Did you know total nonfarm payroll employment fell by 701,000 in March 2020, measuring the effects of COVID-19 and efforts to contain it? Employment in leisure and hospitality fell by 459,000, mainly in food services and drinking places. Notable declines also occurred in health care and social assistance, professional and business services, retail trade, and construction.
Total nonfarm payroll employment increased by 128,000 jobs in October. Job growth has averaged 167,000 per month thus far in 2019, compared with an average monthly gain of 223,000 in 2018. Employment declined in motor vehicles and parts manufacturing due to strike activity. Federal government employment was also down, reflecting a drop in the number of temporary jobs for the 2020 Census.
Did you know the U.S. Census Bureau reported that the homeownership rate reached 64.6% at the end of 2018, the highest level since the third quarter of 2014? Increasing millennial demand was one of the biggest trends influencing the housing market. We complied an overview of US economic trends for Q1 2019.
Odeta kushi presentation at #NEXTWINTER20Molly Dowdy
Odeta Kushi, everyone's favorite economist and the Deputy Chief Economist for First American spoke at #NEXTWINTER20 on the state of the housing economy. Here's the slide deck for your enjoyment!
http://pwc.to/1lN91cC
Comme tous les mois, l’équipe d’économistes de PwC publie une note sur la situation macro-économique mondiale. Ce mois-ci, focus sur l’accroissement des inégalités dans les pays matures ; les incertitudes concernant la croissance chinoise ; et les prévisions de croissance pour la Grande-Bretagne.
Total nonfarm payroll employment increased by 128,000 jobs in October. Job growth has averaged 167,000 per month thus far in 2019, compared with an average monthly gain of 223,000 in 2018. Employment declined in motor vehicles and parts manufacturing due to strike activity. Federal government employment was also down, reflecting a drop in the number of temporary jobs for the 2020 Census.
Did you know the U.S. Census Bureau reported that the homeownership rate reached 64.6% at the end of 2018, the highest level since the third quarter of 2014? Increasing millennial demand was one of the biggest trends influencing the housing market. We complied an overview of US economic trends for Q1 2019.
Odeta kushi presentation at #NEXTWINTER20Molly Dowdy
Odeta Kushi, everyone's favorite economist and the Deputy Chief Economist for First American spoke at #NEXTWINTER20 on the state of the housing economy. Here's the slide deck for your enjoyment!
http://pwc.to/1lN91cC
Comme tous les mois, l’équipe d’économistes de PwC publie une note sur la situation macro-économique mondiale. Ce mois-ci, focus sur l’accroissement des inégalités dans les pays matures ; les incertitudes concernant la croissance chinoise ; et les prévisions de croissance pour la Grande-Bretagne.
From 2010—the first full year after the official end of the Great Recession—to 2018, Vermont’s economy, as measured by gross state product, grew at less than one-third the rate of the country’s overall. Vermont’s annual growth rate, after adjusting for inflation, averaged 0.7 percent per year, compared with 2.3 percent for the U.S. That was also slower than Vermont’s own annual growth rate during the previous recovery (2002-07), which was 1.8 percent. From 2017 to 2018 Vermont’s real GSP grew by 1.2 percent.
May 2015 - Getting productivity back on trackFGV Brazil
Brazil’s growth will not resume without policies to make Brazilian business more productive. The end of the first quarter was marked by the realization that tight monetary and fiscal policies may take time to correct the economy’s imbalances and that high inflation and low growth may last longer than hoped.
The Brazilian Economy is one of the oldest publications for expert economic analysis of both the Brazilian and international economies. Through this publication, FGV’s Brazilian Institute of Economics and Finance (FGV/IBRE) compares different periods of the economy, assessing both macroeconomic considerations and scenarios related to finance, administration, marketing, management, insurance, statistics, and price indices.
For more information, and Brazilian economic index results, visit: http://bit.ly/1EA1Loz
Impacts and implications_of_covid-19_for_the_energy_industrySaidh KESSACI
Impacts of COVID-19 on electric and natural gas utilities in early April. The report reflects a review of many sources of information, with public health, economic, and industry data changing considerably day by day. The goal is to make a broad overview of energy industry implications available in one document.
