Ziad Abdelnour, Lebanese American author, trader and financier is President & CEO of Blackhawk Partners, Inc., a “private family office” that backs talented operating executives in growing their companies both organically and through acquisitions and trades physical commodities.
Despite hopes that the anti-QE rhetoric would die down, the noise continued last week, and unfortunately, become more political. One of the key aspects of the Fed is its independence. The Fed is answerable to Congress, and ultimately, to the American people. However, it is not controlled by Congress – nor would we want it to be controlled by Congress. Attacks on the Fed and its latest round of asset purchases aren’t helping.
SunTrust Chief Economist Gregory Miller Briefs Chamber Members on Economic Trends
Gregory Miller, chief economist at SunTrust Bank, gave the keynote address at the 2015 Economic Outlook Briefing presented by Town of Chapel Hill Economic Development, describing trends and the latest economic issues facing the nation and the region.
As SunTrust’s chief economist, Gregory Miller analyzes the U.S. and global economies and forecasts the U.S. national economy. He advises corporate and bank boards of directors, as well as making frequent presentations to SunTrust business and wealth management clients. He sits on committees charged with interest rate setting, corporate investment, and benefits policy. He is a policy advisor for Private Wealth and Corporate Investment Banking groups.
Mr. Miller comments frequently in business media, including CNBC News, Bloomberg News, Fox Business, Reuters, USA Today, Wall Street Journal, Financial Times, Blue Chip Financial Forecast, and other local news media platforms.
In addition to Miller’s economic forecast, Chamber President & CEO Aaron Nelson presented the results of the Chamber’s annual Economic Conditions Survey, an online survey that gauges our community’s thoughts on the current economy based on Chamber member response.
For more information, visit carolinachamber.org or contact Kristen Smith at (919) 357-9988.
###
The Chapel Hill-Carrboro (NC) Chamber of Commerce is a business leadership organization serving the greater Chapel Hill, NC community. The Chamber serves and supports the business interests of its more than 1,200 members and helps create a sustainable community where they can thrive. Chamber members employ more than 80,000 in the Research Triangle region.
Niall Ferguson, noted economic historian, author, and Harvard Professor outlined the next steps in the current “Great Depression to a packed Canada 2020 Speakers Series crowd on Monday 23 February. For more, see www.canada2020.ca.
Despite hopes that the anti-QE rhetoric would die down, the noise continued last week, and unfortunately, become more political. One of the key aspects of the Fed is its independence. The Fed is answerable to Congress, and ultimately, to the American people. However, it is not controlled by Congress – nor would we want it to be controlled by Congress. Attacks on the Fed and its latest round of asset purchases aren’t helping.
SunTrust Chief Economist Gregory Miller Briefs Chamber Members on Economic Trends
Gregory Miller, chief economist at SunTrust Bank, gave the keynote address at the 2015 Economic Outlook Briefing presented by Town of Chapel Hill Economic Development, describing trends and the latest economic issues facing the nation and the region.
As SunTrust’s chief economist, Gregory Miller analyzes the U.S. and global economies and forecasts the U.S. national economy. He advises corporate and bank boards of directors, as well as making frequent presentations to SunTrust business and wealth management clients. He sits on committees charged with interest rate setting, corporate investment, and benefits policy. He is a policy advisor for Private Wealth and Corporate Investment Banking groups.
Mr. Miller comments frequently in business media, including CNBC News, Bloomberg News, Fox Business, Reuters, USA Today, Wall Street Journal, Financial Times, Blue Chip Financial Forecast, and other local news media platforms.
In addition to Miller’s economic forecast, Chamber President & CEO Aaron Nelson presented the results of the Chamber’s annual Economic Conditions Survey, an online survey that gauges our community’s thoughts on the current economy based on Chamber member response.
For more information, visit carolinachamber.org or contact Kristen Smith at (919) 357-9988.
###
The Chapel Hill-Carrboro (NC) Chamber of Commerce is a business leadership organization serving the greater Chapel Hill, NC community. The Chamber serves and supports the business interests of its more than 1,200 members and helps create a sustainable community where they can thrive. Chamber members employ more than 80,000 in the Research Triangle region.
