This document appears to be a presentation on small retail business in times of recession. It discusses the challenges facing large retailers and small sellers during an economic downturn. The author argues that private retail may offer opportunities for new businesses that can profit with minimal risk. The presentation provides advice on how small retailers can maintain and expand their customer base during a recession by clearly defining their purpose and value, revising their strategy, focusing on customer needs, and developing their brand through quality products and services.
Why Mobile is the Answer to a Connected Customer ExperienceNewStore Inc.
Dawn Trenson, Director of eCommerce at Steven Alan and Phil Granof, CMO at NewStore, discuss the impact of mobile on the connected in-store experience, including:
Providing a personalized omnichannel shopping experience
Empowering store associates
Ensuring accurate inventory
Obtaining a holistic view of consumer behavior, regardless of space and time
Background scenario drivers and critical issues with a focus on technology ...bdemchak
This document discusses technology trends driving changes in systems architecture. It notes rapid growth in computation, bandwidth, storage, and display capabilities (supply), creating demand from various stakeholders including corporations, individuals, and mobile users. This is making systems more complex, distributed, and community-oriented. It advocates for loosely coupled, service-oriented architectures and agile development processes to build scalable, interoperable, and manageable systems. Key roles discussed include web developers, utility providers, software providers, and virtual communities.
This document describes an IP/TCP network audio system for background music and paging solutions across multiple locations. The key components are a PC server running management software, network switches, and network audio adapters (T-6701) that connect existing PA systems to the network. The system allows centralized control of music/paging from a headquarters to branches using minimal existing network infrastructure. It supports flexible configuration from 10 to 7000 zones and easy expansion over LAN/WAN.
Bryson lists several of his interests which include sports, food, teams, and cars/trucks. The short list provides an overview of some of the things that Bryson enjoys like various athletic activities, eating, following sports organizations, and vehicles. The document gives a high-level view of Bryson's hobbies and pastimes in just a few words.
O documento descreve o sistema de crédito imobiliário brasileiro, comparando-o com outros países. Apresenta os principais conceitos do crédito imobiliário no Brasil, como SFH, SFI, funding e mutuário final. Realiza uma análise da relação crédito imobiliário/PIB do Brasil versus outros países entre 2008-2012, mostrando que no Brasil esse índice é menor.
El documento describe el Índice de Desarrollo Humano (IDH) de Hidalgo. Explica que el IDH resume el progreso en salud, educación e ingresos. Luego presenta estadísticas sobre las dimensiones del IDH en Hidalgo para 2008-2012 y compara su IDH con otras entidades. No puede determinar si el IDH de Hidalgo ha evolucionado, pero sugiere que debería incluirse la orientación sexual como una dimensión adicional para desarrollar las capacidades humanas.
Nathan Kintzi graduated from Iowa State University in 2015 with a Bachelor of Science in Chemical Engineering and a 2.8 GPA. He has research experience in analytical laboratories measuring samples precisely and recording data. He has also operated heavy machinery and ensured safety protocols were followed in biomass research. Kintzi held leadership roles as the founding father of the Delta Upsilon fraternity chapter and VP of Loss Prevention, where he created safety policies. He is also an Eagle Scout who led a large construction project. His skills include process simulation, control systems, safety regulations, and analytical instruments.
The information and views in this report, our website & all the service we provide are believed to be reliable, but we
do not accept any responsibility (or liability) for errors of fact or opinion. Users have the right to choose the product/s
that suits them the most.
Why Mobile is the Answer to a Connected Customer ExperienceNewStore Inc.
Dawn Trenson, Director of eCommerce at Steven Alan and Phil Granof, CMO at NewStore, discuss the impact of mobile on the connected in-store experience, including:
Providing a personalized omnichannel shopping experience
Empowering store associates
Ensuring accurate inventory
Obtaining a holistic view of consumer behavior, regardless of space and time
Background scenario drivers and critical issues with a focus on technology ...bdemchak
This document discusses technology trends driving changes in systems architecture. It notes rapid growth in computation, bandwidth, storage, and display capabilities (supply), creating demand from various stakeholders including corporations, individuals, and mobile users. This is making systems more complex, distributed, and community-oriented. It advocates for loosely coupled, service-oriented architectures and agile development processes to build scalable, interoperable, and manageable systems. Key roles discussed include web developers, utility providers, software providers, and virtual communities.
This document describes an IP/TCP network audio system for background music and paging solutions across multiple locations. The key components are a PC server running management software, network switches, and network audio adapters (T-6701) that connect existing PA systems to the network. The system allows centralized control of music/paging from a headquarters to branches using minimal existing network infrastructure. It supports flexible configuration from 10 to 7000 zones and easy expansion over LAN/WAN.
Bryson lists several of his interests which include sports, food, teams, and cars/trucks. The short list provides an overview of some of the things that Bryson enjoys like various athletic activities, eating, following sports organizations, and vehicles. The document gives a high-level view of Bryson's hobbies and pastimes in just a few words.
O documento descreve o sistema de crédito imobiliário brasileiro, comparando-o com outros países. Apresenta os principais conceitos do crédito imobiliário no Brasil, como SFH, SFI, funding e mutuário final. Realiza uma análise da relação crédito imobiliário/PIB do Brasil versus outros países entre 2008-2012, mostrando que no Brasil esse índice é menor.
