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2022-12-27

Tips are quite US centric

Six Ways to Protect Your Money in 2023

2022-08-23

Baba is a good stock to monitor. Regulatory risk remains a concern.

Alibaba: Time To Reinflate The Bubble

2022-07-23

Ok

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2022-02-10

[Strong]

Peloton Stock Had Its Best Day Ever. It’s About More Than a New CEO

2021-07-12

A change in the international tax rules to favour big markets

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2021-07-09

That is a very nice gesture.

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2021-07-09

Cost of change is high once you are ingrained into their ecosystem.

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2021-06-27

A different way to look at the purpose of Apple TV+

Apple's TV service faces its biggest test yet as free trials run out

2021-06-24

Monitoring Nio

Why I Believe NIO Will Beat Out Tesla

2021-06-23

Monitoring the stock

Shopify: Valuation Should Not Be A Concern

2021-06-20

?

Investors Leap at Chance to Double Their Money in 1,387 Years

2021-06-20

Great!

PLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today

2021-06-18

great

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2021-05-15

Time to buy!

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Go to Tiger App to see more news

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are quite US centric","listText":"Tips are quite US centric","text":"Tips are quite US centric","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9925704174","repostId":"2293480523","repostType":4,"repost":{"id":"2293480523","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1672098574,"share":"https://ttm.financial/m/news/2293480523?lang=&edition=fundamental","pubTime":"2022-12-27 07:49","market":"us","language":"en","title":"Six Ways to Protect Your Money in 2023","url":"https://stock-news.laohu8.com/highlight/detail?id=2293480523","media":"Dow Jones","summary":"The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implo","content":"<html><head></head><body><p>The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.</p><p>The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.</p><p>Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.</p><p>Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.</p><p>It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:</p><h2>Earn more on your savings</h2><p>Keeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.</p><p><img src=\"https://static.tigerbbs.com/cc5df6eca3284cd89acd9484d70c15a0\" tg-width=\"639\" tg-height=\"1086\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.</p><p>The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.</p><p>True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.</p><p>For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.</p><p>After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.</p><p>Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.</p><h2>Switch your bank accounts</h2><p>Banking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.</p><p><img src=\"https://static.tigerbbs.com/3fa1d86619600eda3092eaa7e43a5295\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.</p><p>For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.</p><p>A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.</p><p>Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.</p><h2>Cancel your subscriptions</h2><p>This time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.</p><p><img src=\"https://static.tigerbbs.com/1edfab7036046f4dd9392995182adcec\" tg-width=\"639\" tg-height=\"1073\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.</p><p>The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.</p><p>This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.</p><h2>Renegotiate your bills</h2><p>For all the recurring bills you cannot cancel, pick up the phone and negotiate.</p><p>Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.</p><p><img src=\"https://static.tigerbbs.com/a58879e51f265a3ea65674fc9b3bc8a5\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.</p><p>If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.</p><p>Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”</p><p>If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.</p><h2>Check your 401(k)</h2><p>The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.</p><p><img src=\"https://static.tigerbbs.com/722955959b8f5671ab714669dcd985d9\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&amp;P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.</p><p>The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.</p><p>“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.</p><p>As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.</p><p>For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.</p><p>More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.</p><p>Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.</p><h2>Don&#39;t wait until it is too late</h2><p>It doesn&#39;t pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year&#39;s Eve.</p><p>Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.</p><p>A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary&#39;s qualified education expenses. That works out to $80,000 per beneficiary account for 2022.</p><p>&#34;Paying for education is a really efficient way to transfer wealth,&#34; says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.</p><p>A separate rule lets individuals pay anyone&#39;s qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.</p><p>Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.</p><p>Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan&#39;s spend down rules now.</p><p>Take your losses: This year&#39;s painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.</p><p>Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.</p><p>(END) Dow Jones Newswires</p><p>December 23, 2022 07:51 ET (12:51 GMT)</p><p>Copyright (c) 2022 Dow Jones &amp; Company, Inc.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Six Ways to Protect Your Money in 2023</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSix Ways to Protect Your Money in 2023\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2022-12-27 07:49</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.</p><p>The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.</p><p>Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.</p><p>Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.</p><p>It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:</p><h2>Earn more on your savings</h2><p>Keeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.</p><p><img src=\"https://static.tigerbbs.com/cc5df6eca3284cd89acd9484d70c15a0\" tg-width=\"639\" tg-height=\"1086\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.</p><p>The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.</p><p>True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.</p><p>For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.</p><p>After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.</p><p>Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.</p><h2>Switch your bank accounts</h2><p>Banking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.</p><p><img src=\"https://static.tigerbbs.com/3fa1d86619600eda3092eaa7e43a5295\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.</p><p>For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.</p><p>A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.</p><p>Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.</p><h2>Cancel your subscriptions</h2><p>This time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.</p><p><img src=\"https://static.tigerbbs.com/1edfab7036046f4dd9392995182adcec\" tg-width=\"639\" tg-height=\"1073\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.</p><p>The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.</p><p>This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.</p><h2>Renegotiate your bills</h2><p>For all the recurring bills you cannot cancel, pick up the phone and negotiate.</p><p>Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.</p><p><img src=\"https://static.tigerbbs.com/a58879e51f265a3ea65674fc9b3bc8a5\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.</p><p>If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.</p><p>Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”</p><p>If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.</p><h2>Check your 401(k)</h2><p>The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.</p><p><img src=\"https://static.tigerbbs.com/722955959b8f5671ab714669dcd985d9\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&amp;P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.</p><p>The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.</p><p>“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.</p><p>As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.</p><p>For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.</p><p>More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.</p><p>Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.</p><h2>Don&#39;t wait until it is too late</h2><p>It doesn&#39;t pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year&#39;s Eve.</p><p>Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.</p><p>A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary&#39;s qualified education expenses. That works out to $80,000 per beneficiary account for 2022.</p><p>&#34;Paying for education is a really efficient way to transfer wealth,&#34; says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.</p><p>A separate rule lets individuals pay anyone&#39;s qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.</p><p>Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.</p><p>Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan&#39;s spend down rules now.</p><p>Take your losses: This year&#39;s painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.</p><p>Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.</p><p>(END) Dow Jones Newswires</p><p>December 23, 2022 07:51 ET (12:51 GMT)</p><p>Copyright (c) 2022 Dow Jones &amp; Company, Inc.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2293480523","content_text":"The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:Earn more on your savingsKeeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.Switch your bank accountsBanking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.Cancel your subscriptionsThis time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.Renegotiate your billsFor all the recurring bills you cannot cancel, pick up the phone and negotiate.Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.Check your 401(k)The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.Don't wait until it is too lateIt doesn't pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year's Eve.Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary's qualified education expenses. That works out to $80,000 per beneficiary account for 2022.\"Paying for education is a really efficient way to transfer wealth,\" says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.A separate rule lets individuals pay anyone's qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan's spend down rules now.Take your losses: This year's painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.(END) Dow Jones NewswiresDecember 23, 2022 07:51 ET (12:51 GMT)Copyright (c) 2022 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"tweetType":1,"viewCount":366,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9992990539,"gmtCreate":1661237705324,"gmtModify":1676536480925,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Baba is a good stock&nbsp;to monitor. Regulatory risk remains a concern.","listText":"Baba is a good stock&nbsp;to monitor. Regulatory risk remains a concern.","text":"Baba is a good stock to monitor. Regulatory risk remains a concern.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9992990539","repostId":"1197555902","repostType":4,"repost":{"id":"1197555902","pubTimestamp":1661233919,"share":"https://ttm.financial/m/news/1197555902?lang=&edition=fundamental","pubTime":"2022-08-23 13:51","market":"us","language":"en","title":"Alibaba: Time To Reinflate The Bubble","url":"https://stock-news.laohu8.com/highlight/detail?id=1197555902","media":"Seeking Alpha","summary":"SummaryAlibaba has posted encouraging results and is addressing its main problem.Risks persist, but ","content":"<html><head></head><body><p><b>Summary</b></p><ul><li>Alibaba has posted encouraging results and is addressing its main problem.</li><li>Risks persist, but Alibaba&#39;s worst enemy can also be its best ally.</li><li>Can the PBOC succeed in reinflating the Alibaba bubble?</li></ul><p><b>Thesis Summary</b></p><p>Alibaba Group Holding Limited (NYSE:BABA) is stock investors love to hate. On a fundamental level, the company has always looked like a significant investment. However, fears of delisting and political tensions have prevented the stock from shining. More recently, the genuine threat of COVID lockdowns has damaged growth.</p><p>However, in the latest quarter, we saw glimmers of hope. Not only did BABA maintain its revenues in hard times, but it is also addressing one of investors&#39; main concerns with the company for years: profitability.</p><p>On the one hand, we have early signs that BABA’s worst moments may be behind it. And on the other, we have imminent signs that the PBOC is ready to start easing monetary policy again, just as the economy and inflation seem to be slowing down.</p><p>It is time to inflate the BABA bubble once more.</p><p><b>Early Signs of Recovery</b></p><p>In my last article on BABA, I talked about the risks surrounding de-listing and the threat of war. While these risks are still present, BABA has shown encouraging results.</p><p>Alibaba has had a tough year. The Chinese government has been harsher with COVID lockdowns, which has hurt BABA at a time when the stock market, especially tech stocks, was crashing fast.</p><p>However, the recent results published at the beginning of the month have shown encouraging results. BABA delivered a solid beat on both revenue and earnings.</p><p><img src=\"https://static.tigerbbs.com/2d0b0d519f251f51c563af60de4e42d8\" tg-width=\"640\" tg-height=\"424\" referrerpolicy=\"no-referrer\"/></p><p>BABA revenues(Investor Presentation)</p><p>As we can see in the slide above, BABA achieved a slight growth in most of its main segments, but China commerce, responsible for 69% of revenues, fell YoY by 1%. With that said, operating income took a bigger hit, down nearly 20% YoY, and Earnings per ADS were down 29%.</p><p><b>Alibaba is Addressing Its Issues</b></p><p>Growth has been challenging in the last year, but the company has faced an unprecedented situation as the CCP enforced some of the harshest COVID restrictions worldwide.</p><p>That said, it is clear that Alibaba is set to keep growing and dominating Chinese commerce. The concern for investors isn’t growth but rather profitability. Luckily, this is precisely the area where Alibaba is trying its hardest to improve.</p><p>For starters, despite worse margins and a hard year, Alibaba has still managed to grow its free cash flow:</p><p><img src=\"https://static.tigerbbs.com/8a2f9efabd4046dfbaed60c577fce103\" tg-width=\"640\" tg-height=\"213\" referrerpolicy=\"no-referrer\"/></p><p>BABA cash flow(Investor Presentation)</p><p>On top of this, in June, Alibaba trimmed its employee count by 10% amid the recent sales slowdown. The CEO recently discussed profitability as one of BABA’s primary concerns. In the earnings call, he mentioned that the company was looking to narrow losses in various segments, including the delivery unit.</p><p>Now, clearly, Alibaba has to continue to grow, and the Commerce segment has tight margins. However, we have all seen just how much profitability Cloud has given Amazon Inc (AMZN), and despite the challenges, this segment grew by 10%. Moving forward, BABA can reign in costs in its other sectors and recover the previous growth in Cloud, it will become much more profitable.</p><p>It’s time to start blowing bubbles.</p><p>Alibaba is one of the largest companies in China. It addresses consumers&#39; needs, which is why its growth is tied to the economy&#39;s strength and consumer spending.</p><p>China has been leading the way in many areas in the last decade, and in the last few months, it has also led the way in this recession. Chinese home prices, for example, have been leading the worldwide decline:</p><p><img src=\"https://static.tigerbbs.com/35c1af45f504275165723c3ebe3d0b2c\" tg-width=\"640\" tg-height=\"326\" referrerpolicy=\"no-referrer\"/></p><p>Housing Market(Bloomberg)</p><p>As we can see above, Chinese house sales started to decline in 2021. Meanwhile, the US housing market is showing signs of weakness.</p><p>We also see signs that China’s inflation levels may have peaked too. Below we have the CPI and PPI for China.</p><p><img src=\"https://static.tigerbbs.com/97c17b3772b365b45fb190690b8ea518\" tg-width=\"640\" tg-height=\"361\" referrerpolicy=\"no-referrer\"/></p><p>CPI and PPI(National Bureau of Statistics)</p><p>As we can see, after Production Prices peaked in early 2021, we have seen a steady fall. Add to this falling commodity prices in the last month and lower projected worldwide demand, and it looks like China’s inflation may have stopped.</p><p>With inflation peaking, and recent economic data showing slowing economic growth, the People’s Bank of China has not hesitated to step in and lower medium-term rates byten basis points. A return to loose monetary policy is no longer speculation but reality, at least in the world’s second-largest economy.</p><p>This opens the door to another liquidity-induced stock market rally. China’s Central Bank has cut its one-year rate to 2.75%. This still leaves much room for further cuts in months to come.</p><p>This would add liquidity to the stock market and directly increase the spending capabilities of Chinese consumers, which are BABA’s primary source of income. In 2020, the stock market rallied against all odds amid a worldwide pandemic. If history repeats itself, we could face another “counterintuitive” rally just as the world enters a global recession. If so, BABA could be one of the best stocks to ride the next wave up.</p><p><b>Valuation</b></p><p>With the return of loose monetary policy, it’s only reasonable to assume that BABA could regain the kind of valuation multiples it held in the past. Using analyst estimates and historical P/E ratios, we can reach a target price for the company:</p><p><img src=\"https://static.tigerbbs.com/d3adf2cb86992471875e08f7bb5cfe22\" tg-width=\"640\" tg-height=\"203\" referrerpolicy=\"no-referrer\"/></p><p>Consensus EPS(Seeking Alpha)</p><p>Analysts expect that by March 2025, BABA could attain EPS of just under $10. This would lead to a PE of 8.98. BABA’s average 5-year P/E has been close to 30. so even if we assume a conservative P/E of 20, this would imply shares could increase by over 100%.</p><p>A similar valuation using P/S multiples leads to an even more bullish outlook, with BABA share appreciating by over 300%.</p><p><b>Risks</b></p><p>The risks with BABA are well known, and these were the focus of my last piece on BABA. However, since I wrote this piece, geopolitical tensions have escalated, which poses another risk to BABA. Add to this regulatory pressure and delisting fears, and understandably, many investors will stay away from this.</p><p>However, I believe that with the help of the PBOC, BABA could stage a strong recovery. And as the price picks up, investors will begin to pile into this name again.</p><p><b>Takeaway</b></p><p>Alibaba is an excellent company in a delicate position. Nonetheless, war doesn’t benefit anyone, and China has shown it will do everything it can to support its economy, which means supporting BABA too.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Alibaba: Time To Reinflate The Bubble</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAlibaba: Time To Reinflate The Bubble\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-08-23 13:51 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4536190-alibaba-time-to-reinflate-the-bubble?source=content_type%3Aall%7Cfirst_level_url%3Aportfolio%7Csection%3Aportfolio_content_unit%7Csection_asset%3Alatest%7Cline%3A7><strong>Seeking Alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SummaryAlibaba has posted encouraging results and is addressing its main problem.Risks persist, but Alibaba's worst enemy can also be its best ally.Can the PBOC succeed in reinflating the Alibaba ...</p>\n\n<a href=\"https://seekingalpha.com/article/4536190-alibaba-time-to-reinflate-the-bubble?source=content_type%3Aall%7Cfirst_level_url%3Aportfolio%7Csection%3Aportfolio_content_unit%7Csection_asset%3Alatest%7Cline%3A7\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"09988":"阿里巴巴-W","BABA":"阿里巴巴"},"source_url":"https://seekingalpha.com/article/4536190-alibaba-time-to-reinflate-the-bubble?source=content_type%3Aall%7Cfirst_level_url%3Aportfolio%7Csection%3Aportfolio_content_unit%7Csection_asset%3Alatest%7Cline%3A7","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1197555902","content_text":"SummaryAlibaba has posted encouraging results and is addressing its main problem.Risks persist, but Alibaba's worst enemy can also be its best ally.Can the PBOC succeed in reinflating the Alibaba bubble?Thesis SummaryAlibaba Group Holding Limited (NYSE:BABA) is stock investors love to hate. On a fundamental level, the company has always looked like a significant investment. However, fears of delisting and political tensions have prevented the stock from shining. More recently, the genuine threat of COVID lockdowns has damaged growth.However, in the latest quarter, we saw glimmers of hope. Not only did BABA maintain its revenues in hard times, but it is also addressing one of investors' main concerns with the company for years: profitability.On the one hand, we have early signs that BABA’s worst moments may be behind it. And on the other, we have imminent signs that the PBOC is ready to start easing monetary policy again, just as the economy and inflation seem to be slowing down.It is time to inflate the BABA bubble once more.Early Signs of RecoveryIn my last article on BABA, I talked about the risks surrounding de-listing and the threat of war. While these risks are still present, BABA has shown encouraging results.Alibaba has had a tough year. The Chinese government has been harsher with COVID lockdowns, which has hurt BABA at a time when the stock market, especially tech stocks, was crashing fast.However, the recent results published at the beginning of the month have shown encouraging results. BABA delivered a solid beat on both revenue and earnings.BABA revenues(Investor Presentation)As we can see in the slide above, BABA achieved a slight growth in most of its main segments, but China commerce, responsible for 69% of revenues, fell YoY by 1%. With that said, operating income took a bigger hit, down nearly 20% YoY, and Earnings per ADS were down 29%.Alibaba is Addressing Its IssuesGrowth has been challenging in the last year, but the company has faced an unprecedented situation as the CCP enforced some of the harshest COVID restrictions worldwide.That said, it is clear that Alibaba is set to keep growing and dominating Chinese commerce. The concern for investors isn’t growth but rather profitability. Luckily, this is precisely the area where Alibaba is trying its hardest to improve.For starters, despite worse margins and a hard year, Alibaba has still managed to grow its free cash flow:BABA cash flow(Investor Presentation)On top of this, in June, Alibaba trimmed its employee count by 10% amid the recent sales slowdown. The CEO recently discussed profitability as one of BABA’s primary concerns. In the earnings call, he mentioned that the company was looking to narrow losses in various segments, including the delivery unit.Now, clearly, Alibaba has to continue to grow, and the Commerce segment has tight margins. However, we have all seen just how much profitability Cloud has given Amazon Inc (AMZN), and despite the challenges, this segment grew by 10%. Moving forward, BABA can reign in costs in its other sectors and recover the previous growth in Cloud, it will become much more profitable.It’s time to start blowing bubbles.Alibaba is one of the largest companies in China. It addresses consumers' needs, which is why its growth is tied to the economy's strength and consumer spending.China has been leading the way in many areas in the last decade, and in the last few months, it has also led the way in this recession. Chinese home prices, for example, have been leading the worldwide decline:Housing Market(Bloomberg)As we can see above, Chinese house sales started to decline in 2021. Meanwhile, the US housing market is showing signs of weakness.We also see signs that China’s inflation levels may have peaked too. Below we have the CPI and PPI for China.CPI and PPI(National Bureau of Statistics)As we can see, after Production Prices peaked in early 2021, we have seen a steady fall. Add to this falling commodity prices in the last month and lower projected worldwide demand, and it looks like China’s inflation may have stopped.With inflation peaking, and recent economic data showing slowing economic growth, the People’s Bank of China has not hesitated to step in and lower medium-term rates byten basis points. A return to loose monetary policy is no longer speculation but reality, at least in the world’s second-largest economy.This opens the door to another liquidity-induced stock market rally. China’s Central Bank has cut its one-year rate to 2.75%. This still leaves much room for further cuts in months to come.This would add liquidity to the stock market and directly increase the spending capabilities of Chinese consumers, which are BABA’s primary source of income. In 2020, the stock market rallied against all odds amid a worldwide pandemic. If history repeats itself, we could face another “counterintuitive” rally just as the world enters a global recession. If so, BABA could be one of the best stocks to ride the next wave up.ValuationWith the return of loose monetary policy, it’s only reasonable to assume that BABA could regain the kind of valuation multiples it held in the past. Using analyst estimates and historical P/E ratios, we can reach a target price for the company:Consensus EPS(Seeking Alpha)Analysts expect that by March 2025, BABA could attain EPS of just under $10. This would lead to a PE of 8.98. BABA’s average 5-year P/E has been close to 30. so even if we assume a conservative P/E of 20, this would imply shares could increase by over 100%.A similar valuation using P/S multiples leads to an even more bullish outlook, with BABA share appreciating by over 300%.RisksThe risks with BABA are well known, and these were the focus of my last piece on BABA. However, since I wrote this piece, geopolitical tensions have escalated, which poses another risk to BABA. Add to this regulatory pressure and delisting fears, and understandably, many investors will stay away from this.However, I believe that with the help of the PBOC, BABA could stage a strong recovery. And as the price picks up, investors will begin to pile into this name again.TakeawayAlibaba is an excellent company in a delicate position. Nonetheless, war doesn’t benefit anyone, and China has shown it will do everything it can to support its economy, which means supporting BABA too.","news_type":1},"isVote":1,"tweetType":1,"viewCount":341,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9077201134,"gmtCreate":1658530695828,"gmtModify":1676536170788,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9077201134","repostId":"1150556085","repostType":4,"isVote":1,"tweetType":1,"viewCount":248,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9096436766,"gmtCreate":1644448484264,"gmtModify":1676533926497,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"[Strong]&nbsp;","listText":"[Strong]&nbsp;","text":"[Strong]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9096436766","repostId":"1107160488","repostType":4,"repost":{"id":"1107160488","pubTimestamp":1644406855,"share":"https://ttm.financial/m/news/1107160488?lang=&edition=fundamental","pubTime":"2022-02-09 19:40","market":"us","language":"en","title":"Peloton Stock Had Its Best Day Ever. It’s About More Than a New CEO","url":"https://stock-news.laohu8.com/highlight/detail?id=1107160488","media":"MarketWatch","summary":"Wall Street cheered Peloton Interactive ‘s plans to replace its chief executive, cut 2,800 jobs, and","content":"<html><head></head><body><p>Wall Street cheered Peloton Interactive ‘s plans to replace its chief executive, cut 2,800 jobs, and overhaul its board.</p><p>Shares rose 25% on Tuesday, the stock’s (ticker: PTON) best day ever, as the firm announced a series of steps to respond to a slowdown in sales.</p><p>After a long fall, Peloton shares are up over three consecutive trading sessions, for a gain of 54%.</p><p>The company said John Foley will step down as CEO, becoming the board’s executive chairman. Barry McCarthy, the former CFO of Spotify Technology (SPOT) and Netflix (NFLX), will be named chief executive and president. He’ll also join Peloton’s board.