Consumer Debt
•Download as PPT, PDF•
1 like•306 views
K
kktv1) The document discusses rising levels of consumer debt in developed countries and the potential risks of a debt-fueled economic crisis. 2) It analyzes how financial deregulation and low interest rates led to more accessible credit that fueled growth through increased consumer spending. 3) However, this has also created fragile economies and left other sectors weak, raising concerns about a possible debt overload or recession if interest rates rise or housing prices fall sharply.
Report
Share
Report
Share
![Where are we? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
Recommended
All Fall Down
The document summarizes the state of the European economy, which is contracting broadly due to the financial crisis. GDP dropped and economic sentiment slumped to a 15-year low as purchasing managers' index dived, indicating the economy is shrinking. Credit has dried up, cramping consumer spending, business investment, and exports. Banks are being more selective about loans as they scale back balances sheets. A small positive is the recent fall of the euro may help euro-zone firms that had gained strength and market share during preceding years of a strong euro.
Karolina Ekholm, Deputy Governor of the Riksbank: "A financial market that fo...
A preesentation held by Ms Karoliina Ekholm, deputy governor of the Swedish Riksbank, at the high level seminar "Towards a sustainable financial system", hosted by the Stockholm based Think Tank Global Challenge in cooperation with London School of Economics and The Swedish House of Financie on the 12th of September
Agcapita - February 27 2012 - Charts that Count
The document discusses three main points:
1) Government liabilities in developed nations range from $150-250 trillion, far exceeding their ability to pay given declining taxpayer bases and rising claimants. This suggests governments will default through inflation or debt repudiation.
2) Central banks are engaging in currency debasement through balance sheet expansion, amounting to the first global, coordinated devaluation in history. Hard assets are preferable to sovereign debt in this environment.
3) Central banks have destroyed 95-97% of the purchasing power of major currencies like the US and Canadian dollars since their inceptions. Low rates have inflated asset prices divorced from cash flows, contrary to central banks' mandates for price stability
European economic crisis
The document summarizes the euro zone economic crisis. It discusses the causes of the crisis, including the housing market boom and bust and government/central bank policies. It then outlines the impacts, such as increased unemployment, reduced trade balances, and falling tax revenues. Solutions proposed include restoring economic growth and reducing unemployment, as well as addressing long-term deficits and debt. The SWOT analysis identifies strengths like economic governance commitments and weaknesses like lack of financial aid benefits. Opportunities for stability and threats like decreasing population or revolution are also noted.
Recession and deflation
This document discusses deflation, recession, and the relationship between the two economic concepts. It notes that deflation is a decrease in the general price level, while a recession is a period of economic contraction defined by falling GDP, income, profits and rising unemployment. A deflationary cycle can lead to recession as consumers and businesses reduce spending and hiring in response to lower prices. Recession in turn exacerbates deflation as spending declines. The document explores debates around whether deflation is good or bad for an economy, as well as methods for preventing recession, including fiscal and monetary policy interventions.
Consequences of Financial Crises
These are the slides from a revision webinar for A Level economics that looked at some of the major consequences of financial crises.
Understanding The Financial Crisis - Andrew Baker
The document discusses different perspectives on the global financial crisis. It first asks where the money went, noting trillions of dollars disappeared from the global financial system. Low interest rates fueled a credit and housing boom until rates rose in 2004, causing defaults. This led to a downward spiral. It then defines a crisis as a critical turning point that leads to change and matters which explanation becomes dominant. Four perspectives are outlined: 1) market fundamentalism blaming government intervention, 2) social democratic regulation arguing neoliberalism went too far, 3) corruption stories of bad actors, and 4) structuralism seeing contradictions in global capitalism as the root cause.
2008 05 white presentation at 39th konstanz seminar konstanz 7 may 2008 [mode...
1) The search for efficiency in real economies, financial markets, and monetary policy led to greater productivity but also rising imbalances as efficiencies encouraged overreach.
2) While inflation was reduced during the "Great Moderation", credit growth and asset prices like housing rose rapidly, creating imbalances between sectors.
3) The current financial turmoil has deep roots in these imbalances and has serious implications for the financial system and broader economy.
Recommended
All Fall Down
The document summarizes the state of the European economy, which is contracting broadly due to the financial crisis. GDP dropped and economic sentiment slumped to a 15-year low as purchasing managers' index dived, indicating the economy is shrinking. Credit has dried up, cramping consumer spending, business investment, and exports. Banks are being more selective about loans as they scale back balances sheets. A small positive is the recent fall of the euro may help euro-zone firms that had gained strength and market share during preceding years of a strong euro.
Karolina Ekholm, Deputy Governor of the Riksbank: "A financial market that fo...
A preesentation held by Ms Karoliina Ekholm, deputy governor of the Swedish Riksbank, at the high level seminar "Towards a sustainable financial system", hosted by the Stockholm based Think Tank Global Challenge in cooperation with London School of Economics and The Swedish House of Financie on the 12th of September
Agcapita - February 27 2012 - Charts that Count
The document discusses three main points:
1) Government liabilities in developed nations range from $150-250 trillion, far exceeding their ability to pay given declining taxpayer bases and rising claimants. This suggests governments will default through inflation or debt repudiation.
2) Central banks are engaging in currency debasement through balance sheet expansion, amounting to the first global, coordinated devaluation in history. Hard assets are preferable to sovereign debt in this environment.
3) Central banks have destroyed 95-97% of the purchasing power of major currencies like the US and Canadian dollars since their inceptions. Low rates have inflated asset prices divorced from cash flows, contrary to central banks' mandates for price stability
European economic crisis
The document summarizes the euro zone economic crisis. It discusses the causes of the crisis, including the housing market boom and bust and government/central bank policies. It then outlines the impacts, such as increased unemployment, reduced trade balances, and falling tax revenues. Solutions proposed include restoring economic growth and reducing unemployment, as well as addressing long-term deficits and debt. The SWOT analysis identifies strengths like economic governance commitments and weaknesses like lack of financial aid benefits. Opportunities for stability and threats like decreasing population or revolution are also noted.
Recession and deflation
This document discusses deflation, recession, and the relationship between the two economic concepts. It notes that deflation is a decrease in the general price level, while a recession is a period of economic contraction defined by falling GDP, income, profits and rising unemployment. A deflationary cycle can lead to recession as consumers and businesses reduce spending and hiring in response to lower prices. Recession in turn exacerbates deflation as spending declines. The document explores debates around whether deflation is good or bad for an economy, as well as methods for preventing recession, including fiscal and monetary policy interventions.
Consequences of Financial Crises
These are the slides from a revision webinar for A Level economics that looked at some of the major consequences of financial crises.
Understanding The Financial Crisis - Andrew Baker
The document discusses different perspectives on the global financial crisis. It first asks where the money went, noting trillions of dollars disappeared from the global financial system. Low interest rates fueled a credit and housing boom until rates rose in 2004, causing defaults. This led to a downward spiral. It then defines a crisis as a critical turning point that leads to change and matters which explanation becomes dominant. Four perspectives are outlined: 1) market fundamentalism blaming government intervention, 2) social democratic regulation arguing neoliberalism went too far, 3) corruption stories of bad actors, and 4) structuralism seeing contradictions in global capitalism as the root cause.
