The document discusses the uncertain economic situation according to conversations the author had with policymakers. It says that while some things are improving, they are not everywhere, and the improvements may not last. The future remains unclear and difficult to predict with confidence. Overall it portrays a situation that is mixed and uncertain.
Insurance products, savings and investments are crucial elements of financial health that evolve throughout our lifetime. But getting consumers to think long-term is not easy.
5 most expensive mistakes companies make when trying to grow their company.ikealu7
5 most expensive mistakes companies make when trying to grow their company. Includes relavant information on the economy, business, and consulting in the Project Management Space.
This document discusses trends that will emerge in 2021 based on cultural changes accelerated by the COVID-19 pandemic. It identifies 8 trends:
1. Realistic optimism - People will remain cautiously optimistic about the future due to continued uncertainty.
2. Soft capitalism - There will be increased debate around reforming capitalism to reduce inequality.
3. Amphibious life - People will seamlessly move between physical and virtual worlds in their work and daily lives.
4. Individual redesign - Younger people will seek to reinvent themselves, and there will be a boom in startups and online education.
The document provides analysis and examples for each trend, and discusses the implications for brands. It argues the pandemic
The document discusses how the recession has impacted consumer spending habits and how consumers will pay for goods going forward. It notes that consumers are deleveraging and taking on less debt due to job losses and stagnant wages. While credit card usage fueled spending for decades, consumers will now likely shift to debit cards and alternative payment methods. This change creates opportunities for new payment companies and technologies to fill the gap left by reduced credit availability and help consumers continue to purchase goods and services.
The Deloitte Global Millennial Survey 2019 talked about how societal discord and technological transformation created a generation disruption. See More : https://www2.deloitte.com/in/en.html
The document discusses how businesses need to consider their aging customer base and the rising millennial generation. As baby boomers retire in large numbers, they will have less income and spend less, potentially hurting businesses that rely on older customers. Meanwhile, millennials now make up the largest generation in the workforce and prefer urban living. They will be a major economic force, so businesses need to understand millennials' preferences around issues like banking fees in order to attract and retain them. The next article will provide more details on millennials' demographics, consumer trends, and social concerns that are important for business development strategies targeting this generation.
Get Business Smart - The value of curiosityemmersons1
The document discusses the value of curiosity for businesses. It argues that curiosity is crucial for organizations to thrive in changing times as it drives continuous learning, adaptation and innovation. Curiosity fosters qualities in employees like being collaborative and detail-oriented that are important for high performance. The document advocates for businesses to encourage curiosity in their employees and create an environment where people can ask questions without embarrassment. This benefits businesses by making employees more agile, creative and problem-solving.
Insurance products, savings and investments are crucial elements of financial health that evolve throughout our lifetime. But getting consumers to think long-term is not easy.
5 most expensive mistakes companies make when trying to grow their company.ikealu7
5 most expensive mistakes companies make when trying to grow their company. Includes relavant information on the economy, business, and consulting in the Project Management Space.
This document discusses trends that will emerge in 2021 based on cultural changes accelerated by the COVID-19 pandemic. It identifies 8 trends:
1. Realistic optimism - People will remain cautiously optimistic about the future due to continued uncertainty.
2. Soft capitalism - There will be increased debate around reforming capitalism to reduce inequality.
3. Amphibious life - People will seamlessly move between physical and virtual worlds in their work and daily lives.
4. Individual redesign - Younger people will seek to reinvent themselves, and there will be a boom in startups and online education.
The document provides analysis and examples for each trend, and discusses the implications for brands. It argues the pandemic
The document discusses how the recession has impacted consumer spending habits and how consumers will pay for goods going forward. It notes that consumers are deleveraging and taking on less debt due to job losses and stagnant wages. While credit card usage fueled spending for decades, consumers will now likely shift to debit cards and alternative payment methods. This change creates opportunities for new payment companies and technologies to fill the gap left by reduced credit availability and help consumers continue to purchase goods and services.
The Deloitte Global Millennial Survey 2019 talked about how societal discord and technological transformation created a generation disruption. See More : https://www2.deloitte.com/in/en.html
The document discusses how businesses need to consider their aging customer base and the rising millennial generation. As baby boomers retire in large numbers, they will have less income and spend less, potentially hurting businesses that rely on older customers. Meanwhile, millennials now make up the largest generation in the workforce and prefer urban living. They will be a major economic force, so businesses need to understand millennials' preferences around issues like banking fees in order to attract and retain them. The next article will provide more details on millennials' demographics, consumer trends, and social concerns that are important for business development strategies targeting this generation.
Get Business Smart - The value of curiosityemmersons1
The document discusses the value of curiosity for businesses. It argues that curiosity is crucial for organizations to thrive in changing times as it drives continuous learning, adaptation and innovation. Curiosity fosters qualities in employees like being collaborative and detail-oriented that are important for high performance. The document advocates for businesses to encourage curiosity in their employees and create an environment where people can ask questions without embarrassment. This benefits businesses by making employees more agile, creative and problem-solving.
