1) The US stock market finished the quarter at multi-year highs while European crisis continued.
2) Key events included the US Supreme Court upholding most of the Affordable Care Act, Facebook's IPO valuing the firm over $100 billion, and JPMorgan reporting $2 billion in trading losses.
3) Global stock markets retreated in the quarter giving up gains for the year as fiscal problems in Europe weighed on international markets while US bonds saw increased demand and lower yields.
The document discusses strategies for repositioning a fixed income allocation in anticipation of rising interest rates. It recommends adding assets like emerging market debt, bank loans, mezzanine debt, and real estate debt to diversify exposure and increase yields. These less liquid investments may offer better opportunities for returns but also carry more risk, as they could fall more in a market downturn if investors flee to more liquid assets. The document concludes that making adjustments to a fixed income portfolio to prepare for higher rates is prudent, in order to allocate funds to strategies that will perform better in the anticipated environment.
The document provides an overview of London Life's participating life insurance account for 2011. It discusses London Life's accountability, strength, and long-term performance in managing the participating account. Some key points:
- London Life has distributed dividends to participating policyowners every year since 1886 and continues to have the largest participating account in Canada.
- The participating account is managed separately from the shareholder account under provisions of the Insurance Companies Act (ICA) of Canada.
- In 2011, dividends distributed to participating policyowners were $757 million, with the dividend scale interest rate maintained at 6.9%.
- London Life has strong credit ratings and $19.8 billion in total participating account assets,
Time to Face the Music: TARP Update and the Fiscal CliffInside Analysis
Federal Spending Episode 14
Live Webcast on Dec. 12, 2012
The implementation of the Troubled Asset Relief Program (TARP) turned a lot of heads, not so much because the government was offering financial assistance, but because it did so at such an enormous scale. While opponents criticized the bailout for its enduring burden on taxpayers, supporters pointed to its necessity in order to keep the failing economy afloat. Now in its third year, many are left wondering: how successful has the program been and what unforeseen consequences emerged because of it?
Join host Eric Kavanagh for this episode of Federal Spending to hear former TARP regulator Amy Poster review the program’s successes and shortcomings. She will also discuss the looming “fiscal cliff” and what its implications could mean for the economy. She will be joined by Bloor Group Analyst and former operations manager Jessica Marie, who will shed light on TARP’s impact on small and mid-sized banks. Robin Bloor, Chief Analyst at The Bloor Group, will offer some perspective on the Federal Reserve's Quantitative Easing programs, and what impact they may have had on inflating the overall value of the stock market.
Visit: http://www.insideanalysis.com
Photo credits:
Svilen Milev www.efffective.com
Scott Liddell www.scottliddell.net
There has been a lot of discussion in the media and in the
financial sector, about the state of struggling European
markets, and particularly about the Greek economy. More
broadly, people are concerned about what overall impact
the distressed Euro Zone could have on financial institutions
here in the United States if confidence in the Euro’s stability
continues to deteriorate.
As always, when talking about the future of the international
market, and more particularly about banks and Credit Unions
here in the United States, it’s difficult to say anything with
certainty. In this case, that difficulty is only increased by the
likelihood that banks and Credit Unions would be affected
differently. For more info: www.nafcu.org/bfb
The document provides details on Pepco Holdings' 2003 performance and future plans. It discusses challenges faced in 2003 including an energy trading loss, Mirant's bankruptcy, and Hurricane Isabel. However, actions taken in 2003 such as divesting non-core businesses and reducing risk are expected to set the stage for future earnings growth. The company remains focused on strengthening its core power delivery business and improving customer satisfaction.
The board plays an oversight and governance role in M&A transactions, with responsibilities that include approving strategic plans, evaluating proposed acquisitions and assessing resources, overseeing management, and maximizing shareholder value. For significant transactions, the board is highly involved in reviewing financial details, integration plans, and deal execution. In a company sale, the board must ensure it fulfills its duties to shareholders by establishing an process to secure the best available price through a market check and ability to accept superior offers.
The document is a report from the Government Accountability Office that analyzes options for revising the long-term structures of Fannie Mae and Freddie Mac. It finds that the enterprises have a mixed record in meeting their missions and capital deficiencies compromised their safety and soundness. The report identifies options that range from reconstituting the enterprises as for-profit companies with more restrictions to establishing them as government agencies or privatizing them, and discusses trade-offs of each approach.
whirlpool Shareholders and Other Informationfinance13
This document provides information about Whirlpool Corporation's financial reports, stock prices, dividends, and board of directors. Shareholders can request Whirlpool's annual report, financial statements, and other financial information for free. The document also describes Whirlpool's direct stock purchase plan which allows shareholders and non-shareholders to purchase and sell shares, and provides the company's stock split and dividend history from 1952 to 2007. It lists the market high and low prices for Whirlpool stock each quarter from 2005 to 2006, and notes that Whirlpool paid a dividend of $0.43 per share each quarter in 2005 and 2006. Finally, it lists the 27 current members of Whirlpool's board of directors.
