MishTalk

MARCH 11, 2014

Wholesale Inventories Rise, but Sales Drop Sharply. wholesale inventories rose more than expected in January, as companies built up stocks of autos and machinery, though sales posted their largest decline in nearly five years. Sales at wholesalers fell 1.9 Economists had forecast sales to edge up 0.2 Finance reports U.S.

Sales 69

Sales Report Finance Productivity 69

MishTalk

JANUARY 3, 2014

Trillion Yuan in Audit The Washington Post notes "Local debt now equals about 33 percent of China’s gross domestic product, up from about 10 percent in 2008 and almost nothing in 1997." 2013 is likely to be the tip of the bubble belief in Merkel. China China Local Debt On December 30, Bloomberg reported China’s Local Debt Swells to 17.9

Conference 74

Conference Banking Government Balance Sheet 74

MishTalk

JUNE 11, 2015

Retail sales bounced 1.2% Auto sales were known to be strong ahead of the report, likely steering economists in the right direction. The consumer showed a lot of life in May, driving up retail sales 1.2 A leading component in the month was motor vehicle sales which jumped 2.0 Ex-auto sales are up 1.0%

Sales 28

Sales Retail Report Policies 28

MishTalk

JULY 31, 2013

Wednesday, July 31, 2013 12:36 PM. Tax Collections, Retail Sales Prove Otherwise. Spains Retail Sales Decline 36th Month. Reuters reports Spains retail sales slump stretches to three years, hampering recovery. Calendar-adjusted retail sales fell 5.1 Tax Collections, Retail Sales Prove Otherwise. Urban Digs.

Analysis 70

Analysis Trends Real Estate Financial 70

MishTalk

JULY 16, 2013

Wednesday, July 17, 2013 12:48 AM. 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. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83).

Analysis 75

Analysis Trends Real Estate Financial 75

MishTalk

JULY 31, 2013

Wednesday, July 31, 2013 1:10 PM. 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. August 2013 (16). July 2013 (82).

Trends 74

Trends Analysis Real Estate Financial 74

MishTalk

JULY 14, 2013

Sunday, July 14, 2013 1:58 PM. Spains bad bank, Sareb, has plans to unload 45,000 distressed properties in five years, over 7,500 of them in 2013. Under the chairmanship of Belén Romana, Sareb had planned to sell 45 thousand properties in the first 5 years, about 7,528 in 2013. August 2013 (16). July 2013 (82).

Banking 76

Banking Analysis Trends Real Estate 76

MishTalk

JULY 23, 2013

Tuesday, July 23, 2013 11:25 AM. The city implemented such a scoop for the 2013 budget by refinancing debt to have lower debt-service this year than it otherwise would have had, Mr. Joyce noted. 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 Advertising Case Interview 77

MishTalk

JULY 19, 2013

Friday, July 19, 2013 12:15 PM. Philadelphia : 5th Largest City in US is Effectively Bankrupt; Mayor Holds Closed Meeting With Wall Street to Discuss Asset Sales. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83).

Analysis 78

Analysis Trends Real Estate Financial 78

MishTalk

JULY 4, 2013

Thursday, July 04, 2013 8:45 PM. And that is bad news for an industry whose sales in their home markets is already complicated by the financial crisis. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83). July 2008 (104).

Analysis 71

Analysis Trends Real Estate Financial 71

MishTalk

AUGUST 7, 2013

Wednesday, August 07, 2013 5:36 PM. Consumers opened their wallets some more in March, spending an average of $89, reflecting the normally expected seasonal spring increase in sales. Spending by this group in 2013 has been in a relatively narrow range, from a high of $78 last month to a low of $70 in January. August 2013 (16).

Trends 72

Trends Analysis Real Estate Financial 72

MishTalk

JULY 19, 2013

Friday, July 19, 2013 11:40 PM. 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. August 2013 (16). July 2013 (82). June 2013 (70).

Real Estate 73

Real Estate Financial Advertising Case Interview 73

MishTalk

AUGUST 5, 2013

Monday, August 05, 2013 9:24 AM. Anecdotal evidence indicated that increased production, and expansions in sales teams, had compensated for strategic reductions in payroll numbers. Recall that prime minister Shinzo Abe wants taxes to double the sales tax rate from 5% to 10% by 2015 which will further decrease demand. Urban Digs.

