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_here39s-how-to-avoid-being-surprised-by-these-unexpected-expenses.jpg "Unexpected events can lead to unanticipated expenses, whether flood, fire, theft or even mechanical issues, here are a few ways to keep your cool when you're in the hot seat.")
⏲ 0:59 👁 2M
_young-drivers-and-the-rising-cost-to-start-driving.jpg "Young Drivers - The Cost Of Getting On The Road")
⏲ 1:4 👁 215K
_how-to-calculation-fixed-costs-and-variable-costs-in-financial-modeling.jpg "In financial modeling, calculating fixed costs and variable costs involves identifying the costs that remain constant regardless of production or sales volume (fixed costs) and those that vary with production or sales volume (variable costs). Here's how you can calculate them:<br/><br/>Identify Fixed Costs:<br/><br/>Fixed costs are expenses that do not change with the level of production or sales. They remain constant within a certain range of activity.<br/>Examples of fixed costs include rent, salaries of permanent staff, insurance premiums, depreciation, and property taxes.<br/>To calculate fixed costs, review the company's financial statements and identify expenses that are consistent over time and not directly tied to production or sales volume.<br/>Calculate Variable Costs:<br/><br/>Variable costs are expenses that change in proportion to the level of production or sales. As production increases, variable costs also increase, and vice versa.<br/>Examples of variable costs include raw materials, direct labor, sales commissions, packaging costs, and shipping expenses.<br/>To calculate variable costs, you can use historical data to determine the variable cost per unit or the variable cost as a percentage of sales revenue.<br/>Segregate Mixed Costs:<br/><br/>Some costs may have elements of both fixed and variable components, known as mixed costs.<br/>To segregate mixed costs into their fixed and variable components, you can use techniques like the high-low method, scattergraph method, or regression analysis.<br/>The high-low method involves selecting the highest and lowest activity levels and corresponding costs and then calculating the variable cost per unit and the total fixed cost.<br/>Build a Financial Model:<br/><br/>Incorporate the calculated fixed costs and variable costs into your financial model.<br/>Use formulas or functions in spreadsheet software to represent fixed costs and variable costs in your model.<br/>For example, you can use the SUM function to aggregate fixed costs, while multiplying the variable cost per unit by the level of activity (e.g., units sold) to calculate variable costs.<br/>Sensitivity Analysis:<br/><br/>Conduct sensitivity analysis to assess the impact of changes in production or sales volume on total costs.<br/>By varying the assumptions related to fixed costs and variable costs, you can analyze how different scenarios affect the company's profitability and financial performance.<br/>By accurately calculating fixed costs and variable costs in your financial model, you can better understand cost structures, conduct scenario analysis, and make informed decisions regarding pricing, production levels, and resource allocation.")
⏲ 3:17 👁 45K
_the-importance-of-workers--compensation-insurance.jpg "The importance of workers' compensation insurance in the workplace.<br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/>#workerscompensation, #workplacesafety, #employeecoverage, #insurancetips ,#insuranceexplained, #workplacepeace, #insuranceknowledge, #financialsecurity, #workersrights, #employmentcoverage, #workerscompensationexplained, #employeebenefits ,#workplaceprotection, #workersinsurance")
⏲ 0:11 👁 10K
_american-couple-who-used-healthcare-system-in-spain-shocked-by-cheap-3643-bill.jpg "An American couple who had to go to the doctor while on holiday in Spain were shocked when they came out with a $43 bill.<br/><br/>Todd and Melanie Maddex, 40 and 45, were holidaying in Valencia when Melanie fell ill. <br/><br/>After a week feeling under the weather with flu-like symptoms, Melanie decided to call a doctor. <br/><br/>Within two hours, Melanie had an appointment and picked up medication from the local pharmacy for the total sum of £34 ($43).<br/><br/>Todd, who runs a tech company in Tampa, Florida, USA, said: \")
⏲ 2:6 👁 3.4M
