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26 January 2018 @ 04:40 am
Hello LJers!

I've friended several new people today to reconnect me to one of my favorite things about LiveJournal, the *people* themselves. I love the clever ways people use their LiveJournals. I love reading journal entries. I love how distinct and personal each LJ is, and I love the kinds of people it attracts!

I am looking forward to getting to know my new friends better.

Have a wonderful Friday! xoxoxoxo

Love & light,


Reasons Why Cash Is King for Businesses & Individuals

businessman driving car?

“Cash is king” is an age-old saying often used to explain the failure of both businesses and consumer households. Without the proper amount of cash on hand, both of these entities can run into major trouble, and even be forced into bankruptcy.

Businesses must have cash on hand for various reasons, such as investing in new infrastructure and dealing with unexpected expenses. Moreover, a business’s cash flow is often cited as a key factor in its potential for long-term success. A company may have all the revenue in the world, but without the ability to generate cash, it can easily fail.

The same can be said for consumers. People often wonder where to put their money and immediately look to stocks, bonds, or their 401k. While it’s essential that a portion of your money grows for retirement, a new house, or a college education, it’s just as essential to keep money in liquid, easy-to-access investments that are not subject to marketplace swings or losses. Such investments not only include checking, savings, and money market accounts, but also cold, hard cash.

On that note, let’s get into some of the key reasons why cash is so important for both businesses and individual consumers.

Why Businesses Need Cash

Many business analysts state poor cash management practices as the number one reason why businesses go bankrupt. Here are some of the key advantages of cash for any business:

1. Cash Flow
For any company to survive, cash flow is the single most important financial factor. A company could have fantastic revenue, reasonable expenses, and significant income, but if its financial operations are not designed efficiently, it could still have negative cash flow.

And without positive cash flow, any company, no matter how promising the business model, will go bankrupt. Of course, if a business has just been launched, it may be able to endure negative cash flow in the short-term in hopes of achieving long-term success. But eventually, any company must focus on creating positive cash flow. Without it, a company will not even be able to accomplish the simplest of tasks: paying its monthly expenses.

2. Capital Expenditure Investments
To grow, a company often will need to invest in factories, real estate, machinery, or technology. These are typically one-time costs that require significant funds. Without cash on hand, a business may not be able to make these necessary investments and, as a result, may never be able to experience company growth.

Sure, a business can take out a loan, but even a loan will generally require a significant down payment, which will in turn require that the company have access to cash. Loans also come with interest rates that can further eat into a company’s bottom line.

3. Company Acquisition
One popular way for companies to expand is to acquire other companies, either within their niche or as a way to branch out into new areas. Consider these real life examples: Disney and Pixar, Exxon and Mobil, and eBay and PayPal. All of these acquisitions have one thing in common – cash. Without the necessary cash, these companies would never have been able to jump on the once-in-a-lifetime opportunity to buy a valuable company at a reasonable price. It is acquisitions like these that do wonders for any company’s growth potential.

4. Dividends and Share Repurchases
Two key ways that public companies reward their shareholders is through dividends and share repurchases. Dividends are a fantastic way to put money back in the shareholder’s pocket without forcing them to sell their ownership. Share repurchases are an excellent way for management to express its confidence in the company’s future growth potential and, in some situations, to signify that it feels its shares are undervalued on the public market. By instituting a share repurchase plan, each remaining share will become more valuable. However, neither dividends nor share repurchases would be options for a public company without cash.

5. Survival During Down Economies
Every company is going to have periods when things are not running at full potential. Consider a global recession that eats into a company’s sales. Without cash on hand, that company would be forced to drastically downsize its employee operations and may even have to declare bankruptcy in order to pay off its fixed expenditures. With cash, the company will be more flexible and better able to survive the downturn.

6. Emergency Preparation
Like individuals, businesses face emergencies where they need to pay expenses right away. These include legal fees and unexpected costs associated with natural disasters. Since these fees are often not built into a company’s budget, businesses must have access to the necessary cash should such situations arise. This is essentially the equivalent to an individual’s emergency fund.

7. Cuts Transaction Costs
Small businesses need to keep their expenses as low as possible. One way to do so is to avoid electronic transaction systems including services like wire transfers and PayPal, which often charge excessive fees. By paying with actual cash, businesses can cut back on these fees, which can significantly reduce their costs and increase their bottom line profits, leading to…more cash!

8. Helps Businesses Expand in the Absence of Loans
Many small businesses have had to learn the hard way that lenders are becoming more thrifty with how they loan money. If a business has cash available, it can better take advantage of opportunities to expand and make important acquisitions – options that may otherwise not be available in the absence of loans.

