inspiral + finance   50

The Big Brexit Short - YouTube
On the night of the Brexit referendum the British pound went into free fall, but while many watched with horror, a handful of hedge funds were making staggering profits. This is the story of the Brexit Big Short.
Brexit  EuropeanUnion  finance  currency  hedgefunds  UK  Bloomberg  2019 
4 weeks ago by inspiral
Millennials Are Screwed - The Huffington Post
All of these trends—the cost of education, the rise of contracting, the barriers to skilled occupations—add up to an economy that has deliberately shifted the risk of economic recession and industry disruption away from companies and onto individuals. For our parents, a job was a guarantee of a secure adulthood. For us, it is a gamble. And if we suffer a setback along the way, there’s so little to keep us from sliding into disaster.
Millennials  finance  decline  insecurity  employment  casualisation  uncertainty  poverty  healthcare  incomeinequality  inequality  racism  retirement  housing  regulations  zoning  USA  HuffingtonPost  Highline  2017 
december 2017 by inspiral
55 Ways Donald Trump Structurally Changed America in 2017
These are the concrete actions his administration has taken to alter how the country works.
DonaldTrump  politics  review  immigration  migration  justice  environment  education  finance  consumer  foreignpolicy  critique  NYMag  2017 
december 2017 by inspiral
Bitcoin is none of the things it was supposed to be | The Outline
Bitcoin was supposed to disintermediate the finance industry — the system of banks and middlemen and transaction fees in which a single entity can hold your money hostage. Instead, it replicated this system and made it worse. Ordinary users all trust third parties to verify transactions and hold their money. The price is so volatile that no one wants to use Bitcoin for payments. And thanks to the current bubble, the electricity required to maintain the Bitcoin network is skyrocketing.
Bitcoin  disintermediation  review  critique  finance  TheOutline  2017 
december 2017 by inspiral
America’s ‘Retail Apocalypse’ Is Really Just Beginning
The reason isn’t as simple as Amazon.com Inc. taking market share or twenty-somethings spending more on experiences than things. The root cause is that many of these long-standing chains are overloaded with debt—often from leveraged buyouts led by private equity firms. There are billions in borrowings on the balance sheets of troubled retailers, and sustaining that load is only going to become harder—even for healthy chains.
retail  bricksandmortarretail  decline  debt  finance  review  critique  USA  Bloomberg  2017 
november 2017 by inspiral
How Big Banks Became Our Masters - The New York Times
Finance has become the tail that wags the dog. Until we start talking about how to create a financial system that really serves society, rather than just trying to stay ahead of the misdeeds of one that doesn’t, we’ll struggle in vain to bridge the gap between Wall Street and Main Street.
banking  finance  review  critique  USA  NYTimes  2017 
september 2017 by inspiral
The long-run poverty and gender impacts of mobile money | Science
Mobile money, a service that allows monetary value to be stored on a mobile phone and sent to other users via text messages, has been adopted by the vast majority of Kenyan households. We estimate that access to the Kenyan mobile money system M-PESA increased per capita consumption levels and lifted 194,000 households, or 2% of Kenyan households, out of poverty. The impacts, which are more pronounced for female-headed households, appear to be driven by changes in financial behavior—in particular, increased financial resilience and saving—and labor market outcomes, such as occupational choice, especially for women, who moved out of agriculture and into business. Mobile money has therefore increased the efficiency of the allocation of consumption over time while allowing a more efficient allocation of labor, resulting in a meaningful reduction of poverty in Kenya.
finance  banking  mobilebanking  developingworld  opportunity  MPesa  impact  review  Science  2016 
december 2016 by inspiral
Measuring long-term performance | McKinsey & Company
After the extreme ups and downs of financial markets during the past decade, boards of directors, senior managers, and investors are rethinking the way they define and assess corporate performance. There's nothing wrong with good accounting results and rising share prices, but they don't necessarily indicate whether a company is fundamentally healthy, in the sense of being able to sustain its current performance and to build profitable businesses in the future.

Nonetheless, a company can construct a comprehensive performance assessment that measures the value it has created and estimates its ability to create more. As a way of judging how well a company is doing, such an assessment is far superior to any single performance metric. It can also help management to balance the short- and long-term creation of value and board members and investors to determine whether management's policies and the company's share price are on target.
metrics  finance  accountancy  guide  performance  salesproductivitymetrics  operatingcostproductivitymetrics  capitalproductivitymetrics  commercialhealthmetrics  coststructurehealthmetrics  assethealthmetrics  totalreturntoshareholders  longterm  mediumterm  shortterm  author:RichardDobbs  author:TimothyKoller  McKinsey  2005 
april 2016 by inspiral
Financial Ratios, Metrics, and KPIs | KPI Examples - Klipfolio
Whether your business is a successful Fortune 1000 enterprise or an ambitious startup, your success depends on generating revenue and responsibly managing your finances. Your stockholders, potential investors and customers will use financial data to assess the performance and viability of your business model. Use these financial KPIs and ratios to prove the profitability and fiscal health of your business.
keyperformanceindicators  finance  accountancy  guide  definition  currentratio  workingcapital  retunonequity  quickratio  acidtest  vendorexpenses  profitandlossreport  recentpayments  currentaccountsreceivable  accountspayable  incomeandexpenses  debttoequityratio  accountspayableturnover  accountsreceivableturnover  inventoryturnover  netprofitmargin  grossprofitmargin  Klipfolio 
april 2016 by inspiral
Financial Secrecy Index
The Financial Secrecy Index ranks jurisdictions according to their secrecy and the scale of their offshore financial activities. A politically neutral ranking, it is a tool for understanding global financial secrecy, tax havens or secrecy jurisdictions, and illicit financial flows or capital flight.
finance  offshore  taxation  secrecy  ranking  banking  Switzerland  HongKong  USA  Singapore  CaymanIslands  Luxembourg  Lebanon  Germany  Bahrain  UAE  Macao  Japan  Panama  MarshallIslands  UK  TaxJusticeNetwork 
april 2016 by inspiral
The World's Smartest Bad Investors - Bloomberg View
These are some of the top finance and economics professors in history. Their deep and penetrating research has revolutionized the world of academic finance. To call them brilliant would be an understatement. So why have they stumbled in the private sector? And why do relatively few of their academic colleagues launch their own funds?

