Advertisements



PagSeguro Digital reinstated with an Outperform at Bradesco BBI

See the rest of the story here. Theflyonthewall.com provides the latest financial news as it breaks. Known as a leader in market intelligence, The Fl.....»»

Category: blogSource: theflyonthewallMay 25th, 2021

3 HMO Stocks That Outperformed the S&P Index in a Year"s Time

Membership growth, mergers and buyouts, and investment in technology are likely to aid health insurance companies like ANTM, MOH, and UNH to outperform the S&P Index. The health insurance industry more popularly called Health Maintenance Organization (HMO) has been gaining from mergers and acquisitions, solid revenues, investments in technology, diversified businesses, contract wins, strong Medicaid and Medicare businesses and cost-curbing measures.The companies delivered solid results in the first half of the year, which even made some of the leading insurers hike their 2021 guidance.The industry players are also constantly forging alliances to penetrate geographies and meet demands of the market. Other constant factors, such as aging U.S. population, solvency levels and demand for Medicare poise the industry participants well for growth. Full government backing related to the Affordable Care Act also helped the industry gain a sweet spot.This reform instituted by the then President Barack Obama back in March 2010, has been one of the major drivers for the industry despite inducing some challenges. And the current President Joe Biden continued supporting ACA, which came as a welcoming relief to the industry players. The government’s support for the ACA is aimed at bringing more Americans under the health insurance coverage. This will directly buoy the health insurers’ top line.Further Upside Left?The overall bullish scenario makes us optimistic about the health insurance industry’s consistent growth, which should boost prospects of its participating companies with sound business fundamentals.Here are some of the factors that will positively impact the companies.Consistent With Mergers & Acquisitions Strategy: The health insurers continue to intensify their focus on the M&A strategy, which helped them boost their business scale and expand their presence. These initiatives led to an improved quality of care and brought about diversification benefits.Growing Senior Population: With aging population in the United States and seniors accounting for a higher percentage of the total population, overall demand for health insurance among the aged will soar. Medicare Advantage (MA) is the private version of the government Medicare program. MA plans are attractive to seniors on the back of declining member premiums, new benefits and less attractive medigap options.Increased Automation:  The industry also joined the movement of digital revolution by embracing cutting-edge technology for operational use. It was slow in this transition but the coronavirus pandemic accelerated the process.Use of chatbots and AI-based voice, assistants, augmented reality (AR), virtual reality (VR) and mixed reality (MR), mobile-based apps, robots, cloud computing, analytics among other technologies are expected to optimize healthcare delivery and workflow while minimizing unnecessary costs. This should lead to operational excellence and better customer experience. Insurers who can bridge the physical-virtual gap will be the frontrunners in the industry.Industry player UnitedHealth Group Inc. UNH leads the pack with a separate unit named OptumInsight, which offers software, data analytics and related services to healthcare providers.Rising Membership: The industry players are well-poised for growth on the back of several contract wins. Moreover, Biden allowed a Special Open Enrollment window on Feb 15 and extended the same to Aug 15. This gave Americans another chance to buy insurance coverage online on health exchanges. Biden's support for ACA led to a membership hike for companies like Centene Corporation CNC during the special enrollment period. This also made them raise their membership outlook for the current year. Per insurers, the current year might be the best selling phase for them. Insurers like UnitedHealth and Cigna Corp. CI are expanding their presence on the exchanges by tapping new areas.3 Stocks on WatchlistThe Zacks  HMO  industry, which is housed within the broader Zacks  Medical  sector, currently carries a Zacks Industry Rank #104. This places it in the top 41% of 252 Zacks industries.The Zacks HMO industry has grown 37.3% in a year’s time compared with the S&P Index’s rally of 39.4%.These health insurance stocks hold ample growth prospects to retain stability in the days ahead. Here are three stocks that presently have a Zacks Rank #3 (Hold) and managed to surpass the S&P Index in the past year. All the companies have a VGM Score of A. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.Anthem Inc.’s ANTM strategic buyouts and collaborations and an improving top line along with the company’s expanded product portfolio should drive long-term growth. Its solid 2021 guidance impresses. Over the past 60 days, the stock has witnessed its 2021 earnings estimate move 0.2% north. In the past year, shares of the company have gained 54.8%.Molina Healthcare, Inc.’s MOH ability to engage in inorganic growth initiatives and capital deployment reflect an improved financial position. Its strong 2021 outlook encourages. Over the past seven days, the company has witnessed its 2022 earnings estimate move 1.5% north. Over the past year, the stock has surged 84.7%.UnitedHealth Group continued strong growth at Optum as well as UnitedHealthcare segments are driving revenues. Its favorable government business and a strong capital position are other positives. Over the past 30 days, the stock has witnessed its 2022 earnings estimate move 0.4% north. In the past year, shares of the company have surged 41.4%.Image Source: Zacks Investment Research Time to Invest in Legal Marijuana If you’re looking for big gains, there couldn’t be a better time to get in on a young industry primed to skyrocket from $17.7 billion back in 2019 to an expected $73.6 billion by 2027. After a clean sweep of 6 election referendums in 5 states, pot is now legal in 36 states plus D.C. Federal legalization is expected soon and that could be a still greater bonanza for investors. Even before the latest wave of legalization, Zacks Investment Research has recommended pot stocks that have shot up as high as +285.9%. You’re invited to check out Zacks’ Marijuana Moneymakers: An Investor’s Guide. It features a timely Watch List of pot stocks and ETFs with exceptional growth potential.Today, Download Marijuana Moneymakers FREE >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report UnitedHealth Group Incorporated (UNH): Free Stock Analysis Report Molina Healthcare, Inc (MOH): Free Stock Analysis Report Cigna Corporation (CI): Free Stock Analysis Report Centene Corporation (CNC): Free Stock Analysis Report Anthem, Inc. (ANTM): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksSep 24th, 2021

Pinterest (PINS) Stock Sinks As Market Gains: What You Should Know

Pinterest (PINS) closed the most recent trading day at $54.02, moving -0.3% from the previous trading session. In the latest trading session, Pinterest (PINS) closed at $54.02, marking a -0.3% move from the previous day. This move lagged the S&P 500's daily gain of 1.21%.Prior to today's trading, shares of the digital pinboard and shopping tool company had lost 3.54% over the past month. This has lagged the Computer and Technology sector's gain of 1.28% and the S&P 500's loss of 0.9% in that time.PINS will be looking to display strength as it nears its next earnings release. The company is expected to report EPS of $0.24, up 84.62% from the prior-year quarter. Meanwhile, our latest consensus estimate is calling for revenue of $627.57 million, up 41.79% from the prior-year quarter.For the full year, our Zacks Consensus Estimates are projecting earnings of $1.09 per share and revenue of $2.65 billion, which would represent changes of +159.52% and +56.27%, respectively, from the prior year.Any recent changes to analyst estimates for PINS should also be noted by investors. These revisions typically reflect the latest short-term business trends, which can change frequently. With this in mind, we can consider positive estimate revisions a sign of optimism about the company's business outlook.Our research shows that these estimate changes are directly correlated with near-term stock prices. We developed the Zacks Rank to capitalize on this phenomenon. Our system takes these estimate changes into account and delivers a clear, actionable rating model.The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. Within the past 30 days, our consensus EPS projection remained stagnant. PINS is holding a Zacks Rank of #2 (Buy) right now.In terms of valuation, PINS is currently trading at a Forward P/E ratio of 49.56. For comparison, its industry has an average Forward P/E of 58.18, which means PINS is trading at a discount to the group.The Internet - Software industry is part of the Computer and Technology sector. This group has a Zacks Industry Rank of 207, putting it in the bottom 19% of all 250+ industries.The Zacks Industry Rank gauges the strength of our individual industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.To follow PINS in the coming trading sessions, be sure to utilize Zacks.com. More Stock News: This Is Bigger than the iPhone! It could become the mother of all technological revolutions. Apple sold a mere 1 billion iPhones in 10 years but a new breakthrough is expected to generate more than 77 billion devices by 2025, creating a $1.3 trillion market. Zacks has just released a Special Report that spotlights this fast-emerging phenomenon and 4 tickers for taking advantage of it. If you don't buy now, you may kick yourself in 2022.Click here for the 4 trades >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Pinterest, Inc. (PINS): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksSep 23rd, 2021

