Seed Consultants Market Watch Weekly Comment with Gary Wilhelmi 12/28/2012

first_img Seed Consultants Market Watch Weekly Comment with Gary Wilhelmi 12/28/2012 By Hoosier Ag Today – Dec 28, 2012 Previous articleUpdated Purdue Extension Corn and Soybean Guide ReleasedNext articleSeed Consultants Market Watch Morning Comment with Gary Wilhelmi 12/28/2012 Hoosier Ag Today SHARE In my forty-nine years in the analysis and explanation business I have never witnessed such a dysfunctional abandonment of public trust as we have had in the last few years. We only skim along the surface of deep seated long term problems, at best, and now we can’t even do that. It is a sad commentary on prospects for those who follow, or our children.The grains dropped below support levels at $7.00 in March corn and $7.75 in March wheat with the next shelves at $6.50 and $7.62. March soybeans have held above $14, but export sales wilted to 87,000 tons. Wheat business was good at 1 MT with Egypt buying 405,000 tons. Corn abysmal once again near 100,000 tons.A major winter storm traversed the southland creating short term logistical troubles, but river levels remain critically low south of St Louis to Memphis. Even if we have heavy snow winter soil moisture will not be fully charged and yields could still be reduced in 2013. It is, of course far too early to make such assumptions, but it must be kept in your memory bank.China is fully engaged in a normal switch to South American soybean supplies and prospects look good in Brazil with Argentina continuing to fight excess rain delayed plantings. China will not completely shut off the US demand switch. The Chinese economy has been troubled, but not so much as too severely impact food demand.The volume of trade is reduced in all markets and that serves to enhance volatility. The CME is facing the ICE buying the NYSE creating a powerful derivative competition. The price of CME stock has fallen 15 % as the NYSE has had a similar advance.Over in the meat isle holiday specials dominate, and 2013 economic concerns cast a long shadow. This week cash cattle started at $127.50 up north which is short of parity. Slaughter levels are holiday interrupted this week and next. Boxed beef has held near $194 on choice and pork cutout has reflected a limited specialized demand. Beef export sales were down 15% last week at 11,000 tons.Our inability to pass a new farm bill, it has never been sent to the house floor and now we face perhaps a $2-3 jump in milk prices and uncertainty regarding farm programs. Where has all the common sense gone? Facebook Twitter Home Market Market Watch Seed Consultants Market Watch Weekly Comment with Gary Wilhelmi 12/28/2012 Facebook Twitter SHARElast_img read more

