#investment advisor regulation
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The Foreign Exchange Management Board Regulates Foreign Exchange In India
Over the years, foreign exchange regulations have been liberalised to enable the influx and outflow of capital into and out of India. Changes have been made on a regular basis, in accordance with the government's economic liberalisation agenda. The Foreign Exchange Management Act ('FEMA') and the Regulations promulgated under it govern these rules in India. The Reserve Bank of India ('RBI'), which regulates the legislation and is responsible for all essential approvals in India, is the highest body in these areas.
Know more: https://enterslice.com/foreign-exchange-regulations
#Foreign Exchange Regulations#collective investment schemes#corporate agency licence#third party administrator licence#peer to peer lending license#alternative investment fund registration#ecb compliance advisory#nbfc registration#insurance marketing firm licence#investment advisors registration with sebi
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The Boyfriend (Namjoon x OC)
Summary: You use the boyfriend card to get out of a sticky situation.
Pairing: Namjoon x OC
Genre: Smut, some fluff
Word count: 5 K
Rating: 18+
Warnings: dirty talk, making out, fingering, oral sex, unprotected sex, doggy style, lots of insinuations
A/N: Smut. Just shameless smut. Set around six months after Seoul and can be read standalone.
Tagging: @bbl32, @quarter-life-crisis2, @margopinkerton, @faearchives, @whoisbts, @purpleseoul7, @kflixnet (if you want to be added to the taglist, lmk)
Listen to: “i wanna be yours” by arctic monkeys
namjoon masterlist | main masterlist
“So, based on what we’ve just talked about, which of these would be the best decision in a deflationary economy if you’re advising a crude oil giant?”
Answers pop up in a garble of voices, some educated guesses and some plain incorrect. There’s only one who seems to be completely confident in her answer.
“Jane, go for it.”
“Regulating supply to Q-1 until it hits the kink on the curve and the price rises to P-1.”
Before Kaya can respond, a student behind her wrinkles his nose.
“In a deflationary economy? So manufacturing and transportation costs can increase even more?”
“You want prices to increase so there’s greater investment in the economy -”
“How does investment help when there’s -”
“Alright, that’s enough,” calls Kaya, somewhat amused. Both students roll their eyes and each other and face forward. “You’re both right… theoretically. Who can tell me why?”
There’s another mess of answers and she chuckles, her gaze moving instinctively to the back of the class. There’s her thesis advisor, observing her teaching the class. He nods encouragingly behind his glasses, sharing her amusement. Behind him, in the last row, is that student again, the one with the baseball cap still on his head tilted low.
In spite of it, she can’t miss his eyes behind his glasses finding hers, and her heart stutters.
She averts her gaze instantly and takes a step backwards, reaching inside the bowl on her table. The sound of her heels clicking against the floor brings the class to relative silence.
Jane raises her hand again, pushing her glasses up with her other hand. In front of her, the open pages on her notebook are filled with scrawls in black ink of diagrams and text. Feeling a vague sense of kinship, Kaya points at her.
“Increased crude oil prices lead to greater investment in the shale oil space,” she answers immediately, and the guy behind her closes his eyes and sighs, evidently having forgotten this rather important detail. “This leads to an influx of cash in the economy, leading to more jobs and employment. As for the increase in costs,” she adds, turning around conspicuously to look at him, “that’s a side effect that can’t be helped. Those companies would be better off moving from consuming crude oil to shale oil.” Satisfied, she looks back to Kaya.
“Near perfect answer,” she confirms, tossing her a candy.
Despite the compliment, Jane frowns, absently catching the candy. The bell rings then and there’s a rustle as everyone begins standing up and gathering their things.
“Good class, everybody,” says Kaya, doing the same. “Don’t forget your pre-read for Wednesday’s class.”
There’s a murmur of assent as everybody begins heading out through the side doors in front of the class, passing by her desk to do so. Jane bounds up to her.
“Um, just asking for future reference,” she begins, “what was… not perfect about my answer? Because according to my notes,” she says, leafing through her notebook, “it was exactly what you said.”
Kaya winces internally, knowing that while teaching the class requires days of preparation, this is the hard part. Straightening up to face her, she sighs.
“Your answer was perfect,” she admits gently. “The gloating was not. Trust me, I’ve been there. Learnt it the hard way,” she adds honestly when Jane’s shoulders deflate and she trudges out with the rest of the class.
There aren’t too many people left in the class now. Another student, the same one who was caught unawares by Jane, stops by her desk. “I should’ve realised it was the shale thing,” he mutters, sounding disgruntled. “I don’t know how I missed it. I missed another thing last class. I don’t know why… is it possible - I mean…” He shuffles uncomfortably. “Do you… do you tutor?”
Hell no. “You don’t need tutoring, Jakob,” she answers instead, hoping she sounds encouraging. “You just need to pay a little more attention.” Kaya turns to switch off the projector, effectively ending the conversation. She doesn’t turn around until she hears footsteps behind her again, and her smile fades when she sees the student with the baseball cap, his hands in the pockets of his open hoodie. His glasses frame his face, and she sees blond hair peeking out from under the cap.
“I was going to ask the same thing,” he says after a moment, voice deeper than Jakob’s. “About the tutoring.”
Kaya swallows, her eyes darting around at the remaining few people still packing up. “My answer is the same as well,” she says shortly. “You don’t need tutoring.”
“I don’t?”
“No. You just need to pay attention in class.”
His gaze travels down her figure, from the slim white top to the pencil skirt she’d worn in hopes of being professional. The way he’s looking at her, though, is anything but. “You don’t make that very easy.”
She pauses, her heart racing. Still aware that they aren’t alone, she bites her lip. “I have a boyfriend,” she murmurs, too low for anyone else to hear.
There’s a shadow of a smile under the cap. He takes a step closer and she catches a whiff of his familiar cologne. He’s taller than Jakob, too… “That’s what you said last time,” he reminds her.
Kaya’s cheeks grow hot but before she can respond, someone else comes over.
“Kaya,” calls Adam, smiling. “Great class. You’re a natural,” he says, coming over and giving her a friendly one-armed hug.
She chuckles in relief, momentarily diverted. “Thank you. I tried to do everything you told me - notes and all,” she tells him.
“You nailed it,” he assures her, patting her shoulder encouragingly. In contrast to the previous conversation, Adam speaks at a regular volume. Tall and lean in his mid-thirties, he adjusts his laptop bag and a file of papers in his other hand. Behind him, the other student has smoothly stepped back and is leaning against Jane’s desk, pretending to pay attention to his phone even though his thumb isn’t scrolling.
“It was… fun,” she admits. “Kind of like a high.”
“The good ones are,” agrees Adam. “The students really respond to you. Keep it up and I can start unloading even more of my classes onto you,” he jokes, pushing glasses up his nose in a move identical to Jane’s.
“Can’t wait.” Kaya grins and waves as he exits the lecture hall, feeling the unique calmness of relief. She waits until he’s well out of sight, leaving only one other person in the room.
“Was he asking about tutoring, too?” he asks, voice a little dryer than before.
The relief still seeping through her veins, she shrugs. “No. He was complimenting my class, as I’m sure you heard.”
“I was going to do that, too.”
She chuckles. “I appreciate it, but Adam is my thesis advisor,” she tells him, now giving him her full attention as he approaches her. “In this case, his opinion matters the most.”
He nods, jaw hardening slightly. “Well, good thing I’m not your boyfriend or that would actually hurt a little,” he tells her, now standing right in front of her. His hand strokes her hip and she gasps softly, grabbing it to move it.
“Not here,” she whispers. “Anyone could walk in.” When he smirks, presumably in anticipation of exactly that, she deliberately shoves his hand away. “And there are cameras.”
“Afraid your boyfriend’s going to see? You weren’t this worried the last time.”
“That’s because the last time we did this, it was in the privacy of your studio,” she reminds him, slipping out from in front of him and grabbing her bag. “How did you even get in here? Didn’t anybody see you?”
“Um… no, actually,” he answers, shaking his head. “I literally just gave my name at the gate and walked in. Security’s not great here, now that you mention it,” he informs her, now at a more normal volume.
Kaya frowns, not expecting this. “Seriously? What - you just said your name is Kim Namjoon and just… walked in?”
“Oh, no, I gave a fake name, obviously,” he says as they walk out together. “But it still worked. No one gave me a second look,” he adds, sounding almost uncertain. “Quite surprising. But a good thing.”
“That is surprising,” she agrees in a low voice, hoping it stays true for the short walk to her office as well. Namjoon is taller than average; even wearing heels, it feels like he’s towering over her, shielding her whole figure. Still, the clothing probably works, for no one seems to pay them any attention. She’s thankful it’s a Sunday - the number of people on campus is fewer than usual. They reach her office in relative silence and it isn’t until they’re both inside and she’s shut the door that she finally relaxes.
