fabiochiu/medium-articles huggingface dataset:
I am trans… but that’s not all I am.
By: Amy Petrelli
Tags: Wildlife, Transgender, Bus, Fishing, Trains

On the night of the 25th November 2020, I endured the most powerful and painful episode of dysphoria in my transition. Which has me thinking “is trans the only thing I am?”

One of my biggest interests is photography. I take pictures of mostly buses and trains, and a lot of wildlife.

First Eastern Counties BN12 JYO/36189, a Volvo B9TL/Wright Eclipse Gemini 2, sitting at Longwater Retail Park in Costessey bathed in winter sun.

Buses have been an interest since I was a small child, when my aunt would take me out on the plethora of Bristol VRs that Eastern Counties used to run. Trains came much later, when I ended up in a relationship with a girl who lived in Skelmersdale.

greateranglia 755337, a Stadler Class 755 Flirt, seen at Norwich Rail Station whilst being prepared for a journey to Stansted Airport via Cambridge

I’m also a very keen wildlife photographer, taking shots in all sorts of habitats from city streets to coastal marshes.

Family of Great Crested Grebes (Podiceps cristatus), at the University of East Anglia Broad.

Sometimes, my wildlife photography will take me into a zoo.

Somali Wild Ass (Equus africanus somaliensis) grazing at Africa Alive!, Kessingland.

Or even an aquarium…

Thick-lipped Grey Mullet (Chelon labrosus) at SEA LIFE Hunstanton.

Outside of the photography I enjoy a lot of TV shows, I’m currently on season 5 of Star Trek: Voyager and have watched Sense8 at least twice. TV has helped so much with these lockdown restrictions.

And i love my fashion. MY fashion… not what is “in”

My favourite dress, purchased from Hell Bunny.

And finally, I do love fishing. It allows me to get out into nature, and to photograph wildlife, particularly fish species which most people don’t realise even exist. So to finish, a few shots of me fishing, all taken by my fiance.

Me fishing at the Snipe Lake at Shallowbrook Lakes, Costessey

Bringing in a fish at the University of East Anglia Broad.

Casting out on the River Wensum just downstream of the Hellesdon Road bridge.

And finally, still catching fish at dusk in late summer at the River Yare at Bowthorpe Marshes.

Oh…. oh…. of course!!! Naturally I’ve taken part in several Pride marches!!

Me holding the front left corner of a gigantic trans flag at Norwich Pride, on Theatre Street, Norwich.

Me getting slightly damp at King’s Lynn Pride.

I do hope you enjoy this as much as I have. And I will be writing about my adventures in the future!!

Love

Amy x
On the one hand, I'm appalled by this story: what kind of credulous simpleton thinks it’s a good…
By: Where Angels Fear
Tags: News, Wildlife, Comedy, Satire, Humor

On the one hand, I'm appalled by this story: what kind of credulous simpleton thinks it’s a good idea to feed metal to a turtle!?

On the other, I’m appalled by you: those puns were painful 😀
Thai Surgeons Remove 915 Coins Swallowed by Sea Turtle: Veterinarians in Bangkok have operated on…
By: Johnny Robish
Tags: News, Wildlife, Comedy, Satire, Humor

Source: Associated Press

Thai Surgeons Remove 915 Coins Swallowed by Sea Turtle

Thai Surgeons Remove 915 Coins Swallowed by Sea Turtle: Veterinarians in Bangkok have operated on a 25-year-old, female green sea turtle, to remove 915 coins weighing over 11 pounds, coins fed to the turtle by tourists who believed that pitching coins at the turtle — would give them good luck.

Well, I do have to admit, I’m a bit shocked by all of this. I mean, who knew turtles had money problems also? To be honest, I’d also like to throw in my two cents worth here too, but I suppose that’s the last thing this poor turtle needs at this stage of the game.

Now, when you think about it, what these damn “luck-seeking” tourists have done, is basically turn this poor, helpless turtle, into kind of a floating vending machine. Meanwhile, after the turtle left surgery, doctors continued to monitor, just to see if they could see any “change” in the patient.

Anyway, I have to report that sadly, this story doesn’t have a very happy ending. Turns out, that shortly after doctors surgically removed all those coins, the turtle suddenly realized it doesn’t have a penny to its name — and immediately to file for bankruptcy.
A vida selvagem dos Códigos de Barras
By: Fábio Marcolino
Tags: Literatura, Wildlife, Poesia, Desabafo

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Bella&Buzz
By: Lori Mccray
Tags: Photography, Birds, Nature, Wildlife

Photographer, Poet, Musician, Mother, Mystic, Gardener, friend of wild creatures, swan whisperer. Find me on Flickr: https://www.flickr.com/photos/wingthing/
This is a Bug’s World
By: Chena Air
Tags: Nkwashi, Chenaair, Insects, Bugs, Wildlife

by Esnala Banda

It’s a hot afternoon. This is Africa, it’s to be expected. 3 boys chase a large grasshopper around the yard. I watch them, they’re intent on their purpose. Catapults in hand one shoots at a small bird on the fence.

