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Welcome to The Dave Ramsey Show like you’ve never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we’ll unveil every day.

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The 3 best personal loan companies I found online!
LightStream Loans (My #1 Pick): http://bit.ly/lightsteam_loans
(I may be compensated by LightStream through this link.)

Watch My Newest Best Personal Loans Video:

The best personal loans I found were American Express personal loans, SoFi and LightStream Loans. I’ll cover them each in-depth. Enjoy.

Each of these personal loan companies have pros and cons, so I’ll cover each of them and I’ll let you know how I feel about their loan options. It was very hard to find low interest personal loans online, because there are so many to choose from. But these lenders don’t charge any dirty origination fees or pre-payment penalties and they have instant approval, which is sometimes hard to find.

Personal loans can be very expensive, so watch this video and hopefully you’ll learn something new. And keep in mind that you’ve gotta have good credit to be approved for these loans. Bad credit won’t work with these lenders. So if you’re looking for a personal loan for debt consolidation or medical bills, then you’re making the right choice.

Overall I felt like American Express is the best personal loan for smaller loans with shorter lengths (like 12-36 months). They have great rates and terms, but you’ve gotta be a cardmember to qualify.

SoFi is incredible because of all their perks and transparency, but when it came down to their actual rates, they were a little higher than the competitors.

My top pick goes to LightStream Loans Because overall they have the most lending options and the best rates for larger unsecured loans. and they have au

Just remember that personal loans aren’t always the best option for loans, but if you need one, then I’d look into these three choices. Thanks

American Express Personal Loans: http://bit.ly/amex_hf
SoFi: Asked that the link be removed 🙁

—————–

Honest Finance covers a broad range of financial topics that’ll give your life and finances more value. Consider subscribing to Honest Finance for more related videos:
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I’ll give you the honest truth about a variety of financial and life improvement topics in a way that actually makes sense. I’m not a financial adviser, so take my advice for entertainment purposes only and seek professional help when needed. I simply want to share my financial advice with anyone who will listen.

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Belle Delphine is a pink-wigged 19-year-old cosplayer, gamer, and social media star who made headlines by selling her used bathwater to her fans online. Who is she, really? Did this so-called “gamer girl bathwater” really make people sick? What does this all mean?! This is the untold truth of Belle Delphine.

Selling “gamer girl bathwater” to “thirsty gamer boys” on the internet is bizarre, but Delphine didn’t hatch the plan entirely on her own. She was inspired by her followers. In an interview with Newsweek, the Instagram star, called perhaps “The Greatest Troll on the Internet” by Rolling Stone, admitted she came up with the idea after her fans kept commenting on her photos, claiming they wanted to drink her bath water. Delphine said,

“I wondered if I actually were to take the joke seriously and sell my bathwater if there would be people out there that would buy it. I sold around 500 units, far more than I expected, and I had to rebuy containers as I didn’t have enough! And I was very surprised at the huge response I got, I didn’t think my bathwater would get this much attention.”

At a pop, the self-proclaimed “weird elf kitty girl” made around ,000. Some YouTubers who supposedly purchased the bathwater drank it on camera — one guy claims he even made make mac and cheese and instant ramen with it.

Delphine’s stunt went viral in more ways than one. Shortly after it made headlines, dirty rumors surfaced claiming the bath water gave more than 50 people herpes. According to Snopes, the whole STD story turned out to be a hoax launched by a fake Daily Mail Twitter account. Delphine herself also personally refuted the herpes claims on Instagram…

Watch the video for The Untold Truth Of Belle Delphine!

#BelleDelphine #Cosplayer #GamerGirlBathwater

The bathwater business | 0:22
Who is she? | 1:43
Following the influencer formula | 3:10
What does this all mean? | 4:07
What’s it all worth? | 4:49

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New agent Chrishell joins The Oppenheim Group and realizes she must prove herself. The brokers square off to sell a spectacular Hollywood Hills home.

See what else is new on Netflix: https://www.whats-on-netflix.com/whats-new/
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XMmas loans 4 U Reviews

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You’ll learn about Startup Valuation in this lesson, and see how a traditional methodology such as the Discounted Cash Flow (DCF) analysis applies to early-stage tech startups with no revenue.

http://breakingintowallstreet.com/

“Financial Modeling Training And Career Resources For Aspiring Investment Bankers”

Table of Contents:

2:59 A DCF Analysis for Piped Piper

9:01 What’s Required for a Startup DCF/Valuation to Work

12:35 Recap and Summary

How Are Startups Worth Billions of Dollars?

“I don’t understand how tech startups can be worth billions of dollars – many of them aren’t even making money yet!”

“How can an unprofitable company that isn’t even generating revenue possibly be worth so much? Doesn’t this violate all the principles of valuation?”

