The document contains several charts and graphs presenting real estate data for The Woodlands area from 2012-2014. It shows trends in total active listings, average months of inventory, total new contracts written, average days on market, and average list price versus sale price. Overall listings and contracts written were higher in 2012 than later years while average months of inventory and days on market decreased over time. Sale prices tended to be over 95% of original listing prices on average.
Learn how to save more money, an alternative to IRA, 401K, CD's, etc. A financial tool that gets the upside of the stock market that never goes backwards. Gains and Interest are Tax Free! Have access to your money at any time for any reason, without penalty, no extra charge for Terminal and Chronic Illness Riders, Long term care protection. Tax Free for any reason. Save for College, wedding, and retirement. Earn 300% more income than IRA, Roth, 401K, TSA, SEP, etc. Lower fees, Greater Safety use and Total Control of Your Money. Learn more about a Life Savings Account, today!
This document provides an overview of Prescient Limited, a South African investment management firm, and its subsidiaries, investment teams, funds, and performance. Some key points:
- Prescient Limited has various subsidiaries that provide financial services including investment management, life insurance, and securities.
- The firm has a global presence with offices in South Africa, Namibia, Ireland, and China.
- It offers a range of actively managed solution funds targeting different risk and return objectives, such as income, capital preservation, and long-term growth.
- Performance charts are shown for some of their flagship funds such as the Income Provider, Positive Return, and Africa funds, demonstrating strong returns above benchmarks.
Temasek Review 2014- Our journey has just begun (media conference presentation)Temasek
The 11th edition of the Temasek Review, “Our journey has just begun”, was launched on 8 July 2014 and marks the 40th year since the company was first founded in 1974.
Structure
- The Temasek Charter
- Ten-Year Performance Overview
- Portfolio Highlights
- From Our Chairman
- Investor
- Institution
- Steward
- Group Financial Summary
- Major Investments
- Contact Information
- Temasek Portfolio at Inception
Visit www.temasekreview.com.sg for the latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek.
How do investors pick the winning asset class? What is the importance of asset allocation and how do you build an effective asset allocation strategy? Through this deck, find answers to the benefits of equity, debt and gold assets and how does one select mutual funds to fulfill long term goals.
www.Quantumamc.com
The document summarizes Callan's 2017 10-year capital market projections. Key points include:
- Broad U.S. equity is projected to return 6.85% annually with a standard deviation of 18.25%.
- U.S. fixed income is expected to return 3% annually with less risk (standard deviation of 3.2%) as yields rise gradually.
- Real estate is projected to return 5.75% annually with a standard deviation of 9.15%, reflecting declining cap rates.
Making the Case for Future Facilities Funding_CAPPA 2015Sightlines
This session explores how The University of Arkansas was able to create a 15-year Facility Renewal & Stewardship Plan to address their keep-up and catch-up costs while planning for the future despite previously struggling to develop a cohesive strategy to address their alarming growth of deferred maintenance, which totaled approximately $245 million. With a sound project selection process in place and an innovative, yet modest, student facilities fee, The University of Arkansas has prevented the accumulation of additional deferral, while also reducing the backlog by over $75 million.
This session features Mike Johnson, Associate Vice Chancellor for Facilities at The University of Arkansas, and Matt Bausher, Senior Director of Member Services at Sightlines.
The document contains several charts and graphs presenting real estate data for The Woodlands area from 2012-2014. It shows trends in total active listings, average months of inventory, total new contracts written, average days on market, and average list price versus sale price. Overall listings and contracts written were higher in 2012 than later years while average months of inventory and days on market decreased over time. Sale prices tended to be over 95% of original listing prices on average.
Learn how to save more money, an alternative to IRA, 401K, CD's, etc. A financial tool that gets the upside of the stock market that never goes backwards. Gains and Interest are Tax Free! Have access to your money at any time for any reason, without penalty, no extra charge for Terminal and Chronic Illness Riders, Long term care protection. Tax Free for any reason. Save for College, wedding, and retirement. Earn 300% more income than IRA, Roth, 401K, TSA, SEP, etc. Lower fees, Greater Safety use and Total Control of Your Money. Learn more about a Life Savings Account, today!