After a quick roast on the brazier they come and present me with their spoils. The four us share this prize from their adventuring. The grasshopper was fatty, and deliciously so.

My brothers were my best friends. In the thick of the African heat, they took it upon themselves to keep my 5year old self entertained and beguiled by their undertakings.

In the shade of the mango tree, I watched them many a time run around the house, climb trees and catch dragonflies in the backyard.

“It’s easy,” Harrison said. “Just make sure you’re really quiet and catch them by their wings. But gently of course you don’t want them to fail to fly”.

And so, every time we’d see them land on the flowers we’d creep up and catch them by their delicate blue-green, yellow-burnt orange wings and watch them buzz a while before letting them go on their journey again.

As I walk around Nkwashi I’m reminded of these early encounters with insects. Out here, as with many sangas (bushy/woodland areas) I have to remember to close my windows on time to avoid sharing my room with all manner of bugs. Big Yikes!

If you know me you know I don’t like bugs. Like any ordinary person, I enjoy watching documentaries and the occasional insect trivia, but immersing myself in close proximity to them, not so much.

You’ll see all manner of bugs here. Beetles, spiders, moths, bees, wasps, flies, praying mantises, stick insects and others that I can’t quite name. So of course, there’s a lot of screaming and calling for help to expel the odd spider or cricket from my room or wherever it is I am trying to spend my time, but that is to be expected.
FEATURE DESTINATION: Photo Series at Sabi Sand Reserve, South Africa
By: Sevenseas Media
Tags: Travel Destination, Feature Destination, Wildlife

Sir Richard Branson’s Private Safari Game Reserve is one of the most breath-taking safari lodges in the Sabi Sand Reserve. Today safari isn’t just about the thrill of a game drive, it is very much about education and long-term conservation and nothing is more important to the Rangers and Guides at Ulusaba. Guests on safari can expect to learn in abundance about endangered species and help in the work being done to protect them for our future generations. They will have the opportunity to immerse themselves in the local culture, visit the local communities that the game reserve supports and witness some of the hugely important work the camp is doing to educate, develop and protect the livelihoods of those communities. At Ulusaba lookout for the ‘Big Five’ on the twice-daily game drives traversing an area of 13,500 hectares, accompanied by a fully trained and experienced ranger and tracker.

Virgin Limited Edition, Roof gardens Kensington
Wildlife Feature: Beavers, Ecosystem Engineers — North Carolina Wildlife Federation
By: North Carolina Wildlife Federation, Ncwf
Tags: Wildlife, Wetlands, North Carolina, Beavers, Wildlife Feature

The American beaver, Castor canadensis , is North America’s largest rodent and are mainly identified by their brownish-black fur coats, wide and hairless tails, and the four large front teeth that they extensively use for chiseling trees and bark. Beavers can be found all over North America in habitats near rivers, lakes, swamps and marshes. They are efficient swimmers due to their webbed hind feet and flat tails, which propel them effortlessly through water. While they often come on land to gather branches and trees, they are less agile in terrestrial habitats.

Beavers are often called ecosystem engineers because they can make drastic changes to their environment. They build dams to flood habitat, dig canals to relocate water and cut trails to make transporting food easier. Beaver dams can improve ecosystems and water quality by reducing flood waters, removing excess nutrients and chemicals and recharging groundwater reserves. The dams slow down stormwater runoff allowing for the water and excess nutrients to percolate into the ground where they can be stored.

The beavers’ alterations of the land and waterscapes also benefit many other species including wood ducks, deer, bats, otters, heron, turtles, frogs and salamanders by creating ideal wetland habitat. Even North Carolina’s endangered butterfly, the St. Francis Satyr, relies on beavers to help create its required habitat for survival and population growth.

A beaver seems to take advantage of all aspects of its environment. They use trees and mud to construct dams, lodges or burrows. If they do not construct a lodge, they will often burrow into the banks of rivers and lakes. No matter what the home looks like, both the lodges and burrows have aquatic entrances, which helps to deter predation from terrestrial animals.

Beavers also encourage a ready food supply by increasing aquatic habitat for herbaceous plants by constructing dams and lodges within flooded waters. Beavers are herbivores, eating bark, twigs, leaves and aquatic plants. While beavers are active year-round, they are nocturnal and spend busy autumn nights repairing dams or stockpiling food for the winter months.

Beavers are prized for their fur and were an important part of the economy in North Carolina until the 19th century which led to over-trapping. The last recorded trapping of a native beaver in North Carolina was in 1897. The NC Wildlife Resource Commission helped reintroduce beavers to NC in the 1930s after they were extirpated. With few natural predators, beavers are able to thrive anywhere where there is ample food and water and they can now be found in most North Carolina watersheds.

