neerajsinghvns + the   294

Word Information - search results for: candor
http://wordinfo.info/results/candor ;;;
tags: Word Information - search results for : candor wordinfo multiple cartoon cartoons for the same word ;;;
Word  Information  -  search  results  for  :  candor  wordinfo  multiple  cartoon  cartoons  the  same 
3 hours ago by neerajsinghvns
CSS object-fit Property
https://www.w3schools.com/css/css3_object-fit.asp ;;;
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tags: w3schools css html image needsEditing on resize resizing the aspect ratio of photo photograph is preserved and not destroyed ;;;
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In the next example, we use object-fit: cover;, so when we resize the browser window, the aspect ratio of the images is preserved:
w3schools  css  html  image  needsEditing  on  resize  resizing  the  aspect  ratio  of  photo  photograph  is  preserved  and  not  destroyed 
9 days ago by neerajsinghvns
Tryit Editor v3.6
https://www.w3schools.com/css/tryit.asp?filename=trycss_position_sticky
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tags: w3schools css html sticky needsEditing heading stops scroll scrolling when it reaches the top of the screen ;;;
w3schools  css  html  sticky  needsEditing  heading  stops  scroll  scrolling  when  it  reaches  the  top  of  screen 
9 days ago by neerajsinghvns
Tryit Editor v3.6
https://www.w3schools.com/code/tryit.asp?filename=FXS1FJLYSL5R ;20181201-1742
https://www.w3schools.com/code/tryit.asp?filename=FXS1981Y2PY6 ;20181201-1736
https://www.w3schools.com/code/tryit.asp?filename=FXRJJH82S9C5; 20181201;
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tags: box shadow sampleCode w3schools howto change angle or location of light source needsEditing background-color inside the box is orange shadow is black and blurred ;;;
box  shadow  sampleCode  w3schools  howto  change  angle  or  location  of  light  source  needsEditing  background-color  inside  the  is  orange  black  and  blurred 
11 days ago by neerajsinghvns
[no title]
http://www.lehman.edu/academics/arts-humanities/piccirilli/ ;;;
http://www.lehman.edu/academics/arts-humanities/piccirilli/memoir.php ;;;
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The memoir has a sad ending.
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tags: lehman brothers brothers? statue of abraham lincoln in the LincolnMemorial memorial was carved by Piccirilli needsEditing memoir wonderful font in a diary ;;;
lehman  brothers  brothers?  statue  of  abraham  lincoln  in  the  LincolnMemorial  memorial  was  carved  by  Piccirilli  needsEditing  memoir  wonderful  font  a  diary 
16 days ago by neerajsinghvns
Full Screen Landing Page Image with HTML & CSS [How-To] - YouTube
tags: Full Screen Landing Page Image with HTML & CSS [How-To] - YouTube | video website Like Tesla with multiple images on the home page ;;;
Full  Screen  Landing  Page  Image  with  HTML  &  CSS  [How-To]  -  YouTube  |  video  website  Like  Tesla  multiple  images  on  the  home 
17 days ago by neerajsinghvns
Simple usage - JSFiddle
tags: Simple usage - JSFiddle | howto add comment comments from css ( not html ) on to the page display displayed web needsEditing ;;;
Simple  usage  -  JSFiddle  |  howto  add  comments  from  css  (  not  html  )  on  to  the  page  display  displayed  web  needsEditing  comment  code  sampleCode 
26 days ago by neerajsinghvns
Internal Links | page jumps to sections of a page
https://www.yourhtmlsource.com/text/internallinks.html
tags: link links hyperlink hyperlinks internal external how to go goto a certain part of the same or another page ;;;
link  links  hyperlink  hyperlinks  internal  external  how  to  go  goto  a  certain  part  of  the  same  or  another  page 
29 days ago by neerajsinghvns
What's Inside of the White House? - YouTube
https://www.youtube.com/watch?v=BW6hxlThB_o ;;;
tags: What's Inside of the White House? - YouTube | video 3D exploded animation animated view what is ;;;
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https://www.youtube.com/watch?v=PDL0ImZjeQc ;;; empire state bldg.
What's  Inside  of  the  White  House?  -  YouTube  |  whiteHouse  video  3D  exploded  view  what  is  animation  animated 
4 weeks ago by neerajsinghvns
The Quadsaw Square Shaped Holes: Tool That Makes Square-Shaped Holes - YouTube
https://www.youtube.com/watch?v=z7zPIzaWcbo&vl=en-US ;;;
https://www.amazon.com/Qbit-SQ1000-S-Oscillating-Multi-Tool--
Single/dp/B01GKKE2W0/ref=asc_df_B01GKKE2W0/?tag=hyprod-20&linkCode=df0&hvadid=198064502357&hvpos=1o1&hvnetw=g&hvrand=3457559511266634142&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=1015518&hvtargid=pla-348585274213&psc=1 ;;;
$45
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tags: The Quadsaw Square Shaped Holes : Tool That Makes Square-Shaped Holes - YouTube | video rectangle rectangular hole ;;;
The  Quadsaw  Square  Shaped  Holes  :  Tool  That  Makes  Square-Shaped  -  YouTube  |  video  rectangle  rectangular  hole 
4 weeks ago by neerajsinghvns
Homophones: the Most Confusing Words in English (a List with Meanings)
https://www.oxford-royale.co.uk/articles/efl-homophones.html ;;;
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tags: Homophones : the Most Confusing Words in English (a List with Meanings) | HTGFATS english dictionary homograph homonym Heteronym heterograph synonym antonym needsEditing ;;;
Homophones  :  the  Most  Confusing  Words  in  English  (a  List  with  Meanings)  |  HTGFATS  dictionary  homograph  homonym  Heteronym  heterograph  synonym  antonym  needsEditing  Homophone 
5 weeks ago by neerajsinghvns
YouTube; Cascading Drop-down Navigation Menu with CSS (Part 1)
https://m.youtube.com/watch?v=TmQm-p3wCSU ;;;
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tags: dropDown menu youTube video by ralph needsEditing howTo create build HTML CSS cascading nav navigation howto instead of just the hyperlinks, the entire button becomes a hyperlink link ;;;
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00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
10:45; positioning of hyperlinks.
11:47; convert un-ordered list of hyperlinks to positioning them like a set of drop down menus.
displaying anchor tags; code> ul#navmenu a { }.
12:10; get rid of underline; {text decoration: none}
12:15; convert inline element anchor tags in to block elements. {display: block;}
12:25; make list items behave more like buttons. instead of just the hyperlinks, the entire button becomes a hyperlink.
12:50;
{display: block;
width: 125px;
height: 25px;
}
dropDown  menu  youTube  video  by  ralph  needsEditing  howTo  create  build  HTML  CSS  cascading  nav  navigation  instead  of  just  the  hyperlinks  entire  button  becomes  a  hyperlink  link 
6 weeks ago by neerajsinghvns
HTML Links
https://www.w3schools.com/html/html_links.asp ;;;
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tags: w3schools HTML Links colors color behavior needsEditing and how the change changes in different situations link ;;;
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HTML Links - Create a Bookmark
HTML bookmarks are used to allow readers to jump to specific parts of a Web page.

Bookmarks can be useful if your webpage is very long.

To make a bookmark, you must first create the bookmark, and then add a link to it.

When the link is clicked, the page will scroll to the location with the bookmark.

Example
First, create a bookmark with the id attribute:

<h2 id="C4">Chapter 4</h2>
Then, add a link to the bookmark ("Jump to Chapter 4"), from within the same page:

<a href="#C4">Jump to Chapter 4</a>
Or, add a link to the bookmark ("Jump to Chapter 4"), from another page:

Example
<a href="html_demo.html#C4">Jump to Chapter 4</a>
w3schools  HTML  Links  colors  color  behavior  needsEditing  and  how  the  change  changes  in  different  situations  link 
6 weeks ago by neerajsinghvns
How to save more money and grow your net worth — cut down on 3 things - Business Insider
I've saved nearly $270,000 at age 28, and I'm convinced the key to growing your net worth is spending less on 3 things
Last year, I vacationed to Alaska, Florida, Colorado, New Orleans, and San Francisco. Plus ski trips to Aspen, Colorado, and Whistler, Canada.
More than I'd like to admit, I also spent aimlessly on concerts and events, spoiled my pets with way too many toys, and cannot remember a single time I turned down a night at the breweries with friends.
Now's the part of the intro where I'm supposed transition to the bad news to let you know how much debt I've racked up, and how I'm living way beyond my means.
But I have a curveball for you. Despite all those expenses, I only spent about $25,000 for the whole year.
This level of frugality allowed me to grow my net worth by $73,000 last year. (Of which, about $35,000 was investment returns and the remaining $38,000 was from saving over 50% of my income, plus employer 401(k) contributions.)
How?
I focused on just three expenses.
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I've  saved  nearly  $270_000  at  age  28_  and  I'm  convinced  the  key  to  growing  your  net  worth  is  spending  less  on  3  things  needsEditing  investment  retirement  Komal  Neha  Sonu  &  Neeraj  questionable  from iphone
8 weeks ago by neerajsinghvns
The Bailouts For The Rich Are Why America Is So Screwed Right Now | Zero Hedge
The Bailouts For The Rich Are Why America Is So Screwed Right Now
Authored by Matt Stoller via Vice.com,
Did they prevent a full-scale collapse? Yes. Was it necessary to do it the way we did? Not at all.
These guys got off pretty easy. (Photo by Scott J. Ferrell/Congressional Quarterly/Getty Images)
In 1948, the architect of the post-war American suburb, William Levitt, explained the point of the housing finance system. "No man who owns his own house and lot can be a Communist," he said. "He has too much to do."
It’s worth reflecting on this quote on the ten-year anniversary of the financial crisis, because it speaks to how the architects of the bailouts shaped our culture. Tim Geithner, Ben Bernanke, and Hank Paulson, the three key men in charge, basically argue that the bailouts they executed between 2007 and 2009 were unfair, but necessary to preserve stability. It’s time to ask, though: just what stability did they preserve?
These three men paint the financial crisis largely as a technical one. But let’s not get lost in the fancy terms they use, like “normalization of credit flows," in discussing what happened and why. The excessively wonky tone is intentional - it's intended to hide the politics of what happened. So let’s look at what the bailouts actually were, in normal human language.
