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  • What Is Risk Management in Finance, and Why Is It Important?

    Each exchange of funds, goods, or services in order to complete a transaction can be considered as a series of counterparties. For example, if a buyer purchases a retail product online to be shipped to their home, the buyer and retailer are counterparties, as are the buyer and the delivery service. Both parties do not have to be of equal standing—an individual can be a counterparty to a business and vice versa. Profit and prosper with the best of Kiplinger’s advice on investing, taxes, retirement, personal finance and much more. Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more – straight to your e-mail.

    Regulatory Compliance

    • Financial institutions use various risk assessment techniques, such as historical loss data analysis and scenario analysis, to mitigate operational risk effectively.
    • This means stress testing and making sure their investments are spread out to protect against sudden changes in the market.
    • Liquidity risk is typically tackled by cash flow management software.
    • Errors in data entry, miscommunication, or simple oversight are common examples.

    The valuation is very important, which offers the firm an idea of where they stand in the market. At the same time, the firm can calculate the financial leverage and the degree of financial crypto markets hit after us authorities ‘look into’ binance exchange leverage. The firm can also use debt-equity ratio, interest coverage ratio, and other financial ratios to find out its level. When a firm can’t sell an asset quickly, it is a liquidity risk for the firm. For example, if a firm buys an asset and then, shortly, it becomes obsolete, it would be pretty risky for the business.

    Risk Management

    However, we see more mixed signals in the data, and believe equity investors are failing to consider at least three key risks. “Fear and greed, particularly FOMO (fear of missing out), fuel fixations on assets like gold, bitcoin or meme stocks,” explains Bishop. “These preferences expose deeper worldviews. Gold reflects fear of economic collapse. Bitcoin signals distrust in fiat currency. Meme stocks chase ambitious, almost rebellious dreams of beating the system.” In statistical decision theory, the risk function is defined as the expected value of a given loss function as a the definition of leverage and margin function of the decision rule used to make decisions in the face of uncertainty. This will help you to manage your cash flow and ensure that you have enough money to cover your expenses.

    Stock investing comes with very high risks as every single piece of information would cause market prices to fluctuate. Correlations must be identified and understood, and since they are not constant it may be necessary to rebalance the portfolio which incurs transaction costs due to buying and selling assets. There is also the risk that as an investor or fund manager diversifies, their ability to monitor and understand the assets may decline leading to the possibility of losses due to poor decisions or unforeseen correlations. This stands for Risk and Insurance Management SocietyCertified Risk Management Professional.

    This situation reminded us of how crucial it is for businesses to spread their investments and manage their cash flow wisely. Businesses that effectively manage financial risks can outperform competitors who are risk averse. Review key financial documents, including income statements, balance sheets, and cash flow statements. Assess financial health using metrics like liquidity ratios, profitability, and debt-to-equity ratios. Legal risk arises from the possibility of financial loss due to legal actions, disputes, or non-compliance with laws and regulations.

    Management

    • It’s the constant risk that an investment, business venture, or financial decision will go differently than planned.
    • In the corporate sector, companies face several types of financial risks.
    • If you own an international investment, events within that country can affect your investment (political risk and currency risk, to name two).
    • Portfolio managers need to evaluate the companies’ risks and how those companies are addressing them.

    This means identifying different financial risks, including market, credit, liquidity, and operational risk. The goal is clearly understanding what could go wrong and how it could impact the company. Economic and market analysis involves assessing economic trends, market conditions, and their potential impact on business decisions. For instance, a company conducting an analysis might review inflation rates, consumer spending patterns, and industry-specific data to forecast market shifts.

    Funding Liquidity

    This is important as higher urgency risks should be dealt with much quicker than risks that are of a lower severity. For structured markets, such as the stock or futures markets, financial counterparty risk is mitigated by the clearing houses and exchanges. When you buy a stock, you don’t need to worry about the financial viability of the person on the other side of the transaction. The clearing house or exchange steps up as the counterparty, guaranteeing the stocks you bought or the funds you expect from a sale.

    Credit Risk

    Diversification means spreading your investments across different types of assets. For example, you buy stocks from various industries instead of putting all your money into one company’s stock. This includes failing to catch or respond to issues like system failures or handling company resources wisely.

    Risk: What It Means in Investing and How to Measure and Manage It

    Rick is a highly accomplished finance and accounting professional with over a decade of experience. Specializing in delivering exceptional value to businesses, Rick navigates the complexities of the financial realm easily. His expertise spans various industries, consistently providing accurate insights and recommendations to support informed decision-making. Rick simplifies complex financial concepts into actionable plans, fostering collaboration between finance and other departments. With a proven track record, Rick is a leading writer who brings clarity and directness to finance and accounting, helping businesses confidently achieve their goals.

    Considerations that should be made at this stage include the severity of the risk, whether the risk is tolerable, what other parties have done to manage similar risks in the past and how effective those strategies were. However, in general, the strategy selected should appropriately reflect the nature of the risk, and the individual or corporation’s current situation. Counterparty risk is the risk that the other party in the transaction will not honor the agreement and fulfill its side of the deal. Fortunately, in financial markets this often isn’t an issue as counterparty risk is transferred to clearinghouses. Investors should consider adding exposure to real assets like gold, real estate investment trusts (REITs), energy infrastructure, and industrial and agricultural commodities. It may also be wise to take an active stock-selection approach to U.S. large-cap quality stocks.

    This risk centres on cash flow, and describes the possibility that a company may not be able how to buy wbnb to meet its short-to-medium term liabilities. Periodically review and adjust the risk assessment as business operations or market conditions evolve. Operational risk refers to the risk of loss due to inadequate or failed internal processes, systems, or human errors.

    The direct cash flow method is more challenging to perform but offers a more detailed and more insightful analysis. In this method, an analyst will directly adjust future cash flows by applying a certainty factor to them. The certainty factor is an estimate of how likely it is that the cash flows will actually be received. From there, the analyst simply has to discount the cash flows at the time value of money in order to get the net present value (NPV) of the investment. Warren Buffett is famous for using this approach to valuing companies. While most investment professionals agree that diversification can’t guarantee against a loss, it is the most important component to helping an investor reach long-range financial goals while minimizing risk.

    Specialties include general financial planning, career development, lending, retirement, tax preparation, and credit. According to Statista data, 17% of small and midsize businesses have outstanding debts ranging from $100,000 to $250,000. Statistical analysis, such as standard deviation or beta coefficients, is a common method used to measure risk.

    By understanding the different types of financial risk, you can make better decisions about your money and protect yourself from potential losses. Overall, financial risk can have a significant impact on businesses. It is important for businesses to understand the risks they face and to take steps to mitigate them.

  • BDSwiss Review 2025 Pros, Cons & Key Findings

    The answer is No; as a BDSwiss client, your account balance can’t fall below zero. Lastly is the Educational Videos section, which comprises of 18 videos talking on subjects that include trading strategy, support, and resistance, interpreting markets, portfolio management, and more. It will help to remember that although your registration is complete, you will need to go through the verification process if you intend to deposit and withdraw funds when using your live account.

    BDSwiss is a hands-on broker that engages with potential clients at numerous seminars each year, where it introduces Forex trading basics. The most ignored trading costs are swap rates on leveraged overnight positions. Depending on the trading strategy, it may become the most significant fee per trade. I always recommend that traders check them before evaluating the total trading costs. Traders will pay currency conversion fees if their deposit currency does not match the account base currency.

    Regulated in multiple jurisdictions, the broker upholds high standards through fund segregation, data protection, and rigorous oversight – safeguarding both capital and personal information. BDSwiss gives traders exposure to over 250 CFD instruments across Forex, Stocks, Indices, Commodities, and Cryptocurrencies. With tight spreads, dynamic leverage, and seamless platform integration, BDSwiss creates a versatile environment for both traditional investors and crypto-focused traders. BDSwiss clients who want an expert to trade with their funds can participate in the Wealth management program. Each professional trader who takes part in this program can be tracked and you can see his performance metrics (Monthly/daily gain, manager’s capital, trading style etc.). Based on this information you can decide in whose hands you are going to give your resources.

