Here is How to Start Investing (Investing For Beginners 2024)

The four Elephants, in the room....

Yeah.

Namjoon has one.

Taehyung has one.

Jimin has one.

Jungkook has one.

Each Elephant represents that date that we all dread.

It's the best kept secret that HYBE harbors.

Each of these men are living 24/7 with the full knowledge that their freedom as ordinary Korean Citizens is going to end. Do not attempt to tell me that they don't know the exact date that they will enlist. That's the biggest untruth of them all.

Why else are Namjoon, Taehyung, Jimin and Jungkook pushing so hard to get their work done, right now? Why else are we seeing a HUGE overlap of releases, a push of merchandise, push to buy their music, and constant publications with their content? Under normal circumstances where time isn't limited, a group on haitus (that is what this is) exploring solo work would not all be releasing so much all at the same time, or within weeks of each other.

When Namjoon said not to ask about the upcoming Military enlistment on his recent live, it wasn't because he doesn't have any information. It is because the company mandates their silence. It's because the company doesn't want to watch their stock take a free-fall when the information about their enlistment dates is made public. It isn't because Namjoon or the others don't know when they will enlist.

Everything is planned out in great detail. I guarentee that they are already planning out the months when all of the members are in the Military. They are planning how to use the content prepared, the merchandise that is in the pipeline, and how to continue to generate interest and cash-flow from ARMYs.

So yeah, don't tell me that the guys don't know when they are enlisting. That is a crock.

In their attempts at damage control from each member's enlistment they are thinking very short-termed, and in a very narrow way. HYBE is completely overlooking what ARMYs are living with, every day that we wait for the next "Notification"... HYBE is completely ignoring the stress and concern that many ARMYs have, waiting silently, for the next one to go.

In my opinion (purely mine and I take full responsibility), this is the greatest disservice that HYBE has done.

Like most ARMYs, what I dread most are the days that we watch Jimin enlist and Jungkook enlist. And, I also wish for it to come as soon as possible, so that we can reach the other side, as soon as possible. 💜

Hirogaru Sky Impressions (4/5)

Keeping this short since I’m still tired from my trip and have stuff to do before going back to work tomorrow.

Thankfully, the past 10 eps only consisted of Majesty’s debut and some (really great) fillers.

Starting with Majesty then. I’m honestly surprised I was correct about them keeping her a toddler despite aging her up when transforming. And as I guessed as much, this means she doesn’t really have a full-fledged character arc of her own.

Not that it’s a bad thing since Ellee-chan still gets a good amount of development cuz she’s a growing child, after all. Which is mainly shown through things like her speech improving significantly each day, learning how to better express herself and her wants. And of course, the heartwarming interactions with her friends who also have their moments in finding the best ways they can to support her (like how Ageha readily believed Ellee-chan who was frustrated when she had trouble transforming into Majesty).

These are all within range of what is expected for a child her age so a whole arc isn’t really needed and therefore, more time and focus can be dedicated to the older Cures, too. So I’m quite pleased with that.

But I also can’t lie that it’s a shame we won’t see what a preteen Ellee-chan is like outside her alter ego.

That and considering her VA is Aoi Koga (of Kaguya-sama fame), we won’t get to hear a further extent of her acting in this role either.

Don’t get me wrong, Aoi Koga absolutely nailed the part of a baby, able to bring out Ellee-chan’s cuteness without making her sound annoying but…the potential is already a loss at this point.

Additionally, for a midseason Cure, Majesty has the least going for her in other departments compared to those before her.

Up till now, they’ve barely scraped at the lore associated with her identity. So when she’s not fighting, she’s limited to being slightly better than the average mascot.

The only attack in her arsenal is simultaneously a group attack so she has to share it with the others. Not to mention half the stock footage doesn’t have her at the center but Sky instead. Despite the attack bearing her name.

With only 8 eps left in the season, it seems the writers brought Majesty out as part of Precure’s yearly formula schedule more than anything. Her purpose is mainly to renew viewers’ excitment in the show (and generate desire to buy the newest toy) since her debut brings a little something new to the table…but she is not allowed to outshine this season’s real star, the lead Cure.

Personally, I think the pros outweigh the cons so it doesn’t bother me too much but it’s also too noticeably flawed and biased for me to really accept it as okay.

Moving on, the fillers.

They were all amazing, definitely better than the previous 10 eps.

Mashiro continuing to pursue the path towards becoming a picture book author and coming to terms with the fact that not everyone will receive her work with good reviews yet still choosing to draw because she’s doing it for herself and those who do enjoy her books was something that resonated with me deeply.

Then more time was devoted to her childhood friendship with Ageha which was super wonderful. We really needed that ep of how they became friends and the writers delivered so excellent job 👍

Ageha finally encountering struggles in her job and learning that it was okay to show sadness in front of her students was something I’ve been waiting a long time to see as well. It was especially good because it corresponded splendidly with the first ep of Otona Precure within the same week (which is also great so far) as the intro of that dealt with Nozomi trying to help her own student.

Portraying adults as realistic adults instead of perfect caricatures who can do anything. Showing hardships by not sweeping them under the rug but acknowleding them with the screentime they deserve so the characters can actually process their own feelings and work out a solution. Displaying a healthy level of idealism, not based on generic platitudes but actual belief. I really appreciate that.

Yoyo cleverly getting Tsubasa a promotion to a sage in Skyland’s royal court was also 10,000 meters of screaming joy for me cuz yea, that boy is way too smart and talented to just settle for flying around. He clearly treasures his homeland and wants to make it a better place for all its inhabitants, including the Dragon Tribe that had been cut off from the rest of the country for decades. He obviously has what it takes to become a diplomat.

He acquired a new dream to devote himself and his skills to and that’s what anyone who’s as wholesome as Tsubasa should get. So it was fulfilling to see that come true for him.

