Taco Bell announced that by the end of 2024 AI in the drive-through lanes at hundreds of locations in the USA 🇺🇸 is to be deployed.
The company, which is part of Yum Brands $YUM (-0,93 %) company is planning to use voice voice AI in its drive-through lanes worldwide - CNBC.
Expenditure/Revenue Recap 2022
Money is what people talk about! #recap2022
In the sense of getquin, which allows us all not only to track our own portfolios, but also to discuss money and investments.
First I want to talk about my income, then about my expenses and be as transparent as possible.
(For tracking I use Finanzguruwhich I use since May)
First my income:
In 2022 I have 55.222,26€ received.
My main source of income is my work in the white collar relationship, there I have 40.464,78€ received (December salary outstanding). The rest came from "rental income" of my girlfriend, tax office, profits (shares, sweepstakes, Ebay) and Co.
The income point is I think but not as interesting as the expenditure point:
My expenses:
In 2022 I have 58.218,25€ spent.
The biggest chunk with 19.334€ lies there with the Living. The rent is always deducted in full from my account, my girlfriend then transfers your part. In total, I / we have paid 9,463 € in rent, and moved in April together. The Deposit from 2.550€ I took over alone (Rheinmetall 7er lever of March runs) and the largest part of the furnishings with 5.686€.
The rest comes from electricity, parking and miscellaneous.
Next comes Invest with 10.046€.
There went 8.213€ to TradeRepublic, 1.148€ in Crypto, 380€ in gold/silver and my little old building society contract was allowed to settle with 300€ happy.
The third point is 7.349€
InsurancesThis includes private health insurance and pension insurance, which is why the amount is so gigantic.
The PKV takes since August 3.487€ and the RV
2.425€Thus remain occupational disability with 784 €, legal protection, accident and liability with a total of 651 €.
Let's move on to a nicer point: Shopping with 6.229€
This of course includes forever of small items.
The ones that stick out are a new cell phone from $AAPL , a lot of $AMZN (+1,14 %) and $EBAY (-0,53 %) clothing $YOU (+5,18 %)
$ASC (-0,76 %) and a lot of untitled stuff from $PYPL (+5,3 %) and Klarna.
But also some gifts for friends and family.
Right after even better: Food with 3.624€
3.315€ went to supermarkets and discounters (I work in a grocery store, so I see a lot of great and tasty things every day) and 262€ to $HFG (-3,63 %)
2.913€ are for travel have been spent.
Of course beautifully well-behaved with $ABNB (+4,51 %) !
Likewise, a vacation is included, which I will make only in February 23, but is already paid 🎌.
Finances and taxes forms a small loan from my dad, which I paid him back and Donations for good causes with 2.765€.
The 2.428€ at leisure expenses include books, subscriptions to $NFLX (+1,43 %)
$GOOGL (+0,99 %)
$AAPL (+2,87 %)
$AMZN (+1,14 %) and $DIS (-0,71 %) , ventures, sports, hobbies, hairdresser, cinema and Rock in the Park.
The last of the major items that remain are Restaurants with 1.266€. The most went real restaurants at home and abroad with 684€ and 582€ to fast food from $MCD (+0,17 %)
$DPZ (+0,27 %)
$SBUX (+0,07 %)
$RBD and $YUM (-0,93 %)
The rest are then still smaller other expenses.
So... Holy Moly, that took longer than expected 😂.
I think I just took over an hour for all the analyses and the written record, but I think that I have also learned something from it.
Overall, I think that the expenses were ok, especially for the circumstances this year.
Next year I will invest and travel more and spend less on the apartment.
Who has made it down to here I would like to thank upright ❤️
It gives me so much pleasure to talk with you, to write posts and to get to know other views!
Absolutely gigantic thank you to everyone who has liked and commented on my posts this year! ❤️❤️❤️
I think that was my last big post this year, in the next it goes on 😃
Stop stop! There was something else! I want to know how it was with you!
