Alien Timeline; an illustration showing the different type of “on record” alien sighting over the years
2025.01.24 01:30 steveHangar1 Alien Timeline; an illustration showing the different type of “on record” alien sighting over the years
 | submitted by steveHangar1 to UFOs [link] [comments] |
2025.01.24 01:30 HistoricalTomato9539 Germany to italy!
Trainhopping from germany to italy!
Any Tips want to hop from germany to italy!
submitted by HistoricalTomato9539 to TrainHoppingEU_RO [link] [comments]
2025.01.24 01:30 kayakero Advantages and disadvantages of investing in bonds
Definition of bonds Bonds are fixed-income instruments that represent a form of investment where investors lend money to an issuer, whether a government, company, or local government entity, in exchange for receiving periodic interest and repayment of the invested principal on a predetermined maturity date. These securities are essential in the financial market for several key reasons:
- Financing for issuers: Bonds provide an important source of financing for governments and businesses. Issuers use the funds raised through bond issuance to fund projects, operations, and other financial needs. This is crucial for the functioning and growth of the economy.
- Investment diversification: Bonds offer investors the opportunity to diversify their portfolios. By adding bonds to a portfolio that may include stocks or other assets, investors can balance risk and return, which is especially valuable during times of market volatility.
- Stability and security: Bonds are considered safer and more stable investments compared to stocks and other equity assets. This makes them an attractive option for those looking to preserve their capital and earn regular income.
- Reference for interest rates: Bond prices and interest rates are inversely related. When interest rates decrease, bond prices tend to rise, and vice versa. Therefore, bonds serve as an important reference for monetary policy and interest rate decisions in an economy.
- Liquidity and secondary market: Bonds are traded in the capital market, allowing investors to buy and sell bonds at any time before their maturity. This provides a source of liquidity and flexibility to investors who wish to adjust their portfolios according to changing market conditions.
These bonds, known as “Treasuries,” offer different maturities, such as 10-year and long-term bonds, and are often considered one of the safest investments in the world. Investors can also access corporate bonds issued by large companies looking to finance their operations or projects. In addition, there is a very active secondary market in the United States, allowing investors to sell or buy bonds with relative ease before their maturity, providing liquidity and adaptability to their portfolios.
Advantages of investing in bonds: When it comes to investing, knowing the advantages of investing in bonds is essential. Find out why they offer stability and regular income streams.
- Stable Income: One of the main advantages of bonds is that they provide stable, predictable income. When you buy bonds, the issuer promises to pay you interest at regular intervals, usually semi-annually or annually. These payments can be a reliable source of income, which is especially beneficial for investors looking for consistent income to fund daily expenses, retirement, or other short-term financial goals.
- Capital Preservation: Bonds, particularly those issued by strong governments or companies with excellent credit reputations, are considered safe investments. This means that you have a high probability of recovering your initial investment when the bond reaches its maturity date. Capital preservation is essential for those investors who want to minimize risk and protect their assets.
- Portfolio diversification: Bonds offer an effective opportunity to diversify your investment portfolio. If your portfolio is primarily comprised of stocks or other equity assets, bonds can act as an important counterbalance. In times of stock market volatility, bonds tend to hold their value more stably, which can help smooth out overall fluctuations in your portfolio and reduce overall risk.
- Tax Advantages: In some situations, bonds may offer tax advantages. For example, the interest on certain municipal bonds may be exempt from federal and state taxes, which can increase your after-tax yield. This makes bonds attractive to investors looking for tax efficiency and the ability to keep more of their earnings.
Another significant advantage is the liquidity of the Treasury bond market. This is the largest and most liquid government securities market in the world, allowing investors to buy and sell bonds with ease, without significantly affecting their price. As for yields, for example, 10-year bonds in 2024 offer a yield of around 3.79%, which remains attractive for those looking for a stable long-term investment.
Additionally, US Treasury bonds offer tax benefits, as the interest earned is exempt from state and local taxes, which is particularly advantageous for investors living in states with high income taxes.
