Financial Domination – The Misunderstood Fetish Joss Finance

Financial Domination, though often misunderstood, is both a valid fetish and a very powerful form of Power Exchange. It is often practiced on the fringes of the BDSM community.

To have a fetish of being financially controlled by a powerful Domme is in some ways similar to having a pantyhose or foot fetish; just that the object of the fetish is money instead of feet or an article of clothing. The individuals who participate in the fetish usually get excitement and in cases even arousal out of their fetish play; just as is the case in a number of other sexual fetishes. In cases of Financial Domination this excitement usually occurs when the slave gives money to the Owner; feeling powerless under Her control. In most cases the man will get an intense rush of excitement both when thinking of giving money to a Domme and when he gives Tributes. This excitement can last even past that point, lasting days after engaging in this fetish.

I say She and he, because usually the giver is a male, the receiver is a Female. While there are cases of Male Dominants participating in the fetish; it is extremely rare. Just like foot fetishes the Financial Domination Fetish is one where Females are usually considered superior; thus you would rarely find a woman serving a man in this manner.

The payment given is called a Tribute; and can be anywhere from around fifty dollars when strangers first meet to several thousand dollars as can be the case in well established relationships. Just like other Mistress/slave relationships, some Financial Dominants will form strong bonds with those who serve them over a long period of time. However, these relationships will be very platonic. While Financial Domination is a sexually charged fetish, that arouses and teases, most Dommes will not have any sex with their slaves, just as a Professional Dominatrix would not with Her clients.

Women that are participating in this Fetish are called Princesses, Queens and even Goddesses. Not only money is exchanged in this Power Exchange, in many cases gifts are given as well; which are usually purchased off a Wish list. Gifts are so popular because there is a heavy emphasis on spoiling and pampering the Female Dominant. Allowing the Lady to live a life of absolute luxury while the male struggles and suffers in many ways for Her is often a big part of Financial Domination. Time and time again he must surrender and give up, so She can live above Her means. There is a large contrast between how Owner and slave live within this fetish, unlike other BDSM relationships where there is more blending between the lifestyles of the two. After all, in Financial Domination She is a Queen and Goddess, and he is Her slave. Some Ladies specialize in ruination of the slaves, while others drain more conservatively and with care, knowing that a completely ruined slave is useless. However, the sheer amount of men who fantasize about being ruined by a beautiful and powerful Woman is staggering; however, it is to be kept in mind that for most men, it is only the fantasy of this that appeals to them, not the reality. Only in rare cases does one actually need and crave the reality of ruination.

This brings me to the next point. Those men who are into the fetish usually crave a fair amount of humiliation and exploitation; some prefer heavy forms of Domination that includes being ruined, while others like things mild and prefer to just spoil and enhance the life of their Lady; perhaps worshipping Her a little on the side. Most of the men participating in the fetish like to be called humiliating names such as piggy, pay pet, cash cow and even more degrading names. Some even like objectification and being ignored for days on end by their Domme. The relationships from the outside may not seem to have any sort of mercy or love attached to them, though some Dommes fiercely care for their pay pets; especially those who are with them long term.

Financial Domination is Power Exchange where the slave gives up his power and gives it to his Lady by showering Her with both money and gifts. After all, can it be hard to see how this could be such a strong form of power exchange? Money is the ultimate power in today’s society and most people consider a man’s worth to be tied up in his possessions and how much money he has. The less a man owns, the more shame and humility he feels; this is something that society has engrained in everyone’s brains. For many reasons money is the single best vehicle to accomplish fulfilling the desires of a slave. The slave gives up his money and possessions, thus becoming more vulnerable, and the Lady becomes more powerful through acquiring riches and material belongings. Most of those who participate in Financial Domination have both a strong money fetish, and many men who are into serving financially or being financially exploited also crave humiliation; in cases intense humiliation.

