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“ India Is Older Than Islam Let Alone Pakistan , Be Honest, ” Says Imam Tawhidi On Kashmir Issue needsEditing
https://swarajyamag.com/insta/india-is-older-than-islam-let-alone-pakistan-be-honest-says-imam-tawhidi-on-kashmir-issue
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http://%E2%80%9CIndia%20Is%20Older%20Than%20Islam%20Let%20Alone%20Pakistan,%20Be%20Honest,%E2%80%9D%20Says%20Imam%20Tawhidi%20On%20Kashmir%20Issue ;;;
tags: “ India Is Older Than Islam Let Alone Pakistan _ Be Honest_ ” Says Imam Tawhidi On Kashmir Issue needsEditing ProIndiaMagazine swarajya Magazine ;;;
  India  Is  Older  Than  Islam  Let  Alone  Pakistan  _  Be  Honest_    Says  Imam  Tawhidi  On  Kashmir  Issue  needsEditing  ProIndiaMagazine  swarajya  Magazine 
13 days ago by neerajsinghvns
“ president Donald Trump is ruining our markets ”: Struggling farmers lose a huge customer to the trade war — China - CNBC Komal Neha Sonu & Neeraj needsEditing Mexico
CNBC
China's exit piles on to a devastating year for farmers, who've struggled through record flooding and droughts that destroyed crop yields, and trade war escalations that have lowered prices and profits down this year. Read the full story
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  president  Donald  Trump  is  ruining  our  markets  ”:  Struggling  farmers  lose  a  huge  customer  to  the  trade  war    China  -  CNBC  Komal  Neha  Sonu  &  Neeraj  needsEditing  Mexico 
14 days ago by neerajsinghvns
FORTUNE : China is Now Close to Parity With the U.S. on the Global 500 , a Sign of the Country’s Growing Power | USA needsEditing Komal Neha Sonu neeraj
AS THE CHINESE CENTURY nears its third decade, Fortune’s Global 500 shows how profoundly the world’s balance of power is shifting. American companies account for 121 of the world’s largest corporations by revenue. Chinese companies account for 119. Yes, America is still No. 1, barely, but it seems inevitable that it will give up that title, probably next year. For the first time since the debut of the Global 500 in 1990, and arguably for the first time since World War II, a nation other than the
Read in FORTUNE: https://apple.news/AyFpjlJemRjy7niVBhvD9mQ
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FORTUNE  :  China  is  Now  Close  to  Parity  With  the  U.S.  on  Global  500  _  a  Sign  of  Country’s  Growing  Power  |  USA  needsEditing  Komal  Neha  Sonu  neeraj 
16 days ago by neerajsinghvns
FAST COMPANY : This senator was Big Tech's friend—but is now its greatest threat | illuminating dark patterns needsEditing mark warner
SENATOR MARK WARNER, A FORMER TELECOM INVESTOR AND ENTREPRENEUR, IS SOUNDING THE ALARM ON HOW CHINESE ADVANCEMENT AND BIG TECH’S MISCONDUCT ARE ALTERING AMERICA’S GEOPOLITICAL STATUS. NOW HE’S TRYING TO GET BOTH CONGRESS AND SILICON VALLEY TO DO SOMETHING ABOUT IT. A dozen venture capital investors in dark suits enter the U.S. Capitol Visitor Center on an overcast November afternoon, pass through security, and make their way to the basement, where a police officer guards the entrance to the
Read in Fast Company: https://apple.news/AiB-aQzLiS0Gg-O77CAxj0A
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FAST  COMPANY  :  This  senator  was  Big  Tech's  friend—but  is  now  its  greatest  threat  |  illuminating  dark  patterns  needsEditing  mark  warner 
16 days ago by neerajsinghvns
The Phoblographer : Photography Cheat Sheet : Simple Portrait Lighting Techniques needsEditing howTo take shoot photograph photographs
The Phoblographer
Getting the lighting right is key when it comes to shooting professional-looking portraits. While it doesn't always have to involve complex setups, it can be daunting to figure out where to start if you're still new to portrait lighting techniques. With this quick tutorial and cheat sheet, you have a bunch of simple lighting styles to try for your next practice. Read the full story
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22 days ago by neerajsinghvns
' What is YouTube TV ?': Everything you need to know about YouTube's subscription streaming service - Business Insider needsEditing
Business Insider
YouTube TV is YouTube's answer to streaming services like Hulu + Live TV. YouTube TV is a live subscription streaming service that offers over 70 channels. A YouTube TV subscription, which costs $49.99 per month, will provide access to major news and entertainment channels, live sporting events, and a selection of on-demand TV shows and movies. YouTube Premium, which costs an additional $11.99 per month, provides ad-free access to YouTube original shows, documentaries, and movies from its Read the full story
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'  What  is  YouTube  TV  ?':  Everything  you  need  to  know  about  YouTube's  subscription  streaming  service  -  Business  Insider  needsEditing 
22 days ago by neerajsinghvns
Top 10 Best Dropbox Alternatives in 2019: Which Is The Most Secure?
https://www.cloudwards.net/top-10-secure-dropbox-alternatives/ ;;;
tags: Top 10 Best Dropbox Alternatives in 2019 : Which Is The Most Secure ? compare comparison googleDrive google drive oneDrive one amazonDrive amazon ;;;
Top  10  Best  Dropbox  Alternatives  in  2019  :  Which  Is  The  Most  Secure  ?  compare  comparison  googleDrive  google  drive  oneDrive  one  amazonDrive  amazon 
april 2019 by neerajsinghvns
Please use the following address
400 Country club Drive
Stockbridge, GA 30281
to get close (to about 100-200 feet)
to the gate / entrance of our subdivision / colony,
(Eagles Landing Country Club)
Only after entering the sub division / colony, should the taxi driver plug in the following Home address in the GPS;
912 Northern Pines Drive,
McDonough, GA 30253
If the 912NPD address is plugged in to begin with, the GPS has a tendency to use the
- wrong exit number on the interstate and
- wrong entrance (unattended) to the subdivision.
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april 2019 by neerajsinghvns
Tested: Should You Unplug Chargers When You’re Not Using Them?
https://www.howtogeek.com/231886/tested-should-you-unplug-chargers-when-youre-not-using-them/ ;;;
tags: how much energy is consumed by cell mobile phone charger chargers if they are left plugged in kill-a-watt kill a watt ;;;
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if you leave your cell phone charger plugged in, all year long, it costs about 5 and a half cents.
how  much  energy  is  consumed  by  cell  mobile  phone  charger  chargers  if  they  are  left  plugged  in  kill-a-watt  kill  a  watt 
april 2019 by neerajsinghvns
What is the best text editor for web design? - Quora
https://www.quora.com/What-is-the-best-text-editor-for-web-design ;;;
tags: What is the best text editor for web design ? - Quora | webSite webPage ;;;
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Vim is the best for me, but if you’re afraid of Vim’s learning curve I’d recommend Atom or Visual Studio Code (VSCode).
What  is  the  best  text  editor  for  web  design  ?  -  Quora  |  webSite  webPage 
april 2019 by neerajsinghvns
DSLR vs. Mirrorless Cameras: Which Is Better for You?
