Newsletter Issue #440

Entrepreneur & Author

JeffCorbett.com

Welcome to the Final Quarter of 2025

“Stock market trends?”   

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When you look at the stock market’s history, the final quarter of the year has often carried a modest but noticeable tailwind. Investors know Q4 as a period where sentiment tends to turn a bit more optimistic, supported by holiday spending, year-end portfolio positioning, and even something as simple as the “Santa Claus Rally” phenomenon.

On average, it has been one of the stronger quarters, and that pattern is worth keeping in mind.

What’s especially interesting is how these seasonal tendencies appear more clearly in non-election years. Election cycles often inject noise — heightened political uncertainty, policy speculation, and elevated volatility. Without that overhang, Q4 in a non-election year can sometimes allow the usual dynamics of holiday optimism and year-end momentum to shine through more cleanly.

October, in particular, historically behaves better when an election isn’t looming.

Of course, nothing in markets is ever that simple. History shows wide variation: some fourth quarters have been stellar, others forgettable. Macroeconomic shocks, central bank policy changes, or global events can easily override any seasonal bias. While averages and trends offer perspective, they’re not destiny. Investors who treat seasonality as a supporting data point rather than a guiding principle are often the ones who manage expectations best.

The takeaway is straightforward: yes, there’s a tendency for Q4 — especially in non-election years — to be a constructive period for stocks. But the real lesson is to temper optimism with realism. The seasonal tilt is a breeze at your back, not a guaranteed lift. As with all market dynamics, a steady focus on fundamentals and discipline usually carries more weight than the calendar.

Note:

As always, the purpose here is to provide perspective, not predictions. Seasonality can help frame expectations, but it should never replace thoughtful analysis or careful planning. With so much uncertainty in the world, discipline and prudence remain the best companions for investors.

We thank you for reading and sharing this journey with us as we aim to provide you the very best in international business and lifestyle.

Hope you enjoy this week’s issue.

• To review other editions of our newsletter please see our website:  GlobalCommonCents.com
• For more about my personal wonderings please see my blog:  JeffCorbett.com
• Jeff Corbett Biography

How to Improve Your Workday Alertness

“A few quick tips.”

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Staying Alert Through the Workday

A long workday can be both mentally and physically draining. By late afternoon, it’s natural to feel less sharp than at the start of the day. But when fatigue sets in earlier than expected, it can compromise not only productivity but also safety. Professionals who find themselves running out of steam mid-day may need to take a closer look at their habits to protect their health and their performance.

Skip the Afternoon Coffee

That quick caffeine fix may give you a short-term boost, but it comes at a cost. Research shows that caffeine consumed within six hours of bedtime can disrupt sleep, leaving you groggy and less productive the following day.

Choose Smarter Midday Meals

High-fat foods slow digestion, leaving you sluggish instead of energized. A lighter lunch filled with lean proteins, vegetables, and whole grains provides fuel without the crash.

Snack for Energy, Not Just Hunger

Skip the chips and empty calories. Snacks rich in fiber or protein—like fresh fruit or Greek yogurt—deliver a steady energy boost that keeps you going until dinner.

Rethink Your Exercise Timing

Exercise boosts energy and productivity, but the timing matters. Midday or afternoon workouts have been linked to greater productivity, while workouts too close to bedtime can interfere with sleep and leave you dragging the next day.

Conclusion

Sustaining alertness isn’t about a single habit but a combination of smarter choices—eating lighter, fueling wisely, exercising at the right time, and skipping late-day caffeine. Small adjustments can pay big dividends, helping professionals finish strong rather than fizzle out. After all, the way you manage your afternoons may determine how successful your tomorrows will be.

Bank Ownership in Panama

“Understanding Class A & Class B banking licenses.”  

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What it takes to establish a financial foothold in Central America

Panama’s banking system is structured around two distinct tiers. A General (Class A) license allows banks to conduct business with both Panamanian residents and international clients, while an International (Class B) license is designed strictly for offshore banking, limiting activities to non-residents. The ownership and governance of these banks are tightly regulated: all shares must be nominative (no bearer shares permitted), and full disclosure of beneficial ownership is mandatory. Applicants must submit a detailed business plan, audited financial statements, and background checks for all directors and senior executives. For foreign institutions, the Superintendency of Banks will often require a resident legal agent—typically a Panamanian national—to serve as a compliance bridge.

