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Aritzia - The next Lulu (Due Dilligence)

Aritzia - The next Lulu (Due Dilligence)
Hi Canadian friends, I posted the below DD on Artizia on WSB yesterday evening and thought I should share here as well, I have reformatted it slightly to conform to the rules of this sub.
Aritzia - What is it?
A Canadian semi-luxury fashion house and clothing company based out of BC that operates 94 stores in North America (predominantly in Canada, but with about 20 stores in the USA).
The company predominantly sells in-house brands (Babaton, Wilfred, etc.) but also stocks clothing/accessories from the likes of Levi's and Herschel among others. Aritzia has had an amazing success over the last few years, growing organic same store sales in the past 19 consecutive quarters, and posting a double-digit EBITDA and top-line sales CAGR since 2016 when the company went public.
The stock (ATZ.TO on the TSX) traded for an ATH of $26.12 shortly before the Feb crash and is currently sitting at $14.60 as of Friday's close.
Why is ATZ the next Lulu?
Aritzia first caught my attention from the countless packages that were being delivered to my upstairs neighbors (3 late-20s females), as well as from the various Tiktoks and Instagram haul stories that I had seen over the past few weeks. I was curious, could a clothing company that operates brick and mortar locations be doing well during quarantine? The answer is yes, and not only are they surviving the quarantine, but they are THRIVING.
Aritzia has one of the best-in-class E-commerce platforms of any retail clothing manufacturer in North America, let alone Canada. Their 2020 target was for 25% of all sales to be digital, I am sure that they have far exceeded that threshold so far this year. The company views their brick-and-mortar stores as showrooms for their product, but ultimately is focused on an omni-channel sales strategy. Customers are used to shopping both on-line and in-store and their tech-savvy target clientele of women aged 19-35 are the prime audience to be spending their CERB and Trump Bux on the latest line of summer lounge and athletic wear for at-home delivery.
Aritzia's most popular market is BC, where recently CoVID restrictions have been lessened, and Aritzia stores have started reopening. The company has a well-thought-out approach on how to maintain customer safety for the remainder of the crisis which can be found here:
https://business.financialpost.com/news/retail-marketing/sorry-maam-that-dress-is-in-quarantine-how-clothing-stores-are-prepping-for-a-strange-new-reality
Given their track-record of growth, the re-opening of their key markets, and their best in class E-commerce and social media marketing, I think that ATZ is a slam-dunk to become the Lulu in the coming weeks/months.
Grass roots due-diligence
Customer Surveys:
I asked over 20 females of varying ages, cultural backgrounds, locations in Canada, and levels of economic status a few key questions about Aritizia.
  • What is your opinion of Aritzia as a brand?
    • Unanimously, the feedback was positive. Respondents noted that they predominantly switched from fast-fashion brands such as Zara to shopping at Aritzia because their styles are more timeless and were of high-quality materials. They also cared a lot about the company's sustainable fashion mindset, and the various community donation and social cause campaigns that are frequently at the forefront of Artizia's media presence
    • To gauge the response from non-Canadian residents on how Aritizia is performing in the US I reached out to a number of Americans (predominantly in California and Texas), the response there was mixed, most had heard of the brand (impressive given its retail footprint of 20 stores) but most had not shopped there recently. Nevertheless, it gives long-term support on the brands growing awareness in the US, which is one of the company's next big bets.
    • Below is a response from a BC resident (early 20s, white) on why she shops online at Aritzia:

https://preview.redd.it/adxto0p6orz41.png?width=1085&format=png&auto=webp&s=aedc795eef9f2ee1459159de687fbea9945f17ce
  • Have you or your friends shopped more online at Aritzia than you did prior to the CoVID crisis? If so, why did you do so?
    • Almost unanimously, respondents claimed to have shopped online at Aritzia more during the quarantine than prior, mostly because of the style of clothing that Aritzia specializes in (lounge and athletic wear... do we want to guess why Lulu is doing so well?) but also because of an overall desire to engage in retail therapy. Many noted that although online spending increased at Aritzia, it did not for other products (with the notable exception of Sephora).
    • The below response from one of my co-workers (mid-20s affluent white Canadian) is not unique in its description of the level of online shopping going on right now at Aritzia:

https://preview.redd.it/w7fn92i8orz41.png?width=1033&format=png&auto=webp&s=c5f8a9ad708ef3cc4b87c22a486c3264eec9ea93
  • Have you experienced any stock-outs on products online? And if so, are they back in stock quickly?
    • This question was asked to assess if there are any supply chain constraints in Aritzia's ability to service the high level of demand
    • Respondents claimed that while some products were unavailable, it was only due to them being on pre-order (ie. not released yet). This leads me to believe that if Aritzia does have inventory issues, they are not widespread and they are able to disguise them well as pre-orders potentially further increasing hype
Other Grass Roots DD:
As stated earlier, the majority of Aritizia's sales occur in the province of Brittish Columbia, where most of their retail stores are located (approx 20% of the system). BC was one of the early provinces hit by CoVID and only saw 2400 cases in relation to Canada's 78,000 (3.1% of cases for 14.3% of the population).
I wanted to ensure that what I was hearing from my social circle, was accurately being represented by actual deliveries in the market they are most highly penetrated in. I was able to get in contact with a Fedex driver that works in Surrey BC, he was able to back up the previous survey statements by saying that almost 1 in every 2 packages of clothing he delivered over the last 2 weeks was Aritizia, and that was not the case prior to CoVID. Unfortunately this is a sample size of 1, and represents a very small area of their operations, but nevertheless, it does help to strengthen my thesis.
To further support my research, the following was posted on their Twitter account on Friday, during an event they were hosting to sell Front-line worker themed merchandise:
https://preview.redd.it/tnxwwlaaorz41.png?width=945&format=png&auto=webp&s=928c59e370b0b09822e3fe549eedf1dc0366a623
In summary, from the testimonials of Aritizia customers, the real world experience of a delivery driver in BC, and the company's own reports on their website traffic, the company is without a doubt seeing unprecedented online demand for their products.
Financials
Here is where the DD gets juicy as Aritzia has one of the cleanest and healthiest balance sheets I have ever seen.

https://preview.redd.it/jvgffd0corz41.png?width=972&format=png&auto=webp&s=97402dd7509564195517ec49ce1991cc777cc9ab
The first thing to point out is the companies healthy cash position, the entirety of Artizia's long-term debt is entirely covered by their current cash on-hand.
The other thing to note is the large change in lease liabilities and right-of-use assets from the same period last year. This is driven by an accounting treatment change whereby the entirety of the companies lease obligations over the committed term of their head-lease must be included as a liability on their balance sheet, with the offsetting right-of-use asset representing their remaining tenancy on their retail locations.
2 points here:
  1. the current portion of lease liabilities (C$58m) does not present as a cash-flow issue as almost all of the major commercial real-estate companies (Choice Properties, CT REIT, Rio Can, etc.) are all offering rent-deferral for commercial tenants over a 3-yr period. This coupled with their healthy cash position, the availability of a C$100m revolver, and their growing online sales, materially remove all liquidity risk in the near term
  2. Backing out leasehold obligations as they are not true-debt in the conventional sense, the company has a debt-to-EBITDA of >1.3x, which is below the retail industry average of 2.5x and a healthy debt-to-assets of ~0.3x
I wont go over any analysis of their earnings history and revenue growth as it is pretty self-explanatory, but here are the charts from their latest 10-k here:

https://preview.redd.it/q0s4phodorz41.png?width=448&format=png&auto=webp&s=a865c363acc77e01498c89df183a9c7195091cf7
https://preview.redd.it/3tsrmwteorz41.png?width=456&format=png&auto=webp&s=5f5b40f6dcb12b7e60392fbd98c5889e7bdeea8f
Conclusion
Aritizia is a healthy company with growing revenues and EBITDA that has managed to capitalize greatly on its E-commerce platform over the last few months. Currently the share price is trading at a point that hasn't been seen since June 2018. The outlook for the company is arguably stronger now than it was pre-crisis, as in addition to the points I covered above, many women's clothing retailers have declared bankruptcy leaving a bigger piece of the pie for the remaining incumbents.
The Aritzia earnings call is 5/28 but will only cover their Q4 which ended March 1st 2020, there will be no CoVID impact on these results; however, I still strongly believe that with strong FY20 guidance, the stock could recover back to its early-2020 levels. I recommend either longer term OTM calls with expiry in October in order to guarantee the impact from my grass-roots DD is priced in, or betting on the June expiry options in anticipation for strong guidance.
submitted by Neptonrs to CanadianInvestor [link] [comments]

July 2, 2020 - Market Analysis

Interesting day. We had Canada catching up to US names and then some extra movement due to buybacks, delay in drug trials, etc. Tomorrow NYSE closed so expect a lower volume, sideways day.
Intraday Analysis found here
If any are interested in getting a paid subscription for tradingview than you can use my link: https://www.tradingview.com/gopro/?share_your_love=dannymannyboy.
Markets
Chart Perspective – I’ll start with my PUT buy. July 10, $319 put for $5.70. Basically when we opened you had the hourly overbought and outside of the BB. You also had 4 hour outside of BB and lastly the daily approaching the top of the equilibrium. Add on US tech names also looking overbought and that is a bet I am willing to take.
Investor Perspective – Obviously looking bearish next week to maintain equilibrium.
Energy and Oil Companies - MEG Energy Corp, Crescent Point Energy, Cenovus Energy, CDN Natural Resources, Suncor Energy, Enbridge, Teck Resources Limited, Husky Energy, Vermilion
Chart Perspective – USOil back above $40. Looking at daily charts there is nothing that excites me. A lot of green but indecision candles. Those candles look like this where they close near where they opened and also have wicks on both ends. It’s one of those ‘I am not betting which way it goes tomorrow’ situations.
Investor Perspective – Mid term bear.
Gold Miners - Kirkland Lake Gold, Kinross Gold, Barrick Gold, Eldorado Gold, IAMGOLD, B2Gold, Yamana Gold, OceanGold.
Chart Perspective – Most red, couple green. End of the day sell on SPY pushed these down a little. That said, I honestly expected (still expect) more consolidation based on what I said earlier in the week about near the top of their BB. Still, the uptrend on the miners lookin good.
Investor Perspective – Mid-term bull.
Marijuana Stocks - Canopy, Aphria, Aurora, HEXO, Organigram. Cronos, and some US MSO’s.
Chart Perspective – Another nothing day. SPY up a bit, most names up a bit.
Investor Perspective – Mid-term bear, long term bull.
Banks - BMO, RBC, Scotiabank, CIBC, Manulife, TD
Chart Perspective – Banks are one of those names where you can really note when something is happening because most of the time, like today, it’s just tight and sideways.
Investor Perspective – Short term tied to market, mid term even/bear, long term bull.
REITS - Brookfield, Smartcentres, Riocan, HR Real Estate
Chart Perspective – As covered in my Intraday Analysis – BPY buying back stock at $12 USD. This caused the price to jump and as a result the whole sector was lifted. The question is, what is next? Short term, I don’t think the price of BPY deviates far from the $12 USD until the purchasing is complete. Most people will hold the stock expecting it to get to that price since that is what they are buying at. I think short term that makes this a bullish sector. Now, whether that continues mid-term is a different story.
Tech - SHOP, Lightspeed, Real, OpenText, Kinaxis, Microsoft, Google, Amazon, Apple, Facebook
Chart Perspective – Those are some big moves on the CDN names, I guess catching up a bit from the bounces yesterday + today for tech. Now, why I am confident with my SPY put next week is the US tech names. Google near top of BB on daily right near resistance; same with Microsoft but also close to overbought RSI; Amazon same. If we do get the cool down of these indicators it could put downward pressure on the market. That said, all these names in great uptrends.
Investor Perspective – Mid term bear, long term bull.
Air Canada
Chart – Nothing. Multiple day inside candle.
Investor – Short to mid term bear, long term I would enter at the right price.
Retail - Canadian Tire, Lululemon, Aritzia, Canada Goose, Loblaws
Chart – Was green most of the day but SPY sell off at end of day pushed some red. Still nothing of major concern and one of the stronger sectors right now (although with REITS getting the news bump it goes to maybe middle of the pack.
Investor – TBD.
submitted by TikiB to TBmarketanalysis [link] [comments]

