d4fhf 4anhr hh996 yybs2 ek5rn k8iy8 k32y8 6k9hz rs6ns 28b4r 375sk e6hsn f6b7n a3399 knse5 8649y e3s8e 5d9by khnre 5r7tn 665ia British Columbia developing plan to protect drinking water, ecosystems |

British Columbia developing plan to protect drinking water, ecosystems

2022.01.26 03:12 idspispopd British Columbia developing plan to protect drinking water, ecosystems

British Columbia developing plan to protect drinking water, ecosystems submitted by idspispopd to britishcolumbia [link] [comments]


2022.01.26 03:12 Abhi_mech007 Business owners using sites like PayPal or Venmo now face a stricter tax-reporting minimum of $600 a year

submitted by Abhi_mech007 to tech [link] [comments]


2022.01.26 03:12 TooFuckingSpooky Just a couple of comparison photos. Felt cute and wanted to fish for compliments. Idk

Just a couple of comparison photos. Felt cute and wanted to fish for compliments. Idk submitted by TooFuckingSpooky to crossdressing [link] [comments]


2022.01.26 03:12 NoStringsOnlyRope NoZeroDays/Day 1.22

studied 2 hrs
walked 12 k steps
had pad thai
cheers!
submitted by NoStringsOnlyRope to NonZeroDay [link] [comments]


2022.01.26 03:12 AlligatorHalfMan123 Bad Apple: Why AAPL is Heavily Overvalued

Let me first start by saying AAPL is a tremendous company with an incredibly strong present and future. They make great products and are constantly looking to innovate. If you are an investor I believe you will likely see strong returns over a longer time horizon.
Right now however, AAPL is overvalued in my opinion.
Let's observe the last 4 years of revenue:

One of these things is not like the other. As you can see, prior to 2021 we saw relatively stable growth, and then BOOM 33%. On the surface this looks great! But let's get into why this has me worried.
I'm a health insurance actuary and in our world we recognize a phenomenon call a benefit RUSH-CRUSH-HUSH. This occurs when there are plan design changes.
RUSH
When a new benefit is added, or there is a significant benefit increase beyond what we would typically observe. People RUSH to use the new benefits as they get new glasses, get their cavities filled, and get that procedure they've been holding off on in anticipation of the benefit increase.
CRUSH
The next year there is nothing to spend money on. Everyone already got their new glasses, teeth are filled, and that procedure they got fixed whatever health issue they had. The inflated spending experience a CRUSH.
HUSH
2-years after the plan change this volatility will HUSH. We will observe that claiming returns to a level that we would typically expect, but since the prior year was a CRUSH, the year-over-year increase appears more severe than expected. This would catch a layman off guard, but a well informed actuary would understand that benefits are simply returning back to a reasonable level.
In the case of AAPL. The plan design change is the pandemic. People weren't spending money on restaurants, bars, travel, concerts, sports, etc. so they had more dollars to allocate to updating their gadgets (RUSH). In 2022, people will have already updated their gadgets so there is no need to go out and purchase more. Add to this that the world is expected to reopen, so more dollars will be allocated to other things mentioned above (CRUSH). In 2023, I would expect spending to return to a more routine level, some people will update their gadgets while others will hold off another year (HUSH).
Essentially what I'm expecting is that AAPL will have a down year, worse than expected (because of CRUSH). This will cause people to over-sell which is where the buying opportunity comes in because in the HUSH phase, we know that spending will return to normal. It will appear to be strong growth but in reality it is simply just reverting to the mean.
I read the annual report to look at the components of AAPL's revenue. I would expect that wearables, home, accessories and services continue to grow at a strong pace since those are newer products that are growing organically compared to the iPhone, iPad, and Mac. However, iPhone, iPad and Mac saw a combined 36% YoY increase and they account for 71% of revenue. There is a chance that the market prices all this in but the point of this piece of writing is to inform you that these changes are typically more exaggerated than intuition expects. With a PE of 28.5 the market expects growth, and if AAPL instead sees a reduction in revenue the market will overreact, this is when the buying opportunity arises and you ride the HUSH to glory!
Would love to see your thoughts below. I'm sure this will be controversial and I look forward to hearing the opposite side of this argument to see what I might be overlooking.
submitted by AlligatorHalfMan123 to stocks [link] [comments]


2022.01.26 03:12 PsychologicalWind591 Ena from Fire emblem ( also hi, can't believe this reddit exists, yay!!!) =XD

Ena from Fire emblem ( also hi, can't believe this reddit exists, yay!!!) =XD submitted by PsychologicalWind591 to AnimeFlats [link] [comments]


2022.01.26 03:12 ProducerWAV KXVI - Nebula Omnisphere Bank Vol. 1

KXVI - Nebula Omnisphere Bank Vol. 1 submitted by ProducerWAV to Producerwav [link] [comments]


2022.01.26 03:12 YTGoonizumi Yes you suck and stop it

Yes you suck and stop it submitted by YTGoonizumi to xD1x [link] [comments]


2022.01.26 03:12 Victor__Chaos well 3 red dildos spanking lrc, proof those diamond hands, because they can do whatever they want. NOT FKING SELLING

well 3 red dildos spanking lrc, proof those diamond hands, because they can do whatever they want. NOT FKING SELLING submitted by Victor__Chaos to loopringorg [link] [comments]


2022.01.26 03:12 PracticalBug9379 Super simple tutorial

Hi guys,
Just wanted to share in the sub a short lesson I made trying to show how easy it is to draw a simple design using just two 2D primitives. Not aimed at the regular p5.js users, obviously, but I hope it’ll be helpful to any beginner stopping by.
❤️, Dan
https://youtu.be/tZ5DitdP5k0
submitted by PracticalBug9379 to p5js [link] [comments]


