The document discusses findings from Ernst & Young's 2022 Future Consumer Index survey of consumer attitudes and spending intentions in Australia. It notes that consumers are facing an increasingly complex global environment with concerns about issues like cost of living, finances, health and employment. As a result, Australians are tightening their belts and cutting back on discretionary spending over the next few months. However, consumers remain cautiously optimistic about the future, though few feel truly "safe and secure". The document concludes that life has been redefined for Australians, both by external forces and personal choice, and that further changes are still expected.
The document discusses an informational forum presented by EKRA Ltd to Kodak retirees. EKRA Ltd advocates for retiree benefits and keeps members informed. It summarizes EKRA's mission to mitigate losses of healthcare benefits and pensions. It also discusses EKRA's finances, advocacy efforts including working with the National Retiree Legislative Network, and goals for 2011 including increasing membership and strengthening advocacy.
NielsenIQ University Program Project Presentation (Team 2 Ivory Insights)TigrisFMendez
This document contains a presentation by a team at Procter & Gamble analyzing laundry and fabric care products. The team identifies opportunities to capitalize on growing categories and recommends three strategies: 1) Educating consumers about fabric softener and laundry detergent benefits through social media influencers. 2) Scaling down packaging sizes to appeal to younger customers. 3) Capitalizing on subscription services which are popular with younger consumers. The recommendations aim to increase sales to under 35 year olds who are currently less loyal P&G customers but will be future lifelong customers.
Presenter: Mr. Steve Mellish FBCI
Chairman, The Business Continuity Institute
Monday May 19th, 2014
Business & IT Resilience Summit, Mumbai, India
Introduction
About the BCI
Current Threats and Future Trends
Supply Chain Survey 2013
Counting the Cost 2014
Horizon Scan 2014
How can India help shape the future of BCM?
This document summarizes a presentation about addressing rising health care costs. It discusses how, while health spending is increasing as a share of GDP and government budgets, outcomes have also improved. Non-solutions proposed include shifting costs to consumers, privatizing services, or reducing services. Sensible solutions proposed focus on reorienting the system, improving efficiency without budget cuts, and eliminating waste, such as through benchmarking costs across hospitals and clinical groups.
This document provides an overview and analysis of health spending growth in Australia. It discusses:
- Australia's health spending as a share of GDP and government budgets has been increasing but outcomes have improved.
- Two-thirds of real health spending increases came from factors other than population aging and inflation.
- There are opportunities to improve efficiency through benchmarking costs across hospitals and geographic areas, reducing clinical variation, and task substitution to less specialized healthcare workers without reducing quality.
- Non-solutions like cost-shifting to consumers, privatization, or service reductions are not recommended. Sensible solutions include reorienting the system, eliminating waste, and focusing on efficiency.
Green is the new black: The different shades of ethical investingnetwealthInvest
Find out how to align your investments with your values. This presentation with Dr Stuart Palmer, head of ethics research at Australian Ethical Investment, aims to help investors break through the greenwash and provide an overview of the different ways that responsible funds incorporate social and environmental impacts into their strategy.
1- As we have all heard and learned about how the ACA (Affordable .docxmonicafrancis71118
1- As we have all heard and learned about how the ACA (Affordable Care Act) has changed the way that health care is both financed and delivered. It continues to change the landscape not only of the health care industry but the overall US economy. Discuss one ACA provision and describe how it will impact healthcare finance.
After answering the discussion question in detail, please respond to at least two of your classmates.
Student 1:
The Affordable Care Act established the National Prevention, Health Promotion, and Public Health Council. The goal for this provision is to support preventive health care. There are seven areas that the National Prevention Strategy focuses on: tobacco-free living, preventing drug use and excessive alcohol abuse, healthy eating, active living, injury and violence-free living, reproductive and sexual health, and mental and emotional health. This provision has saved and will continue to save money on treatments (chemotherapy/radiation, rehabilitation, etc.) that could have been prevented if these people were living a healthy lifestyle. Making people aware of what they are putting into their body/doing to their body will educate them on what could happen to them if they continue to live the lifestyle they are living. Preventive care helps lower health care costs by preventing diseases before they require emergency room care.
