#divided into three payments to look reasonable
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Sweet on You, Chapter 5
Pairing: Matt Murdock x F!Reader
Story Summary: HERE
Warnings/Tags: Sugar Daddy!Matt Murdock, Idiots to Lovers, No Age Gap, Alternating PoV, No Use of Y/N
Word Count: ~2k
A/N: None for this chapter except enjoy!
(Divider by the superb @theradioactivespidergwen !)
Tag List: @danzer8705 @capylore @shouldbestudying41 @atemydadforbreakfast @peachy-flxwr @sleepysleepymom @fishinsuits @milkbummm @lazyxsquirrel @beezusvreeland @caughtthefever @bohemianrhapsody86 @yarrystyleeza @indestructeible @pepperthebi-spy @kezibear
How does Italian sound for tomorrow night? I was thinking Casa Italia over on 51st.
You couldn't help but smile as you noticed the text notification from Matt on your phone.
He had apparently texted you several hours prior but you had been busy taking notes for Mr. DiStefano during a meeting with an important client most of the morning and had just gotten a second to breathe before having to go pick up lunch for the partners (because God forbid they be willing to pay a few extra bucks for delivery and tip instead of sending you to go fetch it).
That sounds great, you replied. What time and where did you want to meet?
You put your phone back into your pants pocket and gathered your purse, then stopped by your boss's office. “Excuse me, Mr. DiStefano, I'm heading out to go pick up your lunch.”
Mr. DiStefano nodded. “As soon as you get back I need you to input the payments that came in this morning and bring the checks to the bank since you didn't do it earlier.”
Your eye twitched. The reason you hadn't done the deposit yet was because right after you had signed for the incoming checks and the courier had left you had been called into that 3-hour meeting. As it was, you'd barely had time to lock the envelopes in your top desk drawer and forward the main phone line to voicemail before Mr. DiStefano was exaggeratedly sighing while looking at his watch.
You plastered a fake smile on your face. On top of still needing to do the day's deposit you also had to transcribe the notes you had taken during the meeting while they were still semi-fresh in your mind, return phone calls, forward voicemails, schedule more meetings, and prepare and send the day’s invoices. “Of course, sir.”
You continued down the hall towards Mr. Williams’s office, passing the doorway without stopping when you heard him and Mr. Abbott laughing together in Mr. Abbott’s office.
“...So then she goes -- she goes, ‘oh, okay’ and drinks it anyway!” Mr. Abbott was saying. “Dumb as a box of rocks, but at least she had a nice rack.”
You rolled your eyes before stopping in front of his office. What a tool.
You knocked on the doorframe. “Excuse me, Mr. Abbott?”
Mr. Abbott paused and looked past Mr. Williams to you. “Yes?”
You fought to keep your smile. “I'm sorry to interrupt, but I'm just letting you both know that I'm going to go pick up your lunches now.”
Mr. Williams, who had also turned towards you once he realized you were in the doorway, nodded.
Mr. Abbott dug his wallet out of his pocket and handed you a laundry pickup ticket. “While you're out, pick up my dry cleaning for me. Thanks, dollface.”
What you wanted to say was ‘fuck you and your fucking dry cleaning’ but instead you forced yourself to remain calm. “Sure thing, Mr. Abbott. Mr. Williams, do you need anything else while I'm out?”
Mr. Williams glanced at Mr. Abbott briefly before looking back at you and shaking his head. “Not at the moment, no.”
You nodded. “Okay then, I'll be back soon.”
Your smile dropped as soon as you turned away from the doorway. There goes any chance of me having a lunch break. At least by some miracle all three of the partners had ordered from the same restaurant today so you (probably) wouldn't be late getting back.
You took a deep breath. It'll be fine.You got this.
You made sure that the phone was still forwarding to voicemail then headed out.
You waited until you had gotten down the block a ways before you took your phone out of your pocket, pulled up your contacts, and pressed the dial button.
You put your phone up to your ear as it began to ring.
“Sky’s the Limit Tech Consulting, this is Roxanne,” said the voice on the other end.
You smiled at the sound of Roxy’s voice. She was the little sister you had never had -- despite your 11-year age difference the two of you had grown close over the three and a half years she had worked at DiStefano and Associates. “Hi, Rox.”
Roxy said your name. “Oh my gosh, hi!”
“Is this a bad time?”
“For you? Never. Just give me a second.”
You heard Roxy set the phone down and close her office door.
She picked the receiver back up. “Okay, I'm back. What's up?”
“I just needed someone to vent to for a minute.”
“Still haven't replaced me and Tab yet, huh?”
You sighed deeply. “No, and it'd be one thing if they'd at least mention advertising your positions, but I haven't even heard a peep. I'm honestly starting to feel like they aren't even going to bother replacing you, because why go through the trouble of replacing the two people they lost when they can save money by just running me ragged instead?”
“I'm so sorry, I feel terrible leaving you by yourself. Maybe I should have stayed there instead of accepting my position here.”
You shook your head. “Nope. Not hearing that. You worked your ass off in order to earn your master's degree so you could get your dream job in Silicon Valley. You didn't know Tabitha was going to get fired 2 days after you left New York or that DiStefano was going to decide that 1 assistant was enough for all 3 of them.”
“Still, I feel bad leaving you to have to deal with all 3 partners by yourself.”
You rolled your eyes. Despite the fact that she had been absolutely useless, it had almost been worth having Tabitha around just to distract Abbott from hitting on and making gross, sexist comments towards you. “Ugh, yeah. Abbott just ordered me to pick up his dry cleaning while I'm out getting the partners lunch today and called me ‘dollface’.”
“Eww.”
“And DiStefano pulled me into a 3-hour meeting this morning in order to take notes then made a passive-aggressive comment about me not having done the daily bank deposit yet.” You sighed. “At least Williams hasn't sexually harassed or made me feel incompetent yet today, but since the day’s only half over there's still a chance!”
Roxy groaned. “Girl, fuck them. Why don't you just quit?”
You shook your head. “You know I can't, not if I want to eat and keep a roof over my head while trying to help my mom with her hospital bills.”
Roxy hummed. “Speaking of that, how's your other job going? Found you a hot, rich ‘companion’ yet?”
You grinned as you thought about Matt. “Actually, yeah, I have.”
Roxy gasped. “Hey, that's great! So what's his name?”
You bit your lip. Roxy was the only person who knew about your S&S profile -- after all, she was the one who had gotten you to join -- but your contract made it clear that you wouldn't reveal the nature of your relationship with Matt to anyone. “I can't tell you. He wants to be discreet so he had me sign a contract saying that I won't tell anyone about him and me.”
“Ooh, is he a celebrity?”
You huffed out a laugh. “No, he's an attorney.”
“Married?”
“Nope. Or at least, he told me he was totally single.”
“And you believe him?”
You thought about how honest and genuine Matt seemed to be so far. “Yeah. Yeah, I actually do. He doesn't seem to be trying to hide me in particular, just how we really met and what our arrangement consists of.” You paused. “Anyway, it's really new. We met up for coffee on Saturday and had dinner together Monday night. He took me to Okinawa.”
Roxy whistled. “Okinawa? Wow, he must be loaded. When are you seeing him again?”
“Tomorrow night after work, actually. We're going to Casa Italia.” Which was again a very nice restaurant but thankfully wasn't nearl y as expensive as Okinawa.
“Ooh, nice. Fingers crossed that everything works out for you and that he doesn't turn out to be a creep.”
“Thanks. He seems really sweet so far.”
You slowed as you reached the restaurant from which you were picking up lunch. “I gotta run, but thanks for listening.”
“Hey, any time. Let's FaceTime soon, okay?”
“Okay. Bye, Rox.”
“Bye.”
You hung up and repocketed your phone, slightly disappointed when you didn't have another text from Matt waiting for you.
Even though your arrangement was strictly business, he made you feel like you mattered -- which was way more than you could say for DiStefano, Williams, and Abbott.
“Hey, how did the emergency hearing go?” Foggy asked as Matt walked into the office.
“The judge granted the retrial,” Matt replied with a relieved sigh. “Now we just have to finish reviewing the rest of the evidence to find everything else we need to get Conrad's conviction overturned.”
He’d had to go to court first thing that morning for an emergency hearing -- a new client of theirs who had been wrongfully convicted of first-degree murder in the double shooting of his former fianceé and her then-husband (who had happened to be a U.S. senator) had been scheduled to be transferred from Rikers to a federal penitentiary in three days, but luckily while reviewing the case Matt had discovered a major discrepancy in what the responding officer had testified to on the stand versus what the police report had stated and managed to convince the judge not only to a retrial, but also to delay the transfer so Matt could have access to his client.
Foggy sighed. “You’d have thought that Sanders would've caught that, especially since his trial notes included what Officer Stanton had stated in his initial report.”
Matt shrugged. He had found in his and Foggy's years of law practice that most of the wrongful conviction cases they had taken on (and won) was because some harried public defender had botched their clients’ cases because of overlooked details (or in more than a few cases, just not caring since they weren't getting paid extra for it). “It happens. Either way I'm sure we'll be able to find what we need.”
“Yeah.” Foggy paused. “So hey, how was your date on Monday? Things were so crazy yesterday that I didn't even get to ask you about it.”
Matt smiled. Even though it hadn't actually been a date he had genuinely had a good time with you and was looking forward to your next evening out. “It was good.”
“And? I want details, man!”
“There really aren't many details to share -- she met me over here, we walked to the restaurant, had a nice dinner, then said goodbye and went our separate ways.”
“That’s it?” Foggy sounded disappointed. “Guess that means no second date then.”
Matt grinned and shook his head. “Actually, we made plans for tomorrow night before we left the restaurant.”
He took his phone out of his pocket and turned it back on. “Which reminds me…”
He waited for it to boot up and smiled when his phone announced that you had replied to his earlier text confirming your plans for dinner.