“I don’t allow hats and hoods in my class, by the way,” she tells him pointedly, grinning when he takes the hat off. “Don’t make me give you detention,” she warns.
“I can handle detention,” he says easily, running a hand through his hair. Kaya allows herself to admire him freely now, leaning back against her table in the small, air-conditioned office.
“What are you doing here?” she asks him finally, tone softer than before.
“It’s your first class; I wanted to be there,” he answers, coming up to her and placing his hands on her hips again, tracing the shape in the pencil skirt. “And you were amazing. So confident and sexy,” he murmurs, tilting his head and brushing his lips against her collarbone.
Kaya feels goosebumps appear on her skin. “That’s… really sweet. Why didn’t you tell me?”
“Well…” Namjoon straightens up. “I wasn’t sure if I’d be able to get in,” he admits. “And I didn’t want you to be nervous. Wanted you to focus on nothing but the class.”
She nods, biting her lip and wrapping her arms around his neck. “Thank you,” she says softly, leaning up before stopping abruptly. “Wait, what fake name did you use? I need to know who I’m making out with in my office.”
He raises an eyebrow. “And cheating on your boyfriend with?”
“Exactly.”
Namjoon rolls his eyes but tugs her hips closer to his. “I said my name was Jackson. It was the first one that popped into my head.”
“Jackson?” Kaya frowns, something stirring in her memory. “Don’t you have a friend called Jackson? Didn’t we - hang on, didn’t we go to a party at his house or something?”
“No, that wasn’t Jackson. Jackson was the one who sent me flowers and soup when I got a cold, remember? I think it was May,” he says vaguely.
“Oh, yeah, I remember you told me about that. He was a better girlfriend than me,” she teases, leaning up again.
“You still edge him out just a bit,” he mutters, pulling her closer and kissing her. She sinks into him instantly, the day’s stress, anxiety and relief disappearing in his taste and his scent. She feels his hands roaming her body with ease, running down the curves of her top and skirt, the pads of his thumbs pressing into the flesh, and she can tell here a restrained intake of breath.
“Don’t you think it’s unfair?” Namjoon murmurs, trailing kisses across her jaw. He takes a step forward and backs her into the table.
It takes Kaya a moment to respond. “What is?” she asks, eyes still closed.
“Expecting your students to concentrate the whole time when you’re up there looking like this,” he answers calmly, softly sucking the skin under her earlobe.
She almost rolls her eyes at this line but the feel of his body pressing up against hers makes it difficult to do so. “If they want that grade, they’re going to have to,” she says instead, tugging at the bottom of his hoodie. “Take this off,” she whispers, running her hands up to his shoulders and slipping it off.
He pulls away slightly. “What else can they do for a grade?”
She grins. “What can they do…” Hooking her fingers through the belt loops on his jeans, she pulls herself closer.
“... or what can you do?”
Being a famous person, presumably, is fraught with the possibility of scrutiny and inappropriate invasion of privacy. Namjoon seems to be an unwilling expert at it, knowing the ins and outs of using disguises, fake names, timed outings and secret exits.
Being with a famous person, at least for Kaya, is a black box. It sounds dangerous and mysterious, like the depths of Tartarus with the sounds of cameras clicking echoing from inside it. She doesn’t do well with not knowing, but this is one area where she’s restrained herself from Googling more than she should, for she knows the kind of stories she’s bound to stumble across.
In a somewhat insane attempt to cope, she’d convinced herself that as long she doesn’t see them, there’s a chance her mind is exaggerating and they don’t exist at all, like Schroedinger’s paparazzi. She hates the phrase, doesn’t believe in it - but Ignorance is bliss seems to be the safest option in this case, letting Namjoon take the lead when it comes to navigating a relationship in secret.
A good thing that’s come out of it? The desire to take advantage of every situation that presents itself, even at the most inopportune moments.
The last time Kaya had been in Seoul, she’d made a calculated decision to ask Hoseok to sneak her into the Big Hit building so she could find Namjoon in his studio.
“With respect, Hobi,” she’d said carefully on the phone, biting her lip, when he’d asked her curiously why she wanted to do this, “don’t ask questions you don’t want the answers to?”
It had taken Hoseok a full minute to understand what she might be referring to, during which time she wished very much that Yoongi wasn’t out of town at this time. Still, Hoseok had been kind enough to help her out and she’d smoothly made her way inside and knocked on her boyfriend’s studio, hoping the lace wouldn’t start chafing before it could be taken off.
To her horror, Namjoon hadn’t been alone. His eyes had widened in shock and she’d been ready to turn around and run, but whoever it was with him had frowned and pointed at her, asking Namjoon something in Korean.
Namjoon had stuttered out a response, tacking on “an intern” at the end in English, she knew, for her benefit. There had been some conversation after that which Kaya could make no sense of, following which Namjoon had handed her a folder filled with papers and a pendrive, apparently waving her away.
Fortunately, his companion had also left then, leaving only Namjoon and the intern in the studio.
“I’m sorry,” he’d said instantly, seeming a little confused, “but, what are you…”
“Obviously, since I’m an intern here,” she’d begun wryly, “I am doing my job. I’m… interning.”
“M-hm.”
There had been a moment where they’d met each other’s eyes and it occurred to Kaya that her surprise visit could unearth more than just a quickie in his studio.
“Anything else you need?” Namjoon had asked after a moment, taking a seat in his chair, elbows resting on his thighs and feet flat on the ground.
He was playing along. Kaya’s heart had raced in excitement and she’d tried to suppress her smile. “I’ve always admired your work,” she’d ventured, feeling just the tiniest bit ridiculous. But she’d tried to push the thought out of her mind and stay committed to the bit. “Could you teach me something?”
Namjoon hadn’t responded for a moment and she’d cringed, hoping it hadn’t gone from sexy surprise to average porno in three seconds straight. But then he’d cleared his throat and gestured for her to come closer. “Sure. I can teach you.”
Kaya had walked over and once she’d reached him, pretended to look around the studio. “Um… there’s no other place to sit,” she’d said, ignoring the four seater sofa and armchair. “From where I can see the monitor,” she’d added quickly.
He’d nodded thoughtfully and simply leaned back in the chair, gazing up at her calmly. Even sitting down, he was almost her height, torso long and broad, jeans stretching over his thighs and making his lap look most inviting.
“Have a seat.”
Her toes had curled inside her shoes and she’d nodded mutely, carefully resting on his knee while his hands lightly guided her hips. The slightest touch made her heart palpitate, as though sitting on his lap wasn’t one of the most natural parts of her days with him.
“Are you comfortable?” he’d asked.
Kaya had nodded. “Yeah. I mean,” she’d shrugged, going where her inspiration took her, “my boyfriend won’t like it, though.”
She’d felt him stir then, just a bit, underneath her. The next moment, he’d leaned forward so his chest was touching her back and his nose brushed her hair.
“Jackpot,” he’d whispered.
Kaya had only gone over with the intention of surprising her boyfriend during a busy week, maybe making out for a while like they had in his home studio years ago, maybe sneaking out to go grab a coffee. Unearthing a rudimentary fantasy that neither of them knew existed had not been part of the plan, but they’d rolled with it to achieve vastly satisfying results.
Now, Kaya feels similar stirrings low and deep in her abdomen, the same impulse in response to how intensely Namjoon is gazing at her, almost amused, but mostly hopeful - and this time, on her turf.
“I’m sure I can offer you something in return,” he suggests after a moment.
She raises an eyebrow, trying to ignore the leap in her chest. “Are you bribing me for a grade?”
“I’m bribing you really well for a grade,” he corrects her, reaching for her hips and gently squeezing her arse. “Fuck, that’s tight,” he mutters, his eyes falling to her skirt.
Kaya gasps, feeling her core tingle suddenly. “So far, you’re only teasing me for a grade,” she retorts, unable to keep the annoyance out of her voice.
Namjoon grins, dimple popping and eyes darkening. Without another word, he lowers his head to kiss her again, slipping his tongue into her mouth instantly. He squeezes her arse again before bringing his hands up higher, his fingers tightening on every curve and quietly grunting in pleasure when he reaches her chest.
“Have I mentioned how much I love this top?” he murmurs against her lips, squeezing her left breast and swallowing her sigh. “It makes your boobs look so sexy. I couldn’t look away the whole time,” he adds quietly, running his thumb over her nipple. Even through her bra, he can feel it hard and straining against the fabric.
“I can take it off,” she offers, struggling to keep her legs pressed together and her wits about her amidst his body up against hers. She fumbles in the chiffon ruffles for the string and tugs at it, loosening the top and feeling the tops of her breasts exposed to the cool air conditioner. She moves to take it off but he stops her.
