Feed My Greed http://www.feedmygreed.com financial and business blog for those seeking advice and insight. Wed, 20 Sep 2017 17:14:08 +0000 en-US hourly 1 Protecting Your Business With Systems Over People http://www.feedmygreed.com/protecting-your-business-with-systems-over-people-2/ Wed, 20 Sep 2017 17:14:08 +0000 http://www.feedmygreed.com/protecting-your-business-with-systems-over-people-2/

Apple, Inc. was started by dual friends in a garage in 1976, and has given grown into one of a largest companies in a world. Despite carrying a violent past, and losing a CEO during a pivotal time in a history, a association has blending and grown to not usually colonize new markets, though also make a hole in cocktail culture.

Though many might disagree that Apple’s success is formed mostly on a future-minded engineers, iconic selling campaigns, product functionality, or a turn of use it provides a customers, a law is that they’ve remained successful since they’ve stable one of their many profitable assets: their inner systems.

Systems Over People means safeguarding a inner processes of your business, by building a well-trained and variable staff. It means:

  • Having systems that are formalized and documented
  • Having employees who are lerned and retrained on your systems
  • Having those systems tested and re-tested consistently to secure rise efficiency

You need to safeguard that your staff is entirely prepared to change roles and responsibilities within your classification during any given moment, since as an owners we need to strengthen your business from a impacts of terminations, promotions, sicknesses and deaths.

In August of 2011, Apple announced that Steve Jobs was stepping down as CEO of a company, and that he tapped Tim Cook, Apple’s afterwards Chief Operating Officer, to take his place.

Cook was a timeless 13-year member of a Apple group during that time, creation his symbol in a association by improving worldwide sales and operations, and overhauling Apple’s manufacturing, placement and supply sequence processes. With his “Inventory is essentially evil” approach, Cook had managed to revoke a volume of time a batch object sat on a shelf from months to days, saving Apple many millions of dollars. Time and time again, he valid his efficacy as a leader.

After Jobs upheld divided in Oct 2011, Apple continued to declare exponential expansion underneath Cook’s leadership. The reason for this successful transition of energy was since Jobs famous a talents and abilities of Cook, and prepared a arriving CEO, and a company, for his new care role. In fact, a systems and principals of value were, and remain, a enlightenment of Apple today.

No matter a distance of your business, request and teach a systems-based proceed to using your office. Great employees and trained systems will equal good success. If we concede employees to emanate their possess systems and disciplines, we as a owners will compensate a price.

Jobs, for all his fanaticism, combined an sourroundings during Apple of potency and value that could live on but him!

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Protecting Your Business With Systems Over People http://www.feedmygreed.com/protecting-your-business-with-systems-over-people/ Wed, 20 Sep 2017 17:14:07 +0000 http://www.feedmygreed.com/protecting-your-business-with-systems-over-people/

Apple, Inc. was started by dual friends in a garage in 1976, and has given grown into one of a largest companies in a world. Despite carrying a violent past, and losing a CEO during a pivotal time in a history, a association has blending and grown to not usually colonize new markets, though also make a hole in cocktail culture.

Though many might disagree that Apple’s success is formed mostly on a future-minded engineers, iconic selling campaigns, product functionality, or a turn of use it provides a customers, a law is that they’ve remained successful since they’ve stable one of their many profitable assets: their inner systems.

Systems Over People means safeguarding a inner processes of your business, by building a well-trained and variable staff. It means:

  • Having systems that are formalized and documented
  • Having employees who are lerned and retrained on your systems
  • Having those systems tested and re-tested consistently to secure rise efficiency

You need to safeguard that your staff is entirely prepared to change roles and responsibilities within your classification during any given moment, since as an owners we need to strengthen your business from a impacts of terminations, promotions, sicknesses and deaths.

In August of 2011, Apple announced that Steve Jobs was stepping down as CEO of a company, and that he tapped Tim Cook, Apple’s afterwards Chief Operating Officer, to take his place.

