Frank Sanpietro PowerPoint PPT Presentations

Frank SanPietro Starbucks Christmas Just because Christmas is over doesn't mean it is at Starbucks! This was my cup today. I loved all the fan-made designs this year. What's your regular Starbucks treat? Check me out here: http://www.share.net/PietroFrankSan/frank-sanpietro-on-how-california-aims-retirement-plan-at-those-whose-jobs-offer-none Thanks for watching! https://youtu.be/odFA4lJdKX0

Frank SanPietro with the Horses More animal videos! Everyone loves horses, right? Check me out here: http://www.dailymotion.com/video/x52fr8q_frank-sanpietro-in-the-morning_lifestyle Watch the video here: https://youtu.be/wku3yJKkIHM

Check me out on Google+! There I post things I'm passionate about, like education, economics, and dogs, as you can see! https://plus.google.com/u/0/103040637929934537692

Frank SanPietro with Cats I really do love animals. These cats are no exception! They looked so cute sitting on the porch railing. Do you have any pets? Check me out here: http://www.share.net/PietroFrankSan/frank-sanpietro-on-google Watch the video here: https://youtu.be/i53WM-ePKbk

Frank SanPietro University of North Georgia The University of North Georgia has a beautiful campus in Dahlonega. Here's just part of it. Check me out here: http://franksanpietro.deviantart.com/art/Frank-SanPietro-Aveeno-633429039 Watch the video here: https://youtu.be/35_rcay-3g0

A good cause worth checking out and helping out with however much or little that you can: http://link.email.dynect.net/link.php?DynEngagement=true&H=np9sX8hT1iHHICdcugQ3K3oOCtSg0wj%2Bg1hyp1nFnSjqsto2m57qajkdM8AbbFHh%2BJu9Rh6LwTc%2B6yL6EgFhuQwiDgB%2B28GKnHObYDYVDajmD1uOAZ4Nuw%3D%3D&G=21&R=https%3A%2F%2Fwww.gofundme.com%2F5un4vt5w%3Futm_source%3Dinternal%26utm_medium%3Demail%26utm_content%3DCTA_view_campaign%26utm_campaign%3Ddonation_receiptv5&I=20161121204131.000001c86de5%40mail6-36-ussnn1&X=MHw3NzY2NjI6VEVNUElEXzUzMDg7MXw3NzY2NjM6UVVFVUVJRF83MDM0MTE2MDA7Mnw3NzY2NjQ6RE9NQUlOX2dtYWlsLmNvbTs%3D&S=sS1xy6f91evfMx2q3sLv6NIMj08plSF66f6k2cb_xu4

Frank SanPietro and Farm Animals I'm a big animal fan; I love them all! I was happy to spend some time with these horses and dogs. Here's another animal video: https://youtu.be/seRXCSOzBQc Thanks for watching! https://youtu.be/3iLcw2uu5AM

Frank SanPietro at the Vineyard Here's another look at Kaya Vineyard, in Dahlonega, GA. It looks awesome! Check me out here: http://imgur.com/a/ZFOSd Watch the video here: https://youtu.be/TTaz-TfjLQQ

Frank SanPietro in Dahlonega Enjoy this sample of Dahlonega, GA! It's such a cute little town. Did you know it's the site of the first gold rush? Check me out here: http://www.spokeo.com/Frank-Sanpietro Watch the video here: https://youtu.be/OA1Qy14FzZg

Frank San Pietro from the USA. I love Academic Finance, Real Estate and Other Interesting Topics so please follow me back. Thanks. https://twitter.com/franksanpietro

Frank SanPietro on the Square Everyone loves the square in Dahlonega, GA, and it's not hard to see why! Even in the rain, it's nice to drive through! Check me out here: http://franksanpietro.deviantart.com/art/Frank-SanPietro-Maldives-631862984 Watch the video here: https://youtu.be/9T3Hf3dDfTU

Frank SanPietro at Kaya Vineyard I visited this new vineyard near Dahlonega, GA recently. It looks very nice! I can't wait to see it in the spring and summer. Check me out here: http://dayviews.com/franksanpietro/521595150/ Thanks for watching! https://youtu.be/_cGUnILNxys

Frank SanPietro on general matters of finance and education: http://www.franksanpietro.com/blog/ Check me out here for a variety of subjects!

