WeWard Get Paid to Walk!!!
It’s not going to make you rich but I genuinely like the app and use it daily. If it encourages you to walk or run more then bonus.
WeWard is an app that rewards you for steps. It offers surveys but rates are low so I’d stick to other survey sites.
Each day you are given “Wards” (200 Wards = £1) for walking (based on steps).
The methodology for calculating steps to Wards has recently changed into what WeWard describe as "adapting to your pace". Essentially the target is personalised so people who walk more steps can earn even more wards. Previously the cap was 20,000 steps a day but now that can be higher.
For me this means I can earn 1 ward for 3,250 steps up to 42 Wards per day (up from previous 25) for doing 34,000 steps. Your Wards to steps ratio is personalised so depending on your level of activity.
Wards can be converted into cash once you have 3,000 Wards (£15). I received payment within an hour of requesting payout. Proof of payout here and withdrawn proof from WeWard here. Please don’t confuse WeWard with similar apps the 3,000 Wards for £15 hasn’t changed since I started using the app over a year ago.
Not the biggest earner but why not get paid for something you’re already doing.
If you register using my referral code you will receive 50 Wards for creating an account and a further 100 Wards for entering my code: N5FW-n1Cc4
Sign up here or download from the App Store
Then enter my referral code: N5FW-n1Cc4
Non-referral link (same just don’t enter a referral code)

I do not have a good understanding of how an insurance company calculates replacement cost for structures. If you are insuring it so that if anything happens it will completely be replaced, how do they know the details of what was built into it?
For example, I'm buying a property with a large Morton barn that has (10) horse stalls and a connected 60x120 arena and 53' round pen. If it got destroyed, I'd want it replaced with a comparable Morton barn that was built by Morton. Well, the arena has a sprinkler system to wet the footing, so would that be included in the replacement barn? Do I somehow have to tell the agent all the specifics like that or are they just insuring it for whatever I tell them I want it insured for? I got one quote from my current agent and we went with the second level which was roughly $300k replacement for the barn. We went what we thought was high, just to be safe. I then asked another agent, who more deals with horse properties, and with the information in the listing, she quoted a replacement value of almost $600k. This seems like a not very precise process 🤔 I just don't want to be in a position to need to replace the barn and realize the payout is not enough. I mean, do I call Morton and ask how much it would cost to replace? Am I just totally over thinking this?

I get about 50-80K (depending on stock performance) in RSUs from my company every year. I’ve always pulled the money pretty quickly and either put it in savings or into a brokerage. This bit me in the ass in January when the stock jumped $15/share for the first time in years, but that generally hasn’t been the case. I have 3 payouts coming in June that should hopefully amount to $30K if the company can keep its shit together (debatable) and I want to just put it into my VFIAX mutual fund. However, what factors do you all use to decide whether it’s worth it to withdraw your RSU or keep it in? Is there a calculation or stock performance history I should think about?

