#Mutual Funds | Explore Tumblr Posts and Blogs

castielsprostate · 22 hours

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PLEASE READ!!

i usually just ignore these but after seeing the donation scam for families to get out of Gaza again, i just feel like sharing this.

please be aware that these asks are 9/10x SCAMS. they use stolen photos, bios and even usernames. they link to some random paypal address to donate to, which is just the scammers personal paypal/a money mule's paypal.

ways to recognise these sobs are

new accounts. posts only go back a few days to 1 week

extremely intricate bios with way too much information, or a header title with no bio, but everything is personalised

grainy photos, weird headers that seem to be pulled directly from google

public likes and followers with likes often only being the posts they reblogged and a very random follower list (which often also doesn't correlate to the fandoms in their bio)

donation link in weird colours, or a linktree that goes to "donation link" and when you click it, it directs you straight to paypal. (if there's an actual gofundme, it is likely not a scam but you HAVE to click the links to make sure. you can name everything anything on linktree with a different link embedded)

to the piece of shit scammers; you guys are fucking wretched and vile and waste the air on this earth. go fuck yourself, please consider becoming a real member of society instead of some basement-dwelling loser that ain't got nothing better to do but prey on the kindness in others. fuck you

linking some REAL fundraisers and foundations you can donate to here

Foundations:

PCRF (palestine)

United24 (ukraine)

Trevor Project (lgbt+)

FourPaws (animals)

Médicine Sans Frontiers (doctors without borders)

CancerCare (cancer)

JustDigIt (climate)

Carbon180 (climate)

WorldDiabetesFoundation (diabetes)

Fundraisers:

Urgent evacuation (palestine)

Trans Ukrainian refugee (ukraine)

Bail for protesters (palestine)

Refugees (palestine)

@ vvictorman_uel (situation)

@ moodybeth12 (situation)

@ dirtangeldean (situation)

Yasha (pet)

Stray cats (pet)

#sjonnie.text #mutual aid #fundraiser #signal boost #<- tagging these so people are AWARE of these losers #genuinely vile disgusting creatures that don't deserve kindness #real donations are so easy to recognise!!!!!!!!#mutual request #mutual aid request #mutual funds #mutual fund

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sharkboyry · 3 months

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I forgot to include my links the other post smh Just got a letter notifying me that my food stamps are cut off sorry to ask again so soon but can I get some help to eat for tonight and also toiletries and groceries until I get my first check 😵‍💫😩

0/75 for groceries

0/25 for dinner

PayPal.me/ryanhawkins23

Cash/venmo:hoekravitz

#mutual aid #black trans lives matter #black lives matter #black autistic lives matter #blm #mutual funds #mutual funding #donate

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the-fab-fox · 3 months

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Guys please!

I need money now.

Not in a week. Not in three. (Though I'll need it then too) But right now I need to move. I need to be out of my apartment and into another before next month. Please please please please reblog these posts.

GOFUNDME POST

NECESSITY POST

Besides these I need to start putting funds aside for the first and last months rent as well as a deposit on a place. IDK what even that will be like because IDK even where to start looking but I'm thinking at the very least 3K but most likely more since this is Portland and America where only the rich get to have living wages and then some.

I really need your help! Linking my GoFundMe page here. You can also send donations to me via PayPal at [email protected].

Please. I'm so close to getting fully back on me feet. I'm feeling hope and joy again.

Please help it stay this way. Please reblog and if you're able, please donate! I need your help! Please.

#desperate #desperate need #help needed #donations needed #funds needed #emergency funds #money needed #donations #please donate #donate #raise funds #mutual funds #funds #mutual assistance #mutual aid #reblog for support

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bungoustraypups · 2 months

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i have dental surgery upcoming on the 23rd and we also have other bills to pay. id love any financial help if anyone can

c@sh@pp: $kingoffankids

v3nmo: @/kingoffankids

my bf has p@yp@l, comment or dm or send an ask off-anon if you wanna use that instead and i'll send a link

pls rb even if you cant donate!