The official response to the financial crisis ended a 75-year-old American policy of pursuing broad homeownership as a social goal. Since at least Franklin Delano Roosevelt, American leaders had deliberately organized the financial system to put more people in their own homes. In 2011, the Obama administration changed this policy, pushing renting over owning. The CEO of Bank of America, Brian Moynihan, echoed this view shortly thereafter. There are many reasons for the change, and not all of them were bad. But what’s important to understand is that the financial crisis was a full-scale assault on the longstanding social contract linking Americans with the financial system through their house.
The way Geithner orchestrated this was through a two-tiered series of policy choices. During the crisis, everyone needed money from the government, but Geithner offered money to the big guy, and not the little guy.
First, he found mechanisms, all of them very technical—and well-reported in Adam Tooze’s new book Crashed—to throw unlimited amounts of credit at institutions controlled by financial executives in the United States and Europe. (Eric Holder, meanwhile, also de facto granted legal amnesty to executives for possible securities fraud associated with the crisis.)
Second, Geithner chose to deny money and credit to the middle class in the midst of a foreclosure crisis. The Obama administration supported this by neutering laws against illegal foreclosures.
The response to the financial crisis was about reorganizing property rights. If you were close to power, you enjoyed unlimited rights and no responsibilities, and if you were far from power, you got screwed. This shaped the world into what it is today. As Levitt pointed out, when people have no stake in the system, they get radical.
Did this prevent a full-scale collapse? Yes. Was it necessary to do it the way we did? Not at all.
Geithner, Bernanke, and Paulson like to pretend that bank bailouts are inherently unpopular—that they were wise stewards resisting toxic (populist) political headwinds. But it’s not that simple. Unfair bank bailouts are unpopular, but reasonable ones are not. For an alternative, look at how a previous generation of Democrats handled a similar, though much more serious, crisis.
In 1933, when FDR took power, global banking was essentially non-functional. Bankers had committed widespread fraud on top of a rickety and poorly structured financial system. Herbert Hoover, who organized an initial bailout by establishing what was known as the Reconstruction Finance Corporation, was widely mocked for secretly sending money to Republican bankers rather than ordinary people. The new administration realized that trust in the system was essential.
One of the first things Roosevelt did, even before he took office, was to embarrass powerful financiers. He did this by encouraging the Senate Banking Committee to continue its probe, under investigator Ferdinand Pecora, of the most powerful institutions on Wall Street, which were National City (now Citibank) and JP Morgan. Pecora exposed these institutions as nests of corruption. The Senate Banking Committee made public Morgan’s "preferred list," which was the group of powerful and famous people who essentially got bribes from Morgan. It included the most important men in the country, like former Republican President Calvin Coolidge, a Supreme Court Justice, important CEOs and military leaders, and important Democrats, too.
Roosevelt also ordered his attorney general "vigorously to prosecute any violations of the law" that emerged from the investigations. New Dealers felt that "if the people become convinced that the big violators are to be punished it will be helpful in restoring confidence." The DOJ indicted National City’s Charles Mitchell for tax evasion. This was part of a series of aggressive attacks on the old order of corrupt political and economic elites. The administration pursued these cases, often losing the criminal complaints but continuing with civil charges. This bought the Democrats the trust of the public.
When Roosevelt engaged in his own broad series of bank bailouts, the people rewarded his party with overwhelming gains in the midterm elections of 1934 and a resounding re-election in 1936. Along with an assertive populist Congress, the new administration used the bailout money in the RFC to implement mass foreclosure-mitigation programs, create deposit insurance, and put millions of people to work. He sought to save not the bankers but the savings of the people themselves.
Democrats did more than save the economy - they also restructured it along democratic lines. They passed laws to break up banks, the emerging airline industry, and electric utilities. The administration engaged in an aggressive antitrust campaign against industrial monopolists. And Roosevelt restructured the Federal Reserve so that the central bank was not "independent" but set interest rates entirely subservient to the wishes of elected officials.
In 1938, Franklin Delano Roosevelt offered his view on what causes democracies to fail.
"History proves that dictatorships do not grow out of strong and successful governments," he said, "but out of weak and helpless ones."
Did the bailouts of ten years ago work? It’s a good question. I don’t see a strong and vibrant democracy in America right now. Do you?
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The  Bailouts  For  The  Rich  Are  Why  America  Is  So  Screwed  Right  Now  needsEditing  2007  2008  2009  economy  depression  questionable  from iphone
8 weeks ago by neerajsinghvns
Who Gains and Loses From the Falling Rupee - News18
Who Gains and Loses From the Falling Rupee
The rupee slumped to a record low of 71 against the dollar on Friday. Exchange rates are constantly fluctuating, but what, exactly, causes a currency's value to rise and fall? Simply put, currencies fluctuate based on supply and demand.
News18.com
The rupee slumped to a record low of 71 against the dollar on Friday. Exchange rates are constantly fluctuating, but what, exactly, causes a currency's value to rise and fall? Simply put, currencies fluctuate based on supply and demand. Most of the world's currencies are bought and sold based on flexible exchange rates, meaning their prices fluctuate based on the supply and demand in the foreign exchange market. A high demand for a currency or a shortage in its supply will cause an increase in price. A currency's supply and demand are tied to a number of intertwined factors, including the country's monetary policy, the rate of inflation, and political and economic conditions.
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Who  Gains  and  Loses  From  the  Falling  Rupee  needs  USD  INR  questionable  from iphone
8 weeks ago by neerajsinghvns
Travel Channel: How to Tip Around the World
https://www.travelchannel.com/interests/food-and-drink/photos/how-to-tip-around-the-world ;;;
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Travel Channel
Tipping can be a controversial topic, since whether or not you should tip, and how much, depends on who you ask. Therefore, consider this a general guideline, keeping in mind that there are no hard and fast rules in many countries. United States It should be noted that even in countries without a tipping history, an increasing number of people in the service industry, especially in touristy areas, have come to expect tips from Americans, even if they don’t expect tips from the locals. In those Read the full story
Shared from Apple News
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How to Tip tipping Around the World in different various countries cultures
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Sent from my phone. Please ignore any Auto Correction errors.
If  it  is  something  urgent_  after  you  send  me  the  details  by  email_  please  contact  text? 
8 weeks ago by neerajsinghvns
Apple TV 4K Comparison Guide - Understand the differences between the models
Apple TV 4K Comparison Guide – Understand the differences between the models
September 17, 2018 No Comments
When just looking at the specs between the Apple TV 4K, the 4th Generation model and older models, it can be difficult trying to understand what those differences actually mean to you and which upgrades are something you might actually benefit from. So in this article, you’ll not only get a complete list of all the differences between these two models, but you’ll also learn what each of these features do and how they could impact your viewing experience.
Now the biggest different between the 4K model and the one before it (4th Gen Apple TV) is that the 4K model supports 4K while the previous model only supports up to 1080p.
But below you can see a complete break down of what’s the same and what’s different as well as an explanation of how those differences may or may not really affect you.
Currently the Apple 4K TV is about $179 (32GB model), but you can click here to check the current best price or for any promotional discounts on either model.
Here’s a comparison of the different features each model has:
And if you’d like to get a quick summary of just the key differences between the 4K model and the previous 4th Generation model, you can skip to the end of this post for that.
PROCESSOR
The Apple TV 4K has an upgraded processor which is the same one used for the iPad Pro. What this means is that it’s adequately powered for playing back 4K content, it’s MUCH smoother for gaming and it’s snappier when navigating through menu’s and different content (compared to the 4th Gen Apple TV).
The 4th Gen Apple TV uses the A8 chip which is the same one used on the iPhone 6. Apps still run fine on both models as app developers are still targeting the 4th Gen Apple TV since this is what most people still have.
The bottom line here is that if you don’t have a 4K TV and don’t plan on getting one anytime soon, or if you’re not using your Apple TV for gaming, then the upgraded chip is really unnecessary and you’d be just fine with the 4th Gen model.
The only caveat to that is if you’re someone who wants to be able to navigate around menu’s and so forth as quickly as possible, then it would certainly be worth it to spend a few more dollars for the 4K model.
Apple TV 4K: Apple A10X Fusion
4th Gen Apple TV: Apple A8
3rd Gen Apple TV: Apple A5
2nd Gen Apple TV: Apple A4
1st Gen Apple TV: 1 GHz Intel Crofton Pentium M
STORAGE (VIDEO, MUSIC & PHOTOS)
Apple TV 4K: Up to 32GB or 64GB (depends on which model you choose)
4th Gen Apple TV: Up to 32GB or 64GB (depends on which model you choose)
3rd Gen Apple TV: N/A
2nd Gen Apple TV: N/A
1st Gen Apple TV: Up to 40GB or 160GB (depends on which model you choose)
APP STORE
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: No
2nd Gen Apple TV: No
1st Gen Apple TV: No
GAMES
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: No
2nd Gen Apple TV: No
1st Gen Apple TV: No
SIRI
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: No
2nd Gen Apple TV: No
1st Gen Apple TV: No
UNIVERSAL SEARCH
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: No
2nd Gen Apple TV: No
1st Gen Apple TV: No
BLUETOOTH
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: Yes
2nd Gen Apple TV: Yes
1st Gen Apple TV: No
SUPPORTED FORMATS
Apple TV 4K: H.264 up to 2160p, HDR10, Dolby Vision, AAC, MPEG-4, MP3
4th Gen Apple TV: H.264 up to 1080p, AAC, MPEG-4, MP3
3rd Gen Apple TV: H.264 up to 1080p, AAC, MPEG-4, MP3
2nd Gen Apple TV: H.264 up to 720p, AAC, MPEG-4, MP3
1st Gen Apple TV: H.264, AAC, MPEG-4, MP3
NETFLIX STREAMING
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: Yes
2nd Gen Apple TV: Yes
1st Gen Apple TV: No
MAXIMUM HD RESOLUTION
Apple TV 4K: 4K
4th Gen Apple TV: 1080p
3rd Gen Apple TV: 1080p
2nd Gen Apple TV: 720p
1st Gen Apple TV: 720p
INTERFACES
Here’s where you’ll notice another change between the Apple 4K TV and the prior model. First, they removed the USB type C that used to be on the back of the 4th Gen model. This was something mostly used by developers or for those wanting to side-load their own applications (ie. emulators, etc.).
But this is an example of something the average consumer won’t miss or notice at all. However, if you are a developer then this is something you may want to consider if deciding between the two models.