2008 05 white presentation at 39th konstanz seminar konstanz 7 may 2008 [mode...
1) The search for efficiency in real economies, financial markets, and monetary policy led to greater productivity but also rising imbalances as efficiencies encouraged overreach.
2) While inflation was reduced during the "Great Moderation", credit growth and asset prices like housing rose rapidly, creating imbalances between sectors.
3) The current financial turmoil has deep roots in these imbalances and has serious implications for the financial system and broader economy.
Collapse and stabilisation instead of degrowth?
The document discusses the global debt problem and its implications for economic growth and degrowth strategies. It argues that massive debt write-downs are inevitable due to an impending economic collapse brought on by unsustainable debt levels. This collapse will result in the degrowth wanted by proponents of degrowth, but risks restoring pro-growth systems afterwards. Short-term solutions like debt forgiveness or creating non-debt money are proposed to avoid economic and social breakdown in the interim. Long-term, a dual currency system is suggested to separate money for spending and saving.
Exporting Your Way Out Of Trouble Under A Currency Peg
1) The document argues that it is unclear if Baltic countries like Estonia, Latvia, and Lithuania will be able to export their way out of economic trouble, as debt overhangs and declining populations may constrain growth.
2) Latvia in particular has seen slowing GDP growth as consumer demand and investment have failed to recover despite increased exports. Heavily indebted households and firms now face a credit crunch.
3) Population aging and decline will be a major problem for economic growth in Eastern Europe, as fewer working age people will have to support more retirees. This threatens long-term trend growth and debt sustainability. Structural reforms are needed to address these challenges.
US Crisis And The Dollar
The document summarizes the US financial crisis and its impact on the US dollar and global economy. It discusses how loose lending standards, mortgage-backed securities, and credit default swaps led to the crisis. Central banks have responded by printing vast sums of money to inject liquidity. However, coordinated global policy action is also needed to rebalance global imbalances between surplus and deficit countries. Going forward, the world faces challenges around debt contraction and whether $8 trillion is sufficient given potential solvency issues rather than just liquidity problems.
Financial crisis
This presentation had been presented by Redouane at Universidad Internacional Menendez Pelayo, it is about economic crisis, it includes the main reason of the recent crisis
Presentation Global financial crisis
The document discusses the effects of the subprime crisis and Eurozone crisis on the world economy. It provides background on subprime loans and how loose lending standards contributed to the subprime crisis. The crisis spread through losses by financial institutions and investors, decreasing confidence and impacting markets. The Eurozone crisis began with Greece's debt problems and spread to other European nations with high debt levels. Causes included slow growth, shrinking credit, increased government spending, and austerity exacerbating issues. Both crises led to impacts like rising unemployment, falling business activity, and economic impacts.
Financial Crises - the core
The document discusses several financial crises including the 1980s debt crisis, the 1997-98 Asian crisis, and the current subprime crisis. It analyzes the causes and impacts of these crises from an international political economy perspective. The document also examines historical patterns of economic regimes emerging after financial crises and questions whether the current crisis may lead to a new economic regime.
Economist Intelligence Unit Global Outlook nov 2 2010_Boston
On November 2, 2010, EIU Senior Economist Leila Butt, presented the Economist Intelligence Unit Global Outlook in Boston. Key points in this presentation include:
- Most economies are growing again
- Emerging markets are booming
- Unemployment remains very high
- Consumers are rebuilding balance sheets
- Countries are heavily indebted
- Deflation is a risk in rich countries
- Asset bubbles are a risk in emerging markets
Recessions (презентация миррлиса)
1) Recessions are caused by a decline in overall demand for goods and services, both consumption and investment. This can be triggered by various events like the end of wars, rising commodity prices, or increased interest rates.
2) Governments can help cure recessions through stimulus packages and automatic increases in benefits to boost demand. However, governments often underestimate the decline in demand and are slow to respond.
3) While recessions cannot be fully prevented due to uncertain economic conditions, governments should aim to reduce the impact of large shocks through financial regulation to limit high leverage and risky lending practices.
A970079 Module 2
The document summarizes the causes and transmission of the global financial crisis. It discusses the pre-crisis situation of debt-driven growth, global imbalances, and weak financial regulation. The immediate trigger was the bursting of the US housing bubble in 2006. This led to a collapse in mortgage-backed securities and stock markets. The crisis then spread through remittances, capital flows, and trade to developing countries. Vulnerability to external shocks determined the degree of impact on different countries.
Newsletter August 2015
The document discusses Henry's Bucket, a common childhood song about a bucket that won't hold water due to a hole. It notes that while the song highlights a problem, it provides no solution. It then states that corporate profits, bond yields, and stock markets have been unstable lately, similar to the "leaky bucket" in the song.
Financial crises presentation causes , consequences and remedies
Saving and loan crises of 1980’s and 1990’s a crises in United Kingdom
And a discussion on what crises means in dictionary
Kristoffer Hansen LSC Presentation
This document makes the populist case for returning to the gold standard to solve the problems caused by fiat money. It argues that a gold standard would eliminate inflation, redistribution effects that benefit elites, and financial dependence, while promoting sound money. It proposes a three step plan for a return to gold, including stopping inflation, allowing markets to set the gold price, and ensuring physical gold enters circulation. The case is framed as populist to appeal to ordinary people's interests, rather than elites who benefit from fiat money.
VisitEngland Domestic Trends 2020 Report introduced by Paul Flatters, Trajectory
This document outlines trends that are likely to impact domestic leisure tourism in the UK over the next decade. It identifies trends in demographics, economics, consumer behavior, technology, and tourism. Key trends include an aging society, economic stagnation, increased importance of leisure spending, and a shift towards active and skills-based tourism. Businesses are advised to consider these trends to successfully adapt to emerging consumer demands and priorities over the coming years.
Major Market Crises of History: Reason and Effect
There are many market crises that happened over the last 150 years, three of the major ones are discussed in the presentation which are:
1929 Wall Street Crash
2000 Dot-Com Bubble
2008 Global Financial Crisis
Demographic revolution - A Threat To Our Pensions?
The document discusses how population aging due to declining fertility rates and increasing lifespans (the demographic revolution) will significantly impact economies, public finances, and policymaking over the next 10-20 years. It notes that without reforms, debt levels will rise dramatically. It also explores how population aging may slow economic growth and shift global capital flows. The times are changing rapidly as this demographic shift takes place across countries in differing ways and degrees.
Presentation - Global financial crisis 2008
The document provides an overview of the global financial crisis of 2008. It describes how the crisis originated from the subprime mortgage crisis in the United States, where risky lending practices led to many homeowner defaults which subsequently impacted financial institutions globally. As asset prices fell and credit markets froze, there were banking failures across Europe and a global recession ensued, with rising unemployment and declines in GDP and stock prices around the world. India was also impacted via slowing economic growth, though its financial system had less direct exposure than Western nations.