This document provides an overview of Prescient Limited, a South African investment management firm, and its subsidiaries, investment teams, funds, and performance. Some key points:
- Prescient Limited has various subsidiaries that provide financial services including investment management, life insurance, and securities.
- The firm has a global presence with offices in South Africa, Namibia, Ireland, and China.
- It offers a range of actively managed solution funds targeting different risk and return objectives, such as income, capital preservation, and long-term growth.
- Performance charts are shown for some of their flagship funds such as the Income Provider, Positive Return, and Africa funds, demonstrating strong returns above benchmarks.
Temasek Review 2014- Our journey has just begun (media conference presentation)Temasek
The 11th edition of the Temasek Review, “Our journey has just begun”, was launched on 8 July 2014 and marks the 40th year since the company was first founded in 1974.
Structure
- The Temasek Charter
- Ten-Year Performance Overview
- Portfolio Highlights
- From Our Chairman
- Investor
- Institution
- Steward
- Group Financial Summary
- Major Investments
- Contact Information
- Temasek Portfolio at Inception
Visit www.temasekreview.com.sg for the latest Temasek Review.
Follow @Temasek on Twitter at www.twitter.com/Temasek.
How do investors pick the winning asset class? What is the importance of asset allocation and how do you build an effective asset allocation strategy? Through this deck, find answers to the benefits of equity, debt and gold assets and how does one select mutual funds to fulfill long term goals.
www.Quantumamc.com
The document summarizes Callan's 2017 10-year capital market projections. Key points include:
- Broad U.S. equity is projected to return 6.85% annually with a standard deviation of 18.25%.
- U.S. fixed income is expected to return 3% annually with less risk (standard deviation of 3.2%) as yields rise gradually.
- Real estate is projected to return 5.75% annually with a standard deviation of 9.15%, reflecting declining cap rates.
Making the Case for Future Facilities Funding_CAPPA 2015Sightlines
This session explores how The University of Arkansas was able to create a 15-year Facility Renewal & Stewardship Plan to address their keep-up and catch-up costs while planning for the future despite previously struggling to develop a cohesive strategy to address their alarming growth of deferred maintenance, which totaled approximately $245 million. With a sound project selection process in place and an innovative, yet modest, student facilities fee, The University of Arkansas has prevented the accumulation of additional deferral, while also reducing the backlog by over $75 million.
This session features Mike Johnson, Associate Vice Chancellor for Facilities at The University of Arkansas, and Matt Bausher, Senior Director of Member Services at Sightlines.
Unleash the Power of Prediction with ROPA+Sightlines
With today's capital and operating budget pressures, effectively communicating past success is important, but to continue to thrive, you must be able to look into the future.
What if you had the tools to...
Forecast life cycles, capital needs, and facilities risks?
Create operational and investment goals and continually track performance?
Re-balance your facility strategy and make mid-course corrections to become a "Best in Class" performer?
To give you these tools, Sightlines proudly introduces the next evolution of our facilities benchmarking and analysis service: ROPA+
This document discusses strategies for wealth creation and preservation through financial planning and investment advice. It makes the following key points:
1. Saving regularly and financial planning are important for stable living standards and preserving wealth against risks. Professional advice can help enhance returns in both good and bad markets.
2. Equities have potential for high returns but are volatile, while fixed income carries less risk but also lower returns. A diversified portfolio is important.
3. Inflation erodes the real value of money over time, so investments need to beat inflation for true wealth preservation. Equities have historically outperformed inflation where other assets have not.
4. Seeking professional financial advice can help individuals understand investments,
The document summarizes strategies for de-risking retirement investments. It discusses the challenges of generating reliable retirement income given market volatility and changing needs pre- and post-retirement. The document outlines Grindrod Asset Management's approach of "income efficient portfolios" that aim to produce stable income growth through allocations to listed property, cash/bonds, and equities focusing on high dividend payers. Examples of hypothetical portfolio outcomes are shown demonstrating how reliable income growth can sustain retirement withdrawals over decades.
