The provincial government will need to introduce pension, compensation and benefits reforms in order to control the cost of education.
Pension plans should be rolled into defined contribution and pensions matching should be topped at 4%.
The government needs to eliminate the double dipping, i.e. teachers retired then substitute
The govt and school boards need to look at school closings including building new schools and/or renovating schools as part managing enrollment.
More funding for teacher assistance to help with FDK and/or special needs students.
The government needs to look at policies like carbon taxation, hydro rates, etc as part of reducing the operational costs to schools.
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
The provincial government will need to introduce pension, compensation and benefits reforms in order to control the cost of education.
Pension plans should be rolled into defined contribution and pensions matching should be topped at 4%.
The government needs to eliminate the double dipping, i.e. teachers retired then substitute
The govt and school boards need to look at school closings including building new schools and/or renovating schools as part managing enrollment.
More funding for teacher assistance to help with FDK and/or special needs students.
The government needs to look at policies like carbon taxation, hydro rates, etc as part of reducing the operational costs to schools.
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Education across Canada have seen improvement in graduation rates.
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Educaton Policies | Performance | Value for Money and Education Outcomes | On...paul young cpa, cga
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
80-88% of the total education costs go to instruction costs. Salary, Pension and benefit reforms need to happen to ensure more money is focused on the students and not the teacher.
The COVID19 crisis has led to many issues including a rise with both income inequality and poverty. Countries around the world need to work fixed their enconomic and fiscal policies.
This presentation will look at the impact of the middle class tax cut as well as other government policies on the middle class.
The focus will be on hydro rates, household spending, carbon taxation and income growth.
People should be judge on qualifications and experience, not gender
Surveys do not discuss experience and education. Many employers have a grid system which is based on merit, experience and education
Women sometimes make choices that put their family first over their careers
There are more women in workspace than 30 years ago
How to fix the Governance model for Government (Public Sector).pptxpaul young cpa, cga
Summary:
I have written many presentations and blogs over the years on transforming the public sector. The public sector needs to reform its model including stronger crisis and risk management planning and analysis, creating new a compliance group that ensures all oversight agencies are free from partisan policies, governments need to learn to live within its means, all program spending should undertake a program review, taxation focus should be on tax fairness, policies should address issues like wage reform or pension reform or other reforms.
- Education has more funding, but funding does not mean the students are ready for the real world
- Ontario teachers are some of highest paid in the world. Ontario government matches their pension 12% to 14% per year. Private sector only funds at 4%
- School Boards are faced with declining enrollment which means schools need to be closed and consolidation
- Neither the NDP nor Liberal platforms for education either deal with the cost issue or how grads are not prepared for today's world
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Education across Canada have seen improvement in graduation rates.
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
Educaton Policies | Performance | Value for Money and Education Outcomes | On...paul young cpa, cga
Education across Canada have seen improvement in graduation rates.
NDP and Liberals continue to throw money at symptoms which do not improve the effectiveness of delivery tax dollars to the student education.
Rural Ontario needs a new economic development strategy
Education is not being aligned in terms of the jobs today as well as the future
Too many students lack critical thinking, interpersonal skills, time management and judgement
Too many students have been treated as special when in the fact the real world does not treat anyone special
There are systemic issues with programs being offered at the secondary level. There needs to be more emphasis on financial planning, biology, IT, chemistry, writing and physics.
80-88% of the total education costs go to instruction costs. Salary, Pension and benefit reforms need to happen to ensure more money is focused on the students and not the teacher.
The COVID19 crisis has led to many issues including a rise with both income inequality and poverty. Countries around the world need to work fixed their enconomic and fiscal policies.
This presentation will look at the impact of the middle class tax cut as well as other government policies on the middle class.
The focus will be on hydro rates, household spending, carbon taxation and income growth.
