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[ad_1] We reiterate our Buy rating on Cera Sanitaryware (CRS) led by continued healthy demand environment aided by pick-up in the residential housing market and also from home improvement market. Our interaction with dealers and management indicates continued demand tailwind even in Q1 in the core segments of sanitaryware and faucetware. Margins should also remain firm going ahead as the company has taken price increase of ~3% in sanitaryware and ~5% in faucetware during mid-May, 2022 which should negate raw material price pressures. Management has guided to double the revenue over the next ~3.5 years with margin improvement of at least 50bps-75bps y-o-y in FY23. We expect CRS to witness revenue/PAT CAGR of 17%/27%, respectively, over FY22-24 led by faucetware and sanitaryware segments with continuous high return ratios. Maintain Buy with an unchanged Mar’23 target price of Rs 5,592 set at 32x PER FY24E (in line with 1-yr forward five-year average PER). Revenue CAGR of 17% during FY22-24E: CRS is expected to witness revenue CAGR of 17% during FY22-24E aided by growth in sanitaryware and faucetware segments. Both these segments are witnessing strong demand due to pick-up in the residential housing market and increased demand from home improvement market. CRS derives ~55% of revenue from tier-3 and below markets, which continue to witness healthy demand. The sanitaryware segment is expected to witness revenue CAGR of 15% over FY22-24E with incremental volumes being catered to from outsourcing until the new owned-manufacturing facility commences production. The greenfield sanitaryware facility is expected to commission production in 24-30 months at a capex of Rs 1.28 bn. In faucetware segment, revenue CAGR of 22% during FY22-24E is expected, aided by commencement of enhanced capacity of 1.2mn pcs in Q1FY24. Total capex planned for brownfield expansion of faucetware facility is Rs 690 mn. Both these capex projects will be funded from internal accruals. Margins to remain stable: CRS has taken price increase of 3% in sanitaryware segment and 5% in faucetware segment in mid-May,2022. This price increase, coupled with earlier price increases in FY22, will enable the company to maintain margins at ~15.5% going ahead (average margin over FY12-FY22 had been ~15%). We have modelled EBIDTA/PAT CAGR of 17%/27% during FY22-24E. Valuations: CRS has a strong net-cash balance sheet with healthy growth prospects led by uptick in housing market and increased demand from home improvement market. We continue to like the company for its comprehensive product portfolio, wide distribution reach and strong brand presence. Maintain Buy with an unchanged Mar’23 target price of Rs 5,592. Key risks to our call: 1) Slowdown in demand from housing, 2) continued higher input prices, which may dent demand/profitability. [ad_2] Source link