Change the Conversation to Address Deferred Maintenance - NACUBO 2015Sightlines
Sightlines latest conference presentation, Change the Conversation to Address Deferred Maintenance, offers four perspectives (the national view, a university system, a campus CFO, and campus facility operations) on how to employ data, analysis, and focused communications to strategically plan for success.
This presentation demonstrates how to:
- Use data to document and package deferred maintenance projects and set priorities to fund projects that support the institutional mission and strategic focus.
- Review actual facility metrics, data, and presentations used with leadership, boards, and external constituents to prioritize projects that remove deferred maintenance.
- Communicate the payoffs of deferred maintenance projects (reduced energy consumption, lowered operating costs, improved programs, etc.) versus the additional costs of waiting to fund projects.
Officially titled, "Financial Planning Strategies for Women & Families" - Barry Mendelson gave this presentation to the East Bay chapter of American Society of Women Accountants in February.
The document provides information about the Ashburton Select Retail Investor Hedge Fund of Funds. It introduces Elmien Wagenaar as the appointed investment manager from THINK.CAPITAL Investment Management, who has 16 years of experience analyzing and investing in hedge funds locally and globally. It also provides the investment manager's track record from 2002-2015 managing a R2 billion portfolio. Additionally, it discusses the benefits of hedge funds, including their risk-return characteristics and ability to provide differentiated outcomes compared to traditional investments. It positions the fund of funds as providing downside protection while participating in market upside.
The document provides information about the South Whidbey School District's proposed budget for the 2021-2022 school year. It discusses requirements for a balanced budget, budget development considerations like student enrollment projections and staffing needs, sources of funding including state apportionment based on enrollment, and projected enrollment figures. The budget hearing will allow public input on the budget and four-year plan before adoption by the school board.
Bateleur Capital is a South African hedge fund management company founded in 2004 that manages various funds using a consistent investment process. As of 2016, Bateleur had around R8.5 billion in assets under management across different strategies, with steady growth since inception. Bateleur employs a bottom-up stock picking approach supplemented by top-down macroeconomic analysis. The presentation outlines Bateleur's investment philosophy, process, performance history and current fund positioning.
This document summarizes a meeting between Meyer Coetzee, Head of Retail, and Henk Kotze, PM Income Provider, on November 9, 2018. The agenda included a business update, discussion of the Prescient Income Provider fund, and the Prescient Balanced Fund. Key points included Prescient scaling up operations by focusing on people, operations, and strategy. An overview of Prescient's ownership structure post-BEE deal and staff share scheme was provided. The Prescient investment team and their experience was outlined. The Prescient philosophy of valuation-driven, risk-focused investing to maximize upside and minimize downside was discussed. Performance of the Income Provider fund since 2006, beating inflation and various market indices, was
The free university executive summary slides v6.4Colin Regnier
The document proposes a free online university called The Free University (TFU) that would provide free college education to all Americans funded through online advertising. TFU would offer courses designed by top American professors available anytime online for free. It would become self-sustaining through ad revenue on its online platform. The implementation plan outlines developing an online portal and pilot course in Year 1, expanding course offerings and going nationwide in Year 2, and pursuing accreditation in Year 3. Up to $15 million in funding is requested over 5 years to cover expenses until ad revenue offsets costs.
This document provides an overview and agenda for T. Rowe Price's investor day presentation. It begins with introductions from William Stromberg, the President and CEO. The agenda then covers product overviews, multi-asset investment capabilities, individual and retirement plan services, and U.S. intermediaries. It highlights T. Rowe Price's strong historical performance and growth across key metrics. The presentation aims to execute on a strategic plan to remain a premier active asset manager and global partner for retirement investors.
