The Big ‘Lies’ About Our Economic Prospects

In the spring of 2007 I hosted a conference for a group of insurance professionals. One of the most popular speakers was my old friend the economist Roger Martin-Fagg. He was his usual entertaining self, but took everyone by surprise by suggesting that the world economy was on the brink of a meltdown the like of which we had never seen before, and it was going to happen soon – probably within 12 months. Yes, he predicted the financial crash of 2008 a year before it actually happened.

Now in Spring 2007 the world economy was doing very nicely thank you. Following three consecutive years of good growth, averaging 3.8% it was expected to fall only slightly in 2007 to 3.6%. Meanwhile the UK was doing pretty well too. House prices had risen from an average of £150,633 in January 2005 to £184,330 in May 2007 – a rise of 22.4%, whilst wages grew by an average of over 5% per annum between 2004 and 2007. Inflation on the other hand was under control and only rose by an average of 3.25% in the same period. Furthermore, between 2003 and 2007 the FTSE All Share Index grew by 49%, so overall everyone was feeling pretty optimistic about the prospects for the future. No one, other than Roger was saying anything about a recession, never mind a full blown crash!

So, when Roger issued his dire warning, the overwhelming response was to laugh it off – in the same way that we would laugh at a soothsayer predicting the end of the world. Eccentric yes, and likely to happen eventually, just not anytime soon.

You can imagine that those of us who were there in 2007 are far less likely to write off Roger’s opinions now than we would have done previously.

I was therefore pleasantly surprised, and heartened to receive his latest Economic update, penned on 16 June. Once again he is at odds with the mainstream view, and indeed is critical of others talking world economic prospects down. He opens his piece by saying that the press is being irresponsible in the way it is reporting our economic outlook. His opening paragraph reads:

“Last weekend the Daily Telegraph had a banner headline: ‘Britain’s biggest ever collapse in GDP wipes out 18 years of growth’. This statement is completely wrong. I am concerned that individuals who are trying to make the right judgement call are being fed this nonsense. To be clear: 18 years ago our GDP was £1 trillion. It is now £2.2 trillion. The reduction in spending in April was 20% on the previous April. The monthly flow of spending averages £200bn. 20% of that is £40bn. The media, as we know, impact emotion and decision taking. That Telegraph article is therefore both economically illiterate and irresponsible.”

Wow! Hard hitting stuff. And the perpetuation of such comments is still evident a week later. In the Sunday Times on 21 June Sajid Javid is quoted as saying:

“We’ve seen a 25% fall in GDP in two months. To put that in some perspective, that is 18 years of growth wiped out in two months.”

And that’s from our erstwhile Chancellor of the Exchequer, who should be anything but economically illiterate!

In his update Roger goes on to suggest that, despite what the world and his wife are saying, we are not going to have a recession. Indeed, whilst he acknowledges that quarter 2 of 2020 will be significantly negative, he expects quarter 3 to be significantly positive, and predicts that the UK economy could grow by 8.5% in 2021, with the World economy back to 2.5% growth next year too.

His argument is that the fundamentals for a recession don’t exist in the same way as they did for previous recessions; rising prices and interest rates squeezing individuals and companies alike in 1979 and 1989, and banks stopping lending in 2008. The common factor is a shortage of money available, and that’s not the case this time around. Households have seen a reduction in income, but a larger fall in what they’ve spent, and the UK Government is spending an extra £40bn a month pumping new money into the system, so no shortage here. Roger predicts a mini boom to take off in the next few months as a result of this excess cash in the system, with the only thing that could dampen it being the media reporting company closures, an increase in the R well above 1, and stories of mass redundancies.

I don’t propose to reproduce all Roger’s arguments here – you can read the whole article at https://www.ellisbates.com/news/june-2020-economic-update/ to get the complete picture, but I would say his reasoning and logic are very persuasive. And I for one would not bet against him. I also fully endorse his condemnation of sensationalist reporting in the media. They have to take more responsibility for the message they send out as, rightly or wrongly, people do listen to them. A more even handed and less melodramatic approach to reporting would benefit us all. After all, we all know the power of ‘fake news’ by now, don’t we?