_chiefs-signing-carson-wentz-as-patrick-mahomes39-new-backup-for-2024-season-per-report.jpg "Carson Wentz began his NFL career with the Philadelphia Eagles. Now he'll suit up for the most accomplished Eagles head coach of all time ... in Kansas City. Almost a month after entering 2024 free agency, the veteran quarterback has signed a one-year deal with the Chiefs, as NFL Media reports, to work under Andy Reid as Patrick Mahomes' new backup.<br/><br/>Wentz, 31, last played for the Los Angeles Rams, appearing in three games as Matthew Stafford's No. 2 last season. His move to the Chiefs marks the fourth time he's changed teams in as many years, but it comes after a brief but well-regarded stint under Sean McVay, during which he led the Rams to a Week 18 victory en route to the playoffs.<br/><br/>In Kansas City, Wentz immediately becomes the favorite to serve as Reid's top insurance for Mahomes, with incumbent backup Blaine Gabbert still unsigned in free agency. The Chiefs have preferred an experienced veteran in the No. 2 spot, previously deploying Chad Henne. And Wentz offers plenty of experience, with 93 career starts under his belt.<br/><br/>Originally drafted No. 2 overall by the Eagles in 2016, four years after Reid exited Philadelphia, Wentz spent his first five seasons in green. He was an MVP candidate in year two, but a late-season ACL tear sidelined him for the Eagles' historic Super Bowl run, and mercurial results the ensuing three years contributed to an abrupt departure ahead of the 2021 campaign. Traded to the Indianapolis Colts, Wentz lasted just one season in Indy before a trade to the Washington Commanders. He went 2-5 as a starter in D.C. before his release, and he didn't join the Rams until November of 2023.<br/>")
⏲ 3:8 👁 75K
_how-to-deduce-cash-flows.jpg "Deducing cash flows involves analyzing financial data to understand the sources and uses of cash within a business over a specific period. Here's how you can deduce cash flows:<br/><br/>Start with the Cash Flow Statement: The cash flow statement provides a summary of a company's cash inflows and outflows from operating, investing, and financing activities. Begin by examining the cash flow statement to understand the overall cash flow picture.<br/><br/>Analyze Operating Activities:<br/><br/>Identify cash inflows from operating activities, such as cash receipts from customers, interest received, and dividends received.<br/>Deduce cash outflows related to operating activities, including payments to suppliers, employees, and other operating expenses.<br/>Consider Changes in Working Capital:<br/><br/>Analyze changes in working capital accounts, such as accounts receivable, accounts payable, and inventory.<br/>Increases in working capital typically represent cash outflows, while decreases represent cash inflows.<br/>Assess Investing Activities:<br/><br/>Identify cash inflows from investing activities, such as proceeds from the sale of assets or investments.<br/>Deduce cash outflows related to investing activities, such as purchases of property, plant, and equipment (PP&E) or investments in securities.<br/>Evaluate Financing Activities:<br/><br/>Identify cash inflows from financing activities, such as proceeds from issuing debt or equity securities.<br/>Deduce cash outflows related to financing activities, such as debt repayments, dividend payments, or share repurchases.<br/>Analyze Non-Operating Items:<br/><br/>Consider any non-operating cash flows, such as proceeds from legal settlements, insurance claims, or extraordinary items.<br/>Deduce the impact of these non-operating items on overall cash flows.<br/>Compare to Income Statement and Balance Sheet:<br/><br/>Compare the cash flow statement with the income statement and balance sheet to ensure consistency and identify any discrepancies.<br/>Analyze how changes in income statement and balance sheet accounts translate into cash flow movements.<br/>Adjust for Non-Cash Items:<br/><br/>Consider non-cash items included in the income statement, such as depreciation, amortization, and stock-based compensation.<br/>Deduct these non-cash expenses from net income to determine cash flows from operating activities.<br/>Document Assumptions and Methodologies:<br/><br/>Document the assumptions and methodologies used to deduce cash flows, including any adjustments or estimates made.<br/>Provide clear explanations for the rationale behind adjustments and assumptions.<br/>Regularly Review and Update:<br/><br/>Regularly review and update the analysis as new financial data becomes available or business conditions change.<br/>Adjust assumptions and methodologies as needed to reflect actual performance and evolving circumstances.<br/>By following these steps and employing sound financial analysis techniques, you can effectively deduce cash flows and gain insights into the cash flow dynamics of a business.")