“Keep it on,” he says, catching her wrist and bringing it down. “It’s too pretty to take off.” His lips move down her jaw to her neck, cupping her breast and thumbing her nipple again.
Kaya finds herself torn between regretting and being glad that she isn’t wearing a padded bra today. She lets out a soft sigh as he thumbs it again, his hair brushing her neck as she drops her head back slightly. His lips move lower, sucking a mark above the hem of her bra and she waits eagerly for him to pull down her top, knowing he’ll take his time.
He never does, though, straightening up as his hands smoothly moving down her chest and to her hips.
“I hate you,” she groans softly, her heart fluttering at his chuckle next to her ear.
Namjoon reaches down and pulls her skirt up her thighs until he can slide his hand in between her legs. He places his palm against her cunt and squeezes it, feeling her soaked through her underwear. “No, you don’t,” he murmurs, swallowing her gasp.
He rubs her through her underwear, his palm at her clit and his fingers right at her entrance. Kaya’s hands fall backwards to land on the table, supporting her as her knees feel weaker by the second. Namjoon holds her to him, though, his other hand on her arse as he presses her into his palm.
“Take it off, take it off,” she whines, dropping her head on his shoulder and grabbing his forearm for support. She breathes a sigh of relief as he silently tugs her underwear down, feeling the fabric fall down her legs just before he resumes his position: his palm rough against her clit and his fingers slowly sliding inside her walls.
“How close are you?” he asks against her lips, his tongue teasing hers.
“So - so fucking -” She breaks off into a moan as he moves his hand in a circular motion, giving her exactly the friction she so desperately needs. “Yes, yes…”
Namjoon pulls her closer as she climaxes, kissing her exposed neck and holding her as she screws her eyes shut, breathing heavily as she comes down from her high.
“Shit,” she whispers, eyes fluttering open after a few moments when she feels his hands slide off her. “That was - that was - wait, what are you doing?”
He simply raises an eyebrow as he unbuckles his belt and unbuttons his jeans, his erection straining through the material of his boxers. “What do you think?” he asks, wrapping an arm around her waist and hitching her up on the table. “I’m earning my grade.”
Kaya laughs breathlessly, her heart racing at his strength and the desire in his eyes. “You know this is my office, right?” she tells him as he gently spreads her legs and comes to stand in between them. “I work here.”
“And I work in my studio,” he replies, lowering his head to kiss her. “Didn’t mean I couldn’t take a break.”
It’s true, she agrees privately, kissing him back. The intern bit had gone on only for a few minutes before she’d felt Namjoon’s hand come up from behind her and slide in between her thighs, palming her until she’d silently unbuttoned her jeans in response. He’d fingered her there, too, muttering soothingly that her boyfriend would never find out - that, as his other hand reached up her top to squeeze her breast, her secret was safe with him.
His mouth is on her clit now, sucking softly at the swollen nub. The thought of him on her knees for her, here, in her office, only gets her wet again. His lips, soft and ample, glide through her folds as he holds her legs apart, hands gentle but firm on her thighs.
“God, I want you so bad,” he mutters, standing back up and wiping his mouth. Kaya tugs him closer by the t-shirt, kissing him while he lowers his boxers until she feels his tip on the inside of her thigh. She whimpers in anticipation into his mouth, their lips separating but brushing against each other as he eases himself inside her.
“Yes - oh, God…”
Namjoon feels so big, so thick inside her that she doesn’t even register when he starts moving, his groan low and throaty. She leans back slightly, resting her elbows back on the table so he can get a better angle as he keeps going, his arm tight around her waist.
“Fuck, you feel amazing, baby,” he murmurs at her neck, his voice reverberating through her bones. His lips trail down her collarbone, to her breasts, partially uncovered and moving in rhythm with every whimper she makes. He grabs her other thigh, fucking her harder with each thrust.
“How am I doing?” he asks after a few moments, pulling her up to kiss her again.
“What?” she answers absently, her hands reaching for his neck as she kisses him back. One of her hands glides through his hair and he grunts at the feel of her nails against his scalp.
“How am I doing?” he repeats pulling away slightly and picking up the speed. “Grade-wise?”
“Oh.” She chuckles, pulling playfully at his hair. He suspects she can barely focus on what he’s saying until she meets his eyes, her lips an inch away from his. “B-minus,” she murmurs, her body still moving from the intensity of his thrusts but her gaze steady.
Namjoon’s chest leaps. “Have to fix that,” he mutters, pulling out abruptly. Ignoring her momentary gasp, he picks her up to put her back down on the floor, before holding her shoulders and turning her around until she’s facing the table. She falls forward on her hands in surprise, feeling him sweep her long hair over one shoulder.
He kisses the other shoulder softly, one arm coming protectively around her waist. “Tell me if you want me to stop, okay?” he whispers clearly next to her ear, kissing her cheek tenderly.
Kaya nods, feeling his arm tighten around her and knowing the moment has passed. She bends forward a bit more as he enters her, trying to suppress her groan so it doesn’t carry out of the room but it’s too difficult. He feels incredible; the new angle allows him to hit every nerve ending he couldn’t reach before and he begins moving again, sliding smoothly in and out of her, his low grunts in sync with his movements.
Back then, in his studio, Kaya had been the one to change the tone, turning around on his lap and straddling him on his chair. Ground-breaking music swept aside, she’d rode him in the Big Hit building until they’d both cum together for the first time that afternoon. The walls were soundproof and there had been no fear of being heard; the sounds Namjoon had elicited from her less than hour later when they’d fucked on his couch had been unbelievable, leaving her with legs too shaky to walk herself out after that.
Now, in a quieter work environment, the air is filled with sounds of pleasure; her whimpers increasing in frequency and the soft sounds of skin on skin escaping in between. Namjoon’s hands are tight on her hips, holding her steady as he pounds into her.
Kaya has no opportunity to warn him when she cums again, finally letting herself moan out loud as he hits the spot and she feels the the heat travel from her core to the rest of her body. She shudders and falls forward on her hands, trying to catch her breath as Namjoon keeps going, faster now, his grip on her hips tightening.
“Fuck, baby, I’m gonna cum…” Namjoon’s thrusts are harder, his hips slamming against her until he pushes forward with a muffled groan against her shoulder, followed by two more slower thrusts, emptying himself inside her. As he pulls out slowly, Kaya feels his seed drip down her legs; cringing slightly, she reaches for the box of tissues at the corner of her desk and wipes herself down as Namjoon pulls up his jeans and zips them up.
“Come here,” he murmurs, turning her around gently and capturing her lips in a kiss before she has a chance to respond. It’s less desperate this time, more loving. Kaya, still trying to breathe normally, kisses him back but pulls away quickly.
“I need a moment,” she says tiredly, leaning back against the desk and panting. He chuckles and nods, wrapping his arms around her waist and lowering his head to her shoulder.
“How about now?” Namjoon murmurs against her skin, stroking her back and pressing soft, lingering kisses to her neck. “Did I do better? Oh, hang on.” He notices something on the floor and kneels down.
Kaya’s forehead clears when she remembers. “Oh. I guess you talked yourself into an A,” she ventures, looking down when he taps her leg. It’s her underwear on the floor; a blush creeping up her neck, she awkwardly steps into it, her hands on his shoulders for support. He pulls it up her legs and she adjusts her skirt over it, biting her lip as he stands up again.
“Okay, an A plus,” she allows, giggling as he pulls her back into his arms.
He winks. “I thought so. Although, I really feel like I have to clear this up,” he adds, running a hand through his hair and taking a deep breath. “I was… I was a really good student. A grea student, in fact. I studied really hard and never skipped a class, so I never actually needed to go the extra mile or do anything that -”
Kaya laughs, pushing him away playfully and stepping away from the desk. “I never doubted you, honey. Don’t worry,” she reassures him, rifling through a stack of test papers before stopping. “I still have a quick meeting with Adam about the next class… do you want to wait? Or I can meet you at home?”
Namjoon frowns slightly before shrugging. “I can wait.”
“Are you sure?”
“Yeah.” He nods, linking his fingers with hers. “I’ll take you out to dinner after, at that place by the river,” he adds, tugging slightly and kissing her cheek.
Kaya chuckles. “You love that place. Alright, I’ll be back in about half an hour, I think.” With a massive effort, she steps away from him and grabs her bag.
“Alright, love you. Oh, wait -” He reaches forward and adjusts the sleeve of her top, covering the corner of a hickey on her chest. “There.”
“Stop it, you already got the grade you wanted,” she teases, walking backwards.
Namjoon grins. “Don’t let him keep you too long,” he warns her as she leaves, “or I might have to come find you and ask for another grade.”