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It’s About Time to Provide the Option of Online Rent Payment

Collecting Rent Online

The landlords, property managers and tenants of today expect everything to be convenient, simple and fast. It is very stressful for busy tenants to keep pace with bill payments, line up at banks, keep track and make sure they are not charged with non-sufficient funds. For this reason, it is a must to have an online payment system.

An online rent payment system will help alleviate their present payment and money transaction problems. Since tenants love using smartphone apps, most of them will be glad with this new service. It is about time to check out rent payment systems and present day property management software that incorporates online payment.

Landlords who have not yet offered online rent payment to their tenants will realize the hidden advantages behind using online payment as contributory to an automated property management system.

Making Business Stay Competitive and Cost Efficient

Due to the depreciation of client property margins and the growth of portfolios, it is a must for property managers of today to use the ideal property management digital technology so they can maintain their income. It is best to keep watch of income erosion through property management functions or make rent payment simple and almost invisible.

Cash flow disturbance and late payments are among the issues faced by landlords, property managers and investors. It is better to be safe than sorry.

Online rent payment is best for investors and property managers that have properties in different countries, cities or states.

Processing checks manually or transferring them from one bank to another can create a number of issues. It can take more time, costs and stress to go through banking time, processing periods as well as currency exchange.

Advantages for Property Managers and Tenants

Paying online reduces paperwork and maintenance.
A lot of renters prefer to pay online.
There are several different ways of affecting online payment.
Tenants are able to pay anytime using any device.
Once incorporated into the property management software, online payment gives a single account, wherein it is easy to view payment history.
It is convenient to pay via Paypal or credit cards.
It consolidates all types of payments.
It schedules recurring payments.
Payment processors can guarantee payments on time.
Through a single application, residents who share rent are able to synchronise payments.
Paying online has become an industry standard.
Payment processors deliver value added services (such as mobile apps, online, smartphone and sms) that use well-known payment methods (like Paypal, credit card, debit card and eCheck).
It enables tenants to pay property owners as well as split deposit straight to their account.
Tenants who pay on schedule can connect with the credit bureau to boost their credit standing.
It is easier to facilitate security deposits plus the previous month’s rent check payment.
Saves time for landlords/property managers since they no longer have to go to the bank.
It minimizes charges, arrears, payment delays and running after tenants to get payments.
It provides software/app interview to view payments as well as cash flow.
The payment status of tenants can be viewed in real time.
Information to be included in property owners’ reports can be relied on.
It makes it easier to pay utility bills and storage fees, among others, on a monthly basis.

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Forex Trading – The Best Platform to Trade

The term trading is very familiar to humans since the time of civilization. Barter system was its first form practiced in ancient times which involves exchange of goods. It involves the transfer of goods and services between persons or entity, often in exchange of money. An arrangement which allows the process of trading is known as market. With time the definition of trading have also evolved. Now it is not limited to exchange of goods and services rather now a days trade involves negotiation in money(and credit, commodity and non-physical money).
Moreover with the advancement of technology trading have become more convenient, now with digitization one can trade effectively from their home and earn profit.
For trading one of the best platform now a days is Forex. Forex stands for “Foreign Exchange” and is where trade happens with currency. It is a decentralized global market where all the world currencies trade. Forex Trading has evolved to a great extent. In current scenario, Forex is ruling global market and has became the best platform for investing. It is the world’s most traded market. It has earned a reputation of money making machine, people invest in Forex and with right strategies and proper timing earn tremendous profit for themselves and their families.

HOW TO TRADE IN Forex?

In Forex Trading the very first step is to open up an account. Now when you have your own account you can trade in Forex in two ways, the first one is the simple buying and selling of currency pairs and the second one is through the purchasing of derivative where you wait for the value of the currency pair to increase. As technology has evolved so much, trading in Forex is no longer a cumbersome process. Now even a beginner can trade in Forex successfully as there are many research firms available which provides best strategies and timing for successful trading.
With internet and advance gadgets one can always be on trading platform and can trade 24 hours, 5 days a week. Perk of trading in Forex is that one need not to do a huge investment for it and can start with a reasonable amount instead.

