Tom Spencer

MAY 31, 2012

Accenture offers management consulting services covering finance & performance management, talent & organisation performance, strategy, customer relationship management, and supply chain management. February 20, 2010 at 9:42 am. March 9, 2010 at 10:57 pm. March 25, 2010 at 6:52 am. March 27, 2010 at 3:03 pm.

Oliver Wyman 122

Oliver Wyman Strategy Strategy Strategy& 122

MishTalk

OCTOBER 14, 2014

In 2009 and 2010 " Walking Away " was the rage. But the proceeds of those sales were often not enough to cover the amount of the loan, plus penalties, legal bills and fees. But the proceeds of those sales were often not enough to cover the amount of the loan, plus penalties, legal bills and fees.

Finance 75

Finance Banking Financial Report 75

MishTalk

JULY 23, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Scranton taxpayers could face a 117 percent increase in taxes next year as the citys finances continue to spiral out of control. It may be viewed by some as kicking the can down the road, but it may prove to the state that we need a (countywide) sales tax.".

Real Estate 77

Real Estate Financial Case Interview Advertising 77

MishTalk

JULY 31, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Tax Collections, Retail Sales Prove Otherwise. The government deficit totaled €40 billion in the first six months of the year in terms of national accounts, 3.81% of GDP, according to data released Tuesday by the Ministry of Finance and Public Administration.

Analysis 69

Analysis Trends Real Estate Financial 69

MishTalk

JULY 14, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Clearly the pace of sales is very far below the business plan. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122). October 2010 (91). September 2010 (95). August 2010 (102).

Banking 75

Banking Analysis Trends Real Estate 75

Harvard Business

APRIL 3, 2018

As organic wine pioneer Jonathan Frey remarked in an interview, “These large companies would finance scientific studies to prove that organic was a joke and didn’t have any health benefits.” ” Organic wine was not strongly embraced by distributors and retailers, either. What changed?

Chemicals 126

Chemicals Retail Case Interview Turnaround 126

MishTalk

FEBRUARY 5, 2014

Russia Cancels Debt Auctions Second Week Yesterday, Reuters reported Russia cancels domestic bond auction citing market conditions Russia''s finance ministry cancelled its weekly domestic bond auctions for the second week in a row on Tuesday, saying in a statement the decision was "based on an analysis of current market conditions".

Resumes 72

Resumes Government Finance Analysis 72

Harvard Business

DECEMBER 14, 2018

Given that those companies were all venture-financed and emerged from Silicon Valley, you might assume that the key ingredients that have ensured their success were cutting-edge technologies, digital platforms, and customer bases that were chiefly made up of digital natives.

Advertising 132

Advertising Turnaround Resources Comparison 132

Harvard Business

AUGUST 3, 2018

People can be hired through the sharing economy; technology can be rented by the hour; finance can be sought for any prototype, and assets bought. Nokia during 2007-2010 was an example of a corporation with great innovation capacity. Apple kept 30% of the sales made by outside developers.

System 132

System Development Resources Case Study 132

MishTalk

JULY 16, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Hormel Cure 81 hams were allegedly on sale for $3.99 Kim notified me "the sale price was $3.99" and it was reflected on the receipt. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122).

Analysis 73

Analysis Trends Real Estate Financial 73

MishTalk

JULY 30, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Richmond, California, is backing a plan to buy mortgages in low-income areas for as little as 25 cents on the dollar and may force the sales under eminent domain laws, moving forward with a controversial program that would potentially seize control of home loans from investors.

Real Estate 74

Real Estate Case Interview Financial Advertising 74

MishTalk

JULY 31, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Yet, the yoy rate of real final sales per capita is below 1% for the second quarter in a row, whereas the second quarter annualized rate is near contracting. annualized real final sales per capita rates would have been reported as contracting. December 2010 (122).

Analysis 72

Analysis Trends Real Estate Financial 72

MishTalk

JULY 19, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Philadelphia : 5th Largest City in US is Effectively Bankrupt; Mayor Holds Closed Meeting With Wall Street to Discuss Asset Sales. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122).

