 lakh per annum in case of equity funds, and a dividend distribution tax of 25% and LTCG of 20% with indexation benefits on debt funds, the choice becomes a little more nuanced.

How do they stack up? In case of equity funds, the DDT of 10% is applicable on the entire amount of dividend. If a systematic withdrawal plan was used to withdraw a specified amount, then the tax will apply only on the capital gains over ₹1 lakh per annum and not on the total amount withdrawn.

The SWP option to generate post-tax returns is clearly superior to the dividend option. In case of debt funds, the availability of indexation benefits on long-term capital gains makes the SWP option even more attractive from a tax perspective. In the SWP option the units held will go down as redemption happens. In the dividend option, the NAV will deduce as dividends are paid out.

The dividend re-investment option, a sub-sect of the dividend option, hits the investor twice-over with tax. First, the DDT is deducted when the dividend is paid, even if it is re-invested in the same scheme. Second, when the investor withdraws the investment, there is a capital gains tax, too, that they are liable to pay. This double tax whammy makes this option completely useless for the investor seeking growth in investments.

Investors in mutual funds are looking for either long term capital appreciation or income from their investments. The dividend pay-out and re-investment options do not give investors any advantage in either of these goals on a post-tax basis. The combination of growth option along with a systematic withdrawal plan is what works for investors in the current tax scenario. Investors should consider switching their investments into the growth option to limit the damage.

Remember, there are exit loads and taxes applicable on such switches, which need to be taken into account.

*CONCLUSION*

We have compared Dividend option. SWP gives the comfort of predictable cash-flows and superior post tax returns. Unlike dividends, SWP gives power to the investor to decide cash-flows. However, this power can be a double edged sword and therefore, must be exercised with utmost caution and great restraint - investor's withdrawal rate should be reasonable low, so that he can create wealth in the long run. My view is SWP rate should not be more than 7-8%.

To know more about Dividend vis-a-vis SWP, kindly contact Jayant Harde on 9373284136 or +91 7122282029. You can also visit our website: www.jayantharde.com

Source: https://hardejayant.blogspot.com/2021/04/an-analysis-of-dividend-vis-vis-swp.html

#systematic withdrawal plan #mutual fund dividends #mutual fund scheme #capital gain #mutual investments #equity funds

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beatricetate89-blog · 4 years ago

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amica auto insurance address

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jamesginortonblog · 7 years ago

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McMafia: who got angry about the BBC series Anna Kosinskaya for the Russian service BBC

My tentative translation (with the aid of Google 😉). Apologies to both Russian and English speakers!

The eight-part drama "McMafia", a joint project of the BBC and the American AMC, was released in the UK on January 1st. Critics generally liked the portrait of the complex world of globalised crime, but some took the TV series about Russian criminals and oligarchs as an insult. The main character of the series is Alex Godman (James Norton), the son of a Russian oligarch with Jewish roots, who grew up in London. His family left Russia when Alex was nine years old. He does not speak Russian After studying at a private British boarding school and at a business school in America, he manages a hedge fund in the City of London. Alex lives quietly and independently, until one day the family affairs put him in a cirtical situation and he finds himself envolved in a complex criminal network that encompasses Russia, Britain, India, Israel, and find himself at the head of a Mafia clan. The series was inspired by the non-fictional bestseller written by British journalist Misha Glenny, "McMafia: Crime without Borders", published in 2008. In the late 90's, Glenny worked as a BBC correspondent in the former Yugoslavia. Illegal commerce of arms and drugs in Europe, as well as human trafficking and smuggling, was centered in this unstable region. Glenny's book tells how, after the collapse of the USSR, a great power moved into the hands of criminal bosses. The free market, the widespread corruption and the weakening of the state control, all contributed to the rise of global criminal syndicates. Israeli businessman Semyon Kleiman explains the book title in the first episode of the series. McDonald's restaurants wins over their Burger King competitors simply because there are more McDonald’s everywhere. You have to establish your business everywher to win the competition, Kleiman explains. "I try to look at organized crime as a business, and I try to avoid moral judgments because people who look at the series or read the book must draw their own conclusions," says Glenny. “Of course, there are a lot of bad people in these criminal organisations, but there are also many people who get involved simply because there is no work elsewhere. "

