2022.01.29 07:01 magritte-fan I really love my cat so much, but does anyone else still constantly feel surprised that your cat loves YOU so much? Like my cat loves me a lot, and it's crazy to imagine such a little creature loving me so much.
I'm excited to care for my cat until she's an old senior cat, I totally understand it's a lifelong commitment and I love her too much to ever want to give her up. However I've been raising this kitten since 2 months of age, and I'm not exactly proud of how I acquired her. Admittedly, I did not do enough research and inadvertently bought a cat from who was probably a breeder off of Craigslist. When I bought my kitty, the owners pushed me into buying the mom cat which I did since I felt bad separating a mother from it's daughter at such a young age. So I raised the kitten with the 3 year old mother, and it was a great time for me. It was a tad stressful as the mother cat would yowl all the time, and I had no idea why but I also did not have the money to afford a vet visit then. The mother cat was mostly fine, she would be a bit aggressive at times when I'd pick her up but she mostly loved me. Then I woke up one day and I heard a bunch of tiny kittens screaming about. I was very confused, so I looked over and I thought I saw my mom cat carrying around one of my socks with her mouth.. I go over to check, and she's laying on her cat bed and there's randomly 4 newborn kittens. Obviously, I'm freaking the fuck out so I call my own mom to ask what to do. She suggests I surrender them to a shelter, since I did not have the financial resources to care for 4 extra newborn kittens, alongside an adult cat and an older kitten.
I ended up surrendering the mother cat and her kittens to a reputable shelter immediately, it's called the Oregon Humane Society. Now I raise my kitten, who I call Nutmeg and love very much. It just baffles me how much SHE loves me and how much she cares for me. Like, whenever I leave my studio for as long as 15 minutes, she meows at me like she's upset at me for leaving her and whenever I sit down she rubs her face on my face while purring then lays literally on my neck when I lay down or on my chest or lap when I sit down. She always rests one of her paws on my arm, and she generally does a lot of other weird and goofy things. This cat is amazing, but it's like wow, I didn't realize this cat was so comfortable around me. She's even comfortable being handled very closely by strangers, and I realize she wouldn't be fine with this unless she trusted humans a lot, which wouldn't be that way if it wasn't for me. She's like 7 months old now, has all her shots and is spayed. She drives me crazy, and definitely defeats the general convention that cats are aloof!
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2022.01.29 07:01 sharewithme Word of The Hour: dadhla
2022.01.29 07:01 JZRex3000 [FRESH ALBUM] Darko's Aufhebung - Spread Whispers Into BLAZING Dawns
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2022.01.29 07:01 TejiMandiApp The Golden Era Of Banks
| Banks are the financial and economic strength of a country. It is far more important than any other sector and should be well-regulated and capitalised. Historically, it has been one of the most stable systems globally, despite global upheavals. The Indian government has always made sure to promote financial inclusion.|
Ever since India’s Independence, the government as the owner and policymaker and the RBI as the monetary authority emphasised making banks accessible to the masses both geographically and socially. The motive was to make banks available in the remote corners of the country, and we continue to do the same even today. Digital banking has helped people enormously and changed the scenario of the banking sector. Let’s read about this sector in-depth in this Saturday Spotlight article.
Shift In Emphasis
In the last five years, the banking sector has only gotten more digitised. There was a time in the ancient age when lending was a job that only the elite groups would do. And several hundred years later, everyone is borrowing and transferring money with just a click. Digital banking has made life easier, but rapid growth calls for technological advancement. While net banking is catching pace, so are new concepts of lending and borrowing. For instance, Buy Now Pay Later (BNPL) is the newest entrant that’s getting popular. BNPL is expected to surpass credit cards by FY26 and is expected to grow 15x.
Unified Payments Interface (UPI) platform has miniaturised ticket size and exploded the volume of transactions. IBEF points out that in October 2021, UPI recorded 4.21 billion transactions worth $104 billion. Meanwhile, India’s foreign exchange reserves reached $642.20 billion as of October 29, 2021. With further usage of UPI, there will be a time soon that digital payments will exceed the foreign exchange reserves.
On a side note, during COVID-19, the banking sector helped people with loans, EMIs, net banking services etc. It stood strong in 2020 and 2021. Former RBI Governor Raghuram Rajan stresses the fact of financial inclusion for sustainable growth of the banking sector. He says that bankers should not just focus on large borrowers but also keep the bottom line in mind. As per him, Aadhaar Enabled Payment System will go a long way. India is building the system steadily but we are not there yet.
The banks suffer from unpaid debt massively, and the government suffers in the end. Commercial banks are highly regulated, but public-sector banks (PSBs) are not quite so much. In 2022, the government’s agenda is to privatise PSBs. This year IDBI Bank is expected to be privatised. One may ask why only PSBs and not private banks? Well, that’s because private banks have posted healthy growth and have shown a reduction in bad loans. Meanwhile, PSBs are loaded with bad debt, which stands as a bottleneck for the Finance Ministry. Disinvestment of two PSBs can garner about Rs 1.75 lakh crore to the government. An amount that can be used in other schemes to help financial inclusion.
