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Exam Code: SuiteFoundation Practice test 2023 by Killexams.com team
SuiteFoundation NetSuite SuiteFoundation

Exam Specification:

- test Name: NetSuite SuiteFoundation
- test Code: SuiteFoundation
- test Duration: 2 hours
- test Format: Multiple-choice questions

Course Outline:

1. Introduction to NetSuite
- Overview of NetSuite as an ERP solution
- Understanding the SuiteFoundation certification program and test structure

2. NetSuite Basics
- Navigating the NetSuite user interface
- Understanding record types and forms
- Working with lists and searches in NetSuite

3. NetSuite Setup and Configuration
- Configuring company settings and preferences
- Setting up roles and permissions
- Managing user access and security

4. NetSuite Customization
- Customizing forms, fields, and records
- Creating and managing workflows
- Designing custom reports and dashboards

5. NetSuite Data Management
- Importing and exporting data in NetSuite
- Understanding data migration strategies
- Working with CSV and Excel files

6. NetSuite SuiteAnalytics
- Overview of SuiteAnalytics tools
- Building saved searches and reports
- Analyzing data with SuiteAnalytics Workbook

7. NetSuite SuiteFlow
- Introduction to SuiteFlow automation tool
- Creating and managing workflows and approvals
- Designing custom business processes

Exam Objectives:

1. Understand the basic features and functionalities of NetSuite.
2. Navigate and work effectively within the NetSuite user interface.
3. Configure company settings and preferences in NetSuite.
4. Set up roles, permissions, and user access in NetSuite.
5. Customize forms, fields, and records in NetSuite.
6. Create and manage workflows to automate business processes in NetSuite.
7. Design and generate custom reports and dashboards in NetSuite.
8. Import and export data in NetSuite and understand data migration strategies.
9. Utilize SuiteAnalytics tools for data analysis and reporting.
10. Create and manage workflows and approvals using SuiteFlow.

Exam Syllabus:

The test syllabus covers the following syllabus (but is not limited to):

- Introduction to NetSuite
- NetSuite basics
- NetSuite setup and configuration
- NetSuite customization
- NetSuite data management
- NetSuite SuiteAnalytics
- NetSuite SuiteFlow

NetSuite SuiteFoundation
NetSuite SuiteFoundation approach
Killexams : NetSuite SuiteFoundation approach - BingNews https://killexams.com/pass4sure/exam-detail/SuiteFoundation Search results Killexams : NetSuite SuiteFoundation approach - BingNews https://killexams.com/pass4sure/exam-detail/SuiteFoundation https://killexams.com/exam_list/NetSuite Killexams : NetSuite CRM Review

With the core ERP platform’s features and other available add-on modules, NetSuite is one of the most robust CRM options we reviewed. It allows businesses to support the entire customer life cycle, from lead generation to fulfillment to renewal. Although most CRM platforms we reviewed offer hundreds, or even thousands, of third-party software integrations, NetSuite takes that a step further by handling everything in-house with native integrations. These add-on modules support a comprehensive workflow via a central data source that’s accessible to all authorized users at any time from a computer or mobile device.

NetSuite Editor’s Score: 9.3/10

Ease of use








Customer service


Why We Chose NetSuite as Best CRM for E-Commerce

NetSuite’s ERP platform provides professional tools for financial management, order inventory, warehouse management and supply chain management. As a truly unified platform, NetSuite eliminates the need for third-party software integrations. Through its e-commerce add-on module, NetSuite has native integrations for nearly every imaginable sales-related process and workflow required for B2C and B2B companies. The feature will help you optimize inventory management by connecting inventory and order management data so you can fulfill orders quickly for same-day shipping. This module also includes tools to build engaging websites that are capable of providing an intuitive shopping experience with image galleries, product comparisons, advanced site search and social sharing.

e-commerce website example

You can build B2C and B2B e-commerce sites that make it easy for potential shoppers to learn about and buy your products. Source: NetSuite

The NetSuite CRM includes built-in customer service management tools to Strengthen customer satisfaction and lower service costs. You can expedite resolutions by assigning, managing and routing customer support cases via phone, fax, email and the web. The included reporting tools allow you to monitor your customer service team’s metrics, including call times, customer satisfaction scores, subscription renewal rates and call volumes. You can also Strengthen customer self-service with case submissions, order status tracking and a searchable knowledge center with published articles and videos to resolve common issues or answer simple questions.

NetSuite case management tools

You can use NetSuite’s case management tools to keep an eye on your service team’s ability to resolve customer issues. Source: NetSuite


  • NetSuite is a unified, all-in-one commerce solution for sales, marketing and operations.
  • The highly customizable platform can be built to your exact specifications.
  • Native integrations ensure a common user interface and perfect functionality across all modules.


  • You have to call for NetSuite’s CRM pricing.
  • Using the CRM requires an annual license for other NetSuite products.
  • You will be charged a one-time fee for your initial NetSuite setup.

There is a $500 charge for an accounting cleanup and onboarding for the first month. After that, you’ll be charged monthly based on your average monthly expenses over three consecutive months.


As an enterprise-level CRM with many advanced tools and features, NetSuite is not among the easiest software applications for new users. If usability is important, consider our Keap review or monday.com Sales CRM review instead. However, anyone with experience using NetSuite’s ERP platform or other Oracle software services will feel at home. To keep sales staff on track each day, the CRM’s sales dashboard prioritizes reminders, which highlight the available opportunities to close, the tasks that need to be completed and the total contacts in the pipeline that have not had any sales activity in the past week. The main section of the dashboard lists your key performance indicators for sales, new opportunities and new leads.

If you have a large company, consider pushing for certification training for a few key internal users and administrators to ensure your team has the knowledge and skills to maximize your NetSuite investment.

You can easily drill down on any metric to get a deeper understanding of your performance or missed opportunities. The dashboard can also be customized to highlight the mix of tools, trends and information that is most important to your business goals. When the CRM is connected with NetSuite’s e-commerce solution, it becomes a single system of record for all customer activity and transaction data, thus improving sales effectiveness and enhancing the customer experience with real-time data integrations. With the included mobile app, you can access real-time business information, enter data, update customer information, submit expenses and take calls.

NetSuite’s default sales dashboard immediately reminds your team to follow up on leads, complete sales tasks and close on the best available opportunities. Source: NetSuite

NetSuite Features

Unlike most CRM software providers, NetSuite does not separate its features into distinct plans. Instead, NetSuite allows you to customize your software with the features and tools that matter to your business or industry. As a stand-alone CRM module, NetSuite has dozens of advanced features and customizable tools to support sales teams with the real-time data and insights they need to drive sales and provide exceptional, personalized service. This includes sales force automation, customer service support, marketing automations, comprehensive quotes, commission payouts, sales forecasts and mobile access. In the chart below, we’ve listed a few of the features that make NetSuite such a powerful CRM platform.