Niall Ferguson, noted economic historian, author, and Harvard Professor outlined the next steps in the current “Great Depression to a packed Canada 2020 Speakers Series crowd on Monday 23 February. For more, see www.canada2020.ca.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Dr. Bruce Yandle of Clemson University presents his Quarterly Economic Update paying special attention to the unemployment rate, GDP, and interest rates.
On November 2, 2010, EIU Senior Economist Leila Butt, presented the Economist Intelligence Unit Global Outlook in Boston. Key points in this presentation include:
- Most economies are growing again
- Emerging markets are booming
- Unemployment remains very high
- Consumers are rebuilding balance sheets
- Countries are heavily indebted
- Deflation is a risk in rich countries
- Asset bubbles are a risk in emerging markets
If U.S. politics do not derail the recovery, pent-up demand can drive faster economic growth. Fixed-income outflows appear likely to continue, pushing rates higher.
As expected, the Federal Open Market Committee has embarked on another round of planned asset purchases. In its November 3 policy statement, the FOMC wrote that it expects to buy another $600 billion in long-term Treasuries by the end of 2Q11 ($75 billion per month), in addition to the $35 billion per month in reinvested principal payments from its portfolio of mortgage-backed securities. There has been much criticism of the move in the financial press. Certainly, there are risks in the Fed’s strategy. However, it’s hardly reckless or ill-advised.
Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.
Dr. Bruce Yandle of Clemson University presents his Quarterly Economic Update paying special attention to the unemployment rate, GDP, and interest rates.
On November 2, 2010, EIU Senior Economist Leila Butt, presented the Economist Intelligence Unit Global Outlook in Boston. Key points in this presentation include:
- Most economies are growing again
- Emerging markets are booming
- Unemployment remains very high
- Consumers are rebuilding balance sheets
- Countries are heavily indebted
- Deflation is a risk in rich countries
- Asset bubbles are a risk in emerging markets
If U.S. politics do not derail the recovery, pent-up demand can drive faster economic growth. Fixed-income outflows appear likely to continue, pushing rates higher.
As expected, the Federal Open Market Committee has embarked on another round of planned asset purchases. In its November 3 policy statement, the FOMC wrote that it expects to buy another $600 billion in long-term Treasuries by the end of 2Q11 ($75 billion per month), in addition to the $35 billion per month in reinvested principal payments from its portfolio of mortgage-backed securities. There has been much criticism of the move in the financial press. Certainly, there are risks in the Fed’s strategy. However, it’s hardly reckless or ill-advised.
Утренние чтения «Коробка с сюрпризами» написаны для детей, которые любят слушать интересные истории, и для взрослых, которым нравится эти истории читать и рассказывать. Но наша цель — не просто развлекать, а прививать нравственные ценности, помогать маленьким читателям расти духовно. Самая важная истина, которой учит эта книга: дети так ценны в глазах Иисуса Христа, что Он пришел на землю, чтобы спасти их.
Это замечательная традиция — начинать день в Божьем присутствии. Мы надеемся, что короткие истории, изложенные простым языком и понятные даже малышам, станут для них приятными «сюрпризами» и сделают каждое утро еще более радостным и интересным.
You can build School Management System in many different programming languages. I have designed this School Management System project in following programming languages using database:
1.School Management System Final Year Project ideas.
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Hire me to do your programming project and assignment in PHP, Java, MS Access, Android, SQL Server, ASP.net and many more. I will provide you Programming Assignment Help services with 24×7 hrs support. Its my promise you will never regret. Contact me right now!
Is Deep Water Oil Drilling a National Security IssueZiad K Abdelnour
Why are oil companies like British Petroleum being allowed to drill so deeply in hazardous conditions under the Gulf? In other words, why has the government been so supportive of deep water drilling in the Gulf?
there will be 2 articles attached may you please summarize the artic.docxbarbaran11
there will be 2 articles attached may you please summarize the articles attached seperatley and add a bibllography and opinion to each (must be at least 2 pgs double spaced)
Japan’s Swinging Bonds — A Future Economic Crisis
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COMMENTS (1)
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By Vincent Cignarella
The inability of Japanese government debt to stop gyrating wildly poses a significant threat to the country’s climb out of its two-decade economic mire.
