Why Snapchat Looks Very Overpriced

Prior to Snapchat’s initial public offering (IPO), the shares of this popular social media company were priced at $17 each. This valued the company at $20 billion. In the first days of trading, the shares went up more than 20%, bringing the market capitalization to over $30 billion. According to a recent Forbes article, there are several reasons why it may not be a good buy.

 

First of all, growth is slowing. So Snapchat may not grow enough to justify its hefty market valuation. This company also doesn’t appeal to everyone. While millennials and kids love it, it is not so popular among older generations. Another reason is that this company is losing lots of money. Last year, it has lost over $500 million. And the present valuation is over 21 times Snapchat’s 2017 revenues.

 

Then, investors get no voting power. The founders control most of it. Yet another reason that should worry investors is that Snapchat’s ideas are copied by other social media giants. Facebook has introduced video-reel on its Instagram product. This is similar to Snap’s stories. Finally, initial investors are locked for six months from selling the shares, so once that period expires, they may rush to unload.

 

At this point, nothing is set in stone about how Snap’s shares will perform. Its market cap is less than 10% of Facebook’s, but is already more than that of Twitter. Analysts are worried that Snapchat’s stock price is more likely to follow Twitter’s and lose investors money rather than Facebook’s stock, which has been growing steadily. The conclusion is that buying Snapchat shares is very risky.

 

How Banking Capital Has Become A Top Contender In Banking

Banking is one of those service or services that has it’s place in society. Without banking, the world would be a much dangerous place especially because it deals with money. There are literally hundreds of banks across this great country of ours. Some being national styled banks while others are more of a regional style. NexBank Capital is one of the premier banking institutions in the nation. This Dallas, Texas institution stands at the top of the regional banking industry thanks to it’s myriad of innovative services. NexBank Capital’s ability to evolve with the times has made it into a powerhouse as it’s now able to compete with the much larger national banking institutions and this is why.

Having the ability to host or to provide a broad range of services is crucial for growth. NexBank Capital personifies this best with it’s wide array of services that includes:

  • Treasury Management
  • Public Funds
  • Warehouse Lending
  • Real Estate Investment
  • Credit Services
  • Agency Services
  • Real Estate Advisory
  • Certificate of Deposits
  • And many more

Evolution is the key and since it’s birth as “Heritage Bank” in the beginning, NexBank Capital has become a top regional bank. Any great organization must have great leadership and John Holt epitomizes this notion best. John Holt is the President and CEO here. He’s done a wonderful job with the bank’s growth, the introduction of newer services, as well as implementing advanced technology into the program. Not only does the bank specialize in commercial, investment, and mortgage banking, it offers services for other financial institutions, large corporations, and middle market companies. NexBank Capital has found a winning strategy that many other banks can follow for success.

 

What Sheryl Underwood Has To Say About The Dherb Vegan Full Body Cleanse

 

Sheryl Underwood announced on the Steve Harvey Morning Show that she has been using Dherbs Full Body Cleanse and lost five pounds in less than a week. She thanked Steve and the cast for introducing her to the cleanse. Sheryl added that she had been exercising with her trainer and eating healthy. She commented on her active life, including receiving an upcoming award, as she will continue to stay on the cleanse.

 

The Vegan Full Body Cleanse 20 Day all-natural program is the one that Sheryl decided to try. Dherbs created this cleanse to detoxify, rejuvenate, and strengthen the body. It actively works on improving the immune system and skin complexion while boosting energy levels. The cleanse can also regulate elimination issues.

 

Sheryl found that the cleanse aided in her losing weight. Additionally, this program can lesson sugar and empty carb cravings such as junk food. The cleanse can help create a more positive day-to-day view on your life and a greater ability to mentally focus on tasks and problem-solving.