One improvement though is that the 4K model now uses Gigabit ethernet instead of 100-megabit ethernet (for the 4th Gen model). This is important for 4K content as the amount of 4K content continues to rise (and possibly networks becoming more saturated) this is preparing for that future.
So while you may not have a need or see a benefit initially from this, it’s great to see they included that as it’s one less thing you’ll need to worry about upgrading in the future.
Finally, the HDMI connection has been upgraded to 2.0 with the 4K model to allow for the transmission of 4K content over an HDMI 2.0 cable. This is an **IMPORTANT** thing to note as Apple TV 4K does not come with a HDMI 2.0 or 4K compatible HDMI cable. That is something you’ll need to purchase separately.
And just to clarify, not all HDMI cables are 2.0. So if you already have an HDMI cable but it’s not an HDMI 2.0 cable, then you won’t get the full effect of your 4K content.
If you need to get an HDMI 2.0 cable, this is the one I’d recommend getting from Amazon that’s the best bang for your buck: https://amzn.to/2CXdrNQ
Apple TV 4K: HDMI 2.0, Gigabit Ethernet, IR Receiver
4th Gen Apple TV: HDMI, 100-megabit Ethernet, USB-C, IR Receiver
3rd Gen Apple TV: HDMI, Ethernet, Optical Audio, Micro USB, IR Receiver
2nd Gen Apple TV: HDMI, Ethernet, Optical Audio, Micro USB, IR Receiver
1st Gen Apple TV: HDMI, Component A/V, Optical Audio, Analog Audio, USB 2.0, Ethernet, IR Receiver
NETWORKING
Apple TV 4K: Gigabit Ethernet, 802.11 a/b/g/n/ac Wi-Fi, Bluetooth 5.0
4th Gen Apple TV: 10/100 Base-T Ethernet, 802.11 a/b/g/n/ac Wi-Fi, Bluetooth 4.0
3rd Gen Apple TV: 10/100 Base-T Ethernet, 802.11 a/b/g/n Wi-Fi
2nd Gen Apple TV: 10/100 Base-T Ethernet, 802.11 a/b/g/n Wi-Fi
1st Gen Apple TV: 10/100 Base-T Ethernet, 802.11 a/b/g/n Wi-Fi
REMOTE CONTROL
Apple TV 4K: Siri Remote with touchpad and mic
4th Gen Apple TV: Siri Remote with touchpad and mic
3rd Gen Apple TV: Apple Remote
2nd Gen Apple TV: Apple Remote
1st Gen Apple TV: Apple Remote
REMOTE CAN CONTROL TV
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: Yes
2nd Gen Apple TV: No
1st Gen Apple TV: No
USE APPLE WATCH AS REMOTE
Apple TV 4K: Yes
4th Gen Apple TV: Yes
3rd Gen Apple TV: Yes
2nd Gen Apple TV: Yes
1st Gen Apple TV: No
WEIGHT (in pounds)
Apple TV 4K: .94
4th Gen Apple TV: .94
3rd Gen Apple TV: .6
2nd Gen Apple TV: .6
1st Gen Apple TV: 2.4
SIZE (in inches)
Apple TV 4K: 3.9 x 3.9 x 1.4
4th Gen Apple TV: 3.9 x 3.9 x 1.3
3rd Gen Apple TV: 3.9 x 3.9 x .9
2nd Gen Apple TV: 3.9 x 3.9 x .9
1st Gen Apple TV: 7.7 x 7.1 x 1.1
PRICE
You can check and compare all the best new and used prices using the links below:
Apple TV 4K: (Best Price Available on Amazon)
4th Gen Apple TV: (Best Price Available on Amazon)
3rd Gen Apple TV: (Gamestop) vs (BuyBackWorld) vs (Target)
2nd Gen Apple TV: (BuyBackWorld)
1st Gen Apple TV: (Mercari) vs (Amazon)
Click here for pricing of refurbished Apple TV products directly from Apple.com
COMPARING APPLE TV 4K (5TH GEN) TO 4TH GEN APPLE TV
So what all this boils down to for most people is that the big difference with the newest and latest Apple TV is that it supports 4K. And watching 4K content does look noticeably clearer and sharper. If your newer to viewing 4K content, it’s awesome!
Aside from that, anyone that enjoys gaming with the Apple TV will notice an improved experience with the newer 4K model (due to the more powerful chip and a better frame rate).
The user interface looks cleaner but when it comes to launching apps, there’s almost no difference in the time it takes to load (though the 4K model is a tad quicker).
The Siri experience is the same on both.
Your movie library is updated to 4K for free which is very cool. So any movie in your iTunes library that has the option to watch it in 4K, you’ll get that for free without having to purchase the 4K version of that movie.
Check Best Price for Apple TV 4K
So hopefully this comparison was helpful. If you have any additional questions or would like clarification on any of the points above, please don’t hesitate to ask!
Also, if you’re thinking about upgrading or still trying to decide between the two, feel free to post a comment below about your specific situation as well.
Please click on "Reply All" when replying to this email.
Thank you,
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Apple  TV  4K  Comparison  Guide    Understand  the  differences  between  the  models  NeedsEditing  questionable  AppleTv  from iphone
10 weeks ago by neerajsinghvns
Why do flight attendants dislike flying to and from India? Quora has the answers — Quartz India
The dreaded destination: why foreign flight attendants dislike travelling to and from India
Maria ThomasSeptember 9, 2016
Reuters/Krishnendu Halder
In-flight entertainment.
Indians have a really bad reputation when it comes to air travel.
So much so that when an Emirates flight from the southern state of Kerala made a hard landing in Dubai last month, an ex-flight attendant had no qualms referring to the panicked passengers as “fucking rats” and an “untameable bunch” as videos emerged of them rushing to grab their belongings in the midst of the emergency.
The post was slammed for its racist and insensitive undertones. But for frequent flyers from India, disgruntled or even disgusted flight attendants are nothing new. What’s behind the negative attitude? Quora has the answers.
Not used to the jet-set life
Many Indian passengers who take flights, notably to the Middle East, are first-time travellers from socio-economic classes that have little exposure to the jet-set life.
As Quora user Maazin Buhari puts it,
“A lot of the time, (on flights to the Middle East especially), the passengers on board these flights will be migrant workers who are travelling to earn a livelihood in the city they are flying to. Often they are of a lower socio-economic background, will be carrying all or a significant amount of their possessions with them, and are not used to frequent air travel.”
That explains the rush to grab belongings as soon as the flight lands, despite instructions to stay seated until the seatbelt sign is switched off.
Often, these passengers aren’t used to the in-flight behavioral norms that are mostly western. Quora user Sri Ka notes:
“For example, practically no Indian uses cutlery at home—they eat with their fingers—but the flights are not suitable for such a lifestyle as they are not designed with sufficient hand-wash facilities so one is forced awkwardly to eat with cutlery, that too the plastic ones. It is quite difficult. Similarly, the toilets in the flights are nowhere near like the toilets in Indian homes and many Indians, particularly first-timers, do not even know how to use paper instead of water. When people are forced to do something unnatural for them, they are likely to fumble and make a mess.”
But it’s also about civic sense
The first-timers can and should be forgiven but even among regular travellers, inconsiderate behaviour is common.
Supreeth Shankarghal, who describes himself as a frequent flier and aviation enthusiast, lists some of the worst offenses Indians are known for:
Being adamant about placing their overweight hand baggage in the overhead bin of only their preference.
Stealing cutlery.
Stealing headphones and blankets.
Not switching off the phone during take-offs or landings despite warnings.
Taking selfies and pictures inside the flight when asked not to do so.
Not making way or getting up from the seat for fellow passengers.
Reclining the seat even during take-offs and landings.
Not speaking proper English.
Ogling at air hostesses and other female passengers.
Moving up and down the aircraft many times.
Requesting for unnecessary seat changes.
Getting up and going to the toilet when seatbelt sign is on.
Removing seat-belts and getting up to remove overhead baggage when the aircraft is still taxiing.
Over-abuse of free alcohol served on board.
While it is a bit unfair to refer to poor English skills as inconsiderate behaviour, the consumption of a copious amount of alcohol does seem to be a big problem. For some passengers, the chance to gulp down one whisky after another during international flights proves irresistible and untoward incidents ensue.
Entitled passengers are the worst
But despite all of the above, it’s the rude and entitled regular travelers that pose the biggest problem with their assumption that the cabin crew exists to serve them and them alone.
Flight attendant and Quora user Buzzlair Voufincci noted that some travellers are quick to claim a higher status on every flight.
“They would explicitly say to the flight attendant, ‘I am a doctor’ to get treatment above all the others on board,” he wrote, adding that some even said things like “I know your CEO personally” or even “I pay for the seat, and the compartment above me, it’s my space.”
For Voufincci, it’s India’s “huge income gap” that leads to this “inflated ego.”
Some responses have been mildly edited for grammar.
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The  dreaded  destination:  why  foreign  flight  attendants  dislike  travelling  to  and  from  India  needsEditing  questionable  from iphone
10 weeks ago by neerajsinghvns
Chad Ludington’s Statement on Kavanaugh’s Drinking and Senate Testimony
I  do  not  believe  that  the  heavy  drinking  or  even  loutish  behavior  of  an  18-  or  even  21-year-old  should  condemn  a  person  for  the  rest  of  his  life.  I  would  be  a  hypocrite  to  think  so.  However_  I  have  direct  and  repeated  knowledge  about  his  drinking  and  his  disposition  while  drunk.  I  do  believe  that  Brett’s  actions  as  a  53-year-old  federal  judge  matter.  If  he  lied  about  his  past  actions  on  national  television_  and  more  especially  while  speaking  under  oath  in  front  of  the  United  States  Senate_  I  believe  those  lies  should  have  consequences.  It  is  truth  that  is  at  stake_  and  I  believe  that  the  ability  to  speak  the  truth_  even  when  does  not  reflect  well  upon  oneself_  is  a  paramount  quality  we  seek  in  our  nation’s  most  powerful  judges.  Chad  Ludington’s  Statement  on  Kavanaugh’s  and  Senate  Testimony  needsEditing  questionable  Brett  Kavanaugh  from iphone
10 weeks ago by neerajsinghvns
The Washington Post: A guide to the financial crisis — 10 years later
The Washington Post
Ten questions as we look back at the Great Recession. Read the full story
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september 2018 by neerajsinghvns
A stock-market bear signal is at a more-than-4-decade high, says Goldman - MarketWatch
A stock-market bear signal is at a more-than-4-decade high, says Goldman
Mark DeCambre
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Goldman’s bull-bear indicator is flashing red.