This document discusses the differences between periods of economic and market conditions. It notes that in the 1970s, inflation-adjusted returns hit -75%, while the 1980s-90s saw the emergence of new technologies that drove wealth creation. Currently, interest rates are at historic lows, making equities relatively more appealing. The author argues that distinguishing periods when fundamental factors are truly different is important for investment decisions. Sometimes markets reflect collective madness, while other times data shows a real change. Investors need to recognize differences in economic environments.
Living in the Post-COVID World and Finding OpportunityAlexander Khvatov
The document discusses how the coronavirus pandemic will lead to significant and long-lasting changes in technology trends and the business world. Key impacts include a shift to remote work and online services, changes in spending on different industry sectors, and an accelerated transition to digital technologies. The crisis will have both short-term negative effects and create new opportunities for adaptation and growth in areas like healthcare, education, and online services.
Nielsen global online consumer confidence october 2011Dung Do
Global online consumer confidence fell for the seventh consecutive quarter according to Nielsen's survey. A majority of consumers now believe they are in an economic recession and are increasing their spending restraint. The top concerns were the economy and job security. If budgets contract, discretionary spending on apparel, dining out, and electronics would be reduced while savings and essentials would be prioritized. The outlook remains pessimistic in Europe and North America where many believe the recession will continue into the next year.
The document discusses how the current economic downturn is affecting digital marketing and media spending. It provides statistics showing that the economy is declining sharply, consumer confidence is low, and media and marketing budgets are expected to be flat or decrease over the next two years for the first time in over 40 years. Marketers anticipate significant cuts to their advertising budgets in response to the recession.
In 2007, BBDO published a piece of research entitled The Rituals Masters. Twelve years on, the world has changed dramatically, which has had a significant impact on our needs and on our rituals.
This document discusses reasons for slower economic growth in the US as the "new normal" compared to previous decades. It notes factors such as high household, business, and government debt levels; a more competitive global economy; demographic changes like retiring Baby Boomers; stagnant wage growth; cautious corporate behavior focused on financial engineering over hiring and investment; industry consolidation; the impact of technology in eliminating jobs; and income volatility among many workers. The document examines these trends in depth through data and examples to argue the US faces structural economic challenges compared to the post-WWII era.
12th-14th May,2020 -the FT launched The Global Boardroom, a new live-
streamed three-day event gathering "the most influential voices" from policy, business, tech and finance to offer a comprehensive picture of the global response to the Covid-19 crisis.
This LinkedIn & Ipsos study provides actionable insights on:
• How Affluent Millennials are dramatically reshaping the future of the finance industry.
• How Affluent Millennials are preparing for tomorrow.
• What Affluent Millennials are looking for in a financial services provider and why it’s important to begin strengthening relationships with them today.
This document summarizes trends in wages, benefits, and unionization rates for American workers between 1965-2005. It shows that real wages, the value of the minimum wage, and union membership have all declined over this period. Meanwhile, economic insecurity has increased as a result of downsizing, mass layoffs, and restructuring. The document analyzes several potential factors for these trends, such as globalization and changes in the job market. It also discusses arguments around whether unions effectively advocate for workers' rights and higher compensation. Overall, the document examines many economic and legal issues relevant to the declining position of workers in the American economy in recent decades.
This file explains the sole causes but also the sole great solutions for the economic crisis. What is needed, is MORE money. Which can be reached in SIMPLE ways by means of my innovation for our money systems, mentioned and explained in my draft book being uploaded at www.scribd.com/wberendsen. It is the lowest file uploaded there.
Once dominated by a largely young consumer base, the Middle East and North Africa (MENA) region is at a demographic tipping point. This executive summary version of Generation BOLD, an Innovation Group MENA report, looks at over-50s in the region, who are reinventing cultural preconceptions about aging and retirement.
Millennials in the U.S.: Trends and Opportunities Surrounding Gen-Y AdultsMarketResearch.com
The document discusses trends related to Millennial consumers (ages 18-29). It notes that while Millennials have been hit hard by unemployment during the recession, they remain optimistic about the economy and have continued spending. Millennials represent nearly $1 trillion in spending power and their diversity is increasing. The report analyzes Millennial attitudes, behaviors, and opportunities for marketers to connect with this generation.
This document summarizes security devices for personal computers and networks, specifically firewalls and anti-virus programs. It discusses the types of firewalls and anti-virus software available, provides a brief history of both, and outlines typical costs for implementation. Major vendors of firewall and anti-virus solutions are also listed for both personal and corporate use.
1 hour session delivered to the Mother-Daughter Group of the National Charity League. Where does alternative aggression come from? What does it look like? What are its dangers? What can we do as women and girls?
This document provides tips for turning ideas into businesses and using social media platforms for 21st century business promotion. It encourages the reader to develop new skills, determine their unique value, and globalize their ideas. The document emphasizes that nothing is permanent except change, and those unwilling to change will fail. It suggests creating an elevator pitch and learning everyday to invest in your potential, with God's power able to far surpass all expectations. In conclusion, it provides the author's contact information across various social media platforms.