Writers Hossein Amini and James Watkins were interested in the story and started to work on the script four years ago. They wanted to write a drama series from non-fiction narrative, focused on the story of a family. "During the work, we were constantly dialoguing, so that the family drama did not overshade the criminal world, and they [Amini and Watkins] did an excellent job," comments Glenny, who was appointed executive producer of the series. "This series is both about a family and the organised crime in a global world," explains Hussein Amini, introducing McMafia as a modern version of The Godfather and The Sopranos. The series focuses on the global criminal world and on the subtle relations within it, he emphasizes, not on the story of the Russian oligarchs in London. "Modern criminals are no longer street bandits, they can be bankers, politicians, lawyers, secret agents ... The publication of the Panama Papers and of the Paradise Papers, the RussiaGate, the corruption in FIFA are all examples of a new kind of criminality, "says the screenwriter.

Nonetheless, the Russian embassy in Britain accused the BBC of spreading stereotypes about Russia.Soon after the first episodes were aired, the official Russian embassy account on Twitter asked "How many Russians do you think are really in the UK prisons?" A few days later, the embassy published the results: less than 10. This is close to reality: according to the September 2017 data. There are 35 Russian citizens in England and Wales prisons - several times less than citizens of other countries like, for example, Lithuania or Portugal. In addition to those from the Russian embassy, similar critics came from other sources. British journalist Andrew Marr stressed In his column on the Evening Standard that "McMafia" really seems to flirt with the stereotypes about the Russians in London. "We are a step away from demonizing not the Russian thugs, but Russians and Russia as a whole," he wrote. Marr recognizes the skill of McMafia screenwriters, but he also warns the viewer: "[The TV series] does not tell us anything about Russian people, but it explains the consequences of the dramatic economic collapse. So it pours water at the mill of anti-Russian paranoia. "

Marr adressed James Norton - who was a guest at his BBC programme - with his question about whether Britain really has reasons to fear Russians. "Many criminal groups have emerged in Russia and the Baltic states after the collapse of the Soviet Union," said Norton. “I want to emphasize that the aim of the series is to tell what the global crime has become today. "... [My character] is an ideal example of how difficult it is for a man to be a Russian in England. He tries to behave like a Briton, but his background is constantly hanging over him. Being a Russian is a curse to him, but it should not be so".

The Russian embassy was not alone in taking offence from the characters portrayed in McMafia. The "British lawyers in support of Israel" said that the series offends Israeli businessmen without any justification. The statement was published on the official page of the organization . The organization also found it odd that Israel appeared in the script at all, since initially it does not appear in Misha Glenny’s book. In addition, the lawyers found an actual inaccuracy about the old motto of the Israeli intelligence Mossad . Despite such obvious blunders, the creators insist on the reliability of the series. The action is set in several countries, and the cast is widely international.. Alex's parents, for example, are played by Russian actors Alexei Serebryakov and Maria Shukshina. "From the very beginning, we and our partners decided that we needed Russian language to make Russians sound real, so we looked for Russian actors," director James Watkins explains. During the filming, Uzbek bandits in the script were replaced with Kazakh ones, played by actors from Kazakhstan. Yet, some details of "Russian life" in the series can cause Russians to smile. The series is not yet planned to be shown in Russia, but if it were, Russian viewers might also have questions about stereotypes. Not so serious, however, like Andrew Marr.

Alex's uncle Boris still runs some criminal business, and even after long years of life in London acts on the principles of "business people" from the 90's. Boris is a key figure of the plot. At the same time, he is also the main source of stereotypes. For the role of the Russian uncle, in this case they took Swedish actor David Dencik. Judging by his IMDB biography, Dencik speaks eight languages, but no Russian. As a result, Uncle Boris talks with a strong foreign accent, which instantly recalls the viewer of the Hollywood bad Russians. Difficulties in translation: what is the Russian language in American serials A few more details pertain to everyday life. In 2017, the exiles still live in Hermitage-like interiors, where the "red soup" - the Russian Viagra, as borsch is called in the series called - is served in a fancy tureen and full serving even during a lunch for two. Boris has to teach his maid from time to time that to "red soup" must be made with sour cream, and not fresh cream..