Sales force automation

Integrate sales processes from new leads to order management and fulfillment.

Configure, price, quote

Simplify complex product and service quotes for your clients directly in NetSuite.

Partner relationship management

Enable real-time information flow for joint marketing campaigns or sales activities.

Intelligent recommendations

Provide AI-powered product recommendations for sales representatives and online shoppers.

Sales Force Automation

As the heart of a CRM system, sales force automation empowers your sales staff with a clear overview and granular details of every aspect of your customer relationships. The dashboard provides actionable insights into lead, prospect and customer activity to better inform sales strategies and prioritize the day’s or week’s activities. The probability-based forecasting tools take the guesswork out of budgeting, with real-time sales data, customizable role-based dashboards, and CRM analytics for sales managers and agents. With direct access to all financial data through the ERP, all of your customers’ information is updated in real time for easy and accurate reports.

NetSuite forecasting tools

The software can provide your sales managers with up-to-date information to measure forecasts against quotas and meet sales goals. Source: NetSuite

Configure, Price, Quote (CPQ)

NetSuite’s CPQ feature provides you with an easy and error-proof process for selling highly configurable products with many variables, such as materials, colors, sizes and textures. The platform uses internal logic to prevent configuration errors, thereby saving you time and money on rechecking or reworking orders for products such as custom windows and front doors. With easy-to-use digital tools for creating 3D product visualizations and automating sales proposal generation, your sales teams can shift their focus from providing time-consuming quotes to nurturing leads and opportunities.

NetSuite customization tools

NetSuite CRM’s customization tools help you eliminate errors and save time. Source: NetSuite

Partner Relationship Management

This unique CRM feature provides a real-time information flow to boost partner collaboration efforts in sales and marketing activities. You can work with other brands or vendors, creating a conduit between organizations for joint marketing campaigns, lead management, pipeline management and order processing. The platform can also automatically handle any partner commissions and royalties with shared data to alleviate any headaches or miscommunication about owed payments. You can also calculate your commission or partner payments using the same internal parameters on sales, quantities, profitability or custom criteria.

NetSuite joint generation page

NetSuite CRM lets you launch joint demand generation pages that allow your partners to monitor leads, sales activities, acquisition costs and conversion rates. Source: NetSuite

Intelligent Recommendations

As part of NetSuite’s 2023.1 update, Intelligent Recommendations for sales and marketing uses artificial intelligence (AI) to calculate and display product recommendations. Sales representatives can use this feature to identify and recommend additional products for sales orders, estimates and opportunity records. Online retailers can use this feature to show shoppers products they’re likely to purchase. The algorithm pulls data from a customer’s previous purchases, similar transactions from other customers, and items with a similar name, description or category. With machine learning, this feature improves over time as it collects more data and changes its recommendations in an effort to boost your conversion rate. To use this feature, you’ll need at least 50 inventory items and some transaction history over the past 12 months.

NetSuite ensures your sales representatives and customers are able to find the right product quickly and easily.

NetSuite CRM Pricing

Unlike the vast majority of sales CRM software providers, NetSuite does not have publicly listed pricing or a variety of monthly plans separated by available features. NetSuite’s sales CRM software is considered an added module to the core platform that requires an annual license fee. The total cost for NetSuite with the CRM add-on is based on the number of account users. NetSuite also charges a one-time implementation fee to cover the cost of the initial setup. According to our research, small businesses can expect to pay well over $1,000 per month for the licensing fee, add-on modules and additional user fees. Prices will vary greatly based on the sales CRM features and additional tools you include in your Oracle NetSuite platform.


NetSuite requires a one-time implementation fee for the initial setup process. Because the setup for the CRM also requires NetSuite’s ERP, the full implementation process can take weeks, if not months, of planning, data migration, configuration, testing and training for your team to use the platform efficiently. In most cases, you’ll need to assign a reliable project manager to work with your NetSuite representatives to ensure a smooth implementation and launch. With so much time and effort involved, NetSuite’s CRM is best for companies that plan to commit to NetSuite as their main SaaS provider.

Customer Service

Any user can reach a NetSuite support specialist at any time from within the program via the help button. You can also contact a support specialist by phone or web chat at any time if you have your account information. However, NetSuite recommends customers use the online form or the company’s SuiteAnswers knowledge center for any how-to-related questions or technical issues.

For larger projects and custom integrations, you may want to consider reaching out to a certified NetSuite consultant or agency. NetSuite offers numerous product certifications for administrators, users, consultants and developers. The existence of these certification programs speaks to the complexity of the platform and its seemingly endless potential for customization in any industry. Many of the certification programs recommend at least one year of experience in managing NetSuite, in addition to coursework and a timed test that consists of multiple choice and matching questions.


For small businesses in particular, the lack of transparent pricing and estimated high costs are among the biggest drawbacks of NetSuite’s CRM. To accurately compare NetSuite with competing software, you’ll have to speak with an Oracle sales representative about the many features and tools you’ll require, and they’ll give you a custom quote. For many small business owners who may not know exactly what they need from their CRM and related software services during the consideration stage, NetSuite can be a difficult sell.

Businesses that aren’t ready to adopt NetSuite for more than the basic CRM software will likely need to purchase NetSuite Connector as an added module to integrate with selling tools such as Shopify, BigCommerce, Magento, WooCommerce, Amazon, eBay and Walmart. While NetSuite does have a robust set of native cloud-based tools for nearly any business process, accessing them typically comes with an added monthly module fee.


We considered all of the major CRM software providers for review in 2023. After performing our initial research into each platform, we selected 13 of the leading CRM solutions available today for small businesses, including Salesforce, monday.com Sales CRM, Freshsales, Zoho, Oracle NetSuite, HubSpot, Pipedrive and Zendesk. After spending many hours participating in live product demos and testing each platform, we identified the best use case for each of the 13 providers to help small businesses owners and managers choose the best CRM for their needs. We also took a deeper dive into nine of our top performers, reviewing them in detail to provide greater insight into the features and tools that separate the best CRM software from the competition. At its core, NetSuite is an ERP platform with native integrations for nearly every business process required to support online sales. The e-commerce module lets you easily manage inventory, collect payments and fulfill orders fast for same-day shipping in some cases.

NetSuite CRM FAQ

Are SAP and NetSuite the same?

No. SAP and NetSuite are separate business service providers that specialize in ERP solutions. The two companies have similar CRM modules that can be added to the core platform for an additional monthly fee.

