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Food Conglomerate JAB purchases Pret A Manger, UK Chain Sandwich Shop

In yet another big purchase, JAB Holding, one of the largest and spendiest conglomerates on the planet, just bought Pret A Manger, the upscale sandwich/tea shop that are incredibly popular in the United Kingdom. This will be JAB Holding Company’s first foray into the retail sandwich market.


Pret A Manger is very popular with the white collar, urban crowd in the centers of cities. Office workers in particular tend to flock to the chain. This is a core demographic that JAB wishes to target. They will do so using corporate rewards programs, purchase tracking, and other data centric strategies that will allow them to grow and absorb Pret A Manger’s business.



The negotiations to purchase the sandwich chain ended up with a final price that is almost 2 billion USD. This deal also includes the acquisition of the assets and debt of Pret A Manger. This acquisition is the latest in a series of moves that JAB is making at the behest of their majority owners, the German Reimann family.


The company has spent 10s of billions of dollars in the food and drink markets. They have been snapping up properties left and right, from casual dining to beverage wholesalers. They own many companies across Europe, Asia, and the United States. Their first foray into the food/beverage market started like things often do, with coffee.


After purchasing standouts like Stumptown Roasters and Peet’s Coffee Jab turned their attention to the restaurant business. Krispy Kreme and Panera were their first acquisitions in this space. They later made an 18.7 billion dollar deal to purchase the company behind Dr. Pepper and Snapple.


Pret A Manger is one of their largest acquisitions to date. The roughly 3-decade old chain of sandwich shops prides itself on fresh ingredients and fresh baked daily bread. They are also in the coffee business and are reported to have one of the finest cups in London. They currently have around 530 locations globally, in Asia, Europe and North America.


Bridgepoint Advisors has had a controlling interest in the firm since 2008, during the financial crisis. If this sale goes through JAB foods will establish a critical foothold on the European market and have a new weapon to use in North America.

The Truth About Credit Card Debt and Your Financial Matters

There is level of planning for financial management that can be very helpful if you are in debt. A lot of people think that it is all about cutting up credit cards and making drastic decisions to eat scarcely with no dining out as you endure a life of boredom. This may work for some people, but getting your finances in order does not have to be a miserable journey. In fact, you can still get your finances together and have a great time if you know how to plan.


There is a common myth going around that credit cards are evil. People tend to think that they cannot have credit cards and stay out of debt if they have gotten into debt with credit cards. This cannot be further from the truth. Getting a credit card is going to work for some people that may need money on a short-term basis. It is actually very much like getting a loan.


This can be like a short-term loan for people that may have a payment that they need to make on the first but they may not get paid until the 15th. If they have the ability to charge it to the card and pay the full amount back on the 15th there really is no harm in having this done with the credit cards. Where most people find themselves in trouble is with the credit card purchase where they do not pay the full amount back.


This always leads to more interest rates and it essentially equates to more debt. This is a bad practice for anyone, but using a credit card where you are paying the full amount is a much better idea.


Some people are going to be able to use a credit card and earn points as rewards. This allows them to get cash back bonuses and gift cards. This is only considered a reward if you are paying the full amount for your credit card each month. If you are simply paying the minimum payment you are only rewarding the credit card company. This company is collecting an interest rate so you are just rewarding the company if you are paying an interest rate. Pay your balance and impove your finances.

Dr. Saad Saad patented innovations


Dr. Saad Saad is a retired pediatric surgeon who left a great legacy in the medicine sector by conducting hundreds of surgical operations as well as contributing to some of the best innovations. As a physician, his interest was to provide his patients with the best services which were low risk and which had less pain. He strived to come up with surgical operations methods which could be relied upon even by other professionals in the industry. Dr. Saad Saad patented two innovations as well as coming up with methods of performing various pediatric surgical operations. Dr. Saad spent four decades in the industry performing all manner of operations; from simple to complex ones. His services were offered both in America and outside America.


While most of his activities were in the United States, he participated in medical missions in the Middle East. He had four medical mission in the U. S and 8 in the Middle East. In the Middle East, his activities were in Jerusalem and West Bank. Here, he made sure that poor children who required complex surgeries were assisted free of charge. Let us look at the medical innovations of Dr. Saad Saad.


The first innovation involved the catheter. This is a handy tool in any surgical operations. They are used for various purposes in the surgical room. They can be inserted in the human body, can be used to access other surgical instruments, draining gasses and fluids during operations among other things. Medical catheters can be left in the body when necessary; temporarily or permanently.