DD: Aritzia ($ATZ) - The Great Canadian $LULU

DD: Aritzia ($ATZ) - The Great Canadian $LULU
As I eagerly refreshed my stocks app today counting my tendies from my LOW calls, I couldn't help but wonder how my ATZ position was going. Unfortunately, the northern-brethren of the US of A had markets closed today in recognition of Victoria day (some monarch idk tbh).
Nevertheless, I bring to you the finest DD on what is undoubtedly going to be the next Lulu, it's about time we migrated some of our degenerate gambling to the TSX.

TLDR; purchase ATZ stock as it is a long-term buy, but also play their Q4 earnings (5/28) with ATZ 18c 6/19.

Aritzia - What is it?
A Canadian semi-luxury fashion house and clothing company based out of BC that operates 94 stores in North America (predominantly in Canada, but with about 20 stores in the USA).
The company predominantly sells in-house brands (Babaton, Wilfred, etc.) but also stocks clothing/accessories from the likes of Levi's and Herschel among others. Aritzia has had an amazing success over the last few years, growing organic same store sales in the past 19 consecutive quarters, and posting a double-digit EBITDA and top-line sales CAGR since 2016 when the company went public.
The stock (ATZ.TO on the TSX) traded for an ATH of $26.12 shortly before the Feb crash and is currently sitting at $14.60 as of Friday's close.

Why is ATZ the next Lulu?
Aritzia first caught my attention from the countless packages that were being delivered to my upstairs neighbors (3 late-20s females), as well as from the various Tiktoks and Instagram haul stories that I had seen over the past few weeks. I was curious, could a clothing company that operates brick and mortar locations be doing well during quarantine? The answer is yes, and not only are they surviving the quarantine, but they are THRIVING.
Aritzia has one of the best-in-class E-commerce platforms of any retail clothing manufacturer in North America, let alone Canada. Their 2020 target was for 25% of all sales to be digital, I am sure that they have far exceeded that threshold so far this year. The company views their brick-and-mortar stores as showrooms for their product, but ultimately is focused on an omni-channel sales strategy. Customers are used to shopping both on-line and in-store and their tech-savvy target clientele of women aged 19-35 are the prime audience to be spending their CERB and Trump Bux on the latest line of summer lounge and athletic wear for at-home delivery.
Aritzia's most popular market is BC, where recently CoVID restrictions have been lessened, and Aritzia stores have started reopening. The company has a well-thought-out approach on how to maintain customer safety for the remainder of the crisis which can be found here:
https://business.financialpost.com/news/retail-marketing/sorry-maam-that-dress-is-in-quarantine-how-clothing-stores-are-prepping-for-a-strange-new-reality
Given their track-record of growth, the re-opening of their key markets, and their best in class E-commerce and social media marketing, I think that ATZ is a slam-dunk to become the Lulu in the coming weeks/months.

Grass roots due-diligence
Customer Surveys:
I asked over 20 females of varying ages, cultural backgrounds, locations in Canada, and levels of economic status a few key questions about Aritizia.
  • What is your opinion of Aritzia as a brand?
    • Unanimously, the feedback was positive. Respondents noted that they predominantly switched from fast-fashion brands such as Zara to shopping at Aritzia because their styles are more timeless and were of high-quality materials. They also cared a lot about the company's sustainable fashion mindset, and the various community donation and social cause campaigns that are frequently at the forefront of Artizia's media presence
    • To gauge the response from non-Canadian residents on how Aritizia is performing in the US I reached out to a number of Americans (predominantly in California and Texas), the response there was mixed, most had heard of the brand (impressive given its retail footprint of 20 stores) but most had not shopped there recently. Nevertheless, it gives long-term support on the brands growing awareness in the US, which is one of the company's next big bets.
    • Below is a response from a BC resident (early 20s, white) on why she shops online at Aritzia:

https://preview.redd.it/vlk6y18iomz41.png?width=870&format=png&auto=webp&s=bbc6d8308a19fa81c10efaa7432278df720c930c

  • Have you or your friends shopped more online at Aritzia than you did prior to the CoVID crisis? If so, why did you do so?
    • Almost unanimously, respondents claimed to have shopped online at Aritzia more during the quarantine than prior, mostly because of the style of clothing that Aritzia specializes in (lounge and athletic wear... do we want to guess why Lulu is doing so well?) but also because of an overall desire to engage in retail therapy. Many noted that although online spending increased at Aritzia, it did not for other products (with the notable exception of Sephora).
    • The below response from one of my co-workers (mid-20s affluent white Canadian) is not unique in its description of the level of online shopping going on right now at Aritzia:
https://preview.redd.it/el1s5kuknmz41.png?width=841&format=png&auto=webp&s=25909419c5eb61003294bceb6392a31adc605ecc
  • Have you experienced any stock-outs on products online? And if so, are they back in stock quickly?
    • This question was asked to assess if there are any supply chain constraints in Aritzia's ability to service the high level of demand
    • Respondents claimed that while some products were unavailable, it was only due to them being on pre-order (ie. not released yet). This leads me to believe that if Aritzia does have inventory issues, they are not widespread and they are able to disguise them well as pre-orders potentially further increasing hype
Other Grass Roots DD:
As stated earlier, the majority of Aritizia's sales occur in the province of Brittish Columbia, where most of their retail stores are located (approx 20% of the system). BC was one of the early provinces hit by CoVID and only saw 2400 cases in relation to Canada's 78,000 (3.1% of cases for 14.3% of the population).
I wanted to ensure that what I was hearing from my social circle, was accurately being represented by actual deliveries in the market they are most highly penetrated in. I was able to get in contact with a Fedex driver that works in Surrey BC, he was able to back up the previous survey statements by saying that almost 1 in every 2 packages of clothing he delivered over the last 2 weeks was Aritizia, and that was not the case prior to CoVID. Unfortunately this is a sample size of 1, and represents a very small area of their operations, but nevertheless, it does help to strengthen my thesis.
To further support my research, the following was posted on their Twitter account on Friday, during an event they were hosting to sell Front-line worker themed merchandise:

https://preview.redd.it/aglvvz61rmz41.png?width=769&format=png&auto=webp&s=729eb861c399eac28cbeb1abe1316b68da4f13c2
In summary, from the testimonials of Aritizia customers, the real world experience of a delivery driver in BC, and the company's own reports on their website traffic, the company is without a doubt seeing unprecedented online demand for their products.

Financials
Here is where the DD gets juicy as Aritzia has one of the cleanest and healthiest balance sheets I have ever seen.

https://preview.redd.it/wyvl3ay8smz41.png?width=908&format=png&auto=webp&s=f62b9806893f97817d49e20f608a023071d39c30
The first thing to point out is the companies healthy cash position, the entirety of Artizia's long-term debt is entirely covered by their current cash on-hand.
The other thing to note is the large change in lease liabilities and right-of-use assets from the same period last year. This is driven by an accounting treatment change whereby the entirety of the companies lease obligations over the committed term of their head-lease must be included as a liability on their balance sheet, with the offsetting right-of-use asset representing their remaining tenancy on their retail locations.
2 points here:
  1. the current portion of lease liabilities (C$58m) does not present as a cash-flow issue as almost all of the major commercial real-estate companies (Choice Properties, CT REIT, Rio Can, etc.) are all offering rent-deferral for commercial tenants over a 3-yr period. This coupled with their healthy cash position, the availability of a C$100m revolver, and their growing online sales, materially remove all liquidity risk in the near term
  2. Backing out leasehold obligations as they are not true-debt in the conventional sense, the company has a debt-to-EBITDA of >1.3x, which is below the retail industry average of 2.5x and a healthy debt-to-assets of ~0.3x
I wont go over any analysis of their earnings history and revenue growth as it is pretty self-explanatory, but here are the charts from their latest 10-k here:

https://preview.redd.it/1cpssejyvmz41.png?width=377&format=png&auto=webp&s=c90520494d9b9740dde043bd4e6d716947dd5198
https://preview.redd.it/16wjyz00wmz41.png?width=373&format=png&auto=webp&s=67dcc7f8ce78fba8c5a92a352a44ec8ea842592e
Conclusion
Aritizia is a healthy company with growing revenues and EBITDA that has managed to capitalize greatly on its E-commerce platform over the last few months. Currently the share price is trading at a point that hasn't been seen since June 2018. The outlook for the company is arguably stronger now than it was pre-crisis, as in addition to the points I covered above, many women's clothing retailers have declared bankruptcy leaving a bigger piece of the pie for the remaining incumbents.
The Aritzia earnings call is 5/28 but will only cover their Q4 which ended March 1st 2020, there will be no CoVID impact on these results; however, I still strongly believe that with strong FY20 guidance, the stock could recover back to its early-2020 levels. I recommend either longer term OTM calls with expiry in October in order to guarantee the impact from my grass-roots DD is priced in, or betting on the June expiry options in anticipation for strong guidance.