Does Oracle own NetSuite?

Yes. Oracle announced its intention to purchase NetSuite for $9.3 billion in July 2016 in an effort to become a cloud software provider. The sale closed in November 2016, and NetSuite began operating as part of a global business unit within Oracle.

What’s the difference between Salesforce and NetSuite?

NetSuite is first and foremost an ERP software service with an optional CRM product that’s considered an added module. Salesforce is primarily a CRM software provider that offers additional tools to support ERP across industries.

Overall Value

We recommend NetSuite CRM for …

  • Enterprise-level organizations seeking a unified data solution to manage all customer-related activities.
  • Organizations that already use NetSuite’s ERP software.
  • Businesses with complex software integrations in niche industries.

We don’t recommend NetSuite CRM for … 

  • Small businesses that don’t want to adopt NetSuite as resource planning software.
  • Small businesses looking for a simple CRM platform.
  • Small businesses that need the most cost-effective CRM solution.
Wed, 19 Jul 2023 12:00:00 -0500 en text/html https://www.businessnewsdaily.com/16143-oracle-netsuite-crm.html
Killexams : NetSuite Sets Initial Stock Price at $26

NetSuite on Wednesday set the initial price of its stock at US$26, greatly exceeding its original estimate. The company is selling 6.2 million shares of stock. It said in a filing with the U.S. Securities and Exchange Commission that the proceeds from the sale would net it $151.9 million after expenses. NetSuite, which sells a line of hosted business software, company initially set the suggested price range for its stock at $13 to $16, and subsequently raised it to $16 to $19 and then $19 to $22. The stock is now trading on New York Stock Exchange under the symbol "N." After rising to $39.01, shares had dropped to $25.76 at 10 a.m. Eastern Time.The company set the price by running an online "Dutch" auction, in the same fashion of search giant Google, instead of having underwriters set the price. Scott Sweet, managing director of IPOboutique.com, a firm that tracks the IPO market and offers investment advice, said NetSuite is greatly overvalued as a result of the auction. "Once again...

Tue, 18 Apr 2023 04:47:00 -0500 en text/html https://abcnews.go.com/Technology/PCWorld/story?id=4033057
Killexams : Oracle NetSuite CRM Review and Pricing

Why We Chose Oracle NetSuite CRM as the Best CRM Software With ERP Capabilities

Oracle NetSuite CRM goes beyond core CRM software benefits like contact and opportunity management, sales automation, reports, and sales forecasting. Unlike other CRMs, NetSuite CRM integrates with a broader collection of Oracle NetSuite cloud-based services, including an ERP platform, enabling users to track and manage the entire customer journey – from lead acquisition and deal management to order processing and customer service. 

Oracle’s app marketplace is substantial, featuring over 670 apps covering 29 business needs, from asset management to supply chain planning. It also has specialist apps for 15 different verticals, including advertising and wholesale distribution. 

Its comprehensive technology collection, built-in integrations, accounting features, integrations and e-commerce functions eliminate the need for multiple platforms. You can run your entire business with this software, not just your sales, marketing and customer support departments. For these reasons and more, Oracle NetSuite CRM is our top choice for companies looking for a CRM with ERP capabilities.

To access the CRM, businesses must subscribe to the overall NetSuite platform. That puts a lot of high-grade technology at your fingertips but could present financial and usability concerns.

Oracle also provides one of the best accounting software solutions. Check out our review of Oracle NetSuite Accounting Software to learn more.

Oracle Netsuite dashboard

The Oracle NetSuite dashboard provides an overview of key performance indicators (KPIs). Source: Oracle NetSuite

Oracle NetSuite CRM Features

There are numerous CRM features to consider when choosing the right platform for your business. As part of the larger Oracle NetSuite platform, NetSuite CRM goes beyond essential features to offer significantly more functionality than many CRMs we reviewed. 

ERP Functionality

Oracle NetSuite’s ERP functionality impressed us. Sales management doesn’t end once you’ve successfully converted leads to customers, which is why it’s so valuable that Oracle NetSuite CRM works in perfect harmony with the vendor’s ERP product. This connection allows businesses to follow the entire customer life cycle, manage financial information, process orders, track inventory and optimize supply chains. Not all CRMs offer this level of visibility on the whole customer journey.

We especially recommend this CRM for e-commerce businesses that need visibility into purchasing processes and detailed customer information without integrating external tools.

The NetSuite ERP is used in more than 200 countries and supports 27 languages and 190 currencies – a bonus if your business plans to expand internationally.

Oracle Netsuite support tickets

Support tickets include all the information necessary to address and resolve customer issues. Source: Oracle NetSuite

Sales Forecasting

We were pleased to see the depth of NetSuite CRM’s sales-forecasting tools, which give teams the best chance of success in a competitive environment. 

Calculated forecasts examine customer data to determine close probabilities, weighted and projected opportunity amounts, and quotes using data in the sales pipeline. You can use “mood ring” forecasts for general predictions that aren’t tied to a particular quote or opportunity and compare multiple forecasts to gauge the overall accuracy of predictions. 

For another CRM with an advanced sales forecasting tool, see our review of HubSpot CRM.

Oracle Netsuite sales forecasting

Oracle NetSuite provides sales forecasting using pipeline data. Source: Oracle NetSuite

Configure, Price, Quote Functionality

Many CRM platforms are adding CPQ functionality. (Read our Freshworks CRM review to see how this vendor incorporates CPQ features.) We were very impressed by NetSuite CRM’s CPQ execution and found it superb.

Pricing products and services with various customization options is challenging. We like that NetSuite CRM’s CPQ provides a guided selling feature that helps sales teams understand customers’ needs; the system then recommends the right products or services for them. This clever feature reduces the risk of poor product recommendations, increasing the chances of a sale.

We also like that reps benefit from real-time pricing. NetSuite monitors all the costs that go into a quote, including shipping, labor and materials. The quote changes automatically if a cost changes. The system can also cope with different pricing strategies, including volume discounts, promotional discounts and regional pricing differences. 

We appreciate how the system handles contracts, subscriptions and renewals with its profit-based intelligent deal-management feature.

Oracle Netsuite CPQ module

The Oracle NetSuite CPQ module helps reduce the risk of poor product recommendations, increasing the chances of a sale. Source: Oracle NetSuite

Upsell Recommendations

We were pleased to see that NetSuite CRM includes a built-in upsell manager. It analyzes buying patterns and other CRM metrics to suggest upselling and cross-selling opportunities, recommended items or categories. The system can also:

  • Create segmented lists of customers who meet specific criteria
  • Glean potential opportunities from existing customer records and transactions
  • Create task records
  • Schedule phone calls for teams or individual reps 

Commission Management

We really like Oracle NetSuite’s incentive program-management tools. You can measure your sales reps’ performance in various ways, such as by quotas, quantity sold, total sales, profitability or custom criteria. Use data analytics to forecast commission earnings, split commissions between agents and process payments – all without leaving the CRM environment.