Cook was a timeless 13-year member of a Apple group during that time, creation his symbol in a association by improving worldwide sales and operations, and overhauling Apple’s manufacturing, placement and supply sequence processes. With his “Inventory is essentially evil” approach, Cook had managed to revoke a volume of time a batch object sat on a shelf from months to days, saving Apple many millions of dollars. Time and time again, he valid his efficacy as a leader.

After Jobs upheld divided in Oct 2011, Apple continued to declare exponential expansion underneath Cook’s leadership. The reason for this successful transition of energy was since Jobs famous a talents and abilities of Cook, and prepared a arriving CEO, and a company, for his new care role. In fact, a systems and principals of value were, and remain, a enlightenment of Apple today.

No matter a distance of your business, request and teach a systems-based proceed to using your office. Great employees and trained systems will equal good success. If we concede employees to emanate their possess systems and disciplines, we as a owners will compensate a price.

Jobs, for all his fanaticism, combined an sourroundings during Apple of potency and value that could live on but him!

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Douglas County’s practice stays solid in August http://www.feedmygreed.com/douglas-countys-employment-stays-steady-in-august-2/ Wed, 20 Sep 2017 17:14:06 +0000 http://www.feedmygreed.com/douglas-countys-employment-stays-steady-in-august-2/ The seasonally practiced stagnation rate rose from 5 percent in Jul to 5.3 percent in August, next a Aug 2016 rate of 6.5 percent. Meanwhile, Oregon’s stagnation rate was 4.1 percent and a U.S. rate was 4.4 percent.

“It’s steady, it has depressed and it’s doing accurately what it did final year and a year before and a year before that,” pronounced Annette Shelton-Tiderman, informal economist.

More jobs are typically combined any August, reflecting a start of a propagandize year as good as an uptick in anniversary work. Retail trade mostly sees an boost in practice during Aug due to behind to propagandize selling and tourism, according to Shelton-Tiderman.

Douglas County’s sum payroll practice rose by 440 jobs in August, including though not singular to 300 jobs in internal government, 50 in veteran and business services and 30 in sell trade. There were no poignant waste in August. The over-the-month practice numbers vacillate some-more than a over-the-year numbers, and there is a aloft domain of error.

While some tools of a state are saying a dump in sell trade and liberality since of a wildfire fume that hung over Oregon in August, Shelton-Tiderman pronounced she’s not saying that in Douglas County.

Over a year finale in August, about 400 jobs were combined in Douglas County for an annual expansion rate of 1.1 percent. Construction grew by 200 jobs, production by 130, financial activities by 50 jobs and, private-sector preparation and health services by 40 jobs. Professional and business services mislaid 70 jobs over a year, and transportation, warehousing and utilities saw over-the-year losses. Government practice rose by 180 jobs, mostly in internal supervision education.

The over-the-year expansion rate for construction in Douglas County was about 13 percent while a statewide expansion rate was 10 percent.

“I like to see it this way,” Shelton-Tiderman said. “It’s following a common late summer trends.”

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Douglas County’s practice stays solid in August http://www.feedmygreed.com/douglas-countys-employment-stays-steady-in-august/ Wed, 20 Sep 2017 17:14:06 +0000 http://www.feedmygreed.com/douglas-countys-employment-stays-steady-in-august/ The seasonally practiced stagnation rate rose from 5 percent in Jul to 5.3 percent in August, next a Aug 2016 rate of 6.5 percent. Meanwhile, Oregon’s stagnation rate was 4.1 percent and a U.S. rate was 4.4 percent.

“It’s steady, it has depressed and it’s doing accurately what it did final year and a year before and a year before that,” pronounced Annette Shelton-Tiderman, informal economist.

More jobs are typically combined any August, reflecting a start of a propagandize year as good as an uptick in anniversary work. Retail trade mostly sees an boost in practice during Aug due to behind to propagandize selling and tourism, according to Shelton-Tiderman.

Douglas County’s sum payroll practice rose by 440 jobs in August, including though not singular to 300 jobs in internal government, 50 in veteran and business services and 30 in sell trade. There were no poignant waste in August. The over-the-month practice numbers vacillate some-more than a over-the-year numbers, and there is a aloft domain of error.

While some tools of a state are saying a dump in sell trade and liberality since of a wildfire fume that hung over Oregon in August, Shelton-Tiderman pronounced she’s not saying that in Douglas County.