Positions:
ATZ 14c 6/19
ATZ 18c 6/19
ATZ 18c 10/16
submitted by Neptonrs to wallstreetbets [link] [comments]

Updated list of Global Beermoney opportunities (+180!) - June 2020

Updated list of Global Beermoney opportunities (+180!) - June 2020

Introduction

The current, and now previous, Beermoney Global list started nearly 5 years ago. It’s been updated and has grown over all that time, but it also became a hassle to keep current. It was time to build a new list from scratch based on my experience in the Beermoney world over all these years and all the contributions all of you have been making in this sub.
The lists consist of opportunities that are available in at least one country that is not the US. This means there are sites which only work in Canada or the UK. There’s sites which are open to the whole world, but this does not mean everyone can really earn something on it. It’s all still very demographic and therefore location dependent. This list should give you a starting point to try out and find what works for you. I’m not using everything myself as I prefer to focus on a few, so not all are tested by me. They are found in this sub, other subreddits and other resources where people claim to have success.
I’ve chosen the format of a simple table with the bare minimum of information to keep things clean. It includes a link, how you earn, personal payment proof if available and sign-up bonus codes if applicable. Some of these bonuses are also one-time use codes specifically made for this sub! For the ones I don’t have payment proof (yet) feel free to provide some as a comment or via modmail so others know it’s legit. I am working on detailed instructions for each method that I personally use which will include things like cashout minimum, cashout options, tips & tricks,... For now I’ve split things up based on the type of earning like passive or mobile. Because of this there’s sometimes an overlap as some are both passive and on mobile or both earning crypto and a GPT (Get Paid To) website.
The lists are obviously not complete so I invite you to keep posting new ones in the sub, as a comment to this post, or in modmail. Especially if you have sites or apps which work for one single specific country I can start building a list, just like I did for The Netherlands and Belgium. If you recognize things which are in fact scams or not worth it let me know as well.

Beermoney opportunities

Get Paid To (Surveys, tasks, offers, videos, clicking links, play games, searching)
Register here How to earn Payment proof Sign-up bonus code
ySense - The best global site Surveys, tasks, offers, videos Paypal /
PrizeRebel Surveys, tasks, offers, videos Paypal Enter code 'beermoneyglobal'
SerpClix Google searching Paypal /
Swagbucks & SwagButton Surveys, tasks, offers, videos, shopping & cashback, games, apps Paypal /
GG2U Surveys, tasks, offers, videos Pending $1.00 if register here
Keep Rewarding Surveys, tasks, offers, videos, PTC Pending $0.25 if register here
Ebesucher Surfing, reading mails Bank transfer /
Reward XP Surveys, tasks, offers, videos Pending $0.50 if register here
Gain.gg Surveys, tasks, offers, videos Paypal $0.10 if register here
Timebucks Surveys, tasks, offers, videos, Tik Tok, Shopping Pending $1.00 if register here
GamerMine Surveys, offers, videos, tasks, Pending $1.00 if register here
Gamehag Tasks, offers, play games, post on forum, writing Pending /
BTCSurveys Surveys Pending /
FruitLab Watch & upload video game clips Pending 100 pips if register here
Clickworker Transcripts, tasks, UHRS (categorizing), surveys Paypal /
FreeSkins Surveys, offers, tasks, videos Pending 100 coins if register here
iRazoo Games, surveys, videos, offers, apps Pending Enter code 'AK7DB2' for 500 points when signing up
EarnCrypto Data entry, surveys, offers, tasks, videos, games, apps Pending /
Blockreward Apps, surveys, videos, tasks, offers Pending $2.00 if register here and earn 20000b + $2.00 if earn 10000b within 30 days
PaidViewPoint Surveys Pending /
GrabPoints Suverys, videos, offers, games, apps Pending 500 points if register here
RewardingWays Surveys, offers, tasks, videos, contests Pending $0.20 if register here
SuperPay Surveys, offers, tasks, videos, contests Pending $0.20 if register here
InstaGC Surveys, tasks, videos, apps Pending /
GiftHunterClub Surveys, offers, videos, apps, games Pending $0.75 if register here
Idle-Empire Surveys, offers, videos, mining, apps, games Pending 500 points if register here
PicoWorkers Tasks, games, apps Pending /
ViewFruit Surveys Pending /
Mobrog (change language if needed) Surveys Pending /
Surveytime Surveys Pending /
Giveaway Pros Offers, videos Pending /
SEO Sprint (Russian, use Google Translate) Tasks Pending /
Earnhoney Surveys, tasks, offers, videos Pending /
Toluna Surveys Pending /
Spidermetrix Surveys Pending /
BeerSurveys Surveys, tasks, offers Pending /
CrowdHolding Co-create with startups Pending /
Diaworkers Tasks Pending /
Presearch Search & Earn Pending /
Univox Community Surveys Pending /
YouGov Surveys Pending /
Spare5 Tasks Paypal /
Rewardia Surveys, polls, games, videos, puzzles, trivia Pending 3000 points extra (when you earn 3000 points) if register here
Earnably Surveys, tasks, offers, videos Pending /
Neevo Tasks Pending /
Rakuten Insight (country specific links) Surveys Pending /
The Panel Station Surveys Pending /
Remotasks Tasks Pending /
Pureprofile Surveys Pending /
UserCrowd Tasks PayPal /
Sruvey Village Surveys Pending /
InboxDollars/InboxPounds Surveys, offers, videos, shopping Pending /
Qmee Surveys Pending /
MicroWorkers Tasks Pending /
Cinchbucks Surveys, offers, tasks, videos Pending /
Rewards1 Suverys, videos, offers, games, apps, polls, contests Pending /
Vindale Surveys Pending /
PointClub Surveys Pending /
TGM Panel Surveys Pending /
PaidPoints Tasks, offers, traffic exchange, ad clicking Pending /
RapidWorkers Tasks Pending /
AnyTask Sell your skills Pending /
Bounty0x Tasks Pending /
Opinion World Surveys Pending /
Lifepoints Surveys Pending /
Passive (desktop & mobile)
Register here How to earn Payment proof Sign-up bonus code
HoneyGain Desktop & mobile phone bandwith sharing (wifi + data) Paypal $5.00 if register here
FluidStack Desktop bandwith sharing (Linux needed) Paypal /
PacketStream Desktop bandwith sharing Pending /
LoadTeam CPU power sharing Pending $0.20 if register here
Gener8 Browser extension Pending 10 tokens if register here
Kryptex Crypto mining Pending /
Ebesucher Surfing, reading mails Bank transfer /
Honeyminer Mining Pending 1000 satoshis if register here
LazyBucks Rent out your Facebook account Pending /
HideoutTV and link to Reward XP to cashout Videos Pending /
Honey Discounts & Cashback / 500 Honey Gold if register here
Fitplay Games Pending $0.33 if register here
Mistplay Games Pending /
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For The Netherlands there are a few very good options next to a bunch of ‘spaarprogramma’s. There ‘spaarprogramma’s are all the same where you receive and click a bunch of e-mails, advertisements, banners,... I advise you to create a separate e-mail address or use a good filter in your inbox as you will be spammed to death. I believe they can be a nice piece of beermoney but they take quite the effort.
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submitted by Proim to beermoneyglobal [link] [comments]

CanadaEh97'S Guide to Straight Razors: Buying Your First Razor.

I would like to preface this section by saying some of these vendors could close shop, I'll try my best to keep this updated. Also if I miss a vendor please let me know and I'll add them to the list.
If you're just joining us and are new to straight razors take a look at my "Intro to Straights" post.
So you're ready to buy your first straight razor but don't know where to start or what to get. You could be going in completely blind or with some info hopefully from my last post. I'd assume you check your favorite shave vendor and see what they have, you're wondering why the vast price difference in razors, does the blade color matter? Why do the same razors with different handles cost more? I like the razor but the point looks scary can I still shave with it? Then you look at the price and see it's as much or more than some DE's you have and then maybe you rethink your decision.
Well there are other options to obtain a straight razor, I'm not saying buying a new straight razor is bad, if you have the means and are someone who doesn't like used items that's fine just make sure you buy it from a vendor who can hone or you know someone who can hone as most razors come with a factory edge and those are not good for a lot of people.
What I suggest most people do is buy a vintage razor. They are generally much cheaper than anything new and the quality of the steel is much higher than a lot of "beginner" razors, meaning you can get a nice razor that shaves well and can last beyond your lifetime. So let's find you a razor to get started.

Vendors

Roctraitor
Lately a lot of guys are getting out of the game of selling used razors, the market just isn't the same as it seems like more people are leaning towards big customs but many love vintages. We'll start with the well known Reddit legend for selling razors Mr. u/roctraitor you can find his most recent sales posts in his submitted posts he doesn't have a lot listed but he has unseen razors which he described, they're cheap, shave ready and get the job done, just may not be the prettiest in some cases. He also offers a bundle with a strop for $70 USD which is cheap, gets you started and doesn't break the bank. In most cases a strop can cost more than this.
Griffith Shaving Goods
The next company I would like to spotlight is Griffith Shaving Goods, they are specialize in straight razors and restoring vintages. You can find on their site full restore vintage razors, shave ready and ready to last for 100+ more years. They will cost a bit more but comparable to modern razors at the same price point the vintages will be better quality, their inventory is always changing so might have to move fast in some cases.
I'm not sure of other vendors with a constant supply of vintage razors.

Non Vendors

BST Pages
Another place you can acquire razors is on sale pages like the /Shave_Bazaar the Saturday DNP posts here on /Wetshaving , other shave forums and Facebook. You'll find a lot of the older guys with a lot of collections on Facebook and the forums with extra razors, they usually don't post but a simple WTB will get the ball rolling.
eBay
I'm sure everyone knows eBay, it can be great for buying stuff cheap but can also get a little shady. There are a lot of sellers from the US, Canada, EU and Japan selling razors, often cheap. The downfall is some guys don't have great photos, you could get a razor with wacky geometry, awful hone wear, chip in the blade, etc. But in most cases you'll get a solid razor, the downfall is these are usually not honed, some say shave ready but often not.
Antique Markets
I've seen a lot of guys find razors when they go antique shopping, usually razors are picked up dirt cheap, you can actually look at it for any issues but a lot of the time taking the risk is worth it especially is someone is asking only $20. Just use your best judgement on this and realize it's not going to be honed and you'll have to send this out, but can be a good way to pick up 2-3 razors for very cheap if you have a good day.

What Should You Buy?