Disadvantages of investing in bonds : In the world of investing, the disadvantages of investing in bonds also play a crucial role. We will explore the challenges and risks that investors should carefully consider.
- Lower returns: One of the most notable disadvantages of bonds is that they generally offer lower returns compared to other, higher-risk investments, such as stocks. While they provide stability, you could miss out on higher profit opportunities that you could earn in the stock market. This difference in returns can be especially significant over the long term.
- Vulnerability to inflation: Bonds can be vulnerable to inflation. Because interest payments are fixed at the time of issuance and not adjusted for inflation, the purchasing power of those payments can decrease over time as prices rise. This means that in real terms, the value of your investment could decline over time, which is known as inflation risk.
- Interest Rate Risk: Bonds are subject to interest rate risk. If interest rates rise after you have purchased a fixed-rate bond, the price of the bond in the secondary market may decline. This could result in losses if you decide to sell the bond before maturity. Long-term bonds are especially sensitive to changes in interest rates.
- Lack of liquidity: Some bonds, such as long-term treasury bills and less liquid corporate bonds, can be difficult to sell before their maturity date. This can limit your flexibility to access your money in case of urgent need or if you want to adjust your portfolio quickly in response to changes in market conditions.
Inflation risk is another significant disadvantage. Since bond payments are fixed, inflation can erode the purchasing power of these payments over time, reducing the real value of the investment. This is particularly relevant during times of high inflation, when rising prices outstrip the interest received, negatively affecting the bonds’ real yield.
Additionally, bonds are subject to interest rate risk, meaning that when interest rates rise, the value of previously issued bonds declines in the secondary market. If an investor needs to sell a bond before maturity, they could suffer a capital loss due to this effect. In 2022, for example, long-term Treasury bonds lost value when interest rates rose rapidly to combat inflation.
Finally, while Treasury bonds are highly liquid, other types of bonds, such as corporate or municipal bonds, can have liquidity issues, making it difficult to sell them before maturity without incurring significant losses.
Alternatives to bond investing: the stock market The stock market, also known as the equity market , offers a significant alternative to bond investing. Below, we'll explore some of the key differences between investing in bonds and participating in the stock market:
- Higher return potential: Unlike bonds, which typically offer lower, fixed returns, the stock market offers greater profit potential. Company shares can appreciate significantly over time, allowing investors to make considerable profits.
- Higher risk of volatility: Although the stock market can provide higher returns, it is also more volatile and subject to daily fluctuations. Stock investors may experience substantial losses during periods of market decline.
- Diversification: As with bonds, it is important to diversify your portfolio in the stock market. Buying a variety of stocks from different sectors and geographic regions can help reduce the risk of significant losses.
- Time horizon: Your time horizon and financial goals play a crucial role in choosing between bonds and stocks. Bonds may be suitable for short-term goals or for investors seeking stability and capital preservation, while stocks are typically better suited for long-term goals, such as retirement.
- Dividend-based yield: Some stocks pay dividends to investors, which can provide regular income similar to bond interest payments. However, stock dividends can vary and are not guaranteed, unlike bond interest payments.
- Combining strategies: Many investors choose to combine bond and stock investment strategies to take advantage of both the stability of bonds and the growth potential of stocks. This combination can help balance risk and reward in a portfolio.
- REITs (Real Estate Investment Trusts): REITs are a way to invest in real estate without needing to physically own properties. These investments allow investors to earn income through rents generated by commercial, residential, or industrial properties. Additionally, REITs have the benefit of being required to distribute at least 90% of their income to investors in the form of dividends, which can offer a higher return than bonds, especially during periods of inflation.
- Preferred stock: Preferred stock combines features of bonds and common stock. It offers regular dividend payments and takes priority over common stock in the event of a company's liquidation. Although it does not provide voting rights, preferred stock tends to be safer than common stock and provides a higher potential return than traditional bonds.