M A U M E E W A L L E Y E R I V E R R U N T I P S A N D T E C H N I Q U...julskat
This document provides tips and techniques for fishing the walleye run in the Maumee River from an experienced angler. It discusses laws and regulations, suggested gear, knots for rigging, and safety considerations. Color selection and effective retrieval techniques are also covered to help anglers have a successful and enjoyable fishing experience while following proper etiquette.
This document outlines the syllabus for a Nutrition & Dietetics department at a university. It provides the course modules, codes, credit hours, and categories for each of the 4 semesters. The modules cover topics such as chemistry, biology, nutrition, food science, and foreign language courses. Laboratory sessions are included alongside theoretical coursework for many modules. The syllabus aims to provide students with a well-rounded education covering both the scientific and practical elements of nutrition and dietetics.
This document discusses the differences between periods of economic and market conditions. It notes that in the 1970s, inflation-adjusted returns hit -75%, while the 1980s-90s saw the emergence of new technologies that drove wealth creation. Currently, interest rates are at historic lows, making equities relatively more appealing. The author argues that distinguishing periods when fundamental factors are truly different is important for investment decisions. Sometimes markets reflect collective madness, while other times data shows a real change. Investors need to recognize differences in economic environments.
Living in the Post-COVID World and Finding OpportunityAlexander Khvatov
The document discusses how the coronavirus pandemic will lead to significant and long-lasting changes in technology trends and the business world. Key impacts include a shift to remote work and online services, changes in spending on different industry sectors, and an accelerated transition to digital technologies. The crisis will have both short-term negative effects and create new opportunities for adaptation and growth in areas like healthcare, education, and online services.
Nielsen global online consumer confidence october 2011Dung Do
Global online consumer confidence fell for the seventh consecutive quarter according to Nielsen's survey. A majority of consumers now believe they are in an economic recession and are increasing their spending restraint. The top concerns were the economy and job security. If budgets contract, discretionary spending on apparel, dining out, and electronics would be reduced while savings and essentials would be prioritized. The outlook remains pessimistic in Europe and North America where many believe the recession will continue into the next year.
The document discusses how the current economic downturn is affecting digital marketing and media spending. It provides statistics showing that the economy is declining sharply, consumer confidence is low, and media and marketing budgets are expected to be flat or decrease over the next two years for the first time in over 40 years. Marketers anticipate significant cuts to their advertising budgets in response to the recession.
In 2007, BBDO published a piece of research entitled The Rituals Masters. Twelve years on, the world has changed dramatically, which has had a significant impact on our needs and on our rituals.
This document discusses reasons for slower economic growth in the US as the "new normal" compared to previous decades. It notes factors such as high household, business, and government debt levels; a more competitive global economy; demographic changes like retiring Baby Boomers; stagnant wage growth; cautious corporate behavior focused on financial engineering over hiring and investment; industry consolidation; the impact of technology in eliminating jobs; and income volatility among many workers. The document examines these trends in depth through data and examples to argue the US faces structural economic challenges compared to the post-WWII era.
12th-14th May,2020 -the FT launched The Global Boardroom, a new live-
streamed three-day event gathering "the most influential voices" from policy, business, tech and finance to offer a comprehensive picture of the global response to the Covid-19 crisis.
This LinkedIn & Ipsos study provides actionable insights on:
• How Affluent Millennials are dramatically reshaping the future of the finance industry.
• How Affluent Millennials are preparing for tomorrow.
• What Affluent Millennials are looking for in a financial services provider and why it’s important to begin strengthening relationships with them today.
This document summarizes trends in wages, benefits, and unionization rates for American workers between 1965-2005. It shows that real wages, the value of the minimum wage, and union membership have all declined over this period. Meanwhile, economic insecurity has increased as a result of downsizing, mass layoffs, and restructuring. The document analyzes several potential factors for these trends, such as globalization and changes in the job market. It also discusses arguments around whether unions effectively advocate for workers' rights and higher compensation. Overall, the document examines many economic and legal issues relevant to the declining position of workers in the American economy in recent decades.
This file explains the sole causes but also the sole great solutions for the economic crisis. What is needed, is MORE money. Which can be reached in SIMPLE ways by means of my innovation for our money systems, mentioned and explained in my draft book being uploaded at www.scribd.com/wberendsen. It is the lowest file uploaded there.
Once dominated by a largely young consumer base, the Middle East and North Africa (MENA) region is at a demographic tipping point. This executive summary version of Generation BOLD, an Innovation Group MENA report, looks at over-50s in the region, who are reinventing cultural preconceptions about aging and retirement.
Millennials in the U.S.: Trends and Opportunities Surrounding Gen-Y AdultsMarketResearch.com
The document discusses trends related to Millennial consumers (ages 18-29). It notes that while Millennials have been hit hard by unemployment during the recession, they remain optimistic about the economy and have continued spending. Millennials represent nearly $1 trillion in spending power and their diversity is increasing. The report analyzes Millennial attitudes, behaviors, and opportunities for marketers to connect with this generation.