March 2011 - Electricity regulation needs to be rechargedFGV Brazil
The Brazilian Economy is one of the oldest publications for expert economic analysis of both the Brazilian and international economies. Through this publication, FGV’s Brazilian Institute of Economics and Finance (FGV/IBRE) compares different periods of the economy, assessing both macroeconomic considerations and scenarios related to finance, administration, marketing, management, insurance, statistics, and price indices.
For more information, and Brazilian economic index results, visit: http://bit.ly/1EA1Loz
Nuricumbo + Partners is specialized on subjects such as financial due diligence for M&A, special audits, independent process assessments, debt/equity solutions, on-demand financial talent, anti-corruption initiatives, enterprise risk management, and corporate governance. We have become trusted business advisors for companies of all sizes, providing direct support to CEOs and CFOs in special or confidential projects.
UK corporate environment - November 2019Deloitte UK
1. Macro environment - Global economy set to grow at slowest pace since 2010 this year, and remain below trend in 2020. UK growth to remain soft this year and next. Brexit and geopolitical uncertainty loom large.
2. Momentum – UK avoided recession in Q3, business investment declining, manufacturing activity soft, household spending holding up but slowing.
3. Operating costs – cost pressures due to tight labour market but may loosen as firms pull back on hiring. Commodity prices and rental values soft. Credit conditions expected to tighten.
4. Corporate stance – risk appetite near lowest level since 2008, focus on cost reduction, deleveraging and increasing cash flow.
5. Balance sheet – cash rich, credit still relatively cheap and easily available but signs of tightening, profits falling.
6. Risks – effects of Brexit and weak domestic demand, rising global geopolitical risk and protectionism also a worry for large UK corporates.
Swiss Re sigma 3/2019: World insurance: the great pivot east continuesΔρ. Γιώργος K. Κασάπης
Global insurance premium volumes passed a new benchmark high of USD 5 trillion in 2018. Global life premium growth was weak, but there was solid performance in non-life in 2018.
The central narrative of this year's annual world insurance sigma is the continued rise of the emerging markets, mostly emerging Asia and China in particular, as the main drivers of industry growth. From 11% in 2018, China's share of global premiums will rise to 20% by 2029. China remains on course to become the world's biggest insurance market by mid-2030s. The whole of Asia-Pacific will account for 42% of the global premiums by 2029.
Swiss Re Institute forecasts close to 3% global premium growth in real terms per annum in 2019/20, against a slowing but still positive economic backdrop. Advanced market premiums will grow by 1.5%, and emerging markets by 7.9%. China will be the largest contributor, in both life and non-life. Overall, however, the advanced markets will still provide almost half of additional premiums in absolute terms in the next two years.
Rarely has there been more uncertainty regarding the course of the public finances over the next five years. In this note we aim to answer some of the big questions for the economy in light of the 2021 budget.
Ten years of job growth were wiped out in one month, when 20.8 million jobs were lost in April 2020. In comparison, a total of 8.7 million jobs were lost during the Great Recession. The economy added back 1.8 million jobs in July 2020, marketing the third consecutive month of jobs gains, yet remained 12.8 million jobs below the pre-pandemic level.
From 2010—the first full year after the official end of the Great Recession—to 2018, Vermont’s economy, as measured by gross state product, grew at less than one-third the rate of the country’s overall. Vermont’s annual growth rate, after adjusting for inflation, averaged 0.7 percent per year, compared with 2.3 percent for the U.S. That was also slower than Vermont’s own annual growth rate during the previous recovery (2002-07), which was 1.8 percent. From 2017 to 2018 Vermont’s real GSP grew by 1.2 percent.
May 2015 - Getting productivity back on trackFGV Brazil
Brazil’s growth will not resume without policies to make Brazilian business more productive. The end of the first quarter was marked by the realization that tight monetary and fiscal policies may take time to correct the economy’s imbalances and that high inflation and low growth may last longer than hoped.
