Retail Sector| USA| July 2020

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paul young cpa, cga

Here is a brief look at the United States retail sales for July 2020

Economy & Finance

USA RETAIL SECTOR
Paul Young CPA CGA
August 16, 2020

PAUL YOUNG - BIO
• CPA, CGA
• Academia (PF1, FA4 and MS2)
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Emerging Technology
• SME – Business Process Change
• SME – Financial Solutions
• SME – Supply Chain Management
Contact information:
Paul_Young_CGA@Hotmail.com

AGENDA
• Retail Sector / July 2020 – United States
• Restructuring of Retail
• Commercial Property / Amazon
• Consumer Spending / USA
• Analytics / Retail
• Supply Chain / Analytics
• RPA / Retail

USA RETAIL
SALES / JULY
2020
Source -
https://economics.bmo.com/en
/publications/detail/11d096bf-
f67b-4470-ace8-
1c8366c8aeb1/

RETAIL SECTOR / RESTRUCTURING
• The retail sector will be forced into restructuring due to following
• High debt levels – Leasing and other obligations
• Restructuring of debt
• Expansion of eCommerce
• Restructuring of their business model
The running list of 2020 retail bankruptcies
The pandemic has ushered in a wave of bankruptcies as retailers struggle to pay rent, vendors and other
expenses. - https://www.retaildive.com/news/the-running-list-of-2020-retail-bankruptcies/571159/
More that 3,600 companies have filed for bankruptcy protection in the USA -
https://nymag.com/intelligencer/2020/08/major-companies-filing-for-bankruptcy-due-to-
coronavirus.html

COMMERCIAL
PROPERTIES /
AMAZON
Source -
https://ca.finance.yahoo.com/n
ews/amazon-taking-over-
empty-jc-penney-stores-
means-the-end-of-the-mall-
former-retail-ceo-
155616339.html

CONSUMER SPENDING/USA
Source - https://www.conference-board.org/research/us-forecast

ANALYTICS / RETAIL

ANALYTICS / SUPPLY CHAIN

RPA

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paul young cpa, cga

Summary: The global economy faces what at least one forecaster is calling a mild trade recession as shipments from China slump and German factories downshift. China’s export declines extended into August, though there were signs that the worst of a world trade slowdown may be over for the leading exporter. Overseas shipments from China fell 8.8% in dollar terms from a year earlier while imports contracted 7.3%, both better than economists’ estimates and significantly less severe than July’s downturn. Other data have suggested trade may be stabilizing after weakening for most of this year. Exports from South Korea also declined at a more moderate pace in August than the previous month. Source: https://www.bloomberg.com/news/newsletters/2023-09-07/supply-chain-latest-world-trade-faces-a-shallow-recession?srnd=economics-v2 Additional sources and links: Lithium - https://source.benchmarkminerals.com/article/falling-lithium-prices-challenge-potential-cost-advantages-of-sodium-batteries Oil Production - https://www.cnn.com/2023/09/06/business/oil-price-goldman-sachs/index.html Natural gas - https://www.fxstreet.com/news/natural-gas-holds-up-as-markets-in-limbo-over-strikes-202309070956 Lumber - https://www.fastmarkets.com/insights/sawmill-capacity-closures-reshape-us-lumber-supply Critical metals - https://www.wasterecyclingmag.ca/feature/how-recycling-could-solve-the-shortage-of-minerals-essential-to-clean-energy/ Agriculture - https://www.morningagclips.com/economists-forecast-positive-end-of-year-crop-outlook-despite-warmer-midwestern-climate/ ESG - https://www.skadden.com/insights/publications/2023/09/the-informed-board/the-eus-new-esg-disclosure-rules Ports - https://www.marketscreener.com/quote/stock/HAPAG-LLOYD-AG-24857717/news/Hapag-Lloyd-chief-warns-of-rougher-seas-ahead-for-container-shipping-44789017/ Top destination for reshoring - https://www.thenationalnews.com/business/economy/2023/08/29/uae-in-top-10-most-powerful-passports-for-investment-opportunity/ Global Trade - https://phys.org/news/2023-09-opinion-broke-global-climate-finish.html

World Merchandise Trade – September 2023.pptx

World Merchandise Trade – September 2023.pptx

World Merchandise Trade – September 2023.pptx

paul young cpa, cga

Lumber production in Canada continues to face many hurdles Canada forest management practices are some of the bests in the world Canada planted over 440M in seedlings back in 2018. It is now 2022 which means close 2M seedlings have been planted. All levels need to put more focus on urban and rural planning solutions More work including spending on wildfire and forest fire mitigation Canada and USA need to find a path forward to resolve the softwood lumber dispute There needs to a better balanced between climate change policies and growing the economy in a sustainable way 3D printing for housing needs to become mainstream More protection needs to happen with key ecosystems like wetlands, forest, and peatlands. There is a risk of debt default if interest rates are hike over the next few months

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What is next for the Forestry Sector and Lumber Production - September 2023.pptx

