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[ad_1] Aptus Value Housing Finance India IPO will open for subscription next week on August 10, as the company looks to raise Rs 2,780 crore from the primary market. [ad_2] Source link

[ad_1] The post Cardlytics Stock Gets Decimated on Weak Q2 Sales appeared first on Millennial Money. Shares of Cardlytics (NASDAQ: CDLX) plunged today after reporting second quarter earnings on Tuesday evening. The company, which operates rewards programs for financial institutions as well as a digital advertising platform, missed revenue expectations and offered a lackluster outlook for the third quarter. As of 12:30 p.m. EDT, Cardlytics stock was down by 26%. The pandemic continues to hurt marketing budgets Revenue in the second quarter increased 109% to $58.9 million, missing the consensus estimate of $62.8 million. Billings were $85.3 million, and adjusted contribution was $29.6 million. The platform had 167.6 million monthly active users (MAUs), and average revenue per user (ARPU) increased by 89% to $0.34. Cardlytics had acquired Bridg, a customer data platform, during the quarter for approximately $350 million in cash in a move designed to bolster the advertising platform. Bridg’s annualized recurring revenue (ARR) in the second quarter was $12.5 million. That acquisition came in the wake of the purchase of Dosh in the first quarter. Cardlytics will now focus on integrating both acquisitions. CEO Lynne Laube conceded that the results missed internal expectations, pointing to a slower recovery in critical end markets that Cardlytics serves. “While we grew Cardlytics platform billings 111% and adjusted contribution 123% year-over-year, we fell below our guidance,” Laube commented in a release. “This was driven by us forecasting a faster recovery than was realized due to labor shortage and supply chain challenges in retail, restaurant and travel.” On the conference call with analysts, Laube said management was “disappointed in the miss,” but reassured investors that the “business is performing well” overall. In addition to the labor shortages and supply chain issues, the chief executive also elaborated that the broad increase in customer demand translated into a reduced need for advertising at a few large customers.  “For example, several of our key client restaurants paused their marketing because they couldn’t purchase enough critical ingredients,” Laube commented. “A men’s clothing client halted all of their marketing spend when they realized their supply chain couldn’t deliver the inventory they needed to maintain customer selection.” After everything was said and done, Cardlytics reported an adjusted net loss of $12.8 million, or $0.39 per share. Wall Street analysts were modeling for that exact $0.39 per share in adjusted losses. Guiding revenue below expectations Continued macroeconomic economic uncertainty related to the COVID-19 pandemic is creating volatility in marketing budgets, so Cardlytics is trying to take things one quarter at a time. The company is providing guidance for the third quarter but not for the full year due to limited visibility.  Outlook for the third quarter calls for $85 million to $95 million billings, with revenue forecast at $57 million to $66 million. Adjusted contribution is expected to be $27 million to $32 million. Analysts are looking for $71 million in sales next quarter. Pick Like A Pro Where to invest $500 right now Before you buy Amazon, or Netflix, or Apple, consider this… The team at Motley Fool first recommended each of those stocks more than a dozen years ago! They discovered Netflix for $1.85 per share, back in the days of DVDs by mail. And recommended Amazon at $15.31 in 2002, before most people were comfortable using credit cards online. And even hit Apple at $4.97 per share, about a month before the release of the very first iPhone. Check out where those stocks are today. The bottom line: a $500 investment in all three of these stocks would be worth more than $200,000 today! And here’s why that’s important: The Motley Fool’s flagship investing service Stock Advisor just announced their top 10 “best buys now” across the entire stock market. Whether you’re starting with $100, $500, or more, you’ll want to get the full details! Click here to learn more The post Cardlytics Stock Gets Decimated on Weak Q2 Sales appeared first on Millennial Money. [ad_2] Source link