    • The trading signal service is exclusive to BDSwiss black account holders.
    • DayTrading.com may receive compensation from the brands or services mentioned on this website.
    • Experience a platform trusted by thousands of traders — fast execution, user-friendly tools, and full regulatory backing.
    • The provision of multiple channels for support signifies BDSwiss’s commitment to ensuring that traders receive timely help whenever needed.

    It offers regulated services under entities like the Mauritius FSC and Seychelles FSA. However, it is no longer regulated by top-tier authorities like the FCA or CySEC, which might concern some traders. MT5 is an upgrade that offers additional features, such as depth of market and a broader range of tradable assets, which helps streamline multi-asset trading. When I opened a VIP demo account, I was given $10,000 in virtual funds to practice on all platforms.

    Trading platforms

    Besides online banking, wire transfer is a possibility also, though it takes approximately 4-7 days. It will require you to fill in details pertaining to the credibility and security of your account. You will probably also have top go through the standard KYC (Know Your Customer) checks but BDSwiss are normally pretty quick with this. Understand the trading resources available with BDSwiss, Startrader & freetrade below. Understand the capabilities of the mobile apps of BDSwiss, Startrader & freetrade below. If trading forex pairs is of interest to you then BDSwiss offer over currency pairs.

    Unfortunately, I couldn’t manually alter the balance or the leverage. I noticed some advanced features like personal account managers or premium analytics are only accessible in higher-tier accounts or with more significant deposits of $1,000+. The BDSwiss education section is another area in which they shine through. They have a whole range of video content which they have brought into the BDSwiss trading academy structure and broken into three distinct levels, beginner, intermediate, and advanced. This means no matter what your skill level, this forex broker has something on offer to help you develop.

    BDSwiss offers a demo account for all its accounts except for the Cent account. Additionally, the broker offers negative balance protection, an added layer of security during periods of market turbulence that means you can’t lose more than your balance. Added to that, they also provide access to a range of educational webinars known as trading talks. These are delivered by industry experts and can provide some meaningful insight to help you develop your trading skills.

    Whatever you are looking to trade, the varying BDSwiss account types will be able to provide you with what you need. You can start using the MetaTrader 4 platform with BDSwiss in multiple formats including through an online web platform, Through a downloadable application for Windows PCs and Apple Macintosh computers. BDSwiss allows traders to trade on mobile devices through Android and iOS devices like the iPhone. Let’s explore each of these trading platforms in detail and what options BDSwiss gives you.

    BDSwiss minimum deposit

    You need to check all of the benefits listed so that you have a better comprehension of BDSwiss. We recognize that well-informed decisions with BDSwiss are the cornerstone of successful trading. So, make yourself comfortable, grab a cup of coffee, and immerse yourself in learning about BDSwiss and how it can benefit you, or if BDSwiss might not be the right fit for you.

    Support

    There are also a few video tutorials to assist beginners, but these are very limited compared to more comprehensive and practical libraries from other brokers such as Axi. The materials are a good starting point but lack multimedia, advanced topics, and interactive learning options. The broker are well placed to continue their growth with regulation for US trading already in place. This could prove to be a launch pad for the broker to achieve more success in the coming years and continuing to grow their trading base and improve their offering for all.

    How Can You Deposit And Withdraw With BDSwiss?

    • The most ignored trading costs are swap rates on leveraged overnight positions.
    • Before trading online with a broker like BDSwiss you should be sure they’re legitimate online agent.
    • Once you are on the site, you must click the “sign up” button in the header on the right side next to the “log in” button.
    • BDSwiss does not provide services to clients in the USA, UK, EU, and countries under sanctions like Iran, North Korea, Syria, and others.

    The company offers several trading account types, including a Classic account, a Premium account, a raw account, and a VIP account, which cater to the needs of different types of traders. The platform also offers a wide range of trading tools and features, such as automated trading, technical analysis, and market news updates, which can help traders make informed trading decisions. BDSwiss features multiple trading platforms, including MT5 and proprietary platforms, which is in line with other brokers, though it lacks access to some options like TradingView and cTrader that others provide. While BDSwiss remains regulated by multiple authorities, its asset range and customer support hours may appeal more to beginner or intermediate traders compared to larger brokers with more extensive offerings.

    Investment Products

    Whilst there are probably enough instruments for the average retail trader, those of you who want a larger selection could consider Freedom24 instead. The BDSwiss Trading Academy has a wealth of educational resources to help you increase your trading knowledge. There are video courses, articles and webinars for all levels of trader. I think the academy could be great for those of you who have no prior experience. If you want even more learning resources, I recommend taking a look at the excellent variety that FXTM have. The economic calendar displays the latest economic news releases along with the level of impact they are expected to have.

    Head to the official BDSwiss website and click on “Sign Up” to access the account registration form. German entrepreneur and investor Jan Malkus leads the broker and now operates as part of bdswiss forex broker review the BDS Ltd company, registered in Mahe, Seychelles. Document everything, file regulatory complaints, seek legal advice, and prepare for a long fight to recover funds. $30 monthly inactivity fee adds insult to injury when you can’t withdraw.

    Less common or exotic currency pairs typically have wider spreads attributable to reduced liquidity and heightened volatility. The Raw Account is typically tailored for meticulous, higher-activity traders or scalpers requiring direct market-based pricing. Spreads can start from near zero on top-tier forex pairs, supplemented by a per-lot commission that ensures transparent cost calculations. While the commission can appear as an additional step, it often results in a decreased total cost for those initiating frequent trades or maintaining tight stop strategies.

    Payoneer is a content creator and works with Pond5, iStock, Pond5 and other companies as well as the freelance market. This may seem to be a little number, but over the year, this adds to a significant amount of gains. While BDSwiss supply you all the tools to make money, they can’t guarantee you will gain. You will find the clean design of this platform along with the commendable features are pleasant to work with. However, due to regulations BDSwiss cannot accept clients resident in Brazil, Republic of Korea, Iran, Iraq, Syrian Arab Republic, Japan, and United States of America. You can use debit or credit cards Which range from Visa, Diners, and Maestro to MasterCard and Visa Electron.

  • Best Forex Brokers in Canada 2025: Fees, Safety, and More

    This commission can be reduced if you meet the broker’s requirements for monthly trading volumes, reducing it to as low as $1.00 per lot traded. Access to the liquidity provider’s price streams lets you see where other traders place their open orders and how much in lots is placed, giving you the best insights into where other traders think the price will move. CMC Markets is a top CIRO broker with many decent benefits, but what sticks out for us is it has the most currency pairs available, over 330+ in total. Yes, MT4 supports Forex automation through EAs (Expert Advisors), which are the platform’s automated trading bots. EAs are programmed using MT4’s unique MQL4 language, and will follow any instruction you set.

    What Are The Costs of Using MT4?

    The only costs of using MT4 are trading costs, such as spreads and commissions. As such, actual costs vary depending on which MT4 broker you sign up with. In order to trade online, you will need to be able to deposit and withdraw funds to and from your forex broker account. Online brokers can offer a range of different account deposit and withdrawal methods.

    Introduction: The Evolution of Prop Trading in Canada (2025 Overview)

    • Compare challenges, rules, payouts & get exclusive discount codes with The Trusted Prop.
    • A recent review from a beginner investor details how Questrade’s educational resources and user-friendly platform helped them successfully build a diversified portfolio within a year.
    • AvaTrade does not advertise a standard welcome bonus or deposit bonus for Canadian residents.
    • Admirals has expanded its operations to Canada via Admiral Markets Canada Limited.
    • We like that you can set your trade sizes, stop loss, and take profit orders in the Mini terminal, automatically executing all the orders with the one-click trading feature.

    Although this has obvious benefits, it also means that there is no one overseeing authority that can regulate a market of such scale. As so, the market is divided into jurisdictions with its own responsibility to help keep the market safe, secure, and a healthy environment for traders. All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on tokenist.com. Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website.