U.S. Health Insurance Exchanges — Moving Forward
This document provides an economic forecast and analysis of global economic conditions. It discusses how the global recovery is now 3 years old but celebrations are muted as growth has been slow. Growth is forecast to be 3.1% in 2012 and 3.6% in 2013. The deepening recession in the eurozone is a key factor slowing growth as debt strains continue in many countries. Recent EU agreements provide support but long-term solutions are still uncertain. Slowdowns in Europe are moderating growth in North America and Asia through reduced exports. China, India, and Brazil are taking steps to boost growth through interest rate cuts and fiscal measures. The US has potential for relative outperformance but growth is also slowing there.
PPT (1.16.2012): Turning Japanese - the Eurozone & the World
PPT (1.16.2012): Turning Japanese - the Eurozone & the World Institute of Contemporary Asian Studies (ICAS) at TUJ
The document discusses the risks facing the Eurozone and world economy from following Japan's economic model of the past two decades. It notes that the Eurozone is particularly vulnerable due to its centralization of banks and lack of capital in the banking system. Several countries also lack the strong social cohesion and policy mechanisms that allowed Japan to maintain stability. With low growth, high debt levels, deflationary expectations and fragile banks, the global economy faces serious challenges in avoiding a prolonged period of stagnation.Euro Crisis Immediate Solutions
The global economic crisis has had unprecedented and wide-ranging effects. While governments have tried stimulus measures, rising debt and uncertainty continue to hamper recovery efforts. One potential solution is for governments to print money and allocate it to reduce various stakeholder debt levels, up to 25% of the existing money supply, provided inflation and exchange rates can be managed. This approach would require international coordination and testing in the most affected country first before broader implementation. It could help make economic systems viable again by improving liquidity and removing gloom while maintaining functional financial systems.
[EN] Column on European High Yield
European high yield bonds have outperformed US high yield bonds recently due to stronger economic recovery in Europe and signs of resolution to the Greek crisis. However, risks remain for European high yield from slowing global growth, declining commodity prices, and potential outflows of investor funds. While the energy sector exposure is much smaller in Europe than the US, European high yield could still see more defaults from low oil prices. Investor flows will also be an important factor, as European high yield has seen significant inflows recently that could reverse and negatively impact prices.
AindaháEsperançAsdemais...
O documento discute a necessidade de honrar e ajudar todos os reinos da natureza - pedra, vegetal, animal e humano. Argumenta que estamos dormindo, sonhando e agitando demais em direções destrutivas e cruéis, e que precisamos parar para evitar o fim do mundo. Pede que ajudemos a parar os problemas como fome, guerras e violência que estão matando a Terra e os seres vivos.
More Related Content
What's hot
Collapse and stabilisation instead of degrowth?
The document discusses the global debt problem and its implications for economic growth and degrowth strategies. It argues that massive debt write-downs are inevitable due to an impending economic collapse brought on by unsustainable debt levels. This collapse will result in the degrowth wanted by proponents of degrowth, but risks restoring pro-growth systems afterwards. Short-term solutions like debt forgiveness or creating non-debt money are proposed to avoid economic and social breakdown in the interim. Long-term, a dual currency system is suggested to separate money for spending and saving.
Exporting Your Way Out Of Trouble Under A Currency Peg
1) The document argues that it is unclear if Baltic countries like Estonia, Latvia, and Lithuania will be able to export their way out of economic trouble, as debt overhangs and declining populations may constrain growth.
2) Latvia in particular has seen slowing GDP growth as consumer demand and investment have failed to recover despite increased exports. Heavily indebted households and firms now face a credit crunch.
3) Population aging and decline will be a major problem for economic growth in Eastern Europe, as fewer working age people will have to support more retirees. This threatens long-term trend growth and debt sustainability. Structural reforms are needed to address these challenges.
US Crisis And The Dollar
The document summarizes the US financial crisis and its impact on the US dollar and global economy. It discusses how loose lending standards, mortgage-backed securities, and credit default swaps led to the crisis. Central banks have responded by printing vast sums of money to inject liquidity. However, coordinated global policy action is also needed to rebalance global imbalances between surplus and deficit countries. Going forward, the world faces challenges around debt contraction and whether $8 trillion is sufficient given potential solvency issues rather than just liquidity problems.
Financial crisis
This presentation had been presented by Redouane at Universidad Internacional Menendez Pelayo, it is about economic crisis, it includes the main reason of the recent crisis
Presentation Global financial crisis
The document discusses the effects of the subprime crisis and Eurozone crisis on the world economy. It provides background on subprime loans and how loose lending standards contributed to the subprime crisis. The crisis spread through losses by financial institutions and investors, decreasing confidence and impacting markets. The Eurozone crisis began with Greece's debt problems and spread to other European nations with high debt levels. Causes included slow growth, shrinking credit, increased government spending, and austerity exacerbating issues. Both crises led to impacts like rising unemployment, falling business activity, and economic impacts.
Financial Crises - the core
The document discusses several financial crises including the 1980s debt crisis, the 1997-98 Asian crisis, and the current subprime crisis. It analyzes the causes and impacts of these crises from an international political economy perspective. The document also examines historical patterns of economic regimes emerging after financial crises and questions whether the current crisis may lead to a new economic regime.
Economist Intelligence Unit Global Outlook nov 2 2010_Boston
On November 2, 2010, EIU Senior Economist Leila Butt, presented the Economist Intelligence Unit Global Outlook in Boston. Key points in this presentation include:
- Most economies are growing again
- Emerging markets are booming
- Unemployment remains very high
- Consumers are rebuilding balance sheets
- Countries are heavily indebted
- Deflation is a risk in rich countries
- Asset bubbles are a risk in emerging markets
Recessions (презентация миррлиса)
1) Recessions are caused by a decline in overall demand for goods and services, both consumption and investment. This can be triggered by various events like the end of wars, rising commodity prices, or increased interest rates.
2) Governments can help cure recessions through stimulus packages and automatic increases in benefits to boost demand. However, governments often underestimate the decline in demand and are slow to respond.
3) While recessions cannot be fully prevented due to uncertain economic conditions, governments should aim to reduce the impact of large shocks through financial regulation to limit high leverage and risky lending practices.
A970079 Module 2
The document summarizes the causes and transmission of the global financial crisis. It discusses the pre-crisis situation of debt-driven growth, global imbalances, and weak financial regulation. The immediate trigger was the bursting of the US housing bubble in 2006. This led to a collapse in mortgage-backed securities and stock markets. The crisis then spread through remittances, capital flows, and trade to developing countries. Vulnerability to external shocks determined the degree of impact on different countries.
Newsletter August 2015
The document discusses Henry's Bucket, a common childhood song about a bucket that won't hold water due to a hole. It notes that while the song highlights a problem, it provides no solution. It then states that corporate profits, bond yields, and stock markets have been unstable lately, similar to the "leaky bucket" in the song.