TRADING WITH Forex SIGNALS-

Forex Trading gets more simpler with the help of Forex signals. These signals are primarily the ideas that indicate the current market trends in real time. One can use these signals to know when to sell and buy, as these signals are prepared after core fundamental and technical research. There are thousands of advisory firms and individuals who performs pure research over Forex market and provide live and real time tips to trade successfully. There are many Forex signals approaches available in the market, one can choose from them and perform Forex trading. All you have to do is to find the signal service provider that you believe can provide strong and accurate signal. They will then alert you when investing in Forex is favorable. You can get the Forex signals over your mobiles and systems anytime, also there are many applications available which are totally dedicated for Forex trading. These application provides you with live signals and tips for effective trading.

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5 Top Advantages of Promotional Tents for Events

Business Can Be Taken To Different Locations

Most companies conduct business and engage with potential customers by means of showrooms. However, the problem is, traditional showrooms are rigid and inflexible. If they want to let more people from other places know about their brand, it is best to rent or purchase a marquee tent, which is available at local event companies.

All they need to do is set up the pop up tent at trade shows, community fairs, markets or wherever their customer base is located. They will have their own space and use customized branding so consumers will remember their business.

Boost Engagement Using a Standout Display

Companies can network and engage with prospects at trade events. However, it can be hard to get the people’s attention when there are lots of other businesses around. Therefore, they need to do something to let their company stand above the rest of the crowd.

They can customize their event tents with colored walls of their choice and canopies. They can also print their branding in full-color text complete with graphics. High quality tents can draw more customers and provide them with an opportunity to market their brand and products.

When businesses participate in trade events on a regular basis, a marquee event tent can help a lot.

Tents are versatile and User-Friendly

A number of the biggest companies join extravagant traveling road shows that feature modified trucks and campers. This can be cost prohibitive for a lot of businesses. On the other hand, a tent can be a versatile and cost-efficient solution that offers most of the several advantages given by a motorized showroom.

Modern tents are not only safe; they are also easy to assemble using uncomplicated tools. Basic marquee tents can be assembled by only a few skilled team members, reducing costs in the long run.

Marquee Tents are Effective for Sponsorship

One of the effective ways to develop a brand is by engaging with a community. When a business entails some sort of sponsorship, it would be a great idea to rent a marquee tent for a single event or invest in a customized one to use for a long time. This can be used in community functions, sports events and local farmer’s markets, to name a few. When businesses are active in their community, using a tent with clear, visible branding can provide people with a shaded area during events.

They can optimize their marketing by means of creative brand exposure at sponsored events.

Promotional Tents Are Cost Effective

To minimize costs while keeping their business lean and agile, companies can rent or buy a commercial/event tent from their local event tent company. A marquee tent allows them to set up wherever they are, when they are hosting an event on their property or heading out on the road.

The features of versatile marquee tents include interchangeable canopies and walls, mounting solutions for decorations and lighting plus connecting structures that can create a bigger complex of tents for projects like trade shows.

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Important Factors to Consider When Creating a Website

Purpose of Creating the Website

When a website is built with a purpose in mind, this will let businesses have clearer goals that will enable them to improve the whole planning process. Website projects have different goals including building traffic and improving communications between a brand and its target audience.

Prior to developing a website, it is crucial to know the exact purpose of the website. Businesses should also know the best way to set goals and create a website that meets this ultimate purpose. These important things to consider will help them create a focus and support the whole project.

Web Design and Layout

The way a website is designed, in terms of UI and UX, psychologically affects the way people respond. There is nothing better than a remarkable online user experience. When a website is being developed, one vital factor to keep in mind is creating an appealing design. Clean, quality designs allow viewers to focus on valuable content displayed and the brand’s essence.

Typography

It is very important to understand the typography fundamentals for a website. Texts that are extremely big or small can have an effect on the viewers’ response to them. Fonts should be given close attention, choosing one that directly draws the target audience without compromise to the brand’s purpose.