This document provides details about the UTI Focussed Equity Fund – Series I, a close-ended equity scheme launched by UTI Mutual Fund. The primary objective of the fund is to generate long-term capital appreciation by predominantly investing in listed Indian equities. The fund will hold up to 30 stocks selected based on UTI's quality focused investment approach. The minimum investment amount is Rs. 5,000 and the fund tenure is 1100 days. The document also provides illustrative examples of some stocks that may be selected for the fund based on UTI's stock selection framework.
This document provides an overview and agenda for a presentation on successful planning strategies for life and investments. It discusses Barry Mendelson's background and experience in financial services. It also summarizes Just Plans Etc., the firm he founded, which provides financial planning and investment management. The presentation agenda covers investment planning, personal planning, and charitable giving strategies.
1) T. Rowe Price is currently trading below its estimated buy range based on historical valuation metrics and offers upside potential of 43.4% to a target price of $100.34.
2) Key strengths for T. Rowe include its strong brand, historical fund performance, and positioning for growth with the DOL fiduciary ruling.
3) Risks include competition from passive investments and disinterest among younger investors, but overall the analyst views T. Rowe as well positioned for long term growth.
1) T. Rowe Price is trading at $69.99 per share and is undervalued based on a target price of $100.34, representing a potential return of 43.4%.
2) Key investment convictions for the upside include an overblown debate around active vs. passive management, continued growth outpacing peers, and positioning to benefit from regulatory changes favoring no-load funds.
3) T. Rowe Price has a strong brand, historical outperformance, and various opportunities for growth through new products and international expansion, though faces threats from passive investments.
Exploring the State of Facilities - Your Chance to "Ask Sightlines"Sightlines
How does a campus turn back the clock on their facilities? How do we address growing backlog needs with limited or shrinking funds? What energy projects can reduce consumption and boost our bottom-line?
These are a few of the questions answered by Sightlines experts in this informative and engaging webinar as we offer an in-depth discussion of the benchmarks, trends, and best practices introduced in our 2014 report The State of Facilities in Higher Education.
Additionally, this interactive presentation:
- Explores the analysis that serves as the basis for our industry-leading database and the report it informs
- Shows data that goes beyond the broad trends
- Offers strategies for success and case studies showing innovative solutions to common facilities challenges
WINK Calgary presents "Learn to love your money - basics of investing"Patty Auger, CA, CFP
This document provides an overview of investment allocation and risk management strategies. It discusses asset allocation models for different investor lifecycles, including sample portfolios with varying risk profiles. Historical return and risk data is presented for the sample portfolios. The document also reviews relationship types with investment managers, such as advisory vs. fiduciary duty relationships. Timeless risk management strategies like sector and position limits are covered as well.
Inertia:Your Gateway to Financial Freedomerkhareanshul
This document discusses strategies for long-term wealth creation through equities investing. It argues that equities can generate above-inflation returns compared to other asset classes like gold, fixed income, and cash. The document recommends allocating capital to a diversified portfolio of 30 companies selected based on leadership in strong sectors, good profitability, healthy dividend payouts, and reasonable valuations. It introduces Inertia as a financial advisor that can help investors create such long-term equity portfolios and outlines their portfolio strategy, fees, and credentials.
AlphaClone offers an investment strategy called "active indexing" that aims to provide hedge fund-like returns without the high fees typically associated with hedge funds. Active indexing uses a proprietary scoring system to select top-performing hedge fund managers based on an analysis of their public stock holdings disclosures, and constructs index funds tracking only those top managers. Backtests show the active indexing strategy has outperformed the S&P 500 index over the long-term while charging lower fees than traditional hedge funds.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
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Unleash the Power of Prediction with ROPA+Sightlines
With today's capital and operating budget pressures, effectively communicating past success is important, but to continue to thrive, you must be able to look into the future.
What if you had the tools to...
Forecast life cycles, capital needs, and facilities risks?
Create operational and investment goals and continually track performance?
Re-balance your facility strategy and make mid-course corrections to become a "Best in Class" performer?
To give you these tools, Sightlines proudly introduces the next evolution of our facilities benchmarking and analysis service: ROPA+
This document discusses strategies for wealth creation and preservation through financial planning and investment advice. It makes the following key points:
1. Saving regularly and financial planning are important for stable living standards and preserving wealth against risks. Professional advice can help enhance returns in both good and bad markets.