Government think-tank NITI Aayog has already suggested two banks and one insurance company. Central Bank of India and Indian Overseas Bank are likely candidates for the privatisation, but the Cabinet has not decided on it yet. The centre is busy with the strategic sale of IDBI Bank this year.
Stock To Add In Your Watchlist
Large banks are far better placed than mid-sized ones. Private banks, especially HDFC Bank, is better placed than the rest of the players, as it is gaining market share at a faster pace. The mid-sized private banks will take more time to normalise the credit cost.
In the December 2021 quarter, HDFC Bank reported net profit growth of 18% YoY (year-on-year) backed by a decline in bad loans. The net interest income climbed 13% YoY. The provisions and contingencies declined 12% YoY while asset quality improved. The overall earnings of HDFC Bank were healthy. The valuations are also cheaply available at this point.
What Lies Ahead?
Banks are not the only source of lending money to the people, there are fintech and investment firms coming into play too. Banking services will soon be fully available on non-bank platforms like Paytm, Google Pay, Amazon etc. The craze has already begun. Thanks to RBI for regulating and monitoring the space but digitisation is catching pace like a wildfire.
The coming years will be disruptive in banking, but this can be a sort of ‘golden era’ for strategic decision making. The banking sector will further upgrade its technology infrastructure and enhance customers’ experience. By 2025, India's fintech market is expected to reach Rs 6.2 trillion (the US $83.48 billion).
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2022.01.29 07:01 Godzilla_69_420 not supporting any anti-jesus stuff
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2022.01.29 07:01 my-user-account 🚨
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2022.01.29 07:01 sharewithme Word of The Hour: parla
2022.01.29 07:01 jgb75 Those who work late hours at lonely diners or convenience stores, what the weirdest or creepiest thing you’ve ever witnessed?
2022.01.29 07:01 bassnbrats Où peux-je trouver une palette en bois?
Bonjour, je voudrais devenir full hipster et transformer une palette en bois en une décoration de mon flat. Avant de déménager en France, j’avais l’opportunité de demander le supermarché chez ma ville de me donner une en gratuit. Je voudrais faire de même à Paris, mais je ne sais pas trop si c’est possible. Est-ce qu’il y a quelqu’un qui peut me suggérer un magasin/épicerie/boutique qui rendent ces palettes jetées ?
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2022.01.29 07:01 New-House-1165 Girl doesn’t like me cause I’m not white. I’m Hispanic. She said I wasn’t good enough. So I left her. Was this the best thing to do?
2022.01.29 07:01 ghostboy2015 I opened God of War on Pc and was greeted with the greatest chest I have ever seen in a video game and I've played Dark Souls
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2022.01.29 07:01 Then_Light_3991 Eternals has the biggest mcu Movie Debut on Disney
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2022.01.29 07:01 occasionaldrinker Most pit bull owners are trash
The type of people who put 2-4 pits in the backyard with a shitty rotting wooden fence that's falling apart. Or the type of people who open the door with the pits right by their legs so they can get out. The pits attack the neighbors/pizza delivery drivers/plumbers/landscapers/ups/fedex/dhl/usps. The scumbag fucking owners blame the victim when they chose to own a fucking shit bull and not fucking secure it. Fuck you.
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2022.01.29 07:01 standvi Whoever just sold you're a pussiooooo!
2022.01.29 07:01 FreeTheLifers Ciryl Gane the only guy on earth to smile before figthing Ngannou
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2022.01.29 07:01 chairbornebg Международната изложба "Арт Базел" в Хонконг е отложена за май 2022 г.
2022.01.29 07:01 sharewithme Word of The Hour: আলোচনা কর
2022.01.29 07:01 pogo_polar_bear Milkshakes in the city centre
2022.01.29 07:01 Difficult_Aspect_868 Looking For Scholarship
Looking For Scholarship!!!!
Any cut Will do!! Polygon wallet READY!! 0xDb3C4b3D5a8787EC30aD0445d913FB8366c7dA37 Already rented last few days (shared profit) 3 slots available Have Matic balance for gas fees DM me anytime
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2022.01.29 07:01 BoritoGaming Lych normal no Mk
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2022.01.29 07:01 sharewithme Word of The Hour: raspraviti
2022.01.29 07:01 Ill-Heat279 Help Me Find Jordan 1 Neutral Grey Under 350 Yuan
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2022.01.29 07:01 Charged_up_Panda Everyone seems to have flaked out on here? Anyone up for a in depth convo?
2022.01.29 07:01 chairbornebg Ердоган назначи нов министър на правосъдието на мястото на подалия оставка Абдулхамит Гюл
2022.01.29 07:01 sharewithme Word of The Hour: habla