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In this video, we’re going to reveal the apps that pay you to install. By using these apps, you can earn money while you’re having fun – and that’s a powerful strategy for success.
WealthBuilding is all about helping you build wealth over the long term. We provide you with powerful financial advice and tools so you can achieve financial freedom. Our goal is to help you achieve your financial dreams, one step at a time.
GetRichSlowly is a resource for people who want to achieve financial security and prosperity over the long term. We provide you with strategies and tips to help you save money and invest for the long term. We also offer exclusive WealthBuilding bonuses and advice, so you can reach
Thanks for tuning in to [Wealth Manifesto] – where we empower you to achieve lasting financial success! #WealthBuilding #FinancialSuccess #GetRichSlowly #LongTermInvesting #FinancialFreedomTips
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Thanks for tuning in to [Wealth Manifesto] – where we empower you to achieve lasting financial success! #WealthBuilding #FinancialSuccess #GetRichSlowly #LongTermInvesting #FinancialFreedomTips
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Four years ago, the online gambling landscape looked very different compared to the thriving scene we see today. In Europe, only 5% of licensed online casinos supported cryptocurrency as a viable banking method.
These pioneering online gambling platforms had restrictions on using cryptocurrencies. Instead of allowing gamblers to use their digital assets directly, they required conversion to the casino’s chosen currency. This resulted in complications, especially related to the rapid fluctuations in cryptocurrency valuations.
Initially, casinos were hesitant to adopt cryptocurrencies due to concerns about their volatile nature, regulatory uncertainties, and potential security issues. However, as cryptocurrencies gained popularity and demonstrated their potential, many casinos acknowledged the need for change.
As the digital currency market matured and security protocols improved, more online casinos began to incorporate crypto options. This expansion included not only the number of platforms accepting cryptocurrency deposits but also the broader acceptance of these assets as gambling tokens.
There are several key advantages that cryptocurrencies bring to the table.
Cryptocurrency transactions require minimal personal information, offering greater privacy compared to traditional payment methods. Additionally, the decentralized nature of cryptocurrencies ensures higher security.
Cryptocurrencies offer a cost-effective and fast alternative to traditional banking methods, especially for cross-border transactions.
Cryptocurrencies enable online casinos to transcend regional banking regulations and reach a broader audience, especially in regions with stringent banking limitations.
Integrating cryptocurrencies presented challenges due to rapid valuation shifts and legal grey areas in many jurisdictions. However, the increasing number of online casinos overcoming these challenges reflects their commitment to diversifying payment options and enhancing the user experience.
From a mere 5% acceptance rate to the increasingly mainstream role of cryptocurrencies in online gambling, the journey has been transformative. The fusion of the digital currency world with online casinos brings convenience and the promise of a brighter, more inclusive future in gambling.
Thanks for tuning in to [Wealth Manifesto] – where we empower you to achieve lasting financial success! #WealthBuilding #FinancialSuccess #GetRichSlowly #LongTermInvesting #FinancialFreedomTips
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Talks of a coming recession in 2024 continue. Will a recession occur? A former president of the Kansas City Federal Reserve Banks puts the odds at 65%. If so, will it be mild or severe? Economists differ on this prediction. How long will it go on (Forbes reported that the average length of a recession since World War II is 10 months)? So, a recession may or may not occur, it may or may not be severe, and it may or may not last the usual length of time. Given this uncertainty, it’s important to be prepared. One way to do this is to understand where your company stands now. With the year drawing to a close, pause to reflect on what occurred this year…and what you’ve learned from it…so you can plan for the future.
Each business is unique, so it’s impossible to generalize what lessons should be learned. But for everyone: You don’t want to repeat mistakes; you do want to capitalize on successes. UCONN’s ITS Project Management Office offered this advice with respect to projects, but it can be extrapolated to all business operations:
“Lessons learned should not just focus on the mistakes that were made; they should also document the good things that happened in the project. Otherwise, all of the processes and decisions that helped the project succeed might be lost and that would be just as bad as forgetting about the mistakes that were made.”