Lastly, Sora. She only had one ep to herself this time but it was a good ep with a good topic (probably one of the best of the Sora eps). Honestly, I think I liked it more because it was only one ep, lol

So yea, with this, I think I’m all set for the rest of the show as far as Tsubasa and Ageha’s arcs are concerned. There will still be more fillers until ep 45 at least, plenty of time to close out the Mashiro and Sora’s as well as the lore surrounding Ellee-chan so it’s just a matter of concluding the story in a satisfying manner.

Other than that, I’m also wondering if we’ll get any super forms for HiroSky since it’s already this late in the season…

…but you never know as it can happen in the finale. Not sure if HiroSky will get its standalone movie in Mar either but if so, we might see something there, too.

Ok, that is all. The season will pass by in a flash so enjoy the rest of HiroSky with a full heart and let’s begin to look forward to next Precure in the new year. Bye for now!

Hello lovely bitches!

I love all of the advice you give, it's perfect for someone like me whose money philosophy is basically, "never go into debt and keep more in your checking account than you spend." (I now have a credit card and keep my emergency fund in a HYSA)

I've decided to start saving up for my first big big expense, a down payment on a home that I would like to buy within 2-5 years. My question is: should I stick the savings specifically for that in a HYSA/CD, or should I invest it in the stock market? I know the stock market is best for long term savings, I'm just not sure where the line between "short term" and "long term" lies. Any advice?

Thank you!

Condragulations, cupcake! That's a huge step and we're so fucking proud of you.

If you're planning to use the money in 2-5 years, don't put it in the stock market. A HYSA or CD will work just fine, and it'll have a lot less short-term risk. The stock market is for longer term financial goals.

From HYSAs to CDs, Here's How to Level Up Your Financial Savings 

Season 2, Episode 2: “I'm Not Ready to Buy a House---But How Do I *Get Ready* to Get Ready?” 

Good luck! We're rooting for you!

If you found this helpful, consider tipping us!

Thess vs Parental Dinner Guests

My mother and I have dinner every so often. She used to invite me out until she finally understood that a) the noise and travel and everything just leaves me tired and sore and not in a great mood, and b) I actually like cooking for people I care for. So now she comes to my place and I cook for her.

Unfortunately, she kind of changed the timings at the last minute, so I did the sensible thing and cancelled my Saturday D&D shenanigans. Not that I didn't sort of have D&D shenanigans; to entertain my mother while I was putting finishing touches on things, and for during dinner, I put on Honour Among Thieves. She loved it, so I sent her home with that on loan - very short-term loan - so she can watch it properly. Or as properly as my mother ever watches anything, because she talks through movies all the time, even if she's never seen them before. The dumbest - if funniest - part is when she asks things like, "Ooh, they're going to die, aren't they? --DON'T TELL ME!" to which I just started replying, "Then stop asking!"

She also really enjoyed dinner. I pretty well outdid myself; I think that's the best roast chicken I've produced so far. Also mashed potatoes with sour cream, garlic puree and a bit of diced onion, and broccoli. Even sent Mum home with a couple of scraps for Digby. But of course, then I had to clean everything up. Which unfortunately involved slicing into my left index finger just below the thumbnail while I was carving up the chicken breast for later leftovers. It got bleedy so now I'm wearing band-aids and it's messing with my touch-typing and also it stings. And all the plates and utensils and all of that, and now the carcass is boiling for stock. Mostly on the basis of, I was buying potatoes and sour cream for this meal anyway and all I needed was some evaporated milk (the accepted substitute for half-and-half) and some bacon and I had everything I needed for more potato soup. Now, I do also have stock cubes but I want to see how it is with fresh stock. Thus, boiling chicken carcass.

Very tired, though. And sore. I kind of left it until late to take my meds so ow on a number of levels. So cancelling Shenanigans was a wise move. There will be hot bath and maybe video gaming, but the video gaming depends on which video game and how fast my finger goes from bleedy to just "ow". Cuts near the fingertip are a bitch; decent band-aid placement tends to immobilise a joint and it has to kind of fold near the top, which enbiggens the fingertip and makes touch-typing hard.

Still. Successful dinner with Mum. It's nice when I can impress her with my cooking. Wasn't quite as good as when I served her meatloaf and she cleaned her plate for the first time in years, but close! And I have leftover mashed potato, and lots of leftover chicken, and she brought me some asparagus and tenderstem broccoli she wasn't using, so a goodly amount of the leftover chicken will become chicken and vegetable risotto. Though if I get hungry later (because of course I skipped lunch like some kind of idiot), it'll be a toasted bacon and tomato sandwich.

...wait. I bought Bugles and was going to have them as snacks for Mum and I forgot entirely.

Eh, well, she was stuffed when she left anyway. Also more for me. I worked very hard today and was very successful and I deserve a bag of Bugles all to myself.

I think charles is very understimated. People like to bring the 5 wins thing, but it's not like he had the car and the team to do much more. Lewis got a dominant car for ages, while charles never had for a entire season. And even in the half season he had it was paired with an incopetent team and reliability issues.No driver can win a wdc without also having a winning car and a competent team behind.

Also the predestined thing is mostly used by fans and media. Its being a long time since charles or ferrari uses the nickname, so I don't think they use that as a marketing.

In the end of the day I find it a shame because I really think he had the potential to become wdc, but ferrari bringing lewis is a clear sign they don't intend to put their cards on charles. Seems like Lando and George are better positioned right now, because Mclaren and Mercedes are focusing on them it seems.

