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This is to protect your security and identity. Rules may change at any time, please re-read them regularly. OFFSHORE OAXACA, MEXICO PUERTO RICO REGION COSTA RICA OAXACA, MEXICO OFFSHORE OAXACA, MEXICO OFF COAST OF JALISCO, MEXICO OFFSHORE JALISCO, MEXICO NEAR COAST OF ECUADOR GUERRERO, MEXICO CHIAPAS, MEXICO ANDREANOF ISLANDS, ALEUTIAN IS. PAPUA NEW GUINEA (4. Oztas The April-May 2015 Nepal Earthquake Sequence by Gavin Hayes, USGS Earthquake Magnitude Scales by James P.
McCalpin How do I read a seismogram. Polnoe govno vashi prognozi. Sometimes everyone can mistaken. Wise decision-making in the workplace and outside requires considering not just short-term trends but longer-term ones. Sure, more jobs are getting automated but the worry may be overblown, at least for the next decade. Yes, much repetitive work will likely be automated but most jobs requiring substantial judgment will be augmented by but not replaced by technology.
For example, the Social Security Administration will make more decisions by computer and, when there's an outlier or a complaint, a human will make the final decision.
The challenge will be in how to address the many millions of people who formerly did routine jobs. A guaranteed basic income is often proposed but it will require significant tax increases to companies and the middle class. Will the tax increase need to be so large as to kill incentive to work. Will it kill more jobs.
But it lowers the quality of our goods and services. For example, today, the best cardiologists are so in demand, they may see patients evenings and weekends.
The worst may have trouble filling 20 hours a week. Under job rationing, more people would see worse cardiologists.Trusting either Tom Savage or rookie Deshaun Watson to lead the Texans to the promised land is like tossing money into a fire pit. Not that long ago the Cats were 17-1 and representing the NFC in the Super Bowl. Cam Newton coming off a dreadful 2016 is eager to prove last year was a fluke.
Toss in rookie Swiss Army Knife Christian McCaffery and a stout front seven, and there should be a significant level of interest. Especially at this price. If Atlanta regresses, look out. Young, talented team with a gunslinger at quarterback, a pair of playmaking receivers, and an attacking defense.
The last two NFC champs came from the AFC South. Punting on either of these teams is worth considering at this price. Drew Brees knows time is running out on making another Super Bowl run. Perhaps the addition of Adrian Peterson will give the Saints the boost they need to overcome obvious defensive flaws. As for the Birds, nobody ever wins the NFC East in consecutive years, and the hype surrounding Carson Wentz seems to be legit.
If the Eagle defense can elevate to Top 10 level, it might be enough to carry them into January. Did you know prior to breaking his fibula in Week 16 last season, second-year quarterback Marcus Mariota had 26 touchdowns against only 9 interceptions.
Did you know the Titans finished 3rd in rushing behind a rejuvenated DeMarco Murray and rookie Derrick Henry. Did you know tight end Delanie Walker and wide receiver Rishard Matthews combined for 16 touchdowns. Did you know they signed Eric Decker who has scored double-digit touchdowns in three of the last five seasons.
What does all this mean. It means a Mariota vs Winston Super Bowl is forthcoming. Again, lots of value here. He tossed 28 touchdowns against only 2 interceptions, which was good enough to finish second behind Matt Ryan.
He deserves to be the frontrunner in 2017, and like his team is the clear-cut safe money. Rodgers is seeking a third MVP trophy and given the talented passing options at his disposal, he should have little trouble posting gaudy numbers once again. He also represents some of the best value on the board. Call it low risk, high reward. Carr has improved every season since entering the league in 2014. However, as with any quarterback, his MVP chances are directly tied to how well the Raiders play.
If they take a step back and miss the playoffs, Carr will undoubtedly shoulder some of the blame. Nevertheless, his price is tough to pass up. Ryan was worthy of his 2016 victory, but he kinda sorta won by default.It helped restrict me from going for wine every other night. I preferred it iced. I drank more that way. I highly recommend and have already bought it for my mom.
I'll be doing it again for sure Buy Now Join the 1. Social proof can reassure hesitant shoppers, provide additional context and reduce returns by ensuring buyers are satisfied with their purchase.
Ready to instill trust in your business, create meaningful social proof and build your brand love. Here are 10 tips to help you go above and beyond with product reviews and customer testimonials. Put your reviews front and center. Consider placing a couple reviews right on your homepage. If you have reviews for specific items, publish them on each product page.
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What is your target audience interested in. What are their biggest concerns when making a purchase. What are pain points in your industry. Aligning with these questions will help you get meaningful and relevant testimonials. Contact those who leave you glowing reviews.More and more medical students are submitting systematic reviews and associated meta-analyses, to meet research exposure requirements, in the Basic Sciences Programs of their medical school education, here in the Caribbean.