El documento describe el Índice de Desarrollo Humano (IDH) de Hidalgo. Explica que el IDH resume el progreso en salud, educación e ingresos. Luego presenta estadísticas sobre las dimensiones del IDH en Hidalgo para 2008-2012 y compara su IDH con otras entidades. No puede determinar si el IDH de Hidalgo ha evolucionado, pero sugiere que debería incluirse la orientación sexual como una dimensión adicional para desarrollar las capacidades humanas.
Nathan Kintzi graduated from Iowa State University in 2015 with a Bachelor of Science in Chemical Engineering and a 2.8 GPA. He has research experience in analytical laboratories measuring samples precisely and recording data. He has also operated heavy machinery and ensured safety protocols were followed in biomass research. Kintzi held leadership roles as the founding father of the Delta Upsilon fraternity chapter and VP of Loss Prevention, where he created safety policies. He is also an Eagle Scout who led a large construction project. His skills include process simulation, control systems, safety regulations, and analytical instruments.
The information and views in this report, our website & all the service we provide are believed to be reliable, but we
do not accept any responsibility (or liability) for errors of fact or opinion. Users have the right to choose the product/s
that suits them the most.
Driving digital transformation in Automotive industryDebashis Majumder
This document discusses SAP's next-generation business suite, SAP S/4HANA. It highlights how SAP S/4HANA can help automotive companies simplify their technology landscape and business processes. Key benefits include reducing the total cost of ownership, increasing user productivity, and accelerating execution. The document also outlines SAP's roadmap for the automotive industry, including innovations in areas like material requirements planning, inventory management, and the universal journal. It positions SAP S/4HANA as enabling transformation for automotive companies by simplifying technology, transforming business processes, and empowering the business.
Resonance is a venture capital firm that partners with fashion brands to help them connect with passionate customers through creative design and successful business practices. They believe technology will transform the fashion industry by powering creators and driving changes across the ecosystem. In the next 10 years, they predict a shift from mass consumerization to more niche brands focused on specific customer segments. Economies of small will displace economies of scale, as speed, technology and precise execution allow small brands to succeed. Sustainability will also require real commitment and accountability driven by technology and social mandates. The future corporate giants will embrace small brands and manage hundreds under shared infrastructure.
This document discusses how to prepare for pregnancy through detoxification, diet, lifestyle changes, and supplementation. It recommends doing a 6-12 month detoxification prior to pregnancy by changing diet, exercise, household products, and supplements. Key lifestyle changes include achieving a healthy weight, reducing stress, exercising moderately, and quitting smoking. The document provides dietary guidelines, listing foods to avoid like caffeine, alcohol, trans fats and artificial sweeteners and foods to enjoy like slow carbs, plants foods, healthy fats and limited dairy. Supplements like prenatals, folic acid, vitamins B6, D, calcium, melatonin and CoQ10 are suggested. Laboratory testing and medication assessment are
El documento resume la filosofía árabe y judía medieval, destacando las contribuciones de Avicena, Averroes y Maimónides. Avicena intentó compatibilizar la filosofía griega con el Islam, distinguiendo entre ser necesario y contingente. Averroes realizó la síntesis más fiel del pensamiento aristotélico y propuso que la filosofía y religión son autónomas. Maimónides buscó armonizar la filosofía aristotélica con la doctrina judía en su obra "Guía de per
Este documento presenta información sobre la embriología del sistema locomotor y la formación de la cara. Incluye preguntas sobre las etapas del desarrollo embrionario como la gastrulación y la neurulación, y los mecanismos que ocurren durante la morfogénesis. También explica los procesos de diferenciación del mesodermo, desarrollo del cráneo y la cara, formación del paladar, y desarrollo de huesos y músculos del tronco y las extremidades.
China client seminar global retail roundup_NG_D2 250116 Norrelle Goldring
This document summarizes 5 global retail trends based on GfK's ConsumerLife 'Trendkeys'. It discusses the trends of Instant Everywhere (expectations of convenience and immediacy), Experience (prioritizing experiences over possessions through storytelling and novelty), We're All Influencers Now (the importance of peer recommendations through social media), Identity (pursuit of individuality through personalized and tailored offerings), and Streamlined (desire for simplicity and efficiency). Each trend is explained through insights and keywords, and retail implications and examples are provided to illustrate how companies can adapt.
BUSINESSLINK MAGAZINE JANUARY 2015 ISSUE
Insights, resources and opportunities for small to midsized firms and entrepreneurs to help accelerate your growth.
In the January Issue:
*Hit 2015 Running with a Mind Set for Success
*35 Great New Business Ideas for 2015
*Why a Lack of Systems is Impending Your Growth
*Learning from Strive Masiyiwa: How to Turn a Small Business into a Big Business
*13 Digital Marketing Trends and Predictions for 2015
*Entrepreneur on Fire: GTel Founder Chamunorwa Shumba is Connectiong Everyone
This document provides an overview of consumer market trends in Russia from 2014-2015. It analyzes various market segments including food, clothes, goods/services for children, entertainment/tourism, automobiles, real estate, interior decor, and draws conclusions. Key findings include a decline in consumer confidence in Russia compared to other European countries. The food and clothes segments saw price increases and consumers cutting back on non-essential purchases. Online shopping is growing while major retail chains are expanding. Certain sectors like goods for children remained stable. Overall the analysis finds mixed impacts on consumer behavior and spending due to economic changes and sanctions.
