Rate cuts by year-end

• Fed: 20 bps (81% probability of rate cut at the upcoming meeting)

2025: 75 bps

• ECB: 34 bps (62% probability of 25 bps rate cut at the upcoming meeting)

2025: 145 bps

• BoE: 4 bps (85% probability of no change at the upcoming meeting)

2025: 56 bps

• BoC: 33 bps (67% probability of 25 bps rate cut at the upcoming meeting)

2025: 95 bps

• RBA: 2 bps (92% probability of no change at the upcoming meeting)

2025: 40 bps

• RBNZ: 55 bps (80% probability of 50 bps rate cut at the upcoming meeting/20% for a 75 bps cut)

2025: 170 bps

• SNB: 32 bps (72% probability of 25 bps rate cut at the upcoming meeting)

2025: 70 bps

Rate hikes by year-end

• BoJ: 13 bps (51% probability of 25 bps rate hike at the upcoming meeting)

2025: 44 bps

*where you see 25 bps rate cut, the rest of the probability is for a 50 bps cut

Asia-Pacific markets traded mixed on Thursday after the U.S. October consumer price index reading reinforced expectations that the Fed would cuts rates again in December. The CPI came in line with expectations, accelerating slightly to an annual inflation rate of 2.6%. Core CPI, which straps out…

Consumer Price Index inflation increased 0.2% in October for an un-adjusted annual rate of 2.6%, meeting expectations, according to the Bureau of Labor Statistics.

After a year of success, Myles Smith has been named BBC Introducing's Artist of the Year.

Half the respondents said that they either hadn’t seen any gains or the returns had fallen short of their expectations in augmenting, assisting, or automating current processes or operation

James Middleton, Founder and CEO at Street Stream explores customer expectations and what it means for food delivery at Post&Parcel Live: The Food Delivery Seminar.

Nicole Mazza, Head of Business Development at Stuart explores optimising your delivery and what it means for food delivery at Post&Parcel Live: The Food Delivery Seminar.

Bettermile, a Berlin-based provider of last-mile delivery software-as-a-service (SaaS), today announced the findings of its latest study, The State of Last Mile Tracking in the USA.

1. Annual inflation rate hit 2.6% in October, meeting expectations  CNBC
2. Live: Analysis of US CPI Report for October  Bloomberg
3. Right before the election, inflation rose to 2.6 percent annual rate  The Washington Post
4. CPI Report: Live Updates on Inflation  The New York Times

Don't Let Expectations Define You (w/ Fr. Seraphim Aldea)

On this Sunday of the Forefathers and the feast of St. Herman of Alaska, Fr. Andrew talks about their preparation before us and how we also can prepare for the Nativity and for the fulfillment of all man's hopes.

Multi-criteria inventory classification (MCIC) is popularly used to aid managers in categorising the inventory. Researchers have used numerous mathematical models and approaches, but few resorted to unsupervised machine-learning techniques to address MCIC. This study uses the expectation-maximisation (EM) algorithm to estimate the parameters of the Gaussian mixture model (GMM), a popular unsupervised machine learning algorithm, for ABC inventory classification. The EM-GMM algorithm is sensitive to initialisation, which in turn affects the results. To address this issue, two different initialisation procedures have been proposed for the EM-GMM algorithm. Inventory classification outcomes from 14 existing MCIC models have been given as inputs to study the significance of the two proposed initialisation procedures of the EM-GMM algorithm. The effectiveness of these initialisation procedures corresponding to various inputs has been analysed toward inventory management performance measures, i.e., fill rate, total relevant cost, and inventory turnover ratio.