https://www.tomsguide.com/us/dslr-vs-mirrorless-cameras,news-17736.html
tags: DSLR vs. Mirrorless Cameras : Which Is Better for You ? | camera needsEditing ;;;
DSLR  vs.  Mirrorless  Cameras  :  Which  Is  Better  for  You  ?  |  camera  needsEditing  SLR 
april 2019 by neerajsinghvns
CNBC: 'One of the worst inventions in tech is shared calendar' says Basecamp CEO
CNBC
Basecamp co-founder and CEO Jason Fried is speaking out against endless meetings, emails, being on call 24/7 and 80-hour workweeks. Nothing will change, he says, until people raise their hands and voices and demand: 'We need to have a life.' Read the full story
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CNBC:  'One  of  the  worst  inventions  in  tech  is  shared  calendar'  says  Basecamp  CEO  32  hour  4  day  workweek  work  week 
april 2019 by neerajsinghvns
What is the SAT? - All About SAT Test | Kaplan Test Prep
https://www.kaptest.com/sat/what-is-the-sat ;;;
tags: What is the SAT? - All About SAT Test | Kaplan Prep || number of questions vs versus time competitor ;;;
What  is  the  SAT?  -  All  About  SAT  Test  |  Kaplan  Prep  ||  number  of  questions  vs  versus  time  competitor 
march 2019 by neerajsinghvns
Popular Science: Why measles is back, in five charts
Popular Science
Too many people have forgotten what it’s like to live in a time where everyone got the measles. Read the full story
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Popular  Science  :  Why  measles  is  back_  in  five  charts  popSci  vaccine  vaccines  vaccination  vaccinations 
february 2019 by neerajsinghvns
Vox: Expensive wine is for suckers
Vox
We blind-tasted three red wines to find out: Does expensive wine taste better? Read the full story
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Expensive  wine  is  for  suckers  blind  taste  test 
january 2019 by neerajsinghvns
How a Plumbing Trap Can Lose Water - YouTube
https://www.youtube.com/watch?v=Y2o8upCxcqA ;;;
tags: How a Plumbing Trap Can Lose Water - YouTube video thisOldHouse a washing machine can cause surrounding p trap traps p-trap p-traps to lose water needsEditing;;;
How  a  Plumbing  Trap  Can  Lose  Water  -  YouTube  video  thisOldHouse  washing  machine  cause  surrounding  p  traps  p-trap  p-traps  to  needsEditing  why  vent  is  needed  in  pipe  pipes  line  lines  howTo 
january 2019 by neerajsinghvns
CSS object-fit Property
https://www.w3schools.com/css/css3_object-fit.asp ;;;
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tags: w3schools css html image needsEditing on resize resizing the aspect ratio of photo photograph is preserved and not destroyed ;;;
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In the next example, we use object-fit: cover;, so when we resize the browser window, the aspect ratio of the images is preserved:
w3schools  css  html  image  needsEditing  on  resize  resizing  the  aspect  ratio  of  photo  photograph  is  preserved  and  not  destroyed 
december 2018 by neerajsinghvns
Tryit Editor v3.6
https://www.w3schools.com/code/tryit.asp?filename=FXS1FJLYSL5R ;20181201-1742
https://www.w3schools.com/code/tryit.asp?filename=FXS1981Y2PY6 ;20181201-1736
https://www.w3schools.com/code/tryit.asp?filename=FXRJJH82S9C5; 20181201;
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tags: box shadow sampleCode w3schools howto change angle or location of light source needsEditing background-color inside the box is orange shadow is black and blurred ;;;
box  shadow  sampleCode  w3schools  howto  change  angle  or  location  of  light  source  needsEditing  background-color  inside  the  is  orange  black  and  blurred 
december 2018 by neerajsinghvns
What Is a Printer-Friendly Web Page?
https://www.lifewire.com/printer-friendly-web-page-3469219 ;;;
tags: What Is a Printer Friendly Web Page | HowTo make ;;;
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Underline all links.
Include a copyright notification.
What  Is  a  Printer  Friendly  Web  Page  |  HowTo  make 
november 2018 by neerajsinghvns
What's Inside of the White House? - YouTube
https://www.youtube.com/watch?v=BW6hxlThB_o ;;;
tags: What's Inside of the White House? - YouTube | video 3D exploded animation animated view what is ;;;
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https://www.youtube.com/watch?v=PDL0ImZjeQc ;;; empire state bldg.
What's  Inside  of  the  White  House?  -  YouTube  |  whiteHouse  video  3D  exploded  view  what  is  animation  animated 
november 2018 by neerajsinghvns
How to save more money and grow your net worth — cut down on 3 things - Business Insider
I've saved nearly $270,000 at age 28, and I'm convinced the key to growing your net worth is spending less on 3 things
Last year, I vacationed to Alaska, Florida, Colorado, New Orleans, and San Francisco. Plus ski trips to Aspen, Colorado, and Whistler, Canada.
More than I'd like to admit, I also spent aimlessly on concerts and events, spoiled my pets with way too many toys, and cannot remember a single time I turned down a night at the breweries with friends.
Now's the part of the intro where I'm supposed transition to the bad news to let you know how much debt I've racked up, and how I'm living way beyond my means.
But I have a curveball for you. Despite all those expenses, I only spent about $25,000 for the whole year.
This level of frugality allowed me to grow my net worth by $73,000 last year. (Of which, about $35,000 was investment returns and the remaining $38,000 was from saving over 50% of my income, plus employer 401(k) contributions.)
How?
I focused on just three expenses.
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I've  saved  nearly  $270_000  at  age  28_  and  I'm  convinced  the  key  to  growing  your  net  worth  is  spending  less  on  3  things  needsEditing  investment  retirement  Komal  Neha  Sonu  &  Neeraj  questionable 
october 2018 by neerajsinghvns
The Bailouts For The Rich Are Why America Is So Screwed Right Now | Zero Hedge
The Bailouts For The Rich Are Why America Is So Screwed Right Now
Authored by Matt Stoller via Vice.com,
Did they prevent a full-scale collapse? Yes. Was it necessary to do it the way we did? Not at all.
These guys got off pretty easy. (Photo by Scott J. Ferrell/Congressional Quarterly/Getty Images)
In 1948, the architect of the post-war American suburb, William Levitt, explained the point of the housing finance system. "No man who owns his own house and lot can be a Communist," he said. "He has too much to do."
It’s worth reflecting on this quote on the ten-year anniversary of the financial crisis, because it speaks to how the architects of the bailouts shaped our culture. Tim Geithner, Ben Bernanke, and Hank Paulson, the three key men in charge, basically argue that the bailouts they executed between 2007 and 2009 were unfair, but necessary to preserve stability. It’s time to ask, though: just what stability did they preserve?
These three men paint the financial crisis largely as a technical one. But let’s not get lost in the fancy terms they use, like “normalization of credit flows," in discussing what happened and why. The excessively wonky tone is intentional - it's intended to hide the politics of what happened. So let’s look at what the bailouts actually were, in normal human language.
The official response to the financial crisis ended a 75-year-old American policy of pursuing broad homeownership as a social goal. Since at least Franklin Delano Roosevelt, American leaders had deliberately organized the financial system to put more people in their own homes. In 2011, the Obama administration changed this policy, pushing renting over owning. The CEO of Bank of America, Brian Moynihan, echoed this view shortly thereafter. There are many reasons for the change, and not all of them were bad. But what’s important to understand is that the financial crisis was a full-scale assault on the longstanding social contract linking Americans with the financial system through their house.
The way Geithner orchestrated this was through a two-tiered series of policy choices. During the crisis, everyone needed money from the government, but Geithner offered money to the big guy, and not the little guy.
First, he found mechanisms, all of them very technical—and well-reported in Adam Tooze’s new book Crashed—to throw unlimited amounts of credit at institutions controlled by financial executives in the United States and Europe. (Eric Holder, meanwhile, also de facto granted legal amnesty to executives for possible securities fraud associated with the crisis.)
Second, Geithner chose to deny money and credit to the middle class in the midst of a foreclosure crisis. The Obama administration supported this by neutering laws against illegal foreclosures.
The response to the financial crisis was about reorganizing property rights. If you were close to power, you enjoyed unlimited rights and no responsibilities, and if you were far from power, you got screwed. This shaped the world into what it is today. As Levitt pointed out, when people have no stake in the system, they get radical.
Did this prevent a full-scale collapse? Yes. Was it necessary to do it the way we did? Not at all.
Geithner, Bernanke, and Paulson like to pretend that bank bailouts are inherently unpopular—that they were wise stewards resisting toxic (populist) political headwinds. But it’s not that simple. Unfair bank bailouts are unpopular, but reasonable ones are not. For an alternative, look at how a previous generation of Democrats handled a similar, though much more serious, crisis.
In 1933, when FDR took power, global banking was essentially non-functional. Bankers had committed widespread fraud on top of a rickety and poorly structured financial system. Herbert Hoover, who organized an initial bailout by establishing what was known as the Reconstruction Finance Corporation, was widely mocked for secretly sending money to Republican bankers rather than ordinary people. The new administration realized that trust in the system was essential.
One of the first things Roosevelt did, even before he took office, was to embarrass powerful financiers. He did this by encouraging the Senate Banking Committee to continue its probe, under investigator Ferdinand Pecora, of the most powerful institutions on Wall Street, which were National City (now Citibank) and JP Morgan. Pecora exposed these institutions as nests of corruption. The Senate Banking Committee made public Morgan’s "preferred list," which was the group of powerful and famous people who essentially got bribes from Morgan. It included the most important men in the country, like former Republican President Calvin Coolidge, a Supreme Court Justice, important CEOs and military leaders, and important Democrats, too.
