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Thinking About Diamonds as an Investment?

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Canada’s first diamond mine, opened in 1998, creating hundreds of jobs for Aboriginal people and northerners. Today, production is about 2.5 million carats a year, with an average price of $249 per carat, one of the world’s highest fees. Diamonds — another high-value commodity where Canada is a world leader. Canadian Diamond Traders (CDT) is a very successful company that sells loose diamonds. In this article, you will find some information about this company.

An important note about the diamonds: CDT’s diamonds are graded by Gem Scan International, the largest accredited diamond appraiser in Canada, servicing world-renown jewelers like Mappins, Tiffany’s, and Birks.

Today, the diamond has grown to become the symbol that defines important emotional events such as an engagement, birth or anniversary, or immortalizing personal achievements.

With a new vision to enter into the retail sector, CDT combined the strengths of two key facets; high-quality diamonds delivered at cut-rate prices.

Canadian Diamond Traders Inc. (CDT) has developed a flawless Diamond Trading Program two-fold in its goal. To sell beautiful diamonds at cut-rate prices and to build a formidable marketing force worldwide.

The company itself is a loose Diamond Distributor based in Toronto, Canada. To get their name and their diamonds out to the general public, they have created a Multi-Level Marketing program that can turn a one-time fee of $100 into a recurring income of $2500 PLUS 1/4 and 1/2 carat diamonds galore!

The Canadian Diamond Traders program is a promotional board game with diamond tables consisting of 4 levels and 15 positions.

  • Diamond Miner – 8 positions

 

  • Diamond Cutter – 4 positions

 

  • Diamond Polisher – 2 positions

 

  • Diamond Collector – 1 position

As you move from one marketing team to another, your referrals will seek you out whenever they re-enter as a miner. Likewise, you will follow your referral whenever you re-enter as a miner. You follow your leader for every new cycle; your referrals follow you, and their referrals follow them, making one perpetual daisy chain of sales.

Finding ways to make money is something that most people worry about. The best time to make money is always right now. Learning how to make money is a skill that can be learned just like any other skill. It’s not rocket science and is quite systematic. The advent of the Internet has made it possible for a handful to become millionaires, some to become billionaires, and a goodly amount of people to make a very decent living online.

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What needs to be done to bring more women into the investment industry? – The Globe and Mail

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Research has found that many of today’s female advisors came from within the investment industry, working in marketing, operations, and other areas.

gradyreese/iStockPhoto / Getty Images

Although the investment industry has shifted toward holistic, relationship-focused financial advice from a fiercely competitive, transaction-based, returns-focused environment, there’s one thing that hasn’t changed: the proportion of financial advisors who are women remains stubbornly low, at about one in four in Canada.

That’s not because firms haven’t been trying to attract more female advisors, say Judy Paradi and Paulette Filion, partners at StrategyMarketing.ca in Toronto, who recently co-wrote a white paper on the subject.

While they emphasize that there have been concerted efforts among financial services executives to encourage women to enter the profession, the challenge, Ms. Paradi says, is that “the branches are still predominantly run by men, who do the hiring – [and] people hire in their own image.”

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To help women gain a greater foothold in the profession, Ms. Paradi would like to see firms invest in mandatory branch-level training focused on how to support women, where to look for them, how to hire them and how to integrate them into a team.

Ms. Filion, for her part, recommends firms identify and draw attention to champions – men and women – who have succeeded in bringing more women on board.

Their research has found that many of today’s female advisors came from within the industry, working in marketing, operations, and other areas, and they suggest that future female advisors may be hiding in plain sight.

“I’d like to see a lot more effort in finding these women, internally, at firms, looking within their own borders to try and uncover who are the people who are great at building relationships with clients,” Ms. Filion says. “They could be anywhere.”

Ingrid Macintosh, vice-president, wealth, at TD Asset Management Inc. in Toronto, and executive sponsor of the firm’s Women and Wealth program, says many organizations see the business imperative behind hiring more female advisors.