Aim/Purpose: This study aims at investigating the factors that influence students’ continuous intention to use Moodle, as an exemplar of learning management systems (LMSs), in the post-adoption phase. Background: Higher education institutions (HEIs) have invested heavily in learning management systems (LMSs), such as Moodle and BlackBoard, as these systems enhance students’ learning and improve their interactions with the educational systems. While most studies on LMSs have focused on the pre-adoption or acceptance phases of this technology, the determinant factors that influence students’ continuance intention to use LMSs have received less attention in the information systems (IS) literature. Methodology: The theoretical model for this study was primarily drawn from the expectation-confirmation model (ECM). A total of 387 Kuwaiti students, from a private American University in the State of Kuwait, participated in this study. Partial least squares (PLS) was employed to analyze the data. Contribution: This study contributes to the existing scientific knowledge in different ways. First, this study extends the expectation confirmation model (ECM) by integrating factors that are important to students’ continuous intention to use LMSs, including system interactivity, effort expectancy, attitude, computer anxiety, self-efficacy, subjective norms, and facilitating conditions. Second, this study adds on a Kuwaiti literature context by focusing on the continuous intention to use LMSs, which is, to the best of our knowledge, the first study that extends and empirically assesses the applicability of the ECM in the LMSs context in a developing country – Kuwait. Third, this study conceptually and empirically differentiates between satisfaction and attitude, as two separate affect constructs, which were taken as interchangeable factors in ECM, and were disregarded by a large number of prior ECM studies concerned with continuous use intention. Finally, this study aims to assist HEIs, faculty members, and systems’ developers in understanding the main factors that influence students’ continuance use intention of LMSs. Findings: While subjective norms were not significant, the results mainly showed that students’ continuous intention to use Moodle is significantly influenced by performance expectancy, effort expectancy, attitude, satisfaction, self-efficacy and facilitating conditions. The study’s results also confirmed that satisfaction and attitude are two conceptually and empirically different constructs, conflicting with the views that these constructs can be taken as interchangeable factors in the ECM. Recommendations for Practitioners: This study offers several useful practical implications. First, given the significant influence of system interactivity on performance expectancy and satisfaction, faculty members should modify their teaching approach by enabling communication and interaction among instructors, students, and peers using the LMS. Second, given the significant influence of performance expectancy, satisfaction, and attitude on continuous intention to use the LMS, HEIs should conduct training programs for students on the effective use of the LMS. This would increase students’ awareness regarding the usefulness of the LMS, enhance their attitude towards the LMS, and improve their satisfaction with the system. Third, given the significant role of effort expectancy in influencing performance expectancy, attitude, and students’ continuous intention to use Moodle, developers and system programmers should design the LMS with easy to use, high quality, and customizable user interface. This, in turn, will not only motivate students’ performance expectancy, but will also influence their attitude and continuous intention to use the system. Recommendation for Researchers: This study conceptually and empirically differentiates between satisfaction and attitude, as two separate affect constructs, which were taken as interchangeable factors in ECM and were disregarded by a large number of prior ECM studies concerned with continuous use intention. Hence, it is recommended that researchers include these two constructs in their research models when investigating continuous intention to use a technology. Impact on Society: This study could be used in other countries to compare and verify the results. Additionally, the research model of this study could also be used to investigate other LMSs, such as Blackboard. Future Research: This study focused on how different factors affected students’ continuous intention to use Moodle but did not consider all determinants of successful system, such as system quality, information quality, and instructional as well as course content quality. Thus, future research should devote attention to the effects of these quality characteristics of LMS.

