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Tumblr Tuesday: Year of the Dragon

Happy belated Lunar New Year, Tumblr! It's the year of the dragon, and your local Artists on Tumblr have been churning out the most incredible dragon art you could possibly imagine. Please enjoy these dragons!

@midnightmart:

@mochipong:

@asunnydisposish:

@blossompigeon:

@poqu:

@nonagalleryart:

@kitschchris:

@nekomori-art:

@repecca:

@ink-dot-kay:

@nohtora:

@souperluminal:

@snow-priestess:

@kynimdraws:

@kairisk:

@mamath:

@artilite:

@r4venex:

@poorly-drawn-mdzs:

@capydoodle:

@zeldacw:

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@magitekconveyor

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Happy 45th birthday to Dean Winchester, and goodbye to Tumblr Live. 

In the spirit of how we’ve all come to communicate the news here on Tumblr dot com, here’s this: As of today, January 24, 2024, Tumblr Live no longer exists.

What does this mean?

The Tumblr Live marquee will no longer appear at the top of your dashboards, the Live icon will be removed, and the snooze option will disappear from your settings. You will no longer be able to go live or watch streams. 

Questions?

Here’s an FAQ we’ve prepared for any questions you might have regarding your Live accounts and credits. If you have questions or concerns about this decision, email us at [email protected], and we’ll send you some answers.

Thank you to all the streamers who joined us on this journey. We’ve very much enjoyed watching your LEGO building, wildlife streams, and live draws. And happy birthday, Dean.

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Canadian Personal Finance Digest January 2024

Canadian Personal Finance digest of articles on the topic for January 2024. Many of these articles touch on topics like disablity tax credits, and general financial advice. #MoneyTalk #RandomThoughts

Given I seem to be writing a bit more these days, maybe a digest of my monthly Canadian Personal Finance writings would be useful. My Canadian Personal Finance Writings January 2024 I will take the liberty of including my previous writings from a while back. I have not bound them together for a while. Back to School, Food Inflation, and #MoneyTalk, that was back in September a good long while…

View On WordPress

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Tumblr Tuesday: This post belongs to Annabeth Chase

Today, the prophecy comes true. We're celebrating the final episode of Percy Jackson and the Olympians with some exquisite artistic renderings of everyone's favorite kids and their friends (we snuck some Nico di Angelo in there because, happy belated birthday, Nico).

(Proceed with caution! Very mild spoilers ahead!)

@lotusgrowing:

@linarttz:

@siminiecricketart:

@silkinsketch:

@vvtshh:

@cherriielle:

@spookedbees:

@mags-cp:

@timehourart:

@baaozher:

@haruvenart:

@verlierer-is-lost:

@volukyrja:

@lilbelev:

@sabugabr:

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Tumblr Tuesday: Photography!

Hello, Tuesday, hello Tumblr. Have some beautiful photographic images for your dash, courtesy of some of the supreme #photographers on tumblr.

@dantemarshall:

@cleocartwrightphotography:

@takenonfilmnyc:

@freakishnerd:

@danascruggsphoto:

@abearshapedcountry:

@robertcooper1127:

@epilogueofhare:

@eyeofscottie:

@js-visuals:

@bookergoshoot:

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Did You Know CSR Funds Cannot be Utilised to Fund Government Schemes ?

Explore how Fiinovation optimizes CSR funds to spearhead impactful initiatives. Prioritizing corporate social responsibility (CSR), Fiinovation ensures that each rupee invested generates tangible benefits for communities.

Delve into their innovative strategies and profound impact. Collaborate with Fiinovation to leverage your CSR funds effectively and foster enduring change.

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Tumblr Tuesday: Stardew Valley update, your beloved

Look at you, farming, wooing your loves, and being so, so normal about the little patch you have, the simple life, the love you found in that small settlement by the sea. Sure, it has mines, and in those mines, some monsters, it's true. But look into that sunset with the one you love and tell Yoba you wouldn't trade every blue chicken in the world for a few monsters and another night in Stardew Valley. This is your Stardew Valley 1.6 fanart roundup.