According to reviewers, The Dherbs.com Full Body Cleanse comes complete with 6 formulas:

 

Kidneys, Bladder, and Adrenals –

Colon and Digestive Tract –

Lungs & Respiratory –

Cardiovascular

Blood and Lymphatic

Liver and Gallbladder

 

This program includes activated charcoal and a 20-page instructional booklet. The booklet outlines a raw food dietary plan and instructions on when to take the capsules. Additional suggestions, in the booklet, relate to exercises and other information that can enhance the effects of the cleanse in your body.

Your Health is Your Wealth! Get Fit With These 5 Practices

Dherbs.com offers great recipes, support, and additional information on this cleanse such as Full Body Cleanse Companion and Alternative Diet and Lifestyle Manual e-books. Check out this company’s many other all natural health products.

 

Dherbs.com is a company committed to your health and a healthy body providing products to help achieve that goal.  Shop them on Amazon, if you just want to dip your toes without committing to a full long Dherbs.com cleanse.

Are Political Posts Hurting Facebook?

Facebook is supposed to be a wonderful place where people can socialize. For untold scores of millions of people, it is. Others seem to be fighting more than socializing. Others prefer not to fight and just throw in the towel. Welcome to the world of political feuds on social media. There may be some humor to all this, but Facebook does need to worry about potential business losses. And those losses may pile up one day.

 

Facebook, the company, is not really doing anything wrong. The members of the social media site are simply sharing their opinions. Personal political opinions and the sharing of political news and commentary links does come with consequences. Satisfaction in Facebook is declining and people are not using the site as much. That is bad news for Facebook.

 

Now, Facebook is not on the verge of collapse. The company is still successful. People are just using the social media platform less because they are tired of being exposed to political sermons. Someone looking for fun and engagement probably doesn’t want to be exposed to heated conversations. So they use Facebook less.

 

The trouble for Facebook is the company is advertising supported. Fewer people using the platform put the engagement levels of advertising at risk. Advertisers who fail to see decent returns on their investment probably won’t pay for more ads. That is a formula for declining revenues.

 

Facebook might wish to consider a filtering option to keep politically-themed posts off of timelines. Someone who “opts out” of politics won’t have to look at displeasing threads. Hopefully, this would keep the person continually using the mostly fun Facebook platform.

 

 

 

Vinny Parascandola Provides Insurance Industry Expertise For AXA Advisors

People have certain things in common. The amount of money, fame, or social status does not take away from people having certain things in common. While there are many things that people do that are different, there are things such as insurance that are common among most people. Insurance is a part of life for most people. Insurance allows people to be able to have a level of comfort in their lives in relation to family, friends, business, and the future.

Many people look at insurance as a necessity. Insurance such as life and health insurance are purchased by millions of people. These types of insurance along with other types of insurance provide people with help in a time of need. If people have a medical situation or an automobile accident, insurance gives people a third party that can help them regarding advice, assistance, and money related to the insurance situation.

In the world today, there are many ways that people can purchase insurance. One of the most traditional ways is purchasing insurance from an insurance agent. In many ways, the insurance agent is an important part of the insurance industry. The insurance agent provides people with someone who understands the insurance industry, insurance, and what insurance is best regarding various situations.

An insurance company that has provided and continues to provide people access to experienced insurance agents is AXA Advisors. The company is recognized as a quality insurance company that offers a wide variety of insurance related products and services. AXA Advisors was founded over a century ago. The company has gone through several name changes over the years. The current name of AXA Advisors was given several decades ago.

Vinny Parascandola is a senior level executive at AXA Advisors. He has shown an outstanding ability to make sound business decisions. Vinny Parascandola serves as a vice president at a North American office of AXA Advisors. The company is a global company with offices in locations around the world.

Vinny Parascandola has numerous responsibilities in his role as a vice president. He is given the responsibility of managing various areas of the insurance company. Vinny has produced excellent results as a senior executive at AXA Advisors.

Twitter Shares Fall Further

Twitter shares fell over 10% after the fourth quarter revenues have disappointed. Growth in sales has fallen for tenth quarter in a row to $717 million. The net loss was $167 million, which stands for 23 cents per share. Without certain expenses, Forbes reports, the company would have earned close to $120 million.