Real Estate 68

Real Estate Case Interview Financial Advertising 68

MishTalk

AUGUST 4, 2013

Sunday, August 04, 2013 6:15 PM. compared with the first half of 2012, according to MPA data for the first six months of 2013, released July 9. Initial industry monitoring of digital advertising revenue for some magazine iPad versions found that sales increased about 25% in the first half of 2013. August 2013 (16).

Advertising 68

Advertising Real Estate Financial Case Interview 68

MishTalk

JULY 20, 2013

Saturday, July 20, 2013 8:10 PM. sale and spread of drone technology by the U.S. for more weapons sales and wars that bring billions in returns; a. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83). Urban Digs.

Real Estate 77

Real Estate Financial Advertising Policies 77

MishTalk

JULY 2, 2013

Tuesday, July 02, 2013 10:53 PM. Athens and the troika are at odds over an unpopular property tax and a sales tax for restaurants, while a shortfall of more than 1 billion euros has emerged at state-run health insurer EOPYY, meaning automatic spending cuts may have to be agreed to bring it back on an even keel. August 2013 (16).

Real Estate 72

Real Estate Financial Advertising Case Interview 72

MishTalk

JULY 9, 2013

Wednesday, July 10, 2013 1:25 AM. an hour wages, but only for retailers with corporate sales of $1 billion or more. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83). January 2013 (88). December 2008 (85).

Analysis 75

Analysis Trends Real Estate Financial 75

MishTalk

JULY 18, 2013

Thursday, July 18, 2013 8:19 PM. Taxpayers should be fed up with ever-escalating property taxes, sales taxes, and fees to pay ridiculous retirement plans for unappreciative public union employees, especially police, fire, and teachers unions. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82).

Analysis 77

Analysis Trends Real Estate Financial 77

MishTalk

JULY 22, 2013

Monday, July 22, 2013 2:53 AM. What applies to certain high-tech companies does not apply to the vast majority of manufacturing and retail sales businesses. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83). Urban Digs.

Analysis 66

Analysis Trends Real Estate Advertising 66

MishTalk

JUNE 29, 2013

Saturday, June 29, 2013 12:23 PM. The Fed, we would argue, is too cyclically oriented, focusing substantially on housing prices and car sales. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85). March 2013 (100). February 2013 (83). January 2013 (88).

Analysis 70

Analysis Trends Real Estate Financial 70

MishTalk

JUNE 26, 2013

Wednesday, June 26, 2013 3:18 PM. Deutsche Bank cuts gold, silver forecast for 2013. They cite jewelry, mining production, central bank sales, and all sorts of other irrelevant factors in their analysis. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85).

Real Estate 69

Real Estate Financial Case Interview Banking 69

MishTalk

JULY 30, 2013

Tuesday, July 30, 2013 7:42 PM. 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. August 2013 (16).

Real Estate 75

Real Estate Case Interview Financial Advertising 75

MishTalk

JULY 29, 2013

Monday, July 29, 2013 2:39 PM. Almost forty years later and having supervised the municipal trading/sales and banking areas at four different investment banks I still am on the watch for the green bugs in the milo. August 2013 (16). July 2013 (82). June 2013 (70). May 2013 (82). April 2013 (85).

Real Estate 69

Real Estate Insurance Insurance Financial 69

MishTalk

JUNE 25, 2014

Even after a 28 percent plunge in 2013, the bears are emboldened by this year''s records in equity markets, and gold assets in exchange-traded products have shrunk to the smallest since 2009. Also note that the median forecast is for another plunge, on top of the reported 28% plunge in 2013! Is that euphoria or extreme pessimism?

Analysis 66

Analysis Survey Exercises Sales 66

MishTalk

JANUARY 23, 2014

Due to competition from online retailers like Amazon and dismal holiday sales at Target, J.C. producing same-store sales declines deeper than 3 percent. only a few years after what he called the "fire sale holiday season of 2008." American Eagle will move some of its aerie lingerie locations into its main stores.

Retail 78

Retail Sales Healthcare Construction 78

Tom Spencer

MAY 31, 2012

Services offered by Oliver Wyman include business transformation, organisation & leadership, finance & risk, marketing & sales, operations & technology, and strategy. July 31, 2008 at 7:06 am. October 17, 2008 at 3:40 am. October 23, 2008 at 9:53 am. September 3, 2013 at 4:11 am. CHRIS OWOJORI.

