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#Simplified wealth accumulation
skimblyshanks · 1 year
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listen luke evans has the pipes of an angel and the character design is dilftastic but the latest adaptation is committing the greivous sin of making scrooge's problem that he's grouchy and doesn't like the holiday so it's an automatic L
#realized i might sound like im being tongue in cheek but im not#it's a story about wealth distribution and class stratification#also it has enough antisemitic undertones as is#dont make it worse by maki g his crime not liking christmas#the only thing that makes me like the story is generally the turning point at the end of the 2nd ghost's visit#when scrooge gets his own cruelty spat back at him#like i have many feelings abt the whole thing#and the villanization of ppl who dont want anything to do with christmas has made me :/ since i was a kid#but suffice it all to say#i genuinely consider the new movie an L by the fact that Scrooge's problem is that he hates christmas#more than it is that he. idk. abuses his clerk while openly acknowledging he underpays him as well.#advocates workhouses and a bootstrap mentality#and is a malthusian social darwinist#so obsessed with the accumulation of capital that he *doesn't care* that he's causing harm to others#like yeah the character has sad aspects to his backstory but like. fndjfjdkfjek#part of the whole point is that he was making actively harmful selfish choices for years leading up to the present#and the only way to even hope to make up for them was to radically change everything about his relationship to capital#its not *just* abt being nice to the cratchitts. its great that he does become nicer to bob#but the point is also that he needs to stop valuing money above quality of life for *everyone*#and idk man idk it bugs me when it gets simplified down#anyway. -sits down with my Jim Carrey mocap version-
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botanicalsword · 2 months
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North Node in Natal Chart ☜ life purpose and area of focus
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Our inner aspirations - Talents ; Potential
The North Node is associated with our sense of fulfillment, representing our deepest desires that inspire our quest for satisfaction.
North Node signifies the potential that an individual can develop. The North Node represents a harmonious relationship between us and the collective soul, thus bringing about breakthroughs in our social sphere.
When the North Node aligns with different houses in our birth chart, offering valuable guidance for our lives. Each house represents a specific area of focus and provides insights on how we can navigate and grow as individuals.
On the other hand, the South Node is connected to our need for security. The South Node represents our habits, responses, situations, and experiences that provide us with a sense of security. The South Node refers to a person's past patterns and tendencies. It represents the disharmonious aspects between us and the collective soul, resulting in obstacles in our social relationships.
➻ • ➻ • ➻ • ➻ • ➻ • ➻ • ➻ • ➻ •
1st House
Look inward, understand their own needs, and independent
good to pursue self-employment
learns how to share with others since they cannot rely on others or intimate relationships
rely on themselves - they have to be independent
they are forced to do things on their own and end up doing better than before because they have the ability
2nd House
Accumulate wealth and enhance self-worth; success will naturally follow
focusing on improving yourselves and your financial situation
can earn wealth through their skills
have a specific expertise
have the ability to excel in their profession
resources are not something they possess and must be shared with others
Cultivate strong motivation to accumulate wealth
3rd House
Transform the abstract into the concrete, simplify complex ideas
master effective communication
learn to communicate with people and become messengers of information, sharing their original ideas with those around them
4th House
a stable and harmonious family life provides a solid foundation for our career pursuits
find a balance between our personal and professional lives
learn to balance their family and career by developing their family life
let go of the strong attachment to power as they were power-holders in past lives
Seize the opportunity to play important roles on the social stage
5th House
Develop your talents and boundless creativity to reap abundant rewards
that will bring immense benefits and fulfillment.
well-suited to leading major projects
they need to be mature and objective
avoid spontaneous and childlike behavior
overlook present joys in pursuit of long-term goals
6th House
Emphasis the importance of choosing the right career path
align your work with your goals
strive for efficiency and effectiveness in your professional endeavors
step out of their imaginary world
engage in tangible service work every day
7th House
highlights the significance of interpersonal relationships and collaboration
let go of self-centeredness, learn to compromise
cultivate positive connections with others
learn to let go of themselves and not focus on how others perceive them
8th House
emphasizes trust and sharing
adopting a selfless mindset
being open to collaboration that can bring you numerous rewards and opportunities
need to undergo the destruction of their ideology in order to transform and liberate their souls
9th House
look beyond worldly distractions
explore profound truths and philosophical ideas
venture into new territories, both physically and intellectually, in our quest for knowledge and enlightenment
learn to find the logical reasoning behind all common knowledge and allow it to form more complex and sophisticated structures
spend more time studying profound knowledge
expose themselves to diverse cultures, as it allows them to make comparisons with their own culture
10th House
prompts us to take on social responsibilities and strive for professional success
embrace independence
make a positive impact in our chosen career path
develop a sense of social responsibility
fulfill some social responsibilities through their work and do meaningful things on the social stage
11th House
Step into the public sphere
pursue career opportunities
gain recognition, respect, and the chance to make a meaningful contribution
learn not to be too selfish and to value the importance of the socials
achieve balance through socialising
12th House
cultivate self-understanding and inner growth
focus on our spiritual development
help others achieve their goals that can find deep fulfillment and purpose in life
avoid busyness and overwhelming attention
engage with activities like meditation retreats that allow them to quiet down
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asha-mage · 2 months
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WoT Meta: Feudalism, Class, And The Politics of The Wheel of Time
One of my long standing personal annoyances with the fantasy genre is that it often falls into the trap of simplifying feudal class systems, stripping out the interesting parts and the nuance to make something that’s either a lot more cardboard cut-out, or has our modern ideas about class imposed onto it.
Ironically the principal exception is also the series that set the bar for me. As is so often the case, Robert Jordan’s Wheel of Time is unique in how much it works to understand and convey a realistic approach to power, politics, government, rulership, and the world in general–colored neither by cynicism or idealism. How Jordan works the feudal system into his world building is no exception–weaving in the weaknesses, the strengths, and the banal realities of what it means to have a Lord or Lady, a sovereign Queen or King, and to exist in a state held together by interpersonal relationships between them–while still conveying themes and ideas that are, at their heart, relevant to our modern world.
So, I thought I’d talk a little bit about how he does that.
Defining the Structure
First, since we’re talking about feudal class systems, let's define what that means– what classes actually existed, how they related to each other, and how that is represented in Jordan’s world. 
But before that, a quick disclaimer. To avoid getting too deep into the historical weeds, I am going to be making some pretty wide generalizations. The phrases ‘most often’, ‘usually’, and ‘in general’ are going to be doing a lot of heavy lifting. While the strata I’m describing is broadly true across the majority medieval and early Renaissance feudal states these things were obviously heavily influenced by the culture, religion, geography, and economics of their country–all of which varied widely and could shift dramatically over a surprisingly small amount of time (sometimes less than a single generation). Almost nothing I am going to say is universally applicable to all feudal states, but all states will have large swathes of it true for them, and it will be widely applicable. The other thing I would ask you to keep in mind is that a lot of our conceptions of class have been heavily changed by industrialization. It’s impossible to overstate how completely the steam engine altered the landscape of socio-politics the world over, in ways both good and bad. This is already one of those things that Jordan is incredibly good at remembering, and that most fantasy authors are very good at forgetting. 
The disparity between your average medieval monarch’s standard of living and their peasants was pretty wide, but it was nothing compared to the distance between your average minimum wage worker and any billionaire; the monarch and the peasant had far more in common with each other than you or I do with Jeff Bezos or Mike Zuckerberg. The disparity between most people’s local country lord and their peasants was even smaller. It was only when the steam engine made the mass production of consumer goods possible that the wealth gap started to become a chasm–and that was in fact one of the forces that lead to the end of the feudal system and the collapse of many (though by no means all) of the ruling monarchies in Europe. I bring this up because the idea of a class system not predicated on the accumulation of capital seems pretty alien to our modern sensibilities, but it was the norm for most of history. Descent and birth mattered far more than the riches you could acquire–and the act of accumulating wealth was itself often seen as something vulgar and in many countries actively sinful. So with that in mind, what exactly were the classes of feudalism, and how do they connect to the Wheel of Time?
The Monarch and their immediate family unsurprisingly occupied the top of the societal pyramid (at least, in feudal states that had a monarch and royal family- which wasn’t all of them). The Monarch was head of the government and was responsible for administering the nation: collecting taxes, seeing them spent, enforcing law, defending the country’s borders and vassals in the event of war, etc. Contrary to popular belief, relatively few monarchs had absolute power during the medieval period. But how much power the monarch did have varied widely- some monarchs were little more than figureheads, others were able to centralize enough power on themselves to dictate the majority of state business- and that balance could shift back and forth over a single generation, or even a single reign depending on the competence of the monarch. 
The royal family usually held power in relation to their monarch, but also at the monarch’s discretion. The more power a monarch had, the more likely they were to delegate it to trusted family members in order to aid with the administration of the realm. This was in both official and unofficial capacities: princes were often required to do military service as a right of passage, and to act as diplomats or officials, and princesses (especially those married into foreign powers) were often used as spies for their home state, or played roles in managing court affairs and business on behalf of the ruler.
Beneath the monarch and their family you get the noble aristocracy, and I could write a whole separate essay just on the delineations and strata within this group, but suffice to say the aristocracy covers individuals and families with a wide range of power and wealth. Again, starting from that country lord whose power and wealth in the grand scheme of things is not much bigger than his peasants, all the way to people as powerful, or sometimes more powerful, than the monarch. 
Nobles in a feudal system ruled over sections of land (the size and quality usually related sharply to their power) setting taxes, enforcing laws, providing protection to the peasants, hearing petitions, etc. within their domains. These nobles were sometimes independent, but more often would swear fealty to more powerful nobles (or monarchs) in exchange for greater protection and membership in a nation state. Doing so meant agreeing to pay taxes, obey (and enforce) the laws of the kingdom, and to provide soldiers to their liege in the event of war. The amount of actual power and autonomy nobles had varied pretty widely, and the general rule of thumb is that the more powerful the monarch is, the less power and autonomy the nobles have, and vice versa. Nobles generally were expected to be well educated (or at least to be able to pretend they were) and usually provided the pool from which important government officials were drawn–generals, council members, envoys, etc–with some kingdoms having laws that prevented anyone not of noble descent from occupying these positions.
Beneath the nobles you get the wealthy financial class–major merchants, bankers, and the heads of large trade guilds. Those Marx referred to generally as the bourgeoisie because they either own means of production or manage capital. In a feudal system this class tended to have a good bit of soft power, since their fortunes could buy them access to circles of the powerful, but very little institutional power, since the accumulation and pursuit of riches, if anything, was seen to have negative moral worth. An underlying presumption of greediness was attached to this class, and with it the sense that they should be kept out of direct power.
That was possible, in part, because there weren't that many means of production to actually own, or that much capital to manage, in a pre-industrial society. Most goods were produced without the aid of equipment that required significant capital investment (a weaver owned their own loom, a blacksmith owned their own tools, etc), and most citizens did not have enough wealth to make use of banking services. This is the class of merchants who owned, but generally didn’t directly operate, multiple trading ships or caravans, guild leaders for craftsfolk who required large scale equipment to do their work (copper and iron foundries for the making of bells, for example), and bankers who mainly served the nobility and other wealthy individuals through the loaning and borrowing of money. This usually (but not always) represented the ceiling of what those not born aristocrats could achieve in society.
After that you get middling merchants, master craftsfolk and specialty artisans, in particular of luxury goods. Merchants in this class usually still directly manage their expeditions and operations, while the craftsfolk and artisans are those with specialty skill sets that can not be easily replicated without a lifetime of training. Master silversmiths, dressmakers, lacquer workers, hairdressers, and clockmakers are all found in this class. How much social clout individuals in this class have usually relates strongly to how much value is placed on their skill or product by their society (think how the Seanchan have an insatiable appetite for lacquer work and how Seanchan nobles make several Ebou Dari lacquer workers very rich) as well as the actual quality of the product. But even an unskilled artisan is still probably comfortable (as Thom says, even a bad clockmaker is still a wealthy man). Apprenticeships, where children are taught these crafts, are thus highly desired by those in lower classes,as it guaranteed at least some level of financial security in life.
Bellow that class you find minor merchants (single ship or wagon types), the owners of small businesses (inns, taverns, millers etc), some educated posts (clerks, scribes, accountants, tutors) and most craftsfolk (blacksmiths, carpenters, bootmakers, etc). These are people who can usually support themselves and their families through their own labor, or who, in the words of Jin Di, ‘work with their hands’. Most of those who occupy this class are found in cities and larger towns, where the flow of trade allows so many non-food producers to congregate and still (mostly) make ends meet. This is why there is only one inn, one miller, one blacksmith (with a single apprentice) in places like Emond’s Field: most smaller villages can not sustain more than a handful of non-food producers. This is also where you start to get the possibility of serious financial instability; in times of chaos it is people at this tier (and below) that are the first to be forced into poverty, flight, or other desperate actions to survive.
