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Disney stock, UPS, and more. Stock picks to buy on October 14th.




This story originally appeared on Best Stocks.

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Gen Z’s best stocks

According to a Cowen report released Wednesday, the cohort of shoppers already accounts for about 20% of annual expenditures in the United States and is expected to inherit roughly $60 trillion in wealth by 2050.

“The largest wealth transfer in history is underway,” John Kernan, the report’s lead analyst, said”

Gen Z’s best stocks
Source: Getty Images

According to the report, Gen Z and millennial consumers will account for roughly 68 percent of the global population by 2028, up from 50 percent today.

According to Cowen, Gen Z and millennials will shake up businesses across sectors with an emphasis on sustainability, social commerce, and digital shopping due to their increased purchasing power.

In July, Cowen surveyed 1,200 U.S. adults aged 18 to 34 to identify consumption and brand preference trends. Cowen highlighted its favorite stocks based on the findings in order to capitalize on what it calls the “rapid ascension” of the youngest cohort of shoppers.

Here are Cowen’s top five Gen Z and millennial stock picks.


Amazon stock The e-commerce behemoth is a popular destination for Generation Z and millennial customers
Source: Getty Images

The e-commerce behemoth is a popular destination for Generation Z and millennial customers. More than six out of ten respondents in the 18 to 34 age group said Amazon was their preferred shopping channel. Amazon stock price today is $3,304.67.

According to the survey, Amazon is also the most common place for consumers to begin searching for a product and researching a product prior to purchase, both in-store and online.

Mexican restaurant Chipotle

Mexican restaurant Chipotle
Source: Getty Images

Cowen discovered that younger shoppers in the United States are more likely than older counterparts to consider food transparency when deciding where to eat. According to the survey, ordering food online and using delivery services is also popular among Gen Z and millennials.

The company favors Chipotle Mexican Grill, which it considers to outperform, as a way to capitalize on both dining trends.


Cowen discovered that athletic apparel maker Lululemon's brand appeal is rapidly growing among young shoppers
Source: Getty Images

Cowen discovered that athletic apparel maker Lululemon’s brand appeal is rapidly growing among young shoppers.

Lululemon was preferred by 9 percent of 18- to 24-year-olds in the casual lifestyle apparel segment, up from 4 percent in 2019.


With the emphasis on sustainability for Generation Z and millennials, more younger customers are shopping resale
Source: Getty Images

With the emphasis on sustainability for Generation Z and millennials, more younger customers are shopping resale.

The number of 18- to 34-year-olds using a resale marketplace to buy secondhand clothing, footwear, or accessories increased by a third year over year.

Cowen likes online resale platform Poshmark because it has the most users compared to companies like StockX and GOAT.


Paypal According to Cowen's survey, younger consumers are increasingly using digital payment solutions when shopping.
Source: Getty Images

According to Cowen’s survey, younger consumers are increasingly using digital payment solutions when shopping.

Disney is still a top stock

Disney is still a top stock
Source: Getty Images

Shares began to return all gains due to solid fiscal gains in the third quarter. Revenue from the company’s Disney+ unit rose to $4.3 billion, but the operation lost money. An increase in open interest levels in the company’s October options may be a result of this. Now that immunization rates have increased, the momentum has shifted at Disney. It looks like the stock tried on August 13th but failed, forming what appears to be a bearish descending triangle.

When the stock price drops below the $168 support, this could lead to lower prices in the coming weeks. For example, the stock could rise to $154 or fall to $127 during the last period of the day.

Disney is by far the largest media and entertainment conglomerate in the world. With an extended multigenerational audience, the company is one of the most popular and identifiable brands globally. The Media Networks section, which includes ABC, ESPN, and Disney Channels, will account for 40% of all sales in 2020. In addition, Disney saw profits jump due to the merger with 21st Century Fox in the first three months of 2019. the entertainment powerhouse claimed its net revenue rose more than 85% to $5.4 billion.

Disney is in the rare position of owning a distinctive brand led by many creative production studios such as Marvel, Pixar, and Lucasfilm. This corporate milestone was reached on October 2, 2020, when the Walt Disney Company obtained 2,225 active patent families protected by the US Patent Office. Disney knows how to leverage each character’s intellectual property most efficiently and incorporate it elsewhere. According to LIMA, entertainment and nature licensing generated $107.2 billion in retail sales. Because Disney controls the markets for cable sports and adult entertainment networks, it is the dominant company in these categories.