This document summarizes security devices for personal computers and networks, specifically firewalls and anti-virus programs. It discusses the types of firewalls and anti-virus software available, provides a brief history of both, and outlines typical costs for implementation. Major vendors of firewall and anti-virus solutions are also listed for both personal and corporate use.
1 hour session delivered to the Mother-Daughter Group of the National Charity League. Where does alternative aggression come from? What does it look like? What are its dangers? What can we do as women and girls?
This document provides tips for turning ideas into businesses and using social media platforms for 21st century business promotion. It encourages the reader to develop new skills, determine their unique value, and globalize their ideas. The document emphasizes that nothing is permanent except change, and those unwilling to change will fail. It suggests creating an elevator pitch and learning everyday to invest in your potential, with God's power able to far surpass all expectations. In conclusion, it provides the author's contact information across various social media platforms.
M A U M E E W A L L E Y E R I V E R R U N T I P S A N D T E C H N I Q U...julskat
This document provides tips and techniques for fishing the walleye run in the Maumee River from an experienced angler. It discusses laws and regulations, suggested gear, knots for rigging, and safety considerations. Color selection and effective retrieval techniques are also covered to help anglers have a successful and enjoyable fishing experience while following proper etiquette.
This document outlines the syllabus for a Nutrition & Dietetics department at a university. It provides the course modules, codes, credit hours, and categories for each of the 4 semesters. The modules cover topics such as chemistry, biology, nutrition, food science, and foreign language courses. Laboratory sessions are included alongside theoretical coursework for many modules. The syllabus aims to provide students with a well-rounded education covering both the scientific and practical elements of nutrition and dietetics.
This document provides information about the Irish poet Seamus Heaney. It includes a short biography of Heaney, noting he was born in 1939, published his first book of poems in 1965, and won the Nobel Prize in Literature in 1995. The document also contains Heaney's poem "Follower" along with analysis and discussion questions about the poem.
The document lists some dream companies for the author including BMW, HUL, Jindal Steel, and TCS. It then outlines various analysis and tools the author will use to analyze the dream companies, including charting laws of demand, forecasting with Weka and SPSS, using Google Forms, COMFAR for loan approval, break even point analysis, control charts with SAS, pie charts and global market share analysis with Tableau, and financial data crawling with R. The author thanks the reader at the end.
El documento describe el grafiti desde una perspectiva antropológica. Explica que los primeros grafitis fueron pinturas rupestres realizadas por los hombres primitivos en cavernas y paredes de piedra para expresar aspectos de sus sociedades. También analiza ejemplos actuales de grafiti en Estados Unidos como una forma de expresión de grupos urbanos que representa una actividad clandestina y surgió a fines de los años 60 en el subterráneo de Nueva York.
This document provides an overview of the social studies curriculum for the school year. It will cover various regions of the world, including Europe, Canada, Latin America, and Australia. Assessment will include interim tests, homework, classwork, quizzes, and exams. Grades will be weighted based on these assessments. Criteria for promotion to the 6th grade require passing averages in at least 4 out of 5 classes, with language arts and math being mandatory passes for each semester and school year.
Este documento compara el uso de clavos versus placas en el tratamiento de fracturas diafisiarias del húmero. Presenta varios estudios que muestran que no hay diferencias estadísticamente significativas entre los métodos en términos de lesión del nervio radial, sangrado, tiempo de curación y riesgo de infección. Sin embargo, algunos estudios encontraron que las placas podrían conducir a menos complicaciones como malrotación ósea, molestias en el hombro y tiempos de consolidación más cortos. El documento también analiza vari
The document defines key terms related to Latin America, including:
- The Panama Canal, which connects the Atlantic and Pacific Oceans across the Isthmus of Panama.
- Major geographic features like the Amazon River, Andes Mountains, and Sierra Madre Mountains.
- Cultural concepts such as culture, diversity, region, ethnic group, and the Columbian Exchange between Europe and the Americas.
- Demographic terms including mestizo, literacy rate, and prominent pre-Columbian civilizations like the Aztecs and Incas.
Este documento proporciona consejos sobre la evaluación ortopédica en niños. Resalta la importancia de establecer confianza, realizar un examen físico completo, y considerar múltiples causas para dolor, deformidad o disfunción, incluyendo condiciones sistémicas. También recomienda el uso juicioso de radiografías e imágenes adicionales para llegar a un diagnóstico y tratamiento adecuados.
El insomnio es el desorden del sueño más común. Se caracteriza por dificultad para iniciar o mantener el sueño, o la sensación de no haber tenido un sueño reparador. Puede causar fatiga, mal humor, y problemas de atención durante el día. El insomnio es más prevalente en mujeres, personas mayores, y aquellos con condiciones médicas o trastornos psiquiátricos. Una evaluación completa busca identificar factores que precipitan o perpetúan el insomnio.
Three types of government and who has the power 2011 12HeatherP
There are four main forms of government: autocracy, democracy, oligarchy, and republic. In an autocracy, one ruler has absolute power, such as a dictator or absolute monarch. A democracy allows citizens to vote on leaders and policies. An oligarchy concentrates power among a small group of people. A republic is a form of government where citizens elect representatives, and there is a separation of executive, legislative, and judicial powers.