A gauge of bullish and bearish momentum in the U.S. stock market is ringing alarms for strategists at Goldman Sachs.
The investment bank’s so-called bull-bear indicator, which examines five market factors, indicates that the likelihood of a bear market occurring is at its highest point since around the mid-1970s (see chart below).
Goldman analysts led by Peter Oppenheimer, chief global equities strategist, said an unusual period for Wall Street, characterized by loose monetary policy and a recent spate of fiscal stimulus has resulted in an uncannily bullish cycle for markets that is likely to come to a screeching halt.
However, the upshot of the 54-page Goldman report dated Sept. 4 isn’t that investors should panic and head for the hills, but rather that a period of lower returns should be anticipated (see chat below).
The report comes as U.S. stocks have registered a decadelong, bull rally, making it the lengthiest period of equity-market prosperity, by certain measures, with the S&P 500 index SPX, +0.27% advancing more than 320% since the depths of the financial crisis in 2009. The Dow Jones Industrial Average DJIA, -0.08% during that period, has climbed nearly 300%, while the Nasdaq Composite Index COMP, +0.23% has rallied by more than 520%, underscoring the outsize returns in the technology-and-internet related sector that has helped to buttress the broader stock market then and now.
Thus far in 2018, the S&P 500 has gained 7.6%, the Dow has climbed about 5%, while the tech-centric Nasdaq has soared by nearly 15% in the first nine months of the year. (However, the tech sector has come under severe pressure in the past week).
Goldman points out that tech performance has also coincided with strong earnings, or earnings per share, performance for tech-related stocks (see chart below):
Still, Oppenheimer, in a phone interview with MarketWatch, cautioned against interpreting the Goldman report as a staunchly bearish outlook. “We’re not flying the flag here and saying that there is going to be a deep bear market.”
He said some of the effects of any downturn may be moderated by a number of factors including an interest rate environment here and abroad that remains accommodative even as the world’s central banks aim to reset their monetary policy from financial crisis mode.
The Federal Reserve is widely expected to lift interest rates later this month at the conclusion of its two-day policy-setting gathering on Sept. 26. Oppenheimer also said that inflation remains subdued and that makes it unlikely that the Fed will feel a need to dial rates up rapidly to cool an overheated economy. “That may be one of the reason why we don’t see an economic downturn” in the cards, the Goldman strategists told MarketWatch.
Oppenheimer reiterated one line contained within the Goldman research report that reflects the unusual combination of monetary and fiscal stimulus that has given rise to such strong returns, noting that “the current cycle has been difficult to pin down” (read the excerpt from the report below):
Given such strong returns, many investors are wondering how long the economic cycle and bull market can last, and what type of conditions could follow. The difficulty in answering these questions is that the current cycle has been difficult to pin down. It has been, and remains, a very unusual cycle, making historical comparisons less reliable. The following are a few ‘unconventional’ aspects of the post financial crisis cycle that we should think about.
A 20% decline for the market, representing the typical definition of a bear market for an asset, hasn’t occurred in years (see chart below), according to Goldman, and may be halting for investors that have grown accustomed to this current phase of mostly levitating markets.
The upshot that Goldman offers to its clients: Brace for more modest to flat returns in the years ahead.
Read: Despite stock records, bears have ‘unfinished business’ with market, Morgan Stanley warns
Also read: Prepare for the biggest stock-market selloff in months, Morgan Stanley warns
More from MarketWatch
Barack Obama once got kicked out of Disneyland for smoking with his friends
All Americans would get an income boost under this new plan to share the country’s riches
Stocks are in ‘the danger zone,’ and it is ‘assured’ that a bear market will occur in the next year, analyst warns
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september 2018 by neerajsinghvns
Possibly Trump’s stupidest tweet ever - The Washington Post
Columnist George F. Will says President Trump's scattershot economic policy has surrendered the world stage to China. (Gillian Brockell, Kate Woodsome, James Pace-Cornsilk/The Washington Post)

And, finally, the notion that other countries are stealing our wealth is wrong. In fact, the opposite is true. We send dollars to foreign exporters, who in turn invest in America and hire our workers. They are making the United States richer.  Just ask the Department of Commerce:

In 2013, majority-owned U.S. affiliates of foreign firms employed 6.1 million people. In addition to these direct jobs, foreign direct investment (FDI) contributes to a number of indirect jobs. However, little is known about the total number of jobs attributable to FDI in the United States. We use the United States Applied General Equilibrium (USAGE) model to estimate the total jobs attributable to FDI. We find that in addition to 6.1 million direct jobs, there are 2.4 million indirect jobs attributable to the economic activity of foreign firms and 3.5 million indirect jobs attributable to technology spillovers from foreign firms, for a total of 12 million jobs attributable to FDI in the United States.

tags: wp washingtonPost washington post president donald trump china the most powerful person in world ;;;
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august 2018 by neerajsinghvns
How the new tax law creates a ‘perfect storm’ for Roth IRA conversions - MarketWatch
tags: How the new tax law creates a ‘perfect storm’ for Roth IRA conversions - MarketWatch | READ comments
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You are mistaken. 401k and IRA are separate contributions with their own limits. You can max out your 401k and still do maximum contribution to your IRA (either traditional or Roth.) Anyways, In my opinion, its inevitable Roth's will be taxed in the future when too many of us middle class peasants start not paying taxes on income. The Roth scam worked great when only the Rich knew about it, but there is no way the gov't is going to let ordinary people avoid taxes.
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Bert MLeader
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You should convert as much as you can up to the max limit of 12% tax bracket. When you start SS at whatever age or start RMDs at 70.5, depending on your income, you may be in the higher 22% tax bracket. I can convert about $14k per year right now from age 62 to 66, but when I start SS at 66, I will have to stop converting because it will bump me into the 22% tax bracket and will make my stock dividends taxed at 15%. My dividends are taxed at 0% right now.
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DMC XXXXXLeader
8 Aug
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am in a higher tax bracket and now retired 10 years--
I have one rental, one pension, 2 roths and one IRA, 2 SS checks.

My income is 33% higher than the year I retired.

I intend to convert the one IRA (400K) to a roth this year or over 4 years. That IRA id adding 15 to 18 K to my taxable income each year.
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RISHIYUR MOHAN
31 Jul
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A few observations about Roth IRA/conversions:
Remember, the holy grail of Social Security benefits were not taxable until it was changed under the leadership of Republican President Reagan in 1984. So what's to prevent future Presidents and Congress, of any political persuasion, from dipping into Roth withdrawals in the future?
I have heard that its not advisable to pay Roth conversion taxes with pre-tax(IRA) funds. If you do ,your retirement nest egg takes an immediate dip based on your tax rate (e.g. 20% tax rate will be $200K on a $1000K amount). You may not have to pay taxes on withdrawals but future returns will have to make up for the reduction in asset base.
If you are in pre-medicare status and are retired with ACA health coverage, watch out!! The premium subsidies vanish if you go even $1 above the allowable taxable income limit. For example, monthly premium could jump from $300/month to $1500/month if taxable income is not closely monitored.
So the question is - in a specific individual's situation, a Roth conversion could be a benefit or a major losing proposition.
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Mike Grant
30 Jul
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I agree way to many variables. I am really surprised that most people would be in a higher tax bracket when they retire. I have figured it out for my wife and I and we will be living on 50% of our current income. Once the kids are gone and we downsize it won't even be close. Maximizing all the tax deductions I can get while we are working is by far our best option. It may not be for you, but it's not nearly as cut and dry as the article would suggest
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jon deanInfluencerMike Grant
31 Jul
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I thought that I'd be in a lower tax bracket when I retired. Didn't do the math; should have. I'm in a higher tax bracket because the last decade that I worked, I was maxing out contributions to a 401K and a 357 retirement savings plan, plus a health savings plan. Combined, all those deductions from my pay put me in a lower bracket. Now, over 70, even those RMDs put me in a higher bracket when combined with my SS and pensions.
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Bert MLeaderMike Grant
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Most retirees are not in a higher tax bracket after retirement. A very small percentage may be in higher tax brackets due to large RMDs. For example, I am 62, retired since age 59 and have $111k per year income. I have $10k Roth dividends (not taxed) and $38k in stock dividends at 0% tax rate. If you deduct the $24k married deduction, I'm only paying tax on $39k for a 4% overall tax rate. I haven't started my SS or RMDs yet, so my tax rate will go up, but I probably will never be paying a higher tax rate from when I was working.
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How  the  new  tax  law  creates  a  ‘perfect  storm’  for  Roth  IRA  conversions  -  MarketWatch  |  read  comments 
august 2018 by neerajsinghvns
401(k) Mistakes to Avoid | 401ks | US News
401(k) Mistakes to Avoid
Those who understand the 401(k) rules can take care to minimize penalties and fees.
Fees and penalties for your 401(k) can often be avoided if you understand how your 401(k) plan works. You can also take advantage of employer contributions and tax breaks once you figure out how to qualify. Here's how to fix several common 401(k) problems.
A low default savings rate. Many employees are automatically enrolled in a 401(k) plan, typically at the default savings rate of 3 percent. But sticking with this low savings rate could be a mistake. "That 3 percent is not enough," says Shannon Nutter-Wiersbitzky, head of participant strategy and development at Vanguard. "If a younger person could start at the 12 percent rate, they are certainly going to benefit tremendously from the benefit of compounding over time." If you can't save that much at the beginning of your career, aim to increase contributions each year. "It's typical that you would start at potentially a lower percentage and then increase that over time," Nutter-Wiersbitzky says. "If you generally get your raise at the end of the year, set your 401(k) to automatically increase. You won't feel it as much in terms of what is being saved for you out of your pay."
[See: How to Max Out Your 401(k) in 2018.]
Missing out on the 401(k) match. Find out if your employer provides a 401(k) match, and make sure you save enough to qualify for the maximum possible match. One common 401(k) match formula is 50 cents per dollar saved up to 6 percent of pay. In this case you would need to save at least 6 percent of your salary in order to claim the full match. "A 401(k) match anywhere from 4 to 6 percent of pay is typical," says Gregg Levinson, a senior retirement consultant for Willis Towers Watson. "It might require 8 percent deferral [of your pay] to get the full 4 percent [match]."