Oliver Wyman 122

Oliver Wyman Strategy Strategy Strategy& 122

MishTalk

NOVEMBER 20, 2015

factory activity grew last month at its slowest pace since May 2013 as manufacturers pared their stockpiles and cut jobs. Sales of Class 8 heavy trucks are on pace for one of the best years in history - around 260,000 units in North America. Overoptimism 2008-2010 The SEP growth forecast for 2008 never turned negative.

Balance Sheet 28

Balance Sheet Banking Study Policies 28

MishTalk

JULY 26, 2014

The Yen was in this general area, at times, in 2004, 2005, 2008, 2009, and 2014. The CHART OF THE DAY shows the value of Japan’s exports is 23 percent below a March 2008 peak, even as those of South Korea, the U.S. This weakness is negative for an economy that suffered a blow to domestic demand from an April sales-tax increase.

Finance 76

Finance Energy Transportation Report 76

MishTalk

SEPTEMBER 25, 2014

One of the reasons I ask is the latest push by countries to include prostitution and drugs sales in GDP calculations. Italy : Cocaine Sales to Boost Italian GDP in Boon for Budget. The EU is following a "best practices" directive laid out in 2008 by the United Nations. The following figures are from 2013.

Government 76

Government Methodologies Report Insurance 76

Management Consulted

AUGUST 28, 2013

2008 was when the split came, and Booz Allen Hamilton (parent company) divided in 2. With the large government consulting portfolio as the core for Booz, the firm started with long legacy recurring relationships – which means less sales time (with 0 revenue) and more funded project utilization. 2004 – 2013.

Interviews 181

Interviews Culture Company Case Interview 181

Harvard Business

OCTOBER 6, 2016

The post-scandal scrutiny of Wells Fargo’s culture has so far focused on the high-pressure sales environment that drove employees to create as many as two million fake accounts. The bank has since fired 5,300 employees for the illegal behavior and eliminated retail bank sales goals entirely. But the fallout is far from over.

Leadership 37

Leadership Banking Ethics Culture 37

Harvard Business

APRIL 14, 2017

For example, our survey, which asked managers of 13 functions, from sales and marketing to procurement and finance, to indicate whether their departments were using AI in 63 core areas, found AI was used most frequently in detecting and fending off computer security intrusions in the IT department. AI wasn’t new at Microsoft.

Company 43

Company Survey Finance Engineering 43

MishTalk

JANUARY 29, 2015

CPI - Urban Consumers - All Items - Percent Change From Year Ago As measured by consumer prices, inflation went negative from December 2008 until October 2009. 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 Not on sale?

Sales 28

Sales Trends Analysis Finance 28

Harvard Business

MAY 23, 2018

We investigated this topic when we studied how Nokia executives dealt with the company’s severe strategic challenges between 2007 and 2013. Recall that Nokia dominated the mobile and smartphone markets in 2007-2008 when Apple launched the iPhone and Google the Android operating system.

Strategy 28

Strategy Strategy Strategy& Analysis 28

MishTalk

MARCH 31, 2015

This is now showing up in numerous Canadian coincident data releases, with retail sales being the latest to miss expectations last Friday. Canada December Retail Sales On February 20, the Huffington Post reported Canadian Retail Sales Post Biggest Drop Since April, 2010. Statistics Canada said Friday retail sales fell 2.0

Data 28

Data Retail Sales Banking 28

MishTalk

FEBRUARY 26, 2014

The slow-down in housing was “expected” in our models as I have constantly conveyed it to you through my economic co-op on econo-physics it has to do with spike in rates in mortgage rates between May and August 2013. in 2013 after 2.2% in 2012 and 2011. This is mainly due to low wage growth.

Banking 74

Banking Conference Travel Policies 74

MishTalk

APRIL 11, 2014

Credit card sales volume also grew, up 10 percent to $104.5 Revenues from trading bonds, currencies and commodities fell 21 per cent in the first quarter to $3.8bn, compared with the same period in 2013. Auto loans grew by 3 percent, to $6.7 billion from $6.5 billion a year earlier. billion, up 4 percent from the same period last year.

Banking 71

Banking Report Financial Marketing 71