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Killexams : Oracle Essentials tricks - BingNews Search results Killexams : Oracle Essentials tricks - BingNews Killexams : Portfolio 6 -- Fitting the Bill Digital Camera Home > Photo Software > Extensis Portfolio
port6_box.jpg By MIKE PASINI
The Imaging Resource Digital Photography Newsletter

Review Date: September 2001

If we really needed asset management software, we'd use it. Right?

Right. The trouble with most software designed to organize your image collection is that it isn't convenient to use. It makes more work, not less. So we get by, content to pay later.

But we don't really want to get by. Especially as the images pile up. We really want software that will describe, catalog, retrieve and share our images -- and that we will want to use.

Over the years, we've honed our requirements to just a few essentials:

  1. It has to be easy to catalog both old images and new ones, no matter where they are.
  2. It has to automatically keyword our collection.
  3. It has to collect Exif exposure data from our images when it catalogs them.
  4. It has to have powerful sorting capabilities. If we want to see our photos in order of Exposure Time, it shouldn't take more than a click.
  5. It has to have a powerful searching capability -- not just a multiple field search but a Google-like clairvoyance.
  6. It has to be cross-platform. These days that means Windows plus Macintosh OS 9 and OS X. We want it to be smart enough to share images with anyone.
  7. It has to be able to write CDs or DVDs of our collection that are readable on any platform.
  8. And it would be nice to have a few options for presenting or exporting the collection (like building an attractive Web page).
We'll spare you the suspense. We haven't found anything that does all that.

Among the industrial-grade standalone products (Canto Cumulus), ease of use is nearly unknown. It's hard to set up a catalog so it imports Exif data from JPEGs. It's hard to import images on a routine basis.

Among the organizer features of the new all-in-one breed of imaging software (iPhoto, Photoshop Album, Kodak EasyShare, Picasa), keywording and searching are shortchanged. Oddly enough Exif data is sometimes, too.

The cross-platform requirement may not be as important to you as it is to us. If that's the case, you might be happy with a few jewels (iView Multimedia ( and QPict ( on the Mac, for example).

ENTER PORTFOLIO | Back to Contents

At $200, Portfolio 6 from Extensis isn't inexpensive (although a $150 upgrade is available to Cumulus users). But we were smitten by how effortlessly it let us build (and maintain) a keyworded catalog.

So we took a closer look at Portfolio. Here's what we found.


Running on Windows 98/NT/2000/ME/XP and Mac OS 8.6+ and OS X version 10.2, Portfolio is as cross-platform as software comes these days.

On any of the supported platforms, you'll need 32-MB RAM and 25-MB disk space, plus at least version 4.1.1 of QuickTime.

We were excited to see Extensis release Portfolio 6.1 for OS X and much of our later testing was done with that version, a free update for users of 6.0.

INSTALLATION | Back to Contents

No problems. An installer manages the install for you.

On the Mac, a Portfolio plug-in is written to your System Folder and an optional alias created. OS X seems to require nothing more than a neat little package in your Applications folder and a "plist" preference file.

Windows installations include a handful of items in the Start menu, in addition to the application folder.

We enjoy nagging you to register products like this. Not only does it let you tap into excellent online support (, but it keeps you informed of updates and gives you access to free downloads of related goodies.


We prefer to catalog only one copy of each image. But we are not safe with only one copy.

We have three -- and, despite our best efforts, have now and then over the years been glad to have as many as three. One of which, fortunately, is not within arm's reach, but offsite where it is updated only when the dust settles down.

Being able to have multiple originals is one of the advantages of going digital, after all. And, who knows, one day you might buy a new computer (and still want to see your old images).

So we copy our images (we don't move them) from our digicam to a hard disk. Then we copy the original again to another computer running a different operating system. We burn a CD of each of those copies and monthly we update our offsite collection. And eventually delete the temporary copies on the hard disks.

We consider one set of our CDs to be the archive. So we want to catalog that -- but it's mirrored by the other two sets.


You can imagine that after all that copying, we don't have much patience with convoluted asset management routines.

Portfolio was easy to add to our production routine. After burning the latest round of images to CD (using a multi-session 9660 format), we just drag the new folder to our Portfolio database.

Portfolio asks us if we want to add any special keywords, but usually we don't. We get by just fine with the year, month and day and some descriptive phrase used in the folder name. It picks that up automatically.

At the same time it reads the basic exposure data from each image and stores that, with a thumbnail, in its database. It also happens to know the volume name of the CD. So if we want to retrieve any image in the database, it can tell us what disc it's on.

Cataloging isn't fast, but it isn't glacial either. A lot depends on the thumbnailing options you choose (their size and whether they are extracted from the image file or generated by Portfolio).

There is some setup involved before you start cataloging but we found it both comprehensive and simple. Exposure data stored in the Exif header of each image, for example, is not captured by default but only after you enable it. Other setup tasks are more along the lines of options (to create keywords from paths or not, for example).

There's a lot more power to this process than we're describing. We were able to easily adapt Portfolio to what we do and get it to do what we wanted done -- that's the important point.

BEYOND DRAG & DROP | Back to Contents

A number of programs offer drag and drop cataloging. But they all have to be open. Portfolio doesn't actually have to be running. You can catalog your images from the Finder or Windows Explorer using its contextual menu plug-in. The Add to Portfolio option opens onto a list of all your Portfolio catalogs.

And if you use our recommended folder naming scheme (CCYY.MM.DD Descriptive Name), which turns your trip to Howe Caverns into "2003.01.15 Howe Caverns," Portfolio will, on import, assign "2002," "01," "15," "Howe" and "Caverns" as keywords. It will also ask you if the batch of images should have any additional keywords. Like "New York, stalagmites, stalactites, Buffalo Wings." Using the same trick, you can fill in the Photographer, Location and Event fields for the whole batch.

So keywording can be done automatically during cataloging. That's an efficiency every asset management program should emulate.

EXIF DATA | Back to Contents

When you set up your catalog of images to include Exif data, the basic exposure information for each image comes along for the ride. That data includes Aperture, Date Taken, Date Digitized, Exposure Bias Value, Exposure Time, F-Number, Flash (on or off), Focal Length, ISO Speed, Light Source, Metering Mode and Shutter Speed.

Exif headers are more mysterious than they should be. Some camera manufacturers support the standard, well, idiosyncratically. Consequently, Portfolio's support is a work in progress. If the data you want isn't captured, you can try adding a Custom Field for the missing Tag ID Code to the Mappings list.

Finding the Tag ID Code is the trick. Scene Type, for example, is 41729. Flash Energy is 41483. Fortunately, these are all documented for the Exif standard itself in the Tag Support Levels table (page 66 in my copy) of the specification (

But finding a manufacturer's extra tidbits (maker notes, they're called) can be a real scavenger hunt. Try TsuruZoh Tachibanaya's site ( for help.

KEEPING TRACK | Back to Contents

Portfolio is unusually flexible for an asset management program. We found it easy to adapt to our habits but we also tried doing business a bit differently.

For example, maybe you find it convenient to keep and catalog your images on your hard disk. Then one day you decide to move the oldest ones to CD.

Oops, isn't the catalog suddenly out of date?

Not if you used Portfolio's FolderSync feature to move them for you. FolderSync keeps your catalog in sync with your images when you use Portfolio to copy, move, rename or delete them. Do it once, not twice. Nice.

So you could use Portfolio to copy images from your digicam, rename them and catalog them simultaneously. Very nice.

FolderSync is essentially a file system that lets you see your images as you organize them. Use FolderSync instead of your operating system to handle routine file maintenance and you get a visual file system.

FINDING THINGS | Back to Contents

Portfolio has a QuickFind function that looks like any other Find you've used, except for one thing. No dialog box. Just a handy field in the tool bar. Sort of a Google for your images.

But its searching power, based on the data it's collected on each image, is easily extended to a full dialog window of options. And these searches can be saved for reuse later. You can access your Saved Finds from the tool bar or a floating palette.

Since all the fields in a catalog are indexed, searches are very quick. And you can configure QuickFind to look only at certain fields to make things even faster.

There's one other place you can use the Find command, though.

Portfolio Express is a floating palette you can access in any application. It lets you open any catalog and perform a search. When you find an image, you can simply drag it from the palette and drop it in the application. No need to have Portfolio itself running.

So your collection is available in any application you might need it. Your whole collection. No matter where it's stored.

SORTING | Back to Contents

The Find command disappointed us when it came to looking for images with an Exposure Time of less than 1/60 of a second. Portfolio looked at the Exposure Time field as a string of characters. Digits and punctuation, not a number or formula. So it saw both 1/500 and 1/2 as less than 1/60. Simply because 5 and 2 are less than 6.

Same problem sorting. Look over our list at the top of this review and you'll see this is the one thing Portfolio couldn't do.

Too bad because sorting on our test catalog of about 1,800 items was very quick. Using a List view and Customizing it to include whatever fields we wanted to see, we were able to sort our data very quickly. And we could save this view, even set it as the default. If you want to see your latest shots every time you open your catalog (instead of your first shots), you can do that in Portfolio.

WEB PUBLISHING | Back to Contents

One of the nicer things Portfolio can do is build Web pages of your images, creating index pages of thumbnails linked to the master images.

It does this using HTML templates that are easy to read, easy to modify and easy to expand with your own templates. Variables in the HTML code are simply marked with percent signs.

Even nicer is that you can preview the various templates with your genuine images before bothering to build the final HTML. Previews are surprisingly quick, too. We didn't have to wait for them.

Registered Portfolio users can also download PortWeb at no charge. PortWeb is a Web server plug-in that can dynamically create Web pages from Portfolio catalogs.

COLLECT & PUBLISH | Back to Contents

It seems like every feature of Portfolio has some extra little touch.

With its Collect & Publish feature, Portfolio doesn't just copy your images to CD. It adds a free Browser application so whoever pops your CD in their system can preview, search and sort your images via a new catalog built just for the collection on CD. Versions of the Browser are available for Windows, Mac OS 9.

And this isn't just a file viewer. The Browser can sort, customize the display and use the Find power of the full program. It even does slide shows.

OTHER TRICKS | Back to Contents

Yes, Portfolio will email your images using your email software. But it emails the original, no resizing, so beware.

A server version, handy when your group grows to between 10 to 20 simultaneous users, makes the product scalable to larger groups. And Portfolio SQL Connect adds high volume access to your catalogs as a front end to Microsoft SQL Server or Oracle 8i databases.

RESOURCES | Back to Contents

Extensis provides online support ( and a user forum ( We also found Mark Anderson's Unofficial FAQ for Extensis Portfolio ( very helpful, too.

IT'S THE DESIGN | Back to Contents

One day we'll run into an asset manager that can adroitly handle Exif data. But on all other counts, Portfolio fit the bill.

And with nothing to learn to tap into this sophisticated cataloging power and nothing to remember to locate and access your images, Portfolio is hard to beat.

You don't even have to be running the program to use it. Which is right up there with getting something for nothing in our book.

Thu, 31 Mar 2022 22:32:00 -0500 text/html
Killexams : 23 Ways To Save Money on Back-to-School Items

monkeybusinessimages / Getty Images/iStockphoto

Inflation is hitting all corners of the economy, including back-to-school spending.

In their exact survey, the National Retail Foundation and Prosper Insights & Analytics found that 38% of consumers are reducing their spending in other areas to pay for back-to-school essentials this summer. Because of higher prices, parents surveyed said they expect to spend $864 on school items for their children in elementary through high school -- about $15 more than 2021. Families with students in college are planning on a $1,200 back-to-school bill.

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"Families consider back-to-school and college items as an essential category, and they are taking whatever steps they can, including cutting back on discretionary spending, shopping sales and buying store- or off-brand items, in order to purchase what they need for the upcoming school year," NRF president and CEO Matthew Shay said in a news release. "The back-to-school season is among the most significant shopping events for consumers and retailers alike, second only to the winter holiday season."

Between the K-12 and college sectors, back-to-school shopping is expected to tally a record a record $111 billion. And if your share of that figure seems staggering, you can employ some savings strategies. Here are 23 tips to save on shopping while sending the kids off to school in style.

augustine_aranas / Getty Images/iStockphoto

1. Stick to the List

Your child's school should have a supply list on its website, or perhaps you were given one before the most exact school year ended. It's easy to get carried away while school shopping, but you'll save money by buying just what school requires.

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Pao Laroid /

2. Take Stock at Home

Before taking your kids' school supply lists to the store, search your own home for items that could fit the bill. You might have forgotten that you bought extra pencils or notebook paper last summer, and your kids might have only lightly used their binders last school year. No point in buying again what you already have.

3. Shop Every Week and Start Early

Prices change throughout the back-to-school shopping season, and you never know when a certain item might go on sale. Pay attention to store circulars and check retailers' websites for specials to make sure you don't miss out on a discount.

As of early July, 56% of shoppers had already started shopping for back-to-school items, the NRF survey found.

Zephyr18 / Getty Images/iStockphoto

4. Leave the Kids at Home

If you're thinking of taking your kids with you for back-to-school shopping, you might want to reconsider.

"Now, I realize some parents like to take their kids back-to-school shopping, as it makes them feel a part of the process, but I'm here to tell you that it's typically not a good idea to haul them along, especially young kids," said Kyle James, founder of "Kids are gonna throw off your money-saving mojo because they are going to want the expensive Hello Kitty backpack, and they are going to want the G.I. Joe pencils that cost five times what they should."

mr.water /

5. Teach the Kids To Budget

If the kids do join you, it's never too early to start teaching them some financial literacy. By establishing a budget for their back-to-school shopping, you can make them part of the process while teaching them that money is a limited resource. Doing this puts kids in back-to-school mode a little early, ensuring that they're learning -- and your budget isn't being blown.

Pressmaster /

6. Hold Off on Everyday Supplies

You typically can wait to buy basic items like pens and notebooks that will be on sale throughout the summer, but watch for price reductions on the bigger-ticket items, such as backpacks, or things that require a specific brand, like calculators. Snap those up when you find one that fits your budget and your needs.

Trong Nguyen /

7. Buy in Bulk With Friends

Consider the items you can buy in bulk and opt to split these purchases among friends and neighbors. For example, you can shop at a place such as Costco or Sam's Club and get some of the supplies in a large money-saving quantity. Anti-bacterial wipes, tissues, sanitizing wipes and Ziploc bags frequently show up on the lists from the schools, and you might even share things needed at home for school lunches, like brown paper bags and sandwich bags.[

Parents whose children are in the same classes or schools can pool their resources when shopping to save both time and money.


8. Search for Coupons and download Apps

Get in the habit of doing a quick search for coupons before purchasing. While you might not find a coupon to meet your needs, you could wind up cutting your bill for back-to-school supplies significantly, all because you typed a few words into a search engine.

