Retail jobs declined by over 60,000 in the last two months as the sector faces challenges from changing consumer preferences. Several major retailers like JC Penney, Macy's, and Rue21 have announced store closings totaling hundreds of locations. The decline in retail employment and store closures indicates the industry is struggling to adapt to demand shifts toward online shopping and price sensitivity from consumers. The article examines economic indicators and retail trends to analyze the current state of the industry and challenges it faces.
The Business Journals gathered data from a national sample of small and mid-size business owners and we're using the data to predict the topics and trends that will matter most to small and mid-size businesses in 2017.
Our attempt was to pitch and acquisition of Nordstrom to Macy's to form a retail conglomerate. Emphasizing consumer trends and synergies between the two companies. Data provided from multiple sources mainly Deloitte's, "The Great Retail Bifurcation".
IRI’s Consumer Connect™ survey provides a quarterly snapshot of shoppers’ behaviors and attitudes as they directly relate to their strategies for learning about, purchasing and utilizing CPG and health care products, as well as information regarding perceptions of economic conditions and their ability to provide for their families.
Patrick jankowski- 2019 Economic Outlook for Southeast TexasCharlie Foxworth
Southeast Texas Economic Development Foundation slides for the economic outlook for Southeast Texas in 2019. All systems are go for a good year. The only thing that can hold us back is our belief that we are "overdue" for a recession. Stay positive.
The Business Journals gathered data from a national sample of small and mid-size business owners and we're using the data to predict the topics and trends that will matter most to small and mid-size businesses in 2017.
Our attempt was to pitch and acquisition of Nordstrom to Macy's to form a retail conglomerate. Emphasizing consumer trends and synergies between the two companies. Data provided from multiple sources mainly Deloitte's, "The Great Retail Bifurcation".
IRI’s Consumer Connect™ survey provides a quarterly snapshot of shoppers’ behaviors and attitudes as they directly relate to their strategies for learning about, purchasing and utilizing CPG and health care products, as well as information regarding perceptions of economic conditions and their ability to provide for their families.
Patrick jankowski- 2019 Economic Outlook for Southeast TexasCharlie Foxworth
Southeast Texas Economic Development Foundation slides for the economic outlook for Southeast Texas in 2019. All systems are go for a good year. The only thing that can hold us back is our belief that we are "overdue" for a recession. Stay positive.
Annie Williams Market Report May-June 2016Jon Weaver
The median price for lofts/townhomes surged 15% in April from March. It was up 4.5% year-over-year. The average price just missed tying the all-time high by $500. After an incredible rise in sales of both singlefamily, re-sale homes and lofts/townhomes in March, sales declined in April, which is unusual. But, there's just not a lot of inventory. Combine that
with the incredible demand, and it's no wonder prices are surging.
Despite positive job reports, low interest rates, strong consumer confidence ratings and even stronger buyer demand, sales of single family and condominium homes are being held back by a significant shortage of available supply.
Home Sellers: If you have a move in your future, give very serious consideration to doing it now! Buyers are ready, willing and able. Now is a most favorable time for you to be in the market.
WNS Decision Point analyse and describe about holiday shoppers and explain how marketers can best help them navigate the holiday season. Shoppers should proceed with caution this holiday season. The holiday shopping season is fast approaching and starting earlier each year, bringing unique opportunities for brands, retailers.
Taking the long view of the retail industry can be difficult. With high-speed communication, instant media and a non-stop news cycle, onlookers can be forgiven if they lose track of the big picture. Greg Maloney, CEO of JLL Retail presented a rational and thought-provoking view of the retail industry through the lens of his 35 years of industry experience at ICSC Hawaii Idea Exchange. Starting with a broad overview of the state of the national landscape and then focus on how trends, including tourism and technology, impact Hawaii’s shopping centers.
Mark Vitner, managing director and senior economist at Wells Fargo, keynoted the 2014 Economic Outlook Briefing, describing trends and the latest economic issues facing the nation and the region.
Based in Charlotte, Vitner writes for the company’s Monthly Economic Outlook report, the Weekly Economic & Financial Commentary, and also provides regular updates on the housing markets, commercial real estate, regional economies, and inflation. Vitner’s commentary has been featured in the New York Times, Wall Street Journal, and Bloomberg, among other publications.
In addition to Vitner’s economic forecast, briefing attendees heard the results of the Chamber’s annual Economic Conditions Survey, an online survey that gauges our community’s thoughts on the current economy based on Chamber member response.
