Shirts to Elevate Your Pants for a Masculine Appearance

Costello said that flatbed carriers with large fleets and high exposure to the housing sector are feeling the pinch. Costello projects a 20% drop on housing starts, their lowest level in 2016 Mike Regan (chief relationship officer and founder, TranzAct), a freight bill payments services company, stated that the next year could present a challenge for shippers.

He spoke with Bloomberg to discuss the similar threats facing the economy today. During a speech at Stanford University last week, World Bank president David Malpass warned that a “perfect storm” of rising interest rates, high inflation, and slowing growth could help trigger a global recession. In an attempt to slow down the sky-high inflation, central banks around world, including Federal Reserve, have aggressively increased interest rates in recent weeks. While these policies are intended to cool down the economy, they also elevate the risk of a recession. As the response from economists and global organisations regarding whether there will be a recession in 2023 and the effects of recession on the economy is mixed, it’d be wise for investors to keep themselves prepared for the event.

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Is There A Possibility Of A Recession By 2023? Analyzing The Impacts & Risks

The BOE intervened to rescue financial markets and bought UK bonds. However, the ripple effects from Trussonomics turmoil extend far beyond the offices bond traders. European bond yields are also spiking as central banks follow the Fed’s lead in raising rates to shore up their own currencies. The pandemic era has seen business boom across industries, even though historically high inflation has impacted profits.

• David Kelly, chief global strategy at JPMorgan Asset Management said that if a recessive event does occur, it will be “much more mild” than the one that occurred during the great financial crisis and the pandemic.
• Our Team Account subscription is for legal teams consisting of four or more lawyers.
• These risks include currency fluctuations and political and economic uncertainty in foreign countries.
• For companies with strong finances, the downturn may be an opportunity to access scarce talent, particularly in digital fields.
• ESG programs are used to guide corporate investments. They use criteria such as sustainability, philanthropy, safety and health.
• Morgan Stanley Wealth Management has no obligation to provide updated information on the securities/instruments mentioned herein.

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It can sometimes prove difficult to predict when a country might enter recession. Many of these products are from our partners who pay us a commission. However, our editorial integrity assures that the opinions of our experts aren’t affected by compensation. Tech and media sectors are already seeing layoffs and cost-cutting measures, which could be a negative sign for other industries. Recessions can cause a spike in unemployment. You may not be able avoid a layoff but you can prepare.

Is The Us In A Recession? The Latest News On The Stock Market, Layoffs And Inflation

This subscription will give you unlimited access to premium online content of high quality from respected faculty in the legal field. This is perfect for attorneys licensed in multiple jurisdictions or for attorneys that have fulfilled their CLE requirement but need to access resourceful information for their practice areas. License our industry-leading content to increase your thought leadership. She said that once that happens, the Fed will likely be slow in reversing rate hikes, as it wants to end inflation.

If rising interest rates succeed in cooling the market, some talent pools–especially those for digital skills–might open up. Many tech companies already have announced hiring freezes. Crypto companies have also begun layoffs. These companies’ management teams can begin with a thorough review, then focus on the P&L and balance sheet simultaneously (see sidebar “Taking stock”) Although they must contend with inflation, control spending, build operational resilience, and sweeten the deal to retain the workforce, the challenge is not confined to the P&L. These companies can make working capital a priority, look for opportunities to free cash, manage long-term liability, and exit non-profitable or noncore business that don’t provide liquidity benefits.

Unfortunately, bond markets, which are a safe haven when stocks and other assets fall, are also in tailspin. Apple stock dropped on Tuesday after Bloomberg reported that the company had abandoned plans to increase production of the iPhone 14 after lower demand. Mid-September saw investors experience a shock from one company whose fortunes served as an economic bellwether. Consumer spending accounts for roughly two-thirds of US gross domestic product. Consider other ways to earn more money–be it asking for a raise or adding another revenue stream through a side hustle.

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Management can now shift away from growing at any expense to generating cash flows, focusing on profitable and steady growth. This shift may take different forms depending on which industry you are in. Many of these companies are able to review their sales and market strategies to enable efficient, profitable growth. This is not a one-time effort. It will take time to build the long-term capabilities that will allow you to reap the benefits over the long-term. Sometimes, operations departments can be developed.

It is said that sunlight is the best disinfectant. A gimlet-eyed assessment can help management teams see past their biases to discover the strengths and weaknesses within their companies. Activist investors identify the main reasons for underperformance. This could be weaker margins or weaker growth. They push hard to understand which parts of a business create economic value and which do not and suggest how companies can unlock trapped value. As a starting point for the next turn in the business cycle, companies can’t do better than to understand how they compare with others in the cold light of day.