9. Pay Bills Faster
Particularly for smaller business, cash can be essential for paying bills. Not only do some creditors only accept cash, but other forms of payment can take longer to process, leading to unnecessary late fees. In those cases, paying in cash is the preferred method.

accountant verify saving account book statement

Why Individuals Need cash

While cash is essential for the survival of any business, it is also extremely important to the individual consumer and household for a variety of reasons:

1. Liquidity
A stock can quadruple in value, but you can’t use it to pay your rent. A 10-year treasury bond provides a much higher interest rate than one with a six-month maturity, but your money is tied up for 10 years (assuming you bought it when it was first issued). CDs also pay interest rates, but you’ll face penalties if you withdraw your money too soon.

The advantage of cash is that you can spend it however and whenever you want. You don’t have to sell shares when the market is down, CDs or bonds before they fully mature, or wait for anything to clear.

2. Risk of Loss
What do stocks, bonds, gold, and Barry Bonds trading cards all have in common? They are all non-liquid investments, meaning their worth isn’t easily accessible, and they can decrease in value.

For example, you need to sell all of these items for cash before you can use the proceeds. This process can take time and the price you sell for is subject to whatever the market will bear. In other words, if now is not a good time to invest in bonds, you’ll either have to wait for a good time before you sell yours, or sell low enough so that a potential buyer will be interested. Because you are at the mercy of the market, these investments can lose value.

Moreover, in economic times of volatility, the likelihood of such losses rises substantially. Thus, while investing should be a part of your long-term financial plan, don’t underestimate the stability and value offered by cash. Cash, unlike the best of stocks, will maintain its value even during a stock market crash.

3. Emergency Reserves
Situations where you may need a reserve include medical or dental emergencies not covered by health insurance, damage to your home or vehicle, and possible legal issues. Having physical cash on hand or money in a checking account allows you to pay for unexpected expenses without reaching for a credit card and incurring high interest debt.

4. Ability to Make Large Purchases
Increasingly, cash is becoming necessary for larger purchases like a home or car. Not only will cash give you a leg up on other potential buyers for your dream home, but even if you take out a loan, lenders are beginning to require higher down payments. Without the necessary cash on hand, you may not be able to make that important purchase.

5. Investment Flexibility and Security
Holding cash can indirectly protect market investments by giving you the peace of mind to not sell them during bear markets. If you have a cash reserve, you won’t feel dependent on market investments to pay for daily living expenses. Another advantage is that if an investment opportunity presents itself, you have the means to immediately invest. Without this, you would either be forced to sell shares of other investments, perhaps at a time when the market is down, or forgo the investment opportunity altogether.

6. Cash-Only Transactions
Some businesses, such as certain restaurants and taxis, will not accept credit cards, debit cards, or checks. Many small retailers also issue a surcharge on small purchases. Carrying cash can simplify your life as a consumer and protect you from paying extra fees.

7. Hackers Remain a Threat
Hackers have been a significant threat to investors for years. Financial institutions such as PayPal and Citibank have even been targets. Give yourself peace of mind and keep some of your money in a safe where it can always be accounted for.

Given today’s technology wars, it just makes sense to have a physical, stable investment that isn’t subject to the threat of hackers, identity theft, or other potential manipulation of electronic information. That way, if someone steals your passwords or hacks into your accounts, you’ll have available cash to pay for everyday expenses until things get sorted out.

8. Deflationary Periods
During a deflationary period, you have to worry about banks failing or stocks and bonds losing value. Luckily, there is no such worry with cash, which will increase in value in a deflationary period. By having some cash on hand, you can ensure that you will enjoy at least some gains in your portfolio should a deflationary period take hold of the economy.

9. Avoid Interest and Fees
Taking out a loan or running into debt on your credit card will force you to pay high interest rates and fees. By sticking with cash, you not only avoid hurting your credit score, but you know you won’t have to pay an amount above and beyond the initial price of your purchase. You also free yourself of the stress associated with making monthly payments on different purchases and credit cards.

10. Costs May be Higher than Expected
One of the common problems consumers face is that estimates for large projects are often higher than expected. For example, you may want to build an addition to your house and your contractor estimates the project will cost $3,000. So you take out a $3,000 loan, but the project takes longer than expected. It eventually costs an extra $500 and you may not be able to wait for another loan to be approved. With a few hundred dollars of available cash, you will be able to make the necessary payment.

confident businessman work young man smart

Final Word

Whether you are a business or an individual, make sure you prioritize the importance of cash. For a business, its availability is essential to not only avoid the possibility of bankruptcy, but also to take advantage of various expansion and growth opportunities. As a consumer, cash represents one of the safest investments possible while preparing you for uncertain times.