How Homeownership Has Changed Since the 1960s

first_imgHome / Daily Dose / How Homeownership Has Changed Since the 1960s Data Provider Black Knight to Acquire Top of Mind 1 day ago How Homeownership Has Changed Since the 1960s Racial disparity has widened since 1960 — Citing a report from the U.S. Department of Housing and Urban Development (HUD), The Zebra reported that, while both white and Black Americans now have higher homeownership rates than they did in 1960, the gap between these two groups has widened.In 1960, 64.4% of white Americans and 38.4% of Black Americans owned homes, a difference of 26 percentage points. In 2020, 75.8% of white Americans and 46.4% of Black Americans owned homes, a difference of 29.4 percentage points.More single women own homes —  Less than 0.1% of women ages 18–34 lived alone in their own homes 60 years ago, but that same group now represents 1% of all homeowners in the United States.Living alone is more common among all Americans — just 6.4% of Americans lived alone in 1960, whereas 28.3% of Americans now live alone.Fewer Americans live with spouses — more than 70% of Americans lived with a spouse in 1960, but today that group comprises only 51.5% of adults. By contrast, many more Americans now live as unmarried partners — 7.3% in 2020 compared to only 0.4% 60 years ago.More than half of all young Americans now live with their parents — Among 18 to 34 year olds, nearly twice as many people live at home with their parents in 2020 than in 1960. 22% of 18-34 year old men live at home now as opposed to just 10.9% in 1960.Older Americans live alone rather than with family — in 1960, 20% of men and 40% of women over age 75 lived with their families. In 2020, just 6% of men and 19% of women over 75 live with their families. Today, one of every two older American women live alone, and 4.5% of all Americans over 65 live in nursing homes or other similar facilities.The authors of the report surmise that 2021 presents its share of obstacles for Americans who hope to achieve and maintain homeownership and those who represent them.”With growing housing issues related to affordability, foreclosure, eviction, racial disparity and homelessness, the coming years represent a formidable challenge for politicians and community leaders hoping to provide stable lives for Americans,” the researchers conclude. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 1 day ago About Author: Christina Hughes Babb in Daily Dose, Featured, Market Studies, News Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly,, Dallas Observer, Edible, and the Dallas Morning News, among others. The Best Markets For Residential Property Investors 2 days ago Previous: Recognizing the Top Women of Law Next: Biden to Release Billions in Puerto Rico Disaster Relief While rural areas of the United States have maintained the same approximate population (54 million in 1960 and 57 million in 2020), urban areas have gained nearly 150 million inhabitants in the last six decades, according to a study by The Zebra, a home insurance comparison site. Analysts for The Zebra dove deep into today’s most pressing housing matters to understand how they compare to the same issues some 60 years ago.”We wanted to dig deeper into the ways that housing has affected the lives of Americans both historically and in the present,” The Zebra’s researchers said. “Using U.S. Census Bureau data, we explored how housing has changed for Americans since 1960.”And here are some of the main things The Zebra’s analysts discovered:An increasingly unaffordable dream of homeownership — 3 million homeowners will have delinquent mortgages in 2021; 5% of homeowners are in serious danger of losing their homes; communities of color are disproportionately affected by issues of housing security, with Black and Latinx individuals making up 80% of those facing eviction.One common measure of housing affordability is the relationship between the median cost of a home and the median income (price-to-income ratio). The Zebra used Census intel to calculate the price-to-income ratio for Americans in 1960 as well as 2019 and found that in 1960, the median home cost $11,900, while the median income was $5,600, indicating a price-to-income ratio of 2.1. By contrast, in 2019 the median home cost $240,500 with an estimated median income of $68,703, a price-to-income ratio of 3.5.Housing costs have far exceeded growth in wages — the median house of 1960 would cost just $104,619 in 2020 dollars, far below the actual cost of $240,500, meaning housing costs have increased by 229%. Median household income has only grown by 140% in that same time period, from $49,232 (2020 dollars) in 1960 to $68,703 today.Black Americans face an even greater challenge when it comes to housing affordability, as Black families earn an average of $29,000 less annually than white families, which would represent a price-to-income ratio of 6.1. The Zebra 2021-02-02 Christina Hughes Babb Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Demand Propels Home Prices Upward 1 day ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 1 day ago February 2, 2021 1,222 Views Tagged with: The Zebra The Best Markets For Residential Property Investors 2 days ago Sign up for DS News Daily Subscribelast_img read more

Get everyone on the same page with marketing strategy session

first_imgYou’re a marketing executive and it’s the beginning of the year.  Your plan is to hit the ground running with your newly approved 2018 budget, mass media schedule, the promotional calendar, your credit union’s events, and the social media content wrapped around your incredible, new marketing plan. 2018 is going to be stellar! All that is left to do is to let the results start rolling in. Why then, do you have this nagging feeling that you’ve overlooked something critical? What’s missing? You forgot to review the marketing plan with the executive team! Marketing can only be effective when everyone is on the same strategic page. Be sure to take the time to get on the executive team calendar to discuss your marketing strategy and initiatives for the year. This will help ensure everyone works together to implement the marketing plan and grow your credit union!Discuss these four items in your Marketing Strategy Session:Start with the Why – Explain the purpose of each promotion, event and initiative. Is the objective to raise awareness, drive a specific behavior, or ask for the business? Then tie objectives back to the strategic plan of your credit union. If you can’t define why you are doing it (and we’ve always done it that way doesn’t count), then re-evaluate and cut or refine until it makes business sense to pursue.Review the Marketing Channel Mix– Talk through your media plan and the promotional calendar. Make sure that everyone understands why you are using a certain channel and how you plan to define success. If you run ads in mass media for example, is the purpose to raise awareness? What are the metrics you will use to determine if the objective was achieved?  Get Buy-In and Achieve Consensus – Encourage your colleagues to ask questions and dive into the specifics. You want to make sure that each member of the team understands the marketing strategy and can articulate it to their employees. Also, as part of this process ask for ideas of how the marketing strategy can be integrated throughout your credit union. Conclude by asking for buy-in… “Is everyone on-board with this approach? Yes? Awesome, can’t wait to get started!”Rock It! – Document the strategy in your marketing plan then review and discuss each month. Cover what’s going on, what’s next and review the results you’ve achieved. Prepare quarterly metric updates and make sure that the marketing plan progress is appraised as part of the strategic plan review. Take the time to get everyone on the same strategic page and you’ll find that marketing and growth discussions will become and stay much more strategic throughout the year. Talk strategy and make 2018 the best year ever! 19SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bryn C. Conway Bryn C. Conway, offers more than 15 years of experience as a former credit union executive with extensive background in strategic planning, brand development, member experience, retail delivery and public … Web: Detailslast_img read more

