This document provides an economic calendar for the United States from January 2013 through December 2013. It lists release dates for major US economic indicators and Treasury auctions. The calendar covers indicators such as employment data, GDP, inflation measures, housing data, consumer sentiment surveys, and manufacturing reports. It also notes the dates of Federal Reserve monetary policy meetings and statements.
Charla en la universidad UPM de Madrid sobre cómo pueden ayudarnos los sistemas automáticos en la operativa bursátil. Ideas prácticas y teoría de la mano del Prof. Javier Alfayate
Ganar en bolsa es posible FOREXDAY 2014 MadridJavierAlfayate
Este documento ofrece consejos para invertir con éxito en bolsa. Recomienda aprender de los aciertos y errores propios, tener paciencia, conocer los riesgos, y rodearse de personas positivas. Explica que el mercado siempre tiene razón y se mueve por factores monetarios y técnico-psicológicos. Aconseja analizar gráficos para entender las noticias, y no invertir más dinero del que uno puede permitirse perder.
10 ideas de inversión para 2013 FinanceDay MadridJavierAlfayate
El documento presenta 10 ideas de inversión para 2013, incluyendo posiciones largas y cortas en materias primas como petróleo y cobre, pares de divisas como la libra esterlina frente al dólar australiano y el dólar australiano frente al dólar estadounidense, así como ETFs y acciones individuales de compañías energéticas, mineras y tecnológicas, proporcionando para cada una los niveles de stop loss y objetivo, y el riesgo asociado.
Informe credit suisse global investment returns yearbook 2013JavierAlfayate
The Credit Suisse Global Investment Returns Yearbook 2013 examines investment returns in a world of historically low interest rates following the global financial crisis. Some key points:
- Bond yields have fallen sharply in developed countries and are near all-time lows, while real bond yields are now negative or very low in many countries.
- Equity returns in developed markets since 2000 have also been disappointing, raising questions about the viability of equities as an asset class.
- Prospective real returns from bonds, cash, and equities are expected to be significantly lower than the high returns investors experienced in the late 20th century. Living with lower returns poses challenges, especially for retiring baby boomers.
-
This document compares the annual percentage change in Berkshire Hathaway's per-share book value and the S&P 500 index with dividends reinvested over the period between 1965 to 2012. It shows that Berkshire outperformed the S&P 500 in most years, with its book value growing at a compounded annual rate of 19.7% compared to 9.4% for the S&P 500. Overall, Berkshire's book value increased 586,817% compared to 7,433% for the S&P 500 over the same period. In 2012, Berkshire's book value increased 14.4% while the S&P 500 grew 16%, making it one of the few years that
Todo sobre los indicadores de amplitud de mercado del matrimonio McClellan.
Aprende y profundiza en el conocimiento de estas herramientas mágicas para el análisis de la bolsa y su tendencia.
Descubre con Javier Alfayate el cuadrante de su éxito en bolsa. Gestión de Capital, Selección de Valores, Market Timing y Expertise en productos financieros.
Sevilla Noviembre 2012
The document summarizes global household wealth in mid-2012:
1) Total global household wealth was estimated to be USD 223 trillion, equivalent to USD 49,000 per adult globally.
2) From mid-2011 to mid-2012, global household wealth declined 5.2% due to economic uncertainties, equity price declines, and currency fluctuations against the US dollar.
3) Europe accounted for the largest decline in wealth (USD 10.9 trillion), while Asia-Pacific (excluding China and India) and Africa also experienced sizable drops in household wealth.
Charla en la universidad UPM de Madrid sobre cómo pueden ayudarnos los sistemas automáticos en la operativa bursátil. Ideas prácticas y teoría de la mano del Prof. Javier Alfayate
Ganar en bolsa es posible FOREXDAY 2014 MadridJavierAlfayate
Este documento ofrece consejos para invertir con éxito en bolsa. Recomienda aprender de los aciertos y errores propios, tener paciencia, conocer los riesgos, y rodearse de personas positivas. Explica que el mercado siempre tiene razón y se mueve por factores monetarios y técnico-psicológicos. Aconseja analizar gráficos para entender las noticias, y no invertir más dinero del que uno puede permitirse perder.
10 ideas de inversión para 2013 FinanceDay MadridJavierAlfayate
El documento presenta 10 ideas de inversión para 2013, incluyendo posiciones largas y cortas en materias primas como petróleo y cobre, pares de divisas como la libra esterlina frente al dólar australiano y el dólar australiano frente al dólar estadounidense, así como ETFs y acciones individuales de compañías energéticas, mineras y tecnológicas, proporcionando para cada una los niveles de stop loss y objetivo, y el riesgo asociado.
Informe credit suisse global investment returns yearbook 2013JavierAlfayate
The Credit Suisse Global Investment Returns Yearbook 2013 examines investment returns in a world of historically low interest rates following the global financial crisis. Some key points:
- Bond yields have fallen sharply in developed countries and are near all-time lows, while real bond yields are now negative or very low in many countries.
- Equity returns in developed markets since 2000 have also been disappointing, raising questions about the viability of equities as an asset class.
- Prospective real returns from bonds, cash, and equities are expected to be significantly lower than the high returns investors experienced in the late 20th century. Living with lower returns poses challenges, especially for retiring baby boomers.