Roosevelt also ordered his attorney general "vigorously to prosecute any violations of the law" that emerged from the investigations. New Dealers felt that "if the people become convinced that the big violators are to be punished it will be helpful in restoring confidence." The DOJ indicted National City’s Charles Mitchell for tax evasion. This was part of a series of aggressive attacks on the old order of corrupt political and economic elites. The administration pursued these cases, often losing the criminal complaints but continuing with civil charges. This bought the Democrats the trust of the public.
When Roosevelt engaged in his own broad series of bank bailouts, the people rewarded his party with overwhelming gains in the midterm elections of 1934 and a resounding re-election in 1936. Along with an assertive populist Congress, the new administration used the bailout money in the RFC to implement mass foreclosure-mitigation programs, create deposit insurance, and put millions of people to work. He sought to save not the bankers but the savings of the people themselves.
Democrats did more than save the economy - they also restructured it along democratic lines. They passed laws to break up banks, the emerging airline industry, and electric utilities. The administration engaged in an aggressive antitrust campaign against industrial monopolists. And Roosevelt restructured the Federal Reserve so that the central bank was not "independent" but set interest rates entirely subservient to the wishes of elected officials.
In 1938, Franklin Delano Roosevelt offered his view on what causes democracies to fail.
"History proves that dictatorships do not grow out of strong and successful governments," he said, "but out of weak and helpless ones."
Did the bailouts of ten years ago work? It’s a good question. I don’t see a strong and vibrant democracy in America right now. Do you?
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The  Bailouts  For  The  Rich  Are  Why  America  Is  So  Screwed  Right  Now  needsEditing  2007  2008  2009  economy  depression  questionable 
october 2018 by neerajsinghvns
Travel Channel: How to Tip Around the World
https://www.travelchannel.com/interests/food-and-drink/photos/how-to-tip-around-the-world ;;;
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Travel Channel
Tipping can be a controversial topic, since whether or not you should tip, and how much, depends on who you ask. Therefore, consider this a general guideline, keeping in mind that there are no hard and fast rules in many countries. United States It should be noted that even in countries without a tipping history, an increasing number of people in the service industry, especially in touristy areas, have come to expect tips from Americans, even if they don’t expect tips from the locals. In those Read the full story
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How to Tip tipping Around the World in different various countries cultures
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october 2018 by neerajsinghvns
Facebook Is Very, Very Cheap Again
https://seekingalpha.com/article/4209112-facebook-cheap
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Facebook  Is  Very_  Very  Cheap  Again  needsEditing  questionable  FB 
october 2018 by neerajsinghvns
How much money Americans have in their 401(k) accounts
Here is how much money Americans have in their 401(k)s at every age
Kathleen Elkins | @kathleen_elk
11:24 AM ET Wed, 12 Sept 2018
Contributing to an employer-sponsored 401(k) plan is an effective way to save for retirement: You get significant tax advantages, the money is automatically taken from your paycheck before you have the chance to spend it and, often, companies offer a match, which is essentially free money.
Consistent contributions can even make you a millionaire. In fact, the number of Fidelity 401(k) accounts with a balance of $1 million or more recently hit a record of 168,000, up 41 percent from last year.
To give you an idea of how your retirement savings stack up against your peers, check out the average 401(k) balances in Fidelity accounts, as of the second quarter of 2018, broken down by age. The data was provided to CNBC Make It by Fidelity, the nation's largest retirement-plan provider:
Age 20 to 29: $11,500
Age 30 to 39: $42,700
Age 40 to 49: $103,500
Age 50 to 59: $174,200
Age 60 to 69: $192,800
Here are the average contribution rates by age, also from Fidelity:
Age 20 to 29: 6.8 percent
Age 30 to 39: 7.6 percent
Age 40 to 49: 8.4 percent
Age 50 to 59: 10 percent
Age 60 to 69: 11.1 percent
How much should I be saving for retirement?
What if I don't have a 401(k)?
If you're one of the many Americans without access to a 401(k), don't stress, and don't use that as an excuse to put off saving for retirement. You have plenty of other options, including a traditional, Roth or SEP IRA, a health savings account (HSA) or a normal investment account.
Read up on all of your options, choose an account to fund and start setting aside money for your future today.
Don't miss: 1 in 3 Americans have less than $5,000 saved for retirement—here's why so many people can't save
Like this story? Subscribe to CNBC Make It on YouTube!
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Here  is  how  much  money  Americans  have  in  their  401(k)s  at  every  age  needsEditing  401k  retirement  investment 
september 2018 by neerajsinghvns
These are first 7 Alexa skills you should enable
https://www.cnet.com/how-to/the-first-alexa-skills-you-should-enable/
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august 2018 by neerajsinghvns
Learn what's new in Gmail - Gmail Help
https://support.google.com/mail/answer/7677724?p=new_gmail_optin&visit_id=636705353557803418-1958780699&rd=1 ;;;
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Gmail is getting an update
In less than 1 week, Gmail will get an updated look and new features like Snooze.
You can still go back to classic.
Learn more
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tags: Learn what is new in - Gmail Help | HowTo go back to older version style of google email ;;;
Learn  what  is  new  in  -  Gmail  Help  |  HowTo  go  back  to  older  version  style  of  google  email 
august 2018 by neerajsinghvns
What to say when a job interviewer asks, ‘Do you have any questions?’
What to say when a job interviewer asks, ‘Do you have any questions?’
August 10, 2018, 9:00 AM EDT
One of the most important moments of a job interview comes just before the end, when the hiring manager asks, "Do you have any questions for me?"
According to bestselling management author and CNBC contributor Suzy Welch, how you respond to this question, "the finale of your job interview," can either make you a front-runner for the job or significantly hurt your chances.
While you may be tempted to ask a simple question — for instance, "What would a typical day be like for me?" — doing so won't help you stand out.
"Don't do it," she says. "It's so expected. It's not particularly thoughtful. And it's probably already been covered."
Make the most of that crucial last opportunity to shine. According to the leadership and career expert, the best questions to ask a hiring manager should accomplish these two things:
1. Show you've been listening
"This is your chance to show you were fully engaged," Welch says. "Focus in on an aspect of the job as it's been described."
To show you've been paying attention, ask a question that digs deeper into part of the job description they laid out for you.
A great example of this, Welch says, is something like, "Mary said part of my job would be interfacing with the operations team. I'd love to hear a little more about what that entails."
2. Show you think big
Next, demonstrate that you think "expansively" by asking a forward-looking question on an industry-related topic.
"Go up to 20,000 feet," Welch says, "and ask about the competition, the industry."
You can ask about a new product or feature the company just rolled out, or you can inquire about a trend that's impacting the sector, citing an article you recently read.
A good example of this, Welch says, is saying something like: "I just read an interesting article about how your competitors are using artificial intelligence. How are you thinking about that development?"
That type of question shows your potential boss you are already thinking about the company and how it works.
"Show in a positive way that you're excited about the future," Welch says, "and that a part of your brain is already there."
And while you're thinking about what to ask, remember there are also topics you should avoid. Under no circumstances should you bring up salary or benefits during the interview.
"That's for after you get the offer," says Welch.
This is an updated version of a post that appeared previously.
Video by Mary Stevens .
Suzy Welch is the co-founder of the Jack Welch Management Institute and a noted business journalist, TV commentator and public speaker. Think you need Suzy to fix your career? Email her at gettowork@cnbc.com.
Like this story? Subscribe to CNBC Make It on YouTube!
More from Suzy Welch:
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august 2018 by neerajsinghvns
401(k) Mistakes to Avoid | 401ks | US News
401(k) Mistakes to Avoid
Those who understand the 401(k) rules can take care to minimize penalties and fees.
Fees and penalties for your 401(k) can often be avoided if you understand how your 401(k) plan works. You can also take advantage of employer contributions and tax breaks once you figure out how to qualify. Here's how to fix several common 401(k) problems.
A low default savings rate. Many employees are automatically enrolled in a 401(k) plan, typically at the default savings rate of 3 percent. But sticking with this low savings rate could be a mistake. "That 3 percent is not enough," says Shannon Nutter-Wiersbitzky, head of participant strategy and development at Vanguard. "If a younger person could start at the 12 percent rate, they are certainly going to benefit tremendously from the benefit of compounding over time." If you can't save that much at the beginning of your career, aim to increase contributions each year. "It's typical that you would start at potentially a lower percentage and then increase that over time," Nutter-Wiersbitzky says. "If you generally get your raise at the end of the year, set your 401(k) to automatically increase. You won't feel it as much in terms of what is being saved for you out of your pay."