I am clear, not all want to write something like that in numbers but I would be interested in how the expenses and income of you look in percent!
What percentage of your expenses go into investing? How many for rent/house away?
And to anyone doing a post on this, feel free to link, would love to see it! 😃
(Especially what a donkey spends on his meadow or a panther in Bali!).
𝗠𝗮𝗿𝗸𝗲𝘁 𝗡𝗲𝘄𝘀 🗞️
𝗘𝗨 𝘄𝗶𝗹𝗹 𝗞𝗿𝘆𝗽𝘁𝗼 𝗔𝗻𝗼𝗻𝘆𝗺𝗶𝘁ä𝘁 𝗮𝘂𝗳𝗵𝗲𝗯𝗲𝗻 / 𝗖𝗼𝗺𝗺𝗲𝗿𝘇𝗯𝗮𝗻𝗸 𝗺𝗮𝗰𝗵𝘁 𝗚𝗲𝘄𝗶𝗻𝗻 / 𝗡𝗩𝗜𝗗𝗜𝗔 𝗭𝗮𝗵𝗹𝗲𝗻
𝗤𝘂𝗮𝗿𝘁𝗮𝗹𝘀𝘇𝗮𝗵𝗹𝗲𝗻 📈
Today, among others, Airbus SE ($AIR (+3,4 %)), Walmart Inc ($WMT (-1,47 %)), Kering SA ($KER (+2,91 %)) and Palantir Technologies ($PLTR (-1,19 %)) present their quarterly figures.
𝗘𝘅-𝗗𝗮𝘁𝗲𝘀 📅
As of today, among others, Shell PLC ($RDSA), 3M Company ($MMM (+0,41 %)) and Yum! Brands Inc. ($YUM (-0,93 %)) are trading ex-dividend.
𝗠𝗮𝗿𝗸𝗲𝘁𝘀 🏛️
NVIDIA ($NVDA (+3,67 %)) - The chip company delivered quarterly results yesterday. Revenue rose 53 percent to just over $7.6 billion (€6.7 billion) in the fourth fiscal quarter ended in late January. The bottom line was the profit of three billion dollars even slightly more than twice as high as in the same quarter last year. For the current quarter, NVIDIA held out the prospect of a further increase in sales to 8.1 billion dollars - while analysts had rather expected around 7.3 billion dollars.
Commerzbank ($CBK (-1,28 %)) - The bank posted a profit of 430 million euros in 2021, compared with a loss of 2.9 billion in the prior-year period. Operating profit was 1.18 billion euros, after the bank had posted a loss of 233 million euros in the previous year. Commerzbank CEO Manfred Knof said: "2022 will be a decisive year in the implementation of our strategy," "We want to build on last year's successful customer business and increase consolidated profit to more than 1 billion euros."
𝗖𝗿𝘆𝗽𝘁𝗼 💎
EU - Payments with cryptocurrencies should no longer be anonymous even from one cent, EU Parliament committees demand. Unlike the EU Commission, relevant committees of the EU Parliament do not want any exceptions to apply to the identification requirement for crypto transactions. The EU Commission had proposed an exemption limit of 1,000 euros. The background to all the considerations is a package of regulations proposed by the EU Commission last summer. Like the German Crypto Transfers Ordinance (KryptoTransferV), which Chancellor Olaf Scholz (SPD) proposed while still Finance Minister at the time, the EU regulation essentially deals with crypto service providers. When buying and selling crypto-assets, they are supposed to collect the data of the persons involved, keep it and transfer it to an authority upon request. According to the expectations of the politicians, this should result in transparent traceability, which should take into account the state's interests in fighting crime.