#mutual funds #mutual aid #please reblog #signal boost #fundraising

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ndntighnari · 8 months

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Hey everyone, I'm Ko, and not to make another e-begging post, but I need to do groceries and I have like. No food and no money to do so. I'm setting a goal this time of $250 to completely replenish the stuff we're out of and stock up on things that I can eat when I have no energy.

Any bit helps, even just reblogs, and if people would like some doodles in return for the donations, just shoot me a DM with proof (even if it's just your paypal name) and I'll happily do a doodle as a thank you! If you can't afford to help out, please consider boosting this at least!

Pay Pal

6/250

#mutual aid #commissions #artists on tumblr #mutual funds #fundraising

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serahlink · 22 days

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EMERGENCY COMMS OPEN!

Reblogs are also greatly appreciated! :")

Making a new mini post since none of my others are being seen and we haven't been able to get alot of help thus far, and I'm getting worried since we're three days late to paying now. I'm hoping to get at least 50$ tonight to cover the room for two of the days. We'd need 120$ to cover everything but 50 would give us enough to put down and stay here. We only have an hour and 30 mins left. If we can't stay here, I'm genuinely not sure what we'll do.

I have commissions open in case anyone would like to bump/share or help us out that way. You can find my commission prices on my pinned post or here. Any sort of help we could get would really mean a lot since it's been a very tough last few days for my family and I. I'll have some examples below.

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scretladyspider · 1 month

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I have 5 days left to gather $650.

venmo - secretladyspider

cashapp- secretladyspider

PayPal- [email protected]

I hate being here again. I feel like I’m just in a hole trying to dig out but the hole keeps filling with more dirt, and mud, and sometimes spiders. It’s kind of been like this as long as I can remember. the times where I didn’t have to pick between food & utilities or making sure my car works and supplements that healthcare doesn’t cover or dietary needs or again food are like when I have a foothold. But it’s never sturdy. And every pile of dirt, every job that doesn’t pay enough or takes so much out of me i get worse, every abusive boss, every “service fee” just to get something accessible, every day that I can’t function, every depression that capitalism doesn’t pause for, every burn out and fit of crying and sitting in my car counting quarters outside dollar tree so I can do something like buy shampoo… it’s more dirt that gets poured in makes it even worse and more stressful. Because no, you can’t budget your way out of poverty or hard work your way into your job respecting you, but you can work yourself so hard that your body breaks down from the years of chronic stress and trauma of it being difficult just to stay alive. Without friends and kind strangers, I’d be dead. I know I’m not the only one. And… I know not everyone has anyone to help. So… I’m thankful for your help. I really am. Because this is… this is so stressful. It feels like I could shatter, and I’m just hoping that I don’t get dropped.

Anything and everything helps, especially as this is time sensitive. thank you.

#text post #mutual funds #mutual aid #gofundme #fundraising #queer #lgbtqia #mental health #adhd #ace #disability #capitalism

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princesschubbi · 11 days

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My follow up appointment for after my surgery went really well everyone! I'm healing nicely they said so one more follow up appointment in two ish weeks and I should be close to back to normal!

I hate to ask, but since I am unable to work/make content while I'm healing, any donations to my links would be so insanely appreciated to keep me on my feet until I can get back to making content for you all 🥹 I still have two ish more weeks at least that I won't be able to make any new content or post on my onlyfans and that means i will probably lose a big portion of my income for the time being. I tried to go into this prepared with scheduled content, but an emergency hospital visit made my surgery get rescheduled, which means I ran out of queued posts. I apologize for not being able to put out content while I'm stuck healing right now 😞 I promise once I'm back to somewhat normal I will begin posting again, but in the meantime genuinely anything helps to keep me afloat until then. I'm hoping to get close to $100/$150 so I can afford enough gas for my upcoming doctor appointment as well as my weekly necessities (personal examples: food, soap to wash my incision sight, cat food, etc.) My links will be at the bottom of this post, like I said genuinely anything helps. Thank you if you took the time to read this 🙏☺️ and a special thank you to anyone who supports this post by reblogging or donating 💜