[ad_1] We got to go to Bull Shoals Lake in Arkansas with my side of the family for some of last week (we’ve been going here for 20 years as a family!) But the family has grown quite a bit in those years! Here are all the grandkids now… And the grandkids with my parents… Kierstyn loved getting to spend time with Grandpa! And the kids loved getting to do all of the water sports! I even got in on some of the tubing fun! Jesse and I closed out the week with kissing on the tube while our kids looked on and said, “Ew!” I wrote this on Instagram recently: Love isn’t always a feeling. Sometimes, it’s an intentional choice… to show up, to lean in, to fight for, to fight through, to give up what we want for another. This man demonstrates that kind of love for me every single day. There is no one else I could imagine being on this crazy, wild, wonderful, sometimes exhausting and often exhilarating adventure of life with. We are so different and yet we compliment one another so well. My push-through hard-driving personality desperately needs his measured, thoughtful approach. He is the slow down to my hurry up. Recognizing our differences, celebrating them, laughing about them, and seeing them as gifts have made such a difference in our relationship. Yes, there are still many moments when we drive each other nuts, have misunderstandings, or wish we could change each other. But at the end of the day, we know deep down that our relationship would never be what it is if we were more alike. Our different gifts make a stronger. I only wish it hadn’t taken me at least a good 7-8 years into our marriage to start to accept and appreciate this fact. (We’ve been married for 18 years and I’d definitely say the last 10 years have begun the best years, so far!) So if there’s one piece of advice I could give to younger couples it would be this: stop trying to change your spouse and start celebrating the gift of who they already are. [ad_2] Source link

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[ad_1] Glenn Stearns, founder and CEO at Kind Lending Residential real estate brokerage eXp continues to be profitable, and company CEO Glenn Sanford became a fan of Glenn Stearns through reality television. Those were two takeaways from the company’s second quarter earnings call on Wednesday, in which Sanford and other company executives wrestled with how to diversify a company that has been a somewhat unlikely darling of Wall Street. The Bellingham, Washington-based company reported $37.0 million in net income for the months of April through June, with $20.6 million of that figure coming from a one-time income tax benefit. The tax benefit primarily comes from a release of a valuation allowance, according to a footnote in eXp’s Securities and Exchange Commission filing. But while eXp has proven consistent profitability and rapidly grown its brokerage, its business has insignificantly diversified beyond collecting a sliver of agent commission splits and assorted agent fees. One attempt to change that is a partnership with Kind Lending – the new mortgage company from Stearns Lending founder Glenn Stearns – to originate mortgages. The joint venture announced this July is called Success Lending, and it is slated to get off the ground in October. This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post eXp CEO loves Glenn Stearns’ star power appeared first on HousingWire. [ad_2] Source link

[ad_1] Canadians may have given up on daily commutes, waistbands and showering daily, but during the COVID-19 pandemic lockdowns we held on to our skin-care routines. MoneySense built a survey in partnership with beauty journalists Emily MacCulloch and Ingrie Williams of The T-Zone which—among other findings—revealed that our skin-care habits remained unchanged. The poll found 69% are spending the same amount on skin care now as they did pre-pandemic (18.3% are spending less on skin care, and 12.7% are spending more). Canadian skin-care routine poll The cross-Canada poll surveyed 1,140 Canadians (99% confidence level, 4% margin of error, based on English-speaking population) over a four-week period in March/April 2021, around the one-year anniversary of the first COVID lockdown. Like everything we could buy during the first 12 months of COVID-19, skin care has gone digital, and Canadians are as committed and loyal to their skin-care regimens and products as much as before.  Here’s what we found:  More than 1 in 3 Canadians have made an online skin-care purchase without trying it first More than 3 out of 5 Canadians read online product reviews before buying a skin-care product More than 1 in 2 Canadians believe that skin-care efficacy is not based on price Almost 1 in 4 Canadians believe that price signals effectiveness for skin-care products Almost all Canadians (96.9%) do not owe for skin-care products on their credit cards or through buy now, pay later programs Other sources have confirmed that it’s been tough on Canadians during lockdowns and the entire pandemic to maintain our personal routines. But, with the majority of Canadians not changing how much they spend on skin care, based on our data, this is one way they are committed to spending money on themselves. “You’re on Zoom all of the time, you’re looking at yourself constantly,” says Williams. “People may be more willing to try something new for self-care, as well as for a pick-me-up.” Based on our survey, Canadians are fitting this spend into their budget. Although the skin-care industry has revenues of $1.7 billion annually, they’re not splurging needlessly or going into debt.  