-
This document compares the annual percentage change in Berkshire Hathaway's per-share book value and the S&P 500 index with dividends reinvested over the period between 1965 to 2012. It shows that Berkshire outperformed the S&P 500 in most years, with its book value growing at a compounded annual rate of 19.7% compared to 9.4% for the S&P 500. Overall, Berkshire's book value increased 586,817% compared to 7,433% for the S&P 500 over the same period. In 2012, Berkshire's book value increased 14.4% while the S&P 500 grew 16%, making it one of the few years that
Todo sobre los indicadores de amplitud de mercado del matrimonio McClellan.
Aprende y profundiza en el conocimiento de estas herramientas mágicas para el análisis de la bolsa y su tendencia.
Descubre con Javier Alfayate el cuadrante de su éxito en bolsa. Gestión de Capital, Selección de Valores, Market Timing y Expertise en productos financieros.
Sevilla Noviembre 2012
The document summarizes global household wealth in mid-2012:
1) Total global household wealth was estimated to be USD 223 trillion, equivalent to USD 49,000 per adult globally.
2) From mid-2011 to mid-2012, global household wealth declined 5.2% due to economic uncertainties, equity price declines, and currency fluctuations against the US dollar.
3) Europe accounted for the largest decline in wealth (USD 10.9 trillion), while Asia-Pacific (excluding China and India) and Africa also experienced sizable drops in household wealth.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
The Impact of Generative AI and 4th Industrial RevolutionPaolo Maresca
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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 to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
The Impact of Generative AI and 4th Industrial RevolutionPaolo Maresca
This infographic explores the transformative power of Generative AI, a key driver of the 4th Industrial Revolution. Discover how Generative AI is revolutionizing industries, accelerating innovation, and shaping the future of work.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Madhya Pradesh, the "Heart of India," boasts a rich tapestry of culture and heritage, from ancient dynasties to modern developments. Explore its land records, historical landmarks, and vibrant traditions. From agricultural expanses to urban growth, Madhya Pradesh offers a unique blend of the ancient and modern.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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 to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
Cryptocurrency is digital money that operates independently of a central authority, utilizing cryptography for security. Unlike traditional currencies issued by governments (fiat currencies), cryptocurrencies are decentralized and typically operate on a technology called blockchain. Each cryptocurrency transaction is recorded on a public ledger, ensuring transparency and security.
Cryptocurrencies can be used for various purposes, including online purchases, investment opportunities, and as a means of transferring value globally without the need for intermediaries like banks.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Beginners Guide to TikTok for Search - Rachel Pearson - We are Tilt __ Bright...
Jp morgan economic calendar 2013
1. J.P. Morgan
ECONOMIC CALENDAR 2013
Release dates for US economic indicators and Treasury auctions
www.morganmarkets.com
2. J.P. Morgan
ECONOMIC CALENDAR 2013
Release dates for US economic indicators and Treasury auctions
This economic calendar covers the period from January 2013 through December 2013. Virtually all of the economic release dates in 2013 are
official. Regular weekly dates are not shown: the Johnson Redbook and ICSC-Goldman Sachs retail sales surveys (Tuesday), the Mortgage Bankers
Association survey (Wednesday), the Bloomberg Consumer Comfort index and money supply and factors affecting reserve balances (Thursday),
and assets and liabilities of commercial banks (Friday). The Treasury auction dates shown in the calendar are based largely on the typical
patterns, which could change significantly in 2013.
Economic Research
www.morganmarkets.com
Analysis of the US economy is captured in our two weekly publications,
US Weekly Prospects and Global Data Watch. In addition, J.P. Morgan produces
the Daily Economic Briefing, which covers the US and global economy.
