EaseUS also provide an economic cloud backup service for a limited budget.Ĭlone a hard drive with EaseUS Todo Backup makes an exact copy of any disk or partition. Multi-path, Cloud Storage Provided - Backup to network shared location, USB Drive or different Clouds.Files Backup and Recovery - Back up files on separate partitions on local drives or back up to external storage devices for full-scale protection.System Backup and Recovery - Backup systems, boot partitions and program files to have an easy, efficient, secure way to restore your system.Disk/Partition Backup and Recovery - Back up all data and settings of a partition or all partitions(disk) to get absolute peace of mind when data is corrupted.Make sure your data is protected all the time. EaseUS Todo Backup makes it a snap to keep your system's complete image file backup or critical file backup. Efficient & Secure Backup and Recoveryĭata loss can happen at any time caused by computer malfunction or virus. Award-winning Backup Solutions to Realize All-round Protection. App Size:ĮaseUS Todo Backup 2023 Build 20230608 + Keygen.zip | Mirror | Mirrors Older VersionĮaseUS Todo Backup Home 2023 Build 20230112 + Keygen.zip | Mirror | MirrorsĮaseUS Todo Backup Home 2022 Build 20220916 + Keygen.zip | Mirror | MirrorsĮaseUS Todo Backup Home 2022 Build 20220916 + Keygen Only.zip | Mirror | MirrorsĮaseUS Todo Backup Home 2022 Build 20220916 WinPE.zip | Mirror | MirrorsĮaseUS Todo Backup Home 2022 Build 20220817 + Keygen.zip | Mirror | MirrorsĮaseUS Todo Backup Home 2022 Build 20220817 Keygen Only.zip | Mirror | MirrorsĮaseUS Todo Backup Home 2022 Build 20220817 WinPE.EaseUS Todo Backup, Keep Safe with Upgraded Windows Backup Strategy. Virustotal results are attached within the table for both the installer and the keygen. Right click on “Block Host” and click “Run as administrator”īelow are the details about EaseUS Todo Backup Home.Close app and run keygen, then select edition you want and click “Activate” button.Disable internet connection and install the program (use given setup).Added: judgment and prompt for invalid parameter of OptionsĮaseUS Todo Backup Home Screenshots How to use Keygen of EaseUS Todo Backup Home?įollow the below instructions to activate your version of EaseUS Todo Backup Home.Added: delete backup files on the web page of the cloud service.Fixed: focus setting of the program main interface.Fixed: backup failure caused by network error when backing up to Dropbox.Improved animation to reduce resource occupation.Improved the style of backup source and destination.Optimized the guide when creating a backup.Optimized the display style of backup task card information.Clone to create a bootable system drive, get the system back to work in an emergency, and avoid any downtime.ĮaseUS Todo Backup Home System Requirementsīelow are the minimum system requirements for running the EaseUS Todo Backup Home Processor:īelow is the list of changes made to the current version of EaseUS Todo Backup Home.Cloning features in EaseUS backup software makes it easy for you to migrate system to a new disk and upgrade your current system.System clone is to duplicate your operating system to another hard drive, USB, or other storage media. No extra steps required.Ī convenient way to store your files off-site, where they are safe from local damage. Just choose your files/folders, save the backup task, and realize file protection. Store backups to anywhere, hard drive, an external device, FTP server, network share, NAS, CD/DVD, or OneDrive, Google Drive, and Dropbox.ĮaseUS believes that you will never try to back up until it’s just as easy as a few clicks away. EaseUS Todo Backup is a reliable data backup software for home users, backing up and restoring files fast on a Windows-based computer.Įasily run an automated backup on your directories & files, compress file images to save space, and encrypt files to protect privacy.īack up Windows system along with user settings, create a bootable backup, restore your system quickly once it crashes.īack up disk/partition at a block level, while data stored on it is ever-increasing and updated. To protect data, regular backup makes sense. It not only provides convenient user-interface to simplify your tasks but also enables you to backup and restore an image of your partitions or entire hard disk.