The Brazilian Economy is one of the oldest publications for expert economic analysis of both the Brazilian and international economies. Through this publication, FGV’s Brazilian Institute of Economics and Finance (FGV/IBRE) compares different periods of the economy, assessing both macroeconomic considerations and scenarios related to finance, administration, marketing, management, insurance, statistics, and price indices.
For more information, and Brazilian economic index results, visit: http://bit.ly/1EA1Loz
Impacts and implications_of_covid-19_for_the_energy_industrySaidh KESSACI
Impacts of COVID-19 on electric and natural gas utilities in early April. The report reflects a review of many sources of information, with public health, economic, and industry data changing considerably day by day. The goal is to make a broad overview of energy industry implications available in one document.
March 2011 - Electricity regulation needs to be rechargedFGV Brazil
The Brazilian Economy is one of the oldest publications for expert economic analysis of both the Brazilian and international economies. Through this publication, FGV’s Brazilian Institute of Economics and Finance (FGV/IBRE) compares different periods of the economy, assessing both macroeconomic considerations and scenarios related to finance, administration, marketing, management, insurance, statistics, and price indices.
For more information, and Brazilian economic index results, visit: http://bit.ly/1EA1Loz
Nuricumbo + Partners is specialized on subjects such as financial due diligence for M&A, special audits, independent process assessments, debt/equity solutions, on-demand financial talent, anti-corruption initiatives, enterprise risk management, and corporate governance. We have become trusted business advisors for companies of all sizes, providing direct support to CEOs and CFOs in special or confidential projects.
UK corporate environment - November 2019Deloitte UK
1. Macro environment - Global economy set to grow at slowest pace since 2010 this year, and remain below trend in 2020. UK growth to remain soft this year and next. Brexit and geopolitical uncertainty loom large.
2. Momentum – UK avoided recession in Q3, business investment declining, manufacturing activity soft, household spending holding up but slowing.
3. Operating costs – cost pressures due to tight labour market but may loosen as firms pull back on hiring. Commodity prices and rental values soft. Credit conditions expected to tighten.
4. Corporate stance – risk appetite near lowest level since 2008, focus on cost reduction, deleveraging and increasing cash flow.
5. Balance sheet – cash rich, credit still relatively cheap and easily available but signs of tightening, profits falling.
6. Risks – effects of Brexit and weak domestic demand, rising global geopolitical risk and protectionism also a worry for large UK corporates.
Swiss Re sigma 3/2019: World insurance: the great pivot east continuesΔρ. Γιώργος K. Κασάπης
Global insurance premium volumes passed a new benchmark high of USD 5 trillion in 2018. Global life premium growth was weak, but there was solid performance in non-life in 2018.
The central narrative of this year's annual world insurance sigma is the continued rise of the emerging markets, mostly emerging Asia and China in particular, as the main drivers of industry growth. From 11% in 2018, China's share of global premiums will rise to 20% by 2029. China remains on course to become the world's biggest insurance market by mid-2030s. The whole of Asia-Pacific will account for 42% of the global premiums by 2029.
Swiss Re Institute forecasts close to 3% global premium growth in real terms per annum in 2019/20, against a slowing but still positive economic backdrop. Advanced market premiums will grow by 1.5%, and emerging markets by 7.9%. China will be the largest contributor, in both life and non-life. Overall, however, the advanced markets will still provide almost half of additional premiums in absolute terms in the next two years.
Rarely has there been more uncertainty regarding the course of the public finances over the next five years. In this note we aim to answer some of the big questions for the economy in light of the 2021 budget.
Ten years of job growth were wiped out in one month, when 20.8 million jobs were lost in April 2020. In comparison, a total of 8.7 million jobs were lost during the Great Recession. The economy added back 1.8 million jobs in July 2020, marketing the third consecutive month of jobs gains, yet remained 12.8 million jobs below the pre-pandemic level.
Arbor Realty's U.S. Economic Overview for 2018 q4 with insights on U.S. employment growth, the consumer price index, average earnings and the homeownership rate.
CRFB_Fiscal Policy in High Inflation.pptxCRFBGraphics
This slide deck was used by Marc Goldwein, Senior Vice President and Senior Policy Director for the Committee for a Responsible Federal Budget, during a recent presentation on inflation and fiscal policy
Simplify Markets explains the forces affecting Canberra’s property market, along with how they are perceived through an agents experience working with vendors and buyers.