We appreciate how the system manages payments to third parties like partners, resellers and vendors. For larger companies – where a high proportion of revenues come from these sources – the commission-management function can streamline a complicated process. With the correct configuration, you may even be able to launch a self-billing program.

Partner Relationship Management Program

NetSuite’s partner relationship management (PRM) program is another unique feature we liked. 

Many larger companies offer marketing and promotional funds to third parties. NetSuite’s PRM program can manage marketing initiatives, lead management, sales forecasting and order processing when a strategic partner is involved. On joint advertising campaigns, the system allows all parties to see the same conversion data, providing important information that can Strengthen returns from future joint campaigns.

For greater transparency, you can give your partners PRM logins to track lead progress. 

This business transparency increases trust and reduces the workload on team members tasked with giving partners frequent lead updates.

The PRM module works with all third-party partnerships. However, NetSuite has particular experience in providing solutions for manufacturing, software, services, advertising, media, publishing, nonprofit and wholesale distribution firms.

Mobile App

We were pleased to see that NetSuite offers mobile apps for iOS and Android to help field reps and remote workers enjoy many of the same productivity and employee collaboration features as on-site desktop users. 

Dashboard synchronization provides real-time visibility of contact records, KPIs, lead-scoring scorecards and other vital data to help your agents execute sales strategies. They can check calendar reminders, log calls and send quotes while on the go. 

Unlike other CRMs we reviewed, the NetSuite CRM mobile app also allows employees to submit timesheets and track receipts to log expenses when they occur. Users can also access a mobile browser version of the desktop app for additional functionality.

Monday.com CRM mobile app

Oracle NetSuite’s mobile apps help sales reps track their expenses. Source: Oracle NetSuite

Reporting and Analytics

We found Oracle NetSuite CRM’s reporting and analytics features to be on par with those of its competitors. The platform monitors various metrics across sales, marketing and customer support teams, such as call volume, call resolution times, customer buying trends, acquisition costs and subscription renewals. Various customizable CRM reports offer insight and analysis on important sales efforts and KPIs like lead-to-close times, lead generation patterns, website visitor activity and customer satisfaction. You can also zoom in on individual, team or territory performance and review predictive versus genuine data for sales pipeline and sales funnel stages and quota fulfillment.

E-Commerce Customer Portal

We were impressed by NetSuite’s personalized web portal, which provides 24/7 access to customers’ order histories and lets you check order status and place new orders. Customers can also visit your self-service knowledge-management system to resolve issues or open a support ticket. They’ll automatically receive confirmation of the service request and a case number.

We appreciate how Oracle has created separate customer portal versions for B2B and B2C e-commerce businesses. Both benefit from single-view customizability and connections; however, the B2C offering features social network integration, and the B2B version includes quoting and billing processes.

If you want a CRM to build a self-service customer portal for your site at a lower price than Oracle NetSuite, check out our review of Zendesk CRM.

Wed, 09 Aug 2023 12:00:00 -0500 en text/html https://www.business.com/reviews/oracle-netsuite-crm/
Killexams : Our Academic Approach

Our small classes put students face-to-face with leading faculty, where they can ask questions, delve deep, iterate, postulate, and collaborate. Through intensive project-based learning and research, students gain hands-on experience that can be put to use as soon as they graduate. Our students don’t just explore challenging problems—they prototype innovative solutions. And through internship opportunities across New York City, they get real-world experience, as well as the chance to expand their professional networks.

The integrated curriculum that is a hallmark of our university means students can immerse themselves in multiple disciplines. This approach puts rigorous intellectual and creative exploration at our core, and allows students to develop tools to solve problems creatively in a changing and complex world. 

The courageous intellectual spirit of The New School’s founders remains present in the academic rigor, creative exploration, and multidimensional study that define our university. 

Sun, 29 Aug 2021 13:31:00 -0500 en text/html https://www.newschool.edu/academics/excellence-rigor/
Killexams : Oracle NetSuite: NetSuite Helps Paysend on Growth Journey

NetSuite helps payment platform automate manual tasks, optimise financial processes, and Strengthen decision-making to boost international expansion

LONDON, Aug. 10, 2023 /PRNewswire/ -- Paysend, a global money transfer platform, has grown to over seven million customers across 170 countries while running on Oracle NetSuite. With NetSuite, Paysend has been able to take advantage of an integrated business suite to automate financial processes, implement strict controls, gain a holistic view of its operations, and support its rapid global expansion.

Oracle NetSuite Logo

Paysend was founded in 2017 with a mission to simplify cross-border payments, connect people and businesses, and increase financial inclusion globally. In 2021, Paysend secured $125 million in funding to expand beyond Europe and create new B2B services, but as its operations grew, its existing financial systems struggled to keep pace, with month-end processes taking more than 90 days. To support its growth, consolidate its financial management processes, and centralise its business-critical information to enable real-time analysis and decision making, Paysend selected NetSuite, including NetSuite OneWorld, as its global business management suite.

"Creating a single view of the business is a mission for us. It summarises how we want to work," said Ronald Millar, co-founder and CEO, Paysend. "NetSuite has made the day-to-day easier for our people by reducing the time we spend on operational work and eliminating barriers to growth. Without NetSuite, we would not have been able to take our business to the next level - from local to global and from thousands to millions of transactions each month. The best part is we've only just scratched the surface of what we want to do."

With NetSuite, Paysend has a scalable financial command centre to consolidate and automate its global financial operations across different regulatory environments and hundreds of currencies. For example, NetSuite has helped Paysend streamline financial reporting, Strengthen forecasting, support its tax and reporting requirements across its subsidiaries around the world, and implement robust internal controls for spend and auditing. In addition, the in-depth financial analysis within NetSuite has enabled Paysend to easily monitor the performance of its product lines and geographies in granular detail. The insights provided by NetSuite have helped Paysend inform strategic direction and demonstrate operational efficiency to investors.

"The remittance industry is big business. As more people use financial platforms to pay for goods and services and to pay one another, there is a huge opportunity for innovators like Paysend," said Nicky Tozer, SVP, EMEA, Oracle NetSuite. "With NetSuite at its core, Paysend has been able to rapidly and efficiently expand its business to seven million plus customers and has a scalable platform to support its continued international growth."

