Category: Business Models

AI, Business Models, Economics, Economy

Population shrinkage and the challenge to mitigate impacts on growth

Colin Henderson

Follow up to the NY Times piece ” Can the Government get people to have more babies?” See link at Population 2050. Population 2050 The previous post describes the political backdrop to the shrinkage in population overtaking the large western economies. Why should countries care about shrinking populations at a time of climate change, increasing risk of nuclear catastrophe and the prospect of artificial intelligence taking over jobs? At a global level, there is no shortage of people. But drastically low birthrates can lead to problems in individual countries. At first glance population in times of fewer jobs, climate change and geopolitical turmoil … Continue reading Population shrinkage and the challenge to mitigate impacts on growth

Business Models, covid, Economy

Hybrid working in global cities: how does London’s return to the office compare? 

Colin Henderson

#Productivity  #The Future of Work  Hybrid working in global cities: how does London’s return to the office compare? Toronto is behind the rest of world.  Workers in central London continue to return to the office, though not as quickly as in other global competitor cities, raising concerns about future economic growth.  Blog post  published on 3 September 2024  by Rob Johnson Workers in central London continue to return to the office, though not as quickly as in other global competitor cities, raising concerns about future economic growth.  It seems that reports of the death of the office have been greatly exaggerated. This was clear last year, where a Centre for Cities’ … Continue reading Hybrid working in global cities: how does London’s return to the office compare? 

Business Models, Sociology2
Colin Henderson

Do you see yourself as a leader? Do you see yourself as a leader? Yes, I consider myself a natural leader because there are no rules no objection,only one agenda to work, engage,learn and be active with a sense of knowledge accept the subordinates suggestions and feedback to take our growth to the next level, accept failure and don’t blame the team, when it comes to success we need to say it is team work. As leader enjoy helping others learn new things, and, as a manager, it’s very satisfying to me to help my team develop their skills. However, … Continue reading

Business Models

Structural form that offers any position paper approach – from article by Jonathan Alter

Colin Henderson

The Four Points That Harris’s Speech Needs to Emphasize Aug. 22, 2024 By Jonathan Alter Contributing Opinion Writer, reporting from Chicago The most important part of any convention is the acceptance speech. It wins the highest ratings and usually determines the size of the post-convention bounce in the polls. Donald Trump blew his speech at the Republican convention by rambling interminably. Kamala Harris isn’t likely to do that at the Democratic convention on Thursday. But to win the election she must successfully introduce herself to millions of Americans and stress themes that resonate. Here are four possibilities: Opportunity: Harris will tell her … Continue reading Structural form that offers any position paper approach – from article by Jonathan Alter

Business Models, Open Finance

Derivatives remain a dark secret with undocumented risks to economies and consumers

Colin Henderson

Derivates were a hot topic during the height of the banking crisis and we all remember they were the specific reason that AIG went out of business because they had been speculating in those products to an extent that far exceeded business requirements.  When the markets froze AIG were unable to meet their off balance sheet commitments in the form of derivatives and went under. What followed in September 2008 was an $85 bn bailout. The level of derivatives in the world was close to $700 Bn.  To place that figure in perspective, world GDP is around $60 Bn.  Derivatives … Continue reading Derivatives remain a dark secret with undocumented risks to economies and consumers

Business Models, Innovation

The value of patience | Haldane BofE

Colin Henderson

This is a remarkable paper from Andrew Haldane at the Bank of England.  There are lessons and direction here for everyone and it is not as dry as one might expect.  It is the more remarkable because it addresses human behavior and relates to economic context.  Not your typical Central Bank speech.  Lessons from Asia are being learned. The most amazing for me is the HFT (high frequency trading) stat about Accenture in bold. A few quotes to whet your appetite. Take happiness. Studies have shown that happy people save more and spend less. Happy people also take longer to make … Continue reading The value of patience | Haldane BofE

Business Models, Economy

Mortgage regulation in US has worked judging by dramatic impact on brokers

Colin Henderson

Here is one set of regulation that seems to have worked. The article recounts one broker who is down from 85 on staff to 3. What is intriguing is that the bankrate article seems to suggest this is a bad thing. The reasons provided in the quote below just sound like back to basics banking process that provides lenders and customers protection. In fact it suggests brokers can only operate in a loose credit/ no diligence environment. I do not believe that and surely there is a model for brokers that involves lending discipline. http://www.usatoday.com/money/economy/housing/2010-08-28-mortgage-brokers_N.htm Credit histories must be dutifully … Continue reading Mortgage regulation in US has worked judging by dramatic impact on brokers

Business Models

Greece and what it means

Colin Henderson

I cannot but help believe there is a deeper problem relative to the situation in Greece. Three people died in a central Athens bank that was set ablaze by Greek protesters on Wednesday during a march against government austerity measures, aimed at saving the country from bankruptcy At one level it is a financial crisis and it should get sorted out with banks involved taking losses eventually as debt will have to be written off or at least placed on such terms as to make repayment unlikely. But this situation is altogether different and deeper than Argentinean or Thai defaults … Continue reading Greece and what it means

Business Models

You truly know when a country is dysfunctional when its AIR FORCE goes on strike

Colin Henderson

The always insightful John Mauldin speaks about the crisis that is Greece and the steps towards another banking crisis.  When you have full countries falling apart this is not good for anyone.  The degree of failure inside Greece is astounding, and will only lead to worse before it gets better.  The larger impact is on currencies, interbank lending (again) and banking system confidence if it is first Greece, then Spain and Portugal … then? MACRO-EUROPE: The Titanic is SINKING | Investorsinsight.com There are no good solutions here, only very difficult ones. In order to get financing, Greece must willingly put … Continue reading You truly know when a country is dysfunctional when its AIR FORCE goes on strike