“The power of the woman wallet is growing exponentially quickly in Canada, [and] we know through both vertical and horizontal wealth transfer that women are set to be the dominant ones and control Canadian wealth within the next five years or so,” she says. “That means women must take and are taking a seat at that table in the advice conversations, and we need to have our industry reflect that customer base.”

But Ms. Macintosh acknowledges that while the “tone from the top” is essential, it’s also important to ask leaders pointedly whether their slate is diverse enough every time they have a hiring decision to make and to capitalize on the internal “natural pipeline” of potential female advisors.

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In addition, she says it’s critical to offer tangible support to help teams adapt so they are better able to address women’s priorities in the workplace.

As such, one pillar of TD’s Women and Wealth program is a dedicated female advisor strategy that includes a soon-to-be-launched parental leave guide.

“Imagine a moment in which a manager hasn’t faced the conversation about what a parental leave looks like for somebody who has a book of business?” says Ms. Macintosh. “Why should a woman who is excelling in her role as an advisor have to figure it out for a big organization and tell them how to do it? [So we’ve] built that road map.”

Furthermore, she points to the importance of mentorship and of women who are already established in the business helping other women get started and succeed.

“If you are a woman and you have made it in this industry, whether it’s on the buy-side in asset management or in advice, you’ve climbed a pretty steep hill, and the ground is getting flatter, but we can still pull other women along and really help them.”

Sarah Widmeyer, director of wealth strategies at Toronto-based Richardson Wealth Ltd., adds that women considering careers as advisors need role models.

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“It’s really important that women in this business talk about our own personal journey [and] … giving voice is really important, through either employee-partner networking, formally and informally, or getting women in the field involved in head-office projects,” she says.

Ms. Widmeyer would also like to see the industry explore different compensation structures, as variable income can be a barrier to entry for women.

Overall, Mike Ankers, director, national sales, at Richardson Wealth, says that the narrative needs to change around the industry being an “investment business” … “I look at ourselves aspirationally as a professional services firm. I want to get paid for really good advice … When we change the narrative, that will attract more women to this industry.”

Mr. Ankers also points out that welcoming more women into the profession isn’t just about equity. A big part of it is about providing choices to serve clients best, and he says hiring women advisors often happens naturally when looking for the best candidates.

“Our recruiting pipeline is very well represented with women,” he says. “It’s an area of focus for us [but] it’s not because we’re going out to seek women directly. We’re seeing great relationship managers and people with great practices, and that’s leading to women.”

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Collaborative Fund Why this could be the right climate for investment – CMC Markets

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In part one of this two part series, Lily Bernicker at Collaborative Fund explores the climate investment landscape, looking at where it’s come from and where it’s going.

Climate technology has not been an obvious fit for venture capital. These businesses have rarely found a way to grow large enough, quickly enough.

That said, climate clearly satisfies the venture requirement for massive markets. And as the climate crisis is caused by and affects every part of our global economy, decarbonisation is the biggest investment opportunity for impact and value creation over the next decade.

Given this potential, the question of whether or not venture dollars can be responsibly invested into climate businesses is not if, but when?

2006 seemed like the right moment. An Inconvenient Truth just came out, oil crossed $75 per barrel, and VCs doubled their investments in clean energy in just a year. Investors then went on to put more than $25bn in the sector from 2006-2011 giving rise to the infamous clean tech boom.

But the rush was short lived, and mainstream interest in the sector quickly contracted after the financial crisis and a few high-profile shutdowns, driving early-stage investing down to just 35 deals in 2013.

PWC Analysis of Early-Stage Climate Tech Investments (2013-2019)

At Collaborative Fund, we’ve gradually ramped up deployment from our first major climate investment in Beyond Meat [BYND] in 2015. At the time, plant-based meat alternatives weren’t a radical innovation. They’d been around and geared towards vegans for years.