People should be judge on qualifications and experience, not gender
Surveys do not discuss experience and education. Many employers have a grid system which is based on merit, experience and education
Women sometimes make choices that put their family first over their careers
There are more women in workspace than 30 years ago
How to fix the Governance model for Government (Public Sector).pptxpaul young cpa, cga
Summary:
I have written many presentations and blogs over the years on transforming the public sector. The public sector needs to reform its model including stronger crisis and risk management planning and analysis, creating new a compliance group that ensures all oversight agencies are free from partisan policies, governments need to learn to live within its means, all program spending should undertake a program review, taxation focus should be on tax fairness, policies should address issues like wage reform or pension reform or other reforms.
- Education has more funding, but funding does not mean the students are ready for the real world
- Ontario teachers are some of highest paid in the world. Ontario government matches their pension 12% to 14% per year. Private sector only funds at 4%
- School Boards are faced with declining enrollment which means schools need to be closed and consolidation
- Neither the NDP nor Liberal platforms for education either deal with the cost issue or how grads are not prepared for today's world
Blog – What is next for the Global Economy – August 2021
1. Global GDP - https://blogs.imf.org/2021/07/27/drawing-further-apart-widening-gaps-in-the-global-recovery/
2. Global Commodities - https://www.bnnbloomberg.ca/here-s-who-wins-and-who-loses-from-the-surge-in-commodity-prices-1.1634711
3. Oil - https://www.wsj.com/articles/chevron-posts-highest-profit-in-a-year-as-oil-demand-rebounds-11627640325
4. Rio Tinto - https://www.wsj.com/articles/rio-tinto-net-profit-jumps-on-boom-in-commodity-prices-11627459592
5. Nasdaq - https://www.marketwatch.com/story/nasdaq-15-000-is-near-do-i-hear-30-000-11627374665
6. Pacific Rim - https://www.washingtontimes.com/news/2021/jul/27/the-us-should-rejoin-the-trans-pacific-partnership/
7. Top AI Apps - https://www.globaltechoutlook.com/top-essential-ai-data-management-apps-for-you-to-avail-in-2021/
8. Technology outlook - https://www.simplilearn.com/top-technology-trends-and-jobs-article
9. Food and Crops Output - https://www.producer.com/markets/
10. Food and Climate - https://www.pbs.org/newshour/world/climate-change-and-conflict-are-fueling-poverty-and-food-prices-un-chief-says
11. Water - https://www.bbc.com/news/business-57847654
Wages and Job Vacancies (Job Quality) - Canada - July 2021paul young cpa, cga
Average weekly earnings decreased 1.0% to $1,125 from May to June, partly because the employment gains were concentrated in lower-paying sectors. The largest employment gains in June were in the two sectors with the lowest average weekly earnings: accommodation and food services ($457 per week) and retail trade ($643 per week).
While average weekly earnings were down in June compared with May, they were 7.6% higher than in February 2020. This increase reflects a number of factors, including changes in the composition of employment by type of employee (hourly or salaried) and changes in the overall employment distribution by sector.
Source - https://www150.statcan.gc.ca/n1/daily-quotidien/210826/dq210826a-eng.htm
Employment and Labor Market - Canada - September 2022.pptxpaul young cpa, cga
Summary:
After declining for two consecutive months, the number of employees in the public sector increased by 35,000 (+0.8%) in September. Most of the gain was attributable to the educational services industry, which accounts for close to one-third (30.4%) of employees in the public sector (not seasonally adjusted).
Gains in educational services and health care and social assistance were offset by losses in manufacturing; information, culture and recreation; transportation and warehousing; and public administration.
Source: https://www150.statcan.gc.ca/n1/daily-quotidien/221007/dq221007a-eng.htm
Wages and Job Vacancies (Job Quality) - Canada - May 2022 and April 2022.pptxpaul young cpa, cga
Canada is struggling with over 1M unfilled jobs. Nearly 48% of those jobs pay less than the average wages
More and more levels of government are moving towards digital adoption as part of streamlining the delivery of programs and services.
Canada has over 2M backlog with immigration
Canada needs to focus more on policies that will better support expansion of exports and the building of a resilient supply chain.
Education| Transforming of Education| Canada and around the Worldpaul young cpa, cga
Education is a key area for many countries as part of staying competitive in terms of FDI, GDP growth, job quality, and skills trades.
