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[ad_1] I was so excited that I got the roast marked down last week and we had a yummy dinner of roast and potatoes one night this past week. We had stuffing mix that I got marked down, sausage marked down, eggs marked down, and cheese on sale and so I used it to make this new-to-us recipe, Simple Egg Bake. We served it with waffles and fruit for dinner one night this past week. It was super simple and yummy! I usually have salad + toast for lunch every day. Or, sometimes, I do sliced fruit and veggies with cheese and toast or a hard boiled egg and toast. (Oh and I started eating dates every day for labor prep since I’ve only got 6-7 weeks left in this pregnancy!) I was excited that apples were on sale for $0.98/lb again! I was also excited that Pace salsa was on sale for $1.47/jar.s I was excited to find some marked down pork to stick in the freezer. I like to use it in Italian dishes or to mix with ground beef for things like meat loaf and meat balls. Cheese was on sale for $2.97 for 16 oz. with the digital coupon. I got two bags of cheese to stick in the freezer (I like to have a few bags of cheese in the freezer all the time) and the mozzarella cheese to have for lunches/snacks. Here’s everything I got for $74 at Kroger. [ad_2] Source link

[ad_1] Lack of transparency among project auditors a big problem — Hacken CEO [ad_2] Source link

[ad_1] FIFA got a first new American sponsor of the men’s World Cup in 11 years on Monday, signing a deal for this year’s tournament in Qatar with blockchain technology provider Algorand. The deal is also a “technical partnership” to help FIFA develop a digital assets strategy, soccer’s world body said. It could help FIFA market soccer-related non-fungible tokens (NFTs). The value of the World Cup sponsorship, at a third-tier regional level covering North American and European rights, was not disclosed. FIFA has set a target of earning $7 billion total revenue in its four-year commercial cycle that ends in Qatar. The deal was announced in Los Angeles where FIFA president Gianni Infantino attended a business conference. FIFA operations are turning toward North America ahead of the expanded 2026 World Cup being hosted by the United States, Canada and Mexico. It should be a commercial boon with 48 teams competing instead of 32, playing a total of 80 games instead of 64. Still, Algorand is the first new U.S.-based sponsor for FIFA’s marquee World Cup since 2011. Johnson & Johnson signed just for the 2014 edition in Brazil, which was a key market. The past decade saw FIFA implicated in a U.S. federal investigation of corruption in international soccer and struggle to add American brands to join long-term partners Coca-Cola, Visa, McDonald’s and Budweiser. Until recent months, FIFA signed nearly all of its sponsors for the 2018 and 2022 tournaments with firms from the host countries — Russia and Qatar, respectively — and China. FIFA has now targeted the tech sector and in March announced a 2022 tournament deal with a cryptocurrency platform, Singapore-based crypto.com. Algorand founder Silvio Micali said in a FIFA statement his company could help “transform the way we all experience the world’s game.” The deal also covers the 2023 Women’s World Cup being hosted by Australia and New Zealand. Read Also: How gaming companies are modifying their products to suit the user’s demands Follow us on Twitter, Instagram, LinkedIn, Facebook [ad_2] Source link

[ad_1] These ROSY Women’s Double Buckle Sandals are a great frugal alternative to Birkenstocks! Zulily has these ROSY Women’s Double Buckle Sandals on sale for just $12.99 today! This is such a great deal and there are lots of fun colors to choose from. 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] Activist investor Ancora urges sale of Hasbro's Entertainment One unit- letter [ad_2] Source link