However, we recognised that demand for healthier substitutes and affinity for brands that align with how consumers see themselves couldn’t be satisfied with existing products, and would only grow. Beyond Meat was the first to make mass market consumers feel good about a healthy and more sustainable choice that doesn’t ask them to compromise on taste, nutrition, or value. This vision convinced us that they could become one of the biggest food companies in the United States.

Since then, we’ve been compelled to do more in the category, encouraged by trends like: increased spend on sustainable products, newly cost-competitive low-carbon technologies, and a wave of experienced founders entering the field.

These shifts have created new opportunities to invest in businesses where mitigating or adapting to climate change is a driver of performance rather than a limitation.

We’ve also been active through some of the industry’s big setbacks. Our first clean energy investment was Dandelion Energy’s seed round in 2017: the same month that the US announced its intent to leave the Paris Agreement and shortly after Solar City dodged a shutdown through their merger with Tesla [TSLA].

While the path to decarbonisation will never be a straight line, there have been irreversible advancements in technology and market pressures that make this generation of climate tech fundamentally different from the last.

As we’ve expanded our climate practice over the last five years, it’s helped us to consistently track how and to what extent the market has changed. Luckily there has been some great research on the first cleantech boom. And there is increasing consensus on why it failed to deliver the returns VCs require, namely: cheap competition, technical challenges, and lack of capital availability.

At Collaborative Fund, we use these challenges as a model to explore how the market has shifted over time.

In the short term, even climate businesses built on mature technology will continue to face financing risk. But as commercialisation timelines get shorter and venture-backed climate businesses start to break out across every industry (not just energy), we anticipate a wave of traditional funding will enter the field.

Businesses that scale by preventing or mitigating the impact of the climate crisis fit squarely within the Collaborative Fund thesis. Markets value companies that are the best at satisfying demand at scale. Markets don’t care (yet) how urgent the climate crisis is or how little time we have to deploy solutions to keep warming below 1.5°C.

Therefore, we don’t either. We’re technology and business model agnostic. We invest in deep tech, software, and everything in between. But we don’t invest in companies that require users to compromise on performance or cost in exchange for climate impact.

This article was originally published by Collaborative fund on 16 December 2020. In Part II, they share the framework that they use to evaluate climate opportunities and what they’re most excited for going forward.

Disclaimer Past performance is not a reliable indicator of future results.

CMC Markets is an execution-only service provider. The material (whether or not it states any opinions) is for general information purposes only, and does not take into account your personal circumstances or objectives. Nothing in this material is (or should be considered to be) financial, investment or other advice on which reliance should be placed. No opinion given in the material constitutes a recommendation by CMC Markets or the author that any particular investment, security, transaction or investment strategy is suitable for any specific person.

The material has not been prepared in accordance with legal requirements designed to promote the independence of investment research. Although we are not specifically prevented from dealing before providing this material, we do not seek to take advantage of the material prior to its dissemination.

CMC Markets does not endorse or offer opinion on the trading strategies used by the author. Their trading strategies do not guarantee any return and CMC Markets shall not be held responsible for any loss that you may incur, either directly or indirectly, arising from any investment based on any information contained herein.

*Tax treatment depends on individual circumstances and can change or may differ in a jurisdiction other than the UK.

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Is Twilio Still A Good Investment After Smashing Earnings? – CMC Markets

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Twilio (NYSE: TWLO) is an American cloud-based platform-as-a-service business that enables software developers to use digital communication such as calls, texts, and emails to enhance the user experience. After reporting blowout Q4 2020 earnings, and the stock sitting close to all-time highs, is it still a good investment?

This article was originally written by MyWallSt. Read more market-beating insights from the MyWallSt team here.

 

Bull Case

Twilo has been one of the beneficiaries of the “shift to digital”, where companies would adapt to the internet and mobile in ways that could often take years in the past. Since COVID-19 hit, this timeline has been compressed to weeks and months and has acted as a secular tailwind for the company. This is demonstrated in a report published by Twilio last year surveying over 2,500 companies which found that 97% of companies found that the pandemic sped up this acceleration. Furthermore, companies’ digital acceleration strategy was accelerated by an average of six years. This acceleration has benefitted Twilio to date but looks set to continue in the coming years. 

