Watch Video ; Friendthem How it Works And The future of mobile App specifically GPS location based (part 2)

Money and Business show
http://www.radio-shalom.ca/site/emissions-1042







http://www.radio-shalom.ca/mp3/Programs/1042/MoneyAndBusiness_Friendthem170713.mp3
listen to show

Introduction
In the U.S., smartphones are in every hand. People are checking in, doing price research, writing restaurant reviews, sharing photos, map request and connecting with each other in real time all over the real world.

So If you had the opportunity to form meaningful connections with a whole wide world of interesting people - wouldn't you do it?
With the Friendthem app, you do have that opportunity. Everyone else who has downloaded Friendthem, has done so because they want to meet new people.
Friend requests through the Friendthem app don’t come from your personal history, the time you spent in grade school or the friends from places where you used to live.
Instead, Friendthem introduces you to the people directly and physically surrounding you at the places you are right now. People who share proximity and interests with you. People who want to be a part of your future.

http://www.friendthem.com/

                                         part 3

biography

Charles Sankowich  
Co-founder, Chief Executive Officer
Charles graduated from the University of California at Berkeley with a B.A. in Political Science. He worked on the New York Mercantile Exchange , worked as a trader on the floor of the new York mercantile exchange trading oil till the late nineties and then started doing pursuing ventures as well as pursued real estate development ventures.

Lac-Mégantic disaster opens debate over railway regulations

Smoke rises from railway cars that were carrying crude oil after derailing in downtown Lac Megantic, Que., Saturday, July 6, 2013. THE CANADIAN PRESS/Paul Chiasson


The catastrophic train derailment that killed dozens of people in Lac-Mégantic last Saturday was probably caused by a “series of things” and not the fault of a single individual, the Transportation Safety Board says.

TSB chair Wendy Tadros cautioned against casting blame on one person alone two days after the chairman of the company that owns the train said he believes an employee failed to properly apply enough handbrakes when he left it parked at the top of a hill on July 5. 

The federal Transportation Safety Board has shared details of its upcoming multi-month investigation into what it describes as possibly the worst train disaster in Canadian history.

TSB chair Wendy Tadros says the investigation into the Lac-Megantic tragedy will take many months — and perhaps longer.

She says 20 people are collecting evidence on-site, and 10 more people are working on the case in Ottawa."This may well be the most devastating rail accident in Canadian history," she told a news conference Friday in the town, where she offered her condolences to residents.

Zero Interest Rate Policy By the Fed: The Impact for Fixed Income Portfolios

TODAY LIVE JULY 10TH AT 4pm-5pm
Archive 
http://www.radio-shalom.ca/site/emissions-1042


 




INTEREST rates are very low around the developed world; near-zero in nominal terms and negative in real terms. This is part of a deliberate policy by central banks to discourage saving and encourage borrowing. It has also been seen as a way of boosting the stock market and thus as creating a wealth effect for individuals, and boosting confidence

Is Apple , Home depot and Rim A buy or A sell , Listen to our Expert

Money and Business show

Today well be discussing recent events in the market, break it down and really see what's going on. As we discuss the events well explore where investors should go and invest, and talk about several stocks.  


My name is Samuel Ezerzer, your host to the Money & Business show on Radio Shalom, CJRS 1650 AM. Thank you for tuning in live on the Money & Business show, with our Business studios headquarters in Montreal, the financial capital and the home to the greatest hockey team, the Montreal Canadians. We have another great show for you today and as always, you can call if you have any questions, comments, or criticisms on today's topic. Please call us direct at　514 738 4100 ext 200　or email me at moneyandbusinessshow@gmail.com　if you have any inquiries. You can also visit our website at http://www.radio-shalom.ca/　– all our shows are archived there.

On Radio Shalom money and Business show 1650am
http://www.radio-shalom.ca/mp3/Programs/1042/MoneyAndBusiness_Stocks260613.mp3 — with Jason Grischkan.




Graduated from JMSB with a major in finance and completed the Canadian Securities Course (a certificate type of degree in stock and investing). IN the process of completing the CFA designation ,started getting into finance around university time, have several years experience as an analyst and financial controller. enjoys following various markets such as stock and bond market,



1)What's going on in the markets? 
-Feds have been pumping 85 billion/month into economy To keep things going (give little background on this). Goal to reduce interest rates which leads to growth. Once this happens interest rates on loans will start rising 

-important note: the intention of the Feds was to signal that the economy is doing great, real estate is starting to rebound and therefore the economy doesn't need 85billiom pumped in every month.

What's the outcome?
-Investors pulling out of stock markets and buying bonds. Last week so much stocks were soldw in one day and the markets tumbled 3.5%. 
Jason: all of this because of a simple announcement?  

The stock market is characterized by investors overreacting to news and investing on emotion rather than on fundamental research

-we saw an example of this Friday, some journalists started tweeting mentioning how analysts misunderstood the Feds intentions and that things are fine. All of a sudden by the end of Friday the markets rebounded 54 points. 

After investors sell their stocks where does the money go?
-investors look around for new investments. Government bonds and inflation protected bonds become popular. This rush to the bond markets lowers the returns on bonds as demand increases. This makes them  less attractive And investors start  tolook abroad, selling US dollars leading to depreciation

What are investors really scared of? Are they really overreacting
-there scared of the potential that us could face what the Japanese faced (known as the lost decade)

-Japan: similar to us stimulus and bailouts. When gov stopped, deflation occurred. Deflation leads to lower prices (less profit for business) and lower wages (more unemployment) and  lower real estate values: essentially the economy grows very little.     For 10 years Japan economy stalled.