Aim/Purpose: The main aim of this study is to identify the factors that influence the continuance intention of use of innovative systems by non-academic employees of a private university and associated academic institutions in Bangladesh. Background: The targeted academic institutions have introduced many new online services aimed at improving students’ access to information and services, including a new online library, ERP or online forum, and the jobs-tracking system (JTS). This research is focused only on the JTS for two reasons. First, it is one of the most crucial systems for the Daffodil Family, as it enables efficient working across many institutes spread across the country and abroad. Second, it is employed in a wide variety of organisational institutes, not just the university. This study aims to discover negative factors that lead to a decrease in users’ intentions to continue using the system. The ultimate goal is to improve the motivation among administrative staff to use technology-related innovation by reducing or eliminating the problems. Methodology: G* power analysis was employed to determine the expected sample size. A questionnaire survey was conducted of 211 users of a new job tracking system from a private university in Bangladesh, to collect data for testing the suggested research model. The data was analysed using the structural equation technique, which is a powerful multivariate analysis mechanism. Contribution: This research contributes to the body of literature and helps better understand users’ continuance intention in the post-implementation phase of the JTS. It complements the micro-level examinations of continuance intention of using IT, by building on our understanding of the phenomenon at the individual level. Specifically, this study examines the role of technostress where organisations invest in IT to make their users more comfortable with innovative and new technologies like the JTS. Findings: This research develops a theoretical advancement of the expectation-confirmation theory, with implications for IT managers and senior management dealing with IT-related behaviour. All proposed hypotheses were supported. Specifically, the predictors of exhaustion – work overload, work–life balance, and role ambiguity – are significant. The core factors for satisfaction, perceived usefulness, and confirmation, are also found to be significant. Finally, satisfaction and exhaustion significantly influence continuance intention, in both positive and negative ways. Recommendations for Practitioners: This study gives an idea about some of the difficulties that people face when implementing new and innovative IT, particularly in academia in Bangladesh. It offers insights into strategies the management may want to follow when implementing new technology like the JTS. This study suggests strategies to increase satisfaction and reduce technostress among new users to enhance organisational support for change. Recommendation for Researchers: Methodologically, the study provides researchers about the technique that reduces the threat of the common method bias. First, it created a psychological separation between criterion and predictor variables. Second, the threat of common method variance was actively controlled by modelling a latent method factor and by using marker variables that researchers can use in their work. This study complements the micro-level examinations of continuance intention of using IT by building on our understanding of the phenomenon at the individual level. Researchers can extend this model by integrating other theories. Impact on Society: The findings of the study indicate that work overload, work–life conflict, and role ambiguity create tiredness, leading to lower user satisfaction with the system. Perceived usefulness and confirmation have an increasingly similar effect on users’ satisfaction with the system and their subsequent continuance intention. These findings tell university administrators what measures they should take to improve continuance intention of using innovative technology. Future Research: Future studies could conceptualise a five-factor personality model from the personal perspective of users. This model can also be extended by including the dimensions of absorptive capacity, i.e., the dynamic capabilities of users. Absorptive capacity of understanding, assimilating, and applying might influence the user’s perception of usefulness and confirmation of using JTS.

In this paper, two hypothetical frameworks are proposed through the application of quality function deployment (QFD) to integrate the current institutional level and program level student learning focus areas with the relevant institutional and program specific stakeholder expectations. A generic skillset proficiency expected of all the graduating students at the institutional level by the stakeholders is considered in the first QFD application example and a program specific knowledge proficiency expected at the program level by the stakeholders is considered in the second QFD application example. Operations management major/option is considered for illustration purposes at the program level. In addition, an assurance of learning based approach rooted in continuous improvement philosophy is proposed to align the stakeholder expectations with the relevant student learning outcomes at different learning tiers.

Privacy: Ross Ulbricht handed in his appeal to the U.S. Supreme Court last week, highlighting an important Analog Equivalent Privacy Right in the process: Just because you’re using equipment that makes a third party aware of your circumstances, does that really nullify any expectation of privacy?

In most constitutions, there’s a protection of privacy of some kind. In the European Charter of Human Rights, this is specified as having the right to private and family life, home, and correspondence. In the U.S. Constitution, it’s framed slightly differently, but with the same outcome: it’s a ban for the government to invade privacy without good cause (“unreasonable search and seizure”).

U.S. Courts have long held, that if you have voluntarily given up some part of your digitally-stored privacy to a third party, then you can no longer expect to have privacy in that area. When looking at analog equivalence for privacy rights, this doctrine is atrocious, and in order to understand just how atrocious, we need to go back to the dawn of the manual telephone switchboards.

At the beginning of the telephone age, switchboards were fully manual. When you requested a telephone call, a manual switchboard operator would manually connect the wire from your telephone to the wire of the receiver’s telephone, and crank a mechanism that would make that telephone ring. The operators could hear every call if they wanted and knew who had been talking to whom and when.

Did you give up your privacy to a third party when using this manual telephone service? Yes, arguably, you did. Under the digital doctrine applied now, phonecalls would have no privacy at all, under any circumstance. But as we know, phonecalls are private. In fact, the phonecall operators were oathsworn to never utter the smallest part of what they learned on the job about people’s private dealings — so seriously was privacy considered, even by the companies running the switchboards.