[ad_1] Adani Wilmar posted a 25.6% year-on-year decline in consolidated net profit to Rs 234.29 crore in the March quarter due to a steep increase in raw material prices. The company’s total expenses during the quarter surged over 40% on a y-o-y basis to nearly Rs 14,725 crore, led primarily by rise in cost of raw material consumed, which stood at Rs 13,666.20 crore against about Rs 9,752 crore in the quarter ended March 31, 2021. Its revenues from operations increased 40.2% y-o-y to Rs 14,960 crore, while the Ebitda (earnings before interest, tax, depreciation and amortisation) increased 21% y-o-y to Rs 426 crore. For the financial year ended March 31, the company reported an increase of 26% in consolidated net profit to `804 crore over last year. The revenue from operations for the year was up 46% to Rs 54,214 crore, while the Ebitda was up 34% to Rs 1,909 crore against FY21. Consolidated volume of the company for the quarter ended March 31 stood at 1.29 MMT, registering a growth of 16% y-o-y. For the full year, the volumes came in at 4.80 MMT registering a growth of 8% versus FY21. The food and FMCG portfolio stood at 0.64 MMT in 2022 compared to 0.47 MMT in 2021, registering a growth of 34%. Overall distribution of the company stands at 5,775 distributors, with 65% being common for both oil & foods business. This translates into a reach of 1.7 million retail outlets spread over 6,400 towns in India. Angshu Mallick, managing director and CEO, Adani Wilmar, said, “We have delivered a steady growth inspite of the challenging macro environment. The food and FMCG segment registering double-digit growth. We have continued to improve our market share across edible oil and food categories. We are also on track to implement our go-to-market strategy focused to capture the rural growth story. We will continue to invest in our brand, distribution, sourcing and manufacturing capabilities. Going forward, we will focus more on inorganic growth and strategic investments in the foods space.” [ad_2] Source link

[ad_1] Stock up on snacks with this deal on this Frito-Lay Ultimate Snack Care Package! Amazon has this Frito-Lay Ultimate Snack Care Package (40 count) for only $14.23 shipped when you checkout through Subscribe & Save! This package includes snacks like Grandma’s Cookies, Munchies Chips, Doritos, Cheetos, Lay’s and more! These are perfect for summer road trips, snacks to have around the house, ball games, and so much more. Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Midwest Money Saving Mommas! [ad_2] Source link

[ad_1] U.S. trade chief Tai says all tools on table to beat inflation, tariffs not top of list [ad_2] Source link

[ad_1] AXSB’s core operating performance is progressing as we had argued in earlier reports. The incremental point of concern is the step-back from the targeted cost/assets of 2% by FY23e. While investments in building infrastructure are essential, this delays the convergence of AXSB’s RoA/RoE with that of ICICIBC by FY24/25e, thereby leading to a delay in the convergence of their valuations too. Despite the marginal earnings cut, our TP is raised to Rs 1,055 (from Rs 980) as we roll over our multiples to FY24e (from FY23e). We think AXSB remains attractive from a medium-to-long term perspective, despite having a few challenges to conquer in the near term. We revise our FY23/24e earnings by -1.0%/-4.9%, introduce FY25e estimates: The earnings cut is due to an increase in the cost/income ratio to c48% (46% earlier) over FY23-25e. We revise our NIM estimates lower (average 3.5% vs 3.6% earlier). As higher cost ratios impact PPoP RoA, management may utilise the additional provisions (Rs 50.1 bn) to support RoA in the interim. Hence, we cut credit cost estimates to 0.8% over FY23-24e (0.9% earlier). We estimate RoA of c1.5% and RoE of 14.8% by FY25e. We have not incorporated any estimates for the Citibank deal. Downside risks: (i) any moderation in growth and softness in NIMs; (ii) an increase in operating expenses beyond our estimates which would subdue PPoP growth. Key takeaways from the Q4FY22 resultsNIMs moderated 4bp q-o-q to 3.5% as cost of funds increased 6bp q-o-q. There was pressure on deposit mobilisation as average CASA (up 2% q-o-q) and retail TD (down 1% q-o-q) growth remained muted. Asset quality improved as the total pool of stressed loans declined to 5.3% of loans (6.2% in Q3FY22). Credit costs improved to 58bp (vs 83bp in Q3FY22). The bank is carrying non-specific provisions at 1.77% of total loans. Highlights from commentary: Management guided for elevated costs-to-assets in the near term as spending on technology, hiring, branch expansion and various other capacity-building initiatives will continue. It refrained from updating its guidance of 2% cost/assets by FY23e though. Retail asset growth momentum is picking up across the board and management is confident of sustaining it. Fee income was impacted as the bank reduced general banking charges. [ad_2] Source link