Feature image credit: Tim Engelman
American Hippopotus Named “World’s Most Dangerous Beast”
By: Allan Ishac
Tags: Funny, Politics, Wildlife, Satire, Humor

American Hippopotus Named “World’s Most Dangerous Beast”

World Wildlife Fund says massive animal is capable of destroying all life on the planet just by throwing its weight around Allan Ishac Follow Nov 23, 2020 · 3 min read

A grainy shot of the lumbering American Hippopotus, here digging up snakes for lunch. Credit: www.dailymail.co.uk)

In it’s annual list of the world’s most dangerous beasts, the World Wildlife Fund has included the American Hippopotus.

“While many people are aware of the aggressive African hippopotamus, the American Hippopotus is actually more lethal, capable of destroying all life on the planet if it gets angry or feels threatened,” said Jake O’Fauna, WWF president.

The hippopotus lays a golf ball-sized egg (shown here) then covers it repeatedly with sand. (Credit: almanacnews.com)

Unlike a hippopotamus, according to O’Fauna, the American Hippopotus is identified by a long metal-like snout growing from both front paws, which it uses to scratch at short grass and beds of sand. The snout is periodically swung through the air as a defensive weapon to “drive off” enemies.

The vindictive, yet sometimes awkward and comical beast, has a small sexual organ, although it likes to preen and strut as if its genitalia are more prodigious.

The American Hippopotus also has impossibly small front paws and back feet, considering the amount of weight it carries on its frame.

The hippopotus’ natural habitat is short turf fields, sandy holes, and higher rough grass, although it can be seen fishing occasionally in shallow waters. (Credit: starschanges.com)

The hippopotus’ stomach is round and soft, but capable of ingesting copious amounts of sweet foods, while the buttocks is large enough to completely envelop a large lounge chair. It has orange, straw-like fur, but sometimes fashions foraged cloth scraps into a red and white head covering.

For a large animal, the American Hippopotus has a very shrill way of communicating, a tweet-like signal that most people find incredibly annoying.

Male Hippopotus seen here trying frantically to bury its egg in the sand. (Credit: https://imgflip.com)

While some consider the American Hippopotus interesting to observe, WWF experts advise that it is best to avoid the breed as it is mercurial and not to be trusted. They add that other animals in its habitat avoid the American Hippopotus because it is such poor company.

The World Wildlife Fund’s O’Fauna says that while the American Hippopotus did make its Most Dangerous Beast list this year, he is expecting that it will become extinct by January. “However, the WWF will not fight to save this species and we are, in fact, working to make sure it never makes a comeback on planet earth again.”

****

See more of my daily satirical posts here.

And what’s dumber than Donnie? Check this out.
We’re Thankful for YOU
By: Sydney Giuliano
Tags: Wildlife, Virtual, Thank You, Usfws, Volunteer

While on our public lands, you stayed safe. You followed guidelines, kept your distance, and looked out for the wildlife around you. When we couldn’t connect with you through events and demonstrations, you made connections with one another. Take North Attleboro National Fish Hatchery, for example, where an open gate and a stocked pond attracted the local fly fishing club. The members met many visitors and offered their expertise on fly-fishing techniques, all while maintaining a safe distance.

Wildlife Biologist Kris Vagos releases a monarch during the virtual Mingle with Monarchs event at Stewart B. McKinney National Wildlife Refuge in Connecticut. USFWS

When you couldn’t make it physically, you tuned in virtually. Many of our refuges and hatcheries hosted online events to inspire and educate:

Mingle with Monarchs virtual walk at Stewart B. McKinney National Wildlife Refuge

Ask a Biologist and Nature Tots video series with John Heinz National Wildlife Refuge at Tinicum

Wildlife Trivia with Iroquois National Wildlife Refuge

Art contests and Behind the Scenes tours with Rachel Carson National Wildlife Refuge

You continued to learn all you could about our natural resources from the safety of your homes. You actively engaged with our staff members and reminded us that, though we may not be with you all outdoors, we can still educate from afar.

Staff and volunteers sell Federal Duck Stamps and entrance passes at Edwin B. Forsythe National Wildlife Refuge in New Jersey. USFWS

You helped raise funds by purchasing Federal Duck Stamps and hunting licenses. With 98 percent of Duck Stamp proceeds going directly to the purchase of millions of acres of refuge lands, you made your money count. Because of programs like this, we are able to protect many of our nation’s natural spaces.

Smith College engineering students working with Kevin Mulligan (U.S. Geological Survey) and Julianne Rosset (U.S. Fish and Wildlife Service) at Silvio. O. Conte Anadromous Fish Research Laboratory in Massachusetts. Brett Towler/USFWS

You volunteered your knowledge and your time. Early this year, a team of Smith College students worked countless hours alongside staff from the Service and the U.S. Geological Survey to develop a model for a vertical-slot fish passage design. This project will help fish migrate past dams and improve aquatic connectivity in years to come.
Ooh … ooh … an expert! ‎ Can you run through my checklist here, please, and make any necessary corrections? https://extranewsfeed.com/how-to-survive-a-bear-attack-201d24f8e9d1 ‎ Thanks.
By: Where Angels Fear
Tags: Nature, Outdoors, Wildlife, Humor, Camping

There he goes. One of God's own prototypes. A high-powered mutant of some kind never even considered for mass production. Too weird to live and too rare to die.
Learning to Live More than Broke in Baltimore City
By: Sloane Redd
Tags: Financial Planning, Broke, Fianance, City Living

I am going to be completely honest with you. This story is not going to be about a pity party. This is more of an enlightenment journey of how anyone, no matter their situation can grow from the bottom up in any city no matter your income. This story is refreshing new take on how to make life more than worth it.