The document provides an agenda for the Consumer Goods Congress taking place on March 15, 2017. The agenda includes presentations and discussions on macroeconomic forecasts, consumer behavior trends, effective business strategies, exporting to European markets, marketing trends, and retail network strategies. Topics that will be covered include the economic conditions for producers and consumers, key consumer trends, lessons from 2015-2016 for achieving success in 2017, and how manufacturers can work with retail chains and export to new markets.
This document discusses research on the evolving Russian shopper and implications for understanding shopper behavior. Some key points:
1) Russian shoppers are becoming more price conscious and ethical. They care less about brands and status, and more about value and a company's social impact.
2) Hypermarkets and self-service stores are gaining popularity while kiosks and food markets are declining. Magnit and Auchan have increased awareness and traffic significantly in recent years.
3) To influence shoppers, retailers need to provide a positive shopping experience by making products easy to find and improving customer service. Faster shopping leads to higher sales.
4) Thorough market research is needed to understand shopper needs
This document summarizes key points from Greg Unsworth's presentation on the state of the Asian sport industry. It outlines that the global sports market was worth $130 billion in 2012, with Asia Pacific accounting for 19% of revenues. The market is expected to grow to $145 billion by 2015. The presentation addressed the size and growth of the sports market, how the game is changing in Asia through factors like sponsorship and merchandising, and challenges to unlocking further growth, such as financial sustainability and measuring sponsorship success.
I have been around in Fundraising circle with my two startups.
These are the learnings from my logical mistakes.
All the knowledge has emerged from experiential learning and more importantly by doing a lot of mistakes!
This document provides guidance on street smart marketing strategies for small businesses. It discusses defining the business using a triad model of customer segment, distribution approach, and product. Key aspects of marketing covered include segmentation, positioning the product, maintaining customer contacts, evaluating target markets, pricing strategies, and developing a simple marketing plan with priorities. The overall message is that marketing is about practical, action-oriented efforts to manage sales, products, pricing, and distribution for profitability.
BusinessLink, the magazine for growing companies, delivers real solutions for today’s innovative business builders. It gives advice, tools and resources to CEOs and owners of small-to-midsize companies as well as new entrepreneurs that help accelerate their growth.
Visit http://smebusinesslink/magazine to order your copy.
Presentación de la materia Global Entrepreneur perteneciente al Máster Universitario en Administración de Empresas MBA por la Universidad Internacional de Valencia. Junio de 2016.
NW Bierhaus Jerky is joining the ever-growing premium beef jerky market and they need to stand out against other artisanal brands. With the budget of $5,000 we created a repositioning campaign, and suggested they change their name to NW Refuge and change their packaging to a more premium packaging based on our primary and secondary research. On this project I worked as the account planner/media planner.
This document outlines a presentation on becoming a social business and embracing socially enabled consumers. It discusses the importance of having a social media strategy and customer engagement strategy. It provides statistics that show the value of responding quickly to customers on social media to increase sales and loyalty. The presentation discusses best practices for social customer care, including being timely, relevant and personalized. It also discusses how to build an engaged online community and create a social media center of excellence.
The document discusses Nvest, an investment recommendation platform. It notes that while many investors prefer human financial advice online, current recommendations can be unquantifiable and lacking transparency. Nvest aims to provide insightful and fully transparent stock recommendations through advanced analytical tools available for free. The document also outlines Nvest's business model of monetizing individual subscriptions and organizational private groups, and long term goals of launching stock analysis reports, mutual funds, and growing globally.
FIS Small Business Webinar October 12 2016Chris Wallner
This document discusses small business banking and opportunities for banks. It provides statistics showing small businesses are key drivers of the US economy. Charts show average monthly value per customer varies by product usage and business size. Insights from small business owners and banks suggest focusing on the most profitable 20% of customers. The document discusses using relationship value management to increase benefits for customers using multiple products and services. It provides an example of one bank's approach to business checking packages. The document emphasizes the importance of understanding customer needs and opportunities to develop profitable product solutions for small businesses.
Driving digital transformation in Automotive industryDebashis Majumder
This document discusses SAP's next-generation business suite, SAP S/4HANA. It highlights how SAP S/4HANA can help automotive companies simplify their technology landscape and business processes. Key benefits include reducing the total cost of ownership, increasing user productivity, and accelerating execution. The document also outlines SAP's roadmap for the automotive industry, including innovations in areas like material requirements planning, inventory management, and the universal journal. It positions SAP S/4HANA as enabling transformation for automotive companies by simplifying technology, transforming business processes, and empowering the business.
