TULSI WEALTH (unit of Tulsi Securities) has a strong team of professionals who are highly passionate and committed. Tulsi Securities, powered by Motilal Oswal has enabling ecosystem, very strong value systems, robust products & processes & to create wealth for their customers. Tulsi Securities has extremely strong commitment to enable wealth creation for all their customers by ensuring personalized services & delivering world class service to their customers. Tulsi Securities specializes in providing best services to their customers in direct equities, futures & options, depository services, currency, commodities, mutual funds, PMS & many other investment products.
In the era of constant changing and volatile Financial Market, Investors need a Qualified, Trained and Unbiased Professional to assist them in achieving their Short Term and Long-Term Investment goals.
At TULSI WEALTH (unit of Tulsi Securities), our single utmost aim is to assist clients with dedication and integrity so that we exceed their expectations and build enduring relationships. We take the opportunity to introduce ourselves as a bunch of committed professionals with a single vision and mission statement "To serve our customers with integrity and honesty, always putting” Investor's Interest First".
With an experience of 27 years in Financial Service sector, we offer technology-based services for our clients to effectively monitor their portfolio and help them reach their financial goals. We focus at being the most reliable, prompt and efficient provider of financial and insurance services.
We Endeavor to be one-stop Financial Supermarket and of immense help to our investors regarding Tax Solution, Retirement Planning, Wealth Creation and Insurance Management.
Mr. Rakesh Agrawal always had a desire to not just maintain the status quo but to get bigger and better & therefore he associated with Motilal Oswal group in the year Sep-15. His passion & execution powered by MOSL's Vision, Solid Research & Solid Advice has helped him not only create wealth for his clients but create a solid base of extremely satisfied clients.
Kindly Click Bellow The Link To Get More Information About Stock Market And Investment Policy As Well : https://tulsiwealth.com/about.php

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[M]/Doing retro coz reddit has apparently locked my account before 2024 expired, and I just realised this hasn't been published /[M]

Canadian Federal Elections 101

Canada has inherited its political system from the United Kingdom, sticking to Westminster parliamentary system ever since. This means, that unlike in the United States, the outcome of Canadian elections are won by whichever party manages to elect the greatest number on Member of Parliament to the House of Commons of Canada, allowing the leader of this party to assume the office of Prime Minister.

The Senate of Canada provides for a stark contrast, since despite being originally designed to ensure provincial representation, the upper house remains unelected and is largely subjected to the politics in the House of Commons.

When no party is able to secure more than 50 per cent of seats in the House, a leader of a political party that is able to command more than 50 per cent of MPs, for example through singing supply and confidence or coalition agreements with other parties, becomes Prime Minister instead. Historically, however, the largest party in the House of Commons tends to form a monitory government, when it commands a plurality of MPs, rather than an outright majority. This allows the largest party to remain in power, but it has to rely on MPs from other political factions to pass crucial pieces of legislation, especially when it comes to votes that indicate parliamentary confidence, such as federal budgets. Losing those votes, would effectively mean that the current government has to either be completely re-staffed with new Cabinet Ministers, or call a snap election.
However, minority governments remained fairly uncommon in Canada, since the current voting system, called First-Past-the-Post (FPTP), allows for individual MPs to win their respective ridings - also known as constituencies - to be elected into the House of Commons with a simple plurality of votes. Thus, a political party can win most seats in the House of Commons through strategically placing their bets on ridings with very tight margins, where just one extra vote may allow their nominee to win a permanently seat, effectively making all votes for the opposition candidate in that riding meaningless.

General Backgrounder

For example, the Liberal Party of Canada has won the last two federal elections with a plurality of seats in the House of Commons, despite coming only 2nd to the Conservative Party of Canada during popular vote. The Liberals, despite becoming the largest party in the House still fell short of winning the majority of seats, being forced to rely on the New Democratic Party, that represented are more progressive social democratic part of the electorate, for crucial votes. Later, the Government has called a snap election aiming to get their desired majority, but failed, and had to sign a formal Supply and Confidence Agreement with the NDP, that included a massive package of social programmes, such as the recently implemented national dental care and prescription drug insurance.
However, while enjoying a steady lead in polls vis-a-vis, the federal Conservatives during the pandemic, the Liberals had experienced persistent slump as post-pandemic recovered coupled with sticky inflation and rapidly deteriorating housing crisis. As the Federal Conservatives have moved to the right following the election of a new leader, they have utilised concurrent economic challenges and liberal economic policy, blaming the current government's pandemic related emergency spending coupled with expansion of social programs as the root cause for inflation into collapsing housing affordability.
As Canada had to respond to America's Inflation Reduction Act with a new public investment into green transition, conservative criticism of the Trudeau government has become ever more vocal, with fiscal deficits presumably exacerbating, concurrent inflationary pressures.
Liberal policies, especially introducing the federal backstop mechanism for carbon pricing, has also spurred, vicious opposition, among Conservatives, especially those living in the Western Canada, that culminated in the razor-thin re-election of the United Conservatives in the oil-producing province of Alberta. The federal response to the freedom, convoy protest, as well as the general push, forever wider collective community during the pandemic, has created some fertile soil for the opposition, Conservatives to capitalise on, especially as the more moderate leader of the party had been ousted shortly after the convoy protest.
After more than eight years in government, the liberal party has also been embroiled in several corruption and ethics candles, including the SNC-Lavallin affair, the pandemic-era ArriveCan App scandal, and, most recently, the accusations of Chinese electoral interference, and Chinese police stations operating in Canada.
In fact, the situation for the current government has become so dire. It's a point, but more than 80% of forecasters projected a Conservative minority government has the most probable outcome for the next election. According to some polls, the Liberals would be unable to form a government, even with the support of the New Democratic Party. The liberal convention in late spring 2023, didn't provide much of a relief either, how's the party continued to lack a comprehensive platform to combat the issue of housing and affordability - something that steadily climbed the rate of priorities for many Canadians, to become the most pressing issue, when deciding who to vote for. If anything, the Conservative party has become the most popular political force, among younger Canadians, with their laser, sharp focus on the issue of inflation and housing affordability.
The issue of housing affordability has become central to the Conservative Convention, where the Party has committed to "restoring" home ownership across the country, through planning laws deregulation and "removing resections on the supply of housing". This would see the federal government to tie federal spending on housing to municipalities shortening approval times, waive HST/GST for housing, as well as allow landlords to re-invest their profits into new housing tax-free. The Conservative convention also proposed federal infrastructure funding to be linked to higher-density housing construction.
What did, however, play in favour of the current government, what is the time. Within Canadian Parliamentary system, the Prime Minister can call an election effectively anytime, so long their term doesn't exceed the four year threshold, that was approaching at Fall 2025, supported by the Supply and Confidence Agreement with New Democrats.
As inflation in North America has started slowly subsiding toreturn to the 2% target in early fall 2024, Trudeau has managed to re-gain some the economic credibility his government has seemingly lost. The Liberals have also continued their tilt to make some inroads into the NDP camp, with the Federal Budget 2024 going heavily on Net Zero and Green Transition.
However, the Liberals also had to deal with a political deadline, whether to call and election before or after the Budget 2025 would've been published. The former might allow the LPC to avoid the criticism of "buying up votes" that the party received after calling the snap election shortly after introducing their Federal Budget in 2021. However, Trudeau also had a stake at deferring the election for long as possible, hoping that waiving inflationary pressure might open up more space for the Liberals to re-gain the economic ground over the Conservatives.

Federal Election 2025

After long deliberation, the federal Cabinet has opened to hold an election in late March 2025, right at the time when a government would have normally tabled their budget. The election that both the Liberals and the Conservatives have approached after almost a year or neck-and-neck perforce in the polls, with Trudeau having a minuscule advantage in personal ratings.
The economy, especially housing affordability, have become two main issues during this election, closely followed by healthcare - namely access to family physicians and waiting times for selected procedures - and the issue of inflation still lingering at the back of the public debate.
Trudeau himself because a matter for the debate, with the Liberals banking on his personal likability, while Federal Conservatives continuously pressed with corruption and ethical scandals and corruption allegations, combined with the Liberal campaign continuously bringing up the "electability issue" of their opponents.