First things first is the importance of living your best life on a budget. Lil Duval was more than right when he rapped about living your best life and not worrying about others as much. What people forget to realize is friends are more than expensive. The going out, partying, events, and loaning money for some has a habit of making your wallet seem non existent. The importance of saying no may be hard but a requirement to financial growth. A night in and buying generic or discounted food in cheaper grocery store chains such as Aldi’s is a great way to save money. Starting to build credit with companies such as discover, chime, and capital one is a great way to build a credit score. Going to events that are expensive or free is another way to live your best life on a budget.

Living in the city at times can also be beyond stressful for just about anyone. I can tell you that Baltimore is no cake walk in terms of living. Now that you have an introduction to finances now its time to hear all about how to make money outside of a traditional job. Traditional ideas such as lyft and food delivery can be convenient for some but not for others. There are tons of ideas that come to mind for little to no money upfront. The first idea is drop shipping. Which means you open a store, have a direct contact with the manufacture and you are the middle man who sells the items on your store.. Another low cost idea for extra income is starting a you tube channel. A third idea, is opening a t-shirt/merchandize store on sites such as T-spring, zazzle, Redbubble and even Amazon Merch. A fourth idea is transcribing audio into written language. The final idea is writing for publications online for free or low cost.

The final idea I have you in living in any city is the importance of overall health. Consistently getting help with a therapist is a great way to help with overall prosperity in any setting. Self growth is the most important thing in the world. Have a strong mind is just as important has having a strong body. I am so glad that you have stuck around to read the end of my tips and tricks of surviving in any city! Thank you so much for reading!
Did you Graduate recently? Listen up...
By: Ntando Mbele
Tags: Financial Planning, Graduate Students, Entrepreneurship, Recent Graduates, South Africa

Did you Graduate recently? Listen up...

Do you know that your salary is an illusion?

Let me teach you some basic math: R350,000 a year. After taxes you only get about R287, 225. Minus 12% for pension, take home is R257 565.

If you are not staying at home, rent can be about R4500/month in the city. #stayhome

If you don’t have medical aid already, R1700 minimum. Less maybe for hospital cover only...

Your new cash flow is R257, 565−(R54, 000+(R1, 700×12) ) = R183, 165.

Need a car? used car (preowned) with an average car payment of R3, 500 and your insurance about R1, 500 (if you have never been covered by car insurance this value can be quite high, first time driver. So many other reasons).

Do not buy a car!

You didn’t listen!

Your new cash flow is R183, 165- R60, 000 = R123, 165 a year.

Let’s talk about food with a minimum of R2000 a month, drinking woolies water hah. Your new cash flow is = R99, 165. I did not even include clothes, takeouts, fuel, utilities, cellphone, bank fees etc.

And these expenses that I mentioned are very conservative. Some of your predecessors bought a R6000 car + R3000 on insurance! Dont ask me how.

So the next time you want to apply for a credit card or add new expenses to your monthly budget, think about this article.

I’m not done!

You only have R8, 263.75 / month... That is your pay... That is the salary you tell your friends and family... NOT R30, 000... Blacktax will humble you.

Don’t play yourself

Don't believe the hype!!

Your cash flow is NOT R350, 000 a year, your cash flow is actually under R99, 165 a year. R8 263,75 per month, not R30, 000. You will wonder how in the world your paycheck is gone in less than 48 hrs every time you get paid.

Child.... No one cares.

You HAVE to start your own business if you really want to prosper. It will be very hard to make it with a job.

You are lucky to even have a job.

But you might need two.

If you didn’t know... now you know.

Retweet on twitter here.

Share on Facebook here.

Credit @Hassan Shareef here

Disclaimer: salary value and expense estimates used are based on a salary of a graduate engineer is South Africa. Your value may be higher or lower than this. That’s besides the point. Make good choices.
What are assets ? — best way to create assets
By: Rekha Rani
Tags: How To Build Assets, Financial Planning, Financial Freedom, Financial Knowledge, Financial Independence

What are assets ?

There are two types of things a person\corporation have :

1. Assets

An asset is something containing economic value. An asset can often generate cashflow in the future, such as a stock, a rental house, a patent, etc. In other words, An asset is anything which enters money in your pocket.

2. Liabilities

A liability is something which lose its economic value over the time. A liability can take your money from you for maintenance, etc. in future such as car, house, costly smartphones, etc. In other words, a liability is anything which takes money out from your pocket.

Why buy assets ?

There are mainly two type of assets :

> Personal assets — assets own by individuals such as shares of a company, rental property, etc.

> Corporate\Business assets — assets own by corporations such as a high potential startup own by a corporation, etc.