[ad_1] The post Best Personal Capital Alternatives to Manage Your Money appeared first on Millennial Money. Personal Capital is one of the most popular financial apps for Android and Apple devices. This mobile app offers a variety of useful services for cash, personal finance, and wealth management.  Truth be told, this is one of my favorite financial apps due to the number of services it offers and its user-friendly layout. But while Personal Capital is great, there are other similar apps on the market you can use to link to your favorite financial institutions — making money management a breeze along the way. To make the selection process easier, let’s take a closer look at some leading Personal Capital alternatives to help you pick the best solution for your unique needs. Table of contents Best Personal Capital alternatives for financial management Best for investment management: Betterment Best free mobile app: Mint Best desktop software: Quicken Best for building wealth: Wealthfront Best budgeting tool: You Need a Budget (YNAB) Best for tracking finances: Tiller Money Best free spreadsheet service: Google Sheets Best paid spreadsheet service: Excel Best for bill payment: Prism Best for reducing spending: PocketGuard Best Personal Capital alternatives for financial management Best for investment management: Betterment  Betterment is a leading personal finance app that offers a variety of useful services.  One of my favorite things about Betterment is that it supports investment tracking. The Betterment app can track investment accounts and lets you set custom investing and savings goals. Betterment lets you check balances on the fly and make deposits and transfers into different financial accounts from one interface — pretty convenient if you ask me! Betterment offers a free pricing model with access to a no-fee checking account and Visa debit card, as well as ATM fee reimbursement and FDIC insurance. It comes with a high-yield cash account offering a variable 0.10% APY, along with advice and planning tools. In addition to the free version, Betterment also offers paid plans that charge annual fees of 0.25% ($0 minimum balance) and 0.40% ($100,000 minimum balance. For more information, check out Betterment’s pricing models. Learn More: Betterment Review 2021 Betterment Varies Betterment can help grow your money by making saving and investing easy. Invest in a tailored portfolio, set buckets for your goals, and earn rewards. Get Started Best free mobile app: Mint As a free mobile app with great functionality, Mint packs a real punch. The platform makes it easy and enjoyable to manage personal finances, giving you more control over your financial situation. With Mint, you can manage spending, check account balances, and use a free budgeting tool. The app also provides free credit score reporting, which isn’t something you’ll find with Personal Capital. In addition, Mint contains a useful portfolio and investment tracking service that can help you stay on top of your brokerage and retirement accounts. One of my favorite features is its hidden fee tracker, which can report hidden fees that could otherwise go unnoticed. Learn More: Mint.com Review | Is It Worth It? Best desktop software: Quicken Quicken is one of the most trusted names in money management with over 30 years of experience serving over 17 million members. This financial planner enables you to perform a variety of tasks from one convenient and highly secure dashboard.  With Quicken, you can manage spending, view bills, track investments, and set personal finance goals all from one area. The company offers several paid options including Starter, Deluxe, Premier, and Home & Business.  There are also two mobile apps to choose from including the Mobile Companion app, which works with Quicken’s desktop service, and the independent Simplifi by Quicken app. Learn More: Simplifi Review | By Quicken Get Started With Quicken Best for building wealth: Wealthfront  Wealthfront is a nice option if you prefer a hands-off approach to investing and saving money. The app gives you two options: It can build an investment portfolio for you or let you handle asset allocation if you’re feeling ambitious.  Once you’ve set up a portfolio, the app will automatically manage your account using a robo-advisor. A robo-advisor strategically moves funds around automatically, rebalancing your portfolio periodically to maximize earnings and reduce risk.  In addition to providing portfolio management and financial advice, Wealthfront also offers a cash account you can use to pay bills, withdraw money from ATMs, and quickly invest extra cash. Wealthfront charges an annual advisory fee of 0.25% for all assets under management (AUM), and the fee is deducted monthly. There aren’t any fees for opening or closing an account, transferring, withdrawing, or trading. That said, there is a monthly advisory fee of $20.55 on average monthly balances of at least $100,000. There aren’t any fees for the Wealthfront Cash Account. However, there are additional fees for the Wealthfront debit card. Read the fine print to know what you’re getting into. Learn More: Wealthfront Review for 2021 Betterment vs. Wealthfront: Which Is Best For You? Best budgeting tool: You Need a Budget (YNAB) YNAB cuts out all the extra noise and solely focuses on budgeting. If you want to focus exclusively on budgeting, this app is worth looking into.  YNAB also offers educational resources and a shared budgeting component so you can budget with a friend, housemate, or family member.  This app is very user-friendly and makes it easy to visualize progress with simple charts and graphics. The only catch to YNAB is the price tag: The app costs $11.99 per month, or $84 annually if you pay in one lump sum.  While some users may find it hard to justify paying that much for a budgeting app, YNAB can pay for itself over the year if you use it to save effectively. If you’re interested in YNAB, my advice is to try the free 34-day trial. That way, you can see if you like it before you commit to spending money on it. Learn More: You Need a Budget Review 2021 | The Truth About YNAB You

[ad_1] Whoa!! This is such a great sale on Crayola products! As part of Zulily’s Wow Week of Deals, they are having a sale on Crayola Crafting Products and Books! Even better, buy two items and you will get the third free. Plus, our readers will get an extra 15% off this sale at checkout when you shop through our link. There are lots of really good deals in this sale but hurry – items are selling out quickly. Shipping starts at $6.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! [ad_2] Source link

[ad_1] Biden says he is proud of Apple workers who voted to join a union [ad_2] Source link

[ad_1] Volvo Trucks has started testing its fuel cell electric vehicles (FCEVs) and plans to add the hydrogen-powered truck to its carbon-neutral product portfolio in the latter half of the decade.  The company says the technology will allow the trucks to run on hydrogen, emitting just water vapor from the tailpipe. Furthermore, the trucks will be capable of producing their own electricity on board. At present, the OEM has electric trucks and trucks powered by renewable fuels (such as biogas) in its product portfolio. Roger Alm, President, Volvo Trucks said, “We have been developing this technology for some years now, and it feels great to see the first trucks successfully running on the test track. The combination of battery electric and fuel cell electric will enable our customers to completely eliminate CO2 exhaust emissions from their trucks, no matter transport assignments. Hydrogen-powered fuel cell electric trucks will be especially suitable for long distances and heavy, energy-demanding assignments. They could also be an option in countries where battery charging possibilities are limited,” The operational range of the fuel cell electric trucks is said to be up to 1,000km, which in par with some diesel trucks while the refueling time is claimed to be less than 15 minutes. Furthermore, the truck is expected to weigh around 65-tonnes or higher.  According to Volvo Trucks the onboard two hydrogen cells can generate upto 300 kW of electricity. “We expect the supply of green hydrogen to increase significantly during the next couple of years, since many industries will depend on it to reduce CO2. However, we cannot wait to decarbonise transport, we are already running late. So, my clear message to all transport companies is to start the journey today with battery electric, biogas and the other options available. The fuel cell trucks will then be an important complement for longer and heavier transports in a few years from now”, concluded Alm. [ad_2] Source link