Over a year finale in August, about 400 jobs were combined in Douglas County for an annual expansion rate of 1.1 percent. Construction grew by 200 jobs, production by 130, financial activities by 50 jobs and, private-sector preparation and health services by 40 jobs. Professional and business services mislaid 70 jobs over a year, and transportation, warehousing and utilities saw over-the-year losses. Government practice rose by 180 jobs, mostly in internal supervision education.

The over-the-year expansion rate for construction in Douglas County was about 13 percent while a statewide expansion rate was 10 percent.

“I like to see it this way,” Shelton-Tiderman said. “It’s following a common late summer trends.”

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Mount Pleasant financial executive resigns http://www.feedmygreed.com/mount-pleasant-finance-director-resigns-2/ Wed, 20 Sep 2017 17:14:04 +0000 http://www.feedmygreed.com/mount-pleasant-finance-director-resigns-2/

Whenever Ricardo Torres posts new content, you’ll get an email delivered to your inbox with a link.

Email notifications are usually sent once a day, and usually if there are new relating items.

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Mount Pleasant financial executive resigns http://www.feedmygreed.com/mount-pleasant-finance-director-resigns/ Wed, 20 Sep 2017 17:14:04 +0000 http://www.feedmygreed.com/mount-pleasant-finance-director-resigns/

Whenever Ricardo Torres posts new content, you’ll get an email delivered to your inbox with a link.

Email notifications are usually sent once a day, and usually if there are new relating items.

]]>
Insurance Newbie Bets On Empathy Over Billion Dollar Ad Budgets http://www.feedmygreed.com/insurance-newbie-bets-on-empathy-over-billion-dollar-ad-budgets-2/ Wed, 20 Sep 2017 17:14:02 +0000 http://www.feedmygreed.com/insurance-newbie-bets-on-empathy-over-billion-dollar-ad-budgets-2/ Don’t speak to Kyle Nakatsuji about passion for insurance. The CEO of Clearcover, an word startup focused primarily on automobile coverage, knows many people buy automobile word since they have to, not since they have a passion for it. In fact, he’s building a association on what he calls a contrarian realization.


Photo by Tom Groenfeldt

Car owners buy word since they have to

“The biggest problem with a word attention isn’t a bad user experience, though that a large companies have unsuccessful to acknowledge how people feel about insurance, and that costs their business billions. Most people wish to consider about word and their word companies less, not more.”

The word attention spends some-more than $5 billion a year on advertising. Insurance Business Magazine reported that “Advertising budgets among a nation’s automobile carriers are quite large and have helped pull a word attention to a tip of a 10 biggest US industries when it comes to expansion in ad spending.” It pronounced GEICO spent $6 of any $100 in premiums on advertising.

Premiums compensate for all that advertising.

“What many people wish is a right coverage when it matters during a lowest cost,” pronounced Nakatsuji.

In an attention not remarkable for slicing corner technology, Clearcover has grown a complicated height that uses APIs to confederate word where it matters, such as a time when a chairman is shopping a new car,  during a lowest cost. It will use synthetic comprehension to make certain any patron gets a suitable word coverage by an algorithm that has been lerned on some-more than a million records.

Nakatsuji pronounced a user can use a mobile phone to get automobile coverage in 3 mins if they come by a partner, like a automobile dealer, who already has most of their information.

Clearcover has a advantage of building on a latest technology, he added, regulating Ruby and JavaScript for a cloud-based application. Esurance bills itself as a complicated provider, though it was built in 1999.

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Insurance Newbie Bets On Empathy Over Billion Dollar Ad Budgets http://www.feedmygreed.com/insurance-newbie-bets-on-empathy-over-billion-dollar-ad-budgets/ Wed, 20 Sep 2017 17:14:02 +0000 http://www.feedmygreed.com/insurance-newbie-bets-on-empathy-over-billion-dollar-ad-budgets/ Don’t speak to Kyle Nakatsuji about passion for insurance. The CEO of Clearcover, an word startup focused primarily on automobile coverage, knows many people buy automobile word since they have to, not since they have a passion for it. In fact, he’s building a association on what he calls a contrarian realization.