His results were remarkable. It is responsible for 14 of the 20 highest-grossing films of all time. In addition to Disney Channel, Disney XD and Disney Junior, the Disney company has a strong presence in the children’s entertainment market with Disney Channel, Disney XD and Disney Junior networks. The diverse set of content that Disney can optimize is a significant source of new content as remakes, sequels, and franchises are created. The global amusement park market will expand to $99.34 billion by 2027, with an estimated growth rate of 8.8%. The Walt Disney Company has a 52% market share in the business.

In October 2021, Disney will celebrate its 50th anniversary with the introduction of several new toys. In addition, different technology will be implemented to ensure the safe reopening of parks. Although it faces the same risks as its competitors, Disney is the least negatively affected by the pandemic. After the Ebola crisis, Disney reported a 37% reduction in sales compared to the previous epidemic. Still, it is faring worse than its competitors. Disney’s revenue growth is approximately 5.7% per year, with gross and net margins of 41.8% and 13.17%, respectively.

Except in 2019, the company’s operating cash flows grew gradually. Studio Entertainment revenues are determined by multiplying the total available seating capacity by the average ticket price per person. The percentage change in TV viewing is multiplied by age and divided by each channel’s target audience to calculate the network’s advertising revenue. However, 3% growth is projected due to pandemic constraints. Analysts project revenues to increase 95% by 2022. 

Disney’s revenue is expected to grow 8.5% in 2021, with considerable growth from its platforms. It is streaming in the short term before increasing rapidly in 2022 due to more visitors to its theme parks and hotels. A DCF analysis of the main rivals within each category was used to define the company’s valuation. An increase of 6.65% is expected over an EV/EBITDA of 22.71x and a discount rate of 10.2%. DIS stock price today is $174.76.

The five best stocks for this upcoming earnings season

The five best stocks for this upcoming earnings season
Source: Getty Images

Goldman expects stocks to rise 6% this quarter based solely on the relationship with quarterly earnings.

Goldman screened the 1,000 companies in its coverage universe for the top 25 opportunities, looking for stocks with earnings of more than five cents per share over the next four quarters. The company then filtered for stocks where its analysts are above or below Thomson Reuters’ consensus for the upcoming quarter and year “on a key financial metric.”

Goldman also suggests purchasing out-of-the-money calls on these stocks.

The note stated that “single stock put-call skew is at its highest level in over a year.” “Given investors’ well-hedged position, even modest earnings beats are likely to drive a relief rally in specific stocks (on earnings day) and the broad index (over the next three months.”

Here are their five “most out-of-context” picks for the quarter.

Goldman sees a 37% increase in Uber’s stock price over the next year, and its analysts’ earnings estimates for the company are 20% higher than the consensus. According to analyst Eric Sheridan, the ride-sharing company could be the next large-cap platform ecosystem. According to him, the closing supply-demand gap should result in more normalized rider pricing, demand improvements, and pre-Covid levels of profitability.

Goldman sees Bank of America, which reports Thursday morning, as one of the largest earnings beneficiaries of “significant remixing of cash into securities” among the top banks. It sees a 7% increase, which is 10% higher than the consensus estimate.

According to Goldman, among smaller banks, Signature Bank is poised for a revenue beat driven by loan growth, with a 15% upside to the stock. Analyst Ryan Nash’s earnings estimate is 7% higher than the consensus for this quarter and 5% higher for the next four quarters.

According to analyst Kate McShane, macro indicators can support Lowe’s demand beyond 2021. She believes the stock has a 12% upside and that it is better positioned than it was six months or even a year ago as a result of bringing seasonal inventory purchases forward earlier in the year.

Credit Suisse 7 best stocks

Credit Suisse 7 best stocks
Source: Getty Images

Every quarter, the Swiss bank publishes a list of 30 stock recommendations based on its proprietary cash flow analysis to assess companies’ future expected performance.

“For Q4 [fourth quarter] 2021, our stock selection will primarily focus on high operational quality companies with attractive valuations and strong momentum,” the bank stated in an Oct. 4 note.

This quarter’s picks include seven new additions to the list that the Swiss bank considers “best-in-class.”

According to the bank, integrated oil and gas company OMV is the only energy player on the list this quarter after delivering the second-highest returns among its peers in 2020. Analysts also like the Austrian company because of its lower debt level in comparison to its European peers, as well as its ability to service its commitments and make capital allocation decisions. The analysts, led by Hiten Patel, wrote in the note that the company’s valuation could increase by 15% in the long run.