Student 2:
The Patient Protection and Affordable Care Act, adopted in 2010, has the primary focus of helping all Americans obtain health insurance. This implementation initially increases the health care spending for the government, with the hopes that in the future it will decrease the overall spending on health care. One provision that came about with the ACA is the transition from fee-for-service payment to the bundled payment.
With the previous fee-for-service payment model, physicians and health care organizations would bill the consumer for each specific operation, procedure or visit using DRG and CPT codes. These codes gave a specific amount for each individual procedure, increasing the cost on the consumer and the health insurance companies. This model is thought to have been increasing the over all spending, with no solution. The ACA provision is helping transition to a bundled-payment method, which gives a set price physicians are reimbursed for each operation, procedure, visit, etc. If the physician spends more on a specific procedure than the reimbursement, the physician and health care organization eat that cost, not profiting.
This bundled payment model aims to decrease the health care governmental spending, while also increasing the quality of care for the consumer.
Assignment – CLWM4100 Taxation Law – Trimester 2 2018
1
CLWM4100 Assignment Assessment 3
P
a
g
e
1
Subject Code: CLWM4100
Subject Name: Taxation Law
Assessment Title: Individual case study assignment
We.
Compulsory Savings and the Singapore Health Systems.coffey
The document discusses Singapore's healthcare system and whether aspects of it could be applied in Ireland. It outlines Singapore's Central Provident Fund program which requires compulsory healthcare savings contributions. These contributions fund the "3Ms" of the Singapore system - Medisave medical savings accounts, Medishield catastrophic insurance, and Medifund for the needy. Surveys show Singaporeans support personal responsibility for healthcare costs and view the system as generally affordable and high quality despite relying on less than 4% of GDP. However, implementing such a system may require prerequisites like willingness to save that differ between countries.
The document discusses an informational forum presented by EKRA Ltd to Kodak retirees. EKRA Ltd advocates for retiree benefits and keeps members informed. It summarizes EKRA's mission to mitigate losses of healthcare benefits and pensions. It also discusses EKRA's finances, advocacy efforts including working with the National Retiree Legislative Network, and goals for 2011 including increasing membership and strengthening advocacy.
NielsenIQ University Program Project Presentation (Team 2 Ivory Insights)TigrisFMendez
This document contains a presentation by a team at Procter & Gamble analyzing laundry and fabric care products. The team identifies opportunities to capitalize on growing categories and recommends three strategies: 1) Educating consumers about fabric softener and laundry detergent benefits through social media influencers. 2) Scaling down packaging sizes to appeal to younger customers. 3) Capitalizing on subscription services which are popular with younger consumers. The recommendations aim to increase sales to under 35 year olds who are currently less loyal P&G customers but will be future lifelong customers.
Presenter: Mr. Steve Mellish FBCI
Chairman, The Business Continuity Institute
Monday May 19th, 2014
Business & IT Resilience Summit, Mumbai, India
Introduction
About the BCI
Current Threats and Future Trends
Supply Chain Survey 2013
Counting the Cost 2014
Horizon Scan 2014
How can India help shape the future of BCM?
This document summarizes a presentation about addressing rising health care costs. It discusses how, while health spending is increasing as a share of GDP and government budgets, outcomes have also improved. Non-solutions proposed include shifting costs to consumers, privatizing services, or reducing services. Sensible solutions proposed focus on reorienting the system, improving efficiency without budget cuts, and eliminating waste, such as through benchmarking costs across hospitals and clinical groups.
This document provides an overview and analysis of health spending growth in Australia. It discusses:
- Australia's health spending as a share of GDP and government budgets has been increasing but outcomes have improved.