When a catheter has to be put inside the human body, it has to be placed at the right position. A doctor, therefore, needs to trace the location of the catheter. Traditionally, the catheter was tracked using an x-ray. The x-ray method is common in medical practice, but it is not always good to be exposed to the radiations that come with x-ray. The other option in tracking the catheter is using an MRI machine which is not portable making it hard for medical operations to be conducted with ease. In light of all the problems which were being encountered in tracing the catheter, Dr. Saad came up with a device that could locate the position of the catheter in the human body without the need for a scanning machine.


The other invention that was made by Dr. Saad Saad involved improvement of the endoscope. An endoscope is an optical device that is used to look inside the body of the patient. While doctors are using these tools, one of the challenges that they face is obscured view due to body fluids. The fluids normally interfere with the view making it hard for the doctor to assess the body. To solve this problem, Dr. Saad Saad created a suction system for the endoscope. Learn more: https://chronicleweek.com/2018/04/dr-saad-saad-medical-missions/

What gives Clayton Hutson a great image in the music industry?

Tim McGraw and Faith Hill will be having their world Tour on their popular Soul2soul. For them to be successful and make their tour perfect, they have to choose the best tour manager whom they can trust that he or she cannot make things go astray during the precious moment. They have chosen Clayton Hutson who is a remarkable icon in the entertainment industry. Clayton Hutson owns a company that specializes in catering for all the needs of the clients regarding stage performances. He has been a behind the scene character for many, and he has an excellent reputation when it comes to making performances sizzling to the audience.

Clayton Hutson is an experienced person in his profession, and he also has a rich educational background which is one of the reasons he is the man he is today. He attended the University of Central Michigan where he attained his undergraduate degree in theater design. Since he had bigger dreams about his career, he went ahead with his education where he attained his master’s degree from University of Michigan School of business in Business Administration.

Besides, he has worked for some recognized stars in the music industry some of them being Pink, Roses, and Kelly Clarkson. One thing about Clayton Hutson is that he strives to make sure that his client’s satisfaction comes first before everything. He tends to work even for long hours to make sure that the customers’ needs are attended carefully. He also goes through his work to make sure that he does not make mistakes that would make things go astray during the performances. Besides, he always prepares for any risk or uncertainty during the presentations and plans for what to do in case something unexpected happens.

This is one of the factors that have helped him build a lot of confidence in his clients. For example, when Pink used acrobatic ribbons to land on the stage, he trusted Clayton because he knew that he had checked the way the ribbons were operating and he did not have to worry about his life. This is the kind of confidence that a stage manager should create in his clients.

Clayton Hutson’s reputation began when he worked for other companies in the entertainment industry, and that’s why after graduating he did not find it hard for him to start his company because he had already built himself a big market for his services. Learn more: https://twitter.com/@Clayhutson1

Markets React to Italian Turmoil, Federal Reserve to Keep Interest Rates Steady

he collapse of the proposed Italian government with President Mattarella’s veto of proposed financial minister Savona dented confidence throughout markets worldwide. Italy’s return to the polls after only four months points to a stronger, joint populist government. Both populist parties, the League and 5 Star Movement, are expected to take a more significant share of parliamentary seats than they did in March. The League and 5 Star Movement voice anti-EU, anti-Euro views, causing many to fear a possible Italian exit from the Eurozone.


In the aftermath of this weekends Italian drama, US yields are down to their lowest since the announcement of Brexit. On Tuesday afternoon, the ten-year treasury yield dropped roughly 15 points to 2.77 percent. More troubling was the reversal of the yield curve, which has short-term rates higher than long-term rates. A metric that is considered a warning sign of a coming recession


On Tuesday the S&P 500 financial sector declined 500 points or 3.4 percent while the Dow toppled 400 points. This drop was mirrored overseas as European stocks across the continent continuing a run-off spurred by the news coming out of Italy. With market uncertainty high, the US Federal Reserve was seen as unlikely to raise interest rates in June. A huge turn around from what last week was seen as a certainty. The increasing stress on the market has led investors to wonder if the Reserve will meet its projection of three interest hikes this year.


Analyst Jordi Visser explained since an Italy exit from the Euro is unlikely, this drop in stock was seen as a result of positioning, with Hedge Funds caught off guard by an unexpected rise in US Treasury yields. By noon on Wednesday, Visser’s comment were backed up as the S&P 500 had shown a slight rebound of 200 points that was echoed in US stocks. In Europe, Italy’s FTSE MIB was back up 2 percent while Germany’s Bayer was up 4 percent at close.

US Considering Trade Moves on China

The United States may not be done with threatening financial tariffs against China, continuing the back and forth the rhetoric that is leading to much uncertainty in the greater market.


As part of the economic threats made by the United States towards China are indications that tariffs can be imposed on up to $150 billion of goods imported from China. The introduction of tariffs may lead to an increase in manufacturing jobs in the United States, a point often repeated by President Donald Trump on the campaign trail, but may be a double-edged sword in that it will potentially lead to higher prices for consumers.