Explore the latest economic trends in our region
Get the latest on economic trends at the local, state and national level from Professor of Banking and Economist for the North Carolina Bankers Association, Harry Davis, PhD.
What is your assessment of our local economy?
Speaker: Harry Davis, PhD
Dr. Harry M. Davis is the Professor of Banking (1980) and Economist (1981) for the North Carolina Bankers Association. He is professor of Finance and past Chair of the Department of Finance, Banking, and Insurance at Appalachian State University (1981-1998).
As the North Carolina Bankers Association Economist, Dr. Davis puts together quarterly economic forecasts that are carried by various news outlets. Dr. Davis is frequently interviewed throughout the year by newspapers, television, and radio stations for stories on the economy and banking. Dr. Davis is a frequent speaker at state, regional and national banking conventions on economic and banking issues.
This year, we are excited to welcome members of the Carolinas Association of Chamber of Commerce Executives (CACCE) to the Briefing as our special guests.
The Chapel Hill-Carrboro Chamber of Commerce was chosen to host the CACCE 2016 Annual Management Conference. Over 100 Chamber executives will be in attendance at the breakfast briefing to get the latest on economic forecasts.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Annie Williams Market Report May-June 2016Jon Weaver
The median price for lofts/townhomes surged 15% in April from March. It was up 4.5% year-over-year. The average price just missed tying the all-time high by $500. After an incredible rise in sales of both singlefamily, re-sale homes and lofts/townhomes in March, sales declined in April, which is unusual. But, there's just not a lot of inventory. Combine that
with the incredible demand, and it's no wonder prices are surging.
Despite positive job reports, low interest rates, strong consumer confidence ratings and even stronger buyer demand, sales of single family and condominium homes are being held back by a significant shortage of available supply.
Home Sellers: If you have a move in your future, give very serious consideration to doing it now! Buyers are ready, willing and able. Now is a most favorable time for you to be in the market.
WNS Decision Point analyse and describe about holiday shoppers and explain how marketers can best help them navigate the holiday season. Shoppers should proceed with caution this holiday season. The holiday shopping season is fast approaching and starting earlier each year, bringing unique opportunities for brands, retailers.
Taking the long view of the retail industry can be difficult. With high-speed communication, instant media and a non-stop news cycle, onlookers can be forgiven if they lose track of the big picture. Greg Maloney, CEO of JLL Retail presented a rational and thought-provoking view of the retail industry through the lens of his 35 years of industry experience at ICSC Hawaii Idea Exchange. Starting with a broad overview of the state of the national landscape and then focus on how trends, including tourism and technology, impact Hawaii’s shopping centers.
Mark Vitner, managing director and senior economist at Wells Fargo, keynoted the 2014 Economic Outlook Briefing, describing trends and the latest economic issues facing the nation and the region.
Based in Charlotte, Vitner writes for the company’s Monthly Economic Outlook report, the Weekly Economic & Financial Commentary, and also provides regular updates on the housing markets, commercial real estate, regional economies, and inflation. Vitner’s commentary has been featured in the New York Times, Wall Street Journal, and Bloomberg, among other publications.
In addition to Vitner’s economic forecast, briefing attendees heard the results of the Chamber’s annual Economic Conditions Survey, an online survey that gauges our community’s thoughts on the current economy based on Chamber member response.
Explore the latest economic trends in our region
Get the latest on economic trends at the local, state and national level from Professor of Banking and Economist for the North Carolina Bankers Association, Harry Davis, PhD.
What is your assessment of our local economy?
Speaker: Harry Davis, PhD
Dr. Harry M. Davis is the Professor of Banking (1980) and Economist (1981) for the North Carolina Bankers Association. He is professor of Finance and past Chair of the Department of Finance, Banking, and Insurance at Appalachian State University (1981-1998).
As the North Carolina Bankers Association Economist, Dr. Davis puts together quarterly economic forecasts that are carried by various news outlets. Dr. Davis is frequently interviewed throughout the year by newspapers, television, and radio stations for stories on the economy and banking. Dr. Davis is a frequent speaker at state, regional and national banking conventions on economic and banking issues.
This year, we are excited to welcome members of the Carolinas Association of Chamber of Commerce Executives (CACCE) to the Briefing as our special guests.
The Chapel Hill-Carrboro Chamber of Commerce was chosen to host the CACCE 2016 Annual Management Conference. Over 100 Chamber executives will be in attendance at the breakfast briefing to get the latest on economic forecasts.
Similar to The economy through the eyes of retail (20)
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
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Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
2. We inspire women of all ages to look and
feel their best – just as they are. With 1,000
stores across North America, we’ve earned
our reputation as a leader in hometown
fashion. The true secret to our success is
deeply rooted in our commitment to our
values.