Frank SanPietro with the Cows Animals big or small, I love them all! What's your favorite animal? Check me out here: http://www.share.net/PietroFrankSan/rhode-island-cuts-hedge-fund-via-frank-sanpietro Watch the video here: https://youtu.be/TtzCPN3pwl0

Frank SanPietro Bird Watching Well, there was a bluebird in this tree! I guess it flew away before I could get my camera out. Check out this video of me at Stonehenge!. https://youtu.be/Vp4HqVOqId4 Thanks for watching! https://youtu.be/Ik33woRF_Xw

Frank SanPietro sharing on the latest from Rhode Island Treasurer Seth Magaziner who said the state’s $7.7 billion pension fund is cutting its allocation to hedge funds in half over two years, as high fees eat into returns and some of the investment pools provide less diversification than expected.

Find me on Facebook! https://www.facebook.com/frank.sanpietro.7 I like to post about the economy and housing market, among other things.

The proposal is to implement mandatory retirement savings at all CA employers. In those instances where a company does not offer retirement benefits, the state will take 3% of the workers pay and put those funds into a retirement account for that individual. While on the surface, this seems completely benevolent (who could argue with the idea that Golden State workers will have resources for their Golden years?), the implementation of the plan raises some not-so-shiny concerns. Find out why on my blog: http://www.franksanpietro.com/frank-sanpietro-california-aims-retirement-plan-whose-jobs-offer-none/

Andrew Frank (Cincinnati Ohio) was an active scout from the age of six and left when he turned 18. He also gained the rank of Eagle Scout when he was 17.

Andrew Frank, a middle school grad from Cincinnati Hills Christian Academy graduated from St. Xavier High School in Cincinnati, OH in 2016. As of now, he’s a sophomore in Mechanical engineering at Ohio State University. He also has a minor in entrepreneurship, as he has an interest in that.

Frank McLain founded his own law firm – Frank E. McLain Law Firm – in 1991 because he believes that the interests of his business clients can be better served by a compact and more efficient firm that offers personalized and dedicated services. In founding the firm, he has been able to control costs for his clients, in addition to ensuring they receive the communication they need during litigation.

Anne Frank. Dana Ebley, Kate Reinhardt, Michele Smith & Soyoung Lee ' ... Anne and Margot Frank in 1932 'We've got to be reasonable about everything we do here' ...

Otto Frank knew the Nazis where killing Jews in Amsterdam so he ... Anne Frank was a great world wide hero and we will never forget her. Picture Gallery ...

Interesting story from CNBC today. In it they note that existing home sales are at their highest level since 2007. Which, to most reasonable people, would appear to be good news. See another side of the story on my blog: http://www.franksanpietro.com/frank-sanpietro-home-sales/

We got about 1.75 inches of the white stuff in the wee hours of the morning and the whole region is closed for the day! SNOW DAY FOR EVERYONE. Hope that everyone drives safely and enjoys some time inside with family. Reporting from Germantown, TN – this is Frank SanPietro wishing everyone a good day and good news. http://www.franksanpietro.com/snow-day-in-the-south/

Anne Frank: The Diary of a Young Girl Jeff Cole Bishop Elementary Day 1 Word Knowledge Day 1 Word Knowledge Day 1 Word Knowledge-A person is Dutch they live in ...

Anne's Parents. Anne's father, Otto Frank. came from an ... Margot and Anne Frank. In 1926 Otto and Edith celebrated. the birth of their first child, Margot. ...

Some very good news coming to us from Bloomberg about recent changes at American Express. In response to a tightening labor market, and, in recognition of the changing ways in which Americans are creating and composing families, the financial services giant now offers 20 weeks of paid time off to their employees. Even more encouraging is that this benefit is granted no matter whether the new family member arrives by “stork”, or adoption or surrogacy. http://www.franksanpietro.com/families-types-first/

In the immortal words of Winston Churchill, Never Give Up!!! As the story notes, this is like something straight out of Gilligan's Island. The Coast Guard Commander in that area noted that they are responsible for patrolling an area of the Pacific 2x the size of Russia!! If these three can be found in the middle of one of the remotest parts of the Pacific, it's reasonable for us to hope that a new Coach will be located for the University of Memphis Basketball Team, right? Go Tigers!!

Fans of the 1995 mob movie, Casino will remember the scene where Robert Deniro and his crew take a cheater into the back of the house and threaten to cut his hand off. It's the first thing I thought of when I saw this picture of the embattled CEO of Wells Fargo. Did they take him in the back of the Senate chamber and break his fingers before he testified, just to "soften him up".

