The Horizons Tracker

NOVEMBER 19, 2020

The researchers were tracked over a 72-month period, and their home equity was measured as the unpaid mortgage versus the market value of their primary residence. Walk away and default on the mortgage, with all of the credit rating implications.

Price 80

Price Crisis Credit Rating Sample 80

Marshall Goldsmith

SEPTEMBER 26, 2011

Q: In our company we value integrity, yet leaders - especially in marketing - are taught to "spin" to make products and services sound good to clients. This dysfunctional spinning led to countless disasters for buyers - who lost their homes and ruined their credit ratings. When is "spinning" a message a good thing?

Prahalad 110

Prahalad Credit Rating Short-term Long-term 110

Strategy Driven

SEPTEMBER 24, 2019

Most agencies have very high credit ratings, and companies can even get advanced payments from financial institutions on the future payments of government contracts (if necessary). Some of the best business advice you will receive is that your company MUST designate some resources toward selling to the government.

Marketing Strategy 10

Marketing Strategy GDP Credit Rating Marketing 10

Harvard Business Review

JULY 6, 2011

I mean "bestow fortune upon", because the super-rich have actually, while most people have gotten poorer, gotten richer during this great crisis) — headed off to hurriedly, nervously confer with their skinny-jeaned, sunglass-wearing, spiky-haired marketing droids. You know what really builds marketing synergies, and drives brand equity?

Marketing 15

Marketing Loyalty Decentralization Credit Rating 15

Harvard Business Review

NOVEMBER 12, 2013

After all, businesses sit in markets, which means they do well or poorly only compared to others in the market, as well as the market in general. In financial terms, and especially with regards to credit, governments are no different. If the government were a business, how would its credit rating look?

Credit Rating 8

Credit Rating GDP Budgeting Short-term 8

Harvard Business Review

AUGUST 11, 2011

The Securities and Exchange Commission began using the ratings issued by what they called Nationally Recognized Statistical Rating Organizations (and yes, they actually do use the acronym NRSRO) to judge whether securities firms' balance sheets were solid enough. And clearly, some regulatory judgment (horrors!) will have to be applied.

Credit Rating 13

Credit Rating Bond Price Advice 13

Harvard Business Review

APRIL 16, 2018

The company is a member of the Hitachi Group, listed on the first section of the Tokyo Stock Exchange, and enjoys an A+ credit rating and stable outlook from Ratings & Investment Information Inc.

Engineering 8

Engineering Innovation Content Credit Rating 8

Harvard Business Review

JULY 11, 2013

It appears that Enron''s final fatal mistake was to try to support its stock price instead of living up to key contractual obligations required to maintain its credit rating. What caused Enron''s bankruptcy was, quite simply, the loss of its investment-grade credit rating. What caused Enron to go bankrupt?

Price 8

Price Credit Rating Finance Chief Financial Officer 8

Harvard Business Review

JUNE 1, 2011

It signaled that core members stood behind the euro and with a bit of luck and a following wind you could hope that the markets might not get too worked up about Portugal, Ireland, and Spain. But remove the currency markets and you take away the constant credit rating service the currency markets provided.

Banking 13

Banking Crisis Credit Rating Long-term 13

Harvard Business Review

NOVEMBER 6, 2014

Not for the highly-regarded work on competition between small numbers of firms with which his career began more than thirty years ago but for more recent work on how carefully structured regulation can improve performance relative to unbridled market forces. Neither school of thought, though, has it quite right.

Management 8

Management Crisis Porter Credit Rating 8

Harvard Business Review

NOVEMBER 6, 2014

Not for the highly-regarded work on competition between small numbers of firms with which his career began more than thirty years ago but for more recent work on how carefully structured regulation can improve performance relative to unbridled market forces. Neither school of thought, though, has it quite right.

Management 8

Management Crisis Porter Credit Rating 8

Harvard Business Review

JULY 9, 2015

The AfDB has the strongest credit rating of any organization in Africa and in 2008, it surpassed the World Bank in lending to Africa , a signal of Africa’s growing agency in its own development. China, and most countries of Western Europe. In the coming years, expect the AfDB to pioneer approaches to inclusive growth.

Banking 8

Banking Globalization Credit Rating Short-term 8

Leading Blog

APRIL 5, 2019

By understanding the data around which leads go on to become great customers, a sales leader can then work closely with their marketing colleagues to figure out new sources of potential customer prospects. Probabilistic risk managers will think about the future of how they work.