2020 Economic Review Final: An Annual Review of New Jersey's EconomyNicoleMSandelier
2020 was a year unlike any other we’ve experienced during our lifetime. The novel coronavirus pandemic caused havoc on New Jersey’s public health and economy. The pandemic caused government-mandated, nonessential business closures and stay-at-home orders that were in effect from mid-March to mid-June 2020 in the Garden State with many businesses continuing to operate at restricted capacity through year end.
➢ This resulted in record high unemployment rates and record contraction in GDP.
➢ Small businesses were devastated and many were forced to shut their doors, either temporarily or permanently.
➢ Early data indicates that the pandemic had a disproportional impact on minority workers and workers of color.
➢ In total, over 1.9 million people filed unemployment claims and received more than $20 billion in unemployment benefits.
➢ Personal income increased despite record high unemployment, due to state unemployment benefits, extended benefits, and federal stimulus monies.
The goal of this research is to provide readers with a detailed review of key statistics on New Jersey’s economic activity, otherwise known as economic indicators. These indicators help to judge the overall health of an economy. Many sources have yet to report 2020 data, including the U.S. Census Bureau. As such, this is a working document that will be modified to include statistics relating to race, gender and households when updated data becomes available.
On 21 September 2018, Scope affirmed the US sovereign rating at AA/ Stable. What are the factors which contribute to the United States losing its AAA rating?
Slide presentation from Gary Keith, vice president and regional economist for M & T Bank, who assessed the key economic indicators for 2008 and talked about what’s in store for our region in 2009 at the Greater Syracuse Chamber of Commerce's 2008 Economic Forecast Luncheon.
Small Apartment Properties Form Core of Workforce Rental Demand In the Top M...Ivan Kaufman
Small apartment buildings comprise the largest share of workforce housing demand within the top 20 metros, while single-family rentals dominate the next 30.
Workforce Rental Demand Growing Faster In Smaller Metros Ivan Kaufman
Workforce rental housing demand has increased the most in the smaller metros where apartment properties - both small and large - are increasing their shares of this demand segment.
The Changing Occupational Profile of Workforce Segment Renters Ivan Kaufman
Workforce segment renters living in small apartment properties are adapting to the changing economy, while also representing a board occupational base.
Single-Family Rentals | Q2 2020 | Arbor Realty Trust, Inc. Ivan Kaufman
The growing acceptability and adoption of work-from-home setups are framing housing decisions across the board, boosting demand for exurban housing options. However, as many of the accommodative features in the CARES act expire, the likelihood of increased tenant performance issues in the coming months remain high. All else equal, while the single-family rental sector will continue to work some COVID-related performance issues, it is as well insulated as any residential product type over the medium term.
Multifamily Properties Capture Largest Share of Overall U.S. Workforce Housin...Ivan Kaufman
Multifamily properties capture the largest share of the overall U.S. workforce rental demand, while single-family rentals are the largest individual asset class.
Arbor Small Multifamily Report Q1 2020Ivan Kaufman
The nation’s rental market has a total of 41.9 million renter-occupied housing units as of 2018, according to the U.S. Census Bureau’s latest American Community Survey. Small multifamily, which includes apartment properties of 5 to 49 units, represented 33% (13.7 million units) of the total rental market.
Arbor Single Family Rentals Report 2020 Q1Ivan Kaufman
Unsurprisingly, COVID-19 is the unavoidable and overarching theme across all areas of commercial real estate - the singe family rental (SFR) sector is no exception.
Fewer Households Cost Burdened in Small Apartment AssetsIvan Kaufman
Data on the extent of housing-cost burden shows that relatively fewer households in small apartment properties are impacted severely by rental expenses.
Small Apartment Properties Pack Value For Money with More Space in Urban Adja...Ivan Kaufman
In their unit mix, small apartment buildings are more specialized in bigger units compared to large properties, while also being more affordable. Renters can find value in small apartment property.