It is important for all stakeholders of education to work together to reform education.
Primary and secondary education is foundation to support students as part of their career journey. The education system needs to be transform to ensure students have the skills of today and tomorrow.
2019 Election| Post-Secondary Education| Canada | June 2019paul young cpa, cga
Too many governments throw money at post-secondary education with truly using value for money
Canada continues to be less competitive due to lack integrated strategy when it comes education programs that will meet the jobs of today and tomorrow.
Education needs to review its delivery model including its’ cost structure.
Revised - Cost of Living (Purchase Price Index) - Canada - April 2022.pptxpaul young cpa, cga
Summary:
Canada’s annual inflation rate accelerated to 6.8 per cent in April, the highest since January 1991, on food and shelter prices, Statistics Canada said on Wednesday.
Source - https://www.bnnbloomberg.ca/the-daily-chase-inflation-day-in-canada-full-blown-war-on-new-housing-1.1767546 and https://financialpost.com/news/economy/canadian-inflation-rate-rises-to-6-8-beating-expectations
Canada continues to face hurdles when it comes to addressing issues with productivity.
1. Canada productivity – https://cabe.ca/webinar/rhetoric-vs-results-shaping-policy-to-benefit-canadas-middle-class/
2. Middle class - https://cabe.ca/webinar/rhetoric-vs-results-shaping-policy-to-benefit-canadas-middle-class/
3. Supply chain - https://fortune.com/2021/12/01/port-of-vancouver-flooding-supply-chain-disruption-logistics/
4. Mining - https://www.mining.com/canadas-mining-sector-top-target-market-for-fdi-deals-from-asia-pacific-region/
5. Top manufacturers - https://clutch.co/ca/logistics/manufacturing-companies
6. Automation - https://www.prnewswire.com/news-releases/robot-race-the-worlds-top-10-automated-countries--international-federation-of-robotics-reports-301216237.html
7. Agriculture - https://www.realagriculture.com/2021/11/canadian-government-still-undecided-on-u-s-invitation-to-join-coalition-focused-on-agricultural-productivity/
8. Canada is rank 13th on global resiliency for 2021 - https://newsroom.fmglobal.com/releases/denmark-bumps-norway-from-top-spot-in-the-2021-fm-global-resilience-index as compare to compared to 8th in 2015 - https://newsroom.fmglobal.com/releases/denmark-bumps-norway-from-top-spot-in-the-2021-fm-global-resilience-index
9. Australia continues to outpace Canada in terms of developing its natural resources in a sustainable way - https://www.fraserinstitute.org/studies/annual-survey-of-mining-companies-2020 or https://www.fraserinstitute.org/studies/annual-survey-of-mining-companies-2020
10. CAN’s natural resources wealth decline in 2020.The effective tax rate was unchanged from 2018 to 2019 for high-income earners. Dividend income led to rising in total income. https://www.slideshare.net/paulyoungcga/wealth-and-taxation-fairness-november-2021
Similar to Canada and Youth Employment and Skills Development (20)
Global Housing Market Analysis and Commentary- September 2023.pptxpaul young cpa, cga
Summary:
Homebuilders are walking a fine line when it comes to new projects as high mortgage rates curb demand.
New residential construction, including single-family homes and multifamily, dropped 11.3% month over month in August to 1.283 million units on a seasonally adjusted basis, according to Census Bureau data released Tuesday. That's down 14.8% compared with a year ago and well below the 1.44 million units economists surveyed by Bloomberg projected.
But authorized residential permits — an indicator of potential future activity — rose 6.9% to 1.543 million permits in August from July. That was still down 2.7% from last August. Single-family permits, though, were up 2% from July to 949,000. Multifamily permits came in at 535,000.
The data reflects two opposing forces builders are trying to balance: the ongoing need for new construction to fill in limited inventory and elevated mortgage rates that are hurting their biggest customer right now, the first-time homebuyer.