- High-yield savings accounts: While savings accounts typically don’t outperform inflation, some high-yield options offer competitive interest rates, between 4% and 5%, making them a safe and liquid alternative for parking funds in the short term. These accounts can be useful for maintaining an emergency fund while earning a reasonable return.
- Real estate debt investment funds: Investing in real estate debt, as platforms such as Groundfloor do, allows investors to finance short-term real estate projects and earn attractive returns, averaging approximately 10.5% per year. Although they carry more risk than traditional bonds, these types of investments can be a lucrative alternative in times of inflation (
- Fixed Annuities: Fixed annuities guarantee regular payments to investors, making them an attractive option for those seeking stable income, especially in retirement. Although they have higher fees than bonds and some financial products, they offer security and a steady source of income.
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2025.01.24 01:30 RX3RD What if Takumi rode the AE86 instead of driving the AE86
 | submitted by RX3RD to initiald [link] [comments] |
2025.01.24 01:30 Ericakat Where a woman go in Dallas to make female friends?
I have a group of friends who live far away, who I don’t see very often and I’m looking to expand my social circle. Does anyone know of any safe places in North Dallas, or nearby where I can go to make friends? My interests are dogs, animals, nature, reading, writing, and carnivorous plants.
A little about me: I work in the public school system, though I’m not a teacher. When I’m not writing the books I plan to one day publish, I’m usually either hanging out with my dog, or making jewelry. I love to be out in nature and I’m passionate about animal rescue. I promise I won’t get onto you if your dog didn’t come from one though.
I also love reading paranormal romance books. Currently, I’m reading The Lochguard Dragon series. I’m also making my way through The Stonefire Dragon Series. Both are extremely good and I recommend reading them.
Thank you so much for reading this if you’ve gotten through the whole post, and thank you for any answers.
submitted by Ericakat to Dallas [link] [comments]
2025.01.24 01:30 jabbathehuut It’s been frigid temperatures here so I got him Walkee Paws. They arrived in the mail today. Now I just have to get him used to wearing them.
 | submitted by jabbathehuut to Bulldogs [link] [comments] |
2025.01.24 01:30 Witty_Pen_6734 Kia K5
so i hit a curb in my Kia k5 and this part came from under the hood what should I do #kia #K5 #imjustagirl #oops #butdidyoudietho
submitted by Witty_Pen_6734 to KiaK5 [link] [comments]
2025.01.24 01:30 Forsaken_Medicine_18 Hannah Kenerly 😈
 | submitted by Forsaken_Medicine_18 to 21stCenturyBabes [link] [comments] |
2025.01.24 01:30 USA_bathroom2319 CSX RCO
I’m thinking about learning to run the box. I have a couple questions. Is there any overtime on yard assignments? How long is the training class? How many starts do you need as an RCO trainee? Is it better then switching with an engineer? I heard you can be forced to cover a RCO vacancy regardless of your current assignment/terminal. Is that accurate? Thanks
submitted by USA_bathroom2319 to Train_Service [link] [comments]
2025.01.24 01:30 Financial-Cicada625 Fake nurses kidnap newborn baby boy from hospital in Andhra. Luckily the baby was safely recovered and kidnappers were held
submitted by Financial-Cicada625 to IndianMaleAdvocates [link] [comments]
2025.01.24 01:30 Distinct-Sand-8891 What does romantic attraction actually mean?
This is for those of you that are ace but not aro. I’m pretty sure I’m aroace but tbh I don’t even understand what it means to be “romantically” attracted to others. I have crushes tho which makes it kinda confusing. I generally dislike people but I also really appreciate certain people’s presence. But that’s about it. I don’t want anything more, just want to have a platonic friendly relationship with them. I don’t wanna constantly talk to them, be around them all the time, or date them without the sex.
submitted by Distinct-Sand-8891 to asexuality [link] [comments]
2025.01.24 01:30 RGiaS H: Esme Set, W: Legacy Misc
Navigation Capacitor or Memory transistor would be rad.