While most Financial Domination is practiced solely online; though a few individuals have been known to do it in Real Time too; in the forms of money exploitation, shopping sprees and various forms of humiliation. Face to face Financial Domination is very rare. Because it is mostly practiced online there is a great deal of individuals who get into the fetish merely for fast cash, and thus there has been a great deal of “fake” individuals getting involved on the scene lately; especially among the Ladies. This is unfortunate, but sadly a case in many things where the internet is the main medium.

This is a very dynamic fetish, but it is commonly misunderstood. One has to understand that everyone is wired differently, and human sexuality is not a case of black and white. We come in all different colors and we all like different things. While you may never understand Financial Domination completely, I hope my article helped you understand it better.

Goddess Anja Aurora

Why Getting $30,000 Personal Loans With Bad Credit Is No Lie

It is no surprise that the majority of people would consider the chances of securing a $30,000 personal loan with bad credit next to impossible. The sum is high and the perceived risk is too. So, what lender would agree to the deal? Well, the truth is that, with the right application, even this loan is attainable.

It is easy to look at the loan application at face value and reckon lenders would reject it. When it comes to traditional lenders, the likelihood is actually very strong, but the growth of online lending has opened up many niche markets – such as bad credit lending. Online lenders are willing to grant approval despite poor credit scores.

Their willingness is not rooted in foolishness, however. They are bad credit lending experts, offering a route to vital funds to those unable to secure affordable deals from traditional lenders. Lending a large personal loan to applicants eager to improve their credit ratings is not as risky as it seems.

Two Kinds to Consider

There are two types of personal loans available on the market: secured and unsecured. The core difference between them is the presence of collateral with secured loan, but the type chosen can have a big influence on the chances of getting a $30,000 personal loan with bad credit.

Basically, getting approval with a secured loan is much easier because it is backed up by collateral that can be used as compensation should the borrower default on the loan. With no collateral provided, income is the key hope to securing approval despite poor credit scores.

But there are problems with large personal loans, namely getting collateral that matches the value of the loan. It is no great problem when $1,000 loan is being applied for, but a $30,000 loan is a different matter. But if collateral can be found, the interest rate lowers and repayment scheme becomes more flexible.

How Cosigners Solve the Problem

There is a security option open to applicants that cannot find collateral when seeking a $30,000 personal loan with bad credit. A cosigner is not technically security, as he or she is not required to get involved unless the borrower becomes unable to make repayments.

A cosigner is effectively a guarantor, providing an assurance to the lender than the monthly repayments will be made. This is the best possible addition to a loan application since lenders only ever want to be sure of receiving the repayments on time. So, with a cosigner the chances of securing approval despite poor credit scores is extremely high.

However, there are conditions to the deal. A cosigner has to have an excellent credit history and have a large enough income to meet the loan repayments should that become necessary. But once the right candidate is found, securing the large personal loan becomes a probability rather than a possibility.

Your Credit Scores

A final issue to consider is your own credit score, and whether they can be improved ahead of submitting the application for a $30,000 personal loan with bad credit. The score, remember, influences the interest rate that is charged on the loan, which in turn influences the monthly repayment and its affordability.

Improving your score can see the interest rate lowered, thus helping to make the loan more affordable and the likelihood of approval despite poor credit scores improved. The only way to improve the score is to clear at least some of the existing debt.

Taking out a consolidation loan can accomplish this, with the right terms not only clearing the debt, but ensuring extra cash is freed up with which to pay the large personal loan.

Effective Financial Goal: The Five Characteristics Joss Finance

In financial management studies, an effective financial goal should have 5 characteristics which could be easily remembered as S-M-A-R-T. The following paragraphs explain all the 5 characteristics:

1) Specific

We might be thinking of being financially free but do you know what it takes? This goal is seems to be too general. Our goal needs to be specific so that we can focus particularly in each area of financial planning and easily to manage our own expectations. Specific goal normally has only one outcome.

For example, goal to invest RM200 per month in unit trust and accumulate at least RM2400 in a year; or spend within our budget every month. These specific goals are going to have different outcomes but when combined, they will ensure our cash flow to be healthy. When each specific goal is accomplished, we are getting nearer to financial freedom.