Or, download the apps of retailers that sell school supplies - that includes stores ranging from Staples to CVS to Target your local grocery store - to see what downloadable coupons you find.

qoppi /

9. Go to Amazon's Coupon Page

While Amazon is not known for its coupon deals, the mega-retailer does offer coupons on many items, especially electronics that the college-age or older students might need. Shop the bargains first when making a purchase to save.

Kzenon /

10. Be Cheap -- But Not Too Cheap -- With Backpacks

James cautions that backpacks are big budget busters for many families. "The best way to save on a new backpack is to always avoid the big-name brands and more importantly always avoid the character-themed backpacks," he said. "Those are always priced 20% to 30% higher and simply not worth the extra money."

However, he warns that you still want to buy quality backpacks that will last through the entire school year. If you find a great sale, it is worth investing in a backpack that could last multiple years or comes with a repair warranty.

zoranm /

11. Put Off Your Electronics Purchases

If you can't find a new laptop or a TV for your kid's dorm room within your budget, consider delaying your purchase until Black Friday, when deals always abound. It will be here before your know it, and your student might be able to make do for a few months.

Tye Carnelli /

12. Host a Clothing Swap

Throw a quick party, invite your friends and ask them to bring some stylish clothes their kids have outgrown. This works best if you invite friends with kids at a variety of ages. You don't want a room full of parents of only 9-year-olds. Offer to take whatever clothes aren't snapped up to the local thrift shop so parents don't need to haul them home when the party is over.

XiXinXing /

13. Join Store Mailing Lists

Sign up for store emails and keep your eyes peeled. Think Staples, Office Depot/OfficeMax, Best Buy, Target, Walmart and any other store where you would regularly shop for school supplies.

This allows you to comparison shop from the comfort of your inbox, and with gas prices what they are, you can plan your route if you find you want to shop at multiple stores. When back-to-school season is over, you can unsubscribe.

Abel Mitja Varela /

14. Install Browser Extensions

Honey and Capital One Shopping are among the browser extensions that automatically scour the web for coupon codes when you check out at an online store. The extension will run any code it finds and offer you the best one. Capital One Shopping also offers cash back at many sites, with a exact offer of 2% back at Office Depot/Office Max.

David Joyner /

15. Check Out Your Credit Card Offers

Certain credit cards offer rebates and rewards on select categories throughout the year, including back-to-school goods. At the very least, you could be earning a percentage back from each back-to-school purchase you put on your card.

insta_photos / Getty Images/iStockphoto

16. Look Out for Student Discounts

Many retailers offer student discounts. If your young adult needs the Adobe Creative Cloud, it's available for more than 60% off for students through the Adobe website, for example.

XiXinXing /

17. Don't Buy What You Don't Need Yet

If you live in California but you're sending your child to New York for college, a good winter coat will be required. But not yet. Don't rush to buy that coat before the seasonal sales set in. Buy that later when it's on sale, and you probably will find a free shipping offer then, too.

izusek / Getty Images

18. Join a Parent Networking Group

Check online and talk to neighbors and other parents about any networking or resource-sharing groups that might be popular in your area. These groups can offer an easy way to source second-hand supplies. You can also try Facebook buy-nothing sites to see if someone has extra school stuff.

Keith Rice /

19. Rent That Fancy Calculator

Sometimes students are required to purchase pricey items, like graphing calculators. However, you can rent graphing calculators for about half the cost from a number of online retailers, such as Graphtor or Calcs Unlimited. Talk to the teacher to see how long your child will need the calculator so you can figure out how much money the rental will save you.

Sundry Photography /

20. Shop During a Tax Holiday

Many states offer certain days when sales tax is waived on select items, and school supplies are typically among them. CNBC reports 16 states will have no-tax days for school supplies this year - Florida and Texas are among them - but find out fast if your state is participating. The dates are limited and are rapidly approaching.

RgStudio / Getty Images

21. Keep Tabs on Daily Deal Sites

Just like regular retailers, daily deal sites like Groupon, LivingSocial and OpenSky could have the clothing item, accessory or school supply your child needs. You can manage your preferences so that these sites will alert you when deals pop up for particular products.

P. Kijsanayothin / Getty Images

22. Follow Your Favorite Stores on Social Media

Sometimes, retailers post deals specific to their social media followers on Facebook, Twitter or Instagram. To take advantage of these savings, add or follow a few of your favorite back-to-school retailers. As you're scrolling through your feed, you might just spot a deal.

xijian /

23. Find Alternate Sources of College Textbooks

The website Education Data Initiative reports undergraduate students attending an in-state, four-year public university can expect to pay $1,226 for books and supplies in one school year. The average textbook costs $105.37, according to the site.

Instead, you can also save money by licensing electronic copies of your textbooks. Typically, these textbooks are available for set periods of time, such as one semester. Or, sites such as Amazon and Chegg offer textbook rentals at a significant savings. Chegg reports you can save as much as 90% per textbook.

Be sure to look up books by the ISBN numbers to certain you're comparing the right versions.

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Michelle Stoffel contributed to the reporting for this article.

This article originally appeared on 23 Ways To Save Money on Back-to-School Items

Sat, 23 Jul 2022 02:19:00 -0500 en-US text/html
Killexams : 25 Cute Beach Outfits to Wear All Summer Long

Travel is finally back and whether you have grand plans for far away getaways, or simply a day trip to your local seashore, cute beach outfits are a must when it comes to summer shopping. If you’re aiming to keep things casual and cute, or prefer statement-making pairings that will stand out in a crowd, you will want to inject a little playfulness into your beach look. 

I think what makes beach dressing fun and fashionable is the freedom to try something new and embrace a look outside your typical style,” Patricia Bonaldi, founder and creative director of PatBo, tells WWD. “I know so many New Yorkers who wear head-to-toe black in the city, but lean into color and print for the beach as a fun, different expression of their style.” 

More from WWD

What to Wear to the Beach

We saw a lot of runway trends perfect for the beach this Spring/Summer 2022 season. Vacation was on many designers’ minds, from crochet summer dresses at Gabriela Hearst and Jonathan Simkhai, to surfer style taking center stage at Stella McCartney, Etro and Isabel Marant. Even the return of gladiator and other cute summer sandals at Alberta Ferretti and Valentino, instantly sparked ideas of dreamy, vacation-ready outfits. However, both our experts agree, you don’t have to follow the trends when it comes to forming your perfect beach capsule wardrobe. 

I personally don’t tend to follow trends; I dress with my gut and what makes me feel good,” Bonaldi says. “I also love exactly that — a beach wardrobe! — pieces that are versatile and not just swim, but for the boat, seaside dinners and exploring the town, while still feeling comfortable and beachy,” agrees Marysia Dobrzanska Reeves, founder of Marysia. “I’m not a super trends driven designer. I had this plaid print designed for years and it finally felt right to add it in. I loved our green plaid last season and wanted to continue in a slightly different feel but super strong, yet soft, by adding the water colored polka dots by my friend, artist Caitlin McGauley.” 

So what is important when shopping for beach outfits? “Comfort! When you are comfortable in your own skin, your confidence shows,” Reeves tells WWD, while Bonaldi confirms that “for functionality, the key is to feel super comfortable, supported and free to not stress about the swimsuit brands and or the clothes after you unpack. Being on vacation and at the beach is a time to have fun and relax, not to worry or feel discomfort! I think about this every time I design for the beach and always aim for versatile, comfortable, chic, joyful and flattering.” 

Take it from the experts and have a little fun when styling out your beach looks this summer. Just remember comfort is key when it comes to pulling off any outfit. Below, discover the tips and tricks to building the best beach outfits for vacation and beyond.        

Cute Beach Outfits for Women for 2022   

Keep scrolling to see all the ways you can create cute beach outfits this summer from our experts and more. 

Sign up for WWD’S The Essentialist newsletter to get the scoop on the best in beauty and style with in-depth reviews of exciting new releases and buyer’s guides to find the products you need to try ASAP.

Sensi Studio Aguacate Hat Long Brim Hat

The Wide-Brimmed Straw Hat 

A wide-brimmed hat is equally fashionable yet functional, shielding the face from powerful rays while acting as a cute accessory, finishing off your beach look. Sensi Studio’s version is made from 100% Toquilla straw and features a thick black ribbon trim for a fashion-forward touch. Founder Stephany Sensi works closely with artisans in Ecuador, her birthplace, to create authentic products with a modern twist. This hat will look great with everything from denim cutoffs and a triangle bikini to cotton sundresses and luxurious kaftans. 

Sensi Studio Aguacate Hat Long Brim

Sensi Studio Aguacate Hat Long Brim


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Related: The 30 Best Sun Hats to Wear This Summer

Levi’s Women’s 501 Originals Shorts 

The Denim Cut-Off Shorts 

Levi’s 501 Originals jeans are a heritage cut that never goes out of style. It is no surprise that customers can’t quit the shorts version as well. As one customer raves, “I waited a whole year to buy these shorts and I wish I wouldn’t have! They are INCREDIBLE.” Available in over twenty washes from blues to black and more, and with sizing up to 42, there is something for everyone. Mix yours with all the summer favorite pieces, from striped tees and sneakers to flowy tops and sandals for a day at the beach. 

Levi’s® Women’s 501® Originals Shorts

Levi’s Women’s 501 Originals Shorts


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Roxy Women’s to Dye 7” Boardshort 

The Printed Board Shorts 

Surf-style saw a major comeback on the runway this spring and it’s the perfect opportunity to break out the board shorts when you’re hitting the waves. Roxy’s spin features a 7 inch length, for plenty of coverage, and comes in 6 colorways of various prints and solid colors. “I really like these 7 inch board shorts to go in the water and be able to walk around without a cover-up on after,” one customer reviewed. Another adds “They fit beautifully and are clearly well made but so light and comfy! Perfect for the beach and warm weather.” Take inspiration from the ‘90s, and pair yours with simple flip-flops, a solid colored bikini and an oversized white t-shirt for a relaxed feel. 

Roxy Women’s to Dye 7” Boardshort

Roxy Women's to Dye 7


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Birkenstock Unisex Arizona Essentials Eva Sandals 

The Rubber Slip-On Slide Sandal

When you’re headed to the seaside, you definitely want something waterproof that won’t ruin from sand, sun and the salty water. Birkenstock’s infamous Arizona sandal shape now comes in the Eva, a style made from rubber. The Eva sandals start at just $40 and are available in eighteen different colorways and counting. They are offered in unisex sizing and are extremely comfy, with Birkenstocks signature ergonomic footbed technology. “These are very comfortable, and I think the black ones look enough like leather to fool most. But the comfort!!!!” one customer proclaimed. Wear yours with all your favorite casual wear items, from floral maxi dresses to overall shorts and tanks. 

Birkenstock Unisex Arizona Essentials EVA Sandals

Birkenstock Unisex Arizona Essentials Eva Sandals


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Marysia Mott Maillot 

The One-Piece Swimsuit 

Every beach wardrobe begins with a great swimsuit. Marysia’s best-selling one-piece features a high-cut halter neck and moderately covered bottom. This style has become a fan favorite due to the special scallop details that the brand is known for and extensive color selections. “Our core customer loves our classic scalloped pieces,” Reeves shares with WWD. “They crave a fresh color in the same tried and true silhouette.” The soft and stretchy fabric is extremely comfortable and this particular style comes in sizes up to XXL. Wear yours with a billowy linen pant and lace-up sandal for a refined beach-to-street look. 

Marysia Mott Maillot

Marysia Mott Maillot


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J.Crew Cotton-Linen Beach Shirt

The Long-Sleeve Cover-Up 

“I love a long-sleeve cover-up in a lightweight fabric,” Reeves says. “It protects you from the strong rays when you’ve had enough or you’re standing around in line for a lobster roll from a food truck in Montauk.” J.Crew’s linen version is the perfect gauzy fabric that will keep you protected, but still have that easy, breathable feeling. This piece also comes in an array of colors and in sizing up to 3X. Style yours over a favorite one-piece or bikini and add a straw hat and sunnies for a simple beach outfit. 

J.Crew Cotton-Linen Beach Shirt

J.Crew Cotton-Linen Beach Shirt


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Related: The 30 Cutest Swim Cover-Ups to Wear on the Beach This Summer

PatBo Hibiscus Ruffle Bikini Bottom 

The High-Waisted Bikini

Glam up your beach game with a high-waisted floral bikini, trimmed in feminine ruffles, like this little Patbo number. “I have equal appreciation for a chic one-piece, or a bikini, which I prefer to be high-waisted,” Bonaldi  tells WWD. High-waisted bikinis provide coverage in the mid-section, allowing for a comfortable feel. This bottom has a matching bandeau or string top, depending on your style preference. Pair yours with a coverup that opens down the front, whether it be an oversized button down or fluid robe shape, to show off the ruffle bottom details.  

PatBO Hibiscus Ruffle Bikini Bottom

PatBo Hibiscus Ruffle Bikini Bottom


Buy Now

Alémais Sofia Printed Cotton and Linen Wide-Leg Pants

The Wide-Leg Palazzo Pant 

A palazzo pant makes for a glam coverup that doesn’t need to be reserved for the beach only. This Alémais style is made from cotton and linen blend, so the fabric will be soft to the touch and breathable on hot days. The elastic drawstring band provides comfort around the waistline and the voluminous leg won’t cling to the skin. The retro-inspired print features olive branches and small bouquets, nodding to a vintage wallpaper motif. “I’m really into wide leg pants,” Reeves mentions. “The looser the better, paired with one of my fitted maillots or tanks.” 

Alémais Sofia Printed Cotton and Linen Wide-Leg Pants

Alémais Sofia Printed Cotton and Linen Wide-Leg Pants


Buy Now

Related: The 25 Best Summer Pants to Keep You Cool All Season Long

Havaianas Women’s Flip Flop Sandal

The Flip-Flop Sandal 

We have seen a resurgence in ‘90s fashion the past few seasons, which includes the flip-flop sandals as a must-have summer shoe. When dressing for a day at the beach, Reeves says her essential footwear choice is “Easy flip-flops. I love black or gold Havaianas.” Known for their durable quality and comfortable feel, Havaianas have been a customer favorite for over 50 years. “Over my 60+ years of flip flop purchases and wear I always look for sales of this brand! They are sturdy and with minimal use last f-o-r-e-v-e-r!” one customer raves. “Plethora of styles and patterns to choose from. Easy to pack and easy to wear. I never purchase any other brand.” 