The document discusses the emergence of "The New Frugal" attitude towards spending and saving among Australians. It describes how high household debt levels, financial insecurity, and rising costs have led many to feel increased financial pressure. The coronavirus pandemic has further exacerbated these issues and accelerated the new frugal mindset. The New Frugal approach involves cutting out unnecessary spending, finding smarter ways to afford important purchases through bargain hunting and price comparisons, and increasing savings to feel more financially secure. This shift will mean people are more price sensitive and focus on essentials, leading organizations to emphasize value and lower costs.
The document discusses tensions between fear and hope in today's global culture, with some economies and individuals driven more by fear and pessimism while others embrace optimism. It also examines related trends like renewed focus on self-reliance, simplicity, connectivity through social networks, generosity, and rebuilding trust through understanding and flexibility.
Preparing For The 21st Century Installment IiAnthony Vincent
The document discusses the economic downturn as representing a new global business order rather than a typical cycle. It notes that this recession is the worst since World War II globally and in the US. While the US and European economies remain weak, China and South Korea have rebounded through rapid policy intervention. The rules of the global economy are changing, and businesses must adapt to remain competitive in this "New World Order." The document argues that many countries now desire American standards of living, putting pressure on the US economy.
In a year where the global economic crisis has made its presence felt, Mintel predicts the seven key consumer behaviour trends for the year ahead, looking at how adversity has created a new set of value systems.
While in 2009 fear played an important role in shaping consumer behaviour, 2010 will see a return of confidence and adaptation to overcome the restraints previously imposed on consumers.
Learn how the following trends are evolving:
Resilience
Reviewing and Re-evaluating
Prove it – Accountability
Escapism
Media Evolution
Ethical Responsibility
Stability
CEI’s Values Based Communications Project
Our Challenge: Make Good Policy Good Politics
Our Question: Just because we’re right, do we have to lose?
CEI’s communication work suggests the answer should be a resounding NO!
Capitalism creates a massive middle class
Produces entrepreneurs and intellectuals
Intellectuals criticize (envy) and de-legitimize entrepreneurs
Culture grows skeptical of business, support for government intervention grows.
Wealth creation suffers, individuals suffer.
The document discusses the growing market of older consumers and recommendations for engaging them effectively. It notes that older adults currently spend over £97 billion annually and will account for 25% of the consumer market by 2030. However, many companies ignore or stereotype older adults, missing business opportunities. The document provides dos and don'ts, advising companies to consider older adults' diverse needs and interests, understand barriers beyond money, and ensure accessibility through inclusive design and good customer service.
This document outlines ten principles of economics from an economics textbook. It discusses the principles in three categories: how people make decisions, how people interact, and how the overall economy works. Some of the key principles covered are that people face tradeoffs, the cost of something is what you give up to get it, markets are generally a good way to organize economic activity, and a country's standard of living depends on its productivity.
This document discusses strategies for digital marketers to survive an economic downturn. It begins by providing context on the current economic crisis and forecasts that predict declines in consumer spending and media budgets. Marketers report anticipated cuts to their budgets over the next year and a half. Specifically, 53% expect decreases in the next 6 months, rising to 70% in a year. However, the document argues marketers should continue investing in marketing during recessions. It outlines seven strategies, such as reallocating budgets, optimizing media buys, and reinforcing brands, that can help companies survive and possibly thrive during difficult economic times through digital marketing tactics.
The document discusses how businesses and brands can benefit from adopting a social purpose and engaging in mutually beneficial marketing with consumers. It cites survey findings that over 80% of consumers feel it is important for companies to support good causes even during recessions. The document provides examples of companies like General Mills and its Box Tops for Education program that have seen commercial gains from cause marketing. It argues that adopting a clear social purpose can help differentiate brands and foster stronger emotional connections and loyalty with conscious consumers.
This chapter introduces the key principles of economics. It discusses that economics addresses how societies manage scarce resources through decisions made by individuals and firms. The chapter outlines the principles of how people make decisions, how people interact through markets and trade, and how the overall economy functions. The principles covered are: people face tradeoffs; opportunity cost is the relevant cost; rational people think at the margin; people respond to incentives; trade can make all parties better off; markets are generally efficient but governments can address market failures; productivity drives living standards; inflation is caused by too much money printing; and societies face a short-run tradeoff between inflation and unemployment.
Bcg Winning Consumers Through Downturn Apr 2009Claudio Diniz
Consumers around the world are experiencing high anxiety about the economic downturn, fueling a vicious cycle of spending cuts that risk deepening the recession. Most consumers are curtailing spending in anticipation of hardship rather than from real financial problems currently. This anxiety has spread globally and is driving new emotions and behaviors as consumers adopt strategies like trading down to find value. De-averaging analysis is needed since impacts vary by category, region, and consumer segment.