⏲ 5:6 👁 30K
_example-home-depot-1985-three-weeks-to-live.jpg "<br/>Natural changes, such as fluctuations in weather patterns, natural disasters, or environmental factors, can have significant impacts on financial modeling, particularly for industries and businesses sensitive to these changes. Here are some potential impacts:<br/><br/>Revenue Variability: Industries such as agriculture, energy, tourism, and insurance can experience revenue fluctuations due to natural changes. For example, a drought may reduce crop yields for agricultural companies, leading to lower revenue projections. Similarly, hurricanes or earthquakes can disrupt tourism activities or damage infrastructure, affecting revenue streams for businesses in the hospitality sector.<br/><br/>Supply Chain Disruptions: Natural disasters or extreme weather events can disrupt supply chains, leading to delays in production, distribution, or procurement of raw materials. This can impact inventory levels, lead times, and production costs, affecting financial projections and profitability.<br/><br/>Insurance Costs: Businesses may incur higher insurance premiums or unexpected claims expenses due to natural changes. For example, property and casualty insurance costs may increase in regions prone to hurricanes, floods, or wildfires, impacting operating expenses and profitability.<br/><br/>Capital Expenditure Planning: Natural changes can influence capital expenditure decisions, particularly for infrastructure-intensive industries such as utilities, transportation, or construction. For example, companies may need to invest in upgrading infrastructure to withstand extreme weather events or mitigate environmental risks, impacting cash flow projections and capital allocation strategies.<br/><br/>Regulatory Compliance: Natural changes can lead to changes in regulatory requirements or environmental regulations, impacting compliance costs and reporting obligations. For example, stricter regulations on emissions or waste management may require companies to invest in compliance measures or incur fines for non-compliance, affecting financial performance and cash flow.<br/><br/>Investor Sentiment: Natural changes can influence investor sentiment and market perceptions, particularly for industries directly impacted by these changes. For example, a series of natural disasters may lead to increased investor concern about the stability and sustainability of businesses operating in affected regions, leading to changes in stock prices and market valuations.<br/><br/>Long-Term Planning: Natural changes can have long-term implications for business strategy and planning. For example, businesses may need to incorporate climate change projections or environmental sustainability considerations into their strategic planning processes, affecting investment decisions, product development strategies, and market positioning over the long term.")
⏲ 3:6 👁 15K
_paradise-2023fullmovie-in-engllish.jpg "Paradise (2024) United States Movie English Sub<br/>All Languages | Hungary | English | Spanish | Franch | German | Italiano |Dutch |Japan<br/>Watch on website - >> \")
⏲ 1:29:14 👁 30K
_protecting-your-assets-insurance-essentials-for-financial-security.jpg "Protect your assets and safeguard your wealth with our guide to insurance essentials. Learn how to choose the right insurance policies and protect yourself against unforeseen risks.<br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/>#mentalhealthmatters, #mindfulness, #selfcare, #stressrelief, #emotionalwellness, #mentalhealthawareness, #mindfulnesspractice, #selflove, #mentalwellbeing, #selfcaretips, #positivity, #mentalclarity, #stressmanagement, #mentalstrength, #mindsetmatters")
⏲ 0:12 👁 10K
_impressive-smoke-rings-on-etna-volcano-italy.jpg "This amazing phenomenon was seen a few hours ago on the most active volcano in Europe, being captured by several people who were in the area.")