—
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what jobs would enhypen have if they weren't idols? 😆
Heeseung || page of swords, two of wands: Music journalism or audio engineering/producing; perhaps a little bit of both, since we have the 2oW!
Jay || the star, death: I think Jay would still be working in the entertainment industry, somehow. He would still be in the spotlight, performing - solo artist or producer are my bets.
Jake || the fool, page of wands: Content creator was the first thing that came to mind, to be honest. He could've settled for a social media influencer-type of job or I could also see him being a social media manager or advisor of sorts.
Sunghoon || two of wands, five of swords: I can see Sunghoon doing some coaching work, but I really can't tell in which field. He could even be a supervisor or be in charge of regulations (establishing and/or making sure people are following them).
Sunoo || seven of wands, two of pentacles: I see a sales representative kind of job? Like pitching a company's/person's product/services to the public or to a client. Could even be something related to finance or investments, with him juggling many things at once and trying to find a way to please both sides (company vs client).
Jungwon || four of pentacles, three of swords: Restauration and/or conservation of something…? I see Jungwon working with either very old or very damaged items and fixing them or giving them a new life. For some reason I also heard "dentist"?? Like fixing teeth, maybe.
Ni-ki || nine of cups, four of wands: I totally see him opening his own restaurant, bar, club or cafe at some point, and having that be his lifelong passion project. This place would be fun, full of entertainment and definitely rich in art and culture.
(Disclaimer: Based on current energies. All readings are alleged and for entertainment purposes only.)
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Being a cdrama fan is frankly exhausting, you can't just enjoy the creativity and stories bc there are a 100 behind the scenes considerations and changes happening all the time. I know most industries don't respect writers but chinese dramas take the cake, they're the least respected when their work is the most important, it's why so many dramas end up being horrible. And these new regulations are so frustrating because some shows need 50 or 60 or 70 episodes, nirvana in fire joy of life ming lan, already a lot of shows are cutting their episodes so they air at the same time instead of waiting 12 months, how the hell are you going to tell a 60 or 55 episode story in 40 or less episodes? They keep adding these insane rules as if they're trying to kill the industry outright, you can't make harem shows, you can't make queer shows even if they're sanitized to high heaven, lord forbid couples have sex or sometimes even kiss like normal people, you can't have reincarnation which is why we end up with so many shitty rushed xianxia endings they can't give us more. Sometimes you find something so great it makes all the mess worth it but the way they're going they're not going to leave room for even the tiny tiny slivers, the 0.01% of dramas that are great that somehow manage to make it through the cracks despite their best efforts. It's clear their is something very wrong with the industry when they make 400 dramas a year yet not even 40 of them are good, it's truly the wild west out there bc most of these dramas you'd watch them and think they're money laundering schemes bc no way this actually got made. They need to stop caring about pretty faces and paying them insane amounts of money and start hiring good writers but I'm not going to hold my breath... Sorry for the rant I just had to let this out lmao
let it all out anon: this is a safe space :) i wholly agree with everything you said since i'm a firm believer in that while you could aim for a very tight, cohesive&coherent writings (which i assume would be the aim of this rule); there's only so much you could tell before that compression ceiling hits& all hell broke loose in terms of story telling.
to add more to your examples, i cackled in imagining just how absurd it would be if NEF, rebel princess, secret advisors, three kingdoms cut down to those limits at it might result in qi heng being non existent (minglan), advisors being a singular advisor instead& more. and those, like your examples are the kind of dramas that (similar to the examples mentioned) needed the length to fully flesh out their dimensions.
i do not know what to say to make you feel better about it but my personal approach (esp recently) is just to have no hope about it, zero expectations-- then if it turns out to be good; it'll be a very nice surprise (personal example: currently airing LYF. i expected nothing&even side eyeing it a bit before it airs because well uh the casts&promos shown didn't tickle my fancy one bit back then-- and now it's practically my current obsession)& if it's not then it'll be just a passerby of a show and no investment (time/interest) was made whatsoever :)
or may i suggest venturing more to kdramaland as they have all sorts of good ones recently/currently airing (19th life, my dearest& lovely liar to name a few)& i heard from a very trusted source (@dangermousie) they have quite the stack waiting in line to air some of which you could see from the poll here: https://www.tumblr.com/dangermousie/725177465537003520/the-sageukcostume-kdrama-you-are-most-looking?source=share
you have a good day now anon :)
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Democratic St. Louis Mayor Tishaura Jones’ support of gun control is coming into question after an open records request released thousands of her personal texts, including one that argued gun crackdowns are ineffective.
"Chicago has strict gun laws as well but that doesn't deter gun violence," Jones texted in a group chat to her dad, Virvus Jones and advisor Richard Callow on March 21, KSDK reported. "It's about investing in the people."
Thousands of Jones’ texts from her personal cellphone were publicly released last week after KSDK and the St. Louis Business Journal filed separate Sunshine Act requests for her communications regarding the political appointment process for a Circuit Attorney.
Her private message appears to contradict public comments she has made in the past, including after a mass shooting in the city last month that killed one and left 11 others injured.
ST. LOUIS CHECKS IN AS AMERICA'S MOST DANGEROUS CITY WHILE BALTIMORE SUBURB RANKS AS THE SAFEST: STUDY
"Our state's lax gun laws make our challenge even more difficult," Jones said in June following the shooting. "The legislature's lack of action on gun safety laws encourages the proliferation of guns on our streets and puts our responding officers directly in harm's way."
Jones also joined other cities across the country in declaring June 3 as "Gun Violence Awareness Day," where the mayor argued the Senate "must protect our families" by "expanding background checks to all gun sales, regulating assault weapons, and passing a federal red flag law."
VIOLENT CRIMES ON THE RISE IN 2022, FOLLOWING PREVIOUS UNPRECEDENTED SPIKE IN MURDERS
In another text to her father and Callow, Jones recounted how Newark, New Jersey, has similar demographics to St. Louis, but far fewer murders, citing Newark’s investment in violence prevention programs.
"Newark, NJ has the same size population, same size police force, and similar racial demographics, yet had 50 murders in 2022," she wrote, KSDK reported. "I visited these programs first hand and I know that they work. We just need the will…."
St. Louis recorded 200 homicides in 2022, 201 in 2021, and 263 in 2020, according to data published by the St. Louis Police Department. The city often has one of the highest murder rates in the nation, alongside cities such as Chicago and Baltimore.
The mayor’s office has since gone into "damage control mode," according to KSDK, with Jones’ spokesman releasing a statement last week clarifying the mayor’s stance on gun control.
"Gun laws are just one part of the solution," Jones spokesman Nick Desideri said. "There’s a difference between deterring behavior and making it harder to get firearms and weaponry; for example, there’s no doubt that gun laws in the blue region around Newark help reduce violence as opposed to here."
SOROS-BACKED PROSECUTOR IN ST. LOUIS ABRUPTLY RESIGNS AFTER SCANDAL-RIDDEN TENURE
In other texts, Jones appeared to agree with her public statements in support of gun control.
"We have way too many guns on our streets and no way to take them away," she said in a text message on May 10, according to KSDK.
They mayor also took issue with an op-ed written by Republican state Sen. Cindy O'Laughlin, which argued for city leaders to emphasize education, employment training and economic development to reverse crime trends in St. Louis.
"St. Louis needs to clean up its act in many ways. It starts with reducing crime. We are also working to improve our schools statewide and there’s no better place to start than in St. Louis. The costs of crime and an unskilled workforce is costing the entire state in many ways," O'Laughlin wrote in The Missouri Times.
ST. LOUIS FATAL SHOOTING CLAIMS LIVES OF WOMAN AND 2 CHILDREN IN COUNTY HOME
Jones mocked the op-ed on text, summing it up as "basically" saying, "'Thanks for staying in STL even tho we’re responsible for the horrific amount of guns on your streets.'"
Desideri took to Twitter last week to share a message from Jones, which stated the texts were released due to an "honest mistake."
"I’ve never been one to hide my feelings," the message relayed by the spokesman stated. "Through an honest mistake, text messages between my family and close friends were released to the public. Sometimes my words can be terse, and my text messages speak for themselves. I understand the impact of some of my comments, and will contact the relevant parties to ensure productive dialogue moving forward."
MISSOURI ATTORNEY GENERAL BLAMES ST. LOUIS PROGRESSIVE DA FOR CITY REACHING 'CRISIS POINT'
The texts between Jones, her father and Callow were gathered following the open records requests in connection to Kim Gardner stepping down in May as St. Louis circuit attorney. Typically, such materials are reviewed and portions redacted before they are released to the public, but the texts were published wholesale in a 135-page PDF document, according to KSDK.
