Tom Spencer

OCTOBER 8, 2016

In the fall of 2015, after spending two years in a small town in the Ruhr Valley starting to learn German (I will appreciate Mark Twain’s perspective on the sprache so much better going forward), I moved to Frankfurt to begin my Executive MBA at the Frankfurt School of Finance and Management. This is a guest post from Marguerite Arnold.

Education 83

Education Finance Enterprise Banking 83

MishTalk

OCTOBER 23, 2015

China’s central bank cut benchmark interest rates for the sixth time this year in a bid to support an economy which is forecast to grow at its slowest annual rate in 25 years. per cent in 2015, the lowest International Monetary Fund forecast since 2009, and analysts are concerned that prospects for next year are also dimming.

Benchmarking 28

Benchmarking Banking Exercises Policies 28

MishTalk

MAY 28, 2015

On May 13, Moody's shocked the municipal bond market by downgrading Chicago to junk. Kristi Culpepper, AKA "Bond Girl" comments on the event in What Chicago’s Fiscal Emergency says about the Quality of Credit Analysis in the Municipal Bond Market. Rating actions tend to lag the market rather than lead it. of revenue.

Analysis 28

Analysis Marketing Financial Finance 28

MishTalk

DECEMBER 16, 2014

The idea that because of the waste and corruption and populist spending, these countries can therefore enforce a particular price on the market is nonsense. The first point to note is that OPEC’s market power is waning. The US (and North American) production has transformed the market. OPEC supplies. After leading the U.S.

Energy 77

Energy Banking Report Productivity 77

MishTalk

DECEMBER 26, 2014

The fact that rates were cut, even though many reformers within the administration were very much opposed, exemplifies the challenges that Beijing will face in 2015. We are going to see this argument replayed many times in 2015. in November, completing nearly three years of monthly declines.

Banking 71

Banking System Benchmarking Finance 71

MishTalk

JANUARY 19, 2015

As of the end of Monday January 19, 2015, European 10-year yields are as follows: German 10-Year bond yield 0.441%; French 10-Year bonds yield.641%; This was the first time first time that the benchmark borrowing costs of a developed economy''s government has gone negative for a 10-year duration. At least they are positive.

Benchmarking 28

Benchmarking Banking Government Policies 28

MishTalk

SEPTEMBER 20, 2015

In an effort to convince the market that rate hikes are coming, an amusing parade of Fed parrots squawked in full force over the weekend, within an hour or so of each other. Bullard is not a voting member of the policy-setting Federal Open Market Committee in 2015, but will vote in 2016. If not, why? Why All the Squawking?

Policies 28

Policies Banking Conference Meeting 28

MishTalk

JANUARY 19, 2015

As of the end of Monday January 19, 2015, European 10-year yields are as follows: Germany 10-Year bond yields 0.441% France 10-Year bonds yields.641% Last week was the first time that the benchmark borrowing costs of a developed economy''s government has gone negative for a 10-year duration. Swiss LIBOR Hits Record Low -0.72

Benchmarking 28

Benchmarking Banking Government Policies 28

MishTalk

MAY 6, 2014

Historical and Estimated Healthcare Premiums Employer Healthcare Contributions Average Healthcare Premiums Using Its Proprietary Model, Global Market Intelligence Calculates Significant Cost Savings Potential For U.S. This model assesses the impact on both employees and corporate America, benchmarked by S&P 500 member companies.

Healthcare 71

Healthcare Report Insurance Insurance 71

MishTalk

AUGUST 30, 2015

This Bloomberg headline " If the Options Market Is Right, China's Stock Rescue Is Doomed " reads like something one would find in a tabloid, but the reverse is now true. Options traders have never been so pessimistic on China’s stock market, betting the government’s renewed effort to prop up share prices is doomed to fail.

Benchmarking 28

Benchmarking Government Data Marketing 28

Harvard Business

JULY 19, 2017

A 2014 study from Constellation Research quantified the accelerating rate of change in the enterprise by examining a simple benchmark — the entry and exit of U.S. Fundamentally, though, digital transformation is the result of enterprises seeking to adapt to the storm of new technology affecting markets and customers.