Take a close look at what transpired during 2023. Use your accounting software to create financial statements—a P&L, a net worth statement—that you can examine. Look over your calendar to remind you of events that transpired this year—sales you’ve held, trade shows you’ve participated in, etc.
Inventory your mistakes and successes. Did you launch a new product or service that failed or succeeded? Did you host an event that flopped or exceeded your expectations? Did hire too few (or too many) employees; did one or more employees not work out? Analyze what when wrong or right so you can avoid problems in the future while being able to replicate successes.
Review your numbers. Where do you stand now? Has 2023 been a good year? A bad year? Maybe your numbers suggest you need to raise prices, cut expenses, eliminate certain lines (e.g., an unprofitable item or service).
With the data from 2023 on hand, you can move smartly forward into 2024. December is National Write a Business Plan Month, and with good reason. It’s vital to have an updated business plan so you can begin the new year with correct metrics. Find valuable assistance in creating or revising a business plan from BPlans.com, including free plan templates, one-page business plans, and articles to help you. SCORE explains why you should update your plan and offers a template for a startup plan that can be adapted for your needs.
To best recession-proof your business, fully understand what’s happened thus far and prepare for the coming year.
As the Buddha said: “No matter how hard the past, you can always begin again.” Do it smartly!
Find more ways to recession-proof your business included in earlier published blogs.
The Silversmiths is one of many financial literacy stories by Doug Weller. It tells the story of what happens if you forget to pay yourself first when trying to save your gold coins.
Financial literacy stories can be powerful for illustrating the lessons of financial freedom. In this series, in these financial literacy stories, you will meet explore a familiar fairy tale world with remarkable characters and magic. There’s action, and drama, and love, and sometimes a happy ending. Enjoy all these financial literacy stories.
Stay to the end of the story to read a little about the lessons contained with in this story. You can find more Financial literacy stories here.
Now, if you’ve got some popcorn, and the dog is sleeping at the end of the bed, let’s begin…
There once was a lad called Jacob, who loved to work hard for the only silversmiths in the village.
…
With vaccines flowing globally, case numbers down, mortality numbers improving, and YOY economic indicators screaming “BOOM!” the stock market’s ‘recovery’ stocks are must have holdings for all investors.
Airlines? Cruise ships? Banks? Restaurants? Oil companies? Take your pick and buy!
Doesn’t matter what the business was, if it was hurt by the pandemic, then it’s rallying now.
So that’s what this DRI article is about right?
Nope.
Today we’re looking at a company that sells masks and other PPE.
Well we’re not exactly known for timing the market around here. I mean, we bought a home builder in Calgary right when Alberta real estate is seeing its first real declines in years. We also passed on an oil company right before the 2021 oil boom started (it’s up about 200% in the 6 months since I wrote that article by the way…swing and a miss).
But one thing we do like doing is going against consensus. So while the rest of the world starts to turn its back on the ‘pandemic stocks’ like APT, I’m ready to go wading through the swamp to see if there’s anything I like.
APT is a small manufacturing company headquartered in Markham Ontario that manufactures and produces various disposable protective equipment such as face shields, masks, shoe coverings, gowns, frocks, and coveralls.
Their 10-K also says they make ‘bouffant caps’ which I have to assume is one of these:
Hmm. Ok…Google tells me a bouffant cap is significantly less sexy…
Ok…well let’s not hold that against them.
APTs business was anything but exciting prior to 2020.
Before the pandemic the demand for personal protective gear was boring and predictable and so were the company results. Between 2015 and 2019 company earned a very predictable 2-4M per year with sales not really fluctuating at all YOY.
That means at today’s 130M valuation the company is extremely expensive compared to its history.
As mask mandates start to lift and many countries globally start to move on from their pandemic control efforts, demand for APT’s products is very likely to fall back to pre-pandemic levels and take most of the profitability of the company with it. If that happens the stock price has a long way to fall from the lofty valuation of 130M.