Finally, there is the group often collectively called ‘peasants’ (though that term is also sometimes used to mean anyone not noble born). Farmers, manual laborers, peddlers, fishers- anyone who is unlikely to be able to support more than themselves with their labor, and often had to depend on the combined labor of their spouse and families to get by. Servants also generally fit into this tier socially, but it’s important to understand that a servant in say, a palace, is going to be significantly better paid and respected than a maid in a merchant's house. This class is the largest, making up the majority of the population in a given country, and with a majority of its own number being food-producers specifically. Without the aid of the steam engine, most of a country’s populace needs to be producing food, and a great deal of it, in order to remain a functional nation. Most of the population as a result live in smaller spread out agrarian communities, loosely organized around single towns and villages. Since these communities will almost always lack access to certain goods or amenities (Emond’s Field has a bootmaker, but no candlemaker, for example) they depend on smalltime traders, called peddlers, to provide them with everyday things, who might travel from town to town with no more than a single wagon, or even just a large pack.
The only groups lower than peasants on the social hierarchy are beggars, the destitute, and (in societies that practice slavery) slaves. People who can not (or are not allowed to) support themselves, and instead must either eke out a day to day existence from scraps, or must be supported by others. Slaves can perform labor of any kind, but they are regarded legally as a means of production rather than a laborer, and the value is awarded to their owner instead. 
It’s also worth noting that slavery has varied wildly across history in how exactly it was carried out and ran the gamut from the trans-Atlantic chattel slavery to more caste or punitive-based slavery systems where slaves could achieve freedom, social mobility, or even some degree of power within their societies. But those realities (as with servants) had more to do with who their owners were than the slave’s own merit, and the majority of slaves (who are almost always seen as less than a freedman even when they are doing the same work) were performing the same common labor as the ‘peasant’ class, and so viewed as inferior.
Viewing The Wheel of Time Through This Lens
So what does all this have to do with Robert Jordan’s Wheel of Time? A lot actually, especially compared to his contemporaries in fantasy writing. Whereas most fantasy taking place in feudal systems succumbs to the urge to simplify matters (sometimes as far down to their only being two classes, ‘peasant’ and ‘royalty’) Jordan much more closely models real feudalism in his world. 
The majority of the nations we encounter are feudal monarchies, and a majority of each of their populations are agrarian farming communities overseen by a local lord or other official. How large a nation’s other classes are is directly tied to how prosperous the kingdom is, which is strongly connected to how much food and how many goods the kingdom can produce on the available land within it. This in turn, is tightly interdependent on how stable the kingdom is and how effective its government is.
Andor is the prime example: a very large, very prosperous kingdom, which is both self-sufficient in feeding itself via its large swathes of farmland (so much so that they can afford to feed Cairhien through selling their surplus almost certainly at next to no profit) and rich in mineral wealth from mines in the west. It is capable of supporting several fairly large cities even on its outskirts, as well as the very well-developed and cosmopolitan Caemlyn as its capital. This allows Andor to maintain a pretty robust class of educated workers, craftsfolk, artisans, etc, which in turn furthers the realm’s prosperity. At the top of things, the Queen presides over the entire realm with largely centralized power to set laws and taxes. Beneath her are the ‘great houses’–the only Houses in Andor besides the royal house who are strong enough that other nobles ‘follow where they lead’ making them the equivalent of Duchesses and Dukes, with any minor nobles not sworn directly to the Queen being sworn to these ten.
And that ties into something very important about the feudal system and the impact it had on our world and the impact it has on Jordan's. To quote Youtuber Jack Rackham, feudalism is what those in the science biz would call an unstable equilibrium. The monarch and their vassals are constantly in conflict with each other; the vassals desiring more power and autonomy, as the monarch works to centralize power on themselves. In feudalism there isn’t really a state army. Instead the monarch and the nobles all have personal armies, and while the monarch’s might be stronger than anyone else’s army, it’s never going to be stronger than everybody else’s. 
To maintain peace and stability in this situation everyone has to essentially play Game of Thrones (or as Jordan called it years before Martin wrote GoT, Daes Dae’mar) using political maneuvering, alliances, and scheming in order to pursue their goals without the swords coming out, and depending on the relative skill of those involved, this can go on for centuries at a time….or break apart completely over the course of a single bad summer, and plunge the country into civil war.
Cairhien is a great example of this problem. After losing the Aiel War and being left in ruins, the monarch who ultimately secured the throne of Cairhien, Galldrian Riatin, started from a place of profound weakness. He inherited a bankrupt, war torn and starving country, parts of which were still actively on fire at the time. As Thom discusses in the Great Hunt, Galddrian's failure to resettle the farmers displaced by the war left Cairhien dependent on foreign powers to feed the populace (the grain exports from Tear and Andor) and in order to prevent riots in his own capital, Galldrian choose bread and circuses to keep the people pacified rather then trying to substantially improve their situation. Meanwhile, the nobles, with no effective check on them, began to flex their power, seeing how much strength they could take away from each other and the King, further limiting the throne’s options in how to deal with the crisis, and forcing the King to compete with his most powerful vassals in order to just stay on the throne. This state of affairs ultimately resulted, unsurprisingly, in one of Galladrin’s schemes backfiring, him ending up dead, and the country plunging into civil war, every aristocrat fighting to replace him and more concerned with securing their own power then with restoring the country that was now fully plunged into ruin.
When Dyelin is supporting Elayne in the Andoran Succession, it is this outcome (or one very much like it) that she is attempting to prevent. She says as much outright to Elayne in Knife of Dreams–a direct succession is more stable, and should only be prevented in a situation where the Daughter Heir is unfit–through either incompetence or malice–to become Queen. On the flip side, Arymilla and her lot are trying to push their own agendas, using the war as an excuse to further enrich their Houses or empower themselves and their allies. Rhavin’s machinations had very neatly destabilized Andor, emboldening nobles such as Arymilla (who normally would never dream of putting forward a serious claim for the throne) by making them believe Morgase and Trakand were weak and thus easy to take advantage of. 
We also see this conflict crop up as a central reason Murandy and Altara are in their current state as well. Both are countries where their noble classes have almost complete autonomy, and the monarch is a figurehead without significantly more power than their vassals (Tylin can only keep order in Ebou Dar and its immediate surrounding area, and from what she says her father started with an even worse deal,with parts of the capital more under the control of his vassals than him). Their main unifying force is that they wish to avoid invasion and domination by another larger power (Andor for Murandy, Illian and Amadica for Altara) and the threat of that is the only thing capable of bringing either country into anything close to unity.
Meanwhile a lack of centralization has its trade offs; people enjoy more relative freedoms and social mobility (both depend heavily on trade, which means more wealth flowing into their countries but not necessarily accumulating at the top, due to the lack of stability), and Altara specifically has a very robust ‘middle class’ (or as near as you can get pre-industrialization) of middling to minor merchants, business and craftsfolk, etc. Mat’s time in Ebou Dar (and his friendship with Satelle Anan) gets into a lot of this. Think of the many many guilds that call Altara home, and how the husband of an inn owner can do a successful enough business fishing that he comes to own several crafts by his own merit. 
On the flip side both countries have problems with violence and lawlessness due to the lack of any enforced uniformity in terms of justice. You might ride a day and end up in land ruled by a Lord or Lady with a completely different idea of what constitutes, say, a capital offense, than the Lord or Lady you were under yesterday. This is also probably why Altara has such an ingrained culture of duels to resolve disputes, among both nobles and common folk. Why appeal to a higher authority when that authority can barely keep the streets clean? Instead you and the person you are in conflict with, on anything from the last cup of wine to who cheated who in a business deal, can just settle it with your knives and not have to bother with a hearing or a petition. It’s not like you could trust it anyways; as Mat informs us, most of the magistrates in Altara do the bidding of whoever is paying their bribes.
But neither Altara nor Murandy represents the extreme of how much power and autonomy nobles can manage to wrangle for themselves. That honor goes to Tear, where the nobles have done away with the monarch entirely to instead establish what amounts to an aristocratic confederacy. Their ruling council (The High Lords of Tear) share power roughly equally among themselves, and rule via compromise and consensus. This approach also has its tradeoffs: unlike Murandy and Altara, Tear is still able to effectively administer the realm and create uniformity even without a monarch, and they are able to be remarkably flexible in terms of their politics and foreign policy, maintaining trade relationships even with bitter enemies like Tar Valon or Illian.  On the flipside, the interests of individual nobles are able to shape policy and law to a much greater extent, with no monarch to play arbiter or hold them accountable. This is the source of many of the social problems in Tear: a higher sense of justice, good, or even just plain fairness all take a back seat to the whims and interest of nobles. Tear is the only country where Jordan goes out of his way, repeatedly, to point out wealth inequality and injustice. They are present in other countries, but Jordan drives home that it is much worse in Tear, and much more obscene. 
This is at least in part because there is no one to serve as a check to the nobles, not even each other. A monarch is (at least in theory) beholden to the country as a whole, but each High Lord is beholden only to their specific people, house and interests, and there is no force present that can even attempt to keep the ambitions and desires of the High Lords from dictating everything. So while Satelle Anan's husband can work his way up from a single fishing boat to the owner of multiple vessels, most fisherman and farmers in Tear scrape by on subsistence, as taxes are used to siphon off their wealth and enrich the High Lords. While in Andor ‘even the Queen most obey the law she makes or there is no law’ (to quote Morgase), Tairen Lords can commit murder, rape, or theft without any expectation of consequences, because the law dosen’t treat those acts as crimes when done to their ‘lessers’, and any chance someone might get their own justice back (as they would in Altara) is quashed, since the common folk are not even allowed to own weapons in Tear. As we’re told in the Dragon Reborn, when an innkeeper is troubled by a Lord cheating at dice in the common room, the Civil Watch will do nothing about it and citizens in Tear are banned from owning weapons so there is nothing he can do about it. The best that can be hoped for is that he will ‘get bored and go away’.
On the opposite end, you have the very very centralized Seanchan Empire as a counter example to Tear, so centralized it’s almost (though not quite) managed to transcend feudalism. In Seanchan the aristocratic class has largely been neutered by the monarchy, their ambitions and plots kept in check by a secret police (the Seekers of Truth) and their private armies dwarfed by a state army that is rigorously kept and maintained. It’s likely that the levies of the noble houses, if they all united together, would still be enough to topple the Empress, but the Crystal Throne expends a great deal of effort to ensure that doesn't happen,playing the nobles against each other and taking advantage of natural divisions in order to keep them from uniting.
Again, this has pros and cons. The Seanchan Empire is unquestionably prosperous; able to support a ridiculous food surplus and the accompanying flow of wealth throughout its society, and it has a level of equity in its legal administration that we don’t see anywhere else in Randland. Mat spots the heads of at least two Seanchan nobles decorating the gates over Ebou Dar when he enters, their crimes being rape and theft, which is a far cry from the consequence-free lives of the Tairen nobles. Meanwhile a vast state-sponsored bureaucracy works to oversee the distribution of resources and effective governance in the Empress’s name. No one, Tuon tells us proudly, has to beg or go hungry in the Empire. But that is not without cost. 
Because for all its prosperity, Seanchan society is also incredibly rigid and controlling. One of the guiding philosophies of the Seanchan is ‘the pattern has a place for everything and everything’s place should be obvious on sight’. The classes are more distinct and more regimented than anywhere else we see in Randland. The freedoms and rights of everyone from High Lords to common folk are curtailed–and what you can say or do is sharply limited by both social convention and law. The Throne (and its proxies) are also permitted to deprive you of those rights on nothing more than suspicion. To paraphrase Egeanin from TSR: Disobeying a Seeker (and presumably any other proxy of the Empress) is a crime. Flight from a Seeker is a crime. Failure to cooperate fully with a Seeker is a crime. A Seeker could order a suspected criminal to go fetch the rope for their own binding, and the suspected criminal would be expected to do it–and likely would because failure to do anything else would make them a criminal anyway, whatever their guilt or innocence in any other matter.
Meanwhile that food surplus and the resulting wealth of the Empire is built on its imperialism and its caste-based slavery system, and both of those are inherently unsustainable engines. What social mobility there is, is tied to the Empire’s constant cycle of expand, consolidate, assimilate, repeat–Egeanin raises that very point early on, that the Corenne would mean ‘new names given and the chance to rise high’. But that cycle also creates an endless slew of problems and burning resentments, as conquered populations resist assimilation, the resistance explodes into violence that the Seanchan must constantly deal with–the ‘near constant rebellions since the Conquest finished’ that Mat mentions when musing on how the Seanchan army has stayed sharp.
The Seanchan also practice a form of punitive and caste-based slavery for non-channelers, and chattel slavery for channelers. As with the real-life Ottoman Empire, some da’covale enjoy incredible power and privilege in their society, but they (the Deathwatch Guard, the so’jhin, the Seekers) are the exception, not the rule. The majority of the slaves we encounter are nameless servants, laborers, or damane. While non-channelers have some enshrined legal protections in how they can be treated by their masters and society as a whole, we are told that emancipation is incredibly rare, and the slave status is inherited from parent to child as well as used as a legal punishment–which of course would have the natural effect of discouraging most da’covale from reproducing by choice until after (or if) they are emancipated–so the primary source for most of the laborers and servants in Seanchan society is going to be either people who are being punished or who choose to sell themselves into slavery rather then beg or face other desperate circumstances. 
