The discounted cash flow (DCF) model is one of the most comprehensive valuation methods for estimating a company’s worth. Valuation determines a company’s current value by analyzing financial forecasts of its profits, typically through dividends or cash flows. Another useful valuation method is the discounted dividend model (DDM). Both DCF and DDM focus on understanding present value by projecting future earnings. “Within a company, well-informed valuation enables managers to make wiser decisions regarding capital budgeting and strategic planning,” says Harvard Business School Professor Suraj Srinivasan in the online course Strategic Financial Analysis. “Outside the company, investors need to measure value…
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Over $4.3 billion in fines were imposed by financial regulators worldwide in 2024, with 95% of these actions taken by US regulators alone. Several significant fines have been imposed as a result of the increasing focus on anti-money laundering (AML) compliance, including a staggering $3.1 billion fine against TD Bank for AML violations. For financial institutions, this harsh regulatory landscape demonstrates a crucial truth: compliance is no longer optional; it is essential. The Transaction Processing System, or TPS, is an essential but frequently overlooked component of financial compliance. A strong TPS is the foundation for regulatory compliance, audit readiness, and…
If you’ve been around here a while, you’ll know that crunching the numbers to figure out the best time to post on all major social media platforms is basically our love language. And now we have enough data to add Threads to our roster, too! Because even though Threads uses an algorithm to decide what you (and your target audience) sees in the feed, when you post still has an impact. And now we have the data to prove it. We analyzed hundreds of thousands of Threads posts sent through Buffer — 730K posts, to be precise — to figure…
As businesses grow and evolve, they collect reams of data, and over time, that information can become siloed and difficult to use. Recent research suggests that knowledge workers spend more than eight hours per week simply finding and interpreting the information they need to do their jobs. But generative artificial intelligence (Gen AI) can help. Over the last 10 years, I have consulted on digital transformation and AI adoption at large enterprises and have seen firsthand the pivotal role that Gen AI can play in streamlining knowledge management and boosting productivity. One of the most promising ways to deploy AI…
Micro influencer marketing is great for businesses who don’t have the budget to work with Macro influencers, and want to reach a more niche audience. But who are Micro influencers, how much do they charge, and why should Micro influencer marketing be part of your social media strategy? We’re breaking it all down, below. What Is a Micro Influencer? A Micro influencer is a creator who has between 10K and 100K followers on a given social platform. And while their audience may be smaller than Macro influencers, their engagement sure is mighty. Why? Because Micro influencers often come across as…
Home loans are often the most significant financial commitments individuals make, stretching across decades. Early repayment can offer substantial financial freedom, reduce stress, and save on interest, allowing homeowners to allocate resources to other investments or savings. However, it’s essential to weigh the benefits of early repayment against the potential returns from investing in avenues that might offer higher yields than the interest rate of the home loan. Given that home loans generally have lower interest rates compared to other types of loans, it might sometimes make sense to invest surplus funds rather than accelerate loan repayment. If early repayment…
GAMErs, look! The PS5 Pro is almost here! Pre-orders are now live for the PS5 Pro which is set to release on the 7th of November in the UK. You might be wondering, “Why on God’s green earth would I get a PS5 Pro,” and I can understand your concern. The answer is simple: Performance. Graphics. AI. And no, I’m not talking about the kind of performance of reporting your KPIs to your boss, I’m talking console performance. Frames. GPU Power. Ray tracing. You get the picture. Let’s not forget AI – it just about comes with every product nowadays…
With state testing around the corner, it’s time to help your child feel ready and confident! From creating a solid routine to managing test anxiety, boosting study skills, and promoting healthy habits, each step plays a big role in ensuring their success. Here are simple, effective tips to make sure your child is not only prepared but also calm and focused. Create a routine. Establishing a routine or schedule can help children feel grounded as test day approaches. To begin planning study sessions, mark important dates on your calendar. This helps reduce stress at the last minute. Each morning, review…
It’s been a year since my last post of sign of life. Many of you inquired about my health, and I appreciate your messages. The liver I received is working fine; I continue to take my medications and see my doctor every three months. I’m sorry but I still haven’t progressed enough to bring you screenshots of the next game. My main disadvantage is that I am a black belt procrastinator; I need to work on that in addition to working on the game itself. I could come up with a variety of justifications, such as chronic fatigue or microplastics.…
Over the last decade, online connectivity has redefined how we interact with games. Live online games produce new content, novel features, and thriving communities as opposed to a game that you purchase and only complete once. Something new is always happening in the game, which gives players a reason to jump back in. Now, generative AI (gen AI) is taking things to the next level with “living games” — games that adapt, grow and evolve themselves. Imagine a game that can learn how you play and adjust the environment, characters and storylines to fit your unique playing style and skill…