If you want to be rich and financially independent, you must create Personal assets because assets can generate cashflow without your actively working i.e. Passive income. Rich people like Warren Buffet, Robert Kiyosaki, etc. always buy assets first than liabilities.

On the other hand, poor people always buy liabilities first and most of time they they didn’t buy assets. In turn in long term, these people get into a deep debt or can’t become financially independent in their whole life. So, assets are important to create but how to create them.

How to create assets ?

Read full blog here
Easiest way to get Financial Independence
By: Rekha Rani
Tags: Financial Freedom, Financial Independence, Financial Planning, Financial Knowledge

What is Financial Independence ?

“ Wealth is the ability of no. of days a person can survive, if he\she stop working today without lowering living standards. “

This definition of wealth is enough for defining Financial Independence.

any person = x

y = x’s Wealth — number of days x wanted to survive

If y = 0 then the x is Financially Independent.

For example :

A person wanted to live 7300 days(about 20 years) and his monthly expenditure is Rs.70,000 then he has to develop a passive income of Rs.70,000 then he can get Financial Independence. In this example, we can’t include Inflation a factor however in long term financial planning we include many factors such as Inflation, Market crash, etc.

Financial Independence is very important to live life.

How to count wealth?

To count wealth, don’t count wealth because it’s nearly impossible to count exact wealth because evert time market goes up and down and Inflation is also a factor.

If you buy a burger in India for Rs.10 then after 10 years, you will buy the same quality burger for Rs.16 in India with average inflation of 6% so, if you accumulate sum of Rs.16,00,000 then instead of 1,60,000 burgers, you can only eat 1,00,000 burgers.

Hence, don’t count wealth Instead, …

Read full blog here ..
How to Make Financial Models That Matter
By: Jessa Kristina
Tags: Financial Planning, Financial Model, Money, Entrepreneurship, Business

In order to keep up with the fast-paced global economy that is at this time immensely influenced by our innovative technology, business owners should be fast but accurate when it comes to strategic planning. One of the ways to do this is via financial modeling.

Financial models, basically, are pragmatic for forecasting a company’s financials and making better financial decisions. By means of financial modeling, you can calculate for new projects, budgets, compare your business to other businesses in the same industry, and prepare for future circumstances based on existing numeric data.

What are the different financial models?

There are several financial models for several purposes. But what are the most necessary practices to make your model matter?

Keep it truthful.

Your data needs to be realistic, and make sure to only make good and plausible assumptions with the aim that your financial model will actually serve its purpose.

Simplify it.

An easy-to-understand model is best. Complex information should be simplified and make sure that your formulas are as simple as possible. This is so it’s easy to follow, to prevent confusion, and to maximize its purpose.

Make it consistent.

The layout should be consistent and there should be proper formatting. How you present your numbers, formulas, columns, names, and such should be the same all throughout so your model has harmony and smooth flow of information.

Follow good design and aesthetics.

The model design should be accessible and simple to follow. Details should be expandable and you should be able to easily move around it.

Create an effective presentation.

Your model should be effectively presented. Make sure that it’s capturing the picture of a specific question or a problem that you’re trying to solve and make sure that you are communicating the data clearly.
Wealth Challenge: Weekly Update 12.23.20
By: G M Potter
Tags: Financial Planning

Faced with setbacks and obstacles, I push on.

This is the first week of the “Wealth Challenge” where I, the author, takes on the obligation of earning some extra money on the side in order to pay the impending student loan payment.

On January 1, 2021, the student loan payments for Department of Education will resume. For the past half year, or so, these loans have been in forbearance, or frozen, and borrowers have been relieved of the burden of paying them each month.

This burden has returned, or will soon, and the object of our “Wealth Challenge” is to demonstrate how to afford this new, but old, debt obligation. In other words, this is the moment when I get to “Put Up or Shut Up.”

My student loan is fictitious and only serves as a model for this challenge. For many, the obligation is anything but fictitious. They will be reacquainted with the burden starting on January 1, 2021. For many, they can not afford this additional expense.

The Wealth Challenge demonstrates how they might meet this challenge through my example.

Week One; Summary

Day 1. I applied to the first transcription platform, calling it Platform A since names are unimportant right now, and filled out the forms. I was required to complete an entrance test to see if I qualified.

Keep in mind. I am a published author and a graduate of the University of California at Berkeley with a degree in English.

The entrance test did not go well. The questions focused on grammar usage and familiarity with their style guide. I failed the test three times and was rejected. This should not confuse anyone. This platform is quickly forgotten as I continued the process with Platform B.

Day 2. Platform B was set up in a very similar way to Platform A. I filled out a form, was instructed to download their Style Guide and Entrance Test Requirements as two PDF documents.

Day 3–5. I am still going over the Style Guide. I am finding it necessary to ensure that I pass the entrance test and can begin working and earning some extra money. I will be ready to take the entrance test tomorrow or the next day.