He tapped at his screen and waited as it read off your reply. “ That sounds great. What time and where would you like to meet?”
He tapped the ‘reply’ button. “ Is 7 PM at the restaurant okay with you?” With the retrial being granted, Matt knew that he would be staying late at the office since he needed to prepare.
“That sounds fine,” his phone dictated when you replied a few seconds later. “I'll see you then.”
“At least tell me about her if you're not going to give me specifics about your date,” Foggy said. “What does she do and is she hot?”
Matt chuckled. “She's an office assistant at an architectural firm not far from here and I really wouldn't know if she was hot, but what I do know is that she's nice and that we have a lot in common.”
“So when can we meet her?”
Matt shrugged. He wanted to make sure you were completely comfortable with his and your arrangement before he introduced you to his friends. “I don't know yet. Maybe in a few weeks? Depends on how things progress.”
He shook his head. “Anyway, let's get busy. We've got a trial to prepare for.”
#lotmf writes#Sweet on You Masterlist#matt murdock x reader#matt murdock x f!reader#matt murdock x fem!reader#matt murdock x you
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CHAPTER FOUR
Hardest Part of Ending is Starting Again
an avengers x john wick crossover fanfic
You can access the previous chapter here: Chapter Three | Series Masterlist Access
PAIRINGS: avengers x teen!reader (platonic) , tony stark x niece!reader , john wick x daughter!reader , peter parker x female!reader
SUMMARY: An old friend had decided to drop by and say hello at your hotel room, telling you about Abram’s whereabouts and causing you to be ambushed by his men out of nowhere. Eventually teaming up with the person you least expected.
AUTHOR’S NOTE: hello, here’s chapter four and i hope you’ll like it. updates will be slow starting today, since i’ll be busy now. maybe during the weekends, i’ll be able to post a new chapter. comments, notes, and reblogs are always highly appreciated. thank you so much for liking and supporting my story! also, i’m sorry if ever there are typos ><
REMINDERS: this story is pure fiction. i do not own the characters of avengers, spider-man, and john wick franchise. this work is originally written by the author (me), please do not copy or repost my work in other platforms.
WARNING: foul language, violence, blood, knife, guns, death, and mentions of child abandonment
WORD COUNT: 4,850
DIVIDER BY: @silkholland
It was already late when you arrived at the continental, you gave the driver a gold coin as a payment for his services and thanked him. You got out of the taxi and made your way inside of the continental, the concierge smiled at you.
“Good evening, Ms. Jovanovich, would you like a room?”
“Yes please.” You replied and placed the room keys in the desk.
You scanned the place in a discreet manner. The continental is peacefully quiet at this time of hour, just like every other night. Though you noticed a woman sitting in a faraway corner from the concierge, drinking something, probably a wine. But the woman was awfully familiar to you, you just can’t point out who it is exactly.
“Here’s your key, Ms. Jovanovich. Enjoy your stay.” You nodded at the concierge and bid him good night.
You arrived at your room and unlocked it with the key that the concierge gave to you. The room looks beautiful as always, squeaky clean, just how you like it. You set down your briefcase and place your bag at the couch. You decided to change your clothes to a comfortable one, and grabbed the human anatomy book that you had bought this morning.
The reason why you bought a human anatomy book is because you want your attack to be precise whenever you use your gun or knife. Your father is a skilled physician, so his knowledge about the human anatomy is vast. When he’s in combat, he knew exactly where to target the opponent, he’ll target them where it’ll take most of the damage. In short, where it will kill them quickly.
You are currently in the bed, laying comfortably and reading. Your room was already dark, except for the faint light of the lamp on your bedside table, casting a warm glow over the space as you read. You are in your zone, full attention on the book you’re reading, when you suddenly heard the sound of footsteps approaching your door. Whoever is trying to sneak up on you is not discreet, it was like they are letting you know that they are planning to barge inside your room. You had reached slowly for your gun that you placed on the bedside table in case of emergencies.
The door was forcefully opened, the locks of it flying off. It was the woman that you saw at the receiving area. Now that the person is infront of you, you already recognized the person clearly—it was Anya Nikolaev. Her eyes wild with rage, and without any warning, she launched herself onto you, but you managed to get away, but she quickly drew her gun. You are trying to dodge her attacks, as she’s shooting at you nonstop. She got you good, for some part. Like bruises here and there, especially at the face.
You and Anya go way back, you had met her when you’re just starting in the field and her being a year or two ahead of you. You hate to say it, but she’s a skilled marksman and overall a good assassin. You had always tried to be civil with her from the very beginning, but she never fails to remind you of how she hated—loathed you so much, and you never knew the reason why.
Anya had managed to disarm you by elbowing you at the wound that you have in your stomach and kicking your gun away from you. You charged at her with full force, slamming into her middle, and immediately having her in a guillotine chokehold, quickly subduing her. She had tried to get away from your hold by firing her gun and aiming randomly, maybe hoping to shoot you right in the face. You had her choking for air, you can choke her that can stop the flow of her blood anytime, but you needed information from her, and you’re inside of the continental where doing business is not permitted. It’s a rule that you intend on not breaking.
“I’ll give you a chance, Nikolaev,” You warned. She still struggling in your hold, “Stop this now and spare yourself from being up for execution by the management.” She didn’t show any signs of stopping.
You’re both struggle in trying to gain an upper hand, seeing who’ll give out first. Your hold on her keep getting tighter and tighter, until the telephone in your room rang. The telephone was just right within your reach, so you reached out to the phone so fast, but still holding on to her tightly.
“Ms. Jovanovich, I have been getting noise complaint,” It was the concierge, “Is there anything wrong?” You breathed heavily.
“Oh yeah, I’m okay. Everything’s good, just dealing with an uninvited guest, that’s all. But don’t worry, she’ll be out in no time.” You chuckled.
“I see. Would you like to schedule a dinner reservation?”
“Can you hold that thought? I’ll get back to you.”
“Certainly. Have a good night, Ms. Jovanovich.”
“You too.” You dropped the call.
Anya had managed to escape your hold. She grabbed a knife that was tucked inside of her coat, she had managed to land a small slice on your left cheek. You grabbed the first thing that your eyes land on, which is a stool and whacked it at her.
“Are you fucking kidding me?!” The attack that you made at her didn’t even manage to do some damage at her.
“Thought that you’re one of the best?” She taunted, “What? I expect that you’ll be as good as your daddy dearest, but figures you aren’t. You are all just bark but no bite,” It had caught you off guard, how Anya knew things about you.
“Oh I’ll show you alright, I’ll show you how hard I can bite, Nikolaev.” You clapped back.
“You know, I really hated your father, I had wanted to kill him myself,” She ignored you and just kept on talking, scoffing at her.
“As if you can really kill him. You’d be long dead before you can reach to him.”
“I’ve been wanting to take a jab at you for a long time. I wanted to kill you.”
“Isn’t that what you’re doing right now?”
“And when I found out that you’re his daughter, the drive inside me to kill you had intensified,” She grinned, “It’s your dad’s fault that the only family I had left is gone, why? Because your oh so legendary father, killed him!” She lunged at you with force.
The tension and scent of blood had become palpable, it’s like you can almost taste it. Literally and figuratively, since Anya had managed to land a blow on your lips. You noticed that she has been repeating the same moves over and over again, to the point that her moves became sluggish and breath becoming ragged. You took this opening as your chance, quickly grabbing your gun that was nearby and in one swift motion, you were able to pacify Anya. Holding your gun against her throat.
“Don’t make me fire this gun right at your throat, Nikolaev,” You pressed the gun further on her throat, “You want to know why my father killed yours? It’s because he got greedy. He’s a one greedy son of a bitch, and because of that greediness of his had what drove your father buried six feet underground.” You gritted.
“He was the only family that I have ever had. Of course you wouldn’t understand that, you don’t know what it felt like being abandoned.” She growled.
“Oh yeah? Fucking tell me about it, humor me, Nikolaev,” You chuckled and assessed the situation, “Well would you look at that, two parentless teenagers, bonding together on the one thing that they have in common. You are in no position to tell me that.”
“Fuck you.” She gritted.
“No, thanks.” Your hold on her began to tighten, and her squirming from it, “But what I want you to tell me right now is who had sent you to kill me.”
“Like I’m telling you shit!” She had managed to knock you off in your head.
Anya had grabbed her gun, but you lunged at her. Wrestling off each other, not one of you giving in, until you had both reached the hallways of the hotel, and you had managed to have her again on chokehold.
“Listen here, bitch. I’m cutting your air flow right now, and it’s getting harder to breathe, yeah? I can cut your blood flow in a snap too whenever I want. So I’m giving you two choices. You’re gonna tell me who sent you, who gave you a contract to pull one on me—that you’re so willing to break the rule of the continental just to kill me or I cut your blood flow and you die. Take your pick.” She’s still trying to free herself from your chokehold, but finding it impossible. Because you keep on tightening your grip with the strength you have left on her whenever she tries to attempt to free herself.
“You don’t want me doing this, I don’t want to kill you here in the continental, I’d prefer to keep the privilege that this hotel gives me. Come on now Nikolaev, you want to die just like how exactly your father died? Your father died of greed, and if you don’t make a decision now, you’ll die the same way as him.” She groaned and finally tapped the floor thrice, telling you that she’ll finally give in.
“Great choice, that’s more like it!” You lessen you hold at her, but never really letting her go, “If people are more cooperative, they won’t end up in situation like what we are currently in.” You smiled.
“Tarasov. Abram Tarasov,” She grunted, “You can start by going to one of his warehouses that’s located in Queens. Where he stashes his money and doing his business. If you want to taunt him and come out of hiding, you better want to start there, and you need to get going if you want to catch up to him.“
“Alright. Thank you so much for being cooperative.” With one strong hit from your elbow, you had knocked her out cold.