submitted by RGiaS to Market76 [link] [comments]
2025.01.24 01:30 Fortnit3Gamer69 $50 Cobblemon Cup! Join Discord to Register! https://discord.gg/wXdS2e8tha
 | submitted by Fortnit3Gamer69 to cobblemon [link] [comments] |
2025.01.24 01:30 Guardian7of Biceps tenso ao treinar
Oi pessoal, estava parado tem um tempo e voltei tem umas 3 semanas para a academia. Da última vez que fiz, fiz uns 2 meses e quando estava mais avançado, percebi que meu biceps ficava bem duro e tenso ao treinar ele, parecido com o que acontecia com meu antebraço.
Só que meu antebraço eu tinha uma tensão muscular nele, por fazer judô e mexer no computador, e o antebraço doía ao usar e tals. Agora que estou voltando essa tensão está voltando, o biceps fica bem grande e rígido quando estou perto da falha, chego em casa e ele ainda fica assim por um tempo.
Estou pegando 8/9 kg na rosca direta e faço barra H com uns 6/7, então não acredito que seja algo muito pesado além dos meus limites, porque consigo fazer uma execução muito boa.
Seria um problema? É comum essa sensação? Tem alguma dica pra isso caso seja problema? Até agora não tive nada que me prejudique, mas sei lá.
submitted by Guardian7of to Maromba [link] [comments]
2025.01.24 01:30 Aggravating_Peach_70 Peep my indoor CD setup and also the uncomfortable fact that AM makes their CD cases taller than everybody else’s
these are the CDs i like to keep inside while the rest are my car CDs that are fun to drive with :3
submitted by Aggravating_Peach_70 to arcticmonkeys [link] [comments]
2025.01.24 01:30 Calm_Environment5485 Petition to ban all politics from reddit
Hi, i am sure you have noticed that reddit has become virtually unusable these days and not even the frontpage, every subreddit is now plagued with words like trump, elon musk, nazi, tariffs etc.. I suggest that instead of banning twitter, we ban these words from being posted ever again on the site (i would myself love to /ignore these words in the real world if it was possible, but our technology is not advanced enough for this). That is all, thank you for listening to my ted talk.
submitted by Calm_Environment5485 to self [link] [comments]
2025.01.24 01:30 chococheese419 Which super sense would you choose?
A genie offers you 6 potions, and you can only choose 1. Each of them are related to one of the 6 basic senses.
—
Sight Potion | Infinite zoom capability on any object within 400km of your line of sight. You can zoom in on anything either gradually or at the exact magnitude you want.
Sound Potion | You can hear anything, even a mouse fart, from up to 20km away, including hearing through walls.
Smell Potion | You can smell emotions/feelings, including your own and on other humans and animals, and even plants, fungi, and protists.
Taste Potion | You can taste the exact recipe of anything you put in your mouth. So both the ingredients and the exact quantities. You will just know what the ingredients are called in your language.
Touch Potion | You can read the history of any object you touch, almost as if you're reading Braille. Just by rubbing your hand over 3cm of it's surface (or all of it if it's smaller than that) you can know its past.
Proprioception Potion | Not only can you tell where any part of your body is, even amputated parts (nothing less than 1mm thick), you can sense where 5 other people of your choice are at any time. They must be people you have touched at some point in your life.
—
All of the powers are controlled with your mind and won't have unintentional mistakes in controlling them. You can decide to turn on and off the ability whenever you like, and you can focus them or make them less intense as you like.
Which potion do you drink?
submitted by chococheese419 to hypotheticalsituation [link] [comments]
2025.01.24 01:30 incorrigible_ricer Scale Trains Rivet Counter vs Atlas GPs
Hi all, new to the scale and returning to modeling and trains after a very long intermission. This is probably longer than it needs to be but I wanted to get all the background out there.
I'm starting small with just a basic inglenook on a shelf before attempting a 2x4. I had some HO as a kid/teen but focused more on 1/48 aircraft (I live in a condo now so HO is a non starter). I was pretty good with those and made some nice weathered ones before college. Based on that, I see myself more interested in the modeling and weathering than the running of these trains.