In addition to that, the market for PPE got extremely competitive in 2020 as many entrepreneurs saw overwhelming demand for PPE meet very limited supply and decided to throw their ‘bouffant caps’ in the ring and try to become PPE suppliers themselves.
My history in supply chain management tells me that it’s very likely that there is a glut of supply coming at in PPE for years to come and that is going to directly impact APTs ability to maintain margins.
There are actually several reasons to believe that the future for APT is going to be significantly different from its boring past.
First and foremost it is very likely that although our societal obsession with PPE will be toned down in years to come, that masks, gloves, and in some cases face shields, are here to stay for many professions.
In addition to that there is a very real possibility (although scary to think about) that the vaccines don’t end up being a panacea for all things COVID related and that we continue to have many PPE requirements for years to come.
Next there is the inevitable government changes to come as a results of the pandemic. One of these is no doubt a concerted effort by local governments to strengthen their local supply chains with respect to necessary public safety equipment (like PPE).
We all remember when 3M cut off Canadian shipments of N95 respirators and our Prime Minister (and Premiers) vowed to never leave us dependent on others for that type of equipment again.
Many other governments made similar pledges and APT could very well benefit should some of those programs materialize in the near future (keep in mind APT currently produces most of its products in the US).
Lastly there is APTs pristine balance sheet. The company has 23M in cash (most of which it made last year) and almost no liabilities (and no debt) meaning it is primed to invest where it sees opportunity or return cash to shareholders if that makes the most sense.
I do believe that the future looks more like 2020 than many of us care to admit (with respect to infection control, PPE, and masks) and although I really think that APT has a great deal of potential to outperform its history based on that I’m not ready to wager in their favour.
There are lots of unknowns including how the competitive landscape has changed for APT, how governments will approach regulating suppliers like APT, and also what the future course of the pandemic is.
With all those question marks out there I’m happy to sit and wait for a lower price for APT and maybe buy a little more of this guy while I do.
Did you enjoy this article? Have a look at some of our other recent posts
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The war, triggered by the deadly Oct. 7 Hamas attack on southern Israel, has displaced some 85% of the Gaza Strip’s 2.3 million residents.
Israeli warplanes struck two urban refugee camps in central Gaza on Saturday, as the Biden administration approved a new emergency weapons sale to Israel despite persistent international cease-fire calls over mounting civilian deaths, hunger and mass displacement in the enclave.
Israel says it is determined to pursue its unprecedented air and ground offensive until it has dismantled Hamas, a goal viewed by some as unattainable because of the militant group’s deep roots in Palestinian society. The United States has shielded Israel diplomatically and has continued to supply weapons.
Israel argues that ending the war now would mean victory for Hamas, a stance shared by the Biden administration which at the same time urged Israel to do more to avoid harm to Palestinian civilians.
The war, triggered by the deadly Oct. 7 Hamas attack on southern Israel, has displaced some 85% of the Gaza Strip’s 2.3 million residents, sending swells of people seeking shelter in Israeli-designated safe areas that the military has nevertheless also bombed. That has left Palestinians with a harrowing sense that nowhere is safe in the tiny enclave.
Residents in the urban refugee camps of Nuseirat and Bureij, two recent hot spots of combat, reported Israeli airstrikes overnight and into Saturday.
Nuseirat resident Mustafa Abu Wawee said a strike hit the home of one of his relatives, killing two people.
The (Israeli) occupation is doing everything to force people to leave, he said over the phone while searching along with others for four people missing under the rubble. They want to break our spirit and will but they will fail. We are here to stay.
A second strike late Friday in Nuseirat targeted the home of a journalist for Al-Quds TV, a channel linked to the group Islamic Jihad whose militants also participated in the Oct. 7 attack. The channel said the journalist, Jaber Abu Hadros and six members of his family were killed.
Bureij resident Rami Abu Mosab said sounds of gunfire echoed across the camp overnight, followed by heavy airstrikes Saturday.
