The Long Pause: Opportunity For High Yield

The Long Pause: Opportunity For High Yield

Lari Bat By Bill Zox, CFA and John McClain, CFA Investor obsession with peaks—peak inflation, peak hawkishness, peak bearishness—has shifted to pivots, in particular, a possible Federal Reserve (FED) pivot away from its aggressive rate hikes over the last year. We see that pivot as a three-stage process: downshift, pause, and then rate cuts. The downshift began in December when the Fed hiked 50 basis points after four consecutive 75-basis point hikes. As we write this article, financial markets are discounting 2 to 3 additional 25-basis point hikes during the first half of the year and then a pause. The Fed seems comfortable with this pricing. However, financial markets also are discounting a shift to 50 basis points of rate cuts in the second half of the year and another 100 to 125 basis points of cuts in 2024. The Fed has done nothing to validate the discounting of these rate cuts. Immaculate Disinflation with Rate Cuts Financial markets seem to be placing a higher probability on what some are calling an “immaculate disinflation.” This phrase describes a return of inflation to around 2% over the next year, accompanied by a soft economic landing or perhaps a mild recession […]

DRL Notice of Funding Opportunity (NOFO): FY22 Ensuring Freedom of Expression for Vulnerable and Marginalized Populations Responding to Anti-Rights Efforts and Targeted Attacks

DRL Notice of Funding Opportunity (NOFO): FY22 Ensuring Freedom of Expression for Vulnerable and Marginalized Populations Responding to Anti-Rights Efforts and Targeted Attacks

United States Department of State Bureau of Democracy, Human Rights and Labor (DRL) Notice of Funding Opportunity (NOFO): FY22 Ensuring Freedom of Expression for Vulnerable and Marginalized Populations Responding to Anti-Rights Efforts and Targeted Attacks This is the announcement of funding opportunity number SFOP0009384 Catalog of Federal Domestic Assistance Number: 19.345 Type of Solicitation: Open Solicitation Application Deadline: 11:59 PM ET on April 5, 2023 Funding Floor: $750,000 Funding Ceiling: $750,000 Anticipated Number of Awards: 1-2 Type of Award : Grant or Cooperative Agreement Period of Performance (example 12-18 months, 2 -5 years): 12-24 months Anticipated Time to Award (pending availability of funds): 2-8 months A. Project Description The U.S. Department of State, Bureau of Democracy, Human Rights and Labor (DRL) invites civil society organizations (CSOs) to submit applications for projects that have the goal to promote and protect Freedom of Expression (FoE) for vulnerable or marginalized populations. The focus should include women and girls in all their diversity; LGBTQI+ persons, transgender or gender-diverse persons in particular; migrants; members of marginalized racial, ethnic, and Indigenous communities, religious minority group members; and others targeted by anti-rights actors. These actors deploy targeted threats and instrumentalized stigma against such groups in order […]

New Homeownership Pilot Program in Corridors of Opportunity Provides Up to $80,000 in Assistance

New Homeownership Pilot Program in Corridors of Opportunity Provides Up to $80,000 in Assistance

New Homeownership Pilot Program in Corridors of Opportunity Provides Up to $80,000 in Assistance A new homeownership pilot program from the City of Charlotte will provide up to $80,000 in assistance for eligible residents purchasing a home in "areas of influence" within the Corridors of Opportunity. House Charlotte Plus offers an additional layer of financial assistance to the existing House Charlotte homeownership program . Through this new pilot program, an eligible resident can receive an additional $50,000 as a 0% interest deferred loan. House Charlotte Plus must be used in conjunction with House Charlotte, which currently offers up to $30,000. Together, an eligible homebuyer could receive up to $80,000 in assistance through these two programs. As part of the $60 million in current and planned investments renewing the city’s commitment in the Corridors of Opportunity , House Charlotte Plus is only available in designated areas inside the Corridors of Opportunity known as areas of influence . To be eligible for House Charlotte Plus, a homebuyer’s income must be 80% of the area median income (AMI) or less. The maximum purchase price is $300,000 for existing homes, and $315,000 for new construction. The entire loan balance must be repaid if […]