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After adjusting the focus to suit your projection surface, you'll see 60,000 stars - many more than its competitors. One could even argue it's the best galaxy projector due to its accuracy. It is more of a home, scientific planetarium than a simple star projector. We found that the Homestar Flux's multilevel glass lenses produce realistic-looking night skies from the comfort of your home and are plenty bright, even for rooms that aren't completely black. However, it is also one of the most expensive, with the ambition to match. The Sega Toys Homestar Flux, a compact star projector in satin black, is one of the most powerful and sleek star projectors on the market. On a tight budget? We think the Astronaut Starry Sky Star Projector is the best budget star projector in our guide. In this buying guide, we’ve tested, reviewed and ranked a range of models at various price points, with different features, styles, and accuracy levels so you can choose the perfect one for you. Of course, this variation means that there is a significant difference in price between different star projectors. On the other hand, you can get highly scientifically accurate star projectors which enable you to visualize the sky as if you were inside a planetarium. Some models are destined to be used as night lights for children and are thus more simple these tend to be less realistic and more focused on providing agreeable ambient lighting than others. Whether you’re hosting a space-themed party, learning about the cosmos or simply looking for a way to help you fall asleep, star projectors can do it all.Īs they have a variety of uses, star projectors come in many shapes, specs and sizes. The best star projectors can either be used as home planetariums, projecting realistic night skies and galaxies indoors, or they can serve as soft, glowy night lights for adults or children.ĭepending on the model you choose, star projectors can recreate the night sky accurately from the comfort of your own home, surrounding you with stars, constellations and double as galaxy projectors. If you're into lasers and space-themed lighting, make sure not to miss our guide on the best star projectors if you're looking to dazzle guests (or yourself) by bringing the night sky into the comfort of your home.įollow Brett on Twitter at. While perfect for the space fan looking to bring the atmosphere of deep space indoors, the BlissLights Sky Lite 2.0 would also be ideal for anyone looking for a unique, eye-catching background for their livestreams, Zoom meetings, or even just to create a spacey mood for their next gathering. A USB plug adapter means the BlissLights Sky Lite 2.0 projector can be powered just about anywhere: Pair it with a USB battery pack and you could even have a portable star project. The entire unit comes on a tilting base and measures just 6.5圆.5x2.5 inches (16x16圆 centimeters). This projector can cover a 30-foot (10 meter) square with its laser star patterns, while the nebula-like colored lights cover a 15-foot (5 meter) square. Using Bluetooth, users can connect a mobile device and access controls that access deeper functionality including the ability to create custom presets. The BlissLights Sky Lite 2.0 projector features RGB LEDs that can create a wide range of colors and can be controlled either with simple button controls on the projector or via an app. Deleting vs Deactivating Facebook Deactivating your account just makes it. Yes, it’s strange but Facebook works this way and we can’t do anything. If you’d like to keep using Messenger and other services, you can deactivate your account rather than delete it. To do this, you will need to go to the Privacy Settings and Tools menu on Facebook. Can I hide my Facebook account without deactivating it Yes, you can hide your Facebook account without deactivating it. To temporarily deactivate your account on the website, log in and click on your profile photo. Keep in mind that while your account is deactivated, you won’t be able to use Facebook Messenger. Once you are logged in, click on the Messenger icon located at the top-right corner of the Facebook homepage. Key Takeaway: Temporarily deactivating your Facebook account can provide many benefits, such as reducing distractions, protecting privacy, and allowing time to focus on other important activities. Log in to your Facebook account using your username and password. Open a web browser on your computer and visit the Facebook website. When you feel your holidays are over and it’s time to go back to the world, just log in to your account and start using like before.Īlso, remember if you will login into your Messenger, your Facebook account will also be activated. How to Deactivate Facebook Messenger on PC Next Section. It just makes your account inactive so that you won’t be able to send or receive messages. Here, you should know that your messages won’t be deleted on deactivating the Messenger. This again proves that Facebook doesn’t want us to stay away from their platform.Īlso Read: How to Activate Hidden Dark Mode in Facebook Messenger You can deactivate your Facebook account and keep using Messenger. Select Deactivate Messenger, and tap the Deactivate option again. Then, tap your profile picture and select Legal & Policies. Launch the Messenger app, and go to Chats. It’s at the top-right corner of Facebook. If you don’t do that, the option to deactivate Messenger won’t be available. If you’re not already signed in to your Facebook account, sign in now. However, if you have Messenger linked to your Facebook account, deactivating your Facebook account will also deactivate Messenger. I don’t know any app that has a deactivation option in the policies section. Part 1 Deactivating Facebook 1 Go to in a web browser. Messenger is a separate app from Facebook and does not require an active Facebook account to use. Finally, top on Deactivate Messenger option and that’s it. Now scroll down and tap on Legal and Policies section.