Obviously everyone has different risk tolerance but it seems logical to me that homeowners should prioritize larger emergency savings compared to renters.
Not only because their living expenses are much higher because mortgage is more than rent, but also because they already have taken on much more financial risk by buying the home itself.
For financially stable people, if you’re a renter and lose your job, the economy tanks, etc, the worst (for most situations) case scenario is being broke for a while, maybe selling stocks at a loss, and moving to a cheaper rental as you seek reemployment.
If you’re a homeowner paying off a mortgage and lose your job, economy tanks, and all your money tied up in stocks tanks for a year, you face massive late fees or even foreclosure.
So it seems reasonable to me that homeowners need larger emergency savings to have equivalent risk profiles compared to non-owners.
Is that considered common knowledge or am I off on that?

I am using this app to help out and motivate me to contribute more to my retirement. I am enabling drip for the IRAs and my employee stock discount program. I currently have triditional IRA and planning on converting that to a Roth. (I understand that I will pay taxes). Anywho I see that in setting you can adjust your tax percentage. I was wondering if I would have to set that number to 0% for my Roth since it’s post income tax. As of now I am in the 12% bracket so would I need to adjust it to 12% before the conversion to get a more accurate estimate of my div and such? (US here)
Thanks

(continuation of part 3)
Since Fatal Calling is all about Cloud facing his past and his origins, Tifa’s musical theme is most appropriate for the ending cutscene. For all of these reasons, Tifa’s theme is absolutely appropriate for the conclusion of Fatal Calling. It makes a lot of sense then that once Cloud has finished revisiting the past and vanishes with the crystal to find his Promised Land, Tifa’s theme stops and Aerith’s theme begins.
There’s a lot to be said about Sephiroth in Fatal Calling. Sephiroth feeds off of despair, and deems Palamecia’s suffering inadequate: he seeks a much greater source of power than this realm. He states that Palamecia isn’t “the world that was promised to [him]”, referencing his desire to become the god of his core world of FFVII:

“Sephiroth: Melding with the planet, I will cease to exist as I am now only to be reborn as a ‘god’ to rule over every soul” (FFVII OG, disk 1, chapter 25).

Sephiroth’s line “Now, let us return [Cloud]. Back to the Promised Land” reveals he wants to return to their shared core world of FFVII, like we established in our review of the Remake timelines theory (see section “I. a) vii.”). Sephiroth wants to go back to FFVII and modify the OG timeline to achieve his evil goals. This is his ideal scenario, his place of complete happiness: his desired Promised Land. Fatal Calling is setting up Sephiroth’s plans for Remake. In fact, the after-credits scene wherein Sephiroth stands in Nibelheim as it burns confirms his return to the FFVII OG timeline.
However, he isn’t the only one returning. Now that Cloud has revisited his past in Fatal Calling, he’s ready to reach his Promised Land. After Sephiroth’s after-credits scene, the OG FFVII title and logo turn into the FFVII Remake title and logo, indicating a shift: we are now officially in the Remakeera or world. Cloud and Sephiroth disappeared at the end of Fatal Calling, and now the game is telling us where they’ve gone. Combined with Hamaguchi’s recommendation that players complete the collaboration event before playing Remake, I think this is a solid indication that the Cloud and Sephiroth we see in this collaboration event are those we encounter in the Remake world. Once the switch to Remake occurs, Aerith’s theme returns. This communicates that she is indeed —as we’ve proven countless times already— Cloud’s Promised Land. But it also conveys her importance to the story of Remake. Scenario writer Nojima confirmed this:

“Aerith's the most important character in the remake so we paid special attention to her lines” (FFVII Remake Ultimania, section 08 “Secrets”, “Development Staff Interviews, Part 2: Tetsuya Nomura, Yoshinori Kitase, Kazushige Nojima”, page 744).

Aerith was already important to OG, so what could’ve motivated Nojima to state her importance to Remake? Could it be that she’s even more important in the latter than she was in the former? In what way?
That was the collaboration! Before we move on from MFF x FFVII Remake entirely though, let’s glean some more relevant information from some of the collaboration’s promotional material and special features.
~III. e) iii. Promotional Material and Special Features~
Two particular pieces of promotional material for this collaboration stick out to me as extremely relevant. The first is a promotion for a new summons batch in the Mobius FF game, created in honor of the collaboration.
MFF x FFVII Remake Summons Batch Cloud Promo
The summons batch contains three FFVII Remake-themed cards, including a Cloud card. As you can see, this promo reads “Who awaits in the Promised Land?” under Cloud’s picture.
The second is a promotion of an Aerith and summons and an Aerith Job Card (in MFF, Job Cards allow a character to embody an archetype or another character, giving them certain physical traits, clothing, weapons and abilities):
MFF x FFVII Remake Aerith Summons and Job Card Promo
I couldn’t find this picture in English, but the text relevant to us translates to:

“Midgar's Flower Vendor Summons
‘I'm searching for you. I want to meet… you.’
The witch protects the planet, imbues it with power, and leads to the Promised Land.”

A few things here. First, Aerith is referenced by name, and we see a picture of her in her famous praying pose. Secondly, both Cloud and Aerith’s images are attached to the notion of the Promised Land. Cloud’s card asks who awaits there, and Aerith’s evokes a guiding role, as though in response. Thirdly, both Cloud and Aerith are attached to the notion of searching: Cloud searches for the Promised Land and whomever awaits there, and Aerith searches for Cloud’s true self. Speaking of which, the promo also includes parts of Aerith’s famous gondola date quote from OG:

“Aeris: I'm searching for you.
Cloud: …?
Aeris: I want to meet you.
Cloud: But I'm right here.
Aeris: I know, I know... what I mean is... I want to meet... you” (disk 1 chapter 24).

In case you’re wondering about the lady in Aerith’s clothes on the left-hand side, that’s Meia, a character in MFF. She is the “witch” being referred to in the promotional material. She’s often called the Azure Witch. Meia is wearing Aerith’s clothes because a Meia-type Job Card called “Flower Girl of Midgar” was created in honor of the MFF x FFVII Remake collaboration:
MFF x FFVII Remake \"Flower Girl of Midgar\" Job Card
There’s even an Aerith outfit you can have Echo wear, and it appears with Wol’s Cloud outfit in the promotional picture:
MFF x FFVII Remake Echo's Aerith Outfit and Wol's Cloud Outfit
To be fair, Tifa also appears in one of these summons promos. However, unlike Aerith’s, her appearance doesn’t reference the Promised Land or her version of the gondola date. She is not presented in connection to Cloud at all. On top of that, while the Aerith and Cloud outfits are promoted together, Tifa is paired with Vincent in the promotional image:
MFF x FFVII Remake Summons Promo Tifa and Vincent
This is hardly indicative of Cloti content in the event collaboration or in Remake.
~III. e) iv. Cloud’s Promised Land~
All in all, the collaboration tells the story of Cloud searching for his Promised Land, just as post-OG Cloud has been shown doing for years and years of canon SE content. Cloud is searching for Aerith in the MFF x FFVII Remake collaboration, just like he was in FFT and DFF, and just like he was shown doing in the 30th FF Anniversary Exposition. This is nothing new. However, the collaboration informs us that this mission to be reunited with Aerith is what leads Cloud to enter the world of Remake.
Echo noted that people obtain the Promised Land they deserve rather than the one they want. What does Cloud deserve? I believe the answer is: another chance at saving Aerith.
Cloud needs to start over, from the top. He needs to go back to the very moment he and Avalanche arrived at mako reactor 1 to bomb it. He needs to return to the beginning of the OG game. He needs a redo, a fix-it, another shot at happiness; a remake.