Housing

With the Tories enjoying slight lead on the matter of economic competence, the Liberals opted to treat the housing crisis as a matter of social policy, while banking heavily on personal popularity of Trudeau himself. From the policy-standpoint, LPC Election Platform has effectively copied the proposal originally voiced during the Conservative Convention. Namely, waiving GST/HST for housing construction, allowing landlords to re-invest their profits into constructing more units tax-free, as well as linking federal spending to new housing development and liberalising permitting process. The difference with the Conservatives was the focusing on new federal spending to combat housing affordability.
Liberal election promises involved the commitment for new federal housing construction to exceed population growth by the end of the first term, through the government directly contracting private developers to build more affordable housing, and task the Canada Infrastructure Development Corporation to provide funding to non-market housing in numbers meeting or exceeding population growth in larger metropolitan areas on Toronto, Vancouver, Calgary, Montreal, and across Atlantic Canada.
Unlike the Tories, Trudeau also went further, promising the government would cover development charges for projects that included affordable housing. The Liberals have also committed to conducting of affordable rental housing, aimed at younger Canadians and those who are yet to start cloning the property ladder. Conservatives on the other hand emphasised Trudeau's poor track on housing affordability, combined focusing on making home ownership more affable through market-driven construction of new units for sale.
Both Team Blue and Team Red have committed to expediting the arrival of new skilled trades professionals, especially those working in the housing sector, including interest-free loans to have their qualifications recognised or to up-skill their existing credentials. Liberals however, took a step further, promising automatic Permanent Residency who has worked in residential construction after 1 year, as well issuing Open Work Permits - exempt from the Labour Market Impact Assessment - to anyone with construction work experience willing to come to Canada, so long they continue working in the construction sector for the majority of their time before obtaining permanent residency. The Tories on their part suggested granting PR automatically after they've worked in construction for at least 5 years.
On the matter of banning foreign buyers, both parties have committed to banning home purchases in Canada for those who do not hold Canadian citizenship or are not Permanent Residents of Canada, with Liberals maintaining existing exemptions, so long the person buying has invested an equivalent amount in affordable housing construction.
Rhetorically, the Liberals have echoed the National Housing Act 1938, suggesting their government would run fiscal deficits to finance nation-wide home construction, especially affordable rental units. CPC has openly accused Trudeau of "policy stealing" choosing to emphasis permitting deregulation, subsidies for new units, and investing more construction professionals.

Healthcare & Social Care

Federal Conservatives have focused their attack in increasing waiting times, as well as increasing shortage of medical professionals across the country. Liberals, however, aimed to conservative proposals to introduce more private providers into the system, while emphasising their expansion of public health insurance that now covers both dental care and prescription drugs. Both parties suggested increasing the immigration intake for doctors, nurses, medical researches, providing financial support to have their credentials recognised in Canada as well as to update their skills.
The Liberals have however suggested lowering tuition rates international students who come to study health, social care, and eduction, granted them access to domestic rates of tuition, as well as a designated pathway to Permanent Residency for health, eduction, and social care who have obtained at least 1560 hours of Canadian work experience, and received at least part of their eduction in Canada. This would come as a supplementary measure, with domestic students becoming eligible for federal student loan write off if they have accumulated at least 1 year of post-graduation work experience in health, social care, or education - so long their degree is in the same field.
The Liberals have also committed to covering a Royal Commission to introduce a national social care insurance programme for seniors and people with disabilities.

The Economy

The Conservatives suggest introducing "full expensing" allowing companies to deduct up 120 per cent of their expenses on machinery, equipment, and non-residential property, akin to UK's Super Deduction, to combat Canada's low investment levels. They also propose to introduce tax credits for Canadian companies to up-skill their workers, as well as increased federal funding to provinces to support job training and second career programmes and labour market integration.
The Liberals suggest increasing the minimum wage in federally-regulated institutions, linking as a proportion of executive pay. LPC also pledged to introduce at least 4 weeks of paid vacation after 1 year on employment, with additional increases in line with employee tenure, as outlined in their Convention 2023, while brining paid leave of up to 6 weeks a year, allowing recipients to tradition onto disability payments after that.
Both parties have committed to supporting Employee Ownership Trusts, as well as introduction of worker representation on corporate boards in federally-regulated industries. Team Red however to it a step further, suggesting they will employee ownership mandatory for large corporations , with the only exemption provided for profit-sharing schemes.
Both parties have also supported reforming Canada's Employment Insurance Program:
The Conservatives suggest introducing Individual EI Savings Accounts that any Canadian can access whenever they are let go of their job or decide to quit. The proposed accounts would be funded through mandatory employer and employee contributions and could also be used to pay for labour training and re-skilling, with means-tested federal assistance available for those who's exhausted their accounts. Tories also suggest expanding current marginal earnings projection to apply to both individual and household income. The party also suggests waiving EI Premiums and provide rebates for C/QPP Contribution rebates to those not paying federal income tax, to guarantee every Canadian can earn at least $1000 a month free of payroll deductions.
Trudeau on the other hand suggested making EI coverage universal, and providing up to 90 per cent wage replacement in the first month of claim, while also introducing EI Benefit Floor, where every Canadian would be entitled to a minimum benefit equal to federal minimum wage regardless of their original earnings, for as long as they have enough insurable hours. The Liberal plan also introduces expands "working while on claim" provision, allowing people collecting EI benefits to have their wages supplemented through the program so their total paycheque reaches at least 90 per cent of their average 5-year earnings at all times, regardless whether the claimant is eligible for EI Regular Benefits. EI Parental Benefits are set to be fixed at at least 60 per cent of the family's income, subject o the benefit floor. Liberals suggest paying for the programme through waiving maximum insurable earnings to levy EI Premiums on all income of an individual, while introducing cap on benefits linked to median regional wages. However, the basic exemption shall be aligned to the federal income tax minimum threshold. Surpluses generated should be used to pay for expanded WWoC provisions and putting EI Operating Account back into surplus.
Both parties also committed to brining in a Canada Savers' Creditthat mirrors both the amounts and eligibly criteria of the GST/HST tax credit, but is instead deposited in people's Tax Free Savings Accounts (TFSAs) and automatically invested into corporate equity. Tories and Liberals also support introducing automatic enrolment for Registered Retirement Savings Plans (RRSPs), Registered Eduction Savings Plans (RESPs), Registered Disability Savings Plans (RDSP), First Homebuyer Savings Accounts (FHSAs) and TFSAs upon either birth of obtaining Canadian tax residency for eligible non-Canadians. While the Conservative proposal would new accounts automatically linked to existing financial institutions the individual already has an account in, the Liberals instant new accounts should be automatically assigned to a new independent crown corporation, so long the primary account holder haven't decided to the move their registered accounts to an eligible financial institution.
Both parties pitch the policy as a potential interim solution to address Canada's sky-high household debt, through increased asset ownership and participation in stock markets.
When it comes to fiscal policy, the Liberal Government suggests they'll keep their "structural deficit" - as defined by tax revenues versus programme expedites - bellow the rate of economic growth over the 10 year period. LPC however is open they'll not restrain their spending on new housing construction, Ottawa set to absorb almost all the costs of housing under the liberal plan. The Conservatives on the other hand suggest introducing the $1 for $1 rule for federal expenditure, where every dollar of new spending has to be offset by a dollar in spending cuts or increased taxes, suggesting to balance the budget in their first 5 years in the office.
Somewhat comically, the Liberals seem to be attacking Conservative proposals on the grounds it may bring back the pain on the nighties - referring to the Chretien austerity era - especially in Atlantic Canada and the Regions of Quebec where benefit dependency ratios have traditionally been elevated.
The Liberals have also committed to expand existing childcare agreements, to make childcare services and spare available to anyone, and drastically reduce wait times for subsidised spots.

Energy & Environment

The issue has surprisingly played a somewhat muted role during this election, as CPC has contained to opposed federal price on carbon, pressuring the idea of turning Canada into a "natural resource superpower". Liberals on the other hand boasted about their massive investment into Net Zero Transition, while also attacking the Tories one potential fiscal penalties that the government would assume after cancelling the carbon tax. Team Red had also opened to cling to previous commitments of the Conserve Leader to ban overseas oil, which Ontario, and Quebec, as well as Atlantic Canada remain fairly dependent on, due to lack of oil transportation infrastructure from western oil production facilities. Considering the fact Quebec has remained one of Liberal strongholds even at the lowest, as well as the party's perceived electability in the province, CPC would've had even harder to fight for the votes in Quebec.

Tipping the Scales

However, what truly decided this election, was something that may in the future divide the country even more, namely the issue of the French language. Something that has been present in Canadian politics for generations, but something that this time brought a party over the finish line, while completely tanking their opponents.
While both leaders fluent in French, having French Canadian roots, combined with an almost unchallenged dominance of the local Bloc Québécois, it seemed quite unlikely either party would be able to gain any meaningful advantage in Quebec, until both parties have revealed their election manifestos.
Here was the moment the Liberals played their cards best. Namely, the party has committed to supplying French language both within and outside Quebec, through drastically bolstering access to Francophone eduction across the country. The Liberals has committed to introducing a brand-new federal agency tasked with facilitating access to French eduction and integration services - Francisation Canada.
The agency was set to provide free-at-use eduction in French, while also providing up to $1000 a month in finical assistance to immigrants who were willing to learn French. On top of that, the Liberals have committed to make existing Explore and Odyssey Programmes more universal, integrating them into school curriculums across the country. The Party has also committed to negotiating bilateral agreements with all provinces to provide additional funding and guarantee access to services, including eduction in French across Canada, while making French a mandatory subject for Early Learning & Childcare, as well as in secondary education. LPC would also waive tuition fees for post-secondary eduction in French, and negotiate agreements with other francophone countries, to facilitate French-speaking immigration into Canada and Quebec.