lost love spells in Australia-Best Love Spells That Work Fast & Easy 2024 are among others lost love spells in Usa cast online and in-store to bring back lost love spells in #24 hours!! simply email (intclairvoyant@gmail.com) Call/WhatsApp: +256755470380 return lost love spells even after all other spell casters have failed!! What are you waiting for?? lost love spells caster in Johannesburg https://powerfulspellspsychic.wordpress.com/ free lost love spells-"Allure Astrology," learn how casting ethical love spells is the perfect way to invite more positive energy into your relationship goals...lost love spells in Uganda. .lost love spells in south Africa lost love spells in Paris France //+256755470380// lost love spells in Singapore -lost love spells in USA lost love spells in Paris- love spells results in #24 hours
black magic lost love spell caster in Uganda +256755470380 how to restore with lost love spells@ Lithuania, India, China, Cuba, Uruguay, Turkey, Maldives, Malta, Mexico, Morocco, Milan, Mali, Malawi, Mozambique, Mongolia, Thailand, Singapore, Russia, Ukraine, Israel, Oman, Yemen, Sudan, Kenya, Chad, Nigeria, Senegal, Ivory coast, Cameroun, Togo, Ghana, Uganda, Tanzania, Zimbabwe, Zambia, Botswana, Namibia, Belize, Jamaica, Brazil, Seychelles, Mauritius 100% guaranteed results mudi spell homes WhatsApp +256755470380
love spell$ Online Best love spell decanter֍+256755470380 (MD , USA ) yet stimulating Love Spells IN Bridgeport CT, Baltimore, MD. 1.֍Get back Ex lover. get your Ex back https://rwenzoripsychics.myportmoni.com/
★ how to reuniting with lovers and make him or her- how to bring lost lover back my powerful bring back in Barbados, Saint Lucia, Palau Andora Tonga Dominica Bahrain Antigua and Barbuda Marshal Monaco Tuvalu Vatican City Nauru Liechtenstein Luxembourg Comoros Sao Tome and Principe Kiribati Samoa Cape Verde Trinidad and Tobago Brunei Cyprus Lebanon Qatar Vanuatu The Bahamas Eswatini Fiji Slovenia Kuwait El-Salvado Djibouti North Macedonia Haiti Burundi Equatorial Guinea Albania Solomon Islands Armenia Lesotho Belgium Moldova Estonia Costa Rica
lost love spells in Washington-We dug into the rich history of love magic to help you wrap your head around how it all works- Powerful Spell To Make Someone Love You((+256755470380 where to Find a spell to make someone love you or specific spells to bring ex back! // lost love spells in usa // lost love spells caster in New York // lost love spells in new york // lost love spells caster in Canada https://rwenzoripsychics.myportmoni.com/
lost love spells in Uk- Powerful Instant Best Love Spells©╬⓿ ☎(+256755470380) U.S.A, U.K, Australia, Singapore, Canada, South Africa, Uganda, Norway, Guam, Grenada, Switzerland, Sweden, Austria&))))
lost love spells in Texas //lost love spells in Norway- How to Make Someone Fall in Love with You//lost love spells in boston // lost love spells in dallas // lost love spells in london // are lost love spells caster in johannesburg cheap??
You are not recommended to try spells to bring a lover back if you are going through the following: You know that your relationship with your ex is toxic and the best painful option to take in this is to move on. It is not a good choice to be in a relationship that is un-natural, one that is built on witchcraft. The love spark as to be their at all times.
Even the most powerful love spell may not fulfill the things that are required for a real relationship to be in place. Love should be natural and if your partner looses interest in you, its better that you let them follow the heart. If one door closes, expect another open infront of you.
Therefore witchcraft or love spells should not be the ultimate solution to mending a broken heart in a relationship, one has to make love exist naturally by doing the right things to your partner, the things that will recapture the inner feelings of love and affection as you did in the start of the relationship.
Only if and when all has been tried and failed to work that one should order for my love spells that actually work, and indeed this will be the last nail in the coffin to fix your troubled relationship permanently.
asmr ariana grande avengers endgame ace family act up apex legends abc song aladdin 2024 ali a avengers endgame trailer amazon amazon prime https://lostlovespellz.wordpress.com/ american airlines airbnb aol mail amtrak apple abcya autozone aol airpods amazon gift cards aa batteries airpod case aaa batteries apple watch band 38mm air fryer apple watch apple watch band 42mm alexa american express accuweather bank of america best buy bryce harper bed bath and beyond billie eilish bitcoin barnes and noble Bosnia Herzegovina Georgia Ireland Sierra leone Brazil Benin Eritrea Honduras Liberia Bulgaria Guatemala South Korea Iceland Hungary Portugal Serbia United Arab Emirates Azerbaijan Serbia Panama Algeria Argentina Kazakhastan bing bb&t bloomingdales bluetooth headphones bluetooth earbuds baby wipes bluetooth headsets bluetooth speakers blood pressure monitor biotin bath bombs blender bubble wrap big lots bbc news britney spears bass pro shop belk baby shark blueface bts bill nye planet on fire blackpink bad bunny bye sister tati bruno mars bohemian rhapsody cardi b cocomelon city girls coryxkenshin ceeday cj so cool chris brown country music clout offset cardi b captain marvel craigslist chase costco capital one cnn cool math games credit karma calculator cvs comcast compression socks women cat litter collagen powder coconut oil condoms coffee grinder creatine crocs women can opener cbd oil craigslist dc chernobyl dry erase markers digital photo frame dog treats dishwasher pods dog bed dog toys diffusers for essential oils https://rwenzoripsychics.myportmoni.com/ dog harness dish soap dry shampoo david dobrik dolan twins drake shaman in uk da baby astrologer despacito dude perfect danielle cohn dantdm ddg darius garland doris day dominos dow jones dictionary detective pikachu dsw doordash dollar tree draft lottery 2024 docs delta airlines discover card login discord domino's pizza drudge report delta driving directions dropbox earbuds essential oils echo dot electric toothbrush extension cord essential oil diffuser external hard drive ear plugs earphones epsom salt ebay espn expedia etsy easter 2025 english to spanish enterprise elizabeth holmes emilia clarke epic games earth emma chamberlain eminem envy me endgame trailer ed sheeran ellen ella mai elmo email edible arrangements ebates enterprise car rental ebay motorsfacebook flights fox news food near me fortnite fashion nova fandango fedex forever 21 fedex tracking fire stick flowers for delivery prime fitbit fitbit charge 2 bands flowers fitbit versa bands food scale fan foam roller fanny pack funny videos fgteev future faze rug funnymike frozen 2 fearless flamingo faucet failure facebook log in to facebook friv facebook search frontier airlines fidelity gift cards for amazon gift card graduation party supplies 2019 gift cards for amazon birthday game of thrones merchandise grandma gifts gaming chair graduation gifts for her garden hose gel nail polish google gmail google translate google maps google classroom google docs game of thrones google flights google drive google slides gabriel zamora gacha life gods country gunna ghost recon breakpoint gypsy rose blancharde gummy bear song genius game grumps google search groupon home depot hotmail hulu harris teeter h&m hobby lobby harbor freight https://rwenzoripsychics.myportmoni.com/ hbo go hbo h&r block happier horses in the back halsey homicide logic happy birthday song high hopes hindi songs hit or miss hey julie h3h3 hdmi cable headphones hydro flask hummingbird feeder hangers hammock heating pad hand soap high waisted swimsuit howard stern comes again hsn hotels huffington post happy birthday it chapter 2 trailer i got the horses in the back imagine dragons i dont care ed sheeran iggy azalea itsfunneh i like it cardi b inside edition inquisitormaster i think moto moto likes you instagram indeed ikea iran ixl ihop icloud irs imdb iphone xr iphone charger iphone xr cases iphone 8 plus case iphone xr screen protector iphone xs max case iphone 7 case iphone x case iphone 8 case iphone 7 plus case iphone 6s case itunes illinois lottery images jcpenney jetblue jennifer aniston joann fabrics juegos friv jimmy john's menu jennifer lopez justice jeep jcp jumpsuits for women jojoba oil jump rope jewelry organizer jade roller jewelry cleaner journal juicer juul charger jewelry box james charles jeffree star jake paul james charles apology juice wrld joe vs james charles joe rogan jeffy jojo siwa j cole jordyn woods john wick 3 ja morant john durham jussie smollett jobs near me jimmy johns jeff bezos keto pills kindle fire kindle paperwhite e-reader keto snacks keto knee brace knife sharpener ketone strips keurig coffee maker kleenex tissues kohl's kahoot kayak kroger kim kardashian khan academy kelley blue book katy perry kizi kylie jenner kohls kevin durant keto diet kamala harris kings dominion keanu reeves kaiser permanente kodak black kevin gates kawhi leonard game winner khalid kids videos for kids kane brown kid cudi playboi carti kendrick lamar ksi lightning cable lingerie for women lol surprise dolls led strip lights laptop lg stylo 4 phone case laundry detergent effective sex love spells that really work how to cast an african love spell to get ex back how to cast an attraction love spell with candles how to cast black magic love spell with blood powerful witchcraft spells for love that work fast most effective witchcraft spells for love how to cast a beauty love spell strong effective sex love spells that really work powerful love spells in surrey, Buckinghamshire and Hertfordshire U.K liquid laundry basket lavender essential oil luggage tags linkedin lowe's home improvement lululemon louis vuitton lands end lord and taylor lady gaga lane bryant little caesars lexus lil baby logan paul lazarbeam lil nas x old town road lachlan lia marie johnson lil wayne lil uzi vert lil pump lil durk lowes lakers loft lebron james labcorp lindsey graham mothers day gifts for mom from daughter mothers day gifts for wife metal straws mothers day card micro sd card mouse pad maxi dresses for women makeup brush set mothers day flowers for delivery prime only mct oil murders on my mind music mrbeast maleficent 2 mo bamba marshmallow michael jackson middle child markiplier memes msn mapquest maps menards macy's mail mega millions winning numbers minecraft michaels mapquest driving directions macys momo mcdonalds march madness mega millions mlb scores nba youngboy nipsey hussle ninja nikita dragun nle choppa nicki minaj nelk nba draft lottery nba lottery 2019 nikocado avocado nba nba draft netflix nba lottery news https://lostlovespellz.wordpress.com/ nba playoffs nordstrom nba scores nba mock draft nintendo switch nespresso capsules nose hair trimmer no show socks women nintendo switch games nursing bra nintendo switch case nail clippers nespresso vertuoline pods night light nascar nike new york times neiman marcus national weather service old town road old town road billy ray cyrus olivia jade one punch man season 2 episode 6 ozuna old town road lil nas x lyrics offset oneplus 7 oneplus 7 pro ocean eyes outlook old navy office depot office 365 overstock orbitz olive garden olx oriental trading omegle opm outback oral b replacement brush heads one piece swimsuits for women office chair oh the places you'll go by dr. seuss oil diffuser outdoor rug ovulation test strips oculus quest outdoor string lights oral b electric toothbrush paper towels pop socket psn card digital code portable charger packing tape playstation card ps4 controller paper plates pregnancy test protein powder pinterest paypal pandora prodigy pizza hut powerball winning numbers pnc bank party city pottery barn petsmart powerball papa johns panera popeyes pooh pathology test arsenal pewdiepie pewdiepie vs t series peppa pig please me bruno mars post malone pop out projared paw patrol polo g panic at the disco queen quando rondo queen naija queen live aid 1985 full concert quin nfn qka ka shpija quavo quran tilawat quadeca queen don't stop me now qvc quizlet quest diagnostics quickbooks qvc shopping online quotes quill queen elizabeth qatar airways queen sheets q tips quest bars queen bed frame queen mattress qtips cotton swabs quest protein chips queen mattress protector qtips queen comforter set quizlet live quizizz quadratic formula quick draw roblox realtor restaurants redbox reverse phone lookup reddit rotten tomatoes royal caribbean rei regal cinemas redfin restaurants near me r kelly rj barrett ashida tlaib run 3 ryan's toy review robbery juice wrld rihanna rebecca zamolo r kelly interview roddy ricch rage 2 review ricegum reusable straws roku ring doorbell resistance bands ring light roku streaming stick rompers for women revlon one step hair dryer and styler rice cooker reusable produce bags southwest seth curry spotify https://rwenzoripsychics.myportmoni.com/ spanish to english staples safeway snake steph curry starbucks solitaire shane dawson songs sunflower post malone soph slime snl sicko mode shallow lady gaga ssundee sonic the hedgehog movie southwest airlines sam's club sears soundcloud shutterfly social security spirit airlines shower curtain shower curtain liner scale shoe rack summer dresses for women scrunchies for hair scrunchies swimsuits for women spray bottle sunglasses for women tim conway translate target twitter turbotax ted bundy trump tulsi gabbard thesaurus ticketmaster toilet paper teacher appreciation gifts https://lostlovespellz.wordpress.com/ toothpaste tea tree oil teeth whitening tide pods trash bags thank you cards tapestry travel accessories tati t series tana mongeau trisha paytas tati and james charles drama thotiana blueface tim conway dentist taki taki try not to laugh tim conway elephant travelocity traductor tractor supply tmz twitch tripadvisor us trailer undisputed upchurch us unspeakable usher ufc unthinkable smiley unspeakablegaming un poco loco usb c cable umbrella usb flash drive usb hub unicorn gifts unicorn party supplies usb extension cable usb wall charger uber gift card unicorn united airlines usps ups tracking usaa ulta uber usa today urban dictionary us map united usps tracking uber stock us movie uber eats usa jobs erizon wireless verizon vrbo victoria's secret vanguard Casting a Spell on Someone to Make This Person Love You https://sheikhabdulkarimspellscaster.wordpress.com/ vistaprint vans venus vimeo vera bradley vitamin d vacuum cleaner vitamin c serum vitamin c visa gift card vitamin e oil velcro strips with adhesive vital proteins collagen peptides vitamin d3 vape pen vines vanossgaming vy qwaint venom vice veronica wang vicente fernandez vamos pa la playa valuable pain vines that keep me from ending it all verizon fios venezuela virginia tech dmv weather walmart warriors washington post wayfair weather dc wells fargo walgreens washington gas washington capitals whatsapp web white pages wikipedia webmd weight watchers wireless earbuds wireless headphones water bottle waist trainer wireless mouse womens tops weighted blanket where the crawdads sing waterpik wireless charger wwe worth it wow post malone without me halsey without me wild n out wheels on the bus wow wrong wiz khalifa https://rwenzoripsychics.myportmoni.com/
https://sheikhabdulkarimspellscaster.wordpress.com/
https://lostlovespellz.wordpress.com/
love spells that work instantly love spells that work in 24 hours love spells that work immediately love spells that work immediately without ingredients love spells that work immediately free love spells that work in 24 hours free love spells that work in minutes love spells that work instantly free binding love spells that work fast binding love spells that work fast free best love spells that work love spells that simple work for beginners best love spells that work free free love spells that work instantly for beginners free love spells that work instantly for beginners without ingredients love spells that work overnight free love spells that work overnight free love spells that work overnight without ingredients simple love spells that work overnight
Email: [intclairvoyant@gmail.com](mailto:intclairvoyant@gmail.com) [spellsherb22@gmail.com](mailto:spellsherb22@gmail.com)