New data published in Barron's cites an article by a Harvard Business School Doctoral Candidate who examined the reading habits of different investor types. Her findings? That hedge fund investors tended to be "the early birds" when it comes to reading news stories first. The study, by Anastassia Fedyk, noted that while hedge fund investors comprise less than 10% of financial professionals who are reading the news, they account for over 1/4 (app. 27% ) of "first clicks" on news stories.

Lowest rates in a couple of years, and overall, near historic absolute lows. Just makes me wonder about long term fixed income portfolio management. Borrowers have lower probability of default (which is great and assumes current controls on credit availability stay intact), and lenders don't face early payoff risk. Wonder how much capital is going to be tied up as dedicated against specific liabilities (insurance companies) for longer terms. Interesting. Also wonder what effect this could have on local public employee retirement plans, and the endowment of University of Memphis, Christian Brothers University, Rhodes, etc. Common logic dictates that there be proportional exposure to fixed income, however, in an ultra low yield world, does that make sense? Consider the delta between the rate of return on fixed income vs. rate of appreciation for retiree benefits (COLA's) and, worse yet, the rise in medical and OPEB. 

Just finished reading a great post by one of my favorite bloggers/writers/observers of life, Cal Newport. Cal is a wunderkind having earned tenure at a major University before the age of 35. He writes about “Deep Work” and the ways in which knowledge workers can do great work, despite the distractions and obstacles which obstruct our path. I was so impressed with the post that I wrote a reply and thought I’d share both with all of you: http://www.franksanpietro.com/protect-time-better-work/

Hope that everyone shares some of what they have (money, time, love) with those that need it. Please see link to a great story about "Tripp" a lab pup who (like many of us) had a rough start, but with a little help from some friends and the love of family is doing great! Please help if you can and share this with others! https://plus.google.com/u/0/103040637929934537692/posts/Yfnp42dVbMn?sfc=true

The language in this story is very interesting. The company admits that some of the questionable loans "should have been self reported". Further, it is interesting to note that the story reports that the company "misled the government into insuring hundreds of risky mortgages, causing substantial losses" On the other hand, wasn't one of the causes cited for the financial crisis the revelation that the government was in fact, not "behind" these bad loans? For more, check out my blog: http://www.franksanpietro.com/quick-post-on-unfolding-mortgage-settlements/

Great piece by Paul Wallace (Former Euro Economics Editor at The Economist) on Reuters.com today. Thought I’d share it and some of my thoughts as it’s on point with some of the main ideas that help guide my research. http://www.franksanpietro.com/silence-is-golden/

Dalai Lama shares wisdom -- His call for increased dialogue, respect and harmony among different world religions is inspirational. I remember when he visited Memphis a few years ago to do the Blessing of the Waters. Doesn't take a University professor to appreciate the message that this deeply spiritual man is sharing.

Very pleased to see that the documentary which chronicled the role that St. John Paul the Great played in the downfall of communism was recognized and won 2 Emmy awards. http://www.franksanpietro.com/recognition-statesman-saint/

For some people, this latest bit of progress might seem eerily akin to "On August 29, 1997 @ 2:14 am eastern time, Skynet becomes self aware", however, let's look at what's happening down at "The Exchange". RULE 48 One of the main purposes of the exchange and those authorized to trade within it, is the maintenance of an "orderly market". Which basically means a market that allows for traders on "both sides" to have their views reflected into the pricing. The idea being that this serves to curb volatility, nasty large swings in pricing. Note - most people think of this in the negative - however, exuberant rallies aren't all that much better than terrifying plunges when one considers market mechanics. Both reflect extremes. Not the use of the term "orderly market" earlier, extremes are the opposite of orderly markets.

As I had noted in my Google + post, it’s fascinating to note that a work written some 2,060 years ago would have relevance to our present society. This passage was written by Cicero, in app. 44 BCE. It is from the third book of De Officiis, ( On Duties) and considers the ethical implications of two parties to a trade (merchant and buyer) when one of those parties is differentially informed. Visit my blog to see how this applies to our day and age: http://www.franksanpietro.com/ancient-philosophers-predicted-goldman-sachs-mortgage-fine/

All right, so we are about a week into the campaign and it looks as though the University of Memphis Student Veterans Organization is just about 1/4 of the way to their goal. PLEASE SHARE THIS MESSAGE WITH AT LEAST 3 OTHER PEOPLE TODAY! THANKS! https://plus.google.com/u/0/103040637929934537692/posts/LZNmyyeSVvA?sfc=true

