ISM 630-005 dumps questions are organized by killexams

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Exam Code: 630-005 Practice test 2022 by Killexams.com team
C.P.M. Module 1: Purchasing Process
ISM Purchasing PDF Download
Killexams : ISM Purchasing PDF download - BingNews https://killexams.com/pass4sure/exam-detail/630-005 Search results Killexams : ISM Purchasing PDF download - BingNews https://killexams.com/pass4sure/exam-detail/630-005 https://killexams.com/exam_list/ISM Killexams : U.S. ISM Manufacturing Purchasing Managers Index (PMI) The Institute of Supply Management (ISM) Manufacturing Purchasing Managers Index (PMI) Report on Business is based on data compiled from monthly replies to questions asked of purchasing and supply executives in over 400 industrial companies. For each of the indicators measured (New Orders, Backlog of Orders, New Export Orders, Imports, Production, provider Deliveries, Inventories, Customers Inventories, Employment, and Prices), this report shows the percentage reporting each response, the net difference between the number of responses in the positive economic direction and the negative economic direction and the diffusion index. Responses are raw data and are never changed.

The diffusion index includes the percent of positive responses plus one-half of those responding the same (considered positive). The resulting single index number is then seasonally adjusted to allow for the effects of repetitive intra-year variations resulting primarily from normal differences in weather conditions, various institutional arrangements, and differences attributable to non-moveable holidays. All seasonal adjustment factors are supplied by the U.S. Department of Commerce and are subject annually to relatively minor changes when conditions warrant them.

The PMI is a composite index based on the seasonally adjusted diffusion indices for five of the indicators with varying weights: New Orders --30% Production --25% Employment --20% provider Deliveries --15% and Inventories -- 10%.

A higher than expected memorizing should be taken as positive/bullish for the USD, while a lower than expected memorizing should be taken as negative/bearish for the USD.

Wed, 01 Dec 2021 15:06:00 -0600 en text/html https://www.investing.com/economic-calendar/ism-manufacturing-pmi-173/
Killexams : How Forex Traders Use ISM Data ISM manufacturing index

The ISM manufacturing index plays an important role in forex trading, with ISM data influencing currency prices globally. As a result, the ISM manufacturing, construction and services indicators can provide unique opportunities for forex traders, which makes understanding this data (and how to prepare for its monthly release) essential.

Talking points:

  • What is ISM?
  • How ISM impacts currencies
  • How forex traders use ISM data

What is ISM?

The Institute for Supply Management (ISM) measures the economic activity from both the manufacturing side as well as the service side. Monthly ISM data releases include key information such as changes in production levels.

ISM was formed in 1915 and is the first management institute in the world with members in 300 countries. The data gleaned from its large membership of purchasing managers means ISM is a reliable guide to global economic activity, and as a result, currency prices. A country’s economy is often determined by its supply chain, as a result, the monthly ISM manufacturing and non-manufacturing PMI economic news releases are carefully watched by forex traders around the world.

ISM Surveys

ISM publishes three surveys - manufacturing, construction, and services – on the first business day of every month. The ISM Purchasing Managers Index (PMI) is compiled from surveys of 400 manufacturing purchasing managers. These purchasing managers from different sectors represent five different fields:

  1. Inventories
  2. Employment
  3. Speed of provider deliveries
  4. Production level
  5. New orders from customers.

In addition, ISM construction PMI is released on the second business day of the month, followed by services on the third business day. Forex traders will look to these releases to determine the risks at any given time in the market.

How does ISM Impact currencies?

The Manufacturing and Non-manufacturing PMIs are big market movers. When these reports are released at 10:30am ET, currencies can become very volatile. Since these economic releases are based on the previous month’s historical data gathered directly from industry professionals, forex traders can determine if the US economy is expanding or contracting - much like non-farm payrolls (NFP) data.

Currencies react with this information as it represents a gauge of US economic health (see image below).

ISM manufacturing PMI vs GDP

Source: Institute for Supply Management

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How forex traders use ISM data

Forex traders will compare the previous month’s ISM data figure with the forecasted number that economists have published. If the released PMI number is better than the previous number and higher than the forecasted number, the US dollar tends to rally. This is where fundamental and technical analysis comes together to create a trade setup.