Financial crises presentation causes , consequences and remedies
Saving and loan crises of 1980’s and 1990’s a crises in United Kingdom
And a discussion on what crises means in dictionary
Kristoffer Hansen LSC Presentation
This document makes the populist case for returning to the gold standard to solve the problems caused by fiat money. It argues that a gold standard would eliminate inflation, redistribution effects that benefit elites, and financial dependence, while promoting sound money. It proposes a three step plan for a return to gold, including stopping inflation, allowing markets to set the gold price, and ensuring physical gold enters circulation. The case is framed as populist to appeal to ordinary people's interests, rather than elites who benefit from fiat money.
VisitEngland Domestic Trends 2020 Report introduced by Paul Flatters, Trajectory
This document outlines trends that are likely to impact domestic leisure tourism in the UK over the next decade. It identifies trends in demographics, economics, consumer behavior, technology, and tourism. Key trends include an aging society, economic stagnation, increased importance of leisure spending, and a shift towards active and skills-based tourism. Businesses are advised to consider these trends to successfully adapt to emerging consumer demands and priorities over the coming years.
Major Market Crises of History: Reason and Effect
There are many market crises that happened over the last 150 years, three of the major ones are discussed in the presentation which are:
1929 Wall Street Crash
2000 Dot-Com Bubble
2008 Global Financial Crisis
Demographic revolution - A Threat To Our Pensions?
The document discusses how population aging due to declining fertility rates and increasing lifespans (the demographic revolution) will significantly impact economies, public finances, and policymaking over the next 10-20 years. It notes that without reforms, debt levels will rise dramatically. It also explores how population aging may slow economic growth and shift global capital flows. The times are changing rapidly as this demographic shift takes place across countries in differing ways and degrees.
Presentation - Global financial crisis 2008
The document provides an overview of the global financial crisis of 2008. It describes how the crisis originated from the subprime mortgage crisis in the United States, where risky lending practices led to many homeowner defaults which subsequently impacted financial institutions globally. As asset prices fell and credit markets froze, there were banking failures across Europe and a global recession ensued, with rising unemployment and declines in GDP and stock prices around the world. India was also impacted via slowing economic growth, though its financial system had less direct exposure than Western nations.
U.S. Health Insurance Exchanges — Moving Forward
This document provides an economic forecast and analysis of global economic conditions. It discusses how the global recovery is now 3 years old but celebrations are muted as growth has been slow. Growth is forecast to be 3.1% in 2012 and 3.6% in 2013. The deepening recession in the eurozone is a key factor slowing growth as debt strains continue in many countries. Recent EU agreements provide support but long-term solutions are still uncertain. Slowdowns in Europe are moderating growth in North America and Asia through reduced exports. China, India, and Brazil are taking steps to boost growth through interest rate cuts and fiscal measures. The US has potential for relative outperformance but growth is also slowing there.
PPT (1.16.2012): Turning Japanese - the Eurozone & the World
PPT (1.16.2012): Turning Japanese - the Eurozone & the World Institute of Contemporary Asian Studies (ICAS) at TUJ
The document discusses the risks facing the Eurozone and world economy from following Japan's economic model of the past two decades. It notes that the Eurozone is particularly vulnerable due to its centralization of banks and lack of capital in the banking system. Several countries also lack the strong social cohesion and policy mechanisms that allowed Japan to maintain stability. With low growth, high debt levels, deflationary expectations and fragile banks, the global economy faces serious challenges in avoiding a prolonged period of stagnation.Euro Crisis Immediate Solutions
The global economic crisis has had unprecedented and wide-ranging effects. While governments have tried stimulus measures, rising debt and uncertainty continue to hamper recovery efforts. One potential solution is for governments to print money and allocate it to reduce various stakeholder debt levels, up to 25% of the existing money supply, provided inflation and exchange rates can be managed. This approach would require international coordination and testing in the most affected country first before broader implementation. It could help make economic systems viable again by improving liquidity and removing gloom while maintaining functional financial systems.
[EN] Column on European High Yield
European high yield bonds have outperformed US high yield bonds recently due to stronger economic recovery in Europe and signs of resolution to the Greek crisis. However, risks remain for European high yield from slowing global growth, declining commodity prices, and potential outflows of investor funds. While the energy sector exposure is much smaller in Europe than the US, European high yield could still see more defaults from low oil prices. Investor flows will also be an important factor, as European high yield has seen significant inflows recently that could reverse and negatively impact prices.
What's hot (20)
Exporting Your Way Out Of Trouble Under A Currency Peg
Exporting Your Way Out Of Trouble Under A Currency Peg
Economist Intelligence Unit Global Outlook nov 2 2010_Boston
Economist Intelligence Unit Global Outlook nov 2 2010_Boston
Financial crises presentation causes , consequences and remedies
Financial crises presentation causes , consequences and remedies
VisitEngland Domestic Trends 2020 Report introduced by Paul Flatters, Trajectory
VisitEngland Domestic Trends 2020 Report introduced by Paul Flatters, Trajectory
Demographic revolution - A Threat To Our Pensions?
Demographic revolution - A Threat To Our Pensions?
PPT (1.16.2012): Turning Japanese - the Eurozone & the World
PPT (1.16.2012): Turning Japanese - the Eurozone & the World
Viewers also liked
AindaháEsperançAsdemais...
O documento discute a necessidade de honrar e ajudar todos os reinos da natureza - pedra, vegetal, animal e humano. Argumenta que estamos dormindo, sonhando e agitando demais em direções destrutivas e cruéis, e que precisamos parar para evitar o fim do mundo. Pede que ajudemos a parar os problemas como fome, guerras e violência que estão matando a Terra e os seres vivos.
How2 Succeedinlife
The document provides a 15-point plan for how to succeed. Some key points include working for a challenging boss to learn skills, maintaining good communication and helping your boss look good, dressing professionally for your desired job, keeping integrity by always telling the truth, striving to meet deadlines and not take criticism personally. The final points recommend having alone time for self-reflection, maintaining a backup career plan, and remembering that passion, thinking big and spreading love are secrets to success.
Life On The Train
Life is compared to a train ride where people get on and off at different stops. Parents are with us for as long as we need them before completing their own journeys. Friends and loved ones also get on and off, some leaving lasting impressions while others depart quickly. The journey is filled with hopes, dreams, challenges and goodbyes. Passengers must strive to understand each other and look for the best in one another as anyone could need help at any time. The end of the journey is unknown, and saying goodbye to traveling companions will be difficult, but we will hopefully meet again at the final station having enriched each other's lives.
Tequieromucho
El mensaje habla de 20 ángeles, 10 dormían una siesta, 9 jugaban juntos y el más pequeño leía el mensaje. Pide enviar el mensaje a 10 personas queridas y que si 5 lo devuelven, alguien amado dará una sorpresa. Finaliza bendiciendo al destinatario.
