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      "author": "steemitboard",
      "permlink": "steemitboard-notify-sfrj-20200129t222717000z",
      "title": "",
      "body": "Congratulations @sfrj! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@sfrj/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@sfrj) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=sfrj)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "memo": "Time is running out, claim your DTube account now before anyone else can! Login at https://d.tube"
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      "author": "steemitboard",
      "permlink": "steemitboard-notify-sfrj-20190129t220408000z",
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      "body": "Congratulations @sfrj! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@sfrj/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@sfrj)_</sub>\n\n\n> Support [SteemitBoard's project](https://steemit.com/@steemitboard)! **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "body": "If you visit @actifit blog there are many tips about how it works!\n\nPosted using [Partiko Android](https://steemit.com/@partiko-android)",
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      "permlink": "re-sfrj-re-patrickaleach-steem-account-creation-error-or-attempt-3-20181003t142222751z",
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      "body": "To answer your second question first, I'm an artist.. I have multiple characters... but you are currently speaking to the puppet master. I have several accounts, and you should too. Why not. If you use them all in their unique way, it's more than acceptable in my opinion.",
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      "permlink": "re-patrickaleach-steem-account-creation-error-or-attempt-3-20181003t140751011z",
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      "body": "So you wrote this post with your old account? \nWhy do you want two accounts anyway?",
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      "body": "@@ -1,8 +1,56 @@\n+Thanks for sharing, first time I hear about it. \n I am dow\n",
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      "body": "I am downloading it now. But I yet don't understand how it works. Can you tell me a bit more about it please?",
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      "body": "correcto amigo, curiosidad y incertidumbre de; ¿que pasaría si...?\nmotivarte al progreso.",
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      "title": "Some notes taken after watching Warren Buffett's first TV interview",
      "body": "After watching a really good interview done to Warren Buffett(https://www.youtube.com/watch?time_continue=194&v=T6HHwOoq9M4\n), I decided to watch it again and take note of what I thought was the most important messages.\n\nThe first rule of investment is \"don't lose money!\" \nand the second rule of investment is, \"don't forget the first rule!\".\nThat's all the rules there are. If you buy things by far below of what they are worth and you buy a group of them, basically you don't lose money.\n\nThe most important quality of an investment manager is a temperamental quality and not an intellectual quality. You need a stable personality, a temperament that doesn't derive great pleasure from being with the crowd or against the crowd. Investment is not a business where you take polls, it's a business where you think. B. Graham once said: You are not right or wrong because a thousand people agree with you. You are right because your facts and your reasoning are right.\n\nThink of your self as the owner of a piece of a business. If you are making a good investment in a security, it shouldn't matter to you if the market is going to be open tomorrow or in 5 years. We can ocasionally look at the price to see if it is extremely high or extremely cheap but price doesn't tell us nothing about the business. Business figures themselves tell us about the business. Value a business before looking at it's price so that you are not influenced by it't market price.\n\nBeing over stimulated can make you lose focus. Hearing lots of things can be distracting, the main focus should be on valuing a business. This staticness and focus helps the intelectual process. The Intelectual process is, defining your area of competence in valuing business and then within that area of competence finding whatever sells at a cheapest price in relation to value.\nYou don't have to know about everything, nothing it's forced upon you, invest only in what you understand and you feel comfortable with. \n\nYou don't have to swing at an investment if you are unsure or not ready. Focus on the valuation and be patient. Even if you don't find an investment, it's not a problem, don't let the FOMO dominate you and just invest because you follow the crowd. The market will be there always and there are always going to be companies in which to invest.",
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      "body": "Keeping their money in the bank is the real risk....",
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      "title": "",
      "body": "True dat :)",
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      "title": "",
      "body": "What?!? I'm hoping you are wrong!",
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      "title": "",