Industry 28

Industry Enterprise Boston Consulting Group Benchmarking 28

Harvard Business

JUNE 30, 2016

ZBB has been around for decades, but is currently enjoying a revival driven by powerful investors like 3G Capital Partners, the force behind the 2015 merger of Kraft Foods and H.J. Such high-profile exposure has prompted more companies to view ZBB as a fresh “wonder diet” for achieving radical corporate leanness.

Company 33

Company Benchmarking Travel Policies 33

MishTalk

APRIL 21, 2015

million bond offering by the beleaguered Chicago Board of Education hit the market. That is 285 basis points higher than Municipal Market Data''s benchmark triple-A scale. Debate Over Risk Municipal Market Analytics (MMA) says Despite it All, Chicago Schools'' Default Risk is Low. Today a $295.7 The Yield Hit 5.63%.

Education 28

Education Benchmarking System Government 28

MishTalk

JANUARY 12, 2015

Iron Ore Down 50% Last Year The Australian Business Review reports Iron Ore Price Reverse Gathers Pace, With New 2 percent Decline At the end of the latest offshore session, benchmark iron ore for immediate delivery to the port of Tianjin in China was trading at $US68.50 a tonne, down 1.9 per cent from its previous close of $US69.80

Real Estate 28

Real Estate Benchmarking Metrics Report 28

MishTalk

FEBRUARY 6, 2015

The annual benchmark process also contributed to these revisions. at 62.9 - Household Survey January 2015 Employment Report Please consider the Bureau of Labor Statistics (BLS) November 2014 Employment Report. Sitka Pacific is an asset management firm whose goal is strong performance and low volatility, regardless of market direction.

Report 28

Report Survey Benchmarking Construction 28

Harvard Business

SEPTEMBER 27, 2016

He had a close connection to evolving customers, shrewd instincts about how the market was developing, and a keen sense of the disruption that was needed in the region. In a 2015 report, the Boston Consulting Group labeled the occurrence “ leapfrog successions.” Why take the risk? In other words, he had the right mindset.

Boston Consulting Group 28

Boston Consulting Group Case Interview Leadership Talent 28

MishTalk

MAY 4, 2015

Due to the lag between when taxes are levied and collected, paying the required pension payments in 2016 would mean any property tax would have to be levied in 2015. Based on state law and recent actuarial valuations, Chicago is required to contribute $839 million to its policemen’s and firemen’s pensions in 2016 (levy year 2015).

Financial 28

Financial Benchmarking Government Report 28

Harvard Business

MAY 19, 2016

Back in the 1980s, a company could set itself apart through scale, being the largest company in a category provided leverage over costs, back office processes, distribution, and marketing effectiveness. Consider, for example, the way many credit cards are marketed. But in 2015, CostCo shifted its affiliation to Citigroup’s Visa.

Productivity 41

Productivity Company Enterprise Retail 41

MishTalk

FEBRUARY 23, 2015

But commodity markets and producer prices have not been "accommodating" central bankers. The yield on Germany’s benchmark 10-year bond has fallen to 0.35 2015 will be a “pivotal and challenging year” for Germany’s life assurance industry. And " beggar thy neighbour " policy was a feature of the early 1930s as well.

Insurance 28

Insurance Insurance Policies Benchmarking 28

MishTalk

MARCH 3, 2015

The People’s Bank of China will cut benchmark deposit and lending rates again next quarter as the economy slows, according to economists surveyed by Bloomberg. Premier Li Keqiang is expected to announce a 2015 economic growth goal of about 7 percent, down from last year’s 7.5 The median forecast is for a deposit rate of 2.25

Benchmarking 28

Benchmarking Survey Policies Banking 28

MishTalk

JULY 7, 2015

The CEOs were Jenny Lee of GGV Capital, Steve Jurvetson of Draper Fisher Jurvetson, Rebecca Lynn of Canvas Venture Fund, Bill Gurley of Benchmark Partners and Shervin Pishevar of Sherpa Ventures. That map and valuation is as of April 8, 2015. Green Car Reports linked to a Forbes article in which Five Top VCs Predict The Future.