@surelyanne:

@skidotto:

@designs-by-sloan:

@vilochkaaa:

@kodi-art:

@bellaaciao:

@seharuuchan:

@i-eat-kittens:

@czarojay:

@minteehell:

@tinyymaiden:

@bagelb0nes:

@puppypopcornpizza:

@ddlonlyzz:

@rimeah:

@teeth--king:

@doctor-aceus-art:

@chloelemay:

@surteic:

@ophi-chus:

@inchplant:

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㋡🥀

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Creating a solid financial base is the key to achieving long-term economic success and stability. It is the foundation for smart money management, pursuing your financial goals, and withstanding unforeseen financial storms. In this article, we'll discuss ten essential steps that will help you build a solid financial foundation that will benefit you both now and in the future.

1. Set Clear Financial Goals:

Setting your financial goals is the first step toward a good financial foundation. Whether it's owning a home, saving for retirement, or paying off debt, having defined, attainable goals will help you make financial decisions and stay focused on what is important.

2. Create a Budget and Stick to It:

The budget is a financial plan map showing your income, expenses, and savings goals. Budgeting helps to keep your spending under control, find out where you can reduce your expenses, and set your financial goals. The key here is to stay consistent with your budget to spend wisely and save for the future.

3. Pay Yourself First:

Pay yourself first by setting aside a portion of your income for savings. Set up automatic transfers from your paycheck to your savings account or retirement account before paying any bills or other expenses. This means that you are constantly saving money and developing your financial safety net.

4. Build an Emergency Fund:

An emergency fund is necessary for covering unexpected expenses or financial emergencies like medical bills or car repairs. Saving at least three to six months of living expenses in a liquid savings account will be your financial security net when you need it the most.

5. Manage Debt Wisely:

Although there may be some debt, like a mortgage or student loan, which one can't avoid, it is necessary to deal with debt carefully. Pay off the high-interest debt as fast as you can, and avoid new debt unless it is indispensable. Emphasize paying more than the minimum payment each month in order to lower the interest you will ultimately pay.

6. Invest for the future:

Saving is an essential factor in building long-term assets and reaching financial stability. Think about investing in a mix of stocks, bonds, assets, etc., that will meet your risk tolerance and financial goals. Start now and keep adding to it every month to enjoy the benefits of compounding in the future.

7. Protect Yourself and Your Assets:

Insurance is integral to any financial plan, acting as a buffer against unexpected outcomes that may otherwise hurt your financial situation. Ensure you have enough health insurance, life insurance, disability insurance, and property insurance to shield you and your loved ones against unforeseen risks.

8. Continuously Educate Yourself:

Financial literacy is the building block of sound financial decision-making. Spend some time learning about personal finance topics such as budgeting, investing, and retirement planning. Attend seminars, read books and articles, and see a financial advisor to increase your financial education and skills.

9. Review and Adjust Your Plan Regularly:

Life keeps evolving, and so should your financial plan. Please look at your goals, budget, and investment portfolio frequently to ensure they reflect your current situation and objectives. Adjust as needed to ensure you are on the right path towards reaching your goals.

10. Practice Patience and Discipline:

Building a solid financial foundation is a time-consuming process that requires patience and self-control. Remember the big picture, and do not let your short-term emotions control your financial decisions. By sticking to your plan and being disciplined, you will build the financial success you want.

The formation of a firm financial base is a process that calls for careful planning, self-discipline, and diligence. These ten tips will provide you with a good starting point toward financial security, and you will be able to reach your long-term financial goals. Recall that it is never too late to begin consciously cultivating your financial future – take action and stay focused on your success.

About Ramsey Marcello from New Orleans!

Ramsey Marcello, a local of New Orleans, is distinguished by his professionalism, intellect, and creativity, which are major success factors in the financial sector of a dynamic metropolis like New Orleans. He has demonstrated his strong knowledge of finance and law through his career path as a defense investigator to the current CEO of Southern Wealth Advisors. Thus, he is able to offer the best services to the clients.

Marcello got his bachelor's degree in Economics/History and Human & Organizational Development at Vanderbilt University. Later on, he worked in Washington, D.C., with Skadden, Arps, Slate, Meagher & Flom. Nevertheless, his heart belonged to his hometown and its people, and that led him back. Through his transition from an attorney to a financial advisor, Marcello found himself at home, and Southern Coast Wealth Advisors was established in 2018, where he serves as the CEO.

