Before pursuing any financial strategies discussed on this website, you should always consult with a licensed financial advisor. Facebook Twitter Google Plus Youtube Linkedin Instagram Menu Palatin Technologies stock analysis: Palatin, one of the best biotech stock after expansion to Asian market November 23, 2017 This article was written by David Borenstein, a Financial Analyst at I Know First, enrolled in the double major in Economics and Business undergraduate program at the Interdisciplinary Centre, Herzliya.
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Article - McKinsey Quarterly - October 2016 Chinese consumers: Revisiting our predictions By Yuval Atsmon and Max Magni Chinese consumers: Revisiting our predictions Article Actions Share this article on LinkedIn Share this article on Twitter Share this article on Facebook Email this article Download this article As their incomes rise, Chinese consumers are trading up and going beyond necessities.
In 2011, we tried our hand at predicting the ways in which, in the decade to come, Chinese consumers would change their preferences and behaviors.How to partition your data in Azure Cosmos DB - Azure Friday
This article takes stock of those predictions. Why check in now. Another is a comprehensive new McKinsey survey, which follows nearly ten years of previous research that includes interviews with more than 60,000 people in upward of 60 cities in China.
Deeper and more nuanced understanding of Chinese consumers can help reveal fresh opportunitiesfor new entrants and incumbents alikeand signal those areas where established players may need to be more wary. While geographic differences persist, Chinese consumers are, on the whole, more individualistic, more willing to pay for nonnecessities and discretionary items, more brand loyal, and more willing to trade up to more expensive purchaseseven as their hallmark pragmatism endures.
Just as it was then, generalizing about Chinese consumers continues to be almost as difficult (and maybe as foolish) as it is to generalize about European consumers. We predicted these differences would remainand even grow more significant, especially in the consumption patterns and tastes that relate to discretionary items. To help companies better tailor their go-to-market approach, we grouped most cities in China into clusters based on their similarities, including their geographic proximity and the transportation infrastructure that connects them.
Furthermore, when our latest survey compared the consumers in the Shanghai area to those around Beijing and Hangzhou, certain spending attitudes also showed marked differences. For example, brand loyalty increased much faster in Shanghai (24 percent increase in three years versus just 7 percent in Beijing and 9 percent in Hangzhou), as did the willingness to pay for better or healthier products.
Despite geographic differences, there are broad similarities among Chinese consumers. These mirror the general trends economists have found among consumers around the world as economies develop. The general tendency is for consumers, as they earn more, to spend a lower percentage of their income on food, a little more on healthcare, and even more on travel and transportation, as well as on recreational activities.
It was no great stretch then, in our report five years ago, to predict a significant shift in consumption from necessities and seminecessities into discretionary categories. Sure enough, our new survey shows Chinese consumers following the anticipated pattern. When we asked how they plan to increase spending as their income increases, dramatically fewer consumers said they will increase it on food (46 percent in the latest survey, compared to the 76 percent who said they would do so three years earlier).
Responses trended slightly up for healthcare products (from 16 percent to 17 percent), and increased for travel (from 14 percent to 23 percent) and leisure (from 17 percent to 25 percent).Heineken Rocks (4) 4. Fishermans Blues (3) 8. Elegant D'Oro (2) 9. Will I Be (8) 5. WILL I BE finished strongly to end up midfield last start at Sale and placed once this prep at Traralgon, sneaky chance. CAVALERO back from six week let-up and generally races near the speed. FONTEIN FLYER placed once this prep at Yarra Valley and should race on the speed, place only.
Tan Tat Tan Trum (1) 8. Streets of Avalon (8) 15. Poolside Hamilton (4) TRISCILLA back from 20 week spell and racing back from the city, major contender. TAN TAT TAN TRUM trial win in the 37 days since last race adds confidence and drawn ideally, could threaten. STREETS OF AVALON only just missed last start, finishing half a length back from the winner at Pakenham Park and has three placings from three runs this prep, each-way claims. POOLSIDE HAMILTON ran fifth last start at Yarra Valley on a soft track when first up and likely to get a nice run behind the speed, strong place chance.
Mamzelle Murdoch (10) 1. Another McCloud (4) 16.
Moonlight Ruby (3) MAMZELLE MURDOCH has shown early speed in races to date and drops in weight, the testing material. ANOTHER MCCLOUD let-up for six weeks and placed at only start at Swan Hill, could upset.
ZANAHARY first-up after 24 week break and generally strong first-up placing at Stony Creek last attempt, in with a chance. MOONLIGHT RUBY first-up after 55 week spell and finished a neck back from the leader at only start at Seymour, needs the breaks. Little Miss Toffee (10) 2. Gotta Be a Rokstar (15) 12. She's Not Wanted (2) LITTLE MISS TOFFEE resumes after a 19 week spell and generally strong first-up placing at Wangaratta last attempt, commands respect.