The PDF was removed just a couple days after it was published and replaced with a shorter and redacted version.
The mayor’s office did not immediately respond to Fox News Digital’s request for additional comment on the matter.
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Unlocking the UAE's Golden Visa Maze: Insider Tips for Success
Welcome, aspiring adventurers, to the exciting world of Golden Visas Services in the UAE! If you've ever dreamt of unlocking new opportunities, exploring vibrant cultures, or building a brighter future in one of the world's most dynamic hubs, then you're in the right place. In this guide, we'll be your compass, navigating the Golden Visa maze with insider tips and expert advice to ensure your journey is not just successful but also fulfilling. So, grab your map, pack your enthusiasm, and let's set sail on this exhilarating voyage towards your Golden Visa dream!
1. Understanding Golden Visa Eligibility Criteria
Before setting sail, ensure you're eligible. The UAE offers Golden Visas to investors, entrepreneurs, talented professionals, and retirees. Each category has specific criteria, like investment thresholds or retirement fund requirements. Check your eligibility based on your profile and aspirations.
2. Gathering the Required Documents
Assemble your crew of documents for the journey. Common documents include passport copies, proof of investment, bank statements, and a clean criminal record certificate. For investors, additional documents like business plans, trade licenses, and property ownership deeds may be required. Double-check the specific document checklist based on your chosen Golden Visa category.
3. Plotting Your Investment Strategy
Choosing the right investment is crucial. Opt for real estate, business ventures, or innovation projects that align with UAE regulations and contribute to the economy. Research thriving industries, consult with financial advisors, and consider long-term sustainability when crafting your investment strategy.
4. Crafting a Stellar Business Plan
A well-crafted business plan is your treasure map to Golden Visa approval. Highlight your business concept, market analysis, financial projections, and growth strategies. Emphasize how your venture will create jobs, drive innovation, or enhance the UAE's economic landscape. Tailor your business plan to showcase value, feasibility, and alignment with UAE's vision for growth and development.
5. Navigating the Golden Visa Application Process
Embark on your Golden Visa application journey through the relevant government authority, such as the Federal Authority for Identity and Citizenship (ICA), the Ministry of Economy, or local immigration departments. Follow the online application portal or engage with authorized representatives for a smooth submission process. Timing, transparency, and professional assistance are key for success.
6. Insider Tips for Smooth Sailing
Apply During Economic Stability: Submit your application during periods of economic growth and stability for higher chances of approval.
Engage Legal or Immigration Consultants: Consider hiring legal or immigration consultants for expert guidance and assistance throughout the application process.
Be Transparent and Consistent: Disclose accurate information and ensure consistency across all documents to avoid delays or rejections.
Showcase Long-Term Commitment: Highlight your commitment to long-term engagement in the UAE through investment diversification or strategic partnerships.
As we reach the shores of our Golden Visa adventure, it's time to reflect on the invaluable insights and strategies we've uncovered. From understanding eligibility criteria to crafting stellar business plans and navigating the application process, you've gained the tools and knowledge needed to steer your course towards success.
Remember, patience and preparation are your steadfast companions in this journey. Keep abreast of UAE's visa policies, adapt your strategies as needed, and stay committed to your long-term goals. Whether you're an investor, entrepreneur, or talented professional, the UAE's Golden Visa offers a gateway to new horizons and endless possibilities.
#GoldenVisa#GoldenVisaServices#MainlandGoldenVisa#LongTermResidencyVisa#InvestorVisa#GoldenVisaServicesUAE#365proservices#proservices#uaevisaservices#uaeconsultancy#businesssetupdubai
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Investing 101
Part 4 of ?
What to Buy
I've been procrastinating this post because I have a broker who provides buying/selling recommendations to me as I'm not an expert. Having said that, I can provide some information.
The first decision to make is whether to buy stocks or bonds. I explained the difference between the two in previous posts but I should add a caveat. Normally bonds are considered a safe but lower return investment to balance your portfolio and reduce risk. The moves by the Fed to control inflation however have raised interest rates on bonds to levels not seen in >40 years. For the first time in a long time, very safe bonds (ex. US Treasuries) are yielding more than equities and you can lock in those rates for a long time. Normally I'd advise a young person to avoid any bonds, but this is a strange time and some bonds would be a good investment for almost anyone. As with stocks, you can buy individual bonds or a bond fund.
What is a fund? Let's imagine that you want to own a basket of tech stocks (or bank stocks or consumer goods stocks, etc.). You could research various companies and make your purchases or you could buy a mutual fund. Mutual funds are actively managed investment pools with specific investment philosophies (ex. focused on tech stocks) - you purchase shares in the fund and the fund manager uses your money (and the $$ of other fund investors) to buy/sell shares in accordance with the philosophy/purpose of the fund. Actively managed means that there is a management team doing investment research and then buying and selling shares. Of course the management team costs money and they deduct their fee from the earnings pool prior to distributing the fund's earnings back to the owner/investors of the fund. Fund managers argue that their active management improves your earnings while lowering your risk. Detractors argue that management fees are too expensive and over the long run, investors can do better on their own (more on that later). Management fees aren't regulated (that I'm aware of) so investors have to be cautious - some funds have very expensive management fees while others are more frugal. Morningstar is a great resource for researching investments of all types, including funds.
An alternative to a Mutual Fund is an Index or Exchange Traded Fund. These funds are designed to mirror the composition and performance of an entire stock exchange (ex. NASDAQ). So if the NASDAQ goes up 10pts today, the related Index or Exchange traded fund will also go up 10pts. This is a low cost way to invest in the performance of the overall market. Many advisors recommend these investments for superior long term growth. These funds aren't actively managed by a human, but their low cost makes them a winner.
Speaking of humans, AI managed funds are increasingly a hot topic. I may own some of these funds and not even know it, but I'm not seeking AI management. In fact, automated trading can be problematic and cause 'flash crashes' for the market when every AI algorithm tries to sell at the time.
Target Date funds are another kind of mutual fund which is increasingly popular in 401Ks and 529 college savings plans. A target date fund is designed to manage risk and volatility with a specific life goal in mind. For example, you might establish a goal retirement date of 2040 and buy a Target Date fund for that year. The 2040 fund will automatically invest in higher risk/higher return equities in the first 20 years and gradually shift more of the portfolio to lower risk investments (like bonds) as your target date approaches.
Money market funds are a very low risk way to earn better returns on your emergency fund cash than allowing it to wallow in a bank savings account. A money market is a kind of mutual fund, but it owns very safe investments - the odds are very small that you'd lose money and instead you'll have a very liquid, safe investment that you can use in case of emergency.
What about individual stocks? Some investors follow the simple strategy of buying the stocks of companies whose products they know and admire. Ex, "I like my iPhone so I'm going to buy Apple stock." In >30 years of investing I have never purchased an individual stock. My rationale is that there is an entire industry of very smart people who do nothing but research and invest. The odds that I can outsmart them and pick a company which everyone else has undervalued are small. If I've read about it in the Wall Street Journal, so has everyone else and the opportunity to buy something cheap is long gone. In my opinion, buying individual stocks is like going to Vegas - of course you will hear stories of big winners, but in general the house (full time investment professionals) always wins. For a non-professional like me, the odds of selecting individual stocks and assembling a winning portfolio over the long term aren't in my favor.
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https://www.reuters.com/business/autos-transportation/tesla-lay-off-more-than-10-its-staff-electrek-reports-2024-04-15/
BERLIN, April 15 (Reuters) - Tesla (TSLA.O), opens new tab is laying off more than 10% of its global workforce, an internal memo seen by Reuters on Monday shows, as it grapples with falling sales and an intensifying price war for electric vehicles (EVs).
"About every five years, we need to reorganize and streamline the company for the next phase of growth," CEO Elon Musk commented in a post on X. Two senior leaders, battery development chief Drew Baglino and vice president for public policy Rohan Patel, also announced their departures, drawing posts of thanks from Musk although some investors were concerned.
Musk last announced a round of job cuts in 2022, after telling executives he had a "super bad feeling" about the economy. Still, Tesla headcount has risen from around 100,000 in late 2021 to over 140,000 in late 2023, according to filings with U.S. regulators.
Baglino was a Tesla veteran and one of four members, along with Musk, of the leadership team listed on the company's investor relations website.
Scott Acheychek, CEO of Rex Shares - which manages ETFs with high exposure to Tesla stock - described the headcount reductions as strategic, but Michael Ashley Schulman, chief investment officer at Running Point Capital Advisors, deemed the departures of the senior executives as "the larger negative signal today" that Tesla's growth was in trouble.
Less than a year ago, Tesla's chief financial officer, Zach Kirkhorn, left the company, fueling concerns about succession planning.