You heard a door open and cocking of a gun. You turned your attention towards the sound, and saw your fellow assassin, Lee, point his gun at you.
“Oh hey Lee! Long time no see.” You smiled softly at him.
“Is there any problem here?”
“No. No problem here, just dealing with an uninvited guest,” You pointed at Anya chuckled and he retracted his gun, “Say, Lee, do you happen to have a plastic wire lock with you? If you have handcuffs, much better.”
“I’ll take a look and see what I can find.”
“Thanks, Lee!” He closed his door.
You’re still holding onto Anya as you wait for Lee. The door opened and you saw Lee, he handed you a thick belt.
“I only have this belt with me right now.” You grabbed the belt.
“Kind of kinky, but that will do. Thanks, Lee!” You smiled. He nodded at you and closed his door.
You began tying Anya’s hands behind her with the belt that Lee gave you. After you’re done tying her up, you drag her back inside your room by her feet and placing her on the couch.
“God, for a woman so small, I never knew how heavy you were.” You slumped down by the foot of the bed to catch your breath.
So much for a peaceful evening.
You grabbed a wet cloth and wiped the bloodstains on your face, and as you look at the mirror, Anya really did a few numbers at you.
Of all parts of my body she can hit, he literally chooses the money making face. What a bitch.
As you continued on wiping the remaining bloodstains on your face and checking up on your wound, you heard a grunt right outside of your bathroom. You had left your bathroom door opened in case Anya finally regain her consciousness, in which she did.
“Had a good sleep, darling?” You smiled and stood in front of her, “You know very well that the management won’t take the stunt you pulled lightly.” You added.
What you didn’t know is that as you speak, Anya is already attempting to free herself from the belt. Anya is one of many things, and that things is that she can escape from anything that was restraining her. A modern day Houdini, as you would call it. Just when you’re about to get up and get ready in heading to Queens, she had escaped. Anya had lunged at you, with you falling in a loud thud. She made her escape at your door, you quickly got up and followed her.
Lee had came out from his room with his gun pointed at Anya, but with a blink of an eye, Anya had fired a shot at Lee. Shooting him right on the chest.
“Shit!” You rushed towards Lee, “Hey, Lee! Come on, stay awake!” You began putting pressure on his chest, but he was bleeding heavily, so you had put a pressure on it using your knee.
Anya had already made her escape, and it’s already too late to go after her at this point. You don’t want to leave the pressure that you’re putting on Lee’s chest, because if you did, he can die. But you have no choice, if you went inside Lee’s room and phone the concierge, you’ll be able to save him. Just when you’re about to remove the pressure from Lee’s chest, helped had already arrived. Turns out that someone saw you by the hallways and called the concierge.
“Ms. Jovanovich, we’ll take it from here.” You nodded at the man.
So much for a peaceful fucking evening.
You went back to your room and phoned the concierge. You’ll still be needing a room once you’re done with your business in the Queens, and that won’t do if the door in your is broken.
“Hi, is it possible if I can request a new room?”
“Yes, Ms. Jovanovich, I’ll get to it right now. You can pick up your new room key anytime.”
“Alright, thanks.” You sighed.
You began changing to your suit and geared up. If you want to make it to Queens and catch Abram, you better get moving.
When you arrived in Queens, it was dark and quiet. The only sounds were the distant hum of the cars passing by and occasional rustle of leaves in the wind. You made your way to Abram’s one of many warehouses, you had use the dark to your advantage and crept along the wall of the building, your movements were quick and quiet. You know damn well that Abram won’t make this easy for you.
As your about to make your way inside the warehouse, you suddenly heard a noise behind you. Before you can react, there was a heavy blow to the back of your head that had sent you reeling, collapsing to the ground completely unconscious. Your body being dragged on the pavement and into the warehouse.
What you didn’t know is that Peter had seen what had happened. He was out in the neighborhood, doing his nightly patrols and swinging through the city, when he saw a bunch of men dragging a woman into the building. He wanted to storm inside the building and save the woman, but he doesn’t want to storm inside without a concrete plan. So he immediately get into forming a plan and swinging to the building right after.
When you had regained your consciousness, you had found yourself seated in a chair and hancuffes inside a dimly lit room. Infront of you is Abram Tarasov, with a couple of his loyal henchmen. He was sporting a cold and calculating expression on his face. You had tried to get up from the chair to attack him, but you were pushed back down.
“You’re quite a daring one, aren’t you?” He spoke, “I thought that you’d be more like your father, but turns out you’re reckless.”
“You’re uglier than how I had pictured you out to be.” You fired back.
“There it is. I heard that you’ve got a smart mouth and actually more talkative than your father.” He let out a loud laugh.
He began walking, circling around your chair, his eyes locked at you, and you were not breaking the eye contact with him. Finally, he stopped in front of you and leaned in close with little proximity. You didn’t even flinch at his intimidation, you had been trained to withstand interrogations and intimidations like this.
“You had made this very easy for me. Willingly walked right into my territory. Did you even thought of a plan before you came here, or you decided to test your luck?” He chuckled, “Either way, скоро ты увидишь папу и мамочку. Так что расслабься.”
“Ты, чертов кусок дерьма, подожди, пока я не доберусь до тебя. Я пущу тебе пулю прямо в голову.” You sneered.
Abram remained stoic and silent, his henchmen waiting for his orders. He stared at you for a long moment, before suddenly nodding his head, a silent command to his loyal henchment. All of a sudden, a plastic bag had been put in your head, one of the henchmen had gripped the seal of the plastic, making it for you a little bit harder to breathe due to the lack of oxygen.
“So much for being John Wick’s daughter. I had expected a lot from you, never knew I’ll have you this easy,” He shrugged, he pat your cheeks softly, “I’ll be going now. You take care of her.” He added.
“Yes, sir!”
Abram turned to leave the warehouse. The henchmen kept on tightening the plastic, and every second it’s getting harder to breathe. You began working on freeing your hands off of the handcuffs, you began slowly in breaking your thumb so that your hand can slip out of the cuffs easily. It did hurt like a bitch, but it did the job on setting yourself free.
Is this how dying felt like? I just felt like my life flashed before my eyes.
You had successfully slip one hand from the cuffs, you immediately stood up and kick the man who was holding the plastic in the groin and whack the other man with the handcuffs right in the head. You removed the plastic off of your head and the handcuffs from your other hand. The man who you had kicked in the groin had gotten back up and attacked you. You’re about to fight back when the man who attacked you had been sent flying back, you weren’t able to notice the one who did it until you turned around, getting a clearer view.
“Peter?!” Your eyes widened, “The hell are you doing here?!” You know that he’s shock as well, even if his face was being hidden under the mask.
“(Y/N)?! You were the one that they had kidnapped?!”
“Well I wouldn’t call it kidnapping, persé. I was ambushed, didn’t know that they were on the same area that I was in.”
The man that Peter attacked when he came bursting through the window had stood up and quickly attacking you with a knife. But you were quicker than him, pulling out your gun at a speed and firing at his head.
“Stay down!” You shouted at the man.
“Did you just kill the man?!” Shocked, again.
“Uh, yeah. Why are you so shocked that I killed the man? You don’t kill your enemies when you encounter one?” You asked him, confused.
“No! I just knock them out and hold them down until the authorities arrive.”
“Well then, there’s a first time for everything, welcome to my world,” You chuckled, “You can’t leave anyone alive, you don’t want them coming after you, and especially since you’re already involved with me.” You added.
“Aren’t they just regular gangs? I often encounter some of them during my patrols.”
“Not these guys. They’re not regular gangs, they are from a mob,” You put your hand in your hips and sighed, “Okay, we don’t have enough time. I don’t have enough time to go through all of the basics, save it for next time.”
The man that you had just whacked with your handcuffs in the head had regained consciousness while both you and Peter are talking and had managed to call for a back up. You heard a bunch footsteps coming towards the area that you and Peter are in, you shot the man in the neck.
“Backups are coming. The man that I just killed has certainly saw you and radioed for backup.” You brought your fist at Peter, he bumped it with you, “You nervous? We got this, Parker. No need to worry.”
It will be your first time fighting of a group of henchmen with someone, you always do this alone, so you were a bit pumped up and excited.
Soon enough, both you and Peter had been surrounded by heavily armed men, they are carrying arrays of weapons like guns and knives. With men blocking your only exit of the warehouse, the both of you have no choice but to fight your way out of the place. The men began firing at both you and Peter, the both of you quickly took cover behind the old crates, the bullets ricocheting off the metals of the warehouse. You both need to come up with a plan fast or else you’ll both be dead meat.
“So…any ideas?” Peter asked you as he dodged a hail of bullets. You tried to peek through discreetly, your mind already racing as you scanned the area.
“We need to get closer to them, they are carrying long-range weapons. If we can get in close, we can both take them all out. Can you make a diversion for me so that I can get closer to them unnoticed?” Peter nodded.
“Alright, I got you.”
Both of you left your hiding spot. Peter used his web-slinging skills by making use of the environment to swing around and divert the attention to him to buy you time to get closer to the men, he was dodging bullets and avoiding the enemy’s line of fire. You stealthily move close to the men, taking out one of your trusty knife and the men out swiftly one by one.
You didn’t go unnoticed for too long, so you ditched your knife and grabbed your gun, firing headshot after head shot. Peter leaped down from the rafters, landing himself in front of the group. The men pointed their weapon at Peter and was about to shoot him, but he was quick and webbed the guns from their hands and taking them down by hand to hand combat, making use of his series of acrobatic moves and webs. You had suddenly ran out of bullets when you tried to fire it and the man that you were about to shoot never failed to notice.
“Fucking hell.” Peter turned to you.
“You okay?” He asked and you nodded.