EUR/USD drops as a result of better than expected data

ism manufacturing index

In the example above, notice how the better than expected PMI number triggered a US dollar rally against the Euro. As seen in the chart (EUR/USD – one hour), the ISM Manufacturing PMI came in higher than the previous month at 54.9.

When an economic releases beats expectation, sharp fast moves can ensue. In this case, EUR/USD dropped 150 pips in a few hours. Traders often choose the Euro as the “anti-dollar” to take advantage of capital flows between two of the largest economies.

Read more on using pips in forex trading.

The Eurozone has large liquid capital markets which can absorb the huge waves of capital seeking refuge from the US. A weak US ISM Non-Manufacturing number usually leads to a dollar sell-off and a rise in the Euro. Another scenario is when the number released is in line with forecasts and/or unchanged from the previous month, then the US dollar may not react at all to the number.

Overall, an ISM PMI number above 50 indicates that the economy is expanding and is healthy. However, a number below 50 indicates that the economy is weak and contracting. This number is so important that if the PMI is below 50 for two consecutive months, an economy is considered in recession.

PMIs are also compiled for Euro zone countries by the Markit Group while US regional and national PMIs are compiled by ISM. As you can see, traders have good reason to pay special attention to the important releases from the ISM manufacturing index.

Learn more about forex fundamentals

Sat, 27 Nov 2021 19:13:00 -0600 en text/html https://www.dailyfx.com/education/forex-fundamental-analysis/how-forex-traders-use-ism-data.html
Killexams : Welcome to Purchasing

The Purchasing Department and the Historically Underutilized Business (HUB) Program operate as a unified division under the Office of Business Affairs. Purchasing and HUB work closely with UTSA customers, other universities and the public to support research and educational missions of the university and provide suppliers general assistance related to working with UTSA.

The Purchasing Department operates between 8 a.m.–5 p.m., Monday through Friday, excluding university holidays.  

Fri, 31 Jul 2020 09:12:00 -0500 en text/html https://www.utsa.edu/financialaffairs/services/purchasing/
Killexams : Recession Tracker: Are We In A Recession?

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

In the summer of 2022, politicians, economists and market professionals engaged in a great semantic debate over whether or not the U.S. economy was in recession. The argument, invariably influenced by politics, came down to how you defined the word recession.

According to the general definition—two consecutive quarters of negative gross domestic product (GDP)—the U.S. entered a recession in the summer of 2022.

The organization that defines U.S. business cycles, the National Bureau of Economic Research (NBER), takes a different view. According to the NBER’s definition of recession—a significant decline in economic activity that is spread across the economy and that lasts more than a few months—we were not in a recession in the summer of 2022.

“We have a hard time believing the economy is in recession today, given a strong labor market and corporate earnings growth,” said Tim Holland, chief investment officer at Orion Advisor Solutions. “We also remind ourselves that recessions are uncommon, as our economy was in recession just 8% of the time over the past 30 years.”

Nevertheless, a recession may arrive soon. The Federal Reserve is determined to raise interest rates until inflation starts to moderate from sky-high levels. That may cause the economy to contract and enter into a recession.

To keep tabs on whether an economic contraction is imminent, we’ve devised the following recession tracker, which monitors 15 key indicators. Once most of the signs point downward, a recession is nigh.

Recession Tracker: Major Economic Data

Gross Domestic Product (GDP)

  • Most recent Report: Q2 GDP -0.6% (preliminary)
  • Grade: Bad-ish

It’s never good when the economy contracts, much less two quarters in a row. While the revised second quarter number was an improvement over the initial reading, that will do little to reassure U.S. markets and households about the economy’s health.

“[I]t’s still not enough to change the current economic narrative,” said Rusty Vanneman, chief investment strategist, Orion Advisor Solutions.

What could brighten people’s outlook are better GDP numbers, which could arrive soon. The economy is expected to grow by a seasonally-adjusted annual rate of 2.9% in the third quarter, according to the Atlanta Federal Reserve’s GDPNow tracker. While not necessarily robust, that type of memorizing would assuage fears that the economy is in decline.

