A.J

UTCT 2024 100 MILE FINISHER 44H07M Psalm 23:4 (KIA KAHA)🙏🏽🙏🏼

[A.J @Lashard28]

The 1st of September is the start of a new season, and it is the birthday of my Angel.
What a blessing God gave me.

[FITNESS WORLD💪✌ @tips700]

Abd workout at home 🔥🔥

[Metropol Haber @metropolmedya_]

Bir sporcu, bel bölgesindeki yağlardan kıs bir zamanda kurtulmanın yöntemini gösterdi:

[Alex Recouso @recouso]

Americans as soon as they arrive to a coffee shop in Europe

[Fitness Workout @Fitnesswork_out]

Unlock your AB workout..

[Fitness Hub @FitHubHQ_]

Workout To Burn Belly Fat💯

[Wellness wins @Bro_Code_x]

Did you know these amazing hacks?

[Fitness & Self Defence Club @Selfdefencess]

5 Kegel exercises to strengthen your pelvic floor muscles.

[WTF @mrwtffacts]

In the UK, Millie Taplin was attending her first nightclub on her 18th birthday when she was handed a drink by a stranger. The stranger handed her a vodka lemonade “Try this”

Millie took a sip.

Seconds later, her face went numb, her fingers curled into claws and her entire body stiffened like she was possessed.

She stayed fully conscious, trapped inside herself, writhing in agony and screaming in her head that she couldn’t move her body.

Rushed to hospital, doctors said she was likely dosed with two unknown drugs: one to paralyse her, one to knock her out. Tests couldn’t identify the substance.

Her mother later released footage as a warning: never accept a drink from stranger.

[David (TalkingCents) @talkcentss]

Enoch Godongwana;

“𝗡𝗦𝗙𝗔𝗦 𝗶𝘀 𝘀𝘂𝗽𝗽𝗼𝘀𝗲 𝘁𝗼 𝗯𝗲 𝗽𝗮𝘆𝗶𝗻𝗴 𝘂𝗻𝗶𝘃𝗲𝗿𝘀𝗶𝘁𝗶𝗲𝘀 𝗳𝗼𝗿 𝘀𝘁𝘂𝗱𝗲𝗻𝘁 𝗮𝗰𝗰𝗼𝗺𝗺𝗼𝗱𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗲𝗹𝘀𝗲,

𝗯𝘂𝘁 𝗶𝗻𝘀𝘁𝗲𝗮𝗱 𝘁𝗵𝗲𝘆 𝗵𝗮𝘃𝗲 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗱 𝟯 𝗼𝘁𝗵𝗲𝗿 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿𝘀 𝘁𝗼 𝗽𝗿𝗼𝘃𝗶𝗱𝗲 𝘁𝗵𝗲 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝘁𝗵𝗲𝘆 𝘄𝗲𝗿𝗲 𝗰𝗿𝗲𝗮𝘁𝗲𝗱 𝘁𝗼 𝗱𝗼”

My Viewpoint:

Every extra layer doing the same job just drives up costs without making anything better.

When these middlemen just repeat the work that NSFAS was created to do, money gets wasted instead of going to students.

Finally,

These unnecessary layers should be removed so the funds can go directly where they are actually needed, and all redundancies entrenched in bureaucracy like this should be identified and then voided.

[Insane Clips @StreetFightsHQ]

Man demonstrates how to do the Crip Walk ♿️🚶🏾

[PowerBruteHQ - Fitness | Strength | Longevity @PowerBruteHQ]

Gym Vs Home

[Learn Something @cooltechtipz]

How to clear all the cache on a PC.

[One Piece Defender ◍ @OnePieceDefend]

One Piece season 1 ends after 1155 episodes. Here's one second from each episode until Gear 5.

[The Market Mind @Market_Mind_]

SWOT Analysis

[David (TalkingCents) @talkcentss]

Converted to Rand

💰Poor = 𝗥𝟮𝟱,𝟱𝟬𝟬
💰 Low income = 𝗥𝟱𝟭,𝟬𝟬𝟬
💰 Stably paid = 𝗥𝟳𝟲,𝟱𝟬𝟬
💰 Middle class = 𝗥𝟭𝟬𝟮,𝟬𝟬𝟬
💰 Comfortable = R153,000
💰 Upper middle = R204,000
💰 Wealthy = R425,000
💰 Rich = R1.3 million

Realities are completely different.

[Bojan Radojicic @BojanRadojici10]

Red flags across financial statements ⚠️ ❗ help you identify potential risks for your business or investments.

❗𝗜𝗡𝗖𝗢𝗠𝗘 𝗦𝗧𝗔𝗧𝗘𝗠𝗘𝗡𝗧 ❗

𝗚𝗿𝗼𝘀𝘀 𝗠𝗮𝗿𝗴𝗶𝗻 < 𝟭𝟬%
Low gross margin can indicate issues with cost control or pricing strategies.

