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John Gray

John Gray

Former Banker Risk Management

ex BMO ex JPMORGAN ex First Interstate ex Paribas ex BNS

  • I don't expect a mask to protect me from Covid 19. I wear a mask to protect my wife who has compromised health I wear a mask to help protect health care workers and I wear a mask to protect other people I come in contact with. I don't know what germs I carry but for some people with Corvid19 even a simple

    I don't expect a mask to protect me from Covid 19. I wear a mask to protect my wife who has compromised health I wear a mask to help protect health care workers and I wear a mask to protect other people I come in contact with. I don't know what germs I carry but for some people with Corvid19 even a simple cold could endanger their life. I just took Ruth to the hospital and every person there was required to wear a mask. We have an obligation to protect others . It may not be an exact explanation but to be blunt and rude, my wife's health is more important

  • The world traded democratic rights to deal with WW2. After the war the people took them back. Despite his effectiveness Churchill was voted out.

    Just recently in Canada the Liberal government embedded additional powers in the Covid 19 relief bill, and parliament rejected it. The bill passed only after

    The world traded democratic rights to deal with WW2. After the war the people took them back. Despite his effectiveness Churchill was voted out.

    Just recently in Canada the Liberal government embedded additional powers in the Covid 19 relief bill, and parliament rejected it. The bill passed only after the offending clauses were removed.

    Democracy is still important.

    I believe that fear will eventually fade and unless governments cede back the additional powers used to deal with crisis, their futures in the next set of elections would be very uncertain.

  • The probability that business will willingly change attitudes without an outside influence might be less than people would like to believe

    Consider Amazon,.Today Reuters reported on the working conditions of Amazon delivery drivers. It has been claimed that they have no protective equipment , that

    The probability that business will willingly change attitudes without an outside influence might be less than people would like to believe

    Consider Amazon,.Today Reuters reported on the working conditions of Amazon delivery drivers. It has been claimed that they have no protective equipment , that the performance standards on the time and number of deliveries don't give drivers time to wash their hands. Many of the drivers don't work directly for Amazon but contractors who have to adhere to Amazon's terms. No sick pay no insurance and for Amazon no liability. Considering Amazon's growth is this the prediction?

  • Solitude can be nice to visit, I wouldn't want to live there. I really don't need to pay real money to go there.

  • So far the reporting and prosecution of these

    " snake oil " salespeople has been too gentle.

    I believe that people who are preying on the fears of the public and enriching themselves at the expense of poor people are vile. They need to be charged convicted, publicly shamed, jailed, and fined so hard

    So far the reporting and prosecution of these

    " snake oil " salespeople has been too gentle.

    I believe that people who are preying on the fears of the public and enriching themselves at the expense of poor people are vile. They need to be charged convicted, publicly shamed, jailed, and fined so hard that living in a cardboard box under a freeway will seem like luxury. In the event that one of their "patients" dies the charge of at least manslaughter be added.

    Too harsh? Maybe but it's time to realize that so called economic crimes are still serious. Taking away all their money is the very least we can do.

  • There is no holy grail Vera Wang started by building a successful business. Only then could she experiment with her own designs added to her product mix.

    Her success as a designer can be attributed to four things

    1) starting from relative strength, a viable/visble business . The company won't fail

    There is no holy grail Vera Wang started by building a successful business. Only then could she experiment with her own designs added to her product mix.

    Her success as a designer can be attributed to four things

    1) starting from relative strength, a viable/visble business . The company won't fail if an experiment doesn't pan out. The business can grow.

    2) design talent to produce or aquire products that customers want. The ability to repeat .

    3) selling products that generate attention.

    4) matching price , demand and production.

    Vera Wang sells expensive exclusive desirable clothing has repeat business. The prices don't need huge economies of scale .

    Design talent alone will never guarantee success. The business plan of a single unique product priced for mass distribution is very weak. How many mattresses can a person use?

  • So ceo of Uber wants the independent contractors of the gig economy to be included in any stimulus program. Of course any stimulus program that includes Uber drivers will in the end benefit Uber.

    As an aside despite an innovative dispatch payment system the basic business model is not new but old

    So ceo of Uber wants the independent contractors of the gig economy to be included in any stimulus program. Of course any stimulus program that includes Uber drivers will in the end benefit Uber.

    As an aside despite an innovative dispatch payment system the basic business model is not new but old.

    No different than independent taxi drivers and independent seamstresses paid piecework.

  • At this point it seems the politicians aren't listening to comments from the Fed on the possibility of 30% unemployment. If an emergency fund doesn't directly help people it needs to be reworked.

    If it is dependent on corporate good behavior to distribute the funds history would suggest this is not a good idea.

  • An amazing story of hope. By saving tigers it shows that with cooperation and understanding people are saving themselves.

  • The longer the pandemic lasts the greater the probability that our society will have to fundamentaly change. How we will react to periodic episodes of Corvid19 is for now an open question.

    What we do know is some of the shuttered companies probably won't reopen.

    We know some companies are attempting

    The longer the pandemic lasts the greater the probability that our society will have to fundamentaly change. How we will react to periodic episodes of Corvid19 is for now an open question.

    What we do know is some of the shuttered companies probably won't reopen.

    We know some companies are attempting to capitalize on job losses to fuel their own growth.

    We also know overextended consumers with reduced incomes will have difficulty paying the rent or mortgages .

    That's depressing enough for now.