How much are Canadians spending? It varies from person to person. Our poll shows 47% spent $100 to $499 on skin-care products in 2020, 42.1% spent $99 or less and 10.9% spent $500 or more. It’s worth noting that a single skin-care product, like a moisturizer or a serum, typically costs $50 to $100, which may suggest buying one to 10 products a year.  Online skin-care shopping tips 54.3% “A savvy shopper knows which products work, no matter the price.” 23.9% “You get what you pay for.” 13.2% “Cheap and chic for the win.” When it comes to shopping online for skin care, it can feel like you’re “adding to cart” and hoping for the best, especially if you’ve never purchased that particular moisturizer, lotion, mask or serum before. And 36.2% from our survey say they have not made an online skin care purchase in the past year without testing or trying it first.  “We truly believe there are effective products at every price point, and we’re happy to see from the results of this survey that Canadian consumers are in the know, too,” says Williams. We all like that Canadians don’t mind putting in the effort to research products they buy. There are tools available, though, including expert reviews on online magazines and blogs, user reviews on the site, customer service chats, and even the good ol’ fashioned ways of calling a store or getting a referral from a friend.  From our survey, 57.9% of respondents say they have consulted online skin-care product reviews before buying. This may surprise you, considering how many don’t research cars before heading to a dealership. But MacCulloch and Williams say that reviews shouldn’t be a huge influence on your buying decisions. They point to 2018, when skin-care brand Sunday Riley was outed for writing fake reviews on Sephora’s website for almost two years.  “Reviews are helpful, but they shouldn’t be the be-all-and-end-all deciding factor,” says MacCulloch, adding that it is helpful on Sephora to see who is posting the review, and their age. “Context is huge,” says Williams. “You don’t know what that person’s skin is like, how they used the product.” She also says to consider where you’re reading the review. Is it from someone who would benefit from you buying it? Is it meant to nudge you to purchase? Both recommend checking the skin care companies’ websites for clinical trials. And if you can try a tester, go for it.  Splurge versus steals Canadians have a ton of options when it comes to what they choose to spend on skin-care products, from $15 a bottle from brands like The Inkey List, to a $500 jar of Le Mer. Williams and MacCulloch break it down here, so you know what you should always pay on the cheap for and what is worth spending more money on.  Steals Moisturizer Why: A good moisturizer keeps skin hydrated and healthy. Plus, if you’re concerned with facial lines, moisturizer can make them ess noticeable. Buy: Many nourishing and hydrating ingredients have been around for a while, and have the research to back them up. You should be able to find a moisturizer at any price point with effective ingredients such as hyaluronic acid, glycerin, aloe and/or shea butter, says Williams. “For those nourishing ingredients, you don’t need to shell out a ton of money.” The Inkey List Symbright Moisturizer, $15, sephora.com Belif The True Cream Aqua Bomb, $50, sephora.com Sunscreen Why: Sun protection factor (SPF) creams and lotions help protect the skin from harmful rays from the sun, and have been shown to prevent skin cancer and premature aging. Buy: “We only have a handful of ingredients available to us here in Canada, so you’re going to find efficacy at any price point,” says Williams. We have access to 17 approved sunscreen ingredients, to be exact. “In general, when you pay more money for SPF,

[ad_1] The post RealtyMogul Review for 2021 appeared first on Millennial Money. In the past, investors faced many barriers when entering the commercial real estate market. Historically, this type of real estate has only been open to accredited investors (i.e., very wealthy registered individuals). In the age of digital disruption, everything has changed. Thanks to the emergence of crowdfunding platforms, it’s now possible for everyday investors—us non-accredited investors—to invest in commercial real estate.  All of a sudden, you don’t need to be rich or registered with the SEC to get some skin in the game. You can enter into commercial real estate just by signing up for a crowdfunding service.  If this sounds up your alley, one such service you should look into is RealtyMogul, a leading crowdfunding provider for commercial real estate projects. RealtyMogul Overall Rating 7.9 Bottom Line RealtyMogul is a leading real estate crowdfunding platform. It’s one of the longest-running and most widely respected platforms on the market. Pros Low barrier to entry Diverse offerings Accredited and non-accredited opportunities User-friendly platform Monthly auto-investing at $250 / month Cons High minimum investment of $5,000 Direct investing only open to accredited investors Fees range depending on how much you invest Platform doesn’t integrate with 3rd party financial management apps Ease of Use 9.0 Commissions & Fees 8.0 Minimum Investment Amount 7.5 Diversification 8.5 Keep reading to learn more about what RealtyMogul is, how it works, and how you can make real estate deals using the platform. What is RealtyMogul? RealtyMogul is a leading real estate crowdfunding platform. It’s one of the longest-running and most widely respected platforms on the market, and something all investors should know about and explore.  