ģ. Next, open Facebook messenger app, tap on your profile picture present at the top-left. If you have already deactivated, skip this step.Ģ. First of all, Deactivate your Facebook account either from the website or app. I don't think that we'll be back unless we want take-out. What Thats crazy talk Such a filling hot quick lunch for hardly any. All I can say is that, for a restaurant in a nice neighborhood and a pretty regular clientele, they have really dropped the ball with regards to cleanliness in the one area that should be the cleanest, which then made me wonder about the rest of the place. Tsing Tao: Just average food - Id hoped for something more - See 39 traveler reviews, candid photos, and great deals for Wilmette, IL, at Tripadvisor. The lunch specials are crazy inexpensive Choice of egg roll or wonton, choice of soup, fried rice and lunch entree 6.95. The vent fan cover was caked in dust, and you heard a rather steady dripping noise coming from somewhere nearby. Johns Lutheran Church Wilmette, IL in Wilmette with all reviews and. The room was very damp, with traces of rust on just about everything from the floor tile (which was rotting away in the corners). Tsing tao mandarin chinese wilmette, Palestre torino assarotti, Tawog season 4 episode 17, Trilateration applet, Toddla t channel 4, Bhisama mp3 song. So, we weren't impressed, but then I went to visit their rest rooms and, quite frankly, I was appalled. The cashew shrimp were in a rather sweet plum sauce, the egg foo was rather meager and a little tough and the green beans, which are supposed to pack a little punch, were rather limp and watery, without much (if any) heat. The egg rolls were a little better-than-average, the hot sour soup was good (with the heat more from pepper than from vinegar) but, after those items, the rest were just OK. Akai Hana Japanese Restaurant, Covito Caf and Market, Caf Fleuette, Tsing Tao Mandarin Chinese, Rock House, The Bottle Shop, and Wilmette Wine Cellar. We had an appointment in downtown Wilmette and so, craving a good basic Chinese meal nearby, we thought we'd visit Tsing Tao.įirst, let me say that the service was quite good, friendly and attentive, and we'd ordered a meal consisting of "the basics" - egg roll, hot sour soup and a couple of entrees (veggie egg foo yung and cashew shrimp) along with a szechuan green bean plate, so our expectations were not that high (i.e., we didn't order anything super-authentic, except for perhaps the green beans). About Tsing Tao: Established in 1979, Tsing Tao is located at 537 Green Bay Rd in Wilmette, IL - Cook County and is a business listed in the categories Restaurants/Food & Dining, Restaurants, Eating Places, Full-Service Restaurants and Limited-Service Restaurants and offers Catering, Dinner, Supper, Appetizers, Beef, Beer, Chicken, Crab, Duck, Oysters, Pork, Rice, Scallops etc. There's been a Chinese restaurant in this space for ages, and since moving back to the area, my wife and I have wanted to re-acquaint ourselves with the food scene, we thought that we'd revisit a place that we remembered from our childhoods in the. Asian Restaurants for Lunch in Wilmette.American Restaurants for Breakfast in Wilmette. Baker Mayfield, QB, Browns : Might return from messy shoulder, but you should look elsewhere regardless.Ħ5. Walker early in this one, but who is still relying on Darnold? Other than Carolina, of course.Ħ3. Sam Darnold, QB, Panthers : Could easily be P.J. Damien Harris, RB, Patriots : Can make it three 100-yard rushing games in a row against the Chargers, who by the way, are not what most think defensively.Ħ2. Make sure he returns to action this week, though.ĥ9. Antonio Brown, WR, Buccaneers : He leads Bucs WRs in PPR points per game, so perhaps it is time we rank him that way. DK Metcalf, WR, Seahawks : Made one big play on Monday to salvage statistical game, but overall he really, really needs Russell Wilson back.ĥ5. This version will fall short, though he is a reasonable QB2 for Eagles matchup.ĥ4. Jared Goff, QB, Lions : Hard to believe Goff twice threw for more than 4,600 yards. Terry McLaurin, WR, Washington : Perhaps someday he will have a QB1 to play with. Leonard Fournette, RB, Buccaneers : Tough matchup at Saints, but he is barely sharing touches. Key week versus Panthers for his fantasy value.Ĥ5. Calvin Ridley, WR, Falcons : Everyone pegged him for WR1 status and he has not delivered. Notice he passed his ballyhooed teammate Ridley in these rankings. Cordarrelle Patterson, RB, Falcons : OK, I am convinced he is a safe RB2 now. Brown, WR, Titans : Back on track in wins over Bills and Chiefs. Joe Mixon, RB, Bengals : He has RB1 numbers, though pedestrian receiving numbers are a worry. Trevor Lawrence, QB, Jaguars : Comes off bye week with fewer points than 25 QBs. Overall numbers look much like Daniel Jones, which is just fine.