Sportium confirms 2-year extension to LFP La Liga partnership

first_imgShare Spanish operator Sportium has confirmed that it has renewed its official betting partnership with La Liga de Fútbol Profesional (LFP), the governing body of La Liga, Spain’s highest level of professional football for a further two years.Sportium the Spanish joint-venture firm backed by Ladbrokes UK and Spanish legacy gambling operator Grupo Cirsa has acted as LFP betting partner since 2014, gaining high exposure through La Liga, marketing initiatives, TV broadcasts and social media channel.Updating Spanish media, Sportium marketing stated that it was pleased to renew terms of its most successful sponsoring to date. The bookmaker detailed that it would continue to help with La Liga social and grassroots initiatives.Alberto Eljarrat, CEO of Sportium, added: “It has been a success since the start. It has given our brand great exposure and emphasises the fact that we share intrinsic values, such as fair play and integrity in sport.”Javier Tebas, President of La Liga, said: “After three years, Sportium has become a company with close ties to La Liga and our aims, which is why we want to extend our collaboration for a further two years. At La Liga we work with top-level brands. Sportium is the betting firm that shows the greatest level of commitment to integrity and is entrenched in sporting values, which it certainly shares with LaLiga.” Related Articles Codere avoids total collapse with 12-month credit line  June 22, 2020 StumbleUpon Blackstone reviews CIRSA options as pandemic wipes out IPO potential June 2, 2020 Submit CIRSA confirms Antonio Grau as inbound CFO July 17, 2020 Sharelast_img read more

Mallard’s Team of the Week — Nelson Road Kings Executive

first_img“Record-breaking year on Nelson Streets.”It’s just one of the ways to sum up the 2014 Nelson Road Kings Queen City Cruise held during September in the Heritage City.With Mother Nature providing a picture-postcard-like day, and more than 300 cars from the southern BC Interior, Washington, Idaho and southern Alberta arriving to fill the Heritage  City downtown, the 2014 Road Kings Queen City Cruise was an amazing event. Mallard’s Source for sports would like spotlight the core group of organizers of the 2014 Queen City Cruise, the Road Kings executive, with Team of the Week honours.The contingent includes Jack Chambers, Coling “Mode” Radcliffe, Rob “Woody” Wudkevich and Stan Brost, President, Frank Anderson, Joe Mann, Vice President, Pat Keegan, Secretary and Treasurer, Mike Keegan, Past President, Britt Darough, Ron Cutler, Marcello Piro, John Madelung, Bill Smith and Dave Sabo.last_img read more