[ad_1] The post How Do You Calculate Your Net Worth? appeared first on Millennial Money. The voyage toward financial independence is one of the most liberating you will ever take. It might feel like a marathon to get there, but your life will change for the better.  When you’re pursuing financial freedom, you’ll need to calculate your net worth. Your net worth is a magical number that tells you how far along you are on your financial journey toward independence.  Table of contents How Do I Calculate My Net Worth? Why Calculating Your Net Worth Is Helpful  Calculating your Net Worth Helps You Set Financial Goals  What To Do If You Have a Negative Net Worth  How Your Personal Net Worth Stacks Up How to Increase Your Net Worth  Pay Off Your Debt Start Investing Your Money Start a Side Hustle  The Bottom Line  How Do I Calculate My Net Worth? Essentially, your net worth is all of your assets minus all of your liabilities. You can calculate your net worth in several ways: by paper, spreadsheet, or app. There is also a net worth calculator that can help you as well.  If you’re going the paper route, write down all of your assets. Consider retirement accounts, brokerage accounts, savings, and any cash you have littered around your apartment. Add them up. Then write down all of your liabilities. Your credit card debt, student loan, car loan, and personal loans all go into this category. Add these up separately from your assets. Once you’ve got your sums, subtract your liabilities from your assets. And there you have it: your net worth.  I personally prefer the spreadsheet method. I make a column for all of my assets and another for all of my liabilities. I use a formula to do all of my math, which keeps me from making any errors. Once I’ve added my assets and liabilities up, I subtract my liabilities from my assets to see my net worth. As I pay off my loans, I update this sheet and see my new number.  Finally, you can use a personal finance app to track your net worth. This is an extra-easy way. You plug in all your banking information, such as your checking account, savings account, and credit card logins. Then the app keeps up-to-date records of your net worth. Apps like Mint and Personal Capital are great because they track your net worth over time.  Why Calculating Your Net Worth Is Helpful  Your net worth is the best way to measure the state of your finances. When you calculate it, you’ll have an exact picture of where you are currently. You can compare this to where you want to be. If your net worth is high, you’ll be able to tell yourself that you’re close to financial independence. If your net worth is low (or even negative), you’ll be able to set up a smart plan to increase your net worth.  Overall, you’ll have a solid financial picture.  Calculating your Net Worth Helps You Set Financial Goals  Before you calculate your net worth, you might have a general idea of what your money situation is. Your net worth gives you an exact picture of your financial health.  For example, say you have $3,000 in credit card debt and $2,000 in an emergency fund. You might think that you’re doing well because of how hard you’ve saved for your emergency fund. But you’re still net-worth negative because of that credit card debt. Your next goal can be to knock out those liabilities.  What To Do If You Have a Negative Net Worth  Finding out you have a negative net worth can be intimidating. But if you do have a negative net worth, you’re not alone. When I first started tracking my net worth, it was negative. Instead of being discouraged, use this as a call to action to work on paying off your debt. In addition to giving you a positive net worth, paying off your debt will increase your credit score and set you on a better path for financial independence. How Your Personal Net Worth Stacks Up While you shouldn’t ever compare your financial trek with anyone else’s, it can be helpful to see how your personal net worth stacks up to people in your age range. This does two things: It helps normalize your net worth for your age bracket, and it can show you if you have any financial catch-up to play.  According to The Motley Fool, here is the median net worth according to age brackets based on research from 2019.  Median net worth by age (2019) Under 35 $14,000 35-44 $91,110 45-54 $168,800 55-64 $213,150 65-74 $266,070 75 or older $254,900 Source: The Motley Fool If you just started working toward financial independence, these numbers may feel shocking. It’s hard to imagine more than $100,000 sitting in your bank account when you can barely make the minimum payments on your credit card or student loan debt.  Instead of letting these numbers intimidate you, allow them to encourage you. Other people your age have amassed wealth, so you can too.  How to Increase Your Net Worth  If your net worth isn’t what you want it to be, you need a plan to increase your net worth.  Pay Off Your Debt One of the fastest ways to increase your net worth is to pay off any debt. List out all of your debts and decide which one to tackle first. Make sure to list your credit card debt, car loan, and student loan. I personally love tackling the smallest debt and moving to the larger debt once the smallest one is paid off. This method is called the debt snowball.  Another method is to pay off the debt with the highest interest rate and then move to the next highest interest rate. This is called the debt avalanche method.  Both methods will help you get debt-free. But they rely on you staying committed to