The Americas, already had hundreds of indigenous nations that had occupied the continent for tens of thousands of years before the Europeans landed. They had large cities and the people were highly skilled in astronomy, geography and math.

Rationalized through a single god chosen by a single people, Manifest Destiny evolved, leading to the largest holocausts known to mankind. This self-empowered doctrine gave Europeans their right to discover and conquer land in the name of their Old Testament God. The rational was used to “civilize the new world” and wipe out whole cultures along with 70 to 100 million people.

Before Europeans, Native Americans found an advanced spiritual balance with Nature, Earth and Sky using many practitioners, similar to the ancient east. It seems inconceivable that one written document and its God could be used to lay so much to waste.

#moonlightmilemagazine #kevinjpalmer #boyscout #rock&roll #takingabreath #blastfromthepast #memoriesofmusic #radiopictureproductions

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Contributor Diane Stewart

Savvy CEOs understand that business can change as trends become norm rather than the exception. They know that shifts in their industry, locally or globally, can have an immediate impact on their companies, sometimes for the long term.

Noticing those shifts can allow them to respond strategically rather than with knee-jerk reactions to fads. And how your business capitalizes on trends in social change, politics or technology or the environment can affect your ability to evolve in the right direction.

Our annual four-part series from Marc Emmer, president of management consulting firm Optimize, Inc., covers the trends business leaders can capitalize on as they develop their strategic plans for 2022. Business leaders can inspire innovation and avoid stagnation by embracing trends that align with their mission, vision and purpose.

Keep current with the latest developments with the following analysis of 4 areas of change:

Part 1: Social trends facing business in 2022 and beyond

The “Great Resignation” has been coined to describe the mass exodus of employees. One of the more shocking statistics is the number of Americans choosing not to work at all. This is just one of the social trends that will impact business in 2022 and beyond.

Part 2: Technology trends facing business in 2022 and beyond

The COVID-19 pandemic has spurred a massive digital transformation. Nearly every industry needs to consider the impact of artificial intelligence, machine learning and digitization. Those who choose not to participate will be left behind.

Part 3: Ecological trends facing business in 2022 and beyond

In 2021, the National Oceanic and Atmospheric Administration calculated that climate disasters in the U.S. have cost over $100 billion. Businesses are gaining a stronger appreciation for their responsibility to protect the environment with efforts like these that support sustainability.

Part 4: Economic trends facing business in 2022 and beyond

Just as the economy began to bounce back from the economic shutdown of 2020, business owners were hit with unprecedented supply chain shocks, labor shortages and inflation. As we look ahead, CEOs must reconcile which economic conditions are transitory and which ones are here to stay.

The post CEOs Understand Business Change first appeared on Kevin J Palmer Scottsdale.

The U.S. Labor Department reports that unincorporated self-employed workers have risen by 500,000 since the start of the pandemic.  Workers are seeking flexibility and employees are discovering their inner entrepreneur according to the WSJ.  What an opportunity for franchisors, a proper message appealing to these entrepreneurial minded people can show the way to owning their own business and reducing risk.

Labor Department data shows that a record 4.4 million resigned from their job in September of 2021, showing the general desire to be in more control over their lives and priorities.  While a significant number of these 500,000 added to the self-employed market may be those who do not want employees or just want to work alone that still leaves hundreds of thousands who might make good franchisees.

Already we are seeing the impact, in 2021 franchising’s contribution to the U.S. continued to grow:*

• 16 million jobs
• 2021 projected payroll $780 billion.
• 7.4% of GDP

With this strength in the growth of franchising the New Year brings on the strategic question of whether to grow a concept by franchising or by company owned units?  There are many factors involved including the capital required to open units, management’s abilities, need for rapid market penetration, ability to teach the system, profitability, etc.  So it’s probably a good idea to get the opinion of an expert, thankfully that has kept me in this business for over 40 years.  Here are some of the things I consider to gauge the potential of a start up franchise:

• At least one and preferably several or many company owned stores that are successful.
• Then we measure the ROI after royalties.
• Is the business teachable?
• Do they have a registered trademark and have they protected other intellectual property rights.
• Does management have the right mind set to lead franchisees, not boss them?
• Is there sufficient capital to not only set up the franchise system with legal and business requirements but will there be capital to launch the hunt for franchisees?

What are the advantages of using franchising?

