1) The document is a keynote presentation about innovation given by Gregg Fraley, author of Jack's Notebook. It discusses the challenges of innovation and provides strategies for overcoming them.
2) Fraley outlines the "Four P's" that are important for innovation - People, Product, Process, and Press. He emphasizes the importance of having the right people and culture to foster innovation.
3) Fraley advocates using a structured creative problem solving process like CPS to approach innovation in a deliberate yet spontaneous way. Idea management systems can also help streamline the innovation process.
Here you get a look at my current thoughts on innovation through a presentation that I will give tomorrow at the Turkey Innovation Week, where I am one of the keynote speakers.
It is a long talk – 1 hour – so I have compiled lots of content in this presentation. Yes, it might even have too many messages, but I hope the participants at the conference as well as those of you, who are just checking out the presentation, can find some inspiration in it without feeling overloaded with information.
Some of the topics I get into are:
• The current state of innovation and the global megatrends that impacts it
• A definition on open innovation and the benefits that come along with it
• Innovation as a career choice – what you need to succeed for this
• My perception of innovation in Turkey (not elaborated, just one case)
• How intrapreneurship can bring together idea and people management
I hope you find it worthwhile your time.
We are proud to announce our thirtieth Innovation Excellence Weekly for Slideshare. Inside you'll find ten of the best innovation-related articles from the past week on Innovation Excellence - the world's most popular innovation web site and home to 5,000+ innovation-related articles.
Be Competitively Unpredictable! - Make it happen with innovationStefan Lindegaard
Competitively unpredictable: two words that spell the key to success in today’s fast paced, highly competitive business arena. If your company has the ability to consistently outmaneuver the competition in ways they never see coming, then the future is bright.
Why is being competitively unpredictable so essential now? One key reason is the ever-shrinking window of opportunity. In the past decades, depending on your industry, you could count on having three or five or even seven years after bringing something new to market to make good money before you needed to come up with the next new thing to keep revenues growing.
This is no longer the case. While the pace of innovation used to be fast but still manageable, now the window of opportunity is getting shorter and moving faster so you’re forced to innovate ever faster. One of the best examples is the mobile phone industry where they are now counting in months.
Open innovation and business model innovation are key concepts for becoming competitively unpredictable and in this session Stefan Lindegaard shares his views on how companies can embrace these concepts in order to bring better innovation to market faster.
Specifically, he provides:
• an overview of the current state of innovation and what the future will bring us
• examples on how leading-edge companies merge open innovation and business model innovation
• insights on why companies must embrace failure for better innovation
• insights on how companies can use social media for their innovation efforts
Innovation is Everyone´s Responsibility and Why Innovation MattersStefan Lindegaard
Innovation is Everyone´s Responsibility and Why Innovation Matters
Here you get my slides from a recent presentation in Turkey where I was asked to provide perspectives on innovation through two important questions / lenses:
Why innovation matters? My key message is that innovation matters if your company wants to stay relevant – and survive. It is that simple. Just consider this piece of information:
At the current churn rate, 75% of the S&P 500 firms in 2011 will be replaced by new firms entering the S&P500 in 2027. There is so much change and it is happening so fast. Innovation can mean many things, but it is a general understanding that it helps you fight irrelevance and helps you drive change rather than becoming a victim of it.
Innovation is everyone´s responsibility. I work with innovation on three levels; incremental, radical and “in between”. The latter is often the most relevant because it can really change things and have a strong impact while companies have a good chance of succeeding with this with the right setup, processes and people. Radical or disruptive innovation is highly desirable, but it is also very difficult to achieve. It requires a lot of luck as well as the right framework and conditions for this luck to happen. Very few organizations succeeds here.
While everyone in an organization should contribute to incremental innovation, I don´t think everyone should work with radical or “in between” innovation – at the same time that is. Most people just have to focus on the getting their daily jobs done. However, every employee should be given an opportunity to contribute to radical and “in between” innovation through corporate programs that could be based on the concept of intrapreneurship, incubators, accelerators or something similar.