So now you have an idea of where to buy a razor from but what should you be looking for?
Grind
I went over grinds briefly in my last post but for vintage razors you'll generally come across full hollow and quarter hollow or near wedge razors. But what's best for you? Well this is where trial and error will come into play, I would suggest you get both at first if you can to see what works best, for some a FH grind is good enough and for others it can't get through their hair. But please note your first few shaves may be rough as you don't have the angle or technique down.
Razor Points
Next is razor points, usually people will suggest round point for beginners as it's most forgiving and that's true but sometimes finding a vintage round point is not easy, most vintages are square/spike point and while they look scary you can get the tip muted or mute it yourself and there is no fear of catching yourself.
Razor Size
I went over how razors are sized in the intro post, most people will suggest a 5/8" razor to start, honestly a 5/8" Round point is just boring. The other reason I don't like 5/8" razors is the weight, they are light and a bigger razor can make a shave easier due to weight. If possible try and start out with a 6/8" or 13/16" razor, it's not unwieldy and in a lot of cases 7/8" would be great but price goes up. The other reason is you'll be more likely to keep a larger razor vs wanting to upgrade the 5/8" which people do quickly, so investing a bit more at the start can save a bit later on.
Brand
A lot of people wonder what brand to get, back then there were a ton of brands, a lot of department stores, shops, etc had razors with their name on it, most were just German razors branded with the store. It would take ages to name every razors so best bet is to look at the origin or steel. Most of these were produced in the same factory/foundry so quality is the same in some cases you have a $100 razor with the exact same blade as a $400 razor just the branding is different. So look for razors from these locations or steel names:
  • Solingen, Germany - Found on German razors and razors with US branding.
  • Sheffield, UK - Found on UK based razors.
  • Swedish Steel - Found on Swedish razors and Japanese razors.
  • Find India Steel - Found on UK razors
  • US Steel - Found on certain US brands like Genco or J.R. Torrey
In some cases the origin isn't listed but if you are buying from a vendor the steel will be quality, they won't sell an inferior razor.
Gold Dollar and ZY Razors
I know many people scoff at these razors but if you have someone who knows what they're doing on the stones you can get a razors that shaves well, it's not going to be quality but it will be cheap and gives you an idea of shaving with a straight. I started out on a GD razors, many guys have them on hand to test stones and honing technique or just to keep fresh honing. I've sold a bunch of ZY razors locally for people to try and it was a good indicator for them if straight shaving was for them. So it depends who you're getting them from because their skill on the stones will make these razors shine or be a nightmare.

Honing

If you buy from a vendor or some people on the BST razors will come honed, but in some cases they are not or the edge just doesn't work for you. There are many people that hone including some vendors. Brad at Maggard's hones and can see here what he's offering price wise just note many people will not touch certain razors due to geometry issues, steel type, grind type (usually full wedge) so be aware of that, most vintages are fine but always contact first.
Another person I will suggest is DrMatt375 on YouTube, he has an email you can contact him, he does some geometry work on razors and I believe may rehone if an edge doesn't work since he has many finishing stones, best to contact him with info.
Randy at First Canadian Shave does honing but contact him, Randy would be a good option for Canadians.
Then people in the community like myself and other straight shavers will hone, most don't charge outside of postage, some charge very little it's a case by case thing. Some are quick and hone often others like myself slow due to life. I would suggest joining the Facebook group Straight Razor Honing, there you can learn or find someone local to hone some blades for you, lots of extremely talented guys in there that make myself and others look like we don't know what we're doing.
I just realized how much I wrote on just buying a razor, there is a lot of info I've probably missed but I don't want this to be too long, just scratching the surface and letting you deep dive if you want.
I was planning on covering strops as well in this but I'll do my next post covering strops and care, hopefully soon, need to do some research on vendors.
submitted by CanadaEh97 to Wetshaving [link] [comments]

[IWantOut] 18F UK -> Canada/Norway/Sweden/Switzerland/Finland/Germany

So I just got out of Sixth Form with hopefully 2 A Levels and a Btec (results haven't been posted yet, delayed due to Covid-19). Next year during the summer I'll be working at a summer camp in Canada for a few weeks as part of a 'Camp Canada' program, but after that I don't know what to do- university isn't something I want to do, and ideally I'd like to get out of the UK as soon as possible after I return from Canada. I know I've listed a lot of countries there, but I've kept my scope as open as possible, and back-ups seemed like a good idea. I know Brexit isn't fully over and the immigration from UK to mainland Europe details aren't decided yet, but I know that won't be easy now that we've left the EU.
For a while I thought Canada would be the best bet, since I was told the Express Entry route and IEC were good options, plus it has English speaking areas, but then I was informed that without higher education (e.g a degree) it's really, really hard. I feel pretty stumped and I know it's hard to make any concrete statements about European immigration until Brexit is fully sorted, but I feel like I need to start planning so I can get started moving after my Canada work placement- I don't want a huge gap in a work CV where I'm sitting at home in England wondering what to do, if that makes sense. I feel like I need a plan. I basically chose those places as options due to the cold climates and large expanses of wilderness (countryside/remote living is also my preference). I'm not overly concerned about the job I end up with as long as I can live abroad, although I'd eventually like to start selling art and writing novels. I sadly very little work experience on paper also- I've done a lot of farmwork over the years but my only documented job was two weeks working the till of a shop before it closed. Camp Canada will add experience, but for now I can't get a job due to Covid-19. Despite my lack of official work experience however I have a lot of experience in harsh working conditions and again would consider most jobs if it meant I could leave here. I'm just really not sure which country would be the easiest bet for me.
submitted by Green_Ferret_ to IWantOut [link] [comments]

$EZPW (EzCorp) & $FCFC (FirstCash) - Pandemic resistant financial plays

Essential services resistant to coronavirus roll back

Consider: with the expected financial dangers of the extended pandemic, as places like California and Florida are rolling back "reopening", which companies have the least exposure to a continued economic downturn?
Beyond the standard (and pricy) Apple/Amazon/Netflix/Zoom — along with biotechs — one type of business is not just thriving, but actually benefiting from the retail shutdowns and economic downturn: pawn shops.
Unlike traditional retail stores, pawn shops are considered "essential services" and have remained open during the entirety of the pandemic, with some restrictions.
One of the lesser known side-effects of the Economic Stimulus packages is that the "Pandemic Emergency Unemployment Compensation" bonus of $600 per week has been leading to a surge in loan payoffs, bank deposits and retail purchases.
Go to any major pawnshop and you'll see something amazing: the shelves are empty!
I've checked, and asked the employees at multiple places. They all say the same thing:
People have been paying off their loans; and buying up the inventory.
This is leading to a huge cash windfall for pawn shops -- which hasn't yet been reflected in their stock price.
And as the economy begins to contract, you can be sure that the loan side of the business will start to boom.
Another thing to note: pawn shops do a lot of business in "scrap gold" and gold prices are at a historic high.

The big chains: Cash America and EZ Pawn

The two largest chains in the US are Cash America ($FCFS, FirstCash) and EZ Pawn ($EZPW, EZCorp), along with their associated subsidiaries.
Both are in direct competition with each other in many areas of North America, as well as having holdings in Latin America.
$FCFS currently trades at just north of $65.
But, over the past week, $EZPW had been getting pushed down-- possibly manipulated-- to a low of 5.33. Today it is trading up, and is the best bet for a continued gain.
Just before the pandemic, EZPW was trading at around $6.70, but was as high as $15 during 2018.

Background and Locations

Starting in 1989 with 16 locations in Austin, EZCorp has grown to over 500 locations across North America, under various names, which include: EZ Pawn (360 stores); Value Pawn (101, mostly Florida); Easypawn (6); USA Pawn (23, Arizona & Oregon), Maxi Pawn (7, Minnesota), and a handful of smaller local stores, along with the gun resale "Caliber Firearms Outpost." They also have a presence in Latin America, and 22 "Cash Max" locations in Canada.

Fundamentals

For the Q2 2020 results-(FINAL-PDF).pdf) (ending in March), EZCorp reported that total revenues were up 4% to $223.3 million over the prior quarter.
They also reported: "Our cash position remains strong at $193.7 million as of March 31, 2020, up 35% from $143 million at the end of the first quarter."
From December 2019 through March, the company had a stock repurchase program, that bought back 943,000 shares; this was halted to preserve liquidity.
Third Quarter results (ending June) are coming up in three weeks and should prove to be even better for the US stores.
Disclosure: I have a small position (500 shares) of EZPW. Should have loaded up on the drop!
submitted by 4ppleF4n to stocks [link] [comments]

Listing the VA of Gala Leif and the Journey to the West team!