⏲ 0:34 👁 5K
_conservatives-want-to-keep-taxes-down-chancellor-says-ahead-of-national-insurance-cut.jpg "Chancellor Jeremy Hunt says it has always been his party's ambition to bring down taxes and praised the national insurance cut which will drop from 10% to 8% from April 6 – the first day of the 2024-25 tax year.")
⏲ 0:41 👁 5K
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_here39s-how-to-avoid-being-surprised-by-these-unexpected-expenses.webp "Unexpected events can lead to unanticipated expenses, whether flood, fire, theft or even mechanical issues, here are a few ways to keep your cool when you're in the hot seat.")
_young-drivers-and-the-rising-cost-to-start-driving.webp "Young Drivers - The Cost Of Getting On The Road")
_how-to-calculation-fixed-costs-and-variable-costs-in-financial-modeling.webp "In financial modeling, calculating fixed costs and variable costs involves identifying the costs that remain constant regardless of production or sales volume (fixed costs) and those that vary with production or sales volume (variable costs). Here's how you can calculate them:<br/><br/>Identify Fixed Costs:<br/><br/>Fixed costs are expenses that do not change with the level of production or sales. They remain constant within a certain range of activity.<br/>Examples of fixed costs include rent, salaries of permanent staff, insurance premiums, depreciation, and property taxes.<br/>To calculate fixed costs, review the company's financial statements and identify expenses that are consistent over time and not directly tied to production or sales volume.<br/>Calculate Variable Costs:<br/><br/>Variable costs are expenses that change in proportion to the level of production or sales. As production increases, variable costs also increase, and vice versa.<br/>Examples of variable costs include raw materials, direct labor, sales commissions, packaging costs, and shipping expenses.<br/>To calculate variable costs, you can use historical data to determine the variable cost per unit or the variable cost as a percentage of sales revenue.<br/>Segregate Mixed Costs:<br/><br/>Some costs may have elements of both fixed and variable components, known as mixed costs.<br/>To segregate mixed costs into their fixed and variable components, you can use techniques like the high-low method, scattergraph method, or regression analysis.<br/>The high-low method involves selecting the highest and lowest activity levels and corresponding costs and then calculating the variable cost per unit and the total fixed cost.<br/>Build a Financial Model:<br/><br/>Incorporate the calculated fixed costs and variable costs into your financial model.<br/>Use formulas or functions in spreadsheet software to represent fixed costs and variable costs in your model.<br/>For example, you can use the SUM function to aggregate fixed costs, while multiplying the variable cost per unit by the level of activity (e.g., units sold) to calculate variable costs.<br/>Sensitivity Analysis:<br/><br/>Conduct sensitivity analysis to assess the impact of changes in production or sales volume on total costs.<br/>By varying the assumptions related to fixed costs and variable costs, you can analyze how different scenarios affect the company's profitability and financial performance.<br/>By accurately calculating fixed costs and variable costs in your financial model, you can better understand cost structures, conduct scenario analysis, and make informed decisions regarding pricing, production levels, and resource allocation.")