The long term goal is to build an Appalachian coal mine layout set in the 80s-90s to honor my pap. With that in mind I was debating what locomotive to start out with on the inglenook. I was thinking a GP would be small enough to shunt with and could probably do double duty on the future 2x4. I want something that looks like a proper model (vs a toy) so my wife doesn't think I'm just buying junk. I'll probably eventually weather this loco after practicing on some rolling stock.
I was leaning towards the Atlas GP7s but I see there's a Rivet Counter GP30 series coming out soon. Should I spring for those? Both options aren't particularly cheap but is the Rivet Counter stuff that much nicer? Should I just buy a Bachmann since I'm a noob and will probably break it?
submitted by incorrigible_ricer to nscalemodeltrains [link] [comments]
2025.01.24 01:30 vaultofechoes The Traitors (USA) S03E05 "All This Murderous Power" Discussion Thread
All This Murderous Power Synopsis: With their trust shaken, the Traitors must decide how to move forward; a dangerous move threatens to backfire, and the coffin theory surfaces once more; at the round table, the limits of an alliance within the Faithful are tested.
Airing: January 23 at 9:00pm EST on Peacock
NOTE: IF YOU ARE SKIPPING AHEAD TO VIEW KEY RESULTS FROM THE EPISODE, YOU MUST SPOILER THIS DISCUSSION IN THE FIRST 2 HOURS OF THIS THEAD BEING UP. OFFENDERS WILL BE PENALISED ACCORDINGLY.
When discussing the episode, please adhere to our Spoiler Policy.
You can find the hub for all episode discussion threads here.
The main discussion hub for The Traitors USA Season 3 is here.
submitted by vaultofechoes to TheTraitors [link] [comments]
2025.01.24 01:30 Both_Lingonberry2642 Eu quero
Eu cortei um dos meus pulsos mas não seu se isso vai me matar, eu quero cortar mais porque é isso oque faz me sentir vivo. Eu quero dinheiro eu quero um amor eu quero remédio pra me fazer feliz, eu quero ser feliz é alegre mesmo que isso custe minha personalidade. Eu quero conversar com alguém semelhante... com a mesma cabeça. Eu nem sei se esse post inflege a regra 3 dessa comunidade, se infligir pode me banir, já fui banido de vários por falar coisas que aconteceram quando eu era criança.
submitted by Both_Lingonberry2642 to AnsiedadeDepressao [link] [comments]
2025.01.24 01:30 Famous-Job-4264 Episode Request
give me a random episode involving a judge i feel in the mood to see a bad judge go down
submitted by Famous-Job-4264 to SVU [link] [comments]
2025.01.24 01:30 AutoModerator Chat: Hobbies, life, and small joys. 🤍
Hello everyone!
This thread is a space for us to come together and chat about life beyond our TTC journeys and parenthood, however it may look —whether that’s discussing the hobbies we enjoy, the books we're reading, or anything else that brings us a little comfort. This is a judgment-free zone where we can share, support, and find joy in the small things. Feel free to share what’s been keeping you busy, or just pop in to say hello. We're all here for each other.
🎧🕯️☕️
submitted by AutoModerator to ttcafterstillbirth [link] [comments]
2025.01.24 01:30 joeisnotsure Pre Colonial Filipino Food? Malaysia and the Philippines (Crossing Borders Episode 2)
 | submitted by joeisnotsure to malaysia [link] [comments] |
2025.01.24 01:30 Normal-Ad-7471 are these good fakes or no?
 | Just based off looks if y’all could point out the flaws i would appreciate it submitted by Normal-Ad-7471 to yeezy [link] [comments] |
2025.01.24 01:30 NecessaryScientist18 was this worth 510
 | just curious if you think it will come down in price submitted by NecessaryScientist18 to pokemoncardcollectors [link] [comments] |