</p><p>Citi Research analyst Jason Bazinet, who has Neutral rating with a $38 price target, wrote that the restructuring announcements signal a commitment to improving operations.</p><p>“And, while we acknowledge the execution risks, we believe the positive share price reaction reflects improved clarity over growth, costs, and cash,” Bazinet wrote.</p><p>Aside from the 2,800 job cuts, which would affect 20% of the company’s corporate positions but exclude instructors, Peloton on Tuesday reported a fiscal second-quarter net loss of $1.39 on revenue of $1.13 billion. Analysts polled by FactSet had forecast a net loss of $1.20 per share.</p><p>Peloton also issued financial guidance, saying that fiscal-year revenue would range between $3.7 billion to $3.8 billion, below its previous estimate of $4.4 billion to $4.8 billion.</p><p>The Wall Street Journal reported the moves earlier Tuesday. Both Foley and McCarthy told the Journal that Peloton had long been planning to hire a new CEO.</p><p>“I have always thought there has to be a better CEO for Peloton than me,” Foley said. “Barry is more perfectly suited than anybody I could’ve imagined.”</p><p>Peloton stock soared to above $160 in 2020 amid surging demand for Peloton’s bikes during Covid-related lockdowns. But the shares tumbled as gyms reopened.</p><p>In late January, Foley said the company was taking “significant corrective actions to improve our profitability outlook and optimize our costs across the company.”</p><p>The company said Tuesday it expects the actions it is taking to “achieve at least $800 million of annual run-rate cost savings through operating expense efficiencies and significant margin improvement in its Connected Fitness category.”</p><p>Peloton said it would also reduce planned capital expenditures this year by about $150 million, resulting in charges of roughly $130 million. The majority of the charges, the company said, would be recorded in fiscal 2022.</p><p>Peloton shares gained nearly 21% on Monday, one day before the CEO announcement, after media reports said Amazon.com (AMZN) and Nike (NKE) were potential suitors of the interactive-fitness company. Apple (AAPL) also was floated as a potential acquirer by Wedbush analyst Dan Ives.</p><p>Last month, activist investor Blackwells Capital said it sent a letter to Peloton’s board pushing the company to remove Foley as CEO and explore a sale. Blackwells Chief Investment Officer Jason Aintabi said in a statement that Tuesday’s executive moves didn’t alleviate concerns.</p><p>Wedbush analyst Daniel Ives writes that the shift in management brings Peloton to a key fork in the road ahead. The company could try to improve its fundamentals and stock price, or seek a larger firm to scoop it up. Ives sees Apple as a clear strategic fit, due to its healthcare, fitness, and subscription initiatives.</p><p>“If Peloton tries to go alone ahead, not sell, there are cautionary tales of troubled consumer products in cost cutting mode that have been down this path with Fitbit and GoPro coming to mind in darker stories,” Ives writes. “In a nutshell, we believe Foley leaving makes it more likely that Peloton ultimately sells the company and the Board clearly has major decisions to make in the days/weeks/months ahead.”</p><p>While Peloton has a long road ahead to win back trust investors’, the cuts and the possibility of a sale are a positive sign for shares.</p></body></html>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Peloton Stock Had Its Best Day Ever. 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It’s About More Than a New CEO\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-09 19:40 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/articles/peloton-stock-price-ceo-layoffs-board-51644315101?mod=mw_latestnews><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Wall Street cheered Peloton Interactive ‘s plans to replace its chief executive, cut 2,800 jobs, and overhaul its board.Shares rose 25% on Tuesday, the stock’s (ticker: PTON) best day ever, as the ...</p>\n\n<a href=\"https://www.marketwatch.com/articles/peloton-stock-price-ceo-layoffs-board-51644315101?mod=mw_latestnews\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PTON":"Peloton Interactive, Inc."},"source_url":"https://www.marketwatch.com/articles/peloton-stock-price-ceo-layoffs-board-51644315101?mod=mw_latestnews","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1107160488","content_text":"Wall Street cheered Peloton Interactive ‘s plans to replace its chief executive, cut 2,800 jobs, and overhaul its board.Shares rose 25% on Tuesday, the stock’s (ticker: PTON) best day ever, as the firm announced a series of steps to respond to a slowdown in sales.After a long fall, Peloton shares are up over three consecutive trading sessions, for a gain of 54%.The company said John Foley will step down as CEO, becoming the board’s executive chairman. Barry McCarthy, the former CFO of Spotify Technology (SPOT) and Netflix (NFLX), will be named chief executive and president. He’ll also join Peloton’s board.Citi Research analyst Jason Bazinet, who has Neutral rating with a $38 price target, wrote that the restructuring announcements signal a commitment to improving operations.“And, while we acknowledge the execution risks, we believe the positive share price reaction reflects improved clarity over growth, costs, and cash,” Bazinet wrote.Aside from the 2,800 job cuts, which would affect 20% of the company’s corporate positions but exclude instructors, Peloton on Tuesday reported a fiscal second-quarter net loss of $1.39 on revenue of $1.13 billion. Analysts polled by FactSet had forecast a net loss of $1.20 per share.Peloton also issued financial guidance, saying that fiscal-year revenue would range between $3.7 billion to $3.8 billion, below its previous estimate of $4.4 billion to $4.8 billion.The Wall Street Journal reported the moves earlier Tuesday. Both Foley and McCarthy told the Journal that Peloton had long been planning to hire a new CEO.“I have always thought there has to be a better CEO for Peloton than me,” Foley said. “Barry is more perfectly suited than anybody I could’ve imagined.”Peloton stock soared to above $160 in 2020 amid surging demand for Peloton’s bikes during Covid-related lockdowns. But the shares tumbled as gyms reopened.In late January, Foley said the company was taking “significant corrective actions to improve our profitability outlook and optimize our costs across the company.”The company said Tuesday it expects the actions it is taking to “achieve at least $800 million of annual run-rate cost savings through operating expense efficiencies and significant margin improvement in its Connected Fitness category.”Peloton said it would also reduce planned capital expenditures this year by about $150 million, resulting in charges of roughly $130 million. The majority of the charges, the company said, would be recorded in fiscal 2022.Peloton shares gained nearly 21% on Monday, one day before the CEO announcement, after media reports said Amazon.com (AMZN) and Nike (NKE) were potential suitors of the interactive-fitness company. Apple (AAPL) also was floated as a potential acquirer by Wedbush analyst Dan Ives.Last month, activist investor Blackwells Capital said it sent a letter to Peloton’s board pushing the company to remove Foley as CEO and explore a sale. Blackwells Chief Investment Officer Jason Aintabi said in a statement that Tuesday’s executive moves didn’t alleviate concerns.Wedbush analyst Daniel Ives writes that the shift in management brings Peloton to a key fork in the road ahead. The company could try to improve its fundamentals and stock price, or seek a larger firm to scoop it up. Ives sees Apple as a clear strategic fit, due to its healthcare, fitness, and subscription initiatives.“If Peloton tries to go alone ahead, not sell, there are cautionary tales of troubled consumer products in cost cutting mode that have been down this path with Fitbit and GoPro coming to mind in darker stories,” Ives writes. “In a nutshell, we believe Foley leaving makes it more likely that Peloton ultimately sells the company and the Board clearly has major decisions to make in the days/weeks/months ahead.”While Peloton has a long road ahead to win back trust investors’, the cuts and the possibility of a sale are a positive sign for shares.","news_type":1},"isVote":1,"tweetType":1,"viewCount":572,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":146525906,"gmtCreate":1626092646705,"gmtModify":1703753156645,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"A change in the international tax rules to favour big markets","listText":"A change in the international tax rules to favour big markets","text":"A change in the international tax rules to favour big markets","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/146525906","repostId":"1162001323","repostType":4,"isVote":1,"tweetType":1,"viewCount":657,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":143259630,"gmtCreate":1625797233520,"gmtModify":1703748751650,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"That is a very nice gesture.","listText":"That is a very nice gesture.","text":"That is a very nice gesture.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/143259630","repostId":"1137658325","repostType":4,"isVote":1,"tweetType":1,"viewCount":697,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":143225790,"gmtCreate":1625797082110,"gmtModify":1703748746103,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Cost of change is high once you are ingrained into their ecosystem.","listText":"Cost of change is high once you are ingrained into their ecosystem.","text":"Cost of change is high once you are ingrained into their ecosystem.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/143225790","repostId":"1140589344","repostType":2,"isVote":1,"tweetType":1,"viewCount":581,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":124164870,"gmtCreate":1624754348090,"gmtModify":1703844384900,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"A different way to look at the purpose of&nbsp;Apple TV+","listText":"A different way to look at the purpose of&nbsp;Apple TV+","text":"A different way to look at the purpose of Apple TV+","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/124164870","repostId":"1189436009","repostType":4,"repost":{"id":"1189436009","pubTimestamp":1624752667,"share":"https://ttm.financial/m/news/1189436009?lang=&edition=fundamental","pubTime":"2021-06-27 08:11","market":"us","language":"en","title":"Apple's TV service faces its biggest test yet as free trials run out","url":"https://stock-news.laohu8.com/highlight/detail?id=1189436009","media":"CNBC","summary":"Starting in July, Apple will no longer provide a free year of the streaming service with purchases. Instead, it will offer 3 months.Also in July, the first subscribers to activate Apple's promotional offer will start to be automatically billed for the service after watching its shows for nearly 21 months for free.Apple still has a much smaller content library than rivals such as Netflix and Disney.The training wheels are about to come off for Apple TV+, the company's streaming video service.Appl","content":"<div>\n<p>KEY POINTS\n\nStarting in July, Apple will no longer provide a free year of the streaming service with purchases. Instead, it will offer 3 months.\nAlso in July, the first subscribers to activate Apple's...</p>\n\n<a href=\"https://www.cnbc.com/2021/06/26/apples-tv-service-faces-its-biggest-test-yet-as-free-trials-run-out.html\">Web Link</a>\n\n</div>\n","source":"cnbc_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Apple's TV service faces its biggest test yet as free trials run out</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nApple's TV service faces its biggest test yet as free trials run out\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-27 08:11 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.cnbc.com/2021/06/26/apples-tv-service-faces-its-biggest-test-yet-as-free-trials-run-out.html><strong>CNBC</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>KEY POINTS\n\nStarting in July, Apple will no longer provide a free year of the streaming service with purchases. Instead, it will offer 3 months.\nAlso in July, the first subscribers to activate Apple's...</p>\n\n<a href=\"https://www.cnbc.com/2021/06/26/apples-tv-service-faces-its-biggest-test-yet-as-free-trials-run-out.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"source_url":"https://www.cnbc.com/2021/06/26/apples-tv-service-faces-its-biggest-test-yet-as-free-trials-run-out.html","is_english":true,"share_image_url":"https://static.laohu8.com/72bb72e1b84c09fca865c6dcb1bbcd16","article_id":"1189436009","content_text":"KEY POINTS\n\nStarting in July, Apple will no longer provide a free year of the streaming service with purchases. Instead, it will offer 3 months.\nAlso in July, the first subscribers to activate Apple's promotional offer will start to be automatically billed for the service after watching its shows for nearly 21 months for free.\nApple still has a much smaller content library than rivals such as Netflix and Disney.\n\nThe training wheels are about to come off for Apple TV+, the company's streaming video service.\nApple TV+ costs $4.99 per month. It's also bundled with other Apple services like Music and iCloud in packages called Apple One starting at $14.95 per month. But a lot of subscribers aren't paying.\nApple gave away a huge number of Apple TV+ of subscriptions to get the service off the ground. Starting in September 2019, anyone who bought an Apple product — an iPhone, iPad, Mac, Apple TV, or Apple Watch — got one year of Apple TV+ for free. During the pandemic, Apple extended the offer twice for people whose trial periods were about to expire.\nThe majority of Apple TV+ subscribers are still on the promotional offer, with 62% of current subscribers accessing Apple TV+ through a promotional package, according to survey data by Moffatt Nathanson published in January. Apple hasn't said how many subscribers the service has, but it has sold hundreds of millions of iPhones and other gadgets since late 2019.\nNow Apple is starting to wean Apple TV+ subscribers off the free plan.\nOn July 1, people who buy Apple products will be eligible for only 3 months of free Apple TV+, instead of a year, and people who already cashed on the trial can't get it again. Also during July, the first subscribers to activate the promotional offer will start to be automatically billed for the service after having access to its shows for nearly 21 months for free.\nThis creates a huge test for Apple.\nWill the millions of users currently on a free trial end up signing up for the $5 per month service or an Apple bundle because they can't go without Apple's shows? Or will they cancel?\nOthers may simply forget that they were on the trial and not immediately notice the new charges.\nApple reducing its reliance on free trials for Apple TV+ is a \"critical point\" for the service, said Parks Associates analyst Steve Cason, who follows the streaming industry.\n\"For newer or smaller services, partnerships and promotions are an invaluable customer acquisition tool,\" Cason said. \"A large percentage of folks follow through, they truly love the service and continue it. Or they forget they gave the service their credit card.\"\nFewer TV shows and movies than rivals\nApple TV+ has always had fewer hours of movies and TV compared to other streaming services, which may be a reason why it debuted with a lower price, versus to $8 per month for Disney+ or $8.99 for a standard Netflix plan.\nWhen Apple TV+ was launched in November 2019, it had nine original, Apple-backed shows and movies. Now it has around 87 original TV shows, movies and documentaries. That’s nowhere near what other services offer.\nHulu, for example, has thousands of shows, according to Reelgood data, many of which already have large fanbases because they were broadcast on TV.Netflix and Amazon Prime Video both have more than 1,000 licensed and original shows for customers to watch.\nApple has not licensed any non-exclusive shows for its service, and instead is only offering shows it financially backed. It hasn’t spent to buy media companies to fill out its back catalog, unlike Amazon, which recently agreed to acquire MGM Studios.\nMost of Apple’s shows star big-named producers and actors, such as Oprah and Steven Spielberg. However, talent is not exclusively tied to the company. Oprah’s biggest interview in recent memory, with Prince Harry, was broadcast on CBS. Steven Spielberg recently signed a deal with Netflix, too.\nStreaming ratings are notoriously secretive, and Apple’s never revealed how many viewers any of its shows have.\nWhen Apple executives are asked about the success of its content, they point to award nominations. In a press release last week,Apple said that its original shows have received 112 awards and 389 nominations, including Critics Choice awards, Golden Globes, and Oscars.\n“No matter what device you enjoy it from, it is a milestone period for Apple TV+, racking up many new award nominations and wins, including its first Oscar nominations,” Apple CEO Tim Cook said on a call with analysts in April.\nCook went on to praise one show in particular, “Ted Lasso,” which looks like Apple TV+‘s first big hit. The breezy comedy about an American soccer coach, which was based on an NBC advertisement poking fun at Americans’ ignorance about soccer, found a fanbase with its low-stakes banter.\n“Ted Lasso” season 2 will premier on July 23 and Apple will release new episodes weekly with an aim to get current subscribers on the trial hooked and potentially find new subscribers.\nA promotional email sent to subscribers this week highlights “Ted Lasso” in addition to a second season of “The Morning Show” starring Jennifer Aniston premiering in September. The email also promoted shows that have yet to premier, such as a comedy starring Will Ferrell and Paul Rudd called “The Shrink Next Door” and the sci-fi series “Foundation” based on Issac Asimov’s books.\nStill, “Ted Lasso” is a 30-minute comedy with only 10 episodes currently available, and overall, Apple’s library of content still trails far behind rivals.\n“Apple’s not in a position of strength here,” Moffett Nathanson’s Michael Nathanson said. “Although they have some excellent shows, they lack the scale of new releases, tentpole titles and a deep library to really create a large profitable business at this point.”\nPart of a whole\nIt’s hard to figure out how Apple TV+ stacks up to Disney or Netflix in terms of subscribers because Apple doesn’t release stats.\nNetflix has 208 million subscribers around the world. It would also be surprising if Apple can match Disney+’s 100 million subscribers, which it has built since Apple TV+ debuted.\nAnalysts are reluctant to offer estimates, but based on the number of smartphones Apple sells per year, tens of millions of people could have taken the promotional offer for Apple TV. Apple sold 206 million iPhones globally in 2020,according to an IDC estimate, and that doesn’t include the other Apple products that come with a free trial.\nEleven percent of U.S. households with a high-speed internet connection subscribe to Apple TV+, according to Parks Associates survey data. There are about 103 million households with broadband,according to Census data.\nThe percent of subscribers who could end up churning is also foggy. A Moffett Nathanson analysis of survey data suggests 29% percent of Apple TV+ subscribers don’t plan to renew and 41% aren’t sure yet. Only 30% said they planned to continue subscribing to Apple TV+.\nBut Apple never said it planned to take on Netflix, Cason said, so the total number of subscribers may not be that important to the company. He thinks that Apple TV+ is another one of several services designed to get users hooked on iPhones and Apple services, in line with Apple’s overall corporate strategy.\n“Apple wants to get you into their ecosystem through a device purchase, and once you get in there, they go, ‘We’ll give you Apple TV+. We also have Apple Music, podcasts, news, fitness, you can bundle them or you buy them separate,’” Cason said.\nIn fact, that’s how Apple thinks about its subscriber numbers. It said in April that it has 660 million paid subscribers across its services — but that also includes anyone who’s subscribed to an app through App Store billing.\nApple TV+ gives the company commercial-free content it can use to promote new audio and visual standards it builds into its products. For example, when Apple TV+ shows first debuted, they supported a Dolby HDR standard that produced better image quality when viewed through a supported Apple player. The next year, Apple announced that iPhones can film video using Dolby Vision HDR.\nMore recently, Apple launched a feature called spatial audio that works like advanced surround sound when listening on certain Apple headphones. Apple TV+ shows and movies support spatial audio, giving Apple customers the ability to watch a show in it without the company making sure that supported content is available from rivals.","news_type":1},"isVote":1,"tweetType":1,"viewCount":618,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":121409023,"gmtCreate":1624486766662,"gmtModify":1703837920150,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Monitoring Nio","listText":"Monitoring Nio","text":"Monitoring Nio","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/121409023","repostId":"1145825451","repostType":4,"repost":{"id":"1145825451","pubTimestamp":1624433586,"share":"https://ttm.financial/m/news/1145825451?lang=&edition=fundamental","pubTime":"2021-06-23 15:33","market":"us","language":"en","title":"Why I Believe NIO Will Beat Out Tesla","url":"https://stock-news.laohu8.com/highlight/detail?id=1145825451","media":"InvestorPlace","summary":"The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.Super fans of the latest and greatest high-endTesla, Inc. model received some disappointing news a week ago when CEO Elon Musk abruptly canceled the release of its highly anticipated Model S Plaid Plus with a tweet on June 6.Instead, the company has begun delivering a new Model S Plaid that has only a 390-mile range and 1,020 horsepower, though it still sprints to from 0 to 60 miles per hour in just two seconds.The go","content":"<blockquote>\n <b>The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.</b>\n</blockquote>\n<p>Super fans of the latest and greatest high-end<b>Tesla, Inc.</b>(NASDAQ:<b>TSLA</b>) model received some disappointing news a week ago when CEO Elon Musk abruptly canceled the release of its highly anticipated Model S Plaid Plus with a tweet on June 6.</p>\n<p><img src=\"https://static.tigerbbs.com/b294a3604c7ba82bd19b3c70be3a4020\" tg-width=\"300\" tg-height=\"169\" referrerpolicy=\"no-referrer\">Source: nrqemi / Shutterstock.com</p>\n<p>Musk wrote there was… “No need, as Plaid is just so good.”</p>\n<p>The Model S Plaid Plus was supposed to be the fastest, most powerful and priciest version of the company’s Model S. Priced at $149,990, it was to feature a range of 520 miles, thanks to its innovative 4680 battery cells, 1,100 horsepower and the ability to speed from 0 to 60 mph in less than two seconds.</p>\n<p>Instead, the company has begun delivering a new Model S Plaid that has only a 390-mile range and 1,020 horsepower, though it still sprints to from 0 to 60 miles per hour in just two seconds.</p>\n<p>As a way to “sugar coat” its flip flop, Tesla said the Model S Plaid is just as fast as the Model S Plaid Plus and $20,000 cheaper. Humm.</p>\n<p>This “bait and switch” has some Tesla fans worried, since they had deposits on the Model S Plaid Plus and wanted the innovative 4680 battery cells that Tesla had been touting as the key to longer range and more power. Essentially, the 4680 battery cells were the latest great Tesla development, since they were the first batteries to also be a structural component that supposedly allowed Tesla to lower the weight of its vehicles.</p>\n<p>Both the company’s Austin and Berlin manufacturing plants now under construction are supposed to also be making the 4680 batteries for new Tesla vehicles. If there is a problem with the engineering associated with utilizing the 4680 batteries or making them a structural component, then Tesla has grossly miscalculated, which is now worrying investors.</p>\n<p>Clearly something happened to delay the 4680 batteries that were supposed to provide Tesla with a competitive and engineering edge. For Tesla’s sake, I hope they figure out the problems associated with their much hyped 4680 battery cells, otherwise concerns about its two new manufacturing plants will emerge, as well as the stock losing more of its “mojo.”</p>\n<p>As someone who owns more than a few high-performance vehicles, I can tell you that the engineering geeks I know do<i>not</i>want to get a new Model S Plaid instead of a Model S Plaid Plus and will likely ask for their deposits back.</p>\n<p>What Tesla did is like Ferrari or Porsche telling its customers that one of their much-hyped new performance models is now not being sold because the base model was just as good! Car fanatics, like myself, like the latest and greatest engineering tidbits, so we would rather cancel our orders versus settle for a base model.</p>\n<p>The good news for Tesla is that its China sales in May resurged to 21,936, up sharply from 11,671 in April. The company’s sales tend to spike at the end of each quarter. For example, Tesla sold 35,478 vehicles in China in March, which was the strongest month ever in China.</p>\n<p>This is raising expectations for very strong China sales in June, especially now that the Model Y is being manufactured in Shanghai. Interestingly, since most Chinese Teslas are now made with iron phosphate batteries, these vehicles have lower range than its lithium cobalt vehicles, but its iron phosphate vehicles are cheaper and now increasingly being exported to Europe.</p>\n<p>However, I’m convinced another electric vehicle (EV) company will eventually displace Tesla as the biggest manufacturer of EVs in China.</p>\n<p><b>Taking Advantage of the EV Revolution’s Profit Potential</b></p>\n<p>I’m talking about&nbsp;<b>Nio, Inc.</b>(NYSE:<b>NIO</b>). The reality is that this company is on the verge of dominating the EV market in China and Hong Kong. It’s why I put NIO on my<b><i>Platinum Growth Club</i></b>Model Portfolio back in February.</p>\n<p>The company boasts that it is the “next-generation car company,” as it designs and manufactures electric vehicles that utilize the latest technologies in connectivity, autonomous driving and artificial intelligence (AI). NIO currently offers an electric seven-seater SUV (ES8) and a five-seater electric SUV (ES6) and recently introduced an attractive electric sedan (ET7). Its vehicles utilize NOMI, an in-vehicle artificial intelligence assistant.</p>\n<p>The company is also partnering with cutting-edge chip companies like<b>NVIDIA Corporation</b>(NASDAQ:<b>NVDA</b>), another one of my<b><i>Platinum Growth Club</i></b>Model Portfolio stocks. NIO plans to use the NVIDIA DRIVE Orin system-on-a-chip for its electric vehicles that will provide autonomous driving capabilities. The NVIDIA DRIVE Orin-powered supercomputer, which is being called Adam, will be launched in the ET7 sedan in China in 2022. Announcements like this are very positive, so NIO has been stealing some of Tesla’s thunder lately.</p>\n<p>Now, it’s important to note that NIO was bailed out by the Chinese government. Last year, the Chinese government injected $1 billion and now has a 24% ownership in the company. The reality is that China wants to dominate at least five major industries by 2025, and NIO is now its ticket to dominate EV manufacturing.</p>\n<p>With the backing of the Chinese government, some Wall Street firms are eager to help NIO by issuing new debt or equity. So, I wouldn’t be surprised if NIO surpasses Tesla, which is currently number-two in China, for market share in the upcoming years.</p>\n<p>That means, if you missed Tesla’s parabolic run like I did, NIO is essentially giving us a “second chance” to make money in a potentially explosive electric vehicle company.</p>\n<p>Shares of NIO climbed nearly 13% since the company’s June 4 announcement of its May delivery report and positive analyst comments, while Tesla shares rose almost 3%. First, NIO revealed that the global chip shortage is starting to take a toll on its business. NIO only delivered 6,711 vehicles in May, or a 5.5% decline from April’s deliveries. Company management noted that deliveries were “adversely impacted for several days due to the volatility of semiconductor supply and certain logistical adjustments.”</p>\n<p>Interestingly, despite the month-to-month dip, NIO’s deliveries were still up 95.3% year-over-year. Strong demand in China even inspired a Citigroup analyst to upgrade NIO to a buy rating, as he expects demand to accelerate in the coming months.</p>\n<p>In other words, NIO represents the<b>crème de la crème</b>of EV stocks right now.