Analysis 78

Analysis Trends Real Estate Financial 78

Tom Spencer

JUNE 6, 2020

Due to the boom of the internet, nearly one third of apparel and footwear was sold online in 2018 (vs 1% in 2010). Another example could be where one segment may be very sensitive to price and always buy merchandise on sale, whereas the other may value time over savings and typically pay full price. Psychographic segmentation.

Apparel 103

Apparel Retail Examples Productivity 103

MishTalk

JULY 2, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. If they fail, the International Monetary Fund might have to withdraw from the 240 billion euro ($313 billion) bailout to avoid violating its own rules, which require a borrower to be financed a year ahead. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser.

Real Estate 70

Real Estate Financial Case Interview Advertising 70

Harvard Business

MARCH 7, 2017

When Subra Suresh was tapped to lead the National Science Foundation (NSF), in 2010, he saw that many of the pathbreaking discoveries developed through the agency’s grants weren’t finding their way to the marketplace, so he sought to foster better links between government and industry. Cat Yu for HBR.

Government 138

Government Course Conference Productivity 138

MishTalk

JULY 19, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Instead, it is sitting on a pile of cash worth about $280 million—50% higher than its pile a decade ago, equivalent to one-fifth its annual sales, and more than twice the level required for the firm to be deemed loan-worthy by a bank. 2010-02-12 Max Keiser.

Real Estate 72

Real Estate Financial Case Interview Advertising 72

MishTalk

JUNE 27, 2014

The area’s failure to attract tenants since the first building was finished in 2010 bodes ill across the Hai River for the separate Yujiapu development, which is modeled on New York’s Manhattan and remains in progress. Sales of bonds by local-government vehicles to repay bank loans are just “buying time,” he said.

Hotels 77

Hotels Banking Government Construction 77

MishTalk

JULY 4, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. And that is bad news for an industry whose sales in their home markets is already complicated by the financial crisis. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122). October 2010 (91).

Analysis 70

Analysis Trends Real Estate Financial 70

MishTalk

JULY 9, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. an hour wages, but only for retailers with corporate sales of $1 billion or more. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122). October 2010 (91). September 2010 (95).

Analysis 73

Analysis Trends Real Estate Financial 73

Harvard Business

JULY 17, 2018

The Board Had No Finance Committee. GE’s board had another major structural defect: It lacked a finance committee. As I have explained elsewhere , a finance committee is critical for a board in complex public companies like GE, which are involved in a broad range of retirement plans, stock buybacks, and large acquisitions.

Cash Flow 70

Cash Flow Finance Financial Company 70

MishTalk

AUGUST 7, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Consumers opened their wallets some more in March, spending an average of $89, reflecting the normally expected seasonal spring increase in sales. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122).

Trends 70

Trends Analysis Real Estate Financial 70

MishTalk

AUGUST 5, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Anecdotal evidence indicated that increased production, and expansions in sales teams, had compensated for strategic reductions in payroll numbers. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122).

Real Estate 65

Real Estate Case Interview Financial Advertising 65

MishTalk

AUGUST 4, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Initial industry monitoring of digital advertising revenue for some magazine iPad versions found that sales increased about 25% in the first half of 2013. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). July 2010 (108).

Advertising 67

Advertising Real Estate Financial Case Interview 67

Harvard Business

FEBRUARY 21, 2018

Higher pay throughout the industry helped lead to more sales, creating a virtuous cycle of growth and prosperity. Looking closer at the period following the financial crisis, 2010 to 2014, we find that weak demand played a key role in the recent productivity growth decline to historic lows. Could we be at another Henry Ford moment?

Retail 71

Retail Financial Productivity Trends 71

MishTalk

JUNE 26, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Readers may recall that in 2010 and 2011, after largely ignoring the fact that gold had been going up for more than a decade, virtually all the major mainstream banks and brokers suddenly turned bullish on gold. 2010-03-12 - Mish with Marc Faber. October 2010 (91).