Conclusion

Thus, on the night of the election, the sudden realisation waived through the country. The Liberal Party managed to protect their urban ridings, even in West, as their pledge to "spend whether it takes to make houses and rents affordable for everyone" managed to persuade swing urban voters across the country, combined with their massive investment in green transition. The Tories has also lost their lead in Atlantic Canada, where an idea of a massive EI expansion has resonated with voters much more than the concept of individual accounts. Massive subsidies in battery production have also helped the Liberals to protect their seats across Ontario, especially in former industrial towns. However, what actually brought Trudeau over the finish line, was Quebec. The Combination of absolutely massive investments into green tech, coupled with new social programs, and proposed childcare expansion, on top of the Liberal pledge to "protect and promote the French language from Coast to Coast to Coast" allowed the party to make some significant inroads across the province, despite loosing some suburban ridings, Central Canada gave Trudeau yet another chance to form yet another minority Liberal government.

Party Name	Popular Vote	Number of Seats
Liberal Party of Canada (LPC_	33.8%	158
Conservative Party of Canada (CPC)	35.8%	140
New Democratic Party (NDP)	19%	20

Bloc Québécois (BQ)6.2%21 People's Party of Canada1,5%0
​

Acknowledgements

• https://energynow.ca/2022/04/energy-east-will-not-live-again-heres-why-jean-francois-thibault/
• https://2023.liberal.ca/policy/
• https://macleans.ca/politics/ottawa/erin-otoole-socialist-crusade
• https://www.cbc.ca/news/politics/grenier-election-results-1.5330105
• https://tnc.news/2022/03/25/pierre-poilievre-proposes-ban-on-foreign-oil-within-five-years/
• https://nationalpost.com/news/why-does-pierre-poilievre-appeal-to-young-canadians-its-all-about-economics-2
• https://www.theglobeandmail.com/politics/article-conservatives-more-trusted-than-liberals-to-manage-federal-finances/
• https://centre.irpp.org/research-studies/amending-the-official-languages-act-a-new-vision-of-bilingualism/
• https://energynow.ca/2022/04/energy-east-will-not-live-again-heres-why-jean-francois-thibault/
• https://tnc.news/2022/06/22/poilievre-pay-as-you-go/
• https://www.ctvnews.ca/politics/where-the-six-conservative-leadership-candidates-stand-on-key-policy-issues-1.5888530
• https://newsinteractives.cbc.ca/elections/federal/2021/party-platforms/
• https://338canada.com/sim.htm

TULSI WEALTH (unit of Tulsi Securities) has a strong team of professionals who are highly passionate and committed. Tulsi Securities, powered by Motilal Oswal has enabling ecosystem, very strong value systems, robust products & processes & to create wealth for their customers. Tulsi Securities has extremely strong commitment to enable wealth creation for all their customers by ensuring personalized services & delivering world class service to their customers. Tulsi Securities specializes in providing best services to their customers in direct equities, futures & options, depository services, currency, commodities, mutual funds, PMS & many other investment products.
In the era of constant changing and volatile Financial Market, Investors need a Qualified, Trained and Unbiased Professional to assist them in achieving their Short Term and Long-Term Investment goals.
At TULSI WEALTH (unit of Tulsi Securities), our single utmost aim is to assist clients with dedication and integrity so that we exceed their expectations and build enduring relationships. We take the opportunity to introduce ourselves as a bunch of committed professionals with a single vision and mission statement "To serve our customers with integrity and honesty, always putting” Investor's Interest First".
With an experience of 27 years in Financial Service sector, we offer technology-based services for our clients to effectively monitor their portfolio and help them reach their financial goals. We focus at being the most reliable, prompt and efficient provider of financial and insurance services.
We Endeavor to be one-stop Financial Supermarket and of immense help to our investors regarding Tax Solution, Retirement Planning, Wealth Creation and Insurance Management.
Mr. Rakesh Agrawal always had a desire to not just maintain the status quo but to get bigger and better & therefore he associated with Motilal Oswal group in the year Sep-15. His passion & execution powered by MOSL's Vision, Solid Research & Solid Advice has helped him not only create wealth for his clients but create a solid base of extremely satisfied clients.
Kindly Go Through This Website To Get more Information About Stock Market And Investment Policy : https://tulsiwealth.com/index.php

Amapá Iron Ore Mine, Brazil [KDNC] [Flair]

• Cadence owns 30% of the Amapá Iron Ore System which is an integrated mine, railway and port which was previously owned by Anglo American, the mining operation generated profits of $171m in 2011 and $77m in 2012.
• The mine is a major source of employment in the state and when operating previously was the largest employer in the state and represented the largest contributor to the GDP of Amapá amounting to 20% on a turnover basis and 1-3% based on profitability. The mine will employ 600-800 workers and indirectly 4000 workers. The economic prosperity of the region is linked to the success of the mine.
• 2023-01-07 Recent progress podcast:
  • PFS Completed $949m NPV with 10% discount rate and 16 year mine life at 5.28mtpa with profit after tax of US$2.96 billion over Life of Mine
  • PFS allows Cadence to engage with off-take partners, possible JV partners and strategic investors at a project level.
  • "If there is a good opportunity from a strategic investor, the joint venture partners would consider taking that money and for us that would prevent any further dilution in terms of funding going into it by selling off investments that we didn't wish to or raising capital in the market"
  • Options to substantially increase the NPV by reducing CapEx at the port, and increasing mine life.
• 2023-03-01 Corporate Update:
  • DEV Mineração S.A. ("DEV") was unable to meet the 2022 payment schedule as per the settlement deed and although the bank creditors have reserved their rights, the settlement deed remains in full effect with all parties in discussions with a view to agree a new timetable in order to rephase payments so these can be met in light of market conditions.
  • With improving iron ore prices and stability returning to shipping costs, the sale of the 58% iron ore concentrate stockpile is now economically viable. We expect shipping to recommence in the next six months, with the net revenues being used to pay the bank creditors, as per the settlement agreement.

Sonora Lithium Project, Mexico (Ganfeng Joint Venture) [KDNC] [Flair]

• Cadence has a 30% Joint Venture interest in several of the tenements in the Sonora Lithium project. The DFS envisages a total of 3.6% of ore associated with Cadence being mined in years 9 to 19 in the current 17.5kt/35ktpa LCE mining plan. Should Ganfeng accelerate production or increase mine life then the Joint Venture areas will be required sooner and in greater volume. Cadence has 839Mt LCE of mineral reserves associated with its Joint ventures which is 18.58% of the total 4,515Mt LCE of that defined.
• 2022-07-02 Recent highlights:
  • Ganfeng plans to accelerate construction
  • Ganfeng reviewing plans for a production rate above 17.5ktpa and an additional 500 hectares of land acquired at the eastern end of the plant site location to allow for future plant expansions.
  • Sonora Phase 1 plan massively increased to 50kt/yr Lithium Hydroxide
  • Ganfeng eyes US OEMs for “strategic” stake in Mexican lithium project. Elon Musk tweets Price of lithium has gone to insane levels! Tesla might actually have to get into the mining & refining directly at scale, unless costs improve.
• 2022-08-14
  • BN Americas reports “Mexico looks to buy out existing additional rights held by UK exploration giant Bacanora”
  • US Inflation Reduction Act to benefit Mexican Automotive Industry
• 2023-03-01 Corporate Update:
  • In 2021, a decree was passed by the Mexican government to reform the domestic energy sector ("Decree"). The Decree stated that lithium would be included among the minerals considered strategic for an energy transition. As a result, no new concessions for lithium exploitation by private companies would be granted. Earlier this month, the Mexican government passed a presidential decree confirming that within a 900 square-mile lithium mining zone in northern Sonora state, existing concessions would "remain safe". This aligns with the general opinion that the Decree passed by the Senate only impacts licenses, concessions, or contracts to be granted, not already those granted, as is the case for the Sonora Lithium Project.

Hastings Technology Metals, Australia (ASX:HAS) [KDNC] [Flair]

• 2023-03-01 Corporate Update:
  • On 25 January 2023, Cadence completed the sale of its 30% stake in several mineral concessions forming part of the Yangibana Rare Earths project for a consideration of 2.45 million Hastings shares, equating to approximately 1.9% Hastings issued share capital. This consideration was a premium over the Net Present Value ("NPV") of the Cadence portion of the mineable material, based on the definitive feasibility ("DFS") updated by Hastings on 21 February 2022
  • Hastings recently published an update on the Yangibana Rare Earth Project, highlights of which are as follows:
    • Significant progress during the last two months on enabling construction and ordering long lead critical items.
    • A total of $146 million in contractual commitments has been made to date, demonstrating the high degree of confidence by the Hastings Board in the future of the Yangibana project.
    • Ore Reserves increased 25% to 20.93Mt at 0.90% Total Rare Earth Oxide (TREO) grade, increasing mine life to 17 years.

