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Comparing LiveWorld (OTCMKTS:LVWD) & WNS (OTCMKTS:WNS)

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LiveWorld (OTCMKTS:LVWD) and WNS (NYSE:WNS) are both computer and technology companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, valuation, earnings, profitability, analyst recommendations, dividends and institutional ownership.

Risk and Volatility

LiveWorld has a beta of 2.53, indicating that its share price is 153% more volatile than the S&P 500. Comparatively, WNS has a beta of 1.15, indicating that its share price is 15% more volatile than the S&P 500.

Valuation & Earnings

This table compares LiveWorld and WNS’s revenue, earnings per share (EPS) and valuation.

Gross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
LiveWorld$7.71 million0.07-$640,000.00N/AN/A
WNS$809.10 million3.90$105.43 million$2.2528.20

WNS has higher revenue and earnings than LiveWorld.

Insider and Institutional Ownership

94.7% of WNS shares are held by institutional investors. 16.3% of LiveWorld shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares LiveWorld and WNS’s net margins, return on equity and return on assets.

Net MarginsReturn on EquityReturn on Assets
LiveWorld-5.60%-49.76%-23.89%
WNS13.47%23.57%14.61%

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for LiveWorld and WNS, as reported by MarketBeat.com.

Sell RatingsHold RatingsBuy RatingsStrong Buy RatingsRating Score
LiveWorld0000N/A
WNS01813.00

WNS has a consensus target price of $69.80, indicating a potential upside of 10.01%. Given WNS’s higher possible upside, analysts clearly believe WNS is more favorable than LiveWorld.

Summary

WNS beats LiveWorld on 10 of the 12 factors compared between the two stocks.

LiveWorld Company Profile

LiveWorld, Inc. provides social media solutions for global brands. The company is involved in developing strategy, creating and publishing content, engaging customers, moderating content, managing crises, and gleaning insight from social media. It offers engagement services, including social architecture, audit, and competitive analysis; content programming plans and authoring; day-to-day online engagement and community management; social media crisis management; highlights and custom reporting; and strategy consulting services. The company also provides content moderation services, such as moderation plans and guidelines, moderator selection and training, hourly content moderation, moderation management, moderation program model, and highlights and custom reporting. In addition, it offers insight services comprising setup, customization, training, and support; management, tagging, and analysis; and listening and monitoring of the social Web. Further, it provides listening services that include brand monitoring, social Web listening, market research listening programs, customizable listening track offerings, human management and analysis, and real-time monitoring or 30-day rear-view listening reports. Additionally, the company offers LiveEngage, a social content marketing suite that enables brand managers or customer support agents to directly respond to escalated content; LiveMod, a content moderation software enables human moderators to accept, reject, and escalate content in context; and LiveInsight software, an analytics and insights solution designed to engage and scale human review and analysis. It serves various industries, including retail, consumer packaged goods, pharmaceutical, financial and travel services, healthcare, automotive, technology, and media and entertainment. The company was formerly known as Talk City, Inc. and changed its name to Liveworld, Inc. in May 2001. Liveworld, Inc. was founded in 1996 and is headquartered in San Jose, California.

WNS Company Profile

WNS (Holdings) Limited, a business process management company, together with its subsidiaries, provides data, voice, analytical, and business transformation services worldwide. It operates through two segments, WNS Global BPM and WNS Auto Claims BPM. The company offers industry-specific services to clients primarily in insurance; travel and leisure; diversified businesses, including manufacturing, retail, consumer packaged goods, media and entertainment, and telecommunication; utilities; consulting and professional services; healthcare; banking and financial services; and shipping and logistics industries. It also provides shared services, such as customer interaction, finance and accounting, research and analytics, technology, legal, and human resources outsourcing services. In addition, the company offers transformation services designed to help its clients to modify their business processes to enhance productivity, as well as manage changes in the business environment and leverage business knowledge to increase market competitiveness. Further, it provides claims handling and repair management services for automobile repairs through a network of third party repair centers; and a suite of accident management services, such as credit hire and credit repair. WNS (Holdings) Limited was founded in 1996 and is based in Mumbai, India.