In the past six months, Japanese 10-year bond yields have swung like a pendulum. The huge swings were never more prescient than Thursday, when the yield jumped over 1.0% for the first time in over a year.
That volatility poses a significant threat to Japan, specifically through the balance sheets of its banks. In a statement clearly acknowledging those risks, Bank of Japan Governor Haruhiko Kuroda said Friday that it is “extremely desirable” for the nation’s debt market to be stable.
When it comes to government debt, Japan’s biggest banks are all in. Consolidated financial statements of
Mizuho Financial Group
8411.TO
0.00%
and Mitsubishi Financial Group show they each hold 23% of total assets in Japanese national government and a variety of government agency bonds.
As that debt vacillates in price so do the banks’ Tier 1 capital asset ratios and presumably their ability to lend and create loans. Japanese banks would face 6.6 trillion yen in losses should interest rates rise broadly by one percentage point, according to the Bank of Japan.
One week into 2013, 10-year government bonds climbed in yield to nearly 0.85% from early December lows of 0.69%. They then fell dramatically to 0.44% in early April only to climb again violently to the 12-month high on Thursday. All that interest rate volatility and so far, no inflation in sight.
Recent gross domestic product figures from Japan showed growth of 3.5% on an annual basis but the GDP deflator, a measure of inflation printed at a decline of 1.2% from a year earlier. That is 14 consecutive negative quarters.
If these government bond yields continue to gyrate beyond the central bank’s control and no inflation comes, the government stands to lose credibility domestically.
That credibility is already somewhat in question given during his first term as prime minister, Shinzo Abe lacked the political power to follow central bank action with his own government reform. Without that reform, Abe’s goal of 2% inflation within two years is in grave peril.
If he has any doubts about the need for government action, look no further than U.S. Personal Consumption Expenditures, the Federal Reserve’s favorite indicator for inflation, was 2.5% in 2008 before the global financial crisis took hold. Now almost five years later and massive quantitative easing from the Fed, the PCE is just 1.1% because there has been no help from fiscal policy.
The importance of credibility is even greater in Japan, where local investors finan.
The world has not learned the lessons of the financial crisisBan.docxpelise1
The world has not learned the lessons of the financial crisis
Banks are safer, but too much of what has gone wrong since 2008 could happen again
WHEN historians gaze back at the early 21st century, they will identify two seismic shocks. The first was the terrorist attacks of September 11th 2001, the second the global financial crisis, which boiled over ten years ago this month with the collapse of Lehman Brothers. September 11th led to wars, Lehman’s bankruptcy to an economic and political reckoning. Just as the fighting continues, so the reckoning is far from over.
Lehman failed after losing money on toxic loans and securities linked to America’s property market. Its bankruptcy unleashed chaos. Trade fell in every country on which the World Trade Organization reports. Credit supplied to the real economy fell, by perhaps $2trn in America alone. To limit their indebtedness, governments resorted to austerity. Having exhausted the scope to cut interest rates, central bankers turned to quantitative easing (creating money to buy bonds).
Just as the causes of the financial crisis were many and varied, so were its consequences. It turbocharged today’s populist surge, raising questions about income inequality, job insecurity and globalization. But it also changed the financial system. The question is: did it change it enough?
To splurge is human
One way—the wrong way—to judge progress would be to expect an end to financial crises. Systemic banking meltdowns are a feature of human history. The IMF has counted 124 of them between 1970 and 2007. There is no question that they will occur again, if only because good times breed complacency. Consider that the Trump administration is deregulating finance during an economic boom and that the Federal Reserve has not yet raised counter-cyclical capital requirements. Even when prudence prevails, no regulator is a perfect judge of risk.
A better test is whether the likelihood and size of crises can be reduced. On that, the news is both good and bad.