      "body": "@@ -259,9 +259,51 @@\n ss risks\n+, so they cash out and keep it on the bank\n .\n",
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      "body": "i think that this is not the fault of bitcoin, basically a lot of people with no understanding of what bitcoin is, went into it last year and now that both EU and US are starting to saw signs that there's a recession in the horizon, people are just taking less risks.",
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      "title": "Horizontal(trend) analysis of financial statemts",
      "body": "<html>\n<p><strong>Horizontal analysis</strong> (also known as <em>trend analysis</em>) is a financial statement analysis technique that shows changes in the amounts of corresponding financial statement items over a period of time. It is a useful tool to evaluate the trend situations.The statements for two or more periods are used in horizontal analysis. The earliest period is usually used as the base period and the items on the statements for all later periods are compared with items on the statements of the base period. The changes are generally shown both in dollars and percentage.Dollar and percentage changes are computed by using the following <em>formulas</em>:</p>\n<p><img src=\"http://tinypic.com/r/24lv248/9\"/><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-formula.png\" width=\"440\" height=\"75\"/></p>\n<p>Horizontal analysis may be conducted for balance sheet, income statement, schedules of current and fixed assets and statement of retained earnings.</p>\n<p>Example:<br>\n<img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-bs2.png\" width=\"511\" height=\"544\"/></p>\n<p><br></p>\n</html>",
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      "body": "<html>\n<p><strong>Horizontal analysis</strong> (also known as <em>trend analysis</em>) is a financial statement analysis technique that shows changes in the amounts of corresponding financial statement items over a period of time. It is a useful tool to evaluate the trend situations.The statements for two or more periods are used in horizontal analysis. The earliest period is usually used as the base period and the items on the statements for all later periods are compared with items on the statements of the base period. The changes are generally shown both in dollars and percentage.Dollar and percentage changes are computed by using the following <em>formulas</em>:</p>\n<p><img src=\"http://tinypic.com/r/24lv248/9\"/><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-formula.png\" width=\"440\" height=\"75\"/></p>\n<p>Horizontal analysis may be conducted for balance sheet, income statement, schedules of current and fixed assets and statement of retained earnings.</p>\n<p>Example:<br>\n<img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-bs2.png\" width=\"511\" height=\"544\"/></p>\n<p><br></p>\n</html>",
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      "body": "<html>\n<p><strong>Horizontal analysis</strong> (also known as <em>trend analysis</em>) is a financial statement analysis technique that shows changes in the amounts of corresponding financial statement items over a period of time. It is a useful tool to evaluate the trend situations.The statements for two or more periods are used in horizontal analysis. The earliest period is usually used as the base period and the items on the statements for all later periods are compared with items on the statements of the base period. The changes are generally shown both in dollars and percentage.Dollar and percentage changes are computed by using the following <em>formulas</em>:</p>\n<p><img src=\"http://tinypic.com/r/24lv248/9\"/><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-formula.png\" width=\"440\" height=\"75\"/></p>\n<p>Horizontal analysis may be conducted for balance sheet, income statement, schedules of current and fixed assets and statement of retained earnings.</p>\n<p>Example:<br>\n<img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-bs2.png\" width=\"511\" height=\"544\"/></p>\n<p><br></p>\n</html>",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.accountingformanagement.org/vertical-analysis-of-financial-statements/",
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      "body": "<html>\n<p><strong>Vertical analysis</strong> (also known as common-size analysis) is a popular method of financial statement analysis that shows each item on a statement as a percentage of a base figure within the statement.</p>\n<p>To conduct a vertical analysis of balance sheet, the total of assets and the total of liabilities and stockholders’ equity are generally used as base figures. All individual assets (or groups of assets if condensed form balance sheet is used) are shown as a percentage of total assets. The current liabilities, long term debts and equities are shown as a percentage of the total liabilities and stockholders’ equity.</p>\n<p>To conduct a vertical analysis of income statement, sales figure is generally used as the base and all other components of income statement like cost of sales, gross profit, operating expenses, income tax, and net income etc. are shown as a percentage of sales. In a vertical analysis the percentage is computed by using the following formula:</p>\n<p><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/vertical-analysis-formula.png\" width=\"282\" height=\"50\"/></p>\n<p>A basic vertical analysis needs an individual statement for a reporting period but comparative statements may be prepared to increase the usefulness of the analysis.