Interestingly enough, this “third-party surrender of privacy” doctrine seems to have appeared the moment the last switchboard operator left their job for today’s automated phone-circuit switches. This was as late as 1983, just at the dawn of digital consumer-level technology such as the Commodore 64.

This false equivalence alone should be sufficient to scuttle the doctrine of “voluntarily” surrendering privacy to a third party in the digital world, and therefore giving up expectation of privacy: the equivalence in the analog world was the direct opposite.

But there’s more to the analog equivalent of third-party-service privacy. Somewhere in this concept is the notion that you’re voluntarily choosing to give up your privacy, as an active informed act — in particular, an act that stands out of the ordinary, since the Constitutions of the world are very clear that the ordinary default case is that you have an expectation of privacy.

In other words, since people’s everyday lives are covered by expectations of privacy, there must be something outside of the ordinary that a government can claim gives it the right to take away somebody’s privacy. And this “outside the ordinary” has been that the people in question were carrying a cellphone, and so “voluntarily” gave up their right to privacy, as the cellphone gives away their location to the network operator by contacting cellphone towers.

But carrying a cellphone is expected behavior today. It is completely within the boundaries of “ordinary”. In terms of expectations, this doesn’t differ much from wearing jeans or a jacket. This leads us to the question; in the thought experiment that yesterday’s jeans manufacturers had been able to pinpoint your location, had it been reasonable for the government to argue that you give up any expectation of privacy when you’re wearing jeans?

No. No, of course it hadn’t.

It’s not like you’re carrying a wilderness tracking device for the express purpose of rescue services to find you during a dangerous hike. In such a circumstance, it could be argued that you’re voluntarily carrying a locator device. But not when carrying something that everybody is expected to carry — indeed, something that everybody must carry in order to even function in today’s society.

When the only alternative to having your Constitutionally-guaranteed privacy is exile from modern society, a government should have a really thin case. Especially when the analog equivalent — analog phone switchboards — was never fair game in any case.

People deserve Analog Equivalent Privacy Rights.

Until a government recognizes this and voluntarily surrenders a power it has taken itself, which isn’t something people should hold their breath over, privacy remains your own responsibility.

A Parks Associates white paper reveals that most residential security owners prioritize fast and reliable response times when choosing their systems, while highlighting the challenges and innovations security providers face to meet these expectations.

Abstract Purpose Over recent years, expectations for bystanders to intervene to interrupt or prevent domestic violence have increased. However, the extent of these expectations and the ways in which bystanders are supported to uphold these expectations remain ambiguous. Drawing on a scoping review methodology, this study aims to map the bystander expectations and advice contained […]

The post Global Expectations for Bystander Intervention in Domestic Violence: A Scoping Review of Governmental Policies and Community Resources in Eight Countries was curated by information for practice.

It has published 82 statements covering the knowledge, skills and behaviours the regulator believes that newly qualified social workers should possess at the point of registration to enable them to meet its professional standards. Social Work England consulted on the statements in 2022.

The post Social Work England sets out expectations of graduates joining profession was curated by information for practice.

The Columbus Blue Jackets start a new season Thursday night. The Jackets open the season at home inside Nationwide Arena against the Boston Bruins, and expectations are down following a 2015-2016 season that ended with the Jackets as one of the league's worst teams.

Source: Scott Searle 11/08/2024

Gogo Inc. (GOGO:NASDAQ) reported its Q3/24 financial results, and they slightly exceeded expectations, reported Scott Searle, managing director at Roth MKM, in a Nov. 5 research note.

The company provides in-flight connectivity services to business aviation markets through its North American terrestrial air-to-ground network.

137% Potential Return

Roth maintained its target price of US$15.50 per share on Gogo, noted Searle.

"We believe this provides a reasonable 12-plus-month target given the expected impact from two major new product cycles as we enter 2025," he wrote, referring to Galileo, the company's global inflight broadband service, and its 5G product line.

In comparison, the company's share price at the time of the report was about US$6.55 per share. From this price, the return to target reflects 137% upside.

Gogo remains a Buy.