But Marcello's commitment goes beyond his professional work. He is involved in the community in many ways, including serving on the boards of both the Isidore Newman Alumni Association and the Forum for Equality Foundation. Through these roles, he tries to build a solid foundation for achievement, equality, and progress in his home neighborhood. Also, Marcello is one of the members of the Irish Channel Neighborhood Association, an organization aimed at improving the quality of life in the neighborhood.

The Ramsey Marcello story is a combination of expertise, passion, and community spirit, which are crucial for excellence in the finance sector of New Orleans. Apart from his role as the CEO of Southern Coast Wealth Advisors and his commitment to community service, Marcello will continue to influence the financial sector and the lives of people in his community.

#ramsey marcello new orleans | finance #finance #investing #investments

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The Impact of Climate Change on Environmental Law

The Impact of Climate Change on Environmental Law https://ift.tt/SOTF05K Climate change, characterized by global warming, rising sea levels, and extreme weather events, is one of the most pressing challenges of our time. Its profound impact on the environment has necessitated a significant evolution in environmental law, both at national and international levels. This legal framework aims to tackle the root causes and effects of climate change.   Emergence of Climate Change Legislation Initially, environmental laws primarily focused on local issues such as pollution control and natural resource management. However, the global nature of climate change has led to the development of specific legislation targeting greenhouse gas emissions, promoting renewable energy, and enhancing sustainability practices. Countries worldwide are implementing laws and policies to fulfill their commitments under international agreements such as the Paris Agreement which aims to limit global warming to below 2°C and strive for 1.5°C.   Shift in Legal Focus The impact of climate change has prompted a shift in legal focus from reactive to proactive measures. Environmental laws are increasingly incorporating climate risk assessments, long-term planning, and adaptation strategies to deal with expected impacts such as sea-level rise, increased frequency of extreme weather events, and biodiversity loss. This shift emphasizes the need for sustainable development and the integration of environmental considerations into broader economic and social policies.   International Environmental Agreements International cooperation is crucial in combating climate change, given its transboundary nature. Global efforts have been made through agreements like the Kyoto Protocol and the Paris Agreement to establish legal frameworks for addressing climate change on a worldwide scale. Signatory countries must take measures to reduce greenhouse gas emissions and support vulnerable countries.   Challenges in Enforcement and Compliance A major challenge in environmental law concerning climate change is ensuring compliance and enforcement. Many countries struggle with the practical aspects of implementing climate-related laws, including limited resources, technological constraints, and political constraints. Additionally, balancing economic growth with environmental sustainability continues to be a contentious issue in many regions.   The Role of Non-State Actors Non-state actors, including corporations, NGOs, and civil society, play an increasingly significant role in shaping environmental law in the context of climate change. Corporate social responsibility initiatives, sustainable business practices, and advocacy for stronger environmental regulations are contributing to the global response to climate change.   The impact of climate change on environmental law is profound and ongoing. As the world grapples with the effects of a warming planet, environmental law continues to evolve, incorporating more robust, comprehensive, and forward-looking measures to address this global crisis. The challenge lies in effective implementation and balancing environmental imperatives with economic and social needs.In order to tackle climate change, it is vital that all sectors of society actively engage in innovative legal solutions and continued international cooperation. The post The Impact of Climate Change on Environmental Law first appeared on Ramsey Marcello | Law.

#Ramsey Marcello | Law

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The Impact of Global Economic Policies on Personal Investments