Uncertainty 309

Uncertainty Sports Credit Rating Learning-by-Doing 309

Harvard Business Review

MAY 10, 2016

Much of the hype around blockchains has focused on their potential to fundamentally change the financial services industry – by dropping the cost and complexity of financial transactions, making the world’s unbanked a viable new market, and improving transparency and regulation.

Technology 8

Technology Cost Credit Rating Banking 8

Harvard Business Review

AUGUST 10, 2011

From falsified mortgage applications and bundles of toxic mortgages, to incorrect credit ratings and balance sheets that couldn't be trusted, the financial crisis is as much about bad data as it is about unfettered greed. In marketing, bad data make it more difficult to know the potential client. And no industry is immune.

Health Care 14

Health Care Credit Rating Reputation Quality 14

Harvard Business Review

JULY 8, 2016

For example, Lattice Engines’ analytics software pulls data from third-party vendors and independent websites including information about firms’ regulatory and compliance activities, changes in credit rating, financial performance, job posting trends and firm-related social media traffic.

Software 8

Software Credit Rating B2B Tools 8

Harvard Business Review

JANUARY 29, 2018

And many AI-enabled startups are competing in the HR assessment market, using AI to crawl potential candidates’ social media accounts to filter out bad fits. In 2012, Facebook applied for a patent that would use an algorithm to assess the credit ratings of friends, as a factor in one’s eligibility to get a mortgage.

Reputation 8

Reputation Learning-by-Doing Credit Rating Media 8

Harvard Business Review

AUGUST 8, 2011

Recent headlines have focused on the debt ceiling , the recent credit rating downgrade , unemployment , and the other thorny fiscal challenges facing the United States. Markets will not generate enough innovation. This is what the U.S. economy has been able to achieve for decades but should not take for granted anymore.

Politics 15

Politics Innovation Incentives Credit Rating 15

Harvard Business Review

FEBRUARY 21, 2014

I think there’s a big marketing side to this story, and the ones who were good marketers ultimately succeeded. They believe that they’ll just basically market to their alumni. Bullock and Warren Persons of the Harvard Economic Service, who are almost completely forgotten now but briefly wielded global influence.

Open-book 8

Open-book Trends Hammer Credit Rating 8

Harvard Business Review

JUNE 29, 2015

If you ask someone who works in finance (as I had to) about PE and innovation, he or she will likely tell you that PE sponsors aren’t looking for the next big thing—they’re looking for companies that are dominant in a market, aren’t risky, and have a predictable and steady stream of cash to pay back debt.

LBO 8

LBO Innovation Sample Short-term 8

Harvard Business Review

MAY 17, 2017

This helps to prove their identity, cutting down on fraud and creating market efficiencies. Just getting the costs of regulation and compliance down would open world markets and create wealth, but that doesn’t have to mean changing local regulations. The system currently serves a billion people.

Marketing 8

Marketing Technology Banking Efficiency 8

Harvard Business Review

AUGUST 16, 2016

Big data holds out big promises for marketing. Notably, it pledges to answer two of the most vexing questions that have stymied marketers since they started selling: 1) who buys what when and at what price? Measuring Marketing Insights. and 2) can we link what consumers hear, read, and view to what they buy and consume?

Competitive Advantage 8

Competitive Advantage Credit Rating Short-term Long-term 8

Harvard Business Review

DECEMBER 6, 2016

These were intended to drive change in the market. The challenge now is creating enough incentives and pressure to move the bulk of the market. That means more aggressively reducing fee-for-service reimbursement rates relative to value-based payments. The ACA did launch several value-based initiatives.

Health Care 8

Health Care System Insurance Quality 8

Harvard Business Review

AUGUST 9, 2011

nation's credit rating has the same tone. Most of the country believes our rating for effective policymaking is somewhere between a D and an F. But that is not the point of a credit ratings agency. This proved to be overly optimistic - the markets reacted negatively as they opened across the world on Monday.

Credit Rating 14

Credit Rating Politics Bond GDP 14

Harvard Business Review

NOVEMBER 21, 2012

The then-sainted Alan Greenspan had given them ample cover, by expressing concerns that surpluses might eventually kill the bond market. credit rating but no observable increase in interest rates. real estate market showing signs of recovery, this is probably a better time to talk fiscal restraint than two years ago.

Budgeting 8

Budgeting Bond Committee Commitment 8