Twilio reported $548.1 million in revenue, an increase of 65% year-over-year, and full-year revenue growth of 55% to $1.76 billion in Q4 2020. It has a diversified revenue base with 27% of sales generated outside of North America and spread across different business types and sizes. 

Whether you are aware of it or not, you have likely come across Twilio’s software in everyday life, whether to verify your number via Whatsapp or getting messages from Lyft or Airbnb.  Along with several high-profile customers, Twilio reported 221,000 active customer accounts as of December 2020, compared to 179,000 a year prior. Twilio has suffered from losing the business of large customers, such as Uber, which accounted for roughly 12% of revenue. However, despite a short-term fall in the stock price, Twilio continued to grow revenue and decrease its customer concentration levels. Today, its top 10 customers account for 13% of revenue, a 1% decrease YoY. The stickiness of its business and increasing spend by customers is demonstrated in its dollar-based net expansion of 139% in Q4. 

A passionate founding CEO is also a positive indicator. Twilio head, Jeff Lawson, has an impressive 95% approval rating on Glassdoor and still owns a large stake in the company. Twilio also has one of the most diverse leadership teams of any publicly-traded company, with women making up 6 out of 13 of its upper management.

Finally, Twilio has acquired SendGrid and Segment over the past 3 years, and while a strategy of growth by acquisition can be risky, it has demonstrated its ability to do so successfully.

 

Bear Case

Twilio’s valuation may be a cause for concern for investors as it is currently trading at roughly 37x price-to-sales ratio. This high multiple will mean that management will need to continue to execute on its forecasts. Twilio is also not the only player in the space, with Microsoft’s Azure Communication Services providing stiff competition. 

Twilio is also still unprofitable despite a great year of revenue growth, reporting a net loss of $490.9 million in fiscal 2020 compared to $307 million a year prior. On an adjusted basis, this loss is lessened due to excluding items such as stock-based compensation. Nevertheless, it is clear that Twilio has some way to go.

Twilio’s gross margins are not as high as other SaaS companies either, coming in at 56% for Q4, a slight decrease YoY. Although management expects 60-65% margins over the long term, this is yet to materialize, and investors should keep an eye on it. 

 

So, Should I Buy Twilio Stock?

Twilio is well-positioned to benefit from a shift to digital during COVID-19 and in a post-pandemic world and the visionary Jeff Lawson at the helm. Twilio has the numbers to back it up and could be a great addition to a portfolio. The stock is likely to be volatile due to the run-up in recent times, but investors should take advantage of any weakness in the stock as it is likely to continue to keep performing.

MyWallSt gives you access to over 100 market-beating stock picks and the research to back them up. Our analyst team posts daily insights, subscriber-only podcasts, and the headlines that move the market. Start your free trial now!

Disclaimer Past performance is not a reliable indicator of future results.

CMC Markets is an execution-only service provider. The material (whether or not it states any opinions) is for general information purposes only, and does not take into account your personal circumstances or objectives. Nothing in this material is (or should be considered to be) financial, investment or other advice on which reliance should be placed. No opinion given in the material constitutes a recommendation by CMC Markets or the author that any particular investment, security, transaction or investment strategy is suitable for any specific person.

The material has not been prepared in accordance with legal requirements designed to promote the independence of investment research. Although we are not specifically prevented from dealing before providing this material, we do not seek to take advantage of the material prior to its dissemination.

CMC Markets does not endorse or offer opinion on the trading strategies used by the author. Their trading strategies do not guarantee any return and CMC Markets shall not be held responsible for any loss that you may incur, either directly or indirectly, arising from any investment based on any information contained herein.

*Tax treatment depends on individual circumstances and can change or may differ in a jurisdiction other than the UK.

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