Time Out

The Patriots earned their money when settling the Super Bowl challenge thanks to Adam Vinatieri’s kick through the goal posts. Just before that kick, the Carolina Panthers called time-out to unnerve Vinatieri and Kinchen, the stand in center. On Thursday, January 29, 2004, Greenspan and company suggested they might kick up short-term interest rates. Hinting a time out for interest rates unnerved investors.

Interest rate moves have subtle effects on income for many. Our family benefits from the presence of our children’s great grandmother, who begins her 91st year, likes football (“Oh, that poor Drew Bledsoe.”), but dislikes current interest rates. Clearly, her perspective includes long-term opinions on history, mores, and the economy. That “Jimmy Carter was the best President. CD’s (cerfificates of deposit) were 14% and 16% back then. Now they’re 1% and 2%…”, and then a few words about those Republicans. I try explaining the inflation quotient, but Nana just shakes her head and walks away. I just wanted to say, “Like it or not, low interest rates benefit an economy; high interest rates undermine economic growth”.

Since 1790, the long-term (30 year interest rate) has averaged about 5% with eight years when it exceeded 11% (a number of those years when Jimmy Carter served as President; please don’t tell Nana.). The current Fed Funds rate sits at 1%, a forty year low. Now, the Federal Reserve Bank (Fed.) quietly implies that interest rates may creep up.

“I guess I should warn you, if I turn out to be particularly clear, you’ve probably misunderstood what I’ve said” – Alan Greenspan (Speech to the Economic Club of New York, 1988)

This news pounded Wall Street stock and bond traders harder than the Patriot’s defensive line. Each index declined more than 1.3% , the 10-year Treasury note shot up sharply to 4.20%, and the dollar moved up against the Euro. What made this news unsettling? Back in August (2003), the Federal Open Market Committee (FOMC) said, “The committee believes that policy accommodation can be maintained for a considerable period”. Six months later, the FOMC chooses to be “patient” about interest rate moves.

Most economists believe the Fed will not adjust rates upward until 2005 (of course most sports analysts did not believe the Partriots would win the Super Bowl).

These factors seem to effect future Fed action:

Employment data showing strong job growth

Job Growth means an improving economy

Improving economy means inflationary pressures

Inflation prompts Fed action

Stock Market “exuberance” provokes Fed action

Mortgage rates and Treasury rates may linger around current rates due to this Fed hike suggestion

What does it mean? Well, it’s like watching Adam Vinatieri preparing a field goal kick with a tie game and 9 seconds left on the clock. NO, it’s not that tense! Interest rate moves acknowledge the Feds role when managing the economy, and consensus views acknowledge that current rates have found their forty year lows. Essentially, exuberance within the housing markets and the equity markets will find “patience” more healthy than “irrational exuberance” as the Fed warns.

“The Fact that our economical models at The Fed, the best in the world, have been wrong for fourteen straight quarters, does not mean they will not be right in the fifteenth quarter” – Alan Greenspan

Stay tuned, and be patient. A “time out” serves good economic purpose.

About Cheap Fashion Jewelry

There is a lot of competition in the fashion industry. Almost every day, jewelry manufacturing companies, release new designs into the market. One major thing that scares people aware form buying jewelry, are their high prices. Most of them are even more expensive than the entire dress you put on. This could as well, explain why a lot of people don’t put on jewelry as much as they want to. Another reason might be the quality of the jewelry. Most jewelry sellers, go ahead to sell fake products to potential buyers. They also use fake materials that may not be the right one that buyers want. Upon this, they will still go ahead to hike the price of their products.

Selling at higher prices does not really scare most people from buying what they like. But the fact is that nobody likes throwing their hard-earned money away. Since they can get that same product elsewhere at a cheaper price, they might be interested to go there. The big question is, how can one get cheap fashion jewelry? Apart from moving from one jewelry store to another, you can sit down in the comfort of your home and yet get what you want. There are numerous online companies that are into jewelry selling. They also sell on wholesale and retail basis. This is another business opportunity for those who are interested to buy cheap jewelry, and make more profit selling it to other people. Yes! I said more profit. The reason is because some people may not be willing to start making research, so when they see you with a jewelry they actually like, of course they might show interest in acquiring it from you.