Resonance is a venture capital firm that partners with fashion brands to help them connect with passionate customers through creative design and successful business practices. They believe technology will transform the fashion industry by powering creators and driving changes across the ecosystem. In the next 10 years, they predict a shift from mass consumerization to more niche brands focused on specific customer segments. Economies of small will displace economies of scale, as speed, technology and precise execution allow small brands to succeed. Sustainability will also require real commitment and accountability driven by technology and social mandates. The future corporate giants will embrace small brands and manage hundreds under shared infrastructure.
This document discusses how to prepare for pregnancy through detoxification, diet, lifestyle changes, and supplementation. It recommends doing a 6-12 month detoxification prior to pregnancy by changing diet, exercise, household products, and supplements. Key lifestyle changes include achieving a healthy weight, reducing stress, exercising moderately, and quitting smoking. The document provides dietary guidelines, listing foods to avoid like caffeine, alcohol, trans fats and artificial sweeteners and foods to enjoy like slow carbs, plants foods, healthy fats and limited dairy. Supplements like prenatals, folic acid, vitamins B6, D, calcium, melatonin and CoQ10 are suggested. Laboratory testing and medication assessment are
El documento resume la filosofía árabe y judía medieval, destacando las contribuciones de Avicena, Averroes y Maimónides. Avicena intentó compatibilizar la filosofía griega con el Islam, distinguiendo entre ser necesario y contingente. Averroes realizó la síntesis más fiel del pensamiento aristotélico y propuso que la filosofía y religión son autónomas. Maimónides buscó armonizar la filosofía aristotélica con la doctrina judía en su obra "Guía de per
Este documento presenta información sobre la embriología del sistema locomotor y la formación de la cara. Incluye preguntas sobre las etapas del desarrollo embrionario como la gastrulación y la neurulación, y los mecanismos que ocurren durante la morfogénesis. También explica los procesos de diferenciación del mesodermo, desarrollo del cráneo y la cara, formación del paladar, y desarrollo de huesos y músculos del tronco y las extremidades.
China client seminar global retail roundup_NG_D2 250116 Norrelle Goldring
This document summarizes 5 global retail trends based on GfK's ConsumerLife 'Trendkeys'. It discusses the trends of Instant Everywhere (expectations of convenience and immediacy), Experience (prioritizing experiences over possessions through storytelling and novelty), We're All Influencers Now (the importance of peer recommendations through social media), Identity (pursuit of individuality through personalized and tailored offerings), and Streamlined (desire for simplicity and efficiency). Each trend is explained through insights and keywords, and retail implications and examples are provided to illustrate how companies can adapt.
BUSINESSLINK MAGAZINE JANUARY 2015 ISSUE
Insights, resources and opportunities for small to midsized firms and entrepreneurs to help accelerate your growth.
In the January Issue:
*Hit 2015 Running with a Mind Set for Success
*35 Great New Business Ideas for 2015
*Why a Lack of Systems is Impending Your Growth
*Learning from Strive Masiyiwa: How to Turn a Small Business into a Big Business
*13 Digital Marketing Trends and Predictions for 2015
*Entrepreneur on Fire: GTel Founder Chamunorwa Shumba is Connectiong Everyone
This document provides an overview of consumer market trends in Russia from 2014-2015. It analyzes various market segments including food, clothes, goods/services for children, entertainment/tourism, automobiles, real estate, interior decor, and draws conclusions. Key findings include a decline in consumer confidence in Russia compared to other European countries. The food and clothes segments saw price increases and consumers cutting back on non-essential purchases. Online shopping is growing while major retail chains are expanding. Certain sectors like goods for children remained stable. Overall the analysis finds mixed impacts on consumer behavior and spending due to economic changes and sanctions.
The document provides an agenda for the Consumer Goods Congress taking place on March 15, 2017. The agenda includes presentations and discussions on macroeconomic forecasts, consumer behavior trends, effective business strategies, exporting to European markets, marketing trends, and retail network strategies. Topics that will be covered include the economic conditions for producers and consumers, key consumer trends, lessons from 2015-2016 for achieving success in 2017, and how manufacturers can work with retail chains and export to new markets.
This document discusses research on the evolving Russian shopper and implications for understanding shopper behavior. Some key points:
1) Russian shoppers are becoming more price conscious and ethical. They care less about brands and status, and more about value and a company's social impact.
2) Hypermarkets and self-service stores are gaining popularity while kiosks and food markets are declining. Magnit and Auchan have increased awareness and traffic significantly in recent years.
3) To influence shoppers, retailers need to provide a positive shopping experience by making products easy to find and improving customer service. Faster shopping leads to higher sales.
4) Thorough market research is needed to understand shopper needs
This document summarizes key points from Greg Unsworth's presentation on the state of the Asian sport industry. It outlines that the global sports market was worth $130 billion in 2012, with Asia Pacific accounting for 19% of revenues. The market is expected to grow to $145 billion by 2015. The presentation addressed the size and growth of the sports market, how the game is changing in Asia through factors like sponsorship and merchandising, and challenges to unlocking further growth, such as financial sustainability and measuring sponsorship success.
I have been around in Fundraising circle with my two startups.
These are the learnings from my logical mistakes.
All the knowledge has emerged from experiential learning and more importantly by doing a lot of mistakes!