- Two-thirds of real health spending increases came from factors other than population aging and inflation.
- There are opportunities to improve efficiency through benchmarking costs across hospitals and geographic areas, reducing clinical variation, and task substitution to less specialized healthcare workers without reducing quality.
- Non-solutions like cost-shifting to consumers, privatization, or service reductions are not recommended. Sensible solutions include reorienting the system, eliminating waste, and focusing on efficiency.
Green is the new black: The different shades of ethical investingnetwealthInvest
Find out how to align your investments with your values. This presentation with Dr Stuart Palmer, head of ethics research at Australian Ethical Investment, aims to help investors break through the greenwash and provide an overview of the different ways that responsible funds incorporate social and environmental impacts into their strategy.
1- As we have all heard and learned about how the ACA (Affordable .docxmonicafrancis71118
1- As we have all heard and learned about how the ACA (Affordable Care Act) has changed the way that health care is both financed and delivered. It continues to change the landscape not only of the health care industry but the overall US economy. Discuss one ACA provision and describe how it will impact healthcare finance.
After answering the discussion question in detail, please respond to at least two of your classmates.
Student 1:
The Affordable Care Act established the National Prevention, Health Promotion, and Public Health Council. The goal for this provision is to support preventive health care. There are seven areas that the National Prevention Strategy focuses on: tobacco-free living, preventing drug use and excessive alcohol abuse, healthy eating, active living, injury and violence-free living, reproductive and sexual health, and mental and emotional health. This provision has saved and will continue to save money on treatments (chemotherapy/radiation, rehabilitation, etc.) that could have been prevented if these people were living a healthy lifestyle. Making people aware of what they are putting into their body/doing to their body will educate them on what could happen to them if they continue to live the lifestyle they are living. Preventive care helps lower health care costs by preventing diseases before they require emergency room care.
Student 2:
The Patient Protection and Affordable Care Act, adopted in 2010, has the primary focus of helping all Americans obtain health insurance. This implementation initially increases the health care spending for the government, with the hopes that in the future it will decrease the overall spending on health care. One provision that came about with the ACA is the transition from fee-for-service payment to the bundled payment.
With the previous fee-for-service payment model, physicians and health care organizations would bill the consumer for each specific operation, procedure or visit using DRG and CPT codes. These codes gave a specific amount for each individual procedure, increasing the cost on the consumer and the health insurance companies. This model is thought to have been increasing the over all spending, with no solution. The ACA provision is helping transition to a bundled-payment method, which gives a set price physicians are reimbursed for each operation, procedure, visit, etc. If the physician spends more on a specific procedure than the reimbursement, the physician and health care organization eat that cost, not profiting.
This bundled payment model aims to decrease the health care governmental spending, while also increasing the quality of care for the consumer.
Assignment – CLWM4100 Taxation Law – Trimester 2 2018
1
CLWM4100 Assignment Assessment 3
P
a
g
e
1
Subject Code: CLWM4100
Subject Name: Taxation Law
Assessment Title: Individual case study assignment
We.
Compulsory Savings and the Singapore Health Systems.coffey
The document discusses Singapore's healthcare system and whether aspects of it could be applied in Ireland. It outlines Singapore's Central Provident Fund program which requires compulsory healthcare savings contributions. These contributions fund the "3Ms" of the Singapore system - Medisave medical savings accounts, Medishield catastrophic insurance, and Medifund for the needy. Surveys show Singaporeans support personal responsibility for healthcare costs and view the system as generally affordable and high quality despite relying on less than 4% of GDP. However, implementing such a system may require prerequisites like willingness to save that differ between countries.
Do You Know How Much Zurich Paid out in Benefit Claims between Jan 2017 to Dec 2019 ?