    Commissions are $0, and spreads are competitive for mid-cap and large-cap names, but overnight holding fees and a lack of direct asset ownership are notable distinctions compared to traditional brokers. I tested AvaTrade in real conditions to see if it truly lives up to its reputation for Canadian traders. Interactive Brokers’ trading platform, Trader Workstation, offers advanced functionality that forex traders will find quite appealing. The platform supports watchlists, advanced charting capabilities, as well as over 20 order types.

    • This entry level is designed to be accessible for a broad range of new traders.
    • Interactive Brokers is a global electronic broker founded in 1978, offering trading in stocks, options, futures, forex, bonds, ETFs, and cryptocurrencies across 150 markets in 33 countries.
    • OANDA is a global multi-asset broker founded in 1996, offering trading on forex, CFDs, commodities, indices, and cryptocurrencies.
    • For capital gains, losses can be used to offset other capital gains in the same year or carried forward to future tax years.

    Trust Scores range from 1 to 99 (the higher a broker’s rating, the better). Since then, it has expanded its services globally, including in Canada, where it operates in partnership with Friedberg Direct for regulatory compliance. AvaTrade does not advertise a standard welcome bonus or deposit bonus for Canadian residents. Promotional offers may occasionally be available, but they are not a regular feature due to Canadian regulatory restrictions. Crypto is offered only through CFDs at AvaTrade, so there’s no classic buy/sell fee or custody charge—just a single, all-inclusive spread, and an overnight fee for holding leveraged positions outside market hours. Spreads start at 0.25% for major coins and can widen considerably during market volatility.

    Top CIRO Regulated Forex Brokers

    These demo accounts generally do not expire and can be topped up, providing a risk-free environment to test strategies. Beginners can use demo accounts to test strategies and evaluate canadian forex review brokers, signal providers and algorithmic trading solutions. However, it is important to remember that risking real money in a live account feels different to paper trading. The best Forex / CFD brokers for Canadian residents are the ones that deliver an honest and well-regulated service, which lets you trade what you want to trade under good execution conditions, and which offer competitive fees.

    Best Forex Brokers Canada Comparison

    Clients will gain access to 40,000+ instruments in total, including 105 currency pairs, and spot trading. However, if you pay more than $10 a month in commissions, the fee will be waived. Speaking of commissions, they start at 0.2 pips with a $2 per order minimum – however, that amount is decreased for active traders. Interactive Brokers offers a customizable platform, useful research tools, and low trading fees. However, it is their wide range of investment opportunities that sets them apart from the competition. For instance, if a trader in Canada has a $10,000 trading account and doubles the equity to $20,000, the $10,000 profit would be considered a capital gain.

    best for trading flexibility in Canada

    This range of platforms makes the firm suitable to a wide audience depending on your trading style and needs from beginners to automated trading for more advanced traders. The impressive platform offers clients a variety of powerful platforms, powerful charting and research tools, and a wide selection of investment opportunities. The one area where IBKR stands head and shoulders above the competition is its range of tradeable assets.

    Does AvaTrade offer copy trading or social trading?

    For forex traders, who want manual execution, the cTrader forex trading platform offers good functionality where you can trade directly from the charts, as well as drag and drop stops and limits. Yes, AvaTrade provides access to copy trading services through platforms like AvaSocial, DupliTrade, and ZuluTrade. These allow clients to follow and automatically replicate the trades of experienced traders directly from their account. Negative balance protection comes standard, which is critical for CFD and leveraged trading, providing extra security for traders of all experience levels. A standout advantage is the inclusion of options trading (via AvaOptions), which broadens possibilities for advanced risk management and volatility strategies rarely offered by Canada-compliant brokers in the CFD space.

    With no minimum deposit requirement and competitive pricing, it effectively serves both novice and experienced traders looking to access global markets. The standard account, with a minimum deposit of $250 USD, does not charge direct commissions on most trades. Instead, AvaTrade embeds its compensation within the spreads, which range from tight to average compared to other IIROC-regulated brokers. For EUR/USD, I observe spreads often start at 0.9 pips, competitive but not as sharp as true ECN/Raw accounts you might find elsewhere globally. FXCM is a global forex and CFD broker founded in 1999, offering trading on currencies, commodities, indices, stocks, and cryptocurrencies. FXCM is known for competitive spreads, extensive educational resources, and copy trading services.

    We also review each broker’s regulatory status; this research helps us determine whether you should trust the broker to keep your money safe. As part of this effort, we track 100+ international regulatory agencies to power our proprietary Trust Score rating system. Take advantage of the demo account on AvaTrade to test platform layouts, try out Expert Advisors or copy trading solutions, and practice order placement without risk. Compare execution speed and visibility of risk controls between AvaTradeGO and MT4/MT5 to optimize your preferred workflow before going live.

  • 9 Best Charities for Drug Addiction Recovery & Support

    At Recovery at the Crossroads, we help clients build healthy routines and coping strategies tailored to their lives. However, they are also still acutely aware of the benefits they perceive from alcohol or drug addiction. This is a critical stage for family members and treatment facilities because the person is more likely to listen to reason. By avoiding blame, judgment and accusations, it’s possible to guide them to the next stage. Someone might remain in this stage due to a lack of information about addictive behaviors.

    drug addiction recoveries

    Skills like stress management, effective communication, and problem-solving promote emotional stability, while time management and conflict resolution support healthier interpersonal relationships. Learning healthy routines, job skills, and financial management empowers individuals to rebuild a balanced, sustainable lifestyle, which can be critical for long-term recovery success. To analyze the literature, the conventional content analysis method was used based https://ecosober.com/ on the model proposed by Graneheim and Lundman. Content analysis refers to the understanding, interpretation, and conceptualization of the core meanings of data. According to Polit and Beck (15), content analysis is the process of organizing and integrating stories and qualitative data that results in the genesis of themes and notions.

    drug addiction recoveries

    Fortunately, most of the acute symptoms of withdrawal pass within a week or two of quitting. However, some people who quit an addiction find that certain withdrawal symptoms seem to go on and on. This is known as post-acute withdrawal syndrome (PAWS), and it can continue for weeks, months, or even years in some cases.

    What is the transtheoretical model in addiction treatment?

    The change destabilizes the adaptation the family has made—and while the person in recovery is learning to do things differently, so must the rest of the family learn to do things differently. Otherwise, their behavior is at risk of cementing the problem in place. They also value having role models of recovery and someone to call on when the recovering self is an unsteady newborn.

    Ongoing treatment

    Public speaker, mental health advocate, and entrepreneur, Mikey Tableman inspires others through his story of recovery. Rachel Hechtman, recovery advocate and sober life coach, celebrates 34 months of sobriety and shares her incredible recovery story. Medications for opioid use disorder are safe, effective, and save lives. Naomi Carr is a qualified mental health nurse with several years of experience working with children and adults in the UK.

    Treatment and recovery options

    The Council on Recovery is the starting point for everyone who needs help. Going beyond other organizations, we’re committed to helping individuals, families, and the entire community recover. Making amends with someone may lead to a renewed relationship, and it may not. However, the key is that you are actively working on a better, healthier lifestyle while being accountable for behaviors you made in the past. Setting goals and working toward accomplishing them can provide you with motivation and positive reinforcement in your new drug-free life. As you eliminate any possible toxic people or situations from your life, you’ll want to replace those with healthier habits.

    Subscribe to Our Newsletter for Updates from Gateway Foundation

    The Council on Recovery was the complete opposite of what I expected or had gone through in other programs. I found myself looking forward to classes and feeling the weight lifting off of my shoulders with every new day. This is where I learned to deal with my problems properly instead of running away. It can be as simple as finding a support group, continuing a certain amount of therapy sessions, or even creating a new habit like making the bed every day. In many cases, individuals imprisoned for drug-related crimes must live at a halfway house after serving their sentences. Depending on your needs, your doctor or licensed addiction counselor can help you explore the best mix of services to support continued healing.

    Find your lifebeyond addiction

    In this study, antecedents are those events that should have occurred before recovery (36), which is divided into 2 categories. The “personal resources” and “social resources” are the antecedents of the notion of addiction recovery, affecting this concept in different stages of recovery (Figure 2) (37). The extent and quality of the internal and external resources determine the onset, continuation, and maintenance of complete recovery from addiction. Each group advocates a different set of recovery concepts and practices that have been formerly co-functioned. Studies of outcome of addiction treatment may use one term or the other, but they typically measure the same effects.