I’m not sure I’d say he’s underestimated. He’s held in very high esteem by most people, which I think is fair. He’s clearly a great driver. And I do think Ferrari believe in him, I think Ferrari just fundamentally don’t buy into the first driver and support driver dynamic like Red Bull do, which is fine in theory but when you are up against teams that have a clear first driver and the field spread is close, equal treatment isn’t going to give you a WDC. They seem reluctant to acknowledge on an organisational level.

But also, bringing Lewis in has innumerable value to the brand as a whole. Ferrari is thinking about more than race wins signing Lewis. They may believe Charles is the future of Ferrari F1, and Lewis is the future of Ferrari. They’re thinking about a much bigger picture here I think. I do think Charles is getting the short end of the stick but at the end of the day, Ferrari is a business, the goal of the company isn’t to give Charles a WDC.

Ferrari have sort of dropped the chosen one thing now, that is true. But I meant in terms of it being Charles’s brand amongst the Tifosi and fans generally…I find it a bit…idk odd now.

I’m waiting to see what next year brings for McLaren, but as at today I would say Lando is best placed to challenge Max. By the end of the year I wouldn’t be surprised if that was no longer the case. I don’t think Merc will ever put their full stock in George though. He failed to do what Charles and Lewis did before him - take the first driver spot from a champion - and I think he will be Ricciardo’d in due course.

A Barbenheimer Assumption (Strikes and Stocks)

The top headlines today are *still* barbenheimer. It's been four months since its release. These are the only *two* movies that will be remembered this year, obviously; With the exclusion of some hidden gems that will be rediscovered a few years from now.

This means the only drawdown on cinema stocks are the lack of new movies.

So here's my assumption; The studios don't want to negotiate because their financial departments have made some poor investments and are hoping for a certain negative sentiment to be realized.

"Keep out of the rabbit holes Melin"

So let's turn to dividend producing stocks; since the whole market is gonna see turbulence, and the automotive industry is facing strikes, a rise in repossessions, and a drop in used car prices, it's likely they'll have to tighten their own belts.

This means a drop in dividend payouts. Which means a drop in dividend producing stock prices and people start to divest from them. That means it's a good time to be watching bluechip stocks.

Remember; A blue chip stock *only means* that the company is well-known and established. [Investopedia Link]

These are your billion$ market cap companies. Your monopolies. The industry leaders. This means that while they might pivot their core business practices; there is a high chance they'll weather the storm (99.9%) barring some sort of black swan which will happen during the storm. So keep an eye out for them, unlike what Plotkin thinks a "black swan event" is, one that happens during a market downturn can and will take out a company as short interest dogpiles.

Out of 1000 companies, 99.9% means 10 of those companies are likely to fail in such an event. So you need to keep on your toes.

Blue chips with Dividends are good to own and best to buy during/after a market down turn. They're the kind of chips with a long shelf life. They're not invulnerable as we've seen with Sears, but they're the best bang for your buck and can get you the 1% returns on your yearly investment (while also appreciating in value.)

What we're looking for in media terms; people excessively blaming welfare recipients, industry workers, anybody middle class or below, teachers, migrants, refugees, immigrants, and this time: Autistic Redditors. (More so than they had earlier this year.)

They'll be doing that because they'll be facing their own belt tightening and their money machines drying up. (Being unable to pay workers AND make a profit)

Just remind them; there are no sure bets.

Hey, regarding your post about Damiano's health, I know it comes from a good place but I'm not sure if "caring about his health very loudly" is a good idea. If he is suffering from a health crisis or is struggling with something privately such as stress, overwork or addiction, a barrage of public speculation about his private life from fans will likely cause more harm than good, and could cause him a great deal more stress. If something bad ever did happen to him, the fault would never be because the fans didn't care enough or speak up about it, it would be because those closest to him were not getting him the support he needs. Unfortunately, as fans, our relationship with Damiano is parasocial and we wouldn't be the ones who could convince him to get help if he needed it. The best way we could support him would be to continue to be kind and compassionate if the band ever did have to cancel a gig or a tour last minute. I hope what I'm saying is making sense. Also I understand it's hard to convey tone over text but I'm not saying this in an angry way or trying to tell you off, I think it's great that you care about him, just wanted to offer a different perspective.

This is the original post: "And I have to say that yes, Damiano is still gorgeous, but he is not healthy. Pretending like everything seems fine is not helping anybody. Caring about his health very loudly is what’s gonna help because public opinion matters to their management team. If enough of us are worried about Dami, then they have to worry about him instead of turning this into another rock n roll tragedy."

I should clarify that when I say "caring bout his health very loudly," I'm referencing to his health in relationship to his record contract which requires him to keep up this insane schedule. Those contracts are what allow Maneskin to perform for us. So while there will be disagreement within the fandom about this, I do feel some responsibility to make sure the band isn't being robbed of their life force. I also have a personal stake in this because bands with bad contracts break up or aren't allowed to record, release, or promote new music.

When I say "Damiano is unhealthy," I don't mean "Damiano has freely neglected his health." Health is a very broad term. It's not necessarily "Damiano has a substance abuse issue." or "Damiano is having a mental health crisis." (Although he has voluntarily shared information that could reasonably raise such suspicions.) I mean "SME has driven Damiano to exhaustion and detrimental coping mechanisms that I believe have made him unhealthy at this time." It's a criticism of their management team, not the band or individuals. With the invisible, omnipresent forces behind them, Maneskin are not operating solely of their own volition. The only way we can judge the quality of the contracts is how that scheduling manifests in the band. Right now, it's looking like Sony is abusing its power.

"So how does caring loudly change anything?"

Short answer? Cancel culture. Companies are terrified by it. It is a brand new, useful, and effective tool that can be mindfully weaponized against appropriate forces. Does Sony Music Entertainment deserve it? Absolutely.