Credit Suisse sees technology group Andritz as a strong momentum play in the industrials sector. The industrial machinery supplier’s stock has “returned 26.4 percent over the last six months, outperforming its European peers by nearly 20 percent.” “Momentum remains strong,” the analysts said, giving it a 20% potential upside. Andritz is also liked by the Swiss bank for its ability to meet its obligations.

Bucher, a Swiss technology group, is another industrials name that Credit Suisse likes. According to the analysts, it is a “best-in-class name” with “strong wealth creation principles throughout its history” and a track record of “growing into increasing returns during cyclical upswings.” While the pandemic had an impact on returns, analysts believe they will return to pre-pandemic levels this year. According to the analysts, the stock has a 25% potential upside.

Credit Suisse also likes SAP, a provider of software and technology solutions, because of its consistent returns over the last two years. It also supports the company’s shift in business model from licensing to cloud and web-based software products, as well as its “holistic offering for business transformation in the cloud.” According to the Swiss bank, SAP is undervalued in comparison to its global peers, with a potential upside of 34%.

VGP, a Belgian-based real estate developer, completes the list of “best-in-class” new additions. According to Credit Suisse, the company has “one of the strongest momentum profiles in European real estate,” as well as a strong development pipeline with 42 sites currently under construction. In addition to the expansion of its land bank, the company has strong pre-leasing commitments, according to the analysts. They estimate a 15% gain in the stock over the next five years.

Asia stock picks

Asia stock picks
Source: Getty Images

“In the context of rising energy prices, fuel suppliers (coal miners and oil and gas explorers) are obvious gainers,” BNP Paribas  said in a report last week.

“In addition, we believe that the ongoing energy crisis should heighten governments across Asia’s focus on renewable energy,” it added.

BNP Paribas identified Asian ex-Japan stocks with a market capitalization of $5 billion or more as beneficiaries of the energy crisis.

BNP Paribas declares “winners”

The following stocks were included in the bank’s “winners” basket:


China Shenhua Energy, China Coal Energy, Shanxi Coking Coal Energy, and Yanzhou Coal are coal miners.

CNOOC and PetroChina are two oil exploration and refining companies.

China Longyuan Power and CGN Power are two examples of renewable energy companies.

South Korea

Oil exploration companies or refineries: S Oil


Coal India is a coal miner.

ONGC and Reliance Industries are two oil exploration and refining companies.

Adana Green Energy is a provider of renewable energy.


Adaro Energy, Bukit Asam, and Indo Tambangraya Megah are coal miners.


Banpu Public Co. is a coal miner.

PTT Exploration & Production and Thai Oil are two oil explorers and refiners.

… as well as ‘losers’

BNP Paribas also identified 18 stocks as “losers” as a result of rising energy prices, with all but one coming from China.

Thermal power generators in China face squeezed margins as input costs rise due to rising coal prices and government-controlled electricity tariffs, according to the bank.

Morningstar has identified two stocks that are “more sheltered” from China’s technological scrutiny.

UBS selects its top investment ideas for China, including ‘high quality’ real estate investments.

Goldman Sachs recommends China chip stocks to buy as the US-China tech rivalry heats up.

In the short term, gas distributors face similar challenges, according to the bank. It explained that those companies can pass on higher costs to customers, but that this usually takes some time.

Meanwhile, energy-intensive industries such as steel, aluminum, chemicals, and cement may suffer as a result of Chinese production cuts and rising energy costs, according to BNP Paribas.

The following Chinese stocks are included in the bank’s “losers” basket:

China Resources Power, China Power International, Huaneng Power International, and Huadian Power International are thermal power generators.

China Gas Holdings, China Resources Gas, ENN Energy, Hong Kong and China Gas Co., Kunlun Energy are gas distributors.

Aluminum Corporation of China, Baoshan Iron & Steel, Angang Steel Co, China National Building Material, Anhui Conch Cement, China Resources Cement

China National Chemical Engineering and Zhejiang Longsheng Group manufacture industrial chemicals.

Indraprastha Gas, India’s gas distributor, is the only non-China losing stock in BNP’s basket.