When it comes to getting people to understand that everyone actually can contribute to all three levels of innovation, I like to use the Ten Types of Innovation framework by Doblin as it is a simple and visual concept that can open the eyes of the “unusual suspects” when it comes to innovation contribution.
Well, check my slides and let me know what you think. I am of course open for discussing a session or talk near you :-)
Creativity is a learned skills. Innovators learn to be more creative by focusing their time and efforts in 5 important discovery skills. A company can also shape their ability to be more innovative through a proper framework. Learn more from Innovation gurus, Jeff Dyer, Hal Gregersen and Clayton M. Christensen.
Here you get a look at my current thoughts on innovation through a presentation that I will give tomorrow at the Turkey Innovation Week, where I am one of the keynote speakers.
It is a long talk – 1 hour – so I have compiled lots of content in this presentation. Yes, it might even have too many messages, but I hope the participants at the conference as well as those of you, who are just checking out the presentation, can find some inspiration in it without feeling overloaded with information.
Some of the topics I get into are:
• The current state of innovation and the global megatrends that impacts it
• A definition on open innovation and the benefits that come along with it
• Innovation as a career choice – what you need to succeed for this
• My perception of innovation in Turkey (not elaborated, just one case)
• How intrapreneurship can bring together idea and people management
I hope you find it worthwhile your time.
We are proud to announce our thirtieth Innovation Excellence Weekly for Slideshare. Inside you'll find ten of the best innovation-related articles from the past week on Innovation Excellence - the world's most popular innovation web site and home to 5,000+ innovation-related articles.
Be Competitively Unpredictable! - Make it happen with innovationStefan Lindegaard
Competitively unpredictable: two words that spell the key to success in today’s fast paced, highly competitive business arena. If your company has the ability to consistently outmaneuver the competition in ways they never see coming, then the future is bright.
Why is being competitively unpredictable so essential now? One key reason is the ever-shrinking window of opportunity. In the past decades, depending on your industry, you could count on having three or five or even seven years after bringing something new to market to make good money before you needed to come up with the next new thing to keep revenues growing.
This is no longer the case. While the pace of innovation used to be fast but still manageable, now the window of opportunity is getting shorter and moving faster so you’re forced to innovate ever faster. One of the best examples is the mobile phone industry where they are now counting in months.
Open innovation and business model innovation are key concepts for becoming competitively unpredictable and in this session Stefan Lindegaard shares his views on how companies can embrace these concepts in order to bring better innovation to market faster.
Specifically, he provides:
• an overview of the current state of innovation and what the future will bring us
• examples on how leading-edge companies merge open innovation and business model innovation
• insights on why companies must embrace failure for better innovation
• insights on how companies can use social media for their innovation efforts
Innovation is Everyone´s Responsibility and Why Innovation MattersStefan Lindegaard
Innovation is Everyone´s Responsibility and Why Innovation Matters
Here you get my slides from a recent presentation in Turkey where I was asked to provide perspectives on innovation through two important questions / lenses:
Why innovation matters? My key message is that innovation matters if your company wants to stay relevant – and survive. It is that simple. Just consider this piece of information:
At the current churn rate, 75% of the S&P 500 firms in 2011 will be replaced by new firms entering the S&P500 in 2027. There is so much change and it is happening so fast. Innovation can mean many things, but it is a general understanding that it helps you fight irrelevance and helps you drive change rather than becoming a victim of it.
Innovation is everyone´s responsibility. I work with innovation on three levels; incremental, radical and “in between”. The latter is often the most relevant because it can really change things and have a strong impact while companies have a good chance of succeeding with this with the right setup, processes and people. Radical or disruptive innovation is highly desirable, but it is also very difficult to achieve. It requires a lot of luck as well as the right framework and conditions for this luck to happen. Very few organizations succeeds here.
While everyone in an organization should contribute to incremental innovation, I don´t think everyone should work with radical or “in between” innovation – at the same time that is. Most people just have to focus on the getting their daily jobs done. However, every employee should be given an opportunity to contribute to radical and “in between” innovation through corporate programs that could be based on the concept of intrapreneurship, incubators, accelerators or something similar.