IV. The Hidden Plot Point: Mission Theory

~a) Thesis~
Here lies the heart of my theory. My dear Cleriths, Sephiroth isn’t the only one who travelled back in time to undo destiny and create a reality where things go his way: Remake is also —I would even say primarily— Cloud’s chance to free Aerith from her fate, save her life and secure his shot at happiness with her. That’s why he experiences MOTFs in Remake: he’s done FFVII before and now he’s back, although with only fragments of his memories from OG, to save Aerith. That’s why his triggers all involve Aerith: he doesn’t consciously remember anything from OG, but his grief over Aerith is so strong that it rises from his subconsciousness at the slightest trigger.
In Remake, Cloud remembers some but not all elements of the OG timeline (MOTFs), and it appears he only remembers the most important things: all his MOTFs revolve around Aerith and her fate. Our theory explains why Aerith triggers Cloud’s MOTFs in Remake quite perfectly: he traveled back in time to prevent Aerith’s death from happening. Remake Cloud remembers Aerith because, well, he knows her from OG. Post-OG Cloud has returned to the past to save Aerith, resulting in Remake. This is why seeing her in Remake triggers visions and memories of things that haven’t happened yet in Remake, but have already happened to post-OG Cloud. He recognizes her face on Loveless in Remake because seeing her face again is the whole reason he entered Remake in the first place. His visions of her death when they meet once more at the church, the spike of anxiety and grief as he watches her walk away from him, the constriction in his chest when she talks about doing everything in her power to help the planet… all of it, it’s all his memories of OG being jogged by things related to her death. What he’s forgotten from the OG timeline emerges in flashes of pain, images, memory and emotion. Remember that the language the devs used to describe these instances where Cloud reacts to Aerith in this way is always about “remembering” or “recognizing”; Cloud has to have seen Aerith, known Aerith, loved Aerith, lost Aerith and felt the pain of living without Aerith before in order to recognize and remember these feelings. Think about it: this is the only thing that can explain Cloud’s extremely selective MOTFs and the fact that he has MOTFs at all.
The Remake trilogy is all about Cloud and Sephiroth stepping into the ring one more time, both ready to risk it all to get what they lost in the OG timeline. Sephiroth is hungry for destruction and godhood, while Cloud stands determined to save the love of his life. Fighting for their respective goals, the fated enemies enter a new battle in Remake, one to end the war, both needing to win this time after losing so horribly in OG. Now, it’s all or nothing. Sephiroth vying for the planet, and Cloud reaching out for Aerith.
Cloud’s back with a quest, one he can’t fail— it’s the most secret and important plot point of all. I call this the “Mission Theory”.
~IV. b) Mission Theory Logistics~
There are a few things that remain vague, so I’m going to use this section of the analysis to speculate on the logistics of my theory. We know very little about the hows of the timeline and multiverse shenanigans, so I’m going to hypothesize. However, this analysis is about the whys: so if you’re not interested in mechanical speculation on the logistics of time travel and multiverses, you can totally disregard this section and skip to section “V.”.
~IV. b) i. Cloud the Time-Traveler?~
It’s unclear whether Remake is the result of post-OG Cloud going back in time to try his hand at the OG timeline again, or the result of post-OG Cloud somehow informing OG Cloud that he must save Aerith this time around. It’s vague in the same way that we aren’t sure if Remake Aerith is post-OG Aerith or if she’s been informed by post-OG Aerith via her connection to the Lifestream as a Cetra. Though it doesn’t much matter how Cloud has memories of Aerith’s death in Remake, I personally think that Remake Cloud is a time-traveling post-OG Cloud. My explanation as to why might be a little confusing, so again, feel free to skip to section “V.”.
One must be able to communicate with the Lifestream in order to obtain knowledge of the future. This access can only be granted to the Cetra or to the souls of the deceased that compose the Lifestream itself. Since Cloud is not a Cetra, he cannot commune with the Lifestream while he is alive, meaning a deceased post-OG Cloud would not have been able to communicate his memories of the OG plot-line with a living OG Cloud. Therefore, the only way Remake Cloud could have knowledge of the future (manifested as MOTFs) would be that Remake Cloud is inhabited by his post-OG consciousness. Effectively, this is time-traveling.
Then comes the question of how Cloud was able to time-travel at all. I have what I consider a pretty solid hypothesis. The most interesting thing about the realm of Palamecia is that every FF character that’s ever appeared in the realm for a cameo died in their core world beforehand (spoilers for FFI, FFV, FFVI, FFX, FFXII, FFXIII, FFXV incoming). These characters include Tidus (FFX), Lightning (FFXIII), Garland (FFI), Sephiroth (FFVII), Gilgamesh (FFV), Vargas (FFVI), Gabranth (FFXII) and Ultros (FFXV). My interpretation of Palamecia serves at least partly as a directory for deceased souls that can’t simply fade. For instance, FFX’s Tidus actually came back to life to be with his love>! Yuna !! FFX!<. Of course, MFF x>! FFX !!FFX!< and FFX-2, just like MFF x FFVII Remake came out between FFVII OG and FFVII. And similarly to Fatal Calling, the ending cutscene of MFF x>! FFX !!Next thing you know, FFX-2 comes out and shows Tidus returning to Yuna and their core world in an optional cutscene.!< The MFF x>! FFX !! Tidus !Remake.
~IV. b) ii. Post-OG Cloud’s Amnesia~
If we consider that Remake Cloud is a time-travelling post-OG Cloud who’s returned to the start of the OG timeline, we encounter another logistical problem: why doesn’t Cloud remember everything or most things from the OG plot-line in Remake, like Sephiroth and Remake Aerith do? After all, aren’t the three of them in the same time-travelling boat? Why isn’t Cloud as lucid on the matter as the two others? Didn’t the post-OG Cloud in Fatal Calling face his past and origins? Shouldn’t that mean Cloud would remember all that stuff in Remake from the start?
In OG, the true Cloud’s memories are repressed by both his false persona and Jenova. The latter’s memetic abilities are able to block Cloud’s memories of the past from emerging and conflicting with his SOLDIER persona. For instance, in both OG and Remake, Cloud is unable to hear Aerith tell him Zack’s name in Evergreen Park: Jenova blocks it out. I think this is a similar situation: post-OG Cloud’s consciousness carries memories things that Jenova doesn’t want Cloud to know, so she pushes down on them. On top of that, after travelling through different worlds and back through the Lifestream for who knows how long, post-OG Cloud’s consciousness must be quite weak. We know how good Cloud is at repressing, so it makes total sense to me that post-OG Cloud’s consciousness would be trapped or suppressed somewhere deep in Remake Cloud’s subconsciousness. After all, it’s not like this whole time-travelling-consciousness thing is normal for a mind to experience. It’s no wonder Remake Cloud doesn’t consciously remember how things go in OG. However, post-OG Cloud’s love and grief for Aerith are so strong that memories related to her can occasionally pierce through to his Remake consciousness and Jenova’s barriers, resulting in his MOTFs. His pain and love for her are definitely permanent and strong enough:

“A young woman descended from the Ancients who will forever be engraved in [Cloud’s] heart” (Dirge of Cerberus, Japanese manual, Aerith’s character description).
“I believe for those who formerly traveled with her as comrades and for the viewers, each carries their own feelings and love for Aerith. In this story, Cloud also carries his own undying feelings for Aerith, even to this very day… Its relation with the church scene is… Yup. I’ll leave this part to your imagination. (laughs)” (Nomura interview on Advent Children “Designer’s Note” in Famitsu PS2!magazine, October 24th issue).