Havaianas Women's Flip Flop Sandal

Havaianas Women's Flip Flop Sandal


Buy Now

PatBo Aster Cut-Out Maxi Dress 

The Floral Beach Dress 

“I’m loving floral prints this summer — both bold and feminine, like our Aster and Hibiscus prints,” Bonaldi tells us. “[When packing], I’d definitely include one of our PatBo beach dresses — perfect for feeling elegant and pulled together for a boat day, cocktails or dinner, but still easy and beach-friendly.” PatBo’s cut-out maxi dress will fit over your favorite triangle bikini for beach barbecues. You can always remove the bikini underneath when you are ready to go home or on to the next location. Style this one with black gladiator sandals and a straw bag for an elevated look that will take you from sunrise to sunset.  

PatBO Aster Cut-Out Maxi Dress

PatBO Aster Cut-Out Maxi Dress


Buy Now

Related: The 30 Best Summer Dresses to Wear for Casual and Formal Occasions

H&M Balloon-Sleeved Dress 

The Billowy Long-Sleeve Dress 

This H&M style is designed with an oversized fit, in a linen and cotton blend, for a floaty option that is perfect over your favorite one-piece or bikini. The subtle striped pattern nods to the nautical, a favorite seaside print. The voluminous balloon sleeves provide breezy air flow, while still adding coverage for the skin to protect on the hottest of days. One customer reviews, “Like this one very much. Great for hot days. I like to add a belt for a dressier look.” Pair yours with a chic espadrille shoe and an oversized tote for an effortlessly cool, French girl vibe. 

H&M Balloon-Sleeved Dress

H&M Balloon-Sleeved Dress


Buy Now

Celine Eyewear Square-Frame Tortoiseshell Acetate Sunglasses

The Oversized Designer Sunglasses

A good pair of sunglasses is an essential beach item, when it comes to sun protection and style. We recommend splurging on a designer shade, whose quality will hold up over time over a cheaper alternative, for beach days and beyond. Celine Eyewear styles are a fashion favorite, with good reason. The clean, minimalist designs are flattering on most faces and never go out of fashion, season after season. They are made in Italy and offer 100% UV protection. This oversized square-frame shape will look great with everything from chic black maillots to floral swimwear and crisp shirt dresses.  

Celine Eyewear Square-Frame Tortoiseshell Acetate Sunglasses

Celine Eyewear Square-Frame Tortoiseshell Acetate Sunglasses


Buy Now

Kule The Terry Venus Short 

The Terry Cloth Short 

Terry cloth is trending this summer and we are loving the cute and slightly ‘70s styles designers are offering for the season. Kule’s terry short features an elastic waist, making it a breeze to slip on, off and over your favorite suit with ease. Throw it on for quick runs to the beachfront taco stand or take a wander on the boardwalk. The short is offered in nine different color ways, from classic navy to bold and bright lemon yellow, in the irresistibly soft cotton blend fabric. When styling, we recommend trying out a full matching set with either The Terry Flamingo, their short-sleeved cabana shirt or The Terry Selena, cropped strappy tank top, to lean into the trend fully. 

Kule The Terry Venus Short

Kule The Terry Venus Short


Buy Now

Cin Cin Oracle Sheer Robe 

The Printed Cover-Up Robe 

A lightweight robe cover-up is a no-brainer at the beach. Soft and flowy, it is a comfortable option for those moments that you need a little something extra. Go from hotel room to ocean front lounge chair with ease in this retro floral print version from Cin Cin. Wear it open or with the optional self-belt when you want to hide a bit more. “I love beautiful matching cover-ups and skirts to add interest and coverage over my swim,” Bonaldi recommends and we can’t agree more. Look out for matching bikinis or one-pieces in the same floral to wear together as a full look, or break it up with a clean and simple white or black suit for a mix and match look. Oversized hoop earrings and a minimal slide sandal will complete this cute beach vacation outfit. 

CIN CIN Oracle Sheer Robe

Cin Cin Oracle Sheer Robe


Buy Now

L.L.Bean Boat and Tote

The Carryall Canvas Tote Bag 

The L.L.Bean Boat and Totes have been a customer favorite for years. Their heavy duty canvas material comes in four sizes ranging from small to extra-large, and in 8 handle colorways. Starting at just $30, it is an affordable buy that can be used for the beach and beyond. “This bag is a beast! I used it as a carry-on on our exact international beach trip and I used it to carry everything to and from the beach every day,” one customer raved about the extra-large size. “I also use it all the time for going to the pool and it still looks new. Amazing quality!” Don’t forget the monogramming option that allows you to personalize your tote as well. Pair with a gingham dress and nautical-inspired swim for a truly New England summertime feel (the brand is based in Maine afterall).  

L.L.Bean Boat and Tote, Open-Top Bag

L.L.Bean Boat and Tote


Buy Now

Mango Daisy Crochet Dress 

The Retro Crochet Dress 

Crochet has been seen on and off the runways the past few seasons, making a comeback as a closet staple for beach getaways and vacations aplenty. Mango’s 100% cotton crochet dress nods to the ‘60s with the delicate daisy pattern design and mod, mini skirt shape, showing off lots of leg. The higher-cut neck allows for a little more coverage in the bust area, while dainty spaghetti straps highlight a strong shoulder. Style yours with a brightly colored string bikini that peeks out from below, adding an extra hit of fun. Bold shell jewelry and a cool bucket hat will instantly update the vintage feel of the dress.  

Mango Daisy Crochet Dress

Mango Daisy Crochet Dress


Buy Now

Sea Ida Print Sarong 

The Sarong Skirt 

Sarongs are a one-and-done type pieces that are always a must-have beach buy. They are also easy to pack since they fold so thinly, whether you are traveling abroad or just throwing in your beach bag and heading to your local coast. Sea’s sarong adds that something extra, with a playful contrast ruffle trim. The tie-closure waist allows for easy dressing, while the 100% cotton fabric will be soft and breathable all day. Tie yours over your favorite one piece before heading to cocktails for a party look with a sexier shoe and beachy jewelry. 

Sea Ida Print Sarong

Sea Ida Print Sarong


Buy Now

Business & Pleasure Co. Bucket Hat 

The Bucket Hat 

You already know a hat is a necessity for a day in the sun. Business & Pleasure Co.’s bucket hat style channels New England summer style in all the right ways. Designed in a soft pink and white stripe print and available in two sizes, you can find just the right fit while looking stylish. The canvas hat is 98% UV blackout and UPF 50+, adding even more protection, as well as being treated for water and mold resistance. Wear yours with a linen button down and wide-leg linen pants to reach peak coastal grandmother chicness.   

Business & Pleasure Co. Bucket Hat

Business & Pleasure Co. Bucket Hat


Buy Now

Tombolo Company Island Hopping Shirt 

The Cabana Shirt 

Known for their quirky prints, Tombolo Company’s Island Hopping shirt depicts illustrations of the islands of the Northeast, from Shelter Island to Nantucket and Martha’s Vineyard. The shirt is a sustainable style, made from 100% Tencel, and sizing is unisex with a relaxed fit, available up to XXL. “A shirt for any occasion! The colors are vibrant, the fabric soft and breathable,” one customer reviews. Pair yours over a simple swimsuit, denim cut-offs and add a fisherman sandal for a downtown take on the trend.  

Tombolo Company Island Hopping Shirt

Tombolo Company Island Hopping Shirt


Buy Now

Madewell Denim Corsica Short Overalls 

The White Denim Short Overalls 

Cut from a customer favorite vintage-inspired fit, the ‘90s one-piece overall short comes in an ecru shade for a truly summer appropriate wash. Available in sizes XXS to XXL, the relaxed style is made from premium 100% cotton non-stretch Cone® denim. Madewell partners with the BCI (Better Cotton Initiative) to Boost cotton farming globally, for a more sustainable approach to production. “I love these! I got them on a whim and I’m happy I did,” one customer comments. “Loose, but not baggy. And the shorts aren’t too short.” Layer yours over a bandeau bikini for a truly ‘90s feel with gold chain jewelry and Birkenstock slip-on sandals. 

Madewell Denim Corsica Short Overalls

Madewell Denim Corsica Short Overalls


Buy Now

Cornetti Istana Sandal 

The Gladiator Sandal

We saw statement gladiators rule the runway for Spring/Summer 2022, but if you are looking for something with a bit more practicality for seaside adventures, try this easy style from Cornetti. Handmade in Italy, Cornetti sandals are produced with care and comfort in mind. The Istana style is offered in a brown suede and a red and white calfskin leather. A wrapped ankle strap is delicately finished with a small gold buckle closure. Try the Istana with flouncy summer dresses over your favorite swimsuits for a Mediterranean look that is sophisticated, yet no-frills.  

Cornetti Istana Sandal

Cornetti Istana Sandal


Buy Now

Hill House Home The Nap Dress® 

The Smocked Sundress 

Hill House Home’s best-selling Nap Dress® created a phenomena since launch. Now you can shop the shape in over 10 colors and prints as well as a variety of fabrications and sizes, from XXS to 2XL. The striped lavender version in soft linen is our essential summer buy for best dresses to wear at the beach. Featuring the signature smocked bodice and flutter sleeves, the dress will bring a feminine flair to any destination. In a blink of an eye, it can easily go from a day in the sand to sunset cocktails with a quick accessory change. Wear yours with flat sandals and a cute hat for long days by the ocean and swap for a strappy pump and statement earrings for dinner after at the local beach club.     

Hill House Home The Nap Dress®

Hill House Home The Nap Dress®


Buy Now

Marysia North Sea Rashguard 

The Rashguard Swimsuit 

Whether you are planning to surf, paddle board or just sunbathe at the beach, a rashguard allows for activity without any unwanted slippage, while providing a great layer of protection from the sun. Marysia’s version is made from recycled nylon and has a long zip closure. If you’d like to show a little more skin, throw on a coordinating biking top underneath, and unzip a bit. Keep things sporty on a day out with a board short of any length acting as your cover-up and an athletic-inspired pool slide sandal. A scrunchie and shield sunglasses will finish the look off fabulously. 

Marysia North Sea Rashguard

Marysia North Sea Rashguard


Buy Now

Related: The 21 Best Long-Sleeve Swimsuits for a Sleek and Safe Beach Day

Anemos x Ciao Lucia Belted Mini Dress

The Belted Linen Mini Dress 

Two warm-weather favorite brands, Anemos, a luxury swimwear brand, and Ciao Lucia, a RTW label known for their easy dresses, come together to create the perfect cover-up you didn’t know you needed until now. The ’90s-inspired fit of this mini button-down shirt dress was designed with a chic belt detail that can be tied along the waist. Available in an eco-friendly cotton voile, the dress makes for an ideal cover-up alternative in crisp white. It is a bikini or one-piece friendly style, and looks great with a raffia bag and a lace-up shoe to show off the legs for a cute beach vacation outfit. 

Anemos x Ciao Lucia Belted Mini Dress

Anemos x Ciao Lucia Belted Mini Dress


Buy Now

Related: The 20 Best Linen Dresses for an Easy and Stylish Summer Wardrobe

Cesta Collective Raffia Tote Bag 

The Crafty Straw Bag 

No beach outfit is complete without a great bag, and summer is the best time to break out the raffia. Cesta Collective’s tote is made from organic vegetable-dyed raffia and handwoven by female artisans in Rwanda, Africa. Each piece is hand-finished in Italy with luxe details such as leather straps and 18k gold-plated brass hardware. The medium sized tote fits your beach necessities marvously, and the canvas liner is removable. The tote comes in seven different colorways and patterns, from this rainbow melange to breton-style stripes. Pair yours with a sleek swimsuit and oversized shades for a day of fun in the sun. 

Cesta Collective Raffia Tote Bag

Cesta Collective Raffia Tote Bag


Buy Now

Related: The 15 Best Designer Tote Bags That Carry It All

Tips for Women’s Beach Outfit Ideas

  • Start with a great suit: The building blocks, if you will, to a cute beach outfit starts with a well-fitting and comfortable swimsuit. Whether you prefer a one-piece swimsuit, bikini, or even rashguard style, make sure to look for quality fabrics and fits that you will want to reach for time after time. The sky’s the limit when it comes to colors and prints, but make sure to have a few good, simple suits in the rotation, too. Shopping with mindfulness is key for longevity and a more sustainable wardrobe.

  • Cover-up in style: A swim cover-up doesn’t have to mean an oversized kaftan (although we love them, obviously). Your favorite warm-weather essentials, like a smocked dress, an oversized button down, plain white t-shirt, wide-leg summer pants or even white jeans, make for great options that will take you from beach to street effortlessly. Make sure to look for airy, lightweight materials, like cotton and linen, to keep you cool and refreshed all day long. And don’t forget the denim! Cut-offs and overalls are equally great for a day of play when it comes to casual beach outfits. 

  • Accessorize: No beach look is complete without the right accessories. Summer hats will keep you cool and protected, just look for fresh shapes, like a straw wide-brimmed or the ‘90s favorite bucket (don’t worry, you can fake a natural summer glow with the best self tanners). Reach for raffia designer beach bags or a classic canvas when looking for the best place to stow all your belongings. Cute summer sandals will complete every beach outfit and you can’t go wrong with a chic pair of glamorous sunglasses for the final touch.  

Meet the Experts

  • Patricia Bonaldi is the founder and creative director of Patbo, a Brazilian brand that captures the vibrant energy of South America through its artfully hand-embroidered RTW and swim collections. Patricia began her career by opening a multi-brand store in her hometown of Uberlândia. Soon after, she began receiving requests to design her own collection, launching her eponymous label, known today for the richly detailed embroidery and bold prints that are a hallmark of the label and a perfect example of the brand’s commitment to both technical expertise and boundless imagination.  

  • Marysia Dobrzanska Reeves is the founder of Marysia, her namesake luxury womenswear brand, which launched in 2009. While her scalloped edge swimwear has become her signature, Marysia continues to expand the brand’s offerings. With a focus on vacation wear, Marysia designs with travel in mind, creating collections a woman can wear from day to night. She is also constantly inspired by women who wear the collection and their appreciation for art, style, culture and adventure. Like them, Marysia wants her swim and off-duty resortwear to transport her to places she dreams of, from Harbour Island to Biarritz.

Meet the Author 

Kristina Rutkowski is a New York-based freelance writer and editor with a focus on fashion. She was previously the Senior Fashion Market Editor at InStyle, covering all things trends and shopping related. She has also worked in the fashion departments at Self and Glamour. Her bylines have appeared on,, and Editing RTW and swimwear throughout her career, she has been able to see, try and research the best brands available on the market today.  