This chapter introduces some of the key principles of economics. It discusses that economics addresses questions about how societies manage scarce resources. It explores four main principles: how people make decisions, how people interact, how markets usually provide a good way to organize economic activity, and how governments can sometimes improve market outcomes. The chapter provides examples and discussion of opportunity costs, incentives, trade, and the role of prices in allocating resources. It also addresses how a country's standard of living depends on its ability to produce goods and services.
The document summarizes findings from BCG's 2011 worldwide survey on consumer sentiment. Key findings include:
1) Despite signs of economic recovery, more consumers report feeling the impact of the downturn in 2011 compared to 2010, with anxiety levels rising in many countries.
2) Approximately 90% of respondents in developed countries plan to reduce or maintain spending in the next 12 months, with the exception being emerging markets like China.
3) Consumers continue prioritizing value and deals when shopping, and are open to private label brands and trading down to less expensive options for an emotional boost.
1. The document discusses how companies are increasingly integrating social purpose into their marketing and business strategies to build trust with consumers and mutual benefits for both businesses and society.
2. Recent surveys find that consumers expect companies to play a greater role in social issues and prioritize social causes over profit or shareholder value.
3. The concept of "mutual social responsibility" is emerging as companies and consumers work together to drive positive social change through partnerships and participation.
What would life be like if you could get to the essence of who you are and what you believe? In other words, why do you do the things you do? What if you could focus on doing what you are best at and love to do the most?
Post Covid-19: A BBH briefing to marketing leadersHarry Guild
Our first briefing on COVID was about how to keep trading as we headed into the crisis. In this briefing, we look at how to plan for the other side. In short, how to emerge well.
We cannot see into the future. Instead, we would always argue for a data-led position gilded with imaginative possibilities. While we outline how new spending attitudes and altered routes to market will affect the near-term, more broadly than that, this is a moment in time to make brands better for people. We should grasp that.
We cannot see into the future, but we can help invent it.
This document discusses reasons for studying economics. It begins by noting that economics addresses important problems in areas like unemployment, trade, the environment and inflation. Studying economics helps understand the world by explaining topics like prices, earnings, wages and economic growth. It also equips students to participate successfully in the global economy by making better choices. Additionally, economics provides insight into government policies in areas such as taxation, trade and monetary policy. Overall, studying economics provides tools for understanding many aspects of individual, business and government decision-making.
This document discusses reasons for studying economics. It begins by noting that economics addresses important problems in areas like unemployment, trade, the environment and inflation. Studying economics helps understand the world by explaining topics like prices, earnings, inequality and economic growth. It also equips students to participate successfully in the global economy by making better choices. Additionally, economics provides insight into government policies in areas such as taxation, trade and monetary policy. Overall, studying economics builds analytical skills that are useful for understanding many real-world issues.
This document discusses how consumers have changed their spending habits due to economic pressures. Consumers are now purchasing more carefully and looking for multipurpose, long-lasting products that provide good value. They want products that will enhance their image and save them money over time. The recession has caused people to re-evaluate all purchases and seek ways to reduce costs. Manufacturers must design products that meet these new demands to attract customers.
The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This presentation is a curated compilation of PowerPoint diagrams and templates designed to illustrate 20 different digital transformation frameworks and models. These frameworks are based on recent industry trends and best practices, ensuring that the content remains relevant and up-to-date.
Key highlights include Microsoft's Digital Transformation Framework, which focuses on driving innovation and efficiency, and McKinsey's Ten Guiding Principles, which provide strategic insights for successful digital transformation. Additionally, Forrester's framework emphasizes enhancing customer experiences and modernizing IT infrastructure, while IDC's MaturityScape helps assess and develop organizational digital maturity. MIT's framework explores cutting-edge strategies for achieving digital success.
These materials are perfect for enhancing your business or classroom presentations, offering visual aids to supplement your insights. Please note that while comprehensive, these slides are intended as supplementary resources and may not be complete for standalone instructional purposes.
Frameworks/Models included:
Microsoft’s Digital Transformation Framework
McKinsey’s Ten Guiding Principles of Digital Transformation
Forrester’s Digital Transformation Framework
IDC’s Digital Transformation MaturityScape
MIT’s Digital Transformation Framework
Gartner’s Digital Transformation Framework
Accenture’s Digital Strategy & Enterprise Frameworks
Deloitte’s Digital Industrial Transformation Framework
Capgemini’s Digital Transformation Framework
PwC’s Digital Transformation Framework
Cisco’s Digital Transformation Framework
Cognizant’s Digital Transformation Framework
DXC Technology’s Digital Transformation Framework
The BCG Strategy Palette
McKinsey’s Digital Transformation Framework
Digital Transformation Compass
Four Levels of Digital Maturity
Design Thinking Framework
Business Model Canvas
Customer Journey Map
Taurus Zodiac Sign: Unveiling the Traits, Dates, and Horoscope Insights of th...my Pandit
Dive into the steadfast world of the Taurus Zodiac Sign. Discover the grounded, stable, and logical nature of Taurus individuals, and explore their key personality traits, important dates, and horoscope insights. Learn how the determination and patience of the Taurus sign make them the rock-steady achievers and anchors of the zodiac.