You ditched your gun and threw it on the ground. With speed, you attacked the man that you were about to shoot, blocking the man’s punches at you. In no time, you had regained the upper hand and had him on chokehold, you grabbed the man’s hand that was holding the gun and firing it at his throat. You make use of the man as your shield and his gun, and firing at the remaining men. As the last man you shot fell on the ground with a loud thud, both you and Peter had let out a breath of relief, panting hard and catching your breath. You both are exhausted, and your suit are all covered with blood, face all lightly bruised up.
You both looked around at the dead bodies, and you weren’t gonna lie, it was a lot of bodies. Maybe fifteen or twenty? You don’t know, you didn’t bother counting, just an estimate.
“Shit. What are we going to do with all these bodies?” Peter asked you in panic as he removed his mask.
“Don’t worry, I got this covered,” You pulled out your phone, “Hello, I would like to have a dinner reservation. Thank you.”
“A…what?”
“It’s a code phrase for a service if you want them to dispose the bodies. Oh and might want to put back your mask.” Peter quickly put back his mask.
You heard the a vehicle pulled out just right outside. The crew had come in to dispose the bodies.
“Good to see you again, Ms. Jovanovich.” Charlie greeted you.
“Likewise, Charlie. I hope you’re having a good night.”
“I am, Ms. Jovanovich.” Charlie nodded at his men and they began sweeping the place clean.
After Charlie’s men sweep off the warehouse clean, you gave him gold coins as a payment for his services.
“Thank you, Charlie.” You smiled at the old man.
“Anytime, Ms. Jovanovich.” He smiled back, and left the warehouse with his men.
“Now that the bodies were taken care of, how about we bounce out of here?” Peter nodded. You walked out of the area and into the streets.
“Not gonna lie, that was a bit intense back there,” Peter said and you nodded in agreement, “But we made a pretty good team, huh.” You laughed and high fived each other.
“Definitely.” You chuckled.
Although, you can’t shake off the fact that Peter is now involved with you. He’s practically kind of an avenger, and you had a strict rule to not get any avengers member involved in your business—your business is your business alone. But you can’t blame Peter though, he doesn’t know that you were the one that the mob ambushed or kidnapped. He was just doing his job of keeping his neighborhood safe.
Even if you had managed to kill the one who called for backup, you’re sure that Tarasov had already been informed of what had happened at his warehouse and knew that someone was with you, helping you. Peter may be wearing a mask and have no clue on who he is, but they will always find a way to figure out his identity.
“You do know that you’re now involved with me,” You spoke, “Those men back there that we had dealt with are no ordinary people. They belong to the person who’s after me right now, and I don’t want you getting hurt or be involved in this messy situation. It’s already messy as it is.”
“Hey, they won’t be able to hurt me. They don’t even know who’s under this mask.” Peter assured you, you know very well that he’s smiling under the mask.
“Even if they don’t know you under the mask, these people that I’m dealing with are no ordinary street gang, like the ones that you’ll encounter on the streets, they are powerful. They can and they will find out who you are.” You sighed.
“If you notice something different, any anomalies, contact me immediately. You don’t know what these people are capable of, they will not just be coming after you, but people you’re close with, people you love. In any way, do not contact any avengers, I don’t want of them being involved.” You strictly said.
“But-“ You cut him off.
“No buts! Just do as I say, okay? It’s already bad as it is, no need to add more fuel to the fire,” Peter nodded, “Call me if something happens, got it? I’m dead serious, Peter.”
“Got it.” He nodded.
“Good,” You smiled softly at him, “Thank you for helping me back there, Peter.”
“No problem. Anytime.”
“Have a goodnight, Spider-man.”
“You too.” He nodded and gave you a friendly salute as his goodbye and swinging away.
What a night. It has been a very tiring night for you and you really want to get some proper sleep. You are really thankful for Peter helping you back there, you can easily handle those men by yourself, but with Peter’s help, you realized how quick the work was done. You also realize that you were so used to doing things on your own, and maybe it wasn’t so bad in having a helping hand.
However, you can’t shake off the fact that Peter is now involved in this mix. You hoped that Tarasov won’t be able to figure out Peter Parker being the spider-man, he can easily do something with those people that Peter are very close with the moment that he finds out that Peter is spider-man, and Tarasov hurting those people that Peter is close with is the last thing that you want to happen.
TRANSLATIONS:
“скоро ты увидишь папу и мамочку. Так что расслабься.” - you will be seeing daddy and mommy dearest soon enough. so relax.
“Ты, чертов кусок дерьма, подожди, пока я не доберусь до тебя. Я пущу тебе пулю прямо в голову.” - you fucking piece of shit, wait until i get my hands on you. i will put a bullet right through your head.
*** russian translations are not accurate, i’m only using google translate.
TAGLIST:
@sirimiripetrichor @nimo-jay @preciousbabypeter @graysonmalik2550 @khaleesihavilliard
#avengers x reader#avengers x teen!reader#john wick x avengers#peter parker x reader#peter parker x stark!reader#peter parker x wick!reader#avengers imagine#avengers x john wick crossover#avengers x wick!reader#peter parker imagine#tom holland#peter parker x female!reader#tony stark x niece!reader#tony stark x teen!reader#peter parker fanfiction#peter parker fic#peter parker oneshot#tom holland peter parker#marvel fanfiction#peter parker x y/n#peter parker x you
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Book Review: Medieval Arms and Armour: A Sourcebook
In writing Medieval Arms and Armour:A Sourcebook, Ralph Moffatt aims to provide a reference guide suitable to all scholars and enthusiasts of arms and armor, regardless of their level of experience. This work begins with a series of prefaces which provide a complete list of the illustrations and primary documents used throughout the work. Here the author also discusses his motivations for putting together this sourcebook together, as well as providing sections which teach the reader how to use a sourcebook and the correct English pronunciations for a number of the more complex technical terms used throughout the work.
The main body of the text is divided into three sections. The first section is an “Introduction to the Source-Types.” The author discusses separately both textual and material sources, discussing his processes for translation and transcription, and providing an overview of the types of documents he uses for the study of armor. The material sources Moffatt further subdivides into extant archaeological material and artistic material, briefly articulating the benefits and shortcomings of each source type.
The second section contains the documents. 151 documents are included, and each document is numbered. Moffatt includes a full library reference for the work being taken from, as well as any known author and date. The relevant quotation is then provided, transcribed in its original language, before finally a translation is presented. The quotes vary in length from just a few words briefly describing an item (for example, document 151, simply “my son Philip a hauberk of Milan [make]) to several paragraphs which occupy several pages.
The sources included in this work are varied, and draw upon documents produced by all manner of people. A large number of legal documents are present, including wills, inventories, house payments, craft statutes, etc. as well as prose sources such as biographical and chronicler accounts, and religious works.
One unfortunate restriction it seems the author placed upon himself, however, is the nationality of the documents. Every document included in Moffatt’s work is either British or French. Though some correspondences include an individual who is from outside France or the British Isles, one of the correspondents is British or French. This restriction is understandable for the sake of space, however, it does render the title somewhat misleading, as those looking for fourteenth century sources from the rest of medieval Europe will not be served by this book.
The third and final section of Medieval Arms and Armour: A Sourcebook is an illustrated glossary. This section includes a large number of artistic and archaeological sources which provide the reader with a visual representation of the elements of arms and armor which are discussed by the book. Accompanied by short definitions of the words in question, this section will be extremely valuable to those who are new to the study of arms and armor.
Finally, Moffatt includes a bibliography and index. The bibliography contains not only the scholarly sources Moffatt consulted for this work, but also a full list of primary sources. While a majority of the scholarly sources Moffatt consulted are English or French, here he did not neglect German scholarship.
Despite its few shortcomings, this book should find a welcome home on the shelf of every arms and armor enthusiast in the world. The wealth of sources of all types is immense, and the footnotes included by the author make finding references a simple task. For that reason, even the professional scholar will find this book of use, but the contextualizing information the author provides in the prefixes, as well as the discussion on sources and the illustrated glossary make this a truly invaluable source for those who are new to the discipline.
#book review#review#arms and armour#medieval arms and armour a sourcebook#art#history#medieval#middle ages#europe#european
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5/31/23
The Biden administration and Speaker McCarthy managed to hash out a budget deal over the weekend, but it still has to pass congress and both sides aren't particularly pleased with it. The deal suspends the debt limit for two years, but as a concession there have to be cuts in all discretionary, nondefense spending. This includes the IRS, the budget of which Biden wanted to increase to go after wealthy taxpayers who aren't paying. It also adds work requirements for food stamps, releases several billion set aside for COVID, ends the freeze on student loans, and allows the construction of the Mountain Valley Pipeline.
I'd like to take this opportunity to talk about the budget in general because all this wrangling doesn't really touch on the biggest problem the US is facing. We can divide the budget between mandatory, discretionary, and interest. Interest is about 8% and is payment for all the borrowing. Discretionary is about 30% and is basically add ons that aren't required by law, like wanting to buy more tanks, have some studies on wildlife, or federal funding for public schools. Mandatory holds the biggest chunk at 63%, and that's where the issue is. The US spends almost half of its budget on medicare/medicaid and social security, and it's going to get worse as people age and have less children. For example, my father received about $2500/month in social security, and in the last three years of his life probably burned through $500K of medicare. That's a lot of taxes for just one person. Considering the birth rate is going down, there will be even less people to fill the pot of money required to pay those benefits, and the US will have to borrow even more to cover the difference. There are a lot of ways to solve this--the most obvious is raise the retirement age to 68--but any move is extremely unpopular and neither Republicans nor Democrats want to address it, so they just haggle over the discretionary stuff instead.
In probably the most important election of the year, Turkish President Erdogan won another five-year term. The first round on May 14th was close, so by Turkish law a second round happened last Sunday. However the results remained very close because his popularity sank due to economic issues and the response to the earthquake earlier this year.
Russia has continuously been bombarding Kiev. Yesterday a drone strike hit Moscow, but with only minimal damage.
The Sudanese army suspended its ceasefire talks and fighting is flaring up again.