[See: How to Max Out Your 401(k) in 2018.]
Missing out on the 401(k) match. Find out if your employer provides a 401(k) match, and make sure you save enough to qualify for the maximum possible match. One common 401(k) match formula is 50 cents per dollar saved up to 6 percent of pay. In this case you would need to save at least 6 percent of your salary in order to claim the full match. "A 401(k) match anywhere from 4 to 6 percent of pay is typical," says Gregg Levinson, a senior retirement consultant for Willis Towers Watson. "It might require 8 percent deferral [of your pay] to get the full 4 percent [match]."
Failing to maximize tax breaks. Workers defer paying income tax on the money they contribute to a traditional 401(k) plan. Participants can delay paying taxes on up to $18,500 in 2018. Those age 50 and older can make catch-up contributions of up to an additional $6,000. A 55-year-old in the 24 percent tax bracket could reduce his income tax bill by $5,880 if he maxes out his 401(k) plan. "There is a big tax advantage if you contribute to the max allowed," says Lavina Nagar, a certified financial planner and president of Maya Advisors in Palo Alto, California. "If you can stretch yourself and save the full $18,500, that is the ideal situation." Income tax won't be due on the money in your traditional 401(k) plan until it is distributed from the account.
Automatically accepting the default investment. Workers who are automatically enrolled in a 401(k) plan are invested in a default fund selected by the plan sponsor. The most common default investment is a target-date fund, which typically contains a mix of stocks, bonds and cash that grows more conservative over time. However, the fees, underlying investments and rate at which the fund grows more conservative won't be an ideal fit for all employees. Take a look at the other investment options in your 401(k) plan before sticking with a target-date fund.
Paying excessive 401(k) fees. While some 401(k) plans negotiate for low costs on behalf of their employees, others are riddled with expensive funds and excessive fees. However, you can move your money to lower cost funds within your 401(k) plan. Your 401(k) plan is required to send each participant an annual 401(k) fee disclosure statement that lists how much each fund in the 401(k) plan costs to own in a single chart. "There are disclosures that have to come with those investments that detail the fees," says John Scott, director of the The Pew Charitable Trust's retirement savings project. "You should be able to get that information from your human resources person or the plan service provider or the mutual fund provider." Check this document each year to see if there are lower cost funds in the 401(k) plan that will meet your investment needs.
[See: 9 Ways to Avoid 401(k) Fees and Penalties.]
Leaving the company before you are vested. You don't get to keep employer contributions to your 401(k) until you are vested in the account. Some 401(k) plans immediately vest company deposits, while others require several years of job tenure before you can keep any of the 401(k) match. There are also graduated vesting schedules that permit employees to keep a portion of the 401(k) match based on their years of service at the company, and some employers require five or six years on the job before employees qualify for the entire 401(k) match. "Vesting can be immediate or vesting can stretch over a period of time," Nagar says. "If you move you might leave something on the table, and that should be part of your negotiation for the new job."
Triggering the 401(k) early withdrawal penalty. Cashing out your 401(k) plan before age 59 1/2 (or in some cases age 55) will trigger a 10 percent early withdrawal penalty in addition to the income tax you will owe on the distribution. A $5,000 withdrawal at age 50 will result in a $500 early withdrawal penalty and another $1,200 in income tax for someone in the 24 percent tax bracket.
Initiating a 401(k) loan. If you need access to your savings before retirement, account owners are often allowed to take a 401(k) loan of as much as 50 percent of the vested account balance up to $50,000. The loan typically must be paid back with interest within five years. However, 401(k) loans charge a variety of fees and you miss out on the investment gains you could have earned in the account. "It should be a last resort because the interest isn't deductible and you're tapping into a retirement asset," says David Clarken, a certified financial planner for FWI Wealth Management in Atlanta, Georgia. If you leave your job, the loan balance must be paid back by the due date of your federal income tax return. Loans that aren't repaid on time are considered distributions, and taxes and penalties may apply.
Forgetting to take 401(k) distributions in retirement. 401(k) withdrawals are required after age 70 1/2. The penalty for missing a required distribution is 50 percent of the amount that should have been withdrawn. But you don't need to wait until age 70 to take retirement account distributions. Some retirees start withdrawals during their 60s, which allows you to space out the tax bill and in some cases pay a lower tax rate.
[See: How to Pay Less Taxes on Retirement Account Withdrawals.]
Ignoring old 401(k) plans. When you change jobs you can generally leave your retirement account balance in the 401(k) plan. You might want to maintain a 401(k) plan with a former employer if the plan has especially good investment options, low costs or contains company stock. However, if you have multiple 401(k) plans at several former employers you can simplify your financial life by consolidating accounts. Some workers open an IRA and roll their 401(k) balance into it each time they change jobs. Moving your money to an IRA maintains the tax benefits, while also giving you a wider range of investment options.
10 Tips for Rolling Over a 401(k) When You Change Jobs
1 of 12
(Getty Images)
Rollover options
Each time you change jobs you need to decide what to do with the money in your 401(k) plan. While you can typically leave the money in a former employer’s 401(k) plan, there’s also an opportunity to transfer your retirement savings to an individual retirement account or a new 401(k) plan. Here’s how to roll over your retirement savings when you leave a job.
Updated on May 16, 2018: This slideshow was originally published on Oct. 23, 2017, and has been updated with new information.
Maintain the tax benefits.
(Getty Images)
Maintain the tax benefits.
You can maintain the tax benefits of your 401(k) plan by rolling the account balance over to an IRA or transferring your savings to a new employer’s 401(k) if the plan allows it. However, there’s no need to make a quick decision. In most cases you can leave the money in a former employer’s 401(k) plan. Take some time to find another tax-deferred account that has the investment options you want at the best possible price.
Transfer your money directly.
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Transfer your money directly.
If you decide to move your money, you can avoid taxes and penalties by having the account balance directly transferred to a new retirement account via a trustee-to-trustee transfer. If a check is made out to you, 20 percent will be withheld for income tax. If you don’t put the entire distribution, including the withheld 20 percent, in a new retirement account within 60 days you will owe income tax on that money. A 10 percent early withdrawal penalty could also apply if you are under age 55. A trustee-to-trustee transfer allows you to avoid the tax withholding and potential fees.
Find better investment options.
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Find better investment options.
401(k) plans have a limited menu of funds, typically chosen by an employer, plan sponsor or consultant. While some 401(k) plans provide excellent investment options for participants, other 401(k) plans are riddled with overpriced funds and unnecessary fees. IRAs have a much wider selection of investment options. Take some time to shop around for the investments that make the most sense for your retirement portfolio. A job change can be an opportunity to move your money into better funds with lower fees.
Keep costs low.
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Keep costs low.
Retirement accounts charge a variety of administrative and maintenance fees and each individual fund charges an expense ratio or fee to maintain the fund and perhaps other costs. However, it is increasingly possible to find retirement accounts and funds that charge very low fees. It’s especially important to choose low-cost funds for your retirement savings because you are investing over a long period of time and might pay those fees for several decades. Paying lower fees means you get to keep more of your investment returns.
Pay attention … [more]
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august 2018 by neerajsinghvns
Better Buy: Amazon (AMZN) vs. Shopify (SHOP)
Better Buy: Amazon (AMZN) vs. Shopify (SHOP)
August 13, 2018, 11:00 AM EDT
Perhaps you've heard: E-commerce is eating retail. One walk around your -- probably vacant -- megamall should be all the evidence you need. Or maybe a glance at the cardboard boxes piling up on your neighborhood's front stoops will convince you of the trend.
But as big as e-commerce has gotten, here's the scary part: it still accounts for 9.5% of all retail purchases in the United States. That means that there's still tons of room for growth. And the two companies facing off today are at the forefront of that movement: Amazon (NASDAQ: AMZN) and Shopify (NYSE: SHOP).
Mini orange shopping basket on a smart device and a laptop with boxes
Image source: Getty Images.
While one company (Amazon) has created an Everything Store for people to shop at and created a fulfillment network to deliver all those packages, the other (Shopify) has created a platform that allows anyone to start a business with an online presence -- including on Amazon itself.
Which is the better buy at today's prices? Let's evaluate the question looking through three different lenses.
Financial fortitude
The first thing we want to do is check and see how safe our investment would be if tough economic times hit unexpectedly. Companies with large war chests and healthy cash flows not only survive such downturns but can actually grow stronger as a result. Those that are in heavy debt are in the opposite boat -- forced to narrow their ambitions to just stay afloat.