Is your family protected?
https://lnkd.in/eV_GA85
https://lnkd.in/ekUXXVN
ESG Assurance and Reporting The road to ESG Leadershipdrriteshdubey84
This document provides an overview of ESG assurance. It begins with an agenda and introductions. It then discusses why companies undertake ESG reporting and assurance to meet stakeholder expectations. Regulators are increasingly requiring assurance over ESG disclosures. Investors want reliable ESG information and trust assured reports more. There are different types and levels of assurance. Common areas assured include emissions, social practices, and governance. Assurance is also provided for green bonds and sustainability-linked financing. Overall, assurance brings credibility and transparency to ESG reporting.
As containment measures have been lifted, Australian consumers’ optimism has returned to April levels, though spending intent is still negative.
These exhibits are based on survey data collected in Australia from Sep 4–7, 2020. Check back for regular updates on Australian consumer sentiments, behaviors, income, spending, and expectations.
Presentation by John Walugembe, Executive Director, Federation of Small & Medium-sized Enterprises (FSME) – Uganda
at the Conference on Reshaping the tax system to support the Financial Sector Development Strategy (FSDS)
Kampala, Uganda, 14th–15th December 2022
The two-day conference was convened by Uganda's Ministry of Finance, Planning and Economic Development, and co-hosted by ICTD's DIGITAX Research Programme and TaxDev.
This document summarizes a presentation on healthcare reform in Ireland. It discusses the economics of healthcare and features of healthcare as a good. It provides an overview of Ireland's current health system, including categories of health access, trends in waiting times, expenditures, staffing levels, and inequalities in health outcomes related to social class and geographic area. It also examines the potential costs of implementing healthcare reform as outlined in Ireland's Sláintecare plan, estimating that an average of €1.6 billion additional annual funding would be needed through 2030. The conclusions call for principles of reform such as prioritizing equality, dismantling the two-tier system, and investing in primary care to reduce hospital visits.
Adobe Consumer Outlook Survey Japan RegionAdobeJapanPR
- Just under two-thirds of Japanese consumers felt neutral about brands preventing price gouging and stock shortages during COVID-19. Three-quarters felt brands were communicating the right amount but only 1/3 found the communications useful.
- Over half of consumers saw an impact on their employment from COVID-19, with personal health, job vulnerability, and the economy being the greatest concerns. While over 90% were initially willing to wait out restrictions, only slightly over half agreed with continued restrictions.
- Shopping was greatly impacted by COVID-19, with 85% facing difficulties mostly from out-of-stock products. Local retail support diminished as 65% had not helped local businesses.
The document discusses how health and safety professionals can better measure and report on safety data to drive action. It recommends applying context to raw data to turn it into meaningful information, and using a "what, why, so what?" framework to communicate the importance and implications of safety information. Visual design principles are also discussed to help readers understand reports more easily. The use of technology and data analytics can further improve reporting by making it dynamic and predictive.
Interesting and concerning to see a leading company involved in the supply chain of one of the least efficient sources of fossil fuels listed as a climate leader. Does (or should this) signal a concern for those relying on CDP data and rankings for thier investment decisions?
Report on the 2022 survey of Cambridgeshire charities and community groups. Survey looked at the impact the pandemic had on the sector and what the future needs for support might be.
We have a vibrant and diverse voluntary and community sector in Cambridgeshire. On the whole there is optimism for the future. 59% of respondents think that 2022 will be a better year than 2021 for their organisation.
We have seen the sector working with other partners to make the pandemic as bearable as possible.
We have seen incredible efforts put in by staff, volunteers and trustees.
We have seen groups adapting and learning to ensure services were continued and improved.
We know that there are challenges ahead but we have seen positive changes starting to happen. We need to build on what we have, learn from our mistakes and celebrate our successes.
Australian consumers, in view of the omicron variant, are feeling less optimistic about economic recovery than last year and remain cautious on spending.