First, the good. Banks must now fund themselves with more equity and less debt. They depend less on trading to make money and on short-term wholesale borrowing to finance their activities. Even in Europe, where few banks make large profits, the system as a whole is stronger than it was. Regulators have beefed up their oversight, especially of the largest institutions that are too big to fail. On both sides of the Atlantic banks are subject to regular stress tests and must submit plans for their own orderly demise. Derivatives markets of the type that felled AIG, an insurer, are smaller and safer. Revamped pay policies should prevent a repeat of the injustice of bankers taking public money while pocketing huge pay-packets—in 2009 staff at the five biggest banks trousered $114bn.
Yet many lessons have gone unlearned. Take, for example, policymakers’ mistakes in the aftermath of the crisis. The state had no choice but to stand behind failing banks, but it took the ill.
I consider myself a seeker of truth. It isn’t easy finding it in today’s’ world. In an alternate version of the famous scene from A Few Good Men, I picture myself telling Fed Chairman Janet Yellen that I want the truth and her truthful response would be:
Read More: http://www.blackhawkpartners.com/want-christmas-truth/
On the surface, the deal for most Western leaders looks good. The West has nothing to lose but everything to gain from this deal. The major nuclear suppliers and corporations which are housed in the West gain money and business.
Israel’s wall along the Palesinian territory has reduced terror assaults dramatically. Tunisia and Israel are building walls to keep ISIS out of their countries. If there was little hope of the walls keeping out an entire army of well armed extremist fighters neither country would waste the resources to build them. Yet the primary excuse in the U.S. for not finishing the wall along the southern border is that it cannot work.
I recently attended the First Lebanese Startups Conference in New York City and I was frankly pleasantly surprised by the top caliber of speakers and the spirit of Lebanese entrepreneurship.
30 speakers, 25 startups, 50 investors and 250 entrepreneurs and professionals at The Plaza Hotel in New York City. A real inspiring event to be remembered.
I consider myself a seeker of truth. It isn’t easy finding it in today’s’ world. In an alternate version of the famous scene from A Few Good Men, I picture myself telling Fed Chairman Janet Yellen that I want the truth and her truthful response would be:
t is clear to anyone with a half brain by now that President Obama has not offered a cohesive strategy for fighting ISIS. Since 2010, his determination to disengage from Iraq and Syria was evident in his refusal to assist the Free Syrian Army and keep U.S. forces in Iraq beyond 2011.
Private Equity Investing: The 5 Things you should Practice when Making a Decision....
In investing as you may know, there are many ways to fail but there are many ways to succeed too. The key is to have your process in line with your investing behavior.
Here’s some food for thought I’d strongly recommend if you are seeking to thrive or at least survive in this new financial landscape in the making.
Read More.... http://www.blackhawkpartners.com/private-equity-investing-5-things-practice-making-decision
As Steve Jobs once said ” Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition.
I have always been flabbergasted by how ignorant Americans are about Syria and how US policy makers in the Obama Administration have dealt with the Syria file so far.
So as a political activist in the region, I thought of sharing with you some basic answers to the most asked questions about Syria in the hope of one day maybe helping you all see the light at the end of the tunnel regarding the quagmire we are all facing in the region.
How do you Deal with a Large Competitor - Ziad AbdelnourZiad K Abdelnour
The bigger company's advantages include lots of capital / resources / employees, lots of customer relationships, good distribution, pricing power/patience.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Discover the innovative and creative projects that highlight my journey throu...dylandmeas
Discover the innovative and creative projects that highlight my journey through Full Sail University. Below, you’ll find a collection of my work showcasing my skills and expertise in digital marketing, event planning, and media production.
3.0 Project 2_ Developing My Brand Identity Kit.pptxtanyjahb
A personal brand exploration presentation summarizes an individual's unique qualities and goals, covering strengths, values, passions, and target audience. It helps individuals understand what makes them stand out, their desired image, and how they aim to achieve it.
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
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RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
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.
2. The US economy has improved in the 1st quarter 2012, with stock markets returns being more than
stellar. The Dow Jones Industrial Average was up 7%, S&P500 up 11% and NASDAQ leading the way, up
17%. Clearly confidence had improved and ‘risk on’ investing was back. Now it is the economies turn.
The challenge of the hypothesis that the economy would follow the lead of the stock market is
questionable at best. There were some marked improvement in consumer confidence and spending;
manufacturing seems to be coming to life; and most importantly the economy was creating jobs. As
much as this picture sounds rosy, the details reflect a somewhat different picture.