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Thu, 21 Jul 2022 08:32:00 -0500 en-US text/html
Killexams : BigCommerce Holdings, Inc. (BIGC) CEO Brent Bellm on Q2 2022 Results - Earnings Call Transcript

BigCommerce Holdings, Inc. (NASDAQ:BIGC) Q2 2022 Earnings Conference Call August 4, 2022 5:00 PM ET

Company Participants

Daniel Lentz - Head of IR

Brent Bellm - President, CEO & Chairman

Robert Alvarez - CFO

Conference Call Participants

Gabriela Borges - Goldman Sachs

Clarke Jeffries - Piper Sandler

Daniel Reagan - Canaccord Genuity

Koji Ikeda - Bank of America

Samad Samana - Jefferies

Matt Pfau - William Blair.

Brian Peterson - Raymond James


Ladies and gentlemen, thank you for standing by, and welcome to BigCommerce Second Quarter 2022 Earnings Call. At this time, all participants are in a listen-only mode. After the speaker presentation, there will be a question-and-answer session. Please be advised that today’s conference is being recorded.

I'd now like to turn the conference over to your first speaker today, Daniel Lentz, Head of Investor Relations. You may begin Sir.

Daniel Lentz

Good afternoon, and welcome to BigCommerce's second quarter 2022 earnings call. We will be discussing the results announced in our press release issued after today's market close. With me are BigCommerce's President, CEO and Chairman, Brent Bellm; and CFO, Robert Alvarez.

Today's call will contain forward-looking statements, which are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include statements concerning financial and business trends, our expected future business and financial performance and financial condition and our guidance for the third quarter of 2022 and the full year 2022.

These statements can be identified by words such as expect, anticipate, intend, plan, believe, seek, will or similar words. These statements reflect our views as of today only and should not be relied upon as representing our views at any subsequent date, and we do not undertake any duty to update these statements.

Forward-looking statements, by their nature, address matters that are subject to risks and uncertainties that could cause genuine results to differ materially from expectations. For a discussion of the material risks and other important factors that could affect our genuine results, please refer to the risks and other disclosures contained in our filings with the Securities and Exchange Commission.

During the call, we will also discuss certain non-GAAP financial measures, which are not prepared in accordance with Generally Accepted Accounting Principles. A reconciliation of these non-GAAP financial measures to the most directly comparable GAAP financial measures as well as how we define these metrics and other metrics is included in our earnings press release, which has been furnished to the SEC and is also available on our website at

With that, let me turn the call over to Brent.

Brent Bellm

Thanks, Daniel, and thanks, everyone, for joining us. On today's call RA and I will review our second quarter results and discuss our priorities and approach to managing through the current conditions of market turbulence. RA will also provide detail concerning our view on the back half of the year in his discussion on updated guidance.

First and foremost, I'm pleased to share the second quarter was one of the best in our history, a result that encourages us given the macroeconomic climate. Our team continues to deliver on our mission to be the leading open SaaS eCommerce provider, empowering B2C and B2B merchants around the globe. Let's discuss the details.

In Q2, total revenue grew to $68.2 million up 39% year-over-year. This was our 10th consecutive quarter of posting 30% or higher revenue growth, which was bolstered by strong results from the Feedonomics acquisition in Q3 of 2021.

Our non-GAAP operating loss was $13.7 million, which was also ahead of our guidance last quarter. We concluded Q2 with an annual revenue run rate or ARR of $296 million up 41% from last year that represents a sequential growth in ARR of $15.5 million. This increase was driven by our continued success in the enterprise segment. Enterprise account ARR was $206.6 million up 68% year-over-year. That marks our 15th consecutive quarter of 40% or higher enterprise ARR growth.

Q2 delivered the largest sequential growth in ARR in our history, excluding the quarter of the Feedonomics acquisition. It was better even than during the height of the pandemic when we saw strong transaction driven tailwinds to partner revenue, subscription upgrades and enterprise plan order adjustment. As I said, our strongest growth is coming from the enterprise segment, which now represents 70% of our total company ARR compared to 52% just before our IPO only two years ago.

I am often asked about my views on our current progress and where I feel this business can be in three to five years. I am also asked how we need to operate in a challenging climate to deliver sustainably high revenue growth while hitting our commitments to investors about spending and profitability.

What I want to emphasize from the start is this. Our underlying business momentum is strong. We are winning bigger, more complex merchants every quarter. We are delivering a product roadmap we believe is best in class and industry analysts and merchants are recognizing our emerging enterprise leadership. I have never been more confident about the prospects of this business than I am now.

Over the last few years, you have heard me talk often about our upmarket journey from serving SMB to mid-market and enterprise merchants. I've given updates on our steps to develop new products and add APIs and GraphQL capabilities as part of our differentiated open SaaS approach.

With the launch of our multi-store front functionality to all enterprise merchants in the second quarter, we now offer the key functionality and flexibility that the world's most sophisticated merchants need to be successful. We have crossed a transformational line in our journey as a company to become the world's most modern enterprise eCommerce platform.

We at BigCommerce are not the only one saying this. Forrester, a leading global market research company named us a strong performer and placed us closest to the leader designation of our relevant competitive set. For B2B eCommerce, Forrester rated us the third highest in terms of the strength of our current B2B offering. Meanwhile, [indiscernible] in Europe named us the top enterprise B2C platform. And we won 2022 Australian Solution Provider of the Year from retail global's vendors and partnership.

Just last week, we received high honors as a top solution in paradigms B2B combine for both mid-market and enterprise receiving 22 out of a possible 24 total medals. We earned six more medals in last year, and that marks the third consecutive year we improved our B2B ranking with Paradigm.

On the three continents that comprise our top markets, the experts are ranking us at the top of their platform evaluations. Now that we are officially launched in Mexico and South America, we look forward to competing in those markets as well.

While there is no doubt macroeconomic challenges are facing our industry and global markets more broadly, we believe we are still at the front end of a long term upward curve. IDCs most exact forecast, estimated $8 billion in worldwide digital commerce application revenue this year. That has projected to decline to $12 billion in 2025 and the good news for us is that spending for on-premise applications is projected to decline whereas spending on SaaS solutions like ours is projected to grow at 20.8% CAGR. New enterprise store acquisition drives our growth, and we continue to see strong demand.

With our exact acquisitions of long-time technology partners, Bundle B2B and B2B Ninja, BigCommerce has expanded its native B2B eCommerce functionality to provide a dynamic platform for all B2B merchants that is easier to use, faster than legacy B2B solutions and more flexible and powerful than other SaaS platforms at a time when B2B eCommerce is growing faster than B2C.

In Q2, our international expansion efforts made further progress. Adding to our operations in the, our international expansion efforts made further progress adding to our operations in the largest Western European economies. We launched our formal presence in the Nordic countries of Denmark, Sweden and Norway, and further expanded into the dock region with the addition of Austria. We built on our exact launch in Mexico with expansion to Peru, our first country in South America.

In the coming months we'll launch in additional Latin American countries. We're supporting new languages, adding new geographies and integrating new payment methods for local markets. We're in the early innings of global expansion and our growth rates in EMEA, APAC, and non-US Americas provide us confidence that expansion will pay off in the near and long term.

We continue to add new enterprise merchants to our platform in the second quarter. Mountain Equipment Company, Canada's largest supplier of outdoor gear, launched its headless integration using BigCommerce checkout support storefronts in English and French. Well Pharmacy, one of the UK's largest pharmacies is now selling over the counter and prescription medications on its BigCommerce store, leveraging our open SaaS and headless capabilities.

Australian Motorcycle Helmet brand foresight helmets is leveraging headless to create its beautifully designed storefront. Lifetime Brands, a leading global designer, developer and marketer of a wide range of household products from KitchenAid, Farberware and other brands, launched a new store using B2B addition.

Tile Warehouse, a subsidiary of major UK tile brand Topps Tiles, launched a pop-up storefront to sell clearance tiles directly to consumers, leveraging a fulfillment partner to pull through real-time inventories and providing custom URLs for product categories and attributes. Finally Zumnorde, the popular German shoe retailer, turned to BigCommerce to internationalize and relaunch its web shop on a modern platform that doesn’t require constant upkeep and that can be customized to provide an incredible customer experience.

I'd now like to share some thoughts about the current operating environment, which is challenging for us as it is for others. Although the majority of our subscription-based business is not directly dependent on the GMV trends of our merchant stores, we are impacted in other ways by downturns in eCommerce spend that can be caused by the economy, return to shopping and physical stores and/or other adverse economic changes. Specifically, reduced growth rates in our merchant sales impact our partner and services revenue, balance of subscription upgrades and downgrades, order-based enterprise fees and trendline for customer retention and bad debt.

We try our best to make decisions to balance the achievement of our near-term financial goals with the maximization of our long-term business and shareholder potential. We believe we need to lead with humility, grounding decisions and our understanding of customer and partner needs and our mission to make open SaaS the best solution for the next era of e-commerce. Along the way, we have had to respond to unforeseen challenges and occasionally make new bets on opportunities that earn our conviction.

Halfway into this challenging year, we've managed to achieve our goals so far. Thanks to our management team's collaboration and adjustment we continue to believe that we will achieve the top line and bottom line guidance we set at the beginning of the year, despite the impact current market conditions have on select components of our P&L.

We understand that the market is focused on potential risk areas created by current economic headwinds. Nearly all e-commerce companies have been talking about these risks to their businesses. We too face these risks, but on balance, I believe the strengths of our business model are demonstrated well in this market. And I'd like to dive deeper into why that is.

First 70% of our revenue mix comes from enterprise merchants, which are predominantly established successful businesses from a wide range of categories, geographies, and B2C and B2B use cases. Similarly, but separately, 70% of our revenue comes from recurring subscription revenue, which provides a stable, predictable top line.

The combination of durability from enterprise customers and predictability from subscriptions makes us less vulnerable to short term economic swings then would be a consumption or GMV-based revenue model. Second, the components of our subscription plans that do adjust with GMV tiers or order counts are calculated using a trailing 12 month look back. This has a moderating effect against short term and seasonal fluctuations in consumer spending. Sharp movements upward take time to be fully realized in our pricing and revenue, which we saw during the pandemic, noting that a revenue did not increase as fast as total e-commerce GV did.

On the flip side, sharp short term movements downward are also dampened by our trailing 12 month convention. For us, the most immediate direct impact to our revenue from our customer's GMV fluctuations occurs in partner and service revenue, the biggest component being rev share from our payments partners. We are doing our best to account for eCommerce spending risk in our outlook and RA will speak to that in detail shortly.

Third, nearly all of our direct sales occur in US dollars today. Foreign exchange risk is limited to partner share like in payments that are earned in non-US GMV, essentials plan subscription upgrades prompted by GMV earned in foreign currencies and are non-US operating expenses. These FX sensitivities impact a small percentage of our total revenue and expense base today. We do not believe a strong US dollar is a material risk to us at this time.

Finally, our product is considered mission critical buyer merchants success in eCommerce is imperative to all businesses strategically and financially, especially post COVID. exact CIO surveys indicate continued robust spending and software, and we offer a material total cost of ownership advantage over legacy enterprise software competitors. As merchant budgets tighten our platform should remain attractive and mission critical for most of our customers.

Shifting gears now to our board of directors, as we announced earlier this week, we've added two fantastic new directors to our board. Sally Gilligan, Chief Growth Transformation Officer of the Gap and Satish Malhotra, Chief Executive Officer of the Container Store. Our goal was to enhance our board with the experience and perspectives of retail veterans. Sally and Satish respectively represent the technical and CEO retail buyer personas to whom we sell while also bringing deep functional expertise to our board governance. We're excited about all they will contribute.

Meanwhile, I want to sincerely thank Steve Murray and Jack McDonald for their years of service on our board. Steve was a partner at the venture firms who led our series C and D rounds and served as our lead independent director. Jack is iPod and ran two successful public software companies and served as a valued mentor to me through our process. They were instrumental in our growth to public company status and were grateful for their leadership and service to BigCommerce.

As I wrap up, I would like to reiterate my belief that our team and business performed very well. This past quarter, we delivered strong results in a challenging operating environment. Investments made across our strategic priorities, continue to deliver customer and business value. We're increasingly viewed as a true leader in the e-commerce industry, and I'm especially grateful for everything our employees and partners have done to earn that during times of dramatic change.

With that, I'll turn it over to RA.

Robert Alvarez

Thanks Brent. And thank you everyone for joining us today. During my prepared remarks. I'll walk through details on our Q2 results. In that discussion, I'll also speak to how some of our metrics are derived so that investors could more easily understand the underlying trends in revenue and bookings. In addition, I'll provide details on how current conditions are impacting the business. Efforts we are taking to optimize our spending. And finally I'll provide greater detail on our guidance on back half revenue and profit assumptions.

We always strive for transparency when discussing our results and outlook. So we want to take extra steps to provide clarity in this current macroeconomic environment. In Q2, total revenue was $68.2 million up 39% year-over-year. Subscription revenue grew 51% year-over-year to $51.3 million, driven by our mix shift to enterprise accounts. Supported by strong results from our Feedonomics acquisition, we have now posted 10 consecutive quarters of 30% or higher total revenue growth and 15 consecutive quarters of 40% or higher enterprise ARR growth.

Partner in Services Revenue or PSR was up 12% year-over-year to $16.9 million. Though platform transaction volumes have largely been in line with the conservative expectations we set at the beginning of the year, we saw slightly lower than expected volumes in GMV in Q2. Overall, we have been encouraged by the durability that we are seeing in transaction volumes thus far in the year, but given the economic climate, we are taking conservative approach to our PSR outlook in the back half of the year. And I'll discuss this in more detail later in the guidance section of my remarks.

Revenue in the Americas was up 41% in the quarter while EMEA revenue grew 42% and APAC revenue was up 18%. Our international progress is strong as we entered five new markets in July, and I'm proud of the traction our teams are delivering overseas. I'll now review our non-GAAP KPIs.

Our ARR agreed to $296 million of 41% year-over-year, driven by continued strength in our enterprise customer base. That represents a sequential growth in total ARR of $15.5 million, which is the highest growth in our company history, excluding the quarter of our acquisition of Feedonomics. In particular, I would draw your attention to the composition of that big sequential growth in ARR.

As a reminder, we calculate ARR at the end of each month, as the sum of two things. First, it includes our end of period, monthly recurring revenue multiplied by 12 to prospectively annualize subscription revenue. We often refer to this as our subscription ARR. Second, we then add the trailing 12 months of PSR. The sum of subscription ARR, and the trailing 12 months of PSR is our total ARR.

When looking for leading indicator trends in net bookings, investors often look to either changes in deferred revenue or remaining performance obligations or RPOs. These metrics are not good indicators of BigCommerce's booking trends because most of our merchants today are billed month-to-month and we also see large multi-year partnership agreements in deferred revenue or RPO that can make period to period comparisons challenging.