-of course there are some differences but the fear that deflation could occur is real. 




2) Where to invest? What to look out for? 
- emerging Europe since emerging economies are not as globalized and they are less affected.   look out for defensive industries (transportation, utility companies, telecommunication). Brazil and india good places too.  

more investor friendly middle east countries like turkey, Dubai
(largely supported by oil revenues and not leveraged like most modern economics) 

-canadian banks (good dividends and stable) 
-look out for us real estate market. Once it rebounds the us banks will rebound because they are leveraged on real estate. 

3) what's the difference between value and growth in a nutshell?
-value stock represent a company that has stable earnings and pays dividends (a % of companies income  paid out quarterly or yearly)  
The value of these stocks are mainly derived from its current income which is expected to slowly grow over time 

-growth stock represents a company that doesn't necessarily make much money today but Is expected to significantly grow in the future. Investors are willing to pay a premium in anticipation of this growth. Therefore growth stocks are often speculative in nature.

How do we know if a stock if value or growth? 

-p/e Ratio usually tells you
-p/e ratio is the price you pay for a stock relative to the current earnings of the stock, so if a stocks p/e is 15, you just Paid 15$ for every 1$ of earning the company made.
-growth stocks have high p/e (usually greater than 15). Just as discussed, investors pay a premium for growth stocks so it's not unusual to pay 30$ or more for only 1$ of current  earnings 
-value stocks usually have a p/e of less than 15 bc Investors are only willing to pay so much for a stock that has stable earnings and low growth over time. 

Talk to me about some stocks, and are they value or growth?


Apple 


Home depot 



Rim

Public storage 

Turkey a model of democracy and Islam and The road map to a culture of Peace in the Middle East

Wednesday July 3rd 2013 
4pm-5pm


On Radio Shalom 1650AM







Money and Business Show 
listen live via Internet
http://www.radio-shalom.ca/site/emissions-1042


Topic 
Turkey a model of democracy and Islam and road map to a culture of Peace  in the Middle East 

listen link to show
http://www.radio-shalom.ca/mp3/Programs/1042/MoneyAndBusiness_SinemTezyapar030713.mp3



Turkey recognized the State of Israel in 1949. Turkey’s first
diplomatic mission in Israel was a ”Legation” and was officially inaugurated on 7 January 1950 and the first Turkish Chief of Mission, Seyfullah Esin presented his credentials to Chaim Weisman, President of Israel. However, the Turkish Legation was downgraded to the level of “Charge d’Affaires” after the Suez Canal Crisis on 26 November 1956.

Israel signed a free trade agreement with Turkey in 2000. It was a historic accord, Israel’s first such agreement with a Muslim country. Since then, there has been a remarkably steady progression in trade and investment. The Two-way trade, having surpassed the $4-billion mark in 2011, far exceeds the level of Israel’s commercial relations
with Canada. By 2013, he noted, the figure is expected to reach $5 billion.

Today Live From Istanbul is Sinem Tezyapar a politcal and Religious commentator to discuss what she is doing to bring about cooperation and peace between Turkey and Israel as well as denouncing anti Semitism in The Middle East stay tuned!



My name is Samuel Ezerzer, your host to the Money & Business show on Radio Shalom, CJRS 1650 AM. Thank you for tuning in live on the Money& Business show, with our Business studios headquarters in Montreal,the financial capital and the home to the greatest hockey team, the Montreal Canadians. We have another great show for you today and as always, you can call if you have any questions, comments, or criticisms on today's topic. Please call us direct at 514 738 4100 ext 200 or email me at moneyandbusinessshow@gmail.com if you have any inquiries. You can also visit our website athttp://www.radio-shalom.ca/ – all our shows are archived there.

Today our guest is





Biography

Sinem Tezyapar is a political and religious commentator, peace activist and an executive producer at a Turkish TV network. She is a columnist, and her articles are being published regularly in the international media including Jewish publications like Jerusalem Post, Jewish Press, Jewish Journal, Arutz Sheva and so on.





She is also the spokesperson of a prominent international interfaith organization, as well as its coordinator for international relations with political and religious leaders. She is working with inter-parliamentary and non governmental organizations for the establishment of the United Nations Permanent Forum for a Culture of Peace and Global Ethics.





As a Muslim, she denounces terrorism, anti-Semitism, and all kinds of violence, She Often talks about Turkey’s role in the region, the problems of Jews and Christians in the Middle East, relations between Israel and Turkey, the Iran-Israel conflict, the latest situation in the Middle East, the concerns of the Western world about Islam and Muslims in general.

She has been influential in setting up many meetings and conferences between religious and political leaders of Turkey and Israel including Interior Minister Eli Yishai, Deputy Minister Yitzhak Cohen, Deputy Minister Ayoob Kara, Knesset Member Nissim Zeev, Chief Rabbi Yisrael Meir Lau, Chief Rabbi Shlomo Moshe Amar, Rabbi Haim Drukman, Rav Avraham Yosef, Rabbi David Stav and many many others. She is a personal friend of many Israelis such as advisors, experts, academicians, religious leaders and politicians.

And as well Sinem Tezyapar is an Executive Producer at a Turkish television network.



And joining us  live from Istanbul Turkey
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