J.P. Morgan economic research can be accessed by clients at MorganMarkets
(mm.jpmorgan.com).
3. JANUARY 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1 2 3 4
DECEMBER 2012 8:58am Manufacturing PMI (Dec final) 8:15am ADP employment (Dec) 8:30am Employment (Dec)
M T W T F S S 10:00am ISM manufacturing (Dec) 8:30am Initial claims (w/e prior Sat) 10:00am ISM nonmanufacturing (Dec)
1 2 New Year’s Day 10:00am Construction spending (Nov) Light vehicle sales (Dec) 10:00am Factory orders (Nov)
3 4 5 6 7 8 9 Markets closed Chain store sales (Dec)
10 11 12 13 14 15 16 FOMC minutes
17 18 19 20 21 22 23
24/31 25 26 27 28 29 30
7 8 9 10 11
7:30am NFIB survey (Dec) 8:30am Initial claims (w/e prior Sat) 8:30am International trade (Nov)
3:00pm Consumer credit (Nov) 10:00am Wholesale trade (Nov) 8:30am Import prices (Dec)
10:00am JOLTS (Nov) 2:00pm Federal budget (Dec)
Auction 3-year note Auction 10-year note (r) Auction 30-year bond (r)
14 15 16 17 18
8:30am Retail sales (Dec) 8:30am CPI (Dec) 8:30am Initial claims (w/e prior Sat) 9:55am Consumer sentiment (Jan pre)
8:30am PPI (Dec) 9:00am TIC data (Nov) 8:30am Housing starts (Dec)
8:30am Empire State survey (Jan) 9:15am Industrial production (Dec) 10:00am Philadelphia Fed survey (Jan)
10:00am Business inventories (Nov) 10:00am NAHB survey (Jan)
2:00pm Beige book
21 22 23 24 25
10:00am Existing home sales (Dec) 9:00am FHFA HPI (Nov) 8:30am Initial claims (w/e prior Sat) 10:00am New home sales (Dec)
10:00am Richmond Fed survey (Jan) 8:58am Manufacturing PMI (Jan flash)
Martin Luther King, Jr. Day 10:00am Leading indicators (Dec)
Markets closed 11:00am KC Fed survey (Jan)
Auction 10-year TIPS
28 29 30 31
8:30am Durable goods (Dec) 9:00am S&P/Case-Shiller HPI (Nov) 8:15am ADP employment (Jan) 8:30am Initial claims (w/e prior Sat) FEBRUARY
10:00am Pending home sales (Dec) 10:00am Consumer confidence (Jan) 8:30am Real GDP (4Q adv) 8:30am Personal income (Dec) M T W T F S S
10:30am Dallas Fed survey (Jan) 10:00am Housing vacancies (4Q) 8:30am Employment cost index (4Q) 1 2 3
9:45am Chicago PMI (Jan) 4 5 6 7 8 9 10
Auction 2-year note FOMC meeting FOMC statement (2:15pm) 11 12 13 14 15 16 17
18 19 20 21 22 23 24
Auction 5-year note Auction 7-year note 25 26 27 28
All Treasury auction dates are tentative. www.morganmarkets.com
4. FEBRUARY 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1
JANUARY MARCH 8:30am Employment (Jan)
M T W T F S S M T W T F S S
8:58am Manufacturing PMI (Jan final)
1 2 3 4 5 6 1 2 3
9:55am Consumer sentiment
7 8 9 10 11 12 13 4 5 6 7 8 9 10
(Jan final)
14 15 16 17 18 19 20 11 12 13 14 15 16 17
10:00am ISM manufacturing (Jan)
21 22 23 24 25 26 27 18 19 20 21 22 23 24
10:00am Construction spending (Dec)
28 29 30 31 25 26 27 28 29 30 31
Light vehicle sales (Jan)
4 5 6 7 8
10:00am Factory orders (Dec) 10:00am ISM nonmanufacturing (Jan) 8:30am Initial claims (w/e prior Sat) 8:30am International trade (Dec)
2:00pm Senior loan officer survey 8:30am Productivity and costs (4Q pre) 10:00am Wholesale trade (Dec)
(1Q, tentative) 3:00pm Consumer credit (Dec)
Chain store sales (Jan)
11 12 13 14 15
7:30am NFIB survey (Jan) 8:30am Retail sales (Jan) 8:30am Initial claims (w/e prior Sat) 8:30am Empire State survey (Feb)
10:00am JOLTS (Dec) 8:30am Import prices (Jan) 9:00am TIC data (Dec)
2:00pm Federal budget (Jan) 10:00am Business inventories (Dec) 9:15am Industrial production (Jan)
9:55am Consumer sentiment (Feb pre)
Auction 3-year note Auction 10-year note Auction 30-year bond
18 19 20 21 22
10:00am NAHB survey (Feb) 8:30am PPI (Jan) 8:30am Initial claims (w/e prior Sat)
8:30am Housing starts (Jan) 8:30am CPI (Jan)
Presidents’ Day 10:00am Existing home sales (Jan)
Markets closed FOMC minutes 10:00am Philadelphia Fed survey (Feb)
10:00am Leading indicators (Jan)
Auction 30-year TIPS
25 26 27 28
10:30am Dallas Fed survey (Feb) 9:00am S&P/Case-Shiller HPI 8:30am Durable goods (Jan) 8:30am Initial claims (w/e prior Sat)
(Dec, 4Q) 10:00am Pending home sales (Jan) 8:30am Real GDP (4Q second)
Auction 2-year note 9:00am FHFA HPI (Dec, 4Q) 9:45am Chicago PMI (Feb)
10:00am New home sales (Jan) 11:00am KC Fed survey (Feb)
10:00am Consumer confidence (Feb) Auction 7-year note
10:00am Richmond Fed survey (Feb)
Auction 5-year note
All Treasury auction dates are tentative. www.morganmarkets.com
5. MARCH 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1