ģ3. Taylor Heinicke, QB, Washington : He ran for 95 yards last week and topped 20 PPR points for the fourth time. Aaron Rodgers, QB, Packers : Watch him throw for 300 yards even sans his top receiver.ģ2. Ryan Tannehill, QB, Titans : Titans are winning, but their QB still has not reached 20 points since Week 3.Ģ9. Aaron Jones, RB, Packers : We presume Davante Adams is out, so perhaps the Packers let Jones top 20 touches.Ģ8. Browns have such ample running back depth.Ģ7. Nick Chubb, RB, Browns : Expected to return from calf injury this week, but no word yet on what kind of workload he gets. Darrell Henderson Jr., RB, Rams : Not to jinx him, but only one missed game and now comes a great matchup versus Texans. Ja'Marr Chase, WR, Bengals : On pace for around 7 million receiving yards. Joe Burrow, QB, Bengals : Just annihilated the Ravens defense, so no matchup should scare you. Jones should get numbers against sputtering Chiefs defense.ġ8. Najee Harris, RB, Steelers : More than 20 PPR points in four consecutive and even at Cleveland, with his volume, he is safe.ġ7. The interceptions do not go on his ledger.ġ5. Tyreek Hill, WR, Chiefs : Still nothing to worry about here. Seriously, trade for him if still possible. D'Andre Swift, RB, Lions : The next Kamara. Jalen Hurts, QB, Eagles : Cannot recall another player whose fantasy and real-life performance were so vastly different. But no other Saints are fantasy-relevant.ĩ. Alvin Kamara, RB, Saints : No decreased anything for him in Week 7. We were so excited about this until recently.ħ. Something to watch is his decreased passing game usage. Derrick Henry, RB, Titans : Comes off worst game since Week 1. That noted, Mahomes is fifth in QB scoring. Patrick Mahomes, QB, Chiefs : Nobody has more interceptions. Packers matchup is tough, but you cannot sit him.ĥ. 3 QB scorer but a mere 10th in rushing yards at the position. Would have gotten pretty great odds on this one back in August.ģ. Josh Allen, QB, Bills : Leads all quarterbacks in fantasy points per contest and this week, he plays Miami. Follow our projections and myriad words online and in videos to help in roster decisions, but just trust your gut, too. Only two teams are on a bye this week (Ravens, Raiders). Welcome to Week 8 and the latest edition of the fantasy football superflex rankings, as we combine the best of the quarterbacks, running backs, wide receivers and tight ends into one tidy package of 150 names to aid in your decision-making. You have reached a degraded version of because you're using an unsupported version of Internet Explorer.įor a complete experience, please upgrade or use a supported browserįantasy football flex and superflex rankings for Week 8 Adjust the focus of your images, change the image sizes and ratios, or even bend the perspective as you give it different feels to look at. Have access to the various properties on your photos and use the intuitive sliders to effectively adjust and customize them to easily adapt with certain themes.Īlso, have access to all the common and effective tools that will let you create super clean and realistic shots. That being said, the awesome retouch options in Adobe Lightroom will allow users to breathe new life into their photos and make them stand out from other normally taken photos. Feel free to tap and drag the sliders to customize the lighting, coloring, and add all kinds of different visual effects to the photos in just a few seconds. Get your raw photo-ready and start to get into the simple yet effective editing options in Adobe Lightroom. Here, you can enjoy absolute portable editing experiences. Make uses of the portable editor to retouch your photo anywhereĪnd for those of you who’re interested, you can also find yourself enjoying the awesome mobile editor app that lets you adjust and customize your images whenever and wherever you want. Also, the app will let your export your images at HDR and RAW, which makes it a lot easier for later editing. Here, you can easily capture your photos and enhance the visual experiences with many interesting control options.Įnjoy the intuitive interfaces and gesture commands as you effectively change the focus, brightness, exposure, timer, and a lot of advanced photography features in the app. To start with, Android users in Adobe Lightroom will find themselves having access to an amazing built-in camera with many of its professional features. Here are all the amazing features that the app has to offer: Capture amazing photos with professional-level cameras Thus, making the final retouch in the app a lot less taxing. However, you might want to go for a device with decent camera setups, which would allow it to capture the most out of your footages. And with the simple and well-optimized editing options, Adobe Lightroom will offer enjoyable and accessible experiences for most of your Android devices. Feel free to take multiple pictures in various conditions using the built-in camera or your devices’ camera app. To make uses of the app, you only need a working Android device with its camera ready to be used. Hence, this awesome photo editor will offer you the incredible experiences that are unmatched by any other competitors. On top of that, with Adobe Lightroom available on your mobile devices, you can even discover the advanced features that are only available in the PC version of the app. You don’t need to be a pro to become proficient in this amazing app. The mobile adaptation of the famous Adobe photo editing app will offer simple and accessible features for all users to effectively use it. Here, users will find themselves being able to dive into awesome options and features that would let you capture amazing images and videos.