When it comes to getting people to understand that everyone actually can contribute to all three levels of innovation, I like to use the Ten Types of Innovation framework by Doblin as it is a simple and visual concept that can open the eyes of the “unusual suspects” when it comes to innovation contribution.
Well, check my slides and let me know what you think. I am of course open for discussing a session or talk near you :-)
Creativity is a learned skills. Innovators learn to be more creative by focusing their time and efforts in 5 important discovery skills. A company can also shape their ability to be more innovative through a proper framework. Learn more from Innovation gurus, Jeff Dyer, Hal Gregersen and Clayton M. Christensen.
Design Thinking for Disruptive Innovation - Burton Lee - Kyiv - Oct 13 2015 -...Burton Lee
Talk given in Kyiv on October 13 on the subject of 'Design Thinking for Disruptive Innovation', at the Fedoriv Hub. Host: Bionic University. Speaker: Burton Lee, Stanford Dept of Mechanical Engineering, Center for Design Research.
Website: www.StanfordEuropreneurs.org
Twitter: @Europreneurs
This lecture focuses on providing an overview of the design thinking process. Students will apply this concept to building a business model around their entrepreneurial idea.
http://www.socialentrepreneurship.ca/aps1015h/
Lean Startup & Corporate Innovation Strategies - April 2015Kevin Shutta
Intro to Lean Startup and insight into the barriers and strategies for corporate innovation. Corporate Innovation inspired by Trevor Owens, CEO of Lean Startup Machine.
Project Management experiences, do's and don'tsTapio Järvenpää
PM Club Tampere hosted an event focused in project experiences. I shared learnings from my quarter of a century career in project management.
Good discussions. The event ended with little workshopping where attendees analysed tops and flops of project work.
My presentation has 3 parts:
1) Typical failure mechanisms or trigger points in project execution:
- vision not shared
- vision not understood
- corporate rules and policies
- problem solving by acquiring licenses
- team dynamics
- organisational misalignment
- complicated, fat governance model
2) Weaknesses or even destructive steering group work
- old working paradigms compared to actual project methods
- too long, didn't read; highest paid persons opinion
- indecisiveness
- no will to reset red traffic light, no clue how to improve situation
- surprises during meetings
- conflicts of interest slowing down project work
3) Keys to success:
- progress and development is not linear
- minimum viable product strategy accelerates learning
- there are always viable work arounds
- change adaptation is function of time
- projects need to be connected to external world, use simple and visual tools
- test your ideas, pivot one factor of your hypothesis at a time
- Deming's P-D-C-A is an useful tool for learning too
- steering group is responsible of enabling project success, one of the main tools is risk mitigation by stopping potential domino effects - risks are not isolated by nature
- skunkworks principles are still valid
Culture Hacking — Subversive And Intentional Innovation Capability Building F...Jan Schmiedgen
My talk from the IRDG Design Thinking Conference 2018:
These days design thinking is in high demand with top leadership. But often it’s just the outcomes — the innovation — management wants, less so the organizational change that comes attached with a comprehensive methodology and mindset. Why? The former is ‘sexy’ and brings money, the latter is annoying and might need investment at the outset. So, for many innovators and intrapreneurs the question is: how can we establish a design thinking practice sustainably, even with just ‘lip-service leadership support’? Jan’s talk will look into that topic by showcasing a range of inspiring examples of deliberate and subversive (culture hack) innovation capability building.
We pitched this presentation on 24 June 2016 in K22 in Ghent. It describes what W4P has become, our process in making it, what you can do with this Open Source template and a brief overview of the first pilots, including their wins and fails.
Over the last couple of years I've talked a lot on Design Thinking, Design in general and Service Design.
This presentation is my incomplete story on the topic, with storyline.
Hope you like it, love your comments...