FEBRUARY APRIL 8:30am Personal income (Jan)
8:58am Manufacturing PMI (Feb final)
M T W T F S S M T W T F S S
9:55am Consumer sentiment
1 2 3 1 2 3 4 5 6 7
(Feb final)
4 5 6 7 8 9 10 8 9 10 11 12 13 14
10:00am ISM manufacturing (Feb)
11 12 13 14 15 16 17 15 16 17 18 19 20 21
10:00am Construction spending (Jan)
18 19 20 21 22 23 24 22 23 24 25 26 27 28
Light vehicle sales (Feb)
25 26 27 28 29 30
4 5 6 7 8
10:00am ISM nonmanufacturing (Feb) 8:15am ADP employment (Feb) 8:30am Initial claims (w/e prior Sat) 8:30am Employment (Feb)
10:00am Factory orders (Jan) 8:30am International trade (Jan) 10:00am Wholesale trade (Jan)
2:00pm Beige book 8:30am Productivity and costs (4Q rev)
3:00pm Consumer credit (Jan)
Chain store sales (Feb)
11 12 13 14 15
7:30am NFIB survey (Feb) 8:30am Retail sales (Feb) 8:30am Initial claims (w/e prior Sat) 8:30am CPI (Feb)
10:00am JOLTS (Jan) 8:30am Import prices (Feb) 8:30am PPI (Feb) 8:30am Empire State survey (Mar)
2:00pm Federal budget (Feb) 10:00am Business inventories (Jan) 8:30am Current account (4Q) 9:00am TIC data (Jan)
9:15am Industrial production (Feb)
Auction 3-year note Auction 10-year note (r) Auction 30-year bond (r) 9:55am Consumer sentiment (Mar pre)
18 19 20 21 22
10:00am NAHB survey (Mar) 8:30am Housing starts (Feb) 8:30am Initial claims (w/e prior Sat)
8:58am Manufacturing PMI (Mar flash)
FOMC meeting FOMC statement (12:30pm), 9:00am FHFA HPI (Jan)
projections (2:00pm), and 10:00am Existing home sales (Feb)
press conference (2:15pm) 10:00am Philadelphia Fed survey (Mar)
10:00am Leading indicators (Feb)
Auction 10-year TIPS (r)
25 26 27 28 29
10:30am Dallas Fed survey (Mar) 8:30am Durable goods (Feb) 10:00am Pending home sales (Feb) 8:30am Initial claims (w/e prior Sat) 8:30am Personal income (Feb)
9:00am S&P/Case-Shiller HPI (Jan) 8:30am Real GDP (4Q third) 9:55am Consumer sentiment
10:00am New home sales (Feb) 9:45am Chicago PMI (Mar) (Mar final)
10:00am Consumer confidence (Mar) Auction 5-year note 11:00am KC Fed survey (Mar)
10:00am Richmond Fed survey (Mar) Good Friday
Auction 7-year note Markets closed
Auction 2-year note
All Treasury auction dates are tentative. Flow of Funds (4Q) is expected in the first two weeks of the month. Household Debt Service and Financial Obligations (1Q) expected during month. www.morganmarkets.com
6. APRIL 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1 2 3 4 5
8:58am Manufacturing PMI (Mar final) 10:00am Factory orders (Feb) 8:15am ADP employment (Mar) 8:30am Initial claims (w/e prior Sat) 8:30am Employment (Mar)
10:00am ISM manufacturing (Mar) Light vehicle sales (Mar) 10:00am ISM nonmanufacturing (Mar) Chain store sales (Mar) 8:30am International trade (Feb)
10:00am Construction spending (Feb) 3:00pm Consumer credit (Feb)
8 9 10 11 12
7:30am NFIB survey (Mar) 2:00pm Federal budget (Mar) 8:30am Initial claims (w/e prior Sat) 8:30am Retail sales (Mar)
10:00am Wholesale trade (Feb) 8:30am Import prices (Mar) 8:30am PPI (Mar)
10:00am JOLTS (Feb) FOMC minutes 9:55am Consumer sentiment (Apr pre)
Auction 30-year bond (r) 10:00am Business inventories (Feb)
Auction 3-year note Auction 10-year note (r)
15 16 17 18 19
8:30am Empire State survey (Apr) 8:30am CPI (Mar) 2:00pm Beige book 8:30am Initial claims (w/e prior Sat)
9:00am TIC data (Feb) 8:30am Housing starts (Mar) 10:00am Philadelphia Fed survey (Apr)
10:00am NAHB survey (Apr) 9:15am Industrial production (Mar) 10:00am Leading indicators (Mar)
Auction 5-year TIPS
22 23 24 25 26
10:00am Existing home sales (Mar) 8:58am Manufacturing PMI (Apr flash) 8:30am Durable goods (Mar) 8:30am Initial claims (w/e prior Sat) 8:30am Real GDP (1Q adv)
9:00am FHFA HPI (Feb) 11:00am KC Fed survey (Apr) 9:55am Consumer sentiment
10:00am New home sales (Mar) (Apr final)
10:00am Richmond Fed survey (Apr) Auction 5-year note Auction 7-year note
Auction 2-year note
29 30
8:30am Personal income (Mar) 8:30am Employment cost index (1Q) MARCH MAY
10:00am Pending home sales (Mar) 9:00am S&P/Case-Shiller HPI (Feb)
M T W T F S S M T W T F S S
10:30am Dallas Fed survey (Apr) 9:45am Chicago PMI (Apr)
1 2 3 1 2 3 4 5
10:00am Consumer confidence (Apr)
4 5 6 7 8 9 10 6 7 8 9 10 11 12
10:00am Housing vacancies (1Q)
11 12 13 14 15 16 17 13 14 15 16 17 18 19
18 19 20 21 22 23 24 20 21 22 23 24 25 26
FOMC meeting
25 26 27 28 29 30 31 27 28 29 30 31
All Treasury auction dates are tentative. www.morganmarkets.com
7. MAY 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1 2 3