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Dustin Aab on the importance of achieving financial freedom in life | Personal Finance News

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The more closely we look around us, the more we get nearer to reality where so many individuals work with a certain grit, commitment and dedication to achieve what their hearts desire. These individuals are the ones that not only work to attain their set goals in their career but also help others in their journeys. Talking about the sales and consulting business, which is growing each passing day across nations as professionals from various industries aim to get nearer their visions and aspirations in business, we can notice the boom in this niche; thanks to professional entrepreneurs like Dustin Aab.

Based out of California, Dustin Aab is a leading American entrepreneur, who excels in sales and consulting and has been shaping the careers of hundreds of people through his astute skills and knowledge as a true professional in the industry. It was seven years ago that Dustin Aab had started his career in the sales arena and from the past six years owns his sales company, under which he is working with the mission to turn the desires and dreams of professionals into reality through his mentorship and coaching in sales.

Dustin Aab’s sales and consulting business is all about providing the best of the industry products and services that help individuals change their financial status and situation. His life has been full of challenges, but Dustin Aab very early had realized the power of working hard and putting in every possible effort to make a successful career; hence, after working so hard for years, he has been able to create the financial freedom he wanted by becoming an entrepreneur. He hopes to change as many lives as he can in his career and take people nearer to their definition of success. He does sales mentorship and consulting for not just individuals, but companies as well.

Some of the specific services he offers through his company include Real estate, amazon automation, sales training mentorship, credit repair, Instagram growth and branding, life insurance and solar.

(Disclaimer: This is a Brand Desk content)

 

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Home Depot, Inc. (The) (NYSE:HD), J P Morgan Chase & Co (NYSE:JPM) – Key Markets To Watch As The Mortgage Boom Continues To Fade

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The last year has seen the most eye-popping spike in value in history. 

While the Covid 19 pandemic initially shut down economies across the globe, the Work from Home movement caused a mass exodus away from metropolitan areas where many large companies are headquartered.  Homebuyers have been laying siege on the housing market to the point where houses in the most desirable locations are selling for more than 50% above the asking price in some cases.

This current trend is all thanks to the Fed lowering interest rates last year in response to the pandemic to help bolster the economy. 

Lowering the interest rate allows banks to charge less interest on consumer mortgages.  When mortgages are cheaper, it may entice would-be home buyers to jump on opportunities, but it also gives current homeowners the ability to re-finance (re-fi) and pocket the cash to use elsewhere.  While this was the intended response, the side effects of cheap access to money led to an immense spike in demand for mortgages.

Regarding the demand for houses from new home buyers, there is a potential for the steam to run out of this drive because buyers are being priced out of opportunities. This is partly due to the massive supply and demand imbalance and partly due to raw materials for new houses such as lumber adding so much to the price of a new house, which eventually dissuades buyers away from the market.

The mortgage markets, however, are also running out of steam.  It can be inferred from the earnings call from Rocket Companies, Inc. (NYSE: RKT) that the mortgage market is experiencing a price war that, while temporary, is weighing on profits.  Mortgage companies are continually fighting to provide consumers with better rates, but this competition can only last for so long.

Whether you’re invested in the mortgage companies, real estate, or are simply an interested home buyer, here are some recommendations of markets to follow to find out if the steam does run out and a correction occurs in the housing market.

Mortgage Writers Rejoice

Mortgage companies like Rocket Companies, owner of Quicken Loans, North American Savings Bank (OTC: NASB), and Chase Bank (NYSE: JPM) saw massive profits during 2020 and early parts of 2021 as the demand for mortgages skyrocketed.  They expanded services, increased employee pay, and saw growth like they hadn’t seen since before the financial crisis in 2008. 

While banks generally learned their lesson the last time around, this time is different.  Back in 2008, the methods used by banks to get people to sign on the dotted lines were sometimes less than savory.  This led to a sharp rise in risky mortgages that eventually led to waves of defaults that the financial system wasn’t prepared to handle.

This time, the consumers have run at banks with their money and demanded mortgages.  On top of this, the mortgages being written are for individuals who meet lenders’ requirements.  According to this credit repair report, companies are more sophisticated now as well, and they are helping even more people get good rates and adding to the numbers flocking to mortgage companies.