Capitalization is another critical requirement. For a General license, Panama mandates a minimum paid-in capital of USD 10 million. For an International license, the threshold is lower but still substantial at USD 3 million. These sums must be fully verifiable and deposited before operations can commence, ensuring that only well-capitalized institutions are permitted to participate in the sector. This requirement, along with rigorous due diligence, underscores Panama’s intent to maintain the stability and reputation of its financial system.

The approval process itself is relatively efficient compared to other jurisdictions. Once a complete application is submitted, the Superintendency typically renders a decision within 120 days. In practice, many applicants find that the initial review is completed in about 90 days, provided all documentation is in order and capital sources are transparent. After the license is granted, banks are expected to begin operations within six months or risk losing their permit.

All told, establishing a bank in Panama is not a casual undertaking—it requires significant financial commitment, detailed disclosure, and patience during the regulatory review. Yet, for those who meet the requirements, Panama offers a respected and strategically located banking hub at the crossroads of the Americas. Its two-tier system provides flexibility for both local and international banking models, making it an attractive option for serious financial entrepreneurs.

Publisher’s Note:

As always, the information above is presented for educational purposes only and should not be considered financial or legal advice. Banking licenses involve complex regulatory frameworks, and anyone considering such a venture should seek guidance from qualified professionals. My aim here is to provide perspective and highlight opportunities, not to offer instruction or recommendation.

How to Invest in Rare Books

“Profiting from fist editions.”

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Collecting rare books and first editions isn’t just about money—it’s about owning a slice of history. From timeless literary classics to modern bestsellers that have captured the public’s imagination, these works carry both cultural weight and financial potential. Condition, scarcity, and provenance matter, of course, but at its heart, investing in rare books should be a blend of knowledge and passion.

If you’re starting out, the best step is to educate yourself. Attend rare book fairs, connect with established antiquarian dealers, and spend time studying what sets a true first edition apart. Joining organizations such as the Antiquarian Booksellers’ Association of America can give you access to reputable professionals who know how to authenticate and guide. Always remember: condition and authenticity drive value more than anything else.

A good way to begin is with a modest budget and titles that personally resonate. Signed first editions, early printings of modern classics, or culturally important works can all be good starting points. Think about diversifying your collection—don’t just chase after the unattainable gems, but look at emerging collectibles that are steadily gaining traction, like early editions of Tolkien, Stephen King, or even Harry Potter. Over time, a carefully curated collection will often appreciate in value while offering the joy of ownership along the way.

Finally, don’t overlook the practical side. Proper storage is essential, as books are delicate and easily damaged by light, humidity, or poor handling. Rare books are not as liquid as stocks or bonds, so patience is part of the journey. In many ways, that’s part of the charm—investing in rare books requires a long-term view, an appreciation for history, and a willingness to enjoy the stories behind the books as much as the investment potential itself.

Publisher’s Note:

As always, I share these thoughts not as financial advice, but as perspective for those who might be curious about alternative investments. Rare books and first editions can offer unique rewards, but they should be approached with care, curiosity, and a sense of adventure.

Please keep in mind this information should not be considered as financial advice. Investment decisions should be based on individual research and consultation with a qualified financial professional. The value of investments can fluctuate, and past performance is not indicative of future results. Always consider your risk tolerance and financial goals before making investment decisions.

Strategies for Networking!

by Candace Smith
The Etiquette Blog
Candace Smith Etiquette

Biography:  Candace Smith, wife of Nobel Prize-Winner Professor Dr. Vernon Smith and owner of the extraordinary blog, “Etiquette for the Business of Life” as featured by BBC, Chicago Tribune and USA Today offers her insights.

“The art of making contacts.”

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Networking events can be daunting. Walking into a room full of strangers, you might feel pressure to deliver a powerful introduction or land a job interview on the spot.  But the key to successful networking often lies in something much simpler: small talk.

Mastering the art of casual conversation allows you to build rapport, discover shared interests, and leave a lasting impression. Here’s how to use small talk to become a networking pro.

The Art of Conversation

After the initial “hello” when meeting someone, find common ground with them to keep the conversation going.  Is there a shared experience at the event?  Comment on the venue, refreshments, or the speaker’s topic.

Remember to ask open-ended questions. Instead of a simple “yes” or “no” response, ask questions that encourage elaboration.

• What brings you to this event?
• What are you interested in learning today?
• What is your favorite thing about attending events like this?

As your questions are being answered, pay attention to what the other person is saying. This will require you to pause your thoughts and be present.  Make eye contact and avoid fidgeting.