Quarter's Highlights

Searle reported that Gogo's Q3/24 service revenue was a beat. At US$81.9 million (US$81.9M), it was slightly higher than that in Q2/24 and driven by modestly better-than-expected aircraft online, Searle reported. This revenue exceeded Roth's estimate by about US$300,000.

Also of note, Galileo is on track to launch in Q4/24, and Gogo continues to grow its portfolio of supplemental type certificates and partners around the world.

A Look Ahead

Gogo's outlook for 2024 of US$400-410M encompasses consensus' estimate, noted Searle. The company, though, has "pulled long-term guidance ahead of the Satcom Direct [acquisition] closing."

Roth expects Galileo and 5G will lead recovery, expected in late 2025.

In other news, noted Searle, Gogo Chairman and Chief Executive Officer Oakleigh Thorne will present at Roth's NYC Tech Event on Nov. 20.

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Disclosures for Roth MKM, Gogo Inc., November 5, 2024

Regulation Analyst Certification ("Reg AC"): The research analyst primarily responsible for the content of this report certifies the following under Reg AC: I hereby certify that all views expressed in this report accurately reflect my personal views about the subject company or companies and its or their securities. I also certify that no part of my compensation was, is or will be, directly or indirectly, related to the specific recommendations or views expressed in this report.

Disclosures: ROTH makes a market in shares of Gogo, Inc. and as such, buys and sells from customers on a principal basis.

ROTH Capital Partners, LLC expects to receive or intends to seek compensation for investment banking or other business relationships with the covered companies mentioned in this report in the next three months. The material, information and facts discussed in this report other than the information regarding ROTH Capital Partners, LLC and its affiliates, are from sources believed to be reliable, but are in no way guaranteed to be complete or accurate. This report should not be used as a complete analysis of the company, industry or security discussed in the report. Additional information is available upon request. This is not, however, an offer or solicitation of the securities discussed. Any opinions or estimates in this report are subject to change without notice. An investment in the stock may involve risks and uncertainties that could cause actual results to differ materially from the forward-looking statements. Additionally, an investment in the stock may involve a high degree of risk and may not be suitable for all investors. No part of this report may be reproduced in any form without the express written permission of ROTH. Copyright 2024. Member: FINRA/SIPC.

( Companies Mentioned: GOGO:NASDAQ, )

A new report from the National Academies of Sciences, Engineering, and Medicine finds K-12 teachers face new expectations and more demands from policymakers, parents, students, and schools, including addressing changes in curriculum standards, the emergence of more explicit teaching goals, and shifts in what it means to support all students in their development.

The Killer Brownie Co. discusses the benefits of its new sanitary constructed, single tray dual lane product turning conveyor required to rotate single lane brownie containers 90°.  

The trends that shape our industry are changing at a faster pace than ever before.

A ‘differentiation standard’ can help you stand out from the rest as a top contractor.

Expectations drive both the leader and follower. Various forms of research suggest that when leaders have higher types of expectations for their followers, those followers often live up to the expectations.

A Reboot is in the Works

US stocks have been on a roll since Donald Trump's victory. A bullish investment chief shared three concerns that investors should keep their eyes on.

There are many myths revolving around Gen Z and how they use tech. Time to take a look at actual behavior patterns that go beyond heavy use of social media. Part of [Smart Interface Design Patterns](https://smart-interface-design-patterns.com) by yours truly.

    Software testing is a critical component of the software development process. It ensures that software is developed with the highest quality and reliability possible. It lets developers identify and fix bugs before software release.  A comprehensive test plan is an essential part of any software testing project. The test plan should include all […]

The post Benefits of End-To-End Testing That Will Match Company Expectations appeared first on 404 Tech Support.

The Federal Reserve raised interest rates to get inflation under control. One side effect is that taking out a mortgage to buy a home has gotten very expensive. That's especially a problem for some homeowners who managed to get a lower mortgage rate years ago. They have a sort of... champagne problem. Or, "golden handcuffs" as it's called.

These homeowners may find they are "locked in" to their current home. In order to move to a new home, they have to take out a new mortgage at a much higher rate. It is one of the many problems plaguing the housing market right now.

The Fed is expected to start cutting rates next week. Will the golden handcuff mess finally start to unlock? And what does it mean for people looking to buy their first home?