In Australia, optimism about economic recovery has declined since the November 2020 pulse survey but remains higher than at the onset of the COVID-19 pandemic. Six in ten consumers predict routines will return to normal only after June 2022; two-thirds do not plan to splurge in 2022. Although Australian households increased their spending in the past month, net intent to spend remains negative. Digital and omnichannel adoption continues in most categories, and intent to use out-of-home services rose. Seventy-five percent of consumers have addressed the rise of omicron by changing how they engage in out-of-home activities. Most consumers have tried a different brand or retailer, especially to switch brands in pursuit of value.
This document summarizes key points from a presentation about ensuring organizational survival through sustainability. In 3 sentences: Global population and resource demands are increasing dramatically, putting pressure on the planet and challenging businesses. To survive long-term, companies must build an integrated sustainability strategy, take responsibility for social and environmental impacts, and innovate new business models. The presentation argues that project managers will play an important role in enabling organizations to successfully transform their operations and ensure sustainability.
The document is about an informational forum held by EKRA Ltd, an association of Kodak retirees. It summarizes what EKRA is and does, including advocating for retiree benefits and pensions, monitoring Kodak's viability, and providing alternative benefits options. It discusses losses of benefits, Kodak's financial signals, EKRA's goals to increase membership and advocacy, and answers retirees' questions.
While American optimism on economic recovery continues to recover, over half of US consumers do not expect their routines to return until the latter half of 2021.
These exhibits are based on survey data collected in US from November 9–13, 2020. Check back for regular updates on American consumer sentiments, behaviors, income, spending, and expectations.
Matthew Tukaki gave a presentation on new frontiers in sustainable governance. He discussed carbon pricing in Australia and New Zealand's emissions trading scheme. The scheme has led to reduced emissions and increased renewable energy in New Zealand. While there are business challenges in responding to climate change, opportunities exist in renewable investment, jobs, and cooperation between Australia and New Zealand. Global agreements on climate change take time, and more progress is needed.
Australian consumers, in view of the omicron variant, are feeling less optimistic about economic recovery than last year and remain cautious on spending.
In Australia, optimism about economic recovery has declined since the November 2020 pulse survey but remains higher than at the onset of the COVID-19 pandemic. Six in ten consumers predict routines will return to normal only after June 2022; two-thirds do not plan to splurge in 2022. Although Australian households increased their spending in the past month, net intent to spend remains negative. Digital and omnichannel adoption continues in most categories, and intent to use out-of-home services rose. Seventy-five percent of consumers have addressed the rise of omicron by changing how they engage in out-of-home activities. Most consumers have tried a different brand or retailer, especially to switch brands in pursuit of value.
This report provides insights into pet enthusiasts living in the Greater Melbourne Metropolitan area. It found that they are typically couples with children, aged 35-44, earning $20,800-$41,599 annually. They frequently shop at Petbarn and spend most in the animal purchases category. Being on-trend is a leading purchase driver online and offline. The report recommends formulating a multichannel marketing strategy considering both online and offline behaviors to effectively reach this congested audience.
Vietnamese consumers are facing economic challenges and uncertainty. Their top concerns include health, the economy, job security, and rising costs of living. Consumer confidence is lower in Vietnam than other Asian countries. FMCG growth is slowing as consumers spend less and save more. However, Vietnam has opportunities for growth through its emerging middle class and the rising spending power of women. Understanding changing demographics like the aging population will be important for meeting evolving consumer needs.
The document discusses trends in the group long term disability insurance market and recommends solutions for a law firm to better protect partners' and associates' incomes in the event of disability. It analyzes the shortcomings of the firm's existing group LTD plan and proposes supplemental individual disability policies to fill coverage gaps and ensure targeted income replacement levels are met. The policies would also provide long term care benefits to address catastrophic disabilities and help preserve retirement assets.
Building Your Employer Brand with Social MediaLuanWise
Presented at The Global HR Summit, 6th June 2024
In this keynote, Luan Wise will provide invaluable insights to elevate your employer brand on social media platforms including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok. You'll learn how compelling content can authentically showcase your company culture, values, and employee experiences to support your talent acquisition and retention objectives. Additionally, you'll understand the power of employee advocacy to amplify reach and engagement – helping to position your organization as an employer of choice in today's competitive talent landscape.