Even though it seems that there have been a few obstacles and I am, perhaps, taking too much time with the Style Guide, I should remind the reader that I am spending only 2 hours per day on this project. This is one of the conditions of the Wealth Challenge — Can I do this by only committing two hours every day?
Shreeji Lending — Loan Provider in Mumbai
By: Atul Sangani
Tags: Loans, Financial Planning, Mumbai

Shreeji Lending is a leading Loan Provider in Mumbai, Maharashtra

We provide Financial Advisory and act as a broker to provide you multiple forms of loans like

Home Loans

Business Loans

Personal Loans

Gold Loans

Loans Against Property

Doctor Loans

Shreeji Lending is led by Atul Sangani who is the face behind Shreeji Lending he has a wealth of experience in the domain of Finance and Lending he has been doing this since 16+ Years. He is your go-to person in Mumbai if you require Loans or any kind of Financial Advise.

People in Mumbai require loans for various reason and for good reason; loans are quite important to meet the ends; be it for reasons like starting your small business or finally bottling up the courage and confidence to own your home in a city like Mumbai and when you need it you need to choose a Loan provider that is trustworthy and transparent in it’s operations.

Shreeji Lending only onboards notable and trustworthy financial partners to facilitate loans to consumers we have esteemed banks as our financial partners; banks like State Bank of India, Bank of India, Central Bank and many more.

Find us

Shreeji Lending

Jayanti Shukla Marg, Malad, Navy Colony, Mamledarwadi, Malad West, Mumbai, Maharashtra 400064

Call us: 9763413861

Feel free to contact us if you have any questions, we will be happy to help you out :)
From ₹9500 to ₹120000000
Tags: Finance, Financial Planning, Investment, Investing, Stock Market

A 13,000 TIMES PROFIT

A prime example of the Indian stock market’s potential is Infosys. If you subscribed to 100 shares of Infosys at its 1993 IPO at a price of ₹95 per share, you would own 1,02,400 shares of the company today. At today’s price of ₹1177 per share, that investment would now be worth over ₹12 Crores!

How did this 100 shares grow into 1,02,400 shares?

BONUS SHARES

Bonus shares are shares distributed by the company to the share holder as a bonus which is free of cost. It is given in ratio to the shares held. It can be in any ratio, say if the company announces 1:2 bonus it means the share holder gets 1 free share for every 2 shares held. If it is a 3:5 bonus the share holder gets 3 free shares for every 5 shares held.

STOCK SPLIT

A company announces stock split to reduce the price of shares by increasing the number of shares. It depends on the face value of the company. Say a company has face value of ₹10 and it has announced 2 for 1 split. The the face value goes down to ₹5 and the number of shares is doubled. It is generally announced when the company feels its share is not affordable by the retail investor as many investors tend to buy 100 shares worth ₹10 rather than buying 10 shares worth ₹100.

Infosys announced 8 bonus shares and 1 stock split which increased the number of shares held from 100 to 76800.

On 30–06–1994; 18–06–1997; 25–01–1999 Infosys announced 1:1 bonus which means you would get 1 free share for every share held. So your shares has been doubled 3 time.

Shares bought = 100

Shares after 1st bonus = 200

Shares after 2nd bonus = 400

Shares after 3rd bonus = 800

On 30–11–1999 Infosys announced 2 for 1 stock split which means the value of the shares is reduced to half and the no of shares held is doubled. (there is neither profit nor loss in stock split)

Shares after stock split = 1600

On 13–04–2004 Infosys announced 3:1 bonus which means you would get 3 free share for every share held. So your shares has been quadrupled.

Shares after 4th bonus = 6400

On 14–04–2006; 10–10–2014; 24–04–2015; 13–07–2018 Infosys announced 1:1 bonus again the shares has been doubled 4 times.

Shares after 5th bonus = 12800

Shares after 6th bonus = 25600

Shares after 7th bonus = 51200

Shares after 8th bonus = 102400

You did nothing but to buy 100 shares worth ₹9500 which grew into 102400 shares worth ₹12,05,24,800 which calculates to about 40% compound annual growth rate.

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The Four Threats to Your Financial Future — Part Four of Four
By: J Scott Foster
Tags: Personal Finance, Financial Danger, Financial Planning, Financial Advisor, Financial Wellness

Threat # 4 — Your True Cost of Living

The True North of financial management is that life gets more, not less expensive.

How do we mitigate the slow erosion of our financial resources in light of this truth?

First, it’s essential to understand where it comes from. Several factors are often not fully considered, like simple inflation.

The Federal Reserve wants inflation to exist, though they want it controlled. When things cost more in the future, it spurs economic activity today.

The rising cost of something one year over the next can be minimal. For example, 3% inflation means that something costing $1,000 today will cost $1,030 a year from now. It is not a big deal today, but that 3% inflation over 24 years will double the items’ cost.

It almost operates like a stealth tax. Over time, it can take 50% or more away from your wealth.

Then there’s the stuff that doesn’t exist today, but you’ll want to buy in the future. New technologies will change existing products like your refrigerator, and obviously, brand new products will emerge.