Stifel upgrades UPS 

Stifel upgrades UPS
Source: Getty Images

Analyst J. Bruce Chan raised UPS stock from hold to buy in a note to clients on Thursday, saying that rising shipping rates and surcharges should help UPS through the holiday shopping season and into 2022.

“Right now, we think there’s a lot to like about the fundamental UPS story.” Despite tough comps, Ecommerce continues to drive secular volume growth in the company’s core small package unit, and continued yield management focus, in our opinion, is a boon in an environment with ample near term rate momentum,” the note stated.

“With strong free cash flow and a healthy dividend yield, our only concern had been valuation.” “However, with prices now in, and our forecast for a solid peak season, we believe UPS represents a good opportunity here,” the note said.

UPS’s price target has been raised to $224 per share from $210 per share by Stifel. The new target is 21.7 percent higher than the stock’s closing price on Wednesday.

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New City Paradise a New way of Living in Islamabad Complete Guide



Welcome to the New City Paradise a New way of Living in Islamabad Complete Guide! Here you will find all the information you need to make the switch to living in this buzzing city. From housing options to recreational activities, we have everything you need to make the move a success. So come explore the New City Paradise today!

  1. Introduction

New City Paradise is a new way of living in Islamabad that is becoming increasingly popular. This new way of living offers a complete guide to all the best that Islamabad has to offer, from its many attractions and activities to its restaurants and nightlife. New City Paradise is the perfect place to call home for those who want to experience all that the city has to offer.

  1. What is New City Paradise?

New City Paradise is a new way of living in Islamabad. It is a complete guide to the best places to live, work and play in the city. The guide includes information on the top places to live, work and play in Islamabad, as well as tips on how to make the most of your time in the city.

Whether you’re looking for a place to call home, or simply want to explore a new city, New City Paradise is the perfect resource for you. With its comprehensive listings and user-friendly layout, the guide makes it easy to find the perfect place to suit your needs.

So what are you waiting for? Start your journey to the perfect city today!

  1. The benefits of living in New City Paradise

New City Paradise is a new way of living in Islamabad. It is a project of the Ali Group of Companies and is located at the foothills of Margalla Hills. New City Paradise is a gated community that offers a secure and serene environment to its residents. The project is approved by Islamabad Capital Territory (ICT) and is spread over an area of 2000 kanals.

New City Paradise is a fully developed housing society that offers all the modern amenities and facilities to its residents. The society has its water filtration plant, power generator, security guards, and CCTV cameras. Moreover, the society has a mosque, a community center, and a playground for the residents.

The main attraction of New City Paradise is its location. The society is located just 10 minute drive from Islamabad International Airport and is also accessible from all the major highways of Islamabad.

The benefits of living in New City Paradise are:

  1. The society offers a secure and serene environment to its residents.
  2. The society has its water filtration plant, power generator, security guards, and CCTV cameras.
  3. The society has a mosque, a community center, and a playground for the residents.
  4. The society is located just 10 minute drive from Islamabad International Airport.
  5. The society is accessible from all the major highways of Islamabad.


  1. The amenities and facilities available in New City Paradise

New City Paradise is a new way of living in Islamabad. It is a modern, luxurious, and fully equipped community. It is situated in the heart of Islamabad and offers a wide range of amenities and facilities to its residents.

The amenities and facilities available in New City Paradise include:

– A modern and luxurious clubhouse

– A swimming pool

– A gymnasium

– A sauna

– A steam room

– A jacuzzi

– A spa

– A salon

– A café

– A restaurant

– A grocery store

– A laundromat

– A 24-hour security system

– CCTV surveillance

– A fire alarm system

– A power backup system

New City Paradise is the perfect place to live a comfortable and luxurious life. It offers all the amenities and facilities that you need to live a modern lifestyle.

  1. The security and infrastructure of New City Paradise

Islamabad is the capital of Pakistan and is located in the Pothohar Plateau in the northern part of the country. The city is home to many government buildings and institutions, as well as many embassies and international organizations. The city is also a major center of education, with many universities and colleges located there.

read more about the payment plan of seven wonders city islamabad

New City Paradise is a new development in Islamabad that promises a new way of living. The development is located in the heart of the city and offers a variety of amenities and features that are designed to make life more convenient and comfortable. The development includes a shopping mall, a food court, a gym, a swimming pool, a library, a mosque, and a school.

The security and infrastructure of New City Paradise are of the highest standards. The development is guarded by a 24-hour security force, and CCTV cameras are installed throughout the premises. The development is also equipped with a power generator so that residents can enjoy an uninterrupted power supply.