Asking follow-up questions will help show your interest and build on their responses to keep the conversation flowing.  This demonstrates your attentiveness, builds rapport, and makes them comfortable in sharing more about themselves.  Being an active listener is just as important as speaking during a conversation.

Keep it Light and Positive

When you use small talk to find commonality, keep your focus there.  Steer clear of controversial topics or negativity. Look for opportunities to connect on hobbies, current events, or industry trends.

Your positivity will go a long way in making a good first impression.  Remember, your energy is contagious.  A smile and a positive attitude will make you more approachable and memorable.

Use Small Talk to Make Connections

Your objective when networking is to make connections.  As you discover shared interests, transition the conversation towards your goals and briefly mention your career aspirations or areas of expertise. This will build the bridge to the reason you are there.

Make yourself valuable, as well.  Is there someone in your network that you can connect them with?  Offer to share industry information or answer a question they have.

If all this small talk makes you nervous, try practicing in a low-pressure setting, like when waiting in line or while grabbing a coffee.  The more comfortable you are to use small talk, the easier it will be to navigate networking events.

Remember, communication is the foundation for building relationships.  Use small talk to help you transform an awkward introduction into a valuable connection.  Don’t underestimate the power of a casual conversation – it can open doors to new opportunities and propel your career forward.

Breathe Easy

by Morayma MaKay
Writer / Blogger & Content Creator
Adulthood Rewired

Biography:  Morayma Makay is a fashion model, mother, and writer.  She has
dedicated the last 20 years to working in the fashion and health fields as
both a researcher and content creator.

“The benefits of adding plants to your home & business.”    

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In today’s fast-paced world, we often overlook one of the simplest ways to improve our environment—bringing live plants into our homes and workspaces. Beyond their aesthetic appeal, plants play a crucial role in enhancing air quality, boosting mood, and creating a more calming atmosphere in the spaces we use most.

The Science Behind Cleaner Air

Indoor air pollution is a real concern, with contaminants such as volatile organic compounds (VOCs), dust, and mold circulating in enclosed spaces. Fortunately, NASA’s Clean Air Study found that certain houseplants can help filter out toxins and improve overall air quality. Through photosynthesis, plants absorb carbon dioxide and release oxygen, creating a fresher, healthier environment, while making our homes and workspaces cozier and overall just nicer to be in!

Health Benefits of Indoor Plants

Plants naturally remove toxins like benzene, formaldehyde, and trichloroethylene from the air while also providing us with optimal levels of oxygen. More oxygen means better focus, reduced stress, and improved cognitive function…which we can all certainly use in our lives! Plants also release moisture into the air, preventing dryness that can cause respiratory issues and skin irritation, while some studies also show that greenery indoors reduces stress and increases concentration.  All of this makes plants an excellent addition to any workspace.

Best NASA-Recommended Air-Purifying Plants

If you’re looking to enhance your space with plants, here are some of the top NASA-recommended varieties for improving indoor air quality:

Snake Plant (Sansevieria trifasciata)

Also known as the mother-in-law’s tongue, this low-maintenance plant removes toxins like formaldehyde and benzene while producing oxygen even at night—making it a great choice for bedrooms. If you don’t have a green thumb, this plant is virtually indestructible to boot!

Peace Lily (Spathiphyllum)

This stunning plant excels at filtering airborne toxins, and also helps to increase humidity levels, making it beneficial for people with respiratory conditions.

Spider Plant (Chlorophytum comosum)

Great for beginners, the spider plant removes carbon monoxide and other pollutants while being non-toxic to pets and very easy to care for.

Aloe Vera

Famous for its healing properties, aloe vera also helps clear the air of formaldehyde and benzene, commonly found in cleaning products and air fresheners. This plant is perfect for the kitchen where you can use it’s soothing gel for anything from minor cuts to burns.

Boston Fern (Nephrolepis exaltata)

A natural humidifier, the Boston fern works very well for reducing airborne pollutants while adding a touch of lush greenery to your favorite space.

Incorporating live plants into your home and office is one of the easiest, most and effective ways to create a healthier and more inviting environment. Whether you choose a low-maintenance snake plant or a lush Boston fern, these green companions will help you breathe easier, feel better, and work more productively in or away from home!

Understanding Hot vs. Cold Therapy

“When to reach for heat,  When to reach for ice.” 