The Sackler family was granted shielding from current or future civil lawsuits over the opioid crisis in return for $6B. Perdue Pharma is one of the major players in pushing its pain medication and kicking off a massive opioid crisis in the US from the 2000s until today. Perdue was sued to the point of bankruptcy for its role, but its owners the Sacklers were also targeted, and whether they're personally liable or not has been languishing in the courts for years until now.
The Texas legislature voted to impeach its AG, Ken Paxton. He has been accused of securities fraud, bribery, using his office to help friends (he's being impeached for this offense), and stealing a $1000 pen on camera. He entered national news in 2020 when he brought a case to the Supreme Court to ask it to change the swing states from Biden to Trump, which is an insane and completely nonsensical request legally, (note: the following is speculation) and the gossip at the time was he was looking to ingratiate himself to Trump for a presidential pardon because there was no other reasonable explanation for that action.
1) AP, NYT, Vox 2) Axios 3) AP 4) Reuters 5) Financial Times 6) CNN
Sorry, I took a short break because my brother had a baby. Regular updates will resume.
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10 Tips to Help You Handle Your Small Business Like a Pro.
Your small business is taking off, and you’re getting more and more excited about it every day. This one’s going to be big, maybe even bigger than the last one, and you’ve got big plans in store for its future. But as your business grows, so does your workload, and at some point you’re bound to realize that you can’t handle everything by yourself anymore. Here are 10 tips that will help make sure you don’t lose control over your small business by allowing its growth to overwhelm you.
1) Get organized
It can be difficult to get started with your small business, but there are a few important things you need to do before you can get into the nitty gritty of running it. Make sure you have:
A clear idea of what your business is about. A set of goals for your business that includes some short-term and long-term goals. Some type of plan for how you're going to achieve those goals and keep things on track. A marketing strategy.
A competitive analysis of other similar businesses. Some budgeting in place so you know what's coming up ahead. That way, when something does happen (like if your internet goes out), you'll already know where to start looking for help or at least won't panic as much because you'll know this situation has happened before and it's not new territory.
2) Set up a separate business bank account
It's important to set up your own business bank account for a number of reasons. First, it gives you a separate set of finances from personal finances. This way, if something goes wrong and you need to close your business, you don't have to worry about the state seizing your personal funds. Second, as your company grows, you can use this account to accept payments without paying credit card transaction fees. If this is the case, make sure that you keep track of any expenses so that they can be reimbursed on tax time. Thirdly, having this kind of separation helps protect your personal assets in case someone sues or files bankruptcy against your company.
3) Keep good records
Keep good records of your finances. The best way to do this is with Quicken or Excel. Setting up good record-keeping systems early on will help you keep track of all your transactions, which will make it easier for you to file taxes and prepare for the future.
It's also important that you don't overlook the legal aspects of running your business. Be sure to read contracts carefully before signing them, and don't be afraid to get legal advice if you're not sure what something means or whether it's right for your company.
4) Create a budget
The first thing you'll want to do is create a budget. This will help you understand the range of income and expenses that your business has, including what percentage each part of your business takes.
To make this easier, divide your budget into three categories: operating expenses, fixed costs, and variable costs.
Operating expenses are things like salaries, rent or mortgage payments, utilities, supplies, internet and phone bills. Fixed costs cover things like equipment lease agreements and property taxes. Variable costs are services such as gas for the car or food for events.
5) Stick to your budget
Being successful at business means sticking to your budget and not overspending. If you are starting out with little capital, be sure to only spend what you have. A good rule of thumb is that if you want something that costs more than $150, wait until you've made $150. Also, make sure your purchases follow the 80/20 rule - 80% of your revenue comes from 20% of your customers or products. If a product doesn't sell, get rid of it! It's not worth it if it's costing you money and time trying to sell an item that no one wants.
6) Keep track of your expenses
Keeping track of your expenses will help you stay on budget and make sure that you don't overspend. Here are some tips for keeping tabs on your small business:
-Keep receipts, invoices and other business-related documents so you can reference them later if needed.
-Track expenses by creating expense reports each month or week. Make sure you create separate reports for business and personal expenses.
-Create a spreadsheet with columns for different types of expenditures (e.g., office supplies, advertising). Then, put the amount spent in the corresponding column and the date next to it.
-Use cash envelopes to keep track of what's been spent that day or week. Separate your business income from your personal income into two cash envelopes. Keep one sealed until the end of the year when you'll be able to determine how much has been earned. Every time an expense is incurred, take money from one envelope or the other depending on which envelope it falls under.
-Use these numbers as a guideline and adjust accordingly according to how often you want an update on your finances. The frequency at which you do this depends largely on how often your company generates revenue (monthly, weekly, etc.).
7) Invest in good accounting software
It's hard enough handling your own personal finances, let alone trying to keep track of all the numbers that go into managing a small business. But if you're going to do it right, you need an accounting system that will help you collect and organize all of your important financial data. If your budget is tight, there are plenty of free accounting software programs that can get the job done for you. Spend time on setting up your system: Time spent setting up your bookkeeping software from the beginning will save you hours later on when you want to find something in particular. Be sure to choose account names that make sense so that they'll be easy to find later on. Get organized with filing systems: To prevent those documents piling up everywhere, set up an efficient filing system in advance that works for your company. Use hanging files or stacks of file folders labeled with relevant keywords like Payments, Invoices, and Receipts. Have office supplies on hand: One way to feel more professional and well-equipped is by stocking up on office supplies such as paper clips, pens, folders and printer paper before they run out!
8) Hire an accountant
Hiring an accountant is often the best option for small business owners, but it's important to find the right one. Talk with your accountant about what type of service they provide and how that will work for you. Find out if they offer bookkeeping or payroll services. Also, make sure they are up-to-date on any changes in tax laws. If you are looking for someone who can take care of your company's taxes as well as other accounting needs, look for a full-service bookkeeper or an outsourced accounting service that provides all types of accounting services.
9) Stay up to date on tax laws
In the words of Benjamin Franklin, An ounce of prevention is worth a pound of cure. This proverb is as true in today's world as it was when Franklin coined it. One way to prevent tax problems is to be aware of changes in the tax law and make changes if necessary. For example, if you have taken deductions in the past for certain expenses that will no longer be deductible due to new rules and regulations, you may need to adjust your records or plan your finances accordingly.
10) Get liability insurance
Do you have insurance for your small business? If not, stop reading this and go get it now! Liability insurance is essential for any small business owner. Whether you're running an independent retail store or renting out space in your home, there's always the potential that something could go wrong and someone will sue you for damages. Have your lawyer set up a corporation: Have you heard of S corporations and LLCs? An LLC stands for limited liability company, so if someone sues them they can't take all of their assets as they would with personal holdings like homes, cars, and other personal property. You'll want to form an LLC if you own more than one piece of property or have employees. Save money with small advertising campaigns: Advertising on social media platforms like Facebook can be cheaper than traditional advertising because they don't require pricey marketing campaigns with billboards in high traffic areas like busy intersections. As long as people know about your page on Facebook and visit often enough, then these ads are actually worth the cost!
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How long does Cash App pending direct deposit take?
If you are beginning to use Cash App for direct deposits, there are likely to be questions regarding the process, especially concerning pending deposits. If your direct deposit is listed as "pending" on Cash App, it takes anywhere between a few hours and several days to clear. The time frame will depend on the bank and the type of transaction; however, you could expedite the process by contacting either of them or Cash App support for help. Cash App direct deposit can take one to seven business days to arrive at your Cash App account, based upon when your employer releases the file to deposit funds directly into the Cash App. Usually, funds don't clear until they're in your savings or checking account.
With Cash App support, check your balance and direct deposits to find any processing delays or directly contacting them for more details and resolution of any delays that could be taking place. If the deposits continue to be delayed, changing providers to get more speedy access to funds may be better. The Cash App direct deposit pending status could be due to various reasons. Although there might be easy solutions that you could test, patience is essential to ensure the transaction runs without a hitch. It could take anywhere from two and three days to be cleared up, so you must be patient while waiting.
Why is Cash App direct deposit pending?
Here are the most common reasons why direct deposit pending on Cash App:
One of the primary reasons for pending direct deposit Cash App is that your mobile or connection to the internet is not working in the way you expect, for example, weak connectivity to Wi-Fi or mobile data.
Another reason the Cash App direct deposit pending is that you have reached the limit of daily sending. To prevent any problems with this problem, check your limits. If you have exceeded them, ask your employer to divide the money so it gets to the destination quicker.
After Cash App receives the direct payment through your workplace or bank that issued the direct deposit, it could take a few days for the money to get processed by the bank before being credited into your bank account. The direct deposit could be listed as pending on your Cash Account during this processing time.
Cash App security personnel may look over direct deposits that have not yet been processed, possibly due to unreliable transactions or a lack of compatibility with the records. The delays are frustrating, particularly regarding funds required to pay bills or expenses.
Direct deposit Cash App may be pending because they are not checked through your company or any other organization that is owed the money, which can take two or more days to process. It is recommended to call them directly regarding any delays you're currently experiencing and ask when you can regard them.
How long will my Cash App direct deposit be pending?
Direct deposit can be described as a process that allows employers to transfer funds directly into the Cash App so that you can get them immediately for things like pay checks or wages. While direct deposit is generally a secure and reliable technique, occasionally, issues hinder immediate access to your funds, requiring you to wait an additional time or more to get them. Cash App deposits generally will be cleared within a few days of initially scheduled, making them more efficient than banks and ensuring security when you receive your money.
The time of pending Cash App direct deposit may depend on several factors, including the processing time of your bank and the time of the deposit's initial initiation. Most direct deposits made on Cash App are processed within three to five business days, but it is important to remember that the individual's experiences could differ. Your bank or employer might not accept direct deposits because they did not provide the correct information about your account or because of other problems related to their Cash App system or system. In these cases, direct deposits may also be delayed due to this.