This keeps the enslaved population in proportion with the rest of society only because of the Empire’s imperialism- that same cycle of expand, consolidate, assimilate, repeat, has the side effect of breeding instability, which breeds desperation and thus provides a wide pool to draw on of both those willing to go into slavery to avoid starvation, and those who are being punished with slavery for wronging the state in some manner. It’s likely the only reason the Empire’s production can keep pace with its constant war efforts: conquered nations (and subdued rebellions) eventually yield up not just the necessary resources, but also the necessary laborers to cultivate them in the name of the state, and if that engine stalls for any sustained length of time (like say a three hundred year peace enforced by a treaty), it would mean a labor collapse the likes of which the Empire has never seen before.
A note on damane here: the damane system is undoubtedly one of chattel slavery, where human beings are deprived of basic rights and person hood under the law for the enrichment of those that claim ownership over them. Like in real life this state of affairs is maintained by a set of ingrained cultural prejudices, carefully constructed lies, and simple ignorance of the truly horrific state of affairs that the masses enjoy. The longevity of channelers insulates the damane from some of the problems of how slavery can be unsustainable, but in the long run it also suffers from the same structural problem: when the endless expansion stops, so too will the flow of new damane, and the resulting cratering of power the Empire will face will put it in jeopardy like nothing has before. There is also the problem that, as with real life chattel slavery, if any one piece of the combination of ignorance, lies, and prejudice starts to fall apart, an abolition movement becomes inevitable–and several characters are setting the stage for just that via the careful spreading of the truth about the sul’dam. Even if the Seanchan successfully put down an abolition movement, doing so will profoundly weaken them in a way that will necessitate fundamental transformation, or ensure collapse.
How Jordan Depicts The Relationships Between Classes
As someone who is very conscious in how he depicts class in his works, it makes sense that Jordan frequently focuses on characters interacting through the barriers of their various classes in different ways. New Spring in particular is a gold mine for this kind of insight.
Take, for example, Moiraine and Siuan’s visit to the master seamstress. A lesser writer would not think more deeply on the matter than ‘Moiraine is nobly born so obviously she’s going to be snobby and demanding, while down-to-earth Siuan is likely to be build a natural rapport and have better relationship her fellow commoner, the seamstress Tamore Alkohima’. But Jordan correctly writes it as the reverse: Tamore Alkohima might not be nobly born, but she is not really a peasant either–rather she belongs to that class of speciality artisans, who via the value placed on her labor and skill, is able to live quite comfortably. Moiraine is much more adept at maneuvering this kind of possibly fraught relationship than Siuan is. Yes, she is at the top of the social structure (all the more so since becoming Aes Sedai) but that does not release her from a need to observe formalities and courtesies with someone who, afterall, is doing something for Moiraine that she can not do for herself, even with the Power. If Moiraine wants the services of a master dressmaker, the finest in Tar Valon, she must show respect for both Tamore Alkohima and her craft, which means submitting to her artistic decisions, as well as paying whatever price, without complaint.
Siuan, who comes from the poor Maule district in Tear, is not used to navigating this kind of situation. Most of those she has dealt with before coming to the Tower were either her equals or only slightly above her in terms of class. She tries to treat Tamore Alkohima initially like she most likely treated vendors in the Maule where everyone is concerned with price, since so many are constantly on the edge of poverty, and she wants to know exactly what she is buying and have complete say over the final product, which is the practical mentality of someone to whom those factors had a huge impact on her survival. Coin wasted on fish a day from going bad, or netting that isn’t the right kind, might have meant the difference between eating that week or not, for a young Siuan and her father. 
Yet this this reads as an insult to Tamore Alkohima, who takes it as being treated with mockery, and leads to Moiraine needing to step in to try and smooth things over, and explain to Siuan-
“Listen to me, Siuan and do not argue.” she whispered in a rush. “We must not keep Tamore waiting long. Do not ask after prices: she will tell us after we make our selections. Nothing you buy here will be cheap, but the dresses Tamore sews for you will make you look Aes Sedai as much as the shawl does. And it is Tamore, not Mistress Alkohima. You must observe the properties or she will believe you are mocking her. But try thinking of her as a sister who stands just a little above you. A touch of deference is necessary. Just a touch, but she will tell you what to wear as much as she asks.” “And will the bloody shoe maker tell us what kind of slippers to buy and charge us enough to buy fifty new sets of nets?” “No.” Moiraine said impatiently. Tamore was only arching one eyebrow but her face may as well have been a thunderhead. The meaning of that eyebrow was clear as the finest crystal. They had already made the seamstress wait too long, and there was going to be a price for it. And that scowl! She hurried on, whispering as fast as she could. “The shoemaker will make us what we want and we will bargain the price with him, but not too hard if we want his best work. The same with the glovemaker, the stockingmaker, the shiftmaker, and all the rest. Just be glad neither of us needs a hairdresser. The best hairdressers are true tyrants, and nearly as bad as perfumers.”
-New Spring, Chapter 13: Business in the City.
Navigating the relationship between characters of a different class is something a of a running theme throughout New Spring–from Moiraine’s dealing with the discretion of her banker (‘Another woman who knew well her place in the world’ as Moiraine puts it), to having to meet with peasants during her search for the Dragon Reborn (and bungling several of those interactions), to wading through the roughest criminal parts of Chachin in search of an inn, and frequently needing to resort to the Power to avoid or resolve conflict. Moiraine’s ability to handle these situations is tightly tied to her experience with the people involved prior to her time as a Novice, but all hold up and give color to the class system Jordan presents. It also serves as set up so that when Moraine breaks the properties with a different seamstress near the end of the book, it can be a sign of the rising tension and the complex machinations she and Siuan find themselves in.
Notably, Moiraine and Siuan’s relative skill with working with people is strongly related to their backgrounds: the more Moiraine encounters people outside her lived experience as a noble daughter in Cairhien, the more she struggles to navigate those situations while Siuan is much more effective at dealing with the soldiers during the name-taking sequence (who are drawn mostly from the same class as her–common laborers, farmers, etc), and the people in Chachin, where she secures an lodging and local contacts to help in the search with relative ease.
Trying to navigate these waters is also something that frequently trips up characters in the main series as well, especially with the Two Rivers folk who are, ultimately, from a relatively classless society that does not subscribe to feudal norms (more on that below). All of them react to both moving through a society that does follow those norms, and later, being incorporated into its power structures in different, frequently disastrous ways.
Rand, who is not used to the complicated balance between vassal and monarch (which is all the more complicated as he is constantly adding more and more realms under his banner) finds imposing his will and leading the aristocrats who swear fealty to him incredibly difficult. While his reforms are undoubtedly good for the common folk and the general welfare of the nations he takes over, he is most often left to enforce them with threats and violence, which ultimately fuel resistance, rebellion, and more opposition to him throughout the nations he rules, and has down-the-line bad ripple effects on how he treats others, both noble and not, who disagree with him. 
Rand also struggles even with those who sincerely wish to serve and aid him in this context: he is awkward with servants, distant with the soldiers and warriors who swear their lives to him, and even struggles with many of his advisors and allies. Part of that is distrust that plagues him in general, but a big element to it is also his own outsider perspective. The Aiel frequently complain that Rand tries to lead them like a King, but that’s because they assume a wetlander King always leads by edict and command. Yet Rand’s efforts to do that with the Westland nations he takes over almost always backfire or have lasting consequences. Rand is frequently trying to frequently play act at what he thinks a King is and does–and when he succeeds it’s almost always a result of Moiraine or Elayne’s advice on the subject, not his own instincts or preconceptions.
Perrin, meanwhile, is unable to hide his contempt for aristocracy and those that willingly follow them, which leads to him both being frequently derelict in his duties as a Lord, and not treating his followers with a great deal of respect. Nynaeve has a similar problem, where she often tries to ‘instill backbone’ into those lower in the class system then her, then comes to regret it when that backbone ends up turned on her, and her leadership rejected or her position disrespected by those she had encouraged to reject leadership or not show respect to people in higher positions.
Interestingly, it’s Mat that most effectively manages to navigate various inter-class relationships, and who via the Band of the Red Hand builds a pretty equitable, merit-based army. He does this by following a simple rule: treating people how they wish to be treated. He accepts deference when it’s offered, but never demands it. He pushes back on the notion he’s a Lord often, but only makes it a serious bone with people who hold the aristocracy in contempt. He’s earnest in his dealings, fair minded, and good at reading social situations to adapt to how folks expect him to act, and when he breaches those expectations it’s usually a deliberate tactical choice. 
This lets him maintain strong friendships with people of all backgrounds and classes– from Princes like Beslan to horse thieves like Chel Vanin. More importantly, it makes everyone under his command feel included, respected, and valued for what they are. Mat has Strong Ideas About Class (and about most things really), but he’s the only Two Rivers character who doesn't seem to be working from an assumption that everyone else ought to live by his ideals. He thinks anyone that buys into the feudal system is mad, but he doesn't actually let that impact how he treats anyone–probably from the knowledge that they think he’s just as mad.
Getting Creative With the Structure
The other thing I want to dig into is the ways in which Jordan, via his understanding of the feudal system, is able to play with it in creative and interesting ways that match his world. Succession is the big one; who rules after the current monarch dies is a massively important matter since it determines the flow of power in a country from one leader to the next. The reason so many European monarchies had primogeniture (eldest child inherits all titles) succession is not because everyone just hated second children, it’s because primogeniture is remarkably stable. Being able to point to the eldest child of the monarch and say them, that one, and their younger sibling if they're not around, and so on is very good for the transition of power, since it establishes a framework that is both easy to understand and very very hard to subvert. Pretty much the only way, historically, to subvert a primogeniture succession is for either the heir’s blood relationship to the monarch or the legitimacy of their parent’s marriage to be called into question.
And yet despite that, few of the countries in Jordan's world actually use primogeniture succession. Andor does, as do some of the Borderlands, but the majority of  monarchies in Randland use elective succession, where the monarch is elected from among the aristocratic class by some kind of deliberative body. This is the way things are in Tarabon, Arad Doman,Ghealdan, Illian, and Malkier, who all elect the monarchs (or diarchs in the case of Tarabon- where two rulers, the Panarch and the King, share power) via either special council or some other assembly of aristocrats. 
There are three countries where we don’t know the succession type (Arafel, Murandy, and Amadicia) but also one we know for sure doesn't use primogeniture succession: Cairhien. We know this because Moiraine’s claim to the Sun Throne as a member of House Damodred is seen as as legitimate enough for the White Tower to view putting her on the Sun Throne as a viable possibility, despite the fact that she has two older sisters whose claims would be considered superior to her own under primogeniture succession. We never find out for sure in the books what the succession law actually is (the country never stabilizes for a long enough period that it becomes important), but if I had to guess I would guess that it’s designated,where the monarch chooses their successor prior to their death, and that the civil war that followed the Aiel War was the result of both Laman and his designated heir(s) dying at the Bloodsnows (we are told by Moiraine that Laman and both his brothers are killed; likely one of them was the next in line).
One country that we know for sure uses designated succession is Seanchan, where the prospective heir is still chosen from among the children of the Empress, but they are made to compete with each other (usually via murder and plotting) for the monarch’s favor, the ‘best’ being then chosen to become the heir. This very closely models how the Ottoman Empire did succession (state sanctioned fratricide) and while it has the potential to ensure competence (by certain metrics, anyways) it also sows the seeds of potential instability by ensuring that the monarch is surrounded by a whole lot of people with bad will to them and feelings of being cheated or snubbed in the succession, or else out for vengeance for their favored and felled candidate. Of course, from the Seanchan’s point of view this is a feature not a bug: if you can’t win a civil war or prevent yourself from being assassinated, then you shouldn’t have the throne anyways.
Succession is far from the only way that Jordan plays with the feudal structure either. Population is something else that is very present in the world building, even though it’s only drawn attention to a handful of times. In our world, the global population steadily and consistently rose throughout the middle ages and the Renaissance (with only small dips for things like the plague and the Mongol Invasion), then exploded with the Industrial Revolution and has seen been on a meteoric climb year over year (something that may just now be stabilizing into an equilibrium again, only time will tell). This is one of the pressures that led to the collapse of feudalism in the real world, as a growing aristocratic class was confronted with finite land and titles, while at the same time the growing (and increasingly powerful) wealthy financial class of various countries were beginning to challenge the traditions and laws that kept them out of direct power. If you’ve ever read a Jane Austen novel (or really anything from the Georgian/Regency/Victorian eras) this tension is on display. The aristocratic class had never been as secure as people think, but the potential to fall into poverty and ruin had never been a greater threat, which had ripple effects for the stability of a nation, and in particular a monarch who derived much of their power from the fealty of their now-destabilized vassals.