Īnd as soon as the picture was taken, you can also make uses of the built-in design features in Adobe Lightroom to effectively customize and edit your images to how you wanted. What does it do?Īs you could have guessed, Adobe Lightroom is a capable photo editing app for your Android devices. Or alternatively, go for a simple yet extremely approachable option that will results in amazing pics in just a few taps.įind out more about the awesome app of Adobe Lightroom with our reviews. Make all kinds of different changes to the coloring, values, compositions, visual effects, resolutions, and many aspects of the images that you want. That being said, by combining both the powerful camera and the amazing photo editor options in their new app, Adobe Lightroom will introduce Android users to the most satisfying experiences with their captured footages.įeel free to have fun with your amazing photos that were easily captured and brilliantly edited with this awesome app from Adobe. Discover the ultimate editing tool for photographers and creatives.įor those of you who’re interested in taking images with your Android devices, the need of having your own photo editor app is always present. Hardware-demanding app for professional usersĪdobe Lightroom is the all-in-one app for all your photo editing needs.Share and access your photos with many others.Enjoy smart organizations with Adobe Sensei. Have fun with many effective presets and filters.Enjoy the advanced editor with amazing features.Make uses of the portable editor to retouch your photo anywhere.Capture amazing photos with professional-level cameras. Other variations: Walk the tape line heel-to-toe or try jumping down the line (both feet still on!) Tape Maze This is one of those physical games for kindergarten readiness that is easy to practice.īackwards: Switch up the challenge by having the child walk the tape line backwards or with eyes closed (socks off so they can feel the line). Challenge your child to follow the line all the way to end.Īngles: Try taping down further lines at different angles. Using painter’s tape (go gentle on flooring), tape down a line of any length, and test. This is a more easily set up indoor game than you might think. – TAPE GAMES – Tape is an inexpensive addition to your indoor games collection Balance Beam We offer some fun interactive games for kids that can be played together: Websites That Make Screen Time, Family Time. Not all indoor games for kids have to be screen free. Or, say things like “I Spy something that is a circle.” The difficulty is easily changed by what you are actually spying (smaller or less obvious things) and how you describe what is spied (bumpy or soft things, for example). Variations: Limit the number of guesses each child gets. If there are multiple children then they can take turns looking around and guessing. For a child who has never played, you can start by picking out a secret object in plain view and say, “I Spy something blue” and see if the kid can guess it correctly. I Spy and its variations are wonderful sensory games and activities for young kids to get to know the world around them. Blowing very slowly, a single bubble will start to grow! Can you blow a giant bubble? How long can you hold it for? I Spy Each child then puts the end of the straw straight up and down into the suds so that a layer of soap forms over the end of the straw. Get a plate and straw for each child and put a coin-sized drop of dish soap on it. We typically think of bubbles as an outdoor activity this version can be played indoors. Or enforce an order that they must retrieve them in – first red, then blue, then yellow, then repeat. More variations: You can make it into a full on game by timing how fast kids can find 5 objects of each type. (LEGO Duplos work well.)Īdvanced: Sort by the texture of a surface or type of object, for instance wooden vs plastic vs metal. Try taping down pieces of colored construction paper, then gather objects to match. Start by creating “bins”, which can be as simple as using tape on a level surface.