This document provides guidance on street smart marketing strategies for small businesses. It discusses defining the business using a triad model of customer segment, distribution approach, and product. Key aspects of marketing covered include segmentation, positioning the product, maintaining customer contacts, evaluating target markets, pricing strategies, and developing a simple marketing plan with priorities. The overall message is that marketing is about practical, action-oriented efforts to manage sales, products, pricing, and distribution for profitability.
BusinessLink, the magazine for growing companies, delivers real solutions for today’s innovative business builders. It gives advice, tools and resources to CEOs and owners of small-to-midsize companies as well as new entrepreneurs that help accelerate their growth.
Visit http://smebusinesslink/magazine to order your copy.
Presentación de la materia Global Entrepreneur perteneciente al Máster Universitario en Administración de Empresas MBA por la Universidad Internacional de Valencia. Junio de 2016.
NW Bierhaus Jerky is joining the ever-growing premium beef jerky market and they need to stand out against other artisanal brands. With the budget of $5,000 we created a repositioning campaign, and suggested they change their name to NW Refuge and change their packaging to a more premium packaging based on our primary and secondary research. On this project I worked as the account planner/media planner.
This document outlines a presentation on becoming a social business and embracing socially enabled consumers. It discusses the importance of having a social media strategy and customer engagement strategy. It provides statistics that show the value of responding quickly to customers on social media to increase sales and loyalty. The presentation discusses best practices for social customer care, including being timely, relevant and personalized. It also discusses how to build an engaged online community and create a social media center of excellence.
The document discusses Nvest, an investment recommendation platform. It notes that while many investors prefer human financial advice online, current recommendations can be unquantifiable and lacking transparency. Nvest aims to provide insightful and fully transparent stock recommendations through advanced analytical tools available for free. The document also outlines Nvest's business model of monetizing individual subscriptions and organizational private groups, and long term goals of launching stock analysis reports, mutual funds, and growing globally.
FIS Small Business Webinar October 12 2016Chris Wallner
This document discusses small business banking and opportunities for banks. It provides statistics showing small businesses are key drivers of the US economy. Charts show average monthly value per customer varies by product usage and business size. Insights from small business owners and banks suggest focusing on the most profitable 20% of customers. The document discusses using relationship value management to increase benefits for customers using multiple products and services. It provides an example of one bank's approach to business checking packages. The document emphasizes the importance of understanding customer needs and opportunities to develop profitable product solutions for small businesses.
'Jugaad' is the improvised, frugal Indian approach to innovation. It is becoming increasingly influential in the thinking of many corporations. This series of presentations examines creativity and innovation and means to apply proven techniques for driving systematic, repeatable and managed innovation in your company.
Selected 15: Winning Strategies of Russian Entrepreneurial ChampionsAndrey Shapenko
This research uncovers the lesser-known side of Russian business: the entrepreneurial stratum of dynamic, innovative and successful companies in the non-oil sector. It provides an account of 15 Russian companies that have grown to outperform or at least challenge international players not only in Russia but also in the global marketplace.
This research is a major contribution to the “Unknown Russia: Powered by Entrepreneurs” report produced by the World Economic Forum’s Global Agenda Council on Russia.
Innovation via Incubator and Accelerator - Does it really work? Insights from reality
by Holger Greif, Partner and Head of Digital Transformation @PwC Switzerland
Companies are faced with "Digitalization", "Disruption", "Startups attacking their value proposition" and many many other buzzwords. Their answer to the Innovation challenge is via Incubators and Accelerator formats, building their Innovation Center and building own teams. Holger will give insights into "reality" - what does work and where to companies play "Innovation theatre".
THE MOST EXPECTATION-RAISING INNOVATIONS OF 2015TrendWatching
AUGUST 2015 TREND BRIEFING
THE MOST EXPECTATION-RAISING INNOVATIONS OF 2015
These 15 innovations will set the customer expectations coming YOUR way soon!
Lora Cecere, Founder of Supply Chain Insights
Lora Cecere, Founder of Supply Chain Insights, kicks off the opening of the 2015 Supply Chain Insights Global Summit. In this presentation, she shares insights on the Supply Chains to Admire methodology and progress of industries on supply chain excellence.
A presentation from the 2015 Supply Chain Insights Global Summit
Similar to Smal retail in the conditions of recession (20)
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
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Budgeting as a Control Tool in Government Accounting in Nigeria
Being a Paper Presented at the Nigerian Maritime Administration and Safety Agency (NIMASA) Budget Office Staff at Sojourner Hotel, GRA, Ikeja Lagos on Saturday 8th June, 2024.
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.
How to Identify the Best Crypto to Buy Now in 2024.pdfKezex (KZX)
To identify the best crypto to buy in 2024, analyze market trends, assess the project's fundamentals, review the development team and community, monitor adoption rates, and evaluate risk tolerance. Stay updated with news, regulatory changes, and expert opinions to make informed decisions.
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
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.
Monthly Market Risk Update: June 2024 [SlideShare]Commonwealth
Markets rallied in May, with all three major U.S. equity indices up for the month, said Sam Millette, director of fixed income, in his latest Market Risk Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
What Lessons Can New Investors Learn from Newman Leech’s Success?Newman Leech
Newman Leech's success in the real estate industry is based on key lessons and principles, offering practical advice for new investors and serving as a blueprint for building a successful career.