Remembering that Amazon is a $900 billion behemoth while Shopify is valued at "just" $16 billion, here's how the two stack up.
Company
Cash
Debt
Free Cash Flow
Amazon
$28 billion
$25 billion
$8 billion
Shopify
$1.6 billion
$0
($20 million)
Data source: Yahoo! Finance. Cash includes short- and long-term investments. Free cash flow presented on trailing 12-month basis.
On the one hand, Shopify is in a very healthy position given its secondary offering was recently successful and it has absolutely no long-term debt. Until recently, Amazon was in a similar position, but the company shelled out billions to acquire Whole Foods.
That being said, I still believe Amazon is in the superior position. Not only does it have far superior cash flows, but if tough economic times hit, CEO Jeff Bezos could take his foot off of the reinvestment pedal and I believe free cash flow could explode -- albeit at the expense of long-term opportunities.
Shopify might be able to do the same, but because the company's Merchant Solutions division would likely suffer in a downturn as well, I'm not sure the effect would be as positive for the company's balance sheet.
Winner = Amazon
Next we have valuation. And I'll spill the beans from the outset: neither one of these companies is anywhere near "cheap" based on traditional metrics. In fact, they're downright expensive -- insanely expensive if you ask conservative investors.
Data source: Yahoo! Finance, E*Trade. P/E calculated using actual and estimated non-GAAP earnings where applicable.
The task, then, is to simply ask: Which stock is less insanely expensive? Based on every metric above, that is clearly Amazon.
It's not every day you'll see Amazon being viewed as the "cheaper" stock, but when lined up against Shopify, it earns the designation.
Winner = Amazon
Finally, we have sustainable competitive advantages. Because both of these companies have multiple moats, we'll evaluate how they stack up in terms of the four major sustainable competitive advantages.
The first moat can come from intangible assets -- in this case, the strength of a company's brand. Within the industry for creating an e-commerce platform for small to medium-sized businesses, Shopify has an excellent brand name. When compared to Amazon -- whose brand Forbes ranks as the world's fifth-most valuable at $71 billion -- however, Shopify has the short end of the stick.
The next major moat comes from high switching costs. This is right in Shopify's wheelhouse. Once a company begins using Shopify to meet its e-commerce needs, the pain associated with switching to another provider is enormous. Not only are there migration and coding costs, but businesses suffer downtime and have to retrain their entire workforce on a new operating system. That's what has helped Shopify keep revenue retention above 100% for every year it's been a public company. One could make an argument that switching away from Amazon Prime offers the company a moat -- but there are no real metrics to track this, and Shopify's lead on this front is significant.
Low-cost production is the next major moat, and here is where Amazon is the clear winner. Because the company has spent decades and billions of dollars building out its network of fulfillment centers, it can afford to guarantee two-day delivery at a fraction of the internal costs competitors would have to fork over. Shopify has no such meaningful advantages.
Finally, there's the network effect. This moat comes into play when each additional user of a service makes the service more valuable. Both Amazon and Shopify benefit. For Amazon, the site has become such a popular destination for shoppers that third-party merchants are incentivized to list their wares on the site and use Fulfillment by Amazon for shipping. Revenue for third-party services grew 36% last quarter.
Shopify's network effect comes from the fact that third-party app developers look at Shopify's 600,000 merchants as a huge pool of potential customers. As more apps are developed for Shopify's platform, the tools attract ever more merchants -- a virtuous cycle.
Put it all together and you can see that while both companies have strong moats, Amazon comes out ahead.
Winner = Amazon
So there you have it: Amazon is cheaper, has a better balance sheet, and has a wider moat than Shopify. Don't let that stop you, however, from considering Shopify as well for your portfolio. I already have outperform ratings for both companies on my CAPS profile, and together, they account for 29% of my real-life holdings. While I clearly think Amazon is a better bet, they both deserve your consideration.
More From The Motley Fool
John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool's board of directors. Brian Stoffel owns shares of Amazon and Shopify. The Motley Fool owns shares of and recommends Amazon and Shopify. The Motley Fool has a disclosure policy.
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august 2018 by neerajsinghvns
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august 2018 by neerajsinghvns
The $250 Biohack That’s Revolutionizing Life With Diabetes - Bloomberg
The $250 Biohack That’s Revolutionizing Life With Diabetes
DIYers used a security flaw to bypass the $8.3 billion insulin delivery business with a cobbled-together artificial pancreas.
More stories by Naomi Kresge
August 8, 2018, 5:00 AM EDT
When her daughter, Sydney, was diagnosed with Type 1 diabetes at age 8, Kate Farnsworth stopped sleeping through the night. She’d set the alarm for 3 a.m. so she or her husband, Dave, could prick the girl’s fingers and check her blood sugar. If the results were worrisome, they’d adjust her insulin and keep checking every 15 minutes. At 6 a.m., another alarm went off to signal the next insulin dose, but by then, Kate had usually snapped awake again already. When Sydney got home from school each afternoon, Kate was there to check her glucose level. “Diabetes is one of the only diseases where you’re sent a prescription and have to adjust the dosage on your own” forever, Kate says. For Sydney, the biggest worry was “how I wouldn’t ever be normal again.”
Two exhausting years in, Kate found the beginnings of an alternative in an online forum. A loose confederation of do-it-yourselfers were working on a system that would eventually help link an insulin pump to a glucose monitor and connect both to a smartphone app. The idea was that the wearer—or her parents—could track and adjust her blood sugar, in person or from afar. That would mean fewer pinpricks, and far fewer alarms, because her blood sugar would stay out of the danger zone. Most of the time, the contraption would be able to regulate the wearer’s insulin itself.
Sydney Farnsworth (left) and her mother, Kate.
Photographer: Mark Sommerfeld for Bloomberg Businessweek
Two long years after that, Kate, a graphic artist in the Toronto suburbs, was able to follow the community’s step-by-step instructions and build her daughter what amounted to an artificial pancreas, the organ that regulates blood sugar. Suddenly, the Farnsworths could take a breath. Sydney, now 15, is still using an updated version of that DIY system, which, because a fellow DIYer donated the pump, cost only $250 to make. “I’m really happy with where I am now,” she says. “It’s so simple to just click a button and give insulin while I’m on my phone.” The app she uses, connected to a sensor under her skin, keeps monitoring her whether she’s sleeping, taking a math quiz, or doing jumps on her snowboard. “It has totally changed the way we manage diabetes,” Kate Farnsworth says.
Twenty years ago, internet utopians envisioned scientific innovation gradually becoming more open-source. Instead, most amateur “biohacking” has remained fringe-y and often focused on aesthetics—inserting lights under the skin as a fashion statement, for example. But like the prosthetic arm a teenager built himself out of Legos, the device keeping Sydney alive is a rare example of the idea working out, at least in microcosm. By some estimates, as many as 2,000 people around the world have used a home-built pancreas, cobbled together mostly via social media and the free-code clearinghouse GitHub. Tech support consists of parents and patients who use Facebook Messenger or email to help newcomers fix bugs or revive busted equipment. There are plenty of potential converts: In the U.S. alone, about 1.3 million people have Type 1 diabetes, and there are indications the technology could also help some sufferers of Type 2, the group that accounts for most of the world’s 422 million diabetes cases.
Although no users have reported a disastrous malfunction, trusting your life (or your child’s) to a DIY pancreas carries obvious risks. The U.S. Food and Drug Administration is years away from approving a comparably flexible and automated rig for sale. “You’ve got a group that is circumventing all of the controls that are in place,” says Hooman Hakami, president of the diabetes group at Medtronic Plc, the leader in the $8.3 billion market for old-school diabetes devices. “I can show you what a few of our engineers have put together over a weekend, and it would blow you away. But we don’t call that a finished product. We call that a prototype.”
So far, though, the rough-and-tumble version is way ahead of the market. Apple Inc. and Eli Lilly & Co. have hired DIYers, and Medtronic’s latest FDA-approved product can now do most of the things the Farnsworths’ system can—for $7,000, before insurance. It’s not hard to understand why diabetics and their loved ones might opt for the Farnsworth model, says Courtney Lias, who oversees chemistry and toxicology devices at the FDA’s Center for Devices and Radiological Health. “You can do everything on your phone except manage diabetes,” Lias says. “You should be able to do that, too.”
