Business Portfolio

27/12/2022

Just check out and think why you need a online presence ........

Regardless of the industry, a company's internet presence can significantly affect how successful it is. Some companies today are still unaware that the bulk of their clients will visit their website prior to completing a purchase.

15/11/2022

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13/11/2022

There is a chance to save life..

07/09/2021

Can Google go bankrupt?

For a company to go bankrupt, all 3 of the following need to happen:

1. The company needs to be making a loss. Google’s making around US$20bn p/a of profit.

2. The company doesn’t have enough cash reserves or liquid assets to cover those losses. Google has over US$90bn of cash reserves.

3. The company cannot raise funds either from the debt or equity markets, which will happen, and I am simplifying, when its market cap (i.e. the total value of the company) falls to zero. Google has a market cap of US$650bn.

Anything can happen - some huge fine, some accounting scandal, but there are too many zeros in those figures above to get through before they go bankrupt.

07/09/2021

Here are some useful habits that can help you a lot in daily life:-

1. If you want to be happier ：

▪Talk to a positive person.
▪Express gratitude by writing down some good things that have happened to you every day.
▪Laugh, even if you have to force it. The simple action of laughing releases endorphins.
▪Move your body (walk, exercise) for 20 minutes or more.
▪Invest 30 minutes a day in yourself doing a hobby you enjoy and find relaxing.

2. If you want to manage stress more effectively ：

▪Breathe deeply for at least two minutes every day. Focus on your breathing.
▪Stretch different parts of your body for ten minutes or stretch.
▪Listen to something relaxing and distracting (eg Music) that is unrelated to what is stressing you out.
▪Detach yourself from the source of stress (step away from a meeting, take a break from a project, step away from a discussion) and take a five-minute break if possible.

3. If you want to be more confident ：

▪List three things you really like about yourself. Read these three things aloud. Do it every day.
▪Stand up straight. Let your hands hang naturally at your sides.
▪Outline your thoughts / words ...

4. If you want to have a more spiritual mindset ：

▪Spend 15 minutes a day reading a spiritual text (Bible, spiritual book, spiritual exercise book).
▪Join a group of like-minded people you can learn from and be inspired by.
▪Write about how a person you met one day by chance may have enriched your life journey.
▪Make a thoughtful gesture of kindness for a stranger.

30/08/2021

Page 2 of Google-

Something untouched and deeper than the dark web though, :-) ^,^

Google displays search results that are most relevant to the keywords we enter so we don't have to move to the next page, and even though the search results that are displayed are not what we expect, instead of moving to the next page we usually change the keywords, which is why the meme above appears and maybe the reason why this question appears, so few people pay attention to page 2 of google.

That's why bloggers are vying to bring out what they create on page one of google.

28/08/2021

Social media is the most popular source of investment ideas for young investors, CNBC survey finds

For young investors, social media rules.

In fact, it is the most popular way they are researching investment ideas, according to a new CNBC/Momentive Invest in You survey.

Thirty-five percent of 18-to-34-year-olds said they use social media to look into possible investments, while 25% cited conversations with family and friends, and 24% said financial guidance or investment websites.

Only 7% said they gather research through direct discussions with a broker or financial advisor.

However, financial experts warn that if you are going to get advice from TikTok, Instagram or another platform, do additional homework.

Professionals can be vetted through background checks, but it is harder to discern the motivation of someone making stock recommendations online.

“On social media, everybody can jump in, regardless of who they are, what their background is, what their experiences are,” Winnie Sun, co-founder and managing director of Irvine, California-based Sun Group Wealth Partners.

Here’s how to navigate the slew of recommendations.

Find financial experts
Financial advisors are trained on money matters, and many have a social media presence. According to a 2020 survey by Putnam Investments, 36% of advisor respondents had hosted or participated in a LinkedIn Live session, for instance.

Vet those you follow. Brokers and brokerage firms can be looked up on the Financial Industry Regulatory Authority website and investment advisors can be checked out on the Securities and Exchange Commission site.

To verify a certified financial planner’s background, go to the CFP Board’s website. For other professional designations, go to the FINRA page that lists them, along with links to the designation organizations. That may lead you to a way to check out an individual.

Tread carefully
Sun is one of those who has embraced social media. She does a live stream every day on several platforms, including LinkedIn, Facebook and Twitter.

While she gives out financial advice, Sun doesn’t recommend specific investments. Those should be customized for the individual, she said.

“If you’re gathering your investment advice on social media, there’s a good chance that person isn’t regulated, isn’t licensed,” said Sun, a member of the CNBC Financial Advisor Council. “It could just be someone out there sharing an opinion, but you have to take that with a grain of salt.”

More from Invest in You:
Half of young investors invested stimulus money. Here’s where they put it
New investors are breaking the traditional mold when it comes to investing
1 in 10 people currently invest in cryptocurrencies, many for ease of trading

And just because an influencer has more than 500,000 followers doesn’t mean they have the training or credentials to give financial advice.

“A lot of influencers use their personal experience and stories to base their advice on, but that doesn’t mean their situation is exactly the same as their followers’,” said Caishalynne Echols, a CFP with Austin, Texas-based Gen Y Planning.

“Trained financial professionals have studied the legislation around taxes, retirement planning, etc., and are equipped to guide people in a million different scenarios,” Echols said.

Go a step further
There’s nothing wrong with getting excited about an investment or financial tip you are hearing about on social media. The key is to supplement it with your own research.

“You should consult established, reputable and trusted resources before making any financial decisions,” TIAA Bank chief information officer John Elton said.

It also helps to consult a financial professional about your ideas. If you don’t have one and want a do-it-yourself approach to your investing, it still wouldn’t hurt to have a free consultation with one for a second opinion, Sun added.