Maneskin aren't in a place to negotiate. They don't own their masters, they don't own their likeness, they won't win a law suit, and can't afford to buy themselves out. The only way something changes for the better is if we, as a fandom, throw an epic shit fit and drag Sony to hell and back by their ear until the news starts reporting it. Get absolutely pissed at how exhausted they look! At the doing TWO WORLD TOURS IN UNDER A YEAR. Giving Maneskin a better contract is cheaper than then their stock price falling over public outrage.

All right, something has come up that has sparked a thought that I need to get out of my head. Specifically I need to tell you exactly why the "take care of yourself" individualistic approach we've adopted toward Covid and toward disease in general here in the United States is a terrible idea. LONG RANT (TM) time!

WHAT AM I TALKING ABOUT?

Recently, as you may have noticed if you have kid(s), infant/child Tylenol is in very short supply. It's not a coincidence that this is happening at the same time as outbreaks of RSV, Flu, and other respiratory and inflammatory illnesses are hitting kids hard and sending many of them to the hospital.

As far as the individualism, it's the general American idea that people should take care of themselves. We don't have a universal health insurance program, you have to buy it yourself (or, if you're lucky, get it through your work). We don't have a universal health care system either, people are asked to navigate a highly decentralized system of hospitals, urgent care centers, and private providers who may or may not be covered under their insurance; even the same provider for a different procedure.

Where these come together is in terms of drug distribution. You see, in many places if there was a shortage of a drug there would be a centralized system to collect and distribute it according to need. In our decentralized system, individuals are responsible for getting their own drugs.

HOW DOES THIS CAUSE PROBLEMS?

So let's think of this in terms of market forces. If something is plentiful you're not going to worry about it; you'll just go out and get it when you need it. If the supply is restricted for some reason, or if you think it might be, you'll probably try to stock up when you have the chance to get it.

If enough people stock up on it who don't actually need it, they can actually end up causing exactly the problem that they fear. Enough people buying and stockpiling can create exactly the shortage that they were buying and stockpiling in order to protect themselves against. This is known as "panic buying".

Of course, if someone who hasn't pre-emptively stockpiled the thing needs it, they may be out of luck.

THE SITUATION RIGHT NOW

After several years where respiratory diseases weren't much of an issue due to measures taken against them (masks and social distancing worked guys!) they've suddenly come roaring back. RSV, Flu, Covid, and others are now hitting kids particularly hard for a number of reasons and have overwhelmed pediatric wards in much of the country.

Even kids who don't get sick enough to go to the hospital are still getting sick and their parents are doing what we all do, giving them cold and flu medication to help ease the illness. More importantly, parents whose kids are not sick (yet?) have heard of the shortage of kids cold and flu medication and are stocking up in case their own kid gets sick.

What this means is that there a lot of parents whose kids are sick who cannot get any medication for them while some parents whose kids are not sick have medication they are not using.

And I want to be clear, this is not the fault of any of those parents. I'm one of them, I have extra Tylenol in case my own kid gets sick. This is the fault of a system that shifts responsibility for a society-wide issue onto individuals.

MARKET FORCES

Understanding the issue is best done by understanding some of the theory behind it.

Let's say that, in normal times, X amount of a good is made. When something happens to increase the demand for that good, those factories have to increase production to X+Y amount. This takes a certain amount of time. You have to secure additional raw materials, additional labor, and, if necessary, additional equipment.

In the meantime, while production gets up to speed, you encounter a potential shortage. If more people need the good than what was initially able to be produced and especially if, in addition to that increased demand, people who don't immediately need the good are stockpiling it in fear of a shortage, you can quickly run out of that good until such time as the factory or factories can increase output to meet the new demand.

In the case of something that isn't immediately necessary, this isn't terrible. If, for example, string cheese were the product in question, I think we'd all agree that it's okay and we can survive until production gets ramped up.

In the case of medication, however, this situation can literally cost lives. Children's Tylenol isn't exactly the kind of thing that will cause you to die immediately if you don't have it, but a lack of it will cause the symptoms of some children who don't get it to escalate to the point where they will need to go to the hospital when they otherwise wouldn't. Once at the hospital they will take up other resources which are also limited and which another child may die without. In other words, the lack of children's Tylenol is causing shortages of other goods which are more critical.

I should point out that none of this section is controversial, even those who promote market and individual solutions over government or centralized solutions acknowledge that these periods of adjustment occur under their proposed systems, they just believe that the benefits outweigh the costs. I simply disagree.

CONCLUSION

By making each American responsible for their own individual outcomes rather than making even the slightest effort at providing some form of centralized assistance we have created the conditions that lead to enormous market inefficiencies whenever a scarcity exists or even if one is feared to exist.

Ordinarily these are just annoyances, but when it comes to medication these inefficiencies can cost lives. There are some goods that simply need to be available when they are needed.

In a rational system we would acknowledge that some goods cannot be simply left to market forces, but our current system leaves us vulnerable to market swings when unexpected events force changes to supply and/or demand. In this way, our dedication to hyper-individualism is quite literally killing us and it would be wise of us to think about the things that we could make better instead of leaving each person to fend for themselves in a system that we know will kill some of them.