𝗠𝗮𝗿𝗸𝗲𝘁 𝗡𝗲𝘄𝘀 🗞️
𝗡𝗔𝗚𝗔 𝗜𝗣𝗢 / 𝗘-𝗔𝘂𝘁𝗼 𝗹𝗮𝗱𝗲𝗻 / 𝗡𝗲𝘂𝗲 𝗖𝗵𝗶𝗽𝘀 / 𝗞𝗿𝘆𝗽𝘁𝗼 𝗶𝗻 𝗥𝗲𝗻𝘁𝗲𝗻𝗳𝗼𝗻𝗱𝘀 / 𝗦𝘁𝗲𝘂𝗲𝗿𝗽𝗳𝗹𝗶𝗰𝗵𝘁𝗶𝗴𝗲 𝗡𝗙𝗧𝘀
𝗜𝗣𝗢𝘀 🔔
NAGA Group AG ($N4G (+12,17 %)) - NAGA Group AG plans its NASDAQ IPO and announces guidance for fiscal 2022. NAGA's IPO and listing in the U.S. could be completed as early as the second half of 2022. For fiscal year 2022, the company expects consolidated earnings before interest, taxes, depreciation and amortization (EBITDA) of EUR 25 million to EUR 30 million.
𝗘𝘅-𝗗𝗮𝘁𝗲𝘀 📅
As of today, among others, Applied Materials ($AMAT (+4,71 %)), The Kraft Heinz Company ($KHC (-1,09 %)), NextEra Energy ($NEE (-2,77 %)), S&P Global ($SPGI (+0,51 %)) and Yum! Brands ($YUM (-0,93 %)) traded ex-dividend.
𝗤𝘂𝗮𝗿𝘁𝗮𝗹𝘀𝘇𝗮𝗵𝗹𝗲𝗻 📈
Today, among others, HUAZHU Hotels Group ($CL4A (+3,08 %)) and John Deere ($DE (+1,49 %)) present their figures.
𝗠𝗮𝗿𝗸𝗲𝘁𝘀 🏛️
Blackrock ($BLK (+0,66 %)) - Asset manager Blackrock is involved in the store network operator of Audi ($AUDVF), BWM ($BMW (+0,81 %)) and Daimler ($DAII (-2,77 %)), Ionity. According to a statement from the U.S. investor and the previous owners, 700 million euros were invested in the company. BMW, Mercedes-Benz, Audi, Porsche ($POAHY (-0,25 %)) as well as Ford ($F (-1,21 %)) and Hyundai ($HYU (+2,21 %)) have stakes in the joint venture, which was founded in 2017. Ionity aims to increase the number of charging stations more than fourfold to around 7,000 by 2025. Own land to be acquired will serve the station concept and enable charging not only along highways, but also near major cities and along busy trunk roads.
Samsung ($SSUN (-0,89 %)) - Samsung plans to build a new chip factory in the USA. A semiconductor shortage and supply problems are holding back the global economy's recovery. According to a media report, the South Korean technology group plans to build the new plant in the city of Taylor, in the state of Texas. A construction sum of 17 billion US dollars has reportedly been estimated.
𝗖𝗿𝘆𝗽𝘁𝗼 💎
Australia - The Rest Super retirement fund invests in cryptocurrencies for its 1.8 million members. The fund manages more than $46.8 billion in assets. The company's CIO, Andrew Lill said he sees digital assets as an "important part" of the portfolio, but it is still a very volatile asset class. As a result, investing in cryptocurrencies will initially make up a relatively small allocation, as part of the diversified portfolio, which can build over time.
South Korea - The South Korean Financial Supervisory Commission (FSC) has determined that NFTs will be subject to taxation starting next year. After classifying NFTs as virtual assets, Korean lawmakers plan to levy taxes on them. Starting Jan. 1, 2022, taxes of 20 percent will be due on NFT sales that exceed 2.5 million won ($2,102). South Korea has recently taken many measures to regulate the crypto market in order to target money laundering. As the NFT market rapidly expands in South Korea and globally, the regulation vs. innovation debate remains contentious.
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