I developed this workshop for a group of Crashers through the Cooperative Trust at the ACUC (America's Credit Union Conference) in San Diego in June of 2012. Our goal was to better understand and develop concepts to serve the unbanked and underbanked in our society. http://trust.coop/what-we-do/
What happens when an organisation commits itself to 'humanity above bureaucracy'?
Bureaucracy and traditional power structures hinder organisations from harnessing the power of their employees, their intelligence, ideas and passions.
New models seem necessary to build a truly human organisation, one that balances scale and speed, efficiency and creativity, control and experimentation.
The Innovation Trap (and Antidote) from Lean StartupEnabled
The mantra nowadays: Move fast & break things. Is fast always good? To avoid the innovation trap, Lean Startup & Jobs To Be Done should go together.
Full blog post at: http://blog.enabled.com.au/innovation-trap-lean-startup
Challenging innovation myths is the first step to adopting a wider perspective that will allow anyone in your organization to innovate. This fast-paced, multi-modal experience will engage you to learn more about innovation thinking, while exploring assumptions, and building innovation strategies and synergy to achieve breakthrough results. Together we will bust FIVE common innovation myths and open the door to greater opportunity!
We wrote this to give you a sense of IDEO’s culture—the ties that bind us together as coworkers and as people.
Read more: http://blog.slideshare.net/2014/01/08/culturecode-what-makes-a-company-great/
Ignite your strategic thinking mit innovation labAlan Scrase
IGNITE your…. strategic thinking
Presenter – Dr. Dave Richards, experienced and highly successful serial entrepreneur, innovator and master strategist, will be presenting on
“The MIT Innovation Lab: 5 key Learnings”
Dr Dave is an inspirational speaker, adviser, author and globally recognised thought leader.
He is honorary visiting Fellow with the Faculty of Management, Cass Business School, City University, London, co-founder and honorary lifetime member of the Massachusetts Institute of Technology Innovation Lab, Fellow of the Institute of Directors and the Royal Society for the Encouragement of the Arts, Manufactures & Commerce as well as adviser to a variety of business and government leaders.
Design Thinking for Disruptive Innovation - Burton Lee - Kyiv - Oct 13 2015 -...Burton Lee
Talk given in Kyiv on October 13 on the subject of 'Design Thinking for Disruptive Innovation', at the Fedoriv Hub. Host: Bionic University. Speaker: Burton Lee, Stanford Dept of Mechanical Engineering, Center for Design Research.
Website: www.StanfordEuropreneurs.org
Twitter: @Europreneurs
This lecture focuses on providing an overview of the design thinking process. Students will apply this concept to building a business model around their entrepreneurial idea.
http://www.socialentrepreneurship.ca/aps1015h/
Lean Startup & Corporate Innovation Strategies - April 2015Kevin Shutta
Intro to Lean Startup and insight into the barriers and strategies for corporate innovation. Corporate Innovation inspired by Trevor Owens, CEO of Lean Startup Machine.
Project Management experiences, do's and don'tsTapio Järvenpää
PM Club Tampere hosted an event focused in project experiences. I shared learnings from my quarter of a century career in project management.
Good discussions. The event ended with little workshopping where attendees analysed tops and flops of project work.
My presentation has 3 parts:
1) Typical failure mechanisms or trigger points in project execution:
- vision not shared
- vision not understood
- corporate rules and policies
- problem solving by acquiring licenses
- team dynamics
- organisational misalignment
- complicated, fat governance model
2) Weaknesses or even destructive steering group work
- old working paradigms compared to actual project methods
- too long, didn't read; highest paid persons opinion
- indecisiveness
- no will to reset red traffic light, no clue how to improve situation
- surprises during meetings
- conflicts of interest slowing down project work
3) Keys to success:
- progress and development is not linear
- minimum viable product strategy accelerates learning
- there are always viable work arounds
- change adaptation is function of time
- projects need to be connected to external world, use simple and visual tools
- test your ideas, pivot one factor of your hypothesis at a time
- Deming's P-D-C-A is an useful tool for learning too
- steering group is responsible of enabling project success, one of the main tools is risk mitigation by stopping potential domino effects - risks are not isolated by nature
- skunkworks principles are still valid
Culture Hacking — Subversive And Intentional Innovation Capability Building F...Jan Schmiedgen
My talk from the IRDG Design Thinking Conference 2018:
These days design thinking is in high demand with top leadership. But often it’s just the outcomes — the innovation — management wants, less so the organizational change that comes attached with a comprehensive methodology and mindset. Why? The former is ‘sexy’ and brings money, the latter is annoying and might need investment at the outset. So, for many innovators and intrapreneurs the question is: how can we establish a design thinking practice sustainably, even with just ‘lip-service leadership support’? Jan’s talk will look into that topic by showcasing a range of inspiring examples of deliberate and subversive (culture hack) innovation capability building.