first_imgNOTES: The winning owner is Peter Redekop of Vancouver, British Columbia. JOCKEY QUOTES GARY STEVENS, GO WEST MARIE, WINNER: “A great trip. Eddie’s done a great job with this filly, and I got on her at the right time. I learned a lot about her. I asked him last time if I could just sit on her and be quiet with her. It worked out well – she exploded with me the last eighth, and I rode her the same way today even though we were shortening up and there was so much speed. The key with a filly like this is they’re professional – let them settle and they’re going to finish for you.“I followed Velvet Mesquite (with Mike Smith up), and she gave me a great lead. Mike’s horse clipped heels just before we crossed the dirt, and I was directly behind him, and I could tell we were getting up close. But I was able to duck to the inside.” EDDIE TRUMAN, GO WEST MARIE, WINNER: “This race wasn’t really our choice. We think she’s better going long but we wanted a Cal-bred race. Her last race was in open company and this really was our only option for Cal-breds. Gary (Stevens) said he would ride her the same, just sit on her, dead last and . . . before she has run down the hill and been on the lead, so really, she’ll do anything. She is just so sweet. She’s maturing and getting so much smarter and kinder.”center_img TYLER BAZE, HOME JOURNEY, SECOND: “She may have been a little tired. She ran really hard. We were flyin’ but she was doing it with her ears pricked. I think it’s better to let them go fast than to take hold of them and fight. I just let her go. She can be temperamental so I just wanted to get along with her the best I could. She ran a huge race, she really did. She gave it all she had.”TRAINER QUOTES -30-last_img read more

Motorists urged to use Vlissengen/Carifesta Avenue with caution

first_img…infrastructural works in progressCoordinator for the Public Infrastructure Minsitry’s Works Services Group, Geoffrey Vaughn is urging motorists to proceed with caution at the intersection of Vlissengen/Carifesta Avenue since infrastructural works are ongoing.Speaking with the Department of Public Information (DPI), Vaughn reminded that preliminary work for the construction of a roundabout at the Vlissingen and Carifesta Avenue junction was being executed at the time. The coordinator also emphasised that persons should always be cautious when proceeding along the junction.The Vlissingen Road / Carifesta Avenue intersection“Roundabouts don’t usually have traffic lights, but persons need to practice using the area with caution, if they don’t, then it will give you an idea of how people would utilise the roundabout when it is completed.”While the Public Infrastructure Ministry will consider engaging the relevant authorities to have the traffic lights functioning as per normal, Vaugh said his office will also recommence its campaign to sensitise road users on the ‘dos and don’t’s’ of manoeuvring the roundabout.Vaughn said “currently the area takes the shape of a roundabout, so the Ministry has to begin an early campaign to inform persons on how to use the area safely. Road users need to be aware that persons who enter the intersection should move first. Also, persons who wish to make a right turn, should approach the roundabout in the right lane, then signal right as they approach the roundabout and continue to signal right until they are ready to exit. Then, signal left before you exit the roundabout. These are things we want people to know.”Contracts for the roundabout are still out for tendering and will soon be awarded following which infrastructural work will commence. In the interim, the WSG Coordinator is asking pedestrians to be patient and use the area with caution.last_img read more