EDIT: Wu Kong's English VA credit has been fixed and revealed... I will put that down below, and strikethrough my comment regarding Wu Kong.
EDIT2: I may have made a big error. Sha Wujing may not be voiced by the David Kaye I mentioned here, I have talked about it in another post
A lot of people mentioned, myself included, that Canada has very diverse people in the entertainment world, as well as many other businesses and families and whatnot. However, population surveys say that most African countries are diverse like Nigeria, South Africa, etc, more so than other continents, INCLUDING where I live (Australia). Well, it shows here, just as Scars of the Syndicate did.
Today, we reveal Kitana Belle Pavik and Brian Joseph Benedict's real name, unless someone else can tell the difference between the Xuan Zang's to which I will mention. Then, we have three new VAs and one returning. It's a pity that Wu Kong's name isn't shown, and it's not just a "-" like Lea or Victor, the text box is gone! I can barely contain my excitement as I do with any new character, but these ones appear in shows I've watched dearly. If any of you read my posts or comments, then you'll know what type of shows I like, and why I'm so excited. But mark my words, as you read, you'll see why. Also, a couple of them have their own personalised websites, so I'll mention it there. Let us advance!!!
Wu Kong - Brian Doe. He is the real name behind Brian Joseph Benedict. In other words, this is his THIRD character here, the first two being Alain and Ricardt. Born in Vancouver, Canada with a passionate love for Saturday Morning Cartoons growing up. Brian started his career by creating various offbeat characters of his own and giving them a voice. He then found out that he can use his voice to really bring audiences on adventures, that is what starts his pursuit in becoming a full-time voice actor. Now look at him, he's a wonderful guy!
Instead of listing out so many things, I'll list to him what he's well known for in anime and cartoons alike: Osamu Mikumo (World Trigger), Nils Richter (LBX: Little Battlers Experience), Delphin (Barbie: The Pearl Princess), Gabe Brunei (Beyblade Burst), and of course Timber Spruce (My Little Pony: Equestria Girls - Legend of Everfree). I play both Alain and Ricardt a lot frequently, and that was before learning he was Timber Spruce. I liked Alain's attitude in his voice, as well as Ricardt's shy and timid side. Nice contrast, huh?
Leif - Bill Newton. The third Australian-born actor in Dragalia Lost!? YAY!!! The Melbourne boy is very much started his VA career in 2013 voicing various characters or being credited as additional voices for video games such as Dragon Age: Inquisition, The Shadow Sun, and Grey Goo.
His first ever animation role was in anime, starting with Gintama as Tasuke Kurokono. He's part of Gintoki and his old Jouishi pals (Katsura and Sakamoto) back then but made his only 'appearance' in the two-parter where I believe they just wanted to make a reference to Kuroko no Basket, because that's pretty much what Gintama does all the time, make references to their fellow Shonen Jump comics. Then he went to other animes like Beyblade Burst (Arthur Lawrence) and World Trigger (Isami Toma, Kotaro Suwa, Shiihara).
He jumped into Western animations like Minecraft Mysteries: Mystery of the Greek Isle (Toby), Line Rangers (The Narrator), Tobot (Tobot C), Littlest Pet Shop: A World of Our Own (Simon Puggerson /Cheeks Hamsternathy/Pigeon) and Ninjago (Fred Finely/Jay Walkin 238).
However, he is well known to have the role of an antagonist in My Little Pony: Friendship is Magic. Aside from voicing supporting characters like Snap Shutter, Pharynx (brother of Thorax), and Bright Macintosh (Not to confuse with Big McIntosh, that's Vixel's VA) he voices Stygian or in his dark form The Pony of Shadows! And now he's back into video games, voicing our dear Sparrow Leif! Yes and finally! My heart soared when I first started off the research, but as I go down the list, it gets even BIGGER!
Radiant Xuan Zang - Elfina Luk. This is Kitana Belle Pavik's real name (I think?). And while she was born in Vancouver, Canada, she is AMAZINGLY FLUENT in her Cantonese and Mandarin if you watch her demo reel! But as for why she was directed not to sorta emphasise the pitch and tone that you'd hear in Mandarin (especially if you consider how Tie Shan Ghongzhu was directed, which I will explain) baffles me. My guess is that it's to make English speakers a bit comfier saying their names. I know I had difficulties with that when you're an Australian Born Chinese whose primary language is English.
Anyway, Elfina is a really big Live-Action Actress, utilising her languages and acting abilities, though she's also a director and producer too. Though she started off in additional or small roles such as Smallville, Supernatural, Altered Carbon, Loudermilk, and a whole lot of other shows. Her talents mentioned above shine in big movies such as Sargent Han in Skyscraper(Dwayne Johnson), The Secretary of Homeland Security in Sonic the Hedgehog: The Movie. But she has been in impressive shows, whether main or recurring character, such as Blood and Water (Anna Xie, Andrea Tsang), iZombie (Joyce Collins), Zoo (Analyst Taylor Nguyen), and The Good Doctor (Nurse Dalisay Villanueva).
I think it goes to show that not all anime video games have to be voiced by solely well-known Anime VAs, even people who did Live-Action can do just as amazing, and Elfina proves that. Also, I highly encourage people here to watch some live-action shows. The Good Doctor is really good after all! I'm SURE you've heard of this drama before!
Zhu Bajie - Brian Drummond. And he's back again!!! His SEVENTH character! Karl, Rodrigo, Thaniel, Zodiark, Ebisu, Garland, and now Zhu Bajie. I think he's now officially the English VA who has the most roles here! And my goodness, I will say it again in case any has forgotten, Brian is a big VA veteran, hailing from British Columbia, Canada, along with the likes of Tabitha St Germain (Estelle, Althemia, Phoenix) and Richard Ian Cox (Ranzal, Rex, Yaten)! What are his voices again? Oh, A LOT!
Ryuk from Death Note, Garu from Pucca, Milliardo Peacecraft from Gundam Wing, Jetfire and Jolt from Transformers Cybertron, Allen Schezar from Vision of Escaflowne, Hayato Shingu from Project ARMS, and let's not forget the original Ocean dub Vegeta from Dragonball Z!
There's no mistaking it, he REALLY loves this game. Here's hoping his daughter Brynna and his wife Laura gets a voice in Dragalia Lost. His son Aidan has two in the form of Delphi and Yuya! Getting the Drummond family together would be awesome!!!
Sha Wujing - David Kaye. I... I am... I am beyond ecstatic! I CANNOT BELIEVE IT!!! IT'S FREAKING DAVID KAYE!!! This guy is such a legend along with the likes of Tara Strong!!! He's known for many big things. He's Clank from Ratchet and Clank and other iterations, Logan Carter in Dead Island, Corvus Glaive, Mysterio and Vision in Marvel Ultimate Alliance 3: The Black Order AND in various Western animations revolving around those three characters, James Gordon in Batman: Arkham City, and that's just video games.
Now, for Anime, he's Inuyasha's half-brother Sesshomaru, Protoman.EXE from Megaman NT Warrior, Recoome from DragonballZ (Ocean Dub), Kim Kaphwan in Fatal Fury 2: The New Battle, Treize Khushrenada in Gundam Wing, and Soun Tendo in Ranma 1/2.
Western Animations? Just as impressive! Grandpa Max Tennyson in the Rebooted Ben 10 and other aliens like Cannonbolt in Ben 10 Omniverse, General Hawk for the Second Season of G.I. Joe, General Tandin in Star Wars: The Clone Wars, Akuma from Street Fighter, and Professor Charles Xavier and Apocalypse in X-Men: Evolution.
But do you know what he is most popular for, and has a long relationship with? No, it's not My Little Pony like I always mull on about. It's the other Hasbro franchise which I also fell in love with, and that is Transformers. For Five animated series, FIVE! From Beast Wars and Beast Machines: Transformers, and the anime Unicron Trilogy: Armada, Energon, and Cybertron. He was the voice of none other than Megatron. AND in Transformers: Animated in 2007, his coin was flipped and thus voiced Optimus Prime (as well as Grimlock, Lugnut, and more). The ONLY VA to voice the face of both the Autobots and the Decepticons. EEEYAH!!! There's nothing more to say... this guy is wonderful, voicing so many characters well-received and niche shows and anime, and you can bet your arse that I'm continuing to play this game in the long run! You know, I've been making a My Little Pony and Dragalia Lost crossover story. I should make one with Transformers after that!
Tie Shan Gongzhu - Rita Yee. And for Rita Yee, I want to give her a large round of applause and thank you. You see, Rita does work in the entertainment industry (mostly film), but she's mostly been recognised as an assistant producer and miscellaneous crew for various TV shorts and documentaries as a production accountant for number crunching and payroll and whatnot.
According to IMDb, she has not got any sort of acting or voice role BUT here. And boy, let me bring back what I was talking about with Elfina and her take on Xuan Zang. I was listening to her voice clips, and you can tell that her direction was a twinge of fluent English with a little hint of Chinese. But when she mentioned her own name in one of them, IT WAS COMPLETELY IN MANDARIN: TONE, PITCH, ACCENT AND ALL. And people thought English dubs would lose this sort of culture and cringe about that. Well, I say you've never been to Canada before (which is pretty petty and hypocritical of me because I haven't visited the country myself, I take it back).
As I said, Canada's Acting Industry is very diverse like the country itself, and it's extremely wonderful that the DL voice director is using that to bring about a really great depth to the characters. So yeah, I want to say thank you, thank you, THANK YOU to our four voice actors, as WELL as DL's voice director Adrienne Lindsay (I'm not so sure though... apparently, some VAs who tweeted about their Dragalia Role said so. But she IS a voice director on her social media page). For doing all this, you bring so much tremendous joy to people like me, and to show that Canada's VA industry is just as magnificent!
Now, what are YOUR opinions about them? Do not be afraid to comment down below. I will look at them, even discuss. Oh, and through my research, I've also decided to put the personal websites of the actors here. So if you want to see more of their roles, demo reels, or say thank you to them for their performance, go ahead.
Brian Doe - https://thebriandoe.com/ , Twitter (@TheBrianDoe). If you see his header photo, Alain and Ricardt are both on it!!! That is so cute!
Bill Newton - It's not his own website, but it is a place where voice actors can be commissioned or scouted for various jobs. https://www.voices.com/actors/TheVoicePackage
Elfina Luk - https://elfinaluk.com/ , Instagram and Twitter (@elfinaluk)
David Kaye - https://www.davidkaye.com/ , Twitter (@dkayevo)
Brian Drummond - Twitter (@BrianDrummondVO)
Rita Yee has a LinkedIn profile, https://ca.linkedin.com/in/rita-yee-926462a
submitted by Tythen to DragaliaLost [link] [comments]

June 29, 2020 - Market Analysis

Definitely a shorter write up today because of what I wrote in my Intraday Analysis which is [here]( https://old.reddit.com/TBmarketanalysis/comments/hi0541/june_29_2020_intraday_market_analysis/.
If any are interested in getting a paid subscription for tradingview than you can use my link: https://www.tradingview.com/gopro/?share_your_love=dannymannyboy.
Markets
Chart Perspective – Why I think it’s a nothing day is because of SPY. SPY got a bounce today but it’s mostly because tech got a strong bounce. If you look at Google on the hourly and daily you can see between the oversold hourly RSI and outside the daily BB, it was going to bounce. Same with Facebook. So with the SPY bounce a lot of the market bounced too. Inside bar from Friday.
Investor Perspective – I don’t think we are going to see a break of SPY bullish or bearish this week as the volume should be low based on Canada Day Wednesday and NYSE closed Friday.
Energy and Oil Companies - MEG Energy Corp, Crescent Point Energy, Cenovus Energy, CDN Natural Resources, Suncor Energy, Enbridge, Teck Resources Limited, Husky Energy, Vermilion
Chart Perspective – A lot of the charts will look similar to SPY/tech. You got most names Suncor; Vermilion not breaking through anything that matters, most names not getting back to Thursday. If anything these are just cooling down RSI and getting back into the BB. Still was looking at a downtrend and sure the week could be green but unless it’s based on news, increasing volume, or clear resistance breaks, I’m not chalking it up too much.
Investor Perspective – Mid term bear.
Gold Miners - Kirkland Lake Gold, Kinross Gold, Barrick Gold, Eldorado Gold, IAMGOLD, B2Gold, Yamana Gold, OceanGold.
Chart Perspective – Nothing day. Gold was sideways, most names were sideways. One note is that a lot of miners are at the top of their daily BB such as Barrick; Kinross; B2Gold. For the same reasons I listed on SPY, I would not expect miners to break through these resistances this week. To do that they would need to not only break short term resistances but they would have to do it while getting outside the daily BB. Unless there is a market shock or crazy gold bounce, these names should go sideways/slightly down.
Investor Perspective – Mid-term bull.
Marijuana Stocks - Canopy, Aphria, Aurora, HEXO, Organigram. Cronos, and some US MSO’s . Chart Perspective – Look familiar. Outside of the daily BB, bounced back in, no break of previous days.
Investor Perspective – Mid-term bear, long term bull.
Banks - BMO, RBC, Scotiabank, CIBC, Manulife, TD
Chart Perspective – At risk of repeating myself, here is a chart and another. Starting to see trends yet?
Investor Perspective – Short term tied to market, mid term even/bear, long term bull.
REITS - Brookfield, Smartcentres, Riocan, HR Real Estate
Chart Perspective – Because if you can’t see the trend yet, than you aren’t learning anything when you read. If anything this sector remained the weakest because some names were red.
Tech - SHOP, Lightspeed, Real. OpenText, Kinaxis, Microsoft, Google, Amazon, Apple, Facebook
Chart Perspective – I’m not going to do the US tickers since I did them with SPY. The CDN names were interesting because SHOP does what it always does, green and a sold uptrend. However, REAL, LSPD, KXS were the most red on my list. They are still holding uptrends/equilibriums but are getting real close to supports.
Investor Perspective – Geez, this is tough. Charts say never bet against tech but I think I am short to mid term bear, long term bull.
Air Canada
Chart – More green but still same graph as others
Investor – Short to mid term bear, long term I would enter at the right price.
Retail - Canadian Tire, Lululemon, Aritzia, Canada Goose, Loblaws
Chart – See literally the majority of sectors above. Same applies.
Investor – Um, logically with things re-opening I would be more bullish but then Loblaws people were stocking up pre/during pandemic and people could order online…and Phase 2 in US is slowing the re-open. So honestly I don’t know where I would fall in the investor category.
submitted by TikiB to TBmarketanalysis [link] [comments]