About Oracle NetSuite
For more than 20 years, Oracle NetSuite has helped organisations grow, scale and adapt to change. NetSuite provides an integrated system that includes financials / Enterprise Resource Planning (ERP), inventory management, HR, professional services automation and omnichannel commerce, used by more than 36,000 customers in 217 countries and dependent territories.

Learn more at https://www.netsuite.com. Like us on Facebook, and follow us on LinkedIn, Instagram, and Twitter.

Oracle, Java, MySQL and NetSuite are registered trademarks of Oracle Corporation. NetSuite was the first cloud company--ushering in the new era of cloud computing.

About Paysend
Paysend is a next generation integrated global payment ecosystem, enabling consumers and businesses to pay and send money online anywhere, anyhow and in any currency. Paysend is UK-based and has global reach having been created in April 2017 with the clear mission to change how money is moved around the world. Paysend currently supports a cross-network operability globally across Mastercard, Visa, China UnionPay and local ACH and payment schemes, providing over 40 payment methods for online SMEs. Paysend can send money to 135 countries worldwide and has attracted more than five million consumers to its platform. As a global end-to-end payment platform, Paysend has its own global network of banks and international and local payment systems and has partnerships with the major international card networks Visa, Mastercard and China UnionPay as a principal member and certified processor. For further information visit https://paysend.com.

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Killexams : Sales Comparison Approach (SCA): Definition and Use in Appraisals

What Is a Sales Comparison Approach (SCA)?

The term sales comparison approach refers to a real estate appraisal method that compares one property to comparables or other recently sold properties in the area with similar characteristics. Real estate agents and appraisers may use the sales comparison approach when evaluating properties to sell. This method accounts for the effect that individual features have on the overall property value. In other words, the total value of a property is the sum of the values of all of its features.

Key Takeaways

  • A sales comparison approach is a valuation method used in the real estate industry that compares one property to similar ones recently sold in the area.
  • The SCA is used as the backbone for the comparative market analysis which considers prices of recently sold properties that are similar and within the same geographic area.
  • Some of the common characteristics that make up the SCA include location, recently sold listings, features, age and condition, and average price per square foot.

Understanding the Sales Comparison Approach (SCA)

The sales comparison approach helps real estate professionals and buyers determine if the price of a home is fair and comparable to the current market. Professionals use similar properties that were recently sold within a short distance of the subject property—usually in the same neighborhood—that share similar characteristics as a comparison.

The SCA is used as the backbone for the comparative market analysis (CMA). This is an analysis of the prices of recently sold properties that are similar and within the same geographic area. In other words, the approach often entails looking at local properties to see what they have in common. From there, appraisers can determine a value for a property based on its features.

Although there are many steps that a real estate appraiser can take in evaluating a property's value, the following are some of the most common characteristics used in an SCA:

  • Location and neighborhood: Geography may directly impact the value of real estate. It's important to compare homes in the same neighborhood rather than those found in another part of town. Factors considered include proximity to schools, nearby bodies of water, parks, and how close they are to highways and overpasses, as well as pollution levels.
  • Recently sold listings: These properties can provide a starting point for the value of homes in the area. Although features and the market factor into the sale price, reviewing property values and exact sales are good baseline numbers.
  • Features: A home should be compared with properties with the same number of bedrooms, garages, and bathrooms. The comparison should include homes of about the same square footage on parcels of land that are about the same size.
  • Age and condition: It's important to compare homes of similar age as well as soundness. A home's condition significantly influences an appraisal. For example, there may be two similar homes in the same neighborhood. But if one is in need of repair, it can seriously affect its value.
  • Average price per square foot: Once similar homes are compiled, take each of their sale prices and divide them by their square footage. The result yields the cost per square foot based on the homes in the sales comparison analysis. Take the average cost per square foot for all comparable homes and multiply that number by the square footage of the home being appraised.

Note that the IRS lists the market or sales approach as an acceptable method of analyzing an asset's valuation for tax purposes.

Performing Appraisals Using the Sales Comparison Approach

For a somewhat simple appraisal method, SCA actually involves a number of different steps. These steps are outlined below, and though the process may feel different for different markets or types of properties, these steps are usually taken across most types of properties.

Step 1: Identify Property

Begin by clearly identifying the subject property that you're appraising. Gather detailed information about its physical attributes, location, and any unique features. This step establishes the starting point for comparing it to other properties so, even though it may feel straightforward, it is among the most important steps.

Step 2: Select Comparables

Carefully select comparable properties that have recently sold and share similarities with the subject property. Consider the factors discussed in the previous section when selecting similar properties. The goal is to find properties that potential buyers would consider comparable to the subject property.

Step 3: Collect Data

Thoroughly collect data for both the subject property and the chosen comparables. This includes obtaining accurate property details, sale prices, transaction dates, square footage, lot size, room counts, and any significant features. The accuracy and completeness of this data are crucial for making informed comparisons and performing data analysis. Take note of variances or major differences worth adjusting for.

Step 4: Perform Adjustments

Examine the differences between the comparables and the subject property. Identify attributes where variations exist such as larger square footage or superior amenities in a comparable. It may be somewhat subjective, but determine how much these differences would influence a buyer's perception of value.

Step 5: Perform Portfolio Reconciliation

After making adjustments, you may have a range of adjusted sale prices for the comparables. Consider the relative relevance and reliability of each comparable. Weight the impact of each comparable based on factors like similarity to the subject property, recency of sale, and market conditions. Using this new lense, you should reconcile the adjusted values to arrive at a more accurate value range for the subject property.

Step 6: Determine Final Estimate

From the reconciled range of adjusted values, calculate a final estimated value for the subject property. This can be done by averaging the adjusted sale prices of the comparables within the range or applying other appropriate statistical methods. The goal is to arrive at a single estimated value that reflects the property's market value based on the comparables' data.

Advantages and Disadvantages of the SCA

Pros of the Sales Comparison Approach

The SCA approach is grounded in real market transactions, making it highly relevant and reflective of current market conditions. It considers the genuine prices at which properties similar to the subject property have recently sold. Therefore, it's especially effective when there is a substantial number of comparable properties available for analysis.

The concept of comparing exact sales of similar properties to the subject property is easy to understand, making it accessible to both appraisers and clients. Therefore, the SCA method is somewhat known for being transparent. The SCA method also sheds light on the historical deviations of an asset's price. Since it relies on exact sales data, this approach can capture changes in market conditions and trends over time.

When multiple comparable sales are analyzed and adjustments are made for differences, the approach provides a range of values that can serve as a validation of the estimated value. If the adjusted values are consistent across comparables, it lends credibility to the final estimate.