With RealtyMogul, investors get a mix of personalized services with data-driven insights. Members can create their own portfolios with access to a broad range of real estate investment options. Simply put, RealtyMogul opens access to institutional quality deals for real estate investors for residual cash flow and diversification across retail, industrial, office buildings, apartment buildings, and self-storage facilities. The company also has great leadership under the direction of CEO Jilliene Helman and her team.  Who can access RealtyMogul? What makes RealtyMogul unique is that the platform caters to both accredited and non-accredited investors. So, no matter which camp you fall into, RealtyMogul can help you start investing in no time at all. Suffice it to say the platform is full of opportunities for all types of investors.  So, whether you’re an everyday investor or a professional who’s been in the industry for years and is now looking for high-end properties, RealtyMogul has it all.  Does RealtyMogul have an app? RealtyMogul is a desktop client only. Unfortunately, the service does not offer an app at this time. That said, the RealtyMogul website typically receives rave reviews. Investors love its sleek design, quick access to information, and abundance of educational resources. RealtyMogul Investment Options Here’s a breakdown of what investment types and features to expect with the RealtyMogul platform. REITs RealtyMogul is widely known for its public, non-traded real estate investment trust (REIT) offerings.  REITs are ideal for investors looking to access passive real estate income in a less risky way than investing directly in properties. With REITs, you don’t have to worry about any of the difficult aspects of owning real estate, like finding or dealing with tenants, purchasing properties, going through appraisals and inspections, and parting with high closing costs.  Instead, RealtyMogul purchases properties directly and gives investors regular distributions. It’s by far the easiest way to invest in real estate, whether you’re buying into the Los Angeles market or looking to buy into a specific sector (e.g., data center real estate).  For non-accredited investors, RealtyMogul offers MogulREIT I, which strives to produce steady income, and MogulREIT II, which is designed for growth. MogulREIT I offers attractive and stable cash distributions, while MogulREIT II enables long-term capital appreciation. RealtyMogul also offers a separate REIT for accredited investors.  Disclaimer: Real estate, like any other investment, is not a guaranteed way to make money. Do your due diligence before making an investment decision, and only invest an amount of money you’re comfortable losing. Auto invest RealtyMogul offers an auto-invest option, which is available upon enrollment with their REITs.  This is an excellent opportunity for investors looking for a hands-off approach to real estate management in which they don’t have to manually put money into investments.  This service is pretty straightforward. You simply enroll in the program and determine how often you want to invest in REITs. You may decide you want to invest in REITs on a monthly or annual basis. The minimum monthly investment is $250.  To get started, click the “auto invest” button on the RealtyMogul platform. Then, you need to give it some time for the auto invest request to process.  You can keep tabs on that progress by following updates on the RealtyMogul user dashboard.  Who should use auto invest? When you select auto invest, money automatically flows from your linked bank account into RealtyMogul REITs. As such, you need to make sure you have enough in your bank account to consistently cover the payments. Otherwise, you could get hit with overdraft fees from your bank.  Use auto invest if you’re in a comfortable financial situation and can afford to invest in real estate regularly. And as you do so, keep an eye on your portfolio. Make sure you’re also investing in other areas like stocks, bonds, mutual funds, and index funds. That way, your portfolio doesn’t become too heavily weighted with real estate.  Real estate should only comprise a small portion of your overall portfolio. The last thing you want to do is set up an auto-invest option, forget about it, and wind up with an unbalanced portfolio. Learn More: Are REITs a Good Investment? REIT vs. Real Estate Individual properties  RealtyMogul also lets accredited investors invest in specific properties or small groups of properties through private placements. Unfortunately, non-accredited investors can’t access these investments.  Typical private

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