Failing to maximize tax breaks. Workers defer paying income tax on the money they contribute to a traditional 401(k) plan. Participants can delay paying taxes on up to $18,500 in 2018. Those age 50 and older can make catch-up contributions of up to an additional $6,000. A 55-year-old in the 24 percent tax bracket could reduce his income tax bill by $5,880 if he maxes out his 401(k) plan. "There is a big tax advantage if you contribute to the max allowed," says Lavina Nagar, a certified financial planner and president of Maya Advisors in Palo Alto, California. "If you can stretch yourself and save the full $18,500, that is the ideal situation." Income tax won't be due on the money in your traditional 401(k) plan until it is distributed from the account.
Automatically accepting the default investment. Workers who are automatically enrolled in a 401(k) plan are invested in a default fund selected by the plan sponsor. The most common default investment is a target-date fund, which typically contains a mix of stocks, bonds and cash that grows more conservative over time. However, the fees, underlying investments and rate at which the fund grows more conservative won't be an ideal fit for all employees. Take a look at the other investment options in your 401(k) plan before sticking with a target-date fund.
Paying excessive 401(k) fees. While some 401(k) plans negotiate for low costs on behalf of their employees, others are riddled with expensive funds and excessive fees. However, you can move your money to lower cost funds within your 401(k) plan. Your 401(k) plan is required to send each participant an annual 401(k) fee disclosure statement that lists how much each fund in the 401(k) plan costs to own in a single chart. "There are disclosures that have to come with those investments that detail the fees," says John Scott, director of the The Pew Charitable Trust's retirement savings project. "You should be able to get that information from your human resources person or the plan service provider or the mutual fund provider." Check this document each year to see if there are lower cost funds in the 401(k) plan that will meet your investment needs.
[See: 9 Ways to Avoid 401(k) Fees and Penalties.]
Leaving the company before you are vested. You don't get to keep employer contributions to your 401(k) until you are vested in the account. Some 401(k) plans immediately vest company deposits, while others require several years of job tenure before you can keep any of the 401(k) match. There are also graduated vesting schedules that permit employees to keep a portion of the 401(k) match based on their years of service at the company, and some employers require five or six years on the job before employees qualify for the entire 401(k) match. "Vesting can be immediate or vesting can stretch over a period of time," Nagar says. "If you move you might leave something on the table, and that should be part of your negotiation for the new job."
Triggering the 401(k) early withdrawal penalty. Cashing out your 401(k) plan before age 59 1/2 (or in some cases age 55) will trigger a 10 percent early withdrawal penalty in addition to the income tax you will owe on the distribution. A $5,000 withdrawal at age 50 will result in a $500 early withdrawal penalty and another $1,200 in income tax for someone in the 24 percent tax bracket.
Initiating a 401(k) loan. If you need access to your savings before retirement, account owners are often allowed to take a 401(k) loan of as much as 50 percent of the vested account balance up to $50,000. The loan typically must be paid back with interest within five years. However, 401(k) loans charge a variety of fees and you miss out on the investment gains you could have earned in the account. "It should be a last resort because the interest isn't deductible and you're tapping into a retirement asset," says David Clarken, a certified financial planner for FWI Wealth Management in Atlanta, Georgia. If you leave your job, the loan balance must be paid back by the due date of your federal income tax return. Loans that aren't repaid on time are considered distributions, and taxes and penalties may apply.
Forgetting to take 401(k) distributions in retirement. 401(k) withdrawals are required after age 70 1/2. The penalty for missing a required distribution is 50 percent of the amount that should have been withdrawn. But you don't need to wait until age 70 to take retirement account distributions. Some retirees start withdrawals during their 60s, which allows you to space out the tax bill and in some cases pay a lower tax rate.
[See: How to Pay Less Taxes on Retirement Account Withdrawals.]
Ignoring old 401(k) plans. When you change jobs you can generally leave your retirement account balance in the 401(k) plan. You might want to maintain a 401(k) plan with a former employer if the plan has especially good investment options, low costs or contains company stock. However, if you have multiple 401(k) plans at several former employers you can simplify your financial life by consolidating accounts. Some workers open an IRA and roll their 401(k) balance into it each time they change jobs. Moving your money to an IRA maintains the tax benefits, while also giving you a wider range of investment options.
10 Tips for Rolling Over a 401(k) When You Change Jobs
1 of 12
(Getty Images)
Rollover options
Each time you change jobs you need to decide what to do with the money in your 401(k) plan. While you can typically leave the money in a former employer’s 401(k) plan, there’s also an opportunity to transfer your retirement savings to an individual retirement account or a new 401(k) plan. Here’s how to roll over your retirement savings when you leave a job.
Updated on May 16, 2018: This slideshow was originally published on Oct. 23, 2017, and has been updated with new information.
Maintain the tax benefits.
(Getty Images)
Maintain the tax benefits.
You can maintain the tax benefits of your 401(k) plan by rolling the account balance over to an IRA or transferring your savings to a new employer’s 401(k) if the plan allows it. However, there’s no need to make a quick decision. In most cases you can leave the money in a former employer’s 401(k) plan. Take some time to find another tax-deferred account that has the investment options you want at the best possible price.
Transfer your money directly.
(Getty Images)
Transfer your money directly.
If you decide to move your money, you can avoid taxes and penalties by having the account balance directly transferred to a new retirement account via a trustee-to-trustee transfer. If a check is made out to you, 20 percent will be withheld for income tax. If you don’t put the entire distribution, including the withheld 20 percent, in a new retirement account within 60 days you will owe income tax on that money. A 10 percent early withdrawal penalty could also apply if you are under age 55. A trustee-to-trustee transfer allows you to avoid the tax withholding and potential fees.
Find better investment options.
(Getty Images)
Find better investment options.
401(k) plans have a limited menu of funds, typically chosen by an employer, plan sponsor or consultant. While some 401(k) plans provide excellent investment options for participants, other 401(k) plans are riddled with overpriced funds and unnecessary fees. IRAs have a much wider selection of investment options. Take some time to shop around for the investments that make the most sense for your retirement portfolio. A job change can be an opportunity to move your money into better funds with lower fees.
Keep costs low.
(Getty Images)
Keep costs low.
Retirement accounts charge a variety of administrative and maintenance fees and each individual fund charges an expense ratio or fee to maintain the fund and perhaps other costs. However, it is increasingly possible to find retirement accounts and funds that charge very low fees. It’s especially important to choose low-cost funds for your retirement savings because you are investing over a long period of time and might pay those fees for several decades. Paying lower fees means you get to keep more of your investment returns.
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august 2018 by neerajsinghvns
Better Buy: Amazon (AMZN) vs. Shopify (SHOP)
Better Buy: Amazon (AMZN) vs. Shopify (SHOP)
August 13, 2018, 11:00 AM EDT
Perhaps you've heard: E-commerce is eating retail. One walk around your -- probably vacant -- megamall should be all the evidence you need. Or maybe a glance at the cardboard boxes piling up on your neighborhood's front stoops will convince you of the trend.
But as big as e-commerce has gotten, here's the scary part: it still accounts for 9.5% of all retail purchases in the United States. That means that there's still tons of room for growth. And the two companies facing off today are at the forefront of that movement: Amazon (NASDAQ: AMZN) and Shopify (NYSE: SHOP).
Mini orange shopping basket on a smart device and a laptop with boxes
Image source: Getty Images.
While one company (Amazon) has created an Everything Store for people to shop at and created a fulfillment network to deliver all those packages, the other (Shopify) has created a platform that allows anyone to start a business with an online presence -- including on Amazon itself.
Which is the better buy at today's prices? Let's evaluate the question looking through three different lenses.
Financial fortitude
The first thing we want to do is check and see how safe our investment would be if tough economic times hit unexpectedly. Companies with large war chests and healthy cash flows not only survive such downturns but can actually grow stronger as a result. Those that are in heavy debt are in the opposite boat -- forced to narrow their ambitions to just stay afloat.
Remembering that Amazon is a $900 billion behemoth while Shopify is valued at "just" $16 billion, here's how the two stack up.
Company
Cash
Debt
Free Cash Flow
Amazon
$28 billion
$25 billion
$8 billion
Shopify
$1.6 billion
$0
($20 million)
Data source: Yahoo! Finance. Cash includes short- and long-term investments. Free cash flow presented on trailing 12-month basis.
On the one hand, Shopify is in a very healthy position given its secondary offering was recently successful and it has absolutely no long-term debt. Until recently, Amazon was in a similar position, but the company shelled out billions to acquire Whole Foods.
That being said, I still believe Amazon is in the superior position. Not only does it have far superior cash flows, but if tough economic times hit, CEO Jeff Bezos could take his foot off of the reinvestment pedal and I believe free cash flow could explode -- albeit at the expense of long-term opportunities.
Shopify might be able to do the same, but because the company's Merchant Solutions division would likely suffer in a downturn as well, I'm not sure the effect would be as positive for the company's balance sheet.
Winner = Amazon
Next we have valuation. And I'll spill the beans from the outset: neither one of these companies is anywhere near "cheap" based on traditional metrics. In fact, they're downright expensive -- insanely expensive if you ask conservative investors.
Data source: Yahoo! Finance, E*Trade. P/E calculated using actual and estimated non-GAAP earnings where applicable.
The task, then, is to simply ask: Which stock is less insanely expensive? Based on every metric above, that is clearly Amazon.
It's not every day you'll see Amazon being viewed as the "cheaper" stock, but when lined up against Shopify, it earns the designation.
Winner = Amazon
Finally, we have sustainable competitive advantages. Because both of these companies have multiple moats, we'll evaluate how they stack up in terms of the four major sustainable competitive advantages.
The first moat can come from intangible assets -- in this case, the strength of a company's brand. Within the industry for creating an e-commerce platform for small to medium-sized businesses, Shopify has an excellent brand name. When compared to Amazon -- whose brand Forbes ranks as the world's fifth-most valuable at $71 billion -- however, Shopify has the short end of the stick.
The next major moat comes from high switching costs. This is right in Shopify's wheelhouse. Once a company begins using Shopify to meet its e-commerce needs, the pain associated with switching to another provider is enormous. Not only are there migration and coding costs, but businesses suffer downtime and have to retrain their entire workforce on a new operating system. That's what has helped Shopify keep revenue retention above 100% for every year it's been a public company. One could make an argument that switching away from Amazon Prime offers the company a moat -- but there are no real metrics to track this, and Shopify's lead on this front is significant.