    • Going beyond other organizations, we’re committed to helping individuals, families, and the entire community recover.
    • For many experts, the key components of addictive disorder are compulsive drug use that continues despite detrimental consequences, and the development of cravings with the inability to control use.
    • Gateway Foundation Corrections is a Division of Gateway Foundation, Inc., a non-profit organization dedicated to making a real difference in the lives of the people we treat.
    • And no matter what type of care you need, you’ll be in a safe, judgment-free environment — with support from a highly skilled, deeply compassionate care team.

    drug addiction recoveries

    Recovery is affected by socioeconomic and social factors which involve family and community strengths and responsibilities. Community is the relationships and social networks that provide support, acceptance, friendship, love, respect, and hope. Purpose refers to daily meaningful activities, such as a job, home, school, volunteerism, family caretaking, or creative endeavors, and the independence, income, and resources to participate in the society. Finally, health is overcoming or managing one’s condition and symptoms (20, 21, 23-25, 29, 32, 41-43). Recovery starts and continues in relation to personal traits, intensity, duration, personal needs, and society. In the course of recovery, the individual’s objectives matter and this process may continue at any speed what is Oxford House or rate and taking any approach and everyone’s own experience (4, 26, 29-31).

    • Women for Sobriety focuses on the needs of women with any type of substance use problem.
    • When people take drugs, the brain is flooded with chemicals that take over the brain’s reward system and cause them to repeat behaviors that feel good but aren’t healthy.
    • Whatever your goals, it’s the struggle to get there that’s most rewarding.
    • Eventually, 34 articles matching the research objectives were selected and 5 articles mentioned in the reference sections of some of the articles were included in the study.
    • Once you understand your triggers, you can put things in place to reduce the chance of relapsing again.
    • At Recovery at the Crossroads, we design our evidence-based treatment programs around the five stages of change model.

    An example of those who have attempted to differentiate recovery from substance use (11) is the Betty Ford Institute Consensus Panel. They differentiated recovery from substance use as a “voluntarily maintained lifestyle characterized by sobriety, personal health, and citizenship.” (4). Deegan (1988) defined recovery as the process of “recovering a new sense of self and of purpose within and beyond the limits of the disability.” (11).

    Mental Health Newsletter

    Blood, urine or other lab tests are used to assess drug use, but they’re not a diagnostic test for addiction. However, these tests may be used for monitoring treatment and recovery. Our highly skilled and accredited clinical and medical professionals deliver personalized treatment plans for patients at any stage of recovery.

    In some cases, you may need medical supervision during the detox process. Learning how to overcome an addiction is important for anyone experiencing a substance use disorder (SUD), alcohol use disorder (AUD), or behavioral addiction. While challenging, recognizing that there is a problem and learning more about the process of quitting are important first steps in recovery. Counseling can help members with SUD explore the reasons behind their drug or alcohol use and come up with new, healthy coping strategies. It can be especially effective for members who also have a mental health condition, or who started using to deal with distressing emotions, trauma, or excessive stress. When people become physically dependent on alcohol or drugs, it’s not safe for them to stop drinking or using without medical supervision.

  • How Much Does a Bookkeeper Cost? Guide to Bookkeeping Fees

    cost of bookkeeping

    This is a great solution for small businesses needing occasional professional support. While Bench doesn’t offer accrual accounting services, we specialize in a modified version of cash basis bookkeeping. This approach allows us to record transactions as soon as funds are deposited into your bank or charged to your bank or https://irst.world/home/non-depreciable-assets-in-accounting-and-taxation/ credit card.

    • The U.S. Bureau of Labor Statistics states that the average hourly pay for bookkeepers is $22.81 per hour.
    • In reality, you’d be hard pressed to come across a business owner who isn’t strapped for time.
    • Project-based rates can vary depending on the scope and duration of the project.
    • This type of pricing system is useful when you have a complicated problem that needs fixing.
    • That’s why it’s a good idea to assess the qualifications and experience of a person in this position.

    Advantages of Hiring a Part-Time Self-Employed Bookkeeper:

    • If either part-time or in-house bookkeeping is not the ideal solution, switching to outsourced bookkeeping or accounting could be your best option.
    • It’s important to understand how each pricing model works and which one is best suited to your business’s needs.
    • Maybe you’re new to the 1099 world, or have simple finances you don’t mind managing on your own.
    • A part-time bookkeeper will usually cost more per hour than full-time bookkeepers, but the total monthly cost will be less.
    • Small business owners must decide between doing it themselves (DIY) or hiring a professional, each with its own advantages and drawbacks.

    When you bring Bookkeeping Services on board, you’re taking the first step to understand your business better and plan for the future. The cost of hiring a bookkeeper depends on their experience and the unique needs of your business. Having an experienced bookkeeper by your side allows you to focus on different aspects of your business while they handle your finances, contributing to improved cash flow and increased profits.

    How Much Do Small Businesses Pay In Taxes?

    Additionally, check to confirm the online bookkeeping service uses the same small-business accounting software as you. cash flow If you’re satisfied with your current accounting software, we don’t recommend going through the trouble of switching. On average, you can expect to pay $3,000-$4,500/month or $35,000-$55,000/year plus benefits and the various overhead costs for a full-time bookkeeping service. For example, larger cities attract a higher cost of living, which might move the upper salary limit to around $70,000/year plus benefits, or even more. Not only this, but the higher real estate costs in such locations increase the company overheads and office space rents. The monthly average cost of outsourcing bookkeeping services starts at about $400 for very basic payroll administration for a small business, rising to around $900 or more.

    cost of bookkeeping

    Corporate Tax Rates and Small Business Tax Rates in Canada

    cost of bookkeeping

    But, the rates for more complicated accounting can start at $2,500 and increase to at least $5,000/month depending on your requirements. If your business needs full-time support, hiring an in-house bookkeeper is an option. Salaries for in-house bookkeepers typically range from $3,000 to $4,500 per month, factoring in wages, benefits, and payroll taxes. This is a good fit for larger small businesses with complex financial requirements, but it’s often overkill for smaller operations. Bookkeeping firms provide structured, reliable services on a monthly pricing model rather than charging by the hour.

    • And while it may not be the most glamorous topic, bookkeeping also plays a part.
    • Still, from state-to-state in the US, there are significant differences.
    • They also make adjustments to your books to ensure they’re accurate and tax-compliant.
    • When budgeting for bookkeeping services, it’s important to factor in additional costs beyond the standard bookkeeping fees.
    • Our detailed brochure provides insights into how Remote Books Online can help you maintain accurate bookkeeping, stay tax-ready, and make informed financial decisions.

    You must understand what bookkeeping services you need and whether it’s best to hire cost of bookkeeping a professional bookkeeper full time, part time, or outsource the service. They will keep your books in order and ensure your business has the financial strength required to operate. For medium to large-size business owners, full-charge bookkeepers can also manage payroll. Hiring an in-house bookkeeper involves several costs beyond just their salary.

    Your clients need help with bookkeeping and you’re wondering if Bench is the right fit? We’ve compiled some common questions and info here for tax professionals working with Bench. If your business is just starting out, or if you’re in a month-to-month cash crisis, it’s probably best to do your own bookkeeping for now. When you’re already working 60+ hour weeks and you’re exhausted, it can be easy for things to fall through the cracks.

    cost of bookkeeping

    QuickBooks Support

    cost of bookkeeping

    Every hour spent categorizing transactions or reconciling bank statements is an hour you’re not focusing on growing your business, serving customers, or generating revenue. A professional bookkeeper takes these tasks off your plate so you can put your energy where it matters most. If you’re on the fence about whether to hire a bookkeeper, it’s important to consider how much time, energy, and money you might be losing by managing your books yourself. Here’s why outsourcing bookkeeping can be one of the best investments you make for your business. Freelance bookkeepers typically charge upwards of $35 per hour, depending on their experience, certifications, and the services you need. Some offer flat-rate packages, which can be a good option if you need ongoing services rather than occasional help.

    cost of bookkeeping

    Bookkeeping Services Pricing Calculator – Get Accurate Costs

    Bureau of Labor Statistics, it costs about $47,000 a year to hire a bookkeeper for your small business. But, this cost can vary based on additional factors such as your bookkeeping needs and where you run your business. Even though outsourcing means you can choose to give certain types of finance work to specialists, such as the mundane or the advanced financial management. One of the main reasons these dense cities have higher bookkeeping costs than rural areas is the greater demand for bookkeeping services by industries in those areas. In that case, it’s doubly important to comply with your state and federal tax regulations. Furthermore, to keep your company’s cash flow and reputation intact, you must ensure you get paid regularly and pay your bills promptly, including the payroll.