2) Measurable

We might be working very hard, but how do we know whether our goal is achieved? Therefore, our financial goals should be quantifiable.

For instances, we want to invest and accumulate RM50,000 in 2 years and the progress can be easily quantified by looking at our investment account statement.

In fact, we must be able to measure or review the progress of achieving the goal such as calculating our current net worth, debt-to-income ratio and reviewing, return-on-investment (ROI) and our current insurance policy. It is good if we can keep a journal and review our current planning.

3) Achievable

Many people are influenced by the ‘Law of Attraction’ and believe that ‘nothing is impossible’. Because of this, we’re tend to set difficult goals which require great effort. However, are these goals realistic and achievable? It’s important to know whether the goal is within our potential and logical norm.

For example, if your target is to achieve RM1 million in a year by only investing RM1000 per month in any scheme. How likely can these be achieved? In fact, such investment scheme will require very high ROI within a short duration and often comes with very high risk. You might lost your capital easily.

The most importantly, we should not stretch ourselves to achieve unrealistic goals. This is to avoid frustration over failure which could ended up in great disappointment.

4) Rewarding

We want to achieve a goal because want to get something in return or else nobody will work hard. While working towards goal achievement, we must be certain on the outcome to be achieved and it’s importance to our life. In fact, it must be meaningful and enjoyable.

For example, a man wants to invest his money to accumulate education fund for his son in 20 years. In the future, this goal will be rewarding because his son will be able to enroll into higher education.

However, the rewards could be in any form such as material, financial, relationship and spiritual.

5) Time-bounded

We need adequate time to achieve our goals. It could be short-term, medium-term or long-term, depending on the type of goals to be achieved. Timeliness has been an important aspect in life. Therefore, we should allocate a time frame to avoid procrastination. It will be good if we can set a schedule for everything to be done.

For instances, saving for retirement would require many years because it is a long-term planning and involved huge sum of money. Therefore, planning for retirement in a short-term (1 to 5 years) could be unrealistic unless someone is willing to have huge commitment on this.

In brief, time is priceless because it gives chances for development and create greater outcomes. Therefore, the wise man always said, ‘start early and stop procrastinating’.

Summary

An effective financial goal would always has these SMART characteristics; Specific, Measurable, Achievable, Rewarding and Time-bounded. This is to ensure that our goals are meaningful and get us closer to financial freedom. Good luck in your goal setting.

5 Tips To Consider When Playing Pokemon Vortex

Do you like playing pokemon vortex and would like to know the tips that will help you in being successful in the game? Here are some of the beneficial tips:

Train with A Cpu Player

If you are stuck with a weak pokemon you should train with a Cpu player which is a training account. The account has 6 pokemons that can’t attack. When training you should ensure that you defeat all the pokemons and you will greatly raise your points. You will also get a lot of money when you win.

Getting Legendaries

Legendary pokemons are extremely powerful pokemons. When you get them you will be assured of winning almost all of your battles. There are a number of ways in which you can get them. One of the ways is by catching them when playing.

The legendary pokemons usually appear at random areas on the map when you defeat all the gym leaders, champions and elite 4’s. After winning your battles you should be keen and identify the legendaries. When you notice a legendary you should be quick and catch it as soon as possible.

Getting Master Balls

Master balls are much better to work with than regular poke balls. While the master balls are much effective, the unfortunate thing is that many people don’t know how to get them. If would like to get the balls, here is how you can get them. You should start by right clicking on an Ultra ball and choose “Inspect Element.” You should scroll through the menu and find “Value=Ultra Ball.” You should double click on it and change the Ultra Ball to Master Ball.

Winning More Money

For you to continue playing the game you need money. There are a number of ways in which you can earn the money. One of the ways is by winning as many battles as possible. Here you need to ensure that you win against all the pokemons that you come across. Another way is by changing the Ultra Ball to Master balls.