2. Equities have potential for high returns but are volatile, while fixed income carries less risk but also lower returns. A diversified portfolio is important.
3. Inflation erodes the real value of money over time, so investments need to beat inflation for true wealth preservation. Equities have historically outperformed inflation where other assets have not.
4. Seeking professional financial advice can help individuals understand investments,
The document summarizes strategies for de-risking retirement investments. It discusses the challenges of generating reliable retirement income given market volatility and changing needs pre- and post-retirement. The document outlines Grindrod Asset Management's approach of "income efficient portfolios" that aim to produce stable income growth through allocations to listed property, cash/bonds, and equities focusing on high dividend payers. Examples of hypothetical portfolio outcomes are shown demonstrating how reliable income growth can sustain retirement withdrawals over decades.
Change the Conversation to Address Deferred Maintenance - NACUBO 2015Sightlines
Sightlines latest conference presentation, Change the Conversation to Address Deferred Maintenance, offers four perspectives (the national view, a university system, a campus CFO, and campus facility operations) on how to employ data, analysis, and focused communications to strategically plan for success.
This presentation demonstrates how to:
- Use data to document and package deferred maintenance projects and set priorities to fund projects that support the institutional mission and strategic focus.
- Review actual facility metrics, data, and presentations used with leadership, boards, and external constituents to prioritize projects that remove deferred maintenance.
- Communicate the payoffs of deferred maintenance projects (reduced energy consumption, lowered operating costs, improved programs, etc.) versus the additional costs of waiting to fund projects.
Officially titled, "Financial Planning Strategies for Women & Families" - Barry Mendelson gave this presentation to the East Bay chapter of American Society of Women Accountants in February.
The document provides information about the Ashburton Select Retail Investor Hedge Fund of Funds. It introduces Elmien Wagenaar as the appointed investment manager from THINK.CAPITAL Investment Management, who has 16 years of experience analyzing and investing in hedge funds locally and globally. It also provides the investment manager's track record from 2002-2015 managing a R2 billion portfolio. Additionally, it discusses the benefits of hedge funds, including their risk-return characteristics and ability to provide differentiated outcomes compared to traditional investments. It positions the fund of funds as providing downside protection while participating in market upside.
The document provides information about the South Whidbey School District's proposed budget for the 2021-2022 school year. It discusses requirements for a balanced budget, budget development considerations like student enrollment projections and staffing needs, sources of funding including state apportionment based on enrollment, and projected enrollment figures. The budget hearing will allow public input on the budget and four-year plan before adoption by the school board.
Bateleur Capital is a South African hedge fund management company founded in 2004 that manages various funds using a consistent investment process. As of 2016, Bateleur had around R8.5 billion in assets under management across different strategies, with steady growth since inception. Bateleur employs a bottom-up stock picking approach supplemented by top-down macroeconomic analysis. The presentation outlines Bateleur's investment philosophy, process, performance history and current fund positioning.
This document summarizes a meeting between Meyer Coetzee, Head of Retail, and Henk Kotze, PM Income Provider, on November 9, 2018. The agenda included a business update, discussion of the Prescient Income Provider fund, and the Prescient Balanced Fund. Key points included Prescient scaling up operations by focusing on people, operations, and strategy. An overview of Prescient's ownership structure post-BEE deal and staff share scheme was provided. The Prescient investment team and their experience was outlined. The Prescient philosophy of valuation-driven, risk-focused investing to maximize upside and minimize downside was discussed. Performance of the Income Provider fund since 2006, beating inflation and various market indices, was
The free university executive summary slides v6.4Colin Regnier
The document proposes a free online university called The Free University (TFU) that would provide free college education to all Americans funded through online advertising. TFU would offer courses designed by top American professors available anytime online for free. It would become self-sustaining through ad revenue on its online platform. The implementation plan outlines developing an online portal and pilot course in Year 1, expanding course offerings and going nationwide in Year 2, and pursuing accreditation in Year 3. Up to $15 million in funding is requested over 5 years to cover expenses until ad revenue offsets costs.