We pitched this presentation on 24 June 2016 in K22 in Ghent. It describes what W4P has become, our process in making it, what you can do with this Open Source template and a brief overview of the first pilots, including their wins and fails.
Over the last couple of years I've talked a lot on Design Thinking, Design in general and Service Design.
This presentation is my incomplete story on the topic, with storyline.
Hope you like it, love your comments...
I developed this workshop for a group of Crashers through the Cooperative Trust at the ACUC (America's Credit Union Conference) in San Diego in June of 2012. Our goal was to better understand and develop concepts to serve the unbanked and underbanked in our society. http://trust.coop/what-we-do/
What happens when an organisation commits itself to 'humanity above bureaucracy'?
Bureaucracy and traditional power structures hinder organisations from harnessing the power of their employees, their intelligence, ideas and passions.
New models seem necessary to build a truly human organisation, one that balances scale and speed, efficiency and creativity, control and experimentation.
The Innovation Trap (and Antidote) from Lean StartupEnabled
The mantra nowadays: Move fast & break things. Is fast always good? To avoid the innovation trap, Lean Startup & Jobs To Be Done should go together.
Full blog post at: http://blog.enabled.com.au/innovation-trap-lean-startup
Challenging innovation myths is the first step to adopting a wider perspective that will allow anyone in your organization to innovate. This fast-paced, multi-modal experience will engage you to learn more about innovation thinking, while exploring assumptions, and building innovation strategies and synergy to achieve breakthrough results. Together we will bust FIVE common innovation myths and open the door to greater opportunity!
We wrote this to give you a sense of IDEO’s culture—the ties that bind us together as coworkers and as people.
Read more: http://blog.slideshare.net/2014/01/08/culturecode-what-makes-a-company-great/
Ignite your strategic thinking mit innovation labAlan Scrase
IGNITE your…. strategic thinking
Presenter – Dr. Dave Richards, experienced and highly successful serial entrepreneur, innovator and master strategist, will be presenting on
“The MIT Innovation Lab: 5 key Learnings”
Dr Dave is an inspirational speaker, adviser, author and globally recognised thought leader.
He is honorary visiting Fellow with the Faculty of Management, Cass Business School, City University, London, co-founder and honorary lifetime member of the Massachusetts Institute of Technology Innovation Lab, Fellow of the Institute of Directors and the Royal Society for the Encouragement of the Arts, Manufactures & Commerce as well as adviser to a variety of business and government leaders.
A maior empresa de MMN do mundo, os melhores produtos de limpeza, Beleza e Nutrição, o melhor MMN e a que mais paga no mundo.
Está esperando o que?
Faça parte desta Mega Empresa que está presente em mais de 80 países.
Não gosta de MMN, não tem problema, é a 2ª maior em VENDAS DIRETAS do mundo, só perdendo para a AVON, por enquanto.
Os produtos se vendem, só é necessário demonstrar.
Se você conhece mas só quer comprar, entre neste link abaixo.
http://www.amway.com.br/IRE/IMCReg.aspx
Código de Cliente: 3102042687XHP
Compras acima de R$100,00 frete grátis
Ou caso queira revender os produtos entre no link acima e digite:
Código de Empresário Amway: 31020426870UY
Building Blocks of a Startup (Webinar for Monash University)James Alexander
These are the slides alongside my webinar for Monash University. Talking about startup fundamentals of customers, prototyping and getting early traction.