What are your thoughts on cash and its importance to both businesses and individual consumers?


I have been actively seeking fan fiction from "the good old days", meaning any show that's not currently on - whether that be a two year old show or a 40 year old show, and I've fortunately had a little bit of luck!  Back in the "Golden Age of Fan Fiction", making individual free websites to host your stories was all the rage, and there were ENDLESS stories to read.  Now, with the loss of homemade fan sites and people deleting and purging their social media networks left and right, fan fictions get lost, never to be recovered.

Fortunately, I'm good at finding the corners of the Internet where some archived fan fiction remains.  Many fan fiction gems are still hosted on message boards and forums, and Yahoo Groups.  I have compiled a list of my favorite fan fiction resources.

More Updates to Come!!
Last Update on 3/9/19

Fan Fiction
(Fanfics in all fandoms)

Small Fandoms Fest LJ
Het Reccers LJ

Het Fic Finders LJ
The Fanfiction Archives LJ

Alias Fan Fiction

SydneyVaughnFanfics Yahoo Group

Eureka Fan Fiction

Eureka Gazette LJ
Eureka FanFiction Finder LJ

X-Men Fan Fiction

Logan and Marie LJ
Wolverine and Rogue LJ
Dead Dolphin and Flogged Horse (DDFH) Yahoo Group
WRBeta Yahoo Group

White Collar Fan Fiction

White Collar Fan Fiction LJ
Peter and Elizabeth LJ

Current Mood: accomplishedaccomplished
The 26th round of seasonal_spuffy, a Spuffy stuff creation&appreciation party, will run for three weeks from Thursday, May 2, until Wednesday, May 22, 2019.

SITES. For this round, you can post here on LiveJournal or in our Dreamwidth community, or both as you prefer! Links to all entries will be available during the round on both sites and also on tumblr and Facebook. We will post some information on Elysian Fields and BuffyForums, as well.

THEME. Our theme this round will be Dark Carnival! Thank you to rahirah for the suggestion! Props also to garnigal and javajunkie247, whose themes put up a good fight in the poll, and thank you to everyone else for suggesting and voting. As always, creators are free to interpret the theme however they want or do something else altogether.

SIGNUP. You may sign up for a posting day of your very own by leaving a comment below. (Logging in is not necessary for that; if you don't see the comment button, keep scrolling.) Posting dates are available on a first-come, first-served basis, but days can be shared once enough people sign up. We're also offering some free-for-all days on which anybody may post without signup, as long as they do it the Seasonal Spuffy way: May 6, May 12, and May 18–19.

Here's our SCHEDULE:
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Plan to create an original, never-before-posted Spike/Buffy fanwork to share with the community! :) We never met a medium we didn't like. Here's an incomplete list of things people have posted on Seasonal Spuffy to general acclaim: fic, drabbles, drawings, playlists, poetry, manips, mood boards, wallpapers, WIP chapters, artwork resources, icons, comics, fanvids, maps, magnetic poetry kits, puzzle games, polls, podfic, Other Art... you get the picture. Anything goes. For the few formats of fanworks that are impossible to get into a LiveJournal/Dreamwidth post, posting a link is fine.

Please check the rules before you begin. Most are fairly standard, but be aware that we don't allow all-human AUs. All-penguin AUs are enthusiastically welcomed.

Have fun! Any questions, feel free to ask.
09 March 2019 @ 05:16 am, reposted by paradisekendra
I have still to watch this, but thank to dustydees for the cap file.  I can't help but be struck again by how much Tom talks with his hands.  
Enjoy, snag and please credit.

Photobucket Photobucket Photobucket Photobucket Photobucket Photobucket
Photobucket Photobucket Photobucket Photobucket Photobucket Photobucket

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Current Music: Safetysuit - What if
09 March 2019 @ 04:45 am, reposted by paradisekendra
Cast Related News
kamiki_seto has a link to the un-aired episodes of Ed Quinn's cancelled show 'The Beautiful Life' on Youtube.

Eureka was one of the featured fandoms in crack_van during December! gwynevere1 put together an overview of the fandom, and you can find her recs here.
starks_lab has up a Secret Santa Master Post.
fanficonestop is a new one-stop fanfiction stop for all fandoms.
Yuletide's New Years Resolution Challenge has been opened for 2010! You can find a list of the Eureka prompts here, although you'll have to scroll down.