Instead, one of the best ways to see the underlying trend in our net bookings is by looking at the quarter-over-quarter sequential change in subscription ARR. That difference is a reasonable indicator of our change in net bookings in the latest quarter. In Q2 subscription ARR increased by $13.7 million, which was 29% higher than our previous record increase in Q4 of 2021 and also higher than any quarter during the height of the COVID 19 pandemic.

What this means is that we posted our highest sequential growth in ARR in our history and that growth was driven by gross new subscription bookings growth in enterprise and omnichannel, even as we are seeing less tailwind to PSR and pricing adjustments due to current macroeconomic conditions. Those conditions are largely outside of our control. But what we have tried to control is winning new deals, launching merchants on time and providing the best level of service for our merchants, which is how we manage to exceed our gross new targets and set an ARR record even the midst of this type of economic uncertainty.

At the end of Q2, we reported 5,418 enterprise accounts, up 1,503 accounts or 38% year-over-year, including Feedonomics. ARPA or average revenue per account for enterprise accounts was $38,133 up 22% year-over-year. Now that our enterprise accounts represent 70% of our total ARR, we will continue to share details and accounts with greater than $2,000 in annual contract value or ACV in our quarterly filings through the end of the year, but we will not review them in our earnings calls.

I'll now shift to the expense portion of the income statement. As a reminder, unless otherwise stated, all references to our expenses, operating results and per share amounts are on a non-GAAP basis. Q2 gross margin was 77% up 131 basis points from the previous quarter. Meanwhile, we reported gross profit of $52.3 million up 33% over the prior year. In Q2, sales and marketing expenses totaled $31.2 million up 56% year-over-year. This spending represents 46% of revenue up 481 basis points compared to last year. This increase was driven by additional head count, particularly due to investments in international expansion and enterprise.

Research and development expenses were $19.4 million or 28% of revenue, up 144 basis points from a year ago, driven by additional hiring to support our investments in our key strategic initiatives. Finally, general and administrative expenses were $15.5 million or 23% of revenue up from 21% of revenue a year ago. We expect to see growing operating leverage from G&A as we moderate hiring and other expenses in the coming quarters.

In Q2, we reported a non-GAAP operating loss of $13.7 million, a negative 20.1% operating margin. This compares with negative $4.2 million or a negative 8.6% operating margin in Q2 2021. Adjusted EBITDA was negative $13.2 million a negative 19.3% adjusted EBITDA margin compared to negative 7.1% in Q2 of 2021. Non-GAAP net loss for Q2 was negative $14.1 million or negative $0.19 per share compared to negative $4.2 million or negative $0.06 per share last year.

We ended Q2 with $360 million in cash, cash equivalents, restricted cash and marketable securities. Year-to-date, operating cash flow was negative $35.9 million declining from negative $17.4 million a year ago. We reported free cash flow of negative $39.3 million or a negative 29% free cash flow margin. This compares to negative $19.1 million and a negative 20% free cash flow margin in Q2 2021.

As we discussed in our exact Investor Day, we are committed to reaching breakeven by mid-2024 and continue our path to Rule of 40. Again, 70% of our revenue mix comes from enterprise merchants and separately 70% of our revenue also comes from consistent recurring subscription revenue. More than 60% of our total cost sits in staffing, which allows us to moderate spending where necessary by controlling our pace of hiring and thereby generate improvements to operating leverage behind our durable recurring revenue stream. This is a strong growing enterprise business and we are confident we can grow profitably behind our strong merchant base and healthy unit economics.

I'd now like to review some measures that we are taking to optimize and prioritize spending. First, we are prioritizing high ROI investments in the enterprise segment and focusing on the key strategic initiatives, we believe will increase our leadership position over time.

Over the past four years, we have seen an average LTV DAC ratio of eight to one for our enterprise business compared to two to one for our non-enterprise business. We have shifted dollars from non-enterprise marketing activities to prioritize enterprise. And we also rolled back Fremont promotions on non-enterprise plans during Q2 as well.

Consequently, we are seeing fewer new small business signups, but we are seeing improved cohort health and retention, higher revenue and improved profitability. Second, we have materially slowed down our pace of hiring. We exceeded our hiring expectations over the last nine months, even in the midst of a competitive hiring landscape. And we have brought on key roles needed for our investment plans in omnichannel international expansion, B2B headless, and largest enterprise.

We are confident we can continue our momentum and capitalize on the benefits of the significant investments we have made in our employees. Even as we moderate our pace of hiring, we estimate that this will generate an exit rate savings of six to 8 million heading into next year. I am confident that this and many other cost savings initiatives currently underway will keep us on pace to meet the timeline to profitability that I affirm previously over the course of the last six months, I've also received many questions about how inflation is affecting our business.

And I'd say we are seeing its effect most directly in labor costs. Thus far, we are taking necessary steps to offset this through tight budgeting, geographically, diverse hiring, and other cost savings initiatives. We are also managing pricing closely to ensure that we are seeing the full benefit of the value we provide our merchants. We will continue to take actions as necessary to manage and offset cost pressure in the coming quarters to deliver break even by mid 2024.

In conclusion, let's shift to our guidance and outlook for next quarter in the full year 2022 for the third quarter, we expect total revenue in the range of $68.3 million to $71.2 million implying year-over-year CAR over year organic growth rate of 15% to 20% with Feedonomics now in the 2021 base for Q3. Our non-GAAP operating loss is expected to be $14.4 million to $16.4 million for the full year 2022.

We expect total revenue between 277 million to $282.9 million translating to a year over year growth rate of approximately 26% to 29%. We expect a non-GAAP operating loss between $48.9 million and $52.9 million. This reflects a little less than a 1% change to full year revenue at the midpoint to risk adjuster remainder of the year compared to our prior quarter guidance. Despite this, we are holding consistent to our prior quarter guidance on non-GAAP operating loss for the year and tightening our range based on the cost containment efforts we've already taken.

Now I'll provide more context with respect to our current thinking for the back half of the year. First, let me address our assumptions around transaction volumes and their impact on PSR and subscription pricing adjustments. Thus far, transaction volumes have been largely in line with the conservative expectations on which we based our plans at the beginning of the year.

However, additional consumer spending headwinds in the back half could impair year over year growth in transaction volumes and GMB. We anticipate that this could have a potential negative impact of three to 4 million to revenue, primarily in revenue share. We capture in PSR, but also subscription revenue due to potentially fewer pricing upgrades and more downgrades and churn, which we have now factored.

In second, we expect the level of competition to remain high to the back half of the year. And we could see some additional headwinds to new merchant growth should sales cycles lengthen that said, we also see significant total cost of ownership and product advantages against legacy enterprise competition.

That could actually be a tailwind in a tight merchant spending environment. We are prioritizing these enterprise merchants and we expect to see a smaller, absolute number of new merchant ads in the back half due to the removal of our non-enterprise free month promotions. However, we expect to maintain healthy and growing ARR driven by a strong enterprise bookings mix and higher APA consistent with our Q2 mix of new merchant wins.

Third, we will continue to invest against our strategic priorities while we will continue to make the crucial investments needed to fuel long term durable revenue growth. We are also taking steps to pay, spending closely with revenue growth, to deliver our profit commitments. Our profit guidance has included the anticipated impact of those efforts throughout the back half. And we expect those efforts to begin showing additional momentum and improving operating loss results.

As we exit the year. Finally, I'd one skin like to thank all of our incredible employees, merchants and partners. We are delivering strong results, even in the midst of a challenging operating environment. I'm so proud of the work and dedication of this team and the level of commitment and character that continues to shine bright each and every quarter.

With that, Brett and I are happy to take any of your questions. Operator?

Question-and-Answer Session


[Operator instructions] First question comes from Gabriela Borges, Goldman Sachs. Please go ahead.

Gabriela Borges

Good afternoon. Thanks for taking the question. For Brent to start, I'm curious if you're seeing any change in the cadence of free platforming cycles and willingness for customers to invest in technology, putting aside the paw a services business, and really focusing on the subscription solutions business.

So two questions in that; one is any change in willingness to invest in the cadence platforming cycles and two, are you seeing any change over the last quarter in the number of RFPs you're being invited to, or your win rates because of the new technology upgrades you've announced in multi hub and multi inventory.

Brent Bellm

Hi Gabriela, the trends we're seeing in Q2 are consistent with the last couple of quarters, meaning a healthy continued demand in mid-market and enterprise for new and replatform decisions. This is in exact quarters of course, down from the first year of the pandemic, when there was a mad rush by companies caught flatfooted or late to adopt, but in terms of replatforming cycles, we continue to see that demand be healthy.

For small business, the demand is not what it was anywhere close to the peak of the pandemic, but for mid-market and enterprise it's strong. We are noticing ourselves getting into additional and healthy RFP opportunities as a result of the strong tech analyst ratings we've been getting of late, including Forester for both B2B and B2C from Paradigm for B2B i.e. Merck in Europe for B2C. Those are seemingly getting us into additional incremental consideration cycles and it's too early to say what those win rates will be because the RFPs tend to take some time to work their way through to a decision, but we're optimistic that our win rates could be assisted by this as well. Thanks for the question.

Gabriela Borges

That makes sense. Thank you. The follow up is for RA, would love to hear a little bit about the impact that pricing adjustments or upgrades have historically had on your business over the past two to three years. And how do we think about the potential magnitude for downside to the extent you see downgrades in your ability to manage through that?

Brent Bellm

Yeah. Hey Gabriela, a lot of cases some of the upgrades like the upgrades we did in Q1 for pro plans was really just to get the merchants on the right plans. Yeah, there could be some increase in upgrades, but really is to get them the service entitlements and level of service that we feel those merchants need. So they can grow into really large enterprise merchants.

I would say in hindsight, over the last two to three years, our upgrades as we move from an SMB platform to enterprise platform in large part has hasn't been material in terms of our overall revenue. It's being basically putting merchants on the right plans. And so going forward, I think our enterprise pricing is pretty well fine-tuned at this point.

Our go to market is pretty fine-tuned at this point. Upgrades for us last year, obviously was impacted by the in increased transaction levels with COVID this year now we're moderating that a bit especially in the back half, but hope, hope that answers your question.

Gabriela Borges

Appreciate the color.


Thank you. Our next question will be from Clarke Jeffries, Piper Sandler. Please go ahead.

Clarke Jeffries

Hello. Thank you for taking the question. First is maybe you could help us walk through the deal composition the quarter and maybe the occurrence of larger deals. A couple of new metrics this quarter, trying to understand what drove that big sequential growth in subscription ARR and what seems like maybe one of the lighter quarters in terms of raw net ads on the enterprise account number.

Brent Bellm

Yeah, I'll start Brent, but Q2 represented a great quarter in terms our ability to win large deals on both big commerce and Feedonomics both sides closed deals north of a $1 million of ACV, which is super encouraging 12 months into the Feedonomics from the Feedonomics acquisition, I'll tell you, we just couldn't be more impressed by the team and the product, the use cases of Feedonomics back 12 months ago, versus what we're seeing today are greatly different.

I think Feedonomics with BigCommerce we're able together to expand the total addressable market opportunities. When we think about just Q2, some of the notable wins for Q2 and in Feedonomics was new enterprise merchants, leveraging them for marketplace channel management, including listings on Amazon, Walmart, Target Plus, we had a very large win with a leading same-day delivery fulfillment partner in the US and in Latin America, them syncing real time local product information for millions of products.

Also a large win with a global affiliate and advertising platform, transforming data at scale for millions of products. So I share that with you because I want to provide everybody a sense that these use cases go well beyond just commerce. I think what we've learned with Feedonomics plus BigCommerce, there's a lot of opportunities in terms of aggregation, syndication, data transformation at scale for merchants, but also for our agencies, our channel partners, our technology -- and technology companies.

So when you look at that sequential increase, a third of that increase was Feedonomics subscription and two thirds of that was BigCommerce. So both sides had a really great quarter and two several really large deals.

Clarke Jeffries

Excellent, helpful color. Sounds like Feedonomics is really executing. Second follow-up is just tightening the range on the profitability guidance, but roughly holding the midpoint. Sounds like there was some commentary about a flowing of hiring $6 million to $8 million. I'm just wondering if there were any investments that are actually going up and offsetting the slowing and hiring to get to you to sort of keep that in line of operating income guidance.

Brent Bellm

No, thankfully I think we, we really got ahead of it, Clark. I mean, we went into the year knowing that it was an investment year for big commerce. We feel great about our execution in terms of staffing up our key strategic initiatives, but we also went in the year knowing that next year we needed to show leverage, because we've always had a goal to get to break even by mid 2024.

So I feel great about how we staffed up. We executed really well when we look at the five strategic initiatives that we covered at our analyst day. I think we've we we've executed extremely well across all five. And so if I take a step back and think about our progress, as Brent mentioned we believe we are the most modern e-commerce platform in the market today in our goal is that we want to be a clear leader in the enterprise category over the five years over the next five years.

And these are these investments that we're making are how we're going to get there. So, make no mistake we're investing for the future, but with the changing macro environment, we're also taking a hard look at the entire business. We're making sure that our spend is focused on the highest ROI areas. And then we're also looking at optimizing our cost structures to make sure that our unit economics Boost over time.

And our profitability also improves, but we went into the year knowing that we were going to drive leverage, starting to drive leverage in the back half. So I feel pretty, really, really good on our ability to kind of get ahead of it. And we don't feel like we got ahead of our skis, so really proud of the team.


Thank you. Next question from Terry Tillman of Truist. Please go ahead.


Hey guys, this is actually Connor [ph] on for Terry. Thanks for taking my question. First one for me just on international expansion. So congrats on growing your presence in Europe to Nordic [ph] I know international expansion is one of your key investment areas this year. Could you maybe just remind us what you look for in terms of ROI entering new geography and have these regions been mostly consistent with the US in terms of enterprise merchant demands? Or is there maybe a little bit more slow down there? Yeah, go ahead. Brent,

Brent Bellm

Why don't you take the ROI part of it RA and I'll answer the second part.

Robert Alvarez

Yeah. Connor, we covered this on the analyst day, but you know, we're basically we know that we're going to invest in the first year. We look for a, a payback anywhere from 18 to 24 months. Sometimes when we make heavy heavy investments, it could be up to 30, but on average, you know, we're kind of make, want to make sure that these expansion costs, we get paid back in kind of 18-24 months and the markets that we enter into we, we test and learn a lot before we make these investments.

We know they're strong product market fit. We've identified agency partners, tech partners, to make sure that our product can be ready in those markets. And so much like the markets that we've seen such great success in, we try to replicate that model. And I could say that that holds true for the markets that we entered into in Q2.