However, the world is emerging from life during Covid, and the mortgage companies will be the ones to show the first signs of a cooling market.  It may have already started, as mentioned before during Rocket Companies, Inc.’s earnings call. 

The Luxuries of Home Improvement

Amazon will indeed rule the world if it can ever pose a threat to home improvement giants like Home Depot (NYSE: HD) and Lowe’s (NYSE: LOW). 

While both companies certainly specialize in retail home improvement supply, the bulk of their business is from commercial sales in contractor supplies.  If you’ve ever tried to go to a Home Depot or Lowe’s on a Saturday morning, you’ve seen the lines of contractor trucks pulling through the bay to pick up cords of PVC, lumber, and other materials.  These items are not easy to ship. All the better for the continued legacy of both of these companies.

The consistent profits for Home Depot and Lowe’s over the last year have largely been fueled by both the new home market and the refinance market.  New homes depend on raw materials to build, and if the market for new homes begins to cool, Home Depot and Lowe’s will be the stocks to watch.  However, the new home sales market tends to lag behind existing home sales since new homes are often built by large development companies as inventory before they are sold to home buyers.

To a much larger degree, home improvement projects have seen massive growth due to homeowners refinancing their mortgages and using the savings to build upon home values.  This may represent the bulk of the correlation between home improvement stocks and the mortgage market.  While the home improvement market is expected to rise in the coming years, a fall in revenues could point to a cooling in refinance applications.

Summing Up

The mortgage market relies on bringing customers to the table to sign papers. 

However, there are only so many willing buyers, and most of them have been drawn out over the last year for a variety of reasons including the Work from Home movement, extra savings built up due to lockdowns, and historically low interest rates. 

While business has been good, the world emerging from the current crisis may signal a cooling in the housing market, though not to the extent of the 2008 financial crisis. Keeping track of mortgage writing and home improvement companies may provide an idea of where the sentiment lies and allow investors to prepare for changing markets in the near future.

Photo Via Unsplash

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Way to Realizing Fiscal Freedom With Fix It Financial

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The overwhelming rise in employment levels has resulted in a significant alteration in lifestyle choices made by the working class. People are leaving their sustenance zone and are aiming to satisfy themselves with various services available. But to make the situation conducive, we need easy access to funds and investments which can help people realize their dream lifestyle, or even help small businesses to work on the expansion of their company. The market is filled with people who claim to provide a fruitful result, but their services are often fraudulent and inconsequential.

Also Read | Tamil Nadu Finance Minister Palanivel Thiagarajan Says Innovative Measures Needed To Correct State’s Finances

Fix it financial is a credit repair company that helps people improve their financial standing by implementing various tools. The objective remains, building credit score by removing all the unwanted negative items from the 3 major Credit bureaus by disputing negative items in public information. Unlike the traditional methods to tackle the problem, Fix it financial, present a new approach to people’s falling credibility and targets the core issues to secure them back.

An outline of the credit score of multiple selves demonstrated a startling truth about the declining credit scores of people. The circumstances are bothering as it generates an enormous discrepancy between people in terms of loan accessibility. Keeping the same in their mind, Fix it financial ensures total transparency, and authentic results. They believe customer satisfaction should be the top priority of the firm, and hence they have strived hard to maintain their quality service without charging monthly fees.

Also Read | Excelling Beyond Boundaries To Help People With Specialized Financial and Investment Advice Is Stephen Rodrigues

Fix it financial was born when the promoter themself realized their steeping credit score. In order to improve it, they tried numerous methods which proved to be worthless. One must understand the whole concept so that they can decipher the trick to maneuver their desirable credit score. After discerning the same and trying out numerous methods, they were able to successfully change their credit score.

When asked about the values which make Fix it financial, a unique platform, they said, they try hard to create an ambiance of familiarity and peace., while treating each client and employee as a member of the family. Moreover, Fix it financial expresses their concerns over the people who are reluctant to invest but desire quick results. According to them, one cannot make profits if they are unwilling to put something into the business during the initial period.

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