Dr. Alyce Su Cover Story - China's Investment Leadermsthrill
In World Expo 2010 Shanghai – the most visited Expo in the World History
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Dr. Alyce Su Cover Story - China's Investment Leader
Smal retail in the conditions of recession
1. LOGO
Kiev, March, 30, 2009
Oleksandra Shpytyak, DSFA
autor and presenter
Svitlana Shmelova, PhD, DSFA
– adviser
Small retail in the
conditions of recession
2. June 15, 2015 2
Favorable possibility disappears among
difficulties and problems
Albert Einstein
Oleksandra Shpytyak. Small retail
in the condition of recession
3. June 15, 2015 3
Google on demand «crisis» finds
178 000 000 pages
on English-speaking sites
Oleksandra Shpytyak. Small retail
in the condition of recession
4. June 15, 2015 4
According to experts:
«present recession will at least 3
years, and, possible, even longer»
«the problems caused by present
economic recession, probably, will
be notable at 15 years»
Oleksandra Shpytyak. Small retail
in the condition of recession
5. June 15, 2015 5
In my opinion, private retail
is one of spheres where it
is possible to begin new
business and stably to
receive profit
in the circumstances
with the least risks.
Oleksandra Shpytyak. Small retail
in the condition of recession
6. June 15, 2015 6
The purpose of my work –
to show as we can don’t lose
business and even to find
profit in recession time at the
certain approach.
Oleksandra Shpytyak. Small retail
in the condition of recession
7. June 15, 2015 7
A present situation in
retail sphere
Oleksandra Shpytyak. Small retail
in the condition of recession
8. June 15, 2015 8
Large retail companies reconsider
they investment plans now
Long-term and large projects are “frozen”
CapEx-programs reduced
Low profitable and unprofitable shops are closed
Falling of demand for the goods
Present conditions of crediting by a foreign currency
weaken a position of large retail networks
Oleksandra Shpytyak. Small retail
in the condition of recession
9. June 15, 2015 9
Basic problem of the small seller
this is illiterate business dealing
Marketing researches aren’t carried out
Innovative activity isn’t conducted
The basic financial and economic indicators miscalculate
Falling of demand for the goods
Forecasts and strategy aren’t use
Oleksandra Shpytyak. Small retail
in the condition of recession
10. June 15, 2015 10
The “small boat” of the small retail
has a lot of risk at the big ocean of business,
but the small boat is more mobile and easy for
a timely course change
Oleksandra Shpytyak. Small retail
in the condition of recession
11. June 15, 2015 11
Small retail
in the conditions
of recession
Oleksandra Shpytyak. Small retail
in the condition of recession
12. June 15, 2015 12
For 70 % of Ukrainians
the main criterion of a choice of shop
is the convenient place
and a comprehensible price
Oleksandra Shpytyak. Small retail
in the condition of recession
13. June 15, 2015 13
Choice of shopTo receive the necessary goods
For the good price
Convenient place
Oleksandra Shpytyak. Small retail
in the condition of recession
14. June 15, 2015 14
«Market will don’t take former 25-30
thousand names of the goods which sell
retail networks.
The list of the goods will be reduced to 3-5
thousand and it there will be only those
goods which quickly turnover and is
cheaper»
president of the Ukrainian Trading Association
I.Balenko
Oleksandra Shpytyak. Small retail
in the condition of recession
15. June 15, 2015 15
Necessary to define correctly
the purposes of activity
for to keep and even to
expand clientele
and the business income
Oleksandra Shpytyak. Small retail
in the condition of recession
16. June 15, 2015 16
The basic questions
Q
What there is my business?For whom are we necessary?
Why my company here?
What is my uniqueness consists?
For whom we work?
What is distinguishes us
from other companies?
Oleksandra Shpytyak. Small retail
in the condition of recession
17. June 15, 2015 17
Revision of strategy or its formulation
- if it hasn’t been made before -
should become by the first step
Oleksandra Shpytyak. Small retail
in the condition of recession
18. June 15, 2015 18
“If you don’t know where you are going,” the
Scarecrow said to Dorothy, “it doesn’t matter
which road you take.”
Oleksandra Shpytyak. Small retail
in the condition of recession
19. June 15, 2015 19
Any business company receives the
income by satisfies requirements of the
buyer for the goods
Today’s direction should become:
on requirement of buyers,
taking into account their new financial
situation,
taking into account their new style of a
life or consumer preferences
Oleksandra Shpytyak. Small retail
in the condition of recession
20. June 15, 2015 20
“You”
“what you receive?”
“what we do for you?”