APRIL JUNE 8:15am ADP employment (Apr) 8:30am Initial claims (w/e prior Sat) 8:30am Employment (Apr)
M T W T F S S M T W T F S S 8:58am Manufacturing PMI (Apr final) 8:30am International trade (Mar) 10:00am ISM nonmanufacturing (Apr)
1 2 3 4 5 6 7 1 2 10:00am ISM manufacturing (Apr) 8:30am Productivity and costs 10:00am Factory orders (Mar)
8 9 10 11 12 13 14 3 4 5 6 7 8 9 10:00am Construction spending (Mar) (1Q pre)
15 16 17 18 19 20 21 10 11 12 13 14 15 16 Light vehicle sales (Apr) Chain store sales (Apr)
22 23 24 25 26 27 28 17 18 19 20 21 22 23
29 30 24 25 26 27 28 29 30 FOMC statement (2:15pm)
6 7 8 9 10
2:00pm Senior loan officer survey 10:00am JOLTS (Mar) 8:30am Initial claims (w/e prior Sat) 2:00pm Federal budget (Apr)
(2Q, tentative) 3:00pm Consumer credit (Mar) 10:00am Wholesale trade (Mar)
Auction 3-year note Auction 10-year note Auction 30-year bond
13 14 15 16 17
8:30am Retail sales (Apr) 7:30am NFIB survey (Apr) 8:30am PPI (Apr) 8:30am Initial claims (w/e prior Sat) 9:55am Consumer sentiment
10:00am Business inventories (Mar) 8:30am Import prices (Apr) 8:30am Empire State survey (May) 8:30am CPI (Apr) (May pre)
9:00am TIC data (Mar) 8:30am Housing starts (Apr) 10:00am Leading indicators (Apr)
9:15am Industrial production (Apr) 10:00am Philadelphia Fed survey (May)
10:00am NAHB survey (May)
Auction 10-year TIPS (r)
20 21 22 23 24
Auction 2-year note 10:00am Existing home sales (Apr) 8:30am Initial claims (w/e prior Sat) 8:30am Durable goods (Apr)
8:58am Manufacturing PMI (May flash)
FOMC minutes 9:00am FHFA HPI (Mar, 1Q)
10:00am New home sales (Apr)
Auction 5-year note 11:00am KC Fed survey (May)
Auction 7-year note
27 28 29 30 31
9:00am S&P/Case-Shiller HPI 8:30am Initial claims (w/e prior Sat) 8:30am Personal income (Apr)
(Mar, 1Q) 8:30am Real GDP (1Q second) 9:45am Chicago PMI (May)
Memorial Day 10:00am Consumer confidence (May) 10:00am Pending home sales (Apr) 9:55am Consumer sentiment
Markets closed 10:00am Richmond Fed survey (May) (May final)
10:30am Dallas Fed survey (May)
All Treasury auction dates are tentative. www.morganmarkets.com
8. JUNE 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
3 4 5 6 7
8:58am Manufacturing PMI (May final) 8:30am International trade (Apr) 8:15am ADP employment (May) 8:30am Initial claims (w/e prior Sat) 8:30am Employment (May)
10:00am ISM manufacturing (May) 8:30am Productivity and costs (1Q rev) Chain store sales (May) 3:00pm Consumer credit (Apr)
10:00am Construction spending (Apr) 10:00am ISM nonmanufacturing (May)
Light vehicle sales (May) 10:00am Factory orders (Apr)
2:00pm Beige book
10 11 12 13 14
7:30am NFIB survey (May) 2:00pm Federal budget (May) 8:30am Initial claims (w/e prior Sat) 8:30am PPI (May)
10:00am Wholesale trade (Apr) 8:30am Retail sales (May) 8:30am Current account (1Q)
10:00am JOLTS (Apr) 8:30am Import prices (May) 9:15am Industrial production (May)
Auction 10-year note (r) 10:00am Business inventories (Apr) 9:55am Consumer sentiment (Jun pre)
Auction 3-year note
Auction 30-year bond (r)
17 18 19 20 21
8:30am Empire State survey (Jun) 8:30am CPI (May) 8:30am Initial claims (w/e prior Sat)
9:00am TIC data (Apr) 8:30am Housing starts (May) 8:58am Manufacturing PMI (Jun flash)
10:00am NAHB survey (Jun) FOMC statement (12:30pm), 10:00am Existing home sales (May)
FOMC meeting projections (2:00pm), and press 10:00am Philadelphia Fed survey (Jun)
conference (2:15pm) 10:00am Leading indicators (May)
Auction 30-year TIPS (r)
24 25 26 27 28
10:30am Dallas Fed survey (Jun) 8:30am Durable goods (May) 8:30am Real GDP (1Q third) 8:30am Initial claims (w/e prior Sat) 9:45am Chicago PMI (Jun)
9:00am S&P/Case-Shiller HPI (Apr) 8:30am Personal income (May) 9:55am Consumer sentiment
9:00am FHFA HPI (Apr) 10:00am Pending home sales (May) (Jun final)
10:00am New home sales (May) Auction 5-year note 11:00am KC Fed survey (Jun)
10:00am Consumer confidence (Jun)
10:00am Richmond Fed survey (Jun) Auction 7-year note
Auction 2-year note
MAY JULY
M T W T F S S M T W T F S S
1 2 3 4 5 1 2 3 4 5 6 7
6 7 8 9 10 11 12 8 9 10 11 12 13 14
13 14 15 16 17 18 19 15 16 17 18 19 20 21
20 21 22 23 24 25 26 22 23 24 25 26 27 28
27 28 29 30 31 29 30 31
All Treasury auction dates are tentative. Flow of Funds (1Q) is expected in the first two weeks of the month. Household Debt Service and Financial Obligations (2Q) expected during month. www.morganmarkets.com
