This will give you a better idea of the historical growth of the company. This does not guarantee the company will continue to grow at this rate, however.  You may see ups and downs over the time period due to the company taking on more debt from borrowing.  Firms cannot grow their ROE without borrowing funds or selling more shares.  Repaying debt reduces net income.  Selling shares reduces earnings per share.  High growth properties tend to have a higher ROE because they can generate additional income without the need for external financing. Compare a ROE number to companies of similar size in the same industry. An ROE may look low but may be appropriate for a particular type of industry with low profit margins. They may have incurred one-time charges due to layoffs, for example, that resulted in a negative net income number and, therefore, a low ROE.   Therefore, looking at only net income and ROE as a measure of profitability might be misleading.  For companies with a low ROE, evaluate other measures of profitability, such as free cash flow (found on the company's annual report), before deciding to pass on investing in the company. For example, ABC company's net profits may have declined in a particular year due to increased expenses from layoffs, buying new equipment or moving headquarters. This does not mean it won't be profitable in the future since these tend to be one-time charges. Return on Assets is how much profit a company earns for every dollar of assets it holds. Assets include cash in the bank, accounts receivable, land and property, equipment, inventory and furniture. ROA is calculated by dividing annual net income (on the income statement) by total assets (found on the balance sheet).  The smaller the ROA, the less profitable the company.  A company can have a large difference between its ROE and its ROA, and the difference has to do with debt.  Assets = liabilities + equity.  Therefore, for a company with no debt, its assets and shareholders’ equity will be equal.  Also, the ROE and the ROA will be equal. But if the company takes on new debt, assets increase (because of the influx of cash) and equity shrinks (because equity = assets – liabilities). When equity shrinks, ROE increases. When assets increase, ROA decreases.
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One-sentence summary -- Compare the ROE over the past 5 to 10 years. Consider investing in companies with a low ROE (below 15%). Compare ROE to Return on Assets (ROA).


Taking her to a party is probably not the best date idea for a shy girl. Instead, take her somewhere quiet where she can open up to you. For example, take her for a walk in the park or to a picnic in the park. If you aren’t sure what she’d want to do, you can ask her if there’s somewhere she has been wanting to go. If the park is a little too quiet for her, you can suggest going out for ice cream. It’s stress-free and there are some people around. A movie is another low-key date idea because it’s something you can do together without feeling the pressure to talk. If she doesn’t like ice cream, suggest going out for lunch or dinner. Even if the date goes very well, do not move very fast with a shy girl. Moving too fast could be overwhelming for her. For example, don’t go in for a kiss without asking permission. If you feel like she’s having a good time with you, ask if she’d be okay with holding your hand. You can move on from there if she seems okay with holding your hand. Depending on how the date or dates go, you may want to ask her to be your girlfriend. First, try to get an idea of how she feels about you. You can ask if she enjoys spending time with you. Or, if she has opened up to you a lot, ask her if she likes you in the same way that you like her. If she does, ask if she would like to be your girlfriend. For example, you could say “I’ve really enjoyed getting to know you. I’ve come to like you a lot, and I was wondering if you would like to be my girlfriend?”
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One-sentence summary -- Take her somewhere quiet. Go out for ice cream or a movie. Take things slowly. Ask her to be your girlfriend.


Get lost in an adventure by using a book to stir your imagination. Curl up on the sofa or in the bed and have a mini-adventure in your head. If you’re not interested in fairy tales or fiction, there’s always non-fiction. If you don’t care for reading, write in your journal to express your thoughts instead. There is so much to see and do on the internet. Read the news.  Read blogs or websites, or make a blog or a website yourself. If you want something more interactive, shop, play games or discover other things to do. There are so many ideas to learn and contemplate.  You can watch alternative news, or watch a tutorial on how to do something. Or, you could simply entertain yourself by watching a show published on the platform or one of the many YouTube content creators on virtually any subject you can imagine such as beauty, comedy, books, fashion. Ted and Tedx brings speakers together to discuss a variety of topics. Usually, the talks are about 20 minutes or less, and the topics vary from everything to linguistics to design. Watch talks and learn from authors, researchers, scientists, designers and many others.
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One-sentence summary -- Read a book. Surf the internet. Watch YouTube. Watch a Ted Talk.


Some book clubs are mainly meant to be fun and relaxed. The book is discussed, but the literary discussion may not be very serious and in-depth. Other books clubs are more serious and highly academic. Choose what type of book club you’d like to have.  An academic book club would be more focused on aspects about the book such as meaning, plot, and character. A social book club would talk about the story and feelings about the story, but it wouldn’t be a problem if conversation got carried away from the book. You can focus on one literary genre, such as adult fiction, romance, or horror. Or, you can choose to read books from a variety of genres. Typically, however, it is a good idea to not mix genres too much so that the members will join knowing that they will be reading books they enjoy. Book clubs are typically held at meeting points, like homes, bookstores, or the local library. The meetings can change location every so often, but it is usually easier to keep them at one or a few regular locations. Contact the location to inquire about holding your book club there, or ask potential members if they could commit to hosting a club every so often. If a physical meeting point isn’t an option, you can also have an online book club. An online book club can be held on a chat room, social media application, or even through group video chats. An online meeting point is also a good option because it allows people from all over the world to join the club. If the meeting will be held at a physical location, consider how large or small you’d want your club to be. 8 to 16 members is a good number because it is not overwhelmingly large, but there will still be enough people for a meeting if a few members don’t show up.
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One-sentence summary --
Decide how academic or social your book club will be. Choose what type of books you’d like to read. Choose a location for your club. Go for an online club if you don’t have a location to meet. Decide how large you’d like your book club to be.