</p>","source":"lsy1606302653667","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Why I Believe NIO Will Beat Out Tesla</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhy I Believe NIO Will Beat Out Tesla\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-23 15:33 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2021/06/why-i-believe-nio-will-beat-out-tesla/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.\n\nSuper fans of the latest and greatest high-endTesla, Inc.(NASDAQ:TSLA) model received some disappointing news a week ...</p>\n\n<a href=\"https://investorplace.com/2021/06/why-i-believe-nio-will-beat-out-tesla/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉","NIO":"蔚来"},"source_url":"https://investorplace.com/2021/06/why-i-believe-nio-will-beat-out-tesla/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1145825451","content_text":"The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.\n\nSuper fans of the latest and greatest high-endTesla, Inc.(NASDAQ:TSLA) model received some disappointing news a week ago when CEO Elon Musk abruptly canceled the release of its highly anticipated Model S Plaid Plus with a tweet on June 6.\nSource: nrqemi / Shutterstock.com\nMusk wrote there was… “No need, as Plaid is just so good.”\nThe Model S Plaid Plus was supposed to be the fastest, most powerful and priciest version of the company’s Model S. Priced at $149,990, it was to feature a range of 520 miles, thanks to its innovative 4680 battery cells, 1,100 horsepower and the ability to speed from 0 to 60 mph in less than two seconds.\nInstead, the company has begun delivering a new Model S Plaid that has only a 390-mile range and 1,020 horsepower, though it still sprints to from 0 to 60 miles per hour in just two seconds.\nAs a way to “sugar coat” its flip flop, Tesla said the Model S Plaid is just as fast as the Model S Plaid Plus and $20,000 cheaper. Humm.\nThis “bait and switch” has some Tesla fans worried, since they had deposits on the Model S Plaid Plus and wanted the innovative 4680 battery cells that Tesla had been touting as the key to longer range and more power. Essentially, the 4680 battery cells were the latest great Tesla development, since they were the first batteries to also be a structural component that supposedly allowed Tesla to lower the weight of its vehicles.\nBoth the company’s Austin and Berlin manufacturing plants now under construction are supposed to also be making the 4680 batteries for new Tesla vehicles. If there is a problem with the engineering associated with utilizing the 4680 batteries or making them a structural component, then Tesla has grossly miscalculated, which is now worrying investors.\nClearly something happened to delay the 4680 batteries that were supposed to provide Tesla with a competitive and engineering edge. For Tesla’s sake, I hope they figure out the problems associated with their much hyped 4680 battery cells, otherwise concerns about its two new manufacturing plants will emerge, as well as the stock losing more of its “mojo.”\nAs someone who owns more than a few high-performance vehicles, I can tell you that the engineering geeks I know donotwant to get a new Model S Plaid instead of a Model S Plaid Plus and will likely ask for their deposits back.\nWhat Tesla did is like Ferrari or Porsche telling its customers that one of their much-hyped new performance models is now not being sold because the base model was just as good! Car fanatics, like myself, like the latest and greatest engineering tidbits, so we would rather cancel our orders versus settle for a base model.\nThe good news for Tesla is that its China sales in May resurged to 21,936, up sharply from 11,671 in April. The company’s sales tend to spike at the end of each quarter. For example, Tesla sold 35,478 vehicles in China in March, which was the strongest month ever in China.\nThis is raising expectations for very strong China sales in June, especially now that the Model Y is being manufactured in Shanghai. Interestingly, since most Chinese Teslas are now made with iron phosphate batteries, these vehicles have lower range than its lithium cobalt vehicles, but its iron phosphate vehicles are cheaper and now increasingly being exported to Europe.\nHowever, I’m convinced another electric vehicle (EV) company will eventually displace Tesla as the biggest manufacturer of EVs in China.\nTaking Advantage of the EV Revolution’s Profit Potential\nI’m talking about Nio, Inc.(NYSE:NIO). The reality is that this company is on the verge of dominating the EV market in China and Hong Kong. It’s why I put NIO on myPlatinum Growth ClubModel Portfolio back in February.\nThe company boasts that it is the “next-generation car company,” as it designs and manufactures electric vehicles that utilize the latest technologies in connectivity, autonomous driving and artificial intelligence (AI). NIO currently offers an electric seven-seater SUV (ES8) and a five-seater electric SUV (ES6) and recently introduced an attractive electric sedan (ET7). Its vehicles utilize NOMI, an in-vehicle artificial intelligence assistant.\nThe company is also partnering with cutting-edge chip companies likeNVIDIA Corporation(NASDAQ:NVDA), another one of myPlatinum Growth ClubModel Portfolio stocks. NIO plans to use the NVIDIA DRIVE Orin system-on-a-chip for its electric vehicles that will provide autonomous driving capabilities. The NVIDIA DRIVE Orin-powered supercomputer, which is being called Adam, will be launched in the ET7 sedan in China in 2022. Announcements like this are very positive, so NIO has been stealing some of Tesla’s thunder lately.\nNow, it’s important to note that NIO was bailed out by the Chinese government. Last year, the Chinese government injected $1 billion and now has a 24% ownership in the company. The reality is that China wants to dominate at least five major industries by 2025, and NIO is now its ticket to dominate EV manufacturing.\nWith the backing of the Chinese government, some Wall Street firms are eager to help NIO by issuing new debt or equity. So, I wouldn’t be surprised if NIO surpasses Tesla, which is currently number-two in China, for market share in the upcoming years.\nThat means, if you missed Tesla’s parabolic run like I did, NIO is essentially giving us a “second chance” to make money in a potentially explosive electric vehicle company.\nShares of NIO climbed nearly 13% since the company’s June 4 announcement of its May delivery report and positive analyst comments, while Tesla shares rose almost 3%. First, NIO revealed that the global chip shortage is starting to take a toll on its business. NIO only delivered 6,711 vehicles in May, or a 5.5% decline from April’s deliveries. Company management noted that deliveries were “adversely impacted for several days due to the volatility of semiconductor supply and certain logistical adjustments.”\nInterestingly, despite the month-to-month dip, NIO’s deliveries were still up 95.3% year-over-year. Strong demand in China even inspired a Citigroup analyst to upgrade NIO to a buy rating, as he expects demand to accelerate in the coming months.\nIn other words, NIO represents thecrème de la crèmeof EV stocks right now.","news_type":1},"isVote":1,"tweetType":1,"viewCount":1035,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":123001272,"gmtCreate":1624401893396,"gmtModify":1703835381026,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Monitoring the stock","listText":"Monitoring the stock","text":"Monitoring the stock","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/123001272","repostId":"1117650695","repostType":2,"repost":{"id":"1117650695","pubTimestamp":1623902228,"share":"https://ttm.financial/m/news/1117650695?lang=&edition=fundamental","pubTime":"2021-06-17 11:57","market":"us","language":"en","title":"Shopify: Valuation Should Not Be A Concern","url":"https://stock-news.laohu8.com/highlight/detail?id=1117650695","media":"seekingalpha","summary":"Shopify is a leading merchant platform empowering mostly small online retailers.Shopify is set to grow revenues to $5b by 2023.Fulfillment center strategy makes Shopify a long-term threat to Amazon.Shopify is taking a larger bite out of the e-commerce market and the price is justified given Shopify's potential for rapid revenue growth.Shopify  is a strong buy as the merchant platform takes a bigger and bigger bite out of the expanding e-commerce market and revenues are growing rapidly. Shopify i","content":"<p><b>Summary</b></p>\n<ul>\n <li>Shopify is a leading merchant platform empowering mostly small online retailers.</li>\n <li>Shopify is set to grow revenues to $5b by 2023.</li>\n <li>Fulfillment center strategy makes Shopify a long-term threat to Amazon.</li>\n <li>Shopify is taking a larger bite out of the e-commerce market and the price is justified given Shopify's potential for rapid revenue growth.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b5f3ab455f8b2c1956c4124771b084d9\" tg-width=\"768\" tg-height=\"400\"><span>ipopba/iStock via Getty Images</span></p>\n<p>Shopify (SHOP) is a strong buy as the merchant platform takes a bigger and bigger bite out of the expanding e-commerce market and revenues are growing rapidly. Shopify is on its way to becoming a $5b annual revenue company and its fulfillment center strategy provides fertile ground for stock price appreciation. Amazon(NASDAQ:AMZN)should be worried.</p>\n<p><b>Why Shopify is a strong buy</b></p>\n<p>Shopify enables people to start an online business relatively fast and with very little cost. Itse-commerce platform offers a suite of integrated products and apps that includes marketing functionality, payment processing and customer engagement tools. Shopify’s core services are paid for on a subscription basis with the most basic plan starting at $29-month.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d0e35fa316c0fd7e939400d53fd623fb\" tg-width=\"1280\" tg-height=\"266\"><span>(Source: Shopify)</span></p>\n<p>Thee-commerce market is booming, not just because of the pandemic. The ease of shopping and the wide distribution of mobile devices made online shopping popular even before COVID-19 emerged. Globale-commerce sales are expected to rise in the future with some estimates calling for global online sales of $4.9 trillion in 2021... with sales growing 30% to $6.4 trillion by 2024.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9918556cae0d9e7fdb0e58780b922413\" tg-width=\"907\" tg-height=\"460\"><span>(Source:Oberlo)</span></p>\n<p>Online sales are not only expected to grow in absolute terms but also relatively: E-Commerce is taking an ever-growing share of retail sales, a trend that accelerated during the 2020 pandemic year. Thee-commerce share of retail sales in 2020 was 18% and is projected to grow to 21.8% by 2024.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1c7297749c9cb665e56f89bb920507e5\" tg-width=\"905\" tg-height=\"463\"><span>(Source:Oberlo)</span></p>\n<p>Growth ine-commerce and merchandise volumes are not dependent on one particular category either. People buy everything from fashion items to personal care products online. According to Hootsuite’sDigital 2021 Global Overview Report, money spent on travel and accommodation cratered 51% due to the pandemic but all other categories grew sales by at least 18% Y/Y.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/bd515034ac6d1ea79da171cca44eacb0\" tg-width=\"1232\" tg-height=\"682\"><span>(Source: Digital 2021Global Overview Report)</span></p>\n<p>Shopify also saw a year of revenue acceleration during the pandemic… just like Amazon did. As people lost their jobs because of COVID-19 and remote working became the new standard, Shopify’s merchant platform gained in popularity, too. The pandemic also helped shift a lot of purchasing power online as retail stores and small businesses shut their doors. Shopify benefited from these unfortunate trends by experiencing a surge in revenues as more retailers built online stores and processed transactions through Shopify. Shopify’s revenues surged 86% to $2.9b in FY 2020.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/47be367ae30fc395bd0cf9f998f5efc0\" tg-width=\"1106\" tg-height=\"574\"><span>(Source:Shopify)</span></p>\n<p>Shopify’s revenues can be broken down into two parts, subscriptions and merchant solutions. Subscriptions include the payments for monthly plans and merchant solutions include additional costs for doing business through Shopify, such as payment processing fees and costs associated with Shopify Shipping and point-of-sale terminals. Revenues from merchant solutions have become more important for Shopify over time as the platform developed its ecosystem and created new apps and products for its merchants to use.</p>\n<p>2020 was a banner year for Shopify and its merchants. The gross merchandise value, the amount cumulatively sold through Shopify, doubled from $61.1b before the pandemic to $119.6b a year later. While 2020 growth rates will likely decline in 2021 as normal retail businesses open their doors again, merchandise volumes will continue to grow as thee-commerce market expands. I estimate that Shopify’s GMV will reach $210b for FY 2021 and $340b next year.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/845466a2e9dd8dcae9d4d3c4542611c9\" tg-width=\"938\" tg-height=\"546\"><span>(Source: Shopify)</span></p>\n<p>Shopify’s FY 2020 gross profits also saw rapid growth. Gross profits surged 78% to $1.6b with more growth expected in FY 2021.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c2530faf2d14eb2bb0f90d05694eba0b\" tg-width=\"904\" tg-height=\"544\"><span>(Source: Shopify)</span></p>\n<p><b>Taking on Amazon</b></p>\n<p>Shopify’s merchant platform shows healthy growth in subscriber and merchant revenues and merchant revenues are going to continue to grow in importance as Shopify signs up new partners and develops its apps suite. This is quite predictable.</p>\n<p>Longer term, however, Shopify should emerge as a growing threat to Amazon because of its investments in fulfillment centers. Entering the physical space is the next step in Shopify’s evolution and Amazon should be worried. Amazon is still the largeste-commerce platform, by far, but Shopify’s move into fulfillment centers is set to narrow this existing gap between the two companies. Amazon’s share of US retaile-commerce share is 4.5 times larger than Shopify’s giving Shopify a lot of potential to catch up...</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5108b1c5dead03ebaec97df972ed74f7\" tg-width=\"891\" tg-height=\"600\"><span>(Source: Shopify)</span></p>\n<p>Building its own fulfillment centers makes strategic sense for Shopify since it solves problems that a lot of online retailers have. Fulfillment centers, as the same implies, take over the function of fulfillment. This means a merchant that sells on Shopify sends goods to a warehouse and Shopify takes over order processing and shipping in return for a fee. The benefit for the retailer is obvious: Reduced shipping times and optimized inventory management.</p>\n<p>The benefit for Shopify: It can collect more revenues by controlling the fulfillment part of the sales process. While Shopify will build new fulfillment centers in the US as part of a $1b investment plan, it also provides Shopify with the option to use its US fulfillment network as a springboard to enter markets outside the US and drive its international expansion.</p>\n<p>Shopify is cashed up after the pandemic year and has more than enough cash to finance its expansion which in the future will likely include the expansion into international fulfillment markets. Shopify’s balance sheet is healthy enough to support the platform’s growth.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b284d5316a0604662b9dd5af30215f3f\" tg-width=\"640\" tg-height=\"542\"><span>(Source:Shopify)</span></p>\n<p>If Shopify and Amazon were to go toe-to-toe, Amazon would have a distinct advantage… because it is so much bigger than Shopify and because its website is drawing the most traffic as the number onee-commerce platform in the US. Amazon is about ten times bigger than Shopify regarding market value and Amazon has sales that are more than one hundred times larger than Shopify’s… so the battle between these twoe-commerce companies can be seen as a battle between David and Goliath, with Amazon being the Goliath.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d5d0d062b9a02247c1e38dc5b0c23343\" tg-width=\"635\" tg-height=\"500\"><span>Data by YCharts</span></p>\n<p>But Shopify is growing its merchant platform fast and operates from a much smaller revenue base, which is easier to scale. Shopify has more than 1.7m merchants signed on to its platform from 175 countries and continually develops news complementary sources of revenues. In its latestproduct news, Shopify announced that it will make its “one-click checkout” available to all merchants selling on Facebook(NASDAQ:FB)&nbsp;and Google(NASDAQ:GOOG)(NASDAQ:GOOGL)using Shop Pay. The integration is set to lower the “abandoned card” problem many retailers have which is customers not completing the checkout process. Shop Pay could provide a remedy to this problem by making the checkout process easier and more efficient.</p>\n<p><b>Risks</b></p>\n<p>Margins ine-commerce are very thin and growing competition in the industry will make things worse long term. The easy and relatively low-cost entry into thee-commerce market could also turn out to be a problem longer term. Companies that win ine-commerce are companies like Shopify with their own ecosystems that create a moat and protect against competition. Slowing revenue growth and an overblown valuation may be the two biggest risks for Shopify.</p>\n<p><b>You pay for Shopify's growth...</b></p>\n<p>By the end of next year Shopify should be a $5b annual revenue company, but the critical revenue milestone could be reached much sooner if Shopify manages to grow as fast as it did during the pandemic. The expectation is for Shopify to earn $4.35-share on revenues of $4.4b in FY 2021 with revenues scaling to ten-fold to $42b this decade. I believe fulfillment centers alone represent a $1b annual revenue opportunity for Shopify long term. Revenues for FY 2022 should also be closer to $6.5b with the consensus calling for revenues of \"only\" $5.9b.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/add63adc4e771f68c7aa36779607334d\" tg-width=\"640\" tg-height=\"286\"><span>(Source: Seeking Alpha)</span></p>\n<p>Amazon still has a big lead on Shopify, but the twoe-commerce companies are set to go toe-to-toe long term. Every new product that Shopify rolls out and every new fulfillment center it builds brings Shopify one step closer to taking Amazon head-on. Although Shopify is more expensive than Amazon on a per-dollar-of-revenue basis, the merchant platform clearly has the stature and ambition to take on Amazon.</p>\n<p>Shopify trades at a P-S ratio of 28, but you pay for growth...</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/f2f713ad31e8c26c8d670a737c252cdb\" tg-width=\"635\" tg-height=\"419\"><span>Data by YCharts</span></p>\n<p><b>Final thoughts</b></p>\n<p>Shopify has an incredible long-term growth opportunity and Amazon should be worried.</p>\n<p>Shopify has proven to be a real innovator in the industry and constantly develops new products that make online shopping easier for both the online retailer and the merchant.</p>\n<p>Although Shopify has a much higher P-S ratio than Amazon, Shopify has more potential to grow because of its relatively smaller revenue base and market cap.</p>\n<p>The fulfillment center strategy makes a lot of strategic sense and will fortify Shopify's position in the e-commerce market. It can also fuel Shopify's international expansion.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Shopify: Valuation Should Not Be A Concern</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nShopify: Valuation Should Not Be A Concern\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-17 11:57 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4435237-shopify-set-to-fly-as-it-takes-on-amazon><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nShopify is a leading merchant platform empowering mostly small online retailers.\nShopify is set to grow revenues to $5b by 2023.\nFulfillment center strategy makes Shopify a long-term threat ...</p>\n\n<a href=\"https://seekingalpha.com/article/4435237-shopify-set-to-fly-as-it-takes-on-amazon\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SHOP":"Shopify Inc"},"source_url":"https://seekingalpha.com/article/4435237-shopify-set-to-fly-as-it-takes-on-amazon","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1117650695","content_text":"Summary\n\nShopify is a leading merchant platform empowering mostly small online retailers.\nShopify is set to grow revenues to $5b by 2023.\nFulfillment center strategy makes Shopify a long-term threat to Amazon.\nShopify is taking a larger bite out of the e-commerce market and the price is justified given Shopify's potential for rapid revenue growth.\n\nipopba/iStock via Getty Images\nShopify (SHOP) is a strong buy as the merchant platform takes a bigger and bigger bite out of the expanding e-commerce market and revenues are growing rapidly. Shopify is on its way to becoming a $5b annual revenue company and its fulfillment center strategy provides fertile ground for stock price appreciation. Amazon(NASDAQ:AMZN)should be worried.\nWhy Shopify is a strong buy\nShopify enables people to start an online business relatively fast and with very little cost. Itse-commerce platform offers a suite of integrated products and apps that includes marketing functionality, payment processing and customer engagement tools. Shopify’s core services are paid for on a subscription basis with the most basic plan starting at $29-month.\n(Source: Shopify)\nThee-commerce market is booming, not just because of the pandemic. The ease of shopping and the wide distribution of mobile devices made online shopping popular even before COVID-19 emerged. Globale-commerce sales are expected to rise in the future with some estimates calling for global online sales of $4.9 trillion in 2021... with sales growing 30% to $6.4 trillion by 2024.\n(Source:Oberlo)\nOnline sales are not only expected to grow in absolute terms but also relatively: E-Commerce is taking an ever-growing share of retail sales, a trend that accelerated during the 2020 pandemic year. Thee-commerce share of retail sales in 2020 was 18% and is projected to grow to 21.8% by 2024.\n(Source:Oberlo)\nGrowth ine-commerce and merchandise volumes are not dependent on one particular category either. People buy everything from fashion items to personal care products online. According to Hootsuite’sDigital 2021 Global Overview Report, money spent on travel and accommodation cratered 51% due to the pandemic but all other categories grew sales by at least 18% Y/Y.\n(Source: Digital 2021Global Overview Report)\nShopify also saw a year of revenue acceleration during the pandemic… just like Amazon did. As people lost their jobs because of COVID-19 and remote working became the new standard, Shopify’s merchant platform gained in popularity, too. The pandemic also helped shift a lot of purchasing power online as retail stores and small businesses shut their doors. Shopify benefited from these unfortunate trends by experiencing a surge in revenues as more retailers built online stores and processed transactions through Shopify. Shopify’s revenues surged 86% to $2.9b in FY 2020.\n(Source:Shopify)\nShopify’s revenues can be broken down into two parts, subscriptions and merchant solutions. Subscriptions include the payments for monthly plans and merchant solutions include additional costs for doing business through Shopify, such as payment processing fees and costs associated with Shopify Shipping and point-of-sale terminals. Revenues from merchant solutions have become more important for Shopify over time as the platform developed its ecosystem and created new apps and products for its merchants to use.\n2020 was a banner year for Shopify and its merchants. The gross merchandise value, the amount cumulatively sold through Shopify, doubled from $61.1b before the pandemic to $119.6b a year later. While 2020 growth rates will likely decline in 2021 as normal retail businesses open their doors again, merchandise volumes will continue to grow as thee-commerce market expands. I estimate that Shopify’s GMV will reach $210b for FY 2021 and $340b next year.\n(Source: Shopify)\nShopify’s FY 2020 gross profits also saw rapid growth. Gross profits surged 78% to $1.6b with more growth expected in FY 2021.\n(Source: Shopify)\nTaking on Amazon\nShopify’s merchant platform shows healthy growth in subscriber and merchant revenues and merchant revenues are going to continue to grow in importance as Shopify signs up new partners and develops its apps suite. This is quite predictable.\nLonger term, however, Shopify should emerge as a growing threat to Amazon because of its investments in fulfillment centers. Entering the physical space is the next step in Shopify’s evolution and Amazon should be worried. Amazon is still the largeste-commerce platform, by far, but Shopify’s move into fulfillment centers is set to narrow this existing gap between the two companies. Amazon’s share of US retaile-commerce share is 4.5 times larger than Shopify’s giving Shopify a lot of potential to catch up...\n(Source: Shopify)\nBuilding its own fulfillment centers makes strategic sense for Shopify since it solves problems that a lot of online retailers have. Fulfillment centers, as the same implies, take over the function of fulfillment. This means a merchant that sells on Shopify sends goods to a warehouse and Shopify takes over order processing and shipping in return for a fee. The benefit for the retailer is obvious: Reduced shipping times and optimized inventory management.\nThe benefit for Shopify: It can collect more revenues by controlling the fulfillment part of the sales process. While Shopify will build new fulfillment centers in the US as part of a $1b investment plan, it also provides Shopify with the option to use its US fulfillment network as a springboard to enter markets outside the US and drive its international expansion.\nShopify is cashed up after the pandemic year and has more than enough cash to finance its expansion which in the future will likely include the expansion into international fulfillment markets. Shopify’s balance sheet is healthy enough to support the platform’s growth.\n(Source:Shopify)\nIf Shopify and Amazon were to go toe-to-toe, Amazon would have a distinct advantage… because it is so much bigger than Shopify and because its website is drawing the most traffic as the number onee-commerce platform in the US. Amazon is about ten times bigger than Shopify regarding market value and Amazon has sales that are more than one hundred times larger than Shopify’s… so the battle between these twoe-commerce companies can be seen as a battle between David and Goliath, with Amazon being the Goliath.\nData by YCharts\nBut Shopify is growing its merchant platform fast and operates from a much smaller revenue base, which is easier to scale. Shopify has more than 1.7m merchants signed on to its platform from 175 countries and continually develops news complementary sources of revenues. In its latestproduct news, Shopify announced that it will make its “one-click checkout” available to all merchants selling on Facebook(NASDAQ:FB) and Google(NASDAQ:GOOG)(NASDAQ:GOOGL)using Shop Pay. The integration is set to lower the “abandoned card” problem many retailers have which is customers not completing the checkout process. Shop Pay could provide a remedy to this problem by making the checkout process easier and more efficient.\nRisks\nMargins ine-commerce are very thin and growing competition in the industry will make things worse long term. The easy and relatively low-cost entry into thee-commerce market could also turn out to be a problem longer term. Companies that win ine-commerce are companies like Shopify with their own ecosystems that create a moat and protect against competition. Slowing revenue growth and an overblown valuation may be the two biggest risks for Shopify.\nYou pay for Shopify's growth...\nBy the end of next year Shopify should be a $5b annual revenue company, but the critical revenue milestone could be reached much sooner if Shopify manages to grow as fast as it did during the pandemic. The expectation is for Shopify to earn $4.35-share on revenues of $4.4b in FY 2021 with revenues scaling to ten-fold to $42b this decade. I believe fulfillment centers alone represent a $1b annual revenue opportunity for Shopify long term. Revenues for FY 2022 should also be closer to $6.5b with the consensus calling for revenues of \"only\" $5.9b.\n(Source: Seeking Alpha)\nAmazon still has a big lead on Shopify, but the twoe-commerce companies are set to go toe-to-toe long term. Every new product that Shopify rolls out and every new fulfillment center it builds brings Shopify one step closer to taking Amazon head-on. Although Shopify is more expensive than Amazon on a per-dollar-of-revenue basis, the merchant platform clearly has the stature and ambition to take on Amazon.\nShopify trades at a P-S ratio of 28, but you pay for growth...\nData by YCharts\nFinal thoughts\nShopify has an incredible long-term growth opportunity and Amazon should be worried.