With Israeli forces pushing deeper into Khan Younis and the camps of central Gaza, tens of thousands of Palestinians streamed into the already crowded city of Rafah at the southernmost end of Gaza in recent days.
Drone footage showed a vast camp of thousands of tents and makeshift shacks set up on what had been empty land on Rafah’s western outskirts next to U.N. warehouses. People arrived in Rafah in trucks, in carts and on foot. Those who did not find space in the already overwhelmed shelters put up tents on roadsides slick with mud from winter rains.
The State Department said Friday that Secretary of State Antony Blinken told Congress he approved a $147.5 million sale for equipment, including fuses, charges and primers, that is needed for 155 mm shells Israel bought previously.
It marked the second time this month that the Biden administration is bypassing Congress to approve an emergency weapons sale to Israel.
The department cited the urgency of Israel’s defensive needs as a reason for the approval, and argued that it is vital to U.S. national interests to ensure Israel is able to defend itself against the threats it faces.
The emergency determination means the purchase will bypass the congressional review requirement for foreign military sales. Such determinations are rare, but not unprecedented, when administrations see an urgent need for weapons to be delivered without waiting for lawmakers’ approval.
Blinken made a similar decision on Dec. 9 to approve the sale to Israel of nearly 14,000 rounds of tank ammunition worth more than USD 106 million.
Both moves have come as President Joe Biden’s request for a nearly USD 106 billion aid package for Ukraine, Israel and other national security needs remains stalled in Congress, caught up in a debate over U.S. immigration policy and border security. Some Democratic lawmakers have spoken of making the proposed USD 14.3 billion in American assistance to its Mideast ally contingent on concrete steps by Israeli Prime Minister Benjamin Netanyahu’s government to reduce civilian casualties in Gaza during the war with Hamas.
More than a week after a U.N. Security Council resolution called for the unhindered delivery of aid at scale across besieged Gaza, conditions have only worsened, U.N. agencies warned.
Aid officials said the aid entering Gaza remains woefully inadequate. Distributing goods is hampered by long delays at two border crossings, ongoing fighting, Israeli airstrikes, repeated cuts in internet and phone services and a breakdown of law and order that makes it difficult to secure aid convoys, they said.
Nearly the entire population is fully dependent on outside humanitarian aid, said Philippe Lazzarini, head of UNRWA, the U.N. agency for Palestinian refugees. A quarter of the population is starving because too few trucks enter with food, medicine, fuel and other supplies sometimes fewer than 100 trucks a day, according to U.N. daily reports.
U.N. monitors said operations at the Israeli-run Kerem Shalom crossing halted for four days this week because of security incidents, such as a drone strike and the seizing of aid by desperate Gaza residents.
They said the crossing reopened Friday, and that a total of 81 aid trucks entered Gaza through Kerem Shalom and the Rafah crossing on the Egyptian border a fraction of the typical prewar volume of 500 trucks a day.
Meanwhile, the World Health Organization warned that the spread of disease is accelerating, particularly in southern Gaza, where hundreds of thousands have crammed into an ever-shrinking area to flee airstrikes and advancing Israeli ground forces. The agency reported more cases of upper respiratory infections, diarrhea, lice, scabies, chickenpox, skin rashes and meningitis.
The war has already killed over 21,500 Palestinians, most of them women and children, according to the Health Ministry in the Hamas-ruled territory. Its count does not distinguish between civilians and combatants. Israel holds Hamas responsible for civilian deaths and injuries, saying the militants embed themselves within civilian infrastructure.
Israeli officials, meanwhile, have vowed to bring back more than 100 hostages still held by the militants after their Oct. 7 attack on southern Israel that triggered the war. The assault killed some 1,200 people, mostly civilians.
The military says 168 of its soldiers have been killed since the ground offensive began.
(Only the headline and picture of this report may have been reworked by the Business Standard staff; the rest of the content is auto-generated from a syndicated feed.)
First Published: Dec 30 2023 | 3:52 PM IST