The document discusses strategies for repositioning a fixed income allocation in anticipation of rising interest rates. It recommends adding assets like emerging market debt, bank loans, mezzanine debt, and real estate debt to diversify exposure and increase yields. These less liquid investments may offer better opportunities for returns but also carry more risk, as they could fall more in a market downturn if investors flee to more liquid assets. The document concludes that making adjustments to a fixed income portfolio to prepare for higher rates is prudent, in order to allocate funds to strategies that will perform better in the anticipated environment.
The document provides an overview of London Life's participating life insurance account for 2011. It discusses London Life's accountability, strength, and long-term performance in managing the participating account. Some key points:
- London Life has distributed dividends to participating policyowners every year since 1886 and continues to have the largest participating account in Canada.
- The participating account is managed separately from the shareholder account under provisions of the Insurance Companies Act (ICA) of Canada.
- In 2011, dividends distributed to participating policyowners were $757 million, with the dividend scale interest rate maintained at 6.9%.
- London Life has strong credit ratings and $19.8 billion in total participating account assets,
Time to Face the Music: TARP Update and the Fiscal CliffInside Analysis
Federal Spending Episode 14
Live Webcast on Dec. 12, 2012
The implementation of the Troubled Asset Relief Program (TARP) turned a lot of heads, not so much because the government was offering financial assistance, but because it did so at such an enormous scale. While opponents criticized the bailout for its enduring burden on taxpayers, supporters pointed to its necessity in order to keep the failing economy afloat. Now in its third year, many are left wondering: how successful has the program been and what unforeseen consequences emerged because of it?
Join host Eric Kavanagh for this episode of Federal Spending to hear former TARP regulator Amy Poster review the program’s successes and shortcomings. She will also discuss the looming “fiscal cliff” and what its implications could mean for the economy. She will be joined by Bloor Group Analyst and former operations manager Jessica Marie, who will shed light on TARP’s impact on small and mid-sized banks. Robin Bloor, Chief Analyst at The Bloor Group, will offer some perspective on the Federal Reserve's Quantitative Easing programs, and what impact they may have had on inflating the overall value of the stock market.
Visit: http://www.insideanalysis.com
Photo credits:
Svilen Milev www.efffective.com
Scott Liddell www.scottliddell.net
There has been a lot of discussion in the media and in the
financial sector, about the state of struggling European
markets, and particularly about the Greek economy. More
broadly, people are concerned about what overall impact
the distressed Euro Zone could have on financial institutions
here in the United States if confidence in the Euro’s stability
continues to deteriorate.
As always, when talking about the future of the international
market, and more particularly about banks and Credit Unions
here in the United States, it’s difficult to say anything with
certainty. In this case, that difficulty is only increased by the
likelihood that banks and Credit Unions would be affected
differently. For more info: www.nafcu.org/bfb
The document provides details on Pepco Holdings' 2003 performance and future plans. It discusses challenges faced in 2003 including an energy trading loss, Mirant's bankruptcy, and Hurricane Isabel. However, actions taken in 2003 such as divesting non-core businesses and reducing risk are expected to set the stage for future earnings growth. The company remains focused on strengthening its core power delivery business and improving customer satisfaction.
The board plays an oversight and governance role in M&A transactions, with responsibilities that include approving strategic plans, evaluating proposed acquisitions and assessing resources, overseeing management, and maximizing shareholder value. For significant transactions, the board is highly involved in reviewing financial details, integration plans, and deal execution. In a company sale, the board must ensure it fulfills its duties to shareholders by establishing an process to secure the best available price through a market check and ability to accept superior offers.
The document is a report from the Government Accountability Office that analyzes options for revising the long-term structures of Fannie Mae and Freddie Mac. It finds that the enterprises have a mixed record in meeting their missions and capital deficiencies compromised their safety and soundness. The report identifies options that range from reconstituting the enterprises as for-profit companies with more restrictions to establishing them as government agencies or privatizing them, and discusses trade-offs of each approach.
whirlpool Shareholders and Other Informationfinance13
This document provides information about Whirlpool Corporation's financial reports, stock prices, dividends, and board of directors. Shareholders can request Whirlpool's annual report, financial statements, and other financial information for free. The document also describes Whirlpool's direct stock purchase plan which allows shareholders and non-shareholders to purchase and sell shares, and provides the company's stock split and dividend history from 1952 to 2007. It lists the market high and low prices for Whirlpool stock each quarter from 2005 to 2006, and notes that Whirlpool paid a dividend of $0.43 per share each quarter in 2005 and 2006. Finally, it lists the 27 current members of Whirlpool's board of directors.
