2021.04.15 17:35 stoopidugh Weird V shape in the sky- Edmonton, AB...thought it was a jet stream but it didn’t move for 10 minutes then disappeared?
2021.04.15 17:35 Flame_II07 So our PE teacher's wifi went out...
So me and my classmates are just sitting here talking about how John Walker is f*cking amazing. WE tried to watch the latest episode but turns out the teacher disabled screen sharing. This is probably my favorite school day ever.
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2021.04.15 17:35 AutoGif Dogs Reaction GIF by Best Friends Animal Society - Find & Share on GIPHY
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2021.04.15 17:35 YesButTellMeWhy Road (roadkill) Ecology dataset resources?
Hi there, I'm in a couple geospatial courses and am very interested in doing a small scale project related to road ecology, I've found research and labs from Canada, Brazil, CA, USGS, but not much on datasets available. Anyone have any resources that may include information on this subject? I'm not picky about timeframe or location, just trying to find a place to start at least looking at some data.
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2021.04.15 17:35 DinnerVegetable7669 Pharmacy Bins
2021.04.15 17:35 asongthatcrawls “You Looked But You Ain’t Seen” part 2; the UFO’s were a clue, not the prize 👽
2021.04.15 17:35 Jakande01 Tracy Hamlin - Got To Be Strong (Kenny Carpenter Hard Muscle Unreleased Vocal Mix)
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2021.04.15 17:35 orinocotribune Media Concern Trolling About Afghanistan Withdrawal Again
2021.04.15 17:35 Archwar I was talking about the quality of food in the country. Shame on the government!
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2021.04.15 17:35 Spdrcrv6tt Just a newbie sharing my progress in logo design over the past few months!
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2021.04.15 17:35 AutoGif Awesome Sauce GIF by P.O.S. - Find & Share on GIPHY
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2021.04.15 17:35 WoA-trinity Ending thoughts
2021.04.15 17:35 Elementix_1 Need Help!!!!!
Idk whenever i reboot after switching off, my wallpaper is of porn pic for couple of sec and return to normal.I never changed my wallpaper...its starts after android10 update. Any clue why it is happening?
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2021.04.15 17:35 orinocotribune Colombia: A Glimpse Into a Sad Reality
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2021.04.15 17:35 WannabeStonks69 $Ally Financial Due Diligence
While I believe that commercial banks aren't necessarily investment worthy in the financial sector, Ally financial may be changing all of that, and it’ll be doing it at a very reasonable valuation with tremendous growth potential. Ally is a provider of all of your traditional financial services, from mortgages to car financing to savings accounts to investment accounts, and it provides all of these services online. They started as General Motors’ branch of financing for car loans and eventually expanded into auto insurance, real estate and mortgage, and consumer banking. The bones of this GM institution were then bought out by PE firms Cerberus, KKR, and Goldman Sachs PE. After stripping down a lot of operations post the 2008 financial crisis, GMAC applied to become a bank holding company and rebranded itself as Ally Financial. After recovering from the recession entirely around 2014, Ally went public. Since then, they’ve largely focused their operations on becoming an online-only bank, offering competitive rates for deposits into savings accounts. About 3-4% of the traditional commercial banking segment has currently been poached by Ally. Currently, Ally has $185B in assets with $121B in total deposits and $36.3B in auto loan origination. Last year, Ally Financial had the highest total sales and earnings per share out of any year on record, with an additional $14.6B in deposits backing this.