The Ballerina P3

Media IRL

Character Thomas Brodie Sangster

Couple TBS X Reader

Rating Sweet + Cute

Concept Ballerina and her Patron 

I proceeded to work even harder, all though I had always tried to do my best knowing now someone's money was on the line, invested in me and my success I felt bad whenever I made mistakes I often saw Thomas, as he would come to practices along with other patrons to watch and discuss us all. He had been my patron for years now, all although I was not his only ballerina, I realized over these years that partons treated us much like one invests in a stock market. Buying and selling between each other as things changed in the market and of course depending on performance and return. Most of his 'investments' were short term he had a knack for picking out the girls next to be put on stage so often times he'd pick out a girl Parton her a few months and when she got her first performance he took the cut and traded her off to one of the older partons with far more money who always wanted one of the on-stage girls. But for some reason, I was different. If ever he did make a mistake and hold onto a girl for more than three or four months he'd drop her like a stone and let one of the other men fund her. But not me. I had yet to even get so much as a walk-on role in any productions by the company but still, he kept me, funded me, came to see my practices and auditions. I didn't know the sort of money it took to Parton a dancer or the sorts of money that could be made from performances but he clearly had money. I would often blush whenever I saw him given now we had known each other so long, he first took me on when I was merely thirteen, and him fifteen. I was now eighteen and him Twenty. And of course the changes we both went through at that time. I did my practising doing my best to not mess up given we had a director in today to watch us, but as I glanced up and saw Thomas leaning against one of the tables he saw me looking and winking at me making me blush hard doing my best to just continue dancing. Once the song was over he called me over so I went fixing my dress as I did.

"Any News?"

"No, nothing"

"Alright, I'll put in a good word for you" he smiled "do a spin for me" he smiled holding my hand so I giggled and did a little twirl "You need new shoes, I've seen you in those four times"

"I suppose they are getting a little worse for wear"

"I'll take care of it" He smiled giving my hand a kiss "Anything else?"

"No no it's alright"

"You sure?"

"Yes sir"

"Alright, it won't be long I'm sure of it. your an amazing dancer y/n someone just has to give you chance that's all"

"I just worry"

"I know you do" he cooes giving my cheek a kiss "You have no need to worry, just focus on your little steps I'll worry about everything else" he smiled

after that long practice today all I wanted was to climb into my bed and rest for the night but when I arrived at the dorms I found a little pastel pink box sitting on my bed I was confused assuming it must have been for one of the other girls from one of there patrons mistakenly placed on my bed, but I sat down beside the box and looked for any notes but there was nothing but the sweet pastel pink paper of the box. Out of curiosity, I opened the little box revealing white tissue paper and a small pink envelope. I took the envelope and opened it as gently as I could so I could see who it was for and return it to the envelope pulling out the little card and seeing the sweet black ink

'To My Dearest Y/n, About time I start taking care of my ballerina X Thomas'

I blushed hard at the thought that it was indeed for me so I pulled open the folds of the tissue paper beyond excited to see what I got and once I had dug through the paper I saw such a beautiful sight.

A brand new pair of Pointe shoes still even with the wooden supports inside to keep them stretched and perfect with sweet baby blue ribbons and sweet fabric, I had never had brand new shoes before always had them handed down from older girls in the company who had outgrown them often having to stuff them with paper and cotton just to get them to fit but theses were perfect even with slightly shorter ribbons given I was a little shorter and didn't have the leg length for the full ribbons. suddenly the door opened and all the other girls rushed into their own beds but many girls saw my box and of course, rushed over to see what I got all going crazy about my new shoes, I blushed hard at the attention while also trying to keep my new shoes close I spotted Mademoiselle looking over the girls to see my box and she gave me a look like she had a chuckle in her throat before she walked away to her own room.

I smiled widely as I danced feeling my feet not aching, not bruising now, at last, having a pair of shoes that fit me correctly, we were dancing today with a director looming over us all as was fairly usual as there were a lot of productions this time of year, The director sent some of us away but I remained with a few other girls the director walked around judging us and making notes on his paperwork he made us do some strange poses but I did my best not to question it.

"Her. Her. and her," he says to Mademoiselle pointing to the girls he wanted he picked out Lilly, Alice and me. I was shocked I was chosen but she handed out the little cards we could give to our patrons confirming we were promised to perform. and we were sent away. I was so excited to think I would finally be allowed on the stage soon enough we were sent to the practice room where of course the partons and season ticket holders were waiting, I noticed immediately people looking at me differently clearly looking at me as they never had before knowing I was a promised performer. I didn't bother to dance I just searched through the sea of men and at last found him close by the bar talking with some other boys he saw me and quickly smiled

"Awww there she is, my little ballerina" He cooes

I smiled widely and jumped into his arms nuzzling into his shirt

"Ohh, hello" he laughs "I missed you too little ballerina. you okay?" I asked

I smiled and handed over my card, he read it and seemed confused for a second before it clicked

"Really?"

"yes" I smiled

"YES! I knew it. I'm so proud of you" He says giving me a sweet kiss and hugging me tightly "My little performer ballerina."

Best Stocks for Trading in the UK

Most individuals are holding different types of assets to increase their wealth. But the twist is that they are unaware of the fact that stocks trading can also be used to increase their wealth. The financial markets is offering one of the biggest opportunities to grow your wealth. Stock trading includes intraday trading, investing in IPOs, short-term, and long-term trading. Right stock when traded with the right strategy and right timing can bring higher returns to you.

Now, when you have made up your mind to start investing in some good stocks, you must be looking for the best stocks for trading in the UK. We have come up with the research that you need to start investing in stocks. Here are the best stocks to trade in:

Lloyds Banking Group PLC

Lloyds Banking Group PLC is engaged in offering a wide range of financial and banking services to their clients. The segments in which it is operating are Commercial Banking, Retail, and Wealth & Insurance. Services such as savings account, current account, vehicle insurance, mortgage, and unsecured customer lending are covered under the retail sector.

The Commercial Banking segment of Lloyds Banking Group, includes servicers such as risk management, working capital management, transactional banking, and financial institutions. Wealth management, investment, and insurance services are included in the Wealth and Insurance segment. Even though the trading price of this stock is low it can generate higher profits in long-term.

In the past five years, 72.02 GBP per share was the highest price of this stock. The current profit earnings ratio of the stock is also good, that is 32.50 per share. It is generating a 2.04% return on equity and 4.67% dividend yield. ABInvesting, TradeATF, and ROinvesting are some of the best financial brokers that you can use while trading in stocks.