Low-cost production is the next major moat, and here is where Amazon is the clear winner. Because the company has spent decades and billions of dollars building out its network of fulfillment centers, it can afford to guarantee two-day delivery at a fraction of the internal costs competitors would have to fork over. Shopify has no such meaningful advantages.
Finally, there's the network effect. This moat comes into play when each additional user of a service makes the service more valuable. Both Amazon and Shopify benefit. For Amazon, the site has become such a popular destination for shoppers that third-party merchants are incentivized to list their wares on the site and use Fulfillment by Amazon for shipping. Revenue for third-party services grew 36% last quarter.
Shopify's network effect comes from the fact that third-party app developers look at Shopify's 600,000 merchants as a huge pool of potential customers. As more apps are developed for Shopify's platform, the tools attract ever more merchants -- a virtuous cycle.
Put it all together and you can see that while both companies have strong moats, Amazon comes out ahead.
Winner = Amazon
So there you have it: Amazon is cheaper, has a better balance sheet, and has a wider moat than Shopify. Don't let that stop you, however, from considering Shopify as well for your portfolio. I already have outperform ratings for both companies on my CAPS profile, and together, they account for 29% of my real-life holdings. While I clearly think Amazon is a better bet, they both deserve your consideration.
More From The Motley Fool
John Mackey, CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool's board of directors. Brian Stoffel owns shares of Amazon and Shopify. The Motley Fool owns shares of and recommends Amazon and Shopify. The Motley Fool has a disclosure policy.
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august 2018 by neerajsinghvns
Applying to College: A Step by Step Guide to the Application
https://www.universitylanguage.com/guides/applying-to-college/ ;;;
tags: Applying to College : A Step by Guide the Application | steps in process || neha komal sonu neeraj ||| questionable ;;;
Applying  to  College  :  A  Step  by  Guide  the  Application  |  steps  in  process  ||  neha  komal  sonu  neeraj  |||  questionable 
august 2018 by neerajsinghvns
Why Denmark is the Happiest Country - YouTube
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tags: Why Denmark is the Happiest Country - YouTube | video interesting reading interestingReading ;;;
Why  Denmark  is  the  Happiest  Country  -  YouTube  |  video  interesting  reading  interestingReading 
august 2018 by neerajsinghvns
The $250 Biohack That’s Revolutionizing Life With Diabetes - Bloomberg
The $250 Biohack That’s Revolutionizing Life With Diabetes
DIYers used a security flaw to bypass the $8.3 billion insulin delivery business with a cobbled-together artificial pancreas.
More stories by Naomi Kresge
August 8, 2018, 5:00 AM EDT
When her daughter, Sydney, was diagnosed with Type 1 diabetes at age 8, Kate Farnsworth stopped sleeping through the night. She’d set the alarm for 3 a.m. so she or her husband, Dave, could prick the girl’s fingers and check her blood sugar. If the results were worrisome, they’d adjust her insulin and keep checking every 15 minutes. At 6 a.m., another alarm went off to signal the next insulin dose, but by then, Kate had usually snapped awake again already. When Sydney got home from school each afternoon, Kate was there to check her glucose level. “Diabetes is one of the only diseases where you’re sent a prescription and have to adjust the dosage on your own” forever, Kate says. For Sydney, the biggest worry was “how I wouldn’t ever be normal again.”
Two exhausting years in, Kate found the beginnings of an alternative in an online forum. A loose confederation of do-it-yourselfers were working on a system that would eventually help link an insulin pump to a glucose monitor and connect both to a smartphone app. The idea was that the wearer—or her parents—could track and adjust her blood sugar, in person or from afar. That would mean fewer pinpricks, and far fewer alarms, because her blood sugar would stay out of the danger zone. Most of the time, the contraption would be able to regulate the wearer’s insulin itself.
Sydney Farnsworth (left) and her mother, Kate.
Photographer: Mark Sommerfeld for Bloomberg Businessweek
Two long years after that, Kate, a graphic artist in the Toronto suburbs, was able to follow the community’s step-by-step instructions and build her daughter what amounted to an artificial pancreas, the organ that regulates blood sugar. Suddenly, the Farnsworths could take a breath. Sydney, now 15, is still using an updated version of that DIY system, which, because a fellow DIYer donated the pump, cost only $250 to make. “I’m really happy with where I am now,” she says. “It’s so simple to just click a button and give insulin while I’m on my phone.” The app she uses, connected to a sensor under her skin, keeps monitoring her whether she’s sleeping, taking a math quiz, or doing jumps on her snowboard. “It has totally changed the way we manage diabetes,” Kate Farnsworth says.
Twenty years ago, internet utopians envisioned scientific innovation gradually becoming more open-source. Instead, most amateur “biohacking” has remained fringe-y and often focused on aesthetics—inserting lights under the skin as a fashion statement, for example. But like the prosthetic arm a teenager built himself out of Legos, the device keeping Sydney alive is a rare example of the idea working out, at least in microcosm. By some estimates, as many as 2,000 people around the world have used a home-built pancreas, cobbled together mostly via social media and the free-code clearinghouse GitHub. Tech support consists of parents and patients who use Facebook Messenger or email to help newcomers fix bugs or revive busted equipment. There are plenty of potential converts: In the U.S. alone, about 1.3 million people have Type 1 diabetes, and there are indications the technology could also help some sufferers of Type 2, the group that accounts for most of the world’s 422 million diabetes cases.
Although no users have reported a disastrous malfunction, trusting your life (or your child’s) to a DIY pancreas carries obvious risks. The U.S. Food and Drug Administration is years away from approving a comparably flexible and automated rig for sale. “You’ve got a group that is circumventing all of the controls that are in place,” says Hooman Hakami, president of the diabetes group at Medtronic Plc, the leader in the $8.3 billion market for old-school diabetes devices. “I can show you what a few of our engineers have put together over a weekend, and it would blow you away. But we don’t call that a finished product. We call that a prototype.”
So far, though, the rough-and-tumble version is way ahead of the market. Apple Inc. and Eli Lilly & Co. have hired DIYers, and Medtronic’s latest FDA-approved product can now do most of the things the Farnsworths’ system can—for $7,000, before insurance. It’s not hard to understand why diabetics and their loved ones might opt for the Farnsworth model, says Courtney Lias, who oversees chemistry and toxicology devices at the FDA’s Center for Devices and Radiological Health. “You can do everything on your phone except manage diabetes,” Lias says. “You should be able to do that, too.”
The DIY pancreas movement would never have happened if not for a Medtronic blunder. In 2011 a pair of security researchers alerted the public that the wireless radio frequency links in some of the company’s best-selling insulin pumps had been left open to hackers. Medtronic closed the loophole after the researchers warned of risks to patients, but it never recalled the devices, leaving thousands in circulation.
By then, Ben West, a programmer and diabetes patient in San Francisco, had decided to hack the pump. “This is not what I wanted,” he says. “This is all a last-ditch effort.” He says he’d been careful to use his existing pump as directed but still wound up in the hospital more than once when his blood sugar veered dangerously high or low. He despised needing to retreat to the corner of a party to prick his finger and test his blood sugar, and he couldn’t stand how his pump itched and came unstuck during yoga.
The Artificial Pancreas
Source: Loop Docs
Working evenings, weekends, and vacations for five years, West reverse-engineered the pump’s communications code, making it possible to send the device instructions. During that time, a group of DIYers calling themselves Nightscout figured out how to relay data from glucose monitors to a smartphone or watch, so parents could monitor kids’ blood sugar levels remotely. Theirs were the instructions Kate Farnsworth followed to build a homemade wireless link for Sydney’s glucose monitor and do the coding needed to create a custom display for the Pebble, an early smartwatch. Kate could then watch Sydney’s blood sugar move on her watch in real time during the day, texting her daughter if she saw any irregularities. And Sydney could watch her blood sugar move without drawing attention to herself in class.
In June 2014, West met Seattle couple Dana Lewis and Scott Leibrand, who had written an algorithm that could suggest insulin doses. The next step, they decided, was to automate the insulin pump using software. The three traded ideas on GitHub and at the Twitter office where Leibrand worked. By December, Lewis, who has diabetes, had hooked up her new artificial pancreas. At first, she intended to use it only while she slept, but it left her so well-rested that she kept it on during the day. “It has constantly surpassed my expectations,” she says.
West, Lewis, and Leibrand posted their work in early 2015. It was intimidating for nonprogrammers such as Kate Farnsworth to try to replicate, but when DIY coder Nate Racklyeft created Loop, a more user-friendly version for the iPhone, Farnsworth decided to try it out. Yet another DIYer gave her an old, hackable Medtronic pump, which she connected to a glucose monitor and the app using a tiny Bluetooth-equipped computer called a RileyLink. It was designed by Minnesotan DIYer Pete Schwamb, whose daughter, Riley, has diabetes.
In 2016, with the components spread out on the desk in her home office, Farnsworth decided to test the system with water and without Sydney, by then 13, attached. She filled the pump and aimed its tube into a napkin, watching it spit out tiny jets of faux insulin as the app showed her daughter’s blood sugar rise and fall. “I could see the logic of it,” she says. After two days, she was satisfied everything worked properly, and on a weekend when the family had no other plans, they tried it out for real. “That was the first night I slept through the night in years,” she says.
Kate applies the glucose monitor to Sydney.
Photographer: Mark Sommerfeld for Bloomberg Businessweek
Farnsworth set up a Facebook group called Looped to help other parents follow her lead. Today it has more than 4,000 members, and Farnsworth spends several hours a day answering messages from curious parents. “They know their kids the best,” she says, “and sometimes technology or medicine is slower and doesn’t know what we need as much as we do.” Loop volunteers have shipped about 2,000 RileyLinks, built by a Kentucky company that mostly makes parts for electric guitars, as far away as China and Sierra Leone.
Nightscout, the DIY group, has grown from five families in April 2014 to some 55,000 people in 33 countries. A European team recently created an app for Android phones and cracked the code in a popular pump from Roche Holding AG. About 50 people signed up for the Android system last month, says developer Milos Kozak.
On a warm weekend in late May, Kozak hosted about 20 DIYers from around Europe in Prague. Accustomed to conversing via Gitter, a chat platform for open-source coders, it was the first time many had met in person. The youngest of the group was 15-year-old Tebbe Ubben, who’d helped build his own artificial pancreas and had traveled by train from rural Germany. “If I can showcase something that results in a manufactured product changing, that’s exactly what I want,” says Jon Hudson, a U.K. software engineer who helped Ubben with his rig.