Brent Bellm

Yeah. And in terms of performance in market to market, none of them should be benchmarked against native English speaking countries like the us, which by the way, was our second market, not our first Australia was our first way back when or the UK. I mean the UK just was a rocket ship, but even when we formally entered the UK, we already had more than 3000 stores there.

We just didn't have a marketing website or employees. It's very new to enter foreign language countries, Italy, France, Spain, Germany. What we're seeing Netherlands, what we're seeing in general is that our markets are in line with our, sort of first year, second year performance, but there's variability from country to country that can have a lot to do with the early traction or lack thereof that we get with local agency partners and just how strong they are and how heavy they go in with us.

An example of a market that's off to spectacular success is Italy. And if every new launch country where like Italy, then we'd be way ahead of all of our targets. But in general, we're on track and that's true in Europe. It's on, it's true in Mexico as well. Thanks for the question.


Thank you. Next question comes from Daniel Reagan, Canaccord Genuity. Please go ahead.

Daniel Reagan

…forecast for the business, just given the macro backdrop, which verticals or cohort types were you seeing the most risk in, and then also as volumes come under pressure, how should we be seeing about risk of downgrades? Any color there would be great.

Brent Bellm

I got most of the question. I don't think, I got the beginning, but, I think I got the gist of it. So, what we've seen in our aggregate GMV volume, in the first 18 months to 24 months of COVID, we saw a sizeable step up in our aggregate GMB. We have not seen a deterioration of that. We've seen growth rates that have come down a little bit. But in terms of aggregate GV volume, pretty much across every major category we've seen growth and we continue to see growth.

There's some categories growing faster than others, but overall they're all growing off of a much larger base than they were, you know, 12 or 18 months ago. When we think about the back half, we AC, obviously have to factor in GMV assumptions for same store sales.

We also have to factor in the launch of new accounts and I'm really excited about the back half because we're actually launching one of our largest accounts ever in, in hi in our history. And it's going to once fully launched, it'll be north of a billion dollars on our platform. So when we think about and look at the GMV by category, we're seeing growth across most categories.

We're also factoring in the launch of new accounts with much higher GMV. And just like in Q2, as we sign larger and larger merchants, we're going to be able to add that GMV on top of the aggregate GMV. That's been stepped up over the last, 12 to 24 months. So as I think about the back half of the year, you know, we're looking at same store sales assumptions discounting that slightly, and then adding the impact of, you know, large accounts that you know, we're really excited to launch.

Daniel Reagan

Got you. Super helpful.

Robert Alvarez

1 thing I'll also add there as our mix is now 70% enterprise these are businesses, often national brands. These are companies with a wide product catalog that have kind of the durability, I think that will allow, their GMV to continue to increase on big commerce.

So as that mix continues to shift even further and further to enterprise as, and then you add on top of that large enterprise, accounts that are a million dollar in ACV and accounts that have a $1 billion running through the platform. That's definitely going to help us, I think navigate any fluctuations in same store sales or near term economic uncertainty.

Daniel Reagan

Got you. Super helpful. And just as a follow up and circling back to the replatform cycle, as we think about the Magento displacement opportunity with sun-setting of M1, can you just talk a little bit about how your approach acquiring these customers has evolved now that you have probably a little bit better way of the land? And then secondly, what levers can you pull to accelerate? Any agency efforts here? Thank you.

Brent Bellm

Yeah, with time, we keep trying to get better both at the core demand generation tactics that we're already good at, which I will highlight as well as add new tricks that have higher ROI. So the things that we already are well experienced at digital marketing outbound and inbound sales development rep sort of lead cultivation account targeting, and especially one of the things I think we're best in the industry at is working with our agency partners.

We're very good at co-selling with agencies building joint value proposition with agencies, but one of the big opportunities we have is to expand our agency network, both within established markets and new markets. And particularly at the high end, if you go to the very high end of large enterprise, you know, historically we were competing in mid-market in the lower end of large enterprise and the types of agencies that were doing the multi-million dollar installs and implementations, weren't working with us, they were working with in years past the Oracle ATGs and IBM WebSphere of the world, even though those aren't sold anymore or at Magento enterprise, maybe Salesforce SAP, and now that many of the tech analysts are actually rating us ahead of those platforms.

And far ahead of our more SMB centric platforms, we're entering the consideration set. And in fact, the priority set of, of many of these top agencies. And so we're trying to compete for the full spectrum of opportunities. And some of these sales can be very big and needle moving for us if and when we win them, there are also a bunch of other technology partner tricks and you know, working with our existing merchant base to expand our opportunity, set that our new tricks for us, we're trying to work on. And you know, and finally we want to increase our presence at events eCommerce events, industry events.

We want the word to get out that we are the world's most modern enterprise eCommerce platform and be in the consideration set for every relevant decision that big companies and small companies are making

Robert Alvarez

The only that's great. Brent, the only thing I would add to that point is we launched an omnichannel certified agency partner program. That's getting a lot of great interest in traction and essentially that allows our agency partners to help merchants on their omnichannel initiatives regardless of what platform they're using. So regardless if they're on Magento or anything on other platform they're able to work with, Feedonomics it's a great example of how big commerce and Feedonomics are working together.

They call Feedonomics leveraging our ecosystem of amazing partners, our partners, being able to leverage their technology to transform millions of skews of data and syndicate that to a lot of feeds at a scale that they just couldn't do on their existing platform.

So I think feed Andos and our omnichannel initiatives in this partner program could be a really good way to incentivize merchants to start working with Feedonomics and then, hopefully migrate over to big commerce sooner rather than later.


Thank you. The next question will be from Josh Beck with KeyBanc. Please go ahead.


Hey guys, this is Mattie on for Josh. Thanks for taking my question. My first question for you is what are going to be the key factors bridging what today's 15% to 20% organic growth outlook is here to your long term model expectations. Thanks.

Brent Bellm

Yeah, so I'm happy to take that. I I'll just point to enterprise. So even with Feedonomics in our base period in Q3 we still feel like we could grow our enterprise ARR potentially over 40%. Enterprise and Feedonomics, as we've mentioned before, we expect both segments to grow at a pretty high clip at a very comparable clip.

Knowing we've got some lapping effects this year it still gives us a ton of confidence that with the large mix of our revenue tied to subscription that large mix tied to enterprise the deals that we're winning today and that we have great pipeline to win in the second half we still stand pretty confident that, over the next five years, this is a business that, will deliver a 25% to 30% CAGR.


Awesome. And for my follow up, I'm curious if you guys could provide an update on how B2B Ninja and B2B Bundle acquisitions are tracking and then just overall B2B momentum. Thanks.

Brent Bellm

Yeah, they're tracking consistent with their trend line pre acquisition, which is a very healthy trend line. And we shared some of those B2B growth rates in our analyst day in Q1. I should say in in May, the most important thing to note is with bundle B2B. There's a fair amount of work that we do to now bring that product native into the platform and Boost the architecting and the compatibility of it with all themes with multi-store front additional geographies.

So there's refactoring of the product that they have to make it more usable with the best capabilities, both and both functionality and openness at big commerce. And we are fixated on that in the short term, continuing to sell it very successfully. And then, maybe after a year after acquisition, we'll start turning our attention to the addition of additional functionality in this.

We're just very pleased though, with where we are at B2B in general. For paradigm that it's mid-market and B2B combines to recognize us as an award winner in 22, out of 24 categories, that shows that the product is quite well rounded and mature as it is, and it's only going to get better.


Thank you. Next question will be from Koji Ikeda of Bank of America. Please go ahead.

Koji Ikeda

Yeah. Hey. Hey, thanks guys. Thanks for taking the questions. Just a couple from me. I wanted to ask the first question on the guidance and RA appreciate all of the color on the call regarding the guidance and the way to think about it. I guess my question is really about PSR regs, really thinking about how we should be thinking about this segment's growth in the second half. I clearly understand the factors that were driving the guidance there, but real short question is, could PSR revenue growth be flat or even down in the second half?

Robert Alvarez

No, we don't think so. Koji. When I think about the second half you know, we do start with our same store sales assumptions. And then we add on the impact of, you know, the large accounts that we launch and the impact to PSR. We do expect that impact in the kind of part of Q3, most of Q4.

So Q4, I suspect PSR kind of in the mid to high teens based on that remember we also have a mix of non GMV related revenue items in PSR. But when I think about Q4, I can see that kind of in the mid to high chains. When I think about Q3, we do have to lap a deal, couple of partnership deals that we signed Q2 of last year that could put Q3 in the single digits, but overall for the back half.

No, I don't, I don't see that being negative. If anything, I see it slightly down in Q3 just for the lapping effect of those deals from last year and then outpacing based on the large merchant launches in Q4.

Koji Ikeda

Okay. Got it. Thanks RA. And then just, one follow up there. So thinking about the subscription side of that, that equation, the little bit of a slower growth rate there just that's the subscription component for potential downgrades, affected by the GMB with the commentary that you said earlier in the call, is that the right way, right way to kind of think about the growth algorithm here.

Brent Bellm

You got it. Yeah because the GMB assumptions affect PSR obviously, but definitely touches on assumptions around upgrades, downgrades and potential churn. The good news is, you know, with our large mix of enterprise, our retention metrics still look really good. But again, when you're kind of scenario planning and what if planning around that it does touch on churn a little bit, but since our mix is so heavily weighted to large enterprise merchants, we feel pretty good about that, but it does affect upgrades and downgrades.

Koji Ikeda

Got it. Thanks guys. Thanks for taking the questions.


Thank you. Our next question will be from Parker Lane with Stifel. Please go ahead.

Unidentified Analyst

Hey, it's Max on for Parker, just staying right there on the potential churn, thinking about this strong enterprise traction and kind of the way you're shifting away from some S and B free trials and stuff. What do you think the churn will be for those smaller customers or is, is it just a matter of new small customers not coming on? And is there an idea of what you think the overall percentage of enterprise should be in the long run?

Brent Bellm

Yeah, it wasn't so long ago that we were saying that enterprise could be 70% and we're here already. I think in our analyst day I mentioned that I think there is a clear path to 80 potentially 90% of our revenue could be enterprise on the small business side. I don't want anyone to think that we're not still winning small business merchants or not seeing revenue from small business merchants, that promotion what we found when we dug into it was, a lot of signups, but really low conversion after the promo period. So in terms of effective kind of P&L management, didn't make a lot of sense to have that hanging out there where you have gross new signups that don't convert to revenue.

What we're seeing now is we're getting signups and they're converting and they're paying and the revenue from the signups that we're getting now for small businesses are, is actually much greater than the revenue we were getting when the promos were in place.

So I think with the promos we attracted probably small businesses that, you know weren't real businesses or weren't serious about e-commerce what we're seeing now is small businesses that, you know, are serious, have real businesses and you know, are growing on our platform. So I think overall I would characterize it as a win in terms of attracting small business merchants that, you know, do drive revenue.

And we expect that that two to one LTB to C will get better. Now that we're doing a better job of identifying those merchants, signing up those merchants and not spending too much money on acquiring merchants that won't convert.

Unidentified Analyst

Got it. That makes a lot of sense. And then thinking back to the strength you mentioned in Feedonomics and how well it's performing, are you still intending on investing around $5 million to $6 million that you mentioned during the analyst day, or is that potentially going to be lower as you look to cut some costs or is it potentially going to be higher given the success?

Brent Bellm

It wouldn't be higher. Feedonomics is now part of our omnichannel strategy. I mean, they just came off a quarter where they signed the three largest deals in their history. So that no reason for us not to continue to invest in Feedonomics and in our omnichannel initiatives, omnichannel in a lot of ways, if you think about a potential tightening spending environment we believe BigCommerce provides an excellent ROI total cost of ownership advantage for merchants around eCommerce.

We also believe Feedonomics is super attractive for merchants who want to increase in their return on ad spend increase in conversion. And so both of our Feedonomics business and big commerce business, I think that there is some really, really strong advantages to what we offer for merchants. If they're taking a hard look at mission critical investments that they need to make,

Unidentified Analyst

I appreciate the color. Thanks.


Thank you. Our next question will be from Samad Samana of Jefferies. Please go ahead.

Samad Samana

Hi. Great. Thanks for squeezing me. Hi, RA. Hi, Brent. Maybe just first question just with your existing larger merchants, you know, they're usually planning for multiple years, even if things are maybe a little bit slower in the, in the short term

So I guess, Brent, I'm curious when you think about multi-store, are you seeing customers still adopted and at least still launching new stores with the eye that is a transitory change in behavior, and that e-commerce is still going gain share over time, or just, how are you seeing the behavior of existing customers, even as they're thinking beyond let's call it the next couple of quarters and as they're -- as they're building their business for long term?

Brent Bellm

After the pandemic, every business views online and eCommerce as strategically essential to their future, what's so powerful about multi-store is it lets businesses add brands and or customer segments like B2B and or geographies in a far easier and more seamless way than they ever could before because they can do it all within one account and leveraging a common set of tools and backend integrations.

When we first went into general availability at the end of Q1, it was available only to new stores and therefore our existing customers were sort of salivating for when it would be ready for them. And then last quarter we launched it now for existing enterprise stores and we're seeing very healthy demand for this among them.

It's too early to say, like at what point, what percentage of our customers will have multiple stores using multi-store front? You could, many of them already had multiple stores that were redundant or, or sort of independent accounts, but now having single account multiple storefronts, we don't know what long term maturity will be in terms of penetration and number per, but I think it will be quite large because most of our mid-market enterprise customers are big.

They are complex, they do have multiple brands, geographies and or segments to sell into. And, and so we think we're early days of a long term adoption trend there.

Samad Samana

Great, appreciate that. Thank you.


Thank you. The next question comes from Emil [ph] of Barclays. Please go ahead.

Unidentified Analyst

Hey thanks. Well for me to, for squeezing me and more bigger picture question if you think about the things going on in the industry and we just saw the big news at Shopify. How do you think it from an industry perspective now? Are we still on the kind of the hangover to some degree from the pandemic and the big boom in eCommerce and we kind of everyone kind of scaled up too quickly and now kind of suffering from that or are we kind of be way beyond that and this is now more Studying for what's going to happen to the economy? Like, could you just kind of see how you frame it in your mind?

Brent Bellm

Thank you. Yeah. And, I've received this question probably more than any other question over the last couple of years and my answer's pretty consistent. If you look at the data and just take the us the best official slash public data source is the us census, which comes out with its quarterly eCommerce estimates for B2C in 2020, the year of the pandemic B2C grew 32% in the us if trendline growth rate had been 13% to 15%.

All right. Let's just say that average is 14%. Well, 32% isn't even one and a half years of accelerated growth. Then when you got to 2221, so, alright, you've accelerated by about a year and a half in terms of eCommerce adoption and the height of the pandemic. Q1 continued to have growth rates north of 40% because they were overlapping some months pre pandemic.