The Trade Desk (TTD) Gains But Lags Market: What You Should Know

The Trade Desk (TTD) closed the most recent trading day at $76.40, moving +1.08% from the previous trading session. The Trade Desk (TTD) closed at $76.40 in the latest trading session, marking a +1.08% move from the prior day. The stock lagged the S&P 500's daily gain of 1.21%.Coming into today, shares of the digital-advertising platform operator had lost 5.6% in the past month. In that same time, the Computer and Technology sector gained 1.28%, while the S&P 500 lost 0.9%.Wall Street will be looking for positivity from TTD as it approaches its next earnings report date. In that report, analysts expect TTD to post earnings of $0.16 per share. This would mark year-over-year growth of 23.08%. Meanwhile, our latest consensus estimate is calling for revenue of $283.6 million, up 31.23% from the prior-year quarter.For the full year, our Zacks Consensus Estimates are projecting earnings of $0.78 per share and revenue of $1.17 billion, which would represent changes of +13.04% and +40.36%, respectively, from the prior year.Any recent changes to analyst estimates for TTD should also be noted by investors. Recent revisions tend to reflect the latest near-term business trends. As such, positive estimate revisions reflect analyst optimism about the company's business and profitability.Based on our research, we believe these estimate revisions are directly related to near-team stock moves. We developed the Zacks Rank to capitalize on this phenomenon. Our system takes these estimate changes into account and delivers a clear, actionable rating model.The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. The Zacks Consensus EPS estimate remained stagnant within the past month. TTD is currently a Zacks Rank #2 (Buy).In terms of valuation, TTD is currently trading at a Forward P/E ratio of 97.52. This valuation marks a premium compared to its industry's average Forward P/E of 27.71.Meanwhile, TTD's PEG ratio is currently 4.24. The PEG ratio is similar to the widely-used P/E ratio, but this metric also takes the company's expected earnings growth rate into account. The Internet - Services industry currently had an average PEG ratio of 4.01 as of yesterday's close.The Internet - Services industry is part of the Computer and Technology sector. This industry currently has a Zacks Industry Rank of 171, which puts it in the bottom 33% of all 250+ industries.The Zacks Industry Rank includes is listed in order from best to worst in terms of the average Zacks Rank of the individual companies within each of these sectors. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.Make sure to utilize Zacks. Com to follow all of these stock-moving metrics, and more, in the coming trading sessions. More Stock News: This Is Bigger than the iPhone! It could become the mother of all technological revolutions. Apple sold a mere 1 billion iPhones in 10 years but a new breakthrough is expected to generate more than 77 billion devices by 2025, creating a $1.3 trillion market. Zacks has just released a Special Report that spotlights this fast-emerging phenomenon and 4 tickers for taking advantage of it. If you don't buy now, you may kick yourself in 2022.Click here for the 4 trades >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report The Trade Desk Inc. (TTD): Free Stock Analysis Report To read this article on Zacks.com click here......»»

Category: topSource: zacksSep 23rd, 2021

ALTCOINS TO BUY: Crypto experts share the best investing opportunities they"re seeing outside of bitcoin

Insider has talked to several experts about which altcoins they like most, why they're bullish, and what they recommend others should be buying now. In this photo illustration of the litecoin, ripple and ethereum cryptocurrency 'altcoins' sit arranged for a photograph Jack Taylor/Getty Image Thousands of cryptocurrencies now exist. It can be difficult to pick winners in such a saturated space. Insider has asked several experts about where they see the biggest opportunities in altcoins. See more stories on Insider's business page. Cryptocurrencies have exploded in popularity over the last several months. Of course, the most popular remains bitcoin.But some other smaller cryptos are gaining serious steam as well, as the concept of digital currencies continues to seep into the public consciousness.However, it can be difficult to know which cryptocurrencies to invest in, or whether you should in the first place. There are currently thousands of different types of coins on the market. And some - like dogecoin, which was founded as a joke - don't appear to be serious. Others, like some built on the Ethereum blockchain, appear to have better use cases. And overall, there are legitimate concerns over whether the altcoin boom is unsustainable and will soon come crashing down.Crypto is an esoteric domain - its intricacies can be difficult to understand, especially for those new to the space.To help cut through the noise, Insider has talked to several experts about which altcoins - cryptocurrencies other than bitcoin - they believe have the best upside. These experts also described the fundamentals and technicals that make these altcoins attractive. Their views are shared in the articles below.imghed with link and appendage blurb Coach JV, crypto investor and founder of 3T Warrior Academy. Coach JV 4 altcoins to buy: A 12-year banking veteran says the biggest generational wealth transfer that's about to take place will trigger a 'parabolic' bull run in crypto. He explains how he's maximizing gains on the cryptos he's holding.John Vasquez quit a 12-year banking career to dive into crypto full-time.He's betting that the massive wealth transfer from baby boomers to their younger heirs will lead to a crypto boom.Vasquez, known as Coach JV on social media, explained what people should know about crypto before investing and the altcoins he's buying. Adrian Zduńczyk. Adrian Zduńczyk 5 altcoins that could surge 10-100x in the coming 'legendary' altcoin season that outshines bitcoin, according to a crypto technical analyst who's holding themCrypto technical analyst Adrian Zduńczyk says some altcoins due to outperform bitcoin in a "legendary" way. Zduńczyk is the founder and CEO of the Birb Nest, a trading platform. He shared five altcoins with us that he thinks could surge 10-100 times. Matthew Sigel is the head of digital assets research at VanEck. VanEck The head of digital assets research at an $81 billion money manager breaks down 3 drivers fueling the $2 trillion crypto market's latest bull run - and shares 3 competing altcoins to ethereum, including one that could nearly double in the next yearEthereum is the second-biggest cryptocurrency at the moment, sitting behind bitcoin. But it has problems like expensive transaction fees. Matthew Sigel, head of digital asset research at VanEck, shares three altcoins to rival ether. Evergrande is China's second-biggest property developer. Noel Celis/Getty Images A trader who warned of the 2017 and 2021 bitcoin bull market tops shares 4 altcoins he's bullish on for the long-term - but breaks down why Evergrande's crisis is keeping him away from crypto at the momentThe looming debt crisis of Chinese real estate developer Evergrande sent shockwaves through global equity markets in September - and crypto was not spared.Given the recent sell-offs, Goodman said he was keeping his money on the sidelines in the crypto space until prices appear to be in an uptrend again. He shared four projects he thinks can do well in the longer-term. STR/NurPhoto via Getty Images Bitcoin is ready for a 'monster run' up to $85,000 if it clears a key resistance level, a crypto evangelist predicts - and shares 7 altcoins he's bullish on nowEthereum's major upgrade in early August led to a 9.6% intraday price spike, and investors haven't yet sold the positive news. That's one reason why David Gokhshtein is bullish. He also told us his theses for six smaller altcoins he owns. A local business in El Salvador that accepts bitcoin payments. Alex Pena/Anadolu Agency via Getty Images Why crypto crashed: 4 experts break down what Tuesday's sudden drop might mean for the altcoin season and NFT frenzy - and share 12 high-quality tokens that are likely to continue rallying toward the year's endVarious cryptos tumbled on Tuesday September 7 as El Salvador officially adopted bitcoin as legal tender. By the following morning, more than $3.25 billion in crypto positions had been liquidated over 24 hours, affecting more than 300,000 traders, according to Bybit. We asked experts what was driving the sell-off, and where they recommended buying dips. Dogecoin is a 'meme' cryptocurrency, seemingly created as a joke Yuriko Nakao/Getty The chief economist of a blockchain data firm breaks down why the current dogecoin rally has more legs to run - and lays out why 'anything is possible' for the altcoin, including reaching $1When dogecoin rose over 12,000% to $0.68 earlier this year, it shocked the investing community. It has since cooled off, though its price has picked up in recent weeks. It now sits around $.027. What will it do next? Chainalysis chief economist Philip Gradwell broke down why he think it will go to $1. crypto coins circle Nurphoto WATCH: Crypto analyst David Grider and venture capital investor Ria Bhutoria discuss state of the market, under-the-radar altcoins, and outlook on regulationInsider recently hosted a live webcast featuring two crypto experts. They broke down their views on everything from the recent slump to the possibility of regulation. Lyn Alden is the founder of Lyn Alden Investment Strategy Lyn Alden Investment Strategy Bitcoin to $100,000 and ether to $5,000: Famed investment strategist Lyn Alden explains her bullish predictions for the largest cryptos in 2022, and why there are only 2 altcoins worth watchingLyn Alden says most altcoins are "smoke and mirrors." But there are at least two with interesting technologies that are worth watching. Marnie Griffiths/Getty A crypto evangelist explains why he's going 'all in on altcoins' - and shares why he's worried about bitcoin whales taking over that marketAs some altcoins have shown, there is potential for huge appreciation in crypto outside of bitcoin. David Gokhshtein is one investor that's looking to take advantage of these opportunities. He shared two altcoins he's bullish on. Mack Lorden, left, and Lucas Dimos are TikTok crypto influencers. Mack Lorden and Lucas Dimos 2 crypto traders and TikTok influencers share their 6 go-to altcoins for riding out crypto bear markets - including one that's up more than 11,000% since its launch in 2017The broader crypto space just went through a rough patch after huge gains earlier this year. Like any asset class, it has its bull and bear markets. When crypto bear markets do come, crypto influencers Mack Lorden and Lucas Dimos told us that six altcoins in particular help them hedge losses. Many investors are excited about the Ethereum network's uses. SOPA Images/Getty Images The head of institutional coverage at crypto trading platform FalconX shares 9 Ethereum-tied digital tokens to take advantage of the DeFi revolution - and breaks down why Ethereum still has 'significant' upsideMany altcoins are built on top of the Ethereum blockchain. Aya Kantorovich, the head of institutional coverage at crypto exchange FalconX, shared nine coins built on top of the ethereum blockchain that she thinks have solid use cases."I personally always like coins with application," Kantorovich said.Read the original article on Business Insider.....»»