</p>\n<p>Example:</p>\n<p><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/vertical-analysis-bs.png\" width=\"494\" height=\"538\"/></p>\n<p><em>Current assets:2008: (550,000 / 1,139,500) × 100 = 48.3%<br>\n2007: (530,000 / 1,230,500) × 100 = 43.3%</em></p>\n<p><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/vertical-analysis-is.png\" width=\"483\" height=\"520\"/></p>\n<p>Cost of goods sold:2008: (1,043,000/1,498,000) × 100 = 69.6%<br>\n2007: (820,000/1200,000)&nbsp;× 100 = 68.3%</p>\n<p>Vertical analysis states financial statements in a comparable common-size format (percentage form). One of the advantages of common-size analysis is that it can be used for inter-company comparison of enterprises with different sizes because all items are expressed as a percentage of some common number. For example, suppose company A and company B belong to same industry. A is a small company and B is a large company. Company A’s sales and gross profit are $100,000 and $30,000 respectively whereas company B’s sales and gross profit are $1,000,000 and $300,000 respectively. If vertical analysis is conducted and sales figure is used as base, it would show a gross profit percentage of 30% for both the companies.</p>\n<p><br></p>\n</html>",
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      "title": "Horizontal Analysis of Financial Statemts",
      "body": "<html>\n<p><strong>Horizontal analysis</strong> (also known as <em>trend analysis</em>) is a financial statement analysis technique that shows changes in the amounts of corresponding financial statement items over a period of time. It is a useful tool to evaluate the trend situations.The statements for two or more periods are used in horizontal analysis. The earliest period is usually used as the base period and the items on the statements for all later periods are compared with items on the statements of the base period. The changes are generally shown both in dollars and percentage.Dollar and percentage changes are computed by using the following <em>formulas</em>:</p>\n<p><img src=\"http://tinypic.com/r/24lv248/9\"/><img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-formula.png\" width=\"440\" height=\"75\"/></p>\n<p>Horizontal analysis may be conducted for balance sheet, income statement, schedules of current and fixed assets and statement of retained earnings.</p>\n<p>Example:<br>\n<img src=\"https://www.accountingformanagement.org/wp-content/uploads/2012/11/horizontal-analysis-bs2.png\" width=\"511\" height=\"544\"/></p>\n<p><br></p>\n</html>",
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      "body": "@@ -1413,106 +1413,346 @@\n e.%0A%0A\n-Positive yield curves expand the economy while inverted and flat yield curves shrink the economy. \n+One of the reasons why a Yield curve would invert is if there is a feeling that the borrowers are more likely to be able to pay a debt in 10 years than they are in 2 years the yield for the 2 year bond will be higher than the 10 year bond.%0AThis can obviously be closely related to growth of the economy, but it is not a 100%25 relationship.\n %0A%0A!%5B\n",
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      "body": "The Yield curve is, a curve on a graph in which the yield of fixed-interest securities(such as bonds) is plotted against the length of time they have to run to maturity. \n\nThe most important yield curve that investors need to pay attention to when they want to get a picture of how the economy  is  going, is treasury bond yield curve(Bank of England in UK).\nSince bonds are a mechanism in which the governments borrow money from private companies and individuals, the government bond or treasury(a.k.a gilt in the UK) yield curve can be a way of observing what is the countries economical situation.\n\nIn simple terms a Yield curve represents the return of investment over time from giving your money to the government. It is important to notice that people invest in governments via the bonds market because the government always pays back.\n\nWhen in the long term the market pays a higher interest rate we will see a sloped up/normal yield curve. The longer the time to maturity the higher the risk, therefore the yield is higher. This is considered a normal behaviour of the market. \n\nBut sometimes, when the government thinks that the economy is approaching a bubble or a recession and wants to prevent it, it will decide to pay less to the investor for the long term bond, therefore it will reduce the interest rates on the long term bond. In this situation we will see either a flat or an inverse yield curve.\n\nPositive yield curves expand the economy while inverted and flat yield curves shrink the economy. \n\n![yield.jpg](https://cdn.steemitimages.com/DQmd8w5XyBRLRF8nhd2wLyPivA6dgRW6eKvKsDdEdx7erTS/yield.jpg)\n\n\nWhere to find information about current Yield curves:\nBank of England(UK)https://www.bankofengland.co.uk/statistics/yield-curves\nTreasury(USA) https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield\n\nOther sources\nhttps://markets.ft.com/data/bonds\nhttps://kbsonigara.wordpress.com/tag/humped-yield-curve/",
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