Barclays PLC

It is a global financial services provider, offering investment banking, retail banking, wholesale banking, wealth management, and similar services. The services offered by Barclays are available for personal as well as corporate. It is operating in two separate divisions that are international and the UK division.

The highest trading price of Barclays PLC was 226.50 GBP per share. The stock is good for buying as it is generating good returns for the investors. It is having a profit earnings ratio of 16.70 per share and a dividend yield of 0.63%, according to the previous statistics.

Vodafone Group PLC

Vodafone Group PLC is a leading international service provider of telecommunication services. The kind of services offered by it are mobile telecommunication services, such as, access to data, call, text, broadband services, and television line. It is also offering mobile and cloud-based applications for many services like health monitoring, and insurance services.

The highest price of this stock in last five years was 235 GBP per share and best part is that the company is having many growth opportunities in future. Current profit earnings ratio of Vodafone Group PLC is 25.73 and a dividend yield of 6.47% which is good for investing.

Tesco PLC

Tesco PLC is a provider of retail banking that operates in central Europe, UK, and Asia. The services offered are insurance and retail banking. In Asia, it is operating in Thailand and Malaysia on the other hand in the Central Europe it is operating in Hungary, Slovakia, Poland, and Czech Republic. The company headquarters is situated in Welwyn Garden City, UK.

The highest price in which this stock was traded in is 260.30 GBP per share. It is currently generating a 5.47% of dividend yield along with a profit earnings ratio of 15.68 per share. After sustaining in this pandemic period this stock can grow beyond your expectations.

Rolls Royce Holdings PLC

Operating segments of the company are power systems, ITP aero, defense, civil aerospace, and corporates. The integrated power systems that are used on land, sea, or air are developed and manufactured by Rolls Royce Holdings PLC. Engines, nuclear system for civil power generation, and power systems are developed and manufactured by this company. They are also offering aftermarket services of the engines and power systems.

For the defense sector they are manufacturing naval engines, gas turbines, submarines, and military aero engines. However, the share price of this company is currently low but having a strong presence in the market. The highest share price was 341.70 GBP per share. Current statistics of the company says that it has yielded a dividend of 1.47% generated a profit earnings ratio of 19.76 per share.

BP PLC

BP PLC is a natural gas and oil company. It involves in the functions such as production, exploration of oil and natural gas, field development, processing, transportation, storage, and marketing. All these activities are conducted under the Upstream segment. Apart from this, there are two other segments also that are Downstream and Rosneft.

The Downstream segment performs actions like manufacturing, refining, transportation, marketing, and supplies related to crude oil, petroleum, and petroleum related products. On the other hand, Rosneft segment is indulged in investment activities.

589.30 GBP was the highest trading price in which the stock was traded in. The profits earnings ratio of the company is 19.68 and a dividend yield of 6.59%. It is expected that the stock will grow and generate higher returns.

International Consolidated Airlines Group

It is an airline group that offers passenger as well as freight transportation services via air. International Consolidated Airlines Group is currently operating under all these segments that are British Airways, Aer Lingus, Vueling, Iberia, and some other companies also.

In the past five years, the highest price of the stock was 485.81 GBP but the price is expected to grow as compared to the current stock price. It has a profit earnings ratio of 0.86 per share.

Glencore PLC

Glencore is a company that is indulged in marketing and production of leading metals, minerals, agricultural, and energy commodities. The sectors for which the company is serving, includes power generation, steel, battery manufacturing, automobile, and oil sectors. Company’s operations are divided into three segments that are Industrial, Marketing, and Corporate.

The sale and purchase department of physical commodities comes under the Marketing segment. Activities such as over the cost production and cost of sales comes under the Industrial segment. The group related income and expenses are handled by the Corporate segment.

Glencore PLC’s highest share trading value over the past five years was 403.70 GBP per share. There is a 2.87% of dividend yield associated with this stock. The trading platforms that you can use for trading are TradeATF, ABInvesting, and ROinvesting.

BT Group PLC

BT Group PLC is offering communications services. The segments in which it is operating in are Global Services, Consumer, Openreach, Enterprise, and others. When we talk about the Consumer segment, it offers mobile, television, home phone, and broadband services. IT infrastructure and managed network services are handled by Global Services segment. The task of building and managing fixed network that helps connecting homes and businesses are handled by the Openreach segment.

The last segment is the Enterprise segment that includes Information Technology (IT) and selling communications services to public sector and businesses. For the last five years, the share price is gradually decreasing and the highest price was 443.20 GBP per share. But the profit earnings ratio of the stock is 8.27 per share.

HSBC Holdings PLC

Another banking and financial services provider company to invest in for better returns is HSBC Holdings PLC. It operates through different business segments that are Global Banking, Commercial Banking, Wealth Management, and Retail Banking. The services included in the Global Banking segment are advisory, capital markets, financial, risk management services, and similar services.

On the other hand, the Commercial Banking segment is offering services and products related to banking. Activities like wealth management, insurance, asset management, and retail banking are covered under the segment named Wealth Management and Retail Banking.

The peak price of this stock in the last five year was 766.90 GBP per share and it is having a profit earnings ratio of 28.51 per share. It is also having a dividend yield of 2.51%.

Conclusion

These ten stocks are among the best stocks for trading in the UK which can generate higher returns on your investment. If you are unaware of the platforms that you can use for trading, some of the best and easy platforms are ABInvesting, TradeATF, and investFw.

Use These Ideas And Increase Your Gold Knowledge Today!