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Iceland will be next on our destination list. The binder with each day's itinerary and pictures of each site was very helpful. I used it to make notes on each destination and to sort out my photos afterwards.Summary: Artificial Intelligence and the Financial Sector IBM's Watson Supercomputer BlackRock Landing On Artificial Intelligence UBS AG Implementing Artificial Intelligence Solutions JPMorgan Deploys Mosaic Smart Data For Fixed Income Trading Business I Know First Artificial Intelligence Algorithm Read The Full Premium Article Subscribe to receive exclusive PREMIUM content here algo-trading algotrading Artificial Intelligence Blackrock Goldman Sachs I Know First IBM ibm watson supercomputer jpmorgan Machine Learning in Finance Premium premium article stock market trading UBSAlgorithmic Articles Premium How To Recognize A Stock Market Bubble Before It Bursts November 10, 2017 Tali Soroker is a Financial Analyst at I Know First.
Read The Full Premium Article Subscribe to receive exclusive PREMIUM content Here algorithmic predictions housing crisis market bubbles stock market bubble stock market crashAlgorithmic Articles Premium Top 3 Stock Valuation Methods Plus the Algorithmic Valuation Tool November 5, 2017 Tali Soroker is a Financial Analyst at I Know First.
Read The Full Premium Article Subscribe to receive exclusive PREMIUM content Here multiple valuation methods Stock Valuation stock valuation methods valuation methodsAlgorithmic Articles Premium AMAT Stock Forecast: AMAT Delivers Best Quarter in its 50-Year History and It Is Just The Beginning October 29, 2017 The article was written by Aline Rzetelna, a Financial Analyst at I Know First. AMAT Stock Forecast Summary: Record Results for AMAT in the Third Quarter of Fiscal 2017 New Era of Artificial Intelligence Business and Financial Outlook for the Upcoming Periods I Know First Bullish Forecast on AMAT Read The Full Premium Article Subscribe to receive exclusive PREMIUM content Here algorithm performance algotrading AMAT Artificial Intelligence Premium premium articlePremiumPages:1234567.
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Our flagship business publication has been defining and informing the senior-management agenda since 1964. Article - McKinsey Quarterly - October 2016 Chinese consumers: Revisiting our predictions By Yuval Atsmon and Max Magni Chinese consumers: Revisiting our predictions Article Actions Share this article on LinkedIn Share this article on Twitter Share this article on Facebook Email this article Download this article As their incomes rise, Chinese consumers are trading up and going beyond necessities.
In 2011, we tried our hand at predicting the ways in which, in the decade to come, Chinese consumers would change their preferences and behaviors. This article takes stock of those predictions.
Why check in now. Another is a comprehensive new McKinsey survey, which follows nearly ten years of previous research that includes interviews with more than 60,000 people in upward of 60 cities in China. Deeper and more nuanced understanding of Chinese consumers can help reveal fresh opportunitiesfor new entrants and incumbents alikeand signal those areas where established players may need to be more wary. While geographic differences persist, Chinese consumers are, on the whole, more individualistic, more willing to pay for nonnecessities and discretionary items, more brand loyal, and more willing to trade up to more expensive purchaseseven as their hallmark pragmatism endures.
Just as it was then, generalizing about Chinese consumers continues to be almost as difficult (and maybe as foolish) as it is to generalize about European consumers.
We predicted these differences would remainand even grow more significant, especially in the consumption patterns and tastes that relate to discretionary items. To help companies better tailor their go-to-market approach, we grouped most cities in China into clusters based on their similarities, including their geographic proximity and the transportation infrastructure that connects them.
Furthermore, when our latest survey compared the consumers in the Shanghai area to those around Beijing and Hangzhou, certain spending attitudes also showed marked differences. For example, brand loyalty increased much faster in Shanghai (24 percent increase in three years versus just 7 percent in Beijing and 9 percent in Hangzhou), as did the willingness to pay for better or healthier products.
Despite geographic differences, there are broad similarities among Chinese consumers. These mirror the general trends economists have found among consumers around the world as economies develop. The general tendency is for consumers, as they earn more, to spend a lower percentage of their income on food, a little more on healthcare, and even more on travel and transportation, as well as on recreational activities.
It was no great stretch then, in our report five years ago, to predict a significant shift in consumption from necessities and seminecessities into discretionary categories. Sure enough, our new survey shows Chinese consumers following the anticipated pattern. When we asked how they plan to increase spending as their income increases, dramatically fewer consumers said they will increase it on food (46 percent in the latest survey, compared to the 76 percent who said they would do so three years earlier).
Responses trended slightly up for healthcare products (from 16 percent to 17 percent), and increased for travel (from 14 percent to 23 percent) and leisure (from 17 percent to 25 percent). In our previous predictions, we also argued that as the income of Chinese consumers grew, they would aspire to improve their quality of life by not only spending more on discretionary items, but also by shifting their spending to more expensive items in the same categories.
In necessity categories such as food, for example, we predicted consumers would be willing to spend more for healthier versions of the same productsfor instance, that olive oil would grow much faster than less healthy (and less expensive) oils.
In seminecessity categories like apparel, we predicted people would buy more special-occasion and premium brands. We anticipated that the strongest beneficiaries of these changes would be in the more discretionary and aspirational categories, such as skincare and automotive. So what has happened so far. Premium categories have really accelerated. Comparing cosmetics purchases between 2011 and 2015, 44 percent of consumers have traded up their purchases, compared with 4 percent who traded down.
Even for rice, 25 percent of consumers traded up versus 3 percent who traded down.
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