  1. The cost of living in New City Paradise

New City Paradise is a newly developed residential area in Islamabad, Pakistan. It is located on the outskirts of the city and is easily accessible from the main highway. The area is well developed with all the basic amenities like water, electricity, gas, and sewerage. There are many schools, colleges, and universities in the area. The cost of living in New City Paradise is very reasonable. The average rent for a one-bedroom apartment is about $300 per month. The cost of food and other necessities is also very reasonable. There are many parks and playgrounds in the area which makes it a great place to live.

  1. The climate in New City Paradise

Pakistan is a country located in southern Asia. The climate in Pakistan is varied, with four distinct seasons. The country experiences very hot summers, cool winters, and moderate monsoons.

The climate in New City Paradise, Islamabad is no different. The city experiences all four seasons, albeit in a slightly milder form than the rest of the country. The summers are hot and dry, with temperatures often reaching 40 degrees Celsius. The monsoon season brings heavy rains and cooler temperatures, while the winters are cold and dry.

Despite the extreme weather conditions, New City Paradise is a beautiful place to live. The city is home to many parks and gardens, which provide a welcome respite from the heat. There are also several shopping malls and restaurants, which make it a great place to shop and eat.

If you’re thinking of moving to New City Paradise, Islamabad, then you should consider the climate. The city is a great place to live, despite the extreme weather conditions.

  1. The people of New City Paradise

New City Paradise is a newly developed housing scheme located on the outskirts of Islamabad. It is a gated community with all the modern amenities and facilities that you can think of. The project is developed by a well-known real estate company in Pakistan and it is one of the most popular housing schemes in the country.

The people of New City Paradise are a mix of different cultures and backgrounds. The community is very friendly and welcoming. There are people from all walks of life living in this housing scheme. The majority of the residents are families with young children. Several singles and retirees have chosen to live in this community.

The community is very clean and well-maintained. The streets are lined with trees and there are plenty of green spaces. The homes are all well-built and the architecture is modern.

The amenities in New City Paradise are top-notch. There is a state-of-the-art gym, a swimming pool, a tennis court, and a basketball court. There are also several restaurants and cafes. The community is very safe and secure. There is a 24-hour security service and the gates are always locked.

The people of New City Paradise are a great example of how a community can be successful. They are friendly and welcoming, and the community is clean and safe. If you are looking for a place to live in Islamabad, this is a community that you should consider.

  1. Conclusion

It is often said that a city is only as good as its infrastructure and, by extension, the quality of life of its residents. Islamabad, the capital of Pakistan, is a prime example of this. The city has been designed to be a model of urban planning and development, with a wide range of amenities and a high standard of living.

However, Islamabad is not without its problems. The city has been plagued by several issues, including a lack of jobs, a high cost of living, and a lack of social cohesion.

Despite these challenges, Islamabad remains a city with great potential. With a strong foundation in place, the city has the potential to become a leading example of urban development in the region.

To realize this potential, the government needs to continue to invest in the city’s infrastructure and to attract businesses and investors. Additionally, the city’s residents need to work together to create a strong sense of community.

By working together, we can make Islamabad a city that we can all be proud of.

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The Upside of Tracking Employees’ Time With Timesheet Management Software: 5 Convincing Reasons




digital onboarding

The greatest asset to any organization is its employees. The greatest challenge in running a business is managing the timing and attendance of the employees. With timesheet management software, you can ensure that your employees are working to their fullest potential. Doing so eventually increases productivity and efficiency in the company.


Research states that time theft affects 75% of companies and costs up to 20% of every dollar they make. Time tracking can track the performance time of the employees in your company to the T. You can see, compare, evaluate and set benchmarks within your company for new hires to follow, which ensures that the quality of work and company growth doesn’t take a hit.


5 benefits of timesheet management software


Employee tracking systems were once a painstaking process that demanded the complete attention of the managers. In lieu of creating timesheets manually, companies couldn’t come through with many other important processes and deadlines. With the increasing competition and advancement in technology, the pressing priority was a tool or a platform that streamlined operations and automated time tracking. The answer was timesheet management software which provided the following benefits.