Structural Design Process: Step-by-Step Guide for BuildingsChandresh Chudasama
The structural design process is explained: Follow our step-by-step guide to understand building design intricacies and ensure structural integrity. Learn how to build wonderful buildings with the help of our detailed information. Learn how to create structures with durability and reliability and also gain insights on ways of managing structures.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Anny Serafina Love - Letter of Recommendation by Kellen Harkins, MS.AnnySerafinaLove
This letter, written by Kellen Harkins, Course Director at Full Sail University, commends Anny Love's exemplary performance in the Video Sharing Platforms class. It highlights her dedication, willingness to challenge herself, and exceptional skills in production, editing, and marketing across various video platforms like YouTube, TikTok, and Instagram.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....Lacey Max
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
3 Simple Steps To Buy Verified Payoneer Account In 2024SEOSMMEARTH
Buy Verified Payoneer Account: Quick and Secure Way to Receive Payments
Buy Verified Payoneer Account With 100% secure documents, [ USA, UK, CA ]. Are you looking for a reliable and safe way to receive payments online? Then you need buy verified Payoneer account ! Payoneer is a global payment platform that allows businesses and individuals to send and receive money in over 200 countries.
If You Want To More Information just Contact Now:
Skype: SEOSMMEARTH
Telegram: @seosmmearth
Gmail: seosmmearth@gmail.com
2. “ Over the past few weeks, I’ve had a chance to speak with senior economic policy makers in America and Germany and I think I’ve figured out where we are. It’s like this: Things are getting better, except where they aren’t. The bailouts are working, except where they’re not. “ Things will slowly get better, unless they slowly get worse. We should know soon, unless we don’t. (“Really Unusually Uncertain, “ Thomas Friedman, The New York Times, 08.18.10) 2
3. 3 An Uncertain New World Conventional Wisdom Upended Divergence and Consensus The Future Will Be Social In Search of Fairness Implications for Capella
4. 4 An Uncertain New World Conventional Wisdom Upended Divergence and Consensus The Future Will Be Social In Search of Fairness Implications for Capella
11. 7 Uncertainty unleashed 38% Today 52% 52% (Among work full/part time) Could easily find a new job if you discovered you no longer had a job with current employer 2009 2008 Agree: “feel more exposed to the possibility of losing everything than I did a year ago” Capella Segments Total CLE 38% 43% TAUA EATS 38% 38% HATS 37%
12. 8 The Era of Responsibility is here What may have worked during an era of indulgence can no longer work today Every buying decision has a consequence associated with it; consumers realize they must make tradeoffs in order to survive Consumers realize we all played a part in the overindulgent world in which we lived, and now it’s time to pay the piper Since 2008, consumers have focused on Responsibility as the watchword of their lives Living within their means, not above (or below) them Thinking big picture, longer-term Separating needs from wants Assessing consequences of all decisions Rethinking their appropriate path forward
13. This is unlike previous recessions “Consumers are returning to the marketplace in ways that defy simplistic conventional wisdom… Prioritization has replaced accumulation as consumer’s primary shopping style…consumers do not have the financial wherewithal they used to have, but they have not given up their aspirations to the good life…most of their expenditures are fixed, so there is no financial adjustment that can free up significant additional funds…prioritization is the only financial strategy that can simultaneously enable consumers to spend to stay afloat.” (“First Things First,” The Futures Company Finance and Spending View, 05.27.10)
14. 10 Prioritization requires tradeoffs, and the CLE segment leads the way on this more disciplined approach Partial list
15. Do not mistake Prioritization for Frugality, however There have been two popular views on the Recovery put forth by “experts”...we don’t happen to agree with either one The New Frugality Ready to Rebound Penny-pinching and thrift will define the consumer mindset Acquisitive, materialistic consumers will pick up where they left off Consumers will spend money when they deem a marketplace offering to be of value, but will manage and monitor their spending given the new context of Responsibility and Prioritization
16. The ‘schizophrenic economy’ “ Americans are broke – and depressed – and also swilling $3 lattes and waiting in line for iPhones. Welcome to the schizophrenic economy (“The New Abnormal,” Business Week. 07.29.10) 68% “ Today Agree: “Sometimes I just need to treat myself to something nice/fun even if I have to tighten up my budget in other places” 12 (Yankelovich MONITOR 2010 Finances & Spending Lens)
17. 13 Luxury shoppers return to stores in surprising numbers “On October 14th Moët Hennessy Louis Vuitton (LVMH), the world’s biggest luxury-goods company by sales, reported a 14% increase in sales in the first nine months of the year, after correcting for such factors as currency fluctuation. Burberry, a British clothing firm, also reported double-digit sales growth in the six months to the end of the September. On October 28th, PPR, a French retail and luxury group, is expected to report strong results. “The strength of the recovery was a surprise,” says Claudia D’Arpizio, a luxury-goods expert in the Milan office of Bain & Company, a consultancy. Big brands such as Louis Vuitton and Hermès are the main winners. With their deep pockets, they were able to continue to open new shops and invest in the business during the crisis.” (“Bling is Back: A Surprising Recovery in Luxury Goods”, The Economist, 10.21.2010)
