This document discusses various perspectives on the Green Deal, including consumer concerns, gaps in understanding, and potential roles for local authorities and community interest companies. Key uncertainties raised include the cost effectiveness for consumers, uptake levels, cooperation between local authorities, and ensuring impartial advice from businesses. Questions are also posed about funding, eligibility, incentives, governance, and monitoring the impact of the Green Deal.
Technology Impact on Secular Industries Duetsche Bank Leveraged Finance Confe...Ted Stenger
The Impact of Technology on Secular Trends. Examining the impact of technology on secular industries including media, publishing, retail and consumer products. Business model pitfalls
on August 11th, 2015, Dave Carey and Matthew Brown from Harcourt Brown & Carey presented to representatives from New York's largest IOU's on on bill repayment and on bill finance
A full report of proceedings at MALG's Annual Conference and Exhibition 2014, which took place at the Royal College of Physicians Wednesday 19th November.
Education sector newsletter which features updates arising out of June's AoC/CFDG Finance Conference and a summary of the key points made by the FE Commissioner in his presentation to the Conference and our thoughts on the Skills Funding Agency’s presentation on common issues coming out of PFA audits.
Updated for 2021 - 10 Laws of Government Sales & MarketingDustin Haisler
COVID-19 changed everything in the state and local government sales & marketing landscape. In response, we've updated our globally recognized 10 Laws of Government Sales & Marketing as you navigate this process in 2021 and beyond!
Employee ownership: Protect your legacy even in challenging times (thriving t...project-equity
Hosted by Project Equity and Northcoast SBDC / Webinar recorded on August 12, 2020
Small business owners are facing tremendous challenges today and uncertain what tomorrow may bring. Some of you are wondering how this crisis will affect your business succession.
Employee buyouts can be a powerful succession strategy. They’re also a strong way to sustain your legacy: employee-owned businesses demonstrate better long-term resilience and performance.
Learn how selling to your employees benefits the exiting owner as well as the new owners. Come away with some practical next steps. Qualified North Coast SBDC clients may access a no-cost feasibility analysis for your business through Project Equity.
Ethics and social responsibilityWEEK 2 (Ch 2)FLORIDA NATIOBetseyCalderon89
Ethics and social responsibility
WEEK 2 (Ch 2)
FLORIDA NATIONAL UNIVERSITY
PROFESSOR NICOLAS CUERVO
SPRING B
Understanding and practicing good business ethics is an important part of a manager’s job. Ethics is the study of moral obligation, or separating right from wrong.
Although many unethical acts are illegal, others are legal and issues of legality vary by nation.
An example of an illegal unethical act in the United States is giving a government official a kickback for placing a contract with a specific firm.
A useful perspective in understanding business ethics emphasizes moral intensity, or the magnitude of an unethical act. When an unethical act is not of large consequence, a person might behave unethically without much thought
BUSINESS ETHICS
Values are closely related to ethics. Values can be considered clear statements of what is critically important. Ethics become the vehicle for converting values into actions, or doing the right thing. For example, a clean environment is a value, whereas not littering is practicing ethics.
Many firms con- tend that they “put people before profits” (a value). If this assertion were true, a manager would avoid actions such as delaying payments to a vendor just to hold on to money longer or firing a group member for having negotiated a deal that lost money.
The concept of ethically centered management helps put some teeth into an abstract discussion of how values relate to ethics. Ethically centered management emphasizes that the high quality of an end product takes precedence over its scheduled completion.
Values and Ethics
Self-interest continues to be a factor that influences ethics, often taking the form of greed and gluttony or the desire to maximize self-gain at the expense of others. For example, when a company is losing money, is the CEO justified in maneuvering his or her way into a $20 million compensation package for that year?
Greed and gluttony are sometimes attributed to a Machiavellian personality that relates to a desire to manipulate others for personal
Sources of Unethical Decisions and Behavior-Individual Characteristics
The moral intensity of the issue is a driver of unethical behavior; many people are willing to behave unethically when the issue does not appear serious.
Visualize Gus, preparing a vat of soup at a food company. If one mosquito flies into the vat, Gus might go ahead and send the soup off for placement into cans.
However, if a swarm of hornets flew into the soup, Gus might blow the whistle even if he knew his supervisor would not be happy about stopping the line.
Another issue-related driver of unethical behavior is moral laxity, a slip- page in moral behavior because other issues seem more important at the time.
Sources of Unethical Decisions and Behavior-The Nature of the Moral Issue
Another major contributor to unethical behavior is an organizational atmosphere that condones such behavior.
A group of case histories of unethical behavior in busi ...
The #1 reason clients leave their CPAs is that they are receiving service instead of proactive advice. Tom will show how firms are exploring new value added services and position their practices for success in a rapidly changing world. He will discuss the major "shift change" and the trends shaping business today and give participants a framework to provide more proactive services and strategic advice and a plan to get started. But these services require new skills and approaches which is a big opportunity for firm HR and Learning Leaders.
Presentation to AGN International in San Diego #NARM16 for Managing Partners in MAP Track
In this lecture, I speak about the importance of creating buy in for sustainability, ways that champions can traverse internal structures, and how to then engage external partners.
Some days it feels like a roller coaster. Even a crystal ball would do little good because things change so fast. With the
power of the internet, we can get the changing pulse of the economy – from around the world and in our backyards – within seconds of something happening; all adding to the sense of what next? I’m like everyone else: seeing, reading and hearing all the economic news and thinking, “What can I do to help?”