So you see, Remake Cloud’s mind is a little more complicated than OG Cloud’s mind. Everything is still the same in Remake as in OG, but with the added complication that his future self is hidden in his subconscious mind, probably trying to get out.
There is actually pretty good evidence of this. I’m sure you’re aware that whenever Jenova is trying to hide something from Cloud or altering his memory and/or perception, the screen glitches green with an audio cue (34:15-34:29, 1:15:30-1:15:41 and 1:17:14-1:17:29). Guess what? These Jenova audiovisual cues also occur during the MOTFs (ie: MOTF 3 2:58-3:07 and MOTF 4 0:29-0:42). Whenever post-OG Cloud’s consciousness encounters anything that reminds it of losing Aerith, the strength of its pain helps it push memories of Aerith to the surface so that RemakeCloud can consciously see them. Remake Cloud then experiences sensations and/or visions, all from his future self’s memories as they rise to the surface, propelled by grief. Jenova can’t allow Remake Cloud to fully recover his post-OG memory, so in order to shut down the process, its cells jump in to repress the MOTFs: this results in the classic Jenova audiovisual cues. The only time Jenova doesn’t bother to fight against a MOTF is the sixth, as it is quite weak: no visions occur, only a tight sensation in his chest.
~IV. b) iii.~ ~Eclipse Contact~ ~and Cloud’s Memories of Reactor 1~
There is one problem I have trouble decoding. In Eclipse Contact, Cloud tells Wol and Echo that the last thing he remembers is the run-up to his arrival at mako reactor 1 (FFVII OG, disk 1, chapter 1). Recall that usually, people summoned to Palamecia have no memories of their world of origin and lives before that point at all. So then why is it that upon being summoned to Palamecia, Cloud recalls the events that took place right before the start of the OG game? This strikes me as highly relevant since this is the exact point in time where post-OG Cloud’s consciousness needs to be transported to in order for Remake to begin, but I haven’t been able to figure out a solid hypothesis on what it could mean. My best guess is that this is the devs’ way of signalling to us that the events of the MFF x FFVII Remake collaboration occur before the very beginning of post-OG Cloud’s second try at the OG timeline (Remake).
Now that I’ve shown you how I’ve come to form my Mission Theory and we’ve done some pesky housekeeping, let’s connect some dots, shall we? It’s time to really get into it and see if any of my wild speculation tracks with content from the Remake trilogy so far.
~V. Musical Evidence~
What about the music of the game? Any hints there? Let’s try to see if we can find support for the Mission Theory in the music made for the Remake trilogy thus far!
As a preface to my musical evidence analysis, I want to insist on something: the story guys tell the soundtrack guys everything. In a high-quality production such as Remake, people who make music for audiovisual media are told everything in advance. They need to know the secrets of every little scene, because their job is to depict whatever is happening through music.
Therefore, if the Mission Theory is true, then there has to be musical evidence for it.
~V. a) Preface: The Basics of the~ ~FFVII~ ~OST~
There’s a lot of evidence in the music of the Remake trilogy that we have to address, but before we get into it, I do have to give you the basics of the FFVII soundscape! For the easiest experience, I suggest you keep a tab open for every link I provide for you until the music analysis is over, because we will be hopping from one musical theme to another and then back again.
~V. a) i. The World Theme: Cloud’s Troubled Identity~
The world theme of FFVII is a perfect example of how musicians working on an OST have to know the secrets of a story as they compose for it. On top of representing the FFVII world as a whole, it doubles as Cloud’s character theme… except that isn’t exactly right. You see, this piece does indeed contain Cloud’s true theme, but Sephiroth and Jenova’s musical motifs also contaminate it. This, of course, symbolizes how Cloud experiences identity sabotage because of these two antagonists. The result is that globally, the world theme does indeed represent Cloud’s character, but it isn’t exclusively Cloud’s in the same way that Cloud’s mind isn’t exclusively his. It’s brilliant storytelling through musical motifs, and evidently requires Uematsu to know in advance that Sephiroth manipulates Cloud’s identity in the story.
For future reference, let’s isolate Cloud’s true theme from Jenova and Sephiroth’s influence.
~V. a) i. 1) Sephiroth: Dissonance and Semi-Tone Motif~
I’m sure you know Sephiroth’s infamous theme: “One-Winged Angel”. The first motif we need to know is Sephiroth’s threatening, repetitive dissonance motif, which plays all throughout the piece (plays solo at 0:00 to 0:04). The second motif is what I call the semi-tone motif. “One-Winged Angel” has a ton of minor 2nd intervals, which is what we call the relationship between two notes that are only a semi-tone apart. You might recognize the minor 2nd interval in the foreboding Jaws theme. Just like in Jaws, the minor 2nd interval or semi-tone is commonly used to indicate an impending, life-threatening danger, a monster, predator, evil, or insanity; suits Sephiroth quite nicely!
~V. a) i. 2) Jenova: Parasite Motif~
The track “J-E-N-O-V-A” contains many competing melodies and has generated many variations of those melodies —almost like clones— that all represent aspects of the alien’s character. The main Jenova motif is simply a descending, two-octaves-long, arpeggiated mb6 chord (eight notes total). I’ve played it for you here. Sometimes, this motif is altered to form variations. For instance, in “Listen to the Cries of the Planet”, a variation of Jenova’s main motif is created by changing the order of the notes and reducing the number of notes to only six (0:00-0:03), however, it remains an arpeggiated mb6 chord. Regardless of the alteration, if you hear an arpeggiated mb6 chord, it means Jenova is creeping close by or that its influence is at work.
The variation of the mb6 arpeggiated chord that concerns us alters Jenova’s main theme so it ascends from the tonic to the b6 note and descends back to the tonic, then ending on the lower dominant for a total of eight notes. I’ve played it for you here. I call this variation the “parasite motif”, because it is often heard when Cloud is being controlled by Jenova. For instance, it plays when Cloud loses himself and becomes unusually violent in Rebirth’s chapter 13 (17:25-18:34), signalling to us that Jenova is in control. It is also the main motif of the track “Who… Am I?”, which evidently symbolizes Jenova’s fuelling of Cloud’s identity crisis— though here, the parasite motif is shortened to its six first notes.
~V. a) i. 3) Cloud’s True Self~
Now that we can recognize Sephiroth and Jenova’s motifs, let’s return to the world theme to isolate Cloud’s true self. Cloud’s true theme can be heard from 0:51 to 3:48. It consists of a section A (0:51-1:54), followed by a section B (1:54-2:41), and then returns to section A (2:41-3:48).
After Cloud’s true theme concludes however, it seems he experiences a psychic interference: doubt and confusion weave through the world theme (3:48-4:09), representing an instability in his identity. I call this interruption of Cloud’s true theme the “interference section”. It symbolizes a moment of psychic interference or weakness within Cloud that Sephiroth and Jenova take advantage of to take control of Cloud.
The end of the interference section introduces Jenova’s parasite motif. It slithers in (4:09), later joined by Sephiroth’s dissonance motif (4:16): Cloud’s mind and identity are being hijacked by the two antagonists in service of their evil plans.
They torment Cloud, dominating his mind until he manages to free himself: section A of Cloud’s true theme begins playing again (6:06), closing the loop of the theme.
Based on this musical storytelling, if you already knew the character motifs going into OG, you might’ve suspected something odd was going on with Cloud’s identity, and that Jenova and Sephiroth were involved. All this to say that whatever music is playing at any given time can give us hints as to what is going on. That’s the power and significance of a good soundtrack. Trust me when I say that with Uematsu and his team, we’re in excellent hands. And remember: the story guys tell the soundtrack guys everything.
~V. a) ii. Aerith’s Theme~
Another base we have to cover before checking out the Remake soundtrack is Aerith’s theme. I’m sure everyone here is familiar with it, but I insist that you refresh your memory. It consists of a section A (0:00-0:34), a section B (0:34-1:13) and a section C (1:13-2:00), concluding with a repeat of section A.
~V. a) iii. Motifs and Timing in~ ~FFVII~ ~OSTs~
I’m going to analyze pieces in great detail, which people who haven’t studied or paid attention to soundtracks may find strange. To prevent anyone from making the mistake of thinking that I’m reading too much into things, I want to emphasize that the music that plays during the Remaketrilogy’s cutscenes is carefully timed, composed and arranged to match the events in the cutscenes, as they are provided in advance to the musicians. Composers pay lots of attention to whatever is going on onscreen so they can include the corresponding musical motifs as accompaniment at the exact right moments, always striving to get the timing perfect. I’m not exaggerating the effort and minutia involved in soundtrack composition and arrangement. Here are just a few sound staff comments from the “Material 4: Soundtrack” section of the FFVII Remake Material Ultimania to prove it:

“[To] make sure players really feel the weight of the moment, we worked hard on getting the tempo and the entry timing of each instrument exactly right. In particular, that big ‘boom’ that sounds almost like a meteor crashing down was fine-tuned to match the timing of the logo's appearance. I remember this was a real sticking point for us, because if the boom's timing was even slightly off, the effect would be completely different. We […] had to sequence [each and every sound] to play at exactly the right moment” (Shotaro Shima on track “Midgar, City of Mako”, page 229).

&

“I was originally told to keep this piece to under two minutes, but it ended up being over six minutes long, in order to match the flow of the cutscene. I arranged the track while watching the latest CG visuals that had been rendered for the scene” (Naoyuki Honzawa on track “Smash ‘Em, Rip ‘Em”, page 309).

&

“This is the track that plays during the tour of Shinra’s different divisions. The movie shown in the Visual Entertainment Hall describes the history of the Ancients (0:25 onward in the soundtrack version), and I wanted to create a musical link to them as well, so I made use of the chord progression from ‘Aerith’s Theme’ [D(I)-Am(Vm)-D(I).] [This simple sequence of moving from major to minor and back again creates a really mysterious air. Then, during the section where the movie recounts the history of the construction of the Shinra Building (1:47 onward in the soundtrack version), I quoted a section of the Shinra theme” (Yasunori Nishiki on track “Stewards of the Planet”, page 313).

~V. b) The~ ~Remake~ ~OST~
Now that you’re ready, it’s time to verify the Mission Theory’s validity with Remake’s music.
~V. b) i. MOTF 6 Music~
We were able to explain Remake Cloud’s MOTFs with the Mission Theory, and it just so happens that the music that plays during the scene of MOTF 6 is unique to Remake. This gives us the perfect opportunity: we should analyze the piece that plays as it occurs to evaluate the legitimacy of our theory on the Remake trilogy, using all the motifs we uncovered in section “V. a)”.
First, a refresher on the scene and on our theory’s interpretation of it. The party is gathered in Aerith and Ifalna’s old room at Shinra HQ. Here is how the scene is described by the VA script notes:

“The Whispers once again close in [on Aerith], but Aerith refuses to stop speaking this time.
Aerith: Listen to me. […] Shinra isn’t the enemy. They were the ones who set things in motion, but our true foe is someone else.
At that moment, the spectacle of Meteor they saw in the Visual Entertainment Hall comes into Cloud and the others’ heads.
Aerith: Somehow, some way, I want to help— all of you… the planet…
For some reason, Cloud feels his chest constrict tightly” (FFVII Remake Material Ultimania Plus, VA script notes, “Aerith Speaks”).