Here's my understanding, and you can all tell me why I'm wildly wrong about it:
Say there's a gilt that pays its coupon on 31st June and 31st of December. 0.25%, so approx £125 payout on each date if you hold £10000.
Let's say you buy the bond on 31st March. Part of what you'd pay in the dirty price would be the accrued interest. So, roughly £62.
Then, on 31st June you'd receive the £125 coupon payout. But this is actually only £63 of interest in terms of profit.
When it comes to calculating the amount of interest you've earned in a year, how would it work? Do you simply have to declare the full £125? Or do you get to offset the £62 from it? Not to mention, from which tax year's profits would you offset it?

Hello! I'm really confused about the payout from Bill 124 since I was on mat leave for a big chunk of time. Our board is not fixing any payout errors for a while (they informed us of this), and I just want to make sure my calculations are correct. So, my question is, how exactly do I calculate my payout considering my unique circumstances? Once again, the time I was off was Sept. 2020 - Feb. 2022. Thanks so much!

Suppose I have the choice between: -Government job which is covered by social security (meaning pay roll taxes and deductions are made) and social security gets paid when I retire. -Government job which has opted out of social security (meaning what would have been paid as payroll taxes is instead placed into a 401k)
Assumptions -jobs are otherwise identical, just with different government agencies -salary difference is negligible so don’t factor in calculation -salary is $140k -if it matters, I do have 40 quarters of prior non government work -pension between the two is identical (both pay into the same state system, with same plan); but let’s ignore pension payout for this question -for this calculation purposes let’s just assume social security stays solvent, current tax rate stays the same, and current benefits stay the same -the 401k would be a simple s&p500 or total market etf or target date fund; let’s just assume historic returns for this.
Basically, what I am trying to say, assuming verything else is equal and plays out along historic returns, which theoretically pays out the most? Paying into social security and getting benefits or not paying in and investing into a 401k (at the cost of forgoing social security)?

I recently sold a bunch of sports cards on eBay and I was able to offer combined shipping. However, I am trying to figure out the total payout for each individual item and I can't seem to get the right number that matches with what ebay says is my payout. I need to do this because I need to split the take with 2 other people. Is there an easy way to calculate it? The problem is once you combine shipping, they'll put together multiple sales and the numbers all together. I can't seem to break it down simply to revenue per item vs as combined.

Happy Monday, Barkada --

The PSE gained 41 points to 6659 ▲0.6%

Today on Inside the Boardroom, my series where I try to cut through the corporate jargon and get to the heart of the matter by asking direct questions to top executives, we have Joan Adaci-Cattiling, OceanaGold Philippines’ President and General Manager, to talk about the gold miner’s unusual 100% secondary IPO.
We cover a lot of ground, so I hope you'll get something out of the chat!

▌In today's MB:

• OceanaGold PH's 100% secondary IPO
  • Why all secondary?
  • What's the "pitch" to buyers?
  • The huge dividend (90% FCF)
  • Gold price impact on dividend
  • Potential expansion
  • First IPO of 2024

▌Daily meme Subscribe (it's free) Today's email

▌Today's sponsor: MerryMart

▌Main stories covered:

• ▌Inside the Boardroom

NOTE: Some quick background might be for those unfamiliar with primary/secondary shares, and why an all-secondary IPO might be interesting and unusual.

• When an IPO is sold to the public, the shares can be either primary (new, issued by the company going public) or secondary (previously owned).
• If the shares are secondary, the money raised by selling the shares goes to the person who previously owned the shares, not to the company doing the IPO.
• If the shares are primary, the money goes directly to the company doing the IPO, which is cash that company can use to execute its prospectus plan.

Terms used in the interview:

• FTAA - This is the ""Financial or Technical Assistance Agreement"", signed directly with the President of the Philippines, that governs a foreign large-scale mining firm's exploration, development, and utilization of minerals.
• Free Cash Flow - This is the cash that is left over after all of a company's expenses are deducted from its revenues. It ignores non-cash expenses like depreciation and impairments.
• Inferred Resources - These are quantities and grades of gold and copper that OGP can reasonably assume exist based on geological evidence, but that haven't been physically verified.