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[ad_1] China May oil imports from Russia soar to a record, surpass top supplier Saudi [ad_2] Source link

[ad_1] To make the Indian Armed Forces young and more tech savvy, recruitment schedule for the first batch of Agniveers with training is all set to be announced later this week. On Sunday senior tri-service officers from the Ministry of Defence came out to rebut all the criticism related to the recently announced short term Agnipath Recruitment scheme for the Indian Armed Forces.  Dismissing any plans to roll back or review the scheme, Lt Gen Puri, Additional Secretary in the Department of Military Affairs, said “No, why should there be a rollback?” He also said the main objective was to reduce the average age of the personnel in uniform and “We need young people who have grown up playing with mobile phones.” Recruitment to the Indian Army On Monday the Indian Army announced that registration for the recruitment rally will start online from July. Online registration, according to the Indian Army Notification, is mandatory for all job aspirants under the new scheme announced last week. In all, 83 recruitment rallies would be organized across the country and they will cover all states. As reported earlier these Agniveers, according to the Indian Army will have a distinct insignia and will form a distinct rank. This means they will be different from the existing ranks. Financial Express Online has reported that the number of recruitment in the next few years will be around 50,000-60,000. Gradually this number will go up to 90,000 up to one lakh. Gen Puri has stated that the intake of Agniveers is going to touch up to 1.25 lakh in the future. Josh and Hosh Citing recommendations of the Kargil review committee and Arun Singh committee report, Lt Gen Puri said that the Army is looking for a mix of Josh & Hosh. And, that is why the focus is on reducing the age profile.  Once the youth start getting recruited in the Indian Army, the average age will come down from the current 32 to 26 and this will be in line with the age profile of major Armies across the globe. Adding, “The forces had been waiting since 1984 to reduce the age profile.” Details about the Indian Army Recruitment According to the notification put out by the Army, the eligibility criteria, terms and conditions have already been put on the Army website and the process will start next month. Lt Gen CB Ponnappa, Adjutant General of Army has stated that the first rallies are going to start in the first week of August to November and induction into the training centers will be done in two batches. According to him the Army has plans to induct 40,000 Agniveers in the first batch – recruitment of around 25,000 Agniveers will be completed in the first half of December and the balance in the second batch by February 2023. IAF Registration From June 24 this week the registration for the first batch of Agniveers for Indian Air Force will start and the registration will be online. And from July 24 the first phase of online examination will start. According to Air Marshal SK Jha, Air Officer in-charge, Personnel, the notification and registration process for enrolment of the first batch would start later this week on June 24 and it will be through an online system of the IAF. And the training of those who qualify will start by year end, he said. Indian Navy Sharing this with media persons, Vice Admiral DK Tripathi has said, “On June 25 we will send our advertisement to the Ministry of Information and Broadcasting and the process would start within a month.” “By November 21, the first Agniveer will report to the Training Institute INS Chilka,” he added. Financial Express Online has reported earlier that in the first phase of recruitment under the new scheme 3,000 will be inducted out of which around 20 percent would be women. According to Vice Admiral DK Tripathi, the recruitment of Agniveers will be gender neutral. The women when recruited will be deployed on warships. Presently there are 30 women officers on different Indian Navy ships. In the first phase the Indian Navy is looking at recruiting around 600 Agniveers and their deployment will depend on the modalities and they could be posted on warships, confirmed a senior officer. Agniveers put on notice All the protestors across the country have been put on notice. According to the top DMA officer, they will find no place in the recruitment as the Army’s main foundation is discipline. At the time of registering for the recruitment, these youths will have to prove by providing a certificate that they were not part of any protest, arson or vandalism. There will be police verification and if there is an FIR against them they will not be eligible. According to the senior Army officer the first batch of 46,000 Agniveers is going to be a pilot project. The allowances the Agniveers will get will be at par with the regular soldiers in the field and in case an Agniveer sacrifices his/her life in the service of the nation, will be entitled to get compensation of Rs 1 crore. Under the new scheme, now onwards all recruitment in the forces for soldiers, sailors and airmen will now be as per the terms and conditions and eligibility announced by the three services. While 25 percent of the Agniveers will have a chance to join the regular cadre at the end of four years, the balance 75 percent will get preference in other ministries, DPSUs as well as State Police. The scheme according to the senior Indian Army officer was discussed by all service chiefs as well as Chief of Defence Staff Late Gen Bipin Rawat over two years and several studies focusing on different aspects have been also discussed in depth. [ad_2] Source link

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