"High mortgage rates are clearly taking a toll on builder confidence and consumer demand, as a growing number of buyers are electing to defer a home purchase until long-term rates move lower," Robert Dietz, chief economist of the National Association of Home Builders, said Monday in a press release after builder confidence dropped for the second straight month.
Source: https://ca.finance.yahoo.com/news/homebuilders-face-a-tough-balancing-act-on-new-construction-amid-high-mortgage-rates-130744368.html
Blog – What is next for the Mining Sector – September 2023
The mining sector provides critical material that support solar, wind, and lithium-ion batteries as part of the green transition. https://www.iea.org/news/critical-minerals-market-sees-unprecedented-growth-as-clean-energy-demand-drives-strong-increase-in-investment
The mining sector products play a key role with the global GDP - https://www.yicaiglobal.com/news/global-mining-industry-value-was-69-of-world-gdp-last-year-china-says
Mining practices need to be sustainable including following all ESG policies - https://www.linkedin.com/advice/1/how-can-you-monitor-sustainable-mining-practices
Other links and sources –
Lithium Supply and Price - https://zbr.com.mx/en/sin-categoria-es/lithium-prices-fall-44-in-china-due-to-lack-of-demand/138168/
Cobalt - https://www.linkedin.com/posts/mahmut-karada%C5%9F-a2b7a5151_china-exportrestrictions-gallium-activity-7082603182589157376-Zrty/?trk=public_profile_like_view
Nickel https://www.eureporter.co/business/2023/09/15/stanislav-kondrashov-from-telf-ag-nickel-prices-outlook-remains-positive/
Iron-ore - https://www.brecorder.com/news/40263584/sgx-iron-ore-set-for-best-week-in-3-months
TD Bank / Metals - https://www.tdsecurities.com/ca/en/setting-the-stage-for-gold-outlook
Biodiversity / Mining - https://worldcrunch.com/green/lithium-green-energy-argentina-indigenous
ESG - https://iriscarbon.com/the-added-value-of-integrated-esg-reporting-a-threefold-framework/
Blog – Manufacturing Shipments and Orders – The United States – August 2023
Summary:
New orders for manufacturing technology in the United States totaled $353.9 million in July 2023, as per the latest report by AMT – The Association For Manufacturing Technology. This figure marked a 12.4% decline from June 2023 but remained only 10.5% lower than July 2022. Year-to-date orders amounted to $2.83 billion, reflecting a 12.7% decrease compared to the same period the previous year.
Douglas K. Woods, President of AMT, noted that July is typically a slower month for manufacturing technology orders, so a slight drop was expected. However, he pointed out a notable trend: over the last two months, the year-to-date order gap has narrowed during historically slow periods. While job shops have seen decreased orders, other industries that benefited from reshoring or government investments have helped fill the gap.
Among specific sectors, job shops, the largest customer segment, placed their lowest total monthly orders since August 2020. In contrast, metal valve manufacturers recorded their third-highest monthly order value on record, last seen in September 2018, making up nearly 5% of the total manufacturing technology order value for July 2023. Manufacturers of motor vehicle transmissions continued to order machinery at an elevated pace. However, the aerospace industry continued to order below its early 2022 peaks, with hopes that recent projects like the federal government's $1.5 billion investment in communications satellites might reverse this trend.
Source: https://www.sme.org/technologies/articles/2023/september/u.s.-manufacturing-technology-orders-dip-in-july-but-show-resilience-amid-economic-uncertainty
Stock Market Analysis and Commentary for WE September 15 2023.pptxpaul young cpa, cga
Blog – Analysis and Commentary – Stock Market – WE September 15 2023
Summary:
Stocks fell Friday as investors wrap up a volatile week ahead of the Federal Reserve's policy meeting.
The Dow Jones Industrials tumbled 288.87 points to close out Friday and the week at 34,618.24. At its lows, it completely wiped out Thursday's 332-point rally.
The S&P 500 index sank 54.78 points, or 1.2%, to 4,450.32.
The NASDAQ index plunged 217.72 points, or 1.6%, to 13,708.33.