Think about how much money you would have if everything you owned never wore out, always stayed in style, and never had to be replaced.

You may have to take new medications and treatments you didn’t need before. Then there’s the real possibility of new or increased taxes.

You also have to deal with unexpected life events.

One example would be a gentleman we’ll call Josh. He has been remarried, which is not uncommon. His family grew to six children overnight. All those children went to college out of state. Some had an extra year or two in college, turning the four years into six. There were many weddings.

Josh got a phone call from one child in college who had accidentally hit someone with their car. It resulted in a lawsuit. Another child required rehab. Real-life happens, affecting the amount of wealth available.

In Josh’s case, he was able to deal with life having other plans. He shared that he had been an elite saver, had money accessible in life event funds, and had optimal liability coverage. If those items had not been present, his future would have been adversely affected.

Each of these threats can be scary and challenging to face. Still, they can be overcome. Through careful planning, accurate information, and an organized holistic approach, you can defeat these four threats to your financial future.

That’s where the process of Optimal Financial Wellness can help. It’s a multi-faceted approach to wealth management that anticipates the pitfalls and plans accordingly. Because yes, beyond here, they may be dragons, but dragons can be beaten. You just need courage and a plan.
4 ways to secure the bag
By: Virgo Financial
Tags: Money, Security, Financial Planning, Mindset

Every day we hustle to create a better lifestyle for ourselves and our families. We wake up every day hoping to be a better version of ourselves. Some of us are on a mission to do more and give back to our communities. Now more than ever, it is important to secure our assets and create a system to financial wealth. Here are 4 ways to secure the bag:

Healthy Mindset

The secret to financial abundance is creating a healthy mindset. Positive affirmations, mediation, clearing away the negative self talk. We must build a strong inner world for the outer world to be successful.

2. Hold yourself Accountable

If you’re in a bad place or in massive debt, no need to point the fingers at someone else. Reflect on yourself and what brought you to this point. We must hold ourselves accountable and understand that we are human beings that make mistakes. You must believe in yourself enough to move forward and create the life you want.

3. Disability Insurance

The biggest asset and key to continuous income, you! 1 out of 4 people will be disabled by the time their 65! Of course, we don’t think about things like this but what happens when you’re in an accident? What happens if your health begins to dwindle? What if you’re a single parent and have no other income? Disability Insurance is a necessary addition to your financial portfolio. It will replace the income that will help you continue living your life. Protect what you work so hard to retain.

4. Life Insurance

No financial planning will ever be complete without a life insurance policy. Secure your future and others that depend on you. We are not invincible to death and its best to be prepared. There are tons of policies that can cater to your financial needs, please seek a reputable insurance advisor that will help you protect yourself and family.

Wake up every day knowing that you can have a peace of mind with these tips. 2020 has been an eye-opening year and it’s time to plan, invest and hustle to gain financial success and freedom.
The 1 New Year’s Resolution that should be on everyone’s list for 2021
Tags: New Year, Financial Planning, New Years Resolutions, 2021, Finance

With the year 2020 coming to a close, it seems that now more than ever 2021 is a beacon of hope and the perfect reset mentally, spiritually, and financially. Like many others, I will not look back on this year fondly, and like many others, I had to take a hard look in the mirror and realize I could easily be up next in the line of lay-offs and furloughs that have plagued this country.

While I was incredibly fortunate and did not lose my job, I am well aware of the hundreds of thousands that were not so lucky, and were furloughed or laid off and left in an economic limbo.

This led me to thinking about where my money was going — was I doing enough to set myself up not only for the future i.e. retirement, but for financial stability in the now? If I were to be let go from my position tomorrow, would I be in a place financially where I could keep the roof over my head and still be able to provide for myself on a base cost of living or “Survival Mode” as Dave Ramsey calls it for the months that it would take to find a new job?

No. I was not. Frankly the $1,000 emergency fund we were told to save (thanks Dave) isn’t going to cut it in this day and age, especially with the sky-high rent the majority of millennials are facing.

That is why the #1 New Year’s Resolution that should be on everyone’s list for 2021 is… building an emergency fund.

If 2020 showed us anything it’s that emergencies do come up out of nowhere, and whether you’re in debt or debt-free, without proper planning, it is a devastating blow.

This is the year to set aside a portion of your income every month and pay yourself first, and I’m not talking about for that dream vacation you have planned all these months quarantined (although definitely treat yourself if you can!), but to save for that “my car broke down” or “I lost my job” or “one night in an ER cost me how much?!?!” emergency that would stop you in your tracks financially.

The ideal emergency fund that experts suggest is 3–6 months of your income, however in my opinion it should be enough to make you feel safe and secure financially, and confident enough that if something comes your way you can handle it without taking on debt.

This is something you CAN build while paying off debt. Even if it is $25 a week you are able to contribute (that’s one less uber eats order a week), that’s more than $1200 in one year. If you add in the $600 from the government’s proposed second stimulus package, that’s more than $1800 in one year, or $2800 if you already have a baby emergency fund set up.