What is next for the Forestry Sector and Lumber Production - September 2023.pptx

paul young cpa, cga

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Blog - Governance - Education - Crombie.docx

Blog - Governance - Education - Crombie.docx

paul young cpa, cga

Blog – Construction Sector Analysis and Commentary – August 2023 Summary: The outlook for US construction of affordable housing is set to change dramatically over the next two years. "Developers see a massive shortage ahead, which threatens to undo the recent progress in closing the daunting affordable housing gap in many US cities," reports Bloomberg. While interest rates have been increasing, the number of housing projects starting this year has been cut significantly. 2022 projects will typically come online after 18-24 months, therefore construction companies are expecting a severe supply shortage by mid-2025. This slowdown is supported by statistics from the US Department of Housing and Urban Development (HUD) which received 506 applications as of May, eight months into fiscal year 2023, totalling US$12bn in Federal Housing Administration loans to construct multi-family developments. This is about half the volume of the same eight-month period in FY22 (940 applications for US$22bn) and less than one-third of the volume for the same stretch in FY21 (1739 applications for US$37bn). The higher costs associated with inflation and rising interest rates are creating financial gaps making it hard for developers to complete below-market rental projects, resulting in significant delays, says Bloomberg. Single-family construction starts slipped after a four-month run, down seven per cent in June, while applications for permits rose 2.2 per cent from May, according to the Census Bureau and HUD. Source - https://www.cemnet.com/News/story/175467/us-construction-outlook-is-about-to-change-for-crh-and-others.html Other links and sources 1. Biodiversity / Construction - https://coastcommunitynews.com.au/central-coast/news/2023/08/biodiversity-overhaul-could-pave-the-way-for-more-housing-construction/ 2. CO2 embodying - https://www.linkedin.com/posts/algomaco_california-becomes-first-state-to-adopt-mandatory-activity-7095045267430809600-y2pV/ 3. Green Cement - https://environmentjournal.ca/lafarge-canada-pilots-cleantech-project-to-support-sustainable-cement-production/ 4. Building codes - https://www.buildinggreen.com/newsbrief/marin-county-first-adopt-low-carbon-concrete-code 5. Energy - https://www.armstrongceilings.com/commercial/en/performance/sustainable-building-design/embodied-carbon-in-buildings.html 6. Climate Change Risks - https://urbanland.uli.org/public/climate-risk-is-financial-risk-the-ever-evolving-landscape-of-climate-related-financial-disclosures/ 7. Net Zero - https://www.esmagazine.com/articles/103351-the-path-to-net-zero-buildings-3-steps-to-turn-sustainability-ambition-into-action 8. Ports / Clean - https://www.bnnbloomberg.ca/ports-in-europe-lure-investors-into-clean-energy-gateway-plan-1.1966430 9. Broadband spending - https://ca.news.yahoo.com/broadcom-gives-downbeat-forecast-signaling-221519671.html 10. Construction materials - https://www.marketplace.org/2023/09/01/climate-change-is-making-home-construction-more-expe

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How do I sell my Pi Network currency in 2024?

How do I sell my Pi Network currency in 2024?

Currently there's no exchange to sell your pi coins, right now as we well know. We are still in the enclosed mainnet of pi network. So pi coins is not listed yet on any exchange. So right now. The only way to sell pi coins is by trading with a verified pi merchant. What is a verified pi merchant? A verified pi merchant is someone who buys pi network coins and resell them to exchanges supply chain and crypto whales. Now since pi network is not doing any pre-sale or ico offerings. The only way exchanges like huobi or htx can get pi is by mining pi coins or buying from miners. Now since its impossible for an average miner to contact an exchange supply chain. Pi network provided merchants and vendors who stand in between the miners and the exchange network. This is just a brief of our it works. I will leave the contact of my personal pi merchant. Thats if you are interested in selling the pi coins. 👇 Tele gram- @Cryptopioneer1 Here it is. I myself have traded more than 10k pi coins successfully in the enclosed mainnet. All thanks to credibility. #pi #pinetwork #pisell #sellpi #pinetwork #exchange

What exchange can I sell my pi coins in 2024

What exchange can I sell my pi coins in 2024

What exchange can I sell my pi coins in 2024

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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.

Maximize Your Business Potential with Falcon Invoice Discounting

Maximize Your Business Potential with Falcon Invoice Discounting

Maximize Your Business Potential with Falcon Invoice Discounting

Falcon Invoice Discounting

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Can I exchange pi coins for usdt on HTX Well you can sell your pi coins easily. But not on HTX exchange because we are still in the enclosed mainnet. Exchanges like binance are only displaying the price not actually trading them. ✅ How can i sell my pi coins? Well right now in the enclosed mainnet miners are allowed to barter pi coins with merchants, What is a pi merchant? Since pi network is not doing any crypto presale or ico offerings, the only way exchanges like binance and huobi can get pi is by buying from miners. So a merchant is a verified pioneer who facilities the transactions between miners and exchanges supply chain.. ✅ How can i sell my pi coins to a merchant or how to find them? To avoid issues or pondering i will glady leave the contact of my personal pi merchant. I have traded more than 6k pi coins successfully in the enclosed mainnet without having issues. 👇 Telegram --- @Cryptopioneer1 Thanks for your time. And have a nice day. Meldin cares.