Small Multifamily Loans | Arbor Q4 2019Ivan Kaufman
Small multifamily represents a third of the rental market. The nation’s rental market had a total of 41.9 million renter-occupied housing units, as of 2018. Small multifamily, which includes apartment properties of 5 to 49 units, represented 33% (13.7 million) of the total rental market.
Over the past decade, the market for single-family rentals (SFRs) has evolved and emerged as an institutionally viable asset class. In a few years, we will likely look back and consider 2019 to be the sector’s inflection point, where it transitioned from a niche-alternative asset class to a mainstream property type. As the sector gains interest from both investors and renters alike, build-to-rent strategies have emerged as a solution to match supply levels with growing demand.
Small Apartment Buildings Vital for Urban Workforce HousingIvan Kaufman
Household income data underscores the importance of small apartment buildings in maintaining workforce housing options, and thereby, the economic dynamism of cities.
Families With Children Dominate Single-Family Rental Demand, Single Renters o...Ivan Kaufman
Small asset multifamily's affordable profile has allowed the asset class to cater to families. However, deeper analysis uncovers its success in capturing single renter demand.
Single-Family Rental Market | Q3 2019 Ivan Kaufman
The market for single-family rentals (SFRs) in 2019 has continued to take significant steps forward. Build-to-rent strategies have emerged as the sector’s solution to match supply levels with growing demand. Cap rates held steady through the summer months and remained near their lowest levels as part of Chandan Economics’ post-crisis tracking.
Are Baby Boomers the New Millennials in Multifamily?Ivan Kaufman
Check out Arbor's latest infographic examining the role of Baby Boomers in the multifamily market. Latest reports show that the Baby Boomers are outpacing Millennials in the rental market.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
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The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
2. 1
Arbor Economic Overview Q1 2020
U.S. Recession
-900.0
-600.0
-300.0
0.0
300.0
600.0
Mar-05 Sep-06 Mar-08 Sep-09 Mar-11 Sep-12 Mar-14 Sep-15 Mar-17 Sep-18 Mar-20
Monthly Change 12-Month Moving Average
Source: U.S. Bureau of Labor Statistics; National Bureau of Economic Research
Employment Growth, Monthly
United States, All Employees, Total Nonfarm, Seasonally Adjusted, Thousands
Total nonfarm payroll employment fell by 701,000 in March 2020, measuring the effects of COVID-19 and efforts to contain it. Employment
in leisure and hospitality fell by 459,000, mainly in food services and drinking places. Notable declines also occurred in health care and
social assistance, professional and business services, retail trade, and construction.
3. 2
Arbor Economic Overview Q1 2020
U.S. Recession
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
Mar-05 Sep-06 Mar-08 Sep-09 Mar-11 Sep-12 Mar-14 Sep-15 Mar-17 Sep-18 Mar-20
Unemployment Rate (%)
Source: U.S. Bureau of Labor Statistics; U.S. Employment and Training Administration; National Bureau of Economic Research
Unemployment Rate
United States, Seasonally Adjusted, Monthly, End of Period
In March, the unemployment rate increased to 4.4%. This is the largest over-the-month increase in the rate since January 1975. The number
of unemployed persons rose by 1.4 million to 7.1 million in March. The sharp increases in these measures reflect the effects of the
coronavirus and efforts to contain it.
4. 3
Arbor Economic Overview Q1 2020
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
Mar-68 Mar-72 Mar-76 Mar-80 Mar-84 Mar-88 Mar-92 Mar-96 Mar-00 Mar-04 Mar-08 Mar-12 Mar-16 Mar-20
U.S. Recession Initial Claims
Source: U.S. Employment and Training Administration; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Initial Weekly Unemployment Claims
United States, Seasonally Adjusted, Weekly Ending Saturday, Updated April 2, 2020
March 28, 2020
6.6 Million
Jobless claims continued to take a massive hit on U.S. employment during the week ended March 28, as an additional 6.6 million workers
applied for unemployment claims, up from a record-breaking 3.3 million during the previous week. Before the coronavirus shutdown, the
highest week for claims was 695,000 in 1982 and the Great Recession high was 665,000 in March 2009.