The Dow held onto a winning week. The S&P 500 and NASDAQ both closed out the week with losses.
Information technology was the worst-performing sector in the S&P 500, down nearly 2%. Adobe shares fell more than 4% even after the software firm posted better-than-expected quarterly results. Shares of Arm Holdings were lower one day after its successful public debut.
Auto stocks General Motors and Stellantis N.V. were higher Friday, while Ford Motor was about flat. Thousands of members of the United Auto Workers went on strike after failing to reach a deal with the automakers Thursday night.
Elsewhere, Lennar shares slid 3%. The home construction firm posted third-quarter results that beat on the top and bottom lines.
On the economic front, the University of Michigan's consumer sentiment survey showed one-year inflation expectations dropped to 3.1% in
September, tied for the lowest since January 2021. Also, the five-year outlook fell to 2.7%, matching its lowest since December 2020.
Electricity Analysis - Canada and the OECD - June 2023.pptxpaul young cpa, cga
Summary:
Over three-quarters of the world’s total coal-generated electricity is consumed in just three countries. China is the top user of coal, making up 53.3% of global coal demand, followed by India at 13.6%, and the U.S. at 8.9%.
Burning coal—for electricity, as well as metallurgy and cement production—is the world’s single largest source of CO2 emissions. Nevertheless, its use in electricity generation has actually grown 91.2% since 1997, the year when the first global climate agreement was signed in Kyoto, Japan.
However, even as non-renewables enjoy their time in the sun, their days could be numbered.
In 2022, renewables, such as wind, solar, and geothermal, represented 14.4% of total electricity generation with an extraordinary annual growth rate of 14.7%, driven by big gains in solar and wind. Non-renewables, by contrast, only managed an anemic 0.4%.
The authors of the Statistical Review do not include hydroelectric in their renewable calculations, even though many others, including the International Energy Agency, consider it a “well-established renewable power technology.”
With hydroelectric moved into the renewable column, together they accounted for over 29.3% of all electricity generated in 2022, with an annual growth rate of 7.4%.
Source - https://energynow.ca/2023/09/infographic-what-electricity-sources-power-the-world-see-them-here-visual-capitalist/
Stock Market Analysis and Commentary for WE September 9 2023.pptxpaul young cpa, cga
What did the markets tell us this week?
1. Housing supply and costs continue to plague countries around the world.
2. Gasoline prices are on the rise that puts pressure on central banks ability to hit their core inflation targets.
3. ESG adoption by both the private and public sector is leading to both funding concerns and the overall cost of implementing ESG policies.
4. Adopting technology as part of increasing food production is facing both capital and operational funding concerns.
5. Strike at LNG facility in Australia is leading to concerns around a supply chain disruption of natural gas for EMEA and Asia.
6. The threat of China dumping batteries into markets - https://www.ft.com/content/b6038e51-7b5b-4f97-a5da-9202e71562fc
7. Adoption of generative AI has been facing many challenges related to security, privacy, and ethical issues.
8. Lack of biodiversity planning as part of the overall climate mitigation including sustainable mining, forestry, oil, gas, agriculture, and housing
9. Geopolitical issues continue to impact supply chain.
10. The concerns of recession continue to plague both the private and public sector.
11. Productivity issues continue to plague governments around the world.
Global (Mining Oil and Gas Forestry and Agriculture) Analysis and Commentary ...paul young cpa, cga
The mining, oil, gas, agriculture, forestry, and mining continue to face environmental, social, and governance policy review including reporting of key metrics as part of ESG reporting cycle.
There is more focus on profitability and investment returns as part of the integrated planning and reporting cycle.
Summary:
The global economy faces what at least one forecaster is calling a mild trade recession as shipments from China slump and German factories downshift.
China’s export declines extended into August, though there were signs that the worst of a world trade slowdown may be over for the leading exporter.
Overseas shipments from China fell 8.8% in dollar terms from a year earlier while imports contracted 7.3%, both better than economists’ estimates and significantly less severe than July’s downturn.