Indeed, right after Aerith says she wants to help the planet any way she can, Cloud looks down at his chest with a frown and a quiet grunt (7:46-7:54). According to the Mission Theory, this tightness in Cloud’s chest can be explained as an emergence of post-OG Cloud’s grief, triggered by the slightest allusion to Aerith’s sacrifice.
The piece that plays during this scene is called “Aerith’s Theme - The Cetra”. It is one of many variations of Aerith’s iconic theme arranged for Remake. However, Cloud’s theme is just as prominent in the piece— if not, more.
~V. b) i. 1) The Fate Motif~
Before we interpret “Aerith’s Theme - The Cetra”, I need to introduce you to one more motif that crops up in the piece. There is a windy motif that appears (from 1:45 onwards) and it is unaccounted for, despite how it’s clearly meant to represent something. I’ve become certain that this wind noise symbolizes fate, and I’ll tell you why.
In the MOTF 6 scene, just after Nanaki explains how he gained knowledge of the Whispers via contact with Aerith (7:23), they emerge and begin swirling aggressively around Aerith (7:26). Her hair and dress blow and ripple in the resulting wind. From this very moment onward “Aerith’s Theme - The Cetra” (3:00), a string section (bowed instruments in the violin family) that deliberately emphasizes the airy sound of the bow crossing the strings enters, creating a windy effect that adds to the already present wind noise (that started at 1:45). As the Whispers progressively become even more aggressive onscreen, both the wind SFX of the cutscene and the wind noise in the piece get louder and louder. Because of the timing of its appearance and crescendo in the cutscene, I’m certain the wind noise is meant to represent the restrictive flow of fate; it only makes sense, given that destiny is a current —or a wind— that cannot be broken, and Aerith is like a helpless petal in fate’s carefully planned storm. Of course, it’s also quite significant that the Whispers make a windy noise as they fly. You can hear it every time they’re onscreen, like when they first appear to Cloud in chapter 2 of Remake (17:45-18:20), or when the White Whispers hold Cloud back from chasing after Aerith during Rebirth’s Sleeping Forest scene in chapter 14 (28:43-29:45). You can also hear the wind sounds in other Whisper-related tracks, such as “Whorl of Whispers” (clearly audible at 2:50-3:05), as well as “A Death Not Ordained by Fate” (clearly audible at 2:56-3:18). Therefore, I’ll call these wind noises the “fate motif”.
~V. b) ii. 2) Interpreting “Aerith’s Theme - The Cetra”~
In part 1 of “Aerith’s Theme - The Cetra” (0:00-1:45), Aerith’s theme and Cloud’s true theme play simultaneously, their respective phrases fitting perfectly together, interweaving peacefully and softly. It sounds like the two of them are chatting, dancing bashfully yet contently and in perfect sync, glad to be exactly where they’re meant to be as their themes sing together in harmony (soft piano). Part 1 of this piece is about Cloud and Aerith becoming important to one another as they discover their soulmate bond.
Unfortunately that contentment doesn’t last. In part 2 (1:45-3:00), Cloud experiences a moment of psychic vulnerability (world theme’s interference section). Fate lurks (fate motif enters quietly). His instability forces our couple’s sweet dance to a halt, and Aerith’s theme must retreat as Cloud’s confusion takes center stage. Sephiroth torments and taunts him (semi-tone played by strings, 2:03-2:10), taking advantage of Cloud’s psychic interference to plunge him into darkness (world theme’s interference section ends, low cello enters, 2:18): Cloud temporarily becomes a darker version of himself as evil corrupts him (piano plays section A phrases 1 and 2 of Cloud’s true theme in minor, 2:18-2:53). Jenova finally reveals itself and promptly exits, releasing Cloud’s mind from its grasp (seven first notes of parasite motif played twice on piano 2:53-3:00). Cloud is free, but the damage has been done: his dance with Aerith has long been interrupted, and she is gone. Part 2 of “Aerith’s Theme - The Cetra” is about Cloud being manipulated in service of Sephiroth and Jenova’s evil plan, interrupting his interaction with Aerith.
Part 3 (3:00-3:33) kicks off the mechanisms of a tragic fate (strings section joins fate motif, 3:00). Both anxious that she’s disappeared from his side and terrified of the darkness he just discovered inside him (in part 2), Cloud fearfully calls out for Aerith (phrase 1 of Cloud’s true theme’s section A, timid and hesitant piano, 3:04-3:15). Before his psychic interference began (start of part 2), Cloud’s voice was accompanied by Aerith’s as they grew closer and closer (their character themes mingling in part 1)… but now, Aerith isn’t answering his call, and he cannot find her (Aerith’s theme doesn’t to join Cloud’s anymore).
Anxious, Cloud tries calling out for Aerith a second time (section A phrase 2 of Cloud’s true theme’s, 3:19-3:31), searching for her in the hopes that they can continue their dance, but even now, Aerith does not respond. She’s gone (Aerith’s theme remains absent). Destiny keeps Aerith away from Cloud (fate motif gently crescendos). Part 3 of “Aerith’s Theme - The Cetra” is about Cloud’s separation from Aerith, his search for her, and the fear and anxiousness he feels when he realizes he cannot find her.
And then, part 4 begins with a sweet, gentle voice, calling out from the blackened horizon: it’s Aerith (section B phrase 1 of Aerith’s theme, soft piano, 3:33-3:45). Cloud finally hears her respond to his pleas: he’s found her. Fate begins howling in protest, doubling its efforts to keep Cloud and Aerith apart (fate motif crescendos noticeably in reaction to Aerith’s theme, 3:45). You can just picture Cloud running toward Aerith, struggling against the current of destiny to try and close the distance between them. Aerith tries calling out for Cloud a second time, (section B phrase 2 of Aerith’s theme, 3:40-3:43), but the Whispers only swirl around her more ferociously, taking her away in the uncompromising current of fate (fate motif continues to crescendo). Aerith tries again (section B phrase 1 of Aerith’s theme, 3:47-3:49). It sounds like she’s saying “Cloud, I’m over here, come find me!”
Fate doesn’t take too kindly to her defying it. Cloud and Aerith are not supposed to be together; it can’t be, it won’t. She’s destined to die to save the planet, and he’s destined to remain hollow forevermore. I can picture Cloud breaking into a sprint at the sound of her voice, running countercurrent to the flow of destiny— but the winds are so loud, fate’s demands are so strong, and the Whispers are shrieking in defense of destiny now. Aerith’s voice emerges for the fourth time (first three notes of section B phrase 3 of Aerith’s theme, 3:54 to 3:56). Fate screams louder, louder (steep crescendo of fate motif, 3:59-4:02). In a desperate hail Mary, Aerith shouts out one more time, as though throwing her hand out toward Cloud’s extended fingers (section C phrase 1 of Aerith’s theme, louder and more insistent, cutting through the fate motif as it crescendos sharply, 4:00-4:06). Part 4 of “Aerith’s Theme - The Cetra” is about Cloud and Aerith desperately trying to defy fate in order to be together. And then, it all stops: fate has seemingly quieted Aerith (4:04-4:08)…
Part 5 (4:08-4:27) begins with Cloud jumping, launching himself off the ground with all his strength (Cloud’s true theme section A phrase 2, first 5 notes, melody starting on the note E5 and ascending) as Aerith plummets toward the ground in a fatal fall (Aerith’s theme section C phrase 1, melody starting on the note E6 and descending, the last note altered)— he successfully catches her in mid-air (both Cloud’s ascending melody and Aerith’s descending melody meet in the middle of the octave, first uniting on B5, and then ending on A5). I’ve recreated the melodies for you here so you can hear this reunion more clearly. If you consider that the airy strings in this piece represent fate, which I do, the fact that they follow Cloud and Aerith’s themes in part 5 signifies that they are now in control of their own destinies, and successfully making it their fate to reunite.
To be completely frank, I did not realize until right now writing this that Cloud unites with Aerith in part 5, even though his theme is right there. I’m so excited to share this part with you.
We hear Aerith once more, her voice quietly trailing off into the silence (phrase 4 of section C of Aerith’s theme) with no conclusion (phrase 5 normally follows phrase 4 to conclude Aerith’s theme, but is absent here). Part 5 of “Aerith’s Theme - The Cetra” suggests that Cloud will save Aerith and that the couple will change their fate, but also conveys an uncertain and open-ended quality.