In a time of so much instability, doing something small like this can easily set yourself up for success in the future and most importantly peace of mind for years to come.

That way, you can sip that fancy cocktail without a care in the world, wherever the world takes you.
Why should I invest?
By: Vsrk Wealth
Tags: Financial Planning, Mutual Fund Investment, Retirement Planning, Investment, Mutual Fund Advisor

Everyone in the world wants to make money. This could be done only in two possible ways. First is to work hard enough for yourself either through their own business or by working for someone else. Other is to make money from money. Investing comes in the latter option. Difference between these two options is that in investing instead of you working for money, money works for you. You can invest over a large number of options. You can invest in precious metals like gold & silver, stocks, bonds, mutual funds, real estate or a combination of all of the above.

Investment is, in reality, the actual ‘money plant’ which you will have to nurture and care until it grows enough to self-sustain. After that, you can reap economic benefits from the same. It simply works on the concept of ‘power of compounding’ where the money that you invest brings interest which is re-invested and so on. This ultimately results in a large pool of funds.

Through the right investment strategies, you can fulfil various financial goals. These goals normally vary from person to person and depend on the investor’s age, risk appetite and levels of income. It starts right from the time when an individual starts earning and support her/him when he starts a family, buys a house, her/his children start education and get married and even after the individual gets retired. Investment is like the best friend one can ever ask for, one that stays with you through thick and thin with just one condition of being consistent in making regular investments.

Apart from the above benefits, it also provides you with an additional wall of protection against inflation. It’s the thief of your wealth. If your rate of return on investment is not higher than the inflation rate, you will be losing money. This is one of the reasons that mutual funds are one of the most popular options. They provide a high return on the investment along with the reduced risk through diversification of funds into various securities.

Now you might be pondering about the right time to start investing. As we have always believed, the best time to invest was yesterday, the second-best time is today.
Top 5 Stocks In S&P 500 1980–2020
By: Jonathan Baird Cfa
Tags: Startup, Financial Planning, Investment, Investing, Stock Market

The chart below offers an interesting distraction in these turbulent times. The gradual change in the composition of the largest S&P weightings over-time offers a variety of lessons.

The change from 1980 to 2020 (roughly half a lifetime) illustrates the remarkable diminishment of the economic influence of the oil industry in favour of the dominance of companies empowered by the development of the internet.

The much greater weighting represented by the top 5 in 2020 than in previous years suggests that we can expect greater S&P volatility, both up and down, in the years ahead.

The most conspicuous lesson, of course, is the role that change plays in the capital markets and our lives. The most certain lesson from the chart is that the top 5 stocks in 2060 will look very different than in 2020.

If you found this post of interest, you’ll find the Global Investment Letter of value. To view free sample issues please visit: https://www.globalinvestmentletter.com/sample-issue/
My Minimalist Approach to Combat Consumerism
By: Yu-Ching Lin
Tags: Minimalism, Personal Growth, Consumerism, Financial Planning, Beyourself

Three secrets to achieving financial goals

(1) Saving money requires setting goals

I have been working for several years now. Because I am only required to pay for my own living expenses and don’t even need to pay rent, I actually have a pretty good life. If there is still a surplus of money in the account after bills are paid, I like to purchase new clothing, invest in a new mobile phone, or sometimes even buy a luxury bag worth $3,000 USD. Though I am not considered rich, I live my life comfortably.

I came to understand that the reason I spent excess earnings was that I had not set a goal of saving money. If I had established a clear goal for saving money, I would know that buying a luxury bag would lead me far away from my financial goals.

In addition, if I had identified what dreams I could pursue with my saved money, it would have motivated me to live with less in the present. As a result, it’s important to set tangible goals when saving money.
Kristi, I am so very sorry for your loss.
By: Sterling Page
Tags: Financial Planning, Funerals, Death, Generosity, Helping Others

Kristi, I am so very sorry for your loss. I have no children of my own, but I can't imagine greater grief than that of a parent burying a child. Much love to you, friend.

We lost our mother unexpectedly 18 years ago and though it took me many bitter years of shock, scorn, and contempt before resignation took over, one thing over which I've never recovered is the shady business of funeral homes. The day Mom died, the funeral home representative relentlessly pestered us for more information on Mom's last wishes. My dad printed off the paper from his computer, but this guy kept asking him financial questions (that the paper explained.) Finally, one of the police detectives got in the guy's face, pointed at the paper, and told him everything you need to know right now is on this paper.

My father had a $10K life insurance policy for my mother, but as anyone knows, it takes a little time for the insurance to process the claim. That funeral home called my grieving father every damn day for a week after Mom died to ask if he received the insurance check. I was there one day when they called and I let them have it. I told them not to call my dad again, or I'd contact our attorney and the police to file harassment charges.

One day, I’ll write about this experience. Every ad you see for funeral homes shows kind and gentle faces who only want to help the grief-stricken. That they do, but at such a cost of humanity that it’s loathsome.

Thank you for sharing this important story with us. I know it must have been hard to write it.

Again, many healing thoughts for you in your time of grief.