Evergreen Lithium, Australia (ASX:EG1) - [KDNC] [Flair]

• 2023-04-13 Notice of Initial Substantial Shareholder in Evergreen Lithium Limited
  • Evergreen was listed on the Australian Stock Exchange on 11 April 2023.
  • Cadence holds 15,830,138 million shares, equivalent to 8.74% of the issued share capital of Evergreen and is its largest shareholder.
  • A further AS$3.47 million (£1.86 million) of shares in Evergreen are due to Cadence on the achievement of certain performance milestones by Evergreen. The pricing of Evergreen shares associated with this consideration is based on a defined pricing mechanism linked to the VWAP and the date at which the performance milestones are achieved.

European Metal Holdings, Cinovec, Czech Republic (LSE:EMH) [KDNC] [Flair]

• 2022-07-02 Recent highlights:
  • Soft debt / EU grants and financing deals
  • Potential plans to double production (by using two shifts)
  • Updated PFS 75% increase in NPV to S$1.94B, using $17/kg. 16% production increase to 29,386tpa. 30% increase in Lithium Hydroxide to $22.1/kg would increase the NPV8 (post tax) to over $3B.
• 2022-10-31 Expect 10-20% reductions of the Lithium Chemical Plant CapEx and OpEx as a consequence of using a simplified hydrometallurgical process, for which a patent application has been filed.

Passive Equity Investments - Notable Developments [KDNC] [Flair]

See the above menus for company links and announcements - noting that additionally Macarthur holds 20% of spin off Infinity Mining ASX:IMI

Analyst Reports and Recommendations [KDNC]

Date	Link	Who	SP	Summary / Price Target
2023-02-28	Kemeny Capital	Kemeny Capital (investment research)	12.9p	"Cadence Minerals has built a robust portfolio of base and battery metals with ample opportunities for shareholder value creation. Recent developments have helped to substantially increase the potential of two of the group’s asset positions, while adding to the overall corporate valuation. Our sum-of-theparts (SotP) indicative fair value is 43.6p."
2023-02-02	W H Ireland Research	W H Ireland (broker)	14.5p	WHI View: Our assessment is that the Amapá mine could be company-maker for Cadence. We are firmly of the belief that the current market cap is more than covered by the legacy investments that Cadence holds in various new technology metal companies and projects and that the addition of the Amapá stake to its portfolio can only be value enhancing. In our opinion, the development of Amapá will be transformational for Cadence and we see fair value at 71p/sh with plenty of upside potential.
2022-07-24	Reddit Post	u/EV-BULL (private investor)	10.75p	Due diligence short term price target: 60p-80p; 1-2 year price target: 130p; Long term bull case price target: 300p+
2022-07-02	Reddit Post	u/Observer842 (private investor)	10.4p	Due diligence Near term: £37.5m (21.5p) - £92m (53p); Medium term: £160-420m; Longer term: £1-2B+
2022-02-18	Daily Mail	Anne Ashworth for the Daily Mail (Journalist)	20.4p	"The white gold rush appears to be an inviting prospect. But if you want to join, remember that fortunes are far from guaranteed in any foray into commodities. Options include the Aim-listed businesses Cadence Minerals and Zinnwald Lithium."
2022-02-18	Edison Group	Edison Group (investment research)	20.4p	QuickView report
2022-01-01	Daily Mail	Justin Urquhart Stewart (fund manager)	28p	Top pick for the Brave in 2022

ICYMI [Previous]

Date	Article	Comment & Quotes
2023-04-21	Cadence Minerals Q&A session with Kiran Morzaria	Most recent of the presentations and interviews with CEO Kiran Morzaria.
2023-04-13	The Vox Markets Podcast / Kiran Morzaria of Cadence Minerals: Evergreen had a very successful IPO and we are the largest shareholder
2023-03-29	Cadence Minerals Investor Presentation March 2023
2023-02-28	Cadence Minerals - value waiting to be unlocked - SoTP indicative fair value 43.6p	6 page analyst Research report from Kemeny Capital which can be obtained for free by qualifying investors.
2023-02-02	WH Ireland Research Report: Cadence Minerals - Developing Amapá iron ore mine and strategic new technology metal interests (sees fair value at 71p / share)	To obtain this 34 page Analyst Research Report for free, (optionally) first register for Research Tree, then whilst logged in, register for WH Ireland (optionally) using your Research Tree account.
2023-01-03	Completion of PFS on Amapá Iron Ore Project	Post-Tax Project NPV10 US$949 million, Internal Rate of Return of 34% and a Project Maiden Ore Reserve Estimate of 195.8 Mt (Cadence attributable of 58.74 Mt) at 39.34% Fe Declared

Anything missing or incorrect? Let us know in the comments or LSE chat - the mods.

Happy Monday, Barkada --

The PSE gained 81 points to 6512 ▲1.3%

Thanks to Dividend Pinoy for the positive feedback on the new format of the MB REIT Index and MB IPO Tracker images (an update was waaaay overdue), to Rami Hourani, Jing, and CHARToons for the meme love, to Kristoffer Notario and cryptomarcus for feeling my distaste for FILRT, to PHValueInvestor, Joel, Jesley Tan Uy, CFA, and SnooTomatoes5312 for the discussion on the MPI tender situation, and to ACT for the interesting context on the MPI valuation delay.
Shout-outs to Dividend Pinoy PGG, MikeyPylo97, Kristhan Quebec, Jonathan Burac, Chris Darko, Justn, Evolves Capital, Inc., LanAustria, CHARToons, DV Dindo, PNLperShare, KingArk, koninja, Vie, arkitrader, Tenkan Sen, Pao, Technimentalist, Jayman6000, Palaboy Trader, Lance Nazal, Chip Sillesa, and Jing for the retweets, and to CW Sale, Marvin Quezon, Genesis Umali, Evolves.co, Jayvee Menil, and Mike Ting for the Facebook shares.

▌In today's MB:

• COMING UP: The week ahead
  • May CPI data
  • CREIT Q1 div ex-date
  • FILRT Q1 div ex-date
• SPNEC suspended (public float)
• Figaro coffee biz gets PEZA nod
• Top Frontier getting P10.9-B from RSA

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

▌Main stories covered:

• [COMING_UP] The week ahead... This week is going to start quietly and then get a little weird on Tuesday when we hear from the Philippine Statistics Authority on our Consumer Price Index (CPI) reading for May. This is the data that we use to calculate inflation. Tuesday is also the ex-date for CREIT’s Q1 cash dividend. Then we have nothing until Friday, which is the ex-date for FILRT’s Q1 cash dividend.
  
  • MB: The BSP was initially full of bravado when it first hit the pause button last month, but it seemed to quickly walk back comments that it would pause for several periods in a row to say that it would still probably just follow what the US was doing. If the CPI data comes in hot (surprisingly high), then the BSP might be relatively quiet, but if the CPI data comes in cool (surprisingly low), then we might get another round of chest-beating about our ability to remain independent of the US on interest rate hikes and continue our pause. I don’t know which way it will go, only that the CPI data itself isn’t coming down that much on a month-to-month basis; the inflation “gains” that we might see could be low-base effects from the alarming acceleration of inflation that started this time last year.
• [NEWS] SPNEC suspended by the PSE for float violation... SP New Energy [SPNEC 1.46 suspended] [link] was suspended on Friday by the PSE for violating the PSE’s minimum public float rule. The suspension was announced after SPNEC disclosed that the SEC had approved SPNEC’s increase in authorized capital stock from ₱1 billion to ₱5 billion. The PSE appeared to base the suspension on SPNEC’s February 2022 disclosure that said the increase in authorized capital stock was meant to facilitate a massive share swap with SPNEC’s parent company; however, this understanding of the larger transaction doesn’t appear to align with SPNEC’s most recent telling of the deal’s structure from May 8, where SPNEC said that it would acquire the projects from its parent company using cash as payment (not shares). According to Nicky Franco, the head of research for SPNEC’s underwriter, despite the PSE’s misunderstanding of the larger picture, SPNEC is still in violation of the minimum public float requirement, and will still need to sell additional private placements to get its public float up above 20% before it can have that trading suspension lifted.
  
  • MB: This is kind of an ugly situation that caught a lot of people by surprise, and the confusion caused by the PSE’s disclosure only seemed to add to the uncertainty. To be clear, the PSE’s misunderstanding isn’t material: SPNEC regardless of whether the full deal is a share swap or a cash purchase, SPNEC still needs to have more of its shares sold to non-controlling entities for it to complete the transaction. It doesn’t matter whether those shares are sold by SPNEC directly or by SPNEC’s parent, the key here is that “the public” just owns too little of the company for the PSE to allow it to be traded as a public company. The problem for investors is that we don’t know how long this situation will last. SPNEC could crush out a deal or two over the weekend, or it could hit a few snags and/or get side-swiped by some external event, and the situation could take weeks to resolve. We just don’t know.
• [NEWS] Figaro gets PEZA approval for coffee production facility... Figaro [FCG 0.74 ▲8.8%; 174% avgVol] [link] disclosed that it received approval from the board of the Philippine Economic Zone Authority (PEZA) for FCG, under its wholly-owned subsidiary, Figaro Innovation and Development (FIDI), to produce roasted coffee at its Laguna Technopark facility as an “Ecozone Export Enterprise”. This will give FCG’s coffee project a 5-year income tax holiday, with an additional 10-year “special” 5% corporate income tax once that holiday expires. FCG said that its primary goal for FIDI is to make “trailblazing products and processes” to “level up the F&B industry”, and to “promote Filipino brands, products and raw materials globally.”
  