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Understanding Inflammation

Inflammation can affect anyone, and those who have dealt with it rarely describe the experience fondly. Yet, in its purest form, inflammation is the body’s defense mechanism. When white blood cells and their chemical messengers go to work, they’re protecting against bacteria, viruses, and other invaders. The trouble arises when this immune response misfires, turning on the body’s own tissues and leading to pain, stiffness, swelling, and loss of function—especially in the joints.

Heat Therapy

For centuries, heat has been a trusted way to ease pain and stiffness. Increasing blood flow and loosening connective tissues, heat can temporarily reduce discomfort, calm muscle spasms, and improve flexibility. Whether through hot packs, paraffin baths, or hydrotherapy, heat often provides relief for people with chronic conditions like worn cartilage or stiff joints. Moist heat, in particular, can soothe persistent neck and muscle pain, making it a common go-to for long-standing aches.

Cold Therapy

Cold, or cryotherapy, is better suited for acute inflammation—especially when pain and swelling are recent. Ice and cooling sprays can numb the area, reduce spasms, and calm flare-ups associated with arthritis, muscle strains, or tendon injuries. By easing swelling and numbing tissue, cold therapy can be invaluable immediately after an injury, or when inflammatory arthritis suddenly worsens.

Comparative Conclusion

Both heat and cold therapies have their place in easing inflammation, but their effectiveness depends largely on timing and the nature of the discomfort. Heat works best for chronic stiffness and ongoing aches, while cold is the choice for sudden flare-ups, swelling, or fresh injuries. In that sense, the two are less rivals than complements—tools to be used selectively, often in tandem, to give the body its best chance at healing. As always, consultation with a physician ensures the right approach for each individual.

Get to Know Your Oktoberfest Brews

“The 2025 festival ends this week.” 

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The Tradition of Oktoberfest

Oktoberfest is a German celebration that kicks off in late September and runs into the first week of October. What began in 1810 as part of the wedding festivities for Bavarian Crown Prince Ludwig and Princess Therese of Saxe-Hildburghausen has since grown into one of the world’s most recognized festivals. Today, this 16- to 18-day event attracts millions of visitors to Munich each year, all eager to enjoy the food, music, and—most of all—the beer.

The Origins of Märzenbier

At the heart of Oktoberfest is Märzenbier, or “March beer.” Centuries ago, Bavarian brewers stuck to a strict winter and spring brewing schedule, when cooler temperatures helped preserve beer before refrigeration existed. The last brews of the season were crafted in March, made stronger with higher alcohol and hop content so they would last through the summer. By fall, the remaining stock had to be cleared to make room for the next round of brewing—a perfect excuse for a party.

The Character of Märzen

Originally, Märzenbiers were dark, full-bodied lagers. Over time, they evolved into the deep golden or copper-colored beers most often associated with Oktoberfest today. Modern Märzens are crisp and clean, offering aromas of toasted malt and caramel, with a balance between malty sweetness and a gentle hop bite. Depending on where they are brewed, Märzens can range from pale to amber to dark brown, with Austrian versions tending to be lighter in body and flavor than their German cousins.

Brewing for Oktoberfest

Only six Munich breweries are permitted to produce the official beers served at Oktoberfest: Augustiner, Hacker-Pschorr, Löwenbräu, Paulaner, Spaten, and Hofbräu. Each follows Germany’s famed purity law, the Reinheitsgebot, which strictly regulates ingredients. Their Märzenbiers remain the standard for Oktoberfest, carrying forward a tradition more than 500 years in the making.

Enjoy Planning the Perfect October Escape

“October 13th is duel holiday in US & Thanksgiving in Canada.”  

——- 

For fans of fall, few things compare to the crisp, sunny afternoons that October reliably delivers. Early in the month, the heat and humidity of summer are usually gone, leaving behind comfortable temperatures and spectacular scenery. Whether it’s raking leaves in the backyard, tailgating before a football game, or just taking a long walk, October has a way of making time outdoors feel restorative.

This year, October brings with it a built-in opportunity for a three-day weekend. Columbus Day and Indigenous Peoples’ Day both fall on Monday, October 13th, giving many across the United States a chance to enjoy an extended break. It’s the perfect excuse to plan a quick trip, reset your perspective, and soak in everything autumn has to offer. Here are a few ideas worth considering:

Camping and Hiking

Nothing connects you with the season quite like stepping into the woods. Rural areas and nearby parks offer an easy escape for an overnight trip or even just a day hike. New Yorkers can find magic in the Catskills, while Chicagoans can take a short drive to White Pines State Park. No matter where you are, a few hours in nature is time well spent—whether the leaves are just turning or already past their peak.