    Flat Fee

    • Instead, it prepares graduates to enter entry-level accounting jobs or to advance their careers in bookkeeping, accounts payable, accounts receivable, bank reconciliation and expense reporting.
    • The program prepares graduates for the PayrollOrg Fundamental Payroll Certification (FPC) exam.
    • The only drawback of paying a full-time accountant is that you may need to offer them employee benefits.
    • Read on for more details about each and when it’s time to hire a professional.

    A larger or more complex company might benefit from hiring an accountant who can provide more comprehensive financial and tax advice. If they do agree to provide retroactive records, you could end up with a pretty hefty bill. The cost of full-service accounting is hefty, and CPAs tend to charge a higher hourly rate than bookkeepers.

  • Образцы и бланки дополнительных соглашений 2025 года

    Вне зависимости от того, какой именно способ написания будет выбран, документ обязательно должен быть подписан руководителем организации. Кроме того, если на предприятии и функционирует профсоюзный орган, документ должен быть утвержден и его представителем. Следует отметить, что чем тщательнее будет прописан документ, тем более защищенным будет работодатель в случае необоснованных претензий со стороны работника. Документ должен строжайшим образом соответствовать законодательству РФ, а противном случае, он может быть опровергнут в суде, виды бездокументарных ценных бумаг а ответственные за его написание лица, наказаны.

    К договору аренды

    В тексте Постановления всегда приводится список Федеральных законов, регламентирующих индексацию по тому или иному виду государственных пособий. С предельными значениями пособий по беременности, родам и уходу за ребенком вы можете ознакомиться в представленной таблице. Закон ограничивает право граждан РФ получать более одного пособия одновременно. Примерно по той же схеме начисляются пособия по уходу за ребенком до достижения им полутора лет. Другая форма налогов, в отличие от прямых, имеет отношение к реализации товаров, услуг, работ. Источник его находится в составе другого платежа, который будет производить потребитель.

    Акты

    Линейный код читается по горизонтали, то есть в одном направлении. К линейным штрих-кодам относятся следующие подвиды, различающиеся, в том числе, и по количеству включаемых в код символов. Например, код EAN имеет два варианта – восьмизначный и тринадцатизначный. Логично предположить, что 13-значный код включает в себя больший объем информации о товаре. Заключать трудовой договор заново, переписывать весь текст неудобно. Проще составить допсоглашение, в котором будет содержаться только актуальное положение.

    ПРАВИЛАвнутреннего трудового распорядкаразработаны в строгом соответствии с Трудовым кодексом РФ и определяют порядок работы на предприятии. Правила внутреннего трудового распорядка могут стать доказательством нарушения прав сотрудников и послужить документальным обоснованием для исковых требований. Сканер, считывая информацию, находится в постоянном контакте с базой данных конкретного субъекта предпринимательской деятельности.

    Назначение штрих-кода

    В Российской Федерации наиболее распространенным видом штриховых кодов являются линейный 13-значный и линейный 8-значный. Естественно, что размеры пособий будут существенно различаться в зависимости от того, работает ли гражданин официально или является безработным. Часть данных в таблице может быть в процессе обновления.

    Заголовок документа должен быть согласован с наименованием («акт»). То есть, он должен быть поставлен в родительном или предложном падеже. Обычно акты, формируемые комиссией, составляются по специальной форме, оговоренной в нормативных актах.

    Правила внутреннего распорядка могут быть написаны как от руки, так и в печатном виде, при этом может быть использован обычный лист формата А4 или фирменный бланк предприятия. Правила не имеют стандартного унифицированного образца, поэтому пишутся в произвольном виде, в зависимости от потребностей организации или по шаблону, разработанному внутри компании и утвержденному в ее учетной политике. Применение того или иного вида сканера обусловлено их разрешительной способностью при считывании информации, объемом товаров, товарооборотом и количеством покупателей. Введение в действие штрихового кода имело место в 1974 году, хоть патент на его изобретение был выдан в 1962 году. Кроме того, при определении размера пособия могут учитываться и иные условия, например, причина увольнения, нуждаемость или наличие трудового стажа.

    Акты, подтверждающие нарушение трудовой дисциплины

    Некоторые компании довольно пренебрежительно относятся к наличию и или составлению данного документа. Это неправильно, поскольку в случае жалобы кого-либо из сотрудников в трудовую инспекцию, ее представителе при выездной проверке, первым делом интересуются именно правилами внутреннего трудового распорядка. Еще и поэтому к составлению документа стоит относиться в высшей степени внимательно и серьезно – это позволит избежать в будущем разногласий с контролирующими структурами и возможных административных наказаний. Размеры государственных пособий и порядок их выплаты регламентируются различными нормативными актами как на федеральном, так и на региональном уровнях. Единого официального документа, который вмещал бы в себя все возможные формы и виды государственных пособий не существует. Документ под названием «Правила внутреннего трудового распорядка» регламентирует общий порядок работы на том или ином предприятии.

    Соглашение может аннулировать какие-либо пункты основного договора. Если договор необходимо заверять у нотариуса, то заверению подлежит и соглашение. Если оно отсутствует, то документ будет недействительным. Налоговый агент, то есть лицо, перечисляющее налог в государственную систему, и фактический плательщик в случае прямого налога полностью совпадают. Сохранить моё имя, email и адрес сайта в этом браузере для последующих моих комментариев. А во втором менять счетчик горячего или холодного водоснабжения будет управляющая компания или товарищество, которое взяло ответственность за управление коммунальным хозяйством конкретного дома.

    Применение в штрих-кодов в РФ

    • Если договор необходимо заверять у нотариуса, то заверению подлежит и соглашение.
    • Плательщиком такого налога является лицо, получившее доход или владеющее имуществом, если этот доход или имущество составляют налоговую базу.
    • По истечении этого периода комиссия обязана предоставить директору фирмы или лицу, уполномоченному действовать от его имени, результаты своей работы.
    • С точки зрения предпринимательства, слово «продажа» должно всегда употребляться в единственном числе, поскольку характеризует саму суть процесса деловой коммуникации.
    • Однако, в любом случае рекомендуется соблюдать некоторые нормы, установленные для таких документов правилами делопроизводства, а также стандарты русского языка.

    Однако важные положения могут измениться уже после заключения договора. В этом случае и составляется дополнительное соглашение. Оно будет иметь ту же юридическую силу, что и сам договор.

    Период деятельности той или иной комиссии определяется теми задачами, которые перед ней стоят, и регламентируются в распоряжении руководителя организации. Практика показывает, что, как правило, этот срок не превышает одного месяца. Написание данного документа может входить в должностные обязанности любого сотрудника организации, обладающего достаточным уровнем квалификации, определенными знаниями в области трудового и гражданского законодательства. Обычно в роли такового выступает юрисконсульт, секретарь или сам руководитель.

    Никто кроме руководителя не смог подтвердить нарушение ТК и внутренних распорядков. Руководитель издал приказ, с которым нужно, по закону, ознакомить сотрудника. Однако последний отказывается поставить свою подпись. Некоторые руководители организаций ошибочно полагают, что составление письменного приказа о создании комиссии не обязательно – достаточно обойтись устным распоряжением. Для того, чтобы комиссия работала «без сучка без задоринки» среди ее членов выбирается председатель, который несет ответственность за проведение всех необходимых мероприятий, а также составление сопутствующей им документации. Иногда, при особой надобности назначается еще и секретарь комиссии.