  • MB: These tax holidays are significant, but they’re only as significant as the volume of the activity that is being taxed. FCG’s plans with respect to the export of its coffee are not particularly clear, considering the old “CTRL-F” of “innovation” (for the subsidiary), “PEZA” (for the plan to acquire tax-free privileges), and “export” (for the plan to export products globally) returned zero hits on the company’s most recent Annual Report and its two latest Quarterly Reports. The global coffee market is massive (~$500 billion/year), and is expected to grow modestly year-on-year (5% CAGR), but it’s hard to attach a potential value to anything without knowing more. The market didn’t care about them pesky details, pumping the stock 9% on the news.
• [NEWS] Ramon Ang pumping ₱10.9-B into Top Frontier... Top Frontier Investment Holdings [TFHI 120.00 ▲8.1%; 41% avgVol] [link], the parent company of San Miguel [SMC 106.90 ▲0.2%; 83% avgVol], disclosed that its board had unanimously approved the sale of 45 million common shares to Far East Holdings (FEH), at a price of ₱241.42/share, for a total price of approximately ₱10.86 billion. The per-share price of the deal is 117% higher than TFHI’s previous closing price of ₱111.00/share. FEH is owned by Ramon Ang, and the deal would increase Mr. Ang’s stake in TFHI to approximately 35%. The purchase will make Mr. Ang the second-largest TFHI shareholder behind Inigo Zobel. When asked about the purchase, Bloomberg reported that Mr. Ang said: “It’s a good investment”, and then added that he has “extra funds”.
  
  • MB: As the Bloomberg article mentions, FEH made some money in 2022 when it sold its holdings in Eagle Cement to SMC. In this game of “follow the money”, we’ll just have to wait and see what TPHI does with the new injection of cash. What we don’t have to wait for is the use of this deal as a contrast to how Manny V. Pangilinan has conducted the Metro Pacific [MPI 4.35 ▼0.5%; 463% avgVol] tender offer transaction. I wonder if COL Financial is going to send me a breathless email about TPHI’s upcoming shareholders’ meeting, too?

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Posting here as the post is getting banned from personalfinance. Please lmk if this is not allowed here or suggest any other subreddits to post in.
I (28M) and GF (28F) wish to buy a house to live in once the current lease ends and want to start the pre-approval process.
A bit of background.
Income (excluding interests & dividends): Me: $205k/year. GF: $225k a year.
House:
The kind of houses we want to buy are around 550k but we are willing to stretch it to 650k.
Savings:
It's only 1-1.5 years since we got almost 100% bumps after switching jobs (same industry). While fortunately, we haven't fallen into lifestyle creep yet (we hope we keep it that way), we feel terrible and stupid that we have been just parking all the money in a checking account losing its value to inflation and wasting an opportunity to make it grow partly due to having no idea what to do and partly procrastination.
I have about $35k in my 401k (started really late). I used to have around $115k in my checking account but after discovering the personalfinance Reddit sub a couple of months ago, I put $70k in an HYSA at 4%, and $40k in some blue-chip stocks & ETFs on Robinhood before figuring out what to do with it.
Over the last 5 years, I sent around $200k back to my account in my home country for my dad to make investments in my name as it wasn't decided if I would stay in the US permanently. He invested around $100k in Index funds and $100k in long-term mutual funds under my name which he says I should treat as a part of my retirement fund. But after my decision to stay in the US permanently, he says I should not make any further investments in my home country and I should learn how to invest in the US. It's also better that way for diversification and currency fluctuation as well.
GF has around $150k in 401k and about $200k in an HYSA paying 4% interest.
Debts & Expenses: We share a car that I bought a year ago for $35k (still owe 20k. $550/month for 4 years), but the APY is 1.75%, so I haven't paid it off as I am getting more than what we'd save in the HYSA.
Our monthly expenses are around $2500-3000 each including rent, utilities& leisure while our take-home pay is around $9.5k-$10k each (after maxing out 401k).
Questions: My credit score is around 780 while my GF's is 800. I am guessing even with a high score and a low Debt-to-Income ratio, the best mortgage rate we'd get would be around 6.5% in today's market. Please correct me if I am wrong here.
We're both engineers and do not have any experience with investing and finance. We were wondering if it'd be a good idea to make a significant downpayment from our HYSA (30-50%) or make big payments towards the principal to lower the interest payments since we are naive at investing. This also frees us from the investment analysis paralysis partly due to the fear of having a large sum to invest which makes us more afraid to get our feet wet in water.
After the downpayment, we could slowly learn and invest slowly in the market in small amounts from the money from our next paychecks.
Theoretically, we know it's a bad idea since in the longer run, the stock market always pays more than what you'd save in mortgage interest, but we are not sure if that's for everyone, especially for people like us who are newbies to investing. And considering current high-interest rates, is it worth taking that risk on the stock market beating guaranteed savings of mortgage interest of 6.5%?
Are there better alternatives or suggestions in our case? I know the initial few years on a mortgage is where most of the interest goes due to the nature of amortization. So was wondering if it's wise to play it safe and cut that down.

Timestamp: https://i.imgur.com/hJVSlNi.jpg
Hello, I've gathered a lot of items that aren't being used anymore and need a new home--this might be the perfect opportunity to start your new build! There are 43 distinct items, which include:

• AR Upper parts
• AR Lower parts
• Other AR small parts
• Mlok accessories
• Weapon light accessories
• Glock Parts

I have the items listed below, but since there are quite a few items, I've also put them in a Google Sheets document here to keep everything organized. The Google Sheets will have more details/notes and links.
Pricing: PayPal F&F or G&S (buyer pays fees). Shipping is a FLAT $7, regardless of quantity; prices listed do not include shipping unless indicated otherwise. Shipping for an item that can be mailed as a letter will just be 50 cents.
I don't like haggling, though I am open to hear reasonable offers. Please let me know if you have any questions or would like more detailed pictures.
Items for sale - more details/descriptions in the Google Sheet:

AR Upper Parts

Receivers and Handguards

Quantity	Item	Condition	Price per quantity	Pictures
1	BCM MK2 11.5 ELW MCMR Upper w/ BCM BCG	Used	$660 shipped	https://imgur.com/a/lX2qtE9
1	ADM UIC Billet Upper Receiver (FA+PC), FDE Cerakote	Lightly Used	$260	https://imgur.com/a/LfwV8wI
1	ADM 10.75" Handguard, FDE Cerakote	Lightly Used	$200	https://imgur.com/a/LfwV8wI
N/A	Combo: Both the ADM upper receiver & 10.75" handguard	Lightly Used	$445 shipped	https://imgur.com/a/LfwV8wI
1	Expo Arms 15" Combat M-LOK Handguard, Black	New	$120	https://imgur.com/a/8mTggbZ
1	Aero Precision Atlas R-One 15" M-Lok Rail	Lightly Used	$140	https://imgur.com/a/b2oeecj

Barrels

Quantity	Item	Condition	Price per quantity	Pictures
1	SOLGW Combat Grade 5.56 16" Mid-Length Barrel	Used	$130	https://imgur.com/a/vRZp7Zq

Charging Handles, Gas Blocks, & Small Parts

Quantity	Item	Condition	Price per quantity	Pictures
1 SOLD	Geissele SCH (DDC)	Used	$90	https://imgur.com/a/OofTzDl
1	Aero Precision Carbine Gas Tube, Melonite	New	$12	https://i.imgur.com/hhwYjJm.jpg

Muzzle Devices & Suppressor QD Adapters

Quantity	Item	Condition	Price per quantity	Pictures
1	Dead Air Omega Adapter (DA428)	Lightly Used	$190	https://imgur.com/a/E7GEDXQ
1	Lantac Dragon, Keymo	Used	$75	https://imgur.com/a/S6IfC8i
1	Lantac Dragon, Keymo	Lightly Used	$90	https://imgur.com/a/vG6hKeI
1	SOLGW NOX 5.56 Keymo, RH	New	$90	https://imgur.com/a/gE0XET4
1	YHM Phantom QD Adapter	New	$70	https://imgur.com/a/IHXB6UL
1	Daniel Defense Birdcage FH	Used	$30	https://imgur.com/a/vG6hKeI

Mlok Accessories

Quantity	Item	Condition	Price per quantity	Pictures
1	SLR M-LOK Handstop Mod2 - Barricade	New	$30	https://i.imgur.com/XxtcHHo.jpg
1 SOLD	Railscales KARVE Polymer, M-LOK, Black	New	$25	https://i.imgur.com/r4cXLeG.jpg