Inside the Boardroom
WITH: Joan Adaci-Cattiling of OceanaGold Philippines [OGP]
RE: 100% secondary IPO
Merkado Barkada (MB): Joan, before we talk about the thinking behind OGP’s upcoming IPO, I just want to congratulate you on making it out the other side of this process, and for being the first company to take the IPO plunge in 2024.
Joan Adaci-Cattiling (JAC): Thank you, Brian. Indeed, we are this year’s curtain raiser and our listing is one of the many firsts that we have had the privilege of experiencing. We are the first FTAA of the Philippines in 1994, first to go into production in 2013 and the first to be renewed. When we had the confirmation of our FTAA renewal in 2021, we had provisions in our addendum and renewal agreement, which are firsts in the Philippine industry and with our bell ringing today, we have completed the remaining requirement of our renewal.
MB: Cutting right to the chase, an all-secondary IPO is usually a red flag for many investors. What pitch would OGP make to potential IPO investors who are looking for share price upside?
JAC: The objective of our IPO is to give our fellow Filipinos the opportunity to participate and invest in the value and upside potential of the Didipio Mine. For context and as has been previously shared, we are required to list on the PSE as part of our FTAA renewal in 2021. Since we have no debt on the balance sheet and no major capital plans, we do not require additional capital investment in the business at the time, hence the secondary offering of common shares.
We believe there is plenty of upside for investors in OGP. Firstly, we have identified additional Inferred Resources that represent upside beyond the Reserve case outlined in the Didipio Mine Technical Report. Secondly, we have recently completed underground optimization work that suggests we can increase mining rates from underground, which would provide higher-grade feed to the mill in the coming years. Finally, we have exciting exploration upside both at depth of the Didipio Mine, as well as at our Napartan regional target nearby. We are currently investing capital exploring both prospects and expect to release regular updates to the market on the progress.
MB: OGP’s best attribute appears to be the dividend. Can you walk us through that?
JAC: Didipio is a highly profitable and cash-generative mine and the current production and cost forecasts, at both current gold and copper prices and those published in the technical report, is expected to lead to significant Free Cash Flow generated this year and beyond. And with a dividend payout ratio equating to 90% of Free Cash Flow, we expect this to lead to very strong dividend payments to shareholders this year and moving forward.
MB: How would expansion activities impact OGP's free cash flow and its dividend should the company elect to spend capex on developing those opportunities?
JAC: The FTAA with the Philippines government is a 60/40 profit-sharing agreement. Our cash flow projections for OGP are on a 40% basis only. Any additional capital that may be incurred is paid on a 100% basis and therefore the costs shared between OGP (40%) and the government share (60%) have a lesser impact on the dividend. That being said, all of our current capital investment plans can be funded through the current proceeds from operations, and we don’t expect to need additional capital at this time.
MB: How does the price of gold impact OGP's financial performance and potential dividend? For investors who might be using an investment in OGP as a proxy for investment in the medium-term price trend of gold, how does OGP's average price received for its gold relate to the average price of gold for that period?
JAC: Considering the favorable outlook for both copper and gold, OGP should benefit from upward metal price movements. We believe the market outlook for gold and copper is attractive, with Central banks’ sustained buying for gold (2022 and 2023), as well as the key role of copper in electrification + potential supply deficit in 2026.
MB: Is there a way for non-metals experts to do their own estimating and forecasting? For example, all else equal (all costs/expenses/production as estimated), how would a 10% increase in gold prices over the respective periods translate into OGP's free cash flow for the purposes of calculating its expected dividend?
JAC: Gold accounts for 71% of our revenues (and copper largely accounts for the remaining 30%). Very roughly, a 10% increase in gold price will translate to ~7-8% increase in free cash flow.
MB: How could capex expenditures impact future dividends? If expansion is to be funded organically, how could this impact OGP’s dividend policy?
JAC: The OGP dividend policy targets at least 90% of free cash flow distribution to shareholders, meaning that OGP could continue to retain some (10% each year) cash on its balance sheet to save for any known capital expenditures in future years. We also expect any additional capital expenditures to incur strong returns on capital and near-term pay-back. The expectation is that it will not impact dividend payments at this time.
MB: Thank you for this informative boardroom chat! Best of luck to you, OGP, and all of the IPO buyers on OGP’s market debut later this morning.
JAC: Thank you too for giving us the opportunity to answer very relevant questions about our IPO!

• MB BOTTOM-LINE: You all know my obsession with primary/secondary shares configuration in an IPO, and this was one that really caught my eye. We've seen all-secondary IPOs before thanks to the advent of REITs on the PSE, but it's rare for a non-REIT IPO to be configured like OGP.
  Deals that are secondary-heavy have the burden of proof to overcome my distaste for this type of transaction. But OGP isn't here trying to pretend to be a normal IPO: this is a compliance listing that comes with a big fat (projected) dividend. They're eyes wide open about how an all-secondary deal looks, and they've priced the deal in hopes that the dividend will be enough to prevail over that sour secondary taste.
  Will it be enough? We are about to find out!
  If the income stream proves to be dependable as the projections, or investors merely perceive that it will be, then I'd expect the yield to come down after the IPO as the stock price rises to equalize.
  Ms. Adaci-Cattiling has given us a quick way to translate our gold price projections into potential increases or decreases in OGP's free cash flow. Increased gold price (above the prospectus price projections each year) could lead to a higher dividend, which could lead to a higher share price (all else equal).
  There's a lot going on here that requires your consideration. There's interest rate risk, there's gold price risk, there's regular old market risk, and there's the political risk that comes with operating under signature of a President. As always, do you own research, and only make decisions that are right for you based on your personal considerations. Take my words and Ms Adaci-Cattiling's words into consideration, but please do not base any investment decision purely on what you've read here this morning. This is a long-term investment play that needs long-term investment deliberation!
  Thank you again to Joan for taking the time with me to talk this out more fully for MB's readers. Let's see what happens today!
  

MB is written and distributed every trading day. The newsletter is 100% free and I never upsell you to some "iNnEr cIrClE" of paid-membership perks. Everyone gets the same! Join the barkada by signing up for the newsletter, or follow me on Twitter. You can also read my daily Morning Halo-halo content on Philstar.com in the Stock Commentary section.

Subscribe here

Read today's full newsletter here

Tiranga Lottery Color Prediction Game
In the bustling world of online gaming, the Tiranga Lottery stands out with its color prediction game, a vibrant tapestry of chance and strategy that captivates players from all walks of life. This article delves into the mechanics of the game, the allure of its play, and the tools that players use to sway fortune in their favor.
The Essence of Tiranga Lottery's Color Prediction Game
At its core, the Tiranga Lottery's color prediction game is a test of foresight and probability. Players are presented with a sequence of colors, and the challenge lies in predicting the next hue in the lineup. It's a simple premise with complex implications, as the game employs a sophisticated algorithm to determine the sequence of colors. While it may appear random, keen players have noted patterns and trends that can be used to anticipate future outcomes⁴.
Understanding the Game Mechanics
The game is structured around a series of rounds, each presenting a new opportunity to guess the forthcoming color. Players place their bets, and if their prediction is correct, they win a predetermined amount based on the odds and their wager. The game's appeal lies in its simplicity and the immediate feedback loop of bet, predict, and win.
The Role of Prediction Tools
To enhance their chances of success, many players turn to prediction tools. These tools analyze past results and employ algorithms to forecast the next color. While no tool can guarantee a win—chance remains a pivotal element—they provide a data-driven approach to the game. Players input previous outcomes, and the tool offers a calculated prediction, which can then inform the player's next bet¹²³.
The Cultural Significance of 'Tiranga'
The name 'Tiranga,' meaning 'tricolor' in Hindi, is a nod to the Indian flag and reflects the game's cultural roots. It's a celebration of heritage and pride, woven into the fabric of the game. The tricolor theme is more than just aesthetic; it's a symbol of identity and unity for the game's diverse player base.
Navigating the Game's Landscape
For newcomers, the game can seem daunting, but with a bit of guidance, anyone can join in the fun. Here's a step-by-step guide to getting started: 1. Choose a Reliable Platform: Look for a platform known for its fairness and user experience. 2. Create an Account: Register with your details and, if available, use an invite code for bonuses. 3. Deposit Funds: Add funds to your account to begin playing. 4. Learn the Rules: Familiarize yourself with the game's mechanics and betting system. 5. Use Prediction Tools: Leverage available tools to make informed bets.
Conclusion
The Tiranga Lottery's color prediction game is more than just a game of chance; it's a blend of strategy, technology, and cultural celebration. With the aid of prediction tools, players can engage with the game on a deeper level, turning a simple guess into a calculated decision. Whether you're a seasoned player or a curious newcomer, the game offers a thrilling experience that's just a prediction away.
Disclaimer: The information provided in this article is for entertainment and educational purposes only. The Tiranga Lottery's color prediction game involves financial risk, and players should exercise caution and play responsibly. Prediction tools are not infallible and should be used as a guide rather than a guarantee of success.