Photo by Tom Groenfeldt

Car owners buy word since they have to

“The biggest problem with a word attention isn’t a bad user experience, though that a large companies have unsuccessful to acknowledge how people feel about insurance, and that costs their business billions. Most people wish to consider about word and their word companies less, not more.”

The word attention spends some-more than $5 billion a year on advertising. Insurance Business Magazine reported that “Advertising budgets among a nation’s automobile carriers are quite large and have helped pull a word attention to a tip of a 10 biggest US industries when it comes to expansion in ad spending.” It pronounced GEICO spent $6 of any $100 in premiums on advertising.

Premiums compensate for all that advertising.

“What many people wish is a right coverage when it matters during a lowest cost,” pronounced Nakatsuji.

In an attention not remarkable for slicing corner technology, Clearcover has grown a complicated height that uses APIs to confederate word where it matters, such as a time when a chairman is shopping a new car,  during a lowest cost. It will use synthetic comprehension to make certain any patron gets a suitable word coverage by an algorithm that has been lerned on some-more than a million records.

Nakatsuji pronounced a user can use a mobile phone to get automobile coverage in 3 mins if they come by a partner, like a automobile dealer, who already has most of their information.

Clearcover has a advantage of building on a latest technology, he added, regulating Ruby and JavaScript for a cloud-based application. Esurance bills itself as a complicated provider, though it was built in 1999.

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Opinion: How likely is it that the Fed will crash the stock market? http://www.feedmygreed.com/opinion-how-likely-is-it-that-the-fed-will-crash-the-stock-market-2/ Wed, 20 Sep 2017 17:14:00 +0000 http://www.feedmygreed.com/opinion-how-likely-is-it-that-the-fed-will-crash-the-stock-market-2/ Getty Images

Federal Reserve Chairwoman Janet Yellen

The Federal Reserve’s printing presses have, in large part, been responsible for the run-up in stocks since the financial crisis. Now the presses are about to stop. Will stocks crash? Let’s explore that question.

Chart

Please click here to see an instructive chart — that of the Fed’s total assets. Notice how assets ballooned from under $1 trillion to $4.5 trillion. The continued excitement in the stock market shows that investors believe the Fed will execute its plan to unwind its massive balance sheet in a manner that will allow the stock market to continue its march upwards.

The Fed’s balance sheet primarily consists of bonds that it bought in a program known as quantitative easing. The Fed’s buying of the bonds drove interest rates to artificially low levels. Low interest rates, in turn, have artificially inflated prices of bonds, stocks and real estate.

Ask Arora: Nigam Arora answers your questions about investing in stocks, ETFs, bonds, gold and silver, oil and currencies. Have a question? Send it to Nigam Arora.

The key question

Shouldn’t stocks decline as liquidity is drained from the financial system? The simple, common-sense answer is “yes.” However, markets are perverse. Investors think they are too smart for simple, common-sense answers to apply to them.

The consensus is that the Fed’s great unwind will not dampen the move up in stocks.

Read: The masses are going all-in for stocks, and that’s not a good thing

Free lunch

History teaches us that there is no free lunch. However, investors are buying hand over fist because of the Fed, creating a free lunch. Here are the three popular reasons behind this free-lunch thinking:

• The Fed has given details of the unwind. For this reason, the unwind is already discounted in the market and should have no impact on stocks.

• The unwind will be very slow and take many years. It will be like watching paint dry. For this reason, it will have no impact.

• The market has made a shift from being Fed-driven to earnings-driven. Earnings are good. The market does not care much about the Fed anymore.

What could go wrong?

The Fed has tight control of short-term interest rates, but long-term interest rates are a different story. As the unwinding proceeds, the plausibility of the Fed losing control of long-term interest rates should be of concern to investors.

Warren Buffett says: In 100 years, the Dow will be ‘over 1 million’

The stock market has rallied by about 250% since early 2009, owing to, in large part, the liquidity created by the Fed. Stocks compete with bonds. Due to artificially low interest rates on bonds, a big part of the move in stocks is not due to higher earnings but due to companies’ price-to-earnings (P/E) expansion. It is conceivable that in the future we may see P/E contraction if long-term interest rates rise.

