I am an Intro to Econ this semester and now that i’m finally paying some attention in class I am starting to make some rather bizarre realizations. For one thing, I have no idea how Economics works. That’s kind of a given. No one really teaches us about these sorts of things. They’re just concepts that we memorize in order to take the AP exam (some of us…). 

The second thing I’m noticing is that the economic decisions that the world seems to be making are kind of…. nonsensical? to me anyway? I still don’t get it entirely BUT why would I plunk my money in a bank,

  • where the bank gets to decide what to invest it in
  • where i get little to no return for my lending 
  • where i may or may not be able to access it for several years

Instead, it seems like a more rational decision to pay a little attention to the financial market and invest money directly in to stocks and bonds of companies. In that market, 

  • i decide who or what i fund and support 
  • i get all or most of the returns for that investment
  • i can buy or sell as i see fit in order to access my money

I think i understand the counter argument as well. 

  • a bank is a safer investment 
  • companies can go under- you’ll lose all your investment!

It is this fear that I feel stagnates the market, to an extent. Banks are a business like any other- they want to make money for themselves! Going through a financial intermediary results in less money going through the market. I would rather pay a financial adviser- whose job is to keep track of the market- to invest my money in to promising businesses than to fund a bank making random investments and paying me piddly. 

On the business side of things, a bank charges out the nose for any loans it makes. Banks make borrowing undesirable and incredibly detrimental to a business’s finances. By the looks of things at the moment (and my view of the financial situations should be taken with a MOUNTAIN of salt) it seems like taking the risk of investing in a business directly results in greater returns for the investor as well as less damage to the business. 

Economically inclined folks of Tumblr, is this accurate?

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  • #economics #investment #financial system #finances
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i dont think goosebumps books ever came into print i think they just mystically appeared in public school libraries one day already in mediocre condition

this sounds like a plot for a goosebumps book about goosebumps books

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895. Muggleborns wonder why there’s a large group of friendly, teenage ghosts around Hogwarts. They’re led by a funny boy with red hair and one ear who likes to joke around with Peeves, and he always says that they’re Dumbledore’s Last Army. 


nearly 9000 notes and nobody has pointed out that suddenly fred has lost an ear as well as george

It doesn’t matter when your soul is falling apart.

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Watch gingerhaze draw Nimona! The beloved web comic is coming to a bookstore near you in May 2015! Read Noelle’s interview with io9!

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Wonder not, Rufus, why none of the opposite sex
wishes to place her dainty thighs beneath you,
not even if you undermine her virtue with gifts of choice
silk or the enticement of a pellucid gem.
You are being hurt by an ugly rumour which asserts
that beneath your armpits dwells a ferocious goat.
This they fear, and no wonder; for it’s a right rank
beast that no pretty girl will go to bed with.
So either get rid of this painful affront to the nostrils
or cease to wonder why the ladies flee.

Catullus tells his friend to take a bath. (via uglymyfanwy
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