_the-importance-of-workers--compensation-insurance.webp "The importance of workers' compensation insurance in the workplace.<br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/>#workerscompensation, #workplacesafety, #employeecoverage, #insurancetips ,#insuranceexplained, #workplacepeace, #insuranceknowledge, #financialsecurity, #workersrights, #employmentcoverage, #workerscompensationexplained, #employeebenefits ,#workplaceprotection, #workersinsurance")
_american-couple-who-used-healthcare-system-in-spain-shocked-by-cheap-3643-bill.webp "An American couple who had to go to the doctor while on holiday in Spain were shocked when they came out with a $43 bill.<br/><br/>Todd and Melanie Maddex, 40 and 45, were holidaying in Valencia when Melanie fell ill. <br/><br/>After a week feeling under the weather with flu-like symptoms, Melanie decided to call a doctor. <br/><br/>Within two hours, Melanie had an appointment and picked up medication from the local pharmacy for the total sum of £34 ($43).<br/><br/>Todd, who runs a tech company in Tampa, Florida, USA, said: \")
_chiefs-signing-carson-wentz-as-patrick-mahomes39-new-backup-for-2024-season-per-report.webp "Carson Wentz began his NFL career with the Philadelphia Eagles. Now he'll suit up for the most accomplished Eagles head coach of all time ... in Kansas City. Almost a month after entering 2024 free agency, the veteran quarterback has signed a one-year deal with the Chiefs, as NFL Media reports, to work under Andy Reid as Patrick Mahomes' new backup.<br/><br/>Wentz, 31, last played for the Los Angeles Rams, appearing in three games as Matthew Stafford's No. 2 last season. His move to the Chiefs marks the fourth time he's changed teams in as many years, but it comes after a brief but well-regarded stint under Sean McVay, during which he led the Rams to a Week 18 victory en route to the playoffs.<br/><br/>In Kansas City, Wentz immediately becomes the favorite to serve as Reid's top insurance for Mahomes, with incumbent backup Blaine Gabbert still unsigned in free agency. The Chiefs have preferred an experienced veteran in the No. 2 spot, previously deploying Chad Henne. And Wentz offers plenty of experience, with 93 career starts under his belt.<br/><br/>Originally drafted No. 2 overall by the Eagles in 2016, four years after Reid exited Philadelphia, Wentz spent his first five seasons in green. He was an MVP candidate in year two, but a late-season ACL tear sidelined him for the Eagles' historic Super Bowl run, and mercurial results the ensuing three years contributed to an abrupt departure ahead of the 2021 campaign. Traded to the Indianapolis Colts, Wentz lasted just one season in Indy before a trade to the Washington Commanders. He went 2-5 as a starter in D.C. before his release, and he didn't join the Rams until November of 2023.<br/>")
_how-to-deduce-cash-flows.webp "Deducing cash flows involves analyzing financial data to understand the sources and uses of cash within a business over a specific period. Here's how you can deduce cash flows:<br/><br/>Start with the Cash Flow Statement: The cash flow statement provides a summary of a company's cash inflows and outflows from operating, investing, and financing activities. Begin by examining the cash flow statement to understand the overall cash flow picture.<br/><br/>Analyze Operating Activities:<br/><br/>Identify cash inflows from operating activities, such as cash receipts from customers, interest received, and dividends received.<br/>Deduce cash outflows related to operating activities, including payments to suppliers, employees, and other operating expenses.<br/>Consider Changes in Working Capital:<br/><br/>Analyze changes in working capital accounts, such as accounts receivable, accounts payable, and inventory.<br/>Increases in working capital typically represent cash outflows, while decreases represent cash inflows.<br/>Assess Investing Activities:<br/><br/>Identify cash inflows from investing activities, such as proceeds from the sale of assets or investments.<br/>Deduce cash outflows related to investing activities, such as purchases of property, plant, and equipment (PP&E) or investments in securities.<br/>Evaluate Financing Activities:<br/><br/>Identify cash inflows from financing activities, such as proceeds from issuing debt or equity securities.<br/>Deduce cash outflows related to financing activities, such as debt repayments, dividend payments, or share repurchases.<br/>Analyze Non-Operating Items:<br/><br/>Consider any non-operating cash flows, such as proceeds from legal settlements, insurance claims, or extraordinary items.<br/>Deduce the impact of these non-operating items on overall cash flows.<br/>Compare to Income Statement and Balance Sheet:<br/><br/>Compare the cash flow statement with the income statement and balance sheet to ensure consistency and identify any discrepancies.<br/>Analyze how changes in income statement and balance sheet accounts translate into cash flow movements.<br/>Adjust for Non-Cash Items:<br/><br/>Consider non-cash items included in the income statement, such as depreciation, amortization, and stock-based compensation.<br/>Deduct these non-cash expenses from net income to determine cash flows from operating activities.<br/>Document Assumptions and Methodologies:<br/><br/>Document the assumptions and methodologies used to deduce cash flows, including any adjustments or estimates made.<br/>Provide clear explanations for the rationale behind adjustments and assumptions.<br/>Regularly Review and Update:<br/><br/>Regularly review and update the analysis as new financial data becomes available or business conditions change.<br/>Adjust assumptions and methodologies as needed to reflect actual performance and evolving circumstances.<br/>By following these steps and employing sound financial analysis techniques, you can effectively deduce cash flows and gain insights into the cash flow dynamics of a business.")