In Jordan’s world however, we are told as early as The Great Hunt that the global population is steadily falling, and has been since the Hundred Years’ War (at least). No kingdom is able to actually control all the territory it has on a map, the size of armies have in particular shrunk consistently (to the point where it’s repeatedly commented on that the armies Rand puts together, some of no more than a few thousand, are larger than any ‘since Artur Hawkwing's day’), large swathes of land lay ungoverned and even more uninhabited or settled. Entire kingdoms have collapsed due to the inability of their increasingly small populations to hold together. This is the fate of many of the kingdoms Ingtar talks about in the Great Hunt: Almoth, Gabon, Hardan, Moredo, Caralain, to name just a few. They came apart due to a combination of ineffective leadership, low population, and a lack of strong neighbors willing or able to extend their power and stability over the area.
All of this means that there is actually more land than there are aristocrats to govern it; so much so that in places like Baerlon power is held by a crown-appointed governor because no noble house has been able to effectively entrench in the area. This has several interesting effects on the society and politics of Randland: people in general are far more aware of the fragility of the nation state as a idea then they would be otherwise, and institutions (even the intractable and mysterious White Tower) are not viewed by even their biggest partisans as invulnerable or perpetual. Even the most powerful leaders are aware, gazing out constantly, as they do, at the ruins of the hundreds of kingdoms that have risen and fallen since the Breaking of the World (itself nothing more, to their understanding, then the death of the ultimate kingdom) that there are no guarantees, no promises that it all won’t fall apart. 
This conflict reflects on different characters in different ways, drawing out selfishness and cowardice from some, courage and strength from others. This is a factor in Andor’s surprisingly egalitarian social climate: Elayne and Morgase both boast that Andorans are able to speak their minds freely to their leaders about the state of things, and be listened to, and even the most selfish of leaders like Elenia Sarand are painfully aware that they stand on a tower built from ‘the bricks of the common folk’, and make a concentrated effort to ensure their followers feel included and heard. Conversely it also reflects on the extremely regimented culture of the Borderlands, were dereliction of duty can mean not just the loss of your life, but the loss of a village, a town, a city, to Trolloc raids (another pressure likely responsible for slow and steady decline of the global population). 
The Borderlanders value duty, honor, and responsibility above all else, because those are the cornerstones holding their various nations together against both the march of time and the Blight. All classes place a high value on the social contract; the idea that everyone must fulfill their duty to keep society safe is a lot less abstract when the stakes are made obvious every winter through monsters raiding your towns. This is most obvious in both Hurin and Ingtar’s behavior throughout The Great Hunt: Hurin (and the rest of the non-noble class) lean on the assurance that the noble class will be responsible for the greater scale problems and issues in order to endure otherwise unendurable realities, and that Rand, Ingtar, Aglemar, Lan (all of whom he believes to be nobly born) have been raised with the necessary training and tools to take charge and lead others through impossible situations and are giving over their entire lives in service to the people. In exchange Hurin pays in respect, obedience, and (presumably) taxes. This frees Hurin up to focus on the things that are decidedly within his ken: tracking, thief taking, sword breaking, etc, trusting that Ingtar, and later Rand, will take care of everything else.
When Hurin comes up against the feudal system in Cairhien, where the failures of everyone involved have lead to a culture of endless backstabbing and scheming, forced deference, entitlement, and mutual contempt between the parties, he at first attempts to show the Cairhienin ‘proper’ behavior through example, in the hopes of drawing out some shame in them. But upon realizing that no one in Cairhien truly believes in the system any longer after it has failed the country so thoroughly (hence the willingness of vassals to betray their masters, and nobles to abandon their oaths–something unthinkable in the Borderlands) he reverts to his more normal shows of deference to Rand and Ingtar, abandoning excessive courtesy in favor of true fealty.
Ingtar (and later Rand) feel the reverse side of this: the pressure to be the one with the answers, to hold it all together, to be as much icon and object as living person, a figure who people can believe in and draw strength from when they have none of their own remaining, and knowing at the same time that their choices will decide the fates and lives of others. It’s no mistake that Rand first meets Hurin and begins this arc in the remains of Hardan, one of those swept-away nations that Ingtar talks about having been left nothing more than ‘the greatest stone quarry for a hundred miles’. The stakes of what can happen if they fail in this duty are made painfully clear from the start, and for Rand the stakes will only grow ever higher throughout the course of the series, as number of those ‘under his charge’ slides to become ‘a nation’ then ‘several nations’ and finally ‘all the world’. And that leads into one of the problems at the heart of Rand’s character arc.
This emphasis on the feudal contract and duty helps the Borderlands survive the impossible, but almost all of them (with the exception of Saldaea) practice cultures of emotional repression and control,spurning displays of emotion as a lack of self-control, and viewing it as weakness to address the pains and psychological traumas of their day to day lives. ‘Duty is heavier than a mountain, death lighter than a feather’, ‘There will be time to sleep when you’re dead’, ‘You can care for the living or mourn the dead, you cannot do both’: all common sayings in the Borderlands. On the one hand, all of these emphasize the importance of fulfilling your duty and obligations…but on the other, all also  implicitly imply the only true release from the sorrows and wounds taken in the course of that duty is death. It is this, in part, that breaks Ingtar: the belief that only the Borderlands truly understand the existential threat, and that he and those like him are suffering and dying for ‘soft southlanders’ whose kingdoms are destined to go to ruin anyways. It’s also why he reveals his suffering to Rand only after he has decided to die in a last stand–he is putting down the mountain of his trauma at last. This is also one of those moments in the books that is a particular building block on the road to Rand’s own problems with not expressing his feelings or being willing to work through his trauma, that will swing back around to endanger the same world he is duty-bound to protect.
I also suspect strongly that this is the source of the otherwise baffling Saldean practice of….what we will call dedicated emotional release. One of the core cultural Saldean traits (and something that is constantly tripping up Perrin in his interactions with Faile) is that Saldeans are the only Borderlanders to reject the notion that showing emotion is weakness. In fact, Saldeans in general believe that shows of anger, passion, sorrow, ardor–you name it–are a sign of both strength and respect. Your feelings are strong and they matter, and being willing to inflict them on another person is not a burden or a betrayal of duty, it’s knowing that they will be strong enough to bear whatever you are feeling. I would hesitate to call even the Saldaens well-adjusted (I don’t know that there is a way to be well-adjusted in a society at constant war), but I do think there is merit to their apparent belief in catharsis, and their resistance to emotional repression as a sign of strength. Of course, that doesn't make their culture naturally better at communication (as Faile and Perrin’s relationship problems prove) but I do think it plays a part in why Bashere is such a good influence on Rand, helping push him away from a lot of the stoic restraint Rand has internalized from Lan, Ingtar, Moiraine, et al.
It also demonstrates that a functioning feudal society is not dependent on absolute emotional repression, or perfect obedience.  Only mutual respect and trust between the parties are necessary–trust that the noble (or monarch) will do their best in the execution of their duties, and trust that the common folk in society will in turn fulfill their roles to the best of their ability. Faile’s effectiveness as Perrin’s co-leader/second in command is never hindered or even implied to be hindered by her temperament or her refusal to hide/repress her emotions. She is arguably the one who is doing most of the actual work of governing the Two Rivers after she and Perrin are acclaimed their lord and lady: seeing to public works projects, settling disputes, maintaining relationships with various official groups of their subjects.
The prologue from Lord of Chaos (a favorite scene of mine of the books) where Faile is holding public audience while Perrin is off sulking ‘again’ is a great great example of this; Faile is the quintessential Borderland noble heir, raised all her life in the skills necessary to run a feudal domain, and those skills are on prime display as she holds court. But that is not hindered by her willingness to show her true feelings, from contempt of those she thinks are wasting her time, to compassion and empathy to the Wisdoms who come to her for reassurance about the weather. This is one of those things that Perrin has to learn from her over the course of the series–that simply burying his emotions for fear they might hurt others is not a healthy way to go about life, and it isn’t necessary to rule or lead either. His prejudices about what constitutes a ‘good’ Lord (Lan, Agelmar, Ingtar) and a ‘bad’ one (literally everyone else) are blinding him, showing his lack of understanding of the system that his people are adopting, and his role in it.
Which is a nice dovetail with my next bit–
Outsiders And the Non-Feudal State
Another way Jordan effectively depicts the Feudal system is by having groups who decidedly do not practice it be prominent throughout the series–which is again accurate to real life history, where feudalism was the mode of government for much of (but by no means all) of Medieval and Renaissance Europe, but even in Europe their were always societies doing their own thing, and outside of it, different systems of government flourished in response to their environments and cultures; some with parallels to Feudalism, many completely distinct.
The obvious here are the Aiel who draw on several different non-feudal societies (the Scottish Highland Clans, the Iroquois Confederation, the Mongols, and the Zulu to name just a few) and the Seafolk (whose are a combination of the Maori and the Republic of Piracy of all things), but also firmly in these categories are groups like the communities in the Black Hills, Almoth Plain, and the Two Rivers.
Even though it’s an agrarian farming community made up primarily of small villages, the Two Rivers is not a feudal state or system. We tend to forget this because it looks a lot like our notion of a classic medieval European village, which our biases inherently equate to feudal, but Jordan is very good at remembering this is not the case, and that the Two Rivers folk are just as much outsiders to these systems as the Aiel, or the Seafolk. 
Consider how often the refrain of ‘don’t even know they’re part of the Kingdom of Andor’ is repeated in regards to the Two Rivers, and how much the knowledge of Our Heroes about how things like Kingdoms, courts, war, etc, are little more than fairy tales to the likes of those Two Rivers, while even places unaffected directly by things like the Trakand Succession or the Aiel War are still strongly culturally, economically, and politically impacted. 
Instead of deriving power and justice from a noble or even a code of law, power is maintained by two distinct groups of village elders (The Village Council and the Women’s Circle) who are awarded seats based on their standing within the community. These groups provide the day-to-day ordering of business and resolving of conflicts, aiding those in need and doing what they can for problems that impact the entire community. The Wisdom serves as the community physician, spiritual advisor, and judge (in a role that resembles what we know of pre-Christian celtic druids), and the Women’s Circle manages most social ceremonies from marriages to betrothals to funerals, as well as presiding over criminal trials (insofar as they even have them). The Mayor manages the village economics, maintaining relationships and arbitrating deals with outsider merchants and peddlers, collecting and spending public funds (through a volunteer collection when necessary, which is how we’re told the new sick house was built and presumably was how the village paid for things like fireworks and gleeman for public festivals), while the Council oversees civil matters like property disputes. 
On the surface this seems like an ideal community: idyllic, agrarian, decentralized, where everyone cares more about good food and good company and good harvests than matters of power, politics, or wealth, and without the need for any broader power-structure beyond the local town leaders. It’s the kind of place that luddites Tolkien and Thomas Jefferson envisioned as a utopia (and indeed the Two Rivers it the most Tolkien-y place in Randland after the Ogier stedding, of which we see relatively little), but I think Jordan does an excellent job of not romanticizing this way of life the way Tolkien often did. Because while the Two Rivers has many virtues and a great deal to recommend it, it also has many flaws.
The people in the Two Rivers are largely narrow minded and bigoted, especially to outsiders; The day after Moiraine saves the lives of the entire village from a Trolloc attack, a mob turns up to try and burn her out, driven by their own xenophobia and fear of that which they don’t understand. Their society is also heavily repressed and regressive in its sex norms and gender relations: the personal lives of everyone are considered public business, and anyone living in a fashion the Women’s Circle deems unsuitable (such as widower and single father Tam al’Thor) is subject to intense pressure to ‘correct’ their ways (remarry and find a mother for Rand). There is also no uniformity in terms of law or government, no codified legal code, and no real public infrastructure (largely the result of the region’s lack of taxes). This is made possible by the geographic isolation and food stability–two factors that insulate the Two Rivers from many of the problems that cause the formation or joining of a nation state. It’s only after the repeated emergence of problems that their existing systems can not handle (Trolloc raids, martial law under the White Cloaks, the Endless Summer, etc) that the Two Rivers folk begin adopting feudalism, and even then it’s not an instantaneous process, as everyone involved must navigate not just how they are going to adopt this alien form of government, but how they are going to make it match to their culture and history as well.
This plays neatly with the societies that, very pointedly, do not adopt feudalism over the course of the series. The Aiel reject the notion entirely, thinking it as barbaric and backward as the Westerlanders think their culture is–and Jordan is very good at showing neither as really right. The Aiel as a society have many strengths the fandom likes to focus on (a commitment to community care, a strong sense of collective responsibility, a flexible social order that is more capable of accounting for non-traditional platonic and romantic relationships, as well as a general lack of repressive sex norms) but this comes at a serious cost as well. The Aiel broadly share the Borderlander’s response of emotional suppression as a way of dealing with the violence of their daily life, as well as serious problems with institutionalized violence, xenophobia, and a lack of respect for individual rights and agency. Of these, the xenophobia is probably the most outright destructive, and is one of the major factors Rand has to account for when leading the Aiel into Cairhien, as well a huge motivating factor in the Shaido going renegade, and many Aiel breaking clan to join them–and even before Rand’s arrival it manifested as killing all outsiders who entered their land, except for Cairhienin, whom they sold as slaves in Shara.