 

In comparison to Facebook, Twitter monetizes its users at 50 percent the rate. Meanwhile, monthly active user base has grown to 319 million, representing 4% increase. Last quarter, two million new users were added. Twitter also announced first quarter expectations. The earnings before taxes are expected to fall between $75 million and $95 million, which is far less than $190 million expected previously by the analysts covering the company.

 

According to Twitter’s Chief Operating Officer, Anthony Noto, growth in revenues will lag. One reason is increasing competition for advertising dollars, the other is related to de-emphasis of certain products.

 

“We’re focusing our investments on revenue products that strengthen our unique value proposition, especially in live and video,” claimed Noto. He added that positive feedback has been received from advertising partners.

 

In comparison to Facebook, Twitter is losing steam when it comes to attracting a larger user base. For instance, Facebook-owned Instagram has 600 million monthly users. And when users were asked which social media platform they’d choose if they had only one choice, two-thirds said they would choose Facebook, while only six percent would opt for Twitter.

 

Back in 2014, Twitter shares were trading close to $70, now the price has fallen under $16. After a new social media IPO came from Snapchat, analysts are already comparing the latter company to Twitter rather than Facebook. Presently, Snapchat’s market cap exceeds $30 billion, while Twitter’s is around 40 percent of it. On the other side, the market values Facebook is close to $400 billion.

 

Snapchat Goes Public

Snapchat is six years old and has become popular among younger generations. It allows users to take pictures and add cartoonish images with this app. This social media company just went public and now trades on NADSAQ under symbol “SNAP.”

 

Within the first couple of days, the stock price rose substantially, and now the company is worth $30 billion. This makes a Price/Sale ratio of 77, while the company isn’t profitable yet. This worries many analysts who feel the price isn’t warranted by fundamentals. But, speculators love to trade it.

 

According to CNN Money, Snapchat is now worth more than Delta Airlines or CBS. In fact, its market value is higher than that of nearly 400 companies on the S&P 500 list.

 

The company lost over $500 million last year, and this is up from over $370 the year earlier.

 

In the past, investors who bought Facebook and Google have prospered. But Twitter has disappointed investors. What makes Snapchat so special to warrant its valuation? Some believe the company has lots of potential when it comes to monetization. Others don’t think this stock is worth the money.

 

“It is significantly overvalued…We value Snap at $10 per share,” claimed Brian Wiesel, an analyst at Pivotal Research.

 

What’s more, Snapchat’s user growth has halted in the last months of 2017 after Facebook launched Instagram feature that copies much of what Snapchat has to offer.

 

Whether overvalued or not, investors won’t have much to say yet. The majority of the votes are in the hands of Snapchat’s founders.

 

 

 

Snap’s Core Mission Powers Its Rise

Social media connects consumers directly with a digital product and/or service. That kind of reach, coupled with instant gratification, has changed how businesses offer products and services and even how they establish business structures. Take Snapchat, or Snap Inc., as it is now called. The company is now a camera company, not a social media company. On March 2 it went public and earned $3.4 billion on the first day of trading.

 

What follows is a quick timeline explaining how a social media app transformed into a high-tech company. Here’s a hint: self-confidence and adherence to a core mission.

 

By now, most people know that the Snapchat app distinguished itself from other social media apps by making pictures and posts disappear. For teens, whose social media is prone to adult monitoring, this fulfilled an essential need. It took some time before the app caught on, but once it did the number of Snapchat users surpassed the number of Poke users, the Facebook competitor. When Facebook offered to buy Snapchat for $3 billion, Snapchat CEO Evan Spiegel turned it down. That’s the example of self-confidence.

 

An example of core mission adherence is seen throughout Snapchat’s evolution. When Snapchat offered new services to remain competitive, they stuck with their original mission. They stuck with photos and pictures. From geo-filters to funny filters and photo-based stories, Snapchat never offered extraneous options or branched out into non-photo-based services.