The writers have also peculiar ideas about the oligarchs’s life in Moscow. When Vadim Kalyagin (Merab Ninidze) goes home from the hospital, his family and subordinates greet him with the gypsy song "Drink to the bottom." No gypsy is in sight, so apparently the song is regarded as a traditional Russian greeting. Oksana, Alex's mother, walking past London's Albert Hall, tells her son the story of how from a market vendor she became a princess by marrying the businessman Dimitri Godman, Alex's father. "I had you, your sister, I had Chanel and Dior, - says Shukshina’s character. Much more believable is the hero of Serebryakov’s character, Dimitri Godman., is much more believable. He feels his life abroad as a terrible burden. "I will make peace with the Kremlin, give them my money, my properties, everything they want, and we'll return [to Moscow]," he tells his son. This conversation refers to the intricacies of the relationship between major Russian businessmen and the Kremlin, which are also told by Misha Glenni's book.

The connection between power and the criminal world in Russia appears in the series several times. For example, criminal boss Vadim Kalyagin’s brother is a colonel of the FSB, the Federal Security Service of the Russian Federation. As Andrew Marr pointed out, McMafia does not really talk much about Russians, but quite a lot about the complicated relationships in the criminal world which, unlike borscht and vodka, are generally unknown to ordinary people. An exciting series written by authors who had studied the organized crime around the world for a long time, is one of the safest ways to learn more about it.

#McMafia #BBC Russia #James Norton

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dxrkblaze · 7 years ago

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Give ME ALL FOR THAT MEME BC IM A HO N I LOVE UR WIRITNG U FUCK

this just in: ru is gay and I love her HHDGSHHDDL THAnk u sm homie I cri,,, ❤️❤️

1) of the fic you’ve written, which are you most proud of?Hmm… probably all my colors? Like, there’s a lot I’d like to go back and change, but at the end of the day it was my baby for a good two plus years and there’s a lot of personal stuff sprinkled in there. It kinda shows my emotional progression throughout high school in the story, and while that’s def not why I wrote it, it’s cool to go back and look at it sometimes to see the things I used to say/think about. Plus it’s one of the only massive projects of mine that I’ve actually completed, lol.

Also I have a lot of love for amc just bc it’s so… different, I guess? Like, I’ve never really seen something like it fleshed out into a full-length story, especially not with silver and blaze. And the fact that it rlly touched several ppl and got them rlly into it… that makes me feel kinda accomplished when I’m not being a self-deprecating prick lmao. I rlly rlly wanted it to be my first fic to get to 100 reviews for a reason!

2) favorite tense (past/present/future)Definitely past, I tried present with the unforgiven and it just made it frustrating to write, lmao.

3) favorite POV (first/second/third/etc)I prefer writing in first person, actually. I think it simplifies things for both the writer and reader, and I’ve always found a lot more freedom to be creative when I write in first person.

4) what are some themes you love writing about?Lmao well, obviously romance is priority one for me, so most of my themes stem from that. I rlly love writing about class struggle tho, whether it’s someone low who’s aiming high or a noble who isn’t satisfied with such a high class. Morality also comes up a lot in my writing, I guess; tryna figure out what the right thing to do is, tryna figure out if this character actually did the best thing, all that good stuff!

5) what inspires you to write?Definitely music… sometimes I’ll stray from it and pick up some inspo from movies/stories/etc, but 99% of the time I’ll be listening to a song and suddenly come up w a fic idea from it lmao.

6) thoughts on critiqueI encourage it!! bc I think it’s the only real way to improve. Sometimes it can make me feel bad if I’m in one of those rlly shitty self-deprecation ruts, but still I usually get over it soon even when I’m like that. I know it’s for the better, and I appreciate everyone who’s ever been kind enough, and cared enough abt my writing to give me critique!

7) create a character on the spot…. NOW!UMMMM OKIE,,, what abt a snow leopard named Kyra… she likes to sit around n read n eat noodles… her main hobby other than reading is dancing. she’s v shy but she loves her close friends n BAM I just made her gay. She’s a lesbian, harold.