Last, the sales comparison approach is a widely accepted and practiced method in the real estate industry. This widespread usage enhances its credibility and acceptance among appraisers, lenders, and other stakeholders.

Cons of the Sales Comparison Approach

The quality and quantity of comparable sales data can vary significantly based on the property type, location, and market conditions. In some cases, there might not be enough exact and relevant comparable sales to accurately estimate the value of the subject property. For properties that are one-of-a-kind or have features that are difficult to find in the market, the sales comparison approach might not be suitable.

Making adjustments for differences between the subject property and comparables can be subjective and challenging. For example, determining the value of specific features like swimming pools, architectural styles, or interior upgrades can be difficult, and differing opinions among appraisers can lead to inconsistent results.

SCA relies heavily on exact sales data, which means it might not capture rapid market fluctuations or sudden changes in supply and demand. In rapidly changing markets with volatility, using older comparable sales might not accurately reflect current property values.

Finally, selecting truly comparable properties is crucial for accurate valuation. If the chosen comparables are not truly similar to the subject property in terms of size, location, condition, and other relevant factors, the valuation results can be skewed. During analysis, it may not be evidently clear which assets are comparable and which may be red herrings that are not suitable comparisons.

  • Grounded in real transactions, making it particularly relevant

  • Has a wide applicability

  • Is a somewhat simple concept that can be easily followed and documented

  • May allow for customization (i.e. for individual property features)

  • May lend itself to historical analysis by tracking changes over time

  • May not have abundant data depending on the asset type or market

  • May not be suitable for unique properties

  • May be difficult to adjust based on available data

  • Will not always reflect shortest-term market fluctuations

  • Relies somewhat on subjective interpretation

Since the sales comparison approach isn't an official appraisal, owners may need to hire an appraiser for unique properties and those that are hard to value.

Special Considerations

There are many other features that may increase the value of a home. However, a sales comparison analysis is not an exact science since the value of a home is somewhat subjective, meaning one family may find more value in it than another, thereby increasing their offer. As stated earlier, outside factors such as the overall state of the economy, the job market, and the state of the real estate market all play heavily into how much a home is sold for or how long it sits on the market.

Remember, the sales comparison approach used in real estate valuation is not an official appraisal. In cases where a unique property is to be valued or one whose value is difficult to determine, a formal appraisal may be required. This means hiring an appraiser—an independent and unbiased professional who determines the property's fair value by using certain facts, figures, and other considerations.

What Are Comparable Sales in the Sales Comparison Approach?

Comparable sales, often referred to as "comps," are properties that have recently sold and are similar to the subject property in terms of relevant characteristics such as location, size, style, age, condition, and amenities. These sales are used as a basis for estimating the value of the subject property through a process of comparison and adjustment.

What Types of Properties Is the Sales Comparison Approach Suitable for?

The sales comparison approach is suitable for a wide range of property types, including residential, commercial, and vacant land. It is particularly effective when there is a significant number of comparable properties available and when the market conditions are relatively stable.

How Do Appraisers Select Comparable Properties for Analysis?

Appraisers select comparable properties based on their similarity to the subject property. They consider factors like location, size, style, condition, age, and exact sales dates. The goal is to find properties that are as similar as possible to the subject property to provide a reliable basis for comparison.

How Does the Sales Comparison Approach Account for Property Uniqueness?

While the sales comparison approach considers property uniqueness, it relies on finding comparable properties that share similar attributes with the subject property. However, truly unique features might not have direct comparables, making the adjustment process more challenging and potentially leading to less accurate valuations.

The Bottom Line

The sales comparison approach is a real estate valuation method that estimates a property's value by comparing it to recently sold properties with similar characteristics in the same market area. By analyzing these comparable sales and making adjustments for differences in features, size, condition, and location, appraisers derive an estimated value for the subject property based on genuine market transactions.

Sat, 15 Aug 2020 08:07:00 -0500 en text/html https://www.investopedia.com/terms/s/sales-comparison-approach.asp
Killexams : The guardrails approach is a flexible retirement withdrawal strategy: Here's how it works

Many experts recommend that people withdraw 4% from their retirement portfolio each year in order to make their retirement savings last. This much touted advice, however, may not hold true for today's retirees. While personal finance experts have relied on the 4% rule for years, a exact Morningstar report predicted that future retirees might have a higher chance of making their retirement savings last if they use a lower withdrawal rate.

Financial planner William Bengen first developed the 4% rule in 1994 by using historical returns of the stock market and a 30-year retirement horizon. The 4% rule dictates that people should withdraw 4% of their retirement portfolios in the first year, only adjusting for inflation each subsequent year. By using a portfolio of 50% stocks and 50% bonds, Bengen found that people with a 4% withdrawal rate had a 90% chance of success (which meant not running out of money during retirement).

Yet today's retiree's are facing an entirely different financial market.

While current retirees have experienced higher than expected stock market and bond returns over the past 30 years, researchers at Morningstar predict that future retirees might find themselves facing lower returns on bonds and stocks after the market's exact stellar performance.

This could mean a future decline in the value of people's retirement portfolios. The report recommends that retirees consider a lower withdrawal rate of 3.3% to ensure they don't run out of money in retirement.

Though researchers suggest a lower withdrawal rate with adjustments for inflation, retirees might also consider trying a more dynamic withdrawal approach. The guardrail approach is one such method. Below, Select explains what the guardrails approach is and how it works.

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What is the guardrails approach to retirement?

The guardrails approach, which was developed by financial planner Jonathan Guyton and professor William Klinger, requires that retirees change their withdrawal rate based on the performance of the market. This approach is designed to account for changes in the value of your portfolio. Your withdrawal rate will fall when the market is doing poorly or increase when it is doing well.

With the guardrails approach, people set a high guardrail and a low guardrail based on their target withdrawal rate. Therefore, when your withdrawal rate is above or below guardrails, you reduce or increase your withdrawal amount so you end up within the target withdrawal range.

"And if you think about driving your car down a road, you hit a guardrail, it does two things. It puts a ding in your car, and it changes your momentum so that instead of the momentum pushing you toward the edge of the road, it now starts to shift you back toward the middle where it's safe," said Guyton in a Morningstar interview.

Your guardrails are set at 20% above and below your withdrawal rate. For a target withdrawal rate of 5%, the lower guardrail is 4% and the upper guardrail is 6%. The target withdrawal range would be between 4 and 6%.

If your withdrawal rate falls outside your guardrails (after adjusting for inflation) you would take a 10% increase or reduction in your withdrawal amount. After taking the 10% adjustment, your withdrawal rate should be between the upper and lower guardrails. For example, if your retirement withdrawal rate is above 6% next year, you take the inflation-adjusted withdrawal amount and reduce it by 10% so your withdrawal rate is below 6%. 