• Rapid market penetration.
• The franchisees supply most of the capital for growth.
• The franchisee become management with “skin in the game”.
• You build a community of like-minded people that can provide collaborative excellence to propel the whole system to new and greater heights.
• Reduced risk because of the proven business systems.

This mini overview is just to remind you that franchising is real, continuing to grow and worth protecting.

*Statistics were taken from multiple sources including U.S. Labor Department, FranData, the IFA and other industry sources.  Jack Eberenz is a franchise consultant and advisor. Can be reach at jack@franway.com

Dates EmployedOct 2017 – Present

Employment Duration3 yrs 4 mos

LocationScottsdale AZ.

The post “WORKERS QUIT JOBS IN DROVES TO BECOME THEIR OWN BOSSES” Wall Street Journal 11/30/21 first appeared on Kevin J Palmer Scottsdale.

On Judgment, Mediocrity, Complacency, Animals, Dogma

Answer:  I don’t judge others I analyze society, people & markets for a living and it must result in tangible cognitions of humanity. It has also aided me in helping others with needed change. It’s mostly thanks to my up brining. My family is unlike most and people who know them tell me to be grateful.

Answer:  Mediocrity is not a slam statement, it is merely a quality, coming from French word meaning middle. People who making 64K have nice houses and big pickup truck but the line to fall below that average is thin.

Answer:  If you feel better with broader complacency, as you say, that is fine with me but keep in mind if there were not those who felt better when they do better, you may have died from your cancer before this interview.

Answer: Yes, I, hold animals in the high regard and have worked to protect them. Some of my favorite people are dogs and horses. This has nothing to do with self-praise. I’m shining light so others have a rudder in this world of confusion and spin.

Answer:  This has more to do with others than me. I try to keep it simple and not buy into current dogma. What I learned from caring, loving compassionate parents still works in the world.

Kevin Palmer, writer-rebel-producer-poet

Kevin Palmer, writer-rebel-producer-poet

http://KevinjPalmerAuthor.com

Kevin Palmer Arizona http://KevinjPalmerAuthor.com

Kevin Palmer www.thequietrich.com

Author Kevin Palmer http://reawakeninganamericandream.com

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Kevin Palmer Phoenix www.kevinpalmerscottsdale.com

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The earth is overpopulated and standard characteristic of a virus is to remove weaker parts of a group.

America has more deaths than other countries. A sad commentary on the state of our obsess, sedentary, diabetic health.

Get off the couch and take responsibility for the gift of life. …Break from the crowd.

Writer-Rebel-Producer-Poet

Financial freedom fighter

Economic justice activist

Author and Journalist Kevin Palmer

SMA Institute Kevin Palmer

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Fundamental to the study of neuroeconomics is a need to fill certain gaps in conventional economic theories. Economic decision-making, based on rational choice theory, suggests that investors will objectively evaluate risk and react in the most rational manner, but treats the inner workings of the decision maker’s mind as a black box that is beyond the scope of economic inquiry. Behavioral economics breached this barrier by applying insights from psychology to cases where people do not appear to follow economic rational choice theory or optimize utility. Neuroeconomics tries to take the next step by studying the relationships between economic decisions and observable phenomena in animal or human brains. Insight into the mechanisms driving individuals can help to better predict the future of economics.

For example, history has shown the perpetuation of asset bubbles and, subsequently, financial crises. Neuroeconomics provides insight into why humans might not act to optimize utility and avoid financial difficulty. Typically, emotions profoundly influence individuals’ decision-making. The brain often reacts more to losses than to gains, which can stimulate irrational behavior. While emotional responses are not always suboptimal, they are rarely consistent with the concept of rationality. As neuroeconomics becomes more developed, the field of study shows the potential to improve the understanding of the mechanisms influencing decision-making.

Neuroeconomics is also closely related to the field of experimental economics. Neuroeconomics research largely consists of observational studies where human or animal subjects are offered one or more sets of choices, while researchers observe, measure, and record various physiological or biochemical variables before, during, and/or after the choices are made, or directly controlled experiments where researchers chemically or electromagnetically alter some subjects’ brain function and then compare the choices made by treatment and control subjects. Neuroeconomics researchers use tools like magnetic resonance imaging (MRI) and positron emission tomography (PET) scans to observe blood flow and activity in different regions of the brain, and blood or saliva tests to measure neurotransmitter and hormone levels.