    По истечении этого периода комиссия обязана предоставить директору фирмы или лицу, уполномоченному действовать от его имени, результаты своей работы. В некоторых случаях к участию в комиссии могут привлекаться и сторонние эксперты, например, если дело касается какого-то высокотехнологичного оборудования, техники, специфических объектов и т.д. Начиная с 2016 года заверять правила печатью необязательно, т.к. Требование по применению в деятельности юридических лиц печатей и штампов отменено.

    • Акт в этом случае является подтверждением качественно выполненных работ, документом первичной отчетности перед товариществом.
    • Акт — одна из ключевых бумаг в документообороте компании.
    • Часто слова «продажа» и «бизнес» используются как синонимы.
    • Товар – овеществленный объект обмена на деньги, предназначенный для удовлетворения человеческих потребностей.
    • Функциональная польза от штрих-кодов может быть только в случае применения сканеров, считывающих со штрих-кода информацию.

    Для обеспечения желаемой цели была разработана система, позволяющая включать в штрих-код два направления для считывания – горизонтальное и вертикальное. Однако по сравнению с двумерными кодами все линейные штриховые коды обладают относительно малой информативной емкостью. Местом нанесения штрихового кода является упаковка товара, а способом его нанесения – приклеивание ярлыков с нанесенными на них печатными штрих-кодами.

    В этом случае в том же акте ставится отметка об отказе. Она заверяется подписями свидетелей и лиц, составляющих документ. Обычно акт составляется комиссией или другой группой лиц.

    Несмотря на то, что документ не является строго обязательным, он имеет широчайшее распространение. Его использую компании, задействованные во всех сферах бизнеса, относящиеся как к малому, так и к крупному предпринимательству. Если это не так, то нужно будет обосновывать это несовпадение другими документами. Также важны полное наименование организации, которая проводила замену, и сведения, на основании какой бумаги она имеет право это делать. Для заполнения данных о номере лицензии, дате и месте ее выдачи оставлена отдельная графа. В конце для юридической силы акта помещается подпись специалиста, который производил замену счетчика воды.

  • Биржевой стакан как с ним работать, как читать на бирже и анализировать

    Сравнительно большое количество участников рынка, большое количество заявок с обеих сторон, высокая ликвидность, узкий спред. Те, которые требуют определенной цены и исполняются, если есть встречное предложение. Рыночные ордера исполняются мгновенно и поэтому не висят в ожидании.

    Манипуляции в биржевом стакане

    Трейдеры могут отслеживать действия крупных участников рынка, таких как институциональные инвесторы, которые могут оказывать значительное влияние на цену актива. Если в стакане появляются крупные ордера, это может быть сигналом о том, что крупный игрок начинает накапливать позицию, что может предвещать изменение рыночной динамики. Айсберг-приказы могут быть полезны как для крупных игроков, так и для мелких трейдеров. Крупные участники рынка используют их, чтобы не испортить цену актива, в то время как мелкие трейдеры могут использовать такие приказы для анализа скрытых намерений крупных игроков. Однако, работа с айсберг-приказами требует внимательности и умения, поскольку не всегда можно точно определить, сколько еще скрытых ордеров может быть за пределами видимого объема. Крупные ордера представляют собой заявки на покупку или продажу, которые значительно превышают средний объем торговых операций на рынке.

    Поэтому, работая с пассивными заявками, важно быть внимательным и учитывать общую картину рынка. Кроме того, пассивные заявки могут использоваться для создания «поддержки» или «сопротивления» на графике. Трейдеры часто анализируют такие уровни, чтобы предсказать возможные развороты или продолжения тренда. Агрессивные заявки — это ордера, которые выставляются с целью немедленного исполнения.

    • Биржевой стакан — это ключевой инструмент для трейдеров, который отображает текущие заявки на покупку и продажу ценных бумаг на фондовом рынке.
    • В торговле биржевой стакан чаще используют с двумя целями – для распознавания ценового импульса и определения значимых уровней цен.
    • В то же время, если наблюдаются крупные продажи, это может сигнализировать о возможном падении.
    • Чем ближе находится заявка инвестора к нейтральной зоне, тем она ближе к настоящей рыночной стоимости актива, и наоборот.

    Плюсы и минусы инструмента

    В колонке Count https://eduforex.info/foreks-dlja-nachinajushhih-chto-takoe-birzhevoj-stakan-i-kak-s-nim-rabotat-html/ указывается количество ордеров по цене, отмеченной в колонке Price. Amount — сумма всех предложений трейдеров по этой цене. Total — общее количество монет, предложенных к покупке/продаже до уровня текущей рыночной цены.

    Пассивные и агрессивные заявки

    Инструмент отображает ордера на покупку и продажу актива с указанием цены и объема. Анализируя структуру биржевого стакана, трейдеры могут оценить наличие достаточного объема ордеров на определенных уровнях и насколько глубоко они расположены. Цена актива формируется за счет спроса и предложения, в зависимости от их соотношения участники рынка принимают решение об открытии сделки.

    Когда этот приказ исполняется по той же цене появляется такой же приказ того же объема, это продолжается до тех пор, пока не исполнится вся айсберг-заявка. Эти ситуации идентифицируются по таблице обезличенных сделок – по одному уровню заключается серия одного объема. При таком сценарии велика вероятность, что эта поддержка/сопротивление будет защищаться трейдером в будущем. Значение грамотного анализа рынка через стакан для управления рисками и повышения качества торговых операций трудно переоценить, так как это отражение живых действий участников. Его понимание приходит с практикой и внимательным изучением, поэтому не упускайте возможность использовать этот мощный источник информации для более уверенной работы на рынке. Удачные стратегии редко используют только Биржевой стакан — их комбинируют с другими инструментами технического анализа, например, с линиями тренда или, ключевыми уровнями.

    Эффективность биржевого стакана

    Например, активы развивающихся стран относятся к инструментам с низкой ликвидностью. Их рынки преимущественно закрыты, о них мало информации, они имеют ручное регулирование. Поэтому по ним широкий спред, относительно небольшие торговые объемы — рынок неглубокий. Стакан в биржевой торговле – отличный торговый инструмент для оперативного отслеживания заявок и цен других участников рынка. Открывать фиктивные крупные ордера, которые в дальнейшем будут аннулированы. Например, можно предположить, что сейчас стакан цен условно уравновешен.

    Крупные заявки

    Работа с биржевым стаканом имеет свои плюсы и минусы, которые важно учитывать при торговле на фондовом рынке. Важно помнить, что импульс не всегда является надежным индикатором. Рынок может быть подвержен манипуляциям, и крупные игроки могут создавать ложные сигналы, чтобы запутать менее опытных трейдеров. Поэтому, анализируя импульс, стоит учитывать и другие факторы, такие как объем торгов, новости и общие рыночные тренды. Эти факты подчеркивают важность понимания биржевого стакана для успешной торговли на финансовых рынках. Прежде всего, инструмент полезен для оценки настроений трейдеров в текущих реалиях.

    Биржевой стакан и его анализ

    • То есть со временем их влияние на котировки будет минимизироваться.
    • Если на рынок резко пошли крупные агрессивные заявки, цена на актив должна симметрично отреагировать.
    • Поэтому, даже если закроется сразу несколько заявок, резкого скачка цен не произойдет.
    • В данном случае, я имею ввиду галимый нелеквид с оборотом от 1 миллиона до 10.

    Импульс также можно оценивать по скорости, с которой исполняются ордера. Если заявки на покупку исполняются быстро и в больших объемах, это может свидетельствовать о сильном восходящем импульсе. Напротив, медленное исполнение или резкое увеличение числа ордеров на продажу может указывать на ослабление импульса или его разворот. Одним из ключевых преимуществ использования пассивных заявок является возможность контроля над ценой исполнения.