At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
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https://lnkd.in/ekUXXVN
ESG Assurance and Reporting The road to ESG Leadershipdrriteshdubey84
This document provides an overview of ESG assurance. It begins with an agenda and introductions. It then discusses why companies undertake ESG reporting and assurance to meet stakeholder expectations. Regulators are increasingly requiring assurance over ESG disclosures. Investors want reliable ESG information and trust assured reports more. There are different types and levels of assurance. Common areas assured include emissions, social practices, and governance. Assurance is also provided for green bonds and sustainability-linked financing. Overall, assurance brings credibility and transparency to ESG reporting.
As containment measures have been lifted, Australian consumers’ optimism has returned to April levels, though spending intent is still negative.
These exhibits are based on survey data collected in Australia from Sep 4–7, 2020. Check back for regular updates on Australian consumer sentiments, behaviors, income, spending, and expectations.
Presentation by John Walugembe, Executive Director, Federation of Small & Medium-sized Enterprises (FSME) – Uganda
at the Conference on Reshaping the tax system to support the Financial Sector Development Strategy (FSDS)
Kampala, Uganda, 14th–15th December 2022
The two-day conference was convened by Uganda's Ministry of Finance, Planning and Economic Development, and co-hosted by ICTD's DIGITAX Research Programme and TaxDev.
This document summarizes a presentation on healthcare reform in Ireland. It discusses the economics of healthcare and features of healthcare as a good. It provides an overview of Ireland's current health system, including categories of health access, trends in waiting times, expenditures, staffing levels, and inequalities in health outcomes related to social class and geographic area. It also examines the potential costs of implementing healthcare reform as outlined in Ireland's Sláintecare plan, estimating that an average of €1.6 billion additional annual funding would be needed through 2030. The conclusions call for principles of reform such as prioritizing equality, dismantling the two-tier system, and investing in primary care to reduce hospital visits.
Adobe Consumer Outlook Survey Japan RegionAdobeJapanPR
- Just under two-thirds of Japanese consumers felt neutral about brands preventing price gouging and stock shortages during COVID-19. Three-quarters felt brands were communicating the right amount but only 1/3 found the communications useful.
- Over half of consumers saw an impact on their employment from COVID-19, with personal health, job vulnerability, and the economy being the greatest concerns. While over 90% were initially willing to wait out restrictions, only slightly over half agreed with continued restrictions.
- Shopping was greatly impacted by COVID-19, with 85% facing difficulties mostly from out-of-stock products. Local retail support diminished as 65% had not helped local businesses.
The document discusses how health and safety professionals can better measure and report on safety data to drive action. It recommends applying context to raw data to turn it into meaningful information, and using a "what, why, so what?" framework to communicate the importance and implications of safety information. Visual design principles are also discussed to help readers understand reports more easily. The use of technology and data analytics can further improve reporting by making it dynamic and predictive.
Interesting and concerning to see a leading company involved in the supply chain of one of the least efficient sources of fossil fuels listed as a climate leader. Does (or should this) signal a concern for those relying on CDP data and rankings for thier investment decisions?
Report on the 2022 survey of Cambridgeshire charities and community groups. Survey looked at the impact the pandemic had on the sector and what the future needs for support might be.
We have a vibrant and diverse voluntary and community sector in Cambridgeshire. On the whole there is optimism for the future. 59% of respondents think that 2022 will be a better year than 2021 for their organisation.
We have seen the sector working with other partners to make the pandemic as bearable as possible.
We have seen incredible efforts put in by staff, volunteers and trustees.
We have seen groups adapting and learning to ensure services were continued and improved.
We know that there are challenges ahead but we have seen positive changes starting to happen. We need to build on what we have, learn from our mistakes and celebrate our successes.