Other data have suggested trade may be stabilizing after weakening for most of this year. Exports from South Korea also declined at a more moderate pace in August than the previous month.
Source: https://www.bloomberg.com/news/newsletters/2023-09-07/supply-chain-latest-world-trade-faces-a-shallow-recession?srnd=economics-v2
Additional sources and links:
Lithium - https://source.benchmarkminerals.com/article/falling-lithium-prices-challenge-potential-cost-advantages-of-sodium-batteries
Oil Production - https://www.cnn.com/2023/09/06/business/oil-price-goldman-sachs/index.html
Natural gas - https://www.fxstreet.com/news/natural-gas-holds-up-as-markets-in-limbo-over-strikes-202309070956
Lumber - https://www.fastmarkets.com/insights/sawmill-capacity-closures-reshape-us-lumber-supply
Critical metals - https://www.wasterecyclingmag.ca/feature/how-recycling-could-solve-the-shortage-of-minerals-essential-to-clean-energy/
Agriculture - https://www.morningagclips.com/economists-forecast-positive-end-of-year-crop-outlook-despite-warmer-midwestern-climate/
ESG - https://www.skadden.com/insights/publications/2023/09/the-informed-board/the-eus-new-esg-disclosure-rules
Ports - https://www.marketscreener.com/quote/stock/HAPAG-LLOYD-AG-24857717/news/Hapag-Lloyd-chief-warns-of-rougher-seas-ahead-for-container-shipping-44789017/
Top destination for reshoring - https://www.thenationalnews.com/business/economy/2023/08/29/uae-in-top-10-most-powerful-passports-for-investment-opportunity/
Global Trade - https://phys.org/news/2023-09-opinion-broke-global-climate-finish.html
What is next for the Forestry Sector and Lumber Production - September 2023.pptxpaul young cpa, cga
Lumber production in Canada continues to face many hurdles
Canada forest management practices are some of the bests in the world
Canada planted over 440M in seedlings back in 2018. It is now 2022 which means close 2M seedlings have been planted.
All levels need to put more focus on urban and rural planning solutions
More work including spending on wildfire and forest fire mitigation
Canada and USA need to find a path forward to resolve the softwood lumber dispute
There needs to a better balanced between climate change policies and growing the economy in a sustainable way
3D printing for housing needs to become mainstream
More protection needs to happen with key ecosystems like wetlands, forest, and peatlands.
There is a risk of debt default if interest rates are hike over the next few months
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.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@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.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
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
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
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
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 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
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.
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
2. Paul Young - Bio
• CPA, CGA
• Academia (PF1, FA4 and MS2)
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Emerging Technology
• SME – Financial Solutions
• SME – Business Process Change
• SME – Supply Chain Management
Contact information:
Paul_Young_CGA@Hotmail.com
3. Agenda
Youth Unemployment Rate
Job Recovery / July 2020
Youth Employment – OECD
Job Recovery / Canada
Education / Grads
Student Loans
Jobs and Vacancies
Government F/S – Social Development
Audits / Social and Youth Programs
WE Charity
What’s next?