While gold can be a great recession-proof investment, you really need to know what you are doing. You have many choices, and you want the right gold investments in your portfolio. Therefore, pay attention to and consider the following helpful advice so that you can make good investment decisions. Know what gold is currently selling for. While it's convenient to just bring your gold to a shop, do a little internet research first to see what the range is. That way, you can go in knowing how much you can expect to receive. You will know if you are being lowballed. Be aware of any fees that are attached to the transaction of buying gold. Online purchases come with several types of fees. You may suffer from a markup of as much as ten percent from the dealer. Read all of the fine print to learn about any and all fees that are related to the purchase If you decide to invest in gold, you need to consider it a long-term investment. The price of gold fluctuates constantly but over the long term, prices increase. Even if you plan to make a large investment in gold, buy gold bars or coins separately over a short period of time. Try saving on gold by buying some at regular intervals. It doesn't even matter what the current gold price is. Every month or every regular period, try to buy some gold. Its price may be higher one month and lower the next, but that doesn't matter. The consistency is what matters since its value will eventually even out and rise later on due to gold's value going against the value of currency. One valuable piece of information about gold is that while its dollar value may fluctuate, its purchasing power does not. In other words, if 10 ounces of gold could purchase a car 50 years ago, 10 ounces of gold can still purchase a car today. This is because although the dollar value of the car has increased, so did the dollar value of an ounce of gold. When selling gold, it is important to realize that most states govern the buying and selling of precious stones and metals. For this reason, you should always bring a valid photo id with you when selling your gold. By only dealing with a reputable dealer who requires identification, you can ensure that there is no stolen items in the store. Many people find purchasing gold stocks is a wise investment for their portfolio. When stock of companies lose value, the value of gold stocks rise so this provides some protection for their long term investments. Many investment counselors are now recommending inclusion of precious metal stocks in long term retirement accounts. When in doubt, get it checked out. There are some great knock-off gold pieces out there that really look like the real deal, but are infact fake. The best way to not get duped is by investing in a gold testing kit, or taking the gold piece in question to the pawn shop. You can sell gold by sending it in the mail. Many sellers enjoy this method due to how simple it is. You put jewelry in a prepaid envelope and you'll eventually get a check. Places that use this option usually pay a lesser amount. Sometimes you'll find that people are only willing to give you 30 percent less of what an item's worth, so watch out. Do not buy gold from strangers who approach you in the streets and offer to sell it to you at an unreasonably cheap price. It might sound silly but people fall for it all the time. Holy Rummy are brass or gold plated and the seller will do anything to get you to buy it. Ask to go to the pawn shop and if they refuse, walk away. If you are purchasing gold for investment purposes, understand that there is no guarantee. Gold prices fluctuate often, meaning some investors win big and others lose big. Always make sure you are not investing more than you can afford to, and have a clear understanding of the risks before you invest at all. If you have paid attention to these tips, then you are ready to go ahead and plan out your gold investment strategies. The basic information that has been described is enough to get you going, and now you just need to keep learning. Gold really can help drive your financial future.

Use These Ideas And Increase Your Gold Knowledge Today!

While gold can be a great recession-proof investment, you really need to know what you are doing. You have many choices, and you want the right gold investments in your portfolio. Therefore, pay attention to and consider the following helpful advice so that you can make good investment decisions. Know what gold is currently selling for. While it's convenient to just bring your gold to a shop, do a little internet research first to see what the range is. That way, you can go in knowing how much you can expect to receive. You will know if you are being lowballed. Be aware of any fees that are attached to the transaction of buying gold. Online purchases come with several types of fees. You may suffer from a markup of as much as ten percent from the dealer. Read all of the fine print to learn about any and all fees that are related to the purchase If you decide to invest in gold, you need to consider it a long-term investment. The price of gold fluctuates constantly but over the long term, prices increase. Even if you plan to make a large investment in gold, buy gold bars or coins separately over a short period of time. Try saving on gold by buying some at regular intervals. It doesn't even matter what the current gold price is. Every month or every regular period, try to buy some gold. Its price may be higher one month and lower the next, but that doesn't matter. The consistency is what matters since its value will eventually even out and rise later on due to gold's value going against the value of currency. One valuable piece of information about gold is that while its dollar value may fluctuate, its purchasing power does not. In other words, if 10 ounces of gold could purchase a car 50 years ago, 10 ounces of gold can still purchase a car today. This is because although the dollar value of the car has increased, so did the dollar value of an ounce of gold. When selling gold, it is important to realize that most states govern the buying and selling of precious stones and metals. For this reason, you should always bring a valid photo id with you when selling your gold. By only dealing with a reputable dealer who requires identification, you can ensure that there is no stolen items in the store. Many people find purchasing gold stocks is a wise investment for their portfolio. When stock of companies lose value, the value of gold stocks rise so this provides some protection for their long term investments. Many investment counselors are now recommending inclusion of precious metal stocks in long term retirement accounts. When in doubt, get it checked out. There are some great knock-off gold pieces out there that really look like the real deal, but are infact fake. The best way to not get duped is by investing in a gold testing kit, or taking the gold piece in question to the pawn shop. You can sell gold by sending it in the mail. Many sellers enjoy this method due to how simple it is. You put jewelry in a prepaid envelope and you'll eventually get a check. Places that use this option usually pay a lesser amount. Sometimes you'll find that people are only willing to give you 30 percent less of what an item's worth, so watch out. Do not buy gold from strangers who approach you in the streets and offer to sell it to you at an unreasonably cheap price. Patti Game might sound silly but people fall for it all the time. These pieces are brass or gold plated and the seller will do anything to get you to buy it. Ask to go to the pawn shop and if they refuse, walk away. If you are purchasing gold for investment purposes, understand that there is no guarantee. Gold prices fluctuate often, meaning some investors win big and others lose big. Always make sure you are not investing more than you can afford to, and have a clear understanding of the risks before you invest at all. If you have paid attention to these tips, then you are ready to go ahead and plan out your gold investment strategies. The basic information that has been described is enough to get you going, and now you just need to keep learning. Gold really can help drive your financial future.