Butterball Rising (Ensemble, PG-13) by jeff_morris
Ten Second Tales (Ensemble, various crossovers, G) by jeff_morris
Still (Allison/Nathan, Allison/Jack, PG) by blackmamba_esq
Bedroom Debate (Allison/Jack/Nathan, NC-17) by gin200168
Home (Allison/Jack/Nathan, PG-13) by kamiki_seto
Family Traditions (Allison/Jack/Nathan, PG-13) by szandara
Happy Feelings (Jack/Nathan, PG-13) by fai_dust
Happy Holidays (Jack/Nathan, PG) by bernardakins
Celestron 3000 (Jack/Nathan, Zoe, PG) by clarkoholic
Jack Makes Great Ham (Jack/Nathan, PG) by clarkoholic
Rearrange Us (Jack/Nathan, PG-13) by enigmaticblues
Testing New Variables (Jack/Nathan, R) by gin200168
Present Tense (Jack/Nathan, PG-13) by kmoaton
The Way You Look Tonight (Jack/Nathan, PG) by kristories
Fix You (Jack/Nathan, PG-13) by molleo
Hey, Jealousy (Jack/Nathan, PG-13) by molleo
See You Again (Jack/Nathan, PG-13) by molleo
Chilling (Jack/Nathan, NC-17) by outsideth3box
Krampus Day (Jack/Nathan, PG) by serene_quill
Prologue of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 1 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 2 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 3 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 4 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 5 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 6 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 7 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 8 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara
Part 9 of "Studies in Hydrodynamics" (Jack/Nathan, Allison/Jack/Nathan, NC-17) by szandara

These are the stories written for this years Yuletide, which are hosted at AO3:
Live: On Mars (Fargo, Zane, Henry, PG-13) by Mimm
Let it Snow (Jack, Ensemble, PG) by flyakate
It's Just Another Day (Fargo, Jo, Jack, Henry, G) by lds
Incident Report (Jo/Zane, Jack, Allison, G) by HopefulNebula
Talk To Me (Jo/Zane, Allison, Fargo, Jack, Vincent, PG-13) by Omorka
The Blackest of Fridays (Fargo, Nathan, G) by CFukurou
To Serve and Protect (Jack/Nathan, PG-13) by crysgen78

8 icons by gallicka

trailingwolf is looking for a Jack/Hood story that lead into Jack/Nathan.
jawbreak06is looking for stories from an outsider's point of view on Eureka.
lt_spis looking for Jack/Jo fic or vids.
08 March 2019 @ 08:00 pm
This Tollie ‘one shot’ is strictly fluff and takes place after Tess and Oliver meet on the island, but before they see each other again in Season 8 of Smallville. Enjoy!

Banner by Hana

Summary: Tess falls asleep after lovemaking, but Oliver isn't tired yet.

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This is NOT my fan fiction.
This is a repost of one of my favorite Alias fan fictions.

: alikona
Email: alikona727@yahoo.com
Distribution: Cover Me, Allies, Omega-17
Rating: NC-17, baby. And this ain't no lovey-dovey smut, people.
Spoilers/Timeline: Missing scene from "A Dark Turn"
Summary: See Sydney thinking of checking Vaughn's computer in "A Dark Turn." See Vaughn have awkward moment with Will the next morning. See Sydney STILL suspicious of Vaughn at the Ops Center. Whuh? He slept over while she thought he was a traitor? What was *that* sex like?
Warning: Nothing too bad. Just some angry sex between two consenting adults.
Classification: Smutty angst.
'Ship/Pairing: S/V.
Disclaimer: Still not mine, damnit, no matter what the voices in my head say. Thanks to J.J. Abrams et al for the loan. Author notes and thanks at the end.

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27 February 2019 @ 09:23 am, reposted by paradisekendra
I was going to return to posting with a bit about this scene and song:

... but instead I felt moved to talk a bit more about my chronic fatigue and how I kind of lost February.

And then I decided, you know, if I'm going to battle despair in public, let's steal a meme from Last Jedi and fight for what we love, rather than against what we hate.

That scene is from Ant Man and the Wasp, a superhero flick from the Marvel Comics Universe. It's a cute song where Scott Lang (canon: the second Ant-Man who actually did get the costume by stealing it from Hank Pym.) is dealing with house arrest (no, not because he has a mystery malady - that would be House M.D. Arrest) trying to get right with the government so he can be part of his daughter's life more regularly - but he's forced to risk it all, to save a life.

But I also found myself fascinated with a relentlessly cheerful song I remember from the 70s. It had to be the 70s, right? The Reagan era DEA surely classified such songs as Schedule I - high potential for abuse, no known profitability medical value for drug companies. One line stuck out for me...

"We had a dream we'd go traveling together,
Spread a little loving, and then moving on..."