Tesla shares closed 5.6% lower at $161.48 on Monday. Shares of EV makers Rivian Automotive (RIVN.O), opens new tab, Lucid Group (LCID.O), opens new tab and VinFast Auto also dropped between 2.4% and 9.4%.
"As we prepare the company for our next phase of growth, it is extremely important to look at every aspect of the company for cost reductions and increasing productivity," Musk said in the memo sent to all staff.
"As part of this effort, we have done a thorough review of the organization and made the difficult decision to reduce our headcount by more than 10% globally," it said.
Reuters saw an email sent to at least three U.S. employees notifying them their dismissal was effective immediately.
Tesla did not immediately respond to a request for comment.
MASS MARKET
The layoffs follow an exclusive Reuters report on April 5 that Tesla had cancelled a long-promised inexpensive car, expected to cost $25,000, that investors have been counting on to drive mass-market growth. Musk had said the car, known as the Model 2, would start production in late 2025.
Shortly after the story published, Musk posted "Reuters is lying" on his social media site X, without detailing any inaccuracies. He has not commented on the car since, leaving investors and analysts to speculate on its future.
Tech publication Electrek, which first reported, opens new tab the latest job cuts, said on Monday that the inexpensive car project had been defunded and that many people working on it had been laid off.
Reuters also reported on April 5 that Tesla would shift its focus to self-driving robotaxis built on the same small-car platform. Musk posted on X that evening: "Tesla Robotaxi unveil on 8/8," with no further details.
Tesla could be years away from releasing a fully autonomous vehicle with regulatory approval, according to experts in self-driving cars and regulation.
Tesla shares have fallen about 33% so far this year, underperforming legacy automakers such as Toyota Motor (7203.T), opens new tab and General Motors (GM.N), opens new tab, whose shares have rallied 45% and about 20% respectively.
Energy major BP (BP.L), opens new tab has also cut more than a tenth of the workforce in its EV charging business after a bet on rapid growth in commercial EV fleets did not pay off, Reuters reported on Monday, underscoring the broader impact of slowing EV demand.
WORKS COUNCIL
A newly elected works council of labour representatives at Tesla's German plant was not informed or consulted ahead of the announcement to staff, said Dirk Schulze, head of the IG Metall union in the region.
"It is the legal obligation of management not only to inform the works council but to consult with it on how jobs can be secured," Schulze said.
Analysts from Gartner and Hargreaves Lansdown said the cuts were a sign of cost pressures as the carmaker invests in new models and artificial intelligence.
Tesla reported this month that its global vehicle deliveries in the first quarter fell for the first time in nearly four years, as price cuts failed to stir demand.
The EV maker has been slow to refresh its aging models as high interest rates have sapped consumer appetite for big-ticket items, while rivals in China, the world's largest auto market, are rolling out cheaper models.
China's BYD (002594.SZ), opens new tab briefly overtook the U.S. company as the world's largest EV maker in the fourth quarter, and new entrant Xiaomi (1810.HK), opens new tab has garnered substantial positive press.
Tesla is gearing up to start sales in India, the world's third-largest auto market, this year, producing cars in Germany for export to India and scouting locations for showrooms and service hubs in major cities.
Tesla recorded a gross profit margin of 17.6% in the fourth quarter, the lowest in more than four years.
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[The Daily Don]
* * * *
LETTERS FROM AN AMERICAN
April 27, 2023
HEATHER COX RICHARDSON
APR 28, 2023
Catie Edmondson and Carl Hulse in the New York Times yesterday noted that House speaker Kevin McCarthy (R-CA) cannot bring his conference together behind a budget plan. He wanted to pass a bill demanding major concessions from President Biden before the Republicans would agree to raise the debt ceiling, both to prove that he could get his colleagues behind a bill and to put pressure on the Biden administration to restore the old Republican idea that the only way to make the economy work is to slash taxes, business regulation, and government spending.
McCarthy was pleased to have passed his measure with not a single vote to spare, but it appears he got the vote because everyone knew it was dead on arrival at the Senate. According to Edmonson and Hulse, McCarthy got the bill through only by begging his colleagues to ignore the provisions of the measure because it would never become law. He urged them to focus on the symbolic victory of showing Biden they could unite behind cuts.
But today at the Brookings Institution, National Security Advisor Jake Sullivan outlined a very different vision of the global economy and American economic leadership. First of all, just the fact this happened is significant: Sullivan is a national security advisor, and he was talking about economics. He outlined how Biden’s “core commitment,” “his daily direction” is “to integrate domestic policy and foreign policy.”
Sullivan argued for a new economic approach to the challenges of the twenty-first century. The Biden administration is trying to establish “a fairer, more durable global economic order, for the benefit of ourselves and for people everywhere.”
The U.S. faces economic challenges, he noted, many of which have been created by the economic ideology that has shaped U.S. policy for the past 40 years. The idea that markets would spread capital to where it was most needed to create an efficient and effective economy has been proven wrong, Sullivan said. The U.S. cut taxes and slashed business regulations, privatized public projects, and pushed free trade on principle with the understanding that all growth was good growth and that if we lost infrastructure and manufacturing, we could make up those losses in finance, for example.
As countries lowered their economic barriers and became more closely integrated with each other, they would also become more open and peaceful.
But that’s not how it played out. Privileging finance over fundamental economic growth was a mistake. The U.S. lost supply chains and entire industries as jobs moved overseas, while countries like China discarded markets in favor of artificially subsidizing their economies. Rather than ushering in world peace, the market-based system saw an aggressive China and Russia both expanding their international power. At the same time, climate change accelerated without countries making much effort to address it. And, most of all, the unequal growth of the older system has undermined democracy.
Biden has attempted to counter the weaknesses of the previous economic system by focusing on building capacity to produce and innovate, resilience to withstand natural disasters and geopolitical shocks, and inclusiveness to rebuild the American middle class and greater opportunity for working people around the world.
After two years, the results have been “remarkable.”
Large-scale investment in semiconductor and clean energy production has jumped 20-fold since 2019, with private money following government seed money to mean about $3.5 trillion in public and private investment will flow into the economy in the next decade. Building domestic capacity will bring supply chains home and create jobs.
But this vision is not about isolating the United States from other countries. Indeed, much of the speech reinforced U.S. support for the positions of the European Union.
Instead, the U.S. is encouraging our allies—including developing nations—to build similarly to increase our united economic strengths and to enable the world to address climate change together, a field that offers huge potential for economic growth. The Indo-Pacific Economic Framework with 13 Indo-Pacific nations is designed to create international economic cooperation in that region, and the Americas Partnership for Economic Prosperity, which includes Barbados, Canada, Chile, Colombia, Costa Rica, the Dominican Republic, Ecuador, Mexico, Panama, Peru, and Uruguay, is designed to do the same here in the Americas. The U.S.-E.U. Trade and Technology Council and our trilateral coordination with Japan and Korea are part of the same economic program.
With this economic approach, the U.S. does not seek to cut ties to China, but rather aims to cut the risks associated with supply chains based in China by investing in our own capacities, and to push for a level playing field for our workers and companies. The U.S. has “a very substantial trade and investment relationship” with China that set a new record last year, and the U.S. is looking not to create conflict but to “manage competition responsibly” and “work together on global challenges like climate, like macroeconomic stability, health security, and food security.” “But,” he said, “China has to be willing to play its part.”
In today’s world, Sullivan said, trade policy is not just about the tariff deals that business leaders have criticized the administration for neglecting. It is about a larger economic strategy both at home and abroad to build economies that offer rising standards of living for working people.
The administration is now focusing on labor rights, climate change, and banking security in this larger picture. Through organizations like the Partnership for Global Infrastructure and Investment the administration hopes to mobilize hundreds of billions of dollars in financing in the next seven years to build infrastructure in low- and middle-income countries and to relieve debt there.
“The world needs an international economic system that works for our wage-earners, works for our industries, works for our climate, works for our national security, and works for the world’s poorest and most vulnerable countries,” Sullivan said. That means replacing the idea of free markets alone with “targeted and necessary investments in places that private markets are ill-suited to address on their own.” Rather than simply adjusting tariff rates, it means international cooperation.
And, Sullivan said, “it means returning to the core belief we first championed 80 years ago: that America should be at the heart of a vibrant, international financial system that enables partners around the world to reduce poverty and enhance shared prosperity. And that a functioning social safety net for the world’s most vulnerable countries is essential to our own core interests.”
This strategy, he said, “is the surest path to restoring the middle class, to producing a just and effective clean-energy transition, to securing critical supply chains, and, through all of this, to repairing faith in democracy itself.” He called for bipartisan support for this approach to the global economy.