Consumer Price Index (CPI)

  • Most recent Report: September CPI +8.2%
  • Grade: Bad

Inflation may have moderated somewhat from June and July, but it’s still sky-high and wrecking the purchasing power of everyday Americans. Price growth is so hot that the Fed is willing to increase unemployment and slow the economy even further to get inflation under control.

The picture is somewhat brighter if you look at the Fed’s preferred inflation gauge, the core personal consumption expenditures index (PCE), which strips out volatile food and energy prices. In August, core PCE showed prices increasing by 4.9% compared to 12 months earlier, down from 5.4% in February. But that’s well more than double the Fed’s 2% target.

ISM Manufacturing Index

  • Most recent Report: September ISM Manufacturing 50.9
  • Grade: Good-ish

This survey of corporate executives in industrial companies has been positive for a long time and remained so in August. According to this index, sentiment among executives has been positive—aka a memorizing above 50—for 28 consecutive months.

The Institute of Supply Management’s (ISM) purchasing managers index is a survey of purchasing and supply executives in over 400 industrial companies throughout the U.S.

“The U.S. manufacturing sector continues to expand, but at the lowest rate since the pandemic recovery began,” said Timothy R. Fiore, chair of the Institute for Supply Management Manufacturing business survey committee.

Industrial Production

  • Most recent Report: August Industrial Production -0.2%
  • Grade: Neutral

Industrial production declined in August, as businesses struggle with a difficult environment.

“Industrial production lost momentum in August falling 0.2%,” per a Wells Fargo Securities report. “While a 2.3% drop in utilities and a flat memorizing for mining offered no help, manufacturing did eke out a scant 0.1% gain, but regional Fed surveys portend trouble on the horizon for the factory sector.”

The strong dollar and the weak housing markets remain big hurdles for industrial production through the end of 2022 and beyond.

Retail Sales

  • Most recent Report: September Retail Sales 0%
  • Grade: Neutral

Retail sales were unchanged in September, after gaining 0.4% the month before. Consumers, with eroding savings and increased costs, are starting to pull back a bit on their spending.

“The latest retail sales report adds to recent evidence that consumer staying power may be waning, but it’s showing few signs of breaking,” per a Wells Fargo Securities report.

Weakening consumer demand is one of the effects the Fed is hoping to engineer by raising interest rates.

Conference Board Leading Indicators

  • Most recent Report: August Leading Indicators -0.3%
  • Grade: Bad

The leading index dropped by 0.3% in August, the sixth monthly decline in a row, signaling that the economy is slowing. This troubling development is one of the best indications that the economy may be heading into a recession beginning next year.

“We don’t yet think broad economic conditions are consistent with recession,” noted two Wells Fargo economists in a recent report. “But activity is slowing, and the trend decline in the index supports our view that the economy may slip into a recession by the beginning of next year.”

Recession Tracker: Markets Data

The Stock Market (S&P 500)

  • YTD Performance: -24% as of Oct. 14
  • Grade: Bad

After a two-month bear market rally, stocks have declined after Fed Chair Jerome Powell’s Jackson Hole speech in late August and a higher-than-expected October inflation report. The Fed’s decision to raise interest by another 75 basis points only added to investor misery.

Powell reiterated the Fed’s commitment to higher interest rates to bring down inflation. Wall Street loves nothing more than cheap money, and traders had been hoping that the Fed would pivot from its hawkish stance given less-than-stellar economic data. The numbers are as grim as anything seen since 2008, and perhaps will end up being worse.

“[F]or the near term at least, the pain will be the name of the game,” said CFRA chief investment strategist Sam Stovall of the stock market.

Treasury Yield Curve

  • 10-year / 2-year Spread: -0.50%, as of Oct. 14
  • Grade: Bad

When short-term interest rates yield more than longer-term rates, it’s called an inverted yield curve. This is typically a tell-tale sign of an impending recession, as the market believes economic growth will be weak. The yield curve has been inverted since early July.

Recession Tracker: Jobs Data

Unemployment Rate

  • Most recent Report: September Unemployment 3.5%
  • Grade: Good

Despite wobbliness throughout the economy and concerns about a further slowdown in the coming months, the U.S. labor market remains robust. The unemployment rate has recovered to its pre-pandemic level, and is down 2 percentage points from the same time last year.