My links 💕

$0/$150

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phoenixyfriend · 1 month

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Ko-Fi prompt from Isabelo:

Hi! I'm new to the workforce and now that I have some money I'm worried it's losing its value to inflation just sitting in my bank. I wanted to ask if you have ideas on how to counteract inflation, maybe through investing?

I've been putting this off for a long time because...

I am not a finance person. I am not an investments person. I actually kinda turned and ran from that whole sector of the business world, at first because I didn't understand it, and then once I did understand it, because I disagreed with much of it on a fundamental level.

But... I can describe some factors and options, and hope to get you started.

I AM NOT LEGALLY QUALIFIED TO GIVE FINANCIAL ADVICE. THIS IS NOT FINANCIAL ADVICE.

What is inflation, and what impacts it?

Inflation is the rate at which money loses value over time. It's the reason something that cost 50 cents in the 1840s costs $50 now.

A lot of things do impact inflation, like housing costs and wage increases and supply chains, but the big one that is relevant here is federal interest rates. The short version: if you borrow money from the government, you have to pay it back. The higher the interest rates on those loans, the lower inflation is. This is for... a lot of reasons that are complicated. The reason I bring it up is less so:

The government offers investments:

So yeah, the feds can impact inflation, but they also offer investment opportunities. There are three common types available to the average person: Bonds, Bills, and Notes. I'll link to an article on Investopedia again, but the summary is as follows: You buy a bill, bond, or note from the government. You have loaned them money, as if you are the bank. Then, they give it back, with interest.

Treasury Bills: shortest timeframe (four weeks to a year), and lowest return on investment. You buy it at a discount (let's say $475), and then the government returns the "full value" that the bond is, nominally (let's say $500). You don't earn twice-yearly interest, but you did earn $25 on the basis of Loaning The Government Some Cash.

Treasury Notes: 2-10 year timeframe. Very popular, very stable. Banks watch it to see how they should plan the interest rates for mortgages and other large loans. Also pretty high liquidity, which means you can sell it to someone else if you suddenly need the cash before your ten-year waiting period is up. You get interest payments twice a year.

Treasury Bonds: 20-30 years. This is like... the inverse of a house mortgage. It takes forever, but it does have the highest yield. You get interest payments twice a year.

Why invest money into the US Treasury department, whether through the above or a different government paper? (Savings bonds aren't on sold the set schedule that treasury bonds are, but they only come in 30-year terms.)

It is very, very low risk. It is pretty much the lowest risk investment a person can make, at least in the US. (I'm afraid I don't know if you're American, but if you're not, your country probably has something similar.)

Interest rates do change, often in reaction or in relation to inflation. If your primary concern is inflation, not getting a high return on investment, I would look into government papers as a way to ensure your money is not losing value on you.

This is the website that tells you the government's own data for current yield and sales, etc. You can find a schedule for upcoming auctions, as well.

High-yield bank accounts:

Savings accounts can come with a pretty unremarkable but steady return on investment; you just need to make sure you find one that suits you. Some of the higher-yield accounts require a minimum balance or a yearly fee... but if you've got a good enough chunk of cash to start with, that might be worth it for you.

They are almost as reliable as government bonds, and are insured by the government up to $250,000. Right now, they come with a lower ROI than most bonds/bills/notes (federal interest rates are pretty high at the moment, to combat inflation). Unlike government papers, though, you can deposit and withdraw money from a savings account pretty much any time.

Certificates of Deposit:

Okay, imagine you are loaning money to your bank, with the fixed term of "I will get this money back with interest, but only in ten years when the contract is up" like the Treasury Notes.