​

AR Lower Parts

FCG and Small Parts

Quantity	Item	Condition	Price per quantity	Pictures
1	SOLGW Milspec Trigger	Lightly Used	$54	https://i.imgur.com/Cq3fWVS.jpg
1	ADM Low Head Trigger Pin Kit	New	$10	https://i.imgur.com/pNeL89X.jpg
1	SOLGW Milspec style Ambi Safety	Like New	$24	https://i.imgur.com/NZcQBe2.jpg
3	Milspec AR15 bolt catch	New	$4 or $10 for all 3	https://i.imgur.com/e0iWczo.jpg

Buffer System

Quantity	Item	Condition	Price per quantity	Pictures
1	Milspec Buffer Retainer Detent, no spring	New	$2	https://i.imgur.com/e0iWczo.jpg
1	Midwest Industries Endplate	New	$25	https://i.imgur.com/zzfTTao.jpg

Stocks & Braces

Quantity	Item	Condition	Price per quantity	Pictures
1	LAW Tactical folder Gen 2, Black	Used	$210	https://i.imgur.com/s6Di2ep.jpg
1	SC Irregulars FEER V2.5 .75" Cheek Riser (FDE)	Used	$65	https://imgur.com/a/9ABKUhv

Grips

Quantity	Item	Condition	Price per quantity	Pictures
1	Magpul MOE+ Grip	Used	$15	https://imgur.com/a/ACQDwVp
1	Magpul MIAD Gen 1.1 Grip Kit - TYPE 1, FDE	Like New	$25	https://imgur.com/a/0E7FRWO

​

Glock Parts

Quantity	Item	Condition	Price per quantity	Pictures
1	Triarc G19 Threaded Barrel	Lightly Used	$200	https://imgur.com/a/cE0gd7T
1	Apex Glock Action Enhancement Trigger Shoe	New	$75	https://i.imgur.com/ghqSFY1.jpg
1	Glock 43X OEM Mag Catch	New	$3	https://i.imgur.com/RQFjzfl.jpg
1	Glock Gen 5 MOS Cover Plate for 17/19/45	New	$5	https://i.imgur.com/ht0jq3x.jpg
1 SOLD	Glock 43X OEM "iron" sights	New	$5	https://i.imgur.com/SXMvGku.jpg

​

Weapon Light Accessories

Quantity	Item	Condition	Price per quantity	Pictures
1	Cloud Defensive Light Mount, Black (from Rein 2.0)	New	$23	https://i.imgur.com/sOia07s.jpg
1	Cloud Defensive Light Mount, FDE (from Rein 2.0)	New	$23	https://i.imgur.com/sOia07s.jpg
1	Arisaka Inline Scout Mount, M-LOK	New	$34	https://i.imgur.com/IEUHbwI.jpg

​

Holsters, Kit, Slings, and Similar Accessories

Quantity	Item	Condition	Price per quantity	Pictures
1	T1C Standard Large Wedge	New	$5	https://i.imgur.com/XG7T16s.jpg
1	T1C Standard Extra Large Wedge	New	$5	https://i.imgur.com/XG7T16s.jpg
1	Safariland 572 Double Mag Carrier, FDE	Used	$35	https://imgur.com/a/YMiv78v
1	Safariland Midride UBL	Used	$20	https://imgur.com/a/weaOMNg
2	Esstac Kywi belt loops, set of 2	New	$7	https://i.imgur.com/y0LBje2.jpg
1	Drop6 Sling (Black)	Used	$30	https://imgur.com/a/dtyirpO
1	Shaw Concepts Arc Placard V3, Coyote Brown	New	$55	https://imgur.com/a/YEHXobx
1	Magpul(?) QD Swivel	New	$13	https://i.imgur.com/PIWstVi.jpg

​

Optics and Mounts

Quantity	Item	Condition	Price per quantity	Pictures
1	Sig Romeo 5 on Reptilia 1.93" Mount (FDE)	Used	$200	https://imgur.com/a/ZN982PP

​

Freebies w/ an Order

Quantity	Item	Condition	Price per quantity	Pictures
4	Howard Leight Impact Stock Earpads	New	$0	https://i.imgur.com/4zhHMIM.jpg

​

Posting here as the post is getting banned from personalfinance. Please lmk if this is not allowed here or suggest any other subreddits to post in.
I (28M) and GF (28F) wish to buy a house to live in once the current lease ends and want to start the pre-approval process.
A bit of background.
Income (excluding interests & dividends): Me: $205k/year. GF: $225k a year.
House:
The kind of houses we want to buy are around 550k but we are willing to stretch it to 650k.
Savings:
It's only 1-1.5 years since we got almost 100% bumps after switching jobs (same industry). While fortunately, we haven't fallen into lifestyle creep yet (we hope we keep it that way), we feel terrible and stupid that we have been just parking all the money in a checking account losing its value to inflation and wasting an opportunity to make it grow partly due to having no idea what to do and partly procrastination.
I have about $35k in my 401k (started really late). I used to have around $115k in my checking account but after discovering the personalfinance Reddit sub a couple of months ago, I put $70k in an HYSA at 4%, and $40k in some blue-chip stocks & ETFs on Robinhood before figuring out what to do with it.
Over the last 5 years, I sent around $200k back to my account in my home country for my dad to make investments in my name as it wasn't decided if I would stay in the US permanently. He invested around $100k in Index funds and $100k in long-term mutual funds under my name which he says I should treat as a part of my retirement fund. But after my decision to stay in the US permanently, he says I should not make any further investments in my home country and I should learn how to invest in the US. It's also better that way for diversification and currency fluctuation as well.
GF has around $150k in 401k and about $200k in an HYSA paying 4% interest.
Debts & Expenses: We share a car that I bought a year ago for $35k (still owe 20k. $550/month for 4 years), but the APY is 1.75%, so I haven't paid it off as I am getting more than what we'd save in the HYSA.
Our monthly expenses are around $2500-3000 each including rent, utilities& leisure while our take-home pay is around $9.5k-$10k each (after maxing out 401k).
Questions: My credit score is around 780 while my GF's is 800. I am guessing even with a high score and a low Debt-to-Income ratio, the best mortgage rate we'd get would be around 6.5% in today's market. Please correct me if I am wrong here.
We're both engineers and do not have any experience with investing and finance. We were wondering if it'd be a good idea to make a significant downpayment from our HYSA (30-50%) or make big payments towards the principal to lower the interest payments since we are naive at investing. This also frees us from the investment analysis paralysis partly due to the fear of having a large sum to invest which makes us more afraid to get our feet wet in water.
After the downpayment, we could slowly learn and invest slowly in the market in small amounts from the money from our next paychecks.
Theoretically, we know it's a bad idea since in the longer run, the stock market always pays more than what you'd save in mortgage interest, but we are not sure if that's for everyone, especially for people like us who are newbies to investing. And considering current high-interest rates, is it worth taking that risk on the stock market beating guaranteed savings of mortgage interest of 6.5%?
Are there better alternatives or suggestions in our case? I know the initial few years on a mortgage is where most of the interest goes due to the nature of amortization. So was wondering if it's wise to play it safe and cut that down.

Order, Order.
We turn now to a Stage 1 Debate on SB229 in the name of the Scottish National Party. The question is that this Parliament approves the general principles of the Digital Library Service (Scotland) Bill

Digital Library Service (Scotland) Bill

An Act of the Scottish Parliament to establish a Scottish Digital Library Service; and for connected purposes.
Section 1: Scottish Digital Library Service
(1) There shall exist a body called the Scottish Digital Library Service, in this Act called "the Service".
(2) The purpose of the Service is to—

(a) promote the digitisation of applicable works by Scottish libraries;
(b) assist libraries with this digitisation; and
(c) make digitised copies of applicable works available to the Scottish public.

(3) The Service shall consist of the Chairperson and a number of other members not exceeding 8.
(4) The Chairperson shall be appointed by the Cabinet Secretary and the other members of the Service shall be appointed by the Chairperson.
Section 2: Digitisation of library contents
(1) In this Act "applicable work" means any work to which the Legal Deposit Libraries Act 2003 applies.

(a) However, "applicable work" does not include any work which cannot be digitised or which would be damaged by the process of digitisation, even if the Legal Deposit Libraries Act 2003 would apply to that work.

(2) By 1st January 2025 libraries must ensure that at least 50% of applicable works are available in a digital format.
(3) By 1st January 2030 libraries must ensure that all applicable works are available in a digital format.
(4) Subsections (2) and (3) do not apply to the National Library of Scotland.
(5) By 1st January 2030 the National Library of Scotland must ensure that at least 50% of applicable works are available in a digital format.
(6) By 1st January 2040 the National Library of Scotland must ensure that at least all applicable works are available in a digital format.
(7) The Service must assist libraries in digitisation by providing—

(a) equipment,
(b) expertise, and
(c) funding

to libraries where necessary.
Section 3: Unification of digital collections
(1) The Service must maintain a website on which Scottish people can access works held by libraries that have been digitised.
(2) The Service must create an app to allow access to digitised works from mobile devices.
(3) Libraries must provide copies of their digitised works to the Service to be added to its website and app.
Section 4: Consequential
(1) Section 5(1) of the Heritage Expansion (Scotland) Bill is amended to read—

(1) This Act may be cited as the National Museums Scotland & National Library of Scotland Expansion (Scotland) Act 2022.