In addition to the trade imbalance between the United States and China are concerns regarding abuses of intellectual property by many Chinese businesses. These intellectual property abuses are not persecuted by Chinese authorities who take a more hands-off approach.


China has also been accused of propping up the businesses through state support in a number of industries and making it difficult for other global companies to compete. An example of this is in the steel industry where many Chinese state-sponsored companies will flood the market with cheap steel, making it difficult for global steel producers to survive, particularly in countries with social welfare programs that add significantly to the cost of operation.


This state support is part of China’s 2025 platform, in which the Chinese government is seeking dominance of certain key industries, a process that has infuriated many in the U.S. The United States is proposing a 25% tariff on certain Chinese exports to the U.S.


China has responded to the latest threat today by indicating that they are ready for a trade war if the United States is pursuing one. China indicated that it will protect their own interests of the United States continues an arbitrary and relentless verbal attack on their economy.


The increased rhetoric comes just days before a scheduled meeting by the Commerce Secretary of the United States, Wilbur Ross.


Although markets have taken notice of some of the earlier interactions between China and the United States in regards to these trade action, the current reaction has been muted and unobservable. If a trade war were to hit between the two countries, it might spell a large negative factor on economic trade and the stock market.

Former Wall Street guru Paul Mampilly expected at this year’s Total Wealth Symposium

On September 20-22 investors and A-list business people from all over the globe will be making their way to Las Vegas to attend this year’s Total Wealth symposium. The event is often held annually and brings together some of the best minds in the corporate world such as Paul Mampilly, Ted Bauman, Jeff Yastine and many others to address issues that affect the investment arena.

 During last year’s symposium, Paul Mampilly a renowned financial analyst addressed the subject of cyber security which for many years now has been affecting the manner in which most investors conduct their business as they try to secure their stock. In light of that matter, Paul stated that it is one of the primary causes of damaged stocks but also added that it should not be a cause of panic as there are major technological revolutions taking place which will help business people step up their security. Jeff Yastine also added a point on the matter stating that through various techniques in place such as encryption investors can now secure their stocks and detect intrusions before they occur.

 The primary goal of the symposium is to equip investors with strategies and skills which will help them maximize their profits while at the same time offering them tips on how to avoid suicidal stocks. For instance, this year’s objective is to help every investor in attendance earn profits of up to $1 million by the end of next year. Those planning to attend the event for the first time can be certain that insights offered at the event are effective because the proof is in the statistics. According to surveys and reports collected so far, it has been recorded that those who attended last year’s symposium have managed to maximize their profits by 1665 percent.

 Besides cybersecurity, the panel of experts will also discuss many other subjects that are of interest to investors such as the latest technological trends that will shape the world of business this year and in the future and many other strategies which will make it possible for `them to reach the $1 million mark. What’s even better is that attendees will get a platform to meet one on one with the guest speakers such as Ian King, Matt Badiali, Paul Mampilly, Chris Gaffney and many others so they can have a face to face chat and ask any burning questions and get expert answers and solutions. Visit Bizjournals.com to know more.

 Who is Paul Mampilly?

 Paul Mampilly is the man behind the famed Profits Unlimited newsletter. As Banyan Hill publishing senior editor, Paul will bring value to participants of the symposium as he has been in the world of business since 1991. He has worked with various top-shelf companies in Wall Street a factor that has helped enrich him with knowledge on how the industry works.

 Paul has marked major milestones in Wall Street and many prominent companies such as Kinetics asset management owe their success to him. For instance, while working as a hedge fund manager at the company, Mr. Mampilly led the company to be named as the World’s best after successfully managing and maximizing their $6 billion hedge fund to over $25 million. He also bagged the Templeton Award after turning $50 million to $88 million during the tough economic crisis of 2008 and 2009.

 Thanks to his extensive knowledge on the world of investments, Paul is a regular figure on various corporate discussions and has been featured on prominent platforms such as Fox Business News, CNBC and many others where he shares his insights. Mr. Mampilly is indeed a force to reckon and a reason to attend the symposium because it is certain that the participants will learn from the best. To learn more about Paul Mampilly, visit: https://paulmampillyguru.com/

Supreme Court Ruling on Sportsbetting Provides Financial Opportunities in USA

Supreme Court Ruling on Sports Betting


The Supreme Court officially ruled to reverse the ban on sports betting in the United States, effectively allowing for individual states to create their own laws or alternatively a pathway to federal regulation across the entire country. This ruling could provide a financial opportunity to several key parties that are involved with this issue. The sports leagues themselves could find themselves charging fees to sports betting websites in order to ‘protect’ the integrity of their competitive sports product in nationwide markets. This could potentially allow for sports team owners, sports leagues, and even individual players on sports teams to collect a percentage of these fees, should they ever be put in place.