I've recently begun adding dividend stocks to my Roth IRA, held with E*Trade. I've noticed that my reinvested dividends have a non-zero cost basis, thereby increasing my average cost. In contrast, my girlfriend's Roth IRA, held with Fidelity, assigns a zero cost basis to reinvested dividends, which lowers her average cost with each dividend payout.
Is there a standard for how DRIP programs calculate dividends across brokerages?
Thanks in advance for any clarification!

I lost the job I'd had for 20 years a couple of months ago -- department restructured; position eliminated. I don't miss working at all, so I'm thinking that it could be a good time to be retired rather than temporarily unemployed. Given the info below, does this seem sensible and realistic?
I turn 64 in early July, and am single with no children and no one depending on me financially except me.
Expenses, once I start paying my full COBRA amount for health insurance, are expected to be $3,000 a month, and there's a little room to trim that down a bit if faced with more severe circumstances.
No debt
I don't own a home (I pay rent and plan to continue doing so)
$ 24,000 HYSA and CDs
$ 4,000 HSA
$287,000 401k (all in a 2030 target fund)
Severance pay was generous enough that I can get through the end of the year without dipping into current savings or withdrawing from 401k. Here's my tentative plan for future income:

1. Start drawing Social Security in January - $2000/mo (Yes that's considerably lower than if I waited 2.5 years until FRA, but as long as I can cover expenses, I'm okay with this as the cost of giving myself 2.5 more years of freedom from work.)
2. Transfer part of 401k to a guaranteed income annuity of $1000/mo with small increases to account for some inflation, no death benefit. (A couple of online calculators indicate I should be able to get that for under $200k if I want to start payouts in January, but I haven't solicited any actual quotes yet. Does this seem about right?)*
3. Have whatever's left in my 401k and its hopefully increased value over time, plus my savings, to deal with future needs/wants above anticipated expenses, as they come up.

Will this work? Is there anything I'm overlooking that means this plan is actually a likely fail?
*Yes, I understand the arguments against annuities, but 1) I care more about the security of a guaranteed amount than about getting a high return and 2) I don't care about "lost" money if I die "early," because I'll be dead and therefore won't need the money and in that case the insurance company is welcome to it.

Does anyone have a valid link for a payout calculator I can use for my league ?

How long does it take the Illinois lottery to payout an online winner once they claim the prize? Does it take the full 4-6 weeks?