\nShopify has proven to be a real innovator in the industry and constantly develops new products that make online shopping easier for both the online retailer and the merchant.\nAlthough Shopify has a much higher P-S ratio than Amazon, Shopify has more potential to grow because of its relatively smaller revenue base and market cap.\nThe fulfillment center strategy makes a lot of strategic sense and will fortify Shopify's position in the e-commerce market. It can also fuel Shopify's international expansion.","news_type":1},"isVote":1,"tweetType":1,"viewCount":671,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":165236260,"gmtCreate":1624145676650,"gmtModify":1703829269613,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/165236260","repostId":"1111305468","repostType":4,"repost":{"id":"1111305468","pubTimestamp":1624025497,"share":"https://ttm.financial/m/news/1111305468?lang=&edition=fundamental","pubTime":"2021-06-18 22:11","market":"us","language":"en","title":"Investors Leap at Chance to Double Their Money in 1,387 Years","url":"https://stock-news.laohu8.com/highlight/detail?id=1111305468","media":"Bloomberg","summary":"Want to know how sensitive investors are to tiny differences in interest rates? Look at what happene","content":"<p>Want to know how sensitive investors are to tiny differences in interest rates? Look at what happened after the Federal Reserve decided June 16 to raise&nbsp;the rate it pays on its overnight reverse repurchase facility to 0.05% from 0.00%.&nbsp;You’d need&nbsp;1,387 years to double your money at that puny rate. Still, it was enough to draw in $756 billion in funds on June 17, a 45% increase from when the Fed was paying a flat zero.</p>\n<p>That’s “just another affirmation of the glut of cash seeking any positive return,”&nbsp;Jonathan Cohn, a strategist at Credit Suisse Group AG, told Bloomberg.</p>\n<p>The massive flows of short-term money are mostly invisible to the general public, but they’re vital to big players such as money market mutual funds and Fannie Mae and Freddie Mac, the two giant companies&nbsp;in government conservatorship whose purchases of mortgage loans affect rates for homebuyers. Fannie, Freddie, and the money funds are believed to be among the big players that poured their spare cash into the Fed’s&nbsp;reverse repurchase facility—a kind of overnight parking lot for money—on June 17.</p>\n<p>There are differences of opinion over whether the Fed’s rate increase was necessary or wise. Zoltan Pozsar, the global head of short-term interest rate strategy for Credit Suisse, says the hike—as small as it might seem to a layperson—was too big. “I was arguing that there is no need to adjust anything,” Pozsar says. For the big players that are taking advantage of the Fed’s facility, he says, “It’s like Christmastime in the middle of summer.”</p>\n<p>Pozsar argues that the previous rate of zero was high enough because it ensured that the federal funds rate would not fall below the Fed’s target range of&nbsp;zero to 0.25%:&nbsp;Presumably&nbsp;no bank&nbsp;would lend federal funds at less than zero if it&nbsp;could earn zero&nbsp;by stashing money at the Fed’s reverse repurchase facility. Raising the overnight reverse repurchase rate to 0.05%, Pozsar says, makes it too much of a lure for money. “They basically turned an innocent facility that was serving as a floor to something more menacing that’s sucking money out of the system,” he says.</p>\n<p>Not everyone sees things&nbsp;that way. The rate hike certainly made life easier for money funds, which strive not&nbsp;to “break the buck”—that is, give investors back less money than they put in. It was&nbsp;hard to meet that commitment when the funds were earning zero and had to cover salaries and other expenses.</p>\n<p>The fear that the Fed’s facility will suck too much money out of the banking system (which Iwrote aboutlast week) is theoretical for now because banks are actually trying to shed deposits for various reasons, including regulations that make it costly for them to take in deposits and stash the money in Treasury securities or reserves at the Fed. If banks did decide they were losing too much in deposits to the Fed, they could simply raise deposit rates and pull the money back.</p>\n<p>Lorie Logan, an executive vice president of the Federal Reserve Bank of New York, who runs the bank’s trading desk, said in an April 15speechthat fears that the overnight reverse repurchase facility would suck too much money from the financial system “have not materialized in the intervening years, even through various periods of market stress.”</p>\n<p>Meanwhile, anyone stashing $1 billion&nbsp;in the facility can look forward to taking out $2 billion—in the year 3,408.</p>","source":"lsy1584095487587","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Investors Leap at Chance to Double Their Money in 1,387 Years</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nInvestors Leap at Chance to Double Their Money in 1,387 Years\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-18 22:11 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.bloomberg.com/news/articles/2021-06-18/investors-leap-at-chance-to-double-their-money-in-1-387-years><strong>Bloomberg</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Want to know how sensitive investors are to tiny differences in interest rates? Look at what happened after the Federal Reserve decided June 16 to raise the rate it pays on its overnight reverse ...</p>\n\n<a href=\"https://www.bloomberg.com/news/articles/2021-06-18/investors-leap-at-chance-to-double-their-money-in-1-387-years\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".DJI":"道琼斯","FNMA":"房利美","FMCC":"房地美"},"source_url":"https://www.bloomberg.com/news/articles/2021-06-18/investors-leap-at-chance-to-double-their-money-in-1-387-years","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1111305468","content_text":"Want to know how sensitive investors are to tiny differences in interest rates? Look at what happened after the Federal Reserve decided June 16 to raise the rate it pays on its overnight reverse repurchase facility to 0.05% from 0.00%. You’d need 1,387 years to double your money at that puny rate. Still, it was enough to draw in $756 billion in funds on June 17, a 45% increase from when the Fed was paying a flat zero.\nThat’s “just another affirmation of the glut of cash seeking any positive return,” Jonathan Cohn, a strategist at Credit Suisse Group AG, told Bloomberg.\nThe massive flows of short-term money are mostly invisible to the general public, but they’re vital to big players such as money market mutual funds and Fannie Mae and Freddie Mac, the two giant companies in government conservatorship whose purchases of mortgage loans affect rates for homebuyers. Fannie, Freddie, and the money funds are believed to be among the big players that poured their spare cash into the Fed’s reverse repurchase facility—a kind of overnight parking lot for money—on June 17.\nThere are differences of opinion over whether the Fed’s rate increase was necessary or wise. Zoltan Pozsar, the global head of short-term interest rate strategy for Credit Suisse, says the hike—as small as it might seem to a layperson—was too big. “I was arguing that there is no need to adjust anything,” Pozsar says. For the big players that are taking advantage of the Fed’s facility, he says, “It’s like Christmastime in the middle of summer.”\nPozsar argues that the previous rate of zero was high enough because it ensured that the federal funds rate would not fall below the Fed’s target range of zero to 0.25%: Presumably no bank would lend federal funds at less than zero if it could earn zero by stashing money at the Fed’s reverse repurchase facility. Raising the overnight reverse repurchase rate to 0.05%, Pozsar says, makes it too much of a lure for money. “They basically turned an innocent facility that was serving as a floor to something more menacing that’s sucking money out of the system,” he says.\nNot everyone sees things that way. The rate hike certainly made life easier for money funds, which strive not to “break the buck”—that is, give investors back less money than they put in. It was hard to meet that commitment when the funds were earning zero and had to cover salaries and other expenses.\nThe fear that the Fed’s facility will suck too much money out of the banking system (which Iwrote aboutlast week) is theoretical for now because banks are actually trying to shed deposits for various reasons, including regulations that make it costly for them to take in deposits and stash the money in Treasury securities or reserves at the Fed. If banks did decide they were losing too much in deposits to the Fed, they could simply raise deposit rates and pull the money back.\nLorie Logan, an executive vice president of the Federal Reserve Bank of New York, who runs the bank’s trading desk, said in an April 15speechthat fears that the overnight reverse repurchase facility would suck too much money from the financial system “have not materialized in the intervening years, even through various periods of market stress.”\nMeanwhile, anyone stashing $1 billion in the facility can look forward to taking out $2 billion—in the year 3,408.","news_type":1},"isVote":1,"tweetType":1,"viewCount":464,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":165233486,"gmtCreate":1624145485745,"gmtModify":1703829266518,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Great!","listText":"Great!","text":"Great!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/165233486","repostId":"1192473918","repostType":4,"repost":{"id":"1192473918","pubTimestamp":1624029343,"share":"https://ttm.financial/m/news/1192473918?lang=&edition=fundamental","pubTime":"2021-06-18 23:15","market":"us","language":"en","title":"PLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today","url":"https://stock-news.laohu8.com/highlight/detail?id=1192473918","media":"investorplace","summary":"Palantir Technologies(NYSE:PLTR) stock is on the move Friday following news of a deal with the Feder","content":"<p><b>Palantir Technologies</b>(NYSE:<b><u>PLTR</u></b>) stock is on the move Friday following news of a deal with the Federal Aviation Administration (FAA).</p>\n<p>The goal of this deal is toassist the FAA in modernizing its ” objectives for aviation safety.”This will have Palantir Technologies providing the agency with a data analyzing tool to help with that effort.</p>\n<p>According to a news release, this will have Palantir Technologies monitoring various safety aspects for the FAA. That includes reintegrating the 737 MAX fleet back into service after it was suspended due to fatal crashes.</p>\n<p>Palantir Technologies’ deal with the FAA is set to last for one year. However, there’s also the option to extend it by up to two years. The agreement has a maximum value of $18.4 million.</p>\n<p>Akash Jain, president of Palantir USG, said the following about the agreement with the FAA that should have PLTR stock gaining today.</p>\n<blockquote>\n “We are proud to be partnering with the Federal Aviation Administration to support their critical safety mission.”\n</blockquote>\n<p>The fact that PLTR stock is actually moving lower today despite this news is strange. The company’s shares did start off rising in early morning trading, but quickly fell back down to yesterday’s close before dipping even lower.</p>\n<p>It’s also worth noting that trading volume isn’t taking off on news of the FAA deal, either. As of this writing, more than 20 million shares of PLTR stock had changed hands. That’s still well below the company’s daily average trading volume of 57.8 million shares.</p>\n<p>PLTR stock was down 1.1% as of Friday morning.</p>","source":"lsy1606302653667","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>PLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-18 23:15 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2021/06/pltr-stock-the-palantir-faa-deal-news-should-have-investors-smiling-today/><strong>investorplace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Palantir Technologies(NYSE:PLTR) stock is on the move Friday following news of a deal with the Federal Aviation Administration (FAA).\nThe goal of this deal is toassist the FAA in modernizing its ” ...</p>\n\n<a href=\"https://investorplace.com/2021/06/pltr-stock-the-palantir-faa-deal-news-should-have-investors-smiling-today/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PLTR":"Palantir Technologies Inc."},"source_url":"https://investorplace.com/2021/06/pltr-stock-the-palantir-faa-deal-news-should-have-investors-smiling-today/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1192473918","content_text":"Palantir Technologies(NYSE:PLTR) stock is on the move Friday following news of a deal with the Federal Aviation Administration (FAA).\nThe goal of this deal is toassist the FAA in modernizing its ” objectives for aviation safety.”This will have Palantir Technologies providing the agency with a data analyzing tool to help with that effort.\nAccording to a news release, this will have Palantir Technologies monitoring various safety aspects for the FAA. That includes reintegrating the 737 MAX fleet back into service after it was suspended due to fatal crashes.\nPalantir Technologies’ deal with the FAA is set to last for one year. However, there’s also the option to extend it by up to two years. The agreement has a maximum value of $18.4 million.\nAkash Jain, president of Palantir USG, said the following about the agreement with the FAA that should have PLTR stock gaining today.\n\n “We are proud to be partnering with the Federal Aviation Administration to support their critical safety mission.”\n\nThe fact that PLTR stock is actually moving lower today despite this news is strange. The company’s shares did start off rising in early morning trading, but quickly fell back down to yesterday’s close before dipping even lower.\nIt’s also worth noting that trading volume isn’t taking off on news of the FAA deal, either. As of this writing, more than 20 million shares of PLTR stock had changed hands. That’s still well below the company’s daily average trading volume of 57.8 million shares.\nPLTR stock was down 1.1% as of Friday morning.","news_type":1},"isVote":1,"tweetType":1,"viewCount":272,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":168870948,"gmtCreate":1623972701384,"gmtModify":1703824898620,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"great","listText":"great","text":"great","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/168870948","repostId":"1182176652","repostType":4,"isVote":1,"tweetType":1,"viewCount":332,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":196343296,"gmtCreate":1621031311015,"gmtModify":1704352085879,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Time to buy!","listText":"Time to buy!","text":"Time to buy!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/196343296","repostId":"1115487503","repostType":4,"isVote":1,"tweetType":1,"viewCount":473,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":9992990539,"gmtCreate":1661237705324,"gmtModify":1676536480925,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Baba is a good stock&nbsp;to monitor. Regulatory risk remains a concern.","listText":"Baba is a good stock&nbsp;to monitor. Regulatory risk remains a concern.","text":"Baba is a good stock to monitor. Regulatory risk remains a concern.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9992990539","repostId":"1197555902","repostType":4,"isVote":1,"tweetType":1,"viewCount":341,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":124164870,"gmtCreate":1624754348090,"gmtModify":1703844384900,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"A different way to look at the purpose of&nbsp;Apple TV+","listText":"A different way to look at the purpose of&nbsp;Apple TV+","text":"A different way to look at the purpose of Apple TV+","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/124164870","repostId":"1189436009","repostType":4,"isVote":1,"tweetType":1,"viewCount":618,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":143225790,"gmtCreate":1625797082110,"gmtModify":1703748746103,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Cost of change is high once you are ingrained into their ecosystem.","listText":"Cost of change is high once you are ingrained into their ecosystem.","text":"Cost of change is high once you are ingrained into their ecosystem.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/143225790","repostId":"1140589344","repostType":2,"repost":{"id":"1140589344","pubTimestamp":1625643438,"share":"https://ttm.financial/m/news/1140589344?lang=&edition=fundamental","pubTime":"2021-07-07 15:37","market":"us","language":"en","title":"Amazon And Apple Are Coiled Springs About To Explode To The Upside","url":"https://stock-news.laohu8.com/highlight/detail?id=1140589344","media":"seeking alpha","summary":"Amazon and Apple have been left out of 2021's market rally underperforming the S&P index and their other tech conglomerate peers.An opportunity is being presented to investors as both Amazon and Apple are in the midst of record-breaking years from a financial standpoint.As a shareholder, I would love to see Amazon do a stock split and Apple allocate more to its dividend than buybacks.Over the years, AMZN's runway of growth has correlated to gigantic returns for shareholders. Over the past10 year","content":"<p>Summary</p>\n<ul>\n <li>Amazon and Apple have been left out of 2021's market rally underperforming the S&amp;P index and their other tech conglomerate peers.</li>\n <li>An opportunity is being presented to investors as both Amazon and Apple are in the midst of record-breaking years from a financial standpoint.</li>\n <li>I am not worried about either Amazon or Apple being broken up as neither fit the premise of a monopoly.</li>\n <li>As a shareholder, I would love to see Amazon do a stock split and Apple allocate more to its dividend than buybacks.</li>\n</ul>\n<p>Who would have thought that out of the big tech conglomerates, Amazon (AMZN) and Apple(NASDAQ:AAPL)would be the worst investments for the first half of 2021? AMZN has appreciated 7.35%, while AAPL is up 5.55% since the beginning of the year. Compared to the SPDR S&amp;P 500 Trust ETF (SPY) (16.22%), Microsoft (MSFT) (25.71%), Facebook (FB) (31.10%), and Alphabet(NASDAQ:GOOG)(GOOGL) (41.33%), shares of AMZN and AAPL are being left behind. AMZN and AAPL have barely contributed to the major indexes reaching all-time highs in 2021, and nothing they seem to do impresses the investment community. With the story of growth spilling over into 2021 and the latest short squeeze, sticking it to the hedge fund craze, I believe AMZN and AAPL's accomplishments are being overlooked.</p>\n<p>Sometimes opportunities hide in plain sight. Access to information in 2021 is a 24/7 business as the headlines never stop. With so much focus on GameStop (GME), AMC Entertainment (AMC), and SPACs, it's not surprising that investors overlook what is occurring with AMZN and AAPL. These companies are tech royalty and unleashed huge earnings beats in Q1 of 2021 while delivering record-breaking year-end results for 2020, yet the market shrugged it off. Over the years, big tech has delivered lucrative returns for shareholders, and I believe these investments still offer significant upside in the future. The music isn't stopping, AMZN and AAPL won't be left without a chair, and they will still be dominant forces for years to come. Going into Q2 earnings at the end of July, I believe picking up shares of AMZN or AAPL is an excellent play as we turn the quarter to the second half of 2021 and approach the holiday season.</p>\n<p>(Source: Seeking Alpha)</p>\n<p><b>Amazon continues to deliver even if its share price has traded sideways in 2021</b></p>\n<p>Over the years, AMZN's runway of growth has correlated to gigantic returns for shareholders. Over the past10 years, AMZN has increased by 1,582.31% while generating 389.72% in gains for the past five years. Compared to the rest of big tech and the S&amp;P 500 Index, AMZN has underperformed, generating single-digit gains in 2021 while the S&amp;P has exceeded 16% in appreciation. The market hasn't gotten the memo that AMZN's runway for growth isn't decreasing, and AMZN has become a true profit center adding to the bottom line and shareholder equity. On2/2/21, we learned that AMZN crossed the $100 billion revenue mark in Q4 2020 for the first time as they delivered $125.55 billion in revenue, an increase of 43.6% YoY, beating estimates by $5.82 billion. In Q4 2020, AMZN obliterated EPS estimates by $6.96 as they generated $14.09 in EPS. AMZN alsogenerated$6.87 billion in operating income and $31 billion in free cash flow (FCF) for 2020, increasing 20% YoY. AMZNfollowed upwith an explosive Q1 to start 2021, keeping their revenue above the $100 billion mark at $108.52 billion, increasing 43.7% YoY while beating estimates by $3.89 billion. Just like a great music album, the hits kept coming as AMZN generated $15.79 of EPS, operating cash flow increased to $67.2 billion, up 69% in the trailing twelve months (TTM). Its FCF increased to $26.4 billion in the TTM compared to $24.3 billion for the TTM that ended on 3/31/20.</p>\n<p>When I read throughAMZN's previous two quarters, I am baffled how their shares are trailing the S&amp;P, at the very least. How the market isn't getting excited about this growth is ridiculous. Going back to Q1 2017, AMZN has increased its overall Q1 revenue by $72.80 billion, or 203.85%. Q1 sets the stage for the year, and AMZN is already starting off exceeding the $100 billion revenue mark. If AMZN was to see zero growth in Q2, Q3, and Q4, which is extremely unlikely, they would finish 2021 with $434.07 billion in revenue, an increase of 12.44% or $48.01 billion. Looking at AMZN's previous history, its average quarterly growth rate YoY in Q2, Q3, and Q4 exceeded 28%. If AMZN delivers revenue in the next three quarters 50% less than their average growth rates, it will finish 2021 with $465.96 billion in revenue. If their averages hold up, AMZN will come dangerously close to breaching $500 billion with $498.30 billion in revenue for 2021. AMZN generated $88.9 billion in revenue for Q2 of 2020, and it expects to deliver $110-$116 billion in revenue for Q2 of 2021. If AMZN comes in at $110 billion, that will increase by $21.1 billion (23.73%) YoY. AMZN will likely generate over $450 billion revenue for 2021 as on the low-end, it will have generated $208.52 billion for the first half of 2021 once Q2 earnings are released.</p>\n<p><img src=\"https://static.tigerbbs.com/e0238d2575d6cb248ff8e803ab0d6a49\" tg-width=\"640\" tg-height=\"360\" referrerpolicy=\"no-referrer\"></p>\n<p>(Source: Steven Fiorillo) (Data Source: Amazon)</p>\n<p>AMZN isn't just spending money for the sake of generating increased amounts of revenue; it's flowing to the bottom line. Since 2017, including the TTM for 2021, AMZN has increased its net income by $24.53 billion or 1,034.67%. The net income generated in Q1 2021 ($8.11 billion) is where things get interesting. For the entire year of 2020, AMZN generated $26.90 billion in net income. In Q1 of 2021, AMZN's net income didn't decrease from Q4 2020, and they generated $8.11 billion in net income, which was 30.13% of the total net income generated in 2020. AMZN is generating profits hand over fist and they are increasing QoQ. AMZN's growth engine is alive and well, as it is on track to generate almost all of 2020's net income in the first nine months of 2021, setting the stage for another record along with revenue generated. The market is overlooking these growth metrics, which is creating an opportunity for investors.</p>\n<p>(Source: Amazon)</p>\n<p>As AMZN crushes earnings estimates and generates increased revenue and profits, I am not sure if people realize what's happening to AMZN's balance sheet. In the past three fiscal years of 2018, 2019, and 2020, AMZN's total equity has increased by $65.7 billion (237.09%) from $27.71 billion to $93.40 billion. In Q1 2021, total equity increased by $9.92 billion (10.62%) as it exceeded $103 billion. AMZN is firing on all cylinders, and its newfound revenue is paving the way for increased profits and total equity in AMZN. Why the market isn't celebrating this is perplexing, but eventually, the tide will turn, and I think Amazon will be right up there with Google and Facebook in 2021 returns.</p>\n<p><b>Apple continues to establish new records and push the envelope of what companies can achieve</b></p>\n<p>Love them or hate them, Apple is an iconic American company with a cult-like following. AAPL users are some of the most loyal customers and often purchase several items throughout its ecosystem. It's hard to determine which is America's best company, but if we're going by market cap, AAPL wears the crown. Apple may not generate the most revenue as Amazon and Walmart(NYSE:WMT)exceed the revenue AAPL produces annually. AAPL may not have the best net income conversion ratio as MSFT and FB both have better ratios. AAPL builds products and develops services that engage their following and become integral to their everyday lives. This has allowed AAPL to generate the largest amount of profits of any company I know of. In 2020, AAPL generated $57.41 billion in net income, which was $43.9 billion more than WMT, yet WMT produced $559.15 billion in revenue from its operations. AAPL's $57.41 billion in net income was also $28.26 billion larger than FB, while FB converted the largest amount of net income from its revenue at a rate of 33.9% from the big tech conglomerates.</p>\n<p>The only thing different about 2021 is AAPL's share price isn't appreciating. Since I thought AMZN was bad, I guess AAPL's price action is horrible. Over the past ten years,AAPLhas appreciated by 1,042.46% and 473.05% over the past five years. AAPL has made their shareholders very happy, from stock splits to buybacks, dividends, and price appreciation, but many have asked is the magic gone? I have written several articles on AAPL, and the number of negative comments about AAPL and its management team is mind-blowing. So who's correct, the bears or the bulls? Are AAPL's best days behind them, or are they just getting started? Only time will tell, but the way I interpret the data indicates AAPL's best days could be ahead of them.</p>\n<p>I believe investors have been given a gift as shares of AAPL have been unable to break out and form its next leg upward. Is AAPL too expensive, under $140? I don't believe so. The facts are AAPL's growth isn't stopping, and the 2021 fiscal year has been a home run even if the market is treating it like it just hit singles in Q1 and Q2. In the fiscal year 2020, which ends in September for AAPL, they generated $274.52 billion in revenue, $57.41 billion in net income, and delivered $3.31 in EPS. 2020 was a record year for AAPL in revenue and EPS while a close second in net income.</p>\n<p>So what's going wrong in 2021, and why is AAPL treading water? Nothing is wrong as AAPL is firing on all cylinders, and it's unexplainable why shares have been left of 2021's market rally.In Q1 of the fiscal year 2021, AAPL posted record-breaking revenue with $111.4 billion, which increased 21% YoY, EPS of $1.68, up 36% YoY, and net income of $28.76 billion. InQ2 of the fiscal year 2021, AAPL generated $89.6 billion in revenue, EPS of $1.40, and net income of $23.63 billion. For the first six months of 2021, AAPL has delivered an increase of $44.29 billion (35.7%) in total revenue, $18.9 billion (56.44%) in net income, and $1.2 (62.83%) in EPS from its first six months of 2020. Putting that in perspective, AAPL has already delivered 61.33% of the total revenue, 91.25% of the total net income, and 93.96% of EPS in the first six months of operations compared to what was generated throughout the entire 2020 fiscal year. How hasn't this been in the headlines, and why are people consumed with GME, AMC, and straight-up speculation? What's Mr. Market going to do when AAPL delivers Q3 earnings on 7/29/21 (estimated), and they overwhelmingly exceed the amount of net income and EPS generated in 2020 in just nine months? If people want growth, look at AAPL's numbers. They're not producing these increases off of $1 billion revenue and $100 million net income. It's shocking but fine with me as I add shares before AAPL's next leg up.</p>\n<p>(Source: Steven Fiorillo) (Data Source: Apple)</p>\n<p><b>As a shareholder of Amazon and Apple, this is what I wish they would do</b></p>\n<p>I am interested to see if the Seeking Alpha community agrees with me. I haven't been very vocal about this, but there are two things I wish AMZN and AAPL would do. I want AMZN to do a stock split. Yes, I understand that ten shares of a $1,000 stock and 100 shares of a $100 stock is the same amount of equity in a company. I also understand that if the $1,000 stock goes to $1,500 and the $100 stock goes to $150, both are a 50% increase, and an investor would generate the same return as both investments would be worth $15,000. I want AMZN to do a significant stock split so more people could afford to own shares of AMZN. If AMZN does a 40 for 1 split, the company still has the same valuation but shares now become affordable for many investors. A stock split doesn't matter for some shareholders, and they would reference what the price of Berkshire Hathaway (BRK.A)(NYSE:BRK.B)shares have done, and Warren Buffett has never paid a dividend or split the shares. As AMZN has become one of the most iconic companies in America, I think it would be great if more investors could invest directly into AMZN without buying either fractional shares or an ETF where AMZN is one of the largest holdings. If AMZN did a large split, what would that do for the volume and price action of the stock? AAPL hasn't been shy about making its shares affordable for most investors, and I think AMZN should follow suit.