GOTTA BE A ROKSTAR first-up after 21 week break and won both trials, looks threatening.They've gone 15-9 this season and on the road a solid 7-4. Some trends to note. Razor's CBB Saturday 3-Pack O' Beatdowns.
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I'm laying the points with the NY Knicks on Saturday. Chicago snapped their 10-game losing streak with a 119-111 OT win last night in Charlotte.
Give the Bulls credit for finding their offense, but it was just their 4th win in 24 games this season and we don't suspect a winning streak is about to begin. They're 0-4 ATS both off a SU win and when playing without rest between games. The Knicks whipped Memphis last time out and did so without Tim Hardaway, who's out with a leg injury. His loss is baked into this number as far as we're concerned.
We have a Knicks' team that's covered seven of their last nine against teams with a losing record, while covering five in a row in this series. I'm laying the points with the Knicks on Saturday.
All my picks are based on interpretation of statistics, context and personal judgement. Each selection is primarily based on available value for long-term profits and not short priced easy favourites.
Ultimately, I use my own analysis in combination with intelligent based software. Wazzu's defense has steadily gotten worse as the season goes along. They allowed 91 to Idaho on the road and 81 to UC Davis as well.
Robert Franks and Malachi Flynn are averaging over 36 points per game combined. UTEP is feeling good after a 88-76 home win over New Mexico last time out. They will be once again without Matt Wilms in the middle.
That will make the Miners defense much worse considering he's their enforcer type. Extra pressure now on Keith Frazier and Omega Harris. UTEP has gone over in 14 of their last 21 games when the total is 140 to 149. This game features the 13-11 Sixers and the 18-8 Cavs. This game will be easy pickings as the Sixers will rest their star Joel Embid and this line just is too low. Cavs lost outrite last night at the Pacers and will not be to happy going into this one.For text and items fields each centroid contains the terms or items which minimize the average cosine distance between the centroid and the points in its neighborhood.
To create a cluster, you can select an arbitrary number of clusters (i. You can use scales to select how each field influences the distance measure used to group instances together. You can also list all of your clusters. That is, no special scaling is used. With this argument you can pick your own scaling for each field. This will make it easy for you do things like balancing age and salary, but then request that age be twice as important. This can be used to change the names of the fields in the cluster with respect to the original names in the dataset or to tell BigML that certain fields should be preferred.
All the fields in the dataset Specifies the fields to be considered to create the clusters. Must be null or a number greater than or equal to 1 and less than or equal to 300. Each model predicts whether or not an instance is part of its respective cluster.
Example: true name optional String,default is dataset's name The name you want to give to the new cluster. The range of successive instances to build the cluster. It selects the norm to minimize when regularizing the solution. Regularizing with respect to the l1 norm causes more coefficients to be zero, and using the l2 norm forces the magnitudes of all coefficients towards zero.
Example: l1 replacement optional Boolean,default is false Whether sampling should be performed with or without replacement. You can use either field identifiers or field names.
Example: "000004" You can also use curl to customize a new cluster. Once a cluster has been successfully created it will have the following properties. Creating a cluster is a process that can take just a few seconds or a few days depending on the size of the dataset used as input and on the workload of BigML's systems.
The cluster goes through a number of states until its fully completed.For a weighted fit, if the prediction is for the original data frame, weights defaults to the weights used for the model fit, with a warning since it might not be the intended result.
If the fit was weighted and newdata is given, the default is to assume constant prediction variance, with a warning. Variables are first looked for in newdata and then searched for in the usual way (which will include the environment of the formula used in the fit). A warning will be given if the variables found are not of the same length as those in newdata if it was supplied. Notice that prediction variances and prediction intervals always refer to future observations, possibly corresponding to the same predictors as used for the fit.
The variance of the residuals will be smaller. Strictly speaking, the formula used for prediction limits assumes that the degrees of freedom for the fit are the same as those for the residual variance. This may not be the case if res. SafePrediction for prediction from (univariable) polynomial and spline fits.
You can always choose not to use search predictions. Katie is a Search expert and author of this help page. How autocomplete works Predictions are made based on factors, like the popularity and freshness of search terms. What other people are searching for, including Trending stories. Trending stories are popular topics in your area that change throughout the day.
To see Trending stories, go to Google Trends. How search predictions are made Search predictions are generated by an algorithm automatically without human involvement. The algorithm is: Based on several factors, like how often others have searched for a term. Designed to show the range of information on the web.It is one of the best VPNs for evading detection in China, so will help you get through ISP blocks in any country. The ExpressVPN network is very fast. It can even speed up slow international connections from countries with poor internet service, such as Caribbean nations.