But then by the end of the year, you dropped down to 10% growth rates in the last couple of quarters of last year and the year average 14%, which was smack dab, normal pre pandemic. So you're already back to pre-pandemic levels. You've only booked about a year and a half worth of acceleration. And you're now growing at a rate lower than you were pre pandemic as you lapse the highs, Q1 was 6.6%. Q2 is not yet reported.

My point is that the net of all of this is that B2C has accelerated by about a year through these two plus years of pandemic. It's our expectation by the end of this year, that the laughing of the peaks from a year ago and the return to store will be done, will hopefully be back to normal growth rates in that, you know, call it 12 to 15% range at the end of this year, but it was never a five to 10 year acceleration.

And we didn't run our business as if it were we're eager to see those growth rates return. I think the, the biggest thing happening right now is just the softness in the economy. And anybody would say, well, if we were 10% growth-ish in Q3, Q4 of last year, but 6.6% in Q1 of this year, there's reason to believe that the softness in the economy is responsible for several of those points of GMV reduction.

And at some point the economy comes back, growth comes back, we cycle through all of this in the long run the expectation at a macro level, at a global level, it's going to continue to be one to two points of total share gain per year of online, relative to offline and that's likely to persist for many years to come. So again, you won't find in economic history, many bigger, larger transformations over time, it's happening at a quite steady rate. It was almost a metronomic 13% to 15% growth rate a year pre-pandemic. And if we can get back to those growth rates everybody will look at this as a very attractive, predictable long term macro trend.

Unidentified Analyst

Okay. Yeah, it makes total sense. Thank you. And then Robert, like one quick, last question for me, like, as we go into macro downturn and like, obviously you talked about like some of the enterprise contracts that might not hit the volumes, et cetera. Can you and, and hence then kind of get, get stepped down, et cetera.

Can you remind us, like how tightly are these contracts negotiated? Was there a lot of buffer in there or are they kind of close to where they are, they kind of relatively realistically negotiated in? He there's a, you know, there's quite a few step downs. Like how should we think about that?

Brent Bellm

Thank you. Yeah. I would characterize it as we try to build in kind of a good estimate as we negotiate them in the of what they expect, what we expect in the first 12 months in terms of number of orders.

Remember our enterprise contracts are based, are order based. Now if they're, if volumes are elevated, they could get there faster. And again, we're using kind of a trailing 12 month view to kind of moderate or, or, or temper down any kind swings in the near term. In terms of like the next tier of orders, it's really based off the first tier that we negotiate.

So some of our contracts are, low average order value high, average order value. So you really have to do it. It's merchant specific, and it's really working with the merchants in terms of what they're expecting to sell and what their history of sales have been.


Thank you. Next question will be from Matt Pfau of William Blair. Please go ahead.

Matt Pfau

Thanks Brent for fitting me in guys appreciate it. Wanted to just follow up RA and your comments around competition. Was there any changes in competition that drove those comments and then if there are any changes, are they specific to any of your segments? Thanks.

Robert Alvarez

Yeah, I don't think the usual suspects are still the same. I think what we're finding with the omnichannel, you know, partner program that we've launched is we're finding ways to allow merchants and our partners to leverage our omnichannel capabilities, that's platform agnostic. So you don't even have to be on big commerce to take advantage of that. And I think it's for us, what we're seeing is there's a high demand.

If you're a, if you're on an old legacy e-commerce platform if you're on a platform that doesn't have the capabilities to optimize feeds and drive great transaction flow through all the different channels you're very frustrated because you need to grow your business and you want to look for ways to do that. And Feedonomics is I think a clear leader in their ability to help merchants with that.

And so our ability to work with them, our ability to open up our ecosystem, have our partners sell Feedonomics into their base of merchants is I think for us just a really pleasant surprise. It's not something that we thought we would have an opportunity to do 12 months ago, but we have a strong opportunity to do that today.


Thank you. Next question will come from Keith Weiss - Morgan Stanley. Please go ahead.

Unidentified Analyst

Hi, this is actually Ryan [ph] for Keith Weiss. Thanks for taking my question. Maybe just first you've talked before about that cross-selling feed doo's into your install base provides an average lift of 20 to 40%. And then at the time of the acquisition you had maybe 1000 customers overlapping how has this trended since and where could this go over time now? You've got a better view in the business.

Brent Bellm

Yeah, we still feel really good about those stats. I would say that the teams have really leaned in are, couldn't be more proud of our big commerce team leaning in with Feedonomics I'll tell you, you know, 12 months after the acquisition, it's pretty rare that the teams are intact, are excited, are motivated. The culture at Feedonomics is real, super strong. The excitement within big commerce to self EDOs is incredibly high and merchants, our enterprise merchants are, are, are really interested.

So we're seeing good pipeline, we're seeing good adoption but we had to build the cross sell motions. So operationally, we had to get that motion in place, the system in place. And, once we did that, I feel like we're seeing some, really good demand signals to stand behind those stats that you mentioned.

Robert Alvarez

I'd add to that. I'd add that the other big opportunity is when we release selfer versions of Feedonomics, which are targeted at small and mid-market merchants, but frankly, even a larger merchant could start taking advantage of a subset of Feedonomics capabilities at reasonable initial cost. Once we have that version out. So when we have self-serve for Feedonomics.

we'll target a few initial channels to be announced, probably advertising channels that are most popular and most widely used, and that could drive the count of adoption up very substantially once it's released.

Unidentified Analyst

Oh, thank you. And maybe on that kind of same line of thought, have you kind of evaluated what the average uplift is for cross selling multi-store front omnichannel B2B in those other areas you talked about that could drive growth of 10% of revenue over time?

Brent Bellm

I don't think we have a number off the top of our heads to share or even if we've thought about it exactly that way but…

Robert Alvarez

No, nothing, no, no specifics to share there on that front. What we are seeing is continued strong pipeline in B2B. We often see merchants that come to big commerce for B2B and they realize how strong our B2C offering is, and they can run everything on one platform.

So, we still see a large number of opportunities that, that fit that use case. I thought we've talked a lot about omnichannel headless typically is a new deal, new sale, new opportunity when we respond to RFPs or when merchants really want a headless solution. But I'd say overall across kind of all those initiatives, we're, we're really seeing, you know, strong demand and signals that, that provide us a confidence that those are areas we'll, we'll need to continue to invest in.

Unidentified Analyst

Thank you. Helpful. Appreciate your time.


Thank you. Next question will be coming from Brian Peterson, Raymond James. Please go ahead.

Brian Peterson

Hi, thanks for taking the question. This is John on for Brian. Just a follow up on the international expansion question asked earlier, given you've officially expanded into call it 11 plus nations over the last year, as we think about 2023 and beyond. How should we think about the pace of international expansion and the investments there?

And then just as a quick follow up, maybe clarify a bit of the comments from earlier on longer sales cycles thus far, are you seeing any length fitting in sales cycles? And if so, are they tied to any specific geos? Thank you.

Brent Bellm

In 2023, I think the balance of our emphasis and investment will be growth in the markets that we have already expanded into building out personnel potentially in language customer support in, in select countries and building our marketing and sales effectiveness in those countries.

We have a weight model that we call test and learn, which can involve putting up a marketing website that doesn't involve the same investment in genuine people and infrastructure in market. And I think we will ramp more of that up relative to big full country launches in 2023.

So the rate of announcing countries will determine as we finalize our plan, but I'm looking at geographies like Asia and Africa, where we don't have many flags planted and still see a lot of long term opportunity there. All right. You want to take the second question?

Robert Alvarez

Yeah. In terms of our sales cycles, we look at it with our mid-market team and our enterprise team. We're not seeing a lengthening of cycles. Some of the deals that we are now working on are just much larger deals. So the nature of those deals likely take a little longer, but when we kind of take a step back and think about alright, if we are going to have to face that headwind, could there be a little bit longer sales cycles potentially.

But, if that happens, if those sales cycles lengthen for those reasons, then there's also reasons where our TCO advantage is really going to shine. So I think what we're hearing and what we're seeing from our agency partners and the merchants that we're working with that, that TCO advantage is, is really, really powerful in a tight spinning environment.

Like I know at BigCommerce, we're looking at our, our spend on software and the mission critical software. And if you can provide me software that is 30, 50% cheaper and is better and more flexible and more modern than, you got my attention. So I think who knows what, how it's going to play out, but I think any lengthening of sales cycles could be balanced out with, maybe even higher pipeline.

Brian Peterson

Perfect. Thank you very much.


The next question will be from Ken Wong of Oppenheimer. Please go ahead.


Hi, this is Nancy [ph] on for Ken. Thanks for squeezing me in here at the end. Just one quick test question from me. You highlighted it Analyst Day that had list sales through 34% last year and accounted for about 9% of new sales MRR in the year. Can you provide us a little color on how headless is trending in 2022 and our new sales for headless still growing around three times faster than other use cases?

Robert Alvarez

That was a one-time disclosure. I'm not sure we'll update it on a quarterly basis, but I can absolutely confirm that headless demand stays very strong at BigCommerce and it's at all sizes. It's both at the low end of the market. Maybe customers are creating a front end on WordPress to the high end of the market where they're using leading CMSs like content stack content, full bloom reach, or sort of custom frameworks in react. And next.

It's really fantastic. The user experiences that businesses are creating. And it's our belief that this approach to composable or headless is viewed as sort of the leading edge and the most modern approach for companies that are capable of pulling it off. And certainly the tech analysts are saying the same thing. So, demand is strong and I'll leave it to RA when we next provide formal data updates on that. Thanks for the question.


That concludes our question-and-answer session. I would now like to turn to call back over to Mr. Brent Bellm, President, CEO and Chairman for closing remarks.

Brent Bellm

Great, thanks everybody who listened in. I want to conclude with three quick takeaways worth emphasizing. The first is Q2 again was our largest and best ever quarter of subscription ARR growth and we did that in a market environment that's not the most favorable. I think that's a great indication of just how strong our core business momentum is.

We also now have posted two quarters where we're so far this year where we've beat on the top line and bottom line guidance while holding firm to our full year guidance to the street. This is in a context where many other eCommerce players have disappointed or seen their own trend lines fall behind. And so we're really confidence in the underlying strength of our business and the things we have done to adapt to it, to stay true to our full year guidance because we certainly see headwinds in parts of our P&L as we outlined in the prepared remarks.

And then the third thing is we're really excited about the increasing recognition we're getting from tech analysts and experts that BigCommerce is today, the world's most modern enterprise eCommerce platform. We're hoping that increasingly leads to ever more consideration and adoption in the quarters ahead. So thanks again everybody for joining in. we thought it was a good quarter and we look forward to talking to you again in three months.


Thank you. The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.

Thu, 04 Aug 2022 14:58:00 -0500 en text/html
Killexams : Is It Possible To Swing a No-Spend Year? Financial Experts Weigh In

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It may seem daunting at first, but according to financial experts across the country, a no-spend year is manageable. Despite its name, a no-spend year does not actually mean that you aren’t allowed to spend any money. A no-spend year means that you do not spend money on anything except the essentials.

See Our List: 100 Most Influential Money Experts
Find Out: 9 Bills You Should Never Put on Autopay

To achieve a no-spend year, you first need to understand the difference between essential and non-essential purchases. Essentials would be things like your rent or mortgage payment, car loan, utilities, transportation costs and food. Non-essentials would be anything extra such as entertainment, dining, and clothes.

However, as our experts point out, completely restricting non-essential spending may do more harm than good. Allowing yourself a little wiggle room and setting achievable goals can help you change your spending habits for the long run.  

Set Long-Term Goals

The first key to a successful no-spend year is establishing why you want to do it. Ask yourself what you are trying to achieve and why. Jeremy Wagner, a financial analyst at Trading Pedia, says a no-spend year is “definitely doable, with a little planning and discipline.” He recommends focusing on long-term financial goals, “like paying off debts or building up your emergency fund.”

Putting your reasons in writing can help you stay on track. Whether you have one goal or several, going back to your “why” may help you stay off Amazon or skip the Starbucks line.

Know Your Spending Habits

If you don’t know where your money is going, you will have a hard time cutting back. Jennifer Spinelli, founder and CEO of Watson Buys, suggests tracking your spending. Whether you want to use an app or write out your budget manually, it will help you understand how you spend money.

From there, you can choose areas to reduce or eliminate spending if it isn’t necessary. Spinelli notes that unnecessary spending includes things like “dining out, shopping, and entertainment.” The money you save can then be put toward other things.

Automate to Save

Spinelli also advocates automating your savings, “This can be done by setting up a budget and linking it to your checking account.” Making it an automatic process, say with each paycheck, can help you stick to your plan and, as Spinelli says, “reduce your overall spending and make it easier to save money.”

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Avoid Being Too Restrictive

Jake Hill, CEO of DebtHammer, recommends that people take a more manageable approach when deciding to cut back. He compares it to dieting stating, “developing realistic healthy eating habits will prove much more successful and easy to adopt in the long-term than trying to stick to a highly restrictive diet.” He suggests finding the areas that you can cut back and then reducing instead of completely eliminating, such as eating out only two times per week instead of five.

Do a Shorter No-Spend Term

If a year seems too overwhelming, you may also want to consider trying a no-spend month. Just working to stick to a budget and getting out of the habit of impulse buying, even for a short period, can help you make better financial decisions.

Help yourself by setting realistic goals that you can achieve. You can set your own rules for your no-spend year, month, or week. The big picture is making smart choices that build the foundation for a solid financial future.

Choose Activities Wisely

You may be surprised how much you spend on entertainment. The good news is that there are many free or inexpensive ways to have fun. Wagner encourages “hiking, visiting a museum, or going to a movie matinee.” He also suggests taking “advantage of free events and concerts in your community.”

Eat In Instead of Out

Almost all experts agree that eating out is one of the largest unnecessary expenses that can quickly be reduced. Eating out is not only expensive, but it can also be unhealthy. By cooking your own meals, you can save money and calories. There are lots of tips and tricks, including buying in bulk and prepping meals for the week.

The consensus among financial experts seems to be that a no-spend year is reachable for those that are willing to make adjustments and stick to a budget free from excess. Even slight changes to your lifestyle can go a long way in helping you achieve financial stability.

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This article originally appeared on Is It Possible To Swing a No-Spend Year? Financial Experts Weigh In

Wed, 27 Jul 2022 11:09:00 -0500 en-US text/html
Killexams : 5 Mythbusters around plant-based nutrition for a #FitisFab lifestyle Protein is one of the most misunderstood macronutrients. We all know that we need protein, but do we truly understand why?
According to a exact IMRB survey, 9 out of 10 Indians consumed less than adequate protein daily. In fact, if you casually ask around the importance of protein, you will get the most common answer - building muscles.
While that isn’t technically wrong, protein does much more than build muscles. It provides us with essential amino acids that are required for ideal brain function, immunity, digestion, blood sugar regulation, and much more. That’s not all, there’s also confusion around the source of protein.