5 Things You Need to Do to Create a Category (and What Makes Them Super Hard)...saastr
Building a company is hard enough, but what if there's no clear market to launch into? That's the situation Gainsight CEO Nick Mehta and CMO Anthony Kennada found themselves in when they joined the company that would become Gainsight in 2013. There was no playbook for category creation, so they built their own—and catapulted Gainsight into one of the fastest growing private companies in the world. Join Nick and Anthony for an open and honest look into their playbook for building the Customer Success category: the needle movers, the mistakes, and everything in between.
5 Things You Need to Do to Create a Category (and What Makes Them Super Hard)Anthony Kennada
Building a company is hard enough, but what if there's no clear market to launch into? That's the situation Gainsight CEO Nick Mehta and CMO Anthony Kennada found themselves in when they joined the company that would become Gainsight in 2013. There was no playbook for category creation, so they built their own—and catapulted Gainsight into one of the fastest growing private companies in the world. Join Nick and Anthony for an open and honest look into their playbook for building the Customer Success category: the needle movers, the mistakes, and everything in between.
‘’Entrepreneurship is not about creating companies – it’s about changing the world.’’ (Mark Zuckerberg)
Uber. Facebook. WhatsApp. Instagram. Tales of billion-dollar acquisitions, and life-changing business deals on a world scale have succeeded in drawing the young and the young-at-heart to what is arguably the world’s most attractive business profession – technology entrepreneurship. Similar to the hordes of people who swarmed across 20th-century California in search of gold during the gold rush era, a new movement has begun in 21st century Silicon Valley, and has spread across most of the developed and developing world.
Once one gets the entrepreneurial itch, one has to scratch it. Do you have an idea for a tech or tech-enabled business? Would you like to join the ranks of optimistic techpreneurs?
Join Kleos Africa’s consultant and Beta Gamma Sigma member Pablo Ruz Salmones in this webinar and you will gain more insights into the world of technology entrepreneurship. Pablo’s experience straddles both business and engineering. A member of the Mexican School of Public Accountants, he is also an experienced computer engineer, app developer and the Founder and CEO of Ya Quedo, a software company based in Mexico City. In his spare time, Pablo composes music and gives international piano concerts in Mexico and New Zealand.
Interested? Register at https://www.kleosafrica.com/login and you will receive an invitation to the webinar. Should you require further clarification, email associates@kleosafrica.com or send a message to +234 706 202 8065 (WhatsApp only).
What every business can learn from young entrepreneurs (publ)Frederic De Meyer
For my second book I took a look at a number of young entrepreneurs - what they are made of, what trends are they working on, etc. In this presentation I discuss what I learned from them and how these learnings could (and should) be applied to traditional businesses as well (in order to attract and retain young innovative talent).
Of course it's better to have the narratives along, so don't hesitate to get in touch if you'd want this presented 'live' at one of your events...
GAMIFIN 2019 Conference Keynote: How to fail at #gamification researchLennart Nacke
Lennart Nacke describes the many ways that failure is important and necessary for iterative design and development of gamification research. He outlines several ways that current gamification research can improve on experiments, execution, and publication of gamification studies. He touches on areas of game thinking, user experience, and design to tie all the examples of failure together into a call for honest design and research in gamification.
Using Design Thinking in Aerospace Innovation for TLEsCraig Damlo
Invited talk given in January 2016 to the Boeing Enterprise Technical Lead Engineers community. Short introduction to design thinking and how to apply design thinking to the long development cycle of aerospace. Includes basic empathy tools at end of presentation.
Innovation Myth Buster at Target Innovaiton Network Nov 2009guestb97369f
Introduction to Innovation for Target's Innovation Network.
Challenging innovation myths is the first step to adopting a wider perspective that will allow anyone in your organization to innovate. This fast-paced, multi-modal experience will engage you to learn more about innovation thinking, while exploring assumptions, and building innovation strategies and synergy to achieve breakthrough results. Together we will bust FIVE common innovation myths and open the door to greater opportunity!