Roubini has not been the first to express his pessimistic views regarding the future of the economy. Roubini, who warned of a new “great depression”, predicted that the U.S. would be hit by a new “great recession” in 2020. He cited rising debt levels. And in July, Roubini predicted that a “severe recession and a severe debt and financial crisis” was just around the corner due to the growing number of zombie companies in the economy.

Diet and lifestyle can impact the effectiveness of teeth whitening treatments.  

Luminous white teeth are highly sought after. You may wonder why your teeth aren’t as white as they used to be. Even teeth that are naturally white and brilliant can lose their luster over time.  In this post, we seek to answer two questions: 

• What causes tooth discoloration?
• How can you bring your teeth back to their natural luster and shine?  

What causes tooth discoloration? 

There are a few reasons your teeth can become stained, discolored, or dull. 

1. Food and drink choices. Coffee, tea, dark sodas and sauces, mustard, red wine, blueberries, pasta and potatoes are the most common culprits of tooth stains. Unsurprisingly, the prolonged use of cigarettes and chewing tobacco also cause discoloration and other oral and health problems. 
2. Poor dental hygiene, including a lack of brushing and flossing can also lead to tooth stains. Counterintuitively, excessive fluoride use is associated with discolored teeth. 
3. As we age, tooth enamel naturally thins. This reveals the yellow-colored dentin underneath. 
4. Diseases, medical treatments and trauma can cause stains. These include certain childhood diseases that affect enamel development and injuries to the mouth. Medications and treatments such as chemotherapy, radiation, Tetracycline, antihistamines, and antipsychotics can also lead to discoloration. 

Preventing and cleaning tooth stains at home

The good news is that although there are many ways teeth become stained, there are just as many ways to restore your bright smile. 

• Reduce your consumption of foods and drinks that cause stains. When you do consume something that is known to stain, drink water to rinse your mouth. You can also try sipping liquids through a straw to prevent staining your front teeth. 
• Quit tobacco use to keep your teeth from yellowing and to preserve your health.
• Maintain a consistent oral health routine. Remember to stay away from whitening toothpastes.  They don’t work well and often deposit unnecessary amounts of acid on tooth enamel. Instead, opt for gentle  toothpastes with the ADA seal of approval. And be sure to visit Dr. Frahm for dental cleanings and check-ups. 
• Brush at least two times per day for two minutes each time. Our Clinical Hygiene Director Stacey recommends a toothbrush with gentle bristles. She prefers an electric toothbrush like Sonicare or Oral B to support gum health. 
• Flossing your teeth properly, everyday removes stain from between your teeth and along the gumline. 
• Nature’s whitening. Some fruits and vegetables offer beautiful benefits that include a wee bit of smile enhancement. Next time you’re at the farmer’s market, consider buying some broccoli and cauliflower from our local farmers. These veggies give your teeth a good scrub.  They may help remove light stains and add a bit of shine, all while offering your body some incredible nutrients. 

Teeth whiteners

If your teeth stains don’t respond to the preventative measures listed above, there are different types of teeth whiteners that are available either over-the-counter or through Dr. Frahm. 

Over-the-counter whiteners

Stick-on strips and tooth shaped trays are widely available at grocery stores, drug stores and online. The results vary depending on the product, but you can see some visible differences within a few weeks. You should note that there are a few risks and downsides. Not only do you run the risk of burning gum tissue inadvertently with ill-fitting trays and strips, but most at-home products require frequent touch-ups. 

Professional grade whitening

There are two types of long-lasting teeth whitening treatments available at Dr. Frahm’s office: in-office treatments and take-home professional grade treatments. Both are custom whitening treatments that meet your specific needs. The in-office treatments provide immediate results.  The eco-friendly Sinsational Smile treatment whitens teeth up to five shades lighter in only 20 minutes. The ZOOM system is another powerful option which whitens teeth up to 10 shades in under an hour. 

Another popular solution is a professional, take-home whitening kit. The kits include whitening trays that are custom-fit to your mouth. Each treatment is followed by a high-grade fluoride treatment which produces whiter, brighter results within two to four weeks. In-office and take-home whitening treatments last six months to a year. Best of all, with Dr. Frahm, your take-home whitening kit is free when you become a patient. 

If you are looking to brighten your smile, contact our care team at Dr. Frahm’s office to explore your options.