Trends 28

Trends Report Benchmarking Transportation 28

MishTalk

JANUARY 26, 2015

Shippers negotiating with carriers over 2015 freight rates ought not be swayed by the dramatic lowering of diesel fuel costs into believing their carriers’ overall cost of doing business are lessening. It is derived directly from carriers’ financial and operational data and provides a vital benchmarking tool for both carriers and shippers.

Hotels 28

Hotels Education Transportation Industry 28

Harvard Business

AUGUST 9, 2016

From 1996 to 2015, the number of publicly traded companies in the United States alone dropped nearly 50%. These “buy, fix, manage, and then sell” PE firms were essentially umbrella holding companies while the acquired firms would become better managed before returning to the public market. Large private equity firms (e.g.,

Talent 28

Talent Real Estate Financial Operations 28

Harvard Business

FEBRUARY 23, 2017

In 2015 U.S. The pay ratio is also a misleading statistic because CEOs and workers operate in very different markets, so there is no reason for their pay to be linked — just as a solo singer’s pay bears no relation to a bassist’s pay. The numbers are striking. CEOs earned 335 times the pay of the average worker.

Talent 34

Talent Video Industry Study 34

MishTalk

FEBRUARY 3, 2015

Three days ago The Australian reported Queensland election 2015: Labor on brink of forming government. We are 12 weeks away from the 2015 budget and we haven’t passed the 2014 budget. In December of 2013 I wrote Australia''s Alleged Conservatives Surrender to Unions; Currency Madness Everywhere. Now I say that sadly.

Government 28

Government Banking Leadership Journal 28

MishTalk

MARCH 1, 2015

One real estate agent said “a hell of a lot” of property was on the market – about 400 houses were for rent or sale and buyers were scarce. The Australian dollar fell sharply on the announcement of a cut, dropping to a fresh 5½-year low, while the stock market surged to the highest level since May 2008.

Real Estate 28

Real Estate Banking Policies Construction 28

MishTalk

MARCH 12, 2015

China''s growth target for 2015 is 7.0%. Expectations that the US Federal Reserve will soon raise rates is sending the dollar rocketing higher, while central banks in the eurozone, China and many emerging markets are all easing to fight falling inflation and shore up growth. Many question those growth estimates. I certainly do.

Banking 28

Banking Government Video Financial 28

MishTalk

OCTOBER 2, 2013

Federal Reserve''s benchmark short-term borrowing rate - will rise by one percentage point by late 2015. Right now the market (and the Fed forecasts) expects fed funds to be 1 percent higher by late 2015 and 1 percent higher still by December 2016. Those in gold face the risk the bull market is over.

Benchmarking 69

Benchmarking Policies Marketing Banking 69

MishTalk

JULY 25, 2015

Please consider Fed Inadvertently Publishes Staff Forecast for 2015 Rate Hike. Federal prosecutors are currently probing an alleged leak at the Fed of market-sensitive information to a private financial newsletter in 2012. "It percent in the fourth quarter of 2015.

Banking 28

Banking Financial Benchmarking Groups 28

MishTalk

JANUARY 27, 2016

A pre-pricing marketing scale circulated by underwriters on Tuesday for the "junk"-rated general obligation bonds showed yields topping out at 7.75 That yield indicated a so-called credit spread over Municipal Market Data's benchmark triple-A yield scale of as much as 506 basis points. But that's not the way markets work.

Education 28

Education Sales Benchmarking System 28

MishTalk

JANUARY 13, 2015

But, almost unnoticed, the market has started to price a return to the parity between the two benchmarks in five years. The bet on a return to WTI-Brent parity appears based on progress to build several new pipelines that promise to de-bottleneck Cushing, the key delivery point for the WTI benchmark, and the return of Libyan crude.

Benchmarking 28

Benchmarking Comparison Analysis Productivity 28