On today's episode: We go deep into the golden handcuff problem and why it matters for everyone (including non-homeowners). We have FOMO about a big economic symposium in Jackson Hole, Wyoming. And we contemplate how to pronounce one of the most important interest rates in the economy: The IORB.

This episode was hosted by Kenny Malone and Alexi Horowitz-Ghazi. It was produced by Sean Saldana. It was edited by Jess Jiang and fact-checked by Sierra Juarez. Engineering by Cena Loffredo. Alex Goldmark is Planet Money's executive producer.

Help support Planet Money and hear our bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney.

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Resources on this new adaptation of Dickens’ classic explore the novel’s key ideas in the context of this new film production. Suitable for 13-19 English, media and film studies

More info on the preview screening and Q&A Film Education held as part of Film Week 2012

• One year inflation expectations 2.9% versus 3.0% last month. That is the lowest in four years
• Three-year inflation expectations 2.5% versus 2.7% last month
• Five-year inflation expectations 2.8% versus 2.9% last month

other details :

• Consumers in October saw lower likelihood of missing a minimum debt payment for the first time in five months
• Consumers in October saw lowest likelihood of a rising US unemployment rate over the next year since February 2022
• Consumers saw lower chance of losing current job and improved prospects for finding a new job if current job were lost
• Unemployment expectations decline to 34.5%, lowest since February 2022
• Probability of finding a job increase the highest level since October 2023

This is good news is inflation expectations help to keep a lid on actual inflation. Nevertheless yields remain near highs for the day.

• 2 year 4.321%, +6.7 basis points
• 5-year 4.281%, +8.9 basis points
• 10 year 4.390%, 8.2 basis points

US stocks are lower:

• Dow -0.38%
• S&P -0.33%
• NASDAQ -0.14%

The US CPI will be released tomorrow at 8:30 AM ET. What is expected?

• October Headline CPI expected to rise by 0.2% MoM, which is the same as last month. The forecasted range is 0.1 to 0.3%.
• YoY Headline CPI expected to increase to 2.6%, up from 2.4%, with a forecast range of 2.3 to 2.6%. A change of 0.0% will fall out of the YoY calculation this month.
• Core CPI projected to rise 0.3% MoM and 3.3% YoY, matching the previous month. The forecast range is 0.2 to 0.3% MoM and 3.2 to 3.4% Y/Y. A year ago, a gain of 0.2% falls out of the calculation.

The US PPI will be released on Thursday with the expectations of 0.2% for the MoM headline and 0.3% for the core measure.

Fed's Barkin this morning on inflation kept it simple saying::

• Inflation might be coming under control or might risk getting stuck above Fed 2% target.

Kashkari had more to say about inflation today with different influences. He said.

• Uncertainty exists around the impact of new government policies on inflation.
• A one-time tariff increase is transitory but could become a sustained issue if it escalates, introducing inflation risks.
• Immigration policy changes could have a significant effect on inflation, but the outcome is uncertain.
• Inflation from new leases will take a couple of years to work through the system.
• Housing inflation is expected to return to normal levels, but it may take a year or two.
• If inflation surprises to the upside before December, it may affect policy decisions.
• Current long-term yield increases don’t seem to reflect heightened inflation expectations.
• Higher productivity could suggest a higher neutral rate, potentially influencing future rate cuts.

His mental strength will need to be stronger than ever going forward. Scheffler has the Presidents Cup in two weeks, a title to defend in the Bahamas at the Hero World Challenge after Thanksgiving and then it’s on to 2025.

AstraZeneca beats expectations and raises guidance despite China troubles

Is Comet Tsuchinshan-ATLAS falling apart? How bright will it likely get? We try to answer those questions and more.

The post Status Report and Expectations for Comet Tsuchinshan-ATLAS appeared first on Sky & Telescope.

Don't panic! Here's how to tactfully answer salary expectations questions without costing yourself a ton of money (updated for 2020)

African leaders may have been quick to congratulate Donald Trump on his election, professing a desire for mutually beneficial partnerships, but there are meager expectations that his presidency will change things for this continent of over 1.4 billion people. In the wake of Trump's win, Kenya's…

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