I started walking outside again last week. I hadn’t done that since October of last year. I can’t say when I actually last felt joy doing it, certainly not since August of 2022, probably well before that. But I feel joy from it again. I can do it without intrusive thoughts and reminders of her, tainting the positives.
You once said that you lived a sheltered life, I don’t think that’s true at all. I definitely did, and wasn’t even aware of it. I can’t even say now that I had it bad, I just had some extreme eye opening experiences. Perhaps I said this to you before, perhaps in my own personal journal, but I’m simultaneously embarrassed & grateful for that. Some people want to make everything a comparison. You tell them something and they have to top you, let you know how they had it worse. My mom, who I am not criticizing because I do know her heart is in the right place, likes to remind you that it always could be worse. And that has recently began to infuriate me. I’m aware it could be worse. I’m usually not sharing something because I want something in return, I’m just sharing because I’m a person and that’s what people do. But hearing it could be worse minimizes whatever I’ve shared, like it doesn’t matter because it wasn’t bad enough. I’m not sure where the bad line is, where it becomes ok to share and not feel like you’re being silenced or being told to be grateful it wasn’t worse. Sometimes I just want to talk. I don’t want pity, I don’t want anything really besides some empathy and to feel heard. So as I type and share, I’m aware it could be worse. I’m aware in the scheme of the hardships of the world I have it easy. But that doesn’t mean that some things aren’t hard or painful or traumatic. I guess I feel the need to add this when speaking to you because I know you indeed had it worse.
Although I was well aware that the world was full of people who do things that are evil & wrong, although I was well aware of the saying wolf in sheep’s clothing, although I was aware that hurt people hurt people, I was unaware that sometimes it would be so difficult to see. I was aware that plenty of people were in abusive relationships, lived in abusive households, worked in environments where people would do anything to get ahead, I apparently was unaware that these things happened in friendships too. For no reason. Other than jealousy or pride or insecurity or never getting over personal problems from the past. That some people are so miserable inside that they get some sort of satisfaction out of hurting other people. Or at least they think they do, they really don’t. It’s this very thing that adds to keeping them miserable.
What I’m torn on is if they fully realize what they’re doing or not. If inside their confused mind they have justified their actions and see them as ok. If they’re so delusional that they see themselves as the victim in situations and the other person as wrong. As they go from situation to situation peddling their line of garbage, trying to convince others of their false narrative, if they themselves actually believe it. Deep down. If they paused and allowed themselves to really think about it. If they’re so emotionally immature the lies begin to sound real. If their narrative, that they’ve created, feels like truth to them.
She attacked so many elements of my life - my physical health, my mental health, my work, other friendships - it was like she infiltrated my life, thoughts, beliefs, and tried to rot it away with garbage. She succeeded some, but she didn’t win. It’s really her that loses when she keeps doing this with people. But sometimes I’m still really mad about her behaviors. To borrow your word, I felt subhuman. Like I didn’t feel things properly, couldn’t understand people properly, was selfish, and just unintentionally hurt people because I was such an inconsiderate unaware mess. And, in her opinion, whether someone intentionally hurts you or unintentionally hurts you it doesn’t matter, you’re still hurt. In my opinion there is a massive difference. But I felt like I couldn’t be trusted around others, that I shouldn’t really talk to people, that I needed to run things by M or B because I didn’t know how to act and didn’t want to hurt someone because I was such a harmful mess.
It’s difficult to look back on and not feel foolish. Like, why didn’t you see that? I’m aware it was the perfect storm of events. COVID, lockdown, me at the time just beginning to build a relationship with God, you - and if things had been different it wouldn’t have worked out the way it did. If I hadn’t have had those hundreds, probably thousands, of hours talking to her so much I wouldn’t have seen it. I’d possibly still be in her life, every once in a while getting attacked with something, and never fully understanding or realizing what was going on.
So I’m grateful it was quick and now it’s over.
I feel like I can trust myself again.
I am moving past the fear that someone is out to get me, or deceiving me, or has ulterior motives. Will that happen? Probably, but it’s no longer a fear with every person, new or old, that I encounter. I’ll be fooled again, I’ll live through it, I’ll choose what’s right (to the best of my abilities), and if someone is deceiving me that’s on them, not me for not figuring it out. If that’s what they want to feel proud of in life, their ability to lie and deceive, then the jokes on them.
I don’t know what she did to you. I have a bunch of theories, but I don’t really know. What I do know is that she doesn’t get to stop God’s plan. Whatever it is will come to be, and she’s more foolish than I thought if she thinks she has power over that. I know that you were a bright part of my life. I know that I frequently pray that I will get to do something good with you. That someday I will get to hear you teach, confidently, full of peace, being the funny, gentle, compassionate, insightful, inspirational man that you are.
There is a part of me that seems to be mentally preparing for an argument that hasn’t happened yet and I doubt ever will. But I find my mind preparing for the argument with someone and being able to prove how calculated, cruel, abusive, and diabolical her actions were. I’m probably having the argument with myself sometimes, like part of me is going are you sure? Do you have it wrong? But I am sure. It wasn’t one thing, it wasn’t a couple of things, it was dozens and dozens of things. There’s no way to add them all up and come to a different conclusion. And I would really like to. But the math just doesn’t math. Yet sometimes it’s still an imaginary argument. I guess because my brain can’t really comprehend how someone could be so close to me, pretending to be my friend, and in reality doing cruel things. What disturbs me most isn’t what she did to me, but to you. That someone could pretend to be a friend, pretend to want to help, and in reality be doing awful things to someone at their lowest point. That is what I cannot wrap my brain around. The wrongness of that breaks my heart into pieces. And I’m sorry.
What has occurred isn’t an argument, but other people with only partial knowledge immediately recognizing her behaviors as wrong, narcissistic, and one person said evil. I think for a reason that I don’t understand, is that I need to hear that from people, that the things I KNOW she did are wrong, because for some reason my brain can’t completely be trusted on this. Like I know, but I can’t fully compute it. Like I know, but it feels wrong to call these actions that were clearly wrong wrong. Like I’m also wrong for calling the behaviors out. And I’m not, I’d tell someone else they weren’t wrong, but there’s some missing connector in my brain, and I’m still messed up on this issue. And I don’t understand why. Like I can’t really believe she did things she did, because it’s just that wrong. I know that doesn’t make sense, but that girl genuinely messed me up, and there are some things I’m having difficulty healing from.
I can now, fortunately or unfortunately, spot it easier in others. Hearing their mouth say one thing, hearing their mouth tell you what a victim they are, but their actions showing something completely different. It’s disappointing. It’s frustrating. It’s maddening. But at least I can spot it and stay out of whatever web they’re trying to weave. I can listen and not argue. I can hear them and keep my mouth shut. I can wish them well, and mean it, but not partake in what they’re selling. I don’t need to enter their circular conversation and try to reason with them.
You’re a mystery to me. I’ve gone over it, more times than I can count, and I still only see good. I don’t see a twisted narcissist out to cause me harm. I don’t see a manipulative devil trying to mess with me. I see a hurting guy. Maybe some behaviors were wrong, but I don’t think it’s because you were some cruel person with ill intent, I think it’s more likely they were behaviors you learned, and didn’t know differently. Or because you were in such a bad place mentally you made some choices you wouldn’t normally have chosen. I see a lot of fear and darkness that probably lead choices. Or I’m wrong, and the jokes on me, and I’m a fool again.
I’m ok with that. I still don’t have regrets when it comes to you.
But the cold harsh reality is that you left. Without a word or an explanation. And what that feels like is that I didn’t matter at all. As more time passes that fact becomes more undeniable. I don’t have any understanding, so it makes it difficult to completely heal from it. Was I a stalker? Was I a fool? Was I frightening? Was I a friend? Did I matter at all? Was I just words on a screen, completely detached from the real human behind them? I really don’t know. I’d like to say I didn’t have expectations, but I guess I did because I didn’t expect this. Did I just insert myself where I wasn’t wanted & didn’t belong?
This healing is coming in stages, in waves, bringing up things that I didn’t expect and don’t really like. The only truths that I know, and this knowledge is what gives me peace, is that I know I had good intentions. I know I was actively seeking God and trying to follow. I know I did the best I could with the knowledge I had at the time. I know that I’d do it again, if it meant I was helping a hurting beautiful human. I probably do have some bitterness in my heart that I need to work on because I can say that about you, but I can’t say it about her. Even knowing that I could have planted good seeds in her life, even knowing that God loves her and she’s a hurting human, I can’t say that I’d do it again for her. Luckily I don’t get to choose. It’s done.
The hardest part is all of the unknowns. Those are what play tricks on my mind. Sometimes ignorance is bliss, so perhaps I should be grateful for it now. The fear that gets me the most (second most, I won’t vocalize in any way the biggest fear), is the fear that you think of me the same way I think of her.
Sometime last year I discovered that I had saved some of your old posts. Clearly at one point I knew that feature existed, and did it, but it was all new to me when I discovered them. Some were things I never care to read again. But one stood out to me, and it was still awful, but this part was touching (and awful). You said that you basically had one friend who talks to you. When I read this last year it was as though that sentence literally jumped off of the screen in gigantic letters at me. And I felt like you were talking about me. The thing that I so wanted to hear had been said, but I misunderstood it initially. Because why else would you have said it like that? One friend who talks to you. I mean, clearly I could be wrong, because I do hate making assumptions, but I feel like I’m right. Initially it never occurred to me that you meant me, because if you were talking about me it would have said two friends, because you would have included her too. But you didn’t. And I can only come up with up with two reasons why. One, you didn’t consider her a friend because she didn’t talk to you as much as I did, and therefore you just didn’t know her that well. Or, two, you saw who she was then, she’d shown you who she was then, and you knew she wasn’t a friend. If that’s true, kudos to you for seeing it, being aware of it, and knowing that’s not how any friend should act. I just wish you would have filled me in.
I mean, I do, and I don’t.
A whole lotta lessons and growth happened by what happened to me and because of her actions towards me. Although I most definitely didn’t enjoy the path getting to those lessons, I’ll accept and be grateful for them. It wasn’t all her, of course, there were other things adding to it. And I hope someday I get to talk to you about all of this. Although I am fine, although I am usually at peace with not having answers, they would be nice to have.
As I said, I found joy in walking outside again. I’ve found confidence in my job, workplace, and those that work with me. I’ve found security again in my friendships. I’ve held onto the ability to share things with others, even if there is shame attached to it, with the belief that it’s worth my embarrassment & discomfort if it can help someone. I’ve learned how to release my fears & anxieties & doubts to God, tell Him that He is in charge and to direct me as he wants. That applies to big things and the seemingly small choices that sometimes overwhelmed me each day. I let Him have it, and it’s easy. And peaceful. I mean, not always, but in general.
I’ve reached the point where I don’t fear running into her - which was a confusing fear to have. I mean, I didn’t do anything wrong to her, yet I’m sure she thinks I did, and the uncomfortableness of knowing that added to my not wanting to see her face again. That and the fact that her behaviors were literally diabolical and I don’t want to be near someone who behaves like that. That and she truly traumatized me and I’d like to remain clear of her, not remind her that I exist. I’m aware that I’m in control of myself and my actions and I can engage, or I can simply acknowledge and keep moving. She doesn’t get to control or dictate anymore, she no longer has that ability, I can do as I please.
I miss you. And everything about that is bizarre. I have no idea who you are today, you would be a completely new person. But it’s really painful to go from having someone be such a large part of each and every day to then being completely gone. Not knowing why, if I did something to push towards that happening, if she spoke lies that pushed towards that happening, or if it had nothing to do with me at all, and was all about you. I know the saying that what people do has nothing to do with you and everything to do with them. I get it, I see it in action, but I can’t figure out how to frame it properly when it comes to her. Because my choice to remove her from my life has plenty to do with her behaviors, her behaviors were the catalyst of that action, it basically has everything to do with her. So there is a fear there that similar reasoning is there when it comes to you going. And it hurts my heart to think I did something to a hurting person. I guess that’s where I wish I could have resolve. That is where I wish I had answers (don’t get me wrong, I have plenty of other questions, and i guarantee a lot of them aren’t what you expect), but I need to hear that I didn’t add pain to someone who was already hurting. And if I did, I want the opportunity to apologize and/or explain.
I say again that the two years after you left were probably the most difficult of my life, and not for the reasons you would assume, if you’re assuming anything. The second year I was literally making a choice of committing myself somewhere for mental evaluation because I was crazy, or hoping the Christian counselor could help. She helped. I’m not crazy. There are definitely things I don’t understand, but not because I’m crazy.
So here I sit, writing a message to a guy that I don’t really know, that may or may not read it (which really, was true all along), with the hope that someday you’ll choose to be a part of my life again. Or help me sort out some incredibly confusing periods of my life. I’m going to be fine, and am fine, whether I get answers or not. I’m not consumed with the need for answers, it would just be nice. But sometimes we don’t get them, and sometimes we’re probably better off not having them. I’m not seeking answers from her, I have all of the answers I need, and none of them are good, I don’t want to hear any more.
It saddens me greatly that there are people out there who devote so much time to making the lives of others miserable. That’s what they do, and they think (I guess), that brings them joy or satisfaction. It’s such a waste of life. You can’t talk to them, or reason with them, or help them see past their delusions, and honestly, sometimes the way they behave is so frightening you don’t even want to try. Knowing that this person has a purpose on earth, that there is a need for them, that there is something good they could be doing, and instead they’re peddling lies and listening to lies. Knowing that someday they’re possibly going to wake up and see a bunch of wasted time. And hopefully be able to embrace truth and make the most of the rest of their life. Or just continue what they’re doing, even though it’s not working for them and never has. It’s sad to know that some people are so insecure and scared and broken that their actions of perceived self protection, that they do to keep from getting hurt, really is causing more hurt. Pushing people away. And if they would just be open and honest their life could change dramatically.
I don’t have expectations. I don’t have any anger. I’m just a person. I’m teachable. I’m clam. I have a decent ability to control my mouth. I’m empathetic. I don’t hold onto anger. I usually have the desire to see things from the other person’s perspective, even if I’m positive they’re wrong, to have understanding (and ideally, help them see reality). I’m seeking God each and every day, praying to be changed and molded and be more like Him each day, and I mean that prayer. Not that I want to go around exclaiming who I am, because usually when people are doing that it’s because they need to convince you because their actions are about to show the opposite. I guess in this forum it’s ok, because you can’t see my present day actions.
I don’t know anything about where your head is today. If you wonder about anything, or if you’ve moved past it all and it’s a foggy distant memory. I think a lot of the time for me it is now a foggy memory that I’m removed from. That it no longer seems like happened. Writing this is bittersweet, because at least it all seems real again, but simultaneously- ugh, it all seems real again. Since I know at the time your mind was in a place of blame, I’d like to say to you that any cruel action she did towards you wasn’t your fault. Even if you opted to tell her off, not your fault. She was a button pusher, a provoker, and when she got a reaction she had an uncanny skill of seeming innocent, of being the victim, of being the martyr, of whatever it was being all your issue and she wasn’t to blame at all. I’d wager that you, in the state of mind you were in at the time, were an army full of red flags waving at her and she didn’t want to acknowledge any of them. And ignoring them was probably extremely difficult. What should have been happening was she should have seen you, this hurting guy, as where her son was headed if she didn’t change some things. But she didn’t do that. At all. Maybe she has now, but at the time she changed absolutely nothing. I think I was probably meant to be an example of what she should have been doing, and it’s uncomfortable to say that, but I think it’s true. And she wasn’t doing that either. So, understand that if you have any bad feelings over why she acted certain ways towards you, or hold onto any blame, release it. She behaved this way with absolutely everyone - her son, her husband, her other friends, acquaintances, people she didn’t even know. It was, maybe still is, how she behaves. It wasn’t you. It wasn’t me. It isn’t them. It’s her.
My friend, and fortunately my current employee, is going to school to be a pastor. She doesn’t want to lead a church, she wants to minister in other ways. But, one of her latest assignments was to write her ministry goal in 125 words. Then 35 words. And finally, one word. I didn’t attempt the whole assignment, but I have a lot of thought to the one word portion of it because that seemed the most challenging. The word I would choose is truth. I want people to see who they truly are - that was definitely my goal in talking to you. I wanted you to see past all of those lies and see truth.
There are a lot of people wandering around who are deceived by lies different from that, delusions, but they’re affecting their lives in significant ways. Freezing them. Keeping them stuck. And I want them to see truth, and sometimes reality. I know it’s not my place to always intervene, but when it is I would like to drop seeds of truth.
My ex friend believed some grandiose things. The only thing I can equate it to is a little kid declaring something like one day I’m going to be president. When it’s a child you encourage them, give them real life things they can do to work towards that dream. With her, she didn’t want real life things to do to work towards a dream, she wanted something to be handed to her. You couldn’t reason with her, if you tried she’d speak to you in a condescending tone like you were a moron. So it was a difficult position to be in. One, realizing that this grown adult believes something ludicrous, like seriously believes it, and is basing real life large choices on this dream that will probably never come into fruition. Two, wanting them to have tangible parts of that dream in the present day, but realizing they not only refuse to work towards any of it, but if you point out that they were making choices that were making this dream world a reality they would literally stop doing those things. Because she quite literally wanted it to be handed to her. Thirdly, feeling incredible sadness that this person you love is literally wasting their life, and negatively affecting the security of their future by believing in a dream. A literal wish and dream. I think she believed she was psychic to some degree, that she knew things. She’d tell you things, like a fact. You couldn’t tell her differently. We’re all like that sometimes. But with her it was to a higher truly concerning degree because her belief in her feelings on things and situations left zero room for reality. She had no ability to consider the other person’s perspective at all. She literally refused to hear it, or consider it. Like it didn’t exist. Sometimes I believed her too, because I was too close to her, because I wasn’t looking at the entire picture just a piece of it, because I didn’t know better, because I truly believed God was telling her some of these things.
I don’t believe any of it now. And I feel foolish for ever doing so.
But I want to help people identify lies that keep them stuck. Whether it’s a “normal” as a thought telling someone that they are ugly, or if it’s a grandiose as them believing they’re going to win hundreds of millions of dollars in the lottery. Either way they’re stuck. Either way a lie is affecting them negatively. Either way a lie is controlling their life. I say they, but throw me in there too. I’ve got a whopper. I can throw some different circumstances in there that make mine seem more worthy of believing, more difficult to discover, but it was still a lie. A life controlling, all consuming, life stopping lie. I guess the difference between she and I is that I’m teachable, so when someone told me it was a lie I was willing to hear.
I’m working on writing about my last few years. You’re part of it, a beautiful part of it, but it isn’t about you. It isn’t a way to find you, or out you, or embarrass you, or cause you to feel shame. I respect you. It’s really my testimony. I’m not going to believe the lie that I can’t write something because I have horrible grammar. There are tools to correct that, people that can correct that, and really, if someone understands what I’m saying that’s the point, not receiving a grade for grammar. For a while I thought I couldn’t write it because I didn’t have your input, your side of things, your voice, your answers, your permission. Although I would very much like those things, I don’t have them. Nor do I have a way to get them (besides this). So I’m working on it. Your story definitely matters, and deserves to be told, and I hope you’re telling it. But mine is completely different. And it deserves to be told for different reasons. I hope when it’s finished you read it, you are reading here to know about it, you stumble upon it, whatever. I just hope you get there.
The fact is you’re a stranger to me now. I don’t know anything about where your mind is or where your heart is. And although I’m not closed off, I’m open, I don’t trust you. I’m open to building trust with you. It’s a weird thing though, because it would probably be very easy for me to just allow you full access again, with minimal discussion. I’m not sure what that says about me. Maybe it’s a good thing, maybe it’s foolish. I can say that with her there is zero desire for that. I have zero desire to know her at all. Not because I’m mad, but because of how she behaved. I once told her my openness towards something was a vision of a million doors closing, slamming shut, one right after the other, and that is how I feel about my openness to her. Not that I need to worry about it. Sure, she could one day have a true change of heart and become a changed person, and I hope that for her. But that doesn’t mean I’m going to be part of it. I told a friend that I don’t need or seek or want an apology from her, the only good thing about hearing it would mean that she’s truly working on herself, and her heart, and getting right with God. And that’s the only reason I’d like to hear it.
As I reread this I’m unsure how it sounds. Probably like I have a lot of hurt still to recover from. I’m sure that’s true, but it isn’t an all consuming everyday dwelling on not moving forward hurt. It’s there, and it’s coming out in this because that’s the topic. I know parts of this don’t make sense, and are scattered, it’s a post, it is what it is.
It’s like there are two years of my life that are an utter mystery. They don’t make any sense, and the actions of the two other people that were a big part of some or all of that time don’t make any sense either. And there is a human out there who could shed some light on this time for me. I don’t think that’s wrong to hope for. It’s unbelievable how someone who I had so few direct conversations with has impacted my life so greatly.