The DIY pancreas movement would never have happened if not for a Medtronic blunder. In 2011 a pair of security researchers alerted the public that the wireless radio frequency links in some of the company’s best-selling insulin pumps had been left open to hackers. Medtronic closed the loophole after the researchers warned of risks to patients, but it never recalled the devices, leaving thousands in circulation.
By then, Ben West, a programmer and diabetes patient in San Francisco, had decided to hack the pump. “This is not what I wanted,” he says. “This is all a last-ditch effort.” He says he’d been careful to use his existing pump as directed but still wound up in the hospital more than once when his blood sugar veered dangerously high or low. He despised needing to retreat to the corner of a party to prick his finger and test his blood sugar, and he couldn’t stand how his pump itched and came unstuck during yoga.
The Artificial Pancreas
Source: Loop Docs
Working evenings, weekends, and vacations for five years, West reverse-engineered the pump’s communications code, making it possible to send the device instructions. During that time, a group of DIYers calling themselves Nightscout figured out how to relay data from glucose monitors to a smartphone or watch, so parents could monitor kids’ blood sugar levels remotely. Theirs were the instructions Kate Farnsworth followed to build a homemade wireless link for Sydney’s glucose monitor and do the coding needed to create a custom display for the Pebble, an early smartwatch. Kate could then watch Sydney’s blood sugar move on her watch in real time during the day, texting her daughter if she saw any irregularities. And Sydney could watch her blood sugar move without drawing attention to herself in class.
In June 2014, West met Seattle couple Dana Lewis and Scott Leibrand, who had written an algorithm that could suggest insulin doses. The next step, they decided, was to automate the insulin pump using software. The three traded ideas on GitHub and at the Twitter office where Leibrand worked. By December, Lewis, who has diabetes, had hooked up her new artificial pancreas. At first, she intended to use it only while she slept, but it left her so well-rested that she kept it on during the day. “It has constantly surpassed my expectations,” she says.
West, Lewis, and Leibrand posted their work in early 2015. It was intimidating for nonprogrammers such as Kate Farnsworth to try to replicate, but when DIY coder Nate Racklyeft created Loop, a more user-friendly version for the iPhone, Farnsworth decided to try it out. Yet another DIYer gave her an old, hackable Medtronic pump, which she connected to a glucose monitor and the app using a tiny Bluetooth-equipped computer called a RileyLink. It was designed by Minnesotan DIYer Pete Schwamb, whose daughter, Riley, has diabetes.
In 2016, with the components spread out on the desk in her home office, Farnsworth decided to test the system with water and without Sydney, by then 13, attached. She filled the pump and aimed its tube into a napkin, watching it spit out tiny jets of faux insulin as the app showed her daughter’s blood sugar rise and fall. “I could see the logic of it,” she says. After two days, she was satisfied everything worked properly, and on a weekend when the family had no other plans, they tried it out for real. “That was the first night I slept through the night in years,” she says.
Kate applies the glucose monitor to Sydney.
Photographer: Mark Sommerfeld for Bloomberg Businessweek
Farnsworth set up a Facebook group called Looped to help other parents follow her lead. Today it has more than 4,000 members, and Farnsworth spends several hours a day answering messages from curious parents. “They know their kids the best,” she says, “and sometimes technology or medicine is slower and doesn’t know what we need as much as we do.” Loop volunteers have shipped about 2,000 RileyLinks, built by a Kentucky company that mostly makes parts for electric guitars, as far away as China and Sierra Leone.
Nightscout, the DIY group, has grown from five families in April 2014 to some 55,000 people in 33 countries. A European team recently created an app for Android phones and cracked the code in a popular pump from Roche Holding AG. About 50 people signed up for the Android system last month, says developer Milos Kozak.
On a warm weekend in late May, Kozak hosted about 20 DIYers from around Europe in Prague. Accustomed to conversing via Gitter, a chat platform for open-source coders, it was the first time many had met in person. The youngest of the group was 15-year-old Tebbe Ubben, who’d helped build his own artificial pancreas and had traveled by train from rural Germany. “If I can showcase something that results in a manufactured product changing, that’s exactly what I want,” says Jon Hudson, a U.K. software engineer who helped Ubben with his rig.
At least one big device maker has given up on the artificial pancreas. Johnson & Johnson shut down its project last year, saying it could no longer charge enough for its hardware to make further research and development worth its while. Despite shrinking profit margins, however, the DIY projects have helped stir industry … [more]
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august 2018 by neerajsinghvns
These 5 tech stocks are in a dot-com-like bubble (and they aren’t all FAANGs) - MarketWatch
These 5 tech stocks are in a dot-com-like bubble (and they aren’t all FAANGs)
Getty Images
Spot the micro bubbles.
Although the overall stock market looks reasonably valued, there are pockets of extraordinary risk where stocks with 2000-bubble-like valuations lurk.
Specifically, there is a “micro bubble” in certain tech stocks, where valuations reflect expectations for future cash flows that would require unrealistically high margins, growth, and market share. These expectations might not be so “bubbly” if not for the fact that the current margins and cash flows of these companies have trended at very low or negative levels for years.
5 tech stocks in a micro bubble
Figure 1 lists the five tech stocks we put in our first micro bubble. They share a few key characteristics:
• Low or negative return on invested capital (ROIC) and free cash flow
• Unrealistically high valuations: all 10 companies either have negative economic book values, or they have a PEBV above 20
• Expectations that they achieve heretofore unseen dominant market shares
These are five of the largest micro-bubble companies. Briefly, here’s what makes each of these companies part of the micro-bubble.
Amazon
Fun fact: Amazon’s AMZN, +0.20% $885 billion market cap is higher than Walmart WMT, +0.45% Home Depot HD, +0.69% Oracle ORCL, -0.39% and Disney DIS, +0.53% combined. Investors are betting that Amazon can grow to dominate multiple industries while earning significantly higher margins than it does now.
Amazon has finally shown an ability to earn a profit, but it still must grow net operating profit after tax (NOPAT) by 30% compounded annually for 19 years to justify its current valuation. See the math behind this dynamic DCF scenario. For comparison, only six companies in the S&P 500 SPX, +0.28% managed to grow NOPAT by 30% compounded annually for just the past 10 years. Maintaining that growth rate for nearly double that time frame would be an extraordinary feat.
Amazon prefers to point investors to free cash flow, but its reported free cash flow numbers are an illusion. In reality, the company continues to experience significant cash outflows.
Investors who focus on understanding true cash flow and fundamentals know the disconnect between actual cash flow and the market’s expectations for future cash flows borders on the absurd.
Netflix
Netflix NFLX, +0.16% has become one of the leading creators of original content, but it’s done so with an unsustainable cost structure. As this excellent video from The Ringer explains, Netflix earns an accounting profit, but only because its reported content costs understate its actual content spending by about 50%. The company continues to lose billions of dollars a year and grows increasingly dependent on the high-yield debt market.
Felix Salmon of Slate recently published a piece titled “Netflix Can Either Become the Dominant Media Monopoly of the 21st Century or Go Bust.” The market values Netflix as if it will be that dominant monopoly when, frankly, there’s a very good chance it goes bust. Risk/reward for this stock is so bad that no investor with any respect for fundamentals can own this stock in good conscience.
Salesforce.com
Salesforce CRM, +1.21% has racked up losses for years while pursuing growth at any cost. The theory behind this strategy is that the company will eventually be able to cut back heavily on its marketing and R&D costs while maintaining its recurring revenue stream.
Even if this strategy does work, which is far from certain, the company is currently valued at 10 times revenue, or double the valuation of Oracle. This hasn’t dissuaded bulls, as Salesforce generates classic tech bubble-style headlines like “Ignore Salesforce’s Valuation.” In other words, they want investors to ignore fundamentals.
Tesla
Tesla TSLA, -1.09% currently has a higher market cap than GM GM, -0.05% despite selling about 1% as many cars in 2017. What’s more, GM is already ahead of Tesla in self-driving technology and rapidly catching up when it comes to electric vehicle production.
Elon Musk keeps promising that Tesla will revolutionize the auto industry, but so far Tesla hasn’t shown an ability to navigate the manufacturing logistics that the established auto makers figured out decades ago. The company’s valuation is blind to fundamentals and seems entirely focused on the cult of personality that has built up around Musk.
Read: Tesla confirms intention to go private, sending stock up 11%
Spotify
Spotify Technology SPOT, -0.24% wants to disrupt the music industry, but so far it remains beholden to the Big Three record labels that own 85% of the music streamed on its platform. The market thinks of Spotify as a trendy tech company, but as we wrote in our report on the stock, the economics of its business are more similar to the movie theater industry.