Dream Keepers
Chapter 6 discusses culturally relevant teaching and the importance of literacy for African American learners. It describes Ann Lewis' experience transforming her teaching through culturally relevant books and encouraging student interaction. Julia Deveraux taught with a more structured basal reading approach. Margaret Rossi taught math while emphasizing the African origins of algebra. Chapter 7 discusses the teacher's power to promote academic excellence without compromising cultural identity. It envisions a culturally relevant school where community and parents play a role in students' success.
Acidente Vascular Cerebral
1) Uma mulher sofreu um AVC durante um churrasco mas não perceberam os sintomas;
2) Reconhecer os sinais de um AVC é crucial para tratamento nas primeiras 3 horas;
3) Peça a alguém sorrir, levantar os braços e falar - se tiver dificuldades com qualquer uma dessas, chame socorro imediatamente.
Adivinhaoquesou
O documento descreve um objeto de aproximadamente 15 centímetros com pelos em uma extremidade, que é introduzido rapidamente em uma cavidade quente e húmida para criar excitação através de movimentos repetitivos, deixando para trás uma secreção branca e pegajosa após seu uso.
Aescada(Dany)
A Capela Loretto em Santa Fé, Novo México é o local de um suposto milagre ocorrido há 130 anos. Freiras pediram a São José por uma escada e um carpinteiro desconhecido construiu uma escada "milagrosa" sem suportes que ainda intriga engenheiros. A escada tem 33 degraus, a idade de Cristo, reforçando a crença no milagre.
Life Management Skills
1. The document provides advice on developing life management skills including balancing work and personal life, career planning, networking, leadership, conflict resolution, and office politics.
2. It emphasizes the importance of planning ahead, continuous self-improvement, helping others, understanding different communication styles, and creating a positive professional reputation or "brand".
3. The conclusion encourages taking responsibility for one's own destiny, using power to help others, and focusing on making the world better rather than pursuing more material gains.
Happy Days
This short document appears to be a slide presentation that automatically advances slides. It expresses gratitude to the viewer for watching the presentation and provides contact information.
Chocolates With Bear
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
Four Parachutes
A plane was about to crash with 5 passengers and only 4 parachutes. The first passenger, Ronaldo, claimed to be the best soccer player and took the first parachute. The second passenger, Hillary Clinton, said she was important and took the second parachute. The third passenger, George W. Bush, said he was the smartest president and took the third parachute, which was actually a child's backpack. The fourth passenger, a priest, offered the last parachute to the boy but the boy said Bush had taken his backpack instead.
(Som)EssêNciados Amigos
Os amigos são como flores que deixam uma essência característica em quem as colhe. Cada amigo traz sua própria essência, que pode ser mais concentrada, equilibrada ou sutil. As melhores essências costumam vir em pequenos frascos, assim como os amigos, que podem ser pequenos mas cuja amizade enche a alma. O autor agradece a um amigo por sua demonstração constante de amor e amizade.
Algotepreocupa
O documento discute como as pessoas tendem a reclamar de pequenos problemas da vida diária, como estudar ou comer verduras, sem perceber que há pessoas que enfrentam problemas muito maiores, como fome ou falta de pais. Ele incentiva as pessoas a observarem ao seu redor e agradecerem o que têm, ao invés de alimentarem um círculo consumista que ignora os necessitados, e a ajudarem mais uns aos outros em vez de reclamarem tanto.
Cleopatra Stratan
Cleopatra Stratan is a Moldovan singer who achieved commercial success at a very young age. At only 3 years old, her 2006 album "At the age of 3" found commercial success, making her one of the youngest people ever to do so as a singer. She is the daughter of Moldovan-Romanian singer Pavel Stratan.
プレゼンテーション
This document introduces Hanako U., a student providing basic personal details including age, school, family, hometown of Yatsushiro city, and sports history playing badminton, track and field and basketball in elementary school and volleyball in junior high. Hobbies include watching sports like football and baseball as well as TV and movies.
For Sons And Daughters
The document is a letter from a father to his son about caring for him as he ages. It asks the son to be patient, listen without judgment, and help his father as he once helped him. It acknowledges that the father may repeat stories, forget things, or not want to eat or live anymore. But it emphasizes that the son should be understanding, spend time with his father, and help him walk just as his father once helped the son. The overarching message is to care for an aging parent with compassion, as they once cared for you.
Happiness Is Voyage
The document discusses how people often convince themselves that they will be happier once they achieve certain life goals such as getting married, having children, buying a house, retiring, etc. However, it notes that there is no better time to be happy than the present. It also discusses how we should appreciate the people in our lives who care for us and make us feel special, rather than focusing on famous or successful people who we do not actually know. The document concludes by relating a story about nine disabled athletes who stopped racing to comfort a fellow athlete who had fallen, highlighting the importance of helping others.
Viewers also liked (20)
Similar to Consumer Debt
Copelovitch slides
This document provides an overview of the global financial crisis, including its causes in the subprime mortgage lending boom and bust in the United States, the effects on credit markets and the real economy, and policy responses both domestically and internationally. It discusses the difficulties in policymaking given tradeoffs between liquidity and moral hazard, regulation and competitiveness, and domestic and international priorities. While reform goals are broadly agreed upon, specific policies and institutions face disagreement due to these complex tradeoffs and competing political interests among nations.
Arc2010,brussels
The document discusses problems and potential solutions related to the future of the financial system. It identifies three categories of problems - near term, medium term, and long term. Near term problems include uncertainty about financial institutions' health and risks from low interest rates. Medium term problems arise from the crisis itself and its response, like regulatory inefficiency. Long term problems include procyclical behavior increasing over time. Solutions proposed include carefully monitoring risk, using macroprudential tools to address asset bubbles, and ex ante measures to better manage future crises.
Global crisis2011
This document discusses aspects of global economic crises and provides potential solutions. It notes that before crises, problems are known but reforms face resistance during growth periods. Crises are then assessed superficially and policy responses are too late or not well-coordinated. It analyzes causes like excess leverage, risky investments, lack of transparency, and failure of international coordination. Solutions proposed include stronger financial regulation and supervision, higher capital and liquidity standards, addressing regulatory gaps, reforming accounting rules, and enhancing international cooperation.
Powerpoint Paul De Grauwe
The document summarizes several design failures in the Eurozone that contributed to economic instability. It discusses how (1) booms and busts continued to occur at the national level without coordination at the union level, which the monetary union likely exacerbated, and (2) stabilizing mechanisms that existed at national levels were removed without being implemented at the union level, leaving member states vulnerable. Specifically, there was no lender of last resort for governments, exposing government bond markets to self-fulfilling liquidity crises. This caused austerity and recessions while increasing debt loads in troubled countries.
Modern Macroeconomics is Fundamentally Misguided - William White, OECD, ERCD
This presentation was made by William White, Economic Development Review Committee, OECD, at the 8th meeting of Parliamentary Budget Officials and Independent Fiscal Institutions held in Paris on 11-12 April 2016.