CAU School of Business WINS the Bloomberg Terminal ESG HBCU Stock Challenge

CAU School of Business WINS the Bloomberg Terminal ESG HBCU Stock Challenge

Clark Atlanta University School of Business Administration is celebrating 75 Years. In January, Clark Atlanta University joined Howard University, Hampton University, Morehouse College and Morgan State University as participants in the Bloomberg Environmental, Social and Governance (ESG) trading challenge event. This event was a virtual investment competition that took place entirely onthe Bloomberg Terminal. Dr. John Young, an Associate Profession of Finance at the Clark Atlanta University Business School, led students through the challenge. I asked Dr. Young to explain what the “Bloomberg” terminal did and how it worked. He spoke about live data to make Wall Street trades. Using an entity’s “ESG” rating, students were given funds to build a portfolio. The program took place over a six-week period. The student who grew their portfolio the most over the period won. Darrin Stephens, a CAU Business School student, won with a profit of 29%. Young went on the explain that the securities class used the challenge of understanding fo using financial skills to create financial independence. While the challenge involved business school students, Young shared that at Clark Atlanta University, “personal finance” is taught across all curriculums. During Smart Money Week, all students will be involved in an […]

Aiken County business owner gives back to local non-profits

Aiken County business owner gives back to local non-profits

AIKEN, S.C. (WRDW/WAGT) – An Aiken County business owner is working to give back to two local non-profits by selling a special t-shirt. The funds benefit Aiken Equine Rescue and Mental Health America. The owner of White Rose Eclectics chose the charities after seeing the impact the pandemic had on mental health, and the love she has for horses. She’s hopeful the fundraiser helps get the word out about these two charities. Martha Wise, owner of White Rose Eclectics, says, “It’s just such a giving town and there’s so many wonderful non-profits here its hard not to give back. It really kind of goes hand in hand people helping horses and horses helping people.” 100 percent of those profits made from the shirts are split evenly between the two charities. Copyright 2023 WRDW/WAGT. All rights reserved.

MicroStrategy’s Software Business Turns Profitable As Bitcoin Stash Appreciates

MicroStrategy’s Software Business Turns Profitable As Bitcoin Stash Appreciates

MSTR Earnings Outlook SOPA Images/LightRocket via Getty Images MicroStrategy MSTR +9% , the bitcoin investment vehicle attached to a business-software company, is likely to report its first quarterly profit in two years in results expected this afternoon as its business improves and the value of its crypto hoard rises. Steady progress in its business-analytics division, which is seeking to transition customers to recurring, internet-based subscriptions–known as the software-as-a-service model–from on-premise licensed programs, should give a lift to results, according to Joe Vafi, a managing director at Canaccord Genuity. Although the business is relatively mature, it is “very sticky with good margins,” he adds. Even though Q4 revenue is expected to fall about 3% to $130 million, according to consensus data compiled by FactSet, the company is on track to report net income of $10.7 million after losing $90 million a year earlier. The last time it eked out a profit was the final quarter of 2020, when it earned $2.7 million. On the adjusted basis used by Wall Street analysts, MicroStrategy is expected to earn 98.3 cents a share, Bloomberg data show. As far as investors are concerned, the software business plays second fiddle to the company’s bitcoin strategy, […]