3. JOB LOSSES
60,600 Retail jobs lost over the last 2
months
30,900 in February
29,700 in March
Numbers as of April 7th
, 2017
Largest 2-month decline since December
2009
Result of the Great Recession
4. UNEMPLOYMENT RATES
As of March 2017 the
Unemployment rate is 4.5.
Series Id: LNS14000000
Seasonally Adjusted
Series title:(Seas)
Unemployment Rate
Labor force status:
Unemployment rate
Type of data: Percent or
rate
Age:16 years and over
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2007 4.6 4.5 4.4 4.5 4.4 4.6 4.7 4.6 4.7 4.7 4.7 5.0
2008 5.0 4.9 5.1 5.0 5.4 5.6 5.8 6.1 6.1 6.5 6.8 7.3
2009 7.8 8.3 8.7 9.0 9.4 9.5 9.5 9.6 9.8 10.0 9.9 9.9
2010 9.8 9.8 9.9 9.9 9.6 9.4 9.4 9.5 9.5 9.4 9.8 9.3
2011 9.1 9.0 9.0 9.1 9.0 9.1 9.0 9.0 9.0 8.8 8.6 8.5
2012 8.3 8.3 8.2 8.2 8.2 8.2 8.2 8.1 7.8 7.8 7.7 7.9
2013 8.0 7.7 7.5 7.6 7.5 7.5 7.3 7.3 7.2 7.2 6.9 6.7
2014 6.6 6.7 6.7 6.2 6.3 6.1 6.2 6.2 5.9 5.7 5.8 5.6
2015 5.7 5.5 5.4 5.4 5.5 5.3 5.2 5.1 5.0 5.0 5.0 5.0
2016 4.9 4.9 5.0 5.0 4.7 4.9 4.9 4.9 4.9 4.8 4.6 4.7
2017 4.8 4.7 4.5
https://data.bls.gov/timeseries/LNS14000000
5. IMPACT OF RETAIL
Retail ~ 1/3 of the first time jobs in the
US
10.9% of jobs as of 2017
11.6% of jobs in 2000
According to Michael Niemira,
principle of The Retail Economist, a
Research firm, expects these number
to continue to decline.
https://www.pinterest.com/pin/102034747789529210/
6. STORES IMPACTED
J.C. Penney - two distribution facilities and
approximately 130 - 140 stores over the next
few months
Payless Shoe Source- 400 Stores ~10% of the
fleet
Macy’s- 68 of its stores nationwide
Rue21- 400 stores across the United States
including 16 in Michigan
MC Sports- 68 of its stores, 22 of which are in
Michigan.
7. DEMAND EFFECTS
Demand shifters
Tastes and Preferences
The demand for in
store shopping is
decreasing due to more
online shopping. This
causes the demand
curve for retail stores to
shift left
https://www.google.com/search?
q=shift+in+demand+curve+decrease&source=lnms&tbm=isch&sa=X&ved=0ahUKEwj5x4fJt8XTAhWn6IMKHSGCDMgQ_AUIBigB&biw=1920&bih=9
8. SUPPLY
Price points
Maurices has recently
lowered price points.
(without changing
quality)
This causes movement
along the supply curve.
9. BUSINESS CYCLE
The U.S. Jobs report released April 7th
2017
Stated this:
Hiring in the United States dropped to
its weakest pace in nearly a year, but the
unemployment rate managed to reach its
lowest level in nearly a decade.
Does this mean we are close to the Peak in
the business cycle?
10. CHANGE IN BUYING
HABITS
What is the #1 Online shopping site?
Amazon
Retailers are under more pressure
Offering discount after discount
Free shipping
What does all this do for the stores?
Takes a toll on Profit Margins
https://www.pinterest.com/pin/102034747789063191/
11. TECHNOLOGY
Store are implementing more technology
Kohl's has ordering kiosks
Maurieces Has iPad ordering
https://www.pinterest.com/pin/102034747790406303/
12. SOURCES
"Retail Store Job Cuts Deepen as More Buyers Migrate Online." The New
http://
ir.jcpenney.com/mobile.view?c=70528&v=203&d=1&id=2249169
https://www.thebalance.com/macys-store-closings-2892434
http://www.mlive.com/news/index.ssf/2017/04/teen_clothing_re
tailer_rue21_c.html
http://www.freep.com/story/money/business/2017/02/14/mc-
sports-bankruptcy-liquidation/97915766/
