Apple Valley Chamber of Commerce on LinkedIn: It was a beautiful morning for the Chamber and City of Apple Valley, MN to… (2024)

What we learned this week:𝗡𝗮𝘃𝗶𝗴𝗮𝘁𝗶𝗻𝗴 𝗔𝗽𝗽𝗹𝗲'𝘀 𝗦𝘁𝗼𝗰𝗸 𝗖𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀: Why long-term investors should stay the course.𝗟𝗶𝗻𝗴𝗲𝗿𝗶𝗻𝗴 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘁𝗼𝗿 𝗦𝘁𝗿𝗮𝗶𝗻: New York City Bancorp's crisis reflects ongoing monetary policy pressures.𝗙𝗼𝗹𝗹𝗼𝘄𝗶𝗻𝗴 𝘁𝗵𝗲 𝗣𝗿𝗶𝗺𝗲 𝗣𝗮𝘁𝗵: Target Joins the Paid Membership Trend. Is the Market Overcrowding?𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝘁𝘆 𝗥𝗲𝘁𝗮𝗶𝗹: Importance of defining your value proposition in a high-stakes environment.If you’re interested in understanding how market/economic events influence our investment strategy, contact us at info@copperridgecap.com.#investing #economy #apple #wealthmanagement #nycb #amazon #targethttps://wix.to/ucnNv9I

5

Apple fell 3% on Tuesday after Barclays downgraded the shares of the world’s most valuable firm on concerns that demand for its devices from the iPhone to Mac will remain weak in 2024. The Daily Morning Note is a round-up of local and global business headlines that you need to know to get ahead of your day.#PYTCH#PYTCHMedia#PhillipCapital#YourPartnerinFinance#Servingyousince1975#DailyMorningNote#DMN#DailyNews#FinanceNews#USNews#SGNews#StockMarket#WallStreet #StockMarketUpdate #WallStreetEstimates #TechIndustryNews #Tech

1

Embedded finance presents a unique opportunity for banks, tech companies, and end consumers to benefit from the integration of data, driving innovation and value creation across the ecosystem. End consumers ultimately benefit from a data-driven embedded finance model that provides personalised financial solutions, increased convenience, and seamless experiences. The added value is clear - access to a range of financial services within familiar apps empowers customers to make informed decisions and manage their finances effectively.Embedded finance presents a unique opportunity for banks, tech companies, and end consumers to benefit from the integration of data, driving innovation and value creation across the ecosystem. In May 2023 headlines such as - Apple’s New Savings Account Draws Nearly $1 Billion In Deposits In First Four Days were hard to ignore because this is remarkable for a non-bank and displaying the power of a strong brand and a flawless customer experience. Another headline Apple’s savings account is entering a fierce competition amongst financial institutions to attract and retain deposits following a cascade of bank failures : Essentially capitalising on bank's failures https://lnkd.in/dXkmJgkG Apple is a remarkable organisation that has been consistent in execution across multiple fronts and this is to be applauded. Besides their success in implementing financial services the video below is another brilliant execution telling their ESG story and plays on GenZ & millennials who follow brands that are environmentally conscious.

35

I don’t ever post here but had something happen that was a reminder of what should be at the core of what I do everyday. Had a woman come in for chargers and I of course used the sales process and ALU and got in to the account for eligibility. Worked to re rate her but she was afraid of me touching anything and told me last September the another location(town about 20 min away) had contacted her and said her husband could get a free iPhone so she went in and did so. But the promo never attached and she had gone in a dozen times to get fixed only for the manager to say "It's gone and there's nothing we can do sorry we also can't return it" So I asked if I could maybe just try to get that promo for her no promises. Well with about 8 minutes of research and effort I submitted a VSL for that location and what do you know it got approved with full back credits as well and with that maybe earned a guest for life. There's nothing fantastic about what I did just work and effort. If we aren't doing the same AND MORE for our existing guests we are doing it wrong. It isn't always about the sale though that's the goal. It's about the investment to doing the right thing with the understanding maybe it'll come back maybe not but that's not the point the point is be the helper, be the one who does the right thing regardless of reward. The sales will come when we put in the work and do what's right #vnation #integrity

11

2 Comments

What’s a Will and why do you need one if you live in the Big Apple? A Last Will and Testament is a written document explaining how a person wants their property and assets distributed when they dieFollow along with FastWill and learn more about how to make a Will in New York State.Click this link to read the full article on our learn Page! https://lnkd.in/eTbtpBqK

It seems that Goldman Sachs is not the only one having problems with Apple. Hyundai Motor Company (현대자동차) is reporting a loss of $1.72 millions in his partnership with Apple Pay.Just a couple of days ago we were discussing the #fintech partnership between Apple and Goldman, with the bank hoping for a way out of a deal costing them more than $1 billion per year.Now it seems that there is a common pattern in the credit card industry when it's coming to mobile payment solutions like Apple Pay. In simple words: those solutions are widely used and very useful for final users, but it remains very complex for corporate to provide them in a sustainable way from a financial perspective in the long term.#Hyundai rolled out Apple Pay in March, reaching very quickly more than 200,000 new customers. But that number started to decline likewise, dropping to 120,000 in July. More concerning, is the fact that every transaction was costing Hyundai a 0.15 percent fee to Apple. Quite high for a credit card feature, mostly compared to other countries. This, among other reasons, led to a loss of $1.72 millions since March.Now, probably South Korea, the home country of Samsung Electronics, is not the best market to launch an Apple feature, but the topic still remains. Why is so difficult to build a business model around credit cards on mobile?The news on BusinessKorea in the first comment.Want to stay up to date with the market? Here my newsletter:- Linkedin: https://t.ly/PMstO- Substack: https://lnkd.in/dzfGJzmW

11

1 Comment

What is the real difference between Samsung and Apple?One focuses on solving problems and one on creating real value. What would you rather focus on, building wealth or getting out of debt? So start focusing on the life you want to create, the end results you want to achieve, take action every day to achieve it and you will start to see your life shift.Message me to find out more.

1

1 Comment

What's New to The Street...📱🔧 AT&T has resolved a nationwide issue that temporarily impacted some customers' ability to complete calls with other cellphone carriers. Are you back online? Let us know if you're still experiencing any issues! 📞👍 `👉🏻Follow New To The Street for more!#ATT #CustomerService #NetworkUpdate #TechNews #businessnews #business #news #newtothestreet

1

Apple and Goldman Sachs' 𝗱𝗶𝘃𝗼𝗿𝗰𝗲. American Express could be a new Apple partner to provide financial services. It shows the growing role of the ecosystems. Apple provides so much value for their customers, that it stuck to the brand across all business units. having such a level of loyalty, LTV, and product excellence, Apple can buy some banks to build a strong business vertical. The same cases can be seen in Kazakhstan with Kaspi, and in Russia with Wildberries. B2C financial services and retail are better in the one ecosystem. #apple #kaspi #americanexpress

1

1 Comment

Below you'll find a time series of Apple's revenue, income, and return on invested capital (ROIC) on an annual basis. A key component of Apple's growth story is it's value generation through it's productive use of capital.More recently, their ROIC has increased more than 50%. To put that into context, Apple has converted every $1 in capital (funding provided through debt and/or equity) into $1.5, or $0.5 in operating profit.

6