BMW Group Chooses RISE with SAP to Drive Business Transformation

BMW Group Chooses RISE with SAP to Drive Business Transformation

WALLDORF & MUNICH — SAP SE (NYSE: SAP) today announced that BMW Group will expand its strategic partnership with SAP to accelerate its digital transformation. On January 25, 2023, this was sealed by both companies. Using the RISE with SAP solution, BMW Group will move its entire SAP software landscape. The company will merge its cloud strategy with its existing SAP S/4HANA systems, allowing for joint innovation for critical business areas, including finance, parts supply, warehousing, supply chain and production. This will help BMW Group to digitalize faster, more comprehensively and more efficiently in the future. Expanding a Long-Standing Strategic Partnership BMW Group and SAP look back on a long-standing strategic partnership. As part of RISE with SAP, BMW Group will have access to a cloud platform for end-to-end business processes. Alexander Buresch, CIO and Senior Vice President, BMW Group IT, said: “This strategic decision will help us to drive our digitalization leadership even faster forward. We are increasing the flexibility of our infrastructure and creating maximum global scalability. And most importantly, it allows us to bring business innovations to our customers and users much faster than before. That’s why I’m very much looking forward to the next steps […]

The Future of Publishing: AI, digital transformation and the biggest challenge ahead

The Future of Publishing: AI, digital transformation and the biggest challenge ahead

In thinking about the future of publishing, AI provides many opportunities beyond ChatGPT. Here are some of the best strategies and tactics that are driving growth in audiences, revenue and innovation at media businesses around the world. The attention economy, competition and AI This is a report from a Future of Publishing conference that I’m taking part in. Our panel focused on the future challenges for publishers in terms of technology and revenue. Here is a sampling of the questions and my answers. The opening icebreaker question covered a range of challenges including intense competition in digital publishing both for attention and digital ad revenue, and on top of that of course, we were asked about the digital spectre du jour is ChatGPT and what it might mean for publishers. In terms of competition, the business of digital media has always been governed by paradoxes. The barriers to entry are much lower than print or broadcast media, which has led to intense competition. Some refer to this as the attention economy. The idea that content in the broadest sense is no longer scarce with easy access to an endless supply of music, movies, TV, news updates, long-form journalism, video […]

SAP, PwC partnership driving digital transformation & cloud success in West Africa

SAP, PwC partnership driving digital transformation & cloud success in West Africa

Businesspeople having conversation, while on the way to a meeting, in modern office space With more businesses in West Africa adopting cloud technologies than ever before, the region is set to enhance its competitiveness significantly. Following years of disruption, and hampered by a lack of legacy investment into technology, West African businesses now have an opportunity to leapfrog tech adoption and leverage the cloud for rapid growth and success. Titilayo Adewumi, Managing Director at SAP West Africa, says: “Companies across the region are adopting cloud to achieve greater scalability, improve their data and analytics capabilities, drive innovation and build greater resilience. A huge part of our success in supporting the region’s digital transformation efforts is our close collaboration with expert partners that continuously find new ways to innovate.” Digitalization a huge opportunity The World Bank recently noted that digitalization is one of the most transformational opportunities of our time , highlighting its role in alleviating poverty and boosting shared prosperity in West Africa. In light of this, cloud technologies offer tremendous benefits to organizations in the region. These include lowering the total cost of ownership of technology capabilities, achieving faster deployment cycles, automating manual processes to boost efficiency, enabling […]

Half a billion euro investment in digital transformation

Half a billion euro investment in digital transformation

Cyprus’s goal for this year’s DESI index is to be in the 15-16 range, according to Deputy Minister of Innovation Kyriakos Kokkinos. Over the next five years, a little more than half a billion euros (€512 million) will be set aside for digital transformation. Deputy Minister Kyriakos Kokkinos explained at the State Ministry of Innovation project presentation that 23% of the Recovery and Resilience Plan is dedicated to digital transformation projects, i.e. around €282 million plus another €150 million which comes from national resources, plus €80 million for business innovation, primarily digital, means that the total amount of money available over the next five years exceeds $500 million. The Ministry’s budget is approximately 120 million for 2023, rising to 157 million in 2024 and 135 million in 2025. For the period 2021-2027, the National Programme Plan allocates €34 million to innovation, €35 million to internationalization, €30 million to research, €17 million to strengthening structures and capacities, and €34 million to collaboration and knowledge transfer. According to Mr. Kokkinos, the Foundation’s funding programs have provided €30 million to start-ups and scale-ups over the last three years, resulting in €15 million in private capital leverage, the creation of more than 240 […]