I will be moving to the Phoenix AZ area in a few months and am considering trying to become an electrician. Currently I work in government maintenance/trades/heavy equipment operator with a CDL so I know my interest lies with blue collar work. I also like the idea of getting into electrical works as the barrier of entry to journeyman will keep me more valuable than an illegal unlike drywall if you get what I’m sayin haha.
I am struggling to find detailed info about why I may want to go union other than it seems like the easiest/fastest way to become an apprenticeship in the Phoenix area. Maybe I’m wrong on that. I called local 640 to ask questions but was just ushered to the guy that tells me how to apply. No union workers in my family so I know nothing about going union. Is union a life-time commitment? Or could I leave in 10 years when I move again? Can I withdrawal any retirement I have accrued to bring with me? Around 10 years from now I will be moving again(wife’s job) so I’m just concerned about what I may loose doing that. I’m also concerned about being out of work for weeks at a time as I’ve read happens so any insight into that would be nice as well.
Thanks in advance guys. IBEW seems like a good community for the most part and I could see myself in it.

Well, yesterday's stock market rally sure was nice! It bumped me up to my next 100k net worth milestone of 400k, which is the first milestone that feels really, really significant (at least for me). I've never celebrated any NW milestones, but I think I will with this one, even if by Friday stocks dip back down :)
Net Worth Milestone Timeline

• January 2020 (start of tracking): $44,173.34
• December 2020: $111,037.15
• September 2021: $206,220.90
• May 2023: $307,015.23
• May 16th, 2024: $401,954.89

Asset Breakdown

• Solo 401k: $150,738.73
• Roth Solo 401k: $7,113.60
• Roth IRA: $66,037.85
• HSA: $3,821.22
• Taxable Brokerage 1 - 100% stocks: $57,918.17
• Taxable Brokerage 2 - 55% stocks, 45% bonds: $109,248.00
• High Yield Savings: $7,077.32
• Total: $401,954.89

No real estate, no car, no debt. I had a very high-spend year in 2023 and I'm working on building my HYSA back up to where it was (around $30k). Taxable Brokerage 1 is earmarked to grow alongside my tax-advantaged retirement accounts, and Taxable Brokerage 2 is flexible: I can either use some of it for a mini sabbatical, or as a downpayment on a house, or can even just sit there as a "riskier" high yield savings account.
How I Got Here
I've always been a freelancecontractor. You can read a detailed breakdown of my career trajectory and yearly income here if you're so inclined, but basically I went from driving for Lyft while working on my illustration portfolio after graduating college in 2015 ($12k/year), to getting steady work as an illustrator and permalancing at a magazine as an art director (very variable income between $150k - $200k/year).
I'm much more focused on the FI part of FI/RE as I don't ever see myself not working in some capacity, but aiming for some version of coastFI or at least front-loading my retirement vehicles has given me the ability to a step back, not accept assignments I don't want to work on, and possibly fund a mini sabbatical in the near future.
I'm proud of myself, and I wish you all the best on your own FI journeys! Thanks for reading.

Heads up - I wrote a longer than anticipated into to this topic...if you want to skip the background and get to the meat, you can skip to the list toward the bottom!
Background:
My childhood was a pretty typical middle-class, suburban existence.
I went to public schools growing up. I went to an average state university. My dad passed while I was in college and my mom was a public school teacher so I was more or less on my own to figure life out after my dad passed.
I share that because cruising often and being able to afford to stay in suites is relatively new for us.
I'm an entrepreneur and when COVID started we were on the verge of bankruptcy, not just my business, but my personal finances as well.
I had quit my last corporate job in the tech industry 4 years earlier and hadn't taken a paycheck since. We were surviving on my wife's teacher's salary and the savings and retirement I'd built after a decade in the soulless troughs of corporate BS.
After 4 years of not paying myself while trying to raise two kids, a mortgage, and living the American dream we were at the end of our ropes financially.
I'd drained my retirement (I never touched my wife's incase something ever happened to me), drained our savings, and racked up $250k in credit card debt.
Just as COVID was beginning, I came home from the office one day, handed my wife a credit card, and looked her in the eyes holding back tears and told her, "there's $400 in this account before it's maxed out - buy all the groceries you can because I don't know when I'll have anymore money for us."
Faced with $250k in CC debt, if I couldn't turn things around we were going to going to have to claim bankruptcy so with nothing to lose, I cashed out our home equity as one final cash infusion into the business before closing shop and starting over financially.
With the money from that loan, I resolved to do three things:

1. I hired a business coach to figure out why despite growing revenue, we couldn't make consistent profits.
2. We're located in a rural community so we expanded into a much larger city 90 minutes from us...my hope here was that I didn't know how long the shutdown was going to last (it definitely hit us hard early in the pandemic), but by marketing to a larger area we'd hopefully be able to make enough money to survive.
3. I was going to finally begin paying myself after 4 years of not taking a paycheck and reinvesting everything into the business.

I've been extremely fortunate that this was a turning point in my business. In the 4 years since then we've grown by nearly 1,000% and we're now making a very healthy profit and I've built the business to where it runs without me (I work 8-12 hours/week on the business on high-level activities, primarily guiding my leadership team and handling the financials + some tech innovations periodically as I identify them). I've repaid all of our debt and I'm working on rebuilding our retirement while investing a percentage of the profits into building a new business (one that will be less employee intensive).
This is all relevant because this has put me in a place where we can afford to cruise often (6-8 weeks/year) + I have the luxury (privilege honestly) of not having to worry about PTO.
Side Note: For those of you who hate capitalists like me - my lowest paid employee last year made $50k (+ full benefits) in an area where the median income is only $33k...half of my team made $100k+. We're quite possibly the highest paying company in our region (definitely in our industry) and as a result have extremely low turnover and I'm able to hire the best of the best so we have an excellent culture.
So back to the main reason for this post - having the opportunity to cruise often, about 75% of the time in suites, I've noticed the folks we meet and interact with in the suites tend to fall in one of six categories:

1. The Status Cruiser: These are the folks we all see on social media and unfortunately on cruise ships whose entire identity is wrapped up in their loyalty status and their suite class. They are absolutely the main character and its of absolute importance to them that everybody know this. You can typically spot them from across the room before you even talk to them because they're dressed to the 9s and carry themselves in a way completely stereotypical of what you'd expect from somebody who truly believes their farts smell like roses.
2. The Retirees: There's a good amount of overlap between this persona and the Status Cruisers mentioned above, but they're not all like this. The ones who don't overlap with the previous group tend to be extremely friendly and I've had many great conversations with them learning about their life experiences and sharing the wisdom they've picked up over the years to help with on my own journey. They tend to stick to the recommended dress codes and are sometimes put off by people who don't share the same motivations for structure and etiquette.
3. The Bucket List Cruisers: These folks often save money for years, pinching pennies so they can afford what may very well be a once-in-a-lifetime opportunity for them sailing in a suite. They often want to squeeze as much value out of the suites as they can since they may never be in one again (I don't fault them for that...make the most of it!). They're often dressed to the 9s as well but sometimes appear less comfortable in the various social situations you find in the suite areas (i.e. grabbing a drink in a lounge, having a nice dinner in the suite restaurant, etc).
4. The YOLO Cruisers: I don't encounter these cruisers on every sailing, they're definitely more common during holiday sailings (i.e. Spring Break, Christmas, etc). These folks are living their best lives. The fellas are often wearing flip flops and neon tank tops and their wives/girlfriends in cut off jean shorts and a see-through cover-ups over their bikini tops. Fortunately they typically aren't over the top obnoxious, but they couldn't care less about any recommended dress codes or societal queues. They're there to have the time of their lives, everybody else be damned.
5. The DINKs: These couples are often from the LGBTQ+ community (not hating, just the reality), but not exclusively. They have good paying jobs and often are able to work remotely from the ship so they don't even need to use PTO. They typically keep to themselves and associate mostly with other DINKs. You can usually find them enjoying a drink in the suite lounges later in the evenings after a fun night out partying. One evening you may see them dressed to the 9s and the next they may be in beach attire - they march to the beat of their own drum but also don't really interrupt anybody's vacation (aside from maybe the folks in the first two categories who care more than they probably should about dress codes).
6. The Family Cruisers: There aren't many sailing in suites with kids, but the ones who do tend to have well-paying corporate jobs that they're not able to fully disconnect from (even on a cruise ship). They have good to great paying jobs but have limited vacation time so they prefer to pay a premium to make the most of their time off when they're able to get away. Often you'll see these parents responding to emails in-between parenting. You can sometimes catch them in the lounge grabbing a drinks in the evenings after their kids have gone to bed for the evening. We fall into this category with two kids under the age of 10.

I don't know if this is interesting to you guys but I was randomly thinking about it earlier and thought some of you may find it of interest.
What do you think? Did I leave any categories out? Do you disagree?
Random food for thought! Whatever category you fall into, and whatever type of cabin you happen to cruise in, happy sails everybody!

Has anyone used the target brand Stars Above long sleeve/long pant pajamas for their bridal party?
I purchased the tops but it looks like pants are out of stock. I am hoping it it temporary however it has been several weeks. For those who have ordered these… is it common for this item to go out of stock? How long did it take to come back into stock? I thought plain black satin pajama pants would be easy to find but proving to be tricky!