Meanwhile, employers added 263,000 jobs in September after increasing payroll by 315,000 in August and 537,000 in July. Essentially, anyone who wants a job can find one.

The Fed has two mandates: Maximize employment and keep prices stable. A strong labor situation has allowed the Fed to focus on bringing down inflation.

“The September payroll report, while close to consensus, was still likely too strong to allow policymakers much breathing room,” said Matt Peron, Director of Research at Janus Henderson Investors. “The likely impact is to keep policy in tightening mode and to keep pressure on risk assets.”

Initial Jobless Claims

  • Most recent Report: Oct. 13 Initial Claims 228,000
  • Grade: Good

The initial jobless claims numbers are released every week, and provide a look at how many people have begun claiming unemployment checks. Rising initial claims suggest more people are losing their jobs (and claiming unemployment).

Right now, the level of initial jobless claims looks pretty strong. However, they’ve increased a bit since earlier in the year as the Fed has increased interest rates. For instance, jobless claims were around 170,000 in March, compared to almost 230,000 now. A further increase would be consistent with the Fed’s push to lower inflation.

Job Openings and Labor Turnover Survey (JOLTS)

  • Most recent Report: August JOLTS 10.1 million
  • Grade: Good

Even as the unemployment rate remains low, the total number of available jobs is near recent highs. There were roughly 7 million job openings in July 2019, compared to more than 01 million now. For every two job openings, there’s about one person available to work.

The most recent report, though, hints that the labor market is somewhat loosening. There were almost 2 million more job openings six months earlier, meaning demand for workers has somewhat come down. While the labor market is still tight overall, market participants are keeping a close eye on the trend.

That’s because a weaker jobs picture may cause the Fed to adopt a less hawkish monetary policy.

Recession Tracker: Economic Confidence Data

University of Michigan Consumer Confidence Survey

  • Most recent Report: October Consumer Confidence 59.8
  • Grade: Bad

Consumer sentiment ticked up in October, according to the University of Michigan Survey of Consumers, rising by 2% compared to the month before. Meanwhile, consumer expectations decreased as gas prices have started to rise in recent weeks.

That is, consumers feel less sanguine about the future than they do about the present.

“The current conditions component jumped the highest since April but expectations fell to a 3-month low, revealing the conflicting nature of the economy right now,” said Jeffrey Roach, chief economist for LPL Financial. “Inflation is high and housing is becoming less affordable, yet, hiring is strong and consumer balance sheets are solid.”

Overall, consumer sentiment is down 17% from this point last year.

NFIB Small Business Optimism Index

  • Most recent Report: September NFIB small business index +0.3 points
  • Grade: Bad

The National Federation of Independent Business (NFIB) Small Business Optimism Index rose in September by 0.3 points to 92.1. However, the index has remained below its 48-year average for nine consecutive months.

It’s a complicated environment,” said Jason Greenberg, chief economist at Homebase. 

Businesses, per Greenberg, are struggling with high costs and finding employees, but feeling good about the future. More than 64% of businesses in Homebase’s Owner Pulse Surveys believe they’ll be better off in 12 months, compared to 57% of organizations in July.

Recession Tracker: Housing Market Data

Housing Starts

  • Most recent Report: September Housing Starts +12.2%
  • Grade: Bad

Home building rebounded recently, rising by a seasonally adjusted annual rate of 12.9% in, after dropping nearly 11% the month before. Rising rent helped push demand for construction of multi-family housing.

The overall housing situation, though, is down thanks to increased borrowing costs and high prices.

NAHB Home Builders Index

  • Most recent Report: September NAHB 46
  • Grade: Bad

U.S. home builders are not optimistic. The Home Builders Index fell another three points in September to 46, indicating that most builders view the housing market as poor. This was the ninth consecutive decline, which dovetails with higher mortgage rates and fewer single-homes being constructed.

The South is the only region in the U.S. above the breakeven mark of 50.

What Is the Recession Tracker Telling Us?

The 15 data points in the Forbes Advisor recession tracker had the following grades:

  • Good: 4
  • Neutral: 2
  • Bad: 9

The economy may not officially be in a recession, but it’s not looking good. Remember that not every data point we rank above would be weighted equally in deciding whether the U.S. is in recession.