  1. Increase in productivity


With timesheet management software, you can:

  • Constantly monitor the status of projects and teams. You can see the hiccups in the process and provide quick steps to resolve the issue.
  • Similarly, instead of manually filling in the performance and working hours of employees, the software automates this and updates data in real time.
  • The people working in your company will become more aware of their time, knowing that they’re under supervision. This pushes them to utilize time properly and complete pending tasks.
  • The software takes over many processes of the company, which means more time on hand. You can use this time to focus on the important aspects of your company.


  1. Fewer errors in performance and payroll data


A manual method of tracking time may be inaccurate, as people may punch in their work shifts incorrectly. Sometimes, they can override the system and enter the wrong data to fool companies into paying them more. However, with timesheet management software, you can avoid such errors as it records data based on actions. It reduces absenteeism and tardiness in the company by measuring the hours put in and the output generated by each employee.


  1. Seamless project management


Timesheet management software plays a surprising role in managing projects. It not only lets you know the status of a project but also records each individual’s role in it. The data you receive concerning the people will be helpful in deciding the qualification of any employee for a new project. You also get to know the proficiency of each employee and can decide which area of the business is best suited for them based on their skills.


  1. Legal compliance and transparency


Incorrect data concerning the attendance of your employees will land you in legal trouble. You can’t always trust manual punching in time as it can lead to an accumulation of falsified data. With timesheet management software, you can rest easy knowing well that the recorded attendance is correct and legally compliant. Showing up on time becomes the topmost priority when you know that you can face legal action.


  1. Futuristics technological solutions


No business in the current scenario can run away from the new technology taking over. Businesses need advanced solutions in some capacity or the other. Managers, on the other hand, need to be involved with every other area of the business. They need constant updates on projects, available at the click of a button on a timesheet management software. Additionally, the software records all actions that take place in the company. When you use this software, you’re making your company future-proof in this dynamic global market.


Making the most of the lost time


Time is the most valuable resource in life, not just within businesses. With proper utilization of the time you have, reaching and redefining success won’t be a herculean task for your company. Good timesheet management software reduces errors, increases efficiency, improves payroll management, and simplifies operations. Once you start using such software, it’s a guarantee that you won’t go back to previous working styles in your company.

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Business Model Canvas for Non-Profit Organizations




Business Model Canvas

Non-profit organizations play a vital role in the world by addressing societal issues and providing essential services to communities. However, like any other business, nonprofits need a clear understanding of their business model to effectively achieve their goals. The business model canvas is an excellent tool for non-profit organizations to create a comprehensive view of their operations and guide decision-making processes. A free Business model canvas trial tool for your non-profit organization !


The business model canvas is a strategic management tool that provides a visual representation of an organization’s business model. It is made up of nine sections, including key partners, key activities, key resources, value propositions, customer segments, channels, revenue streams, and cost structure. In this blog, we will explore how non-profit organizations can customize the business model canvas to create a sustainable and impactful business model.


Defining the Value Proposition


The first section of the business model canvas is about defining the value proposition. For non-profit organizations, this may include addressing a societal issue or providing essential services to a particular community. The value proposition should clearly outline what the organization does and why it matters.


When defining the value proposition, it is essential to consider the organization’s mission and vision. Nonprofits need to have a clear understanding of their goals to create a compelling value proposition that resonates with their stakeholders. The value proposition should be measurable and aligned with the organization’s overall strategy.


Identifying Key Partners


The second section of the business model canvas is about identifying key partners. For non-profit organizations, this may include other non-profits, government agencies, or private corporations. These partners may provide funding, resources, or expertise to support the organization’s mission.


When identifying key partners, it is essential to consider their values and goals. Nonprofits should look for partners who share their vision and have a vested interest in the organization’s success. Building strong partnerships can help nonprofits to leverage resources and increase their impact.


Defining Key Activities


The third section of the business model canvas is about defining key activities. For non-profit organizations, this may include providing services, conducting research, or advocating for a particular cause. It is essential to identify the key activities that are critical to the organization’s success and prioritize them accordingly.


Nonprofits should focus on activities that align with their mission and have the most significant impact on their stakeholders. They should also consider outsourcing non-critical activities to other organizations or volunteers to reduce costs and improve efficiency.


Determining Key Resources


The fourth section of the business model canvas is about determining key resources. For non-profit organizations, this may include human resources, such as staff and volunteers, as well as physical resources, such as office space and equipment.


Nonprofits should identify the resources that are critical to their operations and ensure that they have the necessary resources to achieve their goals. They should also consider ways to leverage resources to increase their impact, such as partnering with other organizations or using technology to streamline operations.