June 3, 2020 - Market Analysis

Thanks to everyone who has come over to continue reading these posts. I am glad you enjoy them. Today the trend continued of the past few days – gold miners and tech weak while banks, energy, and REITS were strong. I mentioned a couple weeks ago that you could start to see a shift in money moving from one sector to another. Has that played out with the bounce?
Here we see ABX with SHOP overlay. Both hold similar patterns of a strong run up but have really cooled down over past couple weeks.
Now let’s add TD bank. You can see in the orange line we were sideways for a while but we have spiked.
Now let’s add a REIT, HR.UN. We see a similar huge spike like TD around the same time that SHOP and ABX begin to drop.
Finally let’s add MEG energy. As you can see a bit of an outlier which I had also noted in my previous posts. You would see random spikes and sell offs as this is more closely tied to oil.
So it’s interesting to see to a certain extent that money does seem to be flowing into these other sectors. Now the question is, are we going to see a cycle back? I will be watching closely to see if money cycles back into tech and gold, we see continued buying of these names, or a third option of everything leveling out. I had a couple hundred dollars in my options account so I made one play today and got a SPY put for Friday.
If any are interested in getting a paid subscription than you can use my link: https://www.tradingview.com/gopro/?share_your_love=dannymannyboy.
Markets
Chart Perspective – Again, not only is there no red flags, it looks really friggin healthy. The pullbacks are so small and cools off RSI and we continue to get new highs. I will note that $313.81 is the next daily resistance and I have been thinking about making a put play. Otherwise, there is no reason why we can’t continue from a chart perspective.
Investor Perspective – So, watching the US right now is interesting because the majority of the news coverage is obviously the protest which is thousands of people gathered in close proximity, which is what the world has been trying to avoid for the past few months with the virus. It will be interesting to see if there is a spike in cases. Again, I care more about next quarter financials and I’d bet bearish.
Energy and Oil Companies - MEG Energy Corp, Crescent Point Energy, Cenovus Energy, CDN Natural Resources, Suncor Energy, Enbridge, Teck Resources Limited, Husky Energy, Vermillion
Chart Perspective – Once you break a resistance and don’t have anything close by, it’s easy to see these large gains. I noted that MEG had nothing between the 5x top of $3.41-$3.45 and $4 and it ran from that break to $3.91 today, less than 3% away from that resistance after a 25% run in 2 days. From a chart perspective, CPG, SU, and a couple others are running a little hot on the 4 hour timeframe and could see some consolidation. However, after the run up it can pullback a decent amount and still keep the uptrend going.
Investor Perspective – Man oh man, it’s getting tougher for me to believe that the reopening is priced in. Oil continues to hold strong and if we don’t see a significant pullback anytime soon, there is more upside to these names. I can’t shake my gut feeling we are going to see a second pullback across most sectors though.
Gold Miners - Kirkland Lake Gold, Kinross Gold, Barrick Gold, Eldorado Gold, IAMGOLD, B2Gold, Yamana Gold, OceanGold.
Chart Perspective – See the last week when I mentioned we are showing weakness, bounces are weak, and we are breaking supports. ABX broke support today, KL barely held, BTO and YRI which were looking strong yesterday still hold their uptrends but barely. Gold all out dumped today but luckily for them they have multiple 4 hour supports at $1660, $1668, $1681 and I guess that’s a decent lower wick of a bounce today. 4 hour RSI is pretty beat up but need to worry about a small bounce that cools off RSI and then rolls over and breaks support because the daily is nowhere close to being oversold.
Investor Perspective – I showed yesterday that miners are tied to GOLD and GOLD really only follows SPY on the huge crashes or bounces. I do think SPY is going to pullback midterm but I don’t know if we are going to see the huge sell off like we saw in March so I think GOLD can be shielded from that. Still looking good mid to long term I think but damn short term is hot garbage.
Marijuana Stocks - Canopy, Aphria, Aurora, HEXO, Organigram. Cronos, and some US MSO’s.
Chart Perspective – Nice bounce on WEED but after the pullback this isn’t anything worth getting exciting about. The rest of the week will give me a better idea of short term direction.
Investor Perspective – See yesterday.
Banks - BMO, RBC, Scotiabank, CIBC, Manulife, TD
Chart Perspective – Textbook continuation on these names. Everything either pulled back and broke bullish their 4 hour or just keep chugging along. I would flag the 4 hour RSI is getting overbought and we could see a pullback in the next few days.
Investor Perspective – It’s definitely a strong bounce over the past two weeks but again temper expectations. Look at the weekly chart and we are either just approaching top of equilibrium or just breaking through. Nothing to get excited about yet.
REITS - Brookfield, Smartcentres, Riocan, HR Real Estate
Chart Perspective – slow clap. For BPY to already be at its recent high after dividend sell off, HR setting support levels around $9.50-$9.65 after a run that started around $8 and BAM to change the daily trend bullish for the first time since early April, congrats to those who got in on this play. My only hesitation is that both BAM and BPY are coming up to resistances with hot RSI. A gap up/sell off play could be in the cards.
Investor Analysis – Honestly, I thought we would see more of a pullback. HR was the laggard play today. It was even while the others were up 4% and caught up in a damn hurry. My analysis still says that money has moved into these sectors and yes short term they can run hot but I think in the mid term some of the money will flow back out.
Tech - SHOP, Lightspeed, Real. OpenText, Kinaxis
Chart Perspective - Besides REAL which is right on it’s 4 hour support, the rest are mostly just going sideways. Still no red flags after the pullback.
Investor Perspective – So it’s interesting because SPY is still crushing it while SHOP is sideways. So either tech is going to pullback more and help SPY cool down or it will bounce and add fuel to the fire.
Air Canada
Chart – The first thing I asked when I saw this chart was, is there news? A 10% day on big bull volume out of seemingly nowhere definitely caught my eye. $18.50ish is acting as a triple top right now.
Investor – See yesterday.
submitted by TikiB to TBmarketanalysis [link] [comments]

June 22, 2020 - Market Analysis

Hello everyone,
You can read my thoughts during the day here. If any are interested in getting a paid subscription for tradingview than you can use my link: https://www.tradingview.com/gopro/?share_your_love=dannymannyboy.
Markets
Chart Perspective – This range keeps getting tighter and tighter. I call this a good defend by the bulls as Friday broke the low of Tuesday with no real follow through and today held Friday. Short term good defence by bulls but really it doesn’t change anything. Still within the tight range and most sectors reflect that.
Investor Perspective – See last week.
Energy and Oil Companies - MEG Energy Corp, Crescent Point Energy, Cenovus Energy, CDN Natural Resources, Suncor Energy, Enbridge, Teck Resources Limited, Husky Energy, Vermilion
Chart Perspective – The worst two names on my list were MEG and Vermilion but even with that red, the majority are still in the range over past week/two. That said Vermilion did break bearish and it will be interesting to see if it’s just an outlier or perhaps it will be the first energy and oil company to break bearish as many are at the bottom of their equilibrium.
Investor Perspective – I can’t imagine the spike in cases in the US and Brazil we are seeing are giving people confidence of a strong reopening.
Gold Miners - Kirkland Lake Gold, Kinross Gold, Barrick Gold, Eldorado Gold, IAMGOLD, B2Gold, Yamana Gold, OceanGold.
Chart Perspective – This was all about GOLD. We had a strong charge over the weekend and opened right near resistance. Miners got the gap up and good early push. The problem is that we rejected May 18 resistance. Miners then proceeded to pullback with it. If GOLD can break that $1764 mark than $1800 test is likely. The miners would run hard. That said, one rejection today already. If we reject again tomorrow than we could see gold retreat a bit and miners take a dip.
Investor Perspective – I wrote in my intraday analysis and chat that this is the first time we have seen a strong push from the miners. Seeing SPY and most sectors keeping equilibrium, I can’t say we are seeing money flow from one sector to another just yet. It is something I am keeping my eye on.
Marijuana Stocks - Canopy, Aphria, Aurora, HEXO, Organigram. Cronos, and some US MSO’s.
Chart Perspective – 17 trading days in the new range post financials for WEED. Best believe when that breaks we are going to see some crazy follow through.
Investor Perspective – Still think that is going to be a bearish break as it’s a speculative sector tied to SPY.
Banks - BMO, RBC, Scotiabank, CIBC, Manulife, TD
Chart Perspective – Anyone watching can see we super tight. Whenever the break for SPY does come I expect most sectors will follow with their break.
Investor Perspective – See last week.
REITS - Brookfield, Smartcentres, Riocan, HR Real Estate
Chart Perspective – It was looking rough for BPY and HR there for a bit this morning but both managed to hold their equilibrium after we saw a test/slight break. From a chart perspective, they are all right at the bottom of their equilibriums and any downward pressure on the global markets would push these down a minimum of 5% until next support.
Tech - SHOP, Lightspeed, Real. OpenText, Kinaxis
Chart Perspective – I’ll make two separate analysis here. First, SHOP is looking toppy. It is outside of the BB and slightly overbought on the daily and the 4 hour keeps stepping up but less and less each time. I wouldn’t be surprised to see some red soon. REAL, LSPD, OTEX all getting some bounces as well but it’s to stay within equilibrium.
Investor Perspective – My brain tells me never to bet against tech companies but my gut is telling me short term red to break SPY bearish and bring everything down…but perhaps that is my bear bias.
Air Canada
Chart – I’m sure people in AC don’t mid seeing an equilibrium in the mid $18 range.
Investor – See last week.
Retail - Canadian Tire, Lululemon, Aritzia, Canada Goose, Loblaws
Chart – Same charts, same analysis as rest.
Investor – I do think Canada’s open is going way smoother than the US but I will be watching to see if the US spike has an affect on these companies.
submitted by TikiB to TBmarketanalysis [link] [comments]