Real Estate 68

Real Estate Financial Case Interview Banking 68

MishTalk

JUNE 29, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. The Fed, we would argue, is too cyclically oriented, focusing substantially on housing prices and car sales. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122). October 2010 (91).

Analysis 67

Analysis Trends Real Estate Financial 67

MishTalk

JULY 22, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. What applies to certain high-tech companies does not apply to the vast majority of manufacturing and retail sales businesses. 2010-03-12 - Mish with Marc Faber. 2010-02-12 Max Keiser. December 2010 (122). November 2010 (122). October 2010 (91).

Analysis 63

Analysis Trends Real Estate Case Interview 63

MishTalk

FEBRUARY 21, 2014

Much of the upward revision is in consumer spending and reflects the November figures on retail sales and PCE services. Dudley : The monoline insurers don’t have to mark to market the consequences of the deterioration in, say, the structured-finance product they insured. We’ve had obviously very low sales for a period.

Construction 77

Construction Conference Meeting Policies 77

MishTalk

NOVEMBER 11, 2013

Already facing declines in wages, households will be hit in April by a consumption-tax increase intended to shore up Japan’s finances. Japan’s salaries extended the longest slide since 2010 in September, with regular wages excluding overtime and bonuses falling 0.3 Sales taxes will rise from 5% to 8%, a tax rate increase of 60%.

Finance 69

Finance Survey Sales Report 69

Harvard Business

DECEMBER 6, 2016

companies don’t pay taxes on debt-financed investments, which amounts to a subsidy. After-tax profits are at historically high levels; they were more than 50% higher as a share of GDP in the years 2010-2015 than they were over the prior 20 years. And in practice, the foreign income of U.S. Further, U.S.

System 70

System Finance Efficiency Government 70

Management Consulted

FEBRUARY 7, 2016

Created as a result of a 2010 merger between Towers Perrin and Watson Wyatt Worldwide, Towers Watson combines the financial services expertise of the old Towers Perrin with the human capital expertise of the old Watson Wyatt. In 2010, these two storied companies joined forces to become Towers Watson. Sales Effectiveness and Rewards.

Interviews 100

Interviews Culture Consulting Case Interview 100

Tom Spencer

OCTOBER 26, 2019

Can the buyer easily finance the acquisition? Rationale: The main reason IBM decided to buy these 40+ companies is that they could all benefit from the firm’s global sales force. Situation #2: In 2010, Apple decided to buy Siri , its now famous voice assistant. What’s the acquisition rationale? Apple Acquisition.

Case Study 60

Case Study Case Studies Study Case Interview 60

Harvard Business

DECEMBER 20, 2016

I’m talking about the superconsumers who are inside your organization, working at every level: the fashionista who works in the mail room at the headquarters of an apparel company, or the finance manager who works for a pork brand and who eats three pounds of bacon in any given week. Sales & Marketing Adapted from.

Energy 70

Energy Airlines Culture Retail 70

Kates Kesler

JUNE 11, 2014

Nearly every function from marketing to human resources and finance was replicated at each level: Enterprise functions and infrastructure. Country P&Ls would be replaced with simpler, sales-oriented measures. Geographic Zones (consolidated P&L, plus infrastructure). Regional Clusters (P&L, plus infrastructure).

Apparel 82

Apparel Healthcare Enterprise Chemicals 82

MishTalk

JANUARY 29, 2015

Food An article on Yahoo Finance on January 16 caught my eye and I bookmarked it: Yes, you ARE paying more for food. Mish Food Shopping Experience From approximately 2000 until 2010 or perhaps 2011, the sale price of prime rib was $4.99 Now the sale price is $7.99 That is roughly the same sale price for 10 years.

Sales 28

Sales Trends Analysis Finance 28

MishTalk

DECEMBER 10, 2015

The index includes the following costs: Fuel, Wages, Equipment, Depreciation, Financing, Admin, Compliance, and Insurance. This will most likely drive a drawdown much like the one we saw in 2009 and 2010. Inventories to Sales Economists missed the wholesale trade report numbers by a mile. percent but sales are down 3.7

Sales 28

Sales Report Trends Real Estate 28