Good article in NYT. Give credit for their mention of Milton Friedman having first proposed the idea in 1955. Also, appears to deal with the fact that not all student debt is created equal. In other words, depending on the choice of major and the career/earnings possibilities presented afterwards, what may be an equitable bargain for the accounting major to finance her education, is an indecent burden for the French literature major. https://plus.google.com/u/0/103040637929934537692

This Post is the second of two which examine the interplay of asymmetric information and perceived/actual ethical obligations. To see both original posts, check out my blog:http://www.franksanpietro.com/more-on-ancient-philosophy-and-goldman-sachs-mortgage-settlement/

So proud of the University of Memphis for recent promotion of numerous charitable projects. One that is particularly important to me is the one linked below – Textbooks 4 Tiger Vets. http://www.franksanpietro.com/textbooks-4-tiger-vets-go-university-of-memphis/

Just wanted to do a short post about my good friend and adviser, Bart the Wonder Dog! As any one who knows me is aware, Bart was in a local animal shelter when he came into our lives. He has made a huge difference in our lives. One thing I will say is this – you will never find a better listener than a dog. http://www.franksanpietro.com/find-best-friend-local-shelter/

This time of year is traditionally more volatile when it comes to labor statistics. However, the one big point that needs to be remembered; How Many Able Bodied/Well Trained/ Educated people have "exited" the work force over the last several years? That's the really interesting statistic. Almost everyone knows at least someone like this and the aggregate loss to the economy is staggering.

The language in this story is very interesting. The company admits that some of the questionable loans "should have been self reported." https://plus.google.com/u/0/103040637929934537692

One of the big misconceptions about interest rate determination is that the “Prime Rate” has something to do with mortgages. It doesn’t. Well technically it has an effect on some adjustable and home equity rates since they can be “tied to Prime”, though LIBOR (London Interbank Offer Rate) has become more popular over recent years as the benchmark for rate determinations. However, the real instrument that determines the rates for mortgages is the 10 year treasury. Find out more on my blog: http://www.franksanpietro.com/keeping-mortgage-rates-going-even-lower/

And for good reason; you see our pair of author brothers, Jacob and Wilhelm were trying to provide cautionary tales to Der Kinder. However, it’s hard to offer dire warnings absent graphic descriptions of the perils awaiting those who fail to heed Mama and Papa. Hence, we hear about evil witches cooking children, and blood thirsty wolves pursuing young maidens. And all to illustrate (among other points) the importance of not straying from home. These type of “object lessons embedded in a story” have been a literary staple throughout human history and across virtually every culture. So, it’s no surprise that we are getting a modern version in the new George Clooney and Julia Roberts movie “Money Monster”. Check out more on my blog! http://www.franksanpietro.com/money-monsters-and-other-mythical-creatures/

CNBC had an interesting story about precious metals and the relationship between the price of gold and silver. The “gold-silver ratio”, as one would expect compare the metals by calculating the amount of silver that can be purchased for the cost of a single ounce of gold. Given that gold has been well over $1,300 per ounce, while silver has been rising rapidly, recently trading over $20 per ounce, the ratio has been about 66 or so. See how this will affect you on my blog: http://www.franksanpietro.com/precious-metal-prices-pointing-gilded-future/

Saw this G-7 article and had to offer some thoughts for collective consideration. See my blog for more of what I have to say: http://www.franksanpietro.com/g-7-stop-helping-please/

This particular passage was also featured as a back panel in a 2007 issue of the Journal of Political Economy. I guess that aside from the mortgage crisis, one could say that a problem of this sort exists in situation like the one at the University of Memphis, where they are trying to hire a new coach for the basketball team, as well. Go Tigers! https://plus.google.com/u/0/103040637929934537692

Hello Friends and Fellow Observers of the World!!! Posting has certainly slowed down during June with vacation and other family commitments. Go to my blog to see a couple of news stories on which I recently commented: http://www.franksanpietro.com/recent-observations-on-events/

Find out more on my blog: http://www.franksanpietro.com/labor-market-giving-considered-winning/

Franking Labels play an extremely instrumental role in advertising your business. They are a printable paper cutting that is usually self-adhesive. They are also smudge proof.

aking a line from their recent ad campaign for Windows 10, I still wonder about this recent move by the Redmond Crew. Granted, buying back stock (as many of you remember from your initial Finance class) does help to keep the price of the remaining public stock high. Increasing a dividend has been positively received by investors and academicians as well. But here's the troubling idea that I just can't shake: https://plus.google.com/u/0/103040637929934537692