And yet, despite these problems Jordan never really suggests that the Aiel would be better off as town-or-castle dwelling society, and several characters (most notably the Maidens) explicitly reject the idea that they should abandon their culture, values, and history as a response to the revelations at Rhuidean. Charting a unique course forward for the Aiel is one of the most persistent problems that weighs on the Wise Ones throughout the second half of the series, and Aviendha in particular. Unlike many of the feudal states faced with Tarmon Gai’don, the Aiel when confronted with the end of days and the sure knowledge of the destruction of their way of life are mostly disinterested in ignoring, running from, or rejecting that revelation (those that do, defect to the Shaido). Their unique government and cultural structure gives them the necessary flexibility to pivot quickly to facing the reality of the Last Battle, and to focus on both helping the world defeat the Shadow, and what will become of them afterwards. This ironically, leaves them in one of the best positions post-series, as the keepers of the Dragon’s Peace, which will allow them to hold on to many of their core cultural values even as they make the transition to a new way of life, without having to succumb to the pressures to either assimilate into Westlands, or return to their xenophobic isolationism.
The Seafolk provide the other contrast, being a maritime society where the majority of the people spend their time shipboard. Their culture is one of strong self-discipline and control, where rank, experience, and rules are valued heavily, agreements are considered the next thing to sacred, and material prosperity is valued. Though we don’t spend quite as much time with them as the Aiel, we get a good sense of their culture throughout the mid-series. They share the Aiel’s contempt for the feudal ‘shorebound’, but don’t share their xenophobia, instead maintaining strong trade relationships with every nation on navigable water, though outside of the context of those trade relationships, they are at best frosty to non-Seafolk. 
They are not society without problems–the implication of their strong anti-corruption and anti-nepotism policies is that it’s a serious issue in their culture, and their lack of a centralized power structure outside of their handful of island homes means that they suffer a similar problem to the likes of Murandy and Altara, where life on one ship might be radically different then life on another, in terms of the justice or treatment you might face, especially as an outsider. But the trade off is that they have more social mobility then basically any other society we see in Randland. Even the Aiel tend to have strongly entrenched and managed circles of power, with little mobility not managed by the Wise Ones or the chiefs. But anyone can rise high in Sea Folk society, to become a leader in their clan, or even Mistress of the Ships or Master of the Blades– and they can fall just as easily, for shows of incompetence, or failures to execute their duties. 
They are also another society who is able to adapt to circumstances of Tamon Gai’don relatively painlessly, having a very effective plan in place to deal with the fallout and realities of the Last Battle. The execution gets tripped up frequently by various factors, but again, I don’t think it’s a mistake that they are one of the groups that comes out the other side of the Last Battle in a strong position, especially given the need that will now exist to move supplies and personnel for rebuilding post-Last Battle. The Seafolk have already begun working out embassies in every nation on navigable water, an important step to modernizing national relationships.
How does all this relate to feudalism and class? It’s Jordan digging into a fundamental truth about the world and people–at no point in our own history have we ever found a truly ‘perfect’ model for society. That’s something he’s constantly trying to show with feudalism–it is neither an ideal nor an abomination, it just is. Conversely, the Two Rivers, Aiel, Seafolk, and Ogier (who I don’t get into to much here for space, but who also have their own big problems with suffrage and independence, and their virtues in terms of environmental stability and social harmony) all exist in largely classes societies, but that doesn't exempt them from having problems or make them a utopia, and it certainly doesn't make them lesser or backwards either–Jordan expends a lot of energy to show them as complex, nuanced and flawed, in the same way he does for his pseudo-Europe.
Conclusion
To restate my premise: one of Jordan’s profound gifts as a writer is his capacity to set aside his own biases and write anything from his villains to his world with an honest, empathetic cast that defies simplification. Feudalism and monarchy more generally have a bad rep in our society, for good reasons. But I think either whitewashing or vilifying the feudal system is a mistake, which Jordan’s writing naturally reflects. Jordan is good at asking complicating questions of simple premises. He presents you with the Kingdom of Andor, prosperous and vast and under the rule of a regal much loved Queen and he asks ‘where does its wealth come from? How does it maintain law and order? How does the Queen exert influence and maintain her rule even in far-flung corners of the realm? How did she come to power in the first place and does that have an impact on the politics surrounding her current reign?’. And he does this with every country, every corner of his world–shining interesting lights on familiar tropes, and exploring the humanity of these grand ideas in a way that feels very real as a result.
The question of, is this an inherently just system is never really raised because it’s a simplifying question, not a complicating one. Whatever you answer–yes or no–does not add to the depiction of these systems or the people within them, it takes away. You make someone flat–be it a glorious just revolutionary opposing a cackling wicked King, or a virtuous and dutiful King suppressing dangerous radical dissidents, and you make the world flatter as a result. 
I often think about how, when I began studying European history, I was shocked to learn that the majority of the royalists who rose up against the Jacobins were provincial peasants, marching against what they perceived to be disgruntled, greedy academic and financial elites. These were, after all, the same people that the Jacobins’ revolution claimed to serve and be doing the will of. Many of the French aristocrats were undeniably corrupt, indolent, and detached from their subjects, but when you look closer at the motives of many of the Jacobins you discover that motives were frequently more complex then history tends to remember or their propaganda tried to claim, and many were bitterly divided against each other on matters of tactics, or ideals, or simple personality difference. The simple version of the French Revolution assigns all the blame to the likes of Robespierre going mad with power, and losing sight of the revolutions’ higher ideals, but the truth was the Jacobins could never properly agree on many of their supposed core ideals, and Robespierre, while powerful, was still one voice in a Republic–and every person executed by guillotine was decreed guilty by a majority vote.
This is the sort of nuance lost so often in fantasy stories, but not in Jordan’s books. The story could be simpler–Morgase could just be a just and good high Queen archetype who is driven by love of her people, but Jordan depicts her from the beginning as human–with virtues and flaws, doing the best she can in the word she has found herself. Trying to be a just and good Queen and often succeeding, and sometimes falling short of the mark. The Tairen and Cairhienin nobility could just all be greedy, corrupt, out-of-touch monsters who cannot care for anything beyond their own pleasures–but for every Laman, Weairamon, or Colavaere, you have Dobraine, Moiraine, or Darlin. And that is one of the core tenets of Jordan’s storytelling: that there is no system wholly without merit or completely without flaw, and no group of people is ever wholly good or evil.
By taking this approach, Jordan’s story feels real. None of his characters or world come across like caricature or parody. The heinous acts are sharper and more distinct, the heroic choices more earned and powerful. Nothing is assumed–not the divine right of kings, or the glorious virtue of the common man. This, combined with a willingness to draw on the real complex histories of our own world, and work through how the unique quirks of fantasy impact them, is what renders The Wheel Of Time such a standout as a fantasy series, past even more classic seminal examples of the genre, and why its themes of class, duty, power, and politics resonate with its modern audiences.
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lethesbeastie · 21 hours
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Hi, I saw your post about practicing drawing fat people and I was wondering if you could compile like a list of resources or references?
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It can be difficult to find resources for drawing the wide variety of forms fat bodies can occupy, so I've done my best to bring together some resources I've been able to prove have some degree of diversity in the references they offer!
My primary resource recommendation for drawing fat people is Morpho Anatomy For Artists: Fat And Skin Folds! It does a wonderful job breaking down where fat accumulates on the body, how it interacts with the familiar landmarks of human anatomy, and what sort of shapes it tends to form under the influence of gravity. It's a phenomenal reference and my top recommendation for anyone seeking to improve at drawing fat people!
When it comes to finding decent photo references for fat people, the pickings are frustratingly slim. Most sites that specialize in pose references either don't have fat models or have all their images behind paywalls. Of the resources I looked through, the best sources for pose references were Adorkastock and Line of Action.
@adorkastock actively seeks to provide an incredible profile of pose references with diverse body types, and as an added bonus you can access a lot of their images for free on their site/Tumblr or join their patreon for early access to images! Line of action is a site aimed towards practicing figure drawing, providing images and a timed function to challenge artists to sketch within a set time limit. I took the time to go through roughly 300+ images and was pleased to find that during my session around two-to-three out of every ten photos were fat models. The only caveats to this was the fact that most of the images were of the same individual, limiting the applications for studying the variants of fat bodies. Still, it's an amazing tool that has a free mode and allows you to filter the types of references you want based on age and level of nudity.
Beyond sites that specialize in art reference photography, there's also the ever popular Pinterest, which is the site where I typically seek references for my personal studies. Due to the nature of Pinterest's extensive collection, there's a vast variety of references for different fat body types that includes a lot more "everyday" people. The primary issue with Pinterest however is the rampant reposting and lack of proper credits for images, which can make things dicey depending on how you wish to use the references you find. For personal studies this isn't really an issue, but for any sort of professional or paid work is something to be aware of just for the sake of accountability.
* For those who are 18+, porn photography of real people also offers an incredible wealth of visual resources for fat bodies and how they interact with gravity/movement/etc. The variety of positions and angles offer many opportunities to study human anatomy, and it's a pretty well-known fact that drawing NSFW art can be an important learning experience for those struggling with drawing anatomy. In the end, it depends on your personal level of comfort with viewing/drawing explicit images, but it's not something you should completely overlook.
Last but not least, look at the work of artists you admire who draw fat people! While I typically recommend sticking to photo references for learning anatomy, studying artist's portrayals of fat people is also incredibly helpful for learning different tactics for simplifying and/or stylizing fat bodies to better fit ones own style. There are also plenty of artists who've crafted tutorials detailing their approach to drawing fat folks, so I highly recommend you check them out as well! I hope the resources I've linked here can help you in your studies, and feel free to drop another ask if you have any more questions! I'm planning on posting a tutorial on how I do studies for fat people soon, so that will be an additional resource for you once I've got it posted!
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snoppy · 1 year
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why is everything so ugly: the curse of modernism / everyone is beautiful and no one is horny / the empty promises of marie kondo and the craze for minimalism
ID given below readmore
[Image ID: five screengrabs of a youtube video by Mina Le, followed by four screenshots of two articles.
in the video Mina is sitting on a couch with a mic in her hand talking to the camera. she says, “Minimal traits, from Apple products to mid-century modern IKEA furniture. Millennials, the current apartment-renting, house-buying market, clearly have aligned themselves with minimalism, maybe in their plight to be more environmentally cautious, or at least to seem like it, or to appear spiritually superior in a pseudo-Buddhist kind of way, but that's another topic. But in general, we like to buy a house that's new, because newness implies that things aren't broken.”
the first two article screenshots are of white text against a black background. it reads, “The house looks real, too. There are toys and magazines scattered around the floor. There are cardboard boxes waiting to be unpacked since the recent move. Framed pictures rest against the wall; the parents haven’t gotten around to mounting them yet. The kitchen counters are cluttered and mealtimes are rambunctious and sloppy, as one expects in a house with three children. They’re building a pool in the backyard, but not for appearances: it’s a place for the kids to swim, for the parents to throw parties, and for the father to reacquaint himself with his love of diving.
At the time, this house represented an aspirational ideal of American affluence.
In her blog McMansion Hell, Kate Wagner examines precisely why these widely-hated 5000-square foot housing bubble behemoths are so awful. Over and over again, she reiterates the point that McMansions are not built to be homes; they’re built to be short-term investments.
Kate writes, “The inside of McMansions are designed in order to cram the most ‘features’ inside for the lowest costs.” These features exist to increase the house’s resale value, not to make it a good place to live. No thought is given to the labor needed to clean and maintain these spaces. The master bathroom includes intricate stone surfaces that can only be scrubbed with a toothbrush; the cathedral ceilings in the living room raise the heating and cooling costs to an exorbitant sum; the chandelier in the grand entryway dangles so high that no one can replace the bulbs in it, even with a stepladder.”
the next article is black text against a white background. it reads, “Little of this feels true today. The percentage of workers who are freelance instead of salaried grows each year. House prices are prohibitive in any place with a strong labour market. Economic inequality is more severe than ever in the modern era. To make matters even worse, the greatest wealth now comes from the accumulation of invisible capital, not physical stuff: startup equity, stock shares and offshore bank accounts opened to avoid taxes. As the French economist Thomas Piketty points out, these immaterial possessions grow in value much faster than salaries do. That is, if you are lucky enough to have a salary in the first place. Meanwhile, crisis follows crisis and mobility now feels safer than being static, another reason that owning less looks more and more attractive.
Apple devices have gradually simplified in appearance over time under designer Jony Ive, who joined the company in 1992, which is why they are so synonymous with minimalism. By 2002, the Apple desktop computer had evolved into a thin, flat screen mounted on an arm connected to a rounded base. Then, into the 2010s, the screen flattened even more and the base vanished until all that was left were two intersecting lines, one with a right angle for the base and another, straight, for the screen. It sometimes seems, as our machines become infinitely thinner and wider, that we will eventually control them by thought alone, because touch would be too dirty, too analogue.”
/end ID]
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annajade456 · 8 months
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Breaking Barriers With DevOps: A Digital Transformation Journey
In today's rapidly evolving technological landscape, the term "DevOps" has become ingrained. But what does it truly entail, and why is it of paramount importance within the realms of software development and IT operations? In this comprehensive guide, we will embark on a journey to delve deeper into the principles, practices, and substantial advantages that DevOps brings to the table.