</p>\n<p>I am moving on to AAPL, enough with the vast capital allocation to buybacks. AAPL's return of capital is second to none, and not a single company is as shareholder-friendly as AAPL. Since the fiscal year 2012, AAPL has returned $550 billion to shareholders through dividends and buybacks. I read many earnings reports, and there isn't a single company I know of that comes relatively close to these numbers. In Q2, the Board of Directors at AAPL authorized an increase of $90 billion to the existingshare repurchase program. I get it; AAPL wants to maintain a net-zero cash position and reward shareholders. AAPL generates so much free cash flow, operating income, and net income that it can fund their growth and any business endeavors they would like to embark on while still rewarding shareholders.</p>\n<p>So what would I love to see AAPL do? I think it would be more beneficial to redirect a significant portion of capital allocated to buybacks to its dividend. In Q1 and Q2 of 2021, AAPL allocated $43 billion to buybacks and $7 billion to its dividend.AAPL's dividendis a whopping $0.88 per share, which is a 0.64% yield. AAPL's payout ratio is 17.06%, and can certainly afford to increase the dividend. In 2021's fiscal year, AAPL has paid $0.44 per share of its annual dividend, costing them $7 billion. AAPL has given back $50 billion of capital in 2021 to shareholders, $43 billion in buybacks, and $7 billion in dividends. As a shareholder, I would be so much happier if $28 billion was allocated to the dividend and $22 billion to buybacks over the first six months of the fiscal year 2021. Think about it; that would mean AAPL would have paid its shareholders $1.76 per share instead of $0.44. This would make the annual dividend $3.52 instead of $0.88. A dividend of $3.52 per share would put AAPL at a forward yield of roughly 2.57%.</p>\n<p>AAPL has more than enough firepower to make this happen. AAPL could even go to 3% without blinking. How much more enticing of an investment would AAPL be with a 3% dividend? I think putting a greater focus on the dividend would benefit existing shareholders more than focusing on buybacks. I am not saying buybacks are bad by any means, but I think it's time for AAPL to allocate more capital to its dividend. I am interested to know if you agree, so please comment below and let me know.</p>\n<p><b>I believe classifying Amazon or Apple as a monopoly is incorrect, and as a shareholder, I am not worried about either company being broken up</b></p>\n<p>I am not a lawyer, and I didn't go to law school, so this isn't legal advice. It's strictly my opinion.</p>\n<p>First, what is a monopoly? A company will be considered a monopoly if there is an absence of competition in the marketplace, leading to increased costs for the consumer for inferior products and services. For a company to be classified as a monopoly, it would need to have total or near-total control of a market while its product offerings dominate a sector or industry. When a company has become a monopoly, it can use its position to create unfair business advantages by fixing prices, creating artificial scarcities causing inflated prices, and stifle competition by eliminating new competitors and creating a market where consumers don't have a choice of products. When a company becomes a monopoly, the market it operates in becomes inefficient, unfair, and unequal to the consumers and other businesses. Now by that description of a monopoly, does AMZN or AAPL fit that description?</p>\n<p>How is AMZN a monopoly? In the fiscal year of2020, AMZNgenerated $386.06 billion in revenue. $236.28 billion or 61% came from North America, excluding revenue from AWS. AMZN's success in 2020 didn't stop the following companies from generating large amounts of revenue as well:</p>\n<ul>\n <li>Walmart(WMT) $559.15 billion</li>\n <li>Costco(COST) $166.76 billion</li>\n <li>Walgreens(WBA) $139.54 billion</li>\n <li>The Kroger Co.(KR) $132.5 billion</li>\n <li>The Home Depot(HD) $132.11 billion</li>\n <li>Target(TGT) $92.4 billion</li>\n <li>Lowe's Companies(LOW) $89.6 billion</li>\n <li>Dollar General(DG) $33.75 billion</li>\n <li>Dollar Tree(DLTR) $25.51 billion</li>\n <li>Macy's(M) $17.35 billion</li>\n <li>Etc.</li>\n</ul>\n<p>The National Retail Foundation publishes a list of the top100 retailersin the U.S. on an annual basis. The 2020 list equaled $3.3 trillion in combined revenue. WMT came in at the top spot with $523.96 billion, equivalent to 16.39% of the top 100's combined revenue. AMZN was the runner-up in second place with $250.5 billion of revenue, accounting for 7.8% of the entire top 100. Going strictly by the numbers, I am not seeing how AMZN could be considered a monopoly as there are many competitors, and AMZN does not have a controlling interest in the sector.</p>\n<p><img src=\"https://static.tigerbbs.com/c6ae96a0668d39c1279e165b229bbc33\" tg-width=\"640\" tg-height=\"488\" referrerpolicy=\"no-referrer\"></p>\n<p>(Source:AMZN)</p>\n<p>Could you consider AMZN a monopoly in shipping? I would say no, considering the United States Post Office, FedEx (FDX), UPS (UPS), and XPO Logistics (XPO) are all independent organizations that have not been put out of business by AMZN. In addition, companies such as WMT and TGT have enhanced their internal logistics to move products around the country quicker.</p>\n<p>How about thecloud? Is AMZN a monopoly there? Going by the classification of a monopoly, I would have to say no; AMZN does not have a monopoly on cloud services. While they have the largest position with almost 1/3rd of the revenue, cloud infrastructure spending has increased QoQ sequentially since Q1 2018, and AMZN's market share has trended sideways. While AMZN's AWS revenue increases, their market share isn't, which means new business is also finding its way to companies such as MSFT, GOOGL, and Alibaba (BABA). Competition, provider options, and competitive pricing all occur in the cloud space as AMZN faces extensive competition from other tech giants with deep financial resources.</p>\n<p><img src=\"https://static.tigerbbs.com/5bc355a07746c16ba3197b19a1a6b6c4\" tg-width=\"640\" tg-height=\"434\" referrerpolicy=\"no-referrer\"></p>\n<p>(Source: Synergy Research Group)</p>\n<p>(Source: Canalys)</p>\n<p>What about AAPL? Could they be classified as a monopoly? This is a crazier theory than AMZN. There are three main hardware categories which include desktop, mobile, and tablets, where AAPL operates. AAPL has a 15.57% market share behind MSFT's 72.97% on a global stage fordesktop operating systems. Looking at theU.S.alone, AAPL has a 27.82% market share vs. 61.48% from MSFT. This stat will shock people as AAPL has 26.35% of theglobal mobile operating system market sharewith iOS through its phones while Android has more than 2/3rds with 72.83%. In theU.S.alone, AAPL does have 57.68% of the market share in mobile operating systems, followed by 42% from Android. Intablets, AAPL has 56.39% of the market compared to Androids 43.52% on a global scale, and the metrics are similar in theU.Sas AAPL has 57.74% of the market while Android has 42.17%.</p>\n<p>Apple, Google, and Microsoft are global companies, and on a combined scale, 41.5% of theglobal operating systemsfall under Android, 30.57% with Microsoft, and 22.61% with Apple. In theU.S.alone, as its own segment, AAPL has 43.3% of the market while MSFT has 29.44% and GOOGL has 21.84%. Is this a monopoly? I wouldn't classify it as one. AAPL isn't price-fixing, and they certainly don't have an unfair advantage. Consumers have choices in the product offerings available to them, and there is healthy competition among AAPL, MSFT, and GOOGL. The consumer market is speaking loudly that their preference is AAPL in some categories and not others. If AAPL was to hike up their prices by 25% or 50%, consumers would still have other options and could choose to leave the AAPL environment. AAPL has stayed competitive in its pricing methodology over the years, and I can't see how they could be considered a monopoly.</p>\n<p><img src=\"https://static.tigerbbs.com/4100457cfb03a212a0a0e0750003d052\" tg-width=\"640\" tg-height=\"516\" referrerpolicy=\"no-referrer\"></p>\n<p>(Source: StatCounter)</p>\n<p>I am sick and tired of hearing the words antitrust, monopoly, monopolistic, Amazon, and Apple used in the same sentences. Newsflash, Amazon and Apple are not lawmaking bodies and didn't write a single law in the United States. The United States government defined, created, and established the rules. Amazon and Apple hired specialists in the respective fields of accounting and law to navigate and operate within the established rules. If Amazon or Apple committed any wrongdoing, there are countermeasures as the IRS and SEC would investigate and bring charges forward. I am not a lawyer, but I can't see how anyone could prove AMZN or AAPL is a monopoly. As a shareholder, I am not worried about AAPL or AMZN being broken up.</p>\n<p><b>Conclusion</b></p>\n<p>The first six months are over for 2021, and earnings season is a couple of weeks away. I believe AMZN and AAPL present golden opportunities as they are underperforming the S&amp;P index and the other tech conglomerates, including GOOGL, FB, and MSFT. AMZN and AAPL are on track to deliver record years across many financial metrics, yet Mr. Market hasn't been excited. I believe too much emphasis has been placed on MEME stocks, while many headlines are written to generate clicks. AMZN is on track to generate more than $450 billion in revenue for 2021, increasing $63.94 billion (16.56%) while significantly enlarging its net income and shareholder equity. Without a shadow of a doubt, AAPL will exceed 2020's total net income and EPS once its Q3 numbers are posted, and Q4's results will leave people astonished. I think the narrative will change in the upcoming weeks, and shares of AAPL and AMZN will act like a coiled spring and break out to the upside.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Amazon And Apple Are Coiled Springs About To Explode To The Upside</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAmazon And Apple Are Coiled Springs About To Explode To The Upside\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-07 15:37 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4437594-amazon-apple-coiled-springs-about-to-explode-to-upside><strong>seeking alpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nAmazon and Apple have been left out of 2021's market rally underperforming the S&P index and their other tech conglomerate peers.\nAn opportunity is being presented to investors as both Amazon...</p>\n\n<a href=\"https://seekingalpha.com/article/4437594-amazon-apple-coiled-springs-about-to-explode-to-upside\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMZN":"亚马逊","09086":"华夏纳指-U","03086":"华夏纳指","QNETCN":"纳斯达克中美互联网老虎指数","AAPL":"苹果"},"source_url":"https://seekingalpha.com/article/4437594-amazon-apple-coiled-springs-about-to-explode-to-upside","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1140589344","content_text":"Summary\n\nAmazon and Apple have been left out of 2021's market rally underperforming the S&P index and their other tech conglomerate peers.\nAn opportunity is being presented to investors as both Amazon and Apple are in the midst of record-breaking years from a financial standpoint.\nI am not worried about either Amazon or Apple being broken up as neither fit the premise of a monopoly.\nAs a shareholder, I would love to see Amazon do a stock split and Apple allocate more to its dividend than buybacks.\n\nWho would have thought that out of the big tech conglomerates, Amazon (AMZN) and Apple(NASDAQ:AAPL)would be the worst investments for the first half of 2021? AMZN has appreciated 7.35%, while AAPL is up 5.55% since the beginning of the year. Compared to the SPDR S&P 500 Trust ETF (SPY) (16.22%), Microsoft (MSFT) (25.71%), Facebook (FB) (31.10%), and Alphabet(NASDAQ:GOOG)(GOOGL) (41.33%), shares of AMZN and AAPL are being left behind. AMZN and AAPL have barely contributed to the major indexes reaching all-time highs in 2021, and nothing they seem to do impresses the investment community. With the story of growth spilling over into 2021 and the latest short squeeze, sticking it to the hedge fund craze, I believe AMZN and AAPL's accomplishments are being overlooked.\nSometimes opportunities hide in plain sight. Access to information in 2021 is a 24/7 business as the headlines never stop. With so much focus on GameStop (GME), AMC Entertainment (AMC), and SPACs, it's not surprising that investors overlook what is occurring with AMZN and AAPL. These companies are tech royalty and unleashed huge earnings beats in Q1 of 2021 while delivering record-breaking year-end results for 2020, yet the market shrugged it off. Over the years, big tech has delivered lucrative returns for shareholders, and I believe these investments still offer significant upside in the future. The music isn't stopping, AMZN and AAPL won't be left without a chair, and they will still be dominant forces for years to come. Going into Q2 earnings at the end of July, I believe picking up shares of AMZN or AAPL is an excellent play as we turn the quarter to the second half of 2021 and approach the holiday season.\n(Source: Seeking Alpha)\nAmazon continues to deliver even if its share price has traded sideways in 2021\nOver the years, AMZN's runway of growth has correlated to gigantic returns for shareholders. Over the past10 years, AMZN has increased by 1,582.31% while generating 389.72% in gains for the past five years. Compared to the rest of big tech and the S&P 500 Index, AMZN has underperformed, generating single-digit gains in 2021 while the S&P has exceeded 16% in appreciation. The market hasn't gotten the memo that AMZN's runway for growth isn't decreasing, and AMZN has become a true profit center adding to the bottom line and shareholder equity. On2/2/21, we learned that AMZN crossed the $100 billion revenue mark in Q4 2020 for the first time as they delivered $125.55 billion in revenue, an increase of 43.6% YoY, beating estimates by $5.82 billion. In Q4 2020, AMZN obliterated EPS estimates by $6.96 as they generated $14.09 in EPS. AMZN alsogenerated$6.87 billion in operating income and $31 billion in free cash flow (FCF) for 2020, increasing 20% YoY. AMZNfollowed upwith an explosive Q1 to start 2021, keeping their revenue above the $100 billion mark at $108.52 billion, increasing 43.7% YoY while beating estimates by $3.89 billion. Just like a great music album, the hits kept coming as AMZN generated $15.79 of EPS, operating cash flow increased to $67.2 billion, up 69% in the trailing twelve months (TTM). Its FCF increased to $26.4 billion in the TTM compared to $24.3 billion for the TTM that ended on 3/31/20.\nWhen I read throughAMZN's previous two quarters, I am baffled how their shares are trailing the S&P, at the very least. How the market isn't getting excited about this growth is ridiculous. Going back to Q1 2017, AMZN has increased its overall Q1 revenue by $72.80 billion, or 203.85%. Q1 sets the stage for the year, and AMZN is already starting off exceeding the $100 billion revenue mark. If AMZN was to see zero growth in Q2, Q3, and Q4, which is extremely unlikely, they would finish 2021 with $434.07 billion in revenue, an increase of 12.44% or $48.01 billion. Looking at AMZN's previous history, its average quarterly growth rate YoY in Q2, Q3, and Q4 exceeded 28%. If AMZN delivers revenue in the next three quarters 50% less than their average growth rates, it will finish 2021 with $465.96 billion in revenue. If their averages hold up, AMZN will come dangerously close to breaching $500 billion with $498.30 billion in revenue for 2021. AMZN generated $88.9 billion in revenue for Q2 of 2020, and it expects to deliver $110-$116 billion in revenue for Q2 of 2021. If AMZN comes in at $110 billion, that will increase by $21.1 billion (23.73%) YoY. AMZN will likely generate over $450 billion revenue for 2021 as on the low-end, it will have generated $208.52 billion for the first half of 2021 once Q2 earnings are released.\n\n(Source: Steven Fiorillo) (Data Source: Amazon)\nAMZN isn't just spending money for the sake of generating increased amounts of revenue; it's flowing to the bottom line. Since 2017, including the TTM for 2021, AMZN has increased its net income by $24.53 billion or 1,034.67%. The net income generated in Q1 2021 ($8.11 billion) is where things get interesting. For the entire year of 2020, AMZN generated $26.90 billion in net income. In Q1 of 2021, AMZN's net income didn't decrease from Q4 2020, and they generated $8.11 billion in net income, which was 30.13% of the total net income generated in 2020. AMZN is generating profits hand over fist and they are increasing QoQ. AMZN's growth engine is alive and well, as it is on track to generate almost all of 2020's net income in the first nine months of 2021, setting the stage for another record along with revenue generated. The market is overlooking these growth metrics, which is creating an opportunity for investors.\n(Source: Amazon)\nAs AMZN crushes earnings estimates and generates increased revenue and profits, I am not sure if people realize what's happening to AMZN's balance sheet. In the past three fiscal years of 2018, 2019, and 2020, AMZN's total equity has increased by $65.7 billion (237.09%) from $27.71 billion to $93.40 billion. In Q1 2021, total equity increased by $9.92 billion (10.62%) as it exceeded $103 billion. AMZN is firing on all cylinders, and its newfound revenue is paving the way for increased profits and total equity in AMZN. Why the market isn't celebrating this is perplexing, but eventually, the tide will turn, and I think Amazon will be right up there with Google and Facebook in 2021 returns.\nApple continues to establish new records and push the envelope of what companies can achieve\nLove them or hate them, Apple is an iconic American company with a cult-like following. AAPL users are some of the most loyal customers and often purchase several items throughout its ecosystem. It's hard to determine which is America's best company, but if we're going by market cap, AAPL wears the crown. Apple may not generate the most revenue as Amazon and Walmart(NYSE:WMT)exceed the revenue AAPL produces annually. AAPL may not have the best net income conversion ratio as MSFT and FB both have better ratios. AAPL builds products and develops services that engage their following and become integral to their everyday lives. This has allowed AAPL to generate the largest amount of profits of any company I know of. In 2020, AAPL generated $57.41 billion in net income, which was $43.9 billion more than WMT, yet WMT produced $559.15 billion in revenue from its operations. AAPL's $57.41 billion in net income was also $28.26 billion larger than FB, while FB converted the largest amount of net income from its revenue at a rate of 33.9% from the big tech conglomerates.\nThe only thing different about 2021 is AAPL's share price isn't appreciating. Since I thought AMZN was bad, I guess AAPL's price action is horrible. Over the past ten years,AAPLhas appreciated by 1,042.46% and 473.05% over the past five years. AAPL has made their shareholders very happy, from stock splits to buybacks, dividends, and price appreciation, but many have asked is the magic gone? I have written several articles on AAPL, and the number of negative comments about AAPL and its management team is mind-blowing. So who's correct, the bears or the bulls? Are AAPL's best days behind them, or are they just getting started? Only time will tell, but the way I interpret the data indicates AAPL's best days could be ahead of them.\nI believe investors have been given a gift as shares of AAPL have been unable to break out and form its next leg upward. Is AAPL too expensive, under $140? I don't believe so. The facts are AAPL's growth isn't stopping, and the 2021 fiscal year has been a home run even if the market is treating it like it just hit singles in Q1 and Q2. In the fiscal year 2020, which ends in September for AAPL, they generated $274.52 billion in revenue, $57.41 billion in net income, and delivered $3.31 in EPS. 2020 was a record year for AAPL in revenue and EPS while a close second in net income.\nSo what's going wrong in 2021, and why is AAPL treading water? Nothing is wrong as AAPL is firing on all cylinders, and it's unexplainable why shares have been left of 2021's market rally.In Q1 of the fiscal year 2021, AAPL posted record-breaking revenue with $111.4 billion, which increased 21% YoY, EPS of $1.68, up 36% YoY, and net income of $28.76 billion. InQ2 of the fiscal year 2021, AAPL generated $89.6 billion in revenue, EPS of $1.40, and net income of $23.63 billion. For the first six months of 2021, AAPL has delivered an increase of $44.29 billion (35.7%) in total revenue, $18.9 billion (56.44%) in net income, and $1.2 (62.83%) in EPS from its first six months of 2020. Putting that in perspective, AAPL has already delivered 61.33% of the total revenue, 91.25% of the total net income, and 93.96% of EPS in the first six months of operations compared to what was generated throughout the entire 2020 fiscal year. How hasn't this been in the headlines, and why are people consumed with GME, AMC, and straight-up speculation? What's Mr. Market going to do when AAPL delivers Q3 earnings on 7/29/21 (estimated), and they overwhelmingly exceed the amount of net income and EPS generated in 2020 in just nine months? If people want growth, look at AAPL's numbers. They're not producing these increases off of $1 billion revenue and $100 million net income. It's shocking but fine with me as I add shares before AAPL's next leg up.\n(Source: Steven Fiorillo) (Data Source: Apple)\nAs a shareholder of Amazon and Apple, this is what I wish they would do\nI am interested to see if the Seeking Alpha community agrees with me. I haven't been very vocal about this, but there are two things I wish AMZN and AAPL would do. I want AMZN to do a stock split. Yes, I understand that ten shares of a $1,000 stock and 100 shares of a $100 stock is the same amount of equity in a company. I also understand that if the $1,000 stock goes to $1,500 and the $100 stock goes to $150, both are a 50% increase, and an investor would generate the same return as both investments would be worth $15,000. I want AMZN to do a significant stock split so more people could afford to own shares of AMZN. If AMZN does a 40 for 1 split, the company still has the same valuation but shares now become affordable for many investors. A stock split doesn't matter for some shareholders, and they would reference what the price of Berkshire Hathaway (BRK.A)(NYSE:BRK.B)shares have done, and Warren Buffett has never paid a dividend or split the shares. As AMZN has become one of the most iconic companies in America, I think it would be great if more investors could invest directly into AMZN without buying either fractional shares or an ETF where AMZN is one of the largest holdings. If AMZN did a large split, what would that do for the volume and price action of the stock? AAPL hasn't been shy about making its shares affordable for most investors, and I think AMZN should follow suit.\nI am moving on to AAPL, enough with the vast capital allocation to buybacks. AAPL's return of capital is second to none, and not a single company is as shareholder-friendly as AAPL. Since the fiscal year 2012, AAPL has returned $550 billion to shareholders through dividends and buybacks. I read many earnings reports, and there isn't a single company I know of that comes relatively close to these numbers. In Q2, the Board of Directors at AAPL authorized an increase of $90 billion to the existingshare repurchase program. I get it; AAPL wants to maintain a net-zero cash position and reward shareholders. AAPL generates so much free cash flow, operating income, and net income that it can fund their growth and any business endeavors they would like to embark on while still rewarding shareholders.\nSo what would I love to see AAPL do? I think it would be more beneficial to redirect a significant portion of capital allocated to buybacks to its dividend. In Q1 and Q2 of 2021, AAPL allocated $43 billion to buybacks and $7 billion to its dividend.AAPL's dividendis a whopping $0.88 per share, which is a 0.64% yield. AAPL's payout ratio is 17.06%, and can certainly afford to increase the dividend. In 2021's fiscal year, AAPL has paid $0.44 per share of its annual dividend, costing them $7 billion. AAPL has given back $50 billion of capital in 2021 to shareholders, $43 billion in buybacks, and $7 billion in dividends. As a shareholder, I would be so much happier if $28 billion was allocated to the dividend and $22 billion to buybacks over the first six months of the fiscal year 2021. Think about it; that would mean AAPL would have paid its shareholders $1.76 per share instead of $0.44. This would make the annual dividend $3.52 instead of $0.88. A dividend of $3.52 per share would put AAPL at a forward yield of roughly 2.57%.\nAAPL has more than enough firepower to make this happen. AAPL could even go to 3% without blinking. How much more enticing of an investment would AAPL be with a 3% dividend? I think putting a greater focus on the dividend would benefit existing shareholders more than focusing on buybacks. I am not saying buybacks are bad by any means, but I think it's time for AAPL to allocate more capital to its dividend. I am interested to know if you agree, so please comment below and let me know.\nI believe classifying Amazon or Apple as a monopoly is incorrect, and as a shareholder, I am not worried about either company being broken up\nI am not a lawyer, and I didn't go to law school, so this isn't legal advice. It's strictly my opinion.\nFirst, what is a monopoly? A company will be considered a monopoly if there is an absence of competition in the marketplace, leading to increased costs for the consumer for inferior products and services. For a company to be classified as a monopoly, it would need to have total or near-total control of a market while its product offerings dominate a sector or industry. When a company has become a monopoly, it can use its position to create unfair business advantages by fixing prices, creating artificial scarcities causing inflated prices, and stifle competition by eliminating new competitors and creating a market where consumers don't have a choice of products. When a company becomes a monopoly, the market it operates in becomes inefficient, unfair, and unequal to the consumers and other businesses. Now by that description of a monopoly, does AMZN or AAPL fit that description?\nHow is AMZN a monopoly? In the fiscal year of2020, AMZNgenerated $386.06 billion in revenue. $236.28 billion or 61% came from North America, excluding revenue from AWS. AMZN's success in 2020 didn't stop the following companies from generating large amounts of revenue as well:\n\nWalmart(WMT) $559.15 billion\nCostco(COST) $166.76 billion\nWalgreens(WBA) $139.54 billion\nThe Kroger Co.(KR) $132.5 billion\nThe Home Depot(HD) $132.11 billion\nTarget(TGT) $92.4 billion\nLowe's Companies(LOW) $89.6 billion\nDollar General(DG) $33.75 billion\nDollar Tree(DLTR) $25.51 billion\nMacy's(M) $17.35 billion\nEtc.\n\nThe National Retail Foundation publishes a list of the top100 retailersin the U.S. on an annual basis. The 2020 list equaled $3.3 trillion in combined revenue. WMT came in at the top spot with $523.96 billion, equivalent to 16.39% of the top 100's combined revenue. AMZN was the runner-up in second place with $250.5 billion of revenue, accounting for 7.8% of the entire top 100. Going strictly by the numbers, I am not seeing how AMZN could be considered a monopoly as there are many competitors, and AMZN does not have a controlling interest in the sector.\n\n(Source:AMZN)\nCould you consider AMZN a monopoly in shipping? I would say no, considering the United States Post Office, FedEx (FDX), UPS (UPS), and XPO Logistics (XPO) are all independent organizations that have not been put out of business by AMZN. In addition, companies such as WMT and TGT have enhanced their internal logistics to move products around the country quicker.\nHow about thecloud? Is AMZN a monopoly there? Going by the classification of a monopoly, I would have to say no; AMZN does not have a monopoly on cloud services. While they have the largest position with almost 1/3rd of the revenue, cloud infrastructure spending has increased QoQ sequentially since Q1 2018, and AMZN's market share has trended sideways. While AMZN's AWS revenue increases, their market share isn't, which means new business is also finding its way to companies such as MSFT, GOOGL, and Alibaba (BABA). Competition, provider options, and competitive pricing all occur in the cloud space as AMZN faces extensive competition from other tech giants with deep financial resources.