Category: worldSource: nytSep 22nd, 2021

Are You a Momentum Investor? This 1 Stock Could Be the Perfect Pick

Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service. Taking full advantage of the stock market and investing with confidence are common goals for new and old investors, and Zacks Premium offers many different ways to do both.The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.It also includes access to the Zacks Style Scores.What are the Zacks Style Scores?Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.The Style Scores are broken down into four categories:Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.How Style Scores Work with the Zacks RankThe Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +25.41% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.That's where the Style Scores come in.To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.Stock to Watch: Scientific Games (SGMS)Scientific Games Corporation is a leading developer of technology-based products and services and associated content for the gaming, lottery, social and digital gaming industries globally.SGMS is a #3 (Hold) on the Zacks Rank, with a VGM Score of A.Momentum investors should take note of this Computer and Technology stock. SGMS has a Momentum Style Score of A, and shares are up 3.2% over the past four weeks.For fiscal 2021, three analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.80 to $1.20 per share. SGMS boasts an average earnings surprise of 276.6%.With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, SGMS should be on investors' short list. Infrastructure Stock Boom to Sweep America A massive push to rebuild the crumbling U.S. infrastructure will soon be underway. It’s bipartisan, urgent, and inevitable. Trillions will be spent. Fortunes will be made. The only question is “Will you get into the right stocks early when their growth potential is greatest?” Zacks has released a Special Report to help you do just that, and today it’s free. Discover 7 special companies that look to gain the most from construction and repair to roads, bridges, and buildings, plus cargo hauling and energy transformation on an almost unimaginable scale.Download FREE: How to Profit from Trillions on Spending for Infrastructure >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Scientific Games Corp (SGMS): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksSep 22nd, 2021

Paypal (PYPL) Dips More Than Broader Markets: What You Should Know

Paypal (PYPL) closed the most recent trading day at $269.49, moving -0.16% from the previous trading session. In the latest trading session, Paypal (PYPL) closed at $269.49, marking a -0.16% move from the previous day. This move lagged the S&P 500's daily loss of 0.08%.Heading into today, shares of the technology platform and digital payments company had lost 2.55% over the past month, lagging the Computer and Technology sector's loss of 0.11% and the S&P 500's loss of 1.81% in that time.Investors will be hoping for strength from PYPL as it approaches its next earnings release. In that report, analysts expect PYPL to post earnings of $1.07 per share. This would mark no growth from the year-ago period. Our most recent consensus estimate is calling for quarterly revenue of $6.22 billion, up 13.96% from the year-ago period.PYPL's full-year Zacks Consensus Estimates are calling for earnings of $4.73 per share and revenue of $25.77 billion. These results would represent year-over-year changes of +21.91% and +20.1%, respectively.It is also important to note the recent changes to analyst estimates for PYPL. These revisions typically reflect the latest short-term business trends, which can change frequently. With this in mind, we can consider positive estimate revisions a sign of optimism about the company's business outlook.Research indicates that these estimate revisions are directly correlated with near-term share price momentum. Investors can capitalize on this by using the Zacks Rank. This model considers these estimate changes and provides a simple, actionable rating system.The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. Over the past month, the Zacks Consensus EPS estimate remained stagnant. PYPL is holding a Zacks Rank of #3 (Hold) right now.Investors should also note PYPL's current valuation metrics, including its Forward P/E ratio of 57.11. This represents a no noticeable deviation compared to its industry's average Forward P/E of 57.11.We can also see that PYPL currently has a PEG ratio of 2.63. This popular metric is similar to the widely-known P/E ratio, with the difference being that the PEG ratio also takes into account the company's expected earnings growth rate. The Internet - Software industry currently had an average PEG ratio of 3.98 as of yesterday's close.The Internet - Software industry is part of the Computer and Technology sector. This group has a Zacks Industry Rank of 208, putting it in the bottom 19% of all 250+ industries.The Zacks Industry Rank gauges the strength of our industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.Be sure to follow all of these stock-moving metrics, and many more, on Zacks.com. 5 Stocks Set to Double Each was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2021. Previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%. Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report PayPal Holdings, Inc. (PYPL): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksSep 21st, 2021

4 Dirt Cheap Stocks to Bet on Amid September Market Meltdown

Amid the decline of the benchmarks, investors should bet on discounted stocks like SNDR, NOG, GIII, and ANF for future growth. The number of new COVID-19 cases and the market both displayed a rising trend in the last three months. The job market gained consistently in this period, reflecting a stable economy. In August, particularly, unemployment rates were lower in 15 states and the District of Columbia and stable in 35 states. Nonfarm payroll employment increased in 11 states, decreased in three states, and was unchanged in 36 states and the District — per the data by the U.S. Bureau of Labour Statistics.While many of the market watchers assured us about this sustained bull run despite a massive spread of the more lethal Delta strain, others apprehended a bloodbath round the corner. Eventually, over the past two trading days, the market is deep into the bear territory, displaying the worst run since May.Yesterday, the stock market crashed with benchmarks like the S&P 500 and Dow Jones both down nearly 2%. NASDAQ Composite Index, which gained support last week from the technology bigwigs, declined 2.2% yesterday, shedding more than 300 points.Two Primary Pull-Down FactorsThe intensifying China property market crisis is expected to have played a major role behind the dragging down of the benchmarks. Alliance Bernstein’s Co-Head of Asia Pacific Fixed Income Jenny Zeng recently warned that the highly distressed real estate developer of China, Evergrande (tagged as the world’s most indebted developer with $300 billion of debt at present) is on the edge of default. As quoted by CNBC, she also stated that this collapse will have a ‘domino effect’ on China’s property sector. In the overseas dollar market, these distressed developers combinedly hold a meaningful portion. Consequently, market watchers are worried that the collapse, if it occurs, will have a spillover effect worldwide.Another point that is troubling the investors is the apprehension that amid the job market growth, the COVID-19 induced monetary stimulus might get significantly tapered. During the economic crisis, several stimulus measures were launched mainly in the form of rate cuts and bond purchases.  There are concerns that the Fed and other central banks, which are going to have a two-day meeting starting today, might start winding down stimulus.Market to Revive with OSHA RuleThanks to the ongoing market selloffs, a number of growth stocks have once again moved into the undervalued territory. However, the ongoing extensive rollout of vaccines across the nation, particularly, the latest launch of President Biden’s COVID-19 action plan called “Path Out of the Pandemic” is claimed to boost the financial market rebound.As per the six-pronged, comprehensive national strategy, the Department of Labor’s Occupational Safety and Health Administration (OSHA) will develop a rule that will require all employers with 100 or more employees to ensure that their workforce is fully vaccinated. Any worker who remains unvaccinated will be required to produce a negative test result on at least a weekly basis before coming to work. The OSHA will issue an Emergency Temporary Standard (ETS) to implement this requirement.Once the OSHA rule is implemented, the COVID-19 fear factor is likely to ease further. Market watchers believe that steep rebounds are once again in the cards for the currently beaten-down stocks.Value Investing: The Ideal Strategy NowGiven the grim U.S. stock market scenario, investors may choose some fundamentally strong stocks,which have been currently pushed into the value territory because of the September market meltdown. These beaten-down stocks are currently available at dirt-cheap prices.It has been observed that growth stocks outshine value stocks during economic downturns. However, when the economy picks up pace, post the pandemic-led economic mayhem, value stocks are expected to outperform the market.To narrow down the list, we have selected stocks with a Value Style Score of A or B. Our research shows that stocks with a Value Score of A or B, when combined with a Zacks Rank #1 (Strong Buy) or 2 (Buy), offer the best upside potential. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.Listed below are four companies that investors can consider during these trying times.Schneider National SNDR: This Zacks Rank #1 stock with a Value Score of A is a leading transportation and logistics services company. The company is currently being aided by strong performances of the Intermodal and Logistics units. The Intermodal segment is benefiting from yield management and increased volumes, while the Logistics unit is thriving on the back of favorable constructive market conditions and other factors. The stock is currently priced at $22.30. In 2021, the company’s earnings and sales are expected to grow 56.8% and 8.5% respectively.Schneider National, Inc. Price Schneider National, Inc. price | Schneider National, Inc. QuoteNorthern Oil and Gas NOG: The company’s core operations are focused on three leading basins of the United States — the Williston, Permian,and the Appalachian. The company employs a unique non-operating business model, which helps it to keep costs down and increase free cash flow. Prioritizing returns to investors, Northern Oil and Gas recently initiated a 3 cents per share quarterly base dividend, with the first payment to be made in the third quarter.This Zacks Rank #1 stock with a Value Score of A is currently priced at $19 a share. In 2021, the company’s earnings and sales are expected to grow 70.9% and 209.7% respectively.Northern Oil and Gas, Inc. Price Northern Oil and Gas, Inc. price | Northern Oil and Gas, Inc. QuoteG-III Apparel, Ltd. GIII: Solid gains from the company’s assortments and digital business are currently driving results. Although the retail business has been sluggish, management has completed the division’s restructuring and the new model is poised to attain profitability. G-III Apparel’s digital business also continues to exhibit strength.This stock too sports a Zacks Rank #1 and has a Value Score of A. It is currently priced at $28.45 a share. In 2021, the company’s earnings and sales are expected to grow 341.6% and 30.2%, respectively.GIII Apparel Group, LTD. Price GIII Apparel Group, LTD. price | GIII Apparel Group, LTD. QuoteAbercrombie & Fitch Company ANF: The company operates as a specialty retailer of premium, high-quality casual apparel for men, women, and kids through a network of approximately 850 stores across North America, Europe, Asia, and the Middle East. Abercrombie is making significant progress in expanding digital and omni-channel capabilities to better engage with consumers. Despite the reopening of stores, the company’s strong digital momentum continued in the last-reported second-quarter 2021.This stock too sports a Zacks Rank #1 and has a Value Score A. It is currently priced at $28.45 a share.In 2021, the company’s earnings and sales are expected to grow 341.6% and 30.2%, respectively.Abercrombie & Fitch Company Price Abercrombie & Fitch Company price | Abercrombie & Fitch Company Quote 5 Stocks Set to Double Each was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2021. Previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%. Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Abercrombie & Fitch Company (ANF): Free Stock Analysis Report GIII Apparel Group, LTD. (GIII): Free Stock Analysis Report Northern Oil and Gas, Inc. (NOG): Free Stock Analysis Report Schneider National, Inc. (SNDR): Free Stock Analysis Report To read this article on Zacks.com click here......»»