If goal is to have about 60/40 or 65/35 stocks/bonds at retirement, and rebalance strategy is by future contributions only, bond glide path for contributions would look similar to this correct?
Age 35 - 40: 100% stocks, 0% bonds
Age 40 - 45: 90% stocks, 10% bonds
Age 45 - 50: 75% stocks, 25% bonds
Age 50 - 55: 50% stocks, 50% bonds
Age 55 - 60: 25% stocks, 75% bonds
Age 60 - 65: 25 % stocks, 75 % bonds

Hello,
I will be asking for formal separation shortly. I want to make sure I’ve got my ducks in a row before pulling the trigger. We are still amicable and have been discussing this for a while (her idea) so the separation won’t be a total surprise. Hoping to get some direction from you guys… (37m, 37f, no kids)
Have already-
• Liquidated stocks/bonds and moved to personal savings
• Closed our joint credit card
• Removed her from my cell phone plan
• unloaded some shit locally to get a lil handful of cash
• dropped my retirement contributions to the minimum amount to get matching
• gathered statements for all accounts and titles for all assets
• have been consulting with lawyers all over town to get an understanding of the process after this and trying to decide which mediator to go with and which lawyer to keep in my back pocket if things get nasty.
Anything else I should do? Will prob drop the bomb on Monday.
Cheers -

So I have been watching this stock for about a month now. I want to enter in this stock but not able to convince myself about the price to enter. This company is involved in power, railways and semiconductor sectors which makes it attractive for me. Its price was around 520 about a month ago but for me it was a bit overpriced then. I was waiting for it to correct a bit for entry but this stock has been rising since and now trading at about 630. Its PE and PB ratio are very high compared to industry which makes it risky to enter at this level. Anyone who has studied this stock please help. What could be the ideal entry price for this stock?

So I have been watching this stock for about a month now. I want to enter in this stock but not able to convince myself about the price to enter. This company is involved in power, railways and semiconductor sectors which makes it attractive for me. Its price was around 520 about a month ago but for me it was a bit overpriced then. I was waiting for it to correct a bit for entry but this stock has been rising since and now trading at about 630. Its PE and PB ratio are very high compared to industry which makes it risky to enter at this level. Anyone who has studied this stock please help. What could be the ideal entry price for this stock?

• Investor had agreed to purchase up to $25 million of preferred shares
• Alzamend expects to use proceeds to further its clinical trials and working capital purposes

ATLANTA--(BUSINESS WIRE)-- Alzamend Neuro, Inc. (Nasdaq: ALZN) (“Alzamend”), a clinical-stage biopharmaceutical company focused on developing novel products for the treatment of Alzheimer’s disease (“Alzheimer’s”), bipolar disorder (“BD”), major depressive disorder (“MDD”) and post-traumatic stress disorder (“PTSD”), announced today that it closed upon the initial tranche of a private placement (the “Private Offering”) pursuant to the Securities Purchase Agreement (the “Agreement”) with an institutional investor (the “Investor”).
On May 10, 2024, the Investor purchased 50 shares of Alzamend’s Series A Convertible Preferred Stock (the “Preferred Shares”) for $500,000 in the Private Offering, of which $311,356.16 (which included accrued but unpaid interest) was paid by the Investor by the surrender for cancellation of a term note issued by the Company to the Purchaser on April 29, 2024 in the principal face amount of $310,000. Concurrently with the initial closing of the Offering, the Investor purchased an additional 50 Preferred Shares in a registered direct offering for $500,000 (the “Registered Direct Offering”). The Investor also received warrants to purchase 800,000 shares of Alzamend common stock in the Private Offering.
Pursuant to the Agreement, the Investor agreed to purchase up to $25 million Preferred Shares, of which $500,000 were in the Registered Direct Offering, and up to $24.5 million will be purchased in the Private Offering, of which $1.5 million will be upon filing of a resale registration statement (the “Registration Statement”), $2.5 million within 30 days after effectiveness of the Registration Statement, $2.0 million within 60 days after effectiveness of the Registration Statement and the execution of a partnership agreement with a nationally renowned research facility for a clinical trial, and $1.0 million on each monthly anniversary of the effectiveness of the Registration Statement. In addition, the Investor will receive warrants to purchase an aggregate of 20 million shares of Alzamend common stock if the full amount of the Preferred Shares are purchased.
“This closing, together with completion of the Private Offering, will help us further our clinical trials,” said Stephan Jackman, CEO of Alzamend. “We are working diligently towards completing the next milestone. If we can develop a next-generation lithium product that would not require therapeutic drug monitoring, it would constitute a major improvement over current lithium-based treatments and positively impact the 43.5 million Americans afflicted with Alzheimer’s, BD, MDD and PTSD. Moreover, this funding will enable us to continue our Phase I/IIA safety/tolerability/efficacy clinical trial of our immunotherapeutic vaccine, a potential cure for Alzheimer’s.”
Additional information regarding the securities described above and the terms of the Private Offering are included in an amended Current Report on Form 8-K/A filed with the United States Securities and Exchange Commission on May 10, 2024.
This press release shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of shares of Alzamend’s common stock in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or other jurisdiction.
For more information on Alzamend, stockholders, investors, and any other interested parties may read Alzamend’s public filings and press releases available under the Investor Relations section at https://www.alzamend.com/ or available at https://www.sec.gov/.
FULL RELEASE: https://ir.alzamend.com/news-events/press-releases/detail/67/alzamend-neuro-announces-initial-closing-of-private

https://live.staticflickr.com/65535/53705565346_2803792de3_b.jpg
Vera v dividende ki naj bi bile “imune” proti padcem trgov se je rodila pred desetletji v ZDA. Ameriški "plemenitelji" so takrat "ugotovili" da naj bi bilo vseeno kakšni so kapitalski dobički kadar delnica izplačuje visoke dividendne donose. Zato so take delnice na veliko priporočali upokojencem. Firma VectorVest še dandanes trdi sledeče:
“Dividends are particularly valuable in retirement because they provide a consistent stream of income that can help cover living expenses. And, unlike bonds, dividend stocks offer the potential for capital gains as well as income. That means your portfolio can continue to grow even as you withdraw money from it.
https://www.vectorvest.com/blog/retirement/how-to-retire-on-dividends/#:\~:text=Dividends%20are%20particularly%20valuable%20in,you%20withdraw%20money%20from%20it.
Pa je to kar trdijo “plemenitelji” tudi res?
Prvič: dividendni donosi niso garantirani in jih lahko podjetje kadarkoli ukine.
Drugič: Dividendni donosi (dividend yield) niso isto kot izplačane dividende (dividend payout). Dividendni donos je izračunan v odstotku. Delnica vredna 100$ bo ob 10% dividendnem donosu vlagatelju izplačala 10$ na leto. Če pa cena delnice pade bo posledično ob istem dividendnem donosu padla tudi količina izplačanih dividend. V tem primeru bo celoten donos delnice oškodovan dvakrat: prvič zaradi nizkega ali celo negativnega kapitalskega dobička, drugič pa zaradi manjših izplačanih dividend.
Vzemimo naprimer delnico GNL (Global Net lease incorporated). Delnica ki je imela maja 2024 15.11% dividendni donos je bila 30. junija 2015 vredna 26.52$; 6. maja 2024 pa samo 7.28$. Deset tisoč $ vloženih v delnico GNLa junija 2015 je v manj kot 9. letih padlo na 7144.62$ (celoten donos minus 28.55%)
Nasprotno pa je delnica ETFa VOO ki pasivno sledi indeksu SP500 v istem časovnem razdobju narasla od 188.04$ na 474.72$. Ker izplačane dividende zavisijo od cene delnice je ob minimalnem dividendnem donosu 1.36% deset tisoč $ vloženih v delnico VOO v istem časovnem obdobju naraslo na 29435 $ (celoten donos plus 194.35%):
https://live.staticflickr.com/65535/53705565346_2803792de3_b.jpg
Kadar boste v bodoče srečali “plemenitelja” ki vam bo vzhičeno razlagal da je “iznašel” nekaj povsem “novega” - npr vlaganje v “imune” delnice z visokimi dividendnimi donosi - se spomnite na zgornji primer. Če bi kdorkoli resnično “iznašel nekaj novega” bi v to vlagal sam, ne pa podtikal drugim.
https://www.investopedia.com/terms/d/dividendyield.asp
https://www.youtube.com/watch?v=Ku_WKSCBJCA

Hey fidelityinvestments,
Welcome to the Daily Discussion. Here’s a place where you can ask the community questions about your investments.
We also have a wide range of Fidelity resources that can also help you get started:

• Fidelity Learn
• Guide to diversification
• Investing ideas for your IRA
• Create a financial plan
• Retirement Planning and Guidance center
• Fidelity Webinars
• Fidelity YouTube

Another helpful resource is our Screener tool on Fidelity.com. We have screens for mutual funds, exchange-traded funds (ETFs), and stocks. You can access any of the screeners in the "News & Research" drop-down menu on Fidelity.com and then click the security type you want to research. These screeners let you compare different securities to help find which one suits your needs best.
Just as a general reminder, investing involves risk, including risk of loss. The experience of customers expressed here may not be representative of the experience of all customers and is not indicative of future success.