Consider what would happen in a market downturn:

  • Year 1: If your portfolio is worth $1 million and your withdrawal rate is 5%, you withdraw $50,000.
  • Year 2: The value of your portfolio decreases to $800,000 and your normal withdrawal of $50,000, with an adjustment for inflation, would be more than 6% of your portfolio. This means you've hit a guardrail. You would then take the inflation-adjusted withdrawal amount (assuming 4% inflation) of $52,000 and reduce it by 10% so you would withdraw $46,800 which would be less than 6% of your portfolio.

It's important to note that the guardrails approach does not require that retirees cut their spending by 10% in a market downturn. Retirees often have different sources of income, such as a 401(k) or a traditional IRA. With a pre-tax retirement account like a traditional IRA and a 401(k), you do not pay taxes on your upfront contributions, but you pay taxes on the money when you withdraw it in retirement.

If you had to decrease your withdrawal amount by 10%, part of that reduction could come from the reduced amount of income tax you owe on your retirement withdrawals. 

When coming up with your retirement strategy it could be prudent to consult a financial planner to help find the optimal withdrawal rate and come up with what your guardrails would be.

Saving for retirement

You'll need to start building a retirement nest egg when you're young in order to have savings to draw upon in retirement. First off, you should focus on maximizing your 401(k) match. Some employers offer employees matching 401(k) contributions, typically between 2 and 4% of each paycheck. Your 401(k) contributions are made pre-tax and are automatically deducted from your paycheck.

After you've earned your 401(k) match, you might also consider opening an individual retirement account (IRA). With an individual retirement account, you'll have more choice in how you invest your money. An individual retirement account will typically give you the option of investing in individual stocks, bonds, mutual funds and CDs. 

The two most popular retirement accounts are the Roth IRA and the traditional IRA. The major difference between a Roth IRA and a traditional IRA is how the accounts are taxed.

Contributions to a Roth IRA are taxed upfront, so the contributions can grow and be withdrawn tax-free. Contributions to a traditional IRA are not taxed until withdrawal. Roth IRAs have an income limit. In 2022 individuals making more than $144,000 and married couples filing jointly making more than $214,000 are not eligible to contribute to a Roth.

There are no income limits for traditional IRAs. Contributions to a traditional IRA are tax deductible (which means your contribution reduces your taxable income, and therefore the amount you owe in taxes) depending on your income and whether you have a retirement plan through work.

When Select analyzed over 20 different Roth IRA accounts, it found that Charles Schwab, Fidelity Investments, Ally Invest, Betterment and Wealthfront offered some of the best Roth IRAs. Select looked at which accounts had no (or a low) minimum deposit, commission-free trading of stocks and ETFs and the variety of investment options offered to find the best Roth IRAs.

Bottom line

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Sun, 30 Jul 2023 06:34:00 -0500 en text/html https://www.cnbc.com/select/guardrails-approach-retirement-withdrawal-strategy-how-it-works/
Killexams : A new and better approach to prison time

Opinion editor's note: Editorials represent the opinions of the Star Tribune Editorial Board, which operates independently from the newsroom. This editorial was written on behalf of the board by Star Tribune Opinion intern Noor Adwan, a 2023 graduate of the University of Minnesota.


The Minnesota Rehabilitation and Reinvestment Act (MRRA), which passed the Legislature earlier this year and could take effect in as little as two years, would allow some incarcerated people to trim 17% off their sentences if they satisfactorily follow individualized rehabilitation plans. It's a dramatic but praiseworthy shift away from a largely punitive, one-size-fits-all approach to corrections.

The state Department of Corrections (DOC) recognized that prison time isn't just a punishment — it's also an opportunity for intervention. Instead of expecting incarcerated people to sit and wait for the years to pass them by, the MRRA empowers the agency to focus on rehabilitation and programming that should help the newly released integrate back into their communities.

While the plan is still in development, some estimate it could apply to around 7,400 people who are currently incarcerated in Minnesota.

"We know 95% of the people in our prisons are going to come out into neighborhoods across our state," DOC Commissioner Paul Schnell told editorial writers. "We want to make sure we're really putting attention, time and focus on what happens while somebody's involved with this system."

Those eligible to participate will receive plans tailored to their needs that may include substance abuse treatment, mental health counseling, education or vocational training. This individualized approach is important, as it not only remedies the inadequate one-size-fits-all approach to corrections, but also incentivizes participation in programming and skill development.

Minnesota is among the minority of states that uses determinate sentencing. Because of this, sentence lengths are definite: No matter how well you act in prison, you'll serve the same amount of time as someone who acts out and violates rules.

"You and I each have a plan. You work your plan; you do well. I, on the other hand, don't. I fight; I refuse to participate in programs. Today, we'd walk out of prison the exact same day — it doesn't matter that you did well," Schnell said.

Once the MRRA takes effect, however, prisoners who demonstrate investment in their personal growth could be rewarded by way of a reduced sentence and supervision period. While some Republican lawmakers have branded the program a "get out of jail free card," those who do not show improvement would serve their time as usual.

The MRRA wouldn't just benefit inmates — incentivizing participation in programming would Strengthen public safety. The Challenge Incarceration Program (CIP), a similar program for nonviolent offenders that includes education, substance abuse programming and rigorous exercise, reduced participants' chances of reincarceration by 35%, and reoffending with a felony offense by 32%.

The MRRA also stands to save the state money — incarceration is expensive, and allowing individuals who have demonstrated personal growth to be released early could give the agency more financial room to invest in initiatives like victim support services. The CIP saved the DOC around $4,600 per participant, and officials hope to see similar savings with the MRRA. Those savings would then be split equally across four areas: victim support services, community supervision services, crime prevention initiatives and the state's general fund.

"The DOC's annual budget now is right around $1 billion a year," Schnell said. For that sum, he continued, "I would think — I don't care who you are, what side of the aisle you're on — you would want to produce the best outcomes possible, period."

The program could also increase safety in prisons. Idleness in prison increases the risk for frequent and violent misconduct, according to the DOC. That creates unsafe conditions for both inmates and correctional staff. Incentivizing participation in programming reduces idleness and could mitigate some of these conditions.

While only nonviolent offenders are eligible for the CIP, one of the only disqualifying factors from the MRRA is serving a life sentence. But Schnell is hopeful individualized rehabilitation programming could even benefit those who have committed more serious offenses, like sex crimes.