That's what this is.

Also, Investopedia updates near-daily with the highest rates of the moment, which is pretty cool.

Property:

Honestly, if you're coming to me for advice, you almost definitely cannot afford to treat real estate as an investment thing. You would be going to an actual financial professional. As such... IDK, people definitely do it, and it's a standby for a reason, but it's not... you don't want to be a victim of the housing bubble, you know? And me giving advice would probably make you one. So. Talk to a professional if this is the route you want to take.

Retirement accounts:

Pension accounts are a kind of savings account. You've heard of a 401(k)? It's that. Basically, you put your money in a savings account with a company that specializes in pensions, and they invest it in a variety of different fields and markets (you can generally choose some of this) in order to ensure that the money grows enough that you can hopefully retire on it in fifty years. The ROI is usually higher than inflation.

These kinds of accounts have a higher potential for returns than bonds or treasury notes, buuuuut they're less reliable and more sensitive to market fluctuations.

However, your employer may pay into it, matching your contribution. If they agree to match up to 4%, and you pay 4% of your paycheck into an pension fund, then they will pay that same amount and you are functionally getting 8% of your paycheck put into retirement while only paying for half of it yourself.

Mutual Funds:

I've definitely linked this article before, but the short version is:

An investment company buys 100 shares of stock: 10 shares each in 10 different "general" companies. You, who cannot afford a share of each of these companies, buy 1 singular share of that investment company. That share is then treated as one-tenth of a share of each of those 10 "general" companies. You are one of 100 people who has each bought "one stock" that is actually one tenth of ten different stocks.

Most retirement funds are actually a form of mutual fund that includes employer contributions.

Pros: It's more stable than investing directly in the stock market, because you can diversify without having to pay the full price of a share in each company you invest in.

Cons: The investment company does get a cut, and they are... often not great influences on the economy at large. Mutual funds are technically supposed to be more regulated than hedge funds (which are, you know, often venture capital/private equity), but a lot of mutual funds like insurance companies and pension funds will invest a portion of their own money into hedge funds, which is... technically their job. But, you know, capitalism.

Directly investing in the stock market:

Follow people who actually know what they're doing and are not Evil Finance Bros who only care about the bottom line. I haven't watched more than a few videos yet, but The Financial Diet has had good energy on this topic from what I've seen so far, and I enjoy the very general trends I hear about on Morning Brew.

That said, we are not talking about speculative capital gains. We are talking about making sure inflation doesn't screw with you.

DIVIDENDS are profit that the company shares to investors every quarter. Did the company make $2 billion after paying its mortgages, employees, energy bill, etc? Great, that $2 billion will be shared out among the hundreds of thousands of stocks. You'll probably only get a few cents back per stock (e.g. Walmart has been trading at $50-$60 for the past six months, and their dividends have been 57 cents and then 20.75 cents), but it adds up... sort of. The Walmart example is listed as having dividends that are lower than inflation, so you're actually losing money. It's part of why people rely on capital gains so much, rather than dividends, when it comes to building wealth.

Blue Chip Stocks: These are old, stable companies that you can expect to return on your investment at a steady rate. You probably aren't going to see your share jump from $5 to $50 in a year, but you also probably won't see it do the reverse. You will most likely get reliable, if not amazing, dividends.

Preferred Stocks: These are stock shares that have more reliable dividends, but no voting rights. Since you are, presumably, not a billionaire that can theoretically gain a controlling share, I can't imagine the voting rights in a given company are all that important anyway.

Anyway, hope this much-delayed Intro To Investing was, if not worth the wait, at least, a bit longer than you expected.

Hey! You got interest on the word count! It's topical! Ish.

#economics #capitalism #phoenix talks #ko fi #ko fi prompts #research #business #investment #finance #treasury bonds #savings bonds #certificate of deposit #united states treasury #stocks #stock market #mutual funds #pension funds

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