\n\n(Source: Synergy Research Group)\n(Source: Canalys)\nWhat about AAPL? Could they be classified as a monopoly? This is a crazier theory than AMZN. There are three main hardware categories which include desktop, mobile, and tablets, where AAPL operates. AAPL has a 15.57% market share behind MSFT's 72.97% on a global stage fordesktop operating systems. Looking at theU.S.alone, AAPL has a 27.82% market share vs. 61.48% from MSFT. This stat will shock people as AAPL has 26.35% of theglobal mobile operating system market sharewith iOS through its phones while Android has more than 2/3rds with 72.83%. In theU.S.alone, AAPL does have 57.68% of the market share in mobile operating systems, followed by 42% from Android. Intablets, AAPL has 56.39% of the market compared to Androids 43.52% on a global scale, and the metrics are similar in theU.Sas AAPL has 57.74% of the market while Android has 42.17%.\nApple, Google, and Microsoft are global companies, and on a combined scale, 41.5% of theglobal operating systemsfall under Android, 30.57% with Microsoft, and 22.61% with Apple. In theU.S.alone, as its own segment, AAPL has 43.3% of the market while MSFT has 29.44% and GOOGL has 21.84%. Is this a monopoly? I wouldn't classify it as one. AAPL isn't price-fixing, and they certainly don't have an unfair advantage. Consumers have choices in the product offerings available to them, and there is healthy competition among AAPL, MSFT, and GOOGL. The consumer market is speaking loudly that their preference is AAPL in some categories and not others. If AAPL was to hike up their prices by 25% or 50%, consumers would still have other options and could choose to leave the AAPL environment. AAPL has stayed competitive in its pricing methodology over the years, and I can't see how they could be considered a monopoly.\n\n(Source: StatCounter)\nI am sick and tired of hearing the words antitrust, monopoly, monopolistic, Amazon, and Apple used in the same sentences. Newsflash, Amazon and Apple are not lawmaking bodies and didn't write a single law in the United States. The United States government defined, created, and established the rules. Amazon and Apple hired specialists in the respective fields of accounting and law to navigate and operate within the established rules. If Amazon or Apple committed any wrongdoing, there are countermeasures as the IRS and SEC would investigate and bring charges forward. I am not a lawyer, but I can't see how anyone could prove AMZN or AAPL is a monopoly. As a shareholder, I am not worried about AAPL or AMZN being broken up.\nConclusion\nThe first six months are over for 2021, and earnings season is a couple of weeks away. I believe AMZN and AAPL present golden opportunities as they are underperforming the S&P index and the other tech conglomerates, including GOOGL, FB, and MSFT. AMZN and AAPL are on track to deliver record years across many financial metrics, yet Mr. Market hasn't been excited. I believe too much emphasis has been placed on MEME stocks, while many headlines are written to generate clicks. AMZN is on track to generate more than $450 billion in revenue for 2021, increasing $63.94 billion (16.56%) while significantly enlarging its net income and shareholder equity. Without a shadow of a doubt, AAPL will exceed 2020's total net income and EPS once its Q3 numbers are posted, and Q4's results will leave people astonished. I think the narrative will change in the upcoming weeks, and shares of AAPL and AMZN will act like a coiled spring and break out to the upside.","news_type":1},"isVote":1,"tweetType":1,"viewCount":581,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":121409023,"gmtCreate":1624486766662,"gmtModify":1703837920150,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Monitoring Nio","listText":"Monitoring Nio","text":"Monitoring Nio","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/121409023","repostId":"1145825451","repostType":4,"repost":{"id":"1145825451","pubTimestamp":1624433586,"share":"https://ttm.financial/m/news/1145825451?lang=&edition=fundamental","pubTime":"2021-06-23 15:33","market":"us","language":"en","title":"Why I Believe NIO Will Beat Out Tesla","url":"https://stock-news.laohu8.com/highlight/detail?id=1145825451","media":"InvestorPlace","summary":"The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.Super fans of the latest and greatest high-endTesla, Inc. model received some disappointing news a week ago when CEO Elon Musk abruptly canceled the release of its highly anticipated Model S Plaid Plus with a tweet on June 6.Instead, the company has begun delivering a new Model S Plaid that has only a 390-mile range and 1,020 horsepower, though it still sprints to from 0 to 60 miles per hour in just two seconds.The go","content":"<blockquote>\n <b>The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.</b>\n</blockquote>\n<p>Super fans of the latest and greatest high-end<b>Tesla, Inc.</b>(NASDAQ:<b>TSLA</b>) model received some disappointing news a week ago when CEO Elon Musk abruptly canceled the release of its highly anticipated Model S Plaid Plus with a tweet on June 6.</p>\n<p><img src=\"https://static.tigerbbs.com/b294a3604c7ba82bd19b3c70be3a4020\" tg-width=\"300\" tg-height=\"169\" referrerpolicy=\"no-referrer\">Source: nrqemi / Shutterstock.com</p>\n<p>Musk wrote there was… “No need, as Plaid is just so good.”</p>\n<p>The Model S Plaid Plus was supposed to be the fastest, most powerful and priciest version of the company’s Model S. Priced at $149,990, it was to feature a range of 520 miles, thanks to its innovative 4680 battery cells, 1,100 horsepower and the ability to speed from 0 to 60 mph in less than two seconds.</p>\n<p>Instead, the company has begun delivering a new Model S Plaid that has only a 390-mile range and 1,020 horsepower, though it still sprints to from 0 to 60 miles per hour in just two seconds.</p>\n<p>As a way to “sugar coat” its flip flop, Tesla said the Model S Plaid is just as fast as the Model S Plaid Plus and $20,000 cheaper. Humm.</p>\n<p>This “bait and switch” has some Tesla fans worried, since they had deposits on the Model S Plaid Plus and wanted the innovative 4680 battery cells that Tesla had been touting as the key to longer range and more power. Essentially, the 4680 battery cells were the latest great Tesla development, since they were the first batteries to also be a structural component that supposedly allowed Tesla to lower the weight of its vehicles.</p>\n<p>Both the company’s Austin and Berlin manufacturing plants now under construction are supposed to also be making the 4680 batteries for new Tesla vehicles. If there is a problem with the engineering associated with utilizing the 4680 batteries or making them a structural component, then Tesla has grossly miscalculated, which is now worrying investors.</p>\n<p>Clearly something happened to delay the 4680 batteries that were supposed to provide Tesla with a competitive and engineering edge. For Tesla’s sake, I hope they figure out the problems associated with their much hyped 4680 battery cells, otherwise concerns about its two new manufacturing plants will emerge, as well as the stock losing more of its “mojo.”</p>\n<p>As someone who owns more than a few high-performance vehicles, I can tell you that the engineering geeks I know do<i>not</i>want to get a new Model S Plaid instead of a Model S Plaid Plus and will likely ask for their deposits back.</p>\n<p>What Tesla did is like Ferrari or Porsche telling its customers that one of their much-hyped new performance models is now not being sold because the base model was just as good! Car fanatics, like myself, like the latest and greatest engineering tidbits, so we would rather cancel our orders versus settle for a base model.</p>\n<p>The good news for Tesla is that its China sales in May resurged to 21,936, up sharply from 11,671 in April. The company’s sales tend to spike at the end of each quarter. For example, Tesla sold 35,478 vehicles in China in March, which was the strongest month ever in China.</p>\n<p>This is raising expectations for very strong China sales in June, especially now that the Model Y is being manufactured in Shanghai. Interestingly, since most Chinese Teslas are now made with iron phosphate batteries, these vehicles have lower range than its lithium cobalt vehicles, but its iron phosphate vehicles are cheaper and now increasingly being exported to Europe.</p>\n<p>However, I’m convinced another electric vehicle (EV) company will eventually displace Tesla as the biggest manufacturer of EVs in China.</p>\n<p><b>Taking Advantage of the EV Revolution’s Profit Potential</b></p>\n<p>I’m talking about&nbsp;<b>Nio, Inc.</b>(NYSE:<b>NIO</b>). The reality is that this company is on the verge of dominating the EV market in China and Hong Kong. It’s why I put NIO on my<b><i>Platinum Growth Club</i></b>Model Portfolio back in February.</p>\n<p>The company boasts that it is the “next-generation car company,” as it designs and manufactures electric vehicles that utilize the latest technologies in connectivity, autonomous driving and artificial intelligence (AI). NIO currently offers an electric seven-seater SUV (ES8) and a five-seater electric SUV (ES6) and recently introduced an attractive electric sedan (ET7). Its vehicles utilize NOMI, an in-vehicle artificial intelligence assistant.</p>\n<p>The company is also partnering with cutting-edge chip companies like<b>NVIDIA Corporation</b>(NASDAQ:<b>NVDA</b>), another one of my<b><i>Platinum Growth Club</i></b>Model Portfolio stocks. NIO plans to use the NVIDIA DRIVE Orin system-on-a-chip for its electric vehicles that will provide autonomous driving capabilities. The NVIDIA DRIVE Orin-powered supercomputer, which is being called Adam, will be launched in the ET7 sedan in China in 2022. Announcements like this are very positive, so NIO has been stealing some of Tesla’s thunder lately.</p>\n<p>Now, it’s important to note that NIO was bailed out by the Chinese government. Last year, the Chinese government injected $1 billion and now has a 24% ownership in the company. The reality is that China wants to dominate at least five major industries by 2025, and NIO is now its ticket to dominate EV manufacturing.</p>\n<p>With the backing of the Chinese government, some Wall Street firms are eager to help NIO by issuing new debt or equity. So, I wouldn’t be surprised if NIO surpasses Tesla, which is currently number-two in China, for market share in the upcoming years.</p>\n<p>That means, if you missed Tesla’s parabolic run like I did, NIO is essentially giving us a “second chance” to make money in a potentially explosive electric vehicle company.</p>\n<p>Shares of NIO climbed nearly 13% since the company’s June 4 announcement of its May delivery report and positive analyst comments, while Tesla shares rose almost 3%. First, NIO revealed that the global chip shortage is starting to take a toll on its business. NIO only delivered 6,711 vehicles in May, or a 5.5% decline from April’s deliveries. Company management noted that deliveries were “adversely impacted for several days due to the volatility of semiconductor supply and certain logistical adjustments.”</p>\n<p>Interestingly, despite the month-to-month dip, NIO’s deliveries were still up 95.3% year-over-year. Strong demand in China even inspired a Citigroup analyst to upgrade NIO to a buy rating, as he expects demand to accelerate in the coming months.</p>\n<p>In other words, NIO represents the<b>crème de la crème</b>of EV stocks right now.</p>","source":"lsy1606302653667","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Why I Believe NIO Will Beat Out Tesla</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhy I Believe NIO Will Beat Out Tesla\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-23 15:33 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2021/06/why-i-believe-nio-will-beat-out-tesla/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.\n\nSuper fans of the latest and greatest high-endTesla, Inc.(NASDAQ:TSLA) model received some disappointing news a week ...</p>\n\n<a href=\"https://investorplace.com/2021/06/why-i-believe-nio-will-beat-out-tesla/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉","NIO":"蔚来"},"source_url":"https://investorplace.com/2021/06/why-i-believe-nio-will-beat-out-tesla/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1145825451","content_text":"The fact that Tesla scrapped its Model S Plaid Plus release is just part of it.\n\nSuper fans of the latest and greatest high-endTesla, Inc.(NASDAQ:TSLA) model received some disappointing news a week ago when CEO Elon Musk abruptly canceled the release of its highly anticipated Model S Plaid Plus with a tweet on June 6.\nSource: nrqemi / Shutterstock.com\nMusk wrote there was… “No need, as Plaid is just so good.”\nThe Model S Plaid Plus was supposed to be the fastest, most powerful and priciest version of the company’s Model S. Priced at $149,990, it was to feature a range of 520 miles, thanks to its innovative 4680 battery cells, 1,100 horsepower and the ability to speed from 0 to 60 mph in less than two seconds.\nInstead, the company has begun delivering a new Model S Plaid that has only a 390-mile range and 1,020 horsepower, though it still sprints to from 0 to 60 miles per hour in just two seconds.\nAs a way to “sugar coat” its flip flop, Tesla said the Model S Plaid is just as fast as the Model S Plaid Plus and $20,000 cheaper. Humm.\nThis “bait and switch” has some Tesla fans worried, since they had deposits on the Model S Plaid Plus and wanted the innovative 4680 battery cells that Tesla had been touting as the key to longer range and more power. Essentially, the 4680 battery cells were the latest great Tesla development, since they were the first batteries to also be a structural component that supposedly allowed Tesla to lower the weight of its vehicles.\nBoth the company’s Austin and Berlin manufacturing plants now under construction are supposed to also be making the 4680 batteries for new Tesla vehicles. If there is a problem with the engineering associated with utilizing the 4680 batteries or making them a structural component, then Tesla has grossly miscalculated, which is now worrying investors.\nClearly something happened to delay the 4680 batteries that were supposed to provide Tesla with a competitive and engineering edge. For Tesla’s sake, I hope they figure out the problems associated with their much hyped 4680 battery cells, otherwise concerns about its two new manufacturing plants will emerge, as well as the stock losing more of its “mojo.”\nAs someone who owns more than a few high-performance vehicles, I can tell you that the engineering geeks I know donotwant to get a new Model S Plaid instead of a Model S Plaid Plus and will likely ask for their deposits back.\nWhat Tesla did is like Ferrari or Porsche telling its customers that one of their much-hyped new performance models is now not being sold because the base model was just as good! Car fanatics, like myself, like the latest and greatest engineering tidbits, so we would rather cancel our orders versus settle for a base model.\nThe good news for Tesla is that its China sales in May resurged to 21,936, up sharply from 11,671 in April. The company’s sales tend to spike at the end of each quarter. For example, Tesla sold 35,478 vehicles in China in March, which was the strongest month ever in China.\nThis is raising expectations for very strong China sales in June, especially now that the Model Y is being manufactured in Shanghai. Interestingly, since most Chinese Teslas are now made with iron phosphate batteries, these vehicles have lower range than its lithium cobalt vehicles, but its iron phosphate vehicles are cheaper and now increasingly being exported to Europe.\nHowever, I’m convinced another electric vehicle (EV) company will eventually displace Tesla as the biggest manufacturer of EVs in China.\nTaking Advantage of the EV Revolution’s Profit Potential\nI’m talking about Nio, Inc.(NYSE:NIO). The reality is that this company is on the verge of dominating the EV market in China and Hong Kong. It’s why I put NIO on myPlatinum Growth ClubModel Portfolio back in February.\nThe company boasts that it is the “next-generation car company,” as it designs and manufactures electric vehicles that utilize the latest technologies in connectivity, autonomous driving and artificial intelligence (AI). NIO currently offers an electric seven-seater SUV (ES8) and a five-seater electric SUV (ES6) and recently introduced an attractive electric sedan (ET7). Its vehicles utilize NOMI, an in-vehicle artificial intelligence assistant.\nThe company is also partnering with cutting-edge chip companies likeNVIDIA Corporation(NASDAQ:NVDA), another one of myPlatinum Growth ClubModel Portfolio stocks. NIO plans to use the NVIDIA DRIVE Orin system-on-a-chip for its electric vehicles that will provide autonomous driving capabilities. The NVIDIA DRIVE Orin-powered supercomputer, which is being called Adam, will be launched in the ET7 sedan in China in 2022. Announcements like this are very positive, so NIO has been stealing some of Tesla’s thunder lately.\nNow, it’s important to note that NIO was bailed out by the Chinese government. Last year, the Chinese government injected $1 billion and now has a 24% ownership in the company. The reality is that China wants to dominate at least five major industries by 2025, and NIO is now its ticket to dominate EV manufacturing.\nWith the backing of the Chinese government, some Wall Street firms are eager to help NIO by issuing new debt or equity. So, I wouldn’t be surprised if NIO surpasses Tesla, which is currently number-two in China, for market share in the upcoming years.\nThat means, if you missed Tesla’s parabolic run like I did, NIO is essentially giving us a “second chance” to make money in a potentially explosive electric vehicle company.\nShares of NIO climbed nearly 13% since the company’s June 4 announcement of its May delivery report and positive analyst comments, while Tesla shares rose almost 3%. First, NIO revealed that the global chip shortage is starting to take a toll on its business. NIO only delivered 6,711 vehicles in May, or a 5.5% decline from April’s deliveries. Company management noted that deliveries were “adversely impacted for several days due to the volatility of semiconductor supply and certain logistical adjustments.”\nInterestingly, despite the month-to-month dip, NIO’s deliveries were still up 95.3% year-over-year. Strong demand in China even inspired a Citigroup analyst to upgrade NIO to a buy rating, as he expects demand to accelerate in the coming months.\nIn other words, NIO represents thecrème de la crèmeof EV stocks right now.","news_type":1},"isVote":1,"tweetType":1,"viewCount":1035,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":146525906,"gmtCreate":1626092646705,"gmtModify":1703753156645,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"A change in the international tax rules to favour big markets","listText":"A change in the international tax rules to favour big markets","text":"A change in the international tax rules to favour big markets","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/146525906","repostId":"1162001323","repostType":4,"repost":{"id":"1162001323","pubTimestamp":1626071864,"share":"https://ttm.financial/m/news/1162001323?lang=&edition=fundamental","pubTime":"2021-07-12 14:37","market":"us","language":"en","title":"Global Tax Deal Heads Down Perilous Path in Congress","url":"https://stock-news.laohu8.com/highlight/detail?id=1162001323","media":"The Wall Street Journal","summary":"Business groups urge delay as U.S. lawmakers prepare for complex two-step process.\n\nWASHINGTON—A com","content":"<blockquote>\n Business groups urge delay as U.S. lawmakers prepare for complex two-step process.\n</blockquote>\n<p>WASHINGTON—A complex international corporate tax deal that took years to hammer out soon faces one of its toughest tests: the U.S. Congress.</p>\n<p>The Group of 20 major economiesbacked the plan this weekendin Venice, Italy, following theearlier endorsement from a broader 130-country group. The plan, aimed at limiting corporate tax avoidance, would revamp longstanding international rules and is crucial to President Biden’s plans to raise corporate taxes.</p>\n<p>“The world is ready to end the global race to the bottom on corporate taxation, and there’s broad consensus about how to do it,” Treasury Secretary Janet Yellen said.</p>\n<p>As detailed negotiations continue, other countries will look to see if U.S. lawmakers implement a minimum corporate tax of at least 15% and embrace new rules for dividing the power to tax the largest companies. Congress will stare back, monitoring how quickly other countries create minimum taxes and remove unilateral taxes on digital companies that have drawn bipartisan U.S. opposition.</p>\n<p>“The rest of the world is very aware that the administration cannot bind Congress,” said Chip Harter, the Trump administration’s lead international tax negotiator, who is now at PwC LLP. “They are watching very closely.”</p>\n<p>International negotiators split their work into two separate ideas, known as pillars. Pillar One, pushed by European countries including the U.K., would assign more taxing power to countries with large consumer markets andpull power away from low-tax jurisdictions such as Ireland.</p>\n<p>Pillar Two, driven by the U.S., would impose at least a 15% tax on companies’ world-wide earnings. Setting that floor makes it easier for the Biden administration to try raising taxes on U.S. companies by up to $2 trillion over a decade, because U.S. rates could rise higher without creating significant opportunities for companies to dodge taxes by shifting profits and addresses.</p>\n<p>Both pillars presenttricky legislative challenges. They likely will move separately through Congress, but the international consensus rests on pairing them and completing both tasks. Mr. Biden and Ms. Yellen emphasize the minimum tax, but other countries care more about getting the power to expand their corporate taxes. They have imposed digital services taxes on technology companies such asFacebookInc.andAlphabetInc.—which they say aren’t paying enough corporate taxes—and will only give those up if they can tax those firms another way.</p>\n<p>“The role of Congress will be very important, because if the rest of the world doesn’t think it’s going to get what it bargained for on [profit-allocation rules], then it will lose its appetite” for the rest of the deal, said Deloitte LLP’s Robert Stack, the Obama administration’s international tax negotiator.</p>\n<p>The Biden administration will try to turn its drive for a tougher minimum tax into legislation this fall without Republican votes by using the budget reconciliation process that requires a simple Senate majority instead of the 60 votes needed for most bills. The White House would then attempt to change the international rules, perhaps through a treaty requiring Republican support.</p>\n<p>The administration’s international tax changes alone would raise about $1 trillion over a decade to help pay for policies such as an expanded child tax credit and renewable-energy tax breaks. That may be enough motivation for many Democrats.</p>\n<p>“It’s easier to sell the notion of raising taxes on offshore earnings than it is to raise rates domestically,” said Manal Corwin of KPMG LLP, a former Obama administration Treasury official.</p>\n<blockquote>\n <b>“The world is ready to end the global race to the bottom on corporate taxation, and there’s broad consensus about how to do it.”</b>\n <b>— Treasury Secretary Janet Yellen</b>\n</blockquote>\n<p>Business groups are urging the U.S. to wait. Their point: The U.S. imposed minimum taxes on U.S. companies in 2017, and other countries didn’t follow.</p>\n<p>“Are we really going to do it again and increase our rates while we wait and see if they do something?” said Cathy Schultz, vice president for tax and fiscal policy at Business Roundtable, an association of large-company chief executives.</p>\n<p>The 130-country agreement includes an important shift in how the world sees the existing U.S. minimum tax. Under the Trump administration, the U.S. pressed other countries to accept that 2017 tax as complying with any agreement. The Biden administration’s focus on tougher minimum taxes changed the U.S. negotiating position.</p>\n<p>The existing U.S. tax is calculated globally, not for a company’s profits in each country, a feature that Treasury officials say lets companies benefit from profits in low-tax countries. However, the new U.S.-backed deal says minimum taxes would be calculated on a country-by-country basis, making it harder for companies to reduce taxes by blending profits in high- and low-tax jurisdictions. Businesses oppose the country-by-country calculation as costly to comply with.</p>\n<p>The agreement says “consideration will be given” to how the U.S. tax coexists with international rules instead of automatically making the U.S. minimum tax compliant. The agreement sets a minimum 15% tax rate and includes a mechanismto punish companies from countries without minimum taxes.</p>\n<p>Those features are absent in current U.S. law, but they are in the Biden plan. That shift in U.S. posture—from seeking international acceptance of U.S. law to seeking changes in U.S. law—pressures Congress.</p>\n<p>If U.S. law isn’t deemed compliant, American companies could face higher taxes abroad. But the agreement gives the U.S. some flexibility as the legislative process unfolds.</p>\n<p>Most members of Congress have paid little attention to details of international talks, and Democrats may raise taxes without going as far as Treasury officials want.</p>\n<p>At some point, Congress will turn to Pillar One, to give countries more power to tax companies that sell to their residents but don’t have much taxable presence there. That has been driven by European frustration at U.S.-based technology giants, whichdominate their marketsbut funnel tax payments elsewhere.</p>\n<p>Observers and congressional aides say Pillar One will require a treaty and thus a two-thirds vote in the evenly divided Senate, requiring Republican support. Crucial details remain unresolved internationally as further talks continue through October. Ms. Yellen said Sunday that it could be ready for congressional consideration by spring 2022 and that officials would determine then what would be needed to implement it.</p>\n<p>Senate GOP aides say they are waiting for information from the administration about how the deal affects U.S. companies and revenue. A senior Treasury official said the administration negotiated the deal with bipartisan support in mind, noting Republican backing for removing foreign countries’ digital taxes.</p>\n<p>The administration says Pillar One will have little impact on revenue, because the U.S. would cede some taxing authority but gain power over companies selling to Americans.</p>\n<p>If Pillar One raises too much money, it looks like a tax increase Republicans would oppose. If it loses too much revenue, it looks like a giveaway of the U.S. tax base. If much of the burden falls on U.S. companies, as early estimates suggest, that also mayspur opposition from lawmakers.</p>\n<p>Ultimately, a Pillar One agreement might require a nudge from U.S. multinational companies. Corporations may oppose the administration on the minimum tax but back Mr. Biden later, said Ben Koltun, director of research at Beacon Policy Advisors. They could push Republicans to back the subsequent Pillar One deal, contending that it brings certainty and predictability to the international tax order, he said.</p>\n<p>“The bet by the administration is the temperature will cool” before treaty consideration, Mr. Koltun said. “There are still plenty of pro-business Republicans.”</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Global Tax Deal Heads Down Perilous Path in Congress</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGlobal Tax Deal Heads Down Perilous Path in Congress\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-12 14:37 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.wsj.com/articles/global-tax-deal-heads-down-perilous-path-in-congress-11626008186?mod=hp_lead_pos3><strong>The Wall Street Journal</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Business groups urge delay as U.S. lawmakers prepare for complex two-step process.\n\nWASHINGTON—A complex international corporate tax deal that took years to hammer out soon faces one of its toughest ...</p>\n\n<a href=\"https://www.wsj.com/articles/global-tax-deal-heads-down-perilous-path-in-congress-11626008186?mod=hp_lead_pos3\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SPY":"标普500ETF",".DJI":"道琼斯",".SPX":"S&P 500 Index",".IXIC":"NASDAQ Composite"},"source_url":"https://www.wsj.com/articles/global-tax-deal-heads-down-perilous-path-in-congress-11626008186?mod=hp_lead_pos3","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1162001323","content_text":"Business groups urge delay as U.S. lawmakers prepare for complex two-step process.