    Предоставление информации о ликвидности, это возможность максимально быстро продать актив по цене максимально близкой к рыночной. Чтобы оценить ликвидность актива, инструмента, мы смотрим на количество заявок и их плотность. Плотность заявки означает на каждом ли шаге цены выставлено хоть какое-то количество заявок. В рассматриваемом примере — если бы у нас был рынок ликвидный, заявки стояли на уровне 284,70/284,71 /284,72 и т.д.

    Если выставленная цена равна или выше чем предложение, сделка закроется автоматически. Кроме того, работа с биржевым стаканом позволяет трейдерам выявлять тренды и паттерны, которые могут помочь в прогнозировании будущих движений цен. Анализируя поведение других участников рынка, можно находить потенциальные точки входа и выхода. Таким образом, понимание импульса и его влияние на рынок позволяет трейдерам более эффективно реагировать на изменения и принимать более обоснованные решения в процессе торговли.

  • Comment contacter la CPAM depuis la France ou l’étranger How to call the French Health Insurance Advice Lines? Résolue

  • The #1 AI Video Repurposing Platform

    So, mastering the art of TikTok video editing is essential to making an impact, but it doesn’t happen overnight. Try out these 10 expert tips we’ve covered above and take note of what works best for you. It can be hard to predict “virality.” However, using best practices like these, tapping into the current trends, and letting your unique perspective shine is a good step in the right direction. Above all, becoming consistent in your editing practice and uploading regularly will help your channel, content, and business soar. Munch is designed to optimize content specifically for platforms like TikTok and Instagram.

    Repurpose your videos into viral posts with Munch‍

    With Munch, you can quickly create trend-ready, engaging clips that perform well on these fast-paced social media platforms. Munch efficiently extracts engaging clips from your long-form videos, enabling you to seamlessly repurpose these segments across different platforms. This simplifies the process of reaching a broader audience munch crypto price and extending the life of your content. Our AI-based platform revolutionizes content creation for creators by extracting the most engaging moments from long-form content and transforming them into tailor-made, shareable clips for each social media platform. Seamlessly repurpose engaging clips across various social media platforms, amplifying your reach and driving higher audience engagement with Munch’s AI video editor.

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    • This simplifies the process of reaching a broader audience and extending the life of your content.
    • Get the most our of your generated clips, and unlock editing capabilities that will save you time, hassle and money.
    • Get dozens of social media clips are generated from one long-form video, making it easier to share content fast and often.

    As a business owner, you’re looking for ways to repurpose your long-form videos into social clips that get views, drive awareness, and grow your business. So, it’s important that your videos make sense, are easy to find online, and take advantage of trending topics. These two features help you automate clips that not only make sense but capitalize on what people are talking about. That’s why videos created with Munch are more likely to get views and go viral than videos created with Opus Clip. So, if you’re looking for the #1 alternative to Opus Clip, Munch should do the trick. Munch quickly identifies, extracts, and repurposes content from videos, saving you time and money.

    Munch’s AI extracts the specific clips that will perform at their peak on your destination platform, and will factor everything from expressions, tone of voice, to objects and brands. Your video is analyzed for topics, theme and context, and our AI will generate specific social posts for TikTok, Instagram, Twitter, LinkedIn, and YouTube Shorts. There are many video editing software alternatives to Opus Clip, but the #1 alternative (in my opinion) is Munch. In this article, I’ll review the different features Opus Clip and Munch offer, which value-added features Munch offers, and five other alternatives to help you find the right solution for your video editing needs.

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    Achieve maximum precision by adjusting the cropped frame to fit the content ideally.

    Munch is a powerful pro clipping tool that can speed up your workflow, and help you stay consistent across platforms, without having to spend a lot more time. This isn’t just randomly chopped up 30 second clips – Munch uses advanced AI algorithms to detect the most engaging stand-alone clips from a longer format video. Under the hood, Munch powers the most advanced AI capabilities – GPT, OCR, and NLP – to analyze your clip’s content with social and marketing trends from the leading platforms. Munch extracts the most engaging, contextual nuggets from your long-form content and present you with coherent, shareable clips. Find the sweet spot between optimizing for TikTok short format without compromising on storytelling.

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    Munch helps you serve your local followers with the best content by seamlessly supporting over 10 languages, from Spanish and German to Hindi and Japanese. Your content will be adjusted to best fit the aspect ratio of where you’re going to publish it. Making sure the action, object or speaker are always at the center of the frame.

    By optimizing your content for various platforms and maximizing its reach, Munch helps you attract a larger audience and increase engagement. Munch also streamlines the content repurposing and video editing process, which allows you to create engaging content more efficiently. This saves time, allows you to focus on producing high-quality content, helps with business growth, and creates better opportunities for content creators. Thanks to TikTok’s intuitive editing tools, anyone can effortlessly transform ordinary iPhone footage into mesmerizing content. In today’s dynamic social media landscape, TikTok stands out as a premier platform for content creators and business owners, offering unparalleled opportunities to connect with a global audience.

    Yes, Munch caters to the needs of content creators across various niches and industries. Whether you’re a vlogger, a marketer, an influencer, or any other type of content creator, Munch can revolutionize your content creation process. Munch takes your hard-earned content, extracts gold nuggets, and tells you on how, where, and when to post it. With just one long video, you can generate and edit dozens of clips with subtitles and social captions included, and when you’re ready, upload them directly to your profile.

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    • Munch helps you serve your local followers with the best content by seamlessly supporting over 10 languages, from Spanish and German to Hindi and Japanese.
    • Achieve maximum precision by adjusting the cropped frame to fit the content ideally.
    • Making sure the action, object or speaker are always at the center of the frame.
    • So, if you’re looking for the #1 alternative to Opus Clip, Munch should do the trick.

    Try out an AI editing tool like Munch to automatically edit your long-form videos into high-value quick clips that pack a punch. Engaging clips that are specifically made for the target platform will amplify a creator’s engagement and prominence across various platforms. Get the most our of your generated clips, and unlock editing capabilities that will save you time, hassle and money. Munch helps you serve your local followers with the best content by seamlessly supporting over 15 languages, from Spanish and German to Hindi and Japanese.

    However, creating impactful content that resonates on the platform requires more than just filming and posting. Whether you’re a seasoned creator or new to TikTok, mastering video editing is essential for building a loyal audience and leaving a lasting impact. In this guide, we’ll delve into 10 essential editing best practices aimed at maximizing engagement with your TikTok videos. Munch is an AI video editor built for content creators to enhance their content creation process.

    Munch’s cutting-edge AI will pick the parts of your video, and present you with the clips that has the highest potential to go viral. Clips come with built in subtitles which can be adjusted, edited and corrected. When it comes to comparing Opus Clip vs. Munch, Munch excels in a few important areas, mainly clip coherence, keyword analytics, title editing, and clip extending or trimming. Munch’s uses a multi-modal engine to analyze both sound and picture of what’s actually going on in the video, take in vocal cues, find key scenes and even detect tone and sentiment. Experiment with effects sparingly to enhance your video’s visual appeal without overwhelming the viewer. Visual effects are grouped into categories like portrait, landscape, food, and vibe.

  • CD Projekt SA CDPROJEKT Notowania GPW Giełda 1

    Wyniki raportowane obciążone zostały jednorazowymi odpisami. Grupa zanotowała najwyższe przychody w historii. To dziś druga po CD Projekcie najmocniej handlowana spółka na giełdzie w Warszawie. Akcje Żabki mają świetny początek roku, zaliczając 9 wzrostową z 11 wszystkich sesji w tym roku i zyskując już od początku roku ponad 21 proc. Indeks WIG20 jest obliczany od 16 kwietnia 1994 roku, na podstawie wartości portfela akcji 20 największych i najbardziej płynnych spółek z Głównego Rynku GPW. WIG20 jest indeksem typu cenowego, co oznacza, że przy jego obliczaniu bierze się pod uwagę jedynie ceny zawartych w nim transakcji, a nie uwzględnia się dochodów z tytułu dywidend.