Security

A lot of websites fall prey to hackers either because of ignorance or poor maintenance. Any website can become a victim of several threats including malware and viruses, among others, particularly due to the latest advancements in technology and constant updates that make websites open to many, different risks.

Performance and Speed

Even if websites have great content, visitors can be discouraged when they are slow due to functionality errors. An optimized website that functions fast can benefit from the following: increase in returning visitors/customers, higher search result ranking (that has an effect on traffic) plus efficient mobile performance. These should always be considered before building a website to make sure of an overall effective performance.

Target Market

It is also important for businesses to know their target market and customers’ requirements to build a website that addresses their needs. For instance, a website designed for fashion enthusiasts is far more different than a site built for engineering professionals. A clear understanding of the market specifications will give a clearer picture of the web design, colors, style theme, layout, call to action and content strategy.

SEO and Important Plugins

SEO is among the most important aspects of a website. Even with great content and other smooth functionalities, everything will be pointless if SEO is not given importance. Creating a website that has a clean SEO code will make it easier to be visible to the target audience.

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6 Elements of Web Design That Are Crucial to Success

1.Call to Action (CTA)

Customers get encouraged to engage with a business when there are calls to action (CTAs) on its website. For instance, words like “Contact us today” shows that a business wants to build a relationship with its customers. However, businesses should make sure that CTAs are relevant to a visitor’s level of engagement with the company.

When visitors are only starting to learn more about a brand, the company can ask them to subscribe to its email newsletter. On the other hand, loyal customers will probably like to join a brand’s loyalty rewards program. No matter what companies want visitors to do at their site, they should add a call to action on all their web pages.

2.Short Loading Time

Whenever people search information on the web, they like the loading time to be as quick as possible. Otherwise, they will leave the website at once. Testing their website beforehand will allow them to determine loading time problems, which can be addressed in time for the site’s release.

Providing customers with a great user experience will increase customer retention so it is best to evaluate a site’s loading time the moment it has launched. With short loading times, customers get the information they need when they need it. When a website fails to deliver, it will be left behind by competition.

3.Active Blog

An active blog enables customers to remain updated on the company’s events, most recent products and other industry-related info. It is an effective way to stay connected with them, particularly if the things that companies post encourage viewers to engage with their brand.

Updating their blog on a regular basis lets customers know more about their brand’s values and willingness to encourage communication. When they deliver fresh, relevant, engaging content to users, their brand becomes recognized, which makes them an authority in the industry.

4.Clean, SEO-Friendly Code

It is crucial for companies to have a clean, SEO-friendly code when they are creating new web pages or optimizing those that already exist. Improving a site’s code can boost the overall ROI (return on investment).An SEO-friendly code give a clean picture of a site’s content to guide search engine spiders.

WordPress and other CMS services offer plug-ins that can make the process of boosting search engine rankings and cleaning up code easier. Since WordPress does not require much knowledge on coding, it is a viable solution for companies that struggle to drive traffic to their sites.

5.Compatibility with Different Browsers

With the progress of technology comes the steady growth of internet browsers. It can be challenging to keep up with Internet Explorer, Chrome, Safari and Firefox, to name a few. In designing a website, it is a must to make sure that a website can be reached from different browsers.

A site should register well on the major browsers as well as the older versions. Ignoring this important step may disregard a big percentage of a company’s customer base. It can bring about unnecessary expenses to a developing business.

6.Navigation

When customers find it hard to navigate a website, they will leave and move on to other sites. To make navigation more appealing and efficient, businesses should review their site and look at it in the eyes of a new visitor. They should only choose sensible navigation streams.

Including a site map is an effective way to allow visitors to navigate more easily and search engines to crawl a site. In addition, streamlining navigation by removing pages that are not needed or do not perform can reduce load time, which in turn improves the quality of a brand’s online presence.

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Should You Go for Mobile Sites or Responsive Sites

According to statistics, using mobile devices to conduct searches online has considerably grown in the last two years. As a matter of fact, about 95% of mobile device users depend on their gadgets to look for local products and/or services. For this reason, businesses have to make sure that their websites register well on all kinds of devices to reach this increasing number of mobile users.