Category: topSource: zacksSep 21st, 2021

The Trade Desk (TTD) Stock Moves -0.85%: What You Should Know

The Trade Desk (TTD) closed the most recent trading day at $72.58, moving -0.85% from the previous trading session. In the latest trading session, The Trade Desk (TTD) closed at $72.58, marking a -0.85% move from the previous day. This change was narrower than the S&P 500's daily loss of 0.91%.Heading into today, shares of the digital-advertising platform operator had lost 3.42% over the past month, lagging the Computer and Technology sector's gain of 2.86% and the S&P 500's gain of 0.01% in that time.Wall Street will be looking for positivity from TTD as it approaches its next earnings report date. In that report, analysts expect TTD to post earnings of $0.16 per share. This would mark year-over-year growth of 23.08%. Our most recent consensus estimate is calling for quarterly revenue of $283.6 million, up 31.23% from the year-ago period.TTD's full-year Zacks Consensus Estimates are calling for earnings of $0.78 per share and revenue of $1.17 billion. These results would represent year-over-year changes of +13.04% and +40.36%, respectively.Any recent changes to analyst estimates for TTD should also be noted by investors. These recent revisions tend to reflect the evolving nature of short-term business trends. With this in mind, we can consider positive estimate revisions a sign of optimism about the company's business outlook.Our research shows that these estimate changes are directly correlated with near-term stock prices. To benefit from this, we have developed the Zacks Rank, a proprietary model which takes these estimate changes into account and provides an actionable rating system.The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. Within the past 30 days, our consensus EPS projection remained stagnant. TTD currently has a Zacks Rank of #2 (Buy).Looking at its valuation, TTD is holding a Forward P/E ratio of 94.45. For comparison, its industry has an average Forward P/E of 28.35, which means TTD is trading at a premium to the group.Meanwhile, TTD's PEG ratio is currently 4.11. The PEG ratio is similar to the widely-used P/E ratio, but this metric also takes the company's expected earnings growth rate into account. Internet - Services stocks are, on average, holding a PEG ratio of 3.87 based on yesterday's closing prices.The Internet - Services industry is part of the Computer and Technology sector. This group has a Zacks Industry Rank of 156, putting it in the bottom 39% of all 250+ industries.The Zacks Industry Rank gauges the strength of our industry groups by measuring the average Zacks Rank of the individual stocks within the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.Be sure to follow all of these stock-moving metrics, and many more, on Zacks.com. Infrastructure Stock Boom to Sweep America A massive push to rebuild the crumbling U.S. infrastructure will soon be underway. It’s bipartisan, urgent, and inevitable. Trillions will be spent. Fortunes will be made. The only question is “Will you get into the right stocks early when their growth potential is greatest?” Zacks has released a Special Report to help you do just that, and today it’s free. Discover 7 special companies that look to gain the most from construction and repair to roads, bridges, and buildings, plus cargo hauling and energy transformation on an almost unimaginable scale.Download FREE: How to Profit from Trillions on Spending for Infrastructure >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report The Trade Desk Inc. (TTD): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksSep 21st, 2021

Magnite (MGNI) Dips More Than Broader Markets: What You Should Know

Magnite (MGNI) closed at $29.18 in the latest trading session, marking a -0.98% move from the prior day. In the latest trading session, Magnite (MGNI) closed at $29.18, marking a -0.98% move from the previous day. This change lagged the S&P 500's 0.91% loss on the day.Prior to today's trading, shares of the digital ad exchange operator had gained 21.28% over the past month. This has outpaced the Computer and Technology sector's gain of 2.86% and the S&P 500's gain of 0.01% in that time.MGNI will be looking to display strength as it nears its next earnings release. On that day, MGNI is projected to report earnings of $0.15 per share, which would represent year-over-year growth of 150%. Meanwhile, the Zacks Consensus Estimate for revenue is projecting net sales of $114 million, up 86.95% from the year-ago period.For the full year, our Zacks Consensus Estimates are projecting earnings of $0.55 per share and revenue of $417.5 million, which would represent changes of +223.53% and +88.38%, respectively, from the prior year.Investors might also notice recent changes to analyst estimates for MGNI. These recent revisions tend to reflect the evolving nature of short-term business trends. As such, positive estimate revisions reflect analyst optimism about the company's business and profitability.Our research shows that these estimate changes are directly correlated with near-term stock prices. Investors can capitalize on this by using the Zacks Rank. This model considers these estimate changes and provides a simple, actionable rating system.Ranging from #1 (Strong Buy) to #5 (Strong Sell), the Zacks Rank system has a proven, outside-audited track record of outperformance, with #1 stocks returning an average of +25% annually since 1988. Within the past 30 days, our consensus EPS projection has moved 6.06% lower. MGNI is currently sporting a Zacks Rank of #4 (Sell).Digging into valuation, MGNI currently has a Forward P/E ratio of 53.58. This represents a discount compared to its industry's average Forward P/E of 59.87.The Internet - Software industry is part of the Computer and Technology sector. This group has a Zacks Industry Rank of 205, putting it in the bottom 20% of all 250+ industries.The Zacks Industry Rank includes is listed in order from best to worst in terms of the average Zacks Rank of the individual companies within each of these sectors. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1.Be sure to follow all of these stock-moving metrics, and many more, on Zacks.com. Infrastructure Stock Boom to Sweep America A massive push to rebuild the crumbling U.S. infrastructure will soon be underway. It’s bipartisan, urgent, and inevitable. Trillions will be spent. Fortunes will be made. The only question is “Will you get into the right stocks early when their growth potential is greatest?” Zacks has released a Special Report to help you do just that, and today it’s free. Discover 7 special companies that look to gain the most from construction and repair to roads, bridges, and buildings, plus cargo hauling and energy transformation on an almost unimaginable scale.Download FREE: How to Profit from Trillions on Spending for Infrastructure >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Magnite, Inc. (MGNI): Free Stock Analysis Report To read this article on Zacks.com click here......»»