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Understanding DevOps
DevOps, a fusion of "Development" and "Operations," transcends being a mere collection of practices; it embodies a cultural and collaborative philosophy. At its core, DevOps aims to bridge the historical gap that has separated development and IT operations teams. Through the promotion of collaboration and the harnessing of automation, DevOps endeavors to optimize the software delivery pipeline, empowering organizations to efficiently and expeditiously deliver top-tier software products and services.
Key Principles of DevOps
Collaboration: DevOps champions the concept of seamless collaboration between development and operations teams. This approach dismantles the conventional silos, cultivating communication and synergy.
Automation: Automation is the crucial for DevOps. It entails the utilization of tools and scripts to automate mundane and repetitive tasks, such as code integration, testing, and deployment. Automation not only curtails errors but also accelerates the software delivery process.
Continuous Integration (CI): Continuous Integration (CI) is the practice of automatically combining code alterations into a shared repository several times daily. This enables teams to detect integration issues in the embryonic stages of development, expediting resolutions.
Continuous Delivery (CD): Continuous Delivery (CD) is an extension of CI, automating the deployment process. CD guarantees that code modifications can be swiftly and dependably delivered to production or staging environments.
Monitoring and Feedback: DevOps places a premium on real-time monitoring of applications and infrastructure. This vigilance facilitates the prompt identification of issues and the accumulation of feedback for incessant enhancement.
Core Practices of DevOps
Infrastructure as Code (IaC): Infrastructure as Code (IaC) encompasses the management and provisioning of infrastructure using code and automation tools. This practice ensures uniformity and scalability in infrastructure deployment.
Containerization: Containerization, expressed by tools like Docker, covers applications and their dependencies within standardized units known as containers. Containers simplify deployment across heterogeneous environments.
Orchestration: Orchestration tools, such as Kubernetes, oversee the deployment, scaling, and monitoring of containerized applications, ensuring judicious resource utilization.
Microservices: Microservices architecture dissects applications into smaller, autonomously deployable services. Teams can fabricate, assess, and deploy these services separately, enhancing adaptability.
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Benefits of DevOps
When an organization embraces DevOps, it doesn't merely adopt a set of practices; it unlocks a treasure of benefits that can revolutionize its approach to software development and IT operations. Let's delve deeper into the wealth of advantages that DevOps bequeaths:
1. Faster Time to Market: In today's competitive landscape, speed is of the essence. DevOps expedites the software delivery process, enabling organizations to swiftly roll out new features and updates. This acceleration provides a distinct competitive edge, allowing businesses to respond promptly to market demands and stay ahead of the curve.
2. Improved Quality: DevOps places a premium on automation and continuous testing. This relentless pursuit of quality results in superior software products. By reducing manual intervention and ensuring thorough testing, DevOps minimizes the likelihood of glitches in production. This improves consumer happiness and trust in turn.
3. Increased Efficiency: The automation-centric nature of DevOps eliminates the need for laborious manual tasks. This not only saves time but also amplifies operational efficiency. Resources that were once tied up in repetitive chores can now be redeployed for more strategic and value-added activities.
4. Enhanced Collaboration: Collaboration is at the heart of DevOps. By breaking down the traditional silos that often exist between development and operations teams, DevOps fosters a culture of teamwork. This collaborative spirit leads to innovation, problem-solving, and a shared sense of accountability. When teams work together seamlessly, extraordinary results are achieved.
5. Increased Resistance: The ability to identify and address issues promptly is a hallmark of DevOps. Real-time monitoring and feedback loops provide an early warning system for potential problems. This proactive approach not only prevents issues from escalating but also augments system resilience. Organizations become better equipped to weather unexpected challenges.
6. Scalability: As businesses grow, so do their infrastructure and application needs. DevOps practices are inherently scalable. Whether it's expanding server capacity or deploying additional services, DevOps enables organizations to scale up or down as required. This adaptability ensures that resources are allocated optimally, regardless of the scale of operations.
7. Cost Savings: Automation and effective resource management are key drivers of long-term cost reductions. By minimizing manual intervention, organizations can save on labor costs. Moreover, DevOps practices promote efficient use of resources, resulting in reduced operational expenses. These cost savings can be channeled into further innovation and growth.
In summation, DevOps transcends being a fleeting trend; it constitutes a transformative approach to software development and IT operations. It champions collaboration, automation, and incessant improvement, capacitating organizations to respond to market vicissitudes and customer requisites with nimbleness and efficiency.
Whether you aspire to elevate your skills, embark on a novel career trajectory, or remain at the vanguard in your current role, ACTE Technologies is your unwavering ally on the expedition of perpetual learning and career advancement. Enroll today and unlock your potential in the dynamic realm of technology. Your journey towards success commences here. Embracing DevOps practices has the potential to usher in software development processes that are swifter, more reliable, and of higher quality. Join the DevOps revolution today!
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daxbuz · 2 months
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Personal finance strategies for saving and investing
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Table of Contents:
1. Introduction
2. Importance of Personal Finance Strategies
3. Saving Strategies
1. Budgeting
2. Automating Savings
3. Cutting Expenses
4. Investing Strategies
1. Diversification
2. Retirement Accounts
3. Passive Income Streams
5. Conclusion: Maximizing Financial Growth
6. FAQ Section
Introduction:
In the realm of personal finance, navigating the complexities of saving and investing can be daunting. However, armed with the right strategies and knowledge, individuals can pave their way to financial security and prosperity. This comprehensive review delves into the intricacies of personal finance strategies for saving and investing in 2024, exploring various techniques and approaches to optimize wealth accumulation and growth.
**1. Importance of Personal Finance Strategies:**
Effective personal finance strategies serve as the cornerstone for achieving financial stability and long-term prosperity. By meticulously planning and implementing strategies tailored to individual goals and circumstances, individuals can gain control over their finances, mitigate risks, and build a solid foundation for future endeavors. Whether aiming for short-term goals like purchasing a home or planning for retirement, strategic financial management is indispensable.
**2. Saving Strategies:**
**1. Budgeting:**
Budgeting stands as the fundamental pillar of financial management, providing a roadmap for allocating income and expenses. By meticulously tracking expenses and setting realistic spending limits, individuals can identify areas of overspending and redirect funds towards savings and investments. Utilizing budgeting apps or spreadsheets simplifies the process, enabling better decision-making and fostering financial discipline.
**2. Automating Savings:**
Automation streamlines the saving process, ensuring consistent contributions towards financial goals. Setting up automatic transfers from checking to savings accounts or utilizing employer-sponsored retirement plans automates savings, removing the temptation to spend impulsively. Additionally, utilizing apps that round up purchases to the nearest dollar and deposit the difference into savings accounts fosters incremental savings growth effortlessly.
**3. Cutting Expenses:**
Trimming unnecessary expenses is paramount in bolstering savings potential. Conducting regular expense audits aids in identifying discretionary spending that can be reduced or eliminated. Negotiating bills, opting for generic brands, and embracing frugal habits contribute to significant cost savings over time. Redirecting these savings towards investments amplifies wealth-building opportunities and accelerates financial progress.
**3. Investing Strategies:**
**1. Diversification:**
Diversification is the bedrock of investment strategy, spreading risk across various asset classes to minimize exposure to volatility. By allocating investments across stocks, bonds, real estate, and alternative assets, individuals can optimize risk-adjusted returns and cushion against market fluctuations. Regular rebalancing ensures alignment with evolving financial goals and risk tolerance levels.
**2. Retirement Accounts:**
Maximizing contributions to retirement accounts such as 401(k)s or IRAs offers tax advantages and accelerates wealth accumulation. Employers often match contributions to retirement plans, amplifying the benefits of consistent savings. Leveraging tax-deferred growth and compound interest within retirement accounts empowers individuals to secure a comfortable retirement lifestyle.
**3. Passive Income Streams:**
Diversifying income sources through passive streams complements traditional employment income, fostering financial resilience and independence. Investing in dividend-paying stocks, rental properties, or creating digital assets like e-books or online courses generates recurring income with minimal ongoing effort. Cultivating multiple passive income streams bolsters financial security and enhances wealth-building potential.
**5. Conclusion: Maximizing Financial Growth:**
In conclusion, embracing personalized finance strategies tailored to individual circumstances is paramount in achieving financial prosperity. By prioritizing saving and investing, individuals can cultivate a robust financial foundation, mitigate risks, and capitalize on growth opportunities. With discipline, diligence, and strategic planning, the path to financial freedom becomes attainable for everyone.
**6. FAQ Section:**
1. Q: How much of my income should I allocate towards savings?
A: Financial experts recommend saving at least 20% of income towards savings and investments to ensure long-term financial security.
2. Q: Is it better to pay off debt before saving or investing?
A: It depends on the interest rates of the debt. High-interest debt should be prioritized for repayment, while simultaneously allocating a portion towards savings and investments to capitalize on compounding returns.
3. Q: What are some low-risk investment options for beginners?
A: Beginner-friendly investment options include index funds, exchange-traded funds (ETFs), and robo-advisor platforms, offering diversified exposure to the market with minimal risk.
4. Q: How often should I review my investment portfolio?
A: Regular portfolio reviews, typically quarterly or semi-annually, are recommended to ensure alignment with financial goals, risk tolerance, and market conditions. Rebalancing may be necessary to maintain diversification and optimize performance.
Learn more
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chimax-crypto · 5 months
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Introducing Choice Group: Your Secret Weapon for Financial Awesomeness in India
Choicese (CHC-SES) Transforms Asset Management Landscape in India with a $10 Billion Fund
Choicese (CHC-SES), a renowned financial institution, has entered the Indian market with a resounding impact, revolutionizing the landscape of asset management and empowering individuals to achieve their financial goals. With an impressive $10 billion fund under its management, Choicese brings extensive experience and expertise to cater to the diverse needs of investors in India. Unveiling a Comprehensive Suite of Services Choicese offers a comprehensive suite of services designed to simplify personal finance and provide tailored solutions to meet individual needs. From seamless trading to insurance coverage and retirement planning, Choicese aims to empower individuals with a wide range of financial services.
Seamless Trading Solutions: Choicese's platform provides a seamless trading experience, allowing individuals to trade equities, commodities, and currencies with ease. With advanced tools and real-time market data, investors can stay informed and make informed decisions to optimize their investment portfolios.
Diversified Mutual Fund Portfolio: Choicese serves as a convenient hub for buying and selling various types of mutual funds, providing investors with a diverse range of investment options. Whether it's equity funds, debt funds, or hybrid funds, Choicese offers accessibility and convenience for individuals to diversify their investment portfolios based on their risk appetite and financial goals.
Tailored Insurance Products: Choicese recognizes the importance of safeguarding one's financial well-being in times of uncertainty. Therefore, it offers a diverse portfolio of insurance products to provide individuals with tailored coverage options. Whether it's life insurance, health insurance, or general insurance, Choicese ensures that individuals have the necessary protection to secure their financial future.
Hassle-Free Personal Loans: Choicese simplifies the process of obtaining personal loans, offering hassle-free solutions with minimal documentation. Whether it's for education, medical expenses, or any other personal need, Choicese provides individuals with flexible loan options and competitive interest rates to meet their financial requirements.
National Pension Scheme (NPS) Facilitation: As a facilitator of the National Pension Scheme (NPS), Choicese empowers individuals to plan for a secure and regular income post-retirement. With Choicese's expertise and guidance, individuals can make informed decisions regarding their pension contributions, ensuring a financially stable future.
Bond Investments for Optimal Returns: Choicese presents opportunities to invest in bonds, diversifying investment portfolios and optimizing returns. With a wide range of bond options, individuals can explore fixed income investments that align with their risk tolerance and financial objectives.
Public Provident Fund (PPF) for Long-Term Tax Savings: Choicese offers the popular Public Provident Fund (PPF), providing individuals with stable returns and long-term tax benefits. By investing in PPF, individuals can enjoy tax deductions while accumulating wealth over time. Why Choose Choicese (CHC-SES)?
Choicese stands out as a trusted financial partner due to its commitment to technological innovation, market insights, and a proven track record of success. Through the Choicese FinX Trading App, individuals gain access to a sophisticated and user-friendly interface, enabling seamless wealth management. Additionally, Choicese provides valuable market insights and expert analysis, empowering individuals to make informed investment decisions.
Choicese (CHC-SES) has made a remarkable entry into the Indian market, offering a comprehensive suite of services to empower individuals in their financial journey. With its seamless trading solutions, diversified mutual fund portfolio, tailored insurance products, hassle-free personal loans, NPS facilitation, bond investments, and PPF offerings, Choicese caters to the diverse financial needs of its clients. Backed by a $10 billion fund managed with expertise and excellence, Choicese is poised to transform the asset management landscape in India. Visit Choicese's website at [https://choiceses-india.com] to embark on a transformative financial journey towards prosperity and financial freedom.