5. 4
Arbor Economic Overview Q1 2020
Mining and
Logging
0.5%
Construction
4.9%
Manufacturing
8.5%
Trade,
Transportation,
and Utilities
18.2%
Information
1.9%
Financial
Activities
5.8%
Professional
and Business
Services
14.1%
Education and
Health Services
16.3%
Leisure and
Hospitality
10.6%
Other Services
3.9%
Government
15.3%
Source: U.S. Bureau of Labor Statistics
Employment By Industry
United States, Thousands, March 2020
Employment Growth By Industry
United States, 12-Month % Change, March 2020
Mining and Logging
Construction
Manufacturing
Trade, Transportation, and Utilities
Information
Financial Activities
Professional and Business Services
Education and Health Services
Leisure and Hospitality
Other Services
Government
Total Nonfarm
-5.0% -2.5% 0.0% 2.5% 5.0%
6. 5
Arbor Economic Overview Q1 2020
Employment Growth by Metropolitan Area
Total Nonfarm, Not Seasonally Adjusted, 12-Month % Change, March 2019 to March 2020
Source: U.S. Bureau of Labor Statistics
In March, Kahului-Wailuku-Lahaina, HI, and
Urban Honolulu, HI, had the lowest
unemployment rates, 2.1% each, while El
Centro, CA, had the highest unemployment
rate, 20.5%.
A total of 226 areas had March jobless rates
below the U.S. rate of 4.5 percent, 150
areas had rates above it, and 13 areas had
rates equal to that of the nation.
El Centro, CA, had the largest over-the-year
unemployment rate increase in March (+3.9
percentage points). A total of 117 other
areas had rate increases of at least 1.0
percentage point. The largest over-the-year
rate decrease occurred in Yakima, WA (-2.5
percentage points).
7. 6
Arbor Economic Overview Q1 2020
U.S. Recession
-3.0%
-1.0%
1.0%
3.0%
5.0%
7.0%
Mar-05 Sep-06 Mar-08 Sep-09 Mar-11 Sep-12 Mar-14 Sep-15 Mar-17 Sep-18 Mar-20
CPI All Items Rent of Primary Residence
Consumer Price Index and Rent of Primary Residence
United States, All Items, Not Seasonally Adjusted, 12-Month % Change, 1982-84=100
Over the last 12 months, the Consumer Price Index (CPI) increased 1.5%. A sharp decline in the gasoline index was a major cause of the
decrease, along with decreases for airline fares, lodging away from home, and apparel. Key indicators of affordability also worsened, as the
CPI rent index increased 3.7%, significantly higher than inflation, while average hourly earnings rose at a slower rate of 3.1%.
Source: U.S. Bureau of Labor Statistics; National Bureau of Economic Research
8. 7
Arbor Economic Overview Q1 2020
U.S. Recession
-10.0%
-5.0%
0.0%
5.0%
10.0%
1Q05 1Q06 1Q07 1Q08 1Q09 1Q10 1Q11 1Q12 1Q13 1Q14 1Q15 1Q16 1Q17 1Q18 1Q19 1Q20
Real Gross Domestic Product (%) 15-Year Average
Source: U.S. Bureau of Economic Analysis; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Real Gross Domestic Product
United States, Quarterly Change from Preceding Period, Seasonally Adjusted at Annual Rates, Based on Chained 2009 Dollars
The decline in first quarter GDP was, in part, due to the response to the spread of COVID-19, as governments issued "stay-at-home" orders
in March. This led to rapid changes in demand, as businesses and schools switched to remote work or canceled operations, and consumers
canceled, restricted, or redirected their spending.