“We”
“we work for you”
“we try for you”
Oleksandra Shpytyak. Small retail
in the condition of recession
21. June 15, 2015 21
People don’t buy the goods
but they solve their problems
by purchase of these goods
People don’t buy service
but people solve their problems
by acquisition of these services
Oleksandra Shpytyak. Small retail
in the condition of recession
22. June 15, 2015 22
On what lose small retail
and as it to correct
Oleksandra Shpytyak. Small retail
in the condition of recession
23. June 15, 2015 23
is required
1
Market research
of consumer
preferences
2
Research of
satisfaction and
loyalty of clients
3
Research of
image of the
company
Oleksandra Shpytyak. Small retail
in the condition of recession
24. June 15, 2015 24
The company
purposes
=
the purposes of
its employees
Basic formula
of company motivation
Values of the
company
=
values of its
employees
Oleksandra Shpytyak. Small retail
in the condition of recession
25. June 15, 2015 25
It is necessary
to concentrate efforts to
creation
of a complementary team
Oleksandra Shpytyak. Small retail
in the condition of recession
26. June 15, 2015 26
For reception of competitive advantage
at a difficult economic situation
it is necessary to use all possibilities
and to take into consideration
all existing thoughts and the points of view
Oleksandra Shpytyak. Small retail
in the condition of recession
27. June 15, 2015 27
It is possible to use the personnel
in quality of trend spotters
for to be well informed
about new ideas
Oleksandra Shpytyak. Small retail
in the condition of recession
28. June 15, 2015 28
For a practical estimation
of quality of work of sellers:
«the latent buyer»
«shopping by phone»
Oleksandra Shpytyak. Small retail
in the condition of recession
29. June 15, 2015 29
Incremental innovations for services
are the perspective phenomenon
for small retail
Oleksandra Shpytyak. Small retail
in the condition of recession
30. June 15, 2015 30
«More often the buyers
doesn’t know what they wants,
until someone will not offer it»
Business should define –
what is necessary for the buyer&client today
and to guess -
what for clients will be necessary tomorrow
Oleksandra Shpytyak. Small retail
in the condition of recession
31. June 15, 2015 31
It is necessary to analyze, generate
and make use of experience
of other successful companies
for satisfaction of today's requirements of
clients
Oleksandra Shpytyak. Small retail
in the condition of recession
32. June 15, 2015 32
Price
Quality
Service
Availability
Can be copied by your
competitors
But it is impossible to
copy corporate culture
and a bright brand.
Oleksandra Shpytyak. Small retail
in the condition of recession
33. June 15, 2015 33
Thus always it is necessary
to be ready to show the goods,
its quality and freshness.
Quality and freshness of goods
and your business ideas
should be the truth.
Oleksandra Shpytyak. Small retail
in the condition of recession
34. June 15, 2015 34
Conclusions
Oleksandra Shpytyak. Small retail
in the condition of recession
35. June 15, 2015 35
“the important factor
of recession of an economic conjuncture,
except deficiency of credit resources,
is “uncertainty in economy”
Oleksandra Shpytyak. Small retail
in the condition of recession
36. June 15, 2015 36
Transparency
Sustainability
Responsibility
New characteristic
of the successful company
Oleksandra Shpytyak. Small retail
in the condition of recession
37. June 15, 2015 37
TheClient
Team
Professionalism
YourText
Responsibility
Should become the basic values of business in Ukraine today
Oleksandra Shpytyak. Small retail
in the condition of recession
38. June 15, 2015 38
Three persons worked,
they did the same work.
But when their have been asked
what they do,
answers were a different.
I wish to all of us
to build a Temple of Our Life
One has said: "I crush stone"
Other has said: "I make money for life by myself "
The third has answered: "I build a Temple“
Oleksandra Shpytyak. Small retail
in the condition of recession
39. LOGO
Thanks a lot for your attentionThanks a lot for your attention
Questions?
Oleksandra Shpytyak, DSFA
Svitlana Shmelova, PhD,
DSFA, depwr@a-teleport.com
Editor's Notes
All people now talk about crisis.
Google on demand «crisis» finds 178 000 000 pages and it is on English-speaking sites only.
But I think that this word spreads panic and stupor, and I will talk about “recession”.
According to experts,
«the problems caused by present economic recession, probably, will be notable at 15 years».
But it doesn’t mean that people will stop to live and consume essential commodities.
People will use a foodstuff and will be treated,
people will to die and will be born,
people even will marry but in New Style, corresponding to this time.
In my opinion, private retail is one of spheres where it is possible to begin new business and stably to receive profit in the circumstances with the least risks.
The purpose of my work – to show as we can don’t lose business and even to find profit in recession time at the certain approach.
The large retail companies reconsider they investment plans now.
Long-term and large projects are “frozen”
CapEx-programs reduced,
low profitable and unprofitable shops are closed.
Falling of demand for the goods
present conditions of crediting by a foreign currency weaken a position of large retail networks.
At this time some private shops of retail trade are ruined, because don’t maintain a competition with large network supermarkets in a competition on quality of service, assortment of production and on a number of other indicators.
the basic problem of the small seller this is illiterate business dealing
As result, we can meet frequently as small sellers have inert reaction for change of consumer inquiries of the buyer.
But the modern situation demands fast and adequate decisions.
At the same time, in my opinion,
small retail has every chance for to receive a part of the market from large network business while this network have financial problems.
The “small boat” of the small retailа has a lot of risk at the big ocean of business, but the small boat is more mobile and easy for a timely course change.