3 critical challenges your business incubator should solve

first_imgTo develop an idea into a business, incubation seems to be the new industry “normal.” There are thousands of incubators worldwide and each year that number is continuing to grow. There are private, public and corporate incubators, many with a distinct focus on local economies, global, communities, or a specific vertical.At this point, it sounds like variations of ice cream. Over 9,000 flavors, all around the world. If there’s incubation happening, it’s because there is a demand from companies, and because the companies that incubate probably accelerate beyond their competition.Incubators originated in New York during the late 1950s as co-working spaces offering affordable office space and shared resources to local entrepreneurs. As they evolved, incubators began providing mentor advice in the mid-1980s. By the mid-2000s we saw explosive growth when a new wave of incubators including 500 Startups, Techstars, Y Combinator all provided access to exclusive networks and investors.Combined with crowdfunding, incubation is now seen as the royal path towards venture capital investment. Going down this path will provide you with a cheaper and faster route to a successful round of financing.All is sound and clear. Or is it?Let’s take a step back and start with what it mean to “incubate.” To incubate means “to cause or aid the development of an idea.” Notice, that a company’s stage is not mentioned in the definition. More recently there has been a pushback on joining incubators due to a feeling to late-stage for them. But as entrepreneurs, we always need support and to be incubating what we do. Incubation plays a significant role in the developmental success of our companies.Now back to the why. Over 90% of startups will fail to make it past their first round of financing or being able to generate revenue. Only 10% have a chance to survive beyond and push forward on developing a company; a chance, not a guarantee. Today ninety percent is high, but we can see that number decline as more entrepreneurs take advantage of programs like incubators.But to do so as entrepreneurs, you need to be aware of the drawbacks with current structures of incubation programs.#1: PaceTraditional incubation programs today can be long and drawn out, lasting anywhere from 4-12+ months. During that time you’re left on your own with little action in between. This duration provides a disservice to the entrepreneurs involved by not helping them quickly validate their idea early enough so that decisions can be to more forward or pivot to another direction. Instead, this crawling pace encourages slow company growth and development leading towards a higher likelihood of failure.#2: AttentionMost incubation programs today work with a cohort size of 50-100+ startups. This is in part due to the nature of how they generate revenue (yes, they’re a business too) have to bet on a large number of startups to ensure they see a profitable return. Which means you become a number. Sadly, this is a structure built for fast winners, and everyone else falls between leaving you on your own, little personal support, or being given a helping hand.#3. NetworkThis is what most entrepreneurs fail to truly capitalize on while a part of an incubator program today. Good programs survive and thrive on their strong networks of mentors and investors who each have given their time and resources for support. But most programs fail to help entrepreneurs understand the network’s value and entrepreneurs fail to capitalize and to build meaningful relationships with those inside the network. This leads to a higher chance of failure because when trouble arises entrepreneurs look back for attention from their program or hesitate on a pivot and take instead are on the path of a slow death.Introducing the Alpha incubator programNow almost forty years after the first incubator launch, we enter the fourth wave of incubators with a new program that is truly supportive and begins to stack the deck back in favor of entrepreneurs. Welcome the ReadWrite Labs Alpha program.The Alpha program is built with the sole purpose of providing the initial support to entrepreneurs who are getting started, a little stuck on their next step or looking to enter the San Francisco / Silicon Valley ecosystem. Alpha’s focus is on Internet of Things (IoT) startups and provides office space in downtown San Francisco along with access to an exclusive global network of mentors, investors and corporate partners. The program is three months in duration for $2,000 USD and has been designed with data from working with over 100 top global IoT startups. No matter your stage, if you’re looking for support or growing your network strategically–and you want to be at the center of the action–join Alpha today. Kyle Ellicott How Myia Health’s Partnership with Mercy Virtua… Tags:#featured#incubation#Internet of Things#IoT#ReadWrite#startups#top Follow the Puckcenter_img Why IoT Apps are Eating Device Interfaces Related Posts Internet of Things Makes it Easier to Steal You…last_img read more

Ohio State, Notre Dame Set To Meet In Fiesta Bowl

first_imgAn Ohio State player tackling a Notre Dame player.GLENDALE, AZ – JANUARY 01: Wide receiver Chris Brown #2 of the Notre Dame Fighting Irish runs with the football against safety Vonn Bell #11 of the Ohio State Buckeyes (back) and cornerback Eli Apple #13 (front) during the third quarter of the BattleFrog Fiesta Bowl at University of Phoenix Stadium on January 1, 2016 in Glendale, Arizona. The Buckeyes defeated the Fighting Irish 44-28. (Photo by Christian Petersen/Getty Images)Neither Ohio State nor Notre Dame will have a chance to play for a national title this year, but the Buckeyes and the Fighting Irish did still qualify for a New Year’s Six bowl game. Sunday afternoon, ESPN announced that OSU and ND, the No. 7 and No. 8 ranked teams in the country, will play in the Fiesta Bowl on New Year’s Day. The Big Ten’s Rose Bowl bid went to Iowa – the nation’s fifth-ranked team – instead of Ohio State.Regardless, it should be a fantastic contest between two historic programs. In fact, it may be the most intriguing matchup outside the playoff.The Buckeyes and the Fighting Irish are headed to the @BattleFrogUS #FiestaBowl! @OhioStAthletics @NDFootball— Fiesta Bowl (@Fiesta_Bowl) December 6, 2015You can see the entire College Football Playoff rankings here.last_img read more