Neuroeconomics can be broken down into three central areas of study: intertemporal choice, social decision-making, and decision-making under risk and uncertainty.

Intertemporal choice is the process by which people decide what and how much to do at various times. People value economic goods differently at different times, and choices made at one point influence the choices available at others. Neuroeconomic studies in this area seek to understand how brain activity and chemistry might influence time-preference and impulsivity.

Social decision-making studies relates the results of game theory-based choices involving multiple, interacting subjects to observations of brain and neural activity. Game theory applies mathematical models of conflict and cooperation between rational, intelligent decision-makers. Neuroeconomic studies on social choice have focused on how aspects of trust, fairness, and reciprocity in social decisions relate to brain function.

Studies of decision-making under risk and uncertainty describes the process of choosing among alternatives where the outcomes are fixed, but vary according to probability distributions that may or may not be known by the decision makers. These studies look at how risk preference, aversion to risk and loss, and incomplete information over decisions are reflected in the brain and nervous system.

KEY TAKEAWAYS

• Neuroeconomics is the application of neuroscience tools and methods to economic research.

• Neuroeconomics analyzes brain activity using advanced imagery and biochemical tests before, during, and after economic choices.

• Neuroeconomics shows links between economic activity and physiological activity in certain portions of the brain or levels of brain chemicals.

REVIEWED BY JAMES CHEN

The post Neuroeconomics first appeared on Kevin J Palmer Scottsdale.

Part 3 of a 3-part series (History Repeats) Encore Performance from 2003

Never again will you hear the objection, “the big firms have their own floor broker and better executions”, because such trading will soon be obsolete, as we predict so will the NYSE.

Because we know that after 9/11 a directive from the highest levels of government sent workers back to the exchange almost immediately to quell fears that a financial collapse would follow, and today 60% of those workers are reporting ill health effects from the toxic exposure that existed in the area after the attack.  Unequivocally confirming that the world financial markets are highly vulnerable to terrorism if trading takes places in centralized locations, thus prompting research on ways to decentralize the power of trading to locations similar to NASDAQ, which will further give equal and fair access to all individuals and firms no mater what your size or location.

Yes, the playing field has been leveled, and the perception of Fortune Five hundred brokerage firms being better then smaller ones no longer exists.

Investment intelligence, best price executions, global research, cutting edge technology, safety and integrity, is now available from the countries, next great source of financial services, the Independent Broker Dealers.  And if you don’t think that’s the case just look at the New York based company (National Financial Partners) that will go unnamed who is buying 20 to 25 independents a year because, they believe that’s where their money is.

Your world has changed and you now stand to benefit greatly if you get on board with this paradigm shift.  In 2002 our survey of the largest wire house brokers reported that they held an average of approximately 542 accounts had assets of 66.4 million under management and received an average payout of 36.3% to earn a median average income of $256,376.

Our projection for the next four years is that approximately 29% of wire house clients will leave their firms, taking with them the average of 20million in assets per broker. Which equates to, if you do your job right and capture those assets, an increase, of almost a 28% pay raise just for catching the fallout (not to mention the ancillary business), and that the average Independent brokers salary could be at parity with today’s wire house brokers by 2008.  And that is just if you are average.

Consider yourself better then average and I know many in this room do, that’s why you are here, then the sky is the limit.

Because part of this projection is due to a business model change at the large firm who will be actively releasing smaller clients in order to replace them with the one half of one percentile of the market that they have decided to focus on.

Which is great for you because the engine of your client base becomes the same as the demographic that is the most powerful force of the economy, the small business owner, who by the way  employee 50.1% of the private work force and produces 75% of all new jobs and has discretionary investable asset of 2.1 million. Not a bad market for you to control. It is one that can make you rich.

So, look around you because the person sitting next to you is now the new standard in the financial service industry and the firm that you are with, is now part of the countries new paradigm shift to independent broker dealers. And by continuing to provide the highest level of service to a new generation of investors, you will be part of the next great generation of firms on Wall Street.

Embrace the challenge take advantage of this new opportunity- to work hard have- fun – and make a lot of money.

The information contained herein has been obtained from reliable sources however may not be accurate and is not guaranteed by us.  Readers are encouraged to undertake their own independent investigation and evaluation of the relevant facts.  All claims and allegations are subject to adjudication, decisions may be subject to appeal, and no inference is intended, nor should any inference be made from any information contained herein from any source. This posting and the information on our website is for general information purposes only.  This content should be not considered legal advice, and any responses, comments, e-mails, other communications do not form any attorney client relationship.

