change Archives - Zxcoachoutlet

ANALYSIS-Turkish rate hike needs follow through for real game change

September 28, 2020

By Karin Strohecker

LONDON, Sept 25 (Reuters) – Turkish policymakers are no strangers to unexpected action when in a tight corner, but analysts said Thursday’s surprise interest rate hike could herald a change of tack on monetary policy.

Although raising rates by 200 basis points during a global pandemic and slump is unusual, analysts welcomed the Central Bank of Turkey’s (CBT) response in the face of rising inflation.

“It was a bold move by the CBT which should restore credibility and improve investor sentiment,” said Christian Wietoska at Deutsche Bank, calling it a “game changer”.

The hike was swiftly followed by a banking watchdog announcement that limits for banks’ FX transactions with foreign entities would be raised, allowing for increased market access and reversing a decision from earlier this year.

“Encouraging moves – suggests the Turkish authorities finally get it,” Timothy Ash at BlueBay Asset Management said.

Turkey has

Climate Change Investing May Not Be Your Thing, But A 78% YTD Return Is

September 27, 2020

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A mother polar bear and cubs walk on ice flows in Wager Bay, near Manitoba in Canada. — Polar bears, like this one with cubs on ice in sub-arctic Wager Bay near in Manitoba, Canada, are … [+] considered vulnerable due to loss of environment and climate change.

VWPics/Universal Images Group via Getty Images

There is an absolutely gigantic wall of money moving into environmental stocks and it is only going to get bigger.

The European Commission, European Central Bank (ECB), and China have all announced major policy initiatives in the past fortnight underlining their commitment to reducing carbon emissions.

This will require trillions of dollars of investment in new greener technologies if countries are to meet their targets and much of that money will flow into private companies. Investors have been piling into environmental equities looking to profit from this trend, driving share prices higher.

The strategy has been a standout performer through the Covid-19 pandemic. A basket of 56 global stocks which Saxo Bank highlighted in

Mobile Oil Change Business and General Liability Insurance Considered

May 4, 2020

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Not long ago, I got an email from a gentleman wishing to set up a mobile oil change business in Florida. He was concerned about what sort of insurance he might need and was under the impression that a 1 million dollar commercial liability policy was needed up and beyond his work truck vehicle commercial auto policy. Okay so, let’s talk about this; is he correct?

It turns out that he most definitely is, you see commercial auto is not the same as completed operations or the potential liability while working. For instance, if a car catches on fire that you are working on, your commercial auto policy isn’t going to cover it. Do you see that point? So, this is the advice I explained to him;

You will need most likely want to get a commercial insurance policy; $1 million aggregate, 300K per occurrence general liability, with a “garage … Read More

Mobile Oil Change Businesses Are Very Hard to Succeed In

May 2, 2020

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There have been many people who have come and gone in the mobile oil change business. It always looks easy from the surface and is relatively inexpensive to start with minimum investment compared to most other businesses. But most mobile oil change operators rarely make it past the first year. In fact most do not make it past the first several months. One has to wonder why such a good idea ultimately ends in failure. Lets take a closer look.

First the profit generated from oil changes is not enough to sustain a healthy business. After you calculate the cost of goods from the total bill there is rarely is more than twenty five dollars net profit made from your typical oil change. And that figure does not include the gas used driving to the actual location. You have to be doing a lot of oil changes per day for … Read More

The Four Stages of ‘Change Curve’ Small Business Owners Should Know

May 1, 2020

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The ‘Change Curve’ is a helpful tool for small businesses to understand the stages of personal transition each employee undergoes. Kubler Ross developed this model to explain the grieving process (Shock and Denial, Anger and Fear, Acceptance and Commitment).

This model helps small business owners predict how employees will react to a change, and advises how to help and support the employees through their personal transitions.

An organization does not change just because of new systems or processes. It changes because people within the organization adapt and change. Only when people within the organization make their own personal transitions can the organization benefit from the change.

The Change Curve model

The ‘Change Curve’ model helps small business owners understand the stages of personal transition and organization change. This model comprises four stages that employees go through as they adjust to a change.

Stage – 1: Shock and denial

Stage – … Read More

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