Use ‘play’ money
If you decide to start investing on your own after getting social media advice and then researching it, do it with money you are willing to lose, Sun said.

“Separate your serious investing from your play money,” she said. “Your serious money is money that you really want to be there for you for those important goals that you have.”

In the end, it can be a learning experience.

“Doing [it] yourself doesn’t necessarily mean that that’s a negative,” said Sun, who picked and tracked her own mutual funds when she started investing.

“You also learn what you don’t know and what you don’t like, as well as what you really like and what you do know,” she added. “So I think it’s a good thing.”

26/08/2021

Accelerating Fraud Detection With Ethical Use Of Personally Identifiable Information

One of the primary reasons fraud is so prevalent today is because, all too often, it happens faster than merchants or financial institutions can react to stop it. The majority of fraud happens on the same day, but it may take days or weeks to discover, let alone investigate and attempt to recover losses. By then, the fraudster has already moved on to their next victim, and on and on again the cycle repeats itself.

Fraud isn’t unique to a single industry, either, but some industries tend to make for bigger targets. According to a recent report by TransUnion, digital fraud attacks on U.S. companies in the financial services sector increased 109% in the first four months of 2021, compared to the last four months of 2020. Meanwhile, fraud attempts against travel and gaming companies — the next most-targeted industries in the report — increased by 25% and 9%, respectively, during the same period.

Estimates tend to further vary on the total economic impact of fraud each year, based on factors like how fraud is defined, whether compliance costs should be factored in and more. But some analysts peg the true cost of fraud to figure in the trillions of dollars annually. So, there’s a massive incentive to speed up fraud detection, but how?

When companies know more about the users engaging with their systems, through automated processes leveraging personally identifiable information (PII), it becomes possible to identify and prevent many cases of fraud in real time. By building rich individual profiles with information about usage patterns, device usage and other biometric signals, PII provides a benchmark to instantly identify if a fraudster has attempted to use information maliciously and can inform a more comprehensive security strategy for the future.

23/08/2021

A man in a grey suit looks at you with a smile.

“If you make it from this end to that end of the lake in an hour, you will be given enough money to retire.”

You stare at the clunky boat. You can do this. No problem. It isn’t even a huge lake.

The bell rings.

You jump in the canoe. You grip the paddle in both hands. You begin paddling.

The boat lurches forward with each paddle. Wuuush. Wuuush. Wuuush.

Breathing hard, you smile. It isn’t even a big lake. You’ve got this. No more alarm clocks. No more early wakeups. All freetime and fun from here on out.

You are 20% across the Lake. Your heart catches in your throat.

Wuuush. Wuuush. Wuuush.

There is a thin layer of water in your canoe. It’s leaking.

God has a cruel sense of humor. Why…..

You paddle harder. Wuuush. Wuuush. Wuuush.

You keep muscling through it.

You begin kicking out water with one foot as you paddle. It doesn’t help, much.

At 30% across the lake. You’ve slowed down substantially.

35% across the lake. You are so close, even at 35%. It’s a small lake.

But the canoe is completely full of water. It’s designed not to sink. But the top of it is now completely submerged.

You paddle harder and harder. That’s all you have to do.

But it’s useless.

You are moving about an inch with each paddle.

It’s over.

But wait…..

You realize,

He never said I had to use the canoe…..

You jump off. Strip your clothes to reduce drag. You begin swimming the fastest you’ve ever swum.

Water rushes by your ears. Early retirement is in sight. Your lungs burn as you paddle through the cool glass water.

The shore nears.

It gets closer.

Time is tight.

It gets closer.

You see the sand under you as the waters shallow.

You dig your feet into the sand. Begin jump walking over the surf.

You run up the beach. You get there.

The man in the grey suit smiles. “Well done. The canoe was designed to fail. You have succeeded where others haven’t.

Retirement is yours.”

Not every job is as obvious as a sinking canoe.

Sometimes it’s more subtle.

Realize that many companies are content keeping you in the box they’ve kept you. In a mediocre boat that will get “there” when it gets there. No faster than they’ve decided.

If that’s what you want. Great.

But don’t waste your life on a boat that’s going too slow for you. Or in a direction you aren’t going.

Sometimes working smart means you need to find a better boat.

And other times working smart means you need to stop paddling and start swimming.

22/08/2021

River Thames-

The River Thames (/tɛmz/ (About this soundlisten) TEMZ), known alternatively in parts as the River Isis, is a river that flows through southern England including London. At 215 miles (346 km), it is the longest river entirely in England and the second-longest in the United Kingdom, after the River Severn.

It flows through Oxford (where it is commonly called the Isis), Reading, Henley-on-Thames and Windsor. The lower reaches of the river are called the Tideway, derived from its long tidal reach up to Teddington Lock. It rises at Thames Head in Gloucestershire, and flows into the North Sea via the Thames Estuary. The Thames drains the whole of Greater London.

Its tidal section, reaching up to Teddington Lock, includes most of its London stretch and has a rise and fall of 23 feet (7 m). Running through some of the driest parts of mainland Britain and heavily abstracted for drinking water, the Thames' discharge is low considering its length and breadth: the Severn has a discharge almost twice as large on average despite having a smaller drainage basin. In Scotland, the Tay achieves more than double the Thames' average discharge from a drainage basin that is 60% smaller.

Along its course are 45 navigation locks with accompanying weirs. Its catchment area covers a large part of south-eastern and a small part of western England; the river is fed by at least 50 named tributaries. The river contains over 80 islands. With its waters varying from freshwater to almost seawater, the Thames supports a variety of wildlife and has a number of adjoining Sites of Special Scientific Interest, with the largest being in the North Kent Marshes and covering 5,289 hectares (20.4 sq mi).