Internal startups presentation public 16062017Märijärvi Jukka
My presentation on how to apply lean startup methodology in a big corporation. How to quickly build digital services. Innovation, internal startups and customer centricity on Agile 2017 conference May 2017.
Innovation is a very widely used term which can apply to any aspect of the business.
This report takes a high level and strategic view of the issue and does not focus on one
specific type of innovation, or one area of activity. Innovation in operations is just as
important as innovation in marketing. We look at the issue of strategic versus
incremental innovation, and the importance of innovation for both growth and efficiency.
We also assess the barriers to innovation, what actions banks are taking to increase
their level of innovation, and recommend areas where we feel they could improve.
These are interesting and uncertain times, and we cannot tell yet where they will lead us. The financial world is changing and it
is to be expected that banking itself – whether globally or in the EU – will undergo a significant transformation. Now is not the
time for concrete predictions, yet we look ahead with optimism and with the confidence that also in the times to come, Europe’s
savings and regionally oriented retail banks will drive economic growth and development, as indeed they always have. The aim
of this report is to work towards this goal by stimulating and contributing to the various relevant debates and initiatives, which
are currently shaping the retail banking sector along various dimensions.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)
Gregg Fraley
1. Innovation
Foundations
A keynote by
the Author of Jack’s Notebook
Finnovation
2008
November 20th, 2008
Buy this book Now
Copyright 2008 Gregg Fraley
2. Disclaimer
• I’m not going to be politically correct
• I apologize in advance if I offend any person or
organization, there is no malice intended
• This is my truth, and, there is more than one
right answer
Copyright 2008 Gregg Fraley
3. Innovation
• If it were easy
everybody would do it
• Innovation is holistic,
we must “be” it, not
“do” it
• Best viewed as a
complex challenge
• Best process would be
designed for complex
problem solving
Copyright 2008 Gregg Fraley
4. One Big Difference Between
Motorola and Apple.
Visionary Leadership. There is no substitute
Copyright 2008 Gregg Fraley
6. Once Upon a Time
Now a visionary company without a visionary leader
Copyright 2008 Gregg Fraley
7. RAZR Success
Not Sustained
Incidental innovation is an indication that
something is right -- and something is wrong.
Copyright 2008 Gregg Fraley
8. Coping With Complexity
• The “Four P’s”
• Working a
deliberate
innovation
process
continuously
• A Holistic
Approach
Copyright 2008 Gregg Fraley
9. The
Four “P’s”
Mel Rhodes, 1957
Copyright 2008 Gregg Fraley
10. People
• Talent matters
– Who is Jonathan Ive?
• Diversity
matters
– Who is Michael Kirton?
– Includes Consumers &
Outside Experts
• Training matters
– What is CPS?
• Practice matters
– What is “IO?”
Copyright 2008 Gregg Fraley
11. Jonathan Ive is. . .
A designer who makes a big difference
Copyright 2008 Gregg Fraley
12. Michael Kirton
theorist of creativity
• Adaptors think
better
• Innovators think
different
• You need both
styles on Innovation
teams
• Myth: out-of-the-
Created a measure of box thinking is all
creative style, the you need
KAI (Kirton Adaptor-
Innovator Inventory)
Copyright 2008 Gregg Fraley
13. Suggestion
• Assess your teams using
measures like the KAI or the
FourSight Online Measure
• This will tell you if you have the
right balance of:
– Clarifiers
– Ideators
– Developers
– Implementors
Copyright 2008 Gregg Fraley
14. CPS is. . .
The Osborn-Parnes Model of
Creative Problem Solving
Copyright 2008 Gregg Fraley
15. IO is. . .
• Improv Olympics
– Based in Chicago
– Founder: Del Close
• Three year journey
to trusting my own
spontaneous
thought
Copyright 2008 Gregg Fraley
16. Product
• Must be novel
• Must be useful
• Design
– A key to
perception of
value
• Work with
consumers all the
time to dialog
regarding
product ideas
Copyright 2008 Gregg Fraley
17. Press (Environment)
• Leadership sets
tone
• Innovation should
be part of all you
do, not just
products
• If it’s not fun --
you’re not doing it
right
• Impacts the three
other P’s
Copyright 2008 Gregg Fraley
18. Process
• Innovation is informal
• Innovation is “hosed” or
augmented by other
processes
– Six Sigma!