9. JULY 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1 2 3 4 5
8:58am Manufacturing PMI (Jun final) 10:00am Factory orders (May) 8:15am ADP employment (Jun) 8:30am Employment (Jun)
10:00am ISM manufacturing (Jun) Light vehicle sales (Jun) 8:30am Initial claims (w/e prior Sat)
10:00am Construction spending (May) 8:30am International trade (May)
10:00am ISM nonmanufacturing (Jun) Independence Day
Markets closed
8 9 10 11 12
3:00pm Consumer credit (May) 7:30am NFIB survey (Jun) 10:00am Wholesale trade (May) 8:30am Initial claims (w/e prior Sat) 8:30am PPI (Jun)
10:00am JOLTS (May) 8:30am Import prices (Jun) 9:55am Consumer sentiment (Jul pre)
2:00pm Federal budget (Jun)
FOMC minutes Chain store sales (Jun)
Auction 3-year note
Auction 10-year note (r) Auction 30-year bond (r)
15 16 17 18 19
8:30am Retail sales (Jun) 8:30am CPI (Jun) 8:30am Housing starts (Jun) 8:30am Initial claims (w/e prior Sat)
8:30am Empire State survey (Jul) 9:00am TIC data (May) 2:00pm Beige book 10:00am Philadelphia Fed survey (Jul)
10:00am Business inventories (May) 9:15am Industrial production (Jun) 10:00am Leading indicators (Jun)
10:00am NAHB survey (Jul)
Auction 10-year TIPS
22 23 24 25 26
10:00am Existing home sales (Jun) 9:00am FHFA HPI (May) 8:58am Manufacturing PMI (Jul flash) 8:30am Initial claims (w/e prior Sat) 9:55am Consumer sentiment (Jul final)
10:00am Richmond Fed survey (Jul) 10:00am New home sales (Jun) 8:30am Durable goods (Jun)
11:00am KC Fed survey (Jul)
Auction 2-year note Auction 5-year note Auction 7-year note
29 30 31
10:00am Pending home sales (Jun) 9:00am S&P/Case-Shiller HPI (May) 8:15am ADP employment (Jul) JUNE AUGUST
10:30am Dallas Fed survey (Jul) 10:00am Consumer confidence (Jul) 8:30am Real GDP (2Q adv) M T W T F S S M T W T F S S
10:00am Housing vacancies (2Q) 8:30am Employment cost index (2Q) 1 2 1 2 3 4
9:45am Chicago PMI (Jul) 3 4 5 6 7 8 9 5 6 7 8 9 10 11
FOMC meeting 10 11 12 13 14 15 16 12 13 14 15 16 17 18
FOMC statement (2:15pm) 17 18 19 20 21 22 23 19 20 21 22 23 24 25
24 25 26 27 28 29 30 26 27 28 29 30 31
All Treasury auction dates are tentative. www.morganmarkets.com
10. AUGUST 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1 2
JULY SEPTEMBER 8:30am Initial claims (w/e prior Sat) 8:30am Employment (Jul)
8:58am Manufacturing PMI (Jul final) 8:30am Personal income (Jun)
M T W T F S S M T W T F S S
10:00am ISM manufacturing (Jul) 10:00am Factory orders (Jun)
1 2 3 4 5 6 7 1
10:00am Construction spending (Jun)
8 9 10 11 12 13 14 2 3 4 5 6 7 8
Light vehicle sales (Jul)
15 16 17 18 19 20 21 9 10 11 12 13 14 15
Chain store sales (Jul)
22 23 24 25 26 27 28 16 17 18 19 20 21 22
29 30 31 23/30 24 25 26 27 28 29
5 6 7 8 9
10:00am ISM nonmanufacturing (Jul) 8:30am International trade (Jun) 3:00pm Consumer credit (Jun) 8:30am Initial claims (w/e prior Sat) 10:00am Wholesale trade (Jun)
2:00pm Senior loan officer survey 10:00am JOLTS (Jun)
(3Q, tentative)
Auction 3-year note Auction 10-year note Auction 30-year bond
12 13 14 15 16
2:00pm Federal budget (Jul) 7:30am NFIB survey (Jul) 8:30am PPI (Jul) 8:30am Initial claims (w/e prior Sat) 8:30am Housing starts (Jul)
8:30am Retail sales (Jul) 8:30am CPI (Jul) 8:30am Productivity and costs
8:30am Import prices (Jul) 8:30am Empire State survey (Aug) (2Q pre)
10:00am Business inventories (Jun) 9:00am TIC data (Jun) 9:55am Consumer sentiment
9:15am Industrial production (Jul) (Aug pre)
10:00am Philadelphia Fed survey (Aug)
10:00am NAHB survey (Aug)
19 20 21 22 23
10:00am Existing home sales (Jul) 8:30am Initial claims (w/e prior Sat) 10:00am New home sales (Jul)
8:58am Manufacturing PMI (Aug flash)
9:00am FHFA HPI (Jun, 2Q)
FOMC minutes 10:00am Leading indicators (Jul)
11:00am KC Fed survey (Aug)
Auction 5-year TIPS (r)
26 27 28 29 30
8:30am Durable goods (Jul) 9:00am S&P/Case-Shiller HPI 10:00am Pending home sales (Jul) 8:30am Initial claims (w/e prior Sat) 8:30am Personal income (Jul)
10:30am Dallas Fed survey (Aug) (Jun, 2Q) 8:30am Real GDP (2Q second) 9:45am Chicago PMI (Aug)
10:00am Consumer confidence (Aug) 9:55am Consumer sentiment
10:00am Richmond Fed survey (Aug) Auction 5-year note Auction 7-year note (Aug final)
Auction 2-year note
All Treasury auction dates are tentative. www.morganmarkets.com
11. SEPTEMBER 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
2 3 4 5 6
8:58am Manufacturing PMI (Aug final) 8:30am International trade (Jul) 8:15am ADP employment (Aug) 8:30am Employment (Aug)