Dividend Yield, Dividend Rate and Dividend Payout 💰
What is the difference? 🤔
Let's Decode ⤵️
Taking Canara Bank as an example:
Stock Price - Rs 560
FY24 Dividend Declared - Rs 16.1
Face Value - Rs 10
FY24 Earnings Per Share - Rs 84
Dividend Yield 🌟
This is what you make on your investment. Since you are buying the stock at market price, this is calculated as Dividend / Market Price
In our example, this will be 16.1/560 = 2.9%
Dividend Payout 🌟
How much of its profit is the company paying out as dividend.
Calculated as : Dividend / Net Profit or Dividend Per Share / Earnings Per Share
Since dividend per share is 16.1 and Earnings Per Share is 84,
Dividend Payout is 16.1 / 84 = 19%
Dividend Rate 🌟
Probably the most meaningless number of the 3 - yet most companies quote it.
Calculated as Dividend / Face Value
In this case, Dividend Rate = 16.1/10 = 161%
But as we said, 161% is a meaningless number for us as investors.
All we care about is ⤵️
1) Dividend Yield - to understand what % of the share price is getting returned in the form of dividends. In this case, a shareholder is making about 2.9% of the share price as dividend.
2) Dividend Payout, to understand how much of the profit company is distributing, and how much is it reinvesting in growth. In this case, Canara Bank is distributing nearly 20% of profits, reinvesting the remaining. Companies that do not see growth opportunities, tend to distribute more, while those that are growing, tend to reinvest more.
Hope this helps in understanding Dividend Yield, Payout and Rate.
Do share with your investor friends if you found this helpful 😊