26m, about 50k in a Roth IRA, 24k in a traditional ira, 2k in a 457 split between Roth and traditional , and about 3k in a general stock account. My cash savings is roughly 3k (plan to increase to 10k). I currently work for the government on year 2 of 30 for an 80 percent pension . I just took police exam and waiting for a call back from department . I'm saving 20 percent into my Roth which allows me to max out each year (just shy of 21 dollars an hour ). I am putting 10 dollars a week into my 457 accounts , but I plan on increasing when the plan allows me to (they don't think I work there yet they still take money). I do not own a home, but plan on buying land and then doing a a builder loan. What do I need for a percent to save in the 457 to ensure I can retire at 59 ? Should I count out the pension and assume I'll never get it? Am I even on track to close to retiring based on percents? Should I consider 20 percent into the Roth and traditional 457 for a total savings rate of 40 percent? I have a bachelors in business administration but couldn't find a job in finance. I enjoy government benefits so I don't intend on leaving until at least 10 years so I can collect 20 percent of pension. Any tips to make my life easier?

I'm trying to install an old modpack I've already made in the past but its giving me this error I've never seen before. I made this pack about a year ago and have reinstalled it again and had no issues. Pls help
crash message:

A mod crashed on startup! net.fabricmc.loader.impl.FormattedException: java.lang.RuntimeException: Could not execute entrypoint stage 'preLaunch' due to errors, provided by 'soundcategories'! at net.fabricmc.loader.impl.FormattedException.ofLocalized(FormattedException.java:63) at net.fabricmc.loader.impl.launch.knot.Knot.init(Knot.java:162) at net.fabricmc.loader.impl.launch.knot.Knot.launch(Knot.java:68) at net.fabricmc.loader.impl.launch.knot.KnotClient.main(KnotClient.java:23) Caused by: java.lang.RuntimeException: Could not execute entrypoint stage 'preLaunch' due to errors, provided by 'soundcategories'! at net.fabricmc.loader.impl.FabricLoaderImpl.lambda$invokeEntrypoints$2(FabricLoaderImpl.java:388) at net.fabricmc.loader.impl.util.ExceptionUtil.gatherExceptions(ExceptionUtil.java:33) at net.fabricmc.loader.impl.FabricLoaderImpl.invokeEntrypoints(FabricLoaderImpl.java:386) at net.fabricmc.loader.impl.launch.knot.Knot.init(Knot.java:160) ... 2 more Caused by: java.lang.ExceptionInInitializerError at java.base/java.lang.Class.forName0(Native Method) at java.base/java.lang.Class.forName(Class.java:467) at net.fabricmc.loader.impl.util.DefaultLanguageAdapter.create(DefaultLanguageAdapter.java:50) at net.fabricmc.loader.impl.entrypoint.EntrypointStorage$NewEntry.getOrCreate(EntrypointStorage.java:117) at net.fabricmc.loader.impl.entrypoint.EntrypointContainerImpl.getEntrypoint(EntrypointContainerImpl.java:53) at net.fabricmc.loader.impl.FabricLoaderImpl.invokeEntrypoints(FabricLoaderImpl.java:384) ... 3 more Caused by: java.lang.RuntimeException: Mixin transformation of net.minecraft.class_2960 failed at net.fabricmc.loader.impl.launch.knot.KnotClassDelegate.getPostMixinClassByteArray(KnotClassDelegate.java:427) at net.fabricmc.loader.impl.launch.knot.KnotClassDelegate.tryLoadClass(KnotClassDelegate.java:323) at net.fabricmc.loader.impl.launch.knot.KnotClassDelegate.loadClass(KnotClassDelegate.java:218) at net.fabricmc.loader.impl.launch.knot.KnotClassLoader.loadClass(KnotClassLoader.java:119) at java.base/java.lang.ClassLoader.loadClass(ClassLoader.java:525) at dev.stashy.soundcategories.SoundCategories.(SoundCategories.java:41) ... 9 more Caused by: org.spongepowered.asm.mixin.transformer.throwables.MixinTransformerError: An unexpected critical error was encountered at org.spongepowered.asm.mixin.transformer.MixinProcessor.applyMixins(MixinProcessor.java:392) at org.spongepowered.asm.mixin.transformer.MixinTransformer.transformClass(MixinTransformer.java:234) at org.spongepowered.asm.mixin.transformer.MixinTransformer.transformClassBytes(MixinTransformer.java:202) at net.fabricmc.loader.impl.launch.knot.KnotClassDelegate.getPostMixinClassByteArray(KnotClassDelegate.java:422) ... 14 more Caused by: java.lang.ClassCastException: class com.llamalad7.mixinextras.lib.apache.commons.tuple.ImmutablePair cannot be cast to class org.apache.commons.lang3.tuple.Pair (com.llamalad7.mixinextras.lib.apache.commons.tuple.ImmutablePair and org.apache.commons.lang3.tuple.Pair are in unnamed module of loader net.fabricmc.loader.impl.launch.knot.KnotClassLoader u/57d5872c) at ca.fxco.memoryleakfix.config.mixinExtension.UnMixinExtension.preApply(UnMixinExtension.java:23) at org.spongepowered.asm.mixin.transformer.ext.Extensions.preApply(Extensions.java:156) at org.spongepowered.asm.mixin.transformer.TargetClassContext.preApply(TargetClassContext.java:414) at org.spongepowered.asm.mixin.transformer.TargetClassContext.applyMixins(TargetClassContext.java:401) at org.spongepowered.asm.mixin.transformer.MixinProcessor.applyMixins(MixinProcessor.java:363) ... 17 more 

Detailed Analysis of Mobile-health Network Solutions (MNDR) Technology Development and Business Areas
​

1. Technology Development Status

MaNaDr Platform:
Telehealth Services: The MaNaDr platform offers telehealth services that connect patients and doctors remotely. This platform allows users and healthcare providers to connect via a mobile app, enabling patients to receive consultations conveniently from home (GlobeNewswire).
Digital Prescription Management: This system digitally issues prescriptions to patients, allowing them to order and receive medications through delivery (Simply Wall St).
Health Management Programs: It provides various health management programs, including weight management and gender-specific health programs (Finviz).
Revenue and Profitability Outlook:
Revenue Growth: Revenue from the MaNaDr platform is expected to grow at an annual rate of 50.38% over the next few years (Simply Wall St).
Profitability: Increased user base and service expansion are expected to reduce operational costs and improve profitability (Simply Wall St).
​

1. Skincare Products and Revenue

Products and Services:
Premium Skin and Beauty Care Products: These products use the latest technology and high-quality ingredients and are recommended to customers through skin analysis devices.
Personalized Customer Service: Professional pharmacists provide personalized consultations and free skin analysis services to enhance customer satisfaction (GlobeNewswire) (MarketChameleon.com).
Revenue and Profitability Outlook:
Revenue Growth: Premium products and personalized services are expected to drive a 20-30% revenue growth in the first year.
Profitability: High-margin products and differentiated services are expected to result in high profitability (GlobeNewswire).
​

1. Telehealth and Wellness

Service Delivery:
Telehealth Services: Provided through the MaNaDr platform, allowing patients to receive remote consultations and prescriptions.
Health Management Programs: Programs focused on weight management and gender-specific health care help manage overall user health (Finviz) (Simply Wall St).
Revenue and Profitability Outlook:
Revenue Growth: Telehealth and wellness services are expected to grow at an annual rate of 30-40%.
Profitability: Efficient telehealth systems are expected to reduce costs and increase profitability (Simply Wall St).
​

1. Medical Device Sales

Sales Channels:
Online: Medical devices are sold through the MaNaDr app and website.
Offline: Direct sales through retail pharmacies (GlobeNewswire) (MarketChameleon.com).
Revenue and Profitability Outlook:
Revenue Growth: Medical device sales are expected to grow at an annual rate of 15-20% in the initial market entry phase.
Profitability: Expanding sales through online and offline channels is expected to increase profitability (Simply Wall St).
​

1. Medical/Health Education

Education Delivery:
Remote Education: Programs for doctors and healthcare professionals are provided remotely.
Offline Education: Direct education provided through retail pharmacies (Simply Wall St).
Revenue and Profitability Outlook:
Revenue Growth: Medical/health education services are expected to grow at an annual rate of 10-15% due to increasing demand.
Profitability: Enhanced diversity and quality of education programs are expected to improve profitability (Simply Wall St).
​