According to S&P Global; American Express, Discover, Goldman Sachs, and Ally have delivered far better deposit growth when compared to traditional banks like JP Morgan, Bank of America, Wells Fargo, and Citi. The biggest indicator of a company’s success lies not in its financials -- which are what bear the fruits of the success -- but in the leadership. Despite Ally financials humble beginnings as GMAC, their adaptability in changing everything in the past ten years out of their century-long history gives us some perspective into how important leadership truly is. Before, Ally’s auto loan business provided only to GM and Chrysler dealers minimally, but now in this decentralized era which consists of thousands of dealers dealing out thousands of cars, Ally has went the extra step and not only works with every manufacturer, but they now have a “market-driven, full product suite, full credit-spectrum, OEM-agnostic provider employing sophisticated pricing and risk analytics to optimize
risk-adjusted returns”. Adding to what used to be their primary business model, Ally became a consumer-first bank that stayed true to the nature of what a bank is supposed to do which is to provide their clients with the best possible service in the most convenient manner possible. Ally has shown you don’t need to work hand-in-hand with large investment banks in order to achieve record levels of deposit growth and reputability on the market place; you only need a product that the average American will feel comfortable using. With this technology-based model Ally is turning the financial industry on its head: “In 2019, we delivered record results at Ally Bank, growing our retail deposit customer base by 322,000, to nearly 2 million customers. Our 16% annual retail deposit growth, which was nearly three times the industry growth rate, propelled us to $120.8 billion in total deposits”. Evidence of their mark being left in the financial system is shown by their unsecured credit ratings being upgraded to investment grade by Standards & Poors. According to Ally: “These upgrades strengthen our funding profile by providing access to a broader and deeper pool of investors and are a reflection of our tremendous progress”. This paradigm shift signifies that the traditional finance world is ready to accept the fintech firms of now, and that reality coinciding with the fact that consumers favor fintech firms over traditional banks creates a formula for success within this sector, and especially for the well-established Ally. According to Statista, consumers prefer mobile banking due to greater awareness of their financial situation at all times, the variety of services offered (which primarily has to do with an interface that shows consumers everything they need), and a confidence in their ability to make sound financial decisions. I believe all these consumer needs are filled by online banks due to the technologization of every consumer product, which makes us susceptible to believing that those things that are on our phone and require the least human interaction are the best and most convenient. Despite Ally Financial's revolutionary platform, they stay true to the nature of their industry, by consistently buying back shares and returning profits to shareholders through a 1.62% dividend, only slightly lower than giant BofA.
In the past five years, earnings per share have more than doubled which has contributed towards retained earnings that could be used to buy back stock and repay shareholders. This model functions for this fintech company because of their solid 12.3% net profit margin. Ally also has a net interest margin of 2.5% according to Wall Street Journal, which is significantly below the US commercial bank average of around 3.5%. I actually see this as a positive sign as this shows that Ally still has lots of room to grow in terms of profitability. Currently, Ally still has relatively small divisions with huge potential in corporate finance ($239M in revenue, 5.7B held for investment), home financing ($2.7B originated last year), insurance ($1.3B in premiums generated last year, up 12% YoY), and as the automotive landscape has evolved, Ally is confident their decade-old dealer ties and consumer-friendly platform will position them for continued success in that field. Ally positions itself as a strong growth stock with a ROA that’s 20% higher than $BAC, a ROE that’s 57% higher than $BAC, and a relatively low dividend payout ratio of 13%. This makes it a bank that is well-positioned to grow in terms of its stock, and provide a solid dividend to go along with it, making it one of my favorite safety picks that will yield solid returns on any given year. If you need financials in your portfolio, Ally makes a very strong case. The average analyst price target ($52) is still higher than the current share price ($47) and I’d place Ally at a P/E multiple of about 21 (at LEAST the same as BofA), implying a 28% upside. Factor in the fact that Ally increases EPS by 23% every year for the past five years and the fact that BofA increases EPS only by 7% yearly over the same span, and you could argue for a far higher target price.
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2021.04.15 17:35 PsychedelicMention "shrooms" in /r/playrust: My character after eating only shrooms, raw human meat, and anti radiation pills for the 10th day in a row
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2021.04.15 17:35 vidieowiz4 Dimarzio Black Angel Piezo not outputting sound? Am a noob and stumped
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2021.04.15 17:35 Scho567 Throwback Thursday: Sechs Kies
Hi everyone and welcome to another Throwback Thursday! This week we are celebrating Sechs Kies on their debut anniversary.
Sechs Kies are a first-generation boys group that debuted on 15th April 1997 under DSP Entertainment. They are regarded as one of the first highly successful Kpop groups and were pioneers in fandom culture. Whilst they did disband on 20th May 2000 they regrouped on 10th Mat 2016 and signed under YG on 14th April. The current members are Eun Jiwon, Lee Jaljin, Kim Jaeduck, and Jang Suwon. Ex-members are Kang Sunghoon and Ko Jiyong.
2021.04.15 17:35 QuarantInc Our Pixel-Art Game is now 57% Off on Steam (only €3.17/$3.86/£2.66)!
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2021.04.15 17:35 I_stan_water Im never lucky when it comes to cards so im really excited😩🤚
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2021.04.15 17:35 BlueDusk99 Offre commerciale
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2021.04.15 17:35 No-Management8345 Sad. Came to see comerica park and am striking out myself.
2021.04.15 17:35 thatoneperson1208 This is my first not, I have four more incoming.
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2021.04.15 17:35 Ariya502 20 [F4M][Hit the up arrow and ill send an instant nude pack. always in the mood for sexting and add me on snap:roosnaomi12
2021.04.15 17:35 star-pix Today I dropped a carrot... 😂
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