Identifying Customer Segments


The fifth section of the business model canvas is about identifying customer segments. For non-profit organizations, this may include the individuals or communities they serve, as well as their donors and sponsors.


When identifying customer segments, it is essential to consider their needs and preferences. Nonprofits should tailor their services and communication to meet the unique needs of their stakeholders. They should also consider ways to build long-term relationships with their customers to increase their impact and sustainability.


Developing Channels


The sixth section of the business model canvas is about developing channels. For non-profit organizations, this may include fundraising events, online campaigns, or advocacy efforts.


Nonprofits should develop channels that align with their mission and goals. They should consider the most effective ways to reach their stakeholders and build relationships with them.


Assessing Cost Structure


The final section of the business model canvas is about assessing cost structure. For a non-profit organization, it is important to carefully manage expenses to ensure that resources are being used effectively to achieve the organization’s mission and objectives.


Non-profit organizations may have unique cost structures that differ from for-profit organizations. For example, non-profit organizations may rely heavily on volunteers to minimize labor costs. It is important to carefully evaluate expenses and look for opportunities to reduce costs while still achieving the organization’s goals.



Customizing the business model canvas for non-profit organizations involves identifying key partners, defining key activities and resources, identifying customer segments, developing value propositions, identifying channels, and assessing cost structure. By carefully considering each of these elements, non-profit organizations can create a sustainable business model that effectively achieves their mission and objectives. The business model canvas provides a valuable framework for non-profit organizations to plan and implement their strategies, and it can be adapted to meet the unique needs of any organization.

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How to Spot the Biggest CVV Shop: A Comprehensive Guide



CVV Shop

With the widespread use of credit cards, credit card fraud has become a major concern for individuals and businesses alike. Fraudsters use various tactics to obtain credit card information, which they use to make unauthorized transactions. In this article, we will discuss how to identify credit card fraud and spot the biggest CVV shop.

Understanding Credit Card Fraud

Credit card fraud occurs when someone uses another person’s credit card information without their permission. Fraudsters may obtain credit card information through various means, including phishing scams, skimming devices, or hacking into databases containing credit card information.

Types of Credit Card Fraud

There are different types of credit card fraud, including:

  1. Counterfeit Fraud

Counterfeit fraud occurs when a fraudster creates a fake credit card using stolen credit card information. They may use the fake credit card to make purchases or withdraw cash from ATMs.

  1. Lost or Stolen Card Fraud

Lost or stolen card fraud occurs when a fraudster uses a lost or stolen credit card to make purchases or withdraw cash from ATMs.

  1. Card Not Present Fraud

Card not present fraud occurs when a fraudster uses stolen credit card information to make online purchases or transactions over the phone.

Signs of Credit Card Fraud

There are various signs that can indicate credit card fraud, including:

  • Unauthorized transactions on your credit card statement.
  • Unexpected declined transactions.
  • Receiving a new credit card in the mail that you did not request.
  • Unfamiliar charges or inquiries on your credit report.
  • Receiving calls from debt collectors for debts you do not owe.

How to Spot the Biggest CVV Shop

A CVV shop is a website or online marketplace that sells stolen credit card information. CVV stands for Card Verification Value, which is a three-digit number found on the back of credit cards. Fraudsters use CVV shops to sell stolen credit card information to other criminals who use it for fraudulent transactions.

Signs of a CVV Shop

There are various signs that can indicate a CVV shop, including:

  1. Dark Web Listings

CVV shops are often found on the dark web, which is an anonymous network of websites that are not indexed by search engines. These websites require specific software and credentials to access.

  1. Pricing

CVV shops often sell credit card information for a fraction of the card’s actual value. If a website is offering credit card information at unusually low prices, it may be a CVV shop.

  1. Payment Methods

CVV shops may offer payment methods that are difficult to trace, such as Bitcoin or other cryptocurrencies. This makes it harder for authorities to track down the fraudsters.

How to Protect Yourself from Credit Card Fraud

There are various ways to protect yourself from credit card fraud, including:

  • Keeping your credit card information secure and not sharing it with others.
  • Monitoring your credit card statements regularly for unauthorized transactions.
  • Using strong and unique passwords for your online accounts.
  • Being cautious of phishing scams and not clicking on suspicious links or emails.
  • Contacting your bank immediately if you suspect credit card fraud.