June 17, 2020 - Market Analysis

Hello everyone,
You can read my thoughts during the day here.
And before I get into the day, a lot of people ask me when should I buy/sell a particular stock. I will say, although TA can give you some idea short term when to enter and exit, it is not for everyone and each of you should have your own game plan and strategy for investing/trading.
If any are interested in getting a paid subscription for tradingview than you can use my link: https://www.tradingview.com/gopro/?share_your_love=dannymannyboy.
Markets
Chart Perspective – As I covered in my daily comments, it was a nothing sideways day. Bears are scared to make a push down because of the FEDS, bulls are scared to keep pushing as we are near ATH territory and next round of financials are creeping up + bears showed they can make a push if needed. Even at the end of the day today we broke to a new LOD and it got bought up. Inside candle where you play the high and low of the previous day as short-term direction.
Investor Perspective – Short term bears are scared for FED pumps so I would say bulls have momentum but financials + election has me looking bear mid to long term.
Energy and Oil Companies - MEG Energy Corp, Crescent Point Energy, Cenovus Energy, CDN Natural Resources, Suncor Energy, Enbridge, Teck Resources Limited, Husky Energy, Vermillion
Chart Perspective – The majority of companies in these sectors have a similar chart which looks like this. REITS look the same and so do banks. For all of these the play is simple – watch the 5 day range and see what way it breaks. If that sounds obvious it’s because it is. For someone who uses TA, there is zero point in trying to guess which way it will break, you just play the break when it comes. So, if I was looking at these companies, if we break bullish there is 13%-15% upside until next resistance. If we break bearish there is about 11% - 12% downside until next supports.
Investor Perspective – So, for investor perspective I want to start looking at weekly trends because the argument I always see is, it is still x% lower than where we were in February. So looking at the weekly trends, a lot of these oil/energy names were in long term downtrends. Vermillion since 2016; CPG since 2014; even your high dividend Enbridge was sideways at best. So that should make you think longer term, maybe we aren’t going back up to what we were before since we were in downtrends to begin with.
Gold Miners - Kirkland Lake Gold, Kinross Gold, Barrick Gold, Eldorado Gold, IAMGOLD, B2Gold, Yamana Gold, OceanGold.
Chart Perspective - The day itself was whatever. Inside bars, green but nothing substantial. These ranges are miners are getting tight. We have basically two weeks worth of sideways action (sideways being a very loose term for 10% - 15%). I say sideways with that range because a 2 day chart looks like this after such volatile up and downs. Like most of these names that have settled into a sideways channel, play the range and the break. I’d say 15% downside and maybe 5% - 10% upside on breaks.
Investor Perspective – The weekly trends were okay leading to the crash. We had a bump in 2016, followed by downward movement but was heading back up and we are obviously higher now then we were as people flock to gold as safety in case there is another market crash.
Marijuana Stocks - Canopy, Aphria, Aurora, HEXO, Organigram. Cronos, and some US MSO’s.
Chart Perspective – And after the weird bump yesterday on Canopy, it’s giving it back and keeping it in its tight range. I mentioned a couple weeks of sideways on other names but Canopy is now 14 days sideways after financials fall.
Investor Perspective – So this weekly chart is why I am playing canopy long term over a name like Aphria or Aurora.
Banks - BMO, RBC, Scotiabank, CIBC, Manulife, TD
Chart Perspective – Same set up as energy/oil and REITS. Just like I have mentioned for last week. Play the range, if we break there is 3% to 7% downside before next support versus 2%-3% upside before next resistance.
Investor Perspective – You ride banks for their safety and dividends and that’s why the charts mostly look like this sideways since you get paid dividends.
REITS - Brookfield, Smartcentres, Riocan, HR Real Estate
Chart Perspective – Same 5 day triangle like set up we have seen before today. Bear break looking at 3.5% downside before next support and bull break at…a wide range depending on the name. Anywhere from 3.5% (HR), 6.5% (REI), 13% (BPY).
Tech - SHOP, Lightspeed, Real. OpenText, Kinaxis
Chart Perspective – Is this our next round of pushes to ATH or are we going to sell off soon? REAL looks like it hit an ATH but had some profit taking. Kinaxis set one yesterday but did not retest today. SHOP within 8%. After holding sideways for a couple weeks it looks like money has reentered as profit is being taken in other sectors.
Investor Perspective – Yeah this is basically what tech looks like over past 10 years. People riding this sector to ATH. With automation and new tech continuing to rule the world, I don’t know how you bet against tech long term.
Air Canada
Chart – Similar set up but weaker. 8% to support on bear break, 18% to resistance on bull break. \
Investor – So this is why I believe AC is always going to have people buying the dip. They see this chart and say people need planes to get to other countries. I believe that will help AC be propped up to a certain extent for a while. Now, if they have to get financing, that will be a different story.
Retail - Canadian Tire, Lululemon, Aritzia, Canada Goose, Loblaws
Chart – Nothing sideways days. I did go back and cover them at like 8pm last night in yesterday’s write up. Depending on the name the % varies but there seems to be way more downside (15%) than upside on breaks. Chalk it up to a run that happened when economies were re-opening.
Investor – This is why it’s tough to group different retail together. CTC weekly, Aritzia weekly, Goose weekly. It is very dependent on the company unlike banks which there is some slight variation but they generally move together and % wise as one.
submitted by TikiB to TBmarketanalysis [link] [comments]

Beyond Meat - Worth Buying Or Still Too Expensive?

Beyond Meat - Worth Buying Or Still Too Expensive?
Now that the first wave of hype has died down around Beyond Meat, we can take a step back and look at the fundamentals in a bit more detail. What makes Beyond tick, and are they set up for the future?

https://preview.redd.it/nq7h4dbqnp251.jpg?width=1000&format=pjpg&auto=webp&s=b6cf4543e6def779b257853e145edd40465f3b92
What Does Beyond Meat Do?
They are one of the fastest-growing food companies in the US, offering a portfolio of plant-based meats. There are a few players in this space, but Beyond has taken the approach of building meat directly from plants. In the fake-meat market, there are several blockers to converting traditional meat-eating customers, taste, texture and other sensory attributes. While at the same time aiming for the nutritional and environmental benefits of plant-based meat products.
While Beyond has their production facilities, they also co-manufacturer with other firms, this is how they have expanded into Canada and the Netherlands.
I'm going to list all the planet-based alternatives as we are here as investors, the important bit to understand is how they separate their business lines and revenue streams.

https://preview.redd.it/fdw5pydrnp251.jpg?width=1219&format=pjpg&auto=webp&s=16e0ac3fe47397d485ab9e0bb38fca2075334655
Source: Beyond Meat Q1 2020 Announcement
The business is split into four areas, first by Geography. With a strong home base, almost three-quarters of revenue comes from the US. The rest is simply classified as international.
If you have ever looked at Beyond's financials and these numbers seem wrong, they have recently reclassified international to include Canada, before this was considered part of the US (not sure how the Canadians felt about that.) The big figure to keep a close eye on is the international one. The CFO is extremely bullish about the Asian market, while there was a meat shortage scare in Asia that caused a brief rally for Beyond, this was speculation. However, the partner tests in the Asian markets have shown high demand either because of novelty or genuine customer desire to have an impact, whatever the reason, they will be entering Asia with a strong brand.
The other dimension of the business is how they distribute the products. Retail simply covers direct to end consumer sales, as well as supermarkets. The key difference is you are buying the branded product packaged up to prepare at home.
Foodservice means whenever you sell the product to a business who will prepare the product or alter it in some way before selling that onto the end customer. e.g. going to a bar and ordering a Beyond Burger with chips. The business who brought the burger from Beyond Meat would show up under the foodservice distribution channel.
With these two pieces of information, we can already tell Beyond's distribution and geographic positioning. At home, there is a big focus on selling to customers to enjoy at home, with some partnership tests e.g. KFC. Outside of the US, the biggest push is through foodservice companies.
Now that Canada is included as international, that would skew the retail figures. Being the second market they started pushing their retail offering, it has had far more time to develop and benefit from the American marketing.
How Has COVID-19 Impacted Beyond Meat?
COVID-19 has impacted us all different, and seeing how companies have reacted is telling of managements style and positioning. Beyond has kept its manufacturing fully operational and sent head office staff to work from home.
Innovation and R&D have both slowed down. As this is a company seeking to break new ground it's innovation efforts are key to its future growth. In-person and feet on the ground marketing efforts have been frozen, however, marketing and promotion is by no means taking a break.
The real risk here is the protein and ingredients they source are globally distributed, meaning they are feeling the squeeze from any overseas sources.
However, one risk has already been felt. The foodservice business. Restaurants and the whole food preparation as an industry has taken a nosedive. While Beyond opened the year with very strong momentum and a string of exciting new partnerships, stay at home orders flattened these plans.
However, this has led to an increase in people shopping and buying food themselves. Causing a bump in retail orders. This has offset some of the negative impacts but make no mistake, Q2 2020 is going to make for some bleak reading. Beyond has already signalled that Q2 will be worse than Q1 as their revenue is crushed but R&D and most activities have carried on, in short, they are in a cash burn situation expected to impact the whole of 2020.
If you are a big Beyond fan and wanted to know why there are no new partnerships or marketing, don't be surprised if they are delaying these until closer to the end of 2020 to create a more impactful 2021.
What About The Fundamentals?
I held Beyond Meat a while ago, and brought in around the hype as a momentum-based investment, I ended up locking in a nasty loss, meaning I am even more interested in how this looks compared to the rest of the market.

https://preview.redd.it/uhz96wcsnp251.png?width=713&format=png&auto=webp&s=b86260be2481c0fd3321b389fc7a2fae50f83075
Source: Genuine Impact
Underperforming the rest of the market, and grossly overvalued is about what I expected. However, if we want to understand what is going on with Beyond we need to dig into this some more.
It's no secret that Beyond Meat isn't a profitable company. But I want to see for myself what this means for their accounts and where the money is going. Last quarter Beyond brought in $354.76m and posted a loss of -$3.97M.
I am extremely off-put by the 33.49% gross margin. The cost of simply producing the goods is extremely high, leaving almost no room for any other activities or investment into scaling the business. All it takes is for a key supplier to increase their prices to force this gross margin as tight as possible. In terms of risks to the business, the scalability is at risk which such high production costs. Keep in mind the gross margin doesn't include R&D, marketing, one-off costs, or even admin activity. This should be the costs directly related to creating revenue.
If you are a dab hand at statistics you would have worked out the profit margin is -4.18%, meaning we are loss-making.

https://preview.redd.it/xqs084atnp251.jpg?width=1011&format=pjpg&auto=webp&s=ebfe4ba804aed692f5a7172c2b6daf5c015ba695
Source: Beyond Meat Q1 2020 Announcement
Now the quarterly report does show a small profit being made (there were some interest payments about half the value of the profit and a very very tiny amount of tax.) Which is great to see, but we already know they had a better than expected start to the year, with next quarter being a very serious drag. If it was not for COVID-19 Beyond was on the edge of posting it's first annual profit.