FAQ
Why is Cash App direct deposit pending?
Cash App direct deposits can be in the process of being delayed due to verification processes, bank processing time, or delays that are associated with holiday weekends or holidays. However, these deposits usually disappear within a couple of days.
Why is my direct deposit pending on the Cash App? When your Cash App deposit pending, it may be under verification or being processed at the bank. Also, holidays and weekend closings could
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After making $1.6 billion in 2023, will OpenAI continue to be popular?
As the current leader in the large model field, OpenAI’s revenue exceeded US$1.6 billion last year. You know, in 2022, its annual revenue HE Tuber will be only $28 million, not even as much as one week this year. There are factors for the popularity of the AI track, and there are also reasons for the success of its own business model; now as it launches GPTs, we analyze its profit model, which may provide a feasible solution for the commercialization and future development of similar products at home and abroad. Insight dimensions for reference.
Recently, foreign media reported that due to the rapid growth of the artificial intelligence "star product" ChatGPT, OpenAI's annual revenue has exceeded 1.6 billion U.S. dollars, which is only 1.3 billion U.S. dollars in annual revenue from CEO Altman in October. Two months have passed .
If you look at the numerical comparison, OpenAI's annual revenue growth is even more amazing. Its annual revenue in 2022 is only $28 million, not even what it brought in in one week this year.
More importantly, as the service scale expands, OpenAI announced a major price reduction at its first developer conference, which means that further price reductions will bring more users and greater development space to OpenAI. At the same time, the developer conference also revealed more news about the GPT Store, which many people believe will become the "AppStore moment" of the big model .
As the current leader in the large model track, every move of OpenAI can become a leader and reference for the entire AI track. Therefore, by analyzing the profit model of OpenAI when it launches the plug-in application store GPT Store, we may be able to provide a reference dimension of insight for the commercialization and future development of similar products at home and abroad.
1. OpenAI makes money in three main areas: user subscriptions, developer payments and Microsoft’s share
Since ChatGPT became popular in early 2023, as OpenAI has continued to iterate its products and successively launched GPT-4 and GPT-4 Turbo, its company's business model has also developed rapidly. After exploration and practice in 2023, OpenAI’s current business model can be divided into three parts:
The first part is for the majority of users and is also the membership subscription service that individual consumers are most likely to come into contact with. Starting from the beginning of 2023, OpenAI has launched a membership subscription service called ChatGPT Plus. Users can pay $20 per month to get faster response services, and at the same time have priority in using more powerful models such as GPT-4.
In terms of paying user scale, OpenAI has not yet disclosed clear figures. However, according to data from American venture capital firm A16Z, as of July last year alone, the number of paying users of ChatGPT Plus reached about 2 million. In addition, OpenAI temporarily closed the registration of new paying users in November last year due to the surge in users, so it can be speculated that the number of paying users may be in the millions.
In addition, the GPT Store, which will be launched in the near future, is also expected to have more impact on membership subscription services. At the first developer conference in November last year, CEO Altman said that the GPT Store will include the most popular GPTs and will also carry out a creator sharing plan, which means that the emergence of the GPT Store will further stimulate the number of users and the scale of paid subscriptions. Increase.
The second part is also the core revenue of OpenAI, which is the API interface call charging model for developers. In this mode, developers can call GPT series large models, DallE text generation image models, speech recognition models and other functions, and need to pay OpenAI according to traffic billing.
Also at the first developer conference, OpenAI also brought a major upgrade to the API interface call charging model, not only bringing an updated GPT-4 Turbo model, but also a big price reduction. At this meeting, CEO Altman said that the input cost of GPT-4 Turbo is one-third that of GPT-4, while the output cost is reduced to one-half , which greatly reduces the user's cost of use.
At the same time, GPT-4 Turbo has several major upgrades compared to GPT-4, including longer context length, stronger control, model knowledge upgrade, multi-modality, etc. This behavior of “increasing volume and reducing prices” will attract more developers and companies to apply GPT technology to their products and services, and then become customers of OpenAI, gradually establishing a new business ecosystem around OpenAI.
The third part of OpenAI's commercial revenue comes from cooperation with Microsoft. After Microsoft invested billions of dollars to become the largest investor, OpenAI has worked closely with various products owned by Microsoft. As one of the largest clouds in the world, Azure and OpenAI jointly launched Azure OpenAI for enterprise customers at the beginning of last year. For every payment made by a customer through the Azure cloud model, OpenAI will receive a corresponding share.
It is understood that companies such as IKEA, Volvo and Coca-Cola are all obtaining OpenAI interface services through Microsoft's Azure cloud. This means that, with Microsoft’s partnership with many large companies, OpenAI can easily obtain the cooperation business and revenue sharing of these large companies.
It is worth mentioning that OpenAI’s success in the above-mentioned commercialization has far exceeded management expectations, and the company’s revenue expectations have experienced several increases in 2023. Earlier last year, CEO Altman believed that OpenAI’s revenue in 2023 would be only about $200 million. In September, this number increased to 1 billion, and then to 1.3 billion, and today’s annual revenue is $1.6 billion. Compared with the initial expectation of 200 million, it has tripled .
Judging from this growth rate, coupled with OpenAI's "big discount" on interface services, the number of GPT users and coverage are likely to reach a higher level in 2024. It is precisely for these reasons that OpenAI, which currently has advantages in product technology and commercialization, has set a new goal of annual revenue reaching US$5 billion in 2024.
2. Hardware, operation, and labor costs are “three high”, and employee salaries exceed 200 million
However, while annualized revenue is growing like a rocket, OpenAI, as a technology company at the forefront of artificial intelligence, has also invested a lot of money in scientific research and expenditures, and can be called a "gold-eating beast."
From the perspective of OpenAI’s business operation model, in order to support the competitiveness of its large-model products, OpenAI’s expenses are mainly divided into three parts:
One is the hardware investment and training costs during the development of large models. As a cutting-edge achievement in computer science, large models are naturally inseparable from computing hardware such as computers and chips. Microsoft’s US$1 billion investment in OpenAI and the subsequent additional US$10 billion were spent on AI supercomputers and chips. Big head. According to Microsoft executives, in order to provide sufficient computing power, the supercomputer built is equipped with tens of thousands of NVIDIA A100 GPUs, and a total of hundreds of thousands of NVIDIA GPUs have been deployed in more than 60 data centers.
In addition to hardware costs, the cost of training large models during development is also very high. According to the report "How much computing power does Chatgpt require" published by Guosheng Securities in February last year, it is estimated that the cost of training GPT-3 once is about US$1.4 million. For larger LLM models, the training cost ranges from US$2 million to US$12 million. between. It should be pointed out that what is mentioned here is the single training cost of GPT-3. The training costs of later models such as GPT-3.5 and GPT-4 with larger amounts of data will only be more, not less.
The second is daily operation and maintenance costs. The foreign media Analytics India Magazine estimated the daily operating costs of OpenAI last year. It speculated that OpenAI would need to spend approximately US$700,000 per day to maintain the normal operation of ChatGPT . Moreover, after the GPT fire, the surge in visits will directly lead to a doubling of daily operating costs.
The third is the high labor cost. The IT industry is an intellectually intensive industry, and the average salary of engineers is relatively high, especially in San Francisco, where OpenAI is located. Previous reports stated that since OpenAI’s employees include many big names in the field of machine learning, the entire company’s salary costs are more than US$200 million when the company has only more than 300 employees.
As giants such as Google and Meta are also trying to catch up in the large model track, in order to prevent the loss of employees, OpenAI is bound to increase their salaries again to retain employees.
In addition, it should be noted that the various income and expenditures of OpenAI mentioned above are basically in the first stage of AIGC commercialization, that is, the early adopter stage. In the book "The Future of AIGC Has Come to the Era of General Artificial Intelligence", the author divides the commercialization of AIGC into three stages, namely: Perception Impact-Early Adoption Stage, Cognitive Comprehension-Assistance Stage, and New Ecological Chain- original stage .
Judging from the current mainstream chatbots and multimedia products such as text-generated pictures and videos, AIGC is still in the first stage of meeting users' early adopter needs through pictures and videos. The reason why most people are pursuing AI is simply because it is a new thing that has never appeared before, and they need to satisfy their curiosity from the experience of using it .
How to make AIGC go beyond simple assistance and become an important carrier of virtual and real integration, and even further complete tasks such as independent creation and original content, has become the future goal of companies such as OpenAI. After all, when users become more and more familiar with AIGC and lose the motivation to try new things, users and enterprises will naturally put forward higher requirements for the productivity of artificial intelligence. If OpenAI cannot come up with satisfactory product upgrades by then, users' Willingness to pay will be greatly reduced.
3. What does OpenAI sell with its $1.6 billion annual revenue?
When we analyze the leap in OpenAI's annual revenue target from US$200 million to US$1.6 billion, it is not so much that OpenAI is selling products, but rather that they are selling people's early experience and future imagination of artificial intelligence technology.
However, after early adopters have passed, only when these new technologies demonstrate their value in more practices can they move from technological gimmicks to a new stage of commercialization that is combined with practice. Otherwise, it will just be like Boston Dynamics in the field of robotics. Although its product performance is at the forefront of the world, its company has almost been losing money and being sold because it does not have many application scenarios in reality.
After a whole year of excitement in 2023, there are actually two voices in the generative AI industry: it will "cool" in the future and it will continue to boom.
Needless to say, those who believe that the craze will continue to be popular, while those who believe that it will cool down mainly focus on the introduction of AI restriction bills in various countries, the controversy caused by the infringement of AI model training content, and the inability of many companies to cover the benefits brought by AI tools. Due to its costs and risks, these customers will withdraw from the AI field. The entire industry will also undergo a round of consolidation, phasing out some players. Of course, the cooling mentioned here is only compared to the hotness in 2023. The "cooling" of the AI industry is more like a callback to the normal development range.