9. 8
Arbor Economic Overview Q1 2020
U.S. Recession
$12.0
$14.5
$17.0
$19.5
$22.0
1Q05 1Q06 1Q07 1Q08 1Q09 1Q10 1Q11 1Q12 1Q13 1Q14 1Q15 1Q16 1Q17 1Q18 1Q19 1Q20
Real Gross Domestic Product ($)
Real Gross Domestic Product
United States, Trillions of Chained 2012 Dollars, Seasonally Adjusted Annual Rate, Quarterly
Source: U.S. Bureau of Economic Analysis; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
10. 9
Arbor Economic Overview Q1 2020
U.S. Recession
0.0
200.0
400.0
600.0
800.0
1,000.0
1955
1957
1959
1961
1963
1965
1967
1969
1971
1973
1975
1977
1979
1981
1983
1985
1987
1989
1991
1993
1995
1997
1999
2001
2003
2005
2007
2009
2011
2013
2015
2017
2019
Corporate Profits Compensation of Employees
Source: U.S. Bureau of Economic Analysis; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Corporate Profits and Compensation of Employees
Includes Gross Domestic Product: Implicit Price Deflator, Seasonally Adjusted Annual Rate, Quarterly, Index 1954=100
“The trends of the two series tend to track each other over several decades, reflecting the general growth of the economy. The past
decade and a half seems to be different, though. Never have corporate profits outgrown employee compensation so clearly and for so
long.” - Federal Reserve Bank of St. Louis, August 9, 2018
11. 10
Arbor Economic Overview Q1 2020
U.S. Recession
-15.0%
-10.0%
-5.0%
0.0%
5.0%
10.0%
15.0%
20.0%
Feb-05 Feb-06 Feb-07 Feb-08 Feb-09 Feb-10 Feb-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Feb-17 Feb-18 Feb-19 Feb-20
S&P/Case-Shiller U.S. National Home Price Index
Home Price Growth
United States, Not Seasonally Adjusted
Source: S&P Dow Jones Indices LLC; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
The S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index reported a 4.2% annual gain in February, up from 3.9% in the previous
month. Phoenix, Seattle, Tampa and Charlotte reported the highest year-over-year gains among the 20 cities. In February, Phoenix led the
way with a 7.5% year-over-year price increase, followed by Seattle with a 6.0% increase, and Tampa and Charlotte with 5.2% increases.
12. 11
Arbor Economic Overview Q1 2020
U.S. Recession
0.0%
2.0%
4.0%
6.0%
8.0%
10.0%
12.0%
60.0%
62.0%
64.0%
66.0%
68.0%
70.0%
1965 1970 1975 1980 1985 1990 1995 2000 2005 2010 2015 YTD20
Homeownership Rate Homeowner Vacancy Rental Vacancy
Source: U.S. Census Bureau; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Homeownership Rate
United States, Not Seasonally Adjusted, Annual, End of Period
The homeownership rate was 65.1% at the end of 2019, remaining at the highest level since 2014. Increased first-time homeowner
demand was one of the biggest trends influencing the housing market, as the homeownership rate for those under 35 years old increased
to 37.6%, up from the most recent low of 34.1%, the largest increase for all age groups since 2016.
13. 12
Arbor Economic Overview Q1 2020
30.0%
42.0%
54.0%
66.0%
78.0%
90.0%
All ages Under 35 years 35 to 44 years 45 to 54 years 55 to 64 years 65 years and over
Previous Peak (2003) Year-End 2019
Homeownership Rate by Age of Householder
United States, Not Seasonally Adjusted, Annual, End of Period
Source: U.S. Census Bureau
14. 13
Arbor Economic Overview Q1 2020
13
Homeownership and Household Formation
United States, Not Seasonally Adjusted, Annual, End of Period
Source: U.S. Census Bureau; Retrieved from FRED, Federal Reserve Bank of St. Louis
60.0%
62.5%
65.0%
67.5%
70.0%
-1.0
0.0
1.0
2.0
3.0
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 YTD20
Thousands
Owner-Occupied Housing Units (Millions) Renter-Occupied Housing Units (Millions) Homeownership Rate (%)
15. 14
Arbor Economic Overview Q1 2020
0
25
50
75
100
125
150
Apr-33to
Apr-37
Jul-38to
Jan-45
Nov-45to
Oct-48
Nov-49to
Jun-53
Jun-54to
Jul-57
May-58to
Mar-60
Mar-61to
Nov-69
Dec-70to
Oct-73
Apr-75to
Dec-79
Aug-80to
Jun-81
Dec-82to
Jun-90
Apr-91to
Feb-01
Dec-01to
Nov-07
Jul-09to
Current
Time Between Recessions (Months) Average
Source: National Bureau of Economic Research
Durations of Expansions: Time Between Recessions
NBER-Based Recession Indicators for the U.S. from the Peak Through the Trough
The economy grew for 129 consecutive months,
the longest economic expansion in U.S. history.