The strongest parts of the economy are concentrated in the labor market, thanks to low unemployment and many unfilled jobs.

Related: How Long Do Recessions Last?

Meanwhile, consumers seem to be enduring high inflation better than they did earlier in 2022, and hopefully prices will continue to moderate in the coming months.

The parts of the economy susceptible to higher borrowing costs, such as the housing market and stocks, have not fared well.

How Does the NBER Define a Recession?

Despite negative economic developments this year, the NBER is not ready to say that the current economic expansion is over. That’s perfectly fair, even as GDP has declined for two consecutive quarters since employers are adding workers at an impressive clip.

The NBER is looking for a big drop in economic activity across the economy, not just in a few sections, and the labor market is a glaring outlier. Moreover, the decline generally needs to last more than a few months.

A big exception, of course, was the recent Covid Recession, which lasted just two months. But that decline was so severe and widespread that the NBER had to be flexible with its definitions.

Generally speaking, though, the NBER will want to see each of its three criteria for the decline-depth, diffusion and duration-met before making a call.

What Metrics Does the NBER Consider for Recessions?

The NBER is vague about which exact economic indicators it considers since it wants wiggle room to determine recession calls.

It typically considers items like “real personal income less transfers (PILT), nonfarm payroll employment, real personal consumption expenditures, wholesale-retail sales adjusted for price changes, employment as measured by the household survey, and industrial production,” per its website.

However, it doesn’t assign a particular weight to any indicator.

A recession is a change of direction in economic activity, according to the NBER. Determining how and when that change occurs is a little bit of art and science.

When Was the Last Recession?

According to the NBER, the last recession occurred between February 2020 and April 2020.

That means the economy was already expanding again by May 2020, thanks to some state governments loosening restrictions and unprecedented direct payments and unemployment insurance helping consumers make-do.

Before that, the economy had last contracted between December 2007 and June 2009, which is otherwise known as the Great Recession. While that recession wasn’t as severe as the Covid Recession, it did last longer.

The expansion between the Great Recession and the Covid Recession is the longest business expansion in U.S. history, going back to 1854.

Fri, 14 Oct 2022 01:01:00 -0500 Taylor Tepper en-US text/html https://www.forbes.com/advisor/investing/are-we-in-a-recession/
Killexams : New Sega Saturn Magazine Shiro! Available for download or Purchase

It’s 2022 and the Sega Saturn fan community is alive and well. There’s so much going on with the Saturn today that there’s an entirely new magazine available to cover it.

Shiro! Magazine is the creation of the folks behind the website and podcast of the same name. It covers a variety of titles, such as the cover game Bug!, alongside homebrew and other topics. Folks can download a PDF copy free of charge. If you’re looking to have a copy on your shelf, then a limited number of physical copies are also available.

Physical copies will set you back $10 plus shipping depending on the region.

Sun, 25 Sep 2022 12:00:00 -0500 Marcus Estrada on September 26, 2022 en-US text/html https://hardcoregamer.com/news/new-sega-saturn-magazine-shiro-available-for-download-or-purchase/428070/
Killexams : Morning Bid: Mixed inflation signals

Oct 6 (Reuters) - A look at the day ahead in Asian markets from Jamie McGeever

As the U.S. inflation debate intensifies, the signals are getting murkier.

For investors, this makes markets more skittish and day-to- day moves harder to predict, and makes Fed forecasting even more difficult than it already is.

Register now for FREE unlimited access to Reuters.com

On Wednesday, the headline U.S. services ISM purchasing managers index memorizing for September was surprisingly strong, declining far less than expected to 56.7 from 56.9. ADP employment figures for September were also stronger than expected.

On the other hand, the ISM prices paid index fell to 68.7, the lowest since January last year. And Tuesday's "JOLTS" jobs data show job openings fell in August at the fastest pace in nearly 2-1/2 years.

Oil prices spiked higher on Wednesday after OPEC+ announced a whopping 2 million barrels a day production cut, yet Brent's year-on-year rise - which factors into inflation forecasting models - is 'only' 13%.

chart

Also this week, U.S. breakeven inflation rates on inflation-linked bonds, from two-years maturities out to 20 years, have slid as low as 2.15% - close to the Fed's 2% inflation goal - while the University of Michigan's consumer inflation expectations have fallen too.