\n\nWASHINGTON—A complex international corporate tax deal that took years to hammer out soon faces one of its toughest tests: the U.S. Congress.\nThe Group of 20 major economiesbacked the plan this weekendin Venice, Italy, following theearlier endorsement from a broader 130-country group. The plan, aimed at limiting corporate tax avoidance, would revamp longstanding international rules and is crucial to President Biden’s plans to raise corporate taxes.\n“The world is ready to end the global race to the bottom on corporate taxation, and there’s broad consensus about how to do it,” Treasury Secretary Janet Yellen said.\nAs detailed negotiations continue, other countries will look to see if U.S. lawmakers implement a minimum corporate tax of at least 15% and embrace new rules for dividing the power to tax the largest companies. Congress will stare back, monitoring how quickly other countries create minimum taxes and remove unilateral taxes on digital companies that have drawn bipartisan U.S. opposition.\n“The rest of the world is very aware that the administration cannot bind Congress,” said Chip Harter, the Trump administration’s lead international tax negotiator, who is now at PwC LLP. “They are watching very closely.”\nInternational negotiators split their work into two separate ideas, known as pillars. Pillar One, pushed by European countries including the U.K., would assign more taxing power to countries with large consumer markets andpull power away from low-tax jurisdictions such as Ireland.\nPillar Two, driven by the U.S., would impose at least a 15% tax on companies’ world-wide earnings. Setting that floor makes it easier for the Biden administration to try raising taxes on U.S. companies by up to $2 trillion over a decade, because U.S. rates could rise higher without creating significant opportunities for companies to dodge taxes by shifting profits and addresses.\nBoth pillars presenttricky legislative challenges. They likely will move separately through Congress, but the international consensus rests on pairing them and completing both tasks. Mr. Biden and Ms. Yellen emphasize the minimum tax, but other countries care more about getting the power to expand their corporate taxes. They have imposed digital services taxes on technology companies such asFacebookInc.andAlphabetInc.—which they say aren’t paying enough corporate taxes—and will only give those up if they can tax those firms another way.\n“The role of Congress will be very important, because if the rest of the world doesn’t think it’s going to get what it bargained for on [profit-allocation rules], then it will lose its appetite” for the rest of the deal, said Deloitte LLP’s Robert Stack, the Obama administration’s international tax negotiator.\nThe Biden administration will try to turn its drive for a tougher minimum tax into legislation this fall without Republican votes by using the budget reconciliation process that requires a simple Senate majority instead of the 60 votes needed for most bills. The White House would then attempt to change the international rules, perhaps through a treaty requiring Republican support.\nThe administration’s international tax changes alone would raise about $1 trillion over a decade to help pay for policies such as an expanded child tax credit and renewable-energy tax breaks. That may be enough motivation for many Democrats.\n“It’s easier to sell the notion of raising taxes on offshore earnings than it is to raise rates domestically,” said Manal Corwin of KPMG LLP, a former Obama administration Treasury official.\n\n“The world is ready to end the global race to the bottom on corporate taxation, and there’s broad consensus about how to do it.”\n— Treasury Secretary Janet Yellen\n\nBusiness groups are urging the U.S. to wait. Their point: The U.S. imposed minimum taxes on U.S. companies in 2017, and other countries didn’t follow.\n“Are we really going to do it again and increase our rates while we wait and see if they do something?” said Cathy Schultz, vice president for tax and fiscal policy at Business Roundtable, an association of large-company chief executives.\nThe 130-country agreement includes an important shift in how the world sees the existing U.S. minimum tax. Under the Trump administration, the U.S. pressed other countries to accept that 2017 tax as complying with any agreement. The Biden administration’s focus on tougher minimum taxes changed the U.S. negotiating position.\nThe existing U.S. tax is calculated globally, not for a company’s profits in each country, a feature that Treasury officials say lets companies benefit from profits in low-tax countries. However, the new U.S.-backed deal says minimum taxes would be calculated on a country-by-country basis, making it harder for companies to reduce taxes by blending profits in high- and low-tax jurisdictions. Businesses oppose the country-by-country calculation as costly to comply with.\nThe agreement says “consideration will be given” to how the U.S. tax coexists with international rules instead of automatically making the U.S. minimum tax compliant. The agreement sets a minimum 15% tax rate and includes a mechanismto punish companies from countries without minimum taxes.\nThose features are absent in current U.S. law, but they are in the Biden plan. That shift in U.S. posture—from seeking international acceptance of U.S. law to seeking changes in U.S. law—pressures Congress.\nIf U.S. law isn’t deemed compliant, American companies could face higher taxes abroad. But the agreement gives the U.S. some flexibility as the legislative process unfolds.\nMost members of Congress have paid little attention to details of international talks, and Democrats may raise taxes without going as far as Treasury officials want.\nAt some point, Congress will turn to Pillar One, to give countries more power to tax companies that sell to their residents but don’t have much taxable presence there. That has been driven by European frustration at U.S.-based technology giants, whichdominate their marketsbut funnel tax payments elsewhere.\nObservers and congressional aides say Pillar One will require a treaty and thus a two-thirds vote in the evenly divided Senate, requiring Republican support. Crucial details remain unresolved internationally as further talks continue through October. Ms. Yellen said Sunday that it could be ready for congressional consideration by spring 2022 and that officials would determine then what would be needed to implement it.\nSenate GOP aides say they are waiting for information from the administration about how the deal affects U.S. companies and revenue. A senior Treasury official said the administration negotiated the deal with bipartisan support in mind, noting Republican backing for removing foreign countries’ digital taxes.\nThe administration says Pillar One will have little impact on revenue, because the U.S. would cede some taxing authority but gain power over companies selling to Americans.\nIf Pillar One raises too much money, it looks like a tax increase Republicans would oppose. If it loses too much revenue, it looks like a giveaway of the U.S. tax base. If much of the burden falls on U.S. companies, as early estimates suggest, that also mayspur opposition from lawmakers.\nUltimately, a Pillar One agreement might require a nudge from U.S. multinational companies. Corporations may oppose the administration on the minimum tax but back Mr. Biden later, said Ben Koltun, director of research at Beacon Policy Advisors. They could push Republicans to back the subsequent Pillar One deal, contending that it brings certainty and predictability to the international tax order, he said.\n“The bet by the administration is the temperature will cool” before treaty consideration, Mr. Koltun said. “There are still plenty of pro-business Republicans.”","news_type":1},"isVote":1,"tweetType":1,"viewCount":657,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":143259630,"gmtCreate":1625797233520,"gmtModify":1703748751650,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"That is a very nice gesture.","listText":"That is a very nice gesture.","text":"That is a very nice gesture.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/143259630","repostId":"1137658325","repostType":4,"repost":{"id":"1137658325","pubTimestamp":1625786881,"share":"https://ttm.financial/m/news/1137658325?lang=&edition=fundamental","pubTime":"2021-07-09 07:28","market":"hk","language":"en","title":"Microsoft will give employees a $1,500 bonus for their efforts during the pandemic","url":"https://stock-news.laohu8.com/highlight/detail?id=1137658325","media":"CNBC","summary":"KEY POINTS\n\nMicrosoft will spend around $200 million on bonuses it will disburse to many employees i","content":"<div>\n<p>KEY POINTS\n\nMicrosoft will spend around $200 million on bonuses it will disburse to many employees in the U.S. and abroad.\nThe software company also gave out extra vacation days earlier this year.\n\n...</p>\n\n<a href=\"https://www.cnbc.com/2021/07/08/microsoft-will-give-employees-a-1500-bonus-for-pandemic-efforts.html\">Web Link</a>\n\n</div>\n","source":"cnbc_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Microsoft will give employees a $1,500 bonus for their efforts during the pandemic</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nMicrosoft will give employees a $1,500 bonus for their efforts during the pandemic\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-09 07:28 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.cnbc.com/2021/07/08/microsoft-will-give-employees-a-1500-bonus-for-pandemic-efforts.html><strong>CNBC</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>KEY POINTS\n\nMicrosoft will spend around $200 million on bonuses it will disburse to many employees in the U.S. and abroad.\nThe software company also gave out extra vacation days earlier this year.\n\n...</p>\n\n<a href=\"https://www.cnbc.com/2021/07/08/microsoft-will-give-employees-a-1500-bonus-for-pandemic-efforts.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"MSFT":"微软"},"source_url":"https://www.cnbc.com/2021/07/08/microsoft-will-give-employees-a-1500-bonus-for-pandemic-efforts.html","is_english":true,"share_image_url":"https://static.laohu8.com/72bb72e1b84c09fca865c6dcb1bbcd16","article_id":"1137658325","content_text":"KEY POINTS\n\nMicrosoft will spend around $200 million on bonuses it will disburse to many employees in the U.S. and abroad.\nThe software company also gave out extra vacation days earlier this year.\n\nMicrosoftwill give out $1,500 bonuses to many of its employees after more than a year of impact from the coronavirus.\nThe gesture is part of an effort by technology companies to keep employees happy during the pandemic and make sure they stick around while many are still away from offices. Such care could help reduce impact froma feared trenddubbed the Great Resignation as companies reopen facilities and workers consider job changes.\nThe bonuses will cost Microsoft about $200 million and are a gesture to show appreciation for efforts that employees made with customers and partners in the past year, a spokesperson told CNBC on Thursday, afterThe Vergefirst reported the news. At the end of the first quarter the company had over $125 billion in cash, equivalents and short-term investments.\nKathleen Hogan, Microsoft's chief people officer, announced the news about bonuses in a message to employees on Thursday. The bonuses will go out in July or August to employees in the U.S. and abroad, although Microsoft's corporate vice presidents won't receive them, nor will employees of Microsoft's GitHub, LinkedIn and Zenimax subsidiaries, the spokesperson said.\nSpecial payments are one way that technology companies have shown appreciation to their employees in the Covid age.Some companieshave supplied their employees with credits for food-delivery apps such asUberEats to help pay for meals. Other companies have distributed care packages or offered additional time off. Microsoft also granted workers five extra paid vacation days earlier this year, thePuget Sound Business Journalreported.","news_type":1},"isVote":1,"tweetType":1,"viewCount":697,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":165236260,"gmtCreate":1624145676650,"gmtModify":1703829269613,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"?","listText":"?","text":"?","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/165236260","repostId":"1111305468","repostType":4,"isVote":1,"tweetType":1,"viewCount":464,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":165233486,"gmtCreate":1624145485745,"gmtModify":1703829266518,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Great!","listText":"Great!","text":"Great!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/165233486","repostId":"1192473918","repostType":4,"repost":{"id":"1192473918","pubTimestamp":1624029343,"share":"https://ttm.financial/m/news/1192473918?lang=&edition=fundamental","pubTime":"2021-06-18 23:15","market":"us","language":"en","title":"PLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today","url":"https://stock-news.laohu8.com/highlight/detail?id=1192473918","media":"investorplace","summary":"Palantir Technologies(NYSE:PLTR) stock is on the move Friday following news of a deal with the Feder","content":"<p><b>Palantir Technologies</b>(NYSE:<b><u>PLTR</u></b>) stock is on the move Friday following news of a deal with the Federal Aviation Administration (FAA).</p>\n<p>The goal of this deal is toassist the FAA in modernizing its ” objectives for aviation safety.”This will have Palantir Technologies providing the agency with a data analyzing tool to help with that effort.</p>\n<p>According to a news release, this will have Palantir Technologies monitoring various safety aspects for the FAA. That includes reintegrating the 737 MAX fleet back into service after it was suspended due to fatal crashes.</p>\n<p>Palantir Technologies’ deal with the FAA is set to last for one year. However, there’s also the option to extend it by up to two years. The agreement has a maximum value of $18.4 million.</p>\n<p>Akash Jain, president of Palantir USG, said the following about the agreement with the FAA that should have PLTR stock gaining today.</p>\n<blockquote>\n “We are proud to be partnering with the Federal Aviation Administration to support their critical safety mission.”\n</blockquote>\n<p>The fact that PLTR stock is actually moving lower today despite this news is strange. The company’s shares did start off rising in early morning trading, but quickly fell back down to yesterday’s close before dipping even lower.</p>\n<p>It’s also worth noting that trading volume isn’t taking off on news of the FAA deal, either. As of this writing, more than 20 million shares of PLTR stock had changed hands. That’s still well below the company’s daily average trading volume of 57.8 million shares.</p>\n<p>PLTR stock was down 1.1% as of Friday morning.</p>","source":"lsy1606302653667","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>PLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPLTR Stock: The Palantir-FAA Deal News Should Have Investors Smiling Today\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-18 23:15 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2021/06/pltr-stock-the-palantir-faa-deal-news-should-have-investors-smiling-today/><strong>investorplace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Palantir Technologies(NYSE:PLTR) stock is on the move Friday following news of a deal with the Federal Aviation Administration (FAA).\nThe goal of this deal is toassist the FAA in modernizing its ” ...</p>\n\n<a href=\"https://investorplace.com/2021/06/pltr-stock-the-palantir-faa-deal-news-should-have-investors-smiling-today/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PLTR":"Palantir Technologies Inc."},"source_url":"https://investorplace.com/2021/06/pltr-stock-the-palantir-faa-deal-news-should-have-investors-smiling-today/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1192473918","content_text":"Palantir Technologies(NYSE:PLTR) stock is on the move Friday following news of a deal with the Federal Aviation Administration (FAA).\nThe goal of this deal is toassist the FAA in modernizing its ” objectives for aviation safety.”This will have Palantir Technologies providing the agency with a data analyzing tool to help with that effort.\nAccording to a news release, this will have Palantir Technologies monitoring various safety aspects for the FAA. That includes reintegrating the 737 MAX fleet back into service after it was suspended due to fatal crashes.\nPalantir Technologies’ deal with the FAA is set to last for one year. However, there’s also the option to extend it by up to two years. The agreement has a maximum value of $18.4 million.\nAkash Jain, president of Palantir USG, said the following about the agreement with the FAA that should have PLTR stock gaining today.\n\n “We are proud to be partnering with the Federal Aviation Administration to support their critical safety mission.”\n\nThe fact that PLTR stock is actually moving lower today despite this news is strange. The company’s shares did start off rising in early morning trading, but quickly fell back down to yesterday’s close before dipping even lower.\nIt’s also worth noting that trading volume isn’t taking off on news of the FAA deal, either. As of this writing, more than 20 million shares of PLTR stock had changed hands. That’s still well below the company’s daily average trading volume of 57.8 million shares.\nPLTR stock was down 1.1% as of Friday morning.","news_type":1},"isVote":1,"tweetType":1,"viewCount":272,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":123001272,"gmtCreate":1624401893396,"gmtModify":1703835381026,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Monitoring the stock","listText":"Monitoring the stock","text":"Monitoring the stock","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/123001272","repostId":"1117650695","repostType":2,"repost":{"id":"1117650695","pubTimestamp":1623902228,"share":"https://ttm.financial/m/news/1117650695?lang=&edition=fundamental","pubTime":"2021-06-17 11:57","market":"us","language":"en","title":"Shopify: Valuation Should Not Be A Concern","url":"https://stock-news.laohu8.com/highlight/detail?id=1117650695","media":"seekingalpha","summary":"Shopify is a leading merchant platform empowering mostly small online retailers.Shopify is set to grow revenues to $5b by 2023.Fulfillment center strategy makes Shopify a long-term threat to Amazon.Shopify is taking a larger bite out of the e-commerce market and the price is justified given Shopify's potential for rapid revenue growth.Shopify  is a strong buy as the merchant platform takes a bigger and bigger bite out of the expanding e-commerce market and revenues are growing rapidly. Shopify i","content":"<p><b>Summary</b></p>\n<ul>\n <li>Shopify is a leading merchant platform empowering mostly small online retailers.</li>\n <li>Shopify is set to grow revenues to $5b by 2023.</li>\n <li>Fulfillment center strategy makes Shopify a long-term threat to Amazon.</li>\n <li>Shopify is taking a larger bite out of the e-commerce market and the price is justified given Shopify's potential for rapid revenue growth.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b5f3ab455f8b2c1956c4124771b084d9\" tg-width=\"768\" tg-height=\"400\"><span>ipopba/iStock via Getty Images</span></p>\n<p>Shopify (SHOP) is a strong buy as the merchant platform takes a bigger and bigger bite out of the expanding e-commerce market and revenues are growing rapidly. Shopify is on its way to becoming a $5b annual revenue company and its fulfillment center strategy provides fertile ground for stock price appreciation. Amazon(NASDAQ:AMZN)should be worried.</p>\n<p><b>Why Shopify is a strong buy</b></p>\n<p>Shopify enables people to start an online business relatively fast and with very little cost. Itse-commerce platform offers a suite of integrated products and apps that includes marketing functionality, payment processing and customer engagement tools. Shopify’s core services are paid for on a subscription basis with the most basic plan starting at $29-month.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d0e35fa316c0fd7e939400d53fd623fb\" tg-width=\"1280\" tg-height=\"266\"><span>(Source: Shopify)</span></p>\n<p>Thee-commerce market is booming, not just because of the pandemic. The ease of shopping and the wide distribution of mobile devices made online shopping popular even before COVID-19 emerged. Globale-commerce sales are expected to rise in the future with some estimates calling for global online sales of $4.9 trillion in 2021... with sales growing 30% to $6.4 trillion by 2024.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9918556cae0d9e7fdb0e58780b922413\" tg-width=\"907\" tg-height=\"460\"><span>(Source:Oberlo)</span></p>\n<p>Online sales are not only expected to grow in absolute terms but also relatively: E-Commerce is taking an ever-growing share of retail sales, a trend that accelerated during the 2020 pandemic year. Thee-commerce share of retail sales in 2020 was 18% and is projected to grow to 21.8% by 2024.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1c7297749c9cb665e56f89bb920507e5\" tg-width=\"905\" tg-height=\"463\"><span>(Source:Oberlo)</span></p>\n<p>Growth ine-commerce and merchandise volumes are not dependent on one particular category either. People buy everything from fashion items to personal care products online. According to Hootsuite’sDigital 2021 Global Overview Report, money spent on travel and accommodation cratered 51% due to the pandemic but all other categories grew sales by at least 18% Y/Y.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/bd515034ac6d1ea79da171cca44eacb0\" tg-width=\"1232\" tg-height=\"682\"><span>(Source: Digital 2021Global Overview Report)</span></p>\n<p>Shopify also saw a year of revenue acceleration during the pandemic… just like Amazon did. As people lost their jobs because of COVID-19 and remote working became the new standard, Shopify’s merchant platform gained in popularity, too. The pandemic also helped shift a lot of purchasing power online as retail stores and small businesses shut their doors. Shopify benefited from these unfortunate trends by experiencing a surge in revenues as more retailers built online stores and processed transactions through Shopify. Shopify’s revenues surged 86% to $2.9b in FY 2020.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/47be367ae30fc395bd0cf9f998f5efc0\" tg-width=\"1106\" tg-height=\"574\"><span>(Source:Shopify)</span></p>\n<p>Shopify’s revenues can be broken down into two parts, subscriptions and merchant solutions. Subscriptions include the payments for monthly plans and merchant solutions include additional costs for doing business through Shopify, such as payment processing fees and costs associated with Shopify Shipping and point-of-sale terminals. Revenues from merchant solutions have become more important for Shopify over time as the platform developed its ecosystem and created new apps and products for its merchants to use.</p>\n<p>2020 was a banner year for Shopify and its merchants. The gross merchandise value, the amount cumulatively sold through Shopify, doubled from $61.1b before the pandemic to $119.6b a year later. While 2020 growth rates will likely decline in 2021 as normal retail businesses open their doors again, merchandise volumes will continue to grow as thee-commerce market expands. I estimate that Shopify’s GMV will reach $210b for FY 2021 and $340b next year.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/845466a2e9dd8dcae9d4d3c4542611c9\" tg-width=\"938\" tg-height=\"546\"><span>(Source: Shopify)</span></p>\n<p>Shopify’s FY 2020 gross profits also saw rapid growth. Gross profits surged 78% to $1.6b with more growth expected in FY 2021.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c2530faf2d14eb2bb0f90d05694eba0b\" tg-width=\"904\" tg-height=\"544\"><span>(Source: Shopify)</span></p>\n<p><b>Taking on Amazon</b></p>\n<p>Shopify’s merchant platform shows healthy growth in subscriber and merchant revenues and merchant revenues are going to continue to grow in importance as Shopify signs up new partners and develops its apps suite. This is quite predictable.</p>\n<p>Longer term, however, Shopify should emerge as a growing threat to Amazon because of its investments in fulfillment centers. Entering the physical space is the next step in Shopify’s evolution and Amazon should be worried. Amazon is still the largeste-commerce platform, by far, but Shopify’s move into fulfillment centers is set to narrow this existing gap between the two companies. Amazon’s share of US retaile-commerce share is 4.5 times larger than Shopify’s giving Shopify a lot of potential to catch up...</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5108b1c5dead03ebaec97df972ed74f7\" tg-width=\"891\" tg-height=\"600\"><span>(Source: Shopify)</span></p>\n<p>Building its own fulfillment centers makes strategic sense for Shopify since it solves problems that a lot of online retailers have. Fulfillment centers, as the same implies, take over the function of fulfillment. This means a merchant that sells on Shopify sends goods to a warehouse and Shopify takes over order processing and shipping in return for a fee. The benefit for the retailer is obvious: Reduced shipping times and optimized inventory management.</p>\n<p>The benefit for Shopify: It can collect more revenues by controlling the fulfillment part of the sales process. While Shopify will build new fulfillment centers in the US as part of a $1b investment plan, it also provides Shopify with the option to use its US fulfillment network as a springboard to enter markets outside the US and drive its international expansion.</p>\n<p>Shopify is cashed up after the pandemic year and has more than enough cash to finance its expansion which in the future will likely include the expansion into international fulfillment markets. Shopify’s balance sheet is healthy enough to support the platform’s growth.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b284d5316a0604662b9dd5af30215f3f\" tg-width=\"640\" tg-height=\"542\"><span>(Source:Shopify)</span></p>\n<p>If Shopify and Amazon were to go toe-to-toe, Amazon would have a distinct advantage… because it is so much bigger than Shopify and because its website is drawing the most traffic as the number onee-commerce platform in the US. Amazon is about ten times bigger than Shopify regarding market value and Amazon has sales that are more than one hundred times larger than Shopify’s… so the battle between these twoe-commerce companies can be seen as a battle between David and Goliath, with Amazon being the Goliath.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/d5d0d062b9a02247c1e38dc5b0c23343\" tg-width=\"635\" tg-height=\"500\"><span>Data by YCharts</span></p>\n<p>But Shopify is growing its merchant platform fast and operates from a much smaller revenue base, which is easier to scale. Shopify has more than 1.7m merchants signed on to its platform from 175 countries and continually develops news complementary sources of revenues. In its latestproduct news, Shopify announced that it will make its “one-click checkout” available to all merchants selling on Facebook(NASDAQ:FB)&nbsp;and Google(NASDAQ:GOOG)(NASDAQ:GOOGL)using Shop Pay. The integration is set to lower the “abandoned card” problem many retailers have which is customers not completing the checkout process. Shop Pay could provide a remedy to this problem by making the checkout process easier and more efficient.</p>\n<p><b>Risks</b></p>\n<p>Margins ine-commerce are very thin and growing competition in the industry will make things worse long term. The easy and relatively low-cost entry into thee-commerce market could also turn out to be a problem longer term. Companies that win ine-commerce are companies like Shopify with their own ecosystems that create a moat and protect against competition. Slowing revenue growth and an overblown valuation may be the two biggest risks for Shopify.</p>\n<p><b>You pay for Shopify's growth...</b></p>\n<p>By the end of next year Shopify should be a $5b annual revenue company, but the critical revenue milestone could be reached much sooner if Shopify manages to grow as fast as it did during the pandemic. The expectation is for Shopify to earn $4.35-share on revenues of $4.4b in FY 2021 with revenues scaling to ten-fold to $42b this decade. I believe fulfillment centers alone represent a $1b annual revenue opportunity for Shopify long term. Revenues for FY 2022 should also be closer to $6.5b with the consensus calling for revenues of \"only\" $5.9b.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/add63adc4e771f68c7aa36779607334d\" tg-width=\"640\" tg-height=\"286\"><span>(Source: Seeking Alpha)</span></p>\n<p>Amazon still has a big lead on Shopify, but the twoe-commerce companies are set to go toe-to-toe long term. Every new product that Shopify rolls out and every new fulfillment center it builds brings Shopify one step closer to taking Amazon head-on. Although Shopify is more expensive than Amazon on a per-dollar-of-revenue basis, the merchant platform clearly has the stature and ambition to take on Amazon.</p>\n<p>Shopify trades at a P-S ratio of 28, but you pay for growth...