Can Credit Growth and The Yield Curve Predict Financial Crises?
A new ECB working paper demonstrates that machine‑learning models, especially tree‑based ensembles, beat logistic regression in forecasting financial crises across 17 countries from 1870 to 2016. The study identifies prolonged domestic credit growth and a flat or inverted yield curve as the most consistent early‑warning indicators. Using Shapley values, the authors unpack each predictor’s economic contribution, confirming that these two variables drive the models’ superior performance. The findings suggest that combining credit and yield‑curve data with advanced analytics can flag crises earlier than traditional methods.
7 NotebookLM Prompts That Replace Hours of Small Business Busywork (2026)
NotebookLM lets small‑business owners upload competitor PDFs, website URLs, and marketing decks, then ask the AI to synthesize a side‑by‑side analysis of pricing, services, and positioning. The tool draws only from the uploaded files, providing answers with clickable citations that...
Meta Pixel Glitch Causes Missing Subscribe Events
Anyone experiencing Meta pixel issues in the last ~36 hours, what are you seeing/experiencing? For example, I'm seeing zero Subscribe events for a client showing in Events Manager, they're using LittleData + Segment, but we have other similarly setup events that...
One Health System CIO's Vision for Harnessing AI with Cybersecurity
Catawba Valley Health System’s CIO Nadin Knippschild says the organization must harness AI to improve efficiency while simultaneously strengthening cybersecurity as it moves more services to the cloud. She notes that nearly 37% of U.S. hospitals operate at a loss...
How Boutique Hotels Stand Out with Creative Content Marketing
Boutique hotels leverage their unique personality to stand out in a market dominated by price‑driven chains. By deploying creative content marketing, they can showcase local experiences, historic charm, and staff stories that resonate with travelers. Effective content reduces reliance on...
New Inheritance Tax Rules for Businesses and Farmers Come Into Force – Will Your Family Be Worse Off?
From 6 April 2024 the UK government’s revised inheritance‑tax regime limits business property relief (BPR) and agricultural property relief (APR) to £2.5 million (about $3.2 million) per person, with any value above taxed at 20% after the standard 40% rate. Married couples can...
LaFleur and Trafigura Enter Into Term Sheet for C$30 Million Prepayment Facility and Gold Offtake Agreement
LaFleur Minerals has signed a term sheet with Trafigura Canada for a non‑dilutive prepayment facility of up to C$30 million (≈US$22 million) and a gold doré offtake agreement to fund the restart and expansion of its Beacon Gold Mill in Val‑d’Or, Québec....
Top 4 Open-Loop Commercial Prepaid Loads
Javelin Strategy & Research’s 2026 State of the Industry report shows that U.S. open‑loop commercial prepaid cards processed $232 billion in loads in 2025, led by government programs ($98 B) followed by HSA/FSA accounts ($78 B). The market, once a niche spend‑control tool,...
A Tax Day Cash Drain Is Coming for Calm US Funding Markets
Wall Street strategists expect the Treasury’s cash balance to top $1 trillion after April 15 tax payments, the highest level since October. The surge of cash withdrawals from banks and money‑market funds is already nudging overnight repo rates above 3.7%. At the...
Sports on TV: The Public Already Paid; Why Are Fans Paying Again?
The U.S. Department of Justice has opened an antitrust inquiry into the NFL’s television‑rights strategy, questioning whether the league’s bundling and platform‑splitting practices limit competition. At the same time, fans are facing a fragmented streaming ecosystem that can cost $1,000...
Spring Hotels Joins Downe Travel to Celebrate Agency Milestone
Spring Hotels partnered with Northern Ireland’s Downe Travel to mark the agency’s 35th anniversary, launching a two‑month sales drive that promoted Tenerife bookings. The campaign offered a seven‑night stay for two at one of Spring Hotels’ three flagship Tenerife properties....
Rapid Development Outpaces Adoption; Marketing Becomes Critical
I was a guest on a podcast recently and we got into something I’ve been thinking about a lot. Building is faster than ever, but customers can’t absorb change at the same pace. That gap is where adoption breaks, and it’s...
Why Your Google Ads Aren’t Getting Clicks
Google Ads can fail to generate clicks for several avoidable reasons. Using overly broad or irrelevant keywords prevents ads from reaching the right audience, while generic ad copy offers no compelling reason to click. Low bids keep ads off prime...
The Enrichment Stack that Actually Works: Why GTM Teams Are Running Clay and Openprise Together
GTM teams are pairing Clay’s rapid prospect‑list building with Openprise’s data‑orchestration to turn enriched leads into clean, usable records. SDRs use Clay to pull from multiple sources, enrich, and export lists in minutes, while Openprise automatically deduplicates, standardizes job titles,...
Twitch Streamlines Prime Subscriptions to Two Clicks
Twitch is testing an easier way to Subscribe with Prime. On click, it will confirm you want to use your Prime. This effectively reduces the flow to two clicks.