_example-home-depot-1985-three-weeks-to-live.webp "<br/>Natural changes, such as fluctuations in weather patterns, natural disasters, or environmental factors, can have significant impacts on financial modeling, particularly for industries and businesses sensitive to these changes. Here are some potential impacts:<br/><br/>Revenue Variability: Industries such as agriculture, energy, tourism, and insurance can experience revenue fluctuations due to natural changes. For example, a drought may reduce crop yields for agricultural companies, leading to lower revenue projections. Similarly, hurricanes or earthquakes can disrupt tourism activities or damage infrastructure, affecting revenue streams for businesses in the hospitality sector.<br/><br/>Supply Chain Disruptions: Natural disasters or extreme weather events can disrupt supply chains, leading to delays in production, distribution, or procurement of raw materials. This can impact inventory levels, lead times, and production costs, affecting financial projections and profitability.<br/><br/>Insurance Costs: Businesses may incur higher insurance premiums or unexpected claims expenses due to natural changes. For example, property and casualty insurance costs may increase in regions prone to hurricanes, floods, or wildfires, impacting operating expenses and profitability.<br/><br/>Capital Expenditure Planning: Natural changes can influence capital expenditure decisions, particularly for infrastructure-intensive industries such as utilities, transportation, or construction. For example, companies may need to invest in upgrading infrastructure to withstand extreme weather events or mitigate environmental risks, impacting cash flow projections and capital allocation strategies.<br/><br/>Regulatory Compliance: Natural changes can lead to changes in regulatory requirements or environmental regulations, impacting compliance costs and reporting obligations. For example, stricter regulations on emissions or waste management may require companies to invest in compliance measures or incur fines for non-compliance, affecting financial performance and cash flow.<br/><br/>Investor Sentiment: Natural changes can influence investor sentiment and market perceptions, particularly for industries directly impacted by these changes. For example, a series of natural disasters may lead to increased investor concern about the stability and sustainability of businesses operating in affected regions, leading to changes in stock prices and market valuations.<br/><br/>Long-Term Planning: Natural changes can have long-term implications for business strategy and planning. For example, businesses may need to incorporate climate change projections or environmental sustainability considerations into their strategic planning processes, affecting investment decisions, product development strategies, and market positioning over the long term.")
_paradise-2023fullmovie-in-engllish.webp "Paradise (2024) United States Movie English Sub<br/>All Languages | Hungary | English | Spanish | Franch | German | Italiano |Dutch |Japan<br/>Watch on website - >> \")
_protecting-your-assets-insurance-essentials-for-financial-security.webp "Protect your assets and safeguard your wealth with our guide to insurance essentials. Learn how to choose the right insurance policies and protect yourself against unforeseen risks.<br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/><br/>#mentalhealthmatters, #mindfulness, #selfcare, #stressrelief, #emotionalwellness, #mentalhealthawareness, #mindfulnesspractice, #selflove, #mentalwellbeing, #selfcaretips, #positivity, #mentalclarity, #stressmanagement, #mentalstrength, #mindsetmatters")
_impressive-smoke-rings-on-etna-volcano-italy.webp "This amazing phenomenon was seen a few hours ago on the most active volcano in Europe, being captured by several people who were in the area.")
_conservatives-want-to-keep-taxes-down-chancellor-says-ahead-of-national-insurance-cut.webp "Chancellor Jeremy Hunt says it has always been his party's ambition to bring down taxes and praised the national insurance cut which will drop from 10% to 8% from April 6 – the first day of the 2024-25 tax year.")
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