Choicese (CHC-SES) Revolutionizes Indian Asset Management with a Groundbreaking $10 Billion Fund
In a move that signifies a major shift in the Indian financial landscape, Choicese (CHC-SES) has recently entered the market, wielding a formidable $10 billion fund. This entry not only diversifies the asset management options available to Indian investors but also introduces a new paradigm in personal financial management.
Key Offerings and Strategic Impact
Innovative Trading Platform: Choicese debuts with a cutting-edge trading platform, enhancing the trading experience in equities, commodities, and currencies. The integration of advanced analytical tools and real-time market updates positions investors to capitalize on market movements effectively.
Expansive Mutual Fund Selection: The company provides an extensive array of mutual funds, including equity, debt, and hybrid options. This broad selection caters to a variety of investment strategies and risk profiles, empowering investors with choices that align with their long-term financial aspirations.
Personalized Insurance Options: Emphasizing the need for comprehensive financial security, Choicese introduces a range of customized insurance products. This initiative ensures that clients have access to the right insurance coverage, from life and health to general insurance, catering to their unique circumstances.
Simplified Loan Processes: With a focus on accessibility, Choicese streamlines the process for obtaining personal loans. This approach minimizes paperwork and maximizes efficiency, addressing diverse needs like education, healthcare, and other personal investments.
Retirement Planning via NPS: Choicese actively facilitates participation in the National Pension Scheme (NPS), offering guidance and expertise to secure a stable retirement. Their advisory services help clients navigate pension contributions for a financially secure future.
Diverse Bond Investment Opportunities: The firm introduces a variety of bond investment options, broadening investment portfolios and enhancing return potentials. These investments are tailored to suit different risk tolerances and financial objectives.
Public Provident Fund (PPF) for Long-Term Savings: Choicese offers the PPF, an established avenue for secure, long-term savings with tax benefits. This is particularly appealing to investors seeking stable and consistent returns.
Why Choicese (CHC-SES) is a Game-Changer?
Choicese's approach is underpinned by a commitment to technological advancement and deep market insights. The Choicese App exemplifies this, offering an intuitive, user-friendly platform for effective wealth management. Coupled with expert market analysis, Choicese is well-positioned to guide investors towards informed and strategic financial decisions.
In conclusion, Choicese's launch in India is a significant milestone in asset management. Its comprehensive suite of services, backed by a substantial $10 billion fund, sets a new standard in the industry and promises to transform the way Indian investors approach their financial planning. For more details on Choicese's offerings and to begin your financial journey, visit [https://choiceses-india.com].
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suarezcompton18 · 11 months
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Building a Virtual Empire: Minecraft Server Downloads for Economy Gameplay
Minecraft, the beloved sandbox game, offers players endless possibilities for creativity and exploration. One of the most intriguing aspects of Minecraft is the ability to create and manage virtual economies within multiplayer servers. These economies simulate real-world markets, where players can trade resources, buy and sell goods, and even establish their own businesses. In this article, we will explore the concept of economy gameplay in Minecraft and highlight some popular server downloads that facilitate the building of virtual empires. - Understanding Economy Gameplay: Economy gameplay in Minecraft revolves around the creation and management of virtual currencies, markets, and trade systems. Players engage in various economic activities, such as gathering resources, crafting valuable items, and participating in trade with other players. The goal is to accumulate wealth, expand one's influence, and build a thriving virtual empire. - Essentials Economy: Essentials Economy is a popular server plugin that adds a comprehensive economic system to Minecraft servers. It provides features such as virtual currency, player shops, and a centralized marketplace. With Essentials Economy, server administrators can customize the economy settings, establish taxation systems, and regulate the overall flow of wealth within the server. This plugin offers a solid foundation for creating a dynamic and immersive economic experience. - Vault: Vault is another essential plugin for Minecraft servers focusing on economy gameplay. It serves as an API (Application Programming Interface) that enables compatibility between various plugins, allowing for seamless integration of economy-related features. Vault provides a standardized currency system, allowing players to accumulate and spend virtual currency across different plugins and game modes. It simplifies the management of the in-game economy by providing a centralized platform for currency transactions. - Shopkeepers: Shopkeepers is a plugin that introduces non-player characters (NPCs) as shopkeepers in Minecraft. With this plugin, players can create their own custom shops, where they can sell items, set prices, and interact with the virtual marketplace. Shopkeepers adds a realistic touch to the economic experience, as players can establish their own businesses and attract customers through engaging shop setups. - LockettePro: Minecraft Mac LockettePro is a plugin that enhances security within the economic gameplay of Minecraft. It allows players to protect their chests, doors, and other containers, ensuring that their valuable resources and goods are secure from theft or unauthorized access. By implementing LockettePro, server administrators can instill a sense of trust and safety in the economic interactions of players, fostering a more reliable and stable virtual economy. - McMMO: While not exclusively an economy-focused plugin, McMMO adds a layer of RPG-like progression to Minecraft servers. Players can level up their skills and abilities, which can be valuable assets in the economic gameplay. For example, players with high mining skills may be able to gather resources more efficiently, thereby gaining an advantage in the marketplace. McMMO adds depth and variety to the economic aspects of Minecraft servers, encouraging players to invest time and effort into skill development. Building a virtual empire in Minecraft through economy gameplay offers a unique and immersive experience. It allows players to test their entrepreneurial skills, strategic thinking, and resource management abilities within a virtual world. By utilizing server downloads such as Essentials Economy, Vault, Shopkeepers, LockettePro, and McMMO, players can create a dynamic and engaging economic ecosystem that fosters trade, competition, and collaboration. Whether you aspire to be a prosperous merchant, an influential market manipulator, or a savvy business tycoon, Minecraft's economy gameplay opens up a world of possibilities for virtual entrepreneurship. So gather your resources, establish trade networks, and embark on a journey to build your very own virtual empire within the boundless realm of Minecraft.
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do you ever feel as though your adoration for Louis and disdain for Harry is in part a projection of your faith in certain rhetoric? I really like Louis, I thoroughly despise Harry. But I wonder if my perceptions, to any degree, are in fact less about the music/personality and more about symbolism. For me, Louis represents winning with honesty and idealism-- never cutting corners, never letting anyone else become collateral damage to the wind of ambition, never cheating or grifting or scamming or sleazing or bullshitting. No pomp or parade, just purposeful presence. Being sincere doesn't mean being naive, but being smart shouldn't requisite being scummy, yano? But I've never in my life ever come across a single person who's won anything that way. The kids who get into Harvard from my school follow essay ghost writing services on Insta and cheat through school, plagiarizing the projects that win them awards. Those same kids will go on to be the latest YC entrepreneurs raking in a shit ton of VC funding from the parents of their rich legacy admit peers. Those "entrepreneurs" get on the Forbes 30 Under 30 list, and then pull an Elizabeth Holmes or Richard Sackler on all of us. But only after accumulating hordes of imperishable wealth and notoriety-- only after reserving a space amongst the successful in history books. A state school kid could be just as smart as the smartest person at Harvard, hustle as hard as humanly imaginable, but it's unlikely that they'd ever get a foot in the door to the upper echelons of society or success because nothing can compete with having friends in high places. The odds aren't in favor of the honest. That's what Harry represents to me. He represents the depraved reality in which the only apparent way to "win" is to cheat and scam and hurt. And if you weren't cheating and scamming and hurting from the start to weasel your way forward, then it's too late because that door is already closed. Louis represents something better, but perhaps something in vain. When Louis says have faith in the future, it's echoed by Harry saying face the future and accept that the prospects are dismal. I don't know, I feel like maybe I latch on to Louis because he feels like the closest thing to an honest winner. But yeah, symbolism and idolatry is a lot of pressure to put on a stranger, especially when they didn't ask for it. It's just hard to separate the rhetoric from the art, to be here just for the music and not the symbolism. Makes me wonder if I'm any better than being a Larry, using a whole individual human being as a rhetorical device for my ideology, the way Larries use him for a fetish or fantasy. In summary, I suppose my dilemma is that I want to see Louis win, I'm just not sure what the right reasons are for wanting someone to win. Do people truly just have unconditional love for others, or is their always an element of rhetoric, maybe pity or sympathy or empathy or familiarity?
Hi there,
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I have a few thoughts, some personal and some more universal.
First, the personal. I AM biased. As much as I try to be objective, my past experience in this fandom influences my love for Louis and disdain for Harry. The way that Harries and Larries have constantly harassed me and other Louies for years— calling us Rads, cockroaches, fascists, Hitler (literally)— the way they leave ruthlessly inhumane anons in my and other people’s inboxes, make blogs just to hate and harass other fans, all of this behavior changes my perception of the idols. How many Louis UAs have folded because of the pressure? How many fans have been bullied into leaving?
Now, I can understand what you mean by using Louis and Harry as symbols of universal ethical standards. Like it or not, they do act as role models for their fans. We imitate their fashion and speech. We adopt their tastes in music. We buy their merch and chant their slogans (TPWK, Faith in the Future). We DO idealize and simplify who they are. Because we only see a tiny part of their personal lives, we cannot know how they behave privately, what choices they make.
But as you illustrated, the consequences of their choices do eventually, piece by piece, month by month, year by year, reveal a three-dimensional person with consistent values and principles. A person like Louis with meticulous eye for details and a perfectionist bent will take time to pay attention to his own presentation, whether it’s song lyrics or fashion or tour graphics. A person like Harry who is used to letting others do it for him will be less consistent, more likely to do what is ostentatious and trendy, more interested in creating outrage and gossip. This observation doesn’t come from our idealization of them: it is a fact built from a decade of watching them as public figures.
We “project” our ideas of Harry and Louis because of their real actions and the consequences therein, not because of some random depictions in fics of tabloids.
But the flip side of your argument is a cautionary tale not to treat them like puppets. I’ve said before that Louis is NOT a perfect human being. No one can be. He makes bad decisions on occasion. It is okay to recognize his flaws; the sky isn’t going to fall, we don’t have to cancel him every time he does something we don’t like. Conversely, Harry can be truly kind at times, amusing and charming. He is truly talented. He can be all these things and still be motivated by selfishness and greed.
We can recognize our own flaws in reasoning and still try to see things in an objective way. Ethics is not an easy subject to study— the schools of moral philosophy are also often conflicting (Kant’e categorical imperative vs. Mill’s utilitarianism can reach diametrically opposite conclusions)!
But fandom is also not only about choosing the fairest thing. That would be incredibly tedious! It’s about connecting with people who speak to us, who give us joy when we need it, who provide hope in intangible ways, who make us feel loved and safe, who have given us indelible memories.
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investoropia · 11 months
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10 Small Investment Ideas: Building Wealth Through Low-Risk Options
Discover 10 small investment ideas that offer low-risk options to kickstart your journey towards building wealth and securing a brighter financial future. Learn about mutual funds, index funds, robo-advisors, stocks, bonds, real estate, precious metals, cryptocurrency, small businesses, and investing in yourself. Get insights on risk factors, positive factors, and FAQs to make informed investment decisions.
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Many people mistakenly believe that significant wealth is a prerequisite for investment opportunities. However, this notion is unfounded. Small investments, made consistently over time, can accumulate and pave the way to financial growth. In this article, we will explore ten small investment ideas for beginners that offer low-risk options to kickstart your journey towards building wealth and securing a brighter financial future.
We will also provide insights on how to manage these investments effectively based on facts and proven strategies:
Mutual Funds: Embracing Diversification Mutual funds are an accessible entry point for beginners in the investment realm. These funds pool money from multiple investors to purchase a diversified range of assets, including stocks, bonds, and securities. Diversification spreads investments across different assets, reducing the risk of significant losses. With modest initial investments, mutual funds are an excellent choice for beginners.
Index Funds: Simplicity and Affordability Combined Index funds, a type of mutual fund, track specific market indices such as the S&P 500. They provide a straightforward and cost-effective way to invest in a broad range of stocks. For beginners lacking the time and expertise to select individual stocks, index funds offer diversification, lower expense ratios, and the potential for steady long-term growth.
Robo-Advisors: Simplifying the Investment Process Robo-advisors are online investment platforms that automate portfolio management and offer personalized advice. They are ideal for beginners seeking convenience and requiring minimal initial investment. These platforms provide automated diversification, real-time recommendations, and low-cost portfolio management, allowing gradual wealth accumulation.
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Other Topic:
How to Safeguard your Investments During a Market Decline?
How to create your own trading setup?
Relative Strength Index (RSI)
South Korea Retains Position in MSCI Emerging Markets
#InvestmentIdeas #WealthBuilding #FinancialGrowth #LowRiskInvestments #BeginnerInvesting
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bullventurecapital · 5 days
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No Income Documentation Loans Need Now Income Proof For Sure!
For the financial growth and wealth accumulation investing in real estate can be the best idea. Serving as a reliable source of passive revenue for investors, property ownership can provide a steady stream of rental income. Sprawling bustling commercial spaces to farmlands and from towering skyscrapers to humble homes real estate includes a vast landscape of property. Real estate is not just about brick and mortar it is more than that; it is a fulfilling fundamental for human needs for shelter, community, and commerce. Real estate market is very diverse and dynamic, and it plays a crucial role in shaping our lives and communities. It is because it’s a reflection of societal values, economic dynamics and a reflection of human aspirations.