Ĭolors: For younger kids, using colors is the easiest way to start a sorting activity. When a child plays a sorting game, they are analyzing objects, describing and comparing them and engaging in critical thinking. This is another indoor activity for kindergarten readiness that you can easily pull together. Encourage questions and offer clues as needed. Place an item in each box and have your kids take turns guessing what the items are. Making the boxes is part of the fun – have the kids decorate them, just make sure to cut out a child-sized hand hole on the side of the box beforehand. Shoe boxes work well as they can be easily cut with scissors and do not let light through. Start by putting interesting objects into containers that a child must reach into and identify by touch. Train their minds to associate information other than just how the object looks. This is a great indoor game for kids to get them to focus on the sense of touch in a world so focused on the sense of sight. – SENSORY & SORTING FUN GAMES – Sensory play encourages the development of motor skills in children Touch-and-Feel Boxes (This works best with only two children playing for safety reasons.) Fly swatters, plastic spatulas or a wooden spoon could work well for the tennis game, but they aren’t absolutely necessary. String up a divider as a net and see how many times they can volley the balloon over the net without it touching the ground. This may be the most absurdly simple of all the indoor games with friends – blow up some balloons, tell the kids to keep the balloons from touching the floor, and get the party started! Admittedly this can be one of those games that can get a little rambunctious indoors, so move the breakables out of the way. – BALLOON GAMES – Balloons are fun for all ages Keep the Balloon Up It’s also highly-attractive, and the developers show thoughtful use of Google’s Android design suggestions. You can install it on multiple devices and they are kept synchronised. Pocket Casts is the best podcast app for Android. The Android 4.3 launcher conveniently had a dedicated Play Store icon in the top-right of the app drawer, but that’s gone in Android 4.4, hence its presence on my Home screen. I love using the latest versions of apps, so much so that the automatic background update process is just not fast enough for me. I have the Google Play Store icon on my Home screen. I can also tap it to open Google Calendar, so there’s no loss of functionality. It uses quadruple the space, but it shows my most immediate appointments at a glance. Launcher icon on my Home screen, I have it’s 2-by-2 widget instead. This app is extensible, so other art packs can be added by third-parties. Each day, a random famous work of art graces the background. My wallpaper is provided via the Muzei Live WallpaperĪpp. This obviously hurts me more than it hurts them, but I have principles and I like my icons to be consistent with Google’s suggestions. If an app developer can’t produce an attractive icon for Android, then they don’t make it to this screen. Notice that none of the apps on this screen have icons recycled from iOS. Home Screen This is my primary Home screen page thing Here it is again, with the Social folder expanded It’s worth a look if you have Android 4.4 and aren’t in love with your current camera app. Which is the stock camera app for Nexus devices. To make selected notifications more glance-friendly.Īlso, a swipe from the right-edge will bring up Google Camera, To add current battery information, and DashNotifier for DashClock This widget is, itself, extensible with additional plugins. I’ve replaced the default Clock widget with DashClock. As such, the lock screen must be set to prompt for a PIN or a password, there is no way to enable the face-unlock, pattern or swipe-to-unlock prompts with this security feature enabled.Īndroid 4.4 allows custom widgets on the lock screen. I feel strongly about enabling Android’s full-device encryption feature, although there’s some debate over its value. Lock Screen This is what I see when I first wake my phone up I can swipe downwards from the clock to minimise the PIN prompt It’s running Android 4.4.2 as I write this, but my fingers are crossed for a firmware update to fix this battery-hogging camera bug. My current phone of choice is the Google Nexus 5. Which ones enjoy prime real estate? My Phone This is a quick guide to the most visible apps on my phone. My Android Home Screen and my Lock Screen, too Client assets? over $758B, which includes so-called wrap assets, which is a finance term for accounts where a "wrapped" sort of fee/fees cover all the management/brokerage/admin expenses for an account, a fairly popular solution. And this relatively new, in its current iteration, segment, is delivering superb results after superb results. It combines wealth and asset management into an appealing structure where WM drives over 85% of the company's revenue - this is important, as Wealth management is far less cyclical than Asset management, as it depends on very long-term deep client relationships that can tolerate downturns and upsides alike.Īsset persistency is a keyword you want to remember when you look at Ameriprise Financial, and its ability to across market cycle capture not only assets but appealing fees.