8) is there a character you love writing for the most? the least? why?Most - probably silver… his personality is always one I’ve gotten a lot of joy out of writing. He’s basically a walking contradiction, lmfao. He’s also pretty easy for me to self-project onto, idk why. Least - I’m gonna say amy for this one, just because it’s been hard for me to focus on more than one aspect of her personality and flesh all of it out. Plus amy is a somewhat overused character lol, I get a lot more fun out of writing blaze/tikal/others when I need a female role, even if it’s something simple

9) a passage from a WIPOh u kno I gotta dip into royalty au for this one 👀

–

It was nearly a fortnight before any word was received from King Pyrus. It came in the form of a small parcel addressed to Blaze, which held a note inside for her. The young princess jumped at the feet of the servant who had brought it in, and once it was lowered into her hands, she hurried to her chamber. Once there, she closed the door behind her and jumped on her bed, unable to contain her excitement. With a careful claw and an eager expression, she tore the parcel’s paper away. Before looking at what it contained, she snatched the note from her father, and brought it to her face. It read:

My Little Flame,

I am sorry I could not write to you sooner. I remain busy, but I finally began exploring, and I found something I think you will simply adore. It is a traditional robe (I believe it is called a kimono) from here in the Eastern Isles. It is just as beautiful as the land, and just as special as you are to I, my dear. We must make plans to bring you here one day, it astounds me each time.

Do not fret about the ongoings in the world, how ever much you have heard. Kiniti watches over us at all times, and she will ensure peace among all kinetics. Hopefully, I will depart in the coming few days, and we will see one another soon.

With love,Father Flame

Blaze, of course, merely skimmed over the second half of the note as a formality. She laid the message aside, and her jaw dropped once she held the kimono out. It was a beautiful shade of dark purple, with an equally enchanting design. Trails of dainty cherry blossoms sat on rugged branches, which climbed up either side of the robe. The silk seemed to melt between Blaze’s fingers; it was the softest material she had ever felt. She rubbed one of the sleeves against her cheek, and purred into it. When she turned the robe over, she gasped. A large, pink bow was already tied at the back, as if it had been made just for her. She slipped the kimono over her shoulders, and although the sleeves hung low over her arms, the length was just right. Blaze tied the pieces of ribbon at her waist, just as Pyrus had taught her, and words could never express how delighted she was with the gift. She could not wait to show her father once he returned.

As Blaze was fitting her tail through the bow on her back, Baxton entered the room. Whenever Pyrus was absent, it was usually Baxton who took up the king’s general duties. He signed letters, addressed the people, attended court; it kept him quite busy. The only responsibility he didn’t inherit was any control of he army - the sole post he would be familiar with. Quite the chore it was, but Baxton was always fond of his temporary sovereign role. At least in terms of the power he held, that is. In fact, Blaze assumed that he had been yelling at some servants not too long ago, judging by his flushed face.

The elder cat scratched his head. “Princess, did the king leave a letter?”

Blaze pointed to the note on her bed. Baxton scurried to it, and frowned as he glanced over the elegant handwriting. “Is this it?” he quizzed.

The princess nodded, and held her arms out with a smile. “Look, Baxi! Look at what father sent me!”

Blaze couldn’t quite tell what Baxton’s expression conveyed, but it was something between a smile and a scowl. The note crumpled in a quick motion from Baxton’s fist, and was thrown back onto the bed cover. Blaze didn’t think much of this as Baxton hurried out, and she walked to her mirror to admire the kimono again.

–

10) what are your strengths wrt writing?Hmm… I get a lot of ppl saying that I’m pretty eloquent when it comes to phrasing/word choices? I’m constantly tinkering with how things are said, even up until like 30 seconds before I publish smth lmao. I also like to think I never just string sentences together and leave it at that when I’m narrating, I pay a lot of attention to how different sentences/phrases flow together.

11) what are your weaknesses wrt writing?My main weakness would probably be going overboard on all the little things, like how a sentence sounds or flows and stuff like that. I end up being a perfectionist with it, and sometimes when I’m crafting/changing phrases around, I end up with a sentence that kinda drags on or tries to do too much.

12) what’s your favorite place for writing resources?Tumblr’s pretty good for me, actually. I rarely ever seek out resources, but I do reblog a lot of them that come to me here and they’ve been very useful to me in the past.

13) who are your favorite writers?Ok first off binch u@aurora-boring-alis (FF: aurora-boring-alis) Then my other peeps who also make the quality goodness™™ I can’t get enough of (some fanfic accounts more active than others)@maliwarm (FF: biteworsethanbark) @lordoftheghostking28 (FF: lordoftheghostking28) @weezernaut (FF: space mercutio)@ebachan (wattpad: witto150)

#asks

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