What a dream! Go to a place, spread some loving, then find another place, and do it again! Can you imagine a more wonderful dream? I don't mean a better dream *for you*, because dreams are personal (it's very hard to get someone to dream on your behalf, after all!). But for a person who can *have* that dream?

Seriously: can't you picture the world's surliest curmudgeon grudgingly admitting that, okay, for fools that have dreams like *that*, it's a pretty good dream, even if it's totally unrealistic. And that thought would come to them no more than 30 minutes after they harrumphed away the starry eyed idealist's iteration of the dream. Heck - if the curmudgeon's a gift giver, they might even donate some traveling stuff, not to pursue some cockamamie dream, but, you know, ":if you're going to be traveling off on some dumb fantasy, you might as well travel a bit (better/safer/etc.)."

I love how my brain sometimes pulls bits of music out of context to find delight. Today, I can also add the *next* line of the song, and my childhood recollection.

The song continues:
"...Something always happens whenever we're together,
We get a happy feeling when we're singing a song...."

Remember, I was, like, 4, when the Partridge Family came out (the song is the theme to the Partridge Family - and IIRC, the 3rd number 1 hit from a fictional band) but to that child's brain, the two parts to that line were completely independent, and stated
"this is one episode of a TV show, wherein something happened, because we were together" and
"by the way, we get a happy feeling when we sing a song."

Seriously: how many four year olds infer the episodic nature of TV, realizing that *something* must happen to create the episode, and that each episode must show one of those somethings? (I also realized that Snuffleupagus had to be real because *HE MADE DECISIONS*. We'd *see* him decide to wander off before Big Bird's friends came back to see him. A kindergartener was rocking Descartes! ("I think therefore I am" - something/one must be contemplating existence).

("Snuffleupagus?" An elephant/mammoth on the TV show Sesame Street. Initially, he was intended to be Big Bird's imaginary friend. Later, the writers realized that having adults constantly insist to a child that something real and visible didn't exist wasn't exactly *right*, so his existence was revealed. I nevertheless insist they'd already forced the issue by showing independent action and decision making.)

Another beautiful interlude happened when listening to "Ain't No Mountain High Enough." Talk about out of context - there's one bit about "since I set you free," and damn if it didn't make me cry. See, overblown "I love you, my sex/romance partner, and would do anything for you!" songs are a dime a dozen - cheaper, if you can find the collections of "almost big hits".

Ah, but songs that say "Hey, you, you *aren't* my sexytimes person, but I still care. If you needed me, there's no mountain I wouldn't climb, no valley I wouldn't cross, no river I would not ford, to help..."- well, they can also be a dime a dozen, especially because they don't tend to sell as well, *but* they're far more precious. Sex and romance are fine and wonderful but there's a deeper love that is more fundamental, and far more powerful (and empowering, IMNSHO).

Which brought me to the final bit of modern movie making I wanted to share, since I'm all over love today. I've come to a deeper appreciation of the Guardians of the Galaxy movies. They have the troubled family vibe ("You're not friends! All you do is yell at each other!" "That's right, we're family! We leave NO ONE behind! (pause) Except maybe you." Hands up for those who love a family with lots of yelling, but which knows how to close the circle when necessary!)

See, love isn't always as well appreciated or seen as strong, but in the second movie, there's this wonderful turnaround. It's a minor spoiler (not much worse than "oh, the good guys win, and it starts with...") so I'll put it behind a cut tag (I hope).

The setup is simple - Ego (the bad guy) is telling Peter (sorry, I mean "Star Lord") how to use the power that is his birthright. Peter can't figure it out, and Yondu mentions to him "you think I fly that arrow (Yondu's magical, nigh-invincible weapon) with my head, boy?"

That sets it up perfectly well, right? "Don't use your BRAIN, use something else!" Except...
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We value courage - the ability to do what's right, even when you're scared, because you realize there's something bigger than your fear. We don't always value love, which is one of the strongest motivations for courage.

I'm kind of glad that our stories are starting to talk about, and demonstrate, love a bit more. We need more talk about, thinking about, and use, of love. I don't know if anyone said it better than Jimi Hendrix: When the power of love is greater than the love of power, the world will know peace.
Okay, first off, I'm transferring this tutorial from my Tumblr to my shiny new LJ.  I made this tutorial because I've had some people tell me that they don't know how to take automatic screencaptures from their DVDs in KMPlayer without getting an error message, "Impossible to work at Superspeed Mode." One method is using VLC player, but that way is more complicated, so I'm gonna show you how to screencap DVDs from KMPlayer, which can be downloaded for free, here. :)

The Steps:
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Current Mood: boredbored