– Old Financial models
– Toyota “kaizen”
• CPS is designed for
complexity
• Idea Management is
appropriate as the glue --
– gathering, recording,
sorting, evaluating,
preserving
Copyright 2008 Gregg Fraley
19. Idea Management
Or Idea Pipeline Management
• IPM Systems:
– Save money
– Make process
continuous
– Invite broader
participation
– Make efforts
measurable
– Work well with
structured problem
solving process
Copyright 2008 Gregg Fraley
20. BrightIdea.com
• Enabled Cisco to
implement I-Prize
competition
• Experian grows
revenue from 500M
to 1B
• Value of IPM is not
just idea tracking --
it’s project mgmt.
and financial
tracking
Copyright 2008 Gregg Fraley
21. Overview of CPS
The Osborn-Parnes model
Copyright 2008 Gregg Fraley
22. Overview of CPS
The Osborn-Parnes model
• Without
structure
problem solving
tends to “spin”
• CPS provides
a structure
to be
spontaneous
within
• Serves well as a
communication
tool/common
language
Copyright 2008 Gregg Fraley
24. Summation
• Somebody needs to be in charge of
Innovation and needs to tend to all
4 “p’s”
• It needs to be a continuous,
deliberate, holistic effort
– Informal efforts beget inconsistency
• If you need process help, by all
means get it!
Copyright 2008 Gregg Fraley
26. Step One:
Objectives
• You’ve got to
have a dream
• It’s not all about
money
• A business
without soul dies
• Innovation needs
to be integral
with all
organizational
goals
Copyright 2008 Gregg Fraley
27. Step Two:
Facts
• There is no substitute for knowing your
market, consumers, customers inside out
• And, you must be able to think for them, ahead
of them, with them for breakthrough’s
• Take facts and ask what they mean for the
future…
• Insights are more meaningful when projected
into scenarios
Copyright 2008 Gregg Fraley
28. Step Three:
Challenges
• Framing the consumer need in
fresh ways is a path to innovation
• Researchers need to challenge
assumptions to do more
meaningful work
Copyright 2008 Gregg Fraley
29. Step Four:
Ideation
• Is not an event
• It’s a way of
living, breathing,
thinking, being
• EVERYONE
inside, and many
people outside,
should be
involved
• And why not
virtual?
Copyright 2008 Gregg Fraley
30. Open Innovation
Means Open Ideation
• P&G has been
transformed by
innovation glasnost
• Cisco is doing open
ideation, annually
$250,000 prize, I-
Prize
• Adobe “Champion
Showcase”
• Ideation sessions are
almost always better
when outsiders
participate
Copyright 2008 Gregg Fraley
32. Step Five:
Solutions
• Gets back to research
• Refine ideas with consumers,
iteratively, continuously
• Requires its own round of
ideation/problem solving
• It’s about a complete solution
Copyright 2008 Gregg Fraley
33. Step Six:
Action
• Time waits for no man
(or woman)
• Failure is a good thing
• Excitement internally
first
• Internal
Operations/Logistics of
product deployment is
an opportunity area for
researchers
Copyright 2008 Gregg Fraley
34. The Bottom Line
• Innovation springs from creativity
• Creativity happens with talented people
who are empowered
• Leaders do the empowering
• Diversity of thinking and market
knowledge are pre-requisites
• Structured process and idea management
are essential
• Passion and motivation can overcome a
lot of other challenges
Copyright 2008 Gregg Fraley
36. Innovation
Foundations
A keynote by
the Author of Jack’s Notebook
Finnovation
2008
November 20th, 2008
Buy this book Now
Copyright 2008 Gregg Fraley