Sullivan noted that the phrase “a rising tide lifts all boats” came from President John F. Kennedy, not from later supply-side ideologues who used it to defend their tax cuts and business deregulation. “President Kennedy wasn’t saying what’s good for the wealthy is good for the working class,” Sullivan said, “He was saying we’re all in this together.”
Sullivan quoted Kennedy further: “If one section of the country is standing still, then sooner or later a dropping tide drops all the boats. That’s true for our country. That’s true for our world. [And] economically, over time, we’re going to rise—or fall—together.”
“And that goes for the strength of our democracies as well as for the strength of our economies.”
Foreign policy journalist Laura Rozen noted that David Wessel of Brookings asked Sullivan for a quick summary of this new economic vision. Sullivan answered: “We’re at a moment now where we need to build capacity to build the goods & invent the technologies of [the] future & we’re going to make the investments to do that—us, +everyone who wants to be in on [the] deal. & then we’re going to build the resilience we need…so that no natural disaster or geopolitical shock can stop us from getting things we need when we need them….”
—
LETTERS FROM AN AMERICAN
HEATHER COX RICHARDSON
#Letters From An American#Heather Cox Richardson#Economy#JFK#brookings inst#Jake Sullivan#economic vision#the future#Middle Class#Democracy#global economy#we're all in this together
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Harnessing Reddit to Build Your Clientele as a Financial Advisor: A Guide to Compliance and Engagement
In the dynamic digital world, staying ahead in the financial advisory business requires excellent financial acumen and proficiency in digital marketing. With various social media platforms at your disposal, knowing how to utilize each one’s unique capabilities can bring prospective clients your way. One such platform is Reddit, often dubbed “the front page of the internet.” Despite being overlooked by many financial advisors, this platform provides a wealth of opportunities for interaction, engagement, and promotion of advisory services.
Understanding Reddit’s Landscape
Reddit is not your average social media platform. It’s a community building and engagement hub, hosting countless “subreddits” or communities around specific topics, including personal finance, investing, retirement planning, and wealth management. By actively participating in these communities, you can position yourself as a trusted industry expert, attracting clients who value your expertise and insights.
Identify Relevant Subreddits
Your first move should be to pinpoint subreddits that align with your niche. Subreddits, such as r/personalfinance, r/investing, and r/financialindependence, are filled with members discussing a broad range of finance-related topics. Regular participation in these discussions will allow you to understand the common queries, concerns, and insights that members share.
Share Valuable Content
On Reddit, content truly is king. Users appreciate content that educates, informs, or entertains. Once you’ve identified common concerns and issues, you can start sharing high-quality content that addresses these needs. Whether it’s blog posts, infographics, insightful videos, or insightful comments on existing threads, your goal should be showcasing your expertise and value, not blatant self-promotion.
Interact and Engage
Reddit thrives on genuine interaction and engagement. Respond proactively to queries, ask thought-provoking questions, and offer valuable insights. Such actions will make you a valued member of the community and highlight your expertise and commitment, making potential clients more likely to trust you with their financial needs.
Staying Compliant with SEC and FINRA Regulations
As a Certified Financial Planner (CFP), it’s paramount to remain compliant with the regulations set by the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA). These guidelines emphasize transparency, integrity, and investor protection from misleading or fraudulent activities. Here are a few key principles to keep in mind:
Transparency and Honesty: Never misrepresent your qualifications, services, or products. Any advice you provide should be honest, realistic, and based on your professional expertise.
Avoid Personalized Financial Advice: To stay compliant, avoid offering specific financial advice. Instead, share general financial information and strategies that are educational in nature.
Adhere to Advertising and Testimonial Rules: Be mindful of SEC and FINRA rules governing advertising. Avoid misleading statements or false claims about your services. Be careful with using upvotes, as they can be seen as testimonials, which are strictly regulated.
Maintain Archival Records: All communications related to your business on Reddit should be archived as per SEC and FINRA regulations. Consider using archiving tools or software for this.
Frequent Monitoring and Review: Regularly review your Reddit activities to ensure compliance. Many firms employ a dedicated compliance officer for this purpose.
Use Reddit’s Advertising Platform
Beyond organic growth and engagement, consider using Reddit’s advertising platform. With precise targeting capabilities, you can create targeted ads for specific subreddits, reaching a highly relevant audience (leads).
Follow-up
Ensure you follow up promptly when users show interest or ask for more details. Whether they message you privately or comment on your posts, a timely, informative response can turn a potential lead into a client.
When used effectively, Reddit can be a powerful tool for financial advisors. The platform presents an opportunity to showcase your expertise, build trust, and connect with prospective clients. Consistency, genuineness, and compliance are your allies in this process. Happy Redditing!
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Elevate Your Financial Journey: MAS LLP, Your Trusted CA Firm in Delhi
In the bustling metropolis of Delhi, amidst the flurry of businesses and enterprises, stands MAS LLP, a beacon of financial expertise and excellence. As one of the leading ( Chartered Accountancy ) Ca firm in Delhi, MAS LLP is committed to guiding businesses, entrepreneurs, and individuals on their financial journey with precision, integrity, and innovation.
Here's why MAS LLP stands out as the go-to CA firm in Delhi:
Depth of Expertise: With a team of seasoned Chartered Accountants and financial experts, MAS LLP brings a wealth of expertise across a wide spectrum of services, including audit and assurance, taxation, advisory, compliance, and more. Our professionals possess in-depth knowledge of Indian financial regulations, accounting standards, and industry best practices, enabling us to deliver tailored solutions that address the unique needs and challenges of our clients.
Comprehensive Services: MAS LLP offers a comprehensive suite of financial services designed to meet the diverse needs of businesses and individuals. Whether you're a startup looking to establish robust financial systems, a multinational corporation seeking tax optimization strategies, or an individual taxpayer in need of personalized tax planning advice, MAS LLP has the expertise and resources to deliver results.
Client-Centric Approach: At MAS LLP, our clients are our top priority. We take a personalized approach to our services, taking the time to understand our clients' goals, challenges, and priorities before crafting customized solutions that drive value and exceed expectations. Our client-centric approach is reflected in every interaction, ensuring that our clients receive the attention, support, and expertise they deserve.
Technology-Driven Solutions: In today's digital age, technology plays a pivotal role in driving efficiency, accuracy, and transparency in financial management. MAS LLP leverages cutting-edge accounting software, data analytics tools, and cloud-based platforms to streamline processes, automate routine tasks, and provide real-time visibility into financial performance. Our technology-driven solutions enable clients to make data-driven decisions with confidence and agility.
Ethical Standards and Integrity: Integrity and ethical conduct are the cornerstones of our practice at MAS LLP.( Ca firm in Delhi ) We adhere to the highest professional standards and ethical principles, ensuring transparency, confidentiality, and integrity in all our interactions with clients and stakeholders. Our commitment to ethics and integrity is unwavering, earning us the trust and confidence of our clients year after year.
Strategic Partnerships: MAS LLP believes in the power of collaboration and strategic partnerships. We work closely with our clients to understand their business objectives and challenges, forging long-term relationships built on trust, mutual respect, and shared success. Our collaborative approach allows us to serve as trusted advisors and strategic partners, supporting our clients' growth and prosperity every step of the way.
Continuous Learning and Innovation: In a rapidly evolving business landscape, staying ahead of the curve is essential. MAS LLP is committed to continuous learning and innovation, investing in professional development, training, and technology to stay abreast of emerging trends, regulatory changes, and industry best practices. Our culture of learning and innovation enables us to anticipate challenges, identify opportunities, and deliver innovative solutions that drive sustainable growth and success for our clients.
For businesses and individuals seeking expert financial guidance and support, MAS LLP is the trusted partner you can rely on. Ca firm in Delhi
Contact us today to learn more about how we can help you elevate your financial journey and achieve your goals with confidence and clarity. Ca firm in Delhi
#audit#accounting & bookkeeping services in india#ajsh#income tax#businessregistration#auditor#chartered accountant#foreign companies registration in india#taxation#ap management services#Ca firm in Delhi
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Preparing For Tax Season: A Checklist For Business Owners
As tax season approaches, business owners must prepare diligently to ensure a smooth and accurate filing process. By taking a proactive approach and organizing financial records in advance, entrepreneurs can minimize stress, reduce the risk of errors, and potentially identify opportunities for tax savings.
Here's a comprehensive checklist to guide business owners in preparing for the upcoming tax season.
Organize Financial Records: Start by organizing all financial records, including income statements, expense receipts, invoices, and bank statements. Keeping these documents in an orderly manner will streamline the tax preparation process and help ensure that nothing is overlooked.
Review Business Structure: Assess whether the current business structure (sole proprietorship, partnership, LLC, corporation) is still the most advantageous for your situation. Changes in business operations or financial circumstances may warrant a reevaluation of your business structure for optimal tax efficiency.