Category: topSource: zacksSep 21st, 2021

Cryptos: Don’t look now—much-maligned bitcoin is outperforming gold and bullish investors are eyeing $10,000 and beyond

Bitcoin is on the rise lately. The world’s most prominent digital currency has been rallying, managing to outperform gold prices in the last 12 months amid the coronavirus pandemic that has rocked global economies......»»

Category: topSource: marketwatchMay 1st, 2020

Kohl"s downgraded as discounts and weakness in women"s clothing put margins at risk

Kohl's Corp. was downgraded to market perform from outperform at Cowen as weakness in women's clothing, a key category, higher promotions and digital fulfillment costs put the retailer's compar.....»»

Category: topSource: marketwatchJan 8th, 2020

Children"s Place downgraded as e-commerce puts margins at risk

Children's Place Inc. was downgraded to neutral from outperform at Wedbush, with analysts saying the retailer's growing e-commerce business puts margins at risk. "We do not see the structural shift to digital slowin.....»»

Category: topSource: marketwatchDec 12th, 2019

Chipotle upgraded on earnings upside from digital sales

Chipotle Mexican Grill Inc. was upgraded to outperform from market perform at Cowen based on earnings and same.....»»

Category: topSource: marketwatchNov 26th, 2019

Target upgraded as price, digital, private labels expected to drive up shares

Target Corp. was upgraded to outperform fr.....»»

Category: topSource: marketwatchNov 7th, 2018

The US government requests - and is granted - the most user data from tech companies compared to countries like the UK, France, and Japan: report

The US, Germany, France, the UK, and Japan lead in the number of data requests it sends to tech companies like Facebook and Twitter. Thomas Trutschel/Photothek via Getty Images Apple, Facebook, and Twitter saw an overall increase in the number of user data requests they got from world governments. Governments are typically granted data requests for "law enforcement" purposes, such as investigating international theft, fraud, or trafficking. Major tech companies have all released some form of a transparency report after criticism from digital rights advocates and politicians. See more stories on Insider's business page. Though data privacy is becoming increasingly sought after in the digital era, data show it still isn't fully guaranteed in many countries.The US government asked for and received more user data from tech companies than any other country in 2020, according to a new report from internet security and technology firm Techrobot.The study, which analyzes transparency reports from Apple, Facebook, and Twitter between 2019 and 2020, found growth in the number of requests for user data in 15 countries. The US made 66,598 requests for data in the first quarter of 2020, up 21% in the same period from the previous year. Of those requests, 76% of them - roughly 50,000 pieces of information - were subsequently shared by the tech companies. Many Americans remain skeptical and fearful that social media companies can give their data to a third party, including the US government. The US topped the most requests for Facebook and Twitter information, with 61,528 and 3,429 requests respectively. Facebook also saw six times the amount of data requests from the US than the second-highest country, Germany.Overall, several countries saw significant data request numbers, like Denmark and South Korea, which both saw 400% increases in requests from 2019 to 2020, and Germany, which requested the most information from Apple.However, governments are privy to user data in emergencies within the purview of the tech companies' terms of service - typically under a warrant in emergent situations or criminal investigations across international borders."Government request circumstances can vary from instances where law enforcement agencies are working on behalf of customers who have requested assistance," according to Apple, including in cases involving stolen or missing devices and credit card fraud. "Additionally, requests can relate to emergency situations where there is imminent harm to the safety of any person.""We comply with government requests for user information only where we have a good-faith belief that the law requires us to do so," Facebook says about its transparency guidelines. "When we do comply, we only produce information that is narrowly tailored to that request."In situations where it approves a government request, Facebook can produce basic subscriber metadata, like a user's name, payment information, email, and IP addresses, as well as stored content like photos, videos, and messages.Twitter retains the right to disclose user information for both emergencies and routine legal demands issued by law enforcement, according to Twitter's guidelines on information requests."Where appropriate, Twitter will push back on requests for account information which are incomplete or improper, such as requests that are facially invalid or overbroad in scope," Twitter continued.Over the past few years, tech companies have engaged in battles between each other and the US federal government over the confidentiality of user data. Earlier this month, the National Conference of State Legislatures outlined a comprehensive approach to privacy regulation, covering how data is collected, stored, disclosed, and deleted.Read the original article on Business Insider.....»»

Category: topSource: businessinsider7 hr. 54 min. ago

Chairman disbands panel investigating COVID-19"s origins, saying its links to a nonprofit that worked with a Chinese lab raises bias concerns

Jeffrey Sachs, the chairman of a task force probing COVID-19's origins, told WSJ he was concerned about the panel's links to EcoHealth Alliance. There is still no conclusive evidence that coronavirus originated from a lab. Lauren DeCicca/Getty Images A Lancet-affiliated scientist panel studying the origins of COVID-19 has been disbanded. The chairman of the panel told WSJ he was concerned about its links to EcoHealth Alliance. EcoHealth Alliance has been facing scrutiny over its connection to an institute in Wuhan. See more stories on Insider's business page. A task force of scientists investigating the origins of COVID-19 has been disbanded by Columbia University professor Jeffrey Sachs.The Wall Street Journal reported that it was due to the task force's links with US nonprofit EcoHealth Alliance, which worked with the Wuhan Institute of Virology. Sachs said this risked the perception of bias, according to the outlet.New York-based EcoHealth Alliance focuses on research and has been subjected to intense scrutiny since the onset of the pandemic.Sachs told the Wall Street Journal of his motivation behind dissolving the task force."I just didn't want a task force that was so clearly involved with one of the main issues of this whole search for the origins, which was EcoHealth Alliance," he said.There is still no conclusive evidence that coronavirus may have originated from a lab, or that it transferred to humans from a wild animal, or another scientific research experiment.EcoHealth Alliance has channeled some of its funding towards the institute, which involved collecting samples from bats and people at risk of infection from bat viruses, The Telegraph previously reported. That grant was stopped in April 2020 on the orders of then president Trump but was reinstated later in the year, the outlet said.Daszak led the task force, affiliated with the Lancet scientific journal, until he voluntarily withdrew from the role in June. He has insisted there is no evidence to support the lab-leak theory.Some other members of the task force have worked with Daszak or EcoHealth alliance on projects, the WSJ reported. One member said the disbanded group does not have conflicts of interest that stand in the way of its means to assess data on how the virus jumped to humans.Sachs told the WSJ that the Lancet COVID-19 Commission would continue to study the origins in a report due to be published in mid-2022. But the commission would widen its scope to include input on biosafety concerns from external experts, including government oversight and transparency on lab research.He said more labs have the technology to recreate or construct new viruses, but guidance and regulation on safe experimentation aren't keeping pace. "A lot is going on around the world that is not properly scrutinized or explained to the public," Sachs said. The professor isn't supporting any one theory over another about the origins of COVID-19, he added.The Lancet task force had been chasing leads on both the natural spillover from an animal and lab-leak hypotheses, WSJ said. Read the original article on Business Insider.....»»

Category: topSource: businessinsider11 hr. 38 min. ago

Elon Musk says Tesla is glad to see new data-security laws after several Beijing-led regulatory crackdowns on Big Tech

Elon Musk's collaborative tone about data security came despite China's richest tech titans being hurt by Beijing's regulatory crackdown. China is one of the most lucrative markets for Tesla. Luo Yunfei/China News Service via Getty Images Tesla is glad to see new data-security laws, Elon Musk said at China's World Internet Conference. "Data security is key to the success of intelligent and connected vehicles," he said on Sunday. Musk's collaborative tone came despite China's richest tech titans dealing with huge losses. See more stories on Insider's business page. Tesla is glad to see new laws relating to strengthening of data management, Elon Musk said at China's World Internet Conference on Sunday.Musk didn't specify that his remarks related to China's strict data protection law, but said Tesla's data centre in the country localizes all data generated for business there.Beijing has been moving to tighten regulation for several months to rein in the power of Big Tech.The nation's Personal Information Protection Law, set to be implemented on November 1, lays out rules around better user data storage and conditions under which companies can gather data, including obtaining prior consent."Data security is key to the success of intelligent and connected vehicles," Musk said in prepared remarks to the summit. "And it's not only closely linked to an individual's interests, but also matters to the whole society.""At Tesla, we are glad to see a number of laws and regulations that have been released to strengthen data management," he said."All personally identifiable information is securely stored in China without being transferred overseas," he said, referring to the company's handling of data. "Only in very rare cases, for example, spare parts, order for overseas is data approved for transfer internationally."He added that he believed data protection was not only an issue of one single company and should be a mutual effort for all industry players. "We're working with regulators on finding the best solution for data security," he said.China is one of the most lucrative markets for Tesla, contributing 30% of total sales for the EV maker in the second quarter this year. At Sunday's summit, China's Vice-Premier Liu said President Xi Jinping has promised to work with countries around the world to shape a vibrant digital economy and build on effective supervision.Other US business leaders that participated via video in the event were the recently appointed CEOs of Intel and Qualcomm, Pat Gelsinger and Cristiano Amon.Musk's collaborative tone came despite the rough patch that the tech sector in China is enduring. The country's richest tech titans, including Jack Ma and Pinduoduo's Colin Huang, have had billions wiped off their personal wealth as a result of investors reacting to Beijing's strict new rules.Read the original article on Business Insider.....»»