Spotify’s leverage against the record labels is further weakened by the rapid growth of competitors like Apple Music AAPL, -0.08% It’s hard to see how Spotify can justify the growth expectations implied by its valuation unless it could pull off the unlikely feat of taking over ownership of its content from the labels while holding off competition from other streaming services (all without having to overspend like Netflix has).
Again, we see a company where the valuation reflects the best-case scenario with little to no tether to fundamentals.
How to bet against the micro bubble
Investors that want to bet against these micro-bubble stocks can short them directly, but that can be expensive and risky for these momentum-driven companies. As the saying goes, the market can stay irrational longer than you can stay solvent.
Another way to profit from the busting of this micro bubble is to invest in the incumbents from which these companies must take major chunks of market share. When these micro-bubble stocks fall back to earth, a great deal of capital should be reallocated to the incumbents.
Macro bubbles vs. micro bubbles
Today’s market has some micro bubbles, or smaller groups of overhyped stocks trading at ridiculous valuations.That makes it very different from the tech bubble, which was a macro bubble, a marketwide phenomenon that distorted the valuation of the entire market.
A few new features are shaping the market now and explain why today’s bubbles are unlikely to spread to the entire market, at least for the foreseeable future:
• Politicians and policy makers are focused on preventing macro market crashes. Today’s politicians and policy makers are heavily shaped by both the housing bubble of the mid-2000s and the tech bubble of the late 1990s. They will likely do everything in their power to prevent recurrence of such cataclysmic events on their watch.
• Rising influence of noise traders. Noise traders, who make investment decisions based on noise and have no regard for fundamentals, are an increasingly influential force in today’s market. Roughly a quarter of all U.S. adults with internet access are retail online traders. That’s around 50 million investors who don’t have professional trading (much less investing) experience and might be more susceptible to buying into “story” stocks without understanding the fundamentals. There’s power in those numbers.
• Overhyping “transformative” technology. The splintering of online media has led journalists to overhype nearly every new technology and trend in a relentless competition for clicks. For example, despite the “Retail Apocalypse” narrative, brick-and-mortar sales still account for 90% of retail sales, and Walmart earned nearly three times more revenue than Amazon last year. In reality, very few new technologies are as transformative as we like to imagine.
• Value transfer vs. value creation. Too many investors overestimate the value-creation opportunities for new technologies. Even when technologies are transformative, predicting who will reap the benefits of these technologies is difficult. Often, most of the value accrues to end users/consumers and not corporations. When it does accrue to a company, it’s usually at the expense of another company. During the tech bubble, bulls believed the internet would make our economy radically more productive and allow the GDP growth rate of around 5% in the late 90’s to persist for many years. When this utopian future failed to materialize, the market collapsed. By contrast, today’s micro-bubble companies compete against firmly established incumbents from which they must take large chunks of market share to survive. Instead of adding value, these companies aim to take value from existing players. Even if they succeed, we think much of that value will eventually pass to consumers.
This last point is key. In 1999, investors gave Microsoft MSFT, -0.10% its absurdly high valuation because they believed its software would create enormous amounts of value and growth for thousands of other companies. On the other hand, Tesla’s sky-high valuation implies it will take market share away from General Motors and Ford F, +0.50% which decreases the valuation of those companies.
These modern-day micro bubbles reflect the zero-sum nature of today’s crowded and more mature competitive landscapes.
Why we’re not in a macro bubble
Figure 2 sums up the difference between the tech bubble and today’s market pretty clearly. It shows the price to economic book value (PEBV) of the largest 1,000 U.S. stocks by market cap going back to 2000. PEBV compares the current valuation of a company compared to the zero-growth value of its cash flows, i.e. NOPAT, so a higher PEBV means the market expects more future cash flow growth.
While the market’s PEBV has more than doubled since 2012, from 0.7 to 1.5, it’s nowhere close to its tech bubble level of 5.7.
There are definitely some outrageously valued companies out there, but those high valuations … [more]
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august 2018 by neerajsinghvns
Fwd: How to make your iPhone videos look like Hollywood movies
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august 2018 by neerajsinghvns
Google Maps popular times shows you wait times
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august 2018 by neerajsinghvns
TOTO Washlet: Meet the TOTO WASHLET ; competitor bidet
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august 2018 by neerajsinghvns
10 Reasons Why I'm Selling All of My Apple Stock
10 Reasons Why I'm Selling All of My Apple Stock
This Fool thinks it is finally time to cash out on one of his biggest winners of all time.
Brian Feroldi
I've been an Apple (NASDAQ:AAPL) fanboy for nearly two decades, so this is a bittersweet article for me to write. In my house, you'll find two iPhones, three iPads, an Apple Watch, an Apple TV, and an iMac. My three young children literally have no clue how to use Microsoft Windows.
My love affair with Apple's products convinced me to become a shareholder in February of 2010. I made several more purchases in the ensuing years. My average cost basis is about $35 per share. With the stock currently hovering around $193, buying and holding Apple ranks as one of the smartest financial decisions that I've ever made.
And yet, despite my long-term devotion to Apple's products and stock, I've concluded that it's finally time for me to move on. Here are 10 reasons why I've decided to cash in all of my chips.
Image source: Apple.
1. The megacap multiplier obstacle
Apple's market cap is $949 billion as I type this. That makes it the most valuable publicly traded company in the world. Long-term shareholders like me have already won big by owning this stock.
The downside to Apple's gargantuan size is that it's going to be extremely difficult for the stock to produce multibagger returns from here. Fool co-founder David Gardner coined the term "the megacap multiplier obstacle" to describe this principle many years ago. The idea is that it becomes harder and harder for a company to double in value as it increases in size.
Consider this: Even after factoring in hundreds of billions in additional stock buybacks, Apple's market cap would probably have to reach $1.7 trillion or so for the stock to double from here.
2. My upgrade cycle has been getting longer
I vividly remember buying my first iPhone. I happily switched from a BlackBerry Storm -- which was a piece of junk -- the day that the iPhone became available on Verizon Communications' network.
Switching was an amazing experience. The iPhone was fast, intuitive, and extremely useful. I was so happy with my decision that I convinced my wife to become an iPhone user soon after.
We both happily jumped on the iPhone upgrade cycle. We were happy to pay up to get our hands on the latest iPhone as soon as we qualified for an upgrade.
Unfortunately, the charm has worn off. We eventually realized that we use our iPhones primarily for text messaging, taking pictures, browsing the web, posting to Facebook, and listening to podcasts. Our current iPhone 6s handles all of these tasks just as well as a brand-new iPhone X. Paying hundreds to upgrade every two years now just seems like a waste of money.
It's a similar story for our other Apple products. Our iPads, Apple TV, and iMac were all purchased years ago and continue to function flawlessly.
Our revised upgrade strategy is to buy used Apple products that are at least two generations old off of sites like eBay, glyde.com, or gazelle.com. Aside from a few small hardware differences, we can barely tell the difference between these new-to-us models and our old products. They are functionally identical.
I have no doubt that millions of other loyal Apple users have reached the same conclusion. If my assumption is true, then it will act as a major drag on unit sales volume growth for many years to come. That's a big problem since the vast majority of Apple's revenue is generated from the sale of brand-new products.
3. Average selling prices on iPhones could be peaking
While Apple's portfolio has become more diversified over time, the iPhone still accounts for more than 60% of total revenue. That means that top-line growth will be driven by two primary levers for the foreseeable future: iPhone unit volumes and average selling price.
I have a hard time seeing the company producing meaningful unit volume growth from here. The company sold 217 million iPhones in the last 12 months. Since there are only so many consumers around the world that can afford to buy a brand-new iPhone in any given year, moving this number higher is going to be very challenging. That's especially true since Mary Meeker's must-read 2018 Internet Trends report just showed that worldwide smartphone shipment volumes were flat in 2017.
This likely means that Apple's most important lever for driving iPhone revenue growth is the average selling price. On this front the company is currently doing phenomenally well. Last quarter Apple reported unit volume growth of just 3%, but total iPhone revenue actually grew by 14%. The big difference between those two numbers is largely owed to surging average selling prices thanks to the recent launch of the ultra-premium iPhone X.
This leads to the question: Will Apple still be able to sell enough ultra-premium iPhones to keep its average selling price so high? It's possible, but I think that skepticism is warranted since iPhone X demand appears to be weaker than the company was expecting.