The Impact of Global Economic Policies on Personal Investments https://ift.tt/bs2hJC7 In today’s interconnected world, global economic policies profoundly influence personal investments. The decisions made by governments and central banks can impact financial markets, inflation rates, interest rates, and overall economic stability. This article discusses how personal investments can be affected by global economic policies and offers insights into navigating this dynamic landscape.   Monetary Policy and Interest Rates Central banks hold significant power in shaping global economic policies by controlling monetary policy. The adjustments made by central banks to interest rates have a direct impact on personal investments. Lower interest rates encourage borrowing and investment, which can boost stock markets. On the other hand, higher interest rates can make fixed-income investments such as bonds more appealing, which can negatively impact stock market performance.   Investors must stay updated on central bank decisions and consider how interest rate changes may impact their portfolios. For instance, during a period of rising interest rates, allocate a portion of the portfolio to fixed-income assets.   Fiscal Policies and Government Spending Government fiscal policies, including taxation, spending, and budget deficits, can influence personal investments. Tax policies can affect after-tax investment returns, while government spending decisions can impact economic growth and market sentiment.   Investors should keep an eye on tax changes and consider the implications for their investment strategy. For instance, changes in capital gains tax rates can influence investment decisions, such as when to buy or sell assets.   Trade Policies and Global Markets Global trade policies, including tariffs and trade agreements, can significantly affect personal investments. Trade disputes between countries can disrupt supply chains, impact corporate profits, and lead to market volatility.   In order to mitigate the risks associated with trade policies, investors should diversify their portfolios. A well-diversified portfolio that includes investments in various geographic regions and industries can help spread risk and reduce exposure to potential trade-related disruptions.   Inflation and Currency Movements Global economic policies also influence inflation rates and currency values. Inflation reduces the value of money over time, impacting investment returns. Currency fluctuations can also affect international investments and pose foreign exchange risks.   Investors should consider assets that have historically served as hedges against inflation, such as real assets like real estate or commodities. Additionally, currency risk can be managed through currency-hedged investment products.   Regulatory Changes and Sector-Specific Policies Government regulations and policies can heavily influence specific economic sectors. For example, environmental regulations can affect the energy sector, while healthcare policies can impact the pharmaceutical and healthcare industries.   Investors should stay informed about sector-specific policies and regulations that may impact their investments. Understanding how these policies affect specific industries can inform investment decisions and portfolio allocation.   Global economic policies are inextricably linked to personal investments. Investors should consider the impacts of central bank decisions, fiscal and trade policies, inflation, currency movements, and sector-specific regulations on their investments. Staying informed, diversifying investments, and adjusting strategies in response to changing economic policies are essential to navigating the complex and ever-changing world of personal investments in a global economy. The post The Impact of Global Economic Policies on Personal Investments first appeared on Ramsey Marcello New Orleans | Finance.

#Ramsey Marcello New Orleans | Finance

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How to Spot Emerging Real Estate Markets Nationwide

How to Spot Emerging Real Estate Markets Nationwide https://ift.tt/x5Ho89j Identifying emerging real estate markets is a key skill for investors and homebuyers looking to maximize returns or find their dream home at a competitive price. As of 2024, the real estate landscape continues to evolve, influenced by various economic, demographic, and technological factors. This article offers insights into spotting emerging real estate markets across the nation. Economic Growth and Job Market Trends One of the primary indicators of an emerging real estate market is robust economic growth and a thriving job market. Regions experiencing an influx of new businesses, corporate expansions, or significant infrastructure projects will likely see increased housing demand. Pay attention to news about companies relocating or expanding, as this often precedes a surge in housing demand. Population Growth and Demographics Closely related to economic growth is population change. Emerging markets often exhibit steady population growth, driven by factors like job availability, quality of life, or climate. Additionally, demographic shifts, such as an influx of younger residents or retirees, can indicate changing housing needs and potential market growth. Real Estate Development and Inventory Levels An increase in real estate development activities, such as new residential or commercial projects, can signal an emerging market. Low housing inventory levels and rising demand often lead to price appreciation, making these markets attractive for investment. Rental Market Trends The rental market can provide valuable clues about an emerging real estate market. Look for areas with low vacancy rates, rising rental prices, and high rental yields. These indicators suggest strong rental demand, which often correlates with broader real estate market growth. Transportation and Accessibility Improvements Improvements in transportation and accessibility, such as new highways, public transit expansions, or airport upgrades, can make an area more desirable and accessible, boosting real estate values. Pay attention to planned or ongoing infrastructure projects. Lifestyle and Cultural Factors Emerging markets often have a growing reputation for lifestyle and cultural amenities, such as vibrant arts scenes, outdoor activities, or culinary experiences. These factors can attract new residents and contribute to a market’s growth. Government Policies and Incentives Government policies, such as tax incentives, development grants, or relaxed zoning laws, can stimulate real estate development and attract investment. Keep an eye on policy changes that could impact real estate dynamics. Data and Market Analysis Tools Leverage real estate data and market analysis tools to identify trends and compare markets. Look for data on home price trends, days on the market, and rent-to-price ratios. These tools can provide a quantitative basis for identifying emerging markets.   Spotting emerging real estate markets requires a multifaceted approach that considers economic, demographic, and lifestyle factors, along with government policies and real estate data. By staying informed and analyzing these key indicators, investors and homebuyers can identify promising markets with potential for growth and value appreciation. Remember, real estate markets are dynamic, and it’s crucial to monitor these factors for changes and trends continually. The post How to Spot Emerging Real Estate Markets Nationwide first appeared on Ramsey Marcello New Orleans | Real Estate.