Another four Fed officials will be on the tapes on Thursday, hopefully shedding some much-needed light on the inflation debate. For now, it seems like investors are itching for the Fed to pivot, but are not fully confident one would be merited.

Wall Street clawed back opening losses on Wednesday despite the spike in Treasury yields to keep its solid start to the quarter on track. The S&P 500's surge of 5.7% was its best start to a new quarter in decades.

Key developments that could provide more direction to markets on Thursday:

India services PMI (September)

Australia trade balance (August)

Philippines unemployment (August)

Euro zone retail sales (August)

Fed's Mester, Cook, Evans and Waller speak

IMF's Georgieva speaks ahead of IMF/World Bank meetings

Register now for FREE unlimited access to Reuters.com

Reporting by Jamie NcGeever in Orlando, Fla. Editing by Josie Kao

Our Standards: The Thomson Reuters Trust Principles.

Opinions expressed are those of the author. They do not reflect the views of Reuters News, which, under the Trust Principles, is committed to integrity, independence, and freedom from bias.

Wed, 05 Oct 2022 08:26:00 -0500 Reuters en text/html https://www.reuters.com/markets/europe/global-markets-view-asia-graphics-2022-10-05/
Killexams : This PDF reader app has a million downloads on the Play Store - but it's just adware app security © Provided by TechRadar Pro app security

One of the most popular PDF reader apps on the Google Play Store is actually just a vehicle to deliver potentially harmful adware, experts have warned.

An investigation by Malwarebytes found that the imaginatively-named "PDF reader - documents viewer" app did nothing of the sort, but instead flooded user devices with annoying full screen adverts, even when not in use.

The company warns that the app has already had over a million downloads, and Google has yet to remove it, meaning even more victims could be hooked soon.

In a blog post outlining the scam, Malwarebytes notes how the app looks to trick users by not displaying ads immediately after being installed.

Instead, it waits a few hours, making it harder to spot which app has caused the issue. When activated, however, the app fills the user's home screen with full-page adverts, blocking them from accessing their device unless they click on the ad.

Video ads are also displayed, effectively preventing the user from accessing their device, with ads launching more and more frequently the longer the app is left unchecked.

Malwarebytes notes that the initial Google Play app listing page raised a few red flags that may have tipped users off that this was not a legitimate service. This includes a "Mature 17+" content rating - pretty unusual for an Android PDF reader, and the developer name of "Fairy games" - again, not something you would typically associate with such a service.

"If you have a lot of apps installed on your mobile device, this one can very hard to track down," Malwarebytes noted. "Another reason to not blindly trust you are safe while installing exclusively from Google Play. Even if the Play Store is by far the safest place to install apps on Android, it can fault from time to time as well. Having an anti-malware scanner, or anti-adware in this case, is a good idea. Stay safe out there!"

Fri, 02 Sep 2022 10:00:00 -0500 en-GB text/html https://www.msn.com/en-gb/money/technology/this-pdf-reader-app-has-a-million-downloads-on-the-play-store-but-it-s-just-adware/ar-AA11pyAo
Killexams : Marketmind: Mixed inflation signals

(Reuters) - A look at the day ahead in Asian markets from Jamie McGeever

As the U.S. inflation debate intensifies, the signals are getting murkier.

For investors, this makes markets more skittish and day-to- day moves harder to predict, and makes Fed forecasting even more difficult than it already is.

On Wednesday, the headline U.S. services ISM purchasing managers index memorizing for September was surprisingly strong, declining far less than expected to 56.7 from 56.9. ADP employment figures for September were also stronger than expected.

On the other hand, the ISM prices paid index fell to 68.7, the lowest since January last year. And Tuesday's "JOLTS" jobs data show job openings fell in August at the fastest pace in nearly 2-1/2 years.

Oil prices spiked higher on Wednesday after OPEC+ announced a whopping 2 million barrels a day production cut, yet Brent's year-on-year rise - which factors into inflation forecasting models - is 'only' 13%.