This simple fact is ignored

Market participants are focused on rising earnings. But the simple fact behind the rising earnings is being ignored. The earnings are rising for three reasons, all driven by low interest rates:

• Corporations have been able to borrow at record low rates.

• Global growth is driven by the liquidity created by low interest rates.

• Companies have been able to borrow money to buy back stock, which increases earnings per share. Even a cash-rich company like Apple

AAPL, -1.86%

 has been heavily borrowing to buy back stock and pay dividends.

What to do now

There is no immediate danger and money is to be made in the stock market, but it is important for investors to be extra alert as the Fed attempts to unwind. A crash in the stock market is not out of the question down the road.

Investors may consider slowly building some hedges. The simplest hedge is to not be fully invested and hold a fair amount of cash. For those who do not mind some sophistication, hedges can come in the form of inverse ETFs against broad based ETFs such as SP 500 ETF

SPY, +0.02%

Nasdaq 100 ETF

QQQ, -0.29%

and small-cap ETF

IWM, +0.39%

Investors can also selectively consider near-zero cost option collars. Gold, silver and miner ETFs such gold ETF

GLD, +0.09%

silver ETF

SLV, +0.00%

and miner ETF

GDX, +1.17%

may also act as hedges, but the timing of their purchases needs to be carefully orchestrated. Another source of possible hedges are inverse bond ETFs such as

TBF, +0.05%

and

TBT, -0.03%

or option hedges against popular Treasury ETF

TLT, +0.01%

Reproduced below is the “what to do now” section from the Morning Capsule that is provided daily to subscribers of The Arora Report.

“It is important for investors to look ahead and not in the rearview mirror.

“Consider continuing to hold existing positions. Based on individual risk preference, consider holding cash or treasury bills 19%-29% and short- to medium-term hedges of 15%-25% and very short-term hedges of 15%.

“It is worth reminding you that you cannot take advantage of new upcoming opportunities if you are not holding enough cash. When adjusting hedge levels, consider adjusting partial stop quantities for stock positions (non-ETF); consider using wider stops on remaining quantities and also allowing more room for high-beta stocks. High-beta stocks are those that move more than the market.”

Disclosure: Subscribers to The Arora Report may have positions in the securities mentioned in this article or may take positions at any time. All recommended positions are reviewed daily at The Arora Report.

Nigam Arora is an investor, engineer and nuclear physicist by background, has founded two Inc. 500 fastest-growing companies, is the developer of the adaptive ZYX Global Multi Asset Allocation Model and the ZYX Change Method to profit from change in trading and investing. He is the founder of The Arora Report, which publishes four newsletters. Nigam can be reached at Nigam@TheAroraReport.com.

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Opinion: How likely is it that the Fed will crash the stock market? http://www.feedmygreed.com/opinion-how-likely-is-it-that-the-fed-will-crash-the-stock-market/ Wed, 20 Sep 2017 17:13:59 +0000 http://www.feedmygreed.com/opinion-how-likely-is-it-that-the-fed-will-crash-the-stock-market/ Getty Images

Federal Reserve Chairwoman Janet Yellen

The Federal Reserve’s printing presses have, in large part, been responsible for the run-up in stocks since the financial crisis. Now the presses are about to stop. Will stocks crash? Let’s explore that question.

Chart

Please click here to see an instructive chart — that of the Fed’s total assets. Notice how assets ballooned from under $1 trillion to $4.5 trillion. The continued excitement in the stock market shows that investors believe the Fed will execute its plan to unwind its massive balance sheet in a manner that will allow the stock market to continue its march upwards.

The Fed’s balance sheet primarily consists of bonds that it bought in a program known as quantitative easing. The Fed’s buying of the bonds drove interest rates to artificially low levels. Low interest rates, in turn, have artificially inflated prices of bonds, stocks and real estate.

Ask Arora: Nigam Arora answers your questions about investing in stocks, ETFs, bonds, gold and silver, oil and currencies. Have a question? Send it to Nigam Arora.