The Uncertainty Effect on HSR in EEU (2)
The document analyzes how uncertainty affects household saving rates in Eastern European countries compared to developed European economies. Regression analysis of data from 1995-2012 shows that in emerging European countries, higher inflation and decreased economic sentiment are correlated with increased saving rates, indicating uncertainty is a main motivation for saving. However, the analysis found uncertainty did not significantly influence saving rates in developed countries, where other factors like retirement and education are primary motivations. The findings suggest policymakers in emerging economies could consider uncertainty an important determinant of saving behavior.
Deloitte reports consumer 2020
The document discusses how economic, demographic, and technological trends will shape consumer spending and behavior over the next decade. It predicts that consumer spending growth in heavily indebted Western countries will slow as households focus on paying down debt and saving more. Meanwhile, countries like China will need to shift from export-driven to consumer-driven growth. The global economy will rebalance as consumer spending increases in emerging markets like China, India, Brazil, and others, fueling the rise of a huge new global middle class. Technologies will continue empowering consumers and changing how they interact with companies.
20100629
The document discusses the global financial crisis, its causes, consequences, and implications for future business education. It summarizes that the crisis originated from the US housing market boom and unregulated financial innovation involving subprime mortgages. This led to a crisis of confidence spreading from the US to other parts of the world. The consequences included severe economic downturns. Going forward, there is a need for reforms in financial regulations, credit ratings, and increased focus on ethics and social responsibility in business education.
After the storm- Global Financial Crisis 27 aug 2010
Global Financial Order - Reasons for Crisis, Current Status, The BIG Shifts- Public Debt, Global De-leverage, Wealth Concetration & Creation.
Talk Delivered at Fore School Of Management, new Delhi
22 nov10 arc2010brussels_final
William R White's presentation discusses financial stability and systemic risk. Some key points are:
1) While financial stability being associated with systemic risk is positive, financial "imbalances" are crowding out attention to real imbalances driven by credit growth.
2) The distinction between financial stability and price stability is false, and regulation can achieve one at the cost of economic growth.
3) Remaining uncertainties around financial institutions' health and further economic weakness could expose more risks.
4) New attitudes around risk and ultra-low rates may lead to inflation, asset bubbles, and gambling for resurrection.
Financial Institutions, Markets and Regulation: A Survey | COEURE Workshop on...
Financial Institutions, Markets and Regulation: A Survey | COEURE Workshop on...Florence School of Banking & Finance
This document summarizes a survey on financial institutions, markets, and regulation presented by Thorsten Beck, Elena Carletti, and Itay Goldstein. The survey discusses market failures in the financial system that lead to the need for regulation, different types of financial regulation, recent regulatory reforms, and the state of the European financial system six years after the crisis. It also examines the pros and cons of financial innovation, the relationship between banks and markets, and how to create regulatory frameworks that are resilient to arbitrage. The presenters call for more research on the effects of new regulation and the most effective approaches to macroprudential regulation.2007 01 white presentation at barclays capital in florida 28 30 january 2007 ...
1) The document summarizes a presentation given by William White about globalization and the convergence of inflation rates. It discusses how inflation has fallen globally and become less volatile. It also explores several potential explanations for these trends, including effective central bank policy, globalization of markets, and the "savings glut" hypothesis.
2) The presentation is divided into four parts. The first discusses the facts about declining inflation and volatility worldwide. The second evaluates alternative explanations for these trends. The third considers prospects for the future and potential financial imbalances. The fourth discusses implications for monetary policy.
3) In conclusion, the presentation argues that no single factor can fully explain recent inflation trends. Rather, a combination of forces, including global
Covid19 Pandemic: Looming Global Recession and Impact on Bangladesh
The document summarizes the economic impacts of the Covid-19 pandemic, including a potential global recession. It discusses indicators that a recession may occur, such as stock market declines and yield curve inversions. The pandemic has reduced global production and exports while increasing unemployment. For Bangladesh specifically, exports and remittances declined sharply, threatening employment and government revenue. The economic challenges for Bangladesh recovering are substantial in the face of an uncertain global economic outlook.
2013 10-20 Possibles scenarios of crisis MiF-15' v12
This document summarizes the risks facing the modern global economic system. It outlines several macroeconomic risks such as uneven global growth and emerging market vulnerabilities. It also discusses risks from changes in monetary policy like the tapering of quantitative easing. Several negative internal factors are mentioned like the sovereign debt crisis in Europe and the property bubble in China. However, some positive internal factors may help like improved risk management and regulation. The document examines the potential effects of these risks, like reversals of capital flows to emerging markets and rising emerging market risk premiums. Charts show trends in government and private debt levels that could exacerbate problems. The conclusion discusses the possibility of high yield bond defaults and liquidity crises without reforms and coordination between institutions.
1. GLOBAL IMBALANCES1.1 Cheap But Flighty How Global Imbalanc.docx
1. GLOBAL IMBALANCES
1.1 Cheap But Flighty: How Global Imbalances Create Financial Fragility
by Toni Ahnert and Enrico Perotti
Bank of Canada Working Paper 2015-33
https://www.bankofcanada.ca/wp-content/uploads/2015/08/wp2015-33.pdf
August 2015
How a wealth shift to emerging countries may lead to instability in developed countries. Investors exposed to expropriation risk are willing to pay a safety premium to invest in countries with good property rights. Domestic intermediaries compete for such cheap funding by carving out safe claims, which requires demandable debt. While foreign inflows allow countries to expand their domestic credit, risk-intolerant foreign investors withdraw even under minimal uncertainty. We show that more foreign funding causes larger and more frequent runs. Beyond some scale, even risk-tolerant domestic investors are induced to withdraw to avoid dilution. As excess liquidation causes social losses, a domestic planner may seek prudential measures on the scale of foreign inflows.
Topics to study:
· Investment / risk - relationship
· Global Imbalances
· Factors to attract foreign investment
· Safety-seeking foreign funding
1. An increasing scale of foreign funding may induce runs even by risk-tolerant investors since they seek to avoid dilution.
2. Result supports a mandate for introducing a macroprudential regulator to oversee the nature of foreign inflows because the socially preferred funding structure would involve less credit volume and more stability than the private choice.
3. Global imbalances shaped the credit boom and, ultimately, the financial crisis
4. The accumulation of wealth in countries with a weak protection of property rights creates a demand for absolute safety provided by intermediaries in developed countries.
5. The safety-seeking nature of foreign flows creates risk.
1.2 Global Imbalances and the Financial Crisis: Products of Common Causes
Maurice Obstfeld and Kenneth Rogoff
University of California, Berkeley, and Harvard University.