So when interest rates go up, the tax shield increases for corporations. The value of the increase depends on the corporations tax rate. The higher the tax bracket, the more valuable the tax shield for the corporation. But this reduces the cost of interest rate increases.

Now the second thing they can do is one of these twelve ways to hedge interest rates. They can use a combination of these hedges as well......

According to Vinovest, short-duration stocks are a good way to hedge against rising interest rates. Other ways to hedge interest rates include:

Treasury Inflation-Protected Securities (TIPS): US Treasury bonds that increase in value when interest rates rise

Exchange-Traded Funds (ETFs): Can help offset the effects of lower or higher interest rates

Interest rate swaps: An agreement between two parties to exchange interest payments

Interest rate futures: Contracts that allow buyers and sellers to lock in rates on an interest-bearing asset

Real estate: Real estate prices tend to rise with interest rates

Short-term and floating-rate bonds: Can reduce portfolio volatility

Inflation-proof investments: Can help hedge against rising rates

Credit-based yields: Can help hedge against rising rates

Commodities: Can help hedge against rising rates

REITs: Real estate investment trusts that own and manage real estate, and are known for paying out substantial dividends 



Investopedia

How to Invest for Rising Interest Rates



investopedia.com

What Is an Interest Rate Future? Definition and How to Calculate

Interest rate futures are contracts that allow buyers and sellers to lock in rates on an interest-bearing asset like a government bond or interbank lending rate.



Vinovest

12 Effective Ways to Hedge Against Interest Rates in 2024 ...

Visit the Vinovest website to know more! ... Invest in Short Duration Stocks. Investing in short-duration stocks is a brilliant way to hedge against rising rates. ... Buy Hedged Bond Funds. Some assets from the fixed income market also make it easy for you to hedge against rising rates. ... Buy TIPS. Treasury Inflation-Protected Securities (TIPS) are US Treasury bonds that rise in value during an interest rate hike. ... Buy ETFs. Exchange-Traded Funds (ETFs) can also help investors offset the effects of a lower or higher interest rate. ... Use an Interest Rate Cap. ... Use Forward Rate Agreements. ... Buy or Sell Interest Rate Futures. ... Use an Interest Rate Swap.



bankrate.com

8 Ways To Beat Low Savings Account Interest Rates

Apr 5, 2024 — Real estate investment trusts, or REITs, are a kind of company that owns and manages real estate, and they are well-known for paying out substantial dividends. Many REIT stocks trade on a stock exchange like a publicly traded company. The risk: Potential loss of principal. Like any stock, a REIT ...



linkedin.com

Hedging Your Interest Cost at the Time of Borrowing

Sep 4, 2023 — Interest Rate Swaps: Interest rate swaps involve an agreement between two parties to exchange interest payments. This can be especially beneficial for businesses with unique financing needs. For instance, a company with a variable-rate loan can enter into a swap arrangement to ...

Other hedging strategies include options and forward rate agreements (FRAs). 

This is for informational purposes only. For financial advice, consult a professional.

How Do I Hedge Against Interest Rates? (12 Best Options to Explore)

Invest in Collectibles Such as Fine Wine. ...

Invest in Short Duration Stocks. ...

Buy Hedged Bond Funds. ...

Buy TIPS. ...

Buy ETFs. ...

Explore Embedded Options. ...

Use an Interest Rate Cap. ...

Use Interest Rate Floors.

More items...

https://www.vinovest.co › blog › h...

12 Effective Ways to Hedge Against Interest Rates in 2024 ...

Now learning how to blend different forms of hedges.

Investopedia

https://www.investopedia.com › ask

How Do Traders Combine a Short Put With Other Positions to Hedge?

A trader can use put options in a number of different ways, depending on the positions he is hedging and the options strategies he is using to

I'm watching Bloomberg as I put this together.

Stocks: Short vs Short

There's some misunderstanding in stocks about the difference between a short-term stock, and shorting a stock. I'm not sure if this is used by certain parties to purposely cover up meaning in the media. It could be, but who knows for sure.

Anyway. A short-term stock is any stock that has been held for less than 1 year. Unlike it's opposite (a long position stock) it is subject to capital gains tax. So holding a stock for longer than one-year is the best way to go if you wish to lower your tax burden.

Day traders whom buy and sell in the span of a day, really have a tax burden, but they get that burden because of the way they play the system. So I have no sympathy for their wallets.

Now, unlike a long position, a short position is not the opposite of a stock held short-term.

Trust me, Google doesn't even have these terms straight. Even investopedia doesn't.

A short position means you sold a stock with the promise of buying back the stock at whatever price it might be in the future. It's kind of like taking a loan against a stock that you don't own.

So you sell an imaginary stock to the market, the limit of which should be about 140% in total (stocks+shorts). I won't go into accusations of 200%+ shorts on certain stocks, because it is illegal, and accusing someone of that kind of illegal activity could be taken as libel. Until they're proven guilty. And I don't have the kind of funds to keep doing that if I intend to grow as a brand.

But, you sell an imaginary stock on the market, or you borrow somebody else's stock to sell on the market, and you make a promise to return that stock or in the case of the extra 40%, you promise the stock exchange commission (SEC) you will buy one back from the market at whatever price the market says it is.

Now, those two definitions of "short position" are WILDLY different aren't they? One is how long you've bought and held a stock, and the other is borrowing somebody else's stock in the hopes that the price will go down, so that you might be able to buy it at a lower price when the time comes to buy it back.

Could you imagine if that's how the "naked short" theory got started? Somebody told somebody to sell a stock short, but instead they shorted the stock?

I am not a financial analyst, nor a financial professional I just enjoy reading conspiracy theories on Reddit. Ty.

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