Category: topSource: businessinsider11 hr. 38 min. ago

Central Bank Digital Currencies: A Future of Surveillance And Control

Central Bank Digital Currencies: A Future of Surveillance And Control Submitted by Ronan Manly, BullionStar.com One of the most potentially far-reaching trends in the financial landscape right now is the imminent roll-out of Central Bank Digital Currencies (CBDCs), and the parallel attacks which central bankers are waging on private digital currencies and tokens as they tee up the launch of their CBDCs. First some clarifications. While the majority of central bank issued currencies (fiat currencies) in existence around the world are already in digital form, a fiat currency held in digital form is not the same as a Central Bank Digital Currency (CBDC). What is a CBDC? A CBDC generally refers to electronic or virtual central bank (fiat) money that is created in the form of digital tokens or account balances which are digital claims on the central bank. CBDCs will be issued by central banks and will be legal tender. Many CBDCs that are being researched and developed employ Distributed Ledger Technology (DLT), with the recording of transactions on a blockchain.  However unlike private cryptocurrencies which use a permissionless and open design, CBDCs that use DLT will use permissioned variants (deciding who has access to the network and who can view and update records in the ledger). See here for a discussion of permissionless vs permissioned blockchains. CBDCs - The antithesis to decentralized private cryptocurrencies and tokens Critically, as the name suggests, CBDCs will be centralized and governed by the issuing authority (i.e. a central bank). So, in their design and structure, CBDCs can be viewed as the very antithesis to decentralized private cryptocurrencies and tokens. Central banks have already working on two types of CBDCs, ‘wholesale’ digital tokens that would have access restricted to banks and financial entities to be used for activities like interbank payments and wholesale market transactions, and ‘general purpose’ (retail) CBDC for the general public to be used in retail transactions. It is this ‘general purpose’ CBDC which most people are referring to when they discuss central bank digital currencies, and it is these ‘general purpose’ CBDCs that will be most important to watch when  central banks and governments begin to attempt their roll-outs to distribute CBDCs to billions of people across the world either through account-based CBDCs or ‘digital cash’ tokens. As you can guess, account-based CBDCs will be tied to user identities and Digital IDs, and straight off the bat they allow for total surveillance by the State and torpedo any chance of anonymity. For this reason, they are already a favourite among central banks. Given that CBDCs will be centralized ledgers and can be programmable, the ‘digital cash’ token option is not much better in terms of privacy and freedom. The Bank for International Settlements - The Dark Tower of Basel Many central banks will probably opt for a hybrid model of both account-based and token based digital cash. As an example, Canada, the one time liberal democracy, perhaps illustrates the account-based vs token based choices best, where Canada’s central bank, the Bank of Canada, in it’s design documentation for CBDCs shows that at the end of the day, it's about surveillance and control, saying that: “anonymous token-based options would be allowable for smaller payments, while account-based access would be required for larger purchases.” Central banks are also experimenting with various models for distribution of CBDCs to the masses, including using private commercial banks and payment providers who will intermediate on the central banks’ behalf, and also direct distribution of payments by a central bank to a population. Either way, you can see that CBDCs greatly facilitate the statists to advance their Orwellian plans for Universal Basic Income (UBI) and dependency on the state.    Accelerating rollout CBDCs are not just a buzzword or a hazy innovation that may appear sometime in the distant future. They are actively being developed now, and in widespread fashion. In January 2020, the Bank for International Settlements (BIS) issued the results of a survey on CBDCs that it had conducted in the second half of 2019, and to which 66 central banks had responded. Strikingly, 10% of central bank respondents (which represented a fifth of the world’s population) said that they were likely to issue a ‘general purpose’ CBDC (for the general public) in the near future (within the next 3 years). Another 20% of central bank respondents said they would likely issue a ‘general purpose’ CBDC in the medium term (within 6 years). In August 2020, the BIS published a comprehensive working paper on CBDCs titled “Rise of the central bank digital currencies: drivers, approaches and technologies” one part of which analysed the BIS database of central banker speeches and found that between December 2013 and May 2020, there had been 138 central banker speeches mentioning CBDCs, with a dramatic increase in CBDC related speeches since 2016, a timeframe which coincided with central banks launching research projects on CBDCs. The same BIS report also highlighted that, (totally coincidentally) the Covid-19 'pandemic'  "accelerated work on CBDCs in some jurisdictions."  BIS slide on CBDC global project status - August 2021. Source. Fast forward to right now, and on the website of the globalist Atlantic Council (headquartered in Washington D.C.), there is an interesting Central Bank Digital Currency Tracker which lists all the countries that have either launched or piloted a CBDC or are developing or researching a CBDC. Here we find that 5 central banks have already launched a CBDC, 14 have a CBDC in pilot, 16 have a CBDC in development, and another 32 central banks are at the research stage with their CBDC. That makes 67 central banks (countries in total). While the 5 currency areas that have already launched a CBDC are all islands in the Caribbean, the central banks at the pilot stage include heavy weights such as China, South Korea, Thailand, Saudi Arabia and Sweden.   Those at the development stage include the central banks of Canada, Russia, Brazil, Turkey, France and Nigeria. Those at the research stage include the central banks of the US, UK, Australia, Norway, India, Pakistan and Indonesia. So as you can see, this is not some theoretical issue. Centrally controlled digital currencies are coming down the pipe in a big way, and some will be appearing, if not imminently, then very soon. And given the ease with which governments have imposed lockdowns and restrictions on their compliant populations during 2020 and 2021, it is not hard to envisage that these same pliable masses will be easily influenced to embrace CBDCs as being in their 'best interests'. BIS Switzerland - The Usual Suspect    In fact, one third of the entire BIS annual report 2021 is focused on CBDCs in a section titled “CBDCs: an opportunity for the monetary system”. Here, the BIS predictably trumpets the benefits of introducing central bank issued centralized digital currencies while at the same time attempting to undermine private cryptocurrencies. The BIS wording reveals the fact that central banks are in panic over the competitive threat of private cryptos and have accelerated the development of CBDCs partially due to this fear, with the BIS stating that: “Central bank interest in CBDCs comes at a critical time. Several recent developments have placed a number of potential innovations involving digital currencies high on the agenda. The first of these is the growing attention received by Bitcoin and other cryptocurrencies; the second is the debate on stablecoins; and the third is the entry of large technology firms (big techs) into payment services and financial services more generally.” The BIS then attempts to dismiss each of these 3 threats: Cryptocurrencies, claims the BIS “are speculative assets rather than money, and in many cases are used to facilitate money laundering, ransomware attacks and other financial crimes”. Bitcoin comes in for some special mention with the BIS saying that “Bitcoin in particular has few redeeming public interest attributes when also considering its wasteful energy footprint’. Stablecoins, says the BIS “attempt to import credibility by being backed by real currencies” that are “ultimately only an appendage to the conventional monetary system and not a game changer.” The entry of large tech firms that dominate social networks, search, messaging, and e-commerce into the realm of financial services and payments provision infrastructure seems to especially bother the BIS, and it spins it’s criticism into the argument that although these platforms have large network affects, this creates “further concentration” in the market for payments. The irony is not lost on the fact that it’s the BIS, as the central bank of central banks and one of the most concentrated power centres in the world, that is criticizing others’ “concentration” of power.   