Daily Fantasy Sports Websites Could Win BIG!


There are even more financial opportunities for the daily fantasy sports websites that wish to adopt the chance to provide a sports book in an American jurisdiction. Sites like DraftKings and FanDuel would reap massive financial gains if they managed to control a majority of this market. These websites would be the ‘big winners’ if nationwide, or even state-by-state regulation took place across the country.


States Could Boost Tax Revenue


It is no secret that most Americans that want to place bets on various sports elect to do so on various off-shore websites that provide no regulation and could be considered sketchy in many cases. The states that choose to officially regulate this potential market could find themselves in a gold mine, potentially boosting their tax revenue from legal sports betting markets within their jurisdiction.




The Supreme Court ruling provides the opportunity for several different parties to take advantage of the future of this market. Sports betting will inevitably be regulated in several states, if not federally, however the states that jump on this market in the early stages will likely find larger financial gains before the advantage fades away as more states embrace the sports betting industry.

Economic Growth Revised Downward for First Quarter

First quarter US growth statistics are in and the United States economy grew by 2.2 percent of GDP in the first quarter of 2018. Economists had initially predicted growth to be at 2.3 percent, this means that their numbers had to be revised downward to 2.2 percent.


Economic growth in the United States dropped due to a combination of different factors and variables. One reason for the slowdown was a significant drop in year on year consumer and business spending. This means that spending in these areas was down when compared to the previous year.


An additional factor that kneecapped growth was the severe winter storms across the United States. This depressed travel demand while also damaging or destroying a great deal of efficiency generating infrastructure.


The Department of Commerce planned for 2.3 percent growth, so the actual result is not that far off. Their justification for taking off 0.1 off of their growth numbers was due to new information added to their analysis of the quarter. Changing their numbers to be lower reflected inventory concerns and issues in the housing market. These changes were somewhat diminished due to robust investment in the business development market.


Analysts are still expecting US GDP growth to hit 3% by the second quarter. The goal of 3% is the target that Donald Trump set for US economic growth and backed up by economists hired by the White House. Three percent is .01 percent higher than the fourth quarter growth numbers of 2.9. Any uptick in growth in generally welcomed by politicians and Donald Trump is no exception to this iron rule of politics.


Trump, alongside his Republican allies in Congress, have claimed that tax cuts and lessened regulation are to credit for the recent uptick in economic activity. They credit rolling back health and environmental regulations put in place during the Obama years with increasing economic growth. They are counting on continued and sustained economic growth until the midterm elections happen in November.


The tax cuts enacted earlier this year totaled roughly 1.5 trillion dollars. In addition, Trump and Republicans drastically increased domestic spending. This should give us solid economic growth for the next few years but economists are predicting a downturn to begin sometime in 2021 or 2022.


US Bank Stocks Pull Back

Shares of some of the major financial companies dropped on the heels of some dovish comments by some of the major banks on Monday.


Bank of America and JPM Morgan Chase announced that earnings in Q2 will be muted and believe that the total revenue earned for the 2018 year will be flat from the prior year. Daniel Pinto, the head of JP Morgan Chase announced this prediction for the year which helped to temper the run on stocks in financials and other companies.


Pinto provided some additional insight into the flat earnings prediction. He predicted that the core earnings of JP Morgan Chase would grow in the single digits, but that minor growth would be offset by other items. Pinto noted some positive headway in terms of growing interest rates that come on the back of rising interest rates from the Federal Central Bank, rising commodity prices, and improvement in the corporate credit business. The bank did have a major write-off of about $100 million on its fixed income unit.


The Head of Banking at Bank of America, Alastair Borthwick indicated that he couldn’t predict the remainder of the year, though he does see that companies tend to be gaining optimism for the macro economy, which is typically a good sign.


The flat revenue target came as a big disappointment to investors who were expecting that these stocks and companies would grow as a result of an overall growth of the economy. Other factors can also harm banks such as a decreased need to borrow money on the back of tax relief for businesses, which leave them flush with cash and decrease their need to borrow domestically to avoid repatriating foreign sourced cash.


Both Bank of America and JP Morgan Chase were down on the news. Both of these stocks decreased by approximately 5% on Tuesday. These bank stocks have been flat for 2018 after bouncing back from the lows in 2009 and recovering to prices that are close to their pre-crash highs.


Investors seem to be increasingly anticipating a pull back in these financial stocks and the lack of optimism and price reduction may end up being a positive thing for the larger market which may need to consolidate before reaching new heights.