10:00am ISM manufacturing (Aug) 2:00pm Beige book 8:30am Initial claims (w/e prior Sat)
Labor Day 10:00am Construction spending (Jul) Light vehicle sales (Aug) 8:30am Productivity and costs (2Q rev)
Markets closed 10:00am ISM nonmanufacturing (Aug)
10:00am Factory orders (Jul)
Chain store sales (Aug)
9 10 11 12 13
3:00pm Consumer credit (Jul) 7:30am NFIB survey (Aug) 10:00am Wholesale trade (Jul) 8:30am Initial claims (w/e prior Sat) 8:30am Retail sales (Aug)
10:00am JOLTS (Jul) 8:30am Import prices (Aug) 8:30am PPI (Aug)
2:00pm Federal budget (Aug) 9:55am Consumer sentiment (Sep pre)
Auction 3-year note Auction 10-year note (r) 10:00am Business inventories (Jul)
Auction 30-year bond (r)
16 17 18 19 20
8:30am Empire State survey (Sep) 8:30am CPI (Aug) 8:30am Housing starts (Aug) 8:30am Initial claims (w/e prior Sat)
9:15am Industrial production (Aug) 9:00am TIC data (Jul) 8:30am Current account (2Q)
10:00am NAHB survey (Sep) FOMC statement (12:30pm), 10:00am Existing home sales (Aug)
projections (2:00pm), and press 10:00am Philadelphia Fed survey (Sep)
FOMC meeting conference (2:15pm) 10:00am Leading indicators (Aug)
Auction 10-year TIPS (r)
23 24 25 26 27
8:58am Manufacturing PMI (Sep flash) 9:00am S&P/Case-Shiller HPI (Jul) 8:30am Durable goods (Aug) 8:30am Initial claims (w/e prior Sat) 8:30am Personal income (Aug)
9:00am FHFA HPI (Jul) 10:00am New home sales (Aug) 8:30am Real GDP (2Q third) 9:55am Consumer sentiment
10:00am Consumer confidence (Sep) 10:00am Pending home sales (Aug) (Sep final)
10:00am Richmond Fed survey (Sep) 11:00am KC Fed survey (Sep)
Auction 5-year note
Auction 2-year note Auction 7-year note
30
9:45am Chicago PMI (Sep) AUGUST OCTOBER
10:30am Dallas Fed survey (Sep) M T W T F S S M T W T F S S
1 2 3 4 1 2 3 4 5 6
5 6 7 8 9 10 11 7 8 9 10 11 12 13
12 13 14 15 16 17 18 14 15 16 17 18 19 20
19 20 21 22 23 24 25 21 22 23 24 25 26 27
26 27 28 29 30 31 28 29 30 31
All Treasury auction dates are tentative. Flow of Funds (2Q) is expected in the middle two weeks of the month. Household Debt Service and Financial Obligations (3Q) expected during month. www.morganmarkets.com
12. OCTOBER 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1 2 3 4
SEPTEMBER 8:58am Manufacturing PMI (Sep final) 8:15am ADP employment (Sep) 8:30am Initial claims (w/e prior Sat) 8:30am Employment (Sep)
M T W T F S S
10:00am ISM manufacturing (Sep) 10:00am ISM nonmanufacturing (Sep)
1
10:00am Construction spending (Aug) 10:00am Factory orders (Aug)
2 3 4 5 6 7 8
Light vehicle sales (Sep) Chain store sales (Sep)
9 10 11 12 13 14 15
16 17 18 19 20 21 22
23/30 24 25 26 27 28 29
7 8 9 10 11
3:00pm Consumer credit (Aug) 7:30am NFIB survey (Sep) 10:00am Wholesale trade (Aug) 8:30am Initial claims (w/e prior Sat) 8:30am Retail sales (Sep)
8:30am International trade (Aug) 8:30am Import prices (Sep) 8:30am PPI (Sep)
10:00am JOLTS (Aug) 2:00pm Federal budget (FY12) 9:55am Consumer sentiment (Oct pre)
FOMC minutes 10:00am Business inventories (Aug)
Auction 3-year note Auction 30-year bond (r)
Auction 10-year note (r)
14 15 16 17 18
8:30am Empire State survey (Oct) 8:30am CPI (Sep) 8:30am Initial claims (w/e prior Sat) 10:00am Leading indicators (Sep)
9:00am TIC data (Aug) 8:30am Housing starts (Sep)
Columbus Day 10:00am NAHB survey (Oct) 9:15am Industrial production (Sep)
Bond market closed 2:00pm Beige book 10:00am Philadelphia Fed survey (Oct)
Auction 30-year TIPS (r)
21 22 23 24 25
10:00am Existing home sales (Sep) 10:00am Richmond Fed survey (Oct) 9:00am FHFA HPI (Aug) 8:30am Initial claims (w/e prior Sat) 8:30am Durable goods (Sep)
8:58am Manufacturing PMI (Oct flash) 9:55am Consumer sentiment
Auction 2-year note Auction 5-year note 10:00am New home sales (Sep) (Oct final)
11:00am KC Fed survey (Oct)
Auction 7-year note
28 29 30 31
10:00am Pending home sales (Sep) 9:00am S&P/Case-Shiller HPI (Aug) 8:15am ADP employment (Oct) 8:30am Initial claims (w/e prior Sat) NOVEMBER
10:30am Dallas Fed survey (Oct) 10:00am Consumer confidence (Oct) 8:30am Real GDP (3Q adv) 8:30am Personal income (Sep) M T W T F S S
10:00am Housing vacancies (3Q) 8:30am Employment cost index (3Q) 1 2 3
9:45am Chicago PMI (Oct) 4 5 6 7 8 9 10
FOMC meeting FOMC statement (2:15pm) 11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30
All Treasury auction dates are tentative. www.morganmarkets.com
13. NOVEMBER 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