Federal Reserve Bank of San Francisco
https://scholar.harvard.edu/files/rogoff/files/global_imbalances_and_financial_crisis_0.pdf
November 2009
This paper makes a case that the global imbalances of the 2000s and the recent global financial crisis are intimately connected. Both have their origins in economic policies followed in a number of countries in the 2000s and in distortions that influenced the transmission of these policies through U.S. and ultimately through global financial markets. In the U.S., the interaction among the Fed’s monetary stance, global real interest rates, credit market distortions, and financial innovation created the toxic mix of conditions making the U.S. the epicenter of the global financial crisis. Outside the U.S., exchange rate and other economic policies followed by emerging markets such as China contributed to the United States’ ability to borrow cheaply abroad and thereby finance its unsustainable housing bubble.
Topics to st ...
All bound up? Monetary policy in recovery and beyond
At an event at its central London Headquarters, chaired by The Times’ Economics Editor Philip Aldrick, Resolution Foundation Chief Economist Matthew Whittaker presented new analysis on the impact of monetary policy during the downturn. Former MPC member Kate Barker and Chief Economics Commentator at the Financial Times Martin Wolf then debated the future role of monetary policy, before taking part in a wider Q&A.
The Great Leveraging-Comments
1) The document analyzes historical data from 14 advanced economies over 140 years to identify trends leading up to financial crises. It finds that periods of high credit growth and leverage often precede crises and result in long, slow recoveries, especially when combined with high public debt.
2) Five facts are presented: advanced economies have experienced more frequent crises since the 1970s as financial sectors grew rapidly independent of the real economy; crises are deflationary and depress economic growth; unprecedented leverage in the banking sector now compared to the past; emerging markets insure against currency crises while developed markets benefit; and demographic changes may undermine long-term liquidity.
3) Five lessons recommend macroprud
Financial Sector Strategies for Public Financial Managers
Paul Leonovich, Associate Director for Banking & Financial Services, Office of Technical
Assistance, United States Department of the Treasury
“Financial Sector Strategies for Public Financial Managers”
The presenters will discuss strategies and tactics that can be utilized in responding to
current financial sector and debt market challenges.
Wolf
The document summarizes Martin Wolf's lecture on the failures of global finance and capital flows that have led to emerging market crises. Some key points:
1. Financial liberalization in emerging markets led to excessive risk-taking and poor regulation, fueling credit growth and asset bubbles.
2. Macroeconomic imbalances like fiscal deficits and currency pegs exacerbated risks. Currency crises then triggered financial crises as foreign debt overwhelmed many countries and companies.
3. Major crises included the Latin American debt crisis in the 1980s, the Mexican "Tequila" crisis of 1994-95, the Asian Financial crisis of 1997-98, and the Argentine crisis of 2001-02. The Asian crisis
Risk confronting the international banking systems
The document summarizes some of the key risks facing the international banking system. It discusses how sovereign debt crises are destabilizing markets and economic growth is sluggish in developed nations. Banks face challenges including high credit risks in Europe, regulatory changes, and demanding customers. The main risks identified include default risk if borrowers fail to repay, financial risk from capital structure and debt levels, and business risk from uncertainty in markets and income.
Similar to Consumer Debt (20)
Modern Macroeconomics is Fundamentally Misguided - William White, OECD, ERCD
Modern Macroeconomics is Fundamentally Misguided - William White, OECD, ERCD
After the storm- Global Financial Crisis 27 aug 2010
After the storm- Global Financial Crisis 27 aug 2010
Financial Institutions, Markets and Regulation: A Survey | COEURE Workshop on...
Financial Institutions, Markets and Regulation: A Survey | COEURE Workshop on...
2007 01 white presentation at barclays capital in florida 28 30 january 2007 ...
2007 01 white presentation at barclays capital in florida 28 30 january 2007 ...
Covid19 Pandemic: Looming Global Recession and Impact on Bangladesh
Covid19 Pandemic: Looming Global Recession and Impact on Bangladesh
2013 10-20 Possibles scenarios of crisis MiF-15' v12
2013 10-20 Possibles scenarios of crisis MiF-15' v12
1. GLOBAL IMBALANCES1.1 Cheap But Flighty How Global Imbalanc.docx
1. GLOBAL IMBALANCES1.1 Cheap But Flighty How Global Imbalanc.docx
All bound up? Monetary policy in recovery and beyond
All bound up? Monetary policy in recovery and beyond
Financial Sector Strategies for Public Financial Managers
Financial Sector Strategies for Public Financial Managers
Risk confronting the international banking systems
Risk confronting the international banking systems
More from kktv
You Have Two Choices
Jerry is always in a good mood and motivates his employees. When asked his secret, Jerry says that every day he chooses to have a good attitude. Years later during an armed robbery at his restaurant, Jerry was shot but survived thanks to his positive attitude during surgery. He told the doctors to treat him as if he was alive, not dead, and chose to live. Jerry's amazing attitude allowed him to survive the incident and recover.
Woman
This document provides encouragement for women by noting that there will always be someone who has something better, like being prettier, smarter, having a bigger house or better car. However, those things don't guarantee happiness. The prettiest woman could be unhappy, the highest achieving woman may not be able to have children, and the richest woman could be lonely. Therefore, women should love themselves for who they are, tell themselves they are blessed, and pass on encouragement to other women.
Lehman Brothers Collapse
Lehman Brothers collapsed because it had significant exposure to subprime mortgages through repackaging and selling mortgage-backed securities globally, and also invested heavily in commercial and residential property whose values plummeted. When Lehman was unable to sell itself due to its toxic assets, its collapse rattled markets and raised fears that other major financial institutions like Merrill Lynch and AIG could also fail.
Seta 3 Perceived Reality
The document discusses the importance of relationship management and attitude in business success. It argues that perceived reality is reality, so one must know what others think before knowing what to do. It then provides steps to evaluate and adjust one's attitude to better manage relationships, including using a "relationship temperature thermometer" to measure perceived reality and make adjustments. It outlines seven "relationship temperature controls" including responding to criticism, empowering others, demonstrating authority versus control, emotional discipline, handling fears, demonstrating compassion, and exhibiting humility.
Selling Techniques
This document provides guidance on successful selling techniques. It discusses the importance of understanding customers, their requirements and satisfaction. It outlines components of a successful sales strategy including being determined, thorough preparation, and having the right mindset. It provides tips for interactions with customers such as properly greeting them, using the right sales pitch for their nature, having a compassionate attitude, properly closing interactions and obtaining referrals. It also gives advice for handling difficult customers through listening more than talking and showing patience.
Second Thoughts Give & Receive
A student suggested playing a trick on a poor field worker by hiding his shoes. However, his professor suggested a kinder alternative - to leave a coin in each shoe. They hid and watched as the worker discovered the coins, overcome with gratitude and relief that the money would help his sick wife and hungry children. The student was deeply moved, realizing the lesson that it is better to give than to receive.
Seat Belts
A passenger in the front seat of a car failed to fasten their seatbelt while the driver did fasten theirs. When an impact occurred, the driver, protected by their seatbelt, survived while the unrestrained passenger did not. The message emphasizes how taking the time to wear a seatbelt can save your life in the event of an accident.