16. 15
Arbor Economic Overview Q1 2020
U.S. Recession
0.0%
1.5%
3.0%
4.5%
6.0%
Mar-05 Sep-06 Mar-08 Sep-09 Mar-11 Sep-12 Mar-14 Sep-15 Mar-17 Sep-18 Mar-20
3-Month Treasury 2-Year Treasury 10-Year Treasury 30-Year Treasury
Source: Board of Governors of the Federal Reserve System; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Treasury Yield Curve as a Predictor of U.S. Recessions
Monthly, End of Period, Not Seasonally Adjusted
“Research beginning in the late 1980s documents the empirical regularity that the slope of the yield curve is a reliable predictor of future
real economic activity.” - Federal Reserve Bank of New York
17. 16
Arbor Economic Overview Q1 2020
$0.0
$0.5
$1.0
$1.5
$2.0
$2.5
$3.0
Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20
Excess Reserves Required Reserves U.S. Recession
Source: Federal Reserve Bank of St. Louis; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Excess Reserves of Depository Institutions
Monthly, Not Seasonally Adjusted, Trillions
18. 17
Arbor Economic Overview Q1 2020
-2.00
0.00
2.00
4.00
6.00
8.00
Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20
U.S. Recession St. Louis Fed Financial Stress Index
Source: Federal Reserve Bank of St. Louis; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
St. Louis Fed Financial Stress Index
United States, Not Seasonally Adjusted, Monthly, End of Period, Version 2.0
The St. Louis Fed Financial Stress Index attempts to measure financial market stress by combining many indicators into a single index
number. One type of risk prominent in the 2008-2009 financial crisis is once again present—in the current COVID-19 novel coronavirus
crisis. It is the inability of many financial institutions to secure funding to finance their short-term liabilities, known as liquidity risk.
19. 18
Arbor Economic Overview Q1 2020
U.S. Recession
$0.0
$25.0
$50.0
$75.0
$100.0
$125.0
$150.0
Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17 Mar-18 Mar-19 Mar-20
WTI Crude ($)
Source: U.S. Energy Information Administration; National Bureau of Economic Research; Retrieved from FRED, Federal Reserve Bank of St. Louis
Crude Oil Prices: West Texas Intermediate (WTI) - Cushing, Oklahoma
Dollars per Barrel, Not Seasonally Adjusted, Monthly, End of Period
“Global oil demand is being destroyed as the coronavirus forces people around the world to remain indoors and avoid all unnecessary
travel. U.S. oil demand has now fallen to 14.4 million barrels a day, the lowest in data going back to 1990 and a drop of more than 30%
from pre-crisis levels.” - Bloomberg, April 9, 2020
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About Us
Arbor Realty Trust, Inc. (NYSE:ABR) is a nationwide real estate investment trust and direct lender, providing loan
origination and servicing for multifamily, single-family rental (SFR) portfolios, seniors housing, healthcare and other
diverse commercial real estate assets. Headquartered in Uniondale, New York, Arbor manages a multibillion-dollar
servicing portfolio, specializing in government-sponsored enterprise products. Arbor is a Fannie Mae DUS® lender and
Freddie Mac Optigo Seller/Servicer. Arbor’s product platform also includes CMBS, bridge, mezzanine and preferred
equity loans. Rated by Standard and Poor’s and Fitch Ratings, Arbor is committed to building on its reputation for
service, quality and customized solutions with an unparalleled dedication to providing our clients excellence over the
entire life of a loan.
The research contained in this report should not be construed as a solicitation to and/or trade. All opinions, news,
research, analyses, prices or other information is provided as general market commentary and not as investment advice;
all information is subject to change. Arbor, its members, shareholders, employees, agents and representatives do not
warrant the completeness, accuracy or timeliness of the information supplied, and shall not be liable for any loss or
damages, consequential or otherwise, which may arise from the use or reliance on the content contained herein. Past
performance is not indicative of future performance.