</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/f2f713ad31e8c26c8d670a737c252cdb\" tg-width=\"635\" tg-height=\"419\"><span>Data by YCharts</span></p>\n<p><b>Final thoughts</b></p>\n<p>Shopify has an incredible long-term growth opportunity and Amazon should be worried.</p>\n<p>Shopify has proven to be a real innovator in the industry and constantly develops new products that make online shopping easier for both the online retailer and the merchant.</p>\n<p>Although Shopify has a much higher P-S ratio than Amazon, Shopify has more potential to grow because of its relatively smaller revenue base and market cap.</p>\n<p>The fulfillment center strategy makes a lot of strategic sense and will fortify Shopify's position in the e-commerce market. It can also fuel Shopify's international expansion.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Shopify: Valuation Should Not Be A Concern</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nShopify: Valuation Should Not Be A Concern\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-17 11:57 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4435237-shopify-set-to-fly-as-it-takes-on-amazon><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nShopify is a leading merchant platform empowering mostly small online retailers.\nShopify is set to grow revenues to $5b by 2023.\nFulfillment center strategy makes Shopify a long-term threat ...</p>\n\n<a href=\"https://seekingalpha.com/article/4435237-shopify-set-to-fly-as-it-takes-on-amazon\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SHOP":"Shopify Inc"},"source_url":"https://seekingalpha.com/article/4435237-shopify-set-to-fly-as-it-takes-on-amazon","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1117650695","content_text":"Summary\n\nShopify is a leading merchant platform empowering mostly small online retailers.\nShopify is set to grow revenues to $5b by 2023.\nFulfillment center strategy makes Shopify a long-term threat to Amazon.\nShopify is taking a larger bite out of the e-commerce market and the price is justified given Shopify's potential for rapid revenue growth.\n\nipopba/iStock via Getty Images\nShopify (SHOP) is a strong buy as the merchant platform takes a bigger and bigger bite out of the expanding e-commerce market and revenues are growing rapidly. Shopify is on its way to becoming a $5b annual revenue company and its fulfillment center strategy provides fertile ground for stock price appreciation. Amazon(NASDAQ:AMZN)should be worried.\nWhy Shopify is a strong buy\nShopify enables people to start an online business relatively fast and with very little cost. Itse-commerce platform offers a suite of integrated products and apps that includes marketing functionality, payment processing and customer engagement tools. Shopify’s core services are paid for on a subscription basis with the most basic plan starting at $29-month.\n(Source: Shopify)\nThee-commerce market is booming, not just because of the pandemic. The ease of shopping and the wide distribution of mobile devices made online shopping popular even before COVID-19 emerged. Globale-commerce sales are expected to rise in the future with some estimates calling for global online sales of $4.9 trillion in 2021... with sales growing 30% to $6.4 trillion by 2024.\n(Source:Oberlo)\nOnline sales are not only expected to grow in absolute terms but also relatively: E-Commerce is taking an ever-growing share of retail sales, a trend that accelerated during the 2020 pandemic year. Thee-commerce share of retail sales in 2020 was 18% and is projected to grow to 21.8% by 2024.\n(Source:Oberlo)\nGrowth ine-commerce and merchandise volumes are not dependent on one particular category either. People buy everything from fashion items to personal care products online. According to Hootsuite’sDigital 2021 Global Overview Report, money spent on travel and accommodation cratered 51% due to the pandemic but all other categories grew sales by at least 18% Y/Y.\n(Source: Digital 2021Global Overview Report)\nShopify also saw a year of revenue acceleration during the pandemic… just like Amazon did. As people lost their jobs because of COVID-19 and remote working became the new standard, Shopify’s merchant platform gained in popularity, too. The pandemic also helped shift a lot of purchasing power online as retail stores and small businesses shut their doors. Shopify benefited from these unfortunate trends by experiencing a surge in revenues as more retailers built online stores and processed transactions through Shopify. Shopify’s revenues surged 86% to $2.9b in FY 2020.\n(Source:Shopify)\nShopify’s revenues can be broken down into two parts, subscriptions and merchant solutions. Subscriptions include the payments for monthly plans and merchant solutions include additional costs for doing business through Shopify, such as payment processing fees and costs associated with Shopify Shipping and point-of-sale terminals. Revenues from merchant solutions have become more important for Shopify over time as the platform developed its ecosystem and created new apps and products for its merchants to use.\n2020 was a banner year for Shopify and its merchants. The gross merchandise value, the amount cumulatively sold through Shopify, doubled from $61.1b before the pandemic to $119.6b a year later. While 2020 growth rates will likely decline in 2021 as normal retail businesses open their doors again, merchandise volumes will continue to grow as thee-commerce market expands. I estimate that Shopify’s GMV will reach $210b for FY 2021 and $340b next year.\n(Source: Shopify)\nShopify’s FY 2020 gross profits also saw rapid growth. Gross profits surged 78% to $1.6b with more growth expected in FY 2021.\n(Source: Shopify)\nTaking on Amazon\nShopify’s merchant platform shows healthy growth in subscriber and merchant revenues and merchant revenues are going to continue to grow in importance as Shopify signs up new partners and develops its apps suite. This is quite predictable.\nLonger term, however, Shopify should emerge as a growing threat to Amazon because of its investments in fulfillment centers. Entering the physical space is the next step in Shopify’s evolution and Amazon should be worried. Amazon is still the largeste-commerce platform, by far, but Shopify’s move into fulfillment centers is set to narrow this existing gap between the two companies. Amazon’s share of US retaile-commerce share is 4.5 times larger than Shopify’s giving Shopify a lot of potential to catch up...\n(Source: Shopify)\nBuilding its own fulfillment centers makes strategic sense for Shopify since it solves problems that a lot of online retailers have. Fulfillment centers, as the same implies, take over the function of fulfillment. This means a merchant that sells on Shopify sends goods to a warehouse and Shopify takes over order processing and shipping in return for a fee. The benefit for the retailer is obvious: Reduced shipping times and optimized inventory management.\nThe benefit for Shopify: It can collect more revenues by controlling the fulfillment part of the sales process. While Shopify will build new fulfillment centers in the US as part of a $1b investment plan, it also provides Shopify with the option to use its US fulfillment network as a springboard to enter markets outside the US and drive its international expansion.\nShopify is cashed up after the pandemic year and has more than enough cash to finance its expansion which in the future will likely include the expansion into international fulfillment markets. Shopify’s balance sheet is healthy enough to support the platform’s growth.\n(Source:Shopify)\nIf Shopify and Amazon were to go toe-to-toe, Amazon would have a distinct advantage… because it is so much bigger than Shopify and because its website is drawing the most traffic as the number onee-commerce platform in the US. Amazon is about ten times bigger than Shopify regarding market value and Amazon has sales that are more than one hundred times larger than Shopify’s… so the battle between these twoe-commerce companies can be seen as a battle between David and Goliath, with Amazon being the Goliath.\nData by YCharts\nBut Shopify is growing its merchant platform fast and operates from a much smaller revenue base, which is easier to scale. Shopify has more than 1.7m merchants signed on to its platform from 175 countries and continually develops news complementary sources of revenues. In its latestproduct news, Shopify announced that it will make its “one-click checkout” available to all merchants selling on Facebook(NASDAQ:FB) and Google(NASDAQ:GOOG)(NASDAQ:GOOGL)using Shop Pay. The integration is set to lower the “abandoned card” problem many retailers have which is customers not completing the checkout process. Shop Pay could provide a remedy to this problem by making the checkout process easier and more efficient.\nRisks\nMargins ine-commerce are very thin and growing competition in the industry will make things worse long term. The easy and relatively low-cost entry into thee-commerce market could also turn out to be a problem longer term. Companies that win ine-commerce are companies like Shopify with their own ecosystems that create a moat and protect against competition. Slowing revenue growth and an overblown valuation may be the two biggest risks for Shopify.\nYou pay for Shopify's growth...\nBy the end of next year Shopify should be a $5b annual revenue company, but the critical revenue milestone could be reached much sooner if Shopify manages to grow as fast as it did during the pandemic. The expectation is for Shopify to earn $4.35-share on revenues of $4.4b in FY 2021 with revenues scaling to ten-fold to $42b this decade. I believe fulfillment centers alone represent a $1b annual revenue opportunity for Shopify long term. Revenues for FY 2022 should also be closer to $6.5b with the consensus calling for revenues of \"only\" $5.9b.\n(Source: Seeking Alpha)\nAmazon still has a big lead on Shopify, but the twoe-commerce companies are set to go toe-to-toe long term. Every new product that Shopify rolls out and every new fulfillment center it builds brings Shopify one step closer to taking Amazon head-on. Although Shopify is more expensive than Amazon on a per-dollar-of-revenue basis, the merchant platform clearly has the stature and ambition to take on Amazon.\nShopify trades at a P-S ratio of 28, but you pay for growth...\nData by YCharts\nFinal thoughts\nShopify has an incredible long-term growth opportunity and Amazon should be worried.\nShopify has proven to be a real innovator in the industry and constantly develops new products that make online shopping easier for both the online retailer and the merchant.\nAlthough Shopify has a much higher P-S ratio than Amazon, Shopify has more potential to grow because of its relatively smaller revenue base and market cap.\nThe fulfillment center strategy makes a lot of strategic sense and will fortify Shopify's position in the e-commerce market. It can also fuel Shopify's international expansion.","news_type":1},"isVote":1,"tweetType":1,"viewCount":671,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9925704174,"gmtCreate":1672103409698,"gmtModify":1676538634071,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Tips are quite US centric","listText":"Tips are quite US centric","text":"Tips are quite US centric","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9925704174","repostId":"2293480523","repostType":4,"repost":{"id":"2293480523","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1672098574,"share":"https://ttm.financial/m/news/2293480523?lang=&edition=fundamental","pubTime":"2022-12-27 07:49","market":"us","language":"en","title":"Six Ways to Protect Your Money in 2023","url":"https://stock-news.laohu8.com/highlight/detail?id=2293480523","media":"Dow Jones","summary":"The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implo","content":"<html><head></head><body><p>The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.</p><p>The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.</p><p>Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.</p><p>Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.</p><p>It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:</p><h2>Earn more on your savings</h2><p>Keeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.</p><p><img src=\"https://static.tigerbbs.com/cc5df6eca3284cd89acd9484d70c15a0\" tg-width=\"639\" tg-height=\"1086\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.</p><p>The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.</p><p>True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.</p><p>For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.</p><p>After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.</p><p>Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.</p><h2>Switch your bank accounts</h2><p>Banking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.</p><p><img src=\"https://static.tigerbbs.com/3fa1d86619600eda3092eaa7e43a5295\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.</p><p>For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.</p><p>A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.</p><p>Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.</p><h2>Cancel your subscriptions</h2><p>This time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.</p><p><img src=\"https://static.tigerbbs.com/1edfab7036046f4dd9392995182adcec\" tg-width=\"639\" tg-height=\"1073\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.</p><p>The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.</p><p>This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.</p><h2>Renegotiate your bills</h2><p>For all the recurring bills you cannot cancel, pick up the phone and negotiate.</p><p>Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.</p><p><img src=\"https://static.tigerbbs.com/a58879e51f265a3ea65674fc9b3bc8a5\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.</p><p>If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.</p><p>Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”</p><p>If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.</p><h2>Check your 401(k)</h2><p>The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.</p><p><img src=\"https://static.tigerbbs.com/722955959b8f5671ab714669dcd985d9\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&amp;P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.</p><p>The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.</p><p>“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.</p><p>As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.</p><p>For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.</p><p>More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.</p><p>Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.</p><h2>Don&#39;t wait until it is too late</h2><p>It doesn&#39;t pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year&#39;s Eve.</p><p>Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.</p><p>A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary&#39;s qualified education expenses. That works out to $80,000 per beneficiary account for 2022.</p><p>&#34;Paying for education is a really efficient way to transfer wealth,&#34; says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.</p><p>A separate rule lets individuals pay anyone&#39;s qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.</p><p>Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.</p><p>Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan&#39;s spend down rules now.</p><p>Take your losses: This year&#39;s painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.</p><p>Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.</p><p>(END) Dow Jones Newswires</p><p>December 23, 2022 07:51 ET (12:51 GMT)</p><p>Copyright (c) 2022 Dow Jones &amp; Company, Inc.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Six Ways to Protect Your Money in 2023</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSix Ways to Protect Your Money in 2023\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2022-12-27 07:49</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.</p><p>The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.</p><p>Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.</p><p>Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.</p><p>It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:</p><h2>Earn more on your savings</h2><p>Keeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.</p><p><img src=\"https://static.tigerbbs.com/cc5df6eca3284cd89acd9484d70c15a0\" tg-width=\"639\" tg-height=\"1086\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.</p><p>The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.</p><p>True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.</p><p>For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.</p><p>After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.</p><p>Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.</p><h2>Switch your bank accounts</h2><p>Banking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.</p><p><img src=\"https://static.tigerbbs.com/3fa1d86619600eda3092eaa7e43a5295\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.</p><p>For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.</p><p>A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.</p><p>Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.</p><h2>Cancel your subscriptions</h2><p>This time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.</p><p><img src=\"https://static.tigerbbs.com/1edfab7036046f4dd9392995182adcec\" tg-width=\"639\" tg-height=\"1073\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.</p><p>The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.</p><p>This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.</p><h2>Renegotiate your bills</h2><p>For all the recurring bills you cannot cancel, pick up the phone and negotiate.</p><p>Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.</p><p><img src=\"https://static.tigerbbs.com/a58879e51f265a3ea65674fc9b3bc8a5\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.</p><p>If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.</p><p>Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”</p><p>If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.</p><h2>Check your 401(k)</h2><p>The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.</p><p><img src=\"https://static.tigerbbs.com/722955959b8f5671ab714669dcd985d9\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&amp;P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.</p><p>The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.</p><p>“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.</p><p>As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.</p><p>For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.</p><p>More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.</p><p>Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.</p><h2>Don&#39;t wait until it is too late</h2><p>It doesn&#39;t pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year&#39;s Eve.</p><p>Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.</p><p>A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary&#39;s qualified education expenses. That works out to $80,000 per beneficiary account for 2022.</p><p>&#34;Paying for education is a really efficient way to transfer wealth,&#34; says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.</p><p>A separate rule lets individuals pay anyone&#39;s qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.</p><p>Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.</p><p>Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan&#39;s spend down rules now.</p><p>Take your losses: This year&#39;s painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.</p><p>Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.</p><p>(END) Dow Jones Newswires</p><p>December 23, 2022 07:51 ET (12:51 GMT)</p><p>Copyright (c) 2022 Dow Jones &amp; Company, Inc.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2293480523","content_text":"The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:Earn more on your savingsKeeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.Switch your bank accountsBanking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.Cancel your subscriptionsThis time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.Renegotiate your billsFor all the recurring bills you cannot cancel, pick up the phone and negotiate.Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.Check your 401(k)The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.Don't wait until it is too lateIt doesn't pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year's Eve.Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary's qualified education expenses. That works out to $80,000 per beneficiary account for 2022.\"Paying for education is a really efficient way to transfer wealth,\" says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.A separate rule lets individuals pay anyone's qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan's spend down rules now.Take your losses: This year's painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.(END) Dow Jones NewswiresDecember 23, 2022 07:51 ET (12:51 GMT)Copyright (c) 2022 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"tweetType":1,"viewCount":366,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9077201134,"gmtCreate":1658530695828,"gmtModify":1676536170788,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9077201134","repostId":"1150556085","repostType":4,"repost":{"id":"1150556085","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1658497280,"share":"https://ttm.financial/m/news/1150556085?lang=&edition=fundamental","pubTime":"2022-07-22 21:41","market":"us","language":"en","title":"Internet Ad Names Dip in Wake of Snap's Bad Report","url":"https://stock-news.laohu8.com/highlight/detail?id=1150556085","media":"Tiger Newspress","summary":"Advertising-focused social media names are falling in morning trading Friday alongside a disappointi","content":"<html><head></head><body><p>Advertising-focused social media names are falling in morning trading Friday alongside a disappointing report from Snap, just as they did when Snap&#39;s dire economic warning earlier this year suggested it would fall short ofrevenue expectations.</p><p>Snap is down 35%. Pinterest fall 11%. Meta Platforms, a fellow ad-focused online power, is down 5%. Meta&#39;s &#34;ad duopoly&#34; counterpart Alphabet is down not quite as much: (NASDAQ:GOOG)-1.9%; (GOOGL)-2%.</p><p><img src=\"https://static.tigerbbs.com/8104073fa2239d4096e72052901bc8d7\" tg-width=\"416\" tg-height=\"295\" width=\"100%\" height=\"auto\"/></p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Internet Ad Names Dip in Wake of Snap's Bad Report</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nInternet Ad Names Dip in Wake of Snap's Bad Report\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2022-07-22 21:41</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Advertising-focused social media names are falling in morning trading Friday alongside a disappointing report from Snap, just as they did when Snap&#39;s dire economic warning earlier this year suggested it would fall short ofrevenue expectations.</p><p>Snap is down 35%. Pinterest fall 11%. Meta Platforms, a fellow ad-focused online power, is down 5%. Meta&#39;s &#34;ad duopoly&#34; counterpart Alphabet is down not quite as much: (NASDAQ:GOOG)-1.9%; (GOOGL)-2%.</p><p><img src=\"https://static.tigerbbs.com/8104073fa2239d4096e72052901bc8d7\" tg-width=\"416\" tg-height=\"295\" width=\"100%\" height=\"auto\"/></p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GOOGL":"谷歌A","PINS":"Pinterest, Inc.","SNAP":"Snap Inc","GOOG":"谷歌","META":"Meta Platforms, Inc."},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1150556085","content_text":"Advertising-focused social media names are falling in morning trading Friday alongside a disappointing report from Snap, just as they did when Snap's dire economic warning earlier this year suggested it would fall short ofrevenue expectations.Snap is down 35%. Pinterest fall 11%. Meta Platforms, a fellow ad-focused online power, is down 5%. Meta's \"ad duopoly\" counterpart Alphabet is down not quite as much: (NASDAQ:GOOG)-1.9%; (GOOGL)-2%.","news_type":1},"isVote":1,"tweetType":1,"viewCount":248,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9096436766,"gmtCreate":1644448484264,"gmtModify":1676533926497,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"[Strong]&nbsp;","listText":"[Strong]&nbsp;","text":"[Strong]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9096436766","repostId":"1107160488","repostType":4,"isVote":1,"tweetType":1,"viewCount":572,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":168870948,"gmtCreate":1623972701384,"gmtModify":1703824898620,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"great","listText":"great","text":"great","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/168870948","repostId":"1182176652","repostType":4,"repost":{"id":"1182176652","pubTimestamp":1623934805,"share":"https://ttm.financial/m/news/1182176652?lang=&edition=fundamental","pubTime":"2021-06-17 21:00","market":"us","language":"en","title":"Ford says second quarter earnings will 'surpass expectations'","url":"https://stock-news.laohu8.com/highlight/detail?id=1182176652","media":"cnbc","summary":"DETROIT –Ford Motoron Thursday said its adjusted pretax earnings for the second quarter will \"surpas","content":"<div>\n<p>DETROIT –Ford Motoron Thursday said its adjusted pretax earnings for the second quarter will \"surpass its expectations\" and be significantly better than a year ago, while net income will be \"...</p>\n\n<a href=\"https://www.cnbc.com/2021/06/17/ford-says-second-quarter-earnings-will-surpass-expectations-.html\">Web Link</a>\n\n</div>\n","source":"cnbc_highlight","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Ford says second quarter earnings will 'surpass expectations'</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; 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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nFord says second quarter earnings will 'surpass expectations'\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-17 21:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.cnbc.com/2021/06/17/ford-says-second-quarter-earnings-will-surpass-expectations-.html><strong>cnbc</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>DETROIT –Ford Motoron Thursday said its adjusted pretax earnings for the second quarter will \"surpass its expectations\" and be significantly better than a year ago, while net income will be \"...</p>\n\n<a href=\"https://www.cnbc.com/2021/06/17/ford-says-second-quarter-earnings-will-surpass-expectations-.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"F":"福特汽车"},"source_url":"https://www.cnbc.com/2021/06/17/ford-says-second-quarter-earnings-will-surpass-expectations-.html","is_english":true,"share_image_url":"https://static.laohu8.com/72bb72e1b84c09fca865c6dcb1bbcd16","article_id":"1182176652","content_text":"DETROIT –Ford Motoron Thursday said its adjusted pretax earnings for the second quarter will \"surpass its expectations\" and be significantly better than a year ago, while net income will be \"substantially lower\" than the same period last year.\nThe company released the broad guidance ahead of a presentation by Ford CEO Jim Farley at Deutsche Bank's global automotive industry conference Thursday afternoon.\n\"The improvement in automotive is being driven by lower-than-anticipated costs and favorable market factors,\" the company saidin a press release.\"Additionally, higher vehicle auction values are benefitting Ford Credit.\"\nThe first half of the year has been better than many expected for automakers such as Ford. Supply constraints due to parts problem have led to higher vehicle prices and profits.\nFord's comments come a day afterGeneral Motorssaid it expects adjusted pretax earnings of $8.5 billion to $9.5 billionduring the first half of the year, up from an estimated $5.5 billion.\nIn April, Ford forecasted its full-year adjusted pretax profit to be between $5.5 billion and $6.5 billion, including an adverse effect of about $2.5 billion from the semiconductor issue. Adjusted free cash flow for the full year was projected to be $500 million to $1.5 billion.\nFord said net income for the second quarter is expected to be substantially lower than a year ago, when results included a $3.5 billion gain in an investment in its self-driving Argo AI unit with Volkswagen. The company reported a net profit of $1.1 billion during the second quarter of last year.","news_type":1},"isVote":1,"tweetType":1,"viewCount":332,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":196343296,"gmtCreate":1621031311015,"gmtModify":1704352085879,"author":{"id":"3562811381335198","authorId":"3562811381335198","name":"TkLm","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562811381335198","authorIdStr":"3562811381335198"},"themes":[],"htmlText":"Time to buy!","listText":"Time to buy!","text":"Time to buy!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/196343296","repostId":"1115487503","repostType":4,"isVote":1,"tweetType":1,"viewCount":473,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}