We get questions like the ones above all the time. The short answer is NO, startup valuation doesn’t violate all the principles.

You can still use standard methodologies such as the DCF, but you have to use radically different assumptions that make the analysis less grounded in reality.

For the numbers to work, the startup has to start making A LOT of money very quickly in the NEAR FUTURE.

If it takes 10-15 years to generate revenue, it will be almost impossible for the numbers to work; but if it happens in the next 2-3 years, it might be plausible.

As an example, we look at Pied Piper in this lesson, the fictional company from the HBO show “Silicon Valley.”

They make money with a file compression and storage app, and they’re aiming to get hundreds of millions of users and then get a tiny percentage of them using their paid services.

So if they currently generate no revenue and have just received 0 million in funding at a billion valuation, is that crazy?

A DCF for Pied Piper

We assume massive app download growth in the early years, with the company reaching ~500 million annual downloads and ~150 million paid users by the end of Year 10. Revenue goes from 0 to nearly billion over that time frame.

The company goes from negative Operating Income to nearly 0 million (25% margin) and almost 0 million in Free Cash Flow.

We use a 100x EBITDA multiple to calculate the Terminal Value (arguably fair for a billion company growing at nearly 40% per year).

These assumptions are highly speculative, and so we also have to use a much higher Discount Rate: 50%, compared with the standard 8-12% figures you see for mature companies.

As a result of all this, far more value comes from the Present Value of the Terminal Value: 99% here, vs. 50-70% for normal companies (and ideally less than that!).

The whole valuation is dependent on a huge number of assumptions that are impossible to know in advance: Will billions of people download the app? Will ~5% of users convert to paying customers? Will the company be able to monetize in only 2-3 years’ time?

These assumptions might turn out to be true, but there’s a very high chance they might not be – which explains the 50% Discount Rate.

Startup Valuation Myths

So the DCF does “work” for startups; it’s just not that useful because of all the required assumptions and the inability to guesstimate the numbers for a pre-revenue company.

For a valuation to make sense, the company has to start generating money *very quickly* – if it takes ten years for that to happen, the numbers will be even harder to justify.

And since the majority of the implied value comes from the Terminal Value, the Terminal Multiple and Terminal Growth Rate are incredibly important. They matter more than long-term profit margins because almost no value comes from the Present Value of Free Cash Flows.

RESOURCES:

https://youtube-breakingintowallstreet-com.s3.amazonaws.com/107-17-How-Are-Startups-Worth-Billions-Slides.pdf

https://youtube-breakingintowallstreet-com.s3.amazonaws.com/107-17-How-Are-Startups-Worth-Billions.xlsx

Subscribe by email to be alerted of new tapes: http://eepurl.com/cfiLt5
See all previous tapes on: http://tapes.scalevp.com

So what actually happens before a VC decides to invest in your company? Susan Liu looks at hundreds of startups every year for B2B software investor Scale Venture Partners. She explains the top 5 metrics they look at, and how a company can prepare to pass the investor diligence with flying colors.

Guest: Susan Liu
Scale Venture Partners
https://www.scalevp.com/
Tweets by susanwliu

Host: Tim Anglade
Executive in Residence at Scale Venture Partners
https://timanglade.com/
https://twitter.com/timanglade

The Startup Tapes chronicle the highs & lows of building a startup, through candid interviews with founders, operators & advisors. Tim Anglade, an Executive-in-Residence at Scale Venture Partners and formerly with Realm, Apigee, and Cloudant leads the project with the goal to de-mystify the process through which startups emerge, grow & succeed. His unfiltered interviews transcribe the conversations we often hear in the boardroom, amongst our portfolio community and with entrepreneurs and partners we engage with every day.

Learn more about Scale Venture Partners at http://www.scalevp.com.

For guests suggestions, feedback or questions, email tim@scalevp.com
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Selling Concept of Marketing

I Apologize for low quality sound due to unavailability of good microphone, hope I get one before my next video.

Thanks for Watching!

Kindly LIKE and SUBSCRIBE my channel Asli Guruji.

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Crossroads Inn Full Series Playlist ► https://bit.ly/2JpXoZW

Crossroads Inn is a real-time management simulation with role-playing games elements. The game consists of two unique modes offering totally different experiences.

Skye’s Official Game Store ► https://skyestorme.chrono.gg

Support Skye on Patreon ► https://www.patreon.com/skyestorme
Skye on Twitter ► https://twitter.com/xSkyestormex

Skyes PC Spec
————————
CPU: Intel i9-9900k @5.0 GHz
RAM: 64GB
GPU: Gigabyte Aorus GeForce RTX 2080 Ti Xtreme Waterforce 11G

End Titles Music:
Tobu – Candyland – https://bit.ly/1A9dGxv
Tobu SoundCloud – https://soundcloud.com/7obuCrossroads Inn Full Series Playlist – https://bit.ly/2JpXoZW

Crossroads Inn is a real-time management simulation with role-playing games elements. The game consists of two unique modes offering totally different experiences.