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While animal-based foods like fish, poultry, meat, dairy, and eggs are the source of proteins, one cannot forget plant-based protein nutrition! This protein week, plant-based drink Sofit undertook an initiative to highlight the importance of protein in our diet and bust some popular myths around plant-based protein. Here are some common misconceptions people have about plant-based protein nutrition and the facts behind them.

1. Myth - ‘I won’t get enough protein from plant-based nutrition’ Fact – This is, by far, the most common myth. The Recommended Daily Allowance (RDA) for protein for most people is 0.8 grams of protein per kilogram of healthy body weight. This is easily achievable by getting protein from a plant-based diet. that includes tofu, lentils, beans, nuts, seeds, and whole grains. In fact, adding Sofit to your daily diet, will fill up your protein intake upto 11% of daily protein requirement through one serving (200ml)

There are many plant-based options that provide you the required nutrition. One such healthy option is Sofit, a plant-based health drink that not only is delicious but also has proteins, vitamin A& E, and B12 that are required by your body. Here’s a video that will explain plant-based nutrition in detail.

2. Myth – ‘I want to include plant-based nutrition in my diet, but will it provide me energy?
Fact - Not true! A good source of nutrition can keep you lively and push you to stay active throughout the day. Consuming plant-based drinks like the Sofit Soya Drink and Almond Drink can not only refresh you, but also provide you the healthy energy to do more. Indulge in your regular chores, or enjoy your favorite sporting activities with a plant-based diet.

3. Myth – ‘I feel plant-based food is boring and bland’

Fact – It doesn’t have to be! For instance, Sofit Soya drink is a plant-based soya drink that comes in various flavours such as chocolate, kesar pista, and vanilla that are not only healthy but also satisfy your taste buds.
Moreover, you can always add a Sofit twist to your meals with various recipes to make dishes exciting and palatable. You can make delicious smoothies, breakfast bowls and coffee drinks by adding the goodness of Sofit to it.

4. Myth – ‘I feel I will be hungry with a plant-based diet’

Fact – Untrue! Plants are low in calorie density; therefore, many feel that they will go hungry even after full meals. However, vegetables, whole grains, and legumes are all high in fiber, making you feel fuller for a longer duration.
5. Myth – ‘I will lose muscles with a plant-based diet’
Fact - False! Many renowned people in sports and from different walks of life have embraced plant-based nutrition. Protein-rich plant foods can easily build muscle. One should also remember that muscle growth occurs with regular strength training, and not just protein intake. So, exercise and include leafy greens, beans, seeds and Sofit to lead a healthy lifestyle.
Now that we've cleared the confusion around plant-based nutrition, it's time to explore this #FitisFab lifestyle with healthy alternatives such as Sofit! This plant-based drink is vegan, naturally lactose-free, gluten-free, preservative-free, and has Vitamin A, E, and B12, which provide the required nutrients that your body needs.
Disclaimer: This article is produced on behalf of Hershey’s by Times Internet's Spotlight team.
Sun, 31 Jul 2022 02:37:00 -0500 text/html
Killexams : I'm a mom of 3 toddlers. Here are my best tips and tricks for traveling with kids.
I'm a mom of three kids under 5

Prior to having kids, I did a lot of traveling, both for work and for fun. I've been known to land in New York from a trip, go home, switch suitcases, and head back to the airport all on the same day. 

In my many hours of travel, I've perfected some skills that made things easier, like fitting enough clothes for two weeks on a tiny carry-on and having everything needed to sleep through a 12-hour overnight flight. 

But when I became a mom I panic about kids making it impossible for me to travel as much as I was used to. 

We took our first trip with our son was when he was 3 months old, and it was a disaster. We had the wrong gear with us, including a huge and heavy stroller that was a pain to check on the plane. We didn't even use it at our destination. We also failed to have a change of clothes for everyone on the plane with us — because accidents happen. 

Now that my kids are 4, 2, and 2, my family has perfected our traveling. These are some of my tried and true tips for traveling with little kids. 

I use packing cubes and color coordinate them
I use packing cubes and color coordinate them

Courtesy of Conz Preti

When it comes to packing, I've learned that with multiple kids it's best to keep everything organized while also packing as little as possible.

I use packing cubes for everyone — including my husband and me — and use specific colors for each of us. This makes it easy to unpack when we arrive.

I also make sure that the same type of garments are packed together. For example, socks and underwear go together, while pajamas, sleepsacks, and loveys go in a separate cube.

If we check bags, I put the adults' cubes in one and all of the kids' cubes in another. That way each adult has one suitcase to keep track of and we know where things are.

I also pack outfits for everyone in case of accidents on the plane or airport. I put each outfit in a separate ziplock bag and stuff it in that person's backpack so it's ready when needed. For the kids, the outfit includes socks and underwear, because you never know when you'll need to fully strip them.

I bring an activity box full of new things to keep kids entertained on the plane
I bring an activity box full of new things to keep kids entertained on the plane

Courtesy of Conz Preti

Prior to flying, I put together a box of new toys and activities for the kids that will only be available on the plane after we take off.

I usually go for things I can find in the $1 section at our local salvage store to keep it as affordable as possible and also not stress if we leave an item behind on the plane. These can be things like stickers, stuffed animals, crayons, and miniature cars.

The key is for the toys and activities to be new, so the kids are excited when they open their box.

I pack a lunchbox with snacks
I pack a lunchbox with snacks

Courtesy of Conz Preti

One of my parenting mottos is "When in doubt, hand your kid a snack." There's a 99% chance they'll eat it and you'll avoid a meltdown.

So when it comes to traveling, I pack their lunchboxes with their favorite snacks.

I try to keep it to mess-free foods, like crackers, chips, and wrapped cheeses, instead of things like yogurt or fruit.

On our most exact airplane ride the flight attendants stopped by our row to check out what our kids were eating, one even saying that their snacks looked better than anything they had to offer in the plane cart.

We revisit the lunchbox throughout the flight to make sure no one gets hangry.

There are no screen limits when flying
There are no screen limits when flying

Courtesy of Conz Preti

I pack tablets for each kid for when they are done with snacking or uninterested in the activity box. I've come to learn that when it comes to travel, there is no limit on screen or snack time.

We always make sure that all tablets are fully charged, each kid has their headphones in their backpack, and triple-check that all favorite shoes are loaded. Taking the extra step of making sure shows play while offline pre-flight will save you from tears on the plane.

Pack as light as possible and ship bulky essentials to your destination
Pack as light as possible and ship bulky essentials to your destination

Courtesy of Conz Preti

At one point we had three kids in diapers, which is the least convenient scenario for travel. I learned that when it comes to bulky items like diapers, wipes, formula or sunscreen, the easiest thing to do is to ship to your destination.

This is not always available, especially if you're traveling abroad. If that's the case, I pack as little as possible and prepare to buy whatever is needed on day one.

I also don't pack one outfit every day for each kid. We try to stay at places with laundry available so we can wash clothes every couple of days and re-use.

We rent car seats at our destination
We rent car seats at our destination

Courtesy of Conz Preti

Traveling with three kids can mean lugging a lot of things around, including car seats. We've decided that when possible, we rent car seats at our destination.

The benefits include not having to be constantly installing and uninstalling our own car seats, not risking the seats getting lost or ruined on the plane, and having our car ready when we land at home so we can leave the airport without any delays. Most importantly, it means fewer things to carry around.

I specify in my car reservation the ages of our kids so they can have the appropriate car seats ready when arriving at the counter.

When renting car seats is not available, we travel with lightweight car seats like the Cosco Scenera, which costs under $60 and fits three across in the car.

We also rent toys, stroller, and cribs
We also rent toys, stroller, and cribs

Courtesy of Conz Preti

After my first experience traveling with a full-sized stroller I decided to never do it again. Instead, I rent whatever we need, including a stroller, cribs, and toys, at our destination.

I use BabyQuip for everything. Think of it as Airbnb but for kid items. For example, we need a double stroller for the twins, so we search BabyQuip to see if anyone has one to rent at our destinations. Then we rent it through the site for a fee.

The items are delivered to you, and when it's time to leave, they are picked up.

For our trip to Florida I added sand toys to my rental, and they got used every single day. I didn't have to worry about creating more plastic waste because I knew the toys were going to get used by another family right after ours.

There are products I always bring with us
There are products I always bring with us

Courtesy of Stokke

In my years as a mom I've come to love certain products that I simply cannot live without. When it comes to traveling, I have three things that I bring with us, regardless of where we go.

The tagalong handle attaches to any stroller or wagon so your kid can grab on as you walk around. It is ideal for amusement parks, airports, or any crowded situation. It's small enough that you can always have it in your purse or diaper bag. All of my three kids love holding onto to it, which makes it easier to keep tabs on them.

When traveling overnight by plane, I bring the Stokke Jetkid, which turns any plane seat into a toddler bed. It also can be used as a ride on cart, making it easier to move around airports with kids. They are accepted by most major airlines, so I recommend checking the approved list before showing up to the airport.

We always bring Stokke's CloudSleeper toddler bed as well. It's a toddler-sized inflatable bed, and it has side bumpers which gives us peace of mind because we know our son won't roll off a bed in the middle of the night. It comes with its own packing cube, making it easier to put in a suitcase.

Always be flexible
Always be flexible

Courtesy of Conz Preti

With my first child, I was incredibly strict about a napping and eating schedule, including during flights. After many tears and tantrums from both of us, I've learned to let go of schedules when traveling and embrace flexibility.

Yes, avoiding flying during nap time would be great, but that can be unrealistic. At the same time, trying to get a toddler to nap on a plane might not always work. So just go with the flow and try to keep everyone happy and calm.

Thu, 14 Jul 2022 14:32:00 -0500 text/html
Killexams : Get this 2021 Ultimate Adobe Designers Bundle for only $44.990 0

Adobe design

Today's highlighted deal comes via our Online Courses section of the Neowin Deals store, where you can save 98% off this 2021 Ultimate Adobe Designers Bundle. Up your digital artistry game and create better designs, icons, UI/UX, and more with 42 hours of content on Adobe Photoshop, XD, InDesign, and Lightroom.

This bundle includes the following courses:

  1. Design a Digital Productivity Journal for Your iPad
    Create Your Own Digital Journal to Track Daily Habits, Goals, reading Lists & More
  2. Create a Custom Motivational Watch Face for Your Apple Watch
    Use the Very Basics of Photoshop to Create Your New Motivational, Inspirational Watch Face
  3. Design Custom Stationery with Purpose in Procreate & Photoshop
    Build Your Own Stationery Collection Inspired by Your Wish for the Future as Your Creative Concept
  4. Design & Create Personalized Merch Using Photoshop
    Turn Your Favorite Hobby Into Customized Merch
  5. Adobe Photoshop CC: Complete Beginner to Advanced Training
    10x Fun Real Life Photoshop Projects to Learn the Essential Adobe Photoshop Skills as a Complete Beginner
  6. Learn User Experience Design from A-Z: Adobe XD UI/UX Design
    Become a Professional UX/UI Designer & Create Beautiful Websites from Scratch
  7. InDesign CC Essentials for Beginners: Basics & Tricks
    Get to Grips with InDesign, Its Templates, Tools & CC Libraries and Create Strong, Stunning Graphic Materials
  8. App Icon Creation & Basics of UI-UX Design
    Learn UI-UX Design & Create Beautiful Mobile App Icons for Your Applications Using Adobe Illustrator, Photoshop, and XD
  9. Adobe Lightroom Classic CC Masterclass: Beginner to Expert
    Sort, Filter, Organize, & Edit Photos Like a Pro in This Comprehensive Guide to Adobe Lightroom
  10. Web Design in Affinity Designer Master Class
    Design Modern Websites in Affinity Designer & Add Them to Your Own Portfolio
  11. Affinity Designer Fundamentals. Go from Zero to Superhero
    Start Your Adventure with Real Computer Graphics Today!
  12. How to Design Retro Badges in Adobe Illustrator
    Design Stunning Retro & Flat Design Badges in Adobe Illustrator CC

This 2021 Ultimate Adobe Designers Bundle normally costs $2,400, but you can pick it up for just $44.99 for a limited time, that represents a saving of $2,355.01 (98%) off! For a full description, specs, and instructor info, click the link below.

Get this deal, or learn more about it

Not for you?

That's OK, there are other deals on offer you can check out here.

Neowin Deals · Free eBooks · Neowin Store

Disclosure: This is a StackCommerce deal or giveaway in partnership with Neowin; an account at StackCommerce is required to participate in any deals or giveaways. For a full description of StackCommerce's privacy guidelines, go here. Neowin benefits from shared revenue of each sale made through our branded deals site, and it all goes toward the running costs.

Wed, 02 Jun 2021 05:49:00 -0500 en text/html
Killexams : From Strollers to High Chairs, These Are the Best Prime Day Baby Deals

Photo credit: Amazon

"Hearst Magazines and Yahoo may earn commission or revenue on some items through the links below."

It's that time of year—Amazon Prime Day 2022 is here.

Prime Day is the perfect time for new and expecting parents to start stocking up on baby essentials ahead of their little one's arrival. As any current or expecting parent knows, baby gear can get very expensive. So, snagging a stroller for a major steal is more than worth it when you're talking about saving genuine hundreds of dollars possibly.

When Is Amazon Prime Day 2022?

If you're looking to get a great price on car seats, baby bags, and even bottles, then you'll want to start shopping now to get the best deals.

Lucky for you, we're keeping a close eye on Prime Day deals, and we're rounding up the best baby deals here. We've rounded up some of the hottest Prime Day baby deals below, but continue to check back here as new deals go live. We're talking over 40% off on Owlet products, 30% off Baby Jogger strollers, and more. Amazon will release a variety of deals that last from hours to days, so act fast if you see a Lightning Deal or Deal of the Day—those can expire quickly.

And if you're shopping for something else, check out our other guides to Prime Day 2022:

Amazon has released Prime Exclusive Deals this year that are only available for Prime members, so prices may be lower on some items than currently displayed.

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Wed, 13 Jul 2022 04:47:00 -0500 en-US text/html
Killexams : Red Bull ends F1 reserve Vips’ contract after racial slur investigation No result found, try new keyword!“Following its investigation into an online incident involving Juri Vips, Oracle Red Bull Racing has terminated Juri’s contract as its test and reserve driver,” reads the statement. Tue, 28 Jun 2022 04:51:00 -0500 en-ph text/html
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