    Na wtorkowej sesji mocno spadała Żabka, o ponad 5 proc. Obecnie jej papiery kosztują 20,6 zł, co oznacza, że są tańsze niż podczas oferty publicznej (21,5 zł). Jak poinformował podczas konferencji CFO Piotr Nielubowicz, CD Projekt nie planuje premiery Wiedźmina 4 do końca 2026 roku. Z kolei Joint CEO spółki Michał Nowakowski wskazał, że w najbliższych tygodniach projekt Orion, kontynuacja Cyberpunka, wejdzie w fazę reprodukcji. Słabość rynku odbija się również na notowaniach CD Projektu. Wczorajsza sesja nie przyniosła poprawy, a techniczna sytuacja zaczyna wyglądać coraz mniej optymistycznie.

    Zmiany cen na tle rynku

    Niemal nie zmienia się kurs akcji Diagnostyki, która znajduje się wśród spółek grupowanych w sWIG80. Analitycy Jefferies rozpoczęli wydawanie rekomendacji dla Diagnostyki od zalecenia “kupuj” z ceną docelową 159 zł, co implikuje 18 proc. Wśród spółek notowanych w mWIG40 pozytywnie wyróżnia się Wirtualna Polska. Spółka już we wtorek wzrosła o ponad 7 proc., a obecnie jej kurs idzie w górę o prawie 3 proc. Dzięki temu, branżowy indeks WIG Media jest w środę jedynym rosnącym wskaźnikiem Wandisco pogłębia partnerstwo z Oracle sektorowym.

    Akcje CD Projektu zyskują przez… ofertę pracy? Motoryzacja odjeżdża niezdecydowanym indeksom GPW

    W horyzoncie średnioterminowym na głównych indeksachGPW obowiązuje trend spadkowy. Sprzyjające nastroje na światowych giełdach poniosły w górętakże warszawski parkiet, na którym negatywnie wyróżniły się walory CDProjektu. Mimo wszystko taki wynik piątkowej sesji niewiele zmienia w raczejnieciekawym obrazie polskiego rynku. Bezpośredni konkurent spółki, czyli niemiecka sieć dyskontów odzieżowych KiK przeżywa poważne problemy. Jak poinformował w czwartek “Super Express”, rywal Pepco planuje zamknąć 400 sklepów na rodzimym rynku i właśnie dokonuje przeglądu, żeby wytypować placówki, które pójdą do likwidacji.

    Oczekiwanie Cyberpunka multiplayer – największe wzrosty na WIG20

    • Do 216,20 zł i są najdroższe do marca 2021 roku.
    • 72% sprzedaży realizowanej było do odbiorców w Ameryce Północnej, a 18% do odbiorców z Europy.
    • Kluczowe będzie zachowanie przy dolnym ograniczeniu kanału – tam może pojawić się szansa na odbicie.

    Kurs pierwszej z tych spółek nie zmienia się, a Tauron zyskuje 0,7 proc. Stoi za tym przede wszystkim niemal 1-proc. Kurs akcji CD Projektu rośnie o 6,6 proc., do 236,2 zł, przy spadku WIG20 o 0,8 proc. Spółka zaprezentowała demo technologiczne Wiedźmina 4 podczas wydarzenia State of Unreal. W zupełnie innym nastroju kończyła wczorajszą sesję spółka CD Projekt. Akcje producenta „Cyberpunka” i „Wiedźmina” kontynuują korektę i znajdują się pod rosnącą presją podaży.

    Akcje CCCCCC S.A. 183.892210.74 %Dywidendy1 dzień-0.14 %1 tydzień-1.13 %1 miesiąc7.13 %6 miesięcy-4.32 % -3,61%

    Aktualny kurs indeksu wynosi 3923,16 złotych (godzina 14), przy kursie otwarcia wynoszącym 2839,23 PLN. Podczas dzisiejszej sesji kurs spada o 0,3%, czyli około 8,5 PLN. Pepco wczoraj umocniło swoją pozycję, osiągając najwyższy poziom notowań od prawie dziewięciu miesięcy, co świadczy o pozytywnej reakcji inwestorów na ostatnie decyzje strategiczne spółki. Opuszczenie nierentownego rynku brytyjskiego oraz plany sprzedaży sieci Poundland budują nową narrację rynkową. 6,71% stracił po wynikach Pekabeks, który zakończył drugi kwartał z wynikami poniżej oczekiwań rynku (3,1 mln zł zysku operacyjnego i 0,4 mln zł zysku netto jednostki dominującej). O 3,42% urosły z kolei notowania Inter Cars.

    • Grupa zanotowała najwyższe przychody w historii.
    • Kurs akcji spadł już o prawie 15% od czerwcowego szczytu, testując dolne ograniczenie trendu wzrostowego rozpoczętego w listopadzie 2024 roku.
    • Jeśli obecne wsparcie nie wytrzyma, a przecenie towarzyszyć będzie wzrost wolumenu, kurs może kierować się w stronę 220 zł.
    • WIG Gry systematycznie rósł od początku tego roku do końca czerwca, w międzyczasie notując wyraźne spadki i zwyżki.

    Wszyscy dobrze pamiętamy, co działo się w drugiej połowie 2024 roku, gdy po znakomitym początku roku WIG20 zaliczył długą i bolesną korektą. Albo co się działo po maju 2015, gdy wybory prezydencie wygrał Andrzej Duda. Z technicznego punktu widzenia, dopóki kurs znajduje się poniżej 11,30 zł, każde odbicie należy traktować jako korekcyjne. Kluczowym wsparciem pozostaje strefa 9,90–10,00 zł – jej ewentualne przełamanie otworzyłoby drogę do głębszej przeceny. Tymczasem DM BOŚ nadal utrzymuje majową wycenę na poziomie 12,50 zł, co może działać jako psychologiczny cel przy ewentualnym silniejszym ruchu w górę. Główne indeksy na Giełdzie Papierów Wartościowych w Warszawie kontynuują poranne spadki.

    W 2024 roku 97% przychodów ze sprzedaży Grupy pochodziło z działalności eksportowej. 72% sprzedaży realizowanej było do odbiorców w Ameryce Północnej, a 18% do odbiorców z Europy. O ile Amerykanie cieszą się z nich rekordów, to na GPW niedługominie pięć miesięcy bez nowych szczytów hossy. Od lipca główne polskie indeksyidą w bok z lekką tendencją zniżkową. Piątkowa sesja w żadnym wypadku tegostanu rzeczy nie zmienia.

    WIG-gry bez CD Projektu w tarapatach

    Zniżkuje Polenergia, notowana w indeksie mWIG40. Spółka podała, że jej wynik EBITDA w 2024 roku wyniósł 642,1 mln zł i był wyższy rdr o 94,5 mln zł. Wynik jest zgodny z wcześniejszymi szacunkami.

    W środę szczególnie wyróżnia się CD Projekt. Spółka jest najsłabsza na szerokim rynku, notuje także największe obroty, które wynoszą mln 139,2 mln zł. Obroty na akcjach Większość prawdopodobnych wyborców aprobuje pracę prezydenta Trumpa wszystkich spółek notowanych w WIG20 wynoszą 465,5 mln zł, a w przypadku WIG jest to 553,3 mln zł. Opublikowana wczoraj nowa strategia Kruka nie przebiła się do świadomości inwestorów. Po porannych wzrostach notowania spółki cofnęły się w rejon poziomów z czwartkowego zamknięcia i kosztują 431 zł (-0,05 proc.). Korekta na Dino Polska kontynuuje się, a wczorajsza sesja tylko ją pogłębiła, mimo krótkiego odbicia w połowie sierpnia.

    Po czterech spadkowych sesjach z rzędu indeksowi WIG20 zajrzała w oczy groźba wyrysowania prospadkowej formacji głowy z ramionami. Chiny atakuje 2 obywateli USA który prowadził program Dzięki środowym wzrostom ryzyko to zostało zredukowane. Wczorajsza sesja przyniosła lekkie odbicie na akcjach PGE – kurs wzrósł o 1,2% i wrócił powyżej 10,60 zł. Ruch odbywał się jednak przy niskich obrotach i trudno go uznać za zmianę sentymentu. Spółka nadal odczuwa skutki fatalnych wyników za II kwartał, a inwestorzy podchodzą ostrożnie do prób odbicia. Makler papierów wartościowych oraz broker ubezpieczeniowy.