Credit card fraud is a serious issue that can have significant financial consequences. Understanding the different types of credit card fraud and signs to look out for can help you identify potential fraud early. By being aware of the signs of a CVV shop and taking steps to protect your credit card information, you can reduce the risk of becoming a victim of credit card fraud.

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Towards a Sustainable Future: The Importance of Biobased and Eco-Friendly Packaging



Packaging Tips For Fragile Items

The importance of sustainable packaging has been increasingly recognized in recent years, as businesses and consumers alike seek to reduce their environmental impact. One approach to achieving this goal is through the use of biobased packaging, which is a type of eco-friendly packaging made from renewable resources.

Biobased packaging

Biobased packaging refers to packaging materials that are derived from biomass, which includes a wide range of organic matter such as plants, trees, and agricultural waste. This is in contrast to traditional packaging materials such as plastic, which are made from non-renewable resources such as oil and gas. Biobased packaging can be made from a variety of materials, including bioplastics, paper, and cardboard.

One of the benefits of biobased packaging is that it is biodegradable, meaning that it can break down naturally in the environment. This is in contrast to traditional packaging materials, which can take hundreds of years to decompose and can contribute to pollution and litter. Biobased packaging also often requires less energy to produce than traditional packaging, as it is made from renewable resources that require less processing.

In addition to being biodegradable, biobased packaging can also be compostable, meaning that it can break down into organic matter that can be used as fertilizer. This can help to reduce waste and support sustainable agriculture. Some biobased packaging materials are also recyclable, meaning that they can be reused to create new products.

One example of biobased packaging material is a bioplastic, which is a type of plastic made from renewable resources such as cornstarch or sugarcane. Bioplastics can be used to make a wide range of products, including food packaging, bags, and utensils. They are biodegradable and compostable, making them a more sustainable alternative to traditional plastic.

Another example of biobased packaging is paper-based packaging, which is made from renewable resources such as trees. Paper-based packaging can be recycled and is biodegradable, making it a more eco-friendly option than plastic. In addition, paper-based packaging can often be produced using less energy than plastic packaging, as it requires less processing.

Eco-friendly packaging

Eco-friendly packaging is another term that is often used to describe sustainable packaging. Eco-friendly packaging can refer to a range of packaging materials and practices that are designed to have a minimal impact on the environment. This can include biobased packaging, but can also include other sustainable packaging practices such as using recycled materials or reducing packaging waste.

One example of eco-friendly packaging is minimal packaging, which involves reducing the amount of packaging used for a product. This can help to reduce waste and minimize the environmental impact of the packaging. Another example is reusable packaging, which involves designing packaging that can be used multiple times, reducing the need for single-use packaging.

While biobased packaging and eco-friendly packaging have many benefits, there are also some challenges associated with their use. One challenge is the cost of producing these types of packaging, which can be higher than traditional packaging materials. However, as demand for sustainable packaging increases and production processes become more efficient, the cost of biobased packaging is likely to decrease.

Another challenge is the availability of biobased packaging materials. While there are a growing number of companies producing biobased packaging, the availability of these materials can still be limited. This can make it difficult for businesses to switch to sustainable packaging options.

Despite these challenges, the use of sustainable packaging is an important step towards reducing our environmental impact and creating a more sustainable future. 
By choosing biobased packaging and eco-friendly packaging options, businesses and consumers can help to support sustainable practices and reduce waste.


In conclusion, sustainable packaging is becoming increasingly important as we seek to reduce our environmental impact. Biobased packaging is one type of sustainable packaging that is made from renewable resources and can be biodegradable, compostable, and recyclable. Bioplastics and paper-based packaging are examples of biobased packaging materials, while minimal packaging and reusable packaging are examples of eco-friendly packaging practices.


As we move towards a more sustainable future, it is important for businesses and consumers to consider the environmental impact of the products they use and the packaging they choose. By choosing biobased and eco-friendly packaging options, we can help to reduce our impact on the environment and support sustainable practices. While there are challenges associated with the use of these types of packaging, the benefits are clear and the demand for sustainable packaging is only likely to increase in the years to come.


In addition to choosing sustainable packaging, there are many other steps that businesses and consumers can take to reduce their environmental impact. These can include reducing energy consumption, using renewable energy sources, and minimizing waste. By working together and taking these steps, we can create a more sustainable future for ourselves and future generations.


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