If iPhone average selling prices do flatline (or fall) and unit volume growth stalls, then Apple is going to struggle to move its top line higher.
4. The repatriation tax catalyst is over
Apple bulls have been pointing to the company's massive overseas cash hoard for years as a potential catalyst. The idea was that Congress would eventually change its repatriation tax policy that kept the vast majority of Apple's cash trapped overseas. Once the law was changed, Apple would be finally able to use its mountain of cash to reward shareholders.
Well, now that the lower repatriation rate has been announced, Apple CFO Luca Maestri recently said that the company's goal is to become cash neutral over time. Getting there will require spending hundreds of billions on buybacks, which is great news for shareholders.
However, since this news is so well known, I think it is reasonable to assume that this catalyst has already been priced in.
5. Apple is behind in the home-speaker market
While Apple has a history of slowly entering new markets -- there were plenty of other smartphones, tablets, and smartwatches available before the iPhone, iPad, and Apple Watch were introduced -- I think there are reasons to worry that Apple won't be successful with its delayed entry into the home-speaker market. This market is already flooded with popular products made by Amazon (NASDAQ: AMZN) and Alphabet (NASDAQ: GOOG)(NASDAQ: GOOGL). These companies sell a range of cheap products that are supported by vast ecosystems that make them highly attractive to consumers.
Will the superior sound quality of the HomePod prove to be enough to convince consumers to pay a big premium to own it instead of the current market-leading devices? While that can't be ruled out, the early signs are not very encouraging.
6. The Buffett bump
Warren Buffett recently took investors by surprise when SEC filings showed that his Berkshire Hathaway he had been buying Apple's stock hand over fist. In fact, it's bought so much Apple stock that it has officially overtaken Wells Fargo as Berkshire Hathaway's largest publicly traded stock position.
While it is great to see such a huge vote of confidence from Buffett, I think that his interest in the stock is at least partially responsible for Apple's recent P/E ratio expansion to a five-year high.
AAPL PE Ratio (TTM) data by YCharts.
Will Buffett's blessing allow Apple to sustain its higher valuation in the years ahead? It's possible, but that theory didn't hold up when Buffett took a meaningful position in IBM a few years ago.
7. Apple deserves to trade at a below-market multiple
Apple bulls will point out that even after the recent run, shares trade for "only" 18 times trailing earnings. That seems to be low when considering that the average company in the S&P 500 currently trades for about 25 times trailing earnings. The mismatch makes no sense to many investors since Apple is clearly a better company than the average business.
For the longest time, I couldn't figure out why the market wouldn't award Apple an above-average multiple either. However, I've since changed my tune and now fully agree that Apple deserves to trade at a below-market multiple.
Why? The reason is that Apple is a tech hardware company at its core. The vast majority of the company's revenue and profits are made from selling brand-new iPhones, iPads, iMacs, and other electronic products. This means Apple has to continually refresh its product lines with brand-new features that continually convince customers to stay loyal and upgrade. If new products fail to capture the public's attention -- or even just don't sell as well as a previous model -- then Apple's revenue and profits would fall hard.
Thus far Apple hasn't had any problems convincing millions of customers to buy its new products in droves as soon as they come out. But will this still ring true three, five, or 10 years from now? That's awfully hard to say since the tech world moves fast.
This omnipresent uncertainty is likely to be a major reason why Wall Street consistently keeps Apple's P/E ratio so low. Since this situation won't change anytime soon, I have a hard time believing that Apple's current P/E ratio of 18 means that its stock is "cheap." In fact, I think there's an argument to be made that today's valuation is actually quite generous, especially when compared to what this company's P/E ratio has been over the last five years.
8. Dividends and buybacks don't excite me
There's no doubt that Apple has become one of the most shareholder-friendly companies in the world since Tim Cook became CEO. Under his watch, Apple has spent hundreds of billions of dollars on stock buybacks and dividends
I love dividends and stock buybacks as much as the next investor, but I have a hard time getting excited about owning a business that relies heavily on financial engineering to drive earnings growth.
9. I've got plenty of other FAANG exposure
FAANG is an investing acronym that stands for Facebook, Amazon, Apple, Netflix, and Google (Alphabet). These super-high-quality tech … [more]
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july 2018 by neerajsinghvns
Apple and FANG could lose a third of value, market watcher warns
Apple and the FANG stocks could lose at least a third of value, market watcher warns
Keris Lahiff
Wall Street's crown jewels, the FAANG stocks, have lost their shine lately.
Facebook, Apple, Amazon, Netflix and Google parent Alphabet are selling off again Monday after losing a combined $185 billion over the previous two sessions.
Ahead of Apple earnings scheduled for Tuesday evening, Larry McDonald, editor of the Bear Traps Report, warns to stay away from what has been one of the hottest areas of the market this year.
"These are stocks you want to run away from," McDonald told CNBC's "Trading Nation" on Friday. "I see potentially 30 percent to 40 percent downside on the FAANGs."
A 30 percent decline would turn Apple and Alphabet lower for the year. Facebook is already negative for 2018 and currently trading in a bear market having fallen more than 20 percent from its 52-week high.
Netflix is close to a bear market, but would still be positive for the year if it fell 30 percent from current levels. Amazon would also remain higher for 2018, but would be pulled into a bear market.
McDonald sees a brewing crisis in passive investing, a method where capital is placed in market-weighted indexes over individual stock picks. The FAANG names make up a large portion of a number of popular indexes.
"About $6 trillion has come into passive management in recent, say, last five to 10 years, and all of that money has to go into the FAANG stocks," said McDonald.
Apple is the largest holding in the SPY S&P 500 ETF with a 4 percent weighting. Alphabet and Facebook make up a combined 5 percent, while Amazon makes up 3 percent. Apple, Amazon, Alphabet, Facebook and Netflix made up nearly 40 percent of the QQQ Trust.
McDonald's call on Apple is a contrarian one. Bill Baruch, president of Blue Line Futures, is bullish on the iPhone maker, alongside the majority of Wall Street analysts.
"Apple will be a buy at about $189 to $190.25. That's where I think you've got to step in and look to be buying that," Baruch said Friday on "Trading Nation." "I think we'll find Apple higher than this by the end of the year."
Sell-offs in Apple over the last two days have put the shares within Baruch's range. By midday Monday, it was trading at $189.90 a share.
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july 2018 by neerajsinghvns
1-Minute Tech Tip: What is "AutoSize Planes"? - YouTube
tags: 1-Minute Tech Tip : What is " AutoSize Planes "? - YouTube | video solidworks auto resize autoReSize needsEditing ;;;
1-Minute  Tech  Tip  :  What  is  "  AutoSize  Planes  "?  -  YouTube  |  video  solidworks  auto  resize  autoReSize  needsEditing 
april 2018 by neerajsinghvns
PACIFIC for March 26: Apple fires on Facebook - Mar. 26, 2018
http://money.cnn.com/2018/03/26/technology/pacific-newsletter/index.html ;;;
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Apple CEO Tim Cook at the China Development Forum in Beijing:

• On privacy abuse: "[Facebook's misuse of data] is so dire and has become so large that probably some well-crafted regulation is necessary."

• On data harvesting: "The ability of anyone to know what you've been browsing about for years, who your contacts are, who their contacts are, things you like and dislike and every intimate detail of your life -- from my own point of view it shouldn't exist."
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PACIFIC  for  March  26:  Apple  fires  on  Facebook  -  Mar.  26  2018  ||  news  cnn  how  much  data  harvesting  is  done  by 
march 2018 by neerajsinghvns
If sin (x-20) °= (3x-10) ° then what is the value of x? - Quora
https://www.quora.com/If-sin-x-20-%C2%B0-3x-10-%C2%B0-then-what-is-the-value-of-x ;;;
tags: If sin (x-20) °= (3x-10) ° then what is the value of x? - Quora | komal neha harshu DPS 2017-18 2017-2018 20180112 Q5 || k sai siddhartha ;;;
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question is stated incorrectly at the top of the page, but if you search for ONGC, you will get to the correct question and its solution.
ctrl+F= ongc <<< <<< <<< <<< <<< <<< <<< <<< <<< <<< <<< <<< <<< <<<
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If  sin  (x-20)  °=  (3x-10)  °  then  what  is  the  value  of  x?  -  Quora  |  komal  neha  harshu  DPS  2017-18  2017-2018  20180112  Q5  ||  k  sai  siddhartha  vaibhav 
february 2018 by neerajsinghvns
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