Throughout this CBDC pitch, the BIS report refers at numerous points that digital currencies should be “in the public interest”, which really means that digital currencies should be controlled by the BIS and its central bank members, as well as perpetuate their centralized monetary power structure. The BIS even has the gall to claim that CBDCs should respect privacy rights, when in fact the whole architecture, rationale and design of central bank digital currencies will allow central banks and national authorities to invade totally on privacy rights.  But sometimes the BIS let's it's guard down, and reveals it's authoritarian plans for CBDCs. A case in point is a recent interview with Agustín Carstens general manager of the BIS, where he chillingly said:  "We don’t know who’s using a $100 bill today and we don’t know who’s using a 1,000 peso bill today. The key difference with the CBDC is the central bank will have absolute control on the rules and regulations that will determine the use of that expression of central bank liability, and also we will have the technology to enforce that.” See video segment below for Carstens' remarks: Singing from the Same Song Sheet With the BIS is Basel Switzerland as the conductor and orchestrator, it's not surprising that central bank governors and country heads are now singing from the same song sheet, the song being ‘private digital currencies bad, central bank digital currencies good’. Earlier this month (September 2021) at a banking conference in Stockholm, the governor of Sweden’s central bank (Riksbank), Stefan Ingves, commented that ‘private money usually collapses sooner or later’, while conveniently failing to mention the hundreds of government and central bank issued paper currencies that have collapsed throughout history due to overprinting, depreciation and hyperinflation. Nor did Ingves mention Voltaire’s famous quote that “Paper money eventually returns to its intrinsic value - zero”. Ingves, whose country is one of the leaders in promoting a cashless society, also took a derogatory swipe at Bitcoin saying “sure, you can get rich by trading in bitcoin, but it’s comparable to trading in stamps.” All the while the Riksbank is pushing ahead with it’s central bank digital currency, called the e-krona, a CBDC which uses distributed ledger technology, and which the Swedish central bank is currently testing in conjunction with Handelsbanken, one of Sweden’s largest retail banks. In the same week as Ingves’s comments in Sweden, the governor of Mexico’s central bank, Alejandro Diaz de Leon, was also taking a shot at private cryptocurrencies and for good measure he also put the boot into precious metals. Diaz de Leon said that Bitcoin is more like a method of barter than ‘evolved’ fiat money, and continued “in our times, money has evolved to be fiat money issued by central banks. Bitcoin is more like a dimension of precious metals than daily legal tender.” That comment, which attacks two birds with one stone (crypto and precious metals), will definitely please his central bank governor colleagues at thee BIS, and may even earn Diaz de Leon a nomination as the next BIS general manager, to succeed his fellow countryman Agustín Carstens.    Speaking of the BIS, Benoit Coeure, head of the BIS Innovation Hub, also gave a WEF style speech about CBDCs in early September, acknowledging the convenient catalyst of the covid 'pandemic', and the accelerated development of CBDCs by central banks:  "the world is not returning to the old normal. Payments are a case in point. The pandemic has accelerated a longer-running move to digital .... the world's central banks are stepping up efforts to prepare the ground for digital cash – central bank digital currency (CBDC): "A CBDC's goal is ultimately to preserve the best elements of our current systems while still allowing a safe space for tomorrow's innovation. To do so, central banks have to act while the current system is still in place – and to act now." Turkey’s president, Recep Tayyip Erdoğan, also recently joined in the attack on private digital currencies, while simultaneously promoting Turkey’s CBDC. At an event on 18 September, the Turkish president stated that:  “we have absolutely no intention of embracing cryptocurrencies” “on the contrary, we have a separate war, a separate fight against them. We would never lend support to [cryptocurrencies]. Because we will move forward with our own currency that has its own identity.” PBOC SAYS ALL CRYPTO-RELATED TRANSACTIONS ARE ILLEGAL So the digital yuan is a complete disaster eh? — zerohedge (@zerohedge) September 24, 2021 China: Digital Yuan - An Ominous Blueprint  A huge red flag over CBDCs and user privacy is that these central bank digital currencies are programmable, as details on China’s ‘Digital Yuan’ already show. For example, the Digital Yuan can be programmed to be activated on a certain date, programmed to expire on a certain date, programmed to be only valid for certain purchases, and ominously, programmed to be only available to citizens who meet certain pre-conditions. As a potential blueprint for other CBDCs, people across the world need to sit up and take notice, because the issuing authorities of these CBDCs coming down the pipe can therefore decide who gets access to CBDCs, what they can transact using those currencies, and how long the purchasing power remains valid. Central Banks can thus influence and control the behaviour of the recipients of this centralised digital cash,  as well as exclude those who they want to penalize or who don’t comply with the State's rules or parameters. And right on cue as this article was just published, Chinese authorities have now announced (on 24 September)  a total ban on all cryptocurrency transactions. Except of course, it's upcoming authoritarian Digital Yuan.    The future according to WEF's Klaus Schwab and his Elite private banker handlers Conclusion - Slavery or Monetary Freedom Although central banks will claim that they are introducing CBDCs for reasons such as improving payments efficiency, boosting financial inclusion for the unbanked and tackling illicit transactions, their real motivations, as always, are for surveillance and control. Surveillance of a population via complete visibility into financial transaction flow and user identities, and centralized control of the money supply within a cashless financial system. Think China’s social credit system on a global dystopian scale, where vax passes evolve into digital IDs and digital IDs link to CBDC issuance and use. In fact, the entire coercion around implementing vaccine passports and digital IDs looks to be a pre-planned stepping stone for the roll-out of central bank digital currencies and global social credit systems. The timing of the accelerated emergence of CBDCs may partially be an attempt by central banks to outflank the numerous private cryptocurrencies, tokens and decentralized finance ecosystems that have emerged and that are a threat to the power of the centralized banking system at whose apex sits the BIS. But it would be naïve to think that central banks that knew in advance about the initiation of a‘WEF’ global technocratic and corpocratic takeover that would begin in 2020, are not now orchestrating the rollout of CBDCs as part of a long-term global agenda, that agenda being the global socialist Agenda 2030, and a future in which, according to the Davos World Economic Forum (WEF) “You’ll own nothing. And you’ll be happy”. BIS and central bank attacks against private cryptocurrencies are to be expected. After all, the same central banks and the BIS have waged a very long war against physical gold and silver. And precious metals have been money since 4000 B.C.. With the launch of CBDCs by central banks and their elitist private banking controllers, that war looks set to intensify. So, do you want a future of monetary freedom, or a future of perpetual slavery to central banker CBDCs?  If you want monetary freedom, then ownership of physical precious metals and private and anonymous digital currencies are now some of the only ways to counter and protect against the ominous CBDC plans which the BIS and its central bank members are intent with imminently rolling out. *  *  * This article originally appeared on the BullionStar.com website under the same title "Central Bank Digital Currencies – A Future of Surveillance and Control" Tyler Durden Sun, 09/26/2021 - 15:00.....»»