(2) Section 3(2) of the National Museums Scotland & National Library of Scotland Expansion (Scotland) Act 2022 is repealed.
Section 5: Commencement
This Act enters into force on the day six months after it passes.
** Section 6: Short title**
This Act may be cited as the Digital Library Service (Scotland) Act 2023.
This bill was written by the Rt. Hon. Dame Faelif CB GBE PC MP MLA MSP, Shadow Cabinet Secretary for Culture, on behalf of the Scottish National Party. It is inspired by the National Digital Library Service Bill.
Legal Deposit Libraries Act 2003
National Museums Scotland & National Library of Scotland Expansion (Scotland) Act 2022
Opening Speech by Faelif:
[Leas-]Oifigear-Riaghlaidh,
Over the last few years it has become increasingly obvious that more and more Scottish people are relying on digital access to public services. Be it remote working, food delivery apps or video calls, more and more is being done over the Internet rather than in person. But libraries haven’t kept up - to take out a book one must still physically go to a library and literally speaking take out the book. The technology is there to enable online access - all it really requires is a website and a photocopier, in most cases - but this simply hasn’t yet happened.
Inspired by similar efforts in England, this Bill would require public libraries to put digitisation procedures in place, and sets out a timescale for this to occur. There’s a different timescale for the National Library of Scotland due to the size of the task, though it is my belief that this remains eminently possible - it just gives more leeway to the Library due to its holding significantly more stock than the average public library. It also creates the Scottish Digital Library Service to coordinate these efforts and provide a single unified website and app for Scots to access library books.
Oifigear-Riaghlaidh, I hope this is a measure that Members of all political persuasions can get behind - the free and unfettered access to information is an incredibly important part of building a fairer society.
Debate on this bill will end at the close of business on 7th June at 10pm BST.

I'm a n00b in investing and hope someone could give me some advice on getting started. I have been procrastinating so much=( So, I would like to start invest $20,000 as initial funding. My risk appetite is medium. My goal is mainly long-term for a house (plus a short term goal for a vehicle... the interest rate is just pain to think about). I would like to invest in ETF, in particular VEQT, VGRO, and VFV. Plus, I would like to add tech-heavy EFT, in particular US tech. What is a good equivalent of XIT? Could I have some advise what may be good proportions to allocate to these ETFs? Sorry for a stupid question: are these ETFa all sit and wait for decade(s) to grow, what is my return short-term & long-term? Also, I still want to jump to the bandwagon of buying individual stocks of US tech firms. This probably is not a good idea for a noob but has been in my mind for a year (and haven't acted on sigh...) In addition, I think I should put my rainy day funds to a cashable GIC rather than sitting around. Any comments (hopefully not hateful) are appreciated. TIA!

Posting here as the post is getting banned from personalfinance. Please lmk if this is not allowed here or suggest any other subreddits to post in.
​
I (28M) and GF (28F) wish to buy a house to live in once the current lease ends and want to start the pre-approval process.
A bit of background.
Income (excluding interests & dividends): Me: $205k/year. GF: $225k a year.
House:
The kind of houses we want to buy are around 550k but we are willing to stretch it to 650k.
Savings:
It's only 1-1.5 years since we got almost 100% bumps after switching jobs (same industry). While fortunately, we haven't fallen into lifestyle creep yet (we hope we keep it that way), we feel terrible and stupid that we have been just parking all the money in a checking account losing its value to inflation and wasting an opportunity to make it grow partly due to having no idea what to do and partly procrastination.
I have about $35k in my 401k (started really late). I used to have around $115k in my checking account but after discovering the personalfinance Reddit sub a couple of months ago, I put $70k in an HYSA at 4%, and $40k in some blue-chip stocks & ETFs on Robinhood before figuring out what to do with it.
Over the last 5 years, I sent around $200k back to my account in my home country for my dad to make investments in my name as it wasn't decided if I would stay in the US permanently. He invested around $100k in Index funds and $100k in long-term mutual funds under my name which he says I should treat as a part of my retirement fund. But after my decision to stay in the US permanently, he says I should not make any further investments in my home country and I should learn how to invest in the US. It's also better that way for diversification and currency fluctuation as well.
GF has around $150k in 401k and about $200k in an HYSA paying 4% interest.
Debts & Expenses: We share a car that I bought a year ago for $35k (still owe 20k. $550/month for 4 years), but the APY is 1.75%, so I haven't paid it off as I am getting more than what we'd save in the HYSA.
Our monthly expenses are around $2500-3000 each including rent, utilities& leisure while our take-home pay is around $9.5k-$10k each (after maxing out 401k).
Questions: My credit score is around 780 while my GF's is 800. I am guessing even with a high score and a low Debt-to-Income ratio, the best mortgage rate we'd get would be around 6.5% in today's market. Please correct me if I am wrong here.
We're both engineers and do not have any experience with investing and finance. We were wondering if it'd be a good idea to make a significant downpayment from our HYSA (30-50%) or make big payments towards the principal to lower the interest payments since we are naive at investing. This also frees us from the investment analysis paralysis partly due to the fear of having a large sum to invest which makes us more afraid to get our feet wet in water.
After the downpayment, we could slowly learn and invest slowly in the market in small amounts from the money from our next paychecks.
Theoretically, we know it's a bad idea since in the longer run, the stock market always pays more than what you'd save in mortgage interest, but we are not sure if that's for everyone, especially for people like us who are newbies to investing. And considering current high-interest rates, is it worth taking that risk on the stock market beating guaranteed savings of mortgage interest of 6.5%?
Are there better alternatives or suggestions in our case? I know the initial few years on a mortgage is where most of the interest goes due to the nature of amortization. So was wondering if it's wise to play it safe and cut that down.

TL;DR: The only way to have low taxes in a high GDP society is to replace the taxes with income from either exporting resources, banking, or trade. These cash infusions are impossible to create at a large scale abd are usually determined by geography.
For the purposes of this argument, we will define a low tax, high GDP society as a country with both higher per captia GDP and lower tax revenue as share of GDP than the USA. This leaves only 3 countires. Just like high tax, high GDP counties, these low tax, low GDP counties also have extensive public programs in healhcare, education, and infrastructure. Lucky for us, each of these represent a discount way to achieve high wealth with low taxes, none of which scale.
1) UAE: They fund their social spending by exporting oil. This tends to produce authoritian societies which smooth brained dictators waste money on lavish bullshit and will fall apart the instant the market for their export disappears, no matter how much they try to diversify.
On top of not being sustainable, it can not scale. Not only does it require that your society to literally be on top of a bunch of resources, but it also requires that the countries importing your resources to choose to buy your resources rather than enslave the locals to extract those resources and simply take them.
2) Ireland: They fund social from money make by being a tax haven, much Lichtenstein or the Cayman Islands. The model is that everyone puts their money in your banks to avoid taxes, and you take a tiny cut of it, and this is what finances social spending instead of taxes. This is the only method that can work independent of geography, but it can only work on a small scale because the money they make is tiny in comparison to the tax dollars they cost everyone else. You can only have so many people taking a small cut, the more people taking a cut, the smaller the cut they will get. This is simply not scalable.
3) Singapore: They fund social spending through money from being an international trade hub. Singapore has the highest trade to GDP ratio and second largest port in the world. Rule of thumb is that this is only viable if a European colonial power has ever tried to make the area into a port, so this is simply not an option to the vast majority of people and countries.
This is the most important one because a foundational pillar of beief in neoliberalism is that anyone could be Singapore if they lowered taxes and regulations. This belief is demonstrably false by the fact that no one who wasn't already a global trade hub has been able to make the Singapore model work.
Despite Singapore's low taxes, it is hardly a neoliberal dream come to life. There are many, many laws regarding personal conduct that are strictly enforced. The government of Singapore also owns 90% of the land, 80% of the housing, huge amounts of stock in an array of comapnies, and a massive sovergn wealth fund. It also has universal health insurance coverage and goverment ownership of 80% of all hosital beds. That's a lot of public ownership for a captialist utopia.
There is simply no way to make a high GDP society without providing a lot of services, and those services must be paid for. And unless you have a rare geographic advantage or have worked out your parasitic niche as a tax haven, you need to fund those services by taxes. The promise of wealth through low taxes and private ownership alone is only believable if you are economically and historitically illiterate.
https://ourworldindata.org/graphecountry-level-taxes-vs-income?yScale=linear

Hello Friends!