The document discusses how to determine a safe withdrawal rate from an investment portfolio during retirement without risking running out of money. It addresses calculating spending based on factors like investment returns, retirement length, income sources, and accounting for inflation. The key is balancing spending with preserving enough money to last a retiree's entire lifetime through different market conditions.
This document discusses the benefits of a Roth IRA conversion. It notes that individuals age 50+ have a higher contribution limit and catch-up provision for Roth IRAs. It provides an example of a 50-year-old with a $500,000 traditional IRA who could convert $100,000 in 2012 at a 25% tax rate, saving over $6,000 compared to converting the same amount in 2013 at a 28% rate. It recommends keeping conversion amounts if accounts are up 17.9% or more to offset taxes. The document promotes comprehensive wealth management services.
This document outlines David Marotta's recommendations for asset allocation and portfolio construction. It recommends diversifying across six main asset classes: short-term bonds, domestic bonds, foreign bonds, domestic stocks, foreign stocks, and hard assets. Sample asset allocation portfolios are provided for different age groups. Specific low-cost index ETFs are recommended to implement the allocations. The portfolio emphasizes value and small cap tilts for US stocks and specific country tilts for foreign stocks. It advises monitoring the portfolio annually and rebalancing when needed.
This document discusses the benefits of a Roth IRA conversion. It notes that individuals age 50+ have a higher contribution limit and catch-up provision for Roth IRAs. It provides an example of a 50-year-old with a $500,000 traditional IRA who could convert $100,000 in 2012 at a 25% tax rate, or $89,286 in 2013 at a 28% rate. It recommends keeping converted funds in accounts if they increase 17.9% or more to outweigh the taxes paid. The document promotes comprehensive wealth management services.
This document discusses strategies for maximizing Social Security income, including filing at different ages and taking advantage of spousal benefits. It notes that filing early at age 62 provides the lowest monthly payment but is paid over more years, while filing at 70 provides the highest monthly payment. Another strategy discussed is "file and suspend" which allows one spouse to file at 66 to access spousal benefits while suspending their own, then switching to their higher personal benefit at 70. The document emphasizes that Social Security is complex and income maximization requires considering factors like longevity. It suggests consulting experts to determine the best filing strategy.
Safe Withdrawal Rates and Zero-Risk Portfolios 2012-12David John Marotta
How do you know if you have money to spend or if you're going to run out? Listen to this presentation for info on how much you can spend safely based upon your age.
David John Marotta presents a list of the best Exchange Traded Funds (ETFs) of 2012 and how you can take advantage of these funds in your investment portfolio.
David John Marotta, Matthew Illian, and Austin Johnston discuss how tax returns are the key to unlocking many financial planning and estate planning mysteries. Attend this seminar to discover what you can learn from just a few pages of the often-dreaded IRS tax form, and how the tax code may be changing in 2013.
Dynamic Portfolio Construction in the Context of Comprehensive Wealth ManagementDavid John Marotta
Wealth Management is based on the principle that small changes that can yield enormous gains over time. We will look at portfolio construction in the context of comprehensive wealth management. And we will see how to integrate aspects of your finances to best meet your life goals.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
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.
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.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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.
The document discusses how to determine a safe withdrawal rate from an investment portfolio during retirement without risking running out of money. It addresses calculating spending based on factors like investment returns, retirement length, income sources, and accounting for inflation. The key is balancing spending with preserving enough money to last a retiree's entire lifetime through different market conditions.
This document discusses the benefits of a Roth IRA conversion. It notes that individuals age 50+ have a higher contribution limit and catch-up provision for Roth IRAs. It provides an example of a 50-year-old with a $500,000 traditional IRA who could convert $100,000 in 2012 at a 25% tax rate, saving over $6,000 compared to converting the same amount in 2013 at a 28% rate. It recommends keeping conversion amounts if accounts are up 17.9% or more to offset taxes. The document promotes comprehensive wealth management services.
This document outlines David Marotta's recommendations for asset allocation and portfolio construction. It recommends diversifying across six main asset classes: short-term bonds, domestic bonds, foreign bonds, domestic stocks, foreign stocks, and hard assets. Sample asset allocation portfolios are provided for different age groups. Specific low-cost index ETFs are recommended to implement the allocations. The portfolio emphasizes value and small cap tilts for US stocks and specific country tilts for foreign stocks. It advises monitoring the portfolio annually and rebalancing when needed.