Festivals and Food

October is festival season. Many towns and cities host fairs, harvest celebrations, and community gatherings. Italian food and cultural festivals are also common around Columbus Day, adding a culinary layer to the fun. Checking local visitor bureau calendars can help uncover hidden gems within just a short drive.

Off-Season Ski Towns

For those who prefer mountain air, ski towns in Colorado or Vermont can be a smart choice this time of year. With summer crowds gone and ski season not yet in full swing, hotel rates drop, restaurants are quiet, and visitors can enjoy the charm of Aspen, Telluride, or Stowe without the usual rush.

Warm-Weather Escapes

Not ready to give up the sun? Head south. Miami, for example, is known for hosting a massive Columbus Day festival that draws guests from around the world. Costumes, parades, and plenty of fun make it a vibrant alternative to cooler destinations.

Celebrating Indigenous Cultures

For those who prefer something more reflective, traveling to states with large Native American populations—such as Alaska, Oklahoma, New Mexico, South Dakota, Montana, or North Dakota—can offer opportunities to learn, participate, and experience Indigenous culture firsthand. Celebrations and educational events often highlight traditions that have shaped these regions for centuries.

As the holiday season looms on the horizon, October provides one last chance to slow down, travel light, and enjoy the season. A well-timed getaway now can set the tone for the busy months ahead.

Savor the Autumn Colors of 2025

“A few Ideas – plus a map of current fall colors.”

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Millions look forward each year to the magnificent colors on display in autumn. Whether standing atop a mountain ridge or wandering deep within the folds of a forest, the views are irreplaceable. Add in the crackle of leaves underfoot and the earthy fragrance of the season, and fall becomes a full sensory experience. In 2025, many travelers will once again take to the road in search of beautiful distractions from the ever-present din of politics. A little advance planning can make those foliage trips even more enjoyable and awe-inspiring.

Peak Viewing Times

The northern-most regions always lead the show, with color beginning to appear in late September, while southern areas peak later. In much of North America, leaf-viewing season runs from late September through early November. For large swaths of the U.S. and Canada, the prime window is late September to mid-October. The Weather Channel conveniently provides foliage maps and charts to help track the best times for various regions.  Weather Channel Fall-Foliage

Pick Your Destination

Any place with deciduous trees promises a dazzling display, but some areas are legendary. New York’s Catskill and Adirondack Mountains remain perennial favorites, while Vermont goes so far as to publish routes for the best vantage points. Further south, Virginia offers prime viewing in late October, and the Great Lakes region bursts into fiery reds, oranges, and yellows as early as mid-September. From coast to coast, there is no shortage of leaf-peeping opportunities.

Be Ready for the Adventure

Pack wisely. Smartphones take amazing photos, but serious enthusiasts may want their prized camera gear in tow. Comfortable hiking boots, layered clothing, and a good map (or GPS) are essentials for exploring beyond the main roads. Cash also comes in handy, as many smaller towns and shops may not take cards. For those looking to extend the day, consider nearby vineyards, orchards, or local festivals. A fall foliage trip is not only about what you see, but also about the experiences and memories you gather along the way.

Publisher’s Note:

There is something deeply grounding about autumn. The rhythm of the seasons reminds us to pause and take in beauty that is fleeting but timeless. In a world that can often feel overwhelming, fall offers a natural respite – a chance to step outside, clear the mind, and simply be. Whether it’s through a road trip, a hike, or a quiet afternoon at a vineyard, I encourage you to make space for those golden moments this year.

Your Weekly Edge in One Newsletter!

Wealth, Health & Performance!

“Challenging Traditional Thought to Gain Elite Performance”

Global Common Cents is an online periodical published by Corb7 International Inc. offering cutting-edge content across various categories critical to entrepreneurs and anyone who wishes to stay inform on such topics as International Business, Fitness, Cuisine, Leisure & Style, Lifestyle, Motivation, and Travel.

Published every Wednesday at 4:15 am Pacific Time / United States.

We also offer our site (listed below) which features articles, past & present newsletters, and recurring sections like “Popular Posts” and “Latest Posts,” with contributions from various writers and experts. The platform aims to provide readers with informative and engaging content on topics ranging from financial matters and etiquette to well-being and travel experiences. Founded by Jeff Corbett, it also offers resources like free e-books and explores trending topics, encouraging readers to stay informed through its newsletter and social media presence.

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