The key question

Shouldn’t stocks decline as liquidity is drained from the financial system? The simple, common-sense answer is “yes.” However, markets are perverse. Investors think they are too smart for simple, common-sense answers to apply to them.

The consensus is that the Fed’s great unwind will not dampen the move up in stocks.

Read: The masses are going all-in for stocks, and that’s not a good thing

Free lunch

History teaches us that there is no free lunch. However, investors are buying hand over fist because of the Fed, creating a free lunch. Here are the three popular reasons behind this free-lunch thinking:

• The Fed has given details of the unwind. For this reason, the unwind is already discounted in the market and should have no impact on stocks.

• The unwind will be very slow and take many years. It will be like watching paint dry. For this reason, it will have no impact.

• The market has made a shift from being Fed-driven to earnings-driven. Earnings are good. The market does not care much about the Fed anymore.

What could go wrong?

The Fed has tight control of short-term interest rates, but long-term interest rates are a different story. As the unwinding proceeds, the plausibility of the Fed losing control of long-term interest rates should be of concern to investors.

Warren Buffett says: In 100 years, the Dow will be ‘over 1 million’

The stock market has rallied by about 250% since early 2009, owing to, in large part, the liquidity created by the Fed. Stocks compete with bonds. Due to artificially low interest rates on bonds, a big part of the move in stocks is not due to higher earnings but due to companies’ price-to-earnings (P/E) expansion. It is conceivable that in the future we may see P/E contraction if long-term interest rates rise.

This simple fact is ignored

Market participants are focused on rising earnings. But the simple fact behind the rising earnings is being ignored. The earnings are rising for three reasons, all driven by low interest rates:

• Corporations have been able to borrow at record low rates.

• Global growth is driven by the liquidity created by low interest rates.

• Companies have been able to borrow money to buy back stock, which increases earnings per share. Even a cash-rich company like Apple

AAPL, -1.90%

 has been heavily borrowing to buy back stock and pay dividends.

What to do now

There is no immediate danger and money is to be made in the stock market, but it is important for investors to be extra alert as the Fed attempts to unwind. A crash in the stock market is not out of the question down the road.

Investors may consider slowly building some hedges. The simplest hedge is to not be fully invested and hold a fair amount of cash. For those who do not mind some sophistication, hedges can come in the form of inverse ETFs against broad based ETFs such as SP 500 ETF

SPY, +0.01%

Nasdaq 100 ETF

QQQ, -0.30%

and small-cap ETF

IWM, +0.38%

Investors can also selectively consider near-zero cost option collars. Gold, silver and miner ETFs such gold ETF

GLD, +0.10%

silver ETF

SLV, +0.00%

and miner ETF

GDX, +1.24%

may also act as hedges, but the timing of their purchases needs to be carefully orchestrated. Another source of possible hedges are inverse bond ETFs such as

TBF, +0.05%

and

TBT, -0.03%

or option hedges against popular Treasury ETF

TLT, +0.03%

Reproduced below is the “what to do now” section from the Morning Capsule that is provided daily to subscribers of The Arora Report.

“It is important for investors to look ahead and not in the rearview mirror.

“Consider continuing to hold existing positions. Based on individual risk preference, consider holding cash or treasury bills 19%-29% and short- to medium-term hedges of 15%-25% and very short-term hedges of 15%.

“It is worth reminding you that you cannot take advantage of new upcoming opportunities if you are not holding enough cash. When adjusting hedge levels, consider adjusting partial stop quantities for stock positions (non-ETF); consider using wider stops on remaining quantities and also allowing more room for high-beta stocks. High-beta stocks are those that move more than the market.”

Disclosure: Subscribers to The Arora Report may have positions in the securities mentioned in this article or may take positions at any time. All recommended positions are reviewed daily at The Arora Report.

Nigam Arora is an investor, engineer and nuclear physicist by background, has founded two Inc. 500 fastest-growing companies, is the developer of the adaptive ZYX Global Multi Asset Allocation Model and the ZYX Change Method to profit from change in trading and investing. He is the founder of The Arora Report, which publishes four newsletters. Nigam can be reached at Nigam@TheAroraReport.com.

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