"We know that, for people who are involved in a sex offender treatment program, their risk of reoffending and reconviction goes down precipitously," Schnell said.

The MRRA also gives victims a greater say in the corrections process, Schnell said, as their input is considered in the development of offenders' rehabilitation plans. The DOC must also make a "reasonable effort" to notify victims if an offender is eligible to earn early release, and provide contact information for victim support services.

"The role of victims is part and parcel to this legislation," Schnell said. "Victims have a right to engagement and participation in this process."

The MRRA is a smart program with the potential to Strengthen safety both inside and outside prisons while saving the state some cash in the process. The majority of those in Minnesota prisons today will be released at some point or another. Making sure they have the skills they need to integrate back into their communities after they serve their time is a no-brainer.

Fri, 04 Aug 2023 17:09:00 -0500 Editorial Board text/html https://www.startribune.com/a-new-and-better-approach-to-prison-time/600294974/
Killexams : Taking a Holistic Approach to ESG Efforts

When it comes to moving the needle on ESG goals and outcomes, Cara Smyth thinks about chess.

The global senior managing director of ESG and responsible retail at Accenture, and fellow and founder of Fordham University’s Responsible Business Coalition said “everybody knows what the [ESG] goals are, where we are marching — but it’s still too difficult to march.”

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Why? Smyth said while the fashion apparel and retail industry has the best intentions at heart, too many companies are compartmentalized and don’t collaborate enough. She said there needs to be a more holistic and systems-thinking approach. Think of it as a chess board, Smyth said, with each piece having a definitive role in the quest of implementing effective ESG practices.

For its part, Accenture’s exact ESG report serves as a playbook for brands and retailers to be successful. It includes 12 interconnected systems and issues the industry is trying to solve, “which is just one big system in itself,” Smyth said, noting that each chess piece (IT, finance, marketing, warehouse management, HR, operations, etc.) must work together and with transparency while also collaborating with vendors.

“And there’s a change management part,” Smyth said. “This is where you have to ask, ‘How am I going to get the waste out? How am I going to think about dynamic planning? Am I going to offshore, nearshore, onshore or produce less?’”

“You have to look at the systems that are inside a company and look at companies and suppliers in each of the systems that are caught in the entire chain,” Smyth said. “I think a lot of what is so electrifying and exciting about sustainability now is everybody starting to see the connections — including ones between industries. Maybe someone is thinking of leather and somebody else is thinking of beef supply. Well, they should get together and talk. Or someone is making jewelry and someone else has recycled steel — then they should get together.”

But there’s another dimension to systems thinking: the individual.

Smyth said the individual mindset plays a key role across an entire organization. “Everybody should be invited to think differently,” she said. “And I think we’re being forced to do that anyway because of the stakeholder pressures. But the first critical step is in the operating model.”

When Smyth first started working in the sustainability space, everything was siloed. “They kept the sustainability team separate from the business,” she said, adding that now brands and retailers need to align everyone across the value chain while seeing their own part to play.

At this stage in the ESG journey, Smyth said retailers and brands need to unleash innovation and creativity — internally and externally with vendor partners. “You have to find ways to release a lot of trapped value in the chain,” she said. Again, it goes back to asking questions. With vendors, Smyth said to question them about their processes. “Ask them, ‘Why is it coming in on a hangar and in a poly bag?’” Smyth said. “If you are a brand and I’m a retailer, and we were the same company, how would we think differently? And because of the sustainability goals and science-based targets and regulations that are coming on stream, you can’t just talk about your goals. You now have to talk about your remediation plans.”

Smyth said once the switch is flipped with regulations and remediation plans, “now you’ve got to actually fix it. And that means you’re going to have to collaborate in a different way. So, this brand and supplier engagement strategy is fantastic. It’s the way of the future. It’s creating a new dialogue while moving the system in a different direction.”

ESG practices also need to be driven by purpose. “And pleasure,” Smyth said. “We need to bring sexy back to sustainability — a little bit — because it’s gotten a little heavy and difficult. But if you think like, ‘Wow, I can actually do this better and do it differently’ — honestly, it’s a thrill.

“We’re at a point where all of the pressures are coming together in the right way to move things in a new direction,” Smyth said. “So, I am super hopeful.”

Best of WWD

Click here to read the full article.

Mon, 31 Jul 2023 04:25:00 -0500 en-US text/html https://www.yahoo.com/lifestyle/taking-holistic-approach-esg-efforts-160108190.html
Killexams : LAURA INGRAHAM: Biden is faking 'Trump-like approach' to the economy

Fox News host Laura Ingraham hit back at President Biden touting economic progress under his watch in Maine, Friday, on "The Ingraham Angle."


LAURA INGRAHAM: First, remember, Biden has a long history of pretending that he's someone he's not, right. We know that and second, of course, he's going to fake a Trump-like approach to the economy because Trump's policies actually work and because Biden's numbers are in the toilet.

Look, the facts are undeniable here, Americans were making more when Trump was president, and they felt more optimistic about the future, barely any inflation, low energy prices, it all meant happier and more hopeful families. Meanwhile, the progress that Biden was out touting today in Maine, it's a fantasy. Inflation may be declining slightly, but big deal since he's the one who punished us with inflation in the first place. 

And the recent slight improvement in our GDP certainly wouldn't have been possible without the red states that are filled with all those MAGA Republicans Biden thinks are so terrible working as hard as they have. It's because those governors in those red states rejected lockdowns and frankly the entire Biden approach to COVID, and of course, at the same time, they're pushing pro-growth policies, all those policies that Biden hates. So Biden right now is trying to be both a globalist and a populist, but it doesn't work. In the past month, Blinken, Kerry and Yellen all traveled to China not to help Main Street, but to reassure Wall Street. Look, you can't be a populist and suck up to the CCP at the same time. And Biden's supposed support for Made in America today, it's all just talk. He already told the EU that he was going to tweak the Made in America provisions that would hurt their imports that he inserted in that so-called Inflation Reduction Act. So those are out the window.


In the real world, facts are facts. And despite Democrat spins on the economy, look, reality bites here. Courtesy of Biden's destructive domestic and foreign policy gasoline, is now at an eight-month high as Russia now is working with OPEC to drive down supply. And all of us who go to the grocery store know that food costs are still way up. There up, a year ago, bread, frozen vegetables, pet food, all of it, it's a joke, and it's all on Biden's shoulders.

For more Culture, Media, Education, Opinion, and channel coverage, visit foxnews.com/media.

This article was written by Fox News staff.

Sun, 30 Jul 2023 06:46:00 -0500 Fox News en text/html https://www.foxnews.com/media/laura-ingraham-biden-faking-trump-approach-economy
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