Cold Outreach for Hotel Sales: What to Say (and What to Avoid)
Cold outreach remains a pain point for hotel sales reps, but research shows 82% of buyers will accept a meeting when approached proactively. Most outreach fails because reps write for themselves instead of the prospect. The article advises leading with...
Personal Liquidity Becomes Valuable as Your Company Grows
Founders often ask us if it's bad for them to take personal liquidity as part of a transaction. Early on in your business, it might not make as much sense for an investor to provide liquidity, but as your enterprise...
Iberdrola Reaches 400MW in Italy with Acquisition of Lazio Solar Plant
Iberdrola is acquiring a 42 MW solar PV plant in Lazio, Italy, raising its Italian solar portfolio to 400 MW. The newly bought asset, commissioned less than six months ago, is covered by long‑term power purchase agreements that guarantee stable cash flows....
A Six-Figure Order and a Runway for Growth: How Thomas Helps OSE Optics Connect With the Right Customers
OSE Optics, a precision optics maker, partnered with the Thomas industrial marketplace to overhaul its brand and launch an SEO‑optimized website. The revamp lifted the company from a single website inquiry in five years to a steady stream of high‑quality...
Supporting the U.S. Economy
CSX is leveraging its rail network to support U.S. re‑industrialization through its Select Sites® program, which certifies rail‑ready industrial properties. Since its 2012 launch, the initiative has grown to 80 certified sites across a dozen states, adding 21 new locations...
India’s Unemployment Rate Edges up to 5.1% in March as Urban Joblessness Rises
India’s overall unemployment rate edged up to 5.1% in March 2026, driven by a rise in urban joblessness that reached 6.8%—a 0.2‑point increase from February. Rural unemployment remained virtually flat at 4.3%. The Periodic Labour Force Survey also showed a...
AI Commoditizes Tweets; Brand Strategy Remains Premium
Great take. I think specifically, as AI evolves and expands, hyper-specific knowledge (and in that lies taste), is what clients will pay for, rather than just "tweets written for you" which used to work well before AI. Example: One of the things I...
Anisa Hamid
Anisa Hamid has been appointed Executive Assistant at The Or Foundation. She brings a decade of experience managing complex organizational systems and supporting high‑performing teams. Hamid is currently pursuing an MSc in Logistics and Supply Chain Management to deepen her...
Clone Your Voice, Automate Your Marketing: A Claude Tutorial
The post shows how small businesses, despite inflation‑driven cost pressures, are increasing marketing spend and can automate that effort with Claude AI. By using a Voice Extraction Protocol and a Framework Runner, owners can clone their own tone, apply proven...
How To Not Inherit The Previous Revenue Manager’s Mistakes
When a new revenue manager steps into a hotel, they face two simultaneous pressures: delivering immediate financial results and climbing a steep learning curve about the property’s legacy decisions. The article from Lighthouse warns that many newcomers focus solely on...
REPAY Issues Statement on Veradace Partners’ Letter and Reiterates Commitment to KUBRA Acquisition
Repay Holdings issued a formal response to a letter from activist investor Veradace Partners, reaffirming its commitment to acquire KUBRA. The board highlighted that the transaction will expand Repay’s bill‑payment capabilities, deepen recurring non‑discretionary payment flows, and broaden enterprise client...
S&P 500 Rebounds, Ignoring War, Oil, Inflation
the s&p 500 has fully recovered to pre-iran war levels. the strait of hormuz is still effectively closed, disrupting global supply chains. oil is still near $100. inflation just hit a three-year high. the market has decided none of that...
Law Firm Salaries so High, Can They Play Shortstop?
At these $ figures, my only question is can anyone at Kirkland or Latham in New York play short stop?
Citi, Wells, PNC CEOs Dismiss M&A Likelihood
Citi CEO Jane Fraser told investors on the first‑quarter earnings call that the bank is "crystal clear" about focusing solely on organic growth, dismissing recent speculation about a regional‑bank acquisition. Wells Fargo and PNC CEOs echoed the same stance, saying M&A...
Infinite Compute Demand Keeps Ailbirds Perpetually Undervalued
if demand for compute is basically infinite, ailbirds isn't even close to fully valued here and never will be https://t.co/QaRr1LZGs6
Half of Employees Plan to Quit Despite Reported Engagement
Despite being ‘engaged’ at work, nearly half of employees plan to quit @HR_Exec https://t.co/7rsdPXZwrI #HCM #HRM #HumanResources #HRTech #CHRO #FutureofHR
The Islamic Republic of Iran Should Be Held Accountable for Aiding Russia’s Crimes Against Ukraine
The United States and allied nations are urging that Iran be held criminally liable for supplying Shahed‑style drones to Russia, which have been used to strike Ukrainian civilians and infrastructure. Evidence shows Tehran has produced, exported, and trained Russian operators...