It is but wise for large companies with web presence to create a mobile-friendly website that can be clearly viewed from any device. So, when businesses plan to launch a new website, it is best to choose a responsive web design that is able to adapt to any mobile device.

Incorporated with Social Media

Nowadays, websites are required to be integrated with social media. Due to the latest technology, sharing information is now more convenient therefore; businesses that do not incorporate social media fail to benefit from the so-called modern day word-of-mouth marketing.

Social media paves a way for customers to promote a business’ brand, give reviews and be updated about the latest news on the company. Platforms such as Facebook, Twitter, LinkedIn and Pinterest make it easy for businesses to distribute their written and visual content like product images and brand videos.

Captcha Tests

Businesses that do not have ready captcha tests receive nothing but spam in their contact forms, website forms and comment sections. Such tests that come in the form of random letters and numbers typed before submission of a web-based form, spell the difference between humans and robots.

Including these short captcha tests in their contact forms will make sure that humans alone are able to utilize their site’s resources, which let them save both time and costs.

Efficient Security

As technology evolves, the latest, more advanced security risks have greater chances of compromising a website’s reputation. These include malware, viruses, malicious apps as well as the dangers posed by hackers. Websites have to prevent security breaches on the front and back ends.

Ecommerce sites and other websites designed to conduct online transactions require extra security measures to secure customer personal details. To reduce the possibility of browser-based risks, businesses should include SSL certificates in their websites.

While this is being developed, it is crucial to go over the security features added to the website’s framework and design. It is important, as well, to conduct security checks on a regular basis or else, hire the services of a provider for the job.

Customer Testimonials

Customer testimonials, just like offsite reviews, can be used to promote businesses. Including customer testimonials on a site will reveal more about a company’s products, services and customer commitment.

When companies have an existing loyal customer base, they can solicit some online reviews. In case these customers provide their recorded testimonials, this is the right time to make branded videos. The more sincere and detailed testimonials provide more chances of drawing new customers.

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Better Academic Outcomes In Small Schools

Small schools have great variety. We learned that we don’t need standardized schools — that kills the soul! In Chicago we saw fabulous small schools that were Afro-centric, schools that focused on phonics, fabulous small schools about whole language, small schools that are using the city as a place to investigate. Why? Because they were small, they were focused and they beat the odds on academic outcomes. Small schools are the single most powerful intervention that we can imagine for young people. And the evidence at high schools was even more powerful, as you’ll see in our report.

Learning Lessons

There are now data from 25 years on big mistakes we make when we’re reforming high schools. The data reveal these myths:

• Myth One: You can reform schools incrementally. Forget it. You never get to where you thought you were going. Despite your anxiety, work the hard issues up front; you cannot work your way into them. You cut too many deals if you ease off and make everybody happy in the beginning. And I see a lot of people doing that. I’ve seen too many schools start out saying we’re going to break big schools into small schools. They keep almost everything the same. And within three years, they end up with a couple of interdisciplinary classes. The bottom of the school — where failure is more evident — is never touched.
• Myth Two: You can keep the same infrastructure. We’re still going to have the principal, the 16 vice principals, all those deans for discipline, the boys’ deans and the girls’ deans. And department heads and counselors that are organized by an alphabet, and then classroom teachers, who are doing the real work. And what we’re going to do now, maybe, is take the department heads and make them the heads of the small schools. Forget it. This is a time for serious conversation. Where I’ve seen it done well, like in New York City, labor unions have been fabulously supportive. Yet, I keep hearing from management how labor won’t go for it, so they’re not willing to push the limits. You can’t keep the same infrastructure.
• Myth Three: You need a separate ninth grade. One lesson is don’t do a ninth grade school – a kind of vertical, horizontal thing. You just create another threshold, and then the students drop out after ninth grade. If you’re going to build a community, it’s nine-12. And you know what, the seniors do not molest the ninth graders. They help them!
• Myth Four: Veteran teachers are cynical. “Old” teachers can’t and won’t do what’s necessary, and their experience equals burnout. We have seen the limit of treating experienced teachers like they are dead wood. A bunch of schools in New York decided to hire young, excited, amazing young people from Brown and Wesleyan. And they’re all really, really smart. But it would have been nice to have some teachers who know something.
• Myth Five: Standards and standardization are the same. Standards are not the same as standardization. Small schools, by their nature, are very interested in being held accountable — which is one of the remarkable things about small schools. The parking lots aren’t empty at 2:00 p.m. Teachers hold each other accountable; they hold the students accountable; parents hold the teachers accountable; and everybody holds the parents accountable. Kids hold themselves accountable. Standards are not the same as being the same.
• Myth Six: Professional development has to happen from the outside. Teachers have an incredible amount of knowledge, if given the space to say what 20 years inside dysfunctional institutions has done to them. A relation between inside and outside expertise is fragile — and powerful.
• Myth Seven: Tokenism will solve the problem. Two more black faces in an AP class just doesn’t do it for me. You can’t just play with the top and color-coat. You’ve got to take on the whole thing. Whole-school reform is the point.
• Myth Eight: One of my worst nightmares is when people turn small schools into tracks. There was a school somewhere in America, where administrators decided that they’d have five small schools inside one previous big-school building. So one school was going to be the Special Ed school; one was going to be the Chapter One school; one was going to be the pregnant and parenting school; and one was going to be the language school, for the Latino kids. And then, one school was going to be the humanities school, to attract the middle-class white kids back to the school. That’s not what anybody ever meant by small schools. That is a fundamental distortion. Small schools are heterogeneous, and commit to figuring out how to bring the genius out in everyone.
• Myth Nine: The illusion that accountability means rules and surveillance of teachers and students. That is not accountability, that is oppression. Accountability comes from relationships and responsibility. That’s what small schools produce. You can’t hide. It’s a group of committed folks.

Accountability requires autonomy. A big mistake is not giving small schools the autonomy that they need to do the work that they need to do. Small school teachers, and parents, and community members are willing to be held accountable. But the only way they can be held accountable is if you give them the autonomy to develop the curriculum, to organize their time, to figure out their assessment system and the ways that they would measure student progress. We could always close down small schools if they don’t work. However, we don’t close down big high schools when they don’t work. Close small schools down if they don’t work, but first, give them time. Let them grow. Don’t make autonomy a gift that some schools can earn. That’s a setup. Make autonomy a beginning condition. Then put people under the light of surveillance if they screw it up. What we do now is put everybody under the light of surveillance, and it chokes them.

What’s Needed Now?

First, I’m very taken by this “metropolitanization” analysis. It’s a good idea, and very useful to document the space of injustice between what’s happening in urban areas and what’s happening just on the other side of the border. In education, we could easily do that. We could track who’s in Special Ed; who’s getting college-eligible courses; who’s in AP classes; what are the post-graduate outcomes; how much teachers get paid; what are the drop-out rates across our cities; and where are the certified teachers. And we could document pretty easily the redlining of public education.

Second, we need a theory of change. I don’t think it’s hard to imagine where we need to go. That’s not the mystery. How to get there is not so clear; and how to get there systemically is less clear. I’m tired of hearing small schools is not a systemic strategy. It could be a systemic strategy if districts figured out how to learn from small schools rather than crush them. So we need a joint strategy of internal-to-districts work, and external advocacy. There are teachers who are quitting because they won’t teach English only. There are teachers who are refusing to place kids in a bottom track. There are parents who are creating freedom schools in the South, and some of that is getting called home schooling. And not all of those people are our enemies. They are asking for inside help and external push. We need the combination of pilots and protests. We need the melding of internal reform and sit-ins. We need to be working both sides. This is what I mean by the politics of urgency.

Third, we need to offer support for teachers and parents and places not yet engaged in reform. Too many of our friends are teaching and working and committed to schools that haven’t yet done the work. What we can’t do is only go to the places where there’s sufficient energy for change or we will lose some of our most dedicated buddies and friends. I know many of us have committed to staying in places that are not “there” yet, and you’re doing God’s work. Thank you all.

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