This document provides an overview and agenda for T. Rowe Price's investor day presentation. It begins with introductions from William Stromberg, the President and CEO. The agenda then covers product overviews, multi-asset investment capabilities, individual and retirement plan services, and U.S. intermediaries. It highlights T. Rowe Price's strong historical performance and growth across key metrics. The presentation aims to execute on a strategic plan to remain a premier active asset manager and global partner for retirement investors.
This document provides details about the UTI Focussed Equity Fund – Series I, a close-ended equity scheme launched by UTI Mutual Fund. The primary objective of the fund is to generate long-term capital appreciation by predominantly investing in listed Indian equities. The fund will hold up to 30 stocks selected based on UTI's quality focused investment approach. The minimum investment amount is Rs. 5,000 and the fund tenure is 1100 days. The document also provides illustrative examples of some stocks that may be selected for the fund based on UTI's stock selection framework.
This document provides an overview and agenda for a presentation on successful planning strategies for life and investments. It discusses Barry Mendelson's background and experience in financial services. It also summarizes Just Plans Etc., the firm he founded, which provides financial planning and investment management. The presentation agenda covers investment planning, personal planning, and charitable giving strategies.
1) T. Rowe Price is currently trading below its estimated buy range based on historical valuation metrics and offers upside potential of 43.4% to a target price of $100.34.
2) Key strengths for T. Rowe include its strong brand, historical fund performance, and positioning for growth with the DOL fiduciary ruling.
3) Risks include competition from passive investments and disinterest among younger investors, but overall the analyst views T. Rowe as well positioned for long term growth.
1) T. Rowe Price is trading at $69.99 per share and is undervalued based on a target price of $100.34, representing a potential return of 43.4%.
2) Key investment convictions for the upside include an overblown debate around active vs. passive management, continued growth outpacing peers, and positioning to benefit from regulatory changes favoring no-load funds.
3) T. Rowe Price has a strong brand, historical outperformance, and various opportunities for growth through new products and international expansion, though faces threats from passive investments.
Exploring the State of Facilities - Your Chance to "Ask Sightlines"Sightlines
How does a campus turn back the clock on their facilities? How do we address growing backlog needs with limited or shrinking funds? What energy projects can reduce consumption and boost our bottom-line?
These are a few of the questions answered by Sightlines experts in this informative and engaging webinar as we offer an in-depth discussion of the benchmarks, trends, and best practices introduced in our 2014 report The State of Facilities in Higher Education.
Additionally, this interactive presentation:
- Explores the analysis that serves as the basis for our industry-leading database and the report it informs
- Shows data that goes beyond the broad trends
- Offers strategies for success and case studies showing innovative solutions to common facilities challenges
WINK Calgary presents "Learn to love your money - basics of investing"Patty Auger, CA, CFP
This document provides an overview of investment allocation and risk management strategies. It discusses asset allocation models for different investor lifecycles, including sample portfolios with varying risk profiles. Historical return and risk data is presented for the sample portfolios. The document also reviews relationship types with investment managers, such as advisory vs. fiduciary duty relationships. Timeless risk management strategies like sector and position limits are covered as well.
Inertia:Your Gateway to Financial Freedomerkhareanshul
This document discusses strategies for long-term wealth creation through equities investing. It argues that equities can generate above-inflation returns compared to other asset classes like gold, fixed income, and cash. The document recommends allocating capital to a diversified portfolio of 30 companies selected based on leadership in strong sectors, good profitability, healthy dividend payouts, and reasonable valuations. It introduces Inertia as a financial advisor that can help investors create such long-term equity portfolios and outlines their portfolio strategy, fees, and credentials.