6. Affordability
• Inflation is slowly creeping out due to rise of commodity prices. The Liberals policies have failed to
make things more affordable for Canadians - https://www.slideshare.net/paulyoungcga/affordability-
cost-of-living-canada
8. Job Recovery /
Canada
Path Forward
More emphasis required on reshaping supply chain management
- https://www.slideshare.net/paulyoungcga/how-best-to-reshore-
supply-chains
Education needs to be better aligned with the jobs of the today
and tomorrow -
https://www.slideshare.net/paulyoungcga/human-capital-
management-skills-and-education
Automation will grow size and importance -
https://www.globenewswire.com/news-
release/2020/07/08/2059408/0/en/Industrial-Automation-Market-
Size-to-Hit-USD-296-70-Billion-till-2026-Increasing-Adoption-of-
Advanced-Technology-to-Bolster-Growth-Fortune-Business-
Insights.html or
https://www.businesswire.com/news/home/20200612005132/en/
Global-Robotic-Process-Automation-Market-2019-2025
Government policies need to be re-vamp to better support
startups - https://www.slideshare.net/paulyoungcga/canada-
whats-next-for-small-business
Hoteling / Businesses will be on the rise along with virtual
meetings -
https://www.businesswire.com/news/home/20200626005010/en/C
OVID-19-Impact-Recovery-Analysis--Global-Augmented-Reality
10. Employment and Social
Development
Source -
https://www.canada.ca/en/e
mployment-social-
development/corporate/rep
orts/departmental-
results/2016/financial-
statements.html
11. Post-Secondary Education
Colleges and Universities are still charging full tuition - https://globalnews.ca/news/7298255/coronavirus-
ontario-post-secondary-tuition-fees/
Entry-level market for college grads has been hammered due to COVID19
https://www.cbc.ca/news/business/covid-19-jobs-1.5680550
Green Economy - https://financialpost.com/opinion/ross-mckitrick-ditch-the-fashionable-green recovery-plans
@cafreeland subsidizing money-losing businesses is not the way to grow an economy. The focus should be on
getting goods to market, tax and regulations reform, infrastructure, and delivery social program with value for
money!
GDP - https://www.slideshare.net/paulyoungcga/gdp-canada-real-truth-august-2020
Deficit - https://www.slideshare.net/paulyoungcga/fiscal-management-and-performance-audit-canada
12. Auditor –
General
Education / Youth -
https://www.cbc.ca/news/politics/audit-canada-
student-loans-1.5432110
Unpaid student loans -
https://www.ctvnews.ca/politics/auditor-finds-2-
4b-in-unpaid-student-loans-says-feds-must-step-
up-recovery-efforts-1.5015665
Audit of Financial Assistance / Students -
https://www.oag-
bvg.gc.ca/internet/English/parl_oag_202007_02_e
_43573.html
13. Student Loans
Source – Stats Canada
• ½ of students had debt prior to COVID19 - https://www150.statcan.gc.ca/n1/daily-
quotidien/200825/dq200825b-eng.htm
• Debt issues by students impact their cash flow which can impact consumer spending -
https://www.slideshare.net/paulyoungcga/retail-sales-canada-june-2020
14. WE Charity
Government jobs fund - $900 M
WE charity was to administer the program of $900 at a cost of
$19.5M to administer the program -
https://www.huffingtonpost.ca/entry/we-charity-liberal-
government-contracts_ca_5efe409ec5b6acab284d55f6
There would be no oversight into the program as this
would be 3rd party entity -
https://www.slideshare.net/paulyoungcga/the-role-of-
operational-and-performancebased-auditing-on-
government-and-the-private-sector
There are always programs administer by the government
– Canada Summer Job Program -
https://pm.gc.ca/en/news/news-
releases/2020/04/08/changes-canada-summer-jobs-
program-help-businesses-and-young
WE Charity provided annual report audits, but no where do
they discuss performance audits -
https://www.cbc.ca/news/politics/pandemic-student-we-
charity-trudeau-1.5633674 or
https://www.wecharity.org/about-we-charity/financials-
and-governance/annual-reports/
15. What’s next
The federal government will need to phased out CERB as part of
support economic growth -
https://www.slideshare.net/paulyoungcga/policy-analysis-guarantee-
income
The focus should on policies that support good quality jobs -
https://www.slideshare.net/paulyoungcga/what-is-next-for-the-
global-economy-august-2020
Education and training need to be better align with jobs of today and
tomorrow - https://www.slideshare.net/paulyoungcga/labor-market-
canada-june-2020
All government programs related to youth need to be review for their
effectiveness - https://www.slideshare.net/paulyoungcga/the-role-of-
operational-and-performancebased-auditing-on-government-and-
the-private-sector
All levels of government need to work with the private sector to
support GDP growth -
https://www.slideshare.net/paulyoungcga/transforming-the-
economy-postcovid19-canada-and-the-world
Technology will play have enormous role with Economic Growth -
https://www.slideshare.net/paulyoungcga/technology-what-needs-
to-happen-for-canada-and-the-world