This document discusses the benefits of a Roth IRA conversion. It notes that individuals age 50+ have a higher contribution limit and catch-up provision for Roth IRAs. It provides an example of a 50-year-old with a $500,000 traditional IRA who could convert $100,000 in 2012 at a 25% tax rate, or $89,286 in 2013 at a 28% rate. It recommends keeping converted funds in accounts if they increase 17.9% or more to outweigh the taxes paid. The document promotes comprehensive wealth management services.
This document discusses strategies for maximizing Social Security income, including filing at different ages and taking advantage of spousal benefits. It notes that filing early at age 62 provides the lowest monthly payment but is paid over more years, while filing at 70 provides the highest monthly payment. Another strategy discussed is "file and suspend" which allows one spouse to file at 66 to access spousal benefits while suspending their own, then switching to their higher personal benefit at 70. The document emphasizes that Social Security is complex and income maximization requires considering factors like longevity. It suggests consulting experts to determine the best filing strategy.
Safe Withdrawal Rates and Zero-Risk Portfolios 2012-12David John Marotta
How do you know if you have money to spend or if you're going to run out? Listen to this presentation for info on how much you can spend safely based upon your age.
David John Marotta presents a list of the best Exchange Traded Funds (ETFs) of 2012 and how you can take advantage of these funds in your investment portfolio.
David John Marotta, Matthew Illian, and Austin Johnston discuss how tax returns are the key to unlocking many financial planning and estate planning mysteries. Attend this seminar to discover what you can learn from just a few pages of the often-dreaded IRS tax form, and how the tax code may be changing in 2013.
Dynamic Portfolio Construction in the Context of Comprehensive Wealth ManagementDavid John Marotta
Wealth Management is based on the principle that small changes that can yield enormous gains over time. We will look at portfolio construction in the context of comprehensive wealth management. And we will see how to integrate aspects of your finances to best meet your life goals.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
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.
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.
OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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.
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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
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Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
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Marotta Wealth Management 2nd Quarter 2012 Report
1. Firm Logo
Timeline of Events: A Quarter in Review
Second Quarter 2012
The Supreme Court ruled that many of the provisions
of the healthcare law are constitutional, including the
US stocks finish at multi-year highs.
Facebook’s long-awaited IPO valued requirement that most Americans obtain insurance or
The S&P 500 Index has its highest
the firm at over $100 billion, yet in pay a penalty ―tax.‖
close since May 2008.
the weeks following the listing, it lost
almost a quarter of its market value.
Dalian Wanda agreed
The European crisis
to buy the theater
continued, with Spanish
chain AMC
Mitt Romney officially banks receiving capital
Entertainment,
named Republican from other countries and
in the largest US
Party’s presumptive JPMorgan Chase reported Greece voting for a
acquisition by a
nominee. losses in excess of $2 billion leadership determined to
private Chinese firm.
from trades made by a division preserve the euro and
that was supposed to manage adhering to austerity.
risk. The CEO subsequently
testified in front of Congress.
Investors in German two-year
bonds accepted negative nominal
yields, reflecting the uncertainty in
the banking system.
S&P 500 Index
1,419 1,362
04/02/2012 06/29/2012
The graph illustrates the S&P 500 Index price changes over the quarter. The return of the price-only index is generally lower than the total return of the index that also includes the dividend returns.
Source: The S&P data are provided by Standard & Poor's Index Services Group. The events highlighted are not intended to explain market movements.
4. Firm Logo
Select Country Performance
Second Quarter 2012 Index Returns
With equities under pressure as European debt concerns intensified, developed market countries were unable to avoid negative performance
in the second quarter. Emerging markets faced a similar outcome with a few exceptions. On a year-to-date basis, many developed and
emerging country returns were still flat to positive due to strong first quarter performance.
Developed Markets (% Returns) Emerging Markets (% Returns)
Belgium
US
Singapore Colombia
Denmark Mexico
UK Malaysia
Hong Kong
Egypt
Switzerland
Peru
New Zealand
Australia Thailand
Japan South Africa
Ireland China
Netherlands Poland
Sweden Hungary
Canada Indonesia
France
South Korea
Norway
Chile
Austria
Germany Taiwan
Italy India
Spain Czech Republic
Israel Morocco
Portugal Russia
Greece Brazil
Finland
Country performance based on respective indices in the MSCI All Country World IMI Index (for developed markets) and MSCI Emerging Markets IMI Index. All returns in USD and net of withholding tax on
dividends. MSCI data copyright MSCI 2012, all rights reserved.