Mild improvement did occur in a number of economic indicators but one has to recognize that they
were improving from a horrible baseline. A minor bounce was due in the economy given the trillions
injected into it by both the Federal government and the Federal Reserve. Federal Reserve Chair
Bernanke has pushed up his balance sheet (creation of money into the economy) to about $3 trillion.
This kind of monetary creation is unprecedented in history. Also, during the bull run from the 2003 to
the high in 2007, the two central banks (Feds and European Central Bank) were fueling both the stock
market liquidity and the real estate bubble with growth in their balance sheets. Bottom line is they were
printing money, a lot of it to liquefy the system. President Obama has shown no belief or need to lower
the deficit to a more manageable level – he clearly has taken a path of protecting and adding to
entitlements and safety nets in the difficult economic environment the US has been stuck in. Clearly he
inherited a great deal of deficit policies and momentum through the Bush administration as well as the
weakest economy since the great depression of the 1930’s.
3. The Federal Government debt will hit $16 trillion this year, going up by about $6 trillion dollars during
the Obama administration. This deficit and debt growth is unsustainable. During the 2011 year, there
was a major shift in buying trends for US government debt. Major international purchases have
historically been led by China (held $1.15 trillion US treasuries at end of 2011) and Japan ($1.04 trillion
balance on December 31st, 2011). Both Asian nations appear to be shifting and moving away from being
primary buyers of US bonds. China actually sold off $16 billion of bonds in the last six months of 2011.
Also, the last two years have seen little growth in China purchases of US government debt. Japan has to
re-patriot funds as they have a deteriorating economy, with a debt to GDP ratio of more than 200%.
Where will future buyers come from? Well in 2011, 61% of all new issues of US government debt were
purchased by the Federal Reserve, clearly a trend that cannot go on forever. In theory, the government
is required to pay back the Feds, but that is highly unlikely. Monetizing debt creates two devastating
economic situations – high inflation and a depreciating dollar.
Leading Foreign Holders of US Treasury Securities as of January 2012
Economic Area
billions of dollars ratio of owned US debt to
(est.)
domestic GDP (est.)
percent change since
January 2011
Mainland China
1,159.5
16.6%
+0.4%
Japan
1,079.0
18.4%
+21.8%
Oil exporters1
258.8
n/a
+20.1%
Brazil
229.1
9.1%
+19.8%
Caribbean Banking
Centers2
227.8
n/a
+37.8%
Sources: International Monetary Fund, World Economic
4. Debt in billions
OutlookRecent and Budgeted* US Federal Debt
Source US Government Spending.com
Government debt and Central Bank money creation has been the reason for the artificial rallies in the
stock and commodity markets since the financial fallout 2007-09. The real economy has seen minor
improvements and appears to be rolling over to the downside once again. Real estate continues to
stagnate and there are signs that it may further deteriorate in late 2012 onward. This is due to prices
continuing to fall, demand soft, and foreclosures to increase significantly in 2012. "Perhaps a million
foreclosures could have been pursued last year but weren't," said Rick Sharga, executive vice president
for real estate investment company, Carrington Holdings. But that's all about to change, he said. "We're
going to see an increase in the speed of foreclosures and a higher number of foreclosure starts." The
stimulus is the $26 billion mortgage settlement agreed to by the nation's five largest mortgage lenders.
This is expected to speed up the foreclosure process by providing stricter guidelines for the banks to
follow when repossessing homes.
Let me also add that municipal defaults are gaining momentum. As per Moody’s, the ratio of bond
defaults from 1970-2009 was 2.7% per annum. The level for the 2010-11 periods has increased to 5.5%,
nearly doubling the prior periods default ratio. Given these enormous challenges, how is the
Government going to fund its debt, keep the economy from falling into a depression, and doing what it
can to help many more municipalities from bankruptcy. Well many would simply say, let the Feds keep
printing money. They may just do so and unfortunately defer the problem and make it larger. We must
remember that the monetization process of the Federal government creates inflation and deflates the
US dollar, both terrible for living standards of most Americans.