Technology Impact on Secular Industries Duetsche Bank Leveraged Finance Confe...Ted Stenger
The Impact of Technology on Secular Trends. Examining the impact of technology on secular industries including media, publishing, retail and consumer products. Business model pitfalls
on August 11th, 2015, Dave Carey and Matthew Brown from Harcourt Brown & Carey presented to representatives from New York's largest IOU's on on bill repayment and on bill finance
A full report of proceedings at MALG's Annual Conference and Exhibition 2014, which took place at the Royal College of Physicians Wednesday 19th November.
Education sector newsletter which features updates arising out of June's AoC/CFDG Finance Conference and a summary of the key points made by the FE Commissioner in his presentation to the Conference and our thoughts on the Skills Funding Agency’s presentation on common issues coming out of PFA audits.
Updated for 2021 - 10 Laws of Government Sales & MarketingDustin Haisler
COVID-19 changed everything in the state and local government sales & marketing landscape. In response, we've updated our globally recognized 10 Laws of Government Sales & Marketing as you navigate this process in 2021 and beyond!
Employee ownership: Protect your legacy even in challenging times (thriving t...project-equity
Hosted by Project Equity and Northcoast SBDC / Webinar recorded on August 12, 2020
Small business owners are facing tremendous challenges today and uncertain what tomorrow may bring. Some of you are wondering how this crisis will affect your business succession.
Employee buyouts can be a powerful succession strategy. They’re also a strong way to sustain your legacy: employee-owned businesses demonstrate better long-term resilience and performance.
Learn how selling to your employees benefits the exiting owner as well as the new owners. Come away with some practical next steps. Qualified North Coast SBDC clients may access a no-cost feasibility analysis for your business through Project Equity.
Ethics and social responsibilityWEEK 2 (Ch 2)FLORIDA NATIOBetseyCalderon89
Ethics and social responsibility
WEEK 2 (Ch 2)
FLORIDA NATIONAL UNIVERSITY
PROFESSOR NICOLAS CUERVO
SPRING B
Understanding and practicing good business ethics is an important part of a manager’s job. Ethics is the study of moral obligation, or separating right from wrong.
Although many unethical acts are illegal, others are legal and issues of legality vary by nation.
An example of an illegal unethical act in the United States is giving a government official a kickback for placing a contract with a specific firm.
A useful perspective in understanding business ethics emphasizes moral intensity, or the magnitude of an unethical act. When an unethical act is not of large consequence, a person might behave unethically without much thought
BUSINESS ETHICS
Values are closely related to ethics. Values can be considered clear statements of what is critically important. Ethics become the vehicle for converting values into actions, or doing the right thing. For example, a clean environment is a value, whereas not littering is practicing ethics.
Many firms con- tend that they “put people before profits” (a value). If this assertion were true, a manager would avoid actions such as delaying payments to a vendor just to hold on to money longer or firing a group member for having negotiated a deal that lost money.
The concept of ethically centered management helps put some teeth into an abstract discussion of how values relate to ethics. Ethically centered management emphasizes that the high quality of an end product takes precedence over its scheduled completion.
Values and Ethics
Self-interest continues to be a factor that influences ethics, often taking the form of greed and gluttony or the desire to maximize self-gain at the expense of others. For example, when a company is losing money, is the CEO justified in maneuvering his or her way into a $20 million compensation package for that year?
Greed and gluttony are sometimes attributed to a Machiavellian personality that relates to a desire to manipulate others for personal
Sources of Unethical Decisions and Behavior-Individual Characteristics
The moral intensity of the issue is a driver of unethical behavior; many people are willing to behave unethically when the issue does not appear serious.
Visualize Gus, preparing a vat of soup at a food company. If one mosquito flies into the vat, Gus might go ahead and send the soup off for placement into cans.
However, if a swarm of hornets flew into the soup, Gus might blow the whistle even if he knew his supervisor would not be happy about stopping the line.
Another issue-related driver of unethical behavior is moral laxity, a slip- page in moral behavior because other issues seem more important at the time.
Sources of Unethical Decisions and Behavior-The Nature of the Moral Issue
Another major contributor to unethical behavior is an organizational atmosphere that condones such behavior.
A group of case histories of unethical behavior in busi ...
The #1 reason clients leave their CPAs is that they are receiving service instead of proactive advice. Tom will show how firms are exploring new value added services and position their practices for success in a rapidly changing world. He will discuss the major "shift change" and the trends shaping business today and give participants a framework to provide more proactive services and strategic advice and a plan to get started. But these services require new skills and approaches which is a big opportunity for firm HR and Learning Leaders.
Presentation to AGN International in San Diego #NARM16 for Managing Partners in MAP Track
In this lecture, I speak about the importance of creating buy in for sustainability, ways that champions can traverse internal structures, and how to then engage external partners.
Some days it feels like a roller coaster. Even a crystal ball would do little good because things change so fast. With the
power of the internet, we can get the changing pulse of the economy – from around the world and in our backyards – within seconds of something happening; all adding to the sense of what next? I’m like everyone else: seeing, reading and hearing all the economic news and thinking, “What can I do to help?”
Similar to Big green deal outputs and questions (20)
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
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
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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.
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
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
63. GD may not be the perfect scheme however if LAs don’t get involved now there may be criticism from HH etc. & LAs may miss the chance to influence what the GD will look like locally.
64. What difference will there be from referral to cocoon now for available grants etc to referring to green deal in the future?