At least one big device maker has given up on the artificial pancreas. Johnson & Johnson shut down its project last year, saying it could no longer charge enough for its hardware to make further research and development worth its while. Despite shrinking profit margins, however, the DIY projects have helped stir industry … [more]
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august 2018 by neerajsinghvns
These 5 tech stocks are in a dot-com-like bubble (and they aren’t all FAANGs) - MarketWatch
These 5 tech stocks are in a dot-com-like bubble (and they aren’t all FAANGs)
Getty Images
Spot the micro bubbles.
Although the overall stock market looks reasonably valued, there are pockets of extraordinary risk where stocks with 2000-bubble-like valuations lurk.
Specifically, there is a “micro bubble” in certain tech stocks, where valuations reflect expectations for future cash flows that would require unrealistically high margins, growth, and market share. These expectations might not be so “bubbly” if not for the fact that the current margins and cash flows of these companies have trended at very low or negative levels for years.
5 tech stocks in a micro bubble
Figure 1 lists the five tech stocks we put in our first micro bubble. They share a few key characteristics:
• Low or negative return on invested capital (ROIC) and free cash flow
• Unrealistically high valuations: all 10 companies either have negative economic book values, or they have a PEBV above 20
• Expectations that they achieve heretofore unseen dominant market shares
These are five of the largest micro-bubble companies. Briefly, here’s what makes each of these companies part of the micro-bubble.
Amazon
Fun fact: Amazon’s AMZN, +0.20% $885 billion market cap is higher than Walmart WMT, +0.45% Home Depot HD, +0.69% Oracle ORCL, -0.39% and Disney DIS, +0.53% combined. Investors are betting that Amazon can grow to dominate multiple industries while earning significantly higher margins than it does now.
Amazon has finally shown an ability to earn a profit, but it still must grow net operating profit after tax (NOPAT) by 30% compounded annually for 19 years to justify its current valuation. See the math behind this dynamic DCF scenario. For comparison, only six companies in the S&P 500 SPX, +0.28% managed to grow NOPAT by 30% compounded annually for just the past 10 years. Maintaining that growth rate for nearly double that time frame would be an extraordinary feat.
Amazon prefers to point investors to free cash flow, but its reported free cash flow numbers are an illusion. In reality, the company continues to experience significant cash outflows.
Investors who focus on understanding true cash flow and fundamentals know the disconnect between actual cash flow and the market’s expectations for future cash flows borders on the absurd.
Netflix
Netflix NFLX, +0.16% has become one of the leading creators of original content, but it’s done so with an unsustainable cost structure. As this excellent video from The Ringer explains, Netflix earns an accounting profit, but only because its reported content costs understate its actual content spending by about 50%. The company continues to lose billions of dollars a year and grows increasingly dependent on the high-yield debt market.
Felix Salmon of Slate recently published a piece titled “Netflix Can Either Become the Dominant Media Monopoly of the 21st Century or Go Bust.” The market values Netflix as if it will be that dominant monopoly when, frankly, there’s a very good chance it goes bust. Risk/reward for this stock is so bad that no investor with any respect for fundamentals can own this stock in good conscience.
Salesforce.com
Salesforce CRM, +1.21% has racked up losses for years while pursuing growth at any cost. The theory behind this strategy is that the company will eventually be able to cut back heavily on its marketing and R&D costs while maintaining its recurring revenue stream.
Even if this strategy does work, which is far from certain, the company is currently valued at 10 times revenue, or double the valuation of Oracle. This hasn’t dissuaded bulls, as Salesforce generates classic tech bubble-style headlines like “Ignore Salesforce’s Valuation.” In other words, they want investors to ignore fundamentals.
Tesla
Tesla TSLA, -1.09% currently has a higher market cap than GM GM, -0.05% despite selling about 1% as many cars in 2017. What’s more, GM is already ahead of Tesla in self-driving technology and rapidly catching up when it comes to electric vehicle production.
Elon Musk keeps promising that Tesla will revolutionize the auto industry, but so far Tesla hasn’t shown an ability to navigate the manufacturing logistics that the established auto makers figured out decades ago. The company’s valuation is blind to fundamentals and seems entirely focused on the cult of personality that has built up around Musk.
Read: Tesla confirms intention to go private, sending stock up 11%
Spotify
Spotify Technology SPOT, -0.24% wants to disrupt the music industry, but so far it remains beholden to the Big Three record labels that own 85% of the music streamed on its platform. The market thinks of Spotify as a trendy tech company, but as we wrote in our report on the stock, the economics of its business are more similar to the movie theater industry.
Spotify’s leverage against the record labels is further weakened by the rapid growth of competitors like Apple Music AAPL, -0.08% It’s hard to see how Spotify can justify the growth expectations implied by its valuation unless it could pull off the unlikely feat of taking over ownership of its content from the labels while holding off competition from other streaming services (all without having to overspend like Netflix has).
Again, we see a company where the valuation reflects the best-case scenario with little to no tether to fundamentals.
How to bet against the micro bubble
Investors that want to bet against these micro-bubble stocks can short them directly, but that can be expensive and risky for these momentum-driven companies. As the saying goes, the market can stay irrational longer than you can stay solvent.
Another way to profit from the busting of this micro bubble is to invest in the incumbents from which these companies must take major chunks of market share. When these micro-bubble stocks fall back to earth, a great deal of capital should be reallocated to the incumbents.
Macro bubbles vs. micro bubbles
Today’s market has some micro bubbles, or smaller groups of overhyped stocks trading at ridiculous valuations.That makes it very different from the tech bubble, which was a macro bubble, a marketwide phenomenon that distorted the valuation of the entire market.
A few new features are shaping the market now and explain why today’s bubbles are unlikely to spread to the entire market, at least for the foreseeable future:
• Politicians and policy makers are focused on preventing macro market crashes. Today’s politicians and policy makers are heavily shaped by both the housing bubble of the mid-2000s and the tech bubble of the late 1990s. They will likely do everything in their power to prevent recurrence of such cataclysmic events on their watch.
• Rising influence of noise traders. Noise traders, who make investment decisions based on noise and have no regard for fundamentals, are an increasingly influential force in today’s market. Roughly a quarter of all U.S. adults with internet access are retail online traders. That’s around 50 million investors who don’t have professional trading (much less investing) experience and might be more susceptible to buying into “story” stocks without understanding the fundamentals. There’s power in those numbers.
• Overhyping “transformative” technology. The splintering of online media has led journalists to overhype nearly every new technology and trend in a relentless competition for clicks. For example, despite the “Retail Apocalypse” narrative, brick-and-mortar sales still account for 90% of retail sales, and Walmart earned nearly three times more revenue than Amazon last year. In reality, very few new technologies are as transformative as we like to imagine.
• Value transfer vs. value creation. Too many investors overestimate the value-creation opportunities for new technologies. Even when technologies are transformative, predicting who will reap the benefits of these technologies is difficult. Often, most of the value accrues to end users/consumers and not corporations. When it does accrue to a company, it’s usually at the expense of another company. During the tech bubble, bulls believed the internet would make our economy radically more productive and allow the GDP growth rate of around 5% in the late 90’s to persist for many years. When this utopian future failed to materialize, the market collapsed. By contrast, today’s micro-bubble companies compete against firmly established incumbents from which they must take large chunks of market share to survive. Instead of adding value, these companies aim to take value from existing players. Even if they succeed, we think much of that value will eventually pass to consumers.
This last point is key. In 1999, investors gave Microsoft MSFT, -0.10% its absurdly high valuation because they believed its software would create enormous amounts of value and growth for thousands of other companies. On the other hand, Tesla’s sky-high valuation implies it will take market share away from General Motors and Ford F, +0.50% which decreases the valuation of those companies.
These modern-day micro bubbles reflect the zero-sum nature of today’s crowded and more mature competitive landscapes.
Why we’re not in a macro bubble
Figure 2 sums up the difference between the tech bubble and today’s market pretty clearly. It shows the price to economic book value (PEBV) of the largest 1,000 U.S. stocks by market cap going back to 2000. PEBV compares the current valuation of a company compared to the zero-growth value of its cash flows, i.e. NOPAT, so a higher PEBV means the market expects more future cash flow growth.
While the market’s PEBV has more than doubled since 2012, from 0.7 to 1.5, it’s nowhere close to its tech bubble level of 5.7.
There are definitely some outrageously valued companies out there, but those high valuations … [more]
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august 2018 by neerajsinghvns
Fwd: How to make your iPhone videos look like Hollywood movies
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august 2018 by neerajsinghvns
Google Maps popular times shows you wait times
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august 2018 by neerajsinghvns
TOTO Washlet: Meet the TOTO WASHLET ; competitor bidet
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august 2018 by neerajsinghvns
How to Install a Safety Grab Bar with the World's Strongest Fastener - YouTube
https://www.youtube.com/watch?v=AA-Bue7zrQ8 ;;;
tags: How to Install a Safety Grab Bar with the World's Strongest Fastener - YouTube | bathRoom ;;;
How  to  Install  a  Safety  Grab  Bar  with  the  World's  Strongest  Fastener  -  YouTube  |  bathRoom  room#5 
august 2018 by neerajsinghvns
10 Reasons Why I'm Selling All of My Apple Stock
10 Reasons Why I'm Selling All of My Apple Stock
This Fool thinks it is finally time to cash out on one of his biggest winners of all time.
Brian Feroldi
I've been an Apple (NASDAQ:AAPL) fanboy for nearly two decades, so this is a bittersweet article for me to write. In my house, you'll find two iPhones, three iPads, an Apple Watch, an Apple TV, and an iMac. My three young children literally have no clue how to use Microsoft Windows.
My love affair with Apple's products convinced me to become a shareholder in February of 2010. I made several more purchases in the ensuing years. My average cost basis is about $35 per share. With the stock currently hovering around $193, buying and holding Apple ranks as one of the smartest financial decisions that I've ever made.
And yet, despite my long-term devotion to Apple's products and stock, I've concluded that it's finally time for me to move on. Here are 10 reasons why I've decided to cash in all of my chips.
Image source: Apple.
1. The megacap multiplier obstacle
Apple's market cap is $949 billion as I type this. That makes it the most valuable publicly traded company in the world. Long-term shareholders like me have already won big by owning this stock.
The downside to Apple's gargantuan size is that it's going to be extremely difficult for the stock to produce multibagger returns from here. Fool co-founder David Gardner coined the term "the megacap multiplier obstacle" to describe this principle many years ago. The idea is that it becomes harder and harder for a company to double in value as it increases in size.