LaChina Robinson, Sarah Kustok to Join NBC Sports WNBA
Glass Break: LaChina Robinson and Sarah Kustok are expected to be analysts for the WNBA on NBC Sports https://t.co/DDbzMr1ZmZ
Chinese Navy Escorting Iranian Oil Tests US Resolve
What happens if the Chinese navy escorts its purchases of Iranian oil out of the Gulf? Does the U.S. fire—or fold? That’s the risk baked into this blockade. #Oil #Geopolitics #Energy https://t.co/E9QhehmmvD
Talon.One Releases Integration With Adobe Experience Platform to Power Real-Time Loyalty and Promotions for Enterprise Brands
Talon.One, the incentives platform behind more than 300 enterprise brands, has launched a native integration with Adobe Experience Platform (AEP). The connector links Talon.One to Adobe Real‑Time CDP and Journey Optimizer, allowing loyalty and promotion logic to run instantly across...
Let an LLM Review Your Taxes Before Signing
Happy almost tax day. FYI: The most dollar-denominated impactful thing I've ever done for geeks, by sum of claims in my inbox, is the piece on salary negotiation. The second most impactful, rising fast, is "Have an LLM review your taxes before...
Only a Fraction of 73M Eligible Men Bet Regularly
1) With few exceptions, people 18-20 can't have sportsbook accounts with the brands mentioned 2) There are roughly 73m US men age 18-49, yet only about 10m monthly active legal sportsbook users. While half this demo may have signed up, a...
Acumatica Acquires CoreChain Technologies to Offer Embedded Supply Chain Financing
Acumatica announced the acquisition of CoreChain Technologies, though financial terms remain undisclosed. The deal embeds CoreChain’s blockchain‑based B2B payment and supply‑chain financing capabilities directly into Acumatica Cloud ERP. CoreChain, which has processed more than $1 billion in B2B transactions, offers a...
Four Questions to Know When to Delegate Decisions
Should You Delegate That Decision? Ask These 4 Questions - https://t.co/ZYqetPMEAZ - https://t.co/1oObzNjeuR - by Cheryl Strauss Einhorn
Pershing Square Admits Nike Turnaround Far Tougher than Anticipated
Pershing Square: "With Nike, we did not understand how much the prior CEO had really damaged the business, and how heavy the turnaround was going to be." https://t.co/YaLEkVXfp1
Kroenig Interviewed on CNN on the Blockade of the Straight of Hormuz
Atlantic Council Vice President Matthew Kroenig appeared on CNN on April 14 to discuss the United States’ decision to block the Strait of Hormuz. He framed the move as a strategic deterrent aimed at curbing Iran’s hostile behavior in the...
Learn Loyalty and Performance From Your Top Fans
What Companies Can Learn from Their Biggest Fans - Your most devoted employees and customers have a lot to teach you about loyalty and performance. https://t.co/z3RY6cmPTp #leadership https://t.co/LPZjbqPDpr
Personal Intelligence Rollout May Reshape Search Result Algorithms
Added the (near) global rollout of Personal Intelligence to my algo update list. This could significantly change how search results are presented. https://t.co/0KdmuSXKw2 https://t.co/QKbuYQWBNQ https://t.co/23VgzTcOCi
Signal Labs: Building Attention Infrastructure
Lightspeed Venture Partners announced it will lead the Series Seed round for Signal Labs, a startup founded by former Elevance Health and Lyric executive Raj Ronanki. The company is creating an AI‑first “attention infrastructure” that coordinates high‑volume healthcare payment signals—claims,...
Mearsheimer Claims Israel Controls U.S. Policy, Fuels Endless Conflict
Distinguished UChicago Prof. John Mearsheimer on the Israel Lobby: “The Israelis basically own us [the USA] —they’re driving our negotiating position... this conflict is going to go on and on because the Israelis want it to.” https://t.co/hd4zlmRYaX
Supply Gap Emerging as Last Hormuz Tankers Arrive
The tanker companies I spoke to last week confirmed that the last vessels that moved out of the Strait of Hormuz before the closure have reached their destinations at the end of March -- meaning the real supply gap is...
Opaque Hiring Process Prompts Job Seekers to ‘Spray and Pray,’ Monster Says
Monster’s April 10 survey of 1,006 U.S. job seekers reveals that nearly half now use a “spray and pray” approach, applying to many openings quickly due to a lack of employer feedback. Over 75% say they would be more selective...
Stadiums Don't Boost Economy; Officials Mislead Public
If you're a random person on the street who thinks stadiums have economic benefits, I forgive you: you're wrong, but your ignorance is understandable. If you're an elected official who promotes a public stadium as an economic catalyst, you're either...
US Blockade Halts Iran's Oil Shipments to China, India
"The U.S. blockade of Iranian ports has all but stopped Iran-controlled or dark-fleet tankers moving Iranian oil to importers mainly China and India." https://t.co/UXsjqOp2by
Turning Consulting Into a Product Determines Startup Success
His biggest risk wasn't demand. It was whether a consulting service could become a real product. If it couldn't be productized, the whole company would be wrong. https://t.co/ijwnhg6MLr