Support Skye on Patreon ► https://www.patreon.com/skyestorme
Skye on Twitter ► https://twitter.com/xSkyestormex

Skyes PC Spec
————————
CPU: Intel i9-9900k @5.0 GHz
RAM: 64GB
GPU: Gigabyte Aorus GeForce RTX 2080 Ti Xtreme Waterforce 11G

End Titles Music:
Tobu – Candyland – https://bit.ly/1A9dGxv
Tobu SoundCloud – https://soundcloud.com/7obuCrossroads Inn Full Series Playlist ► https://bit.ly/2JpXoZW

Crossroads Inn is a real-time management simulation with role-playing games elements. The game consists of two unique modes offering totally different experiences.

Skye’s Official Game Store ► https://skyestorme.chrono.gg

Support Skye on Patreon ► https://www.patreon.com/skyestorme
Skye on Twitter ► https://twitter.com/xSkyestormex

Skyes PC Spec
————————
CPU: Intel i9-9900k @5.0 GHz
RAM: 64GB
GPU: Gigabyte Aorus GeForce RTX 2080 Ti Xtreme Waterforce 11G

End Titles Music:
Tobu – Candyland – https://bit.ly/1A9dGxv
Tobu SoundCloud – https://soundcloud.com/7obuCrossroads Inn Full Series Playlist – https://bit.ly/2JpXoZW

Crossroads Inn is a real-time management simulation with role-playing games elements. The game consists of two unique modes offering totally different experiences.

Support Skye on Patreon ► https://www.patreon.com/skyestorme
Skye on Twitter ► https://twitter.com/xSkyestormex

Skyes PC Spec
————————
CPU: Intel i9-9900k @5.0 GHz
RAM: 64GB
GPU: Gigabyte Aorus GeForce RTX 2080 Ti Xtreme Waterforce 11G

End Titles Music:
Tobu – Candyland – https://bit.ly/1A9dGxv
Tobu SoundCloud – https://soundcloud.com/7obu
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Learn How You Can Create Your Own Residual Income
Without having to take out personal loans, use my training
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Personal Loans: a loan that is obtaining an amount of money from a financial organization for individual use. People might utilize the money for almost anything; some instances are a trip, a vehicle, home renovations or costs consolidation. The borrower will make regular monthly settlements to the economic institution repaying the amount obtained plus interest. Individual loans offer people the economic ability to make investments without saving the funds initially.

This was the definition of personal loan
The only thing that’s wrong with it is that after you loan this money and spend on the stuff mention above, you will still need more money to spend again
If this money doesn’t make you any money you will always be in Need ..

-Who Benefits the Most From A Personal Loan
When you Take a personal loan it benefits you in the beginning as you get the money that you need to pay for whatever that you need at the moment
But really in the long term, the only person it benefits is the Bank.
They get to get the same money that they borrow you but twice as much and sometimes 3 to 4 times as much, as the years goes by and you get more in debt…

Personal Loans For Students
It’s a cycle that is played by many…
I remember when I went to College, I went to this expensive school
Even after all the financial aid and the loans that I took to pay my tuition
The Financial adviser would still encourage me to get more personal loans
To spend money on books, computer and so on..
I’m sure if you went to college you can relate to that…
But later on when it’s time to pay for them, the load doesn’t feel as easy like it was when getting those student loan

Personal Loans- BIG MISTAKE TO AVOID:
If you are not going to use the money to make you more money in order to pay it off, I would definitely discourage anyone into getting a personal loan, as it put you more in debt, and after you borrow it, you will always need more MONEY …

The main key is Figure out how I can Make money to give my ownself a loan, or to be the one giving out loans to people and make them pay me as the Year goes by…
Learn how to build RESIDUAL INCOME which is what the banks owner study the ability to do that…

If you want to learn how to Grow RESIDUAL INCOME daily like I do
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Please watch My Newest Video: “Driving a Lamborghini | Celebrity X Factor”
Details on my NEW Course
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Donating plasma is like donating blood, except that when plasma is taken out of the blood the red blood cells are returned to the body. Make an appointment at a local blood center to see if you’re a good candidate to donate plasma with help from a licensed RN in this free video on donating plasma.

Expert: Kayti Brosnan
Bio: Kayti Brosnan has been a licensed RN in the state of Texas since 2003.
Filmmaker: Todd Green
Video Rating: / 5

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This video includes Hasan’s testimony, as well as questions Hasan answered during the hearing.

to watch the full hearing: https://youtu.be/9IKaKKZWp8E

follow on twitter: https://twitter.com/masanshinhaj
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