Although the current Silicon Valley giants are very optimistic about the development of AI, there have been three "AI winters" in the history of artificial intelligence development. No matter how grand the technological vision is, it may come to nothing due to various practical constraints. Applying this principle to OpenAI means that if ChatGPT wants to continue to be popular in the future, it must have the ability to clearly prove its value in addition to its novelty.
Author: Lumens, WeChat public account: Morketing (ID: Morketing)
This article was originally published by @Morketing on Everyone is a Product Manager. Reprinting without the permission of the author is prohibited.
The title picture comes from Unsplash and is based on the CC0 license.
The opinions in this article represent only the author's own. The Renren Product Manager platform only provides information storage space services.
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trying to request a ride for half an hour but still no driver has picked up the order, the driver looking down and finding that the order assigned
the passenger, discovering that the system is abnormal and trying to cancel the order but still can't...
Of course, some drivers also encountered an "unexpected surprise": they woke up after a night's rest and found that the HE Tuber income in their account exceeded 60 billion... You know, Cheng Wei's total personal wealth whenwent public was only 29 billion.
If Didi’s outage remains popular because online ride-hailing is very close to people’s lives and is used frequently, then the impact of the large-scale Alibaba Cloud outage on November 12 is even worse. Already: Alibaba’s Alipay, Taobao, DingTalk, and Alibaba Cloud Disk are indispensable applications for mobile payment, online shopping, online office, and cloud storage scenarios respectively.
When these applications are all paralyzed, people’s work, life, and Shopping may have to be paused.
What is even more worrying is that on November 27, Alibaba Cloud's cloud database console in some regions experienced access anomalies again, only half a month after the large-scale outage on the 12th. Two outages occurred in a short period of time, which is a serious problem for the entire cloud computing industry.
Even if the timeline is further relaxed, outages among major Internet companies have occurred quite frequently in the first half of this year.
On March 29, QQ and WeChat failed one after another, and many functions such as payment, voice calls, Moments, and QQ Space were used abnormally. Tencent characterized this as a first-level accident, including Lu Shan, President of the Technology Engineering Business Group, and WeChat Business Group Several senior executives, including Vice President Zhou Hao, were criticized internally. Coincidentally, Vipshop also suffered a P0 level outage on the same day, and the head of the basic platform department was dismissed as a result.
Secondly, the simultaneous occurrence of frequent outages, long-term cost reduction, efficiency improvement, and large-scale layoffs inevitably makes people suspect that there is some subtle connection between the two.
To judge whether this statement is reasonable, we must first understand the cause of the cloud server outage.
Generally speaking, the reasons for server downtime can be divided into two categories. One is human failure, such as system failure, design loopholes, and short-term overload operation. The other is non-human factors such as extreme weather and temporary power outages in the area. The outages of Vipshop, Tencent and Alibaba Cloud are typical human faults. The direct cause of the three incidents is that the abnormality of the cooling system in the computer room caused the equipment temperature to heat up rapidly. This is also the most common cause of failure in the industry.
Generally speaking, no or non-human factors can be completely avoided, disaster recovery and disaster preparedness plans are necessary. Alibaba Cloud also admitted in its subsequent response that the failure to handle the accident site in a timely manner caused the sprinkler system to be triggered, and the failure to release fault information in a timely manner were important reasons for amplifying the impact of the outage.
It was this response that led some people in the industry to uncover problems: downsizing staff
laying off high-paid senior programmers, and relying too much on young people. no emergency and preventive measures such as dual-machine hot backup plans, backup computer rooms, and multi-node clusters. , are one of the reasons for exacerbating the impact of downtime - and are also the sequelae of cost reduction and efficiency improvement.
In response to the above speculation, major manufacturers have not responded positively, but there may be no reason for the groundless speculation. And coincidentally, Didi, which just experienced a "frightening night", also experienced a round of layoffs last year involving almost all departments such as product technology and ride-hailing teams. It is reported that the number of employees involved is about 3,000, and the proportion is as high as 25%. .
One thing is certain: senior technicians not only have guaranteed professional skills, they can identify system vulnerabilities more accurately and quickly, and have more experience in handling on-site faults. Frequent outages are believed to have made major manufacturers realize the importance of improving infrastructure, increasing disaster recovery and
preparedness plans, and cultivating high-end technical talents.However, the impact of two consecutive years of cost reduction and efficiency improvement and several downtimes on its reputation, as well as the negative impact on customers and upstream and downstream partners in the industry chain, may be difficult to completely eliminate. It is still unknown whether major manufacturers will change their cost reduction and efficiency improvement policies as a result.
3. In 2024, can cost reduction and efficiency improvement come to an end?
The impact of cost reduction and efficiency improvement by large manufacturers on customers and partners is multifaceted.
First of all, of course, downtime events seriously affect the daily operations of corporate customers, especially those small and medium-sized enterprises that do not have the financial resources to make their own disaster preparedness and emergency plans.
Official data shows that Alibaba Cloud has more than
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Vavada Slot Machines Review
If you are looking for a casino where you can play slots and other games online, then you should consider Vavada. This site offers a variety of gaming options and is easy to navigate. It also supports a number of popular payment methods, including credit cards and e-wallets. You can even use Bitcoin to fund your account! In addition, you can participate in slot tournaments and win cash prizes. https://polestarsoft.com/
One of the main reasons that players choose to play at Vavada is its great bonus offers. The site offers a free signup bonus and first deposit bonus, as well as regular slot tournaments with varying prizes. These bonuses are ideal for those who want to try out the games before committing to a deposit.
Another reason that players choose Vavada is its excellent customer support. The company’s team is available around the clock to answer any questions that players may have. They can be reached by email or live chat, and are able to answer most queries within minutes.
The website also features a wide range of games, and the games are divided into three categories: table games, video poker, and slots. This way, players can find the perfect game for them and have a good time playing it. The selection includes titles from major providers, such as NetEnt, Microgaming, and Betsoft. In addition, there are also some games from lesser-known developers.
Unlike some other casinos, Vavada does not have any wagering requirements for its welcome bonuses. This means that you can play with the money you’ve received from these bonuses as much as you want without worrying about meeting any requirements. This is a huge benefit for many players, as it makes them feel more comfortable and confident when playing at the casino.
Vavada offers a good selection of banking options, with most deposits and withdrawals being processed instantly. You can also use a cryptocurrency to make your transactions, which is an especially convenient option for those who prefer not to disclose their personal details. The casino also has a good reputation for security and is licensed by the government of Curacao.
While most online casinos require verification of player identity before allowing them to withdraw their winnings, Vavada Casino allows players to make withdrawals without having to provide proof of identification. However, players must still submit copies of their photo ID and a utility bill to avoid being charged a fee for withdrawals.
When it comes to the minimum deposit amount, Vavada has a low minimum deposit limit, making it accessible to players from all over the world. The platform supports a variety of deposit methods, including credit card payments via Visa or MasterCard, Skrill, Neteller, Rapid Transfer, Jeton, Piastrix, and mobile payment. In addition, the site accepts multiple currencies and is available in several languages.
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Choosing a Merchant Account Solution
A merchant account solution is a service that allows businesses to securely process online payments. Each solution has its own advantages and disadvantages, and choosing the right one depends on your business' needs and industry. This article explores the different types of merchant accounts and the features you should look for. Whether you're a retailer or an online merchant, a merchant account is a valuable service that can increase your bottom line. This is why you need to visit this site at getbankcard.com for more tips.
Not all customers use credit cards or debit cards. Accepting ACH payments allows your customers who don't have plastic to make purchases. This service typically costs extra, but some merchant accounts offer it. Check with your Merchant Account Solution to see if they offer it. You may find that you can get a free terminal and a no-contract agreement if you need one.
The type of merchant account you choose is crucial for your business' success. High-risk businesses tend to have a higher chargeback rate than low-risk merchants, so you'll have to pay more for a high-risk account. However, these businesses can still succeed if they have the right merchant account solution in place.
Merchants who have a high-risk business should consider using a service that specializes in accepting card payments. It's important to check the merchant's chargeback ratio and volume before choosing a provider. However, some high-risk merchant account providers and acquiring companies will charge higher fees, and you may have to pay a setup fee before they'll allow you to begin accepting credit cards.
MAS offers several features for small businesses, including integrated payment processing with Quick Books. The company also offers free terminal device programming and 24/7 live customer support. The service works with all types of credit cards and debit cards. As a result, it's a good choice for those who need to integrate payment processing with their accounting software. Here is a great post to read about these services.
If you want to start accepting credit cards online, you'll need a merchant account solution. A merchant account will allow you to accept payments from customers worldwide, even if they're not present. This is essential for ecommerce businesses, since fraud is high. To minimize the risk of fraudulent transactions, most merchant account providers will implement a hold or reserve to reduce your liability. Some of them will also shut down your account if they detect suspicious activity.
In addition to fees, you'll also need to consider the cost of hardware and customer support. Make sure to get all of your paperwork in order before signing up with a processor. You should also ask about the contract length, as many of these solutions require three years and have penalties for early cancellation. Lastly, prospective processors should explain their application process and documentation requirements. Beware of companies that promise you the moon but don't follow through on their promises.
Multimerchant accounts are excellent options for those who want to increase their revenue. By dividing processing costs across several accounts, they can help you avoid monthly processing caps. This is especially important for high-risk merchants who face the risk of losing their accounts for no reason. Keep reading on https://en.wikipedia.org/wiki/Merchant_account_provider and most importantly, convert your knowledge into action, otherwise it remains a source of untapped energy as well as wasted potential.
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Best Private University in West Bengal
To understand what Amity University stands for, what makes it the best private university in West Bengal and how we wish to create Amitians into successful individuals, lets look into what the Amity University logo means.