As Frank Burns said, “If I made any mistakes in this article, they are God’s will or someone else’s fault.”

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The post Never Again first appeared on Kevin J Palmer Scottsdale.

Becoming 21 is a benchmark in life not to be taken lightly. It means you already have a history, as you move on to even greater accomplishments.

Felling much like an aunt and uncle, our gift this year reflects the history of Don Julio González who began tequila-making in 1942. In America that year you could buy a house for $3775, a car for $920 and a loaf of bread for 10 cents. I’d be remiss if I didn’t mention the Japanese attacked pearl harbor that year.

No, we don’t remember that event, lol, but I have often read about that year and learned that it is through struggles and challenges that true greatness is forged. We know this by looking at America today, of which you have now become a “legal” and important part.

Enjoy this distinguished, white-oak barrel aged tequila that reflects Don Julio González’s passion for making a high-quality product. And remember we feel your personality and potential can eclipse the simple greatness of its maker, and we look forward to your continued success.

The best years of your life have begun. Enjoy the future thoroughly, work hard, experience all you can—and love deeply.

Kevin J Palmer

The information contained herein has been obtained from reliable sources however may not be accurate and is not guaranteed by us.  Readers are encouraged to undertake their own independent investigation and evaluation of the relevant facts.  All claims and allegations are subject to adjudication, decisions may be subject to appeal, and no inference is intended, nor should any inference be made from any information contained herein from any source. This posting and the information on our website is for general information purposes only.  This content should be not considered legal advice, and any responses, comments, e-mails, other communications do not form any attorney client relationship.

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In 1942, the U.S. Government invoked the war status to proclaim the rationing of gasoline and distributed A-cards or B-cards. The public was sympathetic with WWII being fought and it was clear America needed to conserve fuel.

The real reason that government decided to give out those A-cards or B-cards was not gas, it was tires. The excuse, as always, was public safety. When the war began America had more than enough fuel to last two decades, but no rubber for tires.

So Washington with its average intelligence, understood average human nature. They concluded that if the sale of new tires they banned, citizens would just drive the same way until the old ones wore out cause a massive safety hazard—so they lied and rationed gasoline.

Average American acquiesced and drove less, and political car pool got bigger!

As Frank Burns said, “If I made any mistakes in this article, they are God’s will or someone else’s fault.”

Kevin J Palmer

Kevin Palmer

Kevin Palmer Scottsdale

Kevin Palmer Arizona

Economic Justice

Economic Oppression

Peace through Prosperity

Financial Freedom Activist

Financial Literacy

Economic Dignity

Resist

Question authority

Investing

Stock market

Buy Stocks

Contravention

Securities Sales Supervisor

Arizona Based

Merrill Lynch

Liberty St. 10005

Options Trading

Scottsdale

Securities industry

Financial advisor

Financial Industry

Morally and practically

Interference from government

Large corporations

Oppressive institutions

Economic liberty

U.S. Constitution

Stands up for freedom

Greedy malevolent corporations.

Ordinary People

Pawns for Politicians

Bureaucrats

Corruption

Injustices

Ridiculous Restraints

Limit personal freedom

Stifle entrepreneurship

Special interest groups

American Dream

Under Attack

Unreasonable Requirements

Honest Competition

Consumer rights

Managing Director

Strategic Management Advisors

Public advocacy

Strategic research

Emotional Intelligence

Economic Information

Emotional Factors

Sound Financial Decisions.

Forecasting

Investment Policies

Economic Dignity

Improve quality of life

Economic fairness

Cognitive Influences

Attain wealth

Live Authentically

Connecting Personality

Achieve abundance

Without Maliciousness

First Allied Securities

Customer complaints

Terminated

Discretionary Trades

Avoid financial scams

Security fraud

Not affiliated

Losses Recovered

Cutting-edge investigations,

Discretionary Trades

Disciplinary action

Regulatory sanction

Former employer

Broker -Dealer

Regulatory Authority

Exercised discretion

Discharged Quiet Rich

Wealth

Entrepreneurship

Writer Activist

Producer Poet Rebel

Equalize Unfairness

Financial Literacy

Economic prosperity

Honest Enterprise

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