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Below are my in-progress workings for a world that extends Gielinor:
Runic Altars and Faction Establishment
All Icons Runes Prayerbook Standard Spellbook Mysthic Spellbook Bosses – details Bosses – drops Bosses – attacks
In the far past there existed the elder god Jun, an ancient deity associated with thought and sentience and the only known elder god within the realm. She is believed to be the creator of this world and the entirety of its life. In the first days of its creation, she established the godless human race, alongside ten sects of beings corresponding to each of the four core elemental, four catalytic, organic, and teleportation runestones, each with specific properties and powers for the sects' followers to dedicate their lives towards. Likewise, she created the ten gods of the world to oversee their assigned followers. The runestones were held by the gods, and runic altars corresponding to each runestone were scattered across the lands for their associated followers to create personal rune supplies for their development. Soon after, the core religions were established for followers to announce their loyalty and allegiance to their associated gods. A further two runestones with modification properties corresponding to global balance were not provided with associated beings, instead being retained by Jun herself with their altars placed upon a remote land to ensure continuity of balance. With peace and unity amongst the sects as they developed functioning societies and branched into further lands, Jun returned to the elder god's realm and becoming dormant in a slumber ever since.
The twelve runic altars globally influence the climate and weather patterns, environment, and societies of the lands, with amplified local effects around their locations:
Light and Shadow Altars: Provide balance, alongside alternating pulsations to trigger global day and night cycles.

• Air Altar: Influences atmospheric composition, pressure, and winds to allow life to thrive.
• Water Altar: Influences global waters and rainfall to provide sustenance through water and aquatic life.
• Earth Altar: Provides structure to the lands, as well as nutrients for vegetation to thrive.
• Fire Altar: Influences global temperatures.
• Nature Altar: Influences vegetative and other organic matter, and provides sustenance through land life.
• Law Altar: Influences social systems and structures, as well as thought and sentience.
• Life Altar: Allows for life to be created and exist.
• Soul Altar: Provides energy to life.
• Death Altar: Allows for life to cease.
• Blood Altar: Provides vigour to life.

The initial religions corresponding to the ten gods evolved into the modern-day factions of the world, each enhanced by their altars’ powers and commanded by dedicated leaders. Although established as a godless division with no dedicated altar, over time some humans pledged allegiance to chosen gods, migrating to the lands of the gods’ followers to seek lifestyles enriched by the powers of their runic altars.
Godless Territory
Map
Breska is a temperate continent situated in the south-west region of the eastern multicontinental landmass. It is considered godless territory where the bulk of the world's human population resides, and is the only continent without a runic altar. The territory consists of two general regions: the Breskan mainland to the west, and the Breskan Intercontinental Strip (BICS) to the east. The latter connects the mainland to the eastern multicontinental landmass via the vast country of Bongola - part of the water territory of Inersia - which houses the World Gate on its south coast for passage into different worlds.
Administration is centralised within the mainland country of Bragos, housing government officials and the territory's militia. The surrounding countries act as hubs for resource-gathering for development of the territory, as well as buffer zones from potential attacks. Countries of the BICS in contrast have some degree of autonomy from the mainland's influence. They generally consist of mixed agrarian and fishing communities due to the abundance of fertile soils and fish stocks, and often supply surplus yields to the mainland in exchange for useful resources.
The natives have established a quick-travel network across the mainland after the unearthing of a strange runic obelisk in Bragos, and subsequently a further nine obelisks with similar properties in various surrounding countries. They discovered a method to tune their spellbook to each obelisk, allowing for basic teleportation capabilities across their lands. It is unknown whether further obelisks exist across the world.
Work in Progress Designs
The Gamminoxious Behemoth Sashekra Azzakari & Jixkari Oloumdra Xitaurus Runica Lokhvius Serix Aurix Gamix Nomestidon Random Workings 1 Random Workings 2
Thought I’d also share WIP images of some of the creatures that are being worked on (all done in MS Paint). They’re a mix of some outdated and new drafts, outdated art style drawings, and newer art style drawings :)
Miscellaneous World Workings
List of Countries and Continents Flag Workings Old World Map
Music Inspiration (Continents)

CONTINENT	MUSIC
AGESIA	1, 2, 3
AUNA	1
BRESKA	1
ESCESIA	1
FRISKA	1
GURESS, ONJURIN	1
INERSIA	1, 2
ORKOS	1
OSCINIA	1
PAIESIA	1, 2
TSUJINIA	1

Music Inspiration (Bosses)

BOSS	MUSIC
EMPEROR G. SINKALAKAS	1, 2
THE GAMMINOXIOUS BEHEMOTH	1
SIL'KRIA	1
ELLISUM	1, 2, 3
TUNOKUBA, SASHEKRA	1, 2, 3, 4, 5
MJAMA	1
AZZAKARI & JIXKARI	1
THE 'JHUBA'	1
OLOUMDRA	1, 2, 3
X. RUNICA	1
UMBISTA	1, 2
LOKHVIUS	1, 2, 3, 4
SERIX	1
AURIX	1, 2, 3
GAMIX	1, 2, 3
SIJINITH UTEGANJIC	1, 2, 3
HOLORYI	1
NOMESTIDON	1, 2, 3

Apologies if this is a dumb question, but there seem to be no Schwab fund options in my Schwab workplace 401k or Roth 401k? Looking at it because I'd be perfectly happy with SWTSX over VTSAX or a Schwab TDF over a Vanguard due to the transaction fees, but they don't seem to be options?
List of the available options below. Any insights are appreciated!
-------------
694 - Aggressive Growth Model
693 - Growth Model
VTWNX - Vanguard Target Retirement 2020 Fund
VTTVX - Vanguard Target Retirement 2025 Fund
VTHRX - Vanguard Target Retirement 2030 Fund
VTTHX - Vanguard Target Retirement 2035 Fund
VFORX - Vanguard Target Retirement 2040 Fund
VTIVX - Vanguard Target Retirement 2045 Fund
VFIFX - Vanguard Target Retirement 2050 Fund
VFFVX - Vanguard Target Retirement 2055 Fund
VTTSX - Vanguard Target Retirement 2060 Fund
VLXVX - Vanguard Target Retirement 2065 Fund
VTINX - Vanguard Target Retirement Income Fund
Stocks
Large Company
RFNGX - American Funds Fundamental Invs R6
MLAIX - MainStay Winslow Large Cap Growth I
MEIJX - MFS Value R4
VFIAX - Vanguard 500 Index Admiral
VTSAX - Vanguard Total Stock Mkt Idx Adm
Small/Mid Co.
BMGAX - BlackRock Mid-Cap Growth Equity Inv A
FLMVX - JPMorgan Mid Cap Value L
LSSNX - Loomis Sayles Small Cap Growth N
VIMAX - Vanguard Mid Cap Index Admiral
VSMAX - Vanguard Small Cap Index Adm
VSOIX - Victory Sycamore Small Company Opp I
Intl/Global
RERGX - American Funds Europacific Growth R6
MINHX - MFS International Intrinsic Value R4
VTIAX - Vanguard Total Intl Stock Index Admiral
Specialty
CSRSX - Cohen & Steers Realty Shares L
Balanced
692 - All Weather Model
RLBGX - American Funds American Balanced R6
PAAIX - PIMCO All Asset Instl
Bonds
EIGOX - Eaton Vance Government Opportunities I
JCBUX - JPMorgan Core Bond R6
MWTIX - Metropolitan West Total Return Bd I
VBTLX - Vanguard Total Bond Market Index Adm
Capital Preservation
WFVTZ - Galliard Stable Return Fund C
Other
690 - Capital Preservation Model

I admire the great achievements, traditions and philosophy of Altmer, but even the lowliest of Dwemer would have diabolically effective contingencies of demands and Concordat laws to subvert the Empire. Now there's Martin Septim-worship in Bruma/Cyrodiil.
The problem with this last most civilized Mer race is that it is too open with the most repugnant of lesser races, "suffering with dignity" more than dignity can afford. Even consuming Khajiiti herbal narcotics in their presence as if they they could ever be friends, rendering the Thalmor agenda of slangin' skooma across provinces to euthanize these Beasts for naught.
The Dwemer wouldn't sacrifice brain cells even considering the absurdity that is M*n and their putrid Beast mouths. They built underground cities and managed to maintain a mostly meritocratic civilization as seen with Rav Nchylbar's rise.
The Dwemer would have fleets of tactical spy balloons flying around enemy provinces instead of just one.
The Dwemer wouldn't need to have Razelan around to be coaxed into expanding Thalmor control of the Vici-Salvian & Iliac indeces or bribes for insider trading. They excel in mathematics and establish mulitple corpora more than Altmer could dream of. Solitude's token N*rd Dominion economist has to beg his CO to deliver funds to buy out companies in the current Imperial stock market crash's lowest lows.
What a pathetic, pale shadow of Mer might and intellect that is left on Nirn. If the Dwemer had suffered the Numidium's atrocities instead of the Altmer, they would be recieving Dwemercaust reparations for entire Eras to come and have the Elder Council grovelling to their every step.

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