Sales Training
There is a need for more efficient training in auto dealerships due to high turnover rates and changing business needs. Several case studies show how companies like AutoNation, Toyota, and Volvo have successfully implemented eLearning programs to provide standardized, scalable training across their large, distributed workforces. An effective eLearning program requires determining training needs, developing a clear business case showing cost savings, selecting an appropriate learning management system, and measuring performance improvements.
Sales Strategy
The document summarizes a webcast discussing effective sales and distribution strategies for software as a service (SaaS) firms. Representatives from three SaaS companies - Salesnet, Intacct, and HSS - presented their approaches to go-to-market strategies, selling value propositions, sales organizations, and customer support. They discussed opportunities and challenges of the SaaS model. The webcast was moderated by TripleTree to provide C-level perspectives on executing SaaS sales and distribution.
Rich Poor
The father took his wealthy son on a trip to experience how poor people live. They stayed with a poor family on their farm for a few days. When they returned, the father asked the son what he learned. The son said that while they have many luxuries, the poor family had friends and a sense of community to rely on. He thanked his father for teaching him how poor they really are by comparison. Having a new perspective on appreciating what you have is important.
Sales Promotion
This document discusses sales promotion and personal selling. It defines sales promotion as driving immediate purchases or influencing behavior through consumer promotions like coupons or trade promotions like rebates for retailers. Personal selling involves directly communicating with qualified prospects to obtain sales and customer satisfaction. The key steps in the selling process are generating leads, qualifying leads, presenting solutions, handling objections, closing the sale, and following up. Sales management responsibilities include evaluating, compensating, recruiting, and training the sales force.
Quality Customer Service
This document discusses the importance of providing excellent customer service. It emphasizes that customers should feel special and respected. Some key aspects of good customer service highlighted include listening to customers, building rapport, having a positive attitude, addressing customer needs, and making a great first impression within the first 15 seconds of interaction. The goal is to ensure customers have positive experiences and spread positive word of mouth about the organization.
Put The Glass Down
The professor holds up a glass of water in class and asks students to guess its weight, which varies, but all agree it does not change. He then asks what would happen if he held it up for longer periods - his arm would ache after an hour and go numb after a day. Though the weight did not change, the stress of holding it up for long periods is what caused the issues. The professor concludes that problems in life are like the glass - they seem manageable at first but holding them in your mind for too long can paralyze you. It is important to "put the glass down" by not stressing over problems when you go to sleep, so you can handle challenges fresh each new day.
Pushforlife 1
A man was instructed by God to push against a large rock each day. Though he pushed with all his might, the rock did not move. Satan tried to discourage the man by suggesting he stop pushing, but the man prayed instead. God told the man that his task was to push the rock in obedience, not to move it, and that through his efforts the man had grown stronger. God would now move the rock for the man.
Punishing Ur Boss
The document instructs the reader to use a mouse to click on arrows to release frustration and to change weapons by clicking on a hand icon.
Paradigm
Scientists placed monkeys in a cage with a ladder containing bananas. Any monkey climbing the ladder would cause all monkeys to be sprayed with cold water. Over time, monkeys stopped climbing the ladder and instead beat up any monkey that tried, even if they had never been sprayed themselves. This demonstrated how paradigms and traditions can form and be passed down without understanding the original reasoning.
Positive Attitude
The document provides tips for staying positive in a negative work environment, such as one where coworkers are competitive and hostile. It warns of potential dangers like bullying behaviors and references using past experiences to develop strategies for maintaining a positive outlook despite challenges. The summary encourages determining ways to rise above negativity and cultivate a constructive mindset.
Organisational Communication
Organisational communication is important for any structured group to function effectively and achieve common goals. There are different types of communication in an organization, including verbal, non-verbal, upward, downward, and crosswise communication. Upward communication involves communicating with higher-ups, while downward communication involves communicating policies, decisions, targets, and feedback from top-down. Crosswise communication refers to communicating with colleagues laterally. Effective organizational communication requires understanding different perspectives, giving and receiving feedback, and resolving issues through discussion rather than argument.
One Of Those Days
The narrator had a very unlucky morning, first tripping and hitting his head, then burning his tongue from hot coffee and getting an electric shock from the toaster. Things got worse when he received a call at work that their office had been broken into and computers and documents were stolen. While upset by the news, he spilled coffee on himself, and taking a cold shower to calm down only made the unlucky day worse.
Old Age Is A Gift
The author expresses that old age is a gift and that they have become the person they've always wanted to be, despite physical changes. While their body shows signs of aging, they value the friends, family, and life they've built. They feel free to indulge and live life as they choose. The author has come to appreciate life's lessons of compassion that come with broken hearts and experiences over the years. They are grateful for all they've laughed and lived.
More from kktv (20)
Recently uploaded
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查
永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trendsLabour Market Information Council | Conseil de l’information sur le marché du travail
[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.KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
How to Invest in Cryptocurrency for Beginners: A Complete Guide
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
Accounting Information Systems (AIS).pptx
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Independent Study - College of Wooster Research (2023-2024)
"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.
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strategies
Detailed power point presentation on compound interest and how it is calculated
Detailed information about compund interest
13 Jun 24 ILC Retirement Income Summit - slides.pptx
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
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
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.Who Is Abhay Bhutada, MD of Poonawalla Fincorp
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.
1比1复刻(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书原版一模一样
原版定制【微信:bwp0011】《(ksu毕业证书)美国堪萨斯州立大学毕业证本科文凭证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"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.真实可查(nwu毕业证书)美国西北大学毕业证学位证书范本原版一模一样
原版定制【微信:bwp0011】《(nwu毕业证书)美国西北大学毕业证学位证书》【微信:bwp0011】成绩单 、雅思、外壳、留信学历认证永久存档查询，采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信bwp0011】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信bwp0011】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
Recently uploaded (20)
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Using Online job postings and survey data to understand labour market trends
Using Online job postings and survey data to understand labour market trends
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
KYC Compliance: A Cornerstone of Global Crypto Regulatory Frameworks
How to Invest in Cryptocurrency for Beginners: A Complete Guide
How to Invest in Cryptocurrency for Beginners: A Complete Guide
Discover the Future of Dogecoin with Our Comprehensive Guidance
Discover the Future of Dogecoin with Our Comprehensive Guidance
Importance of community participation in development projects.pdf
Importance of community participation in development projects.pdf
Independent Study - College of Wooster Research (2023-2024)
Independent Study - College of Wooster Research (2023-2024)
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Tdasx: In-Depth Analysis of Cryptocurrency Giveaway Scams and Security Strate...
Detailed power point presentation on compound interest and how it is calculated
Detailed power point presentation on compound interest and how it is calculated
13 Jun 24 ILC Retirement Income Summit - slides.pptx
13 Jun 24 ILC Retirement Income Summit - slides.pptx
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Consumer Debt
- 1. Will Consumer Debt in Developed Countries lead to a Crisis? By Sony Kapoor New Economics Foundation for HM Treasury International Economics Seminar at London Business School 30 th January 2004 (Graphs Sourced from The Economist)