This VPN will protect you if you like to connect to the internet through WiFi hotspots in cafes. There is a proliferation of fake WiFi hotspots that hackers use to steal information. ExpressVPN has automatic WiFi protection to defeat this scam. There is also a kill switch in the app. If you also want to access streaming video online, ExpressVPN is one of the best VPN services that you could use to get around international access blocks.
CyberGhost offers a free VPN, however, it's worth paying the small fee for the Premium version of this VPN because that has better detection evasion methods and faster speeds than the free version. CyberGhost's user interface is really cool and enjoyable to use. It has automatic WiFi protection and a kill switch to prevent your real internet address from being discovered. The account creation procedures of this VPN give you total privacy because they don't hold any personal details on you at all - you're identified by an account number.
NordVPN has servers in 61 countries, so look through the list and make sure they can get you around the access restrictions of Bet365. It is OK to bet from another country with Bet365, so if you don't see the location that you have your account in on the NordVPN server list, just pick a server in a country where betting is allowed and you'll be able to keep on gambling. This VPN can work out really inexpensive. It gives each account holder an allowance of six simultaneous connections, so you have enough capacity to share an account with a friend.
NordVPN is fine with that. There is also a very cheap two-year subscription option. However, you have to pay for the whole two years upfront. The government internet blocks save you from the risk of breaking the law. Different governments use different methods to block access to websites.
Some use a combination of techniques to block access to certain sites. In just about all cases, it is the Internet Service Provider (ISP) that implements the blocks. Everything you do on the internet has to go through the computers of an ISP.
ISPs have three main methods to stop access to websites. The first is address filtering. The ISP maintains a list of banned web addresses. If Bet365 is banned, the ISP simply drops any request passing through its computers that includes the address bet365. On the internet, all computers are identified by an IP address. Some address filtering systems maintain a list of banned IP addresses. Thus, rather than blocking a request because it includes bet365.
The mapping between web addresses and IP addresses occurs at a Domain Name System (DNS) computer. When you type www. It then sends a request for a page to that IP address. Some ISPs manipulate the DNS entry for banned web addresses in order to implement the bans.
The usual practice is to set up a ban message page and enter the IP address of that against the web addresses of the sites that the government wants to block. The third method that ISPs use to block banned sites is content filtering.
This is a good way to deal with governments that ban whole topics rather than specific websites. In this scenario, the ISP reads the messages that it sends out onto the internet on behalf of customers. VPN operating methods manage to defeat all three ISP site block strategies.All participants in a given tournament will be priced to win the tournament outright.
Each-way betting is available. In the event of a match starting but not being completed the player progressing to the next round or being awarded the victory will be deemed the winner for settlement purposes. In the event of the first frame not being completed bets will be void, unless the outcome has already been determined.
Settlement will be determined by official tournament data. Betting does not include foul shots. In the case of a re-rack only the highest break in the officially counting frame will determine settlement. If the statutory number of frames in a match are not completed, changed, or different from those offered for betting purposes, bets will be void. All session betting refers to a specified number of frames - as designated on each market e. The first frame of the specified mini session must be played for bets to stand.
If the match ends naturally during the session then bets will stand (e. In the event of a match starting but not being completed bets will be void, unless the outcome of the specific market is already determined. In the event of the first frame not being completed bets will be void, unless the outcome of the specific market is already determined. If the statutory number of frames in a match are not completed then bets will be void unless there is no conceivable way the match could be played to its natural conclusion without unconditionally determining the result of this market.
Where revised match betting is offered (between sessions) one frame of the following session must be completed for bets to stand. If the first legally potted colour is not shown live on TV then all bets placed will be made void win or lose. If the first legally potted ball is not shown live on TV then all bets placed will be made void win or lose.
Bets stand in the event of a re-rack.
This includes any added injury or stoppage time but does not include extra-time, time allocated for a penalty shootout or golden goal. The exceptions to this rule are in relation to friendly matches, where all match markets will be settled based on the actual result when the game finishes (excluding any extra-time), irrespective of whether the full 90 minutes is played, and Beach Soccer where markets are specifically settled on 36 minutes play only.
Extra-Time In-Play MarketsBets are settled on the official statistics for the extra-time period. Any goals or corners that were taken or scored during regulation time do not count.
Matches Postponed, Brought Forward or AbandonedAn unplayed or postponed match will be treated as a non-runner for settling purposes unless it is played within the same week (ending on Sunday) in which case the bet will stand unless cancelled by mutual consent.