1
1 OCTOBER DECEMBER 8:30am Employment (Oct)
M T W T F S S M T W T F S S
8:58am Manufacturing PMI (Oct final)
1 2 3 4 5 6 1
10:00am ISM manufacturing (Oct)
7 8 9 10 11 12 13 2 3 4 5 6 7 8
10:00am Construction spending (Sep)
14 15 16 17 18 19 20 9 10 11 12 13 14 15
Light vehicle sales (Oct)
21 22 23 24 25 26 27 16 17 18 19 20 21 22
28 29 30 31 23/30 24/31 25 26 27 28 29
4 5 6 7 8
10:00am Factory orders (Sep) 8:30am International trade (Sep) 8:30am Productivity and costs (3Q pre) 8:30am Initial claims (w/e prior Sat) 9:55am Consumer sentiment (Nov pre)
2:00pm Senior loan officer survey 10:00am ISM nonmanufacturing (Oct) 3:00pm Consumer credit (Sep) 10:00am Wholesale trade (Sep)
(4Q, tentative) Auction 10-year note Chain store sales (Oct) 10:00am JOLTS (Sep)
Auction 3-year note
Auction 30-year bond
11 12 13 14 15
7:30am NFIB survey (Oct) 8:30am Import prices (Oct) 8:30am Initial claims (w/e prior Sat) 8:30am CPI (Oct)
2:00pm Federal budget (Oct) 8:30am Retail sales (Oct) 8:30am Empire State survey (Nov)
Veterans Day 8:30am PPI (Oct) 9:15am Industrial production (Oct)
Bond market closed 10:00am Business inventories (Sep)
Auction 10-year TIPS (r)
18 19 20 21 22
9:00am TIC data (Sep) 8:30am Housing starts (Oct) 10:00am Existing home sales (Oct) 8:30am Initial claims (w/e prior Sat) 11:00am KC Fed survey (Nov)
10:00am NAHB survey (Nov) 8:58am Manufacturing PMI (Nov flash)
FOMC minutes 10:00am Philadelphia Fed survey (Nov)
Auction 2-year note 10:00am Leading indicators (Oct)
Auction 5-year note
Auction 7-year note
25 26 27 28 29
10:00am Pending home sales (Oct) 8:30am Real GDP (3Q second) 8:30am Initial claims (w/e prior Sat)
10:30am Dallas Fed survey (Nov) 9:00am S&P/Case-Shiller HPI 8:30am Durable goods (Oct)
(Sep, 3Q) 8:30am Personal income (Oct) Thanksgiving Day
9:00am FHFA HPI (Sep, 3Q) 9:45am Chicago PMI (Nov) Markets closed
10:00am Consumer confidence (Nov) 9:55am Consumer sentiment
10:00am Richmond Fed survey (Nov) (Nov final)
10:00am New home sales (Oct)
All Treasury auction dates are tentative. www.morganmarkets.com
14. DECEMBER 2013
MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY
2 3 4 5 6
8:58am Manufacturing PMI (Nov final) Light vehicle sales (Nov) 8:15am ADP employment (Nov) 8:30am Initial claims (w/e prior Sat) 8:30am Employment (Nov)
10:00am ISM manufacturing (Nov) 8:30am International trade (Oct) 10:00am Factory orders (Oct) 9:55am Consumer sentiment (Dec pre)
10:00am Construction spending (Oct) 8:30am Productivity and costs (3Q rev) Chain store sales (Nov) 3:00pm Consumer credit (Oct)
10:00am ISM nonmanufacturing (Nov)
2:00pm Beige book
9 10 11 12 13
7:30am NFIB survey (Nov) 2:00pm Federal budget (Nov) 8:30am Initial claims (w/e prior Sat) 8:30am PPI (Nov)
10:00am Wholesale trade (Oct) 8:30am Retail sales (Nov)
10:00am JOLTS (Oct) Auction 10-year note (r) 8:30am Import prices (Nov)
10:00am Business inventories (Oct)
Auction 3-year note
Auction 30-year bond (r)
16 17 18 19 20
8:30am Empire State survey (Dec) 8:30am CPI (Nov) 8:30am Housing starts (Nov) 8:30am Initial claims (w/e prior Sat) 8:30am Real GDP (3Q third)
8:58am Manufacturing PMI (Dec flash) 8:30am Current account (3Q) 10:00am Existing home sales (Nov) 11:00am KC Fed survey (Dec)
9:00am TIC data (Oct) 10:00am NAHB survey (Dec) FOMC statement (12:30pm), 10:00am Philadelphia Fed survey (Dec)
9:15am Industrial production (Nov) projections (2:00pm), and press 10:00am Leading indicators (Nov)
FOMC meeting conference (2:15pm)
Auction 2-year note Auction 5-year TIPS (r)
Auction 5-year note Auction 7-year note
23 24 25 26 27
8:30am Personal income (Nov) 8:30am Durable goods (Nov) 8:30am Initial claims (w/e prior Sat)
9:55am Consumer sentiment 9:00am S&P/Case-Shiller HPI (Oct)
(Dec final) 9:00am FHFA HPI (Oct) Christmas Day
10:00am New home sales (Nov) Markets closed
10:00am Richmond Fed survey (Dec)
30 31
10:00am Pending home sales (Nov) 9:45am Chicago PMI (Dec) NOVEMBER JANUARY 2014
10:30am Dallas Fed survey (Dec) 10:00am Consumer confidence (Dec) M T W T F S S M T W T F S S
1 2 3 1 2 3 4 5
4 5 6 7 8 9 10 6 7 8 9 10 11 12
11 12 13 14 15 16 17 13 14 15 16 17 18 19
18 19 20 21 22 23 24 20 21 22 23 24 25 26
25 26 27 28 29 30 27 28 29 30 31
All Treasury auction dates are tentative. Flow of Funds (3Q) is expected in the first two weeks of the month. Household Debt Service and Financial Obligations (4Q) expected during month. www.morganmarkets.com