Consider this: Even after factoring in hundreds of billions in additional stock buybacks, Apple's market cap would probably have to reach $1.7 trillion or so for the stock to double from here.
2. My upgrade cycle has been getting longer
I vividly remember buying my first iPhone. I happily switched from a BlackBerry Storm -- which was a piece of junk -- the day that the iPhone became available on Verizon Communications' network.
Switching was an amazing experience. The iPhone was fast, intuitive, and extremely useful. I was so happy with my decision that I convinced my wife to become an iPhone user soon after.
We both happily jumped on the iPhone upgrade cycle. We were happy to pay up to get our hands on the latest iPhone as soon as we qualified for an upgrade.
Unfortunately, the charm has worn off. We eventually realized that we use our iPhones primarily for text messaging, taking pictures, browsing the web, posting to Facebook, and listening to podcasts. Our current iPhone 6s handles all of these tasks just as well as a brand-new iPhone X. Paying hundreds to upgrade every two years now just seems like a waste of money.
It's a similar story for our other Apple products. Our iPads, Apple TV, and iMac were all purchased years ago and continue to function flawlessly.
Our revised upgrade strategy is to buy used Apple products that are at least two generations old off of sites like eBay, glyde.com, or gazelle.com. Aside from a few small hardware differences, we can barely tell the difference between these new-to-us models and our old products. They are functionally identical.
I have no doubt that millions of other loyal Apple users have reached the same conclusion. If my assumption is true, then it will act as a major drag on unit sales volume growth for many years to come. That's a big problem since the vast majority of Apple's revenue is generated from the sale of brand-new products.
3. Average selling prices on iPhones could be peaking
While Apple's portfolio has become more diversified over time, the iPhone still accounts for more than 60% of total revenue. That means that top-line growth will be driven by two primary levers for the foreseeable future: iPhone unit volumes and average selling price.
I have a hard time seeing the company producing meaningful unit volume growth from here. The company sold 217 million iPhones in the last 12 months. Since there are only so many consumers around the world that can afford to buy a brand-new iPhone in any given year, moving this number higher is going to be very challenging. That's especially true since Mary Meeker's must-read 2018 Internet Trends report just showed that worldwide smartphone shipment volumes were flat in 2017.
This likely means that Apple's most important lever for driving iPhone revenue growth is the average selling price. On this front the company is currently doing phenomenally well. Last quarter Apple reported unit volume growth of just 3%, but total iPhone revenue actually grew by 14%. The big difference between those two numbers is largely owed to surging average selling prices thanks to the recent launch of the ultra-premium iPhone X.
This leads to the question: Will Apple still be able to sell enough ultra-premium iPhones to keep its average selling price so high? It's possible, but I think that skepticism is warranted since iPhone X demand appears to be weaker than the company was expecting.
If iPhone average selling prices do flatline (or fall) and unit volume growth stalls, then Apple is going to struggle to move its top line higher.
4. The repatriation tax catalyst is over
Apple bulls have been pointing to the company's massive overseas cash hoard for years as a potential catalyst. The idea was that Congress would eventually change its repatriation tax policy that kept the vast majority of Apple's cash trapped overseas. Once the law was changed, Apple would be finally able to use its mountain of cash to reward shareholders.
Well, now that the lower repatriation rate has been announced, Apple CFO Luca Maestri recently said that the company's goal is to become cash neutral over time. Getting there will require spending hundreds of billions on buybacks, which is great news for shareholders.
However, since this news is so well known, I think it is reasonable to assume that this catalyst has already been priced in.
5. Apple is behind in the home-speaker market
While Apple has a history of slowly entering new markets -- there were plenty of other smartphones, tablets, and smartwatches available before the iPhone, iPad, and Apple Watch were introduced -- I think there are reasons to worry that Apple won't be successful with its delayed entry into the home-speaker market. This market is already flooded with popular products made by Amazon (NASDAQ: AMZN) and Alphabet (NASDAQ: GOOG)(NASDAQ: GOOGL). These companies sell a range of cheap products that are supported by vast ecosystems that make them highly attractive to consumers.
Will the superior sound quality of the HomePod prove to be enough to convince consumers to pay a big premium to own it instead of the current market-leading devices? While that can't be ruled out, the early signs are not very encouraging.
6. The Buffett bump
Warren Buffett recently took investors by surprise when SEC filings showed that his Berkshire Hathaway he had been buying Apple's stock hand over fist. In fact, it's bought so much Apple stock that it has officially overtaken Wells Fargo as Berkshire Hathaway's largest publicly traded stock position.
While it is great to see such a huge vote of confidence from Buffett, I think that his interest in the stock is at least partially responsible for Apple's recent P/E ratio expansion to a five-year high.
AAPL PE Ratio (TTM) data by YCharts.
Will Buffett's blessing allow Apple to sustain its higher valuation in the years ahead? It's possible, but that theory didn't hold up when Buffett took a meaningful position in IBM a few years ago.
7. Apple deserves to trade at a below-market multiple
Apple bulls will point out that even after the recent run, shares trade for "only" 18 times trailing earnings. That seems to be low when considering that the average company in the S&P 500 currently trades for about 25 times trailing earnings. The mismatch makes no sense to many investors since Apple is clearly a better company than the average business.
For the longest time, I couldn't figure out why the market wouldn't award Apple an above-average multiple either. However, I've since changed my tune and now fully agree that Apple deserves to trade at a below-market multiple.
Why? The reason is that Apple is a tech hardware company at its core. The vast majority of the company's revenue and profits are made from selling brand-new iPhones, iPads, iMacs, and other electronic products. This means Apple has to continually refresh its product lines with brand-new features that continually convince customers to stay loyal and upgrade. If new products fail to capture the public's attention -- or even just don't sell as well as a previous model -- then Apple's revenue and profits would fall hard.
Thus far Apple hasn't had any problems convincing millions of customers to buy its new products in droves as soon as they come out. But will this still ring true three, five, or 10 years from now? That's awfully hard to say since the tech world moves fast.
This omnipresent uncertainty is likely to be a major reason why Wall Street consistently keeps Apple's P/E ratio so low. Since this situation won't change anytime soon, I have a hard time believing that Apple's current P/E ratio of 18 means that its stock is "cheap." In fact, I think there's an argument to be made that today's valuation is actually quite generous, especially when compared to what this company's P/E ratio has been over the last five years.
8. Dividends and buybacks don't excite me
There's no doubt that Apple has become one of the most shareholder-friendly companies in the world since Tim Cook became CEO. Under his watch, Apple has spent hundreds of billions of dollars on stock buybacks and dividends
I love dividends and stock buybacks as much as the next investor, but I have a hard time getting excited about owning a business that relies heavily on financial engineering to drive earnings growth.
9. I've got plenty of other FAANG exposure
FAANG is an investing acronym that stands for Facebook, Amazon, Apple, Netflix, and Google (Alphabet). These super-high-quality tech … [more]
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july 2018 by neerajsinghvns
Apple and FANG could lose a third of value, market watcher warns
Apple and the FANG stocks could lose at least a third of value, market watcher warns
Keris Lahiff
Wall Street's crown jewels, the FAANG stocks, have lost their shine lately.
Facebook, Apple, Amazon, Netflix and Google parent Alphabet are selling off again Monday after losing a combined $185 billion over the previous two sessions.
Ahead of Apple earnings scheduled for Tuesday evening, Larry McDonald, editor of the Bear Traps Report, warns to stay away from what has been one of the hottest areas of the market this year.
"These are stocks you want to run away from," McDonald told CNBC's "Trading Nation" on Friday. "I see potentially 30 percent to 40 percent downside on the FAANGs."
A 30 percent decline would turn Apple and Alphabet lower for the year. Facebook is already negative for 2018 and currently trading in a bear market having fallen more than 20 percent from its 52-week high.
Netflix is close to a bear market, but would still be positive for the year if it fell 30 percent from current levels. Amazon would also remain higher for 2018, but would be pulled into a bear market.
McDonald sees a brewing crisis in passive investing, a method where capital is placed in market-weighted indexes over individual stock picks. The FAANG names make up a large portion of a number of popular indexes.
"About $6 trillion has come into passive management in recent, say, last five to 10 years, and all of that money has to go into the FAANG stocks," said McDonald.
Apple is the largest holding in the SPY S&P 500 ETF with a 4 percent weighting. Alphabet and Facebook make up a combined 5 percent, while Amazon makes up 3 percent. Apple, Amazon, Alphabet, Facebook and Netflix made up nearly 40 percent of the QQQ Trust.
McDonald's call on Apple is a contrarian one. Bill Baruch, president of Blue Line Futures, is bullish on the iPhone maker, alongside the majority of Wall Street analysts.
"Apple will be a buy at about $189 to $190.25. That's where I think you've got to step in and look to be buying that," Baruch said Friday on "Trading Nation." "I think we'll find Apple higher than this by the end of the year."
Sell-offs in Apple over the last two days have put the shares within Baruch's range. By midday Monday, it was trading at $189.90 a share.
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july 2018 by neerajsinghvns
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How to Carry Building Materials with Your Car
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july 2018 by neerajsinghvns
YouTube
https://m.youtube.com/watch?v=8J986uRQFTI ;;;
tags: dust collection deputy HowTo build modify modification needsEditing questionable the offCut combined combination of trash can and shopVac vacuum cleaner thienBaffle thien baffle ;;;
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july 2018 by neerajsinghvns
Awesome Modern Machines Equipment Technology In The World Compilation #HD720p - YouTube
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Awesome Modern Machines Equipment Technology In The World Compilation #HD720p - YouTube ;;;
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Awesome  Modern  Machines  Equipment  Technology  In  The  World  Compilation  #HD720p  -  YouTube  |  video  railway  repair  maintenance  work  atul 
june 2018 by neerajsinghvns
(26) How to Program the Maestro Motion Sensor Light Switch -- by Home Repair Tutor - YouTube
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tags: How to Program the Maestro Motion Sensor Light Switch -- by Home Repair Tutor - YouTube | video Lutron ;;;
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june 2018 by neerajsinghvns
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How to Make a Simple Drill Press Table
The Average Craftsman

0
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may 2018 by neerajsinghvns
YouTube
Round bar centre finder | drill the centre of round bar
Ultimate Handyman
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may 2018 by neerajsinghvns
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