Graphic: Brent oil - futures and year-on-year change - https://fingfx.thomsonreuters.com/gfx/mkt/mopanxyoava/OIL.png

Also this week, U.S. breakeven inflation rates on inflation-linked bonds, from two-years maturities out to 20 years, have slid as low as 2.15% - close to the Fed's 2% inflation goal - while the University of Michigan's consumer inflation expectations have fallen too.

Another four Fed officials will be on the tapes on Thursday, hopefully shedding some much-needed light on the inflation debate. For now, it seems like investors are itching for the Fed to pivot, but are not fully confident one would be merited.

Wall Street clawed back opening losses on Wednesday despite the spike in Treasury yields to keep its solid start to the quarter on track. The S&P 500's surge of 5.7% was its best start to a new quarter in decades.

Key developments that could provide more direction to markets on Thursday:

India services PMI (September)

Australia trade balance (August)

Philippines unemployment (August)

Euro zone retail sales (August)

Fed's Mester, Cook, Evans and Waller speak

IMF's Georgieva speaks ahead of IMF/World Bank meetings

(Reporting by Jamie NcGeever in Orlando, Fla.; Editing by Josie Kao)

Wed, 05 Oct 2022 08:16:00 -0500 en-AU text/html https://au.finance.yahoo.com/news/marketmind-mixed-inflation-signals-200255316.html
Killexams : Spotify Launches Audiobooks Business With a la Carte Pricing, No Discounts for Subscribers

The audio giant, which is offering 300,000 audiobooks for purchase at launch, is positioning its books service as separate from its Premium subscription for music and podcasts.

After spending the past few years teasing its literary ambitions and acquiring the audiobook platform Findaway for $119 million (€117 million), Spotify has formally launched its audiobooks business with an à la carte model that will allow users to purchase and download individual audiobooks.

At launch, Spotify’s audiobooks catalog includes 300,000 titles from major and independent publishers for users in the U.S. Audiobooks can be discovered via the search function on the Spotify app, and buyers will be redirected to a separate web page to make their purchase. Once completed, users can return to the Spotify app to listen to the book, online and offline.

Unlike audiobook competitors such as Amazon’s Audible, which provides discounts and credits toward audiobooks for subscribers, Spotify is not offering audiobook discounts for Premium subscribers — at least at launch.

During a call with reporters, Nir Zicherman, Spotify’s vp and global head of audiobooks and gated content, said the company is actively exploring other business models but, after speaking with industry partners, determined the à la carte model “was the best way to begin activating audiobooks and learning from how people interact with individual titles.”

Since Spotify is acting as the retailer for its catalog of audiobooks, the audio giant is determining pricing for each title. Zicherman described the pricing as “consistent with industry norms” and noted that the royalty rates vary based on publisher.

The checkout process for audiobooks on Spotify. Spotify

And unlike its podcasts, which include ads even for Premium subscribers, Spotify will not be including advertising in its à la carte audiobooks business, though Zicherman said the company is “well positioned to explore” an ad-based model in the future, as well as other business models.

Though there will be no Spotify-exclusive audiobooks at launch, users can also likely expect to listen to those in the future, as the company previously experimented with the format last year with celebrity-narrated versions of classic novels like Jane Austen’s Persuasion and Mary Shelley’s Frankenstein. The company will also add algorithmically curated recommendations based on a user’s listening habits at a later date, but at launch, Spotify will lean on editorially curated recommendations for listeners.

“Just as Spotify has changed the way that people create and listen to music and podcasts, we believe we can do the same thing over time with audiobooks by offering new formats, new ways to interact with content and new ways to discover,” Zicherman said. “We want to be the company that brings audiobooks into the future, and we are extremely excited about what the future will look like.”

Tue, 20 Sep 2022 01:49:00 -0500 en-US text/html https://www.hollywoodreporter.com/business/digital/spotify-audiobooks-1235223861/?_escaped_fragment_=
Killexams : SSC JHT 2022 test on 1st October: download Junior Hindi Translator Previous Year Question Papers PDF

SSC JHT 2022 test on 1st October: Download the SSC JHT previous year’s question paper in PDF format. Also, check out the detailed test pattern, and marking scheme for the Junior Hindi Translator test here.