PersonalFinance

LowRiskInvesting

Dividend Yield, Dividend Rate and Dividend Payout 💰
What is the difference? 🤔
Let's Decode ⤵️
Taking Canara Bank as an example:
Stock Price - Rs 560
FY24 Dividend Declared - Rs 16.1
Face Value - Rs 10
FY24 Earnings Per Share - Rs 84
Dividend Yield 🌟
This is what you make on your investment. Since you are buying the stock at market price, this is calculated as Dividend / Market Price
In our example, this will be 16.1/560 = 2.9%
Dividend Payout 🌟
How much of its profit is the company paying out as dividend.
Calculated as : Dividend / Net Profit or Dividend Per Share / Earnings Per Share
Since dividend per share is 16.1 and Earnings Per Share is 84,
Dividend Payout is 16.1 / 84 = 19%
Dividend Rate 🌟
Probably the most meaningless number of the 3 - yet most companies quote it.
Calculated as Dividend / Face Value
In this case, Dividend Rate = 16.1/10 = 161%
But as we said, 161% is a meaningless number for us as investors.
All we care about is ⤵️
1) Dividend Yield - to understand what % of the share price is getting returned in the form of dividends. In this case, a shareholder is making about 2.9% of the share price as dividend.
2) Dividend Payout, to understand how much of the profit company is distributing, and how much is it reinvesting in growth. In this case, Canara Bank is distributing nearly 20% of profits, reinvesting the remaining. Companies that do not see growth opportunities, tend to distribute more, while those that are growing, tend to reinvest more.
Hope this helps in understanding Dividend Yield, Payout and Rate.
Do share with your investor friends if you found this helpful 😊

PersonalFinance

LowRiskInvesting

Dividend Yield, Dividend Rate and Dividend Payout 💰
What is the difference? 🤔
Let's Decode ⤵️
Taking Canara Bank as an example:
Stock Price - Rs 560
FY24 Dividend Declared - Rs 16.1
Face Value - Rs 10
FY24 Earnings Per Share - Rs 84
Dividend Yield 🌟
This is what you make on your investment. Since you are buying the stock at market price, this is calculated as Dividend / Market Price
In our example, this will be 16.1/560 = 2.9%
Dividend Payout 🌟
How much of its profit is the company paying out as dividend.
Calculated as : Dividend / Net Profit or Dividend Per Share / Earnings Per Share
Since dividend per share is 16.1 and Earnings Per Share is 84,
Dividend Payout is 16.1 / 84 = 19%
Dividend Rate 🌟
Probably the most meaningless number of the 3 - yet most companies quote it.
Calculated as Dividend / Face Value
In this case, Dividend Rate = 16.1/10 = 161%
But as we said, 161% is a meaningless number for us as investors.
All we care about is ⤵️
1) Dividend Yield - to understand what % of the share price is getting returned in the form of dividends. In this case, a shareholder is making about 2.9% of the share price as dividend.
2) Dividend Payout, to understand how much of the profit company is distributing, and how much is it reinvesting in growth. In this case, Canara Bank is distributing nearly 20% of profits, reinvesting the remaining. Companies that do not see growth opportunities, tend to distribute more, while those that are growing, tend to reinvest more.
Hope this helps in understanding Dividend Yield, Payout and Rate.
Do share with your investor friends if you found this helpful 😊

PersonalFinance

LowRiskInvesting

Dividend Yield, Dividend Rate and Dividend Payout 💰
What is the difference? 🤔
Let's Decode ⤵️
Taking Canara Bank as an example:
Stock Price - Rs 560
FY24 Dividend Declared - Rs 16.1
Face Value - Rs 10
FY24 Earnings Per Share - Rs 84
Dividend Yield 🌟
This is what you make on your investment. Since you are buying the stock at market price, this is calculated as Dividend / Market Price
In our example, this will be 16.1/560 = 2.9%
Dividend Payout 🌟
How much of its profit is the company paying out as dividend.
Calculated as : Dividend / Net Profit or Dividend Per Share / Earnings Per Share
Since dividend per share is 16.1 and Earnings Per Share is 84,
Dividend Payout is 16.1 / 84 = 19%
Dividend Rate 🌟
Probably the most meaningless number of the 3 - yet most companies quote it.
Calculated as Dividend / Face Value
In this case, Dividend Rate = 16.1/10 = 161%
But as we said, 161% is a meaningless number for us as investors.
All we care about is ⤵️
1) Dividend Yield - to understand what % of the share price is getting returned in the form of dividends. In this case, a shareholder is making about 2.9% of the share price as dividend.
2) Dividend Payout, to understand how much of the profit company is distributing, and how much is it reinvesting in growth. In this case, Canara Bank is distributing nearly 20% of profits, reinvesting the remaining. Companies that do not see growth opportunities, tend to distribute more, while those that are growing, tend to reinvest more.
Hope this helps in understanding Dividend Yield, Payout and Rate.
Do share with your investor friends if you found this helpful 😊

PersonalFinance

LowRiskInvesting

Dividend Yield, Dividend Rate and Dividend Payout 💰
What is the difference? 🤔
Let's Decode ⤵️
Taking Canara Bank as an example:
Stock Price - Rs 560
FY24 Dividend Declared - Rs 16.1
Face Value - Rs 10
FY24 Earnings Per Share - Rs 84
Dividend Yield 🌟
This is what you make on your investment. Since you are buying the stock at market price, this is calculated as Dividend / Market Price
In our example, this will be 16.1/560 = 2.9%
Dividend Payout 🌟
How much of its profit is the company paying out as dividend.
Calculated as : Dividend / Net Profit or Dividend Per Share / Earnings Per Share
Since dividend per share is 16.1 and Earnings Per Share is 84,
Dividend Payout is 16.1 / 84 = 19%
Dividend Rate 🌟
Probably the most meaningless number of the 3 - yet most companies quote it.
Calculated as Dividend / Face Value
In this case, Dividend Rate = 16.1/10 = 161%
But as we said, 161% is a meaningless number for us as investors.
All we care about is ⤵️
1) Dividend Yield - to understand what % of the share price is getting returned in the form of dividends. In this case, a shareholder is making about 2.9% of the share price as dividend.
2) Dividend Payout, to understand how much of the profit company is distributing, and how much is it reinvesting in growth. In this case, Canara Bank is distributing nearly 20% of profits, reinvesting the remaining. Companies that do not see growth opportunities, tend to distribute more, while those that are growing, tend to reinvest more.
Hope this helps in understanding Dividend Yield, Payout and Rate.
Do share with your investor friends if you found this helpful 😊

PersonalFinance

LowRiskInvesting