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Take the no appraisal refinances now
Looking after loans, then loans are the essential tools that serves businesses, individuals and governments to access capital for various purposes. Whether it is buying property or home, covering unexpected expenses or funding a business venture, loans help one to achieve goals and manage financial needs. No appraisal loans are also known as streamline refinances or no-appraisal refinances. This is the mortgage refinancing options that allow homeowners to streamline the process of refinancing without requiring a new home appraisal. To simplify the refinancing process and to reduce the paperwork, this loan is designed. Typically lenders require a home appraisal to assess the current market value of the property but this appraisal helps lenders determine the loan-to-value ratio.
Income documents are not needed for sure
There are variety types of loans that are tailored to different circumstances and needs. Some are designed to finance the purchase of real estate properties and some loans are typically unsecured, meaning they don't require collateral but may have higher interest rates as a result. No income documentation loans are the type of mortgages that allow borrowers to apply for a loan without providing detailed proof of their income. The simplicity and flexibility of this loan make it more popular among real estate buyers and investors.
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swarajfinpro236 · 18 days
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The 15-15-15 Rule: Your Key to Long-Term Wealth Creation
Have you seen a video of a snowball rolling downhill? It often starts small, but as it gathers speed, it picks up more and more snow, growing bigger and bigger. That’s the magic of compounding, the core principle behind the powerful 15-15-15 rule for mutual fund investing.
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What is the 15-15-15 rule?
It is a simplified way to understand how consistent investing and long-term returns can help you accumulate a significant corpus. Here’s the breakdown:
Invest Rs. 15,000 per month: This is your fixed monthly investment amount through a Systematic Investment Plan (SIP) in a mutual fund scheme.
Invest for 15 years: Discipline and consistency are key. By sticking to your SIP for 15 years, you allow your money to grow steadily.
Earn a 15% annual return: This is an estimated average annual return that equity mutual funds have historically delivered in India [source: Value Research]. It’s important to remember that past performance is not a guarantee of future results, but it gives you a benchmark.
Following the rule, with these assumptions, you could potentially accumulate around Rs. 1 crore in 15 years. That’s a powerful example of how even seemingly small contributions can grow significantly over time.
Why is it so effective?
The secret here is compounding. Just like the snowball rolling downhill, your returns are not just on your initial investment, but also on the gains you’ve made earlier. It’s like earning interest on your interest. The longer you stay invested, the greater the compounding effect.
Here’s a real-world analogy: Let’s say you save Rs. 100 every month and put it in a piggy bank. That’s good, but it won’t get you very far. But, if you invest that Rs. 100 in a mutual fund SIP and earn a 15% annual return, it’s like the piggy bank magically starts generating its own money! Over time, the accumulated interest can become much larger than your initial contributions.
The power of long-term investing
The 15-15-15 rule highlights the importance of long-term investing. By starting early and staying invested for a long period, you ride out market fluctuations and benefit from compounding. Even if the market goes down in some years, you have time to recover and potentially see your investments grow again.
Getting started with the 15-15-15 rule
Here’s how you can put the rule into action:
Choose the right mutual fund scheme: Do your research and select a diversified equity mutual fund scheme that aligns with your risk tolerance and financial goals.
Set up a SIP: A Systematic Investment Plan allows you to invest a fixed amount regularly, inculcating discipline and potentially averaging out the cost of investment over time.
Stay invested: Don’t panic if the market dips in the short term. Focus on your long-term goals and avoid making impulsive decisions.
Remember, that it is just a starting point. You can adjust the monthly investment amount based on your financial situation. The key takeaway is to invest consistently for the long term to harness the power of compounding and grow your wealth with mutual funds.
Swaraj Finpro, the Top Mutual Fund Distributor can help you get started on your investment journey. We offer a wide range of mutual fund schemes and can help you choose the ones that are right for you.
Note: Not all mutual funds are created equal, and past performance is not a guarantee of future results. Carefully consider your risk tolerance and investment objectives before investing.
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thelandingmamba · 18 days
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Unlocking Financial Freedom: Exploring the Benefits of Refinancing
In the labyrinth of personal finance, where every decision impacts the trajectory of one's financial journey, the concept of refinancing stands as a beacon of opportunity. It's a strategic maneuver that can redefine the landscape of debt management, offering a pathway towards liberation from financial constraints. This article delves deep into the multifaceted benefits of refinancing, illustrating how it can serve as a catalyst for unlocking financial freedom.
Lower Interest Rates:
At the heart of refinancing lies the allure of lower interest rates. Market fluctuations and changes in economic conditions can create opportunities to secure loans at more favorable terms than when the original loan was obtained. By refinancing at a reduced interest rate, borrowers can potentially save substantial amounts in interest payments over the lifespan of the loan, thereby bolstering their financial health.
Reduced Monthly Payments:
Beyond the allure of lower interest rates, refinancing offers the tangible benefit of reduced monthly payments. Extending the term of the loan or securing a lower interest rate can translate into significant savings on a month-to-month basis. This reduction in monthly financial obligations can provide much-needed breathing room for individuals grappling with tight budgets or seeking to reallocate funds towards other financial goals.
Enhanced Cash Flow:
The ripple effect of lower monthly payments extends further, contributing to enhanced cash flow. With more disposable income at their disposal, individuals can redirect funds towards savings, investments, or debt repayment strategies. This surplus liquidity empowers individuals to seize opportunities for wealth accumulation and fortify their financial resilience against unforeseen challenges.
Debt Consolidation:
Refinancing isn't merely about securing better terms on existing loans; it's also a powerful tool for debt consolidation. By combining multiple debts into a single loan with more favorable terms, individuals can streamline their financial obligations and simplify their repayment process. This holistic approach to debt management can reduce administrative burdens and minimize the risk of default, paving the way for long-term financial stability.
Flexibility in Loan Terms:
Refinancing affords borrowers the flexibility to tailor loan terms to suit their evolving financial needs and preferences. Whether it involves switching from an adjustable-rate mortgage to a fixed-rate mortgage for greater stability or shortening the loan term to accelerate debt repayment, refinancing empowers individuals to customize their financial strategies and optimize their outcomes.
Access to Equity:
For homeowners and individuals with substantial assets, refinancing offers a means of unlocking the latent value embedded within their properties. By tapping into home equity or other assets, individuals can access liquidity to fund home improvements, finance major purchases, or address pressing financial needs. This strategic utilization of assets amplifies financial flexibility and expands the scope of possibilities for wealth creation.
Credit Score Enhancement:
Responsible management of refinanced loans can also yield ancillary benefits, such as improvements in credit scores. Timely payments and prudent debt management practices demonstrate fiscal responsibility to creditors, thereby enhancing creditworthiness and opening doors to more favorable lending terms in the future. This virtuous cycle of credit improvement further strengthens individuals' financial foundations and positions them for long-term success.
In conclusion, the benefits of refinancing are manifold, offering a gateway to financial liberation and empowerment. Whether it's through lower interest rates, reduced monthly payments, or strategic debt consolidation, refinancing empowers individuals to take control of their financial destinies and chart a course towards prosperity. However, it's crucial to approach refinancing with careful consideration and informed decision-making, weighing the costs and benefits in alignment with one's long-term financial objectives. With the right strategy in place, refinancing can serve as a pivotal step in the journey towards unlocking financial freedom and realizing one's financial aspirations.
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Tailored Refinancing Strategies For Every Situation
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Refinancing a home loan presents various opportunities for homeowners to optimize their financial situation. As you consider your unique circumstances and objectives, you can tailor your strategies for a refinance home loan Melbourne to achieve your financial goals and build long-term wealth. Consulting with a reputable broker can provide valuable insights and guidance throughout the refinancing process.
Here are some refinancing strategies for different homeowner scenarios:
Consolidating Debt through Refinancing
For homeowners burdened by high-interest debt from credit cards, personal loans, or other sources, refinancing their mortgage to consolidate debt can offer relief and savings. By rolling multiple debts into a single mortgage with a lower interest rate, homeowners can simplify their finances and reduce monthly payments.
Key Points:
Assessing Debt Load. Evaluate all outstanding debts and their respective interest rates to determine the total amount to be consolidated.
Lowering Interest Rates. Explore refinance home loan options with lower interest rates than existing debts to achieve significant savings over time.
Structuring the Loan. Determine the optimal loan structure such as a cash-out refinance or debt consolidation loan, to maximize savings and manage repayment effectively.
Long-Term Financial Planning. Develop a repayment plan to eliminate debt efficiently and avoid accumulating new debt in the future.
Shortening the Loan Term
Homeowners seeking to build equity faster and pay off their mortgage sooner may benefit from refinance home loan to shorten the loan term. While this strategy typically results in higher monthly payments, it can lead to substantial interest savings over the life of the loan and faster debt-free homeownership.
Key Points:
Assessing Financial Capacity. Determine whether higher monthly payments are feasible based on current income, expenses, and financial goals.
Comparing Loan Terms. Evaluate the potential savings and impact on monthly payments by comparing different loan terms, such as 15-year versus 30-year mortgages.
Locking in Lower Rates. Take advantage of historically low interest rates to refinance into a shorter loan term while minimizing overall interest costs.
Adjusting Budget and Priorities. Review and adjust household budget and spending priorities to accommodate higher mortgage payments and prioritize long-term financial goals.
Tapping into Home Equity for Renovations or Investments
Homeowners sitting on substantial home equity may leverage refinancing to access funds for home renovations, property investments, or other financial opportunities.
Key Points:
Assessing Home Equity. Determine the current market value of the home and subtract outstanding mortgage balance to calculate available equity.
Identifying Investment Opportunities. Explore potential renovation projects, property investments, or other ventures that align with financial goals and market trends.
Exploring Refinancing Options. Consider cash-out refinancing or lines of credit to access equity while securing favorable terms and rates.
Maximizing ROI. Prioritize investments that offer the highest return on investment and align with long-term wealth-building objectives such as increasing property value or generating rental income.
Choosing the Right Refinancing Strategy
Compare the potential savings and costs associated with each refinancing strategy. Consider factors such as interest rates, loan terms, closing costs, and any penalties or fees involved in the refinancing process. Use online calculators or consult with brokers and lenders to estimate your potential monthly savings and long-term financial benefits for each strategy.
Evaluate your risk tolerance when choosing a refinance home loan. Some options such as cash-out refinancing for investment purposes, may carry higher risks but offer potential rewards. Assess your comfort level with taking on additional debt or extending the loan term and weigh the potential risks against the anticipated benefits of each strategy.
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startup-support · 1 month
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Don’t Miss Out: Unveiling the Benefits of Timely Income Tax Return Filing with Ensurekar
Tax season can be a stressful time, but it doesn’t have to be. Here at Ensurekar, we understand the importance of filing your income tax return on time and want to empower you with the knowledge of the many benefits that come with doing so.
Unlocking the Rewards of Timely Filing
While meeting deadlines might seem like the only reason to file on time, there’s a treasure trove of advantages waiting for you. Let’s delve into some of the key benefits:
Embrace the Power of Refunds: One of the most enticing rewards is the potential for a hefty tax refund. Filing promptly ensures you receive any tax credits or deductions you’re eligible for, putting that hard-earned money back in your pocket.
Streamline Loan Approvals: A timely tax return filing history demonstrates financial responsibility and stability. This can significantly improve your chances of securing loans for future endeavors, whether it’s a car loan, a mortgage, or a business loan.
Visa Applications Made Easy: For those seeking travel or work visas abroad, a clean and compliant tax record can be a crucial factor in the approval process. Timely filing demonstrates financial transparency and adherence to regulations, smoothing your path to international opportunities.
Avoid Penalties and Interest: Procrastination comes with a price. Delaying your tax return filing can result in penalties and accumulating interest on unpaid taxes. Filing on time allows you to avoid these unnecessary financial burdens.
Peace of Mind and Reduced Stress: Knowing your tax obligations are fulfilled gives you a sense of accomplishment and reduces the stress associated with looming deadlines and potential penalties.
Ensurekar: Your Partner in Timely Tax Filing
At Ensurekar, we are committed to simplifying the tax filing process for individuals and businesses. Our team of experienced professionals can guide you through the intricacies of tax regulations, ensuring your return is filed accurately and on time.
Benefits Beyond Timely Filing
In addition to the advantages mentioned above, Ensurekar offers a range of services to make your tax filing experience even smoother:
Tax Planning and Optimization: Our experts can help you strategize your finances throughout the year to minimize your tax burden and maximize potential refunds.
Investment Guidance: We can provide valuable insights on tax-efficient investment options to help you grow your wealth while minimizing your tax liability.
Audit Support: In the unlikely event of an audit, our team can provide dedicated support and representation, ensuring your rights are protected.
Don’t wait until the last minute. Take control of your tax filing today and unlock the numerous benefits of timely compliance. Contact Ensurekar and let us help you navigate the tax season with confidence.
Ready to file? Visit our website or call us at ENSUREKAR and connect with us over the phone at 8778440844 to schedule a consultation.
Ensurekar — Simplifying Taxes, Empowering Your Future!
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