SSC JHT Previous Year Papers (PDF Download)

SSC JHT Previous Year Papers (PDF Download): The Staff Selection Commission is going to conduct the SSC JHT 2022 examination soon. As per the latest update, the SSC JHT 2022 test is scheduled to be held on October 01, 2022. The candidates who are going to write the test this year can resort to the SSC JHT previous year's papers. 

These previous year's papers PDF can be procured from the official website of the commission. Additionally, one can also download them from the direct link given on this page. SSC JHT is a very competitive examination citing the low number of vacancies reported by the commission. 

Candidates can adhere to the SSC JHT previous year's papers to get an insight into the level of the questions asked in the exam. Additionally, it helps know about the Topics that are asked by the commission for different subjects. 

Check SSC JHT 2022 Preparation Tips to Score High Marks

The selection process for SSC JHT 2022 has two rounds, a written test and a translation test. The first phase has questions from two subjects, General Hindi and General English. Whereas, the second phase is a translation test. In this round, candidates will be required to translate provided matter into Hindi or English within the specified time limit. 

Check SSC Junior Hindi Translator (JHT) Recruitment Eligibility Criteria 2022

SSC JHT test Pattern

The commission releases the official notification of the SSC JHT examination. This notification consists of the test pattern that the commission is going to follow to select candidates. Check out the highlights of the SSC JHT test pattern. 

  • The paper 1 is going to be held in the objective mode as a CBT. Whereas, paper 2 which is a descriptive paper shall be held in pen and paper mode. 
  • The paper 1 will have questions from two subjects, General Hindi and English. Whereas, paper 2 shall be having questions based on Translation and Essay writing. 
  • A negative marking of 0.25 marks is applicable on the wrong answers marked in paper 1 only. 

Check SSC JHT Junior Hindi Translator 2022 test Pattern & Syllabus

SSC JHT Paper 

Sections

Maximum Questions

Maximum Marks

Duration

Paper 1

General Hindi

100

100

2 hours

General English

100

100

Total

-

200

200

Paper 2

Translation

2

2

2 hours

 

Essay Writing

2

2

Download SSC JHT Previous Year Papers PDF

SSC JHT examination is going to be conducted soon. The candidates who have applied to appear for the examination for this year can check out the previous year's papers link. These papers can be used to get a real-time idea of the questions asked in the SSC Junior Hindi Translator examination earlier. 

Recruitment Year

SSC JHT Previous Year Papers PDF link

SSC Junior Hindi Translator 2022 Modal Question Paper (English)

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SSC Junior Hindi Translator 2018

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SSC Junior Hindi Translator 2022 Modal Question Paper (Hindi)

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SSC Junior Hindi Translator OMR Sheet

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Benefits of SSC JHT Previous Year Papers

The SSC JHT previous year papers are one of the best resources to excel in the examination. There are several other benefits that are offered to those who use the SSC Junior Hindi Translator papers. Check out the primary benefits in the section below. 

  • The previous year's papers of SSC JHT help in getting about the topic-wise weightage of different subjects. Candidates can use the papers to analyze the Topics that account for the highest and lowest number of questions in the exam. 
  • Attempt the SSC JHT previous year's paper to know about the questions that are repeated. The commission is known to repeat some questions every year. It is advised to highlight these questions and prepare them effectively. 
  • Analyze the SSC JHT previous year's paper to know about the difficulty level of the questions asked in the exam. One can also know about the type of questions that are prominent in this exam. 
  • SSC JHT's previous year's paper is one of the prominent resources to get an insight about their overall preparation. One can attempt the paper to know about the sections that require hard work. 
  • Lastly, one can study the SSC JHT paper to know about the overall structure of the examination asked by the commission. This is helpful in getting clarity for the structure, type of questions, etc.
  • The previous year's papers of SSC JHT are also helpful in getting a real-time idea of the actual examination. Candidates can attempt the paper to also get an idea of their overall accuracy and speed. 

The SSC JHT previous year papers should be checked to get an idea of the difficulty level of the questions asked over the years. One can download the previous year's papers of Junior Hindi Translator in PDF format and attempt the same.  SSC JHT is one of the prominent examinations that is conducted to appoint Group B translators in various departments of different government ministries. 

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