18. Prioritization: electronics a winner 14 “After pouring money into all aspects of their homes during the previous decade, consumers are redirecting their purchases to eye-grabbing technology and socking away more of what's left over into savings. Apparel company executives are worried the lure of electronics will eat into their sales as the back-to-school season gets under way. Outlays for televisions, computers, video and telephone equipment grew 1.8% in the first six months of this year, compared to the first half of pre-recession 2007, the Commerce Department said Tuesday. By comparison, spending on appliances decreased 3.6% during the same period, and spending on furniture decreased 11% during that time." (“Tech Gadgets Steal Sales from Appliances, Clothes”, Wall Street Journal Online, 08.03.2010)
19. ‘Haves’ and ‘have nots’ creating a disjointed recovery “Purchases of TVs, jewelry, recreational vehicles and pet supplies are growing robustly, government data show. At the same time, spending on medical care, day care and education is down in the dumps. ‘The rising tide isn't lifting all boats,’ says Carl Steidtmann, chief economist at the Deloitte accounting and consulting firm and author of an index tracking consumer spending. [M]ore than one-third of the 350 spending categories tracked by the government remain in decline, as if the recession that technically ended in June 2009 was still underway. Consumers are spending less on prescription drugs, life insurance and a wide range of everyday essentials while spending more on watches, wine and toys. (“Luxury Buying on Rise, As Jobless Not Spending,” USA Today, 10.27.10)
20. Consumers Seek Luxury at Home but Want “Bang for the Buck” with Wine Purchases 16 Millions of Gallons Billions of $ Year Year *Source: Wine Institute - http://www.wineinstitute.org/resources/pressroom/04082010 While overall consumption rose, “Bang for the buck has clearly become a more important consideration for thewine-buying public…The only big losers in 2009 were those wineries that depended on restaurants for much of their business. Their sales decreased up to 9 percent as more consumers stayed home and fewer business trips were taken." (U.S. Wine Sales Decrease Despite Bad Economy, The Orange County Register - http://fastfood.ocregister.com/2010/08/13/u-s-wine-sales-increase-despite-bad-economy/69777/)
21. A risky, uncertain world means a more deliberate, thoughtful, ‘prove it to me’ consumer evaluating Capella in the context of all other buying decisions Consumers are scrutinizing all aspects of their lives — particularly any decision with a high level of risk, importance, or uncertainty Provide a guaranteed return; eliminate the risk of a bad choice Consumers are increasingly looking for certainty and safety How can Capella make a prospective student feel like they’re mitigating the risk associated with such an important decision? Expect the Free Online Seminar to be heavily tested You’re not just competing against other online programs; your competing across categories Consumers in Prioritization mode realize they cannot have it all and may be trading off one category for another
22. 18 An Uncertain New World Conventional Wisdom Upended Divergence and Consensus The Future Will Be Social In Search of Fairness Implications for Capella
23. Conventional wisdom upended Economic hardship is only one catalyst at work; many rules seem designed for a different era 19
24. Conventional wisdom upended Children not required 41 percent of Americans say having children is necessary to a good marriage, compared to 65 percent in 1990 (Pew Research Center, 2007) 20
25. Conventional wisdom upended Women “out-earning and out-learning” men “In 1970, 28% of wives in this age range (30-44) had husbands who were better educated than they were, outnumbering the 20% whose husbands had less education. By 2007, these patterns had reversed: 19% of wives had husbands with more education, versus 28% whose husbands had less education. In the remaining couples — about half in 1970 and 2007 — spouses have similar education levels.” (“Women Out-earning and Out-learning Men in More Couples,”The Los Angeles Times. 01.20.10) 21
26. Conventional wisdom upended (Among 30-44) Share of husbands whose wives’ income tops theirs (Among 30-44) Among married women, which spouse has more education? Notes: Includes only native-born 30-44 year-olds. Source: Pew Center and Decennial Censuses and 2007 American Community Survey (ACS) Integrated Public Use Micro Samples (IPUMS) 22
27. 23 An Uncertain New World Conventional Wisdom Upended Divergence and Consensus The Future Will Be Social In Search of Fairness Implications for Capella
28. 24 The future will be social With people more and more deeply embedded in narrowly drawn networks of information and influences, contextual reference points play a bigger, frequently dominating role, in shaping opinions and choices
29. The future will be social Top 10 sectors by share of internet time Source: The Nielsen Company. 25
30. 26 The future will be social Redefining the objective The digital future… The analog past… Marketers must strive to get talked about Marketers strove to be heard Share of conversation Share of voice
42. Social stream**” ‘Information is becoming less of a destination that we seek on line’,” says Anthony J.Rotolo, assistant professor of practice in the School of Information Studies at Syracuse University. “Instead we are expecting it to come to us in a social stream’,”The New York Times, 08.12.10)