Update Employee Information: Ensure that employee information is up-to-date. Verify Social Security numbers, addresses, and other relevant details. This information is critical for accurate payroll reporting and compliance with tax regulations.
Check Compliance with Tax Law Changes: Stay informed about any changes in tax laws that may affect your business. Tax regulations are subject to updates, and being aware of changes ensures that your business remains in compliance and takes advantage of any new opportunities for deductions or credits.
Verify Vendor and Contractor Information: Confirm that you have accurate information for vendors and contractors, especially if you are required to issue 1099 forms. Having correct details, such as Tax Identification Numbers, will help prevent issues with the IRS and other tax authorities.
Inventory and Depreciation: Review your inventory and assess whether any adjustments are needed. Additionally, evaluate the depreciation of assets and update records accordingly. Accurate depreciation calculations can impact your business's taxable income.
Maximize Deductions and Credits: Identify potential deductions and tax credits that your business may be eligible for. This could include business expenses, home office deductions, research and development credits, and more. Consult with a tax professional to ensure you are taking full advantage of available tax-saving opportunities.
Healthcare Reporting: If you provide health insurance to employees, ensure that you comply with reporting requirements. This includes providing necessary forms such as W-2s and 1095s to employees and filing corresponding documents with the appropriate tax agencies.
Estimated Tax Payments: Review your estimated tax payments for the year. If necessary, make any final estimated tax payments before the tax filing deadline to avoid penalties and interest. Accurate estimates can prevent surprises when it comes time to settle your tax liability.
Evaluate Retirement Contributions: Consider maximizing contributions to retirement plans, such as a 401(k) or SEP-IRA. These contributions can provide tax benefits while helping you plan for the future. Ensure that contributions are made by the applicable deadlines.
Review Losses and Gains: Assess capital losses and gains from investments. Consider strategic moves to offset gains with losses, which can impact your overall tax liability. Consult with a financial advisor to explore the best options for your specific situation.
Engage a Tax Professional: Enlist the services of the best tax preparer for small businesses in Mayfield Heights OH to review your financial records. A tax professional can provide valuable insights and help navigate complex tax regulations.
Familiarize Yourself with Filing Deadlines: Be aware of key tax deadlines for your business, including filing dates for federal and state taxes. Failing to meet deadlines can result in penalties, so mark important dates on your calendar and plan accordingly.
By diligently following this tax season checklist, business owners can position themselves for a successful and stress-free tax filing process. Taking the time to organize financial records, stay informed about tax law changes, and leverage available deductions and credits can contribute to a positive outcome and financial stability for the business.
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Business setup in Dubai
Business setup in Dubai refers to the process of establishing a business entity within the city of Dubai, which is one of the seven emirates of the United Arab Emirates (UAE). Dubai is a thriving business hub known for its strategic location, robust infrastructure, and business-friendly environment. Here is a detailed explanation of business setup in Dubai:
Mainland Business Setup: Mainland business setup allows businesses to operate within the local market of Dubai and the UAE. It requires partnering with a local Emirati sponsor or a local service agent, depending on the nature of the business activity. The sponsor holds a minority share (typically 51%) in the company, while the majority share can be owned by foreign investors.
Free Zone Business Setup: Free zones in Dubai are designated areas that offer attractive incentives and benefits to businesses. These include 100% foreign ownership, tax exemptions, full repatriation of profits, and simplified procedures. Each free zone in Dubai caters to specific industries or sectors, such as Dubai Multi Commodities Centre (DMCC) for commodities trading, Dubai Internet City (DIC) for technology companies, and Dubai Media City (DMC) for media and advertising companies.
Offshore Business Setup: Dubai also offers offshore company formation through jurisdictions such as JAFZA Offshore and RAK Offshore. Offshore companies are not allowed to operate within the UAE market but are ideal for international business activities, asset holding, or as a vehicle for investment and wealth management. They provide privacy, tax advantages, and ease of administration.
Legal Structures: Dubai offers various legal structures for business setup, including Limited Liability Company (LLC), Sole Proprietorship, Partnership, Branch of a Foreign Company, and more. The choice of legal structure depends on factors such as ownership requirements, liability considerations, and business objectives.
Licensing and Permits: Business setup in Dubai requires obtaining the necessary licenses and permits from the relevant authorities. This includes trade licenses, professional licenses, industrial licenses, and specialized permits based on the nature of the business activity. The requirements vary depending on the type of business and the jurisdiction in which it is established.
Office Space and Infrastructure: Businesses in Dubai need to secure suitable office space or facilities to operate. This can be done through leasing commercial spaces, utilizing shared office spaces, or renting virtual offices. Dubai offers state-of-the-art infrastructure, modern office buildings, and world-class amenities to support business operations.
Visa and Immigration Services: Business setup in Dubai includes visa and immigration services for company owners, employees, and their dependents. This involves obtaining residence permits, work permits, investor visas, and other necessary documents from the Dubai Department of Economic Development (DED) and the General Directorate of Residency and Foreigners Affairs (GDRFA).
Compliance and Regulations: Businesses in Dubai must comply with local regulations, including financial reporting, tax obligations, labor laws, and industry-specific regulations. Compliance requirements vary based on the legal structure and the nature of the business activity. It is important to stay updated with the regulations and engage professional advisors to ensure ongoing compliance.
Dubai offers numerous advantages for businesses, including a strategic location that serves as a gateway to the Middle East, Africa, and Asia, a robust infrastructure, a diverse and multicultural workforce, political stability, and a supportive business ecosystem. However, navigating the business setup process in Dubai can be complex, and it is advisable to seek the assistance of experienced business setup consultants who can guide you through the legal requirements, procedures, and best practices to ensure a successful and compliant business establishment.
#business#business services#business setup#business setup company in dubai#business setup consultants in dubai#business setup in uae#business setup services in dubai#businessinuae#businesssetup#businesssetupdubai
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Consultants for Company Formation in UAE 2024
With the incredible emergence of top-notch business infrastructure, an immense influx of foreign direct investment (FDI), and the enticing prospect of tax reliefs (which is absolutely crucial to consider), it’s unquestionable that the UAE undeniably ranks among the top three destinations for establishing a business.
However…
What causes the majority of entrepreneurs to falter in their pursuit of company formation in UAE?
As outlined in a study conducted by Dubai Business Advisors, the primary factors behind this failure are the intricate complexities of business laws and regulations, stringent ownership restrictions, language barriers, and labour laws.
If you aspire to embark on the simpler (and more sensible) path, it is highly recommended that you engage the services of reputable consulting firms specializing in company formation within the UAE. These experts not only comprehend the challenges faced by business owners but are also intimately familiar with the unique business landscape of the UAE.
But the question arises:
Who should you approach for guidance?
An excellent query indeed. Take a look at these five distinguished firms that have established themselves as frontrunners in the UAE business setup market.
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SVB bank failure
I comprehend the reason why SVB failed: its a classic bank run where the bank does not have the liquid assets to fund withdrawals. This the “other shoe dropping” wrt the rapid increase in interest rates.
what stands out to me are two questions: why do companies have that much cash in the bank? How did the financial markets in general fail?
The SVB failed because the financial markets are NOT working. The markets are not providing suitable securities for companies to park their excess cash. SVB was probably seen as a “safe” place to store cash. That assumption is obviously false.
Question: why did the corporate depositors have so much money in cash accounts versus other securities?
Two months ago I was discussing cash management with my financial advisor. The key point he made about Bonds and funds that invest in bonds, is to use rolling maturity. The bond values will lag the market (especially with rapid changes in interest rates), but you wont lose principle. (BTW the change in bond values has to do with the liquidity price not the book value... if you hold bonds to maturity, then you dont lose value). So, back to the question about the depositors... when you have a billion plus of cash to invest you should be able to do something better than stash it in a low interest chequeing account. Something doesnt seem right about that.
Question: why do corporate depositors have so much cash on hand in the first place?
The financial markets “should” provide companies with cash “when and as” they need it through equity and bonds and loans. When a company like Roku has over a billion dollars sitting around “just in case they need it”, this is a clear sign that the financial markets are not working. Different sectors have different requirements for liquidity; but having 2 to 5 years of excess cash on hand is well beyond any reasonable requirement.
I completely understand that companies like the security blanket of having 2 or 3 or 10 years of cash sitting around. However, that is a total waste of shareholder resources, given that shareholders can make better investments with that cash. There is supposed to be a tax on capital to disincentivize hoarding... I guess that tax is not high enough.
When the regulators have time to get around to sifting through remains; I would like them to investigate these two questions: why are corporations not investing their excess cash appropriates? why do corporations have so much excess cash, why cant corporations raise the cash they need in an efficient manner?
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