5. As you can see inflation as per John Williams, Shadow Government Statistics, inflation is significantly
higher than what is being reported. Adjustments in the formula to hide key factors of inflation in 1980
and 1990 have resulted with inflation levels being far worse than reported. The adjusted models come
in the 6% and 10% range. These are dangerous levels and destroy the middle class and working class
further. Now let’s take a look at the US dollar:
6. Inflation is rising dramatically and the US dollar has been on a steady ride down. Further quantitative
easing will further exacerbate this problem. Time is running out for the US to fix this interconnected
economic and fiscal disaster in the making.
The US has been the world’s economic and military power throughout the nineteenth century. They
have been the savior of last resort when the world goes astray. Well now the tide has turned and
countries like China and Brazil have reserves and economic power that the US has lost. The developed
Western world is in economic shambles and who is left to pick up the pieces. European nations are in
recession which is deepening (17 nation GDP in 4th quarter 2011 was (0.3%); joblessness is surging in
many countries (unemployment rate is at 10.8% among the European Union, the highest level since
1997); and manufacturing has had 8 straight months of decreased activity. Sovereign debt concerns are
starting to reel their ugly head again. Spanish 10 years bond rates have hit 6% again and Italian yields
have rocketed up to 5.5%. Their debt/GDP level is 120%, not manageable and is just a fiscal mess waiting
to happen. Their debt problem is far from resolved even though the European Central Bank has injected
over a trillion Euros since the beginning of 2012, with total injection into the system of $3.02 trillion.
These are monstrous numbers and together with the Fed and the other six major world Central Banks
(Japan, Germany, China, England, France and Switzerland), the total balance sheet assets that have been
injected into world economies is $15 trillion. Our fiat currency system is alive and well but appears to be
on life support. Debt based currencies have failed throughout history and with the course we are on, we
will probably follow suit.
Many argue that China can be the financial savior to the world. Forget this idea, as yes they have
significant reserves but the trend we are seeing is that much of their reserve funds are moving to gold,
out of government bonds as well as stimulating their own stumbling economy. I think they see the
situation for what it is and plan on being on the right side of the table when the fallout occurs. Also,
China, Japan, India and other emerging economies are slowing quite significantly. Clearly there is
interconnectivity in the world today that cannot be ignored.
Irving Fisher, a great US economist recognized why the great depression occurred in 1932, too late but
he formulated a very arguable thesis. He identified the monetary pressures behind every prolonged
depression “"In the great booms and depression, each of the above-named factors has played a
subordinate role as compared with two dominant forces, namely over-indebtedness to start with and
deflation following soon after... In short, the big bad actors are debt disturbances and price level
disturbances." So therefore the question must be ‘who are the bad actors’. Intellectually most
understand how the Federal Reserve is most guilty, followed by our politicians and bankers/brokers.
They have created a toxic environment that has benefitted few (primarily themselves) and hurt the
majority as well as future generations to come.
If the problems are not deep enough, the United States also has unfunded liabilities in excess of $100
7. trillion. The bulk of this is in social security, Medicare and Medicade. These will be all but impossible to
honor and they are getting worse by the day. As an example Federal healthcare spending as a
percentage of the Federal budget has gone up from 7% in 1970 to 24% currently. It is projected to go up
to 28% by 2015. These uncontrollable expenses will cripple the US economy for decades to come.
How will this major fiscal imbalance be resolved – difficult to say but if prudence does not come forth
quickly, look for sovereign defaults throughout the world. Even the great US will be at risk of defaulting.
Many of its local government and states are in serious trouble now. Expect further collapses there and
the dollar to continue to depreciate at a rapid pace once the world starts to flee from the US dollar to
perceived safer ground or a preferred world monetary standard. Austerity is inevitable – higher taxes
and cutting of government expenses – but unfortunately it will do nothing but further the problem by
creating further economic weakness resulting in fewer taxes collected and more demands on society’s
safety net. The next number of years should result in economic fallout worldwide. The key will be ‘who
is positioned to come out of the ashes stronger’. The past cannot be fixed, but the future can be planned
and positioned to ensure future success.