įrom 2012 and up to 2012, the mix has changed from 44% RIS to 21% Retirement and protection, to be over 57% pre-tax Wealth management & advice earnings. It's high-level, but at the same time, can work with small accounts and customers. It's diversified, but at the same time, fully integrated. The company in its current iteration splits between two segments, as follows. In that same time, AMP has returned over $21B to shareholders, and works with a 48.1% RoE, excluding AOCI - those are some absolutely superb numbers. Let's begin with some high-level and longer-term ones to give you a feel for why I'm generally "always" positive about this company's prospects. While it may look in the short term that you're getting a deal, that may not be so sure. At the current share price, the company is still 324% above its 10-year high and only 12.78% below its high. Even with my negative view of the company in my last article, AMP's ability to consistently grow its revenues and profits over time has never been in question.īut the core for my investing is always What price am I paying, and what am I getting? Furthermore, AMP has very consistent historical growth. Rowe ( TROW), and others, even including Swiss banks such as Julius Baer. This includes peers like BlackRock ( BLK), Blackstone ( BX), Investor ( OTCPK:IVSXF), T. How do I know this?īecause Ameriprise Financial, in terms of the ever-important Return on Equity, is at the 98th percentile in terms of asset management companies. Its history is short - prior to 2005, it was actually, believe it or not, a division of American Express ( AXP) but was spun off at this point to become its own entity.Īnd this journey has gone really quite excellent. The lion's share of the company's profitable operations is centered around wealth management. It's also one of the largest broker-dealers based on AUM, and this set of offerings included, when I started writing on AMP, wealth management, asset management, insurance annuities, and estate planning. It's one of the Fortune-500 companies, and the largest banks and finance companies across the United States, as well as the world. Updating on Ameriprise Financial - The results were good, let's look forward to the valuation So, with that out of the way - let's get back into it. Why?īecause Ameriprise Financial is down 12.08% since the time, with the S&P essentially flat. This was exactly the right choice to make at the time. My recent article detailed why I considered AMP a hold. Hence, why I am an active manager of my investments - not a "Buy and Hold" forever investor. the capital I've invested since selling has multiplied even more than the variance between my RoR and the RoR you see above. Seeking Alpha article (Seeking Alpha AMP) While the total RoR since my initial COVID-19 article is higher at this time including dividends. When I sold, my RoR for the final portion was over 170% total RoR. The company was in fact one of my original Coronavirus discounts. I've been covering and making money with this company for years. Ameriprise Financial ( NYSE: AMP) is a great company - absolutely no doubt about that, let me assure you. But it’ll be a tricky balancing act to stay true to his right-wing firebrand persona while also trying to reach out to the types of swing voters who nearly sent him packing in 2018. Now, facing an unpredictable cycle that lands in a presidential election year, Cruz is trying to get ahead of those inevitable attacks from Democrats. Lindsey Graham, R-S.C., memorably quipped that someone could kill Cruz on the Senate floor and no senator would vote to convict. Cruz lost independent voters to O'Rourke, according to NBC News exit polls.Ĭruz developed a reputation as a pugnacious partisan in his first year when he spurred a 17-day government shutdown in 2013 that many Republicans wanted to avoid and which failed to dismantle the Affordable Care Act. O’Rourke spent his campaign belittling Cruz as “all talk and no action” - a senator who’d spent six years slinging partisan arrows and delivering nothing for Texas. Tricky balancing actĬruz survived a near-miss in his 2018 campaign, edging out Democratic rival Beto O’Rourke by a mere 2.6 points in the state, a Republican stronghold. “It gives me the ability to fight for 30 million Texans in a way that has real, meaningful impact," he added. Having the responsibility of being the ranking member for the Commerce Committee is enormously beneficial to Texas.” “The Commerce Committee has vast jurisdiction over nearly half the U.S. “I think campaigns should be about issues and substance and results,” Cruz said, sitting in his Russell Senate Building Office, where three of his bills that President Barack Obama signed into law hang on the wall. The panel covers many key industries that have “deep footprints” in Texas, he said, from space and airlines to telecom, tech and energy. As Cruz sees it, his new perch as the ranking member of the Commerce Committee will be a boon for fellow Texans - and, in turn, beneficial for his re-election campaign. |