Australian consumers, in view of the omicron variant, are feeling less optimistic about economic recovery than last year and remain cautious on spending.
In Australia, optimism about economic recovery has declined since the November 2020 pulse survey but remains higher than at the onset of the COVID-19 pandemic. Six in ten consumers predict routines will return to normal only after June 2022; two-thirds do not plan to splurge in 2022. Although Australian households increased their spending in the past month, net intent to spend remains negative. Digital and omnichannel adoption continues in most categories, and intent to use out-of-home services rose. Seventy-five percent of consumers have addressed the rise of omicron by changing how they engage in out-of-home activities. Most consumers have tried a different brand or retailer, especially to switch brands in pursuit of value.
This document summarizes key points from a presentation about ensuring organizational survival through sustainability. In 3 sentences: Global population and resource demands are increasing dramatically, putting pressure on the planet and challenging businesses. To survive long-term, companies must build an integrated sustainability strategy, take responsibility for social and environmental impacts, and innovate new business models. The presentation argues that project managers will play an important role in enabling organizations to successfully transform their operations and ensure sustainability.
The document is about an informational forum held by EKRA Ltd, an association of Kodak retirees. It summarizes what EKRA is and does, including advocating for retiree benefits and pensions, monitoring Kodak's viability, and providing alternative benefits options. It discusses losses of benefits, Kodak's financial signals, EKRA's goals to increase membership and advocacy, and answers retirees' questions.
While American optimism on economic recovery continues to recover, over half of US consumers do not expect their routines to return until the latter half of 2021.
These exhibits are based on survey data collected in US from November 9–13, 2020. Check back for regular updates on American consumer sentiments, behaviors, income, spending, and expectations.
Matthew Tukaki gave a presentation on new frontiers in sustainable governance. He discussed carbon pricing in Australia and New Zealand's emissions trading scheme. The scheme has led to reduced emissions and increased renewable energy in New Zealand. While there are business challenges in responding to climate change, opportunities exist in renewable investment, jobs, and cooperation between Australia and New Zealand. Global agreements on climate change take time, and more progress is needed.
Australian consumers, in view of the omicron variant, are feeling less optimistic about economic recovery than last year and remain cautious on spending.
In Australia, optimism about economic recovery has declined since the November 2020 pulse survey but remains higher than at the onset of the COVID-19 pandemic. Six in ten consumers predict routines will return to normal only after June 2022; two-thirds do not plan to splurge in 2022. Although Australian households increased their spending in the past month, net intent to spend remains negative. Digital and omnichannel adoption continues in most categories, and intent to use out-of-home services rose. Seventy-five percent of consumers have addressed the rise of omicron by changing how they engage in out-of-home activities. Most consumers have tried a different brand or retailer, especially to switch brands in pursuit of value.
This report provides insights into pet enthusiasts living in the Greater Melbourne Metropolitan area. It found that they are typically couples with children, aged 35-44, earning $20,800-$41,599 annually. They frequently shop at Petbarn and spend most in the animal purchases category. Being on-trend is a leading purchase driver online and offline. The report recommends formulating a multichannel marketing strategy considering both online and offline behaviors to effectively reach this congested audience.
Vietnamese consumers are facing economic challenges and uncertainty. Their top concerns include health, the economy, job security, and rising costs of living. Consumer confidence is lower in Vietnam than other Asian countries. FMCG growth is slowing as consumers spend less and save more. However, Vietnam has opportunities for growth through its emerging middle class and the rising spending power of women. Understanding changing demographics like the aging population will be important for meeting evolving consumer needs.
The document discusses trends in the group long term disability insurance market and recommends solutions for a law firm to better protect partners' and associates' incomes in the event of disability. It analyzes the shortcomings of the firm's existing group LTD plan and proposes supplemental individual disability policies to fill coverage gaps and ensure targeted income replacement levels are met. The policies would also provide long term care benefits to address catastrophic disabilities and help preserve retirement assets.
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