How to exchange my pi coins on HTX in 2024

How to exchange my pi coins on HTX in 2024

How to exchange my pi coins on HTX in 2024

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Diversification is the practice of spreading investments across various assets to reduce risk exposure. By diversifying, investors aim to minimize the impact of any single investment's performance on their overall portfolio. This strategy involves allocating capital across different asset classes, such as stocks, bonds, real estate, and commodities, as well as diversifying within each asset class.

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Overseeing individual accounting records shrewdly is the foundation of monetary dependability and thriving. It includes prudently taking care of pay, costs, reserve funds, and ventures to accomplish momentary objectives and secure long haul monetary prosperity. Savvy monetary administration starts with making a sensible financial plan that designates pay towards fundamental costs, investment funds, and obligation reimbursement, while likewise taking into consideration optional spending. Following costs steadily recognizes regions where spending can be diminished or advanced. Besides, saving routinely and building a backup stash gives a monetary wellbeing net to surprising costs or pay disturbances. Contributing shrewdly, taking into account factors like gamble resistance, time skyline, and enhancement, can assist with developing abundance after some time and accomplish monetary objectives like retirement or homeownership. Also, overseeing obligation capably, by taking care of exorbitant interest obligation first and keeping away from pointless acquiring, is critical for keeping up with monetary wellbeing. Eventually, overseeing individual accounting records intelligently requires discipline, arranging, and continuous assessment to adjust to changing conditions and needs, making ready for monetary security and opportunity.

Managing personal finances wisely for financial stability and

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This study employs an exploratory and quantitative research approach to systematically investigate the impact of Human Resource Management (HRM) practices on Organizational Performance within the Indian Banking sector. The research approach combines exploratory research, aimed at gaining insights into HRM practices, with a quantitative approach using a purposive sampling technique. Data is collected through a questionnaire from employees in both public (SBI) and private banks (HDFC Bank) who work in HR departments or are involved in HR activities. The Likert scale is utilized in the questionnaire to measure participant perceptions of HRM practices. The study utilizes two statistical tools: Neural Network and Exploratory Factor Analysis (EFA). The findings of the study highlight the significance of promotion and transfer policies, considered paramount in influencing organizational performance in both public and private banks. Additionally, the study underscores the importance of training and development initiatives in enhancing employee skills and competencies. Clear and effective communication within HR policies is identified as pivotal in improving organizational performance. Lastly, aligning HRM practices with sector-specific goals is recognized as a significant contributor to improved employee satisfaction and overall performance in the banking sector. The findings offer guidance for HR practitioners and policymakers in optimizing HRM practices to achieve better organizational performance.

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How do I sell my Pi Network currency in 2024?

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1. USA RETAIL SECTOR Paul Young CPA CGA August 16, 2020

2. PAUL YOUNG - BIO • CPA, CGA • Academia (PF1, FA4 and MS2) • SME – Risk Management • SME – Close, Consolidate and Reporting • SME – Public Policy • SME – Emerging Technology • SME – Business Process Change • SME – Financial Solutions • SME – Supply Chain Management Contact information: Paul_Young_CGA@Hotmail.com

3. AGENDA • Retail Sector / July 2020 – United States • Restructuring of Retail • Commercial Property / Amazon • Consumer Spending / USA • Analytics / Retail • Supply Chain / Analytics • RPA / Retail

4. USA RETAIL SALES / JULY 2020 Source - https://economics.bmo.com/en /publications/detail/11d096bf- f67b-4470-ace8- 1c8366c8aeb1/

5. RETAIL SECTOR / RESTRUCTURING • The retail sector will be forced into restructuring due to following • High debt levels – Leasing and other obligations • Restructuring of debt • Expansion of eCommerce • Restructuring of their business model The running list of 2020 retail bankruptcies The pandemic has ushered in a wave of bankruptcies as retailers struggle to pay rent, vendors and other expenses. - https://www.retaildive.com/news/the-running-list-of-2020-retail-bankruptcies/571159/ More that 3,600 companies have filed for bankruptcy protection in the USA - https://nymag.com/intelligencer/2020/08/major-companies-filing-for-bankruptcy-due-to- coronavirus.html

6. COMMERCIAL PROPERTIES / AMAZON Source - https://ca.finance.yahoo.com/n ews/amazon-taking-over- empty-jc-penney-stores- means-the-end-of-the-mall- former-retail-ceo- 155616339.html

7. CONSUMER SPENDING/USA Source - https://www.conference-board.org/research/us-forecast

8. ANALYTICS / RETAIL

9. ANALYTICS / SUPPLY CHAIN