With the numerous companies that sells fashion jewelries online, one should be very careful when making choices. The reputation of the company has to be put into perspective before initiating a deal. You can get well designed jewelry at a cheaper price. Jewelry that are designed with beautiful gemstones, and also looks very attractive and shiny are available. When we go to shops stores to buy jewelry for ourselves, apart from weighing the price against our budget we also consider whether it will match our dressing. One thing people face is the choice of clothes as well as jewelry, especially when they prepare for any special occasion. By locating a reputable online jewelry store, getting what you want will be easier. The numerous collections available on the site will give you the opportunity to make the right selection. You can get beautiful bangles, bracelets, armlet, earrings, rings, and lots more, at a reasonable price.

The most important thing to do, for anyone who wants to buy cheap fashion jewelry is to make proper research. Once you have located your preferred jewelry company online, go through their list, to see the various collections for yourself. There are also different prices that comes with these items. It gives you the opportunity to plan your budget, especially when you have upcoming events like weddings, birthday parties, or any special celebration.

How to Become a Successful Fashion Blogger

Blogs have been around for years and you see some succeed with millions of followers and then you see those that fail. You may have a real passion for the fashion industry and believe you have information that is worth sharing on your own personal views and trends, but you also need to ensure that you choose a way to relate to your audience, make them want to subscribe to your blog and keep coming back to learn more.

The first trick when first starting out as a fashion blogger and starting your own blog is to identify how you can be different. Let’s be honest, there is no shortage of great fashion and beauty blogs out there, so you need to come up with a way to make you different and unique. Chances are that the people reading the other blogs will have a look at yours, they are just as passionate about fashion as you are, so you need to think outside the box to come up with a way that makes you stand out, setting you apart from all the other fashion bloggers from around the world.

The best way to achieve this is to know your audience. If you need to, hire an internet marketing company to conduct a thorough customer analysis for you. This will help you identify the demographic and age group you are going to be writing for, this can help you come up with unique ways to interact with your potential readers, drawing them into your blog and giving them the information, advice and recommendations that they will be looking for.

Next you will want to build your brand on Instagram. Instagram can be one of the most useful tools you can have when it comes to building your blog and getting your audience to know about it. When using Instagram ensure you upload pictures that will grasp attention and they should always be of the highest quality. You want people to see your photographs and click on the link back to your blog to find out more.

Only ever write high quality content. Remember content is king when you are a fashion blogger and you will need to ensure that you provide your audience with blogs that are worth reading and will enable them to leave your page having learned something new and interesting. Ensure you keep your paragraphs short and your writing personal, so readers can relate to what you are saying and the message you want to share at all times.

Ensure any blog you write is informative and contains useful content. There is no point writing a blog that you can find on every other fashion blog on the internet, this is not going to help you grow your brand and have thousands or millions of followers moving forward. Think of your audience and what they want to know about certain clothing items and accessories and then provide them with the valuable information they need when they are trying to come up with an outfit for a function or they’re going to the shop to purchase their winter wardrobe. You want to provide them with advice that they can trust.

As a fashion blogger you need to allow your personality to shine through in your writing. If you are in the habit of writing to the point without letting any personality or fun through in your writing, then your blog is going to be boring and you won’t gain readers. Make it fun, use high quality images and ensure you share information that your audience is going to find valuable now and moving forward.

Natascha Cox is a fashion, make up and travel blogger based in the United Kingdom. This well-established blogger shares research and advice on the latest products along with detailed reviews that her readers can rely on and trust daily. This blogger focuses on trends in and around London with what’s trending, what’s hot along with top beauty tips, style tips and more. Natascha Cox also gives her readers a chance to purchase the items they read about through her shop, which offers a direct link to fashion online stores. Readers can buy coats and jackets, accessories, hair and beauty products, bags and dresses via this informative and interesting blog