Career Advice, Global Insights, Leadership

Back to (Virtual) School Advice

23 Sep , 2020  

2020 will be the year we relate to our children and grandchildren, when we discuss overcoming challenges and difficulty. When students looks back, they will remember the online classes and to move to virtual everything. In passing, we will remember more of the good than the bad, as is the case with almost all reflection. […]

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Global Insights, Innovation

Recession in 2019 or 2020? Yield Curve Might Say So!

14 Dec , 2018  

By now, you have probably heard that the yield curve has got flatten and will likely invert in 2019. What does this mean? Specifically, economists and investors look at the yield of the 10 year treasury note and subtract that rate from that of the 2 year treasury note. Rationally, investors want higher rates for […]

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Global Insights

Growth in 2019? Look at US Housing Values

11 Dec , 2018  

As the end of 2018 soon closes, all eyes are turning to the prospects for economic growth in 2019. As seemingly always, growth comes from the US housing market or results in reinvestment in the US housing market. In either case, we see growth in or through the US housing market. People make more and […]

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Global Insights

¡Interesante! Growth Opportunities with US Hispanics

14 Oct , 2018  

The wave of Spanglish has hit advertisers in recent years. Dos Equis invites its customers to “Keep it Interesante,” while taco fans at Taco Bell “Live Más.” Home Depot and other retailers have adopted a near bilingual policy in stores. Smart move! Hispanic culture is alive an well in the US, and it is an […]

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Global Insights, Innovation

Ultimate Privacy Will Soon Be Lost

13 Oct , 2018  

Companies often grapple with the challenges of respecting customer privacy. Although most firms do not seek to cause or do harm, data breaches, inadvertent misuse of data, and unauthorized publishing of data seem to ultimately happen. Data on a social media site, on a shopping site, or from your gym membership may seem sensitive. But, […]

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Global Insights, Leadership

Winners and Losers in US Real Estate and the US Economy

14 Sep , 2018  

Just this week, we heard the good news that median household income grew by 1.8% to $61,372, a new post-recession high. Still, some 39.4 million Americans live in poverty, and that number improved. Unemployment has gone down, and the equity markets are banging on all-time highs. Still, a few things are not working. Not everyone […]

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Global Insights, Innovation, Risk Management

8 Key Graphs on US Real Estate, Local Economies, and Migration

9 Aug , 2018  

By most conventional measures of the US economy, we are enjoying broad prosperity in the US. Unemployment is down, equity markets are up. However, salary growth is lagging for many. Analysis by the Pew Research Center shows that average real wages are essentially flat over the last 50 years. It shows that prosperity has not reached the middle class and, well, never did.

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Global Insights, Innovation

Dilly Dilly – Millennials like your Ads but Not Your Beer!

5 Feb , 2018  

The Super Bowl is a great opportunity for advertisers to reach a large customer base. We have grown accustomed to seeing many entertaining, emotional, funny, and even inspiring advertisements during the Super Bowl. All, of course, in the name of them convincing us to buy their products. Perhaps no industry has seized on the Super […]

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Global Insights, Leadership, Risk Management

The Case for Low Interest Rates, Lower Taxes, and More Babies – Deflation!

7 Sep , 2017  

The economists and central bankers of the US Federal Reserve have a perplexing challenge. The US economy has picked up in terms of GDP growth, but inflation is below the Goldilocks target of 2%. How could economic models be wrong? What, if anything, has changed? It has spurred a serious discussion that suggests that US economy operates differently now. I think the answer is obvious – DEFLATION! We have deflation, just not in an absolute form. We have deflation in the economy like you might have bugs in your house. They are not everywhere, just in places. Overall, the house is mostly clean, but there are some bugs.

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Global Insights, Leadership

Iceland: Economic and Business Lessons – Fire and Ice

25 Aug , 2017  

Iceland: Economic and Business Lessons – Fire and Ice This summer, I had the pleasure of visiting Iceland with my family. It is an amazing country in so many ways. In addition to its unmatched natural beauty of mountains, glaciers, seashores, and active volcanoes, visiting offers some great lesson in economics and business. Iceland Has […]

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