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We Tracked Every Dollar 235 U.S. Households Spent for a Year, and Found Widespread Financial Vulnerability

Harvard Business

The lack of access to stable, predictable cash flows is the hard-to-see source of much of today’s economic insecurity. Financial Diaries (USFD), an unprecedented study to collect detailed cash flow data for U.S. This income volatility is the result of broad shifts in the labor market. households.

Cash Flow 134
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Oil’s Boom-and-Bust Cycle May Be Over. Here’s Why

Harvard Business

Unlike national oil companies and oil majors that typically take five to 10 years to develop conventional oil reserves, these independent and “unconventional” players have improved their drilling and fracturing technology to the point where they can respond within months to temporary spikes or dips in the market. The soaring U.S.

Cash Flow 128
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How Banks Can Compete Against an Army of Fintech Startups

Harvard Business

The marketing, underwriting, and servicing of SME loans have largely taken a backseat. New digital entrants have spotted the market opportunity created by these dynamics, and the result is an explosion in online lending to SMEs from fintech startups. Other sectors of retail lending have not fared much better.

Banking 133
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Time to Short the US Dollar? Go Long Commodities?

MishTalk

The headline call was and remains that Germany will be close to recession by Q4-2014 or Q1-2015 setting up a desperate ECB and a Europe once again close to zero growth instead of the “escape velocity” everyone and their dog promised you and me in December and January. The US average GDP the last five years has been 2.0%.

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Earnings Cheating Season: Is Your Favorite Company Cooking the Books?

MishTalk

Most correlation analysis finds virtually no post-war relationship between economic growth and the stock market. Indeed, we knew from Japan that the equity market would start to track the economic and earnings cycle closely. A sharp decline in EPS optimism since 2009 has been consistent with previous hiatuses in financial markets.

Company 66
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Why Buying a Company Can Be Better than Starting One

Harvard Business

For example, in 2015, Jennifer Braus bought Systems Design West, which serves hundreds of municipal firehouses in the Pacific Northwest by handling billing to insurance companies for their emergency ambulance transports. Low growth, in contrast, means low risk, and low risk is great because it is your money at stake.

Company 70
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Strong Economy – Strong Buy-Sell Market

Martinka Consulting

Second question: is there similar activity with larger companies, small, mid-sized, and lower middle market firms? Magazine – 65-75% of small companies in the US – some 10 million – likely hang up a “for sale” sign in the next 10 years (2015). Axial – 66% of businesses with employees are owned by baby boomers (2015).