The logo is represented in a shield divided into dark blue and golden yellow sections by an upward sweeping line that depicts growth and progress in life, achievable through education.
While the shield shape represents the resolute shelter of truth, two contrasting yet adjacent colours connote a blend of modernity with tradition.
The dark blue with contemporary cues of technology, performance and advancement strikes a synergy with the golden yellow radiance of tradition, culture and values.
The flame represents the purity and passion for knowledge, while the upper and lower parts of the flame replicate the arch of 'A' and the bend of 'U' respectively, the two leading alphabets of Amity University.
Amity University- Best of all BSc agriculture colleges in Kolkata
Following are the details of BSc agriculture-
Eligibility
PCB / PCM / Agriculture (55%)
Aggregate percentage will be calculated on the basis of marks scored in English and three academic subjects (excluding second language, Physical Education, Fine Arts, Performing Arts or any other Vocational /Non-Written subjects).
Student should have passed all the subjects of class XII from a recognized board.
Selection Process
Visit https://www.amity.edu/kolkata/ and click on ‘Apply 2022’ on the right side of the website.
After being redirected to a webpage for application form, all the information regarding it will be provided.
Application Form is available at a cost of Rs.1,100/-. The Form cost will not be refunded for any reason whatsoever.
Enter Basic details.
You’ll be given 3 options.
Apply fresh-
Continue partially filled form
Apply for another program with previous form details of 2022
Select according to what you want to apply for.
Choose the degree program you wish to purse and desired campus.
Complete the payment for the online form.
Pay online through Debit card or Credit card.
Enter personal and educational details. Add other information asked.
Enter information regarding extra-curricular activities.
Upload the documents asked for and finish the online registration form.
Apply to the best private university in West Bengal for session 2022-23. Admissions open now! Visit https://www.amity.edu/kolkata today.
source: “https://amityuniversitykolkata.blogspot.com/2022/10/best-private-university-in-west-bengal.html”
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holiday assistance 2022
If you’re like most businesses, you’re always looking for ways to make your holidays more comfortable and stress-free. You might be thinking about vacation packages, catered meals, or even shuttle services. But what if you don’t have any idea where to start? That’s where holiday assistance programs come in. They can provide a lot of relief for business owners who need help making the most of their holidays. Here are some tips on how to find the right program for you.
What are the Different Types of Holiday Assistance Programs.
There are a number of different types of assistance programs available to help people during the holidays. These programs can be divided into two categories: direct and indirect. Direct assistance programs directly assist individuals with their holiday expenses, such as purchasing gifts, travelling, orChristmas presents. Indirect assistance programs provide support in other areas, such as financial planning or staying organized during the holiday season.
What are the Different Types of Benefits
The different types of benefits offered by assistance programs vary depending on what type of assistance program is being offered. For example, direct assistance may have specific benefits for citizens only, while indirect assistance may offer more general benefits that apply to a variety of individuals. Additionally, some Assistance Programs may have various levels of support and are designed to meet the needs of a specific group of people.
Find the Right Holiday Assistance Programs for You.
There are many types of holiday assistance programs available to help individuals during their time of need.listed below are three examples of the most common types of assistance programs:
-Emergency assistance: When you’re unable to go on vacation or have other personal reasons for not being able to travel, your government may provide you with emergency aid. This type of assistance can include food, drinks, and transport.
-Housing assistance: This type of help can include money for rent, mortgage payments, and other living expenses.
-Food stamps: Food stamps are a government program that allows people to purchase food without having to worry about leaving money behind. The benefits usually last for four months and can be used in any state in the United States.
Find the Right Assistance Programs for You
Before finding a specific holiday assistance program, it’s important to decide what type of person you are—for example, an individual who just wants help with groceries or an individual who needs housing and food as well. Then, find programs that fit your needs and budget.programs typically offer several different options including check printing or electronic payment systems; eligibility requirements; application process; and delivery times/dates. Additionally, some programs offer free services while others charge a fee. It’s important to research each program carefully before making a decision so that you don’t end up spending more than you planned on holidays alone!
Research Holiday Assistance Programs
When researching holiday assistance programs, it is important to consider your needs as well as the resources available to you within your community or region. For example, if you live in a rural area and do not have access to public transportation, then finding a housing assistance program might be the best option for you. Similarly, if you don’t have access to supermarkets or other grocery stores near your destination then seeking food stamp help might be the best solution for you.
Find the Right Holiday Assistance Programs for You.
In order to find the right holiday assistance programs for you, you first need to determine what type of assistance you’d like. There are many different types of holiday assistance programs that are appropriate for different individuals and families. To find the right program for you, consult with a local family support group or social welfare office to get more information about how the programs might be able to help you.
Decide What type of Holiday Assistance Programs Are Appropriate for You
Once you have a general idea of what type of assistance is appropriate for you, it’s time to research which programs are available in your area. Many organizations offer various holiday assistance services, so it’s important to get in touch with them and ask questions about what they offer. Additionally, some organizations work with a wide range of industries and can provide specific holiday assistance services for businesses and individual clients.
Research Holiday Assistance Programs
Once you have a good understanding of the types of holiday assistance programs that are available in your area, it’s time to start researching them! research may be done through online tools or by talking to people who have worked within these programs before. By doing this research, you’ll be able to choose the best program for your needs and budget – without having any stress involved!
Conclusion
Holiday assistance programs are a great way to provide relief to those affected by the holidays. There are many different types of assistance programs available, so it's important to find the right one for you. By researching different Assistance Programs, you can find the perfect one for your needs.
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Software Development for Financial Accounting
One of the main goals for many organizations across all industries in this period of rising technology and software growth is the development of financial software. Financial online cloud accounting software India is no exception since it aids in the management of company accounts and the tracking of accounting processes to improve corporate efficiency (including the account payables, account receivables, business payroll, general ledger, etc). The compelling viewpoints and multiple workflow enhancements that online accounting software India development may bring to various organizations are the driving reasons behind the industry's growing demand. In this article, we'll look at what financial accounting software is, the many forms of it, and the primary advantages that businesses may gain from utilizing it.
These Are the Primary Goals of Financial Accounting Software
"Financial accounting software" refers to computer applications that handle various bookkeeping and accounting functions. The key goals of this effort are process simplification, decreased operational complexity, and technological optimization for core financial activities.
The key performance indicators (KPIs) may be greatly enhanced, and firms may see a rise in work control, efficiency, and quality.
According to PwC, the cash intelligence, and finance process intelligence components of financial online cloud accounting software India can assist in the acceleration of various decision-making processes. This form of financial software, for example, can:
• Combine many types of company data into a single location.
• Make a slew of successful business decisions.
• Display a variety of KPIs and indicators using customized dashboards and multimedia solutions.
• Use agile "what-if" analysis to examine projected scenarios for future cash flow.
• Provide complete performance insights and dynamic data to enterprises.
As a result, by using cloud accounting software India development, organizations may considerably enhance their performance, uncover viable solutions for accounting automation, and gain a thorough understanding of the dynamics of forthcoming development and improvement.
One Of the most Common Accounting Software Types
Depending on the firm's specific financial processes, there are numerous types of cloud-based accounting software India. Now, financial accounting software may be divided into three categories.
Invoicing and billing software
Financial online accounting software usually handles the fundamental billing activities of a corporation. A firm's typical accounting responsibilities, such as writing checks and reminding clients to make payments, are also addressed.
Payroll management software
These cloud-based accounting software packages may, among other things, prepare tax forms, store simple payroll records, compute wages, take deductions, and direct deposit employee paychecks into bank accounts.
ERP stands for Enterprise Resource Planning.
This form of GST accounting software solution, also known as an ERP system, manages the whole operational system, including product planning, material purchasing costs, inventory management, distribution and accounting, marketing, HR, and finance. In essence, this is a big system that supervises all financial aspects of the organization's operation.
In conclusion
GST accounting software development has become an important but efficient aspect of corporate expansion in all sectors. Its use may have considerable benefits for both small and large business units, such as process automation, perceptive performance insights, and creative development scenarios that may assist in financial management optimization. Producing feature-rich accounting software solutions necessitates the extensive understanding of financial software development as well as a thorough analysis of your company's particular needs.
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Best short-term investment options in India – Everything you need to know
When it comes to investment options in India, you can be spoilt for choice. Fixed-income instruments, market-linked avenues, long-term plans, short-term plans, alternate investment avenues– you name it, and you can find it. It thus becomes important to know all your options based on your risk profile to create a portfolio that is well-diversified, ensuring less risk and more returns.
The plethora of investment avenues helps you plan a diversified portfolio based on:
Your investment goals
Your risk appetite
Overall investment horizon
A combination of these three factors helps in picking suitable investment avenues. Investment goals are your financial goals for which you accumulate a corpus. Risk appetite means your financial capability to take risks. This determines whether you should go with market-linked investment avenues or not. Lastly, the investment horizon refers to the period for which you hold the investment. It can be divided into three main segments:
Short-term investment horizon, which includes a period from as low as 1 day to as high as 2-3 years.
Best short term investment option in India
Short-term investments are helpful when you are looking to build a corpus for a goal that is coming up in the near future. For recent graduates, this can be accumulating funds for your master’s degree. Or even something like creating a fund to initiate your travel plans and check off a few things from your bucket list. The reason could be anything, and short-term investments help you get the money you require in a matter of a few short years if you invest the right way.
Bank savings account
Fixed deposit schemes
Recurring deposit schemes
Money-market instruments
Debt mutual funds
Bonus: Equity
ELSS schemes
Read more about short-term investment options in India
In conclusion
These are some of the most popular short-term investment options available in the Indian financial market. If you are looking to save up for buying a car, making a down payment on a house, or even taking a vacation in the near future, you can choose one or more of these options. Assess your risk profile and then make an informed choice. Also, create a diversified portfolio for better returns.
#Best short-term investment options in India#Best short-term investment#Best short-term investment options
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