According to data of research of GFK company, «for 70 % of Ukrainians the main criterion of a choice of shop is the convenient place and a comprehensible price»
As a matter of fact, for the buyer all the same where to buy products
and hasn’t value it is the big supermarket or small shop.
The main thing in this situation is to receive the necessary goods for the good price, to receive a correct combination of the price and quality
Thus, inquiries of buyers have changed also
The list of the goods will be reduced from 25-30 thousand names to 3-5 thousand and it there will be only those goods which quickly turnover and is cheaper
For small retailу it is necessary to define correctly the purposes of activity
for to keep and even to expand clientele and the business income.
With confidence it is possible to say,
that in a present situation many courageous and ready to run risks companies receive chance to have a profitable business
and will find the niches of the market, released under the influence of crisis.
Nowadays companies must to answer the basic questions for this purpose:
What there is my business?
Why my company here?
What is my uniqueness consists?
What is distinguishes us from other companies?
For whom we work?
For whom are we necessary?
Revision of strategy or its formulation - if it hasn’t been made before –
should become by the first step.
Because
“If you don’t know where you are going,” the Scarecrow said to Dorothy,
“it doesn’t matter which road you take.”
During this difficult time it is necessary to remember:
any business company receives the income by satisfies requirements of the buyer for the goods
Therefore today the rate should become on requirement of buyers,
taking into account their new financial situation,
their new style of a life or consumer preferences.
It is necessary to change language of dialogue with clients,
plentifully adding words “You” (for example, “what you receive? and “what we do for you?”) and
“we” (“we work for you”, “we try for you”)
It is daily necessary to remember:
people don’t buy the goods but they solve their problems by purchase of these goods.
Similarly people don’t buy service but people solve their problems by acquisition of these services.
It is especially actually today.
For to get competitive advantage in small retail in recession, it is necessary to accept a concrete complex of the activities,
which are directed to adaptation for new conditions of the market.
Market research of consumer preferences,
research of satisfaction and loyalty of clients,
research of image of the company
is required.
In my opinion, the basic company’s problems on are often reduced to qualification of the personnel and its motivation.
We have got used to perceive employees as victim of crash of the companies, but often employees is reasons of crash, unfortunately.
Basic formula of company motivation should become:
the company purposes = the purposes of its employees.
values of the company = values of its employees.
It is necessary to concentrate efforts to creation of a complementary team,
for which individual strengths of its members become the general and productive,
and weaknesses of team members haven’t sense anymore
because are already compensated by strengths of other team members.
For reception of competitive advantage in a difficult economic situation
it is necessary to use all possibilities and
to take into consideration all existing thoughts and the points of view.
It is possible to use the personnel in quality of trend spotters
for to be well informed about new ideas
For a practical estimation of quality of work of sellers and advisers a quality monitoring,
as «the latent buyer» or «shopping by phone», is used.
Incremental innovations for services
are the perspective phenomenon
for small retail
«More often the buyers doesn’t know what they wants,
until someone will not offer it»
Business should define – what is necessary for the buyer&client today
and to guess - what for clients will be necessary tomorrow
It is necessary to analyze, generate and make use of experience of other successful companies
for satisfaction of today's requirements of clients
We know that price, quality, availability, service can be copied by competitors.
But it is impossible to copy corporate culture and a bright brand, even from very small company.
Seller always must to be ready to show the goods, its quality and freshness.
Quality and freshness of your goods and your business ideas should be the truth.
Economists of Stanford University have come to conclusion,
that «the important factor of recession of an economic conjuncture, except deficiency of credit resources, is “uncertainty in economy “
In their opinion, this indicator is panic display. «Uncertainty in economy» isn’t supported by a personal damage and is a negative consequence of rough discussions in mass-media.
Thus leaves, that turning of activity of the enterprises in the field of private retail in Ukraine in many cases groundlessly,
if the difficult financial position or cardinal change of services conditions doesn’t take place.
In my opinion, in connection with a situation in the world, the characteristic and value of the successful company have changed:
When your company is as much as possible transparent (transparency) and it became new value in new time. Today respect the companies which openly talk both about their strengths and about weaknesses.
«To work effectively» today isn’t anymore by the basic criterion of success. It is important to seize mind and adherence of people which work in the company both which buy the goods and services. Only it provides stable growth of the company (sustainability). Sustainability is a new value of new time.
One more value is responsibility and conformity to public morals. We would like to regulate our activity norms and standards which already are in the market today? Or we would like to be proactive and to advance competitors even if we have already reached standards? Figuratively speaking, we wish «to quarrel because of gas problems today or we wish to create new power branch and to develop alternative power for tomorrow»?
In a present uneasy situation money should become by the award for the received knowledge and the gained skills.
This way from money to ideas, to deep understanding and belief can become chance and serious evolution of the Ukrainian business from a post communistic system to open world.
The Client, Team, Professionalism, Responsibility should become the basic values of business in Ukraine today.
Three persons worked, they did the same work.
But when their have been asked what they do, answers were a different.
One has said: "I crush stone",
Other has said: "I make money for life by myself ",
The third has answered: "I build a Temple“.
I wish to all of us to build a Temple of Our Life