https://preview.redd.it/bbchmx6unp251.jpg?width=1386&format=pjpg&auto=webp&s=912a6746b498ff82a014c3fd3612b2d99bd44cf1
Source: Wallmine
Historically Beyond has struggled as it chased market share and brand promotion. With no dividend and a high growth strategy, and another year of losses ahead of us, there is little value as a shareholder. While Beyond is in this growth stage investors are taking a very long term view or holding for shorter-term share price improvement based on optimism.
One thing that did stand out to me was the debt control. In the cash screenshot, we can see the assets to debt being relatively well managed with a sudden boost in financing. I wanted to look at the recent quarters to understand what is happening in the short term.
$246.4m in cash, and $120.7m in inventory against $71.9m in current liabilities, with most of this, focused on accounts payable. Looking at the longer-term debt I only see $43.4m on the balance sheet. All in all, they aren't as leverage as I would expect from a high growth company.

https://preview.redd.it/7vv1f27vnp251.jpg?width=1386&format=pjpg&auto=webp&s=450a9299c46d353d119f4e6c3e3f0cd0a4017776
Source: Wallmine
I mentioned Beyond is very overvalued right now. After covering their finances this shouldn't be a big surprise.

https://preview.redd.it/8u6ukazvnp251.jpg?width=1484&format=pjpg&auto=webp&s=36d8c15757190c6218b47c05dffd91d527a8b153
Source: Yahoo Finance
We have a price to sales ratio of 24.33x, price to book of 22.47x, even the price to earnings to growth is a nasty 8.30x. In terms of buying Beyond based on their inventory or assets, it just doesn't justify the entry price.
Low-value high growth companies are very common, which represents the high level of risk involved with this strategy. Either we'll see the explosive increase in debt (thankfully they are low on debt so this is an option in a pinch) or a ramp-up in R&D spending resulting in more years of cash burn and loss-making.
I've been told I can't look at high growth, speculative, young companies like Beyond Meat in the same way as an established player. However, without the fundamentals and judging what risks we are comfortable taking, what will be basing our investment decisions on? As someone burnt once by Beyond Meat these valuations and deep speculative bets are a warning.
However, I am not an expert, that much should be clear. With that in mind, what do the sell-side experts have to say about Beyond Meat?

https://preview.redd.it/lf7ptzrwnp251.png?width=1080&format=png&auto=webp&s=67376536fc171538a1830fa65e3450c0a4b23986
Source: Genuine Impact
I am slightly surprised at the even split of analyst ratings. I wanted to dig into this some more, as analysts don't all rate at the same time, and given the market, a lot of them have been extremely busy.
We only have 9 analysts who have posted new guidance within the past month. Given how explosive the share price has been this does leave us behind a bit.

https://preview.redd.it/f4m5jhkxnp251.jpg?width=926&format=pjpg&auto=webp&s=8236139567499ea80870e3d28936a739591033bb
Source: MarketBeat
Ignoring the differences in analyst numbers, the striking aspect to me is the overwhelming sell shift and the lower target price. With the average coming in at a 30% discount on the price right now.
We have Bank of America setting a target price of $68 a share but on the other hand, BTIG believes it'll be $173 (both lower than what I paid but I'm not upset at all.) The range is huge. With spotty fundamentals, an extremely painful incoming 2020, and no clear dominant player in the market, this is a hard stock to judge.

https://preview.redd.it/wk5uvsaynp251.png?width=1080&format=png&auto=webp&s=6579e3d22571052745cc37708526715c0ec61837
Source: Genuine Impact
The future share price returns are a complete unknown, with poor confidence where it will be. Putting a value on the company results in an overvalued mess, but buying into the hype sets us up for 50% return expectations, with very little in between.
What we do agree on is the high growth of revenue and potential EPS in the future. We know 2020 is going to be another year of struggle, but looking past that we have seen great historic growth and we know they are on the edge of posting their first profitable year.
A Sell or A Hold?
As a recommendation, I would go with a hold stance. I sold out and locked in a loss because I wanted to deploy my money elsewhere. Unless you have that level of confidence then I wouldn't see a strong reason to redeploy your capital.
If you are comfortable with a five-year horizon then Beyond is well placed to expand and become a profitable player who can optimise their operations. There is scope for improvement.
I would strongly advise against a buy. 2020 is going to be disappointing, the next three quarters will be lower than expected. Beyond have even said they will push a lot of their strategy into 2021 and accept this will be a weaker year. If you are keen to buy into Beyond Meat, there will be better opportunities. As long as you are a long term believer then there is nothing for you to do, but if you brought into the hype, you will find a faster recovery elsewhere in the market.
This has been a very tricky stock to judge, and I always love to hear your feedback! Let me know if Beyond on your watch list? Or maybe you already brought in?
Stay safe and thanks for reading!
submitted by kano2005 to M1Finance [link] [comments]

Elkia SMP [Semi-Vanilla] [SMP] {Datapacks} {1.16.1} {Whitelist} {Discord} {New Nether}

Elkia SMP [Semi-Vanilla] [SMP] {Datapacks} {1.16.1} {Whitelist} {Discord} {New Nether}

Server Name: Elkia
IP Address: elkia.club
Server Location: Montreal, Canada
Version: 1.16.1
Game Type: Vanilla SMP, Survival, Hard
Admins: Cerx is the owner of the server. Tommin, Stormy, Goose and Jakob are the admins.

Server Rules

About Elkia

Elkia SMP is a friendly, Vanilla Survival Minecraft server. Our idea of a server is a Mindcrack/Hermitcraft-esque group. We are a whitelisted community to keep the community small and happy. Being a community oriented place, we have meetups every Wednesday where we might work on a large project, participate in an event, or play something completely different. Players also have meetups whenever they feel like it, it's always loads of fun, and a great way to meet the other people!
Our fifth season started a day after the release of 1.16, on June 24th. This time, we decided to use a Mushroom Island for our shopping district and spawn town, and all of the mycelium is already gone because of community effort. We have a somewhat functional Nether transport system on top of the Nether roof, but a proper hub is yet to be built. We're always on the lookout for new ideas, though, and we're looking for the creative type that always has some new things to build. If the game is over for you after beating the Ender Dragon, we might not be the place for you.
This is our classic trailer made by Cerx. It's called a trailer, but it's really more of a compilation of our stupidity, though a lot has changed since then - we're working on a new one, and it's hopefully ready to be released sometime soon.
We have some datapack setups running. Here's a list of the features:
All of these datapack setups do not alter vanilla gameplay other than a few minor, tedious features, and they're completely optional. We hope you like our special setups and we're always open to suggestions!
As we have mentioned in the rules, we request that you be mature. The age limit is set to 18+, but it isn't a requirement. All we ask is that you be a mature, open-minded person. We are open to taking in people from all ages, whether it's 14 or 40. We are very widely spread, with many people from the US, many from Europe, and a few from Australia. The goal of our server is to create a friendly, happy community, full of people from all over the world with completely different backgrounds and ideas.
We strive to make a tight-knit community, and again, we really want to see you active and participating in community discussions and events!

How can I apply?

Use this link - https://discord.gg/Tvrga58 - to join our discord server. Then, in the chat, leave your application. Make sure you've read the rules before doing so! It's a good idea to put some effort into your application. If you don't, you likely won't be whitelisted. Please include the following in your application:
Make sure that you've read the rules.
Please do not lie about anything in your application.
This template is in the welcome channel to copy/paste.
Thank you for reading about our server, we hope to see you on!
If you have any questions, be sure to ask us here in the comments or in our Discord!
submitted by JakobRH1 to mcservers [link] [comments]

Living (WELL) on minimum, or better, wage in Canada, I hopefully post I got idea from a post TONS of ppl seemed to enjoy and/or find helpful. I hope It helps more ppl

Living (WELL) on minimum, or better, wage in Canada:
This is a long one, and I got idea from a post TONS of ppl seemed to enjoy and/or find helpful. I hope It helps more ppl...SO:
..................PART 1......................
IMHO: If you want a "real life", aka one you can grow with a decent speed without renting just a bedroom in the middle of nowhere Alberta/Manitoba/Saskatchewan, you need to be in south-east BC or southern Ontario (no offence, but these are the "fast moving, lets grow" places for sub-$75K income working people).
Ontario , IMHO, is more suited to a "working to middle class" (sub $75K/year) income, has a vastly larger population, amount of cities and number of employers/jobs. That and the population helps lessen the cost of "basic housing", due to the vast amount of it, more so in the "just outside" of the GTA cities (Like: Hamiliton, Kitchener, London).
Basically dont eat lobster on a mac & cheese budget, same for your whole basic cost of living.
A "larger" city (population over 200,000) with lots of decent paying work and available affordable cost of living (cheap rent in livable areas), with free/cheap entertainment and ease of transit travel can be the difference from a redline budget to a exponentially growing financial life
Of them all when I did my research, best imho is: YES I LIVE HERE NOW
London Ontario, population: 400000, Its beautiful, friendly, youthful & low cost
Like anywhere it isnt perfect, but I came from just north of Toronto, compared to there this place is a "working mans paradise"
.......................... PART 2 .....................
ME: almost 39 (but youthful lol), multi-generational Canadian, European white, male, pretty average over-all
I now work in a typical, "my job isnt my life", easy factory job (17.25/hr), Do a "weekend custom's" computer service small side business, churn & take advantage of what i can like:
Combined, internet surfing alone, an avg $40+ in bonuses monthly "in my/your pocket"! (thats like $500 per year just for normal browser use)
Add PayTM (points used for Canadian utility/services payments at discount, can be bought with cashback credit card for more savings/gains), Receipt Hog (receipt scan/upload for hidden rebates/cashback), BillShark service (they fight to lower bills, you pay them half the difference), cashback & account interest, special "deal" cards from merchants like esso extra, CAA (CAA is insanely good even if you dont drive!) & ect...an easy $3.77 (average) back in my (& your) pocket for every $100 spent isnt a wild thing to pull off IF YOU CARE
The 1st best time to start was THEN, the 2nd best time to start is NOW

TO THE MONEY STUFF:

You should look into the 3 best no fee bank accounts (get all 3+, I can explain use if you like/need)
& use the "best" NO FEE Cashback credit card (research it or ask me)
................PART 3.................
EXAMPLE:

IE: The cashback ($25) added on to the original $1250 for a $1275 total, then apply 2.05% interest ($1275 x 1.0205 = $1301.1375) for ... for a total of $51.13 in monthly "gains" (or $60.06 @ 2.75%)

NOTE: Some people will mentioned a "bad" downtown
Downtowns anywhere, are normally "shady" after dusk/before dawn, ours is very "average" normal/safe too ... if your arnt there at 3am, drunk, holding a $500 cell phone & your wallet...
submitted by aazard to PersonalFinanceCanada [link] [comments]

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OpenBet Retail's Next Gen of Betting Shop Display

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