AlphaClone offers an investment strategy called "active indexing" that aims to provide hedge fund-like returns without the high fees typically associated with hedge funds. Active indexing uses a proprietary scoring system to select top-performing hedge fund managers based on an analysis of their public stock holdings disclosures, and constructs index funds tracking only those top managers. Backtests show the active indexing strategy has outperformed the S&P 500 index over the long-term while charging lower fees than traditional hedge funds.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
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For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
Using Online job postings and survey data to understand labour market trends
Cabot Wealth Management's 2014 Year in Review
1. WELCOME TO CABOT’S
25TH ANNUAL INVESTMENT & WEALTH MANAGEMENT CONFERENCE
Your interests and goals always come first.
2. Cabot’s Year in
Review
DENNIS WASSUNG, JR. , CFA®
Portfolio Manager
3. 2014 By Asset Class
2014 thru 9/23/14
16%
14%
12%
10%
8%
6%
4%
2%
0%
-2%
-4%
-6%
4. 2014 By Country: Top & Bottom 5
-40% -20% 0% 20% 40% 60% 80% 100% 120%
2014 thru 9/23/14
ARGENTINA
EGYPT
INDIA
THAILAND
TURKEY
UNITED STATES
GERMANY
SOUTH KOREA
JAPAN
HUNGARY
RUSSIA
11. Stocks vs. Bonds in 2014
2014 through 9/23/14
12%
10%
8%
6%
4%
2%
0%
-2%
-4%
-6%
-8%
Stocks Bonds
12. Equity Markets Still Have Long-Term Value:
10-Year Treasury Yield Is Higher, But Still Historically Low
2004 to Today
6%
5%
4%
3%
2%
1%
0%
S&P 500 Dividend Yield 10-Year Treasury Yield
13. Equity Market Valuation Not Stretched:
Stocks Are Not Expensive Historically, In Expansion Periods
14. Equity Market Valuation Not Stretched:
Stocks Are Not Expensive Historically, In Expansion Periods
15. Equity Markets Still Have Long-Term Value:
10-Year Rolling Returns Have Recovered…But Still Favor Stocks
25%
20%
15%
10%
5%
0%
-5%
-10%
-15%
Dec-10
Dec-15
Dec-20
Dec-25
Dec-30
Dec-35
Dec-40
Dec-45
Dec-50
Dec-55
Dec-60
Dec-65
Dec-70
Dec-75
Dec-80
Dec-85
Dec-90
Dec-95
Dec-00
Dec-05
Dec-10
Rolling 10-Year Annualized Total Return of the Dow Jones Industrial Average (1910 - Present)
16. One of the Classic
“Stock Market Rules”
The Stock Market climbs a “Wall of Worry”
…and it always has something to worry about!
17. State of Cabot
PRESENTED BY ROBERT LUTTS
PRESIDENT, CHIEF INVESTMENT OFFICER
18. State of Cabot
Cabot’s 31st Year – Great Opportunities Ahead
Cabot Technology Platform Expanding – Best Practices
Digital Phone System - Thinking Phones – Always Available
Software Integration with Schwab – Salesforce.com and Custodians
Hosted Networks – Cloud Computing
Hardware Upgrades – Security
Backup Generator Installed – All Tested
Green Energy Efficiency Efforts – Roof Solar Project (216 Essex, 30 Federal)
Staff Education – High Investment – Expanding
Conferences, Seminars, World Travel
Continue to Seek To Upgrade our Skills and Abilities
22. Core Belief:
Wealth Management - Process is Critical
“Investment management” is one of the (important)
components within “wealth management”
Wealth Management:
Investment management
Asset allocation (equities, fixed income, international securities,
alternative assets, etc.)
Investment choices within each asset class
Retirement planning
Tax planning
Estate planning
Risk management (planning for catastrophic risks including disability,
death, long-term care, personal liability, personal property)
23. State of Cabot
Cabot Investment Management
Equity Research – Team Effort
Cabot’s knowledge and Use of New ETFs Expanding/Equity Sectors
Fixed Income – Use of New Fixed-Income products expanding
Wealth Management Team – Best Practices
Seminars and further education
Advanced Skills– Taxes, Estate Planning and Insurance work
Staff
Conferences, Seminars, World Travel
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