𝗥𝗲𝘃𝗲𝗻𝘂𝗲 𝗚𝗿𝗼𝘄𝘁𝗵 𝗥𝗮𝘁𝗲 < 𝟮%
Slow revenue growth might suggest a lack of market demand or competitive weaknesses.

𝗡𝗲𝘁 𝗣𝗿𝗼𝗳𝗶𝘁 𝗟𝗼𝘄𝗲𝗿 𝘁𝗵𝗮𝗻 𝗖𝗮𝘀𝗵 𝗙𝗿𝗼𝗺 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀
This disparity can signal potential earnings manipulation or accounting anomalies.

𝗘𝗕𝗜𝗧𝗗𝗔 𝗠𝗮𝗿𝗴𝗶𝗻 < 𝟯%
A low EBITDA margin highlights poor operational efficiency and profitability.

𝗡𝗲𝘁 𝗠𝗮𝗿𝗴𝗶𝗻 < 𝟭%
Minimal net margin suggests the company is barely profitable.

𝗗𝗶𝗿𝗲𝗰𝘁 𝗖𝗼𝘀𝘁𝘀 𝗥𝗶𝘀𝗶𝗻𝗴 𝗙𝗮𝘀𝘁𝗲𝗿 𝘁𝗵𝗮𝗻 𝗦𝗮𝗹𝗲𝘀
When direct costs outpace sales growth, it indicates diminishing profitability.

𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗥𝗮𝘁𝗶𝗼 < 𝟭.𝟱
This suggests the company may struggle to meet its interest obligations.

❗𝗕𝗔𝗟𝗔𝗡𝗖𝗘 𝗦𝗛𝗘𝗘𝗧 ❗

𝗚𝗼𝗼𝗱𝘄𝗶𝗹𝗹 𝗶𝗻 𝗔𝘀𝘀𝗲𝘁𝘀 > 𝟯𝟬%
High goodwill may indicate overpaid acquisitions or intangible assets that might be impaired.

𝗗𝗲𝗯𝘁 𝘁𝗼 𝗘𝗾𝘂𝗶𝘁𝘆 𝗥𝗮𝘁𝗶𝗼 > 𝟰
A high ratio points to excessive leverage and potential solvency risks.

𝗥𝗲𝗰𝗲𝗶𝘃𝗮𝗯𝗹𝗲𝘀 𝗥𝗶𝘀𝗶𝗻𝗴 𝗙𝗮𝘀𝘁𝗲𝗿 𝘁𝗵𝗮𝗻 𝗦𝗮𝗹𝗲𝘀
This could suggest issues with collections or deteriorating credit quality.

𝗜𝗻𝘃𝗲𝗻𝘁𝗼𝗿𝘆 𝗥𝗶𝘀𝗶𝗻𝗴 𝗙𝗮𝘀𝘁𝗲𝗿 𝘁𝗵𝗮𝗻 𝗣𝗿𝗼𝗳𝗶𝘁𝘀
Growing inventory levels relative to profits can indicate overstocking or slowing sales.

𝗔𝘀𝘀𝗲𝘁 𝗧𝘂𝗿𝗻𝗼𝘃𝗲𝗿 𝗥𝗮𝘁𝗶𝗼 < 𝟬.𝟱
Low asset turnover shows inefficient use of assets to generate sales.

𝗤𝘂𝗶𝗰𝗸 𝗥𝗮𝘁𝗶𝗼 < 𝟬.𝟯
A low quick ratio indicates poor short-term financial health.

❗𝗖𝗔𝗦𝗛 𝗙𝗟𝗢𝗪 𝗦𝗧𝗔𝗧𝗘𝗠𝗘𝗡𝗧 ❗

𝗦𝘁𝗼𝗰𝗸-𝗯𝗮𝘀𝗲𝗱 𝗖𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗡𝗲𝘁 𝗜𝗻𝗰𝗼𝗺𝗲 > 𝟮𝟬%
High stock-based compensation can dilute shareholder value and indicate potential cash flow problems.

𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗘𝘅𝗽𝗲𝗻𝗱𝗶𝘁𝘂𝗿𝗲𝘀 𝗼𝗳 𝗡𝗲𝘁 𝗜𝗻𝗰𝗼𝗺𝗲 > 𝟰𝟬%
Excessive capital expenditures relative to net income can strain financial resources.

𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝘁𝗼 𝗗𝗲𝗯𝘁 < 𝟬.𝟭
Low cash flow relative to debt highlights potential solvency issues.

𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝘁𝗼 𝗦𝗮𝗹𝗲𝘀 < 𝟱%
A low ratio suggests inefficient conversion of sales into cash.

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[The Investing for Beginners Podcast @IFB_podcast]

Financial Statements 101

To buy stocks we need to understand the building blocks of analysis.

The big 3 of financial statements:

- Income statement
- Balance sheet
- Cash flow statement

[Compounding Dividends @CompoundingW]

Cost Vs Expense

[Always Keep Learning @AlwaysKeepL]

Authentic Leadership

[Knowledge & History @xKnowledgeBANK]

Car maintenance schedule you should follow