In other words, the heavy theoretical focus of economics may have hurt Scholes, Merton and the rest. That is, of course, just a theory on my part. But if it’s true, it means that hedge funds should look for academic talent in the fields of applied math and computer science instead of in economics departments and business schools.
academia  investment  Economics  Finance  critique  Bloomberg  2015 
december 2015 by inspiral
Bankers are still breaking the rules to get ahead. Here's the proof - Telegraph
Illegal and unethical behaviour is still commonplace in the finance world, according to research
banking  finance  ethics  illegal  critique  research  UK  USA  Telegraph  2015 
may 2015 by inspiral
John Bruggeman, CEO, Traxpay: "Supply Chain Finance + FinTech = New Era of Global B2B Commerce" | The Paypers
The success of a SCF solution hinges on the real-time visibility and integrity of transaction data, banking beyond borders and enabling all participants to connect, interact and transact at the speed of global business
SupplyChainFinance  finance  profile  opportunity  supplychain  Traxpay  ThePaypers  2014 
march 2015 by inspiral
Episode 606: Spreadsheets! : Planet Money : NPR
Spreadsheets used to be actual sheets of paper. Sometimes, a bunch of sheets of paper taped together.

Then, in the late '70s, a bored student invented the electronic spreadsheet. It transformed industries. But its effects ran deeper than that.

As one journalist wrote more than 30 years ago, "The spreadsheet is a tool, and it is also a world view — reality by the numbers."

Today's show was inspired by A Spreadsheet Way of Knowledge, a 1984 article by Steven Levy.
spreadsheets  history  MicrosoftExcel  finance  PlanetMoney  NPR  2015 
march 2015 by inspiral
Is Business School Gutting the Economy? - Bloomberg Business
The finance industry's rebound is sucking bright young minds away from other industries, and B-schools are helping
finance  employment  businessschool  economy  growth  critique  Bloomberg  2015 
february 2015 by inspiral
Role of banks recedes in wake of crisis - FT.com
But disintermediation is also happening at the level of large corporations, and it is happening globally. Companies that would once have financed themselves with bank loans are increasingly looking for finance from the bond markets. And the process can only accelerate from here.
banking  finance  disintermediation  FinancialTimes  2015 
february 2015 by inspiral
UBS CIO: Blockchain Technology Can Massively Simplify Banking - Digits - WSJ
According to Oliver Bussmann, CIO of Swiss bank UBS UBSN.VX -0.96%, the biggest disrupting force is the blockchain – the underlying technology behind Bitcoin, the electronic-only currency which is created on computers and isn’t controlled by any government or centralized authority.
blockchain  bitcoin  financialservices  finance  Disruption  UBS  WallStreetJournal  2014 
october 2014 by inspiral
Borrowers buy pricier Apple iPhones
Fortune has obtained a study by the Consumer Intelligence Research Partners that found, counterintuitively, that customers who finance an unsubsidized phone tend to buy a more expensive phone.
smartphones  pricing  finance  iPhone  subsidy  USA  Fortune  2014 
june 2014 by inspiral
JWT: 10 Mobile Trends for 2014 and Beyond (May 2014)
This is an abridged version of the 124-page report. Go to JWTIntelligence.com/trendletters to see the full report, including recommendations for brands JWT’s third annual report on trends in the mobile sphere spotlights key themes that came out of this year’s Mobile World Congress, Consumer Electronics Show and South by Southwest Interactive, and builds on trends spotlighted in previous reports. The report covers significant drivers and manifestations of these developments, and their implications for brands. “10 Mobile Trends for 2014 and Beyond” is based around on-the-ground research at the MWC in Barcelona and SXSW in Austin, as well as desk research and insights gleaned from interviews with several mobile experts and influencers.
mobile  mobileapps  mobileinternet  internetofthings  wearablecomputing  quantifiedself  mobilevideo  mobilenews  longform  journalism  ephemeral  anonymity  visualweb  mobilesearch  imagerecognition  stickers  virtualassistant  security  locationbasedservices  beacon  NeoLuddism  4G  education  healthcare  finance  JWTIntelligence  2014  mobilesocial 
may 2014 by inspiral
Continuations : Information Capital (in the 21st Century)
One of my main intuitions about the coming changes is that “information” will become more important than industrial, financial and real estate assets. Or put differently “information” will be the capital of the 21st century and beyond.
capitalism  finance  information  competitiveadvantage  Continuations  2014 
april 2014 by inspiral
High-Speed Trading Isn't About Efficiency—It's About Cheating - Matthew O'Brien - The Atlantic
When hedge funds use bots to buy and sell stocks within milliseconds, they're not improving the market. They're rigging the market.
highfrequencytrading  hedgefunds  critique  finance  investing  TheAtlantic  2014 
february 2014 by inspiral

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