Losing the Battle

If you analyze the situation and you find that you are about to lose the battle, you should flee. This way you will never lose a battle which will be good for you. If you are just starting out and you don’t want to lose a battle, you should battle training accounts.

Conclusion

Pokemon vortex is a great game when you play it correctly. For ideal results you should avoid following absurd tips that will drive you astray.

Financial Advisers Are Not All Equal! Joss Finance

There are several different types of financial advisers in the UK and, if you are currently looking for financial advice, it is important to you that you understand the main differences between them. Just as not all medical professionals are the same – there are paramedics, auxiliary nurses, nurses, GPs, registrars and consultants, for example – neither are all financial advisers the same!

Types of Financial Advisers

There are three main categories:

  1. Tied advisers, who usually work for a bank or an insurance company. They are only authorised to advise you on their own company’s products;
  2. Multi-tied advisers, who are able to offer advice from a limited set panel of companies;
  3. Independent financial advisers (IFAs) who will offer you unbiased advice from the whole of the market.

The Importance of Independent Financial Advice

IFAs differ from tied and multi-tied advisers, not only because they offer whole of market advice, but also because they do not represent a company – they act as the representative of their client, and it is their primary responsibility to act in the best interest of their client at all times. IFAs must also offer clients the option to pay by fee, rather than commission from the product provider.

Once an IFA has carried out a detailed fact find with you, so that he (or she) can fully understand your current financial situation, as well as your financial needs and objectives, he will go away and do some research to find the most suitable financial products for you. He will then present his recommendations to you at a follow-up meeting.

Qualifications

Minimum qualifications: All advisers giving investment advice must have the minimum qualifications of the Certificate in Financial Planning (CertPFS) or its predecessor the Financial Planning Certificate (FPC) from the Chartered Institute of Insurance (CII), or the Certificate for Financial Advisers (CeFA) from the IFS School of Finance.

Higher qualifications: By the end of 2012 advisers who wish to continue to give investment advice must have achieved higher qualifications – either the Diploma in Financial Planning (DipPFS) from the CII, or the Diploma for Financial Advisers (DipFA) from the IFS. Roughly one third of all financial advisers in the UK are currently qualified to this level already. The others are studying hard!

Certified Financial Planner: This is an internationally recognised qualification for financial advisers all over the world. In the UK it is awarded by the Institute of Financial Planning (IFP). To become a Certified Financial Planner (CFP) a financial adviser must first hold the DipPFS, or equivalent qualification, must have at least three years’ relevant financial services experience and must have worked on a case study to produce a detailed financial plan of a sufficiently high standard to be passed by the IFP examining board. They must be members of the IFP, abide by a strict code of ethics, and commit to continuing professional development (CPD).

Chartered Financial Planner: To become a Chartered Financial Planner – the pinnacle of the financial planning profession – an adviser must be a member of the Personal Finance Society (PFS), have a minimum of five years’ relevant experience and commit to continuing professional development. He or she also has to gain the CII Advanced Diploma in Financial Planning, which is the highest qualification currently awarded by the CII to financial advisers. The CII operates a points system for its Financial Services exams. For example you must achieve 70 points to be awarded the Certificate in Financial Planning and a further 70 points to be awarded the Diploma in Financial Planning, making a total of 140 points. However, to be awarded the Advanced Diploma in Financial Planning the candidate has to gain 290 points – more than four times the minimum requirement for financial advisers!

CFPs and Chartered Financial Planners are the elite of the financial planning profession. They have demonstrated, not only advanced technical knowledge and financial planning expertise, but also an exceptionally high level of commitment to their clients by the time and money they have spent in attaining their qualifications to enable them to give the highest level of advice.

Do financial advisers’ qualifications matter? Certainly there are many excellent advisers who do not have higher qualifications (yet). However, if you had a serious illness, you would expect your doctor to refer you to a highly qualified and experienced consultant would you not? CFPs and Chartered Financial Planners are like the consultants of the financial planning profession and the good news is that, unlike in the medical profession, you can consult them directly.