 

Before going public, Snap Labs was hard at work on smart glasses. These glasses are meant to take pictures. Simultaneously, Snapchat shifted its industry description. It is now a camera company. Social media companies and start-ups should pay attention. Snap’s social media has become a platform for its products. The platform is no longer the product. Photos, not social media, were always the core mission.

 

Jim Hunt and VTA Publications: Changing The World

Updates on Mar 24th, 2017: VTA has gone the extra mile to provide resources for those that want to get into investing but just don’t know how. In addition to their popular pay distance learning courses, Jim Hunt has started a VTA Publications blog to provide in depth information to investors that haven’t spent a penny saving for retirement yet. But they’ve also expanded their social media reach with both a VTA Publications Twitter page, as well as a Facebook. Check out both if you want to know more, or if you’re just looking to check out new information about VTA Publications as it becomes available.

Updates on Dec 11th, 2016: Proving that he’s the embodiment of the system he sells, Jim Hunt of VTA Publications spoke to Ideamensch.com about his ideas, and his business model. Topics ranged from his unique wealth system, to the methods he employs and how he’s developed the VTA Publications empire. Be sure to check it out for a different side of Jim, and a better understanding of what makes him special.

Jim Hunt of VTA Publications understands finance enough to put his reputation on the line in front of the international mainstream media. In fact, this seems to be his goal–Jim Hunt wants the world to know his new proprietary investment strategy. He purports to have a method of financial increase so successful that only a thousand dollars can be turned into a million with just ten easy trades. Jim plans to preview this method for the world on YouTube.com with the money of his mom. His idea is to get as many watching as possible so he can prove how simple it is to make $1,000 add three more zeros in the middle.

Jim Hunt is a very successful financial investor who has spent years learning the ins and the outs of the market. Finding initial capital doesn’t seem to be the hard part; nor does the trading. What is difficult is the finding of stocks which will be successful. Oftentimes people lose out on the stock market because they don’t do the research, they don’t look at the signs, they get antsy and they make their bids either too late or too early. Hunt’s proprietary technique aims to help correct that with proper study.

VTA Publications provides learning materials for long-distance learners who are interested in techniques like Hunt’s. VTA Publications publishes non-fiction coursework, and they have a veritable lexicon of financial and economic materials to choose from. Additionally, this group functions as a booker. They regularly bring seminars and conventions speakers of the caliber Mr. Hunt can boast.

If these truths can be capitalized on, why shouldn’t they be? If they can be shared, wouldn’t that be the right thing to do? To that end, Hunt seems to be blowing the whistle on financial cronies by allowing anyone willing to put forth the time, energy, and initial investment capital a chance at becoming a millionaire. This is done in just ten simple, carefully-made investments.

Andrea McWilliams Always Steps Up to the Plate in Just the Nick of Time:

Anyone observing the political style of Andrea McWilliams notices that McWilliams is quite aware that timing is everything: particularly, in the political arena. Perhaps, the preceding reason is why Andrea McWilliams s has earned such a commendable reputation, as a skilled analyst and political adviser. What makes her advice so fundamentally significant is that Andrea McWilliams takes the time to properly observe what is going on within the political arena. She effectively weighs the political health of any given situation. This is Andrea’s calling card: in way of an idiom. When she has observed what is happening; and reviewed her client’s objectives, she is ready to render advice.

The organizational skill of Ms. McWilliams receives a great deal of attention. She is effective in “getting her name out,” within the political environment. She has been positively reported by several well-known news agencies. The reporting comes by way of Andrea McWilliams’s achievements, in raising funds, politically, and other worthwhile political activities. In example, McWilliams, has been reported by the household news station: FOX News. She has also been reported, upon, by other equally known television stations–as to her political achievements and activities. The highly prestigious business newspaper: ‘The Wall Street Journal’, has provided reporting of Andrea McWilliams’s political activities, on behalf of her clients: all of it good.

It appears, Ms. McWilliams, has a very good sense as to timing. The preceding talent is essential to persons providing political services to influential clients. She knows when to “step up to the plate” and when to back away a bit–there is something, suffice it to say, very admirable about such an attribute.