2022.01.26 03:12 MinnePuffin Words that get me through

"Love ya babe. You will get through this because you are the greatest."
My dad texted that to me years ago when the snow blower was really irking me. I took a screenshot of the text after he died in November. Whenever I'm really missing him, I look at those words and remember that he believed I could get through anything.
This sub has been such a huge part of me getting through the past two months. So, I just wanted to share this message with each of you. From me and my dad. You will get through this because you are the greatest.
submitted by MinnePuffin to GriefSupport [link] [comments]


2022.01.26 03:12 kartayyar Inevitable

Inevitable submitted by kartayyar to bigtechmemes [link] [comments]


2022.01.26 03:12 jookco Morreu - Morte : Como falar de um facho em sua morte: "Olavo de Carvalho, autodenominado "professor de filosofia", teórico da conspiração e guru de Jair Bolsonaro, morreu aos 74 anos, aparentemente de Covid, cuja gravidade ele negou. Um homem de medidas iguais em arrogância e ignorância." Click l...

submitted by jookco to DeathObituaries [link] [comments]


2022.01.26 03:12 MUbigeye Is NIO a buy right now?

submitted by MUbigeye to ChinaStocks [link] [comments]


2022.01.26 03:12 theonlyxs1R healthy buffs (things that get buffed a lot like penguin mario and old things like the brown offroader or cowboy wario) this is how it should be

healthy buffs (things that get buffed a lot like penguin mario and old things like the brown offroader or cowboy wario) this is how it should be submitted by theonlyxs1R to MarioKartTour [link] [comments]


2022.01.26 03:12 xantana061 Life’s been amazing, I’m forever grateful.

submitted by xantana061 to sixwordstories [link] [comments]


2022.01.26 03:12 bobbymorris123 Binance Referral Program Reddit

Visit for Binance Referral Program Reddit .The most used and at the same time the most reliable crypto exchange platform is Binance. Also, Binance extremely easy to use and learn, you can earn a 20% commission discount on each purchase.
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Funding Your Binance Account As referenced before, Binance is absolutely a cryptocurrency trade application. This implies that to begin exchanging with Binance, you will be needed to finance your account with some current cryptocurrency. This should be possible utilizing some other cryptocurrency trade wallet. Just go to your wallet where you have the cryptocurrency put away, select the amount you need to move, and send those assets to your substantial Binance account. The most awesome aspect of exchanging with computerized monetary standards is that everything occurs in a moment. When you select 'send' from your crypto trade wallet, your Binance account will be supported right away. If you register with a Binance Referral Link, it will provide to you 15% discount from your each buying.
submitted by bobbymorris123 to CryptoFarmer [link] [comments]


2022.01.26 03:12 Morgan-992 cake decorating ideas 🎂🎈🎂🥳🎉

cake decorating ideas 🎂🎈🎂🥳🎉 submitted by Morgan-992 to BestDealsOfTheDay_ [link] [comments]


2022.01.26 03:12 AutoNewspaperAdmin [Economy] - ‘I bought antiques from a friend for £100, but they’re worth thousands – should I tell him?’ | Telegraph

[Economy] - ‘I bought antiques from a friend for £100, but they’re worth thousands – should I tell him?’ | Telegraph submitted by AutoNewspaperAdmin to AutoNewspaper [link] [comments]


2022.01.26 03:12 MichaelCorbett Battle report time! Dragons take a Be'lakor's Legion of the First Prince!

Battle report time! Dragons take a Be'lakor's Legion of the First Prince! submitted by MichaelCorbett to stormcasteternals [link] [comments]


2022.01.26 03:12 NightFire19 Dunkin' Donuts - General Discussion and Questions Thread

Before making a post, please read the posting guidelines here!
Check the wiki for upcoming leaks!
Get the latest scoop on leaks and discuss them on the Discord!
Please use this thread for discussion of leaks, or if you have a simple question that can be easily answered or you have an off-topic question or discussion point e.g. "When does X come out?" or "will X character be a good dps?" instead of making a separate post. Before asking a question, please read the general FAQs, the updated FAQs, or consult the wiki.
submitted by NightFire19 to Genshin_Impact_Leaks [link] [comments]


2022.01.26 03:12 Flat_Spare9170 Is it possible to travel around Western Mongoilia in local buses?

Hi guys,
I'm planning a trip to Western Mongolia in July, and I've heard that the provinces in that region are quite secluded, which makes transport outside of tours/jeeps difficult. With that said, I'd be planning to take a bus from Ulaanbaatar to the Western provinces, and then travel around them by bus. Is that option possible?
Thanks :)
submitted by Flat_Spare9170 to mongolia [link] [comments]


2022.01.26 03:12 FrontpageWatch2020 [#693|+1435|6] Asuna-Blue Archive [r/AnimeART]

submitted by FrontpageWatch2020 to longtail [link] [comments]


2022.01.26 03:12 deliverykp Going to a Pick-n-Pull in the next week to.find wiring to replace my corroded wiring for my headlights on my 2000 Cavalier. Will wire from any car in the yard work?

Or do I stick with wiring from a CavalieSunfire? Didn't know if others used same gauge and material.
submitted by deliverykp to autorepair [link] [comments]


2022.01.26 03:12 Familiar-Pie5607 Its true tho

Its true tho submitted by Familiar-Pie5607 to CallOfDutyMobile [link] [comments]


http://gellakrostov.ru