Organizational Structure

Changes in technology are prompting organizational leadership structures to change as well. As the use of digitization, analytics, and AI progresses and extends its reach past industries and geographies, there has been additional points of thought regarding the competitive landscape beyond products and services: the company structure. For a company to avoid falling behind in the territory of Chapter 11 bankruptcy, like Sports Authority, Delta Airlines, American Apparel, and Toys R’ Us have done in recent years. In large organizations, the average reorganization occurs every 24 to 36 months, while the average reorganization takes more than 18 months. Some companies continue to experiment wit

Soaring Asset Prices, Diminishing Savings Accounts

With stock prices through the roofs and job prospects improving, Americans are finally on an optimistic spending spree. As a result, this is leaving many Americans with less in their savings accounts, taking away from how much they save for retirement. U.S. household net worth rose from $56 trillion in 2008 to $97 trillion in Q3 of 2017. Economists say it is natural for individuals and families to be spending more money when asset values are increasing. This is called the “wealth effect.” The wealth effect is the premise that when the value of stock portfolios rises due to escalating stock prices, investors feel more comfortable and secure about their wealth, causing them to spend more. Howe

Retailers On Returns

Over the holiday shopping season, retailers score big. However, in late December and January, when disputes over purchases spike, it’s time for payback for consumers. According to a report by the U.S. Commerce Department, U.S. merchants and credit card issuers can expect to see $980 million in disputed charges reversed in the consumers’ favor. The volume of these post-holiday chargebacks is 25% to 35% higher compared with other times of the year. The following factors contribute to the increase: The disputes rise proportionately as holiday spending increases. Online retailers, eager to cash in on the buying spree, decrease security rules for approving transactions. Furthermore, increasing th

Germany Is Struggling To Meet Emissions Targets

As of right now, Germany is falling short of its European climate targets and will have to pay for access to produce and emit greenhouse gases due to the nations polluting farms, factories, and vehicles. This comes after Chancellor Angela Merkel, a longtime proponent of reducing emissions. delivered the news. As a result, Germany will now have to purchase greenhouse gas emissions allowances for the following two years from other European Union members. “Germany has been on the forefront of industrial production in Europe for many years. However, every nation must choose a proper balance of economic growth that will not cause substantial, irreversible damage to the environment” said Keith Knu

Rising Healthcare Costs Cloud U.S Market

With political talks regarding healthcare crossing the news spectrum and the Department of Labor proposing a rule where small businesses and self-employed individuals are able to group together to purchase coverage through "association health plans" (or AHPs for short). Especially for sole proprietors, such as Uber drivers or other freelance workers emerging in what has become known as the “gig-economy” this new policy could transition the U.S healthcare system towards future needs. Yet, the underlying factors of rising healthcare costs are not mitigated by such policies. Health care spending per person for the commercially insured reached a new high of $5,407 in 2016 The most recent report

U.S Reported GDP Growth

The United State Commerce Department posted GDP numbers at 2.6% on January 26th for Q4 2017. Those numbers missed Wall Street expectations of 3% but remain much better than the average 2% growth since the early 2000s, and the 1.5% increase in 2016. The United States has not been able exceed the 3% mark for three quarters in a row for 13 years now, during the George W. Bush presidency. The growth was attributed due to increases in personal consumption expenditures, nonresidential and residential fixed investment, exports, and government spending on the local, state, and federal level. Limiting factors included reduced inventories and an increasing trade deficit; imports and exports rose 13.9

What Happens to Nafta?

Trade officials from Canada and Mexico met in Montreal recently to begin laying out proposals aimed at convincing the United States not to pull out of the North American Free Trade Agreement (NAFTA). Representatives from Canada and Mexico will discuss an array of factors and responses to the Trump administration’s demands for altering the trade pact. The initial focus will be on the U.S.’s demands for increased U.S.-made content for cars made in North America. Since the summer of 2017, the United States, Canada, and Mexico have been locked in negotiations to reconstruct the old trade pact. “The U.S.’s goal lies in improving the NAFTA agreement. The current administration has made it very cle

U.S. Trade Deficit Rises

The U.S. trade gap rose to a six-year high in November. This was driven by an increase in imports as American consumers increased their purchases of household items, luxury goods, and other products. According to the U.S. Commerce Department, the trade deficit increased by 3.2% from the previous month to $50.5 billion. Both imports and exports rose, causing the deficit to expand. Exports increased 2.3% and imports rose 2.5%. Prior to accounting for inflation, U.S. trade reached record highs in November 2017. “A pickup in international trade reflects the strengthening of the U.S. and global economies” said Keith Knutsson of Integrale Advisors. In 2017, U.S. exports grew 5.6% from January thro

Amazon Sells Groceries, Get Used to It

One year after it was promised, Inc.’s cashierless convenience store is scheduled to open to the public on Monday January 22nd, 2018. The new Amazon Go store, which will be located in the base of Amazon’s main headquarters in Seattle, uses machine-learning alogorithms and computer imaging to track consumers and charge them for what they put in their cart. Therefore, eliminating checkout counters, cashiers, and baggers. This is an experiment done by Amazon that is part of the company’s broader effort to reinvent how consumers do their grocery shopping, and eventually, perhaps all of their shopping. Amazon announced the new Go store in December 2016, and said it would open to the pu

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