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How Apple's Top Secret Product Development Process Works. Many aspects of Apple’s product development process have long been shrouded in mystery.

How Apple's Top Secret Product Development Process Works

The process is discussed in a new book Inside Apple: How America’s Most Admired–and Secretive–Company Really Works, by Adam Lashinsky, which is out now. The book talks about a variety of different aspects of Apple as a company; its philosophy, its hiring process and its legendary secrecy. But Apple’s product process has held a strong fascination for many over the years as it defies long-held conventions about how it should work for companies as large as it is.

While some of these points have been revealed before, there is much here that is new to me. Lashinsky’s compact tome, which is fantastic, goes into detail on every aspect of the process and is well worth a read. This is the framework on which every Apple product development is hung: Every product at Apple starts with design. A start-up is formed. Apple New Product Process (ANPP). Products are reviewed every Monday. The EPM mafia. Media Headlines Will Lead Investors To Ruin. Economic Forecasting, 101. Economic forecasting is much easier than generally realized.Every country’s economy is measured in terms of its Gross Domestic Product, or GDP.

Economic Forecasting, 101

And, the GDP of every country is comprised of only four major parts: personal consumption expenditure, private investment, net trade and government spending. If you understand the direction in which those four parts of the economy are moving, then you know how the economy as a whole will perform. How Mutual Fund Sales Are Compensated In Canada. In Canada, most mutual funds pay what are known as ‘trailers’ to firms and advisors.

How Mutual Fund Sales Are Compensated In Canada

It is a cost that can be embedded in the MER (Management Expense Ratio) of a fund through the ‘service fee’. While there are a handful of mutual funds that do not charge a service fee (and resulting trailers), most of them do. (Note that F-Class funds represent versions of mutual funds that have the trailers stripped out of them so that they can be held in special ‘fee-based’ accounts where the service fees are charged separately.) For the funds that do have service fees, there may be five different versions of the same fund: Front-End Load, Back-End Load, No-Load, the newer Low Load (sometimes referred to as Level Load as well), and finally the F-Class versions.

Let’s examine the differences by seeing how a representative sample fund can be sold under each option. The Representative Sample Fund The manufacturer also adds a ‘service fee’. Gold and Silver Bull Market - 1970s vs. Today - Savers - Mike Maloney. The Myth of Japan’s Failure. DESPITE some small signs of optimism about the United States economy, unemployment is still high, and the country seems stalled.

The Myth of Japan’s Failure

Time and again, Americans are told to look to as a warning of what the country might become if the right path is not followed, although there is intense disagreement about what that path might be. Here, for instance, is how the CNN analyst David Gergen has described Japan: “It’s now a very demoralized country and it has really been set back.” But that presentation of Japan is a myth. By many measures, the Japanese economy has done very well during the so-called lost decades, which started with a stock market crash in January 1990. By some of the most important measures, it has done a lot better than the United States.

Japan has succeeded in delivering an increasingly affluent lifestyle to its people despite the financial crash. How can the reality and the image be so different? But the strength of Japan’s economy and its people is evident in many ways. StockChase. Stockpickr! Your Source for Stock Ideas. Commodity:Silver. Silver is a precious metal that is used in a wide array of industrial applications as well as in jewelry and photographic film.


Industrial applications (for example computers, cell phones, TV, batteries, pharmaceuticals) made up about 54% of the world’s silver fabrication demand in 2007.[1] As a whole, demand for silver has been growing faster than annual production since 1990,[2]and silver inventory has dropped 98% from 1942 to 2004, 5.9 billion oz to 115 million oz, respectively.[3] Silver is even more scarce than gold as the above ground supply of silver was about 5x less than that of gold in 2006.[4] The effect of the falling supply of silver coupled with increasing demand from the US economic slowdown has lifted silver prices to their highest point since 1981 (2007 average silver price = $13.38 /oz). Silver Uses This table gives an overview on global supply by producers and demand by industry sectors from 1999 to 2008. Natural Occurrence / Physical Properties. - Value Investing Analysis.