#Ramsey Marcello New Orleans | Real Estate

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Millennials and Gen Zs were raised to be entrepreneurs of the self, to believe that, if they simply worked and studied hard enough, success and security were waiting in their futures. Failure was a personal blight for refusing to invest their time wisely, for failing to grind hard enough. Post-2008, that dream was shot. You could work and work, but that did not mean that you would have job security and freedom from roommates by your mid-30s. Maybe this was what was meant by burnout culture. In the aftermath of the crash, middle-class people spoke of the death of the dream – the postwar ethos that, if you were willing to work hard enough and play by the rules, upper mobility and success were waiting in your future. If their parents had believed in climbing the ladder and just rewards for their hard work, this path was now closed to their children. These generations are also a product of the speculative environment they were raised in. Most of the day-traders were teenagers or children in the financial crash, or just graduating college. Fledgling adults in the COVID-19 pandemic. Born between the mid-1980s and early 2000s, their identity is shaped by the vacuum of post-communist politics (I, personally, was sent, age five, to a fancy-dress party styled as the Berlin Wall) or shaped by the speculation and excess of the dotcom era, or racked by the uncertainty of the 2008 financial crash. They’ve encountered the death of the American dream (or in Ireland, where I’m from, the optimism of the Celtic Tiger) and felt the withdrawal of the state’s contract in everything from mounting student debt to inferior healthcare to the rising cost of living. The postwar security and investment in public goods like education and housing their grandparents and parents enjoyed has been replaced by volatility and risk. Retail trading forums like WallStreetBets and NFT Discords are spaces where people trade crazy investment advice, but it’s also where they articulate their loss of hope in those same dreams. What replaced the fantasy of the good life? Dreams of prepping for life on Mars or in the metaverse? Of financial security through wild trades, or finding a good man to take care of you so you could leave the hustle behind? And who are these new dreams in service of? If the tale of hard work and upward mobility kept us yoked to our employers and our 9-to-5 jobs, the fantasy of the YOLO investment ‘Lambos or food stamps!’ keeps its subjects attached to the market. To risking it all. And these dreams feed the market, as in the crypto winter of 2021 where many vulnerable investors were left holding the bag, or the post-GameStop frenzy where, despite feelgood stories about David and Goliath, the significant profiteer was the market-maker behind the Robinhood trading app.

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Study Smarter, Not Harder: Proven Techniques to Boost Your Learning Efficiency!

Girls in Finance project server // other posts

Unlock the secrets to efficient studying with these actionable tips:

Understand Your Learning Style:

Discover whether you're a visual, auditory, kinesthetic, or read/write learner.

Tailor your study methods to align with your dominant learning style for maximum effectiveness.

Create a Strategic Study Plan:

Break down your study sessions into focused, manageable chunks.

Prioritize tasks based on importance and difficulty to optimize your time.

Utilize Active Learning Techniques:

Engage in activities that actively involve your mind, such as summarizing information in your own words or teaching the material to someone else.

Incorporate Technology Wisely:

Leverage educational apps, online resources, and digital tools to enhance your learning experience.

Use platforms like flashcard apps or note-taking apps to stay organized and reinforce concepts.

Take Breaks Mindfully:

Implement the Pomodoro Technique or similar time-management strategies.

Schedule short breaks during study sessions to maintain focus and prevent burnout.

Optimize Your Study Environment:

Identify the setting where you feel most productive and comfortable.

Minimize distractions and personalize your study space to create an optimal learning environment.

Practice Retrieval and Self-Testing:

Test your knowledge regularly through self-quizzing.

Focus on recalling information from memory, as this enhances long-term retention.

Prioritize Sleep and Well-being:

Ensure you get sufficient sleep to support cognitive function.

Incorporate healthy habits like regular exercise and balanced nutrition to enhance overall well-being.

By incorporating these strategies into your study routine, you'll not only study smarter but also pave the way for academic success. Remember, it's not just about the quantity of study hours but the quality of your study techniques that make a significant impact.

Join our Girls in Finance project if you want to learn more about studying finance and the financial world <3