1. Retail and Online Pharmacy

ManaPharma Pharmacy:
Products: A wide range of prescription and over-the-counter medicines, as well as skincare products, are sold.
Services: Personalized consultation services and free skin analysis services are provided (GlobeNewswire) (MarketChameleon.com).
Revenue and Profitability Outlook:
Revenue Growth: Strategic location and high-end product lineup are expected to drive a 20-30% revenue growth in the first year.
Profitability: High-margin products and differentiated services are expected to result in high profitability (GlobeNewswire).
​
Comprehensive Revenue and Profitability Outlook
Each business segment has its unique growth drivers, and through technology development and service expansion, MNDR is expected to achieve strong revenue growth and profitability improvement over the next few years. The advancement of the MaNaDr platform and the successful operation of retail and online pharmacies will serve as major growth drivers.
​
App Satisfaction and Usage
The MaNaDr app boasts high user satisfaction and frequency, being recognized as one of the most popular healthcare apps in the Asia-Pacific region. While exact rankings and statistics are not disclosed, user reviews and ratings indicate high scores (Simply Wall St).
For more information, you can refer to the original sources: Simply Wall St, Stock Analysis, StreetInsider, and IPOScoop.

https://www.euromoney.com/article/b1320xkhl0443w/naked-shorting-the-curious-incident-of-the-shares-that-didnt-exist (2005)
Too ape, didn't read: Guy buys whole float and then some from his broker. Broker displays the amount of shares in his account (claimed delivery, but didn't enforce it so it was IOUs for all he knew). Didn't sell a share, but OTC still traded entire float and then some, kinda like Monday's activity.
https://youtu.be/Yq4jdShG_PU
Too ape, fuck YouTube ads: Founder of IBKR on 2021 sneeze. Can't recall if it is this vid or a later interview, but he claims that if shareholders asked for their shares, total collapse. Only guaranteed way to have your shares? Force DTC to cough up to ComputerShare (many ape years ago, many brokers were claiming they have the shares settled and on hand, but wouldn't give share into and made DRSing initially hell.)
And remember what Madoff said about his Ponzi scheme? Would have buckled and quickly exposed if only investigators had checked the tape for his claimed transactions.
Okay then, wat do? Buy then DRS when "settled", AND send in an SEC report (even if SEC won't do jack cuz they be jackin, can't claim ignorance in a lawsuit of "oh we never got any reports.")
https://www.sec.gov/tcr
What I did on Monday when the public feed reported more than 1x volume of public float.
Step 1 possible options: manipulation of security, general trading practices, specific market event.
For details: I've used the NYSE quoted history on Monday, but ChartExchange's off-exchange trading is also support.
Info: publicly available info
Step 2: complain about NYSE. Like what Madoff said ages ago, the tape needs to be focal point of suspicion.
Step 3: affected security is GME, product Class A common stock
Even if apes believe SEC won't do a damn thing, having sent in a report will not allow them to claim ignorance.

The global fresh food vending machines market is projected to witness substantial growth with a significant Compound Annual Growth Rate (CAGR) of around 12% during the forecast period to 2030. A primary driver for this growth is the escalating demand for vending machines worldwide. Moreover, the expanding utilization of vending machines in educational institutions, healthcare facilities, commercial complexes, and retail centers is anticipated to further fuel market growth throughout the forecast period. Additionally, the growing interest among manufacturers in introducing vending machines for fresh food items, driven by increasing consumer demand for fresh food products across diverse locations, is expected to contribute significantly to market expansion.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=28118
Market Trends:
Expansion of Healthy Eating Options: There's a noticeable trend towards offering healthier food choices in fresh food vending machines, driven by increasing consumer awareness of health and wellness. Vending machines are now stocked with a variety of fresh fruits, vegetables, salads, and other nutritious snacks to cater to health-conscious consumers seeking convenient on-the-go options.
Customization and Personalization: Vending machine operators are incorporating customization and personalization features to enhance user experience and meet diverse consumer preferences. Features like touchscreen interfaces, customizable menus, and personalized recommendations based on user preferences are becoming increasingly common, offering a more engaging and tailored vending experience.
Integration of Technology: The integration of advanced technologies such as IoT (Internet of Things), AI (Artificial Intelligence), and machine learning is revolutionizing the fresh food vending machine industry. These technologies enable real-time monitoring of inventory levels, predictive maintenance, remote diagnostics, and personalized marketing strategies, leading to improved operational efficiency and customer satisfaction.
Contactless and Cashless Payments: With the ongoing COVID-19 pandemic, there's a growing emphasis on contactless and cashless payment options in fresh food vending machines to minimize physical contact and enhance safety. Operators are integrating NFC (Near Field Communication), mobile payment apps, and QR code scanning capabilities to facilitate seamless and secure transactions for consumers.
Sustainability and Eco-Friendly Practices: Sustainability is becoming increasingly important in the fresh food vending machine industry, with operators prioritizing eco-friendly practices and packaging materials. Vending machines are being designed with energy-efficient features, and sustainable packaging options such as compostable containers and biodegradable utensils are being utilized to reduce environmental impact and appeal to environmentally conscious consumers.
Market Opportunities:
The fresh food vending machine market is ripe with opportunity. Busy consumers crave healthy, accessible options, and these machines provide that with fresh salads, fruits, and prepared meals. Expanding into new locations like airports, gyms, and even partnering with local farms for fresh produce can boost sales. By catering to specific diets and offering customization, these machines can attract a wider audience. Technological advancements like temperature control and touchscreens further enhance the user experience. With a focus on health, convenience, and variety, fresh food vending machines are poised for continued growth.
According to the recent report published by RC Market Analytics, the Global Fresh Food Vending Machines Market is expected to provide sustainable growth opportunities during the forecast period from 2024 to 2030. This latest industry research study analyzes the fresh food vending machines market by various product segments, applications, regions and countries while assessing regional performances of numerous leading market participants. The report offers a holistic view of the fresh food vending machines industry encompassing numerous stakeholders including raw material suppliers, providers, distributors, consumers and government agencies, among others. Furthermore, the report includes detailed quantitative and qualitative analysis of the global market considering market history, product development, regional dynamics, competitive landscape, and key success factors (KSFs) in the industry.
Browse the Full Report Discretion @ https://www.researchcorridor.com/fresh-food-vending-machines-market/
Geographically, the fresh food vending machines market report comprises dedicated sections centering on the regional market revenue and trends. The fresh food vending machines market has been segmented on the basis of geographic regions into North America, Europe, Asia Pacific, Latin America, and the Middle East & Africa. Fresh food vending machines market estimates have also been provided for the historical years 2020 to 2023 along with forecast for the period from 2024 - 2030.The report includes a deep-dive analysis of key countries including the U.S., Canada, the U.K., Germany, France, Italy, China, Japan, India, Australia, Mexico, Brazil and South Africa, among others. Thereby, the report identifies unique growth opportunities across the world based on trends occurring in various developed and developing economies.
The Fresh Food Vending Machines Market Segmentation:
By Product:

• Cold Food Products
• Hot Food Products

By Food Type:

• Fruits & Vegetables Vending Machine
• Meat Vending Machine
• Dairy products Vending machines
• Others

By End-Use:

• Schools/Colleges
• Hotels
• Quick Serving Restaurants
• Supermarkets
• Others

By Region:

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Prominent entities in the global fresh food vending machines market include N&W Global Vending S.p.A., HUMAN Healthy Vending LLC., Advantage Food & Beverage, Fresh Healthy Vending International Inc., and Biocom Vending. These companies are strategically navigating the market landscape through avenues such as expansion, fresh investments, service innovation, and collaborative ventures. Leveraging expansion and acquisition initiatives, players are actively venturing into new geographical territories to capitalize on joint synergies and gain a competitive edge.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=28118
Key Questions Answered by Fresh Food Vending Machines Market Report:

• Product popularity and adoption based on various country-level dynamics
• Regional presence and product development for leading market participants
• Market forecasts and trend analysis based on ongoing investments and economic growth in key countries
• Competitive landscape based on revenue, product offerings, years of presence, number of employees and market concentration, among others
• Various industry models such as SWOT analysis, Pestle Analysis, Porter’s Five Force model, Value Chain Analysis pertaining to Fresh Food Vending Machines market
• Analysis of the key factors driving and restraining the growth of the global, regional and country-level markets from 2020-2030

About Us:RC Market Analytics is a global market research firm. Our insightful analysis is focused on developed and emerging markets. We identify trends and forecast markets with a view to aid businesses identify market opportunities to optimize strategies. Our expert’s team of analysts’ provides enterprises with strategic insights. RC Market Analytics works to help enterprises grow through strategic insights and actionable solutions. Feel free to contact us for any report customization at sales@researchcorridor.com.
Media Contact:
Company Name: RC Market Analytics Pvt. Ltd. Contact Person: Vijendra Singh Email: sales@researchcorridor.com Visit us: https://www.researchcorridor.com/