Category: dealsSource: nyt11 hr. 54 min. ago

8 things you should never say in a job interview - and smart phrases to use instead

You have one chance at a first impression, so avoid giving one-word answers or talking badly about previous employers. Job interviews are all about putting your best foot forward, so don't focus on anything negative. Getty Around 55% of Americans will search for a new job this year, according to a Bankrate survey. At a job interview, avoid giving one-word answers and disparaging previous employers. Do your homework on the salary range you should ask for and be ready to ask questions. See more stories on Insider's business page. One pandemic takeaway that we're taking with us for decades to come (i.e. forever) is the "great awakening" many of us have had about what makes us happy and what doesn't. Because nothing tends to put that into perspective quite like stay-at-home orders, tight budgets, and pajamas for days.If lately it's felt like everyone you know is channeling this great awakening into their careers, that's because we are - 55% of us are planning to find a new job this year, according to a recent Bankrate survey. The phenomenon even has a name: The Great Resignation. And it's not likely to wane anytime soon, as more of us seek everything from pay raises and title changes to a hybrid or completely remote work environment.If you're one of the millions looking to make a change, it's time you did a little prep work. Maybe it's been a while since you walked into a job interview, and maybe they seem a little more intimidating than they did a few years ago. (What is it about Zoom introductions that feel so much more tense and awkward than an old-fashioned handshake ever did?)Thankfully, no matter what kind of interview you're prepping for, the old rule of thumb to put your best foot forward hasn't changed, even in this brave new digital world. Here's a look at eight phrases to avoid using during your interview - and what to say instead - so you can sell yourself as the absolute best person for the job, and secure the offer you want. You got this!1. Don't say: 'I don't have experience doing X'Try to avoid answering in the negative, which can sow doubts about your credentials and abilities, says Allison Cheston, career advisor. Instead, you'll want to project an attitude of facility and flexibility.Say this instead: "I've had experience doing Y in my last role, and have taken a class recently in X, so I am confident I can hit the ground running."This is a better way to show you're prepared to take on new challenges, Cheston says. Try to reply in the affirmative to job interview questions, even if you're answering the question in a slightly different way.2. Don't say: 'I'm flexible' when negotiating your salaryIf you say you're flexible, the truth is, you're much more likely to get low-balled, Cheston says. If you're flexible, it implies that you're willing to take whatever figure is offered, and that you have no other prospects. It's time to get paid what you're seeking and what you deserve.Say this instead: "My skills and experience put me on the higher end of the salary range for this position. Let me explain…"Do your homework on the salary range for the role you're applying for at the company prior to your interview. Indicate that you believe you're worth a higher salary, and share details from your background to back it up, she says.3. Don't say: 'I made a terrible mistake'Prospective employers love to ask you behavioral questions in an interview - like, "Tell me about a time when you had a misunderstanding at your workplace," or "Can you give us an example of how you resolved a communication problem with a coworker?" You really want to be prepared for these questions, or your interview could get derailed quickly, Cheston says.Say this instead: "I learned so much from that experience…"Practice a positive narrative of how you learned from conflicts and missteps in a previous role. Remember that employers don't want to hire someone who is flawless and who has never stepped out of line - they want to hire someone who can learn important lessons on the fly, resolve conflicts when they come up, and admit when they are wrong. Present yourself in the best possible light by showing what you learned from the experience and the insight you gained, Cheston says.4. Don't say: 'My weaknesses are actually my strengths'"In nearly every interview, you should plan on being asked about your perceived weaknesses," said Krista Demcher, business strategist and CEO of the ACORN Method. Before you walk into an interview, make sure you're ready for this question with a solid answer. In other words, for the love of god, stop saying that you're a "perfectionist" or that you "work too hard."Those are the classic not-real-at-all, so-fake-you-can-spot-them-a-mile-away kinds of weaknesses that nearly everyone has tried over the years. You've got to give a real answer so your interviewer knows you're capable of an honest self- evaluationSay this instead: "In the past, I have struggled with…"When you're asked about your weaknesses, it's time to paint a picture of who you are. For example, you could say, "I love new challenges and I get completely immersed in the projects I work on. But I'm a big picture person who sometimes struggles with details," or you could say, "Sometimes I get too in my own head, and I forget that other people outside of the marketing department don't speak the same lingo that I do, so I need to slow down."Whatever you say, be honest with your answer, and look to say something that adds depth to your character, while still also portraying positivity. Employers know that a candidate who can verbalize a weakness is someone who is probably also committed to self improvement. Again, they don't want you to be flawless - they want to see that you're willing to improve and learn from your mistakes.5. Don't say: 'My old boss was awful, and that company was the worst place to work'Even if it's true and your boss was an absolute nightmare, it's never appropriate to trash talk your current or former employer. Ever. Even if you're asked a leading question from an interviewer. When you say negative things about a previous employer, it sends an unprofessional message loud and clear: If she's willing to trash talk that company, she will be willing to trash talk us. "Not only can the hiring manager imagine you saying the same things about them in 6-12 months, it also makes you come across as gossipy and difficult to manage," Demcher said.Say this instead: "There are aspects I enjoyed about my former position, but I am looking to make a change."Be honest about what you enjoyed about your former job and experiences. Avoid going into specifics about your dislikes. Think about it this way: when you talk about what you enjoyed about your role, that probably gives you an opportunity to talk about how you excelled. We'd call that a win-win.6. Don't say: 'How do I get promoted?' or 'How often will I be eligible for a raise?'Let's get real here for a second: The hiring manager wants you to succeed in your role - even enjoy your role - but their first priority is how you will benefit the company. In other words, make the interview less about what they can do for you, and more about what you can do for them, Demcher explains.Say this instead: "How can I help the organization achieve objectives?"In your interview, it's your job to take every opportunity to show that you're there to help advance organization. Show them how you can be an asset to the organization.7. Don't say: 'Yes,' 'No,' or any other one-word answersIs there anything that's a worse conversation-killer than a one-word answer? We've all been stuck at a networking event with a dude who did just that, leaving us to desperately scan the room for an escape - don't be that dude. The interview is your chance to sell yourself as the right hire by being your charming and engaging self. Show them that you're interested in the job.Say this instead: Some questions will necessitate a "Yes" or" No," and that's OK. Your job is to then elaborate by answering why.This is a great opportunity to weave a story into your response to the interviewer's question, Demcher says. "Stories are some of the most impactful messages you can send in an interview, and a good story helps you stand out from the crowd." Don't be afraid to show enthusiasm and personality.8. Don't say: 'Nope, I don't have any questions'You should always have several good questions to throw out at the end of an interview. Managers want to hire curious, engaged, and thoughtful people. Those are the kind of people who prepare good questions and aren't afraid to ask them. When a hiring manager has spent their time telling you about the role and the company, the most important thing you can show them is that you've put some real thought into taking the role, Demcher says.Say this instead: "Yes! I have several."Then proceed with your questions, starting with the most important ones first, since time may be running short. It may be that you need to follow up via email with additional questions, but that's OK, too. This gives you a chance to keep the lines of communication open with your prospective boss. You got this!Read the original article on Business Insider.....»»

Category: topSource: businessinsider15 hr. 6 min. ago

The top 9 shows on Netflix this week, from "Sex Education" to "Manifest"

Netflix's "Sex Education" topped its streaming rankings this week, and "Manifest" is still a hit after the streaming giant announced a revival. "Sex Education." Netflix Every week, the streaming search engine Reelgood compiles for Insider a list of the TV shows that have been most prominent on Netflix's daily top-10 lists. Netflix counts a view if an account watches a movie or TV show for at least two minutes. "Sex Education's" third season debuted recently and propelled the series to the top spot this week. See more stories on Insider's business page. 9. "Nailed It!" (Netflix original, 2018-present) Netflix Description: "Home bakers with a terrible track record take a crack at re-creating edible masterpieces for a $10,000 prize. It's part reality contest, part hot mess."Rotten Tomatoes critic score: 98%What critics said: "We're all trying the best we can — and Nailed It! celebrates our gameness to get out of bed every day and keep trying, and maybe laugh along the way, too." — Vox (season four) 8. "Manifest" (NBC and Netflix, 2018-present) NBC Description: "When a plane mysteriously lands years after takeoff, the people onboard return to a world that has moved on without them and face strange, new realities."Rotten Tomatoes critic score: N/AWhat critics said: "Manifest's premiere is confident and declares that it hasn't lost any of its heart or soul, as the Stone family conquers the new threats that face them more together than ever, even if they're hundreds of miles apart." — Tell-Tale TV (season three) 7. "Sharkdog" (Netflix original, 2021-present) Netflix Description: "Half shark, half dog with a big heart and a belly full of fish sticks! Together, Sharkdog and his human pal Max can take on any silly or messy adventure."Rotten Tomatoes critic score: N/AWhat critics said: N/A 6. "The Circle" (Netflix original, 2020-present) Netflix Description: "Status and strategy collide in this social experiment and competition show where online players flirt, befriend and catfish their way toward $100,000."Rotten Tomatoes critic score: N/AWhat critics said: "I'm not even sure the snark of host Michelle Buteau can save season three of The Circle." — The Spool (season three) 5. "Cocomelon" (YouTube, 2019-present) Netflix Description: "Learn letters, numbers, animal sounds and more with J.J. in this musical series that brings fun times with nursery rhymes for the whole family!"Rotten Tomatoes critic score: N/AWhat critics said: N/A 4. "Lucifer" (Netflix original, 2016-2021) "Lucifer" Netflix Description: "Bored with being the Lord of Hell, the devil relocates to Los Angeles, where he opens a nightclub and forms a connection with a homicide detective."Rotten Tomatoes critic score: 88%What critics said: "For five seasons, we watched Lucifer work on himself in therapy. Season 6 finally lets him use everything he's learned to reach his destiny." — Polygon (season six) 3. "Clickbait" (Netflix original, 2021-present) Netflix Description: "When family man Nick Brewer is abducted in a crime with a sinister online twist, those closest to him race to uncover who is behind it and why."Rotten Tomatoes critic score: 55%What critics said: "Clickbait is yet another digital-concerned show/film that gestures at big ideas about the internet — catfishing, cancel culture, surveillance, etc — but fails to capture the contours of life on it." — Guardian (season one) 2. "Squid Game" (Netflix original, 2021-present) Netflix Description: "Hundreds of cash-strapped players accept a strange invitation to compete in children's games. Inside, a tempting prize awaits — with deadly high stakes."Rotten Tomatoes critic score: 100%What critics said: "Squid Game doesn't offer an escape from the horrors of the real world; within its limitations as a fictional drama, it gives us something far rarer: an affirmation that they exist, and that we're not alone in finding them nightmarish." — Den of Geek (season one) 1. "Sex Education" (Netflix original, 2019-present) Netflix Description: "Insecure Otis has all the answers when it comes to sex advice, thanks to his therapist mom. So rebel Maeve proposes a school sex-therapy clinic."Rotten Tomatoes critic score: 96%What critics said: "All the young actors shine, but none of them more than Ncuti Gatwa, who plays Eric with an energy and resilience that is inspiring to watch. This season, Gatwa isn't just a joy; he brings more nuance and authenticity than ever." — Boston Globe (season three) Read the original article on Business Insider.....»»

Category: topSource: businessinsider15 hr. 6 min. ago